Home > First Federal Bank of Louisiana > Performance and Condition Ratios
First Federal Bank of Louisiana, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4337% | 3,962 |
| Cost of funding earning assets | 1.8781% | 2,246 |
| Net interest margin | 2.5556% | 3,980 |
| Noninterest income to average assets | 0.6000% | 1,343 |
| Noninterest expense to average assets | 2.6020% | 2,011 |
| Loan and lease loss provision to assets | -0.0500% | 4,271 |
| Net operating income to assets | 0.3467% | 3,805 |
| Return on assets (ROA) | 0.3478% | 3,828 |
| Pretax return on assets | 0.4369% | 3,802 |
| Return on Equity (ROE) | 3.4400% | 3,793 |
| Retained earnings to average equity (ytd only) | 3.4403% | 2,984 |
| Net charge-offs to loans | 0.0192% | 1,618 |
| Credit loss provision to net charge-offs | -187.5000% | 4,394 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 1,165 |
| Efficiency ratio | 87.1299% | 607 |
| Assets per employee ($millions) | 5.8017% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7972% | 3,868 |
| Loan loss allowance to noncurrent loans | 29.4163% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.5938% | 365 |
| Noncurrent loans to loans | 2.7099% | 271 |
| Net loans and leases to total assets | 57.0800% | 3,122 |
| Net loans and leases to deposits | 64.8951% | 3,214 |
| Net loans and leases to core deposits | 70.1896% | 3,281 |
| Total domestic deposits to total assets | 87.9500% | 1,571 |
| Equity capital to assets | 10.1839% | 2,108 |
| Core capital (leverage) ratio | 11.7615% | 1,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4496% | 550 |
| Memoranda: | ||
| Average total assets | $1,148,971,000 | 913 |
| Average earning assets | $1,070,888,500 | 900 |
| Average equity | $116,152,500 | 923 |
| Average total loans | $666,823,500 | 1,071 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4676% | 3,907 |
| Cost of funding earning assets | 1.8910% | 2,482 |
| Net interest margin | 2.5766% | 3,808 |
| Noninterest income to average assets | 0.6700% | 1,265 |
| Noninterest expense to average assets | 2.6251% | 1,948 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.3289% | 3,796 |
| Return on assets (ROA) | 0.3285% | 3,825 |
| Pretax return on assets | 0.4102% | 3,780 |
| Return on Equity (ROE) | 3.2700% | 3,815 |
| Retained earnings to average equity (ytd only) | 3.2726% | 2,927 |
| Net charge-offs to loans | 0.0179% | 2,269 |
| Credit loss provision to net charge-offs | 323.7288% | 824 |
| Earnings coverage of net charge-offs (x) | 42.4746% | 1,302 |
| Efficiency ratio | 85.4400% | 712 |
| Assets per employee ($millions) | 5.7455% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8129% | 3,840 |
| Loan loss allowance to noncurrent loans | 29.7947% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.6239% | 315 |
| Noncurrent loans to loans | 2.7283% | 235 |
| Net loans and leases to total assets | 58.0700% | 3,096 |
| Net loans and leases to deposits | 65.9675% | 3,212 |
| Net loans and leases to core deposits | 71.3387% | 3,289 |
| Total domestic deposits to total assets | 88.0300% | 1,505 |
| Equity capital to assets | 10.0331% | 2,109 |
| Core capital (leverage) ratio | 11.8057% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2400% | 577 |
| Memoranda: | ||
| Average total assets | $1,120,394,000 | 927 |
| Average earning assets | $1,043,446,600 | 913 |
| Average equity | $112,479,600 | 917 |
| Average total loans | $658,162,400 | 1,058 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4540% | 3,899 |
| Cost of funding earning assets | 1.8755% | 2,531 |
| Net interest margin | 2.5785% | 3,790 |
| Noninterest income to average assets | 0.9900% | 606 |
| Noninterest expense to average assets | 2.6504% | 1,812 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.5854% | 3,264 |
| Return on assets (ROA) | 0.5860% | 3,291 |
| Pretax return on assets | 0.7361% | 3,179 |
| Return on Equity (ROE) | 5.7800% | 3,366 |
| Retained earnings to average equity (ytd only) | 5.7838% | 2,170 |
| Net charge-offs to loans | 0.0167% | 2,055 |
| Credit loss provision to net charge-offs | 130.4878% | 1,411 |
| Earnings coverage of net charge-offs (x) | 75.6098% | 960 |
| Efficiency ratio | 78.1582% | 1,211 |
| Assets per employee ($millions) | 5.5573% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7715% | 3,964 |
| Loan loss allowance to noncurrent loans | 28.2355% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.6408% | 290 |
| Noncurrent loans to loans | 2.7325% | 240 |
| Net loans and leases to total assets | 59.5800% | 2,958 |
| Net loans and leases to deposits | 68.1692% | 3,105 |
| Net loans and leases to core deposits | 72.8778% | 3,247 |
| Total domestic deposits to total assets | 87.4100% | 1,455 |
| Equity capital to assets | 10.7255% | 1,856 |
| Core capital (leverage) ratio | 12.1233% | 1,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3635% | 567 |
| Memoranda: | ||
| Average total assets | $1,116,092,000 | 919 |
| Average earning assets | $1,039,858,000 | 910 |
| Average equity | $113,071,500 | 910 |
| Average total loans | $656,195,500 | 1,061 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4319% | 3,876 |
| Cost of funding earning assets | 1.8435% | 2,518 |
| Net interest margin | 2.5883% | 3,758 |
| Noninterest income to average assets | 1.1400% | 489 |
| Noninterest expense to average assets | 2.6960% | 1,690 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.6750% | 2,993 |
| Return on assets (ROA) | 0.6743% | 3,025 |
| Pretax return on assets | 0.8471% | 2,881 |
| Return on Equity (ROE) | 6.7900% | 3,053 |
| Retained earnings to average equity (ytd only) | 6.7890% | 1,722 |
| Net charge-offs to loans | 0.0003% | 2,615 |
| Credit loss provision to net charge-offs | 4,700.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 4,789.0000% | 9 |
| Efficiency ratio | 75.8497% | 1,476 |
| Assets per employee ($millions) | 5.5676% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7900% | 3,957 |
| Loan loss allowance to noncurrent loans | 28.3872% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.6604% | 273 |
| Noncurrent loans to loans | 2.7829% | 217 |
| Net loans and leases to total assets | 59.1900% | 3,022 |
| Net loans and leases to deposits | 67.4502% | 3,159 |
| Net loans and leases to core deposits | 71.9313% | 3,276 |
| Total domestic deposits to total assets | 87.7600% | 1,409 |
| Equity capital to assets | 10.2912% | 1,909 |
| Core capital (leverage) ratio | 11.9146% | 1,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5640% | 560 |
| Memoranda: | ||
| Average total assets | $1,115,783,333 | 922 |
| Average earning assets | $1,039,519,000 | 905 |
| Average equity | $110,826,667 | 917 |
| Average total loans | $651,346,667 | 1,070 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3671% | 3,877 |
| Cost of funding earning assets | 1.7867% | 2,543 |
| Net interest margin | 2.5804% | 3,742 |
| Noninterest income to average assets | 0.6800% | 1,089 |
| Noninterest expense to average assets | 2.6709% | 1,760 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.2708% | 3,871 |
| Return on assets (ROA) | 0.2694% | 3,911 |
| Pretax return on assets | 0.3385% | 3,861 |
| Return on Equity (ROE) | 2.7600% | 3,892 |
| Retained earnings to average equity (ytd only) | 2.7612% | 3,050 |
| Net charge-offs to loans | 0.0031% | 2,053 |
| Credit loss provision to net charge-offs | 2,980.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 229.6000% | 379 |
| Efficiency ratio | 86.7176% | 748 |
| Assets per employee ($millions) | 5.5157% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8100% | 3,913 |
| Loan loss allowance to noncurrent loans | 432.9518% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 2,907 |
| Noncurrent loans to loans | 0.1871% | 2,689 |
| Net loans and leases to total assets | 57.3400% | 3,095 |
| Net loans and leases to deposits | 64.7802% | 3,246 |
| Net loans and leases to core deposits | 69.0809% | 3,377 |
| Total domestic deposits to total assets | 88.5200% | 1,250 |
| Equity capital to assets | 9.6413% | 2,236 |
| Core capital (leverage) ratio | 11.6560% | 1,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1097% | 598 |
| Memoranda: | ||
| Average total assets | $1,122,485,000 | 920 |
| Average earning assets | $1,045,723,500 | 904 |
| Average equity | $109,516,000 | 927 |
| Average total loans | $648,149,500 | 1,074 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0826% | 3,835 |
| Cost of funding earning assets | 1.2960% | 2,529 |
| Net interest margin | 2.7866% | 3,688 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.5305% | 2,215 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.4780% | 3,718 |
| Return on assets (ROA) | 0.4794% | 3,711 |
| Pretax return on assets | 0.6014% | 3,631 |
| Return on Equity (ROE) | 5.2500% | 3,681 |
| Retained earnings to average equity (ytd only) | 5.2457% | 2,509 |
| Net charge-offs to loans | 0.0243% | 1,828 |
| Credit loss provision to net charge-offs | 521.8543% | 645 |
| Earnings coverage of net charge-offs (x) | 50.3046% | 1,294 |
| Efficiency ratio | 79.2152% | 969 |
| Assets per employee ($millions) | 5.5713% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8014% | 3,957 |
| Loan loss allowance to noncurrent loans | 460.2324% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 2,854 |
| Noncurrent loans to loans | 0.1741% | 2,648 |
| Net loans and leases to total assets | 57.2100% | 3,107 |
| Net loans and leases to deposits | 64.7545% | 3,249 |
| Net loans and leases to core deposits | 68.6644% | 3,372 |
| Total domestic deposits to total assets | 88.3500% | 1,246 |
| Equity capital to assets | 9.8735% | 2,079 |
| Core capital (leverage) ratio | 11.6211% | 1,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4184% | 577 |
| Memoranda: | ||
| Average total assets | $1,144,024,000 | 884 |
| Average earning assets | $1,064,664,200 | 873 |
| Average equity | $104,562,600 | 916 |
| Average total loans | $620,566,800 | 1,066 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0231% | 3,810 |
| Cost of funding earning assets | 1.1737% | 2,516 |
| Net interest margin | 2.8494% | 3,644 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.5490% | 2,087 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.5083% | 3,746 |
| Return on assets (ROA) | 0.5086% | 3,744 |
| Pretax return on assets | 0.6388% | 3,663 |
| Return on Equity (ROE) | 5.6700% | 3,695 |
| Retained earnings to average equity (ytd only) | 5.6743% | 2,724 |
| Net charge-offs to loans | 0.0212% | 1,684 |
| Credit loss provision to net charge-offs | 628.5714% | 542 |
| Earnings coverage of net charge-offs (x) | 62.5714% | 1,185 |
| Efficiency ratio | 78.2136% | 995 |
| Assets per employee ($millions) | 5.3755% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8026% | 3,975 |
| Loan loss allowance to noncurrent loans | 581.6185% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,076 |
| Noncurrent loans to loans | 0.1380% | 2,864 |
| Net loans and leases to total assets | 55.8800% | 3,212 |
| Net loans and leases to deposits | 62.8404% | 3,343 |
| Net loans and leases to core deposits | 66.6303% | 3,397 |
| Total domestic deposits to total assets | 88.9200% | 1,286 |
| Equity capital to assets | 9.2584% | 2,249 |
| Core capital (leverage) ratio | 11.4144% | 1,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6751% | 576 |
| Memoranda: | ||
| Average total assets | $1,151,466,750 | 884 |
| Average earning assets | $1,071,456,250 | 867 |
| Average equity | $103,199,250 | 920 |
| Average total loans | $615,052,250 | 1,073 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9248% | 3,826 |
| Cost of funding earning assets | 1.0536% | 2,441 |
| Net interest margin | 2.8712% | 3,700 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.5545% | 2,050 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.5016% | 3,806 |
| Return on assets (ROA) | 0.5040% | 3,810 |
| Pretax return on assets | 0.6331% | 3,737 |
| Return on Equity (ROE) | 5.6800% | 3,762 |
| Retained earnings to average equity (ytd only) | 5.6828% | 2,731 |
| Net charge-offs to loans | 0.0442% | 1,063 |
| Credit loss provision to net charge-offs | 325.9259% | 819 |
| Earnings coverage of net charge-offs (x) | 30.4296% | 1,542 |
| Efficiency ratio | 78.3562% | 980 |
| Assets per employee ($millions) | 5.5066% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7712% | 4,073 |
| Loan loss allowance to noncurrent loans | 578.3914% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 3,031 |
| Noncurrent loans to loans | 0.1333% | 2,804 |
| Net loans and leases to total assets | 54.9200% | 3,200 |
| Net loans and leases to deposits | 62.2694% | 3,290 |
| Net loans and leases to core deposits | 65.6266% | 3,373 |
| Total domestic deposits to total assets | 88.1900% | 1,537 |
| Equity capital to assets | 9.2438% | 2,352 |
| Core capital (leverage) ratio | 11.1651% | 1,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5123% | 592 |
| Memoranda: | ||
| Average total assets | $1,164,379,000 | 867 |
| Average earning assets | $1,084,094,000 | 853 |
| Average equity | $103,258,667 | 917 |
| Average total loans | $611,126,333 | 1,066 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8317% | 3,796 |
| Cost of funding earning assets | 0.8896% | 2,405 |
| Net interest margin | 2.9421% | 3,718 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.4603% | 2,348 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.5928% | 3,703 |
| Return on assets (ROA) | 0.5979% | 3,663 |
| Pretax return on assets | 0.7512% | 3,559 |
| Return on Equity (ROE) | 6.8800% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.8813% | 2,527 |
| Net charge-offs to loans | -0.0013% | 3,357 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.9900% | 1,341 |
| Assets per employee ($millions) | 5.6953% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7956% | 4,098 |
| Loan loss allowance to noncurrent loans | 501.5416% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 2,279 |
| Noncurrent loans to loans | 0.1586% | 2,694 |
