Home > First Savings Bank of Hegewisch > Performance and Condition Ratios
First Savings Bank of Hegewisch, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4143% | 4,424 |
| Cost of funding earning assets | 2.0727% | 2,043 |
| Net interest margin | 1.3417% | 4,394 |
| Noninterest income to average assets | 0.1600% | 3,940 |
| Noninterest expense to average assets | 1.6152% | 4,168 |
| Loan and lease loss provision to assets | -0.0200% | 4,147 |
| Net operating income to assets | -0.0873% | 4,242 |
| Return on assets (ROA) | -0.0873% | 4,258 |
| Pretax return on assets | -0.1374% | 4,262 |
| Return on Equity (ROE) | -0.5900% | 4,224 |
| Retained earnings to average equity (ytd only) | -0.5945% | 4,049 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 110.2856% | 169 |
| Assets per employee ($millions) | 8.6066% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5342% | 4,249 |
| Loan loss allowance to noncurrent loans | 775.6757% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 3,456 |
| Noncurrent loans to loans | 0.0689% | 3,298 |
| Net loans and leases to total assets | 45.7500% | 3,822 |
| Net loans and leases to deposits | 53.5792% | 3,816 |
| Net loans and leases to core deposits | 60.9042% | 3,715 |
| Total domestic deposits to total assets | 85.3800% | 2,408 |
| Equity capital to assets | 14.3491% | 635 |
| Core capital (leverage) ratio | 14.4463% | 680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $802,023,600 | 1,221 |
| Average earning assets | $777,308,600 | 1,170 |
| Average equity | $117,754,800 | 896 |
| Average total loans | $386,622,800 | 1,576 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3871% | 4,461 |
| Cost of funding earning assets | 2.0257% | 2,145 |
| Net interest margin | 1.3615% | 4,423 |
| Noninterest income to average assets | 0.1600% | 3,942 |
| Noninterest expense to average assets | 1.5895% | 4,183 |
| Loan and lease loss provision to assets | -0.0200% | 4,186 |
| Net operating income to assets | -0.0548% | 4,261 |
| Return on assets (ROA) | -0.0548% | 4,276 |
| Pretax return on assets | -0.0922% | 4,283 |
| Return on Equity (ROE) | -0.3700% | 4,253 |
| Retained earnings to average equity (ytd only) | -0.3710% | 4,063 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 107.2205% | 198 |
| Assets per employee ($millions) | 8.4790% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5361% | 4,288 |
| Loan loss allowance to noncurrent loans | 446.9298% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 3,335 |
| Noncurrent loans to loans | 0.1199% | 3,079 |
| Net loans and leases to total assets | 46.9400% | 3,777 |
| Net loans and leases to deposits | 55.1365% | 3,778 |
| Net loans and leases to core deposits | 62.4798% | 3,697 |
| Total domestic deposits to total assets | 85.1400% | 2,247 |
| Equity capital to assets | 14.6111% | 630 |
| Core capital (leverage) ratio | 14.6827% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $798,123,250 | 1,221 |
| Average earning assets | $773,459,750 | 1,175 |
| Average equity | $117,863,000 | 890 |
| Average total loans | $389,264,250 | 1,547 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3770% | 4,475 |
| Cost of funding earning assets | 1.9497% | 2,240 |
| Net interest margin | 1.4273% | 4,435 |
| Noninterest income to average assets | 0.1600% | 3,924 |
| Noninterest expense to average assets | 1.6132% | 4,178 |
| Loan and lease loss provision to assets | -0.0200% | 4,221 |
| Net operating income to assets | -0.0279% | 4,270 |
| Return on assets (ROA) | -0.0279% | 4,299 |
| Pretax return on assets | -0.0545% | 4,293 |
| Return on Equity (ROE) | -0.1900% | 4,269 |
| Retained earnings to average equity (ytd only) | -0.1883% | 3,942 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 104.3258% | 226 |
| Assets per employee ($millions) | 8.3799% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5394% | 4,299 |
| Loan loss allowance to noncurrent loans | 995.2381% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 3,548 |
| Noncurrent loans to loans | 0.0542% | 3,392 |
| Net loans and leases to total assets | 48.4100% | 3,732 |
| Net loans and leases to deposits | 56.9733% | 3,711 |
| Net loans and leases to core deposits | 63.8975% | 3,629 |
| Total domestic deposits to total assets | 84.9700% | 2,326 |
| Equity capital to assets | 14.8112% | 579 |
| Core capital (leverage) ratio | 14.8305% | 649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.0415% | 158 |
| Memoranda: | ||
| Average total assets | $795,662,333 | 1,221 |
| Average earning assets | $771,099,333 | 1,180 |
| Average equity | $117,919,667 | 885 |
| Average total loans | $392,295,000 | 1,534 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3100% | 4,500 |
| Cost of funding earning assets | 1.8745% | 2,309 |
| Net interest margin | 1.4356% | 4,464 |
| Noninterest income to average assets | 0.1500% | 3,964 |
| Noninterest expense to average assets | 1.5538% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0045% | 4,219 |
| Return on assets (ROA) | 0.0045% | 4,254 |
| Pretax return on assets | -0.0101% | 4,269 |
| Return on Equity (ROE) | 0.0300% | 4,249 |
| Retained earnings to average equity (ytd only) | 0.0305% | 3,687 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 100.1954% | 292 |
| Assets per employee ($millions) | 8.0604% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5527% | 4,288 |
| Loan loss allowance to noncurrent loans | 1,320.1220% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 3,611 |
| Noncurrent loans to loans | 0.0419% | 3,468 |
| Net loans and leases to total assets | 48.8200% | 3,664 |
| Net loans and leases to deposits | 57.4105% | 3,656 |
| Net loans and leases to core deposits | 64.0037% | 3,599 |
| Total domestic deposits to total assets | 85.0300% | 2,395 |
| Equity capital to assets | 14.7784% | 570 |
| Core capital (leverage) ratio | 15.0336% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $795,450,500 | 1,220 |
| Average earning assets | $770,991,000 | 1,177 |
| Average equity | $117,924,500 | 887 |
| Average total loans | $394,710,000 | 1,532 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2332% | 4,473 |
| Cost of funding earning assets | 1.3663% | 2,316 |
| Net interest margin | 1.8669% | 4,450 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 1.6831% | 4,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2211% | 4,136 |
| Return on assets (ROA) | 0.2211% | 4,150 |
| Pretax return on assets | 0.2913% | 4,095 |
| Return on Equity (ROE) | 1.5100% | 4,212 |
| Retained earnings to average equity (ytd only) | 1.5129% | 3,706 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 84.9008% | 617 |
| Assets per employee ($millions) | 8.1744% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5444% | 4,304 |
| Loan loss allowance to noncurrent loans | 913.5021% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 3,467 |
| Noncurrent loans to loans | 0.0596% | 3,293 |
| Net loans and leases to total assets | 49.8800% | 3,602 |
| Net loans and leases to deposits | 58.7451% | 3,595 |
| Net loans and leases to core deposits | 65.1116% | 3,536 |
| Total domestic deposits to total assets | 84.9100% | 2,337 |
| Equity capital to assets | 14.8716% | 566 |
| Core capital (leverage) ratio | 14.8954% | 638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $804,041,000 | 1,176 |
| Average earning assets | $779,194,200 | 1,133 |
| Average equity | $117,520,600 | 842 |
| Average total loans | $405,747,000 | 1,458 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1992% | 4,482 |
| Cost of funding earning assets | 1.2580% | 2,264 |
| Net interest margin | 1.9412% | 4,461 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.6826% | 4,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2712% | 4,151 |
| Return on assets (ROA) | 0.2712% | 4,151 |
| Pretax return on assets | 0.3607% | 4,105 |
| Return on Equity (ROE) | 1.8600% | 4,213 |
| Retained earnings to average equity (ytd only) | 1.8633% | 3,752 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.0137% | 731 |
| Assets per employee ($millions) | 7.6004% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5378% | 4,325 |
| Loan loss allowance to noncurrent loans | 890.9465% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 3,502 |
| Noncurrent loans to loans | 0.0604% | 3,322 |
| Net loans and leases to total assets | 50.1700% | 3,604 |
| Net loans and leases to deposits | 59.0352% | 3,557 |
| Net loans and leases to core deposits | 64.7482% | 3,490 |
| Total domestic deposits to total assets | 84.9900% | 2,499 |
| Equity capital to assets | 14.7591% | 560 |
| Core capital (leverage) ratio | 14.6781% | 684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $806,821,500 | 1,172 |
| Average earning assets | $781,965,750 | 1,124 |
| Average equity | $117,420,750 | 835 |
| Average total loans | $407,761,250 | 1,449 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1705% | 4,503 |
| Cost of funding earning assets | 1.1156% | 2,231 |
| Net interest margin | 2.0550% | 4,477 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.6963% | 4,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3483% | 4,093 |
| Return on assets (ROA) | 0.3483% | 4,117 |
| Pretax return on assets | 0.4676% | 4,020 |
| Return on Equity (ROE) | 2.4000% | 4,227 |
| Retained earnings to average equity (ytd only) | 2.4041% | 3,624 |
| Net charge-offs to loans | 0.0147% | 1,647 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 63.1000% | 1,174 |
| Efficiency ratio | 78.0733% | 996 |
| Assets per employee ($millions) | 7.9201% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4389% | 4,418 |
| Loan loss allowance to noncurrent loans | 742.9167% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,492 |
| Noncurrent loans to loans | 0.0591% | 3,274 |
| Net loans and leases to total assets | 50.0700% | 3,558 |
| Net loans and leases to deposits | 58.8234% | 3,493 |
| Net loans and leases to core deposits | 64.5456% | 3,415 |
| Total domestic deposits to total assets | 85.1200% | 2,509 |
| Equity capital to assets | 14.5966% | 565 |
| Core capital (leverage) ratio | 14.6060% | 650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.3803% | 150 |
| Memoranda: | ||
| Average total assets | $809,749,333 | 1,168 |
| Average earning assets | $784,725,000 | 1,121 |
| Average equity | $117,300,000 | 832 |
| Average total loans | $409,497,000 | 1,434 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0837% | 4,536 |
| Cost of funding earning assets | 0.9356% | 2,259 |
| Net interest margin | 2.1481% | 4,513 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.6115% | 4,294 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4742% | 3,960 |
| Return on assets (ROA) | 0.4742% | 3,913 |
| Pretax return on assets | 0.6404% | 3,777 |
| Return on Equity (ROE) | 3.2900% | 4,142 |
| Retained earnings to average equity (ytd only) | 3.2857% | 3,441 |
| Net charge-offs to loans | 0.0292% | 1,118 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 43.2667% | 1,157 |
| Efficiency ratio | 71.2533% | 1,605 |
| Assets per employee ($millions) | 8.0097% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4361% | 4,480 |
| Loan loss allowance to noncurrent loans | 371.4583% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 3,191 |
| Noncurrent loans to loans | 0.1174% | 2,930 |
| Net loans and leases to total assets | 50.3200% | 3,466 |
| Net loans and leases to deposits | 59.0701% | 3,391 |
| Net loans and leases to core deposits | 64.3566% | 3,325 |
| Total domestic deposits to total assets | 85.1900% | 2,806 |
| Equity capital to assets | 14.5208% | 529 |
| Core capital (leverage) ratio | 14.5196% | 657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $810,697,500 | 1,186 |
| Average earning assets | $786,196,000 | 1,132 |
| Average equity | $116,990,500 | 842 |
| Average total loans | $411,110,000 | 1,444 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5616% | 4,478 |
| Cost of funding earning assets | 0.3338% | 2,598 |
| Net interest margin | 2.2278% | 4,463 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.6383% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5235% | 4,049 |
| Return on assets (ROA) | 0.5235% | 4,003 |
| Pretax return on assets | 0.7125% | 3,823 |
| Return on Equity (ROE) | 3.6800% | 4,206 |
| Retained earnings to average equity (ytd only) | 3.6759% | 3,507 |
| Net charge-offs to loans | 0.0056% | 2,223 |
| Credit loss provision to net charge-offs | 173.9130% | 1,200 |
| Earnings coverage of net charge-offs (x) | 250.2609% | 547 |
| Efficiency ratio | 69.2523% | 1,791 |
| Assets per employee ($millions) | 7.6643% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4386% | 4,481 |
| Loan loss allowance to noncurrent loans | 420.6497% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 3,265 |
| Noncurrent loans to loans | 0.1043% | 3,027 |
| Net loans and leases to total assets | 50.6500% | 3,460 |
| Net loans and leases to deposits | 59.3350% | 3,375 |
| Net loans and leases to core deposits | 64.7285% | 3,224 |
| Total domestic deposits to total assets | 85.3700% | 2,891 |
| Equity capital to assets | 14.3412% | 541 |
| Core capital (leverage) ratio | 14.5018% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $802,223,800 | 1,183 |
| Average earning assets | $777,627,000 | 1,139 |
| Average equity | $114,257,400 | 852 |
| Average total loans | $413,493,200 | 1,350 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4333% | 4,487 |
| Cost of funding earning assets | 0.2527% | 2,672 |
