Home > John Marshall Bank > Performance and Condition Ratios
John Marshall Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9443% | 3,202 |
| Cost of funding earning assets | 2.3284% | 1,169 |
| Net interest margin | 2.6158% | 3,934 |
| Noninterest income to average assets | 0.0900% | 4,163 |
| Noninterest expense to average assets | 1.4091% | 4,268 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.9459% | 2,433 |
| Return on assets (ROA) | 0.9459% | 2,433 |
| Pretax return on assets | 1.2143% | 2,211 |
| Return on Equity (ROE) | 7.9400% | 2,874 |
| Retained earnings to average equity (ytd only) | 7.9392% | 1,698 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 53.1016% | 3,667 |
| Assets per employee ($millions) | 16.6828% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,191 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 81.6100% | 449 |
| Net loans and leases to deposits | 96.0540% | 614 |
| Net loans and leases to core deposits | 141.6110% | 206 |
| Total domestic deposits to total assets | 84.9600% | 2,632 |
| Equity capital to assets | 11.9666% | 1,246 |
| Core capital (leverage) ratio | 12.6113% | 1,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5032% | 1,150 |
| Memoranda: | ||
| Average total assets | $2,250,184,000 | 539 |
| Average earning assets | $2,209,027,000 | 511 |
| Average equity | $268,089,000 | 479 |
| Average total loans | $1,871,322,500 | 474 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9828% | 3,133 |
| Cost of funding earning assets | 2.6101% | 954 |
| Net interest margin | 2.3726% | 4,022 |
| Noninterest income to average assets | 0.0900% | 4,243 |
| Noninterest expense to average assets | 1.3672% | 4,323 |
| Loan and lease loss provision to assets | -0.0200% | 4,147 |
| Net operating income to assets | 0.8373% | 2,588 |
| Return on assets (ROA) | 0.8373% | 2,591 |
| Pretax return on assets | 1.0690% | 2,328 |
| Return on Equity (ROE) | 7.3100% | 2,934 |
| Retained earnings to average equity (ytd only) | 4.9803% | 2,245 |
| Net charge-offs to loans | -0.0001% | 3,672 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 56.5009% | 3,508 |
| Assets per employee ($millions) | 16.9053% | 162 |
| Cash dividends to net income (ytd only)* | 31.8302% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 3,239 |
| Loan loss allowance to noncurrent loans | 187.5626% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 1,578 |
| Noncurrent loans to loans | 0.5330% | 1,741 |
| Net loans and leases to total assets | 83.0600% | 353 |
| Net loans and leases to deposits | 97.6121% | 611 |
| Net loans and leases to core deposits | 141.7442% | 230 |
| Total domestic deposits to total assets | 85.0900% | 2,500 |
| Equity capital to assets | 11.8607% | 1,231 |
| Core capital (leverage) ratio | 12.3647% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2163% | 1,219 |
| Memoranda: | ||
| Average total assets | $2,251,340,200 | 529 |
| Average earning assets | $2,210,271,400 | 499 |
| Average equity | $258,015,400 | 468 |
| Average total loans | $1,845,571,200 | 461 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9447% | 3,121 |
| Cost of funding earning assets | 2.6556% | 899 |
| Net interest margin | 2.2892% | 4,087 |
| Noninterest income to average assets | 0.1000% | 4,224 |
| Noninterest expense to average assets | 1.3627% | 4,344 |
| Loan and lease loss provision to assets | -0.0400% | 4,275 |
| Net operating income to assets | 0.8018% | 2,682 |
| Return on assets (ROA) | 0.8018% | 2,699 |
| Pretax return on assets | 1.0237% | 2,473 |
| Return on Equity (ROE) | 7.0600% | 3,023 |
| Retained earnings to average equity (ytd only) | 5.2369% | 2,374 |
| Net charge-offs to loans | -0.0001% | 3,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 58.0618% | 3,341 |
| Assets per employee ($millions) | 16.9485% | 153 |
| Cash dividends to net income (ytd only)* | 25.7941% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 3,236 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 80.3200% | 592 |
| Net loans and leases to deposits | 94.0172% | 856 |
| Net loans and leases to core deposits | 137.1472% | 284 |
| Total domestic deposits to total assets | 85.4300% | 2,156 |
| Equity capital to assets | 11.5877% | 1,435 |
| Core capital (leverage) ratio | 11.9434% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3275% | 1,226 |
| Memoranda: | ||
| Average total assets | $2,256,299,750 | 522 |
| Average earning assets | $2,214,777,250 | 495 |
| Average equity | $256,351,500 | 463 |
| Average total loans | $1,838,920,750 | 457 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8618% | 3,174 |
| Cost of funding earning assets | 2.6422% | 857 |
| Net interest margin | 2.2196% | 4,148 |
| Noninterest income to average assets | 0.1100% | 4,190 |
| Noninterest expense to average assets | 1.3599% | 4,364 |
| Loan and lease loss provision to assets | -0.0900% | 4,395 |
| Net operating income to assets | 0.7950% | 2,643 |
| Return on assets (ROA) | 0.7950% | 2,662 |
| Pretax return on assets | 1.0212% | 2,414 |
| Return on Equity (ROE) | 7.0400% | 2,992 |
| Retained earnings to average equity (ytd only) | 7.0443% | 1,642 |
| Net charge-offs to loans | -0.0001% | 3,484 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 59.4809% | 3,250 |
| Assets per employee ($millions) | 16.1871% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 3,229 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 79.8100% | 701 |
| Net loans and leases to deposits | 94.3212% | 914 |
| Net loans and leases to core deposits | 140.7945% | 255 |
| Total domestic deposits to total assets | 84.6200% | 2,425 |
| Equity capital to assets | 11.4102% | 1,384 |
| Core capital (leverage) ratio | 12.1716% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4020% | 1,183 |
| Memoranda: | ||
| Average total assets | $2,251,368,000 | 522 |
| Average earning assets | $2,209,473,000 | 493 |
| Average equity | $254,079,333 | 464 |
| Average total loans | $1,837,695,000 | 454 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 3,001 |
| Cost of funding earning assets | 2.6925% | 721 |
| Net interest margin | 2.1958% | 4,185 |
| Noninterest income to average assets | 0.1200% | 4,125 |
| Noninterest expense to average assets | 1.3633% | 4,380 |
| Loan and lease loss provision to assets | -0.1400% | 4,479 |
| Net operating income to assets | 0.8200% | 2,483 |
| Return on assets (ROA) | 0.8200% | 2,496 |
| Pretax return on assets | 1.0544% | 2,244 |
| Return on Equity (ROE) | 7.3100% | 2,873 |
| Retained earnings to average equity (ytd only) | 7.3065% | 1,738 |
| Net charge-offs to loans | -0.0002% | 3,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 59.8107% | 3,285 |
| Assets per employee ($millions) | 17.0337% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 3,190 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 80.3800% | 577 |
| Net loans and leases to deposits | 94.8331% | 801 |
| Net loans and leases to core deposits | 145.1623% | 234 |
| Total domestic deposits to total assets | 84.7600% | 2,486 |
| Equity capital to assets | 11.2965% | 1,386 |
| Core capital (leverage) ratio | 11.8362% | 1,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1196% | 1,243 |
| Memoranda: | ||
| Average total assets | $2,243,958,500 | 526 |
| Average earning assets | $2,202,750,500 | 496 |
| Average equity | $251,831,000 | 470 |
| Average total loans | $1,842,949,000 | 460 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 3,171 |
| Cost of funding earning assets | 2.1631% | 688 |
| Net interest margin | 2.2955% | 4,265 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 1.2887% | 4,443 |
| Loan and lease loss provision to assets | -0.1400% | 4,542 |
| Net operating income to assets | 0.8820% | 2,603 |
| Return on assets (ROA) | 0.2917% | 4,039 |
| Pretax return on assets | 0.4319% | 3,917 |
| Return on Equity (ROE) | 2.7900% | 4,052 |
| Retained earnings to average equity (ytd only) | 0.2698% | 3,988 |
| Net charge-offs to loans | -0.0002% | 3,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.3706% | 3,563 |
| Assets per employee ($millions) | 16.7125% | 157 |
| Cash dividends to net income (ytd only)* | 90.3417% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,064 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 82.1800% | 412 |
| Net loans and leases to deposits | 96.2830% | 762 |
| Net loans and leases to core deposits | 149.0659% | 208 |
| Total domestic deposits to total assets | 85.3500% | 2,199 |
| Equity capital to assets | 11.1484% | 1,417 |
| Core capital (leverage) ratio | 11.5677% | 1,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7171% | 1,341 |
| Memoranda: | ||
| Average total assets | $2,317,611,200 | 498 |
| Average earning assets | $2,260,104,800 | 469 |
| Average equity | $242,037,200 | 462 |
| Average total loans | $1,802,136,000 | 439 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3455% | 3,203 |
| Cost of funding earning assets | 2.0311% | 666 |
| Net interest margin | 2.3144% | 4,296 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 1.2889% | 4,454 |
| Loan and lease loss provision to assets | -0.1400% | 4,565 |
| Net operating income to assets | 0.8901% | 2,721 |
| Return on assets (ROA) | 0.1097% | 4,331 |
| Pretax return on assets | 0.2114% | 4,248 |
| Return on Equity (ROE) | 1.0700% | 4,310 |
| Retained earnings to average equity (ytd only) | -0.6580% | 4,227 |
| Net charge-offs to loans | -0.0001% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.9131% | 3,498 |
| Assets per employee ($millions) | 16.6344% | 150 |
| Cash dividends to net income (ytd only)* | 161.6225% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 2,865 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 78.4200% | 832 |
| Net loans and leases to deposits | 90.7424% | 1,171 |
| Net loans and leases to core deposits | 135.2007% | 277 |
| Total domestic deposits to total assets | 86.4200% | 2,065 |
| Equity capital to assets | 10.5846% | 1,520 |
| Core capital (leverage) ratio | 11.2461% | 1,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6520% | 1,394 |
| Memoranda: | ||
| Average total assets | $2,337,145,250 | 500 |
| Average earning assets | $2,275,755,500 | 469 |
| Average equity | $240,130,000 | 464 |
| Average total loans | $1,787,678,250 | 443 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1947% | 3,304 |
| Cost of funding earning assets | 1.8153% | 717 |
| Net interest margin | 2.3794% | 4,316 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.2856% | 4,476 |
| Loan and lease loss provision to assets | -0.1400% | 4,590 |
| Net operating income to assets | 1.0000% | 2,422 |
| Return on assets (ROA) | 0.9864% | 2,452 |
| Pretax return on assets | 1.2577% | 2,196 |
| Return on Equity (ROE) | 9.7000% | 2,791 |
| Retained earnings to average equity (ytd only) | 7.0967% | 2,251 |
| Net charge-offs to loans | -0.0002% | 3,377 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.1066% | 3,687 |
| Assets per employee ($millions) | 16.3837% | 156 |
| Cash dividends to net income (ytd only)* | 26.8047% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 2,622 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 74.1400% | 1,272 |
| Net loans and leases to deposits | 85.2300% | 1,572 |
| Net loans and leases to core deposits | 131.4967% | 309 |
| Total domestic deposits to total assets | 86.9900% | 1,928 |
| Equity capital to assets | 10.2114% | 1,738 |
| Core capital (leverage) ratio | 11.5730% | 1,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0603% | 1,308 |
| Memoranda: | ||
| Average total assets | $2,351,010,000 | 485 |
| Average earning assets | $2,284,161,000 | 456 |
| Average equity | $239,181,333 | 454 |
| Average total loans | $1,776,860,333 | 434 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1103% | 3,235 |
| Cost of funding earning assets | 1.5131% | 824 |
| Net interest margin | 2.5972% | 4,208 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 1.2837% | 4,545 |
| Loan and lease loss provision to assets | -0.1300% | 4,593 |
| Net operating income to assets | 1.1685% | 2,028 |
| Return on assets (ROA) | 1.1416% | 2,062 |
| Pretax return on assets | 1.4550% | 1,758 |
| Return on Equity (ROE) | 11.2400% | 2,430 |
| Retained earnings to average equity (ytd only) | 11.2423% | 1,416 |
| Net charge-offs to loans | -0.0002% | 3,257 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.6092% | 4,050 |
| Assets per employee ($millions) | 16.5377% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 2,447 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 74.5100% | 1,134 |
| Net loans and leases to deposits | 83.6616% | 1,522 |
| Net loans and leases to core deposits | 127.2605% | 315 |
| Total domestic deposits to total assets | 89.0600% | 1,524 |
| Equity capital to assets | 10.3207% | 1,659 |
| Core capital (leverage) ratio | 11.5392% | 1,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0718% | 1,357 |
| Memoranda: | ||
| Average total assets | $2,346,885,500 | 502 |
| Average earning assets | $2,282,486,500 | 464 |
| Average equity | $238,315,000 | 467 |
| Average total loans | $1,780,390,000 | 438 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8055% | 2,261 |
| Cost of funding earning assets | 0.5357% | 1,184 |
| Net interest margin | 3.2698% | 2,649 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.3717% | 4,525 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.5004% | 876 |
