Home > First Secure State Bank > Performance and Condition Ratios
First Secure State Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0065% | 3,095 |
| Cost of funding earning assets | 1.6293% | 3,110 |
| Net interest margin | 3.3772% | 2,333 |
| Noninterest income to average assets | 0.3600% | 2,692 |
| Noninterest expense to average assets | 2.6207% | 1,961 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 0.5152% | 3,436 |
| Return on assets (ROA) | 0.5152% | 3,453 |
| Pretax return on assets | 0.7198% | 3,214 |
| Return on Equity (ROE) | 4.5000% | 3,605 |
| Retained earnings to average equity (ytd only) | 4.4969% | 2,442 |
| Net charge-offs to loans | -0.0123% | 4,070 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 75.9992% | 1,373 |
| Assets per employee ($millions) | 7.5428% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 3,152 |
| Loan loss allowance to noncurrent loans | 31.8739% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.8867% | 231 |
| Noncurrent loans to loans | 3.1777% | 165 |
| Net loans and leases to total assets | 58.7700% | 3,042 |
| Net loans and leases to deposits | 69.5737% | 2,984 |
| Net loans and leases to core deposits | 74.1850% | 3,144 |
| Total domestic deposits to total assets | 84.4700% | 2,668 |
| Equity capital to assets | 11.5406% | 1,342 |
| Core capital (leverage) ratio | 12.2062% | 1,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7406% | 795 |
| Memoranda: | ||
| Average total assets | $286,865,600 | 2,522 |
| Average earning assets | $262,078,400 | 2,534 |
| Average equity | $32,867,200 | 2,264 |
| Average total loans | $170,222,400 | 2,573 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 2,824 |
| Cost of funding earning assets | 1.6318% | 3,104 |
| Net interest margin | 3.4849% | 2,063 |
| Noninterest income to average assets | 0.3500% | 2,719 |
| Noninterest expense to average assets | 2.7490% | 1,563 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 0.4799% | 3,510 |
| Return on assets (ROA) | 0.4799% | 3,545 |
| Pretax return on assets | 0.6703% | 3,338 |
| Return on Equity (ROE) | 4.2000% | 3,694 |
| Retained earnings to average equity (ytd only) | 4.1966% | 2,767 |
| Net charge-offs to loans | -0.0079% | 3,955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 77.9164% | 1,229 |
| Assets per employee ($millions) | 6.9174% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 3,508 |
| Loan loss allowance to noncurrent loans | 58.3767% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.9923% | 669 |
| Noncurrent loans to loans | 1.6184% | 560 |
| Net loans and leases to total assets | 60.7300% | 2,864 |
| Net loans and leases to deposits | 71.3165% | 2,875 |
| Net loans and leases to core deposits | 76.5104% | 3,040 |
| Total domestic deposits to total assets | 85.1600% | 2,240 |
| Equity capital to assets | 11.7488% | 1,379 |
| Core capital (leverage) ratio | 11.8731% | 1,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3875% | 876 |
| Memoranda: | ||
| Average total assets | $285,039,250 | 2,525 |
| Average earning assets | $259,745,750 | 2,540 |
| Average equity | $32,596,750 | 2,268 |
| Average total loans | $169,115,000 | 2,580 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1302% | 2,693 |
| Cost of funding earning assets | 1.5671% | 3,143 |
| Net interest margin | 3.5631% | 1,846 |
| Noninterest income to average assets | 0.3400% | 2,750 |
| Noninterest expense to average assets | 2.8078% | 1,444 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 0.4760% | 3,493 |
| Return on assets (ROA) | 0.4760% | 3,528 |
| Pretax return on assets | 0.6659% | 3,303 |
| Return on Equity (ROE) | 4.2000% | 3,693 |
| Retained earnings to average equity (ytd only) | 4.2014% | 2,646 |
| Net charge-offs to loans | -0.0132% | 4,044 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 78.3587% | 1,256 |
| Assets per employee ($millions) | 7.9472% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 3,657 |
| Loan loss allowance to noncurrent loans | 104.6845% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 1,266 |
| Noncurrent loans to loans | 0.8722% | 1,082 |
| Net loans and leases to total assets | 61.0300% | 2,859 |
| Net loans and leases to deposits | 71.3088% | 2,887 |
| Net loans and leases to core deposits | 76.9506% | 2,986 |
| Total domestic deposits to total assets | 85.5900% | 2,117 |
| Equity capital to assets | 11.3628% | 1,405 |
| Core capital (leverage) ratio | 12.0644% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3124% | 870 |
| Memoranda: | ||
| Average total assets | $283,208,667 | 2,533 |
| Average earning assets | $257,415,333 | 2,551 |
| Average equity | $32,084,333 | 2,265 |
| Average total loans | $166,108,333 | 2,600 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9490% | 2,895 |
| Cost of funding earning assets | 1.5124% | 3,163 |
| Net interest margin | 3.4366% | 2,014 |
| Noninterest income to average assets | 0.3700% | 2,484 |
| Noninterest expense to average assets | 2.9088% | 1,211 |
| Loan and lease loss provision to assets | 0.1100% | 944 |
| Net operating income to assets | 0.3265% | 3,768 |
| Return on assets (ROA) | 0.3265% | 3,789 |
| Pretax return on assets | 0.4571% | 3,645 |
| Return on Equity (ROE) | 2.8900% | 3,869 |
| Retained earnings to average equity (ytd only) | 2.8865% | 3,003 |
| Net charge-offs to loans | -0.0099% | 3,923 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 83.6877% | 934 |
| Assets per employee ($millions) | 7.0287% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 3,664 |
| Loan loss allowance to noncurrent loans | 80.4531% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 930 |
| Noncurrent loans to loans | 1.1311% | 746 |
| Net loans and leases to total assets | 59.1400% | 2,946 |
| Net loans and leases to deposits | 67.8995% | 3,046 |
| Net loans and leases to core deposits | 72.6480% | 3,177 |
| Total domestic deposits to total assets | 87.1000% | 1,743 |
| Equity capital to assets | 11.3613% | 1,359 |
| Core capital (leverage) ratio | 12.1171% | 1,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8948% | 805 |
| Memoranda: | ||
| Average total assets | $281,763,500 | 2,546 |
| Average earning assets | $254,436,000 | 2,573 |
| Average equity | $31,872,000 | 2,278 |
| Average total loans | $161,052,500 | 2,633 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4144% | 3,251 |
| Cost of funding earning assets | 0.9663% | 3,379 |
| Net interest margin | 3.4482% | 2,303 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.7202% | 1,688 |
| Loan and lease loss provision to assets | 0.3300% | 321 |
| Net operating income to assets | 0.2760% | 4,064 |
| Return on assets (ROA) | 0.2760% | 4,065 |
| Pretax return on assets | 0.3863% | 3,982 |
| Return on Equity (ROE) | 2.5600% | 4,089 |
| Retained earnings to average equity (ytd only) | 2.5583% | 3,424 |
| Net charge-offs to loans | 0.0064% | 2,457 |
| Credit loss provision to net charge-offs | 9,350.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 202.8000% | 584 |
| Efficiency ratio | 79.0643% | 981 |
| Assets per employee ($millions) | 6.8873% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 3,570 |
| Loan loss allowance to noncurrent loans | 72.6543% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.7058% | 737 |
| Noncurrent loans to loans | 1.2916% | 542 |
| Net loans and leases to total assets | 54.1300% | 3,338 |
| Net loans and leases to deposits | 63.0588% | 3,343 |
| Net loans and leases to core deposits | 66.7667% | 3,457 |
| Total domestic deposits to total assets | 85.8400% | 2,065 |
| Equity capital to assets | 11.2621% | 1,386 |
| Core capital (leverage) ratio | 12.3471% | 1,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1081% | 683 |
| Memoranda: | ||
| Average total assets | $282,957,800 | 2,507 |
| Average earning assets | $256,453,400 | 2,534 |
| Average equity | $30,528,400 | 2,245 |
| Average total loans | $155,530,600 | 2,628 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3005% | 3,294 |
| Cost of funding earning assets | 0.8325% | 3,449 |
| Net interest margin | 3.4680% | 2,280 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.6520% | 1,792 |
| Loan and lease loss provision to assets | 0.3700% | 231 |
| Net operating income to assets | 0.3212% | 4,092 |
| Return on assets (ROA) | 0.3212% | 4,096 |
| Pretax return on assets | 0.4493% | 3,993 |
| Return on Equity (ROE) | 3.0100% | 4,100 |
| Retained earnings to average equity (ytd only) | 3.0100% | 3,505 |
| Net charge-offs to loans | 0.0145% | 1,873 |
| Credit loss provision to net charge-offs | 4,617.6471% | 108 |
| Earnings coverage of net charge-offs (x) | 102.2941% | 907 |
| Efficiency ratio | 76.3229% | 1,148 |
| Assets per employee ($millions) | 6.5987% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8505% | 3,868 |
| Loan loss allowance to noncurrent loans | 60.9825% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 754 |
| Noncurrent loans to loans | 1.3947% | 542 |
| Net loans and leases to total assets | 53.0400% | 3,420 |
| Net loans and leases to deposits | 64.2940% | 3,247 |
| Net loans and leases to core deposits | 68.0033% | 3,325 |
| Total domestic deposits to total assets | 82.5000% | 3,120 |
| Equity capital to assets | 10.6772% | 1,479 |
| Core capital (leverage) ratio | 12.0965% | 1,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2578% | 672 |
| Memoranda: | ||
| Average total assets | $283,102,250 | 2,504 |
| Average earning assets | $257,855,250 | 2,536 |
| Average equity | $30,210,000 | 2,244 |
| Average total loans | $155,837,000 | 2,633 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1576% | 3,384 |
| Cost of funding earning assets | 0.6593% | 3,602 |
| Net interest margin | 3.4983% | 2,271 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.6491% | 1,793 |
| Loan and lease loss provision to assets | 0.3600% | 244 |
| Net operating income to assets | 0.3090% | 4,139 |
| Return on assets (ROA) | 0.3090% | 4,167 |
| Pretax return on assets | 0.4320% | 4,069 |
| Return on Equity (ROE) | 2.9000% | 4,169 |
| Retained earnings to average equity (ytd only) | 2.8958% | 3,506 |
| Net charge-offs to loans | -0.0127% | 3,992 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.8899% | 1,101 |
| Assets per employee ($millions) | 6.2311% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6777% | 4,216 |
| Loan loss allowance to noncurrent loans | 25.2237% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.4426% | 252 |
| Noncurrent loans to loans | 2.6869% | 170 |
| Net loans and leases to total assets | 53.3300% | 3,320 |
| Net loans and leases to deposits | 67.9666% | 2,922 |
| Net loans and leases to core deposits | 70.5789% | 3,093 |
| Total domestic deposits to total assets | 78.4600% | 3,789 |
| Equity capital to assets | 10.6451% | 1,531 |
| Core capital (leverage) ratio | 12.2322% | 1,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6686% | 746 |
| Memoranda: | ||
| Average total assets | $282,888,333 | 2,515 |
| Average earning assets | $257,550,667 | 2,543 |
| Average equity | $30,181,333 | 2,258 |
| Average total loans | $157,186,333 | 2,625 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 3,158 |
| Cost of funding earning assets | 0.5087% | 3,658 |
| Net interest margin | 3.6332% | 2,051 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.5607% | 2,075 |
| Loan and lease loss provision to assets | 0.4100% | 197 |
| Net operating income to assets | 0.3345% | 4,195 |
| Return on assets (ROA) | 0.3345% | 4,152 |
| Pretax return on assets | 0.4683% | 4,032 |
| Return on Equity (ROE) | 3.1300% | 4,173 |
| Retained earnings to average equity (ytd only) | 3.1317% | 3,477 |
| Net charge-offs to loans | -0.0126% | 3,929 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.4716% | 1,287 |
| Assets per employee ($millions) | 5.8020% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5111% | 4,429 |
| Loan loss allowance to noncurrent loans | 28.4067% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.0742% | 370 |
| Noncurrent loans to loans | 1.7994% | 340 |
| Net loans and leases to total assets | 55.6600% | 3,059 |
| Net loans and leases to deposits | 70.6937% | 2,558 |
| Net loans and leases to core deposits | 72.7577% | 2,761 |
| Total domestic deposits to total assets | 78.7400% | 3,918 |
| Equity capital to assets | 10.6993% | 1,456 |
| Core capital (leverage) ratio | 11.8195% | 1,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9091% | 860 |
| Memoranda: | ||
| Average total assets | $281,017,500 | 2,555 |
| Average earning assets | $254,760,000 | 2,581 |
| Average equity | $30,016,000 | 2,292 |
| Average total loans | $158,833,000 | 2,633 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5987% | 2,808 |
| Cost of funding earning assets | 0.1583% | 4,068 |
| Net interest margin | 3.4404% | 2,133 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.6332% | 1,719 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 0.4974% | 4,091 |
| Return on assets (ROA) | 0.4974% | 4,052 |
| Pretax return on assets | 0.6950% | 3,854 |
| Return on Equity (ROE) | 4.4600% | 4,092 |
| Retained earnings to average equity (ytd only) | 4.4551% | 3,250 |
| Net charge-offs to loans | 0.0391% | 1,313 |
| Credit loss provision to net charge-offs | 967.9245% | 445 |
| Earnings coverage of net charge-offs (x) | 45.7925% | 1,422 |
| Efficiency ratio | 74.8528% | 1,133 |
| Assets per employee ($millions) | 6.4590% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3297% | 4,534 |
| Loan loss allowance to noncurrent loans | 23.9579% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.8929% | 501 |
| Noncurrent loans to loans | 1.3763% | 491 |
| Net loans and leases to total assets | 56.9200% | 2,925 |
| Net loans and leases to deposits | 68.2277% | 2,713 |
| Net loans and leases to core deposits | 69.6864% | 2,898 |
| Total domestic deposits to total assets | 83.4300% | 3,327 |
| Equity capital to assets | 10.6626% | 1,389 |
