Home > Lake Shore Savings Bank > Performance and Condition Ratios
Lake Shore Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3062% | 2,505 |
| Cost of funding earning assets | 1.8456% | 2,332 |
| Net interest margin | 3.4606% | 2,411 |
| Noninterest income to average assets | 0.3700% | 2,414 |
| Noninterest expense to average assets | 2.7567% | 1,608 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.6437% | 3,250 |
| Return on assets (ROA) | 0.6669% | 3,201 |
| Pretax return on assets | 0.8055% | 3,181 |
| Return on Equity (ROE) | 5.2100% | 3,495 |
| Retained earnings to average equity (ytd only) | 5.2114% | 2,514 |
| Net charge-offs to loans | 0.0014% | 2,277 |
| Credit loss provision to net charge-offs | 1,950.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 691.5000% | 140 |
| Efficiency ratio | 77.3872% | 1,142 |
| Assets per employee ($millions) | 7.1705% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 3,526 |
| Loan loss allowance to noncurrent loans | 148.9055% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5044% | 1,466 |
| Noncurrent loans to loans | 0.6235% | 1,601 |
| Net loans and leases to total assets | 80.1400% | 580 |
| Net loans and leases to deposits | 94.2767% | 748 |
| Net loans and leases to core deposits | 100.2537% | 1,356 |
| Total domestic deposits to total assets | 85.0100% | 2,620 |
| Equity capital to assets | 12.8546% | 962 |
| Core capital (leverage) ratio | 14.3108% | 724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $686,763,500 | 1,382 |
| Average earning assets | $633,296,500 | 1,381 |
| Average equity | $87,883,500 | 1,154 |
| Average total loans | $553,295,500 | 1,231 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3379% | 2,392 |
| Cost of funding earning assets | 2.1362% | 1,882 |
| Net interest margin | 3.2017% | 2,692 |
| Noninterest income to average assets | 0.3800% | 2,542 |
| Noninterest expense to average assets | 2.6834% | 1,728 |
| Loan and lease loss provision to assets | -0.1600% | 4,432 |
| Net operating income to assets | 0.6851% | 3,013 |
| Return on assets (ROA) | 0.6869% | 3,038 |
| Pretax return on assets | 0.8216% | 2,988 |
| Return on Equity (ROE) | 5.8300% | 3,352 |
| Retained earnings to average equity (ytd only) | 5.8292% | 2,145 |
| Net charge-offs to loans | 0.0034% | 2,605 |
| Credit loss provision to net charge-offs | -6,821.4286% | 4,531 |
| Earnings coverage of net charge-offs (x) | 250.9286% | 445 |
| Efficiency ratio | 80.3204% | 1,055 |
| Assets per employee ($millions) | 6.9739% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 3,193 |
| Loan loss allowance to noncurrent loans | 136.9392% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5753% | 1,245 |
| Noncurrent loans to loans | 0.7368% | 1,342 |
| Net loans and leases to total assets | 77.2900% | 956 |
| Net loans and leases to deposits | 91.2757% | 1,121 |
| Net loans and leases to core deposits | 97.7870% | 1,640 |
| Total domestic deposits to total assets | 84.6800% | 2,400 |
| Equity capital to assets | 12.4625% | 1,119 |
| Core capital (leverage) ratio | 13.3745% | 976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $712,413,000 | 1,320 |
| Average earning assets | $658,470,500 | 1,322 |
| Average equity | $83,943,000 | 1,156 |
| Average total loans | $554,701,500 | 1,189 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2653% | 2,414 |
| Cost of funding earning assets | 2.1319% | 1,804 |
| Net interest margin | 3.1334% | 2,788 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 2.6913% | 1,705 |
| Loan and lease loss provision to assets | -0.1800% | 4,458 |
| Net operating income to assets | 0.6262% | 3,129 |
| Return on assets (ROA) | 0.6295% | 3,150 |
| Pretax return on assets | 0.7527% | 3,112 |
| Return on Equity (ROE) | 5.4400% | 3,414 |
| Retained earnings to average equity (ytd only) | 5.4440% | 2,200 |
| Net charge-offs to loans | 0.0011% | 2,564 |
| Credit loss provision to net charge-offs | -18,133.3333% | 4,563 |
| Earnings coverage of net charge-offs (x) | 683.0000% | 170 |
| Efficiency ratio | 82.4917% | 953 |
| Assets per employee ($millions) | 6.4590% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 2,913 |
| Loan loss allowance to noncurrent loans | 148.1964% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.5641% | 1,209 |
| Noncurrent loans to loans | 0.7255% | 1,289 |
| Net loans and leases to total assets | 76.6200% | 1,099 |
| Net loans and leases to deposits | 91.5706% | 1,164 |
| Net loans and leases to core deposits | 99.2329% | 1,527 |
| Total domestic deposits to total assets | 83.6700% | 2,698 |
| Equity capital to assets | 11.7653% | 1,255 |
| Core capital (leverage) ratio | 13.0236% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $717,420,667 | 1,319 |
| Average earning assets | $663,177,000 | 1,313 |
| Average equity | $82,953,333 | 1,159 |
| Average total loans | $558,088,667 | 1,182 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2029% | 2,392 |
| Cost of funding earning assets | 2.1044% | 1,765 |
| Net interest margin | 3.0985% | 2,792 |
| Noninterest income to average assets | 0.3600% | 2,553 |
| Noninterest expense to average assets | 2.7133% | 1,651 |
| Loan and lease loss provision to assets | -0.2000% | 4,507 |
| Net operating income to assets | 0.5875% | 3,180 |
| Return on assets (ROA) | 0.5926% | 3,194 |
| Pretax return on assets | 0.7025% | 3,152 |
| Return on Equity (ROE) | 5.1700% | 3,414 |
| Retained earnings to average equity (ytd only) | 5.1698% | 2,353 |
| Net charge-offs to loans | 0.0021% | 2,112 |
| Credit loss provision to net charge-offs | -7,433.3333% | 4,583 |
| Earnings coverage of net charge-offs (x) | 301.0000% | 307 |
| Efficiency ratio | 84.4122% | 880 |
| Assets per employee ($millions) | 6.5187% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 2,767 |
| Loan loss allowance to noncurrent loans | 157.6194% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.5541% | 1,158 |
| Noncurrent loans to loans | 0.7045% | 1,262 |
| Net loans and leases to total assets | 77.4600% | 904 |
| Net loans and leases to deposits | 92.6860% | 974 |
| Net loans and leases to core deposits | 103.2482% | 1,236 |
| Total domestic deposits to total assets | 83.5800% | 2,841 |
| Equity capital to assets | 11.5445% | 1,288 |
| Core capital (leverage) ratio | 12.8706% | 1,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $720,884,000 | 1,316 |
| Average earning assets | $665,086,000 | 1,315 |
| Average equity | $82,634,000 | 1,159 |
| Average total loans | $562,001,500 | 1,179 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0917% | 1,869 |
| Cost of funding earning assets | 1.4379% | 2,114 |
| Net interest margin | 3.6538% | 1,850 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.9719% | 1,161 |
| Loan and lease loss provision to assets | -0.1500% | 4,547 |
| Net operating income to assets | 0.7202% | 3,132 |
| Return on assets (ROA) | 0.7157% | 3,128 |
| Pretax return on assets | 0.9224% | 2,904 |
| Return on Equity (ROE) | 6.4700% | 3,425 |
| Retained earnings to average equity (ytd only) | 6.4651% | 2,070 |
| Net charge-offs to loans | -0.0021% | 3,686 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.1603% | 973 |
| Assets per employee ($millions) | 6.1941% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 2,550 |
| Loan loss allowance to noncurrent loans | 191.3829% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 1,189 |
| Noncurrent loans to loans | 0.6006% | 1,310 |
| Net loans and leases to total assets | 76.7000% | 1,018 |
| Net loans and leases to deposits | 93.1810% | 1,003 |
| Net loans and leases to core deposits | 105.0428% | 1,163 |
| Total domestic deposits to total assets | 82.3100% | 3,067 |
| Equity capital to assets | 11.3821% | 1,335 |
| Core capital (leverage) ratio | 12.6833% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $716,268,200 | 1,281 |
| Average earning assets | $665,633,400 | 1,287 |
| Average equity | $79,287,400 | 1,138 |
| Average total loans | $574,383,200 | 1,114 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9516% | 1,645 |
| Cost of funding earning assets | 1.2059% | 1,970 |
| Net interest margin | 3.7457% | 1,726 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 3.0881% | 920 |
| Loan and lease loss provision to assets | -0.2300% | 4,619 |
| Net operating income to assets | 0.7657% | 3,175 |
| Return on assets (ROA) | 0.7557% | 3,224 |
| Pretax return on assets | 0.9125% | 3,134 |
| Return on Equity (ROE) | 6.8700% | 3,506 |
| Retained earnings to average equity (ytd only) | 6.8657% | 2,331 |
| Net charge-offs to loans | -0.0010% | 3,441 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.5809% | 737 |
| Assets per employee ($millions) | 5.8016% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 2,574 |
| Loan loss allowance to noncurrent loans | 236.0461% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 1,272 |
| Noncurrent loans to loans | 0.4968% | 1,465 |
