Home > Golden Bank > Performance and Condition Ratios
Golden 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 | 181,279.0000% | 13 |
| Cost of funding earning assets | 520.0000% | 12 |
| Net interest margin | 0.0000% | 4,423 |
| Noninterest income to average assets | 0.0000% | 4,395 |
| Noninterest expense to average assets | 0.0000% | 4,437 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 1.4501% | 1,176 |
| Pretax return on assets | 1.9169% | 796 |
| Return on Equity (ROE) | 11.5900% | 1,857 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,662 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 1.0000% | 1,714 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 50,000.0000% | 13 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 5.9571% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10,359.0000% | 9 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 2,968.0000% | 3 |
| Net loans and leases to core deposits | 0.0000% | 4,352 |
| Total domestic deposits to total assets | 0.0000% | 4,428 |
| Equity capital to assets | 21,028.0000% | 39 |
| Core capital (leverage) ratio | 0.0000% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $424,000 | 4,453 |
| Average earning assets | $2,590 | 4,464 |
| Average equity | $0 | 4,424 |
| Average total loans | NA | NA |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2909% | 291 |
| Cost of funding earning assets | 3.5150% | 187 |
| Net interest margin | 3.7759% | 1,543 |
| Noninterest income to average assets | 0.1700% | 3,879 |
| Noninterest expense to average assets | 1.6346% | 4,156 |
| Loan and lease loss provision to assets | 0.1600% | 863 |
| Net operating income to assets | 1.6157% | 759 |
| Return on assets (ROA) | 1.6125% | 755 |
| Pretax return on assets | 2.0296% | 572 |
| Return on Equity (ROE) | 12.8200% | 1,400 |
| Retained earnings to average equity (ytd only) | 12.8220% | 230 |
| Net charge-offs to loans | 0.0406% | 1,783 |
| Credit loss provision to net charge-offs | 375.9750% | 762 |
| Earnings coverage of net charge-offs (x) | 65.2949% | 1,055 |
| Efficiency ratio | 42.6133% | 4,271 |
| Assets per employee ($millions) | 13.7390% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 2,396 |
| Loan loss allowance to noncurrent loans | 87.9848% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.1182% | 584 |
| Noncurrent loans to loans | 1.3137% | 757 |
| Net loans and leases to total assets | 84.1300% | 268 |
| Net loans and leases to deposits | 101.1355% | 439 |
| Net loans and leases to core deposits | 151.2040% | 164 |
| Total domestic deposits to total assets | 83.1900% | 2,986 |
| Equity capital to assets | 12.7060% | 971 |
| Core capital (leverage) ratio | 12.9837% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9669% | 1,272 |
| Memoranda: | ||
| Average total assets | $1,905,167,000 | 605 |
| Average earning assets | $1,846,146,800 | 575 |
| Average equity | $239,596,800 | 499 |
| Average total loans | $1,579,063,800 | 514 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2703% | 295 |
| Cost of funding earning assets | 3.5273% | 186 |
| Net interest margin | 3.7430% | 1,555 |
| Noninterest income to average assets | 0.1600% | 3,942 |
| Noninterest expense to average assets | 1.6866% | 4,095 |
| Loan and lease loss provision to assets | 0.1500% | 844 |
| Net operating income to assets | 1.5487% | 879 |
| Return on assets (ROA) | 1.5544% | 869 |
| Pretax return on assets | 1.9557% | 687 |
| Return on Equity (ROE) | 12.3900% | 1,517 |
| Retained earnings to average equity (ytd only) | 12.3938% | 460 |
| Net charge-offs to loans | 0.0661% | 1,247 |
| Credit loss provision to net charge-offs | 182.5293% | 1,144 |
| Earnings coverage of net charge-offs (x) | 38.5580% | 1,364 |
| Efficiency ratio | 44.5217% | 4,212 |
| Assets per employee ($millions) | 13.6883% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 2,479 |
| Loan loss allowance to noncurrent loans | 81.0485% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.1562% | 543 |
| Noncurrent loans to loans | 1.4208% | 688 |
| Net loans and leases to total assets | 80.4400% | 577 |
| Net loans and leases to deposits | 95.6448% | 743 |
| Net loans and leases to core deposits | 139.0067% | 268 |
| Total domestic deposits to total assets | 84.1000% | 2,567 |
| Equity capital to assets | 12.4676% | 1,115 |
| Core capital (leverage) ratio | 12.7833% | 1,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1645% | 1,261 |
| Memoranda: | ||
| Average total assets | $1,879,983,500 | 603 |
| Average earning assets | $1,821,952,500 | 578 |
| Average equity | $235,778,750 | 500 |
| Average total loans | $1,546,990,250 | 520 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2201% | 298 |
| Cost of funding earning assets | 3.4782% | 184 |
| Net interest margin | 3.7419% | 1,526 |
| Noninterest income to average assets | 0.1500% | 3,984 |
| Noninterest expense to average assets | 1.6846% | 4,104 |
| Loan and lease loss provision to assets | 0.1900% | 581 |
| Net operating income to assets | 1.5080% | 898 |
| Return on assets (ROA) | 1.4996% | 909 |
| Pretax return on assets | 1.8863% | 754 |
| Return on Equity (ROE) | 11.9300% | 1,641 |
| Retained earnings to average equity (ytd only) | 11.9317% | 550 |
| Net charge-offs to loans | 0.1006% | 864 |
| Credit loss provision to net charge-offs | 136.8970% | 1,264 |
| Earnings coverage of net charge-offs (x) | 25.0978% | 1,502 |
| Efficiency ratio | 44.6179% | 4,229 |
| Assets per employee ($millions) | 13.4517% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 2,483 |
| Loan loss allowance to noncurrent loans | 77.2968% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.2447% | 436 |
| Noncurrent loans to loans | 1.4925% | 579 |
| Net loans and leases to total assets | 82.4400% | 438 |
| Net loans and leases to deposits | 98.4648% | 625 |
| Net loans and leases to core deposits | 143.9256% | 218 |
| Total domestic deposits to total assets | 83.7300% | 2,681 |
| Equity capital to assets | 12.5731% | 985 |
| Core capital (leverage) ratio | 12.7637% | 1,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5883% | 1,374 |
| Memoranda: | ||
| Average total assets | $1,845,044,667 | 620 |
| Average earning assets | $1,787,420,000 | 590 |
| Average equity | $231,886,000 | 508 |
| Average total loans | $1,524,266,000 | 527 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0965% | 303 |
| Cost of funding earning assets | 3.4085% | 190 |
| Net interest margin | 3.6880% | 1,564 |
| Noninterest income to average assets | 0.1500% | 3,964 |
| Noninterest expense to average assets | 1.7062% | 4,093 |
| Loan and lease loss provision to assets | 0.1500% | 697 |
| Net operating income to assets | 1.4815% | 924 |
| Return on assets (ROA) | 1.4692% | 955 |
| Pretax return on assets | 1.8476% | 773 |
| Return on Equity (ROE) | 11.6900% | 1,656 |
| Retained earnings to average equity (ytd only) | 11.6924% | 796 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 45.7745% | 4,188 |
| Assets per employee ($millions) | 13.3582% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 2,231 |
| Loan loss allowance to noncurrent loans | 156.1602% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.6289% | 1,020 |
| Noncurrent loans to loans | 0.7748% | 1,146 |
| Net loans and leases to total assets | 80.1800% | 599 |
| Net loans and leases to deposits | 95.9035% | 723 |
| Net loans and leases to core deposits | 138.4245% | 293 |
| Total domestic deposits to total assets | 83.6100% | 2,833 |
| Equity capital to assets | 12.3926% | 1,015 |
| Core capital (leverage) ratio | 12.9029% | 1,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6577% | 1,363 |
| Memoranda: | ||
| Average total assets | $1,819,219,500 | 637 |
| Average earning assets | $1,761,711,500 | 603 |
| Average equity | $228,592,000 | 514 |
| Average total loans | $1,495,452,000 | 539 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9822% | 225 |
| Cost of funding earning assets | 2.6423% | 278 |
| Net interest margin | 4.3399% | 761 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.9240% | 3,786 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 1.7785% | 631 |
| Return on assets (ROA) | 1.7818% | 606 |
| Pretax return on assets | 2.2419% | 468 |
| Return on Equity (ROE) | 13.8100% | 1,524 |
| Retained earnings to average equity (ytd only) | 13.8104% | 415 |
| Net charge-offs to loans | 0.0346% | 1,615 |
| Credit loss provision to net charge-offs | 628.1450% | 573 |
| Earnings coverage of net charge-offs (x) | 85.7655% | 979 |
| Efficiency ratio | 43.6474% | 4,260 |
| Assets per employee ($millions) | 11.8678% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,180 |
| Loan loss allowance to noncurrent loans | 647.1902% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 2,487 |
| Noncurrent loans to loans | 0.1885% | 2,570 |
| Net loans and leases to total assets | 82.2800% | 405 |
| Net loans and leases to deposits | 98.5869% | 615 |
| Net loans and leases to core deposits | 141.8748% | 257 |
| Total domestic deposits to total assets | 83.4600% | 2,760 |
| Equity capital to assets | 12.7481% | 923 |
| Core capital (leverage) ratio | 13.1371% | 1,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6189% | 1,368 |
| Memoranda: | ||
| Average total assets | $1,622,601,800 | 673 |
| Average earning assets | $1,562,494,400 | 645 |
| Average equity | $209,349,000 | 519 |
| Average total loans | $1,357,116,200 | 562 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8604% | 220 |
| Cost of funding earning assets | 2.4507% | 300 |
| Net interest margin | 4.4097% | 691 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.9630% | 3,683 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 1.7764% | 696 |
| Return on assets (ROA) | 1.7640% | 699 |
| Pretax return on assets | 2.2190% | 547 |
| Return on Equity (ROE) | 13.6300% | 1,761 |
| Retained earnings to average equity (ytd only) | 13.6272% | 724 |
| Net charge-offs to loans | 0.0393% | 1,328 |
| Credit loss provision to net charge-offs | 536.0614% | 604 |
| Earnings coverage of net charge-offs (x) | 75.7084% | 1,076 |
| Efficiency ratio | 44.0487% | 4,222 |
| Assets per employee ($millions) | 10.9393% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 2,282 |
| Loan loss allowance to noncurrent loans | 244.7893% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 1,367 |
| Noncurrent loans to loans | 0.4966% | 1,575 |
| Net loans and leases to total assets | 84.5900% | 243 |
| Net loans and leases to deposits | 102.0164% | 433 |
| Net loans and leases to core deposits | 143.5732% | 184 |
| Total domestic deposits to total assets | 82.9100% | 3,035 |
| Equity capital to assets | 12.9965% | 815 |
| Core capital (leverage) ratio | 13.3874% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5843% | 1,408 |
| Memoranda: | ||
| Average total assets | $1,586,178,000 | 689 |
| Average earning assets | $1,525,360,250 | 660 |
| Average equity | $205,330,000 | 525 |
| Average total loans | $1,328,147,750 | 569 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7007% | 215 |
| Cost of funding earning assets | 2.2768% | 293 |
| Net interest margin | 4.4239% | 679 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.9636% | 3,677 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | 1.7761% | 683 |
| Return on assets (ROA) | 1.7764% | 684 |
| Pretax return on assets | 2.2347% | 512 |
| Return on Equity (ROE) | 13.7400% | 1,734 |
| Retained earnings to average equity (ytd only) | 13.7419% | 713 |
| Net charge-offs to loans | 0.0413% | 1,104 |
| Credit loss provision to net charge-offs | 481.7164% | 666 |
| Earnings coverage of net charge-offs (x) | 73.7575% | 1,090 |
| Efficiency ratio | 43.6726% | 4,266 |
| Assets per employee ($millions) | 10.5574% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 2,304 |
| Loan loss allowance to noncurrent loans | 19,200.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 3,816 |
| Noncurrent loans to loans | 0.0064% | 3,758 |
| Net loans and leases to total assets | 82.7800% | 345 |
| Net loans and leases to deposits | 99.7891% | 521 |
| Net loans and leases to core deposits | 141.0861% | 206 |
| Total domestic deposits to total assets | 82.9600% | 3,060 |
| Equity capital to assets | 13.0201% | 807 |
| Core capital (leverage) ratio | 13.4692% | 886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6941% | 1,383 |
| Memoranda: | ||
| Average total assets | $1,564,292,333 | 684 |
| Average earning assets | $1,502,291,000 | 658 |
| Average equity | $202,213,000 | 518 |
| Average total loans | $1,299,393,667 | 570 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4759% | 186 |
| Cost of funding earning assets | 2.0880% | 242 |
| Net interest margin | 4.3879% | 699 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.9116% | 3,828 |
| Loan and lease loss provision to assets | 0.4400% | 177 |
| Net operating income to assets | 1.7008% | 821 |
| Return on assets (ROA) | 1.7180% | 786 |
| Pretax return on assets | 2.1605% | 603 |
| Return on Equity (ROE) | 13.3400% | 1,915 |
| Retained earnings to average equity (ytd only) | 13.3406% | 1,037 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.5618% | 4,366 |
| Assets per employee ($millions) | 10.8142% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,292 |
| Loan loss allowance to noncurrent loans | 1,915.7583% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 3,241 |
| Noncurrent loans to loans | 0.0652% | 3,267 |
| Net loans and leases to total assets | 82.0500% | 374 |
