Home > First Commercial Bank (USA) > Performance and Condition Ratios
First Commercial Bank (USA), Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0606% | 1,106 |
| Cost of funding earning assets | 2.6052% | 709 |
| Net interest margin | 3.4554% | 2,428 |
| Noninterest income to average assets | 0.0400% | 4,325 |
| Noninterest expense to average assets | 1.8799% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.0571% | 2,120 |
| Return on assets (ROA) | 1.0578% | 2,118 |
| Pretax return on assets | 1.5051% | 1,505 |
| Return on Equity (ROE) | 4.8600% | 3,569 |
| Retained earnings to average equity (ytd only) | 4.8559% | 2,606 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 55.5275% | 3,468 |
| Assets per employee ($millions) | 8.2841% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 1,092 |
| Loan loss allowance to noncurrent loans | 581.5774% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 2,453 |
| Noncurrent loans to loans | 0.2532% | 2,595 |
| Net loans and leases to total assets | 82.4000% | 367 |
| Net loans and leases to deposits | 107.8420% | 196 |
| Net loans and leases to core deposits | 189.6713% | 55 |
| Total domestic deposits to total assets | 76.4100% | 3,948 |
| Equity capital to assets | 22.5345% | 234 |
| Core capital (leverage) ratio | 22.5650% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3571% | 217 |
| Memoranda: | ||
| Average total assets | $843,245,500 | 1,189 |
| Average earning assets | $816,814,500 | 1,144 |
| Average equity | $183,693,000 | 632 |
| Average total loans | $687,397,500 | 1,047 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4934% | 714 |
| Cost of funding earning assets | 2.9291% | 563 |
| Net interest margin | 3.5642% | 1,941 |
| Noninterest income to average assets | 0.0400% | 4,385 |
| Noninterest expense to average assets | 1.6857% | 4,102 |
| Loan and lease loss provision to assets | -0.0500% | 4,268 |
| Net operating income to assets | 1.3069% | 1,269 |
| Return on assets (ROA) | 1.3125% | 1,265 |
| Pretax return on assets | 1.8659% | 749 |
| Return on Equity (ROE) | 6.3800% | 3,189 |
| Retained earnings to average equity (ytd only) | 6.3842% | 1,672 |
| Net charge-offs to loans | -0.0003% | 3,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 48.1893% | 4,074 |
| Assets per employee ($millions) | 8.5778% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 1,102 |
| Loan loss allowance to noncurrent loans | 581.5774% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 2,457 |
| Noncurrent loans to loans | 0.2521% | 2,512 |
| Net loans and leases to total assets | 78.3500% | 853 |
| Net loans and leases to deposits | 106.1596% | 251 |
| Net loans and leases to core deposits | 183.9411% | 64 |
| Total domestic deposits to total assets | 73.8000% | 4,066 |
| Equity capital to assets | 21.0737% | 247 |
| Core capital (leverage) ratio | 22.0699% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6775% | 231 |
| Memoranda: | ||
| Average total assets | $861,266,000 | 1,147 |
| Average earning assets | $836,285,800 | 1,101 |
| Average equity | $177,063,200 | 633 |
| Average total loans | $719,653,400 | 987 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5732% | 630 |
| Cost of funding earning assets | 2.9443% | 554 |
| Net interest margin | 3.6289% | 1,786 |
| Noninterest income to average assets | 0.0400% | 4,403 |
| Noninterest expense to average assets | 1.6694% | 4,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.3351% | 1,244 |
| Return on assets (ROA) | 1.3426% | 1,227 |
| Pretax return on assets | 1.9071% | 748 |
| Return on Equity (ROE) | 6.5700% | 3,162 |
| Retained earnings to average equity (ytd only) | 6.5722% | 1,881 |
| Net charge-offs to loans | -0.0004% | 3,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 46.8011% | 4,133 |
| Assets per employee ($millions) | 8.1539% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 1,085 |
| Loan loss allowance to noncurrent loans | 604.6056% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 2,449 |
| Noncurrent loans to loans | 0.2459% | 2,555 |
| Net loans and leases to total assets | 81.2700% | 483 |
| Net loans and leases to deposits | 113.1133% | 131 |
| Net loans and leases to core deposits | 201.3567% | 44 |
| Total domestic deposits to total assets | 71.8400% | 4,175 |
| Equity capital to assets | 21.0161% | 246 |
| Core capital (leverage) ratio | 22.3845% | 188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6655% | 244 |
| Memoranda: | ||
| Average total assets | $859,992,250 | 1,140 |
| Average earning assets | $835,615,000 | 1,102 |
| Average equity | $175,685,500 | 628 |
| Average total loans | $727,342,750 | 976 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5799% | 577 |
| Cost of funding earning assets | 2.9338% | 520 |
| Net interest margin | 3.6461% | 1,699 |
| Noninterest income to average assets | 0.0400% | 4,424 |
| Noninterest expense to average assets | 1.6283% | 4,166 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.3751% | 1,123 |
| Return on assets (ROA) | 1.3749% | 1,136 |
| Pretax return on assets | 1.9529% | 686 |
| Return on Equity (ROE) | 6.8000% | 3,049 |
| Retained earnings to average equity (ytd only) | 6.7952% | 1,718 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 45.4646% | 4,199 |
| Assets per employee ($millions) | 8.5473% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 1,294 |
| Loan loss allowance to noncurrent loans | 556.4388% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 2,317 |
| Noncurrent loans to loans | 0.2558% | 2,461 |
| Net loans and leases to total assets | 84.2400% | 269 |
| Net loans and leases to deposits | 117.6338% | 112 |
| Net loans and leases to core deposits | 212.3135% | 34 |
| Total domestic deposits to total assets | 71.6100% | 4,185 |
| Equity capital to assets | 20.5329% | 265 |
| Core capital (leverage) ratio | 21.7998% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5758% | 246 |
| Memoranda: | ||
| Average total assets | $861,269,333 | 1,146 |
| Average earning assets | $836,791,000 | 1,102 |
| Average equity | $174,270,000 | 637 |
| Average total loans | $734,369,000 | 964 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5855% | 520 |
| Cost of funding earning assets | 2.8892% | 513 |
| Net interest margin | 3.6963% | 1,547 |
| Noninterest income to average assets | 0.0300% | 4,444 |
| Noninterest expense to average assets | 1.6260% | 4,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.4056% | 1,050 |
| Return on assets (ROA) | 1.4056% | 1,053 |
| Pretax return on assets | 1.9952% | 640 |
| Return on Equity (ROE) | 7.0000% | 2,958 |
| Retained earnings to average equity (ytd only) | 6.9985% | 1,836 |
| Net charge-offs to loans | 0.0202% | 1,451 |
| Credit loss provision to net charge-offs | -243.2432% | 4,507 |
| Earnings coverage of net charge-offs (x) | 115.9730% | 619 |
| Efficiency ratio | 44.9024% | 4,216 |
| Assets per employee ($millions) | 8.4915% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4179% | 1,329 |
| Loan loss allowance to noncurrent loans | 542.6357% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 2,236 |
| Noncurrent loans to loans | 0.2613% | 2,385 |
| Net loans and leases to total assets | 85.1200% | 203 |
| Net loans and leases to deposits | 116.6088% | 105 |
| Net loans and leases to core deposits | 207.7744% | 75 |
| Total domestic deposits to total assets | 72.9900% | 4,184 |
| Equity capital to assets | 20.3291% | 275 |
| Core capital (leverage) ratio | 21.5849% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5082% | 276 |
| Memoranda: | ||
| Average total assets | $860,267,500 | 1,146 |
| Average earning assets | $835,652,000 | 1,106 |
| Average equity | $172,779,500 | 641 |
| Average total loans | $732,716,000 | 967 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3391% | 414 |
| Cost of funding earning assets | 2.2714% | 574 |
| Net interest margin | 4.0677% | 1,107 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 1.6882% | 4,145 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.5511% | 936 |
| Return on assets (ROA) | 1.5510% | 903 |
| Pretax return on assets | 2.2060% | 487 |
| Return on Equity (ROE) | 8.0500% | 3,006 |
| Retained earnings to average equity (ytd only) | 8.0469% | 1,522 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 42.2277% | 4,310 |
| Assets per employee ($millions) | 8.6289% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 1,153 |
| Loan loss allowance to noncurrent loans | 530.2894% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 2,055 |
| Noncurrent loans to loans | 0.2764% | 2,189 |
| Net loans and leases to total assets | 82.7800% | 367 |
| Net loans and leases to deposits | 114.7281% | 127 |
| Net loans and leases to core deposits | 200.6585% | 79 |
| Total domestic deposits to total assets | 72.1500% | 4,222 |
| Equity capital to assets | 19.8411% | 288 |
| Core capital (leverage) ratio | 21.8543% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2803% | 270 |
| Memoranda: | ||
| Average total assets | $854,909,400 | 1,126 |
| Average earning assets | $830,797,200 | 1,082 |
| Average equity | $164,783,200 | 625 |
| Average total loans | $715,570,200 | 936 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2813% | 373 |
| Cost of funding earning assets | 2.1277% | 566 |
| Net interest margin | 4.1535% | 984 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 1.6431% | 4,195 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.6198% | 907 |
| Return on assets (ROA) | 1.6197% | 896 |
| Pretax return on assets | 2.3017% | 482 |
| Return on Equity (ROE) | 8.4700% | 3,069 |
| Retained earnings to average equity (ytd only) | 8.4658% | 1,822 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 40.2320% | 4,354 |
| Assets per employee ($millions) | 8.3160% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 1,104 |
| Loan loss allowance to noncurrent loans | 560.7916% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 2,148 |
| Noncurrent loans to loans | 0.2682% | 2,279 |
| Net loans and leases to total assets | 82.0400% | 432 |
| Net loans and leases to deposits | 118.2404% | 94 |
| Net loans and leases to core deposits | 204.8282% | 38 |
| Total domestic deposits to total assets | 69.3900% | 4,340 |
| Equity capital to assets | 19.8427% | 287 |
| Core capital (leverage) ratio | 21.6538% | 218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4198% | 290 |
| Memoranda: | ||
| Average total assets | $852,914,500 | 1,131 |
| Average earning assets | $829,213,750 | 1,085 |
| Average equity | $163,177,250 | 626 |
| Average total loans | $713,231,500 | 941 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1860% | 355 |
| Cost of funding earning assets | 1.9523% | 551 |
| Net interest margin | 4.2337% | 885 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 1.6057% | 4,255 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.6875% | 804 |
| Return on assets (ROA) | 1.6874% | 808 |
| Pretax return on assets | 2.3968% | 403 |
| Return on Equity (ROE) | 8.9300% | 3,002 |
| Retained earnings to average equity (ytd only) | 8.9295% | 1,704 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 38.5350% | 4,429 |
| Assets per employee ($millions) | 8.6425% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 1,448 |
| Loan loss allowance to noncurrent loans | 535.4617% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 2,084 |
| Noncurrent loans to loans | 0.2655% | 2,209 |
| Net loans and leases to total assets | 82.2400% | 399 |
| Net loans and leases to deposits | 120.0562% | 89 |
| Net loans and leases to core deposits | 203.8756% | 41 |
| Total domestic deposits to total assets | 68.5000% | 4,396 |
| Equity capital to assets | 19.3040% | 300 |
| Core capital (leverage) ratio | 20.8608% | 230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1536% | 293 |
| Memoranda: | ||
| Average total assets | $854,475,000 | 1,122 |
| Average earning assets | $831,040,333 | 1,078 |
| Average equity | $161,465,667 | 627 |
| Average total loans | $715,464,333 | 917 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0334% | 302 |
| Cost of funding earning assets | 1.6929% | 583 |
| Net interest margin | 4.3405% | 754 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 1.6330% | 4,266 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.7651% | 721 |
| Return on assets (ROA) | 1.7651% | 716 |
| Pretax return on assets | 2.5099% | 350 |
| Return on Equity (ROE) | 9.4400% | 2,935 |
| Retained earnings to average equity (ytd only) | 9.4394% | 1,826 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 38.1400% | 4,487 |
| Assets per employee ($millions) | 8.8148% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 1,792 |
| Loan loss allowance to noncurrent loans | 513.2982% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 2,022 |
| Noncurrent loans to loans | 0.2641% | 2,199 |
