Home > First Northern Bank of Dixon > Performance and Condition Ratios
First Northern Bank of Dixon, 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 | 4.4285% | 3,967 |
| Cost of funding earning assets | 0.8084% | 4,134 |
| Net interest margin | 3.6202% | 2,040 |
| Noninterest income to average assets | 0.3200% | 2,730 |
| Noninterest expense to average assets | 2.4519% | 2,451 |
| Loan and lease loss provision to assets | 0.1800% | 680 |
| Net operating income to assets | 0.7954% | 2,852 |
| Return on assets (ROA) | 0.7865% | 2,878 |
| Pretax return on assets | 1.0624% | 2,591 |
| Return on Equity (ROE) | 8.2500% | 2,801 |
| Retained earnings to average equity (ytd only) | 1.5658% | 3,400 |
| Net charge-offs to loans | -0.0189% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 65.0811% | 2,351 |
| Assets per employee ($millions) | 10.1916% | 746 |
| Cash dividends to net income (ytd only)* | 81.0154% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 876 |
| Loan loss allowance to noncurrent loans | 118.8030% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.8084% | 936 |
| Noncurrent loans to loans | 1.3158% | 783 |
| Net loans and leases to total assets | 55.5200% | 3,235 |
| Net loans and leases to deposits | 62.0591% | 3,380 |
| Net loans and leases to core deposits | 63.6532% | 3,555 |
| Total domestic deposits to total assets | 89.4700% | 1,000 |
| Equity capital to assets | 9.8326% | 2,327 |
| Core capital (leverage) ratio | 10.8536% | 2,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3450% | 994 |
| Memoranda: | ||
| Average total assets | $1,883,265,000 | 622 |
| Average earning assets | $1,761,574,500 | 614 |
| Average equity | $179,591,000 | 646 |
| Average total loans | $1,060,241,000 | 737 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 106,151.0000% | 14 |
| Cost of funding earning assets | -250.0000% | 4,514 |
| Net interest margin | 0.0000% | 4,448 |
| Noninterest income to average assets | 30,000.0000% | 1 |
| Noninterest expense to average assets | 0.0030% | 4,465 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | 0.0000% | 4,165 |
| Return on assets (ROA) | 1.0698% | 1,849 |
| Pretax return on assets | 1.4870% | 1,302 |
| Return on Equity (ROE) | 12.1300% | 1,578 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,901 |
| Net charge-offs to loans | 28.0000% | 18 |
| Credit loss provision to net charge-offs | 4.0000% | 2,527 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 2,942 |
| Efficiency ratio | 3,645.0000% | 22 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 1.0706% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7,828.0000% | 6 |
| Loan loss allowance to noncurrent loans | 114,329,000.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 5,000.0000% | 1 |
| Net loans and leases to total assets | 0.0000% | 4,378 |
| Net loans and leases to deposits | 0.0000% | 4,387 |
| Net loans and leases to core deposits | 0.0001% | 4,399 |
| Total domestic deposits to total assets | 12.3509% | 4,384 |
| Equity capital to assets | 196,751,000.0000% | 1 |
| Core capital (leverage) ratio | 0.0000% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $16,290,000,000 | 119 |
| Average earning assets | $2,730 | 4,485 |
| Average equity | $0 | 4,450 |
| Average total loans | $0 | 4,379 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 3,982 |
| Cost of funding earning assets | 0.7900% | 4,203 |
| Net interest margin | 3.5884% | 1,856 |
| Noninterest income to average assets | 0.3300% | 2,850 |
| Noninterest expense to average assets | 2.2670% | 2,896 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 1.0199% | 1,985 |
| Return on assets (ROA) | 1.0113% | 2,013 |
| Pretax return on assets | 1.4049% | 1,495 |
| Return on Equity (ROE) | 11.6100% | 1,730 |
| Retained earnings to average equity (ytd only) | 9.1847% | 1,066 |
| Net charge-offs to loans | 0.0719% | 1,189 |
| Credit loss provision to net charge-offs | 69.6864% | 1,924 |
| Earnings coverage of net charge-offs (x) | 35.3902% | 1,412 |
| Efficiency ratio | 60.1466% | 3,143 |
| Assets per employee ($millions) | 10.0545% | 752 |
| Cash dividends to net income (ytd only)* | 20.8812% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 935 |
| Loan loss allowance to noncurrent loans | 404.1841% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 2,408 |
| Noncurrent loans to loans | 0.3838% | 2,123 |
| Net loans and leases to total assets | 53.9900% | 3,406 |
| Net loans and leases to deposits | 60.1082% | 3,584 |
| Net loans and leases to core deposits | 62.1821% | 3,710 |
| Total domestic deposits to total assets | 89.8300% | 636 |
| Equity capital to assets | 9.3122% | 2,809 |
| Core capital (leverage) ratio | 10.3462% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2590% | 1,049 |
| Memoranda: | ||
| Average total assets | $1,894,184,500 | 600 |
| Average earning assets | $1,777,399,000 | 590 |
| Average equity | $165,010,250 | 656 |
| Average total loans | $1,064,442,000 | 720 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 4,011 |
| Cost of funding earning assets | 0.7633% | 4,212 |
| Net interest margin | 3.5528% | 1,865 |
| Noninterest income to average assets | 0.3300% | 2,813 |
| Noninterest expense to average assets | 2.2668% | 2,882 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 0.9458% | 2,166 |
| Return on assets (ROA) | 0.9391% | 2,194 |
| Pretax return on assets | 1.3016% | 1,696 |
| Return on Equity (ROE) | 11.0400% | 1,870 |
| Retained earnings to average equity (ytd only) | 7.2921% | 1,571 |
| Net charge-offs to loans | 0.0979% | 878 |
| Credit loss provision to net charge-offs | 181.9923% | 1,088 |
| Earnings coverage of net charge-offs (x) | 25.0556% | 1,504 |
| Efficiency ratio | 60.7887% | 3,134 |
| Assets per employee ($millions) | 9.8837% | 749 |
| Cash dividends to net income (ytd only)* | 33.9482% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5963% | 871 |
| Loan loss allowance to noncurrent loans | 250.1690% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 1,726 |
| Noncurrent loans to loans | 0.6381% | 1,452 |
| Net loans and leases to total assets | 55.5900% | 3,299 |
| Net loans and leases to deposits | 61.3517% | 3,508 |
| Net loans and leases to core deposits | 63.7680% | 3,632 |
| Total domestic deposits to total assets | 90.6100% | 543 |
| Equity capital to assets | 8.5853% | 3,043 |
| Core capital (leverage) ratio | 10.1832% | 2,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6911% | 1,139 |
| Memoranda: | ||
| Average total assets | $1,882,091,000 | 606 |
| Average earning assets | $1,764,227,667 | 595 |
| Average equity | $160,090,667 | 670 |
| Average total loans | $1,066,347,333 | 723 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2163% | 4,056 |
| Cost of funding earning assets | 0.7233% | 4,234 |
| Net interest margin | 3.4930% | 1,914 |
| Noninterest income to average assets | 0.3300% | 2,750 |
| Noninterest expense to average assets | 2.3712% | 2,592 |
| Loan and lease loss provision to assets | -0.0600% | 4,366 |
| Net operating income to assets | 0.9302% | 2,149 |
| Return on assets (ROA) | 0.9231% | 2,183 |
| Pretax return on assets | 1.2833% | 1,678 |
| Return on Equity (ROE) | 10.9000% | 1,880 |
| Retained earnings to average equity (ytd only) | 10.9038% | 929 |
| Net charge-offs to loans | 0.0375% | 1,164 |
| Credit loss provision to net charge-offs | -250.0000% | 4,508 |
| Earnings coverage of net charge-offs (x) | 57.7100% | 910 |
| Efficiency ratio | 64.6266% | 2,735 |
| Assets per employee ($millions) | 9.3874% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 1,000 |
| Loan loss allowance to noncurrent loans | 184.9499% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4655% | 1,350 |
| Noncurrent loans to loans | 0.8259% | 1,068 |
| Net loans and leases to total assets | 55.5000% | 3,233 |
| Net loans and leases to deposits | 61.2299% | 3,440 |
| Net loans and leases to core deposits | 64.1983% | 3,585 |
| Total domestic deposits to total assets | 90.6500% | 612 |
| Equity capital to assets | 8.5081% | 3,020 |
| Core capital (leverage) ratio | 10.1086% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5429% | 1,162 |
| Memoranda: | ||
| Average total assets | $1,879,241,000 | 616 |
| Average earning assets | $1,759,168,000 | 604 |
| Average equity | $159,100,000 | 677 |
| Average total loans | $1,066,301,500 | 719 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1934% | 3,635 |
| Cost of funding earning assets | 0.4291% | 4,265 |
| Net interest margin | 3.7643% | 1,618 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.2897% | 2,878 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1551% | 1,769 |
| Return on assets (ROA) | 1.1505% | 1,751 |
| Pretax return on assets | 1.5829% | 1,268 |
| Return on Equity (ROE) | 15.8400% | 1,128 |
| Retained earnings to average equity (ytd only) | 15.8415% | 279 |
| Net charge-offs to loans | 0.0142% | 2,123 |
| Credit loss provision to net charge-offs | 787.6712% | 484 |
| Earnings coverage of net charge-offs (x) | 213.4658% | 566 |
| Efficiency ratio | 57.0514% | 3,391 |
| Assets per employee ($millions) | 9.2197% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 934 |
| Loan loss allowance to noncurrent loans | 199.1361% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 1,247 |
| Noncurrent loans to loans | 0.7796% | 994 |
| Net loans and leases to total assets | 56.2300% | 3,171 |
| Net loans and leases to deposits | 62.1362% | 3,400 |
| Net loans and leases to core deposits | 64.6679% | 3,555 |
| Total domestic deposits to total assets | 90.5000% | 631 |
| Equity capital to assets | 8.4239% | 3,105 |
| Core capital (leverage) ratio | 9.6934% | 3,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0426% | 1,263 |
| Memoranda: | ||
| Average total assets | $1,892,370,400 | 600 |
| Average earning assets | $1,767,618,000 | 585 |
| Average equity | $137,430,200 | 721 |
| Average total loans | $1,026,400,000 | 710 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0966% | 3,667 |
| Cost of funding earning assets | 0.3624% | 4,299 |
| Net interest margin | 3.7342% | 1,715 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.2690% | 2,890 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 1.0464% | 2,229 |
| Return on assets (ROA) | 1.0429% | 2,228 |
| Pretax return on assets | 1.4333% | 1,707 |
| Return on Equity (ROE) | 14.9500% | 1,445 |
| Retained earnings to average equity (ytd only) | 14.9494% | 562 |
| Net charge-offs to loans | 0.3535% | 245 |
| Credit loss provision to net charge-offs | 120.6833% | 1,480 |
| Earnings coverage of net charge-offs (x) | 8.7497% | 2,181 |
| Efficiency ratio | 56.7352% | 3,336 |
| Assets per employee ($millions) | 9.2335% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 1,029 |
| Loan loss allowance to noncurrent loans | 263.9157% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 1,737 |
| Noncurrent loans to loans | 0.5808% | 1,376 |
| Net loans and leases to total assets | 54.5400% | 3,319 |
| Net loans and leases to deposits | 59.3719% | 3,541 |
| Net loans and leases to core deposits | 61.4406% | 3,636 |
| Total domestic deposits to total assets | 91.8600% | 481 |
| Equity capital to assets | 7.1108% | 3,563 |
| Core capital (leverage) ratio | 9.2143% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5589% | 1,418 |
| Memoranda: | ||
| Average total assets | $1,897,561,000 | 602 |
| Average earning assets | $1,772,273,000 | 583 |
| Average equity | $132,372,250 | 743 |
| Average total loans | $1,015,734,750 | 715 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 3,519 |
| Cost of funding earning assets | 0.2745% | 4,351 |
| Net interest margin | 3.8118% | 1,599 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.2653% | 2,900 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 1.0787% | 2,177 |
| Return on assets (ROA) | 1.0734% | 2,194 |
| Pretax return on assets | 1.4837% | 1,632 |
| Return on Equity (ROE) | 15.4900% | 1,367 |
| Retained earnings to average equity (ytd only) | 15.4872% | 520 |
| Net charge-offs to loans | 0.5210% | 158 |
| Credit loss provision to net charge-offs | 99.5025% | 1,465 |
| Earnings coverage of net charge-offs (x) | 6.4026% | 2,126 |
| Efficiency ratio | 55.2243% | 3,508 |
| Assets per employee ($millions) | 9.3799% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5062% | 1,158 |
| Loan loss allowance to noncurrent loans | 237.0872% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.3434% | 1,540 |
| Noncurrent loans to loans | 0.6353% | 1,172 |
| Net loans and leases to total assets | 53.2400% | 3,326 |
| Net loans and leases to deposits | 57.8881% | 3,542 |
| Net loans and leases to core deposits | 59.7182% | 3,649 |
| Total domestic deposits to total assets | 91.9700% | 417 |
| Equity capital to assets | 7.0859% | 3,745 |
| Core capital (leverage) ratio | 8.9922% | 3,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8076% | 1,359 |
| Memoranda: | ||
| Average total assets | $1,896,047,000 | 591 |
| Average earning assets | $1,771,479,333 | 575 |
| Average equity | $131,411,333 | 745 |
| Average total loans | $1,003,118,333 | 710 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 3,803 |
| Cost of funding earning assets | 0.2105% | 4,360 |
| Net interest margin | 3.6178% | 2,087 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.3771% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1732% | 2,011 |
| Return on assets (ROA) | 1.1735% | 1,974 |
| Pretax return on assets | 1.6188% | 1,419 |
| Return on Equity (ROE) | 17.1300% | 1,155 |
| Retained earnings to average equity (ytd only) | 17.1262% | 583 |
| Net charge-offs to loans | 0.0437% | 922 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 70.7037% | 947 |
| Efficiency ratio | 58.6940% | 3,109 |
| Assets per employee ($millions) | 9.5164% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5639% | 1,084 |
| Loan loss allowance to noncurrent loans | 180.9301% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 1,138 |
