Home > First Financial Bank > Performance and Condition Ratios
First Financial Bank, 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 | 4.8089% | 3,436 |
| Cost of funding earning assets | 1.0835% | 3,904 |
| Net interest margin | 3.7255% | 1,832 |
| Noninterest income to average assets | 1.5300% | 342 |
| Noninterest expense to average assets | 3.5435% | 573 |
| Loan and lease loss provision to assets | -0.0200% | 4,187 |
| Net operating income to assets | 1.1152% | 1,966 |
| Return on assets (ROA) | 1.1152% | 1,964 |
| Pretax return on assets | 1.1545% | 2,354 |
| Return on Equity (ROE) | 75.1500% | 11 |
| Retained earnings to average equity (ytd only) | 29.1870% | 47 |
| Net charge-offs to loans | 0.0415% | 1,258 |
| Credit loss provision to net charge-offs | -150.0000% | 4,386 |
| Earnings coverage of net charge-offs (x) | 55.3333% | 950 |
| Efficiency ratio | 75.7841% | 1,267 |
| Assets per employee ($millions) | 3.5003% | 4,204 |
| Cash dividends to net income (ytd only)* | 61.1621% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 2,319 |
| Loan loss allowance to noncurrent loans | 630.5556% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 3,072 |
| Noncurrent loans to loans | 0.1864% | 2,833 |
| Net loans and leases to total assets | 47.4200% | 3,702 |
| Net loans and leases to deposits | 48.3764% | 3,921 |
| Net loans and leases to core deposits | 50.3672% | 3,976 |
| Total domestic deposits to total assets | 98.0200% | 9 |
| Equity capital to assets | 1.7580% | 4,457 |
| Core capital (leverage) ratio | 10.4823% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3309% | 1,188 |
| Memoranda: | ||
| Average total assets | $234,569,500 | 2,814 |
| Average earning assets | $197,882,000 | 2,931 |
| Average equity | $3,481,000 | 4,324 |
| Average total loans | $115,560,000 | 3,069 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8131% | 3,409 |
| Cost of funding earning assets | 1.0343% | 4,007 |
| Net interest margin | 3.7788% | 1,536 |
| Noninterest income to average assets | 1.6200% | 323 |
| Noninterest expense to average assets | 3.5880% | 526 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 1.1601% | 1,594 |
| Return on assets (ROA) | 1.1601% | 1,603 |
| Pretax return on assets | 1.2115% | 1,962 |
| Return on Equity (ROE) | 66.8000% | 17 |
| Retained earnings to average equity (ytd only) | 33.7312% | 12 |
| Net charge-offs to loans | 0.0277% | 2,024 |
| Credit loss provision to net charge-offs | 281.2500% | 914 |
| Earnings coverage of net charge-offs (x) | 89.4063% | 863 |
| Efficiency ratio | 74.0664% | 1,554 |
| Assets per employee ($millions) | 3.2517% | 4,253 |
| Cash dividends to net income (ytd only)* | 49.5079% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 2,119 |
| Loan loss allowance to noncurrent loans | 607.8603% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 2,990 |
| Noncurrent loans to loans | 0.1987% | 2,727 |
| Net loans and leases to total assets | 50.0200% | 3,627 |
| Net loans and leases to deposits | 50.7564% | 3,890 |
| Net loans and leases to core deposits | 52.8136% | 3,952 |
| Total domestic deposits to total assets | 98.5400% | 9 |
| Equity capital to assets | 1.1932% | 4,480 |
| Core capital (leverage) ratio | 10.2463% | 2,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2015% | 1,222 |
| Memoranda: | ||
| Average total assets | $227,730,800 | 2,833 |
| Average earning assets | $194,240,000 | 2,929 |
| Average equity | $3,954,800 | 4,309 |
| Average total loans | $115,416,400 | 3,050 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 3,434 |
| Cost of funding earning assets | 0.9810% | 4,065 |
| Net interest margin | 3.7880% | 1,478 |
| Noninterest income to average assets | 1.6300% | 312 |
| Noninterest expense to average assets | 3.6470% | 489 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.1614% | 1,600 |
| Return on assets (ROA) | 1.1614% | 1,603 |
| Pretax return on assets | 1.2012% | 1,978 |
| Return on Equity (ROE) | 62.0300% | 17 |
| Retained earnings to average equity (ytd only) | 46.1473% | 13 |
| Net charge-offs to loans | 0.0266% | 1,793 |
| Credit loss provision to net charge-offs | 152.1739% | 1,277 |
| Earnings coverage of net charge-offs (x) | 91.2609% | 845 |
| Efficiency ratio | 74.7989% | 1,498 |
| Assets per employee ($millions) | 3.4010% | 4,260 |
| Cash dividends to net income (ytd only)* | 25.6048% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 2,255 |
| Loan loss allowance to noncurrent loans | 519.6911% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 2,952 |
| Noncurrent loans to loans | 0.2292% | 2,619 |
| Net loans and leases to total assets | 48.2700% | 3,716 |
| Net loans and leases to deposits | 51.4208% | 3,906 |
| Net loans and leases to core deposits | 53.4244% | 3,969 |
| Total domestic deposits to total assets | 93.8700% | 39 |
| Equity capital to assets | 3.2391% | 4,501 |
| Core capital (leverage) ratio | 10.5456% | 2,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5519% | 1,180 |
| Memoranda: | ||
| Average total assets | $227,758,750 | 2,820 |
| Average earning assets | $195,171,500 | 2,917 |
| Average equity | $4,264,500 | 4,321 |
| Average total loans | $115,461,000 | 3,044 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7587% | 3,347 |
| Cost of funding earning assets | 0.9482% | 4,076 |
| Net interest margin | 3.8105% | 1,406 |
| Noninterest income to average assets | 1.6500% | 319 |
| Noninterest expense to average assets | 3.6913% | 474 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 1.1766% | 1,533 |
| Return on assets (ROA) | 1.1766% | 1,533 |
| Pretax return on assets | 1.2163% | 1,899 |
| Return on Equity (ROE) | 83.6000% | 12 |
| Retained earnings to average equity (ytd only) | 51.7404% | 16 |
| Net charge-offs to loans | 0.0224% | 1,709 |
| Credit loss provision to net charge-offs | 76.9231% | 1,678 |
| Earnings coverage of net charge-offs (x) | 106.7692% | 747 |
| Efficiency ratio | 75.0808% | 1,548 |
| Assets per employee ($millions) | 3.3375% | 4,283 |
| Cash dividends to net income (ytd only)* | 38.1095% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 2,480 |
| Loan loss allowance to noncurrent loans | 545.4918% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 2,926 |
| Noncurrent loans to loans | 0.2116% | 2,641 |
| Net loans and leases to total assets | 50.2100% | 3,621 |
| Net loans and leases to deposits | 52.7955% | 3,861 |
| Net loans and leases to core deposits | 54.4360% | 3,947 |
| Total domestic deposits to total assets | 95.1100% | 41 |
| Equity capital to assets | 1.8154% | 4,525 |
| Core capital (leverage) ratio | 10.3722% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0102% | 1,271 |
| Memoranda: | ||
| Average total assets | $226,589,333 | 2,828 |
| Average earning assets | $194,253,667 | 2,925 |
| Average equity | $3,189,000 | 4,397 |
| Average total loans | $116,288,333 | 3,031 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7534% | 3,234 |
| Cost of funding earning assets | 0.9170% | 4,083 |
| Net interest margin | 3.8364% | 1,310 |
| Noninterest income to average assets | 1.6500% | 301 |
| Noninterest expense to average assets | 3.6765% | 468 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 1.2155% | 1,411 |
| Return on assets (ROA) | 1.2155% | 1,412 |
| Pretax return on assets | 1.2544% | 1,755 |
| Return on Equity (ROE) | 101.0500% | 6 |
| Retained earnings to average equity (ytd only) | 77.8410% | 10 |
| Net charge-offs to loans | 0.0274% | 1,312 |
| Credit loss provision to net charge-offs | 100.0000% | 1,145 |
| Earnings coverage of net charge-offs (x) | 89.7500% | 722 |
| Efficiency ratio | 74.3480% | 1,710 |
| Assets per employee ($millions) | 3.2661% | 4,327 |
| Cash dividends to net income (ytd only)* | 22.9651% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 2,588 |
| Loan loss allowance to noncurrent loans | 456.8493% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 2,788 |
| Noncurrent loans to loans | 0.2499% | 2,424 |
| Net loans and leases to total assets | 50.5300% | 3,580 |
| Net loans and leases to deposits | 52.7441% | 3,827 |
| Net loans and leases to core deposits | 54.2240% | 3,963 |
| Total domestic deposits to total assets | 95.7900% | 54 |
| Equity capital to assets | 1.1084% | 4,555 |
| Core capital (leverage) ratio | 10.2396% | 2,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7202% | 1,352 |
| Memoranda: | ||
| Average total assets | $226,409,500 | 2,829 |
| Average earning assets | $194,555,500 | 2,932 |
| Average equity | $2,723,500 | 4,452 |
| Average total loans | $116,787,500 | 3,025 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5376% | 3,035 |
| Cost of funding earning assets | 0.4806% | 4,212 |
| Net interest margin | 4.0570% | 1,120 |
| Noninterest income to average assets | 1.6200% | 355 |
| Noninterest expense to average assets | 3.6985% | 466 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.1664% | 1,737 |
| Return on assets (ROA) | 1.1664% | 1,712 |
| Pretax return on assets | 1.2377% | 2,038 |
| Return on Equity (ROE) | 449.9300% | 3 |
| Retained earnings to average equity (ytd only) | 229.5168% | 4 |
| Net charge-offs to loans | 0.2929% | 368 |
| Credit loss provision to net charge-offs | 95.3271% | 1,897 |
| Earnings coverage of net charge-offs (x) | 9.5576% | 2,285 |
| Efficiency ratio | 72.6487% | 1,599 |
| Assets per employee ($millions) | 3.2027% | 4,351 |
| Cash dividends to net income (ytd only)* | 48.9883% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 2,590 |
| Loan loss allowance to noncurrent loans | 527.2727% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 2,782 |
| Noncurrent loans to loans | 0.2167% | 2,447 |
| Net loans and leases to total assets | 51.4700% | 3,509 |
| Net loans and leases to deposits | 53.9102% | 3,802 |
| Net loans and leases to core deposits | 55.2649% | 3,939 |
| Total domestic deposits to total assets | 95.4700% | 47 |
| Equity capital to assets | 1.2993% | 4,573 |
| Core capital (leverage) ratio | 9.8485% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4095% | 1,413 |
| Memoranda: | ||
| Average total assets | $220,331,200 | 2,846 |
| Average earning assets | $188,294,000 | 2,959 |
| Average equity | $571,200 | 4,530 |
| Average total loans | $109,611,000 | 3,068 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4980% | 2,925 |
| Cost of funding earning assets | 0.3751% | 4,281 |
| Net interest margin | 4.1229% | 1,030 |
| Noninterest income to average assets | 1.6200% | 360 |
| Noninterest expense to average assets | 3.7173% | 440 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 1.1937% | 1,815 |
| Return on assets (ROA) | 1.1937% | 1,799 |
| Pretax return on assets | 1.2350% | 2,212 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | 0.0556% | 1,110 |
| Credit loss provision to net charge-offs | 671.1111% | 524 |
| Earnings coverage of net charge-offs (x) | 52.0889% | 1,289 |
| Efficiency ratio | 72.2931% | 1,536 |
| Assets per employee ($millions) | 2.9894% | 4,400 |
| Cash dividends to net income (ytd only)* | 23.3707% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 1,249 |
| Loan loss allowance to noncurrent loans | 3,491.3043% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 3,598 |
| Noncurrent loans to loans | 0.0415% | 3,466 |
| Net loans and leases to total assets | 51.4100% | 3,535 |
| Net loans and leases to deposits | 51.3326% | 3,891 |
| Net loans and leases to core deposits | 52.5635% | 3,974 |
| Total domestic deposits to total assets | 100.1600% | 28 |
| Equity capital to assets | -1.2264% | 4,623 |
| Core capital (leverage) ratio | 10.5075% | 2,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2001% | 1,270 |
| Memoranda: | ||
| Average total assets | $219,366,250 | 2,865 |
| Average earning assets | $187,306,750 | 2,976 |
| Average equity | $-14,250 | 4,608 |
| Average total loans | $107,896,250 | 3,092 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3990% | 2,883 |
| Cost of funding earning assets | 0.3149% | 4,290 |
| Net interest margin | 4.0841% | 1,107 |
| Noninterest income to average assets | 1.5700% | 309 |
| Noninterest expense to average assets | 3.7810% | 410 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.2149% | 1,791 |
| Return on assets (ROA) | 1.2149% | 1,775 |
| Pretax return on assets | 1.2555% | 2,206 |
| Return on Equity (ROE) | 317.4400% | 2 |
| Retained earnings to average equity (ytd only) | 209.2694% | 4 |
| Net charge-offs to loans | 0.0411% | 1,106 |
| Credit loss provision to net charge-offs | 168.1818% | 1,133 |
| Earnings coverage of net charge-offs (x) | 64.9545% | 1,156 |
| Efficiency ratio | 74.5775% | 1,298 |
| Assets per employee ($millions) | 3.0941% | 4,422 |
| Cash dividends to net income (ytd only)* | 34.0757% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 2,016 |
| Loan loss allowance to noncurrent loans | 9,093.3333% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 3,786 |
| Noncurrent loans to loans | 0.0141% | 3,678 |
| Net loans and leases to total assets | 47.9500% | 3,695 |
| Net loans and leases to deposits | 48.5956% | 3,965 |
| Net loans and leases to core deposits | 49.8471% | 4,025 |
| Total domestic deposits to total assets | 98.6700% | 29 |
| Equity capital to assets | 0.9181% | 4,624 |
| Core capital (leverage) ratio | 10.1048% | 2,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9677% | 1,323 |
| Memoranda: | ||
| Average total assets | $221,739,667 | 2,858 |
| Average earning assets | $189,905,000 | 2,961 |
| Average equity | $848,667 | 4,578 |
| Average total loans | $106,951,000 | 3,092 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 2,620 |
| Cost of funding earning assets | 0.2766% | 4,239 |
| Net interest margin | 4.1012% | 1,094 |
| Noninterest income to average assets | 1.5400% | 317 |
| Noninterest expense to average assets | 3.7366% | 429 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.2623% | 1,768 |
| Return on assets (ROA) | 1.2623% | 1,738 |
| Pretax return on assets | 1.3036% | 2,162 |
| Return on Equity (ROE) | 1,063.1400% | 3 |
| Retained earnings to average equity (ytd only) | 1,063.1380% | 2 |
| Net charge-offs to loans | 0.0299% | 1,109 |
| Credit loss provision to net charge-offs | 125.0000% | 1,020 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 832 |
