Home > Haven Savings Bank > Performance and Condition Ratios
Haven Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2599% | 4,113 |
| Cost of funding earning assets | 3.1263% | 241 |
| Net interest margin | 1.1336% | 4,406 |
| Noninterest income to average assets | 0.1100% | 4,092 |
| Noninterest expense to average assets | 2.0355% | 3,489 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | -0.8495% | 4,364 |
| Return on assets (ROA) | -0.8495% | 4,395 |
| Pretax return on assets | -0.8487% | 4,381 |
| Return on Equity (ROE) | -9.5700% | 4,384 |
| Retained earnings to average equity (ytd only) | -9.5676% | 4,239 |
| Net charge-offs to loans | 0.0043% | 2,114 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | -247.1111% | 4,486 |
| Efficiency ratio | 171.5113% | 64 |
| Assets per employee ($millions) | 10.2580% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 3,889 |
| Loan loss allowance to noncurrent loans | 123.0339% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 1,432 |
| Noncurrent loans to loans | 0.6401% | 1,570 |
| Net loans and leases to total assets | 80.2700% | 568 |
| Net loans and leases to deposits | 92.1490% | 913 |
| Net loans and leases to core deposits | 123.3231% | 460 |
| Total domestic deposits to total assets | 87.1100% | 1,871 |
| Equity capital to assets | 8.8768% | 3,022 |
| Core capital (leverage) ratio | 8.7157% | 3,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,048,180,500 | 977 |
| Average earning assets | $992,596,500 | 959 |
| Average equity | $93,064,000 | 1,099 |
| Average total loans | $844,886,500 | 868 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 4,112 |
| Cost of funding earning assets | 3.3368% | 260 |
| Net interest margin | 0.9204% | 4,433 |
| Noninterest income to average assets | 0.1600% | 3,940 |
| Noninterest expense to average assets | 1.9687% | 3,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | -0.7306% | 4,377 |
| Return on assets (ROA) | -0.7306% | 4,408 |
| Pretax return on assets | -0.9357% | 4,417 |
| Return on Equity (ROE) | -7.8200% | 4,396 |
| Retained earnings to average equity (ytd only) | -7.8246% | 4,366 |
| Net charge-offs to loans | 0.0034% | 2,856 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | -346.4828% | 4,511 |
| Efficiency ratio | 190.5796% | 54 |
| Assets per employee ($millions) | 10.6250% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7764% | 3,931 |
| Loan loss allowance to noncurrent loans | 112.6427% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.5524% | 1,307 |
| Noncurrent loans to loans | 0.6892% | 1,417 |
| Net loans and leases to total assets | 79.5200% | 717 |
| Net loans and leases to deposits | 92.7725% | 962 |
| Net loans and leases to core deposits | 124.8022% | 472 |
| Total domestic deposits to total assets | 85.7200% | 2,309 |
| Equity capital to assets | 9.0790% | 2,765 |
| Core capital (leverage) ratio | 9.0398% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,073,878,400 | 954 |
| Average earning assets | $1,014,679,800 | 933 |
| Average equity | $100,273,800 | 1,016 |
| Average total loans | $861,701,600 | 849 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2499% | 4,115 |
| Cost of funding earning assets | 3.3320% | 281 |
| Net interest margin | 0.9179% | 4,465 |
| Noninterest income to average assets | 0.1600% | 3,942 |
| Noninterest expense to average assets | 1.9714% | 3,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | -0.7441% | 4,419 |
| Return on assets (ROA) | -0.7441% | 4,448 |
| Pretax return on assets | -0.9399% | 4,451 |
| Return on Equity (ROE) | -7.9100% | 4,434 |
| Retained earnings to average equity (ytd only) | -7.9147% | 4,404 |
| Net charge-offs to loans | 0.0045% | 2,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | -261.7241% | 4,539 |
| Efficiency ratio | 191.1164% | 54 |
| Assets per employee ($millions) | 10.2274% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7735% | 3,961 |
| Loan loss allowance to noncurrent loans | 92.6040% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.6712% | 1,068 |
| Noncurrent loans to loans | 0.8352% | 1,198 |
| Net loans and leases to total assets | 79.7400% | 665 |
| Net loans and leases to deposits | 94.4691% | 830 |
| Net loans and leases to core deposits | 127.6841% | 431 |
| Total domestic deposits to total assets | 84.4100% | 2,479 |
| Equity capital to assets | 9.2423% | 2,856 |
| Core capital (leverage) ratio | 9.2755% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,076,723,500 | 948 |
| Average earning assets | $1,017,339,500 | 926 |
| Average equity | $101,226,250 | 995 |
| Average total loans | $864,246,250 | 845 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 4,132 |
| Cost of funding earning assets | 3.3011% | 266 |
| Net interest margin | 0.8989% | 4,485 |
| Noninterest income to average assets | 0.1500% | 3,984 |
| Noninterest expense to average assets | 1.9823% | 3,596 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | -0.7838% | 4,443 |
| Return on assets (ROA) | -0.7838% | 4,471 |
| Pretax return on assets | -0.9848% | 4,473 |
| Return on Equity (ROE) | -8.2900% | 4,448 |
| Retained earnings to average equity (ytd only) | -8.2916% | 4,404 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 198.7203% | 55 |
| Assets per employee ($millions) | 10.1750% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7721% | 3,996 |
| Loan loss allowance to noncurrent loans | 195.6394% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 1,894 |
| Noncurrent loans to loans | 0.3947% | 2,006 |
| Net loans and leases to total assets | 79.8700% | 691 |
| Net loans and leases to deposits | 94.3667% | 908 |
| Net loans and leases to core deposits | 126.9635% | 471 |
| Total domestic deposits to total assets | 84.6400% | 2,419 |
| Equity capital to assets | 9.3651% | 2,479 |
| Core capital (leverage) ratio | 9.2741% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,081,080,000 | 944 |
| Average earning assets | $1,021,284,000 | 921 |
| Average equity | $102,199,667 | 983 |
| Average total loans | $867,414,667 | 839 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 4,130 |
| Cost of funding earning assets | 3.2196% | 285 |
| Net interest margin | 0.9287% | 4,517 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 1.9716% | 3,645 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.7471% | 4,495 |
| Return on assets (ROA) | -0.7471% | 4,482 |
| Pretax return on assets | -0.9354% | 4,497 |
| Return on Equity (ROE) | -7.8700% | 4,458 |
| Retained earnings to average equity (ytd only) | -7.8666% | 4,234 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 190.2733% | 28 |
| Assets per employee ($millions) | 10.1631% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7690% | 4,005 |
| Loan loss allowance to noncurrent loans | 189.9314% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.3215% | 1,814 |
| Noncurrent loans to loans | 0.4049% | 1,923 |
| Net loans and leases to total assets | 78.7900% | 750 |
| Net loans and leases to deposits | 93.4908% | 907 |
| Net loans and leases to core deposits | 126.4300% | 473 |
| Total domestic deposits to total assets | 84.2700% | 2,636 |
| Equity capital to assets | 9.4034% | 2,397 |
| Core capital (leverage) ratio | 9.3292% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,087,430,000 | 939 |
| Average earning assets | $1,028,072,500 | 920 |
| Average equity | $103,272,000 | 974 |
| Average total loans | $871,148,000 | 839 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9456% | 4,035 |
| Cost of funding earning assets | 2.5399% | 339 |
| Net interest margin | 1.4057% | 4,520 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 1.8382% | 3,940 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | -0.2689% | 4,479 |
| Return on assets (ROA) | -0.2689% | 4,461 |
| Pretax return on assets | -0.3731% | 4,469 |
| Return on Equity (ROE) | -2.6000% | 4,431 |
| Retained earnings to average equity (ytd only) | -2.6041% | 4,303 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 123.2260% | 73 |
| Assets per employee ($millions) | 10.7498% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7555% | 4,045 |
| Loan loss allowance to noncurrent loans | 157.6448% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 1,441 |
| Noncurrent loans to loans | 0.4792% | 1,587 |
| Net loans and leases to total assets | 79.5500% | 692 |
| Net loans and leases to deposits | 96.7006% | 735 |
| Net loans and leases to core deposits | 129.9744% | 401 |
| Total domestic deposits to total assets | 82.2600% | 3,075 |
| Equity capital to assets | 10.3382% | 1,826 |
| Core capital (leverage) ratio | 9.7372% | 3,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,108,409,800 | 906 |
| Average earning assets | $1,043,185,400 | 885 |
| Average equity | $114,435,000 | 861 |
| Average total loans | $894,910,000 | 794 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8886% | 4,013 |
| Cost of funding earning assets | 2.3461% | 369 |
| Net interest margin | 1.5425% | 4,520 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.9160% | 3,776 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | -0.2319% | 4,504 |
| Return on assets (ROA) | -0.2319% | 4,489 |
| Pretax return on assets | -0.3395% | 4,494 |
| Return on Equity (ROE) | -2.2500% | 4,459 |
| Retained earnings to average equity (ytd only) | -2.2469% | 4,334 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 118.8790% | 80 |
| Assets per employee ($millions) | 10.8031% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7430% | 4,083 |
| Loan loss allowance to noncurrent loans | 195.6970% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 1,791 |
| Noncurrent loans to loans | 0.3797% | 1,877 |
| Net loans and leases to total assets | 79.7100% | 683 |
| Net loans and leases to deposits | 98.4491% | 586 |
| Net loans and leases to core deposits | 132.1882% | 318 |
| Total domestic deposits to total assets | 80.9700% | 3,391 |
| Equity capital to assets | 10.2824% | 1,657 |
| Core capital (leverage) ratio | 9.7815% | 3,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,111,392,500 | 908 |
| Average earning assets | $1,047,166,250 | 887 |
| Average equity | $114,704,750 | 850 |
| Average total loans | $898,916,500 | 796 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8367% | 3,973 |
| Cost of funding earning assets | 2.1324% | 390 |
| Net interest margin | 1.7043% | 4,553 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.9308% | 3,755 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | -0.1816% | 4,531 |
| Return on assets (ROA) | -0.1816% | 4,515 |
| Pretax return on assets | -0.2591% | 4,524 |
| Return on Equity (ROE) | -1.7600% | 4,491 |
| Retained earnings to average equity (ytd only) | -1.7578% | 4,276 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 112.0163% | 91 |
| Assets per employee ($millions) | 10.8031% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7354% | 4,124 |
| Loan loss allowance to noncurrent loans | 131.4331% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 1,180 |
| Noncurrent loans to loans | 0.5595% | 1,340 |
| Net loans and leases to total assets | 80.5400% | 577 |
| Net loans and leases to deposits | 100.0680% | 512 |
| Net loans and leases to core deposits | 132.1659% | 299 |
| Total domestic deposits to total assets | 80.4900% | 3,505 |
| Equity capital to assets | 10.3659% | 1,647 |
| Core capital (leverage) ratio | 9.7813% | 2,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,110,949,333 | 900 |
| Average earning assets | $1,046,149,667 | 876 |
| Average equity | $114,801,333 | 845 |
| Average total loans | $900,681,000 | 784 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7075% | 4,008 |
| Cost of funding earning assets | 1.8815% | 383 |
| Net interest margin | 1.8260% | 4,600 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 1.9426% | 3,762 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | -0.1348% | 4,539 |
| Return on assets (ROA) | -0.1348% | 4,524 |
| Pretax return on assets | -0.1924% | 4,524 |
| Return on Equity (ROE) | -1.3100% | 4,493 |
| Retained earnings to average equity (ytd only) | -1.3062% | 4,154 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 105.6515% | 127 |
| Assets per employee ($millions) | 10.7412% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7260% | 4,208 |
| Loan loss allowance to noncurrent loans | 150.0682% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 1,327 |
| Noncurrent loans to loans | 0.4838% | 1,504 |
| Net loans and leases to total assets | 80.0600% | 536 |
| Net loans and leases to deposits | 100.9384% | 403 |
| Net loans and leases to core deposits | 128.3849% | 296 |
| Total domestic deposits to total assets | 79.3100% | 3,866 |
| Equity capital to assets | 10.1226% | 1,757 |
| Core capital (leverage) ratio | 9.9760% | 2,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,110,063,500 | 917 |
| Average earning assets | $1,045,345,500 | 897 |
| Average equity | $114,530,500 | 858 |
| Average total loans | $899,581,000 | 794 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3703% | 3,419 |
| Cost of funding earning assets | 0.6070% | 873 |
| Net interest margin | 2.7633% | 3,951 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 2.0438% | 3,456 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.4086% | 4,233 |
| Return on assets (ROA) | 0.4086% | 4,198 |
| Pretax return on assets | 0.5641% | 4,087 |