| Noncurrent loans to loans | 0.8643% | 877 |
| Net loans and leases to total assets | 51.2100% | 3,405 |
| Net loans and leases to deposits | 55.6228% | 3,588 |
| Net loans and leases to core deposits | 56.0200% | 3,740 |
| Total domestic deposits to total assets | 92.0600% | 498 |
| Equity capital to assets | 7.0741% | 3,795 |
| Core capital (leverage) ratio | 8.6437% | 4,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8281% | 1,413 |
| Memoranda: | ||
| Average total assets | $1,887,322,500 | 605 |
| Average earning assets | $1,766,907,000 | 587 |
| Average equity | $129,322,500 | 767 |
| Average total loans | $987,522,000 | 732 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1455% | 3,911 |
| Cost of funding earning assets | 0.0668% | 4,518 |
| Net interest margin | 3.0787% | 3,233 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.0470% | 3,454 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.8565% | 3,126 |
| Return on assets (ROA) | 0.8501% | 3,082 |
| Pretax return on assets | 1.1602% | 2,566 |
| Return on Equity (ROE) | 12.4500% | 1,992 |
| Retained earnings to average equity (ytd only) | 12.4511% | 596 |
| Net charge-offs to loans | 0.0064% | 2,175 |
| Credit loss provision to net charge-offs | 1,500.0000% | 323 |
| Earnings coverage of net charge-offs (x) | 383.6833% | 404 |
| Efficiency ratio | 62.7377% | 2,668 |
| Assets per employee ($millions) | 9.7467% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 1,192 |
| Loan loss allowance to noncurrent loans | 172.4411% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.4584% | 1,108 |
| Noncurrent loans to loans | 0.8709% | 859 |
| Net loans and leases to total assets | 51.8400% | 3,371 |
| Net loans and leases to deposits | 56.1452% | 3,569 |
| Net loans and leases to core deposits | 56.4471% | 3,702 |
| Total domestic deposits to total assets | 92.3300% | 554 |
| Equity capital to assets | 6.6265% | 3,853 |
| Core capital (leverage) ratio | 8.6653% | 3,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9169% | 1,386 |
| Memoranda: | ||
| Average total assets | $1,893,516,400 | 589 |
| Average earning assets | $1,776,569,800 | 568 |
| Average equity | $129,281,600 | 756 |
| Average total loans | $934,700,800 | 726 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9614% | 3,961 |
| Cost of funding earning assets | 0.0517% | 4,572 |
| Net interest margin | 2.9096% | 3,472 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 1.9732% | 3,546 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.8032% | 3,251 |
| Return on assets (ROA) | 0.7948% | 3,236 |
| Pretax return on assets | 1.0766% | 2,791 |
| Return on Equity (ROE) | 11.5600% | 2,187 |
| Retained earnings to average equity (ytd only) | 11.5566% | 903 |
| Net charge-offs to loans | 0.0117% | 1,679 |
| Credit loss provision to net charge-offs | 1,111.1111% | 387 |
| Earnings coverage of net charge-offs (x) | 202.2963% | 617 |
| Efficiency ratio | 63.1701% | 2,663 |
| Assets per employee ($millions) | 10.2804% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 1,295 |
| Loan loss allowance to noncurrent loans | 166.3963% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 1,177 |
| Noncurrent loans to loans | 0.9003% | 867 |
| Net loans and leases to total assets | 50.2500% | 3,435 |
| Net loans and leases to deposits | 53.9432% | 3,607 |
| Net loans and leases to core deposits | 54.2499% | 3,727 |
| Total domestic deposits to total assets | 93.1600% | 538 |
| Equity capital to assets | 5.8189% | 4,026 |
| Core capital (leverage) ratio | 8.5018% | 4,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5414% | 1,555 |
| Memoranda: | ||
| Average total assets | $1,899,055,250 | 585 |
| Average earning assets | $1,780,653,000 | 565 |
| Average equity | $130,600,750 | 757 |
| Average total loans | $922,143,500 | 735 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8324% | 3,930 |
| Cost of funding earning assets | 0.0475% | 4,610 |
| Net interest margin | 2.7850% | 3,485 |
| Noninterest income to average assets | 0.3774% | 2,889 |
| Noninterest expense to average assets | 1.9349% | 3,615 |
| Loan and lease loss provision to assets | 0.0636% | 1,459 |
| Net operating income to assets | 0.7230% | 3,232 |
| Return on assets (ROA) | 0.7102% | 3,227 |
| Pretax return on assets | 0.9738% | 2,815 |
| Return on Equity (ROE) | 9.8122% | 2,400 |
| Retained earnings to average equity (ytd only) | 9.8122% | 1,068 |
| Net charge-offs to loans | 0.0615% | 785 |
| Credit loss provision to net charge-offs | 216.6065% | 938 |
| Earnings coverage of net charge-offs (x) | 35.8989% | 1,310 |
| Efficiency ratio | 64.7476% | 2,674 |
| Assets per employee ($millions) | 10.1977% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 1,383 |
| Loan loss allowance to noncurrent loans | 131.6760% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.5716% | 987 |
| Noncurrent loans to loans | 1.1457% | 707 |
| Net loans and leases to total assets | 49.1327% | 3,460 |
| Net loans and leases to deposits | 53.1929% | 3,590 |
| Net loans and leases to core deposits | 53.5113% | 3,726 |
| Total domestic deposits to total assets | 92.3669% | 702 |
| Equity capital to assets | 6.6608% | 3,949 |
| Core capital (leverage) ratio | 8.4381% | 4,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5358% | 1,561 |
| Memoranda: | ||
| Average total assets | $1,887,836,000 | 580 |
| Average earning assets | $1,769,935,000 | 565 |
| Average equity | $136,646,667 | 740 |
| Average total loans | $900,851,333 | 738 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6815% | 3,982 |
| Cost of funding earning assets | 0.0473% | 4,619 |
| Net interest margin | 2.6342% | 3,571 |
| Noninterest income to average assets | 0.4074% | 2,636 |
| Noninterest expense to average assets | 1.9198% | 3,637 |
| Loan and lease loss provision to assets | 0.0637% | 1,269 |
| Net operating income to assets | 0.6552% | 3,215 |
| Return on assets (ROA) | 0.6552% | 3,194 |
| Pretax return on assets | 0.8956% | 2,793 |
| Return on Equity (ROE) | 8.7024% | 2,436 |
| Retained earnings to average equity (ytd only) | 8.7024% | 1,366 |
| Net charge-offs to loans | -0.0027% | 3,161 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6790% | 2,679 |
| Assets per employee ($millions) | 9.9874% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 1,258 |
| Loan loss allowance to noncurrent loans | 153.5926% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.4970% | 1,207 |
| Noncurrent loans to loans | 1.0447% | 867 |
| Net loans and leases to total assets | 46.8158% | 3,503 |
| Net loans and leases to deposits | 50.9309% | 3,652 |
| Net loans and leases to core deposits | 51.2517% | 3,787 |
| Total domestic deposits to total assets | 91.9201% | 607 |
| Equity capital to assets | 7.1406% | 4,135 |
| Core capital (leverage) ratio | 8.3711% | 3,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1120% | 1,478 |
| Memoranda: | ||
| Average total assets | $1,883,368,500 | 585 |
| Average earning assets | $1,767,213,500 | 567 |
| Average equity | $141,800,000 | 738 |
| Average total loans | $878,172,500 | 743 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7263% | 4,287 |
| Cost of funding earning assets | 0.0527% | 4,676 |
| Net interest margin | 2.6736% | 3,924 |
| Noninterest income to average assets | 0.4445% | 2,839 |
| Noninterest expense to average assets | 1.9764% | 3,750 |
| Loan and lease loss provision to assets | -0.0825% | 4,486 |
| Net operating income to assets | 0.7996% | 3,332 |
| Return on assets (ROA) | 0.7900% | 3,433 |
| Pretax return on assets | 1.0823% | 3,026 |
| Return on Equity (ROE) | 9.6521% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.6444% | 1,301 |
| Net charge-offs to loans | -0.0040% | 3,505 |
| Credit loss provision to net charge-offs | 4,166.6667% | 169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1367% | 2,239 |
| Assets per employee ($millions) | 9.9952% | 666 |
| Cash dividends to net income (ytd only)* | 10.4406% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 1,239 |
| Loan loss allowance to noncurrent loans | 136.8246% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 1,239 |
| Noncurrent loans to loans | 1.1751% | 820 |
| Net loans and leases to total assets | 44.9574% | 3,770 |
| Net loans and leases to deposits | 49.3807% | 3,924 |
| Net loans and leases to core deposits | 49.6968% | 4,025 |
| Total domestic deposits to total assets | 91.0424% | 481 |
| Equity capital to assets | 7.9111% | 4,412 |
| Core capital (leverage) ratio | 7.9240% | 4,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7862% | 1,317 |
| Memoranda: | ||
| Average total assets | $1,818,691,800 | 582 |
| Average earning assets | $1,730,406,800 | 562 |
| Average equity | $148,848,200 | 719 |
| Average total loans | $892,751,600 | 730 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7601% | 4,348 |
| Cost of funding earning assets | 0.0535% | 4,761 |
| Net interest margin | 2.7066% | 3,956 |
| Noninterest income to average assets | 0.4598% | 2,798 |
| Noninterest expense to average assets | 1.9936% | 3,697 |
| Loan and lease loss provision to assets | -0.1112% | 4,629 |
| Net operating income to assets | 0.8382% | 3,424 |
| Return on assets (ROA) | 0.8252% | 3,527 |
| Pretax return on assets | 1.1386% | 3,109 |
| Return on Equity (ROE) | 9.9948% | 2,736 |
| Retained earnings to average equity (ytd only) | 9.9948% | 1,313 |
| Net charge-offs to loans | -0.0126% | 3,770 |
| Credit loss provision to net charge-offs | 1,764.7059% | 357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6359% | 2,156 |
| Assets per employee ($millions) | 10.1823% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6675% | 1,181 |
| Loan loss allowance to noncurrent loans | 116.5973% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.6240% | 1,218 |
| Noncurrent loans to loans | 1.4302% | 744 |
| Net loans and leases to total assets | 42.9020% | 4,031 |
| Net loans and leases to deposits | 47.1353% | 4,162 |
| Net loans and leases to core deposits | 47.4980% | 4,261 |
| Total domestic deposits to total assets | 91.0190% | 364 |
| Equity capital to assets | 7.9285% | 4,554 |
| Core capital (leverage) ratio | 8.0542% | 4,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5937% | 1,220 |
| Memoranda: | ||
| Average total assets | $1,798,593,000 | 592 |
| Average earning assets | $1,712,809,000 | 573 |
| Average equity | $148,500,500 | 729 |
| Average total loans | $899,006,500 | 741 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7989% | 4,340 |
| Cost of funding earning assets | 0.0543% | 4,807 |
| Net interest margin | 2.7446% | 3,889 |
| Noninterest income to average assets | 0.4867% | 2,685 |
| Noninterest expense to average assets | 2.0175% | 3,646 |
| Loan and lease loss provision to assets | 0.0342% | 2,298 |
| Net operating income to assets | 0.7672% | 3,603 |
| Return on assets (ROA) | 0.7492% | 3,710 |
| Pretax return on assets | 1.0300% | 3,370 |
| Return on Equity (ROE) | 8.9438% | 3,111 |
| Retained earnings to average equity (ytd only) | 8.9438% | 1,727 |
| Net charge-offs to loans | 0.0734% | 911 |
| Credit loss provision to net charge-offs | 89.0208% | 1,440 |
| Earnings coverage of net charge-offs (x) | 28.3323% | 1,339 |
| Efficiency ratio | 64.9846% | 2,303 |
| Assets per employee ($millions) | 9.1272% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7291% | 1,005 |
| Loan loss allowance to noncurrent loans | 92.8852% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.9025% | 860 |
| Noncurrent loans to loans | 1.8615% | 546 |
| Net loans and leases to total assets | 47.6435% | 3,765 |
| Net loans and leases to deposits | 52.4473% | 3,968 |
| Net loans and leases to core deposits | 52.9055% | 4,092 |
| Total domestic deposits to total assets | 90.8406% | 422 |
| Equity capital to assets | 8.1305% | 4,464 |
| Core capital (leverage) ratio | 8.1762% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4950% | 1,227 |
| Memoranda: | ||
| Average total assets | $1,756,638,667 | 597 |
| Average earning assets | $1,675,488,667 | 576 |
| Average equity | $147,140,667 | 729 |
| Average total loans | $918,798,000 | 731 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7111% | 4,464 |
| Cost of funding earning assets | 0.0547% | 4,848 |
| Net interest margin | 2.6564% | 4,046 |
| Noninterest income to average assets | 0.5356% | 2,455 |
| Noninterest expense to average assets | 1.9662% | 3,816 |
| Loan and lease loss provision to assets | 0.0699% | 1,764 |
| Net operating income to assets | 0.7515% | 3,572 |
| Return on assets (ROA) | 0.7496% | 3,648 |
| Pretax return on assets | 1.0291% | 3,293 |
| Return on Equity (ROE) | 8.8113% | 3,100 |
| Retained earnings to average equity (ytd only) | 8.8113% | 2,016 |
| Net charge-offs to loans | 0.0013% | 1,896 |
| Credit loss provision to net charge-offs | 10,000.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 1,576.3333% | 52 |
| Efficiency ratio | 64.0981% | 2,451 |
| Assets per employee ($millions) | 8.7253% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 1,228 |
| Loan loss allowance to noncurrent loans | 92.1475% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.9580% | 874 |
| Noncurrent loans to loans | 1.7643% | 671 |
| Net loans and leases to total assets | 53.4174% | 3,299 |
| Net loans and leases to deposits | 59.0138% | 3,561 |
| Net loans and leases to core deposits | 59.5654% | 3,734 |
| Total domestic deposits to total assets | 90.5167% | 581 |
| Equity capital to assets | 8.1830% | 4,373 |
| Core capital (leverage) ratio | 8.3997% | 4,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1967% | 1,251 |
| Memoranda: | ||
| Average total assets | $1,717,670,000 | 603 |
| Average earning assets | $1,637,115,000 | 581 |
| Average equity | $146,130,500 | 726 |
| Average total loans | $933,479,500 | 716 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4131% | 4,173 |
| Cost of funding earning assets | 0.1037% | 4,855 |
| Net interest margin | 3.3094% | 3,045 |
| Noninterest income to average assets | 0.4954% | 2,650 |
