Home > First Reliance Bank > Performance and Condition Ratios
First Reliance Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5159% | 2,068 |
| Cost of funding earning assets | 1.8744% | 2,253 |
| Net interest margin | 3.6415% | 1,986 |
| Noninterest income to average assets | 0.9700% | 600 |
| Noninterest expense to average assets | 3.1483% | 941 |
| Loan and lease loss provision to assets | 0.2600% | 429 |
| Net operating income to assets | 0.7384% | 3,010 |
| Return on assets (ROA) | 0.6845% | 3,166 |
| Pretax return on assets | 0.8600% | 3,056 |
| Return on Equity (ROE) | 7.5600% | 2,978 |
| Retained earnings to average equity (ytd only) | -0.6171% | 3,805 |
| Net charge-offs to loans | 0.0728% | 984 |
| Credit loss provision to net charge-offs | 252.7778% | 787 |
| Earnings coverage of net charge-offs (x) | 22.3056% | 1,388 |
| Efficiency ratio | 72.5162% | 1,564 |
| Assets per employee ($millions) | 6.4059% | 2,637 |
| Cash dividends to net income (ytd only)* | 108.1666% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 2,858 |
| Loan loss allowance to noncurrent loans | 927.6527% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 3,096 |
| Noncurrent loans to loans | 0.1156% | 3,087 |
| Net loans and leases to total assets | 72.8700% | 1,474 |
| Net loans and leases to deposits | 81.1568% | 1,955 |
| Net loans and leases to core deposits | 89.4494% | 2,087 |
| Total domestic deposits to total assets | 89.7900% | 886 |
| Equity capital to assets | 9.0300% | 2,912 |
| Core capital (leverage) ratio | 9.7987% | 2,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9897% | 2,212 |
| Memoranda: | ||
| Average total assets | $1,080,453,500 | 957 |
| Average earning assets | $998,704,000 | 952 |
| Average equity | $97,884,000 | 1,066 |
| Average total loans | $790,755,500 | 924 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4834% | 2,170 |
| Cost of funding earning assets | 2.0521% | 2,099 |
| Net interest margin | 3.4312% | 2,221 |
| Noninterest income to average assets | 0.8700% | 800 |
| Noninterest expense to average assets | 3.0578% | 1,054 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.7330% | 2,878 |
| Return on assets (ROA) | 0.7096% | 2,977 |
| Pretax return on assets | 0.9165% | 2,760 |
| Return on Equity (ROE) | 7.7900% | 2,814 |
| Retained earnings to average equity (ytd only) | 4.6155% | 2,390 |
| Net charge-offs to loans | 0.0345% | 1,879 |
| Credit loss provision to net charge-offs | 115.4440% | 1,713 |
| Earnings coverage of net charge-offs (x) | 39.1429% | 1,362 |
| Efficiency ratio | 75.6735% | 1,398 |
| Assets per employee ($millions) | 6.3047% | 2,642 |
| Cash dividends to net income (ytd only)* | 40.7387% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 2,744 |
| Loan loss allowance to noncurrent loans | 708.8235% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 2,923 |
| Noncurrent loans to loans | 0.1536% | 2,908 |
| Net loans and leases to total assets | 71.9100% | 1,677 |
| Net loans and leases to deposits | 80.1341% | 2,128 |
| Net loans and leases to core deposits | 88.0014% | 2,256 |
| Total domestic deposits to total assets | 89.7400% | 900 |
| Equity capital to assets | 9.0899% | 2,757 |
| Core capital (leverage) ratio | 9.9624% | 2,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4710% | 2,059 |
| Memoranda: | ||
| Average total assets | $1,037,799,600 | 976 |
| Average earning assets | $956,804,200 | 970 |
| Average equity | $94,550,600 | 1,065 |
| Average total loans | $751,036,800 | 951 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4594% | 2,153 |
| Cost of funding earning assets | 2.0826% | 2,023 |
| Net interest margin | 3.3768% | 2,286 |
| Noninterest income to average assets | 0.9500% | 652 |
| Noninterest expense to average assets | 3.0164% | 1,091 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.7944% | 2,705 |
| Return on assets (ROA) | 0.7778% | 2,773 |
| Pretax return on assets | 1.0053% | 2,535 |
| Return on Equity (ROE) | 8.5300% | 2,599 |
| Retained earnings to average equity (ytd only) | 4.2762% | 2,740 |
| Net charge-offs to loans | 0.0453% | 1,463 |
| Credit loss provision to net charge-offs | 69.9605% | 1,920 |
| Earnings coverage of net charge-offs (x) | 32.0751% | 1,470 |
| Efficiency ratio | 74.0656% | 1,584 |
| Assets per employee ($millions) | 6.3664% | 2,603 |
| Cash dividends to net income (ytd only)* | 49.8836% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 2,781 |
| Loan loss allowance to noncurrent loans | 915.1815% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 3,122 |
| Noncurrent loans to loans | 0.1197% | 3,081 |
| Net loans and leases to total assets | 70.2000% | 1,826 |
| Net loans and leases to deposits | 78.4316% | 2,321 |
| Net loans and leases to core deposits | 87.9375% | 2,299 |
| Total domestic deposits to total assets | 89.5000% | 744 |
| Equity capital to assets | 9.2459% | 2,852 |
| Core capital (leverage) ratio | 9.8729% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5601% | 2,052 |
| Memoranda: | ||
| Average total assets | $1,030,874,250 | 980 |
| Average earning assets | $949,830,750 | 977 |
| Average equity | $93,975,000 | 1,060 |
| Average total loans | $745,130,000 | 955 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4202% | 2,116 |
| Cost of funding earning assets | 2.0882% | 1,910 |
| Net interest margin | 3.3320% | 2,335 |
| Noninterest income to average assets | 1.0300% | 564 |
| Noninterest expense to average assets | 3.0678% | 1,019 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.7686% | 2,727 |
| Return on assets (ROA) | 0.7686% | 2,745 |
| Pretax return on assets | 0.9800% | 2,537 |
| Return on Equity (ROE) | 8.4700% | 2,602 |
| Retained earnings to average equity (ytd only) | 4.1414% | 2,669 |
| Net charge-offs to loans | 0.0543% | 1,241 |
| Credit loss provision to net charge-offs | 151.7413% | 1,207 |
| Earnings coverage of net charge-offs (x) | 26.1144% | 1,473 |
| Efficiency ratio | 74.7124% | 1,579 |
| Assets per employee ($millions) | 6.3246% | 2,539 |
| Cash dividends to net income (ytd only)* | 51.1247% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 2,730 |
| Loan loss allowance to noncurrent loans | 3,616.5957% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 3,583 |
| Noncurrent loans to loans | 0.0307% | 3,553 |
| Net loans and leases to total assets | 71.6400% | 1,703 |
| Net loans and leases to deposits | 83.6739% | 1,869 |
| Net loans and leases to core deposits | 94.4282% | 1,835 |
| Total domestic deposits to total assets | 85.6200% | 2,103 |
| Equity capital to assets | 8.8683% | 2,829 |
| Core capital (leverage) ratio | 10.0119% | 2,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3368% | 2,123 |
| Memoranda: | ||
| Average total assets | $1,017,978,000 | 989 |
| Average earning assets | $936,319,000 | 987 |
| Average equity | $92,336,333 | 1,071 |
| Average total loans | $740,470,000 | 956 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3790% | 2,042 |
| Cost of funding earning assets | 2.0785% | 1,824 |
| Net interest margin | 3.3005% | 2,338 |
| Noninterest income to average assets | 1.0300% | 531 |
| Noninterest expense to average assets | 3.1123% | 949 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 0.6672% | 2,949 |
| Return on assets (ROA) | 0.6672% | 2,977 |
| Pretax return on assets | 0.8694% | 2,744 |
| Return on Equity (ROE) | 7.2700% | 2,880 |
| Retained earnings to average equity (ytd only) | 7.2695% | 1,746 |
| Net charge-offs to loans | 0.0621% | 948 |
| Credit loss provision to net charge-offs | 192.9204% | 829 |
| Earnings coverage of net charge-offs (x) | 21.0619% | 1,334 |
| Efficiency ratio | 76.4184% | 1,508 |
| Assets per employee ($millions) | 6.1794% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 2,579 |
| Loan loss allowance to noncurrent loans | 5,029.5858% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,663 |
| Noncurrent loans to loans | 0.0227% | 3,623 |
| Net loans and leases to total assets | 71.6500% | 1,603 |
| Net loans and leases to deposits | 83.1137% | 1,788 |
| Net loans and leases to core deposits | 93.8698% | 1,790 |
| Total domestic deposits to total assets | 86.2100% | 2,026 |
| Equity capital to assets | 8.9370% | 2,724 |
| Core capital (leverage) ratio | 10.1566% | 2,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4575% | 2,089 |
| Memoranda: | ||
| Average total assets | $998,866,000 | 1,005 |
| Average earning assets | $917,789,000 | 1,014 |
| Average equity | $91,671,000 | 1,070 |
| Average total loans | $728,118,000 | 973 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9475% | 2,181 |
| Cost of funding earning assets | 1.5774% | 1,752 |
| Net interest margin | 3.3702% | 2,470 |
| Noninterest income to average assets | 0.9200% | 737 |
| Noninterest expense to average assets | 3.0335% | 1,075 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.7473% | 3,050 |
| Return on assets (ROA) | 0.6238% | 3,360 |
| Pretax return on assets | 0.7871% | 3,242 |
| Return on Equity (ROE) | 7.0300% | 3,273 |
| Retained earnings to average equity (ytd only) | 7.0330% | 1,887 |
| Net charge-offs to loans | 0.0326% | 1,643 |
| Credit loss provision to net charge-offs | 369.2982% | 826 |
| Earnings coverage of net charge-offs (x) | 42.0088% | 1,420 |
| Efficiency ratio | 75.3870% | 1,311 |
| Assets per employee ($millions) | 5.8906% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 2,423 |
| Loan loss allowance to noncurrent loans | 2,836.1486% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 3,461 |
| Noncurrent loans to loans | 0.0415% | 3,426 |
| Net loans and leases to total assets | 72.4700% | 1,530 |
| Net loans and leases to deposits | 81.7303% | 1,970 |
| Net loans and leases to core deposits | 91.4753% | 1,953 |
| Total domestic deposits to total assets | 88.6700% | 1,165 |
| Equity capital to assets | 9.4314% | 2,397 |
| Core capital (leverage) ratio | 10.3191% | 2,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8587% | 1,912 |
| Memoranda: | ||
| Average total assets | $976,847,800 | 1,004 |
| Average earning assets | $896,753,200 | 1,004 |
| Average equity | $86,648,200 | 1,066 |
| Average total loans | $699,708,000 | 960 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8225% | 2,219 |
| Cost of funding earning assets | 1.4435% | 1,755 |
| Net interest margin | 3.3790% | 2,497 |
| Noninterest income to average assets | 0.9700% | 676 |
| Noninterest expense to average assets | 3.0343% | 1,019 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.7637% | 3,125 |
| Return on assets (ROA) | 0.6858% | 3,340 |
| Pretax return on assets | 0.8677% | 3,181 |
| Return on Equity (ROE) | 7.8600% | 3,217 |
| Retained earnings to average equity (ytd only) | 7.8552% | 2,014 |
| Net charge-offs to loans | 0.0438% | 1,261 |
| Credit loss provision to net charge-offs | 385.1528% | 738 |
| Earnings coverage of net charge-offs (x) | 33.0655% | 1,545 |
| Efficiency ratio | 74.4259% | 1,325 |
| Assets per employee ($millions) | 6.1858% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 2,543 |
| Loan loss allowance to noncurrent loans | 1,625.0482% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 3,284 |
| Noncurrent loans to loans | 0.0717% | 3,243 |
| Net loans and leases to total assets | 72.3000% | 1,538 |
| Net loans and leases to deposits | 82.7951% | 1,845 |
| Net loans and leases to core deposits | 91.8161% | 1,810 |
| Total domestic deposits to total assets | 87.3200% | 1,793 |
| Equity capital to assets | 8.7103% | 2,596 |
| Core capital (leverage) ratio | 10.1136% | 2,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5416% | 2,063 |
| Memoranda: | ||
| Average total assets | $978,070,500 | 1,008 |
| Average earning assets | $897,600,500 | 1,009 |
| Average equity | $85,393,000 | 1,070 |
| Average total loans | $696,442,500 | 962 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6902% | 2,231 |
| Cost of funding earning assets | 1.2903% | 1,735 |
| Net interest margin | 3.3999% | 2,515 |
| Noninterest income to average assets | 0.9500% | 618 |
| Noninterest expense to average assets | 3.0481% | 967 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.7245% | 3,284 |
| Return on assets (ROA) | 0.6508% | 3,461 |
| Pretax return on assets | 0.8189% | 3,360 |
| Return on Equity (ROE) | 7.4400% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.4425% | 2,151 |
| Net charge-offs to loans | 0.0637% | 918 |
| Credit loss provision to net charge-offs | 306.3927% | 855 |
| Earnings coverage of net charge-offs (x) | 22.6895% | 1,691 |
| Efficiency ratio | 74.7237% | 1,280 |
| Assets per employee ($millions) | 6.2269% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 2,626 |
| Loan loss allowance to noncurrent loans | 1,510.6422% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 3,225 |
| Noncurrent loans to loans | 0.0771% | 3,133 |
| Net loans and leases to total assets | 70.5300% | 1,687 |
| Net loans and leases to deposits | 83.7715% | 1,690 |
| Net loans and leases to core deposits | 92.4779% | 1,652 |
| Total domestic deposits to total assets | 84.1900% | 2,780 |
| Equity capital to assets | 8.7343% | 2,701 |
| Core capital (leverage) ratio | 9.9575% | 2,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5655% | 2,076 |
| Memoranda: | ||
| Average total assets | $974,248,333 | 1,000 |
| Average earning assets | $893,140,667 | 1,005 |
| Average equity | $85,186,000 | 1,064 |
| Average total loans | $687,254,333 | 962 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 2,294 |
| Cost of funding earning assets | 1.0650% | 1,848 |
| Net interest margin | 3.4453% | 2,516 |
| Noninterest income to average assets | 0.9600% | 612 |
| Noninterest expense to average assets | 3.0880% | 956 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.7360% | 3,380 |
| Return on assets (ROA) | 0.7360% | 3,339 |
| Pretax return on assets | 0.9210% | 3,184 |
| Return on Equity (ROE) | 8.4100% | 3,198 |
| Retained earnings to average equity (ytd only) | 8.4149% | 2,108 |
| Net charge-offs to loans | 0.0602% | 774 |
| Credit loss provision to net charge-offs | 367.6471% | 633 |
| Earnings coverage of net charge-offs (x) | 24.1961% | 1,392 |