| Return on Equity (ROE) | 3.8000% | 4,192 |
| Retained earnings to average equity (ytd only) | 3.7972% | 3,462 |
| Net charge-offs to loans | 0.0002% | 2,611 |
| Credit loss provision to net charge-offs | 26,950.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 3,222.0000% | 44 |
| Efficiency ratio | 76.6677% | 949 |
| Assets per employee ($millions) | 10.3047% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6619% | 4,268 |
| Loan loss allowance to noncurrent loans | 143.1802% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3765% | 1,360 |
| Noncurrent loans to loans | 0.4623% | 1,551 |
| Net loans and leases to total assets | 80.9100% | 508 |
| Net loans and leases to deposits | 100.5448% | 420 |
| Net loans and leases to core deposits | 122.8112% | 322 |
| Total domestic deposits to total assets | 80.4700% | 3,816 |
| Equity capital to assets | 10.5187% | 1,444 |
| Core capital (leverage) ratio | 10.4066% | 2,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,046,739,200 | 945 |
| Average earning assets | $986,904,400 | 919 |
| Average equity | $112,634,800 | 866 |
| Average total loans | $822,484,000 | 806 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2911% | 3,200 |
| Cost of funding earning assets | 0.4227% | 1,139 |
| Net interest margin | 2.8684% | 3,573 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 2.0594% | 3,320 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.4400% | 4,181 |
| Return on assets (ROA) | 0.4400% | 4,126 |
| Pretax return on assets | 0.6134% | 3,963 |
| Return on Equity (ROE) | 4.0700% | 4,142 |
| Retained earnings to average equity (ytd only) | 4.0652% | 3,421 |
| Net charge-offs to loans | 0.0003% | 2,340 |
| Credit loss provision to net charge-offs | 16,450.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 2,546.0000% | 49 |
| Efficiency ratio | 75.6498% | 1,105 |
| Assets per employee ($millions) | 9.9317% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6671% | 4,309 |
| Loan loss allowance to noncurrent loans | 134.9893% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3996% | 1,353 |
| Noncurrent loans to loans | 0.4942% | 1,568 |
| Net loans and leases to total assets | 80.3300% | 504 |
| Net loans and leases to deposits | 95.9151% | 558 |
| Net loans and leases to core deposits | 114.2930% | 355 |
| Total domestic deposits to total assets | 83.7500% | 3,550 |
| Equity capital to assets | 10.8338% | 1,237 |
| Core capital (leverage) ratio | 10.5320% | 2,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,035,348,750 | 958 |
| Average earning assets | $976,581,750 | 929 |
| Average equity | $112,069,500 | 882 |
| Average total loans | $805,689,000 | 816 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2084% | 3,015 |
| Cost of funding earning assets | 0.3500% | 1,260 |
| Net interest margin | 2.8584% | 3,271 |
| Noninterest income to average assets | -0.0196% | 4,750 |
| Noninterest expense to average assets | 2.0337% | 3,339 |
| Loan and lease loss provision to assets | 0.0322% | 2,007 |
| Net operating income to assets | 0.4383% | 4,031 |
| Return on assets (ROA) | 0.4383% | 3,986 |
| Pretax return on assets | 0.6111% | 3,794 |
| Return on Equity (ROE) | 4.0500% | 4,025 |
| Retained earnings to average equity (ytd only) | 4.0500% | 3,065 |
| Net charge-offs to loans | 0.0005% | 2,145 |
| Credit loss provision to net charge-offs | 8,300.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 1,656.0000% | 68 |
| Efficiency ratio | 75.7637% | 1,311 |
| Assets per employee ($millions) | 10.0732% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6668% | 4,389 |
| Loan loss allowance to noncurrent loans | 127.2727% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 1,367 |
| Noncurrent loans to loans | 0.5239% | 1,575 |
| Net loans and leases to total assets | 78.4318% | 526 |
| Net loans and leases to deposits | 92.0550% | 608 |
| Net loans and leases to core deposits | 106.3154% | 440 |
| Total domestic deposits to total assets | 85.2011% | 3,440 |
| Equity capital to assets | 10.7787% | 1,323 |
| Core capital (leverage) ratio | 10.6009% | 1,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,029,546,333 | 951 |
| Average earning assets | $971,318,667 | 934 |
| Average equity | $111,408,000 | 897 |
| Average total loans | $790,482,000 | 815 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1232% | 2,900 |
| Cost of funding earning assets | 0.3488% | 1,213 |
| Net interest margin | 2.7744% | 3,211 |
| Noninterest income to average assets | -0.0074% | 4,773 |
| Noninterest expense to average assets | 2.0625% | 3,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3943% | 3,966 |
| Return on assets (ROA) | 0.3943% | 3,935 |
| Pretax return on assets | 0.5487% | 3,758 |
| Return on Equity (ROE) | 3.6366% | 3,960 |
| Retained earnings to average equity (ytd only) | 3.6366% | 3,058 |
| Net charge-offs to loans | 0.0010% | 1,805 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 700.0000% | 138 |
| Efficiency ratio | 78.7751% | 1,246 |
| Assets per employee ($millions) | 9.5584% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6865% | 4,411 |
| Loan loss allowance to noncurrent loans | 114.6347% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 1,338 |
| Noncurrent loans to loans | 0.5989% | 1,564 |
| Net loans and leases to total assets | 75.6722% | 529 |
| Net loans and leases to deposits | 87.4678% | 652 |
| Net loans and leases to core deposits | 98.3927% | 565 |
| Total domestic deposits to total assets | 86.5143% | 3,100 |
| Equity capital to assets | 10.8673% | 1,400 |
| Core capital (leverage) ratio | 10.6156% | 1,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,020,511,000 | 959 |
| Average earning assets | $963,244,500 | 953 |
| Average equity | $110,652,500 | 925 |
| Average total loans | $772,132,500 | 817 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1663% | 3,548 |
| Cost of funding earning assets | 0.5715% | 626 |
| Net interest margin | 2.5948% | 4,056 |
| Noninterest income to average assets | 0.1295% | 4,500 |
| Noninterest expense to average assets | 2.1221% | 3,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4003% | 4,276 |
| Return on assets (ROA) | 0.4003% | 4,307 |
| Pretax return on assets | 0.4545% | 4,322 |
| Return on Equity (ROE) | 3.7077% | 4,260 |
| Retained earnings to average equity (ytd only) | 3.7077% | 3,337 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0578% | 669 |
| Assets per employee ($millions) | 9.5166% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6996% | 4,417 |
| Loan loss allowance to noncurrent loans | 119.2248% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 1,497 |
| Noncurrent loans to loans | 0.5868% | 1,671 |
| Net loans and leases to total assets | 74.5995% | 615 |
| Net loans and leases to deposits | 86.9301% | 723 |
| Net loans and leases to core deposits | 97.7975% | 625 |
| Total domestic deposits to total assets | 85.8155% | 2,967 |
| Equity capital to assets | 10.8183% | 1,925 |
| Core capital (leverage) ratio | 10.4385% | 1,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $998,477,800 | 962 |
| Average earning assets | $941,667,000 | 954 |
| Average equity | $107,803,800 | 947 |
| Average total loans | $746,779,800 | 837 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1220% | 3,763 |
| Cost of funding earning assets | 0.6258% | 558 |
| Net interest margin | 2.4962% | 4,282 |
| Noninterest income to average assets | 0.1078% | 4,640 |
| Noninterest expense to average assets | 2.1173% | 3,311 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3354% | 4,464 |
| Return on assets (ROA) | 0.3445% | 4,480 |
| Pretax return on assets | 0.3531% | 4,546 |
| Return on Equity (ROE) | 3.1923% | 4,435 |
| Retained earnings to average equity (ytd only) | 3.1923% | 3,832 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6917% | 445 |
| Assets per employee ($millions) | 9.6015% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6910% | 4,519 |
| Loan loss allowance to noncurrent loans | 121.4156% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 1,724 |
| Noncurrent loans to loans | 0.5691% | 1,884 |
| Net loans and leases to total assets | 76.2940% | 528 |
| Net loans and leases to deposits | 90.4643% | 584 |
| Net loans and leases to core deposits | 101.9676% | 524 |
| Total domestic deposits to total assets | 84.3360% | 3,355 |
| Equity capital to assets | 10.7864% | 2,179 |
| Core capital (leverage) ratio | 10.4956% | 2,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $993,527,750 | 978 |
| Average earning assets | $936,652,750 | 968 |
| Average equity | $107,214,750 | 968 |
| Average total loans | $742,229,250 | 859 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0430% | 3,969 |
| Cost of funding earning assets | 0.6957% | 479 |
| Net interest margin | 2.3472% | 4,466 |
| Noninterest income to average assets | 0.1258% | 4,575 |
| Noninterest expense to average assets | 2.1261% | 3,311 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1513% | 4,663 |
| Return on assets (ROA) | 0.1620% | 4,680 |
| Pretax return on assets | 0.2252% | 4,657 |
| Return on Equity (ROE) | 1.5013% | 4,649 |
| Retained earnings to average equity (ytd only) | 1.5013% | 4,239 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5850% | 327 |
| Assets per employee ($millions) | 9.3194% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7231% | 4,493 |
| Loan loss allowance to noncurrent loans | 116.7285% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 1,810 |
| Noncurrent loans to loans | 0.6194% | 1,861 |
| Net loans and leases to total assets | 73.6921% | 788 |
| Net loans and leases to deposits | 88.4847% | 751 |
| Net loans and leases to core deposits | 99.9006% | 663 |
| Total domestic deposits to total assets | 83.2824% | 3,646 |
| Equity capital to assets | 10.7287% | 2,205 |
| Core capital (leverage) ratio | 10.4584% | 1,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $988,650,000 | 977 |
| Average earning assets | $931,661,333 | 961 |
| Average equity | $106,705,000 | 968 |
| Average total loans | $731,466,333 | 864 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0054% | 4,071 |
| Cost of funding earning assets | 0.8012% | 343 |
| Net interest margin | 2.2042% | 4,609 |
| Noninterest income to average assets | 0.1056% | 4,657 |
| Noninterest expense to average assets | 2.1260% | 3,342 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0543% | 4,752 |
| Return on assets (ROA) | 0.0634% | 4,750 |
| Pretax return on assets | 0.0650% | 4,750 |
| Return on Equity (ROE) | 0.5856% | 4,743 |
| Retained earnings to average equity (ytd only) | 0.5856% | 4,289 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0572% | 230 |
| Assets per employee ($millions) | 9.2313% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7348% | 4,510 |
| Loan loss allowance to noncurrent loans | 119.2513% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 2,031 |
| Noncurrent loans to loans | 0.6162% | 2,028 |
| Net loans and leases to total assets | 73.1999% | 882 |
| Net loans and leases to deposits | 88.9592% | 767 |
| Net loans and leases to core deposits | 100.1804% | 707 |
| Total domestic deposits to total assets | 82.2848% | 3,836 |
| Equity capital to assets | 10.7967% | 2,011 |
| Core capital (leverage) ratio | 10.5225% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $984,384,500 | 968 |
| Average earning assets | $927,135,500 | 954 |
| Average equity | $106,565,000 | 958 |
| Average total loans | $727,101,500 | 868 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4479% | 4,124 |
| Cost of funding earning assets | 1.3213% | 166 |
| Net interest margin | 2.1266% | 4,795 |
| Noninterest income to average assets | 0.1261% | 4,644 |
| Noninterest expense to average assets | 2.1300% | 3,869 |
| Loan and lease loss provision to assets | 0.0901% | 3,238 |
| Net operating income to assets | -0.0573% | 4,762 |
| Return on assets (ROA) | -0.0563% | 4,792 |
| Pretax return on assets | -0.0970% | 4,797 |
| Return on Equity (ROE) | -0.5261% | 4,800 |
| Retained earnings to average equity (ytd only) | -0.5261% | 4,595 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8817% | 175 |
| Assets per employee ($millions) | 9.1684% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7374% | 4,528 |
| Loan loss allowance to noncurrent loans | 91.5498% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 1,771 |
| Noncurrent loans to loans | 0.8054% | 1,736 |
| Net loans and leases to total assets | 73.4407% | 1,096 |
| Net loans and leases to deposits | 90.4134% | 901 |
| Net loans and leases to core deposits | 104.4359% | 707 |
| Total domestic deposits to total assets | 81.2276% | 3,826 |
| Equity capital to assets | 10.8546% | 2,380 |
| Core capital (leverage) ratio | 10.4352% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $995,622,000 | 888 |
| Average earning assets | $934,384,600 | 873 |
| Average equity | $106,640,400 | 918 |
| Average total loans | $783,645,000 | 796 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5234% | 4,166 |
| Cost of funding earning assets | 1.4220% | 157 |
| Net interest margin | 2.1014% | 4,853 |
| Noninterest income to average assets | 0.1027% | 4,754 |
| Noninterest expense to average assets | 2.1251% | 3,885 |
| Loan and lease loss provision to assets | 0.0844% | 3,260 |
| Net operating income to assets | -0.0911% | 4,810 |