| Return on assets (ROA) | 1.5004% | 843 |
| Pretax return on assets | 1.8907% | 597 |
| Return on Equity (ROE) | 14.8600% | 1,295 |
| Retained earnings to average equity (ytd only) | 13.0487% | 506 |
| Net charge-offs to loans | -0.0001% | 3,263 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 41.9476% | 4,490 |
| Assets per employee ($millions) | 16.8736% | 148 |
| Cash dividends to net income (ytd only)* | 12.1776% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 2,745 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 75.4400% | 1,070 |
| Net loans and leases to deposits | 85.4186% | 1,358 |
| Net loans and leases to core deposits | 125.8546% | 281 |
| Total domestic deposits to total assets | 88.3100% | 1,965 |
| Equity capital to assets | 9.9881% | 1,710 |
| Core capital (leverage) ratio | 11.2958% | 1,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5813% | 1,455 |
| Memoranda: | ||
| Average total assets | $2,271,341,600 | 498 |
| Average earning assets | $2,209,026,200 | 466 |
| Average equity | $229,363,400 | 475 |
| Average total loans | $1,701,000,600 | 428 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6823% | 2,093 |
| Cost of funding earning assets | 0.3732% | 1,493 |
| Net interest margin | 3.3091% | 2,267 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.4180% | 4,497 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5101% | 833 |
| Return on assets (ROA) | 1.5101% | 809 |
| Pretax return on assets | 1.8872% | 601 |
| Return on Equity (ROE) | 14.9100% | 1,198 |
| Retained earnings to average equity (ytd only) | 12.4863% | 695 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 42.9011% | 4,495 |
| Assets per employee ($millions) | 16.9346% | 149 |
| Cash dividends to net income (ytd only)* | 16.2649% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 2,737 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 74.0300% | 1,090 |
| Net loans and leases to deposits | 82.4933% | 1,403 |
| Net loans and leases to core deposits | 113.4730% | 376 |
| Total domestic deposits to total assets | 89.7500% | 1,762 |
| Equity capital to assets | 9.6961% | 1,774 |
| Core capital (leverage) ratio | 10.9942% | 1,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3987% | 1,602 |
| Memoranda: | ||
| Average total assets | $2,252,821,000 | 499 |
| Average earning assets | $2,190,956,000 | 468 |
| Average equity | $228,138,500 | 474 |
| Average total loans | $1,678,873,750 | 432 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6100% | 1,811 |
| Cost of funding earning assets | 0.2814% | 1,887 |
| Net interest margin | 3.3287% | 1,825 |
| Noninterest income to average assets | 0.0818% | 4,550 |
| Noninterest expense to average assets | 1.4450% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5126% | 688 |
| Return on assets (ROA) | 1.5126% | 664 |
| Pretax return on assets | 1.8779% | 490 |
| Return on Equity (ROE) | 14.7213% | 954 |
| Retained earnings to average equity (ytd only) | 11.1087% | 768 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4874% | 4,529 |
| Assets per employee ($millions) | 16.0689% | 163 |
| Cash dividends to net income (ytd only)* | 24.5402% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 2,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 72.2850% | 1,076 |
| Net loans and leases to deposits | 80.7000% | 1,335 |
| Net loans and leases to core deposits | 109.1098% | 366 |
| Total domestic deposits to total assets | 89.5725% | 1,908 |
| Equity capital to assets | 9.8776% | 1,784 |
| Core capital (leverage) ratio | 10.9709% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1245% | 1,676 |
| Memoranda: | ||
| Average total assets | $2,236,060,667 | 498 |
| Average earning assets | $2,177,266,000 | 468 |
| Average equity | $229,748,000 | 474 |
| Average total loans | $1,663,460,333 | 426 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6874% | 1,298 |
| Cost of funding earning assets | 0.2527% | 2,125 |
| Net interest margin | 3.4347% | 1,222 |
| Noninterest income to average assets | 0.0967% | 4,521 |
| Noninterest expense to average assets | 1.5664% | 4,347 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5125% | 615 |
| Return on assets (ROA) | 1.5125% | 604 |
| Pretax return on assets | 1.8786% | 464 |
| Return on Equity (ROE) | 14.4272% | 752 |
| Retained earnings to average equity (ytd only) | 14.4272% | 338 |
| Net charge-offs to loans | 0.0002% | 1,837 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 10,319.0000% | 2 |
| Efficiency ratio | 45.4685% | 4,517 |
| Assets per employee ($millions) | 15.9366% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 2,719 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 71.7038% | 865 |
| Net loans and leases to deposits | 81.1096% | 1,067 |
| Net loans and leases to core deposits | 105.4462% | 360 |
| Total domestic deposits to total assets | 88.4036% | 2,336 |
| Equity capital to assets | 10.1744% | 1,773 |
| Core capital (leverage) ratio | 10.8218% | 1,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4219% | 1,666 |
| Memoranda: | ||
| Average total assets | $2,197,128,000 | 510 |
| Average earning assets | $2,141,903,000 | 485 |
| Average equity | $230,342,000 | 484 |
| Average total loans | $1,648,864,500 | 429 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7372% | 2,014 |
| Cost of funding earning assets | 0.3391% | 2,032 |
| Net interest margin | 3.3981% | 2,041 |
| Noninterest income to average assets | 0.0743% | 4,672 |
| Noninterest expense to average assets | 1.5179% | 4,525 |
| Loan and lease loss provision to assets | 0.1523% | 790 |
| Net operating income to assets | 1.3488% | 1,448 |
| Return on assets (ROA) | 1.3492% | 1,484 |
| Pretax return on assets | 1.7093% | 1,123 |
| Return on Equity (ROE) | 12.5605% | 1,620 |
| Retained earnings to average equity (ytd only) | 12.5605% | 460 |
| Net charge-offs to loans | 0.0056% | 2,380 |
| Credit loss provision to net charge-offs | 3,450.0000% | 195 |
| Earnings coverage of net charge-offs (x) | 421.7111% | 312 |
| Efficiency ratio | 44.9216% | 4,543 |
| Assets per employee ($millions) | 15.5594% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 2,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 76.6785% | 466 |
| Net loans and leases to deposits | 87.4302% | 678 |
| Net loans and leases to core deposits | 116.2786% | 199 |
| Total domestic deposits to total assets | 87.7026% | 2,191 |
| Equity capital to assets | 10.8075% | 1,935 |
| Core capital (leverage) ratio | 10.9651% | 1,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2646% | 1,751 |
| Memoranda: | ||
| Average total assets | $2,039,348,200 | 520 |
| Average earning assets | $1,983,273,600 | 500 |
| Average equity | $219,051,400 | 499 |
| Average total loans | $1,600,853,000 | 442 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7783% | 2,067 |
| Cost of funding earning assets | 0.3656% | 1,978 |
| Net interest margin | 3.4127% | 2,119 |
| Noninterest income to average assets | 0.0737% | 4,748 |
| Noninterest expense to average assets | 1.5731% | 4,504 |
| Loan and lease loss provision to assets | 0.1842% | 579 |
| Net operating income to assets | 1.2843% | 1,870 |
| Return on assets (ROA) | 1.2848% | 1,929 |
| Pretax return on assets | 1.6334% | 1,600 |
| Return on Equity (ROE) | 11.9812% | 2,053 |
| Retained earnings to average equity (ytd only) | 11.9812% | 843 |
| Net charge-offs to loans | 0.0077% | 2,033 |
| Credit loss provision to net charge-offs | 3,054.9451% | 233 |
| Earnings coverage of net charge-offs (x) | 301.3516% | 434 |
| Efficiency ratio | 46.4039% | 4,480 |
| Assets per employee ($millions) | 14.7426% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 2,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 75.6013% | 577 |
| Net loans and leases to deposits | 86.0761% | 823 |
| Net loans and leases to core deposits | 113.6856% | 260 |
| Total domestic deposits to total assets | 87.8308% | 1,942 |
| Equity capital to assets | 10.7752% | 2,190 |
| Core capital (leverage) ratio | 10.8444% | 1,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2094% | 1,898 |
| Memoranda: | ||
| Average total assets | $2,012,386,750 | 528 |
| Average earning assets | $1,955,560,750 | 511 |
| Average equity | $215,799,750 | 509 |
| Average total loans | $1,584,449,000 | 453 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8750% | 1,884 |
| Cost of funding earning assets | 0.4000% | 1,889 |
| Net interest margin | 3.4750% | 1,931 |
| Noninterest income to average assets | 0.0778% | 4,767 |
| Noninterest expense to average assets | 1.6524% | 4,438 |
| Loan and lease loss provision to assets | 0.2473% | 401 |
| Net operating income to assets | 1.2182% | 2,117 |
| Return on assets (ROA) | 1.2190% | 2,194 |
| Pretax return on assets | 1.5554% | 1,858 |
| Return on Equity (ROE) | 11.3869% | 2,271 |
| Retained earnings to average equity (ytd only) | 11.3869% | 1,034 |
| Net charge-offs to loans | 0.0115% | 1,728 |
| Credit loss provision to net charge-offs | 2,697.8022% | 224 |
| Earnings coverage of net charge-offs (x) | 196.5385% | 501 |
| Efficiency ratio | 47.8389% | 4,398 |
| Assets per employee ($millions) | 14.4334% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 74.9877% | 675 |
| Net loans and leases to deposits | 85.1838% | 967 |
| Net loans and leases to core deposits | 114.3434% | 284 |
| Total domestic deposits to total assets | 88.0305% | 1,802 |
| Equity capital to assets | 10.5673% | 2,339 |
| Core capital (leverage) ratio | 10.7010% | 1,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0335% | 1,957 |
| Memoranda: | ||
| Average total assets | $1,985,368,000 | 531 |
| Average earning assets | $1,929,002,667 | 512 |
| Average equity | $212,542,333 | 510 |
| Average total loans | $1,578,473,000 | 456 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9664% | 1,663 |
| Cost of funding earning assets | 0.4428% | 1,776 |
| Net interest margin | 3.5236% | 1,765 |
| Noninterest income to average assets | 0.0863% | 4,739 |
| Noninterest expense to average assets | 1.5597% | 4,588 |
| Loan and lease loss provision to assets | 0.4861% | 138 |
| Net operating income to assets | 1.1457% | 2,345 |
| Return on assets (ROA) | 1.1473% | 2,408 |
| Pretax return on assets | 1.4657% | 2,085 |
| Return on Equity (ROE) | 10.6446% | 2,480 |
| Retained earnings to average equity (ytd only) | 10.6446% | 1,483 |
| Net charge-offs to loans | 0.0003% | 1,927 |
| Credit loss provision to net charge-offs | 236,500.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 9,486.0000% | 3 |
| Efficiency ratio | 44.4418% | 4,553 |
| Assets per employee ($millions) | 14.0444% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 2,895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 78.9906% | 401 |
| Net loans and leases to deposits | 89.9716% | 699 |
| Net loans and leases to core deposits | 123.7452% | 211 |
| Total domestic deposits to total assets | 87.7950% | 1,949 |
| Equity capital to assets | 10.5236% | 2,251 |
| Core capital (leverage) ratio | 10.7609% | 1,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6353% | 2,027 |
| Memoranda: | ||
| Average total assets | $1,946,061,500 | 534 |
| Average earning assets | $1,890,564,500 | 512 |
| Average equity | $209,759,500 | 507 |
| Average total loans | $1,584,153,500 | 456 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2789% | 1,930 |
| Cost of funding earning assets | 0.8340% | 1,077 |
| Net interest margin | 3.4449% | 2,639 |
| Noninterest income to average assets | 0.0690% | 4,829 |
| Noninterest expense to average assets | 1.6320% | 4,680 |
| Loan and lease loss provision to assets | 0.3553% | 967 |
| Net operating income to assets | 1.1331% | 1,792 |
| Return on assets (ROA) | 1.1472% | 1,863 |
| Pretax return on assets | 1.4324% | 1,563 |
| Return on Equity (ROE) | 10.1826% | 1,943 |
| Retained earnings to average equity (ytd only) | 10.1826% | 554 |
| Net charge-offs to loans | -0.0030% | 4,039 |
| Credit loss provision to net charge-offs | -14,129.5455% | 4,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9709% | 4,632 |
| Assets per employee ($millions) | 13.8513% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 3,512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 82.0429% | 291 |
| Net loans and leases to deposits | 94.0635% | 657 |
| Net loans and leases to core deposits | 131.1171% | 190 |
| Total domestic deposits to total assets | 87.2207% | 1,833 |
| Equity capital to assets | 11.0507% | 2,209 |
| Core capital (leverage) ratio | 11.0053% | 1,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6245% | 2,001 |
| Memoranda: | ||
| Average total assets | $1,749,955,400 | 541 |
| Average earning assets | $1,693,106,400 | 514 |
| Average equity | $197,160,000 | 510 |
| Average total loans | $1,455,044,200 | 459 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3209% | 2,040 |
| Cost of funding earning assets | 0.9276% | 972 |
| Net interest margin | 3.3934% | 2,944 |
| Noninterest income to average assets | 0.0705% | 4,848 |
| Noninterest expense to average assets | 1.6645% | 4,664 |
| Loan and lease loss provision to assets | 0.2829% | 1,426 |
| Net operating income to assets | 1.1297% | 1,878 |
| Return on assets (ROA) | 1.1489% | 1,939 |
| Pretax return on assets | 1.4277% | 1,642 |
| Return on Equity (ROE) | 10.1441% | 1,970 |
| Retained earnings to average equity (ytd only) | 10.1441% | 727 |
