Home > Greenfield Savings Bank > Performance and Condition Ratios
Greenfield Savings 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 | 4.6238% | 3,727 |
| Cost of funding earning assets | 1.7517% | 2,585 |
| Net interest margin | 2.8721% | 3,599 |
| Noninterest income to average assets | 0.5800% | 1,411 |
| Noninterest expense to average assets | 2.7109% | 1,728 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 0.4211% | 3,694 |
| Return on assets (ROA) | 0.4256% | 3,710 |
| Pretax return on assets | 0.5407% | 3,658 |
| Return on Equity (ROE) | 4.3300% | 3,662 |
| Retained earnings to average equity (ytd only) | 4.3274% | 2,763 |
| Net charge-offs to loans | 0.0052% | 2,065 |
| Credit loss provision to net charge-offs | 1,346.1538% | 283 |
| Earnings coverage of net charge-offs (x) | 144.7692% | 550 |
| Efficiency ratio | 82.0008% | 813 |
| Assets per employee ($millions) | 6.8532% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8119% | 3,839 |
| Loan loss allowance to noncurrent loans | 228.7832% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 2,172 |
| Noncurrent loans to loans | 0.3549% | 2,232 |
| Net loans and leases to total assets | 77.1500% | 937 |
| Net loans and leases to deposits | 88.7810% | 1,227 |
| Net loans and leases to core deposits | 106.7806% | 990 |
| Total domestic deposits to total assets | 86.9000% | 1,967 |
| Equity capital to assets | 9.7239% | 2,411 |
| Core capital (leverage) ratio | 11.2859% | 1,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8892% | 775 |
| Memoranda: | ||
| Average total assets | $1,265,122,500 | 847 |
| Average earning assets | $1,199,528,000 | 831 |
| Average equity | $124,417,000 | 885 |
| Average total loans | $997,493,500 | 774 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 3,864 |
| Cost of funding earning assets | 1.7809% | 2,768 |
| Net interest margin | 2.7223% | 3,591 |
| Noninterest income to average assets | 0.6700% | 1,265 |
| Noninterest expense to average assets | 2.8787% | 1,354 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.2722% | 3,883 |
| Return on assets (ROA) | 0.2865% | 3,892 |
| Pretax return on assets | 0.3402% | 3,885 |
| Return on Equity (ROE) | 2.7800% | 3,894 |
| Retained earnings to average equity (ytd only) | 2.7841% | 3,118 |
| Net charge-offs to loans | 0.0054% | 2,740 |
| Credit loss provision to net charge-offs | 618.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 86.3400% | 890 |
| Efficiency ratio | 88.7493% | 557 |
| Assets per employee ($millions) | 6.5691% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8118% | 3,844 |
| Loan loss allowance to noncurrent loans | 226.9819% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 2,089 |
| Noncurrent loans to loans | 0.3577% | 2,191 |
| Net loans and leases to total assets | 79.3100% | 744 |
| Net loans and leases to deposits | 95.1630% | 773 |
| Net loans and leases to core deposits | 109.0493% | 978 |
| Total domestic deposits to total assets | 83.3500% | 2,947 |
| Equity capital to assets | 9.9503% | 2,167 |
| Core capital (leverage) ratio | 11.5401% | 1,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3396% | 731 |
| Memoranda: | ||
| Average total assets | $1,182,953,800 | 885 |
| Average earning assets | $1,120,190,800 | 860 |
| Average equity | $121,729,000 | 878 |
| Average total loans | $930,943,200 | 803 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4631% | 3,888 |
| Cost of funding earning assets | 1.7829% | 2,758 |
| Net interest margin | 2.6803% | 3,630 |
| Noninterest income to average assets | 0.6800% | 1,209 |
| Noninterest expense to average assets | 2.8679% | 1,332 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.2899% | 3,877 |
| Return on assets (ROA) | 0.3116% | 3,876 |
| Pretax return on assets | 0.3288% | 3,915 |
| Return on Equity (ROE) | 3.0000% | 3,888 |
| Retained earnings to average equity (ytd only) | 3.0017% | 3,177 |
| Net charge-offs to loans | 0.0054% | 2,482 |
| Credit loss provision to net charge-offs | 608.1081% | 552 |
| Earnings coverage of net charge-offs (x) | 82.2973% | 902 |
| Efficiency ratio | 89.2060% | 574 |
| Assets per employee ($millions) | 6.2804% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8306% | 3,841 |
| Loan loss allowance to noncurrent loans | 232.9522% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 2,073 |
| Noncurrent loans to loans | 0.3566% | 2,207 |
| Net loans and leases to total assets | 79.5100% | 695 |
| Net loans and leases to deposits | 92.6195% | 989 |
| Net loans and leases to core deposits | 105.8447% | 1,148 |
| Total domestic deposits to total assets | 85.8400% | 1,994 |
| Equity capital to assets | 10.5017% | 1,976 |
| Core capital (leverage) ratio | 11.6982% | 1,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8817% | 697 |
| Memoranda: | ||
| Average total assets | $1,169,942,750 | 884 |
| Average earning assets | $1,107,473,000 | 855 |
| Average equity | $121,439,750 | 872 |
| Average total loans | $916,790,750 | 812 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3824% | 3,940 |
| Cost of funding earning assets | 1.7362% | 2,791 |
| Net interest margin | 2.6462% | 3,679 |
| Noninterest income to average assets | 0.6800% | 1,149 |
| Noninterest expense to average assets | 2.8715% | 1,319 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.2604% | 3,913 |
| Return on assets (ROA) | 0.2667% | 3,934 |
| Pretax return on assets | 0.2815% | 3,964 |
| Return on Equity (ROE) | 2.5800% | 3,941 |
| Retained earnings to average equity (ytd only) | 2.5801% | 3,153 |
| Net charge-offs to loans | 0.0055% | 2,236 |
| Credit loss provision to net charge-offs | 600.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 72.8800% | 934 |
| Efficiency ratio | 90.1556% | 555 |
| Assets per employee ($millions) | 6.1719% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 3,815 |
| Loan loss allowance to noncurrent loans | 271.9214% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 2,191 |
| Noncurrent loans to loans | 0.3146% | 2,251 |
| Net loans and leases to total assets | 77.9100% | 920 |
| Net loans and leases to deposits | 87.9213% | 1,488 |
| Net loans and leases to core deposits | 101.5136% | 1,387 |
| Total domestic deposits to total assets | 88.6100% | 1,128 |
| Equity capital to assets | 10.1866% | 1,973 |
| Core capital (leverage) ratio | 11.8550% | 1,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4421% | 639 |
| Memoranda: | ||
| Average total assets | $1,162,164,667 | 888 |
| Average earning assets | $1,100,449,667 | 865 |
| Average equity | $120,148,333 | 875 |
| Average total loans | $903,498,333 | 819 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3287% | 3,924 |
| Cost of funding earning assets | 1.6603% | 2,840 |
| Net interest margin | 2.6684% | 3,625 |
| Noninterest income to average assets | 0.6400% | 1,224 |
| Noninterest expense to average assets | 2.8604% | 1,320 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.2570% | 3,891 |
| Return on assets (ROA) | 0.2662% | 3,916 |
| Pretax return on assets | 0.2890% | 3,929 |
| Return on Equity (ROE) | 2.5600% | 3,928 |
| Retained earnings to average equity (ytd only) | 2.5561% | 3,105 |
| Net charge-offs to loans | 0.0076% | 1,819 |
| Credit loss provision to net charge-offs | 529.4118% | 497 |
| Earnings coverage of net charge-offs (x) | 52.7647% | 943 |
| Efficiency ratio | 90.2181% | 581 |
| Assets per employee ($millions) | 6.4991% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 3,798 |
| Loan loss allowance to noncurrent loans | 257.9381% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2624% | 2,056 |
| Noncurrent loans to loans | 0.3362% | 2,122 |
| Net loans and leases to total assets | 77.3900% | 910 |
| Net loans and leases to deposits | 88.4418% | 1,328 |
| Net loans and leases to core deposits | 102.4187% | 1,272 |
| Total domestic deposits to total assets | 87.5100% | 1,601 |
| Equity capital to assets | 10.3447% | 1,810 |
| Core capital (leverage) ratio | 11.9475% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5935% | 639 |
| Memoranda: | ||
| Average total assets | $1,156,920,500 | 901 |
| Average earning assets | $1,096,403,000 | 874 |
| Average equity | $120,495,500 | 877 |
| Average total loans | $894,503,000 | 824 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 3,762 |
| Cost of funding earning assets | 1.2143% | 2,765 |
| Net interest margin | 2.9101% | 3,459 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.8038% | 1,484 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.5353% | 3,598 |
| Return on assets (ROA) | 0.5492% | 3,557 |
| Pretax return on assets | 0.6221% | 3,596 |
| Return on Equity (ROE) | 5.4100% | 3,641 |
| Retained earnings to average equity (ytd only) | 5.4068% | 2,444 |
| Net charge-offs to loans | 0.0258% | 1,800 |
| Credit loss provision to net charge-offs | 139.5349% | 1,530 |
| Earnings coverage of net charge-offs (x) | 32.9721% | 1,574 |
| Efficiency ratio | 81.5818% | 804 |
| Assets per employee ($millions) | 6.3572% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8757% | 3,792 |
| Loan loss allowance to noncurrent loans | 248.0652% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 1,876 |
| Noncurrent loans to loans | 0.3530% | 1,922 |
| Net loans and leases to total assets | 75.8900% | 1,133 |
| Net loans and leases to deposits | 87.2277% | 1,515 |
| Net loans and leases to core deposits | 98.5618% | 1,517 |
| Total domestic deposits to total assets | 87.0100% | 1,677 |
| Equity capital to assets | 10.4857% | 1,728 |
| Core capital (leverage) ratio | 11.9104% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7756% | 624 |
| Memoranda: | ||
| Average total assets | $1,119,907,400 | 897 |
| Average earning assets | $1,057,729,000 | 877 |
| Average equity | $113,763,400 | 864 |
| Average total loans | $832,535,000 | 838 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 3,705 |
| Cost of funding earning assets | 1.1138% | 2,704 |
| Net interest margin | 2.9576% | 3,421 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.8185% | 1,392 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.5694% | 3,625 |
| Return on assets (ROA) | 0.5766% | 3,592 |
| Pretax return on assets | 0.6649% | 3,614 |
| Return on Equity (ROE) | 5.7200% | 3,686 |
| Retained earnings to average equity (ytd only) | 5.7241% | 2,711 |
| Net charge-offs to loans | 0.0208% | 1,696 |
| Credit loss provision to net charge-offs | 175.7813% | 1,205 |
| Earnings coverage of net charge-offs (x) | 44.4922% | 1,387 |
| Efficiency ratio | 80.4785% | 833 |
| Assets per employee ($millions) | 6.5065% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 3,700 |
| Loan loss allowance to noncurrent loans | 280.7081% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 2,039 |
| Noncurrent loans to loans | 0.3236% | 2,073 |
| Net loans and leases to total assets | 74.4400% | 1,299 |
| Net loans and leases to deposits | 83.4629% | 1,784 |
| Net loans and leases to core deposits | 92.2194% | 1,782 |
| Total domestic deposits to total assets | 89.1800% | 1,189 |
| Equity capital to assets | 9.4510% | 2,128 |
| Core capital (leverage) ratio | 12.0044% | 1,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2136% | 611 |
| Memoranda: | ||
| Average total assets | $1,110,633,750 | 909 |
| Average earning assets | $1,048,158,500 | 885 |
| Average equity | $111,874,250 | 870 |
| Average total loans | $819,208,250 | 848 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0268% | 3,628 |
| Cost of funding earning assets | 1.0200% | 2,531 |
| Net interest margin | 3.0067% | 3,419 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 2.8497% | 1,326 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.6169% | 3,537 |
| Return on assets (ROA) | 0.6264% | 3,524 |
| Pretax return on assets | 0.7237% | 3,554 |
| Return on Equity (ROE) | 6.0900% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.0885% | 2,590 |
| Net charge-offs to loans | 0.0233% | 1,415 |
| Credit loss provision to net charge-offs | 159.5745% | 1,160 |
| Earnings coverage of net charge-offs (x) | 43.3511% | 1,363 |
| Efficiency ratio | 79.3848% | 878 |
| Assets per employee ($millions) | 6.4398% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 3,643 |
| Loan loss allowance to noncurrent loans | 271.6344% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 1,924 |
| Noncurrent loans to loans | 0.3481% | 1,884 |
| Net loans and leases to total assets | 72.6700% | 1,454 |
| Net loans and leases to deposits | 82.2738% | 1,807 |
| Net loans and leases to core deposits | 90.3041% | 1,777 |
| Total domestic deposits to total assets | 88.3300% | 1,482 |
| Equity capital to assets | 10.3309% | 1,671 |
| Core capital (leverage) ratio | 12.0320% | 1,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7954% | 570 |
| Memoranda: | ||
| Average total assets | $1,101,301,000 | 906 |
| Average earning assets | $1,039,596,000 | 883 |
| Average equity | $113,295,000 | 852 |
| Average total loans | $807,169,667 | 842 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9990% | 3,454 |
| Cost of funding earning assets | 0.8669% | 2,483 |
| Net interest margin | 3.1321% | 3,281 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.8284% | 1,375 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.6380% | 3,613 |
| Return on assets (ROA) | 0.6521% | 3,537 |
| Pretax return on assets | 0.7760% | 3,520 |
| Return on Equity (ROE) | 6.3500% | 3,646 |
| Retained earnings to average equity (ytd only) | 6.3526% | 2,672 |
| Net charge-offs to loans | 0.0274% | 1,145 |
| Credit loss provision to net charge-offs | 136.3636% | 984 |
| Earnings coverage of net charge-offs (x) | 39.1455% | 1,197 |
| Efficiency ratio | 78.2415% | 980 |
| Assets per employee ($millions) | 6.5736% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 3,679 |
| Loan loss allowance to noncurrent loans | 324.9683% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 1,957 |
| Noncurrent loans to loans | 0.2952% | 2,085 |
