Home > First Command Bank > Performance and Condition Ratios
First Command Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5770% | 4,404 |
| Cost of funding earning assets | 0.2744% | 4,360 |
| Net interest margin | 3.3026% | 2,507 |
| Noninterest income to average assets | 3.1100% | 187 |
| Noninterest expense to average assets | 3.9520% | 388 |
| Loan and lease loss provision to assets | 0.2000% | 679 |
| Net operating income to assets | 2.1877% | 298 |
| Return on assets (ROA) | 2.1877% | 302 |
| Pretax return on assets | 2.1877% | 442 |
| Return on Equity (ROE) | 25.3200% | 181 |
| Retained earnings to average equity (ytd only) | 4.1490% | 2,566 |
| Net charge-offs to loans | 0.3261% | 448 |
| Credit loss provision to net charge-offs | 146.0758% | 1,438 |
| Earnings coverage of net charge-offs (x) | 17.6495% | 1,922 |
| Efficiency ratio | 62.3557% | 2,903 |
| Assets per employee ($millions) | 10.3390% | 698 |
| Cash dividends to net income (ytd only)* | 83.6120% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 3,501 |
| Loan loss allowance to noncurrent loans | 2,280.4124% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 3,596 |
| Noncurrent loans to loans | 0.0412% | 3,453 |
| Net loans and leases to total assets | 43.7500% | 3,897 |
| Net loans and leases to deposits | 48.3121% | 3,965 |
| Net loans and leases to core deposits | 48.3950% | 4,051 |
| Total domestic deposits to total assets | 90.5500% | 651 |
| Equity capital to assets | 8.5495% | 3,157 |
| Core capital (leverage) ratio | 8.9188% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7785% | 1,104 |
| Memoranda: | ||
| Average total assets | $1,093,368,000 | 945 |
| Average earning assets | $1,070,260,000 | 892 |
| Average equity | $94,479,800 | 1,066 |
| Average total loans | $453,285,600 | 1,397 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5176% | 4,441 |
| Cost of funding earning assets | 0.2751% | 4,400 |
| Net interest margin | 3.2426% | 2,587 |
| Noninterest income to average assets | 3.0300% | 184 |
| Noninterest expense to average assets | 3.9058% | 392 |
| Loan and lease loss provision to assets | 0.2300% | 492 |
| Net operating income to assets | 2.0678% | 387 |
| Return on assets (ROA) | 2.0678% | 390 |
| Pretax return on assets | 2.0678% | 577 |
| Return on Equity (ROE) | 23.8700% | 232 |
| Retained earnings to average equity (ytd only) | 23.8680% | 57 |
| Net charge-offs to loans | 0.3213% | 403 |
| Credit loss provision to net charge-offs | 174.4917% | 1,179 |
| Earnings coverage of net charge-offs (x) | 17.5277% | 1,835 |
| Efficiency ratio | 62.9612% | 2,819 |
| Assets per employee ($millions) | 11.4579% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 3,353 |
| Loan loss allowance to noncurrent loans | 1,672.4265% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 3,609 |
| Noncurrent loans to loans | 0.0584% | 3,412 |
| Net loans and leases to total assets | 37.2600% | 4,109 |
| Net loans and leases to deposits | 49.9431% | 3,959 |
| Net loans and leases to core deposits | 50.0320% | 4,044 |
| Total domestic deposits to total assets | 74.6000% | 4,025 |
| Equity capital to assets | 8.4248% | 3,448 |
| Core capital (leverage) ratio | 10.3381% | 2,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1233% | 777 |
| Memoranda: | ||
| Average total assets | $1,100,481,750 | 928 |
| Average earning assets | $1,076,491,750 | 882 |
| Average equity | $95,338,500 | 1,052 |
| Average total loans | $449,030,750 | 1,403 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6343% | 4,425 |
| Cost of funding earning assets | 0.2836% | 4,408 |
| Net interest margin | 3.3507% | 2,295 |
| Noninterest income to average assets | 3.0700% | 183 |
| Noninterest expense to average assets | 4.0100% | 369 |
| Loan and lease loss provision to assets | 0.1700% | 664 |
| Net operating income to assets | 2.1696% | 353 |
| Return on assets (ROA) | 2.1696% | 349 |
| Pretax return on assets | 2.1696% | 506 |
| Return on Equity (ROE) | 24.7800% | 229 |
| Retained earnings to average equity (ytd only) | 24.7772% | 66 |
| Net charge-offs to loans | 0.2719% | 404 |
| Credit loss provision to net charge-offs | 136.3184% | 1,271 |
| Earnings coverage of net charge-offs (x) | 20.4809% | 1,624 |
| Efficiency ratio | 63.1332% | 2,873 |
| Assets per employee ($millions) | 9.5707% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 3,770 |
| Loan loss allowance to noncurrent loans | 1,343.3898% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,525 |
| Noncurrent loans to loans | 0.0651% | 3,343 |
| Net loans and leases to total assets | 43.0800% | 3,941 |
| Net loans and leases to deposits | 48.1197% | 4,013 |
| Net loans and leases to core deposits | 48.2030% | 4,092 |
| Total domestic deposits to total assets | 89.5300% | 835 |
| Equity capital to assets | 9.4065% | 2,452 |
| Core capital (leverage) ratio | 9.6725% | 3,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1524% | 897 |
| Memoranda: | ||
| Average total assets | $1,054,825,667 | 959 |
| Average earning assets | $1,032,503,000 | 913 |
| Average equity | $92,367,000 | 1,070 |
| Average total loans | $443,517,333 | 1,420 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5612% | 4,455 |
| Cost of funding earning assets | 0.2869% | 4,429 |
| Net interest margin | 3.2743% | 2,393 |
| Noninterest income to average assets | 3.0400% | 172 |
| Noninterest expense to average assets | 3.8426% | 405 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 2.2040% | 346 |
| Return on assets (ROA) | 2.2040% | 348 |
| Pretax return on assets | 2.2040% | 475 |
| Return on Equity (ROE) | 26.1200% | 207 |
| Retained earnings to average equity (ytd only) | 26.1227% | 85 |
| Net charge-offs to loans | 0.3119% | 288 |
| Credit loss provision to net charge-offs | 149.7076% | 943 |
| Earnings coverage of net charge-offs (x) | 18.6842% | 1,382 |
| Efficiency ratio | 61.4573% | 3,091 |
| Assets per employee ($millions) | 10.6862% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 3,768 |
| Loan loss allowance to noncurrent loans | 1,966.3317% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 3,633 |
| Noncurrent loans to loans | 0.0446% | 3,443 |
| Net loans and leases to total assets | 41.3500% | 3,985 |
| Net loans and leases to deposits | 45.6641% | 4,046 |
| Net loans and leases to core deposits | 45.7398% | 4,163 |
| Total domestic deposits to total assets | 90.5500% | 629 |
| Equity capital to assets | 8.6512% | 2,922 |
| Core capital (leverage) ratio | 9.1192% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2680% | 1,038 |
| Memoranda: | ||
| Average total assets | $1,060,633,500 | 962 |
| Average earning assets | $1,040,209,000 | 908 |
| Average equity | $89,485,500 | 1,096 |
| Average total loans | $438,587,500 | 1,432 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3694% | 4,440 |
| Cost of funding earning assets | 0.2654% | 4,400 |
| Net interest margin | 3.1040% | 3,090 |
| Noninterest income to average assets | 2.6800% | 202 |
| Noninterest expense to average assets | 3.3897% | 664 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 2.1254% | 381 |
| Return on assets (ROA) | 2.1254% | 374 |
| Pretax return on assets | 2.1254% | 545 |
| Return on Equity (ROE) | 25.6800% | 289 |
| Retained earnings to average equity (ytd only) | 4.0429% | 2,946 |
| Net charge-offs to loans | 0.3228% | 338 |
| Credit loss provision to net charge-offs | 166.1470% | 1,376 |
| Earnings coverage of net charge-offs (x) | 18.8426% | 1,920 |
| Efficiency ratio | 59.2541% | 3,160 |
| Assets per employee ($millions) | 11.3185% | 491 |
| Cash dividends to net income (ytd only)* | 84.2587% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 3,799 |
| Loan loss allowance to noncurrent loans | 1,618.4549% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 3,575 |
| Noncurrent loans to loans | 0.0540% | 3,333 |
| Net loans and leases to total assets | 40.6300% | 4,018 |
| Net loans and leases to deposits | 44.6077% | 4,086 |
| Net loans and leases to core deposits | 44.6682% | 4,186 |
| Total domestic deposits to total assets | 91.0700% | 487 |
| Equity capital to assets | 8.2198% | 3,265 |
| Core capital (leverage) ratio | 8.4772% | 4,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4316% | 1,194 |
| Memoranda: | ||
| Average total assets | $1,088,872,000 | 914 |
| Average earning assets | $1,068,259,600 | 871 |
| Average equity | $90,108,800 | 1,030 |
| Average total loans | $417,330,200 | 1,430 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3184% | 4,449 |
| Cost of funding earning assets | 0.2620% | 4,393 |
| Net interest margin | 3.0564% | 3,221 |
| Noninterest income to average assets | 2.6200% | 225 |
| Noninterest expense to average assets | 3.3605% | 662 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 2.0911% | 440 |
| Return on assets (ROA) | 2.0911% | 435 |
| Pretax return on assets | 2.0911% | 666 |
| Return on Equity (ROE) | 25.2300% | 381 |
| Retained earnings to average equity (ytd only) | 25.2287% | 137 |
| Net charge-offs to loans | 0.3025% | 292 |
| Credit loss provision to net charge-offs | 150.0532% | 1,320 |
| Earnings coverage of net charge-offs (x) | 19.8392% | 1,823 |
| Efficiency ratio | 59.7663% | 2,995 |
| Assets per employee ($millions) | 11.9882% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7797% | 4,021 |
| Loan loss allowance to noncurrent loans | 1,633.6585% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 3,651 |
| Noncurrent loans to loans | 0.0477% | 3,414 |
| Net loans and leases to total assets | 37.4200% | 4,137 |
| Net loans and leases to deposits | 44.8233% | 4,082 |
| Net loans and leases to core deposits | 44.8724% | 4,154 |
| Total domestic deposits to total assets | 83.4900% | 2,909 |
| Equity capital to assets | 8.7493% | 2,573 |
| Core capital (leverage) ratio | 9.7055% | 3,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7420% | 854 |
| Memoranda: | ||
| Average total assets | $1,097,934,750 | 918 |
| Average earning assets | $1,077,203,000 | 866 |
| Average equity | $91,005,250 | 1,018 |
| Average total loans | $413,811,000 | 1,435 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3314% | 4,446 |
| Cost of funding earning assets | 0.2591% | 4,370 |
| Net interest margin | 3.0723% | 3,279 |
| Noninterest income to average assets | 2.6100% | 196 |
| Noninterest expense to average assets | 3.3366% | 662 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 2.1575% | 376 |
| Return on assets (ROA) | 2.1575% | 369 |
| Pretax return on assets | 2.1575% | 569 |
| Return on Equity (ROE) | 26.5500% | 305 |
| Retained earnings to average equity (ytd only) | 26.5462% | 100 |
| Net charge-offs to loans | 0.2521% | 330 |
| Credit loss provision to net charge-offs | 142.9126% | 1,224 |
| Earnings coverage of net charge-offs (x) | 24.1417% | 1,659 |
| Efficiency ratio | 59.2654% | 3,048 |
| Assets per employee ($millions) | 11.2503% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7406% | 4,119 |
| Loan loss allowance to noncurrent loans | 2,649.5726% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 3,739 |
| Noncurrent loans to loans | 0.0280% | 3,558 |
| Net loans and leases to total assets | 38.8800% | 4,078 |
| Net loans and leases to deposits | 42.9884% | 4,134 |
| Net loans and leases to core deposits | 43.0122% | 4,195 |
| Total domestic deposits to total assets | 90.4300% | 809 |
| Equity capital to assets | 8.8067% | 2,657 |
| Core capital (leverage) ratio | 9.1011% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0206% | 955 |
| Memoranda: | ||
| Average total assets | $1,084,286,000 | 913 |
| Average earning assets | $1,064,467,333 | 863 |
| Average equity | $88,125,667 | 1,039 |
| Average total loans | $408,567,000 | 1,438 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2722% | 4,454 |
| Cost of funding earning assets | 0.2571% | 4,284 |
| Net interest margin | 3.0151% | 3,561 |
| Noninterest income to average assets | 2.5600% | 186 |
| Noninterest expense to average assets | 3.3164% | 681 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 2.0607% | 451 |
| Return on assets (ROA) | 2.0607% | 447 |
| Pretax return on assets | 2.0607% | 698 |
| Return on Equity (ROE) | 26.4400% | 342 |
| Retained earnings to average equity (ytd only) | 26.4360% | 152 |
| Net charge-offs to loans | 0.2597% | 295 |
| Credit loss provision to net charge-offs | 153.0534% | 942 |
| Earnings coverage of net charge-offs (x) | 23.0038% | 1,412 |
| Efficiency ratio | 60.0358% | 2,957 |
| Assets per employee ($millions) | 11.6097% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7410% | 4,190 |
| Loan loss allowance to noncurrent loans | 2,252.2388% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 3,738 |
| Noncurrent loans to loans | 0.0329% | 3,518 |
| Net loans and leases to total assets | 37.0400% | 4,152 |
| Net loans and leases to deposits | 40.5986% | 4,206 |
| Net loans and leases to core deposits | 40.6209% | 4,256 |
| Total domestic deposits to total assets | 91.2400% | 722 |
| Equity capital to assets | 8.0684% | 3,194 |
| Core capital (leverage) ratio | 8.3979% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1777% | 1,132 |
| Memoranda: | ||
| Average total assets | $1,092,038,500 | 929 |
| Average earning assets | $1,072,069,500 | 878 |
| Average equity | $85,126,500 | 1,080 |
| Average total loans | $403,549,000 | 1,466 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6204% | 4,451 |
| Cost of funding earning assets | 0.1095% | 4,347 |
| Net interest margin | 2.5109% | 4,280 |
| Noninterest income to average assets | 2.5300% | 201 |
| Noninterest expense to average assets | 3.2039% | 719 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.7017% | 538 |
| Return on assets (ROA) | 1.6433% | 584 |
| Pretax return on assets | 1.6433% | 1,052 |
| Return on Equity (ROE) | 21.8800% | 343 |
| Retained earnings to average equity (ytd only) | 6.4852% | 2,457 |
| Net charge-offs to loans | 0.1548% | 535 |
| Credit loss provision to net charge-offs | 160.6419% | 1,259 |