| Net interest margin | 2.1806% | 4,475 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.6206% | 4,284 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.4924% | 4,096 |
| Return on assets (ROA) | 0.4924% | 4,045 |
| Pretax return on assets | 0.6696% | 3,856 |
| Return on Equity (ROE) | 3.4600% | 4,235 |
| Retained earnings to average equity (ytd only) | 3.4630% | 3,644 |
| Net charge-offs to loans | -0.0052% | 3,493 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.2599% | 1,726 |
| Assets per employee ($millions) | 7.7003% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4444% | 4,522 |
| Loan loss allowance to noncurrent loans | 1,017.5824% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 3,597 |
| Noncurrent loans to loans | 0.0437% | 3,576 |
| Net loans and leases to total assets | 52.3100% | 3,251 |
| Net loans and leases to deposits | 61.4418% | 3,073 |
| Net loans and leases to core deposits | 65.7242% | 2,968 |
| Total domestic deposits to total assets | 85.1400% | 3,250 |
| Equity capital to assets | 14.5331% | 500 |
| Core capital (leverage) ratio | 14.4434% | 618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $799,674,750 | 1,190 |
| Average earning assets | $775,074,000 | 1,152 |
| Average equity | $113,694,000 | 872 |
| Average total loans | $413,534,750 | 1,345 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3262% | 4,503 |
| Cost of funding earning assets | 0.2411% | 2,381 |
| Net interest margin | 2.0850% | 4,518 |
| Noninterest income to average assets | 0.1888% | 4,061 |
| Noninterest expense to average assets | 1.6025% | 4,304 |
| Loan and lease loss provision to assets | 0.0100% | 2,410 |
| Net operating income to assets | 0.4387% | 4,029 |
| Return on assets (ROA) | 0.4387% | 3,984 |
| Pretax return on assets | 0.5971% | 3,823 |
| Return on Equity (ROE) | 3.1086% | 4,198 |
| Retained earnings to average equity (ytd only) | 3.1086% | 3,412 |
| Net charge-offs to loans | -0.0078% | 3,491 |
| Credit loss provision to net charge-offs | -250.0000% | 3,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2091% | 1,719 |
| Assets per employee ($millions) | 7.6394% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4425% | 4,597 |
| Loan loss allowance to noncurrent loans | 2,057.7778% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 3,798 |
| Noncurrent loans to loans | 0.0215% | 3,803 |
| Net loans and leases to total assets | 51.9501% | 3,160 |
| Net loans and leases to deposits | 60.7953% | 2,988 |
| Net loans and leases to core deposits | 65.1789% | 2,884 |
| Total domestic deposits to total assets | 85.4509% | 3,381 |
| Equity capital to assets | 14.2210% | 487 |
| Core capital (leverage) ratio | 14.1303% | 603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.2024% | 119 |
| Memoranda: | ||
| Average total assets | $801,856,333 | 1,191 |
| Average earning assets | $777,158,333 | 1,154 |
| Average equity | $113,170,000 | 883 |
| Average total loans | $412,458,333 | 1,346 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2253% | 4,517 |
| Cost of funding earning assets | 0.2481% | 2,181 |
| Net interest margin | 1.9772% | 4,530 |
| Noninterest income to average assets | 0.2091% | 3,907 |
| Noninterest expense to average assets | 1.5726% | 4,338 |
| Loan and lease loss provision to assets | 0.0050% | 2,218 |
| Net operating income to assets | 0.4041% | 3,941 |
| Return on assets (ROA) | 0.4041% | 3,905 |
| Pretax return on assets | 0.5478% | 3,759 |
| Return on Equity (ROE) | 2.8744% | 4,117 |
| Retained earnings to average equity (ytd only) | 2.8744% | 3,307 |
| Net charge-offs to loans | -0.0156% | 3,785 |
| Credit loss provision to net charge-offs | -62.5000% | 2,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6620% | 1,781 |
| Assets per employee ($millions) | 7.8050% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4413% | 4,626 |
| Loan loss allowance to noncurrent loans | 2,046.0674% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 3,842 |
| Noncurrent loans to loans | 0.0216% | 3,838 |
| Net loans and leases to total assets | 51.1080% | 3,059 |
| Net loans and leases to deposits | 59.6862% | 2,931 |
| Net loans and leases to core deposits | 64.0068% | 2,796 |
| Total domestic deposits to total assets | 85.6279% | 3,368 |
| Equity capital to assets | 14.0716% | 521 |
| Core capital (leverage) ratio | 14.0485% | 574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $801,716,000 | 1,194 |
| Average earning assets | $777,055,500 | 1,158 |
| Average equity | $112,719,000 | 909 |
| Average total loans | $409,406,000 | 1,345 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2161% | 4,617 |
| Cost of funding earning assets | 0.3745% | 1,722 |
| Net interest margin | 1.8416% | 4,656 |
| Noninterest income to average assets | 0.1955% | 4,191 |
| Noninterest expense to average assets | 1.6479% | 4,364 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2467% | 4,485 |
| Return on assets (ROA) | 0.2467% | 4,502 |
| Pretax return on assets | 0.3299% | 4,462 |
| Return on Equity (ROE) | 1.7142% | 4,533 |
| Retained earnings to average equity (ytd only) | 1.7142% | 4,066 |
| Net charge-offs to loans | 0.0187% | 1,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 35.4444% | 1,500 |
| Efficiency ratio | 82.9597% | 624 |
| Assets per employee ($millions) | 7.9952% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4422% | 4,666 |
| Loan loss allowance to noncurrent loans | 354.9407% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 3,449 |
| Noncurrent loans to loans | 0.1246% | 3,308 |
| Net loans and leases to total assets | 50.5718% | 3,213 |
| Net loans and leases to deposits | 59.0357% | 3,164 |
| Net loans and leases to core deposits | 63.2567% | 3,047 |
| Total domestic deposits to total assets | 85.6631% | 3,030 |
| Equity capital to assets | 14.0478% | 652 |
| Core capital (leverage) ratio | 14.1602% | 593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $773,526,400 | 1,190 |
| Average earning assets | $748,648,000 | 1,152 |
| Average equity | $111,308,200 | 933 |
| Average total loans | $385,095,200 | 1,412 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2242% | 4,707 |
| Cost of funding earning assets | 0.4044% | 1,668 |
| Net interest margin | 1.8198% | 4,736 |
| Noninterest income to average assets | 0.1985% | 4,207 |
| Noninterest expense to average assets | 1.6326% | 4,422 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2441% | 4,582 |
| Return on assets (ROA) | 0.2441% | 4,605 |
| Pretax return on assets | 0.3266% | 4,570 |
| Return on Equity (ROE) | 1.6856% | 4,630 |
| Retained earnings to average equity (ytd only) | 1.6856% | 4,275 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9651% | 579 |
| Assets per employee ($millions) | 7.6632% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4689% | 4,733 |
| Loan loss allowance to noncurrent loans | 282.1752% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 3,471 |
| Noncurrent loans to loans | 0.1662% | 3,291 |
| Net loans and leases to total assets | 50.7259% | 3,318 |
| Net loans and leases to deposits | 59.3749% | 3,284 |
| Net loans and leases to core deposits | 63.5245% | 3,181 |
| Total domestic deposits to total assets | 85.4333% | 2,971 |
| Equity capital to assets | 14.3045% | 670 |
| Core capital (leverage) ratio | 14.2765% | 592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $767,029,250 | 1,211 |
| Average earning assets | $742,126,000 | 1,172 |
| Average equity | $111,056,750 | 945 |
| Average total loans | $379,837,750 | 1,460 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2303% | 4,748 |
| Cost of funding earning assets | 0.4268% | 1,681 |
| Net interest margin | 1.8035% | 4,782 |
| Noninterest income to average assets | 0.1884% | 4,262 |
| Noninterest expense to average assets | 1.6501% | 4,444 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2120% | 4,622 |
| Return on assets (ROA) | 0.2120% | 4,637 |
| Pretax return on assets | 0.2826% | 4,603 |
| Return on Equity (ROE) | 1.4584% | 4,652 |
| Retained earnings to average equity (ytd only) | 1.4584% | 4,248 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9966% | 511 |
| Assets per employee ($millions) | 7.5193% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4829% | 4,749 |
| Loan loss allowance to noncurrent loans | 281.3253% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 3,575 |
| Noncurrent loans to loans | 0.1716% | 3,359 |
| Net loans and leases to total assets | 49.7079% | 3,581 |
| Net loans and leases to deposits | 58.2260% | 3,527 |
| Net loans and leases to core deposits | 62.4106% | 3,427 |
| Total domestic deposits to total assets | 85.3705% | 2,955 |
| Equity capital to assets | 14.3596% | 648 |
| Core capital (leverage) ratio | 14.3515% | 567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.8937% | 114 |
| Memoranda: | ||
| Average total assets | $762,157,667 | 1,215 |
| Average earning assets | $737,105,667 | 1,168 |
| Average equity | $110,805,667 | 935 |
| Average total loans | $373,662,333 | 1,475 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2458% | 4,779 |
| Cost of funding earning assets | 0.4509% | 1,719 |
| Net interest margin | 1.7949% | 4,810 |
| Noninterest income to average assets | 0.1778% | 4,308 |
| Noninterest expense to average assets | 1.6386% | 4,480 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2069% | 4,633 |
| Return on assets (ROA) | 0.2069% | 4,657 |
| Pretax return on assets | 0.2746% | 4,622 |
| Return on Equity (ROE) | 1.4141% | 4,665 |
| Retained earnings to average equity (ytd only) | 1.4141% | 4,138 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2600% | 542 |
| Assets per employee ($millions) | 7.2213% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4929% | 4,780 |
| Loan loss allowance to noncurrent loans | 248.4043% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 3,630 |
| Noncurrent loans to loans | 0.1984% | 3,398 |
| Net loans and leases to total assets | 49.2644% | 3,690 |
| Net loans and leases to deposits | 57.7824% | 3,658 |
| Net loans and leases to core deposits | 61.8564% | 3,583 |
| Total domestic deposits to total assets | 85.2585% | 3,009 |
| Equity capital to assets | 14.4746% | 580 |
| Core capital (leverage) ratio | 14.6737% | 534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.8950% | 113 |
| Memoranda: | ||
| Average total assets | $755,991,000 | 1,205 |
| Average earning assets | $730,963,000 | 1,166 |
| Average equity | $110,601,500 | 924 |
| Average total loans | $367,068,000 | 1,500 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5861% | 4,829 |
| Cost of funding earning assets | 0.6896% | 1,773 |
| Net interest margin | 1.8966% | 4,859 |
| Noninterest income to average assets | 0.1916% | 4,329 |
| Noninterest expense to average assets | 1.7530% | 4,541 |
| Loan and lease loss provision to assets | 0.0316% | 4,001 |
| Net operating income to assets | 0.1792% | 4,600 |
| Return on assets (ROA) | 0.1792% | 4,654 |
| Pretax return on assets | 0.2342% | 4,625 |
| Return on Equity (ROE) | 1.1571% | 4,661 |
| Retained earnings to average equity (ytd only) | 1.1571% | 4,163 |
| Net charge-offs to loans | 0.0136% | 2,855 |
| Credit loss provision to net charge-offs | 486.9565% | 1,273 |
| Earnings coverage of net charge-offs (x) | 40.9783% | 1,368 |
| Efficiency ratio | 86.4516% | 516 |
| Assets per employee ($millions) | 6.9123% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5259% | 4,772 |
| Loan loss allowance to noncurrent loans | 269.1643% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 3,792 |
| Noncurrent loans to loans | 0.1954% | 3,506 |
| Net loans and leases to total assets | 47.3262% | 4,023 |
| Net loans and leases to deposits | 55.7149% | 4,017 |
| Net loans and leases to core deposits | 59.6746% | 3,966 |
| Total domestic deposits to total assets | 84.9435% | 2,786 |
| Equity capital to assets | 14.7894% | 608 |
| Core capital (leverage) ratio | 14.8640% | 523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.8007% | 101 |
| Memoranda: | ||
| Average total assets | $709,286,400 | 1,166 |
| Average earning assets | $683,339,200 | 1,124 |
| Average equity | $109,842,800 | 888 |
| Average total loans | $337,888,000 | 1,549 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6999% | 4,860 |
| Cost of funding earning assets | 0.7344% | 1,836 |
| Net interest margin | 1.9655% | 4,897 |
| Noninterest income to average assets | 0.1890% | 4,341 |
| Noninterest expense to average assets | 1.7673% | 4,545 |
| Loan and lease loss provision to assets | 0.0427% | 3,821 |
| Net operating income to assets | 0.2065% | 4,580 |
| Return on assets (ROA) | 0.2065% | 4,623 |
| Pretax return on assets | 0.2712% | 4,577 |
| Return on Equity (ROE) | 1.3175% | 4,656 |
| Retained earnings to average equity (ytd only) | 1.3175% | 4,145 |
| Net charge-offs to loans | 0.0184% | 2,488 |
| Credit loss provision to net charge-offs | 486.9565% | 1,306 |
| Earnings coverage of net charge-offs (x) | 35.8261% | 1,440 |
| Efficiency ratio | 84.5415% | 575 |
| Assets per employee ($millions) | 6.5132% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5617% | 4,771 |
| Loan loss allowance to noncurrent loans | 309.2715% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 3,949 |
| Noncurrent loans to loans | 0.1816% | 3,657 |
| Net loans and leases to total assets | 45.7379% | 4,326 |
| Net loans and leases to deposits | 54.1445% | 4,332 |
| Net loans and leases to core deposits | 58.0542% | 4,301 |
| Total domestic deposits to total assets | 84.4738% | 2,644 |
| Equity capital to assets | 15.2455% | 583 |
