Home > Frontier State Bank > Performance and Condition Ratios
Frontier State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7837% | 433 |
| Cost of funding earning assets | 3.3865% | 145 |
| Net interest margin | 3.3972% | 2,568 |
| Noninterest income to average assets | 0.0600% | 4,268 |
| Noninterest expense to average assets | 1.6188% | 4,119 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 1.6465% | 820 |
| Return on assets (ROA) | 1.6756% | 777 |
| Pretax return on assets | 1.6756% | 1,154 |
| Return on Equity (ROE) | 14.2200% | 1,220 |
| Retained earnings to average equity (ytd only) | 1.8444% | 3,352 |
| Net charge-offs to loans | -0.0064% | 3,797 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 48.7591% | 3,970 |
| Assets per employee ($millions) | 14.0400% | 283 |
| Cash dividends to net income (ytd only)* | 87.0322% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 1,672 |
| Loan loss allowance to noncurrent loans | 1,091.4657% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 3,035 |
| Noncurrent loans to loans | 0.1198% | 3,073 |
| Net loans and leases to total assets | 79.0600% | 705 |
| Net loans and leases to deposits | 94.5221% | 735 |
| Net loans and leases to core deposits | 131.2589% | 318 |
| Total domestic deposits to total assets | 83.6400% | 2,996 |
| Equity capital to assets | 11.5655% | 1,394 |
| Core capital (leverage) ratio | 12.3431% | 1,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $548,570,000 | 1,665 |
| Average earning assets | $526,558,500 | 1,623 |
| Average equity | $64,629,000 | 1,456 |
| Average total loans | $440,001,000 | 1,454 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0375% | 376 |
| Cost of funding earning assets | 3.8279% | 96 |
| Net interest margin | 3.2096% | 2,702 |
| Noninterest income to average assets | 0.0700% | 4,316 |
| Noninterest expense to average assets | 1.5981% | 4,182 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 1.5020% | 907 |
| Return on assets (ROA) | 1.4977% | 914 |
| Pretax return on assets | 1.4977% | 1,288 |
| Return on Equity (ROE) | 12.9000% | 1,382 |
| Retained earnings to average equity (ytd only) | 3.2615% | 2,934 |
| Net charge-offs to loans | -0.0420% | 4,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 50.7854% | 3,946 |
| Assets per employee ($millions) | 13.0619% | 328 |
| Cash dividends to net income (ytd only)* | 74.7198% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 1,481 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 79.2300% | 753 |
| Net loans and leases to deposits | 93.2109% | 926 |
| Net loans and leases to core deposits | 128.0405% | 398 |
| Total domestic deposits to total assets | 85.0000% | 2,540 |
| Equity capital to assets | 12.0077% | 1,178 |
| Core capital (leverage) ratio | 12.5056% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $536,147,400 | 1,690 |
| Average earning assets | $513,862,000 | 1,646 |
| Average equity | $62,240,800 | 1,443 |
| Average total loans | $425,751,200 | 1,467 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0484% | 366 |
| Cost of funding earning assets | 3.8918% | 92 |
| Net interest margin | 3.1567% | 2,772 |
| Noninterest income to average assets | 0.0700% | 4,324 |
| Noninterest expense to average assets | 1.6033% | 4,178 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.4386% | 1,036 |
| Return on assets (ROA) | 1.4513% | 1,007 |
| Pretax return on assets | 1.4513% | 1,403 |
| Return on Equity (ROE) | 12.6000% | 1,461 |
| Retained earnings to average equity (ytd only) | 3.9638% | 2,871 |
| Net charge-offs to loans | -0.0509% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 51.7543% | 3,881 |
| Assets per employee ($millions) | 13.7218% | 293 |
| Cash dividends to net income (ytd only)* | 68.5518% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 1,215 |
| Loan loss allowance to noncurrent loans | 1,221.5139% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 3,074 |
| Noncurrent loans to loans | 0.1177% | 3,095 |
| Net loans and leases to total assets | 78.5500% | 814 |
| Net loans and leases to deposits | 89.4283% | 1,299 |
| Net loans and leases to core deposits | 126.2570% | 455 |
| Total domestic deposits to total assets | 87.8300% | 1,299 |
| Equity capital to assets | 11.8550% | 1,334 |
| Core capital (leverage) ratio | 12.5382% | 1,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7907% | 1,599 |
| Memoranda: | ||
| Average total assets | $536,064,000 | 1,683 |
| Average earning assets | $513,822,000 | 1,639 |
| Average equity | $61,724,500 | 1,442 |
| Average total loans | $424,661,000 | 1,466 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0101% | 362 |
| Cost of funding earning assets | 3.9214% | 78 |
| Net interest margin | 3.0887% | 2,874 |
| Noninterest income to average assets | 0.0700% | 4,347 |
| Noninterest expense to average assets | 1.5970% | 4,191 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.3804% | 1,114 |
| Return on assets (ROA) | 1.3707% | 1,142 |
| Pretax return on assets | 1.3707% | 1,545 |
| Return on Equity (ROE) | 12.0200% | 1,616 |
| Retained earnings to average equity (ytd only) | 5.4814% | 2,189 |
| Net charge-offs to loans | -0.0670% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 52.6490% | 3,851 |
| Assets per employee ($millions) | 12.6253% | 346 |
| Cash dividends to net income (ytd only)* | 54.4070% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 1,332 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 79.5500% | 723 |
| Net loans and leases to deposits | 93.9348% | 949 |
| Net loans and leases to core deposits | 131.6951% | 379 |
| Total domestic deposits to total assets | 84.6800% | 2,409 |
| Equity capital to assets | 11.6775% | 1,285 |
| Core capital (leverage) ratio | 12.2377% | 1,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4993% | 1,707 |
| Memoranda: | ||
| Average total assets | $536,368,667 | 1,679 |
| Average earning assets | $514,200,667 | 1,633 |
| Average equity | $61,152,000 | 1,447 |
| Average total loans | $424,057,333 | 1,467 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8813% | 385 |
| Cost of funding earning assets | 3.8708% | 82 |
| Net interest margin | 3.0105% | 2,973 |
| Noninterest income to average assets | 0.0700% | 4,325 |
| Noninterest expense to average assets | 1.5602% | 4,226 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 1.3466% | 1,156 |
| Return on assets (ROA) | 1.3296% | 1,196 |
| Pretax return on assets | 1.3296% | 1,570 |
| Return on Equity (ROE) | 11.8000% | 1,623 |
| Retained earnings to average equity (ytd only) | 11.8024% | 776 |
| Net charge-offs to loans | -0.1080% | 4,460 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 52.6658% | 3,852 |
| Assets per employee ($millions) | 13.3813% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,400 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 76.3000% | 1,034 |
| Net loans and leases to deposits | 86.2822% | 1,509 |
| Net loans and leases to core deposits | 123.8163% | 529 |
| Total domestic deposits to total assets | 88.4300% | 1,284 |
| Equity capital to assets | 11.2487% | 1,409 |
| Core capital (leverage) ratio | 12.2807% | 1,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5892% | 1,672 |
| Memoranda: | ||
| Average total assets | $539,422,500 | 1,685 |
| Average earning assets | $517,517,500 | 1,641 |
| Average equity | $60,767,500 | 1,441 |
| Average total loans | $422,160,500 | 1,469 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3703% | 397 |
| Cost of funding earning assets | 2.8594% | 188 |
| Net interest margin | 3.5109% | 2,156 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 1.6308% | 4,219 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.7588% | 651 |
| Return on assets (ROA) | 1.7634% | 617 |
| Pretax return on assets | 1.7634% | 937 |
| Return on Equity (ROE) | 14.4400% | 1,393 |
| Retained earnings to average equity (ytd only) | -1.8675% | 4,261 |
| Net charge-offs to loans | -0.0321% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.2779% | 4,130 |
| Assets per employee ($millions) | 12.9320% | 332 |
| Cash dividends to net income (ytd only)* | 112.9305% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 1,516 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 78.0900% | 860 |
| Net loans and leases to deposits | 91.1649% | 1,166 |
| Net loans and leases to core deposits | 127.5048% | 450 |
| Total domestic deposits to total assets | 85.6600% | 2,120 |
| Equity capital to assets | 11.2825% | 1,374 |
| Core capital (leverage) ratio | 12.7946% | 1,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2798% | 1,767 |
| Memoranda: | ||
| Average total assets | $502,149,800 | 1,722 |
| Average earning assets | $480,729,000 | 1,686 |
| Average equity | $61,311,200 | 1,373 |
| Average total loans | $386,537,000 | 1,511 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2950% | 370 |
| Cost of funding earning assets | 2.6299% | 227 |
| Net interest margin | 3.6650% | 1,855 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 1.6765% | 4,158 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.8597% | 592 |
| Return on assets (ROA) | 1.8416% | 599 |
| Pretax return on assets | 1.8416% | 939 |
| Return on Equity (ROE) | 14.7800% | 1,485 |
| Retained earnings to average equity (ytd only) | -2.5095% | 4,345 |
| Net charge-offs to loans | -0.0356% | 4,294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.6123% | 4,102 |
| Assets per employee ($millions) | 12.3218% | 345 |
| Cash dividends to net income (ytd only)* | 116.9762% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4638% | 1,214 |
| Loan loss allowance to noncurrent loans | 112,940.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 3,877 |
| Noncurrent loans to loans | 0.0013% | 3,822 |
| Net loans and leases to total assets | 77.1300% | 979 |
| Net loans and leases to deposits | 87.9359% | 1,392 |
| Net loans and leases to core deposits | 117.7515% | 614 |
| Total domestic deposits to total assets | 87.7100% | 1,663 |
| Equity capital to assets | 12.0370% | 1,033 |
| Core capital (leverage) ratio | 12.9809% | 1,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3265% | 1,467 |
| Memoranda: | ||
| Average total assets | $495,134,500 | 1,741 |
| Average earning assets | $473,870,500 | 1,701 |
| Average equity | $61,683,750 | 1,354 |
| Average total loans | $378,222,500 | 1,527 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0948% | 395 |
| Cost of funding earning assets | 2.3428% | 251 |
| Net interest margin | 3.7519% | 1,713 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 1.7068% | 4,137 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.9032% | 557 |
| Return on assets (ROA) | 1.9004% | 553 |
| Pretax return on assets | 1.9004% | 867 |
| Return on Equity (ROE) | 15.0900% | 1,452 |
| Retained earnings to average equity (ytd only) | 2.2795% | 3,652 |
| Net charge-offs to loans | -0.0394% | 4,313 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.5004% | 4,144 |
| Assets per employee ($millions) | 12.6953% | 321 |
| Cash dividends to net income (ytd only)* | 84.8896% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4761% | 1,253 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 72.8800% | 1,423 |
| Net loans and leases to deposits | 89.6217% | 1,218 |
| Net loans and leases to core deposits | 111.4025% | 768 |
| Total domestic deposits to total assets | 81.3200% | 3,372 |
| Equity capital to assets | 12.0711% | 1,028 |
| Core capital (leverage) ratio | 13.3054% | 936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3487% | 1,250 |
| Memoranda: | ||
| Average total assets | $495,888,667 | 1,737 |
| Average earning assets | $474,636,667 | 1,698 |
| Average equity | $62,469,333 | 1,345 |
| Average total loans | $375,704,333 | 1,520 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9651% | 324 |
| Cost of funding earning assets | 2.0782% | 249 |
| Net interest margin | 3.8869% | 1,502 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 1.7292% | 4,161 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.9929% | 499 |
| Return on assets (ROA) | 2.0134% | 479 |
| Pretax return on assets | 2.0134% | 762 |
| Return on Equity (ROE) | 15.6400% | 1,430 |
| Retained earnings to average equity (ytd only) | 15.6435% | 725 |
| Net charge-offs to loans | -0.0436% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.7057% | 4,235 |
| Assets per employee ($millions) | 11.9973% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 1,527 |
| Loan loss allowance to noncurrent loans | 830.0763% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 2,584 |
| Noncurrent loans to loans | 0.1714% | 2,624 |
| Net loans and leases to total assets | 76.5800% | 918 |
| Net loans and leases to deposits | 90.3943% | 1,019 |
| Net loans and leases to core deposits | 105.0895% | 873 |
| Total domestic deposits to total assets | 84.7100% | 2,927 |
| Equity capital to assets | 13.1127% | 736 |
| Core capital (leverage) ratio | 13.7043% | 790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6201% | 1,228 |
| Memoranda: | ||
| Average total assets | $489,928,000 | 1,767 |
| Average earning assets | $469,065,500 | 1,729 |
| Average equity | $63,055,000 | 1,347 |
| Average total loans | $375,734,500 | 1,540 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8807% | 374 |
| Cost of funding earning assets | 0.9158% | 238 |
| Net interest margin | 3.9649% | 833 |
| Noninterest income to average assets | 1.5800% | 324 |
| Noninterest expense to average assets | 1.8654% | 3,901 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 3.4180% | 93 |
| Return on assets (ROA) | 3.3490% | 92 |
| Pretax return on assets | 3.3490% | 106 |
| Return on Equity (ROE) | 24.0200% | 243 |
| Retained earnings to average equity (ytd only) | -2.9608% | 4,520 |
| Net charge-offs to loans | -0.0569% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 35.0989% | 4,613 |
| Assets per employee ($millions) | 12.1992% | 368 |
| Cash dividends to net income (ytd only)* | 112.3245% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 1,368 |