| Net loans and leases to deposits | 98.1987% | 529 |
| Net loans and leases to core deposits | 151.2140% | 119 |
| Total domestic deposits to total assets | 83.5500% | 3,188 |
| Equity capital to assets | 12.9898% | 762 |
| Core capital (leverage) ratio | 13.1805% | 919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5359% | 1,481 |
| Memoranda: | ||
| Average total assets | $1,544,076,500 | 705 |
| Average earning assets | $1,482,536,500 | 677 |
| Average equity | $198,851,500 | 536 |
| Average total loans | $1,276,618,000 | 587 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 296 |
| Cost of funding earning assets | 0.7040% | 572 |
| Net interest margin | 4.3002% | 421 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.9897% | 3,605 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.8050% | 440 |
| Return on assets (ROA) | 1.7644% | 454 |
| Pretax return on assets | 2.2146% | 312 |
| Return on Equity (ROE) | 13.3800% | 1,686 |
| Retained earnings to average equity (ytd only) | 13.3806% | 461 |
| Net charge-offs to loans | -0.0042% | 3,596 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 44.9242% | 4,394 |
| Assets per employee ($millions) | 10.7057% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 2,252 |
| Loan loss allowance to noncurrent loans | 23,117.9104% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 3,886 |
| Noncurrent loans to loans | 0.0053% | 3,833 |
| Net loans and leases to total assets | 81.2500% | 476 |
| Net loans and leases to deposits | 97.6129% | 546 |
| Net loans and leases to core deposits | 145.3703% | 112 |
| Total domestic deposits to total assets | 83.2400% | 3,369 |
| Equity capital to assets | 12.7650% | 750 |
| Core capital (leverage) ratio | 13.4272% | 831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1875% | 1,570 |
| Memoranda: | ||
| Average total assets | $1,397,015,000 | 746 |
| Average earning assets | $1,336,980,000 | 716 |
| Average equity | $184,214,600 | 565 |
| Average total loans | $1,142,819,800 | 606 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6466% | 390 |
| Cost of funding earning assets | 0.4569% | 950 |
| Net interest margin | 4.1897% | 431 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.9571% | 3,605 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.7874% | 441 |
| Return on assets (ROA) | 1.7305% | 480 |
| Pretax return on assets | 2.1708% | 337 |
| Return on Equity (ROE) | 13.0100% | 1,695 |
| Retained earnings to average equity (ytd only) | 13.0065% | 613 |
| Net charge-offs to loans | -0.0057% | 3,521 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.0759% | 4,422 |
| Assets per employee ($millions) | 9.6153% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 2,534 |
| Loan loss allowance to noncurrent loans | 3,086.8365% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 3,588 |
| Noncurrent loans to loans | 0.0388% | 3,613 |
| Net loans and leases to total assets | 84.1800% | 231 |
| Net loans and leases to deposits | 103.2711% | 254 |
| Net loans and leases to core deposits | 142.3142% | 89 |
| Total domestic deposits to total assets | 81.5200% | 3,904 |
| Equity capital to assets | 13.2049% | 649 |
| Core capital (leverage) ratio | 13.6772% | 738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5590% | 1,546 |
| Memoranda: | ||
| Average total assets | $1,363,540,750 | 763 |
| Average earning assets | $1,304,488,500 | 737 |
| Average equity | $181,413,000 | 580 |
| Average total loans | $1,113,668,000 | 615 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3497% | 480 |
| Cost of funding earning assets | 0.3493% | 1,267 |
| Net interest margin | 4.0004% | 497 |
| Noninterest income to average assets | 0.3712% | 2,920 |
| Noninterest expense to average assets | 1.9552% | 3,562 |
| Loan and lease loss provision to assets | 0.0744% | 1,294 |
| Net operating income to assets | 1.7306% | 397 |
| Return on assets (ROA) | 1.6742% | 451 |
| Pretax return on assets | 2.0997% | 296 |
| Return on Equity (ROE) | 12.5503% | 1,511 |
| Retained earnings to average equity (ytd only) | 12.5503% | 522 |
| Net charge-offs to loans | -0.0081% | 3,513 |
| Credit loss provision to net charge-offs | -1,136.3636% | 3,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4897% | 4,427 |
| Assets per employee ($millions) | 9.7179% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,658 |
| Loan loss allowance to noncurrent loans | 2,318.8776% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 3,555 |
| Noncurrent loans to loans | 0.0520% | 3,559 |
| Net loans and leases to total assets | 81.5846% | 311 |
| Net loans and leases to deposits | 98.3295% | 329 |
| Net loans and leases to core deposits | 127.8090% | 134 |
| Total domestic deposits to total assets | 82.9706% | 3,881 |
| Equity capital to assets | 13.2963% | 613 |
| Core capital (leverage) ratio | 13.5616% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9418% | 1,448 |
| Memoranda: | ||
| Average total assets | $1,343,700,000 | 765 |
| Average earning assets | $1,286,018,667 | 750 |
| Average equity | $179,246,000 | 590 |
| Average total loans | $1,080,713,000 | 617 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2063% | 509 |
| Cost of funding earning assets | 0.3329% | 1,344 |
| Net interest margin | 3.8733% | 535 |
| Noninterest income to average assets | 0.5938% | 1,717 |
| Noninterest expense to average assets | 2.0273% | 3,360 |
| Loan and lease loss provision to assets | 0.0601% | 1,330 |
| Net operating income to assets | 1.7683% | 351 |
| Return on assets (ROA) | 1.7038% | 411 |
| Pretax return on assets | 2.1370% | 279 |
| Return on Equity (ROE) | 12.7510% | 1,096 |
| Retained earnings to average equity (ytd only) | 12.7510% | 493 |
| Net charge-offs to loans | -0.0023% | 3,127 |
| Credit loss provision to net charge-offs | -3,333.3333% | 3,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0284% | 4,455 |
| Assets per employee ($millions) | 10.0538% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,682 |
| Loan loss allowance to noncurrent loans | 2,087.4411% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,393 |
| Noncurrent loans to loans | 0.0592% | 3,563 |
| Net loans and leases to total assets | 77.7802% | 391 |
| Net loans and leases to deposits | 93.8368% | 371 |
| Net loans and leases to core deposits | 122.5942% | 133 |
| Total domestic deposits to total assets | 82.8887% | 3,958 |
| Equity capital to assets | 13.1070% | 668 |
| Core capital (leverage) ratio | 13.4408% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0934% | 1,483 |
| Memoranda: | ||
| Average total assets | $1,330,437,000 | 776 |
| Average earning assets | $1,274,766,000 | 756 |
| Average equity | $177,774,500 | 609 |
| Average total loans | $1,055,305,500 | 623 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3588% | 774 |
| Cost of funding earning assets | 0.4409% | 1,257 |
| Net interest margin | 3.9179% | 822 |
| Noninterest income to average assets | 0.8855% | 1,246 |
| Noninterest expense to average assets | 2.0066% | 3,655 |
| Loan and lease loss provision to assets | 0.1233% | 995 |
| Net operating income to assets | 2.0016% | 336 |
| Return on assets (ROA) | 1.9909% | 363 |
| Pretax return on assets | 2.4968% | 256 |
| Return on Equity (ROE) | 15.2461% | 898 |
| Retained earnings to average equity (ytd only) | 15.2461% | 206 |
| Net charge-offs to loans | -0.0359% | 4,188 |
| Credit loss provision to net charge-offs | -442.8571% | 3,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1938% | 4,598 |
| Assets per employee ($millions) | 9.3062% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 2,526 |
| Loan loss allowance to noncurrent loans | 1,058.2862% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 3,108 |
| Noncurrent loans to loans | 0.1197% | 3,331 |
| Net loans and leases to total assets | 78.9081% | 323 |
| Net loans and leases to deposits | 95.8604% | 321 |
| Net loans and leases to core deposits | 125.3746% | 127 |
| Total domestic deposits to total assets | 82.3157% | 3,918 |
| Equity capital to assets | 13.6317% | 733 |
| Core capital (leverage) ratio | 13.5501% | 687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2816% | 1,438 |
| Memoranda: | ||
| Average total assets | $1,257,534,000 | 794 |
| Average earning assets | $1,205,134,200 | 765 |
| Average equity | $164,212,200 | 664 |
| Average total loans | $974,177,200 | 674 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3559% | 874 |
| Cost of funding earning assets | 0.4742% | 1,185 |
| Net interest margin | 3.8817% | 975 |
| Noninterest income to average assets | 0.7830% | 1,578 |
| Noninterest expense to average assets | 1.8460% | 4,064 |
| Loan and lease loss provision to assets | 0.1388% | 819 |
| Net operating income to assets | 2.0079% | 453 |
| Return on assets (ROA) | 1.9980% | 493 |
| Pretax return on assets | 2.5058% | 335 |
| Return on Equity (ROE) | 15.4770% | 1,047 |
| Retained earnings to average equity (ytd only) | 15.4770% | 337 |
| Net charge-offs to loans | -0.0486% | 4,345 |
| Credit loss provision to net charge-offs | -371.4286% | 3,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9443% | 4,694 |
| Assets per employee ($millions) | 9.5801% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,602 |
| Loan loss allowance to noncurrent loans | 660.5453% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 2,969 |
| Noncurrent loans to loans | 0.1934% | 3,172 |
| Net loans and leases to total assets | 77.3202% | 443 |
| Net loans and leases to deposits | 93.3459% | 437 |
| Net loans and leases to core deposits | 115.6566% | 231 |
| Total domestic deposits to total assets | 82.8320% | 3,752 |
| Equity capital to assets | 13.2878% | 908 |
| Core capital (leverage) ratio | 13.0721% | 826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6551% | 1,443 |
| Memoranda: | ||
| Average total assets | $1,248,526,500 | 806 |
| Average earning assets | $1,196,537,000 | 781 |
| Average equity | $161,181,500 | 679 |
| Average total loans | $959,267,000 | 701 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 778 |
| Cost of funding earning assets | 0.5259% | 1,060 |
| Net interest margin | 3.9293% | 919 |
| Noninterest income to average assets | 0.5974% | 2,229 |
| Noninterest expense to average assets | 1.7895% | 4,205 |
| Loan and lease loss provision to assets | 0.1294% | 964 |
| Net operating income to assets | 1.9498% | 535 |
| Return on assets (ROA) | 1.9386% | 566 |
| Pretax return on assets | 2.4292% | 396 |
| Return on Equity (ROE) | 15.1700% | 1,116 |
| Retained earnings to average equity (ytd only) | 15.1700% | 407 |
| Net charge-offs to loans | -0.0742% | 4,523 |
| Credit loss provision to net charge-offs | -228.5714% | 3,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9787% | 4,724 |
| Assets per employee ($millions) | 9.8811% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 2,640 |
| Loan loss allowance to noncurrent loans | 918.9129% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 3,391 |
| Noncurrent loans to loans | 0.1371% | 3,508 |
| Net loans and leases to total assets | 74.7163% | 702 |
| Net loans and leases to deposits | 89.4346% | 682 |
| Net loans and leases to core deposits | 109.4723% | 375 |
| Total domestic deposits to total assets | 83.5429% | 3,563 |
| Equity capital to assets | 12.6613% | 1,060 |
| Core capital (leverage) ratio | 12.5357% | 918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4044% | 1,249 |
| Memoranda: | ||
| Average total assets | $1,236,790,667 | 804 |
| Average earning assets | $1,184,981,000 | 783 |
| Average equity | $158,048,667 | 685 |
| Average total loans | $943,880,333 | 710 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 561 |
| Cost of funding earning assets | 0.5765% | 981 |
| Net interest margin | 4.1347% | 684 |
| Noninterest income to average assets | 0.5596% | 2,374 |
| Noninterest expense to average assets | 1.7769% | 4,254 |
| Loan and lease loss provision to assets | 0.1325% | 1,030 |
| Net operating income to assets | 2.0790% | 512 |
| Return on assets (ROA) | 2.0544% | 566 |
| Pretax return on assets | 2.5762% | 382 |
| Return on Equity (ROE) | 15.9972% | 1,014 |
| Retained earnings to average equity (ytd only) | 15.9972% | 522 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3211% | 4,762 |
| Assets per employee ($millions) | 9.6465% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,799 |
| Loan loss allowance to noncurrent loans | 857.9571% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 3,642 |
| Noncurrent loans to loans | 0.1426% | 3,607 |
| Net loans and leases to total assets | 74.0739% | 806 |
| Net loans and leases to deposits | 88.9628% | 766 |
| Net loans and leases to core deposits | 112.7784% | 347 |
| Total domestic deposits to total assets | 83.2639% | 3,624 |
| Equity capital to assets | 12.4984% | 1,082 |
| Core capital (leverage) ratio | 12.9948% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6162% | 1,140 |
| Memoranda: | ||
| Average total assets | $1,207,972,500 | 816 |
| Average earning assets | $1,155,980,000 | 792 |
| Average equity | $155,127,500 | 689 |
| Average total loans | $926,076,000 | 722 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 1,088 |
| Cost of funding earning assets | 1.0258% | 540 |
| Net interest margin | 3.5796% | 2,217 |
| Noninterest income to average assets | 0.2992% | 3,684 |
| Noninterest expense to average assets | 1.8134% | 4,447 |
| Loan and lease loss provision to assets | 0.2002% | 1,957 |
| Net operating income to assets | 1.3703% | 1,084 |