| Net loans and leases to total assets | 79.8100% | 652 |
| Net loans and leases to deposits | 96.9371% | 674 |
| Net loans and leases to core deposits | 109.4394% | 851 |
| Total domestic deposits to total assets | 82.3300% | 3,165 |
| Equity capital to assets | 11.1456% | 1,324 |
| Core capital (leverage) ratio | 12.1617% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $714,539,000 | 1,277 |
| Average earning assets | $666,202,667 | 1,274 |
| Average equity | $78,652,000 | 1,137 |
| Average total loans | $579,358,667 | 1,098 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7984% | 1,619 |
| Cost of funding earning assets | 1.0256% | 1,963 |
| Net interest margin | 3.7728% | 1,744 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 3.0243% | 1,023 |
| Loan and lease loss provision to assets | -0.3500% | 4,649 |
| Net operating income to assets | 0.9871% | 2,570 |
| Return on assets (ROA) | 0.9885% | 2,531 |
| Pretax return on assets | 1.1513% | 2,560 |
| Return on Equity (ROE) | 9.0400% | 3,038 |
| Retained earnings to average equity (ytd only) | 9.0371% | 1,941 |
| Net charge-offs to loans | 0.0096% | 1,581 |
| Credit loss provision to net charge-offs | -4,464.2857% | 4,680 |
| Earnings coverage of net charge-offs (x) | 102.1429% | 781 |
| Efficiency ratio | 79.0813% | 899 |
| Assets per employee ($millions) | 6.2432% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 2,798 |
| Loan loss allowance to noncurrent loans | 237.1994% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 1,294 |
| Noncurrent loans to loans | 0.4866% | 1,500 |
| Net loans and leases to total assets | 78.6400% | 692 |
| Net loans and leases to deposits | 95.7412% | 664 |
| Net loans and leases to core deposits | 105.6073% | 850 |
| Total domestic deposits to total assets | 82.1400% | 3,463 |
| Equity capital to assets | 10.8659% | 1,393 |
| Core capital (leverage) ratio | 12.2006% | 1,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $715,009,500 | 1,295 |
| Average earning assets | $666,559,000 | 1,293 |
| Average equity | $78,210,500 | 1,148 |
| Average total loans | $580,895,500 | 1,111 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1157% | 1,440 |
| Cost of funding earning assets | 0.3895% | 2,178 |
| Net interest margin | 3.7261% | 1,318 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.7098% | 1,530 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.8475% | 3,163 |
| Return on assets (ROA) | 0.8480% | 3,092 |
| Pretax return on assets | 1.0276% | 2,994 |
| Return on Equity (ROE) | 7.6000% | 3,486 |
| Retained earnings to average equity (ytd only) | 3.7692% | 3,473 |
| Net charge-offs to loans | -0.0399% | 4,285 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.5658% | 1,614 |
| Assets per employee ($millions) | 5.9792% | 2,784 |
| Cash dividends to net income (ytd only)* | 50.4032% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 2,314 |
| Loan loss allowance to noncurrent loans | 236.2086% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 1,158 |
| Noncurrent loans to loans | 0.5151% | 1,413 |
| Net loans and leases to total assets | 81.9900% | 407 |
| Net loans and leases to deposits | 99.6461% | 453 |
| Net loans and leases to core deposits | 105.1194% | 785 |
| Total domestic deposits to total assets | 82.2800% | 3,573 |
| Equity capital to assets | 11.0141% | 1,252 |
| Core capital (leverage) ratio | 12.4018% | 1,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $701,920,800 | 1,308 |
| Average earning assets | $654,379,400 | 1,297 |
| Average equity | $78,318,200 | 1,151 |
| Average total loans | $556,566,000 | 1,094 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7900% | 1,337 |
| Cost of funding earning assets | 0.2946% | 1,770 |
| Net interest margin | 3.4954% | 1,324 |
| Noninterest income to average assets | 0.3793% | 2,875 |
| Noninterest expense to average assets | 2.5302% | 1,835 |
| Loan and lease loss provision to assets | 0.1419% | 672 |
| Net operating income to assets | 0.8038% | 2,943 |
| Return on assets (ROA) | 0.8041% | 2,911 |
| Pretax return on assets | 0.9697% | 2,829 |
| Return on Equity (ROE) | 7.0543% | 3,299 |
| Retained earnings to average equity (ytd only) | -0.4132% | 4,230 |
| Net charge-offs to loans | -0.0474% | 4,215 |
| Credit loss provision to net charge-offs | -387.5969% | 3,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4819% | 2,032 |
| Assets per employee ($millions) | 6.0869% | 2,667 |
| Cash dividends to net income (ytd only)* | 105.8574% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,603 |
| Loan loss allowance to noncurrent loans | 237.3197% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4485% | 1,260 |
| Noncurrent loans to loans | 0.5132% | 1,596 |
| Net loans and leases to total assets | 78.8613% | 493 |
| Net loans and leases to deposits | 93.5764% | 536 |
| Net loans and leases to core deposits | 97.6114% | 770 |
| Total domestic deposits to total assets | 84.2747% | 3,633 |
| Equity capital to assets | 10.8920% | 1,260 |
| Core capital (leverage) ratio | 12.0237% | 1,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $704,924,000 | 1,312 |
| Average earning assets | $657,896,667 | 1,314 |
| Average equity | $80,348,000 | 1,155 |
| Average total loans | $544,707,667 | 1,102 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5883% | 1,535 |
| Cost of funding earning assets | 0.2952% | 1,697 |
| Net interest margin | 3.2931% | 1,581 |
| Noninterest income to average assets | 0.3941% | 2,725 |
| Noninterest expense to average assets | 2.4999% | 1,881 |
| Loan and lease loss provision to assets | 0.2252% | 311 |
| Net operating income to assets | 0.6193% | 3,332 |
| Return on assets (ROA) | 0.6216% | 3,305 |
| Pretax return on assets | 0.7494% | 3,253 |
| Return on Equity (ROE) | 5.3377% | 3,531 |
| Retained earnings to average equity (ytd only) | 5.3377% | 2,466 |
| Net charge-offs to loans | 0.0133% | 1,281 |
| Credit loss provision to net charge-offs | 2,222.2222% | 196 |
| Earnings coverage of net charge-offs (x) | 95.8889% | 687 |
| Efficiency ratio | 72.0078% | 1,974 |
| Assets per employee ($millions) | 6.2552% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 3,013 |
| Loan loss allowance to noncurrent loans | 68.5871% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.3696% | 279 |
| Noncurrent loans to loans | 1.7020% | 458 |
| Net loans and leases to total assets | 77.8561% | 384 |
| Net loans and leases to deposits | 92.3332% | 419 |
| Net loans and leases to core deposits | 96.0155% | 655 |
| Total domestic deposits to total assets | 84.3209% | 3,702 |
| Equity capital to assets | 11.3521% | 1,178 |
| Core capital (leverage) ratio | 12.1393% | 1,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $710,435,000 | 1,307 |
| Average earning assets | $663,931,500 | 1,307 |
| Average equity | $82,732,000 | 1,162 |
| Average total loans | $540,078,000 | 1,098 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7690% | 1,943 |
| Cost of funding earning assets | 0.4195% | 1,395 |
| Net interest margin | 3.3495% | 2,169 |
| Noninterest income to average assets | 0.4199% | 2,946 |
| Noninterest expense to average assets | 2.3623% | 2,615 |
| Loan and lease loss provision to assets | 0.0922% | 1,354 |
| Net operating income to assets | 0.9036% | 3,029 |
| Return on assets (ROA) | 0.9066% | 3,077 |
| Pretax return on assets | 1.1010% | 2,965 |
| Return on Equity (ROE) | 7.6624% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.6624% | 1,671 |
| Net charge-offs to loans | 0.0725% | 1,067 |
| Credit loss provision to net charge-offs | 167.0951% | 1,423 |
| Earnings coverage of net charge-offs (x) | 21.5630% | 1,820 |
| Efficiency ratio | 66.5096% | 2,191 |
| Assets per employee ($millions) | 6.4912% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 3,025 |
| Loan loss allowance to noncurrent loans | 63.4911% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.3667% | 324 |
| Noncurrent loans to loans | 1.8413% | 450 |
| Net loans and leases to total assets | 72.4367% | 812 |
| Net loans and leases to deposits | 86.4808% | 753 |
| Net loans and leases to core deposits | 90.6186% | 947 |
| Total domestic deposits to total assets | 83.7604% | 3,623 |
| Equity capital to assets | 11.9354% | 1,277 |
| Core capital (leverage) ratio | 11.9579% | 1,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $705,168,800 | 1,279 |
| Average earning assets | $659,358,200 | 1,279 |
| Average equity | $83,433,400 | 1,165 |
| Average total loans | $536,260,800 | 1,107 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8169% | 1,982 |
| Cost of funding earning assets | 0.4523% | 1,340 |
| Net interest margin | 3.3646% | 2,254 |
| Noninterest income to average assets | 0.3894% | 3,150 |
| Noninterest expense to average assets | 2.3737% | 2,525 |
| Loan and lease loss provision to assets | 0.1233% | 949 |
| Net operating income to assets | 0.8582% | 3,356 |
