Home > First Federal Savings and Loan Association of McMinnville > Performance and Condition Ratios
First Federal Savings and Loan Association of McMinnville, 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 | 4.1281% | 4,209 |
| Cost of funding earning assets | 1.5083% | 3,174 |
| Net interest margin | 2.6199% | 3,927 |
| Noninterest income to average assets | 0.3400% | 2,607 |
| Noninterest expense to average assets | 2.4624% | 2,412 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.2415% | 3,930 |
| Return on assets (ROA) | 0.2415% | 3,962 |
| Pretax return on assets | 0.2903% | 3,947 |
| Return on Equity (ROE) | 2.4000% | 3,951 |
| Retained earnings to average equity (ytd only) | 2.3959% | 3,241 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 88.4750% | 557 |
| Assets per employee ($millions) | 8.1480% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 3,175 |
| Loan loss allowance to noncurrent loans | 3,276.0000% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 3,604 |
| Noncurrent loans to loans | 0.0308% | 3,549 |
| Net loans and leases to total assets | 60.1500% | 2,860 |
| Net loans and leases to deposits | 69.8712% | 2,870 |
| Net loans and leases to core deposits | 77.7176% | 2,840 |
| Total domestic deposits to total assets | 86.0900% | 2,270 |
| Equity capital to assets | 10.1819% | 2,109 |
| Core capital (leverage) ratio | 11.6920% | 1,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0095% | 510 |
| Memoranda: | ||
| Average total assets | $655,945,500 | 1,438 |
| Average earning assets | $612,094,500 | 1,422 |
| Average equity | $66,114,000 | 1,425 |
| Average total loans | $404,301,000 | 1,548 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0307% | 4,261 |
| Cost of funding earning assets | 1.4477% | 3,448 |
| Net interest margin | 2.5831% | 3,796 |
| Noninterest income to average assets | 0.3700% | 2,639 |
| Noninterest expense to average assets | 2.4627% | 2,406 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.2428% | 3,927 |
| Return on assets (ROA) | 0.2428% | 3,955 |
| Pretax return on assets | 0.3050% | 3,924 |
| Return on Equity (ROE) | 2.4700% | 3,936 |
| Retained earnings to average equity (ytd only) | 2.4727% | 3,228 |
| Net charge-offs to loans | 0.0023% | 2,934 |
| Credit loss provision to net charge-offs | 1,266.6667% | 337 |
| Earnings coverage of net charge-offs (x) | 222.2222% | 478 |
| Efficiency ratio | 88.6769% | 561 |
| Assets per employee ($millions) | 7.6638% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 3,193 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 61.9100% | 2,771 |
| Net loans and leases to deposits | 71.8434% | 2,803 |
| Net loans and leases to core deposits | 79.2972% | 2,825 |
| Total domestic deposits to total assets | 86.1700% | 2,173 |
| Equity capital to assets | 9.9726% | 2,147 |
| Core capital (leverage) ratio | 11.7686% | 1,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8744% | 532 |
| Memoranda: | ||
| Average total assets | $635,999,600 | 1,461 |
| Average earning assets | $592,818,000 | 1,450 |
| Average equity | $62,441,200 | 1,441 |
| Average total loans | $395,108,400 | 1,540 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 231,642.0000% | 10 |
| Cost of funding earning assets | 60.0000% | 26 |
| Net interest margin | 0.0000% | 4,479 |
| Noninterest income to average assets | 0.0000% | 4,470 |
| Noninterest expense to average assets | 0.0000% | 4,496 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 0.2065% | 4,024 |
| Pretax return on assets | 0.2593% | 4,001 |
| Return on Equity (ROE) | 2.1100% | 4,010 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,956 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 3.0000% | 2,235 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 15,800.0000% | 15 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 2.8877% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 578.0000% | 32 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 0.0000% | 4,418 |
| Net loans and leases to core deposits | 0.0000% | 4,405 |
| Total domestic deposits to total assets | 0.0000% | 4,481 |
| Equity capital to assets | 19,153.0000% | 37 |
| Core capital (leverage) ratio | 0.0000% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,000 | 4,537 |
| Average earning assets | $10,423 | 4,486 |
| Average equity | $1,965,000 | 4,454 |
| Average total loans | NA | NA |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 4,348 |
| Cost of funding earning assets | 1.3601% | 3,531 |
| Net interest margin | 2.5176% | 3,854 |
| Noninterest income to average assets | 0.3400% | 2,750 |
| Noninterest expense to average assets | 2.4553% | 2,367 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.1547% | 4,058 |
| Return on assets (ROA) | 0.1547% | 4,088 |
| Pretax return on assets | 0.1945% | 4,070 |
| Return on Equity (ROE) | 1.6200% | 4,069 |
| Retained earnings to average equity (ytd only) | 1.6161% | 3,452 |
| Net charge-offs to loans | 0.0046% | 2,286 |
| Credit loss provision to net charge-offs | 1,111.1111% | 369 |
| Earnings coverage of net charge-offs (x) | 79.4444% | 886 |
| Efficiency ratio | 91.5654% | 496 |
| Assets per employee ($millions) | 7.6286% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 3,215 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.5000% | 2,813 |
| Net loans and leases to deposits | 70.6573% | 2,944 |
| Net loans and leases to core deposits | 77.2118% | 2,967 |
| Total domestic deposits to total assets | 87.0300% | 1,648 |
| Equity capital to assets | 9.6379% | 2,312 |
| Core capital (leverage) ratio | 11.7559% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4216% | 569 |
| Memoranda: | ||
| Average total assets | $632,269,333 | 1,454 |
| Average earning assets | $589,218,000 | 1,446 |
| Average equity | $60,515,667 | 1,458 |
| Average total loans | $387,924,333 | 1,546 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8613% | 4,353 |
| Cost of funding earning assets | 1.3370% | 3,499 |
| Net interest margin | 2.5243% | 3,837 |
| Noninterest income to average assets | 0.3400% | 2,684 |
| Noninterest expense to average assets | 2.5178% | 2,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.1395% | 4,063 |
| Return on assets (ROA) | 0.1395% | 4,106 |
| Pretax return on assets | 0.1707% | 4,077 |
| Return on Equity (ROE) | 1.4600% | 4,082 |
| Retained earnings to average equity (ytd only) | 1.4626% | 3,378 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 93.6508% | 455 |
| Assets per employee ($millions) | 7.4520% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 3,185 |
| Loan loss allowance to noncurrent loans | 23,176.4706% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 3,840 |
| Noncurrent loans to loans | 0.0044% | 3,783 |
| Net loans and leases to total assets | 60.9000% | 2,772 |
| Net loans and leases to deposits | 69.1307% | 2,960 |
| Net loans and leases to core deposits | 74.7333% | 3,066 |
| Total domestic deposits to total assets | 88.1000% | 1,386 |
| Equity capital to assets | 9.4882% | 2,329 |
| Core capital (leverage) ratio | 11.7627% | 1,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0101% | 541 |
| Memoranda: | ||
| Average total assets | $628,002,500 | 1,465 |
| Average earning assets | $584,874,000 | 1,458 |
| Average equity | $59,893,500 | 1,462 |
| Average total loans | $382,839,500 | 1,562 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5805% | 4,361 |
| Cost of funding earning assets | 0.7377% | 3,871 |
| Net interest margin | 2.8428% | 3,584 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.4589% | 2,418 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.4115% | 3,845 |
| Return on assets (ROA) | 0.4115% | 3,844 |
| Pretax return on assets | 0.5478% | 3,727 |
| Return on Equity (ROE) | 4.4700% | 3,821 |
| Retained earnings to average equity (ytd only) | 4.4730% | 2,806 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.9670% | 780 |
| Assets per employee ($millions) | 7.5004% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 3,131 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 59.7700% | 2,863 |
| Net loans and leases to deposits | 69.7808% | 2,900 |
| Net loans and leases to core deposits | 75.0603% | 3,025 |
| Total domestic deposits to total assets | 85.6500% | 2,126 |
| Equity capital to assets | 9.5858% | 2,282 |
| Core capital (leverage) ratio | 11.8646% | 1,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0528% | 536 |
| Memoranda: | ||
| Average total assets | $625,006,800 | 1,427 |
| Average earning assets | $581,406,400 | 1,415 |
| Average equity | $57,501,200 | 1,433 |
| Average total loans | $360,030,000 | 1,579 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5267% | 4,366 |
| Cost of funding earning assets | 0.6108% | 3,950 |
| Net interest margin | 2.9160% | 3,507 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.4454% | 2,389 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4688% | 3,830 |
| Return on assets (ROA) | 0.4688% | 3,831 |
| Pretax return on assets | 0.6263% | 3,693 |
| Return on Equity (ROE) | 5.1500% | 3,784 |
| Retained earnings to average equity (ytd only) | 5.1498% | 2,883 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.6103% | 883 |
| Assets per employee ($millions) | 7.4339% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 2,637 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 58.3000% | 3,004 |
| Net loans and leases to deposits | 67.6656% | 3,001 |
| Net loans and leases to core deposits | 72.5376% | 3,077 |
| Total domestic deposits to total assets | 86.1600% | 2,147 |
| Equity capital to assets | 8.9846% | 2,430 |
| Core capital (leverage) ratio | 11.7742% | 1,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4211% | 523 |
| Memoranda: | ||
| Average total assets | $623,749,750 | 1,426 |
| Average earning assets | $580,239,500 | 1,414 |
| Average equity | $56,778,000 | 1,436 |
| Average total loans | $354,910,000 | 1,594 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5018% | 4,343 |
| Cost of funding earning assets | 0.5101% | 3,960 |
| Net interest margin | 2.9917% | 3,449 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.4336% | 2,392 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5248% | 3,756 |
| Return on assets (ROA) | 0.5248% | 3,765 |
| Pretax return on assets | 0.7044% | 3,596 |
| Return on Equity (ROE) | 5.7400% | 3,750 |
| Retained earnings to average equity (ytd only) | 5.7401% | 2,717 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.5529% | 1,035 |
| Assets per employee ($millions) | 7.2254% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,448 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 56.6500% | 3,073 |
| Net loans and leases to deposits | 63.9770% | 3,191 |
| Net loans and leases to core deposits | 67.8775% | 3,238 |
| Total domestic deposits to total assets | 88.5400% | 1,406 |
| Equity capital to assets | 9.3417% | 2,276 |
| Core capital (leverage) ratio | 11.6812% | 1,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3481% | 466 |
| Memoranda: | ||
| Average total assets | $623,517,000 | 1,426 |
| Average earning assets | $580,278,333 | 1,421 |
| Average equity | $57,002,667 | 1,438 |
| Average total loans | $350,455,333 | 1,600 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4101% | 4,364 |
| Cost of funding earning assets | 0.4248% | 3,898 |
| Net interest margin | 2.9853% | 3,636 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.3585% | 2,642 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5737% | 3,740 |
| Return on assets (ROA) | 0.5737% | 3,707 |
| Pretax return on assets | 0.7705% | 3,532 |
| Return on Equity (ROE) | 6.3400% | 3,648 |
| Retained earnings to average equity (ytd only) | 6.3431% | 2,673 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.3765% | 1,215 |
| Assets per employee ($millions) | 7.4329% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,587 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 55.3000% | 3,088 |
| Net loans and leases to deposits | 62.3628% | 3,205 |
| Net loans and leases to core deposits | 66.1093% | 3,217 |
| Total domestic deposits to total assets | 88.6700% | 1,673 |
| Equity capital to assets | 9.3240% | 2,279 |
| Core capital (leverage) ratio | 11.5008% | 1,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3891% | 546 |
| Memoranda: | ||
| Average total assets | $628,197,000 | 1,440 |
| Average earning assets | $584,736,500 | 1,432 |
| Average equity | $56,817,500 | 1,456 |
| Average total loans | $349,621,500 | 1,617 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9312% | 4,209 |
| Cost of funding earning assets | 0.1786% | 3,923 |
| Net interest margin | 2.7526% | 3,972 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.3233% | 2,663 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4444% | 4,184 |
| Return on assets (ROA) | 0.4303% | 4,168 |
| Pretax return on assets | 0.5730% | 4,074 |
| Return on Equity (ROE) | 4.6300% | 4,073 |
| Retained earnings to average equity (ytd only) | 4.6336% | 3,199 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.7224% | 738 |
