Home > First Fed Bank > Performance and Condition Ratios
First Fed Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4441% | 2,247 |
| Cost of funding earning assets | 2.6179% | 944 |
| Net interest margin | 2.8263% | 3,443 |
| Noninterest income to average assets | 0.7100% | 1,144 |
| Noninterest expense to average assets | 2.6462% | 1,877 |
| Loan and lease loss provision to assets | 0.7500% | 115 |
| Net operating income to assets | -0.0465% | 4,217 |
| Return on assets (ROA) | -0.1408% | 4,279 |
| Pretax return on assets | -0.1415% | 4,263 |
| Return on Equity (ROE) | -1.7300% | 4,272 |
| Retained earnings to average equity (ytd only) | -3.3918% | 4,227 |
| Net charge-offs to loans | 0.8119% | 195 |
| Credit loss provision to net charge-offs | 121.3327% | 1,651 |
| Earnings coverage of net charge-offs (x) | 1.1219% | 2,932 |
| Efficiency ratio | 79.1112% | 1,116 |
| Assets per employee ($millions) | 9.7738% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 2,116 |
| Loan loss allowance to noncurrent loans | 67.0745% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.3741% | 425 |
| Noncurrent loans to loans | 1.8016% | 467 |
| Net loans and leases to total assets | 75.3500% | 1,237 |
| Net loans and leases to deposits | 98.7537% | 552 |
| Net loans and leases to core deposits | 125.1514% | 463 |
| Total domestic deposits to total assets | 76.3000% | 3,931 |
| Equity capital to assets | 8.0541% | 3,471 |
| Core capital (leverage) ratio | 9.3932% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6111% | 2,006 |
| Memoranda: | ||
| Average total assets | $2,212,570,600 | 537 |
| Average earning assets | $2,063,249,000 | 523 |
| Average equity | $180,316,600 | 628 |
| Average total loans | $1,696,893,600 | 493 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4402% | 2,195 |
| Cost of funding earning assets | 2.6141% | 959 |
| Net interest margin | 2.8260% | 3,408 |
| Noninterest income to average assets | 0.7700% | 943 |
| Noninterest expense to average assets | 2.6946% | 1,695 |
| Loan and lease loss provision to assets | 0.7700% | 94 |
| Net operating income to assets | -0.0394% | 4,254 |
| Return on assets (ROA) | -0.1383% | 4,325 |
| Pretax return on assets | -0.1927% | 4,325 |
| Return on Equity (ROE) | -1.6900% | 4,310 |
| Retained earnings to average equity (ytd only) | -3.9050% | 4,299 |
| Net charge-offs to loans | 0.6672% | 198 |
| Credit loss provision to net charge-offs | 152.4773% | 1,274 |
| Earnings coverage of net charge-offs (x) | 1.3798% | 2,668 |
| Efficiency ratio | 79.2125% | 1,132 |
| Assets per employee ($millions) | 9.4958% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 1,863 |
| Loan loss allowance to noncurrent loans | 72.2760% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.3563% | 416 |
| Noncurrent loans to loans | 1.7540% | 490 |
| Net loans and leases to total assets | 76.3500% | 1,080 |
| Net loans and leases to deposits | 99.5345% | 517 |
| Net loans and leases to core deposits | 127.2553% | 442 |
| Total domestic deposits to total assets | 76.7000% | 3,869 |
| Equity capital to assets | 8.1637% | 3,612 |
| Core capital (leverage) ratio | 9.3850% | 3,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4404% | 2,097 |
| Memoranda: | ||
| Average total assets | $2,211,051,500 | 532 |
| Average earning assets | $2,062,117,500 | 521 |
| Average equity | $180,722,500 | 619 |
| Average total loans | $1,698,056,250 | 485 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4429% | 2,073 |
| Cost of funding earning assets | 2.5978% | 928 |
| Net interest margin | 2.8451% | 3,350 |
| Noninterest income to average assets | 1.0100% | 585 |
| Noninterest expense to average assets | 2.6603% | 1,783 |
| Loan and lease loss provision to assets | 0.4700% | 187 |
| Net operating income to assets | 0.3960% | 3,670 |
| Return on assets (ROA) | 0.2430% | 3,973 |
| Pretax return on assets | 0.3347% | 3,892 |
| Return on Equity (ROE) | 2.9500% | 3,888 |
| Retained earnings to average equity (ytd only) | -0.3576% | 3,970 |
| Net charge-offs to loans | 0.1688% | 617 |
| Credit loss provision to net charge-offs | 377.3333% | 726 |
| Earnings coverage of net charge-offs (x) | 7.7368% | 2,089 |
| Efficiency ratio | 72.6506% | 1,787 |
| Assets per employee ($millions) | 8.2901% | 1,296 |
| Cash dividends to net income (ytd only)* | 112.1076% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 1,927 |
| Loan loss allowance to noncurrent loans | 55.2802% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.7606% | 239 |
| Noncurrent loans to loans | 2.2824% | 305 |
| Net loans and leases to total assets | 76.1700% | 1,155 |
| Net loans and leases to deposits | 98.0268% | 652 |
| Net loans and leases to core deposits | 125.4853% | 501 |
| Total domestic deposits to total assets | 77.7000% | 3,739 |
| Equity capital to assets | 8.2691% | 3,253 |
| Core capital (leverage) ratio | 9.5463% | 3,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7627% | 1,975 |
| Memoranda: | ||
| Average total assets | $2,202,287,333 | 538 |
| Average earning assets | $2,055,474,333 | 527 |
| Average equity | $181,192,333 | 618 |
| Average total loans | $1,688,652,333 | 487 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3096% | 2,176 |
| Cost of funding earning assets | 2.5018% | 988 |
| Net interest margin | 2.8079% | 3,362 |
| Noninterest income to average assets | 0.2900% | 2,998 |
| Noninterest expense to average assets | 2.5485% | 2,110 |
| Loan and lease loss provision to assets | 0.1800% | 570 |
| Net operating income to assets | 0.1030% | 4,108 |
| Return on assets (ROA) | 0.1023% | 4,148 |
| Pretax return on assets | 0.1916% | 4,049 |
| Return on Equity (ROE) | 1.2500% | 4,117 |
| Retained earnings to average equity (ytd only) | -2.0751% | 3,933 |
| Net charge-offs to loans | 0.1881% | 468 |
| Credit loss provision to net charge-offs | 156.6372% | 924 |
| Earnings coverage of net charge-offs (x) | 2.5651% | 1,987 |
| Efficiency ratio | 87.3528% | 720 |
| Assets per employee ($millions) | 8.4399% | 1,223 |
| Cash dividends to net income (ytd only)* | 266.4298% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 3,043 |
| Loan loss allowance to noncurrent loans | 64.0214% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.2637% | 405 |
| Noncurrent loans to loans | 1.6424% | 461 |
| Net loans and leases to total assets | 76.1300% | 1,055 |
| Net loans and leases to deposits | 100.9343% | 440 |
| Net loans and leases to core deposits | 127.7117% | 454 |
| Total domestic deposits to total assets | 75.4300% | 4,025 |
| Equity capital to assets | 8.1300% | 3,276 |
| Core capital (leverage) ratio | 9.7405% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5703% | 2,045 |
| Memoranda: | ||
| Average total assets | $2,200,850,000 | 538 |
| Average earning assets | $2,058,065,500 | 531 |
| Average equity | $180,614,500 | 623 |
| Average total loans | $1,682,456,000 | 495 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0725% | 1,916 |
| Cost of funding earning assets | 1.8788% | 1,108 |
| Net interest margin | 3.1937% | 2,891 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.7449% | 1,638 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.4414% | 3,785 |
| Return on assets (ROA) | 0.2546% | 4,096 |
| Pretax return on assets | 0.3215% | 4,070 |
| Return on Equity (ROE) | 3.0600% | 4,016 |
| Retained earnings to average equity (ytd only) | -1.4650% | 4,228 |
| Net charge-offs to loans | 0.1974% | 542 |
| Credit loss provision to net charge-offs | 76.5837% | 2,045 |
| Earnings coverage of net charge-offs (x) | 4.1755% | 2,603 |
| Efficiency ratio | 81.4823% | 810 |
| Assets per employee ($millions) | 8.0815% | 1,394 |
| Cash dividends to net income (ytd only)* | 147.9016% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 3,038 |
| Loan loss allowance to noncurrent loans | 93.6063% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.8573% | 590 |
| Noncurrent loans to loans | 1.1289% | 636 |
| Net loans and leases to total assets | 75.1400% | 1,223 |
| Net loans and leases to deposits | 97.4603% | 681 |
| Net loans and leases to core deposits | 125.9619% | 485 |
| Total domestic deposits to total assets | 77.1000% | 3,842 |
| Equity capital to assets | 8.2845% | 3,214 |
| Core capital (leverage) ratio | 9.8973% | 2,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1095% | 1,832 |
| Memoranda: | ||
| Average total assets | $2,124,469,800 | 543 |
| Average earning assets | $1,982,268,400 | 525 |
| Average equity | $176,855,000 | 598 |
| Average total loans | $1,607,364,200 | 493 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0306% | 1,770 |
| Cost of funding earning assets | 1.7363% | 1,117 |
| Net interest margin | 3.2943% | 2,695 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.7265% | 1,592 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.5908% | 3,566 |
| Return on assets (ROA) | 0.5886% | 3,559 |
| Pretax return on assets | 0.7368% | 3,479 |
| Return on Equity (ROE) | 7.0600% | 3,409 |
| Retained earnings to average equity (ytd only) | 2.5131% | 3,630 |
| Net charge-offs to loans | 0.2153% | 408 |
| Credit loss provision to net charge-offs | 47.4563% | 1,908 |
| Earnings coverage of net charge-offs (x) | 4.6225% | 2,388 |
| Efficiency ratio | 78.3750% | 983 |
| Assets per employee ($millions) | 7.7533% | 1,479 |
| Cash dividends to net income (ytd only)* | 64.4122% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 3,179 |
| Loan loss allowance to noncurrent loans | 696.3329% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 2,806 |
| Noncurrent loans to loans | 0.1488% | 2,812 |
| Net loans and leases to total assets | 75.7100% | 1,152 |
| Net loans and leases to deposits | 96.9032% | 694 |
| Net loans and leases to core deposits | 121.2384% | 520 |
| Total domestic deposits to total assets | 78.1300% | 3,799 |
| Equity capital to assets | 8.1120% | 2,975 |
| Core capital (leverage) ratio | 10.1242% | 2,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3815% | 1,759 |
| Memoranda: | ||
| Average total assets | $2,110,088,750 | 549 |
| Average earning assets | $1,968,224,750 | 529 |
| Average equity | $175,877,000 | 597 |
| Average total loans | $1,594,953,750 | 497 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9451% | 1,666 |
| Cost of funding earning assets | 1.5606% | 1,143 |
| Net interest margin | 3.3845% | 2,563 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.7653% | 1,489 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.6111% | 3,550 |
| Return on assets (ROA) | 0.6085% | 3,561 |
| Pretax return on assets | 0.7639% | 3,477 |
| Return on Equity (ROE) | 7.2400% | 3,426 |
| Retained earnings to average equity (ytd only) | 2.1465% | 3,690 |
| Net charge-offs to loans | 0.1697% | 465 |
| Credit loss provision to net charge-offs | 20.4021% | 1,766 |
| Earnings coverage of net charge-offs (x) | 5.8250% | 2,151 |
| Efficiency ratio | 78.7917% | 940 |
| Assets per employee ($millions) | 7.6720% | 1,490 |
| Cash dividends to net income (ytd only)* | 70.3345% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 3,181 |
| Loan loss allowance to noncurrent loans | 659.1101% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 2,690 |
| Noncurrent loans to loans | 0.1595% | 2,678 |
| Net loans and leases to total assets | 75.5600% | 1,098 |
| Net loans and leases to deposits | 97.3975% | 650 |
| Net loans and leases to core deposits | 122.1164% | 469 |
| Total domestic deposits to total assets | 77.5800% | 3,889 |
| Equity capital to assets | 8.2602% | 3,047 |
| Core capital (leverage) ratio | 10.1636% | 2,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0826% | 1,859 |
| Memoranda: | ||
| Average total assets | $2,102,736,333 | 534 |
| Average earning assets | $1,962,014,667 | 521 |
| Average equity | $176,849,667 | 585 |
| Average total loans | $1,582,887,000 | 486 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7654% | 1,705 |
| Cost of funding earning assets | 1.3174% | 1,194 |
| Net interest margin | 3.4480% | 2,505 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.7737% | 1,499 |
| Loan and lease loss provision to assets | -0.1000% | 4,576 |
| Net operating income to assets | 0.7872% | 3,232 |
| Return on assets (ROA) | 0.7841% | 3,191 |
| Pretax return on assets | 0.9753% | 3,067 |
| Return on Equity (ROE) | 9.2400% | 2,988 |
| Retained earnings to average equity (ytd only) | 2.4538% | 3,614 |
| Net charge-offs to loans | 0.2428% | 316 |
| Credit loss provision to net charge-offs | -2.7513% | 4,561 |
| Earnings coverage of net charge-offs (x) | 4.8254% | 1,842 |
| Efficiency ratio | 76.0074% | 1,165 |
| Assets per employee ($millions) | 7.5657% | 1,580 |
| Cash dividends to net income (ytd only)* | 73.4394% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 3,062 |
| Loan loss allowance to noncurrent loans | 645.3323% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 2,635 |
| Noncurrent loans to loans | 0.1703% | 2,632 |
| Net loans and leases to total assets | 72.3900% | 1,385 |
| Net loans and leases to deposits | 97.0222% | 597 |
| Net loans and leases to core deposits | 116.8433% | 515 |
| Total domestic deposits to total assets | 74.6100% | 4,256 |
| Equity capital to assets | 8.2583% | 3,075 |
| Core capital (leverage) ratio | 10.4135% | 2,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3550% | 1,849 |
| Memoranda: | ||
| Average total assets | $2,083,859,000 | 551 |
| Average earning assets | $1,943,847,500 | 537 |
| Average equity | $176,870,500 | 597 |
| Average total loans | $1,557,050,000 | 505 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 1,024 |
| Cost of funding earning assets | 0.4715% | 1,579 |
| Net interest margin | 3.8423% | 1,078 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.8557% | 1,210 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.9239% | 2,869 |
| Return on assets (ROA) | 0.9288% | 2,792 |
| Pretax return on assets | 1.1385% | 2,648 |
| Return on Equity (ROE) | 10.1200% | 2,772 |