| Net charge-offs to loans | -0.0040% | 4,009 |
| Credit loss provision to net charge-offs | -8,469.7674% | 4,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6709% | 4,517 |
| Assets per employee ($millions) | 13.7849% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 3,921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 81.5855% | 473 |
| Net loans and leases to deposits | 93.4284% | 972 |
| Net loans and leases to core deposits | 128.2152% | 267 |
| Total domestic deposits to total assets | 87.3242% | 1,531 |
| Equity capital to assets | 10.9116% | 2,469 |
| Core capital (leverage) ratio | 11.0773% | 1,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6210% | 1,957 |
| Memoranda: | ||
| Average total assets | $1,716,499,250 | 539 |
| Average earning assets | $1,659,474,000 | 516 |
| Average equity | $194,407,500 | 510 |
| Average total loans | $1,428,174,250 | 461 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4527% | 2,070 |
| Cost of funding earning assets | 1.0464% | 851 |
| Net interest margin | 3.4064% | 3,078 |
| Noninterest income to average assets | 0.0705% | 4,865 |
| Noninterest expense to average assets | 1.7174% | 4,665 |
| Loan and lease loss provision to assets | 0.2309% | 1,822 |
| Net operating income to assets | 1.1451% | 1,821 |
| Return on assets (ROA) | 1.1751% | 1,846 |
| Pretax return on assets | 1.4491% | 1,593 |
| Return on Equity (ROE) | 10.2358% | 1,910 |
| Retained earnings to average equity (ytd only) | 10.2358% | 745 |
| Net charge-offs to loans | -0.0062% | 4,077 |
| Credit loss provision to net charge-offs | -4,479.0698% | 4,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1077% | 4,426 |
| Assets per employee ($millions) | 13.5468% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8385% | 4,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 83.5256% | 292 |
| Net loans and leases to deposits | 96.1520% | 786 |
| Net loans and leases to core deposits | 130.2975% | 252 |
| Total domestic deposits to total assets | 86.8683% | 1,676 |
| Equity capital to assets | 10.9690% | 2,372 |
| Core capital (leverage) ratio | 11.1142% | 1,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2232% | 2,093 |
| Memoranda: | ||
| Average total assets | $1,668,346,667 | 547 |
| Average earning assets | $1,611,277,333 | 523 |
| Average equity | $191,523,000 | 516 |
| Average total loans | $1,393,328,000 | 461 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6111% | 1,966 |
| Cost of funding earning assets | 1.1954% | 788 |
| Net interest margin | 3.4158% | 3,249 |
| Noninterest income to average assets | 0.0819% | 4,889 |
| Noninterest expense to average assets | 1.7742% | 4,696 |
| Loan and lease loss provision to assets | 0.1046% | 2,374 |
| Net operating income to assets | 1.2211% | 1,452 |
| Return on assets (ROA) | 1.2235% | 1,553 |
| Pretax return on assets | 1.5024% | 1,298 |
| Return on Equity (ROE) | 10.3975% | 1,612 |
| Retained earnings to average equity (ytd only) | 10.3975% | 665 |
| Net charge-offs to loans | -0.0003% | 3,584 |
| Credit loss provision to net charge-offs | -41,900.0000% | 4,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5172% | 4,513 |
| Assets per employee ($millions) | 11.8419% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8360% | 4,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 81.7120% | 469 |
| Net loans and leases to deposits | 95.8970% | 923 |
| Net loans and leases to core deposits | 134.4867% | 217 |
| Total domestic deposits to total assets | 85.2080% | 2,326 |
| Equity capital to assets | 11.8618% | 2,175 |
| Core capital (leverage) ratio | 11.8844% | 1,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8648% | 2,343 |
| Memoranda: | ||
| Average total assets | $1,601,655,000 | 548 |
| Average earning assets | $1,545,655,000 | 520 |
| Average equity | $188,468,500 | 522 |
| Average total loans | $1,331,176,500 | 470 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8452% | 1,906 |
| Cost of funding earning assets | 1.3228% | 726 |
| Net interest margin | 3.5224% | 3,371 |
| Noninterest income to average assets | 0.0875% | 4,958 |
| Noninterest expense to average assets | 1.9116% | 4,648 |
| Loan and lease loss provision to assets | 0.0790% | 2,414 |
| Net operating income to assets | 1.1723% | 2,167 |
| Return on assets (ROA) | 1.1723% | 2,262 |
| Pretax return on assets | 1.4825% | 1,856 |
| Return on Equity (ROE) | 9.9360% | 2,320 |
| Retained earnings to average equity (ytd only) | 9.9360% | 505 |
| Net charge-offs to loans | 0.0118% | 3,267 |
| Credit loss provision to net charge-offs | 806.8966% | 408 |
| Earnings coverage of net charge-offs (x) | 159.5310% | 473 |
| Efficiency ratio | 55.0407% | 4,319 |
| Assets per employee ($millions) | 11.7983% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8114% | 4,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 83.1626% | 408 |
| Net loans and leases to deposits | 100.2586% | 592 |
| Net loans and leases to core deposits | 141.0218% | 172 |
| Total domestic deposits to total assets | 82.9481% | 3,212 |
| Equity capital to assets | 11.6699% | 2,372 |
| Core capital (leverage) ratio | 11.8566% | 1,865 |
| Tier 1 risk-based capital ratio | 12.7713% | 3,909 |
| Total risk-based capital ratio | 13.5367% | 4,064 |
| Memoranda: | ||
| Average total assets | $1,481,414,000 | 559 |
| Average earning assets | $1,423,869,600 | 532 |
| Average equity | $174,788,600 | 527 |
| Average total loans | $1,232,456,800 | 485 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8800% | 1,874 |
| Cost of funding earning assets | 1.3336% | 714 |
| Net interest margin | 3.5464% | 3,418 |
| Noninterest income to average assets | 0.0911% | 5,016 |
| Noninterest expense to average assets | 1.9614% | 4,625 |
| Loan and lease loss provision to assets | 0.0741% | 2,406 |
| Net operating income to assets | 1.1453% | 2,387 |
| Return on assets (ROA) | 1.1453% | 2,476 |
| Pretax return on assets | 1.4612% | 2,075 |
| Return on Equity (ROE) | 9.6779% | 2,585 |
| Retained earnings to average equity (ytd only) | 9.6779% | 837 |
| Net charge-offs to loans | 0.0160% | 2,832 |
| Credit loss provision to net charge-offs | 558.6207% | 580 |
| Earnings coverage of net charge-offs (x) | 115.6681% | 672 |
| Efficiency ratio | 56.0931% | 4,162 |
| Assets per employee ($millions) | 11.5480% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8278% | 4,320 |
| Loan loss allowance to noncurrent loans | 739.4026% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 4,252 |
| Noncurrent loans to loans | 0.1120% | 4,144 |
| Net loans and leases to total assets | 82.3303% | 526 |
| Net loans and leases to deposits | 97.8281% | 836 |
| Net loans and leases to core deposits | 135.8539% | 231 |
| Total domestic deposits to total assets | 84.1581% | 2,762 |
| Equity capital to assets | 11.8936% | 2,332 |
| Core capital (leverage) ratio | 11.9427% | 1,891 |
| Tier 1 risk-based capital ratio | 12.8832% | 3,912 |
| Total risk-based capital ratio | 13.6513% | 4,078 |
| Memoranda: | ||
| Average total assets | $1,456,524,750 | 565 |
| Average earning assets | $1,398,706,000 | 544 |
| Average equity | $172,361,250 | 538 |
| Average total loans | $1,209,188,000 | 495 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8447% | 1,918 |
| Cost of funding earning assets | 1.3081% | 725 |
| Net interest margin | 3.5367% | 3,482 |
| Noninterest income to average assets | 0.0906% | 5,074 |
| Noninterest expense to average assets | 1.9639% | 4,666 |
| Loan and lease loss provision to assets | 0.0842% | 2,163 |
| Net operating income to assets | 1.1295% | 2,406 |
| Return on assets (ROA) | 1.1295% | 2,478 |
| Pretax return on assets | 1.4399% | 2,067 |
| Return on Equity (ROE) | 9.5619% | 2,604 |
| Retained earnings to average equity (ytd only) | 9.5619% | 893 |
| Net charge-offs to loans | 0.0245% | 2,361 |
| Credit loss provision to net charge-offs | 414.3836% | 692 |
| Earnings coverage of net charge-offs (x) | 75.0411% | 855 |
| Efficiency ratio | 56.3053% | 4,215 |
| Assets per employee ($millions) | 10.5199% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8204% | 4,364 |
| Loan loss allowance to noncurrent loans | 724.7511% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 4,290 |
| Noncurrent loans to loans | 0.1132% | 4,167 |
| Net loans and leases to total assets | 82.4667% | 539 |
| Net loans and leases to deposits | 97.2891% | 908 |
| Net loans and leases to core deposits | 131.6755% | 293 |
| Total domestic deposits to total assets | 84.7646% | 2,575 |
| Equity capital to assets | 11.7082% | 2,435 |
| Core capital (leverage) ratio | 12.1597% | 1,719 |
| Tier 1 risk-based capital ratio | 12.7138% | 4,003 |
| Total risk-based capital ratio | 13.4738% | 4,155 |
| Memoranda: | ||
| Average total assets | $1,437,771,000 | 571 |
| Average earning assets | $1,381,130,670 | 551 |
| Average equity | $169,840,330 | 541 |
| Average total loans | $1,193,625,000 | 497 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8328% | 1,809 |
| Cost of funding earning assets | 1.3061% | 652 |
| Net interest margin | 3.5267% | 3,512 |
| Noninterest income to average assets | 0.0871% | 5,126 |
| Noninterest expense to average assets | 1.9768% | 4,687 |
| Loan and lease loss provision to assets | 0.0627% | 2,408 |
| Net operating income to assets | 1.1245% | 2,375 |
| Return on assets (ROA) | 1.1245% | 2,422 |
| Pretax return on assets | 1.4386% | 1,965 |
| Return on Equity (ROE) | 9.4746% | 2,600 |
| Retained earnings to average equity (ytd only) | 9.4746% | 1,174 |
| Net charge-offs to loans | 0.0578% | 1,463 |
| Credit loss provision to net charge-offs | 130.7692% | 1,351 |
| Earnings coverage of net charge-offs (x) | 31.3077% | 1,307 |
| Efficiency ratio | 56.8364% | 4,234 |
| Assets per employee ($millions) | 10.1089% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 4,415 |
| Loan loss allowance to noncurrent loans | 695.8037% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 4,316 |
| Noncurrent loans to loans | 0.1194% | 4,205 |
| Net loans and leases to total assets | 81.9122% | 597 |
| Net loans and leases to deposits | 98.8757% | 711 |
| Net loans and leases to core deposits | 129.2102% | 317 |
| Total domestic deposits to total assets | 82.8437% | 3,443 |
| Equity capital to assets | 11.8840% | 2,101 |
| Core capital (leverage) ratio | 12.0993% | 1,712 |
| Tier 1 risk-based capital ratio | 13.0475% | 3,853 |
| Total risk-based capital ratio | 13.8180% | 4,001 |
| Memoranda: | ||
| Average total assets | $1,409,742,500 | 580 |
| Average earning assets | $1,355,484,000 | 559 |
| Average equity | $167,310,500 | 548 |
| Average total loans | $1,169,387,000 | 508 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7433% | 1,698 |
| Cost of funding earning assets | 1.0408% | 636 |
| Net interest margin | 3.7024% | 3,025 |
| Noninterest income to average assets | 0.0988% | 5,154 |
| Noninterest expense to average assets | 2.2289% | 4,278 |
| Loan and lease loss provision to assets | 0.0841% | 2,448 |
| Net operating income to assets | 1.0648% | 2,742 |
| Return on assets (ROA) | 1.0648% | 2,725 |
| Pretax return on assets | 1.3427% | 2,351 |
| Return on Equity (ROE) | 8.6909% | 3,149 |
| Retained earnings to average equity (ytd only) | 8.6909% | 986 |
| Net charge-offs to loans | 0.0250% | 2,906 |
| Credit loss provision to net charge-offs | 401.8797% | 823 |
| Earnings coverage of net charge-offs (x) | 68.1466% | 949 |
| Efficiency ratio | 60.9685% | 3,697 |
| Assets per employee ($millions) | 9.9581% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 4,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 4,726 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 82.6121% | 570 |
| Net loans and leases to deposits | 101.0253% | 669 |
| Net loans and leases to core deposits | 136.8498% | 231 |
| Total domestic deposits to total assets | 81.7736% | 3,698 |
| Equity capital to assets | 11.8519% | 1,996 |
| Core capital (leverage) ratio | 12.2748% | 1,570 |
| Tier 1 risk-based capital ratio | 13.0503% | 3,822 |
| Total risk-based capital ratio | 13.8330% | 3,964 |
| Memoranda: | ||
| Average total assets | $1,270,379,600 | 617 |
| Average earning assets | $1,220,466,400 | 589 |
| Average equity | $155,645,800 | 554 |
| Average total loans | $1,064,747,800 | 529 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6868% | 1,714 |
| Cost of funding earning assets | 0.9704% | 685 |
| Net interest margin | 3.7165% | 2,960 |
| Noninterest income to average assets | 0.1005% | 5,211 |
| Noninterest expense to average assets | 2.2214% | 4,274 |
| Loan and lease loss provision to assets | 0.0716% | 2,528 |
| Net operating income to assets | 1.0927% | 2,697 |
| Return on assets (ROA) | 1.0927% | 2,713 |
| Pretax return on assets | 1.3753% | 2,323 |
| Return on Equity (ROE) | 8.8377% | 3,164 |
| Retained earnings to average equity (ytd only) | 8.8377% | 1,288 |
| Net charge-offs to loans | 0.0110% | 3,027 |
| Credit loss provision to net charge-offs | 774.4186% | 505 |
| Earnings coverage of net charge-offs (x) | 156.4122% | 522 |
| Efficiency ratio | 60.5554% | 3,733 |
| Assets per employee ($millions) | 9.1236% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 4,425 |
| Loan loss allowance to noncurrent loans | 1,760.7407% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 4,635 |
| Noncurrent loans to loans | 0.0488% | 4,677 |
