Home > Home Federal Savings and Loan Association of Grand Island > Performance and Condition Ratios
Home Federal Savings and Loan Association of Grand Island, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4518% | 2,196 |
| Cost of funding earning assets | 1.8204% | 2,400 |
| Net interest margin | 3.6314% | 2,012 |
| Noninterest income to average assets | 0.6100% | 1,305 |
| Noninterest expense to average assets | 2.8316% | 1,449 |
| Loan and lease loss provision to assets | 0.1200% | 1,082 |
| Net operating income to assets | 0.9329% | 2,469 |
| Return on assets (ROA) | 0.9329% | 2,472 |
| Pretax return on assets | 1.0843% | 2,541 |
| Return on Equity (ROE) | 7.3100% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.3089% | 1,893 |
| Net charge-offs to loans | 0.6111% | 234 |
| Credit loss provision to net charge-offs | 23.1767% | 1,645 |
| Earnings coverage of net charge-offs (x) | 2.4133% | 2,075 |
| Efficiency ratio | 69.5244% | 1,877 |
| Assets per employee ($millions) | 7.4848% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 1,489 |
| Loan loss allowance to noncurrent loans | 380.2236% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 2,146 |
| Noncurrent loans to loans | 0.3553% | 2,229 |
| Net loans and leases to total assets | 78.0700% | 830 |
| Net loans and leases to deposits | 91.6145% | 960 |
| Net loans and leases to core deposits | 99.8741% | 1,381 |
| Total domestic deposits to total assets | 85.2200% | 2,562 |
| Equity capital to assets | 12.6958% | 1,006 |
| Core capital (leverage) ratio | 13.7771% | 848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8349% | 906 |
| Memoranda: | ||
| Average total assets | $496,530,500 | 1,789 |
| Average earning assets | $467,366,500 | 1,764 |
| Average equity | $63,374,500 | 1,486 |
| Average total loans | $403,855,000 | 1,551 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3494% | 2,431 |
| Cost of funding earning assets | 1.8455% | 2,609 |
| Net interest margin | 3.5040% | 2,069 |
| Noninterest income to average assets | 0.5900% | 1,538 |
| Noninterest expense to average assets | 2.8663% | 1,382 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.8935% | 2,408 |
| Return on assets (ROA) | 0.8935% | 2,412 |
| Pretax return on assets | 1.0420% | 2,416 |
| Return on Equity (ROE) | 6.9800% | 3,028 |
| Retained earnings to average equity (ytd only) | 6.9821% | 1,438 |
| Net charge-offs to loans | -0.0018% | 3,775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 72.4428% | 1,726 |
| Assets per employee ($millions) | 7.0159% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 1,116 |
| Loan loss allowance to noncurrent loans | 143.7773% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.8498% | 836 |
| Noncurrent loans to loans | 1.0160% | 987 |
| Net loans and leases to total assets | 82.4200% | 403 |
| Net loans and leases to deposits | 96.8844% | 652 |
| Net loans and leases to core deposits | 106.8900% | 1,084 |
| Total domestic deposits to total assets | 85.0700% | 2,512 |
| Equity capital to assets | 12.8346% | 933 |
| Core capital (leverage) ratio | 13.7727% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7608% | 923 |
| Memoranda: | ||
| Average total assets | $469,974,400 | 1,840 |
| Average earning assets | $445,634,600 | 1,804 |
| Average equity | $60,139,200 | 1,493 |
| Average total loans | $389,975,800 | 1,555 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3002% | 2,457 |
| Cost of funding earning assets | 1.8196% | 2,663 |
| Net interest margin | 3.4806% | 2,071 |
| Noninterest income to average assets | 0.5900% | 1,496 |
| Noninterest expense to average assets | 2.8802% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.8781% | 2,451 |
| Return on assets (ROA) | 0.8781% | 2,459 |
| Pretax return on assets | 1.0219% | 2,481 |
| Return on Equity (ROE) | 6.8700% | 3,071 |
| Retained earnings to average equity (ytd only) | 6.8676% | 1,787 |
| Net charge-offs to loans | -0.0024% | 3,730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 73.1593% | 1,678 |
| Assets per employee ($millions) | 6.7884% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4681% | 1,136 |
| Loan loss allowance to noncurrent loans | 886.3843% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 2,794 |
| Noncurrent loans to loans | 0.1656% | 2,887 |
| Net loans and leases to total assets | 81.5900% | 454 |
| Net loans and leases to deposits | 96.1217% | 716 |
| Net loans and leases to core deposits | 106.0273% | 1,138 |
| Total domestic deposits to total assets | 84.8800% | 2,335 |
| Equity capital to assets | 12.9064% | 988 |
| Core capital (leverage) ratio | 13.8720% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7602% | 955 |
| Memoranda: | ||
| Average total assets | $466,443,500 | 1,842 |
| Average earning assets | $442,864,750 | 1,812 |
| Average equity | $59,641,000 | 1,488 |
| Average total loans | $386,241,750 | 1,557 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2202% | 2,500 |
| Cost of funding earning assets | 1.7709% | 2,695 |
| Net interest margin | 3.4493% | 2,077 |
| Noninterest income to average assets | 0.6100% | 1,411 |
| Noninterest expense to average assets | 2.8834% | 1,296 |
| Loan and lease loss provision to assets | -0.0100% | 4,151 |
| Net operating income to assets | 0.8685% | 2,393 |
| Return on assets (ROA) | 0.8685% | 2,410 |
| Pretax return on assets | 1.0168% | 2,433 |
| Return on Equity (ROE) | 6.8100% | 3,045 |
| Retained earnings to average equity (ytd only) | 6.8145% | 1,711 |
| Net charge-offs to loans | -0.0037% | 3,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 73.3534% | 1,713 |
| Assets per employee ($millions) | 6.4785% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 1,057 |
| Loan loss allowance to noncurrent loans | 928.8889% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 2,751 |
| Noncurrent loans to loans | 0.1617% | 2,861 |
| Net loans and leases to total assets | 82.2600% | 455 |
| Net loans and leases to deposits | 97.2569% | 703 |
| Net loans and leases to core deposits | 106.1317% | 1,151 |
| Total domestic deposits to total assets | 84.5800% | 2,439 |
| Equity capital to assets | 12.7907% | 921 |
| Core capital (leverage) ratio | 13.8405% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8731% | 941 |
| Memoranda: | ||
| Average total assets | $461,265,667 | 1,853 |
| Average earning assets | $439,099,333 | 1,823 |
| Average equity | $58,786,000 | 1,494 |
| Average total loans | $381,958,000 | 1,577 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0985% | 2,594 |
| Cost of funding earning assets | 1.7218% | 2,711 |
| Net interest margin | 3.3767% | 2,169 |
| Noninterest income to average assets | 0.6300% | 1,253 |
| Noninterest expense to average assets | 2.8334% | 1,379 |
| Loan and lease loss provision to assets | -0.0100% | 4,190 |
| Net operating income to assets | 0.8686% | 2,326 |
| Return on assets (ROA) | 0.8686% | 2,338 |
| Pretax return on assets | 1.0256% | 2,317 |
| Return on Equity (ROE) | 6.8300% | 2,998 |
| Retained earnings to average equity (ytd only) | 6.8280% | 1,881 |
| Net charge-offs to loans | -0.0095% | 3,910 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 72.9417% | 1,853 |
| Assets per employee ($millions) | 6.5217% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 970 |
| Loan loss allowance to noncurrent loans | 886.5356% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 2,674 |
| Noncurrent loans to loans | 0.1738% | 2,753 |
| Net loans and leases to total assets | 80.8500% | 527 |
| Net loans and leases to deposits | 95.1796% | 782 |
| Net loans and leases to core deposits | 103.5027% | 1,229 |
| Total domestic deposits to total assets | 84.9500% | 2,426 |
| Equity capital to assets | 12.6633% | 944 |
| Core capital (leverage) ratio | 13.9759% | 791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0061% | 930 |
| Memoranda: | ||
| Average total assets | $458,674,000 | 1,865 |
| Average earning assets | $436,282,000 | 1,834 |
| Average equity | $58,348,000 | 1,491 |
| Average total loans | $378,160,500 | 1,581 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6667% | 2,751 |
| Cost of funding earning assets | 1.3886% | 2,257 |
| Net interest margin | 3.2781% | 2,685 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.7635% | 1,593 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8233% | 2,796 |
| Return on assets (ROA) | 0.8233% | 2,775 |
| Pretax return on assets | 0.9922% | 2,704 |
| Return on Equity (ROE) | 8.7300% | 2,821 |
| Retained earnings to average equity (ytd only) | 8.7330% | 1,322 |
| Net charge-offs to loans | -0.0155% | 4,091 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.6495% | 1,598 |
| Assets per employee ($millions) | 6.6810% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 916 |
| Loan loss allowance to noncurrent loans | 800.4093% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 2,456 |
| Noncurrent loans to loans | 0.1949% | 2,539 |
| Net loans and leases to total assets | 81.4900% | 477 |
| Net loans and leases to deposits | 95.9918% | 790 |
| Net loans and leases to core deposits | 103.8909% | 1,222 |
| Total domestic deposits to total assets | 84.8900% | 2,342 |
| Equity capital to assets | 12.7799% | 909 |
| Core capital (leverage) ratio | 13.7700% | 849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9835% | 918 |
| Memoranda: | ||
| Average total assets | $444,578,000 | 1,878 |
| Average earning assets | $422,079,200 | 1,831 |
| Average equity | $41,910,000 | 1,820 |
| Average total loans | $362,306,000 | 1,571 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 2,855 |
| Cost of funding earning assets | 1.3066% | 2,130 |
| Net interest margin | 3.2186% | 2,874 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.6847% | 1,712 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.8368% | 2,911 |
| Return on assets (ROA) | 0.8368% | 2,888 |
| Pretax return on assets | 1.0108% | 2,823 |
| Return on Equity (ROE) | 9.7700% | 2,707 |
| Retained earnings to average equity (ytd only) | 9.7694% | 1,467 |
| Net charge-offs to loans | -0.0141% | 4,035 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.5641% | 1,506 |
| Assets per employee ($millions) | 6.5785% | 2,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 1,009 |
| Loan loss allowance to noncurrent loans | 734.6753% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 2,455 |
| Noncurrent loans to loans | 0.2098% | 2,515 |
| Net loans and leases to total assets | 79.6200% | 691 |
| Net loans and leases to deposits | 88.5491% | 1,340 |
| Net loans and leases to core deposits | 94.7792% | 1,632 |
| Total domestic deposits to total assets | 89.9200% | 960 |
| Equity capital to assets | 8.4777% | 2,742 |
| Core capital (leverage) ratio | 10.2544% | 2,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4265% | 2,105 |
| Memoranda: | ||
| Average total assets | $442,145,500 | 1,884 |
| Average earning assets | $419,511,750 | 1,839 |
| Average equity | $37,872,500 | 1,936 |
| Average total loans | $358,864,500 | 1,579 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 2,839 |
| Cost of funding earning assets | 1.2329% | 1,894 |
| Net interest margin | 3.1877% | 3,021 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.6562% | 1,766 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8224% | 3,011 |
| Return on assets (ROA) | 0.8224% | 3,020 |
| Pretax return on assets | 0.9858% | 2,956 |
| Return on Equity (ROE) | 9.5700% | 2,818 |
| Retained earnings to average equity (ytd only) | 9.5675% | 1,518 |
| Net charge-offs to loans | -0.0107% | 3,929 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.2994% | 1,522 |
| Assets per employee ($millions) | 6.5276% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 1,017 |
| Loan loss allowance to noncurrent loans | 703.5802% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 2,294 |
| Noncurrent loans to loans | 0.2217% | 2,379 |
| Net loans and leases to total assets | 79.8700% | 645 |
| Net loans and leases to deposits | 88.9103% | 1,269 |
| Net loans and leases to core deposits | 94.8887% | 1,532 |
| Total domestic deposits to total assets | 89.8300% | 975 |
| Equity capital to assets | 8.5931% | 2,786 |
| Core capital (leverage) ratio | 10.0703% | 2,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5796% | 2,068 |
| Memoranda: | ||
| Average total assets | $438,221,000 | 1,889 |
| Average earning assets | $415,288,000 | 1,855 |
| Average equity | $37,669,333 | 1,952 |
| Average total loans | $356,128,667 | 1,575 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 2,502 |
| Cost of funding earning assets | 1.1026% | 1,745 |
| Net interest margin | 3.3166% | 2,837 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.6542% | 1,796 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.8992% | 2,855 |
| Return on assets (ROA) | 0.8992% | 2,813 |
| Pretax return on assets | 1.0854% | 2,748 |
| Return on Equity (ROE) | 10.5200% | 2,628 |
| Retained earnings to average equity (ytd only) | 10.5233% | 1,575 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.5802% | 1,794 |
| Assets per employee ($millions) | 6.1602% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 1,172 |
| Loan loss allowance to noncurrent loans | 526.4591% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 1,716 |
| Noncurrent loans to loans | 0.2908% | 2,099 |
| Net loans and leases to total assets | 79.5900% | 579 |
| Net loans and leases to deposits | 88.6377% | 1,157 |
| Net loans and leases to core deposits | 95.6064% | 1,308 |
| Total domestic deposits to total assets | 89.8000% | 1,233 |
| Equity capital to assets | 8.7292% | 2,716 |
| Core capital (leverage) ratio | 10.0060% | 2,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3610% | 2,235 |
| Memoranda: | ||
| Average total assets | $431,918,000 | 1,937 |
| Average earning assets | $409,576,000 | 1,904 |
