Home > Intercity State Bank > Performance and Condition Ratios
Intercity State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3782% | 2,342 |
| Cost of funding earning assets | 1.7315% | 2,646 |
| Net interest margin | 3.6467% | 1,973 |
| Noninterest income to average assets | 0.1400% | 3,907 |
| Noninterest expense to average assets | 1.6012% | 4,141 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.5780% | 943 |
| Return on assets (ROA) | 1.5780% | 938 |
| Pretax return on assets | 2.0229% | 667 |
| Return on Equity (ROE) | 7.4600% | 3,006 |
| Retained earnings to average equity (ytd only) | 7.4572% | 1,850 |
| Net charge-offs to loans | -0.0111% | 3,941 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 44.1823% | 4,170 |
| Assets per employee ($millions) | 7.9585% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 3,135 |
| Loan loss allowance to noncurrent loans | 928.5106% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 2,891 |
| Noncurrent loans to loans | 0.1094% | 3,113 |
| Net loans and leases to total assets | 78.5600% | 757 |
| Net loans and leases to deposits | 103.4711% | 289 |
| Net loans and leases to core deposits | 117.6531% | 616 |
| Total domestic deposits to total assets | 75.9200% | 3,985 |
| Equity capital to assets | 21.7888% | 242 |
| Core capital (leverage) ratio | 21.4492% | 216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9256% | 309 |
| Memoranda: | ||
| Average total assets | $276,038,500 | 2,595 |
| Average earning assets | $263,360,000 | 2,561 |
| Average equity | $58,413,500 | 1,577 |
| Average total loans | $215,432,500 | 2,311 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2989% | 2,535 |
| Cost of funding earning assets | 1.9206% | 2,410 |
| Net interest margin | 3.3783% | 2,329 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 1.6597% | 4,134 |
| Loan and lease loss provision to assets | 0.1300% | 1,072 |
| Net operating income to assets | 1.3562% | 1,165 |
| Return on assets (ROA) | 1.3562% | 1,157 |
| Pretax return on assets | 1.6834% | 1,000 |
| Return on Equity (ROE) | 6.5600% | 3,141 |
| Retained earnings to average equity (ytd only) | 6.5611% | 1,601 |
| Net charge-offs to loans | 0.0961% | 1,203 |
| Credit loss provision to net charge-offs | 159.7156% | 1,347 |
| Earnings coverage of net charge-offs (x) | 23.1659% | 1,731 |
| Efficiency ratio | 47.7555% | 4,103 |
| Assets per employee ($millions) | 8.2791% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 3,188 |
| Loan loss allowance to noncurrent loans | 925.9574% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 2,752 |
| Noncurrent loans to loans | 0.1087% | 3,087 |
| Net loans and leases to total assets | 76.0000% | 1,144 |
| Net loans and leases to deposits | 98.3709% | 565 |
| Net loans and leases to core deposits | 111.0819% | 890 |
| Total domestic deposits to total assets | 77.2600% | 3,849 |
| Equity capital to assets | 20.5582% | 258 |
| Core capital (leverage) ratio | 21.3228% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3056% | 302 |
| Memoranda: | ||
| Average total assets | $269,209,800 | 2,603 |
| Average earning assets | $256,167,400 | 2,564 |
| Average equity | $55,645,800 | 1,587 |
| Average total loans | $219,600,000 | 2,244 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2813% | 2,495 |
| Cost of funding earning assets | 1.9641% | 2,303 |
| Net interest margin | 3.3172% | 2,418 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 1.6477% | 4,133 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.3977% | 1,095 |
| Return on assets (ROA) | 1.3977% | 1,102 |
| Pretax return on assets | 1.7564% | 930 |
| Return on Equity (ROE) | 6.7500% | 3,101 |
| Retained earnings to average equity (ytd only) | 6.7524% | 1,822 |
| Net charge-offs to loans | 0.1306% | 834 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 16.2315% | 1,890 |
| Efficiency ratio | 48.4032% | 4,074 |
| Assets per employee ($millions) | 8.3251% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 3,850 |
| Loan loss allowance to noncurrent loans | 965.2632% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.1321% | 2,823 |
| Noncurrent loans to loans | 0.0857% | 3,258 |
| Net loans and leases to total assets | 82.5300% | 366 |
| Net loans and leases to deposits | 107.9768% | 210 |
| Net loans and leases to core deposits | 125.5645% | 466 |
| Total domestic deposits to total assets | 76.4400% | 3,885 |
| Equity capital to assets | 21.2313% | 241 |
| Core capital (leverage) ratio | 21.3481% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0329% | 340 |
| Memoranda: | ||
| Average total assets | $266,140,000 | 2,611 |
| Average earning assets | $253,340,750 | 2,574 |
| Average equity | $55,090,000 | 1,591 |
| Average total loans | $220,472,000 | 2,228 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1674% | 2,623 |
| Cost of funding earning assets | 1.9830% | 2,158 |
| Net interest margin | 3.1843% | 2,655 |
| Noninterest income to average assets | 0.2400% | 3,419 |
| Noninterest expense to average assets | 1.6463% | 4,147 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2659% | 1,335 |
| Return on assets (ROA) | 1.2659% | 1,335 |
| Pretax return on assets | 1.6237% | 1,090 |
| Return on Equity (ROE) | 6.1700% | 3,232 |
| Retained earnings to average equity (ytd only) | 6.1685% | 1,951 |
| Net charge-offs to loans | -0.0391% | 4,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 50.3448% | 3,992 |
| Assets per employee ($millions) | 7.6968% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 3,464 |
| Loan loss allowance to noncurrent loans | 335.9551% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 2,234 |
| Noncurrent loans to loans | 0.2863% | 2,346 |
| Net loans and leases to total assets | 82.3600% | 442 |
| Net loans and leases to deposits | 110.7156% | 202 |
| Net loans and leases to core deposits | 126.4271% | 478 |
| Total domestic deposits to total assets | 74.3900% | 4,034 |
| Equity capital to assets | 21.1906% | 247 |
| Core capital (leverage) ratio | 20.7778% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0464% | 379 |
| Memoranda: | ||
| Average total assets | $266,052,000 | 2,608 |
| Average earning assets | $253,050,333 | 2,575 |
| Average equity | $54,599,667 | 1,577 |
| Average total loans | $220,061,000 | 2,219 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0395% | 2,711 |
| Cost of funding earning assets | 1.9800% | 2,040 |
| Net interest margin | 3.0595% | 2,878 |
| Noninterest income to average assets | 0.2300% | 3,433 |
| Noninterest expense to average assets | 1.6210% | 4,171 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2005% | 1,445 |
| Return on assets (ROA) | 1.2005% | 1,444 |
| Pretax return on assets | 1.5196% | 1,217 |
| Return on Equity (ROE) | 5.9400% | 3,233 |
| Retained earnings to average equity (ytd only) | 5.9440% | 2,122 |
| Net charge-offs to loans | -0.0615% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 51.6144% | 3,929 |
| Assets per employee ($millions) | 7.9996% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 3,619 |
| Loan loss allowance to noncurrent loans | 383.0882% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 2,355 |
| Noncurrent loans to loans | 0.2412% | 2,453 |
| Net loans and leases to total assets | 82.1700% | 401 |
| Net loans and leases to deposits | 117.3444% | 94 |
| Net loans and leases to core deposits | 131.7908% | 381 |
| Total domestic deposits to total assets | 70.0300% | 4,285 |
| Equity capital to assets | 20.0653% | 284 |
| Core capital (leverage) ratio | 20.3923% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8769% | 440 |
| Memoranda: | ||
| Average total assets | $268,232,500 | 2,607 |
| Average earning assets | $254,947,500 | 2,571 |
| Average equity | $54,172,500 | 1,583 |
| Average total loans | $221,285,500 | 2,207 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4104% | 3,261 |
| Cost of funding earning assets | 1.2969% | 2,524 |
| Net interest margin | 3.1135% | 3,070 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 1.5979% | 4,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2669% | 1,501 |
| Return on assets (ROA) | 1.2669% | 1,472 |
| Pretax return on assets | 1.6977% | 1,070 |
| Return on Equity (ROE) | 6.2400% | 3,476 |
| Retained earnings to average equity (ytd only) | 6.2427% | 2,155 |
| Net charge-offs to loans | -0.0469% | 4,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 48.4859% | 4,066 |
| Assets per employee ($millions) | 8.2649% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 3,554 |
| Loan loss allowance to noncurrent loans | 3,014.7059% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 3,525 |
| Noncurrent loans to loans | 0.0313% | 3,511 |
| Net loans and leases to total assets | 81.2700% | 506 |
| Net loans and leases to deposits | 111.5854% | 174 |
| Net loans and leases to core deposits | 124.7277% | 516 |
| Total domestic deposits to total assets | 72.8300% | 4,176 |
| Equity capital to assets | 20.3306% | 276 |
| Core capital (leverage) ratio | 20.7385% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1352% | 419 |
| Memoranda: | ||
| Average total assets | $256,530,800 | 2,642 |
| Average earning assets | $246,123,200 | 2,598 |
| Average equity | $52,060,600 | 1,553 |
| Average total loans | $211,220,000 | 2,223 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 3,311 |
| Cost of funding earning assets | 1.2140% | 2,389 |
| Net interest margin | 3.0763% | 3,187 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.6117% | 4,230 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1869% | 1,827 |
| Return on assets (ROA) | 1.1869% | 1,814 |
| Pretax return on assets | 1.6515% | 1,256 |
| Return on Equity (ROE) | 5.8500% | 3,669 |
| Retained earnings to average equity (ytd only) | 5.8514% | 2,674 |
| Net charge-offs to loans | -0.0559% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.3900% | 3,957 |
| Assets per employee ($millions) | 8.1053% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 3,581 |
| Loan loss allowance to noncurrent loans | 2,955.0725% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 3,539 |
| Noncurrent loans to loans | 0.0319% | 3,541 |
| Net loans and leases to total assets | 82.4900% | 401 |
| Net loans and leases to deposits | 115.3449% | 114 |
| Net loans and leases to core deposits | 126.1833% | 415 |
| Total domestic deposits to total assets | 71.5200% | 4,270 |
| Equity capital to assets | 20.3508% | 278 |
| Core capital (leverage) ratio | 20.6608% | 257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7238% | 447 |
| Memoranda: | ||
| Average total assets | $254,544,000 | 2,662 |
| Average earning assets | $244,921,250 | 2,609 |
| Average equity | $51,633,250 | 1,556 |
| Average total loans | $209,778,250 | 2,227 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 3,372 |
| Cost of funding earning assets | 1.1313% | 2,193 |
| Net interest margin | 3.0310% | 3,349 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 1.6605% | 4,196 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1450% | 1,983 |
| Return on assets (ROA) | 1.1450% | 1,981 |
| Pretax return on assets | 1.5838% | 1,440 |
| Return on Equity (ROE) | 5.6500% | 3,769 |
| Retained earnings to average equity (ytd only) | 5.6508% | 2,741 |
| Net charge-offs to loans | -0.0221% | 4,153 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.1821% | 3,839 |
| Assets per employee ($millions) | 8.4254% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 3,645 |
| Loan loss allowance to noncurrent loans | 2,597.3684% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 3,487 |
| Noncurrent loans to loans | 0.0364% | 3,474 |
| Net loans and leases to total assets | 81.9200% | 439 |
| Net loans and leases to deposits | 119.1030% | 100 |
| Net loans and leases to core deposits | 129.6616% | 334 |
| Total domestic deposits to total assets | 68.7800% | 4,388 |
| Equity capital to assets | 20.5596% | 267 |
| Core capital (leverage) ratio | 21.0494% | 223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5024% | 409 |
| Memoranda: | ||
| Average total assets | $252,935,000 | 2,675 |
| Average earning assets | $243,089,333 | 2,623 |
| Average equity | $51,249,667 | 1,574 |
| Average total loans | $207,705,000 | 2,238 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 3,286 |
| Cost of funding earning assets | 1.0442% | 1,895 |
| Net interest margin | 3.0370% | 3,507 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.6125% | 4,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1778% | 1,998 |
| Return on assets (ROA) | 1.1778% | 1,957 |
| Pretax return on assets | 1.6663% | 1,344 |
| Return on Equity (ROE) | 5.8600% | 3,749 |
| Retained earnings to average equity (ytd only) | 5.8557% | 2,806 |
| Net charge-offs to loans | -0.0270% | 4,184 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.1803% | 4,010 |
| Assets per employee ($millions) | 7.7093% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 3,616 |
| Loan loss allowance to noncurrent loans | 1,142.4419% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 3,102 |
| Noncurrent loans to loans | 0.0854% | 3,128 |
| Net loans and leases to total assets | 80.8000% | 471 |
| Net loans and leases to deposits | 111.2096% | 169 |
| Net loans and leases to core deposits | 119.0494% | 461 |
| Total domestic deposits to total assets | 72.6600% | 4,335 |