| Loan loss allowance to noncurrent loans | 764.5115% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 2,537 |
| Noncurrent loans to loans | 0.1884% | 2,544 |
| Net loans and leases to total assets | 74.6000% | 1,168 |
| Net loans and leases to deposits | 87.5542% | 1,206 |
| Net loans and leases to core deposits | 101.2279% | 938 |
| Total domestic deposits to total assets | 85.2100% | 2,936 |
| Equity capital to assets | 12.6259% | 779 |
| Core capital (leverage) ratio | 13.6409% | 784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7478% | 1,172 |
| Memoranda: | ||
| Average total assets | $478,494,200 | 1,777 |
| Average earning assets | $451,183,800 | 1,754 |
| Average equity | $66,706,000 | 1,299 |
| Average total loans | $341,227,000 | 1,574 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6248% | 406 |
| Cost of funding earning assets | 0.6858% | 288 |
| Net interest margin | 3.9389% | 724 |
| Noninterest income to average assets | 2.0000% | 268 |
| Noninterest expense to average assets | 1.9036% | 3,744 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 3.7516% | 86 |
| Return on assets (ROA) | 3.6583% | 82 |
| Pretax return on assets | 3.6583% | 102 |
| Return on Equity (ROE) | 25.6200% | 169 |
| Retained earnings to average equity (ytd only) | 0.1255% | 4,317 |
| Net charge-offs to loans | -0.0702% | 4,397 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 33.4136% | 4,671 |
| Assets per employee ($millions) | 12.2131% | 360 |
| Cash dividends to net income (ytd only)* | 99.5101% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 1,338 |
| Loan loss allowance to noncurrent loans | 220.4073% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.7739% | 648 |
| Noncurrent loans to loans | 0.6729% | 1,212 |
| Net loans and leases to total assets | 73.9500% | 1,100 |
| Net loans and leases to deposits | 87.7620% | 1,052 |
| Net loans and leases to core deposits | 98.2473% | 888 |
| Total domestic deposits to total assets | 84.2600% | 3,441 |
| Equity capital to assets | 13.4198% | 629 |
| Core capital (leverage) ratio | 14.2918% | 638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4533% | 1,095 |
| Memoranda: | ||
| Average total assets | $476,126,250 | 1,794 |
| Average earning assets | $447,148,000 | 1,776 |
| Average equity | $67,980,000 | 1,293 |
| Average total loans | $334,192,250 | 1,592 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3458% | 486 |
| Cost of funding earning assets | 0.5611% | 367 |
| Net interest margin | 3.7848% | 775 |
| Noninterest income to average assets | 2.9273% | 158 |
| Noninterest expense to average assets | 1.6468% | 4,225 |
| Loan and lease loss provision to assets | 0.0630% | 1,470 |
| Net operating income to assets | 4.7515% | 32 |
| Return on assets (ROA) | 4.6477% | 31 |
| Pretax return on assets | 4.6477% | 44 |
| Return on Equity (ROE) | 31.9125% | 49 |
| Retained earnings to average equity (ytd only) | 8.8356% | 1,340 |
| Net charge-offs to loans | -0.1072% | 4,465 |
| Credit loss provision to net charge-offs | -85.7143% | 3,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.4876% | 4,738 |
| Assets per employee ($millions) | 11.4297% | 445 |
| Cash dividends to net income (ytd only)* | 72.3131% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 1,276 |
| Loan loss allowance to noncurrent loans | 83.9880% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.6205% | 209 |
| Noncurrent loans to loans | 1.8449% | 364 |
| Net loans and leases to total assets | 71.9024% | 1,112 |
| Net loans and leases to deposits | 84.3726% | 1,096 |
| Net loans and leases to core deposits | 91.4844% | 1,041 |
| Total domestic deposits to total assets | 85.2201% | 3,433 |
| Equity capital to assets | 14.5893% | 456 |
| Core capital (leverage) ratio | 14.8716% | 490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5733% | 915 |
| Memoranda: | ||
| Average total assets | $476,064,667 | 1,804 |
| Average earning assets | $444,518,667 | 1,804 |
| Average equity | $69,333,333 | 1,302 |
| Average total loans | $326,409,000 | 1,609 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6049% | 254 |
| Cost of funding earning assets | 0.4978% | 503 |
| Net interest margin | 4.1071% | 333 |
| Noninterest income to average assets | 4.3511% | 113 |
| Noninterest expense to average assets | 1.6441% | 4,224 |
| Loan and lease loss provision to assets | 0.0625% | 1,294 |
| Net operating income to assets | 6.4412% | 30 |
| Return on assets (ROA) | 6.4412% | 29 |
| Pretax return on assets | 6.4412% | 34 |
| Return on Equity (ROE) | 44.2649% | 23 |
| Retained earnings to average equity (ytd only) | 27.0769% | 45 |
| Net charge-offs to loans | -0.0992% | 4,455 |
| Credit loss provision to net charge-offs | -94.9367% | 2,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.1780% | 4,775 |
| Assets per employee ($millions) | 12.0672% | 386 |
| Cash dividends to net income (ytd only)* | 38.8299% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 1,059 |
| Loan loss allowance to noncurrent loans | 72.8111% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 2.7440% | 77 |
| Noncurrent loans to loans | 2.3306% | 277 |
| Net loans and leases to total assets | 60.0770% | 2,054 |
| Net loans and leases to deposits | 71.1935% | 1,843 |
| Net loans and leases to core deposits | 77.2643% | 1,675 |
| Total domestic deposits to total assets | 84.3855% | 3,677 |
| Equity capital to assets | 14.5192% | 447 |
| Core capital (leverage) ratio | 15.3170% | 396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8346% | 781 |
| Memoranda: | ||
| Average total assets | $479,788,500 | 1,797 |
| Average earning assets | $443,527,000 | 1,813 |
| Average equity | $69,816,000 | 1,337 |
| Average total loans | $318,488,500 | 1,627 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3711% | 754 |
| Cost of funding earning assets | 0.8109% | 195 |
| Net interest margin | 3.5602% | 1,575 |
| Noninterest income to average assets | 0.1117% | 4,558 |
| Noninterest expense to average assets | 1.5281% | 4,507 |
| Loan and lease loss provision to assets | 0.0592% | 1,877 |
| Net operating income to assets | 1.8020% | 505 |
| Return on assets (ROA) | 1.8103% | 519 |
| Pretax return on assets | 1.8103% | 894 |
| Return on Equity (ROE) | 12.0144% | 1,812 |
| Retained earnings to average equity (ytd only) | 6.2515% | 2,249 |
| Net charge-offs to loans | 0.1129% | 789 |
| Credit loss provision to net charge-offs | 75.7576% | 1,982 |
| Earnings coverage of net charge-offs (x) | 23.8157% | 1,765 |
| Efficiency ratio | 45.0856% | 4,535 |
| Assets per employee ($millions) | 11.9185% | 404 |
| Cash dividends to net income (ytd only)* | 47.9669% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 1,603 |
| Loan loss allowance to noncurrent loans | 109.2406% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 4.3397% | 39 |
| Noncurrent loans to loans | 1.3616% | 686 |
| Net loans and leases to total assets | 70.9165% | 929 |
| Net loans and leases to deposits | 84.2599% | 891 |
| Net loans and leases to core deposits | 92.5590% | 847 |
| Total domestic deposits to total assets | 84.1640% | 3,517 |
| Equity capital to assets | 14.5856% | 559 |
| Core capital (leverage) ratio | 14.4994% | 537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8575% | 1,077 |
| Memoranda: | ||
| Average total assets | $506,720,600 | 1,683 |
| Average earning assets | $466,493,000 | 1,699 |
| Average equity | $76,349,800 | 1,256 |
| Average total loans | $350,698,200 | 1,515 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 849 |
| Cost of funding earning assets | 0.9082% | 138 |
| Net interest margin | 3.4664% | 1,966 |
| Noninterest income to average assets | 0.0869% | 4,714 |
| Noninterest expense to average assets | 1.5274% | 4,565 |
| Loan and lease loss provision to assets | 0.0580% | 1,828 |
| Net operating income to assets | 1.6914% | 845 |
| Return on assets (ROA) | 1.7022% | 864 |
| Pretax return on assets | 1.7022% | 1,397 |
| Return on Equity (ROE) | 11.2167% | 2,303 |
| Retained earnings to average equity (ytd only) | 3.7423% | 3,665 |
| Net charge-offs to loans | 0.1413% | 581 |
| Credit loss provision to net charge-offs | 59.8404% | 1,804 |
| Earnings coverage of net charge-offs (x) | 18.0479% | 1,796 |
| Efficiency ratio | 46.6132% | 4,465 |
| Assets per employee ($millions) | 11.8272% | 389 |
| Cash dividends to net income (ytd only)* | 66.6364% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 1,726 |
| Loan loss allowance to noncurrent loans | 98.1456% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 4.4689% | 36 |
| Noncurrent loans to loans | 1.5033% | 699 |
| Net loans and leases to total assets | 69.4732% | 1,133 |
| Net loans and leases to deposits | 85.4263% | 865 |
| Net loans and leases to core deposits | 94.1195% | 822 |
| Total domestic deposits to total assets | 81.3253% | 4,048 |
| Equity capital to assets | 16.9611% | 339 |
| Core capital (leverage) ratio | 16.7702% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0923% | 686 |
| Memoranda: | ||
| Average total assets | $517,195,750 | 1,674 |
| Average earning assets | $475,948,750 | 1,686 |
| Average equity | $78,488,000 | 1,242 |
| Average total loans | $354,720,000 | 1,532 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3660% | 896 |
| Cost of funding earning assets | 0.9683% | 123 |
| Net interest margin | 3.3977% | 2,148 |
| Noninterest income to average assets | 0.0921% | 4,719 |
| Noninterest expense to average assets | 1.4965% | 4,624 |
| Loan and lease loss provision to assets | 0.0564% | 1,905 |
| Net operating income to assets | 1.6635% | 934 |
| Return on assets (ROA) | 1.6635% | 986 |
| Pretax return on assets | 1.6635% | 1,579 |
| Return on Equity (ROE) | 11.3576% | 2,284 |
| Retained earnings to average equity (ytd only) | 0.0616% | 4,498 |
| Net charge-offs to loans | 0.2173% | 399 |
| Credit loss provision to net charge-offs | 38.1679% | 1,667 |
| Earnings coverage of net charge-offs (x) | 11.6387% | 1,748 |
| Efficiency ratio | 46.5279% | 4,492 |
| Assets per employee ($millions) | 13.4400% | 259 |
| Cash dividends to net income (ytd only)* | 99.4575% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 2,083 |
| Loan loss allowance to noncurrent loans | 55.2189% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 4.8283% | 37 |
| Noncurrent loans to loans | 2.4894% | 332 |
| Net loans and leases to total assets | 67.8530% | 1,463 |
| Net loans and leases to deposits | 88.5105% | 750 |
| Net loans and leases to core deposits | 99.9124% | 662 |
| Total domestic deposits to total assets | 76.6610% | 4,528 |
| Equity capital to assets | 15.3082% | 483 |
| Core capital (leverage) ratio | 14.4696% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4478% | 894 |
| Memoranda: | ||
| Average total assets | $531,898,000 | 1,619 |
| Average earning assets | $489,100,000 | 1,639 |
| Average equity | $77,903,667 | 1,246 |
| Average total loans | $361,762,667 | 1,517 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4325% | 867 |
| Cost of funding earning assets | 0.9381% | 185 |
| Net interest margin | 3.4945% | 1,841 |
| Noninterest income to average assets | 0.1128% | 4,632 |
| Noninterest expense to average assets | 1.4916% | 4,662 |
| Loan and lease loss provision to assets | 0.0553% | 2,003 |
| Net operating income to assets | 1.7851% | 810 |
| Return on assets (ROA) | 1.7851% | 861 |
| Pretax return on assets | 1.7851% | 1,319 |
| Return on Equity (ROE) | 12.4530% | 1,853 |
| Retained earnings to average equity (ytd only) | 2.1655% | 3,978 |
| Net charge-offs to loans | -0.0796% | 4,565 |
| Credit loss provision to net charge-offs | -102.7397% | 2,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7665% | 4,539 |
| Assets per employee ($millions) | 14.0419% | 235 |
| Cash dividends to net income (ytd only)* | 82.6105% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 1,847 |
| Loan loss allowance to noncurrent loans | 48.7990% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 4.7603% | 41 |
| Noncurrent loans to loans | 2.9264% | 273 |
| Net loans and leases to total assets | 65.8083% | 1,817 |
| Net loans and leases to deposits | 89.9176% | 702 |
| Net loans and leases to core deposits | 101.6096% | 644 |
| Total domestic deposits to total assets | 73.1873% | 4,696 |
| Equity capital to assets | 14.2718% | 614 |
| Core capital (leverage) ratio | 14.5477% | 555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1307% | 909 |
| Memoranda: | ||
| Average total assets | $542,487,000 | 1,580 |
| Average earning assets | $499,757,500 | 1,588 |
| Average equity | $77,764,500 | 1,239 |
| Average total loans | $366,959,500 | 1,501 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4079% | 1,568 |
| Cost of funding earning assets | 1.6086% | 47 |
| Net interest margin | 2.7994% | 4,268 |
| Noninterest income to average assets | 0.3004% | 3,678 |
| Noninterest expense to average assets | 1.5741% | 4,723 |
| Loan and lease loss provision to assets | 0.1704% | 2,252 |
| Net operating income to assets | 1.1616% | 1,679 |
| Return on assets (ROA) | 1.5083% | 863 |
| Pretax return on assets | 1.5083% | 1,307 |
| Return on Equity (ROE) | 11.4167% | 1,490 |
| Retained earnings to average equity (ytd only) | 3.5988% | 3,036 |
| Net charge-offs to loans | 0.1346% | 1,199 |
| Credit loss provision to net charge-offs | 188.0228% | 2,223 |
| Earnings coverage of net charge-offs (x) | 14.7110% | 2,201 |
| Efficiency ratio | 54.1642% | 4,196 |
| Assets per employee ($millions) | 13.7780% | 226 |
| Cash dividends to net income (ytd only)* | 68.4775% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 2,066 |
| Loan loss allowance to noncurrent loans | 47.1162% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 4.8686% | 44 |
| Noncurrent loans to loans | 2.9234% | 297 |
| Net loans and leases to total assets | 67.5990% | 1,870 |
| Net loans and leases to deposits | 93.0158% | 719 |
| Net loans and leases to core deposits | 105.6911% | 659 |
| Total domestic deposits to total assets | 72.6747% | 4,688 |