| Average equity | $36,908,500 | 2,010 |
| Average total loans | $351,366,000 | 1,610 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8613% | 2,091 |
| Cost of funding earning assets | 0.4908% | 1,459 |
| Net interest margin | 3.3704% | 2,344 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.7845% | 1,348 |
| Loan and lease loss provision to assets | 0.6800% | 76 |
| Net operating income to assets | 0.3334% | 4,337 |
| Return on assets (ROA) | 0.3334% | 4,304 |
| Pretax return on assets | 0.3446% | 4,334 |
| Return on Equity (ROE) | 3.7300% | 4,197 |
| Retained earnings to average equity (ytd only) | 3.7285% | 3,488 |
| Net charge-offs to loans | 0.7326% | 95 |
| Credit loss provision to net charge-offs | 119.1312% | 1,466 |
| Earnings coverage of net charge-offs (x) | 1.7907% | 2,526 |
| Efficiency ratio | 72.5332% | 1,382 |
| Assets per employee ($millions) | 5.8420% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 1,094 |
| Loan loss allowance to noncurrent loans | 383.7973% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.3285% | 1,537 |
| Noncurrent loans to loans | 0.4012% | 1,722 |
| Net loans and leases to total assets | 80.6200% | 533 |
| Net loans and leases to deposits | 93.3558% | 821 |
| Net loans and leases to core deposits | 97.8705% | 1,106 |
| Total domestic deposits to total assets | 86.3600% | 2,615 |
| Equity capital to assets | 8.3566% | 2,809 |
| Core capital (leverage) ratio | 9.9054% | 2,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3862% | 2,205 |
| Memoranda: | ||
| Average total assets | $416,376,600 | 1,967 |
| Average earning assets | $395,234,600 | 1,931 |
| Average equity | $37,226,800 | 2,028 |
| Average total loans | $326,773,200 | 1,617 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7390% | 1,929 |
| Cost of funding earning assets | 0.3657% | 1,560 |
| Net interest margin | 3.3733% | 2,060 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.8985% | 1,060 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.7252% | 3,496 |
| Return on assets (ROA) | 0.7252% | 3,445 |
| Pretax return on assets | 0.8347% | 3,500 |
| Return on Equity (ROE) | 7.9800% | 3,339 |
| Retained earnings to average equity (ytd only) | 7.9770% | 2,006 |
| Net charge-offs to loans | -0.0141% | 3,852 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.9455% | 1,178 |
| Assets per employee ($millions) | 6.0845% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5247% | 1,233 |
| Loan loss allowance to noncurrent loans | 495.1265% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2505% | 1,968 |
| Noncurrent loans to loans | 0.3079% | 2,141 |
| Net loans and leases to total assets | 80.1100% | 522 |
| Net loans and leases to deposits | 92.5942% | 729 |
| Net loans and leases to core deposits | 93.9974% | 1,094 |
| Total domestic deposits to total assets | 86.5200% | 2,916 |
| Equity capital to assets | 8.5193% | 2,533 |
| Core capital (leverage) ratio | 10.0159% | 2,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6603% | 2,190 |
| Memoranda: | ||
| Average total assets | $413,854,750 | 1,987 |
| Average earning assets | $393,039,500 | 1,951 |
| Average equity | $37,624,000 | 2,037 |
| Average total loans | $321,167,000 | 1,632 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5714% | 1,926 |
| Cost of funding earning assets | 0.2861% | 1,841 |
| Net interest margin | 3.2853% | 1,948 |
| Noninterest income to average assets | 0.6432% | 1,574 |
| Noninterest expense to average assets | 2.9314% | 940 |
| Loan and lease loss provision to assets | 0.0791% | 1,230 |
| Net operating income to assets | 0.6730% | 3,403 |
| Return on assets (ROA) | 0.6730% | 3,353 |
| Pretax return on assets | 0.7544% | 3,440 |
| Return on Equity (ROE) | 7.2445% | 3,236 |
| Retained earnings to average equity (ytd only) | 7.2445% | 1,899 |
| Net charge-offs to loans | 0.0006% | 2,134 |
| Credit loss provision to net charge-offs | 16,200.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 1,708.0000% | 63 |
| Efficiency ratio | 77.1355% | 1,162 |
| Assets per employee ($millions) | 5.6610% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 1,285 |
| Loan loss allowance to noncurrent loans | 432.7087% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 1,883 |
| Noncurrent loans to loans | 0.3572% | 2,075 |
| Net loans and leases to total assets | 78.2960% | 537 |
| Net loans and leases to deposits | 91.5117% | 633 |
| Net loans and leases to core deposits | 92.6339% | 988 |
| Total domestic deposits to total assets | 85.5584% | 3,362 |
| Equity capital to assets | 8.9411% | 2,421 |
| Core capital (leverage) ratio | 10.1343% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1139% | 2,011 |
| Memoranda: | ||
| Average total assets | $409,835,333 | 2,012 |
| Average earning assets | $389,430,667 | 1,983 |
| Average equity | $38,070,333 | 2,077 |
| Average total loans | $312,722,667 | 1,661 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4183% | 2,033 |
| Cost of funding earning assets | 0.2810% | 1,808 |
| Net interest margin | 3.1373% | 2,065 |
| Noninterest income to average assets | 0.7047% | 1,304 |
| Noninterest expense to average assets | 3.0784% | 711 |
| Loan and lease loss provision to assets | 0.0098% | 2,147 |
| Net operating income to assets | 0.5851% | 3,442 |
| Return on assets (ROA) | 0.5851% | 3,426 |
| Pretax return on assets | 0.5930% | 3,653 |
| Return on Equity (ROE) | 6.1816% | 3,295 |
| Retained earnings to average equity (ytd only) | 6.1816% | 2,184 |
| Net charge-offs to loans | 0.0013% | 1,793 |
| Credit loss provision to net charge-offs | 1,000.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 615.0000% | 164 |
| Efficiency ratio | 82.5612% | 942 |
| Assets per employee ($millions) | 5.6617% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 1,315 |
| Loan loss allowance to noncurrent loans | 504.2989% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 2,221 |
| Noncurrent loans to loans | 0.3138% | 2,341 |
| Net loans and leases to total assets | 74.1311% | 651 |
| Net loans and leases to deposits | 83.5532% | 915 |
| Net loans and leases to core deposits | 84.3405% | 1,224 |
| Total domestic deposits to total assets | 88.7233% | 2,200 |
| Equity capital to assets | 9.1279% | 2,603 |
| Core capital (leverage) ratio | 10.1514% | 2,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3230% | 2,070 |
| Memoranda: | ||
| Average total assets | $408,127,500 | 2,028 |
| Average earning assets | $387,213,500 | 1,999 |
| Average equity | $38,631,000 | 2,104 |
| Average total loans | $304,764,500 | 1,686 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6222% | 2,326 |
| Cost of funding earning assets | 0.3099% | 2,297 |
| Net interest margin | 3.3123% | 2,279 |
| Noninterest income to average assets | 0.8169% | 1,408 |
| Noninterest expense to average assets | 3.1083% | 833 |
| Loan and lease loss provision to assets | 0.1509% | 799 |
| Net operating income to assets | 0.5836% | 3,913 |
| Return on assets (ROA) | 0.5836% | 3,952 |
| Pretax return on assets | 0.6994% | 3,928 |
| Return on Equity (ROE) | 5.7248% | 3,839 |
| Retained earnings to average equity (ytd only) | 5.7248% | 2,464 |
| Net charge-offs to loans | 0.0070% | 2,315 |
| Credit loss provision to net charge-offs | 2,989.4737% | 233 |
| Earnings coverage of net charge-offs (x) | 168.4211% | 608 |
| Efficiency ratio | 76.8544% | 1,041 |
| Assets per employee ($millions) | 5.5199% | 3,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 1,155 |
| Loan loss allowance to noncurrent loans | 472.9808% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 2,271 |
| Noncurrent loans to loans | 0.3487% | 2,331 |
| Net loans and leases to total assets | 72.7870% | 781 |
| Net loans and leases to deposits | 82.6284% | 1,006 |
| Net loans and leases to core deposits | 83.4389% | 1,364 |
| Total domestic deposits to total assets | 88.0896% | 1,999 |
| Equity capital to assets | 9.8116% | 2,839 |
| Core capital (leverage) ratio | 10.4156% | 1,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7065% | 1,972 |
| Memoranda: | ||
| Average total assets | $376,311,400 | 2,080 |
| Average earning assets | $356,937,400 | 2,054 |
| Average equity | $38,359,200 | 2,145 |
| Average total loans | $270,682,000 | 1,832 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6788% | 2,336 |
| Cost of funding earning assets | 0.3219% | 2,387 |
| Net interest margin | 3.3569% | 2,276 |
| Noninterest income to average assets | 0.8422% | 1,405 |
| Noninterest expense to average assets | 3.1737% | 742 |
| Loan and lease loss provision to assets | 0.1967% | 527 |
| Net operating income to assets | 0.5450% | 4,112 |
| Return on assets (ROA) | 0.5450% | 4,156 |
| Pretax return on assets | 0.6536% | 4,152 |
| Return on Equity (ROE) | 5.2926% | 4,066 |
| Retained earnings to average equity (ytd only) | 5.2926% | 3,102 |
| Net charge-offs to loans | 0.0066% | 2,074 |
| Credit loss provision to net charge-offs | 4,192.3077% | 187 |
| Earnings coverage of net charge-offs (x) | 181.3077% | 595 |
| Efficiency ratio | 77.1334% | 948 |
| Assets per employee ($millions) | 5.1908% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7397% | 1,033 |
| Loan loss allowance to noncurrent loans | 427.0035% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 2,256 |
| Noncurrent loans to loans | 0.4074% | 2,338 |
| Net loans and leases to total assets | 73.0688% | 769 |
| Net loans and leases to deposits | 83.5192% | 997 |
| Net loans and leases to core deposits | 84.4802% | 1,391 |
| Total domestic deposits to total assets | 87.4873% | 2,113 |
| Equity capital to assets | 10.3035% | 2,609 |
| Core capital (leverage) ratio | 10.5753% | 1,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2888% | 1,866 |
| Memoranda: | ||
| Average total assets | $369,651,500 | 2,125 |
| Average earning assets | $350,359,000 | 2,097 |
| Average equity | $38,065,000 | 2,181 |
| Average total loans | $263,798,750 | 1,892 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4322% | 3,075 |
| Cost of funding earning assets | 0.3324% | 2,470 |
| Net interest margin | 3.0998% | 3,040 |
| Noninterest income to average assets | 0.8664% | 1,363 |
| Noninterest expense to average assets | 3.1122% | 825 |
| Loan and lease loss provision to assets | 0.3677% | 198 |
| Net operating income to assets | 0.2766% | 4,548 |
| Return on assets (ROA) | 0.2766% | 4,568 |
| Pretax return on assets | 0.3219% | 4,566 |
| Return on Equity (ROE) | 2.6869% | 4,527 |
| Retained earnings to average equity (ytd only) | 2.6869% | 3,943 |
| Net charge-offs to loans | 0.0008% | 2,218 |
| Credit loss provision to net charge-offs | 67,400.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 1,264.0000% | 99 |
| Efficiency ratio | 79.7359% | 803 |
| Assets per employee ($millions) | 4.9789% | 3,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8551% | 802 |
| Loan loss allowance to noncurrent loans | 110.0371% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.2281% | 543 |
| Noncurrent loans to loans | 1.6859% | 629 |
| Net loans and leases to total assets | 71.4474% | 1,030 |
| Net loans and leases to deposits | 81.4678% | 1,279 |
| Net loans and leases to core deposits | 82.3557% | 1,695 |
| Total domestic deposits to total assets | 87.7001% | 1,984 |
| Equity capital to assets | 10.2365% | 2,628 |
| Core capital (leverage) ratio | 10.3113% | 2,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5495% | 1,788 |
| Memoranda: | ||
| Average total assets | $366,559,333 | 2,128 |
| Average earning assets | $347,121,000 | 2,106 |
| Average equity | $37,739,000 | 2,189 |
| Average total loans | $257,805,000 | 1,925 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3249% | 3,396 |
| Cost of funding earning assets | 0.3473% | 2,542 |
| Net interest margin | 2.9776% | 3,320 |
| Noninterest income to average assets | 0.9015% | 1,324 |
| Noninterest expense to average assets | 3.2900% | 622 |
| Loan and lease loss provision to assets | 0.7617% | 67 |
| Net operating income to assets | -0.2620% | 4,856 |
| Return on assets (ROA) | -0.2620% | 4,860 |
| Pretax return on assets | -0.3379% | 4,867 |
| Return on Equity (ROE) | -2.5389% | 4,870 |
| Retained earnings to average equity (ytd only) | -2.5389% | 4,574 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1589% | 504 |
| Assets per employee ($millions) | 5.1689% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 661 |
| Loan loss allowance to noncurrent loans | 94.6158% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.4184% | 471 |
| Noncurrent loans to loans | 2.0627% | 518 |
| Net loans and leases to total assets | 67.3840% | 1,612 |
| Net loans and leases to deposits | 76.7337% | 1,828 |
| Net loans and leases to core deposits | 77.2616% | 2,236 |
| Total domestic deposits to total assets | 87.8153% | 1,932 |
| Equity capital to assets | 9.9783% | 2,727 |
| Core capital (leverage) ratio | 10.4945% | 2,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8579% | 1,614 |
| Memoranda: | ||
| Average total assets | $363,402,000 | 2,133 |
| Average earning assets | $343,227,000 | 2,111 |
| Average equity | $37,496,000 | 2,179 |
| Average total loans | $251,044,000 | 1,957 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9078% | 3,006 |
| Cost of funding earning assets | 0.4948% | 2,981 |
| Net interest margin | 3.4130% | 2,737 |
| Noninterest income to average assets | 1.0551% | 956 |
| Noninterest expense to average assets | 3.4844% | 705 |
| Loan and lease loss provision to assets | 0.1773% | 2,174 |
| Net operating income to assets | 0.5595% | 3,874 |
| Return on assets (ROA) | 0.5595% | 3,974 |
| Pretax return on assets | 0.6021% | 4,076 |
| Return on Equity (ROE) | 4.8917% | 3,933 |
| Retained earnings to average equity (ytd only) | 4.8917% | 2,320 |
| Net charge-offs to loans | 0.0607% | 1,909 |
| Credit loss provision to net charge-offs | 422.3881% | 1,381 |