| Net loans and leases to total assets | 71.4700% | 1,475 |
| Net loans and leases to deposits | 80.9311% | 1,753 |
| Net loans and leases to core deposits | 88.5928% | 1,698 |
| Total domestic deposits to total assets | 88.3100% | 1,811 |
| Equity capital to assets | 10.3434% | 1,644 |
| Core capital (leverage) ratio | 11.8844% | 1,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8257% | 582 |
| Memoranda: | ||
| Average total assets | $1,094,911,000 | 928 |
| Average earning assets | $1,033,164,000 | 902 |
| Average equity | $112,395,000 | 865 |
| Average total loans | $802,093,000 | 857 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5753% | 2,866 |
| Cost of funding earning assets | 0.2341% | 3,471 |
| Net interest margin | 3.3412% | 2,446 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 2.8419% | 1,237 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.7889% | 3,362 |
| Return on assets (ROA) | 0.7862% | 3,305 |
| Pretax return on assets | 0.9768% | 3,140 |
| Return on Equity (ROE) | 7.6300% | 3,479 |
| Retained earnings to average equity (ytd only) | 7.6292% | 1,979 |
| Net charge-offs to loans | 0.0078% | 2,103 |
| Credit loss provision to net charge-offs | 500.0000% | 676 |
| Earnings coverage of net charge-offs (x) | 181.9333% | 696 |
| Efficiency ratio | 73.8200% | 1,234 |
| Assets per employee ($millions) | 6.2004% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 3,582 |
| Loan loss allowance to noncurrent loans | 291.4894% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 1,933 |
| Noncurrent loans to loans | 0.3280% | 1,976 |
| Net loans and leases to total assets | 73.6700% | 1,251 |
| Net loans and leases to deposits | 83.2926% | 1,520 |
| Net loans and leases to core deposits | 92.6173% | 1,359 |
| Total domestic deposits to total assets | 88.4500% | 1,914 |
| Equity capital to assets | 10.1848% | 1,621 |
| Core capital (leverage) ratio | 11.8132% | 1,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2697% | 607 |
| Memoranda: | ||
| Average total assets | $1,083,062,400 | 915 |
| Average earning assets | $1,023,475,200 | 888 |
| Average equity | $111,611,000 | 870 |
| Average total loans | $769,265,400 | 839 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4483% | 2,783 |
| Cost of funding earning assets | 0.1913% | 3,383 |
| Net interest margin | 3.2571% | 2,436 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.7202% | 1,423 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8256% | 3,155 |
| Return on assets (ROA) | 0.8229% | 3,124 |
| Pretax return on assets | 1.0300% | 2,935 |
| Return on Equity (ROE) | 7.9600% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.9622% | 2,009 |
| Net charge-offs to loans | 0.0033% | 2,104 |
| Credit loss provision to net charge-offs | 1,184.2105% | 369 |
| Earnings coverage of net charge-offs (x) | 454.0526% | 344 |
| Efficiency ratio | 71.9402% | 1,519 |
| Assets per employee ($millions) | 6.3275% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 3,585 |
| Loan loss allowance to noncurrent loans | 268.6599% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 1,929 |
| Noncurrent loans to loans | 0.3642% | 1,933 |
| Net loans and leases to total assets | 70.2200% | 1,462 |
| Net loans and leases to deposits | 78.7334% | 1,661 |
| Net loans and leases to core deposits | 87.5011% | 1,440 |
| Total domestic deposits to total assets | 89.1800% | 2,015 |
| Equity capital to assets | 9.2250% | 2,058 |
| Core capital (leverage) ratio | 11.8373% | 1,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5140% | 603 |
| Memoranda: | ||
| Average total assets | $1,084,108,750 | 918 |
| Average earning assets | $1,025,434,750 | 891 |
| Average equity | $112,043,500 | 884 |
| Average total loans | $760,966,500 | 844 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3370% | 2,618 |
| Cost of funding earning assets | 0.1695% | 3,320 |
| Net interest margin | 3.1674% | 2,299 |
| Noninterest income to average assets | 0.7049% | 1,315 |
| Noninterest expense to average assets | 2.7066% | 1,375 |
| Loan and lease loss provision to assets | 0.0278% | 2,090 |
| Net operating income to assets | 0.7777% | 3,039 |
| Return on assets (ROA) | 0.7731% | 3,016 |
| Pretax return on assets | 0.9649% | 2,848 |
| Return on Equity (ROE) | 7.2168% | 3,246 |
| Retained earnings to average equity (ytd only) | 7.2168% | 1,909 |
| Net charge-offs to loans | 0.0053% | 1,819 |
| Credit loss provision to net charge-offs | 750.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 269.2000% | 439 |
| Efficiency ratio | 73.0517% | 1,617 |
| Assets per employee ($millions) | 6.5364% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 3,645 |
| Loan loss allowance to noncurrent loans | 180.9957% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 1,408 |
| Noncurrent loans to loans | 0.5469% | 1,521 |
| Net loans and leases to total assets | 72.3285% | 1,070 |
| Net loans and leases to deposits | 82.2926% | 1,226 |
| Net loans and leases to core deposits | 89.9720% | 1,123 |
| Total domestic deposits to total assets | 87.8919% | 2,618 |
| Equity capital to assets | 10.4166% | 1,473 |
| Core capital (leverage) ratio | 11.6845% | 1,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8113% | 553 |
| Memoranda: | ||
| Average total assets | $1,078,484,667 | 915 |
| Average earning assets | $1,021,531,000 | 900 |
| Average equity | $115,536,333 | 864 |
| Average total loans | $754,383,000 | 838 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1960% | 2,703 |
| Cost of funding earning assets | 0.1651% | 3,297 |
| Net interest margin | 3.0309% | 2,402 |
| Noninterest income to average assets | 0.6701% | 1,413 |
| Noninterest expense to average assets | 2.6079% | 1,578 |
| Loan and lease loss provision to assets | 0.0274% | 1,876 |
| Net operating income to assets | 0.7314% | 2,924 |
| Return on assets (ROA) | 0.7300% | 2,925 |
| Pretax return on assets | 0.9108% | 2,731 |
| Return on Equity (ROE) | 6.7253% | 3,119 |
| Retained earnings to average equity (ytd only) | 6.7253% | 1,984 |
| Net charge-offs to loans | 0.0027% | 1,699 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 514.6000% | 203 |
| Efficiency ratio | 73.5043% | 1,794 |
| Assets per employee ($millions) | 6.9723% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 3,729 |
| Loan loss allowance to noncurrent loans | 178.8746% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 1,581 |
| Noncurrent loans to loans | 0.5593% | 1,642 |
| Net loans and leases to total assets | 67.8219% | 1,233 |
| Net loans and leases to deposits | 77.0494% | 1,360 |
| Net loans and leases to core deposits | 86.1159% | 1,125 |
| Total domestic deposits to total assets | 88.0239% | 2,517 |
| Equity capital to assets | 10.4287% | 1,620 |
| Core capital (leverage) ratio | 11.4486% | 1,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0861% | 552 |
| Memoranda: | ||
| Average total assets | $1,094,813,000 | 911 |
| Average earning assets | $1,039,557,000 | 896 |
| Average equity | $118,834,500 | 871 |
| Average total loans | $749,577,500 | 831 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3712% | 3,001 |
| Cost of funding earning assets | 0.2242% | 3,206 |
| Net interest margin | 3.1470% | 2,745 |
| Noninterest income to average assets | 0.7368% | 1,635 |
| Noninterest expense to average assets | 2.6704% | 1,713 |
| Loan and lease loss provision to assets | 0.0560% | 1,929 |
| Net operating income to assets | 0.7917% | 3,357 |
| Return on assets (ROA) | 0.7933% | 3,424 |
| Pretax return on assets | 0.9980% | 3,261 |
| Return on Equity (ROE) | 7.1930% | 3,464 |
| Retained earnings to average equity (ytd only) | 7.1930% | 1,847 |
| Net charge-offs to loans | 0.0102% | 2,174 |
| Credit loss provision to net charge-offs | 779.2208% | 614 |
| Earnings coverage of net charge-offs (x) | 146.4416% | 675 |
| Efficiency ratio | 71.7386% | 1,536 |
| Assets per employee ($millions) | 7.0644% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 3,783 |
| Loan loss allowance to noncurrent loans | 192.4890% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 1,814 |
| Noncurrent loans to loans | 0.5153% | 1,835 |
| Net loans and leases to total assets | 67.7466% | 1,299 |
| Net loans and leases to deposits | 77.5978% | 1,431 |
| Net loans and leases to core deposits | 87.1112% | 1,127 |
| Total domestic deposits to total assets | 87.3048% | 2,385 |
| Equity capital to assets | 11.2799% | 1,618 |
| Core capital (leverage) ratio | 11.1158% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7869% | 506 |
| Memoranda: | ||
| Average total assets | $1,071,858,600 | 913 |
| Average earning assets | $1,016,916,000 | 893 |
| Average equity | $118,211,800 | 879 |
| Average total loans | $756,492,800 | 827 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3955% | 3,114 |
| Cost of funding earning assets | 0.2393% | 3,217 |
| Net interest margin | 3.1562% | 2,873 |
| Noninterest income to average assets | 0.7144% | 1,777 |
| Noninterest expense to average assets | 2.5857% | 1,883 |
| Loan and lease loss provision to assets | 0.0657% | 1,682 |
| Net operating income to assets | 0.8299% | 3,444 |
| Return on assets (ROA) | 0.8323% | 3,499 |
| Pretax return on assets | 1.0566% | 3,306 |
| Return on Equity (ROE) | 7.5912% | 3,512 |
| Retained earnings to average equity (ytd only) | 7.5912% | 2,183 |
| Net charge-offs to loans | 0.0081% | 2,014 |
| Credit loss provision to net charge-offs | 1,141.3043% | 476 |
| Earnings coverage of net charge-offs (x) | 194.5435% | 567 |
| Efficiency ratio | 69.7914% | 1,625 |
| Assets per employee ($millions) | 7.1541% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 3,904 |
| Loan loss allowance to noncurrent loans | 164.4049% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 1,851 |
| Noncurrent loans to loans | 0.5982% | 1,818 |
| Net loans and leases to total assets | 66.2415% | 1,512 |
| Net loans and leases to deposits | 75.7368% | 1,695 |
| Net loans and leases to core deposits | 85.5100% | 1,321 |
| Total domestic deposits to total assets | 87.4628% | 2,128 |
| Equity capital to assets | 10.6514% | 2,319 |
| Core capital (leverage) ratio | 11.0547% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9687% | 539 |
| Memoranda: | ||
| Average total assets | $1,066,078,500 | 923 |
| Average earning assets | $1,010,132,750 | 905 |
| Average equity | $116,886,750 | 900 |
| Average total loans | $758,305,250 | 842 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3709% | 3,261 |
| Cost of funding earning assets | 0.2618% | 3,169 |
| Net interest margin | 3.1091% | 3,005 |
| Noninterest income to average assets | 0.7113% | 1,762 |
| Noninterest expense to average assets | 2.5902% | 1,887 |
| Loan and lease loss provision to assets | 0.0860% | 1,430 |
| Net operating income to assets | 0.7777% | 3,571 |
| Return on assets (ROA) | 0.7801% | 3,629 |
| Pretax return on assets | 0.9803% | 3,485 |
| Return on Equity (ROE) | 7.0432% | 3,647 |
| Retained earnings to average equity (ytd only) | 7.0432% | 2,414 |
| Net charge-offs to loans | 0.0063% | 1,914 |
| Credit loss provision to net charge-offs | 1,875.0000% | 307 |
| Earnings coverage of net charge-offs (x) | 231.9167% | 456 |
| Efficiency ratio | 70.8983% | 1,540 |
| Assets per employee ($millions) | 6.6363% | 2,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 3,978 |
| Loan loss allowance to noncurrent loans | 193.4863% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 2,190 |
| Noncurrent loans to loans | 0.4941% | 2,201 |
| Net loans and leases to total assets | 70.2642% | 1,163 |
| Net loans and leases to deposits | 80.9790% | 1,330 |
| Net loans and leases to core deposits | 92.4160% | 982 |
| Total domestic deposits to total assets | 86.7685% | 2,438 |
| Equity capital to assets | 10.8992% | 2,068 |
| Core capital (leverage) ratio | 11.1012% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7931% | 552 |
| Memoranda: | ||
| Average total assets | $1,047,040,000 | 933 |
| Average earning assets | $990,784,000 | 914 |
| Average equity | $115,970,333 | 894 |
| Average total loans | $760,603,333 | 843 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5038% | 2,914 |
| Cost of funding earning assets | 0.2939% | 3,059 |
| Net interest margin | 3.2099% | 2,664 |
| Noninterest income to average assets | 0.6957% | 1,881 |
| Noninterest expense to average assets | 2.5184% | 2,127 |
| Loan and lease loss provision to assets | 0.1457% | 909 |
| Net operating income to assets | 0.8469% | 3,281 |
| Return on assets (ROA) | 0.8515% | 3,347 |
| Pretax return on assets | 1.0714% | 3,190 |
| Return on Equity (ROE) | 7.6240% | 3,435 |
| Retained earnings to average equity (ytd only) | 7.6240% | 2,372 |
| Net charge-offs to loans | 0.0116% | 1,518 |
| Credit loss provision to net charge-offs | 1,704.5455% | 276 |
| Earnings coverage of net charge-offs (x) | 141.7273% | 504 |
| Efficiency ratio | 67.5242% | 2,005 |
| Assets per employee ($millions) | 6.9986% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 4,015 |
| Loan loss allowance to noncurrent loans | 237.9299% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2908% | 2,684 |
| Noncurrent loans to loans | 0.3996% | 2,671 |
| Net loans and leases to total assets | 72.0768% | 1,013 |
| Net loans and leases to deposits | 83.3128% | 1,217 |
| Net loans and leases to core deposits | 95.4175% | 910 |
| Total domestic deposits to total assets | 86.5136% | 2,521 |
| Equity capital to assets | 11.0202% | 1,840 |
| Core capital (leverage) ratio | 11.5093% | 1,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8318% | 599 |
| Memoranda: | ||
| Average total assets | $1,029,701,000 | 932 |
| Average earning assets | $973,231,000 | 916 |
| Average equity | $115,006,000 | 897 |
| Average total loans | $757,206,000 | 846 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8522% | 3,157 |
| Cost of funding earning assets | 0.5902% | 2,387 |
| Net interest margin | 3.2620% | 3,179 |