| Net loans and leases to total assets | 52.1200% | 3,338 |
| Net loans and leases to deposits | 58.9969% | 3,395 |
| Net loans and leases to core deposits | 61.8794% | 3,452 |
| Total domestic deposits to total assets | 88.3400% | 1,797 |
| Equity capital to assets | 9.0087% | 2,512 |
| Core capital (leverage) ratio | 10.7399% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5608% | 603 |
| Memoranda: | ||
| Average total assets | $1,182,139,000 | 874 |
| Average earning assets | $1,100,285,500 | 863 |
| Average equity | $102,713,000 | 927 |
| Average total loans | $604,324,000 | 1,083 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9466% | 4,195 |
| Cost of funding earning assets | 0.5056% | 1,349 |
| Net interest margin | 2.4410% | 4,332 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.2911% | 2,764 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.5513% | 3,987 |
| Return on assets (ROA) | 0.5485% | 3,957 |
| Pretax return on assets | 0.6890% | 3,870 |
| Return on Equity (ROE) | 6.7500% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.7537% | 2,339 |
| Net charge-offs to loans | 0.0274% | 1,511 |
| Credit loss provision to net charge-offs | 101.2821% | 1,547 |
| Earnings coverage of net charge-offs (x) | 56.9038% | 1,292 |
| Efficiency ratio | 76.4692% | 964 |
| Assets per employee ($millions) | 5.7261% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6313% | 4,304 |
| Loan loss allowance to noncurrent loans | 482.4134% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 2,454 |
| Noncurrent loans to loans | 0.1309% | 2,857 |
| Net loans and leases to total assets | 49.4300% | 3,550 |
| Net loans and leases to deposits | 55.5498% | 3,600 |
| Net loans and leases to core deposits | 57.5462% | 3,642 |
| Total domestic deposits to total assets | 88.9800% | 1,724 |
| Equity capital to assets | 8.3765% | 2,786 |
| Core capital (leverage) ratio | 10.2889% | 2,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9321% | 550 |
| Memoranda: | ||
| Average total assets | $1,259,151,200 | 813 |
| Average earning assets | $1,178,571,000 | 804 |
| Average equity | $102,270,000 | 929 |
| Average total loans | $569,724,600 | 1,075 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7175% | 4,282 |
| Cost of funding earning assets | 0.4425% | 1,016 |
| Net interest margin | 2.2750% | 4,422 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.2800% | 2,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4994% | 4,073 |
| Return on assets (ROA) | 0.4956% | 4,035 |
| Pretax return on assets | 0.5953% | 3,999 |
| Return on Equity (ROE) | 6.1500% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.1465% | 2,701 |
| Net charge-offs to loans | 0.0166% | 1,521 |
| Credit loss provision to net charge-offs | 11.4286% | 1,654 |
| Earnings coverage of net charge-offs (x) | 82.0571% | 1,032 |
| Efficiency ratio | 79.1453% | 827 |
| Assets per employee ($millions) | 6.0345% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6377% | 4,348 |
| Loan loss allowance to noncurrent loans | 308.3472% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 2,379 |
| Noncurrent loans to loans | 0.2068% | 2,566 |
| Net loans and leases to total assets | 46.5300% | 3,726 |
| Net loans and leases to deposits | 51.9302% | 3,737 |
| Net loans and leases to core deposits | 53.3354% | 3,788 |
| Total domestic deposits to total assets | 89.6000% | 1,828 |
| Equity capital to assets | 7.8602% | 2,982 |
| Core capital (leverage) ratio | 9.5668% | 2,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4184% | 528 |
| Memoranda: | ||
| Average total assets | $1,274,752,500 | 810 |
| Average earning assets | $1,193,997,750 | 801 |
| Average equity | $102,776,000 | 943 |
| Average total loans | $563,333,000 | 1,080 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4927% | 4,379 |
| Cost of funding earning assets | 0.4180% | 821 |
| Net interest margin | 2.0747% | 4,522 |
| Noninterest income to average assets | 0.6256% | 1,631 |
| Noninterest expense to average assets | 2.2361% | 2,749 |
| Loan and lease loss provision to assets | -0.0071% | 4,388 |
| Net operating income to assets | 0.2717% | 4,336 |
| Return on assets (ROA) | 0.2677% | 4,295 |
| Pretax return on assets | 0.3356% | 4,248 |
| Return on Equity (ROE) | 3.2937% | 4,174 |
| Retained earnings to average equity (ytd only) | 3.2937% | 3,352 |
| Net charge-offs to loans | 0.0251% | 1,223 |
| Credit loss provision to net charge-offs | -65.7143% | 3,060 |
| Earnings coverage of net charge-offs (x) | 30.6571% | 1,378 |
| Efficiency ratio | 87.0246% | 536 |
| Assets per employee ($millions) | 5.8152% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6395% | 4,421 |
| Loan loss allowance to noncurrent loans | 296.4169% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 2,416 |
| Noncurrent loans to loans | 0.2157% | 2,641 |
| Net loans and leases to total assets | 44.8195% | 3,766 |
| Net loans and leases to deposits | 50.6577% | 3,776 |
| Net loans and leases to core deposits | 52.2011% | 3,810 |
| Total domestic deposits to total assets | 88.4752% | 2,394 |
| Equity capital to assets | 7.2917% | 3,603 |
| Core capital (leverage) ratio | 9.1470% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0880% | 528 |
| Memoranda: | ||
| Average total assets | $1,287,315,333 | 803 |
| Average earning assets | $1,206,168,333 | 795 |
| Average equity | $104,622,667 | 936 |
| Average total loans | $558,018,667 | 1,077 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3549% | 4,413 |
| Cost of funding earning assets | 0.4085% | 828 |
| Net interest margin | 1.9464% | 4,548 |
| Noninterest income to average assets | 0.6021% | 1,688 |
| Noninterest expense to average assets | 2.1698% | 2,921 |
| Loan and lease loss provision to assets | -0.0200% | 4,448 |
| Net operating income to assets | 0.2232% | 4,293 |
| Return on assets (ROA) | 0.2188% | 4,267 |
| Pretax return on assets | 0.2735% | 4,222 |
| Return on Equity (ROE) | 2.5639% | 4,172 |
| Retained earnings to average equity (ytd only) | 2.5639% | 3,395 |
| Net charge-offs to loans | 0.0290% | 1,025 |
| Credit loss provision to net charge-offs | -162.5000% | 2,942 |
| Earnings coverage of net charge-offs (x) | 21.0500% | 1,266 |
| Efficiency ratio | 89.3337% | 580 |
| Assets per employee ($millions) | 6.2512% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6611% | 4,449 |
| Loan loss allowance to noncurrent loans | 369.1608% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 2,636 |
| Noncurrent loans to loans | 0.1791% | 2,920 |
| Net loans and leases to total assets | 41.9887% | 3,881 |
| Net loans and leases to deposits | 47.7159% | 3,883 |
| Net loans and leases to core deposits | 49.4773% | 3,901 |
| Total domestic deposits to total assets | 87.9972% | 2,523 |
| Equity capital to assets | 7.9061% | 3,639 |
| Core capital (leverage) ratio | 9.2210% | 3,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7809% | 506 |
| Memoranda: | ||
| Average total assets | $1,300,019,000 | 803 |
| Average earning assets | $1,220,092,000 | 793 |
| Average equity | $110,926,500 | 924 |
| Average total loans | $552,417,500 | 1,074 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4862% | 4,489 |
| Cost of funding earning assets | 0.4662% | 1,089 |
| Net interest margin | 2.0200% | 4,589 |
| Noninterest income to average assets | 0.6067% | 2,124 |
| Noninterest expense to average assets | 2.1873% | 3,126 |
| Loan and lease loss provision to assets | -0.0148% | 4,195 |
| Net operating income to assets | 0.2826% | 4,445 |
| Return on assets (ROA) | 0.2818% | 4,470 |
| Pretax return on assets | 0.3244% | 4,468 |
| Return on Equity (ROE) | 2.9511% | 4,364 |
| Retained earnings to average equity (ytd only) | 2.9511% | 3,647 |
| Net charge-offs to loans | -0.0031% | 3,445 |
| Credit loss provision to net charge-offs | 1,027.7778% | 524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5665% | 403 |
| Assets per employee ($millions) | 6.1305% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6797% | 4,457 |
| Loan loss allowance to noncurrent loans | 347.1349% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 2,714 |
| Noncurrent loans to loans | 0.1958% | 2,972 |
| Net loans and leases to total assets | 42.4298% | 3,955 |
| Net loans and leases to deposits | 48.9147% | 3,948 |
| Net loans and leases to core deposits | 50.4297% | 3,996 |
| Total domestic deposits to total assets | 86.7425% | 2,601 |
| Equity capital to assets | 9.1656% | 3,450 |
| Core capital (leverage) ratio | 9.3275% | 3,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1776% | 484 |
| Memoranda: | ||
| Average total assets | $1,249,316,600 | 800 |
| Average earning assets | $1,169,614,600 | 797 |
| Average equity | $119,277,400 | 870 |
| Average total loans | $584,275,600 | 1,037 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5300% | 4,552 |
| Cost of funding earning assets | 0.4842% | 1,135 |
| Net interest margin | 2.0458% | 4,656 |
| Noninterest income to average assets | 0.6160% | 2,144 |
| Noninterest expense to average assets | 2.1960% | 3,081 |
| Loan and lease loss provision to assets | -0.0119% | 4,325 |
| Net operating income to assets | 0.3030% | 4,513 |
| Return on assets (ROA) | 0.3022% | 4,540 |
| Pretax return on assets | 0.3453% | 4,553 |
| Return on Equity (ROE) | 3.1330% | 4,444 |
| Retained earnings to average equity (ytd only) | 3.1330% | 3,858 |
| Net charge-offs to loans | -0.0032% | 3,315 |
| Credit loss provision to net charge-offs | 785.7143% | 597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7872% | 408 |
| Assets per employee ($millions) | 6.0769% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6701% | 4,551 |
| Loan loss allowance to noncurrent loans | 339.8757% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 2,695 |
| Noncurrent loans to loans | 0.1971% | 3,161 |
| Net loans and leases to total assets | 44.6675% | 3,896 |
| Net loans and leases to deposits | 51.7492% | 3,901 |
| Net loans and leases to core deposits | 53.5264% | 3,948 |
| Total domestic deposits to total assets | 86.3155% | 2,630 |
| Equity capital to assets | 9.4620% | 3,412 |
| Core capital (leverage) ratio | 9.2605% | 3,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1138% | 528 |
| Memoranda: | ||
| Average total assets | $1,238,261,250 | 816 |
| Average earning assets | $1,158,690,250 | 809 |
| Average equity | $119,456,750 | 877 |
| Average total loans | $592,194,000 | 1,041 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5719% | 4,566 |
| Cost of funding earning assets | 0.5040% | 1,172 |
| Net interest margin | 2.0679% | 4,672 |
| Noninterest income to average assets | 0.5923% | 2,254 |
| Noninterest expense to average assets | 2.1907% | 3,124 |
| Loan and lease loss provision to assets | -0.0073% | 4,400 |
| Net operating income to assets | 0.2740% | 4,557 |
| Return on assets (ROA) | 0.2732% | 4,574 |
| Pretax return on assets | 0.3433% | 4,546 |
| Return on Equity (ROE) | 2.8133% | 4,506 |
| Retained earnings to average equity (ytd only) | 2.8133% | 3,900 |
| Net charge-offs to loans | -0.0027% | 3,260 |
| Credit loss provision to net charge-offs | 562.5000% | 646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6710% | 448 |
| Assets per employee ($millions) | 5.9678% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6633% | 4,586 |
| Loan loss allowance to noncurrent loans | 290.6507% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 2,735 |
| Noncurrent loans to loans | 0.2282% | 3,146 |
| Net loans and leases to total assets | 45.5687% | 3,932 |
| Net loans and leases to deposits | 53.1564% | 3,917 |
| Net loans and leases to core deposits | 55.0560% | 3,965 |
| Total domestic deposits to total assets | 85.7257% | 2,830 |
| Equity capital to assets | 9.3249% | 3,490 |
| Core capital (leverage) ratio | 9.2304% | 3,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2012% | 533 |
| Memoranda: | ||
| Average total assets | $1,227,655,333 | 814 |
| Average earning assets | $1,148,898,667 | 807 |
| Average equity | $119,217,333 | 874 |
| Average total loans | $599,212,000 | 1,033 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6719% | 4,509 |
| Cost of funding earning assets | 0.5240% | 1,246 |
| Net interest margin | 2.1479% | 4,655 |
| Noninterest income to average assets | 0.5902% | 2,250 |
| Noninterest expense to average assets | 2.2159% | 3,059 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3042% | 4,514 |
| Return on assets (ROA) | 0.3026% | 4,550 |
| Pretax return on assets | 0.3801% | 4,515 |
| Return on Equity (ROE) | 3.0516% | 4,465 |
| Retained earnings to average equity (ytd only) | 3.0516% | 3,766 |
| Net charge-offs to loans | 0.0132% | 1,484 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 57.4500% | 842 |
| Efficiency ratio | 85.2937% | 539 |
| Assets per employee ($millions) | 5.7408% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6523% | 4,632 |
| Loan loss allowance to noncurrent loans | 283.8545% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 2,886 |
| Noncurrent loans to loans | 0.2298% | 3,277 |
| Net loans and leases to total assets | 47.9388% | 3,827 |
| Net loans and leases to deposits | 56.1696% | 3,777 |
| Net loans and leases to core deposits | 58.8282% | 3,782 |
| Total domestic deposits to total assets | 85.3465% | 2,979 |
| Equity capital to assets | 9.5543% | 3,143 |
| Core capital (leverage) ratio | 9.7375% | 2,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1502% | 501 |
| Memoranda: | ||
| Average total assets | $1,202,933,500 | 821 |
| Average earning assets | $1,124,462,000 | 814 |
| Average equity | $119,282,000 | 868 |
| Average total loans | $605,896,500 | 1,015 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3587% | 4,254 |
| Cost of funding earning assets | 0.6626% | 1,915 |
| Net interest margin | 2.6960% | 4,381 |
| Noninterest income to average assets | 0.7175% | 1,801 |
| Noninterest expense to average assets | 2.7055% | 2,224 |
| Loan and lease loss provision to assets | 0.0692% | 3,515 |
| Net operating income to assets | 0.3519% | 4,339 |