| Return on assets (ROA) | 0.8609% | 3,415 |
| Pretax return on assets | 1.0409% | 3,346 |
| Return on Equity (ROE) | 7.2926% | 3,590 |
| Retained earnings to average equity (ytd only) | 7.2926% | 2,312 |
| Net charge-offs to loans | 0.0944% | 770 |
| Credit loss provision to net charge-offs | 170.1571% | 1,285 |
| Earnings coverage of net charge-offs (x) | 16.0236% | 1,850 |
| Efficiency ratio | 67.1550% | 1,946 |
| Assets per employee ($millions) | 6.3849% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 3,190 |
| Loan loss allowance to noncurrent loans | 62.0819% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.4058% | 370 |
| Noncurrent loans to loans | 1.8587% | 506 |
| Net loans and leases to total assets | 74.0329% | 691 |
| Net loans and leases to deposits | 88.2115% | 707 |
| Net loans and leases to core deposits | 92.5195% | 901 |
| Total domestic deposits to total assets | 83.9266% | 3,476 |
| Equity capital to assets | 11.7548% | 1,511 |
| Core capital (leverage) ratio | 11.5087% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $702,952,750 | 1,303 |
| Average earning assets | $657,131,250 | 1,293 |
| Average equity | $82,986,000 | 1,189 |
| Average total loans | $539,491,000 | 1,120 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7606% | 2,174 |
| Cost of funding earning assets | 0.4808% | 1,315 |
| Net interest margin | 3.2797% | 2,515 |
| Noninterest income to average assets | 0.3954% | 3,127 |
| Noninterest expense to average assets | 2.3200% | 2,702 |
| Loan and lease loss provision to assets | 0.1854% | 615 |
| Net operating income to assets | 0.7934% | 3,532 |
| Return on assets (ROA) | 0.7963% | 3,597 |
| Pretax return on assets | 0.9583% | 3,531 |
| Return on Equity (ROE) | 6.7352% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.7352% | 2,528 |
| Net charge-offs to loans | 0.0059% | 1,933 |
| Credit loss provision to net charge-offs | 4,062.5000% | 167 |
| Earnings coverage of net charge-offs (x) | 249.8125% | 434 |
| Efficiency ratio | 67.0459% | 2,004 |
| Assets per employee ($millions) | 6.3452% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 3,081 |
| Loan loss allowance to noncurrent loans | 245.2210% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 2,064 |
| Noncurrent loans to loans | 0.4787% | 2,236 |
| Net loans and leases to total assets | 76.8910% | 514 |
| Net loans and leases to deposits | 92.2346% | 530 |
| Net loans and leases to core deposits | 96.8588% | 769 |
| Total domestic deposits to total assets | 83.3645% | 3,619 |
| Equity capital to assets | 11.5496% | 1,600 |
| Core capital (leverage) ratio | 11.3862% | 1,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $701,028,667 | 1,303 |
| Average earning assets | $655,114,333 | 1,295 |
| Average equity | $82,878,333 | 1,186 |
| Average total loans | $542,383,000 | 1,119 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7435% | 2,256 |
| Cost of funding earning assets | 0.4995% | 1,397 |
| Net interest margin | 3.2440% | 2,564 |
| Noninterest income to average assets | 0.4389% | 2,876 |
| Noninterest expense to average assets | 2.2085% | 3,084 |
| Loan and lease loss provision to assets | 0.0862% | 1,525 |
| Net operating income to assets | 0.9924% | 2,833 |
| Return on assets (ROA) | 0.9997% | 2,901 |
| Pretax return on assets | 1.1830% | 2,892 |
| Return on Equity (ROE) | 8.3575% | 3,222 |
| Retained earnings to average equity (ytd only) | 8.3575% | 2,133 |
| Net charge-offs to loans | 0.0022% | 1,839 |
| Credit loss provision to net charge-offs | 5,000.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 731.3333% | 130 |
| Efficiency ratio | 63.6635% | 2,508 |
| Assets per employee ($millions) | 6.0865% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 3,414 |
| Loan loss allowance to noncurrent loans | 200.2001% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 2,100 |
| Noncurrent loans to loans | 0.5511% | 2,208 |
| Net loans and leases to total assets | 76.2295% | 610 |
| Net loans and leases to deposits | 91.9277% | 596 |
| Net loans and leases to core deposits | 96.4972% | 863 |
| Total domestic deposits to total assets | 82.9233% | 3,703 |
| Equity capital to assets | 11.8655% | 1,352 |
| Core capital (leverage) ratio | 12.0331% | 1,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $696,214,500 | 1,291 |
| Average earning assets | $650,307,500 | 1,291 |
| Average equity | $83,278,500 | 1,169 |
| Average total loans | $537,113,500 | 1,131 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9820% | 2,787 |
| Cost of funding earning assets | 0.7363% | 1,533 |
| Net interest margin | 3.2457% | 3,226 |
| Noninterest income to average assets | 0.4551% | 2,847 |
| Noninterest expense to average assets | 2.3792% | 3,178 |
| Loan and lease loss provision to assets | 0.2472% | 1,561 |
| Net operating income to assets | 0.7188% | 3,369 |
| Return on assets (ROA) | 0.7262% | 3,471 |
| Pretax return on assets | 0.8643% | 3,464 |
| Return on Equity (ROE) | 5.8972% | 3,614 |
| Retained earnings to average equity (ytd only) | 5.8972% | 1,843 |
| Net charge-offs to loans | 0.0071% | 3,090 |
| Credit loss provision to net charge-offs | 4,642.8571% | 231 |
| Earnings coverage of net charge-offs (x) | 207.1143% | 455 |
| Efficiency ratio | 68.3311% | 2,194 |
| Assets per employee ($millions) | 5.9686% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 3,436 |
| Loan loss allowance to noncurrent loans | 185.4655% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 2,154 |
| Noncurrent loans to loans | 0.5958% | 2,209 |
| Net loans and leases to total assets | 76.3642% | 748 |
| Net loans and leases to deposits | 92.7662% | 735 |
| Net loans and leases to core deposits | 97.6458% | 1,024 |
| Total domestic deposits to total assets | 82.3190% | 3,588 |
| Equity capital to assets | 12.0605% | 1,539 |
| Core capital (leverage) ratio | 11.8193% | 1,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $657,403,600 | 1,244 |
| Average earning assets | $613,064,000 | 1,240 |
| Average equity | $80,953,800 | 1,148 |
| Average total loans | $494,576,000 | 1,150 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0504% | 2,823 |
| Cost of funding earning assets | 0.7915% | 1,542 |
| Net interest margin | 3.2589% | 3,312 |
| Noninterest income to average assets | 0.3907% | 3,125 |
| Noninterest expense to average assets | 2.3561% | 3,269 |
| Loan and lease loss provision to assets | 0.2307% | 1,760 |
| Net operating income to assets | 0.7101% | 3,430 |
| Return on assets (ROA) | 0.7143% | 3,517 |
| Pretax return on assets | 0.8467% | 3,525 |
| Return on Equity (ROE) | 5.7690% | 3,628 |
| Retained earnings to average equity (ytd only) | 5.7690% | 2,195 |
| Net charge-offs to loans | 0.0124% | 2,667 |
| Credit loss provision to net charge-offs | 2,500.0000% | 402 |
| Earnings coverage of net charge-offs (x) | 116.2222% | 712 |
| Efficiency ratio | 68.7182% | 2,081 |
| Assets per employee ($millions) | 6.0422% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 3,324 |
| Loan loss allowance to noncurrent loans | 145.1018% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 2,019 |
| Noncurrent loans to loans | 0.7420% | 1,955 |
| Net loans and leases to total assets | 71.9563% | 1,672 |
| Net loans and leases to deposits | 87.8295% | 1,505 |
| Net loans and leases to core deposits | 92.6583% | 1,741 |
| Total domestic deposits to total assets | 81.9273% | 3,442 |
| Equity capital to assets | 11.9075% | 1,734 |
| Core capital (leverage) ratio | 11.6907% | 1,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $650,156,750 | 1,236 |
| Average earning assets | $606,085,750 | 1,233 |
| Average equity | $80,496,750 | 1,145 |
| Average total loans | $485,716,500 | 1,161 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1900% | 2,797 |
| Cost of funding earning assets | 0.8593% | 1,549 |
| Net interest margin | 3.3307% | 3,308 |
| Noninterest income to average assets | 0.3720% | 3,245 |
| Noninterest expense to average assets | 2.4077% | 3,245 |
| Loan and lease loss provision to assets | 0.2581% | 1,637 |
| Net operating income to assets | 0.6837% | 3,449 |
| Return on assets (ROA) | 0.6864% | 3,543 |
| Pretax return on assets | 0.8112% | 3,553 |
| Return on Equity (ROE) | 5.4693% | 3,684 |
| Retained earnings to average equity (ytd only) | 5.4693% | 2,284 |
| Net charge-offs to loans | 0.0116% | 2,544 |
| Credit loss provision to net charge-offs | 2,946.4286% | 367 |
| Earnings coverage of net charge-offs (x) | 121.7143% | 614 |
| Efficiency ratio | 69.3084% | 2,047 |
| Assets per employee ($millions) | 6.1116% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 3,427 |
| Loan loss allowance to noncurrent loans | 97.9876% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.7914% | 1,571 |
| Noncurrent loans to loans | 1.0483% | 1,488 |
| Net loans and leases to total assets | 71.9263% | 1,723 |
| Net loans and leases to deposits | 87.6958% | 1,588 |