| Equity capital to assets | 14.3991% | 701 |
| Core capital (leverage) ratio | 13.1863% | 851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8915% | 915 |
| Memoranda: | ||
| Average total assets | $580,904,200 | 1,367 |
| Average earning assets | $540,729,600 | 1,373 |
| Average equity | $76,747,200 | 1,198 |
| Average total loans | $390,692,200 | 1,397 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3866% | 1,887 |
| Cost of funding earning assets | 1.5801% | 82 |
| Net interest margin | 2.8066% | 4,335 |
| Noninterest income to average assets | 0.3084% | 3,645 |
| Noninterest expense to average assets | 1.5036% | 4,798 |
| Loan and lease loss provision to assets | 0.1710% | 2,287 |
| Net operating income to assets | 1.2554% | 1,466 |
| Return on assets (ROA) | 1.4827% | 1,020 |
| Pretax return on assets | 1.4827% | 1,481 |
| Return on Equity (ROE) | 11.4562% | 1,527 |
| Retained earnings to average equity (ytd only) | 6.2338% | 2,005 |
| Net charge-offs to loans | 0.0807% | 1,496 |
| Credit loss provision to net charge-offs | 316.2500% | 1,714 |
| Earnings coverage of net charge-offs (x) | 26.3792% | 1,694 |
| Efficiency ratio | 51.3187% | 4,395 |
| Assets per employee ($millions) | 14.9840% | 165 |
| Cash dividends to net income (ytd only)* | 45.5858% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 2,265 |
| Loan loss allowance to noncurrent loans | 36.7091% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 3.9774% | 80 |
| Noncurrent loans to loans | 3.4746% | 235 |
| Net loans and leases to total assets | 64.6191% | 2,686 |
| Net loans and leases to deposits | 103.3382% | 404 |
| Net loans and leases to core deposits | 118.2848% | 451 |
| Total domestic deposits to total assets | 62.5316% | 4,908 |
| Equity capital to assets | 12.7956% | 1,278 |
| Core capital (leverage) ratio | 12.7434% | 1,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8523% | 1,078 |
| Memoranda: | ||
| Average total assets | $591,795,000 | 1,327 |
| Average earning assets | $552,788,000 | 1,319 |
| Average equity | $76,591,000 | 1,192 |
| Average total loans | $396,287,750 | 1,357 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 1,861 |
| Cost of funding earning assets | 1.7219% | 70 |
| Net interest margin | 2.7971% | 4,455 |
| Noninterest income to average assets | 0.1725% | 4,428 |
| Noninterest expense to average assets | 1.5739% | 4,801 |
| Loan and lease loss provision to assets | 0.1985% | 2,060 |
| Net operating income to assets | 1.0146% | 2,270 |
| Return on assets (ROA) | 1.3483% | 1,319 |
| Pretax return on assets | 1.3483% | 1,874 |
| Return on Equity (ROE) | 10.3769% | 1,856 |
| Retained earnings to average equity (ytd only) | 7.7425% | 1,388 |
| Net charge-offs to loans | 0.1344% | 1,044 |
| Credit loss provision to net charge-offs | 218.8679% | 1,846 |
| Earnings coverage of net charge-offs (x) | 13.3736% | 2,000 |
| Efficiency ratio | 56.4726% | 3,888 |
| Assets per employee ($millions) | 15.3204% | 156 |
| Cash dividends to net income (ytd only)* | 25.3872% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 2,531 |
| Loan loss allowance to noncurrent loans | 33.9586% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 4.1032% | 83 |
| Noncurrent loans to loans | 3.5269% | 223 |
| Net loans and leases to total assets | 66.2841% | 2,585 |
| Net loans and leases to deposits | 106.6892% | 303 |
| Net loans and leases to core deposits | 120.8231% | 401 |
| Total domestic deposits to total assets | 62.1282% | 4,938 |
| Equity capital to assets | 12.6207% | 1,329 |
| Core capital (leverage) ratio | 13.1184% | 972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2505% | 1,192 |
| Memoranda: | ||
| Average total assets | $584,278,333 | 1,321 |
| Average earning assets | $546,130,333 | 1,315 |
| Average equity | $75,918,333 | 1,193 |
| Average total loans | $394,346,000 | 1,345 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6661% | 1,809 |
| Cost of funding earning assets | 1.9165% | 48 |
| Net interest margin | 2.7496% | 4,619 |
| Noninterest income to average assets | 0.2996% | 3,716 |
| Noninterest expense to average assets | 1.8561% | 4,599 |
| Loan and lease loss provision to assets | 0.0575% | 3,041 |
| Net operating income to assets | 0.9593% | 2,317 |
| Return on assets (ROA) | 1.1474% | 1,804 |
| Pretax return on assets | 1.1474% | 2,369 |
| Return on Equity (ROE) | 8.6961% | 2,240 |
| Retained earnings to average equity (ytd only) | 8.6961% | 1,053 |
| Net charge-offs to loans | 0.2985% | 487 |
| Credit loss provision to net charge-offs | 28.4722% | 2,162 |
| Earnings coverage of net charge-offs (x) | 5.0313% | 2,089 |
| Efficiency ratio | 64.6067% | 3,127 |
| Assets per employee ($millions) | 13.7727% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 3,016 |
| Loan loss allowance to noncurrent loans | 31.0010% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 4.2183% | 93 |
| Noncurrent loans to loans | 3.6630% | 241 |
| Net loans and leases to total assets | 66.2826% | 2,786 |
| Net loans and leases to deposits | 107.6975% | 242 |
| Net loans and leases to core deposits | 123.9710% | 366 |
| Total domestic deposits to total assets | 61.5452% | 5,013 |
| Equity capital to assets | 13.0662% | 1,398 |
| Core capital (leverage) ratio | 13.8890% | 936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9065% | 1,158 |
| Memoranda: | ||
| Average total assets | $570,009,000 | 1,306 |
| Average earning assets | $533,466,500 | 1,305 |
| Average equity | $75,206,500 | 1,197 |
| Average total loans | $385,957,000 | 1,336 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8446% | 1,910 |
| Cost of funding earning assets | 2.3006% | 14 |
| Net interest margin | 2.5440% | 4,945 |
| Noninterest income to average assets | 0.0529% | 5,033 |
| Noninterest expense to average assets | 1.7005% | 4,867 |
| Loan and lease loss provision to assets | 0.2402% | 784 |
| Net operating income to assets | 0.5221% | 4,352 |
| Return on assets (ROA) | 0.6016% | 4,213 |
| Pretax return on assets | 0.6016% | 4,410 |
| Return on Equity (ROE) | 4.9992% | 4,207 |
| Retained earnings to average equity (ytd only) | 4.9992% | 2,413 |
| Net charge-offs to loans | 0.6156% | 299 |
| Credit loss provision to net charge-offs | 59.5603% | 3,041 |
| Earnings coverage of net charge-offs (x) | 1.8901% | 3,482 |
| Efficiency ratio | 69.0463% | 2,311 |
| Assets per employee ($millions) | 12.7628% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,438 |
| Loan loss allowance to noncurrent loans | 29.3126% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 3.5282% | 126 |
| Noncurrent loans to loans | 4.0946% | 160 |
| Net loans and leases to total assets | 67.5766% | 2,741 |
| Net loans and leases to deposits | 111.5125% | 157 |
| Net loans and leases to core deposits | 130.7226% | 266 |
| Total domestic deposits to total assets | 60.6000% | 5,083 |
| Equity capital to assets | 13.3255% | 1,353 |
| Core capital (leverage) ratio | 13.0471% | 1,216 |
| Tier 1 risk-based capital ratio | 16.8628% | 2,096 |
| Total risk-based capital ratio | 17.8899% | 2,105 |
| Memoranda: | ||
| Average total assets | $597,760,200 | 1,227 |
| Average earning assets | $566,284,400 | 1,205 |
| Average equity | $71,931,200 | 1,197 |
| Average total loans | $391,642,600 | 1,289 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8082% | 2,089 |
| Cost of funding earning assets | 2.3484% | 12 |
| Net interest margin | 2.4598% | 5,086 |
| Noninterest income to average assets | 0.0532% | 5,107 |
| Noninterest expense to average assets | 1.7141% | 4,907 |
| Loan and lease loss provision to assets | 0.2096% | 833 |
| Net operating income to assets | 0.4636% | 4,596 |
| Return on assets (ROA) | 0.5680% | 4,419 |
| Pretax return on assets | 0.5680% | 4,593 |
| Return on Equity (ROE) | 4.8403% | 4,367 |
| Retained earnings to average equity (ytd only) | 4.8403% | 2,965 |
| Net charge-offs to loans | 0.6058% | 264 |
| Credit loss provision to net charge-offs | 53.3557% | 2,761 |
| Earnings coverage of net charge-offs (x) | 1.7136% | 3,265 |
| Efficiency ratio | 71.7994% | 1,869 |
| Assets per employee ($millions) | 12.8440% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 2,524 |
| Loan loss allowance to noncurrent loans | 24.7912% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 3.2429% | 160 |
| Noncurrent loans to loans | 4.8293% | 111 |
| Net loans and leases to total assets | 66.3476% | 3,009 |
| Net loans and leases to deposits | 105.8333% | 332 |
| Net loans and leases to core deposits | 123.4723% | 422 |
| Total domestic deposits to total assets | 62.6906% | 5,145 |
| Equity capital to assets | 12.4362% | 1,960 |
| Core capital (leverage) ratio | 12.4726% | 1,587 |
| Tier 1 risk-based capital ratio | 16.2334% | 2,356 |
| Total risk-based capital ratio | 17.2659% | 2,365 |
| Memoranda: | ||
| Average total assets | $606,809,500 | 1,215 |
| Average earning assets | $575,802,750 | 1,198 |
| Average equity | $71,206,250 | 1,202 |
| Average total loans | $393,529,500 | 1,293 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7817% | 2,118 |
| Cost of funding earning assets | 2.3690% | 10 |
| Net interest margin | 2.4127% | 5,164 |
| Noninterest income to average assets | 0.0552% | 5,153 |
| Noninterest expense to average assets | 1.8110% | 4,864 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5329% | 4,455 |
| Return on assets (ROA) | 0.5943% | 4,356 |
| Pretax return on assets | 0.5943% | 4,553 |
| Return on Equity (ROE) | 5.1640% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.1640% | 2,691 |
| Net charge-offs to loans | -0.0581% | 4,863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2651% | 1,239 |
| Assets per employee ($millions) | 12.0853% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 1,398 |
| Loan loss allowance to noncurrent loans | 25.5275% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 3.6939% | 130 |
| Noncurrent loans to loans | 5.7064% | 77 |
| Net loans and leases to total assets | 63.7902% | 3,364 |
| Net loans and leases to deposits | 100.2565% | 655 |
| Net loans and leases to core deposits | 116.7614% | 656 |
| Total domestic deposits to total assets | 63.6270% | 5,175 |
| Equity capital to assets | 12.0542% | 2,145 |
| Core capital (leverage) ratio | 11.9200% | 1,878 |
| Tier 1 risk-based capital ratio | 16.1206% | 2,360 |
| Total risk-based capital ratio | 17.3634% | 2,310 |
| Memoranda: | ||
| Average total assets | $612,138,670 | 1,205 |
| Average earning assets | $580,666,330 | 1,184 |
| Average equity | $70,449,670 | 1,206 |
| Average total loans | $392,457,330 | 1,300 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7230% | 2,144 |
| Cost of funding earning assets | 2.3389% | 12 |
| Net interest margin | 2.3841% | 5,229 |
| Noninterest income to average assets | 0.0519% | 5,208 |
| Noninterest expense to average assets | 1.7751% | 4,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5382% | 4,413 |
| Return on assets (ROA) | 0.5382% | 4,440 |
| Pretax return on assets | 0.5382% | 4,609 |
| Return on Equity (ROE) | 4.7881% | 4,388 |
| Retained earnings to average equity (ytd only) | 4.7881% | 3,003 |
| Net charge-offs to loans | -0.0254% | 4,583 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7331% | 1,414 |
| Assets per employee ($millions) | 12.5627% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 1,488 |
| Loan loss allowance to noncurrent loans | 24.8648% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 3.5913% | 148 |
| Noncurrent loans to loans | 5.8589% | 79 |
| Net loans and leases to total assets | 60.4032% | 3,665 |
| Net loans and leases to deposits | 92.3225% | 1,371 |
| Net loans and leases to core deposits | 104.5376% | 1,272 |
| Total domestic deposits to total assets | 65.4263% | 5,214 |
| Equity capital to assets | 11.2254% | 2,627 |
| Core capital (leverage) ratio | 11.7010% | 1,980 |
| Tier 1 risk-based capital ratio | 16.0586% | 2,414 |
| Total risk-based capital ratio | 17.2938% | 2,365 |
| Memoranda: | ||
| Average total assets | $616,076,000 | 1,203 |
| Average earning assets | $584,369,500 | 1,177 |
| Average equity | $69,255,000 | 1,220 |
| Average total loans | $393,106,500 | 1,304 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 1,818 |
| Cost of funding earning assets | 1.9583% | 14 |
| Net interest margin | 2.7437% | 5,065 |
| Noninterest income to average assets | 0.0626% | 5,240 |
| Noninterest expense to average assets | 1.9139% | 4,879 |
| Loan and lease loss provision to assets | 0.1017% | 2,162 |
| Net operating income to assets | 0.6414% | 4,311 |
| Return on assets (ROA) | 0.6562% | 4,270 |
| Pretax return on assets | 0.6562% | 4,525 |
| Return on Equity (ROE) | 5.4898% | 4,328 |
| Retained earnings to average equity (ytd only) | 5.4898% | 2,487 |
| Net charge-offs to loans | 0.1619% | 1,187 |
| Credit loss provision to net charge-offs | 94.4109% | 2,655 |
| Earnings coverage of net charge-offs (x) | 6.9003% | 3,039 |
| Efficiency ratio | 72.0321% | 1,893 |
| Assets per employee ($millions) | 12.1743% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 1,732 |
| Loan loss allowance to noncurrent loans | 36.4538% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 2.5565% | 290 |
| Noncurrent loans to loans | 3.7739% | 211 |
| Net loans and leases to total assets | 65.7624% | 3,165 |
| Net loans and leases to deposits | 102.6992% | 550 |
| Net loans and leases to core deposits | 119.2665% | 569 |
| Total domestic deposits to total assets | 64.0340% | 5,277 |
| Equity capital to assets | 11.9430% | 1,940 |
| Core capital (leverage) ratio | 12.3790% | 1,523 |
| Tier 1 risk-based capital ratio | 16.4672% | 2,248 |
| Total risk-based capital ratio | 17.6646% | 2,207 |
| Memoranda: | ||
| Average total assets | $614,708,600 | 1,176 |
| Average earning assets | $581,255,400 | 1,154 |
| Average equity | $73,481,400 | 1,107 |
| Average total loans | $408,791,600 | 1,234 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6501% | 1,831 |
| Cost of funding earning assets | 1.8689% | 13 |