| Assets per employee ($millions) | 7.4356% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,285 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 54.6600% | 3,144 |
| Net loans and leases to deposits | 61.2574% | 3,257 |
| Net loans and leases to core deposits | 64.0576% | 3,262 |
| Total domestic deposits to total assets | 89.2400% | 1,650 |
| Equity capital to assets | 8.7619% | 2,524 |
| Core capital (leverage) ratio | 11.3218% | 1,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6900% | 500 |
| Memoranda: | ||
| Average total assets | $635,430,000 | 1,411 |
| Average earning assets | $594,676,000 | 1,397 |
| Average equity | $59,003,800 | 1,421 |
| Average total loans | $333,919,600 | 1,591 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8168% | 4,177 |
| Cost of funding earning assets | 0.1689% | 3,637 |
| Net interest margin | 2.6478% | 4,028 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.3229% | 2,564 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3753% | 4,277 |
| Return on assets (ROA) | 0.3564% | 4,260 |
| Pretax return on assets | 0.4724% | 4,183 |
| Return on Equity (ROE) | 3.7900% | 4,183 |
| Retained earnings to average equity (ytd only) | 3.7864% | 3,517 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.3983% | 636 |
| Assets per employee ($millions) | 7.5872% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 2,412 |
| Loan loss allowance to noncurrent loans | 1,558.3026% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 3,477 |
| Noncurrent loans to loans | 0.0784% | 3,313 |
| Net loans and leases to total assets | 54.2200% | 3,078 |
| Net loans and leases to deposits | 59.7036% | 3,223 |
| Net loans and leases to core deposits | 61.0664% | 3,299 |
| Total domestic deposits to total assets | 90.8100% | 1,314 |
| Equity capital to assets | 8.4207% | 2,594 |
| Core capital (leverage) ratio | 11.0419% | 1,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2391% | 544 |
| Memoranda: | ||
| Average total assets | $638,139,000 | 1,412 |
| Average earning assets | $598,357,750 | 1,395 |
| Average equity | $60,073,250 | 1,420 |
| Average total loans | $330,988,000 | 1,597 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6913% | 4,154 |
| Cost of funding earning assets | 0.1335% | 3,798 |
| Net interest margin | 2.5578% | 3,985 |
| Noninterest income to average assets | 0.3323% | 3,168 |
| Noninterest expense to average assets | 2.2982% | 2,555 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3326% | 4,229 |
| Return on assets (ROA) | 0.3326% | 4,184 |
| Pretax return on assets | 0.4378% | 4,102 |
| Return on Equity (ROE) | 3.4155% | 4,150 |
| Retained earnings to average equity (ytd only) | 3.4155% | 3,304 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9986% | 681 |
| Assets per employee ($millions) | 7.1138% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 2,299 |
| Loan loss allowance to noncurrent loans | 1,558.3026% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 3,563 |
| Noncurrent loans to loans | 0.0819% | 3,371 |
| Net loans and leases to total assets | 51.0527% | 3,259 |
| Net loans and leases to deposits | 56.5143% | 3,340 |
| Net loans and leases to core deposits | 57.7791% | 3,436 |
| Total domestic deposits to total assets | 90.3358% | 1,559 |
| Equity capital to assets | 8.9491% | 2,413 |
| Core capital (leverage) ratio | 11.2266% | 1,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6044% | 497 |
| Memoranda: | ||
| Average total assets | $640,940,000 | 1,407 |
| Average earning assets | $602,320,000 | 1,398 |
| Average equity | $62,421,667 | 1,404 |
| Average total loans | $326,099,667 | 1,610 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5782% | 4,161 |
| Cost of funding earning assets | 0.1345% | 3,707 |
| Net interest margin | 2.4437% | 3,999 |
| Noninterest income to average assets | 0.3362% | 3,081 |
| Noninterest expense to average assets | 2.2879% | 2,544 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2651% | 4,212 |
| Return on assets (ROA) | 0.2651% | 4,179 |
| Pretax return on assets | 0.3487% | 4,111 |
| Return on Equity (ROE) | 2.6160% | 4,164 |
| Retained earnings to average equity (ytd only) | 2.6160% | 3,382 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7755% | 688 |
| Assets per employee ($millions) | 7.0644% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 2,341 |
| Loan loss allowance to noncurrent loans | 1,481.7544% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 3,592 |
| Noncurrent loans to loans | 0.0880% | 3,398 |
| Net loans and leases to total assets | 49.7028% | 3,205 |
| Net loans and leases to deposits | 55.3204% | 3,315 |
| Net loans and leases to core deposits | 56.6012% | 3,405 |
| Total domestic deposits to total assets | 89.8453% | 1,662 |
| Equity capital to assets | 9.4534% | 2,322 |
| Core capital (leverage) ratio | 11.1037% | 1,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7614% | 509 |
| Memoranda: | ||
| Average total assets | $641,289,500 | 1,407 |
| Average earning assets | $603,677,000 | 1,401 |
| Average equity | $64,984,500 | 1,406 |
| Average total loans | $323,608,000 | 1,606 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6493% | 4,357 |
| Cost of funding earning assets | 0.1746% | 3,719 |
| Net interest margin | 2.4747% | 4,223 |
| Noninterest income to average assets | 0.3317% | 3,427 |
| Noninterest expense to average assets | 2.2629% | 2,908 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3156% | 4,405 |
| Return on assets (ROA) | 0.3156% | 4,426 |
| Pretax return on assets | 0.4164% | 4,375 |
| Return on Equity (ROE) | 2.6716% | 4,416 |
| Retained earnings to average equity (ytd only) | 2.6716% | 3,773 |
| Net charge-offs to loans | -0.0045% | 3,531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4598% | 551 |
| Assets per employee ($millions) | 6.8787% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 2,334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 49.9048% | 3,289 |
| Net loans and leases to deposits | 56.3779% | 3,385 |
| Net loans and leases to core deposits | 57.8218% | 3,490 |
| Total domestic deposits to total assets | 88.5185% | 1,780 |
| Equity capital to assets | 10.8167% | 1,926 |
| Core capital (leverage) ratio | 11.5634% | 1,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7013% | 455 |
| Memoranda: | ||
| Average total assets | $594,180,200 | 1,465 |
| Average earning assets | $563,665,200 | 1,446 |
| Average equity | $70,182,600 | 1,343 |
| Average total loans | $309,264,200 | 1,667 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6783% | 4,429 |
| Cost of funding earning assets | 0.1853% | 3,759 |
| Net interest margin | 2.4930% | 4,287 |
| Noninterest income to average assets | 0.3146% | 3,537 |
| Noninterest expense to average assets | 2.2516% | 2,888 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3251% | 4,482 |
| Return on assets (ROA) | 0.3251% | 4,511 |
| Pretax return on assets | 0.4294% | 4,454 |
| Return on Equity (ROE) | 2.6901% | 4,504 |
| Retained earnings to average equity (ytd only) | 2.6901% | 4,005 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9833% | 521 |
| Assets per employee ($millions) | 6.8808% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 2,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 51.1540% | 3,286 |
| Net loans and leases to deposits | 58.3468% | 3,378 |
| Net loans and leases to core deposits | 59.8937% | 3,476 |
| Total domestic deposits to total assets | 87.6724% | 2,020 |
| Equity capital to assets | 11.5335% | 1,647 |
| Core capital (leverage) ratio | 11.6666% | 1,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8967% | 491 |
| Memoranda: | ||
| Average total assets | $582,794,750 | 1,505 |
| Average earning assets | $553,217,750 | 1,485 |
| Average equity | $70,429,000 | 1,363 |
| Average total loans | $305,711,500 | 1,709 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7151% | 4,441 |
| Cost of funding earning assets | 0.1968% | 3,786 |
| Net interest margin | 2.5183% | 4,278 |
| Noninterest income to average assets | 0.3009% | 3,630 |
| Noninterest expense to average assets | 2.2146% | 3,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3655% | 4,446 |
| Return on assets (ROA) | 0.3655% | 4,482 |
| Pretax return on assets | 0.4810% | 4,415 |
| Return on Equity (ROE) | 2.9760% | 4,478 |
| Retained earnings to average equity (ytd only) | 2.9760% | 3,845 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1549% | 664 |
| Assets per employee ($millions) | 6.7911% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 2,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 50.2922% | 3,532 |
| Net loans and leases to deposits | 57.4410% | 3,603 |
| Net loans and leases to core deposits | 59.0082% | 3,684 |
| Total domestic deposits to total assets | 87.5545% | 2,065 |
| Equity capital to assets | 11.7630% | 1,481 |
| Core capital (leverage) ratio | 11.9167% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4199% | 408 |
| Memoranda: | ||
| Average total assets | $572,929,667 | 1,515 |
| Average earning assets | $544,814,333 | 1,496 |
| Average equity | $70,362,000 | 1,356 |
| Average total loans | $301,791,667 | 1,736 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7628% | 4,414 |
| Cost of funding earning assets | 0.2096% | 3,835 |
| Net interest margin | 2.5532% | 4,231 |
| Noninterest income to average assets | 0.3361% | 3,422 |
| Noninterest expense to average assets | 2.3069% | 2,765 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3518% | 4,447 |
| Return on assets (ROA) | 0.3518% | 4,475 |
| Pretax return on assets | 0.4631% | 4,406 |
| Return on Equity (ROE) | 2.8014% | 4,506 |
| Retained earnings to average equity (ytd only) | 2.8014% | 3,839 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2818% | 632 |
| Assets per employee ($millions) | 6.8183% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 2,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 52.5137% | 3,394 |
| Net loans and leases to deposits | 60.2990% | 3,458 |
| Net loans and leases to core deposits | 61.7157% | 3,597 |
| Total domestic deposits to total assets | 87.0889% | 2,278 |
| Equity capital to assets | 12.2319% | 1,183 |
| Core capital (leverage) ratio | 12.7002% | 926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6813% | 368 |
| Memoranda: | ||
| Average total assets | $560,584,500 | 1,536 |
| Average earning assets | $534,383,500 | 1,505 |
| Average equity | $70,394,000 | 1,349 |
| Average total loans | $300,305,000 | 1,749 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2806% | 4,357 |
| Cost of funding earning assets | 0.3432% | 3,908 |
| Net interest margin | 2.9374% | 4,044 |
| Noninterest income to average assets | 0.2957% | 3,717 |
| Noninterest expense to average assets | 2.3763% | 3,187 |
| Loan and lease loss provision to assets | 0.2031% | 1,933 |
| Net operating income to assets | 0.4054% | 4,233 |
| Return on assets (ROA) | 0.4150% | 4,296 |
| Pretax return on assets | 0.5474% | 4,182 |
| Return on Equity (ROE) | 3.0190% | 4,375 |
| Retained earnings to average equity (ytd only) | 3.0190% | 3,340 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2932% | 1,189 |
| Assets per employee ($millions) | 6.2322% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 1,874 |
| Loan loss allowance to noncurrent loans | 1,421.9595% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 4,071 |
| Noncurrent loans to loans | 0.1001% | 3,891 |
| Net loans and leases to total assets | 53.1381% | 3,568 |
| Net loans and leases to deposits | 61.4897% | 3,641 |
| Net loans and leases to core deposits | 62.8405% | 3,781 |
| Total domestic deposits to total assets | 86.4179% | 2,183 |
| Equity capital to assets | 12.8971% | 1,134 |
| Core capital (leverage) ratio | 12.7605% | 963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7408% | 326 |
| Memoranda: | ||
| Average total assets | $504,610,000 | 1,538 |
| Average earning assets | $484,270,000 | 1,496 |
| Average equity | $69,361,600 | 1,304 |
| Average total loans | $287,273,600 | 1,736 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3743% | 4,384 |
| Cost of funding earning assets | 0.3731% | 3,945 |
| Net interest margin | 3.0013% | 3,974 |
| Noninterest income to average assets | 0.3165% | 3,595 |
| Noninterest expense to average assets | 2.4321% | 3,048 |
| Loan and lease loss provision to assets | 0.2769% | 1,451 |
| Net operating income to assets | 0.3713% | 4,322 |
| Return on assets (ROA) | 0.3841% | 4,358 |
| Pretax return on assets | 0.5072% | 4,264 |
| Return on Equity (ROE) | 2.7470% | 4,437 |
| Retained earnings to average equity (ytd only) | 2.7470% | 3,625 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0044% | 1,204 |
| Assets per employee ($millions) | 6.0689% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 1,487 |
| Loan loss allowance to noncurrent loans | 952.2624% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 4,021 |
| Noncurrent loans to loans | 0.1538% | 3,770 |