| Retained earnings to average equity (ytd only) | 8.4796% | 1,648 |
| Net charge-offs to loans | 0.0372% | 1,352 |
| Credit loss provision to net charge-offs | 269.2449% | 966 |
| Earnings coverage of net charge-offs (x) | 44.2136% | 1,441 |
| Efficiency ratio | 70.1926% | 1,656 |
| Assets per employee ($millions) | 7.0844% | 1,906 |
| Cash dividends to net income (ytd only)* | 16.2250% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 3,154 |
| Loan loss allowance to noncurrent loans | 845.7037% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 2,891 |
| Noncurrent loans to loans | 0.1231% | 2,904 |
| Net loans and leases to total assets | 75.5500% | 1,055 |
| Net loans and leases to deposits | 96.8331% | 594 |
| Net loans and leases to core deposits | 113.4080% | 502 |
| Total domestic deposits to total assets | 78.0200% | 4,089 |
| Equity capital to assets | 8.7317% | 2,542 |
| Core capital (leverage) ratio | 10.4125% | 2,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4168% | 1,813 |
| Memoranda: | ||
| Average total assets | $1,990,763,000 | 554 |
| Average earning assets | $1,860,650,400 | 536 |
| Average equity | $182,673,000 | 569 |
| Average total loans | $1,458,766,000 | 492 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0760% | 1,109 |
| Cost of funding earning assets | 0.3305% | 1,858 |
| Net interest margin | 3.7455% | 1,044 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.8468% | 1,152 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.7911% | 3,299 |
| Return on assets (ROA) | 0.7974% | 3,229 |
| Pretax return on assets | 0.9966% | 3,021 |
| Return on Equity (ROE) | 8.5800% | 3,151 |
| Retained earnings to average equity (ytd only) | 8.5844% | 1,796 |
| Net charge-offs to loans | 0.0094% | 1,777 |
| Credit loss provision to net charge-offs | 1,200.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 157.6337% | 726 |
| Efficiency ratio | 72.6646% | 1,423 |
| Assets per employee ($millions) | 7.4169% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 3,198 |
| Loan loss allowance to noncurrent loans | 459.2645% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 2,428 |
| Noncurrent loans to loans | 0.2309% | 2,466 |
| Net loans and leases to total assets | 73.2000% | 1,162 |
| Net loans and leases to deposits | 93.2892% | 680 |
| Net loans and leases to core deposits | 108.3485% | 522 |
| Total domestic deposits to total assets | 78.4700% | 4,223 |
| Equity capital to assets | 8.2966% | 2,682 |
| Core capital (leverage) ratio | 10.4956% | 2,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5813% | 2,224 |
| Memoranda: | ||
| Average total assets | $1,983,692,250 | 553 |
| Average earning assets | $1,855,712,250 | 539 |
| Average equity | $184,267,000 | 571 |
| Average total loans | $1,438,111,500 | 490 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9127% | 1,093 |
| Cost of funding earning assets | 0.2639% | 2,104 |
| Net interest margin | 3.6488% | 996 |
| Noninterest income to average assets | 0.4356% | 2,539 |
| Noninterest expense to average assets | 2.9060% | 981 |
| Loan and lease loss provision to assets | 0.0473% | 1,720 |
| Net operating income to assets | 0.7172% | 3,250 |
| Return on assets (ROA) | 0.7267% | 3,173 |
| Pretax return on assets | 0.9145% | 3,012 |
| Return on Equity (ROE) | 7.5389% | 3,155 |
| Retained earnings to average equity (ytd only) | 7.5389% | 1,799 |
| Net charge-offs to loans | -0.0175% | 3,813 |
| Credit loss provision to net charge-offs | -375.6098% | 3,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3529% | 1,350 |
| Assets per employee ($millions) | 7.0124% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 3,287 |
| Loan loss allowance to noncurrent loans | 1,239.8579% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 3,349 |
| Noncurrent loans to loans | 0.0861% | 3,348 |
| Net loans and leases to total assets | 72.3468% | 1,066 |
| Net loans and leases to deposits | 91.1009% | 655 |
| Net loans and leases to core deposits | 101.3562% | 616 |
| Total domestic deposits to total assets | 79.4140% | 4,273 |
| Equity capital to assets | 8.8882% | 2,462 |
| Core capital (leverage) ratio | 10.4139% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6547% | 2,227 |
| Memoranda: | ||
| Average total assets | $1,955,150,333 | 557 |
| Average earning assets | $1,832,596,000 | 549 |
| Average equity | $188,461,333 | 566 |
| Average total loans | $1,407,155,333 | 493 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7624% | 1,155 |
| Cost of funding earning assets | 0.2380% | 2,289 |
| Net interest margin | 3.5244% | 1,042 |
| Noninterest income to average assets | 0.4499% | 2,391 |
| Noninterest expense to average assets | 2.8994% | 962 |
| Loan and lease loss provision to assets | -0.0081% | 4,415 |
| Net operating income to assets | 0.7049% | 3,040 |
| Return on assets (ROA) | 0.7261% | 2,946 |
| Pretax return on assets | 0.8960% | 2,791 |
| Return on Equity (ROE) | 7.2382% | 2,961 |
| Retained earnings to average equity (ytd only) | 7.2382% | 1,815 |
| Net charge-offs to loans | -0.0009% | 3,007 |
| Credit loss provision to net charge-offs | 1,300.0000% | 287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0564% | 1,400 |
| Assets per employee ($millions) | 6.6971% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 3,362 |
| Loan loss allowance to noncurrent loans | 1,214.8148% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 3,414 |
| Noncurrent loans to loans | 0.0898% | 3,390 |
| Net loans and leases to total assets | 70.6921% | 955 |
| Net loans and leases to deposits | 87.1990% | 666 |
| Net loans and leases to core deposits | 95.0437% | 690 |
| Total domestic deposits to total assets | 81.0698% | 4,194 |
| Equity capital to assets | 9.7054% | 2,126 |
| Core capital (leverage) ratio | 10.6089% | 1,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1050% | 2,160 |
| Memoranda: | ||
| Average total assets | $1,926,439,500 | 568 |
| Average earning assets | $1,809,911,500 | 560 |
| Average equity | $193,251,500 | 569 |
| Average total loans | $1,374,862,500 | 500 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7920% | 1,887 |
| Cost of funding earning assets | 0.2619% | 2,784 |
| Net interest margin | 3.5300% | 1,651 |
| Noninterest income to average assets | 0.6602% | 1,904 |
| Noninterest expense to average assets | 2.9067% | 1,134 |
| Loan and lease loss provision to assets | 0.0756% | 1,607 |
| Net operating income to assets | 0.8293% | 3,238 |
| Return on assets (ROA) | 0.9414% | 2,969 |
| Pretax return on assets | 1.1410% | 2,849 |
| Return on Equity (ROE) | 9.0180% | 2,905 |
| Retained earnings to average equity (ytd only) | 8.4814% | 1,352 |
| Net charge-offs to loans | 0.0058% | 2,376 |
| Credit loss provision to net charge-offs | 1,849.3151% | 330 |
| Earnings coverage of net charge-offs (x) | 264.4795% | 447 |
| Efficiency ratio | 72.8741% | 1,420 |
| Assets per employee ($millions) | 6.6347% | 2,208 |
| Cash dividends to net income (ytd only)* | 5.9510% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 3,328 |
| Loan loss allowance to noncurrent loans | 1,086.4943% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 3,451 |
| Noncurrent loans to loans | 0.1019% | 3,418 |
| Net loans and leases to total assets | 70.4748% | 989 |
| Net loans and leases to deposits | 84.2031% | 895 |
| Net loans and leases to core deposits | 92.3024% | 862 |
| Total domestic deposits to total assets | 83.6962% | 3,640 |
| Equity capital to assets | 10.3607% | 2,311 |
| Core capital (leverage) ratio | 10.5602% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8752% | 1,898 |
| Memoranda: | ||
| Average total assets | $1,785,087,400 | 588 |
| Average earning assets | $1,682,957,000 | 573 |
| Average equity | $186,337,600 | 581 |
| Average total loans | $1,265,414,000 | 539 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7580% | 2,128 |
| Cost of funding earning assets | 0.2704% | 2,890 |
| Net interest margin | 3.4875% | 1,901 |
| Noninterest income to average assets | 0.6067% | 2,192 |
| Noninterest expense to average assets | 2.8737% | 1,181 |
| Loan and lease loss provision to assets | 0.1142% | 1,053 |
| Net operating income to assets | 0.7484% | 3,659 |
| Return on assets (ROA) | 0.9006% | 3,323 |
| Pretax return on assets | 1.0902% | 3,215 |
| Return on Equity (ROE) | 8.6099% | 3,229 |
| Retained earnings to average equity (ytd only) | 7.8824% | 2,096 |
| Net charge-offs to loans | 0.0111% | 1,919 |
| Credit loss provision to net charge-offs | 1,456.3107% | 410 |
| Earnings coverage of net charge-offs (x) | 130.2524% | 740 |
| Efficiency ratio | 73.7856% | 1,233 |
| Assets per employee ($millions) | 6.4462% | 2,301 |
| Cash dividends to net income (ytd only)* | 8.4502% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 3,353 |
| Loan loss allowance to noncurrent loans | 1,275.5649% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 3,675 |
| Noncurrent loans to loans | 0.0877% | 3,643 |
| Net loans and leases to total assets | 73.0940% | 763 |
| Net loans and leases to deposits | 86.6819% | 787 |
| Net loans and leases to core deposits | 94.6254% | 807 |
| Total domestic deposits to total assets | 84.3244% | 3,361 |
| Equity capital to assets | 10.5088% | 2,456 |
| Core capital (leverage) ratio | 10.6290% | 1,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4388% | 2,190 |
| Memoranda: | ||
| Average total assets | $1,752,001,500 | 601 |
| Average earning assets | $1,651,780,250 | 583 |
| Average equity | $183,257,000 | 600 |
| Average total loans | $1,240,160,250 | 553 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6608% | 2,437 |
| Cost of funding earning assets | 0.2773% | 3,014 |
| Net interest margin | 3.3834% | 2,193 |
| Noninterest income to average assets | 0.5910% | 2,261 |
| Noninterest expense to average assets | 2.8103% | 1,331 |
| Loan and lease loss provision to assets | 0.0929% | 1,344 |
| Net operating income to assets | 0.7360% | 3,670 |
| Return on assets (ROA) | 0.8444% | 3,457 |
| Pretax return on assets | 1.0119% | 3,418 |
| Return on Equity (ROE) | 8.0862% | 3,389 |
| Retained earnings to average equity (ytd only) | 6.9737% | 2,443 |
| Net charge-offs to loans | 0.0098% | 1,779 |
| Credit loss provision to net charge-offs | 1,355.9322% | 385 |
| Earnings coverage of net charge-offs (x) | 142.1356% | 609 |
| Efficiency ratio | 74.2563% | 1,229 |
| Assets per employee ($millions) | 6.9429% | 1,848 |
| Cash dividends to net income (ytd only)* | 13.7589% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 3,167 |
| Loan loss allowance to noncurrent loans | 798.0306% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 3,537 |
| Noncurrent loans to loans | 0.1447% | 3,480 |
| Net loans and leases to total assets | 69.9715% | 1,199 |
| Net loans and leases to deposits | 84.7872% | 1,007 |
| Net loans and leases to core deposits | 94.6089% | 876 |
| Total domestic deposits to total assets | 82.5261% | 3,810 |
| Equity capital to assets | 10.7106% | 2,216 |
| Core capital (leverage) ratio | 10.8621% | 1,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6117% | 1,757 |
| Memoranda: | ||
| Average total assets | $1,721,464,333 | 605 |
| Average earning assets | $1,624,851,000 | 587 |
| Average equity | $179,762,333 | 605 |
| Average total loans | $1,199,276,000 | 577 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6760% | 2,421 |
| Cost of funding earning assets | 0.2970% | 3,027 |
| Net interest margin | 3.3790% | 2,162 |
| Noninterest income to average assets | 0.5801% | 2,291 |
| Noninterest expense to average assets | 2.7706% | 1,429 |
| Loan and lease loss provision to assets | 0.1183% | 1,154 |
| Net operating income to assets | 0.7640% | 3,537 |
| Return on assets (ROA) | 0.7640% | 3,605 |
| Pretax return on assets | 0.8826% | 3,643 |
| Return on Equity (ROE) | 7.4170% | 3,495 |
| Retained earnings to average equity (ytd only) | 5.1193% | 3,188 |
| Net charge-offs to loans | 0.0278% | 1,215 |
| Credit loss provision to net charge-offs | 617.2840% | 545 |
| Earnings coverage of net charge-offs (x) | 52.2099% | 876 |
| Efficiency ratio | 73.4609% | 1,353 |
| Assets per employee ($millions) | 7.0517% | 1,769 |
| Cash dividends to net income (ytd only)* | 30.9789% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 2,861 |
| Loan loss allowance to noncurrent loans | 636.8304% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 3,527 |
| Noncurrent loans to loans | 0.1906% | 3,421 |
| Net loans and leases to total assets | 66.9092% | 1,676 |
| Net loans and leases to deposits | 78.9620% | 1,619 |
| Net loans and leases to core deposits | 89.0198% | 1,285 |
| Total domestic deposits to total assets | 84.7360% | 3,211 |
| Equity capital to assets | 10.5430% | 2,227 |
| Core capital (leverage) ratio | 11.1787% | 1,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3373% | 1,464 |
| Memoranda: | ||
| Average total assets | $1,690,034,500 | 613 |
| Average earning assets | $1,596,200,500 | 592 |
| Average equity | $174,087,500 | 620 |
| Average total loans | $1,167,360,500 | 584 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7350% | 3,482 |
| Cost of funding earning assets | 0.5767% | 2,472 |
| Net interest margin | 3.1583% | 3,472 |
| Noninterest income to average assets | 0.8486% | 1,400 |
| Noninterest expense to average assets | 2.7460% | 2,092 |
| Loan and lease loss provision to assets | 0.3431% | 1,022 |
| Net operating income to assets | 0.5661% | 3,855 |
| Return on assets (ROA) | 0.7218% | 3,494 |
| Pretax return on assets | 0.9276% | 3,289 |
| Return on Equity (ROE) | 6.9236% | 3,232 |
| Retained earnings to average equity (ytd only) | 5.6191% | 1,985 |
| Net charge-offs to loans | 0.0820% | 1,655 |
| Credit loss provision to net charge-offs | 610.1572% | 1,089 |
| Earnings coverage of net charge-offs (x) | 19.0931% | 1,998 |
| Efficiency ratio | 71.8919% | 1,694 |
| Assets per employee ($millions) | 7.1537% | 1,475 |