| Return on assets (ROA) | -0.0898% | 4,823 |
| Pretax return on assets | -0.1346% | 4,825 |
| Return on Equity (ROE) | -0.8411% | 4,828 |
| Retained earnings to average equity (ytd only) | -0.8411% | 4,597 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9694% | 153 |
| Assets per employee ($millions) | 9.2062% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6633% | 4,635 |
| Loan loss allowance to noncurrent loans | 74.3387% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.7620% | 1,517 |
| Noncurrent loans to loans | 0.8923% | 1,677 |
| Net loans and leases to total assets | 77.3404% | 922 |
| Net loans and leases to deposits | 96.4511% | 731 |
| Net loans and leases to core deposits | 112.7716% | 603 |
| Total domestic deposits to total assets | 80.1862% | 3,824 |
| Equity capital to assets | 10.7717% | 2,572 |
| Core capital (leverage) ratio | 10.1961% | 2,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $999,272,000 | 869 |
| Average earning assets | $936,994,500 | 858 |
| Average equity | $106,679,000 | 908 |
| Average total loans | $798,101,000 | 781 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5896% | 4,276 |
| Cost of funding earning assets | 1.4965% | 168 |
| Net interest margin | 2.0930% | 4,921 |
| Noninterest income to average assets | 0.0520% | 4,909 |
| Noninterest expense to average assets | 2.0807% | 4,076 |
| Loan and lease loss provision to assets | 0.3410% | 1,253 |
| Net operating income to assets | -0.3829% | 4,900 |
| Return on assets (ROA) | -0.3809% | 4,897 |
| Pretax return on assets | -0.4048% | 4,881 |
| Return on Equity (ROE) | -3.5782% | 4,907 |
| Retained earnings to average equity (ytd only) | -3.5782% | 4,699 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7289% | 151 |
| Assets per employee ($millions) | 9.3692% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7736% | 4,403 |
| Loan loss allowance to noncurrent loans | 75.8269% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.8693% | 1,427 |
| Noncurrent loans to loans | 1.0202% | 1,523 |
| Net loans and leases to total assets | 78.1778% | 826 |
| Net loans and leases to deposits | 98.6336% | 623 |
| Net loans and leases to core deposits | 126.1930% | 312 |
| Total domestic deposits to total assets | 79.2608% | 3,985 |
| Equity capital to assets | 10.3673% | 2,866 |
| Core capital (leverage) ratio | 10.0779% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,004,009,667 | 848 |
| Average earning assets | $941,510,333 | 837 |
| Average equity | $106,869,333 | 901 |
| Average total loans | $808,489,333 | 764 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7986% | 4,236 |
| Cost of funding earning assets | 1.5821% | 204 |
| Net interest margin | 2.2165% | 4,952 |
| Noninterest income to average assets | -0.1724% | 5,090 |
| Noninterest expense to average assets | 1.9990% | 4,395 |
| Loan and lease loss provision to assets | 0.0144% | 3,606 |
| Net operating income to assets | -0.0669% | 4,785 |
| Return on assets (ROA) | -0.0656% | 4,772 |
| Pretax return on assets | -0.1064% | 4,779 |
| Return on Equity (ROE) | -0.6082% | 4,782 |
| Retained earnings to average equity (ytd only) | -0.6082% | 4,091 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3241% | 191 |
| Assets per employee ($millions) | 9.2154% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5530% | 4,824 |
| Loan loss allowance to noncurrent loans | 92.5979% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 2,318 |
| Noncurrent loans to loans | 0.5973% | 2,503 |
| Net loans and leases to total assets | 80.3948% | 653 |
| Net loans and leases to deposits | 102.9316% | 411 |
| Net loans and leases to core deposits | 132.8761% | 236 |
| Total domestic deposits to total assets | 78.1051% | 4,203 |
| Equity capital to assets | 10.7286% | 3,110 |
| Core capital (leverage) ratio | 10.2511% | 3,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,000,078,000 | 818 |
| Average earning assets | $937,504,500 | 807 |
| Average equity | $107,852,000 | 888 |
| Average total loans | $814,120,500 | 736 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7728% | 4,600 |
| Cost of funding earning assets | 1.6094% | 287 |
| Net interest margin | 2.1635% | 5,066 |
| Noninterest income to average assets | 0.1742% | 4,617 |
| Noninterest expense to average assets | 2.0439% | 4,459 |
| Loan and lease loss provision to assets | 0.0328% | 3,358 |
| Net operating income to assets | 0.1089% | 4,922 |
| Return on assets (ROA) | 0.1208% | 4,930 |
| Pretax return on assets | 0.1424% | 4,923 |
| Return on Equity (ROE) | 1.1422% | 4,898 |
| Retained earnings to average equity (ytd only) | 1.1422% | 4,336 |
| Net charge-offs to loans | 0.0208% | 2,996 |
| Credit loss provision to net charge-offs | 190.2857% | 1,387 |
| Earnings coverage of net charge-offs (x) | 9.3543% | 2,673 |
| Efficiency ratio | 92.0923% | 290 |
| Assets per employee ($millions) | 9.3053% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5458% | 4,828 |
| Loan loss allowance to noncurrent loans | 85.6401% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.6191% | 2,035 |
| Noncurrent loans to loans | 0.6373% | 2,291 |
| Net loans and leases to total assets | 81.5270% | 613 |
| Net loans and leases to deposits | 106.0329% | 301 |
| Net loans and leases to core deposits | 135.3147% | 219 |
| Total domestic deposits to total assets | 76.8885% | 4,500 |
| Equity capital to assets | 10.8406% | 3,146 |
| Core capital (leverage) ratio | 10.2870% | 3,203 |
| Tier 1 risk-based capital ratio | 16.9531% | 2,061 |
| Total risk-based capital ratio | 17.6911% | 2,178 |
| Memoranda: | ||
| Average total assets | $1,015,675,000 | 772 |
| Average earning assets | $953,421,000 | 752 |
| Average equity | $107,424,800 | 846 |
| Average total loans | $841,011,200 | 687 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7807% | 4,695 |
| Cost of funding earning assets | 1.5892% | 318 |
| Net interest margin | 2.1915% | 5,147 |
| Noninterest income to average assets | 0.1564% | 4,767 |
| Noninterest expense to average assets | 2.0617% | 4,429 |
| Loan and lease loss provision to assets | 0.0435% | 3,037 |
| Net operating income to assets | 0.0946% | 5,021 |
| Return on assets (ROA) | 0.1108% | 5,028 |
| Pretax return on assets | 0.1280% | 5,023 |
| Return on Equity (ROE) | 1.0538% | 5,005 |
| Retained earnings to average equity (ytd only) | 1.0538% | 4,552 |
| Net charge-offs to loans | 0.0293% | 2,500 |
| Credit loss provision to net charge-offs | 179.0323% | 1,436 |
| Earnings coverage of net charge-offs (x) | 6.2958% | 2,848 |
| Efficiency ratio | 92.4797% | 258 |
| Assets per employee ($millions) | 9.7023% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5342% | 4,923 |
| Loan loss allowance to noncurrent loans | 66.5269% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 1,815 |
| Noncurrent loans to loans | 0.8031% | 1,967 |
| Net loans and leases to total assets | 81.9967% | 566 |
| Net loans and leases to deposits | 106.3136% | 308 |
| Net loans and leases to core deposits | 135.5396% | 235 |
| Total domestic deposits to total assets | 77.1273% | 4,502 |
| Equity capital to assets | 10.6619% | 3,410 |
| Core capital (leverage) ratio | 10.0876% | 3,543 |
| Tier 1 risk-based capital ratio | 16.4810% | 2,277 |
| Total risk-based capital ratio | 17.1996% | 2,390 |
| Memoranda: | ||
| Average total assets | $1,020,675,750 | 771 |
| Average earning assets | $958,632,250 | 755 |
| Average equity | $107,296,750 | 843 |
| Average total loans | $847,214,750 | 683 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7821% | 4,733 |
| Cost of funding earning assets | 1.5339% | 341 |
| Net interest margin | 2.2483% | 5,200 |
| Noninterest income to average assets | 0.1913% | 4,608 |
| Noninterest expense to average assets | 2.0629% | 4,480 |
| Loan and lease loss provision to assets | 0.0406% | 3,001 |
| Net operating income to assets | 0.1644% | 5,023 |
| Return on assets (ROA) | 0.1644% | 5,033 |
| Pretax return on assets | 0.1999% | 5,027 |
| Return on Equity (ROE) | 1.5709% | 4,998 |
| Retained earnings to average equity (ytd only) | 1.5709% | 4,264 |
| Net charge-offs to loans | 0.0199% | 2,466 |
| Credit loss provision to net charge-offs | 244.7059% | 1,041 |
| Earnings coverage of net charge-offs (x) | 14.4941% | 2,033 |
| Efficiency ratio | 88.9746% | 390 |
| Assets per employee ($millions) | 9.7516% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5202% | 4,991 |
| Loan loss allowance to noncurrent loans | 90.1693% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 2,537 |
| Noncurrent loans to loans | 0.5770% | 2,530 |
| Net loans and leases to total assets | 81.7844% | 643 |
| Net loans and leases to deposits | 107.8698% | 277 |
| Net loans and leases to core deposits | 136.0267% | 236 |
| Total domestic deposits to total assets | 75.8177% | 4,690 |
| Equity capital to assets | 10.4107% | 3,595 |
| Core capital (leverage) ratio | 10.0250% | 3,561 |
| Tier 1 risk-based capital ratio | 16.5410% | 2,222 |
| Total risk-based capital ratio | 17.2587% | 2,351 |
| Memoranda: | ||
| Average total assets | $1,024,554,330 | 766 |
| Average earning assets | $962,521,330 | 749 |
| Average equity | $107,201,330 | 838 |
| Average total loans | $852,345,000 | 680 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7781% | 4,737 |
| Cost of funding earning assets | 1.4695% | 362 |
| Net interest margin | 2.3086% | 5,252 |
| Noninterest income to average assets | 0.2420% | 4,273 |
| Noninterest expense to average assets | 2.0902% | 4,474 |
| Loan and lease loss provision to assets | 0.0643% | 2,378 |
| Net operating income to assets | 0.2286% | 4,988 |
| Return on assets (ROA) | 0.2286% | 4,994 |
| Pretax return on assets | 0.2561% | 4,993 |
| Return on Equity (ROE) | 2.1795% | 4,941 |
| Retained earnings to average equity (ytd only) | 2.1795% | 4,020 |
| Net charge-offs to loans | 0.0351% | 1,765 |
| Credit loss provision to net charge-offs | 218.6667% | 993 |
| Earnings coverage of net charge-offs (x) | 10.8933% | 1,940 |
| Efficiency ratio | 86.1396% | 573 |
| Assets per employee ($millions) | 9.8410% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5161% | 5,063 |
| Loan loss allowance to noncurrent loans | 128.2831% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 2,892 |
| Noncurrent loans to loans | 0.4023% | 3,146 |
| Net loans and leases to total assets | 82.6044% | 515 |
| Net loans and leases to deposits | 108.2166% | 265 |
| Net loans and leases to core deposits | 135.9392% | 235 |
| Total domestic deposits to total assets | 76.3325% | 4,726 |
| Equity capital to assets | 10.4822% | 3,360 |
| Core capital (leverage) ratio | 10.0347% | 3,568 |
| Tier 1 risk-based capital ratio | 16.7508% | 2,189 |
| Total risk-based capital ratio | 17.4740% | 2,305 |
| Memoranda: | ||
| Average total assets | $1,019,994,500 | 769 |
| Average earning assets | $958,159,000 | 754 |
| Average equity | $106,995,500 | 830 |
| Average total loans | $853,615,000 | 684 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6661% | 4,715 |
| Cost of funding earning assets | 1.1372% | 437 |
| Net interest margin | 2.5289% | 5,204 |
| Noninterest income to average assets | 0.0845% | 5,196 |
| Noninterest expense to average assets | 2.1473% | 4,454 |
| Loan and lease loss provision to assets | 0.0252% | 3,668 |
| Net operating income to assets | 0.2065% | 5,104 |
| Return on assets (ROA) | 0.2065% | 5,101 |
| Pretax return on assets | 0.2873% | 5,057 |
| Return on Equity (ROE) | 1.9316% | 5,052 |
| Retained earnings to average equity (ytd only) | 1.9316% | 4,375 |
| Net charge-offs to loans | 0.0109% | 3,315 |
| Credit loss provision to net charge-offs | 277.7778% | 1,092 |
| Earnings coverage of net charge-offs (x) | 34.4000% | 1,465 |
| Efficiency ratio | 86.6330% | 493 |
| Assets per employee ($millions) | 9.5899% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5012% | 5,121 |
| Loan loss allowance to noncurrent loans | 97.9262% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 2,500 |
| Noncurrent loans to loans | 0.5118% | 2,747 |
| Net loans and leases to total assets | 83.9252% | 421 |
| Net loans and leases to deposits | 111.6536% | 215 |
| Net loans and leases to core deposits | 139.8389% | 201 |
| Total domestic deposits to total assets | 75.1656% | 4,852 |
| Equity capital to assets | 10.4975% | 3,193 |
| Core capital (leverage) ratio | 10.0929% | 3,469 |
| Tier 1 risk-based capital ratio | 16.6144% | 2,200 |
| Total risk-based capital ratio | 17.3214% | 2,323 |
| Memoranda: | ||
| Average total assets | $990,550,600 | 775 |
| Average earning assets | $930,386,800 | 759 |
| Average equity | $105,871,200 | 810 |
| Average total loans | $828,931,000 | 674 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6348% | 4,745 |
| Cost of funding earning assets | 1.0715% | 448 |
| Net interest margin | 2.5633% | 5,241 |
| Noninterest income to average assets | 0.1313% | 5,104 |
| Noninterest expense to average assets | 2.1712% | 4,386 |
| Loan and lease loss provision to assets | 0.0160% | 3,694 |
| Net operating income to assets | 0.2526% | 5,150 |
| Return on assets (ROA) | 0.2526% | 5,144 |
| Pretax return on assets | 0.3516% | 5,088 |
| Return on Equity (ROE) | 2.3521% | 5,092 |
| Retained earnings to average equity (ytd only) | 2.3521% | 4,454 |
| Net charge-offs to loans | -0.0032% | 4,148 |