| Net loans and leases to total assets | 82.8000% | 307 |
| Net loans and leases to deposits | 115.8939% | 116 |
| Net loans and leases to core deposits | 189.9866% | 42 |
| Total domestic deposits to total assets | 71.4400% | 4,377 |
| Equity capital to assets | 18.9000% | 267 |
| Core capital (leverage) ratio | 20.5057% | 242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8250% | 318 |
| Memoranda: | ||
| Average total assets | $853,906,500 | 1,136 |
| Average earning assets | $831,234,000 | 1,092 |
| Average equity | $159,670,500 | 649 |
| Average total loans | $716,299,000 | 936 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2428% | 1,171 |
| Cost of funding earning assets | 0.5840% | 966 |
| Net interest margin | 3.6588% | 1,477 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 1.6198% | 4,282 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 1.2540% | 1,588 |
| Return on assets (ROA) | 1.2540% | 1,537 |
| Pretax return on assets | 1.7844% | 766 |
| Return on Equity (ROE) | 6.9200% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.9206% | 2,274 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 44.7772% | 4,403 |
| Assets per employee ($millions) | 8.5278% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 1,805 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 82.7300% | 351 |
| Net loans and leases to deposits | 113.2121% | 120 |
| Net loans and leases to core deposits | 180.1316% | 37 |
| Total domestic deposits to total assets | 73.0700% | 4,387 |
| Equity capital to assets | 18.4971% | 272 |
| Core capital (leverage) ratio | 19.7542% | 263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0759% | 329 |
| Memoranda: | ||
| Average total assets | $839,168,000 | 1,147 |
| Average earning assets | $816,386,000 | 1,088 |
| Average equity | $152,052,800 | 673 |
| Average total loans | $721,729,400 | 882 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7596% | 1,862 |
| Cost of funding earning assets | 0.4118% | 1,216 |
| Net interest margin | 3.3478% | 2,146 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 1.5122% | 4,410 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.1392% | 1,935 |
| Return on assets (ROA) | 1.1392% | 1,907 |
| Pretax return on assets | 1.6205% | 1,068 |
| Return on Equity (ROE) | 6.3200% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.3208% | 2,625 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.6885% | 4,397 |
| Assets per employee ($millions) | 8.5336% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 2,484 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 84.0100% | 241 |
| Net loans and leases to deposits | 112.5569% | 97 |
| Net loans and leases to core deposits | 165.2031% | 41 |
| Total domestic deposits to total assets | 74.6400% | 4,430 |
| Equity capital to assets | 18.0904% | 270 |
| Core capital (leverage) ratio | 18.9549% | 278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8448% | 389 |
| Memoranda: | ||
| Average total assets | $835,766,000 | 1,159 |
| Average earning assets | $813,009,500 | 1,101 |
| Average equity | $150,631,250 | 684 |
| Average total loans | $723,426,500 | 877 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3377% | 2,617 |
| Cost of funding earning assets | 0.2954% | 1,760 |
| Net interest margin | 3.0423% | 2,750 |
| Noninterest income to average assets | 0.0545% | 4,618 |
| Noninterest expense to average assets | 1.4409% | 4,489 |
| Loan and lease loss provision to assets | 0.1350% | 707 |
| Net operating income to assets | 1.0107% | 2,111 |
| Return on assets (ROA) | 1.0107% | 2,084 |
| Pretax return on assets | 1.4373% | 1,339 |
| Return on Equity (ROE) | 5.6151% | 3,676 |
| Retained earnings to average equity (ytd only) | 5.6151% | 2,467 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8205% | 4,355 |
| Assets per employee ($millions) | 9.4795% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 3,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 88.1102% | 42 |
| Net loans and leases to deposits | 123.8547% | 35 |
| Net loans and leases to core deposits | 183.9310% | 30 |
| Total domestic deposits to total assets | 71.1400% | 4,599 |
| Equity capital to assets | 17.7373% | 237 |
| Core capital (leverage) ratio | 18.8652% | 238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2952% | 412 |
| Memoranda: | ||
| Average total assets | $829,902,000 | 1,156 |
| Average earning assets | $807,086,333 | 1,117 |
| Average equity | $149,383,000 | 694 |
| Average total loans | $722,670,333 | 866 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1687% | 2,784 |
| Cost of funding earning assets | 0.2670% | 1,957 |
| Net interest margin | 2.9018% | 2,830 |
| Noninterest income to average assets | 0.0748% | 4,593 |
| Noninterest expense to average assets | 1.4484% | 4,484 |
| Loan and lease loss provision to assets | 0.0391% | 1,656 |
| Net operating income to assets | 0.9904% | 1,915 |
| Return on assets (ROA) | 0.9904% | 1,911 |
| Pretax return on assets | 1.4088% | 1,228 |
| Return on Equity (ROE) | 5.4605% | 3,496 |
| Retained earnings to average equity (ytd only) | 5.4605% | 2,428 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0084% | 4,311 |
| Assets per employee ($millions) | 8.9349% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 3,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 86.5027% | 48 |
| Net loans and leases to deposits | 121.3355% | 33 |
| Net loans and leases to core deposits | 176.1251% | 28 |
| Total domestic deposits to total assets | 71.2922% | 4,641 |
| Equity capital to assets | 18.1691% | 221 |
| Core capital (leverage) ratio | 19.3873% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7658% | 388 |
| Memoranda: | ||
| Average total assets | $818,276,500 | 1,171 |
| Average earning assets | $795,646,000 | 1,133 |
| Average equity | $148,411,500 | 715 |
| Average total loans | $704,041,500 | 875 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1598% | 3,562 |
| Cost of funding earning assets | 0.3268% | 2,146 |
| Net interest margin | 2.8331% | 3,595 |
| Noninterest income to average assets | 0.0497% | 4,727 |
| Noninterest expense to average assets | 1.4471% | 4,590 |
| Loan and lease loss provision to assets | 0.0531% | 1,996 |
| Net operating income to assets | 0.9180% | 2,977 |
| Return on assets (ROA) | 0.9263% | 3,017 |
| Pretax return on assets | 1.3178% | 2,306 |
| Return on Equity (ROE) | 5.0959% | 3,978 |
| Retained earnings to average equity (ytd only) | 5.0959% | 2,749 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5439% | 4,152 |
| Assets per employee ($millions) | 9.5829% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 3,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 83.6832% | 118 |
| Net loans and leases to deposits | 113.5105% | 61 |
| Net loans and leases to core deposits | 162.7787% | 40 |
| Total domestic deposits to total assets | 73.7229% | 4,595 |
| Equity capital to assets | 18.1048% | 254 |
| Core capital (leverage) ratio | 18.9254% | 206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4182% | 378 |
| Memoranda: | ||
| Average total assets | $791,296,600 | 1,173 |
| Average earning assets | $770,294,400 | 1,129 |
| Average equity | $143,842,000 | 745 |
| Average total loans | $686,633,000 | 892 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1566% | 3,686 |
| Cost of funding earning assets | 0.3464% | 2,151 |
| Net interest margin | 2.8102% | 3,758 |
| Noninterest income to average assets | 0.0496% | 4,805 |
| Noninterest expense to average assets | 1.4318% | 4,659 |
| Loan and lease loss provision to assets | 0.0493% | 2,012 |
| Net operating income to assets | 0.9175% | 3,190 |
| Return on assets (ROA) | 0.9287% | 3,231 |
| Pretax return on assets | 1.3206% | 2,572 |
| Return on Equity (ROE) | 5.1034% | 4,099 |
| Retained earnings to average equity (ytd only) | 5.1034% | 3,180 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3640% | 4,090 |
| Assets per employee ($millions) | 9.3298% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 88.3949% | 32 |
| Net loans and leases to deposits | 119.6510% | 41 |
| Net loans and leases to core deposits | 172.1260% | 43 |
| Total domestic deposits to total assets | 73.8773% | 4,644 |
| Equity capital to assets | 18.1583% | 265 |
| Core capital (leverage) ratio | 19.2263% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2022% | 416 |
| Memoranda: | ||
| Average total assets | $785,485,000 | 1,187 |
| Average earning assets | $765,276,000 | 1,138 |
| Average equity | $142,934,750 | 761 |
| Average total loans | $685,969,000 | 909 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1471% | 3,774 |
| Cost of funding earning assets | 0.3737% | 2,100 |
| Net interest margin | 2.7735% | 3,844 |
| Noninterest income to average assets | 0.0549% | 4,828 |
| Noninterest expense to average assets | 1.4100% | 4,711 |
| Loan and lease loss provision to assets | 0.0590% | 1,850 |
| Net operating income to assets | 0.9041% | 3,206 |
| Return on assets (ROA) | 0.9209% | 3,237 |
| Pretax return on assets | 1.3082% | 2,612 |
| Return on Equity (ROE) | 5.0572% | 4,115 |
| Retained earnings to average equity (ytd only) | 5.0572% | 3,162 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1632% | 4,129 |
| Assets per employee ($millions) | 8.8052% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 86.9441% | 59 |
| Net loans and leases to deposits | 122.0047% | 53 |
| Net loans and leases to core deposits | 178.4783% | 44 |
| Total domestic deposits to total assets | 71.2629% | 4,727 |
| Equity capital to assets | 18.1490% | 260 |
| Core capital (leverage) ratio | 19.3888% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2162% | 420 |
| Memoranda: | ||
| Average total assets | $779,859,333 | 1,188 |
| Average earning assets | $759,486,667 | 1,137 |
| Average equity | $142,014,667 | 761 |
| Average total loans | $675,702,000 | 929 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1405% | 3,802 |
| Cost of funding earning assets | 0.3995% | 2,101 |
| Net interest margin | 2.7410% | 3,883 |
| Noninterest income to average assets | 0.0481% | 4,857 |
| Noninterest expense to average assets | 1.4417% | 4,701 |
| Loan and lease loss provision to assets | 0.0517% | 2,069 |
| Net operating income to assets | 0.8622% | 3,229 |
| Return on assets (ROA) | 0.8961% | 3,216 |
| Pretax return on assets | 1.2695% | 2,656 |
| Return on Equity (ROE) | 4.9125% | 4,105 |
| Retained earnings to average equity (ytd only) | 4.9125% | 3,247 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0038% | 3,910 |
| Assets per employee ($millions) | 8.5777% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 3,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 84.8742% | 117 |
| Net loans and leases to deposits | 119.7314% | 69 |
| Net loans and leases to core deposits | 176.1641% | 53 |
| Total domestic deposits to total assets | 70.8871% | 4,748 |
| Equity capital to assets | 18.1838% | 248 |
| Core capital (leverage) ratio | 19.4917% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6665% | 370 |
| Memoranda: | ||
| Average total assets | $773,555,500 | 1,180 |
| Average earning assets | $754,019,000 | 1,134 |
| Average equity | $141,109,500 | 756 |
| Average total loans | $665,320,000 | 929 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5703% | 3,876 |
| Cost of funding earning assets | 0.7411% | 1,504 |
| Net interest margin | 2.8293% | 4,213 |
| Noninterest income to average assets | 0.0666% | 4,835 |
| Noninterest expense to average assets | 1.4866% | 4,789 |
| Loan and lease loss provision to assets | 0.0772% | 3,413 |
| Net operating income to assets | 0.8817% | 2,779 |
| Return on assets (ROA) | 0.8931% | 2,864 |
| Pretax return on assets | 1.2711% | 2,081 |
| Return on Equity (ROE) | 4.7812% | 3,962 |
| Retained earnings to average equity (ytd only) | 4.7812% | 2,380 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7086% | 4,331 |
| Assets per employee ($millions) | 8.4235% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 85.2625% | 119 |
| Net loans and leases to deposits | 122.3412% | 65 |
| Net loans and leases to core deposits | 181.8933% | 53 |
| Total domestic deposits to total assets | 69.6923% | 4,780 |
| Equity capital to assets | 18.3006% | 253 |
| Core capital (leverage) ratio | 19.7480% | 198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0026% | 389 |
| Memoranda: | ||
| Average total assets | $731,717,000 | 1,132 |
| Average earning assets | $712,229,800 | 1,085 |
| Average equity | $136,679,800 | 736 |
| Average total loans | $627,145,400 | 944 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6626% | 3,887 |
| Cost of funding earning assets | 0.8347% | 1,339 |
| Net interest margin | 2.8279% | 4,292 |
| Noninterest income to average assets | 0.0738% | 4,843 |
| Noninterest expense to average assets | 1.4563% | 4,838 |