| Efficiency ratio | 73.8729% | 1,355 |
| Assets per employee ($millions) | 3.1185% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,239 |
| Loan loss allowance to noncurrent loans | 2,702.0000% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 3,570 |
| Noncurrent loans to loans | 0.0467% | 3,402 |
| Net loans and leases to total assets | 47.1300% | 3,702 |
| Net loans and leases to deposits | 47.6030% | 3,975 |
| Net loans and leases to core deposits | 49.2524% | 4,011 |
| Total domestic deposits to total assets | 99.0000% | 9 |
| Equity capital to assets | 0.6632% | 4,659 |
| Core capital (leverage) ratio | 9.8487% | 2,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7881% | 1,421 |
| Memoranda: | ||
| Average total assets | $222,768,000 | 2,888 |
| Average earning assets | $190,871,000 | 2,995 |
| Average equity | $264,500 | 4,663 |
| Average total loans | $107,078,000 | 3,122 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6910% | 2,550 |
| Cost of funding earning assets | 0.1608% | 4,055 |
| Net interest margin | 3.5301% | 1,839 |
| Noninterest income to average assets | 1.6300% | 315 |
| Noninterest expense to average assets | 3.5014% | 489 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0674% | 2,310 |
| Return on assets (ROA) | 1.0674% | 2,252 |
| Pretax return on assets | 1.1144% | 2,719 |
| Return on Equity (ROE) | 36.3600% | 67 |
| Retained earnings to average equity (ytd only) | 20.9155% | 74 |
| Net charge-offs to loans | 0.0449% | 1,238 |
| Credit loss provision to net charge-offs | 357.7778% | 827 |
| Earnings coverage of net charge-offs (x) | 60.9333% | 1,248 |
| Efficiency ratio | 74.7304% | 1,147 |
| Assets per employee ($millions) | 3.0275% | 4,523 |
| Cash dividends to net income (ytd only)* | 42.4757% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 1,827 |
| Loan loss allowance to noncurrent loans | 1,074.0458% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 3,208 |
| Noncurrent loans to loans | 0.1224% | 2,908 |
| Net loans and leases to total assets | 47.7800% | 3,684 |
| Net loans and leases to deposits | 47.7482% | 3,985 |
| Net loans and leases to core deposits | 49.4081% | 4,001 |
| Total domestic deposits to total assets | 100.0600% | 11 |
| Equity capital to assets | -0.4344% | 4,712 |
| Core capital (leverage) ratio | 9.5016% | 3,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3557% | 1,519 |
| Memoranda: | ||
| Average total assets | $231,595,000 | 2,839 |
| Average earning assets | $200,219,200 | 2,938 |
| Average equity | $6,798,800 | 4,240 |
| Average total loans | $100,207,800 | 3,148 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4735% | 2,700 |
| Cost of funding earning assets | 0.1536% | 3,816 |
| Net interest margin | 3.3199% | 2,236 |
| Noninterest income to average assets | 1.6600% | 326 |
| Noninterest expense to average assets | 3.4784% | 497 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.9489% | 2,675 |
| Return on assets (ROA) | 0.9489% | 2,639 |
| Pretax return on assets | 0.9745% | 3,095 |
| Return on Equity (ROE) | 25.4300% | 176 |
| Retained earnings to average equity (ytd only) | 21.6203% | 71 |
| Net charge-offs to loans | 0.0447% | 1,045 |
| Credit loss provision to net charge-offs | 442.4242% | 663 |
| Earnings coverage of net charge-offs (x) | 56.3030% | 1,216 |
| Efficiency ratio | 76.6847% | 1,021 |
| Assets per employee ($millions) | 3.1327% | 4,554 |
| Cash dividends to net income (ytd only)* | 14.9970% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 1,945 |
| Loan loss allowance to noncurrent loans | 1,231.5789% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 3,382 |
| Noncurrent loans to loans | 0.1071% | 3,116 |
| Net loans and leases to total assets | 45.9100% | 3,766 |
| Net loans and leases to deposits | 45.9411% | 4,030 |
| Net loans and leases to core deposits | 47.4844% | 4,044 |
| Total domestic deposits to total assets | 99.9400% | 18 |
| Equity capital to assets | -0.2300% | 4,737 |
| Core capital (leverage) ratio | 8.9947% | 3,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2283% | 1,641 |
| Memoranda: | ||
| Average total assets | $234,242,250 | 2,846 |
| Average earning assets | $203,171,750 | 2,930 |
| Average equity | $8,738,500 | 4,066 |
| Average total loans | $98,511,250 | 3,177 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2703% | 2,834 |
| Cost of funding earning assets | 0.1482% | 3,601 |
| Net interest margin | 3.1221% | 2,466 |
| Noninterest income to average assets | 1.7358% | 278 |
| Noninterest expense to average assets | 3.4546% | 457 |
| Loan and lease loss provision to assets | 0.0906% | 1,091 |
| Net operating income to assets | 0.9030% | 2,566 |
| Return on assets (ROA) | 0.9030% | 2,540 |
| Pretax return on assets | 0.9030% | 3,055 |
| Return on Equity (ROE) | 18.0271% | 470 |
| Retained earnings to average equity (ytd only) | 13.7993% | 382 |
| Net charge-offs to loans | 0.0521% | 874 |
| Credit loss provision to net charge-offs | 428.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 46.9200% | 1,189 |
| Efficiency ratio | 77.6614% | 1,109 |
| Assets per employee ($millions) | 3.2488% | 4,587 |
| Cash dividends to net income (ytd only)* | 23.4522% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 1,790 |
| Loan loss allowance to noncurrent loans | 1,346.0784% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,543 |
| Noncurrent loans to loans | 0.1034% | 3,232 |
| Net loans and leases to total assets | 41.5765% | 3,998 |
| Net loans and leases to deposits | 42.4081% | 4,180 |
| Net loans and leases to core deposits | 43.7650% | 4,196 |
| Total domestic deposits to total assets | 98.0390% | 26 |
| Equity capital to assets | 1.7276% | 4,735 |
| Core capital (leverage) ratio | 8.5814% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0649% | 1,421 |
| Memoranda: | ||
| Average total assets | $236,093,000 | 2,849 |
| Average earning assets | $205,119,000 | 2,955 |
| Average equity | $11,826,667 | 3,799 |
| Average total loans | $95,881,333 | 3,242 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2028% | 2,684 |
| Cost of funding earning assets | 0.1448% | 3,571 |
| Net interest margin | 3.0580% | 2,299 |
| Noninterest income to average assets | 2.0187% | 236 |
| Noninterest expense to average assets | 3.4471% | 448 |
| Loan and lease loss provision to assets | 0.1062% | 788 |
| Net operating income to assets | 1.1367% | 1,417 |
| Return on assets (ROA) | 1.1367% | 1,411 |
| Pretax return on assets | 1.1367% | 2,031 |
| Return on Equity (ROE) | 17.1507% | 405 |
| Retained earnings to average equity (ytd only) | 17.1507% | 171 |
| Net charge-offs to loans | 0.0593% | 722 |
| Credit loss provision to net charge-offs | 450.0000% | 550 |
| Earnings coverage of net charge-offs (x) | 52.6429% | 908 |
| Efficiency ratio | 73.4987% | 1,795 |
| Assets per employee ($millions) | 3.4888% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 1,889 |
| Loan loss allowance to noncurrent loans | 1,218.1818% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 3,571 |
| Noncurrent loans to loans | 0.1152% | 3,250 |
| Net loans and leases to total assets | 39.6695% | 4,037 |
| Net loans and leases to deposits | 41.8384% | 4,168 |
| Net loans and leases to core deposits | 43.1394% | 4,197 |
| Total domestic deposits to total assets | 94.8161% | 50 |
| Equity capital to assets | 4.9816% | 4,723 |
| Core capital (leverage) ratio | 8.4837% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2066% | 1,456 |
| Memoranda: | ||
| Average total assets | $237,184,000 | 2,863 |
| Average earning assets | $207,191,000 | 2,950 |
| Average equity | $15,719,500 | 3,495 |
| Average total loans | $94,509,500 | 3,267 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5256% | 2,588 |
| Cost of funding earning assets | 0.1453% | 4,022 |
| Net interest margin | 3.3803% | 2,090 |
| Noninterest income to average assets | 1.4786% | 512 |
| Noninterest expense to average assets | 3.2289% | 696 |
| Loan and lease loss provision to assets | 0.2177% | 472 |
| Net operating income to assets | 0.9331% | 2,929 |
| Return on assets (ROA) | 0.9941% | 2,763 |
| Pretax return on assets | 1.0339% | 3,172 |
| Return on Equity (ROE) | 11.6363% | 1,935 |
| Retained earnings to average equity (ytd only) | 7.7593% | 1,634 |
| Net charge-offs to loans | 0.0457% | 1,373 |
| Credit loss provision to net charge-offs | 1,146.5116% | 484 |
| Earnings coverage of net charge-offs (x) | 62.5581% | 1,147 |
| Efficiency ratio | 73.1027% | 1,403 |
| Assets per employee ($millions) | 3.3876% | 4,616 |
| Cash dividends to net income (ytd only)* | 33.3185% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 2,004 |
| Loan loss allowance to noncurrent loans | 411.1465% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 3,011 |
| Noncurrent loans to loans | 0.3356% | 2,382 |
| Net loans and leases to total assets | 38.9140% | 4,151 |
| Net loans and leases to deposits | 42.5827% | 4,245 |
| Net loans and leases to core deposits | 43.9572% | 4,268 |
| Total domestic deposits to total assets | 91.3846% | 350 |
| Equity capital to assets | 8.2743% | 4,193 |
| Core capital (leverage) ratio | 8.3407% | 4,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0435% | 1,495 |
| Memoranda: | ||
| Average total assets | $226,425,600 | 2,865 |
| Average earning assets | $196,819,400 | 2,984 |
| Average equity | $19,344,600 | 3,272 |
| Average total loans | $94,124,600 | 3,273 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6307% | 2,473 |
| Cost of funding earning assets | 0.1451% | 4,153 |
| Net interest margin | 3.4855% | 1,911 |
| Noninterest income to average assets | 1.4528% | 569 |
| Noninterest expense to average assets | 3.2279% | 685 |
| Loan and lease loss provision to assets | 0.2239% | 441 |
| Net operating income to assets | 1.0202% | 2,835 |
| Return on assets (ROA) | 1.1060% | 2,592 |
| Pretax return on assets | 1.1060% | 3,182 |
| Return on Equity (ROE) | 12.8381% | 1,745 |
| Retained earnings to average equity (ytd only) | 11.1088% | 1,041 |
| Net charge-offs to loans | 0.0424% | 1,250 |
| Credit loss provision to net charge-offs | 1,253.3333% | 456 |
| Earnings coverage of net charge-offs (x) | 69.6000% | 1,068 |
| Efficiency ratio | 72.1785% | 1,387 |
| Assets per employee ($millions) | 3.3930% | 4,676 |
| Cash dividends to net income (ytd only)* | 13.4698% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 2,540 |
| Loan loss allowance to noncurrent loans | 913.0769% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 3,753 |
| Noncurrent loans to loans | 0.1414% | 3,404 |
| Net loans and leases to total assets | 38.7682% | 4,265 |
| Net loans and leases to deposits | 42.5975% | 4,362 |
| Net loans and leases to core deposits | 43.8354% | 4,389 |
| Total domestic deposits to total assets | 91.0105% | 366 |
| Equity capital to assets | 8.6756% | 4,085 |
| Core capital (leverage) ratio | 8.4977% | 4,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2097% | 1,309 |
| Memoranda: | ||
| Average total assets | $223,748,750 | 2,915 |
| Average earning assets | $193,824,250 | 3,039 |
| Average equity | $19,275,500 | 3,318 |
| Average total loans | $94,263,500 | 3,320 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4805% | 2,938 |
| Cost of funding earning assets | 0.1427% | 4,265 |
| Net interest margin | 3.3378% | 2,338 |
| Noninterest income to average assets | 1.5134% | 537 |
| Noninterest expense to average assets | 3.2248% | 691 |
| Loan and lease loss provision to assets | 0.0182% | 2,596 |
| Net operating income to assets | 1.1585% | 2,339 |
| Return on assets (ROA) | 1.1585% | 2,399 |
| Pretax return on assets | 1.1585% | 3,032 |
| Return on Equity (ROE) | 13.4810% | 1,569 |
| Retained earnings to average equity (ytd only) | 10.8397% | 1,165 |
| Net charge-offs to loans | 0.0379% | 1,253 |
| Credit loss provision to net charge-offs | 111.1111% | 1,302 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 890 |
| Efficiency ratio | 73.2673% | 1,308 |
| Assets per employee ($millions) | 3.0519% | 4,777 |
| Cash dividends to net income (ytd only)* | 19.5925% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8914% | 4,178 |
| Loan loss allowance to noncurrent loans | 550.9804% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 3,389 |
| Noncurrent loans to loans | 0.1618% | 3,406 |
| Net loans and leases to total assets | 40.9472% | 4,242 |
| Net loans and leases to deposits | 44.9146% | 4,353 |
| Net loans and leases to core deposits | 46.1775% | 4,387 |
| Total domestic deposits to total assets | 91.1667% | 321 |
| Equity capital to assets | 8.5742% | 4,146 |
| Core capital (leverage) ratio | 8.4490% | 4,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8948% | 1,363 |
| Memoranda: | ||
| Average total assets | $220,292,667 | 2,938 |
| Average earning assets | $190,603,000 | 3,063 |
| Average equity | $18,930,333 | 3,343 |
| Average total loans | $95,034,667 | 3,322 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5908% | 2,670 |
| Cost of funding earning assets | 0.1370% | 4,401 |
| Net interest margin | 3.4538% | 1,951 |
| Noninterest income to average assets | 1.3315% | 734 |
| Noninterest expense to average assets | 3.2686% | 635 |
| Loan and lease loss provision to assets | 0.0167% | 2,557 |
| Net operating income to assets | 1.0352% | 2,697 |
| Return on assets (ROA) | 1.0352% | 2,775 |
| Pretax return on assets | 1.0352% | 3,274 |
| Return on Equity (ROE) | 12.0328% | 2,000 |
| Retained earnings to average equity (ytd only) | 12.0328% | 1,137 |
| Net charge-offs to loans | 0.0378% | 1,091 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 63.1111% | 802 |
| Efficiency ratio | 75.6537% | 1,167 |
| Assets per employee ($millions) | 3.3374% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 4,284 |
| Loan loss allowance to noncurrent loans | 546.1039% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 3,247 |
| Noncurrent loans to loans | 0.1567% | 3,547 |
| Net loans and leases to total assets | 43.5840% | 4,141 |
| Net loans and leases to deposits | 47.4573% | 4,282 |
| Net loans and leases to core deposits | 48.9515% | 4,340 |
| Total domestic deposits to total assets | 91.8383% | 179 |
| Equity capital to assets | 7.9028% | 4,542 |
| Core capital (leverage) ratio | 8.6625% | 3,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1900% | 1,509 |