| Core capital (leverage) ratio | 15.3331% | 487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.4817% | 95 |
| Memoranda: | ||
| Average total assets | $699,977,250 | 1,161 |
| Average earning assets | $673,876,250 | 1,120 |
| Average equity | $109,702,000 | 885 |
| Average total loans | $333,567,750 | 1,561 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8345% | 4,894 |
| Cost of funding earning assets | 0.7939% | 1,857 |
| Net interest margin | 2.0405% | 4,937 |
| Noninterest income to average assets | 0.1872% | 4,340 |
| Noninterest expense to average assets | 1.7989% | 4,558 |
| Loan and lease loss provision to assets | 0.0647% | 3,484 |
| Net operating income to assets | 0.2178% | 4,548 |
| Return on assets (ROA) | 0.2178% | 4,590 |
| Pretax return on assets | 0.2860% | 4,554 |
| Return on Equity (ROE) | 1.3768% | 4,638 |
| Retained earnings to average equity (ytd only) | 1.3768% | 3,978 |
| Net charge-offs to loans | 0.0276% | 2,168 |
| Credit loss provision to net charge-offs | 486.9565% | 1,258 |
| Earnings coverage of net charge-offs (x) | 26.3913% | 1,525 |
| Efficiency ratio | 83.3087% | 678 |
| Assets per employee ($millions) | 6.4558% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5586% | 4,785 |
| Loan loss allowance to noncurrent loans | 399.1453% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 4,111 |
| Noncurrent loans to loans | 0.1400% | 3,897 |
| Net loans and leases to total assets | 46.8251% | 4,322 |
| Net loans and leases to deposits | 55.6315% | 4,304 |
| Net loans and leases to core deposits | 59.5742% | 4,281 |
| Total domestic deposits to total assets | 84.1702% | 2,694 |
| Equity capital to assets | 15.4743% | 541 |
| Core capital (leverage) ratio | 15.5788% | 485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.8115% | 100 |
| Memoranda: | ||
| Average total assets | $692,316,333 | 1,155 |
| Average earning assets | $665,803,667 | 1,118 |
| Average equity | $109,529,667 | 882 |
| Average total loans | $333,912,000 | 1,538 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0501% | 4,935 |
| Cost of funding earning assets | 0.8695% | 2,015 |
| Net interest margin | 2.1806% | 4,968 |
| Noninterest income to average assets | 0.2043% | 4,327 |
| Noninterest expense to average assets | 1.8624% | 4,584 |
| Loan and lease loss provision to assets | 0.1077% | 2,332 |
| Net operating income to assets | 0.2517% | 4,446 |
| Return on assets (ROA) | 0.2517% | 4,468 |
| Pretax return on assets | 0.3301% | 4,403 |
| Return on Equity (ROE) | 1.5729% | 4,529 |
| Retained earnings to average equity (ytd only) | 1.5729% | 3,579 |
| Net charge-offs to loans | 0.0551% | 1,457 |
| Credit loss provision to net charge-offs | 400.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 16.2609% | 1,533 |
| Efficiency ratio | 80.6107% | 1,080 |
| Assets per employee ($millions) | 5.8253% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5470% | 4,834 |
| Loan loss allowance to noncurrent loans | 476.0417% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 4,236 |
| Noncurrent loans to loans | 0.1149% | 4,062 |
| Net loans and leases to total assets | 48.3487% | 4,317 |
| Net loans and leases to deposits | 57.7396% | 4,293 |
| Net loans and leases to core deposits | 62.0184% | 4,269 |
| Total domestic deposits to total assets | 83.7358% | 2,874 |
| Equity capital to assets | 15.9392% | 594 |
| Core capital (leverage) ratio | 15.9235% | 526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.8897% | 110 |
| Memoranda: | ||
| Average total assets | $683,404,500 | 1,141 |
| Average earning assets | $656,895,500 | 1,098 |
| Average equity | $109,350,000 | 875 |
| Average total loans | $333,672,000 | 1,510 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2787% | 4,974 |
| Cost of funding earning assets | 0.8393% | 2,491 |
| Net interest margin | 2.4394% | 4,995 |
| Noninterest income to average assets | 0.2123% | 4,400 |
| Noninterest expense to average assets | 1.9499% | 4,608 |
| Loan and lease loss provision to assets | 0.0305% | 3,405 |
| Net operating income to assets | 0.4324% | 4,539 |
| Return on assets (ROA) | 0.4324% | 4,571 |
| Pretax return on assets | 0.5818% | 4,439 |
| Return on Equity (ROE) | 2.6834% | 4,709 |
| Retained earnings to average equity (ytd only) | 2.6834% | 3,696 |
| Net charge-offs to loans | 0.0449% | 2,485 |
| Credit loss provision to net charge-offs | 134.2105% | 1,907 |
| Earnings coverage of net charge-offs (x) | 26.9408% | 1,678 |
| Efficiency ratio | 75.7820% | 1,396 |
| Assets per employee ($millions) | 5.8571% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5072% | 4,881 |
| Loan loss allowance to noncurrent loans | 1,134.2282% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 4,548 |
| Noncurrent loans to loans | 0.0447% | 4,381 |
| Net loans and leases to total assets | 48.7890% | 4,381 |
| Net loans and leases to deposits | 58.3642% | 4,359 |
| Net loans and leases to core deposits | 62.4911% | 4,342 |
| Total domestic deposits to total assets | 83.5940% | 2,997 |
| Equity capital to assets | 16.0631% | 589 |
| Core capital (leverage) ratio | 16.0637% | 511 |
| Tier 1 risk-based capital ratio | 46.8991% | 160 |
| Total risk-based capital ratio | 47.6276% | 161 |
| Memoranda: | ||
| Average total assets | $668,798,800 | 1,120 |
| Average earning assets | $644,257,800 | 1,072 |
| Average equity | $107,771,800 | 843 |
| Average total loans | $338,172,600 | 1,466 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3237% | 5,057 |
| Cost of funding earning assets | 0.8083% | 2,672 |
| Net interest margin | 2.5154% | 5,055 |
| Noninterest income to average assets | 0.2090% | 4,472 |
| Noninterest expense to average assets | 1.9767% | 4,598 |
| Loan and lease loss provision to assets | 0.0388% | 3,126 |
| Net operating income to assets | 0.4581% | 4,613 |
| Return on assets (ROA) | 0.4581% | 4,644 |
| Pretax return on assets | 0.6171% | 4,512 |
| Return on Equity (ROE) | 2.8408% | 4,792 |
| Retained earnings to average equity (ytd only) | 2.8408% | 3,958 |
| Net charge-offs to loans | 0.0746% | 1,751 |
| Credit loss provision to net charge-offs | 102.1053% | 2,212 |
| Earnings coverage of net charge-offs (x) | 17.2471% | 2,101 |
| Efficiency ratio | 74.7738% | 1,468 |
| Assets per employee ($millions) | 5.7535% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4933% | 4,980 |
| Loan loss allowance to noncurrent loans | 324.5059% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 3,908 |
| Noncurrent loans to loans | 0.1520% | 3,996 |
| Net loans and leases to total assets | 49.2053% | 4,472 |
| Net loans and leases to deposits | 58.9051% | 4,434 |
| Net loans and leases to core deposits | 62.9883% | 4,424 |
| Total domestic deposits to total assets | 83.5332% | 2,981 |
| Equity capital to assets | 16.1233% | 610 |
| Core capital (leverage) ratio | 16.2351% | 532 |
| Tier 1 risk-based capital ratio | 47.0925% | 158 |
| Total risk-based capital ratio | 47.8074% | 159 |
| Memoranda: | ||
| Average total assets | $666,141,500 | 1,120 |
| Average earning assets | $641,844,250 | 1,076 |
| Average equity | $107,430,500 | 842 |
| Average total loans | $339,421,750 | 1,470 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3415% | 5,112 |
| Cost of funding earning assets | 0.7752% | 2,775 |
| Net interest margin | 2.5663% | 5,094 |
| Noninterest income to average assets | 0.2082% | 4,495 |
| Noninterest expense to average assets | 1.9867% | 4,621 |
| Loan and lease loss provision to assets | 0.0374% | 3,068 |
| Net operating income to assets | 0.4869% | 4,558 |
| Return on assets (ROA) | 0.4869% | 4,593 |
| Pretax return on assets | 0.6577% | 4,430 |
| Return on Equity (ROE) | 3.0188% | 4,789 |
| Retained earnings to average equity (ytd only) | 3.0188% | 3,710 |
| Net charge-offs to loans | 0.1112% | 1,303 |
| Credit loss provision to net charge-offs | 65.2632% | 2,362 |
| Earnings coverage of net charge-offs (x) | 12.1421% | 2,170 |
| Efficiency ratio | 73.7670% | 1,669 |
| Assets per employee ($millions) | 5.7247% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4677% | 5,054 |
| Loan loss allowance to noncurrent loans | 363.8889% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 3,970 |
| Noncurrent loans to loans | 0.1285% | 4,099 |
| Net loans and leases to total assets | 50.3831% | 4,450 |
| Net loans and leases to deposits | 60.4095% | 4,414 |
| Net loans and leases to core deposits | 64.5267% | 4,389 |
| Total domestic deposits to total assets | 83.4027% | 3,071 |
| Equity capital to assets | 16.2426% | 580 |
| Core capital (leverage) ratio | 16.1503% | 531 |
| Tier 1 risk-based capital ratio | 46.5313% | 162 |
| Total risk-based capital ratio | 47.2119% | 165 |
| Memoranda: | ||
| Average total assets | $663,803,670 | 1,125 |
| Average earning assets | $639,839,670 | 1,075 |
| Average equity | $107,062,330 | 840 |
| Average total loans | $341,605,670 | 1,470 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3722% | 5,136 |
| Cost of funding earning assets | 0.7393% | 2,839 |
| Net interest margin | 2.6329% | 5,117 |
| Noninterest income to average assets | 0.1953% | 4,589 |
| Noninterest expense to average assets | 2.0540% | 4,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5033% | 4,513 |
| Return on assets (ROA) | 0.5033% | 4,532 |
| Pretax return on assets | 0.6805% | 4,348 |
| Return on Equity (ROE) | 3.1314% | 4,762 |
| Retained earnings to average equity (ytd only) | 3.1314% | 3,687 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8071% | 1,637 |
| Assets per employee ($millions) | 5.7661% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4785% | 5,104 |
| Loan loss allowance to noncurrent loans | 104.1322% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 3,658 |
| Noncurrent loans to loans | 0.4595% | 2,936 |
| Net loans and leases to total assets | 50.9390% | 4,413 |
| Net loans and leases to deposits | 60.9995% | 4,359 |
| Net loans and leases to core deposits | 65.1610% | 4,318 |
| Total domestic deposits to total assets | 83.5071% | 3,213 |
| Equity capital to assets | 16.0091% | 570 |
| Core capital (leverage) ratio | 16.1248% | 517 |
| Tier 1 risk-based capital ratio | 45.6057% | 165 |
| Total risk-based capital ratio | 46.3059% | 168 |
| Memoranda: | ||
| Average total assets | $663,673,500 | 1,126 |
| Average earning assets | $640,049,500 | 1,080 |
| Average equity | $106,663,000 | 836 |
| Average total loans | $344,334,500 | 1,466 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2060% | 5,147 |
| Cost of funding earning assets | 0.5942% | 2,772 |
| Net interest margin | 2.6118% | 5,149 |
| Noninterest income to average assets | 0.1943% | 4,740 |
| Noninterest expense to average assets | 1.9104% | 4,882 |
| Loan and lease loss provision to assets | 0.0304% | 3,582 |
| Net operating income to assets | 0.5442% | 4,555 |
| Return on assets (ROA) | 0.5442% | 4,556 |
| Pretax return on assets | 0.7738% | 4,238 |
| Return on Equity (ROE) | 3.4647% | 4,827 |
| Retained earnings to average equity (ytd only) | 3.4647% | 3,680 |
| Net charge-offs to loans | 0.0602% | 2,273 |
| Credit loss provision to net charge-offs | 95.7346% | 2,632 |
| Earnings coverage of net charge-offs (x) | 25.3365% | 1,775 |
| Efficiency ratio | 70.0709% | 2,173 |
| Assets per employee ($millions) | 5.7761% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4730% | 5,150 |
| Loan loss allowance to noncurrent loans | 153.5145% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 3,905 |
| Noncurrent loans to loans | 0.3081% | 3,443 |
| Net loans and leases to total assets | 52.3447% | 4,390 |
| Net loans and leases to deposits | 62.6578% | 4,333 |
| Net loans and leases to core deposits | 66.5709% | 4,317 |
| Total domestic deposits to total assets | 83.5405% | 3,146 |
| Equity capital to assets | 16.1351% | 518 |
| Core capital (leverage) ratio | 16.0993% | 500 |
| Tier 1 risk-based capital ratio | 45.4057% | 171 |
| Total risk-based capital ratio | 46.1084% | 174 |
| Memoranda: | ||
| Average total assets | $664,791,800 | 1,095 |
| Average earning assets | $641,482,200 | 1,061 |
| Average equity | $104,423,600 | 819 |
| Average total loans | $350,417,800 | 1,404 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1716% | 5,211 |
| Cost of funding earning assets | 0.5565% | 2,819 |
| Net interest margin | 2.6151% | 5,211 |
| Noninterest income to average assets | 0.1875% | 4,852 |
| Noninterest expense to average assets | 1.9020% | 4,896 |
| Loan and lease loss provision to assets | 0.0266% | 3,477 |
| Net operating income to assets | 0.5424% | 4,666 |
| Return on assets (ROA) | 0.5424% | 4,673 |
| Pretax return on assets | 0.7833% | 4,339 |
| Return on Equity (ROE) | 3.4766% | 4,928 |
| Retained earnings to average equity (ytd only) | 3.4766% | 4,027 |
| Net charge-offs to loans | 0.0091% | 3,097 |
| Credit loss provision to net charge-offs | 554.1667% | 640 |
| Earnings coverage of net charge-offs (x) | 168.6625% | 495 |
| Efficiency ratio | 69.8318% | 2,221 |
| Assets per employee ($millions) | 5.7329% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5008% | 5,189 |
| Loan loss allowance to noncurrent loans | 138.3767% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 3,902 |
| Noncurrent loans to loans | 0.3619% | 3,353 |
| Net loans and leases to total assets | 52.9176% | 4,431 |
| Net loans and leases to deposits | 63.2438% | 4,372 |
| Net loans and leases to core deposits | 67.2522% | 4,336 |
| Total domestic deposits to total assets | 83.6725% | 3,053 |
| Equity capital to assets | 15.9778% | 544 |