| Equity capital to assets | 20.7801% | 216 |
| Core capital (leverage) ratio | 20.1704% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4067% | 621 |
| Memoranda: | ||
| Average total assets | $253,021,000 | 2,711 |
| Average earning assets | $242,873,000 | 2,659 |
| Average equity | $50,891,000 | 1,591 |
| Average total loans | $207,032,500 | 2,255 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7873% | 2,316 |
| Cost of funding earning assets | 0.3425% | 2,542 |
| Net interest margin | 3.4448% | 2,116 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.6609% | 4,230 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4538% | 996 |
| Return on assets (ROA) | 1.4538% | 954 |
| Pretax return on assets | 1.9616% | 520 |
| Return on Equity (ROE) | 7.3600% | 3,552 |
| Retained earnings to average equity (ytd only) | 7.3646% | 2,076 |
| Net charge-offs to loans | -0.0421% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 45.8492% | 4,353 |
| Assets per employee ($millions) | 8.3660% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9165% | 3,710 |
| Loan loss allowance to noncurrent loans | 955.8824% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 3,014 |
| Noncurrent loans to loans | 0.0959% | 3,077 |
| Net loans and leases to total assets | 81.2900% | 473 |
| Net loans and leases to deposits | 111.3912% | 141 |
| Net loans and leases to core deposits | 118.1837% | 400 |
| Total domestic deposits to total assets | 72.9700% | 4,392 |
| Equity capital to assets | 19.4791% | 237 |
| Core capital (leverage) ratio | 20.1398% | 251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3706% | 452 |
| Memoranda: | ||
| Average total assets | $246,740,000 | 2,747 |
| Average earning assets | $237,979,600 | 2,684 |
| Average equity | $48,705,800 | 1,655 |
| Average total loans | $196,943,600 | 2,250 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7712% | 1,835 |
| Cost of funding earning assets | 0.2660% | 2,533 |
| Net interest margin | 3.5052% | 1,651 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 1.6738% | 4,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4811% | 888 |
| Return on assets (ROA) | 1.4811% | 874 |
| Pretax return on assets | 2.0148% | 452 |
| Return on Equity (ROE) | 7.4800% | 3,472 |
| Retained earnings to average equity (ytd only) | 7.4771% | 2,199 |
| Net charge-offs to loans | -0.0318% | 4,149 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.3777% | 4,408 |
| Assets per employee ($millions) | 7.3442% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 3,748 |
| Loan loss allowance to noncurrent loans | 1,105.7803% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 3,201 |
| Noncurrent loans to loans | 0.0849% | 3,270 |
| Net loans and leases to total assets | 80.8200% | 459 |
| Net loans and leases to deposits | 107.0728% | 174 |
| Net loans and leases to core deposits | 112.6446% | 396 |
| Total domestic deposits to total assets | 75.4800% | 4,388 |
| Equity capital to assets | 19.8784% | 221 |
| Core capital (leverage) ratio | 19.9172% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4754% | 467 |
| Memoranda: | ||
| Average total assets | $243,588,750 | 2,785 |
| Average earning assets | $235,110,750 | 2,722 |
| Average equity | $48,252,750 | 1,685 |
| Average total loans | $192,989,750 | 2,280 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6522% | 1,673 |
| Cost of funding earning assets | 0.2172% | 2,678 |
| Net interest margin | 3.4350% | 1,498 |
| Noninterest income to average assets | 0.3171% | 3,271 |
| Noninterest expense to average assets | 1.6932% | 4,153 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4274% | 842 |
| Return on assets (ROA) | 1.4274% | 828 |
| Pretax return on assets | 1.9367% | 436 |
| Return on Equity (ROE) | 7.2147% | 3,248 |
| Retained earnings to average equity (ytd only) | 7.2147% | 1,910 |
| Net charge-offs to loans | -0.0190% | 3,843 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6469% | 4,420 |
| Assets per employee ($millions) | 7.2617% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9531% | 3,785 |
| Loan loss allowance to noncurrent loans | 624.1722% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 2,852 |
| Noncurrent loans to loans | 0.1527% | 2,931 |
| Net loans and leases to total assets | 79.3429% | 449 |
| Net loans and leases to deposits | 102.5736% | 195 |
| Net loans and leases to core deposits | 107.8325% | 400 |
| Total domestic deposits to total assets | 77.3522% | 4,391 |
| Equity capital to assets | 19.7065% | 174 |
| Core capital (leverage) ratio | 20.1988% | 179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8188% | 429 |
| Memoranda: | ||
| Average total assets | $241,550,667 | 2,819 |
| Average earning assets | $232,958,000 | 2,770 |
| Average equity | $47,791,333 | 1,740 |
| Average total loans | $189,410,667 | 2,306 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6666% | 1,353 |
| Cost of funding earning assets | 0.2091% | 2,680 |
| Net interest margin | 3.4575% | 1,162 |
| Noninterest income to average assets | 0.3483% | 3,009 |
| Noninterest expense to average assets | 1.7549% | 4,044 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4350% | 736 |
| Return on assets (ROA) | 1.4350% | 733 |
| Pretax return on assets | 1.9441% | 408 |
| Return on Equity (ROE) | 7.2383% | 2,960 |
| Retained earnings to average equity (ytd only) | 7.2383% | 1,814 |
| Net charge-offs to loans | -0.0194% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4423% | 4,432 |
| Assets per employee ($millions) | 6.9611% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 3,716 |
| Loan loss allowance to noncurrent loans | 631.6498% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 2,927 |
| Noncurrent loans to loans | 0.1587% | 3,011 |
| Net loans and leases to total assets | 78.2802% | 359 |
| Net loans and leases to deposits | 98.2802% | 223 |
| Net loans and leases to core deposits | 103.0560% | 422 |
| Total domestic deposits to total assets | 79.6500% | 4,304 |
| Equity capital to assets | 20.1911% | 156 |
| Core capital (leverage) ratio | 20.0621% | 166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5098% | 398 |
| Memoranda: | ||
| Average total assets | $238,877,000 | 2,852 |
| Average earning assets | $231,494,500 | 2,793 |
| Average equity | $47,359,500 | 1,805 |
| Average total loans | $185,225,500 | 2,337 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5818% | 2,437 |
| Cost of funding earning assets | 0.2707% | 2,697 |
| Net interest margin | 3.3111% | 2,284 |
| Noninterest income to average assets | 0.5154% | 2,501 |
| Noninterest expense to average assets | 1.6220% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5068% | 995 |
| Return on assets (ROA) | 1.5068% | 1,042 |
| Pretax return on assets | 2.0535% | 551 |
| Return on Equity (ROE) | 7.8594% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.8594% | 1,600 |
| Net charge-offs to loans | -0.0071% | 3,640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1295% | 4,570 |
| Assets per employee ($millions) | 6.3441% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 3,669 |
| Loan loss allowance to noncurrent loans | 143.7259% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5388% | 1,227 |
| Noncurrent loans to loans | 0.7087% | 1,430 |
| Net loans and leases to total assets | 75.2609% | 565 |
| Net loans and leases to deposits | 93.5059% | 403 |
| Net loans and leases to core deposits | 98.1547% | 605 |
| Total domestic deposits to total assets | 80.4879% | 4,166 |
| Equity capital to assets | 19.4673% | 192 |
| Core capital (leverage) ratio | 19.8593% | 175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2039% | 430 |
| Memoranda: | ||
| Average total assets | $236,134,000 | 2,812 |
| Average earning assets | $225,362,800 | 2,776 |
| Average equity | $45,270,800 | 1,913 |
| Average total loans | $168,707,400 | 2,478 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6458% | 2,438 |
| Cost of funding earning assets | 0.2853% | 2,745 |
| Net interest margin | 3.3606% | 2,267 |
| Noninterest income to average assets | 0.5528% | 2,402 |
| Noninterest expense to average assets | 1.6427% | 4,410 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5428% | 1,165 |
| Return on assets (ROA) | 1.5428% | 1,210 |
| Pretax return on assets | 2.0996% | 675 |
| Return on Equity (ROE) | 8.0790% | 3,376 |
| Retained earnings to average equity (ytd only) | 8.0790% | 2,031 |
| Net charge-offs to loans | 0.0113% | 1,909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 264.2143% | 463 |
| Efficiency ratio | 43.8950% | 4,589 |
| Assets per employee ($millions) | 7.6205% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 3,641 |
| Loan loss allowance to noncurrent loans | 137.9026% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 1,362 |
| Noncurrent loans to loans | 0.7657% | 1,475 |
| Net loans and leases to total assets | 73.0249% | 774 |
| Net loans and leases to deposits | 90.8020% | 560 |
| Net loans and leases to core deposits | 95.6747% | 763 |
| Total domestic deposits to total assets | 80.4221% | 4,177 |
| Equity capital to assets | 19.5106% | 212 |
| Core capital (leverage) ratio | 19.1725% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7194% | 387 |
| Memoranda: | ||
| Average total assets | $234,898,500 | 2,848 |
| Average earning assets | $222,933,750 | 2,820 |
| Average equity | $44,855,750 | 1,948 |
| Average total loans | $165,058,500 | 2,546 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6633% | 2,432 |
| Cost of funding earning assets | 0.2935% | 2,837 |
| Net interest margin | 3.3697% | 2,242 |
| Noninterest income to average assets | 0.6227% | 2,116 |
| Noninterest expense to average assets | 1.6251% | 4,477 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6660% | 928 |
| Return on assets (ROA) | 1.6660% | 980 |
| Pretax return on assets | 2.2589% | 515 |
| Return on Equity (ROE) | 8.7886% | 3,168 |
| Retained earnings to average equity (ytd only) | 8.7886% | 1,783 |
| Net charge-offs to loans | 0.0506% | 1,118 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 64.5854% | 936 |
| Efficiency ratio | 41.8405% | 4,702 |
| Assets per employee ($millions) | 7.1210% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 3,513 |
| Loan loss allowance to noncurrent loans | 132.0233% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 1,466 |
| Noncurrent loans to loans | 0.8159% | 1,508 |
| Net loans and leases to total assets | 68.8035% | 1,353 |
| Net loans and leases to deposits | 84.9047% | 996 |
| Net loans and leases to core deposits | 89.0019% | 1,207 |
| Total domestic deposits to total assets | 81.0362% | 4,088 |
| Equity capital to assets | 18.7209% | 244 |
| Core capital (leverage) ratio | 19.0254% | 214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5158% | 322 |
| Memoranda: | ||
| Average total assets | $234,452,667 | 2,850 |
| Average earning assets | $226,901,667 | 2,781 |
| Average equity | $44,444,000 | 1,952 |
| Average total loans | $161,960,667 | 2,582 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3422% | 3,360 |
| Cost of funding earning assets | 0.3159% | 2,831 |
| Net interest margin | 3.0262% | 3,194 |
| Noninterest income to average assets | 0.6504% | 2,026 |
| Noninterest expense to average assets | 1.6737% | 4,427 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4170% | 1,529 |
| Return on assets (ROA) | 1.4170% | 1,602 |
| Pretax return on assets | 1.9009% | 1,117 |
| Return on Equity (ROE) | 7.4268% | 3,490 |
| Retained earnings to average equity (ytd only) | 3.3998% | 3,661 |
| Net charge-offs to loans | 0.1058% | 658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 26.0952% | 1,146 |
| Efficiency ratio | 46.8219% | 4,419 |
| Assets per employee ($millions) | 6.8276% | 1,908 |
| Cash dividends to net income (ytd only)* | 54.2228% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 3,206 |
| Loan loss allowance to noncurrent loans | 125.7282% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.7095% | 1,308 |
| Noncurrent loans to loans | 0.9122% | 1,485 |
| Net loans and leases to total assets | 67.3189% | 1,619 |
| Net loans and leases to deposits | 83.4084% | 1,205 |
| Net loans and leases to core deposits | 87.4016% | 1,423 |
| Total domestic deposits to total assets | 80.7099% | 4,101 |
| Equity capital to assets | 19.0359% | 220 |
| Core capital (leverage) ratio | 19.0514% | 221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8192% | 276 |
| Memoranda: | ||
| Average total assets | $230,622,000 | 2,860 |
| Average earning assets | $222,850,500 | 2,789 |
| Average equity | $44,003,000 | 1,952 |
| Average total loans | $158,742,500 | 2,612 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9606% | 2,853 |
| Cost of funding earning assets | 0.5154% | 2,849 |
| Net interest margin | 3.4452% | 2,638 |
| Noninterest income to average assets | 0.7776% | 1,599 |
| Noninterest expense to average assets | 1.7261% | 4,587 |
| Loan and lease loss provision to assets | 0.0856% | 3,297 |
| Net operating income to assets | 1.6659% | 547 |
| Return on assets (ROA) | 1.6659% | 590 |
| Pretax return on assets | 2.2962% | 258 |
| Return on Equity (ROE) | 7.8098% | 2,888 |
| Retained earnings to average equity (ytd only) | 5.3411% | 2,121 |
| Net charge-offs to loans | 0.0205% | 2,653 |