| Credit loss provision to net charge-offs | -590.0000% | 4,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8543% | 587 |
| Assets per employee ($millions) | 9.2108% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5117% | 5,176 |
| Loan loss allowance to noncurrent loans | 94.0180% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 2,862 |
| Noncurrent loans to loans | 0.5442% | 2,749 |
| Net loans and leases to total assets | 83.5580% | 506 |
| Net loans and leases to deposits | 110.8966% | 267 |
| Net loans and leases to core deposits | 130.1906% | 325 |
| Total domestic deposits to total assets | 75.3476% | 4,852 |
| Equity capital to assets | 10.7075% | 2,927 |
| Core capital (leverage) ratio | 10.2565% | 3,345 |
| Tier 1 risk-based capital ratio | 17.0305% | 2,101 |
| Total risk-based capital ratio | 17.7521% | 2,211 |
| Memoranda: | ||
| Average total assets | $984,056,500 | 778 |
| Average earning assets | $924,265,750 | 758 |
| Average equity | $105,661,500 | 808 |
| Average total loans | $821,809,000 | 675 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6007% | 4,767 |
| Cost of funding earning assets | 1.0140% | 442 |
| Net interest margin | 2.5867% | 5,286 |
| Noninterest income to average assets | 0.1203% | 5,191 |
| Noninterest expense to average assets | 2.1793% | 4,416 |
| Loan and lease loss provision to assets | 0.0245% | 3,429 |
| Net operating income to assets | 0.2472% | 5,184 |
| Return on assets (ROA) | 0.2472% | 5,179 |
| Pretax return on assets | 0.3455% | 5,110 |
| Return on Equity (ROE) | 2.3003% | 5,137 |
| Retained earnings to average equity (ytd only) | 2.3003% | 4,356 |
| Net charge-offs to loans | -0.0049% | 4,101 |
| Credit loss provision to net charge-offs | -600.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8216% | 640 |
| Assets per employee ($millions) | 9.3185% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5171% | 5,236 |
| Loan loss allowance to noncurrent loans | 132.3329% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.3241% | 3,463 |
| Noncurrent loans to loans | 0.3908% | 3,296 |
| Net loans and leases to total assets | 82.5237% | 647 |
| Net loans and leases to deposits | 110.0876% | 274 |
| Net loans and leases to core deposits | 123.8276% | 465 |
| Total domestic deposits to total assets | 74.9619% | 4,960 |
| Equity capital to assets | 10.6184% | 3,010 |
| Core capital (leverage) ratio | 10.2305% | 3,317 |
| Tier 1 risk-based capital ratio | 16.9836% | 2,106 |
| Total risk-based capital ratio | 17.7085% | 2,214 |
| Memoranda: | ||
| Average total assets | $980,488,330 | 777 |
| Average earning assets | $920,717,000 | 763 |
| Average equity | $105,377,330 | 805 |
| Average total loans | $817,253,000 | 675 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6091% | 4,684 |
| Cost of funding earning assets | 0.9390% | 488 |
| Net interest margin | 2.6702% | 5,274 |
| Noninterest income to average assets | 0.0996% | 5,331 |
| Noninterest expense to average assets | 2.2111% | 4,391 |
| Loan and lease loss provision to assets | 0.0506% | 2,764 |
| Net operating income to assets | 0.2152% | 5,225 |
| Return on assets (ROA) | 0.2152% | 5,224 |
| Pretax return on assets | 0.3452% | 5,108 |
| Return on Equity (ROE) | 1.9899% | 5,181 |
| Retained earnings to average equity (ytd only) | 1.9899% | 4,351 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1540% | 787 |
| Assets per employee ($millions) | 9.1619% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5176% | 5,308 |
| Loan loss allowance to noncurrent loans | 94.6877% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 2,887 |
| Noncurrent loans to loans | 0.5467% | 2,885 |
| Net loans and leases to total assets | 83.5157% | 489 |
| Net loans and leases to deposits | 108.9326% | 289 |
| Net loans and leases to core deposits | 118.7968% | 621 |
| Total domestic deposits to total assets | 76.6673% | 4,902 |
| Equity capital to assets | 10.7513% | 2,822 |
| Core capital (leverage) ratio | 10.3150% | 3,172 |
| Tier 1 risk-based capital ratio | 16.9370% | 2,133 |
| Total risk-based capital ratio | 17.6623% | 2,256 |
| Memoranda: | ||
| Average total assets | $972,190,500 | 786 |
| Average earning assets | $912,903,000 | 765 |
| Average equity | $105,129,000 | 809 |
| Average total loans | $812,325,500 | 678 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6120% | 4,547 |
| Cost of funding earning assets | 0.8224% | 550 |
| Net interest margin | 2.7896% | 5,177 |
| Noninterest income to average assets | 0.1681% | 5,117 |
| Noninterest expense to average assets | 2.2204% | 4,488 |
| Loan and lease loss provision to assets | 0.0316% | 3,637 |
| Net operating income to assets | 0.2855% | 4,956 |
| Return on assets (ROA) | 0.2855% | 4,972 |
| Pretax return on assets | 0.5325% | 4,878 |
| Return on Equity (ROE) | 2.5712% | 4,928 |
| Retained earnings to average equity (ytd only) | 2.5712% | 3,782 |
| Net charge-offs to loans | 0.0127% | 3,638 |
| Credit loss provision to net charge-offs | 297.9798% | 955 |
| Earnings coverage of net charge-offs (x) | 53.1818% | 1,047 |
| Efficiency ratio | 79.0150% | 1,220 |
| Assets per employee ($millions) | 8.8446% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5160% | 5,367 |
| Loan loss allowance to noncurrent loans | 92.3438% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 2,887 |
| Noncurrent loans to loans | 0.5588% | 2,823 |
| Net loans and leases to total assets | 82.7264% | 594 |
| Net loans and leases to deposits | 105.3866% | 428 |
| Net loans and leases to core deposits | 114.4200% | 780 |
| Total domestic deposits to total assets | 78.4981% | 4,641 |
| Equity capital to assets | 10.8770% | 2,755 |
| Core capital (leverage) ratio | 10.4715% | 2,872 |
| Tier 1 risk-based capital ratio | 17.3903% | 1,972 |
| Total risk-based capital ratio | 18.1170% | 2,081 |
| Memoranda: | ||
| Average total assets | $933,391,800 | 798 |
| Average earning assets | $875,445,800 | 773 |
| Average equity | $103,647,000 | 796 |
| Average total loans | $778,986,200 | 676 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5962% | 4,572 |
| Cost of funding earning assets | 0.8021% | 574 |
| Net interest margin | 2.7941% | 5,227 |
| Noninterest income to average assets | 0.1675% | 5,179 |
| Noninterest expense to average assets | 2.1783% | 4,569 |
| Loan and lease loss provision to assets | 0.0225% | 3,695 |
| Net operating income to assets | 0.3795% | 5,043 |
| Return on assets (ROA) | 0.3795% | 5,069 |
| Pretax return on assets | 0.5866% | 4,870 |
| Return on Equity (ROE) | 3.3996% | 5,010 |
| Retained earnings to average equity (ytd only) | 3.3996% | 3,902 |
| Net charge-offs to loans | 0.0002% | 3,794 |
| Credit loss provision to net charge-offs | 15,600.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 4,239.4962% | 11 |
| Efficiency ratio | 77.3989% | 1,408 |
| Assets per employee ($millions) | 8.7171% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5162% | 5,439 |
| Loan loss allowance to noncurrent loans | 83.9688% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 2,983 |
| Noncurrent loans to loans | 0.6147% | 2,872 |
| Net loans and leases to total assets | 83.8570% | 445 |
| Net loans and leases to deposits | 107.9942% | 341 |
| Net loans and leases to core deposits | 116.4737% | 734 |
| Total domestic deposits to total assets | 77.6495% | 4,776 |
| Equity capital to assets | 11.1374% | 2,727 |
| Core capital (leverage) ratio | 10.5516% | 2,929 |
| Tier 1 risk-based capital ratio | 17.8520% | 1,895 |
| Total risk-based capital ratio | 18.5911% | 2,002 |
| Memoranda: | ||
| Average total assets | $925,724,000 | 810 |
| Average earning assets | $867,997,500 | 786 |
| Average equity | $103,343,500 | 797 |
| Average total loans | $773,314,750 | 679 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5743% | 4,576 |
| Cost of funding earning assets | 0.7766% | 592 |
| Net interest margin | 2.7977% | 5,249 |
| Noninterest income to average assets | 0.1695% | 5,205 |
| Noninterest expense to average assets | 2.1875% | 4,581 |
| Loan and lease loss provision to assets | 0.0272% | 3,455 |
| Net operating income to assets | 0.3731% | 5,040 |
| Return on assets (ROA) | 0.3731% | 5,064 |
| Pretax return on assets | 0.5756% | 4,850 |
| Return on Equity (ROE) | 3.3392% | 5,027 |
| Retained earnings to average equity (ytd only) | 3.3392% | 3,729 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6437% | 1,513 |
| Assets per employee ($millions) | 9.0289% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5169% | 5,498 |
| Loan loss allowance to noncurrent loans | 99.7057% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 3,376 |
| Noncurrent loans to loans | 0.5184% | 3,200 |
| Net loans and leases to total assets | 83.3370% | 508 |
| Net loans and leases to deposits | 107.1315% | 350 |
| Net loans and leases to core deposits | 115.2120% | 745 |
| Total domestic deposits to total assets | 77.7895% | 4,848 |
| Equity capital to assets | 11.0704% | 2,733 |
| Core capital (leverage) ratio | 10.5762% | 2,839 |
| Tier 1 risk-based capital ratio | 17.8117% | 1,916 |
| Total risk-based capital ratio | 18.5507% | 2,019 |
| Memoranda: | ||
| Average total assets | $920,483,000 | 815 |
| Average earning assets | $862,265,000 | 797 |
| Average equity | $102,840,330 | 803 |
| Average total loans | $766,564,670 | 690 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5659% | 4,508 |
| Cost of funding earning assets | 0.7624% | 609 |
| Net interest margin | 2.8035% | 5,232 |
| Noninterest income to average assets | 0.1813% | 5,185 |
| Noninterest expense to average assets | 2.1971% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3955% | 4,955 |
| Return on assets (ROA) | 0.3955% | 4,981 |
| Pretax return on assets | 0.6089% | 4,709 |
| Return on Equity (ROE) | 3.5235% | 4,952 |
| Retained earnings to average equity (ytd only) | 3.5235% | 3,680 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5344% | 1,695 |
| Assets per employee ($millions) | 8.5367% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5133% | 5,586 |
| Loan loss allowance to noncurrent loans | 96.6405% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 3,197 |
| Noncurrent loans to loans | 0.5312% | 3,219 |
| Net loans and leases to total assets | 82.8470% | 478 |
| Net loans and leases to deposits | 106.0773% | 319 |
| Net loans and leases to core deposits | 113.4145% | 707 |
| Total domestic deposits to total assets | 78.1006% | 4,955 |
| Equity capital to assets | 11.1421% | 2,489 |
| Core capital (leverage) ratio | 10.7891% | 2,608 |
| Tier 1 risk-based capital ratio | 17.9295% | 1,900 |
| Total risk-based capital ratio | 18.6567% | 2,010 |
| Memoranda: | ||
| Average total assets | $911,219,500 | 828 |
| Average earning assets | $853,089,500 | 818 |
| Average equity | $102,284,500 | 800 |
| Average total loans | $756,542,500 | 701 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6189% | 4,466 |
| Cost of funding earning assets | 0.8035% | 496 |
| Net interest margin | 2.8154% | 5,269 |
| Noninterest income to average assets | 0.1284% | 5,542 |
| Noninterest expense to average assets | 2.2878% | 4,587 |
| Loan and lease loss provision to assets | 0.0117% | 4,145 |
| Net operating income to assets | 0.3258% | 5,156 |
| Return on assets (ROA) | 0.3258% | 5,229 |
| Pretax return on assets | 0.4666% | 5,093 |
| Return on Equity (ROE) | 2.9228% | 5,181 |
| Retained earnings to average equity (ytd only) | 2.9228% | 3,824 |
| Net charge-offs to loans | 0.0091% | 3,955 |
| Credit loss provision to net charge-offs | 154.4118% | 1,776 |
| Earnings coverage of net charge-offs (x) | 63.3824% | 855 |
| Efficiency ratio | 81.8397% | 1,220 |
| Assets per employee ($millions) | 8.5760% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5195% | 5,642 |
| Loan loss allowance to noncurrent loans | 73.3472% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 0.6444% | 2,795 |
| Noncurrent loans to loans | 0.7083% | 2,764 |
| Net loans and leases to total assets | 82.3402% | 559 |
| Net loans and leases to deposits | 102.8308% | 479 |
| Net loans and leases to core deposits | 109.9522% | 900 |
| Total domestic deposits to total assets | 80.0735% | 4,560 |
| Equity capital to assets | 11.3099% | 2,320 |
| Core capital (leverage) ratio | 10.7426% | 2,606 |
| Tier 1 risk-based capital ratio | 18.2836% | 1,780 |
| Total risk-based capital ratio | 19.0185% | 1,875 |
| Memoranda: | ||
| Average total assets | $901,219,000 | 803 |
| Average earning assets | $844,328,400 | 779 |
| Average equity | $100,450,200 | 785 |
| Average total loans | $743,268,400 | 671 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6052% | 4,539 |
| Cost of funding earning assets | 0.8103% | 477 |
| Net interest margin | 2.7949% | 5,366 |
| Noninterest income to average assets | 0.1427% | 5,545 |
| Noninterest expense to average assets | 2.2518% | 4,645 |
| Loan and lease loss provision to assets | 0.0155% | 3,934 |
| Net operating income to assets | 0.3488% | 5,168 |
| Return on assets (ROA) | 0.3488% | 5,250 |
| Pretax return on assets | 0.4946% | 5,137 |
| Return on Equity (ROE) | 3.1407% | 5,183 |
| Retained earnings to average equity (ytd only) | 3.1407% | 4,032 |
| Net charge-offs to loans | -0.0002% | 4,407 |
| Credit loss provision to net charge-offs | -10,500.0000% | 5,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6405% | 1,350 |
| Assets per employee ($millions) | 8.5969% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5227% | 5,712 |