| Core capital (leverage) ratio | 15.8581% | 539 |
| Tier 1 risk-based capital ratio | 44.5275% | 176 |
| Total risk-based capital ratio | 45.2727% | 176 |
| Memoranda: | ||
| Average total assets | $666,370,750 | 1,099 |
| Average earning assets | $643,283,750 | 1,060 |
| Average equity | $103,968,000 | 821 |
| Average total loans | $351,443,500 | 1,396 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1355% | 5,273 |
| Cost of funding earning assets | 0.5253% | 2,798 |
| Net interest margin | 2.6102% | 5,269 |
| Noninterest income to average assets | 0.1833% | 4,912 |
| Noninterest expense to average assets | 1.8779% | 4,991 |
| Loan and lease loss provision to assets | 0.0269% | 3,379 |
| Net operating income to assets | 0.5368% | 4,661 |
| Return on assets (ROA) | 0.5368% | 4,669 |
| Pretax return on assets | 0.7988% | 4,249 |
| Return on Equity (ROE) | 3.4682% | 4,934 |
| Retained earnings to average equity (ytd only) | 3.4682% | 3,850 |
| Net charge-offs to loans | 0.0068% | 2,892 |
| Credit loss provision to net charge-offs | 750.0000% | 521 |
| Earnings coverage of net charge-offs (x) | 230.0833% | 385 |
| Efficiency ratio | 69.1482% | 2,456 |
| Assets per employee ($millions) | 5.7696% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4934% | 5,267 |
| Loan loss allowance to noncurrent loans | 121.7361% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 3,863 |
| Noncurrent loans to loans | 0.4053% | 3,242 |
| Net loans and leases to total assets | 51.9782% | 4,481 |
| Net loans and leases to deposits | 61.8478% | 4,428 |
| Net loans and leases to core deposits | 65.5223% | 4,395 |
| Total domestic deposits to total assets | 84.0421% | 3,052 |
| Equity capital to assets | 15.6022% | 576 |
| Core capital (leverage) ratio | 15.5786% | 558 |
| Tier 1 risk-based capital ratio | 43.9910% | 184 |
| Total risk-based capital ratio | 44.7207% | 188 |
| Memoranda: | ||
| Average total assets | $668,732,670 | 1,098 |
| Average earning assets | $645,707,000 | 1,058 |
| Average equity | $103,511,000 | 825 |
| Average total loans | $351,713,330 | 1,392 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1212% | 5,298 |
| Cost of funding earning assets | 0.5063% | 2,749 |
| Net interest margin | 2.6149% | 5,315 |
| Noninterest income to average assets | 0.1807% | 4,945 |
| Noninterest expense to average assets | 1.9304% | 4,973 |
| Loan and lease loss provision to assets | 0.0180% | 3,301 |
| Net operating income to assets | 0.5098% | 4,666 |
| Return on assets (ROA) | 0.5098% | 4,673 |
| Pretax return on assets | 0.7576% | 4,270 |
| Return on Equity (ROE) | 3.3070% | 4,951 |
| Retained earnings to average equity (ytd only) | 3.3070% | 3,884 |
| Net charge-offs to loans | 0.0136% | 2,273 |
| Credit loss provision to net charge-offs | 250.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 577 |
| Efficiency ratio | 71.0305% | 2,331 |
| Assets per employee ($millions) | 5.9278% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4732% | 5,361 |
| Loan loss allowance to noncurrent loans | 129.9766% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 4,052 |
| Noncurrent loans to loans | 0.3640% | 3,466 |
| Net loans and leases to total assets | 52.2841% | 4,417 |
| Net loans and leases to deposits | 62.0565% | 4,337 |
| Net loans and leases to core deposits | 65.7559% | 4,323 |
| Total domestic deposits to total assets | 84.2524% | 3,217 |
| Equity capital to assets | 15.4489% | 576 |
| Core capital (leverage) ratio | 15.4424% | 562 |
| Tier 1 risk-based capital ratio | 43.4189% | 190 |
| Total risk-based capital ratio | 44.1206% | 192 |
| Memoranda: | ||
| Average total assets | $668,459,500 | 1,110 |
| Average earning assets | $645,528,500 | 1,070 |
| Average equity | $103,055,500 | 828 |
| Average total loans | $352,768,000 | 1,387 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9526% | 5,386 |
| Cost of funding earning assets | 0.4639% | 2,652 |
| Net interest margin | 2.4888% | 5,417 |
| Noninterest income to average assets | 0.2086% | 4,893 |
| Noninterest expense to average assets | 1.8676% | 5,163 |
| Loan and lease loss provision to assets | 0.0223% | 3,855 |
| Net operating income to assets | 0.5055% | 4,359 |
| Return on assets (ROA) | 0.5055% | 4,394 |
| Pretax return on assets | 0.7260% | 4,445 |
| Return on Equity (ROE) | 3.3806% | 4,719 |
| Retained earnings to average equity (ytd only) | 3.3806% | 3,265 |
| Net charge-offs to loans | 0.0462% | 2,863 |
| Credit loss provision to net charge-offs | 89.8204% | 2,787 |
| Earnings coverage of net charge-offs (x) | 30.1976% | 1,544 |
| Efficiency ratio | 71.0777% | 2,386 |
| Assets per employee ($millions) | 5.8007% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4657% | 5,430 |
| Loan loss allowance to noncurrent loans | 115.7414% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 4,070 |
| Noncurrent loans to loans | 0.4024% | 3,322 |
| Net loans and leases to total assets | 52.7679% | 4,463 |
| Net loans and leases to deposits | 62.5836% | 4,399 |
| Net loans and leases to core deposits | 66.1090% | 4,406 |
| Total domestic deposits to total assets | 84.3159% | 3,090 |
| Equity capital to assets | 15.3847% | 608 |
| Core capital (leverage) ratio | 15.3213% | 567 |
| Tier 1 risk-based capital ratio | 43.5988% | 171 |
| Total risk-based capital ratio | 44.3010% | 175 |
| Memoranda: | ||
| Average total assets | $673,967,400 | 1,084 |
| Average earning assets | $651,889,400 | 1,031 |
| Average equity | $100,781,800 | 821 |
| Average total loans | $361,626,800 | 1,345 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9371% | 5,456 |
| Cost of funding earning assets | 0.4449% | 2,760 |
| Net interest margin | 2.4922% | 5,476 |
| Noninterest income to average assets | 0.2153% | 4,931 |
| Noninterest expense to average assets | 1.8882% | 5,151 |
| Loan and lease loss provision to assets | 0.0207% | 3,734 |
| Net operating income to assets | 0.4517% | 4,878 |
| Return on assets (ROA) | 0.4517% | 4,905 |
| Pretax return on assets | 0.7183% | 4,563 |
| Return on Equity (ROE) | 3.0422% | 5,101 |
| Retained earnings to average equity (ytd only) | 3.0422% | 4,098 |
| Net charge-offs to loans | 0.0612% | 2,241 |
| Credit loss provision to net charge-offs | 62.8743% | 2,773 |
| Earnings coverage of net charge-offs (x) | 22.4253% | 1,863 |
| Efficiency ratio | 71.5563% | 2,268 |
| Assets per employee ($millions) | 5.5816% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4481% | 5,522 |
| Loan loss allowance to noncurrent loans | 146.1679% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 4,457 |
| Noncurrent loans to loans | 0.3066% | 3,840 |
| Net loans and leases to total assets | 53.1392% | 4,482 |
| Net loans and leases to deposits | 62.9067% | 4,448 |
| Net loans and leases to core deposits | 66.3482% | 4,459 |
| Total domestic deposits to total assets | 84.4731% | 2,930 |
| Equity capital to assets | 15.1559% | 701 |
| Core capital (leverage) ratio | 15.1161% | 640 |
| Tier 1 risk-based capital ratio | 43.2870% | 186 |
| Total risk-based capital ratio | 43.9726% | 187 |
| Memoranda: | ||
| Average total assets | $675,688,500 | 1,084 |
| Average earning assets | $653,921,500 | 1,036 |
| Average equity | $100,320,000 | 823 |
| Average total loans | $363,620,250 | 1,344 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9013% | 5,507 |
| Cost of funding earning assets | 0.4316% | 2,790 |
| Net interest margin | 2.4697% | 5,525 |
| Noninterest income to average assets | 0.2184% | 4,944 |
| Noninterest expense to average assets | 1.9069% | 5,178 |
| Loan and lease loss provision to assets | 0.0266% | 3,471 |
| Net operating income to assets | 0.4321% | 4,891 |
| Return on assets (ROA) | 0.4321% | 4,918 |
| Pretax return on assets | 0.6762% | 4,611 |
| Return on Equity (ROE) | 2.9303% | 5,145 |
| Retained earnings to average equity (ytd only) | 2.9303% | 3,973 |
| Net charge-offs to loans | 0.0913% | 1,697 |
| Credit loss provision to net charge-offs | 53.8922% | 2,518 |
| Earnings coverage of net charge-offs (x) | 14.2575% | 2,085 |
| Efficiency ratio | 72.7550% | 2,224 |
| Assets per employee ($millions) | 5.6362% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4393% | 5,578 |
| Loan loss allowance to noncurrent loans | 170.0965% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 4,594 |
| Noncurrent loans to loans | 0.2582% | 4,113 |
| Net loans and leases to total assets | 53.1826% | 4,471 |
| Net loans and leases to deposits | 62.7163% | 4,454 |
| Net loans and leases to core deposits | 66.2627% | 4,454 |
| Total domestic deposits to total assets | 84.7986% | 2,891 |
| Equity capital to assets | 14.8870% | 720 |
| Core capital (leverage) ratio | 14.8359% | 669 |
| Tier 1 risk-based capital ratio | 43.5897% | 173 |
| Total risk-based capital ratio | 44.2794% | 177 |
| Memoranda: | ||
| Average total assets | $677,656,000 | 1,081 |
| Average earning assets | $656,121,330 | 1,035 |
| Average equity | $99,922,670 | 825 |
| Average total loans | $365,653,330 | 1,338 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8655% | 5,562 |
| Cost of funding earning assets | 0.4249% | 2,770 |
| Net interest margin | 2.4406% | 5,589 |
| Noninterest income to average assets | 0.1804% | 5,188 |
| Noninterest expense to average assets | 1.9236% | 5,194 |
| Loan and lease loss provision to assets | 0.0236% | 3,275 |
| Net operating income to assets | 0.3733% | 5,014 |
| Return on assets (ROA) | 0.3733% | 5,037 |
| Pretax return on assets | 0.5974% | 4,740 |
| Return on Equity (ROE) | 2.5437% | 5,218 |
| Retained earnings to average equity (ytd only) | 2.5437% | 4,124 |
| Net charge-offs to loans | -0.0098% | 4,413 |
| Credit loss provision to net charge-offs | -444.4444% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2723% | 2,024 |
| Assets per employee ($millions) | 5.6559% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4676% | 5,623 |
| Loan loss allowance to noncurrent loans | 119.2067% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 4,373 |
| Noncurrent loans to loans | 0.3923% | 3,698 |
| Net loans and leases to total assets | 53.7220% | 4,358 |
| Net loans and leases to deposits | 63.2125% | 4,356 |
| Net loans and leases to core deposits | 66.7899% | 4,376 |
| Total domestic deposits to total assets | 84.9864% | 3,097 |
| Equity capital to assets | 14.7127% | 711 |
| Core capital (leverage) ratio | 14.7181% | 662 |
| Tier 1 risk-based capital ratio | 42.5053% | 197 |
| Total risk-based capital ratio | 43.2374% | 198 |
| Memoranda: | ||
| Average total assets | $678,312,000 | 1,080 |
| Average earning assets | $657,053,000 | 1,037 |
| Average equity | $99,540,500 | 825 |
| Average total loans | $367,838,000 | 1,340 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9445% | 5,542 |
| Cost of funding earning assets | 0.4464% | 2,566 |
| Net interest margin | 2.4982% | 5,589 |
| Noninterest income to average assets | 0.2050% | 5,183 |
| Noninterest expense to average assets | 1.8876% | 5,377 |
| Loan and lease loss provision to assets | 0.0396% | 3,588 |
| Net operating income to assets | 0.4357% | 4,837 |
| Return on assets (ROA) | 0.4357% | 4,927 |
| Pretax return on assets | 0.7056% | 4,468 |
| Return on Equity (ROE) | 3.1543% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.1543% | 3,664 |
| Net charge-offs to loans | 0.1522% | 1,739 |
| Credit loss provision to net charge-offs | 48.2824% | 3,402 |
| Earnings coverage of net charge-offs (x) | 9.0878% | 2,787 |
| Efficiency ratio | 71.4812% | 2,672 |
| Assets per employee ($millions) | 5.8441% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4505% | 5,701 |
| Loan loss allowance to noncurrent loans | 112.3565% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 4,432 |
| Noncurrent loans to loans | 0.4010% | 3,710 |
| Net loans and leases to total assets | 54.2373% | 4,427 |
| Net loans and leases to deposits | 63.7461% | 4,431 |
| Net loans and leases to core deposits | 67.4629% | 4,437 |
| Total domestic deposits to total assets | 85.0833% | 3,011 |
| Equity capital to assets | 14.6367% | 701 |
| Core capital (leverage) ratio | 14.6492% | 662 |
| Tier 1 risk-based capital ratio | 42.5752% | 193 |
| Total risk-based capital ratio | 43.2914% | 198 |
| Memoranda: | ||
| Average total assets | $639,026,400 | 1,104 |
| Average earning assets | $621,016,200 | 1,054 |
| Average equity | $88,260,400 | 901 |
| Average total loans | $344,267,800 | 1,357 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9835% | 5,585 |
| Cost of funding earning assets | 0.4398% | 2,640 |
| Net interest margin | 2.5437% | 5,631 |
| Noninterest income to average assets | 0.1975% | 5,279 |
| Noninterest expense to average assets | 1.9019% | 5,372 |
| Loan and lease loss provision to assets | 0.0392% | 3,456 |
| Net operating income to assets | 0.4513% | 4,870 |
| Return on assets (ROA) | 0.4513% | 4,955 |
| Pretax return on assets | 0.7305% | 4,529 |
| Return on Equity (ROE) | 3.3208% | 5,137 |
| Retained earnings to average equity (ytd only) | 3.3208% | 3,910 |
| Net charge-offs to loans | 0.1511% | 1,484 |
| Credit loss provision to net charge-offs | 48.3029% | 3,056 |
| Earnings coverage of net charge-offs (x) | 9.4857% | 2,677 |
| Efficiency ratio | 71.0151% | 2,737 |
| Assets per employee ($millions) | 5.6313% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4694% | 5,751 |
| Loan loss allowance to noncurrent loans | 161.2813% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 4,709 |
| Noncurrent loans to loans | 0.2910% | 4,217 |