| Loan and lease loss provision to assets | 0.1006% | 3,063 |
| Net operating income to assets | 0.8882% | 2,745 |
| Return on assets (ROA) | 0.9036% | 2,818 |
| Pretax return on assets | 1.2887% | 2,101 |
| Return on Equity (ROE) | 4.8116% | 3,941 |
| Retained earnings to average equity (ytd only) | 4.8116% | 2,646 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5335% | 4,380 |
| Assets per employee ($millions) | 8.2027% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 2,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 83.2674% | 337 |
| Net loans and leases to deposits | 119.2640% | 119 |
| Net loans and leases to core deposits | 179.6537% | 53 |
| Total domestic deposits to total assets | 69.8177% | 4,763 |
| Equity capital to assets | 18.5657% | 267 |
| Core capital (leverage) ratio | 19.5082% | 220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6562% | 375 |
| Memoranda: | ||
| Average total assets | $723,011,500 | 1,128 |
| Average earning assets | $703,643,500 | 1,084 |
| Average equity | $135,779,500 | 735 |
| Average total loans | $618,731,000 | 946 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7981% | 3,861 |
| Cost of funding earning assets | 0.9547% | 1,134 |
| Net interest margin | 2.8434% | 4,393 |
| Noninterest income to average assets | 0.0831% | 4,827 |
| Noninterest expense to average assets | 1.4541% | 4,876 |
| Loan and lease loss provision to assets | 0.0741% | 3,371 |
| Net operating income to assets | 0.9251% | 2,609 |
| Return on assets (ROA) | 0.9485% | 2,629 |
| Pretax return on assets | 1.3521% | 1,859 |
| Return on Equity (ROE) | 5.0310% | 3,822 |
| Retained earnings to average equity (ytd only) | 5.0310% | 2,459 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0104% | 4,438 |
| Assets per employee ($millions) | 8.0595% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 3,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 85.8268% | 145 |
| Net loans and leases to deposits | 123.6694% | 76 |
| Net loans and leases to core deposits | 185.2790% | 50 |
| Total domestic deposits to total assets | 69.4002% | 4,808 |
| Equity capital to assets | 18.6644% | 256 |
| Core capital (leverage) ratio | 19.7810% | 216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5707% | 422 |
| Memoranda: | ||
| Average total assets | $715,199,333 | 1,123 |
| Average earning assets | $696,145,667 | 1,083 |
| Average equity | $134,845,000 | 731 |
| Average total loans | $615,387,667 | 943 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0470% | 3,662 |
| Cost of funding earning assets | 1.1127% | 1,010 |
| Net interest margin | 2.9343% | 4,376 |
| Noninterest income to average assets | 0.0685% | 4,923 |
| Noninterest expense to average assets | 1.5154% | 4,907 |
| Loan and lease loss provision to assets | -0.1926% | 5,082 |
| Net operating income to assets | 1.1139% | 1,802 |
| Return on assets (ROA) | 1.1613% | 1,766 |
| Pretax return on assets | 1.6666% | 919 |
| Return on Equity (ROE) | 6.1275% | 3,270 |
| Retained earnings to average equity (ytd only) | 6.1275% | 1,827 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7308% | 4,564 |
| Assets per employee ($millions) | 7.8270% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 3,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 84.9324% | 206 |
| Net loans and leases to deposits | 122.3354% | 70 |
| Net loans and leases to core deposits | 176.7642% | 56 |
| Total domestic deposits to total assets | 69.4258% | 4,876 |
| Equity capital to assets | 18.6014% | 317 |
| Core capital (leverage) ratio | 19.7752% | 244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2611% | 427 |
| Memoranda: | ||
| Average total assets | $706,092,500 | 1,109 |
| Average earning assets | $688,403,000 | 1,052 |
| Average equity | $133,824,000 | 728 |
| Average total loans | $604,882,500 | 936 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 2,176 |
| Cost of funding earning assets | 1.2503% | 886 |
| Net interest margin | 3.5071% | 3,427 |
| Noninterest income to average assets | 0.0658% | 4,999 |
| Noninterest expense to average assets | 1.6819% | 4,890 |
| Loan and lease loss provision to assets | 0.0320% | 3,374 |
| Net operating income to assets | 1.2461% | 1,881 |
| Return on assets (ROA) | 1.2461% | 1,965 |
| Pretax return on assets | 1.7732% | 1,014 |
| Return on Equity (ROE) | 5.9634% | 3,931 |
| Retained earnings to average equity (ytd only) | 5.9634% | 1,885 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2327% | 4,824 |
| Assets per employee ($millions) | 7.5229% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 2,801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 84.5519% | 271 |
| Net loans and leases to deposits | 115.9429% | 114 |
| Net loans and leases to core deposits | 166.0587% | 71 |
| Total domestic deposits to total assets | 72.9254% | 4,832 |
| Equity capital to assets | 19.3184% | 278 |
| Core capital (leverage) ratio | 20.4293% | 223 |
| Tier 1 risk-based capital ratio | 24.6236% | 778 |
| Total risk-based capital ratio | 25.8738% | 759 |
| Memoranda: | ||
| Average total assets | $621,483,000 | 1,193 |
| Average earning assets | $606,276,400 | 1,136 |
| Average equity | $129,858,400 | 708 |
| Average total loans | $563,000,600 | 962 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9190% | 1,765 |
| Cost of funding earning assets | 1.2646% | 877 |
| Net interest margin | 3.6544% | 3,077 |
| Noninterest income to average assets | 0.0693% | 5,073 |
| Noninterest expense to average assets | 1.8265% | 4,783 |
| Loan and lease loss provision to assets | -0.0250% | 5,088 |
| Net operating income to assets | 1.2869% | 1,900 |
| Return on assets (ROA) | 1.2869% | 1,984 |
| Pretax return on assets | 1.8314% | 1,013 |
| Return on Equity (ROE) | 6.0284% | 4,039 |
| Retained earnings to average equity (ytd only) | 6.0284% | 2,362 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2765% | 4,726 |
| Assets per employee ($millions) | 6.7627% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 2,943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 90.4417% | 41 |
| Net loans and leases to deposits | 115.6706% | 125 |
| Net loans and leases to core deposits | 161.5153% | 83 |
| Total domestic deposits to total assets | 78.1890% | 4,311 |
| Equity capital to assets | 21.1779% | 212 |
| Core capital (leverage) ratio | 20.8016% | 211 |
| Tier 1 risk-based capital ratio | 26.1887% | 695 |
| Total risk-based capital ratio | 27.4401% | 684 |
| Memoranda: | ||
| Average total assets | $603,828,000 | 1,219 |
| Average earning assets | $588,833,750 | 1,173 |
| Average equity | $128,897,250 | 710 |
| Average total loans | $555,787,250 | 971 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9400% | 1,637 |
| Cost of funding earning assets | 1.2074% | 968 |
| Net interest margin | 3.7326% | 2,823 |
| Noninterest income to average assets | 0.0673% | 5,119 |
| Noninterest expense to average assets | 1.7520% | 4,921 |
| Loan and lease loss provision to assets | 0.0331% | 3,165 |
| Net operating income to assets | 1.3498% | 1,577 |
| Return on assets (ROA) | 1.3498% | 1,642 |
| Pretax return on assets | 1.9213% | 797 |
| Return on Equity (ROE) | 6.3060% | 3,943 |
| Retained earnings to average equity (ytd only) | 6.3060% | 2,138 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2691% | 4,932 |
| Assets per employee ($millions) | 7.0449% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 2,879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 90.2904% | 53 |
| Net loans and leases to deposits | 114.1686% | 143 |
| Net loans and leases to core deposits | 155.9716% | 103 |
| Total domestic deposits to total assets | 79.0851% | 4,199 |
| Equity capital to assets | 20.4988% | 230 |
| Core capital (leverage) ratio | 21.3894% | 181 |
| Tier 1 risk-based capital ratio | 26.0431% | 688 |
| Total risk-based capital ratio | 27.2943% | 672 |
| Memoranda: | ||
| Average total assets | $597,713,330 | 1,231 |
| Average earning assets | $582,750,000 | 1,178 |
| Average equity | $127,942,000 | 710 |
| Average total loans | $551,363,330 | 979 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9776% | 1,392 |
| Cost of funding earning assets | 1.1535% | 1,037 |
| Net interest margin | 3.8241% | 2,439 |
| Noninterest income to average assets | 0.0697% | 5,163 |
| Noninterest expense to average assets | 1.7717% | 4,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4259% | 1,303 |
| Return on assets (ROA) | 1.4259% | 1,331 |
| Pretax return on assets | 2.0278% | 610 |
| Return on Equity (ROE) | 6.5108% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.5108% | 2,245 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6303% | 4,999 |
| Assets per employee ($millions) | 6.5234% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2157% | 2,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 91.5681% | 22 |
| Net loans and leases to deposits | 118.7402% | 95 |
| Net loans and leases to core deposits | 159.4655% | 89 |
| Total domestic deposits to total assets | 77.1163% | 4,641 |
| Equity capital to assets | 22.2986% | 166 |
| Core capital (leverage) ratio | 22.1595% | 169 |
| Tier 1 risk-based capital ratio | 26.4803% | 656 |
| Total risk-based capital ratio | 27.7320% | 646 |
| Memoranda: | ||
| Average total assets | $579,549,500 | 1,258 |
| Average earning assets | $565,257,500 | 1,213 |
| Average equity | $126,927,500 | 714 |
| Average total loans | $537,522,000 | 1,005 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 1,763 |
| Cost of funding earning assets | 0.6848% | 2,179 |
| Net interest margin | 4.0333% | 1,875 |
| Noninterest income to average assets | 0.0578% | 5,253 |
| Noninterest expense to average assets | 1.6864% | 5,107 |
| Loan and lease loss provision to assets | 0.0644% | 2,866 |
| Net operating income to assets | 1.5555% | 977 |
| Return on assets (ROA) | 1.5555% | 970 |
| Pretax return on assets | 2.2357% | 326 |
| Return on Equity (ROE) | 7.0217% | 3,810 |
| Retained earnings to average equity (ytd only) | 7.0217% | 1,663 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3026% | 5,234 |
| Assets per employee ($millions) | 6.9648% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 2,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 91.6948% | 32 |
| Net loans and leases to deposits | 117.4001% | 130 |
| Net loans and leases to core deposits | 151.5260% | 130 |
| Total domestic deposits to total assets | 78.1046% | 4,469 |
| Equity capital to assets | 21.5110% | 181 |
| Core capital (leverage) ratio | 21.2815% | 185 |
| Tier 1 risk-based capital ratio | 25.6186% | 698 |
| Total risk-based capital ratio | 26.8699% | 682 |
| Memoranda: | ||
| Average total assets | $547,976,000 | 1,297 |
| Average earning assets | $533,756,800 | 1,241 |
| Average equity | $121,394,800 | 709 |
| Average total loans | $500,589,600 | 1,045 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 2,034 |
| Cost of funding earning assets | 0.5346% | 2,964 |
| Net interest margin | 4.0461% | 1,803 |
| Noninterest income to average assets | 0.0611% | 5,317 |
| Noninterest expense to average assets | 1.7377% | 5,100 |
| Loan and lease loss provision to assets | 0.1485% | 1,339 |
| Net operating income to assets | 1.4523% | 1,318 |
| Return on assets (ROA) | 1.4523% | 1,319 |
| Pretax return on assets | 2.1139% | 471 |
| Return on Equity (ROE) | 6.5046% | 4,103 |
| Retained earnings to average equity (ytd only) | 6.5046% | 2,383 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4414% | 5,235 |
| Assets per employee ($millions) | 7.5605% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 2,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 88.2176% | 134 |
| Net loans and leases to deposits | 112.9743% | 208 |
| Net loans and leases to core deposits | 146.3345% | 160 |
| Total domestic deposits to total assets | 78.0865% | 4,473 |
| Equity capital to assets | 21.4616% | 180 |
| Core capital (leverage) ratio | 22.6478% | 151 |
| Tier 1 risk-based capital ratio | 24.3119% | 811 |
| Total risk-based capital ratio | 25.5635% | 790 |
| Memoranda: | ||
| Average total assets | $538,709,000 | 1,317 |
| Average earning assets | $524,443,750 | 1,260 |
| Average equity | $120,281,250 | 710 |
| Average total loans | $490,006,000 | 1,069 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4623% | 2,209 |
| Cost of funding earning assets | 0.4422% | 3,410 |
| Net interest margin | 4.0201% | 1,791 |
| Noninterest income to average assets | 0.0585% | 5,379 |
| Noninterest expense to average assets | 1.7439% | 5,155 |
| Loan and lease loss provision to assets | 0.2278% | 709 |
| Net operating income to assets | 1.3745% | 1,526 |
| Return on assets (ROA) | 1.3745% | 1,528 |
| Pretax return on assets | 1.9975% | 608 |
| Return on Equity (ROE) | 6.0703% | 4,206 |
| Retained earnings to average equity (ytd only) | 6.0703% | 2,516 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9353% | 5,285 |