| Efficiency ratio | 74.9295% | 1,251 |
| Assets per employee ($millions) | 6.1993% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 2,697 |
| Loan loss allowance to noncurrent loans | 1,630.3644% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 3,290 |
| Noncurrent loans to loans | 0.0720% | 3,217 |
| Net loans and leases to total assets | 67.9400% | 1,841 |
| Net loans and leases to deposits | 80.6666% | 1,771 |
| Net loans and leases to core deposits | 87.8186% | 1,755 |
| Total domestic deposits to total assets | 84.2200% | 3,051 |
| Equity capital to assets | 8.6330% | 2,798 |
| Core capital (leverage) ratio | 10.1398% | 2,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5427% | 2,166 |
| Memoranda: | ||
| Average total assets | $966,311,000 | 1,024 |
| Average earning assets | $883,750,000 | 1,032 |
| Average equity | $84,516,500 | 1,084 |
| Average total loans | $677,623,000 | 987 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 2,038 |
| Cost of funding earning assets | 0.2445% | 3,371 |
| Net interest margin | 3.6352% | 1,542 |
| Noninterest income to average assets | 1.0200% | 618 |
| Noninterest expense to average assets | 3.3371% | 596 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.7497% | 3,482 |
| Return on assets (ROA) | 0.7497% | 3,423 |
| Pretax return on assets | 0.9541% | 3,210 |
| Return on Equity (ROE) | 8.3000% | 3,309 |
| Retained earnings to average equity (ytd only) | 8.3018% | 1,722 |
| Net charge-offs to loans | -0.0218% | 4,091 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.6166% | 956 |
| Assets per employee ($millions) | 5.4651% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 2,669 |
| Loan loss allowance to noncurrent loans | 1,620.9302% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 3,298 |
| Noncurrent loans to loans | 0.0707% | 3,248 |
| Net loans and leases to total assets | 70.7800% | 1,551 |
| Net loans and leases to deposits | 82.4712% | 1,584 |
| Net loans and leases to core deposits | 87.7950% | 1,621 |
| Total domestic deposits to total assets | 85.8200% | 2,774 |
| Equity capital to assets | 8.8673% | 2,444 |
| Core capital (leverage) ratio | 10.3691% | 2,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4279% | 2,191 |
| Memoranda: | ||
| Average total assets | $936,350,800 | 1,039 |
| Average earning assets | $855,640,600 | 1,052 |
| Average equity | $84,559,600 | 1,084 |
| Average total loans | $640,753,200 | 982 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7046% | 2,034 |
| Cost of funding earning assets | 0.1384% | 3,954 |
| Net interest margin | 3.5662% | 1,476 |
| Noninterest income to average assets | 1.1200% | 557 |
| Noninterest expense to average assets | 3.3862% | 530 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.7405% | 3,445 |
| Return on assets (ROA) | 0.7405% | 3,394 |
| Pretax return on assets | 0.9428% | 3,199 |
| Return on Equity (ROE) | 8.1600% | 3,278 |
| Retained earnings to average equity (ytd only) | 8.1630% | 1,939 |
| Net charge-offs to loans | -0.0473% | 4,296 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.0608% | 994 |
| Assets per employee ($millions) | 5.4880% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 2,680 |
| Loan loss allowance to noncurrent loans | 1,330.4878% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 3,281 |
| Noncurrent loans to loans | 0.0881% | 3,250 |
| Net loans and leases to total assets | 68.1800% | 1,659 |
| Net loans and leases to deposits | 76.2059% | 1,858 |
| Net loans and leases to core deposits | 80.3860% | 1,875 |
| Total domestic deposits to total assets | 89.4600% | 1,887 |
| Equity capital to assets | 8.6230% | 2,466 |
| Core capital (leverage) ratio | 9.8352% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4721% | 2,278 |
| Memoranda: | ||
| Average total assets | $936,805,000 | 1,047 |
| Average earning assets | $856,128,250 | 1,056 |
| Average equity | $84,982,500 | 1,091 |
| Average total loans | $633,661,250 | 984 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4734% | 2,213 |
| Cost of funding earning assets | 0.1031% | 4,159 |
| Net interest margin | 3.3703% | 1,689 |
| Noninterest income to average assets | 1.0374% | 619 |
| Noninterest expense to average assets | 3.4228% | 468 |
| Loan and lease loss provision to assets | 0.0415% | 1,831 |
| Net operating income to assets | 0.5192% | 3,848 |
| Return on assets (ROA) | 0.5192% | 3,799 |
| Pretax return on assets | 0.6505% | 3,714 |
| Return on Equity (ROE) | 5.6302% | 3,675 |
| Retained earnings to average equity (ytd only) | 5.6302% | 2,459 |
| Net charge-offs to loans | -0.0828% | 4,392 |
| Credit loss provision to net charge-offs | -74.6154% | 3,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9129% | 745 |
| Assets per employee ($millions) | 5.3949% | 3,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 2,977 |
| Loan loss allowance to noncurrent loans | 1,347.3968% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 3,393 |
| Noncurrent loans to loans | 0.0847% | 3,358 |
| Net loans and leases to total assets | 68.8546% | 1,409 |
| Net loans and leases to deposits | 77.8358% | 1,553 |
| Net loans and leases to core deposits | 82.2527% | 1,580 |
| Total domestic deposits to total assets | 88.4613% | 2,400 |
| Equity capital to assets | 8.7966% | 2,535 |
| Core capital (leverage) ratio | 9.6553% | 2,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9698% | 2,514 |
| Memoranda: | ||
| Average total assets | $934,427,667 | 1,046 |
| Average earning assets | $853,221,667 | 1,063 |
| Average equity | $86,178,000 | 1,094 |
| Average total loans | $627,820,000 | 988 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3060% | 2,371 |
| Cost of funding earning assets | 0.1040% | 4,082 |
| Net interest margin | 3.2019% | 1,876 |
| Noninterest income to average assets | 1.1485% | 522 |
| Noninterest expense to average assets | 3.4510% | 443 |
| Loan and lease loss provision to assets | 0.0349% | 1,740 |
| Net operating income to assets | 0.4755% | 3,770 |
| Return on assets (ROA) | 0.4755% | 3,739 |
| Pretax return on assets | 0.5891% | 3,666 |
| Return on Equity (ROE) | 5.0375% | 3,612 |
| Retained earnings to average equity (ytd only) | 5.0375% | 2,583 |
| Net charge-offs to loans | -0.0535% | 4,281 |
| Credit loss provision to net charge-offs | -98.7805% | 2,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4139% | 821 |
| Assets per employee ($millions) | 5.2842% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 2,997 |
| Loan loss allowance to noncurrent loans | 670.3532% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 3,021 |
| Noncurrent loans to loans | 0.1748% | 2,946 |
| Net loans and leases to total assets | 63.9613% | 1,626 |
| Net loans and leases to deposits | 72.2499% | 1,757 |
| Net loans and leases to core deposits | 76.5797% | 1,741 |
| Total domestic deposits to total assets | 88.5280% | 2,286 |
| Equity capital to assets | 9.0122% | 2,698 |
| Core capital (leverage) ratio | 9.6740% | 2,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6700% | 2,354 |
| Memoranda: | ||
| Average total assets | $929,583,500 | 1,056 |
| Average earning assets | $849,608,500 | 1,070 |
| Average equity | $87,742,000 | 1,108 |
| Average total loans | $612,944,000 | 1,004 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5557% | 2,500 |
| Cost of funding earning assets | 0.1610% | 3,859 |
| Net interest margin | 3.3947% | 2,050 |
| Noninterest income to average assets | 1.9644% | 328 |
| Noninterest expense to average assets | 4.1018% | 270 |
| Loan and lease loss provision to assets | 0.0363% | 2,318 |
| Net operating income to assets | 0.7260% | 3,549 |
| Return on assets (ROA) | 0.7338% | 3,595 |
| Pretax return on assets | 0.9246% | 3,437 |
| Return on Equity (ROE) | 7.0448% | 3,505 |
| Retained earnings to average equity (ytd only) | 7.0448% | 1,904 |
| Net charge-offs to loans | -0.1000% | 4,583 |
| Credit loss provision to net charge-offs | -53.1915% | 3,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8843% | 755 |
| Assets per employee ($millions) | 5.0445% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 3,102 |
| Loan loss allowance to noncurrent loans | 901.6624% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 3,231 |
| Noncurrent loans to loans | 0.1281% | 3,291 |
| Net loans and leases to total assets | 66.4367% | 1,426 |
| Net loans and leases to deposits | 76.8153% | 1,506 |
| Net loans and leases to core deposits | 81.1575% | 1,508 |
| Total domestic deposits to total assets | 86.4888% | 2,717 |
| Equity capital to assets | 9.8858% | 2,766 |
| Core capital (leverage) ratio | 9.6573% | 2,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0522% | 2,224 |
| Memoranda: | ||
| Average total assets | $825,848,000 | 1,126 |
| Average earning assets | $751,386,200 | 1,148 |
| Average equity | $86,021,200 | 1,138 |
| Average total loans | $564,170,000 | 1,068 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5749% | 2,624 |
| Cost of funding earning assets | 0.1709% | 3,915 |
| Net interest margin | 3.4040% | 2,142 |
| Noninterest income to average assets | 2.1707% | 304 |
| Noninterest expense to average assets | 4.1434% | 263 |
| Loan and lease loss provision to assets | 0.0341% | 2,317 |
| Net operating income to assets | 0.8369% | 3,427 |
| Return on assets (ROA) | 0.8475% | 3,455 |
| Pretax return on assets | 1.0995% | 3,194 |
| Return on Equity (ROE) | 8.0215% | 3,398 |
| Retained earnings to average equity (ytd only) | 8.0215% | 2,049 |
| Net charge-offs to loans | -0.1337% | 4,704 |
| Credit loss provision to net charge-offs | -37.1841% | 3,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7179% | 825 |
| Assets per employee ($millions) | 4.8860% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 3,161 |
| Loan loss allowance to noncurrent loans | 572.6298% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 3,110 |
| Noncurrent loans to loans | 0.2027% | 3,142 |
| Net loans and leases to total assets | 65.0742% | 1,645 |
| Net loans and leases to deposits | 74.6579% | 1,793 |
| Net loans and leases to core deposits | 79.0045% | 1,823 |
| Total domestic deposits to total assets | 87.1632% | 2,281 |
| Equity capital to assets | 9.8463% | 3,059 |
| Core capital (leverage) ratio | 10.2363% | 2,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2902% | 1,865 |
| Memoranda: | ||
| Average total assets | $805,309,250 | 1,160 |
| Average earning assets | $731,705,750 | 1,189 |
| Average equity | $85,085,750 | 1,166 |
| Average total loans | $552,638,000 | 1,107 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6955% | 2,347 |
| Cost of funding earning assets | 0.1818% | 3,930 |
| Net interest margin | 3.5137% | 1,820 |
| Noninterest income to average assets | 2.4263% | 259 |
| Noninterest expense to average assets | 4.3416% | 235 |
| Loan and lease loss provision to assets | 0.0259% | 2,452 |
| Net operating income to assets | 0.9533% | 3,055 |
| Return on assets (ROA) | 0.9613% | 3,112 |
| Pretax return on assets | 1.2475% | 2,777 |
| Return on Equity (ROE) | 8.8615% | 3,146 |
| Retained earnings to average equity (ytd only) | 8.8615% | 1,751 |
| Net charge-offs to loans | -0.0156% | 3,878 |
| Credit loss provision to net charge-offs | -238.0952% | 3,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4604% | 955 |
| Assets per employee ($millions) | 4.5849% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 3,281 |
| Loan loss allowance to noncurrent loans | 493.2970% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 3,113 |
| Noncurrent loans to loans | 0.2293% | 3,139 |
| Net loans and leases to total assets | 66.6481% | 1,615 |
| Net loans and leases to deposits | 77.4198% | 1,688 |
| Net loans and leases to core deposits | 82.6262% | 1,669 |
| Total domestic deposits to total assets | 86.0866% | 2,711 |
| Equity capital to assets | 10.2780% | 2,597 |
| Core capital (leverage) ratio | 10.4279% | 2,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4052% | 2,206 |
| Memoranda: | ||
| Average total assets | $770,813,667 | 1,198 |
| Average earning assets | $697,333,667 | 1,224 |
| Average equity | $83,620,000 | 1,177 |
| Average total loans | $537,404,667 | 1,131 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6786% | 2,416 |
| Cost of funding earning assets | 0.1987% | 3,925 |
| Net interest margin | 3.4799% | 1,884 |
| Noninterest income to average assets | 2.6246% | 251 |
| Noninterest expense to average assets | 4.3184% | 230 |
| Loan and lease loss provision to assets | -0.0032% | 4,556 |
| Net operating income to assets | 1.1073% | 2,449 |
| Return on assets (ROA) | 1.1073% | 2,529 |
| Pretax return on assets | 1.4472% | 2,146 |
| Return on Equity (ROE) | 9.9150% | 2,717 |
| Retained earnings to average equity (ytd only) | 9.9150% | 1,668 |
| Net charge-offs to loans | 0.0038% | 1,787 |
| Credit loss provision to net charge-offs | -120.0000% | 2,859 |
| Earnings coverage of net charge-offs (x) | 535.2000% | 179 |
| Efficiency ratio | 74.9415% | 1,230 |
| Assets per employee ($millions) | 4.5056% | 4,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 3,215 |
| Loan loss allowance to noncurrent loans | 538.8307% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 3,326 |
| Noncurrent loans to loans | 0.2125% | 3,349 |
| Net loans and leases to total assets | 68.7822% | 1,429 |
| Net loans and leases to deposits | 80.2283% | 1,499 |
| Net loans and leases to core deposits | 87.0687% | 1,448 |
| Total domestic deposits to total assets | 85.7331% | 2,843 |
| Equity capital to assets | 10.7876% | 2,019 |
| Core capital (leverage) ratio | 11.1327% | 1,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0034% | 1,566 |
| Memoranda: | ||
| Average total assets | $741,291,000 | 1,229 |
| Average earning assets | $668,404,000 | 1,263 |
| Average equity | $82,783,500 | 1,178 |
| Average total loans | $526,400,000 | 1,145 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4387% | 1,468 |
| Cost of funding earning assets | 0.5279% | 2,763 |
| Net interest margin | 3.9108% | 1,183 |
| Noninterest income to average assets | 3.4112% | 162 |