| Net interest margin | 2.7812% | 5,108 |
| Noninterest income to average assets | 0.0647% | 5,307 |
| Noninterest expense to average assets | 1.9406% | 4,835 |
| Loan and lease loss provision to assets | 0.1352% | 1,484 |
| Net operating income to assets | 0.6175% | 4,456 |
| Return on assets (ROA) | 0.6372% | 4,414 |
| Pretax return on assets | 0.6372% | 4,665 |
| Return on Equity (ROE) | 5.3294% | 4,470 |
| Retained earnings to average equity (ytd only) | 5.3294% | 3,041 |
| Net charge-offs to loans | 0.3025% | 549 |
| Credit loss provision to net charge-offs | 67.2766% | 2,660 |
| Earnings coverage of net charge-offs (x) | 3.7449% | 3,131 |
| Efficiency ratio | 72.0517% | 1,877 |
| Assets per employee ($millions) | 12.1844% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 1,981 |
| Loan loss allowance to noncurrent loans | 27.3143% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 3.2124% | 207 |
| Noncurrent loans to loans | 4.8526% | 129 |
| Net loans and leases to total assets | 63.6993% | 3,465 |
| Net loans and leases to deposits | 98.7947% | 881 |
| Net loans and leases to core deposits | 113.2402% | 856 |
| Total domestic deposits to total assets | 64.4765% | 5,346 |
| Equity capital to assets | 11.7743% | 2,053 |
| Core capital (leverage) ratio | 12.3904% | 1,561 |
| Tier 1 risk-based capital ratio | 17.0949% | 2,068 |
| Total risk-based capital ratio | 18.2723% | 2,047 |
| Memoranda: | ||
| Average total assets | $616,206,750 | 1,176 |
| Average earning assets | $582,420,250 | 1,151 |
| Average equity | $73,677,000 | 1,108 |
| Average total loans | $409,517,000 | 1,232 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 2,098 |
| Cost of funding earning assets | 1.7772% | 13 |
| Net interest margin | 2.7177% | 5,204 |
| Noninterest income to average assets | 0.0631% | 5,371 |
| Noninterest expense to average assets | 2.0167% | 4,766 |
| Loan and lease loss provision to assets | 0.0586% | 2,731 |
| Net operating income to assets | 0.5536% | 4,623 |
| Return on assets (ROA) | 0.5833% | 4,546 |
| Pretax return on assets | 0.5833% | 4,759 |
| Return on Equity (ROE) | 4.8533% | 4,593 |
| Retained earnings to average equity (ytd only) | 4.8533% | 3,153 |
| Net charge-offs to loans | 0.1344% | 1,117 |
| Credit loss provision to net charge-offs | 64.9819% | 2,397 |
| Earnings coverage of net charge-offs (x) | 6.7906% | 2,591 |
| Efficiency ratio | 76.7117% | 1,346 |
| Assets per employee ($millions) | 11.7886% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 1,996 |
| Loan loss allowance to noncurrent loans | 22.4279% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 4.2243% | 123 |
| Noncurrent loans to loans | 5.9682% | 90 |
| Net loans and leases to total assets | 66.4206% | 3,077 |
| Net loans and leases to deposits | 103.4845% | 553 |
| Net loans and leases to core deposits | 117.8870% | 635 |
| Total domestic deposits to total assets | 64.1841% | 5,412 |
| Equity capital to assets | 11.8322% | 1,970 |
| Core capital (leverage) ratio | 12.4882% | 1,444 |
| Tier 1 risk-based capital ratio | 16.0333% | 2,425 |
| Total risk-based capital ratio | 17.1978% | 2,393 |
| Memoranda: | ||
| Average total assets | $614,475,000 | 1,184 |
| Average earning assets | $580,127,330 | 1,158 |
| Average equity | $73,847,330 | 1,105 |
| Average total loans | $412,307,330 | 1,223 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5074% | 1,846 |
| Cost of funding earning assets | 1.6870% | 13 |
| Net interest margin | 2.8204% | 5,136 |
| Noninterest income to average assets | 0.0715% | 5,424 |
| Noninterest expense to average assets | 2.0728% | 4,717 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6619% | 4,236 |
| Return on assets (ROA) | 0.7211% | 4,032 |
| Pretax return on assets | 0.7211% | 4,381 |
| Return on Equity (ROE) | 5.9540% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.9540% | 2,728 |
| Net charge-offs to loans | -0.0291% | 4,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7965% | 1,622 |
| Assets per employee ($millions) | 11.3770% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 1,839 |
| Loan loss allowance to noncurrent loans | 23.2010% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 4.2587% | 134 |
| Noncurrent loans to loans | 6.0427% | 100 |
| Net loans and leases to total assets | 65.9220% | 3,044 |
| Net loans and leases to deposits | 104.0260% | 476 |
| Net loans and leases to core deposits | 112.3539% | 873 |
| Total domestic deposits to total assets | 63.3707% | 5,494 |
| Equity capital to assets | 12.3384% | 1,582 |
| Core capital (leverage) ratio | 12.2048% | 1,526 |
| Tier 1 risk-based capital ratio | 16.1466% | 2,410 |
| Total risk-based capital ratio | 17.3432% | 2,380 |
| Memoranda: | ||
| Average total assets | $615,209,000 | 1,192 |
| Average earning assets | $580,917,500 | 1,167 |
| Average equity | $74,505,000 | 1,103 |
| Average total loans | $412,117,500 | 1,232 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1484% | 2,890 |
| Cost of funding earning assets | 1.5078% | 23 |
| Net interest margin | 2.6406% | 5,323 |
| Noninterest income to average assets | 0.0766% | 5,469 |
| Noninterest expense to average assets | 2.0629% | 4,854 |
| Loan and lease loss provision to assets | 0.4893% | 271 |
| Net operating income to assets | 0.0142% | 5,346 |
| Return on assets (ROA) | 0.0398% | 5,326 |
| Pretax return on assets | 0.0398% | 5,416 |
| Return on Equity (ROE) | 0.3564% | 5,325 |
| Retained earnings to average equity (ytd only) | 0.3564% | 4,883 |
| Net charge-offs to loans | 0.9951% | 180 |
| Credit loss provision to net charge-offs | 74.5631% | 3,021 |
| Earnings coverage of net charge-offs (x) | 0.7672% | 3,966 |
| Efficiency ratio | 80.3823% | 1,070 |
| Assets per employee ($millions) | 12.0720% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 1,857 |
| Loan loss allowance to noncurrent loans | 21.5025% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 4.4609% | 119 |
| Noncurrent loans to loans | 6.3940% | 79 |
| Net loans and leases to total assets | 66.2328% | 3,071 |
| Net loans and leases to deposits | 102.3940% | 582 |
| Net loans and leases to core deposits | 114.6650% | 771 |
| Total domestic deposits to total assets | 64.6842% | 5,541 |
| Equity capital to assets | 11.9348% | 1,875 |
| Core capital (leverage) ratio | 12.1557% | 1,527 |
| Tier 1 risk-based capital ratio | 15.0456% | 2,834 |
| Total risk-based capital ratio | 16.2011% | 2,799 |
| Memoranda: | ||
| Average total assets | $627,845,800 | 1,147 |
| Average earning assets | $591,980,800 | 1,128 |
| Average equity | $70,139,000 | 1,133 |
| Average total loans | $414,029,200 | 1,200 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 3,062 |
| Cost of funding earning assets | 1.4773% | 22 |
| Net interest margin | 2.6001% | 5,406 |
| Noninterest income to average assets | 0.0801% | 5,530 |
| Noninterest expense to average assets | 2.1116% | 4,710 |
| Loan and lease loss provision to assets | 0.6237% | 177 |
| Net operating income to assets | -0.2049% | 5,581 |
| Return on assets (ROA) | -0.1707% | 5,576 |
| Pretax return on assets | -0.1707% | 5,571 |
| Return on Equity (ROE) | -1.5548% | 5,578 |
| Retained earnings to average equity (ytd only) | -1.5548% | 5,399 |
| Net charge-offs to loans | 1.1316% | 149 |
| Credit loss provision to net charge-offs | 83.9623% | 2,528 |
| Earnings coverage of net charge-offs (x) | 0.5638% | 3,655 |
| Efficiency ratio | 83.4508% | 800 |
| Assets per employee ($millions) | 11.6789% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 1,470 |
| Loan loss allowance to noncurrent loans | 22.1135% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 4.8485% | 112 |
| Noncurrent loans to loans | 6.8673% | 75 |
| Net loans and leases to total assets | 67.1026% | 2,970 |
| Net loans and leases to deposits | 104.4131% | 479 |
| Net loans and leases to core deposits | 122.0758% | 514 |
| Total domestic deposits to total assets | 64.2664% | 5,615 |
| Equity capital to assets | 11.3895% | 2,476 |
| Core capital (leverage) ratio | 11.0684% | 2,396 |
| Tier 1 risk-based capital ratio | 13.8866% | 3,498 |
| Total risk-based capital ratio | 15.1367% | 3,427 |
| Memoranda: | ||
| Average total assets | $627,871,000 | 1,156 |
| Average earning assets | $591,701,250 | 1,133 |
| Average equity | $68,943,750 | 1,164 |
| Average total loans | $412,144,250 | 1,215 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9719% | 3,310 |
| Cost of funding earning assets | 1.4283% | 23 |
| Net interest margin | 2.5437% | 5,473 |
| Noninterest income to average assets | 0.0826% | 5,565 |
| Noninterest expense to average assets | 2.0954% | 4,783 |
| Loan and lease loss provision to assets | 0.8905% | 108 |
| Net operating income to assets | -0.5060% | 5,682 |
| Return on assets (ROA) | -0.5010% | 5,680 |
| Pretax return on assets | -0.5010% | 5,669 |
| Return on Equity (ROE) | -4.6175% | 5,682 |
| Retained earnings to average equity (ytd only) | -4.6175% | 5,519 |
| Net charge-offs to loans | 1.7527% | 98 |
| Credit loss provision to net charge-offs | 78.3477% | 2,281 |
| Earnings coverage of net charge-offs (x) | 0.3382% | 3,386 |
| Efficiency ratio | 84.4981% | 800 |
| Assets per employee ($millions) | 12.5786% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 1,580 |
| Loan loss allowance to noncurrent loans | 20.2932% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 4.9505% | 107 |
| Noncurrent loans to loans | 7.3930% | 59 |
| Net loans and leases to total assets | 63.2925% | 3,485 |
| Net loans and leases to deposits | 96.2966% | 1,046 |
| Net loans and leases to core deposits | 112.3805% | 883 |
| Total domestic deposits to total assets | 65.7266% | 5,638 |
| Equity capital to assets | 10.8749% | 2,945 |
| Core capital (leverage) ratio | 10.5711% | 2,844 |
| Tier 1 risk-based capital ratio | 14.1066% | 3,372 |
| Total risk-based capital ratio | 15.3529% | 3,285 |
| Memoranda: | ||
| Average total assets | $634,727,000 | 1,150 |
| Average earning assets | $598,195,330 | 1,127 |
| Average equity | $68,868,670 | 1,165 |
| Average total loans | $411,592,330 | 1,218 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9177% | 3,333 |
| Cost of funding earning assets | 1.3871% | 26 |
| Net interest margin | 2.5305% | 5,522 |
| Noninterest income to average assets | 0.1029% | 5,579 |
| Noninterest expense to average assets | 1.9748% | 5,106 |
| Loan and lease loss provision to assets | 0.2152% | 749 |
| Net operating income to assets | 0.2967% | 5,202 |
| Return on assets (ROA) | 0.2967% | 5,216 |
| Pretax return on assets | 0.2967% | 5,313 |
| Return on Equity (ROE) | 2.7378% | 5,167 |
| Retained earnings to average equity (ytd only) | 2.7378% | 4,037 |
| Net charge-offs to loans | 0.3698% | 499 |
| Credit loss provision to net charge-offs | 89.3229% | 1,693 |
| Earnings coverage of net charge-offs (x) | 2.1250% | 2,638 |
| Efficiency ratio | 79.4147% | 1,439 |
| Assets per employee ($millions) | 13.0841% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6376% | 1,288 |
| Loan loss allowance to noncurrent loans | 20.2199% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 5.4584% | 95 |
| Noncurrent loans to loans | 8.0987% | 60 |
| Net loans and leases to total assets | 63.7373% | 3,308 |
| Net loans and leases to deposits | 96.3755% | 906 |
| Net loans and leases to core deposits | 111.4605% | 798 |
| Total domestic deposits to total assets | 66.1343% | 5,709 |
| Equity capital to assets | 10.9764% | 2,649 |
| Core capital (leverage) ratio | 10.8626% | 2,524 |
| Tier 1 risk-based capital ratio | 14.4463% | 3,234 |
| Total risk-based capital ratio | 15.6980% | 3,158 |
| Memoranda: | ||
| Average total assets | $637,626,500 | 1,148 |
| Average earning assets | $600,663,000 | 1,129 |
| Average equity | $69,105,500 | 1,150 |
| Average total loans | $415,325,000 | 1,207 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 3,075 |
| Cost of funding earning assets | 1.5299% | 13 |
| Net interest margin | 2.5060% | 5,584 |
| Noninterest income to average assets | 0.0533% | 5,760 |
| Noninterest expense to average assets | 1.8717% | 5,397 |
| Loan and lease loss provision to assets | 0.6151% | 209 |
| Net operating income to assets | -0.0782% | 5,679 |
| Return on assets (ROA) | -0.0577% | 5,681 |
| Pretax return on assets | -0.0577% | 5,677 |
| Return on Equity (ROE) | -0.5513% | 5,684 |
| Retained earnings to average equity (ytd only) | -1.6121% | 5,501 |
| Net charge-offs to loans | 1.2228% | 135 |
| Credit loss provision to net charge-offs | 77.3936% | 3,012 |
| Earnings coverage of net charge-offs (x) | 0.6755% | 4,084 |
| Efficiency ratio | 77.7095% | 1,735 |
| Assets per employee ($millions) | 14.4121% | 97 |
| Cash dividends to net income (ytd only)* | -192.4084% | 5,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6483% | 1,259 |
| Loan loss allowance to noncurrent loans | 21.8254% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 5.1809% | 116 |
| Noncurrent loans to loans | 7.5523% | 65 |
| Net loans and leases to total assets | 64.3983% | 3,307 |
| Net loans and leases to deposits | 97.2527% | 887 |
| Net loans and leases to core deposits | 114.6012% | 674 |
| Total domestic deposits to total assets | 66.2174% | 5,753 |
| Equity capital to assets | 10.6979% | 2,926 |
| Core capital (leverage) ratio | 10.8460% | 2,492 |
| Tier 1 risk-based capital ratio | 13.0094% | 4,072 |
| Total risk-based capital ratio | 14.2596% | 3,974 |
| Memoranda: | ||
| Average total assets | $662,341,000 | 1,070 |
| Average earning assets | $622,515,200 | 1,050 |
| Average equity | $69,289,000 | 1,135 |
| Average total loans | $430,483,000 | 1,140 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0394% | 3,076 |
| Cost of funding earning assets | 1.5903% | 12 |
| Net interest margin | 2.4491% | 5,687 |
| Noninterest income to average assets | 0.0480% | 5,843 |
| Noninterest expense to average assets | 1.8470% | 5,461 |
| Loan and lease loss provision to assets | 0.5890% | 197 |
| Net operating income to assets | -0.0864% | 5,758 |
| Return on assets (ROA) | -0.0594% | 5,762 |