| Earnings coverage of net charge-offs (x) | 18.5672% | 2,018 |
| Efficiency ratio | 80.1117% | 886 |
| Assets per employee ($millions) | 4.7874% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 855 |
| Loan loss allowance to noncurrent loans | 305.8083% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4118% | 2,352 |
| Noncurrent loans to loans | 0.5886% | 2,229 |
| Net loans and leases to total assets | 68.2159% | 1,801 |
| Net loans and leases to deposits | 78.5533% | 2,017 |
| Net loans and leases to core deposits | 79.4801% | 2,407 |
| Total domestic deposits to total assets | 86.8403% | 2,013 |
| Equity capital to assets | 10.6848% | 2,537 |
| Core capital (leverage) ratio | 11.2810% | 1,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6891% | 1,630 |
| Memoranda: | ||
| Average total assets | $319,222,000 | 2,196 |
| Average earning assets | $300,117,200 | 2,179 |
| Average equity | $36,511,000 | 2,153 |
| Average total loans | $220,816,600 | 2,099 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9582% | 3,091 |
| Cost of funding earning assets | 0.5302% | 3,046 |
| Net interest margin | 3.4279% | 2,822 |
| Noninterest income to average assets | 1.1354% | 816 |
| Noninterest expense to average assets | 3.5093% | 701 |
| Loan and lease loss provision to assets | 0.2352% | 1,731 |
| Net operating income to assets | 0.5681% | 3,858 |
| Return on assets (ROA) | 0.5681% | 3,951 |
| Pretax return on assets | 0.6101% | 4,088 |
| Return on Equity (ROE) | 4.8773% | 3,928 |
| Retained earnings to average equity (ytd only) | 4.8773% | 2,617 |
| Net charge-offs to loans | 0.0836% | 1,473 |
| Credit loss provision to net charge-offs | 407.4074% | 1,445 |
| Earnings coverage of net charge-offs (x) | 14.6370% | 2,144 |
| Efficiency ratio | 78.4458% | 988 |
| Assets per employee ($millions) | 4.6097% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8754% | 616 |
| Loan loss allowance to noncurrent loans | 293.5266% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 2,382 |
| Noncurrent loans to loans | 0.6389% | 2,195 |
| Net loans and leases to total assets | 68.6221% | 2,159 |
| Net loans and leases to deposits | 79.8840% | 2,329 |
| Net loans and leases to core deposits | 81.0507% | 2,747 |
| Total domestic deposits to total assets | 85.9022% | 2,108 |
| Equity capital to assets | 11.1779% | 2,255 |
| Core capital (leverage) ratio | 11.4061% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9915% | 1,496 |
| Memoranda: | ||
| Average total assets | $311,658,250 | 2,211 |
| Average earning assets | $292,686,750 | 2,202 |
| Average equity | $36,303,500 | 2,150 |
| Average total loans | $215,328,500 | 2,137 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0874% | 3,082 |
| Cost of funding earning assets | 0.5647% | 3,158 |
| Net interest margin | 3.5227% | 2,717 |
| Noninterest income to average assets | 1.0685% | 876 |
| Noninterest expense to average assets | 3.7447% | 538 |
| Loan and lease loss provision to assets | 0.3155% | 1,357 |
| Net operating income to assets | 0.3345% | 4,356 |
| Return on assets (ROA) | 0.3345% | 4,413 |
| Pretax return on assets | 0.3103% | 4,522 |
| Return on Equity (ROE) | 2.8303% | 4,381 |
| Retained earnings to average equity (ytd only) | 2.8303% | 3,451 |
| Net charge-offs to loans | 0.1268% | 1,078 |
| Credit loss provision to net charge-offs | 361.6541% | 1,485 |
| Earnings coverage of net charge-offs (x) | 7.1729% | 2,389 |
| Efficiency ratio | 82.7255% | 713 |
| Assets per employee ($millions) | 4.5339% | 3,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9252% | 503 |
| Loan loss allowance to noncurrent loans | 255.2710% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 2,267 |
| Noncurrent loans to loans | 0.7542% | 1,996 |
| Net loans and leases to total assets | 66.8855% | 2,513 |
| Net loans and leases to deposits | 77.6786% | 2,696 |
| Net loans and leases to core deposits | 79.2197% | 3,008 |
| Total domestic deposits to total assets | 86.1054% | 1,967 |
| Equity capital to assets | 11.1321% | 2,224 |
| Core capital (leverage) ratio | 11.6505% | 1,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2338% | 1,431 |
| Memoranda: | ||
| Average total assets | $304,912,333 | 2,224 |
| Average earning assets | $285,804,000 | 2,215 |
| Average equity | $36,038,333 | 2,160 |
| Average total loans | $209,735,667 | 2,154 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2324% | 3,110 |
| Cost of funding earning assets | 0.6266% | 3,297 |
| Net interest margin | 3.6058% | 2,647 |
| Noninterest income to average assets | 0.9708% | 910 |
| Noninterest expense to average assets | 3.9186% | 551 |
| Loan and lease loss provision to assets | 0.1700% | 1,728 |
| Net operating income to assets | 0.3005% | 4,345 |
| Return on assets (ROA) | 0.3005% | 4,364 |
| Pretax return on assets | 0.2543% | 4,515 |
| Return on Equity (ROE) | 2.4644% | 4,349 |
| Retained earnings to average equity (ytd only) | 2.4644% | 3,283 |
| Net charge-offs to loans | -0.0098% | 4,076 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2611% | 523 |
| Assets per employee ($millions) | 4.1145% | 3,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9875% | 508 |
| Loan loss allowance to noncurrent loans | 219.4175% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 2,100 |
| Noncurrent loans to loans | 0.9058% | 1,802 |
| Net loans and leases to total assets | 67.7180% | 2,585 |
| Net loans and leases to deposits | 79.5480% | 2,722 |
| Net loans and leases to core deposits | 81.3878% | 3,077 |
| Total domestic deposits to total assets | 85.1286% | 2,364 |
| Equity capital to assets | 11.9890% | 2,080 |
| Core capital (leverage) ratio | 12.4469% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5846% | 1,218 |
| Memoranda: | ||
| Average total assets | $294,188,000 | 2,245 |
| Average earning assets | $275,114,000 | 2,225 |
| Average equity | $35,870,500 | 2,148 |
| Average total loans | $203,289,000 | 2,155 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4767% | 3,025 |
| Cost of funding earning assets | 0.6326% | 3,497 |
| Net interest margin | 3.8441% | 2,361 |
| Noninterest income to average assets | 0.8759% | 1,234 |
| Noninterest expense to average assets | 3.6628% | 796 |
| Loan and lease loss provision to assets | 0.0631% | 2,774 |
| Net operating income to assets | 0.6704% | 3,950 |
| Return on assets (ROA) | 0.6704% | 4,025 |
| Pretax return on assets | 0.7404% | 4,110 |
| Return on Equity (ROE) | 5.5813% | 4,043 |
| Retained earnings to average equity (ytd only) | 5.5813% | 2,114 |
| Net charge-offs to loans | -0.0026% | 4,253 |
| Credit loss provision to net charge-offs | -3,660.0000% | 4,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0725% | 939 |
| Assets per employee ($millions) | 4.0574% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9505% | 497 |
| Loan loss allowance to noncurrent loans | 228.2899% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 2,095 |
| Noncurrent loans to loans | 0.8544% | 1,802 |
| Net loans and leases to total assets | 67.7644% | 2,713 |
| Net loans and leases to deposits | 79.6508% | 2,818 |
| Net loans and leases to core deposits | 82.1435% | 3,109 |
| Total domestic deposits to total assets | 85.0768% | 2,460 |
| Equity capital to assets | 12.4000% | 1,885 |
| Core capital (leverage) ratio | 12.4971% | 1,489 |
| Tier 1 risk-based capital ratio | 16.4971% | 2,217 |
| Total risk-based capital ratio | 17.7573% | 2,157 |
| Memoranda: | ||
| Average total assets | $290,109,600 | 2,221 |
| Average earning assets | $270,958,000 | 2,200 |
| Average equity | $34,848,800 | 2,150 |
| Average total loans | $191,905,800 | 2,221 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5119% | 3,022 |
| Cost of funding earning assets | 0.6219% | 3,577 |
| Net interest margin | 3.8899% | 2,292 |
| Noninterest income to average assets | 0.7923% | 1,442 |
| Noninterest expense to average assets | 3.6071% | 839 |
| Loan and lease loss provision to assets | 0.0824% | 2,257 |
| Net operating income to assets | 0.6662% | 4,119 |
| Return on assets (ROA) | 0.6662% | 4,177 |
| Pretax return on assets | 0.7366% | 4,269 |
| Return on Equity (ROE) | 5.5913% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.5913% | 2,579 |
| Net charge-offs to loans | -0.0070% | 4,292 |
| Credit loss provision to net charge-offs | -1,790.0000% | 4,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0187% | 922 |
| Assets per employee ($millions) | 4.0977% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9481% | 509 |
| Loan loss allowance to noncurrent loans | 318.6084% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 2,768 |
| Noncurrent loans to loans | 0.6114% | 2,449 |
| Net loans and leases to total assets | 67.1811% | 2,902 |
| Net loans and leases to deposits | 81.6971% | 2,727 |
| Net loans and leases to core deposits | 84.6467% | 3,033 |
| Total domestic deposits to total assets | 82.2319% | 3,404 |
| Equity capital to assets | 12.1159% | 2,173 |
| Core capital (leverage) ratio | 12.2393% | 1,711 |
| Tier 1 risk-based capital ratio | 16.3918% | 2,303 |
| Total risk-based capital ratio | 17.6518% | 2,235 |
| Memoranda: | ||
| Average total assets | $289,604,500 | 2,234 |
| Average earning assets | $270,539,750 | 2,225 |
| Average equity | $34,505,000 | 2,179 |
| Average total loans | $189,407,750 | 2,262 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3821% | 3,382 |
| Cost of funding earning assets | 0.5881% | 3,715 |
| Net interest margin | 3.7941% | 2,600 |
| Noninterest income to average assets | 0.7498% | 1,526 |
| Noninterest expense to average assets | 3.6443% | 807 |
| Loan and lease loss provision to assets | 0.0014% | 3,673 |
| Net operating income to assets | 0.5844% | 4,346 |
| Return on assets (ROA) | 0.5844% | 4,386 |
| Pretax return on assets | 0.6463% | 4,457 |
| Return on Equity (ROE) | 4.9338% | 4,361 |
| Retained earnings to average equity (ytd only) | 4.9338% | 2,802 |
| Net charge-offs to loans | -0.0043% | 4,086 |
| Credit loss provision to net charge-offs | -50.0000% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9702% | 653 |
| Assets per employee ($millions) | 4.0535% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9710% | 499 |
| Loan loss allowance to noncurrent loans | 352.0150% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.3912% | 2,937 |
| Noncurrent loans to loans | 0.5599% | 2,589 |
| Net loans and leases to total assets | 64.9087% | 3,250 |
| Net loans and leases to deposits | 75.9370% | 3,343 |
| Net loans and leases to core deposits | 78.2416% | 3,558 |
| Total domestic deposits to total assets | 85.4771% | 2,272 |
| Equity capital to assets | 12.1702% | 2,067 |
| Core capital (leverage) ratio | 12.1219% | 1,741 |
| Tier 1 risk-based capital ratio | 16.8770% | 2,124 |
| Total risk-based capital ratio | 18.1371% | 2,063 |
| Memoranda: | ||
| Average total assets | $287,794,670 | 2,250 |
| Average earning assets | $268,681,000 | 2,239 |
| Average equity | $34,091,330 | 2,192 |
| Average total loans | $185,162,000 | 2,303 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3223% | 3,490 |
| Cost of funding earning assets | 0.5517% | 3,818 |
| Net interest margin | 3.7707% | 2,630 |
| Noninterest income to average assets | 0.7310% | 1,497 |
| Noninterest expense to average assets | 3.6356% | 812 |
| Loan and lease loss provision to assets | 0.0111% | 3,288 |
| Net operating income to assets | 0.5420% | 4,401 |
| Return on assets (ROA) | 0.5420% | 4,429 |
| Pretax return on assets | 0.5990% | 4,514 |
| Return on Equity (ROE) | 4.6537% | 4,424 |
| Retained earnings to average equity (ytd only) | 4.6537% | 3,060 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0409% | 641 |
| Assets per employee ($millions) | 4.1355% | 3,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0392% | 464 |
| Loan loss allowance to noncurrent loans | 354.1942% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 3,061 |
| Noncurrent loans to loans | 0.5757% | 2,601 |
| Net loans and leases to total assets | 61.4832% | 3,551 |
| Net loans and leases to deposits | 71.5874% | 3,633 |
| Net loans and leases to core deposits | 73.5923% | 3,822 |
| Total domestic deposits to total assets | 85.8855% | 2,328 |
| Equity capital to assets | 11.5701% | 2,331 |
| Core capital (leverage) ratio | 12.1665% | 1,686 |
| Tier 1 risk-based capital ratio | 17.1804% | 2,051 |
| Total risk-based capital ratio | 18.4416% | 1,991 |
| Memoranda: | ||
| Average total assets | $287,820,000 | 2,263 |
| Average earning assets | $268,281,500 | 2,254 |
| Average equity | $33,522,000 | 2,216 |
| Average total loans | $182,461,000 | 2,343 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 3,283 |
| Cost of funding earning assets | 0.4227% | 3,839 |
| Net interest margin | 3.8245% | 2,579 |
| Noninterest income to average assets | 0.9209% | 1,128 |
| Noninterest expense to average assets | 3.8394% | 654 |
| Loan and lease loss provision to assets | 0.0394% | 3,410 |
| Net operating income to assets | 0.4865% | 4,689 |
| Return on assets (ROA) | 0.4865% | 4,687 |
| Pretax return on assets | 0.5867% | 4,657 |
| Return on Equity (ROE) | 4.2095% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.2095% | 3,237 |
| Net charge-offs to loans | -0.0479% | 4,959 |
| Credit loss provision to net charge-offs | -125.0000% | 4,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8342% | 593 |
| Assets per employee ($millions) | 3.9169% | 4,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0760% | 416 |
| Loan loss allowance to noncurrent loans | 342.7788% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 2,926 |
| Noncurrent loans to loans | 0.6056% | 2,462 |
| Net loans and leases to total assets | 62.7214% | 3,492 |
| Net loans and leases to deposits | 73.1180% | 3,576 |
| Net loans and leases to core deposits | 75.0418% | 3,783 |