| Memoranda: | ||
| Average total assets | $215,991,500 | 2,959 |
| Average earning assets | $186,924,500 | 3,081 |
| Average equity | $18,582,500 | 3,364 |
| Average total loans | $95,267,500 | 3,334 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7999% | 3,301 |
| Cost of funding earning assets | 0.1686% | 4,679 |
| Net interest margin | 3.6313% | 2,038 |
| Noninterest income to average assets | 1.9497% | 345 |
| Noninterest expense to average assets | 3.7696% | 476 |
| Loan and lease loss provision to assets | 0.0489% | 3,783 |
| Net operating income to assets | 1.1961% | 1,571 |
| Return on assets (ROA) | 1.7162% | 519 |
| Pretax return on assets | 1.7541% | 759 |
| Return on Equity (ROE) | 19.0001% | 277 |
| Retained earnings to average equity (ytd only) | 15.3317% | 142 |
| Net charge-offs to loans | 0.0768% | 1,715 |
| Credit loss provision to net charge-offs | 134.7826% | 2,521 |
| Earnings coverage of net charge-offs (x) | 35.0580% | 1,486 |
| Efficiency ratio | 74.7653% | 1,361 |
| Assets per employee ($millions) | 2.9349% | 4,825 |
| Cash dividends to net income (ytd only)* | 19.3074% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 4,156 |
| Loan loss allowance to noncurrent loans | 449.7326% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 3,011 |
| Noncurrent loans to loans | 0.2027% | 3,486 |
| Net loans and leases to total assets | 43.8612% | 4,255 |
| Net loans and leases to deposits | 48.5527% | 4,372 |
| Net loans and leases to core deposits | 50.3640% | 4,407 |
| Total domestic deposits to total assets | 90.3373% | 436 |
| Equity capital to assets | 9.3551% | 3,733 |
| Core capital (leverage) ratio | 8.8442% | 3,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6484% | 1,365 |
| Memoranda: | ||
| Average total assets | $190,128,200 | 3,027 |
| Average earning assets | $161,897,200 | 3,150 |
| Average equity | $17,173,600 | 3,441 |
| Average total loans | $89,837,800 | 3,400 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8128% | 3,526 |
| Cost of funding earning assets | 0.1782% | 4,731 |
| Net interest margin | 3.6345% | 2,139 |
| Noninterest income to average assets | 1.7826% | 373 |
| Noninterest expense to average assets | 3.9144% | 407 |
| Loan and lease loss provision to assets | 0.0539% | 3,675 |
| Net operating income to assets | 0.8909% | 2,739 |
| Return on assets (ROA) | 1.4578% | 1,065 |
| Pretax return on assets | 1.4578% | 1,549 |
| Return on Equity (ROE) | 16.3032% | 512 |
| Retained earnings to average equity (ytd only) | 15.2586% | 185 |
| Net charge-offs to loans | 0.0867% | 1,439 |
| Credit loss provision to net charge-offs | 129.3103% | 2,446 |
| Earnings coverage of net charge-offs (x) | 22.6724% | 1,827 |
| Efficiency ratio | 80.5560% | 837 |
| Assets per employee ($millions) | 2.8426% | 4,876 |
| Cash dividends to net income (ytd only)* | 6.4071% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8493% | 4,227 |
| Loan loss allowance to noncurrent loans | 417.0000% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 2,815 |
| Noncurrent loans to loans | 0.2037% | 3,571 |
| Net loans and leases to total assets | 48.9331% | 4,162 |
| Net loans and leases to deposits | 54.4156% | 4,321 |
| Net loans and leases to core deposits | 55.0996% | 4,411 |
| Total domestic deposits to total assets | 89.9246% | 454 |
| Equity capital to assets | 9.5763% | 3,627 |
| Core capital (leverage) ratio | 8.7336% | 4,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1090% | 1,474 |
| Memoranda: | ||
| Average total assets | $185,565,750 | 3,048 |
| Average earning assets | $157,081,750 | 3,182 |
| Average equity | $16,593,500 | 3,496 |
| Average total loans | $89,237,750 | 3,430 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9362% | 3,508 |
| Cost of funding earning assets | 0.1923% | 4,780 |
| Net interest margin | 3.7439% | 2,013 |
| Noninterest income to average assets | 1.6886% | 372 |
| Noninterest expense to average assets | 4.0145% | 399 |
| Loan and lease loss provision to assets | 0.0762% | 3,339 |
| Net operating income to assets | 0.7587% | 3,187 |
| Return on assets (ROA) | 1.2502% | 1,609 |
| Pretax return on assets | 1.2502% | 2,182 |
| Return on Equity (ROE) | 14.3536% | 815 |
| Retained earnings to average equity (ytd only) | 14.3536% | 253 |
| Net charge-offs to loans | 0.1090% | 1,200 |
| Credit loss provision to net charge-offs | 146.8085% | 2,147 |
| Earnings coverage of net charge-offs (x) | 16.0851% | 1,877 |
| Efficiency ratio | 82.7830% | 711 |
| Assets per employee ($millions) | 2.8341% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8579% | 4,159 |
| Loan loss allowance to noncurrent loans | 514.7239% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 2,830 |
| Noncurrent loans to loans | 0.1667% | 3,787 |
| Net loans and leases to total assets | 48.8727% | 4,217 |
| Net loans and leases to deposits | 53.9796% | 4,380 |
| Net loans and leases to core deposits | 54.6545% | 4,476 |
| Total domestic deposits to total assets | 90.5392% | 267 |
| Equity capital to assets | 9.0555% | 4,037 |
| Core capital (leverage) ratio | 8.6540% | 4,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4596% | 1,374 |
| Memoranda: | ||
| Average total assets | $181,094,333 | 3,064 |
| Average earning assets | $152,887,333 | 3,194 |
| Average equity | $15,773,000 | 3,574 |
| Average total loans | $86,250,000 | 3,478 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1055% | 3,511 |
| Cost of funding earning assets | 0.2093% | 4,872 |
| Net interest margin | 3.8962% | 1,683 |
| Noninterest income to average assets | 1.8811% | 292 |
| Noninterest expense to average assets | 4.0128% | 502 |
| Loan and lease loss provision to assets | 0.1531% | 1,866 |
| Net operating income to assets | 0.9533% | 2,337 |
| Return on assets (ROA) | 1.2966% | 1,350 |
| Pretax return on assets | 1.2966% | 1,880 |
| Return on Equity (ROE) | 15.2347% | 523 |
| Retained earnings to average equity (ytd only) | 15.2347% | 178 |
| Net charge-offs to loans | 0.1938% | 704 |
| Credit loss provision to net charge-offs | 169.2308% | 1,515 |
| Earnings coverage of net charge-offs (x) | 12.2308% | 1,700 |
| Efficiency ratio | 78.3870% | 1,292 |
| Assets per employee ($millions) | 2.5125% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 3,470 |
| Loan loss allowance to noncurrent loans | 143.0508% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 2,594 |
| Noncurrent loans to loans | 0.7305% | 2,172 |
| Net loans and leases to total assets | 45.4450% | 4,448 |
| Net loans and leases to deposits | 49.5767% | 4,609 |
| Net loans and leases to core deposits | 50.2673% | 4,670 |
| Total domestic deposits to total assets | 91.6661% | 61 |
| Equity capital to assets | 7.9802% | 4,972 |
| Core capital (leverage) ratio | 9.2694% | 4,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4210% | 1,778 |
| Memoranda: | ||
| Average total assets | $172,448,000 | 3,111 |
| Average earning assets | $143,320,500 | 3,262 |
| Average equity | $14,677,000 | 3,700 |
| Average total loans | $80,477,000 | 3,572 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 3,420 |
| Cost of funding earning assets | 0.2026% | 4,961 |
| Net interest margin | 4.1375% | 1,456 |
| Noninterest income to average assets | 0.8836% | 1,210 |
| Noninterest expense to average assets | 4.1972% | 427 |
| Loan and lease loss provision to assets | 0.0708% | 2,583 |
| Net operating income to assets | 0.0154% | 4,965 |
| Return on assets (ROA) | 0.0168% | 4,985 |
| Pretax return on assets | 0.0738% | 4,955 |
| Return on Equity (ROE) | 0.1759% | 4,981 |
| Retained earnings to average equity (ytd only) | -4.8506% | 4,977 |
| Net charge-offs to loans | 0.1014% | 1,711 |
| Credit loss provision to net charge-offs | 149.3671% | 1,718 |
| Earnings coverage of net charge-offs (x) | 3.0127% | 3,364 |
| Efficiency ratio | 96.7082% | 198 |
| Assets per employee ($millions) | 2.3806% | 5,038 |
| Cash dividends to net income (ytd only)* | 2,857.1429% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 3,391 |
| Loan loss allowance to noncurrent loans | 139.6581% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 2,337 |
| Noncurrent loans to loans | 0.7296% | 2,058 |
| Net loans and leases to total assets | 46.9566% | 4,481 |
| Net loans and leases to deposits | 51.7939% | 4,608 |
| Net loans and leases to core deposits | 52.0095% | 4,706 |
| Total domestic deposits to total assets | 90.6605% | 168 |
| Equity capital to assets | 9.0632% | 4,651 |
| Core capital (leverage) ratio | 9.1397% | 4,411 |
| Tier 1 risk-based capital ratio | 14.0964% | 3,217 |
| Total risk-based capital ratio | 14.8314% | 3,381 |
| Memoranda: | ||
| Average total assets | $166,588,200 | 3,138 |
| Average earning assets | $139,167,800 | 3,287 |
| Average equity | $15,915,400 | 3,552 |
| Average total loans | $77,929,000 | 3,637 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 4,059 |
| Cost of funding earning assets | 0.1983% | 5,044 |
| Net interest margin | 3.9436% | 2,120 |
| Noninterest income to average assets | 0.8121% | 1,384 |
| Noninterest expense to average assets | 4.1611% | 435 |
| Loan and lease loss provision to assets | 0.0819% | 2,270 |
| Net operating income to assets | -0.1679% | 5,100 |
| Return on assets (ROA) | -0.1655% | 5,106 |
| Pretax return on assets | -0.1374% | 5,096 |
| Return on Equity (ROE) | -1.7097% | 5,114 |
| Retained earnings to average equity (ytd only) | -4.1996% | 5,029 |
| Net charge-offs to loans | 0.1086% | 1,381 |
| Credit loss provision to net charge-offs | 161.9048% | 1,542 |
| Earnings coverage of net charge-offs (x) | -1.1429% | 3,395 |
| Efficiency ratio | 101.4096% | 142 |
| Assets per employee ($millions) | 2.4050% | 5,100 |
| Cash dividends to net income (ytd only)* | -145.6310% | 5,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 3,272 |
| Loan loss allowance to noncurrent loans | 131.3505% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.7366% | 1,866 |
| Noncurrent loans to loans | 0.8015% | 1,968 |
| Net loans and leases to total assets | 45.6097% | 4,624 |
| Net loans and leases to deposits | 50.9691% | 4,746 |
| Net loans and leases to core deposits | 51.1846% | 4,811 |
| Total domestic deposits to total assets | 89.4850% | 453 |
| Equity capital to assets | 9.8176% | 4,193 |
| Core capital (leverage) ratio | 9.5521% | 4,111 |
| Tier 1 risk-based capital ratio | 14.8581% | 2,921 |
| Total risk-based capital ratio | 15.6159% | 3,054 |
| Memoranda: | ||
| Average total assets | $165,979,250 | 3,178 |
| Average earning assets | $138,515,250 | 3,331 |
| Average equity | $16,064,500 | 3,570 |
| Average total loans | $77,365,000 | 3,689 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1316% | 4,088 |
| Cost of funding earning assets | 0.1959% | 5,081 |
| Net interest margin | 3.9357% | 2,134 |
| Noninterest income to average assets | 0.7422% | 1,549 |
| Noninterest expense to average assets | 4.1431% | 446 |
| Loan and lease loss provision to assets | 0.1065% | 1,758 |
| Net operating income to assets | -0.2240% | 5,152 |
| Return on assets (ROA) | -0.2191% | 5,158 |
| Pretax return on assets | -0.2191% | 5,149 |
| Return on Equity (ROE) | -2.2753% | 5,170 |
| Retained earnings to average equity (ytd only) | -6.0465% | 5,093 |
| Net charge-offs to loans | 0.1372% | 1,103 |
| Credit loss provision to net charge-offs | 166.0377% | 1,392 |
| Earnings coverage of net charge-offs (x) | -1.8302% | 3,127 |
| Efficiency ratio | 102.9173% | 141 |
| Assets per employee ($millions) | 2.3172% | 5,167 |
| Cash dividends to net income (ytd only)* | -165.7459% | 5,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 3,393 |
| Loan loss allowance to noncurrent loans | 128.2334% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.0429% | 1,322 |
| Noncurrent loans to loans | 0.8109% | 1,970 |
| Net loans and leases to total assets | 46.3773% | 4,628 |
| Net loans and leases to deposits | 51.8457% | 4,744 |
| Net loans and leases to core deposits | 52.0669% | 4,818 |
| Total domestic deposits to total assets | 89.4525% | 491 |
| Equity capital to assets | 9.7791% | 4,158 |
| Core capital (leverage) ratio | 9.6350% | 3,995 |
| Tier 1 risk-based capital ratio | 15.1053% | 2,790 |
| Total risk-based capital ratio | 15.8668% | 2,935 |
| Memoranda: | ||
| Average total assets | $165,189,000 | 3,197 |
| Average earning assets | $137,815,670 | 3,360 |
| Average equity | $15,910,000 | 3,589 |
| Average total loans | $77,286,330 | 3,710 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0807% | 4,177 |
| Cost of funding earning assets | 0.1900% | 5,139 |
| Net interest margin | 3.8907% | 2,221 |
| Noninterest income to average assets | 1.1779% | 586 |
| Noninterest expense to average assets | 4.1031% | 461 |
| Loan and lease loss provision to assets | 0.0949% | 1,839 |
| Net operating income to assets | 0.2190% | 4,997 |
| Return on assets (ROA) | 0.2190% | 5,003 |
| Pretax return on assets | 0.2190% | 5,019 |
| Return on Equity (ROE) | 2.2919% | 4,927 |
| Retained earnings to average equity (ytd only) | 2.2919% | 3,984 |
| Net charge-offs to loans | 0.1666% | 817 |
| Credit loss provision to net charge-offs | 121.8750% | 1,403 |
| Earnings coverage of net charge-offs (x) | 4.0313% | 2,353 |
| Efficiency ratio | 92.8926% | 307 |
| Assets per employee ($millions) | 2.3771% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 3,529 |
| Loan loss allowance to noncurrent loans | 113.1124% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.5044% | 796 |
| Noncurrent loans to loans | 0.9096% | 1,836 |
| Net loans and leases to total assets | 44.7407% | 4,711 |
| Net loans and leases to deposits | 49.7162% | 4,823 |
| Net loans and leases to core deposits | 49.9246% | 4,895 |
| Total domestic deposits to total assets | 89.9921% | 448 |
| Equity capital to assets | 9.6204% | 4,157 |
| Core capital (leverage) ratio | 10.3542% | 3,215 |
| Tier 1 risk-based capital ratio | 15.9104% | 2,484 |
| Total risk-based capital ratio | 16.6545% | 2,612 |
| Memoranda: | ||
| Average total assets | $164,365,500 | 3,246 |
| Average earning assets | $136,840,500 | 3,416 |
| Average equity | $15,707,500 | 3,615 |
| Average total loans | $76,836,000 | 3,756 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9106% | 4,250 |
| Cost of funding earning assets | 0.2096% | 4,968 |