| Credit loss provision to net charge-offs | 583.3333% | 1,125 |
| Earnings coverage of net charge-offs (x) | 162.2333% | 537 |
| Efficiency ratio | 42.0181% | 4,832 |
| Assets per employee ($millions) | 6.7384% | 1,755 |
| Cash dividends to net income (ytd only)* | 31.6099% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 3,137 |
| Loan loss allowance to noncurrent loans | 62.9667% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.2859% | 631 |
| Noncurrent loans to loans | 1.8482% | 660 |
| Net loans and leases to total assets | 68.7648% | 1,726 |
| Net loans and leases to deposits | 85.2067% | 1,322 |
| Net loans and leases to core deposits | 89.3298% | 1,580 |
| Total domestic deposits to total assets | 80.7035% | 3,925 |
| Equity capital to assets | 19.1249% | 227 |
| Core capital (leverage) ratio | 20.8293% | 160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2779% | 284 |
| Memoranda: | ||
| Average total assets | $204,336,400 | 2,901 |
| Average earning assets | $197,520,600 | 2,849 |
| Average equity | $43,586,400 | 1,884 |
| Average total loans | $146,635,200 | 2,692 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1343% | 2,573 |
| Cost of funding earning assets | 0.5667% | 2,830 |
| Net interest margin | 3.5676% | 2,365 |
| Noninterest income to average assets | 0.7705% | 1,594 |
| Noninterest expense to average assets | 1.7381% | 4,580 |
| Loan and lease loss provision to assets | 0.1176% | 2,853 |
| Net operating income to assets | 1.7132% | 560 |
| Return on assets (ROA) | 1.7132% | 624 |
| Pretax return on assets | 2.3672% | 251 |
| Return on Equity (ROE) | 7.7984% | 2,882 |
| Retained earnings to average equity (ytd only) | 7.7984% | 1,371 |
| Net charge-offs to loans | 0.0288% | 2,257 |
| Credit loss provision to net charge-offs | 564.5161% | 1,200 |
| Earnings coverage of net charge-offs (x) | 119.1290% | 699 |
| Efficiency ratio | 41.1568% | 4,868 |
| Assets per employee ($millions) | 6.9970% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 2,467 |
| Loan loss allowance to noncurrent loans | 56.0459% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.6302% | 496 |
| Noncurrent loans to loans | 2.2063% | 526 |
| Net loans and leases to total assets | 72.9777% | 1,503 |
| Net loans and leases to deposits | 93.9601% | 925 |
| Net loans and leases to core deposits | 99.1470% | 1,226 |
| Total domestic deposits to total assets | 77.6689% | 4,246 |
| Equity capital to assets | 22.1177% | 147 |
| Core capital (leverage) ratio | 22.0588% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1970% | 235 |
| Memoranda: | ||
| Average total assets | $198,144,500 | 2,942 |
| Average earning assets | $191,757,250 | 2,875 |
| Average equity | $43,529,000 | 1,880 |
| Average total loans | $143,444,500 | 2,721 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 3,535 |
| Cost of funding earning assets | 0.6068% | 2,930 |
| Net interest margin | 3.3228% | 3,328 |
| Noninterest income to average assets | 0.6451% | 1,952 |
| Noninterest expense to average assets | 1.7613% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5507% | 847 |
| Return on assets (ROA) | 1.5507% | 919 |
| Pretax return on assets | 2.0931% | 448 |
| Return on Equity (ROE) | 7.0754% | 3,102 |
| Retained earnings to average equity (ytd only) | 7.0754% | 1,625 |
| Net charge-offs to loans | 0.0453% | 1,843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 64.2813% | 923 |
| Efficiency ratio | 45.6969% | 4,743 |
| Assets per employee ($millions) | 6.7822% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 2,810 |
| Loan loss allowance to noncurrent loans | 44.6277% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.8657% | 412 |
| Noncurrent loans to loans | 2.5629% | 445 |
| Net loans and leases to total assets | 71.2792% | 1,833 |
| Net loans and leases to deposits | 91.4162% | 1,223 |
| Net loans and leases to core deposits | 96.1737% | 1,567 |
| Total domestic deposits to total assets | 77.9722% | 4,193 |
| Equity capital to assets | 21.5554% | 157 |
| Core capital (leverage) ratio | 22.3137% | 138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6962% | 231 |
| Memoranda: | ||
| Average total assets | $196,554,667 | 2,928 |
| Average earning assets | $189,838,000 | 2,870 |
| Average equity | $43,078,667 | 1,881 |
| Average total loans | $141,280,667 | 2,732 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2033% | 3,195 |
| Cost of funding earning assets | 0.6682% | 3,067 |
| Net interest margin | 3.5351% | 2,866 |
| Noninterest income to average assets | 0.4267% | 2,928 |
| Noninterest expense to average assets | 1.8291% | 4,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4707% | 833 |
| Return on assets (ROA) | 1.4707% | 908 |
| Pretax return on assets | 1.9948% | 450 |
| Return on Equity (ROE) | 6.6528% | 3,080 |
| Retained earnings to average equity (ytd only) | 6.6528% | 1,663 |
| Net charge-offs to loans | -0.0058% | 3,903 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8332% | 4,763 |
| Assets per employee ($millions) | 5.8404% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,501 |
| Loan loss allowance to noncurrent loans | 49.2804% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.8781% | 467 |
| Noncurrent loans to loans | 2.5009% | 480 |
| Net loans and leases to total assets | 73.4101% | 1,710 |
| Net loans and leases to deposits | 95.7679% | 933 |
| Net loans and leases to core deposits | 101.1009% | 1,393 |
| Total domestic deposits to total assets | 76.6541% | 4,404 |
| Equity capital to assets | 23.0312% | 148 |
| Core capital (leverage) ratio | 22.1568% | 166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0056% | 247 |
| Memoranda: | ||
| Average total assets | $193,099,000 | 2,923 |
| Average earning assets | $185,566,500 | 2,867 |
| Average equity | $42,689,000 | 1,888 |
| Average total loans | $138,567,500 | 2,735 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 3,683 |
| Cost of funding earning assets | 0.6911% | 3,200 |
| Net interest margin | 3.5578% | 3,261 |
| Noninterest income to average assets | 0.4423% | 3,046 |
| Noninterest expense to average assets | 1.6950% | 4,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6196% | 799 |
| Return on assets (ROA) | 1.6196% | 858 |
| Pretax return on assets | 2.1700% | 404 |
| Return on Equity (ROE) | 7.5367% | 3,353 |
| Retained earnings to average equity (ytd only) | 7.5367% | 1,149 |
| Net charge-offs to loans | -0.0049% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8549% | 4,982 |
| Assets per employee ($millions) | 5.8619% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 2,245 |
| Loan loss allowance to noncurrent loans | 64.1892% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.3577% | 786 |
| Noncurrent loans to loans | 1.9273% | 676 |
| Net loans and leases to total assets | 68.4954% | 2,610 |
| Net loans and leases to deposits | 87.2127% | 1,945 |
| Net loans and leases to core deposits | 91.6134% | 2,265 |
| Total domestic deposits to total assets | 78.5383% | 4,271 |
| Equity capital to assets | 21.2409% | 200 |
| Core capital (leverage) ratio | 22.0831% | 171 |
| Tier 1 risk-based capital ratio | 29.4401% | 495 |
| Total risk-based capital ratio | 30.6293% | 490 |
| Memoranda: | ||
| Average total assets | $189,680,200 | 2,921 |
| Average earning assets | $182,470,800 | 2,860 |
| Average equity | $40,760,600 | 1,901 |
| Average total loans | $143,588,400 | 2,682 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2621% | 3,772 |
| Cost of funding earning assets | 0.7042% | 3,201 |
| Net interest margin | 3.5579% | 3,377 |
| Noninterest income to average assets | 0.4250% | 3,178 |
| Noninterest expense to average assets | 1.6887% | 4,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6190% | 891 |
| Return on assets (ROA) | 1.6190% | 930 |
| Pretax return on assets | 2.1643% | 486 |
| Return on Equity (ROE) | 7.5108% | 3,501 |
| Retained earnings to average equity (ytd only) | 7.5108% | 1,617 |
| Net charge-offs to loans | -0.0055% | 4,228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8285% | 5,021 |
| Assets per employee ($millions) | 6.0765% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 2,766 |
| Loan loss allowance to noncurrent loans | 124.3814% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 1,823 |
| Noncurrent loans to loans | 0.9261% | 1,733 |
| Net loans and leases to total assets | 77.8585% | 1,169 |
| Net loans and leases to deposits | 100.2262% | 613 |
| Net loans and leases to core deposits | 105.1054% | 1,252 |
| Total domestic deposits to total assets | 77.6828% | 4,411 |
| Equity capital to assets | 22.0502% | 183 |
| Core capital (leverage) ratio | 22.0976% | 175 |
| Tier 1 risk-based capital ratio | 27.3582% | 617 |
| Total risk-based capital ratio | 28.4838% | 610 |
| Memoranda: | ||
| Average total assets | $187,274,250 | 2,963 |
| Average earning assets | $180,440,500 | 2,905 |
| Average equity | $40,367,250 | 1,921 |
| Average total loans | $144,929,500 | 2,696 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 3,901 |
| Cost of funding earning assets | 0.6949% | 3,194 |
| Net interest margin | 3.5155% | 3,547 |
| Noninterest income to average assets | 0.3510% | 3,591 |
| Noninterest expense to average assets | 1.6768% | 4,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5376% | 1,037 |
| Return on assets (ROA) | 1.5376% | 1,094 |
| Pretax return on assets | 2.0523% | 616 |
| Return on Equity (ROE) | 7.1890% | 3,604 |
| Retained earnings to average equity (ytd only) | 7.1890% | 1,730 |
| Net charge-offs to loans | -0.0056% | 4,155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9641% | 5,027 |
| Assets per employee ($millions) | 6.9378% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 2,543 |
| Loan loss allowance to noncurrent loans | 193.7571% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4927% | 2,574 |
| Noncurrent loans to loans | 0.6176% | 2,412 |
| Net loans and leases to total assets | 75.2370% | 1,680 |
| Net loans and leases to deposits | 96.4575% | 989 |
| Net loans and leases to core deposits | 101.6180% | 1,588 |
| Total domestic deposits to total assets | 78.0002% | 4,396 |
| Equity capital to assets | 21.7270% | 183 |
| Core capital (leverage) ratio | 21.9200% | 173 |
| Tier 1 risk-based capital ratio | 27.9263% | 569 |
| Total risk-based capital ratio | 29.0976% | 559 |
| Memoranda: | ||
| Average total assets | $186,909,000 | 2,979 |
| Average earning assets | $179,606,670 | 2,921 |
| Average equity | $39,977,670 | 1,932 |
| Average total loans | $143,782,330 | 2,718 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1908% | 3,900 |
| Cost of funding earning assets | 0.6776% | 3,167 |
| Net interest margin | 3.5132% | 3,559 |
| Noninterest income to average assets | 0.3364% | 3,610 |
| Noninterest expense to average assets | 1.6797% | 5,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5211% | 1,069 |
| Return on assets (ROA) | 1.5211% | 1,093 |
| Pretax return on assets | 2.0225% | 619 |
| Return on Equity (ROE) | 7.1686% | 3,606 |
| Retained earnings to average equity (ytd only) | 7.1686% | 1,974 |
| Net charge-offs to loans | -0.0055% | 4,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3704% | 5,050 |
| Assets per employee ($millions) | 5.4320% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 2,667 |
| Loan loss allowance to noncurrent loans | 187.3626% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 2,563 |
| Noncurrent loans to loans | 0.6322% | 2,435 |
| Net loans and leases to total assets | 77.0088% | 1,316 |
| Net loans and leases to deposits | 98.7276% | 725 |
| Net loans and leases to core deposits | 104.9871% | 1,249 |
| Total domestic deposits to total assets | 78.0013% | 4,516 |
| Equity capital to assets | 21.6430% | 180 |
| Core capital (leverage) ratio | 21.3058% | 189 |
| Tier 1 risk-based capital ratio | 27.3702% | 598 |
| Total risk-based capital ratio | 28.5377% | 591 |
| Memoranda: | ||
| Average total assets | $186,703,500 | 3,017 |
| Average earning assets | $178,869,000 | 2,961 |
| Average equity | $39,617,000 | 1,936 |
| Average total loans | $144,353,000 | 2,747 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1003% | 3,741 |
| Cost of funding earning assets | 0.4939% | 3,397 |
| Net interest margin | 3.6063% | 3,360 |
| Noninterest income to average assets | 0.4897% | 2,888 |
| Noninterest expense to average assets | 1.6588% | 5,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.7119% | 673 |
| Return on assets (ROA) | 1.7119% | 663 |
| Pretax return on assets | 2.2782% | 305 |
| Return on Equity (ROE) | 8.3042% | 3,319 |
| Retained earnings to average equity (ytd only) | 8.3042% | 1,115 |
| Net charge-offs to loans | 0.0280% | 2,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 106.7692% | 711 |
| Efficiency ratio | 42.1345% | 5,235 |
| Assets per employee ($millions) | 6.0877% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 2,685 |
| Loan loss allowance to noncurrent loans | 119.0077% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.7805% | 1,791 |
| Noncurrent loans to loans | 0.9884% | 1,644 |
| Net loans and leases to total assets | 75.8122% | 1,645 |
| Net loans and leases to deposits | 96.2333% | 1,051 |
| Net loans and leases to core deposits | 101.9213% | 1,585 |
| Total domestic deposits to total assets | 78.7796% | 4,357 |