| Earnings coverage of net charge-offs (x) | 33.4291% | 1,623 |
| Efficiency ratio | 64.1868% | 2,469 |
| Assets per employee ($millions) | 12.0084% | 387 |
| Cash dividends to net income (ytd only)* | 70.3606% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7200% | 4,180 |
| Loan loss allowance to noncurrent loans | 2,164.6617% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 3,763 |
| Noncurrent loans to loans | 0.0333% | 3,540 |
| Net loans and leases to total assets | 36.3300% | 4,201 |
| Net loans and leases to deposits | 39.5590% | 4,257 |
| Net loans and leases to core deposits | 39.6789% | 4,284 |
| Total domestic deposits to total assets | 91.8300% | 682 |
| Equity capital to assets | 7.5223% | 3,373 |
| Core capital (leverage) ratio | 7.8350% | 4,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2141% | 1,311 |
| Memoranda: | ||
| Average total assets | $1,107,052,200 | 894 |
| Average earning assets | $1,085,817,400 | 861 |
| Average equity | $83,143,200 | 1,097 |
| Average total loans | $382,409,200 | 1,446 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4366% | 4,483 |
| Cost of funding earning assets | 0.0553% | 4,552 |
| Net interest margin | 2.3813% | 4,346 |
| Noninterest income to average assets | 2.5300% | 209 |
| Noninterest expense to average assets | 3.1820% | 702 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.6107% | 644 |
| Return on assets (ROA) | 1.5278% | 767 |
| Pretax return on assets | 1.5278% | 1,335 |
| Return on Equity (ROE) | 20.3500% | 404 |
| Retained earnings to average equity (ytd only) | 20.3500% | 96 |
| Net charge-offs to loans | 0.1153% | 541 |
| Credit loss provision to net charge-offs | 176.1468% | 1,045 |
| Earnings coverage of net charge-offs (x) | 42.7920% | 1,359 |
| Efficiency ratio | 65.4485% | 2,349 |
| Assets per employee ($millions) | 12.2804% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7107% | 4,233 |
| Loan loss allowance to noncurrent loans | 3,042.8571% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 3,922 |
| Noncurrent loans to loans | 0.0234% | 3,736 |
| Net loans and leases to total assets | 33.1600% | 4,336 |
| Net loans and leases to deposits | 39.3070% | 4,259 |
| Net loans and leases to core deposits | 39.4282% | 4,293 |
| Total domestic deposits to total assets | 84.3600% | 3,412 |
| Equity capital to assets | 7.6771% | 3,104 |
| Core capital (leverage) ratio | 8.5170% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7342% | 1,042 |
| Memoranda: | ||
| Average total assets | $1,110,624,500 | 901 |
| Average earning assets | $1,089,231,250 | 864 |
| Average equity | $83,378,750 | 1,104 |
| Average total loans | $378,052,000 | 1,454 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2928% | 4,527 |
| Cost of funding earning assets | 0.0323% | 4,684 |
| Net interest margin | 2.2605% | 4,372 |
| Noninterest income to average assets | 2.6041% | 175 |
| Noninterest expense to average assets | 3.2470% | 586 |
| Loan and lease loss provision to assets | 0.0669% | 1,417 |
| Net operating income to assets | 1.5078% | 695 |
| Return on assets (ROA) | 1.4230% | 836 |
| Pretax return on assets | 1.4230% | 1,377 |
| Return on Equity (ROE) | 19.1079% | 377 |
| Retained earnings to average equity (ytd only) | 19.1079% | 93 |
| Net charge-offs to loans | 0.1144% | 532 |
| Credit loss provision to net charge-offs | 170.5607% | 1,043 |
| Earnings coverage of net charge-offs (x) | 40.1729% | 1,254 |
| Efficiency ratio | 67.3428% | 2,333 |
| Assets per employee ($millions) | 11.8148% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 4,319 |
| Loan loss allowance to noncurrent loans | 3,179.7619% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 3,960 |
| Noncurrent loans to loans | 0.0222% | 3,795 |
| Net loans and leases to total assets | 34.5216% | 4,306 |
| Net loans and leases to deposits | 37.7358% | 4,346 |
| Net loans and leases to core deposits | 37.8692% | 4,387 |
| Total domestic deposits to total assets | 91.4822% | 1,034 |
| Equity capital to assets | 7.8102% | 3,256 |
| Core capital (leverage) ratio | 8.0478% | 4,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2424% | 1,135 |
| Memoranda: | ||
| Average total assets | $1,091,953,333 | 910 |
| Average earning assets | $1,071,192,333 | 876 |
| Average equity | $81,317,000 | 1,145 |
| Average total loans | $374,198,667 | 1,457 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1128% | 4,575 |
| Cost of funding earning assets | 0.0328% | 4,698 |
| Net interest margin | 2.0800% | 4,462 |
| Noninterest income to average assets | 2.5251% | 183 |
| Noninterest expense to average assets | 3.1292% | 665 |
| Loan and lease loss provision to assets | 0.0618% | 1,305 |
| Net operating income to assets | 1.3735% | 848 |
| Return on assets (ROA) | 1.2737% | 1,057 |
| Pretax return on assets | 1.2737% | 1,586 |
| Return on Equity (ROE) | 17.5283% | 370 |
| Retained earnings to average equity (ytd only) | 17.5283% | 153 |
| Net charge-offs to loans | 0.0602% | 710 |
| Credit loss provision to net charge-offs | 301.7857% | 661 |
| Earnings coverage of net charge-offs (x) | 70.1250% | 792 |
| Efficiency ratio | 68.5563% | 2,438 |
| Assets per employee ($millions) | 12.0226% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7056% | 4,376 |
| Loan loss allowance to noncurrent loans | 1,636.0248% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 3,914 |
| Noncurrent loans to loans | 0.0431% | 3,672 |
| Net loans and leases to total assets | 33.5107% | 4,320 |
| Net loans and leases to deposits | 36.4093% | 4,371 |
| Net loans and leases to core deposits | 36.5390% | 4,413 |
| Total domestic deposits to total assets | 92.0389% | 562 |
| Equity capital to assets | 7.3113% | 4,042 |
| Core capital (leverage) ratio | 7.6374% | 4,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6944% | 1,342 |
| Memoranda: | ||
| Average total assets | $1,094,448,000 | 912 |
| Average earning assets | $1,073,101,000 | 877 |
| Average equity | $79,528,500 | 1,206 |
| Average total loans | $372,344,000 | 1,454 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3442% | 4,565 |
| Cost of funding earning assets | 0.0455% | 4,704 |
| Net interest margin | 2.2987% | 4,411 |
| Noninterest income to average assets | 2.5070% | 233 |
| Noninterest expense to average assets | 3.0668% | 894 |
| Loan and lease loss provision to assets | -0.0216% | 4,234 |
| Net operating income to assets | 1.7129% | 616 |
| Return on assets (ROA) | 1.6962% | 660 |
| Pretax return on assets | 1.6962% | 1,156 |
| Return on Equity (ROE) | 24.0094% | 142 |
| Retained earnings to average equity (ytd only) | 17.8623% | 94 |
| Net charge-offs to loans | 0.1371% | 679 |
| Credit loss provision to net charge-offs | -43.9216% | 3,243 |
| Earnings coverage of net charge-offs (x) | 34.3627% | 1,515 |
| Efficiency ratio | 64.4545% | 2,487 |
| Assets per employee ($millions) | 11.5193% | 448 |
| Cash dividends to net income (ytd only)* | 25.6031% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6788% | 4,459 |
| Loan loss allowance to noncurrent loans | 2,083.4711% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 4,037 |
| Noncurrent loans to loans | 0.0326% | 3,840 |
| Net loans and leases to total assets | 34.0665% | 4,371 |
| Net loans and leases to deposits | 36.9637% | 4,449 |
| Net loans and leases to core deposits | 37.0037% | 4,493 |
| Total domestic deposits to total assets | 92.1619% | 144 |
| Equity capital to assets | 7.2208% | 4,672 |
| Core capital (leverage) ratio | 7.5854% | 4,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6182% | 2,009 |
| Memoranda: | ||
| Average total assets | $1,036,201,200 | 935 |
| Average earning assets | $1,014,705,400 | 895 |
| Average equity | $73,204,600 | 1,301 |
| Average total loans | $371,939,600 | 1,453 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4060% | 4,627 |
| Cost of funding earning assets | 0.0489% | 4,779 |
| Net interest margin | 2.3571% | 4,440 |
| Noninterest income to average assets | 2.4909% | 246 |
| Noninterest expense to average assets | 3.0495% | 894 |
| Loan and lease loss provision to assets | -0.0323% | 4,402 |
| Net operating income to assets | 1.7813% | 691 |
| Return on assets (ROA) | 1.7661% | 754 |
| Pretax return on assets | 1.7661% | 1,245 |
| Return on Equity (ROE) | 25.1453% | 172 |
| Retained earnings to average equity (ytd only) | 25.1453% | 52 |
| Net charge-offs to loans | 0.1380% | 591 |
| Credit loss provision to net charge-offs | -64.4156% | 3,173 |
| Earnings coverage of net charge-offs (x) | 34.9091% | 1,448 |
| Efficiency ratio | 63.5506% | 2,461 |
| Assets per employee ($millions) | 12.6392% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6971% | 4,510 |
| Loan loss allowance to noncurrent loans | 2,497.1429% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 4,173 |
| Noncurrent loans to loans | 0.0279% | 3,997 |
| Net loans and leases to total assets | 33.5823% | 4,484 |
| Net loans and leases to deposits | 38.3212% | 4,511 |
| Net loans and leases to core deposits | 38.3733% | 4,564 |
| Total domestic deposits to total assets | 87.6338% | 2,043 |
| Equity capital to assets | 7.1039% | 4,793 |
| Core capital (leverage) ratio | 7.8328% | 4,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6586% | 2,104 |
| Memoranda: | ||
| Average total assets | $1,024,547,000 | 955 |
| Average earning assets | $1,003,024,000 | 907 |
| Average equity | $71,958,750 | 1,336 |
| Average total loans | $372,074,750 | 1,478 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5295% | 4,596 |
| Cost of funding earning assets | 0.0550% | 4,802 |
| Net interest margin | 2.4744% | 4,338 |
| Noninterest income to average assets | 2.4513% | 255 |
| Noninterest expense to average assets | 2.9691% | 1,031 |
| Loan and lease loss provision to assets | -0.0772% | 4,575 |
| Net operating income to assets | 1.9811% | 498 |
| Return on assets (ROA) | 1.9632% | 543 |
| Pretax return on assets | 1.9632% | 895 |
| Return on Equity (ROE) | 28.0718% | 125 |
| Retained earnings to average equity (ytd only) | 28.0718% | 50 |
| Net charge-offs to loans | 0.1494% | 549 |
| Credit loss provision to net charge-offs | -138.6282% | 3,120 |
| Earnings coverage of net charge-offs (x) | 34.2058% | 1,245 |
| Efficiency ratio | 60.9294% | 2,883 |
| Assets per employee ($millions) | 11.4639% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7107% | 4,522 |
| Loan loss allowance to noncurrent loans | 4,632.1429% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 4,279 |
| Noncurrent loans to loans | 0.0153% | 4,153 |
| Net loans and leases to total assets | 35.9243% | 4,463 |
| Net loans and leases to deposits | 39.3226% | 4,536 |
| Net loans and leases to core deposits | 39.3684% | 4,593 |
| Total domestic deposits to total assets | 91.3578% | 266 |
| Equity capital to assets | 7.4681% | 4,746 |
| Core capital (leverage) ratio | 7.5526% | 4,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7224% | 2,079 |
| Memoranda: | ||
| Average total assets | $995,312,000 | 970 |
| Average earning assets | $974,124,000 | 928 |
| Average equity | $69,607,333 | 1,362 |
| Average total loans | $370,719,000 | 1,484 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4470% | 4,690 |
| Cost of funding earning assets | 0.0637% | 4,810 |
| Net interest margin | 2.3834% | 4,432 |
| Noninterest income to average assets | 2.5362% | 261 |
| Noninterest expense to average assets | 2.9809% | 1,029 |
| Loan and lease loss provision to assets | -0.1307% | 4,755 |
| Net operating income to assets | 2.0179% | 558 |
| Return on assets (ROA) | 1.9750% | 632 |
| Pretax return on assets | 1.9750% | 985 |
| Return on Equity (ROE) | 29.2534% | 153 |
| Retained earnings to average equity (ytd only) | 29.2534% | 82 |
| Net charge-offs to loans | 0.2409% | 352 |
| Credit loss provision to net charge-offs | -143.5556% | 2,889 |
| Earnings coverage of net charge-offs (x) | 20.7289% | 1,242 |
| Efficiency ratio | 61.2335% | 2,873 |
| Assets per employee ($millions) | 12.0532% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 4,533 |
| Loan loss allowance to noncurrent loans | 1,947.4820% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 4,279 |
| Noncurrent loans to loans | 0.0372% | 4,096 |
| Net loans and leases to total assets | 36.6600% | 4,473 |
| Net loans and leases to deposits | 39.7535% | 4,576 |
| Net loans and leases to core deposits | 39.8326% | 4,627 |
| Total domestic deposits to total assets | 92.2184% | 106 |
| Equity capital to assets | 6.8135% | 4,873 |
| Core capital (leverage) ratio | 7.1336% | 4,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4877% | 2,495 |
| Memoranda: | ||
| Average total assets | $988,555,500 | 963 |
| Average earning assets | $967,207,500 | 919 |
| Average equity | $66,741,000 | 1,400 |
| Average total loans | $373,575,000 | 1,480 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9980% | 4,636 |
| Cost of funding earning assets | 0.1072% | 4,849 |
| Net interest margin | 2.8908% | 4,125 |
| Noninterest income to average assets | 2.3718% | 262 |
| Noninterest expense to average assets | 3.1567% | 1,131 |
| Loan and lease loss provision to assets | 0.1647% | 2,318 |
| Net operating income to assets | 1.8708% | 336 |
| Return on assets (ROA) | 1.8855% | 354 |
| Pretax return on assets | 1.8855% | 569 |
| Return on Equity (ROE) | 26.2045% | 95 |
| Retained earnings to average equity (ytd only) | 11.8616% | 333 |
| Net charge-offs to loans | 0.1802% | 931 |
| Credit loss provision to net charge-offs | 226.4984% | 2,036 |
| Earnings coverage of net charge-offs (x) | 27.9984% | 1,667 |
| Efficiency ratio | 60.7973% | 3,351 |
| Assets per employee ($millions) | 11.4838% | 361 |
| Cash dividends to net income (ytd only)* | 54.7345% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 4,266 |
| Loan loss allowance to noncurrent loans | 1,891.8605% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 4,311 |
| Noncurrent loans to loans | 0.0461% | 4,111 |