| Net interest margin | 3.7010% | 3,031 |
| Noninterest income to average assets | 2.0252% | 265 |
| Noninterest expense to average assets | 4.0585% | 494 |
| Loan and lease loss provision to assets | 0.0977% | 2,219 |
| Net operating income to assets | 0.9300% | 3,331 |
| Return on assets (ROA) | 0.9300% | 3,322 |
| Pretax return on assets | 0.9300% | 3,815 |
| Return on Equity (ROE) | 9.9211% | 2,549 |
| Retained earnings to average equity (ytd only) | 0.3672% | 4,887 |
| Net charge-offs to loans | 0.1353% | 1,403 |
| Credit loss provision to net charge-offs | 165.6250% | 1,684 |
| Earnings coverage of net charge-offs (x) | 17.4167% | 2,200 |
| Efficiency ratio | 79.7946% | 978 |
| Assets per employee ($millions) | 2.1912% | 5,288 |
| Cash dividends to net income (ytd only)* | 96.2987% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 3,651 |
| Loan loss allowance to noncurrent loans | 114.2438% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 1.7580% | 596 |
| Noncurrent loans to loans | 0.8801% | 1,831 |
| Net loans and leases to total assets | 47.8869% | 4,648 |
| Net loans and leases to deposits | 52.9504% | 4,788 |
| Net loans and leases to core deposits | 53.1835% | 4,872 |
| Total domestic deposits to total assets | 90.4373% | 343 |
| Equity capital to assets | 9.4890% | 4,143 |
| Core capital (leverage) ratio | 10.3462% | 3,207 |
| Tier 1 risk-based capital ratio | 15.4181% | 2,657 |
| Total risk-based capital ratio | 16.1371% | 2,817 |
| Memoranda: | ||
| Average total assets | $162,696,000 | 3,243 |
| Average earning assets | $134,557,800 | 3,432 |
| Average equity | $15,250,400 | 3,606 |
| Average total loans | $70,967,800 | 3,851 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8342% | 4,362 |
| Cost of funding earning assets | 0.2150% | 4,968 |
| Net interest margin | 3.6192% | 3,303 |
| Noninterest income to average assets | 2.0214% | 271 |
| Noninterest expense to average assets | 4.0167% | 518 |
| Loan and lease loss provision to assets | 0.0955% | 2,069 |
| Net operating income to assets | 0.9034% | 3,508 |
| Return on assets (ROA) | 0.9034% | 3,513 |
| Pretax return on assets | 0.9034% | 4,009 |
| Return on Equity (ROE) | 9.6667% | 2,769 |
| Retained earnings to average equity (ytd only) | 1.3099% | 4,773 |
| Net charge-offs to loans | 0.1480% | 1,116 |
| Credit loss provision to net charge-offs | 151.9481% | 1,685 |
| Earnings coverage of net charge-offs (x) | 15.8967% | 2,195 |
| Efficiency ratio | 80.0846% | 932 |
| Assets per employee ($millions) | 2.1476% | 5,356 |
| Cash dividends to net income (ytd only)* | 86.4502% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,479 |
| Loan loss allowance to noncurrent loans | 85.1184% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.8940% | 588 |
| Noncurrent loans to loans | 1.2307% | 1,370 |
| Net loans and leases to total assets | 44.8769% | 4,843 |
| Net loans and leases to deposits | 49.6816% | 4,959 |
| Net loans and leases to core deposits | 49.9017% | 5,026 |
| Total domestic deposits to total assets | 90.3290% | 403 |
| Equity capital to assets | 9.0921% | 4,464 |
| Core capital (leverage) ratio | 10.6826% | 2,902 |
| Tier 1 risk-based capital ratio | 15.9448% | 2,469 |
| Total risk-based capital ratio | 16.6586% | 2,617 |
| Memoranda: | ||
| Average total assets | $163,381,500 | 3,264 |
| Average earning assets | $135,164,500 | 3,460 |
| Average equity | $15,268,500 | 3,628 |
| Average total loans | $69,366,000 | 3,919 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7986% | 4,348 |
| Cost of funding earning assets | 0.2562% | 4,719 |
| Net interest margin | 3.5424% | 3,495 |
| Noninterest income to average assets | 1.9652% | 283 |
| Noninterest expense to average assets | 3.9571% | 567 |
| Loan and lease loss provision to assets | 0.0898% | 2,126 |
| Net operating income to assets | 0.8540% | 3,657 |
| Return on assets (ROA) | 0.8540% | 3,659 |
| Pretax return on assets | 0.8540% | 4,100 |
| Return on Equity (ROE) | 9.0595% | 2,990 |
| Retained earnings to average equity (ytd only) | 4.5555% | 3,317 |
| Net charge-offs to loans | 0.1957% | 803 |
| Credit loss provision to net charge-offs | 110.4478% | 1,890 |
| Earnings coverage of net charge-offs (x) | 11.6119% | 2,255 |
| Efficiency ratio | 80.7426% | 935 |
| Assets per employee ($millions) | 2.2563% | 5,403 |
| Cash dividends to net income (ytd only)* | 49.7159% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,675 |
| Loan loss allowance to noncurrent loans | 56.4504% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 2.3334% | 391 |
| Noncurrent loans to loans | 1.8176% | 856 |
| Net loans and leases to total assets | 43.4767% | 4,930 |
| Net loans and leases to deposits | 48.3552% | 5,015 |
| Net loans and leases to core deposits | 48.8035% | 5,065 |
| Total domestic deposits to total assets | 89.9110% | 602 |
| Equity capital to assets | 9.5921% | 4,009 |
| Core capital (leverage) ratio | 10.8689% | 2,640 |
| Tier 1 risk-based capital ratio | 16.4031% | 2,291 |
| Total risk-based capital ratio | 17.0934% | 2,437 |
| Memoranda: | ||
| Average total assets | $164,869,000 | 3,264 |
| Average earning assets | $136,629,000 | 3,465 |
| Average equity | $15,541,670 | 3,606 |
| Average total loans | $68,463,670 | 3,965 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7599% | 4,326 |
| Cost of funding earning assets | 0.3826% | 3,717 |
| Net interest margin | 3.3773% | 3,957 |
| Noninterest income to average assets | 1.8779% | 291 |
| Noninterest expense to average assets | 3.8731% | 611 |
| Loan and lease loss provision to assets | 0.0263% | 3,177 |
| Net operating income to assets | 0.7871% | 3,765 |
| Return on assets (ROA) | 0.7871% | 3,761 |
| Pretax return on assets | 0.7871% | 4,185 |
| Return on Equity (ROE) | 8.4200% | 3,181 |
| Retained earnings to average equity (ytd only) | 8.4200% | 1,683 |
| Net charge-offs to loans | 0.2666% | 582 |
| Credit loss provision to net charge-offs | 24.4444% | 2,096 |
| Earnings coverage of net charge-offs (x) | 7.5556% | 2,076 |
| Efficiency ratio | 82.6442% | 892 |
| Assets per employee ($millions) | 2.2282% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 3,840 |
| Loan loss allowance to noncurrent loans | 21.8690% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 3.6016% | 199 |
| Noncurrent loans to loans | 4.6647% | 175 |
| Net loans and leases to total assets | 41.1871% | 5,019 |
| Net loans and leases to deposits | 45.8133% | 5,101 |
| Net loans and leases to core deposits | 46.2371% | 5,153 |
| Total domestic deposits to total assets | 89.9021% | 701 |
| Equity capital to assets | 9.5612% | 4,031 |
| Core capital (leverage) ratio | 10.3989% | 3,067 |
| Tier 1 risk-based capital ratio | 16.4789% | 2,281 |
| Total risk-based capital ratio | 17.1308% | 2,464 |
| Memoranda: | ||
| Average total assets | $167,206,500 | 3,277 |
| Average earning assets | $139,047,500 | 3,465 |
| Average equity | $15,629,500 | 3,632 |
| Average total loans | $67,511,000 | 4,024 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6788% | 4,387 |
| Cost of funding earning assets | 0.6354% | 1,384 |
| Net interest margin | 3.0434% | 4,799 |
| Noninterest income to average assets | 1.7939% | 347 |
| Noninterest expense to average assets | 3.6898% | 807 |
| Loan and lease loss provision to assets | 0.0140% | 4,008 |
| Net operating income to assets | 0.6182% | 3,936 |
| Return on assets (ROA) | 0.6298% | 3,927 |
| Pretax return on assets | 0.6298% | 4,676 |
| Return on Equity (ROE) | 6.9970% | 3,278 |
| Retained earnings to average equity (ytd only) | 6.9970% | 1,075 |
| Net charge-offs to loans | 0.4352% | 560 |
| Credit loss provision to net charge-offs | 7.9470% | 3,675 |
| Earnings coverage of net charge-offs (x) | 3.5894% | 3,583 |
| Efficiency ratio | 85.3731% | 683 |
| Assets per employee ($millions) | 2.4855% | 5,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 3,646 |
| Loan loss allowance to noncurrent loans | 53.7190% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 2.2841% | 434 |
| Noncurrent loans to loans | 1.9498% | 792 |
| Net loans and leases to total assets | 38.8254% | 5,181 |
| Net loans and leases to deposits | 48.1520% | 5,122 |
| Net loans and leases to core deposits | 48.6097% | 5,177 |
| Total domestic deposits to total assets | 80.6310% | 4,214 |
| Equity capital to assets | 9.1503% | 4,577 |
| Core capital (leverage) ratio | 9.8537% | 3,633 |
| Tier 1 risk-based capital ratio | 15.9083% | 2,464 |
| Total risk-based capital ratio | 16.5784% | 2,631 |
| Memoranda: | ||
| Average total assets | $171,472,200 | 3,230 |
| Average earning assets | $142,439,200 | 3,418 |
| Average equity | $15,435,200 | 3,664 |
| Average total loans | $69,398,400 | 3,977 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7470% | 4,190 |
| Cost of funding earning assets | 0.6394% | 1,311 |
| Net interest margin | 3.1076% | 4,694 |
| Noninterest income to average assets | 1.7731% | 372 |
| Noninterest expense to average assets | 3.7203% | 752 |
| Loan and lease loss provision to assets | 0.0109% | 3,922 |
| Net operating income to assets | 0.6173% | 4,322 |
| Return on assets (ROA) | 0.6329% | 4,318 |
| Pretax return on assets | 0.6329% | 4,773 |
| Return on Equity (ROE) | 7.0609% | 3,625 |
| Retained earnings to average equity (ytd only) | 7.0609% | 1,660 |
| Net charge-offs to loans | 0.5070% | 405 |
| Credit loss provision to net charge-offs | 5.2830% | 3,250 |
| Earnings coverage of net charge-offs (x) | 3.0378% | 3,387 |
| Efficiency ratio | 85.5528% | 651 |
| Assets per employee ($millions) | 2.5376% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 3,746 |
| Loan loss allowance to noncurrent loans | 59.4551% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 2.6820% | 371 |
| Noncurrent loans to loans | 1.7785% | 1,012 |
| Net loans and leases to total assets | 40.2356% | 5,191 |
| Net loans and leases to deposits | 50.3076% | 5,116 |
| Net loans and leases to core deposits | 50.7934% | 5,173 |
| Total domestic deposits to total assets | 79.9793% | 4,317 |
| Equity capital to assets | 9.3767% | 4,567 |
| Core capital (leverage) ratio | 9.8927% | 3,707 |
| Tier 1 risk-based capital ratio | 16.1381% | 2,442 |
| Total risk-based capital ratio | 16.8510% | 2,611 |
| Memoranda: | ||
| Average total assets | $170,844,250 | 3,260 |
| Average earning assets | $141,584,500 | 3,454 |
| Average equity | $15,314,000 | 3,714 |
| Average total loans | $69,681,750 | 4,004 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 3,878 |
| Cost of funding earning assets | 0.6455% | 1,168 |
| Net interest margin | 3.1581% | 4,525 |
| Noninterest income to average assets | 1.7654% | 382 |
| Noninterest expense to average assets | 3.7493% | 719 |
| Loan and lease loss provision to assets | 0.0141% | 3,671 |
| Net operating income to assets | 0.6167% | 4,226 |
| Return on assets (ROA) | 0.6390% | 4,178 |
| Pretax return on assets | 0.6390% | 4,725 |
| Return on Equity (ROE) | 7.2411% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.2411% | 1,478 |
| Net charge-offs to loans | 0.1928% | 1,044 |
| Credit loss provision to net charge-offs | 17.9104% | 2,802 |
| Earnings coverage of net charge-offs (x) | 8.0149% | 2,542 |
| Efficiency ratio | 85.5994% | 725 |
| Assets per employee ($millions) | 2.3586% | 5,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 2,061 |
| Loan loss allowance to noncurrent loans | 59.8214% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 3.1292% | 281 |
| Noncurrent loans to loans | 2.3004% | 689 |
| Net loans and leases to total assets | 39.5844% | 5,240 |
| Net loans and leases to deposits | 49.5186% | 5,159 |
| Net loans and leases to core deposits | 50.0041% | 5,224 |
| Total domestic deposits to total assets | 79.9384% | 4,430 |
| Equity capital to assets | 9.4670% | 4,435 |
| Core capital (leverage) ratio | 9.8392% | 3,731 |
| Tier 1 risk-based capital ratio | 15.6817% | 2,629 |
| Total risk-based capital ratio | 16.5667% | 2,727 |
| Memoranda: | ||
| Average total assets | $170,273,670 | 3,274 |
| Average earning assets | $140,968,670 | 3,481 |
| Average equity | $15,025,330 | 3,759 |
| Average total loans | $69,518,670 | 4,028 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8210% | 3,688 |
| Cost of funding earning assets | 0.6600% | 1,029 |
| Net interest margin | 3.1610% | 4,466 |
| Noninterest income to average assets | 1.7502% | 379 |
| Noninterest expense to average assets | 3.7114% | 766 |
| Loan and lease loss provision to assets | -0.0164% | 5,670 |
| Net operating income to assets | 0.6733% | 3,820 |
| Return on assets (ROA) | 0.6921% | 3,782 |
| Pretax return on assets | 0.6921% | 4,477 |
| Return on Equity (ROE) | 8.1382% | 2,839 |
| Retained earnings to average equity (ytd only) | 8.1382% | 1,399 |
| Net charge-offs to loans | 0.0798% | 1,537 |
| Credit loss provision to net charge-offs | -50.0000% | 3,868 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,502 |
| Efficiency ratio | 84.9624% | 893 |
| Assets per employee ($millions) | 2.4145% | 5,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 2,109 |
| Loan loss allowance to noncurrent loans | 56.4132% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 3.2293% | 290 |
| Noncurrent loans to loans | 2.4649% | 635 |
| Net loans and leases to total assets | 40.2085% | 5,245 |
| Net loans and leases to deposits | 49.7808% | 5,145 |
| Net loans and leases to core deposits | 50.2588% | 5,213 |
| Total domestic deposits to total assets | 80.7710% | 4,467 |
| Equity capital to assets | 8.7261% | 5,054 |
| Core capital (leverage) ratio | 9.7401% | 3,827 |
| Tier 1 risk-based capital ratio | 15.4294% | 2,781 |
| Total risk-based capital ratio | 16.3402% | 2,855 |
| Memoranda: | ||
| Average total assets | $170,499,500 | 3,308 |
| Average earning assets | $141,219,500 | 3,508 |
| Average equity | $14,499,500 | 3,849 |
| Average total loans | $70,197,500 | 4,046 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5531% | 4,634 |
| Cost of funding earning assets | 0.6437% | 1,087 |
| Net interest margin | 2.9093% | 5,126 |
| Noninterest income to average assets | 2.0180% | 340 |
| Noninterest expense to average assets | 3.9163% | 676 |
| Loan and lease loss provision to assets | 0.0231% | 3,908 |
| Net operating income to assets | 0.4798% | 4,711 |