| Loan loss allowance to noncurrent loans | 77.6093% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.5572% | 3,235 |
| Noncurrent loans to loans | 0.6735% | 3,006 |
| Net loans and leases to total assets | 82.3100% | 575 |
| Net loans and leases to deposits | 102.1188% | 560 |
| Net loans and leases to core deposits | 109.6887% | 940 |
| Total domestic deposits to total assets | 80.6021% | 4,355 |
| Equity capital to assets | 11.1188% | 2,896 |
| Core capital (leverage) ratio | 10.6595% | 2,823 |
| Tier 1 risk-based capital ratio | 18.0725% | 1,897 |
| Total risk-based capital ratio | 18.8165% | 2,016 |
| Memoranda: | ||
| Average total assets | $901,404,000 | 798 |
| Average earning assets | $844,758,000 | 778 |
| Average equity | $100,102,000 | 792 |
| Average total loans | $742,753,500 | 674 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6195% | 4,533 |
| Cost of funding earning assets | 0.8134% | 456 |
| Net interest margin | 2.8060% | 5,417 |
| Noninterest income to average assets | 0.1403% | 5,611 |
| Noninterest expense to average assets | 2.2639% | 4,699 |
| Loan and lease loss provision to assets | 0.0236% | 3,660 |
| Net operating income to assets | 0.3532% | 5,171 |
| Return on assets (ROA) | 0.3532% | 5,258 |
| Pretax return on assets | 0.4817% | 5,169 |
| Return on Equity (ROE) | 3.1817% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.1817% | 3,876 |
| Net charge-offs to loans | -0.0003% | 4,295 |
| Credit loss provision to net charge-offs | -10,600.0000% | 5,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8605% | 1,397 |
| Assets per employee ($millions) | 8.6389% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5250% | 5,773 |
| Loan loss allowance to noncurrent loans | 85.7516% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 3,534 |
| Noncurrent loans to loans | 0.6123% | 3,235 |
| Net loans and leases to total assets | 81.5609% | 676 |
| Net loans and leases to deposits | 102.8200% | 518 |
| Net loans and leases to core deposits | 110.1899% | 926 |
| Total domestic deposits to total assets | 79.3240% | 4,712 |
| Equity capital to assets | 10.9819% | 3,077 |
| Core capital (leverage) ratio | 10.5435% | 2,919 |
| Tier 1 risk-based capital ratio | 17.9771% | 1,937 |
| Total risk-based capital ratio | 18.7301% | 2,034 |
| Memoranda: | ||
| Average total assets | $898,115,000 | 804 |
| Average earning assets | $841,398,330 | 784 |
| Average equity | $99,695,330 | 796 |
| Average total loans | $739,002,000 | 675 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6478% | 4,479 |
| Cost of funding earning assets | 0.8034% | 488 |
| Net interest margin | 2.8444% | 5,405 |
| Noninterest income to average assets | 0.1237% | 5,723 |
| Noninterest expense to average assets | 2.3137% | 4,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3864% | 5,035 |
| Return on assets (ROA) | 0.3864% | 5,111 |
| Pretax return on assets | 0.4741% | 5,153 |
| Return on Equity (ROE) | 3.4616% | 5,081 |
| Retained earnings to average equity (ytd only) | 3.4616% | 3,769 |
| Net charge-offs to loans | -0.0005% | 4,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1071% | 1,362 |
| Assets per employee ($millions) | 8.4513% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5188% | 5,845 |
| Loan loss allowance to noncurrent loans | 73.0806% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5859% | 3,303 |
| Noncurrent loans to loans | 0.7099% | 3,073 |
| Net loans and leases to total assets | 82.1121% | 545 |
| Net loans and leases to deposits | 103.1940% | 451 |
| Net loans and leases to core deposits | 110.9962% | 808 |
| Total domestic deposits to total assets | 79.5706% | 4,843 |
| Equity capital to assets | 11.1481% | 2,773 |
| Core capital (leverage) ratio | 10.7094% | 2,714 |
| Tier 1 risk-based capital ratio | 18.3756% | 1,888 |
| Total risk-based capital ratio | 19.1239% | 1,984 |
| Memoranda: | ||
| Average total assets | $889,308,500 | 819 |
| Average earning assets | $832,940,000 | 797 |
| Average equity | $99,261,000 | 798 |
| Average total loans | $733,094,000 | 680 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7904% | 4,073 |
| Cost of funding earning assets | 0.7703% | 578 |
| Net interest margin | 3.0201% | 5,086 |
| Noninterest income to average assets | 0.1278% | 5,770 |
| Noninterest expense to average assets | 2.3465% | 4,662 |
| Loan and lease loss provision to assets | 0.0421% | 3,493 |
| Net operating income to assets | 0.3674% | 5,152 |
| Return on assets (ROA) | 0.3674% | 5,236 |
| Pretax return on assets | 0.5629% | 4,949 |
| Return on Equity (ROE) | 3.2775% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.2775% | 3,721 |
| Net charge-offs to loans | 0.0257% | 3,721 |
| Credit loss provision to net charge-offs | 200.5495% | 1,387 |
| Earnings coverage of net charge-offs (x) | 28.8187% | 1,494 |
| Efficiency ratio | 78.5430% | 1,879 |
| Assets per employee ($millions) | 8.4074% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5277% | 5,900 |
| Loan loss allowance to noncurrent loans | 60.4890% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 2,903 |
| Noncurrent loans to loans | 0.8724% | 2,606 |
| Net loans and leases to total assets | 81.8920% | 607 |
| Net loans and leases to deposits | 102.0225% | 540 |
| Net loans and leases to core deposits | 109.6737% | 869 |
| Total domestic deposits to total assets | 80.2686% | 4,675 |
| Equity capital to assets | 11.1753% | 2,653 |
| Core capital (leverage) ratio | 10.6471% | 2,774 |
| Tier 1 risk-based capital ratio | 18.5653% | 1,815 |
| Total risk-based capital ratio | 19.3274% | 1,899 |
| Memoranda: | ||
| Average total assets | $866,866,200 | 792 |
| Average earning assets | $810,493,600 | 773 |
| Average equity | $97,177,800 | 789 |
| Average total loans | $708,024,800 | 655 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7629% | 4,209 |
| Cost of funding earning assets | 0.7585% | 623 |
| Net interest margin | 3.0044% | 5,181 |
| Noninterest income to average assets | 0.1045% | 5,947 |
| Noninterest expense to average assets | 2.3406% | 4,675 |
| Loan and lease loss provision to assets | 0.0453% | 3,302 |
| Net operating income to assets | 0.3457% | 5,326 |
| Return on assets (ROA) | 0.3457% | 5,415 |
| Pretax return on assets | 0.5264% | 5,159 |
| Return on Equity (ROE) | 3.0809% | 5,359 |
| Retained earnings to average equity (ytd only) | 3.0809% | 4,258 |
| Net charge-offs to loans | 0.0140% | 3,685 |
| Credit loss provision to net charge-offs | 395.9459% | 770 |
| Earnings coverage of net charge-offs (x) | 50.0021% | 1,055 |
| Efficiency ratio | 79.3771% | 1,745 |
| Assets per employee ($millions) | 8.2743% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5338% | 5,984 |
| Loan loss allowance to noncurrent loans | 64.0152% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 0.6830% | 3,203 |
| Noncurrent loans to loans | 0.8338% | 2,887 |
| Net loans and leases to total assets | 81.4765% | 643 |
| Net loans and leases to deposits | 106.2643% | 354 |
| Net loans and leases to core deposits | 112.9100% | 715 |
| Total domestic deposits to total assets | 76.6734% | 5,395 |
| Equity capital to assets | 11.0424% | 2,972 |
| Core capital (leverage) ratio | 10.7925% | 2,725 |
| Tier 1 risk-based capital ratio | 18.1510% | 1,992 |
| Total risk-based capital ratio | 18.9109% | 2,097 |
| Memoranda: | ||
| Average total assets | $862,888,750 | 804 |
| Average earning assets | $806,445,500 | 780 |
| Average equity | $96,809,000 | 794 |
| Average total loans | $703,341,500 | 662 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7921% | 4,093 |
| Cost of funding earning assets | 0.7516% | 638 |
| Net interest margin | 3.0405% | 5,113 |
| Noninterest income to average assets | 0.1660% | 5,703 |
| Noninterest expense to average assets | 2.3477% | 4,722 |
| Loan and lease loss provision to assets | 0.0685% | 2,744 |
| Net operating income to assets | 0.3870% | 5,176 |
| Return on assets (ROA) | 0.3870% | 5,285 |
| Pretax return on assets | 0.5901% | 5,003 |
| Return on Equity (ROE) | 3.4304% | 5,262 |
| Retained earnings to average equity (ytd only) | 3.4304% | 3,862 |
| Net charge-offs to loans | 0.0207% | 3,265 |
| Credit loss provision to net charge-offs | 406.9444% | 737 |
| Earnings coverage of net charge-offs (x) | 39.1250% | 1,146 |
| Efficiency ratio | 77.1193% | 2,184 |
| Assets per employee ($millions) | 8.2473% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5535% | 6,042 |
| Loan loss allowance to noncurrent loans | 60.8197% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 0.7424% | 3,155 |
| Noncurrent loans to loans | 0.9101% | 2,849 |
| Net loans and leases to total assets | 81.1274% | 650 |
| Net loans and leases to deposits | 100.8535% | 601 |
| Net loans and leases to core deposits | 106.5516% | 1,044 |
| Total domestic deposits to total assets | 80.4408% | 4,767 |
| Equity capital to assets | 11.3339% | 2,539 |
| Core capital (leverage) ratio | 10.8580% | 2,560 |
| Tier 1 risk-based capital ratio | 18.7286% | 1,866 |
| Total risk-based capital ratio | 19.5183% | 1,957 |
| Memoranda: | ||
| Average total assets | $855,400,000 | 812 |
| Average earning assets | $799,078,000 | 791 |
| Average equity | $96,490,670 | 803 |
| Average total loans | $696,046,330 | 669 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8362% | 3,868 |
| Cost of funding earning assets | 0.7394% | 699 |
| Net interest margin | 3.0969% | 4,966 |
| Noninterest income to average assets | 0.1775% | 5,651 |
| Noninterest expense to average assets | 2.3576% | 4,713 |
| Loan and lease loss provision to assets | 0.1372% | 1,502 |
| Net operating income to assets | 0.3737% | 5,174 |
| Return on assets (ROA) | 0.3737% | 5,294 |
| Pretax return on assets | 0.5736% | 4,986 |
| Return on Equity (ROE) | 3.3205% | 5,240 |
| Retained earnings to average equity (ytd only) | 3.3205% | 3,988 |
| Net charge-offs to loans | 0.0369% | 2,471 |
| Credit loss provision to net charge-offs | 457.8125% | 588 |
| Earnings coverage of net charge-offs (x) | 23.7188% | 1,318 |
| Efficiency ratio | 75.8889% | 2,534 |
| Assets per employee ($millions) | 8.5279% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5569% | 6,111 |
| Loan loss allowance to noncurrent loans | 58.5017% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 0.7702% | 3,185 |
| Noncurrent loans to loans | 0.9520% | 2,873 |
| Net loans and leases to total assets | 80.4524% | 638 |
| Net loans and leases to deposits | 100.4699% | 539 |
| Net loans and leases to core deposits | 105.9795% | 938 |
| Total domestic deposits to total assets | 80.0761% | 5,036 |
| Equity capital to assets | 11.1927% | 2,760 |
| Core capital (leverage) ratio | 10.7433% | 2,699 |
| Tier 1 risk-based capital ratio | 18.4350% | 2,022 |
| Total risk-based capital ratio | 19.2229% | 2,099 |
| Memoranda: | ||
| Average total assets | $854,241,000 | 820 |
| Average earning assets | $797,447,000 | 795 |
| Average equity | $96,129,500 | 806 |
| Average total loans | $694,211,000 | 670 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 4,062 |
| Cost of funding earning assets | 0.7773% | 732 |
| Net interest margin | 3.1401% | 5,096 |
| Noninterest income to average assets | 0.2538% | 5,315 |
| Noninterest expense to average assets | 2.3284% | 5,030 |
| Loan and lease loss provision to assets | 0.0963% | 2,544 |
| Net operating income to assets | 0.5449% | 4,615 |
| Return on assets (ROA) | 0.5449% | 4,703 |
| Pretax return on assets | 0.7588% | 4,407 |
| Return on Equity (ROE) | 4.9566% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.9566% | 2,627 |
| Net charge-offs to loans | 0.0251% | 4,329 |
| Credit loss provision to net charge-offs | 483.4320% | 540 |
| Earnings coverage of net charge-offs (x) | 42.9290% | 1,024 |
| Efficiency ratio | 72.0881% | 3,194 |
| Assets per employee ($millions) | 8.0682% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5281% | 6,224 |
| Loan loss allowance to noncurrent loans | 48.4993% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 0.8888% | 2,983 |
| Noncurrent loans to loans | 1.0888% | 2,647 |
| Net loans and leases to total assets | 81.2048% | 607 |
| Net loans and leases to deposits | 102.6499% | 486 |
| Net loans and leases to core deposits | 107.7288% | 909 |
| Total domestic deposits to total assets | 79.1085% | 5,232 |
| Equity capital to assets | 11.3147% | 2,592 |
| Core capital (leverage) ratio | 10.7308% | 2,693 |
| Tier 1 risk-based capital ratio | 17.8345% | 2,189 |
| Total risk-based capital ratio | 18.5641% | 2,338 |
| Memoranda: | ||
| Average total assets | $848,423,000 | 793 |
| Average earning assets | $791,604,800 | 767 |
| Average equity | $93,270,400 | 795 |
| Average total loans | $672,770,000 | 646 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9205% | 4,096 |
| Cost of funding earning assets | 0.7874% | 736 |
| Net interest margin | 3.1331% | 5,165 |
| Noninterest income to average assets | 0.1522% | 6,007 |
| Noninterest expense to average assets | 2.2739% | 5,170 |
| Loan and lease loss provision to assets | 0.0908% | 2,540 |
| Net operating income to assets | 0.4592% | 5,035 |
| Return on assets (ROA) | 0.4592% | 5,114 |
| Pretax return on assets | 0.7110% | 4,666 |
| Return on Equity (ROE) | 4.2076% | 5,079 |
| Retained earnings to average equity (ytd only) | 4.2076% | 3,655 |
| Net charge-offs to loans | 0.0325% | 3,836 |