| Net loans and leases to total assets | 54.5080% | 4,442 |
| Net loans and leases to deposits | 63.9600% | 4,493 |
| Net loans and leases to core deposits | 67.7144% | 4,489 |
| Total domestic deposits to total assets | 85.2220% | 2,707 |
| Equity capital to assets | 14.5869% | 848 |
| Core capital (leverage) ratio | 14.5486% | 711 |
| Tier 1 risk-based capital ratio | 43.0333% | 194 |
| Total risk-based capital ratio | 43.7940% | 197 |
| Memoranda: | ||
| Average total assets | $629,304,750 | 1,124 |
| Average earning assets | $612,115,750 | 1,066 |
| Average equity | $85,519,500 | 935 |
| Average total loans | $337,998,250 | 1,384 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9965% | 5,655 |
| Cost of funding earning assets | 0.4413% | 2,648 |
| Net interest margin | 2.5552% | 5,706 |
| Noninterest income to average assets | 0.1968% | 5,319 |
| Noninterest expense to average assets | 1.8944% | 5,460 |
| Loan and lease loss provision to assets | 0.0505% | 3,137 |
| Net operating income to assets | 0.4575% | 4,843 |
| Return on assets (ROA) | 0.4575% | 4,933 |
| Pretax return on assets | 0.7403% | 4,494 |
| Return on Equity (ROE) | 3.4594% | 5,111 |
| Retained earnings to average equity (ytd only) | 3.4594% | 3,690 |
| Net charge-offs to loans | 0.0782% | 2,074 |
| Credit loss provision to net charge-offs | 121.0938% | 1,852 |
| Earnings coverage of net charge-offs (x) | 18.9609% | 1,797 |
| Efficiency ratio | 70.4526% | 2,910 |
| Assets per employee ($millions) | 6.0872% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6067% | 5,675 |
| Loan loss allowance to noncurrent loans | 183.5360% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 4,689 |
| Noncurrent loans to loans | 0.3305% | 4,183 |
| Net loans and leases to total assets | 52.2836% | 4,644 |
| Net loans and leases to deposits | 60.3953% | 4,769 |
| Net loans and leases to core deposits | 63.9753% | 4,750 |
| Total domestic deposits to total assets | 86.5689% | 2,127 |
| Equity capital to assets | 13.3148% | 1,325 |
| Core capital (leverage) ratio | 13.2254% | 1,080 |
| Tier 1 risk-based capital ratio | 41.6679% | 209 |
| Total risk-based capital ratio | 42.6677% | 210 |
| Memoranda: | ||
| Average total assets | $613,823,000 | 1,150 |
| Average earning assets | $597,763,330 | 1,098 |
| Average equity | $81,169,000 | 982 |
| Average total loans | $327,306,000 | 1,424 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9561% | 5,731 |
| Cost of funding earning assets | 0.4388% | 2,691 |
| Net interest margin | 2.5173% | 5,793 |
| Noninterest income to average assets | 0.1885% | 5,379 |
| Noninterest expense to average assets | 1.8678% | 5,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4780% | 4,714 |
| Return on assets (ROA) | 0.4780% | 4,811 |
| Pretax return on assets | 0.7715% | 4,295 |
| Return on Equity (ROE) | 3.6277% | 5,022 |
| Retained earnings to average equity (ytd only) | 3.6277% | 3,678 |
| Net charge-offs to loans | 0.0863% | 1,633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 16.6620% | 1,608 |
| Efficiency ratio | 70.6696% | 3,011 |
| Assets per employee ($millions) | 5.9251% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5681% | 5,794 |
| Loan loss allowance to noncurrent loans | 164.9558% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 4,726 |
| Noncurrent loans to loans | 0.3444% | 4,203 |
| Net loans and leases to total assets | 52.9475% | 4,541 |
| Net loans and leases to deposits | 61.0475% | 4,645 |
| Net loans and leases to core deposits | 64.5777% | 4,653 |
| Total domestic deposits to total assets | 86.7316% | 2,339 |
| Equity capital to assets | 13.1757% | 1,328 |
| Core capital (leverage) ratio | 13.2539% | 1,066 |
| Tier 1 risk-based capital ratio | 40.4403% | 227 |
| Total risk-based capital ratio | 41.3698% | 226 |
| Memoranda: | ||
| Average total assets | $613,332,000 | 1,148 |
| Average earning assets | $597,145,500 | 1,084 |
| Average equity | $80,823,500 | 985 |
| Average total loans | $329,257,000 | 1,406 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0095% | 5,717 |
| Cost of funding earning assets | 0.4656% | 2,477 |
| Net interest margin | 2.5439% | 5,799 |
| Noninterest income to average assets | 0.2487% | 5,105 |
| Noninterest expense to average assets | 1.8403% | 5,684 |
| Loan and lease loss provision to assets | 0.0352% | 3,641 |
| Net operating income to assets | 0.5383% | 4,546 |
| Return on assets (ROA) | 0.5383% | 4,636 |
| Pretax return on assets | 0.8503% | 4,021 |
| Return on Equity (ROE) | 4.1350% | 4,884 |
| Retained earnings to average equity (ytd only) | 4.1350% | 3,057 |
| Net charge-offs to loans | 0.0595% | 3,029 |
| Credit loss provision to net charge-offs | 105.1282% | 2,390 |
| Earnings coverage of net charge-offs (x) | 26.4410% | 1,588 |
| Efficiency ratio | 67.4690% | 3,670 |
| Assets per employee ($millions) | 5.7052% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5857% | 5,813 |
| Loan loss allowance to noncurrent loans | 118.5662% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 4,485 |
| Noncurrent loans to loans | 0.4940% | 3,716 |
| Net loans and leases to total assets | 53.8037% | 4,527 |
| Net loans and leases to deposits | 62.0581% | 4,634 |
| Net loans and leases to core deposits | 65.6323% | 4,621 |
| Total domestic deposits to total assets | 86.6989% | 2,275 |
| Equity capital to assets | 13.1799% | 1,267 |
| Core capital (leverage) ratio | 13.2465% | 1,061 |
| Tier 1 risk-based capital ratio | 39.7696% | 232 |
| Total risk-based capital ratio | 40.7268% | 233 |
| Memoranda: | ||
| Average total assets | $582,247,400 | 1,174 |
| Average earning assets | $566,974,600 | 1,101 |
| Average equity | $75,792,600 | 1,008 |
| Average total loans | $327,888,600 | 1,361 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0256% | 5,790 |
| Cost of funding earning assets | 0.4637% | 2,544 |
| Net interest margin | 2.5620% | 5,872 |
| Noninterest income to average assets | 0.2065% | 5,412 |
| Noninterest expense to average assets | 1.8210% | 5,752 |
| Loan and lease loss provision to assets | 0.0220% | 3,835 |
| Net operating income to assets | 0.5239% | 4,703 |
| Return on assets (ROA) | 0.5239% | 4,791 |
| Pretax return on assets | 0.8586% | 4,141 |
| Return on Equity (ROE) | 4.0378% | 5,020 |
| Retained earnings to average equity (ytd only) | 4.0378% | 3,590 |
| Net charge-offs to loans | 0.0562% | 2,799 |
| Credit loss provision to net charge-offs | 68.8406% | 2,789 |
| Earnings coverage of net charge-offs (x) | 27.5283% | 1,581 |
| Efficiency ratio | 67.3788% | 3,653 |
| Assets per employee ($millions) | 5.6896% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5653% | 5,943 |
| Loan loss allowance to noncurrent loans | 128.5519% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 4,757 |
| Noncurrent loans to loans | 0.4397% | 4,030 |
| Net loans and leases to total assets | 54.8904% | 4,472 |
| Net loans and leases to deposits | 63.3599% | 4,611 |
| Net loans and leases to core deposits | 67.3297% | 4,602 |
| Total domestic deposits to total assets | 86.6327% | 2,220 |
| Equity capital to assets | 13.1955% | 1,353 |
| Core capital (leverage) ratio | 13.1890% | 1,141 |
| Tier 1 risk-based capital ratio | 39.4016% | 255 |
| Total risk-based capital ratio | 40.3342% | 260 |
| Memoranda: | ||
| Average total assets | $575,195,750 | 1,191 |
| Average earning assets | $560,174,750 | 1,120 |
| Average equity | $74,626,500 | 1,029 |
| Average total loans | $327,265,250 | 1,371 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0425% | 5,814 |
| Cost of funding earning assets | 0.4691% | 2,527 |
| Net interest margin | 2.5734% | 5,907 |
| Noninterest income to average assets | 0.2022% | 5,469 |
| Noninterest expense to average assets | 1.8357% | 5,803 |
| Loan and lease loss provision to assets | 0.0300% | 3,529 |
| Net operating income to assets | 0.5139% | 4,709 |
| Return on assets (ROA) | 0.5139% | 4,818 |
| Pretax return on assets | 0.8433% | 4,150 |
| Return on Equity (ROE) | 3.9849% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.9849% | 3,480 |
| Net charge-offs to loans | 0.0848% | 2,193 |
| Credit loss provision to net charge-offs | 61.5942% | 2,575 |
| Earnings coverage of net charge-offs (x) | 17.9058% | 1,830 |
| Efficiency ratio | 67.7626% | 3,706 |
| Assets per employee ($millions) | 5.6228% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5785% | 6,006 |
| Loan loss allowance to noncurrent loans | 170.8029% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 5,061 |
| Noncurrent loans to loans | 0.3387% | 4,473 |
| Net loans and leases to total assets | 56.6475% | 4,260 |
| Net loans and leases to deposits | 65.1964% | 4,414 |
| Net loans and leases to core deposits | 69.1511% | 4,396 |
| Total domestic deposits to total assets | 86.8874% | 2,226 |
| Equity capital to assets | 12.9775% | 1,417 |
| Core capital (leverage) ratio | 12.9519% | 1,187 |
| Tier 1 risk-based capital ratio | 37.4771% | 302 |
| Total risk-based capital ratio | 38.4290% | 305 |
| Memoranda: | ||
| Average total assets | $565,894,330 | 1,219 |
| Average earning assets | $551,249,670 | 1,143 |
| Average equity | $72,974,670 | 1,055 |
| Average total loans | $325,378,330 | 1,377 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0720% | 5,817 |
| Cost of funding earning assets | 0.4719% | 2,543 |
| Net interest margin | 2.6001% | 5,927 |
| Noninterest income to average assets | 0.1976% | 5,531 |
| Noninterest expense to average assets | 1.8269% | 5,862 |
| Loan and lease loss provision to assets | 0.0531% | 2,883 |
| Net operating income to assets | 0.5183% | 4,590 |
| Return on assets (ROA) | 0.5183% | 4,711 |
| Pretax return on assets | 0.8497% | 4,061 |
| Return on Equity (ROE) | 4.0324% | 4,968 |
| Retained earnings to average equity (ytd only) | 4.0324% | 3,586 |
| Net charge-offs to loans | 0.1201% | 1,544 |
| Credit loss provision to net charge-offs | 76.5306% | 1,863 |
| Earnings coverage of net charge-offs (x) | 13.0102% | 1,752 |
| Efficiency ratio | 66.9261% | 3,999 |
| Assets per employee ($millions) | 5.3951% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5866% | 6,078 |
| Loan loss allowance to noncurrent loans | 155.5192% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 5,035 |
| Noncurrent loans to loans | 0.3772% | 4,459 |
| Net loans and leases to total assets | 56.8993% | 4,100 |
| Net loans and leases to deposits | 65.4022% | 4,216 |
| Net loans and leases to core deposits | 69.3967% | 4,211 |
| Total domestic deposits to total assets | 86.9991% | 2,368 |
| Equity capital to assets | 12.8826% | 1,463 |
| Core capital (leverage) ratio | 12.8908% | 1,196 |
| Tier 1 risk-based capital ratio | 36.9758% | 310 |
| Total risk-based capital ratio | 37.9395% | 311 |
| Memoranda: | ||
| Average total assets | $564,892,500 | 1,219 |
| Average earning assets | $550,135,000 | 1,148 |
| Average equity | $72,612,500 | 1,059 |
| Average total loans | $326,281,500 | 1,372 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1482% | 5,903 |
| Cost of funding earning assets | 0.5040% | 2,633 |
| Net interest margin | 2.6442% | 6,018 |
| Noninterest income to average assets | 0.2173% | 5,550 |
| Noninterest expense to average assets | 1.7861% | 6,083 |
| Loan and lease loss provision to assets | 0.0833% | 2,815 |
| Net operating income to assets | 0.5639% | 4,536 |
| Return on assets (ROA) | 0.5639% | 4,630 |
| Pretax return on assets | 0.9270% | 3,792 |
| Return on Equity (ROE) | 4.5016% | 4,887 |
| Retained earnings to average equity (ytd only) | 4.5016% | 2,967 |
| Net charge-offs to loans | 0.1521% | 2,519 |
| Credit loss provision to net charge-offs | 92.7022% | 2,584 |
| Earnings coverage of net charge-offs (x) | 11.2446% | 2,520 |
| Efficiency ratio | 63.8720% | 4,606 |
| Assets per employee ($millions) | 5.5225% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5863% | 6,158 |
| Loan loss allowance to noncurrent loans | 99.8444% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 4,687 |
| Noncurrent loans to loans | 0.5872% | 3,903 |
| Net loans and leases to total assets | 57.9460% | 4,049 |
| Net loans and leases to deposits | 66.5481% | 4,260 |
| Net loans and leases to core deposits | 70.6252% | 4,264 |
| Total domestic deposits to total assets | 87.0739% | 2,237 |
| Equity capital to assets | 12.8257% | 1,451 |
| Core capital (leverage) ratio | 12.8539% | 1,196 |
| Tier 1 risk-based capital ratio | 35.8401% | 316 |
| Total risk-based capital ratio | 36.7953% | 319 |
| Memoranda: | ||
| Average total assets | $564,289,400 | 1,173 |
| Average earning assets | $550,407,200 | 1,097 |
| Average equity | $70,686,600 | 1,041 |
| Average total loans | $333,439,400 | 1,312 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1581% | 5,949 |
| Cost of funding earning assets | 0.5013% | 2,744 |
| Net interest margin | 2.6569% | 6,060 |
| Noninterest income to average assets | 0.2206% | 5,611 |
| Noninterest expense to average assets | 1.7775% | 6,122 |
| Loan and lease loss provision to assets | 0.0803% | 2,743 |
| Net operating income to assets | 0.5805% | 4,537 |
| Return on assets (ROA) | 0.5805% | 4,622 |
| Pretax return on assets | 0.9553% | 3,774 |
| Return on Equity (ROE) | 4.6620% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.6620% | 3,314 |
| Net charge-offs to loans | 0.1271% | 2,523 |
| Credit loss provision to net charge-offs | 106.5831% | 2,088 |
| Earnings coverage of net charge-offs (x) | 13.7462% | 2,199 |
| Efficiency ratio | 63.1853% | 4,691 |
| Assets per employee ($millions) | 5.4316% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5937% | 6,228 |