| Return on assets (ROA) | 0.5129% | 4,661 |
| Pretax return on assets | 0.5129% | 4,997 |
| Return on Equity (ROE) | 5.4542% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.4542% | 2,042 |
| Net charge-offs to loans | 0.2426% | 1,147 |
| Credit loss provision to net charge-offs | 22.5434% | 3,657 |
| Earnings coverage of net charge-offs (x) | 4.9075% | 3,425 |
| Efficiency ratio | 88.6208% | 631 |
| Assets per employee ($millions) | 2.4937% | 5,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 2,041 |
| Loan loss allowance to noncurrent loans | 67.9207% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 3.3296% | 272 |
| Noncurrent loans to loans | 2.0739% | 857 |
| Net loans and leases to total assets | 40.9866% | 5,277 |
| Net loans and leases to deposits | 51.7864% | 5,133 |
| Net loans and leases to core deposits | 52.2993% | 5,219 |
| Total domestic deposits to total assets | 79.1455% | 4,759 |
| Equity capital to assets | 8.2798% | 5,431 |
| Core capital (leverage) ratio | 9.6347% | 3,924 |
| Tier 1 risk-based capital ratio | 14.7457% | 3,074 |
| Total risk-based capital ratio | 15.6461% | 3,173 |
| Memoranda: | ||
| Average total assets | $168,833,800 | 3,300 |
| Average earning assets | $139,344,000 | 3,501 |
| Average equity | $15,877,800 | 3,709 |
| Average total loans | $71,318,800 | 4,014 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5075% | 4,784 |
| Cost of funding earning assets | 0.6400% | 1,096 |
| Net interest margin | 2.8675% | 5,236 |
| Noninterest income to average assets | 1.9922% | 349 |
| Noninterest expense to average assets | 3.9244% | 648 |
| Loan and lease loss provision to assets | 0.0237% | 3,774 |
| Net operating income to assets | 0.4103% | 4,982 |
| Return on assets (ROA) | 0.4546% | 4,940 |
| Pretax return on assets | 0.4546% | 5,219 |
| Return on Equity (ROE) | 4.6927% | 4,647 |
| Retained earnings to average equity (ytd only) | 4.6927% | 3,026 |
| Net charge-offs to loans | 0.1473% | 1,521 |
| Credit loss provision to net charge-offs | 37.9747% | 3,167 |
| Earnings coverage of net charge-offs (x) | 6.9494% | 2,941 |
| Efficiency ratio | 90.0417% | 555 |
| Assets per employee ($millions) | 2.6230% | 5,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 1,475 |
| Loan loss allowance to noncurrent loans | 48.8446% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 3.3163% | 314 |
| Noncurrent loans to loans | 3.2739% | 424 |
| Net loans and leases to total assets | 38.9068% | 5,433 |
| Net loans and leases to deposits | 48.8922% | 5,351 |
| Net loans and leases to core deposits | 49.3707% | 5,409 |
| Total domestic deposits to total assets | 79.5768% | 4,594 |
| Equity capital to assets | 9.7659% | 4,404 |
| Core capital (leverage) ratio | 9.3344% | 4,410 |
| Tier 1 risk-based capital ratio | 15.5411% | 2,815 |
| Total risk-based capital ratio | 16.5957% | 2,824 |
| Memoranda: | ||
| Average total assets | $168,649,750 | 3,319 |
| Average earning assets | $139,164,750 | 3,525 |
| Average equity | $16,337,250 | 3,682 |
| Average total loans | $71,525,000 | 4,028 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5772% | 4,662 |
| Cost of funding earning assets | 0.6371% | 1,104 |
| Net interest margin | 2.9400% | 5,187 |
| Noninterest income to average assets | 1.9377% | 349 |
| Noninterest expense to average assets | 3.9634% | 619 |
| Loan and lease loss provision to assets | 0.0440% | 3,271 |
| Net operating income to assets | 0.3523% | 5,174 |
| Return on assets (ROA) | 0.3773% | 5,185 |
| Pretax return on assets | 0.3773% | 5,375 |
| Return on Equity (ROE) | 3.9056% | 4,943 |
| Retained earnings to average equity (ytd only) | 3.9056% | 3,411 |
| Net charge-offs to loans | 0.0494% | 2,498 |
| Credit loss provision to net charge-offs | 205.5556% | 1,273 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,819 |
| Efficiency ratio | 90.9091% | 552 |
| Assets per employee ($millions) | 2.4387% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5904% | 1,555 |
| Loan loss allowance to noncurrent loans | 57.1571% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 3.8797% | 244 |
| Noncurrent loans to loans | 2.7826% | 573 |
| Net loans and leases to total assets | 41.5385% | 5,353 |
| Net loans and leases to deposits | 52.1110% | 5,244 |
| Net loans and leases to core deposits | 52.6187% | 5,340 |
| Total domestic deposits to total assets | 79.7117% | 4,623 |
| Equity capital to assets | 9.8149% | 4,431 |
| Core capital (leverage) ratio | 9.2328% | 4,541 |
| Tier 1 risk-based capital ratio | 14.9205% | 3,108 |
| Total risk-based capital ratio | 16.0084% | 3,123 |
| Memoranda: | ||
| Average total assets | $168,035,670 | 3,343 |
| Average earning assets | $138,434,000 | 3,554 |
| Average equity | $16,233,000 | 3,703 |
| Average total loans | $72,896,330 | 4,022 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6160% | 4,581 |
| Cost of funding earning assets | 0.6378% | 1,115 |
| Net interest margin | 2.9782% | 5,168 |
| Noninterest income to average assets | 1.8884% | 369 |
| Noninterest expense to average assets | 4.1344% | 529 |
| Loan and lease loss provision to assets | 0.0024% | 3,644 |
| Net operating income to assets | 0.1944% | 5,535 |
| Return on assets (ROA) | 0.2448% | 5,509 |
| Pretax return on assets | 0.2448% | 5,587 |
| Return on Equity (ROE) | 2.5545% | 5,368 |
| Retained earnings to average equity (ytd only) | 2.5545% | 4,223 |
| Net charge-offs to loans | 0.0546% | 1,977 |
| Credit loss provision to net charge-offs | 10.0000% | 2,360 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 2,078 |
| Efficiency ratio | 95.4571% | 411 |
| Assets per employee ($millions) | 2.4686% | 5,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 1,909 |
| Loan loss allowance to noncurrent loans | 50.3377% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 4.0913% | 242 |
| Noncurrent loans to loans | 3.0152% | 536 |
| Net loans and leases to total assets | 43.2134% | 5,289 |
| Net loans and leases to deposits | 54.1238% | 5,094 |
| Net loans and leases to core deposits | 54.6588% | 5,203 |
| Total domestic deposits to total assets | 79.8418% | 4,779 |
| Equity capital to assets | 9.5850% | 4,577 |
| Core capital (leverage) ratio | 9.4337% | 4,302 |
| Tier 1 risk-based capital ratio | 14.6414% | 3,315 |
| Total risk-based capital ratio | 15.6993% | 3,356 |
| Memoranda: | ||
| Average total assets | $166,699,000 | 3,373 |
| Average earning assets | $136,727,000 | 3,601 |
| Average equity | $15,972,000 | 3,738 |
| Average total loans | $73,316,500 | 4,042 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5526% | 4,799 |
| Cost of funding earning assets | 0.6659% | 984 |
| Net interest margin | 2.8867% | 5,357 |
| Noninterest income to average assets | 1.6536% | 476 |
| Noninterest expense to average assets | 4.0258% | 648 |
| Loan and lease loss provision to assets | 0.1271% | 1,900 |
| Net operating income to assets | 0.3285% | 5,276 |
| Return on assets (ROA) | 0.3749% | 5,214 |
| Pretax return on assets | -0.0724% | 5,919 |
| Return on Equity (ROE) | 4.0091% | 4,942 |
| Retained earnings to average equity (ytd only) | 1.2902% | 4,982 |
| Net charge-offs to loans | 0.3235% | 926 |
| Credit loss provision to net charge-offs | 88.5246% | 2,785 |
| Earnings coverage of net charge-offs (x) | -0.1230% | 4,279 |
| Efficiency ratio | 100.4405% | 273 |
| Assets per employee ($millions) | 2.4706% | 5,905 |
| Cash dividends to net income (ytd only)* | 67.8179% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5444% | 1,822 |
| Loan loss allowance to noncurrent loans | 65.6760% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 4.6632% | 197 |
| Noncurrent loans to loans | 2.3515% | 809 |
| Net loans and leases to total assets | 43.4040% | 5,315 |
| Net loans and leases to deposits | 54.4436% | 5,136 |
| Net loans and leases to core deposits | 54.9899% | 5,257 |
| Total domestic deposits to total assets | 79.7228% | 4,815 |
| Equity capital to assets | 9.5777% | 4,466 |
| Core capital (leverage) ratio | 9.4892% | 4,183 |
| Tier 1 risk-based capital ratio | 15.1617% | 3,099 |
| Total risk-based capital ratio | 16.2542% | 3,106 |
| Memoranda: | ||
| Average total assets | $169,929,800 | 3,304 |
| Average earning assets | $138,602,800 | 3,553 |
| Average equity | $15,889,000 | 3,692 |
| Average total loans | $75,425,200 | 3,961 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5376% | 4,891 |
| Cost of funding earning assets | 0.6695% | 985 |
| Net interest margin | 2.8682% | 5,463 |
| Noninterest income to average assets | 1.8476% | 402 |
| Noninterest expense to average assets | 4.0008% | 666 |
| Loan and lease loss provision to assets | 0.2315% | 788 |
| Net operating income to assets | 0.4241% | 5,073 |
| Return on assets (ROA) | 0.4787% | 4,962 |
| Pretax return on assets | 0.0078% | 5,963 |
| Return on Equity (ROE) | 5.1495% | 4,557 |
| Retained earnings to average equity (ytd only) | 1.5264% | 5,105 |
| Net charge-offs to loans | 0.5067% | 474 |
| Credit loss provision to net charge-offs | 102.7682% | 2,207 |
| Earnings coverage of net charge-offs (x) | 0.8201% | 3,910 |
| Efficiency ratio | 95.5858% | 427 |
| Assets per employee ($millions) | 2.3303% | 6,044 |
| Cash dividends to net income (ytd only)* | 70.3585% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 1,927 |
| Loan loss allowance to noncurrent loans | 57.0658% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 5.5165% | 160 |
| Noncurrent loans to loans | 2.7376% | 692 |
| Net loans and leases to total assets | 44.2937% | 5,341 |
| Net loans and leases to deposits | 55.8045% | 5,135 |
| Net loans and leases to core deposits | 56.3668% | 5,287 |
| Total domestic deposits to total assets | 79.3730% | 4,892 |
| Equity capital to assets | 9.7511% | 4,450 |
| Core capital (leverage) ratio | 9.4157% | 4,410 |
| Tier 1 risk-based capital ratio | 15.3134% | 3,136 |
| Total risk-based capital ratio | 16.4348% | 3,131 |
| Memoranda: | ||
| Average total assets | $171,029,500 | 3,316 |
| Average earning assets | $139,412,750 | 3,580 |
| Average equity | $15,897,750 | 3,726 |
| Average total loans | $76,038,000 | 3,975 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4561% | 5,093 |
| Cost of funding earning assets | 0.6658% | 1,020 |
| Net interest margin | 2.7903% | 5,630 |
| Noninterest income to average assets | 1.7236% | 455 |
| Noninterest expense to average assets | 3.9875% | 684 |
| Loan and lease loss provision to assets | 0.3285% | 425 |
| Net operating income to assets | 0.4190% | 5,084 |
| Return on assets (ROA) | 0.4708% | 4,984 |
| Pretax return on assets | -0.2279% | 6,120 |
| Return on Equity (ROE) | 5.1456% | 4,551 |
| Retained earnings to average equity (ytd only) | 5.1456% | 2,766 |
| Net charge-offs to loans | 0.7131% | 316 |
| Credit loss provision to net charge-offs | 104.0293% | 1,997 |
| Earnings coverage of net charge-offs (x) | 0.0623% | 3,706 |
| Efficiency ratio | 99.5092% | 334 |
| Assets per employee ($millions) | 2.5168% | 6,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 2,117 |
| Loan loss allowance to noncurrent loans | 50.1721% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 5.5182% | 179 |
| Noncurrent loans to loans | 3.0696% | 640 |
| Net loans and leases to total assets | 42.9248% | 5,441 |
| Net loans and leases to deposits | 55.6328% | 5,145 |
| Net loans and leases to core deposits | 56.1816% | 5,300 |
| Total domestic deposits to total assets | 77.1574% | 5,435 |
| Equity capital to assets | 9.1217% | 5,120 |
| Core capital (leverage) ratio | 9.2377% | 4,637 |
| Tier 1 risk-based capital ratio | 15.2961% | 3,202 |
| Total risk-based capital ratio | 16.3958% | 3,214 |
| Memoranda: | ||
| Average total assets | $172,890,000 | 3,303 |
| Average earning assets | $141,487,670 | 3,577 |
| Average equity | $15,819,330 | 3,751 |
| Average total loans | $76,568,670 | 3,987 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4594% | 5,065 |
| Cost of funding earning assets | 0.6653% | 1,017 |
| Net interest margin | 2.7941% | 5,652 |
| Noninterest income to average assets | 1.3704% | 616 |
| Noninterest expense to average assets | 4.0393% | 657 |
| Loan and lease loss provision to assets | 0.6307% | 146 |
| Net operating income to assets | 0.4480% | 4,882 |
| Return on assets (ROA) | 0.5519% | 4,584 |
| Pretax return on assets | -0.8487% | 6,301 |
| Return on Equity (ROE) | 6.0221% | 4,032 |
| Retained earnings to average equity (ytd only) | 6.0221% | 2,495 |
| Net charge-offs to loans | 0.9611% | 246 |
| Credit loss provision to net charge-offs | 147.0270% | 1,268 |
| Earnings coverage of net charge-offs (x) | -0.8865% | 3,168 |
| Efficiency ratio | 110.3929% | 190 |
| Assets per employee ($millions) | 2.6049% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 1,992 |
| Loan loss allowance to noncurrent loans | 26.5498% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 6.4827% | 151 |
| Noncurrent loans to loans | 6.0863% | 178 |
| Net loans and leases to total assets | 42.6905% | 5,442 |
| Net loans and leases to deposits | 55.1251% | 5,113 |
| Net loans and leases to core deposits | 55.8346% | 5,259 |
| Total domestic deposits to total assets | 77.4429% | 5,544 |
| Equity capital to assets | 9.1874% | 5,104 |
| Core capital (leverage) ratio | 9.4994% | 4,277 |
| Tier 1 risk-based capital ratio | 14.8740% | 3,498 |
| Total risk-based capital ratio | 16.0151% | 3,498 |
| Memoranda: | ||
| Average total assets | $172,504,000 | 3,323 |
| Average earning assets | $141,297,500 | 3,602 |
| Average equity | $15,808,500 | 3,775 |
| Average total loans | $76,998,000 | 3,990 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4929% | 5,331 |
| Cost of funding earning assets | 0.9012% | 387 |
| Net interest margin | 2.5917% | 6,088 |
| Noninterest income to average assets | 2.3791% | 257 |
| Noninterest expense to average assets | 4.1024% | 684 |
| Loan and lease loss provision to assets | 0.2286% | 1,067 |
| Net operating income to assets | 0.1687% | 5,829 |
| Return on assets (ROA) | 0.2419% | 5,734 |
| Pretax return on assets | 0.2419% | 5,801 |
| Return on Equity (ROE) | 2.9682% | 5,493 |
| Retained earnings to average equity (ytd only) | 2.9682% | 4,132 |
| Net charge-offs to loans | 0.5050% | 809 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 1.7379% | 4,344 |