| Noninterest expense to average assets | 4.2380% | 302 |
| Loan and lease loss provision to assets | 0.4071% | 757 |
| Net operating income to assets | 1.7201% | 473 |
| Return on assets (ROA) | 1.6967% | 540 |
| Pretax return on assets | 2.2090% | 298 |
| Return on Equity (ROE) | 16.0619% | 498 |
| Retained earnings to average equity (ytd only) | 16.0619% | 115 |
| Net charge-offs to loans | 0.0501% | 2,080 |
| Credit loss provision to net charge-offs | 1,095.8491% | 733 |
| Earnings coverage of net charge-offs (x) | 71.2113% | 965 |
| Efficiency ratio | 61.5654% | 3,212 |
| Assets per employee ($millions) | 4.2373% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 2,920 |
| Loan loss allowance to noncurrent loans | 452.5969% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 3,211 |
| Noncurrent loans to loans | 0.2662% | 3,243 |
| Net loans and leases to total assets | 71.7054% | 1,329 |
| Net loans and leases to deposits | 84.6578% | 1,393 |
| Net loans and leases to core deposits | 91.3855% | 1,429 |
| Total domestic deposits to total assets | 84.7003% | 2,881 |
| Equity capital to assets | 11.5835% | 1,825 |
| Core capital (leverage) ratio | 10.3116% | 2,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6653% | 1,638 |
| Memoranda: | ||
| Average total assets | $713,267,200 | 1,158 |
| Average earning assets | $633,320,000 | 1,206 |
| Average equity | $75,346,200 | 1,213 |
| Average total loans | $528,513,800 | 1,090 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 1,430 |
| Cost of funding earning assets | 0.5291% | 3,054 |
| Net interest margin | 4.0294% | 1,052 |
| Noninterest income to average assets | 3.4208% | 158 |
| Noninterest expense to average assets | 3.9664% | 389 |
| Loan and lease loss provision to assets | 0.4752% | 647 |
| Net operating income to assets | 1.9579% | 326 |
| Return on assets (ROA) | 1.9268% | 383 |
| Pretax return on assets | 2.5102% | 208 |
| Return on Equity (ROE) | 18.6866% | 313 |
| Retained earnings to average equity (ytd only) | 18.6866% | 98 |
| Net charge-offs to loans | 0.0934% | 1,371 |
| Credit loss provision to net charge-offs | 682.8418% | 1,086 |
| Earnings coverage of net charge-offs (x) | 43.4665% | 1,297 |
| Efficiency ratio | 56.7353% | 3,827 |
| Assets per employee ($millions) | 4.9362% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 3,380 |
| Loan loss allowance to noncurrent loans | 426.9403% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 3,470 |
| Noncurrent loans to loans | 0.2497% | 3,406 |
| Net loans and leases to total assets | 68.0640% | 2,239 |
| Net loans and leases to deposits | 88.2443% | 1,454 |
| Net loans and leases to core deposits | 97.5438% | 1,342 |
| Total domestic deposits to total assets | 77.1314% | 4,306 |
| Equity capital to assets | 10.2938% | 2,969 |
| Core capital (leverage) ratio | 9.9561% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7545% | 1,909 |
| Memoranda: | ||
| Average total assets | $714,677,500 | 1,141 |
| Average earning assets | $633,260,250 | 1,191 |
| Average equity | $73,690,750 | 1,223 |
| Average total loans | $532,244,000 | 1,079 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5436% | 1,794 |
| Cost of funding earning assets | 0.5958% | 2,987 |
| Net interest margin | 3.9478% | 1,449 |
| Noninterest income to average assets | 2.9455% | 167 |
| Noninterest expense to average assets | 3.8748% | 469 |
| Loan and lease loss provision to assets | 0.4474% | 859 |
| Net operating income to assets | 1.6174% | 734 |
| Return on assets (ROA) | 1.5693% | 879 |
| Pretax return on assets | 2.0412% | 502 |
| Return on Equity (ROE) | 15.2098% | 683 |
| Retained earnings to average equity (ytd only) | 15.2098% | 216 |
| Net charge-offs to loans | 0.1439% | 1,001 |
| Credit loss provision to net charge-offs | 405.7592% | 1,393 |
| Earnings coverage of net charge-offs (x) | 23.1230% | 1,609 |
| Efficiency ratio | 60.3154% | 3,376 |
| Assets per employee ($millions) | 5.2833% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8276% | 4,263 |
| Loan loss allowance to noncurrent loans | 332.7452% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 3,475 |
| Noncurrent loans to loans | 0.2487% | 3,489 |
| Net loans and leases to total assets | 74.2635% | 1,378 |
| Net loans and leases to deposits | 96.0216% | 794 |
| Net loans and leases to core deposits | 106.4046% | 880 |
| Total domestic deposits to total assets | 77.3404% | 4,276 |
| Equity capital to assets | 9.8557% | 3,321 |
| Core capital (leverage) ratio | 9.6757% | 3,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3118% | 2,478 |
| Memoranda: | ||
| Average total assets | $692,931,000 | 1,154 |
| Average earning assets | $610,623,000 | 1,204 |
| Average equity | $71,493,333 | 1,243 |
| Average total loans | $530,804,000 | 1,067 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8471% | 1,316 |
| Cost of funding earning assets | 0.6842% | 3,000 |
| Net interest margin | 4.1629% | 995 |
| Noninterest income to average assets | 1.2680% | 547 |
| Noninterest expense to average assets | 3.8137% | 610 |
| Loan and lease loss provision to assets | 0.2276% | 1,361 |
| Net operating income to assets | 0.6713% | 3,363 |
| Return on assets (ROA) | 0.6713% | 3,432 |
| Pretax return on assets | 0.8643% | 3,239 |
| Return on Equity (ROE) | 6.3427% | 3,194 |
| Retained earnings to average equity (ytd only) | 6.3427% | 1,762 |
| Net charge-offs to loans | 0.0352% | 1,710 |
| Credit loss provision to net charge-offs | 833.3333% | 645 |
| Earnings coverage of net charge-offs (x) | 39.9778% | 1,027 |
| Efficiency ratio | 77.7407% | 1,369 |
| Assets per employee ($millions) | 4.7739% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7534% | 4,511 |
| Loan loss allowance to noncurrent loans | 291.9428% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 3,412 |
| Noncurrent loans to loans | 0.2581% | 3,567 |
| Net loans and leases to total assets | 77.5262% | 1,048 |
| Net loans and leases to deposits | 100.7319% | 508 |
| Net loans and leases to core deposits | 107.5118% | 967 |
| Total domestic deposits to total assets | 76.9629% | 4,357 |
| Equity capital to assets | 10.6939% | 3,144 |
| Core capital (leverage) ratio | 10.2831% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4474% | 2,949 |
| Memoranda: | ||
| Average total assets | $658,995,500 | 1,175 |
| Average earning assets | $575,852,500 | 1,230 |
| Average equity | $69,749,000 | 1,262 |
| Average total loans | $511,349,500 | 1,080 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0279% | 1,403 |
| Cost of funding earning assets | 0.9346% | 2,035 |
| Net interest margin | 4.0933% | 1,560 |
| Noninterest income to average assets | 1.7465% | 321 |
| Noninterest expense to average assets | 4.0680% | 490 |
| Loan and lease loss provision to assets | 0.1574% | 1,336 |
| Net operating income to assets | 0.8809% | 3,283 |
| Return on assets (ROA) | 0.8835% | 3,353 |
| Pretax return on assets | 1.1425% | 3,035 |
| Return on Equity (ROE) | 8.4036% | 2,986 |
| Retained earnings to average equity (ytd only) | 8.4036% | 854 |
| Net charge-offs to loans | 0.0954% | 1,771 |
| Credit loss provision to net charge-offs | 212.5000% | 1,249 |
| Earnings coverage of net charge-offs (x) | 17.5043% | 2,105 |
| Efficiency ratio | 75.8317% | 1,390 |
| Assets per employee ($millions) | 4.6752% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6981% | 4,578 |
| Loan loss allowance to noncurrent loans | 240.4746% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 3,324 |
| Noncurrent loans to loans | 0.2903% | 3,392 |
| Net loans and leases to total assets | 76.5381% | 1,322 |
| Net loans and leases to deposits | 99.6518% | 629 |
| Net loans and leases to core deposits | 107.3522% | 1,019 |
| Total domestic deposits to total assets | 76.8056% | 4,514 |
| Equity capital to assets | 10.4744% | 3,474 |
| Core capital (leverage) ratio | 9.2259% | 4,346 |
| Tier 1 risk-based capital ratio | 10.8844% | 4,898 |
| Total risk-based capital ratio | 11.5415% | 5,012 |
| Memoranda: | ||
| Average total assets | $626,451,400 | 1,185 |
| Average earning assets | $553,706,000 | 1,225 |
| Average equity | $65,864,800 | 1,281 |
| Average total loans | $486,334,600 | 1,105 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0319% | 1,462 |
| Cost of funding earning assets | 0.9552% | 1,970 |
| Net interest margin | 4.0766% | 1,683 |
| Noninterest income to average assets | 1.8941% | 288 |
| Noninterest expense to average assets | 4.1453% | 446 |
| Loan and lease loss provision to assets | 0.1113% | 1,757 |
| Net operating income to assets | 0.9645% | 3,104 |
| Return on assets (ROA) | 0.9681% | 3,170 |
| Pretax return on assets | 1.2525% | 2,811 |
| Return on Equity (ROE) | 9.1982% | 2,804 |
| Retained earnings to average equity (ytd only) | 9.1982% | 993 |
| Net charge-offs to loans | 0.0804% | 1,677 |
| Credit loss provision to net charge-offs | 177.9310% | 1,440 |
| Earnings coverage of net charge-offs (x) | 21.7343% | 1,899 |
| Efficiency ratio | 75.3066% | 1,416 |
| Assets per employee ($millions) | 4.5463% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6307% | 4,766 |
| Loan loss allowance to noncurrent loans | 187.5938% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 3,392 |
| Noncurrent loans to loans | 0.3362% | 3,333 |
| Net loans and leases to total assets | 78.2346% | 1,102 |
| Net loans and leases to deposits | 100.3102% | 605 |
| Net loans and leases to core deposits | 111.3727% | 880 |
| Total domestic deposits to total assets | 77.9927% | 4,350 |
| Equity capital to assets | 10.3910% | 3,645 |
| Core capital (leverage) ratio | 9.1180% | 4,545 |
| Tier 1 risk-based capital ratio | 10.5302% | 5,068 |
| Total risk-based capital ratio | 11.1305% | 5,168 |
| Memoranda: | ||
| Average total assets | $618,265,000 | 1,196 |
| Average earning assets | $547,560,750 | 1,240 |
| Average equity | $65,069,250 | 1,295 |
| Average total loans | $480,897,250 | 1,119 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0652% | 1,311 |
| Cost of funding earning assets | 0.9406% | 1,965 |
| Net interest margin | 4.1246% | 1,538 |
| Noninterest income to average assets | 1.7531% | 320 |
| Noninterest expense to average assets | 4.2139% | 405 |
| Loan and lease loss provision to assets | 0.1013% | 1,849 |
| Net operating income to assets | 0.8425% | 3,500 |
| Return on assets (ROA) | 0.8480% | 3,537 |
| Pretax return on assets | 1.0951% | 3,244 |
| Return on Equity (ROE) | 8.0208% | 3,283 |
| Retained earnings to average equity (ytd only) | 8.0208% | 1,383 |
| Net charge-offs to loans | 0.0516% | 1,912 |
| Credit loss provision to net charge-offs | 253.7190% | 1,003 |
| Earnings coverage of net charge-offs (x) | 29.7934% | 1,470 |
| Efficiency ratio | 77.9861% | 1,154 |
| Assets per employee ($millions) | 4.1912% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6384% | 4,812 |
| Loan loss allowance to noncurrent loans | 164.5823% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 3,197 |
| Noncurrent loans to loans | 0.3879% | 3,138 |
| Net loans and leases to total assets | 78.9700% | 1,045 |
| Net loans and leases to deposits | 94.2414% | 1,234 |
| Net loans and leases to core deposits | 108.5593% | 1,059 |
| Total domestic deposits to total assets | 83.7955% | 2,950 |
| Equity capital to assets | 10.4312% | 3,586 |
| Core capital (leverage) ratio | 9.1854% | 4,477 |
| Tier 1 risk-based capital ratio | 10.5642% | 5,081 |
| Total risk-based capital ratio | 11.1760% | 5,187 |
| Memoranda: | ||
| Average total assets | $606,132,000 | 1,214 |
| Average earning assets | $536,442,330 | 1,262 |
| Average equity | $64,083,670 | 1,304 |
| Average total loans | $469,388,000 | 1,136 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0017% | 1,335 |
| Cost of funding earning assets | 0.9260% | 1,898 |
| Net interest margin | 4.0757% | 1,621 |
| Noninterest income to average assets | 1.5048% | 389 |
| Noninterest expense to average assets | 4.1825% | 414 |
| Loan and lease loss provision to assets | 0.0931% | 1,870 |
| Net operating income to assets | 0.6521% | 4,083 |
| Return on assets (ROA) | 0.6633% | 4,085 |
| Pretax return on assets | 0.8489% | 3,924 |
| Return on Equity (ROE) | 6.2297% | 3,947 |
| Retained earnings to average equity (ytd only) | 6.2297% | 2,357 |
| Net charge-offs to loans | -0.0601% | 4,881 |
| Credit loss provision to net charge-offs | -202.9412% | 3,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8434% | 889 |
| Assets per employee ($millions) | 3.7654% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7002% | 4,779 |
| Loan loss allowance to noncurrent loans | 162.8528% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 3,130 |
| Noncurrent loans to loans | 0.4300% | 3,039 |
| Net loans and leases to total assets | 76.0542% | 1,470 |
| Net loans and leases to deposits | 88.9671% | 1,749 |
| Net loans and leases to core deposits | 100.5943% | 1,566 |
| Total domestic deposits to total assets | 85.4858% | 2,490 |
| Equity capital to assets | 10.5920% | 3,259 |
| Core capital (leverage) ratio | 9.4838% | 4,150 |
| Tier 1 risk-based capital ratio | 10.9853% | 4,984 |
| Total risk-based capital ratio | 11.6415% | 5,120 |
| Memoranda: | ||
| Average total assets | $592,759,000 | 1,245 |
| Average earning assets | $524,380,500 | 1,289 |
| Average equity | $63,117,000 | 1,316 |
| Average total loans | $452,584,500 | 1,169 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9997% | 1,045 |
| Cost of funding earning assets | 0.6181% | 2,599 |
| Net interest margin | 4.3817% | 981 |
| Noninterest income to average assets | 1.9688% | 274 |
| Noninterest expense to average assets | 4.8679% | 224 |
| Loan and lease loss provision to assets | 0.0965% | 2,231 |
| Net operating income to assets | 0.6860% | 4,177 |
| Return on assets (ROA) | 0.6860% | 4,182 |
| Pretax return on assets | 0.8810% | 3,947 |
| Return on Equity (ROE) | 6.2299% | 4,099 |
| Retained earnings to average equity (ytd only) | 2.6573% | 4,075 |
| Net charge-offs to loans | -0.0112% | 4,528 |
| Credit loss provision to net charge-offs | -1,144.4444% | 4,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2778% | 694 |