| Loan loss allowance to noncurrent loans | 94.4736% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3752% | 4,796 |
| Noncurrent loans to loans | 0.6285% | 4,041 |
| Net loans and leases to total assets | 59.3430% | 3,886 |
| Net loans and leases to deposits | 68.1700% | 4,109 |
| Net loans and leases to core deposits | 72.3566% | 4,117 |
| Total domestic deposits to total assets | 87.0515% | 2,292 |
| Equity capital to assets | 12.7841% | 1,537 |
| Core capital (leverage) ratio | 12.7530% | 1,282 |
| Tier 1 risk-based capital ratio | 34.9230% | 355 |
| Total risk-based capital ratio | 35.8914% | 361 |
| Memoranda: | ||
| Average total assets | $564,536,750 | 1,183 |
| Average earning assets | $550,862,000 | 1,105 |
| Average equity | $70,296,500 | 1,048 |
| Average total loans | $334,715,500 | 1,308 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1518% | 6,002 |
| Cost of funding earning assets | 0.5022% | 2,813 |
| Net interest margin | 2.6496% | 6,116 |
| Noninterest income to average assets | 0.2236% | 5,606 |
| Noninterest expense to average assets | 1.7834% | 6,169 |
| Loan and lease loss provision to assets | 0.0724% | 2,824 |
| Net operating income to assets | 0.5793% | 4,459 |
| Return on assets (ROA) | 0.5793% | 4,556 |
| Pretax return on assets | 0.9544% | 3,665 |
| Return on Equity (ROE) | 4.6932% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.6932% | 3,156 |
| Net charge-offs to loans | 0.1063% | 2,617 |
| Credit loss provision to net charge-offs | 115.1685% | 1,761 |
| Earnings coverage of net charge-offs (x) | 16.3315% | 1,800 |
| Efficiency ratio | 63.4615% | 4,776 |
| Assets per employee ($millions) | 5.4853% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5888% | 6,326 |
| Loan loss allowance to noncurrent loans | 131.3738% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2680% | 5,290 |
| Noncurrent loans to loans | 0.4482% | 4,640 |
| Net loans and leases to total assets | 59.4362% | 3,795 |
| Net loans and leases to deposits | 68.0067% | 4,049 |
| Net loans and leases to core deposits | 71.8305% | 4,066 |
| Total domestic deposits to total assets | 87.3977% | 2,249 |
| Equity capital to assets | 12.5144% | 1,632 |
| Core capital (leverage) ratio | 12.4971% | 1,397 |
| Tier 1 risk-based capital ratio | 34.2417% | 369 |
| Total risk-based capital ratio | 35.2052% | 368 |
| Memoranda: | ||
| Average total assets | $566,231,330 | 1,174 |
| Average earning assets | $552,762,000 | 1,100 |
| Average equity | $69,888,330 | 1,043 |
| Average total loans | $334,961,000 | 1,307 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1413% | 6,072 |
| Cost of funding earning assets | 0.5068% | 2,831 |
| Net interest margin | 2.6345% | 6,190 |
| Noninterest income to average assets | 0.1863% | 5,849 |
| Noninterest expense to average assets | 1.7260% | 6,314 |
| Loan and lease loss provision to assets | 0.0741% | 2,653 |
| Net operating income to assets | 0.5822% | 4,280 |
| Return on assets (ROA) | 0.5822% | 4,352 |
| Pretax return on assets | 0.9576% | 3,484 |
| Return on Equity (ROE) | 4.7495% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.7495% | 3,265 |
| Net charge-offs to loans | 0.0815% | 2,339 |
| Credit loss provision to net charge-offs | 154.4118% | 1,236 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,286 |
| Efficiency ratio | 62.5896% | 5,051 |
| Assets per employee ($millions) | 5.5260% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6005% | 6,409 |
| Loan loss allowance to noncurrent loans | 152.2468% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 5,439 |
| Noncurrent loans to loans | 0.3944% | 4,947 |
| Net loans and leases to total assets | 58.1387% | 3,823 |
| Net loans and leases to deposits | 66.3461% | 4,052 |
| Net loans and leases to core deposits | 70.0649% | 4,086 |
| Total domestic deposits to total assets | 87.6294% | 2,439 |
| Equity capital to assets | 12.2796% | 1,702 |
| Core capital (leverage) ratio | 12.3752% | 1,438 |
| Tier 1 risk-based capital ratio | 34.3716% | 369 |
| Total risk-based capital ratio | 35.3549% | 368 |
| Memoranda: | ||
| Average total assets | $566,856,000 | 1,174 |
| Average earning assets | $553,279,000 | 1,113 |
| Average equity | $69,480,500 | 1,050 |
| Average total loans | $333,545,000 | 1,317 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2510% | 6,070 |
| Cost of funding earning assets | 0.5709% | 2,915 |
| Net interest margin | 2.6801% | 6,165 |
| Noninterest income to average assets | 0.2146% | 5,796 |
| Noninterest expense to average assets | 1.7402% | 6,400 |
| Loan and lease loss provision to assets | 0.0153% | 4,820 |
| Net operating income to assets | 0.6496% | 4,031 |
| Return on assets (ROA) | 0.6496% | 4,142 |
| Pretax return on assets | 1.0710% | 3,064 |
| Return on Equity (ROE) | 5.4264% | 4,437 |
| Retained earnings to average equity (ytd only) | 5.4264% | 2,329 |
| Net charge-offs to loans | 0.0438% | 4,604 |
| Credit loss provision to net charge-offs | 60.1399% | 3,559 |
| Earnings coverage of net charge-offs (x) | 42.6923% | 893 |
| Efficiency ratio | 61.5675% | 5,278 |
| Assets per employee ($millions) | 5.7023% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5871% | 6,493 |
| Loan loss allowance to noncurrent loans | 182.6816% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 5,703 |
| Noncurrent loans to loans | 0.3214% | 5,222 |
| Net loans and leases to total assets | 58.8479% | 3,895 |
| Net loans and leases to deposits | 67.1135% | 4,171 |
| Net loans and leases to core deposits | 70.9061% | 4,198 |
| Total domestic deposits to total assets | 87.6841% | 2,370 |
| Equity capital to assets | 12.2346% | 1,660 |
| Core capital (leverage) ratio | 12.2640% | 1,462 |
| Tier 1 risk-based capital ratio | 34.0309% | 365 |
| Total risk-based capital ratio | 34.9978% | 365 |
| Memoranda: | ||
| Average total assets | $561,997,400 | 1,176 |
| Average earning assets | $547,707,600 | 1,102 |
| Average equity | $67,281,800 | 1,067 |
| Average total loans | $326,256,000 | 1,309 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2723% | 6,105 |
| Cost of funding earning assets | 0.5761% | 3,035 |
| Net interest margin | 2.6963% | 6,182 |
| Noninterest income to average assets | 0.2142% | 5,898 |
| Noninterest expense to average assets | 1.7360% | 6,434 |
| Loan and lease loss provision to assets | 0.0074% | 4,828 |
| Net operating income to assets | 0.6655% | 4,037 |
| Return on assets (ROA) | 0.6655% | 4,173 |
| Pretax return on assets | 1.0978% | 3,124 |
| Return on Equity (ROE) | 5.5897% | 4,425 |
| Retained earnings to average equity (ytd only) | 5.5897% | 2,671 |
| Net charge-offs to loans | 0.0461% | 4,250 |
| Credit loss provision to net charge-offs | 27.6786% | 3,937 |
| Earnings coverage of net charge-offs (x) | 41.5445% | 977 |
| Efficiency ratio | 61.1018% | 5,263 |
| Assets per employee ($millions) | 5.4140% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5786% | 6,591 |
| Loan loss allowance to noncurrent loans | 294.5289% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 6,038 |
| Noncurrent loans to loans | 0.1965% | 5,748 |
| Net loans and leases to total assets | 59.1426% | 3,831 |
| Net loans and leases to deposits | 67.4238% | 4,126 |
| Net loans and leases to core deposits | 71.4855% | 4,149 |
| Total domestic deposits to total assets | 87.7177% | 2,290 |
| Equity capital to assets | 12.1164% | 1,853 |
| Core capital (leverage) ratio | 12.1241% | 1,604 |
| Tier 1 risk-based capital ratio | 33.5254% | 385 |
| Total risk-based capital ratio | 34.4780% | 387 |
| Memoranda: | ||
| Average total assets | $561,364,250 | 1,193 |
| Average earning assets | $546,915,750 | 1,115 |
| Average equity | $66,835,250 | 1,084 |
| Average total loans | $324,276,000 | 1,316 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3044% | 6,082 |
| Cost of funding earning assets | 0.5852% | 3,081 |
| Net interest margin | 2.7192% | 6,148 |
| Noninterest income to average assets | 0.2122% | 5,923 |
| Noninterest expense to average assets | 1.7550% | 6,443 |
| Loan and lease loss provision to assets | 0.0057% | 4,722 |
| Net operating income to assets | 0.6658% | 3,993 |
| Return on assets (ROA) | 0.6658% | 4,145 |
| Pretax return on assets | 1.0995% | 3,096 |
| Return on Equity (ROE) | 5.6258% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.6258% | 2,659 |
| Net charge-offs to loans | 0.0218% | 4,401 |
| Credit loss provision to net charge-offs | 45.7143% | 3,298 |
| Earnings coverage of net charge-offs (x) | 88.5429% | 514 |
| Efficiency ratio | 61.3591% | 5,272 |
| Assets per employee ($millions) | 5.5758% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6090% | 6,605 |
| Loan loss allowance to noncurrent loans | 387.5969% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 6,142 |
| Noncurrent loans to loans | 0.1571% | 5,930 |
| Net loans and leases to total assets | 57.9640% | 3,992 |
| Net loans and leases to deposits | 65.9229% | 4,271 |
| Net loans and leases to core deposits | 69.9994% | 4,277 |
| Total domestic deposits to total assets | 87.9270% | 2,296 |
| Equity capital to assets | 11.9487% | 1,948 |
| Core capital (leverage) ratio | 11.9827% | 1,625 |
| Tier 1 risk-based capital ratio | 33.6001% | 386 |
| Total risk-based capital ratio | 34.5990% | 387 |
| Memoranda: | ||
| Average total assets | $560,801,000 | 1,196 |
| Average earning assets | $546,122,670 | 1,118 |
| Average equity | $66,373,000 | 1,093 |
| Average total loans | $320,720,330 | 1,324 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3405% | 6,065 |
| Cost of funding earning assets | 0.5995% | 3,111 |
| Net interest margin | 2.7410% | 6,147 |
| Noninterest income to average assets | 0.1987% | 6,051 |
| Noninterest expense to average assets | 1.7076% | 6,549 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7019% | 3,679 |
| Return on assets (ROA) | 0.7019% | 3,821 |
| Pretax return on assets | 1.1579% | 2,734 |
| Return on Equity (ROE) | 5.9592% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.9592% | 2,697 |
| Net charge-offs to loans | 0.0442% | 3,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 46.2857% | 708 |
| Efficiency ratio | 59.5909% | 5,647 |
| Assets per employee ($millions) | 5.3036% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6125% | 6,691 |
| Loan loss allowance to noncurrent loans | 554.1899% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 6,289 |
| Noncurrent loans to loans | 0.1105% | 6,150 |
| Net loans and leases to total assets | 57.2616% | 3,875 |
| Net loans and leases to deposits | 65.1235% | 4,169 |
| Net loans and leases to core deposits | 69.0925% | 4,175 |
| Total domestic deposits to total assets | 87.9276% | 2,364 |
| Equity capital to assets | 11.8121% | 2,165 |
| Core capital (leverage) ratio | 11.9221% | 1,613 |
| Tier 1 risk-based capital ratio | 33.1957% | 408 |
| Total risk-based capital ratio | 34.1878% | 403 |
| Memoranda: | ||
| Average total assets | $559,623,500 | 1,207 |
| Average earning assets | $544,471,500 | 1,138 |
| Average equity | $65,914,500 | 1,117 |
| Average total loans | $316,866,500 | 1,340 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6840% | 6,081 |
| Cost of funding earning assets | 0.7203% | 3,324 |
| Net interest margin | 2.9637% | 6,111 |
| Noninterest income to average assets | 0.2218% | 5,851 |
| Noninterest expense to average assets | 1.7439% | 6,682 |
| Loan and lease loss provision to assets | 0.0735% | 4,804 |
| Net operating income to assets | 0.7801% | 3,369 |
| Return on assets (ROA) | 0.7801% | 3,619 |
| Pretax return on assets | 1.2860% | 2,464 |
| Return on Equity (ROE) | 6.8471% | 3,732 |
| Retained earnings to average equity (ytd only) | 6.8471% | 1,644 |
| Net charge-offs to loans | 0.1049% | 4,619 |
| Credit loss provision to net charge-offs | 125.9259% | 2,245 |
| Earnings coverage of net charge-offs (x) | 23.3056% | 1,225 |
| Efficiency ratio | 56.1931% | 6,038 |
| Assets per employee ($millions) | 5.3564% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6516% | 6,698 |
| Loan loss allowance to noncurrent loans | 420.6250% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 6,264 |
| Noncurrent loans to loans | 0.1549% | 6,094 |
| Net loans and leases to total assets | 55.2567% | 4,413 |
| Net loans and leases to deposits | 62.7402% | 4,691 |
| Net loans and leases to core deposits | 66.7115% | 4,669 |
| Total domestic deposits to total assets | 88.0722% | 2,196 |
| Equity capital to assets | 11.7443% | 2,232 |
| Core capital (leverage) ratio | 11.7861% | 1,676 |
| Tier 1 risk-based capital ratio | 33.6957% | 372 |
| Total risk-based capital ratio | 34.7359% | 376 |
| Memoranda: | ||
| Average total assets | $555,432,400 | 1,206 |
| Average earning assets | $540,031,600 | 1,120 |
| Average equity | $63,282,200 | 1,123 |
| Average total loans | $308,831,800 | 1,361 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7521% | 6,124 |
| Cost of funding earning assets | 0.7385% | 3,447 |
| Net interest margin | 3.0136% | 6,146 |
| Noninterest income to average assets | 0.2258% | 5,939 |
| Noninterest expense to average assets | 1.7433% | 6,746 |
| Loan and lease loss provision to assets | 0.0956% | 4,381 |
| Net operating income to assets | 0.7985% | 3,466 |
| Return on assets (ROA) | 0.7985% | 3,700 |
| Pretax return on assets | 1.3169% | 2,533 |
| Return on Equity (ROE) | 7.0631% | 3,772 |
| Retained earnings to average equity (ytd only) | 7.0631% | 2,090 |
| Net charge-offs to loans | 0.1249% | 4,127 |