| Noninterest expense to average assets | 2.3244% | 3,341 |
| Loan and lease loss provision to assets | 0.2012% | 1,950 |
| Net operating income to assets | 0.7983% | 3,100 |
| Return on assets (ROA) | 0.8137% | 3,160 |
| Pretax return on assets | 1.1153% | 2,630 |
| Return on Equity (ROE) | 8.8242% | 2,460 |
| Retained earnings to average equity (ytd only) | 8.8242% | 814 |
| Net charge-offs to loans | -0.0011% | 3,953 |
| Credit loss provision to net charge-offs | -30,500.0000% | 4,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1859% | 2,795 |
| Assets per employee ($millions) | 7.7354% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7121% | 1,014 |
| Loan loss allowance to noncurrent loans | 101.3477% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.9189% | 1,070 |
| Noncurrent loans to loans | 1.6893% | 764 |
| Net loans and leases to total assets | 53.4634% | 3,537 |
| Net loans and leases to deposits | 59.7094% | 3,787 |
| Net loans and leases to core deposits | 60.3052% | 3,926 |
| Total domestic deposits to total assets | 89.5393% | 757 |
| Equity capital to assets | 8.8564% | 4,179 |
| Core capital (leverage) ratio | 8.4097% | 4,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4949% | 1,153 |
| Memoranda: | ||
| Average total assets | $1,515,694,000 | 610 |
| Average earning assets | $1,431,668,000 | 591 |
| Average equity | $139,763,800 | 716 |
| Average total loans | $888,782,400 | 726 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4537% | 4,283 |
| Cost of funding earning assets | 0.1162% | 4,892 |
| Net interest margin | 3.3375% | 3,080 |
| Noninterest income to average assets | 0.4850% | 2,674 |
| Noninterest expense to average assets | 2.3536% | 3,276 |
| Loan and lease loss provision to assets | 0.2026% | 1,976 |
| Net operating income to assets | 0.7839% | 3,157 |
| Return on assets (ROA) | 0.8050% | 3,189 |
| Pretax return on assets | 1.1028% | 2,739 |
| Return on Equity (ROE) | 8.6341% | 2,554 |
| Retained earnings to average equity (ytd only) | 8.6341% | 1,100 |
| Net charge-offs to loans | 0.0226% | 2,398 |
| Credit loss provision to net charge-offs | 1,500.0000% | 617 |
| Earnings coverage of net charge-offs (x) | 94.6800% | 824 |
| Efficiency ratio | 64.7951% | 2,627 |
| Assets per employee ($millions) | 7.9491% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 1,479 |
| Loan loss allowance to noncurrent loans | 92.4474% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.9323% | 1,225 |
| Noncurrent loans to loans | 1.5876% | 889 |
| Net loans and leases to total assets | 57.8618% | 3,434 |
| Net loans and leases to deposits | 64.5775% | 3,749 |
| Net loans and leases to core deposits | 65.2022% | 3,941 |
| Total domestic deposits to total assets | 89.6006% | 551 |
| Equity capital to assets | 8.6170% | 4,391 |
| Core capital (leverage) ratio | 8.5360% | 4,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0884% | 1,231 |
| Memoranda: | ||
| Average total assets | $1,480,773,500 | 603 |
| Average earning assets | $1,396,408,000 | 589 |
| Average equity | $138,053,000 | 719 |
| Average total loans | $885,869,000 | 718 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5327% | 4,371 |
| Cost of funding earning assets | 0.1358% | 4,914 |
| Net interest margin | 3.3968% | 3,117 |
| Noninterest income to average assets | 0.4600% | 2,765 |
| Noninterest expense to average assets | 2.3950% | 3,273 |
| Loan and lease loss provision to assets | 0.2049% | 2,004 |
| Net operating income to assets | 0.7690% | 3,163 |
| Return on assets (ROA) | 0.7737% | 3,256 |
| Pretax return on assets | 1.0570% | 2,847 |
| Return on Equity (ROE) | 8.0578% | 2,724 |
| Retained earnings to average equity (ytd only) | 8.0578% | 1,283 |
| Net charge-offs to loans | 0.0410% | 1,918 |
| Credit loss provision to net charge-offs | 828.5714% | 904 |
| Earnings coverage of net charge-offs (x) | 50.7886% | 1,092 |
| Efficiency ratio | 65.5984% | 2,575 |
| Assets per employee ($millions) | 7.6765% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 1,695 |
| Loan loss allowance to noncurrent loans | 83.3394% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.0146% | 1,183 |
| Noncurrent loans to loans | 1.6429% | 892 |
| Net loans and leases to total assets | 60.9124% | 3,229 |
| Net loans and leases to deposits | 68.0989% | 3,557 |
| Net loans and leases to core deposits | 68.7461% | 3,809 |
| Total domestic deposits to total assets | 89.4469% | 595 |
| Equity capital to assets | 8.7561% | 4,306 |
| Core capital (leverage) ratio | 8.7460% | 4,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6872% | 1,320 |
| Memoranda: | ||
| Average total assets | $1,415,276,000 | 618 |
| Average earning assets | $1,329,531,333 | 602 |
| Average equity | $135,894,000 | 726 |
| Average total loans | $852,841,000 | 734 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8302% | 4,172 |
| Cost of funding earning assets | 0.1689% | 4,945 |
| Net interest margin | 3.6613% | 2,468 |
| Noninterest income to average assets | 0.4893% | 2,604 |
| Noninterest expense to average assets | 2.5867% | 3,016 |
| Loan and lease loss provision to assets | 0.1974% | 1,534 |
| Net operating income to assets | 0.8162% | 2,851 |
| Return on assets (ROA) | 0.8253% | 2,895 |
| Pretax return on assets | 1.1281% | 2,428 |
| Return on Equity (ROE) | 8.1552% | 2,453 |
| Retained earnings to average equity (ytd only) | 8.1552% | 1,185 |
| Net charge-offs to loans | 0.0701% | 1,326 |
| Credit loss provision to net charge-offs | 474.4526% | 911 |
| Earnings coverage of net charge-offs (x) | 31.5766% | 1,144 |
| Efficiency ratio | 66.3137% | 2,910 |
| Assets per employee ($millions) | 6.4171% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6550% | 943 |
| Loan loss allowance to noncurrent loans | 968.3220% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 4,126 |
| Noncurrent loans to loans | 0.1709% | 3,855 |
| Net loans and leases to total assets | 57.0186% | 3,752 |
| Net loans and leases to deposits | 64.4981% | 3,949 |
| Net loans and leases to core deposits | 65.2448% | 4,116 |
| Total domestic deposits to total assets | 88.4035% | 926 |
| Equity capital to assets | 10.2266% | 3,577 |
| Core capital (leverage) ratio | 10.0567% | 3,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1808% | 1,558 |
| Memoranda: | ||
| Average total assets | $1,316,885,500 | 637 |
| Average earning assets | $1,226,992,500 | 621 |
| Average equity | $133,264,000 | 734 |
| Average total loans | $781,475,000 | 763 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1822% | 3,852 |
| Cost of funding earning assets | 0.1587% | 5,035 |
| Net interest margin | 4.0235% | 1,777 |
| Noninterest income to average assets | 0.5732% | 2,352 |
| Noninterest expense to average assets | 2.6822% | 2,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1859% | 2,110 |
| Return on assets (ROA) | 1.1857% | 2,210 |
| Pretax return on assets | 1.6429% | 1,356 |
| Return on Equity (ROE) | 12.3868% | 1,369 |
| Retained earnings to average equity (ytd only) | 12.3868% | 212 |
| Net charge-offs to loans | 0.0609% | 2,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 44.2940% | 1,221 |
| Efficiency ratio | 62.0109% | 3,379 |
| Assets per employee ($millions) | 6.0401% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 1,039 |
| Loan loss allowance to noncurrent loans | 1,067.9343% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 4,187 |
| Noncurrent loans to loans | 0.1473% | 3,935 |
| Net loans and leases to total assets | 59.8026% | 3,603 |
| Net loans and leases to deposits | 67.6781% | 3,843 |
| Net loans and leases to core deposits | 68.6322% | 4,046 |
| Total domestic deposits to total assets | 88.3633% | 957 |
| Equity capital to assets | 10.0087% | 3,909 |
| Core capital (leverage) ratio | 9.9478% | 3,572 |
| Tier 1 risk-based capital ratio | 14.5805% | 2,972 |
| Total risk-based capital ratio | 15.8334% | 2,877 |
| Memoranda: | ||
| Average total assets | $1,256,173,400 | 631 |
| Average earning assets | $1,171,475,200 | 620 |
| Average equity | $120,248,800 | 759 |
| Average total loans | $765,407,000 | 743 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1784% | 3,969 |
| Cost of funding earning assets | 0.1499% | 5,121 |
| Net interest margin | 4.0285% | 1,838 |
| Noninterest income to average assets | 0.5693% | 2,359 |
| Noninterest expense to average assets | 2.6665% | 2,960 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2069% | 2,176 |
| Return on assets (ROA) | 1.2064% | 2,255 |
| Pretax return on assets | 1.6665% | 1,431 |
| Return on Equity (ROE) | 12.7534% | 1,372 |
| Retained earnings to average equity (ytd only) | 12.7534% | 308 |
| Net charge-offs to loans | 0.0938% | 1,534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 29.1456% | 1,653 |
| Efficiency ratio | 61.5301% | 3,400 |
| Assets per employee ($millions) | 6.1592% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5941% | 1,007 |
| Loan loss allowance to noncurrent loans | 993.2902% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 3,951 |
| Noncurrent loans to loans | 0.1605% | 3,968 |
| Net loans and leases to total assets | 58.9242% | 3,778 |
| Net loans and leases to deposits | 66.4542% | 4,031 |
| Net loans and leases to core deposits | 67.4647% | 4,195 |
| Total domestic deposits to total assets | 88.6690% | 759 |
| Equity capital to assets | 9.8001% | 4,215 |
| Core capital (leverage) ratio | 10.0306% | 3,613 |
| Tier 1 risk-based capital ratio | 13.9875% | 3,340 |
| Total risk-based capital ratio | 15.2401% | 3,255 |
| Memoranda: | ||
| Average total assets | $1,247,069,000 | 635 |
| Average earning assets | $1,165,258,750 | 620 |
| Average equity | $117,968,250 | 769 |
| Average total loans | $760,419,000 | 749 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2146% | 3,887 |
| Cost of funding earning assets | 0.1426% | 5,174 |
| Net interest margin | 4.0720% | 1,697 |
| Noninterest income to average assets | 0.5732% | 2,270 |
| Noninterest expense to average assets | 2.7027% | 2,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2163% | 2,086 |
| Return on assets (ROA) | 1.2156% | 2,149 |
| Pretax return on assets | 1.6789% | 1,320 |
| Return on Equity (ROE) | 13.0128% | 1,236 |
| Retained earnings to average equity (ytd only) | 13.0128% | 299 |
| Net charge-offs to loans | -0.0042% | 4,084 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6691% | 3,484 |
| Assets per employee ($millions) | 6.2868% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7218% | 782 |
| Loan loss allowance to noncurrent loans | 788.5749% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 3,794 |
| Noncurrent loans to loans | 0.2183% | 3,757 |
| Net loans and leases to total assets | 59.4678% | 3,786 |
| Net loans and leases to deposits | 66.9186% | 4,030 |
| Net loans and leases to core deposits | 67.9282% | 4,207 |
| Total domestic deposits to total assets | 88.8659% | 721 |
| Equity capital to assets | 9.8688% | 4,084 |
| Core capital (leverage) ratio | 9.9754% | 3,603 |
| Tier 1 risk-based capital ratio | 14.3415% | 3,145 |
| Total risk-based capital ratio | 15.5959% | 3,065 |
| Memoranda: | ||
| Average total assets | $1,233,671,000 | 642 |
| Average earning assets | $1,154,070,000 | 630 |
| Average equity | $115,240,000 | 781 |
| Average total loans | $756,959,670 | 756 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 3,932 |
| Cost of funding earning assets | 0.1286% | 5,246 |
| Net interest margin | 4.0494% | 1,689 |
| Noninterest income to average assets | 0.6024% | 2,033 |
| Noninterest expense to average assets | 2.5794% | 3,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3046% | 1,682 |
| Return on assets (ROA) | 1.3046% | 1,719 |
| Pretax return on assets | 1.8078% | 969 |
| Return on Equity (ROE) | 14.3712% | 884 |
| Retained earnings to average equity (ytd only) | 14.3712% | 325 |
| Net charge-offs to loans | 0.0399% | 1,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 73.4079% | 821 |
| Efficiency ratio | 58.7931% | 3,978 |
| Assets per employee ($millions) | 6.3158% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7068% | 847 |
| Loan loss allowance to noncurrent loans | 202.0288% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 2,253 |
| Noncurrent loans to loans | 0.8449% | 1,946 |
| Net loans and leases to total assets | 60.2167% | 3,685 |
| Net loans and leases to deposits | 67.3759% | 3,959 |
| Net loans and leases to core deposits | 68.3936% | 4,160 |
| Total domestic deposits to total assets | 89.3743% | 703 |
| Equity capital to assets | 9.4187% | 4,330 |
| Core capital (leverage) ratio | 9.6504% | 3,972 |
| Tier 1 risk-based capital ratio | 13.8136% | 3,444 |
| Total risk-based capital ratio | 15.0678% | 3,355 |
| Memoranda: | ||
| Average total assets | $1,234,397,500 | 649 |
| Average earning assets | $1,153,756,500 | 637 |
| Average equity | $112,057,500 | 794 |
| Average total loans | $762,634,000 | 756 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9650% | 4,129 |
| Cost of funding earning assets | 0.1102% | 5,265 |
| Net interest margin | 3.8548% | 2,484 |
| Noninterest income to average assets | 0.5923% | 2,334 |
| Noninterest expense to average assets | 2.6169% | 3,281 |
| Loan and lease loss provision to assets | 0.1721% | 1,159 |
| Net operating income to assets | 1.0427% | 2,833 |
| Return on assets (ROA) | 1.0414% | 2,827 |
| Pretax return on assets | 1.4355% | 2,007 |
| Return on Equity (ROE) | 12.4867% | 1,551 |
| Retained earnings to average equity (ytd only) | 12.4867% | 277 |
| Net charge-offs to loans | 0.0543% | 2,371 |
| Credit loss provision to net charge-offs | 510.9489% | 682 |
| Earnings coverage of net charge-offs (x) | 47.7859% | 1,167 |
| Efficiency ratio | 61.9217% | 3,545 |
| Assets per employee ($millions) | 6.2181% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6470% | 931 |
| Loan loss allowance to noncurrent loans | 205.0864% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 2,271 |