| Core capital (leverage) ratio | 12.0844% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5748% | 886 |
| Memoranda: | ||
| Average total assets | $275,408,000 | 2,573 |
| Average earning assets | $250,756,800 | 2,608 |
| Average equity | $30,751,400 | 2,305 |
| Average total loans | $135,470,400 | 2,772 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3611% | 3,010 |
| Cost of funding earning assets | 0.1649% | 3,681 |
| Net interest margin | 3.1962% | 2,641 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.5318% | 1,918 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.4852% | 4,106 |
| Return on assets (ROA) | 0.4852% | 4,055 |
| Pretax return on assets | 0.6788% | 3,833 |
| Return on Equity (ROE) | 4.3000% | 4,103 |
| Retained earnings to average equity (ytd only) | 4.3007% | 3,347 |
| Net charge-offs to loans | 0.0504% | 975 |
| Credit loss provision to net charge-offs | 740.8163% | 497 |
| Earnings coverage of net charge-offs (x) | 35.9592% | 1,433 |
| Efficiency ratio | 74.6848% | 1,212 |
| Assets per employee ($millions) | 6.5674% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2773% | 4,595 |
| Loan loss allowance to noncurrent loans | 11.6215% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 1.3480% | 275 |
| Noncurrent loans to loans | 2.3864% | 228 |
| Net loans and leases to total assets | 51.6000% | 3,322 |
| Net loans and leases to deposits | 58.3564% | 3,315 |
| Net loans and leases to core deposits | 59.3025% | 3,432 |
| Total domestic deposits to total assets | 88.4300% | 2,299 |
| Equity capital to assets | 10.9998% | 1,178 |
| Core capital (leverage) ratio | 12.3712% | 1,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6686% | 515 |
| Memoranda: | ||
| Average total assets | $274,793,750 | 2,595 |
| Average earning assets | $250,626,000 | 2,630 |
| Average equity | $31,002,000 | 2,322 |
| Average total loans | $129,665,000 | 2,830 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1039% | 3,297 |
| Cost of funding earning assets | 0.1294% | 3,846 |
| Net interest margin | 2.9745% | 2,960 |
| Noninterest income to average assets | 0.3656% | 2,956 |
| Noninterest expense to average assets | 2.3911% | 2,253 |
| Loan and lease loss provision to assets | 0.1835% | 481 |
| Net operating income to assets | 0.3869% | 4,132 |
| Return on assets (ROA) | 0.3869% | 4,082 |
| Pretax return on assets | 0.5411% | 3,938 |
| Return on Equity (ROE) | 4.0032% | 4,034 |
| Retained earnings to average equity (ytd only) | 4.0032% | 3,079 |
| Net charge-offs to loans | -0.0347% | 4,104 |
| Credit loss provision to net charge-offs | -1,136.3636% | 3,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7436% | 1,200 |
| Assets per employee ($millions) | 6.6110% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9589% | 598 |
| Loan loss allowance to noncurrent loans | 110.6140% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.9745% | 490 |
| Noncurrent loans to loans | 1.7709% | 377 |
| Net loans and leases to total assets | 47.7335% | 3,571 |
| Net loans and leases to deposits | 53.0021% | 3,606 |
| Net loans and leases to core deposits | 53.9866% | 3,693 |
| Total domestic deposits to total assets | 90.0597% | 1,687 |
| Equity capital to assets | 9.4653% | 2,042 |
| Core capital (leverage) ratio | 9.3345% | 3,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1877% | 826 |
| Memoranda: | ||
| Average total assets | $272,425,000 | 2,631 |
| Average earning assets | $251,877,667 | 2,658 |
| Average equity | $26,328,667 | 2,620 |
| Average total loans | $126,636,333 | 2,880 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9573% | 3,377 |
| Cost of funding earning assets | 0.1280% | 3,800 |
| Net interest margin | 2.8293% | 3,048 |
| Noninterest income to average assets | 0.3647% | 2,902 |
| Noninterest expense to average assets | 2.4369% | 2,052 |
| Loan and lease loss provision to assets | 0.1447% | 556 |
| Net operating income to assets | 0.2894% | 4,168 |
| Return on assets (ROA) | 0.2894% | 4,141 |
| Pretax return on assets | 0.4052% | 4,025 |
| Return on Equity (ROE) | 2.9654% | 4,099 |
| Retained earnings to average equity (ytd only) | 2.9654% | 3,277 |
| Net charge-offs to loans | -0.0605% | 4,325 |
| Credit loss provision to net charge-offs | -526.3158% | 3,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5891% | 1,020 |
| Assets per employee ($millions) | 7.3773% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9598% | 669 |
| Loan loss allowance to noncurrent loans | 99.8735% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.0207% | 487 |
| Noncurrent loans to loans | 1.9623% | 378 |
| Net loans and leases to total assets | 43.4170% | 3,787 |
| Net loans and leases to deposits | 49.1959% | 3,799 |
| Net loans and leases to core deposits | 50.0974% | 3,869 |
| Total domestic deposits to total assets | 88.2532% | 2,408 |
| Equity capital to assets | 9.4926% | 2,287 |
| Core capital (leverage) ratio | 9.1838% | 3,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0983% | 636 |
| Memoranda: | ||
| Average total assets | $276,418,000 | 2,620 |
| Average earning assets | $256,175,500 | 2,641 |
| Average equity | $26,978,000 | 2,657 |
| Average total loans | $125,580,500 | 2,898 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3981% | 2,938 |
| Cost of funding earning assets | 0.2008% | 3,454 |
| Net interest margin | 3.1974% | 2,602 |
| Noninterest income to average assets | 0.5979% | 2,164 |
| Noninterest expense to average assets | 2.7914% | 1,381 |
| Loan and lease loss provision to assets | 0.1821% | 630 |
| Net operating income to assets | 0.4000% | 4,277 |
| Return on assets (ROA) | 0.3364% | 4,395 |
| Pretax return on assets | 0.4558% | 4,317 |
| Return on Equity (ROE) | 3.3794% | 4,310 |
| Retained earnings to average equity (ytd only) | 3.3323% | 3,481 |
| Net charge-offs to loans | -0.1587% | 4,672 |
| Credit loss provision to net charge-offs | -206.1224% | 3,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3281% | 851 |
| Assets per employee ($millions) | 7.1763% | 1,806 |
| Cash dividends to net income (ytd only)* | 1.3934% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7270% | 988 |
| Loan loss allowance to noncurrent loans | 91.3891% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.0276% | 525 |
| Noncurrent loans to loans | 1.8898% | 424 |
| Net loans and leases to total assets | 45.7456% | 3,713 |
| Net loans and leases to deposits | 52.0722% | 3,736 |
| Net loans and leases to core deposits | 52.9491% | 3,831 |
| Total domestic deposits to total assets | 87.8503% | 2,126 |
| Equity capital to assets | 10.0205% | 2,638 |
| Core capital (leverage) ratio | 8.8016% | 3,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7192% | 684 |
| Memoranda: | ||
| Average total assets | $277,312,000 | 2,561 |
| Average earning assets | $252,549,800 | 2,600 |
| Average equity | $27,608,200 | 2,676 |
| Average total loans | $154,424,000 | 2,594 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5146% | 2,786 |
| Cost of funding earning assets | 0.2180% | 3,441 |
| Net interest margin | 3.2965% | 2,426 |
| Noninterest income to average assets | 0.6573% | 1,987 |
| Noninterest expense to average assets | 3.0134% | 945 |
| Loan and lease loss provision to assets | 0.2432% | 387 |
| Net operating income to assets | 0.3491% | 4,447 |
| Return on assets (ROA) | 0.2516% | 4,598 |
| Pretax return on assets | 0.2795% | 4,608 |
| Return on Equity (ROE) | 2.5309% | 4,524 |
| Retained earnings to average equity (ytd only) | 2.4679% | 4,066 |
| Net charge-offs to loans | -0.1413% | 4,714 |
| Credit loss provision to net charge-offs | -297.0588% | 3,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4144% | 613 |
| Assets per employee ($millions) | 6.4628% | 2,284 |
| Cash dividends to net income (ytd only)* | 2.4904% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 1,488 |
| Loan loss allowance to noncurrent loans | 47.7068% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.6722% | 269 |
| Noncurrent loans to loans | 3.2272% | 191 |
| Net loans and leases to total assets | 48.8919% | 3,537 |
| Net loans and leases to deposits | 55.5567% | 3,617 |
| Net loans and leases to core deposits | 56.6378% | 3,723 |
| Total domestic deposits to total assets | 88.0037% | 1,839 |
| Equity capital to assets | 9.7703% | 3,132 |
| Core capital (leverage) ratio | 8.5681% | 3,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7274% | 1,184 |
| Memoranda: | ||
| Average total assets | $276,671,000 | 2,579 |
| Average earning assets | $250,722,500 | 2,638 |
| Average equity | $27,499,000 | 2,709 |
| Average total loans | $160,459,750 | 2,577 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7919% | 2,092 |
| Cost of funding earning assets | 0.2279% | 3,483 |
| Net interest margin | 3.5640% | 1,673 |
| Noninterest income to average assets | 0.4969% | 2,632 |
| Noninterest expense to average assets | 3.0280% | 939 |
| Loan and lease loss provision to assets | 0.3685% | 196 |
| Net operating income to assets | 0.3364% | 4,482 |
| Return on assets (ROA) | 0.1722% | 4,673 |
| Pretax return on assets | 0.1313% | 4,712 |
| Return on Equity (ROE) | 1.7224% | 4,621 |
| Retained earnings to average equity (ytd only) | 1.6275% | 4,210 |
| Net charge-offs to loans | -0.1918% | 4,790 |
| Credit loss provision to net charge-offs | -315.6250% | 3,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6206% | 697 |
| Assets per employee ($millions) | 5.1653% | 3,492 |
| Cash dividends to net income (ytd only)* | 5.5085% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 2,140 |
| Loan loss allowance to noncurrent loans | 61.5647% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.2373% | 540 |
| Noncurrent loans to loans | 2.2138% | 402 |
| Net loans and leases to total assets | 55.1275% | 2,999 |
| Net loans and leases to deposits | 62.5176% | 3,146 |
| Net loans and leases to core deposits | 63.7308% | 3,313 |
| Total domestic deposits to total assets | 88.1793% | 1,735 |
| Equity capital to assets | 9.7038% | 3,140 |
| Core capital (leverage) ratio | 8.4051% | 4,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1384% | 1,090 |
| Memoranda: | ||
| Average total assets | $274,107,333 | 2,583 |
| Average earning assets | $245,733,667 | 2,653 |
| Average equity | $27,404,333 | 2,709 |
| Average total loans | $166,878,333 | 2,536 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 1,352 |
| Cost of funding earning assets | 0.2339% | 3,613 |
| Net interest margin | 3.8816% | 1,016 |
| Noninterest income to average assets | 0.5024% | 2,600 |
| Noninterest expense to average assets | 3.3309% | 578 |
| Loan and lease loss provision to assets | 0.7506% | 69 |
| Net operating income to assets | 0.0933% | 4,719 |
| Return on assets (ROA) | -0.1709% | 4,829 |
| Pretax return on assets | -0.4608% | 4,886 |
| Return on Equity (ROE) | -1.6836% | 4,850 |
| Retained earnings to average equity (ytd only) | -1.8739% | 4,528 |
| Net charge-offs to loans | 0.0117% | 1,516 |
| Credit loss provision to net charge-offs | 10,100.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 675 |
| Efficiency ratio | 83.4649% | 625 |
| Assets per employee ($millions) | 4.3389% | 4,247 |
| Cash dividends to net income (ytd only)* | -11.3043% | 4,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 3,071 |
| Loan loss allowance to noncurrent loans | 56.8828% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.3684% | 499 |
| Noncurrent loans to loans | 2.0638% | 515 |
| Net loans and leases to total assets | 60.6301% | 2,457 |
| Net loans and leases to deposits | 67.4264% | 2,762 |
| Net loans and leases to core deposits | 69.0258% | 2,966 |
| Total domestic deposits to total assets | 89.9205% | 858 |
| Equity capital to assets | 9.7111% | 2,986 |
| Core capital (leverage) ratio | 8.7004% | 3,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,114,000 | 2,602 |
| Average earning assets | $239,388,000 | 2,681 |
| Average equity | $27,322,500 | 2,710 |
| Average total loans | $170,928,500 | 2,507 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9633% | 2,845 |
| Cost of funding earning assets | 0.3362% | 3,944 |
| Net interest margin | 3.6271% | 2,050 |
| Noninterest income to average assets | 0.5537% | 2,406 |
| Noninterest expense to average assets | 3.4143% | 778 |
| Loan and lease loss provision to assets | 0.2486% | 1,550 |
| Net operating income to assets | 0.1848% | 4,592 |
| Return on assets (ROA) | 0.2937% | 4,506 |
| Pretax return on assets | 0.3458% | 4,494 |
| Return on Equity (ROE) | 2.6364% | 4,454 |
| Retained earnings to average equity (ytd only) | 1.8112% | 3,903 |
| Net charge-offs to loans | 0.0643% | 1,856 |
| Credit loss provision to net charge-offs | 571.0280% | 1,146 |
| Earnings coverage of net charge-offs (x) | 10.7103% | 2,443 |
| Efficiency ratio | 87.1265% | 483 |
| Assets per employee ($millions) | 4.2022% | 4,209 |
| Cash dividends to net income (ytd only)* | 31.3019% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 4,261 |
| Loan loss allowance to noncurrent loans | 41.4776% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.4178% | 535 |
| Noncurrent loans to loans | 2.1074% | 525 |
| Net loans and leases to total assets | 65.2474% | 2,196 |
| Net loans and leases to deposits | 73.3285% | 2,557 |
| Net loans and leases to core deposits | 74.8492% | 2,833 |
| Total domestic deposits to total assets | 88.9796% | 996 |
| Equity capital to assets | 10.6235% | 2,574 |
| Core capital (leverage) ratio | 9.1172% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,816,400 | 2,603 |
| Average earning assets | $225,471,000 | 2,631 |
| Average equity | $27,385,400 | 2,649 |
| Average total loans | $166,510,600 | 2,514 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 3,075 |
| Cost of funding earning assets | 0.3538% | 4,038 |
| Net interest margin | 3.6113% | 2,235 |
| Noninterest income to average assets | 0.4961% | 2,627 |
| Noninterest expense to average assets | 3.5874% | 624 |
| Loan and lease loss provision to assets | 0.2003% | 1,989 |