| Net loans and leases to total assets | 53.0105% | 3,888 |
| Net loans and leases to deposits | 61.5237% | 3,957 |
| Net loans and leases to core deposits | 62.9312% | 4,058 |
| Total domestic deposits to total assets | 86.1628% | 1,998 |
| Equity capital to assets | 13.0952% | 1,138 |
| Core capital (leverage) ratio | 13.2307% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2245% | 272 |
| Memoranda: | ||
| Average total assets | $493,653,750 | 1,551 |
| Average earning assets | $474,275,250 | 1,503 |
| Average equity | $69,019,000 | 1,301 |
| Average total loans | $285,182,750 | 1,743 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4826% | 4,432 |
| Cost of funding earning assets | 0.4041% | 4,021 |
| Net interest margin | 3.0785% | 3,947 |
| Noninterest income to average assets | 0.3215% | 3,538 |
| Noninterest expense to average assets | 2.4986% | 2,963 |
| Loan and lease loss provision to assets | 0.1770% | 2,250 |
| Net operating income to assets | 0.4512% | 4,129 |
| Return on assets (ROA) | 0.4702% | 4,151 |
| Pretax return on assets | 0.6302% | 4,002 |
| Return on Equity (ROE) | 3.2861% | 4,288 |
| Retained earnings to average equity (ytd only) | 3.2861% | 3,273 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1391% | 1,251 |
| Assets per employee ($millions) | 6.0441% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 2,237 |
| Loan loss allowance to noncurrent loans | 793.1868% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 4,082 |
| Noncurrent loans to loans | 0.1581% | 3,826 |
| Net loans and leases to total assets | 55.9633% | 3,690 |
| Net loans and leases to deposits | 65.4887% | 3,762 |
| Net loans and leases to core deposits | 66.9507% | 3,925 |
| Total domestic deposits to total assets | 85.4549% | 2,224 |
| Equity capital to assets | 13.7822% | 902 |
| Core capital (leverage) ratio | 14.4903% | 655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3617% | 275 |
| Memoranda: | ||
| Average total assets | $480,183,000 | 1,555 |
| Average earning assets | $461,720,000 | 1,507 |
| Average equity | $68,713,000 | 1,291 |
| Average total loans | $284,470,333 | 1,730 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7134% | 4,369 |
| Cost of funding earning assets | 0.4354% | 4,216 |
| Net interest margin | 3.2780% | 3,649 |
| Noninterest income to average assets | 0.3696% | 3,302 |
| Noninterest expense to average assets | 2.5539% | 3,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7180% | 3,214 |
| Return on assets (ROA) | 0.7573% | 3,143 |
| Pretax return on assets | 1.0162% | 2,794 |
| Return on Equity (ROE) | 5.1878% | 3,574 |
| Retained earnings to average equity (ytd only) | 5.1878% | 2,200 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5457% | 1,999 |
| Assets per employee ($millions) | 5.5766% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 2,987 |
| Loan loss allowance to noncurrent loans | 1,684.6561% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 4,414 |
| Noncurrent loans to loans | 0.0677% | 4,265 |
| Net loans and leases to total assets | 58.2406% | 3,653 |
| Net loans and leases to deposits | 68.7948% | 3,675 |
| Net loans and leases to core deposits | 70.3621% | 3,859 |
| Total domestic deposits to total assets | 84.6584% | 2,542 |
| Equity capital to assets | 14.5612% | 872 |
| Core capital (leverage) ratio | 14.7625% | 726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0203% | 283 |
| Memoranda: | ||
| Average total assets | $466,422,500 | 1,546 |
| Average earning assets | $448,319,000 | 1,496 |
| Average equity | $68,083,000 | 1,294 |
| Average total loans | $282,837,000 | 1,700 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9386% | 4,366 |
| Cost of funding earning assets | 0.4691% | 4,205 |
| Net interest margin | 3.4695% | 3,537 |
| Noninterest income to average assets | 0.3666% | 3,504 |
| Noninterest expense to average assets | 2.6800% | 2,941 |
| Loan and lease loss provision to assets | -0.0027% | 4,910 |
| Net operating income to assets | 0.7574% | 3,682 |
| Return on assets (ROA) | 0.7656% | 3,741 |
| Pretax return on assets | 1.0295% | 3,390 |
| Return on Equity (ROE) | 5.2333% | 4,152 |
| Retained earnings to average equity (ytd only) | 5.2333% | 2,297 |
| Net charge-offs to loans | -0.0007% | 4,158 |
| Credit loss provision to net charge-offs | 600.0000% | 512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5023% | 1,793 |
| Assets per employee ($millions) | 5.3980% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 2,880 |
| Loan loss allowance to noncurrent loans | 1,861.9883% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 4,456 |
| Noncurrent loans to loans | 0.0597% | 4,305 |
| Net loans and leases to total assets | 61.7302% | 3,428 |
| Net loans and leases to deposits | 73.0031% | 3,437 |
| Net loans and leases to core deposits | 74.5919% | 3,668 |
| Total domestic deposits to total assets | 84.5584% | 2,659 |
| Equity capital to assets | 14.6337% | 891 |
| Core capital (leverage) ratio | 14.6688% | 754 |
| Tier 1 risk-based capital ratio | 27.8961% | 566 |
| Total risk-based capital ratio | 29.1470% | 555 |
| Memoranda: | ||
| Average total assets | $444,879,800 | 1,578 |
| Average earning assets | $426,976,800 | 1,519 |
| Average equity | $65,083,000 | 1,293 |
| Average total loans | $283,013,400 | 1,677 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9794% | 4,404 |
| Cost of funding earning assets | 0.4652% | 4,286 |
| Net interest margin | 3.5142% | 3,526 |
| Noninterest income to average assets | 0.3761% | 3,463 |
| Noninterest expense to average assets | 2.6950% | 2,880 |
| Loan and lease loss provision to assets | -0.0036% | 5,036 |
| Net operating income to assets | 0.7853% | 3,717 |
| Return on assets (ROA) | 0.7860% | 3,785 |
| Pretax return on assets | 1.0578% | 3,423 |
| Return on Equity (ROE) | 5.3730% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.3730% | 2,690 |
| Net charge-offs to loans | -0.0009% | 3,997 |
| Credit loss provision to net charge-offs | 600.0000% | 537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8994% | 1,849 |
| Assets per employee ($millions) | 5.3377% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 2,854 |
| Loan loss allowance to noncurrent loans | 1,840.4624% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 4,535 |
| Noncurrent loans to loans | 0.0616% | 4,359 |
| Net loans and leases to total assets | 60.4702% | 3,636 |
| Net loans and leases to deposits | 71.3971% | 3,650 |
| Net loans and leases to core deposits | 72.9193% | 3,895 |
| Total domestic deposits to total assets | 84.6956% | 2,540 |
| Equity capital to assets | 14.4698% | 990 |
| Core capital (leverage) ratio | 14.6232% | 830 |
| Tier 1 risk-based capital ratio | 28.1788% | 563 |
| Total risk-based capital ratio | 29.4301% | 544 |
| Memoranda: | ||
| Average total assets | $441,391,750 | 1,592 |
| Average earning assets | $423,569,750 | 1,540 |
| Average equity | $64,567,750 | 1,300 |
| Average total loans | $282,161,250 | 1,694 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9626% | 4,455 |
| Cost of funding earning assets | 0.4424% | 4,352 |
| Net interest margin | 3.5202% | 3,531 |
| Noninterest income to average assets | 0.3486% | 3,605 |
| Noninterest expense to average assets | 2.6966% | 2,920 |
| Loan and lease loss provision to assets | -0.0055% | 5,109 |
| Net operating income to assets | 0.7704% | 3,750 |
| Return on assets (ROA) | 0.7715% | 3,813 |
| Pretax return on assets | 1.0356% | 3,431 |
| Return on Equity (ROE) | 5.2541% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.2541% | 2,640 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3866% | 1,864 |
| Assets per employee ($millions) | 4.9513% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 2,909 |
| Loan loss allowance to noncurrent loans | 1,797.7401% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 4,569 |
| Noncurrent loans to loans | 0.0628% | 4,404 |
| Net loans and leases to total assets | 62.5395% | 3,490 |
| Net loans and leases to deposits | 74.0255% | 3,515 |
| Net loans and leases to core deposits | 75.4570% | 3,773 |
| Total domestic deposits to total assets | 84.4837% | 2,690 |
| Equity capital to assets | 14.6866% | 896 |
| Core capital (leverage) ratio | 14.8887% | 731 |
| Tier 1 risk-based capital ratio | 27.8980% | 571 |
| Total risk-based capital ratio | 29.1487% | 555 |
| Memoranda: | ||
| Average total assets | $435,509,330 | 1,613 |
| Average earning assets | $417,756,000 | 1,561 |
| Average equity | $63,949,670 | 1,307 |
| Average total loans | $282,626,330 | 1,703 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9799% | 4,406 |
| Cost of funding earning assets | 0.4152% | 4,423 |
| Net interest margin | 3.5647% | 3,384 |
| Noninterest income to average assets | 0.3605% | 3,442 |
| Noninterest expense to average assets | 2.7524% | 2,734 |
| Loan and lease loss provision to assets | -0.0112% | 5,213 |
| Net operating income to assets | 0.7700% | 3,712 |
| Return on assets (ROA) | 0.7722% | 3,758 |
| Pretax return on assets | 1.0370% | 3,318 |
| Return on Equity (ROE) | 5.2594% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.2594% | 2,796 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9018% | 1,896 |
| Assets per employee ($millions) | 4.8499% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 3,006 |
| Loan loss allowance to noncurrent loans | 1,446.3636% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 4,575 |
| Noncurrent loans to loans | 0.0776% | 4,415 |
| Net loans and leases to total assets | 64.2511% | 3,253 |
| Net loans and leases to deposits | 75.9855% | 3,260 |
| Net loans and leases to core deposits | 77.1229% | 3,586 |
| Total domestic deposits to total assets | 84.5569% | 2,834 |
| Equity capital to assets | 14.6501% | 836 |
| Core capital (leverage) ratio | 14.9594% | 706 |
| Tier 1 risk-based capital ratio | 27.0361% | 616 |
| Total risk-based capital ratio | 28.2872% | 604 |
| Memoranda: | ||
| Average total assets | $430,456,000 | 1,631 |
| Average earning assets | $412,372,000 | 1,584 |
| Average equity | $63,201,500 | 1,311 |
| Average total loans | $283,005,500 | 1,707 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8558% | 4,380 |
| Cost of funding earning assets | 0.1699% | 5,115 |
| Net interest margin | 3.6858% | 3,094 |
| Noninterest income to average assets | 0.3473% | 3,787 |
| Noninterest expense to average assets | 2.7358% | 2,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8252% | 3,708 |
| Return on assets (ROA) | 0.8252% | 3,707 |
| Pretax return on assets | 1.1365% | 3,145 |
| Return on Equity (ROE) | 5.7519% | 4,252 |
| Retained earnings to average equity (ytd only) | 5.7519% | 2,323 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6516% | 2,086 |
| Assets per employee ($millions) | 4.7158% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 2,921 |
| Loan loss allowance to noncurrent loans | 1,413.2743% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 4,345 |
| Noncurrent loans to loans | 0.0800% | 4,390 |
| Net loans and leases to total assets | 65.7802% | 3,163 |
| Net loans and leases to deposits | 77.9166% | 3,172 |
| Net loans and leases to core deposits | 78.9974% | 3,501 |
| Total domestic deposits to total assets | 84.4238% | 2,860 |
| Equity capital to assets | 14.7157% | 784 |
| Core capital (leverage) ratio | 14.7635% | 737 |
| Tier 1 risk-based capital ratio | 26.1386% | 658 |
| Total risk-based capital ratio | 27.3895% | 649 |
| Memoranda: | ||
| Average total assets | $422,102,000 | 1,617 |
| Average earning assets | $403,681,600 | 1,573 |
| Average equity | $60,553,600 | 1,308 |
| Average total loans | $275,813,000 | 1,691 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7945% | 4,450 |
| Cost of funding earning assets | 0.1342% | 5,265 |
| Net interest margin | 3.6603% | 3,167 |
| Noninterest income to average assets | 0.3483% | 3,810 |
| Noninterest expense to average assets | 2.7528% | 2,804 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7889% | 3,944 |
| Return on assets (ROA) | 0.7889% | 3,957 |
| Pretax return on assets | 1.0973% | 3,414 |
| Return on Equity (ROE) | 5.5349% | 4,407 |
| Retained earnings to average equity (ytd only) | 5.5349% | 2,932 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5002% | 1,961 |
| Assets per employee ($millions) | 4.8259% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 2,901 |
| Loan loss allowance to noncurrent loans | 347.1739% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 3,653 |
| Noncurrent loans to loans | 0.3313% | 3,481 |
| Net loans and leases to total assets | 63.1958% | 3,524 |
| Net loans and leases to deposits | 74.2405% | 3,572 |
| Net loans and leases to core deposits | 75.3419% | 3,852 |
| Total domestic deposits to total assets | 85.1231% | 2,560 |
| Equity capital to assets | 14.0476% | 946 |
| Core capital (leverage) ratio | 14.4657% | 833 |
| Tier 1 risk-based capital ratio | 25.9827% | 681 |
| Total risk-based capital ratio | 27.2342% | 670 |
| Memoranda: | ||
| Average total assets | $421,523,000 | 1,623 |