| Net loans and leases to total assets | 38.3581% | 4,505 |
| Net loans and leases to deposits | 41.4131% | 4,620 |
| Net loans and leases to core deposits | 41.5844% | 4,661 |
| Total domestic deposits to total assets | 92.6230% | 27 |
| Equity capital to assets | 6.6861% | 4,942 |
| Core capital (leverage) ratio | 6.9691% | 4,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6903% | 2,735 |
| Memoranda: | ||
| Average total assets | $872,086,400 | 990 |
| Average earning assets | $850,823,200 | 951 |
| Average equity | $62,748,800 | 1,399 |
| Average total loans | $351,889,600 | 1,501 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1361% | 4,641 |
| Cost of funding earning assets | 0.1179% | 4,886 |
| Net interest margin | 3.0182% | 3,932 |
| Noninterest income to average assets | 2.3484% | 259 |
| Noninterest expense to average assets | 3.2221% | 1,036 |
| Loan and lease loss provision to assets | 0.1937% | 2,041 |
| Net operating income to assets | 1.8752% | 388 |
| Return on assets (ROA) | 1.8980% | 409 |
| Pretax return on assets | 1.8980% | 633 |
| Return on Equity (ROE) | 25.8586% | 103 |
| Retained earnings to average equity (ytd only) | 25.8586% | 45 |
| Net charge-offs to loans | 0.2116% | 723 |
| Credit loss provision to net charge-offs | 224.1818% | 2,022 |
| Earnings coverage of net charge-offs (x) | 23.9509% | 1,776 |
| Efficiency ratio | 60.8982% | 3,238 |
| Assets per employee ($millions) | 10.8530% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 4,236 |
| Loan loss allowance to noncurrent loans | 5,223.3333% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 4,483 |
| Noncurrent loans to loans | 0.0162% | 4,367 |
| Net loans and leases to total assets | 40.3178% | 4,560 |
| Net loans and leases to deposits | 43.9753% | 4,659 |
| Net loans and leases to core deposits | 44.1689% | 4,708 |
| Total domestic deposits to total assets | 91.6828% | 85 |
| Equity capital to assets | 7.5815% | 4,840 |
| Core capital (leverage) ratio | 7.8520% | 4,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0277% | 2,188 |
| Memoranda: | ||
| Average total assets | $848,948,250 | 999 |
| Average earning assets | $827,662,000 | 960 |
| Average equity | $62,311,750 | 1,396 |
| Average total loans | $346,544,250 | 1,511 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2926% | 4,657 |
| Cost of funding earning assets | 0.1331% | 4,920 |
| Net interest margin | 3.1595% | 3,766 |
| Noninterest income to average assets | 2.2462% | 258 |
| Noninterest expense to average assets | 3.2575% | 1,066 |
| Loan and lease loss provision to assets | 0.2507% | 1,676 |
| Net operating income to assets | 1.8166% | 483 |
| Return on assets (ROA) | 1.8516% | 496 |
| Pretax return on assets | 1.8516% | 736 |
| Return on Equity (ROE) | 25.5349% | 107 |
| Retained earnings to average equity (ytd only) | 25.5349% | 45 |
| Net charge-offs to loans | 0.2009% | 763 |
| Credit loss provision to net charge-offs | 305.2941% | 1,604 |
| Earnings coverage of net charge-offs (x) | 25.1735% | 1,560 |
| Efficiency ratio | 61.1766% | 3,253 |
| Assets per employee ($millions) | 10.1601% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 4,102 |
| Loan loss allowance to noncurrent loans | 3,028.8462% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 4,514 |
| Noncurrent loans to loans | 0.0289% | 4,369 |
| Net loans and leases to total assets | 40.3485% | 4,593 |
| Net loans and leases to deposits | 44.1033% | 4,701 |
| Net loans and leases to core deposits | 44.3030% | 4,747 |
| Total domestic deposits to total assets | 91.4863% | 87 |
| Equity capital to assets | 7.3133% | 4,922 |
| Core capital (leverage) ratio | 7.6316% | 4,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2306% | 2,511 |
| Memoranda: | ||
| Average total assets | $828,048,333 | 1,003 |
| Average earning assets | $806,845,333 | 965 |
| Average equity | $60,043,333 | 1,428 |
| Average total loans | $338,495,667 | 1,515 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4978% | 4,632 |
| Cost of funding earning assets | 0.1520% | 4,966 |
| Net interest margin | 3.3458% | 3,463 |
| Noninterest income to average assets | 2.3457% | 217 |
| Noninterest expense to average assets | 3.5195% | 908 |
| Loan and lease loss provision to assets | 0.4019% | 759 |
| Net operating income to assets | 1.6818% | 532 |
| Return on assets (ROA) | 1.7293% | 532 |
| Pretax return on assets | 1.7293% | 818 |
| Return on Equity (ROE) | 23.9613% | 82 |
| Retained earnings to average equity (ytd only) | 23.9613% | 37 |
| Net charge-offs to loans | 0.2025% | 680 |
| Credit loss provision to net charge-offs | 484.3373% | 903 |
| Earnings coverage of net charge-offs (x) | 25.1084% | 1,292 |
| Efficiency ratio | 62.8123% | 3,399 |
| Assets per employee ($millions) | 9.5613% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 3,985 |
| Loan loss allowance to noncurrent loans | 2,223.0216% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 4,553 |
| Noncurrent loans to loans | 0.0421% | 4,384 |
| Net loans and leases to total assets | 40.2855% | 4,655 |
| Net loans and leases to deposits | 43.8029% | 4,765 |
| Net loans and leases to core deposits | 43.9840% | 4,809 |
| Total domestic deposits to total assets | 91.9700% | 41 |
| Equity capital to assets | 7.2952% | 5,050 |
| Core capital (leverage) ratio | 7.6134% | 5,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3222% | 2,564 |
| Memoranda: | ||
| Average total assets | $800,109,500 | 1,005 |
| Average earning assets | $779,013,000 | 960 |
| Average equity | $57,743,000 | 1,460 |
| Average total loans | $327,843,000 | 1,532 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5636% | 4,809 |
| Cost of funding earning assets | 0.1415% | 5,057 |
| Net interest margin | 3.4221% | 3,673 |
| Noninterest income to average assets | 2.3380% | 215 |
| Noninterest expense to average assets | 3.2903% | 1,319 |
| Loan and lease loss provision to assets | 0.1893% | 1,084 |
| Net operating income to assets | 2.1850% | 229 |
| Return on assets (ROA) | 2.1815% | 244 |
| Pretax return on assets | 2.1815% | 397 |
| Return on Equity (ROE) | 28.1394% | 49 |
| Retained earnings to average equity (ytd only) | -1.1945% | 4,824 |
| Net charge-offs to loans | 0.3827% | 511 |
| Credit loss provision to net charge-offs | 124.5220% | 2,046 |
| Earnings coverage of net charge-offs (x) | 15.6218% | 2,218 |
| Efficiency ratio | 58.0860% | 3,950 |
| Assets per employee ($millions) | 9.4880% | 414 |
| Cash dividends to net income (ytd only)* | 104.2451% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7540% | 4,439 |
| Loan loss allowance to noncurrent loans | 1,244.6701% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,529 |
| Noncurrent loans to loans | 0.0606% | 4,298 |
| Net loans and leases to total assets | 40.9823% | 4,702 |
| Net loans and leases to deposits | 44.4893% | 4,819 |
| Net loans and leases to core deposits | 44.6749% | 4,859 |
| Total domestic deposits to total assets | 92.1174% | 32 |
| Equity capital to assets | 7.1361% | 5,131 |
| Core capital (leverage) ratio | 7.2459% | 5,121 |
| Tier 1 risk-based capital ratio | 12.1876% | 4,253 |
| Total risk-based capital ratio | 12.7216% | 4,523 |
| Memoranda: | ||
| Average total assets | $791,531,200 | 981 |
| Average earning assets | $769,437,200 | 940 |
| Average equity | $61,362,400 | 1,364 |
| Average total loans | $314,328,600 | 1,545 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5647% | 4,912 |
| Cost of funding earning assets | 0.1388% | 5,136 |
| Net interest margin | 3.4258% | 3,786 |
| Noninterest income to average assets | 2.3135% | 217 |
| Noninterest expense to average assets | 3.2787% | 1,312 |
| Loan and lease loss provision to assets | 0.1935% | 920 |
| Net operating income to assets | 2.1707% | 284 |
| Return on assets (ROA) | 2.1707% | 297 |
| Pretax return on assets | 2.1707% | 475 |
| Return on Equity (ROE) | 27.4582% | 58 |
| Retained earnings to average equity (ytd only) | 27.4582% | 20 |
| Net charge-offs to loans | 0.3778% | 441 |
| Credit loss provision to net charge-offs | 130.2378% | 1,820 |
| Earnings coverage of net charge-offs (x) | 15.9151% | 2,157 |
| Efficiency ratio | 58.1033% | 3,922 |
| Assets per employee ($millions) | 9.4764% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7504% | 4,544 |
| Loan loss allowance to noncurrent loans | 1,132.7103% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 4,600 |
| Noncurrent loans to loans | 0.0662% | 4,340 |
| Net loans and leases to total assets | 40.7611% | 4,790 |
| Net loans and leases to deposits | 45.1282% | 4,890 |
| Net loans and leases to core deposits | 45.2241% | 4,933 |
| Total domestic deposits to total assets | 90.3228% | 207 |
| Equity capital to assets | 8.8733% | 4,839 |
| Core capital (leverage) ratio | 9.1157% | 4,547 |
| Tier 1 risk-based capital ratio | 15.5406% | 2,626 |
| Total risk-based capital ratio | 16.0818% | 2,862 |
| Memoranda: | ||
| Average total assets | $792,537,750 | 983 |
| Average earning assets | $770,206,250 | 943 |
| Average equity | $62,653,750 | 1,334 |
| Average total loans | $311,613,250 | 1,567 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5243% | 4,989 |
| Cost of funding earning assets | 0.1373% | 5,184 |
| Net interest margin | 3.3870% | 3,933 |
| Noninterest income to average assets | 2.2315% | 226 |
| Noninterest expense to average assets | 3.2386% | 1,428 |
| Loan and lease loss provision to assets | 0.1931% | 906 |
| Net operating income to assets | 2.0908% | 331 |
| Return on assets (ROA) | 2.0908% | 345 |
| Pretax return on assets | 2.0908% | 564 |
| Return on Equity (ROE) | 27.5607% | 60 |
| Retained earnings to average equity (ytd only) | 27.5607% | 17 |
| Net charge-offs to loans | 0.3619% | 461 |
| Credit loss provision to net charge-offs | 137.7020% | 1,588 |
| Earnings coverage of net charge-offs (x) | 16.2890% | 1,937 |
| Efficiency ratio | 58.6444% | 3,912 |
| Assets per employee ($millions) | 9.6215% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7455% | 4,612 |
| Loan loss allowance to noncurrent loans | 1,155.1220% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 4,653 |
| Noncurrent loans to loans | 0.0645% | 4,393 |
| Net loans and leases to total assets | 39.4789% | 4,858 |
| Net loans and leases to deposits | 43.5087% | 4,961 |
| Net loans and leases to core deposits | 43.5839% | 5,004 |
| Total domestic deposits to total assets | 90.7379% | 144 |
| Equity capital to assets | 8.1461% | 5,149 |
| Core capital (leverage) ratio | 8.4169% | 4,996 |
| Tier 1 risk-based capital ratio | 14.4240% | 3,101 |
| Total risk-based capital ratio | 14.9496% | 3,376 |
| Memoranda: | ||
| Average total assets | $794,536,330 | 982 |
| Average earning assets | $772,015,000 | 935 |
| Average equity | $60,274,330 | 1,373 |
| Average total loans | $307,808,670 | 1,583 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4816% | 5,060 |
| Cost of funding earning assets | 0.1366% | 5,228 |
| Net interest margin | 3.3450% | 4,045 |
| Noninterest income to average assets | 2.1728% | 219 |
| Noninterest expense to average assets | 3.2529% | 1,379 |
| Loan and lease loss provision to assets | 0.2090% | 757 |
| Net operating income to assets | 1.9604% | 416 |
| Return on assets (ROA) | 1.9604% | 431 |
| Pretax return on assets | 1.9604% | 687 |
| Return on Equity (ROE) | 26.8397% | 77 |
| Retained earnings to average equity (ytd only) | 26.8397% | 38 |
| Net charge-offs to loans | 0.5164% | 284 |
| Credit loss provision to net charge-offs | 105.8824% | 1,530 |
| Earnings coverage of net charge-offs (x) | 10.9923% | 1,932 |
| Efficiency ratio | 59.9926% | 3,806 |
| Assets per employee ($millions) | 9.1512% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7154% | 4,747 |
| Loan loss allowance to noncurrent loans | 1,095.4774% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 4,727 |
| Noncurrent loans to loans | 0.0653% | 4,469 |
| Net loans and leases to total assets | 37.5694% | 4,967 |
| Net loans and leases to deposits | 41.2369% | 5,059 |
| Net loans and leases to core deposits | 41.3236% | 5,092 |
| Total domestic deposits to total assets | 91.1063% | 154 |
| Equity capital to assets | 7.4700% | 5,272 |
| Core capital (leverage) ratio | 7.8797% | 5,231 |
| Tier 1 risk-based capital ratio | 13.4954% | 3,603 |
| Total risk-based capital ratio | 13.9820% | 3,920 |
| Memoranda: | ||
| Average total assets | $792,511,500 | 982 |
| Average earning assets | $769,869,000 | 936 |
| Average equity | $57,884,500 | 1,404 |
| Average total loans | $302,892,500 | 1,616 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3296% | 5,058 |
| Cost of funding earning assets | 0.2204% | 4,919 |
| Net interest margin | 3.1093% | 4,635 |
| Noninterest income to average assets | 2.1474% | 245 |
| Noninterest expense to average assets | 3.0643% | 1,887 |
| Loan and lease loss provision to assets | 0.0530% | 3,121 |
| Net operating income to assets | 2.0459% | 324 |
| Return on assets (ROA) | 2.0459% | 323 |
| Pretax return on assets | 2.0459% | 504 |
| Return on Equity (ROE) | 27.6478% | 54 |
| Retained earnings to average equity (ytd only) | 4.5037% | 3,049 |
| Net charge-offs to loans | 0.1375% | 1,385 |
| Credit loss provision to net charge-offs | 106.0914% | 2,410 |
| Earnings coverage of net charge-offs (x) | 41.9924% | 1,270 |
| Efficiency ratio | 59.3489% | 3,965 |
| Assets per employee ($millions) | 8.9623% | 474 |
| Cash dividends to net income (ytd only)* | 83.7105% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7165% | 4,765 |
| Loan loss allowance to noncurrent loans | 793.0147% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 4,674 |
| Noncurrent loans to loans | 0.0903% | 4,342 |
| Net loans and leases to total assets | 38.3343% | 5,003 |
| Net loans and leases to deposits | 41.6339% | 5,088 |
| Net loans and leases to core deposits | 41.7231% | 5,129 |
| Total domestic deposits to total assets | 92.0747% | 66 |
| Equity capital to assets | 7.1324% | 5,323 |