| Net operating income to assets | 0.0303% | 4,750 |
| Return on assets (ROA) | 0.2037% | 4,627 |
| Pretax return on assets | 0.1867% | 4,667 |
| Return on Equity (ROE) | 1.8062% | 4,584 |
| Retained earnings to average equity (ytd only) | 1.1667% | 4,193 |
| Net charge-offs to loans | 0.0920% | 1,386 |
| Credit loss provision to net charge-offs | 319.2982% | 1,702 |
| Earnings coverage of net charge-offs (x) | 3.4035% | 2,917 |
| Efficiency ratio | 93.4956% | 272 |
| Assets per employee ($millions) | 4.1674% | 4,173 |
| Cash dividends to net income (ytd only)* | 35.4054% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7278% | 4,527 |
| Loan loss allowance to noncurrent loans | 31.9313% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.8883% | 376 |
| Noncurrent loans to loans | 2.2792% | 497 |
| Net loans and leases to total assets | 65.7250% | 2,551 |
| Net loans and leases to deposits | 75.2276% | 2,822 |
| Net loans and leases to core deposits | 77.6176% | 3,047 |
| Total domestic deposits to total assets | 87.3683% | 1,516 |
| Equity capital to assets | 10.5778% | 2,722 |
| Core capital (leverage) ratio | 9.1062% | 3,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,136,500 | 2,613 |
| Average earning assets | $221,593,000 | 2,645 |
| Average equity | $27,312,250 | 2,637 |
| Average total loans | $165,265,250 | 2,532 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0827% | 3,092 |
| Cost of funding earning assets | 0.3706% | 4,172 |
| Net interest margin | 3.7122% | 2,124 |
| Noninterest income to average assets | 0.4402% | 2,859 |
| Noninterest expense to average assets | 3.7419% | 539 |
| Loan and lease loss provision to assets | 0.3075% | 1,401 |
| Net operating income to assets | -0.0963% | 4,827 |
| Return on assets (ROA) | -0.0963% | 4,833 |
| Pretax return on assets | -0.2154% | 4,855 |
| Return on Equity (ROE) | -0.8350% | 4,836 |
| Retained earnings to average equity (ytd only) | -0.9741% | 4,475 |
| Net charge-offs to loans | -0.0147% | 4,312 |
| Credit loss provision to net charge-offs | -3,033.3333% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6946% | 228 |
| Assets per employee ($millions) | 3.8678% | 4,420 |
| Cash dividends to net income (ytd only)* | -16.6667% | 5,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7716% | 4,413 |
| Loan loss allowance to noncurrent loans | 33.8519% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.9802% | 364 |
| Noncurrent loans to loans | 2.2793% | 539 |
| Net loans and leases to total assets | 69.0690% | 2,175 |
| Net loans and leases to deposits | 79.1880% | 2,523 |
| Net loans and leases to core deposits | 81.4788% | 2,819 |
| Total domestic deposits to total assets | 87.2216% | 1,537 |
| Equity capital to assets | 10.6889% | 2,584 |
| Core capital (leverage) ratio | 9.1665% | 3,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,721,667 | 2,629 |
| Average earning assets | $216,423,000 | 2,662 |
| Average equity | $27,306,000 | 2,625 |
| Average total loans | $163,331,667 | 2,539 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 2,644 |
| Cost of funding earning assets | 0.4060% | 4,342 |
| Net interest margin | 3.9866% | 1,427 |
| Noninterest income to average assets | 0.5382% | 2,345 |
| Noninterest expense to average assets | 4.0801% | 464 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0703% | 4,690 |
| Return on assets (ROA) | 0.0703% | 4,685 |
| Pretax return on assets | 0.0844% | 4,674 |
| Return on Equity (ROE) | 0.5857% | 4,681 |
| Retained earnings to average equity (ytd only) | 0.5857% | 3,846 |
| Net charge-offs to loans | -0.0231% | 4,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1284% | 291 |
| Assets per employee ($millions) | 3.1025% | 4,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6471% | 4,693 |
| Loan loss allowance to noncurrent loans | 28.4661% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 2.0833% | 383 |
| Noncurrent loans to loans | 2.2733% | 560 |
| Net loans and leases to total assets | 67.1406% | 2,685 |
| Net loans and leases to deposits | 76.7969% | 3,000 |
| Net loans and leases to core deposits | 79.0456% | 3,284 |
| Total domestic deposits to total assets | 87.4261% | 1,369 |
| Equity capital to assets | 12.0098% | 2,057 |
| Core capital (leverage) ratio | 10.2003% | 3,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,445,000 | 2,650 |
| Average earning assets | $206,894,500 | 2,686 |
| Average equity | $27,316,000 | 2,619 |
| Average total loans | $156,154,000 | 2,579 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4695% | 3,044 |
| Cost of funding earning assets | 0.3685% | 4,544 |
| Net interest margin | 4.1010% | 1,541 |
| Noninterest income to average assets | 0.7323% | 1,695 |
| Noninterest expense to average assets | 4.0634% | 492 |
| Loan and lease loss provision to assets | 0.0284% | 3,449 |
| Net operating income to assets | 0.3081% | 4,740 |
| Return on assets (ROA) | 0.3201% | 4,757 |
| Pretax return on assets | 0.3930% | 4,722 |
| Return on Equity (ROE) | 2.7112% | 4,706 |
| Retained earnings to average equity (ytd only) | 2.7038% | 3,686 |
| Net charge-offs to loans | 0.0733% | 2,043 |
| Credit loss provision to net charge-offs | 59.6330% | 3,039 |
| Earnings coverage of net charge-offs (x) | 8.5413% | 2,764 |
| Efficiency ratio | 90.1036% | 351 |
| Assets per employee ($millions) | 3.1292% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.2729% | 3,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6331% | 4,682 |
| Loan loss allowance to noncurrent loans | 31.2402% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 2.0355% | 380 |
| Noncurrent loans to loans | 2.0266% | 630 |
| Net loans and leases to total assets | 69.3124% | 2,501 |
| Net loans and leases to deposits | 79.2006% | 2,884 |
| Net loans and leases to core deposits | 80.9277% | 3,220 |
| Total domestic deposits to total assets | 87.5150% | 1,359 |
| Equity capital to assets | 12.0100% | 2,129 |
| Core capital (leverage) ratio | 10.2880% | 3,199 |
| Tier 1 risk-based capital ratio | 14.7192% | 2,895 |
| Total risk-based capital ratio | 15.3655% | 3,122 |
| Memoranda: | ||
| Average total assets | $228,993,600 | 2,584 |
| Average earning assets | $208,705,400 | 2,617 |
| Average equity | $27,036,200 | 2,563 |
| Average total loans | $148,679,800 | 2,637 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4632% | 3,169 |
| Cost of funding earning assets | 0.3612% | 4,625 |
| Net interest margin | 4.1020% | 1,603 |
| Noninterest income to average assets | 0.6982% | 1,796 |
| Noninterest expense to average assets | 4.1110% | 469 |
| Loan and lease loss provision to assets | 0.0377% | 3,143 |
| Net operating income to assets | 0.2164% | 4,939 |
| Return on assets (ROA) | 0.2320% | 4,935 |
| Pretax return on assets | 0.3097% | 4,897 |
| Return on Equity (ROE) | 1.9730% | 4,896 |
| Retained earnings to average equity (ytd only) | 1.9632% | 4,287 |
| Net charge-offs to loans | 0.1019% | 1,452 |
| Credit loss provision to net charge-offs | 58.0357% | 2,724 |
| Earnings coverage of net charge-offs (x) | 5.0446% | 2,961 |
| Efficiency ratio | 91.8213% | 277 |
| Assets per employee ($millions) | 3.1117% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.5006% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6554% | 4,717 |
| Loan loss allowance to noncurrent loans | 26.2226% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 2.2009% | 365 |
| Noncurrent loans to loans | 2.4994% | 467 |
| Net loans and leases to total assets | 67.1127% | 2,912 |
| Net loans and leases to deposits | 77.1899% | 3,181 |
| Net loans and leases to core deposits | 78.4410% | 3,518 |
| Total domestic deposits to total assets | 86.9450% | 1,548 |
| Equity capital to assets | 11.9276% | 2,312 |
| Core capital (leverage) ratio | 10.0981% | 3,535 |
| Tier 1 risk-based capital ratio | 15.2912% | 2,718 |
| Total risk-based capital ratio | 15.9712% | 2,908 |
| Memoranda: | ||
| Average total assets | $229,916,250 | 2,605 |
| Average earning assets | $209,650,000 | 2,633 |
| Average equity | $27,030,500 | 2,571 |
| Average total loans | $146,560,250 | 2,678 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 3,267 |
| Cost of funding earning assets | 0.3529% | 4,668 |
| Net interest margin | 4.0706% | 1,701 |
| Noninterest income to average assets | 0.6892% | 1,758 |
| Noninterest expense to average assets | 4.0643% | 487 |
| Loan and lease loss provision to assets | 0.0561% | 2,704 |
| Net operating income to assets | 0.2027% | 4,992 |
| Return on assets (ROA) | 0.2027% | 5,000 |
| Pretax return on assets | 0.2803% | 4,953 |
| Return on Equity (ROE) | 1.7322% | 4,975 |
| Retained earnings to average equity (ytd only) | 1.7175% | 4,199 |
| Net charge-offs to loans | 0.1518% | 1,029 |
| Credit loss provision to net charge-offs | 59.0909% | 2,408 |
| Earnings coverage of net charge-offs (x) | 3.5455% | 2,832 |
| Efficiency ratio | 91.5523% | 292 |
| Assets per employee ($millions) | 2.9235% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.8511% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6703% | 4,755 |
| Loan loss allowance to noncurrent loans | 24.4412% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 2.2575% | 361 |
| Noncurrent loans to loans | 2.7424% | 389 |
| Net loans and leases to total assets | 63.8438% | 3,361 |
| Net loans and leases to deposits | 73.8983% | 3,528 |
| Net loans and leases to core deposits | 74.7961% | 3,835 |
| Total domestic deposits to total assets | 86.3941% | 1,856 |
| Equity capital to assets | 11.9134% | 2,260 |
| Core capital (leverage) ratio | 10.1686% | 3,417 |
| Tier 1 risk-based capital ratio | 15.5765% | 2,596 |
| Total risk-based capital ratio | 16.2515% | 2,760 |
| Memoranda: | ||
| Average total assets | $231,873,670 | 2,603 |
| Average earning assets | $211,419,000 | 2,625 |
| Average equity | $27,133,000 | 2,561 |
| Average total loans | $144,962,330 | 2,711 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 3,145 |
| Cost of funding earning assets | 0.3363% | 4,719 |
| Net interest margin | 4.0843% | 1,595 |
| Noninterest income to average assets | 0.6387% | 1,872 |
| Noninterest expense to average assets | 4.0511% | 498 |
| Loan and lease loss provision to assets | 0.1119% | 1,586 |
| Net operating income to assets | 0.1274% | 5,075 |
| Return on assets (ROA) | 0.1274% | 5,080 |
| Pretax return on assets | 0.1980% | 5,031 |
| Return on Equity (ROE) | 1.0987% | 5,057 |
| Retained earnings to average equity (ytd only) | 1.0987% | 4,288 |
| Net charge-offs to loans | -0.0028% | 3,911 |
| Credit loss provision to net charge-offs | -6,500.0000% | 4,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1042% | 323 |
| Assets per employee ($millions) | 2.9512% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 4,594 |
| Loan loss allowance to noncurrent loans | 28.8060% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 2.1134% | 433 |
| Noncurrent loans to loans | 2.6831% | 457 |
| Net loans and leases to total assets | 61.6289% | 3,539 |
| Net loans and leases to deposits | 71.2379% | 3,662 |
| Net loans and leases to core deposits | 72.1260% | 3,935 |
| Total domestic deposits to total assets | 86.5114% | 2,064 |
| Equity capital to assets | 11.7670% | 2,178 |
| Core capital (leverage) ratio | 10.0920% | 3,498 |
| Tier 1 risk-based capital ratio | 16.1496% | 2,372 |
| Total risk-based capital ratio | 16.9323% | 2,499 |
| Memoranda: | ||
| Average total assets | $232,331,000 | 2,622 |
| Average earning assets | $211,739,500 | 2,651 |
| Average equity | $26,942,000 | 2,575 |
| Average total loans | $143,219,500 | 2,763 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4888% | 2,495 |
| Cost of funding earning assets | 0.2839% | 4,644 |
| Net interest margin | 4.2049% | 1,379 |
| Noninterest income to average assets | 0.5447% | 2,580 |
| Noninterest expense to average assets | 3.6746% | 799 |
| Loan and lease loss provision to assets | 0.1238% | 1,781 |
| Net operating income to assets | 0.6874% | 4,174 |
| Return on assets (ROA) | 0.6870% | 4,179 |
| Pretax return on assets | 0.5947% | 4,640 |
| Return on Equity (ROE) | 5.8335% | 4,224 |
| Retained earnings to average equity (ytd only) | -12.4327% | 5,343 |
| Net charge-offs to loans | 0.2436% | 795 |
| Credit loss provision to net charge-offs | 79.8942% | 2,867 |
| Earnings coverage of net charge-offs (x) | 4.6402% | 3,273 |
| Efficiency ratio | 82.8715% | 720 |
| Assets per employee ($millions) | 3.1262% | 4,908 |
| Cash dividends to net income (ytd only)* | 313.1265% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7242% | 4,750 |
| Loan loss allowance to noncurrent loans | 26.6889% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 2.1129% | 435 |
| Noncurrent loans to loans | 2.7135% | 414 |
| Net loans and leases to total assets | 60.7456% | 3,690 |
| Net loans and leases to deposits | 69.9498% | 3,830 |
| Net loans and leases to core deposits | 71.0699% | 4,055 |
| Total domestic deposits to total assets | 86.8417% | 1,852 |
| Equity capital to assets | 11.4289% | 2,311 |
| Core capital (leverage) ratio | 9.9499% | 3,646 |
| Tier 1 risk-based capital ratio | 16.6582% | 2,184 |
| Total risk-based capital ratio | 17.4211% | 2,295 |
| Memoranda: | ||
| Average total assets | $243,971,200 | 2,516 |
| Average earning assets | $223,311,800 | 2,536 |
| Average equity | $28,730,800 | 2,414 |
| Average total loans | $155,196,600 | 2,581 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5131% | 2,255 |
| Cost of funding earning assets | 0.2756% | 4,651 |
| Net interest margin | 4.2375% | 1,269 |
| Noninterest income to average assets | 0.5537% | 2,548 |
| Noninterest expense to average assets | 3.6381% | 808 |
| Loan and lease loss provision to assets | 0.0677% | 2,624 |
| Net operating income to assets | 0.5250% | 4,706 |
| Return on assets (ROA) | 0.5250% | 4,710 |
| Pretax return on assets | 0.7344% | 4,458 |
| Return on Equity (ROE) | 4.4269% | 4,713 |
| Retained earnings to average equity (ytd only) | -19.5242% | 5,439 |