| Efficiency ratio | 91.1714% | 768 |
| Assets per employee ($millions) | 2.3316% | 6,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 2,490 |
| Loan loss allowance to noncurrent loans | 23.1509% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 7.3745% | 133 |
| Noncurrent loans to loans | 6.4679% | 165 |
| Net loans and leases to total assets | 45.2599% | 5,387 |
| Net loans and leases to deposits | 56.2844% | 5,165 |
| Net loans and leases to core deposits | 57.0198% | 5,314 |
| Total domestic deposits to total assets | 80.4128% | 4,903 |
| Equity capital to assets | 9.1395% | 5,139 |
| Core capital (leverage) ratio | 9.2621% | 4,586 |
| Tier 1 risk-based capital ratio | 15.8530% | 3,031 |
| Total risk-based capital ratio | 16.9711% | 3,046 |
| Memoranda: | ||
| Average total assets | $180,234,600 | 3,203 |
| Average earning assets | $147,469,600 | 3,486 |
| Average equity | $14,689,000 | 3,898 |
| Average total loans | $81,582,400 | 3,834 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6707% | 4,938 |
| Cost of funding earning assets | 0.9190% | 373 |
| Net interest margin | 2.7517% | 5,936 |
| Noninterest income to average assets | 1.7288% | 435 |
| Noninterest expense to average assets | 3.6423% | 1,221 |
| Loan and lease loss provision to assets | 0.1891% | 1,292 |
| Net operating income to assets | 0.1513% | 5,941 |
| Return on assets (ROA) | 0.2473% | 5,803 |
| Pretax return on assets | 0.2473% | 5,873 |
| Return on Equity (ROE) | 3.1209% | 5,497 |
| Retained earnings to average equity (ytd only) | 3.1209% | 4,400 |
| Net charge-offs to loans | 0.4095% | 967 |
| Credit loss provision to net charge-offs | 102.3622% | 2,155 |
| Earnings coverage of net charge-offs (x) | 1.8425% | 4,066 |
| Efficiency ratio | 91.4536% | 739 |
| Assets per employee ($millions) | 2.5394% | 6,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 2,873 |
| Loan loss allowance to noncurrent loans | 19.0578% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 7.4212% | 152 |
| Noncurrent loans to loans | 7.6923% | 130 |
| Net loans and leases to total assets | 43.2818% | 5,575 |
| Net loans and leases to deposits | 56.7944% | 5,189 |
| Net loans and leases to core deposits | 57.6385% | 5,352 |
| Total domestic deposits to total assets | 76.2079% | 5,788 |
| Equity capital to assets | 8.2548% | 5,976 |
| Core capital (leverage) ratio | 9.0556% | 4,991 |
| Tier 1 risk-based capital ratio | 15.5176% | 3,308 |
| Total risk-based capital ratio | 16.6179% | 3,323 |
| Memoranda: | ||
| Average total assets | $183,324,500 | 3,202 |
| Average earning assets | $150,156,250 | 3,464 |
| Average equity | $14,525,500 | 3,947 |
| Average total loans | $82,694,250 | 3,825 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 4,850 |
| Cost of funding earning assets | 0.9164% | 393 |
| Net interest margin | 2.7877% | 5,934 |
| Noninterest income to average assets | 1.7902% | 415 |
| Noninterest expense to average assets | 3.6217% | 1,256 |
| Loan and lease loss provision to assets | 0.2691% | 775 |
| Net operating income to assets | 0.1801% | 5,893 |
| Return on assets (ROA) | 0.2734% | 5,726 |
| Pretax return on assets | 0.2734% | 5,832 |
| Return on Equity (ROE) | 3.4985% | 5,349 |
| Retained earnings to average equity (ytd only) | 3.4985% | 3,978 |
| Net charge-offs to loans | 0.5891% | 684 |
| Credit loss provision to net charge-offs | 100.4049% | 1,980 |
| Earnings coverage of net charge-offs (x) | 1.6761% | 3,745 |
| Efficiency ratio | 88.9659% | 993 |
| Assets per employee ($millions) | 2.5095% | 6,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4059% | 3,322 |
| Loan loss allowance to noncurrent loans | 20.9344% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 7.4565% | 154 |
| Noncurrent loans to loans | 6.7156% | 191 |
| Net loans and leases to total assets | 44.2531% | 5,519 |
| Net loans and leases to deposits | 57.7389% | 5,066 |
| Net loans and leases to core deposits | 58.5779% | 5,231 |
| Total domestic deposits to total assets | 76.6436% | 5,843 |
| Equity capital to assets | 8.1787% | 6,040 |
| Core capital (leverage) ratio | 8.8769% | 5,196 |
| Tier 1 risk-based capital ratio | 15.1345% | 3,566 |
| Total risk-based capital ratio | 16.2026% | 3,606 |
| Memoranda: | ||
| Average total assets | $184,334,330 | 3,213 |
| Average earning assets | $150,805,000 | 3,473 |
| Average equity | $14,406,330 | 3,962 |
| Average total loans | $83,860,330 | 3,817 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6994% | 4,853 |
| Cost of funding earning assets | 0.9143% | 422 |
| Net interest margin | 2.7851% | 5,964 |
| Noninterest income to average assets | 1.7955% | 401 |
| Noninterest expense to average assets | 3.5932% | 1,318 |
| Loan and lease loss provision to assets | 0.1990% | 1,174 |
| Net operating income to assets | 0.2899% | 5,531 |
| Return on assets (ROA) | 0.2899% | 5,576 |
| Pretax return on assets | 0.2899% | 5,741 |
| Return on Equity (ROE) | 3.7966% | 5,132 |
| Retained earnings to average equity (ytd only) | 3.7966% | 3,850 |
| Net charge-offs to loans | 0.4629% | 786 |
| Credit loss provision to net charge-offs | 93.8776% | 1,764 |
| Earnings coverage of net charge-offs (x) | 2.3061% | 2,911 |
| Efficiency ratio | 88.0233% | 1,225 |
| Assets per employee ($millions) | 2.6915% | 6,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 3,681 |
| Loan loss allowance to noncurrent loans | 21.0710% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 7.3533% | 197 |
| Noncurrent loans to loans | 6.5688% | 249 |
| Net loans and leases to total assets | 44.0817% | 5,503 |
| Net loans and leases to deposits | 57.0110% | 5,032 |
| Net loans and leases to core deposits | 57.8200% | 5,214 |
| Total domestic deposits to total assets | 77.3213% | 5,928 |
| Equity capital to assets | 7.7744% | 6,194 |
| Core capital (leverage) ratio | 8.9303% | 5,100 |
| Tier 1 risk-based capital ratio | 15.0927% | 3,661 |
| Total risk-based capital ratio | 16.1528% | 3,717 |
| Memoranda: | ||
| Average total assets | $184,903,500 | 3,232 |
| Average earning assets | $151,809,500 | 3,475 |
| Average equity | $14,118,000 | 4,026 |
| Average total loans | $84,677,500 | 3,830 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7705% | 4,907 |
| Cost of funding earning assets | 0.9551% | 565 |
| Net interest margin | 2.8154% | 5,949 |
| Noninterest income to average assets | 1.5339% | 602 |
| Noninterest expense to average assets | 3.5312% | 1,590 |
| Loan and lease loss provision to assets | -0.0394% | 6,353 |
| Net operating income to assets | 0.3453% | 5,353 |
| Return on assets (ROA) | 0.3857% | 5,303 |
| Pretax return on assets | 0.3857% | 5,525 |
| Return on Equity (ROE) | 4.9464% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.9464% | 2,629 |
| Net charge-offs to loans | 0.7717% | 817 |
| Credit loss provision to net charge-offs | -10.3164% | 5,685 |
| Earnings coverage of net charge-offs (x) | 0.8019% | 4,816 |
| Efficiency ratio | 92.0268% | 879 |
| Assets per employee ($millions) | 2.7477% | 6,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 3,947 |
| Loan loss allowance to noncurrent loans | 18.5811% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 7.5635% | 215 |
| Noncurrent loans to loans | 7.1994% | 225 |
| Net loans and leases to total assets | 46.2728% | 5,464 |
| Net loans and leases to deposits | 59.6988% | 4,964 |
| Net loans and leases to core deposits | 60.5509% | 5,181 |
| Total domestic deposits to total assets | 77.5105% | 5,897 |
| Equity capital to assets | 7.4950% | 6,285 |
| Core capital (leverage) ratio | 8.7801% | 5,312 |
| Tier 1 risk-based capital ratio | 14.7948% | 3,788 |
| Total risk-based capital ratio | 15.8340% | 3,848 |
| Memoranda: | ||
| Average total assets | $190,555,800 | 3,148 |
| Average earning assets | $155,893,800 | 3,400 |
| Average equity | $14,859,200 | 3,893 |
| Average total loans | $94,211,800 | 3,595 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8011% | 4,855 |
| Cost of funding earning assets | 0.9564% | 617 |
| Net interest margin | 2.8447% | 5,932 |
| Noninterest income to average assets | 1.5104% | 638 |
| Noninterest expense to average assets | 3.5391% | 1,526 |
| Loan and lease loss provision to assets | -0.0923% | 6,618 |
| Net operating income to assets | 0.3871% | 5,293 |
| Return on assets (ROA) | 0.4406% | 5,213 |
| Pretax return on assets | 0.4406% | 5,523 |
| Return on Equity (ROE) | 5.5979% | 4,419 |
| Retained earnings to average equity (ytd only) | 5.5979% | 2,664 |
| Net charge-offs to loans | 0.7319% | 815 |
| Credit loss provision to net charge-offs | -25.1894% | 5,650 |
| Earnings coverage of net charge-offs (x) | 0.8049% | 4,585 |
| Efficiency ratio | 92.3091% | 833 |
| Assets per employee ($millions) | 2.6672% | 6,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 3,723 |
| Loan loss allowance to noncurrent loans | 19.8529% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 8.0649% | 219 |
| Noncurrent loans to loans | 7.2640% | 278 |
| Net loans and leases to total assets | 46.1214% | 5,540 |
| Net loans and leases to deposits | 59.2843% | 5,060 |
| Net loans and leases to core deposits | 60.0957% | 5,294 |
| Total domestic deposits to total assets | 77.7969% | 5,932 |
| Equity capital to assets | 7.5401% | 6,378 |
| Core capital (leverage) ratio | 8.5772% | 5,692 |
| Tier 1 risk-based capital ratio | 14.1484% | 4,323 |
| Total risk-based capital ratio | 15.2637% | 4,373 |
| Memoranda: | ||
| Average total assets | $192,171,000 | 3,149 |
| Average earning assets | $156,966,500 | 3,425 |
| Average equity | $15,124,500 | 3,893 |
| Average total loans | $96,179,500 | 3,573 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8552% | 4,637 |
| Cost of funding earning assets | 0.9587% | 681 |
| Net interest margin | 2.8965% | 5,806 |
| Noninterest income to average assets | 1.4827% | 719 |
| Noninterest expense to average assets | 3.5658% | 1,470 |
| Loan and lease loss provision to assets | -0.1509% | 6,751 |
| Net operating income to assets | 0.4349% | 5,085 |
| Return on assets (ROA) | 0.5151% | 4,904 |
| Pretax return on assets | 0.5151% | 5,320 |
| Return on Equity (ROE) | 6.4540% | 3,904 |
| Retained earnings to average equity (ytd only) | 6.4540% | 2,172 |
| Net charge-offs to loans | -0.0916% | 6,481 |
| Credit loss provision to net charge-offs | 322.2222% | 807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6216% | 849 |
| Assets per employee ($millions) | 2.7208% | 6,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9127% | 2,083 |
| Loan loss allowance to noncurrent loans | 36.3832% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 7.4073% | 310 |
| Noncurrent loans to loans | 5.2571% | 593 |
| Net loans and leases to total assets | 49.2975% | 5,187 |
| Net loans and leases to deposits | 63.1381% | 4,604 |
| Net loans and leases to core deposits | 64.6631% | 4,824 |
| Total domestic deposits to total assets | 78.0788% | 5,962 |
| Equity capital to assets | 7.3524% | 6,491 |
| Core capital (leverage) ratio | 8.3149% | 5,868 |
| Tier 1 risk-based capital ratio | 13.7929% | 4,571 |
| Total risk-based capital ratio | 15.0471% | 4,535 |
| Memoranda: | ||
| Average total assets | $192,214,330 | 3,165 |
| Average earning assets | $157,087,670 | 3,444 |
| Average equity | $15,339,330 | 3,884 |
| Average total loans | $98,283,330 | 3,537 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8333% | 4,709 |
| Cost of funding earning assets | 0.9653% | 725 |
| Net interest margin | 2.8679% | 5,872 |
| Noninterest income to average assets | 1.5292% | 658 |
| Noninterest expense to average assets | 3.6217% | 1,381 |
| Loan and lease loss provision to assets | -0.1335% | 6,859 |
| Net operating income to assets | 0.3839% | 5,191 |
| Return on assets (ROA) | 0.5445% | 4,629 |
| Pretax return on assets | 0.5445% | 5,131 |
| Return on Equity (ROE) | 6.5629% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.5629% | 2,385 |
| Net charge-offs to loans | 0.5461% | 1,107 |
| Credit loss provision to net charge-offs | -47.4074% | 5,051 |
| Earnings coverage of net charge-offs (x) | 0.8889% | 3,541 |
| Efficiency ratio | 93.5345% | 870 |
| Assets per employee ($millions) | 2.6294% | 6,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 2,619 |
| Loan loss allowance to noncurrent loans | 34.5995% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 7.6855% | 340 |
| Noncurrent loans to loans | 5.2026% | 725 |
| Net loans and leases to total assets | 49.2895% | 5,079 |
| Net loans and leases to deposits | 63.6815% | 4,356 |
| Net loans and leases to core deposits | 65.2184% | 4,632 |
| Total domestic deposits to total assets | 77.4000% | 6,206 |
| Equity capital to assets | 8.1768% | 6,270 |
| Core capital (leverage) ratio | 8.4044% | 5,702 |
| Tier 1 risk-based capital ratio | 13.6479% | 4,760 |
| Total risk-based capital ratio | 14.9012% | 4,721 |
| Memoranda: | ||
| Average total assets | $191,734,500 | 3,201 |
| Average earning assets | $156,628,500 | 3,490 |
| Average equity | $15,907,500 | 3,832 |
| Average total loans | $98,881,500 | 3,538 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 4,442 |
| Cost of funding earning assets | 1.2392% | 482 |
| Net interest margin | 2.9992% | 6,053 |
| Noninterest income to average assets | 0.7069% | 2,687 |
| Noninterest expense to average assets | 3.7455% | 1,333 |
| Loan and lease loss provision to assets | -0.3930% | 7,029 |
| Net operating income to assets | -0.2053% | 6,383 |
| Return on assets (ROA) | 0.4221% | 5,259 |
| Pretax return on assets | 0.4221% | 5,520 |
| Return on Equity (ROE) | 5.4221% | 4,469 |
| Retained earnings to average equity (ytd only) | 5.4221% | 2,430 |
| Net charge-offs to loans | 0.1953% | 3,813 |
| Credit loss provision to net charge-offs | -380.9756% | 6,478 |
| Earnings coverage of net charge-offs (x) | -5.8000% | 5,916 |
| Efficiency ratio | 119.0088% | 220 |
| Assets per employee ($millions) | 2.4854% | 6,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9550% | 2,144 |
| Loan loss allowance to noncurrent loans | 40.2096% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 7.9743% | 345 |
| Noncurrent loans to loans | 4.8621% | 839 |
| Net loans and leases to total assets | 51.9567% | 4,937 |
| Net loans and leases to deposits | 67.5288% | 4,050 |
| Net loans and leases to core deposits | 69.2172% | 4,408 |