| Assets per employee ($millions) | 3.5770% | 4,470 |
| Cash dividends to net income (ytd only)* | 57.3457% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6817% | 4,839 |
| Loan loss allowance to noncurrent loans | 157.1429% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.3886% | 3,007 |
| Noncurrent loans to loans | 0.4338% | 2,984 |
| Net loans and leases to total assets | 75.5872% | 1,674 |
| Net loans and leases to deposits | 91.9296% | 1,563 |
| Net loans and leases to core deposits | 100.9580% | 1,649 |
| Total domestic deposits to total assets | 82.2229% | 3,583 |
| Equity capital to assets | 10.7059% | 2,976 |
| Core capital (leverage) ratio | 9.5069% | 4,105 |
| Tier 1 risk-based capital ratio | 11.4057% | 4,770 |
| Total risk-based capital ratio | 12.0544% | 4,952 |
| Memoranda: | ||
| Average total assets | $533,819,000 | 1,323 |
| Average earning assets | $472,287,800 | 1,379 |
| Average equity | $58,781,000 | 1,344 |
| Average total loans | $402,050,000 | 1,255 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9815% | 971 |
| Cost of funding earning assets | 0.5489% | 2,864 |
| Net interest margin | 4.4325% | 843 |
| Noninterest income to average assets | 1.9819% | 280 |
| Noninterest expense to average assets | 4.9401% | 210 |
| Loan and lease loss provision to assets | 0.0583% | 2,808 |
| Net operating income to assets | 0.7041% | 4,210 |
| Return on assets (ROA) | 0.7041% | 4,217 |
| Pretax return on assets | 0.8997% | 4,024 |
| Return on Equity (ROE) | 6.3450% | 4,158 |
| Retained earnings to average equity (ytd only) | 1.5068% | 4,725 |
| Net charge-offs to loans | 0.0521% | 2,082 |
| Credit loss provision to net charge-offs | 149.0196% | 1,720 |
| Earnings coverage of net charge-offs (x) | 24.4908% | 1,812 |
| Efficiency ratio | 83.7581% | 654 |
| Assets per employee ($millions) | 3.3483% | 4,731 |
| Cash dividends to net income (ytd only)* | 76.2527% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6085% | 5,030 |
| Loan loss allowance to noncurrent loans | 113.0958% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 2,995 |
| Noncurrent loans to loans | 0.5380% | 2,772 |
| Net loans and leases to total assets | 73.7274% | 2,032 |
| Net loans and leases to deposits | 88.0903% | 2,142 |
| Net loans and leases to core deposits | 95.0258% | 2,208 |
| Total domestic deposits to total assets | 83.6952% | 3,050 |
| Equity capital to assets | 10.9154% | 2,738 |
| Core capital (leverage) ratio | 9.7736% | 3,873 |
| Tier 1 risk-based capital ratio | 11.9060% | 4,552 |
| Total risk-based capital ratio | 12.4817% | 4,830 |
| Memoranda: | ||
| Average total assets | $521,510,250 | 1,350 |
| Average earning assets | $460,762,750 | 1,415 |
| Average equity | $57,871,000 | 1,360 |
| Average total loans | $391,627,750 | 1,282 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9823% | 858 |
| Cost of funding earning assets | 0.5255% | 2,796 |
| Net interest margin | 4.4568% | 757 |
| Noninterest income to average assets | 2.0841% | 260 |
| Noninterest expense to average assets | 5.0925% | 205 |
| Loan and lease loss provision to assets | 0.0083% | 3,678 |
| Net operating income to assets | 0.7191% | 4,142 |
| Return on assets (ROA) | 0.7191% | 4,146 |
| Pretax return on assets | 0.9176% | 3,918 |
| Return on Equity (ROE) | 6.4415% | 4,081 |
| Retained earnings to average equity (ytd only) | 2.5611% | 4,236 |
| Net charge-offs to loans | 0.0334% | 2,184 |
| Credit loss provision to net charge-offs | 32.8125% | 2,614 |
| Earnings coverage of net charge-offs (x) | 36.7344% | 1,359 |
| Efficiency ratio | 84.6159% | 652 |
| Assets per employee ($millions) | 3.2291% | 4,901 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5957% | 5,110 |
| Loan loss allowance to noncurrent loans | 109.8956% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 2,929 |
| Noncurrent loans to loans | 0.5421% | 2,792 |
| Net loans and leases to total assets | 75.3629% | 1,743 |
| Net loans and leases to deposits | 89.2028% | 1,949 |
| Net loans and leases to core deposits | 95.2120% | 2,132 |
| Total domestic deposits to total assets | 84.4849% | 2,879 |
| Equity capital to assets | 11.4911% | 2,205 |
| Core capital (leverage) ratio | 10.2179% | 3,343 |
| Tier 1 risk-based capital ratio | 12.3204% | 4,296 |
| Total risk-based capital ratio | 12.8845% | 4,601 |
| Memoranda: | ||
| Average total assets | $507,843,670 | 1,392 |
| Average earning assets | $448,303,000 | 1,458 |
| Average equity | $56,694,670 | 1,385 |
| Average total loans | $383,082,670 | 1,302 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9909% | 711 |
| Cost of funding earning assets | 0.4894% | 2,875 |
| Net interest margin | 4.5015% | 617 |
| Noninterest income to average assets | 2.1760% | 245 |
| Noninterest expense to average assets | 5.2164% | 194 |
| Loan and lease loss provision to assets | 0.0203% | 3,269 |
| Net operating income to assets | 0.7243% | 4,006 |
| Return on assets (ROA) | 0.7243% | 4,013 |
| Pretax return on assets | 0.9114% | 3,814 |
| Return on Equity (ROE) | 6.5924% | 3,948 |
| Retained earnings to average equity (ytd only) | -1.5191% | 4,965 |
| Net charge-offs to loans | -0.0345% | 4,804 |
| Credit loss provision to net charge-offs | -78.1250% | 3,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8465% | 731 |
| Assets per employee ($millions) | 3.2156% | 4,984 |
| Cash dividends to net income (ytd only)* | 123.0425% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6374% | 5,122 |
| Loan loss allowance to noncurrent loans | 139.3246% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 2,897 |
| Noncurrent loans to loans | 0.4575% | 3,165 |
| Net loans and leases to total assets | 75.1512% | 1,682 |
| Net loans and leases to deposits | 90.9934% | 1,562 |
| Net loans and leases to core deposits | 96.8701% | 1,913 |
| Total domestic deposits to total assets | 82.5898% | 3,790 |
| Equity capital to assets | 11.7471% | 1,955 |
| Core capital (leverage) ratio | 10.5308% | 2,910 |
| Tier 1 risk-based capital ratio | 12.6384% | 4,149 |
| Total risk-based capital ratio | 13.2339% | 4,450 |
| Memoranda: | ||
| Average total assets | $493,748,500 | 1,437 |
| Average earning assets | $435,676,500 | 1,509 |
| Average equity | $54,244,000 | 1,443 |
| Average total loans | $371,428,000 | 1,339 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5972% | 1,440 |
| Cost of funding earning assets | 0.3288% | 3,885 |
| Net interest margin | 4.2683% | 1,041 |
| Noninterest income to average assets | 2.1537% | 264 |
| Noninterest expense to average assets | 4.6927% | 266 |
| Loan and lease loss provision to assets | 0.0016% | 4,208 |
| Net operating income to assets | 0.3531% | 4,821 |
| Return on assets (ROA) | 0.3531% | 4,843 |
| Pretax return on assets | 1.1916% | 2,807 |
| Return on Equity (ROE) | 3.2995% | 4,747 |
| Retained earnings to average equity (ytd only) | 3.2995% | 3,324 |
| Net charge-offs to loans | 0.0610% | 2,596 |
| Credit loss provision to net charge-offs | 3.5897% | 3,696 |
| Earnings coverage of net charge-offs (x) | 26.5795% | 1,669 |
| Efficiency ratio | 79.7278% | 1,132 |
| Assets per employee ($millions) | 3.3142% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7214% | 5,027 |
| Loan loss allowance to noncurrent loans | 182.1138% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 1,979 |
| Noncurrent loans to loans | 0.3961% | 3,339 |
| Net loans and leases to total assets | 74.1440% | 1,894 |
| Net loans and leases to deposits | 91.4248% | 1,597 |
| Net loans and leases to core deposits | 95.0819% | 2,111 |
| Total domestic deposits to total assets | 81.0983% | 4,099 |
| Equity capital to assets | 10.1833% | 3,508 |
| Core capital (leverage) ratio | 9.5963% | 3,921 |
| Tier 1 risk-based capital ratio | 11.7564% | 4,682 |
| Total risk-based capital ratio | 12.4315% | 4,921 |
| Memoranda: | ||
| Average total assets | $434,377,800 | 1,590 |
| Average earning assets | $379,820,800 | 1,673 |
| Average equity | $46,491,400 | 1,621 |
| Average total loans | $319,427,400 | 1,486 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5795% | 1,424 |
| Cost of funding earning assets | 0.3168% | 3,963 |
| Net interest margin | 4.2627% | 1,016 |
| Noninterest income to average assets | 2.2356% | 261 |
| Noninterest expense to average assets | 4.7219% | 262 |
| Loan and lease loss provision to assets | 0.0009% | 4,076 |
| Net operating income to assets | 0.8172% | 3,453 |
| Return on assets (ROA) | 0.8172% | 3,494 |
| Pretax return on assets | 1.2296% | 2,786 |
| Return on Equity (ROE) | 7.5372% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.5372% | 1,414 |
| Net charge-offs to loans | 0.0370% | 2,700 |
| Credit loss provision to net charge-offs | 3.4483% | 3,257 |
| Earnings coverage of net charge-offs (x) | 45.4701% | 1,190 |
| Efficiency ratio | 79.3269% | 1,178 |
| Assets per employee ($millions) | 3.3381% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7714% | 4,973 |
| Loan loss allowance to noncurrent loans | 365.2916% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 2,556 |
| Noncurrent loans to loans | 0.2112% | 4,226 |
| Net loans and leases to total assets | 72.7632% | 2,133 |
| Net loans and leases to deposits | 85.0399% | 2,428 |
| Net loans and leases to core deposits | 88.0438% | 2,766 |
| Total domestic deposits to total assets | 85.5636% | 2,493 |
| Equity capital to assets | 10.5375% | 3,334 |
| Core capital (leverage) ratio | 9.6638% | 3,971 |
| Tier 1 risk-based capital ratio | 11.7458% | 4,809 |
| Total risk-based capital ratio | 12.4644% | 5,027 |
| Memoranda: | ||
| Average total assets | $428,633,250 | 1,621 |
| Average earning assets | $373,745,250 | 1,707 |
| Average equity | $46,470,750 | 1,637 |
| Average total loans | $313,892,750 | 1,517 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5258% | 1,452 |
| Cost of funding earning assets | 0.2988% | 4,092 |
| Net interest margin | 4.2269% | 1,017 |
| Noninterest income to average assets | 2.3889% | 242 |
| Noninterest expense to average assets | 4.7436% | 264 |
| Loan and lease loss provision to assets | 0.1100% | 1,856 |
| Net operating income to assets | 0.8035% | 3,387 |
| Return on assets (ROA) | 0.8035% | 3,445 |
| Pretax return on assets | 1.2047% | 2,757 |
| Return on Equity (ROE) | 7.3367% | 3,374 |
| Retained earnings to average equity (ytd only) | 7.3367% | 1,432 |
| Net charge-offs to loans | 0.0052% | 3,284 |
| Credit loss provision to net charge-offs | 2,887.5000% | 150 |
| Earnings coverage of net charge-offs (x) | 345.2500% | 247 |
| Efficiency ratio | 78.2998% | 1,420 |
| Assets per employee ($millions) | 3.3455% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 4,628 |
| Loan loss allowance to noncurrent loans | 126.4848% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.0381% | 1,689 |
| Noncurrent loans to loans | 0.7146% | 2,607 |
| Net loans and leases to total assets | 72.4736% | 2,128 |
| Net loans and leases to deposits | 87.9878% | 1,985 |
| Net loans and leases to core deposits | 90.4459% | 2,482 |
| Total domestic deposits to total assets | 82.3678% | 3,779 |
| Equity capital to assets | 10.7946% | 3,039 |
| Core capital (leverage) ratio | 9.9170% | 3,639 |
| Tier 1 risk-based capital ratio | 11.9861% | 4,639 |
| Total risk-based capital ratio | 12.8261% | 4,794 |
| Memoranda: | ||
| Average total assets | $420,185,000 | 1,648 |
| Average earning assets | $364,755,670 | 1,746 |
| Average equity | $46,015,000 | 1,648 |
| Average total loans | $307,558,000 | 1,542 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 1,629 |
| Cost of funding earning assets | 0.2742% | 4,312 |
| Net interest margin | 4.1324% | 1,141 |
| Noninterest income to average assets | 2.6733% | 218 |
| Noninterest expense to average assets | 4.9145% | 243 |
| Loan and lease loss provision to assets | 0.1492% | 1,247 |
| Net operating income to assets | 0.7984% | 3,228 |
| Return on assets (ROA) | 0.7984% | 3,281 |
| Pretax return on assets | 1.1870% | 2,641 |
| Return on Equity (ROE) | 7.2362% | 3,303 |
| Retained earnings to average equity (ytd only) | 7.2362% | 1,771 |
| Net charge-offs to loans | 0.0185% | 2,417 |
| Credit loss provision to net charge-offs | 1,100.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 98.5000% | 541 |
| Efficiency ratio | 78.6235% | 1,547 |
| Assets per employee ($millions) | 3.1976% | 5,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 4,764 |
| Loan loss allowance to noncurrent loans | 114.4262% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.1590% | 1,524 |
| Noncurrent loans to loans | 0.7843% | 2,498 |
| Net loans and leases to total assets | 73.6054% | 1,804 |
| Net loans and leases to deposits | 89.2048% | 1,644 |
| Net loans and leases to core deposits | 91.6987% | 2,194 |
| Total domestic deposits to total assets | 82.5127% | 4,006 |
| Equity capital to assets | 10.9795% | 2,644 |
| Core capital (leverage) ratio | 10.1134% | 3,358 |
| Tier 1 risk-based capital ratio | 11.8841% | 4,788 |
| Total risk-based capital ratio | 12.7100% | 4,952 |
| Memoranda: | ||
| Average total assets | $412,817,000 | 1,685 |
| Average earning assets | $357,372,000 | 1,787 |
| Average equity | $45,548,500 | 1,663 |
| Average total loans | $302,298,000 | 1,569 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6082% | 1,262 |
| Cost of funding earning assets | 0.2174% | 4,862 |
| Net interest margin | 4.3908% | 787 |
| Noninterest income to average assets | 2.7203% | 229 |
| Noninterest expense to average assets | 5.0543% | 252 |
| Loan and lease loss provision to assets | 0.0023% | 4,305 |
| Net operating income to assets | 0.9584% | 2,542 |
| Return on assets (ROA) | 0.9606% | 2,642 |
| Pretax return on assets | 1.4522% | 1,745 |
| Return on Equity (ROE) | 8.1567% | 2,854 |
| Retained earnings to average equity (ytd only) | -4.9219% | 5,672 |
| Net charge-offs to loans | 0.0192% | 3,674 |
| Credit loss provision to net charge-offs | 16.3636% | 3,701 |
| Earnings coverage of net charge-offs (x) | 102.7818% | 589 |
| Efficiency ratio | 77.6932% | 1,738 |
| Assets per employee ($millions) | 3.2281% | 5,122 |