| Cash dividends to net income (ytd only)* | 18.8413% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 2,982 |
| Loan loss allowance to noncurrent loans | 593.2734% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 3,582 |
| Noncurrent loans to loans | 0.2012% | 3,490 |
| Net loans and leases to total assets | 69.6461% | 1,604 |
| Net loans and leases to deposits | 85.5583% | 1,288 |
| Net loans and leases to core deposits | 98.9481% | 958 |
| Total domestic deposits to total assets | 81.4018% | 3,785 |
| Equity capital to assets | 10.0455% | 3,089 |
| Core capital (leverage) ratio | 10.2803% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5868% | 2,022 |
| Memoranda: | ||
| Average total assets | $1,470,699,800 | 626 |
| Average earning assets | $1,383,499,000 | 609 |
| Average equity | $153,317,000 | 659 |
| Average total loans | $1,008,913,400 | 638 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7469% | 3,689 |
| Cost of funding earning assets | 0.6580% | 2,281 |
| Net interest margin | 3.0889% | 3,762 |
| Noninterest income to average assets | 0.8149% | 1,437 |
| Noninterest expense to average assets | 2.7044% | 2,243 |
| Loan and lease loss provision to assets | 0.3846% | 948 |
| Net operating income to assets | 0.4688% | 4,120 |
| Return on assets (ROA) | 0.6293% | 3,786 |
| Pretax return on assets | 0.8311% | 3,570 |
| Return on Equity (ROE) | 5.9736% | 3,566 |
| Retained earnings to average equity (ytd only) | 5.0866% | 2,520 |
| Net charge-offs to loans | 0.1012% | 1,301 |
| Credit loss provision to net charge-offs | 558.4803% | 1,208 |
| Earnings coverage of net charge-offs (x) | 14.7042% | 2,139 |
| Efficiency ratio | 72.7590% | 1,551 |
| Assets per employee ($millions) | 7.3089% | 1,319 |
| Cash dividends to net income (ytd only)* | 14.8478% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,636 |
| Loan loss allowance to noncurrent loans | 407.4875% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 3,410 |
| Noncurrent loans to loans | 0.2957% | 3,218 |
| Net loans and leases to total assets | 68.4944% | 2,175 |
| Net loans and leases to deposits | 84.4184% | 1,864 |
| Net loans and leases to core deposits | 96.3808% | 1,426 |
| Total domestic deposits to total assets | 81.1368% | 3,627 |
| Equity capital to assets | 10.2434% | 3,018 |
| Core capital (leverage) ratio | 10.5274% | 2,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9662% | 1,508 |
| Memoranda: | ||
| Average total assets | $1,427,034,250 | 627 |
| Average earning assets | $1,340,677,750 | 612 |
| Average equity | $150,325,000 | 661 |
| Average total loans | $971,197,500 | 650 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7402% | 4,003 |
| Cost of funding earning assets | 0.7605% | 2,051 |
| Net interest margin | 2.9797% | 4,171 |
| Noninterest income to average assets | 0.7195% | 1,668 |
| Noninterest expense to average assets | 2.7571% | 2,197 |
| Loan and lease loss provision to assets | 0.3998% | 1,009 |
| Net operating income to assets | 0.2921% | 4,436 |
| Return on assets (ROA) | 0.4332% | 4,224 |
| Pretax return on assets | 0.5353% | 4,190 |
| Return on Equity (ROE) | 4.0699% | 4,079 |
| Retained earnings to average equity (ytd only) | 2.7119% | 3,497 |
| Net charge-offs to loans | 0.0610% | 1,639 |
| Credit loss provision to net charge-offs | 970.5263% | 811 |
| Earnings coverage of net charge-offs (x) | 18.4737% | 1,763 |
| Efficiency ratio | 78.3698% | 1,021 |
| Assets per employee ($millions) | 7.1093% | 1,383 |
| Cash dividends to net income (ytd only)* | 33.3667% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 2,470 |
| Loan loss allowance to noncurrent loans | 346.9628% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 3,354 |
| Noncurrent loans to loans | 0.3484% | 3,150 |
| Net loans and leases to total assets | 67.2539% | 2,464 |
| Net loans and leases to deposits | 83.7590% | 2,018 |
| Net loans and leases to core deposits | 98.7804% | 1,354 |
| Total domestic deposits to total assets | 80.2945% | 3,775 |
| Equity capital to assets | 10.3799% | 2,855 |
| Core capital (leverage) ratio | 10.8957% | 2,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3692% | 1,401 |
| Memoranda: | ||
| Average total assets | $1,383,778,333 | 630 |
| Average earning assets | $1,299,662,667 | 615 |
| Average equity | $147,277,000 | 667 |
| Average total loans | $935,153,667 | 670 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 4,232 |
| Cost of funding earning assets | 0.8379% | 2,183 |
| Net interest margin | 2.9625% | 4,345 |
| Noninterest income to average assets | 0.5012% | 2,542 |
| Noninterest expense to average assets | 2.7334% | 2,623 |
| Loan and lease loss provision to assets | 0.3780% | 814 |
| Net operating income to assets | 0.1406% | 4,610 |
| Return on assets (ROA) | 0.2869% | 4,393 |
| Pretax return on assets | 0.3550% | 4,374 |
| Return on Equity (ROE) | 2.6595% | 4,298 |
| Retained earnings to average equity (ytd only) | -0.1079% | 4,008 |
| Net charge-offs to loans | 0.0284% | 1,809 |
| Credit loss provision to net charge-offs | 1,978.1250% | 346 |
| Earnings coverage of net charge-offs (x) | 28.9063% | 1,204 |
| Efficiency ratio | 83.1910% | 889 |
| Assets per employee ($millions) | 6.7861% | 1,188 |
| Cash dividends to net income (ytd only)* | 104.0583% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 2,754 |
| Loan loss allowance to noncurrent loans | 592.1268% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 3,958 |
| Noncurrent loans to loans | 0.1999% | 3,763 |
| Net loans and leases to total assets | 65.3034% | 2,899 |
| Net loans and leases to deposits | 84.6488% | 2,147 |
| Net loans and leases to core deposits | 103.7363% | 1,206 |
| Total domestic deposits to total assets | 77.1463% | 4,333 |
| Equity capital to assets | 10.2092% | 3,599 |
| Core capital (leverage) ratio | 11.7492% | 1,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0610% | 1,141 |
| Memoranda: | ||
| Average total assets | $1,339,857,500 | 620 |
| Average earning assets | $1,259,349,500 | 608 |
| Average equity | $144,539,000 | 676 |
| Average total loans | $901,815,000 | 667 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1840% | 3,848 |
| Cost of funding earning assets | 0.9955% | 1,743 |
| Net interest margin | 3.1885% | 4,210 |
| Noninterest income to average assets | 0.4771% | 2,866 |
| Noninterest expense to average assets | 2.5678% | 3,264 |
| Loan and lease loss provision to assets | 0.0533% | 2,967 |
| Net operating income to assets | 0.6849% | 3,909 |
| Return on assets (ROA) | 0.7388% | 3,810 |
| Pretax return on assets | 0.9126% | 3,704 |
| Return on Equity (ROE) | 6.4641% | 3,752 |
| Retained earnings to average equity (ytd only) | 3.6754% | 3,157 |
| Net charge-offs to loans | 0.0653% | 2,162 |
| Credit loss provision to net charge-offs | 116.5505% | 2,165 |
| Earnings coverage of net charge-offs (x) | 19.6603% | 1,982 |
| Efficiency ratio | 74.0628% | 1,592 |
| Assets per employee ($millions) | 6.5753% | 1,243 |
| Cash dividends to net income (ytd only)* | 43.1406% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 3,042 |
| Loan loss allowance to noncurrent loans | 511.5834% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 3,879 |
| Noncurrent loans to loans | 0.2118% | 3,702 |
| Net loans and leases to total assets | 67.8686% | 2,697 |
| Net loans and leases to deposits | 86.8573% | 1,985 |
| Net loans and leases to core deposits | 101.3674% | 1,456 |
| Total domestic deposits to total assets | 78.1380% | 4,338 |
| Equity capital to assets | 11.4058% | 2,615 |
| Core capital (leverage) ratio | 12.1559% | 1,679 |
| Tier 1 risk-based capital ratio | 17.5441% | 1,879 |
| Total risk-based capital ratio | 18.7004% | 1,865 |
| Memoranda: | ||
| Average total assets | $1,254,939,000 | 633 |
| Average earning assets | $1,176,801,400 | 617 |
| Average equity | $143,438,600 | 654 |
| Average total loans | $879,072,800 | 658 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2843% | 3,707 |
| Cost of funding earning assets | 1.0345% | 1,607 |
| Net interest margin | 3.2498% | 4,185 |
| Noninterest income to average assets | 0.4722% | 2,888 |
| Noninterest expense to average assets | 2.5514% | 3,294 |
| Loan and lease loss provision to assets | 0.0450% | 3,007 |
| Net operating income to assets | 0.7413% | 3,877 |
| Return on assets (ROA) | 0.7462% | 3,923 |
| Pretax return on assets | 0.9273% | 3,801 |
| Return on Equity (ROE) | 6.5250% | 3,869 |
| Retained earnings to average equity (ytd only) | 3.7153% | 3,541 |
| Net charge-offs to loans | 0.0776% | 1,716 |
| Credit loss provision to net charge-offs | 82.3529% | 2,475 |
| Earnings coverage of net charge-offs (x) | 17.6883% | 2,078 |
| Efficiency ratio | 72.5321% | 1,757 |
| Assets per employee ($millions) | 6.3601% | 1,355 |
| Cash dividends to net income (ytd only)* | 43.0601% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 2,996 |
| Loan loss allowance to noncurrent loans | 687.2635% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 4,133 |
| Noncurrent loans to loans | 0.1611% | 3,965 |
| Net loans and leases to total assets | 68.3585% | 2,736 |
| Net loans and leases to deposits | 86.1878% | 2,171 |
| Net loans and leases to core deposits | 98.5069% | 1,784 |
| Total domestic deposits to total assets | 79.3135% | 4,115 |
| Equity capital to assets | 11.8982% | 2,327 |
| Core capital (leverage) ratio | 12.0302% | 1,831 |
| Tier 1 risk-based capital ratio | 17.9580% | 1,835 |
| Total risk-based capital ratio | 19.1303% | 1,800 |
| Memoranda: | ||
| Average total assets | $1,244,838,250 | 638 |
| Average earning assets | $1,166,536,000 | 619 |
| Average equity | $142,362,250 | 650 |
| Average total loans | $876,651,500 | 659 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3167% | 3,591 |
| Cost of funding earning assets | 1.0519% | 1,490 |
| Net interest margin | 3.2648% | 4,212 |
| Noninterest income to average assets | 0.4058% | 3,240 |
| Noninterest expense to average assets | 2.5035% | 3,468 |
| Loan and lease loss provision to assets | 0.0945% | 1,964 |
| Net operating income to assets | 0.6977% | 4,010 |
| Return on assets (ROA) | 0.7050% | 4,045 |
| Pretax return on assets | 0.8761% | 3,920 |
| Return on Equity (ROE) | 6.2478% | 3,969 |
| Retained earnings to average equity (ytd only) | 3.4086% | 3,538 |
| Net charge-offs to loans | 0.0886% | 1,481 |
| Credit loss provision to net charge-offs | 150.5102% | 1,482 |
| Earnings coverage of net charge-offs (x) | 15.3112% | 1,992 |
| Efficiency ratio | 72.2515% | 1,882 |
| Assets per employee ($millions) | 6.3309% | 1,314 |
| Cash dividends to net income (ytd only)* | 45.4442% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 3,078 |
| Loan loss allowance to noncurrent loans | 751.4286% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 4,203 |
| Noncurrent loans to loans | 0.1461% | 4,033 |
| Net loans and leases to total assets | 70.6401% | 2,442 |
| Net loans and leases to deposits | 93.0045% | 1,375 |
| Net loans and leases to core deposits | 104.1650% | 1,373 |
| Total domestic deposits to total assets | 75.9534% | 4,676 |
| Equity capital to assets | 11.6142% | 2,510 |
| Core capital (leverage) ratio | 11.5613% | 2,116 |
| Tier 1 risk-based capital ratio | 17.3586% | 1,982 |
| Total risk-based capital ratio | 18.5428% | 1,951 |
| Memoranda: | ||
| Average total assets | $1,248,500,330 | 636 |
| Average earning assets | $1,169,862,000 | 623 |
| Average equity | $140,881,000 | 654 |
| Average total loans | $884,573,330 | 652 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 3,697 |
| Cost of funding earning assets | 1.0157% | 1,502 |
| Net interest margin | 3.2383% | 4,307 |
| Noninterest income to average assets | 0.3862% | 3,284 |
| Noninterest expense to average assets | 2.4316% | 3,676 |
| Loan and lease loss provision to assets | 0.1070% | 1,666 |
| Net operating income to assets | 0.7110% | 3,901 |
| Return on assets (ROA) | 0.7110% | 3,946 |
| Pretax return on assets | 0.8832% | 3,821 |
| Return on Equity (ROE) | 6.3936% | 3,876 |
| Retained earnings to average equity (ytd only) | 3.5214% | 3,504 |
| Net charge-offs to loans | 0.0489% | 1,582 |
| Credit loss provision to net charge-offs | 310.1852% | 802 |
| Earnings coverage of net charge-offs (x) | 28.7037% | 1,354 |
| Efficiency ratio | 71.0632% | 2,175 |
| Assets per employee ($millions) | 6.0393% | 1,515 |
| Cash dividends to net income (ytd only)* | 44.9236% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 3,178 |
| Loan loss allowance to noncurrent loans | 608.7960% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 4,136 |
| Noncurrent loans to loans | 0.1793% | 3,952 |
| Net loans and leases to total assets | 70.0520% | 2,468 |
| Net loans and leases to deposits | 91.8894% | 1,414 |
| Net loans and leases to core deposits | 102.6980% | 1,400 |
| Total domestic deposits to total assets | 76.2351% | 4,737 |
| Equity capital to assets | 11.1606% | 2,696 |
| Core capital (leverage) ratio | 11.4424% | 2,177 |
| Tier 1 risk-based capital ratio | 16.8741% | 2,143 |
| Total risk-based capital ratio | 18.0430% | 2,129 |
| Memoranda: | ||
| Average total assets | $1,252,326,500 | 639 |
| Average earning assets | $1,173,947,000 | 624 |
| Average equity | $139,264,000 | 659 |
| Average total loans | $883,726,500 | 656 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 3,783 |
| Cost of funding earning assets | 0.8238% | 1,421 |
| Net interest margin | 3.2611% | 4,358 |
| Noninterest income to average assets | 0.4235% | 3,285 |
| Noninterest expense to average assets | 2.6473% | 3,188 |
| Loan and lease loss provision to assets | 0.0976% | 2,220 |
| Net operating income to assets | 0.6013% | 4,420 |
| Return on assets (ROA) | 0.6105% | 4,393 |
| Pretax return on assets | 0.7488% | 4,292 |
| Return on Equity (ROE) | 5.2649% | 4,395 |
| Retained earnings to average equity (ytd only) | -1.9051% | 5,126 |
| Net charge-offs to loans | 0.0483% | 2,466 |