| Return on assets (ROA) | 0.3871% | 4,355 |
| Pretax return on assets | 0.4793% | 4,304 |
| Return on Equity (ROE) | 3.2959% | 4,303 |
| Retained earnings to average equity (ytd only) | 3.2959% | 3,180 |
| Net charge-offs to loans | 0.0069% | 3,093 |
| Credit loss provision to net charge-offs | 1,654.7619% | 509 |
| Earnings coverage of net charge-offs (x) | 120.7619% | 704 |
| Efficiency ratio | 84.2680% | 610 |
| Assets per employee ($millions) | 5.4226% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6395% | 4,673 |
| Loan loss allowance to noncurrent loans | 247.3518% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 2,880 |
| Noncurrent loans to loans | 0.2585% | 3,267 |
| Net loans and leases to total assets | 52.2810% | 3,641 |
| Net loans and leases to deposits | 62.0490% | 3,602 |
| Net loans and leases to core deposits | 64.6058% | 3,652 |
| Total domestic deposits to total assets | 84.2576% | 3,028 |
| Equity capital to assets | 10.3005% | 2,837 |
| Core capital (leverage) ratio | 10.4511% | 2,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4801% | 545 |
| Memoranda: | ||
| Average total assets | $1,004,175,400 | 879 |
| Average earning assets | $928,587,200 | 880 |
| Average equity | $117,933,800 | 833 |
| Average total loans | $604,919,400 | 970 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5271% | 4,155 |
| Cost of funding earning assets | 0.6996% | 2,025 |
| Net interest margin | 2.8276% | 4,293 |
| Noninterest income to average assets | 0.7639% | 1,612 |
| Noninterest expense to average assets | 2.7275% | 2,178 |
| Loan and lease loss provision to assets | 0.0851% | 3,246 |
| Net operating income to assets | 0.4459% | 4,175 |
| Return on assets (ROA) | 0.4943% | 4,140 |
| Pretax return on assets | 0.6187% | 4,073 |
| Return on Equity (ROE) | 4.0580% | 4,144 |
| Retained earnings to average equity (ytd only) | 4.0580% | 3,017 |
| Net charge-offs to loans | 0.0069% | 2,876 |
| Credit loss provision to net charge-offs | 1,983.8710% | 481 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 601 |
| Efficiency ratio | 80.9152% | 807 |
| Assets per employee ($millions) | 4.7555% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6176% | 4,704 |
| Loan loss allowance to noncurrent loans | 178.7570% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 2,616 |
| Noncurrent loans to loans | 0.3455% | 3,047 |
| Net loans and leases to total assets | 60.6623% | 3,144 |
| Net loans and leases to deposits | 74.0743% | 2,949 |
| Net loans and leases to core deposits | 78.0948% | 2,996 |
| Total domestic deposits to total assets | 81.8939% | 3,449 |
| Equity capital to assets | 11.7350% | 1,853 |
| Core capital (leverage) ratio | 11.6338% | 1,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1497% | 573 |
| Memoranda: | ||
| Average total assets | $963,753,250 | 902 |
| Average earning assets | $888,516,000 | 899 |
| Average equity | $117,394,750 | 836 |
| Average total loans | $602,787,250 | 965 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6162% | 4,233 |
| Cost of funding earning assets | 0.7214% | 2,282 |
| Net interest margin | 2.8948% | 4,315 |
| Noninterest income to average assets | 0.7791% | 1,491 |
| Noninterest expense to average assets | 2.8208% | 2,047 |
| Loan and lease loss provision to assets | 0.0943% | 3,094 |
| Net operating income to assets | 0.4244% | 4,176 |
| Return on assets (ROA) | 0.4984% | 4,100 |
| Pretax return on assets | 0.6261% | 4,012 |
| Return on Equity (ROE) | 4.0384% | 4,093 |
| Retained earnings to average equity (ytd only) | 4.0384% | 2,886 |
| Net charge-offs to loans | 0.0081% | 2,658 |
| Credit loss provision to net charge-offs | 1,854.1667% | 512 |
| Earnings coverage of net charge-offs (x) | 123.5000% | 610 |
| Efficiency ratio | 81.7947% | 766 |
| Assets per employee ($millions) | 4.6663% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5998% | 4,742 |
| Loan loss allowance to noncurrent loans | 179.6107% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.3870% | 2,746 |
| Noncurrent loans to loans | 0.3340% | 3,195 |
| Net loans and leases to total assets | 61.2524% | 3,192 |
| Net loans and leases to deposits | 76.0518% | 2,858 |
| Net loans and leases to core deposits | 80.9956% | 2,869 |
| Total domestic deposits to total assets | 80.5404% | 3,716 |
| Equity capital to assets | 11.9129% | 1,719 |
| Core capital (leverage) ratio | 11.7976% | 1,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0474% | 575 |
| Memoranda: | ||
| Average total assets | $944,197,000 | 896 |
| Average earning assets | $870,747,333 | 899 |
| Average equity | $116,532,667 | 831 |
| Average total loans | $595,690,000 | 968 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 4,297 |
| Cost of funding earning assets | 0.7683% | 2,554 |
| Net interest margin | 2.9820% | 4,313 |
| Noninterest income to average assets | 0.8270% | 1,236 |
| Noninterest expense to average assets | 3.0382% | 1,788 |
| Loan and lease loss provision to assets | 0.1243% | 2,145 |
| Net operating income to assets | 0.3273% | 4,287 |
| Return on assets (ROA) | 0.4781% | 4,003 |
| Pretax return on assets | 0.6007% | 3,917 |
| Return on Equity (ROE) | 3.8017% | 4,003 |
| Retained earnings to average equity (ytd only) | 3.8017% | 2,756 |
| Net charge-offs to loans | 0.0048% | 2,407 |
| Credit loss provision to net charge-offs | 4,071.4286% | 200 |
| Earnings coverage of net charge-offs (x) | 175.7143% | 377 |
| Efficiency ratio | 84.9908% | 767 |
| Assets per employee ($millions) | 4.2777% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6043% | 4,750 |
| Loan loss allowance to noncurrent loans | 163.5023% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.4248% | 2,773 |
| Noncurrent loans to loans | 0.3696% | 3,164 |
| Net loans and leases to total assets | 62.2884% | 3,271 |
| Net loans and leases to deposits | 78.5212% | 2,834 |
| Net loans and leases to core deposits | 84.5910% | 2,800 |
| Total domestic deposits to total assets | 79.3269% | 3,988 |
| Equity capital to assets | 12.4965% | 1,732 |
| Core capital (leverage) ratio | 12.4122% | 1,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4956% | 698 |
| Memoranda: | ||
| Average total assets | $916,997,000 | 898 |
| Average earning assets | $844,949,500 | 897 |
| Average equity | $115,318,000 | 832 |
| Average total loans | $585,857,000 | 958 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9721% | 4,320 |
| Cost of funding earning assets | 0.8503% | 2,430 |
| Net interest margin | 3.1217% | 4,335 |
| Noninterest income to average assets | 0.8665% | 1,256 |
| Noninterest expense to average assets | 3.0740% | 1,824 |
| Loan and lease loss provision to assets | 0.0636% | 2,762 |
| Net operating income to assets | 0.4875% | 4,431 |
| Return on assets (ROA) | 0.4847% | 4,489 |
| Pretax return on assets | 0.6054% | 4,400 |
| Return on Equity (ROE) | 3.8808% | 4,489 |
| Retained earnings to average equity (ytd only) | 3.8808% | 3,028 |
| Net charge-offs to loans | 0.0232% | 2,945 |
| Credit loss provision to net charge-offs | 420.3008% | 681 |
| Earnings coverage of net charge-offs (x) | 44.4286% | 1,220 |
| Efficiency ratio | 81.9886% | 801 |
| Assets per employee ($millions) | 4.0781% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5593% | 4,806 |
| Loan loss allowance to noncurrent loans | 138.0329% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.2641% | 3,376 |
| Noncurrent loans to loans | 0.4052% | 2,986 |
| Net loans and leases to total assets | 64.7997% | 3,097 |
| Net loans and leases to deposits | 82.2628% | 2,531 |
| Net loans and leases to core deposits | 87.9838% | 2,608 |
| Total domestic deposits to total assets | 78.7716% | 4,225 |
| Equity capital to assets | 12.6582% | 1,731 |
| Core capital (leverage) ratio | 12.4843% | 1,493 |
| Tier 1 risk-based capital ratio | 20.4431% | 1,259 |
| Total risk-based capital ratio | 21.1283% | 1,309 |
| Memoranda: | ||
| Average total assets | $878,638,800 | 896 |
| Average earning assets | $810,608,400 | 895 |
| Average equity | $109,746,000 | 830 |
| Average total loans | $574,061,000 | 948 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9827% | 4,397 |
| Cost of funding earning assets | 0.8673% | 2,377 |
| Net interest margin | 3.1154% | 4,453 |
| Noninterest income to average assets | 0.8807% | 1,186 |
| Noninterest expense to average assets | 3.1029% | 1,708 |
| Loan and lease loss provision to assets | 0.0731% | 2,424 |
| Net operating income to assets | 0.4612% | 4,603 |
| Return on assets (ROA) | 0.4578% | 4,645 |
| Pretax return on assets | 0.5751% | 4,589 |
| Return on Equity (ROE) | 3.6779% | 4,641 |
| Retained earnings to average equity (ytd only) | 3.6779% | 3,561 |
| Net charge-offs to loans | 0.0198% | 2,712 |
| Credit loss provision to net charge-offs | 563.5294% | 570 |
| Earnings coverage of net charge-offs (x) | 50.3178% | 1,185 |
| Efficiency ratio | 82.5446% | 720 |
| Assets per employee ($millions) | 4.0045% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5507% | 4,898 |
| Loan loss allowance to noncurrent loans | 164.9516% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 3,685 |
| Noncurrent loans to loans | 0.3339% | 3,339 |
| Net loans and leases to total assets | 66.6719% | 2,965 |
| Net loans and leases to deposits | 85.2221% | 2,295 |
| Net loans and leases to core deposits | 90.2287% | 2,532 |
| Total domestic deposits to total assets | 78.2331% | 4,306 |
| Equity capital to assets | 12.7996% | 1,733 |
| Core capital (leverage) ratio | 12.5919% | 1,530 |
| Tier 1 risk-based capital ratio | 20.5654% | 1,266 |
| Total risk-based capital ratio | 21.2566% | 1,332 |
| Memoranda: | ||
| Average total assets | $874,005,000 | 899 |
| Average earning assets | $806,473,250 | 896 |
| Average equity | $108,791,000 | 834 |
| Average total loans | $571,417,250 | 949 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9531% | 4,477 |
| Cost of funding earning assets | 0.8633% | 2,330 |
| Net interest margin | 3.0898% | 4,552 |
| Noninterest income to average assets | 0.8831% | 1,111 |
| Noninterest expense to average assets | 3.1205% | 1,681 |
| Loan and lease loss provision to assets | 0.0777% | 2,258 |
| Net operating income to assets | 0.4297% | 4,675 |
| Return on assets (ROA) | 0.4240% | 4,714 |
| Pretax return on assets | 0.5329% | 4,648 |
| Return on Equity (ROE) | 3.4393% | 4,698 |
| Retained earnings to average equity (ytd only) | 3.4393% | 3,520 |
| Net charge-offs to loans | 0.0307% | 2,241 |
| Credit loss provision to net charge-offs | 389.6552% | 732 |
| Earnings coverage of net charge-offs (x) | 30.9885% | 1,437 |
| Efficiency ratio | 83.3548% | 705 |
| Assets per employee ($millions) | 3.8889% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5432% | 4,960 |
| Loan loss allowance to noncurrent loans | 129.2693% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.2781% | 3,449 |
| Noncurrent loans to loans | 0.4202% | 3,028 |
| Net loans and leases to total assets | 64.7828% | 3,263 |
| Net loans and leases to deposits | 82.9132% | 2,627 |
| Net loans and leases to core deposits | 87.9762% | 2,799 |
| Total domestic deposits to total assets | 78.1332% | 4,368 |
| Equity capital to assets | 12.6950% | 1,745 |
| Core capital (leverage) ratio | 12.4619% | 1,553 |
| Tier 1 risk-based capital ratio | 20.8087% | 1,201 |
| Total risk-based capital ratio | 21.4950% | 1,272 |
| Memoranda: | ||
| Average total assets | $873,012,330 | 898 |
| Average earning assets | $806,648,000 | 892 |
| Average equity | $107,638,000 | 834 |
| Average total loans | $565,910,000 | 953 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 4,490 |
| Cost of funding earning assets | 0.8572% | 2,233 |
| Net interest margin | 3.0802% | 4,620 |
| Noninterest income to average assets | 0.8422% | 1,184 |
| Noninterest expense to average assets | 3.0426% | 1,869 |
| Loan and lease loss provision to assets | 0.1050% | 1,686 |
| Net operating income to assets | 0.4311% | 4,664 |
| Return on assets (ROA) | 0.4179% | 4,704 |
| Pretax return on assets | 0.5248% | 4,631 |
| Return on Equity (ROE) | 3.4404% | 4,688 |
| Retained earnings to average equity (ytd only) | 3.4404% | 3,537 |
| Net charge-offs to loans | 0.0135% | 2,218 |
| Credit loss provision to net charge-offs | 1,205.2632% | 320 |
| Earnings coverage of net charge-offs (x) | 74.1579% | 812 |
| Efficiency ratio | 82.2308% | 851 |
| Assets per employee ($millions) | 3.9150% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5460% | 5,025 |
| Loan loss allowance to noncurrent loans | 114.6341% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 3,392 |
| Noncurrent loans to loans | 0.4763% | 2,888 |
| Net loans and leases to total assets | 62.6176% | 3,448 |
| Net loans and leases to deposits | 79.4548% | 2,898 |
| Net loans and leases to core deposits | 85.7892% | 2,886 |
| Total domestic deposits to total assets | 78.8090% | 4,383 |
| Equity capital to assets | 12.0599% | 1,988 |
| Core capital (leverage) ratio | 12.3306% | 1,590 |
| Tier 1 risk-based capital ratio | 21.1160% | 1,148 |
| Total risk-based capital ratio | 21.7967% | 1,218 |
| Memoranda: | ||
| Average total assets | $872,019,500 | 899 |
| Average earning assets | $805,915,000 | 895 |
| Average equity | $105,916,500 | 843 |
| Average total loans | $563,893,000 | 959 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 4,463 |
| Cost of funding earning assets | 0.6421% | 2,449 |
| Net interest margin | 3.1694% | 4,539 |
| Noninterest income to average assets | 0.8047% | 1,432 |
| Noninterest expense to average assets | 3.1492% | 1,678 |
| Loan and lease loss provision to assets | 0.0173% | 3,811 |
| Net operating income to assets | 0.4522% | 4,763 |
| Return on assets (ROA) | 0.4522% | 4,761 |
| Pretax return on assets | 0.5681% | 4,688 |
| Return on Equity (ROE) | 3.7114% | 4,775 |
| Retained earnings to average equity (ytd only) | 3.7114% | 3,535 |
| Net charge-offs to loans | 0.0038% | 3,595 |
| Credit loss provision to net charge-offs | 685.7143% | 506 |