| Equity capital to assets | 20.8045% | 200 |
| Core capital (leverage) ratio | 21.2382% | 187 |
| Tier 1 risk-based capital ratio | 26.5643% | 638 |
| Total risk-based capital ratio | 27.7165% | 631 |
| Memoranda: | ||
| Average total assets | $182,778,600 | 3,028 |
| Average earning assets | $174,719,600 | 2,983 |
| Average equity | $37,679,800 | 1,955 |
| Average total loans | $139,412,800 | 2,774 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0630% | 3,745 |
| Cost of funding earning assets | 0.4536% | 3,505 |
| Net interest margin | 3.6094% | 3,336 |
| Noninterest income to average assets | 0.5200% | 2,743 |
| Noninterest expense to average assets | 1.6555% | 5,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7452% | 672 |
| Return on assets (ROA) | 1.7452% | 678 |
| Pretax return on assets | 2.3232% | 326 |
| Return on Equity (ROE) | 8.4859% | 3,338 |
| Retained earnings to average equity (ytd only) | 8.4859% | 1,428 |
| Net charge-offs to loans | 0.0386% | 2,306 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 78.9779% | 885 |
| Efficiency ratio | 41.6081% | 5,287 |
| Assets per employee ($millions) | 5.7702% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 2,627 |
| Loan loss allowance to noncurrent loans | 114.0751% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.8855% | 1,664 |
| Noncurrent loans to loans | 1.0511% | 1,619 |
| Net loans and leases to total assets | 75.9506% | 1,668 |
| Net loans and leases to deposits | 101.8039% | 662 |
| Net loans and leases to core deposits | 108.0873% | 1,164 |
| Total domestic deposits to total assets | 74.6048% | 4,927 |
| Equity capital to assets | 20.8541% | 199 |
| Core capital (leverage) ratio | 21.0498% | 191 |
| Tier 1 risk-based capital ratio | 27.1496% | 617 |
| Total risk-based capital ratio | 28.3496% | 611 |
| Memoranda: | ||
| Average total assets | $181,293,500 | 3,061 |
| Average earning assets | $173,727,750 | 3,011 |
| Average equity | $37,284,250 | 1,975 |
| Average total loans | $138,072,250 | 2,814 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 3,714 |
| Cost of funding earning assets | 0.4099% | 3,654 |
| Net interest margin | 3.6150% | 3,256 |
| Noninterest income to average assets | 0.5517% | 2,572 |
| Noninterest expense to average assets | 1.6961% | 5,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7472% | 660 |
| Return on assets (ROA) | 1.7472% | 660 |
| Pretax return on assets | 2.3111% | 319 |
| Return on Equity (ROE) | 8.5365% | 3,243 |
| Retained earnings to average equity (ytd only) | 8.5365% | 1,390 |
| Net charge-offs to loans | 0.0599% | 1,749 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 50.7805% | 1,117 |
| Efficiency ratio | 42.3269% | 5,331 |
| Assets per employee ($millions) | 5.9113% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 2,586 |
| Loan loss allowance to noncurrent loans | 105.9813% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 1,580 |
| Noncurrent loans to loans | 1.1541% | 1,509 |
| Net loans and leases to total assets | 74.9589% | 1,797 |
| Net loans and leases to deposits | 97.3515% | 1,013 |
| Net loans and leases to core deposits | 102.9623% | 1,489 |
| Total domestic deposits to total assets | 76.9982% | 4,737 |
| Equity capital to assets | 20.5767% | 206 |
| Core capital (leverage) ratio | 20.9222% | 189 |
| Tier 1 risk-based capital ratio | 27.2052% | 594 |
| Total risk-based capital ratio | 28.4325% | 590 |
| Memoranda: | ||
| Average total assets | $180,176,330 | 3,091 |
| Average earning assets | $172,224,670 | 3,043 |
| Average equity | $36,877,000 | 1,992 |
| Average total loans | $136,782,670 | 2,833 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9793% | 3,693 |
| Cost of funding earning assets | 0.3718% | 3,813 |
| Net interest margin | 3.6075% | 3,149 |
| Noninterest income to average assets | 0.3336% | 3,923 |
| Noninterest expense to average assets | 1.7465% | 5,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4734% | 1,135 |
| Return on assets (ROA) | 1.4734% | 1,139 |
| Pretax return on assets | 2.0197% | 548 |
| Return on Equity (ROE) | 7.2185% | 3,694 |
| Retained earnings to average equity (ytd only) | 7.2185% | 2,177 |
| Net charge-offs to loans | 0.1239% | 1,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 21.4762% | 1,433 |
| Efficiency ratio | 46.3734% | 5,255 |
| Assets per employee ($millions) | 5.6515% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 2,478 |
| Loan loss allowance to noncurrent loans | 122.4784% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.1562% | 1,326 |
| Noncurrent loans to loans | 1.0260% | 1,780 |
| Net loans and leases to total assets | 73.8642% | 1,876 |
| Net loans and leases to deposits | 96.3906% | 993 |
| Net loans and leases to core deposits | 100.9911% | 1,613 |
| Total domestic deposits to total assets | 76.6301% | 4,906 |
| Equity capital to assets | 20.3436% | 201 |
| Core capital (leverage) ratio | 20.0523% | 210 |
| Tier 1 risk-based capital ratio | 27.1725% | 605 |
| Total risk-based capital ratio | 28.4221% | 598 |
| Memoranda: | ||
| Average total assets | $178,639,000 | 3,142 |
| Average earning assets | $169,981,000 | 3,097 |
| Average equity | $36,462,000 | 2,018 |
| Average total loans | $135,642,000 | 2,865 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8090% | 4,020 |
| Cost of funding earning assets | 0.3187% | 3,965 |
| Net interest margin | 3.4903% | 3,563 |
| Noninterest income to average assets | 0.5251% | 2,849 |
| Noninterest expense to average assets | 1.6940% | 5,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2407% | 1,389 |
| Return on assets (ROA) | 1.2407% | 1,405 |
| Pretax return on assets | 2.1515% | 348 |
| Return on Equity (ROE) | 5.9523% | 3,780 |
| Retained earnings to average equity (ytd only) | 5.9523% | 1,568 |
| Net charge-offs to loans | -0.0047% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0518% | 5,448 |
| Assets per employee ($millions) | 5.5134% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 2,314 |
| Loan loss allowance to noncurrent loans | 74.9247% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.8279% | 668 |
| Noncurrent loans to loans | 1.7095% | 953 |
| Net loans and leases to total assets | 76.0982% | 1,573 |
| Net loans and leases to deposits | 96.2907% | 1,062 |
| Net loans and leases to core deposits | 100.5437% | 1,669 |
| Total domestic deposits to total assets | 79.0296% | 4,535 |
| Equity capital to assets | 20.4801% | 191 |
| Core capital (leverage) ratio | 21.0718% | 172 |
| Tier 1 risk-based capital ratio | 25.8466% | 674 |
| Total risk-based capital ratio | 27.0927% | 661 |
| Memoranda: | ||
| Average total assets | $168,537,000 | 3,264 |
| Average earning assets | $160,329,600 | 3,195 |
| Average equity | $35,129,200 | 2,073 |
| Average total loans | $127,491,400 | 2,948 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8043% | 4,000 |
| Cost of funding earning assets | 0.3156% | 3,980 |
| Net interest margin | 3.4887% | 3,542 |
| Noninterest income to average assets | 0.5243% | 2,876 |
| Noninterest expense to average assets | 1.6938% | 5,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3624% | 1,179 |
| Return on assets (ROA) | 1.3624% | 1,191 |
| Pretax return on assets | 2.1581% | 401 |
| Return on Equity (ROE) | 6.5063% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.5063% | 1,956 |
| Net charge-offs to loans | -0.0053% | 4,475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9734% | 5,481 |
| Assets per employee ($millions) | 5.5583% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 2,065 |
| Loan loss allowance to noncurrent loans | 256.4065% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.9469% | 1,797 |
| Noncurrent loans to loans | 0.5317% | 3,104 |
| Net loans and leases to total assets | 75.5358% | 1,678 |
| Net loans and leases to deposits | 96.8259% | 1,021 |
| Net loans and leases to core deposits | 101.2817% | 1,600 |
| Total domestic deposits to total assets | 78.0120% | 4,725 |
| Equity capital to assets | 21.4357% | 170 |
| Core capital (leverage) ratio | 21.4941% | 158 |
| Tier 1 risk-based capital ratio | 27.4323% | 595 |
| Total risk-based capital ratio | 28.6833% | 587 |
| Memoranda: | ||
| Average total assets | $166,563,750 | 3,306 |
| Average earning assets | $158,870,000 | 3,241 |
| Average equity | $34,878,250 | 2,092 |
| Average total loans | $125,363,750 | 3,008 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7568% | 4,048 |
| Cost of funding earning assets | 0.3127% | 3,950 |
| Net interest margin | 3.4442% | 3,615 |
| Noninterest income to average assets | 0.5213% | 2,891 |
| Noninterest expense to average assets | 1.6913% | 5,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3321% | 1,210 |
| Return on assets (ROA) | 1.3321% | 1,234 |
| Pretax return on assets | 2.1117% | 431 |
| Return on Equity (ROE) | 6.4123% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.4123% | 1,897 |
| Net charge-offs to loans | -0.0048% | 4,330 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4725% | 5,509 |
| Assets per employee ($millions) | 5.2668% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 2,043 |
| Loan loss allowance to noncurrent loans | 248.7840% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.9793% | 1,790 |
| Noncurrent loans to loans | 0.5541% | 3,076 |
| Net loans and leases to total assets | 76.1943% | 1,519 |
| Net loans and leases to deposits | 97.8942% | 902 |
| Net loans and leases to core deposits | 103.3969% | 1,401 |
| Total domestic deposits to total assets | 77.8333% | 4,841 |
| Equity capital to assets | 21.5291% | 157 |
| Core capital (leverage) ratio | 21.4111% | 152 |
| Tier 1 risk-based capital ratio | 27.8283% | 560 |
| Total risk-based capital ratio | 29.0791% | 548 |
| Memoranda: | ||
| Average total assets | $166,501,670 | 3,326 |
| Average earning assets | $158,643,670 | 3,260 |
| Average equity | $34,589,670 | 2,100 |
| Average total loans | $124,586,000 | 3,031 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6704% | 4,205 |
| Cost of funding earning assets | 0.3100% | 3,938 |
| Net interest margin | 3.3604% | 3,796 |
| Noninterest income to average assets | 0.5068% | 2,931 |
| Noninterest expense to average assets | 1.6845% | 5,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2705% | 1,321 |
| Return on assets (ROA) | 1.2705% | 1,353 |
| Pretax return on assets | 2.0200% | 487 |
| Return on Equity (ROE) | 6.2258% | 3,796 |
| Retained earnings to average equity (ytd only) | 6.2258% | 2,221 |
| Net charge-offs to loans | -0.0097% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4721% | 5,551 |
| Assets per employee ($millions) | 5.5385% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 2,122 |
| Loan loss allowance to noncurrent loans | 267.5385% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.9329% | 1,975 |
| Noncurrent loans to loans | 0.5189% | 3,261 |
| Net loans and leases to total assets | 74.3407% | 1,683 |
| Net loans and leases to deposits | 95.0125% | 1,014 |
| Net loans and leases to core deposits | 100.2215% | 1,492 |
| Total domestic deposits to total assets | 78.2431% | 4,937 |
| Equity capital to assets | 20.8096% | 180 |
| Core capital (leverage) ratio | 20.7316% | 180 |
| Tier 1 risk-based capital ratio | 27.3917% | 600 |
| Total risk-based capital ratio | 28.6426% | 586 |
| Memoranda: | ||
| Average total assets | $168,116,500 | 3,331 |
| Average earning assets | $159,981,500 | 3,269 |
| Average equity | $34,309,000 | 2,124 |
| Average total loans | $123,807,500 | 3,060 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6311% | 4,433 |
| Cost of funding earning assets | 0.3016% | 4,045 |
| Net interest margin | 3.3295% | 4,055 |
| Noninterest income to average assets | 0.6234% | 2,538 |
| Noninterest expense to average assets | 1.6722% | 5,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3106% | 1,190 |
| Return on assets (ROA) | 1.3106% | 1,252 |
| Pretax return on assets | 2.1265% | 375 |
| Return on Equity (ROE) | 6.7082% | 3,637 |
| Retained earnings to average equity (ytd only) | 6.7082% | 1,350 |
| Net charge-offs to loans | -0.0051% | 4,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0203% | 5,693 |
| Assets per employee ($millions) | 5.1539% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 2,003 |
| Loan loss allowance to noncurrent loans | 285.5263% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.9449% | 2,013 |
| Noncurrent loans to loans | 0.4969% | 3,381 |
| Net loans and leases to total assets | 70.9200% | 2,346 |
| Net loans and leases to deposits | 89.3045% | 1,760 |
| Net loans and leases to core deposits | 93.4546% | 2,165 |
| Total domestic deposits to total assets | 79.4137% | 4,695 |
| Equity capital to assets | 20.0154% | 207 |
| Core capital (leverage) ratio | 20.7763% | 173 |
| Tier 1 risk-based capital ratio | 26.9588% | 616 |
| Total risk-based capital ratio | 28.2101% | 609 |
| Memoranda: | ||
| Average total assets | $166,188,000 | 3,328 |
| Average earning assets | $158,494,000 | 3,263 |
| Average equity | $32,467,600 | 2,205 |
| Average total loans | $118,439,200 | 3,090 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5699% | 4,635 |
| Cost of funding earning assets | 0.2996% | 4,103 |
| Net interest margin | 3.2703% | 4,279 |
| Noninterest income to average assets | 0.6161% | 2,585 |