| Credit loss provision to net charge-offs | 292.7681% | 1,047 |
| Earnings coverage of net charge-offs (x) | 25.0524% | 1,786 |
| Efficiency ratio | 76.0170% | 1,359 |
| Assets per employee ($millions) | 6.1812% | 1,399 |
| Cash dividends to net income (ytd only)* | 136.1841% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 3,160 |
| Loan loss allowance to noncurrent loans | 551.6782% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1449% | 4,105 |
| Noncurrent loans to loans | 0.1978% | 3,869 |
| Net loans and leases to total assets | 69.5370% | 2,643 |
| Net loans and leases to deposits | 90.9451% | 1,677 |
| Net loans and leases to core deposits | 102.4601% | 1,546 |
| Total domestic deposits to total assets | 76.4604% | 4,695 |
| Equity capital to assets | 11.0796% | 2,609 |
| Core capital (leverage) ratio | 11.4741% | 2,126 |
| Tier 1 risk-based capital ratio | 17.0415% | 2,051 |
| Total risk-based capital ratio | 18.2130% | 2,023 |
| Memoranda: | ||
| Average total assets | $1,202,819,200 | 638 |
| Average earning assets | $1,128,272,200 | 626 |
| Average equity | $139,471,400 | 622 |
| Average total loans | $830,255,800 | 673 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0204% | 3,866 |
| Cost of funding earning assets | 0.7743% | 1,452 |
| Net interest margin | 3.2462% | 4,409 |
| Noninterest income to average assets | 0.4300% | 3,285 |
| Noninterest expense to average assets | 2.6744% | 3,049 |
| Loan and lease loss provision to assets | 0.1008% | 1,980 |
| Net operating income to assets | 0.5703% | 4,590 |
| Return on assets (ROA) | 0.5826% | 4,557 |
| Pretax return on assets | 0.7149% | 4,498 |
| Return on Equity (ROE) | 4.9673% | 4,576 |
| Retained earnings to average equity (ytd only) | -4.5614% | 5,302 |
| Net charge-offs to loans | 0.0534% | 2,060 |
| Credit loss provision to net charge-offs | 275.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 21.8385% | 1,904 |
| Efficiency ratio | 76.9612% | 1,235 |
| Assets per employee ($millions) | 5.9894% | 1,495 |
| Cash dividends to net income (ytd only)* | 191.8282% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 3,193 |
| Loan loss allowance to noncurrent loans | 377.3242% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 3,929 |
| Noncurrent loans to loans | 0.2914% | 3,639 |
| Net loans and leases to total assets | 68.7243% | 2,834 |
| Net loans and leases to deposits | 88.7596% | 2,058 |
| Net loans and leases to core deposits | 99.4221% | 1,838 |
| Total domestic deposits to total assets | 77.4275% | 4,576 |
| Equity capital to assets | 10.9764% | 2,682 |
| Core capital (leverage) ratio | 11.6301% | 2,063 |
| Tier 1 risk-based capital ratio | 17.3562% | 1,981 |
| Total risk-based capital ratio | 18.5487% | 1,946 |
| Memoranda: | ||
| Average total assets | $1,192,916,750 | 642 |
| Average earning assets | $1,118,988,250 | 628 |
| Average equity | $139,925,250 | 616 |
| Average total loans | $819,449,500 | 679 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 3,859 |
| Cost of funding earning assets | 0.7457% | 1,389 |
| Net interest margin | 3.2293% | 4,439 |
| Noninterest income to average assets | 0.4389% | 3,226 |
| Noninterest expense to average assets | 2.7079% | 2,990 |
| Loan and lease loss provision to assets | 0.1192% | 1,666 |
| Net operating income to assets | 0.5224% | 4,695 |
| Return on assets (ROA) | 0.5409% | 4,654 |
| Pretax return on assets | 0.6637% | 4,608 |
| Return on Equity (ROE) | 4.5114% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.5114% | 3,336 |
| Net charge-offs to loans | 0.0452% | 1,965 |
| Credit loss provision to net charge-offs | 385.2459% | 849 |
| Earnings coverage of net charge-offs (x) | 24.5738% | 1,673 |
| Efficiency ratio | 78.0827% | 1,192 |
| Assets per employee ($millions) | 5.7532% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 3,176 |
| Loan loss allowance to noncurrent loans | 450.8014% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1737% | 4,114 |
| Noncurrent loans to loans | 0.2474% | 3,814 |
| Net loans and leases to total assets | 69.4417% | 2,662 |
| Net loans and leases to deposits | 91.7137% | 1,619 |
| Net loans and leases to core deposits | 102.5695% | 1,525 |
| Total domestic deposits to total assets | 75.7157% | 4,883 |
| Equity capital to assets | 12.0346% | 1,834 |
| Core capital (leverage) ratio | 12.3406% | 1,519 |
| Tier 1 risk-based capital ratio | 19.3858% | 1,458 |
| Total risk-based capital ratio | 20.6358% | 1,418 |
| Memoranda: | ||
| Average total assets | $1,183,279,670 | 649 |
| Average earning assets | $1,109,895,000 | 635 |
| Average equity | $141,862,670 | 603 |
| Average total loans | $809,590,000 | 684 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8954% | 3,939 |
| Cost of funding earning assets | 0.7010% | 1,436 |
| Net interest margin | 3.1944% | 4,483 |
| Noninterest income to average assets | 0.4351% | 3,202 |
| Noninterest expense to average assets | 2.7434% | 2,894 |
| Loan and lease loss provision to assets | 0.1049% | 1,774 |
| Net operating income to assets | 0.4777% | 4,748 |
| Return on assets (ROA) | 0.5115% | 4,666 |
| Pretax return on assets | 0.6266% | 4,623 |
| Return on Equity (ROE) | 4.2748% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.2748% | 3,475 |
| Net charge-offs to loans | 0.0431% | 1,685 |
| Credit loss provision to net charge-offs | 360.4651% | 725 |
| Earnings coverage of net charge-offs (x) | 23.7209% | 1,375 |
| Efficiency ratio | 79.8995% | 1,147 |
| Assets per employee ($millions) | 5.7958% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,303 |
| Loan loss allowance to noncurrent loans | 152.8931% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.5019% | 2,851 |
| Noncurrent loans to loans | 0.7274% | 2,393 |
| Net loans and leases to total assets | 68.2322% | 2,739 |
| Net loans and leases to deposits | 90.1182% | 1,677 |
| Net loans and leases to core deposits | 99.3423% | 1,737 |
| Total domestic deposits to total assets | 75.7141% | 4,994 |
| Equity capital to assets | 12.0838% | 1,723 |
| Core capital (leverage) ratio | 12.1819% | 1,538 |
| Tier 1 risk-based capital ratio | 18.3920% | 1,722 |
| Total risk-based capital ratio | 19.5643% | 1,707 |
| Memoranda: | ||
| Average total assets | $1,182,343,000 | 652 |
| Average earning assets | $1,109,813,500 | 641 |
| Average equity | $141,479,500 | 607 |
| Average total loans | $798,249,000 | 694 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8517% | 3,877 |
| Cost of funding earning assets | 0.6178% | 1,487 |
| Net interest margin | 3.2339% | 4,350 |
| Noninterest income to average assets | 0.5425% | 2,761 |
| Noninterest expense to average assets | 2.8265% | 2,687 |
| Loan and lease loss provision to assets | 0.0642% | 2,935 |
| Net operating income to assets | 0.4629% | 4,485 |
| Return on assets (ROA) | 0.4796% | 4,467 |
| Pretax return on assets | 0.7035% | 4,500 |
| Return on Equity (ROE) | 3.7709% | 4,573 |
| Retained earnings to average equity (ytd only) | 3.7709% | 2,963 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1831% | 1,202 |
| Assets per employee ($millions) | 5.8526% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 3,289 |
| Loan loss allowance to noncurrent loans | 571.8016% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 4,485 |
| Noncurrent loans to loans | 0.1942% | 4,140 |
| Net loans and leases to total assets | 65.3239% | 3,180 |
| Net loans and leases to deposits | 87.7995% | 2,041 |
| Net loans and leases to core deposits | 96.7344% | 1,965 |
| Total domestic deposits to total assets | 74.4012% | 5,147 |
| Equity capital to assets | 11.8505% | 1,941 |
| Core capital (leverage) ratio | 12.5339% | 1,337 |
| Tier 1 risk-based capital ratio | 17.9548% | 1,812 |
| Total risk-based capital ratio | 19.0863% | 1,796 |
| Memoranda: | ||
| Average total assets | $1,090,599,400 | 680 |
| Average earning assets | $1,020,843,000 | 665 |
| Average equity | $138,719,000 | 587 |
| Average total loans | $734,754,200 | 719 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 3,673 |
| Cost of funding earning assets | 0.6052% | 1,493 |
| Net interest margin | 3.2963% | 4,182 |
| Noninterest income to average assets | 0.6027% | 2,470 |
| Noninterest expense to average assets | 2.8544% | 2,555 |
| Loan and lease loss provision to assets | 0.0626% | 2,818 |
| Net operating income to assets | 0.5997% | 4,396 |
| Return on assets (ROA) | 0.6168% | 4,373 |
| Pretax return on assets | 0.7901% | 4,375 |
| Return on Equity (ROE) | 4.7584% | 4,617 |
| Retained earnings to average equity (ytd only) | 4.7584% | 3,044 |
| Net charge-offs to loans | -0.0089% | 4,599 |
| Credit loss provision to net charge-offs | -1,041.6667% | 4,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4550% | 1,400 |
| Assets per employee ($millions) | 5.7470% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 3,083 |
| Loan loss allowance to noncurrent loans | 483.0527% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 4,443 |
| Noncurrent loans to loans | 0.2423% | 4,086 |
| Net loans and leases to total assets | 64.5333% | 3,322 |
| Net loans and leases to deposits | 85.0799% | 2,422 |
| Net loans and leases to core deposits | 94.1158% | 2,268 |
| Total domestic deposits to total assets | 75.8502% | 5,036 |
| Equity capital to assets | 12.5345% | 1,643 |
| Core capital (leverage) ratio | 12.8347% | 1,275 |
| Tier 1 risk-based capital ratio | 18.8093% | 1,643 |
| Total risk-based capital ratio | 19.9809% | 1,614 |
| Memoranda: | ||
| Average total assets | $1,064,768,000 | 697 |
| Average earning assets | $995,717,500 | 686 |
| Average equity | $138,027,250 | 595 |
| Average total loans | $721,273,250 | 732 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9275% | 3,455 |
| Cost of funding earning assets | 0.5879% | 1,527 |
| Net interest margin | 3.3396% | 3,985 |
| Noninterest income to average assets | 0.6453% | 2,227 |
| Noninterest expense to average assets | 2.9203% | 2,361 |
| Loan and lease loss provision to assets | 0.0958% | 2,080 |
| Net operating income to assets | 0.5999% | 4,307 |
| Return on assets (ROA) | 0.5999% | 4,350 |
| Pretax return on assets | 0.7485% | 4,435 |
| Return on Equity (ROE) | 4.5732% | 4,635 |
| Retained earnings to average equity (ytd only) | 4.5732% | 2,988 |
| Net charge-offs to loans | 0.0106% | 3,082 |
| Credit loss provision to net charge-offs | 1,315.7895% | 316 |
| Earnings coverage of net charge-offs (x) | 116.0000% | 587 |
| Efficiency ratio | 77.5731% | 1,522 |
| Assets per employee ($millions) | 5.2047% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 3,253 |
| Loan loss allowance to noncurrent loans | 446.6981% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 4,423 |
| Noncurrent loans to loans | 0.2595% | 4,108 |
| Net loans and leases to total assets | 68.4565% | 2,742 |
| Net loans and leases to deposits | 87.9333% | 1,996 |
| Net loans and leases to core deposits | 95.7799% | 2,002 |
| Total domestic deposits to total assets | 77.8505% | 4,838 |
| Equity capital to assets | 13.1109% | 1,321 |
| Core capital (leverage) ratio | 13.2182% | 1,095 |
| Tier 1 risk-based capital ratio | 19.2325% | 1,539 |
| Total risk-based capital ratio | 20.4324% | 1,500 |
| Memoranda: | ||
| Average total assets | $1,044,222,670 | 715 |
| Average earning assets | $975,316,670 | 703 |
| Average equity | $136,973,330 | 596 |
| Average total loans | $716,526,330 | 737 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8490% | 3,584 |
| Cost of funding earning assets | 0.5701% | 1,582 |
| Net interest margin | 3.2789% | 4,087 |
| Noninterest income to average assets | 0.8580% | 1,376 |
| Noninterest expense to average assets | 2.8787% | 2,521 |
| Loan and lease loss provision to assets | 0.0831% | 2,154 |
| Net operating income to assets | 0.8027% | 3,210 |
| Return on assets (ROA) | 0.8027% | 3,269 |
| Pretax return on assets | 0.9580% | 3,552 |
| Return on Equity (ROE) | 6.1182% | 3,853 |
| Retained earnings to average equity (ytd only) | 6.1182% | 2,275 |
| Net charge-offs to loans | -0.0288% | 4,914 |
| Credit loss provision to net charge-offs | -421.5686% | 4,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4404% | 2,332 |
| Assets per employee ($millions) | 5.2977% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 3,341 |
| Loan loss allowance to noncurrent loans | 352.4333% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 4,323 |
| Noncurrent loans to loans | 0.3304% | 3,927 |
| Net loans and leases to total assets | 67.0525% | 2,809 |
| Net loans and leases to deposits | 87.1628% | 1,895 |
| Net loans and leases to core deposits | 93.5805% | 2,014 |
| Total domestic deposits to total assets | 76.9279% | 5,125 |
| Equity capital to assets | 13.0153% | 1,250 |
| Core capital (leverage) ratio | 13.0655% | 1,120 |
| Tier 1 risk-based capital ratio | 19.2064% | 1,558 |
| Total risk-based capital ratio | 20.3935% | 1,543 |
| Memoranda: | ||
| Average total assets | $1,035,457,000 | 727 |
| Average earning assets | $966,903,500 | 711 |
| Average equity | $135,857,000 | 596 |
| Average total loans | $707,108,000 | 746 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6830% | 4,264 |
| Cost of funding earning assets | 0.5587% | 1,613 |
| Net interest margin | 3.1242% | 4,656 |
| Noninterest income to average assets | 0.4930% | 3,285 |
| Noninterest expense to average assets | 2.8586% | 2,818 |
| Loan and lease loss provision to assets | 0.1018% | 2,343 |
| Net operating income to assets | 0.3284% | 5,151 |
| Return on assets (ROA) | 0.3728% | 5,108 |
| Pretax return on assets | 0.5289% | 4,972 |
| Return on Equity (ROE) | 2.7267% | 5,234 |
| Retained earnings to average equity (ytd only) | 2.7267% | 3,962 |
| Net charge-offs to loans | -0.0153% | 5,056 |
| Credit loss provision to net charge-offs | -1,044.2105% | 5,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4412% | 1,063 |
| Assets per employee ($millions) | 5.4079% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 3,411 |