| Earnings coverage of net charge-offs (x) | 232.3810% | 403 |
| Efficiency ratio | 84.0153% | 651 |
| Assets per employee ($millions) | 3.8703% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5005% | 5,122 |
| Loan loss allowance to noncurrent loans | 96.5049% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 3,171 |
| Noncurrent loans to loans | 0.5186% | 2,721 |
| Net loans and leases to total assets | 66.1030% | 3,118 |
| Net loans and leases to deposits | 84.4507% | 2,465 |
| Net loans and leases to core deposits | 90.0598% | 2,571 |
| Total domestic deposits to total assets | 78.2740% | 4,445 |
| Equity capital to assets | 12.2357% | 1,740 |
| Core capital (leverage) ratio | 12.5284% | 1,439 |
| Tier 1 risk-based capital ratio | 20.7998% | 1,181 |
| Total risk-based capital ratio | 21.4416% | 1,254 |
| Memoranda: | ||
| Average total assets | $833,725,200 | 916 |
| Average earning assets | $770,721,000 | 915 |
| Average equity | $101,579,800 | 840 |
| Average total loans | $557,308,200 | 948 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7666% | 4,511 |
| Cost of funding earning assets | 0.5917% | 2,531 |
| Net interest margin | 3.1749% | 4,561 |
| Noninterest income to average assets | 0.8106% | 1,435 |
| Noninterest expense to average assets | 3.1699% | 1,600 |
| Loan and lease loss provision to assets | 0.0151% | 3,709 |
| Net operating income to assets | 0.4422% | 4,871 |
| Return on assets (ROA) | 0.4422% | 4,877 |
| Pretax return on assets | 0.5597% | 4,802 |
| Return on Equity (ROE) | 3.6331% | 4,895 |
| Retained earnings to average equity (ytd only) | 3.6331% | 3,947 |
| Net charge-offs to loans | 0.0034% | 3,351 |
| Credit loss provision to net charge-offs | 671.4286% | 544 |
| Earnings coverage of net charge-offs (x) | 255.0193% | 361 |
| Efficiency ratio | 84.3363% | 626 |
| Assets per employee ($millions) | 3.8329% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4986% | 5,191 |
| Loan loss allowance to noncurrent loans | 108.9883% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3182% | 3,419 |
| Noncurrent loans to loans | 0.4575% | 3,014 |
| Net loans and leases to total assets | 66.2879% | 3,148 |
| Net loans and leases to deposits | 84.7445% | 2,509 |
| Net loans and leases to core deposits | 90.1310% | 2,654 |
| Total domestic deposits to total assets | 78.2209% | 4,455 |
| Equity capital to assets | 11.9445% | 1,946 |
| Core capital (leverage) ratio | 12.7174% | 1,407 |
| Tier 1 risk-based capital ratio | 20.8878% | 1,199 |
| Total risk-based capital ratio | 21.5302% | 1,262 |
| Memoranda: | ||
| Average total assets | $828,321,250 | 921 |
| Average earning assets | $765,476,750 | 919 |
| Average equity | $100,810,500 | 842 |
| Average total loans | $554,572,750 | 952 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7155% | 4,550 |
| Cost of funding earning assets | 0.5611% | 2,509 |
| Net interest margin | 3.1544% | 4,604 |
| Noninterest income to average assets | 0.7848% | 1,519 |
| Noninterest expense to average assets | 3.1508% | 1,658 |
| Loan and lease loss provision to assets | 0.0228% | 3,460 |
| Net operating income to assets | 0.4129% | 4,934 |
| Return on assets (ROA) | 0.4129% | 4,938 |
| Pretax return on assets | 0.5227% | 4,863 |
| Return on Equity (ROE) | 3.3717% | 4,953 |
| Retained earnings to average equity (ytd only) | 3.3717% | 3,894 |
| Net charge-offs to loans | 0.0047% | 3,006 |
| Credit loss provision to net charge-offs | 723.0769% | 546 |
| Earnings coverage of net charge-offs (x) | 172.7692% | 470 |
| Efficiency ratio | 84.9248% | 632 |
| Assets per employee ($millions) | 3.7321% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4978% | 5,262 |
| Loan loss allowance to noncurrent loans | 109.6673% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 3,416 |
| Noncurrent loans to loans | 0.4540% | 3,075 |
| Net loans and leases to total assets | 68.8341% | 2,749 |
| Net loans and leases to deposits | 88.9189% | 1,996 |
| Net loans and leases to core deposits | 93.7905% | 2,239 |
| Total domestic deposits to total assets | 77.4122% | 4,673 |
| Equity capital to assets | 12.3421% | 1,636 |
| Core capital (leverage) ratio | 12.7669% | 1,323 |
| Tier 1 risk-based capital ratio | 20.9007% | 1,197 |
| Total risk-based capital ratio | 21.5502% | 1,247 |
| Memoranda: | ||
| Average total assets | $823,347,000 | 929 |
| Average earning assets | $759,960,670 | 928 |
| Average equity | $100,840,330 | 846 |
| Average total loans | $552,173,670 | 957 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6232% | 4,654 |
| Cost of funding earning assets | 0.5381% | 2,489 |
| Net interest margin | 3.0851% | 4,732 |
| Noninterest income to average assets | 0.7587% | 1,595 |
| Noninterest expense to average assets | 3.0992% | 1,826 |
| Loan and lease loss provision to assets | 0.0097% | 3,392 |
| Net operating income to assets | 0.3946% | 4,934 |
| Return on assets (ROA) | 0.3946% | 4,940 |
| Pretax return on assets | 0.4994% | 4,872 |
| Return on Equity (ROE) | 3.2339% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.2339% | 3,914 |
| Net charge-offs to loans | -0.0102% | 4,258 |
| Credit loss provision to net charge-offs | -142.8571% | 3,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5709% | 676 |
| Assets per employee ($millions) | 3.7706% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5023% | 5,330 |
| Loan loss allowance to noncurrent loans | 105.6770% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 3,504 |
| Noncurrent loans to loans | 0.4753% | 3,098 |
| Net loans and leases to total assets | 65.4889% | 3,115 |
| Net loans and leases to deposits | 84.1007% | 2,380 |
| Net loans and leases to core deposits | 91.4381% | 2,337 |
| Total domestic deposits to total assets | 77.8696% | 4,746 |
| Equity capital to assets | 12.0085% | 1,780 |
| Core capital (leverage) ratio | 12.6016% | 1,346 |
| Tier 1 risk-based capital ratio | 21.3048% | 1,157 |
| Total risk-based capital ratio | 21.9516% | 1,224 |
| Memoranda: | ||
| Average total assets | $828,225,500 | 925 |
| Average earning assets | $764,960,500 | 927 |
| Average equity | $101,053,500 | 847 |
| Average total loans | $546,846,000 | 970 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5795% | 4,612 |
| Cost of funding earning assets | 0.5149% | 2,211 |
| Net interest margin | 3.0646% | 4,760 |
| Noninterest income to average assets | 0.7735% | 1,675 |
| Noninterest expense to average assets | 3.1308% | 1,772 |
| Loan and lease loss provision to assets | 0.0567% | 3,095 |
| Net operating income to assets | 0.1650% | 5,171 |
| Return on assets (ROA) | 0.1769% | 5,167 |
| Pretax return on assets | 0.4304% | 5,047 |
| Return on Equity (ROE) | 1.4120% | 5,167 |
| Retained earnings to average equity (ytd only) | 1.4120% | 4,442 |
| Net charge-offs to loans | 0.0200% | 3,436 |
| Credit loss provision to net charge-offs | 440.0000% | 709 |
| Earnings coverage of net charge-offs (x) | 36.3810% | 1,344 |
| Efficiency ratio | 86.6514% | 606 |
| Assets per employee ($millions) | 3.6584% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4991% | 5,385 |
| Loan loss allowance to noncurrent loans | 113.7066% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 3,697 |
| Noncurrent loans to loans | 0.4389% | 3,209 |
| Net loans and leases to total assets | 65.9049% | 3,114 |
| Net loans and leases to deposits | 85.2899% | 2,346 |
| Net loans and leases to core deposits | 92.7775% | 2,299 |
| Total domestic deposits to total assets | 77.2716% | 4,831 |
| Equity capital to assets | 12.3963% | 1,577 |
| Core capital (leverage) ratio | 12.6561% | 1,283 |
| Tier 1 risk-based capital ratio | 21.3088% | 1,095 |
| Total risk-based capital ratio | 21.9536% | 1,169 |
| Memoranda: | ||
| Average total assets | $815,250,800 | 917 |
| Average earning assets | $751,749,200 | 916 |
| Average equity | $102,122,000 | 807 |
| Average total loans | $523,978,600 | 980 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5606% | 4,656 |
| Cost of funding earning assets | 0.5097% | 2,191 |
| Net interest margin | 3.0508% | 4,810 |
| Noninterest income to average assets | 0.7920% | 1,622 |
| Noninterest expense to average assets | 3.1124% | 1,764 |
| Loan and lease loss provision to assets | 0.0426% | 3,251 |
| Net operating income to assets | 0.3159% | 5,190 |
| Return on assets (ROA) | 0.3335% | 5,177 |
| Pretax return on assets | 0.4730% | 5,082 |
| Return on Equity (ROE) | 2.6550% | 5,188 |
| Retained earnings to average equity (ytd only) | 2.6550% | 4,307 |
| Net charge-offs to loans | 0.0131% | 3,267 |
| Credit loss provision to net charge-offs | 509.8039% | 624 |
| Earnings coverage of net charge-offs (x) | 58.7044% | 1,007 |
| Efficiency ratio | 86.0458% | 627 |
| Assets per employee ($millions) | 3.6407% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4746% | 5,501 |
| Loan loss allowance to noncurrent loans | 101.3790% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 3,821 |
| Noncurrent loans to loans | 0.4681% | 3,295 |
| Net loans and leases to total assets | 66.1698% | 3,079 |
| Net loans and leases to deposits | 86.3041% | 2,261 |
| Net loans and leases to core deposits | 93.9488% | 2,279 |
| Total domestic deposits to total assets | 76.6705% | 4,939 |
| Equity capital to assets | 12.7128% | 1,537 |
| Core capital (leverage) ratio | 12.7493% | 1,316 |
| Tier 1 risk-based capital ratio | 21.2960% | 1,144 |
| Total risk-based capital ratio | 21.9012% | 1,224 |
| Memoranda: | ||
| Average total assets | $813,276,500 | 922 |
| Average earning assets | $749,414,500 | 924 |
| Average equity | $102,142,500 | 806 |
| Average total loans | $518,669,250 | 991 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5295% | 4,687 |
| Cost of funding earning assets | 0.5015% | 2,153 |
| Net interest margin | 3.0280% | 4,848 |
| Noninterest income to average assets | 0.7884% | 1,610 |
| Noninterest expense to average assets | 3.1073% | 1,825 |
| Loan and lease loss provision to assets | 0.0443% | 3,106 |
| Net operating income to assets | 0.2997% | 5,222 |
| Return on assets (ROA) | 0.3079% | 5,224 |
| Pretax return on assets | 0.4367% | 5,104 |
| Return on Equity (ROE) | 2.4618% | 5,245 |
| Retained earnings to average equity (ytd only) | 2.4618% | 4,213 |
| Net charge-offs to loans | 0.0102% | 3,100 |
| Credit loss provision to net charge-offs | 692.3077% | 507 |
| Earnings coverage of net charge-offs (x) | 73.3462% | 819 |
| Efficiency ratio | 86.5460% | 651 |
| Assets per employee ($millions) | 3.6411% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4770% | 5,541 |
| Loan loss allowance to noncurrent loans | 79.1824% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 3,541 |
| Noncurrent loans to loans | 0.6025% | 2,920 |
| Net loans and leases to total assets | 64.9879% | 3,255 |
| Net loans and leases to deposits | 84.8561% | 2,369 |
| Net loans and leases to core deposits | 91.9813% | 2,339 |
| Total domestic deposits to total assets | 76.5860% | 5,017 |
| Equity capital to assets | 12.7710% | 1,484 |
| Core capital (leverage) ratio | 12.6198% | 1,329 |
| Tier 1 risk-based capital ratio | 21.5119% | 1,117 |
| Total risk-based capital ratio | 22.1206% | 1,184 |
| Memoranda: | ||
| Average total assets | $812,532,330 | 929 |
| Average earning assets | $748,216,670 | 931 |
| Average equity | $101,632,000 | 812 |
| Average total loans | $510,827,670 | 998 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4553% | 4,816 |
| Cost of funding earning assets | 0.4900% | 2,164 |
| Net interest margin | 2.9653% | 4,968 |
| Noninterest income to average assets | 0.7454% | 1,760 |
| Noninterest expense to average assets | 3.0384% | 2,058 |
| Loan and lease loss provision to assets | 0.0638% | 2,526 |
| Net operating income to assets | 0.2637% | 5,280 |
| Return on assets (ROA) | 0.2637% | 5,296 |
| Pretax return on assets | 0.3742% | 5,202 |
| Return on Equity (ROE) | 2.1303% | 5,316 |
| Retained earnings to average equity (ytd only) | 2.1303% | 4,291 |
| Net charge-offs to loans | -0.0024% | 4,024 |
| Credit loss provision to net charge-offs | -4,333.3333% | 4,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0621% | 729 |
| Assets per employee ($millions) | 3.6612% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4897% | 5,601 |
| Loan loss allowance to noncurrent loans | 84.8742% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 3,782 |
| Noncurrent loans to loans | 0.5770% | 3,077 |
| Net loans and leases to total assets | 61.3232% | 3,622 |
| Net loans and leases to deposits | 79.1602% | 2,846 |
| Net loans and leases to core deposits | 86.0672% | 2,702 |
| Total domestic deposits to total assets | 77.4671% | 5,047 |
| Equity capital to assets | 12.2428% | 1,689 |
| Core capital (leverage) ratio | 12.5565% | 1,312 |
| Tier 1 risk-based capital ratio | 21.6928% | 1,123 |
| Total risk-based capital ratio | 22.3087% | 1,191 |
| Memoranda: | ||
| Average total assets | $814,638,000 | 929 |
| Average earning assets | $750,271,000 | 928 |
| Average equity | $100,832,500 | 817 |
| Average total loans | $502,327,000 | 1,012 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4681% | 4,848 |
| Cost of funding earning assets | 0.4680% | 2,375 |
| Net interest margin | 3.0001% | 4,961 |
| Noninterest income to average assets | 0.6964% | 2,191 |
| Noninterest expense to average assets | 3.0344% | 2,240 |
| Loan and lease loss provision to assets | 0.0054% | 4,248 |
| Net operating income to assets | 0.2936% | 5,232 |
| Return on assets (ROA) | 0.3936% | 5,042 |
| Pretax return on assets | 0.5724% | 4,870 |
| Return on Equity (ROE) | 3.1347% | 5,123 |
| Retained earnings to average equity (ytd only) | 3.1347% | 3,675 |
| Net charge-offs to loans | 0.0537% | 2,964 |
| Credit loss provision to net charge-offs | 16.9884% | 3,698 |
| Earnings coverage of net charge-offs (x) | 13.4981% | 2,366 |
| Efficiency ratio | 87.1692% | 740 |
| Assets per employee ($millions) | 3.5796% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4778% | 5,675 |
| Loan loss allowance to noncurrent loans | 89.1739% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 3,959 |
