Home > Iroquois Federal Savings and Loan Association > Performance and Condition Ratios
Iroquois Federal Savings and Loan Association, 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 | 5.1339% | 2,855 |
| Cost of funding earning assets | 2.6318% | 676 |
| Net interest margin | 2.5021% | 4,034 |
| Noninterest income to average assets | 0.5300% | 1,608 |
| Noninterest expense to average assets | 2.3502% | 2,717 |
| Loan and lease loss provision to assets | -0.1200% | 4,349 |
| Net operating income to assets | 0.4757% | 3,613 |
| Return on assets (ROA) | 0.4757% | 3,624 |
| Pretax return on assets | 0.6548% | 3,490 |
| Return on Equity (ROE) | 5.9400% | 3,352 |
| Retained earnings to average equity (ytd only) | 5.9358% | 2,293 |
| Net charge-offs to loans | -0.0018% | 3,540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 81.4425% | 849 |
| Assets per employee ($millions) | 8.5353% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 2,721 |
| Loan loss allowance to noncurrent loans | 2,105.0445% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 3,383 |
| Noncurrent loans to loans | 0.0522% | 3,417 |
| Net loans and leases to total assets | 72.5900% | 1,517 |
| Net loans and leases to deposits | 92.3956% | 886 |
| Net loans and leases to core deposits | 106.8810% | 986 |
| Total domestic deposits to total assets | 78.5700% | 3,757 |
| Equity capital to assets | 8.2517% | 3,465 |
| Core capital (leverage) ratio | 9.7864% | 3,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $882,145,000 | 1,149 |
| Average earning assets | $829,394,000 | 1,128 |
| Average equity | $70,689,500 | 1,350 |
| Average total loans | $650,148,500 | 1,093 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1468% | 2,840 |
| Cost of funding earning assets | 2.9580% | 543 |
| Net interest margin | 2.1888% | 4,164 |
| Noninterest income to average assets | 0.5700% | 1,625 |
| Noninterest expense to average assets | 2.2322% | 3,030 |
| Loan and lease loss provision to assets | -0.0700% | 4,314 |
| Net operating income to assets | 0.3444% | 3,771 |
| Return on assets (ROA) | 0.3381% | 3,804 |
| Pretax return on assets | 0.4542% | 3,722 |
| Return on Equity (ROE) | 4.5000% | 3,605 |
| Retained earnings to average equity (ytd only) | 4.5046% | 2,438 |
| Net charge-offs to loans | -0.0064% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 85.0374% | 735 |
| Assets per employee ($millions) | 8.2724% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 2,584 |
| Loan loss allowance to noncurrent loans | 2,962.0968% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 3,498 |
| Noncurrent loans to loans | 0.0379% | 3,481 |
| Net loans and leases to total assets | 73.1700% | 1,522 |
| Net loans and leases to deposits | 94.0713% | 852 |
| Net loans and leases to core deposits | 108.7577% | 989 |
| Total domestic deposits to total assets | 77.7800% | 3,806 |
| Equity capital to assets | 7.7767% | 3,628 |
| Core capital (leverage) ratio | 9.5731% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $896,456,400 | 1,111 |
| Average earning assets | $843,012,600 | 1,092 |
| Average equity | $67,286,800 | 1,359 |
| Average total loans | $653,775,600 | 1,064 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1050% | 2,847 |
| Cost of funding earning assets | 2.9813% | 526 |
| Net interest margin | 2.1237% | 4,215 |
| Noninterest income to average assets | 0.5700% | 1,582 |
| Noninterest expense to average assets | 2.2299% | 2,998 |
| Loan and lease loss provision to assets | -0.0300% | 4,235 |
| Net operating income to assets | 0.2730% | 3,898 |
| Return on assets (ROA) | 0.2646% | 3,945 |
| Pretax return on assets | 0.3487% | 3,892 |
| Return on Equity (ROE) | 3.5600% | 3,798 |
| Retained earnings to average equity (ytd only) | 3.5575% | 2,995 |
| Net charge-offs to loans | 0.0496% | 1,404 |
| Credit loss provision to net charge-offs | -90.5350% | 4,392 |
| Earnings coverage of net charge-offs (x) | 9.2634% | 2,172 |
| Efficiency ratio | 86.9817% | 663 |
| Assets per employee ($millions) | 8.3498% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 2,527 |
| Loan loss allowance to noncurrent loans | 3,717.4129% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,600 |
| Noncurrent loans to loans | 0.0307% | 3,584 |
| Net loans and leases to total assets | 72.4300% | 1,554 |
| Net loans and leases to deposits | 94.6147% | 819 |
| Net loans and leases to core deposits | 107.4954% | 1,051 |
| Total domestic deposits to total assets | 76.5500% | 3,877 |
| Equity capital to assets | 8.0179% | 3,701 |
| Core capital (leverage) ratio | 9.4944% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $899,283,250 | 1,103 |
| Average earning assets | $845,607,000 | 1,091 |
| Average equity | $66,899,750 | 1,354 |
| Average total loans | $653,467,000 | 1,064 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0699% | 2,819 |
| Cost of funding earning assets | 3.0187% | 460 |
| Net interest margin | 2.0512% | 4,267 |
| Noninterest income to average assets | 0.5200% | 1,764 |
| Noninterest expense to average assets | 2.2376% | 2,981 |
| Loan and lease loss provision to assets | -0.1200% | 4,422 |
| Net operating income to assets | 0.2554% | 3,917 |
| Return on assets (ROA) | 0.2554% | 3,955 |
| Pretax return on assets | 0.3327% | 3,893 |
| Return on Equity (ROE) | 3.5200% | 3,805 |
| Retained earnings to average equity (ytd only) | 3.5241% | 2,881 |
| Net charge-offs to loans | -0.0493% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 91.4309% | 499 |
| Assets per employee ($millions) | 7.8568% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 2,453 |
| Loan loss allowance to noncurrent loans | 4,334.6821% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 3,594 |
| Noncurrent loans to loans | 0.0267% | 3,583 |
| Net loans and leases to total assets | 72.0100% | 1,650 |
| Net loans and leases to deposits | 87.0578% | 1,564 |
| Net loans and leases to core deposits | 98.1051% | 1,608 |
| Total domestic deposits to total assets | 82.7100% | 2,929 |
| Equity capital to assets | 7.4467% | 3,754 |
| Core capital (leverage) ratio | 9.2331% | 3,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $901,236,000 | 1,104 |
| Average earning assets | $846,727,667 | 1,090 |
| Average equity | $65,321,667 | 1,376 |
| Average total loans | $653,110,667 | 1,066 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0665% | 2,650 |
| Cost of funding earning assets | 3.0867% | 366 |
| Net interest margin | 1.9798% | 4,315 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 2.0984% | 3,317 |
| Loan and lease loss provision to assets | -0.1700% | 4,493 |
| Net operating income to assets | 0.3234% | 3,773 |
| Return on assets (ROA) | 0.3234% | 3,799 |
| Pretax return on assets | 0.4353% | 3,690 |
| Return on Equity (ROE) | 4.5200% | 3,558 |
| Retained earnings to average equity (ytd only) | 4.5221% | 2,549 |
| Net charge-offs to loans | -0.1024% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 88.8454% | 642 |
| Assets per employee ($millions) | 8.5382% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 2,350 |
| Loan loss allowance to noncurrent loans | 3,065.4762% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 3,543 |
| Noncurrent loans to loans | 0.0387% | 3,497 |
| Net loans and leases to total assets | 71.0800% | 1,675 |
| Net loans and leases to deposits | 93.2501% | 929 |
| Net loans and leases to core deposits | 106.7265% | 1,071 |
| Total domestic deposits to total assets | 76.2300% | 3,969 |
| Equity capital to assets | 7.1373% | 3,840 |
| Core capital (leverage) ratio | 9.0264% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $907,945,000 | 1,104 |
| Average earning assets | $852,822,500 | 1,085 |
| Average equity | $64,926,000 | 1,377 |
| Average total loans | $656,268,000 | 1,063 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5180% | 3,068 |
| Cost of funding earning assets | 2.2162% | 623 |
| Net interest margin | 2.3018% | 4,261 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.2820% | 2,897 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.2311% | 4,124 |
| Return on assets (ROA) | 0.2322% | 4,134 |
| Pretax return on assets | 0.3043% | 4,087 |
| Return on Equity (ROE) | 3.1600% | 3,997 |
| Retained earnings to average equity (ytd only) | -0.0063% | 4,082 |
| Net charge-offs to loans | -0.0074% | 3,937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.9371% | 519 |
| Assets per employee ($millions) | 8.5929% | 1,150 |
| Cash dividends to net income (ytd only)* | 100.2004% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,300 |
| Loan loss allowance to noncurrent loans | 27,362.0690% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 3,816 |
| Noncurrent loans to loans | 0.0044% | 3,757 |
| Net loans and leases to total assets | 71.7500% | 1,611 |
| Net loans and leases to deposits | 95.2633% | 843 |
| Net loans and leases to core deposits | 109.4020% | 977 |
| Total domestic deposits to total assets | 75.3200% | 4,002 |
| Equity capital to assets | 7.1643% | 3,869 |
| Core capital (leverage) ratio | 9.1905% | 3,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $859,474,000 | 1,123 |
| Average earning assets | $805,795,600 | 1,100 |
| Average equity | $63,194,800 | 1,340 |
| Average total loans | $606,523,200 | 1,085 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4011% | 3,102 |
| Cost of funding earning assets | 2.0140% | 689 |
| Net interest margin | 2.3871% | 4,243 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.3589% | 2,631 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2799% | 4,138 |
| Return on assets (ROA) | 0.2814% | 4,141 |
| Pretax return on assets | 0.3699% | 4,093 |
| Return on Equity (ROE) | 3.8000% | 4,009 |
| Retained earnings to average equity (ytd only) | -0.4531% | 4,203 |
| Net charge-offs to loans | 0.0004% | 2,647 |
| Credit loss provision to net charge-offs | 14,300.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,159.0000% | 136 |
| Efficiency ratio | 86.5988% | 486 |
| Assets per employee ($millions) | 7.9161% | 1,389 |
| Cash dividends to net income (ytd only)* | 111.9194% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 2,378 |
| Loan loss allowance to noncurrent loans | 5,477.9412% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 3,647 |
| Noncurrent loans to loans | 0.0219% | 3,608 |
| Net loans and leases to total assets | 70.5800% | 1,760 |
| Net loans and leases to deposits | 88.3840% | 1,351 |
| Net loans and leases to core deposits | 99.0193% | 1,380 |
| Total domestic deposits to total assets | 79.8600% | 3,551 |
| Equity capital to assets | 6.6704% | 3,766 |
| Core capital (leverage) ratio | 9.4565% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $846,631,000 | 1,137 |
| Average earning assets | $793,091,250 | 1,113 |
| Average equity | $62,679,500 | 1,344 |
| Average total loans | $592,782,750 | 1,095 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2963% | 3,108 |
| Cost of funding earning assets | 1.8401% | 689 |
| Net interest margin | 2.4562% | 4,254 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.4258% | 2,418 |
| Loan and lease loss provision to assets | -0.0600% | 4,518 |
| Net operating income to assets | 0.3128% | 4,136 |
| Return on assets (ROA) | 0.3151% | 4,156 |
| Pretax return on assets | 0.4076% | 4,107 |
| Return on Equity (ROE) | 4.1100% | 4,016 |
| Retained earnings to average equity (ytd only) | -2.1149% | 4,295 |
| Net charge-offs to loans | 0.0010% | 2,384 |
| Credit loss provision to net charge-offs | -800.0000% | 4,611 |
| Earnings coverage of net charge-offs (x) | 485.0000% | 302 |
| Efficiency ratio | 87.4849% | 446 |
| Assets per employee ($millions) | 7.9351% | 1,347 |
| Cash dividends to net income (ytd only)* | 151.4005% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 2,436 |
| Loan loss allowance to noncurrent loans | 6,101.7094% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,669 |
| Noncurrent loans to loans | 0.0197% | 3,620 |
| Net loans and leases to total assets | 69.1900% | 1,829 |
| Net loans and leases to deposits | 78.9642% | 2,048 |
| Net loans and leases to core deposits | 86.7441% | 2,017 |
| Total domestic deposits to total assets | 87.6200% | 1,739 |
| Equity capital to assets | 7.3698% | 3,595 |
| Core capital (leverage) ratio | 9.5075% | 3,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $838,583,333 | 1,139 |
| Average earning assets | $786,167,000 | 1,117 |
| Average equity | $64,211,333 | 1,315 |
| Average total loans | $583,028,000 | 1,095 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1945% | 3,058 |
| Cost of funding earning assets | 1.6298% | 660 |
| Net interest margin | 2.5647% | 4,243 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.2915% | 2,838 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.3430% | 4,181 |
| Return on assets (ROA) | 0.3475% | 4,127 |
| Pretax return on assets | 0.4512% | 4,056 |
| Return on Equity (ROE) | 4.4500% | 3,963 |
| Retained earnings to average equity (ytd only) | 4.4533% | 3,141 |
| Net charge-offs to loans | -0.0021% | 3,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.3568% | 801 |
| Assets per employee ($millions) | 7.5943% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 2,106 |
| Loan loss allowance to noncurrent loans | 2,255.9880% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 3,392 |
| Noncurrent loans to loans | 0.0570% | 3,329 |
| Net loans and leases to total assets | 68.6300% | 1,776 |
| Net loans and leases to deposits | 82.7721% | 1,589 |
| Net loans and leases to core deposits | 93.2434% | 1,441 |
| Total domestic deposits to total assets | 82.9100% | 3,318 |
| Equity capital to assets | 7.8973% | 3,316 |
| Core capital (leverage) ratio | 9.7627% | 2,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $833,347,500 | 1,158 |
| Average earning assets | $781,694,000 | 1,141 |
| Average equity | $65,030,000 | 1,314 |
| Average total loans | $577,243,500 | 1,116 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5922% | 2,826 |
| Cost of funding earning assets | 0.5444% | 1,136 |