| Cash dividends to net income (ytd only)* | 160.3421% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 4,774 |
| Loan loss allowance to noncurrent loans | 102.4334% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.3421% | 1,292 |
| Noncurrent loans to loans | 0.8822% | 2,341 |
| Net loans and leases to total assets | 71.5011% | 2,240 |
| Net loans and leases to deposits | 85.8700% | 2,192 |
| Net loans and leases to core deposits | 90.6212% | 2,442 |
| Total domestic deposits to total assets | 83.2667% | 3,671 |
| Equity capital to assets | 11.0892% | 2,552 |
| Core capital (leverage) ratio | 9.9681% | 3,525 |
| Tier 1 risk-based capital ratio | 12.2094% | 4,570 |
| Total risk-based capital ratio | 13.0294% | 4,772 |
| Memoranda: | ||
| Average total assets | $389,549,600 | 1,726 |
| Average earning assets | $335,812,800 | 1,847 |
| Average equity | $45,876,400 | 1,645 |
| Average total loans | $286,466,800 | 1,582 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6504% | 1,186 |
| Cost of funding earning assets | 0.2053% | 5,014 |
| Net interest margin | 4.4451% | 707 |
| Noninterest income to average assets | 2.7088% | 235 |
| Noninterest expense to average assets | 5.0324% | 260 |
| Loan and lease loss provision to assets | 0.0048% | 4,135 |
| Net operating income to assets | 0.9917% | 2,473 |
| Return on assets (ROA) | 0.9947% | 2,600 |
| Pretax return on assets | 1.5055% | 1,694 |
| Return on Equity (ROE) | 8.3177% | 2,846 |
| Retained earnings to average equity (ytd only) | -9.0470% | 5,837 |
| Net charge-offs to loans | -0.0037% | 4,563 |
| Credit loss provision to net charge-offs | -175.0000% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9691% | 1,841 |
| Assets per employee ($millions) | 3.2813% | 5,071 |
| Cash dividends to net income (ytd only)* | 208.7685% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 4,876 |
| Loan loss allowance to noncurrent loans | 103.4614% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.2736% | 1,525 |
| Noncurrent loans to loans | 0.8686% | 2,517 |
| Net loans and leases to total assets | 73.7209% | 1,915 |
| Net loans and leases to deposits | 91.4458% | 1,571 |
| Net loans and leases to core deposits | 96.2128% | 1,971 |
| Total domestic deposits to total assets | 80.6171% | 4,352 |
| Equity capital to assets | 10.9443% | 3,066 |
| Core capital (leverage) ratio | 9.8733% | 3,727 |
| Tier 1 risk-based capital ratio | 11.6507% | 5,013 |
| Total risk-based capital ratio | 12.4786% | 5,146 |
| Memoranda: | ||
| Average total assets | $385,250,500 | 1,739 |
| Average earning assets | $331,894,250 | 1,865 |
| Average equity | $46,069,250 | 1,647 |
| Average total loans | $284,713,500 | 1,593 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7159% | 1,019 |
| Cost of funding earning assets | 0.1974% | 5,174 |
| Net interest margin | 4.5185% | 594 |
| Noninterest income to average assets | 2.3532% | 275 |
| Noninterest expense to average assets | 4.9344% | 280 |
| Loan and lease loss provision to assets | 0.0037% | 3,967 |
| Net operating income to assets | 0.8639% | 3,032 |
| Return on assets (ROA) | 0.8639% | 3,148 |
| Pretax return on assets | 1.3030% | 2,397 |
| Return on Equity (ROE) | 7.0112% | 3,528 |
| Retained earnings to average equity (ytd only) | -16.6029% | 5,947 |
| Net charge-offs to loans | 0.0301% | 2,872 |
| Credit loss provision to net charge-offs | 16.6667% | 2,956 |
| Earnings coverage of net charge-offs (x) | 58.8095% | 898 |
| Efficiency ratio | 79.0625% | 1,627 |
| Assets per employee ($millions) | 3.3228% | 5,027 |
| Cash dividends to net income (ytd only)* | 336.8034% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 4,836 |
| Loan loss allowance to noncurrent loans | 100.9860% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.3682% | 1,443 |
| Noncurrent loans to loans | 0.9227% | 2,430 |
| Net loans and leases to total assets | 74.0961% | 1,823 |
| Net loans and leases to deposits | 87.3039% | 2,094 |
| Net loans and leases to core deposits | 92.9747% | 2,260 |
| Total domestic deposits to total assets | 84.8715% | 2,932 |
| Equity capital to assets | 11.4689% | 2,576 |
| Core capital (leverage) ratio | 9.8493% | 3,752 |
| Tier 1 risk-based capital ratio | 11.3990% | 5,214 |
| Total risk-based capital ratio | 12.2193% | 5,366 |
| Memoranda: | ||
| Average total assets | $378,041,000 | 1,771 |
| Average earning assets | $325,285,330 | 1,901 |
| Average equity | $46,582,330 | 1,631 |
| Average total loans | $278,726,330 | 1,626 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6043% | 1,254 |
| Cost of funding earning assets | 0.1902% | 5,282 |
| Net interest margin | 4.4141% | 716 |
| Noninterest income to average assets | 1.9628% | 347 |
| Noninterest expense to average assets | 4.8021% | 309 |
| Loan and lease loss provision to assets | -0.0021% | 5,860 |
| Net operating income to assets | 0.6394% | 4,026 |
| Return on assets (ROA) | 0.6394% | 4,143 |
| Pretax return on assets | 0.9649% | 3,596 |
| Return on Equity (ROE) | 5.0124% | 4,479 |
| Retained earnings to average equity (ytd only) | 5.0124% | 2,934 |
| Net charge-offs to loans | -0.0262% | 4,999 |
| Credit loss provision to net charge-offs | 11.1111% | 2,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2995% | 1,225 |
| Assets per employee ($millions) | 3.3795% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 4,747 |
| Loan loss allowance to noncurrent loans | 117.8463% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.3886% | 1,498 |
| Noncurrent loans to loans | 0.8261% | 2,772 |
| Net loans and leases to total assets | 72.9356% | 1,893 |
| Net loans and leases to deposits | 88.5671% | 1,757 |
| Net loans and leases to core deposits | 94.4289% | 1,947 |
| Total domestic deposits to total assets | 82.3506% | 4,102 |
| Equity capital to assets | 12.7588% | 1,532 |
| Core capital (leverage) ratio | 11.3568% | 2,089 |
| Tier 1 risk-based capital ratio | 12.8772% | 4,340 |
| Total risk-based capital ratio | 13.7273% | 4,505 |
| Memoranda: | ||
| Average total assets | $376,001,500 | 1,784 |
| Average earning assets | $323,872,000 | 1,915 |
| Average equity | $47,961,000 | 1,579 |
| Average total loans | $275,190,000 | 1,639 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6412% | 1,237 |
| Cost of funding earning assets | 0.1881% | 5,377 |
| Net interest margin | 4.4531% | 711 |
| Noninterest income to average assets | 2.0635% | 347 |
| Noninterest expense to average assets | 4.9498% | 288 |
| Loan and lease loss provision to assets | 0.2071% | 1,024 |
| Net operating income to assets | 2.2411% | 231 |
| Return on assets (ROA) | 2.2438% | 236 |
| Pretax return on assets | 0.7606% | 4,335 |
| Return on Equity (ROE) | 18.4067% | 354 |
| Retained earnings to average equity (ytd only) | 9.9209% | 469 |
| Net charge-offs to loans | 0.4030% | 708 |
| Credit loss provision to net charge-offs | 71.6651% | 3,094 |
| Earnings coverage of net charge-offs (x) | 3.3395% | 3,745 |
| Efficiency ratio | 83.6847% | 1,209 |
| Assets per employee ($millions) | 3.1653% | 5,330 |
| Cash dividends to net income (ytd only)* | 46.1019% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 4,653 |
| Loan loss allowance to noncurrent loans | 81.5599% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.5569% | 1,275 |
| Noncurrent loans to loans | 1.2179% | 1,936 |
| Net loans and leases to total assets | 71.9959% | 2,052 |
| Net loans and leases to deposits | 88.3020% | 1,839 |
| Net loans and leases to core deposits | 93.1286% | 2,122 |
| Total domestic deposits to total assets | 81.5337% | 4,325 |
| Equity capital to assets | 12.7523% | 1,487 |
| Core capital (leverage) ratio | 10.8668% | 2,535 |
| Tier 1 risk-based capital ratio | 12.9274% | 4,372 |
| Total risk-based capital ratio | 13.7940% | 4,503 |
| Memoranda: | ||
| Average total assets | $376,154,000 | 1,744 |
| Average earning assets | $325,323,400 | 1,865 |
| Average equity | $45,852,800 | 1,609 |
| Average total loans | $269,749,600 | 1,619 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6310% | 1,256 |
| Cost of funding earning assets | 0.1881% | 5,471 |
| Net interest margin | 4.4430% | 731 |
| Noninterest income to average assets | 1.7239% | 443 |
| Noninterest expense to average assets | 4.8659% | 315 |
| Loan and lease loss provision to assets | 0.0676% | 2,827 |
| Net operating income to assets | 2.7326% | 117 |
| Return on assets (ROA) | 2.7362% | 118 |
| Pretax return on assets | 0.6394% | 4,866 |
| Return on Equity (ROE) | 22.7059% | 172 |
| Retained earnings to average equity (ytd only) | 13.4215% | 244 |
| Net charge-offs to loans | 0.2644% | 1,001 |
| Credit loss provision to net charge-offs | 35.7678% | 3,210 |
| Earnings coverage of net charge-offs (x) | 3.7229% | 3,461 |
| Efficiency ratio | 87.3698% | 906 |
| Assets per employee ($millions) | 3.2699% | 5,173 |
| Cash dividends to net income (ytd only)* | 40.8896% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 4,948 |
| Loan loss allowance to noncurrent loans | 143.7905% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 1.8647% | 1,126 |
| Noncurrent loans to loans | 0.6657% | 3,333 |
| Net loans and leases to total assets | 71.4128% | 2,154 |
| Net loans and leases to deposits | 94.5011% | 1,136 |
| Net loans and leases to core deposits | 101.4973% | 1,411 |
| Total domestic deposits to total assets | 75.5682% | 5,561 |
| Equity capital to assets | 12.3692% | 1,815 |
| Core capital (leverage) ratio | 10.7519% | 2,769 |
| Tier 1 risk-based capital ratio | 12.9358% | 4,461 |
| Total risk-based capital ratio | 13.7976% | 4,625 |
| Memoranda: | ||
| Average total assets | $376,817,000 | 1,755 |
| Average earning assets | $326,139,000 | 1,873 |
| Average equity | $45,408,500 | 1,630 |
| Average total loans | $269,286,000 | 1,628 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6106% | 1,256 |
| Cost of funding earning assets | 0.2016% | 5,421 |
| Net interest margin | 4.4090% | 748 |
| Noninterest income to average assets | 1.5249% | 547 |
| Noninterest expense to average assets | 4.8860% | 312 |
| Loan and lease loss provision to assets | 0.0861% | 2,387 |
| Net operating income to assets | 3.7426% | 66 |
| Return on assets (ROA) | 3.7479% | 65 |
| Pretax return on assets | 0.3852% | 5,501 |
| Return on Equity (ROE) | 31.3875% | 54 |
| Retained earnings to average equity (ytd only) | 31.3875% | 27 |
| Net charge-offs to loans | 0.4559% | 563 |
| Credit loss provision to net charge-offs | 26.5239% | 2,958 |
| Earnings coverage of net charge-offs (x) | 1.4349% | 3,511 |
| Efficiency ratio | 91.2926% | 670 |
| Assets per employee ($millions) | 3.2429% | 5,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 5,189 |
| Loan loss allowance to noncurrent loans | 125.9223% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 2.0141% | 1,091 |
| Noncurrent loans to loans | 0.7373% | 3,268 |
| Net loans and leases to total assets | 71.9964% | 1,978 |
| Net loans and leases to deposits | 94.6275% | 1,088 |
| Net loans and leases to core deposits | 101.4729% | 1,363 |
| Total domestic deposits to total assets | 76.0840% | 5,587 |
| Equity capital to assets | 12.3764% | 1,748 |
| Core capital (leverage) ratio | 10.8970% | 2,522 |
| Tier 1 risk-based capital ratio | 12.4975% | 4,806 |
| Total risk-based capital ratio | 13.3113% | 5,002 |
| Memoranda: | ||
| Average total assets | $373,804,670 | 1,780 |
| Average earning assets | $324,470,670 | 1,891 |
| Average equity | $44,635,670 | 1,675 |
| Average total loans | $266,310,670 | 1,653 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5656% | 1,300 |
| Cost of funding earning assets | 0.2280% | 5,237 |
| Net interest margin | 4.3376% | 814 |
| Noninterest income to average assets | 1.2270% | 753 |
| Noninterest expense to average assets | 4.2846% | 510 |
| Loan and lease loss provision to assets | 0.0830% | 2,313 |
| Net operating income to assets | 0.6297% | 4,146 |
| Return on assets (ROA) | 0.6297% | 4,259 |
| Pretax return on assets | 0.6534% | 4,748 |
| Return on Equity (ROE) | 5.3733% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.3733% | 2,847 |
| Net charge-offs to loans | 0.4862% | 515 |
| Credit loss provision to net charge-offs | 24.2138% | 2,326 |
| Earnings coverage of net charge-offs (x) | 2.1478% | 2,816 |
| Efficiency ratio | 85.3339% | 1,239 |
| Assets per employee ($millions) | 3.0500% | 5,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 4,752 |
| Loan loss allowance to noncurrent loans | 67.7530% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 1.6172% | 1,578 |
| Noncurrent loans to loans | 1.5522% | 1,807 |
| Net loans and leases to total assets | 69.3446% | 2,229 |
| Net loans and leases to deposits | 88.3078% | 1,585 |
| Net loans and leases to core deposits | 96.9656% | 1,553 |
| Total domestic deposits to total assets | 78.5261% | 5,347 |
| Equity capital to assets | 11.6706% | 2,322 |
| Core capital (leverage) ratio | 11.6631% | 1,879 |
| Tier 1 risk-based capital ratio | 14.2938% | 3,829 |
| Total risk-based capital ratio | 15.2191% | 3,960 |
| Memoranda: | ||
| Average total assets | $370,999,000 | 1,798 |
| Average earning assets | $324,511,500 | 1,901 |
| Average equity | $43,474,500 | 1,713 |
| Average total loans | $261,603,000 | 1,673 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8391% | 1,029 |
| Cost of funding earning assets | 0.2912% | 4,877 |
| Net interest margin | 4.5479% | 682 |
| Noninterest income to average assets | 1.2808% | 740 |
| Noninterest expense to average assets | 4.4426% | 486 |
| Loan and lease loss provision to assets | 0.1956% | 1,308 |
| Net operating income to assets | 1.3747% | 1,131 |
| Return on assets (ROA) | 1.3761% | 1,171 |
| Pretax return on assets | 0.5948% | 4,960 |
| Return on Equity (ROE) | 12.2890% | 1,327 |
| Retained earnings to average equity (ytd only) | 12.2890% | 276 |
| Net charge-offs to loans | 0.2388% | 1,772 |
| Credit loss provision to net charge-offs | 118.0602% | 2,033 |
| Earnings coverage of net charge-offs (x) | 4.7625% | 3,571 |
| Efficiency ratio | 84.9177% | 1,299 |
| Assets per employee ($millions) | 3.5617% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 4,254 |