| Net loans and leases to core deposits | 92.8814% | 1,826 |
| Total domestic deposits to total assets | 82.0179% | 3,366 |
| Equity capital to assets | 11.8070% | 1,779 |
| Core capital (leverage) ratio | 11.8330% | 1,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $639,288,000 | 1,234 |
| Average earning assets | $595,366,667 | 1,229 |
| Average equity | $80,229,000 | 1,135 |
| Average total loans | $482,076,000 | 1,148 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3849% | 2,673 |
| Cost of funding earning assets | 0.9899% | 1,463 |
| Net interest margin | 3.3950% | 3,310 |
| Noninterest income to average assets | 0.3834% | 3,210 |
| Noninterest expense to average assets | 2.6127% | 2,943 |
| Loan and lease loss provision to assets | 0.3227% | 959 |
| Net operating income to assets | 0.5099% | 3,867 |
| Return on assets (ROA) | 0.4989% | 3,958 |
| Pretax return on assets | 0.5893% | 3,937 |
| Return on Equity (ROE) | 3.8508% | 3,993 |
| Retained earnings to average equity (ytd only) | 3.8508% | 2,735 |
| Net charge-offs to loans | 0.0059% | 2,362 |
| Credit loss provision to net charge-offs | 7,142.8571% | 104 |
| Earnings coverage of net charge-offs (x) | 204.7143% | 339 |
| Efficiency ratio | 73.8551% | 1,840 |
| Assets per employee ($millions) | 5.6631% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 3,741 |
| Loan loss allowance to noncurrent loans | 117.0396% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.7599% | 1,778 |
| Noncurrent loans to loans | 0.8506% | 1,917 |
| Net loans and leases to total assets | 75.3056% | 1,418 |
| Net loans and leases to deposits | 93.8167% | 1,095 |
| Net loans and leases to core deposits | 100.2202% | 1,453 |
| Total domestic deposits to total assets | 80.2689% | 3,809 |
| Equity capital to assets | 12.9052% | 1,485 |
| Core capital (leverage) ratio | 12.8464% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $619,736,000 | 1,231 |
| Average earning assets | $575,792,500 | 1,231 |
| Average equity | $80,294,500 | 1,132 |
| Average total loans | $476,611,000 | 1,134 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5577% | 2,755 |
| Cost of funding earning assets | 0.9995% | 1,723 |
| Net interest margin | 3.5583% | 3,258 |
| Noninterest income to average assets | 0.4032% | 3,273 |
| Noninterest expense to average assets | 2.7041% | 2,871 |
| Loan and lease loss provision to assets | 0.1559% | 1,354 |
| Net operating income to assets | 0.7164% | 3,815 |
| Return on assets (ROA) | 0.7306% | 3,834 |
| Pretax return on assets | 0.8546% | 3,865 |
| Return on Equity (ROE) | 5.4182% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.4182% | 2,216 |
| Net charge-offs to loans | 0.0185% | 3,058 |
| Credit loss provision to net charge-offs | 1,111.1111% | 311 |
| Earnings coverage of net charge-offs (x) | 70.8395% | 881 |
| Efficiency ratio | 73.1241% | 1,712 |
| Assets per employee ($millions) | 5.4059% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8981% | 3,967 |
| Loan loss allowance to noncurrent loans | 118.0360% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 1,804 |
| Noncurrent loans to loans | 0.7609% | 1,993 |
| Net loans and leases to total assets | 77.0741% | 1,250 |
| Net loans and leases to deposits | 96.3784% | 907 |
| Net loans and leases to core deposits | 103.1168% | 1,301 |
| Total domestic deposits to total assets | 79.9703% | 3,984 |
| Equity capital to assets | 13.0088% | 1,514 |
| Core capital (leverage) ratio | 13.0060% | 1,231 |
| Tier 1 risk-based capital ratio | 17.0861% | 2,026 |
| Total risk-based capital ratio | 18.0183% | 2,070 |
| Memoranda: | ||
| Average total assets | $577,356,000 | 1,262 |
| Average earning assets | $534,588,000 | 1,262 |
| Average equity | $77,849,200 | 1,113 |
| Average total loans | $437,364,600 | 1,184 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 2,862 |
| Cost of funding earning assets | 0.9806% | 1,843 |
| Net interest margin | 3.5791% | 3,305 |
| Noninterest income to average assets | 0.3977% | 3,333 |
| Noninterest expense to average assets | 2.7246% | 2,793 |
| Loan and lease loss provision to assets | 0.1699% | 1,087 |
| Net operating income to assets | 0.6956% | 4,027 |
| Return on assets (ROA) | 0.7145% | 4,037 |
| Pretax return on assets | 0.8373% | 4,040 |
| Return on Equity (ROE) | 5.2492% | 4,260 |
| Retained earnings to average equity (ytd only) | 5.2492% | 2,755 |
| Net charge-offs to loans | 0.0100% | 3,018 |
| Credit loss provision to net charge-offs | 2,265.6250% | 179 |
| Earnings coverage of net charge-offs (x) | 131.3302% | 603 |
| Efficiency ratio | 73.4491% | 1,649 |
| Assets per employee ($millions) | 5.2823% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8864% | 4,103 |
| Loan loss allowance to noncurrent loans | 118.7554% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7132% | 1,917 |
| Noncurrent loans to loans | 0.7464% | 2,097 |
| Net loans and leases to total assets | 77.5738% | 1,211 |
| Net loans and leases to deposits | 97.4730% | 875 |
| Net loans and leases to core deposits | 103.8160% | 1,339 |
| Total domestic deposits to total assets | 79.5849% | 4,074 |
| Equity capital to assets | 13.1479% | 1,543 |
| Core capital (leverage) ratio | 13.1797% | 1,265 |
| Tier 1 risk-based capital ratio | 17.0113% | 2,083 |
| Total risk-based capital ratio | 17.9264% | 2,131 |
| Memoranda: | ||
| Average total assets | $568,977,000 | 1,279 |
| Average earning assets | $526,489,000 | 1,280 |
| Average equity | $77,444,750 | 1,119 |
| Average total loans | $427,933,000 | 1,211 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5079% | 2,989 |
| Cost of funding earning assets | 0.9532% | 1,893 |
| Net interest margin | 3.5547% | 3,419 |
| Noninterest income to average assets | 0.3888% | 3,347 |
| Noninterest expense to average assets | 2.7888% | 2,636 |
| Loan and lease loss provision to assets | 0.1519% | 1,203 |
| Net operating income to assets | 0.6243% | 4,238 |
| Return on assets (ROA) | 0.6429% | 4,235 |
| Pretax return on assets | 0.7562% | 4,202 |
| Return on Equity (ROE) | 4.6667% | 4,427 |
| Retained earnings to average equity (ytd only) | 4.6667% | 2,939 |
| Net charge-offs to loans | 0.0048% | 2,988 |
| Credit loss provision to net charge-offs | 4,250.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 248.0000% | 327 |
| Efficiency ratio | 75.8849% | 1,410 |
| Assets per employee ($millions) | 5.1646% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8699% | 4,198 |
| Loan loss allowance to noncurrent loans | 112.4600% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.7238% | 1,906 |
| Noncurrent loans to loans | 0.7736% | 2,054 |
| Net loans and leases to total assets | 76.0990% | 1,533 |
| Net loans and leases to deposits | 94.9932% | 1,151 |
| Net loans and leases to core deposits | 102.8465% | 1,483 |
| Total domestic deposits to total assets | 80.1100% | 4,021 |
| Equity capital to assets | 13.3108% | 1,432 |
| Core capital (leverage) ratio | 13.3759% | 1,160 |
| Tier 1 risk-based capital ratio | 17.4511% | 1,954 |
| Total risk-based capital ratio | 18.3416% | 2,007 |
| Memoranda: | ||
| Average total assets | $559,670,670 | 1,297 |
| Average earning assets | $517,399,670 | 1,296 |
| Average equity | $77,100,000 | 1,116 |
| Average total loans | $414,852,000 | 1,238 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4765% | 2,953 |
| Cost of funding earning assets | 0.9150% | 1,937 |
| Net interest margin | 3.5615% | 3,395 |
| Noninterest income to average assets | 0.3925% | 3,231 |
| Noninterest expense to average assets | 2.8640% | 2,375 |
| Loan and lease loss provision to assets | 0.0545% | 2,577 |
| Net operating income to assets | 0.6494% | 4,095 |
| Return on assets (ROA) | 0.6796% | 4,042 |
| Pretax return on assets | 0.8003% | 4,043 |
| Return on Equity (ROE) | 4.8475% | 4,365 |
| Retained earnings to average equity (ytd only) | 4.8475% | 2,973 |
| Net charge-offs to loans | 0.0080% | 2,404 |
| Credit loss provision to net charge-offs | 937.5000% | 392 |
| Earnings coverage of net charge-offs (x) | 140.8750% | 530 |
| Efficiency ratio | 77.7580% | 1,298 |
| Assets per employee ($millions) | 4.9543% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8688% | 4,275 |
| Loan loss allowance to noncurrent loans | 102.4184% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 1,872 |
| Noncurrent loans to loans | 0.8483% | 1,939 |
| Net loans and leases to total assets | 72.2789% | 2,107 |
| Net loans and leases to deposits | 90.2951% | 1,590 |
| Net loans and leases to core deposits | 97.7439% | 1,796 |
| Total domestic deposits to total assets | 80.0474% | 4,168 |
| Equity capital to assets | 14.0495% | 1,018 |
| Core capital (leverage) ratio | 14.1519% | 911 |
| Tier 1 risk-based capital ratio | 19.2878% | 1,485 |
| Total risk-based capital ratio | 20.1649% | 1,529 |
| Memoranda: | ||
| Average total assets | $550,286,000 | 1,317 |