| Net interest margin | 3.0478% | 3,316 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.4038% | 2,414 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.7470% | 3,490 |
| Return on assets (ROA) | 0.7023% | 3,560 |
| Pretax return on assets | 0.9525% | 3,217 |
| Return on Equity (ROE) | 8.2700% | 3,315 |
| Retained earnings to average equity (ytd only) | 2.4517% | 3,873 |
| Net charge-offs to loans | 0.0089% | 2,057 |
| Credit loss provision to net charge-offs | 1,640.4255% | 302 |
| Earnings coverage of net charge-offs (x) | 188.8723% | 678 |
| Efficiency ratio | 68.6701% | 1,877 |
| Assets per employee ($millions) | 7.4210% | 1,671 |
| Cash dividends to net income (ytd only)* | 70.3606% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 2,095 |
| Loan loss allowance to noncurrent loans | 2,866.4000% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 3,508 |
| Noncurrent loans to loans | 0.0440% | 3,445 |
| Net loans and leases to total assets | 68.1400% | 1,815 |
| Net loans and leases to deposits | 83.2574% | 1,525 |
| Net loans and leases to core deposits | 91.9052% | 1,397 |
| Total domestic deposits to total assets | 81.8400% | 3,649 |
| Equity capital to assets | 7.7074% | 3,247 |
| Core capital (leverage) ratio | 9.8760% | 2,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $809,428,200 | 1,176 |
| Average earning assets | $763,243,000 | 1,155 |
| Average equity | $68,726,800 | 1,272 |
| Average total loans | $530,033,400 | 1,129 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3840% | 2,960 |
| Cost of funding earning assets | 0.3626% | 1,592 |
| Net interest margin | 3.0214% | 3,163 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.4168% | 2,269 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.7388% | 3,452 |
| Return on assets (ROA) | 0.7028% | 3,515 |
| Pretax return on assets | 0.9553% | 3,161 |
| Return on Equity (ROE) | 8.0900% | 3,300 |
| Retained earnings to average equity (ytd only) | 0.4721% | 4,276 |
| Net charge-offs to loans | 0.0120% | 1,670 |
| Credit loss provision to net charge-offs | 1,336.1702% | 328 |
| Earnings coverage of net charge-offs (x) | 141.6170% | 771 |
| Efficiency ratio | 68.6968% | 1,928 |
| Assets per employee ($millions) | 7.4025% | 1,677 |
| Cash dividends to net income (ytd only)* | 94.1620% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,152 |
| Loan loss allowance to noncurrent loans | 590.6644% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 2,576 |
| Noncurrent loans to loans | 0.2157% | 2,533 |
| Net loans and leases to total assets | 67.4300% | 1,738 |
| Net loans and leases to deposits | 81.8770% | 1,450 |
| Net loans and leases to core deposits | 88.3787% | 1,395 |
| Total domestic deposits to total assets | 82.3600% | 3,781 |
| Equity capital to assets | 7.4168% | 3,265 |
| Core capital (leverage) ratio | 9.8699% | 2,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $805,853,500 | 1,185 |
| Average earning assets | $760,858,000 | 1,165 |
| Average equity | $70,036,500 | 1,263 |
| Average total loans | $520,431,500 | 1,142 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2094% | 3,010 |
| Cost of funding earning assets | 0.3193% | 1,536 |
| Net interest margin | 2.8902% | 3,197 |
| Noninterest income to average assets | 0.6890% | 1,388 |
| Noninterest expense to average assets | 2.4253% | 2,155 |
| Loan and lease loss provision to assets | 0.1726% | 516 |
| Net operating income to assets | 0.6178% | 3,579 |
| Return on assets (ROA) | 0.5639% | 3,669 |
| Pretax return on assets | 0.7583% | 3,431 |
| Return on Equity (ROE) | 6.1851% | 3,533 |
| Retained earnings to average equity (ytd only) | -4.7090% | 4,528 |
| Net charge-offs to loans | 0.0149% | 1,465 |
| Credit loss provision to net charge-offs | 1,828.9474% | 260 |
| Earnings coverage of net charge-offs (x) | 105.8947% | 787 |
| Efficiency ratio | 70.8237% | 1,850 |
| Assets per employee ($millions) | 7.6568% | 1,508 |
| Cash dividends to net income (ytd only)* | 176.1339% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 2,006 |
| Loan loss allowance to noncurrent loans | 600.6814% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 2,661 |
| Noncurrent loans to loans | 0.2232% | 2,607 |
| Net loans and leases to total assets | 60.5128% | 2,273 |
| Net loans and leases to deposits | 68.4232% | 2,350 |
| Net loans and leases to core deposits | 72.9733% | 2,241 |
| Total domestic deposits to total assets | 88.4389% | 2,410 |
| Equity capital to assets | 7.4394% | 3,510 |
| Core capital (leverage) ratio | 9.7759% | 2,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $805,515,333 | 1,188 |
| Average earning assets | $762,376,667 | 1,175 |
| Average equity | $73,434,000 | 1,250 |
| Average total loans | $510,198,667 | 1,147 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2469% | 2,542 |
| Cost of funding earning assets | 0.3295% | 1,384 |
| Net interest margin | 2.9175% | 2,778 |
| Noninterest income to average assets | 0.7364% | 1,204 |
| Noninterest expense to average assets | 2.5411% | 1,779 |
| Loan and lease loss provision to assets | 0.1242% | 670 |
| Net operating income to assets | 0.6209% | 3,325 |
| Return on assets (ROA) | 0.6209% | 3,307 |
| Pretax return on assets | 0.8385% | 2,981 |
| Return on Equity (ROE) | 6.1851% | 3,294 |
| Retained earnings to average equity (ytd only) | 6.1851% | 2,183 |
| Net charge-offs to loans | 0.0207% | 1,126 |
| Credit loss provision to net charge-offs | 930.7692% | 353 |
| Earnings coverage of net charge-offs (x) | 72.1538% | 786 |
| Efficiency ratio | 72.5249% | 1,913 |
| Assets per employee ($millions) | 7.4190% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 2,335 |
| Loan loss allowance to noncurrent loans | 19,444.1176% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 3,858 |
| Noncurrent loans to loans | 0.0067% | 3,979 |
| Net loans and leases to total assets | 63.5580% | 1,675 |
| Net loans and leases to deposits | 74.1865% | 1,593 |
| Net loans and leases to core deposits | 79.9714% | 1,483 |
| Total domestic deposits to total assets | 85.6732% | 3,355 |
| Equity capital to assets | 9.4763% | 2,306 |
| Core capital (leverage) ratio | 10.5976% | 1,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $779,494,000 | 1,216 |
| Average earning assets | $739,404,000 | 1,202 |
| Average equity | $78,252,500 | 1,218 |
| Average total loans | $502,306,000 | 1,158 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3693% | 3,005 |
| Cost of funding earning assets | 0.4029% | 1,526 |
| Net interest margin | 2.9664% | 3,279 |
| Noninterest income to average assets | 0.7753% | 1,517 |
| Noninterest expense to average assets | 2.4415% | 2,358 |
| Loan and lease loss provision to assets | 0.0494% | 2,067 |
| Net operating income to assets | 0.8159% | 3,285 |
| Return on assets (ROA) | 0.8280% | 3,319 |
| Pretax return on assets | 1.1307% | 2,880 |
| Return on Equity (ROE) | 7.6602% | 3,330 |
| Retained earnings to average equity (ytd only) | 2.7857% | 3,730 |
| Net charge-offs to loans | 0.0840% | 964 |
| Credit loss provision to net charge-offs | 87.4126% | 1,901 |
| Earnings coverage of net charge-offs (x) | 20.6131% | 1,849 |
| Efficiency ratio | 67.7003% | 2,028 |
| Assets per employee ($millions) | 7.1534% | 1,827 |
| Cash dividends to net income (ytd only)* | 63.6335% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 2,439 |
| Loan loss allowance to noncurrent loans | 2,631.6872% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 3,587 |
| Noncurrent loans to loans | 0.0488% | 3,734 |
| Net loans and leases to total assets | 63.6544% | 1,744 |
| Net loans and leases to deposits | 75.8145% | 1,580 |
| Net loans and leases to core deposits | 80.7184% | 1,540 |
| Total domestic deposits to total assets | 83.9607% | 3,574 |
| Equity capital to assets | 10.6116% | 2,081 |
| Core capital (leverage) ratio | 10.6951% | 1,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $759,162,600 | 1,208 |
| Average earning assets | $724,509,000 | 1,188 |
| Average equity | $82,060,800 | 1,177 |
| Average total loans | $510,986,600 | 1,144 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3461% | 3,263 |
| Cost of funding earning assets | 0.4236% | 1,531 |
| Net interest margin | 2.9225% | 3,499 |
| Noninterest income to average assets | 0.7843% | 1,575 |
| Noninterest expense to average assets | 2.4231% | 2,361 |
| Loan and lease loss provision to assets | 0.0795% | 1,488 |
| Net operating income to assets | 0.7840% | 3,567 |
| Return on assets (ROA) | 0.8002% | 3,594 |
| Pretax return on assets | 1.0914% | 3,212 |
| Return on Equity (ROE) | 7.3682% | 3,571 |
| Retained earnings to average equity (ytd only) | 0.8707% | 4,437 |
| Net charge-offs to loans | 0.1115% | 687 |
| Credit loss provision to net charge-offs | 104.8837% | 1,550 |
| Earnings coverage of net charge-offs (x) | 15.1674% | 1,869 |
| Efficiency ratio | 67.8053% | 1,862 |
| Assets per employee ($millions) | 6.9732% | 1,890 |
| Cash dividends to net income (ytd only)* | 88.1834% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 2,671 |
| Loan loss allowance to noncurrent loans | 19,029.4118% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 3,977 |
| Noncurrent loans to loans | 0.0066% | 4,156 |
| Net loans and leases to total assets | 66.0035% | 1,548 |
| Net loans and leases to deposits | 78.6264% | 1,421 |
| Net loans and leases to core deposits | 84.5856% | 1,381 |
| Total domestic deposits to total assets | 83.9457% | 3,469 |
| Equity capital to assets | 10.6488% | 2,322 |
| Core capital (leverage) ratio | 10.5921% | 1,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $755,810,250 | 1,229 |
| Average earning assets | $721,376,750 | 1,201 |
| Average equity | $82,080,500 | 1,196 |
| Average total loans | $514,190,500 | 1,158 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3018% | 3,416 |
| Cost of funding earning assets | 0.4493% | 1,524 |
| Net interest margin | 2.8524% | 3,674 |
| Noninterest income to average assets | 0.7678% | 1,623 |
| Noninterest expense to average assets | 2.4112% | 2,425 |
| Loan and lease loss provision to assets | 0.1537% | 767 |
| Net operating income to assets | 0.6724% | 3,826 |
| Return on assets (ROA) | 0.6968% | 3,837 |
| Pretax return on assets | 0.9568% | 3,533 |
| Return on Equity (ROE) | 6.3737% | 3,820 |
| Retained earnings to average equity (ytd only) | -3.3571% | 4,732 |
| Net charge-offs to loans | 0.1663% | 501 |
| Credit loss provision to net charge-offs | 135.0467% | 1,209 |
| Earnings coverage of net charge-offs (x) | 9.4860% | 1,830 |
| Efficiency ratio | 69.0714% | 1,750 |
| Assets per employee ($millions) | 7.1833% | 1,671 |
| Cash dividends to net income (ytd only)* | 152.6718% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 2,591 |
| Loan loss allowance to noncurrent loans | 4,341.4474% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,901 |
| Noncurrent loans to loans | 0.0292% | 4,061 |
| Net loans and leases to total assets | 64.3854% | 1,904 |
| Net loans and leases to deposits | 76.1408% | 1,805 |
| Net loans and leases to core deposits | 81.5434% | 1,757 |
| Total domestic deposits to total assets | 84.5609% | 3,266 |
| Equity capital to assets | 10.0925% | 2,772 |
| Core capital (leverage) ratio | 10.4825% | 1,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $752,062,000 | 1,228 |
| Average earning assets | $717,979,333 | 1,204 |
| Average equity | $82,213,333 | 1,195 |
| Average total loans | $514,669,667 | 1,156 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4078% | 3,173 |
| Cost of funding earning assets | 0.5194% | 1,274 |
| Net interest margin | 2.8885% | 3,555 |
| Noninterest income to average assets | 0.8242% | 1,531 |
| Noninterest expense to average assets | 2.4737% | 2,249 |
| Loan and lease loss provision to assets | -0.0554% | 4,658 |
| Net operating income to assets | 0.8332% | 3,321 |
| Return on assets (ROA) | 0.8834% | 3,251 |
| Pretax return on assets | 1.2234% | 2,775 |
| Return on Equity (ROE) | 7.7560% | 3,400 |
| Retained earnings to average equity (ytd only) | 7.7560% | 2,331 |
| Net charge-offs to loans | -0.0023% | 3,168 |
| Credit loss provision to net charge-offs | 3,366.6667% | 165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1341% | 1,801 |
| Assets per employee ($millions) | 6.9023% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 2,701 |
| Loan loss allowance to noncurrent loans | 2,635.2697% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 3,949 |
| Noncurrent loans to loans | 0.0472% | 4,050 |
| Net loans and leases to total assets | 67.6713% | 1,571 |
| Net loans and leases to deposits | 81.2591% | 1,402 |
| Net loans and leases to core deposits | 89.4785% | 1,261 |
| Total domestic deposits to total assets | 83.2785% | 3,620 |
| Equity capital to assets | 11.0854% | 1,801 |
| Core capital (leverage) ratio | 11.2397% | 1,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $729,422,500 | 1,244 |
| Average earning assets | $695,455,000 | 1,221 |
| Average equity | $83,084,000 | 1,172 |
| Average total loans | $512,019,500 | 1,163 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 3,290 |
| Cost of funding earning assets | 0.9453% | 729 |
| Net interest margin | 2.8584% | 4,178 |
| Noninterest income to average assets | 0.7428% | 1,713 |
| Noninterest expense to average assets | 2.4681% | 2,942 |
| Loan and lease loss provision to assets | 0.0674% | 3,535 |
| Net operating income to assets | 0.6689% | 3,525 |
| Return on assets (ROA) | 0.7223% | 3,491 |
| Pretax return on assets | 1.0034% | 3,038 |
| Return on Equity (ROE) | 6.2846% | 3,492 |
| Retained earnings to average equity (ytd only) | 1.3652% | 4,083 |
| Net charge-offs to loans | 0.0490% | 2,096 |
| Credit loss provision to net charge-offs | 190.8000% | 2,205 |
| Earnings coverage of net charge-offs (x) | 28.3920% | 1,661 |
| Efficiency ratio | 71.0982% | 1,797 |
| Assets per employee ($millions) | 6.5449% | 1,890 |
| Cash dividends to net income (ytd only)* | 78.2779% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,630 |