| Return on assets (ROA) | 1.3917% | 1,129 |
| Pretax return on assets | 1.7370% | 788 |
| Return on Equity (ROE) | 10.6935% | 1,747 |
| Retained earnings to average equity (ytd only) | 10.6935% | 470 |
| Net charge-offs to loans | 0.0147% | 2,830 |
| Credit loss provision to net charge-offs | 1,780.6452% | 486 |
| Earnings coverage of net charge-offs (x) | 169.8952% | 520 |
| Efficiency ratio | 48.4305% | 4,616 |
| Assets per employee ($millions) | 9.0020% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 2,763 |
| Loan loss allowance to noncurrent loans | 793.6879% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 3,672 |
| Noncurrent loans to loans | 0.1559% | 3,660 |
| Net loans and leases to total assets | 77.5267% | 643 |
| Net loans and leases to deposits | 94.1000% | 651 |
| Net loans and leases to core deposits | 121.4621% | 292 |
| Total domestic deposits to total assets | 82.3876% | 3,569 |
| Equity capital to assets | 13.2188% | 1,019 |
| Core capital (leverage) ratio | 12.9882% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2797% | 1,193 |
| Memoranda: | ||
| Average total assets | $1,102,787,400 | 808 |
| Average earning assets | $1,055,013,800 | 782 |
| Average equity | $143,526,400 | 702 |
| Average total loans | $841,967,200 | 753 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6730% | 1,128 |
| Cost of funding earning assets | 1.1332% | 468 |
| Net interest margin | 3.5398% | 2,458 |
| Noninterest income to average assets | 0.2467% | 4,000 |
| Noninterest expense to average assets | 1.8112% | 4,477 |
| Loan and lease loss provision to assets | 0.2088% | 1,924 |
| Net operating income to assets | 1.2931% | 1,371 |
| Return on assets (ROA) | 1.3237% | 1,385 |
| Pretax return on assets | 1.6520% | 1,064 |
| Return on Equity (ROE) | 10.2132% | 1,950 |
| Retained earnings to average equity (ytd only) | 10.2132% | 716 |
| Net charge-offs to loans | 0.0200% | 2,457 |
| Credit loss provision to net charge-offs | 1,377.4194% | 660 |
| Earnings coverage of net charge-offs (x) | 120.2097% | 696 |
| Efficiency ratio | 49.8435% | 4,504 |
| Assets per employee ($millions) | 9.1319% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 2,705 |
| Loan loss allowance to noncurrent loans | 709.8938% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 3,765 |
| Noncurrent loans to loans | 0.1680% | 3,709 |
| Net loans and leases to total assets | 77.5729% | 886 |
| Net loans and leases to deposits | 93.8722% | 933 |
| Net loans and leases to core deposits | 122.5460% | 364 |
| Total domestic deposits to total assets | 82.6367% | 3,241 |
| Equity capital to assets | 12.9457% | 1,207 |
| Core capital (leverage) ratio | 12.7616% | 1,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4506% | 1,145 |
| Memoranda: | ||
| Average total assets | $1,090,421,000 | 801 |
| Average earning assets | $1,043,389,250 | 771 |
| Average equity | $141,329,500 | 700 |
| Average total loans | $826,335,250 | 758 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8363% | 1,086 |
| Cost of funding earning assets | 1.2773% | 394 |
| Net interest margin | 3.5590% | 2,614 |
| Noninterest income to average assets | 0.1334% | 4,639 |
| Noninterest expense to average assets | 1.7947% | 4,564 |
| Loan and lease loss provision to assets | 0.2251% | 1,859 |
| Net operating income to assets | 1.2196% | 1,587 |
| Return on assets (ROA) | 1.2558% | 1,594 |
| Pretax return on assets | 1.5672% | 1,301 |
| Return on Equity (ROE) | 9.6852% | 2,083 |
| Retained earnings to average equity (ytd only) | 9.6852% | 847 |
| Net charge-offs to loans | 0.0309% | 2,106 |
| Credit loss provision to net charge-offs | 974.1935% | 807 |
| Earnings coverage of net charge-offs (x) | 75.6129% | 839 |
| Efficiency ratio | 50.6734% | 4,465 |
| Assets per employee ($millions) | 8.7283% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 2,724 |
| Loan loss allowance to noncurrent loans | 955.1078% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 4,054 |
| Noncurrent loans to loans | 0.1216% | 3,966 |
| Net loans and leases to total assets | 77.0569% | 991 |
| Net loans and leases to deposits | 93.6629% | 993 |
| Net loans and leases to core deposits | 129.6478% | 263 |
| Total domestic deposits to total assets | 82.2705% | 3,298 |
| Equity capital to assets | 12.7598% | 1,252 |
| Core capital (leverage) ratio | 12.8746% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8999% | 1,264 |
| Memoranda: | ||
| Average total assets | $1,073,397,000 | 801 |
| Average earning assets | $1,027,931,333 | 768 |
| Average equity | $139,181,333 | 706 |
| Average total loans | $803,053,667 | 768 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6485% | 1,861 |
| Cost of funding earning assets | 1.4078% | 384 |
| Net interest margin | 3.2407% | 3,749 |
| Noninterest income to average assets | 0.1146% | 4,772 |
| Noninterest expense to average assets | 1.8114% | 4,653 |
| Loan and lease loss provision to assets | 0.2273% | 1,365 |
| Net operating income to assets | 0.9529% | 2,338 |
| Return on assets (ROA) | 0.9901% | 2,310 |
| Pretax return on assets | 1.2320% | 2,095 |
| Return on Equity (ROE) | 7.5714% | 2,700 |
| Retained earnings to average equity (ytd only) | 7.5714% | 1,354 |
| Net charge-offs to loans | 0.0648% | 1,372 |
| Credit loss provision to net charge-offs | 479.8387% | 908 |
| Earnings coverage of net charge-offs (x) | 29.8226% | 1,184 |
| Efficiency ratio | 56.1848% | 4,196 |
| Assets per employee ($millions) | 8.1803% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,550 |
| Loan loss allowance to noncurrent loans | 838.7040% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 4,091 |
| Noncurrent loans to loans | 0.1457% | 3,937 |
| Net loans and leases to total assets | 72.2464% | 1,879 |
| Net loans and leases to deposits | 88.4682% | 1,701 |
| Net loans and leases to core deposits | 110.9708% | 804 |
| Total domestic deposits to total assets | 81.6637% | 3,508 |
| Equity capital to assets | 12.9366% | 1,459 |
| Core capital (leverage) ratio | 13.1372% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6971% | 1,420 |
| Memoranda: | ||
| Average total assets | $1,047,117,000 | 792 |
| Average earning assets | $1,004,722,000 | 755 |
| Average equity | $136,937,000 | 709 |
| Average total loans | $765,671,000 | 775 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3334% | 772 |
| Cost of funding earning assets | 1.3935% | 578 |
| Net interest margin | 3.9399% | 2,031 |
| Noninterest income to average assets | 0.2025% | 4,447 |
| Noninterest expense to average assets | 1.9414% | 4,622 |
| Loan and lease loss provision to assets | 0.0581% | 2,872 |
| Net operating income to assets | 1.5652% | 907 |
| Return on assets (ROA) | 1.5797% | 936 |
| Pretax return on assets | 1.9785% | 628 |
| Return on Equity (ROE) | 11.9586% | 1,532 |
| Retained earnings to average equity (ytd only) | 11.9586% | 246 |
| Net charge-offs to loans | -0.0010% | 4,172 |
| Credit loss provision to net charge-offs | -8,000.0000% | 4,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0250% | 4,784 |
| Assets per employee ($millions) | 7.8662% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,331 |
| Loan loss allowance to noncurrent loans | 698.9256% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 4,008 |
| Noncurrent loans to loans | 0.1743% | 3,836 |
| Net loans and leases to total assets | 72.2120% | 2,058 |
| Net loans and leases to deposits | 86.9891% | 1,973 |
| Net loans and leases to core deposits | 108.4203% | 948 |
| Total domestic deposits to total assets | 83.0127% | 3,186 |
| Equity capital to assets | 13.2252% | 1,402 |
| Core capital (leverage) ratio | 13.1499% | 1,172 |
| Tier 1 risk-based capital ratio | 15.9913% | 2,410 |
| Total risk-based capital ratio | 17.0855% | 2,407 |
| Memoranda: | ||
| Average total assets | $963,493,400 | 812 |
| Average earning assets | $918,891,000 | 783 |
| Average equity | $127,272,600 | 721 |
| Average total loans | $721,572,800 | 790 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3111% | 843 |
| Cost of funding earning assets | 1.3627% | 654 |
| Net interest margin | 3.9484% | 2,107 |
| Noninterest income to average assets | 0.1869% | 4,602 |
| Noninterest expense to average assets | 1.9100% | 4,687 |
| Loan and lease loss provision to assets | 0.0787% | 2,335 |
| Net operating income to assets | 1.5652% | 1,009 |
| Return on assets (ROA) | 1.5871% | 1,008 |
| Pretax return on assets | 1.9879% | 706 |
| Return on Equity (ROE) | 12.0186% | 1,611 |
| Retained earnings to average equity (ytd only) | 12.0186% | 383 |
| Net charge-offs to loans | -0.0013% | 4,017 |
| Credit loss provision to net charge-offs | -8,000.0000% | 4,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3648% | 4,830 |
| Assets per employee ($millions) | 7.6889% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,396 |
| Loan loss allowance to noncurrent loans | 325.9485% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 3,425 |
| Noncurrent loans to loans | 0.3746% | 3,215 |
| Net loans and leases to total assets | 74.2805% | 1,762 |
| Net loans and leases to deposits | 88.3972% | 1,879 |
| Net loans and leases to core deposits | 110.7401% | 914 |
| Total domestic deposits to total assets | 84.0304% | 2,812 |
| Equity capital to assets | 13.2553% | 1,478 |
| Core capital (leverage) ratio | 13.3645% | 1,190 |
| Tier 1 risk-based capital ratio | 15.8225% | 2,507 |
| Total risk-based capital ratio | 16.9373% | 2,503 |
| Memoranda: | ||
| Average total assets | $948,714,500 | 827 |
| Average earning assets | $903,997,250 | 796 |
| Average equity | $125,280,250 | 725 |
| Average total loans | $715,077,750 | 797 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3209% | 780 |
| Cost of funding earning assets | 1.3006% | 735 |
| Net interest margin | 4.0203% | 1,857 |
| Noninterest income to average assets | 0.2209% | 4,420 |
| Noninterest expense to average assets | 1.9199% | 4,724 |
| Loan and lease loss provision to assets | 0.1199% | 1,561 |
| Net operating income to assets | 1.6017% | 911 |
| Return on assets (ROA) | 1.6234% | 902 |
| Pretax return on assets | 2.0333% | 638 |
| Return on Equity (ROE) | 12.3102% | 1,470 |
| Retained earnings to average equity (ytd only) | 12.3102% | 373 |
| Net charge-offs to loans | -0.0020% | 3,953 |
| Credit loss provision to net charge-offs | -8,000.0000% | 4,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4525% | 4,925 |
| Assets per employee ($millions) | 7.9297% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 2,218 |
| Loan loss allowance to noncurrent loans | 311.7768% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 3,360 |
| Noncurrent loans to loans | 0.4031% | 3,089 |
| Net loans and leases to total assets | 72.7718% | 2,100 |
| Net loans and leases to deposits | 85.6722% | 2,291 |
| Net loans and leases to core deposits | 105.8155% | 1,257 |
| Total domestic deposits to total assets | 84.9421% | 2,500 |
| Equity capital to assets | 12.9772% | 1,597 |
| Core capital (leverage) ratio | 13.4669% | 1,130 |
| Tier 1 risk-based capital ratio | 15.8274% | 2,487 |
| Total risk-based capital ratio | 16.9750% | 2,472 |
| Memoranda: | ||
| Average total assets | $934,329,670 | 832 |
| Average earning assets | $888,949,000 | 807 |
| Average equity | $123,215,330 | 729 |
| Average total loans | $704,813,000 | 808 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3812% | 657 |
| Cost of funding earning assets | 1.2232% | 843 |
| Net interest margin | 4.1580% | 1,408 |
| Noninterest income to average assets | 0.1222% | 4,999 |
| Noninterest expense to average assets | 1.9357% | 4,749 |
| Loan and lease loss provision to assets | 0.1319% | 1,319 |
| Net operating income to assets | 1.5984% | 901 |
| Return on assets (ROA) | 1.6139% | 903 |
| Pretax return on assets | 2.0236% | 617 |
| Return on Equity (ROE) | 12.1334% | 1,487 |
| Retained earnings to average equity (ytd only) | 12.1334% | 591 |
| Net charge-offs to loans | -0.0040% | 3,973 |
| Credit loss provision to net charge-offs | -4,285.7143% | 4,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5383% | 4,964 |
| Assets per employee ($millions) | 7.6267% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,289 |
| Loan loss allowance to noncurrent loans | 277.7708% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 3,212 |
| Noncurrent loans to loans | 0.4525% | 2,960 |
| Net loans and leases to total assets | 75.9433% | 1,494 |
| Net loans and leases to deposits | 89.6567% | 1,668 |
| Net loans and leases to core deposits | 108.8598% | 996 |
| Total domestic deposits to total assets | 84.7045% | 2,781 |
| Equity capital to assets | 13.4543% | 1,228 |
| Core capital (leverage) ratio | 13.6663% | 1,042 |
| Tier 1 risk-based capital ratio | 15.7311% | 2,557 |
| Total risk-based capital ratio | 16.8748% | 2,522 |
| Memoranda: | ||
| Average total assets | $909,851,500 | 860 |
| Average earning assets | $864,267,000 | 838 |
| Average equity | $121,021,500 | 739 |
| Average total loans | $694,888,500 | 824 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1203% | 812 |
| Cost of funding earning assets | 1.0079% | 730 |
| Net interest margin | 4.1123% | 1,646 |
| Noninterest income to average assets | 0.2270% | 4,555 |
| Noninterest expense to average assets | 1.9290% | 4,851 |
| Loan and lease loss provision to assets | 0.1019% | 2,155 |
| Net operating income to assets | 1.6738% | 731 |
| Return on assets (ROA) | 1.6633% | 745 |
| Pretax return on assets | 2.0782% | 462 |
| Return on Equity (ROE) | 12.7804% | 1,432 |