| Loan loss allowance to noncurrent loans | 321.7565% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 4,274 |
| Noncurrent loans to loans | 0.3584% | 3,845 |
| Net loans and leases to total assets | 67.9602% | 2,773 |
| Net loans and leases to deposits | 86.6418% | 2,090 |
| Net loans and leases to core deposits | 92.9909% | 2,214 |
| Total domestic deposits to total assets | 78.4381% | 4,907 |
| Equity capital to assets | 13.2295% | 1,160 |
| Core capital (leverage) ratio | 13.3718% | 1,014 |
| Tier 1 risk-based capital ratio | 19.7276% | 1,433 |
| Total risk-based capital ratio | 20.9290% | 1,405 |
| Memoranda: | ||
| Average total assets | $974,633,800 | 740 |
| Average earning assets | $914,942,000 | 725 |
| Average equity | $133,237,400 | 600 |
| Average total loans | $622,908,400 | 799 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6567% | 4,383 |
| Cost of funding earning assets | 0.5563% | 1,636 |
| Net interest margin | 3.1004% | 4,777 |
| Noninterest income to average assets | 0.4872% | 3,340 |
| Noninterest expense to average assets | 2.9267% | 2,554 |
| Loan and lease loss provision to assets | 0.0805% | 2,599 |
| Net operating income to assets | 0.2813% | 5,318 |
| Return on assets (ROA) | 0.3420% | 5,266 |
| Pretax return on assets | 0.4814% | 5,168 |
| Return on Equity (ROE) | 2.4806% | 5,358 |
| Retained earnings to average equity (ytd only) | 2.4806% | 4,436 |
| Net charge-offs to loans | -0.0276% | 5,131 |
| Credit loss provision to net charge-offs | -465.6000% | 5,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0005% | 818 |
| Assets per employee ($millions) | 5.6814% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 3,588 |
| Loan loss allowance to noncurrent loans | 268.0391% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 4,253 |
| Noncurrent loans to loans | 0.4265% | 3,757 |
| Net loans and leases to total assets | 65.6804% | 3,173 |
| Net loans and leases to deposits | 85.0180% | 2,363 |
| Net loans and leases to core deposits | 91.1432% | 2,470 |
| Total domestic deposits to total assets | 77.2548% | 5,036 |
| Equity capital to assets | 13.3888% | 1,294 |
| Core capital (leverage) ratio | 13.7515% | 929 |
| Tier 1 risk-based capital ratio | 20.0150% | 1,445 |
| Total risk-based capital ratio | 21.1952% | 1,418 |
| Memoranda: | ||
| Average total assets | $964,122,500 | 751 |
| Average earning assets | $906,730,500 | 731 |
| Average equity | $132,921,250 | 604 |
| Average total loans | $603,886,250 | 822 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6809% | 4,355 |
| Cost of funding earning assets | 0.5634% | 1,591 |
| Net interest margin | 3.1176% | 4,783 |
| Noninterest income to average assets | 0.4523% | 3,506 |
| Noninterest expense to average assets | 2.9355% | 2,565 |
| Loan and lease loss provision to assets | 0.0491% | 3,168 |
| Net operating income to assets | 0.2940% | 5,346 |
| Return on assets (ROA) | 0.3878% | 5,151 |
| Pretax return on assets | 0.5365% | 5,057 |
| Return on Equity (ROE) | 2.7844% | 5,305 |
| Retained earnings to average equity (ytd only) | 2.7844% | 4,127 |
| Net charge-offs to loans | -0.0110% | 4,729 |
| Credit loss provision to net charge-offs | -728.1250% | 5,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5725% | 827 |
| Assets per employee ($millions) | 5.4514% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 3,625 |
| Loan loss allowance to noncurrent loans | 221.7152% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 4,135 |
| Noncurrent loans to loans | 0.5199% | 3,524 |
| Net loans and leases to total assets | 63.9795% | 3,364 |
| Net loans and leases to deposits | 85.2432% | 2,330 |
| Net loans and leases to core deposits | 90.5651% | 2,483 |
| Total domestic deposits to total assets | 75.0552% | 5,407 |
| Equity capital to assets | 13.8635% | 1,072 |
| Core capital (leverage) ratio | 13.7737% | 882 |
| Tier 1 risk-based capital ratio | 21.3564% | 1,218 |
| Total risk-based capital ratio | 22.5524% | 1,205 |
| Memoranda: | ||
| Average total assets | $948,397,330 | 764 |
| Average earning assets | $893,904,000 | 740 |
| Average equity | $132,094,670 | 608 |
| Average total loans | $581,212,670 | 853 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6385% | 4,511 |
| Cost of funding earning assets | 0.5585% | 1,634 |
| Net interest margin | 3.0799% | 4,919 |
| Noninterest income to average assets | 0.4054% | 3,790 |
| Noninterest expense to average assets | 2.8282% | 2,963 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3623% | 5,102 |
| Return on assets (ROA) | 0.3623% | 5,188 |
| Pretax return on assets | 0.4783% | 5,144 |
| Return on Equity (ROE) | 2.5947% | 5,360 |
| Retained earnings to average equity (ytd only) | 2.5947% | 4,207 |
| Net charge-offs to loans | -0.0100% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5336% | 1,019 |
| Assets per employee ($millions) | 5.6920% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 3,468 |
| Loan loss allowance to noncurrent loans | 180.7086% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4181% | 3,920 |
| Noncurrent loans to loans | 0.6651% | 3,179 |
| Net loans and leases to total assets | 60.0695% | 3,763 |
| Net loans and leases to deposits | 79.9275% | 2,795 |
| Net loans and leases to core deposits | 84.8528% | 2,861 |
| Total domestic deposits to total assets | 75.1550% | 5,505 |
| Equity capital to assets | 13.8535% | 1,033 |
| Core capital (leverage) ratio | 14.1617% | 775 |
| Tier 1 risk-based capital ratio | 22.1760% | 1,136 |
| Total risk-based capital ratio | 23.3901% | 1,122 |
| Memoranda: | ||
| Average total assets | $937,422,500 | 771 |
| Average earning assets | $883,006,000 | 751 |
| Average equity | $130,880,000 | 611 |
| Average total loans | $557,788,000 | 885 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4464% | 5,052 |
| Cost of funding earning assets | 0.5897% | 1,437 |
| Net interest margin | 2.8567% | 5,407 |
| Noninterest income to average assets | 0.5413% | 3,067 |
| Noninterest expense to average assets | 2.8433% | 3,059 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2874% | 5,395 |
| Return on assets (ROA) | 0.3663% | 5,242 |
| Pretax return on assets | 0.4819% | 5,149 |
| Return on Equity (ROE) | 2.7491% | 5,386 |
| Retained earnings to average equity (ytd only) | 2.7491% | 4,114 |
| Net charge-offs to loans | 0.1364% | 1,993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 4.9697% | 3,460 |
| Efficiency ratio | 88.2489% | 817 |
| Assets per employee ($millions) | 5.4355% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 2,863 |
| Loan loss allowance to noncurrent loans | 311.6175% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 4,562 |
| Noncurrent loans to loans | 0.4190% | 3,949 |
| Net loans and leases to total assets | 57.3919% | 4,158 |
| Net loans and leases to deposits | 75.8667% | 3,269 |
| Net loans and leases to core deposits | 80.0964% | 3,337 |
| Total domestic deposits to total assets | 75.6484% | 5,487 |
| Equity capital to assets | 14.0743% | 908 |
| Core capital (leverage) ratio | 14.2022% | 774 |
| Tier 1 risk-based capital ratio | 22.6291% | 1,063 |
| Total risk-based capital ratio | 23.8753% | 1,047 |
| Memoranda: | ||
| Average total assets | $909,810,600 | 758 |
| Average earning assets | $853,539,000 | 740 |
| Average equity | $121,238,200 | 630 |
| Average total loans | $507,214,400 | 924 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3857% | 5,229 |
| Cost of funding earning assets | 0.5913% | 1,461 |
| Net interest margin | 2.7944% | 5,587 |
| Noninterest income to average assets | 0.5695% | 2,918 |
| Noninterest expense to average assets | 2.6917% | 3,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3793% | 5,238 |
| Return on assets (ROA) | 0.3793% | 5,316 |
| Pretax return on assets | 0.4987% | 5,221 |
| Return on Equity (ROE) | 2.8874% | 5,428 |
| Retained earnings to average equity (ytd only) | 2.8874% | 4,393 |
| Net charge-offs to loans | 0.1572% | 1,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.7542% | 3,158 |
| Efficiency ratio | 84.3448% | 1,136 |
| Assets per employee ($millions) | 5.5722% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 2,583 |
| Loan loss allowance to noncurrent loans | 188.3418% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 3,937 |
| Noncurrent loans to loans | 0.7447% | 3,097 |
| Net loans and leases to total assets | 54.1012% | 4,559 |
| Net loans and leases to deposits | 73.3352% | 3,612 |
| Net loans and leases to core deposits | 77.5331% | 3,647 |
| Total domestic deposits to total assets | 73.7726% | 5,733 |
| Equity capital to assets | 14.3483% | 900 |
| Core capital (leverage) ratio | 14.3371% | 775 |
| Tier 1 risk-based capital ratio | 23.4165% | 1,012 |
| Total risk-based capital ratio | 24.6672% | 998 |
| Memoranda: | ||
| Average total assets | $907,614,500 | 767 |
| Average earning assets | $851,242,000 | 750 |
| Average equity | $119,226,250 | 646 |
| Average total loans | $500,474,750 | 936 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3521% | 5,332 |
| Cost of funding earning assets | 0.5848% | 1,529 |
| Net interest margin | 2.7673% | 5,679 |
| Noninterest income to average assets | 0.5031% | 3,350 |
| Noninterest expense to average assets | 2.6892% | 3,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3116% | 5,407 |
| Return on assets (ROA) | 0.3116% | 5,500 |
| Pretax return on assets | 0.4059% | 5,452 |
| Return on Equity (ROE) | 2.4488% | 5,580 |
| Retained earnings to average equity (ytd only) | 2.4488% | 4,494 |
| Net charge-offs to loans | 0.2224% | 1,152 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.3045% | 3,208 |
| Efficiency ratio | 86.8716% | 989 |
| Assets per employee ($millions) | 5.6731% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 2,581 |
| Loan loss allowance to noncurrent loans | 146.6186% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.7487% | 3,143 |
| Noncurrent loans to loans | 0.9795% | 2,688 |
| Net loans and leases to total assets | 54.4489% | 4,510 |
| Net loans and leases to deposits | 74.4092% | 3,444 |
| Net loans and leases to core deposits | 78.6793% | 3,511 |
| Total domestic deposits to total assets | 73.1750% | 5,853 |
| Equity capital to assets | 14.5737% | 803 |
| Core capital (leverage) ratio | 14.5252% | 709 |
| Tier 1 risk-based capital ratio | 23.7594% | 984 |
| Total risk-based capital ratio | 25.0105% | 966 |
| Memoranda: | ||
| Average total assets | $903,681,000 | 774 |
| Average earning assets | $846,460,670 | 757 |
| Average equity | $114,995,000 | 672 |
| Average total loans | $499,136,000 | 939 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2986% | 5,457 |
| Cost of funding earning assets | 0.5859% | 1,534 |
| Net interest margin | 2.7128% | 5,780 |
| Noninterest income to average assets | 0.5030% | 3,266 |
| Noninterest expense to average assets | 2.6345% | 3,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2553% | 5,547 |
| Return on assets (ROA) | 0.2553% | 5,641 |
| Pretax return on assets | 0.4038% | 5,429 |
| Return on Equity (ROE) | 2.1609% | 5,651 |
| Retained earnings to average equity (ytd only) | 2.1609% | 4,601 |
| Net charge-offs to loans | 0.1940% | 1,155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.7695% | 2,570 |
| Efficiency ratio | 86.6947% | 1,117 |
| Assets per employee ($millions) | 5.4632% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 2,521 |
| Loan loss allowance to noncurrent loans | 166.7940% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.7039% | 3,378 |
| Noncurrent loans to loans | 0.8885% | 3,022 |
| Net loans and leases to total assets | 55.4237% | 4,269 |
| Net loans and leases to deposits | 75.9060% | 3,068 |
| Net loans and leases to core deposits | 79.7214% | 3,201 |
| Total domestic deposits to total assets | 73.0162% | 5,975 |
| Equity capital to assets | 14.7494% | 763 |
| Core capital (leverage) ratio | 14.0322% | 813 |
| Tier 1 risk-based capital ratio | 22.9504% | 1,109 |
| Total risk-based capital ratio | 24.2016% | 1,097 |
| Memoranda: | ||
| Average total assets | $907,344,500 | 773 |
| Average earning assets | $847,995,500 | 761 |
| Average equity | $107,176,500 | 722 |
| Average total loans | $501,121,000 | 939 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5628% | 5,182 |
| Cost of funding earning assets | 0.5922% | 1,831 |
| Net interest margin | 2.9706% | 5,504 |
| Noninterest income to average assets | 0.5303% | 3,294 |
| Noninterest expense to average assets | 2.7571% | 3,651 |
| Loan and lease loss provision to assets | 0.1065% | 2,373 |
| Net operating income to assets | 0.3310% | 5,439 |
| Return on assets (ROA) | 0.3483% | 5,449 |
| Pretax return on assets | 0.4416% | 5,402 |
| Return on Equity (ROE) | 3.5333% | 5,282 |
| Retained earnings to average equity (ytd only) | 3.5333% | 3,709 |
| Net charge-offs to loans | 0.2023% | 2,046 |
| Credit loss provision to net charge-offs | 86.6337% | 2,719 |
| Earnings coverage of net charge-offs (x) | 4.2812% | 3,694 |
| Efficiency ratio | 83.9548% | 1,417 |
| Assets per employee ($millions) | 5.4364% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 2,345 |
| Loan loss allowance to noncurrent loans | 187.0669% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6626% | 3,591 |
| Noncurrent loans to loans | 0.8175% | 3,270 |
| Net loans and leases to total assets | 53.4094% | 4,652 |
| Net loans and leases to deposits | 66.4230% | 4,279 |
| Net loans and leases to core deposits | 69.0748% | 4,405 |
| Total domestic deposits to total assets | 80.4080% | 4,906 |
| Equity capital to assets | 8.9819% | 5,312 |
| Core capital (leverage) ratio | 9.9792% | 3,595 |
| Tier 1 risk-based capital ratio | 18.7720% | 1,915 |
| Total risk-based capital ratio | 20.0290% | 1,878 |
| Memoranda: | ||
| Average total assets | $821,744,600 | 823 |
| Average earning assets | $761,538,000 | 803 |
| Average equity | $81,000,400 | 907 |