| Average earning assets | $403,276,500 | 1,589 |
| Average equity | $60,078,000 | 1,320 |
| Average total loans | $274,172,000 | 1,708 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7482% | 4,471 |
| Cost of funding earning assets | 0.1224% | 5,335 |
| Net interest margin | 3.6258% | 3,219 |
| Noninterest income to average assets | 0.3499% | 3,822 |
| Noninterest expense to average assets | 2.7614% | 2,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7535% | 4,019 |
| Return on assets (ROA) | 0.7535% | 4,021 |
| Pretax return on assets | 1.0540% | 3,498 |
| Return on Equity (ROE) | 5.2605% | 4,471 |
| Retained earnings to average equity (ytd only) | 5.2605% | 2,952 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3744% | 1,936 |
| Assets per employee ($millions) | 4.7865% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 2,956 |
| Loan loss allowance to noncurrent loans | 317.8109% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 3,632 |
| Noncurrent loans to loans | 0.3632% | 3,395 |
| Net loans and leases to total assets | 64.2000% | 3,376 |
| Net loans and leases to deposits | 75.4900% | 3,392 |
| Net loans and leases to core deposits | 77.6461% | 3,605 |
| Total domestic deposits to total assets | 85.0444% | 2,654 |
| Equity capital to assets | 14.1631% | 888 |
| Core capital (leverage) ratio | 14.7142% | 735 |
| Tier 1 risk-based capital ratio | 25.4504% | 702 |
| Total risk-based capital ratio | 26.7011% | 691 |
| Memoranda: | ||
| Average total assets | $417,253,670 | 1,647 |
| Average earning assets | $398,806,000 | 1,607 |
| Average equity | $59,766,330 | 1,331 |
| Average total loans | $273,005,000 | 1,721 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7497% | 4,359 |
| Cost of funding earning assets | 0.1126% | 5,418 |
| Net interest margin | 3.6371% | 3,040 |
| Noninterest income to average assets | 0.3953% | 3,503 |
| Noninterest expense to average assets | 2.7456% | 2,890 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8022% | 3,690 |
| Return on assets (ROA) | 0.8022% | 3,702 |
| Pretax return on assets | 1.1219% | 3,087 |
| Return on Equity (ROE) | 5.5681% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.5681% | 2,921 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9920% | 2,341 |
| Assets per employee ($millions) | 4.9293% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 3,041 |
| Loan loss allowance to noncurrent loans | 309.1965% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 3,597 |
| Noncurrent loans to loans | 0.3751% | 3,441 |
| Net loans and leases to total assets | 64.9610% | 3,183 |
| Net loans and leases to deposits | 76.4786% | 3,161 |
| Net loans and leases to core deposits | 78.8965% | 3,415 |
| Total domestic deposits to total assets | 84.9401% | 2,953 |
| Equity capital to assets | 14.2391% | 829 |
| Core capital (leverage) ratio | 14.7465% | 700 |
| Tier 1 risk-based capital ratio | 24.6500% | 777 |
| Total risk-based capital ratio | 25.9008% | 763 |
| Memoranda: | ||
| Average total assets | $412,880,500 | 1,673 |
| Average earning assets | $394,164,000 | 1,631 |
| Average equity | $59,482,000 | 1,342 |
| Average total loans | $271,164,500 | 1,736 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5744% | 4,629 |
| Cost of funding earning assets | 0.1038% | 5,482 |
| Net interest margin | 3.4706% | 3,619 |
| Noninterest income to average assets | 0.3642% | 3,862 |
| Noninterest expense to average assets | 2.6938% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5248% | 4,310 |
| Return on assets (ROA) | 0.5256% | 4,341 |
| Pretax return on assets | 0.9867% | 3,630 |
| Return on Equity (ROE) | 3.6563% | 4,626 |
| Retained earnings to average equity (ytd only) | 3.6563% | 3,060 |
| Net charge-offs to loans | -0.0280% | 5,048 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2160% | 2,029 |
| Assets per employee ($millions) | 4.9008% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 2,811 |
| Loan loss allowance to noncurrent loans | 303.3238% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 3,580 |
| Noncurrent loans to loans | 0.3945% | 3,347 |
| Net loans and leases to total assets | 64.8426% | 3,251 |
| Net loans and leases to deposits | 76.6579% | 3,262 |
| Net loans and leases to core deposits | 78.9825% | 3,505 |
| Total domestic deposits to total assets | 84.5870% | 2,999 |
| Equity capital to assets | 14.5791% | 761 |
| Core capital (leverage) ratio | 14.5343% | 723 |
| Tier 1 risk-based capital ratio | 24.2584% | 797 |
| Total risk-based capital ratio | 25.5090% | 779 |
| Memoranda: | ||
| Average total assets | $407,523,200 | 1,675 |
| Average earning assets | $389,270,800 | 1,635 |
| Average equity | $58,584,000 | 1,340 |
| Average total loans | $246,304,000 | 1,840 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5316% | 4,740 |
| Cost of funding earning assets | 0.1023% | 5,547 |
| Net interest margin | 3.4293% | 3,741 |
| Noninterest income to average assets | 0.3597% | 3,957 |
| Noninterest expense to average assets | 2.6587% | 3,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6317% | 4,267 |
| Return on assets (ROA) | 0.6328% | 4,319 |
| Pretax return on assets | 0.9817% | 3,759 |
| Return on Equity (ROE) | 4.4174% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.4174% | 3,269 |
| Net charge-offs to loans | -0.0382% | 5,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0655% | 2,033 |
| Assets per employee ($millions) | 4.8699% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 2,547 |
| Loan loss allowance to noncurrent loans | 314.0610% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 3,804 |
| Noncurrent loans to loans | 0.4030% | 3,497 |
| Net loans and leases to total assets | 60.1892% | 3,841 |
| Net loans and leases to deposits | 70.9506% | 3,880 |
| Net loans and leases to core deposits | 72.9669% | 4,064 |
| Total domestic deposits to total assets | 84.8325% | 2,785 |
| Equity capital to assets | 14.3807% | 889 |
| Core capital (leverage) ratio | 14.5749% | 749 |
| Tier 1 risk-based capital ratio | 26.0241% | 673 |
| Total risk-based capital ratio | 27.2759% | 663 |
| Memoranda: | ||
| Average total assets | $407,712,000 | 1,686 |
| Average earning assets | $389,842,000 | 1,644 |
| Average equity | $58,404,250 | 1,353 |
| Average total loans | $241,141,750 | 1,884 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5222% | 4,709 |
| Cost of funding earning assets | 0.1012% | 5,593 |
| Net interest margin | 3.4211% | 3,693 |
| Noninterest income to average assets | 0.3747% | 3,878 |
| Noninterest expense to average assets | 2.6886% | 3,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6109% | 4,254 |
| Return on assets (ROA) | 0.6109% | 4,296 |
| Pretax return on assets | 0.9546% | 3,751 |
| Return on Equity (ROE) | 4.2702% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.2702% | 3,166 |
| Net charge-offs to loans | -0.0581% | 5,241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7989% | 2,052 |
| Assets per employee ($millions) | 5.0316% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 2,331 |
| Loan loss allowance to noncurrent loans | 358.4736% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 3,981 |
| Noncurrent loans to loans | 0.3671% | 3,712 |
| Net loans and leases to total assets | 58.7634% | 3,949 |
| Net loans and leases to deposits | 69.3570% | 3,956 |
| Net loans and leases to core deposits | 71.5913% | 4,119 |
| Total domestic deposits to total assets | 84.7260% | 2,924 |
| Equity capital to assets | 14.4579% | 840 |
| Core capital (leverage) ratio | 14.5404% | 735 |
| Tier 1 risk-based capital ratio | 26.1377% | 661 |
| Total risk-based capital ratio | 27.3899% | 644 |
| Memoranda: | ||
| Average total assets | $405,634,330 | 1,693 |
| Average earning assets | $387,539,670 | 1,653 |
| Average equity | $58,029,670 | 1,363 |
| Average total loans | $237,407,670 | 1,904 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5183% | 4,645 |
| Cost of funding earning assets | 0.0993% | 5,648 |
| Net interest margin | 3.4189% | 3,577 |
| Noninterest income to average assets | 0.3845% | 3,778 |
| Noninterest expense to average assets | 2.6945% | 3,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6119% | 4,107 |
| Return on assets (ROA) | 0.6119% | 4,164 |
| Pretax return on assets | 0.9558% | 3,562 |
| Return on Equity (ROE) | 4.3000% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.3000% | 3,276 |
| Net charge-offs to loans | -0.0733% | 5,340 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8153% | 2,260 |
| Assets per employee ($millions) | 4.8706% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 2,337 |
| Loan loss allowance to noncurrent loans | 197.6294% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.4615% | 3,360 |
| Noncurrent loans to loans | 0.6778% | 2,817 |
| Net loans and leases to total assets | 57.0267% | 4,061 |
| Net loans and leases to deposits | 67.0245% | 4,085 |
| Net loans and leases to core deposits | 69.1144% | 4,214 |
| Total domestic deposits to total assets | 85.0833% | 3,053 |
| Equity capital to assets | 14.1722% | 853 |
| Core capital (leverage) ratio | 14.5846% | 690 |
| Tier 1 risk-based capital ratio | 26.7850% | 642 |
| Total risk-based capital ratio | 28.0374% | 629 |
| Memoranda: | ||
| Average total assets | $404,670,000 | 1,710 |
| Average earning assets | $386,555,500 | 1,670 |
| Average equity | $57,582,000 | 1,367 |
| Average total loans | $234,765,500 | 1,931 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5400% | 4,664 |
| Cost of funding earning assets | 0.1053% | 5,679 |
| Net interest margin | 3.4347% | 3,685 |
| Noninterest income to average assets | 0.3773% | 4,050 |
| Noninterest expense to average assets | 2.8154% | 2,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5373% | 4,488 |
| Return on assets (ROA) | 0.5430% | 4,559 |
| Pretax return on assets | 0.8457% | 4,029 |
| Return on Equity (ROE) | 3.7066% | 4,930 |
| Retained earnings to average equity (ytd only) | 3.7066% | 3,275 |
| Net charge-offs to loans | -0.0151% | 5,053 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0861% | 1,830 |
| Assets per employee ($millions) | 4.7644% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 2,334 |
| Loan loss allowance to noncurrent loans | 187.3501% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 3,306 |
| Noncurrent loans to loans | 0.7157% | 2,748 |
| Net loans and leases to total assets | 57.4510% | 4,122 |
| Net loans and leases to deposits | 67.6461% | 4,111 |
| Net loans and leases to core deposits | 69.9899% | 4,246 |
| Total domestic deposits to total assets | 84.9288% | 3,085 |
| Equity capital to assets | 14.2879% | 798 |
| Core capital (leverage) ratio | 14.5828% | 679 |
| Tier 1 risk-based capital ratio | 26.9195% | 620 |
| Total risk-based capital ratio | 28.1721% | 610 |
| Memoranda: | ||
| Average total assets | $387,507,200 | 1,731 |
| Average earning assets | $369,495,400 | 1,686 |
| Average equity | $56,764,200 | 1,357 |
| Average total loans | $225,146,000 | 1,946 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5716% | 4,631 |
| Cost of funding earning assets | 0.1081% | 5,730 |
| Net interest margin | 3.4635% | 3,615 |
| Noninterest income to average assets | 0.3809% | 4,062 |
| Noninterest expense to average assets | 2.8374% | 2,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5438% | 4,518 |
| Return on assets (ROA) | 0.5509% | 4,598 |
| Pretax return on assets | 0.8572% | 4,131 |
| Return on Equity (ROE) | 3.7368% | 5,014 |
| Retained earnings to average equity (ytd only) | 3.7368% | 3,646 |
| Net charge-offs to loans | -0.0203% | 5,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0296% | 1,831 |
| Assets per employee ($millions) | 4.8289% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 2,403 |
| Loan loss allowance to noncurrent loans | 156.7202% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.5814% | 3,159 |
| Noncurrent loans to loans | 0.8660% | 2,521 |
| Net loans and leases to total assets | 57.3621% | 4,157 |
| Net loans and leases to deposits | 67.7292% | 4,177 |
| Net loans and leases to core deposits | 70.0263% | 4,322 |
| Total domestic deposits to total assets | 84.6932% | 2,945 |
| Equity capital to assets | 14.5739% | 850 |
| Core capital (leverage) ratio | 14.6848% | 689 |
| Tier 1 risk-based capital ratio | 27.0028% | 642 |
| Total risk-based capital ratio | 28.2555% | 628 |
| Memoranda: | ||
| Average total assets | $384,332,250 | 1,742 |
| Average earning assets | $366,474,500 | 1,703 |
| Average equity | $56,660,000 | 1,366 |
| Average total loans | $223,170,500 | 1,964 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5403% | 4,768 |
| Cost of funding earning assets | 0.1119% | 5,799 |
| Net interest margin | 3.4283% | 3,764 |
| Noninterest income to average assets | 0.3937% | 3,918 |
| Noninterest expense to average assets | 2.8082% | 2,999 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5476% | 4,492 |
| Return on assets (ROA) | 0.5567% | 4,567 |
| Pretax return on assets | 0.8679% | 4,057 |