| Retained earnings to average equity (ytd only) | 12.7804% | 251 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7940% | 5,095 |
| Assets per employee ($millions) | 7.4140% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 2,324 |
| Loan loss allowance to noncurrent loans | 293.5717% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 3,269 |
| Noncurrent loans to loans | 0.4241% | 3,019 |
| Net loans and leases to total assets | 74.8872% | 1,786 |
| Net loans and leases to deposits | 88.9998% | 1,927 |
| Net loans and leases to core deposits | 105.3131% | 1,316 |
| Total domestic deposits to total assets | 84.1431% | 2,958 |
| Equity capital to assets | 13.1463% | 1,275 |
| Core capital (leverage) ratio | 13.3026% | 1,144 |
| Tier 1 risk-based capital ratio | 15.8387% | 2,476 |
| Total risk-based capital ratio | 16.9848% | 2,441 |
| Memoranda: | ||
| Average total assets | $857,297,400 | 886 |
| Average earning assets | $812,048,200 | 864 |
| Average equity | $111,569,200 | 768 |
| Average total loans | $657,913,800 | 833 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0360% | 873 |
| Cost of funding earning assets | 0.9464% | 760 |
| Net interest margin | 4.0896% | 1,657 |
| Noninterest income to average assets | 0.1668% | 4,953 |
| Noninterest expense to average assets | 1.8718% | 4,951 |
| Loan and lease loss provision to assets | 0.0667% | 2,646 |
| Net operating income to assets | 1.6801% | 784 |
| Return on assets (ROA) | 1.6607% | 823 |
| Pretax return on assets | 2.0760% | 515 |
| Return on Equity (ROE) | 12.7954% | 1,506 |
| Retained earnings to average equity (ytd only) | 12.7954% | 383 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3455% | 5,134 |
| Assets per employee ($millions) | 7.2862% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 2,662 |
| Loan loss allowance to noncurrent loans | 268.8269% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 3,295 |
| Noncurrent loans to loans | 0.4438% | 3,065 |
| Net loans and leases to total assets | 74.7464% | 1,863 |
| Net loans and leases to deposits | 89.2280% | 1,991 |
| Net loans and leases to core deposits | 106.2121% | 1,292 |
| Total domestic deposits to total assets | 83.7701% | 3,023 |
| Equity capital to assets | 12.8011% | 1,419 |
| Core capital (leverage) ratio | 13.2108% | 1,203 |
| Tier 1 risk-based capital ratio | 15.7399% | 2,556 |
| Total risk-based capital ratio | 16.8544% | 2,540 |
| Memoranda: | ||
| Average total assets | $845,496,000 | 897 |
| Average earning assets | $800,511,000 | 876 |
| Average equity | $109,734,250 | 777 |
| Average total loans | $650,918,000 | 840 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9659% | 880 |
| Cost of funding earning assets | 0.8688% | 833 |
| Net interest margin | 4.0972% | 1,572 |
| Noninterest income to average assets | 0.1344% | 5,138 |
| Noninterest expense to average assets | 1.8591% | 5,017 |
| Loan and lease loss provision to assets | 0.1021% | 1,901 |
| Net operating income to assets | 1.6410% | 820 |
| Return on assets (ROA) | 1.6186% | 885 |
| Pretax return on assets | 2.0225% | 579 |
| Return on Equity (ROE) | 12.4104% | 1,578 |
| Retained earnings to average equity (ytd only) | 12.4104% | 463 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3418% | 5,197 |
| Assets per employee ($millions) | 7.2146% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,526 |
| Loan loss allowance to noncurrent loans | 260.6832% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 3,259 |
| Noncurrent loans to loans | 0.4735% | 3,012 |
| Net loans and leases to total assets | 75.3855% | 1,741 |
| Net loans and leases to deposits | 92.5741% | 1,515 |
| Net loans and leases to core deposits | 109.6191% | 1,025 |
| Total domestic deposits to total assets | 81.4325% | 3,883 |
| Equity capital to assets | 12.9540% | 1,319 |
| Core capital (leverage) ratio | 13.2884% | 1,139 |
| Tier 1 risk-based capital ratio | 15.4098% | 2,686 |
| Total risk-based capital ratio | 16.5380% | 2,663 |
| Memoranda: | ||
| Average total assets | $828,593,000 | 921 |
| Average earning assets | $784,100,000 | 894 |
| Average equity | $108,071,000 | 789 |
| Average total loans | $641,900,670 | 850 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8101% | 1,064 |
| Cost of funding earning assets | 0.7785% | 1,058 |
| Net interest margin | 4.0315% | 1,618 |
| Noninterest income to average assets | 0.1386% | 5,173 |
| Noninterest expense to average assets | 1.8289% | 5,126 |
| Loan and lease loss provision to assets | 0.2080% | 784 |
| Net operating income to assets | 1.5303% | 1,008 |
| Return on assets (ROA) | 1.4985% | 1,083 |
| Pretax return on assets | 1.8706% | 777 |
| Return on Equity (ROE) | 11.4479% | 1,790 |
| Retained earnings to average equity (ytd only) | 11.4479% | 797 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3320% | 5,258 |
| Assets per employee ($millions) | 7.0175% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 2,577 |
| Loan loss allowance to noncurrent loans | 253.6532% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.3974% | 3,244 |
| Noncurrent loans to loans | 0.4889% | 3,055 |
| Net loans and leases to total assets | 78.4648% | 1,163 |
| Net loans and leases to deposits | 98.0553% | 855 |
| Net loans and leases to core deposits | 113.6150% | 822 |
| Total domestic deposits to total assets | 80.0210% | 4,413 |
| Equity capital to assets | 13.1043% | 1,190 |
| Core capital (leverage) ratio | 13.4237% | 1,030 |
| Tier 1 risk-based capital ratio | 15.2661% | 2,760 |
| Total risk-based capital ratio | 16.4214% | 2,732 |
| Memoranda: | ||
| Average total assets | $813,623,000 | 948 |
| Average earning assets | $768,638,000 | 922 |
| Average equity | $106,499,500 | 798 |
| Average total loans | $635,202,000 | 859 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 1,507 |
| Cost of funding earning assets | 0.7002% | 1,013 |
| Net interest margin | 3.8739% | 2,172 |
| Noninterest income to average assets | 0.1673% | 5,120 |
| Noninterest expense to average assets | 1.8745% | 5,152 |
| Loan and lease loss provision to assets | 0.0350% | 3,569 |
| Net operating income to assets | 1.1371% | 1,723 |
| Return on assets (ROA) | 1.1371% | 1,759 |
| Pretax return on assets | 1.9386% | 560 |
| Return on Equity (ROE) | 8.6614% | 2,469 |
| Retained earnings to average equity (ytd only) | 8.6614% | 570 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7131% | 5,276 |
| Assets per employee ($millions) | 7.1345% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 2,533 |
| Loan loss allowance to noncurrent loans | 245.4691% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 3,267 |
| Noncurrent loans to loans | 0.5053% | 3,006 |
| Net loans and leases to total assets | 75.7153% | 1,648 |
| Net loans and leases to deposits | 94.1726% | 1,251 |
| Net loans and leases to core deposits | 107.6080% | 1,164 |
| Total domestic deposits to total assets | 80.4005% | 4,264 |
| Equity capital to assets | 13.0745% | 1,228 |
| Core capital (leverage) ratio | 13.0193% | 1,136 |
| Tier 1 risk-based capital ratio | 15.5586% | 2,600 |
| Total risk-based capital ratio | 16.7077% | 2,576 |
| Memoranda: | ||
| Average total assets | $772,422,600 | 963 |
| Average earning assets | $733,913,800 | 935 |
| Average equity | $101,403,600 | 811 |
| Average total loans | $580,050,000 | 885 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5136% | 1,605 |
| Cost of funding earning assets | 0.6833% | 1,053 |
| Net interest margin | 3.8302% | 2,286 |
| Noninterest income to average assets | 0.1377% | 5,318 |
| Noninterest expense to average assets | 1.8487% | 5,206 |
| Loan and lease loss provision to assets | 0.0471% | 3,161 |
| Net operating income to assets | 1.2845% | 1,389 |
| Return on assets (ROA) | 1.2845% | 1,415 |
| Pretax return on assets | 1.8848% | 711 |
| Return on Equity (ROE) | 9.7737% | 2,221 |
| Retained earnings to average equity (ytd only) | 9.7737% | 636 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8990% | 5,296 |
| Assets per employee ($millions) | 7.0651% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 2,446 |
| Loan loss allowance to noncurrent loans | 211.3010% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 3,196 |
| Noncurrent loans to loans | 0.6068% | 2,890 |
| Net loans and leases to total assets | 73.2855% | 2,047 |
| Net loans and leases to deposits | 89.3569% | 1,886 |
| Net loans and leases to core deposits | 101.1152% | 1,613 |
| Total domestic deposits to total assets | 82.0144% | 3,776 |
| Equity capital to assets | 12.9600% | 1,405 |
| Core capital (leverage) ratio | 13.0257% | 1,199 |
| Tier 1 risk-based capital ratio | 15.4554% | 2,723 |
| Total risk-based capital ratio | 16.6127% | 2,709 |
| Memoranda: | ||
| Average total assets | $763,979,750 | 973 |
| Average earning assets | $726,622,250 | 949 |
| Average equity | $100,403,000 | 822 |
| Average total loans | $570,543,000 | 895 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4755% | 1,587 |
| Cost of funding earning assets | 0.6588% | 1,096 |
| Net interest margin | 3.8167% | 2,229 |
| Noninterest income to average assets | 0.1360% | 5,372 |
| Noninterest expense to average assets | 1.8649% | 5,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2944% | 1,313 |
| Return on assets (ROA) | 1.2944% | 1,337 |
| Pretax return on assets | 1.8993% | 654 |
| Return on Equity (ROE) | 9.8005% | 2,124 |
| Retained earnings to average equity (ytd only) | 9.8005% | 621 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5432% | 5,329 |
| Assets per employee ($millions) | 6.9366% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 2,516 |
| Loan loss allowance to noncurrent loans | 237.2033% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 3,466 |
| Noncurrent loans to loans | 0.5390% | 3,137 |
| Net loans and leases to total assets | 73.5037% | 1,963 |
| Net loans and leases to deposits | 90.5113% | 1,661 |
| Net loans and leases to core deposits | 102.3167% | 1,484 |
| Total domestic deposits to total assets | 81.2094% | 4,127 |
| Equity capital to assets | 13.1245% | 1,314 |
| Core capital (leverage) ratio | 13.3568% | 1,034 |
| Tier 1 risk-based capital ratio | 15.8623% | 2,559 |
| Total risk-based capital ratio | 17.0372% | 2,525 |
| Memoranda: | ||
| Average total assets | $750,167,330 | 994 |
| Average earning assets | $713,134,000 | 970 |
| Average equity | $99,076,670 | 835 |
| Average total loans | $561,417,330 | 915 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 1,409 |
| Cost of funding earning assets | 0.6438% | 1,105 |
| Net interest margin | 3.8416% | 1,978 |
| Noninterest income to average assets | 0.1384% | 5,420 |
| Noninterest expense to average assets | 1.8512% | 5,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3143% | 1,204 |
| Return on assets (ROA) | 1.3143% | 1,238 |
| Pretax return on assets | 1.9349% | 578 |
| Return on Equity (ROE) | 9.9188% | 1,996 |
| Retained earnings to average equity (ytd only) | 9.9188% | 827 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8959% | 5,423 |
| Assets per employee ($millions) | 7.1180% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 2,467 |
| Loan loss allowance to noncurrent loans | 231.4867% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4333% | 3,460 |
| Noncurrent loans to loans | 0.5677% | 3,105 |
| Net loans and leases to total assets | 73.6144% | 1,802 |
| Net loans and leases to deposits | 90.9625% | 1,430 |
| Net loans and leases to core deposits | 102.9827% | 1,295 |
| Total domestic deposits to total assets | 80.9283% | 4,427 |
| Equity capital to assets | 13.1122% | 1,215 |
| Core capital (leverage) ratio | 13.4173% | 999 |
| Tier 1 risk-based capital ratio | 16.0926% | 2,508 |
| Total risk-based capital ratio | 17.3139% | 2,475 |
| Memoranda: | ||
| Average total assets | $736,801,000 | 1,007 |
| Average earning assets | $699,600,000 | 986 |
| Average equity | $97,633,000 | 842 |
| Average total loans | $552,903,000 | 932 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5349% | 1,436 |
| Cost of funding earning assets | 0.5798% | 1,488 |
| Net interest margin | 3.9551% | 1,770 |
| Noninterest income to average assets | 0.1556% | 5,430 |
| Noninterest expense to average assets | 2.0066% | 5,174 |
| Loan and lease loss provision to assets | 0.2326% | 930 |
| Net operating income to assets | 1.1401% | 1,731 |
| Return on assets (ROA) | 1.1410% | 1,821 |
| Pretax return on assets | 1.6553% | 1,121 |
| Return on Equity (ROE) | 8.1900% | 2,839 |
| Retained earnings to average equity (ytd only) | 8.1900% | 790 |
| Net charge-offs to loans | 0.0034% | 4,144 |
| Credit loss provision to net charge-offs | 9,182.3529% | 46 |
| Earnings coverage of net charge-offs (x) | 744.7059% | 102 |
| Efficiency ratio | 51.5425% | 5,410 |
| Assets per employee ($millions) | 6.6583% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 2,254 |
| Loan loss allowance to noncurrent loans | 225.3504% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 3,391 |
| Noncurrent loans to loans | 0.6044% | 3,037 |
| Net loans and leases to total assets | 74.4809% | 1,770 |
| Net loans and leases to deposits | 92.5971% | 1,361 |
| Net loans and leases to core deposits | 102.7856% | 1,384 |
| Total domestic deposits to total assets | 80.4355% | 4,466 |
| Equity capital to assets | 13.3965% | 1,091 |
| Core capital (leverage) ratio | 13.7342% | 889 |
| Tier 1 risk-based capital ratio | 15.9737% | 2,557 |
| Total risk-based capital ratio | 17.2162% | 2,496 |
| Memoranda: | ||