| Loan loss allowance to noncurrent loans | 2,171.3805% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 3,839 |
| Noncurrent loans to loans | 0.0579% | 4,060 |
| Net loans and leases to total assets | 71.0382% | 1,419 |
| Net loans and leases to deposits | 85.7580% | 1,269 |
| Net loans and leases to core deposits | 95.7725% | 1,135 |
| Total domestic deposits to total assets | 82.8357% | 3,456 |
| Equity capital to assets | 11.7090% | 1,730 |
| Core capital (leverage) ratio | 11.0772% | 1,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $707,463,200 | 1,172 |
| Average earning assets | $675,346,200 | 1,141 |
| Average equity | $81,309,600 | 1,142 |
| Average total loans | $510,345,400 | 1,117 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8480% | 3,417 |
| Cost of funding earning assets | 1.0276% | 694 |
| Net interest margin | 2.8205% | 4,304 |
| Noninterest income to average assets | 0.7120% | 1,758 |
| Noninterest expense to average assets | 2.4508% | 2,985 |
| Loan and lease loss provision to assets | 0.0993% | 3,079 |
| Net operating income to assets | 0.6088% | 3,735 |
| Return on assets (ROA) | 0.6801% | 3,631 |
| Pretax return on assets | 0.9445% | 3,250 |
| Return on Equity (ROE) | 5.9455% | 3,578 |
| Retained earnings to average equity (ytd only) | -0.6588% | 4,576 |
| Net charge-offs to loans | 0.0633% | 1,701 |
| Credit loss provision to net charge-offs | 217.3554% | 2,049 |
| Earnings coverage of net charge-offs (x) | 20.8636% | 1,888 |
| Efficiency ratio | 71.9905% | 1,644 |
| Assets per employee ($millions) | 6.6606% | 1,704 |
| Cash dividends to net income (ytd only)* | 111.0803% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 2,446 |
| Loan loss allowance to noncurrent loans | 2,768.5106% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 3,988 |
| Noncurrent loans to loans | 0.0448% | 4,205 |
| Net loans and leases to total assets | 71.3827% | 1,759 |
| Net loans and leases to deposits | 85.6391% | 1,745 |
| Net loans and leases to core deposits | 95.8605% | 1,468 |
| Total domestic deposits to total assets | 83.3528% | 3,043 |
| Equity capital to assets | 11.3105% | 2,140 |
| Core capital (leverage) ratio | 10.6294% | 2,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $705,979,250 | 1,152 |
| Average earning assets | $673,917,750 | 1,119 |
| Average equity | $80,754,000 | 1,140 |
| Average total loans | $509,623,000 | 1,110 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9508% | 3,459 |
| Cost of funding earning assets | 1.1438% | 623 |
| Net interest margin | 2.8071% | 4,438 |
| Noninterest income to average assets | 0.6361% | 1,991 |
| Noninterest expense to average assets | 2.4362% | 3,153 |
| Loan and lease loss provision to assets | 0.0603% | 3,547 |
| Net operating income to assets | 0.5830% | 3,789 |
| Return on assets (ROA) | 0.6450% | 3,684 |
| Pretax return on assets | 0.8972% | 3,319 |
| Return on Equity (ROE) | 5.6107% | 3,624 |
| Retained earnings to average equity (ytd only) | -4.3417% | 4,747 |
| Net charge-offs to loans | 0.0789% | 1,459 |
| Credit loss provision to net charge-offs | 106.0302% | 2,361 |
| Earnings coverage of net charge-offs (x) | 15.4472% | 1,909 |
| Efficiency ratio | 73.4817% | 1,511 |
| Assets per employee ($millions) | 6.8731% | 1,519 |
| Cash dividends to net income (ytd only)* | 177.3836% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 2,474 |
| Loan loss allowance to noncurrent loans | 879.2666% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 3,778 |
| Noncurrent loans to loans | 0.1374% | 3,908 |
| Net loans and leases to total assets | 69.3234% | 2,140 |
| Net loans and leases to deposits | 84.2936% | 1,971 |
| Net loans and leases to core deposits | 92.4707% | 1,865 |
| Total domestic deposits to total assets | 82.2404% | 3,304 |
| Equity capital to assets | 10.9976% | 2,341 |
| Core capital (leverage) ratio | 10.6859% | 2,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $699,271,667 | 1,147 |
| Average earning assets | $667,452,000 | 1,114 |
| Average equity | $80,382,667 | 1,132 |
| Average total loans | $504,581,667 | 1,108 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1885% | 3,253 |
| Cost of funding earning assets | 1.3536% | 480 |
| Net interest margin | 2.8348% | 4,529 |
| Noninterest income to average assets | 0.6031% | 2,027 |
| Noninterest expense to average assets | 2.5191% | 3,218 |
| Loan and lease loss provision to assets | 0.1650% | 1,766 |
| Net operating income to assets | 0.4401% | 4,045 |
| Return on assets (ROA) | 0.5073% | 3,931 |
| Pretax return on assets | 0.7058% | 3,671 |
| Return on Equity (ROE) | 4.3127% | 3,868 |
| Retained earnings to average equity (ytd only) | 4.3127% | 2,569 |
| Net charge-offs to loans | 0.0233% | 1,902 |
| Credit loss provision to net charge-offs | 968.9655% | 590 |
| Earnings coverage of net charge-offs (x) | 46.1379% | 957 |
| Efficiency ratio | 76.2260% | 1,539 |
| Assets per employee ($millions) | 6.4545% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 2,178 |
| Loan loss allowance to noncurrent loans | 963.3929% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 3,854 |
| Noncurrent loans to loans | 0.1341% | 3,984 |
| Net loans and leases to total assets | 72.2787% | 1,875 |
| Net loans and leases to deposits | 92.3542% | 1,241 |
| Net loans and leases to core deposits | 103.4544% | 1,219 |
| Total domestic deposits to total assets | 78.2625% | 4,172 |
| Equity capital to assets | 11.9090% | 2,135 |
| Core capital (leverage) ratio | 11.6175% | 1,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $681,198,500 | 1,145 |
| Average earning assets | $649,212,000 | 1,110 |
| Average equity | $80,135,000 | 1,135 |
| Average total loans | $498,847,000 | 1,100 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2348% | 3,718 |
| Cost of funding earning assets | 1.4941% | 401 |
| Net interest margin | 2.7406% | 4,804 |
| Noninterest income to average assets | 0.6055% | 2,191 |
| Noninterest expense to average assets | 2.4176% | 3,637 |
| Loan and lease loss provision to assets | -0.0075% | 4,929 |
| Net operating income to assets | 0.5842% | 4,210 |
| Return on assets (ROA) | 0.5847% | 4,264 |
| Pretax return on assets | 0.8027% | 3,966 |
| Return on Equity (ROE) | 5.2558% | 4,144 |
| Retained earnings to average equity (ytd only) | 2.6174% | 3,725 |
| Net charge-offs to loans | 0.0092% | 3,354 |
| Credit loss provision to net charge-offs | -110.8696% | 4,227 |
| Earnings coverage of net charge-offs (x) | 117.7174% | 596 |
| Efficiency ratio | 75.2615% | 1,454 |
| Assets per employee ($millions) | 6.4592% | 1,309 |
| Cash dividends to net income (ytd only)* | 50.2008% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,161 |
| Loan loss allowance to noncurrent loans | 1,047.4747% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 3,876 |
| Noncurrent loans to loans | 0.1196% | 4,054 |
| Net loans and leases to total assets | 72.3193% | 2,040 |
| Net loans and leases to deposits | 88.8662% | 1,719 |
| Net loans and leases to core deposits | 101.0805% | 1,481 |
| Total domestic deposits to total assets | 81.3800% | 3,685 |
| Equity capital to assets | 11.6174% | 2,410 |
| Core capital (leverage) ratio | 11.5074% | 2,105 |
| Tier 1 risk-based capital ratio | 15.2690% | 2,670 |
| Total risk-based capital ratio | 16.4894% | 2,616 |
| Memoranda: | ||
| Average total assets | $681,418,000 | 1,097 |
| Average earning assets | $648,134,200 | 1,066 |
| Average equity | $75,801,400 | 1,138 |
| Average total loans | $497,497,800 | 1,081 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 3,816 |
| Cost of funding earning assets | 1.4906% | 418 |
| Net interest margin | 2.7552% | 4,886 |
| Noninterest income to average assets | 0.5656% | 2,381 |
| Noninterest expense to average assets | 2.4005% | 3,682 |
| Loan and lease loss provision to assets | -0.0043% | 5,040 |
| Net operating income to assets | 0.5764% | 4,356 |
| Return on assets (ROA) | 0.5783% | 4,395 |
| Pretax return on assets | 0.7915% | 4,134 |
| Return on Equity (ROE) | 5.2565% | 4,252 |
| Retained earnings to average equity (ytd only) | 1.7036% | 4,361 |
| Net charge-offs to loans | 0.0054% | 3,200 |
| Credit loss provision to net charge-offs | -110.0000% | 4,086 |
| Earnings coverage of net charge-offs (x) | 200.7698% | 437 |
| Efficiency ratio | 75.3605% | 1,405 |
| Assets per employee ($millions) | 6.4591% | 1,292 |
| Cash dividends to net income (ytd only)* | 67.5905% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 2,156 |
| Loan loss allowance to noncurrent loans | 647.7812% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 3,662 |
| Noncurrent loans to loans | 0.1949% | 3,837 |
| Net loans and leases to total assets | 72.3920% | 2,114 |
| Net loans and leases to deposits | 87.7355% | 1,968 |
| Net loans and leases to core deposits | 100.8289% | 1,594 |
| Total domestic deposits to total assets | 82.5116% | 3,311 |
| Equity capital to assets | 11.5092% | 2,649 |
| Core capital (leverage) ratio | 11.2095% | 2,467 |
| Tier 1 risk-based capital ratio | 14.9446% | 2,872 |
| Total risk-based capital ratio | 16.1689% | 2,820 |
| Memoranda: | ||
| Average total assets | $682,218,500 | 1,093 |
| Average earning assets | $648,690,500 | 1,065 |
| Average equity | $75,054,000 | 1,146 |
| Average total loans | $497,696,500 | 1,087 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 3,919 |
| Cost of funding earning assets | 1.4777% | 406 |
| Net interest margin | 2.7259% | 4,982 |
| Noninterest income to average assets | 0.5351% | 2,473 |
| Noninterest expense to average assets | 2.3793% | 3,792 |
| Loan and lease loss provision to assets | 0.0094% | 3,558 |
| Net operating income to assets | 0.5396% | 4,446 |
| Return on assets (ROA) | 0.5422% | 4,472 |
| Pretax return on assets | 0.7394% | 4,240 |
| Return on Equity (ROE) | 5.0045% | 4,345 |
| Retained earnings to average equity (ytd only) | -0.3970% | 4,751 |
| Net charge-offs to loans | 0.0092% | 2,805 |
| Credit loss provision to net charge-offs | 139.1304% | 1,573 |
| Earnings coverage of net charge-offs (x) | 110.7826% | 647 |
| Efficiency ratio | 76.1423% | 1,379 |
| Assets per employee ($millions) | 7.0279% | 988 |
| Cash dividends to net income (ytd only)* | 107.9331% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 2,092 |
| Loan loss allowance to noncurrent loans | 828.2723% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 3,735 |
| Noncurrent loans to loans | 0.1546% | 3,986 |
| Net loans and leases to total assets | 67.3842% | 2,908 |
| Net loans and leases to deposits | 79.7242% | 2,986 |
| Net loans and leases to core deposits | 90.8440% | 2,529 |
| Total domestic deposits to total assets | 84.5217% | 2,676 |
| Equity capital to assets | 10.4881% | 3,525 |
| Core capital (leverage) ratio | 10.9555% | 2,638 |
| Tier 1 risk-based capital ratio | 15.0261% | 2,830 |
| Total risk-based capital ratio | 16.2762% | 2,752 |
| Memoranda: | ||
| Average total assets | $683,556,330 | 1,090 |
| Average earning assets | $649,408,000 | 1,065 |
| Average equity | $74,053,330 | 1,151 |
| Average total loans | $497,847,670 | 1,085 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2773% | 3,622 |
| Cost of funding earning assets | 1.4674% | 365 |
| Net interest margin | 2.8099% | 4,979 |
| Noninterest income to average assets | 0.4625% | 2,788 |
| Noninterest expense to average assets | 2.4094% | 3,749 |
| Loan and lease loss provision to assets | 0.0368% | 2,884 |
| Net operating income to assets | 0.4980% | 4,530 |
| Return on assets (ROA) | 0.4980% | 4,549 |
| Pretax return on assets | 0.6753% | 4,360 |
| Return on Equity (ROE) | 4.5186% | 4,464 |
| Retained earnings to average equity (ytd only) | -6.4223% | 4,988 |
| Net charge-offs to loans | 0.0016% | 2,706 |
| Credit loss provision to net charge-offs | 3,050.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 590.5000% | 123 |
| Efficiency ratio | 77.1876% | 1,362 |
| Assets per employee ($millions) | 6.2502% | 1,377 |
| Cash dividends to net income (ytd only)* | 242.1308% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 2,188 |
| Loan loss allowance to noncurrent loans | 624.0705% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 3,001 |
| Noncurrent loans to loans | 0.2049% | 3,852 |
| Net loans and leases to total assets | 74.3374% | 1,742 |
| Net loans and leases to deposits | 94.0954% | 1,167 |
| Net loans and leases to core deposits | 109.8670% | 935 |
| Total domestic deposits to total assets | 79.0022% | 4,349 |
| Equity capital to assets | 11.0959% | 2,749 |
| Core capital (leverage) ratio | 11.0929% | 2,487 |
| Tier 1 risk-based capital ratio | 14.6819% | 3,014 |
| Total risk-based capital ratio | 15.9320% | 2,941 |
| Memoranda: | ||
| Average total assets | $663,399,500 | 1,128 |
| Average earning assets | $627,784,500 | 1,099 |
| Average equity | $73,120,000 | 1,166 |
| Average total loans | $499,720,500 | 1,082 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1009% | 3,740 |
| Cost of funding earning assets | 1.2042% | 339 |
| Net interest margin | 2.8966% | 4,925 |
| Noninterest income to average assets | 0.6688% | 1,969 |
| Noninterest expense to average assets | 2.5931% | 3,359 |
| Loan and lease loss provision to assets | 0.1243% | 1,775 |
| Net operating income to assets | 0.5101% | 4,641 |
| Return on assets (ROA) | 0.5101% | 4,638 |
| Pretax return on assets | 0.6901% | 4,435 |
| Return on Equity (ROE) | 4.6229% | 4,554 |
| Retained earnings to average equity (ytd only) | 4.6229% | 2,980 |
| Net charge-offs to loans | 0.3321% | 580 |
| Credit loss provision to net charge-offs | 49.6867% | 3,199 |
| Earnings coverage of net charge-offs (x) | 3.2550% | 3,432 |
| Efficiency ratio | 76.0996% | 1,348 |
| Assets per employee ($millions) | 6.2667% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 2,239 |
| Loan loss allowance to noncurrent loans | 1,599.7468% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 2,600 |
| Noncurrent loans to loans | 0.0789% | 4,397 |
| Net loans and leases to total assets | 74.4030% | 1,864 |
| Net loans and leases to deposits | 99.2272% | 802 |