| Noninterest income to average assets | 0.8534% | 1,389 |
| Noninterest expense to average assets | 2.7475% | 2,086 |
| Loan and lease loss provision to assets | 0.1263% | 2,779 |
| Net operating income to assets | 0.8312% | 2,976 |
| Return on assets (ROA) | 0.8316% | 3,098 |
| Pretax return on assets | 1.0504% | 2,877 |
| Return on Equity (ROE) | 7.1538% | 3,143 |
| Retained earnings to average equity (ytd only) | 7.1538% | 1,339 |
| Net charge-offs to loans | -0.0187% | 4,406 |
| Credit loss provision to net charge-offs | -851.0638% | 4,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0233% | 1,946 |
| Assets per employee ($millions) | 6.5987% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 4,127 |
| Loan loss allowance to noncurrent loans | 216.2754% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3165% | 2,727 |
| Noncurrent loans to loans | 0.4257% | 2,702 |
| Net loans and leases to total assets | 73.6503% | 1,069 |
| Net loans and leases to deposits | 86.4511% | 1,219 |
| Net loans and leases to core deposits | 100.0740% | 892 |
| Total domestic deposits to total assets | 85.1931% | 2,687 |
| Equity capital to assets | 11.3234% | 2,007 |
| Core capital (leverage) ratio | 11.5092% | 1,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0272% | 581 |
| Memoranda: | ||
| Average total assets | $950,098,200 | 925 |
| Average earning assets | $894,273,200 | 906 |
| Average equity | $110,445,400 | 884 |
| Average total loans | $753,736,400 | 824 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9123% | 3,212 |
| Cost of funding earning assets | 0.6668% | 2,217 |
| Net interest margin | 3.2455% | 3,348 |
| Noninterest income to average assets | 0.8101% | 1,456 |
| Noninterest expense to average assets | 2.6993% | 2,257 |
| Loan and lease loss provision to assets | 0.1176% | 2,852 |
| Net operating income to assets | 0.8302% | 2,980 |
| Return on assets (ROA) | 0.8307% | 3,104 |
| Pretax return on assets | 1.0469% | 2,915 |
| Return on Equity (ROE) | 7.0966% | 3,158 |
| Retained earnings to average equity (ytd only) | 7.0966% | 1,648 |
| Net charge-offs to loans | -0.0295% | 4,526 |
| Credit loss provision to net charge-offs | -494.0120% | 3,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8749% | 1,901 |
| Assets per employee ($millions) | 6.4153% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8428% | 4,248 |
| Loan loss allowance to noncurrent loans | 163.4936% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 2,560 |
| Noncurrent loans to loans | 0.5155% | 2,509 |
| Net loans and leases to total assets | 77.6241% | 877 |
| Net loans and leases to deposits | 91.7880% | 1,093 |
| Net loans and leases to core deposits | 106.1491% | 842 |
| Total domestic deposits to total assets | 84.5689% | 2,604 |
| Equity capital to assets | 11.3976% | 2,083 |
| Core capital (leverage) ratio | 11.5141% | 1,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1797% | 655 |
| Memoranda: | ||
| Average total assets | $935,221,000 | 928 |
| Average earning assets | $879,771,000 | 910 |
| Average equity | $109,476,250 | 886 |
| Average total loans | $754,548,250 | 812 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9808% | 3,377 |
| Cost of funding earning assets | 0.7422% | 2,166 |
| Net interest margin | 3.2386% | 3,559 |
| Noninterest income to average assets | 0.7369% | 1,617 |
| Noninterest expense to average assets | 2.7113% | 2,349 |
| Loan and lease loss provision to assets | 0.0983% | 3,049 |
| Net operating income to assets | 0.7804% | 3,107 |
| Return on assets (ROA) | 0.7744% | 3,252 |
| Pretax return on assets | 0.9662% | 3,124 |
| Return on Equity (ROE) | 6.5533% | 3,308 |
| Retained earnings to average equity (ytd only) | 6.5533% | 1,844 |
| Net charge-offs to loans | 0.0032% | 2,879 |
| Credit loss provision to net charge-offs | 3,750.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 408.9167% | 247 |
| Efficiency ratio | 71.6653% | 1,739 |
| Assets per employee ($millions) | 6.3564% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7711% | 4,415 |
| Loan loss allowance to noncurrent loans | 124.2092% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 2,354 |
| Noncurrent loans to loans | 0.6208% | 2,305 |
| Net loans and leases to total assets | 78.9814% | 725 |
| Net loans and leases to deposits | 94.0997% | 956 |
| Net loans and leases to core deposits | 111.9276% | 665 |
| Total domestic deposits to total assets | 83.9337% | 2,767 |
| Equity capital to assets | 11.3265% | 2,108 |
| Core capital (leverage) ratio | 11.5870% | 1,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6587% | 707 |
| Memoranda: | ||
| Average total assets | $915,504,000 | 928 |
| Average earning assets | $861,181,667 | 907 |
| Average equity | $108,190,000 | 892 |
| Average total loans | $746,586,667 | 815 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1363% | 3,415 |
| Cost of funding earning assets | 0.8065% | 2,344 |
| Net interest margin | 3.3297% | 3,517 |
| Noninterest income to average assets | 0.7332% | 1,519 |
| Noninterest expense to average assets | 2.9816% | 1,926 |
| Loan and lease loss provision to assets | 0.0339% | 3,343 |
| Net operating income to assets | 0.6932% | 3,296 |
| Return on assets (ROA) | 0.6617% | 3,462 |
| Pretax return on assets | 0.8070% | 3,393 |
| Return on Equity (ROE) | 5.4732% | 3,482 |
| Retained earnings to average equity (ytd only) | 5.4732% | 2,080 |
| Net charge-offs to loans | 0.0044% | 2,418 |
| Credit loss provision to net charge-offs | 937.5000% | 605 |
| Earnings coverage of net charge-offs (x) | 242.8750% | 286 |
| Efficiency ratio | 77.2242% | 1,430 |
| Assets per employee ($millions) | 5.5785% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7703% | 4,473 |
| Loan loss allowance to noncurrent loans | 123.8085% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.5069% | 2,480 |
| Noncurrent loans to loans | 0.6222% | 2,437 |
| Net loans and leases to total assets | 80.8464% | 586 |
| Net loans and leases to deposits | 97.7432% | 749 |
| Net loans and leases to core deposits | 120.7358% | 446 |
| Total domestic deposits to total assets | 82.7130% | 3,201 |
| Equity capital to assets | 11.9981% | 2,073 |
| Core capital (leverage) ratio | 12.3248% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4419% | 813 |
| Memoranda: | ||
| Average total assets | $883,811,500 | 927 |
| Average earning assets | $830,213,000 | 910 |
| Average equity | $106,848,000 | 899 |
| Average total loans | $730,306,000 | 810 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 3,740 |
| Cost of funding earning assets | 0.8670% | 2,349 |
| Net interest margin | 3.3604% | 3,850 |
| Noninterest income to average assets | 0.8043% | 1,441 |
| Noninterest expense to average assets | 2.8780% | 2,358 |
| Loan and lease loss provision to assets | 0.0346% | 3,318 |
| Net operating income to assets | 0.8325% | 3,443 |
| Return on assets (ROA) | 0.8357% | 3,519 |
| Pretax return on assets | 1.0500% | 3,332 |
| Return on Equity (ROE) | 7.0811% | 3,528 |
| Retained earnings to average equity (ytd only) | 7.0811% | 1,363 |
| Net charge-offs to loans | 0.0400% | 2,584 |
| Credit loss provision to net charge-offs | 104.5296% | 2,369 |
| Earnings coverage of net charge-offs (x) | 32.6272% | 1,498 |
| Efficiency ratio | 72.7029% | 1,773 |
| Assets per employee ($millions) | 5.5030% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7641% | 4,409 |
| Loan loss allowance to noncurrent loans | 111.8049% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 2,170 |
| Noncurrent loans to loans | 0.6834% | 2,178 |
| Net loans and leases to total assets | 83.1865% | 404 |
| Net loans and leases to deposits | 99.3068% | 644 |
| Net loans and leases to core deposits | 117.7475% | 543 |
| Total domestic deposits to total assets | 83.7672% | 2,924 |
| Equity capital to assets | 12.1838% | 2,025 |
| Core capital (leverage) ratio | 12.2338% | 1,638 |
| Tier 1 risk-based capital ratio | 19.3629% | 1,443 |
| Total risk-based capital ratio | 20.3771% | 1,462 |
| Memoranda: | ||
| Average total assets | $866,577,000 | 911 |
| Average earning assets | $813,405,200 | 891 |
| Average equity | $102,272,800 | 884 |
| Average total loans | $718,321,000 | 793 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2252% | 3,869 |
| Cost of funding earning assets | 0.8720% | 2,360 |
| Net interest margin | 3.3531% | 3,978 |
| Noninterest income to average assets | 0.7929% | 1,440 |
| Noninterest expense to average assets | 2.8566% | 2,390 |
| Loan and lease loss provision to assets | 0.0346% | 3,206 |
| Net operating income to assets | 0.8352% | 3,562 |
| Return on assets (ROA) | 0.8352% | 3,644 |
| Pretax return on assets | 1.0487% | 3,446 |
| Return on Equity (ROE) | 7.1350% | 3,629 |
| Retained earnings to average equity (ytd only) | 7.1350% | 1,796 |
| Net charge-offs to loans | 0.0410% | 2,272 |
| Credit loss provision to net charge-offs | 102.2727% | 2,207 |
| Earnings coverage of net charge-offs (x) | 31.9769% | 1,566 |
| Efficiency ratio | 72.5045% | 1,760 |
| Assets per employee ($millions) | 5.2678% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7636% | 4,512 |
| Loan loss allowance to noncurrent loans | 143.3987% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.4435% | 2,752 |
| Noncurrent loans to loans | 0.5325% | 2,689 |
| Net loans and leases to total assets | 82.6441% | 499 |
| Net loans and leases to deposits | 99.6120% | 670 |
| Net loans and leases to core deposits | 121.3499% | 492 |
| Total domestic deposits to total assets | 82.9661% | 3,182 |
| Equity capital to assets | 12.0579% | 2,211 |
| Core capital (leverage) ratio | 11.9965% | 1,855 |
| Tier 1 risk-based capital ratio | 19.0907% | 1,545 |
| Total risk-based capital ratio | 20.1057% | 1,563 |
| Memoranda: | ||
| Average total assets | $865,851,500 | 907 |
| Average earning assets | $812,634,750 | 889 |
| Average equity | $101,357,000 | 891 |
| Average total loans | $715,686,750 | 795 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 3,932 |
| Cost of funding earning assets | 0.8597% | 2,355 |
| Net interest margin | 3.3378% | 4,054 |
| Noninterest income to average assets | 0.7643% | 1,467 |
| Noninterest expense to average assets | 2.8464% | 2,424 |
| Loan and lease loss provision to assets | 0.0348% | 3,131 |
| Net operating income to assets | 0.8114% | 3,613 |
| Return on assets (ROA) | 0.8114% | 3,672 |
| Pretax return on assets | 1.0153% | 3,490 |
| Return on Equity (ROE) | 7.0023% | 3,677 |
| Retained earnings to average equity (ytd only) | 7.0023% | 1,807 |
| Net charge-offs to loans | 0.0483% | 1,953 |
| Credit loss provision to net charge-offs | 87.2093% | 2,160 |
| Earnings coverage of net charge-offs (x) | 26.3430% | 1,573 |
| Efficiency ratio | 73.0506% | 1,768 |
| Assets per employee ($millions) | 5.3203% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7694% | 4,547 |
| Loan loss allowance to noncurrent loans | 134.2878% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.4723% | 2,642 |
| Noncurrent loans to loans | 0.5729% | 2,539 |
| Net loans and leases to total assets | 81.8046% | 637 |
| Net loans and leases to deposits | 98.1810% | 822 |
| Net loans and leases to core deposits | 119.3371% | 569 |
| Total domestic deposits to total assets | 83.3202% | 3,108 |
| Equity capital to assets | 11.7860% | 2,355 |
| Core capital (leverage) ratio | 12.0065% | 1,825 |
| Tier 1 risk-based capital ratio | 19.0489% | 1,545 |
| Total risk-based capital ratio | 20.0756% | 1,559 |
| Memoranda: | ||
| Average total assets | $862,984,000 | 907 |
| Average earning assets | $809,815,000 | 889 |
| Average equity | $99,995,670 | 898 |
| Average total loans | $711,500,330 | 795 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2004% | 3,863 |
| Cost of funding earning assets | 0.8627% | 2,197 |
| Net interest margin | 3.3377% | 4,066 |
| Noninterest income to average assets | 0.7308% | 1,498 |
| Noninterest expense to average assets | 2.8198% | 2,500 |
| Loan and lease loss provision to assets | 0.0350% | 2,925 |
| Net operating income to assets | 0.8082% | 3,589 |
| Return on assets (ROA) | 0.8082% | 3,626 |
| Pretax return on assets | 1.0100% | 3,410 |
| Return on Equity (ROE) | 7.0362% | 3,668 |
| Retained earnings to average equity (ytd only) | 7.0362% | 2,023 |
| Net charge-offs to loans | 0.1492% | 877 |
| Credit loss provision to net charge-offs | 28.4091% | 2,096 |
| Earnings coverage of net charge-offs (x) | 8.4924% | 2,083 |
| Efficiency ratio | 72.9619% | 1,888 |
| Assets per employee ($millions) | 5.5138% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 4,635 |
| Loan loss allowance to noncurrent loans | 139.3043% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 2,804 |
| Noncurrent loans to loans | 0.5451% | 2,679 |
| Net loans and leases to total assets | 81.5386% | 640 |
| Net loans and leases to deposits | 97.4077% | 850 |
| Net loans and leases to core deposits | 123.2851% | 439 |
| Total domestic deposits to total assets | 83.7086% | 3,141 |
| Equity capital to assets | 11.6352% | 2,285 |
| Core capital (leverage) ratio | 11.7200% | 1,963 |
| Tier 1 risk-based capital ratio | 19.1640% | 1,513 |
| Total risk-based capital ratio | 20.1831% | 1,526 |
| Memoranda: | ||
| Average total assets | $858,214,000 | 913 |
| Average earning assets | $805,836,000 | 896 |
| Average equity | $98,575,500 | 905 |
| Average total loans | $707,601,000 | 803 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 3,616 |
| Cost of funding earning assets | 0.6993% | 2,098 |
| Net interest margin | 3.4416% | 3,874 |
| Noninterest income to average assets | 0.7467% | 1,657 |
| Noninterest expense to average assets | 2.7787% | 2,759 |
| Loan and lease loss provision to assets | 0.0358% | 3,483 |
| Net operating income to assets | 0.9181% | 3,372 |
| Return on assets (ROA) | 0.9158% | 3,371 |
| Pretax return on assets | 1.1485% | 3,105 |
| Return on Equity (ROE) | 8.2051% | 3,354 |