| Total domestic deposits to total assets | 76.9400% | 6,235 |
| Equity capital to assets | 8.4201% | 6,110 |
| Core capital (leverage) ratio | 8.2833% | 5,904 |
| Tier 1 risk-based capital ratio | 13.4723% | 4,771 |
| Total risk-based capital ratio | 14.7275% | 4,724 |
| Memoranda: | ||
| Average total assets | $198,744,800 | 3,060 |
| Average earning assets | $161,710,800 | 3,356 |
| Average equity | $15,473,800 | 3,864 |
| Average total loans | $104,944,000 | 3,398 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2913% | 4,481 |
| Cost of funding earning assets | 1.2910% | 453 |
| Net interest margin | 3.0003% | 6,171 |
| Noninterest income to average assets | 0.7581% | 2,437 |
| Noninterest expense to average assets | 3.7294% | 1,326 |
| Loan and lease loss provision to assets | 0.1166% | 4,097 |
| Net operating income to assets | -0.6454% | 6,755 |
| Return on assets (ROA) | 0.1809% | 6,117 |
| Pretax return on assets | 0.1809% | 6,155 |
| Return on Equity (ROE) | 2.3688% | 5,926 |
| Retained earnings to average equity (ytd only) | 2.3688% | 5,151 |
| Net charge-offs to loans | 0.8076% | 1,356 |
| Credit loss provision to net charge-offs | 27.3717% | 4,838 |
| Earnings coverage of net charge-offs (x) | -1.2411% | 5,599 |
| Efficiency ratio | 116.5217% | 223 |
| Assets per employee ($millions) | 2.4366% | 6,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3990% | 1,363 |
| Loan loss allowance to noncurrent loans | 54.3459% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 8.0957% | 378 |
| Noncurrent loans to loans | 4.4143% | 1,081 |
| Net loans and leases to total assets | 51.6770% | 5,087 |
| Net loans and leases to deposits | 66.7395% | 4,370 |
| Net loans and leases to core deposits | 68.5741% | 4,660 |
| Total domestic deposits to total assets | 77.4309% | 6,174 |
| Equity capital to assets | 7.9921% | 6,593 |
| Core capital (leverage) ratio | 7.8521% | 6,437 |
| Tier 1 risk-based capital ratio | 12.7971% | 5,409 |
| Total risk-based capital ratio | 14.0568% | 5,364 |
| Memoranda: | ||
| Average total assets | $201,207,500 | 3,059 |
| Average earning assets | $163,801,500 | 3,353 |
| Average equity | $15,366,000 | 3,917 |
| Average total loans | $106,155,000 | 3,409 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3759% | 4,276 |
| Cost of funding earning assets | 1.3438% | 441 |
| Net interest margin | 3.0320% | 6,171 |
| Noninterest income to average assets | 1.1303% | 1,117 |
| Noninterest expense to average assets | 3.6862% | 1,401 |
| Loan and lease loss provision to assets | 0.0846% | 4,534 |
| Net operating income to assets | -0.1722% | 6,514 |
| Return on assets (ROA) | 0.2627% | 5,917 |
| Pretax return on assets | 0.2627% | 6,030 |
| Return on Equity (ROE) | 3.4913% | 5,479 |
| Retained earnings to average equity (ytd only) | 3.4913% | 4,265 |
| Net charge-offs to loans | 0.8886% | 1,238 |
| Credit loss provision to net charge-offs | 18.0672% | 4,643 |
| Earnings coverage of net charge-offs (x) | -0.1870% | 5,158 |
| Efficiency ratio | 102.4330% | 478 |
| Assets per employee ($millions) | 2.4963% | 6,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4249% | 1,379 |
| Loan loss allowance to noncurrent loans | 52.2406% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 8.4586% | 389 |
| Noncurrent loans to loans | 4.6418% | 1,119 |
| Net loans and leases to total assets | 52.0917% | 5,084 |
| Net loans and leases to deposits | 67.2830% | 4,317 |
| Net loans and leases to core deposits | 68.9577% | 4,673 |
| Total domestic deposits to total assets | 77.4218% | 6,263 |
| Equity capital to assets | 8.2334% | 6,426 |
| Core capital (leverage) ratio | 7.6851% | 6,526 |
| Tier 1 risk-based capital ratio | 12.2257% | 5,770 |
| Total risk-based capital ratio | 13.4848% | 5,750 |
| Memoranda: | ||
| Average total assets | $203,300,000 | 3,052 |
| Average earning assets | $165,499,000 | 3,338 |
| Average equity | $15,295,000 | 3,923 |
| Average total loans | $107,136,670 | 3,396 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3865% | 4,383 |
| Cost of funding earning assets | 1.3971% | 433 |
| Net interest margin | 2.9894% | 6,311 |
| Noninterest income to average assets | 1.5508% | 603 |
| Noninterest expense to average assets | 3.6308% | 1,498 |
| Loan and lease loss provision to assets | 0.0039% | 5,221 |
| Net operating income to assets | 0.3509% | 5,473 |
| Return on assets (ROA) | 0.3509% | 5,648 |
| Pretax return on assets | 0.3509% | 5,853 |
| Return on Equity (ROE) | 4.8840% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.8840% | 3,620 |
| Net charge-offs to loans | 1.7027% | 566 |
| Credit loss provision to net charge-offs | 0.4348% | 3,989 |
| Earnings coverage of net charge-offs (x) | 0.3978% | 4,157 |
| Efficiency ratio | 91.0992% | 1,010 |
| Assets per employee ($millions) | 2.6818% | 6,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3326% | 1,622 |
| Loan loss allowance to noncurrent loans | 69.4522% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 7.9757% | 482 |
| Noncurrent loans to loans | 3.3586% | 1,888 |
| Net loans and leases to total assets | 51.0495% | 5,143 |
| Net loans and leases to deposits | 64.7127% | 4,530 |
| Net loans and leases to core deposits | 67.1570% | 4,781 |
| Total domestic deposits to total assets | 78.8863% | 6,099 |
| Equity capital to assets | 7.3354% | 6,836 |
| Core capital (leverage) ratio | 7.0107% | 6,835 |
| Tier 1 risk-based capital ratio | 11.0051% | 6,529 |
| Total risk-based capital ratio | 12.2628% | 6,515 |
| Memoranda: | ||
| Average total assets | $206,346,000 | 3,036 |
| Average earning assets | $168,059,500 | 3,316 |
| Average equity | $14,824,000 | 4,032 |
| Average total loans | $108,064,000 | 3,406 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 3,267 |
| Cost of funding earning assets | 1.6848% | 339 |
| Net interest margin | 3.2346% | 5,993 |
| Noninterest income to average assets | 1.1496% | 991 |
| Noninterest expense to average assets | 4.0127% | 1,023 |
| Loan and lease loss provision to assets | 0.6717% | 1,525 |
| Net operating income to assets | -1.0457% | 6,760 |
| Return on assets (ROA) | -0.5410% | 6,558 |
| Pretax return on assets | -0.4230% | 6,437 |
| Return on Equity (ROE) | -7.7302% | 6,663 |
| Retained earnings to average equity (ytd only) | -7.7302% | 6,608 |
| Net charge-offs to loans | 1.5146% | 1,060 |
| Credit loss provision to net charge-offs | 79.8960% | 4,461 |
| Earnings coverage of net charge-offs (x) | -0.3044% | 6,006 |
| Efficiency ratio | 106.8132% | 504 |
| Assets per employee ($millions) | 2.6778% | 6,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6854% | 1,086 |
| Loan loss allowance to noncurrent loans | 82.3908% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 7.8359% | 531 |
| Noncurrent loans to loans | 3.2593% | 1,988 |
| Net loans and leases to total assets | 51.0605% | 5,454 |
| Net loans and leases to deposits | 63.9774% | 5,010 |
| Net loans and leases to core deposits | 67.9912% | 5,029 |
| Total domestic deposits to total assets | 79.8101% | 5,793 |
| Equity capital to assets | 7.0364% | 6,955 |
| Core capital (leverage) ratio | 6.7928% | 6,921 |
| Tier 1 risk-based capital ratio | 10.9978% | 6,457 |
| Total risk-based capital ratio | 12.2607% | 6,436 |
| Memoranda: | ||
| Average total assets | $205,896,400 | 2,990 |
| Average earning assets | $165,955,000 | 3,313 |
| Average equity | $14,411,000 | 4,028 |
| Average total loans | $114,289,200 | 3,287 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9930% | 3,115 |
| Cost of funding earning assets | 1.7440% | 326 |
| Net interest margin | 3.2489% | 6,019 |
| Noninterest income to average assets | 1.1965% | 922 |
| Noninterest expense to average assets | 4.1627% | 829 |
| Loan and lease loss provision to assets | 0.8904% | 1,016 |
| Net operating income to assets | -1.4005% | 7,016 |
| Return on assets (ROA) | -0.8527% | 6,856 |
| Pretax return on assets | -0.6948% | 6,731 |
| Return on Equity (ROE) | -12.1991% | 6,954 |
| Retained earnings to average equity (ytd only) | -12.1991% | 6,925 |
| Net charge-offs to loans | 1.9896% | 640 |
| Credit loss provision to net charge-offs | 79.5125% | 4,153 |
| Earnings coverage of net charge-offs (x) | -0.3146% | 5,771 |
| Efficiency ratio | 109.2444% | 440 |
| Assets per employee ($millions) | 2.5734% | 6,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6531% | 1,199 |
| Loan loss allowance to noncurrent loans | 64.5289% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 8.9715% | 449 |
| Noncurrent loans to loans | 4.1115% | 1,609 |
| Net loans and leases to total assets | 52.3619% | 5,401 |
| Net loans and leases to deposits | 66.1987% | 4,873 |
| Net loans and leases to core deposits | 70.5594% | 4,881 |
| Total domestic deposits to total assets | 79.0980% | 5,966 |
| Equity capital to assets | 7.3229% | 6,977 |
| Core capital (leverage) ratio | 6.8296% | 6,997 |
| Tier 1 risk-based capital ratio | 10.6195% | 6,727 |
| Total risk-based capital ratio | 11.8809% | 6,710 |
| Memoranda: | ||
| Average total assets | $205,152,500 | 3,018 |
| Average earning assets | $165,055,250 | 3,336 |
| Average equity | $14,339,500 | 4,068 |
| Average total loans | $115,463,000 | 3,291 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1395% | 2,518 |
| Cost of funding earning assets | 1.8117% | 294 |
| Net interest margin | 3.3279% | 5,778 |
| Noninterest income to average assets | 1.3996% | 651 |
| Noninterest expense to average assets | 4.3150% | 736 |
| Loan and lease loss provision to assets | 1.2249% | 629 |
| Net operating income to assets | -1.4689% | 7,087 |
| Return on assets (ROA) | -0.9350% | 6,926 |
| Pretax return on assets | -0.9350% | 6,873 |
| Return on Equity (ROE) | -13.5944% | 7,029 |
| Retained earnings to average equity (ytd only) | -13.5944% | 6,994 |
| Net charge-offs to loans | 1.6166% | 905 |
| Credit loss provision to net charge-offs | 132.6638% | 2,303 |
| Earnings coverage of net charge-offs (x) | -0.2643% | 5,433 |
| Efficiency ratio | 105.9938% | 560 |
| Assets per employee ($millions) | 2.5846% | 6,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1922% | 770 |
| Loan loss allowance to noncurrent loans | 63.2911% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 9.6297% | 422 |
| Noncurrent loans to loans | 5.0437% | 1,293 |
| Net loans and leases to total assets | 52.8005% | 5,463 |
| Net loans and leases to deposits | 66.5983% | 4,908 |
| Net loans and leases to core deposits | 71.0764% | 4,944 |
| Total domestic deposits to total assets | 79.2820% | 6,014 |
| Equity capital to assets | 7.3256% | 7,025 |
| Core capital (leverage) ratio | 6.9659% | 7,008 |
| Tier 1 risk-based capital ratio | 10.3499% | 6,847 |
| Total risk-based capital ratio | 11.6165% | 6,834 |
| Memoranda: | ||
| Average total assets | $204,911,670 | 3,038 |
| Average earning assets | $164,490,330 | 3,365 |
| Average equity | $14,094,000 | 4,106 |
| Average total loans | $117,038,000 | 3,290 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1062% | 2,617 |
| Cost of funding earning assets | 1.9164% | 233 |
| Net interest margin | 3.1899% | 6,100 |
| Noninterest income to average assets | 1.5158% | 566 |
| Noninterest expense to average assets | 4.7514% | 451 |
| Loan and lease loss provision to assets | 1.1020% | 663 |
| Net operating income to assets | -1.7786% | 7,250 |
| Return on assets (ROA) | -0.9177% | 7,017 |
| Pretax return on assets | -0.9177% | 6,966 |
| Return on Equity (ROE) | -13.7977% | 7,124 |
| Retained earnings to average equity (ytd only) | -13.7977% | 7,006 |
| Net charge-offs to loans | 1.3661% | 1,011 |
| Credit loss provision to net charge-offs | 138.0835% | 2,029 |
| Earnings coverage of net charge-offs (x) | -0.8477% | 4,874 |
| Efficiency ratio | 116.6025% | 390 |
| Assets per employee ($millions) | 2.5220% | 6,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9503% | 958 |
| Loan loss allowance to noncurrent loans | 53.3106% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 10.1724% | 402 |
| Noncurrent loans to loans | 5.5342% | 1,179 |
| Net loans and leases to total assets | 55.4903% | 5,079 |
| Net loans and leases to deposits | 70.2938% | 4,306 |
| Net loans and leases to core deposits | 75.0815% | 4,415 |
| Total domestic deposits to total assets | 78.9406% | 6,203 |
| Equity capital to assets | 7.1202% | 7,047 |
| Core capital (leverage) ratio | 7.2647% | 6,881 |
| Tier 1 risk-based capital ratio | 10.4065% | 6,862 |
| Total risk-based capital ratio | 11.6692% | 6,838 |
| Memoranda: | ||
| Average total assets | $203,984,000 | 3,069 |
| Average earning assets | $163,643,500 | 3,394 |
| Average equity | $13,567,500 | 4,199 |
| Average total loans | $119,170,000 | 3,275 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2284% | 3,471 |
| Cost of funding earning assets | 1.9942% | 621 |
| Net interest margin | 3.2343% | 6,179 |
| Noninterest income to average assets | -0.1754% | 7,458 |
| Noninterest expense to average assets | 4.0011% | 1,161 |
| Loan and lease loss provision to assets | 1.3078% | 1,173 |
| Net operating income to assets | -2.8821% | 7,268 |
| Return on assets (ROA) | -2.6327% | 7,230 |
| Pretax return on assets | -2.6327% | 7,208 |
| Return on Equity (ROE) | -31.1214% | 7,249 |
| Retained earnings to average equity (ytd only) | -31.1214% | 7,237 |
| Net charge-offs to loans | 1.2467% | 1,799 |
| Credit loss provision to net charge-offs | 173.8007% | 1,934 |
| Earnings coverage of net charge-offs (x) | -2.0923% | 6,708 |
| Efficiency ratio | 146.1289% | 235 |
| Assets per employee ($millions) | 2.5147% | 6,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7078% | 1,155 |
| Loan loss allowance to noncurrent loans | 40.4399% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 10.1125% | 400 |
| Noncurrent loans to loans | 6.6958% | 874 |
| Net loans and leases to total assets | 58.0532% | 5,019 |
| Net loans and leases to deposits | 75.8666% | 3,865 |
| Net loans and leases to core deposits | 81.5661% | 3,964 |
| Total domestic deposits to total assets | 76.5201% | 6,566 |
| Equity capital to assets | 6.1810% | 7,317 |
| Core capital (leverage) ratio | 6.3232% | 7,238 |
| Tier 1 risk-based capital ratio | 9.1522% | 7,212 |
| Total risk-based capital ratio | 10.4147% | 7,213 |
| Memoranda: | ||