| Net loans and leases to core deposits | 115.9366% | 688 |
| Total domestic deposits to total assets | 74.9825% | 4,871 |
| Equity capital to assets | 10.9483% | 2,731 |
| Core capital (leverage) ratio | 11.3408% | 2,235 |
| Tier 1 risk-based capital ratio | 14.7654% | 2,938 |
| Total risk-based capital ratio | 16.0068% | 2,870 |
| Memoranda: | ||
| Average total assets | $637,890,800 | 1,143 |
| Average earning assets | $603,114,400 | 1,110 |
| Average equity | $70,388,200 | 1,155 |
| Average total loans | $480,645,200 | 1,087 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 3,831 |
| Cost of funding earning assets | 1.1299% | 352 |
| Net interest margin | 2.9048% | 4,967 |
| Noninterest income to average assets | 0.6809% | 1,934 |
| Noninterest expense to average assets | 2.5927% | 3,301 |
| Loan and lease loss provision to assets | 0.1383% | 1,448 |
| Net operating income to assets | 0.5162% | 4,726 |
| Return on assets (ROA) | 0.5162% | 4,726 |
| Pretax return on assets | 0.6982% | 4,539 |
| Return on Equity (ROE) | 4.6682% | 4,656 |
| Retained earnings to average equity (ytd only) | 4.6682% | 3,408 |
| Net charge-offs to loans | 0.4474% | 350 |
| Credit loss provision to net charge-offs | 41.0401% | 2,899 |
| Earnings coverage of net charge-offs (x) | 2.4818% | 3,241 |
| Efficiency ratio | 75.6051% | 1,397 |
| Assets per employee ($millions) | 6.3024% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 2,311 |
| Loan loss allowance to noncurrent loans | 1,461.2293% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.8287% | 1,789 |
| Noncurrent loans to loans | 0.0862% | 4,494 |
| Net loans and leases to total assets | 73.9127% | 1,997 |
| Net loans and leases to deposits | 96.7838% | 1,064 |
| Net loans and leases to core deposits | 111.3449% | 947 |
| Total domestic deposits to total assets | 76.3689% | 4,749 |
| Equity capital to assets | 10.6541% | 2,980 |
| Core capital (leverage) ratio | 11.3049% | 2,330 |
| Tier 1 risk-based capital ratio | 14.6408% | 3,050 |
| Total risk-based capital ratio | 15.8610% | 2,988 |
| Memoranda: | ||
| Average total assets | $631,295,000 | 1,158 |
| Average earning assets | $597,303,500 | 1,119 |
| Average equity | $69,803,500 | 1,159 |
| Average total loans | $475,666,750 | 1,095 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 3,946 |
| Cost of funding earning assets | 1.0385% | 388 |
| Net interest margin | 2.9043% | 5,009 |
| Noninterest income to average assets | 0.6242% | 2,209 |
| Noninterest expense to average assets | 2.5939% | 3,346 |
| Loan and lease loss provision to assets | 0.1341% | 1,471 |
| Net operating income to assets | 0.4852% | 4,778 |
| Return on assets (ROA) | 0.4852% | 4,782 |
| Pretax return on assets | 0.6514% | 4,637 |
| Return on Equity (ROE) | 4.3328% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.3328% | 3,432 |
| Net charge-offs to loans | 0.6778% | 215 |
| Credit loss provision to net charge-offs | 26.2069% | 2,647 |
| Earnings coverage of net charge-offs (x) | 1.5348% | 3,055 |
| Efficiency ratio | 76.7543% | 1,342 |
| Assets per employee ($millions) | 6.1435% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 2,542 |
| Loan loss allowance to noncurrent loans | 87.0425% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.1033% | 1,342 |
| Noncurrent loans to loans | 1.4158% | 1,195 |
| Net loans and leases to total assets | 74.5755% | 1,854 |
| Net loans and leases to deposits | 97.2819% | 1,016 |
| Net loans and leases to core deposits | 110.8441% | 946 |
| Total domestic deposits to total assets | 76.6592% | 4,776 |
| Equity capital to assets | 10.9473% | 2,686 |
| Core capital (leverage) ratio | 11.5069% | 2,072 |
| Tier 1 risk-based capital ratio | 14.8798% | 2,930 |
| Total risk-based capital ratio | 16.0907% | 2,878 |
| Memoranda: | ||
| Average total assets | $623,242,000 | 1,170 |
| Average earning assets | $591,263,000 | 1,135 |
| Average equity | $69,793,670 | 1,165 |
| Average total loans | $470,674,000 | 1,109 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8886% | 3,963 |
| Cost of funding earning assets | 0.9600% | 449 |
| Net interest margin | 2.9286% | 4,985 |
| Noninterest income to average assets | 0.5934% | 2,296 |
| Noninterest expense to average assets | 2.4524% | 3,806 |
| Loan and lease loss provision to assets | 0.0708% | 2,345 |
| Net operating income to assets | 0.6597% | 4,245 |
| Return on assets (ROA) | 0.6597% | 4,252 |
| Pretax return on assets | 0.8482% | 4,020 |
| Return on Equity (ROE) | 5.8235% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.8235% | 2,794 |
| Net charge-offs to loans | 1.3150% | 108 |
| Credit loss provision to net charge-offs | 7.1335% | 2,181 |
| Earnings coverage of net charge-offs (x) | 0.9254% | 2,604 |
| Efficiency ratio | 72.7395% | 2,083 |
| Assets per employee ($millions) | 6.1931% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 2,638 |
| Loan loss allowance to noncurrent loans | 71.3410% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.3436% | 1,098 |
| Noncurrent loans to loans | 1.7227% | 991 |
| Net loans and leases to total assets | 74.0085% | 1,852 |
| Net loans and leases to deposits | 93.5950% | 1,267 |
| Net loans and leases to core deposits | 107.1448% | 1,171 |
| Total domestic deposits to total assets | 79.0732% | 4,568 |
| Equity capital to assets | 11.2193% | 2,373 |
| Core capital (leverage) ratio | 11.6982% | 1,853 |
| Tier 1 risk-based capital ratio | 15.5961% | 2,631 |
| Total risk-based capital ratio | 16.8251% | 2,582 |
| Memoranda: | ||
| Average total assets | $615,401,500 | 1,191 |
| Average earning assets | $583,759,000 | 1,161 |
| Average equity | $69,718,000 | 1,175 |
| Average total loans | $464,798,500 | 1,129 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8465% | 3,896 |
| Cost of funding earning assets | 0.7487% | 827 |
| Net interest margin | 3.0977% | 4,696 |
| Noninterest income to average assets | 0.6613% | 2,133 |
| Noninterest expense to average assets | 2.5871% | 3,487 |
| Loan and lease loss provision to assets | 0.3434% | 469 |
| Net operating income to assets | 0.2030% | 5,101 |
| Return on assets (ROA) | 0.2889% | 4,963 |
| Pretax return on assets | 0.7995% | 4,245 |
| Return on Equity (ROE) | 2.4706% | 4,960 |
| Retained earnings to average equity (ytd only) | 2.4706% | 3,853 |
| Net charge-offs to loans | 0.0687% | 2,473 |
| Credit loss provision to net charge-offs | 656.0897% | 495 |
| Earnings coverage of net charge-offs (x) | 19.2724% | 2,028 |
| Efficiency ratio | 71.9477% | 2,235 |
| Assets per employee ($millions) | 6.1767% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5298% | 1,311 |
| Loan loss allowance to noncurrent loans | 75.2218% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.6286% | 809 |
| Noncurrent loans to loans | 2.0337% | 743 |
| Net loans and leases to total assets | 74.9690% | 1,756 |
| Net loans and leases to deposits | 96.8490% | 1,007 |
| Net loans and leases to core deposits | 111.8283% | 910 |
| Total domestic deposits to total assets | 77.4081% | 4,808 |
| Equity capital to assets | 11.4399% | 2,243 |
| Core capital (leverage) ratio | 11.5068% | 1,936 |
| Tier 1 risk-based capital ratio | 14.9214% | 2,882 |
| Total risk-based capital ratio | 16.1743% | 2,813 |
| Memoranda: | ||
| Average total assets | $596,104,800 | 1,203 |
| Average earning assets | $564,701,000 | 1,174 |
| Average equity | $69,699,200 | 1,140 |
| Average total loans | $454,249,600 | 1,117 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8156% | 3,953 |
| Cost of funding earning assets | 0.7070% | 931 |
| Net interest margin | 3.1086% | 4,687 |
| Noninterest income to average assets | 0.6675% | 2,135 |
| Noninterest expense to average assets | 2.4705% | 3,822 |
| Loan and lease loss provision to assets | 0.4719% | 257 |
| Net operating income to assets | 0.4300% | 4,928 |
| Return on assets (ROA) | 0.5452% | 4,627 |
| Pretax return on assets | 0.8492% | 4,211 |
| Return on Equity (ROE) | 4.6374% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.6374% | 3,120 |
| Net charge-offs to loans | 0.0718% | 2,101 |
| Credit loss provision to net charge-offs | 862.5514% | 410 |
| Earnings coverage of net charge-offs (x) | 20.8561% | 1,935 |
| Efficiency ratio | 68.4079% | 2,800 |
| Assets per employee ($millions) | 6.1819% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 1,433 |
| Loan loss allowance to noncurrent loans | 73.6446% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.6750% | 861 |
| Noncurrent loans to loans | 2.0777% | 807 |
| Net loans and leases to total assets | 76.1321% | 1,572 |
| Net loans and leases to deposits | 100.3161% | 722 |
| Net loans and leases to core deposits | 115.2608% | 777 |
| Total domestic deposits to total assets | 75.8922% | 5,029 |
| Equity capital to assets | 11.6327% | 2,248 |
| Core capital (leverage) ratio | 11.9179% | 1,746 |
| Tier 1 risk-based capital ratio | 15.1703% | 2,851 |
| Total risk-based capital ratio | 16.4237% | 2,780 |
| Memoranda: | ||
| Average total assets | $592,257,750 | 1,216 |
| Average earning assets | $560,872,750 | 1,191 |
| Average equity | $69,635,500 | 1,151 |
| Average total loans | $451,424,000 | 1,129 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8170% | 3,836 |
| Cost of funding earning assets | 0.6802% | 994 |
| Net interest margin | 3.1368% | 4,584 |
| Noninterest income to average assets | 0.6177% | 2,377 |
| Noninterest expense to average assets | 2.5021% | 3,742 |
| Loan and lease loss provision to assets | 0.5764% | 193 |
| Net operating income to assets | 0.3262% | 5,159 |
| Return on assets (ROA) | 0.4982% | 4,746 |
| Pretax return on assets | 0.7779% | 4,348 |
| Return on Equity (ROE) | 4.2219% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.2219% | 3,195 |
| Net charge-offs to loans | 0.1081% | 1,552 |
| Credit loss provision to net charge-offs | 703.3333% | 499 |
| Earnings coverage of net charge-offs (x) | 13.2458% | 2,141 |
| Efficiency ratio | 69.7411% | 2,715 |
| Assets per employee ($millions) | 5.8551% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5285% | 1,486 |
| Loan loss allowance to noncurrent loans | 71.6532% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.7024% | 841 |
| Noncurrent loans to loans | 2.1333% | 771 |
| Net loans and leases to total assets | 75.2028% | 1,661 |
| Net loans and leases to deposits | 97.6415% | 925 |
| Net loans and leases to core deposits | 113.3107% | 831 |
| Total domestic deposits to total assets | 77.0193% | 4,954 |
| Equity capital to assets | 11.9618% | 1,956 |
| Core capital (leverage) ratio | 11.9618% | 1,651 |
| Tier 1 risk-based capital ratio | 15.6769% | 2,631 |
| Total risk-based capital ratio | 16.9301% | 2,566 |
| Memoranda: | ||
| Average total assets | $585,674,000 | 1,234 |
| Average earning assets | $554,521,330 | 1,202 |
| Average equity | $69,116,330 | 1,158 |
| Average total loans | $444,173,670 | 1,153 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7965% | 3,770 |
| Cost of funding earning assets | 0.6676% | 990 |
| Net interest margin | 3.1290% | 4,571 |
| Noninterest income to average assets | 0.5777% | 2,526 |
| Noninterest expense to average assets | 2.4850% | 3,853 |
| Loan and lease loss provision to assets | 0.1311% | 1,460 |
| Net operating income to assets | 0.5859% | 4,214 |
| Return on assets (ROA) | 0.5859% | 4,260 |
| Pretax return on assets | 0.9192% | 3,694 |
| Return on Equity (ROE) | 4.9989% | 4,389 |
| Retained earnings to average equity (ytd only) | 4.9989% | 2,895 |
| Net charge-offs to loans | 0.1925% | 895 |
| Credit loss provision to net charge-offs | 90.1408% | 1,688 |
| Earnings coverage of net charge-offs (x) | 7.2207% | 2,156 |
| Efficiency ratio | 70.2917% | 2,839 |
| Assets per employee ($millions) | 5.9144% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 3,068 |
| Loan loss allowance to noncurrent loans | 276.1709% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 3,785 |
| Noncurrent loans to loans | 0.4383% | 3,525 |
| Net loans and leases to total assets | 74.0473% | 1,728 |
| Net loans and leases to deposits | 97.6566% | 798 |
| Net loans and leases to core deposits | 114.2797% | 658 |
| Total domestic deposits to total assets | 75.8241% | 5,248 |
| Equity capital to assets | 11.7124% | 2,027 |
| Core capital (leverage) ratio | 11.9337% | 1,674 |
| Tier 1 risk-based capital ratio | 15.7387% | 2,647 |
| Total risk-based capital ratio | 16.9515% | 2,604 |
| Memoranda: | ||
| Average total assets | $585,754,500 | 1,230 |
| Average earning assets | $553,662,500 | 1,201 |
| Average equity | $68,655,500 | 1,157 |
| Average total loans | $442,682,000 | 1,153 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8522% | 3,732 |
| Cost of funding earning assets | 0.6628% | 993 |
| Net interest margin | 3.1894% | 4,478 |
| Noninterest income to average assets | 0.6302% | 2,505 |
| Noninterest expense to average assets | 2.4138% | 4,270 |
| Loan and lease loss provision to assets | 0.0880% | 2,602 |
| Net operating income to assets | 0.7294% | 3,642 |
| Return on assets (ROA) | 0.7773% | 3,522 |
| Pretax return on assets | 1.2318% | 2,545 |
| Return on Equity (ROE) | 6.6545% | 3,665 |
| Retained earnings to average equity (ytd only) | 0.7656% | 5,017 |
| Net charge-offs to loans | 0.0399% | 3,227 |
| Credit loss provision to net charge-offs | 292.5714% | 1,006 |
| Earnings coverage of net charge-offs (x) | 41.3714% | 1,150 |
| Efficiency ratio | 65.9726% | 3,592 |
| Assets per employee ($millions) | 5.9801% | 1,498 |
| Cash dividends to net income (ytd only)* | 88.4956% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 3,006 |
| Loan loss allowance to noncurrent loans | 265.6312% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 3,505 |
| Noncurrent loans to loans | 0.4588% | 3,512 |
| Net loans and leases to total assets | 75.2782% | 1,639 |
| Net loans and leases to deposits | 99.5062% | 700 |
| Net loans and leases to core deposits | 118.6451% | 521 |
| Total domestic deposits to total assets | 75.6518% | 5,277 |
| Equity capital to assets | 11.7295% | 1,989 |