| Noncurrent loans to loans | 0.5358% | 3,245 |
| Net loans and leases to total assets | 61.4066% | 3,668 |
| Net loans and leases to deposits | 79.9353% | 2,897 |
| Net loans and leases to core deposits | 86.4931% | 2,810 |
| Total domestic deposits to total assets | 76.8204% | 5,145 |
| Equity capital to assets | 12.5167% | 1,518 |
| Core capital (leverage) ratio | 12.5500% | 1,313 |
| Tier 1 risk-based capital ratio | 22.0232% | 1,080 |
| Total risk-based capital ratio | 22.6228% | 1,137 |
| Memoranda: | ||
| Average total assets | $807,636,000 | 896 |
| Average earning assets | $745,944,600 | 894 |
| Average equity | $101,413,800 | 781 |
| Average total loans | $482,365,800 | 1,006 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4623% | 4,905 |
| Cost of funding earning assets | 0.4670% | 2,399 |
| Net interest margin | 2.9953% | 5,022 |
| Noninterest income to average assets | 0.7061% | 2,141 |
| Noninterest expense to average assets | 3.0111% | 2,288 |
| Loan and lease loss provision to assets | 0.0066% | 4,095 |
| Net operating income to assets | 0.3229% | 5,238 |
| Return on assets (ROA) | 0.4580% | 4,924 |
| Pretax return on assets | 0.6496% | 4,746 |
| Return on Equity (ROE) | 3.6442% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.6442% | 3,707 |
| Net charge-offs to loans | 0.0693% | 2,330 |
| Credit loss provision to net charge-offs | 16.0643% | 3,318 |
| Earnings coverage of net charge-offs (x) | 11.2892% | 2,499 |
| Efficiency ratio | 86.3207% | 800 |
| Assets per employee ($millions) | 3.6864% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4756% | 5,746 |
| Loan loss allowance to noncurrent loans | 93.1238% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 4,183 |
| Noncurrent loans to loans | 0.5107% | 3,469 |
| Net loans and leases to total assets | 59.7937% | 3,906 |
| Net loans and leases to deposits | 77.6643% | 3,224 |
| Net loans and leases to core deposits | 83.5563% | 3,170 |
| Total domestic deposits to total assets | 76.9899% | 5,091 |
| Equity capital to assets | 12.5321% | 1,756 |
| Core capital (leverage) ratio | 12.4366% | 1,425 |
| Tier 1 risk-based capital ratio | 22.0672% | 1,130 |
| Total risk-based capital ratio | 22.6573% | 1,190 |
| Memoranda: | ||
| Average total assets | $809,085,000 | 899 |
| Average earning assets | $747,728,500 | 890 |
| Average equity | $101,676,250 | 783 |
| Average total loans | $479,270,500 | 1,007 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5086% | 4,842 |
| Cost of funding earning assets | 0.4649% | 2,425 |
| Net interest margin | 3.0437% | 4,988 |
| Noninterest income to average assets | 0.7060% | 2,122 |
| Noninterest expense to average assets | 3.0240% | 2,267 |
| Loan and lease loss provision to assets | 0.0025% | 3,986 |
| Net operating income to assets | 0.3452% | 5,195 |
| Return on assets (ROA) | 0.3458% | 5,272 |
| Pretax return on assets | 0.4906% | 5,150 |
| Return on Equity (ROE) | 2.7487% | 5,313 |
| Retained earnings to average equity (ytd only) | 2.7487% | 4,151 |
| Net charge-offs to loans | 0.0998% | 1,836 |
| Credit loss provision to net charge-offs | 4.2373% | 3,030 |
| Earnings coverage of net charge-offs (x) | 8.3686% | 2,517 |
| Efficiency ratio | 85.6586% | 911 |
| Assets per employee ($millions) | 3.6606% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4883% | 5,812 |
| Loan loss allowance to noncurrent loans | 87.1804% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 4,137 |
| Noncurrent loans to loans | 0.5602% | 3,387 |
| Net loans and leases to total assets | 60.0846% | 3,875 |
| Net loans and leases to deposits | 80.1667% | 2,911 |
| Net loans and leases to core deposits | 85.7826% | 2,923 |
| Total domestic deposits to total assets | 74.9496% | 5,418 |
| Equity capital to assets | 12.8955% | 1,565 |
| Core capital (leverage) ratio | 12.3184% | 1,448 |
| Tier 1 risk-based capital ratio | 22.0156% | 1,135 |
| Total risk-based capital ratio | 22.6090% | 1,196 |
| Memoranda: | ||
| Average total assets | $802,302,330 | 902 |
| Average earning assets | $740,803,000 | 898 |
| Average equity | $100,920,000 | 786 |
| Average total loans | $472,921,000 | 1,018 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4001% | 5,131 |
| Cost of funding earning assets | 0.4505% | 2,576 |
| Net interest margin | 2.9496% | 5,221 |
| Noninterest income to average assets | 0.7225% | 1,925 |
| Noninterest expense to average assets | 3.0073% | 2,366 |
| Loan and lease loss provision to assets | 0.0050% | 3,609 |
| Net operating income to assets | 0.3067% | 5,285 |
| Return on assets (ROA) | 0.3078% | 5,365 |
| Pretax return on assets | 0.4366% | 5,233 |
| Return on Equity (ROE) | 2.4778% | 5,382 |
| Retained earnings to average equity (ytd only) | 2.4778% | 4,265 |
| Net charge-offs to loans | -0.0213% | 4,893 |
| Credit loss provision to net charge-offs | -40.0000% | 4,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8888% | 900 |
| Assets per employee ($millions) | 3.7337% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5538% | 5,815 |
| Loan loss allowance to noncurrent loans | 82.2474% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 4,026 |
| Noncurrent loans to loans | 0.6734% | 3,154 |
| Net loans and leases to total assets | 57.6457% | 4,082 |
| Net loans and leases to deposits | 74.9758% | 3,324 |
| Net loans and leases to core deposits | 82.5691% | 3,080 |
| Total domestic deposits to total assets | 76.8857% | 5,303 |
| Equity capital to assets | 12.4000% | 1,751 |
| Core capital (leverage) ratio | 12.3124% | 1,425 |
| Tier 1 risk-based capital ratio | 22.1885% | 1,133 |
| Total risk-based capital ratio | 22.8496% | 1,197 |
| Memoranda: | ||
| Average total assets | $804,448,500 | 903 |
| Average earning assets | $743,160,500 | 898 |
| Average equity | $99,926,500 | 797 |
| Average total loans | $468,464,500 | 1,025 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2304% | 5,471 |
| Cost of funding earning assets | 0.4338% | 2,809 |
| Net interest margin | 2.7966% | 5,517 |
| Noninterest income to average assets | 0.6593% | 2,413 |
| Noninterest expense to average assets | 2.9158% | 2,803 |
| Loan and lease loss provision to assets | 0.0514% | 3,294 |
| Net operating income to assets | 0.1997% | 5,574 |
| Return on assets (ROA) | 0.2095% | 5,617 |
| Pretax return on assets | 0.2937% | 5,531 |
| Return on Equity (ROE) | 1.7319% | 5,640 |
| Retained earnings to average equity (ytd only) | 1.7319% | 4,738 |
| Net charge-offs to loans | 0.0303% | 3,616 |
| Credit loss provision to net charge-offs | 318.1818% | 936 |
| Earnings coverage of net charge-offs (x) | 20.5227% | 1,874 |
| Efficiency ratio | 89.4281% | 724 |
| Assets per employee ($millions) | 3.5648% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5545% | 5,867 |
| Loan loss allowance to noncurrent loans | 78.1752% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4150% | 3,939 |
| Noncurrent loans to loans | 0.7093% | 3,061 |
| Net loans and leases to total assets | 58.1837% | 4,057 |
| Net loans and leases to deposits | 75.9949% | 3,254 |
| Net loans and leases to core deposits | 83.2120% | 3,030 |
| Total domestic deposits to total assets | 76.5627% | 5,381 |
| Equity capital to assets | 12.4440% | 1,649 |
| Core capital (leverage) ratio | 12.3175% | 1,444 |
| Tier 1 risk-based capital ratio | 22.2448% | 1,115 |
| Total risk-based capital ratio | 22.8925% | 1,177 |
| Memoranda: | ||
| Average total assets | $817,378,600 | 851 |
| Average earning assets | $756,388,400 | 841 |
| Average equity | $98,853,800 | 778 |
| Average total loans | $435,832,400 | 1,056 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1791% | 5,617 |
| Cost of funding earning assets | 0.4389% | 2,813 |
| Net interest margin | 2.7402% | 5,679 |
| Noninterest income to average assets | 0.6683% | 2,395 |
| Noninterest expense to average assets | 2.8718% | 2,930 |
| Loan and lease loss provision to assets | 0.0486% | 3,235 |
| Net operating income to assets | 0.1993% | 5,681 |
| Return on assets (ROA) | 0.2109% | 5,719 |
| Pretax return on assets | 0.2992% | 5,638 |
| Return on Equity (ROE) | 1.7564% | 5,724 |
| Retained earnings to average equity (ytd only) | 1.7564% | 4,999 |
| Net charge-offs to loans | 0.0352% | 3,210 |
| Credit loss provision to net charge-offs | 265.4867% | 1,090 |
| Earnings coverage of net charge-offs (x) | 18.0889% | 2,020 |
| Efficiency ratio | 89.2919% | 744 |
| Assets per employee ($millions) | 3.6065% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5510% | 5,961 |
| Loan loss allowance to noncurrent loans | 71.1047% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 0.5004% | 3,825 |
| Noncurrent loans to loans | 0.7749% | 3,030 |
| Net loans and leases to total assets | 56.1148% | 4,341 |
| Net loans and leases to deposits | 73.5378% | 3,594 |
| Net loans and leases to core deposits | 81.6222% | 3,295 |
| Total domestic deposits to total assets | 76.3074% | 5,442 |
| Equity capital to assets | 12.5143% | 1,734 |
| Core capital (leverage) ratio | 11.8963% | 1,744 |
| Tier 1 risk-based capital ratio | 22.6088% | 1,106 |
| Total risk-based capital ratio | 23.2281% | 1,178 |
| Memoranda: | ||
| Average total assets | $822,984,750 | 856 |
| Average earning assets | $761,245,750 | 839 |
| Average equity | $98,836,250 | 783 |
| Average total loans | $428,512,250 | 1,073 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1297% | 5,705 |
| Cost of funding earning assets | 0.4371% | 2,886 |
| Net interest margin | 2.6926% | 5,774 |
| Noninterest income to average assets | 0.6522% | 2,467 |
| Noninterest expense to average assets | 2.8277% | 3,142 |
| Loan and lease loss provision to assets | 0.0433% | 3,241 |
| Net operating income to assets | 0.1902% | 5,721 |
| Return on assets (ROA) | 0.2075% | 5,744 |
| Pretax return on assets | 0.2946% | 5,671 |
| Return on Equity (ROE) | 1.7517% | 5,744 |
| Retained earnings to average equity (ytd only) | 1.7517% | 4,822 |
| Net charge-offs to loans | 0.0408% | 2,870 |
| Credit loss provision to net charge-offs | 209.3023% | 1,188 |
| Earnings coverage of net charge-offs (x) | 15.1395% | 1,995 |
| Efficiency ratio | 89.6631% | 780 |
| Assets per employee ($millions) | 3.7109% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5542% | 6,040 |
| Loan loss allowance to noncurrent loans | 65.4142% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 0.4963% | 3,962 |
| Noncurrent loans to loans | 0.8472% | 3,008 |
| Net loans and leases to total assets | 53.3903% | 4,629 |
| Net loans and leases to deposits | 69.5941% | 3,974 |
| Net loans and leases to core deposits | 78.0013% | 3,569 |
| Total domestic deposits to total assets | 76.7167% | 5,494 |
| Equity capital to assets | 12.2311% | 1,851 |
| Core capital (leverage) ratio | 11.7080% | 1,834 |
| Tier 1 risk-based capital ratio | 23.2016% | 1,052 |
| Total risk-based capital ratio | 23.8175% | 1,110 |
| Memoranda: | ||
| Average total assets | $831,633,670 | 847 |
| Average earning assets | $768,639,330 | 832 |
| Average equity | $98,533,670 | 785 |
| Average total loans | $421,438,330 | 1,089 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0639% | 5,827 |
| Cost of funding earning assets | 0.4212% | 3,057 |
| Net interest margin | 2.6427% | 5,873 |
| Noninterest income to average assets | 0.6392% | 2,456 |
| Noninterest expense to average assets | 2.7538% | 3,406 |
| Loan and lease loss provision to assets | 0.0543% | 2,848 |
| Net operating income to assets | 0.1951% | 5,692 |
| Return on assets (ROA) | 0.2291% | 5,703 |
| Pretax return on assets | 0.3250% | 5,590 |
| Return on Equity (ROE) | 1.9639% | 5,699 |
| Retained earnings to average equity (ytd only) | 1.9639% | 4,692 |
| Net charge-offs to loans | 0.0528% | 2,251 |
| Credit loss provision to net charge-offs | 209.0909% | 1,024 |
| Earnings coverage of net charge-offs (x) | 12.7273% | 1,776 |
| Efficiency ratio | 88.9110% | 943 |
| Assets per employee ($millions) | 3.7214% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5618% | 6,102 |
| Loan loss allowance to noncurrent loans | 69.4535% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 0.4270% | 4,327 |
| Noncurrent loans to loans | 0.8088% | 3,223 |
| Net loans and leases to total assets | 49.2646% | 4,916 |
| Net loans and leases to deposits | 63.4592% | 4,432 |
| Net loans and leases to core deposits | 75.3622% | 3,657 |
| Total domestic deposits to total assets | 77.6319% | 5,512 |
| Equity capital to assets | 11.7777% | 2,219 |
| Core capital (leverage) ratio | 11.5510% | 1,960 |
| Tier 1 risk-based capital ratio | 23.6250% | 1,033 |
| Total risk-based capital ratio | 24.2467% | 1,086 |
| Memoranda: | ||
| Average total assets | $846,674,500 | 828 |
| Average earning assets | $783,444,000 | 818 |
| Average equity | $98,781,000 | 782 |
| Average total loans | $416,989,500 | 1,097 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9463% | 6,097 |
| Cost of funding earning assets | 0.4584% | 3,092 |
| Net interest margin | 2.4878% | 6,171 |
| Noninterest income to average assets | 0.6248% | 2,711 |
| Noninterest expense to average assets | 2.6965% | 3,871 |
| Loan and lease loss provision to assets | 0.0586% | 3,366 |
| Net operating income to assets | 0.1259% | 5,916 |
| Return on assets (ROA) | 0.1568% | 5,906 |
| Pretax return on assets | 0.2149% | 5,848 |
| Return on Equity (ROE) | 1.3889% | 5,913 |
| Retained earnings to average equity (ytd only) | 1.3889% | 5,146 |
| Net charge-offs to loans | 0.0040% | 4,870 |
| Credit loss provision to net charge-offs | 3,125.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 123.1875% | 426 |
| Efficiency ratio | 91.7151% | 726 |
| Assets per employee ($millions) | 3.8225% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5514% | 6,202 |
| Loan loss allowance to noncurrent loans | 63.5859% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 4,311 |
| Noncurrent loans to loans | 0.8672% | 3,148 |
| Net loans and leases to total assets | 48.6890% | 5,098 |
| Net loans and leases to deposits | 60.8262% | 4,826 |