| Assets per employee ($millions) | 7.0803% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 1,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 89.4895% | 82 |
| Net loans and leases to deposits | 116.4422% | 152 |
| Net loans and leases to core deposits | 152.9383% | 104 |
| Total domestic deposits to total assets | 76.8532% | 4,751 |
| Equity capital to assets | 22.7966% | 143 |
| Core capital (leverage) ratio | 23.1581% | 135 |
| Tier 1 risk-based capital ratio | 24.6651% | 767 |
| Total risk-based capital ratio | 25.9171% | 743 |
| Memoranda: | ||
| Average total assets | $526,747,000 | 1,348 |
| Average earning assets | $512,428,000 | 1,288 |
| Average equity | $119,269,330 | 713 |
| Average total loans | $482,138,000 | 1,087 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3121% | 2,467 |
| Cost of funding earning assets | 0.4021% | 3,565 |
| Net interest margin | 3.9100% | 2,009 |
| Noninterest income to average assets | 0.0526% | 5,469 |
| Noninterest expense to average assets | 1.7529% | 5,198 |
| Loan and lease loss provision to assets | -0.0381% | 5,451 |
| Net operating income to assets | 1.4220% | 1,281 |
| Return on assets (ROA) | 1.4220% | 1,285 |
| Pretax return on assets | 2.1418% | 426 |
| Return on Equity (ROE) | 6.3019% | 4,056 |
| Retained earnings to average equity (ytd only) | 6.3019% | 2,583 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4527% | 5,300 |
| Assets per employee ($millions) | 6.9987% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 2,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 91.0347% | 42 |
| Net loans and leases to deposits | 118.2867% | 130 |
| Net loans and leases to core deposits | 160.6310% | 86 |
| Total domestic deposits to total assets | 76.9611% | 4,859 |
| Equity capital to assets | 22.7276% | 143 |
| Core capital (leverage) ratio | 22.7354% | 136 |
| Tier 1 risk-based capital ratio | 25.1491% | 743 |
| Total risk-based capital ratio | 26.4001% | 729 |
| Memoranda: | ||
| Average total assets | $524,609,000 | 1,360 |
| Average earning assets | $510,381,000 | 1,301 |
| Average equity | $118,376,500 | 724 |
| Average total loans | $482,244,000 | 1,092 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9911% | 3,432 |
| Cost of funding earning assets | 0.3816% | 3,414 |
| Net interest margin | 3.6095% | 3,136 |
| Noninterest income to average assets | 0.0594% | 5,511 |
| Noninterest expense to average assets | 1.7306% | 5,300 |
| Loan and lease loss provision to assets | -0.6126% | 5,656 |
| Net operating income to assets | 1.1140% | 1,816 |
| Return on assets (ROA) | 1.1140% | 1,840 |
| Pretax return on assets | 2.4449% | 197 |
| Return on Equity (ROE) | 5.0357% | 4,142 |
| Retained earnings to average equity (ytd only) | 5.0357% | 2,103 |
| Net charge-offs to loans | -0.6876% | 5,620 |
| Credit loss provision to net charge-offs | 97.1840% | 2,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5731% | 5,283 |
| Assets per employee ($millions) | 6.9909% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 90.4918% | 63 |
| Net loans and leases to deposits | 117.1237% | 140 |
| Net loans and leases to core deposits | 159.7980% | 91 |
| Total domestic deposits to total assets | 77.2617% | 4,833 |
| Equity capital to assets | 22.4017% | 142 |
| Core capital (leverage) ratio | 22.4087% | 132 |
| Tier 1 risk-based capital ratio | 24.8258% | 737 |
| Total risk-based capital ratio | 26.0768% | 720 |
| Memoranda: | ||
| Average total assets | $518,309,600 | 1,353 |
| Average earning assets | $503,092,000 | 1,292 |
| Average equity | $114,662,000 | 714 |
| Average total loans | $475,130,800 | 1,078 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9536% | 3,508 |
| Cost of funding earning assets | 0.3778% | 3,391 |
| Net interest margin | 3.5758% | 3,239 |
| Noninterest income to average assets | 0.0611% | 5,579 |
| Noninterest expense to average assets | 1.6950% | 5,373 |
| Loan and lease loss provision to assets | -0.8191% | 5,725 |
| Net operating income to assets | 1.5079% | 879 |
| Return on assets (ROA) | 1.5079% | 908 |
| Pretax return on assets | 2.6549% | 164 |
| Return on Equity (ROE) | 6.8383% | 3,756 |
| Retained earnings to average equity (ytd only) | 6.8383% | 1,777 |
| Net charge-offs to loans | -0.9194% | 5,685 |
| Credit loss provision to net charge-offs | 97.1840% | 2,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0053% | 5,340 |
| Assets per employee ($millions) | 6.9595% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 92.5526% | 22 |
| Net loans and leases to deposits | 120.5069% | 95 |
| Net loans and leases to core deposits | 168.2933% | 73 |
| Total domestic deposits to total assets | 76.8028% | 4,922 |
| Equity capital to assets | 22.8151% | 134 |
| Core capital (leverage) ratio | 21.9609% | 143 |
| Tier 1 risk-based capital ratio | 26.0845% | 669 |
| Total risk-based capital ratio | 27.3363% | 660 |
| Memoranda: | ||
| Average total assets | $516,808,500 | 1,367 |
| Average earning assets | $501,475,750 | 1,302 |
| Average equity | $113,963,750 | 722 |
| Average total loans | $473,769,250 | 1,083 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8093% | 3,856 |
| Cost of funding earning assets | 0.3668% | 3,412 |
| Net interest margin | 3.4426% | 3,623 |
| Noninterest income to average assets | 0.0580% | 5,634 |
| Noninterest expense to average assets | 1.7182% | 5,398 |
| Loan and lease loss provision to assets | 0.0676% | 2,618 |
| Net operating income to assets | 0.9153% | 2,835 |
| Return on assets (ROA) | 0.9153% | 2,888 |
| Pretax return on assets | 1.6138% | 1,302 |
| Return on Equity (ROE) | 4.1991% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.1991% | 3,210 |
| Net charge-offs to loans | 0.0357% | 2,479 |
| Credit loss provision to net charge-offs | 208.3333% | 1,230 |
| Earnings coverage of net charge-offs (x) | 51.7857% | 1,050 |
| Efficiency ratio | 50.5401% | 5,273 |
| Assets per employee ($millions) | 7.1151% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 2,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 92.4637% | 29 |
| Net loans and leases to deposits | 118.0917% | 118 |
| Net loans and leases to core deposits | 161.6311% | 87 |
| Total domestic deposits to total assets | 78.2982% | 4,773 |
| Equity capital to assets | 21.3622% | 168 |
| Core capital (leverage) ratio | 21.5523% | 147 |
| Tier 1 risk-based capital ratio | 25.5030% | 704 |
| Total risk-based capital ratio | 26.7549% | 693 |
| Memoranda: | ||
| Average total assets | $517,411,000 | 1,372 |
| Average earning assets | $502,240,330 | 1,313 |
| Average equity | $112,785,670 | 729 |
| Average total loans | $470,771,330 | 1,092 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7088% | 4,097 |
| Cost of funding earning assets | 0.3657% | 3,360 |
| Net interest margin | 3.3431% | 3,866 |
| Noninterest income to average assets | 0.0518% | 5,725 |
| Noninterest expense to average assets | 1.7852% | 5,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8592% | 2,948 |
| Return on assets (ROA) | 0.8592% | 2,995 |
| Pretax return on assets | 1.5119% | 1,497 |
| Return on Equity (ROE) | 3.9008% | 4,818 |
| Retained earnings to average equity (ytd only) | 3.9008% | 3,500 |
| Net charge-offs to loans | 0.0736% | 1,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 22.9167% | 1,404 |
| Efficiency ratio | 54.1448% | 5,115 |
| Assets per employee ($millions) | 6.8469% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 2,633 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 88.0118% | 105 |
| Net loans and leases to deposits | 113.0061% | 160 |
| Net loans and leases to core deposits | 152.9118% | 98 |
| Total domestic deposits to total assets | 77.8823% | 4,978 |
| Equity capital to assets | 21.6691% | 155 |
| Core capital (leverage) ratio | 21.9392% | 139 |
| Tier 1 risk-based capital ratio | 26.0234% | 686 |
| Total risk-based capital ratio | 27.2754% | 674 |
| Memoranda: | ||
| Average total assets | $509,302,000 | 1,393 |
| Average earning assets | $494,385,500 | 1,331 |
| Average equity | $112,181,000 | 735 |
| Average total loans | $456,393,500 | 1,113 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3440% | 5,091 |
| Cost of funding earning assets | 0.3497% | 3,522 |
| Net interest margin | 2.9943% | 4,970 |
| Noninterest income to average assets | 0.0587% | 5,749 |
| Noninterest expense to average assets | 1.7950% | 5,475 |
| Loan and lease loss provision to assets | -0.0818% | 5,663 |
| Net operating income to assets | 0.6253% | 4,105 |
| Return on assets (ROA) | 0.6253% | 4,221 |
| Pretax return on assets | 1.2429% | 2,500 |
| Return on Equity (ROE) | 2.7845% | 5,217 |
| Retained earnings to average equity (ytd only) | 2.7845% | 3,918 |
| Net charge-offs to loans | 0.1284% | 1,960 |
| Credit loss provision to net charge-offs | -68.8468% | 4,847 |
| Earnings coverage of net charge-offs (x) | 9.7745% | 2,721 |
| Efficiency ratio | 60.7207% | 4,465 |
| Assets per employee ($millions) | 6.3069% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 2,331 |
| Loan loss allowance to noncurrent loans | 110.4916% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.0942% | 1,711 |
| Noncurrent loans to loans | 1.2146% | 1,692 |
| Net loans and leases to total assets | 88.8811% | 102 |
| Net loans and leases to deposits | 114.9424% | 145 |
| Net loans and leases to core deposits | 158.1870% | 87 |
| Total domestic deposits to total assets | 77.3267% | 5,075 |
| Equity capital to assets | 22.3996% | 141 |
| Core capital (leverage) ratio | 22.5455% | 128 |
| Tier 1 risk-based capital ratio | 25.3189% | 740 |
| Total risk-based capital ratio | 26.5707% | 729 |
| Memoranda: | ||
| Average total assets | $489,083,000 | 1,408 |
| Average earning assets | $473,264,600 | 1,335 |
| Average equity | $109,820,600 | 732 |
| Average total loans | $452,430,800 | 1,085 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2470% | 5,288 |
| Cost of funding earning assets | 0.3423% | 3,632 |
| Net interest margin | 2.9047% | 5,184 |
| Noninterest income to average assets | 0.0583% | 5,814 |
| Noninterest expense to average assets | 1.8156% | 5,501 |
| Loan and lease loss provision to assets | 0.0274% | 3,697 |
| Net operating income to assets | 0.5051% | 4,680 |
| Return on assets (ROA) | 0.5051% | 4,778 |
| Pretax return on assets | 1.0233% | 3,537 |
| Return on Equity (ROE) | 2.2479% | 5,425 |
| Retained earnings to average equity (ytd only) | 2.2479% | 4,574 |
| Net charge-offs to loans | 0.2624% | 891 |
| Credit loss provision to net charge-offs | 11.2108% | 3,360 |
| Earnings coverage of net charge-offs (x) | 4.3005% | 3,288 |
| Efficiency ratio | 63.3445% | 4,023 |
| Assets per employee ($millions) | 6.2332% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 2,540 |
| Loan loss allowance to noncurrent loans | 242.4112% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 3,402 |
| Noncurrent loans to loans | 0.5471% | 3,357 |
| Net loans and leases to total assets | 92.6975% | 18 |
| Net loans and leases to deposits | 124.4197% | 77 |
| Net loans and leases to core deposits | 175.2349% | 60 |
| Total domestic deposits to total assets | 74.5039% | 5,383 |
| Equity capital to assets | 22.1317% | 160 |
| Core capital (leverage) ratio | 22.7853% | 127 |
| Tier 1 risk-based capital ratio | 25.7892% | 732 |
| Total risk-based capital ratio | 27.0422% | 714 |
| Memoranda: | ||
| Average total assets | $486,793,250 | 1,416 |
| Average earning assets | $470,582,500 | 1,344 |
| Average equity | $109,374,750 | 734 |
| Average total loans | $453,321,750 | 1,071 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2309% | 5,389 |
| Cost of funding earning assets | 0.3418% | 3,656 |
| Net interest margin | 2.8891% | 5,287 |
| Noninterest income to average assets | 0.0596% | 5,893 |
| Noninterest expense to average assets | 1.8818% | 5,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4498% | 4,871 |
| Return on assets (ROA) | 0.4498% | 4,959 |
| Pretax return on assets | 0.9722% | 3,697 |
| Return on Equity (ROE) | 1.9918% | 5,507 |
| Retained earnings to average equity (ytd only) | 1.9918% | 4,569 |
| Net charge-offs to loans | 0.3993% | 568 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.6223% | 3,248 |
| Efficiency ratio | 65.9361% | 3,690 |
| Assets per employee ($millions) | 5.9813% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 2,420 |
| Loan loss allowance to noncurrent loans | 233.7414% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 3,417 |
| Noncurrent loans to loans | 0.5875% | 3,305 |
| Net loans and leases to total assets | 90.5690% | 53 |
| Net loans and leases to deposits | 117.5508% | 128 |
| Net loans and leases to core deposits | 163.9909% | 79 |
| Total domestic deposits to total assets | 77.0467% | 5,155 |
| Equity capital to assets | 22.6276% | 141 |