| Noninterest expense to average assets | 1.7215% | 5,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2516% | 1,451 |
| Return on assets (ROA) | 1.2516% | 1,556 |
| Pretax return on assets | 2.0235% | 543 |
| Return on Equity (ROE) | 6.4433% | 3,864 |
| Retained earnings to average equity (ytd only) | 6.4433% | 1,940 |
| Net charge-offs to loans | -0.0057% | 4,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9681% | 5,671 |
| Assets per employee ($millions) | 5.6000% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 2,299 |
| Loan loss allowance to noncurrent loans | 209.2883% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 1.1083% | 1,831 |
| Noncurrent loans to loans | 0.6586% | 3,053 |
| Net loans and leases to total assets | 73.8975% | 1,882 |
| Net loans and leases to deposits | 94.5061% | 1,207 |
| Net loans and leases to core deposits | 99.0190% | 1,723 |
| Total domestic deposits to total assets | 78.1933% | 4,880 |
| Equity capital to assets | 19.8894% | 229 |
| Core capital (leverage) ratio | 20.3643% | 190 |
| Tier 1 risk-based capital ratio | 27.0815% | 633 |
| Total risk-based capital ratio | 28.3329% | 619 |
| Memoranda: | ||
| Average total assets | $165,121,250 | 3,358 |
| Average earning assets | $157,984,750 | 3,282 |
| Average equity | $32,074,000 | 2,241 |
| Average total loans | $117,460,000 | 3,111 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5469% | 4,755 |
| Cost of funding earning assets | 0.3012% | 4,113 |
| Net interest margin | 3.2457% | 4,393 |
| Noninterest income to average assets | 0.5470% | 2,916 |
| Noninterest expense to average assets | 1.7434% | 5,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2098% | 1,564 |
| Return on assets (ROA) | 1.2098% | 1,664 |
| Pretax return on assets | 1.9018% | 694 |
| Return on Equity (ROE) | 6.2794% | 3,915 |
| Retained earnings to average equity (ytd only) | 6.2794% | 1,967 |
| Net charge-offs to loans | -0.0052% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8275% | 5,673 |
| Assets per employee ($millions) | 5.2423% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4629% | 2,012 |
| Loan loss allowance to noncurrent loans | 163.7996% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.3507% | 1,479 |
| Noncurrent loans to loans | 0.8931% | 2,495 |
| Net loans and leases to total assets | 71.8300% | 2,199 |
| Net loans and leases to deposits | 90.1760% | 1,734 |
| Net loans and leases to core deposits | 94.5405% | 2,108 |
| Total domestic deposits to total assets | 79.6554% | 4,636 |
| Equity capital to assets | 19.7772% | 228 |
| Core capital (leverage) ratio | 19.8410% | 201 |
| Tier 1 risk-based capital ratio | 27.9975% | 594 |
| Total risk-based capital ratio | 29.2501% | 579 |
| Memoranda: | ||
| Average total assets | $164,162,000 | 3,386 |
| Average earning assets | $156,701,330 | 3,317 |
| Average equity | $31,627,330 | 2,264 |
| Average total loans | $114,652,670 | 3,165 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5139% | 4,856 |
| Cost of funding earning assets | 0.3005% | 4,158 |
| Net interest margin | 3.2135% | 4,539 |
| Noninterest income to average assets | 0.4922% | 3,177 |
| Noninterest expense to average assets | 1.8498% | 5,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0861% | 1,960 |
| Return on assets (ROA) | 1.0861% | 2,058 |
| Pretax return on assets | 1.7019% | 1,062 |
| Return on Equity (ROE) | 5.7123% | 4,130 |
| Retained earnings to average equity (ytd only) | 5.7123% | 2,524 |
| Net charge-offs to loans | -0.0071% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0819% | 5,514 |
| Assets per employee ($millions) | 5.0841% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 2,006 |
| Loan loss allowance to noncurrent loans | 156.4589% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 1.5065% | 1,353 |
| Noncurrent loans to loans | 0.9560% | 2,466 |
| Net loans and leases to total assets | 70.1082% | 2,323 |
| Net loans and leases to deposits | 90.0961% | 1,568 |
| Net loans and leases to core deposits | 94.3588% | 1,956 |
| Total domestic deposits to total assets | 77.8149% | 5,176 |
| Equity capital to assets | 19.4204% | 239 |
| Core capital (leverage) ratio | 19.2449% | 224 |
| Tier 1 risk-based capital ratio | 24.9710% | 816 |
| Total risk-based capital ratio | 26.2221% | 802 |
| Memoranda: | ||
| Average total assets | $164,988,000 | 3,385 |
| Average earning assets | $157,088,500 | 3,330 |
| Average equity | $31,371,000 | 2,283 |
| Average total loans | $112,747,000 | 3,201 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4298% | 5,098 |
| Cost of funding earning assets | 0.3020% | 4,225 |
| Net interest margin | 3.1278% | 4,840 |
| Noninterest income to average assets | 0.8011% | 1,788 |
| Noninterest expense to average assets | 1.8561% | 5,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2305% | 1,449 |
| Return on assets (ROA) | 1.2305% | 1,509 |
| Pretax return on assets | 1.9233% | 635 |
| Return on Equity (ROE) | 6.5636% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.5636% | 1,502 |
| Net charge-offs to loans | 0.0408% | 3,404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 71.8605% | 750 |
| Efficiency ratio | 49.1107% | 5,797 |
| Assets per employee ($millions) | 5.2277% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 1,692 |
| Loan loss allowance to noncurrent loans | 152.0211% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 1.4777% | 1,380 |
| Noncurrent loans to loans | 1.0373% | 2,261 |
| Net loans and leases to total assets | 64.5440% | 3,193 |
| Net loans and leases to deposits | 79.8381% | 2,837 |
| Net loans and leases to core deposits | 83.5194% | 3,004 |
| Total domestic deposits to total assets | 80.8436% | 4,531 |
| Equity capital to assets | 18.6190% | 265 |
| Core capital (leverage) ratio | 19.2080% | 228 |
| Tier 1 risk-based capital ratio | 28.5279% | 578 |
| Total risk-based capital ratio | 29.7817% | 565 |
| Memoranda: | ||
| Average total assets | $160,662,600 | 3,421 |
| Average earning assets | $152,980,600 | 3,358 |
| Average equity | $30,120,600 | 2,312 |
| Average total loans | $105,423,600 | 3,295 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4237% | 5,153 |
| Cost of funding earning assets | 0.3057% | 4,269 |
| Net interest margin | 3.1180% | 4,917 |
| Noninterest income to average assets | 0.5216% | 3,218 |
| Noninterest expense to average assets | 1.6628% | 5,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1957% | 1,664 |
| Return on assets (ROA) | 1.1957% | 1,728 |
| Pretax return on assets | 1.8355% | 830 |
| Return on Equity (ROE) | 6.3665% | 3,976 |
| Retained earnings to average equity (ytd only) | 6.3665% | 2,034 |
| Net charge-offs to loans | 0.0575% | 2,779 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 48.6432% | 1,077 |
| Efficiency ratio | 47.5312% | 5,893 |
| Assets per employee ($millions) | 5.3492% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5637% | 1,917 |
| Loan loss allowance to noncurrent loans | 175.7884% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 1.5136% | 1,485 |
| Noncurrent loans to loans | 0.8895% | 2,753 |
| Net loans and leases to total assets | 67.7865% | 2,711 |
| Net loans and leases to deposits | 84.3218% | 2,370 |
| Net loans and leases to core deposits | 88.2211% | 2,641 |
| Total domestic deposits to total assets | 80.3902% | 4,638 |
| Equity capital to assets | 19.0658% | 278 |
| Core capital (leverage) ratio | 19.2706% | 230 |
| Tier 1 risk-based capital ratio | 27.8962% | 629 |
| Total risk-based capital ratio | 29.1499% | 614 |
| Memoranda: | ||
| Average total assets | $159,006,750 | 3,474 |
| Average earning assets | $151,800,750 | 3,400 |
| Average equity | $29,864,000 | 2,334 |
| Average total loans | $104,353,750 | 3,337 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3466% | 5,351 |
| Cost of funding earning assets | 0.3086% | 4,301 |
| Net interest margin | 3.0381% | 5,127 |
| Noninterest income to average assets | 0.4908% | 3,443 |
| Noninterest expense to average assets | 1.6591% | 6,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1090% | 1,912 |
| Return on assets (ROA) | 1.1090% | 2,000 |
| Pretax return on assets | 1.7386% | 999 |
| Return on Equity (ROE) | 5.9352% | 4,160 |
| Retained earnings to average equity (ytd only) | 5.9352% | 2,282 |
| Net charge-offs to loans | -0.0098% | 4,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8303% | 5,913 |
| Assets per employee ($millions) | 4.8594% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7027% | 1,595 |
| Loan loss allowance to noncurrent loans | 173.4634% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 1.5891% | 1,521 |
| Noncurrent loans to loans | 0.9816% | 2,678 |
| Net loans and leases to total assets | 66.0105% | 2,945 |
| Net loans and leases to deposits | 82.3825% | 2,514 |
| Net loans and leases to core deposits | 86.7105% | 2,685 |
| Total domestic deposits to total assets | 80.1268% | 4,834 |
| Equity capital to assets | 19.3240% | 252 |
| Core capital (leverage) ratio | 19.2076% | 232 |
| Tier 1 risk-based capital ratio | 26.8852% | 715 |
| Total risk-based capital ratio | 28.1395% | 702 |
| Memoranda: | ||
| Average total assets | $158,517,000 | 3,509 |
| Average earning assets | $151,675,670 | 3,424 |
| Average equity | $29,620,000 | 2,364 |
| Average total loans | $102,302,000 | 3,396 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2584% | 5,536 |
| Cost of funding earning assets | 0.3107% | 4,321 |
| Net interest margin | 2.9477% | 5,350 |
| Noninterest income to average assets | 0.6024% | 2,636 |
| Noninterest expense to average assets | 1.6497% | 6,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1773% | 1,612 |
| Return on assets (ROA) | 1.1773% | 1,717 |
| Pretax return on assets | 1.7747% | 908 |
| Return on Equity (ROE) | 6.4070% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.4070% | 2,281 |
| Net charge-offs to loans | -0.0079% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1752% | 6,013 |
| Assets per employee ($millions) | 5.0899% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7229% | 1,680 |
| Loan loss allowance to noncurrent loans | 141.0970% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 1.5305% | 1,697 |
| Noncurrent loans to loans | 1.2211% | 2,332 |
| Net loans and leases to total assets | 64.1671% | 3,068 |
| Net loans and leases to deposits | 79.6532% | 2,600 |
| Net loans and leases to core deposits | 83.5717% | 2,818 |
| Total domestic deposits to total assets | 80.5581% | 4,925 |
| Equity capital to assets | 18.7853% | 273 |
| Core capital (leverage) ratio | 18.4394% | 266 |
| Tier 1 risk-based capital ratio | 26.7311% | 735 |
| Total risk-based capital ratio | 27.9855% | 719 |
| Memoranda: | ||
| Average total assets | $160,025,000 | 3,504 |
| Average earning assets | $153,206,000 | 3,415 |
| Average equity | $29,405,500 | 2,399 |
| Average total loans | $101,240,500 | 3,428 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4220% | 5,487 |
| Cost of funding earning assets | 0.3458% | 4,294 |
| Net interest margin | 3.0763% | 5,263 |
| Noninterest income to average assets | 0.4692% | 3,716 |
| Noninterest expense to average assets | 1.6773% | 6,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1002% | 1,975 |
| Return on assets (ROA) | 1.1002% | 2,029 |
| Pretax return on assets | 1.7219% | 937 |
| Return on Equity (ROE) | 6.2005% | 4,054 |
| Retained earnings to average equity (ytd only) | 6.2005% | 1,810 |
| Net charge-offs to loans | 0.0031% | 4,903 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 915.0000% | 47 |
| Efficiency ratio | 49.3449% | 6,122 |
| Assets per employee ($millions) | 5.0707% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 1,570 |
| Loan loss allowance to noncurrent loans | 151.0221% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 1.4396% | 1,913 |
| Noncurrent loans to loans | 1.1804% | 2,475 |
| Net loans and leases to total assets | 60.2020% | 3,762 |
| Net loans and leases to deposits | 73.9399% | 3,446 |
| Net loans and leases to core deposits | 77.5826% | 3,556 |
| Total domestic deposits to total assets | 81.4202% | 4,622 |
| Equity capital to assets | 17.9771% | 316 |
| Core capital (leverage) ratio | 18.5702% | 266 |
| Tier 1 risk-based capital ratio | 27.2146% | 668 |
| Total risk-based capital ratio | 28.4098% | 648 |
| Memoranda: | ||
| Average total assets | $159,420,000 | 3,498 |
| Average earning assets | $151,840,000 | 3,413 |
| Average equity | $28,288,000 | 2,386 |
| Average total loans | $97,823,600 | 3,470 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4389% | 5,523 |
| Cost of funding earning assets | 0.3539% | 4,303 |
| Net interest margin | 3.0849% | 5,298 |
| Noninterest income to average assets | 0.4553% | 3,856 |
| Noninterest expense to average assets | 1.6903% | 6,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0904% | 2,069 |
| Return on assets (ROA) | 1.0904% | 2,140 |
| Pretax return on assets | 1.7012% | 1,066 |
| Return on Equity (ROE) | 6.1659% | 4,148 |
| Retained earnings to average equity (ytd only) | 6.1659% | 2,298 |
| Net charge-offs to loans | 0.0082% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 337.4913% | 210 |
| Efficiency ratio | 49.8390% | 6,106 |
| Assets per employee ($millions) | 5.0940% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7897% | 1,716 |