| Loan loss allowance to noncurrent loans | 68.2251% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 1.8672% | 1,384 |
| Noncurrent loans to loans | 1.6927% | 1,729 |
| Net loans and leases to total assets | 70.1349% | 2,222 |
| Net loans and leases to deposits | 89.2333% | 1,592 |
| Net loans and leases to core deposits | 98.7602% | 1,484 |
| Total domestic deposits to total assets | 78.5972% | 5,330 |
| Equity capital to assets | 11.7669% | 2,198 |
| Core capital (leverage) ratio | 11.2782% | 2,159 |
| Tier 1 risk-based capital ratio | 13.9275% | 4,143 |
| Total risk-based capital ratio | 14.9474% | 4,233 |
| Memoranda: | ||
| Average total assets | $360,939,000 | 1,803 |
| Average earning assets | $313,549,400 | 1,914 |
| Average equity | $40,418,200 | 1,762 |
| Average total loans | $250,407,400 | 1,685 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7526% | 1,186 |
| Cost of funding earning assets | 0.3085% | 4,798 |
| Net interest margin | 4.4441% | 823 |
| Noninterest income to average assets | 1.3027% | 716 |
| Noninterest expense to average assets | 4.5074% | 458 |
| Loan and lease loss provision to assets | 0.0363% | 3,679 |
| Net operating income to assets | 1.7185% | 596 |
| Return on assets (ROA) | 1.7203% | 617 |
| Pretax return on assets | 0.6183% | 4,969 |
| Return on Equity (ROE) | 15.5643% | 739 |
| Retained earnings to average equity (ytd only) | 15.5643% | 182 |
| Net charge-offs to loans | 0.0495% | 3,507 |
| Credit loss provision to net charge-offs | 106.5217% | 2,089 |
| Earnings coverage of net charge-offs (x) | 19.1310% | 1,803 |
| Efficiency ratio | 87.3491% | 1,064 |
| Assets per employee ($millions) | 3.7084% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 4,627 |
| Loan loss allowance to noncurrent loans | 52.3999% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 2.0567% | 1,382 |
| Noncurrent loans to loans | 2.1509% | 1,429 |
| Net loans and leases to total assets | 69.3909% | 2,291 |
| Net loans and leases to deposits | 86.2425% | 1,882 |
| Net loans and leases to core deposits | 95.2501% | 1,736 |
| Total domestic deposits to total assets | 80.4602% | 4,974 |
| Equity capital to assets | 11.6710% | 2,343 |
| Core capital (leverage) ratio | 11.2890% | 2,223 |
| Tier 1 risk-based capital ratio | 13.9169% | 4,281 |
| Total risk-based capital ratio | 14.9094% | 4,382 |
| Memoranda: | ||
| Average total assets | $359,461,250 | 1,827 |
| Average earning assets | $312,016,250 | 1,931 |
| Average equity | $39,731,000 | 1,797 |
| Average total loans | $247,935,250 | 1,712 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7275% | 1,230 |
| Cost of funding earning assets | 0.3386% | 4,551 |
| Net interest margin | 4.3890% | 867 |
| Noninterest income to average assets | 1.2261% | 779 |
| Noninterest expense to average assets | 4.4830% | 459 |
| Loan and lease loss provision to assets | 0.0258% | 3,759 |
| Net operating income to assets | 0.5167% | 4,740 |
| Return on assets (ROA) | 0.5195% | 4,822 |
| Pretax return on assets | 0.5195% | 5,226 |
| Return on Equity (ROE) | 4.7917% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.7917% | 3,094 |
| Net charge-offs to loans | 0.0687% | 3,016 |
| Credit loss provision to net charge-offs | 54.7619% | 2,717 |
| Earnings coverage of net charge-offs (x) | 11.5238% | 2,152 |
| Efficiency ratio | 89.2061% | 973 |
| Assets per employee ($millions) | 3.5955% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 4,627 |
| Loan loss allowance to noncurrent loans | 50.6293% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 3.5553% | 643 |
| Noncurrent loans to loans | 2.2885% | 1,421 |
| Net loans and leases to total assets | 67.0917% | 2,564 |
| Net loans and leases to deposits | 81.7256% | 2,281 |
| Net loans and leases to core deposits | 90.5036% | 2,076 |
| Total domestic deposits to total assets | 82.0938% | 4,610 |
| Equity capital to assets | 10.7783% | 3,117 |
| Core capital (leverage) ratio | 11.0514% | 2,369 |
| Tier 1 risk-based capital ratio | 13.7169% | 4,436 |
| Total risk-based capital ratio | 14.7212% | 4,543 |
| Memoranda: | ||
| Average total assets | $356,904,000 | 1,838 |
| Average earning assets | $308,955,000 | 1,949 |
| Average equity | $38,692,000 | 1,827 |
| Average total loans | $244,693,330 | 1,728 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7534% | 1,142 |
| Cost of funding earning assets | 0.3983% | 3,990 |
| Net interest margin | 4.3551% | 884 |
| Noninterest income to average assets | 1.2234% | 735 |
| Noninterest expense to average assets | 4.5067% | 456 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4749% | 4,812 |
| Return on assets (ROA) | 0.4805% | 4,859 |
| Pretax return on assets | 0.4805% | 5,227 |
| Return on Equity (ROE) | 4.4193% | 4,831 |
| Retained earnings to average equity (ytd only) | 4.4193% | 3,472 |
| Net charge-offs to loans | 0.1493% | 1,820 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.6154% | 2,499 |
| Efficiency ratio | 90.4675% | 989 |
| Assets per employee ($millions) | 3.3927% | 5,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 4,871 |
| Loan loss allowance to noncurrent loans | 36.4594% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 4.2297% | 534 |
| Noncurrent loans to loans | 3.1550% | 979 |
| Net loans and leases to total assets | 68.2672% | 2,183 |
| Net loans and leases to deposits | 83.4478% | 1,884 |
| Net loans and leases to core deposits | 92.9061% | 1,646 |
| Total domestic deposits to total assets | 81.8083% | 4,993 |
| Equity capital to assets | 10.9546% | 2,761 |
| Core capital (leverage) ratio | 11.0838% | 2,318 |
| Tier 1 risk-based capital ratio | 13.5649% | 4,632 |
| Total risk-based capital ratio | 14.5524% | 4,754 |
| Memoranda: | ||
| Average total assets | $353,782,000 | 1,857 |
| Average earning assets | $305,299,000 | 1,981 |
| Average equity | $38,467,500 | 1,832 |
| Average total loans | $243,791,000 | 1,732 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5129% | 2,158 |
| Cost of funding earning assets | 0.6793% | 1,966 |
| Net interest margin | 3.8335% | 2,524 |
| Noninterest income to average assets | -0.0855% | 6,714 |
| Noninterest expense to average assets | 4.5846% | 488 |
| Loan and lease loss provision to assets | 0.1590% | 2,295 |
| Net operating income to assets | -1.9129% | 6,706 |
| Return on assets (ROA) | -1.9040% | 6,703 |
| Pretax return on assets | -1.5399% | 6,668 |
| Return on Equity (ROE) | -16.4810% | 6,662 |
| Retained earnings to average equity (ytd only) | -16.4810% | 6,640 |
| Net charge-offs to loans | 0.7504% | 850 |
| Credit loss provision to net charge-offs | 32.3779% | 4,198 |
| Earnings coverage of net charge-offs (x) | -2.8296% | 5,347 |
| Efficiency ratio | 143.4971% | 74 |
| Assets per employee ($millions) | 3.5831% | 4,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 4,729 |
| Loan loss allowance to noncurrent loans | 33.0252% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 4.9883% | 472 |
| Noncurrent loans to loans | 3.5928% | 857 |
| Net loans and leases to total assets | 67.9432% | 2,366 |
| Net loans and leases to deposits | 84.3201% | 1,888 |
| Net loans and leases to core deposits | 94.4753% | 1,563 |
| Total domestic deposits to total assets | 80.5777% | 5,297 |
| Equity capital to assets | 10.7922% | 2,824 |
| Core capital (leverage) ratio | 10.6690% | 2,704 |
| Tier 1 risk-based capital ratio | 13.3381% | 4,758 |
| Total risk-based capital ratio | 14.3518% | 4,861 |
| Memoranda: | ||
| Average total assets | $383,607,800 | 1,713 |
| Average earning assets | $328,261,200 | 1,809 |
| Average equity | $44,317,600 | 1,582 |
| Average total loans | $251,054,000 | 1,655 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 2,354 |
| Cost of funding earning assets | 0.7455% | 1,635 |
| Net interest margin | 3.7225% | 2,948 |
| Noninterest income to average assets | 0.5346% | 3,562 |
| Noninterest expense to average assets | 4.3063% | 629 |
| Loan and lease loss provision to assets | 0.2081% | 1,745 |
| Net operating income to assets | -0.7976% | 6,670 |
| Return on assets (ROA) | -0.7860% | 6,675 |
| Pretax return on assets | -0.7860% | 6,658 |
| Return on Equity (ROE) | -6.7034% | 6,644 |
| Retained earnings to average equity (ytd only) | -6.7034% | 6,562 |
| Net charge-offs to loans | 0.9903% | 578 |
| Credit loss provision to net charge-offs | 32.4814% | 3,846 |
| Earnings coverage of net charge-offs (x) | -0.9201% | 5,002 |
| Efficiency ratio | 115.8605% | 204 |
| Assets per employee ($millions) | 3.7654% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 4,728 |
| Loan loss allowance to noncurrent loans | 32.4745% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 6.3187% | 354 |
| Noncurrent loans to loans | 3.7967% | 955 |
| Net loans and leases to total assets | 64.2439% | 2,962 |
| Net loans and leases to deposits | 77.4923% | 2,742 |
| Net loans and leases to core deposits | 88.4979% | 2,131 |
| Total domestic deposits to total assets | 82.9036% | 4,617 |
| Equity capital to assets | 12.0054% | 1,914 |
| Core capital (leverage) ratio | 11.6599% | 1,909 |
| Tier 1 risk-based capital ratio | 15.3126% | 3,560 |
| Total risk-based capital ratio | 16.3431% | 3,643 |
| Memoranda: | ||
| Average total assets | $390,828,000 | 1,698 |
| Average earning assets | $334,106,500 | 1,788 |
| Average equity | $45,826,250 | 1,541 |
| Average total loans | $252,840,750 | 1,641 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4354% | 2,438 |
| Cost of funding earning assets | 0.8021% | 1,398 |
| Net interest margin | 3.6332% | 3,232 |
| Noninterest income to average assets | 0.9481% | 1,666 |
| Noninterest expense to average assets | 4.0438% | 825 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0180% | 6,285 |
| Return on assets (ROA) | 0.0349% | 6,335 |
| Pretax return on assets | 0.0349% | 6,318 |
| Return on Equity (ROE) | 0.3002% | 6,342 |
| Retained earnings to average equity (ytd only) | 0.3002% | 5,774 |
| Net charge-offs to loans | 0.4846% | 1,358 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.0574% | 4,527 |
| Efficiency ratio | 99.5575% | 503 |
| Assets per employee ($millions) | 3.6869% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 3,808 |
| Loan loss allowance to noncurrent loans | 29.1406% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 7.4594% | 303 |
| Noncurrent loans to loans | 4.9769% | 655 |
| Net loans and leases to total assets | 63.3433% | 3,036 |
| Net loans and leases to deposits | 76.4675% | 2,810 |
| Net loans and leases to core deposits | 88.9307% | 2,009 |
| Total domestic deposits to total assets | 82.8369% | 4,769 |
| Equity capital to assets | 12.1559% | 1,804 |
| Core capital (leverage) ratio | 11.5220% | 1,919 |
| Tier 1 risk-based capital ratio | 15.5382% | 3,460 |
| Total risk-based capital ratio | 16.7483% | 3,437 |
| Memoranda: | ||
| Average total assets | $400,610,670 | 1,652 |
| Average earning assets | $343,329,000 | 1,749 |
| Average equity | $46,636,000 | 1,517 |
| Average total loans | $258,745,000 | 1,606 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 2,583 |
| Cost of funding earning assets | 0.8419% | 1,296 |
| Net interest margin | 3.5408% | 3,517 |
| Noninterest income to average assets | 1.0393% | 1,369 |
| Noninterest expense to average assets | 3.9295% | 964 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1547% | 6,027 |
| Return on assets (ROA) | 0.1547% | 6,124 |
| Pretax return on assets | 0.1547% | 6,163 |
| Return on Equity (ROE) | 1.3569% | 6,130 |
| Retained earnings to average equity (ytd only) | 1.3569% | 5,304 |
| Net charge-offs to loans | -0.0466% | 6,100 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2116% | 723 |
| Assets per employee ($millions) | 4.0000% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 3,412 |
| Loan loss allowance to noncurrent loans | 20.9001% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 8.7033% | 269 |
| Noncurrent loans to loans | 7.6401% | 362 |
| Net loans and leases to total assets | 64.0366% | 2,703 |
| Net loans and leases to deposits | 76.3093% | 2,588 |
| Net loans and leases to core deposits | 92.6037% | 1,447 |
| Total domestic deposits to total assets | 83.9172% | 4,513 |
| Equity capital to assets | 11.5993% | 2,331 |
| Core capital (leverage) ratio | 11.0160% | 2,251 |
| Tier 1 risk-based capital ratio | 14.5471% | 4,143 |
| Total risk-based capital ratio | 15.7976% | 4,104 |
| Memoranda: | ||
| Average total assets | $411,040,500 | 1,632 |
| Average earning assets | $353,475,000 | 1,722 |
| Average equity | $46,873,000 | 1,534 |
| Average total loans | $266,074,000 | 1,583 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7383% | 2,434 |
| Cost of funding earning assets | 1.0622% | 1,064 |
| Net interest margin | 3.6761% | 3,758 |
| Noninterest income to average assets | 0.7869% | 2,321 |
| Noninterest expense to average assets | 3.8653% | 1,142 |
| Loan and lease loss provision to assets | 0.4214% | 1,510 |
| Net operating income to assets | -0.3137% | 6,453 |
| Return on assets (ROA) | 0.0695% | 6,204 |
| Pretax return on assets | 0.0710% | 6,193 |
| Return on Equity (ROE) | 0.6801% | 6,188 |
| Retained earnings to average equity (ytd only) | 0.6801% | 5,527 |
| Net charge-offs to loans | 1.9046% | 400 |
| Credit loss provision to net charge-offs | 35.2409% | 5,018 |
| Earnings coverage of net charge-offs (x) | 0.0848% | 5,447 |
| Efficiency ratio | 97.4451% | 647 |
| Assets per employee ($millions) | 4.0989% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 3,533 |
| Loan loss allowance to noncurrent loans | 19.8627% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 8.6751% | 301 |
| Noncurrent loans to loans | 7.7918% | 381 |
| Net loans and leases to total assets | 63.4028% | 2,992 |
| Net loans and leases to deposits | 75.0480% | 2,957 |
| Net loans and leases to core deposits | 92.8027% | 1,570 |
| Total domestic deposits to total assets | 84.4830% | 4,090 |
| Equity capital to assets | 11.2143% | 2,714 |
| Core capital (leverage) ratio | 10.3969% | 2,887 |
| Tier 1 risk-based capital ratio | 14.4676% | 4,057 |