| Return on Equity (ROE) | 3.7613% | 4,996 |
| Retained earnings to average equity (ytd only) | 3.7613% | 3,497 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6868% | 1,980 |
| Assets per employee ($millions) | 4.5603% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 2,335 |
| Loan loss allowance to noncurrent loans | 119.2515% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7482% | 2,729 |
| Noncurrent loans to loans | 1.1665% | 1,966 |
| Net loans and leases to total assets | 56.5249% | 4,251 |
| Net loans and leases to deposits | 66.9487% | 4,272 |
| Net loans and leases to core deposits | 69.2772% | 4,385 |
| Total domestic deposits to total assets | 84.4302% | 3,112 |
| Equity capital to assets | 14.7897% | 789 |
| Core capital (leverage) ratio | 14.7138% | 664 |
| Tier 1 risk-based capital ratio | 27.2066% | 635 |
| Total risk-based capital ratio | 28.4594% | 616 |
| Memoranda: | ||
| Average total assets | $380,453,330 | 1,760 |
| Average earning assets | $362,683,000 | 1,719 |
| Average equity | $56,310,670 | 1,375 |
| Average total loans | $220,807,000 | 1,977 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4904% | 4,913 |
| Cost of funding earning assets | 0.1159% | 5,843 |
| Net interest margin | 3.3745% | 3,961 |
| Noninterest income to average assets | 0.4299% | 3,617 |
| Noninterest expense to average assets | 2.8349% | 2,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5237% | 4,527 |
| Return on assets (ROA) | 0.5424% | 4,556 |
| Pretax return on assets | 0.8374% | 4,072 |
| Return on Equity (ROE) | 3.6630% | 5,008 |
| Retained earnings to average equity (ytd only) | 3.6630% | 3,660 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8037% | 1,921 |
| Assets per employee ($millions) | 4.4555% | 3,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 2,465 |
| Loan loss allowance to noncurrent loans | 110.9874% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.8072% | 2,671 |
| Noncurrent loans to loans | 1.2531% | 1,929 |
| Net loans and leases to total assets | 57.1975% | 4,128 |
| Net loans and leases to deposits | 67.6004% | 4,099 |
| Net loans and leases to core deposits | 70.3533% | 4,218 |
| Total domestic deposits to total assets | 84.6112% | 3,275 |
| Equity capital to assets | 14.6795% | 780 |
| Core capital (leverage) ratio | 15.1135% | 586 |
| Tier 1 risk-based capital ratio | 27.0048% | 675 |
| Total risk-based capital ratio | 28.2581% | 657 |
| Memoranda: | ||
| Average total assets | $376,869,000 | 1,779 |
| Average earning assets | $358,925,000 | 1,730 |
| Average equity | $55,802,000 | 1,380 |
| Average total loans | $220,113,500 | 1,987 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5651% | 4,764 |
| Cost of funding earning assets | 0.1383% | 5,765 |
| Net interest margin | 3.4269% | 3,810 |
| Noninterest income to average assets | 0.4706% | 3,528 |
| Noninterest expense to average assets | 2.9697% | 2,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5149% | 4,639 |
| Return on assets (ROA) | 0.5262% | 4,676 |
| Pretax return on assets | 0.7714% | 4,294 |
| Return on Equity (ROE) | 3.5498% | 5,126 |
| Retained earnings to average equity (ytd only) | 3.5498% | 3,537 |
| Net charge-offs to loans | 0.0196% | 3,876 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 66.2619% | 810 |
| Efficiency ratio | 79.7335% | 1,713 |
| Assets per employee ($millions) | 4.5191% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 2,334 |
| Loan loss allowance to noncurrent loans | 90.0116% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.0098% | 2,174 |
| Noncurrent loans to loans | 1.5754% | 1,462 |
| Net loans and leases to total assets | 57.9870% | 4,096 |
| Net loans and leases to deposits | 68.7463% | 4,055 |
| Net loans and leases to core deposits | 71.3407% | 4,187 |
| Total domestic deposits to total assets | 84.3493% | 3,352 |
| Equity capital to assets | 14.9383% | 677 |
| Core capital (leverage) ratio | 15.0606% | 602 |
| Tier 1 risk-based capital ratio | 27.1693% | 651 |
| Total risk-based capital ratio | 28.4232% | 636 |
| Memoranda: | ||
| Average total assets | $368,686,000 | 1,780 |
| Average earning assets | $350,087,400 | 1,729 |
| Average equity | $54,651,600 | 1,367 |
| Average total loans | $214,118,800 | 1,961 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5671% | 4,828 |
| Cost of funding earning assets | 0.1430% | 5,829 |
| Net interest margin | 3.4241% | 3,861 |
| Noninterest income to average assets | 0.4964% | 3,393 |
| Noninterest expense to average assets | 3.0155% | 2,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5069% | 4,760 |
| Return on assets (ROA) | 0.5221% | 4,799 |
| Pretax return on assets | 0.7535% | 4,479 |
| Return on Equity (ROE) | 3.5293% | 5,210 |
| Retained earnings to average equity (ytd only) | 3.5293% | 3,955 |
| Net charge-offs to loans | 0.0263% | 3,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 48.0941% | 1,086 |
| Efficiency ratio | 80.4793% | 1,588 |
| Assets per employee ($millions) | 4.5734% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 2,371 |
| Loan loss allowance to noncurrent loans | 87.7626% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.0447% | 2,265 |
| Noncurrent loans to loans | 1.6515% | 1,488 |
| Net loans and leases to total assets | 56.7340% | 4,274 |
| Net loans and leases to deposits | 67.2330% | 4,262 |
| Net loans and leases to core deposits | 69.7830% | 4,389 |
| Total domestic deposits to total assets | 84.3841% | 3,270 |
| Equity capital to assets | 14.9200% | 757 |
| Core capital (leverage) ratio | 14.8346% | 668 |
| Tier 1 risk-based capital ratio | 27.3036% | 662 |
| Total risk-based capital ratio | 28.5568% | 648 |
| Memoranda: | ||
| Average total assets | $368,216,500 | 1,791 |
| Average earning assets | $349,557,000 | 1,744 |
| Average equity | $54,475,500 | 1,379 |
| Average total loans | $213,156,000 | 1,978 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6086% | 4,697 |
| Cost of funding earning assets | 0.1474% | 5,868 |
| Net interest margin | 3.4612% | 3,655 |
| Noninterest income to average assets | 0.4055% | 4,049 |
| Noninterest expense to average assets | 2.9929% | 2,573 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4536% | 4,963 |
| Return on assets (ROA) | 0.4751% | 4,966 |
| Pretax return on assets | 0.7309% | 4,556 |
| Return on Equity (ROE) | 3.2208% | 5,330 |
| Retained earnings to average equity (ytd only) | 3.2208% | 3,997 |
| Net charge-offs to loans | 0.0648% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 18.5797% | 1,801 |
| Efficiency ratio | 81.0942% | 1,609 |
| Assets per employee ($millions) | 4.4326% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 2,613 |
| Loan loss allowance to noncurrent loans | 83.6245% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.1167% | 2,272 |
| Noncurrent loans to loans | 1.7103% | 1,512 |
| Net loans and leases to total assets | 56.7131% | 4,255 |
| Net loans and leases to deposits | 67.0911% | 4,218 |
| Net loans and leases to core deposits | 69.7454% | 4,346 |
| Total domestic deposits to total assets | 84.5315% | 3,329 |
| Equity capital to assets | 14.6341% | 790 |
| Core capital (leverage) ratio | 14.7811% | 659 |
| Tier 1 risk-based capital ratio | 27.1347% | 699 |
| Total risk-based capital ratio | 28.3881% | 682 |
| Memoranda: | ||
| Average total assets | $367,474,330 | 1,804 |
| Average earning assets | $348,778,330 | 1,757 |
| Average equity | $54,210,670 | 1,393 |
| Average total loans | $213,122,000 | 1,988 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6770% | 4,445 |
| Cost of funding earning assets | 0.1538% | 5,902 |
| Net interest margin | 3.5232% | 3,329 |
| Noninterest income to average assets | 0.4197% | 3,848 |
| Noninterest expense to average assets | 3.0627% | 2,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4525% | 4,863 |
| Return on assets (ROA) | 0.4525% | 4,978 |
| Pretax return on assets | 0.6958% | 4,608 |
| Return on Equity (ROE) | 3.0552% | 5,351 |
| Retained earnings to average equity (ytd only) | 3.0552% | 4,146 |
| Net charge-offs to loans | 0.1185% | 1,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 10.0794% | 1,958 |
| Efficiency ratio | 81.4869% | 1,688 |
| Assets per employee ($millions) | 4.4875% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 2,703 |
| Loan loss allowance to noncurrent loans | 79.4925% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.1857% | 2,261 |
| Noncurrent loans to loans | 1.8185% | 1,491 |
| Net loans and leases to total assets | 56.8804% | 4,104 |
| Net loans and leases to deposits | 67.2708% | 4,028 |
| Net loans and leases to core deposits | 70.0249% | 4,152 |
| Total domestic deposits to total assets | 84.5543% | 3,602 |
| Equity capital to assets | 14.8016% | 752 |
| Core capital (leverage) ratio | 14.8324% | 633 |
| Tier 1 risk-based capital ratio | 27.0244% | 712 |
| Total risk-based capital ratio | 28.2779% | 695 |
| Memoranda: | ||
| Average total assets | $365,043,000 | 1,820 |
| Average earning assets | $345,936,000 | 1,778 |
| Average equity | $54,072,000 | 1,407 |
| Average total loans | $212,569,000 | 1,999 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7084% | 4,759 |
| Cost of funding earning assets | 0.2029% | 5,714 |
| Net interest margin | 3.5055% | 3,769 |
| Noninterest income to average assets | 0.3531% | 4,581 |
| Noninterest expense to average assets | 3.1539% | 2,345 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3343% | 5,432 |
| Return on assets (ROA) | 0.3320% | 5,504 |
| Pretax return on assets | 0.5126% | 5,218 |
| Return on Equity (ROE) | 2.2557% | 5,703 |
| Retained earnings to average equity (ytd only) | 2.2557% | 4,636 |
| Net charge-offs to loans | 0.0865% | 3,255 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 10.2652% | 2,632 |
| Efficiency ratio | 85.9360% | 1,179 |
| Assets per employee ($millions) | 4.3628% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4725% | 2,594 |
| Loan loss allowance to noncurrent loans | 77.1105% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.2341% | 2,297 |
| Noncurrent loans to loans | 1.9096% | 1,479 |
| Net loans and leases to total assets | 57.8909% | 4,057 |
| Net loans and leases to deposits | 68.5473% | 4,075 |
| Net loans and leases to core deposits | 71.3081% | 4,187 |
| Total domestic deposits to total assets | 84.4540% | 3,528 |
| Equity capital to assets | 14.8236% | 732 |
| Core capital (leverage) ratio | 14.8546% | 636 |
| Tier 1 risk-based capital ratio | 27.0682% | 681 |
| Total risk-based capital ratio | 28.3223% | 659 |
| Memoranda: | ||
| Average total assets | $359,962,000 | 1,812 |
| Average earning assets | $340,603,000 | 1,755 |
| Average equity | $52,977,400 | 1,383 |
| Average total loans | $209,142,200 | 1,979 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7293% | 4,774 |
| Cost of funding earning assets | 0.2121% | 5,739 |
| Net interest margin | 3.5172% | 3,763 |
| Noninterest income to average assets | 0.3487% | 4,653 |
| Noninterest expense to average assets | 2.9747% | 2,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4547% | 5,059 |
| Return on assets (ROA) | 0.4511% | 5,146 |
| Pretax return on assets | 0.6963% | 4,713 |
| Return on Equity (ROE) | 3.0705% | 5,514 |
| Retained earnings to average equity (ytd only) | 3.0705% | 4,433 |
| Net charge-offs to loans | 0.1172% | 2,634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 10.3389% | 2,554 |
| Efficiency ratio | 80.9101% | 1,775 |
| Assets per employee ($millions) | 4.3630% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 2,739 |
| Loan loss allowance to noncurrent loans | 74.6721% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 1.2700% | 2,423 |
| Noncurrent loans to loans | 2.0028% | 1,583 |
| Net loans and leases to total assets | 56.9488% | 4,206 |
| Net loans and leases to deposits | 67.3472% | 4,199 |
| Net loans and leases to core deposits | 70.1067% | 4,309 |
| Total domestic deposits to total assets | 84.5599% | 3,522 |
| Equity capital to assets | 14.7898% | 776 |
| Core capital (leverage) ratio | 14.8542% | 648 |
| Tier 1 risk-based capital ratio | 27.4468% | 679 |
| Total risk-based capital ratio | 28.7011% | 663 |
| Memoranda: | ||
| Average total assets | $359,424,500 | 1,828 |
| Average earning assets | $340,071,750 | 1,770 |
| Average equity | $52,802,250 | 1,392 |
| Average total loans | $208,237,000 | 1,996 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7292% | 4,770 |
| Cost of funding earning assets | 0.2209% | 5,742 |
| Net interest margin | 3.5083% | 3,752 |
| Noninterest income to average assets | 0.3609% | 4,531 |
| Noninterest expense to average assets | 2.9700% | 2,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4652% | 4,952 |
| Return on assets (ROA) | 0.4597% | 5,043 |
| Pretax return on assets | 0.6967% | 4,653 |
| Return on Equity (ROE) | 3.1360% | 5,482 |
| Retained earnings to average equity (ytd only) | 3.1360% | 4,210 |
| Net charge-offs to loans | 0.1357% | 2,312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.9645% | 2,420 |