| Net loans and leases to total assets | 82.9303% | 571 |
| Net loans and leases to deposits | 100.8075% | 717 |
| Net loans and leases to core deposits | 134.2374% | 267 |
| Total domestic deposits to total assets | 82.2660% | 3,538 |
| Equity capital to assets | 12.1644% | 1,792 |
| Core capital (leverage) ratio | 12.5997% | 1,455 |
| Tier 1 risk-based capital ratio | 13.3358% | 3,713 |
| Total risk-based capital ratio | 14.1336% | 3,874 |
| Memoranda: | ||
| Average total assets | $1,239,440,750 | 628 |
| Average earning assets | $1,189,883,500 | 601 |
| Average equity | $153,249,250 | 557 |
| Average total loans | $1,040,571,000 | 539 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 1,600 |
| Cost of funding earning assets | 0.8918% | 759 |
| Net interest margin | 3.7708% | 2,668 |
| Noninterest income to average assets | 0.1037% | 5,259 |
| Noninterest expense to average assets | 2.2271% | 4,308 |
| Loan and lease loss provision to assets | 0.0314% | 3,281 |
| Net operating income to assets | 1.1586% | 2,356 |
| Return on assets (ROA) | 1.1586% | 2,357 |
| Pretax return on assets | 1.4653% | 1,941 |
| Return on Equity (ROE) | 9.3158% | 2,885 |
| Retained earnings to average equity (ytd only) | 9.3158% | 1,120 |
| Net charge-offs to loans | 0.0169% | 2,580 |
| Credit loss provision to net charge-offs | 220.9302% | 1,221 |
| Earnings coverage of net charge-offs (x) | 105.4302% | 674 |
| Efficiency ratio | 59.8076% | 3,964 |
| Assets per employee ($millions) | 9.2341% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 4,476 |
| Loan loss allowance to noncurrent loans | 2,315.6410% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 4,705 |
| Noncurrent loans to loans | 0.0376% | 4,746 |
| Net loans and leases to total assets | 83.8192% | 474 |
| Net loans and leases to deposits | 105.4579% | 462 |
| Net loans and leases to core deposits | 139.3787% | 200 |
| Total domestic deposits to total assets | 79.4812% | 4,354 |
| Equity capital to assets | 12.8914% | 1,353 |
| Core capital (leverage) ratio | 12.7038% | 1,346 |
| Tier 1 risk-based capital ratio | 14.0263% | 3,351 |
| Total risk-based capital ratio | 14.8372% | 3,483 |
| Memoranda: | ||
| Average total assets | $1,211,614,330 | 639 |
| Average earning assets | $1,163,212,000 | 620 |
| Average equity | $150,690,670 | 558 |
| Average total loans | $1,018,558,000 | 548 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5992% | 1,572 |
| Cost of funding earning assets | 0.8592% | 732 |
| Net interest margin | 3.7400% | 2,647 |
| Noninterest income to average assets | 0.1110% | 5,286 |
| Noninterest expense to average assets | 2.1430% | 4,546 |
| Loan and lease loss provision to assets | 0.0632% | 2,508 |
| Net operating income to assets | 1.1857% | 2,071 |
| Return on assets (ROA) | 1.1857% | 2,081 |
| Pretax return on assets | 1.4945% | 1,695 |
| Return on Equity (ROE) | 9.7144% | 2,579 |
| Retained earnings to average equity (ytd only) | 9.7144% | 1,254 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9089% | 4,352 |
| Assets per employee ($millions) | 9.7800% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 4,440 |
| Loan loss allowance to noncurrent loans | 1,428.9969% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 4,674 |
| Noncurrent loans to loans | 0.0631% | 4,696 |
| Net loans and leases to total assets | 81.2513% | 755 |
| Net loans and leases to deposits | 103.3625% | 515 |
| Net loans and leases to core deposits | 181.5669% | 47 |
| Total domestic deposits to total assets | 78.6081% | 4,636 |
| Equity capital to assets | 12.5505% | 1,452 |
| Core capital (leverage) ratio | 12.9322% | 1,205 |
| Tier 1 risk-based capital ratio | 14.0194% | 3,376 |
| Total risk-based capital ratio | 14.8575% | 3,510 |
| Memoranda: | ||
| Average total assets | $1,203,357,000 | 649 |
| Average earning assets | $1,154,987,000 | 629 |
| Average equity | $146,874,500 | 578 |
| Average total loans | $1,008,617,500 | 556 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6038% | 1,415 |
| Cost of funding earning assets | 0.7538% | 807 |
| Net interest margin | 3.8500% | 2,253 |
| Noninterest income to average assets | 0.1090% | 5,375 |
| Noninterest expense to average assets | 2.1338% | 4,689 |
| Loan and lease loss provision to assets | 0.1232% | 1,859 |
| Net operating income to assets | 0.8565% | 2,925 |
| Return on assets (ROA) | 0.8565% | 2,946 |
| Pretax return on assets | 1.5329% | 1,513 |
| Return on Equity (ROE) | 7.4739% | 3,049 |
| Retained earnings to average equity (ytd only) | 7.4739% | 930 |
| Net charge-offs to loans | 0.0691% | 2,463 |
| Credit loss provision to net charge-offs | 211.0092% | 1,290 |
| Earnings coverage of net charge-offs (x) | 28.3731% | 1,604 |
| Efficiency ratio | 56.3018% | 4,740 |
| Assets per employee ($millions) | 9.3955% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8866% | 4,537 |
| Loan loss allowance to noncurrent loans | 1,397.0266% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 4,691 |
| Noncurrent loans to loans | 0.0635% | 4,706 |
| Net loans and leases to total assets | 84.9727% | 349 |
| Net loans and leases to deposits | 109.4688% | 286 |
| Net loans and leases to core deposits | 192.6425% | 43 |
| Total domestic deposits to total assets | 77.6227% | 4,773 |
| Equity capital to assets | 11.8433% | 1,946 |
| Core capital (leverage) ratio | 11.8867% | 1,673 |
| Tier 1 risk-based capital ratio | 12.4332% | 4,245 |
| Total risk-based capital ratio | 13.2505% | 4,413 |
| Memoranda: | ||
| Average total assets | $1,120,462,800 | 660 |
| Average earning assets | $1,071,247,600 | 635 |
| Average equity | $128,406,200 | 642 |
| Average total loans | $946,113,400 | 562 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5512% | 1,499 |
| Cost of funding earning assets | 0.7342% | 826 |
| Net interest margin | 3.8170% | 2,335 |
| Noninterest income to average assets | 0.1160% | 5,416 |
| Noninterest expense to average assets | 2.1145% | 4,703 |
| Loan and lease loss provision to assets | 0.1379% | 1,553 |
| Net operating income to assets | 0.9885% | 2,607 |
| Return on assets (ROA) | 0.9885% | 2,664 |
| Pretax return on assets | 1.5109% | 1,737 |
| Return on Equity (ROE) | 8.7028% | 2,762 |
| Retained earnings to average equity (ytd only) | 8.7028% | 947 |
| Net charge-offs to loans | 0.0471% | 2,498 |
| Credit loss provision to net charge-offs | 348.0243% | 869 |
| Earnings coverage of net charge-offs (x) | 41.6075% | 1,262 |
| Efficiency ratio | 56.1882% | 4,718 |
| Assets per employee ($millions) | 9.2264% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 4,429 |
| Loan loss allowance to noncurrent loans | 394.2720% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 4,130 |
| Noncurrent loans to loans | 0.2358% | 4,114 |
| Net loans and leases to total assets | 83.3112% | 510 |
| Net loans and leases to deposits | 105.3178% | 443 |
| Net loans and leases to core deposits | 180.0459% | 53 |
| Total domestic deposits to total assets | 79.1046% | 4,511 |
| Equity capital to assets | 11.9428% | 2,004 |
| Core capital (leverage) ratio | 12.0062% | 1,682 |
| Tier 1 risk-based capital ratio | 12.4906% | 4,322 |
| Total risk-based capital ratio | 13.3291% | 4,446 |
| Memoranda: | ||
| Average total assets | $1,106,970,500 | 670 |
| Average earning assets | $1,057,777,250 | 644 |
| Average equity | $125,734,750 | 658 |
| Average total loans | $930,923,500 | 570 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 1,561 |
| Cost of funding earning assets | 0.7097% | 851 |
| Net interest margin | 3.7739% | 2,390 |
| Noninterest income to average assets | 0.1206% | 5,449 |
| Noninterest expense to average assets | 2.1387% | 4,696 |
| Loan and lease loss provision to assets | 0.1182% | 1,737 |
| Net operating income to assets | 0.9825% | 2,518 |
| Return on assets (ROA) | 0.9825% | 2,562 |
| Pretax return on assets | 1.4677% | 1,769 |
| Return on Equity (ROE) | 8.8094% | 2,599 |
| Retained earnings to average equity (ytd only) | 8.8094% | 897 |
| Net charge-offs to loans | -0.0035% | 4,262 |
| Credit loss provision to net charge-offs | -4,031.2500% | 5,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4212% | 4,663 |
| Assets per employee ($millions) | 9.0928% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 4,459 |
| Loan loss allowance to noncurrent loans | 260.9246% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 3,908 |
| Noncurrent loans to loans | 0.3610% | 3,736 |
| Net loans and leases to total assets | 83.3218% | 511 |
| Net loans and leases to deposits | 106.0165% | 397 |
| Net loans and leases to core deposits | 185.2146% | 54 |
| Total domestic deposits to total assets | 78.5932% | 4,711 |
| Equity capital to assets | 11.1509% | 2,655 |
| Core capital (leverage) ratio | 11.4894% | 1,974 |
| Tier 1 risk-based capital ratio | 11.5883% | 4,897 |
| Total risk-based capital ratio | 12.4332% | 5,044 |
| Memoranda: | ||
| Average total assets | $1,091,526,330 | 684 |
| Average earning assets | $1,042,362,000 | 653 |
| Average equity | $121,734,000 | 679 |
| Average total loans | $917,948,670 | 582 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4238% | 1,574 |
| Cost of funding earning assets | 0.6933% | 867 |
| Net interest margin | 3.7304% | 2,381 |
| Noninterest income to average assets | 0.1291% | 5,473 |
| Noninterest expense to average assets | 2.2002% | 4,644 |
| Loan and lease loss provision to assets | 0.0983% | 1,922 |
| Net operating income to assets | 0.9317% | 2,603 |
| Return on assets (ROA) | 0.9317% | 2,658 |
| Pretax return on assets | 1.3980% | 1,901 |
| Return on Equity (ROE) | 8.3530% | 2,747 |
| Retained earnings to average equity (ytd only) | 8.3530% | 1,324 |
| Net charge-offs to loans | -0.0035% | 4,090 |
| Credit loss provision to net charge-offs | -3,312.5000% | 4,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5202% | 4,526 |
| Assets per employee ($millions) | 9.2393% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9224% | 4,668 |
| Loan loss allowance to noncurrent loans | 249.3820% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.3143% | 3,934 |
| Noncurrent loans to loans | 0.3699% | 3,771 |
| Net loans and leases to total assets | 84.2005% | 347 |
| Net loans and leases to deposits | 108.8282% | 240 |
| Net loans and leases to core deposits | 178.6504% | 49 |
| Total domestic deposits to total assets | 77.3701% | 5,059 |
| Equity capital to assets | 11.2575% | 2,380 |
| Core capital (leverage) ratio | 11.3820% | 2,037 |
| Tier 1 risk-based capital ratio | 11.4845% | 5,038 |
| Total risk-based capital ratio | 12.3046% | 5,183 |
| Memoranda: | ||
| Average total assets | $1,078,081,000 | 698 |
| Average earning assets | $1,030,977,000 | 667 |
| Average equity | $120,244,000 | 684 |
| Average total loans | $906,550,000 | 593 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 1,590 |
| Cost of funding earning assets | 0.6618% | 995 |
| Net interest margin | 3.8202% | 2,248 |
| Noninterest income to average assets | 0.1036% | 5,635 |
| Noninterest expense to average assets | 2.1241% | 4,955 |
| Loan and lease loss provision to assets | 0.3858% | 414 |
| Net operating income to assets | 0.8405% | 3,107 |
| Return on assets (ROA) | 0.8405% | 3,218 |
| Pretax return on assets | 1.2497% | 2,475 |
| Return on Equity (ROE) | 7.3166% | 3,310 |
| Retained earnings to average equity (ytd only) | 7.3166% | 1,107 |
| Net charge-offs to loans | 0.3306% | 832 |
| Credit loss provision to net charge-offs | 139.1527% | 1,960 |
| Earnings coverage of net charge-offs (x) | 5.8992% | 3,262 |
| Efficiency ratio | 56.4988% | 5,014 |
| Assets per employee ($millions) | 9.6862% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 4,712 |
| Loan loss allowance to noncurrent loans | 14,912.7273% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 5,414 |
| Noncurrent loans to loans | 0.0061% | 5,288 |
| Net loans and leases to total assets | 82.4263% | 548 |
| Net loans and leases to deposits | 106.4062% | 327 |
| Net loans and leases to core deposits | 167.8860% | 64 |
| Total domestic deposits to total assets | 77.4639% | 5,052 |
| Equity capital to assets | 11.0490% | 2,592 |
| Core capital (leverage) ratio | 11.4767% | 1,947 |
| Tier 1 risk-based capital ratio | 11.5155% | 5,050 |
| Total risk-based capital ratio | 12.3281% | 5,195 |
| Memoranda: | ||
| Average total assets | $987,614,600 | 733 |
| Average earning assets | $945,169,000 | 697 |
| Average equity | $113,454,200 | 705 |
| Average total loans | $828,102,400 | 618 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 1,560 |
| Cost of funding earning assets | 0.6622% | 995 |
| Net interest margin | 3.8320% | 2,219 |
| Noninterest income to average assets | 0.1016% | 5,705 |
| Noninterest expense to average assets | 2.1471% | 4,896 |
| Loan and lease loss provision to assets | 0.4597% | 288 |
| Net operating income to assets | 0.7729% | 3,496 |
| Return on assets (ROA) | 0.7729% | 3,639 |
| Pretax return on assets | 1.1626% | 2,993 |
| Return on Equity (ROE) | 6.6570% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.6570% | 1,812 |
| Net charge-offs to loans | 0.4372% | 491 |
| Credit loss provision to net charge-offs | 125.1409% | 2,020 |
| Earnings coverage of net charge-offs (x) | 4.4160% | 3,271 |
| Efficiency ratio | 56.9608% | 4,953 |
| Assets per employee ($millions) | 9.1665% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 4,825 |