| Total domestic deposits to total assets | 85.7812% | 2,334 |
| Equity capital to assets | 11.7268% | 2,078 |
| Core capital (leverage) ratio | 12.4123% | 1,506 |
| Tier 1 risk-based capital ratio | 17.4866% | 1,905 |
| Total risk-based capital ratio | 18.7487% | 1,856 |
| Memoranda: | ||
| Average total assets | $279,521,000 | 2,272 |
| Average earning assets | $259,065,600 | 2,272 |
| Average equity | $32,308,000 | 2,197 |
| Average total loans | $183,615,000 | 2,307 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2279% | 3,213 |
| Cost of funding earning assets | 0.3932% | 3,912 |
| Net interest margin | 3.8347% | 2,510 |
| Noninterest income to average assets | 0.9255% | 1,121 |
| Noninterest expense to average assets | 3.8551% | 625 |
| Loan and lease loss provision to assets | 0.0464% | 3,056 |
| Net operating income to assets | 0.4604% | 4,837 |
| Return on assets (ROA) | 0.4604% | 4,845 |
| Pretax return on assets | 0.5765% | 4,771 |
| Return on Equity (ROE) | 3.9978% | 4,818 |
| Retained earnings to average equity (ytd only) | 3.9978% | 3,771 |
| Net charge-offs to loans | -0.0629% | 5,016 |
| Credit loss provision to net charge-offs | -111.4943% | 4,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8190% | 591 |
| Assets per employee ($millions) | 3.9632% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0160% | 472 |
| Loan loss allowance to noncurrent loans | 359.9229% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.5429% | 2,565 |
| Noncurrent loans to loans | 0.5601% | 2,702 |
| Net loans and leases to total assets | 65.4524% | 3,248 |
| Net loans and leases to deposits | 76.2726% | 3,394 |
| Net loans and leases to core deposits | 78.2089% | 3,639 |
| Total domestic deposits to total assets | 85.8137% | 2,278 |
| Equity capital to assets | 11.6468% | 2,148 |
| Core capital (leverage) ratio | 12.3241% | 1,592 |
| Tier 1 risk-based capital ratio | 16.8502% | 2,155 |
| Total risk-based capital ratio | 18.1117% | 2,101 |
| Memoranda: | ||
| Average total assets | $278,896,250 | 2,290 |
| Average earning assets | $258,372,750 | 2,292 |
| Average equity | $32,117,000 | 2,211 |
| Average total loans | $184,359,500 | 2,312 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 3,193 |
| Cost of funding earning assets | 0.3700% | 3,937 |
| Net interest margin | 3.8042% | 2,551 |
| Noninterest income to average assets | 0.9234% | 1,121 |
| Noninterest expense to average assets | 4.0045% | 529 |
| Loan and lease loss provision to assets | 0.0730% | 2,428 |
| Net operating income to assets | 0.2577% | 5,176 |
| Return on assets (ROA) | 0.2577% | 5,172 |
| Pretax return on assets | 0.3637% | 5,091 |
| Return on Equity (ROE) | 2.2463% | 5,146 |
| Retained earnings to average equity (ytd only) | 2.2463% | 4,381 |
| Net charge-offs to loans | -0.0761% | 5,064 |
| Credit loss provision to net charge-offs | -145.7143% | 4,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8943% | 415 |
| Assets per employee ($millions) | 3.9640% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0471% | 478 |
| Loan loss allowance to noncurrent loans | 1,724.0741% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 3,776 |
| Noncurrent loans to loans | 0.1187% | 4,372 |
| Net loans and leases to total assets | 64.2180% | 3,372 |
| Net loans and leases to deposits | 74.6782% | 3,469 |
| Net loans and leases to core deposits | 76.5693% | 3,695 |
| Total domestic deposits to total assets | 85.9929% | 2,282 |
| Equity capital to assets | 11.5212% | 2,184 |
| Core capital (leverage) ratio | 12.0516% | 1,678 |
| Tier 1 risk-based capital ratio | 16.8221% | 2,156 |
| Total risk-based capital ratio | 18.0839% | 2,103 |
| Memoranda: | ||
| Average total assets | $279,387,330 | 2,294 |
| Average earning assets | $258,345,330 | 2,289 |
| Average equity | $32,052,330 | 2,223 |
| Average total loans | $184,040,670 | 2,314 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 3,151 |
| Cost of funding earning assets | 0.3441% | 4,031 |
| Net interest margin | 3.7794% | 2,505 |
| Noninterest income to average assets | 0.8614% | 1,262 |
| Noninterest expense to average assets | 3.8052% | 673 |
| Loan and lease loss provision to assets | 0.0014% | 3,497 |
| Net operating income to assets | 0.4792% | 4,741 |
| Return on assets (ROA) | 0.4792% | 4,744 |
| Pretax return on assets | 0.5320% | 4,823 |
| Return on Equity (ROE) | 4.1689% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.1689% | 3,523 |
| Net charge-offs to loans | -0.0475% | 4,949 |
| Credit loss provision to net charge-offs | -4.5455% | 3,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5220% | 612 |
| Assets per employee ($millions) | 4.0415% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9566% | 591 |
| Loan loss allowance to noncurrent loans | 664.4981% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 3,418 |
| Noncurrent loans to loans | 0.2944% | 3,713 |
| Net loans and leases to total assets | 63.3235% | 3,392 |
| Net loans and leases to deposits | 73.4908% | 3,466 |
| Net loans and leases to core deposits | 75.2184% | 3,723 |
| Total domestic deposits to total assets | 86.1652% | 2,471 |
| Equity capital to assets | 11.2710% | 2,328 |
| Core capital (leverage) ratio | 12.0030% | 1,649 |
| Tier 1 risk-based capital ratio | 16.4243% | 2,303 |
| Total risk-based capital ratio | 17.6847% | 2,240 |
| Memoranda: | ||
| Average total assets | $280,459,000 | 2,300 |
| Average earning assets | $258,030,500 | 2,309 |
| Average equity | $32,239,000 | 2,221 |
| Average total loans | $185,103,000 | 2,320 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0107% | 3,367 |
| Cost of funding earning assets | 0.3426% | 3,775 |
| Net interest margin | 3.6681% | 2,923 |
| Noninterest income to average assets | 0.9453% | 1,152 |
| Noninterest expense to average assets | 3.3920% | 1,213 |
| Loan and lease loss provision to assets | 0.1350% | 1,701 |
| Net operating income to assets | 0.4399% | 4,563 |
| Return on assets (ROA) | 0.4399% | 4,592 |
| Pretax return on assets | 0.8011% | 4,237 |
| Return on Equity (ROE) | 3.8137% | 4,555 |
| Retained earnings to average equity (ytd only) | 3.8137% | 2,933 |
| Net charge-offs to loans | -0.0419% | 5,139 |
| Credit loss provision to net charge-offs | -498.6842% | 4,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2035% | 1,456 |
| Assets per employee ($millions) | 4.1495% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8945% | 652 |
| Loan loss allowance to noncurrent loans | 553.2710% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2579% | 3,847 |
| Noncurrent loans to loans | 0.3424% | 3,533 |
| Net loans and leases to total assets | 66.1601% | 3,083 |
| Net loans and leases to deposits | 77.2126% | 3,202 |
| Net loans and leases to core deposits | 78.2299% | 3,570 |
| Total domestic deposits to total assets | 85.6857% | 2,584 |
| Equity capital to assets | 11.7231% | 2,020 |
| Core capital (leverage) ratio | 12.0201% | 1,593 |
| Tier 1 risk-based capital ratio | 15.8186% | 2,502 |
| Total risk-based capital ratio | 17.0790% | 2,447 |
| Memoranda: | ||
| Average total assets | $280,749,600 | 2,285 |
| Average earning assets | $258,904,600 | 2,286 |
| Average equity | $32,383,400 | 2,200 |
| Average total loans | $181,225,600 | 2,315 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9948% | 3,377 |
| Cost of funding earning assets | 0.3476% | 3,695 |
| Net interest margin | 3.6472% | 2,964 |
| Noninterest income to average assets | 0.9650% | 1,105 |
| Noninterest expense to average assets | 3.3073% | 1,326 |
| Loan and lease loss provision to assets | 0.1274% | 1,697 |
| Net operating income to assets | 0.8655% | 3,199 |
| Return on assets (ROA) | 0.8655% | 3,248 |
| Pretax return on assets | 0.9011% | 4,043 |
| Return on Equity (ROE) | 7.5343% | 3,375 |
| Retained earnings to average equity (ytd only) | 7.5343% | 1,415 |
| Net charge-offs to loans | -0.0438% | 5,123 |
| Credit loss provision to net charge-offs | -455.9322% | 4,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1093% | 1,721 |
| Assets per employee ($millions) | 4.0585% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8913% | 713 |
| Loan loss allowance to noncurrent loans | 1,578.3410% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 4,688 |
| Noncurrent loans to loans | 0.1198% | 4,579 |
| Net loans and leases to total assets | 63.4453% | 3,494 |
| Net loans and leases to deposits | 76.1701% | 3,356 |
| Net loans and leases to core deposits | 77.1920% | 3,709 |
| Total domestic deposits to total assets | 83.2942% | 3,359 |
| Equity capital to assets | 11.8728% | 2,053 |
| Core capital (leverage) ratio | 11.9962% | 1,690 |
| Tier 1 risk-based capital ratio | 16.5765% | 2,298 |
| Total risk-based capital ratio | 17.8375% | 2,245 |
| Memoranda: | ||
| Average total assets | $281,433,250 | 2,294 |
| Average earning assets | $260,100,250 | 2,296 |
| Average equity | $32,331,250 | 2,221 |
| Average total loans | $179,660,250 | 2,342 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9673% | 3,325 |
| Cost of funding earning assets | 0.3422% | 3,662 |
| Net interest margin | 3.6250% | 2,934 |
| Noninterest income to average assets | 0.9908% | 1,034 |
| Noninterest expense to average assets | 3.3693% | 1,230 |
| Loan and lease loss provision to assets | 0.1498% | 1,352 |
| Net operating income to assets | 0.6452% | 4,108 |
| Return on assets (ROA) | 0.6452% | 4,156 |
| Pretax return on assets | 0.8248% | 4,183 |
| Return on Equity (ROE) | 5.7461% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.7461% | 2,264 |
| Net charge-offs to loans | -0.0212% | 4,799 |
| Credit loss provision to net charge-offs | -1,110.5263% | 4,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3725% | 1,660 |
| Assets per employee ($millions) | 4.0634% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8369% | 824 |
| Loan loss allowance to noncurrent loans | 3,539.3617% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 4,930 |
| Noncurrent loans to loans | 0.0519% | 4,932 |
| Net loans and leases to total assets | 63.4148% | 3,467 |
| Net loans and leases to deposits | 74.4545% | 3,496 |
| Net loans and leases to core deposits | 75.4398% | 3,823 |
| Total domestic deposits to total assets | 85.1726% | 2,743 |
| Equity capital to assets | 11.4637% | 2,347 |
| Core capital (leverage) ratio | 11.3690% | 2,074 |
| Tier 1 risk-based capital ratio | 15.9389% | 2,528 |
| Total risk-based capital ratio | 17.1991% | 2,465 |
| Memoranda: | ||
| Average total assets | $281,782,000 | 2,300 |
| Average earning assets | $260,633,000 | 2,294 |
| Average equity | $31,639,000 | 2,255 |
| Average total loans | $179,182,330 | 2,349 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8864% | 3,442 |
| Cost of funding earning assets | 0.3313% | 3,738 |
| Net interest margin | 3.5551% | 3,061 |
| Noninterest income to average assets | 0.9544% | 1,094 |
| Noninterest expense to average assets | 3.3347% | 1,321 |
| Loan and lease loss provision to assets | 0.1161% | 1,653 |
| Net operating income to assets | 0.6414% | 3,971 |
| Return on assets (ROA) | 0.6414% | 4,008 |
| Pretax return on assets | 0.7859% | 4,162 |
| Return on Equity (ROE) | 5.7729% | 4,009 |
| Retained earnings to average equity (ytd only) | 5.7729% | 2,454 |
| Net charge-offs to loans | -0.0269% | 4,876 |
| Credit loss provision to net charge-offs | -683.3333% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8409% | 1,653 |
| Assets per employee ($millions) | 4.1187% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8218% | 920 |
| Loan loss allowance to noncurrent loans | 5,501.7241% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 5,088 |
| Noncurrent loans to loans | 0.0331% | 5,068 |
| Net loans and leases to total assets | 59.6461% | 3,822 |
| Net loans and leases to deposits | 69.5816% | 3,843 |
| Net loans and leases to core deposits | 70.4136% | 4,118 |
| Total domestic deposits to total assets | 85.7211% | 2,788 |
| Equity capital to assets | 10.9723% | 2,657 |
| Core capital (leverage) ratio | 11.3267% | 2,078 |
| Tier 1 risk-based capital ratio | 16.3120% | 2,429 |
| Total risk-based capital ratio | 17.5722% | 2,368 |
| Memoranda: | ||
| Average total assets | $282,486,500 | 2,309 |
| Average earning assets | $260,810,000 | 2,314 |
| Average equity | $31,388,000 | 2,268 |
| Average total loans | $178,211,000 | 2,378 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 2,745 |
| Cost of funding earning assets | 0.3567% | 3,447 |
| Net interest margin | 3.7708% | 2,429 |
| Noninterest income to average assets | 1.0201% | 1,088 |
| Noninterest expense to average assets | 4.0780% | 540 |
| Loan and lease loss provision to assets | 0.1282% | 1,939 |
| Net operating income to assets | 0.2932% | 5,235 |
| Return on assets (ROA) | 0.2888% | 5,316 |
| Pretax return on assets | 0.2937% | 5,371 |
| Return on Equity (ROE) | 2.6418% | 5,259 |
| Retained earnings to average equity (ytd only) | 2.6418% | 4,017 |
| Net charge-offs to loans | -0.0135% | 5,019 |
| Credit loss provision to net charge-offs | -1,491.3043% | 5,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8631% | 563 |
| Assets per employee ($millions) | 3.8967% | 4,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7085% | 1,123 |
| Loan loss allowance to noncurrent loans | 1,420.6422% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 4,847 |
| Noncurrent loans to loans | 0.1203% | 4,752 |
| Net loans and leases to total assets | 64.3990% | 3,306 |
| Net loans and leases to deposits | 75.5140% | 3,368 |
| Net loans and leases to core deposits | 76.2760% | 3,727 |
| Total domestic deposits to total assets | 85.2808% | 2,931 |
| Equity capital to assets | 11.2562% | 2,367 |
| Core capital (leverage) ratio | 11.3378% | 2,050 |
| Tier 1 risk-based capital ratio | 15.6867% | 2,676 |
| Total risk-based capital ratio | 16.9471% | 2,597 |