| Retained earnings to average equity (ytd only) | 8.2051% | 1,154 |
| Net charge-offs to loans | 0.0072% | 3,426 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 198.9200% | 456 |
| Efficiency ratio | 70.0647% | 2,178 |
| Assets per employee ($millions) | 5.6333% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7842% | 4,589 |
| Loan loss allowance to noncurrent loans | 148.4371% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.4432% | 2,797 |
| Noncurrent loans to loans | 0.5283% | 2,682 |
| Net loans and leases to total assets | 82.0933% | 633 |
| Net loans and leases to deposits | 98.9758% | 820 |
| Net loans and leases to core deposits | 124.3384% | 432 |
| Total domestic deposits to total assets | 82.9428% | 3,345 |
| Equity capital to assets | 11.3671% | 2,352 |
| Core capital (leverage) ratio | 11.6826% | 1,967 |
| Tier 1 risk-based capital ratio | 18.7330% | 1,565 |
| Total risk-based capital ratio | 19.7824% | 1,562 |
| Memoranda: | ||
| Average total assets | $837,770,600 | 908 |
| Average earning assets | $783,620,400 | 897 |
| Average equity | $93,502,600 | 902 |
| Average total loans | $689,804,200 | 798 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1170% | 3,574 |
| Cost of funding earning assets | 0.6762% | 1,994 |
| Net interest margin | 3.4408% | 3,891 |
| Noninterest income to average assets | 0.7445% | 1,696 |
| Noninterest expense to average assets | 2.7634% | 2,764 |
| Loan and lease loss provision to assets | 0.0360% | 3,286 |
| Net operating income to assets | 0.9232% | 3,416 |
| Return on assets (ROA) | 0.9202% | 3,433 |
| Pretax return on assets | 1.1577% | 3,170 |
| Return on Equity (ROE) | 8.2840% | 3,423 |
| Retained earnings to average equity (ytd only) | 8.2840% | 1,521 |
| Net charge-offs to loans | 0.0066% | 3,195 |
| Credit loss provision to net charge-offs | 661.7647% | 551 |
| Earnings coverage of net charge-offs (x) | 220.0988% | 412 |
| Efficiency ratio | 69.7669% | 2,237 |
| Assets per employee ($millions) | 5.5331% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7868% | 4,669 |
| Loan loss allowance to noncurrent loans | 140.8613% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 2,743 |
| Noncurrent loans to loans | 0.5586% | 2,707 |
| Net loans and leases to total assets | 82.3825% | 649 |
| Net loans and leases to deposits | 98.7332% | 885 |
| Net loans and leases to core deposits | 124.0077% | 462 |
| Total domestic deposits to total assets | 83.4395% | 3,148 |
| Equity capital to assets | 11.2461% | 2,433 |
| Core capital (leverage) ratio | 11.5809% | 2,109 |
| Tier 1 risk-based capital ratio | 18.7953% | 1,592 |
| Total risk-based capital ratio | 19.8573% | 1,590 |
| Memoranda: | ||
| Average total assets | $833,149,750 | 910 |
| Average earning assets | $778,831,250 | 901 |
| Average equity | $92,545,500 | 907 |
| Average total loans | $685,134,500 | 804 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 3,548 |
| Cost of funding earning assets | 0.6511% | 1,923 |
| Net interest margin | 3.4203% | 3,894 |
| Noninterest income to average assets | 0.7598% | 1,612 |
| Noninterest expense to average assets | 2.7650% | 2,784 |
| Loan and lease loss provision to assets | 0.0361% | 3,189 |
| Net operating income to assets | 0.9231% | 3,353 |
| Return on assets (ROA) | 0.9185% | 3,388 |
| Pretax return on assets | 1.1494% | 3,134 |
| Return on Equity (ROE) | 8.3034% | 3,360 |
| Retained earnings to average equity (ytd only) | 8.3034% | 1,490 |
| Net charge-offs to loans | 0.0132% | 2,693 |
| Credit loss provision to net charge-offs | 333.3333% | 935 |
| Earnings coverage of net charge-offs (x) | 109.9333% | 657 |
| Efficiency ratio | 69.8886% | 2,331 |
| Assets per employee ($millions) | 5.3478% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 4,740 |
| Loan loss allowance to noncurrent loans | 159.4459% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 3,001 |
| Noncurrent loans to loans | 0.4914% | 2,958 |
| Net loans and leases to total assets | 82.1206% | 698 |
| Net loans and leases to deposits | 99.5731% | 833 |
| Net loans and leases to core deposits | 122.9090% | 492 |
| Total domestic deposits to total assets | 82.4726% | 3,570 |
| Equity capital to assets | 11.1754% | 2,480 |
| Core capital (leverage) ratio | 11.4777% | 2,090 |
| Tier 1 risk-based capital ratio | 18.3358% | 1,718 |
| Total risk-based capital ratio | 19.3765% | 1,724 |
| Memoranda: | ||
| Average total assets | $830,522,330 | 917 |
| Average earning assets | $776,200,330 | 907 |
| Average equity | $91,866,330 | 909 |
| Average total loans | $680,726,670 | 806 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0362% | 3,483 |
| Cost of funding earning assets | 0.6231% | 1,895 |
| Net interest margin | 3.4130% | 3,841 |
| Noninterest income to average assets | 0.6990% | 1,834 |
| Noninterest expense to average assets | 2.7765% | 2,787 |
| Loan and lease loss provision to assets | 0.0362% | 3,021 |
| Net operating income to assets | 0.8621% | 3,444 |
| Return on assets (ROA) | 0.8621% | 3,461 |
| Pretax return on assets | 1.0774% | 3,253 |
| Return on Equity (ROE) | 7.8347% | 3,454 |
| Retained earnings to average equity (ytd only) | 7.8347% | 1,905 |
| Net charge-offs to loans | 0.0036% | 2,611 |
| Credit loss provision to net charge-offs | 1,250.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 384.5000% | 178 |
| Efficiency ratio | 71.3736% | 2,286 |
| Assets per employee ($millions) | 5.6986% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7917% | 4,807 |
| Loan loss allowance to noncurrent loans | 255.2232% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 3,755 |
| Noncurrent loans to loans | 0.3102% | 3,661 |
| Net loans and leases to total assets | 80.9507% | 801 |
| Net loans and leases to deposits | 98.1174% | 846 |
| Net loans and leases to core deposits | 122.4735% | 513 |
| Total domestic deposits to total assets | 82.5040% | 3,813 |
| Equity capital to assets | 10.9859% | 2,598 |
| Core capital (leverage) ratio | 11.2800% | 2,185 |
| Tier 1 risk-based capital ratio | 18.0107% | 1,835 |
| Total risk-based capital ratio | 19.0485% | 1,840 |
| Memoranda: | ||
| Average total assets | $828,659,000 | 923 |
| Average earning assets | $774,793,000 | 915 |
| Average equity | $91,184,000 | 925 |
| Average total loans | $675,840,000 | 811 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0323% | 3,296 |
| Cost of funding earning assets | 0.5693% | 1,833 |
| Net interest margin | 3.4630% | 3,646 |
| Noninterest income to average assets | 0.7244% | 1,866 |
| Noninterest expense to average assets | 2.7773% | 2,857 |
| Loan and lease loss provision to assets | 0.0371% | 3,527 |
| Net operating income to assets | 0.5907% | 4,051 |
| Return on assets (ROA) | 0.5956% | 4,071 |
| Pretax return on assets | 1.1376% | 3,030 |
| Return on Equity (ROE) | 5.4194% | 3,998 |
| Retained earnings to average equity (ytd only) | 5.4194% | 1,860 |
| Net charge-offs to loans | 0.0068% | 3,834 |
| Credit loss provision to net charge-offs | 681.8182% | 482 |
| Earnings coverage of net charge-offs (x) | 214.4545% | 375 |
| Efficiency ratio | 70.4136% | 2,485 |
| Assets per employee ($millions) | 5.7702% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 4,860 |
| Loan loss allowance to noncurrent loans | 262.8840% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 3,882 |
| Noncurrent loans to loans | 0.2999% | 3,704 |
| Net loans and leases to total assets | 80.8946% | 849 |
| Net loans and leases to deposits | 99.7445% | 746 |
| Net loans and leases to core deposits | 122.6801% | 502 |
| Total domestic deposits to total assets | 81.1019% | 4,097 |
| Equity capital to assets | 11.0619% | 2,572 |
| Core capital (leverage) ratio | 11.1315% | 2,215 |
| Tier 1 risk-based capital ratio | 17.7389% | 1,880 |
| Total risk-based capital ratio | 18.7680% | 1,892 |
| Memoranda: | ||
| Average total assets | $808,576,600 | 924 |
| Average earning assets | $751,837,000 | 915 |
| Average equity | $88,866,600 | 910 |
| Average total loans | $649,493,200 | 808 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0000% | 3,359 |
| Cost of funding earning assets | 0.5755% | 1,707 |
| Net interest margin | 3.4245% | 3,762 |
| Noninterest income to average assets | 0.7208% | 1,904 |
| Noninterest expense to average assets | 2.7812% | 2,794 |
| Loan and lease loss provision to assets | 0.0373% | 3,365 |
| Net operating income to assets | 0.7801% | 3,601 |
| Return on assets (ROA) | 0.7866% | 3,633 |
| Pretax return on assets | 1.0921% | 3,331 |
| Return on Equity (ROE) | 7.1692% | 3,557 |
| Retained earnings to average equity (ytd only) | 7.1692% | 1,600 |
| Net charge-offs to loans | 0.0068% | 3,487 |
| Credit loss provision to net charge-offs | 681.8182% | 489 |
| Earnings coverage of net charge-offs (x) | 204.8130% | 425 |
| Efficiency ratio | 71.2860% | 2,329 |
| Assets per employee ($millions) | 5.8431% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7884% | 4,922 |
| Loan loss allowance to noncurrent loans | 210.0601% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 3,832 |
| Noncurrent loans to loans | 0.3753% | 3,609 |
| Net loans and leases to total assets | 80.0561% | 978 |
| Net loans and leases to deposits | 102.7166% | 565 |
| Net loans and leases to core deposits | 121.4096% | 539 |
| Total domestic deposits to total assets | 77.9388% | 4,738 |
| Equity capital to assets | 11.0687% | 2,797 |
| Core capital (leverage) ratio | 11.2061% | 2,269 |
| Tier 1 risk-based capital ratio | 17.7799% | 1,915 |
| Total risk-based capital ratio | 18.7997% | 1,936 |
| Memoranda: | ||
| Average total assets | $804,437,000 | 933 |
| Average earning assets | $747,145,250 | 929 |
| Average equity | $88,264,250 | 921 |
| Average total loans | $643,667,750 | 819 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 3,297 |
| Cost of funding earning assets | 0.5857% | 1,539 |
| Net interest margin | 3.3913% | 3,801 |
| Noninterest income to average assets | 0.7038% | 1,969 |
| Noninterest expense to average assets | 2.7924% | 2,792 |
| Loan and lease loss provision to assets | 0.0378% | 3,256 |
| Net operating income to assets | 0.7396% | 3,674 |
| Return on assets (ROA) | 0.7396% | 3,738 |
| Pretax return on assets | 1.0199% | 3,479 |
| Return on Equity (ROE) | 6.7615% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.7615% | 1,709 |
| Net charge-offs to loans | 0.0060% | 3,247 |
| Credit loss provision to net charge-offs | 794.7368% | 464 |
| Earnings coverage of net charge-offs (x) | 222.1053% | 381 |
| Efficiency ratio | 72.5278% | 2,259 |
| Assets per employee ($millions) | 5.7698% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7928% | 4,968 |
| Loan loss allowance to noncurrent loans | 200.5031% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 3,839 |
| Noncurrent loans to loans | 0.3954% | 3,608 |
| Net loans and leases to total assets | 79.1317% | 1,076 |
| Net loans and leases to deposits | 98.5226% | 841 |
| Net loans and leases to core deposits | 119.9990% | 558 |
| Total domestic deposits to total assets | 80.3183% | 4,346 |
| Equity capital to assets | 10.8953% | 2,930 |
| Core capital (leverage) ratio | 11.1116% | 2,306 |
| Tier 1 risk-based capital ratio | 17.6909% | 1,950 |
| Total risk-based capital ratio | 18.7141% | 1,976 |
| Memoranda: | ||
| Average total assets | $797,956,330 | 948 |
| Average earning assets | $740,313,670 | 941 |
| Average equity | $87,288,000 | 937 |
| Average total loans | $636,621,670 | 827 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9648% | 3,155 |
| Cost of funding earning assets | 0.5895% | 1,445 |
| Net interest margin | 3.3753% | 3,734 |
| Noninterest income to average assets | 0.6803% | 2,041 |
| Noninterest expense to average assets | 2.8005% | 2,790 |
| Loan and lease loss provision to assets | 0.0381% | 3,039 |
| Net operating income to assets | 0.7118% | 3,653 |
| Return on assets (ROA) | 0.7118% | 3,695 |
| Pretax return on assets | 0.9720% | 3,488 |
| Return on Equity (ROE) | 6.4937% | 3,668 |
| Retained earnings to average equity (ytd only) | 6.4937% | 2,083 |
| Net charge-offs to loans | -0.0076% | 4,318 |
| Credit loss provision to net charge-offs | -625.0000% | 4,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4933% | 2,323 |
| Assets per employee ($millions) | 5.8069% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 5,055 |
| Loan loss allowance to noncurrent loans | 211.6193% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3051% | 3,972 |
| Noncurrent loans to loans | 0.3795% | 3,738 |
| Net loans and leases to total assets | 79.7487% | 865 |
| Net loans and leases to deposits | 103.4357% | 423 |
| Net loans and leases to core deposits | 122.2059% | 407 |
| Total domestic deposits to total assets | 77.0998% | 5,102 |
| Equity capital to assets | 10.9448% | 2,692 |
| Core capital (leverage) ratio | 11.1200% | 2,261 |
| Tier 1 risk-based capital ratio | 17.6399% | 1,991 |
| Total risk-based capital ratio | 18.6692% | 2,006 |
| Memoranda: | ||
| Average total assets | $787,276,500 | 956 |
| Average earning assets | $730,127,500 | 950 |
| Average equity | $86,298,500 | 942 |
| Average total loans | $628,172,500 | 835 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9808% | 3,266 |
| Cost of funding earning assets | 0.6399% | 1,109 |
| Net interest margin | 3.3409% | 4,026 |
| Noninterest income to average assets | 0.7345% | 2,021 |
| Noninterest expense to average assets | 2.8502% | 2,844 |
| Loan and lease loss provision to assets | 0.0395% | 3,591 |
| Net operating income to assets | 0.6913% | 3,823 |
| Return on assets (ROA) | 0.6913% | 3,929 |
| Pretax return on assets | 0.9347% | 3,711 |
| Return on Equity (ROE) | 6.2154% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.2154% | 1,600 |
| Net charge-offs to loans | 0.0470% | 3,098 |
| Credit loss provision to net charge-offs | 107.1429% | 2,436 |
| Earnings coverage of net charge-offs (x) | 26.4429% | 1,548 |
| Efficiency ratio | 74.5269% | 2,221 |