| Pretax return on assets | -0.0594% | 5,753 |
| Return on Equity (ROE) | -0.5704% | 5,762 |
| Retained earnings to average equity (ytd only) | -1.9774% | 5,592 |
| Net charge-offs to loans | 1.3167% | 114 |
| Credit loss provision to net charge-offs | 68.9438% | 2,813 |
| Earnings coverage of net charge-offs (x) | 0.5883% | 3,778 |
| Efficiency ratio | 78.6114% | 1,601 |
| Assets per employee ($millions) | 14.1387% | 98 |
| Cash dividends to net income (ytd only)* | -246.6475% | 5,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6248% | 1,397 |
| Loan loss allowance to noncurrent loans | 18.1444% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 6.1296% | 98 |
| Noncurrent loans to loans | 8.9547% | 47 |
| Net loans and leases to total assets | 62.3918% | 3,602 |
| Net loans and leases to deposits | 93.7624% | 1,278 |
| Net loans and leases to core deposits | 111.8133% | 821 |
| Total domestic deposits to total assets | 66.5425% | 5,805 |
| Equity capital to assets | 10.8660% | 3,180 |
| Core capital (leverage) ratio | 10.6924% | 2,793 |
| Tier 1 risk-based capital ratio | 12.8186% | 4,266 |
| Total risk-based capital ratio | 14.0407% | 4,195 |
| Memoranda: | ||
| Average total assets | $669,393,250 | 1,061 |
| Average earning assets | $629,058,000 | 1,032 |
| Average equity | $69,651,500 | 1,139 |
| Average total loans | $434,300,250 | 1,121 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 2,585 |
| Cost of funding earning assets | 1.6701% | 6 |
| Net interest margin | 2.5044% | 5,738 |
| Noninterest income to average assets | 0.0545% | 5,909 |
| Noninterest expense to average assets | 1.6737% | 5,708 |
| Loan and lease loss provision to assets | 0.3620% | 443 |
| Net operating income to assets | 0.3714% | 5,120 |
| Return on assets (ROA) | 0.4049% | 5,100 |
| Pretax return on assets | 0.4049% | 5,335 |
| Return on Equity (ROE) | 3.9474% | 4,928 |
| Retained earnings to average equity (ytd only) | 1.8265% | 4,640 |
| Net charge-offs to loans | 1.1482% | 151 |
| Credit loss provision to net charge-offs | 48.2446% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.9775% | 3,465 |
| Efficiency ratio | 69.5315% | 3,053 |
| Assets per employee ($millions) | 14.3733% | 89 |
| Cash dividends to net income (ytd only)* | 53.7281% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6815% | 1,313 |
| Loan loss allowance to noncurrent loans | 24.4855% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 5.5346% | 117 |
| Noncurrent loans to loans | 6.8674% | 89 |
| Net loans and leases to total assets | 59.4457% | 3,955 |
| Net loans and leases to deposits | 88.9671% | 1,872 |
| Net loans and leases to core deposits | 105.1025% | 1,248 |
| Total domestic deposits to total assets | 66.8177% | 5,870 |
| Equity capital to assets | 10.9734% | 3,089 |
| Core capital (leverage) ratio | 10.6233% | 2,826 |
| Tier 1 risk-based capital ratio | 13.3775% | 3,974 |
| Total risk-based capital ratio | 14.6270% | 3,887 |
| Memoranda: | ||
| Average total assets | $675,731,000 | 1,056 |
| Average earning assets | $634,807,670 | 1,033 |
| Average equity | $69,312,000 | 1,140 |
| Average total loans | $441,571,670 | 1,107 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2860% | 2,182 |
| Cost of funding earning assets | 1.6420% | 9 |
| Net interest margin | 2.6440% | 5,674 |
| Noninterest income to average assets | 0.0486% | 5,970 |
| Noninterest expense to average assets | 1.5250% | 5,892 |
| Loan and lease loss provision to assets | 0.1171% | 1,797 |
| Net operating income to assets | 0.8913% | 2,799 |
| Return on assets (ROA) | 0.9054% | 2,852 |
| Pretax return on assets | 0.9054% | 3,825 |
| Return on Equity (ROE) | 9.1356% | 2,350 |
| Retained earnings to average equity (ytd only) | 4.7923% | 3,070 |
| Net charge-offs to loans | 0.2007% | 992 |
| Credit loss provision to net charge-offs | 86.2069% | 1,792 |
| Earnings coverage of net charge-offs (x) | 7.4224% | 2,151 |
| Efficiency ratio | 60.1942% | 4,718 |
| Assets per employee ($millions) | 17.1857% | 61 |
| Cash dividends to net income (ytd only)* | 47.5420% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8509% | 1,055 |
| Loan loss allowance to noncurrent loans | 26.0278% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 5.8140% | 124 |
| Noncurrent loans to loans | 7.1112% | 98 |
| Net loans and leases to total assets | 61.7272% | 3,560 |
| Net loans and leases to deposits | 90.1321% | 1,564 |
| Net loans and leases to core deposits | 105.6841% | 1,093 |
| Total domestic deposits to total assets | 68.4853% | 5,910 |
| Equity capital to assets | 10.1727% | 3,873 |
| Core capital (leverage) ratio | 10.4454% | 3,020 |
| Tier 1 risk-based capital ratio | 12.1598% | 4,805 |
| Total risk-based capital ratio | 13.4116% | 4,705 |
| Memoranda: | ||
| Average total assets | $683,011,000 | 1,041 |
| Average earning assets | $641,897,500 | 1,024 |
| Average equity | $67,691,500 | 1,158 |
| Average total loans | $462,477,500 | 1,039 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4320% | 1,799 |
| Cost of funding earning assets | 1.7049% | 9 |
| Net interest margin | 2.7271% | 5,620 |
| Noninterest income to average assets | 0.1458% | 5,683 |
| Noninterest expense to average assets | 1.3904% | 6,036 |
| Loan and lease loss provision to assets | 0.3963% | 349 |
| Net operating income to assets | 0.9158% | 2,783 |
| Return on assets (ROA) | 0.9399% | 2,735 |
| Pretax return on assets | 0.9399% | 3,695 |
| Return on Equity (ROE) | 8.7751% | 2,577 |
| Retained earnings to average equity (ytd only) | 0.4303% | 5,344 |
| Net charge-offs to loans | 0.3683% | 788 |
| Credit loss provision to net charge-offs | 147.1390% | 1,808 |
| Earnings coverage of net charge-offs (x) | 4.8714% | 3,475 |
| Efficiency ratio | 51.4475% | 5,668 |
| Assets per employee ($millions) | 16.6913% | 61 |
| Cash dividends to net income (ytd only)* | 95.0960% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6039% | 1,603 |
| Loan loss allowance to noncurrent loans | 39.3998% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 4.2761% | 237 |
| Noncurrent loans to loans | 4.0709% | 294 |
| Net loans and leases to total assets | 71.5537% | 2,131 |
| Net loans and leases to deposits | 106.7803% | 334 |
| Net loans and leases to core deposits | 122.2249% | 423 |
| Total domestic deposits to total assets | 67.0102% | 5,995 |
| Equity capital to assets | 10.4483% | 3,426 |
| Core capital (leverage) ratio | 11.0847% | 2,323 |
| Tier 1 risk-based capital ratio | 12.1325% | 4,864 |
| Total risk-based capital ratio | 13.3830% | 4,770 |
| Memoranda: | ||
| Average total assets | $681,259,400 | 1,011 |
| Average earning assets | $638,698,000 | 992 |
| Average equity | $72,968,000 | 1,047 |
| Average total loans | $498,299,600 | 940 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4490% | 1,759 |
| Cost of funding earning assets | 1.7112% | 10 |
| Net interest margin | 2.7378% | 5,683 |
| Noninterest income to average assets | 0.0539% | 6,082 |
| Noninterest expense to average assets | 1.3919% | 6,106 |
| Loan and lease loss provision to assets | 0.1176% | 1,934 |
| Net operating income to assets | 1.1105% | 1,958 |
| Return on assets (ROA) | 1.1105% | 2,037 |
| Pretax return on assets | 1.1105% | 3,174 |
| Return on Equity (ROE) | 10.3050% | 1,972 |
| Retained earnings to average equity (ytd only) | 2.0381% | 4,857 |
| Net charge-offs to loans | -0.0099% | 4,983 |
| Credit loss provision to net charge-offs | -1,621.6216% | 5,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1259% | 5,576 |
| Assets per employee ($millions) | 15.6293% | 72 |
| Cash dividends to net income (ytd only)* | 80.2224% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5573% | 1,941 |
| Loan loss allowance to noncurrent loans | 32.3717% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 4.7704% | 215 |
| Noncurrent loans to loans | 4.8108% | 224 |
| Net loans and leases to total assets | 72.9318% | 1,916 |
| Net loans and leases to deposits | 108.9468% | 278 |
| Net loans and leases to core deposits | 128.0230% | 309 |
| Total domestic deposits to total assets | 66.9426% | 6,070 |
| Equity capital to assets | 11.1359% | 2,870 |
| Core capital (leverage) ratio | 11.1856% | 2,318 |
| Tier 1 risk-based capital ratio | 12.4240% | 4,810 |
| Total risk-based capital ratio | 13.6742% | 4,719 |
| Memoranda: | ||
| Average total assets | $680,488,750 | 1,019 |
| Average earning assets | $637,823,500 | 1,002 |
| Average equity | $73,334,500 | 1,044 |
| Average total loans | $498,461,000 | 943 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4639% | 1,644 |
| Cost of funding earning assets | 1.7098% | 11 |
| Net interest margin | 2.7541% | 5,701 |
| Noninterest income to average assets | 0.0506% | 6,173 |
| Noninterest expense to average assets | 1.4105% | 6,164 |
| Loan and lease loss provision to assets | 0.1463% | 1,470 |
| Net operating income to assets | 1.0745% | 2,035 |
| Return on assets (ROA) | 1.0745% | 2,140 |
| Pretax return on assets | 1.0745% | 3,279 |
| Return on Equity (ROE) | 10.0806% | 2,034 |
| Retained earnings to average equity (ytd only) | 1.2851% | 5,040 |
| Net charge-offs to loans | -0.1163% | 5,840 |
| Credit loss provision to net charge-offs | -172.4138% | 5,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6040% | 5,616 |
| Assets per employee ($millions) | 15.3576% | 73 |
| Cash dividends to net income (ytd only)* | 87.2514% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 1,987 |
| Loan loss allowance to noncurrent loans | 33.7632% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 4.5895% | 257 |
| Noncurrent loans to loans | 4.6671% | 281 |
| Net loans and leases to total assets | 71.4635% | 2,075 |
| Net loans and leases to deposits | 104.1840% | 440 |
| Net loans and leases to core deposits | 122.3545% | 408 |
| Total domestic deposits to total assets | 68.5935% | 6,095 |
| Equity capital to assets | 10.1651% | 3,843 |
| Core capital (leverage) ratio | 10.9889% | 2,431 |
| Tier 1 risk-based capital ratio | 11.7853% | 5,290 |
| Total risk-based capital ratio | 13.0230% | 5,204 |
| Memoranda: | ||
| Average total assets | $683,298,670 | 1,022 |
| Average earning assets | $640,291,330 | 997 |
| Average equity | $72,832,670 | 1,059 |
| Average total loans | $498,648,330 | 941 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5661% | 1,298 |
| Cost of funding earning assets | 1.7151% | 12 |
| Net interest margin | 2.8510% | 5,546 |
| Noninterest income to average assets | 0.0624% | 6,197 |
| Noninterest expense to average assets | 1.3106% | 6,278 |
| Loan and lease loss provision to assets | 0.1766% | 1,097 |
| Net operating income to assets | 1.2440% | 1,422 |
| Return on assets (ROA) | 1.2440% | 1,508 |
| Pretax return on assets | 1.2440% | 2,497 |
| Return on Equity (ROE) | 11.4025% | 1,517 |
| Retained earnings to average equity (ytd only) | 2.6280% | 4,369 |
| Net charge-offs to loans | -0.2454% | 6,099 |
| Credit loss provision to net charge-offs | -98.3607% | 4,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9845% | 6,019 |
| Assets per employee ($millions) | 15.1668% | 75 |
| Cash dividends to net income (ytd only)* | 76.9522% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 2,245 |
| Loan loss allowance to noncurrent loans | 26.5406% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 5.5032% | 204 |
| Noncurrent loans to loans | 5.8283% | 191 |
| Net loans and leases to total assets | 72.0112% | 1,800 |
| Net loans and leases to deposits | 106.4978% | 296 |
| Net loans and leases to core deposits | 127.4534% | 279 |
| Total domestic deposits to total assets | 67.6175% | 6,212 |
| Equity capital to assets | 10.8887% | 3,102 |
| Core capital (leverage) ratio | 11.1214% | 2,295 |
| Tier 1 risk-based capital ratio | 11.3126% | 5,655 |
| Total risk-based capital ratio | 12.4726% | 5,618 |
| Memoranda: | ||
| Average total assets | $679,401,500 | 1,028 |
| Average earning assets | $635,984,500 | 1,007 |
| Average equity | $74,124,000 | 1,040 |
| Average total loans | $497,079,500 | 944 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4865% | 1,927 |
| Cost of funding earning assets | 1.8762% | 11 |
| Net interest margin | 2.6103% | 6,053 |
| Noninterest income to average assets | 0.3108% | 4,898 |
| Noninterest expense to average assets | 1.5096% | 6,291 |
| Loan and lease loss provision to assets | 0.0457% | 3,660 |
| Net operating income to assets | 1.1884% | 1,620 |
| Return on assets (ROA) | 1.1884% | 1,692 |
| Pretax return on assets | 1.1884% | 2,698 |
| Return on Equity (ROE) | 10.8609% | 1,761 |
| Retained earnings to average equity (ytd only) | 6.8630% | 1,466 |
| Net charge-offs to loans | 0.0668% | 3,527 |
| Credit loss provision to net charge-offs | 104.1667% | 2,298 |
| Earnings coverage of net charge-offs (x) | 28.1424% | 1,406 |
| Efficiency ratio | 55.0222% | 5,762 |
| Assets per employee ($millions) | 13.0786% | 112 |
| Cash dividends to net income (ytd only)* | 36.8097% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 2,604 |
| Loan loss allowance to noncurrent loans | 37.2427% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 4.4715% | 349 |
| Noncurrent loans to loans | 3.9495% | 476 |
| Net loans and leases to total assets | 72.1873% | 1,879 |
| Net loans and leases to deposits | 107.7048% | 303 |
| Net loans and leases to core deposits | 129.4282% | 255 |
| Total domestic deposits to total assets | 67.0233% | 6,297 |
| Equity capital to assets | 11.4288% | 2,493 |
| Core capital (leverage) ratio | 11.7561% | 1,790 |
| Tier 1 risk-based capital ratio | 12.8905% | 4,802 |
| Total risk-based capital ratio | 14.0923% | 4,740 |
| Memoranda: | ||
| Average total assets | $656,793,000 | 1,020 |
| Average earning assets | $612,145,400 | 1,003 |
| Average equity | $71,863,200 | 1,020 |
| Average total loans | $431,146,400 | 1,021 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5177% | 1,809 |
| Cost of funding earning assets | 1.9001% | 10 |
| Net interest margin | 2.6176% | 6,111 |
| Noninterest income to average assets | 0.3357% | 4,756 |