| Memoranda: | ||
| Average total assets | $267,628,200 | 2,379 |
| Average earning assets | $247,293,000 | 2,383 |
| Average equity | $29,260,800 | 2,426 |
| Average total loans | $170,975,800 | 2,404 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1522% | 2,674 |
| Cost of funding earning assets | 0.3602% | 3,430 |
| Net interest margin | 3.7920% | 2,358 |
| Noninterest income to average assets | 0.9622% | 1,233 |
| Noninterest expense to average assets | 4.2647% | 462 |
| Loan and lease loss provision to assets | 0.1166% | 1,983 |
| Net operating income to assets | 0.1603% | 5,535 |
| Return on assets (ROA) | 0.1568% | 5,600 |
| Pretax return on assets | 0.0899% | 5,686 |
| Return on Equity (ROE) | 1.4449% | 5,569 |
| Retained earnings to average equity (ytd only) | 1.4449% | 4,935 |
| Net charge-offs to loans | -0.0150% | 4,908 |
| Credit loss provision to net charge-offs | -1,221.0526% | 5,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6328% | 364 |
| Assets per employee ($millions) | 3.8040% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6705% | 1,286 |
| Loan loss allowance to noncurrent loans | 1,713.7931% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 5,022 |
| Noncurrent loans to loans | 0.0975% | 4,954 |
| Net loans and leases to total assets | 64.0885% | 3,388 |
| Net loans and leases to deposits | 76.1778% | 3,383 |
| Net loans and leases to core deposits | 77.0462% | 3,750 |
| Total domestic deposits to total assets | 84.1301% | 3,170 |
| Equity capital to assets | 11.3801% | 2,622 |
| Core capital (leverage) ratio | 11.1294% | 2,332 |
| Tier 1 risk-based capital ratio | 15.6601% | 2,766 |
| Total risk-based capital ratio | 16.9203% | 2,693 |
| Memoranda: | ||
| Average total assets | $265,368,750 | 2,400 |
| Average earning assets | $245,810,000 | 2,402 |
| Average equity | $28,790,500 | 2,473 |
| Average total loans | $168,403,000 | 2,432 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9828% | 3,300 |
| Cost of funding earning assets | 0.3619% | 3,432 |
| Net interest margin | 3.6209% | 3,015 |
| Noninterest income to average assets | 0.8837% | 1,427 |
| Noninterest expense to average assets | 4.0109% | 582 |
| Loan and lease loss provision to assets | 0.0983% | 2,196 |
| Net operating income to assets | 0.1288% | 5,636 |
| Return on assets (ROA) | 0.1295% | 5,683 |
| Pretax return on assets | 0.1440% | 5,675 |
| Return on Equity (ROE) | 1.2621% | 5,645 |
| Retained earnings to average equity (ytd only) | 1.2621% | 4,882 |
| Net charge-offs to loans | -0.0217% | 4,980 |
| Credit loss provision to net charge-offs | -716.6667% | 5,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5865% | 428 |
| Assets per employee ($millions) | 3.7334% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5912% | 1,554 |
| Loan loss allowance to noncurrent loans | 1,344.8598% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 5,220 |
| Noncurrent loans to loans | 0.1183% | 4,973 |
| Net loans and leases to total assets | 64.4257% | 3,301 |
| Net loans and leases to deposits | 77.2280% | 3,241 |
| Net loans and leases to core deposits | 78.2128% | 3,625 |
| Total domestic deposits to total assets | 83.4227% | 3,498 |
| Equity capital to assets | 10.5420% | 3,584 |
| Core capital (leverage) ratio | 11.0849% | 2,342 |
| Tier 1 risk-based capital ratio | 15.5412% | 2,843 |
| Total risk-based capital ratio | 16.7972% | 2,779 |
| Memoranda: | ||
| Average total assets | $262,534,000 | 2,438 |
| Average earning assets | $244,248,670 | 2,427 |
| Average equity | $26,938,670 | 2,599 |
| Average total loans | $166,014,330 | 2,460 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0726% | 2,957 |
| Cost of funding earning assets | 0.3710% | 3,386 |
| Net interest margin | 3.7016% | 2,664 |
| Noninterest income to average assets | 0.8230% | 1,547 |
| Noninterest expense to average assets | 4.5388% | 380 |
| Loan and lease loss provision to assets | -0.0078% | 5,885 |
| Net operating income to assets | -0.1831% | 5,879 |
| Return on assets (ROA) | -0.1831% | 5,895 |
| Pretax return on assets | -0.2738% | 5,908 |
| Return on Equity (ROE) | -1.8108% | 5,902 |
| Retained earnings to average equity (ytd only) | -1.8108% | 5,370 |
| Net charge-offs to loans | -0.0227% | 4,918 |
| Credit loss provision to net charge-offs | 55.5556% | 2,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8067% | 195 |
| Assets per employee ($millions) | 3.9740% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 1,871 |
| Loan loss allowance to noncurrent loans | 1,154.0084% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 5,242 |
| Noncurrent loans to loans | 0.1323% | 4,946 |
| Net loans and leases to total assets | 62.5273% | 3,453 |
| Net loans and leases to deposits | 72.8694% | 3,564 |
| Net loans and leases to core deposits | 73.6761% | 3,925 |
| Total domestic deposits to total assets | 85.8074% | 2,766 |
| Equity capital to assets | 10.1391% | 3,908 |
| Core capital (leverage) ratio | 10.8806% | 2,538 |
| Tier 1 risk-based capital ratio | 15.5339% | 2,897 |
| Total risk-based capital ratio | 16.7895% | 2,828 |
| Memoranda: | ||
| Average total assets | $255,663,500 | 2,495 |
| Average earning assets | $237,197,000 | 2,487 |
| Average equity | $25,845,500 | 2,677 |
| Average total loans | $158,586,500 | 2,546 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4933% | 4,939 |
| Cost of funding earning assets | 0.3204% | 4,026 |
| Net interest margin | 3.1730% | 4,707 |
| Noninterest income to average assets | 0.9340% | 1,350 |
| Noninterest expense to average assets | 3.3559% | 1,592 |
| Loan and lease loss provision to assets | 0.0375% | 3,599 |
| Net operating income to assets | 0.5762% | 4,396 |
| Return on assets (ROA) | 0.5753% | 4,490 |
| Pretax return on assets | 0.4870% | 5,138 |
| Return on Equity (ROE) | 5.8346% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.8346% | 1,874 |
| Net charge-offs to loans | -0.0183% | 5,244 |
| Credit loss provision to net charge-offs | -348.0000% | 5,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2990% | 1,061 |
| Assets per employee ($millions) | 4.3240% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9788% | 833 |
| Loan loss allowance to noncurrent loans | 1,177.1552% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 5,199 |
| Noncurrent loans to loans | 0.1681% | 4,819 |
| Net loans and leases to total assets | 59.0312% | 3,965 |
| Net loans and leases to deposits | 68.0214% | 4,128 |
| Net loans and leases to core deposits | 69.0413% | 4,375 |
| Total domestic deposits to total assets | 86.7833% | 2,240 |
| Equity capital to assets | 10.0723% | 3,884 |
| Core capital (leverage) ratio | 11.3228% | 2,108 |
| Tier 1 risk-based capital ratio | 16.0615% | 2,660 |
| Total risk-based capital ratio | 17.3222% | 2,604 |
| Memoranda: | ||
| Average total assets | $232,218,600 | 2,646 |
| Average earning assets | $215,696,600 | 2,629 |
| Average equity | $22,898,000 | 2,887 |
| Average total loans | $136,530,800 | 2,772 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4689% | 5,050 |
| Cost of funding earning assets | 0.3311% | 3,976 |
| Net interest margin | 3.1378% | 4,857 |
| Noninterest income to average assets | 0.9340% | 1,362 |
| Noninterest expense to average assets | 3.3249% | 1,637 |
| Loan and lease loss provision to assets | 0.0275% | 3,704 |
| Net operating income to assets | 0.6043% | 4,365 |
| Return on assets (ROA) | 0.6192% | 4,397 |
| Pretax return on assets | 0.5196% | 5,174 |
| Return on Equity (ROE) | 6.3130% | 4,001 |
| Retained earnings to average equity (ytd only) | 6.3130% | 2,059 |
| Net charge-offs to loans | -0.0196% | 5,203 |
| Credit loss provision to net charge-offs | -240.0000% | 5,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0148% | 1,083 |
| Assets per employee ($millions) | 4.1867% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9029% | 1,068 |
| Loan loss allowance to noncurrent loans | 5,841.3043% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 5,713 |
| Noncurrent loans to loans | 0.0326% | 5,488 |
| Net loans and leases to total assets | 61.2686% | 3,698 |
| Net loans and leases to deposits | 72.9128% | 3,660 |
| Net loans and leases to core deposits | 74.0533% | 4,012 |
| Total domestic deposits to total assets | 84.0300% | 3,412 |
| Equity capital to assets | 10.1725% | 3,969 |
| Core capital (leverage) ratio | 10.9703% | 2,519 |
| Tier 1 risk-based capital ratio | 15.5866% | 3,008 |
| Total risk-based capital ratio | 16.8469% | 2,930 |
| Memoranda: | ||
| Average total assets | $232,980,250 | 2,662 |
| Average earning assets | $217,047,250 | 2,629 |
| Average equity | $22,851,750 | 2,914 |
| Average total loans | $136,160,000 | 2,796 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4091% | 5,211 |
| Cost of funding earning assets | 0.3413% | 3,905 |
| Net interest margin | 3.0678% | 5,051 |
| Noninterest income to average assets | 0.9232% | 1,374 |
| Noninterest expense to average assets | 3.1877% | 2,014 |
| Loan and lease loss provision to assets | 0.1054% | 2,070 |
| Net operating income to assets | 0.6095% | 4,297 |
| Return on assets (ROA) | 0.6214% | 4,371 |
| Pretax return on assets | 0.4998% | 5,226 |
| Return on Equity (ROE) | 6.4114% | 3,926 |
| Retained earnings to average equity (ytd only) | 6.4114% | 1,993 |
| Net charge-offs to loans | -0.0178% | 5,139 |
| Credit loss provision to net charge-offs | -1,033.3333% | 5,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0935% | 1,354 |
| Assets per employee ($millions) | 4.2509% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9891% | 1,005 |
| Loan loss allowance to noncurrent loans | 1,370.6468% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 5,511 |
| Noncurrent loans to loans | 0.1451% | 5,167 |
| Net loans and leases to total assets | 59.1376% | 3,955 |
| Net loans and leases to deposits | 67.9533% | 4,139 |
| Net loans and leases to core deposits | 68.9623% | 4,417 |
| Total domestic deposits to total assets | 87.0268% | 2,155 |
| Equity capital to assets | 9.8427% | 4,230 |
| Core capital (leverage) ratio | 10.5377% | 2,906 |
| Tier 1 risk-based capital ratio | 15.5399% | 3,080 |
| Total risk-based capital ratio | 16.8006% | 3,022 |
| Memoranda: | ||
| Average total assets | $235,280,330 | 2,653 |
| Average earning assets | $219,179,670 | 2,626 |
| Average equity | $22,803,000 | 2,927 |
| Average total loans | $134,479,000 | 2,840 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3260% | 5,384 |
| Cost of funding earning assets | 0.3456% | 3,920 |
| Net interest margin | 2.9804% | 5,270 |
| Noninterest income to average assets | 0.8720% | 1,491 |
| Noninterest expense to average assets | 3.1748% | 2,050 |
| Loan and lease loss provision to assets | 0.1263% | 1,640 |
| Net operating income to assets | 0.3569% | 5,233 |
| Return on assets (ROA) | 0.3804% | 5,262 |
| Pretax return on assets | 0.3821% | 5,463 |
| Return on Equity (ROE) | 3.8396% | 5,045 |
| Retained earnings to average equity (ytd only) | 3.8396% | 3,698 |
| Net charge-offs to loans | -0.0121% | 4,806 |
| Credit loss provision to net charge-offs | -1,875.0000% | 5,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6946% | 1,209 |
| Assets per employee ($millions) | 4.5234% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0097% | 1,057 |
| Loan loss allowance to noncurrent loans | 1,466.3043% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 5,634 |
| Noncurrent loans to loans | 0.1371% | 5,286 |
| Net loans and leases to total assets | 54.8719% | 4,332 |
| Net loans and leases to deposits | 62.2977% | 4,549 |
| Net loans and leases to core deposits | 64.6058% | 4,647 |
| Total domestic deposits to total assets | 88.0801% | 1,774 |
| Equity capital to assets | 9.8435% | 4,332 |
| Core capital (leverage) ratio | 10.1122% | 3,455 |
| Tier 1 risk-based capital ratio | 16.2463% | 2,804 |
| Total risk-based capital ratio | 17.5081% | 2,742 |
| Memoranda: | ||
| Average total assets | $237,622,500 | 2,656 |
| Average earning assets | $222,251,500 | 2,620 |
| Average equity | $23,544,000 | 2,880 |
| Average total loans | $132,465,500 | 2,872 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1517% | 5,898 |
| Cost of funding earning assets | 0.3837% | 3,864 |
| Net interest margin | 2.7680% | 5,852 |
| Noninterest income to average assets | 0.8086% | 1,839 |
| Noninterest expense to average assets | 3.2807% | 1,973 |
| Loan and lease loss provision to assets | -0.3616% | 6,405 |
| Net operating income to assets | 0.4129% | 5,180 |
| Return on assets (ROA) | 0.4129% | 5,238 |
| Pretax return on assets | 0.4518% | 5,381 |
| Return on Equity (ROE) | 4.2465% | 5,002 |
| Retained earnings to average equity (ytd only) | 4.2465% | 3,169 |
| Net charge-offs to loans | 0.0160% | 4,553 |
| Credit loss provision to net charge-offs | -4,452.6316% | 6,049 |
| Earnings coverage of net charge-offs (x) | 11.1053% | 2,544 |
| Efficiency ratio | 95.9807% | 508 |
| Assets per employee ($millions) | 4.4435% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0041% | 1,106 |
| Loan loss allowance to noncurrent loans | 1,522.6744% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 5,738 |
| Noncurrent loans to loans | 0.1316% | 5,374 |
| Net loans and leases to total assets | 54.3785% | 4,533 |
| Net loans and leases to deposits | 61.8429% | 4,739 |
| Net loans and leases to core deposits | 64.7872% | 4,771 |
| Total domestic deposits to total assets | 87.9301% | 1,813 |
| Equity capital to assets | 9.9740% | 4,144 |
| Core capital (leverage) ratio | 10.0816% | 3,460 |
| Tier 1 risk-based capital ratio | 16.1303% | 2,904 |
| Total risk-based capital ratio | 17.3924% | 2,837 |
| Memoranda: | ||
| Average total assets | $233,978,000 | 2,663 |
| Average earning assets | $216,582,000 | 2,650 |
| Average equity | $22,748,000 | 2,875 |