| Loan loss allowance to noncurrent loans | 128.6337% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.6357% | 1,850 |
| Noncurrent loans to loans | 1.3913% | 2,327 |
| Net loans and leases to total assets | 61.5094% | 3,560 |
| Net loans and leases to deposits | 75.7241% | 3,210 |
| Net loans and leases to core deposits | 79.7425% | 3,341 |
| Total domestic deposits to total assets | 81.2284% | 4,760 |
| Equity capital to assets | 18.1833% | 324 |
| Core capital (leverage) ratio | 18.2458% | 289 |
| Tier 1 risk-based capital ratio | 27.0851% | 705 |
| Total risk-based capital ratio | 28.2765% | 692 |
| Memoranda: | ||
| Average total assets | $158,709,500 | 3,533 |
| Average earning assets | $151,053,750 | 3,447 |
| Average equity | $28,067,500 | 2,414 |
| Average total loans | $97,415,000 | 3,502 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4281% | 5,562 |
| Cost of funding earning assets | 0.3592% | 4,330 |
| Net interest margin | 3.0688% | 5,351 |
| Noninterest income to average assets | 0.4516% | 3,861 |
| Noninterest expense to average assets | 1.6770% | 6,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0832% | 1,996 |
| Return on assets (ROA) | 1.0832% | 2,061 |
| Pretax return on assets | 1.6871% | 1,049 |
| Return on Equity (ROE) | 6.1827% | 4,061 |
| Retained earnings to average equity (ytd only) | 6.1827% | 2,224 |
| Net charge-offs to loans | 0.0165% | 3,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 167.6250% | 374 |
| Efficiency ratio | 49.8504% | 6,179 |
| Assets per employee ($millions) | 4.8465% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8165% | 1,804 |
| Loan loss allowance to noncurrent loans | 100.7407% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.8828% | 1,724 |
| Noncurrent loans to loans | 1.8031% | 1,897 |
| Net loans and leases to total assets | 61.6196% | 3,465 |
| Net loans and leases to deposits | 75.7549% | 3,090 |
| Net loans and leases to core deposits | 79.8403% | 3,232 |
| Total domestic deposits to total assets | 81.3408% | 4,862 |
| Equity capital to assets | 18.2330% | 316 |
| Core capital (leverage) ratio | 18.1002% | 293 |
| Tier 1 risk-based capital ratio | 27.0956% | 697 |
| Total risk-based capital ratio | 28.2848% | 686 |
| Memoranda: | ||
| Average total assets | $158,974,670 | 3,551 |
| Average earning assets | $150,871,000 | 3,470 |
| Average equity | $27,852,000 | 2,418 |
| Average total loans | $96,919,330 | 3,518 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3931% | 5,663 |
| Cost of funding earning assets | 0.3645% | 4,386 |
| Net interest margin | 3.0286% | 5,450 |
| Noninterest income to average assets | 0.4325% | 3,933 |
| Noninterest expense to average assets | 1.7152% | 6,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1111% | 1,775 |
| Return on assets (ROA) | 1.1111% | 1,828 |
| Pretax return on assets | 1.5884% | 1,198 |
| Return on Equity (ROE) | 6.4690% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.4690% | 2,306 |
| Net charge-offs to loans | 0.3929% | 928 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.7263% | 2,197 |
| Efficiency ratio | 51.9187% | 6,142 |
| Assets per employee ($millions) | 5.1489% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7304% | 2,246 |
| Loan loss allowance to noncurrent loans | 123.4214% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 1.7705% | 1,987 |
| Noncurrent loans to loans | 1.4020% | 2,683 |
| Net loans and leases to total assets | 59.8085% | 3,594 |
| Net loans and leases to deposits | 72.7888% | 3,236 |
| Net loans and leases to core deposits | 76.0936% | 3,399 |
| Total domestic deposits to total assets | 82.1672% | 4,896 |
| Equity capital to assets | 17.4563% | 354 |
| Core capital (leverage) ratio | 17.2414% | 345 |
| Tier 1 risk-based capital ratio | 26.4330% | 753 |
| Total risk-based capital ratio | 27.6217% | 743 |
| Memoranda: | ||
| Average total assets | $160,918,500 | 3,549 |
| Average earning assets | $152,544,000 | 3,467 |
| Average equity | $27,639,500 | 2,428 |
| Average total loans | $96,713,000 | 3,540 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5623% | 5,503 |
| Cost of funding earning assets | 0.4284% | 4,332 |
| Net interest margin | 3.1340% | 5,215 |
| Noninterest income to average assets | 0.5428% | 3,453 |
| Noninterest expense to average assets | 2.0150% | 6,003 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1925% | 1,597 |
| Return on assets (ROA) | 1.1925% | 1,665 |
| Pretax return on assets | 1.4870% | 1,487 |
| Return on Equity (ROE) | 7.3146% | 3,400 |
| Retained earnings to average equity (ytd only) | 7.3146% | 1,310 |
| Net charge-offs to loans | 0.6669% | 972 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.5626% | 3,823 |
| Efficiency ratio | 57.5391% | 5,786 |
| Assets per employee ($millions) | 5.2329% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8446% | 1,936 |
| Loan loss allowance to noncurrent loans | 285.5305% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 1.4301% | 2,598 |
| Noncurrent loans to loans | 0.6460% | 4,363 |
| Net loans and leases to total assets | 58.2569% | 3,993 |
| Net loans and leases to deposits | 70.4158% | 3,728 |
| Net loans and leases to core deposits | 73.8609% | 3,852 |
| Total domestic deposits to total assets | 82.7328% | 4,633 |
| Equity capital to assets | 16.9004% | 403 |
| Core capital (leverage) ratio | 17.3335% | 342 |
| Tier 1 risk-based capital ratio | 26.0482% | 771 |
| Total risk-based capital ratio | 27.2368% | 754 |
| Memoranda: | ||
| Average total assets | $162,681,000 | 3,520 |
| Average earning assets | $153,607,200 | 3,445 |
| Average equity | $26,522,200 | 2,500 |
| Average total loans | $101,821,800 | 3,404 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6038% | 5,430 |
| Cost of funding earning assets | 0.4440% | 4,340 |
| Net interest margin | 3.1598% | 5,115 |
| Noninterest income to average assets | 0.5594% | 3,394 |
| Noninterest expense to average assets | 1.7150% | 6,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3170% | 1,305 |
| Return on assets (ROA) | 1.3170% | 1,363 |
| Pretax return on assets | 1.8288% | 842 |
| Return on Equity (ROE) | 8.1523% | 3,049 |
| Retained earnings to average equity (ytd only) | 8.1523% | 1,353 |
| Net charge-offs to loans | 0.6188% | 1,002 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.6618% | 3,384 |
| Efficiency ratio | 48.3938% | 6,485 |
| Assets per employee ($millions) | 4.9713% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0300% | 1,652 |
| Loan loss allowance to noncurrent loans | 249.1803% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 1.8814% | 2,158 |
| Noncurrent loans to loans | 0.8147% | 4,203 |
| Net loans and leases to total assets | 59.9468% | 3,699 |
| Net loans and leases to deposits | 72.6290% | 3,440 |
| Net loans and leases to core deposits | 76.2583% | 3,590 |
| Total domestic deposits to total assets | 82.5385% | 4,742 |
| Equity capital to assets | 17.0253% | 419 |
| Core capital (leverage) ratio | 16.9082% | 394 |
| Tier 1 risk-based capital ratio | 25.5599% | 823 |
| Total risk-based capital ratio | 26.7452% | 818 |
| Memoranda: | ||
| Average total assets | $162,796,000 | 3,558 |
| Average earning assets | $153,760,500 | 3,471 |
| Average equity | $26,298,750 | 2,550 |
| Average total loans | $103,207,000 | 3,403 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6037% | 5,420 |
| Cost of funding earning assets | 0.4605% | 4,302 |
| Net interest margin | 3.1432% | 5,148 |
| Noninterest income to average assets | 0.5987% | 3,200 |
| Noninterest expense to average assets | 1.7704% | 6,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3668% | 1,149 |
| Return on assets (ROA) | 1.3668% | 1,231 |
| Pretax return on assets | 1.7911% | 948 |
| Return on Equity (ROE) | 8.6108% | 2,791 |
| Retained earnings to average equity (ytd only) | 8.6108% | 1,254 |
| Net charge-offs to loans | 0.9205% | 675 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.0351% | 3,521 |
| Efficiency ratio | 49.7090% | 6,452 |
| Assets per employee ($millions) | 4.6938% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9408% | 1,992 |
| Loan loss allowance to noncurrent loans | 174.2706% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 2.4482% | 1,735 |
| Noncurrent loans to loans | 1.1136% | 3,701 |
| Net loans and leases to total assets | 62.4026% | 3,218 |
| Net loans and leases to deposits | 75.2844% | 2,976 |
| Net loans and leases to core deposits | 79.0097% | 3,165 |
| Total domestic deposits to total assets | 82.8891% | 4,743 |
| Equity capital to assets | 16.6660% | 450 |
| Core capital (leverage) ratio | 16.6598% | 404 |
| Tier 1 risk-based capital ratio | 24.2269% | 974 |
| Total risk-based capital ratio | 25.4083% | 960 |
| Memoranda: | ||
| Average total assets | $164,034,330 | 3,559 |
| Average earning assets | $154,617,330 | 3,484 |
| Average equity | $26,037,000 | 2,581 |
| Average total loans | $105,162,670 | 3,380 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6752% | 5,240 |
| Cost of funding earning assets | 0.4892% | 4,186 |
| Net interest margin | 3.1861% | 4,968 |
| Noninterest income to average assets | 0.5870% | 3,207 |
| Noninterest expense to average assets | 1.8044% | 6,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3521% | 1,149 |
| Return on assets (ROA) | 1.3521% | 1,241 |
| Pretax return on assets | 1.7756% | 926 |
| Return on Equity (ROE) | 8.7277% | 2,611 |
| Retained earnings to average equity (ytd only) | 8.7277% | 1,476 |
| Net charge-offs to loans | 1.8361% | 262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.5031% | 3,327 |
| Efficiency ratio | 50.4032% | 6,479 |
| Assets per employee ($millions) | 4.9372% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8957% | 2,314 |
| Loan loss allowance to noncurrent loans | 175.6708% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 2.5159% | 1,827 |
| Noncurrent loans to loans | 1.0791% | 3,990 |
| Net loans and leases to total assets | 62.3823% | 2,986 |
| Net loans and leases to deposits | 74.6979% | 2,820 |
| Net loans and leases to core deposits | 78.5551% | 2,983 |
| Total domestic deposits to total assets | 83.5128% | 4,663 |
| Equity capital to assets | 15.9815% | 566 |
| Core capital (leverage) ratio | 15.5955% | 505 |
| Tier 1 risk-based capital ratio | 23.1708% | 1,129 |
| Total risk-based capital ratio | 24.2770% | 1,132 |
| Memoranda: | ||
| Average total assets | $166,257,500 | 3,558 |
| Average earning assets | $156,180,500 | 3,498 |
| Average equity | $25,757,000 | 2,634 |
| Average total loans | $106,965,000 | 3,359 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2860% | 4,250 |
| Cost of funding earning assets | 0.6998% | 3,494 |
| Net interest margin | 3.5862% | 4,148 |
| Noninterest income to average assets | 0.9338% | 1,763 |
| Noninterest expense to average assets | 1.7715% | 6,657 |
| Loan and lease loss provision to assets | 0.0979% | 4,423 |
| Net operating income to assets | 1.5298% | 861 |
| Return on assets (ROA) | 1.5298% | 952 |
| Pretax return on assets | 2.4697% | 265 |
| Return on Equity (ROE) | 9.5791% | 2,368 |
| Retained earnings to average equity (ytd only) | 0.5977% | 5,552 |
| Net charge-offs to loans | 0.1268% | 4,415 |
| Credit loss provision to net charge-offs | 107.3826% | 2,753 |
| Earnings coverage of net charge-offs (x) | 28.1611% | 1,049 |
| Efficiency ratio | 40.8264% | 6,913 |
| Assets per employee ($millions) | 5.1391% | 2,054 |
| Cash dividends to net income (ytd only)* | 93.7600% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2252% | 1,513 |
| Loan loss allowance to noncurrent loans | 97.2277% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 2.2855% | 2,148 |
| Noncurrent loans to loans | 2.2886% | 2,365 |
| Net loans and leases to total assets | 63.6091% | 2,967 |
| Net loans and leases to deposits | 75.4026% | 2,894 |
| Net loans and leases to core deposits | 79.2341% | 3,118 |
| Total domestic deposits to total assets | 84.3592% | 4,149 |
| Equity capital to assets | 15.0222% | 728 |
| Core capital (leverage) ratio | 14.9869% | 571 |
| Tier 1 risk-based capital ratio | 19.7880% | 1,732 |
| Total risk-based capital ratio | 20.9810% | 1,711 |
| Memoranda: | ||
| Average total assets | $163,419,000 | 3,559 |
| Average earning assets | $155,180,200 | 3,464 |
| Average equity | $26,098,400 | 2,557 |
| Average total loans | $117,482,200 | 3,136 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3769% | 4,145 |
| Cost of funding earning assets | 0.7452% | 3,387 |
| Net interest margin | 3.6317% | 4,090 |
| Noninterest income to average assets | 0.8887% | 1,872 |
| Noninterest expense to average assets | 1.7165% | 6,774 |
| Loan and lease loss provision to assets | 0.0865% | 4,524 |
| Net operating income to assets | 1.5765% | 901 |
| Return on assets (ROA) | 1.5765% | 998 |
| Pretax return on assets | 2.5459% | 271 |
| Return on Equity (ROE) | 9.7202% | 2,488 |
| Retained earnings to average equity (ytd only) | 9.7202% | 995 |
| Net charge-offs to loans | 0.1107% | 4,285 |
| Credit loss provision to net charge-offs | 106.0606% | 2,769 |
| Earnings coverage of net charge-offs (x) | 32.2820% | 1,039 |
| Efficiency ratio | 39.4697% | 7,025 |
| Assets per employee ($millions) | 4.9435% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1102% | 1,880 |