| Average total loans | $499,367,200 | 895 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6902% | 4,890 |
| Cost of funding earning assets | 0.6146% | 1,722 |
| Net interest margin | 3.0757% | 5,319 |
| Noninterest income to average assets | 0.5532% | 3,185 |
| Noninterest expense to average assets | 2.8633% | 3,250 |
| Loan and lease loss provision to assets | 0.1465% | 1,708 |
| Net operating income to assets | 0.3079% | 5,555 |
| Return on assets (ROA) | 0.3318% | 5,555 |
| Pretax return on assets | 0.4173% | 5,542 |
| Return on Equity (ROE) | 3.2812% | 5,438 |
| Retained earnings to average equity (ytd only) | 3.2812% | 4,291 |
| Net charge-offs to loans | 0.1852% | 1,979 |
| Credit loss provision to net charge-offs | 126.2626% | 1,825 |
| Earnings coverage of net charge-offs (x) | 4.5988% | 3,416 |
| Efficiency ratio | 84.2684% | 1,358 |
| Assets per employee ($millions) | 4.5559% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6043% | 2,291 |
| Loan loss allowance to noncurrent loans | 142.2234% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.7946% | 3,434 |
| Noncurrent loans to loans | 1.1280% | 2,805 |
| Net loans and leases to total assets | 62.1192% | 3,467 |
| Net loans and leases to deposits | 80.4538% | 2,624 |
| Net loans and leases to core deposits | 83.7385% | 2,911 |
| Total domestic deposits to total assets | 77.2110% | 5,640 |
| Equity capital to assets | 10.3905% | 3,690 |
| Core capital (leverage) ratio | 10.2401% | 3,356 |
| Tier 1 risk-based capital ratio | 19.0694% | 1,891 |
| Total risk-based capital ratio | 20.3281% | 1,852 |
| Memoranda: | ||
| Average total assets | $796,134,750 | 855 |
| Average earning assets | $736,129,000 | 839 |
| Average equity | $80,498,250 | 910 |
| Average total loans | $498,892,250 | 902 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7108% | 4,822 |
| Cost of funding earning assets | 0.6193% | 1,738 |
| Net interest margin | 3.0916% | 5,276 |
| Noninterest income to average assets | 0.5601% | 3,050 |
| Noninterest expense to average assets | 2.9069% | 3,139 |
| Loan and lease loss provision to assets | 0.2191% | 1,059 |
| Net operating income to assets | 0.2456% | 5,726 |
| Return on assets (ROA) | 0.2834% | 5,688 |
| Pretax return on assets | 0.3365% | 5,712 |
| Return on Equity (ROE) | 2.8288% | 5,584 |
| Retained earnings to average equity (ytd only) | 2.8288% | 4,405 |
| Net charge-offs to loans | 0.2419% | 1,593 |
| Credit loss provision to net charge-offs | 144.8675% | 1,495 |
| Earnings coverage of net charge-offs (x) | 3.3758% | 3,322 |
| Efficiency ratio | 85.0392% | 1,377 |
| Assets per employee ($millions) | 4.7060% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5986% | 2,467 |
| Loan loss allowance to noncurrent loans | 140.9464% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.8136% | 3,530 |
| Noncurrent loans to loans | 1.1342% | 2,958 |
| Net loans and leases to total assets | 62.4756% | 3,332 |
| Net loans and leases to deposits | 82.4260% | 2,205 |
| Net loans and leases to core deposits | 86.1248% | 2,503 |
| Total domestic deposits to total assets | 75.7960% | 5,933 |
| Equity capital to assets | 10.1840% | 3,855 |
| Core capital (leverage) ratio | 9.9213% | 3,715 |
| Tier 1 risk-based capital ratio | 18.3245% | 2,122 |
| Total risk-based capital ratio | 19.5828% | 2,087 |
| Memoranda: | ||
| Average total assets | $798,789,670 | 851 |
| Average earning assets | $738,270,000 | 833 |
| Average equity | $80,032,670 | 912 |
| Average total loans | $499,327,000 | 892 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6743% | 4,931 |
| Cost of funding earning assets | 0.6336% | 1,704 |
| Net interest margin | 3.0407% | 5,412 |
| Noninterest income to average assets | 0.4797% | 3,569 |
| Noninterest expense to average assets | 2.8371% | 3,427 |
| Loan and lease loss provision to assets | 0.1834% | 1,305 |
| Net operating income to assets | 0.2269% | 5,722 |
| Return on assets (ROA) | 0.2293% | 5,768 |
| Pretax return on assets | 0.2748% | 5,773 |
| Return on Equity (ROE) | 2.3079% | 5,707 |
| Retained earnings to average equity (ytd only) | 2.3079% | 4,681 |
| Net charge-offs to loans | 0.1466% | 1,841 |
| Credit loss provision to net charge-offs | 201.6484% | 1,032 |
| Earnings coverage of net charge-offs (x) | 5.0055% | 2,443 |
| Efficiency ratio | 86.1587% | 1,433 |
| Assets per employee ($millions) | 4.8511% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 2,937 |
| Loan loss allowance to noncurrent loans | 155.7332% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.8203% | 3,684 |
| Noncurrent loans to loans | 0.9941% | 3,432 |
| Net loans and leases to total assets | 62.3161% | 3,187 |
| Net loans and leases to deposits | 83.7105% | 1,853 |
| Net loans and leases to core deposits | 87.4671% | 2,149 |
| Total domestic deposits to total assets | 74.4424% | 6,205 |
| Equity capital to assets | 9.7929% | 4,118 |
| Core capital (leverage) ratio | 9.9739% | 3,604 |
| Tier 1 risk-based capital ratio | 17.9469% | 2,320 |
| Total risk-based capital ratio | 19.2046% | 2,296 |
| Memoranda: | ||
| Average total assets | $800,527,500 | 856 |
| Average earning assets | $740,493,000 | 838 |
| Average equity | $79,551,500 | 921 |
| Average total loans | $496,516,000 | 894 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5824% | 5,453 |
| Cost of funding earning assets | 0.7181% | 1,691 |
| Net interest margin | 2.8643% | 5,874 |
| Noninterest income to average assets | 0.5873% | 3,170 |
| Noninterest expense to average assets | 2.6246% | 4,376 |
| Loan and lease loss provision to assets | 0.1138% | 2,916 |
| Net operating income to assets | 0.3750% | 5,245 |
| Return on assets (ROA) | 0.3684% | 5,378 |
| Pretax return on assets | 0.4820% | 5,255 |
| Return on Equity (ROE) | 3.6815% | 5,245 |
| Retained earnings to average equity (ytd only) | 3.6815% | 3,599 |
| Net charge-offs to loans | 0.3378% | 1,987 |
| Credit loss provision to net charge-offs | 57.6478% | 3,638 |
| Earnings coverage of net charge-offs (x) | 3.0617% | 3,971 |
| Efficiency ratio | 81.2620% | 1,982 |
| Assets per employee ($millions) | 4.7640% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6350% | 2,628 |
| Loan loss allowance to noncurrent loans | 110.3848% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.0885% | 3,231 |
| Noncurrent loans to loans | 1.4812% | 2,670 |
| Net loans and leases to total assets | 59.7119% | 3,770 |
| Net loans and leases to deposits | 77.9537% | 2,726 |
| Net loans and leases to core deposits | 81.3038% | 2,976 |
| Total domestic deposits to total assets | 76.5991% | 6,041 |
| Equity capital to assets | 10.0872% | 3,649 |
| Core capital (leverage) ratio | 10.0003% | 3,581 |
| Tier 1 risk-based capital ratio | 19.0529% | 1,906 |
| Total risk-based capital ratio | 20.3115% | 1,861 |
| Memoranda: | ||
| Average total assets | $788,199,200 | 845 |
| Average earning assets | $726,945,200 | 839 |
| Average equity | $78,881,800 | 904 |
| Average total loans | $460,596,000 | 924 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5584% | 5,558 |
| Cost of funding earning assets | 0.7353% | 1,703 |
| Net interest margin | 2.8230% | 5,981 |
| Noninterest income to average assets | 0.6163% | 3,053 |
| Noninterest expense to average assets | 2.6153% | 4,338 |
| Loan and lease loss provision to assets | 0.1516% | 2,374 |
| Net operating income to assets | 0.3549% | 5,419 |
| Return on assets (ROA) | 0.3459% | 5,574 |
| Pretax return on assets | 0.4404% | 5,524 |
| Return on Equity (ROE) | 3.4628% | 5,453 |
| Retained earnings to average equity (ytd only) | 3.4628% | 4,224 |
| Net charge-offs to loans | 0.3432% | 1,830 |
| Credit loss provision to net charge-offs | 76.3404% | 2,937 |
| Earnings coverage of net charge-offs (x) | 3.0383% | 3,826 |
| Efficiency ratio | 81.2300% | 1,943 |
| Assets per employee ($millions) | 4.8475% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 2,583 |
| Loan loss allowance to noncurrent loans | 92.6920% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.3120% | 3,026 |
| Noncurrent loans to loans | 1.8493% | 2,433 |
| Net loans and leases to total assets | 59.0046% | 3,852 |
| Net loans and leases to deposits | 77.6660% | 2,718 |
| Net loans and leases to core deposits | 81.1585% | 2,979 |
| Total domestic deposits to total assets | 75.9722% | 6,171 |
| Equity capital to assets | 9.8669% | 4,087 |
| Core capital (leverage) ratio | 9.9148% | 3,791 |
| Tier 1 risk-based capital ratio | 18.9920% | 1,994 |
| Total risk-based capital ratio | 20.2522% | 1,949 |
| Memoranda: | ||
| Average total assets | $788,732,750 | 851 |
| Average earning assets | $727,097,000 | 839 |
| Average equity | $78,779,250 | 918 |
| Average total loans | $456,451,000 | 938 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5903% | 5,465 |
| Cost of funding earning assets | 0.7677% | 1,604 |
| Net interest margin | 2.8226% | 5,959 |
| Noninterest income to average assets | 0.6252% | 3,050 |
| Noninterest expense to average assets | 2.6640% | 4,166 |
| Loan and lease loss provision to assets | 0.1182% | 2,847 |
| Net operating income to assets | 0.3476% | 5,416 |
| Return on assets (ROA) | 0.3476% | 5,593 |
| Pretax return on assets | 0.4406% | 5,548 |
| Return on Equity (ROE) | 3.4655% | 5,440 |
| Retained earnings to average equity (ytd only) | 3.4655% | 4,112 |
| Net charge-offs to loans | 0.4231% | 1,526 |
| Credit loss provision to net charge-offs | 48.8959% | 3,236 |
| Earnings coverage of net charge-offs (x) | 2.3113% | 3,753 |
| Efficiency ratio | 82.6365% | 1,805 |
| Assets per employee ($millions) | 4.8730% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7417% | 2,618 |
| Loan loss allowance to noncurrent loans | 83.4188% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.5031% | 2,847 |
| Noncurrent loans to loans | 2.0879% | 2,294 |
| Net loans and leases to total assets | 57.3375% | 4,087 |
| Net loans and leases to deposits | 75.1219% | 3,001 |
| Net loans and leases to core deposits | 78.7749% | 3,194 |
| Total domestic deposits to total assets | 76.3259% | 6,217 |
| Equity capital to assets | 10.0213% | 3,890 |
| Core capital (leverage) ratio | 9.8666% | 3,690 |
| Tier 1 risk-based capital ratio | 19.6787% | 1,804 |
| Total risk-based capital ratio | 20.9393% | 1,779 |
| Memoranda: | ||
| Average total assets | $786,647,330 | 854 |
| Average earning assets | $723,949,670 | 843 |
| Average equity | $78,892,000 | 924 |
| Average total loans | $449,514,330 | 953 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5483% | 5,583 |
| Cost of funding earning assets | 0.8406% | 1,305 |
| Net interest margin | 2.7077% | 6,204 |
| Noninterest income to average assets | 0.7003% | 2,587 |
| Noninterest expense to average assets | 2.5746% | 4,491 |
| Loan and lease loss provision to assets | 0.0376% | 3,962 |
| Net operating income to assets | 0.4398% | 4,960 |
| Return on assets (ROA) | 0.4398% | 5,124 |
| Pretax return on assets | 0.5759% | 5,035 |
| Return on Equity (ROE) | 4.3833% | 4,907 |
| Retained earnings to average equity (ytd only) | 4.3833% | 3,606 |
| Net charge-offs to loans | 0.5191% | 1,155 |
| Credit loss provision to net charge-offs | 12.8028% | 3,117 |
| Earnings coverage of net charge-offs (x) | 2.0900% | 3,134 |
| Efficiency ratio | 80.7423% | 2,216 |
| Assets per employee ($millions) | 4.9805% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 2,680 |
| Loan loss allowance to noncurrent loans | 77.7713% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.6040% | 2,862 |
| Noncurrent loans to loans | 2.2928% | 2,281 |
| Net loans and leases to total assets | 55.3384% | 4,195 |
| Net loans and leases to deposits | 72.5942% | 3,108 |
| Net loans and leases to core deposits | 76.4266% | 3,259 |
| Total domestic deposits to total assets | 76.2297% | 6,340 |
| Equity capital to assets | 10.0464% | 4,088 |
| Core capital (leverage) ratio | 9.7794% | 3,688 |
| Tier 1 risk-based capital ratio | 20.3747% | 1,678 |
| Total risk-based capital ratio | 21.6362% | 1,652 |
| Memoranda: | ||
| Average total assets | $787,692,500 | 859 |
| Average earning assets | $723,726,500 | 848 |
| Average equity | $79,026,500 | 930 |
| Average total loans | $445,362,000 | 965 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6998% | 6,053 |
| Cost of funding earning assets | 0.9284% | 1,767 |
| Net interest margin | 2.7714% | 6,418 |
| Noninterest income to average assets | 0.6441% | 3,026 |
| Noninterest expense to average assets | 2.6981% | 4,405 |
| Loan and lease loss provision to assets | 0.7194% | 709 |
| Net operating income to assets | -0.0659% | 6,251 |
| Return on assets (ROA) | -0.0976% | 6,384 |
| Pretax return on assets | -0.2821% | 6,467 |
| Return on Equity (ROE) | -0.9708% | 6,384 |
| Retained earnings to average equity (ytd only) | -0.9708% | 6,012 |
| Net charge-offs to loans | 0.4882% | 2,278 |
| Credit loss provision to net charge-offs | 271.5677% | 890 |
| Earnings coverage of net charge-offs (x) | 1.8379% | 4,514 |
| Efficiency ratio | 84.6933% | 1,547 |
| Assets per employee ($millions) | 5.0224% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9031% | 2,287 |
| Loan loss allowance to noncurrent loans | 64.4473% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 2.0824% | 2,354 |
| Noncurrent loans to loans | 2.9529% | 1,769 |
| Net loans and leases to total assets | 55.6594% | 4,353 |
| Net loans and leases to deposits | 72.9246% | 3,263 |
| Net loans and leases to core deposits | 76.8041% | 3,428 |
| Total domestic deposits to total assets | 76.3246% | 6,317 |
| Equity capital to assets | 10.0188% | 4,141 |
| Core capital (leverage) ratio | 9.7159% | 3,780 |
| Tier 1 risk-based capital ratio | 19.8150% | 1,725 |
| Total risk-based capital ratio | 21.0775% | 1,690 |
| Memoranda: | ||
| Average total assets | $775,372,800 | 851 |
| Average earning assets | $710,867,600 | 846 |
| Average equity | $77,977,200 | 902 |
| Average total loans | $420,753,000 | 995 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7267% | 6,180 |