| Loan loss allowance to noncurrent loans | 2,234.6705% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 5,351 |
| Noncurrent loans to loans | 0.0409% | 5,201 |
| Net loans and leases to total assets | 83.1155% | 500 |
| Net loans and leases to deposits | 106.5253% | 361 |
| Net loans and leases to core deposits | 162.5697% | 85 |
| Total domestic deposits to total assets | 78.0242% | 4,909 |
| Equity capital to assets | 11.4218% | 2,582 |
| Core capital (leverage) ratio | 11.6884% | 1,899 |
| Tier 1 risk-based capital ratio | 11.7045% | 4,978 |
| Total risk-based capital ratio | 12.5105% | 5,122 |
| Memoranda: | ||
| Average total assets | $965,726,750 | 750 |
| Average earning assets | $924,365,750 | 719 |
| Average equity | $112,119,000 | 716 |
| Average total loans | $811,522,500 | 623 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 1,504 |
| Cost of funding earning assets | 0.6638% | 970 |
| Net interest margin | 3.8382% | 2,179 |
| Noninterest income to average assets | 0.0991% | 5,782 |
| Noninterest expense to average assets | 2.2046% | 4,831 |
| Loan and lease loss provision to assets | 0.6273% | 177 |
| Net operating income to assets | 0.6294% | 4,147 |
| Return on assets (ROA) | 0.6294% | 4,281 |
| Pretax return on assets | 0.9457% | 3,789 |
| Return on Equity (ROE) | 5.3903% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.3903% | 2,492 |
| Net charge-offs to loans | 0.4852% | 453 |
| Credit loss provision to net charge-offs | 153.7468% | 1,562 |
| Earnings coverage of net charge-offs (x) | 3.8553% | 3,050 |
| Efficiency ratio | 58.3589% | 4,853 |
| Assets per employee ($millions) | 9.0330% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 4,538 |
| Loan loss allowance to noncurrent loans | 245.6842% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 4,124 |
| Noncurrent loans to loans | 0.4064% | 3,902 |
| Net loans and leases to total assets | 83.0358% | 513 |
| Net loans and leases to deposits | 106.2618% | 357 |
| Net loans and leases to core deposits | 165.8297% | 75 |
| Total domestic deposits to total assets | 78.1426% | 4,973 |
| Equity capital to assets | 11.5598% | 2,483 |
| Core capital (leverage) ratio | 11.8550% | 1,724 |
| Tier 1 risk-based capital ratio | 11.8064% | 4,968 |
| Total risk-based capital ratio | 12.6819% | 5,090 |
| Memoranda: | ||
| Average total assets | $948,476,670 | 763 |
| Average earning assets | $909,008,670 | 732 |
| Average equity | $110,754,000 | 728 |
| Average total loans | $797,536,670 | 626 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5155% | 1,466 |
| Cost of funding earning assets | 0.6680% | 957 |
| Net interest margin | 3.8475% | 2,113 |
| Noninterest income to average assets | 0.0834% | 5,877 |
| Noninterest expense to average assets | 2.2500% | 4,781 |
| Loan and lease loss provision to assets | 1.1701% | 79 |
| Net operating income to assets | 0.2396% | 5,450 |
| Return on assets (ROA) | 0.2396% | 5,514 |
| Pretax return on assets | 0.3620% | 5,375 |
| Return on Equity (ROE) | 2.0411% | 5,493 |
| Retained earnings to average equity (ytd only) | 2.0411% | 4,442 |
| Net charge-offs to loans | 0.9832% | 194 |
| Credit loss provision to net charge-offs | 141.3437% | 1,312 |
| Earnings coverage of net charge-offs (x) | 1.8506% | 2,767 |
| Efficiency ratio | 59.4910% | 4,813 |
| Assets per employee ($millions) | 8.7152% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 4,609 |
| Loan loss allowance to noncurrent loans | 153.8715% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.5475% | 3,423 |
| Noncurrent loans to loans | 0.6501% | 3,222 |
| Net loans and leases to total assets | 83.3663% | 422 |
| Net loans and leases to deposits | 106.3157% | 329 |
| Net loans and leases to core deposits | 157.4321% | 91 |
| Total domestic deposits to total assets | 78.4139% | 5,071 |
| Equity capital to assets | 11.7065% | 2,237 |
| Core capital (leverage) ratio | 11.8033% | 1,744 |
| Tier 1 risk-based capital ratio | 12.3440% | 4,697 |
| Total risk-based capital ratio | 13.2536% | 4,833 |
| Memoranda: | ||
| Average total assets | $934,932,500 | 776 |
| Average earning assets | $898,773,500 | 736 |
| Average equity | $109,744,500 | 738 |
| Average total loans | $787,186,500 | 630 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6871% | 1,134 |
| Cost of funding earning assets | 0.6283% | 1,189 |
| Net interest margin | 4.0589% | 1,530 |
| Noninterest income to average assets | 0.0675% | 5,960 |
| Noninterest expense to average assets | 2.2489% | 4,926 |
| Loan and lease loss provision to assets | 0.1396% | 1,698 |
| Net operating income to assets | 1.0342% | 2,194 |
| Return on assets (ROA) | 1.0342% | 2,281 |
| Pretax return on assets | 1.6070% | 1,225 |
| Return on Equity (ROE) | 8.4916% | 2,714 |
| Retained earnings to average equity (ytd only) | 8.4916% | 783 |
| Net charge-offs to loans | 0.0782% | 2,702 |
| Credit loss provision to net charge-offs | 208.9005% | 1,345 |
| Earnings coverage of net charge-offs (x) | 26.1344% | 1,603 |
| Efficiency ratio | 56.2850% | 5,318 |
| Assets per employee ($millions) | 8.7606% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9120% | 5,043 |
| Loan loss allowance to noncurrent loans | 241.1228% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 4,320 |
| Noncurrent loans to loans | 0.3782% | 4,092 |
| Net loans and leases to total assets | 83.4177% | 439 |
| Net loans and leases to deposits | 105.9903% | 363 |
| Net loans and leases to core deposits | 152.2590% | 101 |
| Total domestic deposits to total assets | 78.7031% | 5,030 |
| Equity capital to assets | 11.7704% | 2,134 |
| Core capital (leverage) ratio | 12.1131% | 1,549 |
| Tier 1 risk-based capital ratio | 12.7021% | 4,505 |
| Total risk-based capital ratio | 13.5489% | 4,657 |
| Memoranda: | ||
| Average total assets | $857,369,400 | 805 |
| Average earning assets | $829,717,400 | 751 |
| Average equity | $104,421,200 | 739 |
| Average total loans | $733,090,600 | 637 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7195% | 1,062 |
| Cost of funding earning assets | 0.6192% | 1,285 |
| Net interest margin | 4.1003% | 1,406 |
| Noninterest income to average assets | 0.0670% | 6,054 |
| Noninterest expense to average assets | 2.2464% | 4,920 |
| Loan and lease loss provision to assets | 0.1671% | 1,264 |
| Net operating income to assets | 1.0407% | 2,270 |
| Return on assets (ROA) | 1.0407% | 2,364 |
| Pretax return on assets | 1.6200% | 1,331 |
| Return on Equity (ROE) | 8.4661% | 2,839 |
| Retained earnings to average equity (ytd only) | 8.4661% | 1,066 |
| Net charge-offs to loans | 0.1149% | 1,979 |
| Credit loss provision to net charge-offs | 169.4042% | 1,538 |
| Earnings coverage of net charge-offs (x) | 18.1208% | 2,017 |
| Efficiency ratio | 55.6934% | 5,391 |
| Assets per employee ($millions) | 8.3447% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 5,182 |
| Loan loss allowance to noncurrent loans | 1,905.7692% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 5,147 |
| Noncurrent loans to loans | 0.0476% | 5,430 |
| Net loans and leases to total assets | 85.6918% | 248 |
| Net loans and leases to deposits | 109.7044% | 258 |
| Net loans and leases to core deposits | 159.4668% | 75 |
| Total domestic deposits to total assets | 78.1116% | 5,160 |
| Equity capital to assets | 12.0904% | 2,039 |
| Core capital (leverage) ratio | 12.1753% | 1,582 |
| Tier 1 risk-based capital ratio | 12.6873% | 4,623 |
| Total risk-based capital ratio | 13.5289% | 4,799 |
| Memoranda: | ||
| Average total assets | $839,556,750 | 830 |
| Average earning assets | $812,148,000 | 773 |
| Average equity | $103,201,000 | 753 |
| Average total loans | $720,922,500 | 650 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7196% | 1,030 |
| Cost of funding earning assets | 0.6061% | 1,371 |
| Net interest margin | 4.1135% | 1,319 |
| Noninterest income to average assets | 0.0650% | 6,131 |
| Noninterest expense to average assets | 2.2717% | 4,918 |
| Loan and lease loss provision to assets | 0.1412% | 1,546 |
| Net operating income to assets | 1.0449% | 2,160 |
| Return on assets (ROA) | 1.0449% | 2,270 |
| Pretax return on assets | 1.6258% | 1,263 |
| Return on Equity (ROE) | 8.4509% | 2,818 |
| Retained earnings to average equity (ytd only) | 8.4509% | 1,098 |
| Net charge-offs to loans | 0.0790% | 2,260 |
| Credit loss provision to net charge-offs | 208.6022% | 1,191 |
| Earnings coverage of net charge-offs (x) | 26.1111% | 1,495 |
| Efficiency ratio | 56.2489% | 5,407 |
| Assets per employee ($millions) | 8.5577% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 5,155 |
| Loan loss allowance to noncurrent loans | 907.8667% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 5,045 |
| Noncurrent loans to loans | 0.1033% | 5,334 |
| Net loans and leases to total assets | 84.0858% | 366 |
| Net loans and leases to deposits | 107.7196% | 316 |
| Net loans and leases to core deposits | 159.7692% | 79 |
| Total domestic deposits to total assets | 78.0599% | 5,271 |
| Equity capital to assets | 12.1780% | 1,890 |
| Core capital (leverage) ratio | 12.1168% | 1,589 |
| Tier 1 risk-based capital ratio | 12.6101% | 4,738 |
| Total risk-based capital ratio | 13.4760% | 4,884 |
| Memoranda: | ||
| Average total assets | $824,563,330 | 856 |
| Average earning assets | $796,553,670 | 794 |
| Average equity | $101,953,330 | 764 |
| Average total loans | $706,259,000 | 661 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 1,060 |
| Cost of funding earning assets | 0.5873% | 1,521 |
| Net interest margin | 4.0970% | 1,285 |
| Noninterest income to average assets | 0.0692% | 6,179 |
| Noninterest expense to average assets | 2.3052% | 4,867 |
| Loan and lease loss provision to assets | 0.1043% | 1,966 |
| Net operating income to assets | 1.0418% | 2,068 |
| Return on assets (ROA) | 1.0418% | 2,213 |
| Pretax return on assets | 1.6124% | 1,241 |
| Return on Equity (ROE) | 8.3593% | 2,776 |
| Retained earnings to average equity (ytd only) | 8.3593% | 1,430 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3150% | 5,410 |
| Assets per employee ($millions) | 8.4804% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 5,258 |
| Loan loss allowance to noncurrent loans | 382.7350% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 5,103 |
| Noncurrent loans to loans | 0.2475% | 4,891 |
| Net loans and leases to total assets | 84.5147% | 282 |
| Net loans and leases to deposits | 107.9478% | 259 |
| Net loans and leases to core deposits | 153.8992% | 90 |
| Total domestic deposits to total assets | 78.2922% | 5,397 |
| Equity capital to assets | 12.2726% | 1,840 |
| Core capital (leverage) ratio | 12.7702% | 1,245 |
| Tier 1 risk-based capital ratio | 13.0126% | 4,597 |
| Total risk-based capital ratio | 13.9015% | 4,728 |
| Memoranda: | ||
| Average total assets | $808,959,000 | 876 |
| Average earning assets | $780,466,500 | 821 |
| Average equity | $100,822,000 | 772 |
| Average total loans | $696,192,500 | 666 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9253% | 883 |
| Cost of funding earning assets | 0.6271% | 1,557 |
| Net interest margin | 4.2982% | 1,061 |
| Noninterest income to average assets | 0.0642% | 6,262 |
| Noninterest expense to average assets | 2.3541% | 4,962 |
| Loan and lease loss provision to assets | 0.1408% | 1,883 |
| Net operating income to assets | 1.1091% | 1,946 |
| Return on assets (ROA) | 1.1091% | 1,993 |
| Pretax return on assets | 1.7137% | 957 |
| Return on Equity (ROE) | 8.4255% | 2,892 |
| Retained earnings to average equity (ytd only) | 8.4255% | 858 |
| Net charge-offs to loans | 0.0417% | 3,989 |
| Credit loss provision to net charge-offs | 391.5385% | 664 |
| Earnings coverage of net charge-offs (x) | 51.5692% | 910 |
| Efficiency ratio | 55.9353% | 5,671 |
| Assets per employee ($millions) | 8.1117% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9522% | 5,283 |
| Loan loss allowance to noncurrent loans | 369.2395% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 5,130 |
| Noncurrent loans to loans | 0.2579% | 4,916 |
| Net loans and leases to total assets | 86.0122% | 204 |
| Net loans and leases to deposits | 109.5795% | 252 |
| Net loans and leases to core deposits | 160.3737% | 83 |
| Total domestic deposits to total assets | 78.4930% | 5,349 |
| Equity capital to assets | 12.6645% | 1,563 |
| Core capital (leverage) ratio | 13.0726% | 1,108 |
| Tier 1 risk-based capital ratio | 13.1453% | 4,626 |
| Total risk-based capital ratio | 14.0251% | 4,783 |
| Memoranda: | ||
| Average total assets | $723,001,200 | 932 |
| Average earning assets | $697,134,600 | 882 |
| Average equity | $95,175,000 | 775 |
| Average total loans | $623,295,000 | 703 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9263% | 879 |
| Cost of funding earning assets | 0.6307% | 1,593 |
| Net interest margin | 4.2956% | 1,062 |
| Noninterest income to average assets | 0.0641% | 6,345 |
| Noninterest expense to average assets | 2.3672% | 4,922 |
| Loan and lease loss provision to assets | 0.1350% | 1,845 |
| Net operating income to assets | 1.0992% | 2,032 |
| Return on assets (ROA) | 1.0992% | 2,100 |
| Pretax return on assets | 1.7049% | 1,055 |
| Return on Equity (ROE) | 8.2629% | 3,058 |
| Retained earnings to average equity (ytd only) | 8.2629% | 1,238 |
| Net charge-offs to loans | 0.0572% | 3,398 |