| Efficiency ratio | 80.8136% | 1,902 |
| Assets per employee ($millions) | 4.5041% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 2,898 |
| Loan loss allowance to noncurrent loans | 76.4210% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 1.2755% | 2,567 |
| Noncurrent loans to loans | 1.9634% | 1,722 |
| Net loans and leases to total assets | 57.8092% | 4,015 |
| Net loans and leases to deposits | 68.4207% | 4,007 |
| Net loans and leases to core deposits | 71.1173% | 4,138 |
| Total domestic deposits to total assets | 84.4908% | 3,728 |
| Equity capital to assets | 14.7599% | 758 |
| Core capital (leverage) ratio | 14.8202% | 632 |
| Tier 1 risk-based capital ratio | 27.3744% | 678 |
| Total risk-based capital ratio | 28.6284% | 666 |
| Memoranda: | ||
| Average total assets | $358,523,000 | 1,830 |
| Average earning assets | $338,678,670 | 1,778 |
| Average equity | $52,550,330 | 1,385 |
| Average total loans | $207,863,000 | 1,994 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6887% | 4,886 |
| Cost of funding earning assets | 0.2314% | 5,741 |
| Net interest margin | 3.4573% | 3,873 |
| Noninterest income to average assets | 0.3501% | 4,576 |
| Noninterest expense to average assets | 2.9327% | 3,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4465% | 4,947 |
| Return on assets (ROA) | 0.4340% | 5,060 |
| Pretax return on assets | 0.6577% | 4,640 |
| Return on Equity (ROE) | 2.9713% | 5,469 |
| Retained earnings to average equity (ytd only) | 2.9713% | 4,325 |
| Net charge-offs to loans | 0.2310% | 1,399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.0840% | 2,430 |
| Efficiency ratio | 81.2519% | 2,020 |
| Assets per employee ($millions) | 4.5694% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 2,924 |
| Loan loss allowance to noncurrent loans | 67.2773% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.7959% | 1,955 |
| Noncurrent loans to loans | 2.3044% | 1,546 |
| Net loans and leases to total assets | 56.2051% | 4,127 |
| Net loans and leases to deposits | 66.2922% | 4,061 |
| Net loans and leases to core deposits | 68.9862% | 4,210 |
| Total domestic deposits to total assets | 84.7839% | 3,961 |
| Equity capital to assets | 14.5441% | 780 |
| Core capital (leverage) ratio | 14.6628% | 660 |
| Tier 1 risk-based capital ratio | 27.5314% | 677 |
| Total risk-based capital ratio | 28.7863% | 663 |
| Memoranda: | ||
| Average total assets | $357,621,000 | 1,842 |
| Average earning assets | $337,141,000 | 1,790 |
| Average equity | $52,233,500 | 1,387 |
| Average total loans | $206,057,000 | 2,003 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 4,780 |
| Cost of funding earning assets | 0.3184% | 5,439 |
| Net interest margin | 3.4919% | 3,939 |
| Noninterest income to average assets | 0.2344% | 5,669 |
| Noninterest expense to average assets | 3.0578% | 2,877 |
| Loan and lease loss provision to assets | 0.0568% | 4,011 |
| Net operating income to assets | 0.2653% | 5,639 |
| Return on assets (ROA) | 0.2699% | 5,701 |
| Pretax return on assets | 0.4141% | 5,465 |
| Return on Equity (ROE) | 1.8466% | 5,895 |
| Retained earnings to average equity (ytd only) | 1.8466% | 4,924 |
| Net charge-offs to loans | 0.1544% | 3,261 |
| Credit loss provision to net charge-offs | 62.3053% | 3,502 |
| Earnings coverage of net charge-offs (x) | 5.0903% | 3,386 |
| Efficiency ratio | 86.8300% | 1,331 |
| Assets per employee ($millions) | 4.4282% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 2,728 |
| Loan loss allowance to noncurrent loans | 64.1130% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 2.1239% | 1,681 |
| Noncurrent loans to loans | 2.5089% | 1,506 |
| Net loans and leases to total assets | 57.2220% | 4,163 |
| Net loans and leases to deposits | 67.6246% | 4,101 |
| Net loans and leases to core deposits | 70.2927% | 4,264 |
| Total domestic deposits to total assets | 84.6171% | 3,918 |
| Equity capital to assets | 14.6687% | 746 |
| Core capital (leverage) ratio | 14.8250% | 626 |
| Tier 1 risk-based capital ratio | 27.7834% | 623 |
| Total risk-based capital ratio | 29.0396% | 607 |
| Memoranda: | ||
| Average total assets | $352,317,200 | 1,838 |
| Average earning assets | $331,651,600 | 1,796 |
| Average equity | $51,498,800 | 1,381 |
| Average total loans | $207,962,800 | 1,941 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8223% | 4,765 |
| Cost of funding earning assets | 0.3350% | 5,431 |
| Net interest margin | 3.4873% | 3,935 |
| Noninterest income to average assets | 0.2111% | 5,913 |
| Noninterest expense to average assets | 3.0741% | 2,746 |
| Loan and lease loss provision to assets | 0.0758% | 3,540 |
| Net operating income to assets | 0.2253% | 5,851 |
| Return on assets (ROA) | 0.2315% | 5,917 |
| Pretax return on assets | 0.3524% | 5,739 |
| Return on Equity (ROE) | 1.5855% | 6,048 |
| Retained earnings to average equity (ytd only) | 1.5855% | 5,339 |
| Net charge-offs to loans | 0.1989% | 2,644 |
| Credit loss provision to net charge-offs | 64.3087% | 3,197 |
| Earnings coverage of net charge-offs (x) | 3.5530% | 3,668 |
| Efficiency ratio | 88.0113% | 1,174 |
| Assets per employee ($millions) | 4.6296% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6163% | 2,934 |
| Loan loss allowance to noncurrent loans | 50.2646% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 2.7449% | 1,366 |
| Noncurrent loans to loans | 3.2156% | 1,221 |
| Net loans and leases to total assets | 56.7574% | 4,210 |
| Net loans and leases to deposits | 67.0026% | 4,177 |
| Net loans and leases to core deposits | 69.6978% | 4,358 |
| Total domestic deposits to total assets | 84.7093% | 3,879 |
| Equity capital to assets | 14.5465% | 812 |
| Core capital (leverage) ratio | 14.6471% | 700 |
| Tier 1 risk-based capital ratio | 27.9942% | 635 |
| Total risk-based capital ratio | 29.2521% | 624 |
| Memoranda: | ||
| Average total assets | $351,832,250 | 1,854 |
| Average earning assets | $331,098,750 | 1,810 |
| Average equity | $51,382,250 | 1,392 |
| Average total loans | $208,446,750 | 1,945 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8705% | 4,586 |
| Cost of funding earning assets | 0.3479% | 5,427 |
| Net interest margin | 3.5226% | 3,690 |
| Noninterest income to average assets | 0.2724% | 5,503 |
| Noninterest expense to average assets | 3.0244% | 2,922 |
| Loan and lease loss provision to assets | 0.1142% | 2,909 |
| Net operating income to assets | 0.2992% | 5,601 |
| Return on assets (ROA) | 0.2992% | 5,752 |
| Pretax return on assets | 0.4459% | 5,532 |
| Return on Equity (ROE) | 2.0459% | 5,944 |
| Retained earnings to average equity (ytd only) | 2.0459% | 4,978 |
| Net charge-offs to loans | 0.3315% | 1,860 |
| Credit loss provision to net charge-offs | 57.6369% | 3,063 |
| Earnings coverage of net charge-offs (x) | 2.8271% | 3,575 |
| Efficiency ratio | 84.3740% | 1,592 |
| Assets per employee ($millions) | 4.4545% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 3,219 |
| Loan loss allowance to noncurrent loans | 40.0951% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 3.4160% | 1,135 |
| Noncurrent loans to loans | 3.9451% | 994 |
| Net loans and leases to total assets | 58.1526% | 3,960 |
| Net loans and leases to deposits | 68.6631% | 3,912 |
| Net loans and leases to core deposits | 71.3867% | 4,120 |
| Total domestic deposits to total assets | 84.6927% | 4,044 |
| Equity capital to assets | 14.5616% | 809 |
| Core capital (leverage) ratio | 14.6387% | 678 |
| Tier 1 risk-based capital ratio | 27.7108% | 648 |
| Total risk-based capital ratio | 28.9674% | 636 |
| Memoranda: | ||
| Average total assets | $350,284,000 | 1,865 |
| Average earning assets | $329,359,330 | 1,816 |
| Average equity | $51,224,670 | 1,396 |
| Average total loans | $209,378,670 | 1,940 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0580% | 3,896 |
| Cost of funding earning assets | 0.3620% | 5,437 |
| Net interest margin | 3.6960% | 2,870 |
| Noninterest income to average assets | 0.2232% | 5,884 |
| Noninterest expense to average assets | 2.9713% | 3,081 |
| Loan and lease loss provision to assets | 0.1717% | 2,141 |
| Net operating income to assets | 0.3663% | 5,276 |
| Return on assets (ROA) | 0.3663% | 5,410 |
| Pretax return on assets | 0.5505% | 5,110 |
| Return on Equity (ROE) | 2.4992% | 5,777 |
| Retained earnings to average equity (ytd only) | 2.4992% | 4,776 |
| Net charge-offs to loans | 0.4607% | 1,293 |
| Credit loss provision to net charge-offs | 61.9835% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.6074% | 2,990 |
| Efficiency ratio | 80.4462% | 2,262 |
| Assets per employee ($millions) | 4.5118% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 3,356 |
| Loan loss allowance to noncurrent loans | 42.4940% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 3.5560% | 1,186 |
| Noncurrent loans to loans | 3.7914% | 1,217 |
| Net loans and leases to total assets | 58.0117% | 3,779 |
| Net loans and leases to deposits | 68.5091% | 3,713 |
| Net loans and leases to core deposits | 71.2469% | 3,924 |
| Total domestic deposits to total assets | 84.6774% | 4,188 |
| Equity capital to assets | 14.6054% | 847 |
| Core capital (leverage) ratio | 14.5935% | 652 |
| Tier 1 risk-based capital ratio | 29.0892% | 576 |
| Total risk-based capital ratio | 30.3472% | 569 |
| Memoranda: | ||
| Average total assets | $349,473,500 | 1,895 |
| Average earning assets | $328,142,500 | 1,846 |
| Average equity | $51,215,500 | 1,417 |
| Average total loans | $210,102,500 | 1,942 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1859% | 4,643 |
| Cost of funding earning assets | 0.5287% | 5,005 |
| Net interest margin | 3.6572% | 3,841 |
| Noninterest income to average assets | 0.1109% | 6,465 |
| Noninterest expense to average assets | 2.9846% | 3,337 |
| Loan and lease loss provision to assets | 1.2863% | 272 |
| Net operating income to assets | -0.3594% | 6,486 |
| Return on assets (ROA) | -0.3594% | 6,533 |
| Pretax return on assets | -0.7476% | 6,663 |
| Return on Equity (ROE) | -2.4259% | 6,478 |
| Retained earnings to average equity (ytd only) | -2.4259% | 6,214 |
| Net charge-offs to loans | 3.2763% | 131 |
| Credit loss provision to net charge-offs | 59.7863% | 4,452 |
| Earnings coverage of net charge-offs (x) | 0.2504% | 5,351 |
| Efficiency ratio | 84.7113% | 1,543 |
| Assets per employee ($millions) | 4.2843% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 3,240 |
| Loan loss allowance to noncurrent loans | 25.8346% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 4.9088% | 800 |
| Noncurrent loans to loans | 6.2527% | 556 |
| Net loans and leases to total assets | 60.3040% | 3,551 |
| Net loans and leases to deposits | 71.2426% | 3,531 |
| Net loans and leases to core deposits | 74.0810% | 3,774 |
| Total domestic deposits to total assets | 84.6460% | 4,017 |
| Equity capital to assets | 14.7054% | 819 |
| Core capital (leverage) ratio | 14.7068% | 626 |
| Tier 1 risk-based capital ratio | 27.1655% | 678 |
| Total risk-based capital ratio | 28.4228% | 662 |
| Memoranda: | ||
| Average total assets | $343,634,200 | 1,887 |
| Average earning assets | $320,624,600 | 1,848 |
| Average equity | $50,908,800 | 1,393 |
| Average total loans | $225,654,000 | 1,804 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3158% | 4,392 |
| Cost of funding earning assets | 0.5685% | 4,928 |
| Net interest margin | 3.7472% | 3,570 |
| Noninterest income to average assets | 0.0315% | 6,862 |
| Noninterest expense to average assets | 2.9806% | 3,303 |
| Loan and lease loss provision to assets | 1.5947% | 189 |
| Net operating income to assets | -0.5134% | 6,707 |
| Return on assets (ROA) | -0.5134% | 6,738 |
| Pretax return on assets | -1.0521% | 6,879 |
| Return on Equity (ROE) | -3.4592% | 6,646 |
| Retained earnings to average equity (ytd only) | -3.4592% | 6,513 |
| Net charge-offs to loans | 4.2500% | 71 |
| Credit loss provision to net charge-offs | 56.1952% | 4,255 |
| Earnings coverage of net charge-offs (x) | 0.1912% | 5,229 |
| Efficiency ratio | 84.5992% | 1,519 |
| Assets per employee ($millions) | 4.4313% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 3,985 |
| Loan loss allowance to noncurrent loans | 26.7689% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 4.7390% | 960 |
| Noncurrent loans to loans | 5.5773% | 763 |
| Net loans and leases to total assets | 61.3148% | 3,512 |
| Net loans and leases to deposits | 72.5019% | 3,535 |
| Net loans and leases to core deposits | 75.4096% | 3,801 |
| Total domestic deposits to total assets | 84.5698% | 3,943 |
| Equity capital to assets | 14.7349% | 890 |
| Core capital (leverage) ratio | 14.7416% | 658 |
| Tier 1 risk-based capital ratio | 26.5721% | 777 |
| Total risk-based capital ratio | 27.8273% | 760 |
| Memoranda: | ||
| Average total assets | $342,785,250 | 1,907 |
| Average earning assets | $319,409,500 | 1,878 |
| Average equity | $50,878,000 | 1,400 |
| Average total loans | $228,890,250 | 1,793 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3413% | 4,414 |