| Cost of funding earning assets | 0.9417% | 1,901 |
| Net interest margin | 2.7850% | 6,523 |
| Noninterest income to average assets | 0.6174% | 3,169 |
| Noninterest expense to average assets | 2.5825% | 4,799 |
| Loan and lease loss provision to assets | 0.9122% | 480 |
| Net operating income to assets | -0.1406% | 6,443 |
| Return on assets (ROA) | -0.1852% | 6,561 |
| Pretax return on assets | -0.3931% | 6,654 |
| Return on Equity (ROE) | -1.8394% | 6,556 |
| Retained earnings to average equity (ytd only) | -1.8394% | 6,378 |
| Net charge-offs to loans | 0.6438% | 1,704 |
| Credit loss provision to net charge-offs | 264.1538% | 1,045 |
| Earnings coverage of net charge-offs (x) | 1.7049% | 4,416 |
| Efficiency ratio | 81.4124% | 1,883 |
| Assets per employee ($millions) | 4.9480% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9551% | 2,310 |
| Loan loss allowance to noncurrent loans | 76.2753% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.7903% | 2,927 |
| Noncurrent loans to loans | 2.5633% | 2,230 |
| Net loans and leases to total assets | 52.7529% | 4,947 |
| Net loans and leases to deposits | 69.2830% | 3,989 |
| Net loans and leases to core deposits | 72.9029% | 4,134 |
| Total domestic deposits to total assets | 76.1412% | 6,363 |
| Equity capital to assets | 10.0352% | 4,441 |
| Core capital (leverage) ratio | 9.6686% | 4,016 |
| Tier 1 risk-based capital ratio | 20.3142% | 1,681 |
| Total risk-based capital ratio | 21.5768% | 1,650 |
| Memoranda: | ||
| Average total assets | $773,344,000 | 865 |
| Average earning assets | $709,175,000 | 854 |
| Average equity | $77,847,500 | 907 |
| Average total loans | $414,805,000 | 1,012 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7606% | 6,227 |
| Cost of funding earning assets | 0.9566% | 2,022 |
| Net interest margin | 2.8040% | 6,568 |
| Noninterest income to average assets | 0.5843% | 3,359 |
| Noninterest expense to average assets | 2.6556% | 4,590 |
| Loan and lease loss provision to assets | 1.2114% | 340 |
| Net operating income to assets | -0.3688% | 6,659 |
| Return on assets (ROA) | -0.4444% | 6,753 |
| Pretax return on assets | -0.8298% | 6,858 |
| Return on Equity (ROE) | -4.4098% | 6,746 |
| Retained earnings to average equity (ytd only) | -4.4098% | 6,581 |
| Net charge-offs to loans | 1.0720% | 1,024 |
| Credit loss provision to net charge-offs | 210.8902% | 1,338 |
| Earnings coverage of net charge-offs (x) | 0.8699% | 4,616 |
| Efficiency ratio | 84.1477% | 1,613 |
| Assets per employee ($millions) | 5.1457% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8077% | 2,831 |
| Loan loss allowance to noncurrent loans | 73.3135% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.6712% | 3,213 |
| Noncurrent loans to loans | 2.4658% | 2,436 |
| Net loans and leases to total assets | 52.0054% | 5,096 |
| Net loans and leases to deposits | 68.4811% | 4,123 |
| Net loans and leases to core deposits | 72.0829% | 4,287 |
| Total domestic deposits to total assets | 75.9413% | 6,469 |
| Equity capital to assets | 10.0152% | 4,309 |
| Core capital (leverage) ratio | 9.7002% | 3,833 |
| Tier 1 risk-based capital ratio | 20.5121% | 1,569 |
| Total risk-based capital ratio | 21.7680% | 1,553 |
| Memoranda: | ||
| Average total assets | $770,532,330 | 865 |
| Average earning assets | $706,488,670 | 855 |
| Average equity | $77,645,670 | 906 |
| Average total loans | $412,861,670 | 1,018 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7958% | 6,253 |
| Cost of funding earning assets | 0.9780% | 2,117 |
| Net interest margin | 2.8178% | 6,609 |
| Noninterest income to average assets | 0.8110% | 2,116 |
| Noninterest expense to average assets | 2.6664% | 4,561 |
| Loan and lease loss provision to assets | 0.3751% | 1,681 |
| Net operating income to assets | 0.4203% | 5,161 |
| Return on assets (ROA) | 0.2930% | 5,847 |
| Pretax return on assets | 0.2276% | 6,139 |
| Return on Equity (ROE) | 2.8991% | 5,752 |
| Retained earnings to average equity (ytd only) | 2.8991% | 4,803 |
| Net charge-offs to loans | 0.9815% | 1,061 |
| Credit loss provision to net charge-offs | 70.9234% | 2,893 |
| Earnings coverage of net charge-offs (x) | 1.3802% | 3,635 |
| Efficiency ratio | 78.4917% | 2,430 |
| Assets per employee ($millions) | 5.2396% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 5,772 |
| Loan loss allowance to noncurrent loans | 55.5755% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 1.5989% | 3,449 |
| Noncurrent loans to loans | 2.0447% | 3,094 |
| Net loans and leases to total assets | 52.0587% | 5,018 |
| Net loans and leases to deposits | 68.3073% | 4,007 |
| Net loans and leases to core deposits | 72.1808% | 4,125 |
| Total domestic deposits to total assets | 76.2124% | 6,519 |
| Equity capital to assets | 10.1273% | 3,947 |
| Core capital (leverage) ratio | 10.0277% | 3,334 |
| Tier 1 risk-based capital ratio | 20.5510% | 1,576 |
| Total risk-based capital ratio | 21.8012% | 1,554 |
| Memoranda: | ||
| Average total assets | $769,871,500 | 865 |
| Average earning assets | $706,357,500 | 852 |
| Average equity | $77,817,000 | 897 |
| Average total loans | $414,894,500 | 1,012 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 6,366 |
| Cost of funding earning assets | 1.1051% | 2,635 |
| Net interest margin | 2.9450% | 6,615 |
| Noninterest income to average assets | 0.4103% | 4,532 |
| Noninterest expense to average assets | 2.5467% | 5,308 |
| Loan and lease loss provision to assets | 0.4256% | 2,461 |
| Net operating income to assets | 0.1477% | 5,741 |
| Return on assets (ROA) | 0.1452% | 5,888 |
| Pretax return on assets | 0.1429% | 5,898 |
| Return on Equity (ROE) | 1.4290% | 5,863 |
| Retained earnings to average equity (ytd only) | 1.4290% | 5,184 |
| Net charge-offs to loans | 0.4105% | 3,371 |
| Credit loss provision to net charge-offs | 180.8799% | 1,433 |
| Earnings coverage of net charge-offs (x) | 2.4270% | 4,002 |
| Efficiency ratio | 81.6634% | 2,068 |
| Assets per employee ($millions) | 4.9953% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 5,528 |
| Loan loss allowance to noncurrent loans | 55.0893% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 1.7542% | 3,320 |
| Noncurrent loans to loans | 2.1260% | 3,038 |
| Net loans and leases to total assets | 54.4980% | 4,952 |
| Net loans and leases to deposits | 71.6203% | 3,860 |
| Net loans and leases to core deposits | 75.7487% | 4,017 |
| Total domestic deposits to total assets | 76.0929% | 6,470 |
| Equity capital to assets | 10.0880% | 4,051 |
| Core capital (leverage) ratio | 10.0668% | 3,261 |
| Tier 1 risk-based capital ratio | 20.1250% | 1,610 |
| Total risk-based capital ratio | 21.3741% | 1,578 |
| Memoranda: | ||
| Average total assets | $753,557,400 | 877 |
| Average earning assets | $692,771,200 | 870 |
| Average equity | $76,558,800 | 875 |
| Average total loans | $431,910,400 | 968 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1321% | 6,343 |
| Cost of funding earning assets | 1.1247% | 2,798 |
| Net interest margin | 3.0074% | 6,571 |
| Noninterest income to average assets | 0.4272% | 4,459 |
| Noninterest expense to average assets | 2.6441% | 4,923 |
| Loan and lease loss provision to assets | 0.2571% | 3,445 |
| Net operating income to assets | 0.2519% | 5,562 |
| Return on assets (ROA) | 0.2005% | 5,831 |
| Pretax return on assets | 0.2339% | 5,832 |
| Return on Equity (ROE) | 1.9697% | 5,786 |
| Retained earnings to average equity (ytd only) | 1.9697% | 5,152 |
| Net charge-offs to loans | 0.4572% | 2,903 |
| Credit loss provision to net charge-offs | 97.1812% | 3,524 |
| Earnings coverage of net charge-offs (x) | 2.0819% | 4,102 |
| Efficiency ratio | 81.0649% | 2,101 |
| Assets per employee ($millions) | 5.1903% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8188% | 6,783 |
| Loan loss allowance to noncurrent loans | 24.7692% | 6,497 |
| Noncurrent assets plus other real estate owned to assets | 2.5595% | 2,515 |
| Noncurrent loans to loans | 3.3056% | 2,088 |
| Net loans and leases to total assets | 55.3254% | 4,952 |
| Net loans and leases to deposits | 73.1484% | 3,785 |
| Net loans and leases to core deposits | 76.9429% | 4,066 |
| Total domestic deposits to total assets | 75.6346% | 6,573 |
| Equity capital to assets | 10.2372% | 4,035 |
| Core capital (leverage) ratio | 10.0773% | 3,338 |
| Tier 1 risk-based capital ratio | 20.5355% | 1,553 |
| Total risk-based capital ratio | 21.4684% | 1,599 |
| Memoranda: | ||
| Average total assets | $750,875,000 | 885 |
| Average earning assets | $691,025,500 | 874 |
| Average equity | $76,423,250 | 883 |
| Average total loans | $434,523,750 | 976 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1874% | 6,304 |
| Cost of funding earning assets | 1.1266% | 3,061 |
| Net interest margin | 3.0609% | 6,491 |
| Noninterest income to average assets | 0.3540% | 5,055 |
| Noninterest expense to average assets | 2.6803% | 4,898 |
| Loan and lease loss provision to assets | -0.0265% | 7,386 |
| Net operating income to assets | 0.3928% | 4,980 |
| Return on assets (ROA) | 0.3593% | 5,272 |
| Pretax return on assets | 0.4793% | 5,136 |
| Return on Equity (ROE) | 3.5376% | 5,147 |
| Retained earnings to average equity (ytd only) | 3.5376% | 3,994 |
| Net charge-offs to loans | 0.1104% | 4,590 |
| Credit loss provision to net charge-offs | -40.9091% | 6,235 |
| Earnings coverage of net charge-offs (x) | 7.6942% | 2,184 |
| Efficiency ratio | 82.8989% | 1,970 |
| Assets per employee ($millions) | 5.0056% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7394% | 6,969 |
| Loan loss allowance to noncurrent loans | 26.3781% | 6,459 |
| Noncurrent assets plus other real estate owned to assets | 2.2121% | 2,961 |
| Noncurrent loans to loans | 2.8032% | 2,594 |
| Net loans and leases to total assets | 57.3130% | 4,764 |
| Net loans and leases to deposits | 76.2850% | 3,413 |
| Net loans and leases to core deposits | 80.7181% | 3,688 |
| Total domestic deposits to total assets | 75.1301% | 6,709 |
| Equity capital to assets | 10.4237% | 3,612 |
| Core capital (leverage) ratio | 10.3258% | 2,905 |
| Tier 1 risk-based capital ratio | 20.6704% | 1,483 |
| Total risk-based capital ratio | 21.5263% | 1,529 |
| Memoranda: | ||
| Average total assets | $748,574,000 | 894 |
| Average earning assets | $690,590,670 | 880 |
| Average equity | $76,039,330 | 889 |
| Average total loans | $438,463,330 | 981 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1111% | 6,483 |
| Cost of funding earning assets | 1.1193% | 3,383 |
| Net interest margin | 2.9919% | 6,592 |
| Noninterest income to average assets | 0.5098% | 3,800 |
| Noninterest expense to average assets | 2.6910% | 4,871 |
| Loan and lease loss provision to assets | -0.0526% | 7,470 |
| Net operating income to assets | 0.4654% | 4,643 |
| Return on assets (ROA) | 0.3966% | 5,057 |
| Pretax return on assets | 0.5380% | 4,904 |
| Return on Equity (ROE) | 3.9550% | 4,930 |
| Retained earnings to average equity (ytd only) | 3.9550% | 3,803 |
| Net charge-offs to loans | 0.1613% | 3,518 |
| Credit loss provision to net charge-offs | -55.3073% | 5,659 |
| Earnings coverage of net charge-offs (x) | 6.0782% | 2,161 |
| Efficiency ratio | 80.8943% | 2,380 |
| Assets per employee ($millions) | 5.1287% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7376% | 7,024 |
| Loan loss allowance to noncurrent loans | 28.8551% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 2.1090% | 3,179 |
| Noncurrent loans to loans | 2.5563% | 2,932 |
| Net loans and leases to total assets | 57.5836% | 4,706 |
| Net loans and leases to deposits | 76.0198% | 3,416 |
| Net loans and leases to core deposits | 80.3070% | 3,704 |
| Total domestic deposits to total assets | 75.7482% | 6,704 |
| Equity capital to assets | 10.0601% | 3,700 |
| Core capital (leverage) ratio | 9.9836% | 3,159 |
| Tier 1 risk-based capital ratio | 19.9815% | 1,594 |
| Total risk-based capital ratio | 20.8385% | 1,644 |
| Memoranda: | ||
| Average total assets | $752,447,000 | 891 |
| Average earning assets | $694,016,000 | 882 |
| Average equity | $75,448,000 | 888 |
| Average total loans | $443,818,000 | 985 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 5,982 |
| Cost of funding earning assets | 1.3639% | 3,490 |
| Net interest margin | 3.2780% | 6,045 |
| Noninterest income to average assets | 0.7350% | 2,623 |
| Noninterest expense to average assets | 2.7189% | 4,907 |
| Loan and lease loss provision to assets | 0.4012% | 3,709 |
| Net operating income to assets | 0.5613% | 3,843 |
| Return on assets (ROA) | 0.6045% | 3,814 |
| Pretax return on assets | 0.6879% | 4,017 |
| Return on Equity (ROE) | 6.1905% | 3,523 |
| Retained earnings to average equity (ytd only) | 6.1905% | 1,719 |
| Net charge-offs to loans | 0.4785% | 3,705 |
| Credit loss provision to net charge-offs | 128.9110% | 3,095 |
| Earnings coverage of net charge-offs (x) | 3.3414% | 3,408 |
| Efficiency ratio | 71.3590% | 3,922 |
| Assets per employee ($millions) | 4.7833% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7780% | 7,019 |
| Loan loss allowance to noncurrent loans | 25.7953% | 6,555 |
| Noncurrent assets plus other real estate owned to assets | 2.4840% | 2,784 |
| Noncurrent loans to loans | 3.0159% | 2,535 |
| Net loans and leases to total assets | 59.4924% | 4,760 |
| Net loans and leases to deposits | 78.6348% | 3,404 |
| Net loans and leases to core deposits | 82.8039% | 3,776 |
| Total domestic deposits to total assets | 75.6566% | 6,671 |
| Equity capital to assets | 9.9938% | 3,747 |
| Core capital (leverage) ratio | 9.9102% | 3,194 |
| Tier 1 risk-based capital ratio | 19.2451% | 1,656 |
| Total risk-based capital ratio | 20.1517% | 1,713 |
| Memoranda: | ||
| Average total assets | $743,451,400 | 910 |
| Average earning assets | $685,837,200 | 894 |
| Average equity | $72,594,800 | 922 |
| Average total loans | $483,550,800 | 928 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 5,882 |