| Core capital (leverage) ratio | 7.3068% | 5,338 |
| Tier 1 risk-based capital ratio | 12.4690% | 4,159 |
| Total risk-based capital ratio | 12.9451% | 4,503 |
| Memoranda: | ||
| Average total assets | $788,269,400 | 963 |
| Average earning assets | $764,585,000 | 922 |
| Average equity | $58,330,200 | 1,350 |
| Average total loans | $286,643,600 | 1,656 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2628% | 5,155 |
| Cost of funding earning assets | 0.2274% | 4,904 |
| Net interest margin | 3.0353% | 4,802 |
| Noninterest income to average assets | 2.1350% | 252 |
| Noninterest expense to average assets | 3.0018% | 2,012 |
| Loan and lease loss provision to assets | 0.0533% | 2,911 |
| Net operating income to assets | 2.0247% | 357 |
| Return on assets (ROA) | 2.0247% | 355 |
| Pretax return on assets | 2.0247% | 588 |
| Return on Equity (ROE) | 27.1204% | 56 |
| Retained earnings to average equity (ytd only) | 27.1204% | 16 |
| Net charge-offs to loans | 0.1691% | 979 |
| Credit loss provision to net charge-offs | 88.0223% | 2,440 |
| Earnings coverage of net charge-offs (x) | 34.3151% | 1,485 |
| Efficiency ratio | 59.0921% | 3,953 |
| Assets per employee ($millions) | 9.7575% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7220% | 4,832 |
| Loan loss allowance to noncurrent loans | 489.4614% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 4,702 |
| Noncurrent loans to loans | 0.1475% | 4,228 |
| Net loans and leases to total assets | 35.4861% | 5,159 |
| Net loans and leases to deposits | 41.1872% | 5,181 |
| Net loans and leases to core deposits | 41.2778% | 5,215 |
| Total domestic deposits to total assets | 86.1582% | 2,117 |
| Equity capital to assets | 8.0051% | 5,179 |
| Core capital (leverage) ratio | 8.3796% | 5,153 |
| Tier 1 risk-based capital ratio | 14.8101% | 2,965 |
| Total risk-based capital ratio | 15.2804% | 3,265 |
| Memoranda: | ||
| Average total assets | $790,407,000 | 959 |
| Average earning assets | $766,814,750 | 915 |
| Average equity | $59,009,500 | 1,342 |
| Average total loans | $283,040,250 | 1,675 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2300% | 5,198 |
| Cost of funding earning assets | 0.2203% | 4,919 |
| Net interest margin | 3.0097% | 4,864 |
| Noninterest income to average assets | 2.1273% | 255 |
| Noninterest expense to average assets | 2.9523% | 2,193 |
| Loan and lease loss provision to assets | 0.0416% | 3,070 |
| Net operating income to assets | 2.0535% | 337 |
| Return on assets (ROA) | 2.0535% | 335 |
| Pretax return on assets | 2.0535% | 539 |
| Return on Equity (ROE) | 28.2080% | 47 |
| Retained earnings to average equity (ytd only) | 28.2080% | 12 |
| Net charge-offs to loans | 0.1930% | 811 |
| Credit loss provision to net charge-offs | 60.1476% | 2,425 |
| Earnings coverage of net charge-offs (x) | 30.3026% | 1,496 |
| Efficiency ratio | 58.4917% | 4,157 |
| Assets per employee ($millions) | 9.6794% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7054% | 4,934 |
| Loan loss allowance to noncurrent loans | 504.9875% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 4,781 |
| Noncurrent loans to loans | 0.1397% | 4,273 |
| Net loans and leases to total assets | 35.4789% | 5,198 |
| Net loans and leases to deposits | 40.9204% | 5,222 |
| Net loans and leases to core deposits | 41.0104% | 5,264 |
| Total domestic deposits to total assets | 86.7020% | 1,971 |
| Equity capital to assets | 7.5760% | 5,357 |
| Core capital (leverage) ratio | 7.6858% | 5,418 |
| Tier 1 risk-based capital ratio | 13.4336% | 3,654 |
| Total risk-based capital ratio | 13.8730% | 4,014 |
| Memoranda: | ||
| Average total assets | $783,919,000 | 968 |
| Average earning assets | $760,613,000 | 925 |
| Average equity | $57,069,000 | 1,375 |
| Average total loans | $280,893,000 | 1,686 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1650% | 5,260 |
| Cost of funding earning assets | 0.1570% | 5,237 |
| Net interest margin | 3.0080% | 4,868 |
| Noninterest income to average assets | 2.0801% | 261 |
| Noninterest expense to average assets | 3.0024% | 2,053 |
| Loan and lease loss provision to assets | 0.0284% | 3,142 |
| Net operating income to assets | 1.9696% | 400 |
| Return on assets (ROA) | 1.9696% | 401 |
| Pretax return on assets | 1.9696% | 613 |
| Return on Equity (ROE) | 27.6377% | 59 |
| Retained earnings to average equity (ytd only) | 27.6377% | 28 |
| Net charge-offs to loans | 0.3412% | 449 |
| Credit loss provision to net charge-offs | 23.2068% | 2,106 |
| Earnings coverage of net charge-offs (x) | 16.3165% | 1,632 |
| Efficiency ratio | 60.0434% | 4,062 |
| Assets per employee ($millions) | 9.6175% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7016% | 5,026 |
| Loan loss allowance to noncurrent loans | 383.3006% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 4,770 |
| Noncurrent loans to loans | 0.1830% | 4,144 |
| Net loans and leases to total assets | 34.5924% | 5,253 |
| Net loans and leases to deposits | 39.1234% | 5,287 |
| Net loans and leases to core deposits | 39.2299% | 5,322 |
| Total domestic deposits to total assets | 88.4188% | 1,399 |
| Equity capital to assets | 7.1030% | 5,500 |
| Core capital (leverage) ratio | 7.5991% | 5,491 |
| Tier 1 risk-based capital ratio | 12.6240% | 4,159 |
| Total risk-based capital ratio | 13.0508% | 4,558 |
| Memoranda: | ||
| Average total assets | $774,181,500 | 981 |
| Average earning assets | $751,584,500 | 943 |
| Average equity | $55,171,000 | 1,423 |
| Average total loans | $277,809,500 | 1,702 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0160% | 5,344 |
| Cost of funding earning assets | 0.1392% | 5,318 |
| Net interest margin | 2.8769% | 5,075 |
| Noninterest income to average assets | 2.0696% | 282 |
| Noninterest expense to average assets | 2.8737% | 2,542 |
| Loan and lease loss provision to assets | 0.0680% | 2,842 |
| Net operating income to assets | 1.9162% | 326 |
| Return on assets (ROA) | 1.9162% | 334 |
| Pretax return on assets | 1.9162% | 586 |
| Return on Equity (ROE) | 25.7513% | 59 |
| Retained earnings to average equity (ytd only) | 4.3216% | 2,559 |
| Net charge-offs to loans | 0.1621% | 1,506 |
| Credit loss provision to net charge-offs | 113.7778% | 2,299 |
| Earnings coverage of net charge-offs (x) | 33.1822% | 1,443 |
| Efficiency ratio | 59.1542% | 4,392 |
| Assets per employee ($millions) | 8.9299% | 460 |
| Cash dividends to net income (ytd only)* | 83.2178% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7689% | 4,910 |
| Loan loss allowance to noncurrent loans | 324.3161% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 4,686 |
| Noncurrent loans to loans | 0.2371% | 3,954 |
| Net loans and leases to total assets | 36.7145% | 5,264 |
| Net loans and leases to deposits | 39.8864% | 5,340 |
| Net loans and leases to core deposits | 40.0146% | 5,387 |
| Total domestic deposits to total assets | 92.0476% | 77 |
| Equity capital to assets | 7.1512% | 5,575 |
| Core capital (leverage) ratio | 7.3420% | 5,578 |
| Tier 1 risk-based capital ratio | 12.2755% | 4,352 |
| Total risk-based capital ratio | 12.7604% | 4,742 |
| Memoranda: | ||
| Average total assets | $752,523,600 | 985 |
| Average earning assets | $729,367,000 | 943 |
| Average equity | $55,997,200 | 1,393 |
| Average total loans | $277,670,200 | 1,670 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9847% | 5,419 |
| Cost of funding earning assets | 0.1404% | 5,371 |
| Net interest margin | 2.8443% | 5,164 |
| Noninterest income to average assets | 2.0265% | 299 |
| Noninterest expense to average assets | 2.8427% | 2,588 |
| Loan and lease loss provision to assets | 0.0489% | 3,120 |
| Net operating income to assets | 1.8897% | 395 |
| Return on assets (ROA) | 1.8897% | 401 |
| Pretax return on assets | 1.8897% | 706 |
| Return on Equity (ROE) | 25.1505% | 76 |
| Retained earnings to average equity (ytd only) | 25.1505% | 27 |
| Net charge-offs to loans | 0.1810% | 1,165 |
| Credit loss provision to net charge-offs | 73.2095% | 2,667 |
| Earnings coverage of net charge-offs (x) | 29.0453% | 1,591 |
| Efficiency ratio | 59.4550% | 4,296 |
| Assets per employee ($millions) | 8.9935% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7118% | 5,115 |
| Loan loss allowance to noncurrent loans | 386.4706% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 4,898 |
| Noncurrent loans to loans | 0.1842% | 4,332 |
| Net loans and leases to total assets | 35.9670% | 5,348 |
| Net loans and leases to deposits | 40.6664% | 5,402 |
| Net loans and leases to core deposits | 40.8182% | 5,446 |
| Total domestic deposits to total assets | 88.4439% | 1,154 |
| Equity capital to assets | 8.1370% | 5,466 |
| Core capital (leverage) ratio | 8.2993% | 5,369 |
| Tier 1 risk-based capital ratio | 13.9495% | 3,467 |
| Total risk-based capital ratio | 14.3908% | 3,819 |
| Memoranda: | ||
| Average total assets | $753,126,250 | 990 |
| Average earning assets | $729,385,250 | 945 |
| Average equity | $56,586,000 | 1,400 |
| Average total loans | $277,704,250 | 1,676 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9495% | 5,473 |
| Cost of funding earning assets | 0.1397% | 5,396 |
| Net interest margin | 2.8098% | 5,229 |
| Noninterest income to average assets | 2.0025% | 312 |
| Noninterest expense to average assets | 2.8707% | 2,513 |
| Loan and lease loss provision to assets | 0.0320% | 3,357 |
| Net operating income to assets | 1.8208% | 437 |
| Return on assets (ROA) | 1.8208% | 450 |
| Pretax return on assets | 1.8208% | 795 |
| Return on Equity (ROE) | 24.9371% | 81 |
| Retained earnings to average equity (ytd only) | 24.9371% | 32 |
| Net charge-offs to loans | 0.1756% | 1,124 |
| Credit loss provision to net charge-offs | 49.1803% | 2,573 |
| Earnings coverage of net charge-offs (x) | 28.4508% | 1,502 |
| Efficiency ratio | 60.7752% | 4,199 |
| Assets per employee ($millions) | 9.4273% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7000% | 5,213 |
| Loan loss allowance to noncurrent loans | 173.6185% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 4,576 |
| Noncurrent loans to loans | 0.4032% | 3,583 |
| Net loans and leases to total assets | 36.6394% | 5,354 |
| Net loans and leases to deposits | 40.1957% | 5,448 |
| Net loans and leases to core deposits | 40.3430% | 5,489 |
| Total domestic deposits to total assets | 91.1525% | 188 |
| Equity capital to assets | 7.7330% | 5,611 |
| Core capital (leverage) ratio | 7.7942% | 5,592 |
| Tier 1 risk-based capital ratio | 12.9183% | 4,052 |
| Total risk-based capital ratio | 13.3489% | 4,445 |
| Memoranda: | ||
| Average total assets | $749,352,330 | 995 |
| Average earning assets | $725,679,000 | 955 |
| Average equity | $54,713,670 | 1,430 |
| Average total loans | $277,965,670 | 1,673 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8791% | 5,553 |
| Cost of funding earning assets | 0.1300% | 5,489 |
| Net interest margin | 2.7492% | 5,328 |
| Noninterest income to average assets | 2.0093% | 314 |
| Noninterest expense to average assets | 2.8661% | 2,559 |
| Loan and lease loss provision to assets | 0.0594% | 2,617 |
| Net operating income to assets | 1.7458% | 501 |
| Return on assets (ROA) | 1.7458% | 509 |
| Pretax return on assets | 1.7458% | 908 |
| Return on Equity (ROE) | 24.6456% | 92 |
| Retained earnings to average equity (ytd only) | 24.6456% | 54 |
| Net charge-offs to loans | 0.0691% | 1,637 |
| Credit loss provision to net charge-offs | 231.2500% | 927 |
| Earnings coverage of net charge-offs (x) | 70.2292% | 720 |
| Efficiency ratio | 61.3550% | 4,251 |
| Assets per employee ($millions) | 9.1691% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7764% | 5,119 |
| Loan loss allowance to noncurrent loans | 157.9142% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 4,529 |
| Noncurrent loans to loans | 0.4916% | 3,328 |
| Net loans and leases to total assets | 35.8537% | 5,406 |
| Net loans and leases to deposits | 39.6017% | 5,479 |
| Net loans and leases to core deposits | 39.7668% | 5,530 |
| Total domestic deposits to total assets | 90.5357% | 458 |
| Equity capital to assets | 7.1756% | 5,735 |
| Core capital (leverage) ratio | 7.5169% | 5,701 |
| Tier 1 risk-based capital ratio | 12.2646% | 4,533 |
| Total risk-based capital ratio | 12.7420% | 4,937 |
| Memoranda: | ||
| Average total assets | $746,938,500 | 998 |
| Average earning assets | $723,278,000 | 957 |
| Average equity | $52,910,000 | 1,462 |
| Average total loans | $277,811,000 | 1,689 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8741% | 5,600 |
| Cost of funding earning assets | 0.1365% | 5,509 |
| Net interest margin | 2.7377% | 5,372 |
| Noninterest income to average assets | 1.8527% | 378 |
| Noninterest expense to average assets | 2.8524% | 2,838 |
| Loan and lease loss provision to assets | 0.0744% | 2,864 |
| Net operating income to assets | 1.5760% | 719 |
| Return on assets (ROA) | 1.5760% | 749 |
| Pretax return on assets | 1.5760% | 1,352 |
| Return on Equity (ROE) | 21.2121% | 171 |
| Retained earnings to average equity (ytd only) | 0.7860% | 5,005 |
| Net charge-offs to loans | 0.2072% | 1,344 |
| Credit loss provision to net charge-offs | 94.1681% | 2,723 |
| Earnings coverage of net charge-offs (x) | 20.8919% | 1,828 |
| Efficiency ratio | 63.3475% | 4,048 |
| Assets per employee ($millions) | 8.7243% | 459 |
| Cash dividends to net income (ytd only)* | 96.2944% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7383% | 5,277 |
| Loan loss allowance to noncurrent loans | 163.9241% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 4,632 |
| Noncurrent loans to loans | 0.4504% | 3,535 |
| Net loans and leases to total assets | 38.0103% | 5,403 |
| Net loans and leases to deposits | 41.3415% | 5,506 |
| Net loans and leases to core deposits | 41.5526% | 5,555 |
| Total domestic deposits to total assets | 91.9423% | 109 |
| Equity capital to assets | 6.9880% | 5,801 |
| Core capital (leverage) ratio | 7.2466% | 5,783 |