| Average earning assets | $508,437,500 | 1,322 |
| Average equity | $77,152,500 | 1,109 |
| Average total loans | $400,253,000 | 1,278 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3498% | 2,932 |
| Cost of funding earning assets | 0.7538% | 1,768 |
| Net interest margin | 3.5960% | 3,395 |
| Noninterest income to average assets | 0.4145% | 3,352 |
| Noninterest expense to average assets | 2.8004% | 2,692 |
| Loan and lease loss provision to assets | 0.0726% | 2,680 |
| Net operating income to assets | 0.7564% | 3,947 |
| Return on assets (ROA) | 0.7800% | 3,883 |
| Pretax return on assets | 0.9023% | 3,896 |
| Return on Equity (ROE) | 5.5894% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.5894% | 2,423 |
| Net charge-offs to loans | 0.0587% | 2,301 |
| Credit loss provision to net charge-offs | 173.3333% | 1,620 |
| Earnings coverage of net charge-offs (x) | 22.6089% | 1,893 |
| Efficiency ratio | 74.7167% | 1,536 |
| Assets per employee ($millions) | 4.7868% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 4,297 |
| Loan loss allowance to noncurrent loans | 105.4434% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 1,917 |
| Noncurrent loans to loans | 0.8259% | 1,947 |
| Net loans and leases to total assets | 71.9237% | 2,271 |
| Net loans and leases to deposits | 89.7290% | 1,831 |
| Net loans and leases to core deposits | 96.3811% | 2,028 |
| Total domestic deposits to total assets | 80.1566% | 4,069 |
| Equity capital to assets | 13.9909% | 972 |
| Core capital (leverage) ratio | 13.9943% | 925 |
| Tier 1 risk-based capital ratio | 19.7022% | 1,355 |
| Total risk-based capital ratio | 20.5924% | 1,403 |
| Memoranda: | ||
| Average total assets | $536,824,000 | 1,319 |
| Average earning assets | $497,635,800 | 1,318 |
| Average equity | $74,909,600 | 1,092 |
| Average total loans | $383,299,000 | 1,299 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2858% | 3,017 |
| Cost of funding earning assets | 0.7261% | 1,714 |
| Net interest margin | 3.5597% | 3,492 |
| Noninterest income to average assets | 0.4080% | 3,433 |
| Noninterest expense to average assets | 2.7551% | 2,793 |
| Loan and lease loss provision to assets | 0.0786% | 2,384 |
| Net operating income to assets | 0.7536% | 4,064 |
| Return on assets (ROA) | 0.7821% | 3,976 |
| Pretax return on assets | 0.9098% | 3,990 |
| Return on Equity (ROE) | 5.6086% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.6086% | 2,882 |
| Net charge-offs to loans | 0.0737% | 1,793 |
| Credit loss provision to net charge-offs | 150.0000% | 1,705 |
| Earnings coverage of net charge-offs (x) | 18.2383% | 2,059 |
| Efficiency ratio | 74.2556% | 1,553 |
| Assets per employee ($millions) | 4.7920% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8646% | 4,391 |
| Loan loss allowance to noncurrent loans | 102.0482% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.9208% | 1,604 |
| Noncurrent loans to loans | 0.8473% | 2,011 |
| Net loans and leases to total assets | 71.1102% | 2,477 |
| Net loans and leases to deposits | 88.3671% | 2,108 |
| Net loans and leases to core deposits | 94.2398% | 2,266 |
| Total domestic deposits to total assets | 80.4714% | 4,001 |
| Equity capital to assets | 13.6404% | 1,079 |
| Core capital (leverage) ratio | 13.8419% | 982 |
| Tier 1 risk-based capital ratio | 19.4234% | 1,449 |
| Total risk-based capital ratio | 20.2985% | 1,499 |
| Memoranda: | ||
| Average total assets | $534,607,000 | 1,325 |
| Average earning assets | $495,947,500 | 1,323 |
| Average equity | $74,550,250 | 1,096 |
| Average total loans | $380,141,250 | 1,310 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2314% | 3,008 |
| Cost of funding earning assets | 0.6921% | 1,664 |
| Net interest margin | 3.5393% | 3,505 |
| Noninterest income to average assets | 0.4013% | 3,479 |
| Noninterest expense to average assets | 2.7537% | 2,834 |
| Loan and lease loss provision to assets | 0.0716% | 2,456 |
| Net operating income to assets | 0.7366% | 4,079 |
| Return on assets (ROA) | 0.7699% | 3,963 |
| Pretax return on assets | 0.9029% | 3,954 |
| Return on Equity (ROE) | 5.4800% | 4,418 |
| Retained earnings to average equity (ytd only) | 5.4800% | 2,835 |
| Net charge-offs to loans | -0.0005% | 3,863 |
| Credit loss provision to net charge-offs | -19,000.0000% | 4,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6450% | 1,621 |
| Assets per employee ($millions) | 4.7285% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 4,340 |
| Loan loss allowance to noncurrent loans | 72.3599% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 0.9710% | 1,555 |
| Noncurrent loans to loans | 1.2444% | 1,391 |
| Net loans and leases to total assets | 70.3111% | 2,533 |
| Net loans and leases to deposits | 87.3056% | 2,183 |
| Net loans and leases to core deposits | 91.9893% | 2,400 |
| Total domestic deposits to total assets | 80.5344% | 4,125 |
| Equity capital to assets | 13.5824% | 1,069 |
| Core capital (leverage) ratio | 13.8081% | 963 |
| Tier 1 risk-based capital ratio | 19.5542% | 1,418 |
| Total risk-based capital ratio | 20.4716% | 1,453 |
| Memoranda: | ||
| Average total assets | $530,713,670 | 1,335 |
| Average earning assets | $492,980,670 | 1,330 |
| Average equity | $74,561,670 | 1,095 |
| Average total loans | $376,237,000 | 1,318 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 2,810 |
| Cost of funding earning assets | 0.6657% | 1,624 |
| Net interest margin | 3.5575% | 3,320 |
| Noninterest income to average assets | 0.4060% | 3,419 |
| Noninterest expense to average assets | 2.8006% | 2,687 |
| Loan and lease loss provision to assets | 0.0572% | 2,629 |
| Net operating income to assets | 0.7260% | 3,999 |
| Return on assets (ROA) | 0.7448% | 3,922 |
| Pretax return on assets | 0.8737% | 3,934 |
| Return on Equity (ROE) | 5.2113% | 4,415 |
| Retained earnings to average equity (ytd only) | 5.2113% | 3,074 |
| Net charge-offs to loans | -0.0097% | 4,233 |
| Credit loss provision to net charge-offs | -833.3333% | 4,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4989% | 1,667 |
| Assets per employee ($millions) | 4.6904% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8990% | 4,455 |
| Loan loss allowance to noncurrent loans | 72.6743% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 0.9530% | 1,661 |
| Noncurrent loans to loans | 1.2370% | 1,471 |
| Net loans and leases to total assets | 70.0322% | 2,486 |
| Net loans and leases to deposits | 88.2417% | 1,899 |
| Net loans and leases to core deposits | 94.8826% | 2,066 |
| Total domestic deposits to total assets | 79.3641% | 4,518 |
| Equity capital to assets | 14.1661% | 849 |
| Core capital (leverage) ratio | 14.4051% | 784 |
| Tier 1 risk-based capital ratio | 20.4161% | 1,278 |
| Total risk-based capital ratio | 21.3336% | 1,298 |
| Memoranda: | ||
| Average total assets | $524,182,500 | 1,362 |
| Average earning assets | $486,741,000 | 1,364 |
| Average equity | $74,913,500 | 1,097 |
| Average total loans | $371,451,000 | 1,338 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1784% | 2,768 |
| Cost of funding earning assets | 0.5932% | 1,648 |
| Net interest margin | 3.5851% | 3,221 |
| Noninterest income to average assets | 0.4257% | 3,470 |
| Noninterest expense to average assets | 2.7710% | 2,887 |
| Loan and lease loss provision to assets | 0.1013% | 2,202 |
| Net operating income to assets | 0.6396% | 3,856 |
| Return on assets (ROA) | 0.6945% | 3,680 |
| Pretax return on assets | 0.9503% | 3,736 |
| Return on Equity (ROE) | 4.7704% | 4,260 |
| Retained earnings to average equity (ytd only) | 4.7704% | 2,278 |
| Net charge-offs to loans | 0.0306% | 3,186 |
| Credit loss provision to net charge-offs | 467.8899% | 668 |
| Earnings coverage of net charge-offs (x) | 45.1101% | 1,176 |
| Efficiency ratio | 73.9469% | 1,900 |
| Assets per employee ($millions) | 4.6698% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8913% | 4,516 |
| Loan loss allowance to noncurrent loans | 85.0739% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.8284% | 1,885 |
| Noncurrent loans to loans | 1.0476% | 1,697 |
| Net loans and leases to total assets | 70.4294% | 2,459 |
| Net loans and leases to deposits | 89.1459% | 1,872 |
| Net loans and leases to core deposits | 95.5406% | 2,075 |
| Total domestic deposits to total assets | 79.0047% | 4,544 |
| Equity capital to assets | 14.4197% | 801 |
| Core capital (leverage) ratio | 14.3983% | 753 |
| Tier 1 risk-based capital ratio | 20.8219% | 1,170 |
| Total risk-based capital ratio | 21.7500% | 1,198 |
| Memoranda: | ||
| Average total assets | $503,646,400 | 1,393 |
| Average earning assets | $466,619,400 | 1,391 |
| Average equity | $73,327,400 | 1,086 |
| Average total loans | $355,753,200 | 1,365 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1890% | 2,654 |
| Cost of funding earning assets | 0.5742% | 1,715 |
| Net interest margin | 3.6148% | 3,088 |