| Core capital (leverage) ratio | 11.6962% | 1,793 |
| Tier 1 risk-based capital ratio | 15.7441% | 2,652 |
| Total risk-based capital ratio | 16.9800% | 2,583 |
| Memoranda: | ||
| Average total assets | $581,524,400 | 1,202 |
| Average earning assets | $552,196,800 | 1,166 |
| Average equity | $67,923,800 | 1,151 |
| Average total loans | $438,055,200 | 1,116 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8447% | 3,782 |
| Cost of funding earning assets | 0.6650% | 977 |
| Net interest margin | 3.1797% | 4,543 |
| Noninterest income to average assets | 0.6063% | 2,632 |
| Noninterest expense to average assets | 2.3912% | 4,307 |
| Loan and lease loss provision to assets | 0.1276% | 1,834 |
| Net operating income to assets | 0.6988% | 3,853 |
| Return on assets (ROA) | 0.7626% | 3,680 |
| Pretax return on assets | 1.2066% | 2,807 |
| Return on Equity (ROE) | 6.5354% | 3,816 |
| Retained earnings to average equity (ytd only) | -1.3197% | 5,532 |
| Net charge-offs to loans | 0.0494% | 2,668 |
| Credit loss provision to net charge-offs | 343.8272% | 939 |
| Earnings coverage of net charge-offs (x) | 33.2600% | 1,395 |
| Efficiency ratio | 65.9505% | 3,600 |
| Assets per employee ($millions) | 6.1942% | 1,298 |
| Cash dividends to net income (ytd only)* | 120.1924% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 3,110 |
| Loan loss allowance to noncurrent loans | 214.7929% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 3,553 |
| Noncurrent loans to loans | 0.5692% | 3,293 |
| Net loans and leases to total assets | 74.7608% | 1,746 |
| Net loans and leases to deposits | 100.8873% | 645 |
| Net loans and leases to core deposits | 121.0327% | 476 |
| Total domestic deposits to total assets | 74.1033% | 5,425 |
| Equity capital to assets | 11.7294% | 2,315 |
| Core capital (leverage) ratio | 11.3589% | 2,149 |
| Tier 1 risk-based capital ratio | 15.4517% | 2,849 |
| Total risk-based capital ratio | 16.7015% | 2,784 |
| Memoranda: | ||
| Average total assets | $581,888,500 | 1,205 |
| Average earning assets | $552,569,750 | 1,167 |
| Average equity | $67,895,000 | 1,160 |
| Average total loans | $437,056,000 | 1,116 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8218% | 3,881 |
| Cost of funding earning assets | 0.6621% | 980 |
| Net interest margin | 3.1597% | 4,670 |
| Noninterest income to average assets | 0.5644% | 2,826 |
| Noninterest expense to average assets | 2.4067% | 4,312 |
| Loan and lease loss provision to assets | 0.1653% | 1,357 |
| Net operating income to assets | 0.6288% | 4,148 |
| Return on assets (ROA) | 0.6990% | 3,951 |
| Pretax return on assets | 1.1019% | 3,190 |
| Return on Equity (ROE) | 6.0012% | 4,048 |
| Retained earnings to average equity (ytd only) | -5.8472% | 5,781 |
| Net charge-offs to loans | 0.0820% | 2,031 |
| Credit loss provision to net charge-offs | 269.1011% | 1,049 |
| Earnings coverage of net charge-offs (x) | 18.8483% | 1,804 |
| Efficiency ratio | 67.5249% | 3,444 |
| Assets per employee ($millions) | 6.2666% | 1,216 |
| Cash dividends to net income (ytd only)* | 197.4334% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 3,415 |
| Loan loss allowance to noncurrent loans | 244.4495% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 3,805 |
| Noncurrent loans to loans | 0.4874% | 3,628 |
| Net loans and leases to total assets | 74.5380% | 1,722 |
| Net loans and leases to deposits | 99.2063% | 764 |
| Net loans and leases to core deposits | 120.7744% | 495 |
| Total domestic deposits to total assets | 75.1343% | 5,394 |
| Equity capital to assets | 11.4217% | 2,625 |
| Core capital (leverage) ratio | 11.0895% | 2,333 |
| Tier 1 risk-based capital ratio | 14.9109% | 3,113 |
| Total risk-based capital ratio | 16.1234% | 3,067 |
| Memoranda: | ||
| Average total assets | $579,703,000 | 1,213 |
| Average earning assets | $550,363,000 | 1,181 |
| Average equity | $67,519,670 | 1,165 |
| Average total loans | $434,284,330 | 1,128 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8007% | 3,937 |
| Cost of funding earning assets | 0.6342% | 1,127 |
| Net interest margin | 3.1665% | 4,686 |
| Noninterest income to average assets | 0.5672% | 2,698 |
| Noninterest expense to average assets | 2.4131% | 4,329 |
| Loan and lease loss provision to assets | 0.1784% | 1,135 |
| Net operating income to assets | 0.6193% | 4,098 |
| Return on assets (ROA) | 0.6708% | 3,993 |
| Pretax return on assets | 1.0561% | 3,252 |
| Return on Equity (ROE) | 5.7015% | 4,136 |
| Retained earnings to average equity (ytd only) | -18.0794% | 5,948 |
| Net charge-offs to loans | 0.0487% | 2,064 |
| Credit loss provision to net charge-offs | 490.3846% | 627 |
| Earnings coverage of net charge-offs (x) | 31.7308% | 1,150 |
| Efficiency ratio | 67.6471% | 3,521 |
| Assets per employee ($millions) | 6.2116% | 1,264 |
| Cash dividends to net income (ytd only)* | 417.1011% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 3,433 |
| Loan loss allowance to noncurrent loans | 165.0849% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 3,337 |
| Noncurrent loans to loans | 0.7317% | 3,006 |
| Net loans and leases to total assets | 73.5771% | 1,803 |
| Net loans and leases to deposits | 98.8466% | 698 |
| Net loans and leases to core deposits | 120.0513% | 464 |
| Total domestic deposits to total assets | 74.4356% | 5,574 |
| Equity capital to assets | 11.3546% | 2,575 |
| Core capital (leverage) ratio | 11.3362% | 2,107 |
| Tier 1 risk-based capital ratio | 14.6289% | 3,325 |
| Total risk-based capital ratio | 15.8190% | 3,296 |
| Memoranda: | ||
| Average total assets | $571,889,000 | 1,228 |
| Average earning assets | $541,801,000 | 1,201 |
| Average equity | $67,281,000 | 1,165 |
| Average total loans | $426,877,000 | 1,142 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6895% | 4,396 |
| Cost of funding earning assets | 0.6160% | 1,270 |
| Net interest margin | 3.0735% | 4,967 |
| Noninterest income to average assets | 0.6285% | 2,569 |
| Noninterest expense to average assets | 2.4685% | 4,326 |
| Loan and lease loss provision to assets | 0.1990% | 1,084 |
| Net operating income to assets | 0.5545% | 4,477 |
| Return on assets (ROA) | 0.5912% | 4,413 |
| Pretax return on assets | 0.9197% | 3,765 |
| Return on Equity (ROE) | 4.9021% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.9021% | 2,495 |
| Net charge-offs to loans | 0.0521% | 3,155 |
| Credit loss provision to net charge-offs | 570.1031% | 587 |
| Earnings coverage of net charge-offs (x) | 30.4072% | 1,444 |
| Efficiency ratio | 69.9322% | 3,235 |
| Assets per employee ($millions) | 5.8321% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 3,449 |
| Loan loss allowance to noncurrent loans | 146.2073% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.6498% | 3,101 |
| Noncurrent loans to loans | 0.8246% | 2,727 |
| Net loans and leases to total assets | 73.9151% | 1,747 |
| Net loans and leases to deposits | 99.3070% | 732 |
| Net loans and leases to core deposits | 120.3269% | 469 |
| Total domestic deposits to total assets | 74.4310% | 5,605 |
| Equity capital to assets | 12.1923% | 1,818 |
| Core capital (leverage) ratio | 12.2625% | 1,473 |
| Tier 1 risk-based capital ratio | 16.2383% | 2,590 |
| Total risk-based capital ratio | 17.4538% | 2,561 |
| Memoranda: | ||
| Average total assets | $555,808,400 | 1,225 |
| Average earning assets | $524,673,000 | 1,204 |
| Average equity | $67,033,000 | 1,131 |
| Average total loans | $372,459,400 | 1,224 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6767% | 4,497 |
| Cost of funding earning assets | 0.6218% | 1,263 |
| Net interest margin | 3.0549% | 5,063 |
| Noninterest income to average assets | 0.6205% | 2,632 |
| Noninterest expense to average assets | 2.4335% | 4,406 |
| Loan and lease loss provision to assets | 0.1680% | 1,255 |
| Net operating income to assets | 0.5763% | 4,498 |
| Return on assets (ROA) | 0.6020% | 4,482 |
| Pretax return on assets | 0.9365% | 3,858 |
| Return on Equity (ROE) | 5.0055% | 4,622 |
| Retained earnings to average equity (ytd only) | 5.0055% | 2,911 |
| Net charge-offs to loans | 0.0628% | 2,691 |
| Credit loss provision to net charge-offs | 411.1765% | 746 |
| Earnings coverage of net charge-offs (x) | 26.0531% | 1,629 |
| Efficiency ratio | 69.5706% | 3,277 |
| Assets per employee ($millions) | 5.6321% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 3,744 |
| Loan loss allowance to noncurrent loans | 150.1126% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 3,595 |
| Noncurrent loans to loans | 0.7890% | 2,993 |
| Net loans and leases to total assets | 69.8312% | 2,413 |
| Net loans and leases to deposits | 93.0322% | 1,301 |
| Net loans and leases to core deposits | 113.4491% | 692 |
| Total domestic deposits to total assets | 75.0613% | 5,621 |
| Equity capital to assets | 12.2416% | 1,916 |
| Core capital (leverage) ratio | 11.9557% | 1,696 |
| Tier 1 risk-based capital ratio | 17.3739% | 2,225 |
| Total risk-based capital ratio | 18.5944% | 2,190 |
| Memoranda: | ||
| Average total assets | $554,789,500 | 1,234 |
| Average earning assets | $522,554,750 | 1,211 |
| Average equity | $66,725,500 | 1,141 |
| Average total loans | $360,852,000 | 1,259 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6417% | 4,602 |
| Cost of funding earning assets | 0.6274% | 1,245 |
| Net interest margin | 3.0143% | 5,188 |
| Noninterest income to average assets | 0.5973% | 2,757 |
| Noninterest expense to average assets | 2.4060% | 4,527 |
| Loan and lease loss provision to assets | 0.0791% | 2,531 |
| Net operating income to assets | 0.6103% | 4,290 |
| Return on assets (ROA) | 0.6142% | 4,398 |
| Pretax return on assets | 0.9584% | 3,744 |
| Return on Equity (ROE) | 5.1378% | 4,555 |
| Retained earnings to average equity (ytd only) | 5.1378% | 2,772 |
| Net charge-offs to loans | 0.0835% | 2,210 |
| Credit loss provision to net charge-offs | 150.0000% | 1,529 |
| Earnings coverage of net charge-offs (x) | 19.5616% | 1,743 |
| Efficiency ratio | 69.9968% | 3,329 |
| Assets per employee ($millions) | 5.7467% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 3,984 |
| Loan loss allowance to noncurrent loans | 137.3003% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5535% | 3,763 |
| Noncurrent loans to loans | 0.8510% | 3,001 |
| Net loans and leases to total assets | 63.2478% | 3,379 |
| Net loans and leases to deposits | 83.4751% | 2,385 |
| Net loans and leases to core deposits | 100.9397% | 1,413 |
| Total domestic deposits to total assets | 75.7685% | 5,622 |
| Equity capital to assets | 11.8055% | 2,160 |
| Core capital (leverage) ratio | 11.9273% | 1,702 |
| Tier 1 risk-based capital ratio | 18.1641% | 2,021 |
| Total risk-based capital ratio | 19.3321% | 2,000 |
| Memoranda: | ||
| Average total assets | $553,860,670 | 1,240 |
| Average earning assets | $521,838,000 | 1,222 |
| Average equity | $66,215,330 | 1,156 |
| Average total loans | $349,793,000 | 1,297 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6449% | 4,550 |
| Cost of funding earning assets | 0.6309% | 1,226 |
| Net interest margin | 3.0140% | 5,178 |
| Noninterest income to average assets | 0.5783% | 2,783 |
| Noninterest expense to average assets | 2.4027% | 4,585 |
| Loan and lease loss provision to assets | 0.0131% | 3,554 |
| Net operating income to assets | 0.6594% | 4,010 |
| Return on assets (ROA) | 0.6599% | 4,130 |
| Pretax return on assets | 1.0058% | 3,475 |
| Return on Equity (ROE) | 5.4842% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.4842% | 2,789 |
| Net charge-offs to loans | 0.0523% | 2,257 |
| Credit loss provision to net charge-offs | 40.0000% | 2,184 |
| Earnings coverage of net charge-offs (x) | 31.0667% | 1,128 |
| Efficiency ratio | 70.2363% | 3,444 |
| Assets per employee ($millions) | 5.7208% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 3,978 |
| Loan loss allowance to noncurrent loans | 126.0656% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 3,506 |
| Noncurrent loans to loans | 0.9522% | 2,871 |
| Net loans and leases to total assets | 61.6107% | 3,431 |
| Net loans and leases to deposits | 78.7709% | 2,707 |
| Net loans and leases to core deposits | 98.2240% | 1,455 |
| Total domestic deposits to total assets | 78.2151% | 5,408 |
| Equity capital to assets | 12.1894% | 1,901 |
| Core capital (leverage) ratio | 11.7992% | 1,779 |
| Tier 1 risk-based capital ratio | 19.6320% | 1,704 |
| Total risk-based capital ratio | 20.8822% | 1,668 |
| Memoranda: | ||
| Average total assets | $549,205,000 | 1,254 |
| Average earning assets | $517,989,000 | 1,232 |
| Average equity | $66,080,500 | 1,161 |
| Average total loans | $344,487,000 | 1,314 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6292% | 5,002 |
| Cost of funding earning assets | 0.6372% | 1,498 |
| Net interest margin | 2.9920% | 5,463 |
| Noninterest income to average assets | 0.5558% | 3,142 |
| Noninterest expense to average assets | 2.3076% | 5,097 |
| Loan and lease loss provision to assets | 0.0930% | 2,607 |
| Net operating income to assets | 0.6274% | 4,245 |
| Return on assets (ROA) | 0.6204% | 4,380 |
| Pretax return on assets | 0.9632% | 3,634 |
| Return on Equity (ROE) | 5.2404% | 4,537 |
| Retained earnings to average equity (ytd only) | 5.2404% | 2,439 |
| Net charge-offs to loans | 0.0854% | 3,278 |
| Credit loss provision to net charge-offs | 181.1189% | 1,343 |
| Earnings coverage of net charge-offs (x) | 20.7797% | 1,710 |
| Efficiency ratio | 68.3765% | 3,829 |
| Assets per employee ($millions) | 6.0353% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 4,035 |
| Loan loss allowance to noncurrent loans | 108.4097% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7740% | 3,278 |
| Noncurrent loans to loans | 1.1016% | 2,625 |
| Net loans and leases to total assets | 62.3366% | 3,460 |
| Net loans and leases to deposits | 81.3222% | 2,565 |
| Net loans and leases to core deposits | 101.7923% | 1,259 |
| Total domestic deposits to total assets | 76.6538% | 5,650 |
| Equity capital to assets | 11.8746% | 2,111 |