| Noncurrent loans to loans | 0.8031% | 1,997 |
| Net loans and leases to total assets | 61.2626% | 3,636 |
| Net loans and leases to deposits | 67.8942% | 3,981 |
| Net loans and leases to core deposits | 69.1169% | 4,167 |
| Total domestic deposits to total assets | 90.2325% | 401 |
| Equity capital to assets | 8.7456% | 4,769 |
| Core capital (leverage) ratio | 9.0485% | 4,603 |
| Tier 1 risk-based capital ratio | 13.0984% | 3,790 |
| Total risk-based capital ratio | 14.3522% | 3,681 |
| Memoranda: | ||
| Average total assets | $1,220,439,800 | 632 |
| Average earning assets | $1,150,484,000 | 619 |
| Average equity | $101,788,600 | 838 |
| Average total loans | $756,546,400 | 733 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9196% | 4,164 |
| Cost of funding earning assets | 0.1033% | 5,345 |
| Net interest margin | 3.8163% | 2,584 |
| Noninterest income to average assets | 0.5864% | 2,382 |
| Noninterest expense to average assets | 2.5884% | 3,321 |
| Loan and lease loss provision to assets | 0.1731% | 1,067 |
| Net operating income to assets | 1.0252% | 2,987 |
| Return on assets (ROA) | 1.0252% | 2,998 |
| Pretax return on assets | 1.4199% | 2,160 |
| Return on Equity (ROE) | 12.4483% | 1,620 |
| Retained earnings to average equity (ytd only) | 12.4483% | 424 |
| Net charge-offs to loans | 0.0655% | 1,892 |
| Credit loss provision to net charge-offs | 426.8293% | 787 |
| Earnings coverage of net charge-offs (x) | 39.2789% | 1,373 |
| Efficiency ratio | 61.9020% | 3,525 |
| Assets per employee ($millions) | 6.2508% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 1,101 |
| Loan loss allowance to noncurrent loans | 539.5278% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 4,019 |
| Noncurrent loans to loans | 0.2947% | 3,621 |
| Net loans and leases to total assets | 61.4044% | 3,707 |
| Net loans and leases to deposits | 67.7366% | 4,079 |
| Net loans and leases to core deposits | 68.9924% | 4,246 |
| Total domestic deposits to total assets | 90.6516% | 302 |
| Equity capital to assets | 8.3264% | 5,023 |
| Core capital (leverage) ratio | 8.9912% | 4,715 |
| Tier 1 risk-based capital ratio | 12.6797% | 4,088 |
| Total risk-based capital ratio | 13.9327% | 3,992 |
| Memoranda: | ||
| Average total assets | $1,213,088,500 | 635 |
| Average earning assets | $1,142,741,000 | 621 |
| Average equity | $99,909,250 | 845 |
| Average total loans | $751,055,500 | 737 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8490% | 4,218 |
| Cost of funding earning assets | 0.0961% | 5,413 |
| Net interest margin | 3.7529% | 2,740 |
| Noninterest income to average assets | 0.5901% | 2,382 |
| Noninterest expense to average assets | 2.6089% | 3,301 |
| Loan and lease loss provision to assets | 0.1746% | 1,049 |
| Net operating income to assets | 0.9682% | 3,149 |
| Return on assets (ROA) | 0.9682% | 3,154 |
| Pretax return on assets | 1.3400% | 2,362 |
| Return on Equity (ROE) | 11.8008% | 1,802 |
| Retained earnings to average equity (ytd only) | 11.8008% | 551 |
| Net charge-offs to loans | 0.1013% | 1,338 |
| Credit loss provision to net charge-offs | 279.2553% | 1,064 |
| Earnings coverage of net charge-offs (x) | 24.2261% | 1,686 |
| Efficiency ratio | 63.2687% | 3,419 |
| Assets per employee ($millions) | 6.0537% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 1,145 |
| Loan loss allowance to noncurrent loans | 489.9170% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 3,990 |
| Noncurrent loans to loans | 0.3239% | 3,542 |
| Net loans and leases to total assets | 61.7153% | 3,635 |
| Net loans and leases to deposits | 68.1454% | 4,006 |
| Net loans and leases to core deposits | 69.6055% | 4,167 |
| Total domestic deposits to total assets | 90.5641% | 382 |
| Equity capital to assets | 8.4817% | 4,957 |
| Core capital (leverage) ratio | 9.0558% | 4,639 |
| Tier 1 risk-based capital ratio | 12.6646% | 4,086 |
| Total risk-based capital ratio | 13.9176% | 3,986 |
| Memoranda: | ||
| Average total assets | $1,202,812,000 | 643 |
| Average earning assets | $1,132,449,330 | 628 |
| Average equity | $98,688,000 | 853 |
| Average total loans | $742,687,670 | 745 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7715% | 4,297 |
| Cost of funding earning assets | 0.0921% | 5,478 |
| Net interest margin | 3.6794% | 2,886 |
| Noninterest income to average assets | 0.5959% | 2,277 |
| Noninterest expense to average assets | 2.6234% | 3,265 |
| Loan and lease loss provision to assets | 0.1734% | 1,011 |
| Net operating income to assets | 0.9150% | 3,227 |
| Return on assets (ROA) | 0.9150% | 3,238 |
| Pretax return on assets | 1.2714% | 2,470 |
| Return on Equity (ROE) | 11.3393% | 1,839 |
| Retained earnings to average equity (ytd only) | 11.3393% | 819 |
| Net charge-offs to loans | -0.0307% | 4,752 |
| Credit loss provision to net charge-offs | -921.0526% | 4,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4852% | 3,402 |
| Assets per employee ($millions) | 6.4399% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 1,160 |
| Loan loss allowance to noncurrent loans | 327.6923% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 3,664 |
| Noncurrent loans to loans | 0.4879% | 3,058 |
| Net loans and leases to total assets | 59.8702% | 3,760 |
| Net loans and leases to deposits | 65.8047% | 4,102 |
| Net loans and leases to core deposits | 67.2693% | 4,248 |
| Total domestic deposits to total assets | 90.9816% | 327 |
| Equity capital to assets | 8.1538% | 5,203 |
| Core capital (leverage) ratio | 8.6901% | 4,998 |
| Tier 1 risk-based capital ratio | 12.4334% | 4,286 |
| Total risk-based capital ratio | 13.6864% | 4,179 |
| Memoranda: | ||
| Average total assets | $1,210,956,000 | 645 |
| Average earning assets | $1,142,793,500 | 632 |
| Average equity | $97,713,500 | 865 |
| Average total loans | $741,994,500 | 744 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5946% | 4,585 |
| Cost of funding earning assets | 0.0969% | 5,508 |
| Net interest margin | 3.4976% | 3,541 |
| Noninterest income to average assets | 0.6899% | 2,007 |
| Noninterest expense to average assets | 2.4721% | 3,875 |
| Loan and lease loss provision to assets | 0.0508% | 3,203 |
| Net operating income to assets | 0.7531% | 3,378 |
| Return on assets (ROA) | 0.7523% | 3,422 |
| Pretax return on assets | 1.4649% | 1,760 |
| Return on Equity (ROE) | 9.3981% | 2,139 |
| Retained earnings to average equity (ytd only) | 9.3981% | 444 |
| Net charge-offs to loans | 0.0524% | 2,755 |
| Credit loss provision to net charge-offs | 163.9344% | 1,635 |
| Earnings coverage of net charge-offs (x) | 48.9153% | 1,100 |
| Efficiency ratio | 61.9732% | 3,945 |
| Assets per employee ($millions) | 6.3752% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 1,474 |
| Loan loss allowance to noncurrent loans | 292.0514% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 3,637 |
| Noncurrent loans to loans | 0.5074% | 2,999 |
| Net loans and leases to total assets | 60.7849% | 3,757 |
| Net loans and leases to deposits | 66.8279% | 4,123 |
| Net loans and leases to core deposits | 68.3995% | 4,270 |
| Total domestic deposits to total assets | 90.9574% | 249 |
| Equity capital to assets | 7.9853% | 5,401 |
| Core capital (leverage) ratio | 8.3155% | 5,273 |
| Tier 1 risk-based capital ratio | 11.8859% | 4,605 |
| Total risk-based capital ratio | 13.1378% | 4,486 |
| Memoranda: | ||
| Average total assets | $1,180,229,200 | 635 |
| Average earning assets | $1,113,268,600 | 616 |
| Average equity | $94,476,400 | 869 |
| Average total loans | $699,092,000 | 746 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5753% | 4,621 |
| Cost of funding earning assets | 0.0955% | 5,569 |
| Net interest margin | 3.4798% | 3,569 |
| Noninterest income to average assets | 0.7281% | 1,876 |
| Noninterest expense to average assets | 2.4714% | 3,821 |
| Loan and lease loss provision to assets | 0.0683% | 2,706 |
| Net operating income to assets | 0.9082% | 2,990 |
| Return on assets (ROA) | 0.9072% | 3,058 |
| Pretax return on assets | 1.4725% | 1,872 |
| Return on Equity (ROE) | 11.3261% | 1,558 |
| Retained earnings to average equity (ytd only) | 11.3261% | 365 |
| Net charge-offs to loans | -0.0124% | 4,696 |
| Credit loss provision to net charge-offs | -937.5000% | 4,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5723% | 3,943 |
| Assets per employee ($millions) | 6.4829% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 1,160 |
| Loan loss allowance to noncurrent loans | 327.0079% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 3,883 |
| Noncurrent loans to loans | 0.5005% | 3,197 |
| Net loans and leases to total assets | 58.2535% | 4,035 |
| Net loans and leases to deposits | 64.1348% | 4,372 |
| Net loans and leases to core deposits | 65.8757% | 4,491 |
| Total domestic deposits to total assets | 90.8299% | 227 |
| Equity capital to assets | 8.2166% | 5,430 |
| Core capital (leverage) ratio | 8.5009% | 5,248 |
| Tier 1 risk-based capital ratio | 12.3816% | 4,391 |
| Total risk-based capital ratio | 13.6351% | 4,297 |
| Memoranda: | ||
| Average total assets | $1,170,872,000 | 641 |
| Average earning assets | $1,105,552,250 | 622 |
| Average equity | $93,787,000 | 882 |
| Average total loans | $686,043,750 | 764 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5377% | 4,662 |
| Cost of funding earning assets | 0.0947% | 5,617 |
| Net interest margin | 3.4430% | 3,622 |
| Noninterest income to average assets | 0.7934% | 1,593 |
| Noninterest expense to average assets | 2.5072% | 3,724 |
| Loan and lease loss provision to assets | 0.1031% | 1,967 |
| Net operating income to assets | 0.8858% | 2,986 |
| Return on assets (ROA) | 0.8840% | 3,053 |
| Pretax return on assets | 1.4303% | 1,897 |
| Return on Equity (ROE) | 11.1346% | 1,590 |
| Retained earnings to average equity (ytd only) | 11.1346% | 421 |
| Net charge-offs to loans | -0.0651% | 5,274 |
| Credit loss provision to net charge-offs | -271.4932% | 4,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0074% | 3,987 |
| Assets per employee ($millions) | 6.2550% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 1,051 |
| Loan loss allowance to noncurrent loans | 387.1820% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2616% | 4,081 |
| Noncurrent loans to loans | 0.4403% | 3,434 |
| Net loans and leases to total assets | 58.4026% | 3,985 |
| Net loans and leases to deposits | 64.2516% | 4,357 |
| Net loans and leases to core deposits | 66.0132% | 4,467 |
| Total domestic deposits to total assets | 90.8967% | 247 |
| Equity capital to assets | 8.2107% | 5,442 |
| Core capital (leverage) ratio | 8.4087% | 5,278 |
| Tier 1 risk-based capital ratio | 12.4978% | 4,301 |
| Total risk-based capital ratio | 13.7523% | 4,197 |
| Memoranda: | ||
| Average total assets | $1,163,546,000 | 643 |
| Average earning assets | $1,098,276,000 | 628 |
| Average equity | $92,378,670 | 892 |
| Average total loans | $679,245,000 | 775 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4739% | 4,766 |
| Cost of funding earning assets | 0.0961% | 5,667 |
| Net interest margin | 3.3778% | 3,725 |
| Noninterest income to average assets | 0.9809% | 1,042 |
| Noninterest expense to average assets | 2.5548% | 3,645 |
| Loan and lease loss provision to assets | 0.2057% | 797 |
| Net operating income to assets | 0.8754% | 2,880 |
| Return on assets (ROA) | 0.8718% | 2,948 |
| Pretax return on assets | 1.4077% | 1,862 |
| Return on Equity (ROE) | 11.1705% | 1,509 |
| Retained earnings to average equity (ytd only) | 11.1705% | 580 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2124% | 4,282 |
| Assets per employee ($millions) | 6.1730% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7261% | 1,095 |
| Loan loss allowance to noncurrent loans | 186.0078% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.5299% | 3,110 |
| Noncurrent loans to loans | 0.9280% | 2,183 |
| Net loans and leases to total assets | 56.1156% | 4,158 |
| Net loans and leases to deposits | 61.5753% | 4,461 |
| Net loans and leases to core deposits | 63.2763% | 4,578 |
| Total domestic deposits to total assets | 91.1333% | 266 |
| Equity capital to assets | 7.9130% | 5,561 |
| Core capital (leverage) ratio | 8.1528% | 5,476 |
| Tier 1 risk-based capital ratio | 12.1461% | 4,624 |
| Total risk-based capital ratio | 13.4002% | 4,516 |
| Memoranda: | ||
| Average total assets | $1,166,727,500 | 641 |
| Average earning assets | $1,102,846,000 | 629 |
| Average equity | $91,061,500 | 899 |
| Average total loans | $675,095,000 | 779 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4991% | 4,784 |
| Cost of funding earning assets | 0.1126% | 5,645 |
| Net interest margin | 3.3865% | 3,861 |
| Noninterest income to average assets | 0.6670% | 2,334 |
| Noninterest expense to average assets | 2.4877% | 4,055 |
| Loan and lease loss provision to assets | 0.1649% | 1,491 |
| Net operating income to assets | 0.7483% | 3,541 |
| Return on assets (ROA) | 0.7483% | 3,665 |
| Pretax return on assets | 1.2039% | 2,657 |
| Return on Equity (ROE) | 9.3262% | 2,261 |
| Retained earnings to average equity (ytd only) | 9.3262% | 520 |
| Net charge-offs to loans | 0.0235% | 3,575 |
| Credit loss provision to net charge-offs | 1,184.2105% | 336 |
| Earnings coverage of net charge-offs (x) | 98.2895% | 607 |
| Efficiency ratio | 64.5038% | 3,851 |
| Assets per employee ($millions) | 6.3068% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 1,390 |
| Loan loss allowance to noncurrent loans | 173.0824% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 3,121 |
| Noncurrent loans to loans | 0.9206% | 2,255 |
| Net loans and leases to total assets | 57.6892% | 4,097 |
| Net loans and leases to deposits | 63.1309% | 4,466 |
| Net loans and leases to core deposits | 64.5805% | 4,607 |
| Total domestic deposits to total assets | 91.3803% | 189 |
| Equity capital to assets | 7.6968% | 5,665 |
| Core capital (leverage) ratio | 8.0175% | 5,611 |
| Tier 1 risk-based capital ratio | 11.7362% | 4,904 |