| Cost of funding earning assets | 1.4082% | 3,535 |
| Net interest margin | 3.3346% | 5,912 |
| Noninterest income to average assets | 0.7402% | 2,576 |
| Noninterest expense to average assets | 2.8300% | 4,351 |
| Loan and lease loss provision to assets | 0.4053% | 3,478 |
| Net operating income to assets | 0.5670% | 4,022 |
| Return on assets (ROA) | 0.5813% | 4,112 |
| Pretax return on assets | 0.5962% | 4,608 |
| Return on Equity (ROE) | 5.9885% | 3,818 |
| Retained earnings to average equity (ytd only) | 5.9885% | 2,358 |
| Net charge-offs to loans | 0.5359% | 3,157 |
| Credit loss provision to net charge-offs | 114.0111% | 3,669 |
| Earnings coverage of net charge-offs (x) | 2.7759% | 3,754 |
| Efficiency ratio | 73.2853% | 3,466 |
| Assets per employee ($millions) | 4.7716% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6595% | 7,266 |
| Loan loss allowance to noncurrent loans | 14.9196% | 7,075 |
| Noncurrent assets plus other real estate owned to assets | 3.0827% | 2,349 |
| Noncurrent loans to loans | 4.4203% | 1,644 |
| Net loans and leases to total assets | 62.5341% | 4,421 |
| Net loans and leases to deposits | 82.8003% | 2,947 |
| Net loans and leases to core deposits | 82.8003% | 4,113 |
| Total domestic deposits to total assets | 75.5240% | 6,737 |
| Equity capital to assets | 9.9209% | 4,263 |
| Core capital (leverage) ratio | 9.7670% | 3,527 |
| Tier 1 risk-based capital ratio | 18.2279% | 1,955 |
| Total risk-based capital ratio | 19.0041% | 2,058 |
| Memoranda: | ||
| Average total assets | $741,570,250 | 914 |
| Average earning assets | $684,153,500 | 899 |
| Average equity | $71,980,750 | 930 |
| Average total loans | $491,869,250 | 919 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8595% | 5,575 |
| Cost of funding earning assets | 1.4638% | 3,467 |
| Net interest margin | 3.3957% | 5,661 |
| Noninterest income to average assets | 0.8054% | 2,089 |
| Noninterest expense to average assets | 3.0437% | 3,542 |
| Loan and lease loss provision to assets | 0.5301% | 2,669 |
| Net operating income to assets | 0.4801% | 4,414 |
| Return on assets (ROA) | 0.5264% | 4,368 |
| Pretax return on assets | 0.4086% | 5,198 |
| Return on Equity (ROE) | 5.4635% | 4,062 |
| Retained earnings to average equity (ytd only) | 5.4635% | 2,634 |
| Net charge-offs to loans | 0.9370% | 1,962 |
| Credit loss provision to net charge-offs | 83.8613% | 4,597 |
| Earnings coverage of net charge-offs (x) | 1.4118% | 4,427 |
| Efficiency ratio | 76.6861% | 2,955 |
| Assets per employee ($millions) | 4.5987% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5177% | 7,487 |
| Loan loss allowance to noncurrent loans | 14.5548% | 7,157 |
| Noncurrent assets plus other real estate owned to assets | 2.5438% | 2,843 |
| Noncurrent loans to loans | 3.5566% | 2,216 |
| Net loans and leases to total assets | 64.1730% | 4,229 |
| Net loans and leases to deposits | 84.9534% | 2,713 |
| Net loans and leases to core deposits | 84.9534% | 4,003 |
| Total domestic deposits to total assets | 75.5390% | 6,769 |
| Equity capital to assets | 9.8738% | 4,172 |
| Core capital (leverage) ratio | 9.8506% | 3,341 |
| Tier 1 risk-based capital ratio | 17.9990% | 1,961 |
| Total risk-based capital ratio | 18.6093% | 2,112 |
| Memoranda: | ||
| Average total assets | $739,046,330 | 920 |
| Average earning assets | $681,382,330 | 905 |
| Average equity | $71,200,330 | 935 |
| Average total loans | $498,632,670 | 913 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0263% | 4,900 |
| Cost of funding earning assets | 1.5497% | 3,271 |
| Net interest margin | 3.4766% | 5,263 |
| Noninterest income to average assets | 1.1660% | 904 |
| Noninterest expense to average assets | 2.9784% | 3,755 |
| Loan and lease loss provision to assets | 0.9240% | 1,374 |
| Net operating income to assets | 0.4698% | 4,535 |
| Return on assets (ROA) | 0.3408% | 5,248 |
| Pretax return on assets | 0.3402% | 5,493 |
| Return on Equity (ROE) | 3.5814% | 5,080 |
| Retained earnings to average equity (ytd only) | 3.5814% | 4,005 |
| Net charge-offs to loans | 1.6959% | 1,019 |
| Credit loss provision to net charge-offs | 79.0300% | 3,900 |
| Earnings coverage of net charge-offs (x) | 1.1917% | 4,052 |
| Efficiency ratio | 68.1285% | 4,698 |
| Assets per employee ($millions) | 3.7374% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4851% | 7,601 |
| Loan loss allowance to noncurrent loans | 21.4138% | 6,942 |
| Noncurrent assets plus other real estate owned to assets | 1.6294% | 4,045 |
| Noncurrent loans to loans | 2.2655% | 3,436 |
| Net loans and leases to total assets | 66.2532% | 3,794 |
| Net loans and leases to deposits | 87.3635% | 2,340 |
| Net loans and leases to core deposits | 87.3635% | 3,699 |
| Total domestic deposits to total assets | 75.8363% | 6,788 |
| Equity capital to assets | 9.6324% | 4,330 |
| Core capital (leverage) ratio | 9.5544% | 3,697 |
| Tier 1 risk-based capital ratio | 17.1138% | 2,233 |
| Total risk-based capital ratio | 17.6927% | 2,428 |
| Memoranda: | ||
| Average total assets | $740,675,000 | 931 |
| Average earning assets | $682,974,000 | 923 |
| Average equity | $70,475,500 | 943 |
| Average total loans | $510,631,500 | 917 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6096% | 3,555 |
| Cost of funding earning assets | 2.1429% | 2,261 |
| Net interest margin | 3.4667% | 5,096 |
| Noninterest income to average assets | 0.5007% | 4,407 |
| Noninterest expense to average assets | 3.0321% | 4,020 |
| Loan and lease loss provision to assets | 0.5559% | 3,593 |
| Net operating income to assets | 0.0806% | 5,265 |
| Return on assets (ROA) | -0.1759% | 5,807 |
| Pretax return on assets | -0.1507% | 5,642 |
| Return on Equity (ROE) | -1.8093% | 5,824 |
| Retained earnings to average equity (ytd only) | -1.8093% | 5,464 |
| Net charge-offs to loans | 0.5878% | 3,455 |
| Credit loss provision to net charge-offs | 127.7795% | 4,050 |
| Earnings coverage of net charge-offs (x) | 1.5209% | 4,608 |
| Efficiency ratio | 82.0795% | 2,588 |
| Assets per employee ($millions) | 3.6704% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5334% | 7,641 |
| Loan loss allowance to noncurrent loans | 19.5920% | 7,080 |
| Noncurrent assets plus other real estate owned to assets | 1.9951% | 3,408 |
| Noncurrent loans to loans | 2.7227% | 2,841 |
| Net loans and leases to total assets | 70.8983% | 3,033 |
| Net loans and leases to deposits | 93.1850% | 1,713 |
| Net loans and leases to core deposits | 107.6067% | 3,144 |
| Total domestic deposits to total assets | 76.0834% | 6,663 |
| Equity capital to assets | 9.3991% | 4,557 |
| Core capital (leverage) ratio | 9.3507% | 3,900 |
| Tier 1 risk-based capital ratio | 16.0459% | 2,502 |
| Total risk-based capital ratio | 16.6985% | 2,692 |
| Memoranda: | ||
| Average total assets | $729,831,600 | 931 |
| Average earning assets | $672,217,800 | 924 |
| Average equity | $70,967,600 | 922 |
| Average total loans | $540,174,400 | 887 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7481% | 3,108 |
| Cost of funding earning assets | 2.2417% | 2,224 |
| Net interest margin | 3.5063% | 4,837 |
| Noninterest income to average assets | 0.3451% | 5,739 |
| Noninterest expense to average assets | 3.0784% | 3,729 |
| Loan and lease loss provision to assets | 0.4470% | 3,672 |
| Net operating income to assets | 0.0401% | 5,628 |
| Return on assets (ROA) | 0.1302% | 5,440 |
| Pretax return on assets | 0.1625% | 5,380 |
| Return on Equity (ROE) | 1.3276% | 5,399 |
| Retained earnings to average equity (ytd only) | 1.3276% | 4,581 |
| Net charge-offs to loans | 0.2701% | 4,351 |
| Credit loss provision to net charge-offs | 221.4741% | 1,975 |
| Earnings coverage of net charge-offs (x) | 2.4622% | 3,999 |
| Efficiency ratio | 86.1010% | 2,053 |
| Assets per employee ($millions) | 3.5666% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6195% | 7,548 |
| Loan loss allowance to noncurrent loans | 24.1595% | 6,835 |
| Noncurrent assets plus other real estate owned to assets | 1.9365% | 3,441 |
| Noncurrent loans to loans | 2.5644% | 2,941 |
| Net loans and leases to total assets | 72.9913% | 2,795 |
| Net loans and leases to deposits | 97.2065% | 1,414 |
| Net loans and leases to core deposits | 115.8181% | 2,646 |
| Total domestic deposits to total assets | 75.0889% | 6,759 |
| Equity capital to assets | 9.6846% | 4,519 |
| Core capital (leverage) ratio | 9.8918% | 3,410 |
| Tier 1 risk-based capital ratio | 16.1668% | 2,570 |
| Total risk-based capital ratio | 16.9084% | 2,690 |
| Memoranda: | ||
| Average total assets | $726,018,500 | 950 |
| Average earning assets | $668,867,750 | 937 |
| Average equity | $71,201,750 | 931 |
| Average total loans | $542,446,750 | 898 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9284% | 2,462 |
| Cost of funding earning assets | 2.3116% | 2,309 |
| Net interest margin | 3.6168% | 4,294 |
| Noninterest income to average assets | 0.3059% | 6,068 |
| Noninterest expense to average assets | 3.0001% | 4,085 |
| Loan and lease loss provision to assets | 0.4327% | 3,395 |
| Net operating income to assets | 0.1670% | 5,360 |
| Return on assets (ROA) | 0.1820% | 5,413 |
| Pretax return on assets | 0.2239% | 5,400 |
| Return on Equity (ROE) | 1.8477% | 5,358 |
| Retained earnings to average equity (ytd only) | 1.8477% | 4,317 |
| Net charge-offs to loans | 0.2337% | 4,036 |
| Credit loss provision to net charge-offs | 246.3836% | 1,885 |
| Earnings coverage of net charge-offs (x) | 3.6336% | 3,366 |
| Efficiency ratio | 82.4605% | 2,669 |
| Assets per employee ($millions) | 3.5912% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5490% | 7,724 |
| Loan loss allowance to noncurrent loans | 33.2307% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 1.2517% | 4,434 |
| Noncurrent loans to loans | 1.6522% | 4,019 |
| Net loans and leases to total assets | 71.6704% | 3,302 |
| Net loans and leases to deposits | 98.3950% | 1,469 |
| Net loans and leases to core deposits | 118.9984% | 2,456 |
| Total domestic deposits to total assets | 72.8395% | 7,132 |
| Equity capital to assets | 9.6543% | 4,420 |
| Core capital (leverage) ratio | 9.8229% | 3,486 |
| Tier 1 risk-based capital ratio | 16.0437% | 2,612 |
| Total risk-based capital ratio | 16.6886% | 2,767 |
| Memoranda: | ||
| Average total assets | $724,304,670 | 967 |
| Average earning assets | $667,326,000 | 956 |
| Average equity | $71,332,330 | 942 |
| Average total loans | $544,259,000 | 916 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0565% | 2,124 |
| Cost of funding earning assets | 2.3970% | 2,306 |
| Net interest margin | 3.6595% | 4,065 |
| Noninterest income to average assets | 0.2188% | 6,728 |
| Noninterest expense to average assets | 2.7569% | 4,750 |
| Loan and lease loss provision to assets | 0.2818% | 3,706 |
| Net operating income to assets | 0.4281% | 4,753 |
| Return on assets (ROA) | 0.4354% | 4,893 |
| Pretax return on assets | 0.5613% | 4,877 |
| Return on Equity (ROE) | 4.3772% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.3772% | 3,484 |
| Net charge-offs to loans | 0.1263% | 3,954 |
| Credit loss provision to net charge-offs | 290.8046% | 1,668 |
| Earnings coverage of net charge-offs (x) | 8.6034% | 2,167 |
| Efficiency ratio | 76.7835% | 3,359 |
| Assets per employee ($millions) | 3.6702% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4280% | 7,915 |
| Loan loss allowance to noncurrent loans | 41.5664% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 0.8203% | 5,130 |
| Noncurrent loans to loans | 1.0296% | 4,930 |
| Net loans and leases to total assets | 74.0886% | 2,730 |
| Net loans and leases to deposits | 103.4384% | 1,053 |
| Net loans and leases to core deposits | 126.3095% | 1,898 |
| Total domestic deposits to total assets | 71.6258% | 7,264 |
| Equity capital to assets | 9.7923% | 4,250 |
| Core capital (leverage) ratio | 9.9605% | 3,445 |
| Tier 1 risk-based capital ratio | 16.1638% | 2,630 |
| Total risk-based capital ratio | 16.6789% | 2,816 |
| Memoranda: | ||
| Average total assets | $718,355,000 | 976 |
| Average earning assets | $661,838,500 | 967 |
| Average equity | $71,461,000 | 941 |
| Average total loans | $551,112,000 | 913 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1135% | 4,970 |
| Cost of funding earning assets | 2.9924% | 1,893 |
| Net interest margin | 3.1211% | 6,592 |
| Noninterest income to average assets | 0.3800% | 5,642 |
| Noninterest expense to average assets | 3.0334% | 3,958 |
| Loan and lease loss provision to assets | 0.0578% | 6,690 |
| Net operating income to assets | 0.0851% | 6,145 |
| Return on assets (ROA) | 0.1280% | 5,875 |
| Pretax return on assets | 0.2265% | 5,670 |
| Return on Equity (ROE) | 1.2780% | 5,836 |
| Retained earnings to average equity (ytd only) | 1.2780% | 4,449 |
| Net charge-offs to loans | 0.0080% | 6,825 |
| Credit loss provision to net charge-offs | 922.2222% | 484 |
| Earnings coverage of net charge-offs (x) | 34.6444% | 1,053 |
| Efficiency ratio | 93.3148% | 1,306 |
| Assets per employee ($millions) | 3.4976% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3601% | 8,035 |
| Loan loss allowance to noncurrent loans | 314.9533% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 7,117 |
| Noncurrent loans to loans | 0.1143% | 7,075 |
| Net loans and leases to total assets | 78.7998% | 1,933 |
| Net loans and leases to deposits | 111.3713% | 744 |
| Net loans and leases to core deposits | 137.3691% | 1,418 |
| Total domestic deposits to total assets | 70.7541% | 7,197 |
| Equity capital to assets | 10.1071% | 3,913 |
| Core capital (leverage) ratio | 10.1133% | 3,348 |
| Tier 1 risk-based capital ratio | 15.9554% | 2,682 |
| Total risk-based capital ratio | 16.4046% | 2,900 |
| Memoranda: | ||
| Average total assets | $717,373,400 | 930 |
| Average earning assets | $659,837,000 | 920 |
| Average equity | $71,831,800 | 922 |
| Average total loans | $563,127,400 | 844 |