| Noninterest expense to average assets | 1.5800% | 6,306 |
| Loan and lease loss provision to assets | 0.0614% | 3,130 |
| Net operating income to assets | 1.1333% | 1,921 |
| Return on assets (ROA) | 1.1333% | 1,986 |
| Pretax return on assets | 1.1333% | 3,054 |
| Return on Equity (ROE) | 10.4793% | 2,013 |
| Retained earnings to average equity (ytd only) | 5.0379% | 3,055 |
| Net charge-offs to loans | 0.0148% | 4,260 |
| Credit loss provision to net charge-offs | 652.1739% | 455 |
| Earnings coverage of net charge-offs (x) | 126.8081% | 474 |
| Efficiency ratio | 56.9425% | 5,565 |
| Assets per employee ($millions) | 12.0534% | 137 |
| Cash dividends to net income (ytd only)* | 51.9248% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7088% | 1,941 |
| Loan loss allowance to noncurrent loans | 48.4141% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 3.9705% | 503 |
| Noncurrent loans to loans | 3.5296% | 672 |
| Net loans and leases to total assets | 65.6893% | 2,916 |
| Net loans and leases to deposits | 98.5113% | 699 |
| Net loans and leases to core deposits | 121.1376% | 372 |
| Total domestic deposits to total assets | 66.6820% | 6,388 |
| Equity capital to assets | 11.1550% | 2,807 |
| Core capital (leverage) ratio | 11.6559% | 1,935 |
| Tier 1 risk-based capital ratio | 13.9497% | 4,252 |
| Total risk-based capital ratio | 15.2014% | 4,193 |
| Memoranda: | ||
| Average total assets | $650,969,000 | 1,037 |
| Average earning assets | $606,544,250 | 1,023 |
| Average equity | $70,397,500 | 1,045 |
| Average total loans | $414,366,250 | 1,061 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5088% | 1,802 |
| Cost of funding earning assets | 1.9286% | 8 |
| Net interest margin | 2.5803% | 6,197 |
| Noninterest income to average assets | 0.2992% | 5,014 |
| Noninterest expense to average assets | 1.5843% | 6,372 |
| Loan and lease loss provision to assets | 0.0927% | 2,480 |
| Net operating income to assets | 1.0248% | 2,223 |
| Return on assets (ROA) | 1.0248% | 2,289 |
| Pretax return on assets | 1.0248% | 3,379 |
| Return on Equity (ROE) | 9.5791% | 2,336 |
| Retained earnings to average equity (ytd only) | 5.9497% | 2,351 |
| Net charge-offs to loans | 0.0296% | 3,603 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 60.2500% | 804 |
| Efficiency ratio | 58.6384% | 5,477 |
| Assets per employee ($millions) | 11.9357% | 139 |
| Cash dividends to net income (ytd only)* | 37.8884% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8241% | 1,781 |
| Loan loss allowance to noncurrent loans | 69.9852% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 3.2643% | 747 |
| Noncurrent loans to loans | 2.6065% | 1,174 |
| Net loans and leases to total assets | 61.9562% | 3,417 |
| Net loans and leases to deposits | 93.3780% | 1,018 |
| Net loans and leases to core deposits | 118.1972% | 416 |
| Total domestic deposits to total assets | 66.3499% | 6,473 |
| Equity capital to assets | 11.3080% | 2,601 |
| Core capital (leverage) ratio | 11.6310% | 1,896 |
| Tier 1 risk-based capital ratio | 14.1014% | 4,195 |
| Total risk-based capital ratio | 15.3533% | 4,125 |
| Memoranda: | ||
| Average total assets | $646,979,000 | 1,046 |
| Average earning assets | $602,419,000 | 1,029 |
| Average equity | $69,213,000 | 1,055 |
| Average total loans | $404,804,670 | 1,079 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4605% | 1,933 |
| Cost of funding earning assets | 1.9505% | 9 |
| Net interest margin | 2.5100% | 6,326 |
| Noninterest income to average assets | 0.2211% | 5,587 |
| Noninterest expense to average assets | 1.5751% | 6,449 |
| Loan and lease loss provision to assets | 0.1868% | 1,277 |
| Net operating income to assets | 0.7922% | 3,190 |
| Return on assets (ROA) | 0.7922% | 3,264 |
| Pretax return on assets | 0.7922% | 4,142 |
| Return on Equity (ROE) | 7.6278% | 3,132 |
| Retained earnings to average equity (ytd only) | 7.6278% | 1,760 |
| Net charge-offs to loans | -0.0040% | 4,781 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6679% | 5,178 |
| Assets per employee ($millions) | 11.6505% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8681% | 1,848 |
| Loan loss allowance to noncurrent loans | 37.0131% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 4.7889% | 444 |
| Noncurrent loans to loans | 5.0471% | 437 |
| Net loans and leases to total assets | 61.3608% | 3,336 |
| Net loans and leases to deposits | 91.7814% | 973 |
| Net loans and leases to core deposits | 118.9156% | 344 |
| Total domestic deposits to total assets | 66.8554% | 6,541 |
| Equity capital to assets | 10.7186% | 3,016 |
| Core capital (leverage) ratio | 11.6972% | 1,832 |
| Tier 1 risk-based capital ratio | 14.2671% | 4,154 |
| Total risk-based capital ratio | 15.5196% | 4,100 |
| Memoranda: | ||
| Average total assets | $642,237,500 | 1,061 |
| Average earning assets | $596,979,500 | 1,050 |
| Average equity | $66,703,000 | 1,098 |
| Average total loans | $400,069,000 | 1,097 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9083% | 1,081 |
| Cost of funding earning assets | 2.1405% | 7 |
| Net interest margin | 2.7678% | 6,032 |
| Noninterest income to average assets | 0.4364% | 4,185 |
| Noninterest expense to average assets | 1.7824% | 6,350 |
| Loan and lease loss provision to assets | 0.8336% | 248 |
| Net operating income to assets | 0.3785% | 5,227 |
| Return on assets (ROA) | 0.3785% | 5,342 |
| Pretax return on assets | 0.3785% | 5,544 |
| Return on Equity (ROE) | 3.4677% | 5,336 |
| Retained earnings to average equity (ytd only) | -6.8068% | 6,452 |
| Net charge-offs to loans | 1.0160% | 566 |
| Credit loss provision to net charge-offs | 120.9291% | 1,971 |
| Earnings coverage of net charge-offs (x) | 1.7584% | 4,459 |
| Efficiency ratio | 59.5226% | 5,537 |
| Assets per employee ($millions) | 11.4918% | 153 |
| Cash dividends to net income (ytd only)* | 296.2931% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8657% | 1,868 |
| Loan loss allowance to noncurrent loans | 61.1585% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 3.5945% | 794 |
| Noncurrent loans to loans | 3.0506% | 1,134 |
| Net loans and leases to total assets | 60.8918% | 3,561 |
| Net loans and leases to deposits | 91.1018% | 1,149 |
| Net loans and leases to core deposits | 120.1134% | 327 |
| Total domestic deposits to total assets | 66.8393% | 6,615 |
| Equity capital to assets | 10.0427% | 3,707 |
| Core capital (leverage) ratio | 11.6632% | 1,850 |
| Tier 1 risk-based capital ratio | 14.6305% | 3,882 |
| Total risk-based capital ratio | 15.8829% | 3,828 |
| Memoranda: | ||
| Average total assets | $605,827,000 | 1,095 |
| Average earning assets | $559,910,200 | 1,084 |
| Average equity | $66,124,600 | 1,086 |
| Average total loans | $411,007,400 | 1,036 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0082% | 927 |
| Cost of funding earning assets | 2.1673% | 6 |
| Net interest margin | 2.8409% | 5,941 |
| Noninterest income to average assets | 0.5095% | 3,740 |
| Noninterest expense to average assets | 1.7877% | 6,358 |
| Loan and lease loss provision to assets | 0.3226% | 1,035 |
| Net operating income to assets | 1.0217% | 2,292 |
| Return on assets (ROA) | 1.0217% | 2,377 |
| Pretax return on assets | 1.0217% | 3,412 |
| Return on Equity (ROE) | 9.1672% | 2,562 |
| Retained earnings to average equity (ytd only) | 1.5931% | 5,336 |
| Net charge-offs to loans | 0.3243% | 1,919 |
| Credit loss provision to net charge-offs | 143.4224% | 1,640 |
| Earnings coverage of net charge-offs (x) | 5.9762% | 3,060 |
| Efficiency ratio | 57.0789% | 5,791 |
| Assets per employee ($millions) | 11.0843% | 170 |
| Cash dividends to net income (ytd only)* | 82.6220% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7538% | 2,443 |
| Loan loss allowance to noncurrent loans | 32.6657% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 5.6252% | 454 |
| Noncurrent loans to loans | 5.3690% | 522 |
| Net loans and leases to total assets | 62.1086% | 3,337 |
| Net loans and leases to deposits | 95.9144% | 694 |
| Net loans and leases to core deposits | 126.0733% | 240 |
| Total domestic deposits to total assets | 64.7543% | 6,731 |
| Equity capital to assets | 11.6271% | 2,192 |
| Core capital (leverage) ratio | 13.1078% | 1,162 |
| Tier 1 risk-based capital ratio | 15.7297% | 3,332 |
| Total risk-based capital ratio | 16.9812% | 3,289 |
| Memoranda: | ||
| Average total assets | $599,271,500 | 1,120 |
| Average earning assets | $553,182,500 | 1,107 |
| Average equity | $66,787,000 | 1,086 |
| Average total loans | $415,713,500 | 1,027 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0214% | 885 |
| Cost of funding earning assets | 2.2046% | 5 |
| Net interest margin | 2.8168% | 5,969 |
| Noninterest income to average assets | 0.5283% | 3,646 |
| Noninterest expense to average assets | 1.8111% | 6,357 |
| Loan and lease loss provision to assets | 0.3040% | 1,182 |
| Net operating income to assets | 1.0150% | 2,267 |
| Return on assets (ROA) | 1.0150% | 2,395 |
| Pretax return on assets | 1.0150% | 3,438 |
| Return on Equity (ROE) | 9.2473% | 2,519 |
| Retained earnings to average equity (ytd only) | 9.2473% | 1,047 |
| Net charge-offs to loans | 0.1091% | 3,266 |
| Credit loss provision to net charge-offs | 389.6104% | 673 |
| Earnings coverage of net charge-offs (x) | 16.9048% | 1,634 |
| Efficiency ratio | 57.8612% | 5,753 |
| Assets per employee ($millions) | 11.2262% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6967% | 2,788 |
| Loan loss allowance to noncurrent loans | 36.1162% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 4.1426% | 825 |
| Noncurrent loans to loans | 4.6979% | 722 |
| Net loans and leases to total assets | 67.9713% | 2,239 |
| Net loans and leases to deposits | 107.7274% | 187 |
| Net loans and leases to core deposits | 145.8786% | 107 |
| Total domestic deposits to total assets | 63.0957% | 6,814 |
| Equity capital to assets | 12.7613% | 1,435 |
| Core capital (leverage) ratio | 13.5691% | 950 |
| Tier 1 risk-based capital ratio | 16.8099% | 2,785 |
| Total risk-based capital ratio | 18.0625% | 2,756 |
| Memoranda: | ||
| Average total assets | $592,121,330 | 1,135 |
| Average earning assets | $546,940,000 | 1,116 |
| Average equity | $64,992,000 | 1,112 |
| Average total loans | $423,483,330 | 1,006 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0060% | 878 |
| Cost of funding earning assets | 2.2343% | 5 |
| Net interest margin | 2.7717% | 6,085 |
| Noninterest income to average assets | 0.5996% | 3,140 |
| Noninterest expense to average assets | 1.8343% | 6,392 |
| Loan and lease loss provision to assets | 0.2051% | 1,810 |
| Net operating income to assets | 1.1199% | 1,778 |
| Return on assets (ROA) | 1.1199% | 1,891 |
| Pretax return on assets | 1.1199% | 2,882 |
| Return on Equity (ROE) | 11.1414% | 1,667 |
| Retained earnings to average equity (ytd only) | 11.1414% | 846 |
| Net charge-offs to loans | 0.0038% | 4,091 |
| Credit loss provision to net charge-offs | 7,500.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 484.5000% | 67 |
| Efficiency ratio | 58.0610% | 5,842 |
| Assets per employee ($millions) | 10.7945% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5667% | 3,540 |
| Loan loss allowance to noncurrent loans | 43.6464% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 3.7401% | 1,106 |
| Noncurrent loans to loans | 3.5896% | 1,329 |
| Net loans and leases to total assets | 71.3152% | 1,474 |
| Net loans and leases to deposits | 109.1457% | 139 |
| Net loans and leases to core deposits | 151.0246% | 89 |
| Total domestic deposits to total assets | 65.3394% | 6,859 |
| Equity capital to assets | 10.0289% | 4,114 |
| Core capital (leverage) ratio | 10.1770% | 3,174 |
| Tier 1 risk-based capital ratio | 12.1687% | 5,808 |
| Total risk-based capital ratio | 13.4201% | 5,767 |
| Memoranda: | ||
| Average total assets | $585,074,000 | 1,158 |
| Average earning assets | $540,314,000 | 1,146 |
| Average equity | $58,807,500 | 1,245 |
| Average total loans | $425,642,500 | 1,003 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2101% | 1,098 |
| Cost of funding earning assets | 2.3757% | 10 |
| Net interest margin | 2.8345% | 6,341 |
| Noninterest income to average assets | 0.8749% | 1,945 |
| Noninterest expense to average assets | 2.7223% | 4,321 |
| Loan and lease loss provision to assets | 0.8708% | 527 |
| Net operating income to assets | -0.0491% | 6,239 |
| Return on assets (ROA) | 0.1725% | 6,009 |
| Pretax return on assets | 0.1725% | 6,034 |
| Return on Equity (ROE) | 1.6812% | 5,984 |
| Retained earnings to average equity (ytd only) | -2.6251% | 6,232 |
| Net charge-offs to loans | 1.2057% | 834 |
| Credit loss provision to net charge-offs | 107.2937% | 2,760 |
| Earnings coverage of net charge-offs (x) | 1.0124% | 4,964 |
| Efficiency ratio | 76.8149% | 2,623 |
| Assets per employee ($millions) | 11.0856% | 174 |
| Cash dividends to net income (ytd only)* | 256.1475% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 3,620 |
| Loan loss allowance to noncurrent loans | 54.0475% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 3.2664% | 1,412 |
| Noncurrent loans to loans | 2.8306% | 1,861 |
| Net loans and leases to total assets | 71.9414% | 1,499 |
| Net loans and leases to deposits | 111.3870% | 140 |
| Net loans and leases to core deposits | 161.1909% | 75 |
| Total domestic deposits to total assets | 64.5869% | 6,926 |
| Equity capital to assets | 10.0744% | 4,070 |
| Core capital (leverage) ratio | 10.0289% | 3,359 |
| Tier 1 risk-based capital ratio | 11.6230% | 6,019 |
| Total risk-based capital ratio | 12.8739% | 5,979 |
| Memoranda: | ||
| Average total assets | $565,917,200 | 1,174 |
| Average earning assets | $532,904,400 | 1,131 |
| Average equity | $58,055,200 | 1,223 |
| Average total loans | $380,940,000 | 1,097 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1950% | 1,207 |
| Cost of funding earning assets | 2.3943% | 8 |
| Net interest margin | 2.8007% | 6,499 |