| Loan loss allowance to noncurrent loans | 73.3094% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 2.8565% | 1,838 |
| Noncurrent loans to loans | 2.8785% | 1,951 |
| Net loans and leases to total assets | 69.6687% | 1,978 |
| Net loans and leases to deposits | 84.2624% | 1,838 |
| Net loans and leases to core deposits | 88.6315% | 2,147 |
| Total domestic deposits to total assets | 82.6806% | 4,763 |
| Equity capital to assets | 16.6941% | 501 |
| Core capital (leverage) ratio | 16.7842% | 395 |
| Tier 1 risk-based capital ratio | 22.5524% | 1,243 |
| Total risk-based capital ratio | 23.7365% | 1,227 |
| Memoranda: | ||
| Average total assets | $161,876,500 | 3,618 |
| Average earning assets | $154,230,750 | 3,516 |
| Average equity | $26,254,000 | 2,562 |
| Average total loans | $119,270,500 | 3,128 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 4,085 |
| Cost of funding earning assets | 0.7882% | 3,293 |
| Net interest margin | 3.6372% | 4,094 |
| Noninterest income to average assets | 0.7965% | 2,199 |
| Noninterest expense to average assets | 1.7503% | 6,802 |
| Loan and lease loss provision to assets | 0.0582% | 4,927 |
| Net operating income to assets | 1.5150% | 967 |
| Return on assets (ROA) | 1.5150% | 1,087 |
| Pretax return on assets | 2.4465% | 321 |
| Return on Equity (ROE) | 9.4341% | 2,601 |
| Retained earnings to average equity (ytd only) | 9.4341% | 1,133 |
| Net charge-offs to loans | 0.0715% | 4,432 |
| Credit loss provision to net charge-offs | 109.3023% | 2,490 |
| Earnings coverage of net charge-offs (x) | 47.0233% | 770 |
| Efficiency ratio | 41.1354% | 7,042 |
| Assets per employee ($millions) | 4.8876% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0546% | 2,101 |
| Loan loss allowance to noncurrent loans | 66.6848% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 3.0932% | 1,771 |
| Noncurrent loans to loans | 3.0810% | 1,910 |
| Net loans and leases to total assets | 72.3537% | 1,503 |
| Net loans and leases to deposits | 87.2249% | 1,448 |
| Net loans and leases to core deposits | 91.6300% | 1,810 |
| Total domestic deposits to total assets | 82.9507% | 4,774 |
| Equity capital to assets | 16.4566% | 510 |
| Core capital (leverage) ratio | 16.5275% | 410 |
| Tier 1 risk-based capital ratio | 21.5885% | 1,374 |
| Total risk-based capital ratio | 22.7556% | 1,359 |
| Memoranda: | ||
| Average total assets | $161,457,000 | 3,636 |
| Average earning assets | $153,524,000 | 3,545 |
| Average equity | $25,927,330 | 2,579 |
| Average total loans | $120,326,000 | 3,127 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 3,977 |
| Cost of funding earning assets | 0.8326% | 3,205 |
| Net interest margin | 3.6541% | 4,035 |
| Noninterest income to average assets | 0.7825% | 2,249 |
| Noninterest expense to average assets | 1.7506% | 6,855 |
| Loan and lease loss provision to assets | 0.0966% | 4,142 |
| Net operating income to assets | 1.4832% | 1,051 |
| Return on assets (ROA) | 1.4832% | 1,175 |
| Pretax return on assets | 2.4019% | 389 |
| Return on Equity (ROE) | 9.3523% | 2,658 |
| Retained earnings to average equity (ytd only) | 9.3523% | 1,458 |
| Net charge-offs to loans | 0.1191% | 3,399 |
| Credit loss provision to net charge-offs | 108.3333% | 2,159 |
| Earnings coverage of net charge-offs (x) | 28.0278% | 978 |
| Efficiency ratio | 41.2005% | 7,074 |
| Assets per employee ($millions) | 4.8942% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0222% | 2,293 |
| Loan loss allowance to noncurrent loans | 68.1236% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 3.0568% | 1,907 |
| Noncurrent loans to loans | 2.9685% | 2,177 |
| Net loans and leases to total assets | 73.4063% | 1,150 |
| Net loans and leases to deposits | 88.0162% | 1,159 |
| Net loans and leases to core deposits | 92.4832% | 1,601 |
| Total domestic deposits to total assets | 83.4008% | 4,759 |
| Equity capital to assets | 16.0481% | 570 |
| Core capital (leverage) ratio | 15.9734% | 466 |
| Tier 1 risk-based capital ratio | 20.7829% | 1,529 |
| Total risk-based capital ratio | 21.9608% | 1,514 |
| Memoranda: | ||
| Average total assets | $161,540,000 | 3,654 |
| Average earning assets | $153,251,500 | 3,559 |
| Average equity | $25,619,500 | 2,610 |
| Average total loans | $120,915,000 | 3,135 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7725% | 3,934 |
| Cost of funding earning assets | 1.0267% | 3,181 |
| Net interest margin | 3.7459% | 4,099 |
| Noninterest income to average assets | 0.6434% | 2,928 |
| Noninterest expense to average assets | 1.8930% | 6,841 |
| Loan and lease loss provision to assets | 0.9620% | 1,000 |
| Net operating income to assets | 0.6174% | 3,904 |
| Return on assets (ROA) | 0.6174% | 4,099 |
| Pretax return on assets | 1.3523% | 1,945 |
| Return on Equity (ROE) | 3.8533% | 4,924 |
| Retained earnings to average equity (ytd only) | -1.8031% | 6,134 |
| Net charge-offs to loans | 0.4033% | 3,401 |
| Credit loss provision to net charge-offs | 299.6146% | 786 |
| Earnings coverage of net charge-offs (x) | 7.2081% | 2,376 |
| Efficiency ratio | 44.9934% | 7,091 |
| Assets per employee ($millions) | 4.8961% | 2,325 |
| Cash dividends to net income (ytd only)* | 146.7936% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0227% | 2,201 |
| Loan loss allowance to noncurrent loans | 59.3204% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 3.5910% | 1,640 |
| Noncurrent loans to loans | 3.4099% | 1,894 |
| Net loans and leases to total assets | 73.2689% | 1,393 |
| Net loans and leases to deposits | 87.4675% | 1,455 |
| Net loans and leases to core deposits | 91.8715% | 1,898 |
| Total domestic deposits to total assets | 83.7670% | 4,427 |
| Equity capital to assets | 15.6710% | 638 |
| Core capital (leverage) ratio | 16.1313% | 446 |
| Tier 1 risk-based capital ratio | 20.3096% | 1,563 |
| Total risk-based capital ratio | 21.4807% | 1,562 |
| Memoranda: | ||
| Average total assets | $161,646,800 | 3,610 |
| Average earning assets | $153,796,200 | 3,516 |
| Average equity | $25,899,600 | 2,490 |
| Average total loans | $128,697,600 | 3,002 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8237% | 3,924 |
| Cost of funding earning assets | 1.0747% | 3,147 |
| Net interest margin | 3.7490% | 4,113 |
| Noninterest income to average assets | 0.6012% | 3,154 |
| Noninterest expense to average assets | 1.8713% | 6,889 |
| Loan and lease loss provision to assets | 1.2140% | 642 |
| Net operating income to assets | 0.3926% | 5,032 |
| Return on assets (ROA) | 0.3926% | 5,217 |
| Pretax return on assets | 1.0919% | 3,050 |
| Return on Equity (ROE) | 2.4368% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.4368% | 4,904 |
| Net charge-offs to loans | 0.4673% | 2,866 |
| Credit loss provision to net charge-offs | 321.3974% | 878 |
| Earnings coverage of net charge-offs (x) | 6.1048% | 2,619 |
| Efficiency ratio | 44.7976% | 7,115 |
| Assets per employee ($millions) | 4.6792% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9459% | 2,487 |
| Loan loss allowance to noncurrent loans | 49.6922% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 4.0731% | 1,502 |
| Noncurrent loans to loans | 3.9160% | 1,699 |
| Net loans and leases to total assets | 76.7122% | 878 |
| Net loans and leases to deposits | 92.5101% | 967 |
| Net loans and leases to core deposits | 97.4956% | 1,469 |
| Total domestic deposits to total assets | 82.9231% | 4,716 |
| Equity capital to assets | 16.5081% | 539 |
| Core capital (leverage) ratio | 16.4412% | 451 |
| Tier 1 risk-based capital ratio | 20.5604% | 1,543 |
| Total risk-based capital ratio | 21.7229% | 1,542 |
| Memoranda: | ||
| Average total assets | $161,665,500 | 3,642 |
| Average earning assets | $154,207,750 | 3,525 |
| Average equity | $26,044,500 | 2,475 |
| Average total loans | $130,665,500 | 2,995 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9323% | 3,481 |
| Cost of funding earning assets | 1.1127% | 3,148 |
| Net interest margin | 3.8196% | 3,692 |
| Noninterest income to average assets | 0.5587% | 3,413 |
| Noninterest expense to average assets | 1.8779% | 6,976 |
| Loan and lease loss provision to assets | 1.5616% | 449 |
| Net operating income to assets | 0.0541% | 6,109 |
| Return on assets (ROA) | 0.0541% | 6,190 |
| Pretax return on assets | 0.7605% | 4,177 |
| Return on Equity (ROE) | 0.3388% | 6,236 |
| Retained earnings to average equity (ytd only) | 0.3388% | 5,710 |
| Net charge-offs to loans | 0.4204% | 2,879 |
| Credit loss provision to net charge-offs | 454.8387% | 672 |
| Earnings coverage of net charge-offs (x) | 6.7634% | 2,338 |
| Efficiency ratio | 44.7114% | 7,209 |
| Assets per employee ($millions) | 4.6948% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8585% | 2,803 |
| Loan loss allowance to noncurrent loans | 125.6155% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 2.3662% | 2,786 |
| Noncurrent loans to loans | 1.4795% | 4,205 |
| Net loans and leases to total assets | 79.3312% | 608 |
| Net loans and leases to deposits | 95.3798% | 772 |
| Net loans and leases to core deposits | 100.6742% | 1,284 |
| Total domestic deposits to total assets | 83.1740% | 4,689 |
| Equity capital to assets | 16.1826% | 590 |
| Core capital (leverage) ratio | 16.0224% | 504 |
| Tier 1 risk-based capital ratio | 19.6372% | 1,682 |
| Total risk-based capital ratio | 20.7943% | 1,679 |
| Memoranda: | ||
| Average total assets | $162,523,330 | 3,639 |
| Average earning assets | $154,936,670 | 3,548 |
| Average equity | $25,971,670 | 2,467 |
| Average total loans | $132,732,330 | 2,987 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9369% | 3,378 |
| Cost of funding earning assets | 1.1633% | 3,067 |
| Net interest margin | 3.7736% | 3,743 |
| Noninterest income to average assets | 0.4098% | 4,628 |
| Noninterest expense to average assets | 1.8271% | 7,106 |
| Loan and lease loss provision to assets | 0.1098% | 4,644 |
| Net operating income to assets | 1.2441% | 1,401 |
| Return on assets (ROA) | 1.2441% | 1,453 |
| Pretax return on assets | 2.0735% | 492 |
| Return on Equity (ROE) | 7.8335% | 2,989 |
| Retained earnings to average equity (ytd only) | 7.8335% | 1,798 |
| Net charge-offs to loans | 0.0535% | 4,404 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 49.7222% | 581 |
| Efficiency ratio | 45.5596% | 7,221 |
| Assets per employee ($millions) | 4.7801% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 6,166 |
| Loan loss allowance to noncurrent loans | 37.8030% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 3.0063% | 2,297 |
| Noncurrent loans to loans | 2.8270% | 2,670 |
| Net loans and leases to total assets | 81.7356% | 365 |
| Net loans and leases to deposits | 98.4401% | 551 |
| Net loans and leases to core deposits | 103.5321% | 1,092 |
| Total domestic deposits to total assets | 83.0308% | 4,913 |
| Equity capital to assets | 16.1804% | 544 |
| Core capital (leverage) ratio | 15.9792% | 507 |
| Tier 1 risk-based capital ratio | 19.5671% | 1,680 |
| Total risk-based capital ratio | 20.6348% | 1,688 |
| Memoranda: | ||
| Average total assets | $163,974,000 | 3,643 |
| Average earning assets | $156,456,000 | 3,539 |
| Average equity | $26,042,000 | 2,449 |
| Average total loans | $134,584,500 | 2,990 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3347% | 2,960 |
| Cost of funding earning assets | 1.3659% | 3,480 |
| Net interest margin | 3.9688% | 3,160 |
| Noninterest income to average assets | 0.8088% | 2,237 |
| Noninterest expense to average assets | 1.9875% | 7,043 |
| Loan and lease loss provision to assets | 0.1353% | 5,817 |
| Net operating income to assets | 1.4610% | 839 |
| Return on assets (ROA) | 1.4610% | 898 |
| Pretax return on assets | 2.4534% | 197 |
| Return on Equity (ROE) | 9.2021% | 2,219 |
| Retained earnings to average equity (ytd only) | 9.2021% | 663 |
| Net charge-offs to loans | 0.0999% | 5,863 |
| Credit loss provision to net charge-offs | 156.7164% | 2,252 |
| Earnings coverage of net charge-offs (x) | 29.9776% | 738 |
| Efficiency ratio | 43.4305% | 7,431 |
| Assets per employee ($millions) | 5.1695% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 6,179 |
| Loan loss allowance to noncurrent loans | 36.3824% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 3.3145% | 2,133 |
| Noncurrent loans to loans | 2.8689% | 2,656 |
| Net loans and leases to total assets | 80.6932% | 575 |
| Net loans and leases to deposits | 96.5206% | 820 |
| Net loans and leases to core deposits | 101.6935% | 1,478 |
| Total domestic deposits to total assets | 83.6021% | 4,555 |
| Equity capital to assets | 15.5884% | 663 |
| Core capital (leverage) ratio | 16.1711% | 486 |
| Tier 1 risk-based capital ratio | 19.8800% | 1,507 |
| Total risk-based capital ratio | 20.9655% | 1,520 |
| Memoranda: | ||
| Average total assets | $155,169,400 | 3,791 |
| Average earning assets | $147,300,000 | 3,679 |
| Average equity | $24,635,600 | 2,590 |
| Average total loans | $134,161,400 | 3,051 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4711% | 2,552 |
| Cost of funding earning assets | 1.3988% | 3,594 |
| Net interest margin | 4.0723% | 2,747 |
| Noninterest income to average assets | 0.7225% | 2,692 |
| Noninterest expense to average assets | 1.9335% | 7,161 |
| Loan and lease loss provision to assets | 0.0882% | 6,165 |