| Noninterest income to average assets | 0.4347% | 3,439 |
| Noninterest expense to average assets | 2.7681% | 2,833 |
| Loan and lease loss provision to assets | 0.1200% | 1,809 |
| Net operating income to assets | 0.7033% | 3,963 |
| Return on assets (ROA) | 0.7750% | 3,674 |
| Pretax return on assets | 0.9848% | 3,745 |
| Return on Equity (ROE) | 5.3096% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.3096% | 2,672 |
| Net charge-offs to loans | 0.0435% | 2,571 |
| Credit loss provision to net charge-offs | 391.3043% | 778 |
| Earnings coverage of net charge-offs (x) | 33.0695% | 1,472 |
| Efficiency ratio | 73.1862% | 2,013 |
| Assets per employee ($millions) | 4.7008% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8798% | 4,651 |
| Loan loss allowance to noncurrent loans | 85.2637% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 0.8365% | 2,055 |
| Noncurrent loans to loans | 1.0318% | 1,879 |
| Net loans and leases to total assets | 70.7372% | 2,452 |
| Net loans and leases to deposits | 89.7964% | 1,832 |
| Net loans and leases to core deposits | 95.7385% | 2,106 |
| Total domestic deposits to total assets | 78.7751% | 4,579 |
| Equity capital to assets | 14.5266% | 849 |
| Core capital (leverage) ratio | 14.4760% | 774 |
| Tier 1 risk-based capital ratio | 20.9157% | 1,210 |
| Total risk-based capital ratio | 21.8383% | 1,236 |
| Memoranda: | ||
| Average total assets | $499,969,750 | 1,411 |
| Average earning assets | $463,005,250 | 1,420 |
| Average equity | $72,973,000 | 1,100 |
| Average total loans | $352,602,500 | 1,383 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 2,565 |
| Cost of funding earning assets | 0.5559% | 1,738 |
| Net interest margin | 3.6186% | 2,956 |
| Noninterest income to average assets | 0.4356% | 3,451 |
| Noninterest expense to average assets | 2.7675% | 2,872 |
| Loan and lease loss provision to assets | 0.1513% | 1,336 |
| Net operating income to assets | 0.6871% | 3,904 |
| Return on assets (ROA) | 0.7805% | 3,537 |
| Pretax return on assets | 0.9854% | 3,619 |
| Return on Equity (ROE) | 5.3389% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.3389% | 2,506 |
| Net charge-offs to loans | 0.0195% | 2,854 |
| Credit loss provision to net charge-offs | 1,102.9412% | 362 |
| Earnings coverage of net charge-offs (x) | 74.2647% | 808 |
| Efficiency ratio | 73.0982% | 2,169 |
| Assets per employee ($millions) | 4.6752% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8776% | 4,725 |
| Loan loss allowance to noncurrent loans | 77.5505% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 0.8712% | 2,033 |
| Noncurrent loans to loans | 1.1317% | 1,734 |
| Net loans and leases to total assets | 72.0962% | 2,184 |
| Net loans and leases to deposits | 91.6377% | 1,546 |
| Net loans and leases to core deposits | 97.4103% | 1,857 |
| Total domestic deposits to total assets | 78.6752% | 4,694 |
| Equity capital to assets | 14.5562% | 812 |
| Core capital (leverage) ratio | 14.6289% | 711 |
| Tier 1 risk-based capital ratio | 20.7288% | 1,238 |
| Total risk-based capital ratio | 21.6556% | 1,264 |
| Memoranda: | ||
| Average total assets | $495,831,670 | 1,426 |
| Average earning assets | $459,074,330 | 1,427 |
| Average equity | $72,486,670 | 1,106 |
| Average total loans | $348,249,000 | 1,400 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2025% | 2,274 |
| Cost of funding earning assets | 0.5494% | 1,718 |
| Net interest margin | 3.6531% | 2,682 |
| Noninterest income to average assets | 0.4364% | 3,406 |
| Noninterest expense to average assets | 2.8285% | 2,692 |
| Loan and lease loss provision to assets | 0.2850% | 497 |
| Net operating income to assets | 0.5690% | 4,285 |
| Return on assets (ROA) | 0.6106% | 4,169 |
| Pretax return on assets | 0.7588% | 4,255 |
| Return on Equity (ROE) | 4.1677% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.1677% | 3,372 |
| Net charge-offs to loans | 0.0401% | 2,013 |
| Credit loss provision to net charge-offs | 1,029.4118% | 306 |
| Earnings coverage of net charge-offs (x) | 35.8235% | 1,111 |
| Efficiency ratio | 74.0409% | 2,226 |
| Assets per employee ($millions) | 4.4865% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 4,685 |
| Loan loss allowance to noncurrent loans | 71.4158% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 0.9900% | 1,845 |
| Noncurrent loans to loans | 1.2859% | 1,569 |
| Net loans and leases to total assets | 69.9165% | 2,392 |
| Net loans and leases to deposits | 87.3499% | 1,877 |
| Net loans and leases to core deposits | 93.0287% | 2,063 |
| Total domestic deposits to total assets | 80.0419% | 4,612 |
| Equity capital to assets | 14.6588% | 718 |
| Core capital (leverage) ratio | 14.6197% | 687 |
| Tier 1 risk-based capital ratio | 21.5497% | 1,149 |
| Total risk-based capital ratio | 22.5231% | 1,164 |
| Memoranda: | ||
| Average total assets | $491,287,500 | 1,443 |
| Average earning assets | $455,063,500 | 1,442 |
| Average equity | $71,981,500 | 1,108 |
| Average total loans | $338,748,000 | 1,427 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9558% | 3,360 |
| Cost of funding earning assets | 0.5457% | 1,734 |
| Net interest margin | 3.4101% | 3,789 |
| Noninterest income to average assets | 0.4640% | 3,458 |
| Noninterest expense to average assets | 2.8161% | 2,974 |
| Loan and lease loss provision to assets | 0.2347% | 920 |
| Net operating income to assets | 0.4618% | 4,761 |
| Return on assets (ROA) | 0.7623% | 3,587 |
| Pretax return on assets | 0.9454% | 3,667 |
| Return on Equity (ROE) | 5.1106% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.1106% | 2,278 |
| Net charge-offs to loans | 0.0725% | 2,663 |
| Credit loss provision to net charge-offs | 493.4211% | 672 |
| Earnings coverage of net charge-offs (x) | 17.0132% | 2,077 |
| Efficiency ratio | 77.6787% | 1,741 |
| Assets per employee ($millions) | 4.5707% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 4,879 |
| Loan loss allowance to noncurrent loans | 48.8475% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 1.2906% | 1,368 |
| Noncurrent loans to loans | 1.7919% | 1,058 |
| Net loans and leases to total assets | 66.7337% | 2,966 |
| Net loans and leases to deposits | 83.4170% | 2,488 |
| Net loans and leases to core deposits | 88.0940% | 2,666 |
| Total domestic deposits to total assets | 80.0001% | 4,575 |
| Equity capital to assets | 14.6444% | 699 |
| Core capital (leverage) ratio | 14.7343% | 648 |
| Tier 1 risk-based capital ratio | 22.2293% | 1,048 |
| Total risk-based capital ratio | 23.1501% | 1,071 |
| Memoranda: | ||
| Average total assets | $479,354,000 | 1,433 |
| Average earning assets | $444,381,600 | 1,430 |
| Average equity | $71,498,600 | 1,101 |
| Average total loans | $314,387,400 | 1,468 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 3,344 |
| Cost of funding earning assets | 0.5493% | 1,696 |
| Net interest margin | 3.4168% | 3,793 |
| Noninterest income to average assets | 0.4677% | 3,440 |
| Noninterest expense to average assets | 2.8059% | 2,986 |
| Loan and lease loss provision to assets | 0.0867% | 2,493 |
| Net operating income to assets | 0.5848% | 4,351 |
| Return on assets (ROA) | 0.9698% | 2,707 |
| Pretax return on assets | 1.2306% | 2,701 |
| Return on Equity (ROE) | 6.4717% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.4717% | 1,930 |
| Net charge-offs to loans | 0.0751% | 2,246 |
| Credit loss provision to net charge-offs | 177.1429% | 1,577 |
| Earnings coverage of net charge-offs (x) | 16.9655% | 2,081 |
| Efficiency ratio | 77.1721% | 1,812 |
| Assets per employee ($millions) | 4.3541% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6572% | 5,516 |
| Loan loss allowance to noncurrent loans | 36.3574% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 1.3741% | 1,359 |
| Noncurrent loans to loans | 1.8077% | 1,142 |
| Net loans and leases to total assets | 66.9052% | 2,971 |
| Net loans and leases to deposits | 84.7395% | 2,398 |
| Net loans and leases to core deposits | 89.2044% | 2,651 |
| Total domestic deposits to total assets | 78.9540% | 4,733 |
| Equity capital to assets | 15.1531% | 702 |
| Core capital (leverage) ratio | 14.7697% | 674 |
| Tier 1 risk-based capital ratio | 23.2512% | 974 |
| Total risk-based capital ratio | 23.9567% | 1,030 |
| Memoranda: | ||
| Average total assets | $476,927,000 | 1,438 |
| Average earning assets | $442,238,250 | 1,444 |
| Average equity | $71,468,250 | 1,106 |
| Average total loans | $310,671,500 | 1,482 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9604% | 3,380 |
| Cost of funding earning assets | 0.5545% | 1,665 |
| Net interest margin | 3.4060% | 3,869 |
| Noninterest income to average assets | 0.4460% | 3,554 |
| Noninterest expense to average assets | 2.8153% | 2,980 |
| Loan and lease loss provision to assets | 0.0777% | 2,590 |
| Net operating income to assets | 0.5590% | 4,447 |