| Net loans and leases to core deposits | 72.4300% | 4,081 |
| Total domestic deposits to total assets | 80.0461% | 5,004 |
| Equity capital to assets | 11.5567% | 2,378 |
| Core capital (leverage) ratio | 11.3719% | 2,072 |
| Tier 1 risk-based capital ratio | 23.9994% | 958 |
| Total risk-based capital ratio | 24.6209% | 1,000 |
| Memoranda: | ||
| Average total assets | $852,597,800 | 789 |
| Average earning assets | $789,196,000 | 770 |
| Average equity | $96,264,400 | 766 |
| Average total loans | $397,579,000 | 1,107 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9160% | 6,193 |
| Cost of funding earning assets | 0.4749% | 3,007 |
| Net interest margin | 2.4411% | 6,273 |
| Noninterest income to average assets | 0.6164% | 2,769 |
| Noninterest expense to average assets | 2.6536% | 4,002 |
| Loan and lease loss provision to assets | 0.0656% | 3,043 |
| Net operating income to assets | 0.1102% | 6,015 |
| Return on assets (ROA) | 0.1468% | 5,986 |
| Pretax return on assets | 0.2082% | 5,938 |
| Return on Equity (ROE) | 1.3081% | 5,986 |
| Retained earnings to average equity (ytd only) | 1.3081% | 5,374 |
| Net charge-offs to loans | -0.0010% | 5,158 |
| Credit loss provision to net charge-offs | -14,000.0000% | 6,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8749% | 720 |
| Assets per employee ($millions) | 3.6601% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5488% | 6,285 |
| Loan loss allowance to noncurrent loans | 60.2052% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 4,561 |
| Noncurrent loans to loans | 0.9116% | 3,280 |
| Net loans and leases to total assets | 48.8536% | 5,124 |
| Net loans and leases to deposits | 61.3734% | 4,807 |
| Net loans and leases to core deposits | 74.0179% | 3,937 |
| Total domestic deposits to total assets | 79.6005% | 5,198 |
| Equity capital to assets | 11.6690% | 2,344 |
| Core capital (leverage) ratio | 11.5995% | 1,981 |
| Tier 1 risk-based capital ratio | 23.9599% | 993 |
| Total risk-based capital ratio | 24.5676% | 1,060 |
| Memoranda: | ||
| Average total assets | $853,597,250 | 790 |
| Average earning assets | $790,102,500 | 776 |
| Average equity | $95,813,000 | 764 |
| Average total loans | $393,107,250 | 1,122 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8577% | 6,292 |
| Cost of funding earning assets | 0.4951% | 2,882 |
| Net interest margin | 2.3625% | 6,381 |
| Noninterest income to average assets | 0.6064% | 2,786 |
| Noninterest expense to average assets | 2.6329% | 4,121 |
| Loan and lease loss provision to assets | 0.0046% | 4,134 |
| Net operating income to assets | 0.1113% | 6,025 |
| Return on assets (ROA) | 0.1350% | 6,023 |
| Pretax return on assets | 0.1916% | 5,959 |
| Return on Equity (ROE) | 1.2179% | 6,011 |
| Retained earnings to average equity (ytd only) | 1.2179% | 5,266 |
| Net charge-offs to loans | -0.0077% | 5,264 |
| Credit loss provision to net charge-offs | -133.3333% | 5,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7941% | 653 |
| Assets per employee ($millions) | 3.6459% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4683% | 6,447 |
| Loan loss allowance to noncurrent loans | 60.6320% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 0.3677% | 4,923 |
| Noncurrent loans to loans | 0.7723% | 3,775 |
| Net loans and leases to total assets | 46.8944% | 5,278 |
| Net loans and leases to deposits | 58.9014% | 4,962 |
| Net loans and leases to core deposits | 72.9372% | 3,950 |
| Total domestic deposits to total assets | 79.6150% | 5,324 |
| Equity capital to assets | 11.5834% | 2,349 |
| Core capital (leverage) ratio | 11.4540% | 2,045 |
| Tier 1 risk-based capital ratio | 24.7530% | 901 |
| Total risk-based capital ratio | 25.2826% | 962 |
| Memoranda: | ||
| Average total assets | $862,403,670 | 780 |
| Average earning assets | $798,973,670 | 765 |
| Average equity | $95,576,330 | 761 |
| Average total loans | $388,697,670 | 1,129 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7836% | 6,411 |
| Cost of funding earning assets | 0.5041% | 2,860 |
| Net interest margin | 2.2795% | 6,487 |
| Noninterest income to average assets | 0.6063% | 2,702 |
| Noninterest expense to average assets | 2.5393% | 4,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1273% | 5,974 |
| Return on assets (ROA) | 0.1507% | 5,959 |
| Pretax return on assets | 0.2137% | 5,900 |
| Return on Equity (ROE) | 1.3893% | 5,953 |
| Retained earnings to average equity (ytd only) | 1.3893% | 5,059 |
| Net charge-offs to loans | -0.0083% | 4,975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9507% | 821 |
| Assets per employee ($millions) | 3.8726% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4665% | 6,523 |
| Loan loss allowance to noncurrent loans | 80.9906% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 5,416 |
| Noncurrent loans to loans | 0.5760% | 4,436 |
| Net loans and leases to total assets | 44.2466% | 5,483 |
| Net loans and leases to deposits | 54.8729% | 5,205 |
| Net loans and leases to core deposits | 68.9502% | 4,216 |
| Total domestic deposits to total assets | 80.6347% | 5,338 |
| Equity capital to assets | 10.9403% | 2,776 |
| Core capital (leverage) ratio | 10.8856% | 2,504 |
| Tier 1 risk-based capital ratio | 25.0731% | 881 |
| Total risk-based capital ratio | 25.6040% | 939 |
| Memoranda: | ||
| Average total assets | $876,147,000 | 775 |
| Average earning assets | $812,464,000 | 763 |
| Average equity | $95,008,500 | 769 |
| Average total loans | $386,361,000 | 1,140 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9517% | 6,389 |
| Cost of funding earning assets | 0.6112% | 2,559 |
| Net interest margin | 2.3404% | 6,491 |
| Noninterest income to average assets | 0.7065% | 2,508 |
| Noninterest expense to average assets | 2.8568% | 3,508 |
| Loan and lease loss provision to assets | -0.0351% | 6,342 |
| Net operating income to assets | 0.0264% | 6,169 |
| Return on assets (ROA) | 0.1704% | 5,956 |
| Pretax return on assets | 0.2340% | 5,877 |
| Return on Equity (ROE) | 1.3827% | 6,013 |
| Retained earnings to average equity (ytd only) | 1.3827% | 5,203 |
| Net charge-offs to loans | 0.0257% | 4,907 |
| Credit loss provision to net charge-offs | -286.4583% | 6,044 |
| Earnings coverage of net charge-offs (x) | 0.1250% | 5,038 |
| Efficiency ratio | 99.5135% | 493 |
| Assets per employee ($millions) | 3.8469% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4707% | 6,593 |
| Loan loss allowance to noncurrent loans | 136.8182% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 5,867 |
| Noncurrent loans to loans | 0.3441% | 5,153 |
| Net loans and leases to total assets | 43.5364% | 5,717 |
| Net loans and leases to deposits | 53.8692% | 5,481 |
| Net loans and leases to core deposits | 67.7267% | 4,547 |
| Total domestic deposits to total assets | 80.8187% | 5,231 |
| Equity capital to assets | 10.7477% | 2,882 |
| Core capital (leverage) ratio | 10.8081% | 2,569 |
| Tier 1 risk-based capital ratio | 25.8646% | 782 |
| Total risk-based capital ratio | 26.4121% | 823 |
| Memoranda: | ||
| Average total assets | $783,851,000 | 854 |
| Average earning assets | $720,675,000 | 845 |
| Average equity | $96,619,400 | 732 |
| Average total loans | $372,901,600 | 1,142 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0500% | 6,370 |
| Cost of funding earning assets | 0.6492% | 2,363 |
| Net interest margin | 2.4008% | 6,518 |
| Noninterest income to average assets | 0.7486% | 2,372 |
| Noninterest expense to average assets | 2.9555% | 3,128 |
| Loan and lease loss provision to assets | -0.0482% | 6,550 |
| Net operating income to assets | 0.0315% | 6,255 |
| Return on assets (ROA) | 0.2135% | 5,961 |
| Pretax return on assets | 0.3029% | 5,868 |
| Return on Equity (ROE) | 1.6706% | 6,035 |
| Retained earnings to average equity (ytd only) | 1.6706% | 5,309 |
| Net charge-offs to loans | 0.0187% | 4,753 |
| Credit loss provision to net charge-offs | -528.8462% | 6,075 |
| Earnings coverage of net charge-offs (x) | -0.5770% | 4,961 |
| Efficiency ratio | 99.7445% | 473 |
| Assets per employee ($millions) | 3.2289% | 5,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4863% | 6,666 |
| Loan loss allowance to noncurrent loans | 51.0621% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 4,936 |
| Noncurrent loans to loans | 0.9524% | 3,911 |
| Net loans and leases to total assets | 51.6768% | 4,913 |
| Net loans and leases to deposits | 64.2985% | 4,488 |
| Net loans and leases to core deposits | 70.2261% | 4,300 |
| Total domestic deposits to total assets | 80.3701% | 5,399 |
| Equity capital to assets | 12.8812% | 1,385 |
| Core capital (leverage) ratio | 12.9206% | 1,235 |
| Tier 1 risk-based capital ratio | 27.4425% | 674 |
| Total risk-based capital ratio | 28.0374% | 708 |
| Memoranda: | ||
| Average total assets | $760,543,000 | 886 |
| Average earning assets | $697,466,500 | 870 |
| Average equity | $97,207,750 | 733 |
| Average total loans | $370,213,000 | 1,151 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0378% | 6,411 |
| Cost of funding earning assets | 0.6638% | 2,371 |
| Net interest margin | 2.3740% | 6,572 |
| Noninterest income to average assets | 0.7304% | 2,505 |
| Noninterest expense to average assets | 2.9275% | 3,248 |
| Loan and lease loss provision to assets | -0.0455% | 6,640 |
| Net operating income to assets | 0.0174% | 6,287 |
| Return on assets (ROA) | 0.2809% | 5,800 |
| Pretax return on assets | 0.3983% | 5,642 |
| Return on Equity (ROE) | 2.2030% | 5,882 |
| Retained earnings to average equity (ytd only) | 2.2030% | 4,872 |
| Net charge-offs to loans | 0.0120% | 4,624 |
| Credit loss provision to net charge-offs | -795.4545% | 5,992 |
| Earnings coverage of net charge-offs (x) | -3.1818% | 4,795 |
| Efficiency ratio | 100.1965% | 478 |
| Assets per employee ($millions) | 3.2958% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5296% | 6,683 |
| Loan loss allowance to noncurrent loans | 57.2047% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 5,137 |
| Noncurrent loans to loans | 0.9257% | 4,072 |
| Net loans and leases to total assets | 48.8738% | 5,238 |
| Net loans and leases to deposits | 60.7908% | 4,887 |
| Net loans and leases to core deposits | 66.3667% | 4,657 |
| Total domestic deposits to total assets | 80.3967% | 5,509 |
| Equity capital to assets | 12.6518% | 1,497 |
| Core capital (leverage) ratio | 12.4519% | 1,383 |
| Tier 1 risk-based capital ratio | 27.8229% | 638 |
| Total risk-based capital ratio | 28.4650% | 665 |
| Memoranda: | ||
| Average total assets | $769,734,330 | 874 |
| Average earning assets | $706,489,330 | 862 |
| Average equity | $98,138,670 | 729 |
| Average total loans | $366,742,000 | 1,161 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1007% | 6,399 |
| Cost of funding earning assets | 0.6882% | 2,317 |
| Net interest margin | 2.4125% | 6,585 |
| Noninterest income to average assets | 0.7081% | 2,548 |
| Noninterest expense to average assets | 2.8809% | 3,413 |
| Loan and lease loss provision to assets | -0.0258% | 6,758 |
| Net operating income to assets | 0.0476% | 6,256 |
| Return on assets (ROA) | 0.1830% | 6,053 |
| Pretax return on assets | 0.2595% | 5,935 |
| Return on Equity (ROE) | 1.4296% | 6,110 |
| Retained earnings to average equity (ytd only) | 1.4296% | 5,268 |
| Net charge-offs to loans | 0.0011% | 4,138 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,876 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 451 |
| Efficiency ratio | 98.1085% | 629 |
| Assets per employee ($millions) | 3.3825% | 5,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5860% | 6,723 |
| Loan loss allowance to noncurrent loans | 24.9531% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 1.0862% | 3,762 |
| Noncurrent loans to loans | 2.3484% | 2,221 |
| Net loans and leases to total assets | 45.9823% | 5,442 |
| Net loans and leases to deposits | 57.0783% | 5,132 |
| Net loans and leases to core deposits | 62.5862% | 4,896 |
| Total domestic deposits to total assets | 80.5602% | 5,610 |
| Equity capital to assets | 12.5666% | 1,672 |
| Core capital (leverage) ratio | 12.0305% | 1,545 |
| Tier 1 risk-based capital ratio | 29.5874% | 556 |
| Total risk-based capital ratio | 30.3218% | 570 |
| Memoranda: | ||
| Average total assets | $773,931,000 | 877 |
| Average earning assets | $710,802,000 | 864 |
| Average equity | $99,046,500 | 734 |
| Average total loans | $363,074,500 | 1,181 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5900% | 6,238 |
| Cost of funding earning assets | 0.8362% | 2,382 |
| Net interest margin | 2.7538% | 6,443 |
| Noninterest income to average assets | 0.8451% | 2,057 |
| Noninterest expense to average assets | 3.1043% | 2,908 |
| Loan and lease loss provision to assets | 0.0859% | 4,629 |
| Net operating income to assets | 0.1224% | 5,962 |
| Return on assets (ROA) | 0.2923% | 5,701 |
| Pretax return on assets | 0.4055% | 5,563 |
| Return on Equity (ROE) | 2.2774% | 5,827 |
| Retained earnings to average equity (ytd only) | 2.2774% | 4,635 |
| Net charge-offs to loans | 0.0135% | 5,728 |
| Credit loss provision to net charge-offs | 1,314.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 39.0800% | 816 |
| Efficiency ratio | 92.0222% | 918 |
| Assets per employee ($millions) | 3.2474% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5997% | 6,757 |
| Loan loss allowance to noncurrent loans | 25.5035% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 1.1306% | 3,769 |
| Noncurrent loans to loans | 2.3514% | 2,288 |
| Net loans and leases to total assets | 47.3060% | 5,477 |
| Net loans and leases to deposits | 59.2574% | 5,101 |
| Net loans and leases to core deposits | 65.6795% | 4,774 |
| Total domestic deposits to total assets | 79.8313% | 5,710 |
| Equity capital to assets | 13.0357% | 1,430 |
| Core capital (leverage) ratio | 12.3441% | 1,381 |
| Tier 1 risk-based capital ratio | 29.0379% | 557 |
| Total risk-based capital ratio | 29.7775% | 577 |
| Memoranda: | ||
| Average total assets | $765,222,000 | 871 |