| Average total assets | $671,076,400 | 1,056 |
| Average earning assets | $634,174,000 | 1,025 |
| Average equity | $93,491,600 | 854 |
| Average total loans | $503,505,800 | 971 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 1,384 |
| Cost of funding earning assets | 0.5727% | 1,526 |
| Net interest margin | 3.9866% | 1,697 |
| Noninterest income to average assets | 0.1519% | 5,508 |
| Noninterest expense to average assets | 2.0523% | 5,103 |
| Loan and lease loss provision to assets | 0.1792% | 1,242 |
| Net operating income to assets | 1.1610% | 1,763 |
| Return on assets (ROA) | 1.1622% | 1,862 |
| Pretax return on assets | 1.6866% | 1,150 |
| Return on Equity (ROE) | 8.2558% | 2,877 |
| Retained earnings to average equity (ytd only) | 8.2558% | 1,062 |
| Net charge-offs to loans | 0.0046% | 3,756 |
| Credit loss provision to net charge-offs | 5,211.7647% | 103 |
| Earnings coverage of net charge-offs (x) | 541.9069% | 166 |
| Efficiency ratio | 52.4046% | 5,357 |
| Assets per employee ($millions) | 6.5439% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,892 |
| Loan loss allowance to noncurrent loans | 200.7467% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 3,472 |
| Noncurrent loans to loans | 0.6280% | 3,128 |
| Net loans and leases to total assets | 75.8849% | 1,537 |
| Net loans and leases to deposits | 94.3914% | 1,222 |
| Net loans and leases to core deposits | 103.1331% | 1,406 |
| Total domestic deposits to total assets | 80.3939% | 4,417 |
| Equity capital to assets | 13.8291% | 1,105 |
| Core capital (leverage) ratio | 13.8125% | 903 |
| Tier 1 risk-based capital ratio | 15.9653% | 2,638 |
| Total risk-based capital ratio | 17.1173% | 2,619 |
| Memoranda: | ||
| Average total assets | $659,072,500 | 1,077 |
| Average earning assets | $622,340,250 | 1,048 |
| Average equity | $92,781,250 | 861 |
| Average total loans | $493,636,750 | 988 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 1,420 |
| Cost of funding earning assets | 0.5638% | 1,588 |
| Net interest margin | 3.9703% | 1,739 |
| Noninterest income to average assets | 0.1452% | 5,583 |
| Noninterest expense to average assets | 2.0928% | 5,073 |
| Loan and lease loss provision to assets | 0.0852% | 2,445 |
| Net operating income to assets | 1.1761% | 1,682 |
| Return on assets (ROA) | 1.1761% | 1,779 |
| Pretax return on assets | 1.7105% | 1,063 |
| Return on Equity (ROE) | 8.3024% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.3024% | 1,070 |
| Net charge-offs to loans | 0.0075% | 3,428 |
| Credit loss provision to net charge-offs | 1,533.3333% | 260 |
| Earnings coverage of net charge-offs (x) | 323.0000% | 209 |
| Efficiency ratio | 53.8205% | 5,324 |
| Assets per employee ($millions) | 6.1989% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 3,411 |
| Loan loss allowance to noncurrent loans | 178.0303% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5189% | 3,481 |
| Noncurrent loans to loans | 0.6695% | 3,062 |
| Net loans and leases to total assets | 74.9676% | 1,654 |
| Net loans and leases to deposits | 93.4483% | 1,348 |
| Net loans and leases to core deposits | 102.1065% | 1,461 |
| Total domestic deposits to total assets | 80.2236% | 4,490 |
| Equity capital to assets | 13.9207% | 1,053 |
| Core capital (leverage) ratio | 14.0077% | 820 |
| Tier 1 risk-based capital ratio | 16.3384% | 2,487 |
| Total risk-based capital ratio | 17.4344% | 2,502 |
| Memoranda: | ||
| Average total assets | $647,544,000 | 1,098 |
| Average earning assets | $610,532,000 | 1,069 |
| Average equity | $91,732,670 | 873 |
| Average total loans | $480,481,330 | 1,011 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 1,818 |
| Cost of funding earning assets | 0.5534% | 1,672 |
| Net interest margin | 3.8401% | 2,143 |
| Noninterest income to average assets | 0.1478% | 5,601 |
| Noninterest expense to average assets | 2.1040% | 5,109 |
| Loan and lease loss provision to assets | 0.1743% | 1,171 |
| Net operating income to assets | 1.0223% | 2,187 |
| Return on assets (ROA) | 1.0223% | 2,305 |
| Pretax return on assets | 1.4757% | 1,671 |
| Return on Equity (ROE) | 7.1503% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.1503% | 1,818 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0471% | 5,186 |
| Assets per employee ($millions) | 6.0847% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 3,232 |
| Loan loss allowance to noncurrent loans | 92.8626% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.0346% | 2,144 |
| Noncurrent loans to loans | 1.3404% | 1,780 |
| Net loans and leases to total assets | 75.3792% | 1,493 |
| Net loans and leases to deposits | 93.6823% | 1,176 |
| Net loans and leases to core deposits | 101.5017% | 1,373 |
| Total domestic deposits to total assets | 80.4627% | 4,648 |
| Equity capital to assets | 14.1829% | 922 |
| Core capital (leverage) ratio | 14.4535% | 706 |
| Tier 1 risk-based capital ratio | 16.4292% | 2,506 |
| Total risk-based capital ratio | 17.5612% | 2,508 |
| Memoranda: | ||
| Average total assets | $633,474,500 | 1,119 |
| Average earning assets | $594,880,000 | 1,093 |
| Average equity | $90,569,000 | 881 |
| Average total loans | $464,395,500 | 1,036 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3761% | 1,981 |
| Cost of funding earning assets | 0.4866% | 2,295 |
| Net interest margin | 3.8895% | 2,067 |
| Noninterest income to average assets | 0.1896% | 5,459 |
| Noninterest expense to average assets | 2.1400% | 5,171 |
| Loan and lease loss provision to assets | -0.0670% | 5,780 |
| Net operating income to assets | 1.2138% | 1,506 |
| Return on assets (ROA) | 1.2163% | 1,559 |
| Pretax return on assets | 1.7502% | 891 |
| Return on Equity (ROE) | 8.4371% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.4371% | 792 |
| Net charge-offs to loans | -0.0681% | 5,656 |
| Credit loss provision to net charge-offs | 142.8571% | 1,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0282% | 5,340 |
| Assets per employee ($millions) | 5.8676% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 2,706 |
| Loan loss allowance to noncurrent loans | 87.7756% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.0838% | 2,026 |
| Noncurrent loans to loans | 1.5274% | 1,523 |
| Net loans and leases to total assets | 69.2366% | 2,496 |
| Net loans and leases to deposits | 86.3500% | 2,081 |
| Net loans and leases to core deposits | 93.2275% | 2,113 |
| Total domestic deposits to total assets | 80.1813% | 4,701 |
| Equity capital to assets | 14.4157% | 795 |
| Core capital (leverage) ratio | 14.1713% | 780 |
| Tier 1 risk-based capital ratio | 16.6363% | 2,411 |
| Total risk-based capital ratio | 17.7526% | 2,438 |
| Memoranda: | ||
| Average total assets | $596,969,800 | 1,141 |
| Average earning assets | $557,121,000 | 1,131 |
| Average equity | $86,060,400 | 885 |
| Average total loans | $410,954,200 | 1,119 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3636% | 2,034 |
| Cost of funding earning assets | 0.4667% | 2,519 |
| Net interest margin | 3.8969% | 2,044 |
| Noninterest income to average assets | 0.1919% | 5,510 |
| Noninterest expense to average assets | 2.1142% | 5,247 |
| Loan and lease loss provision to assets | -0.0903% | 5,981 |
| Net operating income to assets | 1.2491% | 1,489 |
| Return on assets (ROA) | 1.2515% | 1,532 |
| Pretax return on assets | 1.8050% | 891 |
| Return on Equity (ROE) | 8.6815% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.6815% | 1,006 |
| Net charge-offs to loans | -0.0481% | 5,534 |
| Credit loss provision to net charge-offs | 273.9726% | 1,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2691% | 5,428 |
| Assets per employee ($millions) | 5.9170% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 2,779 |
| Loan loss allowance to noncurrent loans | 89.2322% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.0335% | 2,285 |
| Noncurrent loans to loans | 1.5265% | 1,641 |
| Net loans and leases to total assets | 66.0192% | 3,010 |
| Net loans and leases to deposits | 81.9464% | 2,652 |
| Net loans and leases to core deposits | 88.4306% | 2,621 |
| Total domestic deposits to total assets | 80.5638% | 4,591 |
| Equity capital to assets | 13.9992% | 1,022 |
| Core capital (leverage) ratio | 14.1485% | 824 |
| Tier 1 risk-based capital ratio | 17.9974% | 2,028 |
| Total risk-based capital ratio | 19.2006% | 2,005 |
| Memoranda: | ||
| Average total assets | $590,720,000 | 1,160 |
| Average earning assets | $550,780,250 | 1,148 |
| Average equity | $85,160,250 | 902 |
| Average total loans | $404,572,250 | 1,138 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3917% | 1,878 |
| Cost of funding earning assets | 0.4493% | 2,735 |
| Net interest margin | 3.9424% | 1,845 |
| Noninterest income to average assets | 0.1960% | 5,510 |
| Noninterest expense to average assets | 2.1156% | 5,305 |
| Loan and lease loss provision to assets | -0.1383% | 6,119 |
| Net operating income to assets | 1.3060% | 1,306 |
| Return on assets (ROA) | 1.3098% | 1,352 |
| Pretax return on assets | 1.8947% | 738 |
| Return on Equity (ROE) | 8.9916% | 2,552 |
| Retained earnings to average equity (ytd only) | 8.9916% | 928 |
| Net charge-offs to loans | -0.0731% | 5,677 |
| Credit loss provision to net charge-offs | 273.9726% | 986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7161% | 5,525 |
| Assets per employee ($millions) | 5.7195% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 2,834 |
| Loan loss allowance to noncurrent loans | 85.8687% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.1106% | 2,284 |
| Noncurrent loans to loans | 1.6122% | 1,628 |
| Net loans and leases to total assets | 67.1837% | 2,772 |
| Net loans and leases to deposits | 82.5962% | 2,482 |
| Net loans and leases to core deposits | 88.8268% | 2,471 |
| Total domestic deposits to total assets | 81.3398% | 4,506 |
| Equity capital to assets | 14.1709% | 926 |
| Core capital (leverage) ratio | 14.9841% | 615 |
| Tier 1 risk-based capital ratio | 17.9309% | 2,079 |
| Total risk-based capital ratio | 19.1545% | 2,049 |
| Memoranda: | ||
| Average total assets | $578,557,670 | 1,186 |
| Average earning assets | $538,655,330 | 1,179 |
| Average equity | $84,279,000 | 910 |
| Average total loans | $399,498,000 | 1,153 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5225% | 1,400 |
| Cost of funding earning assets | 0.4446% | 2,829 |
| Net interest margin | 4.0779% | 1,336 |
| Noninterest income to average assets | 0.1856% | 5,598 |
| Noninterest expense to average assets | 2.1158% | 5,345 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2799% | 1,338 |
| Return on assets (ROA) | 1.2878% | 1,400 |
| Pretax return on assets | 1.8622% | 769 |
| Return on Equity (ROE) | 8.7129% | 2,596 |
| Retained earnings to average equity (ytd only) | 8.7129% | 1,305 |
| Net charge-offs to loans | -0.0713% | 5,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3393% | 5,726 |
| Assets per employee ($millions) | 5.4599% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 2,347 |
| Loan loss allowance to noncurrent loans | 79.6992% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.3481% | 1,974 |
| Noncurrent loans to loans | 1.9140% | 1,400 |
| Net loans and leases to total assets | 68.6886% | 2,333 |
| Net loans and leases to deposits | 81.3129% | 2,405 |
| Net loans and leases to core deposits | 86.5754% | 2,487 |
| Total domestic deposits to total assets | 84.4743% | 3,625 |
| Equity capital to assets | 14.8751% | 739 |
| Core capital (leverage) ratio | 14.9549% | 618 |
| Tier 1 risk-based capital ratio | 18.4592% | 2,017 |
| Total risk-based capital ratio | 19.7108% | 1,962 |
| Memoranda: | ||
| Average total assets | $564,704,000 | 1,220 |
| Average earning assets | $523,602,500 | 1,218 |
| Average equity | $83,462,000 | 917 |
| Average total loans | $392,732,500 | 1,165 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2626% | 2,730 |
| Cost of funding earning assets | 0.4619% | 3,053 |
| Net interest margin | 3.8007% | 2,621 |
| Noninterest income to average assets | 0.3417% | 4,656 |
| Noninterest expense to average assets | 2.2288% | 5,284 |
| Loan and lease loss provision to assets | -0.2346% | 6,323 |
| Net operating income to assets | 1.3257% | 1,251 |
| Return on assets (ROA) | 1.3288% | 1,287 |
| Pretax return on assets | 1.9111% | 625 |
| Return on Equity (ROE) | 9.6597% | 2,268 |
| Retained earnings to average equity (ytd only) | 9.6597% | 573 |
| Net charge-offs to loans | -0.4841% | 6,389 |
| Credit loss provision to net charge-offs | 80.0360% | 2,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1371% | 5,552 |
| Assets per employee ($millions) | 5.2484% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 2,324 |
| Loan loss allowance to noncurrent loans | 86.0023% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.2497% | 2,258 |
| Noncurrent loans to loans | 1.7833% | 1,613 |
| Net loans and leases to total assets | 68.2749% | 2,519 |
| Net loans and leases to deposits | 80.3951% | 2,673 |
| Net loans and leases to core deposits | 84.6415% | 2,831 |
| Total domestic deposits to total assets | 84.9242% | 3,317 |
| Equity capital to assets | 14.6834% | 762 |
| Core capital (leverage) ratio | 14.4809% | 704 |
| Tier 1 risk-based capital ratio | 18.3279% | 2,042 |
| Total risk-based capital ratio | 19.5791% | 2,004 |
| Memoranda: | ||
| Average total assets | $569,139,200 | 1,161 |
| Average earning assets | $532,961,200 | 1,134 |
| Average equity | $78,294,600 | 935 |