| Total risk-based capital ratio | 12.9891% | 4,806 |
| Memoranda: | ||
| Average total assets | $1,091,330,800 | 657 |
| Average earning assets | $1,027,893,800 | 642 |
| Average equity | $87,559,800 | 907 |
| Average total loans | $646,341,800 | 772 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5037% | 4,792 |
| Cost of funding earning assets | 0.1120% | 5,713 |
| Net interest margin | 3.3917% | 3,877 |
| Noninterest income to average assets | 0.6470% | 2,438 |
| Noninterest expense to average assets | 2.4945% | 4,000 |
| Loan and lease loss provision to assets | 0.1678% | 1,362 |
| Net operating income to assets | 0.7316% | 3,686 |
| Return on assets (ROA) | 0.7310% | 3,823 |
| Pretax return on assets | 1.1767% | 2,932 |
| Return on Equity (ROE) | 9.0114% | 2,479 |
| Retained earnings to average equity (ytd only) | 9.0114% | 815 |
| Net charge-offs to loans | 0.0641% | 2,434 |
| Credit loss provision to net charge-offs | 441.1765% | 783 |
| Earnings coverage of net charge-offs (x) | 35.3660% | 1,336 |
| Efficiency ratio | 64.9626% | 3,770 |
| Assets per employee ($millions) | 5.9214% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 1,569 |
| Loan loss allowance to noncurrent loans | 163.1279% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.5639% | 3,222 |
| Noncurrent loans to loans | 0.9610% | 2,320 |
| Net loans and leases to total assets | 57.7619% | 4,119 |
| Net loans and leases to deposits | 63.4446% | 4,530 |
| Net loans and leases to core deposits | 65.3036% | 4,648 |
| Total domestic deposits to total assets | 91.0431% | 186 |
| Equity capital to assets | 8.0426% | 5,724 |
| Core capital (leverage) ratio | 8.1887% | 5,582 |
| Tier 1 risk-based capital ratio | 12.0877% | 4,733 |
| Total risk-based capital ratio | 13.3408% | 4,642 |
| Memoranda: | ||
| Average total assets | $1,072,472,750 | 669 |
| Average earning assets | $1,009,623,000 | 656 |
| Average equity | $86,999,000 | 916 |
| Average total loans | $636,928,500 | 779 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5139% | 4,828 |
| Cost of funding earning assets | 0.1124% | 5,795 |
| Net interest margin | 3.4014% | 3,885 |
| Noninterest income to average assets | 0.6672% | 2,294 |
| Noninterest expense to average assets | 2.5567% | 3,871 |
| Loan and lease loss provision to assets | 0.1703% | 1,303 |
| Net operating income to assets | 0.7240% | 3,679 |
| Return on assets (ROA) | 0.7257% | 3,825 |
| Pretax return on assets | 1.1428% | 3,022 |
| Return on Equity (ROE) | 8.9190% | 2,534 |
| Retained earnings to average equity (ytd only) | 8.9190% | 875 |
| Net charge-offs to loans | 0.0384% | 2,685 |
| Credit loss provision to net charge-offs | 743.8017% | 485 |
| Earnings coverage of net charge-offs (x) | 57.2314% | 911 |
| Efficiency ratio | 66.1137% | 3,668 |
| Assets per employee ($millions) | 5.6024% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5534% | 1,661 |
| Loan loss allowance to noncurrent loans | 741.8639% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 5,002 |
| Noncurrent loans to loans | 0.2094% | 4,604 |
| Net loans and leases to total assets | 59.4023% | 3,963 |
| Net loans and leases to deposits | 65.3843% | 4,393 |
| Net loans and leases to core deposits | 67.4162% | 4,520 |
| Total domestic deposits to total assets | 90.8510% | 222 |
| Equity capital to assets | 8.2567% | 5,711 |
| Core capital (leverage) ratio | 8.2359% | 5,580 |
| Tier 1 risk-based capital ratio | 11.9242% | 4,877 |
| Total risk-based capital ratio | 13.1769% | 4,785 |
| Memoranda: | ||
| Average total assets | $1,056,916,000 | 681 |
| Average earning assets | $994,292,670 | 663 |
| Average equity | $85,996,000 | 925 |
| Average total loans | $630,327,000 | 789 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4714% | 4,955 |
| Cost of funding earning assets | 0.1156% | 5,844 |
| Net interest margin | 3.3558% | 4,023 |
| Noninterest income to average assets | 0.6364% | 2,337 |
| Noninterest expense to average assets | 2.5771% | 3,820 |
| Loan and lease loss provision to assets | 0.1714% | 1,200 |
| Net operating income to assets | 0.6722% | 3,868 |
| Return on assets (ROA) | 0.6756% | 3,964 |
| Pretax return on assets | 1.0545% | 3,258 |
| Return on Equity (ROE) | 8.3661% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.3661% | 1,314 |
| Net charge-offs to loans | 0.0604% | 1,903 |
| Credit loss provision to net charge-offs | 478.7234% | 631 |
| Earnings coverage of net charge-offs (x) | 34.0957% | 1,105 |
| Efficiency ratio | 67.8600% | 3,483 |
| Assets per employee ($millions) | 5.5582% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 1,882 |
| Loan loss allowance to noncurrent loans | 473.7179% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 4,798 |
| Noncurrent loans to loans | 0.3220% | 4,277 |
| Net loans and leases to total assets | 58.7322% | 3,959 |
| Net loans and leases to deposits | 64.5292% | 4,390 |
| Net loans and leases to core deposits | 66.7310% | 4,487 |
| Total domestic deposits to total assets | 91.0164% | 269 |
| Equity capital to assets | 8.1464% | 5,769 |
| Core capital (leverage) ratio | 8.1376% | 5,693 |
| Tier 1 risk-based capital ratio | 11.8290% | 5,032 |
| Total risk-based capital ratio | 13.0813% | 4,930 |
| Memoranda: | ||
| Average total assets | $1,050,341,000 | 683 |
| Average earning assets | $989,447,500 | 666 |
| Average equity | $84,818,000 | 934 |
| Average total loans | $622,653,500 | 796 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4933% | 4,938 |
| Cost of funding earning assets | 0.1217% | 5,874 |
| Net interest margin | 3.3716% | 4,029 |
| Noninterest income to average assets | 0.7510% | 1,981 |
| Noninterest expense to average assets | 2.7908% | 3,270 |
| Loan and lease loss provision to assets | 0.0645% | 3,004 |
| Net operating income to assets | 0.6932% | 3,844 |
| Return on assets (ROA) | 0.6959% | 3,942 |
| Pretax return on assets | 1.0733% | 3,178 |
| Return on Equity (ROE) | 7.8594% | 3,030 |
| Retained earnings to average equity (ytd only) | -4.4717% | 5,887 |
| Net charge-offs to loans | -0.0031% | 4,914 |
| Credit loss provision to net charge-offs | -3,611.1111% | 5,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1110% | 3,051 |
| Assets per employee ($millions) | 5.4408% | 1,864 |
| Cash dividends to net income (ytd only)* | 156.8963% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 1,989 |
| Loan loss allowance to noncurrent loans | 338.8645% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.2613% | 4,545 |
| Noncurrent loans to loans | 0.4436% | 3,881 |
| Net loans and leases to total assets | 58.0308% | 4,087 |
| Net loans and leases to deposits | 63.7869% | 4,481 |
| Net loans and leases to core deposits | 65.9998% | 4,592 |
| Total domestic deposits to total assets | 90.9760% | 285 |
| Equity capital to assets | 8.0034% | 5,852 |
| Core capital (leverage) ratio | 8.0395% | 5,817 |
| Tier 1 risk-based capital ratio | 12.0738% | 4,900 |
| Total risk-based capital ratio | 13.3262% | 4,806 |
| Memoranda: | ||
| Average total assets | $1,007,534,000 | 684 |
| Average earning assets | $948,319,800 | 667 |
| Average equity | $89,205,800 | 853 |
| Average total loans | $578,951,400 | 810 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4624% | 5,074 |
| Cost of funding earning assets | 0.1216% | 5,970 |
| Net interest margin | 3.3408% | 4,177 |
| Noninterest income to average assets | 0.7721% | 1,923 |
| Noninterest expense to average assets | 2.7793% | 3,278 |
| Loan and lease loss provision to assets | 0.0868% | 2,425 |
| Net operating income to assets | 0.6852% | 3,966 |
| Return on assets (ROA) | 0.6888% | 4,069 |
| Pretax return on assets | 1.0565% | 3,389 |
| Return on Equity (ROE) | 7.5887% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.5887% | 1,417 |
| Net charge-offs to loans | -0.0297% | 5,354 |
| Credit loss provision to net charge-offs | -511.8110% | 5,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9527% | 3,058 |
| Assets per employee ($millions) | 5.4046% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 1,949 |
| Loan loss allowance to noncurrent loans | 359.1711% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 4,758 |
| Noncurrent loans to loans | 0.4328% | 4,055 |
| Net loans and leases to total assets | 57.1223% | 4,232 |
| Net loans and leases to deposits | 63.3693% | 4,610 |
| Net loans and leases to core deposits | 65.1732% | 4,748 |
| Total domestic deposits to total assets | 90.1418% | 518 |
| Equity capital to assets | 8.9646% | 5,340 |
| Core capital (leverage) ratio | 9.2003% | 4,726 |
| Tier 1 risk-based capital ratio | 13.9507% | 3,873 |
| Total risk-based capital ratio | 15.2041% | 3,810 |
| Memoranda: | ||
| Average total assets | $998,261,250 | 696 |
| Average earning assets | $939,757,000 | 679 |
| Average equity | $90,606,000 | 845 |
| Average total loans | $569,825,500 | 826 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4433% | 5,128 |
| Cost of funding earning assets | 0.1262% | 6,007 |
| Net interest margin | 3.3171% | 4,228 |
| Noninterest income to average assets | 0.7946% | 1,803 |
| Noninterest expense to average assets | 2.8143% | 3,178 |
| Loan and lease loss provision to assets | 0.0711% | 2,693 |
| Net operating income to assets | 0.6775% | 3,987 |
| Return on assets (ROA) | 0.6775% | 4,100 |
| Pretax return on assets | 1.0352% | 3,437 |
| Return on Equity (ROE) | 7.4321% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.4321% | 1,503 |
| Net charge-offs to loans | -0.0619% | 5,622 |
| Credit loss provision to net charge-offs | -202.3121% | 5,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7829% | 3,029 |
| Assets per employee ($millions) | 5.2743% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 2,014 |
| Loan loss allowance to noncurrent loans | 207.2843% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4790% | 4,016 |
| Noncurrent loans to loans | 0.7572% | 3,220 |
| Net loans and leases to total assets | 56.9821% | 4,225 |
| Net loans and leases to deposits | 63.2803% | 4,598 |
| Net loans and leases to core deposits | 65.1042% | 4,720 |
| Total domestic deposits to total assets | 90.0472% | 647 |
| Equity capital to assets | 9.1023% | 5,149 |
| Core capital (leverage) ratio | 9.1733% | 4,726 |
| Tier 1 risk-based capital ratio | 14.1651% | 3,834 |
| Total risk-based capital ratio | 15.4188% | 3,759 |
| Memoranda: | ||
| Average total assets | $985,123,000 | 709 |
| Average earning assets | $928,348,000 | 690 |
| Average equity | $89,800,000 | 857 |
| Average total loans | $559,066,000 | 843 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3594% | 5,304 |
| Cost of funding earning assets | 0.1269% | 6,081 |
| Net interest margin | 3.2325% | 4,478 |
| Noninterest income to average assets | 0.7749% | 1,810 |
| Noninterest expense to average assets | 2.7396% | 3,453 |
| Loan and lease loss provision to assets | 0.1434% | 1,424 |
| Net operating income to assets | 0.6279% | 4,157 |
| Return on assets (ROA) | 0.6279% | 4,263 |
| Pretax return on assets | 0.9498% | 3,695 |
| Return on Equity (ROE) | 6.8827% | 3,567 |
| Retained earnings to average equity (ytd only) | 6.8827% | 2,060 |
| Net charge-offs to loans | 0.0284% | 2,612 |
| Credit loss provision to net charge-offs | 897.4359% | 362 |
| Earnings coverage of net charge-offs (x) | 68.4359% | 658 |
| Efficiency ratio | 71.4789% | 3,251 |
| Assets per employee ($millions) | 5.2388% | 2,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6171% | 1,984 |
| Loan loss allowance to noncurrent loans | 175.5626% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 3,992 |
| Noncurrent loans to loans | 0.9211% | 2,937 |
| Net loans and leases to total assets | 54.3635% | 4,400 |
| Net loans and leases to deposits | 60.2914% | 4,722 |
| Net loans and leases to core deposits | 62.1182% | 4,831 |
| Total domestic deposits to total assets | 90.1680% | 667 |
| Equity capital to assets | 9.0449% | 5,239 |
| Core capital (leverage) ratio | 9.0778% | 4,867 |
| Tier 1 risk-based capital ratio | 14.4405% | 3,756 |
| Total risk-based capital ratio | 15.6942% | 3,678 |
| Memoranda: | ||
| Average total assets | $976,627,500 | 714 |
| Average earning assets | $923,864,500 | 691 |
| Average equity | $89,092,500 | 866 |
| Average total loans | $548,533,000 | 856 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5211% | 5,270 |
| Cost of funding earning assets | 0.1474% | 6,115 |
| Net interest margin | 3.3737% | 4,310 |
| Noninterest income to average assets | 0.7951% | 1,898 |
| Noninterest expense to average assets | 2.8232% | 3,403 |
| Loan and lease loss provision to assets | 0.1926% | 1,330 |
| Net operating income to assets | 0.6364% | 4,205 |
| Return on assets (ROA) | 0.6363% | 4,308 |
| Pretax return on assets | 0.9405% | 3,733 |
| Return on Equity (ROE) | 7.0173% | 3,621 |
| Retained earnings to average equity (ytd only) | 7.0173% | 1,404 |
| Net charge-offs to loans | 0.4858% | 855 |
| Credit loss provision to net charge-offs | 70.0389% | 3,078 |
| Earnings coverage of net charge-offs (x) | 4.1218% | 3,733 |
| Efficiency ratio | 71.3556% | 3,319 |
| Assets per employee ($millions) | 4.9631% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 2,196 |
| Loan loss allowance to noncurrent loans | 163.8915% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.6236% | 3,716 |
| Noncurrent loans to loans | 0.9573% | 2,936 |
| Net loans and leases to total assets | 56.2145% | 4,303 |
| Net loans and leases to deposits | 62.5415% | 4,675 |
| Net loans and leases to core deposits | 64.5932% | 4,787 |
| Total domestic deposits to total assets | 89.8835% | 782 |
| Equity capital to assets | 9.2031% | 5,071 |
| Core capital (leverage) ratio | 9.0430% | 4,922 |
| Tier 1 risk-based capital ratio | 15.0254% | 3,469 |
| Total risk-based capital ratio | 16.2797% | 3,411 |
| Memoranda: | ||
| Average total assets | $934,678,000 | 714 |
| Average earning assets | $875,863,400 | 700 |
| Average equity | $84,748,000 | 872 |
| Average total loans | $529,011,600 | 832 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5204% | 5,348 |