| Tier 1 risk-based capital ratio | 11.5322% | 5,035 |
| Total risk-based capital ratio | 11.9955% | 5,370 |
| Memoranda: | ||
| Average total assets | $738,020,800 | 977 |
| Average earning assets | $714,404,600 | 931 |
| Average equity | $54,831,800 | 1,402 |
| Average total loans | $281,353,800 | 1,615 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8804% | 5,667 |
| Cost of funding earning assets | 0.1405% | 5,544 |
| Net interest margin | 2.7399% | 5,446 |
| Noninterest income to average assets | 1.8245% | 401 |
| Noninterest expense to average assets | 2.8400% | 2,869 |
| Loan and lease loss provision to assets | 0.0826% | 2,558 |
| Net operating income to assets | 1.5544% | 792 |
| Return on assets (ROA) | 1.5544% | 832 |
| Pretax return on assets | 1.5544% | 1,522 |
| Return on Equity (ROE) | 20.6177% | 212 |
| Retained earnings to average equity (ytd only) | 20.6177% | 51 |
| Net charge-offs to loans | 0.2349% | 1,001 |
| Credit loss provision to net charge-offs | 92.3387% | 2,496 |
| Earnings coverage of net charge-offs (x) | 18.3003% | 2,001 |
| Efficiency ratio | 63.4361% | 4,012 |
| Assets per employee ($millions) | 8.3606% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7249% | 5,373 |
| Loan loss allowance to noncurrent loans | 161.1847% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 4,728 |
| Noncurrent loans to loans | 0.4497% | 3,665 |
| Net loans and leases to total assets | 39.3908% | 5,412 |
| Net loans and leases to deposits | 43.5482% | 5,530 |
| Net loans and leases to core deposits | 43.7782% | 5,585 |
| Total domestic deposits to total assets | 90.4534% | 337 |
| Equity capital to assets | 8.3615% | 5,600 |
| Core capital (leverage) ratio | 8.1475% | 5,615 |
| Tier 1 risk-based capital ratio | 13.3701% | 3,939 |
| Total risk-based capital ratio | 13.8385% | 4,326 |
| Memoranda: | ||
| Average total assets | $739,316,000 | 978 |
| Average earning assets | $715,719,750 | 930 |
| Average equity | $55,737,000 | 1,390 |
| Average total loans | $281,535,500 | 1,609 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8383% | 5,780 |
| Cost of funding earning assets | 0.1331% | 5,664 |
| Net interest margin | 2.7052% | 5,561 |
| Noninterest income to average assets | 1.7641% | 409 |
| Noninterest expense to average assets | 2.7147% | 3,342 |
| Loan and lease loss provision to assets | 0.0946% | 2,261 |
| Net operating income to assets | 1.5752% | 766 |
| Return on assets (ROA) | 1.5752% | 806 |
| Pretax return on assets | 1.5752% | 1,437 |
| Return on Equity (ROE) | 21.6523% | 167 |
| Retained earnings to average equity (ytd only) | 21.6523% | 48 |
| Net charge-offs to loans | 0.2926% | 813 |
| Credit loss provision to net charge-offs | 86.0976% | 2,293 |
| Earnings coverage of net charge-offs (x) | 15.1927% | 2,010 |
| Efficiency ratio | 61.9161% | 4,359 |
| Assets per employee ($millions) | 9.3324% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7228% | 5,474 |
| Loan loss allowance to noncurrent loans | 142.2917% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 4,764 |
| Noncurrent loans to loans | 0.5080% | 3,559 |
| Net loans and leases to total assets | 35.4777% | 5,631 |
| Net loans and leases to deposits | 42.8222% | 5,595 |
| Net loans and leases to core deposits | 43.0471% | 5,648 |
| Total domestic deposits to total assets | 82.8488% | 3,707 |
| Equity capital to assets | 7.2419% | 5,946 |
| Core capital (leverage) ratio | 7.8474% | 5,805 |
| Tier 1 risk-based capital ratio | 12.2580% | 4,668 |
| Total risk-based capital ratio | 12.7067% | 5,068 |
| Memoranda: | ||
| Average total assets | $746,085,330 | 971 |
| Average earning assets | $722,679,000 | 918 |
| Average equity | $54,276,000 | 1,427 |
| Average total loans | $280,283,670 | 1,619 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9064% | 5,776 |
| Cost of funding earning assets | 0.1292% | 5,758 |
| Net interest margin | 2.7771% | 5,506 |
| Noninterest income to average assets | 1.8004% | 395 |
| Noninterest expense to average assets | 2.7001% | 3,414 |
| Loan and lease loss provision to assets | 0.1218% | 1,737 |
| Net operating income to assets | 1.6670% | 618 |
| Return on assets (ROA) | 1.6670% | 653 |
| Pretax return on assets | 1.6670% | 1,135 |
| Return on Equity (ROE) | 22.8580% | 130 |
| Retained earnings to average equity (ytd only) | 22.8580% | 58 |
| Net charge-offs to loans | 0.2727% | 774 |
| Credit loss provision to net charge-offs | 115.7895% | 1,472 |
| Earnings coverage of net charge-offs (x) | 17.0053% | 1,591 |
| Efficiency ratio | 60.1505% | 4,724 |
| Assets per employee ($millions) | 8.8642% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 5,448 |
| Loan loss allowance to noncurrent loans | 331.6770% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 5,237 |
| Noncurrent loans to loans | 0.2314% | 4,602 |
| Net loans and leases to total assets | 37.0911% | 5,592 |
| Net loans and leases to deposits | 41.8496% | 5,656 |
| Net loans and leases to core deposits | 42.0167% | 5,710 |
| Total domestic deposits to total assets | 88.6294% | 1,294 |
| Equity capital to assets | 7.3090% | 5,979 |
| Core capital (leverage) ratio | 7.8195% | 5,842 |
| Tier 1 risk-based capital ratio | 12.2229% | 4,768 |
| Total risk-based capital ratio | 12.7095% | 5,157 |
| Memoranda: | ||
| Average total assets | $722,500,000 | 999 |
| Average earning assets | $699,427,000 | 946 |
| Average equity | $52,690,500 | 1,460 |
| Average total loans | $278,686,500 | 1,620 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8375% | 5,857 |
| Cost of funding earning assets | 0.1471% | 5,702 |
| Net interest margin | 2.6904% | 5,661 |
| Noninterest income to average assets | 1.7912% | 414 |
| Noninterest expense to average assets | 2.8838% | 2,919 |
| Loan and lease loss provision to assets | 0.0969% | 2,373 |
| Net operating income to assets | 1.4123% | 1,020 |
| Return on assets (ROA) | 1.4123% | 1,056 |
| Pretax return on assets | 1.4123% | 1,846 |
| Return on Equity (ROE) | 18.6171% | 341 |
| Retained earnings to average equity (ytd only) | -0.0443% | 5,522 |
| Net charge-offs to loans | 0.3699% | 782 |
| Credit loss provision to net charge-offs | 67.9449% | 3,157 |
| Earnings coverage of net charge-offs (x) | 10.5870% | 2,673 |
| Efficiency ratio | 65.6456% | 3,961 |
| Assets per employee ($millions) | 8.4387% | 475 |
| Cash dividends to net income (ytd only)* | 100.2382% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7547% | 5,522 |
| Loan loss allowance to noncurrent loans | 388.5609% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 5,318 |
| Noncurrent loans to loans | 0.1942% | 4,709 |
| Net loans and leases to total assets | 39.5418% | 5,545 |
| Net loans and leases to deposits | 43.2369% | 5,675 |
| Net loans and leases to core deposits | 43.3974% | 5,732 |
| Total domestic deposits to total assets | 91.4539% | 187 |
| Equity capital to assets | 7.2756% | 6,012 |
| Core capital (leverage) ratio | 7.4945% | 5,982 |
| Tier 1 risk-based capital ratio | 11.4961% | 5,256 |
| Total risk-based capital ratio | 11.9686% | 5,581 |
| Memoranda: | ||
| Average total assets | $713,426,800 | 972 |
| Average earning assets | $689,936,200 | 926 |
| Average equity | $54,122,400 | 1,380 |
| Average total loans | $274,903,000 | 1,592 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8122% | 5,949 |
| Cost of funding earning assets | 0.1510% | 5,766 |
| Net interest margin | 2.6612% | 5,770 |
| Noninterest income to average assets | 1.7501% | 432 |
| Noninterest expense to average assets | 2.8356% | 3,055 |
| Loan and lease loss provision to assets | 0.1008% | 2,164 |
| Net operating income to assets | 1.3875% | 1,138 |
| Return on assets (ROA) | 1.3875% | 1,190 |
| Pretax return on assets | 1.3875% | 2,067 |
| Return on Equity (ROE) | 18.1081% | 396 |
| Retained earnings to average equity (ytd only) | 18.1081% | 87 |
| Net charge-offs to loans | 0.3783% | 685 |
| Credit loss provision to net charge-offs | 69.7555% | 2,774 |
| Earnings coverage of net charge-offs (x) | 10.2961% | 2,609 |
| Efficiency ratio | 65.5796% | 3,963 |
| Assets per employee ($millions) | 8.8635% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 5,550 |
| Loan loss allowance to noncurrent loans | 325.9644% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 5,374 |
| Noncurrent loans to loans | 0.2416% | 4,708 |
| Net loans and leases to total assets | 38.5548% | 5,667 |
| Net loans and leases to deposits | 44.6952% | 5,699 |
| Net loans and leases to core deposits | 44.9053% | 5,764 |
| Total domestic deposits to total assets | 86.2616% | 2,404 |
| Equity capital to assets | 8.1733% | 5,888 |
| Core capital (leverage) ratio | 8.4302% | 5,605 |
| Tier 1 risk-based capital ratio | 13.6890% | 4,032 |
| Total risk-based capital ratio | 14.2051% | 4,379 |
| Memoranda: | ||
| Average total assets | $716,680,750 | 974 |
| Average earning assets | $693,144,750 | 931 |
| Average equity | $54,913,250 | 1,369 |
| Average total loans | $273,863,500 | 1,604 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7989% | 6,017 |
| Cost of funding earning assets | 0.1548% | 5,818 |
| Net interest margin | 2.6441% | 5,832 |
| Noninterest income to average assets | 1.7170% | 461 |
| Noninterest expense to average assets | 2.7951% | 3,248 |
| Loan and lease loss provision to assets | 0.1064% | 2,055 |
| Net operating income to assets | 1.3727% | 1,142 |
| Return on assets (ROA) | 1.3727% | 1,187 |
| Pretax return on assets | 1.3727% | 2,096 |
| Return on Equity (ROE) | 18.3236% | 393 |
| Retained earnings to average equity (ytd only) | 18.3236% | 97 |
| Net charge-offs to loans | 0.4791% | 528 |
| Credit loss provision to net charge-offs | 58.4356% | 2,606 |
| Earnings coverage of net charge-offs (x) | 8.1242% | 2,593 |
| Efficiency ratio | 65.3949% | 4,113 |
| Assets per employee ($millions) | 9.0880% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7816% | 5,643 |
| Loan loss allowance to noncurrent loans | 393.6248% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 5,567 |
| Noncurrent loans to loans | 0.1986% | 4,982 |
| Net loans and leases to total assets | 37.2636% | 5,765 |
| Net loans and leases to deposits | 43.1058% | 5,797 |
| Net loans and leases to core deposits | 43.3024% | 5,854 |
| Total domestic deposits to total assets | 86.4467% | 2,462 |
| Equity capital to assets | 7.6199% | 6,093 |
| Core capital (leverage) ratio | 8.1453% | 5,836 |
| Tier 1 risk-based capital ratio | 12.8951% | 4,577 |
| Total risk-based capital ratio | 13.3910% | 4,946 |
| Memoranda: | ||
| Average total assets | $716,259,670 | 975 |
| Average earning assets | $692,701,000 | 926 |
| Average equity | $53,657,670 | 1,405 |
| Average total loans | $272,151,670 | 1,618 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8469% | 6,034 |
| Cost of funding earning assets | 0.1710% | 5,761 |
| Net interest margin | 2.6759% | 5,834 |
| Noninterest income to average assets | 1.6723% | 457 |
| Noninterest expense to average assets | 2.8225% | 3,168 |
| Loan and lease loss provision to assets | 0.1529% | 1,336 |
| Net operating income to assets | 1.2844% | 1,329 |
| Return on assets (ROA) | 1.2844% | 1,412 |
| Pretax return on assets | 1.2844% | 2,345 |
| Return on Equity (ROE) | 17.2996% | 448 |
| Retained earnings to average equity (ytd only) | 17.2996% | 166 |
| Net charge-offs to loans | 0.4608% | 538 |
| Credit loss provision to net charge-offs | 86.8167% | 1,768 |
| Earnings coverage of net charge-offs (x) | 8.1608% | 2,106 |
| Efficiency ratio | 66.2590% | 4,109 |
| Assets per employee ($millions) | 8.9260% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 5,506 |
| Loan loss allowance to noncurrent loans | 267.1508% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 5,465 |
| Noncurrent loans to loans | 0.3286% | 4,616 |
| Net loans and leases to total assets | 37.3439% | 5,761 |
| Net loans and leases to deposits | 41.6962% | 5,850 |
| Net loans and leases to core deposits | 41.8574% | 5,918 |
| Total domestic deposits to total assets | 89.5618% | 961 |
| Equity capital to assets | 7.4236% | 6,194 |
| Core capital (leverage) ratio | 7.8230% | 6,026 |
| Tier 1 risk-based capital ratio | 12.4465% | 4,947 |
| Total risk-based capital ratio | 13.0087% | 5,305 |
| Memoranda: | ||
| Average total assets | $706,326,500 | 988 |
| Average earning assets | $682,979,500 | 941 |
| Average equity | $52,440,500 | 1,447 |
| Average total loans | $269,993,500 | 1,625 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8441% | 6,177 |
| Cost of funding earning assets | 0.1800% | 5,910 |
| Net interest margin | 2.6641% | 5,990 |
| Noninterest income to average assets | 1.7017% | 442 |
| Noninterest expense to average assets | 2.8124% | 3,431 |
| Loan and lease loss provision to assets | 0.0646% | 3,215 |
| Net operating income to assets | 1.4001% | 1,086 |
| Return on assets (ROA) | 1.4001% | 1,114 |
| Pretax return on assets | 1.4001% | 1,888 |
| Return on Equity (ROE) | 18.2269% | 376 |
| Retained earnings to average equity (ytd only) | 0.4319% | 5,579 |
| Net charge-offs to loans | 0.3724% | 1,158 |
| Credit loss provision to net charge-offs | 45.5823% | 3,580 |
| Earnings coverage of net charge-offs (x) | 10.3283% | 2,622 |
| Efficiency ratio | 65.7545% | 4,294 |
| Assets per employee ($millions) | 8.6206% | 412 |
| Cash dividends to net income (ytd only)* | 97.6304% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 5,449 |
| Loan loss allowance to noncurrent loans | 230.5213% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1530% | 5,417 |
| Noncurrent loans to loans | 0.3942% | 4,460 |
| Net loans and leases to total assets | 38.4495% | 5,823 |
| Net loans and leases to deposits | 42.1209% | 5,966 |
| Net loans and leases to core deposits | 42.3315% | 6,020 |
| Total domestic deposits to total assets | 91.2837% | 276 |
| Equity capital to assets | 7.4252% | 6,253 |
| Core capital (leverage) ratio | 7.4374% | 6,223 |
| Tier 1 risk-based capital ratio | 12.2986% | 5,151 |
| Total risk-based capital ratio | 12.8818% | 5,497 |