| Assets per employee ($millions) | 5.8135% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8186% | 5,053 |
| Loan loss allowance to noncurrent loans | 137.3130% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 3,352 |
| Noncurrent loans to loans | 0.5962% | 3,066 |
| Net loans and leases to total assets | 78.5259% | 1,123 |
| Net loans and leases to deposits | 105.8192% | 350 |
| Net loans and leases to core deposits | 119.0784% | 511 |
| Total domestic deposits to total assets | 74.2076% | 5,425 |
| Equity capital to assets | 10.9789% | 2,645 |
| Core capital (leverage) ratio | 11.2804% | 2,097 |
| Tier 1 risk-based capital ratio | 18.0333% | 1,838 |
| Total risk-based capital ratio | 19.0844% | 1,852 |
| Memoranda: | ||
| Average total assets | $760,004,600 | 953 |
| Average earning assets | $702,915,800 | 949 |
| Average equity | $84,532,200 | 943 |
| Average total loans | $595,967,200 | 838 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9907% | 3,260 |
| Cost of funding earning assets | 0.6488% | 1,064 |
| Net interest margin | 3.3419% | 4,051 |
| Noninterest income to average assets | 0.7286% | 2,049 |
| Noninterest expense to average assets | 2.8565% | 2,800 |
| Loan and lease loss provision to assets | 0.0309% | 3,614 |
| Net operating income to assets | 0.6901% | 3,906 |
| Return on assets (ROA) | 0.6901% | 4,040 |
| Pretax return on assets | 0.9309% | 3,872 |
| Return on Equity (ROE) | 6.1837% | 3,984 |
| Retained earnings to average equity (ytd only) | 6.1837% | 2,070 |
| Net charge-offs to loans | 0.0251% | 3,169 |
| Credit loss provision to net charge-offs | 157.6577% | 1,719 |
| Earnings coverage of net charge-offs (x) | 49.0799% | 1,088 |
| Efficiency ratio | 74.8116% | 2,140 |
| Assets per employee ($millions) | 5.6998% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 5,058 |
| Loan loss allowance to noncurrent loans | 175.6207% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 3,872 |
| Noncurrent loans to loans | 0.4815% | 3,566 |
| Net loans and leases to total assets | 77.6179% | 1,259 |
| Net loans and leases to deposits | 103.8788% | 465 |
| Net loans and leases to core deposits | 116.7516% | 627 |
| Total domestic deposits to total assets | 74.7196% | 5,367 |
| Equity capital to assets | 11.2134% | 2,785 |
| Core capital (leverage) ratio | 11.2486% | 2,233 |
| Tier 1 risk-based capital ratio | 18.2205% | 1,857 |
| Total risk-based capital ratio | 19.3086% | 1,871 |
| Memoranda: | ||
| Average total assets | $755,252,500 | 959 |
| Average earning assets | $698,266,500 | 954 |
| Average equity | $84,283,500 | 952 |
| Average total loans | $590,765,000 | 845 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9916% | 3,271 |
| Cost of funding earning assets | 0.6589% | 1,004 |
| Net interest margin | 3.3327% | 4,106 |
| Noninterest income to average assets | 0.7451% | 1,950 |
| Noninterest expense to average assets | 2.8791% | 2,746 |
| Loan and lease loss provision to assets | 0.0266% | 3,596 |
| Net operating income to assets | 0.6838% | 3,882 |
| Return on assets (ROA) | 0.6838% | 4,024 |
| Pretax return on assets | 0.9180% | 3,885 |
| Return on Equity (ROE) | 6.1375% | 3,981 |
| Retained earnings to average equity (ytd only) | 6.1375% | 2,046 |
| Net charge-offs to loans | -0.0041% | 4,482 |
| Credit loss provision to net charge-offs | -833.3333% | 5,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2944% | 2,182 |
| Assets per employee ($millions) | 5.4785% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 5,093 |
| Loan loss allowance to noncurrent loans | 165.8387% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 3,859 |
| Noncurrent loans to loans | 0.5197% | 3,526 |
| Net loans and leases to total assets | 77.6526% | 1,246 |
| Net loans and leases to deposits | 105.3766% | 390 |
| Net loans and leases to core deposits | 118.9086% | 541 |
| Total domestic deposits to total assets | 73.6906% | 5,550 |
| Equity capital to assets | 11.2375% | 2,811 |
| Core capital (leverage) ratio | 11.1121% | 2,316 |
| Tier 1 risk-based capital ratio | 18.0187% | 1,927 |
| Total risk-based capital ratio | 19.1223% | 1,929 |
| Memoranda: | ||
| Average total assets | $750,511,670 | 962 |
| Average earning assets | $693,309,330 | 961 |
| Average equity | $83,616,670 | 954 |
| Average total loans | $586,905,670 | 847 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9678% | 3,341 |
| Cost of funding earning assets | 0.6607% | 991 |
| Net interest margin | 3.3071% | 4,199 |
| Noninterest income to average assets | 0.7447% | 1,837 |
| Noninterest expense to average assets | 2.9030% | 2,697 |
| Loan and lease loss provision to assets | 0.0134% | 3,517 |
| Net operating income to assets | 0.6652% | 3,900 |
| Return on assets (ROA) | 0.6652% | 4,021 |
| Pretax return on assets | 0.8837% | 3,916 |
| Return on Equity (ROE) | 5.9972% | 3,989 |
| Retained earnings to average equity (ytd only) | 5.9972% | 2,373 |
| Net charge-offs to loans | -0.0165% | 4,771 |
| Credit loss provision to net charge-offs | -104.1667% | 4,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3916% | 2,125 |
| Assets per employee ($millions) | 5.7299% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 5,178 |
| Loan loss allowance to noncurrent loans | 161.1041% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 3,903 |
| Noncurrent loans to loans | 0.5355% | 3,583 |
| Net loans and leases to total assets | 77.7464% | 1,134 |
| Net loans and leases to deposits | 105.6399% | 356 |
| Net loans and leases to core deposits | 120.1864% | 460 |
| Total domestic deposits to total assets | 73.5957% | 5,649 |
| Equity capital to assets | 11.1391% | 2,785 |
| Core capital (leverage) ratio | 11.1720% | 2,248 |
| Tier 1 risk-based capital ratio | 18.1294% | 1,950 |
| Total risk-based capital ratio | 19.2380% | 1,957 |
| Memoranda: | ||
| Average total assets | $745,014,500 | 967 |
| Average earning assets | $688,336,500 | 962 |
| Average equity | $82,638,000 | 964 |
| Average total loans | $582,123,500 | 845 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9991% | 3,311 |
| Cost of funding earning assets | 0.6494% | 1,075 |
| Net interest margin | 3.3497% | 4,113 |
| Noninterest income to average assets | 0.7484% | 1,994 |
| Noninterest expense to average assets | 3.0114% | 2,506 |
| Loan and lease loss provision to assets | 0.0042% | 4,311 |
| Net operating income to assets | 0.7109% | 3,762 |
| Return on assets (ROA) | 0.7142% | 3,851 |
| Pretax return on assets | 0.8063% | 4,166 |
| Return on Equity (ROE) | 6.5089% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.5089% | 1,536 |
| Net charge-offs to loans | 0.1566% | 1,813 |
| Credit loss provision to net charge-offs | 3.4682% | 3,875 |
| Earnings coverage of net charge-offs (x) | 6.6960% | 3,181 |
| Efficiency ratio | 78.8713% | 1,834 |
| Assets per employee ($millions) | 5.8221% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8737% | 5,187 |
| Loan loss allowance to noncurrent loans | 213.9090% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3446% | 4,205 |
| Noncurrent loans to loans | 0.4084% | 3,993 |
| Net loans and leases to total assets | 77.1643% | 1,230 |
| Net loans and leases to deposits | 101.4571% | 581 |
| Net loans and leases to core deposits | 117.2317% | 567 |
| Total domestic deposits to total assets | 76.0561% | 5,438 |
| Equity capital to assets | 11.0444% | 2,778 |
| Core capital (leverage) ratio | 11.0590% | 2,340 |
| Tier 1 risk-based capital ratio | 18.1424% | 1,921 |
| Total risk-based capital ratio | 19.2578% | 1,920 |
| Memoranda: | ||
| Average total assets | $717,970,200 | 967 |
| Average earning assets | $657,972,600 | 972 |
| Average equity | $78,784,400 | 966 |
| Average total loans | $552,244,200 | 849 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9897% | 3,381 |
| Cost of funding earning assets | 0.6394% | 1,154 |
| Net interest margin | 3.3503% | 4,141 |
| Noninterest income to average assets | 0.7579% | 1,992 |
| Noninterest expense to average assets | 2.9985% | 2,532 |
| Loan and lease loss provision to assets | 0.0056% | 4,156 |
| Net operating income to assets | 0.7561% | 3,653 |
| Return on assets (ROA) | 0.7585% | 3,744 |
| Pretax return on assets | 0.8219% | 4,268 |
| Return on Equity (ROE) | 6.9240% | 3,667 |
| Retained earnings to average equity (ytd only) | 6.9240% | 1,724 |
| Net charge-offs to loans | 0.1127% | 2,001 |
| Credit loss provision to net charge-offs | 6.4935% | 3,478 |
| Earnings coverage of net charge-offs (x) | 9.5434% | 2,684 |
| Efficiency ratio | 78.4243% | 1,899 |
| Assets per employee ($millions) | 5.7283% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 4,936 |
| Loan loss allowance to noncurrent loans | 238.2456% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 4,229 |
| Noncurrent loans to loans | 0.4034% | 4,166 |
| Net loans and leases to total assets | 76.3420% | 1,342 |
| Net loans and leases to deposits | 106.3327% | 352 |
| Net loans and leases to core deposits | 120.0689% | 468 |
| Total domestic deposits to total assets | 71.7954% | 5,874 |
| Equity capital to assets | 10.9425% | 3,087 |
| Core capital (leverage) ratio | 11.1248% | 2,374 |
| Tier 1 risk-based capital ratio | 17.8124% | 2,091 |
| Total risk-based capital ratio | 19.0154% | 2,063 |
| Memoranda: | ||
| Average total assets | $712,609,500 | 981 |
| Average earning assets | $652,027,750 | 983 |
| Average equity | $78,064,500 | 978 |
| Average total loans | $546,407,250 | 863 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 3,401 |
| Cost of funding earning assets | 0.6567% | 1,067 |
| Net interest margin | 3.3151% | 4,243 |
| Noninterest income to average assets | 0.7586% | 1,959 |
| Noninterest expense to average assets | 2.9864% | 2,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8162% | 3,302 |
| Return on assets (ROA) | 0.8196% | 3,389 |
| Pretax return on assets | 0.8085% | 4,291 |
| Return on Equity (ROE) | 7.4785% | 3,333 |
| Retained earnings to average equity (ytd only) | 7.4785% | 1,489 |
| Net charge-offs to loans | 0.1048% | 1,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 10.0389% | 2,397 |
| Efficiency ratio | 78.7652% | 1,949 |
| Assets per employee ($millions) | 5.2443% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 4,816 |
| Loan loss allowance to noncurrent loans | 177.4563% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4645% | 4,075 |
| Noncurrent loans to loans | 0.5695% | 3,742 |
| Net loans and leases to total assets | 76.0850% | 1,358 |
| Net loans and leases to deposits | 103.3156% | 484 |
| Net loans and leases to core deposits | 111.3422% | 767 |
| Total domestic deposits to total assets | 73.6433% | 5,824 |
| Equity capital to assets | 10.9374% | 2,951 |
| Core capital (leverage) ratio | 11.1967% | 2,249 |
| Tier 1 risk-based capital ratio | 17.6154% | 2,181 |
| Total risk-based capital ratio | 18.8557% | 2,137 |
| Memoranda: | ||
| Average total assets | $705,737,000 | 991 |
| Average earning assets | $645,645,330 | 993 |
| Average equity | $77,341,670 | 992 |
| Average total loans | $540,145,670 | 873 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9557% | 3,395 |
| Cost of funding earning assets | 0.6697% | 999 |
| Net interest margin | 3.2860% | 4,278 |
| Noninterest income to average assets | 0.7304% | 2,019 |
| Noninterest expense to average assets | 2.9181% | 2,839 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5952% | 4,310 |
| Return on assets (ROA) | 0.5977% | 4,398 |
| Pretax return on assets | 0.8213% | 4,166 |
| Return on Equity (ROE) | 5.4483% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.4483% | 2,809 |
| Net charge-offs to loans | 0.0307% | 2,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 34.8780% | 1,054 |
| Efficiency ratio | 78.1078% | 2,172 |
| Assets per employee ($millions) | 5.6732% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 4,604 |
| Loan loss allowance to noncurrent loans | 150.3874% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 3,706 |
| Noncurrent loans to loans | 0.7201% | 3,461 |
| Net loans and leases to total assets | 75.6081% | 1,267 |
| Net loans and leases to deposits | 103.5733% | 389 |
| Net loans and leases to core deposits | 111.7866% | 667 |
| Total domestic deposits to total assets | 72.9996% | 5,977 |
| Equity capital to assets | 10.9980% | 2,971 |
| Core capital (leverage) ratio | 10.1473% | 3,410 |
| Tier 1 risk-based capital ratio | 16.5106% | 2,679 |
| Total risk-based capital ratio | 17.7618% | 2,622 |
| Memoranda: | ||
| Average total assets | $699,370,000 | 997 |
| Average earning assets | $639,677,000 | 1,001 |
| Average equity | $76,721,500 | 997 |
| Average total loans | $534,103,500 | 881 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9804% | 3,793 |
| Cost of funding earning assets | 0.7471% | 861 |
| Net interest margin | 3.2334% | 4,821 |
| Noninterest income to average assets | 0.7856% | 1,929 |
| Noninterest expense to average assets | 2.9645% | 2,953 |
| Loan and lease loss provision to assets | 0.0471% | 3,628 |
| Net operating income to assets | 0.5636% | 4,537 |
| Return on assets (ROA) | 0.5797% | 4,545 |
| Pretax return on assets | 0.7514% | 4,433 |
| Return on Equity (ROE) | 5.1984% | 4,560 |
| Retained earnings to average equity (ytd only) | 5.1984% | 2,468 |
| Net charge-offs to loans | 0.0987% | 3,098 |
| Credit loss provision to net charge-offs | 63.1164% | 3,231 |
| Earnings coverage of net charge-offs (x) | 10.4241% | 2,613 |
| Efficiency ratio | 79.2215% | 2,035 |
| Assets per employee ($millions) | 5.5087% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 4,511 |
| Loan loss allowance to noncurrent loans | 182.1684% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 3,973 |
| Noncurrent loans to loans | 0.6068% | 3,854 |
| Net loans and leases to total assets | 75.5857% | 1,332 |
| Net loans and leases to deposits | 103.6933% | 445 |
| Net loans and leases to core deposits | 112.1484% | 690 |