| Core capital (leverage) ratio | 22.9356% | 117 |
| Tier 1 risk-based capital ratio | 27.7302% | 611 |
| Total risk-based capital ratio | 28.9847% | 595 |
| Memoranda: | ||
| Average total assets | $482,840,330 | 1,432 |
| Average earning assets | $466,997,000 | 1,364 |
| Average equity | $109,046,330 | 739 |
| Average total loans | $448,278,670 | 1,087 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2765% | 5,363 |
| Cost of funding earning assets | 0.3449% | 3,659 |
| Net interest margin | 2.9316% | 5,258 |
| Noninterest income to average assets | 0.0456% | 5,984 |
| Noninterest expense to average assets | 1.8871% | 5,542 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3494% | 5,150 |
| Return on assets (ROA) | 0.3494% | 5,234 |
| Pretax return on assets | 0.9942% | 3,504 |
| Return on Equity (ROE) | 1.5484% | 5,605 |
| Retained earnings to average equity (ytd only) | 1.5484% | 4,650 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4954% | 3,878 |
| Assets per employee ($millions) | 6.0867% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5651% | 1,732 |
| Loan loss allowance to noncurrent loans | 262.4578% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.6190% | 3,206 |
| Noncurrent loans to loans | 0.5963% | 3,395 |
| Net loans and leases to total assets | 92.7979% | 20 |
| Net loans and leases to deposits | 120.9191% | 92 |
| Net loans and leases to core deposits | 169.5325% | 60 |
| Total domestic deposits to total assets | 76.7438% | 5,326 |
| Equity capital to assets | 22.9516% | 135 |
| Core capital (leverage) ratio | 22.8168% | 122 |
| Tier 1 risk-based capital ratio | 26.8108% | 686 |
| Total risk-based capital ratio | 28.0675% | 672 |
| Memoranda: | ||
| Average total assets | $482,016,000 | 1,433 |
| Average earning assets | $466,232,500 | 1,363 |
| Average equity | $108,755,500 | 744 |
| Average total loans | $449,964,500 | 1,077 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1913% | 5,526 |
| Cost of funding earning assets | 0.3539% | 3,660 |
| Net interest margin | 2.8374% | 5,447 |
| Noninterest income to average assets | 0.1401% | 5,711 |
| Noninterest expense to average assets | 1.8103% | 5,721 |
| Loan and lease loss provision to assets | -0.2275% | 6,015 |
| Net operating income to assets | 0.7381% | 3,631 |
| Return on assets (ROA) | 0.7908% | 3,454 |
| Pretax return on assets | 1.3848% | 1,960 |
| Return on Equity (ROE) | 3.6300% | 5,095 |
| Retained earnings to average equity (ytd only) | 3.6300% | 3,469 |
| Net charge-offs to loans | -0.0066% | 5,026 |
| Credit loss provision to net charge-offs | 3,703.3333% | 104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7422% | 4,487 |
| Assets per employee ($millions) | 6.1933% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 1,806 |
| Loan loss allowance to noncurrent loans | 257.1586% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6136% | 3,227 |
| Noncurrent loans to loans | 0.6022% | 3,367 |
| Net loans and leases to total assets | 91.0233% | 40 |
| Net loans and leases to deposits | 122.8455% | 81 |
| Net loans and leases to core deposits | 175.7462% | 56 |
| Total domestic deposits to total assets | 74.0958% | 5,632 |
| Equity capital to assets | 22.1852% | 139 |
| Core capital (leverage) ratio | 22.5169% | 120 |
| Tier 1 risk-based capital ratio | 25.5484% | 773 |
| Total risk-based capital ratio | 26.8040% | 754 |
| Memoranda: | ||
| Average total assets | $488,364,400 | 1,383 |
| Average earning assets | $472,506,200 | 1,310 |
| Average equity | $106,390,400 | 729 |
| Average total loans | $453,278,000 | 1,019 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0633% | 5,754 |
| Cost of funding earning assets | 0.3554% | 3,691 |
| Net interest margin | 2.7080% | 5,715 |
| Noninterest income to average assets | 0.0639% | 6,061 |
| Noninterest expense to average assets | 1.8276% | 5,741 |
| Loan and lease loss provision to assets | -0.1805% | 6,085 |
| Net operating income to assets | 0.5793% | 4,476 |
| Return on assets (ROA) | 0.6495% | 4,246 |
| Pretax return on assets | 1.1472% | 3,031 |
| Return on Equity (ROE) | 2.9953% | 5,393 |
| Retained earnings to average equity (ytd only) | 2.9953% | 4,313 |
| Net charge-offs to loans | -0.0088% | 4,950 |
| Credit loss provision to net charge-offs | 2,203.3333% | 168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0810% | 3,520 |
| Assets per employee ($millions) | 6.3227% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6460% | 1,622 |
| Loan loss allowance to noncurrent loans | 82.8886% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.8563% | 1,133 |
| Noncurrent loans to loans | 1.9858% | 1,169 |
| Net loans and leases to total assets | 89.1839% | 85 |
| Net loans and leases to deposits | 114.0118% | 168 |
| Net loans and leases to core deposits | 157.7652% | 80 |
| Total domestic deposits to total assets | 78.2234% | 5,148 |
| Equity capital to assets | 21.4367% | 173 |
| Core capital (leverage) ratio | 22.0097% | 137 |
| Tier 1 risk-based capital ratio | 24.6014% | 890 |
| Total risk-based capital ratio | 25.8578% | 876 |
| Memoranda: | ||
| Average total assets | $488,138,500 | 1,384 |
| Average earning assets | $472,370,500 | 1,312 |
| Average equity | $105,851,750 | 734 |
| Average total loans | $453,509,250 | 1,020 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0122% | 5,844 |
| Cost of funding earning assets | 0.3545% | 3,759 |
| Net interest margin | 2.6576% | 5,814 |
| Noninterest income to average assets | 0.0628% | 6,133 |
| Noninterest expense to average assets | 1.8206% | 5,822 |
| Loan and lease loss provision to assets | -0.1239% | 6,110 |
| Net operating income to assets | 0.5127% | 4,714 |
| Return on assets (ROA) | 0.6190% | 4,377 |
| Pretax return on assets | 1.1042% | 3,157 |
| Return on Equity (ROE) | 2.8432% | 5,455 |
| Retained earnings to average equity (ytd only) | 2.8432% | 4,232 |
| Net charge-offs to loans | -0.0132% | 5,019 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0958% | 3,472 |
| Assets per employee ($millions) | 5.9778% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7955% | 1,382 |
| Loan loss allowance to noncurrent loans | 86.3742% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.9263% | 1,163 |
| Noncurrent loans to loans | 2.0787% | 1,159 |
| Net loans and leases to total assets | 88.2882% | 127 |
| Net loans and leases to deposits | 113.5020% | 193 |
| Net loans and leases to core deposits | 162.1357% | 74 |
| Total domestic deposits to total assets | 77.7856% | 5,317 |
| Equity capital to assets | 21.9337% | 157 |
| Core capital (leverage) ratio | 22.0423% | 131 |
| Tier 1 risk-based capital ratio | 26.0791% | 775 |
| Total risk-based capital ratio | 27.3378% | 759 |
| Memoranda: | ||
| Average total assets | $484,353,000 | 1,407 |
| Average earning assets | $468,766,670 | 1,335 |
| Average equity | $105,444,000 | 737 |
| Average total loans | $453,704,330 | 1,022 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9517% | 5,942 |
| Cost of funding earning assets | 0.3428% | 3,954 |
| Net interest margin | 2.6089% | 5,913 |
| Noninterest income to average assets | 0.0743% | 6,164 |
| Noninterest expense to average assets | 1.8265% | 5,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3895% | 5,104 |
| Return on assets (ROA) | 0.6019% | 4,378 |
| Pretax return on assets | 1.1122% | 3,027 |
| Return on Equity (ROE) | 2.7755% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.7755% | 4,289 |
| Net charge-offs to loans | -0.0259% | 5,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0665% | 3,476 |
| Assets per employee ($millions) | 6.0131% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7555% | 1,602 |
| Loan loss allowance to noncurrent loans | 89.1476% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.9258% | 1,256 |
| Noncurrent loans to loans | 1.9692% | 1,333 |
| Net loans and leases to total assets | 93.2524% | 14 |
| Net loans and leases to deposits | 122.5931% | 70 |
| Net loans and leases to core deposits | 176.1718% | 62 |
| Total domestic deposits to total assets | 76.0666% | 5,733 |
| Equity capital to assets | 21.6485% | 163 |
| Core capital (leverage) ratio | 21.0845% | 166 |
| Tier 1 risk-based capital ratio | 25.7238% | 812 |
| Total risk-based capital ratio | 26.9993% | 794 |
| Memoranda: | ||
| Average total assets | $484,427,500 | 1,409 |
| Average earning assets | $470,243,000 | 1,338 |
| Average equity | $105,064,000 | 736 |
| Average total loans | $462,901,000 | 1,001 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6141% | 5,049 |
| Cost of funding earning assets | 0.3271% | 4,525 |
| Net interest margin | 3.2871% | 4,630 |
| Noninterest income to average assets | 0.1148% | 6,105 |
| Noninterest expense to average assets | 1.9479% | 5,861 |
| Loan and lease loss provision to assets | -0.3390% | 6,393 |
| Net operating income to assets | 0.9859% | 2,453 |
| Return on assets (ROA) | 0.9710% | 2,608 |
| Pretax return on assets | 1.6733% | 1,044 |
| Return on Equity (ROE) | 4.5015% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.5015% | 2,969 |
| Net charge-offs to loans | -0.1476% | 6,209 |
| Credit loss provision to net charge-offs | 243.4848% | 1,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9316% | 5,355 |
| Assets per employee ($millions) | 6.0224% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7446% | 1,666 |
| Loan loss allowance to noncurrent loans | 86.4351% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 2.0297% | 1,251 |
| Noncurrent loans to loans | 2.0184% | 1,374 |
| Net loans and leases to total assets | 94.5225% | 6 |
| Net loans and leases to deposits | 128.0706% | 52 |
| Net loans and leases to core deposits | 175.5161% | 59 |
| Total domestic deposits to total assets | 73.8050% | 5,959 |
| Equity capital to assets | 21.7285% | 163 |
| Core capital (leverage) ratio | 20.9565% | 176 |
| Tier 1 risk-based capital ratio | 27.9501% | 616 |
| Total risk-based capital ratio | 29.2131% | 603 |
| Memoranda: | ||
| Average total assets | $474,043,600 | 1,409 |
| Average earning assets | $460,138,200 | 1,333 |
| Average equity | $102,254,200 | 715 |
| Average total loans | $447,238,000 | 985 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6978% | 4,868 |
| Cost of funding earning assets | 0.3270% | 4,594 |
| Net interest margin | 3.3708% | 4,355 |
| Noninterest income to average assets | 0.1613% | 5,946 |
| Noninterest expense to average assets | 1.8857% | 5,978 |
| Loan and lease loss provision to assets | 0.0350% | 3,704 |
| Net operating income to assets | 0.8505% | 3,176 |
| Return on assets (ROA) | 0.8306% | 3,373 |
| Pretax return on assets | 1.4818% | 1,705 |
| Return on Equity (ROE) | 3.8577% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.8577% | 3,908 |
| Net charge-offs to loans | -0.1986% | 6,308 |
| Credit loss provision to net charge-offs | -18.7879% | 5,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9186% | 5,746 |
| Assets per employee ($millions) | 6.0560% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1281% | 1,050 |
| Loan loss allowance to noncurrent loans | 84.3457% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 2.4899% | 1,068 |
| Noncurrent loans to loans | 2.5230% | 1,155 |
| Net loans and leases to total assets | 93.1910% | 14 |
| Net loans and leases to deposits | 125.4704% | 63 |
| Net loans and leases to core deposits | 172.0132% | 59 |
| Total domestic deposits to total assets | 74.2733% | 5,996 |
| Equity capital to assets | 21.2699% | 185 |
| Core capital (leverage) ratio | 20.8778% | 174 |
| Tier 1 risk-based capital ratio | 27.5215% | 673 |
| Total risk-based capital ratio | 28.7908% | 654 |
| Memoranda: | ||
| Average total assets | $472,106,750 | 1,428 |
| Average earning assets | $458,313,500 | 1,349 |
| Average equity | $101,646,250 | 715 |
| Average total loans | $443,175,750 | 1,000 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9816% | 3,805 |
| Cost of funding earning assets | 0.3258% | 4,691 |
| Net interest margin | 3.6559% | 3,118 |
| Noninterest income to average assets | 0.2107% | 5,693 |
| Noninterest expense to average assets | 1.8727% | 6,041 |
| Loan and lease loss provision to assets | 0.0568% | 3,158 |
| Net operating income to assets | 1.0006% | 2,323 |
| Return on assets (ROA) | 0.9705% | 2,535 |
| Pretax return on assets | 1.7881% | 864 |
| Return on Equity (ROE) | 4.4891% | 4,925 |
| Retained earnings to average equity (ytd only) | 4.4891% | 3,319 |
| Net charge-offs to loans | -0.3020% | 6,434 |
| Credit loss provision to net charge-offs | -20.1515% | 5,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7446% | 6,182 |
| Assets per employee ($millions) | 5.7455% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2535% | 948 |
| Loan loss allowance to noncurrent loans | 82.4467% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 2.6852% | 998 |