| Credit loss provision to net charge-offs | 274.3295% | 979 |
| Earnings coverage of net charge-offs (x) | 37.3833% | 1,182 |
| Efficiency ratio | 56.2662% | 5,637 |
| Assets per employee ($millions) | 8.3327% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 5,422 |
| Loan loss allowance to noncurrent loans | 960.2167% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 5,823 |
| Noncurrent loans to loans | 0.0991% | 5,641 |
| Net loans and leases to total assets | 85.1345% | 254 |
| Net loans and leases to deposits | 107.9384% | 266 |
| Net loans and leases to core deposits | 163.6404% | 74 |
| Total domestic deposits to total assets | 78.8732% | 5,355 |
| Equity capital to assets | 12.8425% | 1,507 |
| Core capital (leverage) ratio | 13.1912% | 1,103 |
| Tier 1 risk-based capital ratio | 13.5018% | 4,537 |
| Total risk-based capital ratio | 14.3825% | 4,707 |
| Memoranda: | ||
| Average total assets | $707,042,000 | 955 |
| Average earning assets | $681,923,750 | 907 |
| Average equity | $94,056,500 | 785 |
| Average total loans | $608,298,000 | 721 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9460% | 824 |
| Cost of funding earning assets | 0.6278% | 1,658 |
| Net interest margin | 4.3182% | 987 |
| Noninterest income to average assets | 0.0606% | 6,411 |
| Noninterest expense to average assets | 2.3984% | 4,886 |
| Loan and lease loss provision to assets | 0.1293% | 1,910 |
| Net operating income to assets | 1.0948% | 1,967 |
| Return on assets (ROA) | 1.0948% | 2,024 |
| Pretax return on assets | 1.7041% | 1,013 |
| Return on Equity (ROE) | 8.1271% | 3,025 |
| Retained earnings to average equity (ytd only) | 8.1271% | 1,281 |
| Net charge-offs to loans | -0.0003% | 5,017 |
| Credit loss provision to net charge-offs | -44,600.0000% | 5,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6751% | 5,683 |
| Assets per employee ($millions) | 7.8413% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 5,341 |
| Loan loss allowance to noncurrent loans | 833.7820% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 5,846 |
| Noncurrent loans to loans | 0.1201% | 5,658 |
| Net loans and leases to total assets | 84.8796% | 244 |
| Net loans and leases to deposits | 106.8822% | 272 |
| Net loans and leases to core deposits | 164.2262% | 71 |
| Total domestic deposits to total assets | 79.4141% | 5,362 |
| Equity capital to assets | 13.1969% | 1,270 |
| Core capital (leverage) ratio | 13.5709% | 956 |
| Tier 1 risk-based capital ratio | 13.9226% | 4,301 |
| Total risk-based capital ratio | 14.8540% | 4,460 |
| Memoranda: | ||
| Average total assets | $689,963,670 | 977 |
| Average earning assets | $666,484,330 | 931 |
| Average equity | $92,948,000 | 785 |
| Average total loans | $593,811,330 | 732 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 772 |
| Cost of funding earning assets | 0.6204% | 1,810 |
| Net interest margin | 4.3432% | 914 |
| Noninterest income to average assets | 0.0587% | 6,463 |
| Noninterest expense to average assets | 2.4175% | 4,876 |
| Loan and lease loss provision to assets | 0.1139% | 2,055 |
| Net operating income to assets | 1.1023% | 1,806 |
| Return on assets (ROA) | 1.1023% | 1,864 |
| Pretax return on assets | 1.7222% | 930 |
| Return on Equity (ROE) | 8.0941% | 2,883 |
| Retained earnings to average equity (ytd only) | 8.0941% | 1,562 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8340% | 5,770 |
| Assets per employee ($millions) | 7.6216% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 5,499 |
| Loan loss allowance to noncurrent loans | 390.0197% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 5,544 |
| Noncurrent loans to loans | 0.2579% | 5,329 |
| Net loans and leases to total assets | 85.2102% | 178 |
| Net loans and leases to deposits | 107.9089% | 193 |
| Net loans and leases to core deposits | 163.9868% | 65 |
| Total domestic deposits to total assets | 78.9650% | 5,691 |
| Equity capital to assets | 13.5539% | 1,082 |
| Core capital (leverage) ratio | 13.8298% | 879 |
| Tier 1 risk-based capital ratio | 14.4966% | 4,013 |
| Total risk-based capital ratio | 15.4484% | 4,141 |
| Memoranda: | ||
| Average total assets | $674,244,000 | 1,009 |
| Average earning assets | $651,228,000 | 955 |
| Average equity | $91,820,500 | 796 |
| Average total loans | $581,457,500 | 751 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1760% | 680 |
| Cost of funding earning assets | 0.6722% | 2,021 |
| Net interest margin | 4.5038% | 731 |
| Noninterest income to average assets | 0.0627% | 6,513 |
| Noninterest expense to average assets | 2.4895% | 4,796 |
| Loan and lease loss provision to assets | 0.1257% | 2,739 |
| Net operating income to assets | 1.1727% | 1,676 |
| Return on assets (ROA) | 1.1727% | 1,733 |
| Pretax return on assets | 1.8131% | 734 |
| Return on Equity (ROE) | 11.3520% | 1,655 |
| Retained earnings to average equity (ytd only) | 11.3520% | 382 |
| Net charge-offs to loans | 0.0118% | 5,219 |
| Credit loss provision to net charge-offs | 1,206.3492% | 204 |
| Earnings coverage of net charge-offs (x) | 186.0317% | 246 |
| Efficiency ratio | 56.2180% | 5,929 |
| Assets per employee ($millions) | 8.1795% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 5,541 |
| Loan loss allowance to noncurrent loans | 2,144.7761% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 6,251 |
| Noncurrent loans to loans | 0.0468% | 6,092 |
| Net loans and leases to total assets | 85.5388% | 177 |
| Net loans and leases to deposits | 110.0603% | 172 |
| Net loans and leases to core deposits | 169.8181% | 58 |
| Total domestic deposits to total assets | 77.7200% | 5,868 |
| Equity capital to assets | 13.6849% | 998 |
| Core capital (leverage) ratio | 14.1228% | 798 |
| Tier 1 risk-based capital ratio | 14.7654% | 3,809 |
| Total risk-based capital ratio | 15.7229% | 3,910 |
| Memoranda: | ||
| Average total assets | $604,498,600 | 1,099 |
| Average earning assets | $585,948,800 | 1,045 |
| Average equity | $62,447,400 | 1,155 |
| Average total loans | $533,627,600 | 795 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2213% | 617 |
| Cost of funding earning assets | 0.6781% | 2,109 |
| Net interest margin | 4.5432% | 687 |
| Noninterest income to average assets | 0.0621% | 6,595 |
| Noninterest expense to average assets | 2.5442% | 4,577 |
| Loan and lease loss provision to assets | 0.1241% | 2,739 |
| Net operating income to assets | 1.1722% | 1,732 |
| Return on assets (ROA) | 1.1722% | 1,802 |
| Pretax return on assets | 1.7998% | 914 |
| Return on Equity (ROE) | 12.4852% | 1,356 |
| Retained earnings to average equity (ytd only) | 12.4852% | 374 |
| Net charge-offs to loans | 0.0028% | 5,156 |
| Credit loss provision to net charge-offs | 4,990.9091% | 65 |
| Earnings coverage of net charge-offs (x) | 773.7137% | 66 |
| Efficiency ratio | 56.9420% | 5,809 |
| Assets per employee ($millions) | 7.6518% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 5,629 |
| Loan loss allowance to noncurrent loans | 889.9682% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 6,135 |
| Noncurrent loans to loans | 0.1148% | 5,988 |
| Net loans and leases to total assets | 86.2886% | 140 |
| Net loans and leases to deposits | 105.0441% | 261 |
| Net loans and leases to core deposits | 160.9633% | 73 |
| Total domestic deposits to total assets | 82.1451% | 4,872 |
| Equity capital to assets | 9.2154% | 4,912 |
| Core capital (leverage) ratio | 9.4577% | 4,463 |
| Tier 1 risk-based capital ratio | 9.6742% | 6,662 |
| Total risk-based capital ratio | 10.6275% | 6,671 |
| Memoranda: | ||
| Average total assets | $589,988,250 | 1,142 |
| Average earning assets | $572,152,000 | 1,073 |
| Average equity | $55,392,250 | 1,298 |
| Average total loans | $523,915,250 | 816 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2525% | 579 |
| Cost of funding earning assets | 0.6752% | 2,264 |
| Net interest margin | 4.5772% | 621 |
| Noninterest income to average assets | 0.0623% | 6,633 |
| Noninterest expense to average assets | 2.5984% | 4,394 |
| Loan and lease loss provision to assets | 0.1306% | 2,689 |
| Net operating income to assets | 1.1609% | 1,693 |
| Return on assets (ROA) | 1.1609% | 1,810 |
| Pretax return on assets | 1.7728% | 977 |
| Return on Equity (ROE) | 12.2824% | 1,409 |
| Retained earnings to average equity (ytd only) | 12.2824% | 450 |
| Net charge-offs to loans | 0.0043% | 4,826 |
| Credit loss provision to net charge-offs | 3,427.2727% | 92 |
| Earnings coverage of net charge-offs (x) | 499.6364% | 90 |
| Efficiency ratio | 57.7198% | 5,777 |
| Assets per employee ($millions) | 7.6490% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 5,758 |
| Loan loss allowance to noncurrent loans | 1,133.2636% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 6,257 |
| Noncurrent loans to loans | 0.0896% | 6,130 |
| Net loans and leases to total assets | 88.5070% | 75 |
| Net loans and leases to deposits | 109.1957% | 159 |
| Net loans and leases to core deposits | 169.0665% | 60 |
| Total domestic deposits to total assets | 81.0536% | 5,329 |
| Equity capital to assets | 9.3692% | 4,756 |
| Core capital (leverage) ratio | 9.7780% | 3,822 |
| Tier 1 risk-based capital ratio | 9.8029% | 6,675 |
| Total risk-based capital ratio | 10.7683% | 6,698 |
| Memoranda: | ||
| Average total assets | $577,501,670 | 1,164 |
| Average earning assets | $560,118,670 | 1,093 |
| Average equity | $54,582,330 | 1,321 |
| Average total loans | $516,218,670 | 820 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2709% | 535 |
| Cost of funding earning assets | 0.6752% | 2,435 |
| Net interest margin | 4.5957% | 566 |
| Noninterest income to average assets | 0.0662% | 6,684 |
| Noninterest expense to average assets | 2.6306% | 4,307 |
| Loan and lease loss provision to assets | 0.1761% | 2,107 |
| Net operating income to assets | 1.1445% | 1,703 |
| Return on assets (ROA) | 1.1445% | 1,813 |
| Pretax return on assets | 1.7129% | 1,044 |
| Return on Equity (ROE) | 12.0540% | 1,407 |
| Retained earnings to average equity (ytd only) | 12.0540% | 695 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2048% | 5,824 |
| Assets per employee ($millions) | 7.5328% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 5,904 |
| Loan loss allowance to noncurrent loans | 1,066.5996% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 6,332 |
| Noncurrent loans to loans | 0.0960% | 6,189 |
| Net loans and leases to total assets | 89.4598% | 46 |
| Net loans and leases to deposits | 110.2331% | 127 |
| Net loans and leases to core deposits | 164.6233% | 66 |
| Total domestic deposits to total assets | 81.1551% | 5,461 |
| Equity capital to assets | 9.5693% | 4,756 |
| Core capital (leverage) ratio | 9.6943% | 3,800 |
| Tier 1 risk-based capital ratio | 9.8632% | 6,711 |
| Total risk-based capital ratio | 10.8437% | 6,734 |
| Memoranda: | ||
| Average total assets | $567,940,500 | 1,194 |
| Average earning assets | $550,344,500 | 1,118 |
| Average equity | $53,924,000 | 1,353 |
| Average total loans | $507,592,500 | 837 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3801% | 790 |
| Cost of funding earning assets | 0.7769% | 2,856 |
| Net interest margin | 4.6032% | 778 |
| Noninterest income to average assets | 0.1457% | 6,307 |
| Noninterest expense to average assets | 2.6042% | 4,729 |
| Loan and lease loss provision to assets | 0.4161% | 1,540 |
| Net operating income to assets | 1.0179% | 2,263 |
| Return on assets (ROA) | 1.0179% | 2,476 |
| Pretax return on assets | 1.5788% | 1,440 |
| Return on Equity (ROE) | 10.0189% | 2,160 |
| Retained earnings to average equity (ytd only) | 10.0189% | 596 |
| Net charge-offs to loans | 0.4610% | 2,391 |
| Credit loss provision to net charge-offs | 102.6026% | 2,929 |
| Earnings coverage of net charge-offs (x) | 4.9194% | 3,207 |
| Efficiency ratio | 56.6240% | 5,990 |
| Assets per employee ($millions) | 8.0484% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 5,915 |
| Loan loss allowance to noncurrent loans | 2,775.2747% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 6,275 |
| Noncurrent loans to loans | 0.0366% | 6,415 |
| Net loans and leases to total assets | 87.4498% | 97 |
| Net loans and leases to deposits | 106.3355% | 219 |
| Net loans and leases to core deposits | 155.2012% | 92 |
| Total domestic deposits to total assets | 82.2395% | 5,016 |
| Equity capital to assets | 9.4188% | 4,976 |
| Core capital (leverage) ratio | 9.9243% | 3,508 |
| Tier 1 risk-based capital ratio | 9.8680% | 6,733 |
| Total risk-based capital ratio | 10.8349% | 6,775 |
| Memoranda: | ||
| Average total assets | $492,700,800 | 1,351 |
| Average earning assets | $476,663,800 | 1,278 |
| Average equity | $50,055,600 | 1,419 |
| Average total loans | $433,440,800 | 965 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4204% | 800 |
| Cost of funding earning assets | 0.8112% | 2,853 |
| Net interest margin | 4.6091% | 802 |
| Noninterest income to average assets | 0.1448% | 6,417 |
| Noninterest expense to average assets | 2.6527% | 4,548 |
| Loan and lease loss provision to assets | 0.4238% | 1,500 |
| Net operating income to assets | 0.9885% | 2,568 |
| Return on assets (ROA) | 0.9885% | 2,793 |
| Pretax return on assets | 1.5319% | 1,773 |
| Return on Equity (ROE) | 9.5244% | 2,578 |
| Retained earnings to average equity (ytd only) | 9.5244% | 1,056 |
| Net charge-offs to loans | 0.6210% | 1,774 |