| Credit loss provision to net charge-offs | 354.6012% | 796 |
| Earnings coverage of net charge-offs (x) | 31.3126% | 1,331 |
| Efficiency ratio | 72.8178% | 3,035 |
| Assets per employee ($millions) | 8.1663% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5023% | 6,338 |
| Loan loss allowance to noncurrent loans | 48.9618% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 0.8302% | 3,343 |
| Noncurrent loans to loans | 1.0259% | 3,020 |
| Net loans and leases to total assets | 80.5179% | 658 |
| Net loans and leases to deposits | 99.4856% | 640 |
| Net loans and leases to core deposits | 104.4014% | 1,078 |
| Total domestic deposits to total assets | 80.9342% | 4,840 |
| Equity capital to assets | 11.1944% | 2,765 |
| Core capital (leverage) ratio | 10.4106% | 3,145 |
| Tier 1 risk-based capital ratio | 16.5056% | 2,814 |
| Total risk-based capital ratio | 17.1517% | 3,050 |
| Memoranda: | ||
| Average total assets | $848,737,750 | 797 |
| Average earning assets | $791,948,750 | 772 |
| Average equity | $92,624,500 | 798 |
| Average total loans | $668,065,000 | 649 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9129% | 4,089 |
| Cost of funding earning assets | 0.7917% | 747 |
| Net interest margin | 3.1213% | 5,189 |
| Noninterest income to average assets | 0.1694% | 5,941 |
| Noninterest expense to average assets | 2.2385% | 5,314 |
| Loan and lease loss provision to assets | 0.0909% | 2,506 |
| Net operating income to assets | 0.4821% | 4,883 |
| Return on assets (ROA) | 0.4821% | 4,951 |
| Pretax return on assets | 0.7513% | 4,452 |
| Return on Equity (ROE) | 4.4554% | 4,940 |
| Retained earnings to average equity (ytd only) | 4.4554% | 3,336 |
| Net charge-offs to loans | 0.0488% | 3,273 |
| Credit loss provision to net charge-offs | 238.8889% | 1,023 |
| Earnings coverage of net charge-offs (x) | 22.1296% | 1,514 |
| Efficiency ratio | 71.5549% | 3,422 |
| Assets per employee ($millions) | 8.3901% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4784% | 6,436 |
| Loan loss allowance to noncurrent loans | 43.2205% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 0.8730% | 3,359 |
| Noncurrent loans to loans | 1.1068% | 3,009 |
| Net loans and leases to total assets | 78.4971% | 846 |
| Net loans and leases to deposits | 96.9876% | 738 |
| Net loans and leases to core deposits | 101.6475% | 1,161 |
| Total domestic deposits to total assets | 80.9352% | 5,002 |
| Equity capital to assets | 10.9025% | 2,976 |
| Core capital (leverage) ratio | 10.1883% | 3,363 |
| Tier 1 risk-based capital ratio | 15.7903% | 3,197 |
| Total risk-based capital ratio | 16.3814% | 3,512 |
| Memoranda: | ||
| Average total assets | $851,275,000 | 792 |
| Average earning assets | $794,031,330 | 772 |
| Average equity | $92,113,000 | 793 |
| Average total loans | $663,861,330 | 644 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0088% | 3,646 |
| Cost of funding earning assets | 0.7887% | 790 |
| Net interest margin | 3.2201% | 4,860 |
| Noninterest income to average assets | 0.1541% | 6,050 |
| Noninterest expense to average assets | 2.2822% | 5,242 |
| Loan and lease loss provision to assets | -0.0009% | 6,359 |
| Net operating income to assets | 0.5597% | 4,412 |
| Return on assets (ROA) | 0.5597% | 4,492 |
| Pretax return on assets | 0.8773% | 3,800 |
| Return on Equity (ROE) | 5.1924% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.1924% | 2,999 |
| Net charge-offs to loans | 0.0085% | 3,455 |
| Credit loss provision to net charge-offs | -14.2857% | 4,686 |
| Earnings coverage of net charge-offs (x) | 132.8571% | 371 |
| Efficiency ratio | 71.1665% | 3,630 |
| Assets per employee ($millions) | 8.2735% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4519% | 6,536 |
| Loan loss allowance to noncurrent loans | 82.6785% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 4,749 |
| Noncurrent loans to loans | 0.5466% | 4,529 |
| Net loans and leases to total assets | 77.2410% | 854 |
| Net loans and leases to deposits | 96.1531% | 648 |
| Net loans and leases to core deposits | 101.1199% | 1,029 |
| Total domestic deposits to total assets | 80.3312% | 5,418 |
| Equity capital to assets | 10.8090% | 2,929 |
| Core capital (leverage) ratio | 10.1285% | 3,392 |
| Tier 1 risk-based capital ratio | 15.7497% | 3,300 |
| Total risk-based capital ratio | 16.3020% | 3,634 |
| Memoranda: | ||
| Average total assets | $849,016,000 | 798 |
| Average earning assets | $792,147,500 | 781 |
| Average equity | $91,518,000 | 799 |
| Average total loans | $658,291,000 | 651 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7075% | 5,111 |
| Cost of funding earning assets | 0.8835% | 804 |
| Net interest margin | 2.8240% | 5,942 |
| Noninterest income to average assets | 0.1871% | 5,968 |
| Noninterest expense to average assets | 2.2376% | 5,535 |
| Loan and lease loss provision to assets | 0.0885% | 3,340 |
| Net operating income to assets | 0.3132% | 5,476 |
| Return on assets (ROA) | 0.3132% | 5,572 |
| Pretax return on assets | 0.5110% | 5,174 |
| Return on Equity (ROE) | 2.5336% | 5,664 |
| Retained earnings to average equity (ytd only) | 2.5336% | 4,449 |
| Net charge-offs to loans | 0.0576% | 4,419 |
| Credit loss provision to net charge-offs | 209.4156% | 1,099 |
| Earnings coverage of net charge-offs (x) | 14.1818% | 1,962 |
| Efficiency ratio | 78.6996% | 2,361 |
| Assets per employee ($millions) | 8.3749% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4584% | 6,600 |
| Loan loss allowance to noncurrent loans | 79.0318% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4892% | 4,770 |
| Noncurrent loans to loans | 0.5800% | 4,534 |
| Net loans and leases to total assets | 77.1243% | 934 |
| Net loans and leases to deposits | 96.2368% | 713 |
| Net loans and leases to core deposits | 101.2543% | 1,074 |
| Total domestic deposits to total assets | 80.1402% | 5,416 |
| Equity capital to assets | 10.7494% | 2,880 |
| Core capital (leverage) ratio | 9.9113% | 3,685 |
| Tier 1 risk-based capital ratio | 15.6427% | 3,285 |
| Total risk-based capital ratio | 16.2013% | 3,645 |
| Memoranda: | ||
| Average total assets | $728,584,200 | 911 |
| Average earning assets | $683,722,600 | 886 |
| Average equity | $90,070,000 | 782 |
| Average total loans | $534,437,000 | 789 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6383% | 5,336 |
| Cost of funding earning assets | 0.9132% | 765 |
| Net interest margin | 2.7251% | 6,130 |
| Noninterest income to average assets | 0.1783% | 6,124 |
| Noninterest expense to average assets | 2.1132% | 5,802 |
| Loan and lease loss provision to assets | -0.0004% | 6,437 |
| Net operating income to assets | 0.4119% | 5,204 |
| Return on assets (ROA) | 0.4119% | 5,339 |
| Pretax return on assets | 0.6271% | 4,924 |
| Return on Equity (ROE) | 3.2050% | 5,529 |
| Retained earnings to average equity (ytd only) | 3.2050% | 4,394 |
| Net charge-offs to loans | 0.0571% | 4,086 |
| Credit loss provision to net charge-offs | -0.9259% | 5,572 |
| Earnings coverage of net charge-offs (x) | 15.2178% | 1,881 |
| Efficiency ratio | 77.1260% | 2,536 |
| Assets per employee ($millions) | 8.9362% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4497% | 6,690 |
| Loan loss allowance to noncurrent loans | 61.3323% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 0.6127% | 4,601 |
| Noncurrent loans to loans | 0.7333% | 4,386 |
| Net loans and leases to total assets | 75.8279% | 1,025 |
| Net loans and leases to deposits | 100.2124% | 462 |
| Net loans and leases to core deposits | 105.3606% | 797 |
| Total domestic deposits to total assets | 75.6672% | 6,204 |
| Equity capital to assets | 12.6964% | 1,480 |
| Core capital (leverage) ratio | 13.1064% | 1,163 |
| Tier 1 risk-based capital ratio | 21.7830% | 1,356 |
| Total risk-based capital ratio | 22.3654% | 1,450 |
| Memoranda: | ||
| Average total assets | $699,265,250 | 952 |
| Average earning assets | $657,327,250 | 922 |
| Average equity | $89,856,250 | 792 |
| Average total loans | $504,204,250 | 840 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6456% | 5,303 |
| Cost of funding earning assets | 0.9353% | 764 |
| Net interest margin | 2.7103% | 6,166 |
| Noninterest income to average assets | 0.2227% | 5,851 |
| Noninterest expense to average assets | 2.1402% | 5,777 |
| Loan and lease loss provision to assets | -0.0003% | 6,554 |
| Net operating income to assets | 0.4196% | 5,140 |
| Return on assets (ROA) | 0.4196% | 5,297 |
| Pretax return on assets | 0.6296% | 4,915 |
| Return on Equity (ROE) | 3.2517% | 5,518 |
| Retained earnings to average equity (ytd only) | 3.2517% | 4,234 |
| Net charge-offs to loans | -0.0073% | 5,707 |
| Credit loss provision to net charge-offs | 5.5556% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2760% | 2,581 |
| Assets per employee ($millions) | 8.5366% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5401% | 6,672 |
| Loan loss allowance to noncurrent loans | 66.8493% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 0.5807% | 4,801 |
| Noncurrent loans to loans | 0.8080% | 4,295 |
| Net loans and leases to total assets | 71.4768% | 1,653 |
| Net loans and leases to deposits | 93.7642% | 823 |
| Net loans and leases to core deposits | 98.4979% | 1,174 |
| Total domestic deposits to total assets | 76.2303% | 6,227 |
| Equity capital to assets | 13.0442% | 1,329 |
| Core capital (leverage) ratio | 13.1532% | 1,114 |
| Tier 1 risk-based capital ratio | 22.9720% | 1,140 |
| Total risk-based capital ratio | 23.6504% | 1,203 |
| Memoranda: | ||
| Average total assets | $694,055,330 | 959 |
| Average earning assets | $652,177,000 | 925 |
| Average equity | $89,553,000 | 790 |
| Average total loans | $490,759,330 | 861 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6664% | 5,264 |
| Cost of funding earning assets | 0.9531% | 774 |
| Net interest margin | 2.7132% | 6,197 |
| Noninterest income to average assets | 0.2347% | 5,778 |
| Noninterest expense to average assets | 2.0997% | 5,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4493% | 4,910 |
| Return on assets (ROA) | 0.4493% | 5,071 |
| Pretax return on assets | 0.6880% | 4,628 |
| Return on Equity (ROE) | 3.5010% | 5,337 |
| Retained earnings to average equity (ytd only) | 3.5010% | 4,142 |
| Net charge-offs to loans | 0.0008% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1,196.0000% | 14 |
| Efficiency ratio | 75.3199% | 3,040 |
| Assets per employee ($millions) | 8.5690% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5537% | 6,751 |
| Loan loss allowance to noncurrent loans | 63.3104% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 4,875 |
| Noncurrent loans to loans | 0.8745% | 4,384 |
| Net loans and leases to total assets | 68.9890% | 1,845 |
| Net loans and leases to deposits | 90.0093% | 962 |
| Net loans and leases to core deposits | 94.6172% | 1,297 |
| Total domestic deposits to total assets | 76.6465% | 6,290 |
| Equity capital to assets | 12.9019% | 1,472 |
| Core capital (leverage) ratio | 12.9742% | 1,123 |
| Tier 1 risk-based capital ratio | 23.1875% | 1,127 |
| Total risk-based capital ratio | 23.8728% | 1,198 |
| Memoranda: | ||
| Average total assets | $695,351,000 | 966 |
| Average earning assets | $654,273,000 | 928 |
| Average equity | $89,231,500 | 802 |
| Average total loans | $487,679,000 | 870 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 5,177 |
| Cost of funding earning assets | 1.1119% | 865 |
| Net interest margin | 2.9307% | 6,174 |
| Noninterest income to average assets | 0.1607% | 6,229 |
| Noninterest expense to average assets | 2.0745% | 6,178 |
| Loan and lease loss provision to assets | 0.0770% | 4,748 |
| Net operating income to assets | 0.4930% | 4,714 |
| Return on assets (ROA) | 0.4930% | 4,964 |
| Pretax return on assets | 0.7752% | 4,388 |
| Return on Equity (ROE) | 3.9744% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.9744% | 3,405 |
| Net charge-offs to loans | 0.1151% | 4,533 |
| Credit loss provision to net charge-offs | 96.0993% | 3,228 |
| Earnings coverage of net charge-offs (x) | 10.6330% | 2,124 |
| Efficiency ratio | 70.8799% | 3,643 |
| Assets per employee ($millions) | 8.6001% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5400% | 6,812 |
| Loan loss allowance to noncurrent loans | 66.5087% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 0.5756% | 5,042 |
| Noncurrent loans to loans | 0.8120% | 4,560 |
| Net loans and leases to total assets | 70.5098% | 1,740 |
| Net loans and leases to deposits | 91.5886% | 947 |
| Net loans and leases to core deposits | 96.4475% | 1,266 |
| Total domestic deposits to total assets | 76.9853% | 6,226 |
| Equity capital to assets | 12.7635% | 1,559 |
| Core capital (leverage) ratio | 12.7875% | 1,205 |
| Tier 1 risk-based capital ratio | 23.0389% | 1,112 |
| Total risk-based capital ratio | 23.7262% | 1,161 |
| Memoranda: | ||
| Average total assets | $703,654,400 | 936 |
| Average earning assets | $664,115,800 | 906 |
| Average equity | $87,283,000 | 793 |
| Average total loans | $490,103,200 | 841 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0843% | 5,247 |
| Cost of funding earning assets | 1.1401% | 899 |
| Net interest margin | 2.9442% | 6,286 |
| Noninterest income to average assets | 0.1573% | 6,364 |
| Noninterest expense to average assets | 2.0322% | 6,301 |
| Loan and lease loss provision to assets | 0.0788% | 4,650 |