| Core capital (leverage) ratio | 11.5934% | 1,907 |
| Tier 1 risk-based capital ratio | 19.1546% | 1,800 |
| Total risk-based capital ratio | 20.4034% | 1,773 |
| Memoranda: | ||
| Average total assets | $556,864,800 | 1,201 |
| Average earning assets | $524,661,800 | 1,163 |
| Average equity | $65,929,800 | 1,114 |
| Average total loans | $334,783,600 | 1,301 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 5,073 |
| Cost of funding earning assets | 0.6316% | 1,587 |
| Net interest margin | 2.9970% | 5,511 |
| Noninterest income to average assets | 0.5626% | 3,117 |
| Noninterest expense to average assets | 2.2997% | 5,104 |
| Loan and lease loss provision to assets | 0.0907% | 2,543 |
| Net operating income to assets | 0.6422% | 4,249 |
| Return on assets (ROA) | 0.6242% | 4,431 |
| Pretax return on assets | 0.9678% | 3,726 |
| Return on Equity (ROE) | 5.2761% | 4,593 |
| Retained earnings to average equity (ytd only) | 5.2761% | 2,900 |
| Net charge-offs to loans | 0.1000% | 2,800 |
| Credit loss provision to net charge-offs | 152.6104% | 1,560 |
| Earnings coverage of net charge-offs (x) | 18.2893% | 1,852 |
| Efficiency ratio | 67.9115% | 3,870 |
| Assets per employee ($millions) | 5.8637% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 4,219 |
| Loan loss allowance to noncurrent loans | 116.3065% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.7550% | 3,546 |
| Noncurrent loans to loans | 1.0322% | 3,008 |
| Net loans and leases to total assets | 61.5891% | 3,549 |
| Net loans and leases to deposits | 79.6179% | 2,755 |
| Net loans and leases to core deposits | 100.3698% | 1,334 |
| Total domestic deposits to total assets | 77.3559% | 5,622 |
| Equity capital to assets | 12.6133% | 1,630 |
| Core capital (leverage) ratio | 12.5221% | 1,388 |
| Tier 1 risk-based capital ratio | 20.9264% | 1,467 |
| Total risk-based capital ratio | 22.1764% | 1,445 |
| Memoranda: | ||
| Average total assets | $558,778,000 | 1,196 |
| Average earning assets | $526,460,750 | 1,161 |
| Average equity | $66,108,000 | 1,119 |
| Average total loans | $331,855,000 | 1,320 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6183% | 5,095 |
| Cost of funding earning assets | 0.6165% | 1,763 |
| Net interest margin | 3.0017% | 5,517 |
| Noninterest income to average assets | 0.5340% | 3,244 |
| Noninterest expense to average assets | 2.2466% | 5,298 |
| Loan and lease loss provision to assets | 0.0977% | 2,401 |
| Net operating income to assets | 0.6599% | 4,044 |
| Return on assets (ROA) | 0.6553% | 4,163 |
| Pretax return on assets | 1.0148% | 3,424 |
| Return on Equity (ROE) | 5.6582% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.6582% | 2,534 |
| Net charge-offs to loans | 0.1356% | 2,314 |
| Credit loss provision to net charge-offs | 123.2143% | 1,689 |
| Earnings coverage of net charge-offs (x) | 14.1250% | 1,932 |
| Efficiency ratio | 66.7403% | 4,235 |
| Assets per employee ($millions) | 5.7964% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 4,492 |
| Loan loss allowance to noncurrent loans | 143.0947% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5815% | 4,240 |
| Noncurrent loans to loans | 0.8284% | 3,633 |
| Net loans and leases to total assets | 59.9146% | 3,728 |
| Net loans and leases to deposits | 79.3342% | 2,606 |
| Net loans and leases to core deposits | 96.8789% | 1,528 |
| Total domestic deposits to total assets | 75.5218% | 5,966 |
| Equity capital to assets | 12.2979% | 1,778 |
| Core capital (leverage) ratio | 12.1172% | 1,592 |
| Tier 1 risk-based capital ratio | 20.6671% | 1,517 |
| Total risk-based capital ratio | 21.8955% | 1,502 |
| Memoranda: | ||
| Average total assets | $565,216,000 | 1,176 |
| Average earning assets | $533,296,000 | 1,140 |
| Average equity | $65,462,670 | 1,117 |
| Average total loans | $330,377,330 | 1,319 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5611% | 5,269 |
| Cost of funding earning assets | 0.6044% | 1,938 |
| Net interest margin | 2.9568% | 5,635 |
| Noninterest income to average assets | 0.5233% | 3,243 |
| Noninterest expense to average assets | 2.2442% | 5,344 |
| Loan and lease loss provision to assets | 0.0985% | 2,279 |
| Net operating income to assets | 0.6382% | 4,004 |
| Return on assets (ROA) | 0.5939% | 4,304 |
| Pretax return on assets | 0.9062% | 3,676 |
| Return on Equity (ROE) | 5.2849% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.2849% | 2,931 |
| Net charge-offs to loans | 0.1534% | 1,801 |
| Credit loss provision to net charge-offs | 111.9048% | 1,534 |
| Earnings coverage of net charge-offs (x) | 12.1746% | 1,734 |
| Efficiency ratio | 67.6780% | 4,229 |
| Assets per employee ($millions) | 6.1445% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 4,712 |
| Loan loss allowance to noncurrent loans | 134.7886% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.5655% | 4,454 |
| Noncurrent loans to loans | 0.8785% | 3,692 |
| Net loans and leases to total assets | 56.6522% | 4,057 |
| Net loans and leases to deposits | 78.5003% | 2,486 |
| Net loans and leases to core deposits | 97.2225% | 1,298 |
| Total domestic deposits to total assets | 72.1681% | 6,348 |
| Equity capital to assets | 11.3707% | 2,358 |
| Core capital (leverage) ratio | 11.3341% | 2,105 |
| Tier 1 risk-based capital ratio | 20.2347% | 1,665 |
| Total risk-based capital ratio | 21.4472% | 1,643 |
| Memoranda: | ||
| Average total assets | $572,495,500 | 1,162 |
| Average earning assets | $540,724,500 | 1,130 |
| Average equity | $64,334,500 | 1,133 |
| Average total loans | $328,625,000 | 1,329 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5385% | 5,565 |
| Cost of funding earning assets | 0.6200% | 2,481 |
| Net interest margin | 2.9185% | 5,753 |
| Noninterest income to average assets | 0.6010% | 3,094 |
| Noninterest expense to average assets | 2.3085% | 5,357 |
| Loan and lease loss provision to assets | 0.0575% | 3,993 |
| Net operating income to assets | 0.6442% | 4,059 |
| Return on assets (ROA) | 0.6504% | 4,138 |
| Pretax return on assets | 1.0027% | 3,336 |
| Return on Equity (ROE) | 5.5521% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.5521% | 2,246 |
| Net charge-offs to loans | 0.1199% | 3,611 |
| Credit loss provision to net charge-offs | 84.1398% | 2,924 |
| Earnings coverage of net charge-offs (x) | 15.3763% | 1,871 |
| Efficiency ratio | 68.7244% | 4,059 |
| Assets per employee ($millions) | 6.1012% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 4,670 |
| Loan loss allowance to noncurrent loans | 106.2857% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6923% | 4,176 |
| Noncurrent loans to loans | 1.1269% | 3,286 |
| Net loans and leases to total assets | 56.7862% | 4,220 |
| Net loans and leases to deposits | 80.3314% | 2,416 |
| Net loans and leases to core deposits | 99.3075% | 1,210 |
| Total domestic deposits to total assets | 70.6899% | 6,494 |
| Equity capital to assets | 11.1020% | 2,525 |
| Core capital (leverage) ratio | 11.3305% | 2,087 |
| Tier 1 risk-based capital ratio | 20.0758% | 1,637 |
| Total risk-based capital ratio | 21.2924% | 1,615 |
| Memoranda: | ||
| Average total assets | $544,456,800 | 1,219 |
| Average earning assets | $514,542,400 | 1,178 |
| Average equity | $63,777,200 | 1,123 |
| Average total loans | $310,192,000 | 1,366 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5237% | 5,632 |
| Cost of funding earning assets | 0.6222% | 2,629 |
| Net interest margin | 2.9016% | 5,814 |
| Noninterest income to average assets | 0.6331% | 2,971 |
| Noninterest expense to average assets | 2.3349% | 5,230 |
| Loan and lease loss provision to assets | 0.0661% | 3,734 |
| Net operating income to assets | 0.6320% | 4,205 |
| Return on assets (ROA) | 0.6474% | 4,257 |
| Pretax return on assets | 0.9949% | 3,520 |
| Return on Equity (ROE) | 5.4522% | 4,493 |
| Retained earnings to average equity (ytd only) | 5.4522% | 2,755 |
| Net charge-offs to loans | 0.1154% | 3,393 |
| Credit loss provision to net charge-offs | 100.7547% | 2,321 |
| Earnings coverage of net charge-offs (x) | 15.8153% | 1,839 |
| Efficiency ratio | 69.2404% | 3,884 |
| Assets per employee ($millions) | 5.9245% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 4,730 |
| Loan loss allowance to noncurrent loans | 91.3424% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.8510% | 3,990 |
| Noncurrent loans to loans | 1.3496% | 3,163 |
| Net loans and leases to total assets | 58.9525% | 3,862 |
| Net loans and leases to deposits | 80.1491% | 2,384 |
| Net loans and leases to core deposits | 98.2473% | 1,227 |
| Total domestic deposits to total assets | 73.5535% | 6,399 |
| Equity capital to assets | 11.6706% | 2,153 |
| Core capital (leverage) ratio | 11.7524% | 1,850 |
| Tier 1 risk-based capital ratio | 20.2790% | 1,661 |
| Total risk-based capital ratio | 21.5293% | 1,635 |
| Memoranda: | ||
| Average total assets | $538,718,750 | 1,250 |
| Average earning assets | $508,539,000 | 1,206 |
| Average equity | $63,973,000 | 1,137 |
| Average total loans | $306,211,000 | 1,384 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4968% | 5,702 |
| Cost of funding earning assets | 0.6181% | 2,785 |
| Net interest margin | 2.8788% | 5,832 |
| Noninterest income to average assets | 0.6666% | 2,813 |
| Noninterest expense to average assets | 2.3187% | 5,304 |
| Loan and lease loss provision to assets | 0.0327% | 4,281 |
| Net operating income to assets | 0.6622% | 4,010 |
| Return on assets (ROA) | 0.6992% | 3,985 |
| Pretax return on assets | 1.0921% | 3,122 |
| Return on Equity (ROE) | 5.8547% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.8547% | 2,515 |
| Net charge-offs to loans | 0.0764% | 3,620 |
| Credit loss provision to net charge-offs | 76.5217% | 2,698 |
| Earnings coverage of net charge-offs (x) | 24.9826% | 1,278 |
| Efficiency ratio | 68.4874% | 4,101 |
| Assets per employee ($millions) | 5.9412% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 4,828 |
| Loan loss allowance to noncurrent loans | 91.1363% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.8663% | 4,077 |
| Noncurrent loans to loans | 1.3515% | 3,293 |
| Net loans and leases to total assets | 57.7715% | 4,026 |
| Net loans and leases to deposits | 81.5659% | 2,106 |
| Net loans and leases to core deposits | 96.1038% | 1,346 |
| Total domestic deposits to total assets | 70.8280% | 6,625 |
| Equity capital to assets | 11.3935% | 2,384 |
| Core capital (leverage) ratio | 11.4478% | 1,981 |
| Tier 1 risk-based capital ratio | 20.3045% | 1,652 |
| Total risk-based capital ratio | 21.5550% | 1,628 |
| Memoranda: | ||
| Average total assets | $538,583,000 | 1,245 |
| Average earning assets | $508,687,330 | 1,208 |
| Average equity | $64,324,330 | 1,131 |
| Average total loans | $301,016,330 | 1,399 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4921% | 5,725 |
| Cost of funding earning assets | 0.6229% | 2,896 |
| Net interest margin | 2.8692% | 5,869 |
| Noninterest income to average assets | 0.6517% | 2,871 |
| Noninterest expense to average assets | 2.2672% | 5,512 |
| Loan and lease loss provision to assets | 0.0337% | 4,024 |
| Net operating income to assets | 0.6749% | 3,818 |
| Return on assets (ROA) | 0.7041% | 3,806 |
| Pretax return on assets | 1.0984% | 2,953 |
| Return on Equity (ROE) | 5.7599% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.7599% | 2,808 |
| Net charge-offs to loans | 0.0329% | 3,572 |
| Credit loss provision to net charge-offs | 187.5000% | 1,145 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 591 |
| Efficiency ratio | 67.6037% | 4,388 |
| Assets per employee ($millions) | 5.8995% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 4,450 |
| Loan loss allowance to noncurrent loans | 57.6012% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 1.3858% | 3,190 |
| Noncurrent loans to loans | 2.3493% | 2,218 |
| Net loans and leases to total assets | 52.9608% | 4,564 |
| Net loans and leases to deposits | 74.9398% | 2,785 |
| Net loans and leases to core deposits | 86.8699% | 2,027 |
| Total domestic deposits to total assets | 70.6711% | 6,726 |
| Equity capital to assets | 11.8986% | 2,112 |
| Core capital (leverage) ratio | 11.3047% | 2,012 |
| Tier 1 risk-based capital ratio | 21.4203% | 1,445 |
| Total risk-based capital ratio | 22.6720% | 1,417 |
| Memoranda: | ||
| Average total assets | $534,578,000 | 1,267 |
| Average earning assets | $503,419,500 | 1,233 |
| Average equity | $65,348,500 | 1,129 |
| Average total loans | $291,668,000 | 1,448 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7134% | 6,022 |
| Cost of funding earning assets | 0.7274% | 3,273 |
| Net interest margin | 2.9860% | 6,078 |
| Noninterest income to average assets | 0.7100% | 2,672 |
| Noninterest expense to average assets | 2.3418% | 5,588 |
| Loan and lease loss provision to assets | 0.2577% | 2,587 |
| Net operating income to assets | 0.6152% | 4,167 |
| Return on assets (ROA) | 0.7185% | 3,908 |
| Pretax return on assets | 1.0999% | 3,158 |
| Return on Equity (ROE) | 5.6877% | 4,320 |
| Retained earnings to average equity (ytd only) | 5.6877% | 2,263 |
| Net charge-offs to loans | 0.1672% | 4,042 |
| Credit loss provision to net charge-offs | 294.3311% | 831 |
| Earnings coverage of net charge-offs (x) | 13.6893% | 1,800 |
| Efficiency ratio | 66.1451% | 4,473 |
| Assets per employee ($millions) | 5.6576% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 4,294 |
| Loan loss allowance to noncurrent loans | 59.4364% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 1.4903% | 3,150 |
| Noncurrent loans to loans | 2.3101% | 2,342 |
| Net loans and leases to total assets | 54.7190% | 4,504 |
| Net loans and leases to deposits | 76.6728% | 2,693 |
| Net loans and leases to core deposits | 85.8202% | 2,331 |
| Total domestic deposits to total assets | 71.3669% | 6,722 |
| Equity capital to assets | 12.5677% | 1,656 |
| Core capital (leverage) ratio | 11.7509% | 1,704 |
| Tier 1 risk-based capital ratio | 21.7749% | 1,308 |
| Total risk-based capital ratio | 23.0272% | 1,282 |