| Net charge-offs to loans | 0.2681% | 617 |
| Credit loss provision to net charge-offs | 39.3082% | 2,912 |
| Earnings coverage of net charge-offs (x) | 4.6604% | 3,034 |
| Efficiency ratio | 81.1921% | 844 |
| Assets per employee ($millions) | 3.1610% | 4,918 |
| Cash dividends to net income (ytd only)* | 541.0315% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6335% | 4,993 |
| Loan loss allowance to noncurrent loans | 23.2593% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 2.1374% | 482 |
| Noncurrent loans to loans | 2.7237% | 446 |
| Net loans and leases to total assets | 62.6726% | 3,575 |
| Net loans and leases to deposits | 71.8387% | 3,783 |
| Net loans and leases to core deposits | 73.0013% | 4,009 |
| Total domestic deposits to total assets | 87.2407% | 1,625 |
| Equity capital to assets | 11.1727% | 2,506 |
| Core capital (leverage) ratio | 9.5676% | 4,093 |
| Tier 1 risk-based capital ratio | 16.3238% | 2,325 |
| Total risk-based capital ratio | 17.0091% | 2,482 |
| Memoranda: | ||
| Average total assets | $246,347,000 | 2,513 |
| Average earning assets | $225,944,500 | 2,529 |
| Average equity | $29,214,250 | 2,388 |
| Average total loans | $158,128,750 | 2,562 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 1,869 |
| Cost of funding earning assets | 0.2597% | 4,704 |
| Net interest margin | 4.3120% | 1,011 |
| Noninterest income to average assets | 0.5089% | 2,811 |
| Noninterest expense to average assets | 3.5413% | 943 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6631% | 4,309 |
| Return on assets (ROA) | 0.6631% | 4,313 |
| Pretax return on assets | 0.9279% | 3,878 |
| Return on Equity (ROE) | 5.4943% | 4,412 |
| Retained earnings to average equity (ytd only) | 1.7063% | 4,566 |
| Net charge-offs to loans | 0.4103% | 377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.5045% | 2,873 |
| Efficiency ratio | 78.5092% | 1,161 |
| Assets per employee ($millions) | 3.1635% | 4,966 |
| Cash dividends to net income (ytd only)* | 68.9448% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5293% | 5,221 |
| Loan loss allowance to noncurrent loans | 20.4927% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 1.9981% | 539 |
| Noncurrent loans to loans | 2.5828% | 493 |
| Net loans and leases to total assets | 61.1262% | 3,693 |
| Net loans and leases to deposits | 71.2419% | 3,766 |
| Net loans and leases to core deposits | 72.7251% | 3,963 |
| Total domestic deposits to total assets | 85.8008% | 2,371 |
| Equity capital to assets | 12.6736% | 1,455 |
| Core capital (leverage) ratio | 11.0224% | 2,504 |
| Tier 1 risk-based capital ratio | 19.9777% | 1,323 |
| Total risk-based capital ratio | 20.5677% | 1,431 |
| Memoranda: | ||
| Average total assets | $251,546,000 | 2,492 |
| Average earning assets | $231,028,000 | 2,504 |
| Average equity | $30,358,670 | 2,332 |
| Average total loans | $162,325,330 | 2,528 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0645% | 3,354 |
| Cost of funding earning assets | 0.2423% | 4,758 |
| Net interest margin | 3.8222% | 2,327 |
| Noninterest income to average assets | 0.5383% | 2,586 |
| Noninterest expense to average assets | 3.5021% | 1,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3905% | 4,944 |
| Return on assets (ROA) | 0.3905% | 4,950 |
| Pretax return on assets | 0.5461% | 4,797 |
| Return on Equity (ROE) | 3.3133% | 4,949 |
| Retained earnings to average equity (ytd only) | -0.4620% | 4,855 |
| Net charge-offs to loans | 0.0165% | 2,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 50.1429% | 944 |
| Efficiency ratio | 85.7417% | 666 |
| Assets per employee ($millions) | 3.3309% | 4,866 |
| Cash dividends to net income (ytd only)* | 113.9442% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7135% | 5,004 |
| Loan loss allowance to noncurrent loans | 22.6261% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 2.0066% | 569 |
| Noncurrent loans to loans | 3.1534% | 365 |
| Net loans and leases to total assets | 61.7192% | 3,580 |
| Net loans and leases to deposits | 71.4262% | 3,668 |
| Net loans and leases to core deposits | 73.1917% | 3,869 |
| Total domestic deposits to total assets | 86.4098% | 2,356 |
| Equity capital to assets | 12.0963% | 1,717 |
| Core capital (leverage) ratio | 10.4439% | 3,015 |
| Tier 1 risk-based capital ratio | 18.4941% | 1,695 |
| Total risk-based capital ratio | 19.2774% | 1,778 |
| Memoranda: | ||
| Average total assets | $257,104,500 | 2,464 |
| Average earning assets | $236,094,000 | 2,481 |
| Average equity | $30,302,500 | 2,347 |
| Average total loans | $169,614,500 | 2,475 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 2,256 |
| Cost of funding earning assets | 0.2215% | 4,778 |
| Net interest margin | 4.1001% | 1,434 |
| Noninterest income to average assets | 0.8920% | 1,297 |
| Noninterest expense to average assets | 3.5603% | 946 |
| Loan and lease loss provision to assets | -0.0302% | 5,355 |
| Net operating income to assets | 0.7227% | 3,507 |
| Return on assets (ROA) | 0.7151% | 3,590 |
| Pretax return on assets | 1.0730% | 3,284 |
| Return on Equity (ROE) | 6.2705% | 3,641 |
| Retained earnings to average equity (ytd only) | 1.0838% | 4,599 |
| Net charge-offs to loans | 0.0293% | 3,222 |
| Credit loss provision to net charge-offs | -142.8571% | 4,751 |
| Earnings coverage of net charge-offs (x) | 49.8036% | 1,088 |
| Efficiency ratio | 76.4846% | 1,557 |
| Assets per employee ($millions) | 3.6721% | 4,479 |
| Cash dividends to net income (ytd only)* | 82.7167% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6062% | 5,233 |
| Loan loss allowance to noncurrent loans | 21.0497% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 2.0580% | 534 |
| Noncurrent loans to loans | 2.8798% | 396 |
| Net loans and leases to total assets | 69.1477% | 2,657 |
| Net loans and leases to deposits | 79.4889% | 2,967 |
| Net loans and leases to core deposits | 81.5108% | 3,284 |
| Total domestic deposits to total assets | 86.9904% | 2,002 |
| Equity capital to assets | 11.4929% | 2,211 |
| Core capital (leverage) ratio | 10.2102% | 3,178 |
| Tier 1 risk-based capital ratio | 15.3869% | 2,667 |
| Total risk-based capital ratio | 16.0388% | 2,877 |
| Memoranda: | ||
| Average total assets | $264,585,000 | 2,371 |
| Average earning assets | $240,213,600 | 2,419 |
| Average equity | $30,173,000 | 2,346 |
| Average total loans | $191,436,200 | 2,232 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3916% | 1,984 |
| Cost of funding earning assets | 0.2927% | 4,202 |
| Net interest margin | 4.0990% | 1,390 |
| Noninterest income to average assets | 1.0537% | 919 |
| Noninterest expense to average assets | 3.3195% | 1,300 |
| Loan and lease loss provision to assets | -0.0403% | 5,506 |
| Net operating income to assets | 1.0355% | 2,391 |
| Return on assets (ROA) | 1.0250% | 2,488 |
| Pretax return on assets | 1.4663% | 1,890 |
| Return on Equity (ROE) | 9.1200% | 2,539 |
| Retained earnings to average equity (ytd only) | 2.3013% | 4,489 |
| Net charge-offs to loans | 0.0228% | 3,006 |
| Credit loss provision to net charge-offs | -242.4242% | 4,659 |
| Earnings coverage of net charge-offs (x) | 86.7857% | 764 |
| Efficiency ratio | 69.7284% | 2,580 |
| Assets per employee ($millions) | 3.8500% | 4,234 |
| Cash dividends to net income (ytd only)* | 74.7670% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6005% | 5,319 |
| Loan loss allowance to noncurrent loans | 20.5712% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 2.4171% | 466 |
| Noncurrent loans to loans | 2.9192% | 454 |
| Net loans and leases to total assets | 73.0239% | 2,096 |
| Net loans and leases to deposits | 84.3299% | 2,523 |
| Net loans and leases to core deposits | 86.6381% | 2,906 |
| Total domestic deposits to total assets | 86.5932% | 2,050 |
| Equity capital to assets | 11.7127% | 2,178 |
| Core capital (leverage) ratio | 10.2932% | 3,210 |
| Tier 1 risk-based capital ratio | 14.8659% | 2,978 |
| Total risk-based capital ratio | 15.5163% | 3,221 |
| Memoranda: | ||
| Average total assets | $264,973,500 | 2,393 |
| Average earning assets | $239,631,750 | 2,445 |
| Average equity | $29,780,000 | 2,383 |
| Average total loans | $193,322,250 | 2,226 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2906% | 2,167 |
| Cost of funding earning assets | 0.3064% | 4,024 |
| Net interest margin | 3.9841% | 1,659 |
| Noninterest income to average assets | 0.7467% | 1,783 |
| Noninterest expense to average assets | 3.1753% | 1,638 |
| Loan and lease loss provision to assets | -0.0052% | 5,530 |
| Net operating income to assets | 0.6930% | 3,873 |
| Return on assets (ROA) | 0.6786% | 4,008 |
| Pretax return on assets | 1.1537% | 2,961 |
| Return on Equity (ROE) | 6.1210% | 3,995 |
| Retained earnings to average equity (ytd only) | -0.5601% | 5,166 |
| Net charge-offs to loans | -0.0175% | 4,727 |
| Credit loss provision to net charge-offs | 41.1765% | 2,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0590% | 2,177 |
| Assets per employee ($millions) | 3.9221% | 4,096 |
| Cash dividends to net income (ytd only)* | 109.1510% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6500% | 5,297 |
| Loan loss allowance to noncurrent loans | 25.9313% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 2.3278% | 496 |
| Noncurrent loans to loans | 2.5066% | 596 |
| Net loans and leases to total assets | 73.2870% | 1,990 |
| Net loans and leases to deposits | 86.4894% | 2,170 |
| Net loans and leases to core deposits | 88.5713% | 2,651 |
| Total domestic deposits to total assets | 84.7353% | 2,916 |
| Equity capital to assets | 11.2671% | 2,530 |
| Core capital (leverage) ratio | 9.8913% | 3,666 |
| Tier 1 risk-based capital ratio | 14.3166% | 3,258 |
| Total risk-based capital ratio | 15.0269% | 3,465 |
| Memoranda: | ||
| Average total assets | $267,314,330 | 2,390 |
| Average earning assets | $241,507,330 | 2,433 |
| Average equity | $29,635,670 | 2,394 |
| Average total loans | $194,595,000 | 2,219 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4209% | 1,584 |
| Cost of funding earning assets | 0.1120% | 5,606 |
| Net interest margin | 4.3090% | 769 |
| Noninterest income to average assets | 0.4244% | 3,489 |
| Noninterest expense to average assets | 3.0195% | 2,116 |
| Loan and lease loss provision to assets | -0.0104% | 5,657 |
| Net operating income to assets | 0.8001% | 3,220 |
| Return on assets (ROA) | 0.7716% | 3,411 |
| Pretax return on assets | 1.2538% | 2,399 |
| Return on Equity (ROE) | 7.0153% | 3,391 |
| Retained earnings to average equity (ytd only) | -0.1619% | 4,942 |
| Net charge-offs to loans | -0.0328% | 4,973 |
| Credit loss provision to net charge-offs | 43.7500% | 2,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0999% | 2,873 |
| Assets per employee ($millions) | 3.9960% | 4,017 |
| Cash dividends to net income (ytd only)* | 102.3077% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6399% | 5,413 |
| Loan loss allowance to noncurrent loans | 23.4276% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 2.5447% | 447 |
| Noncurrent loans to loans | 2.7314% | 541 |
| Net loans and leases to total assets | 73.0173% | 1,912 |
| Net loans and leases to deposits | 84.6838% | 2,197 |
| Net loans and leases to core deposits | 93.0954% | 2,059 |
| Total domestic deposits to total assets | 86.2235% | 2,567 |
| Equity capital to assets | 11.0675% | 2,562 |
| Core capital (leverage) ratio | 9.6864% | 3,887 |
| Tier 1 risk-based capital ratio | 14.1395% | 3,390 |
| Total risk-based capital ratio | 14.8377% | 3,640 |
| Memoranda: | ||
| Average total assets | $269,580,500 | 2,403 |
| Average earning assets | $242,934,500 | 2,451 |
| Average equity | $29,649,500 | 2,409 |
| Average total loans | $194,970,000 | 2,225 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1144% | 2,789 |
| Cost of funding earning assets | -0.0096% | 5,912 |
| Net interest margin | 4.1240% | 1,322 |
| Noninterest income to average assets | 0.9689% | 1,214 |
| Noninterest expense to average assets | 3.1634% | 1,870 |
| Loan and lease loss provision to assets | 0.0009% | 4,319 |
| Net operating income to assets | 1.1264% | 1,793 |
| Return on assets (ROA) | 1.1294% | 1,871 |
| Pretax return on assets | 1.5411% | 1,460 |
| Return on Equity (ROE) | 9.8011% | 2,054 |
| Retained earnings to average equity (ytd only) | 9.4845% | 501 |
| Net charge-offs to loans | 0.1812% | 1,528 |
| Credit loss provision to net charge-offs | 0.7634% | 3,781 |
| Earnings coverage of net charge-offs (x) | 12.8740% | 2,413 |
| Efficiency ratio | 67.2874% | 3,389 |
| Assets per employee ($millions) | 4.1724% | 3,662 |
| Cash dividends to net income (ytd only)* | 3.2297% | 4,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6475% | 5,454 |
| Loan loss allowance to noncurrent loans | 26.4091% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 2.3720% | 519 |
| Noncurrent loans to loans | 2.4520% | 646 |
| Net loans and leases to total assets | 70.7725% | 2,374 |
| Net loans and leases to deposits | 81.4057% | 2,739 |
| Net loans and leases to core deposits | 83.6475% | 3,059 |
| Total domestic deposits to total assets | 86.9380% | 2,182 |
| Equity capital to assets | 11.3301% | 2,307 |
| Core capital (leverage) ratio | 8.6278% | 5,143 |
| Tier 1 risk-based capital ratio | 14.8233% | 3,039 |
| Total risk-based capital ratio | 15.5157% | 3,234 |
| Memoranda: | ||
| Average total assets | $219,323,200 | 2,766 |
| Average earning assets | $198,497,200 | 2,807 |
| Average equity | $25,272,800 | 2,690 |
| Average total loans | $144,577,200 | 2,719 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8679% | 3,704 |
| Cost of funding earning assets | 0.2390% | 4,716 |
| Net interest margin | 3.6289% | 2,972 |
| Noninterest income to average assets | 0.5261% | 3,070 |
| Noninterest expense to average assets | 3.0434% | 2,191 |
| Loan and lease loss provision to assets | 0.0013% | 4,176 |
| Net operating income to assets | 0.5988% | 4,299 |