| Noncurrent loans to loans | 2.7333% | 1,106 |
| Net loans and leases to total assets | 92.7269% | 17 |
| Net loans and leases to deposits | 119.7576% | 89 |
| Net loans and leases to core deposits | 164.2690% | 70 |
| Total domestic deposits to total assets | 77.4288% | 5,732 |
| Equity capital to assets | 22.2738% | 138 |
| Core capital (leverage) ratio | 20.9895% | 164 |
| Tier 1 risk-based capital ratio | 28.0998% | 639 |
| Total risk-based capital ratio | 29.3700% | 624 |
| Memoranda: | ||
| Average total assets | $467,983,000 | 1,437 |
| Average earning assets | $454,940,670 | 1,349 |
| Average equity | $101,179,000 | 717 |
| Average total loans | $437,132,000 | 1,008 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3402% | 5,770 |
| Cost of funding earning assets | 0.3240% | 4,807 |
| Net interest margin | 3.0162% | 5,485 |
| Noninterest income to average assets | 0.2558% | 5,310 |
| Noninterest expense to average assets | 1.7935% | 6,230 |
| Loan and lease loss provision to assets | -0.2186% | 6,579 |
| Net operating income to assets | 0.8043% | 3,133 |
| Return on assets (ROA) | 0.7447% | 3,540 |
| Pretax return on assets | 1.5292% | 1,342 |
| Return on Equity (ROE) | 3.4958% | 5,270 |
| Retained earnings to average equity (ytd only) | 3.4958% | 4,035 |
| Net charge-offs to loans | -0.2321% | 6,424 |
| Credit loss provision to net charge-offs | 101.5748% | 1,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0943% | 5,830 |
| Assets per employee ($millions) | 5.8858% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0939% | 1,335 |
| Loan loss allowance to noncurrent loans | 67.2902% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 2.9769% | 965 |
| Noncurrent loans to loans | 3.1118% | 1,006 |
| Net loans and leases to total assets | 90.7933% | 35 |
| Net loans and leases to deposits | 116.3601% | 95 |
| Net loans and leases to core deposits | 161.0546% | 71 |
| Total domestic deposits to total assets | 78.0279% | 5,835 |
| Equity capital to assets | 21.7188% | 155 |
| Core capital (leverage) ratio | 20.3458% | 190 |
| Tier 1 risk-based capital ratio | 27.1668% | 705 |
| Total risk-based capital ratio | 28.4336% | 688 |
| Memoranda: | ||
| Average total assets | $472,155,000 | 1,424 |
| Average earning assets | $460,452,000 | 1,340 |
| Average equity | $100,579,000 | 721 |
| Average total loans | $437,680,500 | 1,011 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0663% | 6,274 |
| Cost of funding earning assets | 0.3738% | 4,906 |
| Net interest margin | 2.6924% | 6,150 |
| Noninterest income to average assets | 0.0379% | 6,581 |
| Noninterest expense to average assets | 1.7521% | 6,386 |
| Loan and lease loss provision to assets | 0.0975% | 3,176 |
| Net operating income to assets | 0.4723% | 4,859 |
| Return on assets (ROA) | 0.4415% | 5,112 |
| Pretax return on assets | 0.7540% | 4,323 |
| Return on Equity (ROE) | 2.1493% | 5,783 |
| Retained earnings to average equity (ytd only) | 2.1493% | 4,714 |
| Net charge-offs to loans | -0.0382% | 6,275 |
| Credit loss provision to net charge-offs | -284.8485% | 6,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0749% | 4,543 |
| Assets per employee ($millions) | 6.0675% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0337% | 1,481 |
| Loan loss allowance to noncurrent loans | 54.7123% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 3.5328% | 825 |
| Noncurrent loans to loans | 3.7171% | 808 |
| Net loans and leases to total assets | 90.7785% | 35 |
| Net loans and leases to deposits | 115.1164% | 109 |
| Net loans and leases to core deposits | 158.8923% | 73 |
| Total domestic deposits to total assets | 78.8580% | 5,679 |
| Equity capital to assets | 20.8979% | 167 |
| Core capital (leverage) ratio | 19.9370% | 205 |
| Tier 1 risk-based capital ratio | 25.5547% | 809 |
| Total risk-based capital ratio | 26.8198% | 796 |
| Memoranda: | ||
| Average total assets | $482,234,800 | 1,376 |
| Average earning assets | $468,126,400 | 1,299 |
| Average equity | $99,057,800 | 713 |
| Average total loans | $431,564,000 | 988 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0256% | 6,402 |
| Cost of funding earning assets | 0.3862% | 4,937 |
| Net interest margin | 2.6393% | 6,263 |
| Noninterest income to average assets | 0.0933% | 6,499 |
| Noninterest expense to average assets | 1.7517% | 6,407 |
| Loan and lease loss provision to assets | 0.1215% | 2,776 |
| Net operating income to assets | 0.4576% | 4,995 |
| Return on assets (ROA) | 0.4563% | 5,140 |
| Pretax return on assets | 0.7782% | 4,387 |
| Return on Equity (ROE) | 2.2312% | 5,867 |
| Retained earnings to average equity (ytd only) | 2.2312% | 4,982 |
| Net charge-offs to loans | -0.0501% | 6,310 |
| Credit loss provision to net charge-offs | -273.2919% | 5,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0181% | 4,475 |
| Assets per employee ($millions) | 6.2621% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9997% | 1,718 |
| Loan loss allowance to noncurrent loans | 53.1636% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 3.7058% | 889 |
| Noncurrent loans to loans | 3.7615% | 977 |
| Net loans and leases to total assets | 89.1453% | 55 |
| Net loans and leases to deposits | 117.9459% | 83 |
| Net loans and leases to core deposits | 162.3579% | 71 |
| Total domestic deposits to total assets | 75.5815% | 6,212 |
| Equity capital to assets | 20.1238% | 209 |
| Core capital (leverage) ratio | 20.0647% | 200 |
| Tier 1 risk-based capital ratio | 24.7553% | 902 |
| Total risk-based capital ratio | 26.0195% | 886 |
| Memoranda: | ||
| Average total assets | $482,959,750 | 1,381 |
| Average earning assets | $468,442,500 | 1,310 |
| Average equity | $98,779,500 | 724 |
| Average total loans | $428,413,500 | 1,001 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0464% | 6,398 |
| Cost of funding earning assets | 0.3999% | 4,950 |
| Net interest margin | 2.6464% | 6,276 |
| Noninterest income to average assets | 0.0956% | 6,543 |
| Noninterest expense to average assets | 1.7777% | 6,409 |
| Loan and lease loss provision to assets | 0.1904% | 1,986 |
| Net operating income to assets | 0.4068% | 5,190 |
| Return on assets (ROA) | 0.4050% | 5,367 |
| Pretax return on assets | 0.6885% | 4,719 |
| Return on Equity (ROE) | 1.9691% | 5,966 |
| Retained earnings to average equity (ytd only) | 1.9691% | 5,019 |
| Net charge-offs to loans | -0.0052% | 5,643 |
| Credit loss provision to net charge-offs | -4,145.4545% | 6,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8446% | 4,387 |
| Assets per employee ($millions) | 6.2792% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0382% | 1,771 |
| Loan loss allowance to noncurrent loans | 51.2102% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 3.8711% | 923 |
| Noncurrent loans to loans | 3.9800% | 981 |
| Net loans and leases to total assets | 88.1239% | 87 |
| Net loans and leases to deposits | 111.1772% | 122 |
| Net loans and leases to core deposits | 152.6122% | 88 |
| Total domestic deposits to total assets | 79.2644% | 5,760 |
| Equity capital to assets | 20.4642% | 186 |
| Core capital (leverage) ratio | 20.2101% | 184 |
| Tier 1 risk-based capital ratio | 26.5212% | 729 |
| Total risk-based capital ratio | 27.7871% | 713 |
| Memoranda: | ||
| Average total assets | $479,044,000 | 1,391 |
| Average earning assets | $464,094,000 | 1,316 |
| Average equity | $98,521,330 | 726 |
| Average total loans | $421,215,670 | 1,012 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0727% | 6,426 |
| Cost of funding earning assets | 0.4139% | 4,976 |
| Net interest margin | 2.6588% | 6,286 |
| Noninterest income to average assets | 0.0931% | 6,600 |
| Noninterest expense to average assets | 1.7248% | 6,530 |
| Loan and lease loss provision to assets | 0.3381% | 990 |
| Net operating income to assets | 0.3481% | 5,361 |
| Return on assets (ROA) | 0.3481% | 5,503 |
| Pretax return on assets | 0.6007% | 4,942 |
| Return on Equity (ROE) | 1.6885% | 6,034 |
| Retained earnings to average equity (ytd only) | 1.6885% | 5,140 |
| Net charge-offs to loans | -0.0068% | 5,334 |
| Credit loss provision to net charge-offs | -5,757.1429% | 5,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7559% | 4,871 |
| Assets per employee ($millions) | 6.4861% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1119% | 1,768 |
| Loan loss allowance to noncurrent loans | 58.1732% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 3.4475% | 1,237 |
| Noncurrent loans to loans | 3.6304% | 1,307 |
| Net loans and leases to total assets | 85.0588% | 160 |
| Net loans and leases to deposits | 107.5077% | 168 |
| Net loans and leases to core deposits | 147.5757% | 103 |
| Total domestic deposits to total assets | 79.1188% | 5,939 |
| Equity capital to assets | 20.5364% | 199 |
| Core capital (leverage) ratio | 19.9840% | 194 |
| Tier 1 risk-based capital ratio | 26.9031% | 718 |
| Total risk-based capital ratio | 28.1690% | 704 |
| Memoranda: | ||
| Average total assets | $476,815,000 | 1,409 |
| Average earning assets | $460,963,500 | 1,330 |
| Average equity | $98,309,500 | 738 |
| Average total loans | $414,350,500 | 1,034 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7092% | 6,028 |
| Cost of funding earning assets | 0.5040% | 5,193 |
| Net interest margin | 3.2052% | 5,558 |
| Noninterest income to average assets | 0.0783% | 6,592 |
| Noninterest expense to average assets | 1.6905% | 6,731 |
| Loan and lease loss provision to assets | 0.5436% | 1,056 |
| Net operating income to assets | 0.5063% | 4,662 |
| Return on assets (ROA) | 0.5072% | 4,919 |
| Pretax return on assets | 0.9283% | 3,817 |
| Return on Equity (ROE) | 2.5268% | 5,741 |
| Retained earnings to average equity (ytd only) | 2.5268% | 4,448 |
| Net charge-offs to loans | 0.9125% | 1,242 |
| Credit loss provision to net charge-offs | 65.9420% | 4,288 |
| Earnings coverage of net charge-offs (x) | 1.7836% | 4,541 |
| Efficiency ratio | 53.4802% | 6,323 |
| Assets per employee ($millions) | 6.3155% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0401% | 1,914 |
| Loan loss allowance to noncurrent loans | 49.1341% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 3.9053% | 1,113 |
| Noncurrent loans to loans | 4.1522% | 1,099 |
| Net loans and leases to total assets | 85.1324% | 166 |
| Net loans and leases to deposits | 107.7983% | 190 |
| Net loans and leases to core deposits | 149.2984% | 107 |
| Total domestic deposits to total assets | 78.9738% | 5,897 |
| Equity capital to assets | 20.7006% | 197 |
| Core capital (leverage) ratio | 19.4546% | 214 |
| Tier 1 risk-based capital ratio | 26.6737% | 718 |
| Total risk-based capital ratio | 27.9385% | 706 |
| Memoranda: | ||
| Average total assets | $485,424,400 | 1,371 |
| Average earning assets | $466,861,400 | 1,309 |
| Average equity | $97,437,000 | 727 |
| Average total loans | $438,556,400 | 952 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8758% | 5,842 |
| Cost of funding earning assets | 0.5184% | 5,319 |
| Net interest margin | 3.3574% | 5,191 |
| Noninterest income to average assets | 0.0759% | 6,710 |
| Noninterest expense to average assets | 1.6424% | 6,838 |
| Loan and lease loss provision to assets | 0.0767% | 4,680 |
| Net operating income to assets | 0.9176% | 2,896 |
| Return on assets (ROA) | 0.9176% | 3,119 |
| Pretax return on assets | 1.5821% | 1,637 |
| Return on Equity (ROE) | 4.6064% | 5,000 |
| Retained earnings to average equity (ytd only) | 4.6064% | 3,660 |
| Net charge-offs to loans | 0.1252% | 4,124 |
| Credit loss provision to net charge-offs | 67.2249% | 3,970 |
| Earnings coverage of net charge-offs (x) | 14.5359% | 1,828 |
| Efficiency ratio | 49.7519% | 6,606 |
| Assets per employee ($millions) | 6.5621% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2052% | 1,695 |
| Loan loss allowance to noncurrent loans | 121.2576% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 2.0652% | 2,569 |
| Noncurrent loans to loans | 1.8186% | 3,050 |
| Net loans and leases to total assets | 89.0853% | 69 |
| Net loans and leases to deposits | 112.7481% | 122 |
| Net loans and leases to core deposits | 156.9721% | 90 |
| Total domestic deposits to total assets | 79.0126% | 5,866 |
| Equity capital to assets | 20.6987% | 216 |
| Core capital (leverage) ratio | 19.4076% | 230 |
| Tier 1 risk-based capital ratio | 24.9163% | 914 |
| Total risk-based capital ratio | 26.1827% | 905 |
| Memoranda: | ||
| Average total assets | $488,365,000 | 1,378 |
| Average earning assets | $469,154,750 | 1,315 |
| Average equity | $97,283,500 | 733 |
| Average total loans | $445,286,000 | 934 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9145% | 5,876 |
| Cost of funding earning assets | 0.5366% | 5,395 |
| Net interest margin | 3.3779% | 5,177 |
| Noninterest income to average assets | 0.1298% | 6,537 |