| Credit loss provision to net charge-offs | 77.6749% | 3,686 |
| Earnings coverage of net charge-offs (x) | 3.5844% | 3,586 |
| Efficiency ratio | 57.5614% | 5,847 |
| Assets per employee ($millions) | 7.1945% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 5,983 |
| Loan loss allowance to noncurrent loans | 290.7643% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 5,926 |
| Noncurrent loans to loans | 0.3527% | 5,772 |
| Net loans and leases to total assets | 86.2564% | 138 |
| Net loans and leases to deposits | 105.1766% | 256 |
| Net loans and leases to core deposits | 139.8072% | 139 |
| Total domestic deposits to total assets | 82.0110% | 5,018 |
| Equity capital to assets | 10.0783% | 4,388 |
| Core capital (leverage) ratio | 10.4100% | 3,026 |
| Tier 1 risk-based capital ratio | 10.6646% | 6,609 |
| Total risk-based capital ratio | 11.6414% | 6,681 |
| Memoranda: | ||
| Average total assets | $475,029,500 | 1,411 |
| Average earning assets | $460,030,000 | 1,342 |
| Average equity | $49,303,500 | 1,446 |
| Average total loans | $417,368,250 | 1,005 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4862% | 742 |
| Cost of funding earning assets | 0.8520% | 2,783 |
| Net interest margin | 4.6342% | 773 |
| Noninterest income to average assets | 0.1490% | 6,450 |
| Noninterest expense to average assets | 2.7052% | 4,397 |
| Loan and lease loss provision to assets | 0.4923% | 1,293 |
| Net operating income to assets | 0.9229% | 2,793 |
| Return on assets (ROA) | 0.9229% | 3,053 |
| Pretax return on assets | 1.4312% | 2,084 |
| Return on Equity (ROE) | 8.7983% | 2,900 |
| Retained earnings to average equity (ytd only) | 8.7983% | 1,343 |
| Net charge-offs to loans | 0.7028% | 1,579 |
| Credit loss provision to net charge-offs | 79.4979% | 3,334 |
| Earnings coverage of net charge-offs (x) | 3.1060% | 3,499 |
| Efficiency ratio | 58.4437% | 5,811 |
| Assets per employee ($millions) | 7.3423% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 5,770 |
| Loan loss allowance to noncurrent loans | 225.4432% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.4307% | 5,699 |
| Noncurrent loans to loans | 0.4883% | 5,554 |
| Net loans and leases to total assets | 87.2330% | 103 |
| Net loans and leases to deposits | 106.5980% | 216 |
| Net loans and leases to core deposits | 140.6419% | 144 |
| Total domestic deposits to total assets | 81.8337% | 5,190 |
| Equity capital to assets | 10.2892% | 3,950 |
| Core capital (leverage) ratio | 10.4261% | 2,887 |
| Tier 1 risk-based capital ratio | 10.7627% | 6,593 |
| Total risk-based capital ratio | 11.8072% | 6,660 |
| Memoranda: | ||
| Average total assets | $463,102,000 | 1,439 |
| Average earning assets | $447,671,330 | 1,381 |
| Average equity | $48,577,670 | 1,453 |
| Average total loans | $408,100,000 | 1,029 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5541% | 687 |
| Cost of funding earning assets | 0.9006% | 2,685 |
| Net interest margin | 4.6535% | 744 |
| Noninterest income to average assets | 0.1318% | 6,589 |
| Noninterest expense to average assets | 2.7297% | 4,317 |
| Loan and lease loss provision to assets | 0.5217% | 1,154 |
| Net operating income to assets | 0.8931% | 2,951 |
| Return on assets (ROA) | 0.8931% | 3,173 |
| Pretax return on assets | 1.3715% | 2,279 |
| Return on Equity (ROE) | 8.4279% | 3,092 |
| Retained earnings to average equity (ytd only) | 8.4279% | 1,808 |
| Net charge-offs to loans | 0.8594% | 1,193 |
| Credit loss provision to net charge-offs | 68.9252% | 2,938 |
| Earnings coverage of net charge-offs (x) | 2.5012% | 3,166 |
| Efficiency ratio | 59.0474% | 5,766 |
| Assets per employee ($millions) | 7.0875% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 5,695 |
| Loan loss allowance to noncurrent loans | 193.3415% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.5233% | 5,558 |
| Noncurrent loans to loans | 0.5973% | 5,465 |
| Net loans and leases to total assets | 86.6000% | 104 |
| Net loans and leases to deposits | 105.7899% | 211 |
| Net loans and leases to core deposits | 144.3026% | 128 |
| Total domestic deposits to total assets | 81.8604% | 5,341 |
| Equity capital to assets | 10.3616% | 3,656 |
| Core capital (leverage) ratio | 10.6760% | 2,575 |
| Tier 1 risk-based capital ratio | 11.1357% | 6,477 |
| Total risk-based capital ratio | 12.2444% | 6,528 |
| Memoranda: | ||
| Average total assets | $452,356,000 | 1,475 |
| Average earning assets | $436,575,000 | 1,404 |
| Average equity | $47,936,000 | 1,460 |
| Average total loans | $398,434,500 | 1,059 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6232% | 916 |
| Cost of funding earning assets | 1.0552% | 2,982 |
| Net interest margin | 4.5680% | 985 |
| Noninterest income to average assets | 0.0754% | 6,734 |
| Noninterest expense to average assets | 2.8450% | 4,182 |
| Loan and lease loss provision to assets | 0.4760% | 2,222 |
| Net operating income to assets | 0.7237% | 3,369 |
| Return on assets (ROA) | 0.7625% | 3,369 |
| Pretax return on assets | 1.2428% | 2,319 |
| Return on Equity (ROE) | 6.8358% | 3,472 |
| Retained earnings to average equity (ytd only) | 6.8358% | 1,579 |
| Net charge-offs to loans | -0.0061% | 6,851 |
| Credit loss provision to net charge-offs | -8,840.0000% | 6,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1771% | 5,263 |
| Assets per employee ($millions) | 6.7221% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 4,948 |
| Loan loss allowance to noncurrent loans | 211.3742% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.5413% | 5,615 |
| Noncurrent loans to loans | 0.6110% | 5,491 |
| Net loans and leases to total assets | 87.4368% | 89 |
| Net loans and leases to deposits | 107.6199% | 214 |
| Net loans and leases to core deposits | 145.5847% | 149 |
| Total domestic deposits to total assets | 81.2460% | 5,374 |
| Equity capital to assets | 10.8490% | 3,139 |
| Core capital (leverage) ratio | 11.1366% | 2,166 |
| Tier 1 risk-based capital ratio | 11.4497% | 6,193 |
| Total risk-based capital ratio | 12.6819% | 6,190 |
| Memoranda: | ||
| Average total assets | $371,426,400 | 1,757 |
| Average earning assets | $360,028,600 | 1,644 |
| Average equity | $41,429,000 | 1,622 |
| Average total loans | $326,298,600 | 1,303 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6359% | 966 |
| Cost of funding earning assets | 1.0691% | 3,181 |
| Net interest margin | 4.5669% | 1,011 |
| Noninterest income to average assets | 0.0759% | 6,861 |
| Noninterest expense to average assets | 2.8784% | 4,019 |
| Loan and lease loss provision to assets | 0.4949% | 2,010 |
| Net operating income to assets | 0.6898% | 3,676 |
| Return on assets (ROA) | 0.7432% | 3,584 |
| Pretax return on assets | 1.2118% | 2,592 |
| Return on Equity (ROE) | 6.6072% | 3,714 |
| Retained earnings to average equity (ytd only) | 6.6072% | 2,194 |
| Net charge-offs to loans | -0.0099% | 6,780 |
| Credit loss provision to net charge-offs | -5,730.4348% | 6,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9389% | 5,081 |
| Assets per employee ($millions) | 6.4070% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 5,100 |
| Loan loss allowance to noncurrent loans | 192.4736% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.7251% | 5,347 |
| Noncurrent loans to loans | 0.6651% | 5,558 |
| Net loans and leases to total assets | 86.9607% | 107 |
| Net loans and leases to deposits | 106.7692% | 233 |
| Net loans and leases to core deposits | 143.4632% | 165 |
| Total domestic deposits to total assets | 81.4474% | 5,274 |
| Equity capital to assets | 11.5184% | 2,664 |
| Core capital (leverage) ratio | 12.0463% | 1,681 |
| Tier 1 risk-based capital ratio | 12.0897% | 5,830 |
| Total risk-based capital ratio | 13.3003% | 5,847 |
| Memoranda: | ||
| Average total assets | $355,049,250 | 1,833 |
| Average earning assets | $344,094,000 | 1,731 |
| Average equity | $39,935,500 | 1,686 |
| Average total loans | $311,113,000 | 1,373 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5973% | 1,075 |
| Cost of funding earning assets | 1.0707% | 3,466 |
| Net interest margin | 4.5266% | 1,066 |
| Noninterest income to average assets | 0.1057% | 6,800 |
| Noninterest expense to average assets | 2.9653% | 3,772 |
| Loan and lease loss provision to assets | 0.4326% | 2,263 |
| Net operating income to assets | 0.6829% | 3,637 |
| Return on assets (ROA) | 0.6829% | 3,753 |
| Pretax return on assets | 1.0996% | 2,852 |
| Return on Equity (ROE) | 6.1299% | 3,897 |
| Retained earnings to average equity (ytd only) | 6.1299% | 2,341 |
| Net charge-offs to loans | -0.0061% | 6,611 |
| Credit loss provision to net charge-offs | -8,144.4444% | 6,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9318% | 4,887 |
| Assets per employee ($millions) | 6.2478% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 5,452 |
| Loan loss allowance to noncurrent loans | 610.9737% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 6,243 |
| Noncurrent loans to loans | 0.2001% | 6,509 |
| Net loans and leases to total assets | 86.6556% | 117 |
| Net loans and leases to deposits | 109.2704% | 191 |
| Net loans and leases to core deposits | 145.0416% | 160 |
| Total domestic deposits to total assets | 79.3038% | 6,007 |
| Equity capital to assets | 12.3667% | 1,864 |
| Core capital (leverage) ratio | 13.2146% | 1,082 |
| Tier 1 risk-based capital ratio | 12.9059% | 4,995 |
| Total risk-based capital ratio | 14.0566% | 5,059 |
| Memoranda: | ||
| Average total assets | $338,851,670 | 1,921 |
| Average earning assets | $328,765,330 | 1,815 |
| Average equity | $37,749,670 | 1,774 |
| Average total loans | $296,296,670 | 1,467 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6143% | 1,027 |
| Cost of funding earning assets | 1.0964% | 3,549 |
| Net interest margin | 4.5179% | 1,032 |
| Noninterest income to average assets | 0.0926% | 6,956 |
| Noninterest expense to average assets | 3.1102% | 3,204 |
| Loan and lease loss provision to assets | 0.1704% | 3,925 |
| Net operating income to assets | 0.7630% | 3,200 |
| Return on assets (ROA) | 0.7630% | 3,270 |
| Pretax return on assets | 1.2026% | 2,357 |
| Return on Equity (ROE) | 7.3068% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.3068% | 2,023 |
| Net charge-offs to loans | -0.0057% | 6,262 |
| Credit loss provision to net charge-offs | -3,450.0000% | 6,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3748% | 4,402 |
| Assets per employee ($millions) | 6.2605% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 5,854 |
| Loan loss allowance to noncurrent loans | 259.9225% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 5,943 |
| Noncurrent loans to loans | 0.4420% | 6,124 |
| Net loans and leases to total assets | 85.3301% | 164 |
| Net loans and leases to deposits | 102.7263% | 355 |
| Net loans and leases to core deposits | 133.1831% | 239 |
| Total domestic deposits to total assets | 83.0654% | 4,898 |
| Equity capital to assets | 10.1113% | 3,640 |
| Core capital (leverage) ratio | 10.5520% | 2,559 |
| Tier 1 risk-based capital ratio | 10.6822% | 6,701 |
| Total risk-based capital ratio | 11.7590% | 6,787 |
| Memoranda: | ||
| Average total assets | $323,968,500 | 2,015 |
| Average earning assets | $314,837,000 | 1,897 |
| Average equity | $33,831,500 | 1,951 |
| Average total loans | $282,754,500 | 1,551 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8379% | 1,182 |
| Cost of funding earning assets | 1.2824% | 4,001 |
| Net interest margin | 4.5555% | 1,120 |
| Noninterest income to average assets | 0.1378% | 6,703 |
| Noninterest expense to average assets | 3.2003% | 3,093 |
| Loan and lease loss provision to assets | 0.4105% | 3,644 |
| Net operating income to assets | 1.5262% | 723 |
| Return on assets (ROA) | 1.5539% | 741 |
| Pretax return on assets | 0.9693% | 3,030 |
| Return on Equity (ROE) | 13.7167% | 943 |
| Retained earnings to average equity (ytd only) | 13.7167% | 174 |
| Net charge-offs to loans | 0.0903% | 5,938 |
| Credit loss provision to net charge-offs | 516.2896% | 442 |
| Earnings coverage of net charge-offs (x) | 17.0045% | 1,178 |
| Efficiency ratio | 70.2995% | 4,116 |
| Assets per employee ($millions) | 5.7384% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 5,631 |
| Loan loss allowance to noncurrent loans | 162.8296% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.7861% | 5,438 |
| Noncurrent loans to loans | 0.7205% | 5,604 |
| Net loans and leases to total assets | 87.2857% | 124 |
| Net loans and leases to deposits | 106.7544% | 299 |
| Net loans and leases to core deposits | 139.9022% | 227 |
| Total domestic deposits to total assets | 81.7631% | 5,254 |
| Equity capital to assets | 10.8045% | 2,855 |
| Core capital (leverage) ratio | 10.5498% | 2,508 |
| Tier 1 risk-based capital ratio | 11.0241% | 6,304 |
| Total risk-based capital ratio | 12.1215% | 6,401 |
| Memoranda: | ||
| Average total assets | $277,941,400 | 2,301 |
| Average earning assets | $269,342,000 | 2,185 |
| Average equity | $31,487,200 | 2,083 |
| Average total loans | $244,853,600 | 1,787 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8085% | 1,369 |
| Cost of funding earning assets | 1.2908% | 4,278 |
| Net interest margin | 4.5177% | 1,218 |
| Noninterest income to average assets | 0.1467% | 6,812 |
| Noninterest expense to average assets | 3.1515% | 3,105 |
| Loan and lease loss provision to assets | 0.4988% | 2,967 |