| Return on assets (ROA) | 0.6032% | 4,394 |
| Pretax return on assets | 0.7965% | 4,320 |
| Return on Equity (ROE) | 5.3476% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.1291% | 2,733 |
| Net charge-offs to loans | 0.2777% | 831 |
| Credit loss provision to net charge-offs | 0.7220% | 3,409 |
| Earnings coverage of net charge-offs (x) | 4.4080% | 3,273 |
| Efficiency ratio | 79.3506% | 1,516 |
| Assets per employee ($millions) | 4.4391% | 3,179 |
| Cash dividends to net income (ytd only)* | 4.0864% | 3,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 2,806 |
| Loan loss allowance to noncurrent loans | 56.4304% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 2.1202% | 712 |
| Noncurrent loans to loans | 2.2661% | 819 |
| Net loans and leases to total assets | 68.0045% | 2,801 |
| Net loans and leases to deposits | 75.9095% | 3,407 |
| Net loans and leases to core deposits | 78.9969% | 3,553 |
| Total domestic deposits to total assets | 89.5863% | 634 |
| Equity capital to assets | 8.8156% | 5,307 |
| Core capital (leverage) ratio | 8.6537% | 5,211 |
| Tier 1 risk-based capital ratio | 13.5769% | 3,815 |
| Total risk-based capital ratio | 14.8281% | 3,727 |
| Memoranda: | ||
| Average total assets | $205,551,500 | 2,910 |
| Average earning assets | $187,452,000 | 2,939 |
| Average equity | $23,187,500 | 2,895 |
| Average total loans | $133,002,250 | 2,886 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7734% | 4,045 |
| Cost of funding earning assets | 0.1256% | 5,725 |
| Net interest margin | 3.6477% | 2,902 |
| Noninterest income to average assets | 0.4993% | 3,199 |
| Noninterest expense to average assets | 3.0672% | 2,149 |
| Loan and lease loss provision to assets | 0.0023% | 3,989 |
| Net operating income to assets | 0.5067% | 4,652 |
| Return on assets (ROA) | 0.5120% | 4,744 |
| Pretax return on assets | 0.7864% | 4,333 |
| Return on Equity (ROE) | 4.0279% | 4,904 |
| Retained earnings to average equity (ytd only) | 3.8918% | 3,424 |
| Net charge-offs to loans | 0.2666% | 902 |
| Credit loss provision to net charge-offs | 1.3889% | 3,041 |
| Earnings coverage of net charge-offs (x) | 4.7014% | 2,954 |
| Efficiency ratio | 79.7123% | 1,528 |
| Assets per employee ($millions) | 3.5751% | 4,641 |
| Cash dividends to net income (ytd only)* | 3.3784% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 3,090 |
| Loan loss allowance to noncurrent loans | 141.0309% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.9551% | 2,238 |
| Noncurrent loans to loans | 0.8845% | 2,523 |
| Net loans and leases to total assets | 63.1095% | 3,483 |
| Net loans and leases to deposits | 73.1088% | 3,693 |
| Net loans and leases to core deposits | 75.2866% | 3,884 |
| Total domestic deposits to total assets | 86.3227% | 2,252 |
| Equity capital to assets | 13.0532% | 1,471 |
| Core capital (leverage) ratio | 12.6477% | 1,284 |
| Tier 1 risk-based capital ratio | 22.6371% | 1,059 |
| Total risk-based capital ratio | 23.8890% | 1,041 |
| Memoranda: | ||
| Average total assets | $173,448,330 | 3,274 |
| Average earning assets | $159,221,670 | 3,278 |
| Average equity | $22,046,330 | 3,012 |
| Average total loans | $108,023,670 | 3,269 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7471% | 4,147 |
| Cost of funding earning assets | 0.1190% | 5,818 |
| Net interest margin | 3.6281% | 2,979 |
| Noninterest income to average assets | 0.5437% | 2,852 |
| Noninterest expense to average assets | 3.0762% | 2,159 |
| Loan and lease loss provision to assets | 0.0046% | 3,617 |
| Net operating income to assets | 0.4749% | 4,726 |
| Return on assets (ROA) | 0.4749% | 4,823 |
| Pretax return on assets | 0.8212% | 4,132 |
| Return on Equity (ROE) | 3.7861% | 4,965 |
| Retained earnings to average equity (ytd only) | 3.5117% | 3,737 |
| Net charge-offs to loans | -0.0112% | 4,576 |
| Credit loss provision to net charge-offs | -66.6667% | 4,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8360% | 1,779 |
| Assets per employee ($millions) | 3.6252% | 4,601 |
| Cash dividends to net income (ytd only)* | 7.2464% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 2,293 |
| Loan loss allowance to noncurrent loans | 115.2852% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.0319% | 2,148 |
| Noncurrent loans to loans | 1.2401% | 1,948 |
| Net loans and leases to total assets | 58.8435% | 3,941 |
| Net loans and leases to deposits | 67.6526% | 4,095 |
| Net loans and leases to core deposits | 69.5796% | 4,270 |
| Total domestic deposits to total assets | 86.9788% | 2,220 |
| Equity capital to assets | 12.4340% | 1,723 |
| Core capital (leverage) ratio | 12.8605% | 1,215 |
| Tier 1 risk-based capital ratio | 22.6262% | 1,071 |
| Total risk-based capital ratio | 23.8797% | 1,044 |
| Memoranda: | ||
| Average total assets | $174,370,000 | 3,274 |
| Average earning assets | $161,405,500 | 3,267 |
| Average equity | $21,869,500 | 3,035 |
| Average total loans | $107,202,000 | 3,290 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 4,067 |
| Cost of funding earning assets | 0.0907% | 5,999 |
| Net interest margin | 3.7028% | 2,740 |
| Noninterest income to average assets | 0.5635% | 2,941 |
| Noninterest expense to average assets | 3.0277% | 2,451 |
| Loan and lease loss provision to assets | 0.0047% | 4,294 |
| Net operating income to assets | 0.5831% | 4,366 |
| Return on assets (ROA) | 0.5937% | 4,405 |
| Pretax return on assets | 1.0049% | 3,458 |
| Return on Equity (ROE) | 4.7554% | 4,629 |
| Retained earnings to average equity (ytd only) | 4.0435% | 3,141 |
| Net charge-offs to loans | 0.1666% | 1,699 |
| Credit loss provision to net charge-offs | 4.5198% | 3,863 |
| Earnings coverage of net charge-offs (x) | 9.4689% | 2,816 |
| Efficiency ratio | 75.3021% | 2,382 |
| Assets per employee ($millions) | 3.4920% | 4,851 |
| Cash dividends to net income (ytd only)* | 14.9701% | 3,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 2,452 |
| Loan loss allowance to noncurrent loans | 38.1892% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 2.6323% | 568 |
| Noncurrent loans to loans | 3.6489% | 362 |
| Net loans and leases to total assets | 62.4478% | 3,498 |
| Net loans and leases to deposits | 71.7831% | 3,741 |
| Net loans and leases to core deposits | 73.9061% | 3,950 |
| Total domestic deposits to total assets | 86.9952% | 2,142 |
| Equity capital to assets | 12.6541% | 1,529 |
| Core capital (leverage) ratio | 12.7127% | 1,259 |
| Tier 1 risk-based capital ratio | 22.4909% | 1,085 |
| Total risk-based capital ratio | 23.7448% | 1,061 |
| Memoranda: | ||
| Average total assets | $168,776,000 | 3,323 |
| Average earning assets | $157,584,200 | 3,287 |
| Average equity | $21,070,600 | 3,066 |
| Average total loans | $106,259,200 | 3,275 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7861% | 4,138 |
| Cost of funding earning assets | 0.0917% | 6,082 |
| Net interest margin | 3.6945% | 2,796 |
| Noninterest income to average assets | 0.5335% | 3,145 |
| Noninterest expense to average assets | 3.0670% | 2,312 |
| Loan and lease loss provision to assets | 0.0063% | 4,131 |
| Net operating income to assets | 0.5904% | 4,431 |
| Return on assets (ROA) | 0.6048% | 4,460 |
| Pretax return on assets | 0.9330% | 3,876 |
| Return on Equity (ROE) | 4.8616% | 4,691 |
| Retained earnings to average equity (ytd only) | 3.9059% | 3,685 |
| Net charge-offs to loans | 0.0631% | 2,688 |
| Credit loss provision to net charge-offs | 16.0000% | 3,393 |
| Earnings coverage of net charge-offs (x) | 23.1383% | 1,749 |
| Efficiency ratio | 76.9797% | 2,095 |
| Assets per employee ($millions) | 3.5307% | 4,741 |
| Cash dividends to net income (ytd only)* | 19.6597% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 2,462 |
| Loan loss allowance to noncurrent loans | 39.0413% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 2.7107% | 601 |
| Noncurrent loans to loans | 3.6595% | 403 |
| Net loans and leases to total assets | 66.6427% | 2,912 |
| Net loans and leases to deposits | 76.8093% | 3,220 |
| Net loans and leases to core deposits | 79.1054% | 3,499 |
| Total domestic deposits to total assets | 86.7638% | 2,160 |
| Equity capital to assets | 12.7105% | 1,608 |
| Core capital (leverage) ratio | 12.8239% | 1,263 |
| Tier 1 risk-based capital ratio | 23.0684% | 1,046 |
| Total risk-based capital ratio | 24.3238% | 1,028 |
| Memoranda: | ||
| Average total assets | $168,193,500 | 3,362 |
| Average earning assets | $157,095,750 | 3,330 |
| Average equity | $20,925,250 | 3,102 |
| Average total loans | $105,733,500 | 3,307 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7053% | 4,390 |
| Cost of funding earning assets | 0.0962% | 6,147 |
| Net interest margin | 3.6091% | 3,046 |
| Noninterest income to average assets | 0.5841% | 2,827 |
| Noninterest expense to average assets | 3.0662% | 2,346 |
| Loan and lease loss provision to assets | 0.0072% | 3,963 |
| Net operating income to assets | 0.5967% | 4,362 |
| Return on assets (ROA) | 0.6187% | 4,380 |
| Pretax return on assets | 0.9442% | 3,790 |
| Return on Equity (ROE) | 5.0097% | 4,613 |
| Retained earnings to average equity (ytd only) | 3.5618% | 3,763 |
| Net charge-offs to loans | 0.0759% | 2,307 |
| Credit loss provision to net charge-offs | 15.3846% | 3,059 |
| Earnings coverage of net charge-offs (x) | 19.7436% | 1,740 |
| Efficiency ratio | 76.9599% | 2,209 |
| Assets per employee ($millions) | 3.5461% | 4,715 |
| Cash dividends to net income (ytd only)* | 28.9017% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 2,081 |
| Loan loss allowance to noncurrent loans | 49.2962% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 2.2494% | 914 |
| Noncurrent loans to loans | 3.1469% | 608 |
| Net loans and leases to total assets | 62.6763% | 3,454 |
| Net loans and leases to deposits | 72.2747% | 3,692 |
| Net loans and leases to core deposits | 74.2072% | 3,946 |
| Total domestic deposits to total assets | 86.7195% | 2,311 |
| Equity capital to assets | 12.7105% | 1,539 |
| Core capital (leverage) ratio | 12.8821% | 1,221 |
| Tier 1 risk-based capital ratio | 25.3352% | 829 |
| Total risk-based capital ratio | 26.5941% | 818 |
| Memoranda: | ||
| Average total assets | $167,766,670 | 3,390 |
| Average earning assets | $158,045,000 | 3,331 |
| Average equity | $20,720,000 | 3,139 |
| Average total loans | $102,785,000 | 3,383 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6617% | 4,493 |
| Cost of funding earning assets | 0.1034% | 6,192 |
| Net interest margin | 3.5583% | 3,187 |
| Noninterest income to average assets | 0.4967% | 3,308 |
| Noninterest expense to average assets | 2.8565% | 3,043 |
| Loan and lease loss provision to assets | 0.0071% | 3,613 |
| Net operating income to assets | 0.6725% | 3,935 |
| Return on assets (ROA) | 0.6725% | 4,059 |
| Pretax return on assets | 0.9862% | 3,550 |
| Return on Equity (ROE) | 5.5252% | 4,271 |
| Retained earnings to average equity (ytd only) | 3.5728% | 3,855 |
| Net charge-offs to loans | 0.3956% | 619 |
| Credit loss provision to net charge-offs | 3.0000% | 2,479 |
| Earnings coverage of net charge-offs (x) | 4.1800% | 2,523 |
| Efficiency ratio | 74.1975% | 2,784 |
| Assets per employee ($millions) | 3.5228% | 4,856 |
| Cash dividends to net income (ytd only)* | 35.3357% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 2,231 |
| Loan loss allowance to noncurrent loans | 50.0158% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 2.1083% | 1,095 |
| Noncurrent loans to loans | 3.1023% | 675 |
| Net loans and leases to total assets | 59.3970% | 3,745 |
| Net loans and leases to deposits | 71.2427% | 3,622 |
| Net loans and leases to core deposits | 72.7996% | 3,893 |
| Total domestic deposits to total assets | 83.3728% | 4,058 |
| Equity capital to assets | 12.3865% | 1,765 |
| Core capital (leverage) ratio | 12.5722% | 1,331 |
| Tier 1 risk-based capital ratio | 16.7654% | 2,574 |
| Total risk-based capital ratio | 18.0229% | 2,522 |
| Memoranda: | ||
| Average total assets | $168,317,000 | 3,396 |
| Average earning assets | $158,613,000 | 3,342 |
| Average equity | $20,488,000 | 3,181 |
| Average total loans | $101,124,500 | 3,434 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 4,232 |
| Cost of funding earning assets | 0.1176% | 6,259 |
| Net interest margin | 3.7556% | 2,794 |
| Noninterest income to average assets | 0.4477% | 3,847 |
| Noninterest expense to average assets | 2.8510% | 3,299 |
| Loan and lease loss provision to assets | -0.1913% | 6,279 |
| Net operating income to assets | 0.9871% | 2,444 |
| Return on assets (ROA) | 0.9746% | 2,584 |
| Pretax return on assets | 1.2762% | 2,322 |
| Return on Equity (ROE) | 8.4834% | 2,854 |
| Retained earnings to average equity (ytd only) | 8.4323% | 855 |
| Net charge-offs to loans | 0.1437% | 2,600 |
| Credit loss provision to net charge-offs | -224.8276% | 5,656 |
| Earnings coverage of net charge-offs (x) | 12.9448% | 2,320 |
| Efficiency ratio | 72.1348% | 3,185 |
| Assets per employee ($millions) | 3.5643% | 4,788 |
| Cash dividends to net income (ytd only)* | 0.6020% | 4,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6762% | 1,838 |
| Loan loss allowance to noncurrent loans | 55.7214% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 2.0278% | 1,252 |
| Noncurrent loans to loans | 3.0081% | 742 |
| Net loans and leases to total assets | 58.8269% | 3,940 |
| Net loans and leases to deposits | 69.5464% | 3,973 |
| Net loans and leases to core deposits | 71.3170% | 4,183 |
| Total domestic deposits to total assets | 84.5865% | 3,462 |
| Equity capital to assets | 12.1250% | 1,931 |
| Core capital (leverage) ratio | 12.3709% | 1,409 |
| Tier 1 risk-based capital ratio | 22.2729% | 1,186 |
| Total risk-based capital ratio | 23.5292% | 1,163 |
| Memoranda: | ||
| Average total assets | $170,429,200 | 3,333 |
| Average earning assets | $159,043,200 | 3,298 |
| Average equity | $19,579,400 | 3,204 |
| Average total loans | $100,926,200 | 3,398 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8865% | 4,219 |