| Net operating income to assets | 0.5203% | 4,758 |
| Return on assets (ROA) | 0.5203% | 5,020 |
| Pretax return on assets | 0.8269% | 4,390 |
| Return on Equity (ROE) | 4.2251% | 5,183 |
| Retained earnings to average equity (ytd only) | 4.2251% | 3,921 |
| Net charge-offs to loans | 0.1387% | 4,004 |
| Credit loss provision to net charge-offs | 81.9253% | 3,564 |
| Earnings coverage of net charge-offs (x) | 9.4145% | 2,323 |
| Efficiency ratio | 69.1714% | 3,851 |
| Assets per employee ($millions) | 8.6385% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5156% | 6,943 |
| Loan loss allowance to noncurrent loans | 68.2882% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5841% | 5,206 |
| Noncurrent loans to loans | 0.7551% | 4,907 |
| Net loans and leases to total assets | 71.6095% | 1,622 |
| Net loans and leases to deposits | 93.8234% | 803 |
| Net loans and leases to core deposits | 98.5349% | 1,225 |
| Total domestic deposits to total assets | 76.3237% | 6,339 |
| Equity capital to assets | 12.6102% | 1,816 |
| Core capital (leverage) ratio | 12.6070% | 1,360 |
| Tier 1 risk-based capital ratio | 22.4123% | 1,261 |
| Total risk-based capital ratio | 23.0686% | 1,335 |
| Memoranda: | ||
| Average total assets | $705,415,500 | 939 |
| Average earning assets | $666,237,500 | 912 |
| Average equity | $86,875,750 | 800 |
| Average total loans | $489,167,750 | 847 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1037% | 5,306 |
| Cost of funding earning assets | 1.1632% | 969 |
| Net interest margin | 2.9405% | 6,358 |
| Noninterest income to average assets | 0.1448% | 6,474 |
| Noninterest expense to average assets | 2.0280% | 6,377 |
| Loan and lease loss provision to assets | 0.0614% | 4,881 |
| Net operating income to assets | 0.5203% | 4,719 |
| Return on assets (ROA) | 0.5203% | 4,993 |
| Pretax return on assets | 0.8353% | 4,331 |
| Return on Equity (ROE) | 4.2582% | 5,149 |
| Retained earnings to average equity (ytd only) | 4.2582% | 3,775 |
| Net charge-offs to loans | 0.1148% | 4,027 |
| Credit loss provision to net charge-offs | 78.0576% | 3,374 |
| Earnings coverage of net charge-offs (x) | 11.4065% | 1,966 |
| Efficiency ratio | 69.3416% | 3,876 |
| Assets per employee ($millions) | 8.8718% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5209% | 7,006 |
| Loan loss allowance to noncurrent loans | 89.9692% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 5,633 |
| Noncurrent loans to loans | 0.5790% | 5,356 |
| Net loans and leases to total assets | 70.7093% | 1,786 |
| Net loans and leases to deposits | 92.7780% | 865 |
| Net loans and leases to core deposits | 96.7939% | 1,373 |
| Total domestic deposits to total assets | 76.2134% | 6,431 |
| Equity capital to assets | 12.3071% | 1,929 |
| Core capital (leverage) ratio | 12.3820% | 1,403 |
| Tier 1 risk-based capital ratio | 22.6365% | 1,182 |
| Total risk-based capital ratio | 23.3143% | 1,263 |
| Memoranda: | ||
| Average total assets | $707,315,000 | 941 |
| Average earning assets | $668,660,000 | 912 |
| Average equity | $86,422,330 | 797 |
| Average total loans | $484,336,670 | 854 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 5,216 |
| Cost of funding earning assets | 1.1748% | 1,087 |
| Net interest margin | 2.9932% | 6,305 |
| Noninterest income to average assets | 0.2085% | 6,132 |
| Noninterest expense to average assets | 2.0048% | 6,449 |
| Loan and lease loss provision to assets | 0.1218% | 3,821 |
| Net operating income to assets | 0.5529% | 4,574 |
| Return on assets (ROA) | 0.5529% | 4,791 |
| Pretax return on assets | 0.9138% | 3,986 |
| Return on Equity (ROE) | 4.5417% | 5,019 |
| Retained earnings to average equity (ytd only) | 4.5417% | 3,858 |
| Net charge-offs to loans | 0.1569% | 3,150 |
| Credit loss provision to net charge-offs | 115.5914% | 2,040 |
| Earnings coverage of net charge-offs (x) | 9.8280% | 1,806 |
| Efficiency ratio | 65.9400% | 4,561 |
| Assets per employee ($millions) | 8.8682% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5653% | 7,015 |
| Loan loss allowance to noncurrent loans | 94.8691% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 5,726 |
| Noncurrent loans to loans | 0.5959% | 5,470 |
| Net loans and leases to total assets | 67.3869% | 2,217 |
| Net loans and leases to deposits | 88.2244% | 1,139 |
| Net loans and leases to core deposits | 91.9829% | 1,650 |
| Total domestic deposits to total assets | 76.3813% | 6,503 |
| Equity capital to assets | 12.1810% | 1,928 |
| Core capital (leverage) ratio | 12.2494% | 1,460 |
| Tier 1 risk-based capital ratio | 22.4875% | 1,208 |
| Total risk-based capital ratio | 23.1908% | 1,269 |
| Memoranda: | ||
| Average total assets | $706,100,500 | 940 |
| Average earning assets | $668,047,000 | 912 |
| Average equity | $85,959,000 | 802 |
| Average total loans | $474,263,500 | 869 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 5,827 |
| Cost of funding earning assets | 1.2372% | 1,804 |
| Net interest margin | 3.0405% | 6,465 |
| Noninterest income to average assets | 0.1305% | 6,505 |
| Noninterest expense to average assets | 2.0335% | 6,618 |
| Loan and lease loss provision to assets | 0.1644% | 4,575 |
| Net operating income to assets | 0.5217% | 4,335 |
| Return on assets (ROA) | 0.5217% | 4,543 |
| Pretax return on assets | 0.8246% | 3,891 |
| Return on Equity (ROE) | 4.3474% | 4,702 |
| Retained earnings to average equity (ytd only) | 4.3474% | 3,081 |
| Net charge-offs to loans | 0.1598% | 4,865 |
| Credit loss provision to net charge-offs | 156.7715% | 1,789 |
| Earnings coverage of net charge-offs (x) | 9.4323% | 1,986 |
| Efficiency ratio | 67.2789% | 4,524 |
| Assets per employee ($millions) | 9.1265% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5749% | 7,032 |
| Loan loss allowance to noncurrent loans | 76.5225% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 5,480 |
| Noncurrent loans to loans | 0.7513% | 5,198 |
| Net loans and leases to total assets | 66.1747% | 2,756 |
| Net loans and leases to deposits | 86.5817% | 1,597 |
| Net loans and leases to core deposits | 90.1051% | 2,118 |
| Total domestic deposits to total assets | 76.4304% | 6,425 |
| Equity capital to assets | 12.1665% | 1,997 |
| Core capital (leverage) ratio | 12.3141% | 1,429 |
| Tier 1 risk-based capital ratio | 22.6612% | 1,138 |
| Total risk-based capital ratio | 23.3701% | 1,194 |
| Memoranda: | ||
| Average total assets | $697,164,800 | 936 |
| Average earning assets | $663,115,800 | 896 |
| Average equity | $83,660,000 | 802 |
| Average total loans | $457,383,200 | 911 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3013% | 5,947 |
| Cost of funding earning assets | 1.2485% | 2,008 |
| Net interest margin | 3.0528% | 6,487 |
| Noninterest income to average assets | 0.1347% | 6,577 |
| Noninterest expense to average assets | 2.0058% | 6,677 |
| Loan and lease loss provision to assets | 0.1246% | 4,870 |
| Net operating income to assets | 0.5705% | 4,218 |
| Return on assets (ROA) | 0.5705% | 4,397 |
| Pretax return on assets | 0.9110% | 3,717 |
| Return on Equity (ROE) | 4.7707% | 4,628 |
| Retained earnings to average equity (ytd only) | 4.7707% | 3,331 |
| Net charge-offs to loans | 0.0064% | 6,082 |
| Credit loss provision to net charge-offs | 2,954.5455% | 98 |
| Earnings coverage of net charge-offs (x) | 245.6580% | 164 |
| Efficiency ratio | 65.9505% | 4,734 |
| Assets per employee ($millions) | 9.1556% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6246% | 7,053 |
| Loan loss allowance to noncurrent loans | 57.2952% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 0.7279% | 5,337 |
| Noncurrent loans to loans | 1.0901% | 4,731 |
| Net loans and leases to total assets | 66.3550% | 2,811 |
| Net loans and leases to deposits | 87.1174% | 1,539 |
| Net loans and leases to core deposits | 90.5253% | 2,186 |
| Total domestic deposits to total assets | 76.1674% | 6,511 |
| Equity capital to assets | 12.1982% | 2,104 |
| Core capital (leverage) ratio | 12.2662% | 1,550 |
| Tier 1 risk-based capital ratio | 26.5355% | 783 |
| Total risk-based capital ratio | 27.4383% | 795 |
| Memoranda: | ||
| Average total assets | $695,770,250 | 944 |
| Average earning assets | $662,447,750 | 900 |
| Average equity | $83,200,250 | 812 |
| Average total loans | $454,797,250 | 934 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3354% | 5,890 |
| Cost of funding earning assets | 1.2608% | 2,180 |
| Net interest margin | 3.0746% | 6,460 |
| Noninterest income to average assets | 0.1595% | 6,517 |
| Noninterest expense to average assets | 2.0188% | 6,752 |
| Loan and lease loss provision to assets | 0.1150% | 4,848 |
| Net operating income to assets | 0.5936% | 4,093 |
| Return on assets (ROA) | 0.5936% | 4,226 |
| Pretax return on assets | 0.9524% | 3,422 |
| Return on Equity (ROE) | 4.9975% | 4,452 |
| Retained earnings to average equity (ytd only) | 4.9975% | 3,010 |
| Net charge-offs to loans | 0.0009% | 5,872 |
| Credit loss provision to net charge-offs | 20,000.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 1,856.5000% | 3 |
| Efficiency ratio | 65.4154% | 4,983 |
| Assets per employee ($millions) | 9.1884% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5823% | 7,161 |
| Loan loss allowance to noncurrent loans | 93.1010% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 6,126 |
| Noncurrent loans to loans | 0.6255% | 5,674 |
| Net loans and leases to total assets | 65.3262% | 3,180 |
| Net loans and leases to deposits | 85.5788% | 1,848 |
| Net loans and leases to core deposits | 88.8822% | 2,518 |
| Total domestic deposits to total assets | 76.3346% | 6,552 |
| Equity capital to assets | 12.0023% | 2,085 |
| Core capital (leverage) ratio | 12.0821% | 1,564 |
| Tier 1 risk-based capital ratio | 26.3602% | 778 |
| Total risk-based capital ratio | 27.1949% | 800 |
| Memoranda: | ||
| Average total assets | $695,752,000 | 952 |
| Average earning assets | $662,262,670 | 911 |
| Average equity | $82,641,000 | 814 |
| Average total loans | $451,524,000 | 960 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2988% | 6,024 |
| Cost of funding earning assets | 1.2630% | 2,407 |
| Net interest margin | 3.0358% | 6,498 |
| Noninterest income to average assets | 0.1601% | 6,578 |
| Noninterest expense to average assets | 1.9987% | 6,830 |
| Loan and lease loss provision to assets | 0.1152% | 4,572 |
| Net operating income to assets | 0.5789% | 4,144 |
| Return on assets (ROA) | 0.5789% | 4,214 |
| Pretax return on assets | 0.9342% | 3,384 |
| Return on Equity (ROE) | 4.8992% | 4,451 |
| Retained earnings to average equity (ytd only) | 4.8992% | 3,254 |
| Net charge-offs to loans | 0.0018% | 5,100 |
| Credit loss provision to net charge-offs | 10,000.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 911.0000% | 13 |
| Efficiency ratio | 65.5707% | 5,114 |
| Assets per employee ($millions) | 9.2002% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5378% | 7,262 |
| Loan loss allowance to noncurrent loans | 85.5067% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.4135% | 6,173 |
| Noncurrent loans to loans | 0.6289% | 5,779 |
| Net loans and leases to total assets | 65.3862% | 3,155 |
| Net loans and leases to deposits | 85.3919% | 1,824 |
| Net loans and leases to core deposits | 88.5435% | 2,533 |
| Total domestic deposits to total assets | 76.5719% | 6,597 |
| Equity capital to assets | 11.8345% | 2,018 |
| Core capital (leverage) ratio | 12.0392% | 1,543 |
| Tier 1 risk-based capital ratio | 26.1956% | 768 |
| Total risk-based capital ratio | 26.9727% | 789 |
| Memoranda: | ||
| Average total assets | $694,467,000 | 963 |
| Average earning assets | $660,652,500 | 920 |
| Average equity | $82,054,000 | 809 |
| Average total loans | $447,856,500 | 974 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6235% | 6,046 |
| Cost of funding earning assets | 1.5534% | 2,339 |
| Net interest margin | 3.0701% | 6,596 |
| Noninterest income to average assets | 0.1531% | 6,627 |
| Noninterest expense to average assets | 1.8549% | 7,214 |
| Loan and lease loss provision to assets | 0.0554% | 6,590 |
| Net operating income to assets | 0.7303% | 3,099 |
| Return on assets (ROA) | 0.7303% | 3,222 |
| Pretax return on assets | 1.1687% | 2,332 |
| Return on Equity (ROE) | 6.5722% | 3,311 |
| Retained earnings to average equity (ytd only) | 6.3196% | 1,655 |
| Net charge-offs to loans | 0.0920% | 5,926 |
| Credit loss provision to net charge-offs | 92.5059% | 5,018 |
| Earnings coverage of net charge-offs (x) | 20.4239% | 1,004 |
| Efficiency ratio | 60.2434% | 6,010 |
| Assets per employee ($millions) | 8.9574% | 344 |
| Cash dividends to net income (ytd only)* | 3.8439% | 3,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5215% | 7,340 |
| Loan loss allowance to noncurrent loans | 111.1437% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 6,501 |
| Noncurrent loans to loans | 0.4692% | 6,104 |
| Net loans and leases to total assets | 62.8918% | 4,095 |
| Net loans and leases to deposits | 82.3536% | 2,739 |
| Net loans and leases to core deposits | 85.3774% | 3,417 |
| Total domestic deposits to total assets | 76.3680% | 6,588 |
| Equity capital to assets | 11.7960% | 2,044 |
| Core capital (leverage) ratio | 11.8070% | 1,667 |
| Tier 1 risk-based capital ratio | 26.5571% | 701 |
| Total risk-based capital ratio | 27.2907% | 733 |