| Noninterest expense to average assets | 1.6469% | 6,884 |
| Loan and lease loss provision to assets | 0.0737% | 4,704 |
| Net operating income to assets | 0.9571% | 2,628 |
| Return on assets (ROA) | 0.9571% | 2,876 |
| Pretax return on assets | 1.6522% | 1,393 |
| Return on Equity (ROE) | 4.8665% | 4,866 |
| Retained earnings to average equity (ytd only) | 4.8665% | 3,358 |
| Net charge-offs to loans | 0.1959% | 3,409 |
| Credit loss provision to net charge-offs | 41.2301% | 4,238 |
| Earnings coverage of net charge-offs (x) | 9.6606% | 2,145 |
| Efficiency ratio | 48.8296% | 6,723 |
| Assets per employee ($millions) | 6.4664% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1188% | 1,951 |
| Loan loss allowance to noncurrent loans | 114.9528% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 2.1402% | 2,620 |
| Noncurrent loans to loans | 1.8432% | 3,159 |
| Net loans and leases to total assets | 89.3215% | 52 |
| Net loans and leases to deposits | 111.9180% | 127 |
| Net loans and leases to core deposits | 154.6031% | 98 |
| Total domestic deposits to total assets | 79.8097% | 5,790 |
| Equity capital to assets | 19.9337% | 242 |
| Core capital (leverage) ratio | 19.0283% | 241 |
| Tier 1 risk-based capital ratio | 23.7277% | 1,051 |
| Total risk-based capital ratio | 24.9871% | 1,030 |
| Memoranda: | ||
| Average total assets | $491,476,330 | 1,370 |
| Average earning assets | $471,831,670 | 1,313 |
| Average equity | $96,660,330 | 737 |
| Average total loans | $448,258,330 | 926 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9899% | 5,795 |
| Cost of funding earning assets | 0.5751% | 5,318 |
| Net interest margin | 3.4148% | 5,058 |
| Noninterest income to average assets | 0.1001% | 6,747 |
| Noninterest expense to average assets | 1.7001% | 6,903 |
| Loan and lease loss provision to assets | 0.0635% | 4,630 |
| Net operating income to assets | 0.9416% | 2,736 |
| Return on assets (ROA) | 0.9416% | 2,946 |
| Pretax return on assets | 1.6179% | 1,513 |
| Return on Equity (ROE) | 4.8204% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.8204% | 3,660 |
| Net charge-offs to loans | -0.3811% | 7,108 |
| Credit loss provision to net charge-offs | -18.2670% | 5,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2768% | 6,656 |
| Assets per employee ($millions) | 6.2080% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2647% | 1,751 |
| Loan loss allowance to noncurrent loans | 165.3512% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 1.7494% | 3,240 |
| Noncurrent loans to loans | 1.3696% | 4,062 |
| Net loans and leases to total assets | 89.2006% | 53 |
| Net loans and leases to deposits | 111.2340% | 123 |
| Net loans and leases to core deposits | 154.7266% | 98 |
| Total domestic deposits to total assets | 80.1918% | 5,811 |
| Equity capital to assets | 19.4919% | 242 |
| Core capital (leverage) ratio | 18.6263% | 259 |
| Tier 1 risk-based capital ratio | 23.4278% | 1,076 |
| Total risk-based capital ratio | 24.6860% | 1,058 |
| Memoranda: | ||
| Average total assets | $491,492,000 | 1,370 |
| Average earning assets | $472,292,500 | 1,318 |
| Average equity | $96,009,000 | 739 |
| Average total loans | $448,153,500 | 924 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1346% | 6,216 |
| Cost of funding earning assets | 0.7134% | 5,446 |
| Net interest margin | 3.4212% | 5,424 |
| Noninterest income to average assets | 0.1333% | 6,488 |
| Noninterest expense to average assets | 1.7247% | 7,039 |
| Loan and lease loss provision to assets | 0.3356% | 3,010 |
| Net operating income to assets | 0.7967% | 3,052 |
| Return on assets (ROA) | 0.7974% | 3,215 |
| Pretax return on assets | 1.3659% | 1,895 |
| Return on Equity (ROE) | 4.0449% | 4,824 |
| Retained earnings to average equity (ytd only) | 4.0449% | 3,311 |
| Net charge-offs to loans | 0.1839% | 4,673 |
| Credit loss provision to net charge-offs | 206.3554% | 1,206 |
| Earnings coverage of net charge-offs (x) | 10.4553% | 1,837 |
| Efficiency ratio | 50.3541% | 6,810 |
| Assets per employee ($millions) | 6.3993% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2030% | 1,795 |
| Loan loss allowance to noncurrent loans | 79.5177% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 3.0267% | 1,983 |
| Noncurrent loans to loans | 2.7704% | 2,363 |
| Net loans and leases to total assets | 89.0884% | 56 |
| Net loans and leases to deposits | 111.2244% | 157 |
| Net loans and leases to core deposits | 153.9597% | 122 |
| Total domestic deposits to total assets | 80.0979% | 5,717 |
| Equity capital to assets | 19.5774% | 252 |
| Core capital (leverage) ratio | 18.5195% | 270 |
| Tier 1 risk-based capital ratio | 23.0361% | 1,096 |
| Total risk-based capital ratio | 24.3015% | 1,080 |
| Memoranda: | ||
| Average total assets | $474,058,800 | 1,396 |
| Average earning assets | $456,125,000 | 1,338 |
| Average equity | $93,452,000 | 732 |
| Average total loans | $419,198,200 | 1,002 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1228% | 6,360 |
| Cost of funding earning assets | 0.7293% | 5,599 |
| Net interest margin | 3.3935% | 5,600 |
| Noninterest income to average assets | 0.1384% | 6,558 |
| Noninterest expense to average assets | 1.7410% | 7,053 |
| Loan and lease loss provision to assets | 0.3850% | 2,547 |
| Net operating income to assets | 0.7467% | 3,395 |
| Return on assets (ROA) | 0.7476% | 3,555 |
| Pretax return on assets | 1.2832% | 2,351 |
| Return on Equity (ROE) | 3.7858% | 5,085 |
| Retained earnings to average equity (ytd only) | 3.7858% | 4,044 |
| Net charge-offs to loans | 0.2342% | 3,961 |
| Credit loss provision to net charge-offs | 187.3278% | 1,567 |
| Earnings coverage of net charge-offs (x) | 8.1102% | 2,235 |
| Efficiency ratio | 51.0882% | 6,761 |
| Assets per employee ($millions) | 6.3696% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2723% | 1,731 |
| Loan loss allowance to noncurrent loans | 95.4826% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 2.5974% | 2,486 |
| Noncurrent loans to loans | 2.3798% | 2,914 |
| Net loans and leases to total assets | 85.0663% | 158 |
| Net loans and leases to deposits | 106.0266% | 250 |
| Net loans and leases to core deposits | 139.9282% | 181 |
| Total domestic deposits to total assets | 80.2310% | 5,666 |
| Equity capital to assets | 19.4544% | 284 |
| Core capital (leverage) ratio | 18.5186% | 286 |
| Tier 1 risk-based capital ratio | 24.1410% | 998 |
| Total risk-based capital ratio | 25.4077% | 980 |
| Memoranda: | ||
| Average total assets | $470,987,000 | 1,415 |
| Average earning assets | $453,758,500 | 1,350 |
| Average equity | $93,011,500 | 739 |
| Average total loans | $413,238,250 | 1,027 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1116% | 6,469 |
| Cost of funding earning assets | 0.7364% | 5,754 |
| Net interest margin | 3.3752% | 5,625 |
| Noninterest income to average assets | 0.1487% | 6,582 |
| Noninterest expense to average assets | 1.7719% | 7,108 |
| Loan and lease loss provision to assets | 0.4513% | 2,162 |
| Net operating income to assets | 0.6869% | 3,621 |
| Return on assets (ROA) | 0.6866% | 3,737 |
| Pretax return on assets | 1.1821% | 2,551 |
| Return on Equity (ROE) | 3.4592% | 5,185 |
| Retained earnings to average equity (ytd only) | 3.4592% | 4,047 |
| Net charge-offs to loans | 0.2231% | 3,786 |
| Credit loss provision to net charge-offs | 229.9127% | 1,311 |
| Earnings coverage of net charge-offs (x) | 8.3231% | 2,078 |
| Efficiency ratio | 52.0262% | 6,783 |
| Assets per employee ($millions) | 6.3622% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2666% | 1,801 |
| Loan loss allowance to noncurrent loans | 75.4072% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 3.0862% | 2,173 |
| Noncurrent loans to loans | 3.0059% | 2,417 |
| Net loans and leases to total assets | 86.1706% | 130 |
| Net loans and leases to deposits | 107.5004% | 228 |
| Net loans and leases to core deposits | 144.4942% | 163 |
| Total domestic deposits to total assets | 80.1584% | 5,783 |
| Equity capital to assets | 19.5856% | 283 |
| Core capital (leverage) ratio | 18.5930% | 295 |
| Tier 1 risk-based capital ratio | 23.5733% | 1,051 |
| Total risk-based capital ratio | 24.8396% | 1,035 |
| Memoranda: | ||
| Average total assets | $466,618,670 | 1,436 |
| Average earning assets | $450,284,670 | 1,359 |
| Average equity | $92,623,000 | 738 |
| Average total loans | $410,526,330 | 1,047 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1378% | 6,426 |
| Cost of funding earning assets | 0.7401% | 5,925 |
| Net interest margin | 3.3978% | 5,436 |
| Noninterest income to average assets | 0.1864% | 6,388 |
| Noninterest expense to average assets | 1.8346% | 7,095 |
| Loan and lease loss provision to assets | 0.6962% | 1,212 |
| Net operating income to assets | 0.5442% | 4,296 |
| Return on assets (ROA) | 0.5436% | 4,380 |
| Pretax return on assets | 0.9269% | 3,409 |
| Return on Equity (ROE) | 2.7200% | 5,509 |
| Retained earnings to average equity (ytd only) | 2.7200% | 4,542 |
| Net charge-offs to loans | 0.2023% | 3,295 |
| Credit loss provision to net charge-offs | 391.7073% | 853 |
| Earnings coverage of net charge-offs (x) | 9.1366% | 1,758 |
| Efficiency ratio | 53.0459% | 6,778 |
| Assets per employee ($millions) | 6.4565% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3144% | 1,738 |
| Loan loss allowance to noncurrent loans | 72.9205% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 3.2165% | 2,136 |
| Noncurrent loans to loans | 3.1739% | 2,369 |
| Net loans and leases to total assets | 85.4143% | 162 |
| Net loans and leases to deposits | 108.1147% | 213 |
| Net loans and leases to core deposits | 148.4496% | 155 |
| Total domestic deposits to total assets | 79.0034% | 6,188 |
| Equity capital to assets | 19.6317% | 274 |
| Core capital (leverage) ratio | 18.7613% | 282 |
| Tier 1 risk-based capital ratio | 23.7322% | 1,000 |
| Total risk-based capital ratio | 24.9989% | 977 |
| Memoranda: | ||
| Average total assets | $461,346,500 | 1,460 |
| Average earning assets | $444,292,500 | 1,390 |
| Average equity | $92,207,000 | 735 |
| Average total loans | $405,434,500 | 1,076 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5607% | 6,214 |
| Cost of funding earning assets | 0.9112% | 6,127 |
| Net interest margin | 3.6495% | 4,573 |
| Noninterest income to average assets | 0.1160% | 6,827 |
| Noninterest expense to average assets | 1.8066% | 7,256 |
| Loan and lease loss provision to assets | 0.4472% | 3,444 |
| Net operating income to assets | 0.7938% | 2,833 |
| Return on assets (ROA) | 0.7948% | 2,963 |
| Pretax return on assets | 1.3548% | 1,783 |
| Return on Equity (ROE) | 4.8259% | 4,145 |
| Retained earnings to average equity (ytd only) | 4.8259% | 2,524 |
| Net charge-offs to loans | 0.3410% | 4,307 |
| Credit loss provision to net charge-offs | 151.0128% | 2,387 |
| Earnings coverage of net charge-offs (x) | 6.0803% | 2,445 |
| Efficiency ratio | 50.0862% | 7,120 |
| Assets per employee ($millions) | 6.0996% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2420% | 1,789 |
| Loan loss allowance to noncurrent loans | 74.2032% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 3.9141% | 1,741 |
| Noncurrent loans to loans | 3.0214% | 2,528 |
| Net loans and leases to total assets | 86.3623% | 171 |
| Net loans and leases to deposits | 108.9332% | 250 |
| Net loans and leases to core deposits | 153.2443% | 167 |
| Total domestic deposits to total assets | 79.2801% | 6,016 |
| Equity capital to assets | 20.3570% | 240 |
| Core capital (leverage) ratio | 19.1088% | 279 |
| Tier 1 risk-based capital ratio | 23.4464% | 989 |
| Total risk-based capital ratio | 24.7109% | 964 |
| Memoranda: | ||
| Average total assets | $450,182,600 | 1,478 |
| Average earning assets | $430,634,600 | 1,405 |
| Average equity | $74,141,000 | 895 |
| Average total loans | $390,860,400 | 1,155 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 6,396 |
| Cost of funding earning assets | 0.9557% | 6,146 |
| Net interest margin | 3.6221% | 4,774 |
| Noninterest income to average assets | 0.1135% | 6,979 |
| Noninterest expense to average assets | 1.7761% | 7,355 |
| Loan and lease loss provision to assets | 0.5059% | 2,927 |
| Net operating income to assets | 0.7693% | 3,135 |
| Return on assets (ROA) | 0.7708% | 3,283 |
| Pretax return on assets | 1.2969% | 2,179 |
| Return on Equity (ROE) | 4.9751% | 4,305 |
| Retained earnings to average equity (ytd only) | 4.9751% | 3,009 |
| Net charge-offs to loans | 0.2801% | 4,264 |
| Credit loss provision to net charge-offs | 208.9351% | 1,687 |
| Earnings coverage of net charge-offs (x) | 7.4357% | 2,334 |
| Efficiency ratio | 49.6603% | 7,176 |
| Assets per employee ($millions) | 6.1878% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2932% | 1,639 |