| Cost of funding earning assets | 0.1196% | 6,337 |
| Net interest margin | 3.7669% | 2,749 |
| Noninterest income to average assets | 0.4471% | 3,912 |
| Noninterest expense to average assets | 2.8994% | 3,119 |
| Loan and lease loss provision to assets | -0.2275% | 6,410 |
| Net operating income to assets | 0.9866% | 2,512 |
| Return on assets (ROA) | 0.9699% | 2,663 |
| Pretax return on assets | 1.2604% | 2,531 |
| Return on Equity (ROE) | 8.5581% | 2,923 |
| Retained earnings to average equity (ytd only) | 8.4894% | 1,150 |
| Net charge-offs to loans | -0.0251% | 5,682 |
| Credit loss provision to net charge-offs | 1,536.8421% | 239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3255% | 2,933 |
| Assets per employee ($millions) | 3.6030% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.8030% | 3,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8555% | 1,563 |
| Loan loss allowance to noncurrent loans | 60.0576% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 2.1534% | 1,298 |
| Noncurrent loans to loans | 3.0896% | 847 |
| Net loans and leases to total assets | 59.9335% | 3,799 |
| Net loans and leases to deposits | 70.6060% | 3,847 |
| Net loans and leases to core deposits | 72.1528% | 4,140 |
| Total domestic deposits to total assets | 84.8845% | 3,383 |
| Equity capital to assets | 12.0565% | 2,011 |
| Core capital (leverage) ratio | 12.1148% | 1,625 |
| Tier 1 risk-based capital ratio | 22.2401% | 1,231 |
| Total risk-based capital ratio | 23.4993% | 1,215 |
| Memoranda: | ||
| Average total assets | $171,156,000 | 3,347 |
| Average earning assets | $159,349,500 | 3,317 |
| Average equity | $19,396,250 | 3,241 |
| Average total loans | $101,100,750 | 3,428 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 4,498 |
| Cost of funding earning assets | 0.1207% | 6,408 |
| Net interest margin | 3.6878% | 3,007 |
| Noninterest income to average assets | 0.4764% | 3,658 |
| Noninterest expense to average assets | 2.8480% | 3,340 |
| Loan and lease loss provision to assets | -0.1665% | 6,441 |
| Net operating income to assets | 0.8813% | 2,903 |
| Return on assets (ROA) | 0.8580% | 3,126 |
| Pretax return on assets | 1.1887% | 2,711 |
| Return on Equity (ROE) | 7.7288% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.6246% | 1,470 |
| Net charge-offs to loans | 0.0574% | 3,147 |
| Credit loss provision to net charge-offs | -496.5517% | 5,557 |
| Earnings coverage of net charge-offs (x) | 31.4483% | 1,216 |
| Efficiency ratio | 72.9778% | 3,165 |
| Assets per employee ($millions) | 3.6430% | 4,564 |
| Cash dividends to net income (ytd only)* | 1.3477% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9540% | 1,449 |
| Loan loss allowance to noncurrent loans | 58.9621% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 2.3566% | 1,240 |
| Noncurrent loans to loans | 3.3141% | 833 |
| Net loans and leases to total assets | 57.9357% | 4,002 |
| Net loans and leases to deposits | 69.3401% | 3,903 |
| Net loans and leases to core deposits | 70.8385% | 4,167 |
| Total domestic deposits to total assets | 83.5528% | 4,089 |
| Equity capital to assets | 11.5961% | 2,329 |
| Core capital (leverage) ratio | 11.8689% | 1,737 |
| Tier 1 risk-based capital ratio | 21.1812% | 1,415 |
| Total risk-based capital ratio | 22.4415% | 1,386 |
| Memoranda: | ||
| Average total assets | $172,962,330 | 3,340 |
| Average earning assets | $160,691,670 | 3,314 |
| Average equity | $19,201,000 | 3,254 |
| Average total loans | $101,064,330 | 3,437 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7638% | 4,622 |
| Cost of funding earning assets | 0.1209% | 6,493 |
| Net interest margin | 3.6430% | 3,086 |
| Noninterest income to average assets | 0.5154% | 3,290 |
| Noninterest expense to average assets | 2.7360% | 3,814 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7592% | 3,358 |
| Return on assets (ROA) | 0.7179% | 3,673 |
| Pretax return on assets | 1.1137% | 2,836 |
| Return on Equity (ROE) | 6.6123% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.6123% | 2,227 |
| Net charge-offs to loans | -0.0079% | 4,953 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9001% | 3,854 |
| Assets per employee ($millions) | 3.9331% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1343% | 1,264 |
| Loan loss allowance to noncurrent loans | 64.6158% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 2.0178% | 1,686 |
| Noncurrent loans to loans | 3.3031% | 925 |
| Net loans and leases to total assets | 57.0465% | 3,998 |
| Net loans and leases to deposits | 67.7284% | 3,886 |
| Net loans and leases to core deposits | 69.2283% | 4,179 |
| Total domestic deposits to total assets | 84.2283% | 4,200 |
| Equity capital to assets | 11.0542% | 2,674 |
| Core capital (leverage) ratio | 11.4046% | 2,046 |
| Tier 1 risk-based capital ratio | 20.7518% | 1,526 |
| Total risk-based capital ratio | 21.9646% | 1,506 |
| Memoranda: | ||
| Average total assets | $173,833,000 | 3,350 |
| Average earning assets | $162,176,000 | 3,321 |
| Average equity | $18,874,000 | 3,297 |
| Average total loans | $101,009,000 | 3,446 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9264% | 4,363 |
| Cost of funding earning assets | 0.1342% | 6,594 |
| Net interest margin | 3.7922% | 2,678 |
| Noninterest income to average assets | 0.6328% | 2,899 |
| Noninterest expense to average assets | 2.8251% | 3,637 |
| Loan and lease loss provision to assets | 0.0872% | 3,361 |
| Net operating income to assets | 1.1907% | 1,609 |
| Return on assets (ROA) | 1.2049% | 1,620 |
| Pretax return on assets | 1.2215% | 2,493 |
| Return on Equity (ROE) | 11.6247% | 1,544 |
| Retained earnings to average equity (ytd only) | 11.6247% | 356 |
| Net charge-offs to loans | 0.5067% | 1,311 |
| Credit loss provision to net charge-offs | 29.5720% | 4,260 |
| Earnings coverage of net charge-offs (x) | 4.3891% | 3,581 |
| Efficiency ratio | 68.5794% | 4,084 |
| Assets per employee ($millions) | 3.6377% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1267% | 1,291 |
| Loan loss allowance to noncurrent loans | 65.1029% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 2.1625% | 1,651 |
| Noncurrent loans to loans | 3.2667% | 1,020 |
| Net loans and leases to total assets | 56.6930% | 4,227 |
| Net loans and leases to deposits | 68.3909% | 3,991 |
| Net loans and leases to core deposits | 69.8197% | 4,300 |
| Total domestic deposits to total assets | 82.8955% | 4,578 |
| Equity capital to assets | 10.6627% | 2,967 |
| Core capital (leverage) ratio | 11.5197% | 1,947 |
| Tier 1 risk-based capital ratio | 19.7839% | 1,703 |
| Total risk-based capital ratio | 20.9755% | 1,694 |
| Memoranda: | ||
| Average total assets | $174,293,600 | 3,344 |
| Average earning assets | $160,248,600 | 3,337 |
| Average equity | $18,065,000 | 3,405 |
| Average total loans | $101,437,600 | 3,418 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 4,259 |
| Cost of funding earning assets | 0.1393% | 6,673 |
| Net interest margin | 3.8258% | 2,556 |
| Noninterest income to average assets | 0.8013% | 2,137 |
| Noninterest expense to average assets | 2.9457% | 3,151 |
| Loan and lease loss provision to assets | -0.0872% | 6,609 |
| Net operating income to assets | 1.4329% | 1,019 |
| Return on assets (ROA) | 1.4518% | 1,031 |
| Pretax return on assets | 1.4709% | 1,697 |
| Return on Equity (ROE) | 14.1089% | 971 |
| Retained earnings to average equity (ytd only) | 14.1089% | 246 |
| Net charge-offs to loans | 0.5622% | 1,122 |
| Credit loss provision to net charge-offs | -26.6355% | 5,660 |
| Earnings coverage of net charge-offs (x) | 4.1659% | 3,525 |
| Efficiency ratio | 68.3416% | 4,027 |
| Assets per employee ($millions) | 3.4050% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9465% | 1,863 |
| Loan loss allowance to noncurrent loans | 74.2556% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 2.9752% | 1,243 |
| Noncurrent loans to loans | 2.6214% | 1,618 |
| Net loans and leases to total assets | 59.4783% | 3,780 |
| Net loans and leases to deposits | 66.8193% | 4,199 |
| Net loans and leases to core deposits | 68.6498% | 4,474 |
| Total domestic deposits to total assets | 89.0137% | 1,543 |
| Equity capital to assets | 10.8161% | 2,939 |
| Core capital (leverage) ratio | 11.2440% | 2,255 |
| Tier 1 risk-based capital ratio | 20.1943% | 1,686 |
| Total risk-based capital ratio | 21.4550% | 1,660 |
| Memoranda: | ||
| Average total assets | $174,214,750 | 3,372 |
| Average earning assets | $159,788,250 | 3,377 |
| Average equity | $17,926,750 | 3,468 |
| Average total loans | $101,511,500 | 3,440 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9013% | 4,469 |
| Cost of funding earning assets | 0.1401% | 6,736 |
| Net interest margin | 3.7612% | 2,717 |
| Noninterest income to average assets | 0.8332% | 2,052 |
| Noninterest expense to average assets | 2.9558% | 3,143 |
| Loan and lease loss provision to assets | 0.2083% | 1,817 |
| Net operating income to assets | 1.0839% | 1,976 |
| Return on assets (ROA) | 1.1117% | 2,005 |
| Pretax return on assets | 1.1320% | 2,965 |
| Return on Equity (ROE) | 10.9800% | 1,814 |
| Retained earnings to average equity (ytd only) | 10.9800% | 647 |
| Net charge-offs to loans | 0.2283% | 2,361 |
| Credit loss provision to net charge-offs | 158.6207% | 1,464 |
| Earnings coverage of net charge-offs (x) | 9.9914% | 2,208 |
| Efficiency ratio | 69.2573% | 3,969 |
| Assets per employee ($millions) | 3.5430% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5343% | 953 |
| Loan loss allowance to noncurrent loans | 91.9160% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 3.2430% | 1,224 |
| Noncurrent loans to loans | 2.7572% | 1,646 |
| Net loans and leases to total assets | 57.1772% | 4,111 |
| Net loans and leases to deposits | 63.7904% | 4,535 |
| Net loans and leases to core deposits | 64.8231% | 4,810 |
| Total domestic deposits to total assets | 89.6328% | 1,242 |
| Equity capital to assets | 10.0665% | 3,834 |
| Core capital (leverage) ratio | 10.6620% | 2,704 |
| Tier 1 risk-based capital ratio | 18.9327% | 2,010 |
| Total risk-based capital ratio | 20.2009% | 1,972 |
| Memoranda: | ||
| Average total assets | $176,671,670 | 3,351 |
| Average earning assets | $161,332,000 | 3,374 |
| Average equity | $17,887,000 | 3,505 |
| Average total loans | $101,613,330 | 3,444 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9084% | 4,438 |
| Cost of funding earning assets | 0.1432% | 6,815 |
| Net interest margin | 3.7652% | 2,589 |
| Noninterest income to average assets | 0.3726% | 4,689 |
| Noninterest expense to average assets | 2.7182% | 3,988 |
| Loan and lease loss provision to assets | 0.1863% | 1,979 |
| Net operating income to assets | 0.8799% | 2,753 |
| Return on assets (ROA) | 0.8799% | 2,903 |
| Pretax return on assets | 0.8911% | 3,791 |
| Return on Equity (ROE) | 8.6666% | 2,644 |
| Retained earnings to average equity (ytd only) | 8.6666% | 1,504 |
| Net charge-offs to loans | 0.0709% | 3,131 |
| Credit loss provision to net charge-offs | 461.1111% | 574 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 1,022 |
| Efficiency ratio | 71.6144% | 3,684 |
| Assets per employee ($millions) | 3.4665% | 5,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5404% | 1,070 |
| Loan loss allowance to noncurrent loans | 97.7247% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 3.1721% | 1,377 |
| Noncurrent loans to loans | 2.5995% | 1,985 |
| Net loans and leases to total assets | 55.9217% | 4,097 |
| Net loans and leases to deposits | 62.5733% | 4,463 |
| Net loans and leases to core deposits | 63.3147% | 4,814 |
| Total domestic deposits to total assets | 89.3699% | 1,441 |
| Equity capital to assets | 10.3269% | 3,762 |
| Core capital (leverage) ratio | 10.0950% | 3,280 |
| Tier 1 risk-based capital ratio | 18.0493% | 2,341 |
| Total risk-based capital ratio | 19.3175% | 2,298 |
| Memoranda: | ||
| Average total assets | $178,204,500 | 3,365 |
| Average earning assets | $162,010,000 | 3,400 |
| Average equity | $18,092,500 | 3,511 |
| Average total loans | $101,498,000 | 3,471 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1758% | 4,676 |
| Cost of funding earning assets | 0.3490% | 6,222 |
| Net interest margin | 3.8269% | 3,118 |
| Noninterest income to average assets | 0.4598% | 4,176 |
| Noninterest expense to average assets | 3.1140% | 2,890 |
| Loan and lease loss provision to assets | 0.6428% | 833 |
| Net operating income to assets | 0.1196% | 5,968 |
| Return on assets (ROA) | 0.1196% | 6,109 |
| Pretax return on assets | 0.1196% | 6,123 |
| Return on Equity (ROE) | 1.2050% | 6,087 |
| Retained earnings to average equity (ytd only) | 1.2050% | 5,273 |
| Net charge-offs to loans | 1.7335% | 475 |
| Credit loss provision to net charge-offs | 63.1550% | 4,371 |
| Earnings coverage of net charge-offs (x) | 0.7490% | 5,103 |
| Efficiency ratio | 80.3331% | 2,107 |
| Assets per employee ($millions) | 3.2658% | 5,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4735% | 1,157 |
| Loan loss allowance to noncurrent loans | 59.7811% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 3.6071% | 1,244 |
| Noncurrent loans to loans | 4.1377% | 1,107 |
| Net loans and leases to total assets | 55.1406% | 4,432 |
| Net loans and leases to deposits | 61.2928% | 4,867 |
| Net loans and leases to core deposits | 62.6050% | 5,097 |
| Total domestic deposits to total assets | 89.9626% | 970 |
| Equity capital to assets | 9.9811% | 4,199 |
| Core capital (leverage) ratio | 9.6607% | 3,875 |
| Tier 1 risk-based capital ratio | 18.1486% | 2,205 |
| Total risk-based capital ratio | 19.4130% | 2,167 |
| Memoranda: | ||
| Average total assets | $178,129,000 | 3,335 |
| Average earning assets | $159,033,600 | 3,391 |
| Average equity | $17,675,800 | 3,514 |
| Average total loans | $104,587,400 | 3,407 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1967% | 4,828 |