| Noninterest income to average assets | 0.8547% | 2,005 |
| Noninterest expense to average assets | 2.8932% | 3,625 |
| Loan and lease loss provision to assets | 0.9771% | 423 |
| Net operating income to assets | -0.3683% | 6,631 |
| Return on assets (ROA) | -0.3004% | 6,628 |
| Pretax return on assets | -0.3004% | 6,598 |
| Return on Equity (ROE) | -2.9146% | 6,620 |
| Retained earnings to average equity (ytd only) | -8.6566% | 6,771 |
| Net charge-offs to loans | 1.6357% | 509 |
| Credit loss provision to net charge-offs | 90.7253% | 3,272 |
| Earnings coverage of net charge-offs (x) | 0.5653% | 5,038 |
| Efficiency ratio | 82.6157% | 1,742 |
| Assets per employee ($millions) | 11.1513% | 172 |
| Cash dividends to net income (ytd only)* | -197.0052% | 7,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 4,419 |
| Loan loss allowance to noncurrent loans | 47.0073% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 3.4648% | 1,449 |
| Noncurrent loans to loans | 2.9581% | 1,891 |
| Net loans and leases to total assets | 69.5388% | 2,003 |
| Net loans and leases to deposits | 106.2535% | 229 |
| Net loans and leases to core deposits | 159.1477% | 80 |
| Total domestic deposits to total assets | 65.4461% | 6,989 |
| Equity capital to assets | 9.2710% | 5,507 |
| Core capital (leverage) ratio | 9.1633% | 4,812 |
| Tier 1 risk-based capital ratio | 11.3943% | 6,300 |
| Total risk-based capital ratio | 12.6417% | 6,261 |
| Memoranda: | ||
| Average total assets | $563,283,750 | 1,193 |
| Average earning assets | $532,418,500 | 1,149 |
| Average equity | $58,050,500 | 1,226 |
| Average total loans | $370,887,500 | 1,139 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1778% | 1,319 |
| Cost of funding earning assets | 2.4108% | 10 |
| Net interest margin | 2.7670% | 6,627 |
| Noninterest income to average assets | 0.7846% | 2,268 |
| Noninterest expense to average assets | 2.0224% | 6,389 |
| Loan and lease loss provision to assets | 0.2151% | 2,921 |
| Net operating income to assets | 1.1736% | 1,806 |
| Return on assets (ROA) | 1.1736% | 2,009 |
| Pretax return on assets | 1.1736% | 3,039 |
| Return on Equity (ROE) | 11.0052% | 1,992 |
| Retained earnings to average equity (ytd only) | 2.5991% | 4,887 |
| Net charge-offs to loans | 0.0659% | 4,507 |
| Credit loss provision to net charge-offs | 508.4746% | 592 |
| Earnings coverage of net charge-offs (x) | 32.8220% | 1,014 |
| Efficiency ratio | 59.2873% | 5,695 |
| Assets per employee ($millions) | 11.4777% | 161 |
| Cash dividends to net income (ytd only)* | 76.3825% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7221% | 3,139 |
| Loan loss allowance to noncurrent loans | 46.0581% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 3.9667% | 1,295 |
| Noncurrent loans to loans | 3.7390% | 1,510 |
| Net loans and leases to total assets | 66.8691% | 2,490 |
| Net loans and leases to deposits | 105.1564% | 253 |
| Net loans and leases to core deposits | 167.4011% | 76 |
| Total domestic deposits to total assets | 63.5901% | 7,094 |
| Equity capital to assets | 10.4003% | 3,814 |
| Core capital (leverage) ratio | 10.2099% | 3,131 |
| Tier 1 risk-based capital ratio | 13.4194% | 4,894 |
| Total risk-based capital ratio | 14.6732% | 4,841 |
| Memoranda: | ||
| Average total assets | $557,756,670 | 1,212 |
| Average earning assets | $529,447,670 | 1,157 |
| Average equity | $59,481,000 | 1,198 |
| Average total loans | $358,211,000 | 1,169 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3366% | 1,031 |
| Cost of funding earning assets | 2.4383% | 11 |
| Net interest margin | 2.8983% | 6,492 |
| Noninterest income to average assets | 0.9002% | 1,745 |
| Noninterest expense to average assets | 2.0467% | 6,381 |
| Loan and lease loss provision to assets | 0.2160% | 2,780 |
| Net operating income to assets | 1.3913% | 1,237 |
| Return on assets (ROA) | 1.3913% | 1,383 |
| Pretax return on assets | 1.3913% | 2,216 |
| Return on Equity (ROE) | 12.8853% | 1,438 |
| Retained earnings to average equity (ytd only) | 12.8853% | 702 |
| Net charge-offs to loans | 0.0705% | 3,787 |
| Credit loss provision to net charge-offs | 491.8033% | 661 |
| Earnings coverage of net charge-offs (x) | 36.5902% | 803 |
| Efficiency ratio | 56.0110% | 6,120 |
| Assets per employee ($millions) | 10.6258% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7961% | 3,008 |
| Loan loss allowance to noncurrent loans | 34.8447% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 4.6556% | 1,137 |
| Noncurrent loans to loans | 5.1545% | 1,069 |
| Net loans and leases to total assets | 61.6315% | 3,332 |
| Net loans and leases to deposits | 97.0843% | 476 |
| Net loans and leases to core deposits | 159.8894% | 89 |
| Total domestic deposits to total assets | 63.4824% | 7,150 |
| Equity capital to assets | 10.5864% | 3,389 |
| Core capital (leverage) ratio | 10.5343% | 2,714 |
| Tier 1 risk-based capital ratio | 14.5829% | 4,035 |
| Total risk-based capital ratio | 15.8373% | 3,993 |
| Memoranda: | ||
| Average total assets | $555,432,500 | 1,221 |
| Average earning assets | $527,753,000 | 1,161 |
| Average equity | $59,975,500 | 1,186 |
| Average total loans | $345,984,000 | 1,216 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4574% | 1,274 |
| Cost of funding earning assets | 2.6975% | 15 |
| Net interest margin | 2.7599% | 6,872 |
| Noninterest income to average assets | 0.6027% | 3,150 |
| Noninterest expense to average assets | 2.4107% | 5,743 |
| Loan and lease loss provision to assets | 0.3021% | 3,253 |
| Net operating income to assets | 0.5181% | 4,350 |
| Return on assets (ROA) | 1.6919% | 593 |
| Pretax return on assets | 1.6919% | 1,000 |
| Return on Equity (ROE) | 15.8575% | 623 |
| Retained earnings to average equity (ytd only) | 6.9209% | 1,538 |
| Net charge-offs to loans | 0.0726% | 5,590 |
| Credit loss provision to net charge-offs | 723.9819% | 299 |
| Earnings coverage of net charge-offs (x) | 19.6561% | 1,162 |
| Efficiency ratio | 74.6143% | 3,121 |
| Assets per employee ($millions) | 10.7392% | 193 |
| Cash dividends to net income (ytd only)* | 56.3553% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8043% | 2,856 |
| Loan loss allowance to noncurrent loans | 39.7553% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 4.0785% | 1,406 |
| Noncurrent loans to loans | 4.5384% | 1,312 |
| Net loans and leases to total assets | 60.6948% | 3,848 |
| Net loans and leases to deposits | 97.3785% | 596 |
| Net loans and leases to core deposits | 169.4554% | 92 |
| Total domestic deposits to total assets | 62.3287% | 7,202 |
| Equity capital to assets | 11.0156% | 2,965 |
| Core capital (leverage) ratio | 10.2196% | 3,066 |
| Tier 1 risk-based capital ratio | 15.3100% | 3,448 |
| Total risk-based capital ratio | 16.5680% | 3,397 |
| Memoranda: | ||
| Average total assets | $529,630,600 | 1,261 |
| Average earning assets | $504,364,200 | 1,199 |
| Average equity | $56,509,600 | 1,202 |
| Average total loans | $304,270,200 | 1,396 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5104% | 1,226 |
| Cost of funding earning assets | 2.7367% | 16 |
| Net interest margin | 2.7737% | 6,917 |
| Noninterest income to average assets | 0.5594% | 3,454 |
| Noninterest expense to average assets | 2.2476% | 6,173 |
| Loan and lease loss provision to assets | 0.3936% | 2,496 |
| Net operating income to assets | 0.5601% | 4,273 |
| Return on assets (ROA) | 2.1387% | 294 |
| Pretax return on assets | 2.1387% | 479 |
| Return on Equity (ROE) | 20.2153% | 295 |
| Retained earnings to average equity (ytd only) | 8.0952% | 1,477 |
| Net charge-offs to loans | 0.1069% | 4,934 |
| Credit loss provision to net charge-offs | 654.0084% | 415 |
| Earnings coverage of net charge-offs (x) | 15.8482% | 1,436 |
| Efficiency ratio | 70.2094% | 3,924 |
| Assets per employee ($millions) | 10.6832% | 205 |
| Cash dividends to net income (ytd only)* | 59.9549% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8019% | 2,941 |
| Loan loss allowance to noncurrent loans | 40.0238% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 4.1458% | 1,475 |
| Noncurrent loans to loans | 4.5020% | 1,434 |
| Net loans and leases to total assets | 60.4356% | 4,053 |
| Net loans and leases to deposits | 97.7393% | 589 |
| Net loans and leases to core deposits | 158.6775% | 114 |
| Total domestic deposits to total assets | 61.8335% | 7,280 |
| Equity capital to assets | 11.2822% | 2,883 |
| Core capital (leverage) ratio | 10.2263% | 3,164 |
| Tier 1 risk-based capital ratio | 14.6148% | 3,893 |
| Total risk-based capital ratio | 15.8692% | 3,866 |
| Memoranda: | ||
| Average total assets | $525,113,750 | 1,277 |
| Average earning assets | $500,154,500 | 1,217 |
| Average equity | $55,554,000 | 1,221 |
| Average total loans | $295,704,750 | 1,453 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6907% | 889 |
| Cost of funding earning assets | 2.7512% | 18 |
| Net interest margin | 2.9395% | 6,715 |
| Noninterest income to average assets | 0.5215% | 3,693 |
| Noninterest expense to average assets | 2.2066% | 6,369 |
| Loan and lease loss provision to assets | 0.5400% | 1,805 |
| Net operating income to assets | 0.5755% | 4,184 |
| Return on assets (ROA) | 2.9734% | 106 |
| Pretax return on assets | 2.9734% | 144 |
| Return on Equity (ROE) | 28.7746% | 80 |
| Retained earnings to average equity (ytd only) | 9.9250% | 859 |
| Net charge-offs to loans | 0.0602% | 5,050 |
| Credit loss provision to net charge-offs | 1,647.0588% | 210 |
| Earnings coverage of net charge-offs (x) | 34.0235% | 843 |
| Efficiency ratio | 66.4228% | 4,793 |
| Assets per employee ($millions) | 10.8631% | 192 |
| Cash dividends to net income (ytd only)* | 65.5078% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9440% | 2,528 |
| Loan loss allowance to noncurrent loans | 35.3388% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 4.6054% | 1,358 |
| Noncurrent loans to loans | 5.5012% | 1,149 |
| Net loans and leases to total assets | 57.2719% | 4,774 |
| Net loans and leases to deposits | 92.9739% | 951 |
| Net loans and leases to core deposits | 177.4543% | 90 |
| Total domestic deposits to total assets | 61.6000% | 7,354 |
| Equity capital to assets | 10.8660% | 3,106 |
| Core capital (leverage) ratio | 10.1837% | 3,046 |
| Tier 1 risk-based capital ratio | 15.2748% | 3,361 |
| Total risk-based capital ratio | 16.5307% | 3,314 |
| Memoranda: | ||
| Average total assets | $518,538,000 | 1,298 |
| Average earning assets | $494,035,670 | 1,235 |
| Average equity | $53,582,000 | 1,256 |
| Average total loans | $282,499,670 | 1,539 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6960% | 886 |
| Cost of funding earning assets | 2.7665% | 18 |
| Net interest margin | 2.9295% | 6,706 |
| Noninterest income to average assets | 0.4370% | 4,392 |
| Noninterest expense to average assets | 1.8567% | 7,062 |
| Loan and lease loss provision to assets | 0.3518% | 2,445 |
| Net operating income to assets | 1.0241% | 2,094 |
| Return on assets (ROA) | 4.2857% | 66 |
| Pretax return on assets | 4.2857% | 94 |
| Return on Equity (ROE) | 42.6171% | 42 |
| Retained earnings to average equity (ytd only) | 39.1188% | 36 |
| Net charge-offs to loans | -0.0045% | 6,230 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4365% | 6,333 |
| Assets per employee ($millions) | 10.9889% | 194 |
| Cash dividends to net income (ytd only)* | 8.2087% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 2,624 |
| Loan loss allowance to noncurrent loans | 29.6759% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 4.4190% | 1,475 |
| Noncurrent loans to loans | 6.4699% | 926 |
| Net loans and leases to total assets | 51.2533% | 5,677 |
| Net loans and leases to deposits | 83.4759% | 2,107 |
| Net loans and leases to core deposits | 170.3149% | 109 |
| Total domestic deposits to total assets | 61.3989% | 7,414 |
| Equity capital to assets | 10.2821% | 3,432 |
| Core capital (leverage) ratio | 10.3147% | 2,788 |
| Tier 1 risk-based capital ratio | 15.3433% | 3,238 |
| Total risk-based capital ratio | 16.5966% | 3,200 |
| Memoranda: | ||
| Average total assets | $511,661,000 | 1,319 |
| Average earning assets | $488,268,500 | 1,260 |
| Average equity | $51,453,500 | 1,297 |
| Average total loans | $268,300,500 | 1,627 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8683% | 176 |
| Cost of funding earning assets | 2.9580% | 28 |
| Net interest margin | 3.9103% | 3,437 |
| Noninterest income to average assets | 0.4010% | 4,903 |
| Noninterest expense to average assets | 2.1922% | 6,635 |
| Loan and lease loss provision to assets | 0.8363% | 1,965 |
| Net operating income to assets | 1.0923% | 1,724 |
| Return on assets (ROA) | 1.0671% | 1,905 |
| Pretax return on assets | 1.0671% | 2,708 |
| Return on Equity (ROE) | 10.7510% | 1,662 |
| Retained earnings to average equity (ytd only) | 1.1330% | 4,977 |
| Net charge-offs to loans | 0.6486% | 3,071 |
| Credit loss provision to net charge-offs | 287.7792% | 941 |
| Earnings coverage of net charge-offs (x) | 6.6367% | 2,316 |
| Efficiency ratio | 53.1993% | 6,872 |
| Assets per employee ($millions) | 10.7839% | 207 |
| Cash dividends to net income (ytd only)* | 89.4614% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7731% | 2,951 |
| Loan loss allowance to noncurrent loans | 43.4651% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 3.2108% | 2,205 |
| Noncurrent loans to loans | 4.0794% | 1,773 |
| Net loans and leases to total assets | 51.6881% | 5,961 |
| Net loans and leases to deposits | 84.2666% | 2,410 |
| Net loans and leases to core deposits | 182.6178% | 102 |
| Total domestic deposits to total assets | 61.3388% | 7,490 |
| Equity capital to assets | 9.8259% | 3,966 |
| Core capital (leverage) ratio | 9.3360% | 3,954 |
| Tier 1 risk-based capital ratio | 12.3830% | 5,130 |
| Total risk-based capital ratio | 13.6214% | 5,108 |
| Memoranda: | ||
| Average total assets | $523,755,600 | 1,275 |
| Average earning assets | $498,246,400 | 1,236 |
| Average equity | $51,985,800 | 1,284 |