| Total domestic deposits to total assets | 72.8936% | 6,025 |
| Equity capital to assets | 11.2382% | 2,656 |
| Core capital (leverage) ratio | 11.0909% | 2,327 |
| Tier 1 risk-based capital ratio | 17.9012% | 2,173 |
| Total risk-based capital ratio | 19.1529% | 2,136 |
| Memoranda: | ||
| Average total assets | $679,703,000 | 980 |
| Average earning assets | $621,490,000 | 987 |
| Average equity | $75,792,200 | 968 |
| Average total loans | $513,835,400 | 865 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9746% | 3,854 |
| Cost of funding earning assets | 0.7601% | 849 |
| Net interest margin | 3.2144% | 4,915 |
| Noninterest income to average assets | 0.7870% | 1,941 |
| Noninterest expense to average assets | 2.9805% | 2,865 |
| Loan and lease loss provision to assets | 0.0631% | 3,096 |
| Net operating income to assets | 0.5489% | 4,679 |
| Return on assets (ROA) | 0.5579% | 4,718 |
| Pretax return on assets | 0.6924% | 4,722 |
| Return on Equity (ROE) | 5.0132% | 4,714 |
| Retained earnings to average equity (ytd only) | 5.0132% | 3,071 |
| Net charge-offs to loans | 0.1096% | 2,704 |
| Credit loss provision to net charge-offs | 76.3723% | 2,663 |
| Earnings coverage of net charge-offs (x) | 9.0096% | 2,726 |
| Efficiency ratio | 80.0148% | 1,915 |
| Assets per employee ($millions) | 5.5314% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 4,509 |
| Loan loss allowance to noncurrent loans | 143.1113% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.6699% | 3,829 |
| Noncurrent loans to loans | 0.8027% | 3,573 |
| Net loans and leases to total assets | 74.6718% | 1,417 |
| Net loans and leases to deposits | 100.4477% | 591 |
| Net loans and leases to core deposits | 108.6974% | 813 |
| Total domestic deposits to total assets | 74.3389% | 5,987 |
| Equity capital to assets | 11.2075% | 2,751 |
| Core capital (leverage) ratio | 11.0420% | 2,448 |
| Tier 1 risk-based capital ratio | 17.9099% | 2,238 |
| Total risk-based capital ratio | 19.1619% | 2,201 |
| Memoranda: | ||
| Average total assets | $676,105,250 | 999 |
| Average earning assets | $617,949,250 | 1,001 |
| Average equity | $75,239,250 | 975 |
| Average total loans | $509,669,250 | 877 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9619% | 3,889 |
| Cost of funding earning assets | 0.7698% | 834 |
| Net interest margin | 3.1921% | 4,972 |
| Noninterest income to average assets | 0.7907% | 1,877 |
| Noninterest expense to average assets | 3.0224% | 2,754 |
| Loan and lease loss provision to assets | 0.0713% | 2,845 |
| Net operating income to assets | 0.5031% | 4,797 |
| Return on assets (ROA) | 0.5095% | 4,866 |
| Pretax return on assets | 0.6221% | 4,886 |
| Return on Equity (ROE) | 4.5893% | 4,869 |
| Retained earnings to average equity (ytd only) | 4.5893% | 3,242 |
| Net charge-offs to loans | 0.1602% | 2,109 |
| Credit loss provision to net charge-offs | 59.1133% | 2,658 |
| Earnings coverage of net charge-offs (x) | 5.6823% | 2,888 |
| Efficiency ratio | 81.5070% | 1,805 |
| Assets per employee ($millions) | 5.1994% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 4,666 |
| Loan loss allowance to noncurrent loans | 164.2478% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5749% | 4,265 |
| Noncurrent loans to loans | 0.6996% | 3,957 |
| Net loans and leases to total assets | 74.3260% | 1,396 |
| Net loans and leases to deposits | 100.2723% | 547 |
| Net loans and leases to core deposits | 108.6175% | 741 |
| Total domestic deposits to total assets | 74.1242% | 6,100 |
| Equity capital to assets | 11.1497% | 2,734 |
| Core capital (leverage) ratio | 10.9923% | 2,438 |
| Tier 1 risk-based capital ratio | 17.7398% | 2,333 |
| Total risk-based capital ratio | 18.9920% | 2,302 |
| Memoranda: | ||
| Average total assets | $672,842,000 | 1,002 |
| Average earning assets | $614,960,000 | 1,007 |
| Average equity | $74,695,000 | 977 |
| Average total loans | $506,851,670 | 877 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9616% | 3,847 |
| Cost of funding earning assets | 0.7828% | 818 |
| Net interest margin | 3.1788% | 4,992 |
| Noninterest income to average assets | 0.7435% | 1,971 |
| Noninterest expense to average assets | 3.0160% | 2,815 |
| Loan and lease loss provision to assets | 0.0718% | 2,705 |
| Net operating income to assets | 0.4624% | 4,888 |
| Return on assets (ROA) | 0.4624% | 4,957 |
| Pretax return on assets | 0.5611% | 4,983 |
| Return on Equity (ROE) | 4.1744% | 4,947 |
| Retained earnings to average equity (ytd only) | 4.1744% | 3,627 |
| Net charge-offs to loans | 0.0254% | 3,063 |
| Credit loss provision to net charge-offs | 375.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 33.0625% | 992 |
| Efficiency ratio | 82.6557% | 1,846 |
| Assets per employee ($millions) | 5.2764% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 4,567 |
| Loan loss allowance to noncurrent loans | 157.6123% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 4,199 |
| Noncurrent loans to loans | 0.7716% | 3,931 |
| Net loans and leases to total assets | 74.4198% | 1,203 |
| Net loans and leases to deposits | 101.8007% | 371 |
| Net loans and leases to core deposits | 109.5471% | 601 |
| Total domestic deposits to total assets | 73.1034% | 6,299 |
| Equity capital to assets | 11.1324% | 2,592 |
| Core capital (leverage) ratio | 10.7113% | 2,690 |
| Tier 1 risk-based capital ratio | 17.3869% | 2,520 |
| Total risk-based capital ratio | 18.6400% | 2,489 |
| Memoranda: | ||
| Average total assets | $668,702,000 | 1,018 |
| Average earning assets | $611,173,000 | 1,022 |
| Average equity | $74,071,000 | 987 |
| Average total loans | $504,209,500 | 877 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 4,042 |
| Cost of funding earning assets | 0.9262% | 650 |
| Net interest margin | 3.0872% | 5,350 |
| Noninterest income to average assets | 0.8536% | 1,857 |
| Noninterest expense to average assets | 3.0408% | 2,930 |
| Loan and lease loss provision to assets | 0.0995% | 3,145 |
| Net operating income to assets | 0.4340% | 5,018 |
| Return on assets (ROA) | 0.4766% | 4,981 |
| Pretax return on assets | 0.5761% | 4,949 |
| Return on Equity (ROE) | 4.3327% | 4,963 |
| Retained earnings to average equity (ytd only) | 4.3327% | 3,094 |
| Net charge-offs to loans | 0.0584% | 4,407 |
| Credit loss provision to net charge-offs | 228.8732% | 998 |
| Earnings coverage of net charge-offs (x) | 14.3592% | 1,951 |
| Efficiency ratio | 82.9686% | 1,753 |
| Assets per employee ($millions) | 5.1331% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 4,649 |
| Loan loss allowance to noncurrent loans | 169.6384% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5996% | 4,439 |
| Noncurrent loans to loans | 0.7083% | 4,199 |
| Net loans and leases to total assets | 74.5600% | 1,273 |
| Net loans and leases to deposits | 101.7643% | 410 |
| Net loans and leases to core deposits | 109.6229% | 620 |
| Total domestic deposits to total assets | 73.2674% | 6,333 |
| Equity capital to assets | 11.0211% | 2,591 |
| Core capital (leverage) ratio | 10.5251% | 2,891 |
| Tier 1 risk-based capital ratio | 17.0015% | 2,606 |
| Total risk-based capital ratio | 18.2542% | 2,574 |
| Memoranda: | ||
| Average total assets | $653,320,600 | 1,022 |
| Average earning assets | $594,935,600 | 1,030 |
| Average equity | $71,871,600 | 990 |
| Average total loans | $485,952,400 | 874 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0237% | 4,037 |
| Cost of funding earning assets | 0.9495% | 647 |
| Net interest margin | 3.0742% | 5,389 |
| Noninterest income to average assets | 0.8365% | 1,988 |
| Noninterest expense to average assets | 3.0531% | 2,812 |
| Loan and lease loss provision to assets | 0.1180% | 2,821 |
| Net operating income to assets | 0.3924% | 5,271 |
| Return on assets (ROA) | 0.4510% | 5,159 |
| Pretax return on assets | 0.5306% | 5,268 |
| Return on Equity (ROE) | 4.1014% | 5,170 |
| Retained earnings to average equity (ytd only) | 4.1014% | 3,768 |
| Net charge-offs to loans | 0.0521% | 4,161 |
| Credit loss provision to net charge-offs | 305.8511% | 829 |
| Earnings coverage of net charge-offs (x) | 15.0266% | 1,896 |
| Efficiency ratio | 84.0441% | 1,592 |
| Assets per employee ($millions) | 5.1691% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 4,797 |
| Loan loss allowance to noncurrent loans | 155.6125% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.6854% | 4,402 |
| Noncurrent loans to loans | 0.7816% | 4,285 |
| Net loans and leases to total assets | 74.5349% | 1,208 |
| Net loans and leases to deposits | 102.3919% | 359 |
| Net loans and leases to core deposits | 111.0845% | 539 |
| Total domestic deposits to total assets | 72.7937% | 6,448 |
| Equity capital to assets | 10.8072% | 2,946 |
| Core capital (leverage) ratio | 10.6291% | 2,860 |
| Tier 1 risk-based capital ratio | 17.1918% | 2,628 |
| Total risk-based capital ratio | 18.4450% | 2,595 |
| Memoranda: | ||
| Average total assets | $649,824,750 | 1,034 |
| Average earning assets | $591,053,500 | 1,043 |
| Average equity | $71,453,500 | 1,005 |
| Average total loans | $481,542,250 | 884 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0445% | 3,944 |
| Cost of funding earning assets | 0.9606% | 670 |
| Net interest margin | 3.0839% | 5,322 |
| Noninterest income to average assets | 0.8320% | 2,059 |
| Noninterest expense to average assets | 3.1179% | 2,612 |
| Loan and lease loss provision to assets | 0.1393% | 2,585 |
| Net operating income to assets | 0.3320% | 5,481 |
| Return on assets (ROA) | 0.4053% | 5,363 |
| Pretax return on assets | 0.4614% | 5,492 |
| Return on Equity (ROE) | 3.6648% | 5,349 |
| Retained earnings to average equity (ytd only) | 3.6648% | 3,978 |
| Net charge-offs to loans | 0.0698% | 3,711 |
| Credit loss provision to net charge-offs | 271.0843% | 935 |
| Earnings coverage of net charge-offs (x) | 10.0663% | 2,199 |
| Efficiency ratio | 85.7666% | 1,437 |
| Assets per employee ($millions) | 4.8163% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 4,770 |
| Loan loss allowance to noncurrent loans | 127.3523% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.8634% | 4,084 |
| Noncurrent loans to loans | 0.9759% | 3,984 |
| Net loans and leases to total assets | 73.4907% | 1,325 |
| Net loans and leases to deposits | 101.2034% | 367 |
| Net loans and leases to core deposits | 110.2470% | 557 |
| Total domestic deposits to total assets | 72.6168% | 6,528 |
| Equity capital to assets | 10.9809% | 2,775 |
| Core capital (leverage) ratio | 10.6508% | 2,714 |
| Tier 1 risk-based capital ratio | 17.4364% | 2,538 |
| Total risk-based capital ratio | 18.6899% | 2,508 |
| Memoranda: | ||
| Average total assets | $645,885,670 | 1,042 |
| Average earning assets | $587,114,000 | 1,052 |
| Average equity | $71,436,330 | 1,009 |
| Average total loans | $475,647,670 | 889 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0107% | 4,076 |
| Cost of funding earning assets | 0.9695% | 709 |
| Net interest margin | 3.0412% | 5,460 |
| Noninterest income to average assets | 0.8648% | 1,883 |
| Noninterest expense to average assets | 3.1083% | 2,648 |
| Loan and lease loss provision to assets | 0.1393% | 2,502 |
| Net operating income to assets | 0.3529% | 5,336 |
| Return on assets (ROA) | 0.3529% | 5,478 |
| Pretax return on assets | 0.3844% | 5,614 |
| Return on Equity (ROE) | 3.1790% | 5,504 |
| Retained earnings to average equity (ytd only) | 3.1790% | 4,354 |
| Net charge-offs to loans | 0.1352% | 2,598 |
| Credit loss provision to net charge-offs | 140.6250% | 1,430 |
| Earnings coverage of net charge-offs (x) | 5.2875% | 2,380 |
| Efficiency ratio | 85.5804% | 1,569 |
| Assets per employee ($millions) | 4.9013% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 5,125 |
| Loan loss allowance to noncurrent loans | 101.3931% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 1.1138% | 3,710 |
| Noncurrent loans to loans | 1.1950% | 3,775 |
| Net loans and leases to total assets | 72.4617% | 1,288 |
| Net loans and leases to deposits | 100.2566% | 340 |
| Net loans and leases to core deposits | 109.1822% | 519 |
| Total domestic deposits to total assets | 72.2763% | 6,645 |
| Equity capital to assets | 11.1092% | 2,837 |
| Core capital (leverage) ratio | 10.5133% | 2,759 |
| Tier 1 risk-based capital ratio | 17.3318% | 2,634 |
| Total risk-based capital ratio | 18.5847% | 2,597 |
| Memoranda: | ||
| Average total assets | $646,137,500 | 1,052 |
| Average earning assets | $587,928,000 | 1,055 |
| Average equity | $71,720,000 | 1,015 |
| Average total loans | $473,339,000 | 896 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1579% | 4,742 |
| Cost of funding earning assets | 1.1407% | 766 |
| Net interest margin | 3.0172% | 6,014 |
| Noninterest income to average assets | 0.9292% | 1,775 |
| Noninterest expense to average assets | 3.0722% | 3,007 |
| Loan and lease loss provision to assets | 0.1861% | 3,312 |
| Net operating income to assets | 0.3740% | 5,207 |
| Return on assets (ROA) | 0.4289% | 5,217 |
| Pretax return on assets | 0.4951% | 5,294 |
| Return on Equity (ROE) | 3.9625% | 5,162 |
| Retained earnings to average equity (ytd only) | 3.9625% | 3,414 |
| Net charge-offs to loans | 0.1217% | 4,468 |
| Credit loss provision to net charge-offs | 218.1818% | 1,157 |
| Earnings coverage of net charge-offs (x) | 7.2473% | 2,647 |
| Efficiency ratio | 83.2507% | 1,715 |
| Assets per employee ($millions) | 4.7448% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 5,089 |
| Loan loss allowance to noncurrent loans | 92.1842% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.0956% | 3,820 |
| Noncurrent loans to loans | 1.3062% | 3,651 |
| Net loans and leases to total assets | 72.2817% | 1,447 |
| Net loans and leases to deposits | 99.5792% | 430 |
| Net loans and leases to core deposits | 108.5723% | 586 |
| Total domestic deposits to total assets | 72.5871% | 6,655 |
| Equity capital to assets | 11.0904% | 2,845 |