| Cost of funding earning assets | 0.3813% | 6,220 |
| Net interest margin | 3.8155% | 3,264 |
| Noninterest income to average assets | 0.4013% | 4,631 |
| Noninterest expense to average assets | 3.2583% | 2,400 |
| Loan and lease loss provision to assets | 0.8303% | 557 |
| Net operating income to assets | -0.2873% | 6,563 |
| Return on assets (ROA) | -0.2873% | 6,624 |
| Pretax return on assets | -0.2873% | 6,596 |
| Return on Equity (ROE) | -2.8993% | 6,619 |
| Retained earnings to average equity (ytd only) | -2.8993% | 6,476 |
| Net charge-offs to loans | 2.2769% | 291 |
| Credit loss provision to net charge-offs | 61.5342% | 4,118 |
| Earnings coverage of net charge-offs (x) | 0.4024% | 5,130 |
| Efficiency ratio | 85.7143% | 1,407 |
| Assets per employee ($millions) | 3.3237% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4456% | 1,277 |
| Loan loss allowance to noncurrent loans | 71.1143% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 4.1804% | 1,142 |
| Noncurrent loans to loans | 3.4390% | 1,584 |
| Net loans and leases to total assets | 55.3173% | 4,551 |
| Net loans and leases to deposits | 61.2403% | 5,054 |
| Net loans and leases to core deposits | 63.1533% | 5,250 |
| Total domestic deposits to total assets | 90.3282% | 665 |
| Equity capital to assets | 9.6500% | 4,994 |
| Core capital (leverage) ratio | 9.4147% | 4,409 |
| Tier 1 risk-based capital ratio | 17.3405% | 2,597 |
| Total risk-based capital ratio | 18.6067% | 2,552 |
| Memoranda: | ||
| Average total assets | $177,756,500 | 3,383 |
| Average earning assets | $158,404,500 | 3,443 |
| Average equity | $17,612,750 | 3,555 |
| Average total loans | $105,345,500 | 3,421 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0150% | 5,600 |
| Cost of funding earning assets | 0.3893% | 6,332 |
| Net interest margin | 3.6257% | 4,163 |
| Noninterest income to average assets | 0.3477% | 5,058 |
| Noninterest expense to average assets | 3.0951% | 2,942 |
| Loan and lease loss provision to assets | 0.3454% | 1,901 |
| Net operating income to assets | 0.1343% | 6,082 |
| Return on assets (ROA) | 0.1343% | 6,245 |
| Pretax return on assets | 0.1343% | 6,251 |
| Return on Equity (ROE) | 1.3438% | 6,224 |
| Retained earnings to average equity (ytd only) | 1.3438% | 5,521 |
| Net charge-offs to loans | 1.4662% | 686 |
| Credit loss provision to net charge-offs | 39.1805% | 4,279 |
| Earnings coverage of net charge-offs (x) | 0.5442% | 4,798 |
| Efficiency ratio | 86.5804% | 1,377 |
| Assets per employee ($millions) | 3.3585% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5585% | 1,199 |
| Loan loss allowance to noncurrent loans | 33.5816% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 6.5618% | 625 |
| Noncurrent loans to loans | 7.6189% | 469 |
| Net loans and leases to total assets | 57.8762% | 4,182 |
| Net loans and leases to deposits | 64.4271% | 4,703 |
| Net loans and leases to core deposits | 66.4660% | 4,944 |
| Total domestic deposits to total assets | 89.8320% | 1,023 |
| Equity capital to assets | 10.0074% | 4,326 |
| Core capital (leverage) ratio | 9.8384% | 3,661 |
| Tier 1 risk-based capital ratio | 17.1023% | 2,624 |
| Total risk-based capital ratio | 18.3711% | 2,580 |
| Memoranda: | ||
| Average total assets | $177,181,670 | 3,406 |
| Average earning assets | $157,708,000 | 3,471 |
| Average equity | $17,710,330 | 3,539 |
| Average total loans | $106,536,330 | 3,412 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0768% | 5,539 |
| Cost of funding earning assets | 0.4199% | 6,317 |
| Net interest margin | 3.6569% | 4,026 |
| Noninterest income to average assets | 0.2580% | 5,801 |
| Noninterest expense to average assets | 2.9914% | 3,281 |
| Loan and lease loss provision to assets | 0.3100% | 2,030 |
| Net operating income to assets | 0.2082% | 5,959 |
| Return on assets (ROA) | 0.2082% | 6,103 |
| Pretax return on assets | 0.2082% | 6,182 |
| Return on Equity (ROE) | 2.0839% | 6,050 |
| Retained earnings to average equity (ytd only) | 2.0839% | 5,227 |
| Net charge-offs to loans | 1.9899% | 475 |
| Credit loss provision to net charge-offs | 25.7519% | 3,697 |
| Earnings coverage of net charge-offs (x) | 0.4305% | 4,138 |
| Efficiency ratio | 85.2353% | 1,556 |
| Assets per employee ($millions) | 3.3771% | 5,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6447% | 1,181 |
| Loan loss allowance to noncurrent loans | 36.0331% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 6.5988% | 676 |
| Noncurrent loans to loans | 7.3396% | 582 |
| Net loans and leases to total assets | 57.2788% | 4,167 |
| Net loans and leases to deposits | 63.5990% | 4,691 |
| Net loans and leases to core deposits | 66.6638% | 4,835 |
| Total domestic deposits to total assets | 90.0624% | 1,053 |
| Equity capital to assets | 9.8930% | 4,263 |
| Core capital (leverage) ratio | 9.9242% | 3,462 |
| Tier 1 risk-based capital ratio | 17.3996% | 2,516 |
| Total risk-based capital ratio | 18.6784% | 2,474 |
| Memoranda: | ||
| Average total assets | $176,773,000 | 3,429 |
| Average earning assets | $157,182,500 | 3,487 |
| Average equity | $17,659,000 | 3,551 |
| Average total loans | $106,942,500 | 3,432 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5018% | 5,063 |
| Cost of funding earning assets | 0.6506% | 5,822 |
| Net interest margin | 3.8512% | 3,561 |
| Noninterest income to average assets | 0.5249% | 3,684 |
| Noninterest expense to average assets | 3.7354% | 1,466 |
| Loan and lease loss provision to assets | 1.8581% | 346 |
| Net operating income to assets | -1.7685% | 6,977 |
| Return on assets (ROA) | -1.7685% | 6,994 |
| Pretax return on assets | -1.7685% | 6,967 |
| Return on Equity (ROE) | -16.8072% | 6,930 |
| Retained earnings to average equity (ytd only) | -16.8072% | 6,910 |
| Net charge-offs to loans | 1.3962% | 1,172 |
| Credit loss provision to net charge-offs | 211.0115% | 1,171 |
| Earnings coverage of net charge-offs (x) | 0.1018% | 5,757 |
| Efficiency ratio | 97.6566% | 742 |
| Assets per employee ($millions) | 3.1171% | 5,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9297% | 872 |
| Loan loss allowance to noncurrent loans | 35.7778% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 6.9191% | 666 |
| Noncurrent loans to loans | 8.1885% | 487 |
| Net loans and leases to total assets | 60.3792% | 3,923 |
| Net loans and leases to deposits | 67.3668% | 4,532 |
| Net loans and leases to core deposits | 71.3412% | 4,612 |
| Total domestic deposits to total assets | 89.6276% | 1,188 |
| Equity capital to assets | 10.0888% | 4,049 |
| Core capital (leverage) ratio | 9.9347% | 3,416 |
| Tier 1 risk-based capital ratio | 16.9998% | 2,606 |
| Total risk-based capital ratio | 18.2194% | 2,580 |
| Memoranda: | ||
| Average total assets | $177,383,800 | 3,374 |
| Average earning assets | $152,004,800 | 3,549 |
| Average equity | $18,664,600 | 3,331 |
| Average total loans | $111,875,200 | 3,336 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5149% | 5,222 |
| Cost of funding earning assets | 0.6712% | 5,924 |
| Net interest margin | 3.8437% | 3,648 |
| Noninterest income to average assets | 0.4784% | 4,057 |
| Noninterest expense to average assets | 3.7134% | 1,466 |
| Loan and lease loss provision to assets | 2.1689% | 233 |
| Net operating income to assets | -2.1300% | 7,157 |
| Return on assets (ROA) | -2.1300% | 7,166 |
| Pretax return on assets | -2.1285% | 7,145 |
| Return on Equity (ROE) | -20.0404% | 7,098 |
| Retained earnings to average equity (ytd only) | -20.0404% | 7,083 |
| Net charge-offs to loans | 1.3865% | 1,092 |
| Credit loss provision to net charge-offs | 247.1843% | 1,162 |
| Earnings coverage of net charge-offs (x) | 0.0461% | 5,565 |
| Efficiency ratio | 98.9230% | 699 |
| Assets per employee ($millions) | 2.9566% | 6,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8808% | 952 |
| Loan loss allowance to noncurrent loans | 31.9565% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 7.8446% | 570 |
| Noncurrent loans to loans | 9.0148% | 432 |
| Net loans and leases to total assets | 62.3599% | 3,639 |
| Net loans and leases to deposits | 69.8485% | 4,328 |
| Net loans and leases to core deposits | 74.6082% | 4,363 |
| Total domestic deposits to total assets | 89.2788% | 1,269 |
| Equity capital to assets | 10.4652% | 3,752 |
| Core capital (leverage) ratio | 9.8879% | 3,590 |
| Tier 1 risk-based capital ratio | 17.1833% | 2,575 |
| Total risk-based capital ratio | 18.4564% | 2,524 |
| Memoranda: | ||
| Average total assets | $178,089,750 | 3,380 |
| Average earning assets | $151,759,500 | 3,571 |
| Average equity | $18,928,000 | 3,297 |
| Average total loans | $112,699,250 | 3,360 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 5,655 |
| Cost of funding earning assets | 0.6666% | 6,137 |
| Net interest margin | 3.7429% | 4,066 |
| Noninterest income to average assets | 0.4948% | 3,911 |
| Noninterest expense to average assets | 3.7628% | 1,415 |
| Loan and lease loss provision to assets | 3.0617% | 146 |
| Net operating income to assets | -3.1305% | 7,317 |
| Return on assets (ROA) | -3.1305% | 7,324 |
| Pretax return on assets | -3.1283% | 7,319 |
| Return on Equity (ROE) | -29.3114% | 7,235 |
| Retained earnings to average equity (ytd only) | -29.3114% | 7,227 |
| Net charge-offs to loans | 1.2698% | 1,225 |
| Credit loss provision to net charge-offs | 382.8017% | 788 |
| Earnings coverage of net charge-offs (x) | -0.0832% | 5,332 |
| Efficiency ratio | 101.8007% | 667 |
| Assets per employee ($millions) | 3.1893% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0636% | 842 |
| Loan loss allowance to noncurrent loans | 40.7100% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 6.8810% | 753 |
| Noncurrent loans to loans | 7.5254% | 634 |
| Net loans and leases to total assets | 60.6752% | 4,154 |
| Net loans and leases to deposits | 67.6504% | 4,762 |
| Net loans and leases to core deposits | 75.0430% | 4,432 |
| Total domestic deposits to total assets | 89.6893% | 1,125 |
| Equity capital to assets | 9.8778% | 4,296 |
| Core capital (leverage) ratio | 9.7676% | 3,569 |
| Tier 1 risk-based capital ratio | 16.5934% | 2,696 |
| Total risk-based capital ratio | 17.8778% | 2,638 |
| Memoranda: | ||
| Average total assets | $180,292,330 | 3,363 |
| Average earning assets | $154,210,000 | 3,560 |
| Average equity | $19,255,330 | 3,237 |
| Average total loans | $113,563,000 | 3,370 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4332% | 5,574 |
| Cost of funding earning assets | 0.6879% | 6,206 |
| Net interest margin | 3.7453% | 3,866 |
| Noninterest income to average assets | 0.4656% | 4,147 |
| Noninterest expense to average assets | 3.1123% | 3,199 |
| Loan and lease loss provision to assets | 3.4844% | 128 |
| Net operating income to assets | -2.9453% | 7,389 |
| Return on assets (ROA) | -2.9453% | 7,394 |
| Pretax return on assets | -2.9408% | 7,372 |
| Return on Equity (ROE) | -26.5669% | 7,298 |
| Retained earnings to average equity (ytd only) | -26.5669% | 7,261 |
| Net charge-offs to loans | 1.5408% | 883 |
| Credit loss provision to net charge-offs | 357.8947% | 914 |
| Earnings coverage of net charge-offs (x) | 0.5584% | 4,200 |
| Efficiency ratio | 85.1310% | 1,825 |
| Assets per employee ($millions) | 2.9926% | 6,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2839% | 1,789 |
| Loan loss allowance to noncurrent loans | 32.4464% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 7.6182% | 651 |
| Noncurrent loans to loans | 7.0391% | 778 |
| Net loans and leases to total assets | 61.3084% | 4,009 |
| Net loans and leases to deposits | 68.9026% | 4,540 |
| Net loans and leases to core deposits | 74.6508% | 4,467 |
| Total domestic deposits to total assets | 88.9784% | 1,789 |
| Equity capital to assets | 10.7042% | 2,986 |
| Core capital (leverage) ratio | 10.6026% | 2,504 |
| Tier 1 risk-based capital ratio | 17.9901% | 2,117 |
| Total risk-based capital ratio | 19.2531% | 2,082 |
| Memoranda: | ||
| Average total assets | $179,543,000 | 3,391 |
| Average earning assets | $152,937,500 | 3,593 |
| Average equity | $19,904,500 | 3,128 |
| Average total loans | $113,450,500 | 3,402 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9298% | 4,877 |
| Cost of funding earning assets | 0.8807% | 6,237 |
| Net interest margin | 4.0491% | 2,807 |
| Noninterest income to average assets | 0.4381% | 4,606 |
| Noninterest expense to average assets | 2.9629% | 3,989 |
| Loan and lease loss provision to assets | 1.0383% | 1,555 |
| Net operating income to assets | -0.0045% | 5,840 |
| Return on assets (ROA) | -0.0045% | 5,965 |
| Pretax return on assets | -0.0045% | 5,904 |
| Return on Equity (ROE) | -0.0384% | 5,966 |
| Retained earnings to average equity (ytd only) | -0.0384% | 5,598 |
| Net charge-offs to loans | 1.3223% | 1,685 |
| Credit loss provision to net charge-offs | 113.0170% | 3,859 |
| Earnings coverage of net charge-offs (x) | 1.1253% | 4,981 |
| Efficiency ratio | 74.1331% | 3,371 |
| Assets per employee ($millions) | 2.9922% | 6,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 5,175 |
| Loan loss allowance to noncurrent loans | 26.2423% | 6,522 |
| Noncurrent assets plus other real estate owned to assets | 6.3343% | 902 |
| Noncurrent loans to loans | 4.8265% | 1,425 |
| Net loans and leases to total assets | 62.8296% | 4,106 |
| Net loans and leases to deposits | 71.1592% | 4,656 |
| Net loans and leases to core deposits | 80.5119% | 4,133 |
| Total domestic deposits to total assets | 88.2944% | 2,066 |
| Equity capital to assets | 11.4683% | 2,287 |
| Core capital (leverage) ratio | 11.3497% | 1,925 |
| Tier 1 risk-based capital ratio | 18.9380% | 1,736 |
| Total risk-based capital ratio | 20.1888% | 1,702 |
| Memoranda: | ||
| Average total assets | $178,947,000 | 3,396 |
| Average earning assets | $157,269,600 | 3,501 |
| Average equity | $20,849,600 | 3,030 |
| Average total loans | $124,324,600 | 3,226 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9785% | 4,913 |