| Total risk-based capital ratio | 15.7185% | 4,008 |
| Memoranda: | ||
| Average total assets | $461,803,000 | 1,427 |
| Average earning assets | $399,443,200 | 1,508 |
| Average equity | $47,198,800 | 1,482 |
| Average total loans | $289,932,600 | 1,449 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8050% | 2,377 |
| Cost of funding earning assets | 1.1023% | 1,057 |
| Net interest margin | 3.7027% | 3,789 |
| Noninterest income to average assets | 0.7666% | 2,400 |
| Noninterest expense to average assets | 3.9065% | 1,055 |
| Loan and lease loss provision to assets | 0.2682% | 2,431 |
| Net operating income to assets | -0.2031% | 6,504 |
| Return on assets (ROA) | 0.3063% | 5,796 |
| Pretax return on assets | 0.3063% | 5,941 |
| Return on Equity (ROE) | 3.0627% | 5,659 |
| Retained earnings to average equity (ytd only) | 3.0627% | 4,720 |
| Net charge-offs to loans | 1.9667% | 374 |
| Credit loss provision to net charge-offs | 21.8470% | 4,928 |
| Earnings coverage of net charge-offs (x) | 0.0531% | 5,309 |
| Efficiency ratio | 98.3596% | 592 |
| Assets per employee ($millions) | 4.1418% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 3,790 |
| Loan loss allowance to noncurrent loans | 19.6630% | 6,494 |
| Noncurrent assets plus other real estate owned to assets | 8.5270% | 342 |
| Noncurrent loans to loans | 7.8135% | 415 |
| Net loans and leases to total assets | 63.3690% | 3,140 |
| Net loans and leases to deposits | 75.5428% | 3,054 |
| Net loans and leases to core deposits | 95.6304% | 1,438 |
| Total domestic deposits to total assets | 83.8849% | 4,276 |
| Equity capital to assets | 10.8922% | 3,389 |
| Core capital (leverage) ratio | 10.1783% | 3,308 |
| Tier 1 risk-based capital ratio | 14.1144% | 4,445 |
| Total risk-based capital ratio | 15.3653% | 4,408 |
| Memoranda: | ||
| Average total assets | $472,732,750 | 1,414 |
| Average earning assets | $409,200,750 | 1,491 |
| Average equity | $47,277,250 | 1,490 |
| Average total loans | $295,104,750 | 1,436 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 2,730 |
| Cost of funding earning assets | 1.1493% | 1,032 |
| Net interest margin | 3.5977% | 4,272 |
| Noninterest income to average assets | 0.6781% | 2,785 |
| Noninterest expense to average assets | 3.6238% | 1,530 |
| Loan and lease loss provision to assets | 0.2480% | 2,585 |
| Net operating income to assets | -0.0851% | 6,419 |
| Return on assets (ROA) | 0.1248% | 6,268 |
| Pretax return on assets | 0.1248% | 6,272 |
| Return on Equity (ROE) | 1.2825% | 6,243 |
| Retained earnings to average equity (ytd only) | 1.2825% | 5,556 |
| Net charge-offs to loans | 2.0722% | 390 |
| Credit loss provision to net charge-offs | 19.3486% | 4,616 |
| Earnings coverage of net charge-offs (x) | 0.1271% | 5,014 |
| Efficiency ratio | 95.7001% | 714 |
| Assets per employee ($millions) | 4.3209% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8011% | 2,854 |
| Loan loss allowance to noncurrent loans | 29.0786% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 8.5541% | 380 |
| Noncurrent loans to loans | 6.1940% | 697 |
| Net loans and leases to total assets | 60.6817% | 3,688 |
| Net loans and leases to deposits | 70.8801% | 3,778 |
| Net loans and leases to core deposits | 90.7883% | 1,897 |
| Total domestic deposits to total assets | 85.6118% | 3,560 |
| Equity capital to assets | 10.0652% | 4,240 |
| Core capital (leverage) ratio | 9.6389% | 3,940 |
| Tier 1 risk-based capital ratio | 13.1781% | 5,055 |
| Total risk-based capital ratio | 14.4313% | 5,028 |
| Memoranda: | ||
| Average total assets | $483,967,000 | 1,391 |
| Average earning assets | $418,154,330 | 1,457 |
| Average equity | $47,096,330 | 1,482 |
| Average total loans | $299,289,670 | 1,422 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8329% | 2,513 |
| Cost of funding earning assets | 1.2028% | 971 |
| Net interest margin | 3.6301% | 4,127 |
| Noninterest income to average assets | 0.8156% | 2,085 |
| Noninterest expense to average assets | 3.5265% | 1,701 |
| Loan and lease loss provision to assets | 0.4893% | 1,243 |
| Net operating income to assets | -0.0644% | 6,495 |
| Return on assets (ROA) | 0.0669% | 6,418 |
| Pretax return on assets | 0.0669% | 6,428 |
| Return on Equity (ROE) | 0.6987% | 6,405 |
| Retained earnings to average equity (ytd only) | 0.6987% | 5,782 |
| Net charge-offs to loans | 3.4197% | 193 |
| Credit loss provision to net charge-offs | 23.1303% | 3,736 |
| Earnings coverage of net charge-offs (x) | 0.2008% | 4,265 |
| Efficiency ratio | 89.2466% | 1,155 |
| Assets per employee ($millions) | 4.4540% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9357% | 2,572 |
| Loan loss allowance to noncurrent loans | 25.2238% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 9.5996% | 331 |
| Noncurrent loans to loans | 7.6742% | 529 |
| Net loans and leases to total assets | 59.9916% | 3,666 |
| Net loans and leases to deposits | 69.6198% | 3,783 |
| Net loans and leases to core deposits | 89.0694% | 1,942 |
| Total domestic deposits to total assets | 86.1704% | 3,430 |
| Equity capital to assets | 9.6690% | 4,562 |
| Core capital (leverage) ratio | 9.2510% | 4,444 |
| Tier 1 risk-based capital ratio | 12.8007% | 5,362 |
| Total risk-based capital ratio | 14.0554% | 5,334 |
| Memoranda: | ||
| Average total assets | $490,462,000 | 1,373 |
| Average earning assets | $423,678,000 | 1,446 |
| Average equity | $46,942,000 | 1,482 |
| Average total loans | $303,415,000 | 1,395 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2072% | 2,028 |
| Cost of funding earning assets | 1.4469% | 864 |
| Net interest margin | 3.7603% | 4,028 |
| Noninterest income to average assets | 0.5904% | 3,217 |
| Noninterest expense to average assets | 3.7000% | 1,539 |
| Loan and lease loss provision to assets | 1.0482% | 885 |
| Net operating income to assets | -1.7926% | 6,984 |
| Return on assets (ROA) | -1.6733% | 6,968 |
| Pretax return on assets | -0.7741% | 6,634 |
| Return on Equity (ROE) | -16.7803% | 6,929 |
| Retained earnings to average equity (ytd only) | -16.7803% | 6,909 |
| Net charge-offs to loans | 1.1720% | 1,442 |
| Credit loss provision to net charge-offs | 137.4459% | 2,163 |
| Earnings coverage of net charge-offs (x) | 0.2030% | 5,682 |
| Efficiency ratio | 95.9839% | 820 |
| Assets per employee ($millions) | 4.6740% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4991% | 1,316 |
| Loan loss allowance to noncurrent loans | 33.4992% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 9.1332% | 391 |
| Noncurrent loans to loans | 7.4601% | 571 |
| Net loans and leases to total assets | 60.9737% | 3,794 |
| Net loans and leases to deposits | 69.9415% | 4,111 |
| Net loans and leases to core deposits | 90.6513% | 2,027 |
| Total domestic deposits to total assets | 87.1781% | 2,655 |
| Equity capital to assets | 9.4750% | 4,922 |
| Core capital (leverage) ratio | 8.9571% | 4,849 |
| Tier 1 risk-based capital ratio | 12.3295% | 5,597 |
| Total risk-based capital ratio | 13.5903% | 5,559 |
| Memoranda: | ||
| Average total assets | $515,454,800 | 1,299 |
| Average earning assets | $447,494,200 | 1,354 |
| Average equity | $51,399,600 | 1,331 |
| Average total loans | $335,396,800 | 1,266 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2442% | 2,054 |
| Cost of funding earning assets | 1.4951% | 883 |
| Net interest margin | 3.7491% | 4,112 |
| Noninterest income to average assets | 0.5280% | 3,669 |
| Noninterest expense to average assets | 3.7784% | 1,339 |
| Loan and lease loss provision to assets | 0.9123% | 975 |
| Net operating income to assets | -2.0925% | 7,150 |
| Return on assets (ROA) | -1.9349% | 7,137 |
| Pretax return on assets | -0.7475% | 6,757 |
| Return on Equity (ROE) | -19.1767% | 7,089 |
| Retained earnings to average equity (ytd only) | -19.1767% | 7,072 |
| Net charge-offs to loans | 1.3298% | 1,146 |
| Credit loss provision to net charge-offs | 104.4588% | 3,190 |
| Earnings coverage of net charge-offs (x) | 0.0082% | 5,598 |
| Efficiency ratio | 99.8105% | 665 |
| Assets per employee ($millions) | 4.3352% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9518% | 2,468 |
| Loan loss allowance to noncurrent loans | 27.2913% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 8.4008% | 502 |
| Noncurrent loans to loans | 7.1518% | 684 |
| Net loans and leases to total assets | 63.0743% | 3,495 |
| Net loans and leases to deposits | 73.5878% | 3,710 |
| Net loans and leases to core deposits | 95.0260% | 1,697 |
| Total domestic deposits to total assets | 85.7130% | 3,372 |
| Equity capital to assets | 9.4499% | 5,164 |
| Core capital (leverage) ratio | 8.9228% | 5,060 |
| Tier 1 risk-based capital ratio | 12.0549% | 5,857 |
| Total risk-based capital ratio | 13.3102% | 5,842 |
| Memoranda: | ||
| Average total assets | $520,457,750 | 1,290 |
| Average earning assets | $452,218,000 | 1,355 |
| Average equity | $52,513,750 | 1,295 |
| Average total loans | $341,787,750 | 1,253 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2418% | 2,090 |
| Cost of funding earning assets | 1.5577% | 818 |
| Net interest margin | 3.6841% | 4,340 |
| Noninterest income to average assets | 0.4474% | 4,303 |
| Noninterest expense to average assets | 3.6253% | 1,689 |
| Loan and lease loss provision to assets | 0.2002% | 3,922 |
| Net operating income to assets | -0.0451% | 6,291 |
| Return on assets (ROA) | 0.1769% | 5,908 |
| Pretax return on assets | 0.0374% | 6,211 |
| Return on Equity (ROE) | 1.7178% | 5,884 |
| Retained earnings to average equity (ytd only) | 1.7178% | 5,137 |
| Net charge-offs to loans | 1.2132% | 1,290 |
| Credit loss provision to net charge-offs | 24.9643% | 5,068 |
| Earnings coverage of net charge-offs (x) | 0.0195% | 5,270 |
| Efficiency ratio | 99.5697% | 738 |
| Assets per employee ($millions) | 4.0602% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 4,525 |
| Loan loss allowance to noncurrent loans | 18.9103% | 6,753 |
| Noncurrent assets plus other real estate owned to assets | 8.6997% | 493 |
| Noncurrent loans to loans | 7.4534% | 643 |
| Net loans and leases to total assets | 64.2092% | 3,416 |
| Net loans and leases to deposits | 75.7957% | 3,516 |
| Net loans and leases to core deposits | 98.3294% | 1,482 |
| Total domestic deposits to total assets | 84.7136% | 4,009 |
| Equity capital to assets | 10.7575% | 3,215 |
| Core capital (leverage) ratio | 9.6451% | 3,743 |
| Tier 1 risk-based capital ratio | 12.5634% | 5,277 |
| Total risk-based capital ratio | 13.7458% | 5,324 |
| Memoranda: | ||
| Average total assets | $523,427,330 | 1,286 |
| Average earning assets | $453,734,000 | 1,350 |
| Average equity | $53,904,670 | 1,247 |
| Average total loans | $346,024,000 | 1,255 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1820% | 2,292 |
| Cost of funding earning assets | 1.6025% | 805 |
| Net interest margin | 3.5795% | 4,663 |
| Noninterest income to average assets | 0.6793% | 2,683 |
| Noninterest expense to average assets | 3.7525% | 1,439 |
| Loan and lease loss provision to assets | 0.1821% | 3,794 |
| Net operating income to assets | 0.0674% | 6,186 |
| Return on assets (ROA) | 0.0892% | 6,174 |
| Pretax return on assets | -0.1088% | 6,457 |
| Return on Equity (ROE) | 0.8849% | 6,166 |
| Retained earnings to average equity (ytd only) | 0.8849% | 5,472 |
| Net charge-offs to loans | 0.9238% | 1,442 |
| Credit loss provision to net charge-offs | 29.6069% | 4,125 |
| Earnings coverage of net charge-offs (x) | 0.0639% | 4,543 |
| Efficiency ratio | 98.9637% | 791 |
| Assets per employee ($millions) | 4.1387% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 3,534 |
| Loan loss allowance to noncurrent loans | 22.7683% | 6,657 |
| Noncurrent assets plus other real estate owned to assets | 8.0940% | 582 |
| Noncurrent loans to loans | 7.2410% | 739 |
| Net loans and leases to total assets | 64.1653% | 3,406 |
| Net loans and leases to deposits | 75.0296% | 3,580 |
| Net loans and leases to core deposits | 99.7866% | 1,357 |
| Total domestic deposits to total assets | 85.5200% | 3,774 |
| Equity capital to assets | 10.0957% | 3,652 |
| Core capital (leverage) ratio | 9.5752% | 3,696 |
| Tier 1 risk-based capital ratio | 12.2325% | 5,492 |
| Total risk-based capital ratio | 13.4843% | 5,491 |
| Memoranda: | ||
| Average total assets | $529,351,500 | 1,281 |
| Average earning assets | $460,283,500 | 1,342 |
| Average equity | $53,340,500 | 1,256 |
| Average total loans | $352,447,500 | 1,242 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3266% | 2,993 |
| Cost of funding earning assets | 2.0949% | 438 |
| Net interest margin | 3.2317% | 6,189 |
| Noninterest income to average assets | 0.7646% | 2,460 |
| Noninterest expense to average assets | 3.2887% | 2,771 |
| Loan and lease loss provision to assets | 0.5980% | 2,746 |
| Net operating income to assets | 0.0101% | 5,809 |
| Return on assets (ROA) | 0.0969% | 5,735 |
| Pretax return on assets | -0.1118% | 6,012 |
| Return on Equity (ROE) | 1.0718% | 5,671 |
| Retained earnings to average equity (ytd only) | 1.0718% | 5,008 |
| Net charge-offs to loans | 1.7404% | 1,237 |
| Credit loss provision to net charge-offs | 52.9060% | 6,219 |
| Earnings coverage of net charge-offs (x) | 0.3102% | 5,794 |
| Efficiency ratio | 90.3670% | 1,297 |
| Assets per employee ($millions) | 4.2316% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7454% | 3,054 |
| Loan loss allowance to noncurrent loans | 28.7951% | 6,364 |
| Noncurrent assets plus other real estate owned to assets | 6.8904% | 800 |
| Noncurrent loans to loans | 6.0616% | 1,026 |
| Net loans and leases to total assets | 66.7376% | 3,290 |
| Net loans and leases to deposits | 76.6927% | 3,733 |
| Net loans and leases to core deposits | 105.7775% | 1,208 |
| Total domestic deposits to total assets | 87.0194% | 2,810 |
| Equity capital to assets | 10.0575% | 3,676 |
| Core capital (leverage) ratio | 8.9447% | 4,627 |
| Tier 1 risk-based capital ratio | 11.8734% | 5,600 |
| Total risk-based capital ratio | 13.1264% | 5,578 |
| Memoranda: | ||
| Average total assets | $592,182,600 | 1,132 |