| Memoranda: | ||
| Average total assets | $712,418,600 | 935 |
| Average earning assets | $678,959,200 | 903 |
| Average equity | $79,167,000 | 832 |
| Average total loans | $463,950,800 | 974 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 6,040 |
| Cost of funding earning assets | 1.6176% | 2,290 |
| Net interest margin | 3.0773% | 6,664 |
| Noninterest income to average assets | 0.1515% | 6,778 |
| Noninterest expense to average assets | 1.8008% | 7,324 |
| Loan and lease loss provision to assets | 0.0362% | 6,719 |
| Net operating income to assets | 0.7782% | 3,095 |
| Return on assets (ROA) | 0.7782% | 3,254 |
| Pretax return on assets | 1.2494% | 2,335 |
| Return on Equity (ROE) | 7.1075% | 3,296 |
| Retained earnings to average equity (ytd only) | 6.7683% | 1,957 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3469% | 6,213 |
| Assets per employee ($millions) | 9.1929% | 329 |
| Cash dividends to net income (ytd only)* | 4.7721% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5521% | 7,408 |
| Loan loss allowance to noncurrent loans | 75.2180% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 6,251 |
| Noncurrent loans to loans | 0.7340% | 5,734 |
| Net loans and leases to total assets | 63.6409% | 4,196 |
| Net loans and leases to deposits | 82.6441% | 2,977 |
| Net loans and leases to core deposits | 85.7984% | 3,685 |
| Total domestic deposits to total assets | 77.0060% | 6,477 |
| Equity capital to assets | 11.3603% | 2,647 |
| Core capital (leverage) ratio | 11.4207% | 1,991 |
| Tier 1 risk-based capital ratio | 25.5001% | 820 |
| Total risk-based capital ratio | 26.2845% | 845 |
| Memoranda: | ||
| Average total assets | $718,093,750 | 935 |
| Average earning assets | $684,872,500 | 896 |
| Average equity | $78,619,000 | 840 |
| Average total loans | $470,926,000 | 964 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7610% | 5,925 |
| Cost of funding earning assets | 1.6814% | 2,216 |
| Net interest margin | 3.0796% | 6,656 |
| Noninterest income to average assets | 0.1525% | 6,799 |
| Noninterest expense to average assets | 1.7574% | 7,442 |
| Loan and lease loss provision to assets | 0.0263% | 6,681 |
| Net operating income to assets | 0.8127% | 2,911 |
| Return on assets (ROA) | 0.8127% | 3,059 |
| Pretax return on assets | 1.3073% | 2,060 |
| Return on Equity (ROE) | 7.5160% | 3,106 |
| Retained earnings to average equity (ytd only) | 7.0033% | 1,828 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8559% | 6,526 |
| Assets per employee ($millions) | 9.3910% | 298 |
| Cash dividends to net income (ytd only)* | 6.8213% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5071% | 7,500 |
| Loan loss allowance to noncurrent loans | 80.7602% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 6,409 |
| Noncurrent loans to loans | 0.6279% | 5,990 |
| Net loans and leases to total assets | 66.0065% | 3,829 |
| Net loans and leases to deposits | 85.2202% | 2,656 |
| Net loans and leases to core deposits | 88.1370% | 3,529 |
| Total domestic deposits to total assets | 77.4540% | 6,405 |
| Equity capital to assets | 11.0856% | 2,780 |
| Core capital (leverage) ratio | 11.1065% | 2,161 |
| Tier 1 risk-based capital ratio | 24.8236% | 859 |
| Total risk-based capital ratio | 25.5682% | 888 |
| Memoranda: | ||
| Average total assets | $721,508,000 | 932 |
| Average earning assets | $688,475,670 | 899 |
| Average equity | $78,020,670 | 835 |
| Average total loans | $476,906,670 | 963 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7476% | 6,084 |
| Cost of funding earning assets | 1.7318% | 2,221 |
| Net interest margin | 3.0159% | 6,794 |
| Noninterest income to average assets | 0.1533% | 6,873 |
| Noninterest expense to average assets | 1.7116% | 7,569 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8464% | 2,765 |
| Return on assets (ROA) | 0.8464% | 2,859 |
| Pretax return on assets | 1.3206% | 1,997 |
| Return on Equity (ROE) | 7.9255% | 2,921 |
| Retained earnings to average equity (ytd only) | 6.8929% | 2,181 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4466% | 6,706 |
| Assets per employee ($millions) | 9.5553% | 302 |
| Cash dividends to net income (ytd only)* | 13.0293% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4858% | 7,599 |
| Loan loss allowance to noncurrent loans | 66.9959% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 6,292 |
| Noncurrent loans to loans | 0.7251% | 5,871 |
| Net loans and leases to total assets | 65.0465% | 4,088 |
| Net loans and leases to deposits | 83.3214% | 3,057 |
| Net loans and leases to core deposits | 86.0676% | 3,884 |
| Total domestic deposits to total assets | 78.0669% | 6,303 |
| Equity capital to assets | 10.7639% | 2,984 |
| Core capital (leverage) ratio | 10.8628% | 2,325 |
| Tier 1 risk-based capital ratio | 24.1065% | 954 |
| Total risk-based capital ratio | 24.8133% | 979 |
| Memoranda: | ||
| Average total assets | $725,403,000 | 948 |
| Average earning assets | $692,470,000 | 908 |
| Average equity | $77,471,000 | 848 |
| Average total loans | $478,609,500 | 987 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 6,552 |
| Cost of funding earning assets | 2.3245% | 1,565 |
| Net interest margin | 2.6374% | 7,297 |
| Noninterest income to average assets | 0.1587% | 6,936 |
| Noninterest expense to average assets | 1.8412% | 7,570 |
| Loan and lease loss provision to assets | 0.0143% | 7,352 |
| Net operating income to assets | 0.5290% | 3,611 |
| Return on assets (ROA) | 0.5290% | 3,703 |
| Pretax return on assets | 0.8285% | 3,159 |
| Return on Equity (ROE) | 5.1030% | 3,628 |
| Retained earnings to average equity (ytd only) | 5.1030% | 1,767 |
| Net charge-offs to loans | 0.0041% | 7,188 |
| Credit loss provision to net charge-offs | 515.0000% | 600 |
| Earnings coverage of net charge-offs (x) | 302.6500% | 94 |
| Efficiency ratio | 68.5516% | 4,911 |
| Assets per employee ($millions) | 9.5342% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4779% | 7,686 |
| Loan loss allowance to noncurrent loans | 79.8476% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 6,461 |
| Noncurrent loans to loans | 0.5985% | 6,044 |
| Net loans and leases to total assets | 66.2760% | 4,084 |
| Net loans and leases to deposits | 84.5718% | 3,167 |
| Net loans and leases to core deposits | 113.9509% | 2,502 |
| Total domestic deposits to total assets | 78.3665% | 6,153 |
| Equity capital to assets | 10.5953% | 3,072 |
| Core capital (leverage) ratio | 10.7379% | 2,395 |
| Tier 1 risk-based capital ratio | 23.5151% | 992 |
| Total risk-based capital ratio | 24.2165% | 1,023 |
| Memoranda: | ||
| Average total assets | $718,168,200 | 948 |
| Average earning assets | $687,636,400 | 904 |
| Average equity | $74,445,800 | 870 |
| Average total loans | $487,179,600 | 992 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9862% | 6,644 |
| Cost of funding earning assets | 2.4684% | 1,391 |
| Net interest margin | 2.5177% | 7,444 |
| Noninterest income to average assets | 0.1449% | 7,139 |
| Noninterest expense to average assets | 1.7725% | 7,691 |
| Loan and lease loss provision to assets | 0.0186% | 7,165 |
| Net operating income to assets | 0.4866% | 4,044 |
| Return on assets (ROA) | 0.4866% | 4,140 |
| Pretax return on assets | 0.7666% | 3,638 |
| Return on Equity (ROE) | 4.7203% | 4,070 |
| Retained earnings to average equity (ytd only) | 4.7203% | 2,643 |
| Net charge-offs to loans | 0.0055% | 6,886 |
| Credit loss provision to net charge-offs | 500.0000% | 781 |
| Earnings coverage of net charge-offs (x) | 210.9685% | 179 |
| Efficiency ratio | 69.2347% | 4,737 |
| Assets per employee ($millions) | 9.4833% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4716% | 7,743 |
| Loan loss allowance to noncurrent loans | 87.0042% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 6,526 |
| Noncurrent loans to loans | 0.5421% | 6,225 |
| Net loans and leases to total assets | 67.4352% | 4,080 |
| Net loans and leases to deposits | 85.2849% | 3,452 |
| Net loans and leases to core deposits | 114.3378% | 2,796 |
| Total domestic deposits to total assets | 79.0705% | 5,778 |
| Equity capital to assets | 10.4805% | 3,537 |
| Core capital (leverage) ratio | 10.6423% | 2,674 |
| Tier 1 risk-based capital ratio | 23.2546% | 1,076 |
| Total risk-based capital ratio | 23.9581% | 1,121 |
| Memoranda: | ||
| Average total assets | $716,559,750 | 963 |
| Average earning assets | $686,682,500 | 914 |
| Average equity | $73,863,750 | 889 |
| Average total loans | $488,338,750 | 1,003 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0209% | 6,701 |
| Cost of funding earning assets | 2.6757% | 1,091 |
| Net interest margin | 2.3452% | 7,635 |
| Noninterest income to average assets | 0.1465% | 7,216 |
| Noninterest expense to average assets | 1.8309% | 7,709 |
| Loan and lease loss provision to assets | 0.0280% | 6,962 |
| Net operating income to assets | 0.3484% | 4,686 |
| Return on assets (ROA) | 0.3484% | 4,801 |
| Pretax return on assets | 0.5347% | 4,513 |
| Return on Equity (ROE) | 3.3994% | 4,750 |
| Retained earnings to average equity (ytd only) | 3.3994% | 3,431 |
| Net charge-offs to loans | 0.0082% | 6,465 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 100.6000% | 381 |
| Efficiency ratio | 76.3874% | 3,622 |
| Assets per employee ($millions) | 9.4204% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4746% | 7,817 |
| Loan loss allowance to noncurrent loans | 109.5623% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.2936% | 6,737 |
| Noncurrent loans to loans | 0.4332% | 6,434 |
| Net loans and leases to total assets | 67.4530% | 4,263 |
| Net loans and leases to deposits | 87.5268% | 3,255 |
| Net loans and leases to core deposits | 115.4579% | 2,765 |
| Total domestic deposits to total assets | 77.0656% | 6,312 |
| Equity capital to assets | 10.3463% | 3,570 |
| Core capital (leverage) ratio | 10.3311% | 2,971 |
| Tier 1 risk-based capital ratio | 22.9543% | 1,139 |
| Total risk-based capital ratio | 23.6614% | 1,170 |
| Memoranda: | ||
| Average total assets | $715,170,000 | 978 |
| Average earning assets | $685,216,670 | 931 |
| Average equity | $73,306,330 | 907 |
| Average total loans | $488,342,330 | 1,021 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0207% | 6,881 |
| Cost of funding earning assets | 2.7992% | 983 |
| Net interest margin | 2.2216% | 7,776 |
| Noninterest income to average assets | 0.1433% | 7,273 |
| Noninterest expense to average assets | 1.7561% | 7,754 |
| Loan and lease loss provision to assets | 0.0560% | 6,262 |
| Net operating income to assets | 0.3033% | 5,287 |
| Return on assets (ROA) | 0.3033% | 5,460 |
| Pretax return on assets | 0.4600% | 5,207 |
| Return on Equity (ROE) | 2.9730% | 5,382 |
| Retained earnings to average equity (ytd only) | 2.9730% | 4,223 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1182% | 3,310 |
| Assets per employee ($millions) | 9.9733% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4796% | 7,847 |
| Loan loss allowance to noncurrent loans | 86.7115% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 6,406 |
| Noncurrent loans to loans | 0.5531% | 6,031 |
| Net loans and leases to total assets | 66.2088% | 4,537 |
| Net loans and leases to deposits | 85.2610% | 3,764 |
| Net loans and leases to core deposits | 112.8602% | 3,123 |
| Total domestic deposits to total assets | 77.6543% | 6,115 |
| Equity capital to assets | 10.0645% | 3,932 |
| Core capital (leverage) ratio | 10.3551% | 3,062 |
| Tier 1 risk-based capital ratio | 22.6143% | 1,229 |
| Total risk-based capital ratio | 23.3236% | 1,262 |
| Memoranda: | ||
| Average total assets | $714,781,500 | 981 |
| Average earning assets | $684,922,000 | 932 |
| Average equity | $72,922,500 | 918 |
| Average total loans | $489,898,000 | 1,028 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2416% | 7,651 |
| Cost of funding earning assets | 3.0759% | 1,585 |
| Net interest margin | 2.1656% | 7,978 |
| Noninterest income to average assets | 0.1345% | 7,433 |
| Noninterest expense to average assets | 1.7010% | 7,865 |
| Loan and lease loss provision to assets | 0.0146% | 7,195 |
| Net operating income to assets | 0.4832% | 4,814 |
| Return on assets (ROA) | 0.4911% | 4,608 |
| Pretax return on assets | 0.5077% | 4,950 |
| Return on Equity (ROE) | 4.7655% | 4,488 |
| Retained earnings to average equity (ytd only) | 4.7655% | 2,173 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6118% | 3,138 |
| Assets per employee ($millions) | 9.4799% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4487% | 7,920 |
| Loan loss allowance to noncurrent loans | 183.8710% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 6,876 |
| Noncurrent loans to loans | 0.2440% | 6,653 |
| Net loans and leases to total assets | 70.3076% | 3,950 |
| Net loans and leases to deposits | 91.3496% | 3,238 |
| Net loans and leases to core deposits | 118.8353% | 2,805 |
| Total domestic deposits to total assets | 76.9654% | 6,000 |
| Equity capital to assets | 10.3448% | 3,672 |
| Core capital (leverage) ratio | 10.5535% | 2,935 |
| Tier 1 risk-based capital ratio | 22.5766% | 1,242 |
| Total risk-based capital ratio | 23.2592% | 1,283 |
| Memoranda: | ||
| Average total assets | $686,203,800 | 972 |
| Average earning assets | $659,249,200 | 923 |
| Average equity | $70,716,400 | 940 |
| Average total loans | $482,392,000 | 995 |