| Cost of funding earning assets | 0.1494% | 6,186 |
| Net interest margin | 3.3710% | 4,353 |
| Noninterest income to average assets | 0.8077% | 1,865 |
| Noninterest expense to average assets | 2.8119% | 3,417 |
| Loan and lease loss provision to assets | 0.2297% | 968 |
| Net operating income to assets | 0.6219% | 4,341 |
| Return on assets (ROA) | 0.6222% | 4,437 |
| Pretax return on assets | 0.9175% | 3,913 |
| Return on Equity (ROE) | 6.8893% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.8893% | 1,877 |
| Net charge-offs to loans | 0.6485% | 549 |
| Credit loss provision to net charge-offs | 62.7205% | 2,895 |
| Earnings coverage of net charge-offs (x) | 3.1317% | 3,729 |
| Efficiency ratio | 71.0323% | 3,339 |
| Assets per employee ($millions) | 5.2134% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 2,409 |
| Loan loss allowance to noncurrent loans | 123.8685% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.7110% | 3,687 |
| Noncurrent loans to loans | 1.2691% | 2,523 |
| Net loans and leases to total assets | 55.1387% | 4,444 |
| Net loans and leases to deposits | 61.1959% | 4,827 |
| Net loans and leases to core deposits | 63.3997% | 4,936 |
| Total domestic deposits to total assets | 90.1020% | 685 |
| Equity capital to assets | 9.0616% | 5,289 |
| Core capital (leverage) ratio | 9.2207% | 4,751 |
| Tier 1 risk-based capital ratio | 15.1587% | 3,501 |
| Total risk-based capital ratio | 16.4132% | 3,433 |
| Memoranda: | ||
| Average total assets | $928,876,500 | 721 |
| Average earning assets | $868,245,250 | 705 |
| Average equity | $83,896,250 | 879 |
| Average total loans | $524,501,250 | 844 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5354% | 5,328 |
| Cost of funding earning assets | 0.1540% | 6,244 |
| Net interest margin | 3.3814% | 4,251 |
| Noninterest income to average assets | 0.7770% | 1,931 |
| Noninterest expense to average assets | 2.7872% | 3,552 |
| Loan and lease loss provision to assets | 0.2607% | 812 |
| Net operating income to assets | 0.6044% | 4,336 |
| Return on assets (ROA) | 0.5969% | 4,464 |
| Pretax return on assets | 0.8713% | 3,993 |
| Return on Equity (ROE) | 6.6158% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.6158% | 1,970 |
| Net charge-offs to loans | 0.9129% | 396 |
| Credit loss provision to net charge-offs | 50.4414% | 2,789 |
| Earnings coverage of net charge-offs (x) | 2.2110% | 3,607 |
| Efficiency ratio | 70.9199% | 3,512 |
| Assets per employee ($millions) | 4.9512% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 2,730 |
| Loan loss allowance to noncurrent loans | 115.5336% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.8097% | 3,539 |
| Noncurrent loans to loans | 1.3312% | 2,588 |
| Net loans and leases to total assets | 56.2192% | 4,257 |
| Net loans and leases to deposits | 62.4213% | 4,651 |
| Net loans and leases to core deposits | 64.6700% | 4,756 |
| Total domestic deposits to total assets | 90.0641% | 773 |
| Equity capital to assets | 9.1418% | 5,166 |
| Core capital (leverage) ratio | 9.0003% | 5,015 |
| Tier 1 risk-based capital ratio | 14.8243% | 3,741 |
| Total risk-based capital ratio | 16.0784% | 3,675 |
| Memoranda: | ||
| Average total assets | $920,483,670 | 729 |
| Average earning assets | $858,345,330 | 712 |
| Average equity | $83,044,000 | 885 |
| Average total loans | $521,183,000 | 843 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5157% | 5,379 |
| Cost of funding earning assets | 0.1528% | 6,341 |
| Net interest margin | 3.3630% | 4,280 |
| Noninterest income to average assets | 0.7639% | 1,895 |
| Noninterest expense to average assets | 2.7462% | 3,772 |
| Loan and lease loss provision to assets | 0.2622% | 801 |
| Net operating income to assets | 0.6035% | 4,185 |
| Return on assets (ROA) | 0.6035% | 4,261 |
| Pretax return on assets | 0.8819% | 3,769 |
| Return on Equity (ROE) | 6.7351% | 3,615 |
| Retained earnings to average equity (ytd only) | 6.7351% | 2,172 |
| Net charge-offs to loans | 1.0131% | 330 |
| Credit loss provision to net charge-offs | 45.9067% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.0031% | 2,969 |
| Efficiency ratio | 70.5909% | 3,726 |
| Assets per employee ($millions) | 4.8845% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6801% | 2,416 |
| Loan loss allowance to noncurrent loans | 82.5315% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 1.1229% | 3,009 |
| Noncurrent loans to loans | 2.0357% | 1,826 |
| Net loans and leases to total assets | 54.2320% | 4,381 |
| Net loans and leases to deposits | 60.0233% | 4,758 |
| Net loans and leases to core deposits | 62.3580% | 4,837 |
| Total domestic deposits to total assets | 90.3516% | 890 |
| Equity capital to assets | 8.8930% | 5,232 |
| Core capital (leverage) ratio | 8.8837% | 5,160 |
| Tier 1 risk-based capital ratio | 14.8627% | 3,781 |
| Total risk-based capital ratio | 16.1184% | 3,735 |
| Memoranda: | ||
| Average total assets | $915,308,500 | 739 |
| Average earning assets | $850,918,500 | 723 |
| Average equity | $82,018,500 | 895 |
| Average total loans | $516,034,000 | 853 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 5,302 |
| Cost of funding earning assets | 0.1596% | 6,497 |
| Net interest margin | 3.4815% | 3,982 |
| Noninterest income to average assets | 1.0803% | 1,215 |
| Noninterest expense to average assets | 3.1777% | 2,487 |
| Loan and lease loss provision to assets | 0.1395% | 2,562 |
| Net operating income to assets | 0.6332% | 4,104 |
| Return on assets (ROA) | 0.6335% | 4,211 |
| Pretax return on assets | 0.9705% | 3,471 |
| Return on Equity (ROE) | 6.7103% | 3,717 |
| Retained earnings to average equity (ytd only) | -5.5999% | 6,399 |
| Net charge-offs to loans | 0.0831% | 4,049 |
| Credit loss provision to net charge-offs | 299.2519% | 763 |
| Earnings coverage of net charge-offs (x) | 23.8080% | 1,396 |
| Efficiency ratio | 74.1204% | 3,111 |
| Assets per employee ($millions) | 4.6272% | 2,689 |
| Cash dividends to net income (ytd only)* | 183.4526% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8075% | 2,044 |
| Loan loss allowance to noncurrent loans | 97.7325% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.0661% | 3,278 |
| Noncurrent loans to loans | 1.8494% | 2,173 |
| Net loans and leases to total assets | 56.6036% | 4,241 |
| Net loans and leases to deposits | 62.9033% | 4,624 |
| Net loans and leases to core deposits | 65.1698% | 4,761 |
| Total domestic deposits to total assets | 89.9852% | 1,088 |
| Equity capital to assets | 9.0312% | 4,999 |
| Core capital (leverage) ratio | 9.1233% | 4,820 |
| Tier 1 risk-based capital ratio | 14.6486% | 3,870 |
| Total risk-based capital ratio | 15.9057% | 3,807 |
| Memoranda: | ||
| Average total assets | $860,477,600 | 769 |
| Average earning assets | $792,597,400 | 762 |
| Average equity | $81,233,200 | 880 |
| Average total loans | $482,267,600 | 883 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6301% | 5,358 |
| Cost of funding earning assets | 0.1619% | 6,587 |
| Net interest margin | 3.4683% | 4,021 |
| Noninterest income to average assets | 1.1653% | 1,079 |
| Noninterest expense to average assets | 3.2019% | 2,363 |
| Loan and lease loss provision to assets | 0.1253% | 2,728 |
| Net operating income to assets | 0.6622% | 4,053 |
| Return on assets (ROA) | 0.6626% | 4,192 |
| Pretax return on assets | 1.0340% | 3,358 |
| Return on Equity (ROE) | 6.9393% | 3,689 |
| Retained earnings to average equity (ytd only) | -9.4657% | 6,626 |
| Net charge-offs to loans | 0.1583% | 2,966 |
| Credit loss provision to net charge-offs | 142.3488% | 1,651 |
| Earnings coverage of net charge-offs (x) | 13.1620% | 2,057 |
| Efficiency ratio | 73.4284% | 3,151 |
| Assets per employee ($millions) | 4.4021% | 3,045 |
| Cash dividends to net income (ytd only)* | 236.4066% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 2,515 |
| Loan loss allowance to noncurrent loans | 123.4485% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.8130% | 4,077 |
| Noncurrent loans to loans | 1.4024% | 3,063 |
| Net loans and leases to total assets | 56.9675% | 4,175 |
| Net loans and leases to deposits | 63.3672% | 4,584 |
| Net loans and leases to core deposits | 65.5559% | 4,751 |
| Total domestic deposits to total assets | 89.9007% | 1,059 |
| Equity capital to assets | 9.1076% | 5,047 |
| Core capital (leverage) ratio | 9.0148% | 5,106 |
| Tier 1 risk-based capital ratio | 14.1592% | 4,314 |
| Total risk-based capital ratio | 15.4153% | 4,258 |
| Memoranda: | ||
| Average total assets | $851,179,750 | 779 |
| Average earning assets | $784,193,250 | 774 |
| Average equity | $81,274,000 | 886 |
| Average total loans | $473,468,000 | 899 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6026% | 5,422 |
| Cost of funding earning assets | 0.1660% | 6,640 |
| Net interest margin | 3.4365% | 4,053 |
| Noninterest income to average assets | 1.2258% | 1,032 |
| Noninterest expense to average assets | 3.2118% | 2,323 |
| Loan and lease loss provision to assets | 0.1898% | 1,991 |
| Net operating income to assets | 0.6746% | 3,930 |
| Return on assets (ROA) | 0.6753% | 4,090 |
| Pretax return on assets | 0.9975% | 3,521 |
| Return on Equity (ROE) | 6.9609% | 3,619 |
| Retained earnings to average equity (ytd only) | -17.4977% | 6,781 |
| Net charge-offs to loans | 0.2719% | 2,116 |
| Credit loss provision to net charge-offs | 127.3885% | 1,775 |
| Earnings coverage of net charge-offs (x) | 7.9618% | 2,472 |
| Efficiency ratio | 73.0255% | 3,306 |
| Assets per employee ($millions) | 4.1405% | 3,493 |
| Cash dividends to net income (ytd only)* | 351.3703% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8173% | 2,381 |
| Loan loss allowance to noncurrent loans | 112.2026% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.9207% | 3,943 |
| Noncurrent loans to loans | 1.6197% | 2,878 |
| Net loans and leases to total assets | 55.8131% | 4,326 |
| Net loans and leases to deposits | 62.1573% | 4,720 |
| Net loans and leases to core deposits | 64.4142% | 4,852 |
| Total domestic deposits to total assets | 89.7933% | 1,153 |
| Equity capital to assets | 9.2655% | 4,904 |
| Core capital (leverage) ratio | 9.0103% | 4,969 |
| Tier 1 risk-based capital ratio | 14.4527% | 4,130 |
| Total risk-based capital ratio | 15.7096% | 4,088 |
| Memoranda: | ||
| Average total assets | $842,899,670 | 792 |
| Average earning assets | $778,113,000 | 779 |
| Average equity | $81,770,670 | 879 |
| Average total loans | $462,011,000 | 917 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5237% | 5,649 |
| Cost of funding earning assets | 0.1713% | 6,720 |
| Net interest margin | 3.3523% | 4,304 |
| Noninterest income to average assets | 1.2432% | 988 |
| Noninterest expense to average assets | 3.1990% | 2,359 |
| Loan and lease loss provision to assets | 0.1900% | 1,941 |
| Net operating income to assets | 0.6519% | 3,949 |
| Return on assets (ROA) | 0.6532% | 4,098 |
| Pretax return on assets | 0.9606% | 3,521 |
| Return on Equity (ROE) | 6.5849% | 3,719 |
| Retained earnings to average equity (ytd only) | -41.3050% | 6,939 |
| Net charge-offs to loans | 0.0954% | 2,895 |
| Credit loss provision to net charge-offs | 370.3704% | 683 |
| Earnings coverage of net charge-offs (x) | 22.3889% | 1,137 |
| Efficiency ratio | 73.5795% | 3,334 |
| Assets per employee ($millions) | 4.3058% | 3,325 |
| Cash dividends to net income (ytd only)* | 727.2727% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9557% | 2,157 |
| Loan loss allowance to noncurrent loans | 129.9163% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.9232% | 4,087 |
| Noncurrent loans to loans | 1.5054% | 3,294 |
| Net loans and leases to total assets | 52.0163% | 4,703 |
| Net loans and leases to deposits | 57.8916% | 5,051 |
| Net loans and leases to core deposits | 60.1041% | 5,145 |
| Total domestic deposits to total assets | 89.8512% | 1,140 |
| Equity capital to assets | 9.2754% | 5,166 |
| Core capital (leverage) ratio | 8.8566% | 5,111 |
| Tier 1 risk-based capital ratio | 15.0958% | 3,773 |
| Total risk-based capital ratio | 16.3544% | 3,723 |
| Memoranda: | ||
| Average total assets | $842,017,500 | 794 |
| Average earning assets | $779,758,500 | 783 |
| Average equity | $83,525,000 | 866 |
| Average total loans | $452,937,000 | 939 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 5,696 |
| Cost of funding earning assets | 0.2459% | 6,686 |
| Net interest margin | 3.6098% | 4,042 |
| Noninterest income to average assets | 1.1802% | 1,131 |
| Noninterest expense to average assets | 3.2712% | 2,421 |
| Loan and lease loss provision to assets | 0.4098% | 1,574 |
| Net operating income to assets | 0.5882% | 4,296 |
| Return on assets (ROA) | 0.5890% | 4,551 |
| Pretax return on assets | 0.8100% | 4,258 |
| Return on Equity (ROE) | 5.5116% | 4,423 |
| Retained earnings to average equity (ytd only) | 5.5116% | 2,377 |
| Net charge-offs to loans | 1.1446% | 905 |
| Credit loss provision to net charge-offs | 63.8596% | 4,345 |
| Earnings coverage of net charge-offs (x) | 1.8992% | 4,470 |
| Efficiency ratio | 72.8539% | 3,268 |
| Assets per employee ($millions) | 4.1163% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8860% | 2,333 |
| Loan loss allowance to noncurrent loans | 117.6940% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.0018% | 4,033 |
| Noncurrent loans to loans | 1.6024% | 3,223 |
| Net loans and leases to total assets | 53.5198% | 4,687 |
| Net loans and leases to deposits | 60.5083% | 4,971 |
| Net loans and leases to core deposits | 62.9171% | 5,074 |
| Total domestic deposits to total assets | 88.4503% | 1,925 |
| Equity capital to assets | 10.5801% | 3,424 |
| Core capital (leverage) ratio | 9.9572% | 3,454 |
| Tier 1 risk-based capital ratio | 16.9281% | 2,689 |
| Total risk-based capital ratio | 18.1863% | 2,646 |
| Memoranda: | ||
| Average total assets | $799,351,600 | 824 |
| Average earning assets | $732,921,200 | 817 |