| Loan loss allowance to noncurrent loans | 106.6302% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 3.1374% | 2,299 |
| Noncurrent loans to loans | 2.1506% | 3,510 |
| Net loans and leases to total assets | 85.1487% | 254 |
| Net loans and leases to deposits | 108.7440% | 283 |
| Net loans and leases to core deposits | 155.0383% | 170 |
| Total domestic deposits to total assets | 78.3020% | 6,200 |
| Equity capital to assets | 19.8898% | 293 |
| Core capital (leverage) ratio | 19.0867% | 294 |
| Tier 1 risk-based capital ratio | 23.6839% | 985 |
| Total risk-based capital ratio | 24.9496% | 959 |
| Memoranda: | ||
| Average total assets | $449,886,250 | 1,502 |
| Average earning assets | $430,127,500 | 1,431 |
| Average equity | $69,705,000 | 961 |
| Average total loans | $388,887,500 | 1,170 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5835% | 6,508 |
| Cost of funding earning assets | 1.0396% | 5,966 |
| Net interest margin | 3.5438% | 5,072 |
| Noninterest income to average assets | 0.1123% | 7,043 |
| Noninterest expense to average assets | 1.7701% | 7,426 |
| Loan and lease loss provision to assets | 0.5380% | 2,632 |
| Net operating income to assets | 0.7188% | 3,317 |
| Return on assets (ROA) | 0.7214% | 3,461 |
| Pretax return on assets | 1.1941% | 2,439 |
| Return on Equity (ROE) | 5.1549% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.1549% | 2,813 |
| Net charge-offs to loans | 0.3517% | 3,592 |
| Credit loss provision to net charge-offs | 177.4336% | 2,209 |
| Earnings coverage of net charge-offs (x) | 5.6991% | 2,613 |
| Efficiency ratio | 50.6009% | 7,185 |
| Assets per employee ($millions) | 6.0381% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2335% | 1,698 |
| Loan loss allowance to noncurrent loans | 109.6617% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 3.0112% | 2,363 |
| Noncurrent loans to loans | 2.0367% | 3,670 |
| Net loans and leases to total assets | 83.7995% | 372 |
| Net loans and leases to deposits | 104.6070% | 458 |
| Net loans and leases to core deposits | 151.8842% | 206 |
| Total domestic deposits to total assets | 80.1089% | 5,695 |
| Equity capital to assets | 19.6339% | 305 |
| Core capital (leverage) ratio | 20.1855% | 239 |
| Tier 1 risk-based capital ratio | 23.1714% | 1,042 |
| Total risk-based capital ratio | 24.4357% | 1,017 |
| Memoranda: | ||
| Average total assets | $447,215,330 | 1,529 |
| Average earning assets | $427,275,670 | 1,457 |
| Average equity | $62,581,670 | 1,062 |
| Average total loans | $385,501,330 | 1,192 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6416% | 6,436 |
| Cost of funding earning assets | 1.1478% | 5,670 |
| Net interest margin | 3.4938% | 5,184 |
| Noninterest income to average assets | 0.1106% | 7,143 |
| Noninterest expense to average assets | 1.7355% | 7,541 |
| Loan and lease loss provision to assets | 0.5791% | 2,178 |
| Net operating income to assets | 0.6570% | 3,632 |
| Return on assets (ROA) | 0.6570% | 3,746 |
| Pretax return on assets | 1.1337% | 2,614 |
| Return on Equity (ROE) | 5.9398% | 3,902 |
| Retained earnings to average equity (ytd only) | 5.9398% | 2,647 |
| Net charge-offs to loans | -0.0021% | 6,765 |
| Credit loss provision to net charge-offs | -31,950.0000% | 6,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3285% | 7,291 |
| Assets per employee ($millions) | 5.8318% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3609% | 1,475 |
| Loan loss allowance to noncurrent loans | 80.2922% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 2.9214% | 2,452 |
| Noncurrent loans to loans | 2.9403% | 2,737 |
| Net loans and leases to total assets | 86.4790% | 191 |
| Net loans and leases to deposits | 100.5770% | 719 |
| Net loans and leases to core deposits | 150.1678% | 241 |
| Total domestic deposits to total assets | 85.9829% | 3,160 |
| Equity capital to assets | 11.5685% | 2,313 |
| Core capital (leverage) ratio | 10.0467% | 3,107 |
| Tier 1 risk-based capital ratio | 12.3641% | 4,859 |
| Total risk-based capital ratio | 13.6297% | 4,802 |
| Memoranda: | ||
| Average total assets | $441,376,000 | 1,590 |
| Average earning assets | $421,665,000 | 1,514 |
| Average equity | $48,823,000 | 1,374 |
| Average total loans | $381,584,000 | 1,244 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6179% | 7,261 |
| Cost of funding earning assets | 1.7488% | 4,256 |
| Net interest margin | 2.8691% | 6,921 |
| Noninterest income to average assets | 0.1515% | 6,977 |
| Noninterest expense to average assets | 1.8087% | 7,598 |
| Loan and lease loss provision to assets | 0.9673% | 2,332 |
| Net operating income to assets | 0.0684% | 5,296 |
| Return on assets (ROA) | 0.0684% | 5,338 |
| Pretax return on assets | 0.1342% | 5,149 |
| Return on Equity (ROE) | 0.6193% | 5,353 |
| Retained earnings to average equity (ytd only) | 0.6193% | 4,562 |
| Net charge-offs to loans | 0.1347% | 5,857 |
| Credit loss provision to net charge-offs | 834.2629% | 346 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,790 |
| Efficiency ratio | 62.1508% | 6,127 |
| Assets per employee ($millions) | 5.9354% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1393% | 1,752 |
| Loan loss allowance to noncurrent loans | 86.4288% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 2.3390% | 2,959 |
| Noncurrent loans to loans | 2.4752% | 3,071 |
| Net loans and leases to total assets | 82.6741% | 580 |
| Net loans and leases to deposits | 103.6211% | 668 |
| Net loans and leases to core deposits | 254.3667% | 49 |
| Total domestic deposits to total assets | 79.7850% | 5,735 |
| Equity capital to assets | 10.5893% | 3,084 |
| Core capital (leverage) ratio | 9.8892% | 3,216 |
| Tier 1 risk-based capital ratio | 12.0859% | 4,866 |
| Total risk-based capital ratio | 13.3491% | 4,820 |
| Memoranda: | ||
| Average total assets | $432,962,600 | 1,599 |
| Average earning assets | $416,293,800 | 1,520 |
| Average equity | $47,797,400 | 1,409 |
| Average total loans | $372,577,200 | 1,287 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6191% | 7,392 |
| Cost of funding earning assets | 1.8877% | 3,943 |
| Net interest margin | 2.7314% | 7,164 |
| Noninterest income to average assets | 0.1680% | 7,010 |
| Noninterest expense to average assets | 1.7828% | 7,676 |
| Loan and lease loss provision to assets | 1.1036% | 1,770 |
| Net operating income to assets | -0.0837% | 5,863 |
| Return on assets (ROA) | -0.0837% | 5,901 |
| Pretax return on assets | -0.0837% | 5,822 |
| Return on Equity (ROE) | -0.7499% | 5,891 |
| Retained earnings to average equity (ytd only) | -0.7499% | 5,421 |
| Net charge-offs to loans | -0.0264% | 7,788 |
| Credit loss provision to net charge-offs | -4,841.0959% | 7,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6100% | 5,822 |
| Assets per employee ($millions) | 5.4615% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1723% | 1,469 |
| Loan loss allowance to noncurrent loans | 72.3751% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 2.8651% | 2,430 |
| Noncurrent loans to loans | 3.0015% | 2,515 |
| Net loans and leases to total assets | 86.4951% | 311 |
| Net loans and leases to deposits | 99.9764% | 1,106 |
| Net loans and leases to core deposits | 247.3135% | 51 |
| Total domestic deposits to total assets | 86.5156% | 2,415 |
| Equity capital to assets | 11.1931% | 2,840 |
| Core capital (leverage) ratio | 10.2768% | 2,997 |
| Tier 1 risk-based capital ratio | 12.7598% | 4,345 |
| Total risk-based capital ratio | 14.0235% | 4,280 |
| Memoranda: | ||
| Average total assets | $426,946,250 | 1,638 |
| Average earning assets | $411,846,500 | 1,552 |
| Average equity | $47,647,750 | 1,435 |
| Average total loans | $369,195,500 | 1,317 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6164% | 7,509 |
| Cost of funding earning assets | 1.9845% | 3,852 |
| Net interest margin | 2.6318% | 7,319 |
| Noninterest income to average assets | 0.1966% | 6,887 |
| Noninterest expense to average assets | 1.7385% | 7,797 |
| Loan and lease loss provision to assets | 1.2456% | 1,375 |
| Net operating income to assets | -0.2504% | 6,264 |
| Return on assets (ROA) | -0.2504% | 6,275 |
| Pretax return on assets | -0.2504% | 6,176 |
| Return on Equity (ROE) | -2.2462% | 6,259 |
| Retained earnings to average equity (ytd only) | -2.2462% | 5,799 |
| Net charge-offs to loans | -0.0202% | 7,701 |
| Credit loss provision to net charge-offs | -7,191.8919% | 7,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5959% | 5,984 |
| Assets per employee ($millions) | 5.6209% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9439% | 1,686 |
| Loan loss allowance to noncurrent loans | 167.6037% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 1.1950% | 4,550 |
| Noncurrent loans to loans | 1.1598% | 4,896 |
| Net loans and leases to total assets | 85.8915% | 389 |
| Net loans and leases to deposits | 99.2062% | 1,369 |
| Net loans and leases to core deposits | 248.9534% | 61 |
| Total domestic deposits to total assets | 86.5788% | 2,465 |
| Equity capital to assets | 11.0742% | 2,853 |
| Core capital (leverage) ratio | 10.4605% | 2,849 |
| Tier 1 risk-based capital ratio | 12.5644% | 4,471 |
| Total risk-based capital ratio | 13.8248% | 4,384 |
| Memoranda: | ||
| Average total assets | $427,263,330 | 1,661 |
| Average earning assets | $411,883,000 | 1,578 |
| Average equity | $47,636,330 | 1,445 |
| Average total loans | $366,711,670 | 1,358 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6451% | 7,580 |
| Cost of funding earning assets | 2.0877% | 3,706 |
| Net interest margin | 2.5573% | 7,428 |
| Noninterest income to average assets | 0.2762% | 6,219 |
| Noninterest expense to average assets | 1.7196% | 7,801 |
| Loan and lease loss provision to assets | 0.4737% | 2,580 |
| Net operating income to assets | 0.3136% | 5,246 |
| Return on assets (ROA) | 0.3136% | 5,419 |
| Pretax return on assets | 0.5401% | 4,948 |
| Return on Equity (ROE) | 2.8033% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.8033% | 4,319 |
| Net charge-offs to loans | 0.2336% | 3,238 |
| Credit loss provision to net charge-offs | 238.6792% | 1,947 |
| Earnings coverage of net charge-offs (x) | 5.1085% | 2,746 |
| Efficiency ratio | 62.9110% | 5,886 |
| Assets per employee ($millions) | 5.6490% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 3,968 |
| Loan loss allowance to noncurrent loans | 115.9524% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 1.1460% | 4,386 |
| Noncurrent loans to loans | 1.1372% | 4,719 |
| Net loans and leases to total assets | 84.8891% | 562 |
| Net loans and leases to deposits | 98.1866% | 1,634 |
| Net loans and leases to core deposits | 255.2632% | 59 |
| Total domestic deposits to total assets | 86.4569% | 2,473 |
| Equity capital to assets | 11.1670% | 2,841 |
| Core capital (leverage) ratio | 11.3755% | 2,229 |
| Tier 1 risk-based capital ratio | 13.6441% | 3,772 |
| Total risk-based capital ratio | 14.8957% | 3,694 |
| Memoranda: | ||
| Average total assets | $427,300,000 | 1,667 |
| Average earning assets | $410,587,000 | 1,586 |
| Average equity | $47,800,500 | 1,440 |
| Average total loans | $362,970,500 | 1,389 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5240% | 7,237 |
| Cost of funding earning assets | 2.6528% | 3,405 |
| Net interest margin | 2.8712% | 7,208 |
| Noninterest income to average assets | 0.1314% | 7,452 |
| Noninterest expense to average assets | 1.6073% | 7,957 |
| Loan and lease loss provision to assets | 0.6213% | 2,347 |
| Net operating income to assets | 0.4206% | 5,073 |
| Return on assets (ROA) | 0.0748% | 6,017 |
| Pretax return on assets | 0.1452% | 5,851 |
| Return on Equity (ROE) | 0.6829% | 6,017 |
| Retained earnings to average equity (ytd only) | 0.6829% | 4,822 |
| Net charge-offs to loans | 0.5695% | 2,106 |
| Credit loss provision to net charge-offs | 127.1138% | 4,200 |
| Earnings coverage of net charge-offs (x) | 2.6736% | 4,743 |
| Efficiency ratio | 55.1541% | 7,132 |
| Assets per employee ($millions) | 5.7469% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 3,907 |
| Loan loss allowance to noncurrent loans | 102.8783% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.6194% | 3,009 |
| Noncurrent loans to loans | 1.2470% | 4,019 |
| Net loans and leases to total assets | 82.7807% | 1,083 |
| Net loans and leases to deposits | 98.8368% | 2,005 |
| Net loans and leases to core deposits | 247.5435% | 72 |
| Total domestic deposits to total assets | 83.7549% | 3,455 |
| Equity capital to assets | 11.2064% | 2,882 |
| Core capital (leverage) ratio | 11.2835% | 2,383 |
| Tier 1 risk-based capital ratio | 13.5446% | 3,800 |
| Total risk-based capital ratio | 14.7956% | 3,691 |
| Memoranda: | ||
| Average total assets | $433,090,400 | 1,575 |
| Average earning assets | $419,749,800 | 1,485 |
| Average equity | $47,447,200 | 1,443 |
| Average total loans | $371,703,800 | 1,306 |