| Memoranda: | ||
| Average total assets | $503,671,400 | 1,322 |
| Average earning assets | $477,429,600 | 1,276 |
| Average equity | $63,628,000 | 1,110 |
| Average total loans | $263,764,400 | 1,571 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7705% | 6,086 |
| Cost of funding earning assets | 0.7463% | 3,379 |
| Net interest margin | 3.0242% | 6,116 |
| Noninterest income to average assets | 0.6890% | 2,763 |
| Noninterest expense to average assets | 2.3243% | 5,618 |
| Loan and lease loss provision to assets | 0.2384% | 2,664 |
| Net operating income to assets | 0.6502% | 4,139 |
| Return on assets (ROA) | 0.7725% | 3,843 |
| Pretax return on assets | 1.1866% | 3,032 |
| Return on Equity (ROE) | 6.1071% | 4,282 |
| Retained earnings to average equity (ytd only) | 6.1071% | 2,628 |
| Net charge-offs to loans | 0.1703% | 3,740 |
| Credit loss provision to net charge-offs | 271.4286% | 1,002 |
| Earnings coverage of net charge-offs (x) | 14.0819% | 1,860 |
| Efficiency ratio | 65.2699% | 4,578 |
| Assets per employee ($millions) | 5.5877% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 4,418 |
| Loan loss allowance to noncurrent loans | 62.3641% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.3687% | 3,557 |
| Noncurrent loans to loans | 2.2300% | 2,582 |
| Net loans and leases to total assets | 50.6483% | 5,229 |
| Net loans and leases to deposits | 71.6194% | 3,660 |
| Net loans and leases to core deposits | 79.8295% | 3,228 |
| Total domestic deposits to total assets | 70.7186% | 6,809 |
| Equity capital to assets | 12.7492% | 1,742 |
| Core capital (leverage) ratio | 11.7662% | 1,797 |
| Tier 1 risk-based capital ratio | 22.7143% | 1,217 |
| Total risk-based capital ratio | 23.9659% | 1,200 |
| Memoranda: | ||
| Average total assets | $499,463,500 | 1,355 |
| Average earning assets | $474,339,250 | 1,303 |
| Average equity | $63,181,250 | 1,134 |
| Average total loans | $257,510,750 | 1,618 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 6,095 |
| Cost of funding earning assets | 0.7739% | 3,412 |
| Net interest margin | 3.0456% | 6,134 |
| Noninterest income to average assets | 0.6709% | 2,827 |
| Noninterest expense to average assets | 2.2904% | 5,770 |
| Loan and lease loss provision to assets | 0.3199% | 2,066 |
| Net operating income to assets | 0.6394% | 4,169 |
| Return on assets (ROA) | 0.7016% | 4,126 |
| Pretax return on assets | 1.0607% | 3,459 |
| Return on Equity (ROE) | 5.5613% | 4,556 |
| Retained earnings to average equity (ytd only) | 5.5613% | 2,953 |
| Net charge-offs to loans | 0.2882% | 2,878 |
| Credit loss provision to net charge-offs | 214.9457% | 1,315 |
| Earnings coverage of net charge-offs (x) | 8.6440% | 2,264 |
| Efficiency ratio | 64.0362% | 4,896 |
| Assets per employee ($millions) | 5.5579% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 4,684 |
| Loan loss allowance to noncurrent loans | 65.7909% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.2976% | 3,830 |
| Noncurrent loans to loans | 2.0450% | 2,894 |
| Net loans and leases to total assets | 50.6346% | 5,274 |
| Net loans and leases to deposits | 71.2352% | 3,734 |
| Net loans and leases to core deposits | 77.6288% | 3,571 |
| Total domestic deposits to total assets | 71.0809% | 6,852 |
| Equity capital to assets | 12.4734% | 1,835 |
| Core capital (leverage) ratio | 11.5755% | 1,859 |
| Tier 1 risk-based capital ratio | 23.0429% | 1,126 |
| Total risk-based capital ratio | 24.2948% | 1,108 |
| Memoranda: | ||
| Average total assets | $494,594,330 | 1,365 |
| Average earning assets | $471,900,670 | 1,312 |
| Average equity | $62,395,000 | 1,140 |
| Average total loans | $255,334,330 | 1,632 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8855% | 6,047 |
| Cost of funding earning assets | 0.8236% | 3,288 |
| Net interest margin | 3.0619% | 6,155 |
| Noninterest income to average assets | 0.7157% | 2,573 |
| Noninterest expense to average assets | 2.2952% | 5,781 |
| Loan and lease loss provision to assets | 0.3233% | 1,943 |
| Net operating income to assets | 0.6476% | 4,130 |
| Return on assets (ROA) | 0.6976% | 4,109 |
| Pretax return on assets | 1.0900% | 3,364 |
| Return on Equity (ROE) | 5.4973% | 4,548 |
| Retained earnings to average equity (ytd only) | 5.4973% | 3,262 |
| Net charge-offs to loans | 0.2923% | 2,498 |
| Credit loss provision to net charge-offs | 213.5870% | 1,280 |
| Earnings coverage of net charge-offs (x) | 8.8207% | 1,919 |
| Efficiency ratio | 63.2223% | 5,065 |
| Assets per employee ($millions) | 5.4423% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 4,976 |
| Loan loss allowance to noncurrent loans | 52.4759% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 1.4046% | 3,764 |
| Noncurrent loans to loans | 2.4952% | 2,611 |
| Net loans and leases to total assets | 51.0415% | 5,145 |
| Net loans and leases to deposits | 69.0316% | 3,867 |
| Net loans and leases to core deposits | 75.3404% | 3,704 |
| Total domestic deposits to total assets | 73.9393% | 6,752 |
| Equity capital to assets | 12.6840% | 1,607 |
| Core capital (leverage) ratio | 11.8771% | 1,657 |
| Tier 1 risk-based capital ratio | 23.5874% | 1,056 |
| Total risk-based capital ratio | 24.8388% | 1,040 |
| Memoranda: | ||
| Average total assets | $486,226,500 | 1,388 |
| Average earning assets | $462,853,500 | 1,344 |
| Average equity | $61,702,500 | 1,148 |
| Average total loans | $251,781,000 | 1,647 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0415% | 6,381 |
| Cost of funding earning assets | 1.0053% | 3,339 |
| Net interest margin | 3.0362% | 6,473 |
| Noninterest income to average assets | 0.6743% | 2,761 |
| Noninterest expense to average assets | 2.4119% | 5,742 |
| Loan and lease loss provision to assets | 0.2318% | 3,884 |
| Net operating income to assets | 0.5756% | 4,116 |
| Return on assets (ROA) | 0.5997% | 4,191 |
| Pretax return on assets | 0.9290% | 3,519 |
| Return on Equity (ROE) | 5.8385% | 3,950 |
| Retained earnings to average equity (ytd only) | 5.8385% | 2,110 |
| Net charge-offs to loans | 0.3235% | 3,774 |
| Credit loss provision to net charge-offs | 134.1772% | 2,250 |
| Earnings coverage of net charge-offs (x) | 6.5051% | 2,502 |
| Efficiency ratio | 68.2189% | 4,310 |
| Assets per employee ($millions) | 5.4230% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 6,498 |
| Loan loss allowance to noncurrent loans | 38.8550% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 1.3857% | 3,920 |
| Noncurrent loans to loans | 2.3593% | 2,779 |
| Net loans and leases to total assets | 51.3722% | 5,408 |
| Net loans and leases to deposits | 70.3593% | 4,037 |
| Net loans and leases to core deposits | 76.8175% | 3,854 |
| Total domestic deposits to total assets | 73.0142% | 6,807 |
| Equity capital to assets | 12.6963% | 1,658 |
| Core capital (leverage) ratio | 11.9414% | 1,631 |
| Tier 1 risk-based capital ratio | 23.5120% | 1,026 |
| Total risk-based capital ratio | 24.4756% | 1,055 |
| Memoranda: | ||
| Average total assets | $457,357,400 | 1,436 |
| Average earning assets | $431,006,000 | 1,403 |
| Average equity | $46,981,600 | 1,447 |
| Average total loans | $244,223,200 | 1,713 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0463% | 6,512 |
| Cost of funding earning assets | 1.0421% | 3,371 |
| Net interest margin | 3.0042% | 6,575 |
| Noninterest income to average assets | 0.6740% | 2,744 |
| Noninterest expense to average assets | 2.4405% | 5,661 |
| Loan and lease loss provision to assets | 0.2557% | 3,461 |
| Net operating income to assets | 0.5247% | 4,438 |
| Return on assets (ROA) | 0.5114% | 4,685 |
| Pretax return on assets | 0.7857% | 4,182 |
| Return on Equity (ROE) | 5.3139% | 4,392 |
| Retained earnings to average equity (ytd only) | 5.3139% | 2,982 |
| Net charge-offs to loans | 0.3774% | 3,219 |
| Credit loss provision to net charge-offs | 125.9098% | 2,546 |
| Earnings coverage of net charge-offs (x) | 5.2285% | 2,843 |
| Efficiency ratio | 69.6826% | 4,005 |
| Assets per employee ($millions) | 5.4943% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 6,576 |
| Loan loss allowance to noncurrent loans | 37.2526% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 1.3768% | 4,063 |
| Noncurrent loans to loans | 2.4365% | 2,840 |
| Net loans and leases to total assets | 50.2934% | 5,675 |
| Net loans and leases to deposits | 68.6842% | 4,487 |
| Net loans and leases to core deposits | 75.2472% | 4,289 |
| Total domestic deposits to total assets | 73.2241% | 6,832 |
| Equity capital to assets | 12.6559% | 1,817 |
| Core capital (leverage) ratio | 11.8415% | 1,800 |
| Tier 1 risk-based capital ratio | 23.7365% | 1,044 |
| Total risk-based capital ratio | 24.6885% | 1,066 |
| Memoranda: | ||
| Average total assets | $451,035,250 | 1,466 |
| Average earning assets | $424,638,250 | 1,432 |
| Average equity | $43,407,500 | 1,561 |
| Average total loans | $242,719,000 | 1,738 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0288% | 6,618 |
| Cost of funding earning assets | 1.0857% | 3,347 |
| Net interest margin | 2.9431% | 6,708 |
| Noninterest income to average assets | 0.7465% | 2,273 |
| Noninterest expense to average assets | 2.2980% | 6,140 |
| Loan and lease loss provision to assets | 0.3285% | 2,817 |
| Net operating income to assets | 0.5683% | 4,218 |
| Return on assets (ROA) | 0.5339% | 4,503 |
| Pretax return on assets | 0.8357% | 3,883 |
| Return on Equity (ROE) | 6.2581% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.2581% | 2,265 |
| Net charge-offs to loans | 0.4630% | 2,729 |
| Credit loss provision to net charge-offs | 129.1815% | 2,362 |
| Earnings coverage of net charge-offs (x) | 4.7900% | 2,777 |
| Efficiency ratio | 65.3584% | 4,990 |
| Assets per employee ($millions) | 5.8837% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 6,645 |
| Loan loss allowance to noncurrent loans | 50.0572% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 0.9883% | 4,893 |
| Noncurrent loans to loans | 1.8036% | 3,751 |
| Net loans and leases to total assets | 46.8958% | 6,164 |
| Net loans and leases to deposits | 53.8040% | 6,319 |
| Net loans and leases to core deposits | 57.1964% | 6,333 |
| Total domestic deposits to total assets | 87.1604% | 2,648 |
| Equity capital to assets | 7.6779% | 6,866 |
| Core capital (leverage) ratio | 7.2964% | 6,865 |
| Tier 1 risk-based capital ratio | 15.6861% | 3,139 |
| Total risk-based capital ratio | 16.6309% | 3,261 |
| Memoranda: | ||
| Average total assets | $442,045,330 | 1,501 |
| Average earning assets | $415,959,330 | 1,460 |
| Average equity | $37,711,330 | 1,777 |
| Average total loans | $242,756,330 | 1,757 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 5,796 |
| Cost of funding earning assets | 1.2098% | 2,752 |
| Net interest margin | 3.1586% | 6,195 |
| Noninterest income to average assets | 0.8784% | 1,734 |
| Noninterest expense to average assets | 2.4356% | 5,778 |
| Loan and lease loss provision to assets | 0.2211% | 3,449 |
| Net operating income to assets | 0.7513% | 3,267 |
| Return on assets (ROA) | 0.7349% | 3,413 |
| Pretax return on assets | 1.1564% | 2,529 |
| Return on Equity (ROE) | 8.1049% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.1049% | 1,693 |
| Net charge-offs to loans | 0.0708% | 4,225 |
| Credit loss provision to net charge-offs | 523.2558% | 691 |
| Earnings coverage of net charge-offs (x) | 33.2093% | 779 |
| Efficiency ratio | 63.4502% | 5,449 |
| Assets per employee ($millions) | 4.7644% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9078% | 6,680 |
| Loan loss allowance to noncurrent loans | 65.3630% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 0.9350% | 5,018 |
| Noncurrent loans to loans | 1.3888% | 4,387 |
| Net loans and leases to total assets | 58.7704% | 4,504 |
| Net loans and leases to deposits | 70.5475% | 4,266 |
| Net loans and leases to core deposits | 76.6748% | 4,207 |
| Total domestic deposits to total assets | 83.3061% | 4,790 |
| Equity capital to assets | 9.1219% | 5,002 |
| Core capital (leverage) ratio | 8.9706% | 4,658 |
| Tier 1 risk-based capital ratio | 16.4139% | 2,702 |
| Total risk-based capital ratio | 17.4231% | 2,788 |
| Memoranda: | ||
| Average total assets | $407,126,000 | 1,625 |
| Average earning assets | $381,563,500 | 1,586 |
| Average equity | $36,916,000 | 1,802 |
| Average total loans | $243,015,000 | 1,771 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7173% | 5,746 |
| Cost of funding earning assets | 1.5734% | 2,224 |
| Net interest margin | 3.1439% | 6,403 |
| Noninterest income to average assets | 0.7980% | 2,298 |
| Noninterest expense to average assets | 2.4692% | 5,893 |
| Loan and lease loss provision to assets | 0.3857% | 3,801 |
| Net operating income to assets | 0.5629% | 3,837 |
| Return on assets (ROA) | 0.7550% | 3,102 |
| Pretax return on assets | 1.2042% | 2,216 |
| Return on Equity (ROE) | 8.1846% | 2,625 |
| Retained earnings to average equity (ytd only) | 8.1846% | 919 |
| Net charge-offs to loans | 0.3608% | 4,213 |
| Credit loss provision to net charge-offs | 178.2609% | 1,860 |
| Earnings coverage of net charge-offs (x) | 5.9612% | 2,478 |
| Efficiency ratio | 65.6905% | 5,027 |
| Assets per employee ($millions) | 4.7037% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 6,896 |
| Loan loss allowance to noncurrent loans | 56.8220% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 0.9718% | 5,064 |
| Noncurrent loans to loans | 1.4657% | 4,287 |
| Net loans and leases to total assets | 59.5765% | 4,751 |
| Net loans and leases to deposits | 72.0744% | 4,505 |
| Net loans and leases to core deposits | 77.7773% | 4,481 |
| Total domestic deposits to total assets | 82.6597% | 4,946 |
| Equity capital to assets | 9.0123% | 5,125 |
| Core capital (leverage) ratio | 8.8749% | 4,738 |
| Tier 1 risk-based capital ratio | 16.3739% | 2,581 |
| Total risk-based capital ratio | 17.3199% | 2,678 |
| Memoranda: | ||
| Average total assets | $393,358,600 | 1,674 |
| Average earning assets | $370,467,800 | 1,626 |
| Average equity | $36,287,800 | 1,825 |