| Average total loans | $118,899,200 | 3,068 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1073% | 6,021 |
| Cost of funding earning assets | 0.3875% | 3,930 |
| Net interest margin | 2.7198% | 5,982 |
| Noninterest income to average assets | 0.8310% | 1,773 |
| Noninterest expense to average assets | 3.2654% | 1,979 |
| Loan and lease loss provision to assets | -0.3425% | 6,488 |
| Net operating income to assets | 0.3978% | 5,255 |
| Return on assets (ROA) | 0.3978% | 5,333 |
| Pretax return on assets | 0.4201% | 5,540 |
| Return on Equity (ROE) | 4.1188% | 5,124 |
| Retained earnings to average equity (ytd only) | 4.1188% | 3,723 |
| Net charge-offs to loans | 0.0265% | 3,977 |
| Credit loss provision to net charge-offs | -2,608.6957% | 5,997 |
| Earnings coverage of net charge-offs (x) | 5.9123% | 3,172 |
| Efficiency ratio | 96.4316% | 489 |
| Assets per employee ($millions) | 4.4430% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4539% | 682 |
| Loan loss allowance to noncurrent loans | 294.6447% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 4,683 |
| Noncurrent loans to loans | 0.8328% | 3,491 |
| Net loans and leases to total assets | 48.2969% | 5,180 |
| Net loans and leases to deposits | 54.8530% | 5,318 |
| Net loans and leases to core deposits | 57.3563% | 5,372 |
| Total domestic deposits to total assets | 88.0479% | 1,733 |
| Equity capital to assets | 9.8263% | 4,389 |
| Core capital (leverage) ratio | 9.9651% | 3,730 |
| Tier 1 risk-based capital ratio | 17.5880% | 2,360 |
| Total risk-based capital ratio | 18.8550% | 2,314 |
| Memoranda: | ||
| Average total assets | $233,596,750 | 2,682 |
| Average earning assets | $215,744,000 | 2,672 |
| Average equity | $22,562,750 | 2,895 |
| Average total loans | $115,953,500 | 3,130 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1182% | 6,042 |
| Cost of funding earning assets | 0.3947% | 3,917 |
| Net interest margin | 2.7235% | 6,022 |
| Noninterest income to average assets | 0.7932% | 1,859 |
| Noninterest expense to average assets | 3.2502% | 2,051 |
| Loan and lease loss provision to assets | -0.0429% | 6,285 |
| Net operating income to assets | 0.1957% | 5,848 |
| Return on assets (ROA) | 0.1957% | 5,904 |
| Pretax return on assets | 0.0919% | 6,105 |
| Return on Equity (ROE) | 2.0384% | 5,829 |
| Retained earnings to average equity (ytd only) | 2.0384% | 4,870 |
| Net charge-offs to loans | -0.0415% | 5,790 |
| Credit loss provision to net charge-offs | 208.3333% | 1,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6581% | 482 |
| Assets per employee ($millions) | 3.9596% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0759% | 351 |
| Loan loss allowance to noncurrent loans | 280.2269% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.5373% | 4,382 |
| Noncurrent loans to loans | 1.0977% | 3,031 |
| Net loans and leases to total assets | 47.4466% | 5,224 |
| Net loans and leases to deposits | 53.8512% | 5,371 |
| Net loans and leases to core deposits | 56.4716% | 5,380 |
| Total domestic deposits to total assets | 88.1069% | 1,842 |
| Equity capital to assets | 9.8287% | 4,312 |
| Core capital (leverage) ratio | 10.0097% | 3,597 |
| Tier 1 risk-based capital ratio | 17.9948% | 2,245 |
| Total risk-based capital ratio | 19.2681% | 2,205 |
| Memoranda: | ||
| Average total assets | $232,968,670 | 2,699 |
| Average earning assets | $214,354,670 | 2,691 |
| Average equity | $22,370,670 | 2,907 |
| Average total loans | $115,741,000 | 3,141 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1644% | 6,049 |
| Cost of funding earning assets | 0.4151% | 3,816 |
| Net interest margin | 2.7493% | 6,030 |
| Noninterest income to average assets | 0.7433% | 1,974 |
| Noninterest expense to average assets | 3.2869% | 1,974 |
| Loan and lease loss provision to assets | -0.0034% | 6,373 |
| Net operating income to assets | 0.1654% | 5,891 |
| Return on assets (ROA) | 0.1654% | 5,932 |
| Pretax return on assets | -0.0222% | 6,233 |
| Return on Equity (ROE) | 1.7423% | 5,858 |
| Retained earnings to average equity (ytd only) | 1.7423% | 4,914 |
| Net charge-offs to loans | -0.0102% | 5,054 |
| Credit loss provision to net charge-offs | 66.6667% | 2,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3659% | 458 |
| Assets per employee ($millions) | 3.8614% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0720% | 398 |
| Loan loss allowance to noncurrent loans | 225.1292% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.6682% | 4,112 |
| Noncurrent loans to loans | 1.3645% | 2,746 |
| Net loans and leases to total assets | 47.4612% | 5,194 |
| Net loans and leases to deposits | 53.5873% | 5,322 |
| Net loans and leases to core deposits | 56.7837% | 5,295 |
| Total domestic deposits to total assets | 88.5680% | 1,907 |
| Equity capital to assets | 9.6386% | 4,308 |
| Core capital (leverage) ratio | 9.8619% | 3,773 |
| Tier 1 risk-based capital ratio | 17.7239% | 2,401 |
| Total risk-based capital ratio | 18.9976% | 2,361 |
| Memoranda: | ||
| Average total assets | $234,626,000 | 2,695 |
| Average earning assets | $214,887,500 | 2,697 |
| Average equity | $22,270,000 | 2,920 |
| Average total loans | $117,401,000 | 3,129 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3145% | 5,982 |
| Cost of funding earning assets | 0.4501% | 4,115 |
| Net interest margin | 2.8644% | 5,873 |
| Noninterest income to average assets | 0.9469% | 1,532 |
| Noninterest expense to average assets | 3.3241% | 2,074 |
| Loan and lease loss provision to assets | -0.2570% | 6,646 |
| Net operating income to assets | 0.3821% | 5,210 |
| Return on assets (ROA) | 0.3821% | 5,325 |
| Pretax return on assets | 0.5004% | 5,205 |
| Return on Equity (ROE) | 4.0714% | 5,076 |
| Retained earnings to average equity (ytd only) | 4.0714% | 3,286 |
| Net charge-offs to loans | -0.4394% | 6,713 |
| Credit loss provision to net charge-offs | 112.8492% | 2,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3302% | 726 |
| Assets per employee ($millions) | 3.9595% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8709% | 542 |
| Loan loss allowance to noncurrent loans | 222.9047% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 4,274 |
| Noncurrent loans to loans | 1.2879% | 2,981 |
| Net loans and leases to total assets | 49.6165% | 5,129 |
| Net loans and leases to deposits | 56.4650% | 5,258 |
| Net loans and leases to core deposits | 60.3817% | 5,192 |
| Total domestic deposits to total assets | 87.8713% | 2,257 |
| Equity capital to assets | 9.3485% | 4,622 |
| Core capital (leverage) ratio | 9.5753% | 4,146 |
| Tier 1 risk-based capital ratio | 16.5414% | 2,832 |
| Total risk-based capital ratio | 17.8122% | 2,789 |
| Memoranda: | ||
| Average total assets | $235,820,000 | 2,660 |
| Average earning assets | $215,748,600 | 2,665 |
| Average equity | $22,130,200 | 2,915 |
| Average total loans | $122,201,200 | 2,997 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3312% | 6,003 |
| Cost of funding earning assets | 0.4583% | 4,185 |
| Net interest margin | 2.8728% | 5,870 |
| Noninterest income to average assets | 1.0241% | 1,388 |
| Noninterest expense to average assets | 3.3239% | 2,020 |
| Loan and lease loss provision to assets | -0.2895% | 6,771 |
| Net operating income to assets | 0.4520% | 5,018 |
| Return on assets (ROA) | 0.4520% | 5,153 |
| Pretax return on assets | 0.6242% | 4,934 |
| Return on Equity (ROE) | 4.8121% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.8121% | 3,222 |
| Net charge-offs to loans | -0.5773% | 6,797 |
| Credit loss provision to net charge-offs | 96.4151% | 2,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8099% | 861 |
| Assets per employee ($millions) | 3.8489% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9275% | 598 |
| Loan loss allowance to noncurrent loans | 212.7457% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.7271% | 4,290 |
| Noncurrent loans to loans | 1.3761% | 3,115 |
| Net loans and leases to total assets | 51.2889% | 4,967 |
| Net loans and leases to deposits | 59.6937% | 5,014 |
| Net loans and leases to core deposits | 63.9434% | 4,908 |
| Total domestic deposits to total assets | 85.9202% | 3,307 |
| Equity capital to assets | 9.5595% | 4,476 |
| Core capital (leverage) ratio | 9.8044% | 3,951 |
| Tier 1 risk-based capital ratio | 16.4588% | 2,952 |
| Total risk-based capital ratio | 17.7304% | 2,916 |
| Memoranda: | ||
| Average total assets | $235,383,000 | 2,683 |
| Average earning assets | $215,855,500 | 2,677 |
| Average equity | $22,110,500 | 2,950 |
| Average total loans | $122,412,250 | 3,011 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3706% | 5,966 |
| Cost of funding earning assets | 0.4646% | 4,264 |
| Net interest margin | 2.9061% | 5,791 |
| Noninterest income to average assets | 1.1264% | 1,199 |
| Noninterest expense to average assets | 2.9586% | 3,132 |
| Loan and lease loss provision to assets | 0.1908% | 1,981 |
| Net operating income to assets | 0.4416% | 5,056 |
| Return on assets (ROA) | 0.4416% | 5,223 |
| Pretax return on assets | 0.6442% | 4,863 |
| Return on Equity (ROE) | 4.7283% | 4,881 |
| Retained earnings to average equity (ytd only) | 4.7283% | 3,241 |
| Net charge-offs to loans | -0.2056% | 6,672 |
| Credit loss provision to net charge-offs | -179.3651% | 5,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9005% | 2,319 |
| Assets per employee ($millions) | 3.9457% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2759% | 448 |
| Loan loss allowance to noncurrent loans | 218.9462% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.7536% | 4,324 |
| Noncurrent loans to loans | 1.4962% | 3,062 |
| Net loans and leases to total assets | 48.7146% | 5,261 |
| Net loans and leases to deposits | 55.2525% | 5,413 |
| Net loans and leases to core deposits | 58.9734% | 5,347 |
| Total domestic deposits to total assets | 88.1674% | 2,128 |
| Equity capital to assets | 9.2623% | 4,909 |
| Core capital (leverage) ratio | 9.4536% | 4,313 |
| Tier 1 risk-based capital ratio | 16.6794% | 2,848 |
| Total risk-based capital ratio | 17.9497% | 2,812 |
| Memoranda: | ||
| Average total assets | $236,866,330 | 2,675 |
| Average earning assets | $217,408,000 | 2,673 |
| Average equity | $22,122,000 | 2,969 |
| Average total loans | $122,544,670 | 3,012 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4371% | 5,864 |
| Cost of funding earning assets | 0.4765% | 4,312 |
| Net interest margin | 2.9606% | 5,675 |
| Noninterest income to average assets | 1.3456% | 844 |
| Noninterest expense to average assets | 3.0811% | 2,731 |
| Loan and lease loss provision to assets | 0.4119% | 743 |
| Net operating income to assets | 0.3157% | 5,512 |
| Return on assets (ROA) | 0.3157% | 5,641 |
| Pretax return on assets | 0.5588% | 5,084 |
| Return on Equity (ROE) | 3.3665% | 5,405 |
| Retained earnings to average equity (ytd only) | 3.3665% | 4,233 |
| Net charge-offs to loans | 0.0097% | 3,957 |
| Credit loss provision to net charge-offs | 8,133.3333% | 28 |
| Earnings coverage of net charge-offs (x) | 191.6667% | 209 |
| Efficiency ratio | 74.7500% | 3,130 |
| Assets per employee ($millions) | 3.9962% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0481% | 626 |
| Loan loss allowance to noncurrent loans | 187.5433% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.8437% | 4,273 |
| Noncurrent loans to loans | 1.6253% | 3,100 |
| Net loans and leases to total assets | 50.3305% | 4,938 |
| Net loans and leases to deposits | 57.1303% | 5,124 |
| Net loans and leases to core deposits | 61.3202% | 5,013 |
| Total domestic deposits to total assets | 88.0977% | 2,259 |
| Equity capital to assets | 9.2009% | 5,251 |
| Core capital (leverage) ratio | 9.2149% | 4,546 |
| Tier 1 risk-based capital ratio | 16.0545% | 3,231 |
| Total risk-based capital ratio | 17.3229% | 3,180 |
| Memoranda: | ||
| Average total assets | $236,927,500 | 2,708 |
| Average earning assets | $216,577,000 | 2,704 |
| Average equity | $22,219,000 | 3,002 |
| Average total loans | $124,199,500 | 3,006 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9510% | 5,436 |
| Cost of funding earning assets | 0.6845% | 3,617 |
| Net interest margin | 3.2665% | 5,372 |
| Noninterest income to average assets | 1.5240% | 677 |
| Noninterest expense to average assets | 3.3293% | 2,256 |
| Loan and lease loss provision to assets | 0.1263% | 4,033 |
| Net operating income to assets | 0.8811% | 2,911 |
| Return on assets (ROA) | 0.8811% | 3,153 |
| Pretax return on assets | 1.0628% | 3,303 |
| Return on Equity (ROE) | 9.0125% | 2,632 |
| Retained earnings to average equity (ytd only) | 9.0125% | 817 |
| Net charge-offs to loans | -0.0706% | 6,773 |
| Credit loss provision to net charge-offs | -327.0588% | 6,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5016% | 3,155 |
| Assets per employee ($millions) | 3.9014% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8670% | 765 |
| Loan loss allowance to noncurrent loans | 170.1628% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.8920% | 4,261 |
| Noncurrent loans to loans | 1.6848% | 3,096 |
| Net loans and leases to total assets | 51.4234% | 4,985 |
| Net loans and leases to deposits | 58.3849% | 5,196 |
| Net loans and leases to core deposits | 62.4514% | 5,109 |
| Total domestic deposits to total assets | 88.0766% | 2,189 |
| Equity capital to assets | 9.5593% | 4,809 |
| Core capital (leverage) ratio | 9.3820% | 4,281 |
| Tier 1 risk-based capital ratio | 16.0046% | 3,164 |
| Total risk-based capital ratio | 17.2715% | 3,102 |
| Memoranda: | ||
| Average total assets | $220,075,800 | 2,840 |
| Average earning assets | $201,744,000 | 2,823 |
| Average equity | $21,514,600 | 3,039 |
| Average total loans | $120,418,200 | 3,065 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 5,436 |
| Cost of funding earning assets | 0.7405% | 3,426 |
| Net interest margin | 3.2884% | 5,430 |