| Average total loans | $344,549,200 | 1,276 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 3,020 |
| Cost of funding earning assets | 0.4644% | 3,104 |
| Net interest margin | 3.7277% | 2,915 |
| Noninterest income to average assets | 0.3862% | 4,344 |
| Noninterest expense to average assets | 2.2002% | 5,350 |
| Loan and lease loss provision to assets | -0.3117% | 6,471 |
| Net operating income to assets | 1.3848% | 1,163 |
| Return on assets (ROA) | 1.3890% | 1,197 |
| Pretax return on assets | 2.0010% | 567 |
| Return on Equity (ROE) | 10.2672% | 2,084 |
| Retained earnings to average equity (ytd only) | 10.2672% | 641 |
| Net charge-offs to loans | -0.6072% | 6,476 |
| Credit loss provision to net charge-offs | 87.9447% | 2,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6558% | 5,594 |
| Assets per employee ($millions) | 5.0926% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 2,378 |
| Loan loss allowance to noncurrent loans | 86.3414% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.1952% | 2,569 |
| Noncurrent loans to loans | 1.8283% | 1,755 |
| Net loans and leases to total assets | 63.6398% | 3,238 |
| Net loans and leases to deposits | 74.5135% | 3,370 |
| Net loans and leases to core deposits | 78.3554% | 3,501 |
| Total domestic deposits to total assets | 85.4070% | 3,155 |
| Equity capital to assets | 14.1044% | 971 |
| Core capital (leverage) ratio | 14.1697% | 803 |
| Tier 1 risk-based capital ratio | 18.6957% | 1,989 |
| Total risk-based capital ratio | 19.9473% | 1,954 |
| Memoranda: | ||
| Average total assets | $571,030,500 | 1,165 |
| Average earning assets | $535,718,500 | 1,139 |
| Average equity | $77,253,750 | 951 |
| Average total loans | $333,340,000 | 1,314 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2514% | 2,766 |
| Cost of funding earning assets | 0.4670% | 3,138 |
| Net interest margin | 3.7844% | 2,619 |
| Noninterest income to average assets | 0.4797% | 3,636 |
| Noninterest expense to average assets | 2.2032% | 5,402 |
| Loan and lease loss provision to assets | -0.4674% | 6,580 |
| Net operating income to assets | 1.5878% | 722 |
| Return on assets (ROA) | 1.5941% | 742 |
| Pretax return on assets | 2.3111% | 299 |
| Return on Equity (ROE) | 11.9519% | 1,437 |
| Retained earnings to average equity (ytd only) | 11.9519% | 430 |
| Net charge-offs to loans | -0.9244% | 6,570 |
| Credit loss provision to net charge-offs | 89.8385% | 2,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5652% | 5,866 |
| Assets per employee ($millions) | 5.1510% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7406% | 2,004 |
| Loan loss allowance to noncurrent loans | 82.3496% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.2187% | 2,652 |
| Noncurrent loans to loans | 2.1136% | 1,571 |
| Net loans and leases to total assets | 56.6565% | 4,166 |
| Net loans and leases to deposits | 66.0215% | 4,267 |
| Net loans and leases to core deposits | 68.9107% | 4,375 |
| Total domestic deposits to total assets | 85.8152% | 3,142 |
| Equity capital to assets | 13.6856% | 1,090 |
| Core capital (leverage) ratio | 13.9183% | 861 |
| Tier 1 risk-based capital ratio | 19.9087% | 1,708 |
| Total risk-based capital ratio | 21.1619% | 1,676 |
| Memoranda: | ||
| Average total assets | $571,248,670 | 1,157 |
| Average earning assets | $537,093,330 | 1,129 |
| Average equity | $76,189,000 | 964 |
| Average total loans | $321,517,330 | 1,355 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 1,641 |
| Cost of funding earning assets | 0.4818% | 3,095 |
| Net interest margin | 4.0683% | 1,549 |
| Noninterest income to average assets | 0.7649% | 1,888 |
| Noninterest expense to average assets | 2.2293% | 5,388 |
| Loan and lease loss provision to assets | -0.9395% | 6,704 |
| Net operating income to assets | 2.2282% | 224 |
| Return on assets (ROA) | 2.2406% | 230 |
| Pretax return on assets | 3.3145% | 115 |
| Return on Equity (ROE) | 17.0253% | 533 |
| Retained earnings to average equity (ytd only) | 17.0253% | 223 |
| Net charge-offs to loans | -1.6914% | 6,659 |
| Credit loss provision to net charge-offs | 99.9251% | 1,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6113% | 6,328 |
| Assets per employee ($millions) | 5.2673% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 2,215 |
| Loan loss allowance to noncurrent loans | 49.1803% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 2.0348% | 1,669 |
| Noncurrent loans to loans | 3.5438% | 815 |
| Net loans and leases to total assets | 56.4167% | 4,091 |
| Net loans and leases to deposits | 65.8692% | 4,115 |
| Net loans and leases to core deposits | 68.7386% | 4,235 |
| Total domestic deposits to total assets | 85.6495% | 3,532 |
| Equity capital to assets | 13.6200% | 1,067 |
| Core capital (leverage) ratio | 13.6524% | 933 |
| Tier 1 risk-based capital ratio | 20.3391% | 1,635 |
| Total risk-based capital ratio | 21.5924% | 1,601 |
| Memoranda: | ||
| Average total assets | $568,417,000 | 1,169 |
| Average earning assets | $533,884,000 | 1,149 |
| Average equity | $74,806,500 | 980 |
| Average total loans | $315,952,000 | 1,379 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7319% | 5,030 |
| Cost of funding earning assets | 0.5701% | 2,924 |
| Net interest margin | 3.1619% | 5,121 |
| Noninterest income to average assets | 0.1171% | 6,330 |
| Noninterest expense to average assets | 1.9351% | 6,131 |
| Loan and lease loss provision to assets | -0.1150% | 6,506 |
| Net operating income to assets | 0.9196% | 2,685 |
| Return on assets (ROA) | 0.9434% | 2,668 |
| Pretax return on assets | 1.3128% | 2,100 |
| Return on Equity (ROE) | 7.4665% | 3,310 |
| Retained earnings to average equity (ytd only) | 7.4665% | 1,249 |
| Net charge-offs to loans | -0.1376% | 6,547 |
| Credit loss provision to net charge-offs | 162.0948% | 1,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4265% | 5,134 |
| Assets per employee ($millions) | 5.4593% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8291% | 1,978 |
| Loan loss allowance to noncurrent loans | 50.5377% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 1.9465% | 1,855 |
| Noncurrent loans to loans | 3.6192% | 841 |
| Net loans and leases to total assets | 52.7988% | 4,749 |
| Net loans and leases to deposits | 60.8469% | 4,854 |
| Net loans and leases to core deposits | 63.4715% | 4,923 |
| Total domestic deposits to total assets | 86.7732% | 2,845 |
| Equity capital to assets | 12.7087% | 1,418 |
| Core capital (leverage) ratio | 12.5675% | 1,323 |
| Tier 1 risk-based capital ratio | 20.2034% | 1,611 |
| Total risk-based capital ratio | 21.4573% | 1,578 |
| Memoranda: | ||
| Average total assets | $565,290,800 | 1,170 |
| Average earning assets | $533,261,000 | 1,134 |
| Average equity | $71,426,000 | 996 |
| Average total loans | $291,524,000 | 1,456 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7210% | 5,108 |
| Cost of funding earning assets | 0.5799% | 2,994 |
| Net interest margin | 3.1411% | 5,185 |
| Noninterest income to average assets | 0.1041% | 6,467 |
| Noninterest expense to average assets | 1.9411% | 6,114 |
| Loan and lease loss provision to assets | -0.1539% | 6,681 |
| Net operating income to assets | 0.9225% | 2,728 |
| Return on assets (ROA) | 0.9543% | 2,674 |
| Pretax return on assets | 1.3264% | 2,227 |
| Return on Equity (ROE) | 7.5642% | 3,342 |
| Retained earnings to average equity (ytd only) | 7.5642% | 1,612 |
| Net charge-offs to loans | -0.0715% | 6,413 |
| Credit loss provision to net charge-offs | 422.0779% | 631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2403% | 4,933 |
| Assets per employee ($millions) | 5.7371% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8814% | 2,057 |
| Loan loss allowance to noncurrent loans | 47.4899% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 1.9573% | 2,073 |
| Noncurrent loans to loans | 3.9616% | 889 |
| Net loans and leases to total assets | 48.0539% | 5,341 |
| Net loans and leases to deposits | 55.1722% | 5,442 |
| Net loans and leases to core deposits | 57.4217% | 5,495 |
| Total domestic deposits to total assets | 87.0980% | 2,636 |
| Equity capital to assets | 12.2410% | 1,754 |
| Core capital (leverage) ratio | 12.6402% | 1,353 |
| Tier 1 risk-based capital ratio | 20.5805% | 1,583 |
| Total risk-based capital ratio | 21.8343% | 1,557 |
| Memoranda: | ||
| Average total assets | $563,305,750 | 1,189 |
| Average earning assets | $531,773,000 | 1,152 |
| Average equity | $71,070,000 | 1,008 |
| Average total loans | $287,330,500 | 1,478 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 4,831 |
| Cost of funding earning assets | 0.5869% | 3,062 |
| Net interest margin | 3.2135% | 4,897 |
| Noninterest income to average assets | 0.1162% | 6,472 |
| Noninterest expense to average assets | 1.8367% | 6,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9415% | 2,609 |
| Return on assets (ROA) | 0.9899% | 2,516 |
| Pretax return on assets | 1.3798% | 2,004 |
| Return on Equity (ROE) | 7.7650% | 3,209 |
| Retained earnings to average equity (ytd only) | 7.7650% | 1,578 |
| Net charge-offs to loans | -0.1064% | 6,518 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3210% | 5,687 |
| Assets per employee ($millions) | 5.8357% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1609% | 1,510 |
| Loan loss allowance to noncurrent loans | 51.7652% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 2.1047% | 2,048 |
| Noncurrent loans to loans | 4.1744% | 903 |
| Net loans and leases to total assets | 48.3191% | 5,299 |
| Net loans and leases to deposits | 55.5994% | 5,379 |
| Net loans and leases to core deposits | 57.9186% | 5,428 |
| Total domestic deposits to total assets | 86.9057% | 2,882 |
| Equity capital to assets | 12.5459% | 1,549 |
| Core capital (leverage) ratio | 12.9070% | 1,200 |
| Tier 1 risk-based capital ratio | 21.3901% | 1,403 |
| Total risk-based capital ratio | 22.6474% | 1,374 |
| Memoranda: | ||
| Average total assets | $556,011,330 | 1,202 |
| Average earning assets | $524,786,330 | 1,165 |
| Average equity | $70,882,330 | 1,016 |
| Average total loans | $287,574,670 | 1,470 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8565% | 4,628 |
| Cost of funding earning assets | 0.5910% | 3,191 |
| Net interest margin | 3.2655% | 4,655 |
| Noninterest income to average assets | 0.0668% | 6,681 |
| Noninterest expense to average assets | 1.8556% | 6,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9300% | 2,524 |
| Return on assets (ROA) | 0.9300% | 2,662 |
| Pretax return on assets | 1.2879% | 2,267 |
| Return on Equity (ROE) | 7.2358% | 3,361 |
| Retained earnings to average equity (ytd only) | 7.2358% | 2,055 |
| Net charge-offs to loans | -0.0027% | 5,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0300% | 5,714 |
| Assets per employee ($millions) | 5.8332% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0678% | 1,871 |
| Loan loss allowance to noncurrent loans | 49.4750% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 2.3315% | 1,994 |
| Noncurrent loans to loans | 4.1794% | 1,054 |
| Net loans and leases to total assets | 50.8753% | 4,867 |
| Net loans and leases to deposits | 58.8530% | 4,931 |
| Net loans and leases to core deposits | 61.1564% | 5,036 |
| Total domestic deposits to total assets | 86.4448% | 3,277 |
| Equity capital to assets | 12.9775% | 1,435 |
| Core capital (leverage) ratio | 12.8383% | 1,181 |
| Tier 1 risk-based capital ratio | 21.2204% | 1,485 |
| Total risk-based capital ratio | 22.4862% | 1,457 |
| Memoranda: | ||
| Average total assets | $550,985,000 | 1,228 |
| Average earning assets | $519,124,000 | 1,198 |
| Average equity | $70,814,500 | 1,031 |
| Average total loans | $291,583,000 | 1,449 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 5,238 |
| Cost of funding earning assets | 0.7007% | 3,489 |
| Net interest margin | 3.3195% | 5,185 |
| Noninterest income to average assets | -0.0534% | 6,887 |
| Noninterest expense to average assets | 2.0068% | 6,313 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7491% | 3,517 |
| Return on assets (ROA) | 0.8285% | 3,401 |
| Pretax return on assets | 1.1606% | 2,949 |
| Return on Equity (ROE) | 6.5444% | 3,887 |
| Retained earnings to average equity (ytd only) | 6.5444% | 1,794 |
| Net charge-offs to loans | 0.3719% | 2,770 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 5.0708% | 3,156 |
| Efficiency ratio | 65.6760% | 4,566 |
| Assets per employee ($millions) | 5.7672% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9737% | 2,090 |
| Loan loss allowance to noncurrent loans | 50.6016% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 2.3152% | 2,122 |
| Noncurrent loans to loans | 3.9005% | 1,238 |
| Net loans and leases to total assets | 52.8183% | 4,785 |
| Net loans and leases to deposits | 60.9080% | 4,926 |
| Net loans and leases to core deposits | 62.9938% | 5,064 |
| Total domestic deposits to total assets | 86.7182% | 2,981 |
| Equity capital to assets | 12.7284% | 1,579 |
| Core capital (leverage) ratio | 12.3274% | 1,390 |
| Tier 1 risk-based capital ratio | 20.7741% | 1,509 |
| Total risk-based capital ratio | 22.0413% | 1,473 |
| Memoranda: | ||
| Average total assets | $539,558,200 | 1,238 |
| Average earning assets | $505,349,000 | 1,197 |
| Average equity | $68,302,400 | 1,029 |
| Average total loans | $300,052,600 | 1,399 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0264% | 5,440 |
| Cost of funding earning assets | 0.7200% | 3,593 |
| Net interest margin | 3.3064% | 5,368 |