| Cost of funding earning assets | 0.6094% | 4,819 |
| Net interest margin | 3.7319% | 3,676 |
| Noninterest income to average assets | 0.0041% | 6,979 |
| Noninterest expense to average assets | 2.9664% | 3,387 |
| Loan and lease loss provision to assets | 2.1063% | 128 |
| Net operating income to assets | -1.1105% | 6,936 |
| Return on assets (ROA) | -1.1105% | 6,954 |
| Pretax return on assets | -1.5862% | 7,016 |
| Return on Equity (ROE) | -7.4635% | 6,846 |
| Retained earnings to average equity (ytd only) | -7.4635% | 6,739 |
| Net charge-offs to loans | 5.6957% | 43 |
| Credit loss provision to net charge-offs | 54.1435% | 3,952 |
| Earnings coverage of net charge-offs (x) | 0.1337% | 5,009 |
| Efficiency ratio | 85.0814% | 1,528 |
| Assets per employee ($millions) | 4.4418% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 4,098 |
| Loan loss allowance to noncurrent loans | 17.9962% | 6,572 |
| Noncurrent assets plus other real estate owned to assets | 6.4762% | 634 |
| Noncurrent loans to loans | 8.2352% | 406 |
| Net loans and leases to total assets | 65.2855% | 2,805 |
| Net loans and leases to deposits | 77.1239% | 2,818 |
| Net loans and leases to core deposits | 80.1670% | 3,192 |
| Total domestic deposits to total assets | 84.6501% | 4,032 |
| Equity capital to assets | 14.7155% | 857 |
| Core capital (leverage) ratio | 14.7283% | 645 |
| Tier 1 risk-based capital ratio | 26.1422% | 793 |
| Total risk-based capital ratio | 27.3815% | 784 |
| Memoranda: | ||
| Average total assets | $341,833,330 | 1,908 |
| Average earning assets | $318,980,330 | 1,876 |
| Average equity | $50,860,670 | 1,395 |
| Average total loans | $233,473,330 | 1,763 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3130% | 4,686 |
| Cost of funding earning assets | 0.6548% | 4,680 |
| Net interest margin | 3.6582% | 4,017 |
| Noninterest income to average assets | -0.2996% | 7,227 |
| Noninterest expense to average assets | 3.0433% | 3,105 |
| Loan and lease loss provision to assets | 3.8626% | 34 |
| Net operating income to assets | -2.6640% | 7,206 |
| Return on assets (ROA) | -2.6640% | 7,205 |
| Pretax return on assets | -3.8052% | 7,246 |
| Return on Equity (ROE) | -17.8070% | 7,089 |
| Retained earnings to average equity (ytd only) | -17.8070% | 7,015 |
| Net charge-offs to loans | 10.8103% | 16 |
| Credit loss provision to net charge-offs | 51.5464% | 3,253 |
| Earnings coverage of net charge-offs (x) | 0.0077% | 4,366 |
| Efficiency ratio | 98.1502% | 629 |
| Assets per employee ($millions) | 4.4394% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 4,525 |
| Loan loss allowance to noncurrent loans | 18.4693% | 6,610 |
| Noncurrent assets plus other real estate owned to assets | 6.0913% | 765 |
| Noncurrent loans to loans | 7.6793% | 526 |
| Net loans and leases to total assets | 67.2220% | 2,247 |
| Net loans and leases to deposits | 79.3039% | 2,296 |
| Net loans and leases to core deposits | 82.2510% | 2,795 |
| Total domestic deposits to total assets | 84.7651% | 4,135 |
| Equity capital to assets | 14.6273% | 827 |
| Core capital (leverage) ratio | 14.6259% | 669 |
| Tier 1 risk-based capital ratio | 25.8587% | 817 |
| Total risk-based capital ratio | 27.0690% | 801 |
| Memoranda: | ||
| Average total assets | $341,739,500 | 1,918 |
| Average earning assets | $317,645,000 | 1,890 |
| Average equity | $51,126,000 | 1,388 |
| Average total loans | $236,885,500 | 1,743 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1882% | 2,114 |
| Cost of funding earning assets | 0.8447% | 4,509 |
| Net interest margin | 4.3435% | 1,563 |
| Noninterest income to average assets | -0.4843% | 7,261 |
| Noninterest expense to average assets | 2.7071% | 4,712 |
| Loan and lease loss provision to assets | 1.2660% | 659 |
| Net operating income to assets | -0.3337% | 6,369 |
| Return on assets (ROA) | -0.3337% | 6,420 |
| Pretax return on assets | -0.4721% | 6,477 |
| Return on Equity (ROE) | -2.1446% | 6,350 |
| Retained earnings to average equity (ytd only) | -2.1446% | 6,175 |
| Net charge-offs to loans | 2.2169% | 573 |
| Credit loss provision to net charge-offs | 74.8025% | 4,682 |
| Earnings coverage of net charge-offs (x) | 0.4691% | 5,471 |
| Efficiency ratio | 77.3229% | 2,691 |
| Assets per employee ($millions) | 4.4370% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3116% | 7,214 |
| Loan loss allowance to noncurrent loans | 11.5669% | 6,800 |
| Noncurrent assets plus other real estate owned to assets | 2.9832% | 2,017 |
| Noncurrent loans to loans | 2.6941% | 2,413 |
| Net loans and leases to total assets | 70.2271% | 1,992 |
| Net loans and leases to deposits | 83.4735% | 1,990 |
| Net loans and leases to core deposits | 86.9440% | 2,509 |
| Total domestic deposits to total assets | 84.1309% | 4,267 |
| Equity capital to assets | 15.2939% | 723 |
| Core capital (leverage) ratio | 15.2985% | 561 |
| Tier 1 risk-based capital ratio | 26.9731% | 710 |
| Total risk-based capital ratio | 27.3601% | 752 |
| Memoranda: | ||
| Average total assets | $343,984,400 | 1,883 |
| Average earning assets | $315,618,800 | 1,869 |
| Average equity | $53,528,600 | 1,267 |
| Average total loans | $262,616,200 | 1,603 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3189% | 1,790 |
| Cost of funding earning assets | 0.8832% | 4,520 |
| Net interest margin | 4.4357% | 1,302 |
| Noninterest income to average assets | 0.0797% | 6,842 |
| Noninterest expense to average assets | 2.6955% | 4,745 |
| Loan and lease loss provision to assets | 1.3369% | 553 |
| Net operating income to assets | 0.0805% | 6,006 |
| Return on assets (ROA) | 0.0805% | 6,127 |
| Pretax return on assets | 0.1169% | 6,063 |
| Return on Equity (ROE) | 0.5150% | 6,171 |
| Retained earnings to average equity (ytd only) | 0.5150% | 5,800 |
| Net charge-offs to loans | 1.5685% | 904 |
| Credit loss provision to net charge-offs | 109.5434% | 3,017 |
| Earnings coverage of net charge-offs (x) | 1.1912% | 4,733 |
| Efficiency ratio | 64.9632% | 4,901 |
| Assets per employee ($millions) | 4.3312% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 5,856 |
| Loan loss allowance to noncurrent loans | 31.7396% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 4.4326% | 1,354 |
| Noncurrent loans to loans | 3.4929% | 1,970 |
| Net loans and leases to total assets | 72.2882% | 1,648 |
| Net loans and leases to deposits | 86.1510% | 1,672 |
| Net loans and leases to core deposits | 89.7854% | 2,280 |
| Total domestic deposits to total assets | 83.9088% | 4,275 |
| Equity capital to assets | 15.4762% | 728 |
| Core capital (leverage) ratio | 15.4778% | 580 |
| Tier 1 risk-based capital ratio | 26.3252% | 804 |
| Total risk-based capital ratio | 27.5769% | 781 |
| Memoranda: | ||
| Average total assets | $344,569,000 | 1,885 |
| Average earning assets | $316,124,250 | 1,874 |
| Average equity | $53,848,000 | 1,262 |
| Average total loans | $268,100,750 | 1,588 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3803% | 1,621 |
| Cost of funding earning assets | 0.9227% | 4,501 |
| Net interest margin | 4.4577% | 1,231 |
| Noninterest income to average assets | 0.2320% | 5,987 |
| Noninterest expense to average assets | 2.6767% | 4,913 |
| Loan and lease loss provision to assets | 0.8141% | 1,127 |
| Net operating income to assets | 0.5030% | 4,486 |
| Return on assets (ROA) | 0.5030% | 4,628 |
| Pretax return on assets | 0.8403% | 3,868 |
| Return on Equity (ROE) | 3.2083% | 5,303 |
| Retained earnings to average equity (ytd only) | 3.2083% | 4,226 |
| Net charge-offs to loans | 0.3179% | 3,281 |
| Credit loss provision to net charge-offs | 322.5806% | 938 |
| Earnings coverage of net charge-offs (x) | 6.5553% | 2,378 |
| Efficiency ratio | 61.8018% | 5,613 |
| Assets per employee ($millions) | 4.2780% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 4,962 |
| Loan loss allowance to noncurrent loans | 55.9880% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 3.7848% | 1,717 |
| Noncurrent loans to loans | 2.3602% | 3,032 |
| Net loans and leases to total assets | 77.5246% | 844 |
| Net loans and leases to deposits | 93.0558% | 944 |
| Net loans and leases to core deposits | 97.1238% | 1,573 |
| Total domestic deposits to total assets | 83.3098% | 4,633 |
| Equity capital to assets | 15.8718% | 629 |
| Core capital (leverage) ratio | 15.8645% | 523 |
| Tier 1 risk-based capital ratio | 25.4626% | 853 |
| Total risk-based capital ratio | 26.7178% | 840 |
| Memoranda: | ||
| Average total assets | $343,925,670 | 1,900 |
| Average earning assets | $316,262,670 | 1,880 |
| Average equity | $53,922,330 | 1,246 |
| Average total loans | $273,039,000 | 1,586 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4992% | 1,300 |
| Cost of funding earning assets | 0.9514% | 4,553 |
| Net interest margin | 4.5477% | 964 |
| Noninterest income to average assets | 0.1624% | 6,564 |
| Noninterest expense to average assets | 2.6104% | 5,181 |
| Loan and lease loss provision to assets | 0.5801% | 1,492 |
| Net operating income to assets | 0.6903% | 3,549 |
| Return on assets (ROA) | 0.6903% | 3,622 |
| Pretax return on assets | 1.1532% | 2,546 |
| Return on Equity (ROE) | 4.4300% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.4300% | 3,519 |
| Net charge-offs to loans | 0.5016% | 2,221 |
| Credit loss provision to net charge-offs | 144.9275% | 1,955 |
| Earnings coverage of net charge-offs (x) | 4.3304% | 2,508 |
| Efficiency ratio | 60.0962% | 5,972 |
| Assets per employee ($millions) | 4.3276% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 6,359 |
| Loan loss allowance to noncurrent loans | 98.8464% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 3.1504% | 2,185 |
| Noncurrent loans to loans | 1.0206% | 5,016 |
| Net loans and leases to total assets | 77.7144% | 769 |
| Net loans and leases to deposits | 92.7749% | 949 |
| Net loans and leases to core deposits | 96.8639% | 1,605 |
| Total domestic deposits to total assets | 83.7666% | 4,588 |
| Equity capital to assets | 15.6035% | 645 |
| Core capital (leverage) ratio | 15.6024% | 564 |
| Tier 1 risk-based capital ratio | 25.0701% | 868 |
| Total risk-based capital ratio | 26.3200% | 851 |
| Memoranda: | ||
| Average total assets | $344,770,500 | 1,906 |
| Average earning assets | $316,993,500 | 1,889 |
| Average equity | $53,724,000 | 1,244 |
| Average total loans | $275,123,500 | 1,591 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8941% | 1,057 |
| Cost of funding earning assets | 1.1756% | 4,697 |
| Net interest margin | 4.7186% | 784 |
| Noninterest income to average assets | 0.1616% | 6,562 |
| Noninterest expense to average assets | 2.6875% | 5,043 |
| Loan and lease loss provision to assets | 0.5344% | 3,019 |
| Net operating income to assets | 0.7228% | 3,137 |
| Return on assets (ROA) | 0.7228% | 3,263 |
| Pretax return on assets | 1.2388% | 2,107 |
| Return on Equity (ROE) | 4.7479% | 4,178 |
| Retained earnings to average equity (ytd only) | 4.7479% | 2,577 |
| Net charge-offs to loans | 0.3892% | 4,091 |
| Credit loss provision to net charge-offs | 163.6931% | 2,114 |
| Earnings coverage of net charge-offs (x) | 5.4318% | 2,623 |
| Efficiency ratio | 60.2494% | 6,008 |
| Assets per employee ($millions) | 4.2917% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 6,453 |
| Loan loss allowance to noncurrent loans | 61.9868% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 3.2085% | 2,208 |
| Noncurrent loans to loans | 1.5834% | 4,124 |
| Net loans and leases to total assets | 80.3065% | 627 |
| Net loans and leases to deposits | 95.8566% | 878 |
| Net loans and leases to core deposits | 100.4006% | 1,585 |
| Total domestic deposits to total assets | 83.7777% | 4,462 |
| Equity capital to assets | 15.5614% | 668 |
| Core capital (leverage) ratio | 15.5597% | 568 |
| Tier 1 risk-based capital ratio | 24.6596% | 875 |
| Total risk-based capital ratio | 25.9096% | 858 |
| Memoranda: | ||
| Average total assets | $343,407,800 | 1,903 |
| Average earning assets | $312,870,000 | 1,899 |
| Average equity | $52,276,200 | 1,279 |
| Average total loans | $288,026,400 | 1,556 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9578% | 1,018 |
| Cost of funding earning assets | 1.2215% | 4,730 |
| Net interest margin | 4.7362% | 769 |
| Noninterest income to average assets | 0.1518% | 6,774 |
| Noninterest expense to average assets | 2.6951% | 4,901 |
| Loan and lease loss provision to assets | 0.5435% | 2,776 |
| Net operating income to assets | 0.7035% | 3,399 |
| Return on assets (ROA) | 0.7035% | 3,553 |
| Pretax return on assets | 1.2167% | 2,432 |
| Return on Equity (ROE) | 4.6471% | 4,478 |
| Retained earnings to average equity (ytd only) | 4.6471% | 3,230 |
| Net charge-offs to loans | 0.3448% | 3,931 |
| Credit loss provision to net charge-offs | 186.4181% | 1,937 |
| Earnings coverage of net charge-offs (x) | 6.0373% | 2,612 |
| Efficiency ratio | 60.4915% | 5,876 |
| Assets per employee ($millions) | 4.1825% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 6,626 |