| Average earning assets | $698,747,200 | 866 |
| Average equity | $98,225,600 | 724 |
| Average total loans | $371,558,600 | 1,125 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6947% | 6,230 |
| Cost of funding earning assets | 0.8611% | 2,451 |
| Net interest margin | 2.8336% | 6,456 |
| Noninterest income to average assets | 0.8485% | 2,042 |
| Noninterest expense to average assets | 3.0021% | 3,222 |
| Loan and lease loss provision to assets | 0.1123% | 4,163 |
| Net operating income to assets | 0.2174% | 5,872 |
| Return on assets (ROA) | 0.3134% | 5,769 |
| Pretax return on assets | 0.4576% | 5,572 |
| Return on Equity (ROE) | 2.4511% | 5,898 |
| Retained earnings to average equity (ytd only) | 2.4511% | 5,105 |
| Net charge-offs to loans | 0.0211% | 5,372 |
| Credit loss provision to net charge-offs | 1,093.2203% | 260 |
| Earnings coverage of net charge-offs (x) | 41.7312% | 852 |
| Efficiency ratio | 87.1346% | 1,286 |
| Assets per employee ($millions) | 3.2469% | 5,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5849% | 6,883 |
| Loan loss allowance to noncurrent loans | 24.3591% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 1.2072% | 3,878 |
| Noncurrent loans to loans | 2.4011% | 2,403 |
| Net loans and leases to total assets | 47.4438% | 5,614 |
| Net loans and leases to deposits | 60.5568% | 5,142 |
| Net loans and leases to core deposits | 66.9001% | 4,855 |
| Total domestic deposits to total assets | 78.3459% | 6,004 |
| Equity capital to assets | 12.9666% | 1,604 |
| Core capital (leverage) ratio | 12.1477% | 1,564 |
| Tier 1 risk-based capital ratio | 28.3773% | 622 |
| Total risk-based capital ratio | 29.0975% | 656 |
| Memoranda: | ||
| Average total assets | $765,745,500 | 874 |
| Average earning assets | $697,848,000 | 869 |
| Average equity | $97,912,250 | 728 |
| Average total loans | $373,652,500 | 1,131 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7665% | 6,213 |
| Cost of funding earning assets | 0.8806% | 2,557 |
| Net interest margin | 2.8859% | 6,447 |
| Noninterest income to average assets | 0.8179% | 2,102 |
| Noninterest expense to average assets | 3.0319% | 3,145 |
| Loan and lease loss provision to assets | 0.1258% | 3,950 |
| Net operating income to assets | 0.2025% | 5,910 |
| Return on assets (ROA) | 0.3220% | 5,738 |
| Pretax return on assets | 0.4700% | 5,517 |
| Return on Equity (ROE) | 2.5301% | 5,869 |
| Retained earnings to average equity (ytd only) | 2.5301% | 4,922 |
| Net charge-offs to loans | 0.0229% | 5,081 |
| Credit loss provision to net charge-offs | 1,116.2791% | 297 |
| Earnings coverage of net charge-offs (x) | 37.5116% | 919 |
| Efficiency ratio | 87.4033% | 1,300 |
| Assets per employee ($millions) | 3.1797% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5288% | 7,002 |
| Loan loss allowance to noncurrent loans | 21.6170% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 1.2998% | 3,826 |
| Noncurrent loans to loans | 2.4463% | 2,454 |
| Net loans and leases to total assets | 49.0864% | 5,474 |
| Net loans and leases to deposits | 62.2891% | 4,962 |
| Net loans and leases to core deposits | 69.8218% | 4,546 |
| Total domestic deposits to total assets | 78.8041% | 5,996 |
| Equity capital to assets | 12.7334% | 1,666 |
| Core capital (leverage) ratio | 12.0966% | 1,556 |
| Tier 1 risk-based capital ratio | 27.7958% | 658 |
| Total risk-based capital ratio | 28.4609% | 689 |
| Memoranda: | ||
| Average total assets | $763,408,670 | 872 |
| Average earning assets | $697,466,000 | 869 |
| Average equity | $97,149,670 | 733 |
| Average total loans | $375,276,000 | 1,124 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 6,051 |
| Cost of funding earning assets | 0.9100% | 2,611 |
| Net interest margin | 2.9741% | 6,349 |
| Noninterest income to average assets | 0.8080% | 2,129 |
| Noninterest expense to average assets | 3.0685% | 3,028 |
| Loan and lease loss provision to assets | 0.1804% | 3,169 |
| Net operating income to assets | 0.1880% | 6,019 |
| Return on assets (ROA) | 0.3077% | 5,800 |
| Pretax return on assets | 0.4493% | 5,584 |
| Return on Equity (ROE) | 2.4190% | 5,933 |
| Retained earnings to average equity (ytd only) | 2.4190% | 5,053 |
| Net charge-offs to loans | 0.0011% | 4,729 |
| Credit loss provision to net charge-offs | 34,300.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 867.0000% | 21 |
| Efficiency ratio | 86.7015% | 1,412 |
| Assets per employee ($millions) | 3.0975% | 5,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5092% | 7,059 |
| Loan loss allowance to noncurrent loans | 23.5765% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 1.1502% | 4,209 |
| Noncurrent loans to loans | 2.1597% | 2,957 |
| Net loans and leases to total assets | 48.4619% | 5,497 |
| Net loans and leases to deposits | 61.3491% | 5,005 |
| Net loans and leases to core deposits | 69.9224% | 4,433 |
| Total domestic deposits to total assets | 78.9936% | 6,074 |
| Equity capital to assets | 12.5730% | 1,675 |
| Core capital (leverage) ratio | 11.9755% | 1,604 |
| Tier 1 risk-based capital ratio | 27.8601% | 654 |
| Total risk-based capital ratio | 28.5028% | 693 |
| Memoranda: | ||
| Average total assets | $760,373,000 | 879 |
| Average earning assets | $694,519,000 | 874 |
| Average equity | $96,734,000 | 734 |
| Average total loans | $373,055,000 | 1,134 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1791% | 6,114 |
| Cost of funding earning assets | 1.0331% | 3,138 |
| Net interest margin | 3.1460% | 6,230 |
| Noninterest income to average assets | 0.7854% | 2,139 |
| Noninterest expense to average assets | 3.0423% | 3,424 |
| Loan and lease loss provision to assets | 0.0425% | 6,042 |
| Net operating income to assets | 0.3939% | 4,895 |
| Return on assets (ROA) | 0.5045% | 4,615 |
| Pretax return on assets | 0.7284% | 4,224 |
| Return on Equity (ROE) | 3.9293% | 4,882 |
| Retained earnings to average equity (ytd only) | 3.9293% | 3,410 |
| Net charge-offs to loans | 0.0674% | 5,636 |
| Credit loss provision to net charge-offs | 123.2283% | 2,558 |
| Earnings coverage of net charge-offs (x) | 17.7008% | 1,255 |
| Efficiency ratio | 82.9218% | 1,893 |
| Assets per employee ($millions) | 3.0099% | 6,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4241% | 7,151 |
| Loan loss allowance to noncurrent loans | 18.3442% | 6,658 |
| Noncurrent assets plus other real estate owned to assets | 1.2173% | 4,201 |
| Noncurrent loans to loans | 2.3120% | 2,845 |
| Net loans and leases to total assets | 49.2150% | 5,694 |
| Net loans and leases to deposits | 62.7053% | 5,151 |
| Net loans and leases to core deposits | 72.4502% | 4,449 |
| Total domestic deposits to total assets | 78.4861% | 6,097 |
| Equity capital to assets | 12.8752% | 1,558 |
| Core capital (leverage) ratio | 12.2221% | 1,481 |
| Tier 1 risk-based capital ratio | 28.5178% | 584 |
| Total risk-based capital ratio | 29.0123% | 631 |
| Memoranda: | ||
| Average total assets | $736,222,800 | 892 |
| Average earning assets | $671,076,400 | 886 |
| Average equity | $94,520,400 | 726 |
| Average total loans | $376,704,200 | 1,127 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1905% | 6,229 |
| Cost of funding earning assets | 1.0450% | 3,356 |
| Net interest margin | 3.1455% | 6,300 |
| Noninterest income to average assets | 0.7753% | 2,167 |
| Noninterest expense to average assets | 3.0273% | 3,451 |
| Loan and lease loss provision to assets | 0.0264% | 6,114 |
| Net operating income to assets | 0.4035% | 4,982 |
| Return on assets (ROA) | 0.4794% | 4,834 |
| Pretax return on assets | 0.6998% | 4,479 |
| Return on Equity (ROE) | 3.7364% | 5,114 |
| Retained earnings to average equity (ytd only) | 3.7364% | 4,089 |
| Net charge-offs to loans | 0.0349% | 5,659 |
| Credit loss provision to net charge-offs | 146.4646% | 2,151 |
| Earnings coverage of net charge-offs (x) | 34.1305% | 854 |
| Efficiency ratio | 82.7572% | 1,874 |
| Assets per employee ($millions) | 2.9879% | 6,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4171% | 7,217 |
| Loan loss allowance to noncurrent loans | 17.3231% | 6,761 |
| Noncurrent assets plus other real estate owned to assets | 1.2479% | 4,303 |
| Noncurrent loans to loans | 2.4078% | 2,877 |
| Net loans and leases to total assets | 49.5678% | 5,763 |
| Net loans and leases to deposits | 63.2538% | 5,263 |
| Net loans and leases to core deposits | 74.6494% | 4,361 |
| Total domestic deposits to total assets | 78.3634% | 6,121 |
| Equity capital to assets | 12.8765% | 1,673 |
| Core capital (leverage) ratio | 12.0948% | 1,656 |
| Tier 1 risk-based capital ratio | 27.0821% | 727 |
| Total risk-based capital ratio | 27.5532% | 784 |
| Memoranda: | ||
| Average total assets | $732,913,750 | 900 |
| Average earning assets | $667,940,500 | 893 |
| Average equity | $94,027,000 | 733 |
| Average total loans | $378,276,000 | 1,135 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 6,223 |
| Cost of funding earning assets | 1.0363% | 3,695 |
| Net interest margin | 3.1922% | 6,183 |
| Noninterest income to average assets | 0.7574% | 2,223 |
| Noninterest expense to average assets | 3.0224% | 3,556 |
| Loan and lease loss provision to assets | 0.0338% | 5,889 |
| Net operating income to assets | 0.4167% | 4,869 |
| Return on assets (ROA) | 0.4810% | 4,734 |
| Pretax return on assets | 0.7024% | 4,377 |
| Return on Equity (ROE) | 3.7540% | 5,037 |
| Retained earnings to average equity (ytd only) | 3.7540% | 3,825 |
| Net charge-offs to loans | 0.0226% | 5,523 |
| Credit loss provision to net charge-offs | 286.0465% | 1,065 |
| Earnings coverage of net charge-offs (x) | 54.2558% | 586 |
| Efficiency ratio | 82.1211% | 2,084 |
| Assets per employee ($millions) | 3.0222% | 6,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4250% | 7,279 |
| Loan loss allowance to noncurrent loans | 17.0983% | 6,805 |
| Noncurrent assets plus other real estate owned to assets | 1.3117% | 4,279 |
| Noncurrent loans to loans | 2.4855% | 2,901 |
| Net loans and leases to total assets | 50.3459% | 5,776 |
| Net loans and leases to deposits | 64.2416% | 5,237 |
| Net loans and leases to core deposits | 75.7787% | 4,341 |
| Total domestic deposits to total assets | 78.3696% | 6,222 |
| Equity capital to assets | 12.8279% | 1,608 |
| Core capital (leverage) ratio | 12.1102% | 1,550 |
| Tier 1 risk-based capital ratio | 26.0023% | 816 |
| Total risk-based capital ratio | 26.4693% | 868 |
| Memoranda: | ||
| Average total assets | $727,233,330 | 911 |
| Average earning assets | $662,173,670 | 912 |
| Average equity | $93,180,000 | 733 |
| Average total loans | $379,937,000 | 1,151 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 6,005 |
| Cost of funding earning assets | 1.0391% | 3,925 |
| Net interest margin | 3.2666% | 5,886 |
| Noninterest income to average assets | 0.7455% | 2,280 |
| Noninterest expense to average assets | 3.0418% | 3,478 |
| Loan and lease loss provision to assets | 0.0627% | 5,204 |
| Net operating income to assets | 0.4198% | 4,858 |
| Return on assets (ROA) | 0.4318% | 4,879 |
| Pretax return on assets | 0.6306% | 4,568 |
| Return on Equity (ROE) | 3.3724% | 5,207 |
| Retained earnings to average equity (ytd only) | 3.3724% | 4,165 |
| Net charge-offs to loans | 0.1045% | 3,910 |
| Credit loss provision to net charge-offs | 113.0000% | 2,376 |
| Earnings coverage of net charge-offs (x) | 12.1700% | 1,508 |
| Efficiency ratio | 81.4544% | 2,312 |
| Assets per employee ($millions) | 2.9849% | 6,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4045% | 7,348 |
| Loan loss allowance to noncurrent loans | 29.5521% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 0.7828% | 5,345 |
| Noncurrent loans to loans | 1.3688% | 4,416 |
| Net loans and leases to total assets | 51.7331% | 5,617 |
| Net loans and leases to deposits | 66.1093% | 4,956 |
| Net loans and leases to core deposits | 76.3406% | 4,260 |
| Total domestic deposits to total assets | 78.2538% | 6,346 |
| Equity capital to assets | 12.7422% | 1,505 |
| Core capital (leverage) ratio | 12.1873% | 1,462 |
| Tier 1 risk-based capital ratio | 25.6945% | 814 |
| Total risk-based capital ratio | 26.1415% | 869 |
| Memoranda: | ||
| Average total assets | $720,633,000 | 928 |
| Average earning assets | $655,598,000 | 929 |
| Average equity | $92,279,000 | 733 |
| Average total loans | $382,721,000 | 1,149 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9535% | 4,776 |
| Cost of funding earning assets | 1.2165% | 4,447 |
| Net interest margin | 3.7370% | 4,193 |
| Noninterest income to average assets | 0.8831% | 1,916 |
| Noninterest expense to average assets | 3.2280% | 2,986 |
| Loan and lease loss provision to assets | 0.0825% | 6,327 |
| Net operating income to assets | 0.6634% | 3,377 |
| Return on assets (ROA) | 0.6851% | 3,411 |
| Pretax return on assets | 1.0069% | 2,914 |
| Return on Equity (ROE) | 5.2319% | 3,977 |
| Retained earnings to average equity (ytd only) | 5.2319% | 2,290 |
| Net charge-offs to loans | 0.1458% | 5,484 |
| Credit loss provision to net charge-offs | 96.0951% | 4,832 |
| Earnings coverage of net charge-offs (x) | 12.3243% | 1,519 |
| Efficiency ratio | 74.9941% | 3,208 |
| Assets per employee ($millions) | 2.9462% | 6,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3888% | 7,432 |
| Loan loss allowance to noncurrent loans | 27.5178% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 0.8294% | 5,341 |
| Noncurrent loans to loans | 1.4127% | 4,361 |
| Net loans and leases to total assets | 54.0791% | 5,622 |
| Net loans and leases to deposits | 69.3285% | 4,905 |
| Net loans and leases to core deposits | 80.4186% | 4,151 |
| Total domestic deposits to total assets | 78.0041% | 6,311 |
| Equity capital to assets | 12.8692% | 1,454 |
| Core capital (leverage) ratio | 12.2473% | 1,408 |
| Tier 1 risk-based capital ratio | 25.0338% | 844 |
| Total risk-based capital ratio | 25.4696% | 894 |
| Memoranda: | ||
| Average total assets | $686,439,200 | 968 |
| Average earning assets | $624,970,200 | 964 |