| Return on assets (ROA) | 1.1246% | 1,980 |
| Pretax return on assets | 1.4265% | 1,921 |
| Return on Equity (ROE) | 7.5331% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.5331% | 1,364 |
| Net charge-offs to loans | 0.0717% | 2,158 |
| Credit loss provision to net charge-offs | 168.1818% | 1,469 |
| Earnings coverage of net charge-offs (x) | 17.0636% | 1,894 |
| Efficiency ratio | 78.1261% | 1,770 |
| Assets per employee ($millions) | 4.4062% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6493% | 5,616 |
| Loan loss allowance to noncurrent loans | 46.6591% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 1.0788% | 1,966 |
| Noncurrent loans to loans | 1.3915% | 1,607 |
| Net loans and leases to total assets | 65.6341% | 3,131 |
| Net loans and leases to deposits | 82.9448% | 2,595 |
| Net loans and leases to core deposits | 87.1924% | 2,797 |
| Total domestic deposits to total assets | 79.1299% | 4,749 |
| Equity capital to assets | 15.0599% | 718 |
| Core capital (leverage) ratio | 14.6412% | 683 |
| Tier 1 risk-based capital ratio | 23.5761% | 953 |
| Total risk-based capital ratio | 24.2792% | 993 |
| Memoranda: | ||
| Average total assets | $476,254,000 | 1,441 |
| Average earning assets | $441,517,330 | 1,449 |
| Average equity | $71,099,330 | 1,113 |
| Average total loans | $306,708,670 | 1,497 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9846% | 3,273 |
| Cost of funding earning assets | 0.5642% | 1,591 |
| Net interest margin | 3.4205% | 3,801 |
| Noninterest income to average assets | 0.4335% | 3,590 |
| Noninterest expense to average assets | 2.7876% | 3,121 |
| Loan and lease loss provision to assets | 0.1096% | 1,896 |
| Net operating income to assets | 0.5600% | 4,367 |
| Return on assets (ROA) | 1.6734% | 646 |
| Pretax return on assets | 2.1162% | 448 |
| Return on Equity (ROE) | 11.2592% | 1,512 |
| Retained earnings to average equity (ytd only) | 11.2592% | 609 |
| Net charge-offs to loans | 0.0836% | 1,660 |
| Credit loss provision to net charge-offs | 206.3492% | 1,055 |
| Earnings coverage of net charge-offs (x) | 15.3651% | 1,663 |
| Efficiency ratio | 77.3461% | 1,988 |
| Assets per employee ($millions) | 4.2765% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6756% | 5,636 |
| Loan loss allowance to noncurrent loans | 41.7838% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 1.1837% | 1,856 |
| Noncurrent loans to loans | 1.6168% | 1,424 |
| Net loans and leases to total assets | 63.5571% | 3,308 |
| Net loans and leases to deposits | 80.3301% | 2,748 |
| Net loans and leases to core deposits | 84.6624% | 2,879 |
| Total domestic deposits to total assets | 79.1200% | 4,940 |
| Equity capital to assets | 15.0383% | 686 |
| Core capital (leverage) ratio | 14.5919% | 681 |
| Tier 1 risk-based capital ratio | 24.3898% | 879 |
| Total risk-based capital ratio | 25.1188% | 918 |
| Memoranda: | ||
| Average total assets | $474,243,000 | 1,447 |
| Average earning assets | $439,590,000 | 1,452 |
| Average equity | $70,484,500 | 1,117 |
| Average total loans | $301,420,500 | 1,514 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9606% | 3,467 |
| Cost of funding earning assets | 0.6483% | 1,085 |
| Net interest margin | 3.3123% | 4,245 |
| Noninterest income to average assets | 0.4455% | 3,704 |
| Noninterest expense to average assets | 2.6772% | 3,661 |
| Loan and lease loss provision to assets | 0.0834% | 2,623 |
| Net operating income to assets | 0.6183% | 4,188 |
| Return on assets (ROA) | 0.7196% | 3,819 |
| Pretax return on assets | 0.8881% | 3,891 |
| Return on Equity (ROE) | 5.0550% | 4,480 |
| Retained earnings to average equity (ytd only) | 5.0550% | 2,376 |
| Net charge-offs to loans | 0.1143% | 2,231 |
| Credit loss provision to net charge-offs | 119.0476% | 2,161 |
| Earnings coverage of net charge-offs (x) | 12.0833% | 2,503 |
| Efficiency ratio | 75.9792% | 2,272 |
| Assets per employee ($millions) | 4.3468% | 3,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6637% | 5,700 |
| Loan loss allowance to noncurrent loans | 42.2071% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 1.1429% | 1,913 |
| Noncurrent loans to loans | 1.5724% | 1,464 |
| Net loans and leases to total assets | 62.7073% | 3,462 |
| Net loans and leases to deposits | 79.3417% | 2,904 |
| Net loans and leases to core deposits | 84.3246% | 2,942 |
| Total domestic deposits to total assets | 79.0345% | 4,974 |
| Equity capital to assets | 14.6864% | 738 |
| Core capital (leverage) ratio | 14.3064% | 755 |
| Tier 1 risk-based capital ratio | 24.2062% | 901 |
| Total risk-based capital ratio | 24.9278% | 935 |
| Memoranda: | ||
| Average total assets | $479,687,400 | 1,410 |
| Average earning assets | $445,768,600 | 1,393 |
| Average equity | $68,289,400 | 1,115 |
| Average total loans | $293,977,400 | 1,486 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9578% | 3,510 |
| Cost of funding earning assets | 0.6746% | 958 |
| Net interest margin | 3.2832% | 4,423 |
| Noninterest income to average assets | 0.4420% | 3,776 |
| Noninterest expense to average assets | 2.6718% | 3,663 |
| Loan and lease loss provision to assets | 0.0665% | 2,854 |
| Net operating income to assets | 0.6009% | 4,382 |
| Return on assets (ROA) | 0.7243% | 3,898 |
| Pretax return on assets | 0.9131% | 3,942 |
| Return on Equity (ROE) | 5.1280% | 4,568 |
| Retained earnings to average equity (ytd only) | 5.1280% | 2,821 |
| Net charge-offs to loans | 0.0292% | 3,351 |
| Credit loss provision to net charge-offs | 375.0000% | 797 |
| Earnings coverage of net charge-offs (x) | 46.4225% | 1,115 |
| Efficiency ratio | 76.4449% | 2,168 |
| Assets per employee ($millions) | 4.2990% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7066% | 5,716 |
| Loan loss allowance to noncurrent loans | 37.9342% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 1.2417% | 1,892 |
| Noncurrent loans to loans | 1.8627% | 1,252 |
| Net loans and leases to total assets | 62.3123% | 3,562 |
| Net loans and leases to deposits | 78.5373% | 3,045 |
| Net loans and leases to core deposits | 83.3626% | 3,117 |
| Total domestic deposits to total assets | 79.3410% | 4,899 |
| Equity capital to assets | 14.6593% | 820 |
| Core capital (leverage) ratio | 13.9366% | 880 |
| Tier 1 risk-based capital ratio | 24.3396% | 913 |
| Total risk-based capital ratio | 25.1165% | 946 |
| Memoranda: | ||
| Average total assets | $481,159,750 | 1,407 |
| Average earning assets | $447,437,250 | 1,391 |
| Average equity | $67,965,750 | 1,130 |
| Average total loans | $292,699,000 | 1,503 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9285% | 3,580 |
| Cost of funding earning assets | 0.6962% | 859 |
| Net interest margin | 3.2323% | 4,556 |
| Noninterest income to average assets | 0.4397% | 3,776 |
| Noninterest expense to average assets | 2.6736% | 3,677 |
| Loan and lease loss provision to assets | 0.0868% | 2,375 |
| Net operating income to assets | 0.5363% | 4,628 |
| Return on assets (ROA) | 0.5604% | 4,623 |
| Pretax return on assets | 0.7191% | 4,602 |
| Return on Equity (ROE) | 4.0170% | 5,012 |
| Retained earnings to average equity (ytd only) | 4.0170% | 3,456 |
| Net charge-offs to loans | 0.0041% | 3,758 |
| Credit loss provision to net charge-offs | 3,500.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 312.5000% | 220 |
| Efficiency ratio | 77.5288% | 2,136 |
| Assets per employee ($millions) | 4.3468% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7115% | 5,792 |
| Loan loss allowance to noncurrent loans | 36.3000% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 1.2435% | 2,027 |
| Noncurrent loans to loans | 1.9599% | 1,264 |
| Net loans and leases to total assets | 61.4641% | 3,631 |
| Net loans and leases to deposits | 76.6923% | 3,194 |
| Net loans and leases to core deposits | 80.6968% | 3,307 |
| Total domestic deposits to total assets | 80.1438% | 4,831 |
| Equity capital to assets | 14.0356% | 971 |
| Core capital (leverage) ratio | 13.5391% | 978 |
| Tier 1 risk-based capital ratio | 23.7692% | 982 |
| Total risk-based capital ratio | 24.5532% | 1,017 |
| Memoranda: | ||
| Average total assets | $483,915,000 | 1,409 |
| Average earning assets | $450,450,670 | 1,393 |
| Average equity | $67,513,330 | 1,138 |
| Average total loans | $291,342,670 | 1,513 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9129% | 3,546 |
| Cost of funding earning assets | 0.7248% | 757 |
| Net interest margin | 3.1881% | 4,653 |
| Noninterest income to average assets | 0.4779% | 3,443 |
| Noninterest expense to average assets | 2.7304% | 3,485 |
| Loan and lease loss provision to assets | 0.0206% | 3,446 |
| Net operating income to assets | 0.4836% | 4,751 |
| Return on assets (ROA) | 0.5018% | 4,793 |
| Pretax return on assets | 0.7230% | 4,529 |
| Return on Equity (ROE) | 3.6078% | 5,137 |
| Retained earnings to average equity (ytd only) | 3.6078% | 3,835 |