| Loan loss allowance to noncurrent loans | 78.1259% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 3.0990% | 2,334 |
| Noncurrent loans to loans | 1.1997% | 4,843 |
| Net loans and leases to total assets | 81.2281% | 594 |
| Net loans and leases to deposits | 96.4526% | 928 |
| Net loans and leases to core deposits | 100.7258% | 1,777 |
| Total domestic deposits to total assets | 84.2156% | 3,999 |
| Equity capital to assets | 15.2129% | 843 |
| Core capital (leverage) ratio | 15.1998% | 675 |
| Tier 1 risk-based capital ratio | 23.9129% | 959 |
| Total risk-based capital ratio | 25.1224% | 936 |
| Memoranda: | ||
| Average total assets | $343,425,750 | 1,929 |
| Average earning assets | $312,054,750 | 1,936 |
| Average equity | $51,988,250 | 1,290 |
| Average total loans | $290,419,500 | 1,558 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0143% | 920 |
| Cost of funding earning assets | 1.2823% | 4,636 |
| Net interest margin | 4.7319% | 764 |
| Noninterest income to average assets | 0.3524% | 5,325 |
| Noninterest expense to average assets | 2.6302% | 5,205 |
| Loan and lease loss provision to assets | 0.5903% | 2,421 |
| Net operating income to assets | 0.8434% | 2,756 |
| Return on assets (ROA) | 0.8434% | 2,915 |
| Pretax return on assets | 1.4133% | 1,807 |
| Return on Equity (ROE) | 5.5807% | 4,008 |
| Retained earnings to average equity (ytd only) | 5.5807% | 2,568 |
| Net charge-offs to loans | 0.3537% | 3,582 |
| Credit loss provision to net charge-offs | 195.3578% | 2,021 |
| Earnings coverage of net charge-offs (x) | 6.6306% | 2,431 |
| Efficiency ratio | 56.7608% | 6,536 |
| Assets per employee ($millions) | 4.1561% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8656% | 6,865 |
| Loan loss allowance to noncurrent loans | 50.8502% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 3.6239% | 1,934 |
| Noncurrent loans to loans | 1.7023% | 4,131 |
| Net loans and leases to total assets | 83.3983% | 400 |
| Net loans and leases to deposits | 99.2901% | 782 |
| Net loans and leases to core deposits | 104.3153% | 1,614 |
| Total domestic deposits to total assets | 83.9946% | 4,109 |
| Equity capital to assets | 15.1975% | 839 |
| Core capital (leverage) ratio | 15.1881% | 687 |
| Tier 1 risk-based capital ratio | 23.3728% | 1,016 |
| Total risk-based capital ratio | 24.4937% | 1,010 |
| Memoranda: | ||
| Average total assets | $342,185,670 | 1,948 |
| Average earning assets | $309,598,000 | 1,964 |
| Average equity | $51,714,000 | 1,286 |
| Average total loans | $292,343,330 | 1,567 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0737% | 829 |
| Cost of funding earning assets | 1.3943% | 4,217 |
| Net interest margin | 4.6794% | 817 |
| Noninterest income to average assets | 0.3650% | 5,223 |
| Noninterest expense to average assets | 2.7019% | 4,897 |
| Loan and lease loss provision to assets | 0.5047% | 2,475 |
| Net operating income to assets | 0.8251% | 2,864 |
| Return on assets (ROA) | 0.8251% | 2,957 |
| Pretax return on assets | 1.3850% | 1,819 |
| Return on Equity (ROE) | 5.4752% | 4,117 |
| Retained earnings to average equity (ytd only) | 5.4752% | 2,882 |
| Net charge-offs to loans | 0.3163% | 3,151 |
| Credit loss provision to net charge-offs | 185.3448% | 1,978 |
| Earnings coverage of net charge-offs (x) | 6.9397% | 2,148 |
| Efficiency ratio | 58.8446% | 6,359 |
| Assets per employee ($millions) | 4.1766% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7582% | 7,228 |
| Loan loss allowance to noncurrent loans | 54.6171% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 3.4975% | 2,010 |
| Noncurrent loans to loans | 1.3883% | 4,649 |
| Net loans and leases to total assets | 84.7660% | 311 |
| Net loans and leases to deposits | 100.6159% | 717 |
| Net loans and leases to core deposits | 105.1453% | 1,644 |
| Total domestic deposits to total assets | 84.2472% | 4,018 |
| Equity capital to assets | 15.0962% | 860 |
| Core capital (leverage) ratio | 15.0833% | 738 |
| Tier 1 risk-based capital ratio | 22.9897% | 1,083 |
| Total risk-based capital ratio | 23.9771% | 1,088 |
| Memoranda: | ||
| Average total assets | $340,799,000 | 2,013 |
| Average earning assets | $307,817,500 | 2,030 |
| Average equity | $51,358,500 | 1,304 |
| Average total loans | $293,414,000 | 1,602 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1409% | 1,402 |
| Cost of funding earning assets | 1.8142% | 3,913 |
| Net interest margin | 4.3267% | 1,643 |
| Noninterest income to average assets | 0.2523% | 6,298 |
| Noninterest expense to average assets | 2.7857% | 5,032 |
| Loan and lease loss provision to assets | 1.3503% | 1,705 |
| Net operating income to assets | 0.1229% | 5,136 |
| Return on assets (ROA) | 0.1229% | 5,193 |
| Pretax return on assets | 0.1820% | 5,045 |
| Return on Equity (ROE) | 0.8145% | 5,287 |
| Retained earnings to average equity (ytd only) | 0.8145% | 4,445 |
| Net charge-offs to loans | 1.0964% | 2,225 |
| Credit loss provision to net charge-offs | 138.8940% | 3,529 |
| Earnings coverage of net charge-offs (x) | 1.5761% | 4,561 |
| Efficiency ratio | 64.5139% | 5,671 |
| Assets per employee ($millions) | 4.1356% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7173% | 7,338 |
| Loan loss allowance to noncurrent loans | 70.3432% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 3.4542% | 1,945 |
| Noncurrent loans to loans | 1.0197% | 5,274 |
| Net loans and leases to total assets | 86.1624% | 269 |
| Net loans and leases to deposits | 102.0983% | 749 |
| Net loans and leases to core deposits | 121.0826% | 1,875 |
| Total domestic deposits to total assets | 84.3917% | 3,848 |
| Equity capital to assets | 15.0436% | 901 |
| Core capital (leverage) ratio | 15.0264% | 785 |
| Tier 1 risk-based capital ratio | 22.7680% | 1,067 |
| Total risk-based capital ratio | 23.7116% | 1,077 |
| Memoranda: | ||
| Average total assets | $338,517,000 | 2,012 |
| Average earning assets | $318,095,000 | 1,964 |
| Average equity | $51,075,600 | 1,308 |
| Average total loans | $300,173,800 | 1,597 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1299% | 1,554 |
| Cost of funding earning assets | 1.8703% | 4,045 |
| Net interest margin | 4.2595% | 1,843 |
| Noninterest income to average assets | 0.2679% | 6,320 |
| Noninterest expense to average assets | 2.8729% | 4,558 |
| Loan and lease loss provision to assets | 1.4071% | 1,369 |
| Net operating income to assets | 0.0268% | 5,654 |
| Return on assets (ROA) | 0.0268% | 5,698 |
| Pretax return on assets | 0.0118% | 5,679 |
| Return on Equity (ROE) | 0.1774% | 5,720 |
| Retained earnings to average equity (ytd only) | 0.1774% | 5,124 |
| Net charge-offs to loans | 1.4498% | 1,427 |
| Credit loss provision to net charge-offs | 108.8720% | 4,668 |
| Earnings coverage of net charge-offs (x) | 1.0979% | 4,966 |
| Efficiency ratio | 66.9390% | 5,200 |
| Assets per employee ($millions) | 4.1085% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5882% | 7,599 |
| Loan loss allowance to noncurrent loans | 34.2183% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 3.7436% | 1,739 |
| Noncurrent loans to loans | 1.7189% | 4,057 |
| Net loans and leases to total assets | 86.2413% | 329 |
| Net loans and leases to deposits | 102.0239% | 917 |
| Net loans and leases to core deposits | 120.9015% | 2,166 |
| Total domestic deposits to total assets | 84.5305% | 3,463 |
| Equity capital to assets | 14.8604% | 1,045 |
| Core capital (leverage) ratio | 14.8417% | 885 |
| Tier 1 risk-based capital ratio | 22.6418% | 1,154 |
| Total risk-based capital ratio | 23.4206% | 1,183 |
| Memoranda: | ||
| Average total assets | $338,366,250 | 2,027 |
| Average earning assets | $319,650,500 | 1,961 |
| Average equity | $51,090,500 | 1,326 |
| Average total loans | $301,641,000 | 1,608 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1458% | 1,632 |
| Cost of funding earning assets | 1.9237% | 4,145 |
| Net interest margin | 4.2221% | 1,910 |
| Noninterest income to average assets | 0.3129% | 6,005 |
| Noninterest expense to average assets | 2.7397% | 5,221 |
| Loan and lease loss provision to assets | 0.3259% | 3,983 |
| Net operating income to assets | 0.7663% | 2,986 |
| Return on assets (ROA) | 0.7663% | 3,092 |
| Pretax return on assets | 1.2534% | 2,152 |
| Return on Equity (ROE) | 5.0479% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.0479% | 2,479 |
| Net charge-offs to loans | 0.0046% | 6,544 |
| Credit loss provision to net charge-offs | 7,857.1429% | 62 |
| Earnings coverage of net charge-offs (x) | 380.7143% | 97 |
| Efficiency ratio | 63.4330% | 6,016 |
| Assets per employee ($millions) | 4.2244% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6581% | 7,528 |
| Loan loss allowance to noncurrent loans | 14.2387% | 7,386 |
| Noncurrent assets plus other real estate owned to assets | 4.2180% | 1,366 |
| Noncurrent loans to loans | 4.6217% | 1,379 |
| Net loans and leases to total assets | 87.8812% | 242 |
| Net loans and leases to deposits | 104.4556% | 877 |
| Net loans and leases to core deposits | 124.6378% | 1,970 |
| Total domestic deposits to total assets | 84.1325% | 3,689 |
| Equity capital to assets | 15.1623% | 996 |
| Core capital (leverage) ratio | 15.1477% | 886 |
| Tier 1 risk-based capital ratio | 22.8400% | 1,157 |
| Total risk-based capital ratio | 23.7180% | 1,157 |
| Memoranda: | ||
| Average total assets | $337,486,330 | 2,054 |
| Average earning assets | $320,216,670 | 1,981 |
| Average equity | $51,229,000 | 1,334 |
| Average total loans | $303,578,670 | 1,627 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2926% | 1,321 |
| Cost of funding earning assets | 2.0038% | 4,109 |
| Net interest margin | 4.2889% | 1,633 |
| Noninterest income to average assets | 0.3318% | 5,792 |
| Noninterest expense to average assets | 2.8155% | 4,497 |
| Loan and lease loss provision to assets | 0.1790% | 4,663 |
| Net operating income to assets | 0.8653% | 2,857 |
| Return on assets (ROA) | 0.8653% | 3,002 |
| Pretax return on assets | 1.3940% | 1,984 |
| Return on Equity (ROE) | 5.6972% | 4,171 |
| Retained earnings to average equity (ytd only) | 5.6972% | 2,782 |
| Net charge-offs to loans | 0.0039% | 5,662 |
| Credit loss provision to net charge-offs | 5,000.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 439.3333% | 76 |
| Efficiency ratio | 64.1556% | 5,664 |
| Assets per employee ($millions) | 4.0941% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5234% | 7,788 |
| Loan loss allowance to noncurrent loans | 22.9475% | 7,021 |
| Noncurrent assets plus other real estate owned to assets | 2.0467% | 2,829 |
| Noncurrent loans to loans | 2.2809% | 2,881 |
| Net loans and leases to total assets | 89.2654% | 178 |
| Net loans and leases to deposits | 105.8995% | 871 |
| Net loans and leases to core deposits | 126.1640% | 1,907 |
| Total domestic deposits to total assets | 84.2926% | 3,562 |
| Equity capital to assets | 15.0829% | 1,081 |
| Core capital (leverage) ratio | 15.0816% | 952 |
| Tier 1 risk-based capital ratio | 22.4019% | 1,256 |
| Total risk-based capital ratio | 23.0996% | 1,289 |
| Memoranda: | ||
| Average total assets | $335,140,500 | 2,078 |
| Average earning assets | $317,005,000 | 2,009 |
| Average equity | $50,902,500 | 1,344 |
| Average total loans | $304,017,000 | 1,644 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5604% | 2,668 |
| Cost of funding earning assets | 2.4262% | 4,599 |
| Net interest margin | 4.1342% | 2,566 |
| Noninterest income to average assets | 0.3209% | 6,160 |
| Noninterest expense to average assets | 2.6681% | 5,388 |
| Loan and lease loss provision to assets | 0.0186% | 7,151 |
| Net operating income to assets | 0.9749% | 2,666 |
| Return on assets (ROA) | 0.9755% | 2,542 |
| Pretax return on assets | 1.5266% | 1,606 |
| Return on Equity (ROE) | 6.4115% | 3,790 |
| Retained earnings to average equity (ytd only) | 6.4115% | 1,360 |
| Net charge-offs to loans | 0.0007% | 7,034 |
| Credit loss provision to net charge-offs | 3,000.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 2,485.5000% | 5 |
| Efficiency ratio | 63.3380% | 5,701 |
| Assets per employee ($millions) | 3.9816% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4777% | 7,878 |
| Loan loss allowance to noncurrent loans | 29.7392% | 6,720 |
| Noncurrent assets plus other real estate owned to assets | 1.4733% | 3,271 |
| Noncurrent loans to loans | 1.6064% | 3,358 |
| Net loans and leases to total assets | 91.2810% | 115 |
| Net loans and leases to deposits | 108.5776% | 932 |
| Net loans and leases to core deposits | 129.1713% | 1,915 |
| Total domestic deposits to total assets | 84.0698% | 3,290 |
| Equity capital to assets | 15.2969% | 1,092 |
| Core capital (leverage) ratio | 15.2901% | 962 |
| Tier 1 risk-based capital ratio | 22.6544% | 1,231 |
| Total risk-based capital ratio | 23.3037% | 1,278 |
| Memoranda: | ||
| Average total assets | $321,881,800 | 2,074 |
| Average earning assets | $302,985,200 | 2,018 |
| Average equity | $48,974,200 | 1,391 |
| Average total loans | $292,101,200 | 1,654 |