| Average equity | $89,891,400 | 743 |
| Average total loans | $403,998,600 | 1,119 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0273% | 4,689 |
| Cost of funding earning assets | 1.2562% | 4,531 |
| Net interest margin | 3.7711% | 4,089 |
| Noninterest income to average assets | 0.8635% | 1,940 |
| Noninterest expense to average assets | 3.2762% | 2,652 |
| Loan and lease loss provision to assets | 0.0503% | 6,579 |
| Net operating income to assets | 0.6564% | 3,617 |
| Return on assets (ROA) | 0.6829% | 3,653 |
| Pretax return on assets | 1.0118% | 3,140 |
| Return on Equity (ROE) | 5.1911% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.1911% | 2,845 |
| Net charge-offs to loans | 0.0915% | 5,607 |
| Credit loss provision to net charge-offs | 91.4286% | 4,708 |
| Earnings coverage of net charge-offs (x) | 18.6002% | 1,249 |
| Efficiency ratio | 75.8792% | 2,977 |
| Assets per employee ($millions) | 2.8545% | 6,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3736% | 7,553 |
| Loan loss allowance to noncurrent loans | 59.4403% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 6,420 |
| Noncurrent loans to loans | 0.6285% | 5,949 |
| Net loans and leases to total assets | 56.1270% | 5,531 |
| Net loans and leases to deposits | 71.6216% | 4,889 |
| Net loans and leases to core deposits | 83.8539% | 3,965 |
| Total domestic deposits to total assets | 78.3660% | 6,179 |
| Equity capital to assets | 12.8501% | 1,654 |
| Core capital (leverage) ratio | 12.0905% | 1,620 |
| Tier 1 risk-based capital ratio | 24.1954% | 927 |
| Total risk-based capital ratio | 24.6221% | 995 |
| Memoranda: | ||
| Average total assets | $679,066,750 | 983 |
| Average earning assets | $618,576,500 | 986 |
| Average equity | $89,330,750 | 744 |
| Average total loans | $407,828,500 | 1,115 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1292% | 4,305 |
| Cost of funding earning assets | 1.3119% | 4,465 |
| Net interest margin | 3.8173% | 3,820 |
| Noninterest income to average assets | 0.8176% | 2,028 |
| Noninterest expense to average assets | 3.3121% | 2,527 |
| Loan and lease loss provision to assets | 0.0489% | 6,479 |
| Net operating income to assets | 0.6302% | 3,732 |
| Return on assets (ROA) | 0.6712% | 3,672 |
| Pretax return on assets | 0.9943% | 3,140 |
| Return on Equity (ROE) | 5.0600% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.0600% | 2,874 |
| Net charge-offs to loans | 0.0855% | 5,286 |
| Credit loss provision to net charge-offs | 93.1429% | 4,327 |
| Earnings coverage of net charge-offs (x) | 18.7200% | 1,280 |
| Efficiency ratio | 76.7726% | 2,941 |
| Assets per employee ($millions) | 2.6575% | 6,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3727% | 7,617 |
| Loan loss allowance to noncurrent loans | 90.4648% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 6,719 |
| Noncurrent loans to loans | 0.4120% | 6,422 |
| Net loans and leases to total assets | 59.6401% | 5,134 |
| Net loans and leases to deposits | 77.3476% | 4,107 |
| Net loans and leases to core deposits | 90.0674% | 3,246 |
| Total domestic deposits to total assets | 77.1066% | 6,478 |
| Equity capital to assets | 13.3501% | 1,414 |
| Core capital (leverage) ratio | 12.5533% | 1,389 |
| Tier 1 risk-based capital ratio | 24.1411% | 931 |
| Total risk-based capital ratio | 24.5761% | 998 |
| Memoranda: | ||
| Average total assets | $666,596,000 | 1,014 |
| Average earning assets | $607,232,330 | 1,012 |
| Average equity | $88,418,330 | 741 |
| Average total loans | $409,222,670 | 1,122 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2003% | 4,016 |
| Cost of funding earning assets | 1.3677% | 4,373 |
| Net interest margin | 3.8327% | 3,659 |
| Noninterest income to average assets | 0.7882% | 2,080 |
| Noninterest expense to average assets | 3.2735% | 2,621 |
| Loan and lease loss provision to assets | 0.0491% | 6,174 |
| Net operating income to assets | 0.6506% | 3,659 |
| Return on assets (ROA) | 0.6506% | 3,782 |
| Pretax return on assets | 0.9640% | 3,223 |
| Return on Equity (ROE) | 4.9212% | 4,404 |
| Retained earnings to average equity (ytd only) | 4.9212% | 3,193 |
| Net charge-offs to loans | 0.0809% | 4,609 |
| Credit loss provision to net charge-offs | 97.5904% | 3,497 |
| Earnings coverage of net charge-offs (x) | 20.1325% | 1,173 |
| Efficiency ratio | 76.0113% | 3,213 |
| Assets per employee ($millions) | 2.5876% | 7,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3757% | 7,706 |
| Loan loss allowance to noncurrent loans | 104.7293% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 6,858 |
| Noncurrent loans to loans | 0.3587% | 6,586 |
| Net loans and leases to total assets | 60.9292% | 4,955 |
| Net loans and leases to deposits | 79.7605% | 3,702 |
| Net loans and leases to core deposits | 95.7835% | 2,612 |
| Total domestic deposits to total assets | 76.3902% | 6,686 |
| Equity capital to assets | 13.2351% | 1,429 |
| Core capital (leverage) ratio | 12.6180% | 1,359 |
| Tier 1 risk-based capital ratio | 24.2418% | 943 |
| Total risk-based capital ratio | 24.6878% | 996 |
| Memoranda: | ||
| Average total assets | $659,728,500 | 1,045 |
| Average earning assets | $602,192,500 | 1,042 |
| Average equity | $87,215,000 | 760 |
| Average total loans | $410,200,000 | 1,149 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5132% | 4,074 |
| Cost of funding earning assets | 1.7214% | 4,405 |
| Net interest margin | 3.7918% | 3,747 |
| Noninterest income to average assets | 0.8576% | 2,150 |
| Noninterest expense to average assets | 3.3097% | 2,983 |
| Loan and lease loss provision to assets | 0.0497% | 7,064 |
| Net operating income to assets | 0.6535% | 3,124 |
| Return on assets (ROA) | 0.6840% | 3,061 |
| Pretax return on assets | 1.0174% | 2,534 |
| Return on Equity (ROE) | 5.2647% | 3,551 |
| Retained earnings to average equity (ytd only) | 5.2647% | 1,693 |
| Net charge-offs to loans | 0.0330% | 6,798 |
| Credit loss provision to net charge-offs | 234.0580% | 1,550 |
| Earnings coverage of net charge-offs (x) | 48.1522% | 532 |
| Efficiency ratio | 76.0693% | 3,515 |
| Assets per employee ($millions) | 2.5268% | 7,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3699% | 7,782 |
| Loan loss allowance to noncurrent loans | 112.9151% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.2297% | 6,891 |
| Noncurrent loans to loans | 0.3275% | 6,623 |
| Net loans and leases to total assets | 62.9779% | 4,818 |
| Net loans and leases to deposits | 81.5577% | 3,684 |
| Net loans and leases to core deposits | 107.4130% | 3,170 |
| Total domestic deposits to total assets | 77.2189% | 6,410 |
| Equity capital to assets | 13.2043% | 1,430 |
| Core capital (leverage) ratio | 12.6389% | 1,388 |
| Tier 1 risk-based capital ratio | 23.1879% | 1,026 |
| Total risk-based capital ratio | 23.6208% | 1,091 |
| Memoranda: | ||
| Average total assets | $650,453,800 | 1,067 |
| Average earning assets | $595,895,200 | 1,051 |
| Average equity | $84,507,000 | 759 |
| Average total loans | $417,772,400 | 1,153 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5475% | 4,172 |
| Cost of funding earning assets | 1.7776% | 4,490 |
| Net interest margin | 3.7699% | 3,775 |
| Noninterest income to average assets | 0.8220% | 2,322 |
| Noninterest expense to average assets | 3.2863% | 2,970 |
| Loan and lease loss provision to assets | 0.0431% | 6,940 |
| Net operating income to assets | 0.6090% | 3,583 |
| Return on assets (ROA) | 0.6479% | 3,477 |
| Pretax return on assets | 1.0119% | 2,867 |
| Return on Equity (ROE) | 5.0076% | 3,964 |
| Retained earnings to average equity (ytd only) | 5.0076% | 2,487 |
| Net charge-offs to loans | 0.0296% | 6,471 |
| Credit loss provision to net charge-offs | 225.8065% | 1,932 |
| Earnings coverage of net charge-offs (x) | 52.0740% | 607 |
| Efficiency ratio | 76.4232% | 3,430 |
| Assets per employee ($millions) | 2.5584% | 7,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3537% | 7,865 |
| Loan loss allowance to noncurrent loans | 82.0887% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 6,757 |
| Noncurrent loans to loans | 0.4309% | 6,475 |
| Net loans and leases to total assets | 62.8877% | 5,086 |
| Net loans and leases to deposits | 81.8576% | 4,056 |
| Net loans and leases to core deposits | 110.0734% | 3,229 |
| Total domestic deposits to total assets | 76.8258% | 6,385 |
| Equity capital to assets | 13.0371% | 1,681 |
| Core capital (leverage) ratio | 12.4368% | 1,606 |
| Tier 1 risk-based capital ratio | 23.1010% | 1,098 |
| Total risk-based capital ratio | 23.5197% | 1,176 |
| Memoranda: | ||
| Average total assets | $649,458,250 | 1,083 |
| Average earning assets | $595,829,000 | 1,069 |
| Average equity | $84,030,250 | 774 |
| Average total loans | $418,795,500 | 1,165 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5974% | 4,093 |
| Cost of funding earning assets | 1.8287% | 4,614 |
| Net interest margin | 3.7687% | 3,686 |
| Noninterest income to average assets | 0.7819% | 2,506 |
| Noninterest expense to average assets | 3.2812% | 3,044 |
| Loan and lease loss provision to assets | 0.0235% | 7,002 |
| Net operating income to assets | 0.5853% | 3,743 |
| Return on assets (ROA) | 0.6448% | 3,593 |
| Pretax return on assets | 1.0299% | 2,884 |
| Return on Equity (ROE) | 4.9965% | 4,076 |
| Retained earnings to average equity (ytd only) | 4.9965% | 2,509 |
| Net charge-offs to loans | 0.0319% | 6,014 |
| Credit loss provision to net charge-offs | 113.4328% | 4,085 |
| Earnings coverage of net charge-offs (x) | 46.4179% | 727 |
| Efficiency ratio | 77.0004% | 3,514 |
| Assets per employee ($millions) | 2.5682% | 7,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3264% | 7,969 |
| Loan loss allowance to noncurrent loans | 81.3590% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 6,807 |
| Noncurrent loans to loans | 0.4012% | 6,506 |
| Net loans and leases to total assets | 63.0925% | 5,164 |
| Net loans and leases to deposits | 82.6673% | 4,109 |
| Net loans and leases to core deposits | 107.0202% | 3,719 |
| Total domestic deposits to total assets | 76.3209% | 6,480 |
| Equity capital to assets | 12.7181% | 1,827 |
| Core capital (leverage) ratio | 12.2403% | 1,724 |
| Tier 1 risk-based capital ratio | 23.0383% | 1,125 |
| Total risk-based capital ratio | 23.4300% | 1,197 |
| Memoranda: | ||
| Average total assets | $647,631,000 | 1,105 |
| Average earning assets | $594,526,670 | 1,090 |
| Average equity | $83,578,670 | 785 |
| Average total loans | $420,614,330 | 1,184 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6133% | 4,273 |
| Cost of funding earning assets | 1.8961% | 4,642 |
| Net interest margin | 3.7172% | 3,818 |
| Noninterest income to average assets | 0.7230% | 2,746 |
| Noninterest expense to average assets | 3.1025% | 3,368 |
| Loan and lease loss provision to assets | 0.0137% | 6,675 |
| Net operating income to assets | 0.5990% | 4,013 |
| Return on assets (ROA) | 0.6547% | 3,961 |
| Pretax return on assets | 1.1130% | 2,941 |
| Return on Equity (ROE) | 5.0357% | 4,464 |
| Retained earnings to average equity (ytd only) | 5.0357% | 3,107 |
| Net charge-offs to loans | 0.0142% | 5,393 |
| Credit loss provision to net charge-offs | 146.6667% | 2,829 |
| Earnings coverage of net charge-offs (x) | 111.6000% | 393 |
| Efficiency ratio | 74.5239% | 3,730 |
| Assets per employee ($millions) | 2.6305% | 7,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3197% | 8,017 |
| Loan loss allowance to noncurrent loans | 138.5641% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 7,087 |
| Noncurrent loans to loans | 0.2307% | 6,873 |
| Net loans and leases to total assets | 64.5788% | 4,889 |
| Net loans and leases to deposits | 85.6368% | 3,698 |
| Net loans and leases to core deposits | 107.6882% | 3,721 |
| Total domestic deposits to total assets | 75.4100% | 6,624 |
| Equity capital to assets | 12.7882% | 1,840 |
| Core capital (leverage) ratio | 12.1577% | 1,835 |
| Tier 1 risk-based capital ratio | 22.6050% | 1,230 |
| Total risk-based capital ratio | 22.9940% | 1,301 |
| Memoranda: | ||
| Average total assets | $643,997,000 | 1,108 |
| Average earning assets | $592,378,000 | 1,091 |
| Average equity | $83,722,500 | 787 |
| Average total loans | $423,649,000 | 1,196 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9493% | 5,814 |
| Cost of funding earning assets | 2.2888% | 5,207 |
| Net interest margin | 3.6605% | 4,641 |
| Noninterest income to average assets | 0.7595% | 2,723 |
| Noninterest expense to average assets | 3.2475% | 3,158 |
| Loan and lease loss provision to assets | 0.0316% | 7,010 |
| Net operating income to assets | 0.5766% | 4,411 |
| Return on assets (ROA) | 0.6220% | 4,072 |
| Pretax return on assets | 0.9061% | 3,698 |
| Return on Equity (ROE) | 4.7792% | 4,483 |
| Retained earnings to average equity (ytd only) | 4.7792% | 2,160 |
| Net charge-offs to loans | 0.0349% | 6,320 |
| Credit loss provision to net charge-offs | 133.5664% | 3,977 |
| Earnings coverage of net charge-offs (x) | 36.8042% | 1,003 |
| Efficiency ratio | 78.4419% | 2,847 |
| Assets per employee ($millions) | 2.5425% | 7,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3165% | 8,074 |
| Loan loss allowance to noncurrent loans | 116.1625% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 6,709 |
| Noncurrent loans to loans | 0.2725% | 6,558 |
| Net loans and leases to total assets | 66.5976% | 4,734 |
| Net loans and leases to deposits | 90.0550% | 3,445 |
| Net loans and leases to core deposits | 106.7214% | 4,114 |
| Total domestic deposits to total assets | 73.9521% | 6,663 |
| Equity capital to assets | 13.2183% | 1,702 |
| Core capital (leverage) ratio | 12.3597% | 1,801 |
| Tier 1 risk-based capital ratio | 22.4986% | 1,252 |
| Total risk-based capital ratio | 22.8892% | 1,328 |
| Memoranda: | ||
| Average total assets | $603,543,200 | 1,120 |
| Average earning assets | $554,000,800 | 1,110 |
| Average equity | $78,548,800 | 847 |
| Average total loans | $410,193,000 | 1,173 |