| Credit loss provision to net charge-offs | 137.7163% | 2,091 |
| Earnings coverage of net charge-offs (x) | 20.3462% | 1,450 |
| Efficiency ratio | 55.2409% | 6,134 |
| Assets per employee ($millions) | 5.3158% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6544% | 6,803 |
| Loan loss allowance to noncurrent loans | 338.4106% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 6,354 |
| Noncurrent loans to loans | 0.1934% | 6,125 |
| Net loans and leases to total assets | 56.1330% | 4,431 |
| Net loans and leases to deposits | 63.6810% | 4,757 |
| Net loans and leases to core deposits | 67.8686% | 4,737 |
| Total domestic deposits to total assets | 88.1472% | 1,955 |
| Equity capital to assets | 11.6514% | 2,592 |
| Core capital (leverage) ratio | 11.6175% | 1,897 |
| Tier 1 risk-based capital ratio | 33.0930% | 404 |
| Total risk-based capital ratio | 34.1435% | 407 |
| Memoranda: | ||
| Average total assets | $555,025,000 | 1,218 |
| Average earning assets | $539,636,500 | 1,136 |
| Average equity | $62,747,000 | 1,141 |
| Average total loans | $308,581,500 | 1,367 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8054% | 6,130 |
| Cost of funding earning assets | 0.7595% | 3,523 |
| Net interest margin | 3.0460% | 6,131 |
| Noninterest income to average assets | 0.2271% | 5,944 |
| Noninterest expense to average assets | 1.7904% | 6,762 |
| Loan and lease loss provision to assets | 0.1072% | 4,185 |
| Net operating income to assets | 0.7856% | 3,446 |
| Return on assets (ROA) | 0.7856% | 3,703 |
| Pretax return on assets | 1.2912% | 2,592 |
| Return on Equity (ROE) | 7.0203% | 3,764 |
| Retained earnings to average equity (ytd only) | 7.0203% | 2,089 |
| Net charge-offs to loans | 0.1510% | 3,705 |
| Credit loss provision to net charge-offs | 128.4483% | 2,145 |
| Earnings coverage of net charge-offs (x) | 16.7500% | 1,571 |
| Efficiency ratio | 56.1449% | 6,096 |
| Assets per employee ($millions) | 5.3752% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6345% | 6,897 |
| Loan loss allowance to noncurrent loans | 293.8326% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 6,486 |
| Noncurrent loans to loans | 0.2159% | 6,150 |
| Net loans and leases to total assets | 56.0559% | 4,460 |
| Net loans and leases to deposits | 63.3320% | 4,848 |
| Net loans and leases to core deposits | 67.4588% | 4,850 |
| Total domestic deposits to total assets | 88.5111% | 1,804 |
| Equity capital to assets | 11.3188% | 2,764 |
| Core capital (leverage) ratio | 11.3097% | 2,035 |
| Tier 1 risk-based capital ratio | 32.0409% | 436 |
| Total risk-based capital ratio | 33.0546% | 445 |
| Memoranda: | ||
| Average total assets | $555,752,670 | 1,216 |
| Average earning assets | $540,389,000 | 1,137 |
| Average equity | $62,191,330 | 1,144 |
| Average total loans | $307,318,330 | 1,373 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8483% | 6,146 |
| Cost of funding earning assets | 0.7812% | 3,620 |
| Net interest margin | 3.0670% | 6,135 |
| Noninterest income to average assets | 0.2231% | 6,019 |
| Noninterest expense to average assets | 1.7036% | 6,893 |
| Loan and lease loss provision to assets | 0.1732% | 3,234 |
| Net operating income to assets | 0.8085% | 3,336 |
| Return on assets (ROA) | 0.8085% | 3,575 |
| Pretax return on assets | 1.3275% | 2,434 |
| Return on Equity (ROE) | 7.2668% | 3,622 |
| Retained earnings to average equity (ytd only) | 7.2668% | 2,294 |
| Net charge-offs to loans | 0.3060% | 2,439 |
| Credit loss provision to net charge-offs | 103.4483% | 2,234 |
| Earnings coverage of net charge-offs (x) | 8.9612% | 1,895 |
| Efficiency ratio | 53.1651% | 6,421 |
| Assets per employee ($millions) | 5.3192% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6289% | 6,954 |
| Loan loss allowance to noncurrent loans | 378.0156% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 6,654 |
| Noncurrent loans to loans | 0.1664% | 6,347 |
| Net loans and leases to total assets | 54.9688% | 4,559 |
| Net loans and leases to deposits | 62.0115% | 4,917 |
| Net loans and leases to core deposits | 65.9510% | 4,916 |
| Total domestic deposits to total assets | 88.6429% | 1,927 |
| Equity capital to assets | 11.1385% | 2,768 |
| Core capital (leverage) ratio | 11.2470% | 2,078 |
| Tier 1 risk-based capital ratio | 31.6966% | 447 |
| Total risk-based capital ratio | 32.6869% | 454 |
| Memoranda: | ||
| Average total assets | $554,119,500 | 1,226 |
| Average earning assets | $538,628,500 | 1,134 |
| Average equity | $61,650,000 | 1,150 |
| Average total loans | $303,295,500 | 1,397 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 6,326 |
| Cost of funding earning assets | 0.9117% | 4,037 |
| Net interest margin | 3.1539% | 6,207 |
| Noninterest income to average assets | 0.2347% | 5,858 |
| Noninterest expense to average assets | 1.7775% | 6,982 |
| Loan and lease loss provision to assets | 0.1798% | 4,401 |
| Net operating income to assets | 0.7796% | 3,138 |
| Return on assets (ROA) | 0.7796% | 3,300 |
| Pretax return on assets | 1.3202% | 2,053 |
| Return on Equity (ROE) | 7.1694% | 3,323 |
| Retained earnings to average equity (ytd only) | 7.1694% | 1,418 |
| Net charge-offs to loans | 0.1259% | 5,135 |
| Credit loss provision to net charge-offs | 259.3085% | 930 |
| Earnings coverage of net charge-offs (x) | 21.6356% | 1,084 |
| Efficiency ratio | 54.2335% | 6,489 |
| Assets per employee ($millions) | 5.2355% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6501% | 6,960 |
| Loan loss allowance to noncurrent loans | 270.6294% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 6,568 |
| Noncurrent loans to loans | 0.2402% | 6,253 |
| Net loans and leases to total assets | 53.7914% | 5,069 |
| Net loans and leases to deposits | 60.6521% | 5,418 |
| Net loans and leases to core deposits | 64.8270% | 5,383 |
| Total domestic deposits to total assets | 88.6883% | 1,728 |
| Equity capital to assets | 11.1128% | 2,877 |
| Core capital (leverage) ratio | 11.1406% | 2,161 |
| Tier 1 risk-based capital ratio | 31.8544% | 432 |
| Total risk-based capital ratio | 32.8637% | 431 |
| Memoranda: | ||
| Average total assets | $542,325,800 | 1,220 |
| Average earning assets | $523,221,400 | 1,136 |
| Average equity | $58,972,600 | 1,150 |
| Average total loans | $298,572,000 | 1,426 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 6,409 |
| Cost of funding earning assets | 0.9298% | 4,197 |
| Net interest margin | 3.1738% | 6,222 |
| Noninterest income to average assets | 0.2339% | 5,948 |
| Noninterest expense to average assets | 1.7890% | 7,008 |
| Loan and lease loss provision to assets | 0.1603% | 4,460 |
| Net operating income to assets | 0.7864% | 3,229 |
| Return on assets (ROA) | 0.7864% | 3,393 |
| Pretax return on assets | 1.3413% | 2,146 |
| Return on Equity (ROE) | 7.2730% | 3,391 |
| Retained earnings to average equity (ytd only) | 7.2730% | 1,822 |
| Net charge-offs to loans | 0.0799% | 5,175 |
| Credit loss provision to net charge-offs | 363.1285% | 780 |
| Earnings coverage of net charge-offs (x) | 34.0057% | 859 |
| Efficiency ratio | 54.3669% | 6,448 |
| Assets per employee ($millions) | 5.1469% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5949% | 7,089 |
| Loan loss allowance to noncurrent loans | 182.7098% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 6,606 |
| Noncurrent loans to loans | 0.3256% | 6,202 |
| Net loans and leases to total assets | 54.8222% | 5,024 |
| Net loans and leases to deposits | 61.9805% | 5,404 |
| Net loans and leases to core deposits | 66.1732% | 5,394 |
| Total domestic deposits to total assets | 88.4508% | 1,785 |
| Equity capital to assets | 10.9050% | 3,235 |
| Core capital (leverage) ratio | 10.9700% | 2,416 |
| Tier 1 risk-based capital ratio | 30.8701% | 500 |
| Total risk-based capital ratio | 31.7994% | 500 |
| Memoranda: | ||
| Average total assets | $540,476,250 | 1,227 |
| Average earning assets | $520,542,500 | 1,158 |
| Average equity | $58,443,250 | 1,160 |
| Average total loans | $298,805,250 | 1,434 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1408% | 6,403 |
| Cost of funding earning assets | 0.9536% | 4,285 |
| Net interest margin | 3.1872% | 6,203 |
| Noninterest income to average assets | 0.2249% | 6,061 |
| Noninterest expense to average assets | 1.8046% | 7,078 |
| Loan and lease loss provision to assets | 0.1545% | 4,383 |
| Net operating income to assets | 0.7757% | 3,172 |
| Return on assets (ROA) | 0.7757% | 3,307 |
| Pretax return on assets | 1.3339% | 2,021 |
| Return on Equity (ROE) | 7.1945% | 3,354 |
| Retained earnings to average equity (ytd only) | 7.1945% | 1,790 |
| Net charge-offs to loans | 0.1030% | 4,657 |
| Credit loss provision to net charge-offs | 271.2418% | 1,119 |
| Earnings coverage of net charge-offs (x) | 26.1242% | 1,027 |
| Efficiency ratio | 54.8004% | 6,532 |
| Assets per employee ($millions) | 4.9848% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5269% | 7,207 |
| Loan loss allowance to noncurrent loans | 181.3848% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 6,681 |
| Noncurrent loans to loans | 0.2905% | 6,338 |
| Net loans and leases to total assets | 56.0374% | 4,988 |
| Net loans and leases to deposits | 63.0542% | 5,386 |
| Net loans and leases to core deposits | 67.2766% | 5,361 |
| Total domestic deposits to total assets | 88.8718% | 1,617 |
| Equity capital to assets | 10.9495% | 3,011 |
| Core capital (leverage) ratio | 10.8980% | 2,341 |
| Tier 1 risk-based capital ratio | 30.1442% | 522 |
| Total risk-based capital ratio | 30.9617% | 534 |
| Memoranda: | ||
| Average total assets | $537,061,670 | 1,243 |
| Average earning assets | $516,997,670 | 1,178 |
| Average equity | $57,905,670 | 1,156 |
| Average total loans | $297,165,670 | 1,463 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1276% | 6,446 |
| Cost of funding earning assets | 0.9899% | 4,272 |
| Net interest margin | 3.1377% | 6,246 |
| Noninterest income to average assets | 0.2237% | 6,128 |
| Noninterest expense to average assets | 1.7643% | 7,171 |
| Loan and lease loss provision to assets | 0.1529% | 4,110 |
| Net operating income to assets | 0.7733% | 3,152 |
| Return on assets (ROA) | 0.7733% | 3,224 |
| Pretax return on assets | 1.3273% | 1,954 |
| Return on Equity (ROE) | 7.2284% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.2284% | 2,056 |
| Net charge-offs to loans | 0.1197% | 3,818 |
| Credit loss provision to net charge-offs | 232.9545% | 1,319 |
| Earnings coverage of net charge-offs (x) | 22.5568% | 1,050 |
| Efficiency ratio | 54.3783% | 6,660 |
| Assets per employee ($millions) | 5.0514% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4892% | 7,290 |
| Loan loss allowance to noncurrent loans | 145.1548% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 6,674 |
| Noncurrent loans to loans | 0.3370% | 6,317 |
| Net loans and leases to total assets | 54.6808% | 5,215 |
| Net loans and leases to deposits | 61.6980% | 5,542 |
| Net loans and leases to core deposits | 65.8989% | 5,522 |
| Total domestic deposits to total assets | 88.6265% | 2,002 |
| Equity capital to assets | 10.7131% | 2,974 |
| Core capital (leverage) ratio | 10.7465% | 2,401 |
| Tier 1 risk-based capital ratio | 29.8065% | 530 |
| Total risk-based capital ratio | 30.5548% | 544 |
| Memoranda: | ||
| Average total assets | $536,416,000 | 1,255 |
| Average earning assets | $516,429,000 | 1,188 |
| Average equity | $57,385,000 | 1,154 |
| Average total loans | $294,110,000 | 1,495 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3141% | 6,767 |
| Cost of funding earning assets | 1.3807% | 3,388 |
| Net interest margin | 2.9334% | 6,848 |
| Noninterest income to average assets | 0.2606% | 5,931 |
| Noninterest expense to average assets | 1.7366% | 7,319 |
| Loan and lease loss provision to assets | 0.1237% | 5,925 |
| Net operating income to assets | 0.7362% | 3,066 |
| Return on assets (ROA) | 0.7362% | 3,192 |
| Pretax return on assets | 1.2223% | 2,156 |
| Return on Equity (ROE) | 7.2099% | 3,018 |
| Retained earnings to average equity (ytd only) | 7.2099% | 1,233 |
| Net charge-offs to loans | 0.1363% | 5,554 |
| Credit loss provision to net charge-offs | 167.6768% | 2,027 |
| Earnings coverage of net charge-offs (x) | 18.2449% | 1,113 |
| Efficiency ratio | 56.3365% | 6,556 |
| Assets per employee ($millions) | 5.0220% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4588% | 7,388 |
| Loan loss allowance to noncurrent loans | 167.8392% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 6,859 |
| Noncurrent loans to loans | 0.2733% | 6,516 |
| Net loans and leases to total assets | 54.4550% | 5,579 |
| Net loans and leases to deposits | 61.1380% | 5,941 |
| Net loans and leases to core deposits | 65.0035% | 5,981 |
| Total domestic deposits to total assets | 89.0690% | 1,610 |
| Equity capital to assets | 10.6823% | 2,974 |
| Core capital (leverage) ratio | 10.5958% | 2,465 |
| Tier 1 risk-based capital ratio | 29.5824% | 524 |
| Total risk-based capital ratio | 30.2777% | 532 |
| Memoranda: | ||
| Average total assets | $536,791,800 | 1,249 |
| Average earning assets | $516,400,000 | 1,192 |
| Average equity | $54,813,400 | 1,219 |
| Average total loans | $290,449,400 | 1,539 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3664% | 6,867 |
| Cost of funding earning assets | 1.4673% | 3,163 |
| Net interest margin | 2.8991% | 7,005 |
| Noninterest income to average assets | 0.2600% | 6,042 |
| Noninterest expense to average assets | 1.7693% | 7,363 |
| Loan and lease loss provision to assets | 0.1177% | 5,851 |