| Noninterest income to average assets | -0.0744% | 7,004 |
| Noninterest expense to average assets | 2.0100% | 6,339 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7172% | 3,839 |
| Return on assets (ROA) | 0.8216% | 3,579 |
| Pretax return on assets | 1.1549% | 3,146 |
| Return on Equity (ROE) | 6.4992% | 4,064 |
| Retained earnings to average equity (ytd only) | 6.4992% | 2,380 |
| Net charge-offs to loans | 0.4548% | 2,280 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.9532% | 3,446 |
| Efficiency ratio | 66.6035% | 4,330 |
| Assets per employee ($millions) | 5.9553% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 2,372 |
| Loan loss allowance to noncurrent loans | 46.9678% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 2.6022% | 2,028 |
| Noncurrent loans to loans | 4.1201% | 1,220 |
| Net loans and leases to total assets | 55.3023% | 4,554 |
| Net loans and leases to deposits | 63.7829% | 4,741 |
| Net loans and leases to core deposits | 65.7119% | 4,985 |
| Total domestic deposits to total assets | 86.7039% | 2,848 |
| Equity capital to assets | 12.7240% | 1,753 |
| Core capital (leverage) ratio | 12.4746% | 1,422 |
| Tier 1 risk-based capital ratio | 19.8896% | 1,791 |
| Total risk-based capital ratio | 21.1544% | 1,763 |
| Memoranda: | ||
| Average total assets | $536,035,000 | 1,260 |
| Average earning assets | $501,317,500 | 1,224 |
| Average equity | $67,760,250 | 1,043 |
| Average total loans | $300,486,500 | 1,409 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 5,559 |
| Cost of funding earning assets | 0.7446% | 3,648 |
| Net interest margin | 3.2843% | 5,489 |
| Noninterest income to average assets | -0.2556% | 7,146 |
| Noninterest expense to average assets | 2.0098% | 6,408 |
| Loan and lease loss provision to assets | 0.1504% | 3,645 |
| Net operating income to assets | 0.4704% | 4,950 |
| Return on assets (ROA) | 0.6326% | 4,458 |
| Pretax return on assets | 0.8687% | 4,203 |
| Return on Equity (ROE) | 5.0157% | 4,804 |
| Retained earnings to average equity (ytd only) | 5.0157% | 3,275 |
| Net charge-offs to loans | 0.6974% | 1,591 |
| Credit loss provision to net charge-offs | 38.5356% | 4,298 |
| Earnings coverage of net charge-offs (x) | 2.0424% | 3,969 |
| Efficiency ratio | 71.6084% | 3,496 |
| Assets per employee ($millions) | 5.9862% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1013% | 1,996 |
| Loan loss allowance to noncurrent loans | 37.1325% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 3.9156% | 1,323 |
| Noncurrent loans to loans | 5.6590% | 808 |
| Net loans and leases to total assets | 54.4445% | 4,718 |
| Net loans and leases to deposits | 62.4500% | 4,944 |
| Net loans and leases to core deposits | 63.9363% | 5,215 |
| Total domestic deposits to total assets | 87.1808% | 2,665 |
| Equity capital to assets | 12.4541% | 1,846 |
| Core capital (leverage) ratio | 12.0281% | 1,589 |
| Tier 1 risk-based capital ratio | 19.4682% | 1,861 |
| Total risk-based capital ratio | 20.7371% | 1,822 |
| Memoranda: | ||
| Average total assets | $532,082,670 | 1,272 |
| Average earning assets | $496,111,000 | 1,244 |
| Average equity | $67,109,000 | 1,045 |
| Average total loans | $297,656,670 | 1,428 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 5,424 |
| Cost of funding earning assets | 0.7504% | 3,859 |
| Net interest margin | 3.3573% | 5,275 |
| Noninterest income to average assets | -0.6969% | 7,265 |
| Noninterest expense to average assets | 1.9857% | 6,489 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3216% | 5,586 |
| Return on assets (ROA) | 0.6109% | 4,509 |
| Pretax return on assets | 0.8384% | 4,271 |
| Return on Equity (ROE) | 4.8126% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.8126% | 3,665 |
| Net charge-offs to loans | 0.0027% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 290.5000% | 111 |
| Efficiency ratio | 81.7925% | 1,959 |
| Assets per employee ($millions) | 6.5127% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3544% | 1,582 |
| Loan loss allowance to noncurrent loans | 47.8148% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 4.1233% | 1,328 |
| Noncurrent loans to loans | 4.9239% | 1,147 |
| Net loans and leases to total assets | 54.3784% | 4,657 |
| Net loans and leases to deposits | 62.4256% | 4,858 |
| Net loans and leases to core deposits | 63.7459% | 5,142 |
| Total domestic deposits to total assets | 87.1092% | 2,895 |
| Equity capital to assets | 12.5407% | 1,701 |
| Core capital (leverage) ratio | 12.6198% | 1,282 |
| Tier 1 risk-based capital ratio | 19.7966% | 1,759 |
| Total risk-based capital ratio | 21.0664% | 1,725 |
| Memoranda: | ||
| Average total assets | $525,751,000 | 1,286 |
| Average earning assets | $489,328,500 | 1,261 |
| Average equity | $66,742,000 | 1,048 |
| Average total loans | $295,010,000 | 1,441 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3818% | 5,492 |
| Cost of funding earning assets | 0.9760% | 3,536 |
| Net interest margin | 3.4059% | 5,464 |
| Noninterest income to average assets | -0.2126% | 7,163 |
| Noninterest expense to average assets | 2.2948% | 6,049 |
| Loan and lease loss provision to assets | -0.0109% | 7,217 |
| Net operating income to assets | 0.4798% | 4,508 |
| Return on assets (ROA) | 0.5110% | 4,583 |
| Pretax return on assets | 0.6877% | 4,372 |
| Return on Equity (ROE) | 4.1135% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.1135% | 3,259 |
| Net charge-offs to loans | 0.2578% | 4,163 |
| Credit loss provision to net charge-offs | -7.2890% | 6,610 |
| Earnings coverage of net charge-offs (x) | 4.2289% | 3,211 |
| Efficiency ratio | 78.3375% | 2,549 |
| Assets per employee ($millions) | 5.8142% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3936% | 1,470 |
| Loan loss allowance to noncurrent loans | 44.5689% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 4.6164% | 1,185 |
| Noncurrent loans to loans | 5.3705% | 1,004 |
| Net loans and leases to total assets | 55.1947% | 4,855 |
| Net loans and leases to deposits | 63.9892% | 5,007 |
| Net loans and leases to core deposits | 65.1999% | 5,342 |
| Total domestic deposits to total assets | 86.2562% | 3,163 |
| Equity capital to assets | 12.8535% | 1,569 |
| Core capital (leverage) ratio | 12.3857% | 1,398 |
| Tier 1 risk-based capital ratio | 19.7826% | 1,687 |
| Total risk-based capital ratio | 21.0529% | 1,654 |
| Memoranda: | ||
| Average total assets | $521,143,600 | 1,283 |
| Average earning assets | $480,758,000 | 1,273 |
| Average equity | $64,738,800 | 1,045 |
| Average total loans | $303,313,000 | 1,405 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4267% | 5,514 |
| Cost of funding earning assets | 1.0330% | 3,444 |
| Net interest margin | 3.3937% | 5,599 |
| Noninterest income to average assets | -0.2342% | 7,285 |
| Noninterest expense to average assets | 2.3141% | 5,990 |
| Loan and lease loss provision to assets | -0.0146% | 7,306 |
| Net operating income to assets | 0.4357% | 4,835 |
| Return on assets (ROA) | 0.4773% | 4,842 |
| Pretax return on assets | 0.6446% | 4,672 |
| Return on Equity (ROE) | 3.8758% | 5,049 |
| Retained earnings to average equity (ytd only) | 3.8758% | 3,966 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1291% | 2,239 |
| Assets per employee ($millions) | 5.7504% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6321% | 1,227 |
| Loan loss allowance to noncurrent loans | 44.3748% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 5.6046% | 987 |
| Noncurrent loans to loans | 5.9315% | 943 |
| Net loans and leases to total assets | 55.6530% | 4,893 |
| Net loans and leases to deposits | 65.5062% | 4,970 |
| Net loans and leases to core deposits | 66.8674% | 5,325 |
| Total domestic deposits to total assets | 84.9584% | 3,778 |
| Equity capital to assets | 12.7256% | 1,771 |
| Core capital (leverage) ratio | 12.1675% | 1,610 |
| Tier 1 risk-based capital ratio | 19.4782% | 1,822 |
| Total risk-based capital ratio | 20.7427% | 1,787 |
| Memoranda: | ||
| Average total assets | $522,063,750 | 1,284 |
| Average earning assets | $480,288,750 | 1,273 |
| Average equity | $64,295,500 | 1,054 |
| Average total loans | $305,987,250 | 1,399 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 5,380 |
| Cost of funding earning assets | 1.0902% | 3,316 |
| Net interest margin | 3.4035% | 5,548 |
| Noninterest income to average assets | -0.2601% | 7,368 |
| Noninterest expense to average assets | 2.4325% | 5,746 |
| Loan and lease loss provision to assets | -0.0038% | 7,358 |
| Net operating income to assets | 0.3409% | 5,213 |
| Return on assets (ROA) | 0.3514% | 5,303 |
| Pretax return on assets | 0.4454% | 5,245 |
| Return on Equity (ROE) | 2.8852% | 5,442 |
| Retained earnings to average equity (ytd only) | 2.8852% | 4,449 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0314% | 1,700 |
| Assets per employee ($millions) | 5.5399% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6071% | 1,305 |
| Loan loss allowance to noncurrent loans | 44.9810% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 6.0976% | 916 |
| Noncurrent loans to loans | 5.7959% | 1,053 |
| Net loans and leases to total assets | 54.4536% | 5,226 |
| Net loans and leases to deposits | 66.4385% | 4,927 |
| Net loans and leases to core deposits | 68.0308% | 5,289 |
| Total domestic deposits to total assets | 81.9609% | 5,181 |
| Equity capital to assets | 12.0120% | 2,076 |
| Core capital (leverage) ratio | 11.7841% | 1,729 |
| Tier 1 risk-based capital ratio | 18.6540% | 1,948 |
| Total risk-based capital ratio | 19.9215% | 1,908 |
| Memoranda: | ||
| Average total assets | $523,572,000 | 1,284 |
| Average earning assets | $480,096,000 | 1,280 |
| Average equity | $63,774,000 | 1,062 |
| Average total loans | $309,379,000 | 1,398 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5540% | 5,155 |
| Cost of funding earning assets | 1.1436% | 3,199 |
| Net interest margin | 3.4105% | 5,389 |
| Noninterest income to average assets | 0.2075% | 6,251 |
| Noninterest expense to average assets | 2.4580% | 5,716 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6356% | 3,831 |
| Return on assets (ROA) | 0.6356% | 3,906 |
| Pretax return on assets | 0.8756% | 3,591 |
| Return on Equity (ROE) | 5.1809% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.1809% | 3,071 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7343% | 3,560 |
| Assets per employee ($millions) | 5.4085% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5547% | 1,382 |
| Loan loss allowance to noncurrent loans | 42.8345% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 6.9669% | 771 |
| Noncurrent loans to loans | 5.9642% | 1,061 |
| Net loans and leases to total assets | 56.4410% | 4,923 |
| Net loans and leases to deposits | 69.3529% | 4,455 |
| Net loans and leases to core deposits | 70.8290% | 4,949 |
| Total domestic deposits to total assets | 81.3824% | 5,542 |
| Equity capital to assets | 12.0573% | 1,883 |
| Core capital (leverage) ratio | 12.2066% | 1,454 |
| Tier 1 risk-based capital ratio | 18.4777% | 1,965 |
| Total risk-based capital ratio | 19.7410% | 1,917 |
| Memoranda: | ||
| Average total assets | $516,671,500 | 1,307 |
| Average earning assets | $473,601,000 | 1,303 |
| Average equity | $63,386,500 | 1,059 |
| Average total loans | $313,842,500 | 1,386 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0209% | 4,447 |
| Cost of funding earning assets | 1.4241% | 3,111 |
| Net interest margin | 3.5968% | 4,834 |
| Noninterest income to average assets | -0.3696% | 7,531 |
| Noninterest expense to average assets | 2.4227% | 6,038 |
| Loan and lease loss provision to assets | 0.8610% | 1,888 |
| Net operating income to assets | -0.1514% | 6,052 |
| Return on assets (ROA) | -0.1437% | 6,102 |
| Pretax return on assets | -0.3157% | 6,172 |
| Return on Equity (ROE) | -1.1602% | 6,078 |
| Retained earnings to average equity (ytd only) | -1.1602% | 5,830 |
| Net charge-offs to loans | 0.9443% | 2,295 |
| Credit loss provision to net charge-offs | 135.0243% | 2,886 |
| Earnings coverage of net charge-offs (x) | 0.8363% | 5,293 |
| Efficiency ratio | 81.9606% | 2,170 |
| Assets per employee ($millions) | 4.9832% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4457% | 1,486 |
| Loan loss allowance to noncurrent loans | 41.6959% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 7.5646% | 683 |
| Noncurrent loans to loans | 5.8656% | 1,081 |
| Net loans and leases to total assets | 62.1572% | 4,253 |
| Net loans and leases to deposits | 78.0766% | 3,498 |
| Net loans and leases to core deposits | 80.1571% | 4,188 |
| Total domestic deposits to total assets | 79.6105% | 5,932 |
| Equity capital to assets | 12.4904% | 1,640 |
| Core capital (leverage) ratio | 11.7541% | 1,701 |
| Tier 1 risk-based capital ratio | 17.1145% | 2,309 |
| Total risk-based capital ratio | 18.3795% | 2,269 |
| Memoranda: | ||
| Average total assets | $516,277,200 | 1,296 |
| Average earning assets | $477,340,200 | 1,285 |
| Average equity | $63,951,800 | 1,042 |
| Average total loans | $348,617,400 | 1,285 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0848% | 4,402 |
| Cost of funding earning assets | 1.4667% | 3,167 |
| Net interest margin | 3.6182% | 4,796 |
| Noninterest income to average assets | -0.1255% | 7,556 |
| Noninterest expense to average assets | 2.4504% | 5,880 |
| Loan and lease loss provision to assets | 0.5885% | 2,582 |
| Net operating income to assets | 0.1834% | 5,556 |
| Return on assets (ROA) | 0.1992% | 5,671 |
| Pretax return on assets | 0.2007% | 5,733 |