| Net operating income to assets | 1.5587% | 812 |
| Return on assets (ROA) | 1.5587% | 888 |
| Pretax return on assets | 2.5695% | 205 |
| Return on Equity (ROE) | 9.7693% | 2,221 |
| Retained earnings to average equity (ytd only) | 9.7693% | 849 |
| Net charge-offs to loans | 0.0547% | 5,973 |
| Credit loss provision to net charge-offs | 183.6364% | 1,977 |
| Earnings coverage of net charge-offs (x) | 55.3102% | 526 |
| Efficiency ratio | 42.1123% | 7,524 |
| Assets per employee ($millions) | 4.6389% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 6,286 |
| Loan loss allowance to noncurrent loans | 36.0167% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 3.4700% | 2,052 |
| Noncurrent loans to loans | 2.8450% | 2,808 |
| Net loans and leases to total assets | 84.3910% | 306 |
| Net loans and leases to deposits | 101.4474% | 556 |
| Net loans and leases to core deposits | 108.9231% | 1,099 |
| Total domestic deposits to total assets | 83.1870% | 4,515 |
| Equity capital to assets | 16.0433% | 664 |
| Core capital (leverage) ratio | 16.4375% | 499 |
| Tier 1 risk-based capital ratio | 18.5370% | 1,863 |
| Total risk-based capital ratio | 19.5465% | 1,892 |
| Memoranda: | ||
| Average total assets | $152,605,750 | 3,887 |
| Average earning assets | $144,976,750 | 3,767 |
| Average equity | $24,347,750 | 2,668 |
| Average total loans | $133,978,250 | 3,099 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4950% | 2,535 |
| Cost of funding earning assets | 1.4301% | 3,669 |
| Net interest margin | 4.0649% | 2,722 |
| Noninterest income to average assets | 0.4930% | 4,172 |
| Noninterest expense to average assets | 1.9881% | 7,133 |
| Loan and lease loss provision to assets | 0.0610% | 6,342 |
| Net operating income to assets | 1.3943% | 1,106 |
| Return on assets (ROA) | 1.3943% | 1,172 |
| Pretax return on assets | 2.2942% | 341 |
| Return on Equity (ROE) | 8.7561% | 2,563 |
| Retained earnings to average equity (ytd only) | 8.7561% | 1,190 |
| Net charge-offs to loans | 0.0224% | 6,023 |
| Credit loss provision to net charge-offs | 306.6667% | 1,199 |
| Earnings coverage of net charge-offs (x) | 118.4667% | 286 |
| Efficiency ratio | 45.7736% | 7,450 |
| Assets per employee ($millions) | 4.3001% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 6,419 |
| Loan loss allowance to noncurrent loans | 30.4922% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 4.1826% | 1,614 |
| Noncurrent loans to loans | 3.2693% | 2,454 |
| Net loans and leases to total assets | 89.9411% | 75 |
| Net loans and leases to deposits | 110.2465% | 267 |
| Net loans and leases to core deposits | 118.7195% | 740 |
| Total domestic deposits to total assets | 81.5818% | 5,162 |
| Equity capital to assets | 16.3266% | 624 |
| Core capital (leverage) ratio | 16.4897% | 499 |
| Tier 1 risk-based capital ratio | 17.6214% | 2,070 |
| Total risk-based capital ratio | 18.5989% | 2,114 |
| Memoranda: | ||
| Average total assets | $150,900,000 | 3,936 |
| Average earning assets | $142,929,330 | 3,843 |
| Average equity | $24,029,000 | 2,693 |
| Average total loans | $133,810,330 | 3,132 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4262% | 2,915 |
| Cost of funding earning assets | 1.4636% | 3,785 |
| Net interest margin | 3.9626% | 3,040 |
| Noninterest income to average assets | 0.5109% | 3,968 |
| Noninterest expense to average assets | 2.1549% | 6,792 |
| Loan and lease loss provision to assets | 0.0397% | 6,277 |
| Net operating income to assets | 1.2575% | 1,392 |
| Return on assets (ROA) | 1.2575% | 1,465 |
| Pretax return on assets | 2.0649% | 538 |
| Return on Equity (ROE) | 7.9975% | 2,885 |
| Retained earnings to average equity (ytd only) | 7.9975% | 1,707 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5904% | 7,274 |
| Assets per employee ($millions) | 4.4166% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,401 |
| Loan loss allowance to noncurrent loans | 48.0214% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 3.1086% | 2,301 |
| Noncurrent loans to loans | 2.1070% | 3,648 |
| Net loans and leases to total assets | 87.7581% | 134 |
| Net loans and leases to deposits | 107.4911% | 363 |
| Net loans and leases to core deposits | 116.4347% | 930 |
| Total domestic deposits to total assets | 81.6422% | 5,219 |
| Equity capital to assets | 15.9791% | 672 |
| Core capital (leverage) ratio | 16.1300% | 562 |
| Tier 1 risk-based capital ratio | 17.5287% | 2,071 |
| Total risk-based capital ratio | 18.5127% | 2,125 |
| Memoranda: | ||
| Average total assets | $151,098,500 | 3,994 |
| Average earning assets | $142,936,500 | 3,891 |
| Average equity | $23,757,500 | 2,744 |
| Average total loans | $132,352,000 | 3,216 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6641% | 3,280 |
| Cost of funding earning assets | 1.8778% | 3,575 |
| Net interest margin | 3.7863% | 3,770 |
| Noninterest income to average assets | 0.7747% | 2,540 |
| Noninterest expense to average assets | 1.9059% | 7,496 |
| Loan and lease loss provision to assets | 0.1524% | 6,144 |
| Net operating income to assets | 1.4100% | 832 |
| Return on assets (ROA) | 1.4100% | 888 |
| Pretax return on assets | 2.3249% | 214 |
| Return on Equity (ROE) | 9.1896% | 1,962 |
| Retained earnings to average equity (ytd only) | 9.1896% | 469 |
| Net charge-offs to loans | 0.1201% | 5,976 |
| Credit loss provision to net charge-offs | 142.6752% | 3,378 |
| Earnings coverage of net charge-offs (x) | 23.1975% | 940 |
| Efficiency ratio | 43.4823% | 7,793 |
| Assets per employee ($millions) | 4.6070% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 6,305 |
| Loan loss allowance to noncurrent loans | 28.2503% | 6,586 |
| Noncurrent assets plus other real estate owned to assets | 3.1013% | 2,238 |
| Noncurrent loans to loans | 3.5835% | 2,117 |
| Net loans and leases to total assets | 85.6681% | 301 |
| Net loans and leases to deposits | 102.1354% | 746 |
| Net loans and leases to core deposits | 124.8746% | 1,581 |
| Total domestic deposits to total assets | 83.8771% | 4,083 |
| Equity capital to assets | 15.4704% | 800 |
| Core capital (leverage) ratio | 15.9096% | 629 |
| Tier 1 risk-based capital ratio | 16.3400% | 2,381 |
| Total risk-based capital ratio | 17.2654% | 2,448 |
| Memoranda: | ||
| Average total assets | $147,016,800 | 3,998 |
| Average earning assets | $140,111,600 | 3,901 |
| Average equity | $22,558,000 | 2,883 |
| Average total loans | $130,676,800 | 3,257 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6973% | 3,354 |
| Cost of funding earning assets | 1.9557% | 3,589 |
| Net interest margin | 3.7416% | 3,902 |
| Noninterest income to average assets | 0.8370% | 2,252 |
| Noninterest expense to average assets | 1.8587% | 7,598 |
| Loan and lease loss provision to assets | 0.0604% | 6,762 |
| Net operating income to assets | 1.5038% | 805 |
| Return on assets (ROA) | 1.5038% | 866 |
| Pretax return on assets | 2.4862% | 197 |
| Return on Equity (ROE) | 9.8217% | 1,989 |
| Retained earnings to average equity (ytd only) | 9.8217% | 668 |
| Net charge-offs to loans | 0.0102% | 6,794 |
| Credit loss provision to net charge-offs | 660.0000% | 567 |
| Earnings coverage of net charge-offs (x) | 278.4629% | 132 |
| Efficiency ratio | 42.1927% | 7,883 |
| Assets per employee ($millions) | 4.4475% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 6,251 |
| Loan loss allowance to noncurrent loans | 29.4013% | 6,506 |
| Noncurrent assets plus other real estate owned to assets | 3.0811% | 2,228 |
| Noncurrent loans to loans | 3.4225% | 2,194 |
| Net loans and leases to total assets | 88.5471% | 174 |
| Net loans and leases to deposits | 105.9870% | 652 |
| Net loans and leases to core deposits | 131.0619% | 1,370 |
| Total domestic deposits to total assets | 83.5452% | 3,932 |
| Equity capital to assets | 15.7332% | 847 |
| Core capital (leverage) ratio | 15.7847% | 711 |
| Tier 1 risk-based capital ratio | 16.1050% | 2,591 |
| Total risk-based capital ratio | 17.0263% | 2,645 |
| Memoranda: | ||
| Average total assets | $145,763,000 | 4,043 |
| Average earning assets | $139,010,750 | 3,952 |
| Average equity | $22,317,500 | 2,931 |
| Average total loans | $130,452,250 | 3,295 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7577% | 3,265 |
| Cost of funding earning assets | 1.9970% | 3,792 |
| Net interest margin | 3.7607% | 3,710 |
| Noninterest income to average assets | 1.0177% | 1,531 |
| Noninterest expense to average assets | 1.8428% | 7,696 |
| Loan and lease loss provision to assets | 0.0660% | 6,551 |
| Net operating income to assets | 1.6297% | 645 |
| Return on assets (ROA) | 1.6297% | 711 |
| Pretax return on assets | 2.6982% | 154 |
| Return on Equity (ROE) | 10.7436% | 1,771 |
| Retained earnings to average equity (ytd only) | 10.7436% | 600 |
| Net charge-offs to loans | 0.0108% | 6,414 |
| Credit loss provision to net charge-offs | 685.7143% | 683 |
| Earnings coverage of net charge-offs (x) | 287.1429% | 134 |
| Efficiency ratio | 40.0000% | 8,016 |
| Assets per employee ($millions) | 4.1317% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 6,201 |
| Loan loss allowance to noncurrent loans | 29.2563% | 6,543 |
| Noncurrent assets plus other real estate owned to assets | 3.1070% | 2,025 |
| Noncurrent loans to loans | 3.4348% | 2,047 |
| Net loans and leases to total assets | 88.9696% | 188 |
| Net loans and leases to deposits | 106.4988% | 739 |
| Net loans and leases to core deposits | 132.1331% | 1,427 |
| Total domestic deposits to total assets | 83.5404% | 3,994 |
| Equity capital to assets | 15.6505% | 896 |
| Core capital (leverage) ratio | 15.5428% | 818 |
| Tier 1 risk-based capital ratio | 14.4796% | 3,258 |
| Total risk-based capital ratio | 15.3151% | 3,419 |
| Memoranda: | ||
| Average total assets | $145,428,670 | 4,078 |
| Average earning assets | $138,805,000 | 3,973 |
| Average equity | $22,059,670 | 2,964 |
| Average total loans | $130,177,000 | 3,334 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9474% | 2,575 |
| Cost of funding earning assets | 2.0527% | 3,858 |
| Net interest margin | 3.8947% | 3,060 |
| Noninterest income to average assets | 1.1218% | 1,178 |
| Noninterest expense to average assets | 1.8322% | 7,656 |
| Loan and lease loss provision to assets | 0.0439% | 6,422 |
| Net operating income to assets | 1.7910% | 539 |
| Return on assets (ROA) | 1.7910% | 595 |
| Pretax return on assets | 2.9457% | 137 |
| Return on Equity (ROE) | 11.9962% | 1,660 |
| Retained earnings to average equity (ytd only) | 11.9962% | 782 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9977% | 8,084 |
| Assets per employee ($millions) | 4.1445% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 6,254 |
| Loan loss allowance to noncurrent loans | 71.9259% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.3050% | 4,064 |
| Noncurrent loans to loans | 1.3777% | 4,249 |
| Net loans and leases to total assets | 88.2337% | 247 |
| Net loans and leases to deposits | 105.0700% | 934 |
| Net loans and leases to core deposits | 128.1771% | 1,769 |
| Total domestic deposits to total assets | 83.9761% | 3,714 |
| Equity capital to assets | 15.2353% | 1,033 |
| Core capital (leverage) ratio | 15.2915% | 904 |
| Tier 1 risk-based capital ratio | 14.2143% | 3,467 |
| Total risk-based capital ratio | 15.0382% | 3,625 |
| Memoranda: | ||
| Average total assets | $145,838,500 | 4,079 |
| Average earning assets | $138,548,500 | 3,985 |
| Average equity | $21,773,500 | 3,004 |
| Average total loans | $130,283,500 | 3,355 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4228% | 3,303 |
| Cost of funding earning assets | 2.5602% | 3,900 |
| Net interest margin | 3.8626% | 3,731 |
| Noninterest income to average assets | 0.3904% | 5,555 |
| Noninterest expense to average assets | 1.7275% | 7,839 |
| Loan and lease loss provision to assets | 0.1171% | 5,877 |
| Net operating income to assets | 1.3556% | 1,333 |
| Return on assets (ROA) | 1.3556% | 1,292 |
| Pretax return on assets | 2.2293% | 370 |
| Return on Equity (ROE) | 8.3444% | 2,916 |
| Retained earnings to average equity (ytd only) | -4.7620% | 6,475 |
| Net charge-offs to loans | 0.0857% | 5,529 |
| Credit loss provision to net charge-offs | 151.3761% | 3,463 |
| Earnings coverage of net charge-offs (x) | 30.3303% | 1,167 |
| Efficiency ratio | 42.4042% | 8,062 |
| Assets per employee ($millions) | 4.3123% | 2,930 |
| Cash dividends to net income (ytd only)* | 157.0681% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 6,312 |
| Loan loss allowance to noncurrent loans | 110.4803% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.8294% | 4,773 |
| Noncurrent loans to loans | 0.8721% | 4,874 |
| Net loans and leases to total assets | 88.6863% | 305 |
| Net loans and leases to deposits | 109.5302% | 867 |
| Net loans and leases to core deposits | 133.1385% | 1,646 |
| Total domestic deposits to total assets | 80.9697% | 4,651 |
| Equity capital to assets | 14.6277% | 1,268 |
| Core capital (leverage) ratio | 15.1901% | 986 |
| Tier 1 risk-based capital ratio | 13.6927% | 3,700 |
| Total risk-based capital ratio | 14.5003% | 3,878 |
| Memoranda: | ||
| Average total assets | $140,895,400 | 4,064 |
| Average earning assets | $134,366,000 | 3,964 |
| Average equity | $22,889,600 | 2,861 |
| Average total loans | $127,261,000 | 3,313 |