| Memoranda: | ||
| Average total assets | $702,308,800 | 954 |
| Average earning assets | $678,943,200 | 905 |
| Average equity | $53,947,800 | 1,352 |
| Average total loans | $267,452,400 | 1,588 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8226% | 6,266 |
| Cost of funding earning assets | 0.1808% | 5,989 |
| Net interest margin | 2.6418% | 6,081 |
| Noninterest income to average assets | 1.6743% | 466 |
| Noninterest expense to average assets | 2.8128% | 3,411 |
| Loan and lease loss provision to assets | 0.0654% | 3,046 |
| Net operating income to assets | 1.3505% | 1,247 |
| Return on assets (ROA) | 1.3505% | 1,303 |
| Pretax return on assets | 1.3505% | 2,192 |
| Return on Equity (ROE) | 17.4396% | 501 |
| Retained earnings to average equity (ytd only) | 17.4396% | 129 |
| Net charge-offs to loans | 0.3879% | 1,029 |
| Credit loss provision to net charge-offs | 44.4730% | 3,210 |
| Earnings coverage of net charge-offs (x) | 9.6298% | 2,644 |
| Efficiency ratio | 66.5162% | 4,135 |
| Assets per employee ($millions) | 8.4596% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 5,428 |
| Loan loss allowance to noncurrent loans | 228.5971% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 5,557 |
| Noncurrent loans to loans | 0.4156% | 4,663 |
| Net loans and leases to total assets | 37.2935% | 5,979 |
| Net loans and leases to deposits | 42.7019% | 6,027 |
| Net loans and leases to core deposits | 42.9374% | 6,086 |
| Total domestic deposits to total assets | 87.3347% | 2,135 |
| Equity capital to assets | 8.1892% | 6,024 |
| Core capital (leverage) ratio | 8.1847% | 5,948 |
| Tier 1 risk-based capital ratio | 14.1061% | 4,138 |
| Total risk-based capital ratio | 14.7226% | 4,503 |
| Memoranda: | ||
| Average total assets | $705,474,000 | 956 |
| Average earning assets | $682,152,000 | 906 |
| Average equity | $54,632,750 | 1,344 |
| Average total loans | $267,416,000 | 1,597 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8339% | 6,317 |
| Cost of funding earning assets | 0.1818% | 6,061 |
| Net interest margin | 2.6520% | 6,112 |
| Noninterest income to average assets | 1.6261% | 482 |
| Noninterest expense to average assets | 2.7725% | 3,600 |
| Loan and lease loss provision to assets | 0.0844% | 2,616 |
| Net operating income to assets | 1.3348% | 1,221 |
| Return on assets (ROA) | 1.3348% | 1,266 |
| Pretax return on assets | 1.3348% | 2,134 |
| Return on Equity (ROE) | 17.5766% | 499 |
| Retained earnings to average equity (ytd only) | 17.5766% | 130 |
| Net charge-offs to loans | 0.4638% | 871 |
| Credit loss provision to net charge-offs | 47.9032% | 2,822 |
| Earnings coverage of net charge-offs (x) | 8.0548% | 2,541 |
| Efficiency ratio | 66.1424% | 4,348 |
| Assets per employee ($millions) | 8.8985% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 5,326 |
| Loan loss allowance to noncurrent loans | 229.5238% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 5,666 |
| Noncurrent loans to loans | 0.4377% | 4,675 |
| Net loans and leases to total assets | 36.6929% | 6,022 |
| Net loans and leases to deposits | 41.9826% | 6,067 |
| Net loans and leases to core deposits | 42.2130% | 6,142 |
| Total domestic deposits to total assets | 87.4003% | 2,247 |
| Equity capital to assets | 7.8443% | 6,236 |
| Core capital (leverage) ratio | 7.8284% | 6,194 |
| Tier 1 risk-based capital ratio | 13.5622% | 4,545 |
| Total risk-based capital ratio | 14.2073% | 4,878 |
| Memoranda: | ||
| Average total assets | $703,764,330 | 958 |
| Average earning assets | $680,833,670 | 907 |
| Average equity | $53,446,000 | 1,361 |
| Average total loans | $267,371,000 | 1,591 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8582% | 6,355 |
| Cost of funding earning assets | 0.1825% | 6,143 |
| Net interest margin | 2.6756% | 6,133 |
| Noninterest income to average assets | 1.5184% | 512 |
| Noninterest expense to average assets | 2.7526% | 3,737 |
| Loan and lease loss provision to assets | -0.0697% | 6,470 |
| Net operating income to assets | 1.4252% | 943 |
| Return on assets (ROA) | 1.4252% | 984 |
| Pretax return on assets | 1.4252% | 1,657 |
| Return on Equity (ROE) | 19.0859% | 351 |
| Retained earnings to average equity (ytd only) | 19.0859% | 140 |
| Net charge-offs to loans | 0.1412% | 1,875 |
| Credit loss provision to net charge-offs | -128.4211% | 4,878 |
| Earnings coverage of net charge-offs (x) | 24.9579% | 1,169 |
| Efficiency ratio | 67.0053% | 4,361 |
| Assets per employee ($millions) | 9.2062% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 5,388 |
| Loan loss allowance to noncurrent loans | 218.8095% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.1755% | 5,705 |
| Noncurrent loans to loans | 0.4722% | 4,745 |
| Net loans and leases to total assets | 36.7725% | 6,030 |
| Net loans and leases to deposits | 41.3114% | 6,115 |
| Net loans and leases to core deposits | 41.5683% | 6,174 |
| Total domestic deposits to total assets | 89.0130% | 1,652 |
| Equity capital to assets | 7.4571% | 6,325 |
| Core capital (leverage) ratio | 7.4445% | 6,357 |
| Tier 1 risk-based capital ratio | 12.9483% | 5,033 |
| Total risk-based capital ratio | 13.6161% | 5,336 |
| Memoranda: | ||
| Average total assets | $699,706,000 | 974 |
| Average earning assets | $677,219,000 | 915 |
| Average equity | $52,248,000 | 1,386 |
| Average total loans | $269,126,000 | 1,584 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0066% | 6,341 |
| Cost of funding earning assets | 0.2098% | 6,234 |
| Net interest margin | 2.7967% | 5,986 |
| Noninterest income to average assets | 1.5978% | 562 |
| Noninterest expense to average assets | 2.5405% | 4,642 |
| Loan and lease loss provision to assets | 0.1435% | 2,508 |
| Net operating income to assets | 1.6234% | 660 |
| Return on assets (ROA) | 1.6234% | 678 |
| Pretax return on assets | 1.6234% | 1,114 |
| Return on Equity (ROE) | 19.8264% | 288 |
| Retained earnings to average equity (ytd only) | -0.4178% | 5,954 |
| Net charge-offs to loans | 0.3814% | 1,765 |
| Credit loss provision to net charge-offs | 90.7531% | 2,734 |
| Earnings coverage of net charge-offs (x) | 11.1773% | 2,269 |
| Efficiency ratio | 58.9805% | 5,610 |
| Assets per employee ($millions) | 8.0156% | 468 |
| Cash dividends to net income (ytd only)* | 102.1071% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 5,172 |
| Loan loss allowance to noncurrent loans | 536.8231% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 6,100 |
| Noncurrent loans to loans | 0.2041% | 5,579 |
| Net loans and leases to total assets | 39.4030% | 6,007 |
| Net loans and leases to deposits | 43.0593% | 6,174 |
| Net loans and leases to core deposits | 43.4292% | 6,250 |
| Total domestic deposits to total assets | 91.5087% | 399 |
| Equity capital to assets | 7.4777% | 6,295 |
| Core capital (leverage) ratio | 7.4738% | 6,382 |
| Tier 1 risk-based capital ratio | 12.4246% | 5,339 |
| Total risk-based capital ratio | 13.1502% | 5,615 |
| Memoranda: | ||
| Average total assets | $663,598,200 | 1,005 |
| Average earning assets | $642,926,600 | 944 |
| Average equity | $54,336,600 | 1,312 |
| Average total loans | $275,046,400 | 1,534 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0099% | 6,416 |
| Cost of funding earning assets | 0.2149% | 6,318 |
| Net interest margin | 2.7950% | 6,026 |
| Noninterest income to average assets | 1.6006% | 572 |
| Noninterest expense to average assets | 2.4867% | 4,767 |
| Loan and lease loss provision to assets | 0.1537% | 2,345 |
| Net operating income to assets | 1.6695% | 657 |
| Return on assets (ROA) | 1.6695% | 690 |
| Pretax return on assets | 1.6695% | 1,163 |
| Return on Equity (ROE) | 19.9426% | 300 |
| Retained earnings to average equity (ytd only) | 19.9426% | 81 |
| Net charge-offs to loans | 0.3711% | 1,715 |
| Credit loss provision to net charge-offs | 98.9583% | 2,409 |
| Earnings coverage of net charge-offs (x) | 11.7370% | 2,207 |
| Efficiency ratio | 57.6966% | 5,727 |
| Assets per employee ($millions) | 7.3166% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 5,273 |
| Loan loss allowance to noncurrent loans | 510.5000% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 6,166 |
| Noncurrent loans to loans | 0.2184% | 5,686 |
| Net loans and leases to total assets | 41.2580% | 5,952 |
| Net loans and leases to deposits | 47.8893% | 5,967 |
| Net loans and leases to core deposits | 48.2650% | 6,109 |
| Total domestic deposits to total assets | 86.1530% | 3,163 |
| Equity capital to assets | 9.0177% | 5,167 |
| Core capital (leverage) ratio | 9.0342% | 5,074 |
| Tier 1 risk-based capital ratio | 14.4867% | 4,076 |
| Total risk-based capital ratio | 15.2326% | 4,393 |
| Memoranda: | ||
| Average total assets | $659,165,500 | 1,016 |
| Average earning assets | $638,977,250 | 957 |
| Average equity | $55,183,750 | 1,302 |
| Average total loans | $275,948,500 | 1,530 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9921% | 6,455 |
| Cost of funding earning assets | 0.2187% | 6,376 |
| Net interest margin | 2.7734% | 6,054 |
| Noninterest income to average assets | 1.5596% | 648 |
| Noninterest expense to average assets | 2.4389% | 4,933 |
| Loan and lease loss provision to assets | 0.2032% | 1,869 |
| Net operating income to assets | 1.6063% | 738 |
| Return on assets (ROA) | 1.6063% | 809 |
| Pretax return on assets | 1.6063% | 1,356 |
| Return on Equity (ROE) | 19.6933% | 328 |
| Retained earnings to average equity (ytd only) | 19.6933% | 92 |
| Net charge-offs to loans | 0.4234% | 1,524 |
| Credit loss provision to net charge-offs | 114.5299% | 1,932 |
| Earnings coverage of net charge-offs (x) | 10.1983% | 2,179 |
| Efficiency ratio | 57.4070% | 5,811 |
| Assets per employee ($millions) | 7.4306% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 5,275 |
| Loan loss allowance to noncurrent loans | 463.4361% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 6,183 |
| Noncurrent loans to loans | 0.2462% | 5,690 |
| Net loans and leases to total assets | 41.8173% | 5,911 |
| Net loans and leases to deposits | 47.5547% | 6,013 |
| Net loans and leases to core deposits | 48.0093% | 6,128 |
| Total domestic deposits to total assets | 87.9351% | 2,291 |
| Equity capital to assets | 8.5975% | 5,672 |
| Core capital (leverage) ratio | 8.6495% | 5,483 |
| Tier 1 risk-based capital ratio | 13.6959% | 4,643 |
| Total risk-based capital ratio | 14.4602% | 4,925 |
| Memoranda: | ||
| Average total assets | $659,388,330 | 1,016 |
| Average earning assets | $639,283,000 | 958 |
| Average equity | $53,784,670 | 1,339 |
| Average total loans | $276,349,330 | 1,529 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9674% | 6,545 |
| Cost of funding earning assets | 0.2293% | 6,420 |
| Net interest margin | 2.7381% | 6,152 |
| Noninterest income to average assets | 1.4764% | 711 |
| Noninterest expense to average assets | 2.4787% | 4,832 |
| Loan and lease loss provision to assets | 0.3238% | 1,039 |
| Net operating income to assets | 1.3284% | 1,208 |
| Return on assets (ROA) | 1.3284% | 1,309 |
| Pretax return on assets | 1.3284% | 2,130 |
| Return on Equity (ROE) | 16.7328% | 535 |
| Retained earnings to average equity (ytd only) | 16.7328% | 243 |
| Net charge-offs to loans | 0.3707% | 1,530 |
| Credit loss provision to net charge-offs | 209.3750% | 1,052 |
| Earnings coverage of net charge-offs (x) | 10.6836% | 1,719 |
| Efficiency ratio | 60.0029% | 5,585 |
| Assets per employee ($millions) | 7.6235% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 5,086 |
| Loan loss allowance to noncurrent loans | 359.1640% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 6,144 |
| Noncurrent loans to loans | 0.3400% | 5,554 |
| Net loans and leases to total assets | 41.8342% | 5,855 |
| Net loans and leases to deposits | 46.8298% | 6,002 |
| Net loans and leases to core deposits | 47.2707% | 6,137 |
| Total domestic deposits to total assets | 89.3323% | 1,467 |
| Equity capital to assets | 8.2637% | 6,211 |
| Core capital (leverage) ratio | 8.2538% | 5,874 |
| Tier 1 risk-based capital ratio | 13.0525% | 5,179 |
| Total risk-based capital ratio | 13.8703% | 5,451 |
| Memoranda: | ||
| Average total assets | $662,134,000 | 1,019 |
| Average earning assets | $641,915,500 | 951 |
| Average equity | $52,567,500 | 1,384 |
| Average total loans | $276,225,000 | 1,538 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2570% | 6,624 |
| Cost of funding earning assets | 0.2616% | 6,623 |
| Net interest margin | 2.9954% | 6,062 |
| Noninterest income to average assets | 1.4965% | 706 |
| Noninterest expense to average assets | 2.4608% | 5,221 |
| Loan and lease loss provision to assets | 0.1756% | 3,425 |
| Net operating income to assets | 1.7621% | 547 |
| Return on assets (ROA) | 1.7621% | 611 |
| Pretax return on assets | 1.7621% | 995 |
| Return on Equity (ROE) | 21.5473% | 237 |
| Retained earnings to average equity (ytd only) | 1.2926% | 5,223 |
| Net charge-offs to loans | 0.6771% | 1,742 |
| Credit loss provision to net charge-offs | 61.3361% | 4,408 |
| Earnings coverage of net charge-offs (x) | 6.7691% | 2,741 |
| Efficiency ratio | 55.9466% | 6,063 |
| Assets per employee ($millions) | 8.0509% | 491 |
| Cash dividends to net income (ytd only)* | 94.0010% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 5,534 |
| Loan loss allowance to noncurrent loans | 334.8964% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 6,226 |
| Noncurrent loans to loans | 0.3298% | 5,661 |
| Net loans and leases to total assets | 40.6559% | 6,128 |
| Net loans and leases to deposits | 44.5974% | 6,336 |
| Net loans and leases to core deposits | 45.1210% | 6,414 |
| Total domestic deposits to total assets | 91.1620% | 442 |
| Equity capital to assets | 7.6281% | 6,581 |
| Core capital (leverage) ratio | 7.5836% | 6,455 |
| Tier 1 risk-based capital ratio | 12.3885% | 5,551 |
| Total risk-based capital ratio | 13.1303% | 5,814 |
| Memoranda: | ||
| Average total assets | $664,101,000 | 992 |