| Return on Equity (ROE) | 1.6110% | 5,732 |
| Retained earnings to average equity (ytd only) | 1.6110% | 5,147 |
| Net charge-offs to loans | 0.4436% | 3,531 |
| Credit loss provision to net charge-offs | 193.8292% | 1,842 |
| Earnings coverage of net charge-offs (x) | 2.5469% | 3,887 |
| Efficiency ratio | 76.0131% | 2,948 |
| Assets per employee ($millions) | 5.2640% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3627% | 1,525 |
| Loan loss allowance to noncurrent loans | 40.1276% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 7.5664% | 689 |
| Noncurrent loans to loans | 5.8880% | 1,085 |
| Net loans and leases to total assets | 60.0318% | 4,906 |
| Net loans and leases to deposits | 75.0163% | 4,339 |
| Net loans and leases to core deposits | 79.6176% | 4,572 |
| Total domestic deposits to total assets | 80.0249% | 5,705 |
| Equity capital to assets | 12.1334% | 2,070 |
| Core capital (leverage) ratio | 11.8988% | 1,717 |
| Tier 1 risk-based capital ratio | 17.3209% | 2,236 |
| Total risk-based capital ratio | 18.5940% | 2,189 |
| Memoranda: | ||
| Average total assets | $519,519,500 | 1,298 |
| Average earning assets | $480,894,500 | 1,292 |
| Average equity | $64,223,500 | 1,040 |
| Average total loans | $355,600,500 | 1,276 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3455% | 3,232 |
| Cost of funding earning assets | 1.4803% | 3,365 |
| Net interest margin | 3.8652% | 3,610 |
| Noninterest income to average assets | -0.6237% | 7,762 |
| Noninterest expense to average assets | 2.3457% | 6,238 |
| Loan and lease loss provision to assets | 0.7568% | 1,897 |
| Net operating income to assets | -0.0213% | 6,108 |
| Return on assets (ROA) | -0.0148% | 6,196 |
| Pretax return on assets | -0.1296% | 6,275 |
| Return on Equity (ROE) | -0.1189% | 6,201 |
| Retained earnings to average equity (ytd only) | -0.1189% | 5,761 |
| Net charge-offs to loans | 0.6553% | 2,580 |
| Credit loss provision to net charge-offs | 162.9505% | 2,425 |
| Earnings coverage of net charge-offs (x) | 1.3286% | 4,499 |
| Efficiency ratio | 79.1721% | 2,550 |
| Assets per employee ($millions) | 5.2325% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1528% | 1,858 |
| Loan loss allowance to noncurrent loans | 37.6836% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 6.4696% | 866 |
| Noncurrent loans to loans | 5.7129% | 1,139 |
| Net loans and leases to total assets | 63.9934% | 4,267 |
| Net loans and leases to deposits | 82.3858% | 3,203 |
| Net loans and leases to core deposits | 90.5022% | 3,190 |
| Total domestic deposits to total assets | 77.6753% | 6,345 |
| Equity capital to assets | 12.1256% | 2,025 |
| Core capital (leverage) ratio | 12.1702% | 1,560 |
| Tier 1 risk-based capital ratio | 16.6128% | 2,436 |
| Total risk-based capital ratio | 17.8793% | 2,379 |
| Memoranda: | ||
| Average total assets | $513,716,330 | 1,315 |
| Average earning assets | $476,661,330 | 1,301 |
| Average equity | $63,915,330 | 1,042 |
| Average total loans | $364,091,330 | 1,260 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6288% | 2,035 |
| Cost of funding earning assets | 1.5328% | 3,362 |
| Net interest margin | 4.0960% | 2,455 |
| Noninterest income to average assets | -1.7119% | 7,916 |
| Noninterest expense to average assets | 2.4814% | 5,799 |
| Loan and lease loss provision to assets | 0.2481% | 4,064 |
| Net operating income to assets | -0.3566% | 6,720 |
| Return on assets (ROA) | -0.3515% | 6,761 |
| Pretax return on assets | -0.6399% | 6,864 |
| Return on Equity (ROE) | -2.7886% | 6,722 |
| Retained earnings to average equity (ytd only) | -2.7886% | 6,331 |
| Net charge-offs to loans | 0.1114% | 4,319 |
| Credit loss provision to net charge-offs | 301.9231% | 1,304 |
| Earnings coverage of net charge-offs (x) | -4.8654% | 5,534 |
| Efficiency ratio | 119.2030% | 453 |
| Assets per employee ($millions) | 5.0532% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8958% | 2,465 |
| Loan loss allowance to noncurrent loans | 125.7289% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 3.7818% | 1,837 |
| Noncurrent loans to loans | 1.5079% | 4,488 |
| Net loans and leases to total assets | 70.6609% | 2,766 |
| Net loans and leases to deposits | 95.3584% | 1,189 |
| Net loans and leases to core deposits | 105.8062% | 1,593 |
| Total domestic deposits to total assets | 74.1003% | 7,033 |
| Equity capital to assets | 12.5943% | 1,702 |
| Core capital (leverage) ratio | 12.4575% | 1,424 |
| Tier 1 risk-based capital ratio | 15.7649% | 2,746 |
| Total risk-based capital ratio | 17.0220% | 2,689 |
| Memoranda: | ||
| Average total assets | $506,331,500 | 1,373 |
| Average earning assets | $468,948,500 | 1,354 |
| Average equity | $63,832,000 | 1,046 |
| Average total loans | $373,318,500 | 1,274 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8960% | 2,254 |
| Cost of funding earning assets | 2.0937% | 2,497 |
| Net interest margin | 3.8023% | 3,698 |
| Noninterest income to average assets | 0.4891% | 4,497 |
| Noninterest expense to average assets | 2.7335% | 5,226 |
| Loan and lease loss provision to assets | 0.6743% | 3,120 |
| Net operating income to assets | 0.4965% | 3,742 |
| Return on assets (ROA) | 0.5046% | 3,804 |
| Pretax return on assets | 0.6588% | 3,712 |
| Return on Equity (ROE) | 4.0740% | 4,057 |
| Retained earnings to average equity (ytd only) | 4.0740% | 2,367 |
| Net charge-offs to loans | 0.4804% | 3,857 |
| Credit loss provision to net charge-offs | 180.6709% | 2,299 |
| Earnings coverage of net charge-offs (x) | 3.5437% | 3,299 |
| Efficiency ratio | 67.3918% | 5,114 |
| Assets per employee ($millions) | 4.7416% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7482% | 2,720 |
| Loan loss allowance to noncurrent loans | 120.3237% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 3.6509% | 1,822 |
| Noncurrent loans to loans | 1.4529% | 4,491 |
| Net loans and leases to total assets | 74.1083% | 2,249 |
| Net loans and leases to deposits | 99.5567% | 944 |
| Net loans and leases to core deposits | 134.9743% | 1,004 |
| Total domestic deposits to total assets | 74.4383% | 6,956 |
| Equity capital to assets | 12.6191% | 1,685 |
| Core capital (leverage) ratio | 12.3237% | 1,519 |
| Tier 1 risk-based capital ratio | 14.9060% | 2,998 |
| Total risk-based capital ratio | 16.1625% | 2,938 |
| Memoranda: | ||
| Average total assets | $503,163,000 | 1,366 |
| Average earning assets | $472,033,200 | 1,334 |
| Average equity | $62,322,800 | 1,059 |
| Average total loans | $390,947,200 | 1,231 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8987% | 2,457 |
| Cost of funding earning assets | 2.1965% | 2,430 |
| Net interest margin | 3.7022% | 4,058 |
| Noninterest income to average assets | 0.5539% | 4,051 |
| Noninterest expense to average assets | 2.7244% | 5,218 |
| Loan and lease loss provision to assets | 0.8564% | 2,237 |
| Net operating income to assets | 0.3718% | 4,512 |
| Return on assets (ROA) | 0.3842% | 4,566 |
| Pretax return on assets | 0.4756% | 4,593 |
| Return on Equity (ROE) | 3.1169% | 4,737 |
| Retained earnings to average equity (ytd only) | 3.1169% | 3,575 |
| Net charge-offs to loans | 0.6039% | 2,864 |
| Credit loss provision to net charge-offs | 181.1798% | 2,525 |
| Earnings coverage of net charge-offs (x) | 2.7854% | 3,827 |
| Efficiency ratio | 67.4202% | 5,092 |
| Assets per employee ($millions) | 4.5298% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 2,543 |
| Loan loss allowance to noncurrent loans | 92.3291% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 4.6734% | 1,287 |
| Noncurrent loans to loans | 1.8638% | 3,821 |
| Net loans and leases to total assets | 75.1944% | 2,195 |
| Net loans and leases to deposits | 100.6530% | 1,052 |
| Net loans and leases to core deposits | 144.1368% | 759 |
| Total domestic deposits to total assets | 74.7065% | 6,827 |
| Equity capital to assets | 12.5846% | 1,889 |
| Core capital (leverage) ratio | 12.1399% | 1,739 |
| Tier 1 risk-based capital ratio | 14.6647% | 3,194 |
| Total risk-based capital ratio | 15.9125% | 3,142 |
| Memoranda: | ||
| Average total assets | $502,116,750 | 1,386 |
| Average earning assets | $472,926,500 | 1,356 |
| Average equity | $61,897,750 | 1,086 |
| Average total loans | $393,014,750 | 1,239 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8897% | 2,633 |
| Cost of funding earning assets | 2.2675% | 2,498 |
| Net interest margin | 3.6222% | 4,274 |
| Noninterest income to average assets | 0.6352% | 3,442 |
| Noninterest expense to average assets | 2.7536% | 5,164 |
| Loan and lease loss provision to assets | 1.1744% | 1,465 |
| Net operating income to assets | 0.1646% | 5,375 |
| Return on assets (ROA) | 0.1817% | 5,414 |
| Pretax return on assets | 0.1478% | 5,569 |
| Return on Equity (ROE) | 1.4844% | 5,464 |
| Retained earnings to average equity (ytd only) | 1.4844% | 4,499 |
| Net charge-offs to loans | 0.8136% | 2,058 |
| Credit loss provision to net charge-offs | 183.0435% | 2,508 |
| Earnings coverage of net charge-offs (x) | 2.0342% | 4,069 |
| Efficiency ratio | 67.8449% | 5,181 |
| Assets per employee ($millions) | 4.6553% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6493% | 2,527 |
| Loan loss allowance to noncurrent loans | 82.5453% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 4.6037% | 1,204 |
| Noncurrent loans to loans | 1.9981% | 3,525 |
| Net loans and leases to total assets | 75.1488% | 2,402 |
| Net loans and leases to deposits | 96.6701% | 1,704 |
| Net loans and leases to core deposits | 145.8336% | 769 |
| Total domestic deposits to total assets | 77.7373% | 6,144 |
| Equity capital to assets | 11.8738% | 2,277 |
| Core capital (leverage) ratio | 11.7378% | 1,958 |
| Tier 1 risk-based capital ratio | 14.0540% | 3,484 |
| Total risk-based capital ratio | 15.2945% | 3,435 |
| Memoranda: | ||
| Average total assets | $501,887,330 | 1,419 |
| Average earning assets | $474,357,000 | 1,369 |
| Average equity | $61,438,330 | 1,112 |
| Average total loans | $395,786,000 | 1,255 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7940% | 3,337 |
| Cost of funding earning assets | 2.2726% | 2,824 |
| Net interest margin | 3.5214% | 4,644 |
| Noninterest income to average assets | 0.8599% | 2,035 |
| Noninterest expense to average assets | 2.6234% | 5,350 |
| Loan and lease loss provision to assets | 0.6318% | 2,000 |
| Net operating income to assets | 0.7012% | 3,554 |
| Return on assets (ROA) | 0.7248% | 3,641 |
| Pretax return on assets | 0.9902% | 3,389 |
| Return on Equity (ROE) | 5.8296% | 4,107 |
| Retained earnings to average equity (ytd only) | 5.8296% | 2,704 |
| Net charge-offs to loans | 0.1625% | 3,666 |
| Credit loss provision to net charge-offs | 485.0932% | 1,112 |
| Earnings coverage of net charge-offs (x) | 12.2050% | 1,820 |
| Efficiency ratio | 62.2696% | 6,005 |
| Assets per employee ($millions) | 4.5142% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 3,216 |
| Loan loss allowance to noncurrent loans | 44.8460% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 4.0879% | 1,249 |
| Noncurrent loans to loans | 3.2388% | 1,988 |
| Net loans and leases to total assets | 77.7670% | 1,876 |
| Net loans and leases to deposits | 106.0164% | 862 |
| Net loans and leases to core deposits | 165.2497% | 420 |
| Total domestic deposits to total assets | 73.3537% | 6,995 |
| Equity capital to assets | 12.2771% | 2,091 |
| Core capital (leverage) ratio | 12.5691% | 1,660 |
| Tier 1 risk-based capital ratio | 14.3275% | 3,412 |
| Total risk-based capital ratio | 15.5671% | 3,344 |
| Memoranda: | ||
| Average total assets | $494,463,500 | 1,435 |
| Average earning assets | $470,835,000 | 1,379 |
| Average equity | $61,479,500 | 1,115 |
| Average total loans | $396,263,000 | 1,263 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5918% | 2,528 |
| Cost of funding earning assets | 2.7950% | 2,728 |
| Net interest margin | 3.7967% | 4,039 |
| Noninterest income to average assets | 0.1861% | 7,116 |
| Noninterest expense to average assets | 2.4003% | 6,391 |
| Loan and lease loss provision to assets | 0.3091% | 3,894 |
| Net operating income to assets | 0.8097% | 3,396 |
| Return on assets (ROA) | 0.8734% | 2,970 |
| Pretax return on assets | 1.1888% | 2,682 |
| Return on Equity (ROE) | 6.8094% | 3,618 |
| Retained earnings to average equity (ytd only) | 6.8094% | 1,218 |
| Net charge-offs to loans | 0.0385% | 6,250 |
| Credit loss provision to net charge-offs | 1,025.3623% | 430 |
| Earnings coverage of net charge-offs (x) | 46.7971% | 798 |
| Efficiency ratio | 62.9829% | 5,778 |
| Assets per employee ($millions) | 4.3940% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 3,679 |
| Loan loss allowance to noncurrent loans | 69.5097% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.5780% | 3,079 |
| Noncurrent loans to loans | 1.8918% | 2,919 |
| Net loans and leases to total assets | 80.3526% | 1,578 |
| Net loans and leases to deposits | 115.5170% | 543 |
| Net loans and leases to core deposits | 181.6045% | 272 |
| Total domestic deposits to total assets | 69.5591% | 7,329 |
| Equity capital to assets | 12.5972% | 1,967 |
| Core capital (leverage) ratio | 12.6347% | 1,694 |
| Tier 1 risk-based capital ratio | 14.4326% | 3,330 |
| Total risk-based capital ratio | 15.6742% | 3,242 |
| Memoranda: | ||
| Average total assets | $457,771,200 | 1,498 |
| Average earning assets | $437,059,400 | 1,436 |
| Average equity | $58,713,000 | 1,141 |
| Average total loans | $358,087,800 | 1,354 |