| Cost of funding earning assets | 0.9193% | 6,314 |
| Net interest margin | 4.0592% | 2,815 |
| Noninterest income to average assets | 0.4497% | 4,563 |
| Noninterest expense to average assets | 2.8955% | 4,107 |
| Loan and lease loss provision to assets | 1.2550% | 1,122 |
| Net operating income to assets | -0.1051% | 6,187 |
| Return on assets (ROA) | -0.1051% | 6,278 |
| Pretax return on assets | -0.1051% | 6,224 |
| Return on Equity (ROE) | -0.8989% | 6,269 |
| Retained earnings to average equity (ytd only) | -0.8989% | 5,994 |
| Net charge-offs to loans | 1.4379% | 1,417 |
| Credit loss provision to net charge-offs | 123.0263% | 3,338 |
| Earnings coverage of net charge-offs (x) | 1.1272% | 4,923 |
| Efficiency ratio | 71.5760% | 3,786 |
| Assets per employee ($millions) | 3.0350% | 6,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 4,856 |
| Loan loss allowance to noncurrent loans | 26.4887% | 6,547 |
| Noncurrent assets plus other real estate owned to assets | 6.8736% | 791 |
| Noncurrent loans to loans | 4.9793% | 1,391 |
| Net loans and leases to total assets | 63.6006% | 4,202 |
| Net loans and leases to deposits | 71.9814% | 4,847 |
| Net loans and leases to core deposits | 78.9435% | 4,675 |
| Total domestic deposits to total assets | 88.3571% | 1,759 |
| Equity capital to assets | 11.3673% | 2,636 |
| Core capital (leverage) ratio | 11.2898% | 2,071 |
| Tier 1 risk-based capital ratio | 17.8599% | 2,056 |
| Total risk-based capital ratio | 19.1046% | 2,025 |
| Memoranda: | ||
| Average total assets | $178,801,250 | 3,437 |
| Average earning assets | $158,385,000 | 3,524 |
| Average equity | $20,914,750 | 3,060 |
| Average total loans | $126,844,500 | 3,236 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0906% | 4,504 |
| Cost of funding earning assets | 0.9587% | 6,341 |
| Net interest margin | 4.1320% | 2,421 |
| Noninterest income to average assets | 0.4513% | 4,500 |
| Noninterest expense to average assets | 2.8812% | 4,142 |
| Loan and lease loss provision to assets | 1.0456% | 1,388 |
| Net operating income to assets | 0.2307% | 5,455 |
| Return on assets (ROA) | 0.2307% | 5,593 |
| Pretax return on assets | 0.2307% | 5,703 |
| Return on Equity (ROE) | 1.9537% | 5,648 |
| Retained earnings to average equity (ytd only) | 1.9537% | 4,889 |
| Net charge-offs to loans | 0.5815% | 2,789 |
| Credit loss provision to net charge-offs | 245.7672% | 1,565 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,499 |
| Efficiency ratio | 69.3016% | 4,316 |
| Assets per employee ($millions) | 2.8023% | 6,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 4,435 |
| Loan loss allowance to noncurrent loans | 16.0663% | 7,113 |
| Noncurrent assets plus other real estate owned to assets | 6.4144% | 880 |
| Noncurrent loans to loans | 8.6999% | 565 |
| Net loans and leases to total assets | 70.1716% | 2,864 |
| Net loans and leases to deposits | 79.6202% | 3,663 |
| Net loans and leases to core deposits | 91.2989% | 3,085 |
| Total domestic deposits to total assets | 88.1330% | 1,938 |
| Equity capital to assets | 11.7583% | 2,239 |
| Core capital (leverage) ratio | 11.4822% | 1,923 |
| Tier 1 risk-based capital ratio | 18.3947% | 1,857 |
| Total risk-based capital ratio | 19.6060% | 1,839 |
| Memoranda: | ||
| Average total assets | $177,701,000 | 3,472 |
| Average earning assets | $159,390,670 | 3,529 |
| Average equity | $20,986,330 | 3,047 |
| Average total loans | $130,004,000 | 3,201 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3429% | 3,330 |
| Cost of funding earning assets | 1.0023% | 6,367 |
| Net interest margin | 4.3406% | 1,563 |
| Noninterest income to average assets | 0.4772% | 4,225 |
| Noninterest expense to average assets | 2.9082% | 4,028 |
| Loan and lease loss provision to assets | 1.2800% | 948 |
| Net operating income to assets | 0.1967% | 5,702 |
| Return on assets (ROA) | 0.1967% | 5,819 |
| Pretax return on assets | 0.1967% | 5,883 |
| Return on Equity (ROE) | 1.6622% | 5,897 |
| Retained earnings to average equity (ytd only) | 1.6622% | 5,104 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3228% | 5,046 |
| Assets per employee ($millions) | 3.0135% | 6,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 4,475 |
| Loan loss allowance to noncurrent loans | 19.1755% | 7,052 |
| Noncurrent assets plus other real estate owned to assets | 5.6499% | 1,084 |
| Noncurrent loans to loans | 7.2402% | 810 |
| Net loans and leases to total assets | 73.1490% | 2,166 |
| Net loans and leases to deposits | 83.4053% | 3,043 |
| Net loans and leases to core deposits | 94.3495% | 2,794 |
| Total domestic deposits to total assets | 87.7030% | 2,235 |
| Equity capital to assets | 12.0052% | 2,043 |
| Core capital (leverage) ratio | 11.6164% | 1,847 |
| Tier 1 risk-based capital ratio | 17.9290% | 1,957 |
| Total risk-based capital ratio | 19.1831% | 1,931 |
| Memoranda: | ||
| Average total assets | $176,878,500 | 3,546 |
| Average earning assets | $159,239,000 | 3,577 |
| Average equity | $20,935,500 | 3,071 |
| Average total loans | $131,189,000 | 3,236 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1749% | 5,762 |
| Cost of funding earning assets | 1.2612% | 6,433 |
| Net interest margin | 3.9137% | 3,213 |
| Noninterest income to average assets | 0.5669% | 3,894 |
| Noninterest expense to average assets | 2.8933% | 4,553 |
| Loan and lease loss provision to assets | 1.1979% | 1,921 |
| Net operating income to assets | 0.0376% | 5,371 |
| Return on assets (ROA) | 0.0448% | 5,407 |
| Pretax return on assets | 0.0464% | 5,340 |
| Return on Equity (ROE) | 0.3981% | 5,414 |
| Retained earnings to average equity (ytd only) | 0.3981% | 4,685 |
| Net charge-offs to loans | 1.3008% | 1,910 |
| Credit loss provision to net charge-offs | 124.6393% | 4,207 |
| Earnings coverage of net charge-offs (x) | 1.2869% | 4,843 |
| Efficiency ratio | 70.0542% | 4,615 |
| Assets per employee ($millions) | 2.8409% | 6,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 6,710 |
| Loan loss allowance to noncurrent loans | 14.2002% | 7,280 |
| Noncurrent assets plus other real estate owned to assets | 5.2471% | 1,134 |
| Noncurrent loans to loans | 6.5420% | 913 |
| Net loans and leases to total assets | 73.4704% | 2,389 |
| Net loans and leases to deposits | 83.9626% | 3,278 |
| Net loans and leases to core deposits | 111.9756% | 2,700 |
| Total domestic deposits to total assets | 87.5038% | 2,216 |
| Equity capital to assets | 11.6710% | 2,202 |
| Core capital (leverage) ratio | 11.1109% | 2,171 |
| Tier 1 risk-based capital ratio | 17.1260% | 2,122 |
| Total risk-based capital ratio | 18.1618% | 2,146 |
| Memoranda: | ||
| Average total assets | $187,502,600 | 3,319 |
| Average earning assets | $170,708,200 | 3,336 |
| Average equity | $21,099,400 | 3,060 |
| Average total loans | $138,527,800 | 3,112 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2503% | 5,686 |
| Cost of funding earning assets | 1.3035% | 6,549 |
| Net interest margin | 3.9468% | 3,054 |
| Noninterest income to average assets | 0.5597% | 4,013 |
| Noninterest expense to average assets | 2.8721% | 4,561 |
| Loan and lease loss provision to assets | 1.5123% | 1,265 |
| Net operating income to assets | -0.2313% | 6,114 |
| Return on assets (ROA) | -0.2215% | 6,109 |
| Pretax return on assets | -0.2151% | 6,001 |
| Return on Equity (ROE) | -1.9856% | 6,099 |
| Retained earnings to average equity (ytd only) | -1.9856% | 5,723 |
| Net charge-offs to loans | 0.9992% | 1,974 |
| Credit loss provision to net charge-offs | 205.0524% | 2,166 |
| Earnings coverage of net charge-offs (x) | 1.7455% | 4,490 |
| Efficiency ratio | 69.0500% | 4,773 |
| Assets per employee ($millions) | 3.0228% | 6,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 3,828 |
| Loan loss allowance to noncurrent loans | 29.1282% | 6,523 |
| Noncurrent assets plus other real estate owned to assets | 3.9698% | 1,618 |
| Noncurrent loans to loans | 4.8815% | 1,380 |
| Net loans and leases to total assets | 72.2836% | 2,960 |
| Net loans and leases to deposits | 82.3518% | 3,949 |
| Net loans and leases to core deposits | 113.6078% | 2,871 |
| Total domestic deposits to total assets | 87.7741% | 1,761 |
| Equity capital to assets | 11.3542% | 2,709 |
| Core capital (leverage) ratio | 10.9538% | 2,439 |
| Tier 1 risk-based capital ratio | 17.3602% | 2,164 |
| Total risk-based capital ratio | 19.0027% | 2,005 |
| Memoranda: | ||
| Average total assets | $189,634,750 | 3,316 |
| Average earning assets | $172,962,000 | 3,337 |
| Average equity | $21,152,250 | 3,077 |
| Average total loans | $139,978,250 | 3,117 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3356% | 5,471 |
| Cost of funding earning assets | 1.3481% | 6,657 |
| Net interest margin | 3.9875% | 2,755 |
| Noninterest income to average assets | 0.5510% | 4,032 |
| Noninterest expense to average assets | 2.9076% | 4,474 |
| Loan and lease loss provision to assets | 0.1559% | 5,511 |
| Net operating income to assets | 1.1166% | 1,717 |
| Return on assets (ROA) | 1.1310% | 1,741 |
| Pretax return on assets | 1.1456% | 2,482 |
| Return on Equity (ROE) | 10.1974% | 1,947 |
| Retained earnings to average equity (ytd only) | 10.1974% | 687 |
| Net charge-offs to loans | 0.1026% | 5,133 |
| Credit loss provision to net charge-offs | 205.4795% | 2,221 |
| Earnings coverage of net charge-offs (x) | 16.9589% | 1,508 |
| Efficiency ratio | 69.3185% | 4,915 |
| Assets per employee ($millions) | 2.7166% | 6,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6279% | 7,582 |
| Loan loss allowance to noncurrent loans | 21.1426% | 7,067 |
| Noncurrent assets plus other real estate owned to assets | 2.6412% | 2,430 |
| Noncurrent loans to loans | 2.9699% | 2,431 |
| Net loans and leases to total assets | 74.1926% | 2,654 |
| Net loans and leases to deposits | 86.1048% | 3,535 |
| Net loans and leases to core deposits | 110.6694% | 3,312 |
| Total domestic deposits to total assets | 86.1655% | 2,696 |
| Equity capital to assets | 11.8765% | 2,275 |
| Core capital (leverage) ratio | 10.9085% | 2,479 |
| Tier 1 risk-based capital ratio | 17.6919% | 2,089 |
| Total risk-based capital ratio | 18.4082% | 2,189 |
| Memoranda: | ||
| Average total assets | $192,390,000 | 3,316 |
| Average earning assets | $175,801,330 | 3,320 |
| Average equity | $21,338,670 | 3,057 |
| Average total loans | $142,307,330 | 3,106 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2780% | 5,991 |
| Cost of funding earning assets | 1.3367% | 6,913 |
| Net interest margin | 3.9413% | 2,879 |
| Noninterest income to average assets | 0.5321% | 4,044 |
| Noninterest expense to average assets | 2.7805% | 4,648 |
| Loan and lease loss provision to assets | 0.5402% | 2,311 |
| Net operating income to assets | 0.8134% | 3,075 |
| Return on assets (ROA) | 0.8134% | 3,231 |
| Pretax return on assets | 0.8236% | 3,992 |
| Return on Equity (ROE) | 7.5861% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.5861% | 1,987 |
| Net charge-offs to loans | 0.2021% | 3,423 |
| Credit loss provision to net charge-offs | 363.0137% | 1,402 |
| Earnings coverage of net charge-offs (x) | 9.1644% | 2,097 |
| Efficiency ratio | 67.0930% | 5,127 |
| Assets per employee ($millions) | 2.9920% | 6,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6877% | 7,472 |
| Loan loss allowance to noncurrent loans | 25.5208% | 6,867 |
| Noncurrent assets plus other real estate owned to assets | 2.4656% | 2,325 |
| Noncurrent loans to loans | 2.6945% | 2,438 |
| Net loans and leases to total assets | 72.7747% | 3,059 |
| Net loans and leases to deposits | 93.9176% | 2,280 |
| Net loans and leases to core deposits | 122.3334% | 2,229 |
| Total domestic deposits to total assets | 77.4878% | 6,150 |
| Equity capital to assets | 10.9134% | 3,050 |
| Core capital (leverage) ratio | 10.5571% | 2,860 |
| Tier 1 risk-based capital ratio | 16.5853% | 2,481 |
| Total risk-based capital ratio | 17.3705% | 2,588 |
| Memoranda: | ||
| Average total assets | $196,222,000 | 3,282 |
| Average earning assets | $179,841,000 | 3,280 |
| Average equity | $21,038,500 | 3,115 |
| Average total loans | $144,501,500 | 3,100 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6381% | 6,969 |
| Cost of funding earning assets | 2.1118% | 5,993 |
| Net interest margin | 3.5263% | 5,205 |
| Noninterest income to average assets | 0.3407% | 6,011 |
| Noninterest expense to average assets | 2.5721% | 5,745 |
| Loan and lease loss provision to assets | 0.9502% | 1,556 |
| Net operating income to assets | 0.0487% | 6,235 |
| Return on assets (ROA) | 0.0603% | 6,061 |
| Pretax return on assets | 0.0593% | 6,029 |
| Return on Equity (ROE) | 0.5703% | 6,048 |
| Retained earnings to average equity (ytd only) | -1.1787% | 5,650 |
| Net charge-offs to loans | 1.0517% | 1,168 |
| Credit loss provision to net charge-offs | 124.0814% | 4,317 |
| Earnings coverage of net charge-offs (x) | 1.3031% | 5,473 |
| Efficiency ratio | 72.0479% | 3,926 |
| Assets per employee ($millions) | 2.9547% | 6,164 |
| Cash dividends to net income (ytd only)* | 306.6667% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5379% | 7,784 |
| Loan loss allowance to noncurrent loans | 26.8942% | 6,897 |
| Noncurrent assets plus other real estate owned to assets | 1.9342% | 2,539 |
| Noncurrent loans to loans | 2.0001% | 2,762 |
| Net loans and leases to total assets | 73.6007% | 3,208 |
| Net loans and leases to deposits | 91.8116% | 3,172 |
| Net loans and leases to core deposits | 119.2641% | 2,765 |
| Total domestic deposits to total assets | 80.1649% | 4,954 |
| Equity capital to assets | 10.5336% | 3,462 |
| Core capital (leverage) ratio | 10.2955% | 3,176 |
| Tier 1 risk-based capital ratio | 15.9358% | 2,690 |
| Total risk-based capital ratio | 16.5543% | 2,852 |
| Memoranda: | ||
| Average total assets | $199,018,400 | 3,152 |
| Average earning assets | $182,261,000 | 3,156 |
| Average equity | $21,039,800 | 3,094 |
| Average total loans | $144,910,000 | 3,009 |