| Average earning assets | $643,378,400 | 938 |
| Average equity | $54,308,400 | 1,313 |
| Average total loans | $280,771,600 | 1,481 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3427% | 6,688 |
| Cost of funding earning assets | 0.2689% | 6,734 |
| Net interest margin | 3.0738% | 5,999 |
| Noninterest income to average assets | 1.4756% | 687 |
| Noninterest expense to average assets | 2.5272% | 4,995 |
| Loan and lease loss provision to assets | 0.2453% | 2,605 |
| Net operating income to assets | 1.6795% | 724 |
| Return on assets (ROA) | 1.6795% | 804 |
| Pretax return on assets | 1.6795% | 1,333 |
| Return on Equity (ROE) | 20.1903% | 322 |
| Retained earnings to average equity (ytd only) | 20.1903% | 83 |
| Net charge-offs to loans | 0.7788% | 1,420 |
| Credit loss provision to net charge-offs | 73.9659% | 3,796 |
| Earnings coverage of net charge-offs (x) | 5.8047% | 2,924 |
| Efficiency ratio | 56.7662% | 5,950 |
| Assets per employee ($millions) | 7.5593% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 5,232 |
| Loan loss allowance to noncurrent loans | 339.8390% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 6,329 |
| Noncurrent loans to loans | 0.3564% | 5,766 |
| Net loans and leases to total assets | 42.3762% | 6,093 |
| Net loans and leases to deposits | 49.3444% | 6,161 |
| Net loans and leases to core deposits | 49.9568% | 6,284 |
| Total domestic deposits to total assets | 85.8784% | 3,316 |
| Equity capital to assets | 9.1330% | 5,666 |
| Core capital (leverage) ratio | 9.0616% | 4,974 |
| Tier 1 risk-based capital ratio | 14.3236% | 4,316 |
| Total risk-based capital ratio | 15.1450% | 4,574 |
| Memoranda: | ||
| Average total assets | $661,057,750 | 999 |
| Average earning assets | $640,098,500 | 947 |
| Average equity | $54,988,750 | 1,305 |
| Average total loans | $281,460,500 | 1,499 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3739% | 6,748 |
| Cost of funding earning assets | 0.2772% | 6,807 |
| Net interest margin | 3.0967% | 6,018 |
| Noninterest income to average assets | 1.4226% | 709 |
| Noninterest expense to average assets | 2.5316% | 5,031 |
| Loan and lease loss provision to assets | 0.2377% | 2,694 |
| Net operating income to assets | 1.6515% | 747 |
| Return on assets (ROA) | 1.6515% | 833 |
| Pretax return on assets | 1.6515% | 1,394 |
| Return on Equity (ROE) | 20.5093% | 321 |
| Retained earnings to average equity (ytd only) | 20.5093% | 97 |
| Net charge-offs to loans | 0.5929% | 1,834 |
| Credit loss provision to net charge-offs | 94.3847% | 2,925 |
| Earnings coverage of net charge-offs (x) | 7.5018% | 2,468 |
| Efficiency ratio | 57.2654% | 5,961 |
| Assets per employee ($millions) | 8.0695% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 4,736 |
| Loan loss allowance to noncurrent loans | 570.4097% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 6,556 |
| Noncurrent loans to loans | 0.2335% | 6,108 |
| Net loans and leases to total assets | 41.5802% | 6,219 |
| Net loans and leases to deposits | 46.0950% | 6,431 |
| Net loans and leases to core deposits | 46.6443% | 6,537 |
| Total domestic deposits to total assets | 90.2054% | 812 |
| Equity capital to assets | 8.4219% | 6,285 |
| Core capital (leverage) ratio | 8.3719% | 5,826 |
| Tier 1 risk-based capital ratio | 13.4582% | 4,865 |
| Total risk-based capital ratio | 14.3604% | 5,082 |
| Memoranda: | ||
| Average total assets | $664,709,330 | 991 |
| Average earning assets | $643,588,000 | 941 |
| Average equity | $53,527,000 | 1,334 |
| Average total loans | $282,325,000 | 1,490 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4437% | 6,763 |
| Cost of funding earning assets | 0.2870% | 6,877 |
| Net interest margin | 3.1568% | 5,890 |
| Noninterest income to average assets | 1.3271% | 809 |
| Noninterest expense to average assets | 2.6458% | 4,639 |
| Loan and lease loss provision to assets | 0.0809% | 4,379 |
| Net operating income to assets | 1.6569% | 783 |
| Return on assets (ROA) | 1.6569% | 873 |
| Pretax return on assets | 1.6569% | 1,415 |
| Return on Equity (ROE) | 21.0648% | 314 |
| Retained earnings to average equity (ytd only) | 21.0648% | 159 |
| Net charge-offs to loans | 0.3301% | 2,330 |
| Credit loss provision to net charge-offs | 57.5107% | 3,161 |
| Earnings coverage of net charge-offs (x) | 12.3476% | 1,607 |
| Efficiency ratio | 60.3555% | 5,568 |
| Assets per employee ($millions) | 7.9236% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 4,918 |
| Loan loss allowance to noncurrent loans | 2,094.3503% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 6,842 |
| Noncurrent loans to loans | 0.0631% | 6,594 |
| Net loans and leases to total assets | 41.0732% | 6,260 |
| Net loans and leases to deposits | 46.0343% | 6,428 |
| Net loans and leases to core deposits | 46.5848% | 6,532 |
| Total domestic deposits to total assets | 89.2230% | 1,535 |
| Equity capital to assets | 7.9568% | 6,546 |
| Core capital (leverage) ratio | 7.9179% | 6,325 |
| Tier 1 risk-based capital ratio | 12.8434% | 5,334 |
| Total risk-based capital ratio | 13.7362% | 5,581 |
| Memoranda: | ||
| Average total assets | $662,181,000 | 996 |
| Average earning assets | $641,163,500 | 941 |
| Average equity | $52,087,000 | 1,360 |
| Average total loans | $282,363,000 | 1,502 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7583% | 6,772 |
| Cost of funding earning assets | 0.3678% | 6,969 |
| Net interest margin | 3.3905% | 5,512 |
| Noninterest income to average assets | 1.5496% | 555 |
| Noninterest expense to average assets | 2.8368% | 4,211 |
| Loan and lease loss provision to assets | 0.2176% | 4,020 |
| Net operating income to assets | 1.7958% | 459 |
| Return on assets (ROA) | 1.7968% | 499 |
| Pretax return on assets | 1.7968% | 804 |
| Return on Equity (ROE) | 21.3676% | 208 |
| Retained earnings to average equity (ytd only) | -0.1167% | 5,869 |
| Net charge-offs to loans | 0.7247% | 2,340 |
| Credit loss provision to net charge-offs | 68.6486% | 4,902 |
| Earnings coverage of net charge-offs (x) | 6.3528% | 2,536 |
| Efficiency ratio | 58.4883% | 5,990 |
| Assets per employee ($millions) | 7.6572% | 539 |
| Cash dividends to net income (ytd only)* | 100.5461% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 5,309 |
| Loan loss allowance to noncurrent loans | 1,518.4211% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 6,881 |
| Noncurrent loans to loans | 0.0802% | 6,611 |
| Net loans and leases to total assets | 43.1626% | 6,281 |
| Net loans and leases to deposits | 48.1234% | 6,490 |
| Net loans and leases to core deposits | 48.6728% | 6,609 |
| Total domestic deposits to total assets | 89.6915% | 1,161 |
| Equity capital to assets | 7.7720% | 6,701 |
| Core capital (leverage) ratio | 7.7717% | 6,468 |
| Tier 1 risk-based capital ratio | 12.5840% | 5,384 |
| Total risk-based capital ratio | 13.4452% | 5,666 |
| Memoranda: | ||
| Average total assets | $642,103,200 | 1,011 |
| Average earning assets | $625,066,400 | 947 |
| Average equity | $53,993,000 | 1,258 |
| Average total loans | $280,799,200 | 1,517 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7919% | 6,849 |
| Cost of funding earning assets | 0.3816% | 7,056 |
| Net interest margin | 3.4104% | 5,541 |
| Noninterest income to average assets | 1.5239% | 565 |
| Noninterest expense to average assets | 2.8053% | 4,322 |
| Loan and lease loss provision to assets | 0.2359% | 3,653 |
| Net operating income to assets | 1.8087% | 513 |
| Return on assets (ROA) | 1.8100% | 552 |
| Pretax return on assets | 1.8100% | 944 |
| Return on Equity (ROE) | 21.1184% | 254 |
| Retained earnings to average equity (ytd only) | 21.1184% | 63 |
| Net charge-offs to loans | 0.7698% | 2,026 |
| Credit loss provision to net charge-offs | 70.0495% | 4,482 |
| Earnings coverage of net charge-offs (x) | 6.0724% | 2,629 |
| Efficiency ratio | 57.8425% | 6,037 |
| Assets per employee ($millions) | 7.7069% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 5,189 |
| Loan loss allowance to noncurrent loans | 1,808.0000% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 6,982 |
| Noncurrent loans to loans | 0.0697% | 6,753 |
| Net loans and leases to total assets | 43.7534% | 6,355 |
| Net loans and leases to deposits | 49.5232% | 6,526 |
| Net loans and leases to core deposits | 50.0114% | 6,669 |
| Total domestic deposits to total assets | 88.3492% | 1,841 |
| Equity capital to assets | 9.1744% | 5,550 |
| Core capital (leverage) ratio | 9.1659% | 4,680 |
| Tier 1 risk-based capital ratio | 15.0844% | 3,617 |
| Total risk-based capital ratio | 16.0038% | 3,779 |
| Memoranda: | ||
| Average total assets | $639,914,000 | 1,020 |
| Average earning assets | $624,084,000 | 955 |
| Average equity | $54,845,000 | 1,237 |
| Average total loans | $279,901,500 | 1,532 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7917% | 6,925 |
| Cost of funding earning assets | 0.3978% | 7,130 |
| Net interest margin | 3.3939% | 5,572 |
| Noninterest income to average assets | 1.4728% | 591 |
| Noninterest expense to average assets | 2.7963% | 4,432 |
| Loan and lease loss provision to assets | 0.2874% | 3,087 |
| Net operating income to assets | 1.7088% | 587 |
| Return on assets (ROA) | 1.7091% | 636 |
| Pretax return on assets | 1.7091% | 1,039 |
| Return on Equity (ROE) | 20.4279% | 289 |
| Retained earnings to average equity (ytd only) | 20.4279% | 89 |
| Net charge-offs to loans | 0.9100% | 1,710 |
| Credit loss provision to net charge-offs | 72.5257% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.0372% | 2,706 |
| Efficiency ratio | 58.3475% | 6,118 |
| Assets per employee ($millions) | 7.4818% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 4,942 |
| Loan loss allowance to noncurrent loans | 1,191.7460% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 6,976 |
| Noncurrent loans to loans | 0.1113% | 6,699 |
| Net loans and leases to total assets | 43.4107% | 6,483 |
| Net loans and leases to deposits | 52.4764% | 6,430 |
| Net loans and leases to core deposits | 53.0092% | 6,613 |
| Total domestic deposits to total assets | 82.7241% | 4,897 |
| Equity capital to assets | 8.7566% | 5,867 |
| Core capital (leverage) ratio | 8.7213% | 5,190 |
| Tier 1 risk-based capital ratio | 14.4149% | 3,855 |
| Total risk-based capital ratio | 15.3796% | 4,048 |
| Memoranda: | ||
| Average total assets | $637,425,000 | 1,035 |
| Average earning assets | $623,464,330 | 964 |
| Average equity | $53,329,000 | 1,262 |
| Average total loans | $277,579,670 | 1,562 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6736% | 7,087 |
| Cost of funding earning assets | 0.4113% | 7,201 |
| Net interest margin | 3.2623% | 5,896 |
| Noninterest income to average assets | 1.2887% | 769 |
| Noninterest expense to average assets | 2.7181% | 4,761 |
| Loan and lease loss provision to assets | 0.4067% | 2,154 |
| Net operating income to assets | 1.3795% | 1,096 |
| Return on assets (ROA) | 1.3795% | 1,149 |
| Pretax return on assets | 1.3795% | 1,782 |
| Return on Equity (ROE) | 16.8886% | 585 |
| Retained earnings to average equity (ytd only) | 16.8886% | 286 |
| Net charge-offs to loans | 1.2589% | 1,099 |
| Credit loss provision to net charge-offs | 74.5665% | 3,268 |
| Earnings coverage of net charge-offs (x) | 3.2751% | 2,794 |
| Efficiency ratio | 60.3443% | 5,936 |
| Assets per employee ($millions) | 7.5147% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 4,644 |
| Loan loss allowance to noncurrent loans | 472.3844% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 6,846 |
| Noncurrent loans to loans | 0.2974% | 6,392 |
| Net loans and leases to total assets | 42.1693% | 6,606 |
| Net loans and leases to deposits | 51.1883% | 6,535 |
| Net loans and leases to core deposits | 51.6825% | 6,698 |
| Total domestic deposits to total assets | 82.3808% | 5,155 |
| Equity capital to assets | 8.1869% | 6,298 |
| Core capital (leverage) ratio | 8.1762% | 6,002 |
| Tier 1 risk-based capital ratio | 14.0783% | 4,021 |
| Total risk-based capital ratio | 15.1130% | 4,139 |
| Memoranda: | ||
| Average total assets | $634,420,500 | 1,051 |
| Average earning assets | $625,320,000 | 969 |
| Average equity | $51,822,000 | 1,288 |
| Average total loans | $274,833,000 | 1,593 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1283% | 7,009 |
| Cost of funding earning assets | 0.5332% | 7,250 |
| Net interest margin | 3.5951% | 4,840 |
| Noninterest income to average assets | 2.3097% | 315 |
| Noninterest expense to average assets | 3.1416% | 3,306 |
| Loan and lease loss provision to assets | 0.4757% | 3,281 |
| Net operating income to assets | 2.2240% | 183 |
| Return on assets (ROA) | 2.2240% | 193 |
| Pretax return on assets | 2.2240% | 305 |
| Return on Equity (ROE) | 24.9509% | 104 |
| Retained earnings to average equity (ytd only) | 2.0737% | 4,428 |
| Net charge-offs to loans | 1.3408% | 1,664 |
| Credit loss provision to net charge-offs | 79.6750% | 5,571 |
| Earnings coverage of net charge-offs (x) | 4.5213% | 2,890 |
| Efficiency ratio | 53.7823% | 6,826 |
| Assets per employee ($millions) | 7.3244% | 641 |
| Cash dividends to net income (ytd only)* | 91.6888% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 4,005 |
| Loan loss allowance to noncurrent loans | 1,126.9231% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 7,078 |
| Noncurrent loans to loans | 0.1332% | 6,805 |
| Net loans and leases to total assets | 43.2325% | 6,769 |
| Net loans and leases to deposits | 48.3925% | 6,932 |
| Net loans and leases to core deposits | 48.6842% | 7,037 |
| Total domestic deposits to total assets | 89.3373% | 1,478 |
| Equity capital to assets | 8.1492% | 6,324 |
| Core capital (leverage) ratio | 8.1361% | 5,936 |
| Tier 1 risk-based capital ratio | 15.0220% | 3,241 |
| Total risk-based capital ratio | 16.2387% | 3,211 |
| Memoranda: | ||
| Average total assets | $608,095,000 | 1,097 |
| Average earning assets | $597,361,800 | 1,012 |
| Average equity | $54,202,400 | 1,232 |