| Net operating income to assets | 1.8422% | 456 |
| Return on assets (ROA) | 1.8402% | 506 |
| Pretax return on assets | 0.8678% | 3,672 |
| Return on Equity (ROE) | 16.0311% | 700 |
| Retained earnings to average equity (ytd only) | 16.0311% | 165 |
| Net charge-offs to loans | 0.1346% | 5,220 |
| Credit loss provision to net charge-offs | 420.8333% | 719 |
| Earnings coverage of net charge-offs (x) | 11.5459% | 1,785 |
| Efficiency ratio | 69.7225% | 4,129 |
| Assets per employee ($millions) | 5.8387% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 5,773 |
| Loan loss allowance to noncurrent loans | 236.1883% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 6,183 |
| Noncurrent loans to loans | 0.4813% | 6,231 |
| Net loans and leases to total assets | 87.6773% | 119 |
| Net loans and leases to deposits | 108.0012% | 298 |
| Net loans and leases to core deposits | 140.5711% | 256 |
| Total domestic deposits to total assets | 81.1818% | 5,311 |
| Equity capital to assets | 10.8873% | 3,072 |
| Core capital (leverage) ratio | 10.8539% | 2,369 |
| Tier 1 risk-based capital ratio | 11.1754% | 6,215 |
| Total risk-based capital ratio | 12.2568% | 6,356 |
| Memoranda: | ||
| Average total assets | $269,959,000 | 2,394 |
| Average earning assets | $261,333,000 | 2,281 |
| Average equity | $30,989,000 | 2,135 |
| Average total loans | $237,646,000 | 1,866 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7619% | 1,525 |
| Cost of funding earning assets | 1.2904% | 4,593 |
| Net interest margin | 4.4715% | 1,266 |
| Noninterest income to average assets | 0.1445% | 6,863 |
| Noninterest expense to average assets | 3.1746% | 2,990 |
| Loan and lease loss provision to assets | 0.5604% | 2,529 |
| Net operating income to assets | 2.4905% | 139 |
| Return on assets (ROA) | 2.4874% | 145 |
| Pretax return on assets | 0.7351% | 4,123 |
| Return on Equity (ROE) | 21.2407% | 245 |
| Retained earnings to average equity (ytd only) | 21.2407% | 73 |
| Net charge-offs to loans | 0.1330% | 4,879 |
| Credit loss provision to net charge-offs | 480.1325% | 774 |
| Earnings coverage of net charge-offs (x) | 11.1258% | 1,799 |
| Efficiency ratio | 70.9694% | 3,988 |
| Assets per employee ($millions) | 5.6238% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 5,747 |
| Loan loss allowance to noncurrent loans | 204.7891% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 6,065 |
| Noncurrent loans to loans | 0.5565% | 6,137 |
| Net loans and leases to total assets | 86.6478% | 187 |
| Net loans and leases to deposits | 104.3487% | 471 |
| Net loans and leases to core deposits | 137.2406% | 320 |
| Total domestic deposits to total assets | 83.0367% | 4,559 |
| Equity capital to assets | 11.3080% | 2,591 |
| Core capital (leverage) ratio | 11.9540% | 1,666 |
| Tier 1 risk-based capital ratio | 11.6412% | 5,636 |
| Total risk-based capital ratio | 12.7252% | 5,766 |
| Memoranda: | ||
| Average total assets | $258,741,670 | 2,523 |
| Average earning assets | $250,474,000 | 2,389 |
| Average equity | $30,300,330 | 2,175 |
| Average total loans | $227,108,330 | 1,963 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7929% | 1,485 |
| Cost of funding earning assets | 1.3266% | 4,644 |
| Net interest margin | 4.4663% | 1,217 |
| Noninterest income to average assets | 0.1733% | 6,730 |
| Noninterest expense to average assets | 3.1940% | 2,889 |
| Loan and lease loss provision to assets | 0.5558% | 2,279 |
| Net operating income to assets | 0.7601% | 3,156 |
| Return on assets (ROA) | 0.7536% | 3,301 |
| Pretax return on assets | 0.7536% | 4,049 |
| Return on Equity (ROE) | 6.3077% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.3077% | 2,465 |
| Net charge-offs to loans | 0.1582% | 3,978 |
| Credit loss provision to net charge-offs | 400.0000% | 1,017 |
| Earnings coverage of net charge-offs (x) | 9.4706% | 1,849 |
| Efficiency ratio | 70.8228% | 4,151 |
| Assets per employee ($millions) | 5.9248% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 5,786 |
| Loan loss allowance to noncurrent loans | 308.9806% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 6,329 |
| Noncurrent loans to loans | 0.3716% | 6,551 |
| Net loans and leases to total assets | 86.0296% | 213 |
| Net loans and leases to deposits | 102.7375% | 606 |
| Net loans and leases to core deposits | 139.4924% | 332 |
| Total domestic deposits to total assets | 83.7374% | 4,272 |
| Equity capital to assets | 11.5780% | 2,307 |
| Core capital (leverage) ratio | 11.9840% | 1,659 |
| Tier 1 risk-based capital ratio | 12.4427% | 4,799 |
| Total risk-based capital ratio | 13.5442% | 4,867 |
| Memoranda: | ||
| Average total assets | $244,705,500 | 2,702 |
| Average earning assets | $237,601,000 | 2,557 |
| Average equity | $29,234,000 | 2,269 |
| Average total loans | $214,971,000 | 2,127 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4743% | 4,298 |
| Cost of funding earning assets | 1.7106% | 4,450 |
| Net interest margin | 3.7637% | 3,855 |
| Noninterest income to average assets | 0.1480% | 6,995 |
| Noninterest expense to average assets | 3.7606% | 1,772 |
| Loan and lease loss provision to assets | 0.7276% | 2,929 |
| Net operating income to assets | -0.6969% | 6,363 |
| Return on assets (ROA) | -0.5640% | 6,235 |
| Pretax return on assets | -0.5640% | 6,063 |
| Return on Equity (ROE) | -3.5789% | 6,066 |
| Retained earnings to average equity (ytd only) | -3.5789% | 5,806 |
| Net charge-offs to loans | 0.2289% | 5,182 |
| Credit loss provision to net charge-offs | 370.4110% | 864 |
| Earnings coverage of net charge-offs (x) | 0.1562% | 6,006 |
| Efficiency ratio | 99.1909% | 1,145 |
| Assets per employee ($millions) | 5.4568% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 5,898 |
| Loan loss allowance to noncurrent loans | 280.0733% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 6,388 |
| Noncurrent loans to loans | 0.3929% | 6,491 |
| Net loans and leases to total assets | 87.7627% | 184 |
| Net loans and leases to deposits | 110.5131% | 371 |
| Net loans and leases to core deposits | 170.0712% | 235 |
| Total domestic deposits to total assets | 79.4138% | 5,871 |
| Equity capital to assets | 12.3468% | 1,824 |
| Core capital (leverage) ratio | 13.5658% | 1,078 |
| Tier 1 risk-based capital ratio | 12.9781% | 4,159 |
| Total risk-based capital ratio | 14.0280% | 4,243 |
| Memoranda: | ||
| Average total assets | $185,820,400 | 3,341 |
| Average earning assets | $179,877,400 | 3,216 |
| Average equity | $29,283,000 | 2,277 |
| Average total loans | $159,487,600 | 2,768 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4638% | 4,611 |
| Cost of funding earning assets | 1.8496% | 4,159 |
| Net interest margin | 3.6142% | 4,425 |
| Noninterest income to average assets | 0.1482% | 7,119 |
| Noninterest expense to average assets | 3.9834% | 1,296 |
| Loan and lease loss provision to assets | 0.7311% | 2,550 |
| Net operating income to assets | -1.0728% | 6,877 |
| Return on assets (ROA) | -0.8832% | 6,751 |
| Pretax return on assets | -0.8832% | 6,597 |
| Return on Equity (ROE) | -5.2222% | 6,475 |
| Retained earnings to average equity (ytd only) | -5.2222% | 6,283 |
| Net charge-offs to loans | 0.2408% | 4,548 |
| Credit loss provision to net charge-offs | 357.8947% | 1,142 |
| Earnings coverage of net charge-offs (x) | -1.6729% | 6,713 |
| Efficiency ratio | 109.3842% | 774 |
| Assets per employee ($millions) | 4.7560% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 5,522 |
| Loan loss allowance to noncurrent loans | 161.7886% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6944% | 5,746 |
| Noncurrent loans to loans | 0.6999% | 5,898 |
| Net loans and leases to total assets | 84.9550% | 441 |
| Net loans and leases to deposits | 108.5130% | 526 |
| Net loans and leases to core deposits | 151.3353% | 553 |
| Total domestic deposits to total assets | 78.2902% | 6,003 |
| Equity capital to assets | 14.1403% | 1,262 |
| Core capital (leverage) ratio | 14.8493% | 883 |
| Tier 1 risk-based capital ratio | 15.6226% | 2,763 |
| Total risk-based capital ratio | 16.7288% | 2,776 |
| Memoranda: | ||
| Average total assets | $173,614,750 | 3,561 |
| Average earning assets | $167,814,000 | 3,407 |
| Average equity | $29,361,000 | 2,299 |
| Average total loans | $147,304,500 | 2,992 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2540% | 5,845 |
| Cost of funding earning assets | 1.9660% | 3,938 |
| Net interest margin | 3.2880% | 5,599 |
| Noninterest income to average assets | 0.1470% | 7,213 |
| Noninterest expense to average assets | 4.1735% | 1,100 |
| Loan and lease loss provision to assets | 0.8952% | 1,887 |
| Net operating income to assets | -1.7451% | 7,342 |
| Return on assets (ROA) | -1.4426% | 7,222 |
| Pretax return on assets | -1.4426% | 7,061 |
| Return on Equity (ROE) | -7.9841% | 6,890 |
| Retained earnings to average equity (ytd only) | -7.9841% | 6,665 |
| Net charge-offs to loans | 0.2801% | 3,795 |
| Credit loss provision to net charge-offs | 378.7565% | 1,227 |
| Earnings coverage of net charge-offs (x) | -3.5959% | 6,427 |
| Efficiency ratio | 125.5711% | 577 |
| Assets per employee ($millions) | 4.4275% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 5,098 |
| Loan loss allowance to noncurrent loans | 121.3439% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 1.0438% | 4,882 |
| Noncurrent loans to loans | 0.9696% | 5,281 |
| Net loans and leases to total assets | 83.1983% | 757 |
| Net loans and leases to deposits | 109.1088% | 600 |
| Net loans and leases to core deposits | 156.6381% | 504 |
| Total domestic deposits to total assets | 76.2526% | 6,499 |
| Equity capital to assets | 15.4767% | 934 |
| Core capital (leverage) ratio | 16.2950% | 702 |
| Tier 1 risk-based capital ratio | 17.1487% | 2,255 |
| Total risk-based capital ratio | 18.2739% | 2,244 |
| Memoranda: | ||
| Average total assets | $163,317,330 | 3,753 |
| Average earning assets | $157,785,000 | 3,603 |
| Average equity | $29,508,670 | 2,305 |
| Average total loans | $137,829,670 | 3,184 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3147% | 5,828 |
| Cost of funding earning assets | 1.9559% | 4,349 |
| Net interest margin | 3.3588% | 5,289 |
| Noninterest income to average assets | 0.0974% | 7,561 |
| Noninterest expense to average assets | 4.1290% | 1,031 |
| Loan and lease loss provision to assets | 0.6790% | 1,861 |
| Net operating income to assets | -1.4658% | 7,483 |
| Return on assets (ROA) | -1.3184% | 7,434 |
| Pretax return on assets | -1.3184% | 7,307 |
| Return on Equity (ROE) | -6.7084% | 7,123 |
| Retained earnings to average equity (ytd only) | -6.7084% | 6,763 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.5433% | 588 |
| Assets per employee ($millions) | 4.0875% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 5,268 |
| Loan loss allowance to noncurrent loans | 274.5167% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4971% | 5,974 |
| Noncurrent loans to loans | 0.4111% | 6,393 |
| Net loans and leases to total assets | 81.6490% | 1,074 |
| Net loans and leases to deposits | 107.4894% | 756 |
| Net loans and leases to core deposits | 167.4240% | 389 |
| Total domestic deposits to total assets | 75.9601% | 6,522 |
| Equity capital to assets | 17.6970% | 644 |
| Core capital (leverage) ratio | 19.5817% | 415 |
| Tier 1 risk-based capital ratio | 20.5974% | 1,506 |
| Total risk-based capital ratio | 21.7207% | 1,498 |
| Memoranda: | ||
| Average total assets | $151,997,500 | 3,976 |
| Average earning assets | $146,837,000 | 3,814 |
| Average equity | $29,873,000 | 2,290 |
| Average total loans | $128,467,000 | 3,402 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2988% | 7,600 |
| Cost of funding earning assets | 2.1088% | 6,012 |
| Net interest margin | 3.1900% | 6,390 |
| Noninterest income to average assets | 0.2932% | 6,363 |
| Noninterest expense to average assets | 5.9142% | 416 |
| Loan and lease loss provision to assets | 1.1929% | 1,209 |
| Net operating income to assets | -3.8126% | 7,957 |
| Return on assets (ROA) | -3.8126% | 7,937 |
| Pretax return on assets | -3.8126% | 7,859 |
| Return on Equity (ROE) | -14.8874% | 7,582 |
| Retained earnings to average equity (ytd only) | -14.8874% | 7,449 |
| Net charge-offs to loans | 0.1473% | 4,739 |
| Credit loss provision to net charge-offs | 1,134.0426% | 394 |
| Earnings coverage of net charge-offs (x) | -24.9043% | 6,950 |
| Efficiency ratio | 179.5177% | 248 |
| Assets per employee ($millions) | 4.1335% | 3,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 5,296 |
| Loan loss allowance to noncurrent loans | 228.7719% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 5,366 |
| Noncurrent loans to loans | 0.4809% | 5,904 |
| Net loans and leases to total assets | 85.9443% | 611 |
| Net loans and leases to deposits | 122.8610% | 328 |
| Net loans and leases to core deposits | 196.8599% | 182 |
| Total domestic deposits to total assets | 69.9524% | 7,281 |
| Equity capital to assets | 22.0575% | 351 |
| Core capital (leverage) ratio | 24.7520% | 270 |
| Tier 1 risk-based capital ratio | 24.5458% | 1,027 |
| Total risk-based capital ratio | 25.6401% | 1,025 |
| Memoranda: | ||
| Average total assets | $89,360,800 | 5,382 |
| Average earning assets | $84,075,200 | 5,300 |
| Average equity | $22,885,200 | 2,862 |
| Average total loans | $63,796,800 | 5,108 |