| Average total loans | $234,677,000 | 1,861 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0544% | 137 |
| Cost of funding earning assets | 2.9883% | 33 |
| Net interest margin | 4.0661% | 2,786 |
| Noninterest income to average assets | 0.4086% | 4,891 |
| Noninterest expense to average assets | 2.2200% | 6,550 |
| Loan and lease loss provision to assets | 0.8409% | 1,807 |
| Net operating income to assets | 1.2119% | 1,562 |
| Return on assets (ROA) | 1.1785% | 1,744 |
| Pretax return on assets | 1.1785% | 2,570 |
| Return on Equity (ROE) | 11.8452% | 1,547 |
| Retained earnings to average equity (ytd only) | 11.8452% | 478 |
| Net charge-offs to loans | 0.9129% | 2,168 |
| Credit loss provision to net charge-offs | 214.5619% | 1,631 |
| Earnings coverage of net charge-offs (x) | 5.2378% | 2,798 |
| Efficiency ratio | 51.9563% | 6,977 |
| Assets per employee ($millions) | 10.2054% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6080% | 3,496 |
| Loan loss allowance to noncurrent loans | 69.4915% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 2.0983% | 3,341 |
| Noncurrent loans to loans | 2.3140% | 3,328 |
| Net loans and leases to total assets | 43.7557% | 6,858 |
| Net loans and leases to deposits | 73.0605% | 4,677 |
| Net loans and leases to core deposits | 168.0349% | 128 |
| Total domestic deposits to total assets | 59.8896% | 7,594 |
| Equity capital to assets | 11.3710% | 2,630 |
| Core capital (leverage) ratio | 9.8309% | 3,452 |
| Tier 1 risk-based capital ratio | 10.4265% | 6,815 |
| Total risk-based capital ratio | 11.1697% | 7,097 |
| Memoranda: | ||
| Average total assets | $527,983,500 | 1,279 |
| Average earning assets | $501,763,250 | 1,240 |
| Average equity | $52,531,750 | 1,277 |
| Average total loans | $226,669,500 | 1,947 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1459% | 130 |
| Cost of funding earning assets | 2.9463% | 44 |
| Net interest margin | 4.1996% | 2,157 |
| Noninterest income to average assets | 0.4188% | 4,767 |
| Noninterest expense to average assets | 2.1327% | 6,812 |
| Loan and lease loss provision to assets | 1.0789% | 1,334 |
| Net operating income to assets | 1.1954% | 1,572 |
| Return on assets (ROA) | 1.1459% | 1,772 |
| Pretax return on assets | 1.1459% | 2,601 |
| Return on Equity (ROE) | 12.0667% | 1,435 |
| Retained earnings to average equity (ytd only) | 12.0667% | 480 |
| Net charge-offs to loans | 0.0265% | 5,967 |
| Credit loss provision to net charge-offs | 9,600.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 202.3667% | 168 |
| Efficiency ratio | 48.3934% | 7,322 |
| Assets per employee ($millions) | 10.3420% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0711% | 2,031 |
| Loan loss allowance to noncurrent loans | 70.6102% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 2.4384% | 2,952 |
| Noncurrent loans to loans | 2.9332% | 2,724 |
| Net loans and leases to total assets | 44.0485% | 6,915 |
| Net loans and leases to deposits | 72.7179% | 4,885 |
| Net loans and leases to core deposits | 176.0521% | 122 |
| Total domestic deposits to total assets | 60.5744% | 7,648 |
| Equity capital to assets | 10.5715% | 3,324 |
| Core capital (leverage) ratio | 9.3201% | 4,080 |
| Tier 1 risk-based capital ratio | 8.9821% | 7,422 |
| Total risk-based capital ratio | 9.8497% | 7,488 |
| Memoranda: | ||
| Average total assets | $533,887,330 | 1,279 |
| Average earning assets | $507,005,670 | 1,226 |
| Average equity | $50,701,330 | 1,318 |
| Average total loans | $226,585,330 | 1,972 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0980% | 148 |
| Cost of funding earning assets | 2.8914% | 62 |
| Net interest margin | 4.2066% | 2,014 |
| Noninterest income to average assets | 0.3894% | 5,002 |
| Noninterest expense to average assets | 1.8639% | 7,391 |
| Loan and lease loss provision to assets | 1.7755% | 641 |
| Net operating income to assets | 0.7416% | 3,252 |
| Return on assets (ROA) | 0.6452% | 3,806 |
| Pretax return on assets | 0.6452% | 4,435 |
| Return on Equity (ROE) | 7.1692% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.1692% | 2,061 |
| Net charge-offs to loans | 0.0177% | 5,333 |
| Credit loss provision to net charge-offs | 24,300.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 344.5000% | 81 |
| Efficiency ratio | 42.5450% | 7,665 |
| Assets per employee ($millions) | 11.4101% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8071% | 2,709 |
| Loan loss allowance to noncurrent loans | 52.0752% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 2.5303% | 2,868 |
| Noncurrent loans to loans | 3.4702% | 2,297 |
| Net loans and leases to total assets | 42.5716% | 7,089 |
| Net loans and leases to deposits | 69.9869% | 5,345 |
| Net loans and leases to core deposits | 177.0009% | 138 |
| Total domestic deposits to total assets | 60.8278% | 7,746 |
| Equity capital to assets | 9.1145% | 5,113 |
| Core capital (leverage) ratio | 8.6170% | 5,181 |
| Tier 1 risk-based capital ratio | 8.4356% | 7,565 |
| Total risk-based capital ratio | 9.2106% | 7,627 |
| Memoranda: | ||
| Average total assets | $547,451,000 | 1,276 |
| Average earning assets | $519,470,500 | 1,220 |
| Average equity | $49,266,000 | 1,361 |
| Average total loans | $225,907,500 | 2,026 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4310% | 61 |
| Cost of funding earning assets | 2.7817% | 467 |
| Net interest margin | 5.6493% | 158 |
| Noninterest income to average assets | 0.1218% | 7,148 |
| Noninterest expense to average assets | 2.5503% | 5,951 |
| Loan and lease loss provision to assets | 0.4006% | 4,409 |
| Net operating income to assets | 2.5370% | 85 |
| Return on assets (ROA) | -0.2113% | 5,847 |
| Pretax return on assets | -0.2113% | 5,719 |
| Return on Equity (ROE) | -2.1565% | 5,882 |
| Retained earnings to average equity (ytd only) | -59.1635% | 7,746 |
| Net charge-offs to loans | 0.8777% | 2,644 |
| Credit loss provision to net charge-offs | 180.0574% | 2,307 |
| Earnings coverage of net charge-offs (x) | 13.2044% | 1,444 |
| Efficiency ratio | 46.4711% | 7,693 |
| Assets per employee ($millions) | 12.1604% | 167 |
| Cash dividends to net income (ytd only)* | -2,643.5045% | 8,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 6,911 |
| Loan loss allowance to noncurrent loans | 29.9984% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 2.2265% | 3,095 |
| Noncurrent loans to loans | 2.9095% | 2,650 |
| Net loans and leases to total assets | 38.8319% | 7,414 |
| Net loans and leases to deposits | 60.2213% | 6,616 |
| Net loans and leases to core deposits | 70.7986% | 6,723 |
| Total domestic deposits to total assets | 64.4821% | 7,691 |
| Equity capital to assets | 8.8837% | 5,306 |
| Core capital (leverage) ratio | 7.8113% | 6,435 |
| Tier 1 risk-based capital ratio | 7.3657% | 7,709 |
| Total risk-based capital ratio | 7.6808% | 7,795 |
| Memoranda: | ||
| Average total assets | $626,601,800 | 1,106 |
| Average earning assets | $595,185,600 | 1,052 |
| Average equity | $61,396,000 | 1,078 |
| Average total loans | $158,825,800 | 2,780 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6564% | 55 |
| Cost of funding earning assets | 2.6940% | 802 |
| Net interest margin | 5.9624% | 115 |
| Noninterest income to average assets | 0.1064% | 7,375 |
| Noninterest expense to average assets | 1.3802% | 7,929 |
| Loan and lease loss provision to assets | 0.2413% | 5,028 |
| Net operating income to assets | 4.1561% | 37 |
| Return on assets (ROA) | 0.6043% | 3,642 |
| Pretax return on assets | 0.6043% | 4,172 |
| Return on Equity (ROE) | 6.0481% | 3,507 |
| Retained earnings to average equity (ytd only) | -55.8778% | 7,870 |
| Net charge-offs to loans | 1.2823% | 1,603 |
| Credit loss provision to net charge-offs | 83.9311% | 5,652 |
| Earnings coverage of net charge-offs (x) | 15.2948% | 1,544 |
| Efficiency ratio | 23.8889% | 8,039 |
| Assets per employee ($millions) | 13.4073% | 130 |
| Cash dividends to net income (ytd only)* | 1,023.8905% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3007% | 7,910 |
| Loan loss allowance to noncurrent loans | 68.6047% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.2044% | 4,664 |
| Noncurrent loans to loans | 0.4383% | 6,453 |
| Net loans and leases to total assets | 31.2636% | 7,775 |
| Net loans and leases to deposits | 48.5742% | 7,471 |
| Net loans and leases to core deposits | 57.0209% | 7,509 |
| Total domestic deposits to total assets | 64.3626% | 7,753 |
| Equity capital to assets | 9.7235% | 4,464 |
| Core capital (leverage) ratio | 8.9314% | 4,764 |
| Tier 1 risk-based capital ratio | 10.7962% | 6,165 |
| Total risk-based capital ratio | 10.9108% | 7,230 |
| Memoranda: | ||
| Average total assets | $646,448,000 | 1,085 |
| Average earning assets | $614,885,000 | 1,030 |
| Average equity | $64,591,750 | 1,038 |
| Average total loans | $144,940,750 | 3,036 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8677% | 53 |
| Cost of funding earning assets | 2.6165% | 1,241 |
| Net interest margin | 6.2512% | 93 |
| Noninterest income to average assets | 0.0756% | 7,608 |
| Noninterest expense to average assets | 1.3556% | 8,031 |
| Loan and lease loss provision to assets | 0.1424% | 5,642 |
| Net operating income to assets | 4.5385% | 30 |
| Return on assets (ROA) | -0.5698% | 6,629 |
| Pretax return on assets | -0.5698% | 6,497 |
| Return on Equity (ROE) | -5.6607% | 6,676 |
| Retained earnings to average equity (ytd only) | -35.1284% | 7,771 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.4570% | 8,133 |
| Assets per employee ($millions) | 13.5238% | 125 |
| Cash dividends to net income (ytd only)* | -520.5622% | 8,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7333% | 7,354 |
| Loan loss allowance to noncurrent loans | 30.8750% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 1.3033% | 4,336 |
| Noncurrent loans to loans | 2.3750% | 3,041 |
| Net loans and leases to total assets | 29.4340% | 7,900 |
| Net loans and leases to deposits | 49.6423% | 7,499 |
| Net loans and leases to core deposits | 55.9173% | 7,595 |
| Total domestic deposits to total assets | 59.2921% | 7,956 |
| Equity capital to assets | 11.9977% | 2,208 |
| Core capital (leverage) ratio | 9.8752% | 3,425 |
| Tier 1 risk-based capital ratio | 15.0910% | 2,984 |
| Total risk-based capital ratio | 15.3771% | 3,383 |
| Memoranda: | ||
| Average total assets | $674,228,000 | 1,045 |
| Average earning assets | $642,916,670 | 997 |
| Average equity | $67,871,000 | 987 |
| Average total loans | $134,394,670 | 3,259 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7137% | 127 |
| Cost of funding earning assets | 2.4648% | 2,049 |
| Net interest margin | 5.2489% | 257 |
| Noninterest income to average assets | 0.0704% | 7,710 |
| Noninterest expense to average assets | 0.8667% | 8,187 |
| Loan and lease loss provision to assets | 0.0495% | 6,351 |
| Net operating income to assets | 4.1796% | 31 |
| Return on assets (ROA) | 4.1796% | 36 |
| Pretax return on assets | 4.1796% | 56 |
| Return on Equity (ROE) | 44.8821% | 32 |
| Retained earnings to average equity (ytd only) | -14.1733% | 7,392 |
| Net charge-offs to loans | -0.0034% | 7,145 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.0084% | 8,196 |
| Assets per employee ($millions) | 23.2780% | 72 |
| Cash dividends to net income (ytd only)* | 131.5789% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7230% | 7,379 |
| Loan loss allowance to noncurrent loans | 12.8846% | 7,463 |
| Noncurrent assets plus other real estate owned to assets | 1.3536% | 3,957 |
| Noncurrent loans to loans | 5.6114% | 902 |
| Net loans and leases to total assets | 16.0979% | 8,114 |
| Net loans and leases to deposits | 30.4887% | 8,030 |
| Net loans and leases to core deposits | 33.7127% | 8,050 |
| Total domestic deposits to total assets | 52.7994% | 8,080 |
| Equity capital to assets | 9.5211% | 4,638 |
| Core capital (leverage) ratio | 7.5192% | 7,141 |
| Tier 1 risk-based capital ratio | 4.5660% | 8,188 |
| Total risk-based capital ratio | 4.6381% | 8,212 |
| Memoranda: | ||
| Average total assets | $727,342,000 | 959 |
| Average earning assets | $696,375,500 | 916 |
| Average equity | $67,733,000 | 994 |
| Average total loans | $117,382,000 | 3,613 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1972% | 4,530 |
| Cost of funding earning assets | 2.8404% | 2,525 |
| Net interest margin | 3.3567% | 5,840 |
| Noninterest income to average assets | 0.0859% | 7,707 |
| Noninterest expense to average assets | 0.7017% | 8,244 |
| Loan and lease loss provision to assets | 0.0353% | 6,966 |
| Net operating income to assets | 2.5779% | 110 |
| Return on assets (ROA) | 2.5779% | 110 |
| Pretax return on assets | 2.5779% | 165 |
| Return on Equity (ROE) | 35.0648% | 29 |
| Retained earnings to average equity (ytd only) | 6.7989% | 1,222 |
| Net charge-offs to loans | 0.0126% | 6,740 |
| Credit loss provision to net charge-offs | 1,342.1053% | 336 |
| Earnings coverage of net charge-offs (x) | 992.7895% | 47 |
| Efficiency ratio | 21.1677% | 8,255 |
| Assets per employee ($millions) | 25.2781% | 61 |
| Cash dividends to net income (ytd only)* | 80.6105% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6412% | 7,573 |
| Loan loss allowance to noncurrent loans | 11.1935% | 7,490 |
| Noncurrent assets plus other real estate owned to assets | 1.0017% | 4,327 |
| Noncurrent loans to loans | 5.7281% | 663 |
| Net loans and leases to total assets | 15.9601% | 8,183 |
| Net loans and leases to deposits | 28.3359% | 8,133 |
| Net loans and leases to core deposits | 30.9850% | 8,146 |
| Total domestic deposits to total assets | 56.3245% | 8,053 |
| Equity capital to assets | 9.1070% | 5,218 |
| Core capital (leverage) ratio | 8.0295% | 6,441 |
| Tier 1 risk-based capital ratio | 7.9825% | 8,087 |
| Total risk-based capital ratio | 8.0901% | 8,195 |
| Memoranda: | ||
| Average total assets | $721,825,600 | 925 |
| Average earning assets | $694,363,800 | 880 |
| Average equity | $53,067,400 | 1,272 |
| Average total loans | $150,625,600 | 2,918 |