| Average total loans | $270,800,600 | 1,647 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2259% | 7,057 |
| Cost of funding earning assets | 0.5644% | 7,363 |
| Net interest margin | 3.6614% | 4,588 |
| Noninterest income to average assets | 2.6036% | 264 |
| Noninterest expense to average assets | 3.3073% | 2,551 |
| Loan and lease loss provision to assets | 0.5563% | 2,724 |
| Net operating income to assets | 2.3330% | 181 |
| Return on assets (ROA) | 2.3330% | 193 |
| Pretax return on assets | 2.3330% | 316 |
| Return on Equity (ROE) | 25.6083% | 106 |
| Retained earnings to average equity (ytd only) | 25.6083% | 28 |
| Net charge-offs to loans | 1.5372% | 1,306 |
| Credit loss provision to net charge-offs | 80.9631% | 5,102 |
| Earnings coverage of net charge-offs (x) | 4.2051% | 3,152 |
| Efficiency ratio | 53.3727% | 6,849 |
| Assets per employee ($millions) | 6.4100% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 3,699 |
| Loan loss allowance to noncurrent loans | 1,080.6616% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 7,178 |
| Noncurrent loans to loans | 0.1444% | 6,885 |
| Net loans and leases to total assets | 44.4732% | 6,807 |
| Net loans and leases to deposits | 52.4665% | 6,868 |
| Net loans and leases to core deposits | 52.7924% | 7,016 |
| Total domestic deposits to total assets | 84.7650% | 3,741 |
| Equity capital to assets | 10.0119% | 4,146 |
| Core capital (leverage) ratio | 9.9782% | 3,281 |
| Tier 1 risk-based capital ratio | 18.0135% | 2,020 |
| Total risk-based capital ratio | 19.2634% | 1,984 |
| Memoranda: | ||
| Average total assets | $604,475,000 | 1,113 |
| Average earning assets | $593,158,000 | 1,028 |
| Average equity | $55,069,250 | 1,213 |
| Average total loans | $270,186,500 | 1,667 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 7,095 |
| Cost of funding earning assets | 0.5955% | 7,418 |
| Net interest margin | 3.6726% | 4,486 |
| Noninterest income to average assets | 2.8765% | 228 |
| Noninterest expense to average assets | 3.3769% | 2,324 |
| Loan and lease loss provision to assets | 0.6825% | 2,122 |
| Net operating income to assets | 2.4170% | 158 |
| Return on assets (ROA) | 2.4170% | 167 |
| Pretax return on assets | 2.4170% | 267 |
| Return on Equity (ROE) | 27.4322% | 81 |
| Retained earnings to average equity (ytd only) | 27.4322% | 32 |
| Net charge-offs to loans | 1.7454% | 1,073 |
| Credit loss provision to net charge-offs | 87.7976% | 4,486 |
| Earnings coverage of net charge-offs (x) | 3.9872% | 3,100 |
| Efficiency ratio | 52.1409% | 7,051 |
| Assets per employee ($millions) | 6.4101% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 3,152 |
| Loan loss allowance to noncurrent loans | 481.7989% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 6,999 |
| Noncurrent loans to loans | 0.3487% | 6,535 |
| Net loans and leases to total assets | 43.7581% | 6,940 |
| Net loans and leases to deposits | 52.2065% | 6,966 |
| Net loans and leases to core deposits | 52.5002% | 7,111 |
| Total domestic deposits to total assets | 83.8172% | 4,193 |
| Equity capital to assets | 9.3466% | 4,936 |
| Core capital (leverage) ratio | 9.3345% | 4,060 |
| Tier 1 risk-based capital ratio | 16.8186% | 2,356 |
| Total risk-based capital ratio | 18.0686% | 2,301 |
| Memoranda: | ||
| Average total assets | $605,119,330 | 1,118 |
| Average earning assets | $593,154,000 | 1,031 |
| Average equity | $53,317,000 | 1,248 |
| Average total loans | $269,509,670 | 1,689 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 7,116 |
| Cost of funding earning assets | 0.6444% | 7,457 |
| Net interest margin | 3.6687% | 4,399 |
| Noninterest income to average assets | 2.8170% | 224 |
| Noninterest expense to average assets | 3.3349% | 2,411 |
| Loan and lease loss provision to assets | 0.7003% | 1,816 |
| Net operating income to assets | 2.3760% | 179 |
| Return on assets (ROA) | 2.3760% | 201 |
| Pretax return on assets | 2.3760% | 308 |
| Return on Equity (ROE) | 27.8199% | 113 |
| Retained earnings to average equity (ytd only) | 27.8199% | 82 |
| Net charge-offs to loans | 1.7473% | 991 |
| Credit loss provision to net charge-offs | 89.9489% | 3,663 |
| Earnings coverage of net charge-offs (x) | 3.9514% | 2,738 |
| Efficiency ratio | 52.0170% | 7,151 |
| Assets per employee ($millions) | 6.0290% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 2,875 |
| Loan loss allowance to noncurrent loans | 531.8694% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 7,105 |
| Noncurrent loans to loans | 0.3302% | 6,638 |
| Net loans and leases to total assets | 44.7177% | 6,931 |
| Net loans and leases to deposits | 51.1731% | 7,071 |
| Net loans and leases to core deposits | 51.4557% | 7,228 |
| Total domestic deposits to total assets | 87.3850% | 2,420 |
| Equity capital to assets | 9.0189% | 5,251 |
| Core capital (leverage) ratio | 8.9912% | 4,589 |
| Tier 1 risk-based capital ratio | 15.8117% | 2,724 |
| Total risk-based capital ratio | 17.0616% | 2,667 |
| Memoranda: | ||
| Average total assets | $603,198,000 | 1,145 |
| Average earning assets | $590,945,500 | 1,060 |
| Average equity | $51,517,000 | 1,297 |
| Average total loans | $268,753,000 | 1,747 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6867% | 7,156 |
| Cost of funding earning assets | 0.8759% | 7,445 |
| Net interest margin | 3.8108% | 3,657 |
| Noninterest income to average assets | 2.3057% | 311 |
| Noninterest expense to average assets | 3.4019% | 2,676 |
| Loan and lease loss provision to assets | 0.7787% | 2,786 |
| Net operating income to assets | 1.8662% | 314 |
| Return on assets (ROA) | 1.8684% | 318 |
| Pretax return on assets | 1.8684% | 548 |
| Return on Equity (ROE) | 22.1094% | 161 |
| Retained earnings to average equity (ytd only) | 4.7350% | 1,956 |
| Net charge-offs to loans | 2.1157% | 1,150 |
| Credit loss provision to net charge-offs | 84.8786% | 6,165 |
| Earnings coverage of net charge-offs (x) | 2.8830% | 3,648 |
| Efficiency ratio | 56.2589% | 6,980 |
| Assets per employee ($millions) | 6.2812% | 1,093 |
| Cash dividends to net income (ytd only)* | 78.5837% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8021% | 2,539 |
| Loan loss allowance to noncurrent loans | 703.4884% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 7,208 |
| Noncurrent loans to loans | 0.2562% | 6,783 |
| Net loans and leases to total assets | 42.8447% | 7,200 |
| Net loans and leases to deposits | 47.7046% | 7,368 |
| Net loans and leases to core deposits | 49.5817% | 7,594 |
| Total domestic deposits to total assets | 89.8125% | 1,051 |
| Equity capital to assets | 8.0816% | 6,487 |
| Core capital (leverage) ratio | 8.0481% | 6,088 |
| Tier 1 risk-based capital ratio | 14.3784% | 3,275 |
| Total risk-based capital ratio | 15.6283% | 3,226 |
| Memoranda: | ||
| Average total assets | $592,525,200 | 1,166 |
| Average earning assets | $581,687,600 | 1,085 |
| Average equity | $50,073,800 | 1,344 |
| Average total loans | $256,938,200 | 1,854 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7054% | 7,277 |
| Cost of funding earning assets | 0.9078% | 7,541 |
| Net interest margin | 3.7976% | 3,668 |
| Noninterest income to average assets | 2.2225% | 315 |
| Noninterest expense to average assets | 3.4289% | 2,485 |
| Loan and lease loss provision to assets | 0.8114% | 2,342 |
| Net operating income to assets | 1.7122% | 549 |
| Return on assets (ROA) | 1.7151% | 577 |
| Pretax return on assets | 1.7151% | 943 |
| Return on Equity (ROE) | 20.0651% | 310 |
| Retained earnings to average equity (ytd only) | 20.0651% | 67 |
| Net charge-offs to loans | 2.4338% | 756 |
| Credit loss provision to net charge-offs | 77.0110% | 5,833 |
| Earnings coverage of net charge-offs (x) | 2.3951% | 4,036 |
| Efficiency ratio | 57.6042% | 6,773 |
| Assets per employee ($millions) | 6.2539% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7619% | 2,404 |
| Loan loss allowance to noncurrent loans | 833.1522% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 7,326 |
| Noncurrent loans to loans | 0.2115% | 6,969 |
| Net loans and leases to total assets | 41.8396% | 7,373 |
| Net loans and leases to deposits | 50.9484% | 7,365 |
| Net loans and leases to core deposits | 53.8406% | 7,597 |
| Total domestic deposits to total assets | 82.1216% | 4,634 |
| Equity capital to assets | 8.9514% | 5,553 |
| Core capital (leverage) ratio | 8.9274% | 4,769 |
| Tier 1 risk-based capital ratio | 16.2474% | 2,536 |
| Total risk-based capital ratio | 17.4973% | 2,480 |
| Memoranda: | ||
| Average total assets | $586,767,000 | 1,188 |
| Average earning assets | $576,314,500 | 1,107 |
| Average equity | $50,155,500 | 1,361 |
| Average total loans | $254,029,250 | 1,894 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8041% | 7,220 |
| Cost of funding earning assets | 0.9488% | 7,624 |
| Net interest margin | 3.8553% | 3,319 |
| Noninterest income to average assets | 2.1364% | 331 |
| Noninterest expense to average assets | 3.4484% | 2,500 |
| Loan and lease loss provision to assets | 0.9013% | 1,874 |
| Net operating income to assets | 1.5683% | 732 |
| Return on assets (ROA) | 1.5735% | 779 |
| Pretax return on assets | 1.5735% | 1,271 |
| Return on Equity (ROE) | 18.7211% | 427 |
| Retained earnings to average equity (ytd only) | 18.7211% | 95 |
| Net charge-offs to loans | 2.8058% | 585 |
| Credit loss provision to net charge-offs | 73.7751% | 5,345 |
| Earnings coverage of net charge-offs (x) | 2.0215% | 4,078 |
| Efficiency ratio | 58.2695% | 6,821 |
| Assets per employee ($millions) | 6.0787% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8595% | 1,889 |
| Loan loss allowance to noncurrent loans | 755.6619% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 7,326 |
| Noncurrent loans to loans | 0.2461% | 6,895 |
| Net loans and leases to total assets | 40.3299% | 7,531 |
| Net loans and leases to deposits | 48.2826% | 7,554 |
| Net loans and leases to core deposits | 51.2207% | 7,734 |
| Total domestic deposits to total assets | 83.5289% | 4,001 |
| Equity capital to assets | 8.2797% | 6,370 |
| Core capital (leverage) ratio | 8.3333% | 5,734 |
| Tier 1 risk-based capital ratio | 15.4427% | 2,838 |
| Total risk-based capital ratio | 16.6928% | 2,766 |
| Memoranda: | ||
| Average total assets | $578,063,330 | 1,228 |
| Average earning assets | $567,015,000 | 1,145 |
| Average equity | $48,587,000 | 1,422 |
| Average total loans | $251,697,330 | 1,940 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 6,913 |
| Cost of funding earning assets | 0.9793% | 7,703 |
| Net interest margin | 4.0266% | 2,549 |
| Noninterest income to average assets | 2.0500% | 352 |
| Noninterest expense to average assets | 3.5291% | 2,031 |
| Loan and lease loss provision to assets | 0.8975% | 1,458 |
| Net operating income to assets | 1.5646% | 834 |
| Return on assets (ROA) | 1.5754% | 897 |
| Pretax return on assets | 1.5754% | 1,470 |
| Return on Equity (ROE) | 18.5885% | 543 |
| Retained earnings to average equity (ytd only) | 18.5885% | 213 |
| Net charge-offs to loans | 2.9439% | 434 |
| Credit loss provision to net charge-offs | 67.8979% | 4,390 |
| Earnings coverage of net charge-offs (x) | 1.8626% | 3,801 |
| Efficiency ratio | 58.9046% | 6,563 |
| Assets per employee ($millions) | 5.3063% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0447% | 1,331 |
| Loan loss allowance to noncurrent loans | 592.0653% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.1524% | 7,111 |
| Noncurrent loans to loans | 0.3454% | 6,565 |
| Net loans and leases to total assets | 43.2155% | 7,396 |
| Net loans and leases to deposits | 47.6711% | 7,591 |
| Net loans and leases to core deposits | 50.8388% | 7,761 |
| Total domestic deposits to total assets | 90.6534% | 539 |
| Equity capital to assets | 8.4792% | 6,110 |
| Core capital (leverage) ratio | 8.7472% | 5,067 |
| Tier 1 risk-based capital ratio | 14.9280% | 3,107 |
| Total risk-based capital ratio | 16.1780% | 3,035 |
| Memoranda: | ||
| Average total assets | $557,079,500 | 1,274 |
| Average earning assets | $545,272,000 | 1,190 |
| Average equity | $47,212,000 | 1,460 |
| Average total loans | $250,148,000 | 1,966 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6683% | 6,871 |
| Cost of funding earning assets | 1.4516% | 7,679 |
| Net interest margin | 4.2167% | 2,243 |
| Noninterest income to average assets | 2.2855% | 283 |
| Noninterest expense to average assets | 3.7134% | 1,928 |
| Loan and lease loss provision to assets | 1.4914% | 907 |
| Net operating income to assets | 1.1611% | 1,903 |
| Return on assets (ROA) | 1.1611% | 1,831 |
| Pretax return on assets | 1.1611% | 2,803 |
| Return on Equity (ROE) | 12.9780% | 1,331 |
| Retained earnings to average equity (ytd only) | -0.3003% | 5,376 |
| Net charge-offs to loans | 2.6812% | 349 |
| Credit loss provision to net charge-offs | 122.4490% | 4,387 |
| Earnings coverage of net charge-offs (x) | 2.1778% | 4,984 |
| Efficiency ratio | 58.3331% | 6,637 |
| Assets per employee ($millions) | 5.3562% | 1,571 |
| Cash dividends to net income (ytd only)* | 102.3139% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2467% | 905 |
| Loan loss allowance to noncurrent loans | 635.8025% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 6,924 |
| Noncurrent loans to loans | 0.3534% | 6,311 |
| Net loans and leases to total assets | 44.6779% | 7,426 |
| Net loans and leases to deposits | 49.2789% | 7,661 |
| Net loans and leases to core deposits | 50.3747% | 7,880 |
| Total domestic deposits to total assets | 90.6634% | 441 |
| Equity capital to assets | 8.4705% | 6,137 |
| Core capital (leverage) ratio | 8.5402% | 5,499 |
| Tier 1 risk-based capital ratio | 14.5200% | 3,284 |
| Total risk-based capital ratio | 15.7700% | 3,205 |
| Memoranda: | ||
| Average total assets | $547,151,000 | 1,245 |
| Average earning assets | $529,467,600 | 1,167 |
| Average equity | $48,952,200 | 1,393 |
| Average total loans | $248,548,600 | 1,914 |