| Average equity | $85,420,000 | 823 |
| Average total loans | $448,185,200 | 923 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8903% | 5,808 |
| Cost of funding earning assets | 0.2659% | 6,748 |
| Net interest margin | 3.6244% | 4,134 |
| Noninterest income to average assets | 1.1409% | 1,168 |
| Noninterest expense to average assets | 3.2696% | 2,355 |
| Loan and lease loss provision to assets | 0.3456% | 1,896 |
| Net operating income to assets | 0.5984% | 4,408 |
| Return on assets (ROA) | 0.5985% | 4,669 |
| Pretax return on assets | 0.8470% | 4,311 |
| Return on Equity (ROE) | 5.5859% | 4,543 |
| Retained earnings to average equity (ytd only) | 5.5859% | 2,973 |
| Net charge-offs to loans | 0.7883% | 1,403 |
| Credit loss provision to net charge-offs | 77.6306% | 3,689 |
| Earnings coverage of net charge-offs (x) | 2.6787% | 3,964 |
| Efficiency ratio | 73.2762% | 3,106 |
| Assets per employee ($millions) | 4.0078% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1316% | 1,844 |
| Loan loss allowance to noncurrent loans | 109.6626% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 1.2229% | 3,848 |
| Noncurrent loans to loans | 1.9438% | 2,905 |
| Net loans and leases to total assets | 55.9523% | 4,464 |
| Net loans and leases to deposits | 63.4233% | 4,785 |
| Net loans and leases to core deposits | 66.0202% | 4,952 |
| Total domestic deposits to total assets | 88.2204% | 1,898 |
| Equity capital to assets | 10.8241% | 3,472 |
| Core capital (leverage) ratio | 10.1610% | 3,333 |
| Tier 1 risk-based capital ratio | 16.3859% | 3,072 |
| Total risk-based capital ratio | 17.6473% | 3,030 |
| Memoranda: | ||
| Average total assets | $791,318,750 | 843 |
| Average earning assets | $725,103,250 | 827 |
| Average equity | $84,782,000 | 830 |
| Average total loans | $446,841,000 | 932 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8805% | 5,954 |
| Cost of funding earning assets | 0.2967% | 6,752 |
| Net interest margin | 3.5837% | 4,332 |
| Noninterest income to average assets | 1.1353% | 1,107 |
| Noninterest expense to average assets | 3.2943% | 2,325 |
| Loan and lease loss provision to assets | 0.3117% | 2,117 |
| Net operating income to assets | 0.5938% | 4,397 |
| Return on assets (ROA) | 0.5940% | 4,652 |
| Pretax return on assets | 0.8182% | 4,407 |
| Return on Equity (ROE) | 5.5634% | 4,550 |
| Retained earnings to average equity (ytd only) | 5.5634% | 2,949 |
| Net charge-offs to loans | 0.8366% | 1,320 |
| Credit loss provision to net charge-offs | 66.2703% | 3,655 |
| Earnings coverage of net charge-offs (x) | 2.4016% | 3,794 |
| Efficiency ratio | 74.4640% | 2,999 |
| Assets per employee ($millions) | 3.8864% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1697% | 1,843 |
| Loan loss allowance to noncurrent loans | 105.4310% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 1.1821% | 4,044 |
| Noncurrent loans to loans | 2.0579% | 2,881 |
| Net loans and leases to total assets | 56.1953% | 4,437 |
| Net loans and leases to deposits | 63.7269% | 4,803 |
| Net loans and leases to core deposits | 66.8170% | 4,913 |
| Total domestic deposits to total assets | 88.1815% | 2,024 |
| Equity capital to assets | 10.8954% | 3,231 |
| Core capital (leverage) ratio | 10.0787% | 3,304 |
| Tier 1 risk-based capital ratio | 16.5316% | 2,898 |
| Total risk-based capital ratio | 17.7933% | 2,852 |
| Memoranda: | ||
| Average total assets | $786,570,000 | 844 |
| Average earning assets | $721,822,670 | 834 |
| Average equity | $83,977,670 | 827 |
| Average total loans | $442,271,670 | 944 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8358% | 6,173 |
| Cost of funding earning assets | 0.3110% | 6,812 |
| Net interest margin | 3.5249% | 4,583 |
| Noninterest income to average assets | 1.0791% | 1,236 |
| Noninterest expense to average assets | 3.2845% | 2,335 |
| Loan and lease loss provision to assets | 0.2794% | 2,223 |
| Net operating income to assets | 0.5625% | 4,534 |
| Return on assets (ROA) | 0.5629% | 4,750 |
| Pretax return on assets | 0.7636% | 4,556 |
| Return on Equity (ROE) | 5.3270% | 4,629 |
| Retained earnings to average equity (ytd only) | 5.3270% | 3,364 |
| Net charge-offs to loans | 0.5489% | 1,717 |
| Credit loss provision to net charge-offs | 91.5141% | 2,519 |
| Earnings coverage of net charge-offs (x) | 3.4143% | 2,847 |
| Efficiency ratio | 75.9070% | 2,802 |
| Assets per employee ($millions) | 3.8708% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4095% | 1,491 |
| Loan loss allowance to noncurrent loans | 112.0402% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 1.3688% | 3,828 |
| Noncurrent loans to loans | 2.1506% | 2,969 |
| Net loans and leases to total assets | 52.8642% | 4,900 |
| Net loans and leases to deposits | 60.3075% | 5,112 |
| Net loans and leases to core deposits | 63.7336% | 5,144 |
| Total domestic deposits to total assets | 87.6577% | 2,548 |
| Equity capital to assets | 10.5918% | 3,384 |
| Core capital (leverage) ratio | 9.8985% | 3,499 |
| Tier 1 risk-based capital ratio | 17.1320% | 2,634 |
| Total risk-based capital ratio | 18.3970% | 2,590 |
| Memoranda: | ||
| Average total assets | $787,330,500 | 843 |
| Average earning assets | $725,476,500 | 829 |
| Average equity | $83,199,500 | 830 |
| Average total loans | $437,935,000 | 950 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 6,185 |
| Cost of funding earning assets | 0.3567% | 6,992 |
| Net interest margin | 3.7910% | 3,873 |
| Noninterest income to average assets | 1.1178% | 1,059 |
| Noninterest expense to average assets | 3.5260% | 1,923 |
| Loan and lease loss provision to assets | 0.6795% | 1,507 |
| Net operating income to assets | 0.2742% | 5,353 |
| Return on assets (ROA) | 0.3603% | 5,195 |
| Pretax return on assets | 0.5154% | 4,945 |
| Return on Equity (ROE) | 3.3728% | 5,131 |
| Retained earnings to average equity (ytd only) | 3.3728% | 3,819 |
| Net charge-offs to loans | 1.2978% | 1,270 |
| Credit loss provision to net charge-offs | 89.0622% | 4,049 |
| Earnings coverage of net charge-offs (x) | 1.4049% | 4,718 |
| Efficiency ratio | 76.6870% | 2,796 |
| Assets per employee ($millions) | 3.7737% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3335% | 1,569 |
| Loan loss allowance to noncurrent loans | 119.5635% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.2840% | 4,072 |
| Noncurrent loans to loans | 1.9517% | 3,270 |
| Net loans and leases to total assets | 55.7668% | 4,754 |
| Net loans and leases to deposits | 63.6272% | 5,056 |
| Net loans and leases to core deposits | 67.4181% | 5,105 |
| Total domestic deposits to total assets | 87.6461% | 2,370 |
| Equity capital to assets | 10.5424% | 3,483 |
| Core capital (leverage) ratio | 9.8005% | 3,604 |
| Tier 1 risk-based capital ratio | 16.2185% | 2,950 |
| Total risk-based capital ratio | 17.4824% | 2,909 |
| Memoranda: | ||
| Average total assets | $756,128,000 | 870 |
| Average earning assets | $694,116,000 | 868 |
| Average equity | $80,764,200 | 827 |
| Average total loans | $444,522,200 | 937 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1846% | 6,245 |
| Cost of funding earning assets | 0.3688% | 7,089 |
| Net interest margin | 3.8159% | 3,794 |
| Noninterest income to average assets | 1.1333% | 1,031 |
| Noninterest expense to average assets | 3.5445% | 1,824 |
| Loan and lease loss provision to assets | 0.6525% | 1,501 |
| Net operating income to assets | 0.3612% | 5,155 |
| Return on assets (ROA) | 0.4546% | 4,943 |
| Pretax return on assets | 0.5482% | 4,984 |
| Return on Equity (ROE) | 4.2421% | 4,891 |
| Retained earnings to average equity (ytd only) | 4.2421% | 3,712 |
| Net charge-offs to loans | 0.9822% | 1,644 |
| Credit loss provision to net charge-offs | 112.1638% | 2,920 |
| Earnings coverage of net charge-offs (x) | 1.8704% | 4,260 |
| Efficiency ratio | 76.5112% | 2,766 |
| Assets per employee ($millions) | 3.5993% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5825% | 1,291 |
| Loan loss allowance to noncurrent loans | 233.4082% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.9766% | 4,793 |
| Noncurrent loans to loans | 1.1064% | 4,709 |
| Net loans and leases to total assets | 56.2751% | 4,802 |
| Net loans and leases to deposits | 64.5167% | 5,103 |
| Net loans and leases to core deposits | 68.1929% | 5,159 |
| Total domestic deposits to total assets | 87.2257% | 2,511 |
| Equity capital to assets | 10.7674% | 3,400 |
| Core capital (leverage) ratio | 10.0513% | 3,368 |
| Tier 1 risk-based capital ratio | 16.1564% | 3,033 |
| Total risk-based capital ratio | 17.4231% | 2,990 |
| Memoranda: | ||
| Average total assets | $749,873,000 | 888 |
| Average earning assets | $687,670,750 | 876 |
| Average equity | $80,367,250 | 838 |
| Average total loans | $444,145,500 | 951 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 6,355 |
| Cost of funding earning assets | 0.3815% | 7,171 |
| Net interest margin | 3.7839% | 3,870 |
| Noninterest income to average assets | 1.1009% | 1,073 |
| Noninterest expense to average assets | 3.5387% | 1,887 |
| Loan and lease loss provision to assets | 0.6664% | 1,445 |
| Net operating income to assets | 0.3219% | 5,283 |
| Return on assets (ROA) | 0.4273% | 4,974 |
| Pretax return on assets | 0.4993% | 5,077 |
| Return on Equity (ROE) | 3.9930% | 4,950 |
| Retained earnings to average equity (ytd only) | 3.9930% | 3,660 |
| Net charge-offs to loans | 1.2304% | 1,274 |
| Credit loss provision to net charge-offs | 90.6764% | 3,439 |
| Earnings coverage of net charge-offs (x) | 1.4194% | 4,220 |
| Efficiency ratio | 77.2330% | 2,821 |
| Assets per employee ($millions) | 3.4583% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4351% | 1,539 |
| Loan loss allowance to noncurrent loans | 75.3968% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 2.1399% | 3,060 |
| Noncurrent loans to loans | 3.2297% | 2,217 |
| Net loans and leases to total assets | 57.8425% | 4,661 |
| Net loans and leases to deposits | 66.3533% | 4,949 |
| Net loans and leases to core deposits | 70.3519% | 5,030 |
| Total domestic deposits to total assets | 87.1735% | 2,641 |
| Equity capital to assets | 10.8376% | 3,147 |
| Core capital (leverage) ratio | 9.8584% | 3,440 |
| Tier 1 risk-based capital ratio | 15.6557% | 3,153 |
| Total risk-based capital ratio | 16.9207% | 3,114 |
| Memoranda: | ||
| Average total assets | $744,280,330 | 898 |
| Average earning assets | $684,683,330 | 890 |
| Average equity | $79,640,330 | 844 |
| Average total loans | $444,570,330 | 968 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1011% | 6,497 |
| Cost of funding earning assets | 0.3860% | 7,250 |
| Net interest margin | 3.7151% | 4,025 |
| Noninterest income to average assets | 1.1775% | 929 |
| Noninterest expense to average assets | 3.5853% | 1,802 |
| Loan and lease loss provision to assets | 0.5330% | 1,630 |
| Net operating income to assets | 0.4205% | 4,855 |
| Return on assets (ROA) | 0.4205% | 4,944 |
| Pretax return on assets | 0.4846% | 5,071 |
| Return on Equity (ROE) | 3.9553% | 4,928 |
| Retained earnings to average equity (ytd only) | 3.9553% | 3,801 |
| Net charge-offs to loans | 0.2847% | 2,924 |
| Credit loss provision to net charge-offs | 312.3028% | 1,034 |
| Earnings coverage of net charge-offs (x) | 5.9621% | 2,175 |
| Efficiency ratio | 77.8922% | 2,862 |
| Assets per employee ($millions) | 3.5313% | 4,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6896% | 1,215 |
| Loan loss allowance to noncurrent loans | 95.6394% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 1.9916% | 3,330 |
| Noncurrent loans to loans | 2.8123% | 2,682 |
| Net loans and leases to total assets | 56.6013% | 4,891 |
| Net loans and leases to deposits | 64.9882% | 5,133 |
| Net loans and leases to core deposits | 68.6673% | 5,208 |
| Total domestic deposits to total assets | 87.0947% | 2,895 |
| Equity capital to assets | 10.6051% | 3,076 |
| Core capital (leverage) ratio | 9.7494% | 3,450 |
| Tier 1 risk-based capital ratio | 15.9333% | 2,933 |
| Total risk-based capital ratio | 17.2014% | 2,894 |
| Memoranda: | ||
| Average total assets | $742,923,500 | 904 |
| Average earning assets | $684,983,000 | 894 |
| Average equity | $78,982,500 | 842 |
| Average total loans | $445,423,500 | 975 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 6,600 |
| Cost of funding earning assets | 0.5312% | 7,255 |
| Net interest margin | 3.8774% | 3,602 |
| Noninterest income to average assets | 1.1487% | 1,123 |
| Noninterest expense to average assets | 3.7567% | 1,572 |
| Loan and lease loss provision to assets | 0.6648% | 2,486 |
| Net operating income to assets | 0.2823% | 4,993 |
| Return on assets (ROA) | 0.3702% | 4,826 |
| Pretax return on assets | 0.3779% | 5,010 |
| Return on Equity (ROE) | 3.5144% | 4,748 |
| Retained earnings to average equity (ytd only) | 3.5144% | 3,402 |
| Net charge-offs to loans | 1.2372% | 1,814 |
| Credit loss provision to net charge-offs | 84.8558% | 5,350 |
| Earnings coverage of net charge-offs (x) | 1.2164% | 4,887 |
| Efficiency ratio | 79.7656% | 2,447 |
| Assets per employee ($millions) | 3.4774% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4240% | 1,518 |
| Loan loss allowance to noncurrent loans | 89.9381% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 2.0287% | 3,317 |
| Noncurrent loans to loans | 2.6952% | 2,826 |
| Net loans and leases to total assets | 60.2756% | 4,633 |
| Net loans and leases to deposits | 69.2808% | 4,912 |
| Net loans and leases to core deposits | 73.2993% | 5,066 |
| Total domestic deposits to total assets | 87.0019% | 2,821 |
| Equity capital to assets | 10.6580% | 3,012 |
| Core capital (leverage) ratio | 9.6708% | 3,465 |
| Tier 1 risk-based capital ratio | 15.2024% | 3,149 |
| Total risk-based capital ratio | 16.4678% | 3,092 |
| Memoranda: | ||
| Average total assets | $739,152,400 | 913 |
| Average earning assets | $678,826,400 | 904 |
| Average equity | $77,851,600 | 847 |
| Average total loans | $468,091,400 | 965 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4337% | 6,758 |