| Noninterest income to average assets | 1.5871% | 593 |
| Noninterest expense to average assets | 3.3965% | 2,012 |
| Loan and lease loss provision to assets | 0.1989% | 3,092 |
| Net operating income to assets | 0.8754% | 3,106 |
| Return on assets (ROA) | 0.8754% | 3,349 |
| Pretax return on assets | 1.0207% | 3,633 |
| Return on Equity (ROE) | 8.9016% | 2,849 |
| Retained earnings to average equity (ytd only) | 8.9016% | 1,269 |
| Net charge-offs to loans | -0.0457% | 6,686 |
| Credit loss provision to net charge-offs | -787.8049% | 6,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5529% | 3,059 |
| Assets per employee ($millions) | 3.6375% | 4,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8477% | 848 |
| Loan loss allowance to noncurrent loans | 173.4146% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.9393% | 4,407 |
| Noncurrent loans to loans | 1.6422% | 3,332 |
| Net loans and leases to total assets | 55.5693% | 4,512 |
| Net loans and leases to deposits | 64.2103% | 4,686 |
| Net loans and leases to core deposits | 69.2188% | 4,587 |
| Total domestic deposits to total assets | 86.5426% | 2,957 |
| Equity capital to assets | 10.1071% | 4,344 |
| Core capital (leverage) ratio | 9.8361% | 3,771 |
| Tier 1 risk-based capital ratio | 15.7029% | 3,422 |
| Total risk-based capital ratio | 16.9699% | 3,380 |
| Memoranda: | ||
| Average total assets | $216,573,250 | 2,901 |
| Average earning assets | $199,487,250 | 2,871 |
| Average equity | $21,299,000 | 3,092 |
| Average total loans | $119,540,750 | 3,120 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 5,739 |
| Cost of funding earning assets | 0.8122% | 3,097 |
| Net interest margin | 3.1560% | 5,854 |
| Noninterest income to average assets | 1.8119% | 469 |
| Noninterest expense to average assets | 3.4850% | 1,817 |
| Loan and lease loss provision to assets | 0.0120% | 5,516 |
| Net operating income to assets | 1.0564% | 2,221 |
| Return on assets (ROA) | 1.0564% | 2,449 |
| Pretax return on assets | 1.2184% | 2,845 |
| Return on Equity (ROE) | 10.8431% | 2,050 |
| Retained earnings to average equity (ytd only) | 10.8431% | 775 |
| Net charge-offs to loans | 0.0204% | 5,123 |
| Credit loss provision to net charge-offs | 108.3333% | 2,515 |
| Earnings coverage of net charge-offs (x) | 110.7500% | 390 |
| Efficiency ratio | 73.8465% | 3,101 |
| Assets per employee ($millions) | 3.6506% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6242% | 1,127 |
| Loan loss allowance to noncurrent loans | 854.1555% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 6,335 |
| Noncurrent loans to loans | 0.3072% | 5,941 |
| Net loans and leases to total assets | 53.9728% | 4,810 |
| Net loans and leases to deposits | 61.5994% | 5,057 |
| Net loans and leases to core deposits | 66.2395% | 4,971 |
| Total domestic deposits to total assets | 87.6190% | 2,386 |
| Equity capital to assets | 9.8417% | 4,557 |
| Core capital (leverage) ratio | 9.6619% | 3,900 |
| Tier 1 risk-based capital ratio | 15.8993% | 3,208 |
| Total risk-based capital ratio | 17.1632% | 3,176 |
| Memoranda: | ||
| Average total assets | $216,013,670 | 2,915 |
| Average earning assets | $198,731,330 | 2,889 |
| Average equity | $21,045,670 | 3,104 |
| Average total loans | $117,775,670 | 3,185 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0897% | 5,496 |
| Cost of funding earning assets | 0.8500% | 3,064 |
| Net interest margin | 3.2397% | 5,666 |
| Noninterest income to average assets | 1.0051% | 1,412 |
| Noninterest expense to average assets | 3.2783% | 2,362 |
| Loan and lease loss provision to assets | -0.0578% | 7,150 |
| Net operating income to assets | 0.7366% | 3,702 |
| Return on assets (ROA) | 0.7366% | 3,935 |
| Pretax return on assets | 0.7627% | 4,562 |
| Return on Equity (ROE) | 7.5998% | 3,448 |
| Retained earnings to average equity (ytd only) | 7.5998% | 2,125 |
| Net charge-offs to loans | 0.0310% | 4,252 |
| Credit loss provision to net charge-offs | -344.4444% | 5,707 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 716 |
| Efficiency ratio | 82.2097% | 1,913 |
| Assets per employee ($millions) | 3.7869% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7219% | 1,088 |
| Loan loss allowance to noncurrent loans | 539.4511% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 6,208 |
| Noncurrent loans to loans | 0.5046% | 5,663 |
| Net loans and leases to total assets | 51.1740% | 5,123 |
| Net loans and leases to deposits | 58.1177% | 5,360 |
| Net loans and leases to core deposits | 61.2515% | 5,410 |
| Total domestic deposits to total assets | 88.0523% | 2,285 |
| Equity capital to assets | 9.3990% | 4,960 |
| Core capital (leverage) ratio | 9.2784% | 4,398 |
| Tier 1 risk-based capital ratio | 15.7663% | 3,306 |
| Total risk-based capital ratio | 17.0308% | 3,266 |
| Memoranda: | ||
| Average total assets | $214,501,500 | 2,951 |
| Average earning assets | $197,180,500 | 2,931 |
| Average equity | $20,790,000 | 3,134 |
| Average total loans | $115,960,000 | 3,230 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5385% | 4,924 |
| Cost of funding earning assets | 0.9987% | 3,393 |
| Net interest margin | 3.5398% | 4,983 |
| Noninterest income to average assets | 1.0271% | 1,291 |
| Noninterest expense to average assets | 3.2637% | 2,640 |
| Loan and lease loss provision to assets | 0.0802% | 5,611 |
| Net operating income to assets | 0.7033% | 3,472 |
| Return on assets (ROA) | 0.7033% | 3,664 |
| Pretax return on assets | 0.9469% | 3,440 |
| Return on Equity (ROE) | 6.9775% | 3,414 |
| Retained earnings to average equity (ytd only) | 6.9775% | 1,516 |
| Net charge-offs to loans | 0.1012% | 5,340 |
| Credit loss provision to net charge-offs | 139.1304% | 2,127 |
| Earnings coverage of net charge-offs (x) | 17.8174% | 1,249 |
| Efficiency ratio | 75.0234% | 3,055 |
| Assets per employee ($millions) | 3.5485% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7368% | 1,047 |
| Loan loss allowance to noncurrent loans | 380.5257% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 5,955 |
| Noncurrent loans to loans | 0.7192% | 5,261 |
| Net loans and leases to total assets | 54.0647% | 5,026 |
| Net loans and leases to deposits | 61.4120% | 5,323 |
| Net loans and leases to core deposits | 61.4120% | 5,713 |
| Total domestic deposits to total assets | 88.0360% | 2,130 |
| Equity capital to assets | 9.9999% | 4,170 |
| Core capital (leverage) ratio | 9.6099% | 3,855 |
| Tier 1 risk-based capital ratio | 16.0196% | 3,038 |
| Total risk-based capital ratio | 17.2854% | 2,980 |
| Memoranda: | ||
| Average total assets | $199,499,200 | 3,062 |
| Average earning assets | $183,939,400 | 3,041 |
| Average equity | $20,107,400 | 3,121 |
| Average total loans | $113,622,600 | 3,300 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6226% | 4,777 |
| Cost of funding earning assets | 1.0336% | 3,439 |
| Net interest margin | 3.5890% | 4,813 |
| Noninterest income to average assets | 1.0028% | 1,334 |
| Noninterest expense to average assets | 3.2799% | 2,559 |
| Loan and lease loss provision to assets | 0.0508% | 5,811 |
| Net operating income to assets | 0.7220% | 3,496 |
| Return on assets (ROA) | 0.7220% | 3,678 |
| Pretax return on assets | 0.9853% | 3,459 |
| Return on Equity (ROE) | 7.1488% | 3,455 |
| Retained earnings to average equity (ytd only) | 7.1488% | 1,888 |
| Net charge-offs to loans | 0.0578% | 5,386 |
| Credit loss provision to net charge-offs | 153.0612% | 2,030 |
| Earnings coverage of net charge-offs (x) | 31.2457% | 908 |
| Efficiency ratio | 74.9451% | 3,013 |
| Assets per employee ($millions) | 3.4709% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7962% | 1,034 |
| Loan loss allowance to noncurrent loans | 465.6388% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.3543% | 6,190 |
| Noncurrent loans to loans | 0.6005% | 5,681 |
| Net loans and leases to total assets | 55.7188% | 4,885 |
| Net loans and leases to deposits | 63.6231% | 5,221 |
| Net loans and leases to core deposits | 63.6231% | 5,660 |
| Total domestic deposits to total assets | 87.5763% | 2,308 |
| Equity capital to assets | 10.3619% | 3,873 |
| Core capital (leverage) ratio | 9.9884% | 3,462 |
| Tier 1 risk-based capital ratio | 16.1169% | 3,056 |
| Total risk-based capital ratio | 17.3837% | 3,015 |
| Memoranda: | ||
| Average total assets | $197,033,500 | 3,109 |
| Average earning assets | $181,885,000 | 3,083 |
| Average equity | $19,900,250 | 3,159 |
| Average total loans | $112,934,250 | 3,350 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5569% | 5,149 |
| Cost of funding earning assets | 1.0701% | 3,470 |
| Net interest margin | 3.4868% | 5,220 |
| Noninterest income to average assets | 1.0734% | 1,137 |
| Noninterest expense to average assets | 3.2740% | 2,654 |
| Loan and lease loss provision to assets | 0.0071% | 6,169 |
| Net operating income to assets | 0.7227% | 3,430 |
| Return on assets (ROA) | 0.7227% | 3,549 |
| Pretax return on assets | 1.0083% | 3,211 |
| Return on Equity (ROE) | 7.2182% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.2182% | 1,778 |
| Net charge-offs to loans | 0.0603% | 5,049 |
| Credit loss provision to net charge-offs | 20.5882% | 5,124 |
| Earnings coverage of net charge-offs (x) | 29.3824% | 936 |
| Efficiency ratio | 75.2370% | 3,147 |
| Assets per employee ($millions) | 3.2690% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7613% | 1,116 |
| Loan loss allowance to noncurrent loans | 234.0841% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.6893% | 5,528 |
| Noncurrent loans to loans | 1.1796% | 4,681 |
| Net loans and leases to total assets | 55.9815% | 4,998 |
| Net loans and leases to deposits | 63.9047% | 5,288 |
| Net loans and leases to core deposits | 63.9047% | 5,731 |
| Total domestic deposits to total assets | 87.6016% | 2,407 |
| Equity capital to assets | 10.3601% | 3,677 |
| Core capital (leverage) ratio | 9.8577% | 3,442 |
| Tier 1 risk-based capital ratio | 15.7380% | 3,110 |
| Total risk-based capital ratio | 17.0039% | 3,082 |
| Memoranda: | ||
| Average total assets | $196,764,670 | 3,129 |
| Average earning assets | $181,484,000 | 3,106 |
| Average equity | $19,700,330 | 3,171 |
| Average total loans | $112,777,330 | 3,391 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4952% | 5,353 |
| Cost of funding earning assets | 1.1150% | 3,421 |
| Net interest margin | 3.3802% | 5,503 |
| Noninterest income to average assets | 1.2827% | 776 |
| Noninterest expense to average assets | 3.3144% | 2,514 |
| Loan and lease loss provision to assets | 0.1725% | 3,905 |
| Net operating income to assets | 0.6170% | 3,951 |
| Return on assets (ROA) | 0.6170% | 4,017 |
| Pretax return on assets | 0.9032% | 3,483 |
| Return on Equity (ROE) | 6.2711% | 3,742 |
| Retained earnings to average equity (ytd only) | 6.2711% | 2,480 |
| Net charge-offs to loans | 0.1029% | 3,927 |
| Credit loss provision to net charge-offs | 293.1034% | 1,097 |
| Earnings coverage of net charge-offs (x) | 18.2759% | 1,188 |
| Efficiency ratio | 74.3412% | 3,458 |
| Assets per employee ($millions) | 3.3626% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8353% | 1,078 |
| Loan loss allowance to noncurrent loans | 242.6839% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6749% | 5,603 |
| Noncurrent loans to loans | 1.1683% | 4,749 |
| Net loans and leases to total assets | 55.2927% | 5,114 |
| Net loans and leases to deposits | 62.7642% | 5,414 |
| Net loans and leases to core deposits | 62.7642% | 5,847 |
| Total domestic deposits to total assets | 88.0960% | 2,319 |
| Equity capital to assets | 9.8768% | 3,924 |
| Core capital (leverage) ratio | 9.5061% | 3,792 |
| Tier 1 risk-based capital ratio | 15.2885% | 3,262 |
| Total risk-based capital ratio | 16.5551% | 3,217 |
| Memoranda: | ||
| Average total assets | $197,078,000 | 3,151 |
| Average earning assets | $181,173,000 | 3,127 |
| Average equity | $19,390,500 | 3,208 |
| Average total loans | $112,706,500 | 3,424 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9168% | 4,932 |
| Cost of funding earning assets | 1.4235% | 3,118 |
| Net interest margin | 3.4933% | 5,271 |
| Noninterest income to average assets | 0.9615% | 1,638 |
| Noninterest expense to average assets | 3.3170% | 2,679 |
| Loan and lease loss provision to assets | 0.3263% | 4,201 |
| Net operating income to assets | 0.3659% | 4,691 |
| Return on assets (ROA) | 0.5433% | 4,063 |
| Pretax return on assets | 0.7762% | 3,708 |
| Return on Equity (ROE) | 5.5133% | 3,828 |
| Retained earnings to average equity (ytd only) | 5.5133% | 2,101 |
| Net charge-offs to loans | 0.6491% | 3,065 |
| Credit loss provision to net charge-offs | 82.6203% | 5,463 |
| Earnings coverage of net charge-offs (x) | 2.1497% | 4,108 |
| Efficiency ratio | 78.6185% | 2,593 |
| Assets per employee ($millions) | 3.3752% | 5,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7952% | 1,064 |
| Loan loss allowance to noncurrent loans | 237.3585% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6871% | 5,629 |
| Noncurrent loans to loans | 1.1776% | 4,752 |
| Net loans and leases to total assets | 55.8686% | 5,365 |
| Net loans and leases to deposits | 63.7066% | 5,661 |
| Net loans and leases to core deposits | 63.7066% | 6,080 |
| Total domestic deposits to total assets | 87.6967% | 2,422 |
| Equity capital to assets | 9.8007% | 3,998 |
| Core capital (leverage) ratio | 9.4658% | 3,747 |
| Tier 1 risk-based capital ratio | 15.0913% | 3,194 |
| Total risk-based capital ratio | 16.3580% | 3,135 |
| Memoranda: | ||
| Average total assets | $189,388,800 | 3,238 |
| Average earning assets | $173,730,400 | 3,211 |
| Average equity | $18,663,800 | 3,321 |
| Average total loans | $115,239,200 | 3,420 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0062% | 4,788 |
| Cost of funding earning assets | 1.4761% | 3,114 |