| Average total loans | $235,841,200 | 1,852 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7876% | 5,715 |
| Cost of funding earning assets | 1.6451% | 2,135 |
| Net interest margin | 3.1425% | 6,500 |
| Noninterest income to average assets | 0.7910% | 2,282 |
| Noninterest expense to average assets | 2.4589% | 5,858 |
| Loan and lease loss provision to assets | 0.3847% | 3,580 |
| Net operating income to assets | 0.5661% | 4,025 |
| Return on assets (ROA) | 0.7913% | 3,205 |
| Pretax return on assets | 1.2617% | 2,296 |
| Return on Equity (ROE) | 8.5268% | 2,677 |
| Retained earnings to average equity (ytd only) | 8.5268% | 1,231 |
| Net charge-offs to loans | 0.2945% | 4,189 |
| Credit loss provision to net charge-offs | 217.9884% | 1,585 |
| Earnings coverage of net charge-offs (x) | 7.3346% | 2,350 |
| Efficiency ratio | 65.5116% | 4,960 |
| Assets per employee ($millions) | 4.7953% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8365% | 6,926 |
| Loan loss allowance to noncurrent loans | 89.7307% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.6572% | 5,816 |
| Noncurrent loans to loans | 0.9322% | 5,368 |
| Net loans and leases to total assets | 59.2708% | 5,049 |
| Net loans and leases to deposits | 70.4022% | 5,087 |
| Net loans and leases to core deposits | 75.7465% | 5,089 |
| Total domestic deposits to total assets | 84.1889% | 4,012 |
| Equity capital to assets | 9.8321% | 4,369 |
| Core capital (leverage) ratio | 9.0706% | 4,568 |
| Tier 1 risk-based capital ratio | 17.0710% | 2,316 |
| Total risk-based capital ratio | 18.0471% | 2,374 |
| Memoranda: | ||
| Average total assets | $390,569,500 | 1,711 |
| Average earning assets | $368,194,500 | 1,663 |
| Average equity | $36,245,750 | 1,845 |
| Average total loans | $234,046,500 | 1,890 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7853% | 5,842 |
| Cost of funding earning assets | 1.6822% | 2,210 |
| Net interest margin | 3.1031% | 6,604 |
| Noninterest income to average assets | 0.7231% | 2,560 |
| Noninterest expense to average assets | 2.4019% | 6,068 |
| Loan and lease loss provision to assets | 0.4650% | 2,992 |
| Net operating income to assets | 0.4780% | 4,420 |
| Return on assets (ROA) | 0.7421% | 3,375 |
| Pretax return on assets | 1.2056% | 2,399 |
| Return on Equity (ROE) | 8.1601% | 2,823 |
| Retained earnings to average equity (ytd only) | 8.1601% | 1,389 |
| Net charge-offs to loans | 0.3526% | 3,587 |
| Credit loss provision to net charge-offs | 219.9029% | 1,771 |
| Earnings coverage of net charge-offs (x) | 5.9490% | 2,563 |
| Efficiency ratio | 65.6289% | 5,046 |
| Assets per employee ($millions) | 4.7184% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7802% | 7,077 |
| Loan loss allowance to noncurrent loans | 61.2164% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 0.9041% | 5,311 |
| Noncurrent loans to loans | 1.2745% | 4,835 |
| Net loans and leases to total assets | 60.5448% | 4,956 |
| Net loans and leases to deposits | 72.5060% | 4,910 |
| Net loans and leases to core deposits | 77.2825% | 5,050 |
| Total domestic deposits to total assets | 83.5032% | 4,337 |
| Equity capital to assets | 9.5887% | 4,566 |
| Core capital (leverage) ratio | 8.9661% | 4,660 |
| Tier 1 risk-based capital ratio | 16.3160% | 2,548 |
| Total risk-based capital ratio | 17.2246% | 2,648 |
| Memoranda: | ||
| Average total assets | $389,688,670 | 1,730 |
| Average earning assets | $368,796,000 | 1,669 |
| Average equity | $35,440,670 | 1,883 |
| Average total loans | $233,720,000 | 1,916 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7541% | 6,054 |
| Cost of funding earning assets | 1.6920% | 2,428 |
| Net interest margin | 3.0621% | 6,688 |
| Noninterest income to average assets | 0.6679% | 2,828 |
| Noninterest expense to average assets | 2.2850% | 6,422 |
| Loan and lease loss provision to assets | 0.1984% | 4,520 |
| Net operating income to assets | 0.6863% | 3,498 |
| Return on assets (ROA) | 0.9062% | 2,589 |
| Pretax return on assets | 1.4381% | 1,674 |
| Return on Equity (ROE) | 10.2394% | 2,026 |
| Retained earnings to average equity (ytd only) | 10.2394% | 1,090 |
| Net charge-offs to loans | 0.2288% | 3,550 |
| Credit loss provision to net charge-offs | 145.8647% | 2,435 |
| Earnings coverage of net charge-offs (x) | 9.5038% | 1,843 |
| Efficiency ratio | 63.8651% | 5,521 |
| Assets per employee ($millions) | 4.8754% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6054% | 7,492 |
| Loan loss allowance to noncurrent loans | 51.0330% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 0.7749% | 5,598 |
| Noncurrent loans to loans | 1.1863% | 4,991 |
| Net loans and leases to total assets | 58.5360% | 5,341 |
| Net loans and leases to deposits | 69.9150% | 5,352 |
| Net loans and leases to core deposits | 75.2752% | 5,362 |
| Total domestic deposits to total assets | 83.7245% | 4,283 |
| Equity capital to assets | 9.0057% | 5,272 |
| Core capital (leverage) ratio | 8.5965% | 5,206 |
| Tier 1 risk-based capital ratio | 16.1904% | 2,572 |
| Total risk-based capital ratio | 16.8915% | 2,757 |
| Memoranda: | ||
| Average total assets | $391,080,500 | 1,761 |
| Average earning assets | $371,636,000 | 1,700 |
| Average equity | $34,611,500 | 1,948 |
| Average total loans | $232,533,500 | 1,979 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1250% | 5,981 |
| Cost of funding earning assets | 2.1703% | 2,156 |
| Net interest margin | 2.9547% | 6,742 |
| Noninterest income to average assets | 0.7566% | 2,634 |
| Noninterest expense to average assets | 2.3721% | 6,545 |
| Loan and lease loss provision to assets | 0.3029% | 5,013 |
| Net operating income to assets | 0.5449% | 3,551 |
| Return on assets (ROA) | 0.6024% | 3,391 |
| Pretax return on assets | 0.9400% | 2,795 |
| Return on Equity (ROE) | 6.8272% | 2,856 |
| Retained earnings to average equity (ytd only) | 6.8272% | 1,024 |
| Net charge-offs to loans | 0.3758% | 4,327 |
| Credit loss provision to net charge-offs | 133.1770% | 3,751 |
| Earnings coverage of net charge-offs (x) | 5.0692% | 2,697 |
| Efficiency ratio | 67.2895% | 5,130 |
| Assets per employee ($millions) | 4.7809% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5794% | 7,586 |
| Loan loss allowance to noncurrent loans | 38.8745% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 0.9180% | 5,257 |
| Noncurrent loans to loans | 1.4903% | 4,431 |
| Net loans and leases to total assets | 59.6894% | 5,382 |
| Net loans and leases to deposits | 73.5247% | 5,114 |
| Net loans and leases to core deposits | 96.9394% | 4,359 |
| Total domestic deposits to total assets | 81.1827% | 5,273 |
| Equity capital to assets | 8.6917% | 5,595 |
| Core capital (leverage) ratio | 8.4951% | 5,286 |
| Tier 1 risk-based capital ratio | 15.8233% | 2,596 |
| Total risk-based capital ratio | 16.4972% | 2,782 |
| Memoranda: | ||
| Average total assets | $374,984,000 | 1,821 |
| Average earning assets | $351,374,200 | 1,778 |
| Average equity | $33,088,400 | 2,026 |
| Average total loans | $227,009,600 | 2,044 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1843% | 5,946 |
| Cost of funding earning assets | 2.2625% | 2,138 |
| Net interest margin | 2.9218% | 6,798 |
| Noninterest income to average assets | 0.8009% | 2,429 |
| Noninterest expense to average assets | 2.4134% | 6,373 |
| Loan and lease loss provision to assets | 0.3481% | 4,243 |
| Net operating income to assets | 0.4996% | 3,989 |
| Return on assets (ROA) | 0.5313% | 3,946 |
| Pretax return on assets | 0.8159% | 3,487 |
| Return on Equity (ROE) | 5.9976% | 3,531 |
| Retained earnings to average equity (ytd only) | 5.9976% | 1,950 |
| Net charge-offs to loans | 0.4639% | 3,365 |
| Credit loss provision to net charge-offs | 123.6943% | 4,074 |
| Earnings coverage of net charge-offs (x) | 3.9631% | 3,318 |
| Efficiency ratio | 68.3938% | 4,895 |
| Assets per employee ($millions) | 4.8011% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5404% | 7,659 |
| Loan loss allowance to noncurrent loans | 34.2192% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 0.9656% | 5,129 |
| Noncurrent loans to loans | 1.5791% | 4,270 |
| Net loans and leases to total assets | 59.1143% | 5,724 |
| Net loans and leases to deposits | 71.7060% | 5,695 |
| Net loans and leases to core deposits | 95.5351% | 4,862 |
| Total domestic deposits to total assets | 82.4398% | 4,481 |
| Equity capital to assets | 8.6785% | 5,993 |
| Core capital (leverage) ratio | 8.2944% | 5,847 |
| Tier 1 risk-based capital ratio | 15.4797% | 2,836 |
| Total risk-based capital ratio | 16.1063% | 3,050 |
| Memoranda: | ||
| Average total assets | $371,916,250 | 1,848 |
| Average earning assets | $347,217,500 | 1,812 |
| Average equity | $32,945,750 | 2,057 |
| Average total loans | $225,637,750 | 2,088 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2987% | 5,666 |
| Cost of funding earning assets | 2.3671% | 2,093 |
| Net interest margin | 2.9316% | 6,730 |
| Noninterest income to average assets | 0.8158% | 2,334 |
| Noninterest expense to average assets | 2.4688% | 6,231 |
| Loan and lease loss provision to assets | 0.0939% | 6,230 |
| Net operating income to assets | 0.6003% | 3,672 |
| Return on assets (ROA) | 0.6121% | 3,735 |
| Pretax return on assets | 0.9884% | 3,051 |
| Return on Equity (ROE) | 6.8610% | 3,260 |
| Retained earnings to average equity (ytd only) | 6.8610% | 1,635 |
| Net charge-offs to loans | 0.0545% | 5,729 |
| Credit loss provision to net charge-offs | 281.9672% | 1,661 |
| Earnings coverage of net charge-offs (x) | 31.9344% | 951 |
| Efficiency ratio | 69.8872% | 4,804 |
| Assets per employee ($millions) | 4.7324% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5217% | 7,764 |
| Loan loss allowance to noncurrent loans | 31.5931% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 1.0114% | 4,945 |
| Noncurrent loans to loans | 1.6513% | 4,021 |
| Net loans and leases to total assets | 59.1291% | 5,820 |
| Net loans and leases to deposits | 70.8905% | 5,886 |
| Net loans and leases to core deposits | 93.3668% | 5,189 |
| Total domestic deposits to total assets | 83.4091% | 4,059 |
| Equity capital to assets | 8.7588% | 5,666 |
| Core capital (leverage) ratio | 8.4174% | 5,585 |
| Tier 1 risk-based capital ratio | 16.0611% | 2,604 |
| Total risk-based capital ratio | 16.6795% | 2,770 |
| Memoranda: | ||
| Average total assets | $366,258,000 | 1,893 |
| Average earning assets | $339,407,000 | 1,868 |
| Average equity | $32,677,670 | 2,079 |
| Average total loans | $223,804,000 | 2,132 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3999% | 5,430 |
| Cost of funding earning assets | 2.3952% | 2,317 |
| Net interest margin | 3.0048% | 6,469 |
| Noninterest income to average assets | 0.7731% | 2,462 |
| Noninterest expense to average assets | 2.2117% | 6,835 |
| Loan and lease loss provision to assets | 0.0167% | 6,657 |
| Net operating income to assets | 0.8309% | 2,990 |
| Return on assets (ROA) | 0.8309% | 3,139 |
| Pretax return on assets | 1.3152% | 2,230 |
| Return on Equity (ROE) | 9.2242% | 2,633 |
| Retained earnings to average equity (ytd only) | 9.2242% | 1,415 |
| Net charge-offs to loans | 0.0591% | 4,641 |
| Credit loss provision to net charge-offs | 45.4545% | 4,745 |
| Earnings coverage of net charge-offs (x) | 36.3333% | 919 |
| Efficiency ratio | 62.4138% | 5,979 |
| Assets per employee ($millions) | 4.5677% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4736% | 7,858 |
| Loan loss allowance to noncurrent loans | 33.0803% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 0.9217% | 4,886 |
| Noncurrent loans to loans | 1.4316% | 4,158 |
| Net loans and leases to total assets | 60.9203% | 5,507 |
| Net loans and leases to deposits | 74.9103% | 5,356 |
| Net loans and leases to core deposits | 100.5663% | 4,489 |
| Total domestic deposits to total assets | 81.3244% | 4,825 |
| Equity capital to assets | 9.0755% | 5,257 |
| Core capital (leverage) ratio | 8.7370% | 5,084 |
| Tier 1 risk-based capital ratio | 16.9828% | 2,346 |
| Total risk-based capital ratio | 17.5726% | 2,522 |
| Memoranda: | ||
| Average total assets | $360,091,000 | 1,929 |
| Average earning assets | $332,004,000 | 1,906 |
| Average equity | $32,436,500 | 2,090 |
| Average total loans | $223,190,000 | 2,156 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6673% | 6,876 |
| Cost of funding earning assets | 3.0711% | 1,598 |
| Net interest margin | 2.5962% | 7,647 |
| Noninterest income to average assets | 0.7080% | 3,072 |
| Noninterest expense to average assets | 2.1939% | 6,982 |
| Loan and lease loss provision to assets | 0.0790% | 6,410 |
| Net operating income to assets | 0.5674% | 4,449 |
| Return on assets (ROA) | 0.6038% | 4,146 |
| Pretax return on assets | 0.9181% | 3,668 |
| Return on Equity (ROE) | 6.9855% | 3,538 |
| Retained earnings to average equity (ytd only) | 6.9855% | 1,158 |
| Net charge-offs to loans | 0.0827% | 5,583 |
| Credit loss provision to net charge-offs | 151.9553% | 3,449 |
| Earnings coverage of net charge-offs (x) | 18.1285% | 1,724 |
| Efficiency ratio | 69.9620% | 4,360 |
| Assets per employee ($millions) | 4.6666% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4718% | 7,885 |
| Loan loss allowance to noncurrent loans | 33.7563% | 6,477 |
| Noncurrent assets plus other real estate owned to assets | 0.8894% | 4,634 |
| Noncurrent loans to loans | 1.3978% | 3,720 |
| Net loans and leases to total assets | 62.4601% | 5,545 |
| Net loans and leases to deposits | 80.6598% | 4,934 |
| Net loans and leases to core deposits | 109.2437% | 3,835 |
| Total domestic deposits to total assets | 77.4365% | 5,892 |
| Equity capital to assets | 8.9399% | 5,443 |
| Core capital (leverage) ratio | 8.5696% | 5,447 |
| Tier 1 risk-based capital ratio | 16.3338% | 2,543 |
| Total risk-based capital ratio | 16.9255% | 2,715 |
| Memoranda: | ||
| Average total assets | $344,501,800 | 1,930 |
| Average earning assets | $322,166,600 | 1,890 |
| Average equity | $29,776,000 | 2,273 |
| Average total loans | $216,569,200 | 2,162 |