| Net operating income to assets | 0.7034% | 3,400 |
| Return on assets (ROA) | 0.7034% | 3,554 |
| Pretax return on assets | 1.1615% | 2,631 |
| Return on Equity (ROE) | 6.9685% | 3,357 |
| Retained earnings to average equity (ytd only) | 6.9685% | 1,866 |
| Net charge-offs to loans | 0.1819% | 4,868 |
| Credit loss provision to net charge-offs | 119.9495% | 3,440 |
| Earnings coverage of net charge-offs (x) | 13.0327% | 1,630 |
| Efficiency ratio | 58.0372% | 6,270 |
| Assets per employee ($millions) | 4.8862% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3942% | 7,539 |
| Loan loss allowance to noncurrent loans | 165.0360% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 7,031 |
| Noncurrent loans to loans | 0.2388% | 6,698 |
| Net loans and leases to total assets | 53.9248% | 5,860 |
| Net loans and leases to deposits | 60.3783% | 6,279 |
| Net loans and leases to core deposits | 64.0609% | 6,297 |
| Total domestic deposits to total assets | 89.3115% | 1,226 |
| Equity capital to assets | 10.3728% | 3,671 |
| Core capital (leverage) ratio | 10.2585% | 2,973 |
| Tier 1 risk-based capital ratio | 28.9258% | 569 |
| Total risk-based capital ratio | 29.5212% | 596 |
| Memoranda: | ||
| Average total assets | $537,907,750 | 1,261 |
| Average earning assets | $517,387,250 | 1,197 |
| Average equity | $54,300,500 | 1,230 |
| Average total loans | $290,258,000 | 1,559 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 6,881 |
| Cost of funding earning assets | 1.5680% | 2,852 |
| Net interest margin | 2.8422% | 7,089 |
| Noninterest income to average assets | 0.2632% | 6,031 |
| Noninterest expense to average assets | 1.7593% | 7,440 |
| Loan and lease loss provision to assets | 0.1171% | 5,724 |
| Net operating income to assets | 0.6810% | 3,478 |
| Return on assets (ROA) | 0.6810% | 3,628 |
| Pretax return on assets | 1.1203% | 2,711 |
| Return on Equity (ROE) | 6.8083% | 3,391 |
| Retained earnings to average equity (ytd only) | 6.8083% | 1,920 |
| Net charge-offs to loans | 0.1793% | 4,533 |
| Credit loss provision to net charge-offs | 121.1538% | 3,341 |
| Earnings coverage of net charge-offs (x) | 12.8038% | 1,647 |
| Efficiency ratio | 58.7075% | 6,275 |
| Assets per employee ($millions) | 4.9219% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3799% | 7,608 |
| Loan loss allowance to noncurrent loans | 151.9621% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 6,933 |
| Noncurrent loans to loans | 0.2500% | 6,731 |
| Net loans and leases to total assets | 54.3856% | 5,936 |
| Net loans and leases to deposits | 60.6723% | 6,344 |
| Net loans and leases to core deposits | 65.0120% | 6,311 |
| Total domestic deposits to total assets | 89.6383% | 1,105 |
| Equity capital to assets | 10.1131% | 3,874 |
| Core capital (leverage) ratio | 10.0274% | 3,134 |
| Tier 1 risk-based capital ratio | 27.1652% | 685 |
| Total risk-based capital ratio | 27.7227% | 726 |
| Memoranda: | ||
| Average total assets | $538,049,670 | 1,266 |
| Average earning assets | $517,485,330 | 1,195 |
| Average equity | $53,816,670 | 1,234 |
| Average total loans | $290,016,330 | 1,581 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 6,819 |
| Cost of funding earning assets | 1.6567% | 2,615 |
| Net interest margin | 2.8269% | 7,144 |
| Noninterest income to average assets | 0.2297% | 6,311 |
| Noninterest expense to average assets | 1.7272% | 7,552 |
| Loan and lease loss provision to assets | 0.1380% | 5,179 |
| Net operating income to assets | 0.6533% | 3,646 |
| Return on assets (ROA) | 0.6533% | 3,765 |
| Pretax return on assets | 1.0813% | 2,798 |
| Return on Equity (ROE) | 6.5681% | 3,588 |
| Retained earnings to average equity (ytd only) | 6.5681% | 2,337 |
| Net charge-offs to loans | 0.2451% | 3,478 |
| Credit loss provision to net charge-offs | 105.1136% | 3,259 |
| Earnings coverage of net charge-offs (x) | 9.2898% | 1,874 |
| Efficiency ratio | 58.6181% | 6,389 |
| Assets per employee ($millions) | 4.8646% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3758% | 7,705 |
| Loan loss allowance to noncurrent loans | 144.3700% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 6,798 |
| Noncurrent loans to loans | 0.2603% | 6,807 |
| Net loans and leases to total assets | 52.8816% | 6,163 |
| Net loans and leases to deposits | 58.8536% | 6,565 |
| Net loans and leases to core deposits | 63.1774% | 6,512 |
| Total domestic deposits to total assets | 89.8527% | 1,067 |
| Equity capital to assets | 9.9623% | 3,914 |
| Core capital (leverage) ratio | 10.0022% | 3,158 |
| Tier 1 risk-based capital ratio | 27.3044% | 688 |
| Total risk-based capital ratio | 27.8513% | 715 |
| Memoranda: | ||
| Average total assets | $536,371,500 | 1,302 |
| Average earning assets | $515,485,000 | 1,230 |
| Average equity | $53,348,500 | 1,251 |
| Average total loans | $287,239,500 | 1,643 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8230% | 6,899 |
| Cost of funding earning assets | 2.1013% | 2,453 |
| Net interest margin | 2.7217% | 7,181 |
| Noninterest income to average assets | 0.2586% | 6,262 |
| Noninterest expense to average assets | 1.8598% | 7,556 |
| Loan and lease loss provision to assets | 0.1124% | 6,518 |
| Net operating income to assets | 0.5472% | 3,540 |
| Return on assets (ROA) | 0.5595% | 3,570 |
| Pretax return on assets | 0.9261% | 2,842 |
| Return on Equity (ROE) | 5.6802% | 3,342 |
| Retained earnings to average equity (ytd only) | 5.6802% | 1,481 |
| Net charge-offs to loans | 0.0258% | 6,885 |
| Credit loss provision to net charge-offs | 826.7606% | 352 |
| Earnings coverage of net charge-offs (x) | 74.9577% | 363 |
| Efficiency ratio | 63.4513% | 5,883 |
| Assets per employee ($millions) | 4.8434% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3710% | 7,779 |
| Loan loss allowance to noncurrent loans | 84.8967% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 6,722 |
| Noncurrent loans to loans | 0.4370% | 6,395 |
| Net loans and leases to total assets | 53.8296% | 6,217 |
| Net loans and leases to deposits | 59.8574% | 6,642 |
| Net loans and leases to core deposits | 77.1915% | 6,324 |
| Total domestic deposits to total assets | 89.9297% | 1,000 |
| Equity capital to assets | 9.9299% | 3,862 |
| Core capital (leverage) ratio | 9.9207% | 3,170 |
| Tier 1 risk-based capital ratio | 26.6472% | 718 |
| Total risk-based capital ratio | 27.1854% | 751 |
| Memoranda: | ||
| Average total assets | $522,105,400 | 1,317 |
| Average earning assets | $502,697,200 | 1,257 |
| Average equity | $51,424,600 | 1,300 |
| Average total loans | $275,313,000 | 1,747 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8717% | 6,954 |
| Cost of funding earning assets | 2.1773% | 2,516 |
| Net interest margin | 2.6944% | 7,215 |
| Noninterest income to average assets | 0.2634% | 6,346 |
| Noninterest expense to average assets | 1.8709% | 7,579 |
| Loan and lease loss provision to assets | 0.0801% | 6,567 |
| Net operating income to assets | 0.5470% | 3,803 |
| Return on assets (ROA) | 0.5634% | 3,824 |
| Pretax return on assets | 0.9338% | 3,118 |
| Return on Equity (ROE) | 5.7323% | 3,637 |
| Retained earnings to average equity (ytd only) | 5.7323% | 2,086 |
| Net charge-offs to loans | 0.0274% | 6,495 |
| Credit loss provision to net charge-offs | 557.1429% | 697 |
| Earnings coverage of net charge-offs (x) | 68.7545% | 486 |
| Efficiency ratio | 63.8926% | 5,778 |
| Assets per employee ($millions) | 4.9252% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2744% | 7,922 |
| Loan loss allowance to noncurrent loans | 48.9480% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3250% | 6,668 |
| Noncurrent loans to loans | 0.5606% | 6,192 |
| Net loans and leases to total assets | 54.0477% | 6,374 |
| Net loans and leases to deposits | 60.1230% | 6,823 |
| Net loans and leases to core deposits | 77.0061% | 6,558 |
| Total domestic deposits to total assets | 89.8952% | 810 |
| Equity capital to assets | 9.8100% | 4,337 |
| Core capital (leverage) ratio | 9.8234% | 3,492 |
| Tier 1 risk-based capital ratio | 26.4900% | 788 |
| Total risk-based capital ratio | 26.8917% | 828 |
| Memoranda: | ||
| Average total assets | $519,437,750 | 1,342 |
| Average earning assets | $500,433,000 | 1,271 |
| Average equity | $51,054,750 | 1,327 |
| Average total loans | $272,176,500 | 1,781 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9456% | 6,933 |
| Cost of funding earning assets | 2.2600% | 2,529 |
| Net interest margin | 2.6857% | 7,232 |
| Noninterest income to average assets | 0.2682% | 6,352 |
| Noninterest expense to average assets | 1.9236% | 7,595 |
| Loan and lease loss provision to assets | 0.0737% | 6,454 |
| Net operating income to assets | 0.5034% | 4,079 |
| Return on assets (ROA) | 0.5283% | 4,103 |
| Pretax return on assets | 0.8954% | 3,356 |
| Return on Equity (ROE) | 5.3711% | 3,922 |
| Retained earnings to average equity (ytd only) | 5.3711% | 2,306 |
| Net charge-offs to loans | 0.0420% | 5,876 |
| Credit loss provision to net charge-offs | 339.2857% | 1,370 |
| Earnings coverage of net charge-offs (x) | 42.8036% | 774 |
| Efficiency ratio | 65.0619% | 5,709 |
| Assets per employee ($millions) | 4.6880% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2379% | 8,042 |
| Loan loss allowance to noncurrent loans | 39.9403% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 6,605 |
| Noncurrent loans to loans | 0.5957% | 6,066 |
| Net loans and leases to total assets | 53.4287% | 6,521 |
| Net loans and leases to deposits | 59.3970% | 6,939 |
| Net loans and leases to core deposits | 75.1127% | 6,725 |
| Total domestic deposits to total assets | 89.9518% | 856 |
| Equity capital to assets | 9.7787% | 4,243 |
| Core capital (leverage) ratio | 9.7941% | 3,526 |
| Tier 1 risk-based capital ratio | 26.4524% | 820 |
| Total risk-based capital ratio | 26.7972% | 877 |
| Memoranda: | ||
| Average total assets | $515,275,330 | 1,373 |
| Average earning assets | $496,116,670 | 1,307 |
| Average equity | $50,679,000 | 1,352 |
| Average total loans | $266,807,330 | 1,850 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0515% | 6,790 |
| Cost of funding earning assets | 2.3637% | 2,449 |
| Net interest margin | 2.6878% | 7,229 |
| Noninterest income to average assets | 0.2312% | 6,618 |
| Noninterest expense to average assets | 1.9836% | 7,393 |
| Loan and lease loss provision to assets | 0.0431% | 6,433 |
| Net operating income to assets | 0.4647% | 4,593 |
| Return on assets (ROA) | 0.4647% | 4,774 |
| Pretax return on assets | 0.7908% | 4,109 |
| Return on Equity (ROE) | 4.7114% | 4,602 |
| Retained earnings to average equity (ytd only) | 4.7114% | 3,295 |
| Net charge-offs to loans | 0.0616% | 4,593 |
| Credit loss provision to net charge-offs | 137.5000% | 2,950 |
| Earnings coverage of net charge-offs (x) | 26.6000% | 1,175 |
| Efficiency ratio | 67.9277% | 4,975 |
| Assets per employee ($millions) | 4.7058% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2103% | 8,101 |
| Loan loss allowance to noncurrent loans | 39.1459% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 6,693 |
| Noncurrent loans to loans | 0.5371% | 6,072 |
| Net loans and leases to total assets | 50.4267% | 6,820 |
| Net loans and leases to deposits | 56.0184% | 7,157 |
| Net loans and leases to core deposits | 70.4897% | 6,994 |
| Total domestic deposits to total assets | 90.0181% | 796 |
| Equity capital to assets | 9.7774% | 4,265 |
| Core capital (leverage) ratio | 9.8742% | 3,553 |
| Tier 1 risk-based capital ratio | 26.5824% | 843 |
| Total risk-based capital ratio | 26.8720% | 898 |
| Memoranda: | ||
| Average total assets | $510,384,500 | 1,393 |
| Average earning assets | $491,102,000 | 1,322 |
| Average equity | $50,346,500 | 1,364 |
| Average total loans | $259,611,000 | 1,907 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3663% | 7,510 |
| Cost of funding earning assets | 2.8896% | 2,307 |
| Net interest margin | 2.4767% | 7,781 |
| Noninterest income to average assets | 0.2628% | 6,575 |
| Noninterest expense to average assets | 1.8059% | 7,747 |
| Loan and lease loss provision to assets | 0.0286% | 7,044 |
| Net operating income to assets | 0.4838% | 4,812 |
| Return on assets (ROA) | 0.4838% | 4,632 |
| Pretax return on assets | 0.8065% | 4,042 |
| Return on Equity (ROE) | 4.8596% | 4,446 |
| Retained earnings to average equity (ytd only) | 4.8596% | 2,105 |
| Net charge-offs to loans | 0.0020% | 6,998 |
| Credit loss provision to net charge-offs | 2,800.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 817.2000% | 62 |
| Efficiency ratio | 65.6323% | 5,204 |
| Assets per employee ($millions) | 4.5739% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2076% | 8,155 |
| Loan loss allowance to noncurrent loans | 28.4878% | 6,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 6,064 |
| Noncurrent loans to loans | 0.7289% | 5,206 |
| Net loans and leases to total assets | 51.1019% | 6,928 |
| Net loans and leases to deposits | 56.8612% | 7,270 |
| Net loans and leases to core deposits | 71.0457% | 7,133 |
| Total domestic deposits to total assets | 89.8713% | 705 |
| Equity capital to assets | 9.9540% | 4,093 |
| Core capital (leverage) ratio | 10.0302% | 3,418 |
| Tier 1 risk-based capital ratio | 26.5687% | 859 |
| Total risk-based capital ratio | 26.8542% | 909 |
| Memoranda: | ||
| Average total assets | $489,296,800 | 1,394 |
| Average earning assets | $469,822,800 | 1,317 |
| Average equity | $48,708,000 | 1,407 |
| Average total loans | $245,297,400 | 1,941 |