| Core capital (leverage) ratio | 10.3530% | 2,941 |
| Tier 1 risk-based capital ratio | 17.2714% | 2,536 |
| Total risk-based capital ratio | 18.5244% | 2,509 |
| Memoranda: | ||
| Average total assets | $644,886,000 | 1,022 |
| Average earning assets | $590,149,000 | 1,025 |
| Average equity | $69,804,000 | 1,008 |
| Average total loans | $452,092,000 | 915 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 4,852 |
| Cost of funding earning assets | 1.1750% | 778 |
| Net interest margin | 3.0145% | 6,139 |
| Noninterest income to average assets | 0.8703% | 1,939 |
| Noninterest expense to average assets | 3.0244% | 3,157 |
| Loan and lease loss provision to assets | 0.1603% | 3,511 |
| Net operating income to assets | 0.3831% | 5,319 |
| Return on assets (ROA) | 0.4506% | 5,281 |
| Pretax return on assets | 0.5275% | 5,385 |
| Return on Equity (ROE) | 4.1885% | 5,204 |
| Retained earnings to average equity (ytd only) | 4.1885% | 3,944 |
| Net charge-offs to loans | 0.0474% | 4,992 |
| Credit loss provision to net charge-offs | 487.4214% | 551 |
| Earnings coverage of net charge-offs (x) | 18.5036% | 1,553 |
| Efficiency ratio | 83.2536% | 1,674 |
| Assets per employee ($millions) | 4.8267% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 5,293 |
| Loan loss allowance to noncurrent loans | 89.3580% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.0783% | 4,139 |
| Noncurrent loans to loans | 1.3402% | 3,789 |
| Net loans and leases to total assets | 72.0836% | 1,540 |
| Net loans and leases to deposits | 99.4503% | 471 |
| Net loans and leases to core deposits | 108.6641% | 621 |
| Total domestic deposits to total assets | 72.4821% | 6,717 |
| Equity capital to assets | 10.9127% | 3,366 |
| Core capital (leverage) ratio | 10.3890% | 3,051 |
| Tier 1 risk-based capital ratio | 17.4540% | 2,557 |
| Total risk-based capital ratio | 18.7069% | 2,521 |
| Memoranda: | ||
| Average total assets | $644,782,750 | 1,028 |
| Average earning assets | $590,857,000 | 1,025 |
| Average equity | $69,363,500 | 1,017 |
| Average total loans | $447,085,500 | 930 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 4,856 |
| Cost of funding earning assets | 1.2022% | 810 |
| Net interest margin | 3.0263% | 6,187 |
| Noninterest income to average assets | 0.8567% | 1,946 |
| Noninterest expense to average assets | 3.0510% | 3,077 |
| Loan and lease loss provision to assets | 0.1708% | 3,398 |
| Net operating income to assets | 0.3481% | 5,436 |
| Return on assets (ROA) | 0.4536% | 5,259 |
| Pretax return on assets | 0.5338% | 5,359 |
| Return on Equity (ROE) | 4.2374% | 5,160 |
| Retained earnings to average equity (ytd only) | 4.2374% | 3,791 |
| Net charge-offs to loans | 0.0611% | 4,568 |
| Credit loss provision to net charge-offs | 410.4478% | 718 |
| Earnings coverage of net charge-offs (x) | 13.9478% | 1,748 |
| Efficiency ratio | 84.0188% | 1,630 |
| Assets per employee ($millions) | 4.8085% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 5,398 |
| Loan loss allowance to noncurrent loans | 96.2564% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 1.0259% | 4,331 |
| Noncurrent loans to loans | 1.2365% | 4,078 |
| Net loans and leases to total assets | 70.2346% | 1,880 |
| Net loans and leases to deposits | 98.2732% | 512 |
| Net loans and leases to core deposits | 107.5574% | 680 |
| Total domestic deposits to total assets | 71.4688% | 6,832 |
| Equity capital to assets | 10.8067% | 3,331 |
| Core capital (leverage) ratio | 10.1221% | 3,244 |
| Tier 1 risk-based capital ratio | 17.0998% | 2,626 |
| Total risk-based capital ratio | 18.3744% | 2,577 |
| Memoranda: | ||
| Average total assets | $644,117,670 | 1,028 |
| Average earning assets | $590,561,000 | 1,023 |
| Average equity | $68,957,670 | 1,020 |
| Average total loans | $438,823,330 | 951 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2197% | 5,040 |
| Cost of funding earning assets | 1.2242% | 875 |
| Net interest margin | 2.9955% | 6,299 |
| Noninterest income to average assets | 0.8310% | 2,027 |
| Noninterest expense to average assets | 2.9869% | 3,301 |
| Loan and lease loss provision to assets | 0.1398% | 3,607 |
| Net operating income to assets | 0.3873% | 5,312 |
| Return on assets (ROA) | 0.4311% | 5,308 |
| Pretax return on assets | 0.5031% | 5,418 |
| Return on Equity (ROE) | 4.0454% | 5,276 |
| Retained earnings to average equity (ytd only) | 4.0454% | 4,163 |
| Net charge-offs to loans | 0.0801% | 3,694 |
| Credit loss provision to net charge-offs | 261.6279% | 1,107 |
| Earnings coverage of net charge-offs (x) | 11.0814% | 1,700 |
| Efficiency ratio | 83.4606% | 1,742 |
| Assets per employee ($millions) | 5.0193% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 5,549 |
| Loan loss allowance to noncurrent loans | 102.5163% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.9212% | 4,679 |
| Noncurrent loans to loans | 1.1591% | 4,388 |
| Net loans and leases to total assets | 66.4511% | 2,381 |
| Net loans and leases to deposits | 92.2265% | 779 |
| Net loans and leases to core deposits | 101.1203% | 919 |
| Total domestic deposits to total assets | 72.0521% | 6,875 |
| Equity capital to assets | 10.6423% | 3,332 |
| Core capital (leverage) ratio | 10.0916% | 3,253 |
| Tier 1 risk-based capital ratio | 17.3169% | 2,543 |
| Total risk-based capital ratio | 18.5830% | 2,509 |
| Memoranda: | ||
| Average total assets | $644,005,000 | 1,025 |
| Average earning assets | $590,749,000 | 1,023 |
| Average equity | $68,620,500 | 1,020 |
| Average total loans | $429,233,500 | 974 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5275% | 4,966 |
| Cost of funding earning assets | 1.3796% | 1,124 |
| Net interest margin | 3.1479% | 6,223 |
| Noninterest income to average assets | 0.8223% | 1,956 |
| Noninterest expense to average assets | 2.9349% | 3,824 |
| Loan and lease loss provision to assets | 0.1434% | 4,822 |
| Net operating income to assets | 0.5076% | 4,385 |
| Return on assets (ROA) | 0.5816% | 4,272 |
| Pretax return on assets | 0.7270% | 4,231 |
| Return on Equity (ROE) | 5.4902% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.4902% | 2,307 |
| Net charge-offs to loans | 0.0440% | 5,864 |
| Credit loss provision to net charge-offs | 491.8033% | 464 |
| Earnings coverage of net charge-offs (x) | 26.6721% | 933 |
| Efficiency ratio | 79.0470% | 2,440 |
| Assets per employee ($millions) | 4.9653% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 5,441 |
| Loan loss allowance to noncurrent loans | 152.9930% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.6571% | 5,342 |
| Noncurrent loans to loans | 0.7780% | 5,125 |
| Net loans and leases to total assets | 65.2585% | 2,931 |
| Net loans and leases to deposits | 91.2290% | 1,032 |
| Net loans and leases to core deposits | 99.9742% | 1,181 |
| Total domestic deposits to total assets | 71.5326% | 6,898 |
| Equity capital to assets | 10.6684% | 3,347 |
| Core capital (leverage) ratio | 10.1792% | 3,119 |
| Tier 1 risk-based capital ratio | 17.7337% | 2,291 |
| Total risk-based capital ratio | 19.0029% | 2,254 |
| Memoranda: | ||
| Average total assets | $627,407,800 | 1,037 |
| Average earning assets | $576,128,800 | 1,027 |
| Average equity | $66,464,400 | 1,014 |
| Average total loans | $415,466,800 | 1,011 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 5,131 |
| Cost of funding earning assets | 1.4135% | 1,171 |
| Net interest margin | 3.1254% | 6,348 |
| Noninterest income to average assets | 0.8105% | 2,004 |
| Noninterest expense to average assets | 2.9267% | 3,811 |
| Loan and lease loss provision to assets | 0.0961% | 5,257 |
| Net operating income to assets | 0.5269% | 4,419 |
| Return on assets (ROA) | 0.5608% | 4,439 |
| Pretax return on assets | 0.7005% | 4,476 |
| Return on Equity (ROE) | 5.3031% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.3031% | 2,996 |
| Net charge-offs to loans | 0.0123% | 5,978 |
| Credit loss provision to net charge-offs | 1,184.2105% | 231 |
| Earnings coverage of net charge-offs (x) | 92.9126% | 385 |
| Efficiency ratio | 79.5079% | 2,333 |
| Assets per employee ($millions) | 4.8685% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 5,774 |
| Loan loss allowance to noncurrent loans | 214.8047% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3622% | 6,173 |
| Noncurrent loans to loans | 0.5253% | 5,805 |
| Net loans and leases to total assets | 65.9952% | 2,900 |
| Net loans and leases to deposits | 93.6381% | 868 |
| Net loans and leases to core deposits | 102.6650% | 1,060 |
| Total domestic deposits to total assets | 70.4790% | 7,016 |
| Equity capital to assets | 10.8866% | 3,254 |
| Core capital (leverage) ratio | 10.0401% | 3,380 |
| Tier 1 risk-based capital ratio | 17.5588% | 2,419 |
| Total risk-based capital ratio | 18.8097% | 2,395 |
| Memoranda: | ||
| Average total assets | $624,130,000 | 1,052 |
| Average earning assets | $573,217,500 | 1,039 |
| Average equity | $65,997,250 | 1,028 |
| Average total loans | $413,576,500 | 1,025 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 5,228 |
| Cost of funding earning assets | 1.4412% | 1,223 |
| Net interest margin | 3.0970% | 6,417 |
| Noninterest income to average assets | 0.7707% | 2,157 |
| Noninterest expense to average assets | 2.9186% | 3,948 |
| Loan and lease loss provision to assets | 0.0963% | 5,122 |
| Net operating income to assets | 0.4887% | 4,550 |
| Return on assets (ROA) | 0.5266% | 4,533 |
| Pretax return on assets | 0.6471% | 4,583 |
| Return on Equity (ROE) | 5.0302% | 4,436 |
| Retained earnings to average equity (ytd only) | 5.0302% | 2,992 |
| Net charge-offs to loans | -0.0505% | 7,030 |
| Credit loss provision to net charge-offs | -288.4615% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7337% | 2,272 |
| Assets per employee ($millions) | 4.8068% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 5,800 |
| Loan loss allowance to noncurrent loans | 191.7953% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4057% | 6,134 |
| Noncurrent loans to loans | 0.5935% | 5,737 |
| Net loans and leases to total assets | 65.6300% | 3,111 |
| Net loans and leases to deposits | 93.5058% | 906 |
| Net loans and leases to core deposits | 102.5772% | 1,145 |
| Total domestic deposits to total assets | 70.1881% | 7,097 |
| Equity capital to assets | 10.6638% | 3,320 |
| Core capital (leverage) ratio | 10.1199% | 3,117 |
| Tier 1 risk-based capital ratio | 17.2868% | 2,417 |
| Total risk-based capital ratio | 18.5376% | 2,390 |
| Memoranda: | ||
| Average total assets | $622,826,670 | 1,063 |
| Average earning assets | $572,036,670 | 1,050 |
| Average equity | $65,205,670 | 1,036 |
| Average total loans | $411,700,000 | 1,042 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5544% | 5,154 |
| Cost of funding earning assets | 1.4565% | 1,351 |
| Net interest margin | 3.0979% | 6,357 |
| Noninterest income to average assets | 0.7642% | 2,195 |
| Noninterest expense to average assets | 2.9579% | 3,829 |
| Loan and lease loss provision to assets | 0.0965% | 4,807 |
| Net operating income to assets | 0.4525% | 4,704 |
| Return on assets (ROA) | 0.5275% | 4,451 |
| Pretax return on assets | 0.6484% | 4,494 |
| Return on Equity (ROE) | 5.0860% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.0860% | 3,129 |
| Net charge-offs to loans | -0.1190% | 7,132 |
| Credit loss provision to net charge-offs | -122.9508% | 5,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9316% | 2,240 |
| Assets per employee ($millions) | 4.8737% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 5,978 |
| Loan loss allowance to noncurrent loans | 128.6796% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 5,778 |
| Noncurrent loans to loans | 0.8684% | 5,301 |
| Net loans and leases to total assets | 65.6198% | 3,106 |
| Net loans and leases to deposits | 92.0399% | 1,018 |
| Net loans and leases to core deposits | 100.4131% | 1,304 |
| Total domestic deposits to total assets | 71.2949% | 7,120 |
| Equity capital to assets | 10.4635% | 3,220 |
| Core capital (leverage) ratio | 9.9257% | 3,235 |
| Tier 1 risk-based capital ratio | 17.3689% | 2,348 |
| Total risk-based capital ratio | 18.6194% | 2,320 |
| Memoranda: | ||
| Average total assets | $621,799,000 | 1,070 |
| Average earning assets | $571,234,000 | 1,066 |
| Average equity | $64,490,500 | 1,042 |
| Average total loans | $410,134,000 | 1,059 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 5,778 |
| Cost of funding earning assets | 1.6924% | 1,640 |
| Net interest margin | 3.0148% | 6,707 |
| Noninterest income to average assets | 0.8648% | 1,996 |
| Noninterest expense to average assets | 2.9110% | 4,180 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5662% | 3,821 |
| Return on assets (ROA) | 0.6737% | 3,469 |
| Pretax return on assets | 0.8714% | 3,403 |
| Return on Equity (ROE) | 6.7140% | 3,254 |
| Retained earnings to average equity (ytd only) | 6.7140% | 1,447 |
| Net charge-offs to loans | 0.1404% | 5,516 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 8.1574% | 2,006 |
| Efficiency ratio | 79.9110% | 2,430 |
| Assets per employee ($millions) | 4.8421% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 6,127 |
| Loan loss allowance to noncurrent loans | 169.5994% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 6,209 |
| Noncurrent loans to loans | 0.6217% | 5,811 |
| Net loans and leases to total assets | 64.8695% | 3,694 |
| Net loans and leases to deposits | 91.5513% | 1,315 |
| Net loans and leases to core deposits | 99.8913% | 1,627 |
| Total domestic deposits to total assets | 70.8559% | 7,182 |
| Equity capital to assets | 10.2806% | 3,402 |
| Core capital (leverage) ratio | 9.6817% | 3,451 |
| Tier 1 risk-based capital ratio | 16.8847% | 2,392 |
| Total risk-based capital ratio | 18.1115% | 2,368 |
| Memoranda: | ||
| Average total assets | $623,128,800 | 1,071 |
| Average earning assets | $574,165,000 | 1,047 |