| Cost of funding earning assets | 0.5714% | 7,345 |
| Net interest margin | 3.8623% | 3,694 |
| Noninterest income to average assets | 1.0751% | 1,237 |
| Noninterest expense to average assets | 3.8315% | 1,317 |
| Loan and lease loss provision to assets | 0.5954% | 2,564 |
| Net operating income to assets | 0.2556% | 5,327 |
| Return on assets (ROA) | 0.3192% | 5,257 |
| Pretax return on assets | 0.2538% | 5,606 |
| Return on Equity (ROE) | 3.0401% | 5,204 |
| Retained earnings to average equity (ytd only) | 3.0401% | 4,307 |
| Net charge-offs to loans | 0.7964% | 2,456 |
| Credit loss provision to net charge-offs | 117.3357% | 3,536 |
| Earnings coverage of net charge-offs (x) | 1.5481% | 4,563 |
| Efficiency ratio | 82.9852% | 1,948 |
| Assets per employee ($millions) | 3.4964% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6524% | 1,136 |
| Loan loss allowance to noncurrent loans | 96.2446% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 2.1267% | 3,295 |
| Noncurrent loans to loans | 2.7559% | 2,882 |
| Net loans and leases to total assets | 62.5998% | 4,409 |
| Net loans and leases to deposits | 72.0427% | 4,836 |
| Net loans and leases to core deposits | 77.0197% | 4,916 |
| Total domestic deposits to total assets | 86.8926% | 2,586 |
| Equity capital to assets | 10.8454% | 3,120 |
| Core capital (leverage) ratio | 9.6169% | 3,742 |
| Tier 1 risk-based capital ratio | 14.7356% | 3,374 |
| Total risk-based capital ratio | 16.0042% | 3,354 |
| Memoranda: | ||
| Average total assets | $739,637,000 | 918 |
| Average earning assets | $678,308,500 | 903 |
| Average equity | $77,671,500 | 856 |
| Average total loans | $471,264,500 | 963 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3949% | 6,906 |
| Cost of funding earning assets | 0.6109% | 7,383 |
| Net interest margin | 3.7840% | 3,966 |
| Noninterest income to average assets | 1.0700% | 1,172 |
| Noninterest expense to average assets | 3.8391% | 1,288 |
| Loan and lease loss provision to assets | 0.6220% | 2,303 |
| Net operating income to assets | 0.1729% | 5,652 |
| Return on assets (ROA) | 0.2678% | 5,453 |
| Pretax return on assets | 0.1697% | 5,847 |
| Return on Equity (ROE) | 2.5779% | 5,423 |
| Retained earnings to average equity (ytd only) | 2.5779% | 4,506 |
| Net charge-offs to loans | 0.9309% | 1,977 |
| Credit loss provision to net charge-offs | 105.1842% | 3,872 |
| Earnings coverage of net charge-offs (x) | 1.1783% | 4,619 |
| Efficiency ratio | 84.6396% | 1,851 |
| Assets per employee ($millions) | 3.4728% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5817% | 1,213 |
| Loan loss allowance to noncurrent loans | 81.8256% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 2.3342% | 3,095 |
| Noncurrent loans to loans | 3.1551% | 2,538 |
| Net loans and leases to total assets | 61.6581% | 4,747 |
| Net loans and leases to deposits | 70.6864% | 5,184 |
| Net loans and leases to core deposits | 75.8906% | 5,206 |
| Total domestic deposits to total assets | 87.2277% | 2,419 |
| Equity capital to assets | 10.5995% | 3,279 |
| Core capital (leverage) ratio | 9.4316% | 3,917 |
| Tier 1 risk-based capital ratio | 14.2868% | 3,554 |
| Total risk-based capital ratio | 15.5540% | 3,514 |
| Memoranda: | ||
| Average total assets | $743,767,000 | 916 |
| Average earning assets | $681,243,000 | 906 |
| Average equity | $77,271,000 | 851 |
| Average total loans | $472,466,330 | 973 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3784% | 7,029 |
| Cost of funding earning assets | 0.6484% | 7,444 |
| Net interest margin | 3.7300% | 4,096 |
| Noninterest income to average assets | 1.0718% | 1,103 |
| Noninterest expense to average assets | 3.6648% | 1,588 |
| Loan and lease loss provision to assets | 0.7759% | 1,627 |
| Net operating income to assets | 0.2007% | 5,690 |
| Return on assets (ROA) | 0.2007% | 5,808 |
| Pretax return on assets | 0.0508% | 6,252 |
| Return on Equity (ROE) | 1.9509% | 5,784 |
| Retained earnings to average equity (ytd only) | 1.9509% | 4,962 |
| Net charge-offs to loans | 1.7279% | 1,002 |
| Credit loss provision to net charge-offs | 70.5596% | 4,090 |
| Earnings coverage of net charge-offs (x) | 0.7518% | 4,357 |
| Efficiency ratio | 81.5940% | 2,337 |
| Assets per employee ($millions) | 3.4604% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4404% | 1,373 |
| Loan loss allowance to noncurrent loans | 61.0844% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 3.0475% | 2,341 |
| Noncurrent loans to loans | 3.9951% | 1,962 |
| Net loans and leases to total assets | 60.4961% | 5,040 |
| Net loans and leases to deposits | 69.3137% | 5,432 |
| Net loans and leases to core deposits | 75.1735% | 5,367 |
| Total domestic deposits to total assets | 87.2787% | 2,478 |
| Equity capital to assets | 10.3332% | 3,432 |
| Core capital (leverage) ratio | 9.7466% | 3,458 |
| Tier 1 risk-based capital ratio | 14.7620% | 3,225 |
| Total risk-based capital ratio | 16.0272% | 3,178 |
| Memoranda: | ||
| Average total assets | $747,538,500 | 925 |
| Average earning assets | $685,367,500 | 921 |
| Average equity | $76,888,500 | 853 |
| Average total loans | $475,713,500 | 992 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1489% | 5,882 |
| Cost of funding earning assets | 0.7724% | 7,594 |
| Net interest margin | 4.3766% | 1,499 |
| Noninterest income to average assets | 1.1401% | 1,183 |
| Noninterest expense to average assets | 4.2134% | 1,083 |
| Loan and lease loss provision to assets | 1.4766% | 1,558 |
| Net operating income to assets | -0.1779% | 5,818 |
| Return on assets (ROA) | -0.1370% | 5,735 |
| Pretax return on assets | -0.5293% | 6,033 |
| Return on Equity (ROE) | -1.2988% | 5,738 |
| Retained earnings to average equity (ytd only) | -1.2988% | 5,347 |
| Net charge-offs to loans | 2.5745% | 888 |
| Credit loss provision to net charge-offs | 80.6350% | 6,267 |
| Earnings coverage of net charge-offs (x) | 0.4824% | 5,624 |
| Efficiency ratio | 82.6681% | 2,528 |
| Assets per employee ($millions) | 3.2365% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4421% | 1,302 |
| Loan loss allowance to noncurrent loans | 67.6507% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 2.8266% | 2,480 |
| Noncurrent loans to loans | 3.6099% | 2,088 |
| Net loans and leases to total assets | 63.6710% | 4,660 |
| Net loans and leases to deposits | 72.8876% | 5,211 |
| Net loans and leases to core deposits | 85.6092% | 5,556 |
| Total domestic deposits to total assets | 87.3551% | 2,292 |
| Equity capital to assets | 10.2379% | 3,474 |
| Core capital (leverage) ratio | 9.7803% | 3,351 |
| Tier 1 risk-based capital ratio | 14.3193% | 3,310 |
| Total risk-based capital ratio | 15.5847% | 3,248 |
| Memoranda: | ||
| Average total assets | $710,361,000 | 964 |
| Average earning assets | $642,191,400 | 972 |
| Average equity | $74,912,600 | 860 |
| Average total loans | $505,265,000 | 944 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2940% | 5,453 |
| Cost of funding earning assets | 0.7771% | 7,727 |
| Net interest margin | 4.5169% | 1,153 |
| Noninterest income to average assets | 1.1774% | 1,125 |
| Noninterest expense to average assets | 4.3431% | 865 |
| Loan and lease loss provision to assets | 0.7471% | 2,501 |
| Net operating income to assets | 0.2583% | 4,960 |
| Return on assets (ROA) | 0.3092% | 4,867 |
| Pretax return on assets | 0.2041% | 5,294 |
| Return on Equity (ROE) | 2.9098% | 4,832 |
| Retained earnings to average equity (ytd only) | 2.9098% | 3,695 |
| Net charge-offs to loans | 1.0947% | 1,824 |
| Credit loss provision to net charge-offs | 93.8815% | 5,380 |
| Earnings coverage of net charge-offs (x) | 1.1312% | 4,925 |
| Efficiency ratio | 82.8322% | 2,455 |
| Assets per employee ($millions) | 3.1600% | 5,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8370% | 763 |
| Loan loss allowance to noncurrent loans | 138.4533% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 2.0534% | 3,276 |
| Noncurrent loans to loans | 2.0491% | 3,568 |
| Net loans and leases to total assets | 66.5262% | 4,297 |
| Net loans and leases to deposits | 76.8599% | 4,916 |
| Net loans and leases to core deposits | 91.1194% | 5,321 |
| Total domestic deposits to total assets | 86.5551% | 2,405 |
| Equity capital to assets | 10.9529% | 3,058 |
| Core capital (leverage) ratio | 10.6155% | 2,697 |
| Tier 1 risk-based capital ratio | 14.3220% | 3,369 |
| Total risk-based capital ratio | 15.5919% | 3,300 |
| Memoranda: | ||
| Average total assets | $701,046,000 | 989 |
| Average earning assets | $631,036,000 | 1,004 |
| Average equity | $74,505,500 | 878 |
| Average total loans | $509,597,750 | 951 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4606% | 4,841 |
| Cost of funding earning assets | 0.7818% | 7,841 |
| Net interest margin | 4.6787% | 834 |
| Noninterest income to average assets | 1.1406% | 1,207 |
| Noninterest expense to average assets | 4.5432% | 745 |
| Loan and lease loss provision to assets | 0.6558% | 2,463 |
| Net operating income to assets | 0.2349% | 5,144 |
| Return on assets (ROA) | 0.3112% | 4,960 |
| Pretax return on assets | 0.1967% | 5,475 |
| Return on Equity (ROE) | 2.9605% | 4,915 |
| Retained earnings to average equity (ytd only) | 2.9605% | 3,673 |
| Net charge-offs to loans | 0.9847% | 1,783 |
| Credit loss provision to net charge-offs | 89.7822% | 4,934 |
| Earnings coverage of net charge-offs (x) | 1.0626% | 4,722 |
| Efficiency ratio | 85.4098% | 2,303 |
| Assets per employee ($millions) | 3.1361% | 5,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8084% | 673 |
| Loan loss allowance to noncurrent loans | 91.4409% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 2.6119% | 2,466 |
| Noncurrent loans to loans | 3.0713% | 2,335 |
| Net loans and leases to total assets | 68.6156% | 4,044 |
| Net loans and leases to deposits | 79.3407% | 4,651 |
| Net loans and leases to core deposits | 92.1268% | 5,337 |
| Total domestic deposits to total assets | 86.4822% | 2,518 |
| Equity capital to assets | 10.9571% | 2,957 |
| Core capital (leverage) ratio | 10.7200% | 2,641 |
| Tier 1 risk-based capital ratio | 13.5913% | 3,765 |
| Total risk-based capital ratio | 14.8077% | 3,717 |
| Memoranda: | ||
| Average total assets | $691,410,670 | 1,019 |
| Average earning assets | $617,517,330 | 1,041 |
| Average equity | $72,690,330 | 920 |
| Average total loans | $512,867,670 | 975 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5450% | 4,665 |
| Cost of funding earning assets | 0.8012% | 7,910 |
| Net interest margin | 4.7438% | 699 |
| Noninterest income to average assets | 0.6057% | 3,505 |
| Noninterest expense to average assets | 4.0683% | 1,098 |
| Loan and lease loss provision to assets | 0.6510% | 1,938 |
| Net operating income to assets | 0.2819% | 5,361 |
| Return on assets (ROA) | 0.2819% | 5,530 |
| Pretax return on assets | 0.1377% | 6,082 |
| Return on Equity (ROE) | 2.7425% | 5,477 |
| Retained earnings to average equity (ytd only) | 2.7425% | 4,357 |
| Net charge-offs to loans | 0.8342% | 1,558 |
| Credit loss provision to net charge-offs | 102.5974% | 3,657 |
| Earnings coverage of net charge-offs (x) | 1.2430% | 4,126 |
| Efficiency ratio | 83.7615% | 2,332 |
| Assets per employee ($millions) | 3.0061% | 6,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8914% | 533 |
| Loan loss allowance to noncurrent loans | 73.2118% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 3.4009% | 1,599 |
| Noncurrent loans to loans | 3.9494% | 1,533 |
| Net loans and leases to total assets | 70.5610% | 3,559 |
| Net loans and leases to deposits | 82.2445% | 4,246 |
| Net loans and leases to core deposits | 94.8246% | 5,078 |
| Total domestic deposits to total assets | 85.7942% | 2,826 |
| Equity capital to assets | 11.3420% | 2,691 |
| Core capital (leverage) ratio | 11.0702% | 2,452 |
| Tier 1 risk-based capital ratio | 13.6298% | 3,787 |
| Total risk-based capital ratio | 14.8990% | 3,689 |
| Memoranda: | ||
| Average total assets | $679,598,000 | 1,033 |
| Average earning assets | $609,050,000 | 1,054 |
| Average equity | $69,862,000 | 966 |
| Average total loans | $516,900,000 | 964 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4050% | 3,392 |
| Cost of funding earning assets | 1.0505% | 8,032 |
| Net interest margin | 5.3546% | 258 |
| Noninterest income to average assets | 0.8497% | 2,234 |
| Noninterest expense to average assets | 4.0719% | 1,320 |
| Loan and lease loss provision to assets | 2.3910% | 450 |
| Net operating income to assets | -0.2462% | 6,678 |
| Return on assets (ROA) | -0.1923% | 6,460 |
| Pretax return on assets | -0.7222% | 6,826 |
| Return on Equity (ROE) | -2.1016% | 6,521 |
| Retained earnings to average equity (ytd only) | -2.2633% | 5,940 |
| Net charge-offs to loans | 2.4143% | 415 |
| Credit loss provision to net charge-offs | 128.2348% | 4,155 |
| Earnings coverage of net charge-offs (x) | 0.8499% | 5,718 |
| Efficiency ratio | 71.9848% | 3,942 |
| Assets per employee ($millions) | 2.9421% | 6,191 |
| Cash dividends to net income (ytd only)* | -7.6923% | 7,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7052% | 559 |
| Loan loss allowance to noncurrent loans | 101.2414% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 2.7767% | 1,695 |
| Noncurrent loans to loans | 2.6721% | 2,031 |
| Net loans and leases to total assets | 77.3946% | 2,289 |
| Net loans and leases to deposits | 88.7309% | 3,680 |
| Net loans and leases to core deposits | 99.1670% | 4,911 |
| Total domestic deposits to total assets | 87.2240% | 1,827 |
| Equity capital to assets | 9.1900% | 5,096 |
| Core capital (leverage) ratio | 8.6719% | 5,249 |
| Tier 1 risk-based capital ratio | 10.0705% | 6,662 |
| Total risk-based capital ratio | 11.3379% | 6,510 |
| Memoranda: | ||
| Average total assets | $676,025,200 | 985 |
| Average earning assets | $606,880,600 | 1,004 |
| Average equity | $61,856,400 | 1,085 |
| Average total loans | $522,091,800 | 907 |