| Average earning assets | $526,755,600 | 1,167 |
| Average equity | $53,553,000 | 1,248 |
| Average total loans | $384,573,200 | 1,175 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2871% | 3,412 |
| Cost of funding earning assets | 2.1631% | 428 |
| Net interest margin | 3.1240% | 6,551 |
| Noninterest income to average assets | 0.7678% | 2,400 |
| Noninterest expense to average assets | 3.1449% | 3,126 |
| Loan and lease loss provision to assets | 0.7767% | 1,965 |
| Net operating income to assets | -0.0708% | 6,149 |
| Return on assets (ROA) | 0.0419% | 6,035 |
| Pretax return on assets | -0.1873% | 6,310 |
| Return on Equity (ROE) | 0.4747% | 6,016 |
| Retained earnings to average equity (ytd only) | 0.4747% | 5,608 |
| Net charge-offs to loans | 2.0960% | 883 |
| Credit loss provision to net charge-offs | 57.6404% | 5,755 |
| Earnings coverage of net charge-offs (x) | 0.3068% | 5,723 |
| Efficiency ratio | 88.3828% | 1,423 |
| Assets per employee ($millions) | 4.5603% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8362% | 2,674 |
| Loan loss allowance to noncurrent loans | 29.6110% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 6.1769% | 955 |
| Noncurrent loans to loans | 6.2009% | 988 |
| Net loans and leases to total assets | 62.9546% | 4,338 |
| Net loans and leases to deposits | 73.8734% | 4,535 |
| Net loans and leases to core deposits | 100.9832% | 1,749 |
| Total domestic deposits to total assets | 85.2195% | 3,507 |
| Equity capital to assets | 9.5474% | 4,769 |
| Core capital (leverage) ratio | 8.7051% | 5,178 |
| Tier 1 risk-based capital ratio | 11.9477% | 5,511 |
| Total risk-based capital ratio | 13.2021% | 5,477 |
| Memoranda: | ||
| Average total assets | $607,990,500 | 1,104 |
| Average earning assets | $543,093,250 | 1,126 |
| Average equity | $53,641,500 | 1,246 |
| Average total loans | $390,896,500 | 1,163 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3085% | 3,433 |
| Cost of funding earning assets | 2.2063% | 456 |
| Net interest margin | 3.1022% | 6,607 |
| Noninterest income to average assets | 0.7960% | 2,139 |
| Noninterest expense to average assets | 2.9861% | 3,755 |
| Loan and lease loss provision to assets | 0.6690% | 2,158 |
| Net operating income to assets | 0.1090% | 5,842 |
| Return on assets (ROA) | 0.1095% | 5,947 |
| Pretax return on assets | -0.0810% | 6,227 |
| Return on Equity (ROE) | 1.2733% | 5,876 |
| Retained earnings to average equity (ytd only) | 1.2733% | 5,244 |
| Net charge-offs to loans | 2.2346% | 800 |
| Credit loss provision to net charge-offs | 46.5315% | 5,495 |
| Earnings coverage of net charge-offs (x) | 0.4086% | 5,319 |
| Efficiency ratio | 83.5614% | 1,973 |
| Assets per employee ($millions) | 4.6268% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8560% | 2,547 |
| Loan loss allowance to noncurrent loans | 32.3958% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 5.7456% | 1,051 |
| Noncurrent loans to loans | 5.7293% | 1,134 |
| Net loans and leases to total assets | 62.9387% | 4,481 |
| Net loans and leases to deposits | 73.2632% | 4,798 |
| Net loans and leases to core deposits | 100.4003% | 1,972 |
| Total domestic deposits to total assets | 85.9077% | 3,141 |
| Equity capital to assets | 9.1449% | 5,226 |
| Core capital (leverage) ratio | 8.3930% | 5,591 |
| Tier 1 risk-based capital ratio | 11.5772% | 5,692 |
| Total risk-based capital ratio | 12.8314% | 5,654 |
| Memoranda: | ||
| Average total assets | $617,600,000 | 1,089 |
| Average earning assets | $552,965,330 | 1,103 |
| Average equity | $53,090,330 | 1,253 |
| Average total loans | $397,385,670 | 1,160 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3201% | 3,448 |
| Cost of funding earning assets | 2.1960% | 600 |
| Net interest margin | 3.1241% | 6,534 |
| Noninterest income to average assets | 0.7965% | 2,040 |
| Noninterest expense to average assets | 3.0926% | 3,295 |
| Loan and lease loss provision to assets | 0.1180% | 5,417 |
| Net operating income to assets | 0.4024% | 4,827 |
| Return on assets (ROA) | 0.4036% | 4,972 |
| Pretax return on assets | 0.3941% | 5,311 |
| Return on Equity (ROE) | 4.8405% | 4,453 |
| Retained earnings to average equity (ytd only) | 4.8405% | 3,247 |
| Net charge-offs to loans | 2.8401% | 559 |
| Credit loss provision to net charge-offs | 6.4494% | 5,087 |
| Earnings coverage of net charge-offs (x) | 0.2791% | 4,795 |
| Efficiency ratio | 85.8225% | 1,813 |
| Assets per employee ($millions) | 4.4917% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6953% | 3,079 |
| Loan loss allowance to noncurrent loans | 27.1301% | 6,587 |
| Noncurrent assets plus other real estate owned to assets | 5.2062% | 1,213 |
| Noncurrent loans to loans | 6.2488% | 1,026 |
| Net loans and leases to total assets | 63.3714% | 4,455 |
| Net loans and leases to deposits | 73.3255% | 4,851 |
| Net loans and leases to core deposits | 100.6800% | 2,062 |
| Total domestic deposits to total assets | 86.4247% | 2,931 |
| Equity capital to assets | 8.6397% | 5,817 |
| Core capital (leverage) ratio | 8.2933% | 5,755 |
| Tier 1 risk-based capital ratio | 11.2657% | 5,882 |
| Total risk-based capital ratio | 12.5186% | 5,844 |
| Memoranda: | ||
| Average total assets | $630,288,000 | 1,097 |
| Average earning assets | $566,306,500 | 1,106 |
| Average equity | $52,556,500 | 1,277 |
| Average total loans | $406,185,000 | 1,160 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4219% | 4,582 |
| Cost of funding earning assets | 2.5317% | 942 |
| Net interest margin | 2.8902% | 6,883 |
| Noninterest income to average assets | 0.8927% | 1,970 |
| Noninterest expense to average assets | 3.0859% | 3,808 |
| Loan and lease loss provision to assets | 2.1504% | 975 |
| Net operating income to assets | -1.0074% | 6,581 |
| Return on assets (ROA) | -0.8232% | 6,454 |
| Pretax return on assets | -1.4303% | 6,655 |
| Return on Equity (ROE) | -9.9207% | 6,619 |
| Retained earnings to average equity (ytd only) | -9.9207% | 6,513 |
| Net charge-offs to loans | 2.7938% | 793 |
| Credit loss provision to net charge-offs | 109.3497% | 5,043 |
| Earnings coverage of net charge-offs (x) | 0.2198% | 5,910 |
| Efficiency ratio | 87.7125% | 1,911 |
| Assets per employee ($millions) | 4.8512% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2669% | 1,540 |
| Loan loss allowance to noncurrent loans | 37.0285% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 5.3319% | 1,107 |
| Noncurrent loans to loans | 6.1220% | 1,018 |
| Net loans and leases to total assets | 62.9650% | 4,825 |
| Net loans and leases to deposits | 73.0982% | 5,178 |
| Net loans and leases to core deposits | 83.7553% | 5,741 |
| Total domestic deposits to total assets | 86.1375% | 2,941 |
| Equity capital to assets | 8.0513% | 6,526 |
| Core capital (leverage) ratio | 7.6885% | 6,568 |
| Tier 1 risk-based capital ratio | 10.7419% | 6,163 |
| Total risk-based capital ratio | 12.0012% | 6,128 |
| Memoranda: | ||
| Average total assets | $652,098,000 | 1,064 |
| Average earning assets | $592,372,800 | 1,060 |
| Average equity | $54,109,000 | 1,219 |
| Average total loans | $459,010,400 | 1,047 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5468% | 4,178 |
| Cost of funding earning assets | 2.5426% | 1,172 |
| Net interest margin | 3.0042% | 6,603 |
| Noninterest income to average assets | 0.9285% | 1,867 |
| Noninterest expense to average assets | 2.9037% | 4,439 |
| Loan and lease loss provision to assets | 1.6563% | 1,134 |
| Net operating income to assets | -0.4588% | 6,384 |
| Return on assets (ROA) | -0.2141% | 6,101 |
| Pretax return on assets | -0.5127% | 6,311 |
| Return on Equity (ROE) | -2.5617% | 6,173 |
| Retained earnings to average equity (ytd only) | -2.5617% | 5,833 |
| Net charge-offs to loans | 2.4149% | 764 |
| Credit loss provision to net charge-offs | 95.4407% | 5,327 |
| Earnings coverage of net charge-offs (x) | 0.4387% | 5,591 |
| Efficiency ratio | 79.2288% | 2,960 |
| Assets per employee ($millions) | 4.8861% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7749% | 2,366 |
| Loan loss allowance to noncurrent loans | 30.9173% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 4.7495% | 1,253 |
| Noncurrent loans to loans | 5.7407% | 1,064 |
| Net loans and leases to total assets | 63.3956% | 4,994 |
| Net loans and leases to deposits | 75.5001% | 5,125 |
| Net loans and leases to core deposits | 85.2772% | 5,942 |
| Total domestic deposits to total assets | 83.9677% | 3,741 |
| Equity capital to assets | 8.4556% | 6,303 |
| Core capital (leverage) ratio | 8.2340% | 5,957 |
| Tier 1 risk-based capital ratio | 11.8839% | 5,078 |
| Total risk-based capital ratio | 13.1384% | 5,009 |
| Memoranda: | ||
| Average total assets | $653,818,500 | 1,076 |
| Average earning assets | $595,543,500 | 1,070 |
| Average equity | $54,649,250 | 1,222 |
| Average total loans | $469,842,250 | 1,043 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2837% | 5,731 |
| Cost of funding earning assets | 2.4967% | 1,624 |
| Net interest margin | 2.7870% | 7,037 |
| Noninterest income to average assets | 0.9277% | 1,860 |
| Noninterest expense to average assets | 2.8735% | 4,608 |
| Loan and lease loss provision to assets | 1.5087% | 1,135 |
| Net operating income to assets | -0.4668% | 6,515 |
| Return on assets (ROA) | -0.2622% | 6,288 |
| Pretax return on assets | -0.5701% | 6,498 |
| Return on Equity (ROE) | -3.1501% | 6,379 |
| Retained earnings to average equity (ytd only) | -3.1501% | 5,993 |
| Net charge-offs to loans | 2.3113% | 770 |
| Credit loss provision to net charge-offs | 87.6693% | 4,993 |
| Earnings coverage of net charge-offs (x) | 0.3596% | 5,322 |
| Efficiency ratio | 82.2792% | 2,690 |
| Assets per employee ($millions) | 4.9012% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 2,677 |
| Loan loss allowance to noncurrent loans | 27.1142% | 6,690 |
| Noncurrent assets plus other real estate owned to assets | 4.5568% | 1,221 |
| Noncurrent loans to loans | 5.9577% | 920 |
| Net loans and leases to total assets | 65.9929% | 4,563 |
| Net loans and leases to deposits | 79.1667% | 4,676 |
| Net loans and leases to core deposits | 87.4544% | 5,769 |
| Total domestic deposits to total assets | 83.3595% | 4,087 |
| Equity capital to assets | 7.9600% | 6,799 |
| Core capital (leverage) ratio | 8.5738% | 5,307 |
| Tier 1 risk-based capital ratio | 11.2885% | 5,607 |
| Total risk-based capital ratio | 12.5416% | 5,506 |
| Memoranda: | ||
| Average total assets | $643,739,670 | 1,111 |
| Average earning assets | $592,385,000 | 1,092 |
| Average equity | $53,585,330 | 1,260 |
| Average total loans | $479,290,670 | 1,046 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5076% | 4,875 |
| Cost of funding earning assets | 2.5023% | 1,913 |
| Net interest margin | 3.0053% | 6,468 |
| Noninterest income to average assets | 1.1042% | 1,217 |
| Noninterest expense to average assets | 2.9655% | 3,910 |
| Loan and lease loss provision to assets | 0.8419% | 1,541 |
| Net operating income to assets | 0.1263% | 5,899 |
| Return on assets (ROA) | 0.1263% | 6,065 |
| Pretax return on assets | 0.0596% | 6,258 |
| Return on Equity (ROE) | 1.4807% | 5,971 |
| Retained earnings to average equity (ytd only) | 1.4807% | 5,021 |
| Net charge-offs to loans | 1.8067% | 801 |
| Credit loss provision to net charge-offs | 59.2795% | 4,531 |
| Earnings coverage of net charge-offs (x) | 0.6347% | 4,484 |
| Efficiency ratio | 76.6873% | 3,370 |
| Assets per employee ($millions) | 4.4538% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 3,054 |
| Loan loss allowance to noncurrent loans | 31.9629% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 3.8246% | 1,376 |
| Noncurrent loans to loans | 4.6573% | 1,206 |
| Net loans and leases to total assets | 76.1728% | 2,232 |
| Net loans and leases to deposits | 95.6401% | 2,000 |
| Net loans and leases to core deposits | 105.2702% | 3,996 |
| Total domestic deposits to total assets | 79.6453% | 5,489 |
| Equity capital to assets | 8.9211% | 5,449 |
| Core capital (leverage) ratio | 9.1081% | 4,543 |
| Tier 1 risk-based capital ratio | 11.0088% | 5,903 |
| Total risk-based capital ratio | 12.2610% | 5,796 |
| Memoranda: | ||
| Average total assets | $617,627,500 | 1,151 |
| Average earning assets | $567,802,000 | 1,150 |
| Average equity | $52,678,500 | 1,295 |
| Average total loans | $485,522,000 | 1,045 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7466% | 1,882 |
| Cost of funding earning assets | 3.1272% | 1,428 |
| Net interest margin | 3.6194% | 4,791 |
| Noninterest income to average assets | 0.8501% | 2,227 |
| Noninterest expense to average assets | 3.1052% | 3,677 |
| Loan and lease loss provision to assets | 0.8377% | 1,783 |
| Net operating income to assets | 0.2258% | 5,768 |
| Return on assets (ROA) | 0.2258% | 5,595 |
| Pretax return on assets | 0.2059% | 5,719 |
| Return on Equity (ROE) | 2.7158% | 5,337 |
| Retained earnings to average equity (ytd only) | 2.7158% | 3,492 |
| Net charge-offs to loans | 0.4120% | 2,754 |
| Credit loss provision to net charge-offs | 248.9909% | 1,873 |
| Earnings coverage of net charge-offs (x) | 3.1019% | 4,540 |
| Efficiency ratio | 74.8455% | 3,427 |
| Assets per employee ($millions) | 4.3676% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7184% | 1,852 |
| Loan loss allowance to noncurrent loans | 37.9178% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 3.6882% | 1,180 |
| Noncurrent loans to loans | 4.5320% | 1,052 |
| Net loans and leases to total assets | 78.6062% | 1,977 |
| Net loans and leases to deposits | 101.7999% | 1,604 |
| Net loans and leases to core deposits | 144.9066% | 1,057 |
| Total domestic deposits to total assets | 77.2164% | 5,939 |
| Equity capital to assets | 8.1120% | 6,680 |
| Core capital (leverage) ratio | 8.1804% | 6,199 |
| Tier 1 risk-based capital ratio | 9.6045% | 7,205 |
| Total risk-based capital ratio | 10.8591% | 7,091 |
| Memoranda: | ||
| Average total assets | $589,107,600 | 1,144 |
| Average earning assets | $536,910,600 | 1,146 |
| Average equity | $48,972,800 | 1,392 |
| Average total loans | $481,111,600 | 999 |