| Average equity | $62,526,400 | 1,070 |
| Average total loans | $398,225,000 | 1,133 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6901% | 6,061 |
| Cost of funding earning assets | 1.7407% | 1,670 |
| Net interest margin | 2.9494% | 6,929 |
| Noninterest income to average assets | 0.8204% | 2,126 |
| Noninterest expense to average assets | 2.8925% | 4,124 |
| Loan and lease loss provision to assets | 0.1606% | 5,430 |
| Net operating income to assets | 0.4140% | 4,689 |
| Return on assets (ROA) | 0.5352% | 4,331 |
| Pretax return on assets | 0.6297% | 4,484 |
| Return on Equity (ROE) | 5.3672% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.3672% | 2,726 |
| Net charge-offs to loans | 0.1646% | 5,004 |
| Credit loss provision to net charge-offs | 153.6885% | 2,506 |
| Earnings coverage of net charge-offs (x) | 6.1988% | 2,574 |
| Efficiency ratio | 81.7055% | 2,095 |
| Assets per employee ($millions) | 4.9378% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 5,210 |
| Loan loss allowance to noncurrent loans | 95.8590% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.9067% | 5,292 |
| Noncurrent loans to loans | 1.3075% | 4,679 |
| Net loans and leases to total assets | 64.5637% | 4,004 |
| Net loans and leases to deposits | 90.5068% | 1,650 |
| Net loans and leases to core deposits | 98.5265% | 1,994 |
| Total domestic deposits to total assets | 71.3358% | 7,194 |
| Equity capital to assets | 10.3075% | 3,757 |
| Core capital (leverage) ratio | 9.2954% | 4,221 |
| Tier 1 risk-based capital ratio | 16.3693% | 2,607 |
| Total risk-based capital ratio | 17.6301% | 2,552 |
| Memoranda: | ||
| Average total assets | $622,752,500 | 1,078 |
| Average earning assets | $574,244,750 | 1,061 |
| Average equity | $62,104,000 | 1,082 |
| Average total loans | $395,402,500 | 1,151 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6667% | 6,254 |
| Cost of funding earning assets | 1.8151% | 1,590 |
| Net interest margin | 2.8516% | 7,078 |
| Noninterest income to average assets | 0.7906% | 2,169 |
| Noninterest expense to average assets | 2.9351% | 3,939 |
| Loan and lease loss provision to assets | 0.1931% | 4,948 |
| Net operating income to assets | 0.2651% | 5,315 |
| Return on assets (ROA) | 0.4362% | 4,752 |
| Pretax return on assets | 0.4806% | 4,963 |
| Return on Equity (ROE) | 4.4238% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.4238% | 3,260 |
| Net charge-offs to loans | 0.0067% | 6,272 |
| Credit loss provision to net charge-offs | 4,615.3846% | 82 |
| Earnings coverage of net charge-offs (x) | 116.0769% | 290 |
| Efficiency ratio | 85.8003% | 1,734 |
| Assets per employee ($millions) | 4.7492% | 2,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 4,605 |
| Loan loss allowance to noncurrent loans | 92.0951% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 1.0247% | 5,087 |
| Noncurrent loans to loans | 1.4810% | 4,480 |
| Net loans and leases to total assets | 63.0300% | 4,460 |
| Net loans and leases to deposits | 87.8583% | 2,196 |
| Net loans and leases to core deposits | 95.8186% | 2,462 |
| Total domestic deposits to total assets | 71.7405% | 7,199 |
| Equity capital to assets | 10.0549% | 3,944 |
| Core capital (leverage) ratio | 8.9313% | 4,707 |
| Tier 1 risk-based capital ratio | 15.9445% | 2,699 |
| Total risk-based capital ratio | 17.1985% | 2,658 |
| Memoranda: | ||
| Average total assets | $621,305,000 | 1,084 |
| Average earning assets | $573,087,670 | 1,070 |
| Average equity | $61,259,330 | 1,089 |
| Average total loans | $390,531,670 | 1,176 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7065% | 6,219 |
| Cost of funding earning assets | 1.8911% | 1,488 |
| Net interest margin | 2.8153% | 7,160 |
| Noninterest income to average assets | 0.7250% | 2,431 |
| Noninterest expense to average assets | 2.9620% | 3,812 |
| Loan and lease loss provision to assets | 0.1940% | 4,559 |
| Net operating income to assets | 0.1481% | 5,866 |
| Return on assets (ROA) | 0.3240% | 5,324 |
| Pretax return on assets | 0.3673% | 5,389 |
| Return on Equity (ROE) | 3.3194% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.3194% | 4,160 |
| Net charge-offs to loans | 0.0114% | 5,427 |
| Credit loss provision to net charge-offs | 2,727.2727% | 188 |
| Earnings coverage of net charge-offs (x) | 50.8182% | 568 |
| Efficiency ratio | 89.1224% | 1,494 |
| Assets per employee ($millions) | 5.0471% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 4,724 |
| Loan loss allowance to noncurrent loans | 82.1565% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1055% | 4,943 |
| Noncurrent loans to loans | 1.6334% | 4,300 |
| Net loans and leases to total assets | 61.1791% | 4,912 |
| Net loans and leases to deposits | 84.7160% | 2,815 |
| Net loans and leases to core deposits | 92.1778% | 3,084 |
| Total domestic deposits to total assets | 72.2166% | 7,242 |
| Equity capital to assets | 9.6846% | 4,249 |
| Core capital (leverage) ratio | 8.8645% | 4,775 |
| Tier 1 risk-based capital ratio | 16.0462% | 2,640 |
| Total risk-based capital ratio | 17.2997% | 2,590 |
| Memoranda: | ||
| Average total assets | $618,508,500 | 1,110 |
| Average earning assets | $570,875,000 | 1,100 |
| Average equity | $60,372,000 | 1,104 |
| Average total loans | $385,498,500 | 1,229 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0489% | 6,270 |
| Cost of funding earning assets | 2.1831% | 2,105 |
| Net interest margin | 2.8658% | 6,928 |
| Noninterest income to average assets | 0.8914% | 1,975 |
| Noninterest expense to average assets | 2.6665% | 5,529 |
| Loan and lease loss provision to assets | 0.3680% | 4,584 |
| Net operating income to assets | 0.4424% | 3,963 |
| Return on assets (ROA) | 0.4632% | 3,997 |
| Pretax return on assets | 0.5421% | 4,070 |
| Return on Equity (ROE) | 4.8340% | 3,747 |
| Retained earnings to average equity (ytd only) | 4.8340% | 1,910 |
| Net charge-offs to loans | 0.0667% | 6,442 |
| Credit loss provision to net charge-offs | 855.5133% | 341 |
| Earnings coverage of net charge-offs (x) | 20.5856% | 1,035 |
| Efficiency ratio | 75.0691% | 3,697 |
| Assets per employee ($millions) | 5.2223% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 4,972 |
| Loan loss allowance to noncurrent loans | 77.4373% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.0788% | 4,936 |
| Noncurrent loans to loans | 1.6314% | 4,197 |
| Net loans and leases to total assets | 61.8539% | 5,018 |
| Net loans and leases to deposits | 87.0197% | 2,734 |
| Net loans and leases to core deposits | 106.0262% | 3,328 |
| Total domestic deposits to total assets | 71.0803% | 7,334 |
| Equity capital to assets | 9.8378% | 3,958 |
| Core capital (leverage) ratio | 9.1103% | 4,252 |
| Tier 1 risk-based capital ratio | 16.2767% | 2,401 |
| Total risk-based capital ratio | 17.5289% | 2,347 |
| Memoranda: | ||
| Average total assets | $611,370,200 | 1,134 |
| Average earning assets | $567,594,000 | 1,112 |
| Average equity | $58,585,200 | 1,131 |
| Average total loans | $394,072,800 | 1,219 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1131% | 6,220 |
| Cost of funding earning assets | 2.2512% | 2,180 |
| Net interest margin | 2.8619% | 6,933 |
| Noninterest income to average assets | 0.8951% | 2,001 |
| Noninterest expense to average assets | 2.6786% | 5,417 |
| Loan and lease loss provision to assets | 0.3496% | 4,223 |
| Net operating income to assets | 0.4484% | 4,203 |
| Return on assets (ROA) | 0.4694% | 4,221 |
| Pretax return on assets | 0.5520% | 4,355 |
| Return on Equity (ROE) | 4.9314% | 3,996 |
| Retained earnings to average equity (ytd only) | 4.9314% | 2,532 |
| Net charge-offs to loans | 0.0798% | 5,878 |
| Credit loss provision to net charge-offs | 675.1055% | 554 |
| Earnings coverage of net charge-offs (x) | 16.9326% | 1,436 |
| Efficiency ratio | 75.3365% | 3,631 |
| Assets per employee ($millions) | 5.1651% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 5,718 |
| Loan loss allowance to noncurrent loans | 149.7535% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4795% | 6,266 |
| Noncurrent loans to loans | 0.7350% | 5,842 |
| Net loans and leases to total assets | 61.6528% | 5,299 |
| Net loans and leases to deposits | 87.2905% | 3,091 |
| Net loans and leases to core deposits | 106.0806% | 3,692 |
| Total domestic deposits to total assets | 70.6294% | 7,362 |
| Equity capital to assets | 9.8617% | 4,252 |
| Core capital (leverage) ratio | 9.2822% | 4,215 |
| Tier 1 risk-based capital ratio | 16.2867% | 2,520 |
| Total risk-based capital ratio | 17.5150% | 2,468 |
| Memoranda: | ||
| Average total assets | $610,155,750 | 1,153 |
| Average earning assets | $567,212,750 | 1,127 |
| Average equity | $58,075,750 | 1,154 |
| Average total loans | $396,081,500 | 1,229 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1966% | 6,086 |
| Cost of funding earning assets | 2.3466% | 2,174 |
| Net interest margin | 2.8500% | 6,913 |
| Noninterest income to average assets | 0.8775% | 2,068 |
| Noninterest expense to average assets | 2.7512% | 5,174 |
| Loan and lease loss provision to assets | 0.3295% | 3,959 |
| Net operating income to assets | 0.3909% | 4,550 |
| Return on assets (ROA) | 0.4182% | 4,542 |
| Pretax return on assets | 0.4768% | 4,693 |
| Return on Equity (ROE) | 4.4480% | 4,319 |
| Retained earnings to average equity (ytd only) | 4.4480% | 2,818 |
| Net charge-offs to loans | 0.1057% | 5,107 |
| Credit loss provision to net charge-offs | 473.9336% | 980 |
| Earnings coverage of net charge-offs (x) | 11.1517% | 1,930 |
| Efficiency ratio | 78.0135% | 3,343 |
| Assets per employee ($millions) | 4.9867% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 6,621 |
| Loan loss allowance to noncurrent loans | 132.5288% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 6,161 |
| Noncurrent loans to loans | 0.7051% | 5,834 |
| Net loans and leases to total assets | 64.1127% | 4,958 |
| Net loans and leases to deposits | 89.8976% | 2,849 |
| Net loans and leases to core deposits | 110.4624% | 3,332 |
| Total domestic deposits to total assets | 71.3175% | 7,323 |
| Equity capital to assets | 9.5638% | 4,533 |
| Core capital (leverage) ratio | 9.0173% | 4,597 |
| Tier 1 risk-based capital ratio | 16.6174% | 2,416 |
| Total risk-based capital ratio | 17.7173% | 2,400 |
| Memoranda: | ||
| Average total assets | $606,937,670 | 1,177 |
| Average earning assets | $564,138,330 | 1,150 |
| Average equity | $57,059,670 | 1,178 |
| Average total loans | $399,314,330 | 1,244 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2573% | 6,084 |
| Cost of funding earning assets | 2.3947% | 2,318 |
| Net interest margin | 2.8626% | 6,850 |
| Noninterest income to average assets | 0.7740% | 2,459 |
| Noninterest expense to average assets | 2.6261% | 5,339 |
| Loan and lease loss provision to assets | 0.2969% | 3,574 |
| Net operating income to assets | 0.4388% | 4,703 |
| Return on assets (ROA) | 0.4388% | 4,874 |
| Pretax return on assets | 0.5114% | 5,052 |
| Return on Equity (ROE) | 4.7082% | 4,605 |
| Retained earnings to average equity (ytd only) | 4.7082% | 3,299 |
| Net charge-offs to loans | 0.0020% | 5,715 |
| Credit loss provision to net charge-offs | 22,500.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 612.5000% | 34 |
| Efficiency ratio | 76.4649% | 3,410 |
| Assets per employee ($millions) | 5.2641% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8375% | 7,020 |
| Loan loss allowance to noncurrent loans | 430.7097% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 7,042 |
| Noncurrent loans to loans | 0.1945% | 6,976 |
| Net loans and leases to total assets | 64.1694% | 4,955 |
| Net loans and leases to deposits | 91.6618% | 2,655 |
| Net loans and leases to core deposits | 113.4269% | 3,062 |
| Total domestic deposits to total assets | 70.0068% | 7,425 |
| Equity capital to assets | 9.3092% | 4,927 |
| Core capital (leverage) ratio | 9.0229% | 4,668 |
| Tier 1 risk-based capital ratio | 16.1044% | 2,654 |
| Total risk-based capital ratio | 17.0932% | 2,686 |
| Memoranda: | ||
| Average total assets | $606,218,000 | 1,178 |
| Average earning assets | $563,410,000 | 1,156 |
| Average equity | $56,497,500 | 1,197 |
| Average total loans | $402,108,500 | 1,249 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5002% | 7,305 |
| Cost of funding earning assets | 2.6718% | 3,306 |
| Net interest margin | 2.8284% | 7,283 |
| Noninterest income to average assets | 0.6883% | 3,198 |
| Noninterest expense to average assets | 2.5438% | 5,845 |
| Loan and lease loss provision to assets | 0.1265% | 5,746 |
| Net operating income to assets | 0.5259% | 4,628 |
| Return on assets (ROA) | 0.0759% | 6,015 |
| Pretax return on assets | -0.0617% | 6,223 |
| Return on Equity (ROE) | 0.7749% | 5,981 |
| Retained earnings to average equity (ytd only) | 0.7749% | 4,760 |
| Net charge-offs to loans | 0.0261% | 6,466 |
| Credit loss provision to net charge-offs | 714.8515% | 585 |
| Earnings coverage of net charge-offs (x) | 43.3960% | 851 |
| Efficiency ratio | 76.8095% | 3,105 |
| Assets per employee ($millions) | 5.0986% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7124% | 7,385 |
| Loan loss allowance to noncurrent loans | 177.5184% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 6,424 |
| Noncurrent loans to loans | 0.4013% | 6,147 |
| Net loans and leases to total assets | 67.5180% | 4,553 |
| Net loans and leases to deposits | 99.2751% | 1,949 |
| Net loans and leases to core deposits | 119.5362% | 2,738 |
| Total domestic deposits to total assets | 68.0110% | 7,469 |
| Equity capital to assets | 9.3305% | 4,901 |
| Core capital (leverage) ratio | 9.3658% | 4,210 |
| Tier 1 risk-based capital ratio | 16.1204% | 2,617 |
| Total risk-based capital ratio | 16.9710% | 2,704 |
| Memoranda: | ||
| Average total assets | $570,676,200 | 1,179 |
| Average earning assets | $529,341,800 | 1,169 |
| Average equity | $55,878,600 | 1,202 |
| Average total loans | $386,965,800 | 1,252 |