| Net interest margin | 3.5300% | 5,183 |
| Noninterest income to average assets | 0.7725% | 2,373 |
| Noninterest expense to average assets | 3.3326% | 2,474 |
| Loan and lease loss provision to assets | 0.3465% | 3,842 |
| Net operating income to assets | 0.2292% | 5,422 |
| Return on assets (ROA) | 0.4643% | 4,658 |
| Pretax return on assets | 0.6702% | 4,347 |
| Return on Equity (ROE) | 4.7049% | 4,447 |
| Retained earnings to average equity (ytd only) | 4.7049% | 3,188 |
| Net charge-offs to loans | 0.5992% | 2,944 |
| Credit loss provision to net charge-offs | 93.6660% | 4,634 |
| Earnings coverage of net charge-offs (x) | 1.8273% | 4,340 |
| Efficiency ratio | 82.0935% | 2,050 |
| Assets per employee ($millions) | 3.3538% | 5,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7922% | 1,010 |
| Loan loss allowance to noncurrent loans | 234.9275% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.7454% | 5,612 |
| Noncurrent loans to loans | 1.1885% | 4,864 |
| Net loans and leases to total assets | 60.0962% | 4,897 |
| Net loans and leases to deposits | 68.9171% | 5,293 |
| Net loans and leases to core deposits | 68.9171% | 5,850 |
| Total domestic deposits to total assets | 87.2006% | 2,422 |
| Equity capital to assets | 10.1691% | 3,922 |
| Core capital (leverage) ratio | 9.7096% | 3,609 |
| Tier 1 risk-based capital ratio | 14.7112% | 3,386 |
| Total risk-based capital ratio | 15.9785% | 3,362 |
| Memoranda: | ||
| Average total assets | $187,795,750 | 3,305 |
| Average earning assets | $172,157,000 | 3,283 |
| Average equity | $18,533,250 | 3,385 |
| Average total loans | $115,920,500 | 3,449 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0281% | 4,812 |
| Cost of funding earning assets | 1.5097% | 3,205 |
| Net interest margin | 3.5184% | 5,174 |
| Noninterest income to average assets | 0.8094% | 2,073 |
| Noninterest expense to average assets | 3.3207% | 2,501 |
| Loan and lease loss provision to assets | 0.3312% | 3,749 |
| Net operating income to assets | 0.2551% | 5,356 |
| Return on assets (ROA) | 0.4228% | 4,804 |
| Pretax return on assets | 0.6294% | 4,479 |
| Return on Equity (ROE) | 4.3282% | 4,632 |
| Retained earnings to average equity (ytd only) | 4.3282% | 3,322 |
| Net charge-offs to loans | 0.7941% | 2,263 |
| Credit loss provision to net charge-offs | 67.6087% | 5,030 |
| Earnings coverage of net charge-offs (x) | 1.4500% | 4,401 |
| Efficiency ratio | 81.2946% | 2,258 |
| Assets per employee ($millions) | 3.2228% | 5,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7743% | 1,023 |
| Loan loss allowance to noncurrent loans | 97.1109% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 1.7601% | 3,816 |
| Noncurrent loans to loans | 2.8568% | 2,803 |
| Net loans and leases to total assets | 58.6084% | 5,311 |
| Net loans and leases to deposits | 67.5051% | 5,611 |
| Net loans and leases to core deposits | 67.5051% | 6,098 |
| Total domestic deposits to total assets | 86.8207% | 2,640 |
| Equity capital to assets | 10.0529% | 3,948 |
| Core capital (leverage) ratio | 9.6077% | 3,667 |
| Tier 1 risk-based capital ratio | 14.7531% | 3,291 |
| Total risk-based capital ratio | 16.0192% | 3,251 |
| Memoranda: | ||
| Average total assets | $187,789,670 | 3,340 |
| Average earning assets | $171,955,330 | 3,305 |
| Average equity | $18,344,670 | 3,407 |
| Average total loans | $115,857,000 | 3,484 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0780% | 4,638 |
| Cost of funding earning assets | 1.5408% | 3,324 |
| Net interest margin | 3.5372% | 5,009 |
| Noninterest income to average assets | 0.7927% | 2,058 |
| Noninterest expense to average assets | 3.2430% | 2,723 |
| Loan and lease loss provision to assets | 0.1636% | 4,889 |
| Net operating income to assets | 0.3801% | 4,927 |
| Return on assets (ROA) | 0.5079% | 4,492 |
| Pretax return on assets | 0.8203% | 3,787 |
| Return on Equity (ROE) | 5.2755% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.2755% | 2,997 |
| Net charge-offs to loans | 0.0783% | 4,635 |
| Credit loss provision to net charge-offs | 334.7826% | 1,191 |
| Earnings coverage of net charge-offs (x) | 16.0435% | 1,352 |
| Efficiency ratio | 79.3668% | 2,660 |
| Assets per employee ($millions) | 3.4532% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8610% | 928 |
| Loan loss allowance to noncurrent loans | 373.4234% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.5297% | 6,178 |
| Noncurrent loans to loans | 0.7662% | 5,793 |
| Net loans and leases to total assets | 59.2800% | 5,245 |
| Net loans and leases to deposits | 68.0691% | 5,581 |
| Net loans and leases to core deposits | 68.0691% | 6,094 |
| Total domestic deposits to total assets | 87.0880% | 2,582 |
| Equity capital to assets | 9.6165% | 4,354 |
| Core capital (leverage) ratio | 9.3652% | 3,954 |
| Tier 1 risk-based capital ratio | 14.1026% | 3,593 |
| Total risk-based capital ratio | 15.3694% | 3,545 |
| Memoranda: | ||
| Average total assets | $188,223,500 | 3,384 |
| Average earning assets | $172,114,000 | 3,368 |
| Average equity | $18,121,500 | 3,461 |
| Average total loans | $117,446,500 | 3,509 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6972% | 3,113 |
| Cost of funding earning assets | 1.9880% | 3,014 |
| Net interest margin | 3.7092% | 4,096 |
| Noninterest income to average assets | 0.8889% | 1,986 |
| Noninterest expense to average assets | 3.4289% | 2,586 |
| Loan and lease loss provision to assets | 0.4469% | 4,149 |
| Net operating income to assets | 0.2906% | 4,571 |
| Return on assets (ROA) | 0.5659% | 3,539 |
| Pretax return on assets | 0.7921% | 3,275 |
| Return on Equity (ROE) | 5.9946% | 3,210 |
| Retained earnings to average equity (ytd only) | 5.9946% | 1,347 |
| Net charge-offs to loans | 0.4381% | 4,046 |
| Credit loss provision to net charge-offs | 154.1985% | 2,963 |
| Earnings coverage of net charge-offs (x) | 2.9370% | 3,618 |
| Efficiency ratio | 79.2065% | 3,007 |
| Assets per employee ($millions) | 3.4541% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7414% | 981 |
| Loan loss allowance to noncurrent loans | 346.2845% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.5383% | 6,103 |
| Noncurrent loans to loans | 0.7917% | 5,695 |
| Net loans and leases to total assets | 62.0449% | 4,983 |
| Net loans and leases to deposits | 71.2501% | 5,436 |
| Net loans and leases to core deposits | 82.5708% | 5,864 |
| Total domestic deposits to total assets | 87.0804% | 2,457 |
| Equity capital to assets | 9.6390% | 4,226 |
| Core capital (leverage) ratio | 9.4044% | 3,825 |
| Tier 1 risk-based capital ratio | 13.8511% | 3,598 |
| Total risk-based capital ratio | 15.1179% | 3,534 |
| Memoranda: | ||
| Average total assets | $180,785,600 | 3,425 |
| Average earning assets | $165,291,400 | 3,415 |
| Average equity | $17,065,400 | 3,659 |
| Average total loans | $119,612,400 | 3,494 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7624% | 3,048 |
| Cost of funding earning assets | 2.0614% | 3,067 |
| Net interest margin | 3.7010% | 4,068 |
| Noninterest income to average assets | 0.8661% | 2,122 |
| Noninterest expense to average assets | 3.5601% | 2,124 |
| Loan and lease loss provision to assets | 0.3873% | 3,998 |
| Net operating income to assets | 0.2191% | 5,093 |
| Return on assets (ROA) | 0.5427% | 3,904 |
| Pretax return on assets | 0.7590% | 3,669 |
| Return on Equity (ROE) | 5.7808% | 3,615 |
| Retained earnings to average equity (ytd only) | 5.7808% | 2,056 |
| Net charge-offs to loans | 0.3095% | 4,104 |
| Credit loss provision to net charge-offs | 187.4101% | 2,432 |
| Earnings coverage of net charge-offs (x) | 3.3417% | 3,567 |
| Efficiency ratio | 82.8786% | 2,446 |
| Assets per employee ($millions) | 3.4052% | 5,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7067% | 877 |
| Loan loss allowance to noncurrent loans | 238.5240% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.8034% | 5,494 |
| Noncurrent loans to loans | 1.1348% | 5,051 |
| Net loans and leases to total assets | 64.3720% | 4,782 |
| Net loans and leases to deposits | 74.2434% | 5,336 |
| Net loans and leases to core deposits | 85.6212% | 5,902 |
| Total domestic deposits to total assets | 86.7040% | 2,328 |
| Equity capital to assets | 9.8584% | 4,265 |
| Core capital (leverage) ratio | 9.5698% | 3,825 |
| Tier 1 risk-based capital ratio | 13.5702% | 3,796 |
| Total risk-based capital ratio | 14.8200% | 3,733 |
| Memoranda: | ||
| Average total assets | $179,351,250 | 3,475 |
| Average earning assets | $164,025,500 | 3,473 |
| Average equity | $16,837,000 | 3,740 |
| Average total loans | $119,768,000 | 3,514 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8309% | 2,896 |
| Cost of funding earning assets | 2.1026% | 3,252 |
| Net interest margin | 3.7284% | 3,845 |
| Noninterest income to average assets | 0.9767% | 1,670 |
| Noninterest expense to average assets | 3.5524% | 2,188 |
| Loan and lease loss provision to assets | 0.4146% | 3,458 |
| Net operating income to assets | 0.2945% | 4,921 |
| Return on assets (ROA) | 0.6347% | 3,645 |
| Pretax return on assets | 0.9040% | 3,322 |
| Return on Equity (ROE) | 6.8771% | 3,258 |
| Retained earnings to average equity (ytd only) | 6.8771% | 1,631 |
| Net charge-offs to loans | 0.3637% | 3,365 |
| Credit loss provision to net charge-offs | 170.1835% | 2,705 |
| Earnings coverage of net charge-offs (x) | 3.4174% | 3,447 |
| Efficiency ratio | 80.1988% | 3,014 |
| Assets per employee ($millions) | 3.3251% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6356% | 793 |
| Loan loss allowance to noncurrent loans | 268.1469% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.6906% | 5,681 |
| Noncurrent loans to loans | 0.9829% | 5,242 |
| Net loans and leases to total assets | 63.4289% | 5,093 |
| Net loans and leases to deposits | 73.2439% | 5,574 |
| Net loans and leases to core deposits | 85.9323% | 5,913 |
| Total domestic deposits to total assets | 86.5996% | 2,452 |
| Equity capital to assets | 9.5439% | 4,551 |
| Core capital (leverage) ratio | 9.3432% | 4,110 |
| Tier 1 risk-based capital ratio | 13.5665% | 3,778 |
| Total risk-based capital ratio | 14.8323% | 3,694 |
| Memoranda: | ||
| Average total assets | $178,976,330 | 3,501 |
| Average earning assets | $163,610,000 | 3,493 |
| Average equity | $16,518,670 | 3,813 |
| Average total loans | $119,888,000 | 3,534 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9837% | 2,426 |
| Cost of funding earning assets | 2.1436% | 3,446 |
| Net interest margin | 3.8401% | 3,298 |
| Noninterest income to average assets | 0.5265% | 4,087 |
| Noninterest expense to average assets | 3.5024% | 2,095 |
| Loan and lease loss provision to assets | 0.4677% | 2,606 |
| Net operating income to assets | 0.0471% | 6,135 |
| Return on assets (ROA) | 0.7253% | 3,637 |
| Pretax return on assets | 1.0530% | 3,164 |
| Return on Equity (ROE) | 7.9995% | 3,156 |
| Retained earnings to average equity (ytd only) | 7.9995% | 1,816 |
| Net charge-offs to loans | 0.3459% | 2,702 |
| Credit loss provision to net charge-offs | 199.0385% | 2,235 |
| Earnings coverage of net charge-offs (x) | 2.2885% | 3,590 |
| Efficiency ratio | 85.8501% | 2,086 |
| Assets per employee ($millions) | 3.3017% | 5,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7524% | 603 |
| Loan loss allowance to noncurrent loans | 522.3833% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 6,159 |
| Noncurrent loans to loans | 0.5269% | 6,102 |
| Net loans and leases to total assets | 63.1165% | 5,139 |
| Net loans and leases to deposits | 72.4063% | 5,693 |
| Net loans and leases to core deposits | 80.8323% | 6,323 |
| Total domestic deposits to total assets | 87.1699% | 2,140 |
| Equity capital to assets | 8.9314% | 5,435 |
| Core capital (leverage) ratio | 9.1632% | 4,461 |
| Tier 1 risk-based capital ratio | 13.6211% | 3,790 |
| Total risk-based capital ratio | 14.8881% | 3,701 |
| Memoranda: | ||
| Average total assets | $177,023,500 | 3,554 |
| Average earning assets | $161,974,000 | 3,543 |
| Average equity | $16,051,000 | 3,937 |
| Average total loans | $120,262,000 | 3,552 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2947% | 3,986 |
| Cost of funding earning assets | 2.7168% | 3,081 |
| Net interest margin | 3.5779% | 4,980 |
| Noninterest income to average assets | 0.8643% | 2,142 |
| Noninterest expense to average assets | 3.4420% | 2,548 |
| Loan and lease loss provision to assets | 0.2656% | 4,275 |
| Net operating income to assets | 0.2853% | 5,588 |
| Return on assets (ROA) | 0.4575% | 4,745 |
| Pretax return on assets | 0.6453% | 4,562 |
| Return on Equity (ROE) | 5.0735% | 4,347 |
| Retained earnings to average equity (ytd only) | 5.0735% | 1,981 |
| Net charge-offs to loans | 0.0805% | 5,616 |
| Credit loss provision to net charge-offs | 485.2632% | 904 |
| Earnings coverage of net charge-offs (x) | 12.2105% | 2,276 |
| Efficiency ratio | 83.0530% | 2,172 |
| Assets per employee ($millions) | 3.0795% | 5,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6153% | 604 |
| Loan loss allowance to noncurrent loans | 360.0449% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 5,630 |
| Noncurrent loans to loans | 0.7264% | 5,215 |
| Net loans and leases to total assets | 69.2690% | 4,196 |
| Net loans and leases to deposits | 79.7819% | 5,080 |
| Net loans and leases to core deposits | 89.6016% | 5,836 |
| Total domestic deposits to total assets | 86.8229% | 2,023 |
| Equity capital to assets | 9.2102% | 5,062 |
| Core capital (leverage) ratio | 9.4906% | 4,022 |
| Tier 1 risk-based capital ratio | 13.2452% | 3,970 |
| Total risk-based capital ratio | 14.5121% | 3,870 |
| Memoranda: | ||
| Average total assets | $173,560,400 | 3,499 |
| Average earning assets | $157,464,800 | 3,519 |
| Average equity | $15,650,000 | 3,996 |
| Average total loans | $118,047,000 | 3,507 |