| Average total assets | $216,089,400 | 2,914 |
| Average earning assets | $173,856,600 | 3,208 |
| Average equity | $18,280,000 | 3,383 |
| Average total loans | $130,421,200 | 3,117 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3084% | 3,311 |
| Cost of funding earning assets | 1.9968% | 758 |
| Net interest margin | 3.3116% | 5,976 |
| Noninterest income to average assets | -0.0079% | 7,461 |
| Noninterest expense to average assets | 3.4691% | 2,117 |
| Loan and lease loss provision to assets | 0.8735% | 1,739 |
| Net operating income to assets | -1.7324% | 7,169 |
| Return on assets (ROA) | -1.4045% | 7,098 |
| Pretax return on assets | -1.3644% | 6,999 |
| Return on Equity (ROE) | -15.6254% | 7,128 |
| Retained earnings to average equity (ytd only) | -15.6254% | 7,101 |
| Net charge-offs to loans | 0.7579% | 2,529 |
| Credit loss provision to net charge-offs | 190.4509% | 1,886 |
| Earnings coverage of net charge-offs (x) | -1.7851% | 6,525 |
| Efficiency ratio | 130.8928% | 292 |
| Assets per employee ($millions) | 2.5583% | 6,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2309% | 1,739 |
| Loan loss allowance to noncurrent loans | 31.4257% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 10.2367% | 390 |
| Noncurrent loans to loans | 7.0989% | 779 |
| Net loans and leases to total assets | 57.2341% | 5,369 |
| Net loans and leases to deposits | 76.5704% | 4,077 |
| Net loans and leases to core deposits | 83.8350% | 3,971 |
| Total domestic deposits to total assets | 74.7470% | 6,823 |
| Equity capital to assets | 8.4461% | 6,340 |
| Core capital (leverage) ratio | 7.3390% | 6,981 |
| Tier 1 risk-based capital ratio | 10.8782% | 6,485 |
| Total risk-based capital ratio | 12.1360% | 6,455 |
| Memoranda: | ||
| Average total assets | $219,189,500 | 2,929 |
| Average earning assets | $175,943,250 | 3,215 |
| Average equity | $19,702,500 | 3,228 |
| Average total loans | $132,641,750 | 3,128 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4887% | 2,572 |
| Cost of funding earning assets | 2.0066% | 896 |
| Net interest margin | 3.4821% | 5,314 |
| Noninterest income to average assets | 1.4846% | 581 |
| Noninterest expense to average assets | 3.3972% | 2,270 |
| Loan and lease loss provision to assets | 0.2944% | 4,031 |
| Net operating income to assets | 0.5427% | 4,129 |
| Return on assets (ROA) | 0.5427% | 4,279 |
| Pretax return on assets | 0.5761% | 4,644 |
| Return on Equity (ROE) | 5.9235% | 3,838 |
| Retained earnings to average equity (ytd only) | 5.9235% | 2,374 |
| Net charge-offs to loans | 0.7118% | 2,436 |
| Credit loss provision to net charge-offs | 67.6349% | 5,028 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,021 |
| Efficiency ratio | 79.6022% | 2,493 |
| Assets per employee ($millions) | 2.7297% | 6,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 4,111 |
| Loan loss allowance to noncurrent loans | 17.4607% | 7,054 |
| Noncurrent assets plus other real estate owned to assets | 10.9232% | 329 |
| Noncurrent loans to loans | 8.3699% | 603 |
| Net loans and leases to total assets | 59.0067% | 5,247 |
| Net loans and leases to deposits | 79.3504% | 3,722 |
| Net loans and leases to core deposits | 89.3121% | 3,370 |
| Total domestic deposits to total assets | 74.3622% | 6,935 |
| Equity capital to assets | 9.5691% | 4,602 |
| Core capital (leverage) ratio | 8.5876% | 5,257 |
| Tier 1 risk-based capital ratio | 11.2400% | 6,010 |
| Total risk-based capital ratio | 12.3925% | 6,088 |
| Memoranda: | ||
| Average total assets | $221,474,330 | 2,918 |
| Average earning assets | $177,017,330 | 3,229 |
| Average equity | $20,292,000 | 3,138 |
| Average total loans | $135,422,000 | 3,092 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5942% | 2,172 |
| Cost of funding earning assets | 2.0261% | 1,008 |
| Net interest margin | 3.5681% | 4,864 |
| Noninterest income to average assets | 1.4094% | 608 |
| Noninterest expense to average assets | 3.4233% | 2,170 |
| Loan and lease loss provision to assets | 0.2743% | 3,834 |
| Net operating income to assets | 0.5396% | 4,185 |
| Return on assets (ROA) | 0.5396% | 4,324 |
| Pretax return on assets | 0.5721% | 4,707 |
| Return on Equity (ROE) | 6.0225% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.0225% | 2,615 |
| Net charge-offs to loans | 0.4908% | 2,591 |
| Credit loss provision to net charge-offs | 90.4762% | 3,651 |
| Earnings coverage of net charge-offs (x) | 2.7917% | 3,151 |
| Efficiency ratio | 80.1775% | 2,544 |
| Assets per employee ($millions) | 2.6535% | 6,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 3,772 |
| Loan loss allowance to noncurrent loans | 21.6597% | 6,928 |
| Noncurrent assets plus other real estate owned to assets | 10.2212% | 381 |
| Noncurrent loans to loans | 7.0444% | 841 |
| Net loans and leases to total assets | 60.8067% | 4,973 |
| Net loans and leases to deposits | 81.8052% | 3,316 |
| Net loans and leases to core deposits | 92.0843% | 3,096 |
| Total domestic deposits to total assets | 74.3311% | 7,000 |
| Equity capital to assets | 9.1541% | 5,057 |
| Core capital (leverage) ratio | 8.5213% | 5,338 |
| Tier 1 risk-based capital ratio | 10.9988% | 6,158 |
| Total risk-based capital ratio | 12.2223% | 6,154 |
| Memoranda: | ||
| Average total assets | $221,658,000 | 2,969 |
| Average earning assets | $177,684,500 | 3,288 |
| Average equity | $19,859,000 | 3,217 |
| Average total loans | $136,931,500 | 3,130 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7278% | 2,972 |
| Cost of funding earning assets | 2.2132% | 1,973 |
| Net interest margin | 3.5145% | 4,890 |
| Noninterest income to average assets | 1.0000% | 1,572 |
| Noninterest expense to average assets | 3.4075% | 2,650 |
| Loan and lease loss provision to assets | 1.1194% | 2,044 |
| Net operating income to assets | -0.6017% | 6,268 |
| Return on assets (ROA) | -1.4288% | 6,824 |
| Pretax return on assets | -1.5295% | 6,722 |
| Return on Equity (ROE) | -15.9461% | 6,985 |
| Retained earnings to average equity (ytd only) | -15.9461% | 6,934 |
| Net charge-offs to loans | 1.8127% | 1,380 |
| Credit loss provision to net charge-offs | 96.2894% | 5,765 |
| Earnings coverage of net charge-offs (x) | 0.4123% | 5,700 |
| Efficiency ratio | 87.6682% | 1,915 |
| Assets per employee ($millions) | 2.6557% | 6,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 3,641 |
| Loan loss allowance to noncurrent loans | 21.1191% | 7,012 |
| Noncurrent assets plus other real estate owned to assets | 10.0763% | 365 |
| Noncurrent loans to loans | 7.1815% | 761 |
| Net loans and leases to total assets | 60.8655% | 5,209 |
| Net loans and leases to deposits | 81.2219% | 3,757 |
| Net loans and leases to core deposits | 100.2133% | 3,974 |
| Total domestic deposits to total assets | 74.9374% | 6,873 |
| Equity capital to assets | 8.7669% | 5,487 |
| Core capital (leverage) ratio | 8.3061% | 5,602 |
| Tier 1 risk-based capital ratio | 10.7601% | 6,147 |
| Total risk-based capital ratio | 11.9804% | 6,155 |
| Memoranda: | ||
| Average total assets | $229,493,200 | 2,830 |
| Average earning assets | $188,502,400 | 3,106 |
| Average equity | $20,563,000 | 3,131 |
| Average total loans | $147,181,800 | 2,966 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8263% | 2,776 |
| Cost of funding earning assets | 2.2442% | 2,211 |
| Net interest margin | 3.5821% | 4,549 |
| Noninterest income to average assets | 1.3247% | 876 |
| Noninterest expense to average assets | 3.2234% | 3,223 |
| Loan and lease loss provision to assets | 1.1285% | 1,731 |
| Net operating income to assets | -0.0658% | 5,835 |
| Return on assets (ROA) | -1.1602% | 6,942 |
| Pretax return on assets | -1.2318% | 6,829 |
| Return on Equity (ROE) | -12.8817% | 7,066 |
| Retained earnings to average equity (ytd only) | -12.8817% | 7,001 |
| Net charge-offs to loans | 0.4842% | 3,295 |
| Credit loss provision to net charge-offs | 360.2210% | 1,133 |
| Earnings coverage of net charge-offs (x) | 3.3868% | 3,552 |
| Efficiency ratio | 75.2357% | 3,648 |
| Assets per employee ($millions) | 2.5392% | 7,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5039% | 1,055 |
| Loan loss allowance to noncurrent loans | 28.6418% | 6,560 |
| Noncurrent assets plus other real estate owned to assets | 10.6108% | 302 |
| Noncurrent loans to loans | 8.7420% | 523 |
| Net loans and leases to total assets | 63.5258% | 4,969 |
| Net loans and leases to deposits | 86.0158% | 3,312 |
| Net loans and leases to core deposits | 107.4073% | 3,543 |
| Total domestic deposits to total assets | 73.8537% | 6,977 |
| Equity capital to assets | 9.5348% | 4,701 |
| Core capital (leverage) ratio | 9.0001% | 4,649 |
| Tier 1 risk-based capital ratio | 11.4613% | 5,469 |
| Total risk-based capital ratio | 12.7218% | 5,400 |
| Memoranda: | ||
| Average total assets | $231,097,250 | 2,830 |
| Average earning assets | $190,947,000 | 3,103 |
| Average equity | $20,814,500 | 3,124 |
| Average total loans | $149,510,250 | 2,962 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8952% | 2,605 |
| Cost of funding earning assets | 2.2752% | 2,463 |
| Net interest margin | 3.6200% | 4,282 |
| Noninterest income to average assets | 1.3723% | 811 |
| Noninterest expense to average assets | 3.2154% | 3,293 |
| Loan and lease loss provision to assets | 0.6900% | 2,360 |
| Net operating income to assets | 0.4478% | 4,301 |
| Return on assets (ROA) | 0.4478% | 4,404 |
| Pretax return on assets | 0.4699% | 4,717 |
| Return on Equity (ROE) | 5.0647% | 4,052 |
| Retained earnings to average equity (ytd only) | 5.0647% | 2,474 |
| Net charge-offs to loans | 0.3211% | 3,575 |
| Credit loss provision to net charge-offs | 332.9218% | 1,399 |
| Earnings coverage of net charge-offs (x) | 5.5967% | 2,802 |
| Efficiency ratio | 73.4893% | 4,111 |
| Assets per employee ($millions) | 2.5942% | 7,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 1,920 |
| Loan loss allowance to noncurrent loans | 32.4811% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 8.5841% | 411 |
| Noncurrent loans to loans | 5.6890% | 998 |
| Net loans and leases to total assets | 64.8855% | 4,783 |
| Net loans and leases to deposits | 87.1182% | 3,334 |
| Net loans and leases to core deposits | 108.1670% | 3,592 |
| Total domestic deposits to total assets | 74.4798% | 6,871 |
| Equity capital to assets | 9.3121% | 4,849 |
| Core capital (leverage) ratio | 10.0052% | 3,296 |
| Tier 1 risk-based capital ratio | 12.5078% | 4,515 |
| Total risk-based capital ratio | 13.7607% | 4,432 |
| Memoranda: | ||
| Average total assets | $234,494,000 | 2,808 |
| Average earning assets | $194,530,330 | 3,081 |
| Average equity | $20,731,670 | 3,132 |
| Average total loans | $151,368,000 | 2,954 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8848% | 2,873 |
| Cost of funding earning assets | 2.3507% | 2,505 |
| Net interest margin | 3.5341% | 4,595 |
| Noninterest income to average assets | 1.1955% | 1,016 |
| Noninterest expense to average assets | 3.1043% | 3,358 |
| Loan and lease loss provision to assets | 0.5592% | 2,242 |
| Net operating income to assets | 0.4454% | 4,670 |
| Return on assets (ROA) | 0.4454% | 4,843 |
| Pretax return on assets | 0.4672% | 5,186 |
| Return on Equity (ROE) | 5.1678% | 4,396 |
| Retained earnings to average equity (ytd only) | 5.1678% | 3,030 |
| Net charge-offs to loans | 0.4460% | 2,332 |
| Credit loss provision to net charge-offs | 196.4706% | 2,255 |
| Earnings coverage of net charge-offs (x) | 3.6059% | 3,122 |
| Efficiency ratio | 75.1520% | 3,629 |
| Assets per employee ($millions) | 2.5678% | 7,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 2,685 |
| Loan loss allowance to noncurrent loans | 24.8733% | 6,912 |
| Noncurrent assets plus other real estate owned to assets | 9.0687% | 273 |
| Noncurrent loans to loans | 6.2726% | 729 |
| Net loans and leases to total assets | 65.0182% | 4,807 |
| Net loans and leases to deposits | 86.5585% | 3,542 |
| Net loans and leases to core deposits | 107.9039% | 3,696 |
| Total domestic deposits to total assets | 75.1148% | 6,689 |
| Equity capital to assets | 8.7274% | 5,725 |
| Core capital (leverage) ratio | 9.3726% | 4,139 |
| Tier 1 risk-based capital ratio | 11.9252% | 5,022 |
| Total risk-based capital ratio | 13.1752% | 4,929 |
| Memoranda: | ||
| Average total assets | $238,893,000 | 2,779 |
| Average earning assets | $198,410,500 | 3,036 |
| Average equity | $20,589,000 | 3,171 |
| Average total loans | $152,451,500 | 2,966 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6695% | 2,158 |
| Cost of funding earning assets | 2.9029% | 2,257 |
| Net interest margin | 3.7667% | 4,150 |
| Noninterest income to average assets | 1.3040% | 862 |
| Noninterest expense to average assets | 3.1800% | 3,414 |
| Loan and lease loss provision to assets | 1.0003% | 1,474 |
| Net operating income to assets | 0.2154% | 5,805 |
| Return on assets (ROA) | 0.3636% | 5,097 |
| Pretax return on assets | 0.3998% | 5,259 |
| Return on Equity (ROE) | 3.9589% | 4,840 |
| Retained earnings to average equity (ytd only) | -6.3326% | 6,704 |
| Net charge-offs to loans | 1.3415% | 876 |
| Credit loss provision to net charge-offs | 116.1607% | 4,643 |
| Earnings coverage of net charge-offs (x) | 1.4367% | 5,394 |
| Efficiency ratio | 71.6900% | 3,996 |
| Assets per employee ($millions) | 2.7390% | 6,704 |
| Cash dividends to net income (ytd only)* | 259.9558% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 3,065 |
| Loan loss allowance to noncurrent loans | 28.0502% | 6,831 |
| Noncurrent assets plus other real estate owned to assets | 8.3353% | 267 |
| Noncurrent loans to loans | 5.0734% | 858 |
| Net loans and leases to total assets | 60.8895% | 5,784 |
| Net loans and leases to deposits | 84.3911% | 4,361 |
| Net loans and leases to core deposits | 104.9259% | 4,309 |
| Total domestic deposits to total assets | 72.1516% | 6,971 |
| Equity capital to assets | 8.5187% | 6,055 |
| Core capital (leverage) ratio | 8.4467% | 5,663 |
| Tier 1 risk-based capital ratio | 11.3560% | 5,379 |
| Total risk-based capital ratio | 12.4983% | 5,375 |
| Memoranda: | ||
| Average total assets | $248,616,600 | 2,572 |
| Average earning assets | $205,487,600 | 2,830 |
| Average equity | $22,834,400 | 2,865 |
| Average total loans | $159,591,600 | 2,775 |