| Net charge-offs to loans | 0.0083% | 3,049 |
| Credit loss provision to net charge-offs | 416.6667% | 632 |
| Earnings coverage of net charge-offs (x) | 144.8333% | 365 |
| Efficiency ratio | 79.1956% | 2,003 |
| Assets per employee ($millions) | 4.2694% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6723% | 5,952 |
| Loan loss allowance to noncurrent loans | 34.3911% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 1.2010% | 2,230 |
| Noncurrent loans to loans | 1.9548% | 1,355 |
| Net loans and leases to total assets | 59.4112% | 3,741 |
| Net loans and leases to deposits | 74.0363% | 3,305 |
| Net loans and leases to core deposits | 77.8696% | 3,394 |
| Total domestic deposits to total assets | 80.2461% | 5,000 |
| Equity capital to assets | 14.0934% | 955 |
| Core capital (leverage) ratio | 13.3984% | 1,012 |
| Tier 1 risk-based capital ratio | 24.5615% | 932 |
| Total risk-based capital ratio | 25.3104% | 973 |
| Memoranda: | ||
| Average total assets | $484,626,000 | 1,407 |
| Average earning assets | $451,431,000 | 1,390 |
| Average equity | $67,409,500 | 1,139 |
| Average total loans | $287,671,500 | 1,523 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9611% | 3,867 |
| Cost of funding earning assets | 0.7685% | 765 |
| Net interest margin | 3.1925% | 4,950 |
| Noninterest income to average assets | 0.3971% | 4,202 |
| Noninterest expense to average assets | 2.5663% | 4,337 |
| Loan and lease loss provision to assets | 0.0457% | 3,661 |
| Net operating income to assets | 0.6294% | 4,238 |
| Return on assets (ROA) | 0.6693% | 4,145 |
| Pretax return on assets | 0.8067% | 4,233 |
| Return on Equity (ROE) | 4.9967% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.9967% | 2,602 |
| Net charge-offs to loans | 0.0408% | 4,009 |
| Credit loss provision to net charge-offs | 194.7368% | 1,269 |
| Earnings coverage of net charge-offs (x) | 34.3070% | 1,213 |
| Efficiency ratio | 76.1393% | 2,487 |
| Assets per employee ($millions) | 4.5075% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6699% | 6,045 |
| Loan loss allowance to noncurrent loans | 40.4166% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 1.0587% | 2,630 |
| Noncurrent loans to loans | 1.6574% | 1,764 |
| Net loans and leases to total assets | 58.5151% | 3,992 |
| Net loans and leases to deposits | 72.5180% | 3,618 |
| Net loans and leases to core deposits | 76.1728% | 3,692 |
| Total domestic deposits to total assets | 80.6905% | 4,830 |
| Equity capital to assets | 13.7274% | 1,060 |
| Core capital (leverage) ratio | 13.1602% | 1,078 |
| Tier 1 risk-based capital ratio | 24.9456% | 843 |
| Total risk-based capital ratio | 25.7053% | 879 |
| Memoranda: | ||
| Average total assets | $486,300,400 | 1,368 |
| Average earning assets | $452,933,600 | 1,354 |
| Average equity | $65,142,400 | 1,128 |
| Average total loans | $279,702,600 | 1,517 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9760% | 3,851 |
| Cost of funding earning assets | 0.7673% | 810 |
| Net interest margin | 3.2087% | 4,936 |
| Noninterest income to average assets | 0.3870% | 4,339 |
| Noninterest expense to average assets | 2.5688% | 4,289 |
| Loan and lease loss provision to assets | 0.0192% | 4,022 |
| Net operating income to assets | 0.6374% | 4,275 |
| Return on assets (ROA) | 0.6807% | 4,128 |
| Pretax return on assets | 0.8411% | 4,216 |
| Return on Equity (ROE) | 5.1131% | 4,671 |
| Retained earnings to average equity (ytd only) | 5.1131% | 3,011 |
| Net charge-offs to loans | 0.0384% | 3,732 |
| Credit loss provision to net charge-offs | 87.5000% | 2,474 |
| Earnings coverage of net charge-offs (x) | 36.7764% | 1,199 |
| Efficiency ratio | 76.0988% | 2,477 |
| Assets per employee ($millions) | 4.4191% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6510% | 6,167 |
| Loan loss allowance to noncurrent loans | 33.1861% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 1.1987% | 2,559 |
| Noncurrent loans to loans | 1.9616% | 1,624 |
| Net loans and leases to total assets | 56.6061% | 4,253 |
| Net loans and leases to deposits | 70.2129% | 3,898 |
| Net loans and leases to core deposits | 73.7189% | 3,970 |
| Total domestic deposits to total assets | 80.6207% | 4,937 |
| Equity capital to assets | 13.7469% | 1,092 |
| Core capital (leverage) ratio | 13.2781% | 1,075 |
| Tier 1 risk-based capital ratio | 25.7276% | 816 |
| Total risk-based capital ratio | 26.4582% | 851 |
| Memoranda: | ||
| Average total assets | $486,174,000 | 1,384 |
| Average earning assets | $452,844,250 | 1,368 |
| Average equity | $64,721,500 | 1,143 |
| Average total loans | $277,934,250 | 1,546 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0199% | 3,654 |
| Cost of funding earning assets | 0.7595% | 883 |
| Net interest margin | 3.2604% | 4,736 |
| Noninterest income to average assets | 0.3789% | 4,418 |
| Noninterest expense to average assets | 2.5710% | 4,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6734% | 3,971 |
| Return on assets (ROA) | 0.7260% | 3,793 |
| Pretax return on assets | 0.9091% | 3,852 |
| Return on Equity (ROE) | 5.5138% | 4,422 |
| Retained earnings to average equity (ytd only) | 5.5138% | 2,625 |
| Net charge-offs to loans | 0.0288% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 51.2500% | 898 |
| Efficiency ratio | 75.3012% | 2,760 |
| Assets per employee ($millions) | 4.4558% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6370% | 6,258 |
| Loan loss allowance to noncurrent loans | 33.6880% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 1.1770% | 2,724 |
| Noncurrent loans to loans | 1.8909% | 1,815 |
| Net loans and leases to total assets | 56.4268% | 4,214 |
| Net loans and leases to deposits | 69.7290% | 3,855 |
| Net loans and leases to core deposits | 73.2302% | 3,928 |
| Total domestic deposits to total assets | 80.9230% | 5,008 |
| Equity capital to assets | 13.4724% | 1,169 |
| Core capital (leverage) ratio | 13.0118% | 1,150 |
| Tier 1 risk-based capital ratio | 25.1021% | 862 |
| Total risk-based capital ratio | 25.8166% | 904 |
| Memoranda: | ||
| Average total assets | $486,198,330 | 1,379 |
| Average earning assets | $452,648,670 | 1,361 |
| Average equity | $64,020,670 | 1,147 |
| Average total loans | $278,257,000 | 1,534 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0503% | 3,475 |
| Cost of funding earning assets | 0.7587% | 934 |
| Net interest margin | 3.2916% | 4,579 |
| Noninterest income to average assets | 0.3816% | 4,339 |
| Noninterest expense to average assets | 2.5864% | 4,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6807% | 3,780 |
| Return on assets (ROA) | 0.6708% | 3,923 |
| Pretax return on assets | 0.8434% | 3,926 |
| Return on Equity (ROE) | 5.1544% | 4,465 |
| Retained earnings to average equity (ytd only) | 5.1544% | 3,020 |
| Net charge-offs to loans | 0.0474% | 2,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 31.3939% | 1,019 |
| Efficiency ratio | 75.1380% | 2,940 |
| Assets per employee ($millions) | 4.4691% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6420% | 6,354 |
| Loan loss allowance to noncurrent loans | 33.7057% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 1.2026% | 2,852 |
| Noncurrent loans to loans | 1.9046% | 1,986 |
| Net loans and leases to total assets | 56.5543% | 4,074 |
| Net loans and leases to deposits | 69.5255% | 3,656 |
| Net loans and leases to core deposits | 72.9680% | 3,764 |
| Total domestic deposits to total assets | 81.3433% | 5,142 |
| Equity capital to assets | 13.1809% | 1,221 |
| Core capital (leverage) ratio | 12.8512% | 1,223 |
| Tier 1 risk-based capital ratio | 24.8804% | 903 |
| Total risk-based capital ratio | 25.6022% | 940 |
| Memoranda: | ||
| Average total assets | $484,230,500 | 1,393 |
| Average earning assets | $450,234,500 | 1,370 |
| Average equity | $63,014,500 | 1,163 |
| Average total loans | $278,215,500 | 1,542 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1485% | 3,543 |
| Cost of funding earning assets | 0.8209% | 1,089 |
| Net interest margin | 3.3276% | 4,567 |
| Noninterest income to average assets | 0.4015% | 4,433 |
| Noninterest expense to average assets | 2.4638% | 4,881 |
| Loan and lease loss provision to assets | 0.0217% | 4,694 |
| Net operating income to assets | 0.7894% | 3,347 |
| Return on assets (ROA) | 0.7942% | 3,415 |
| Pretax return on assets | 1.0161% | 3,287 |
| Return on Equity (ROE) | 6.1975% | 3,978 |
| Retained earnings to average equity (ytd only) | 6.1975% | 1,850 |
| Net charge-offs to loans | 0.0356% | 4,734 |
| Credit loss provision to net charge-offs | 107.1429% | 2,240 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 782 |
| Efficiency ratio | 70.4872% | 3,761 |
| Assets per employee ($millions) | 4.4159% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6495% | 6,418 |
| Loan loss allowance to noncurrent loans | 39.1661% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 1.0824% | 3,244 |
| Noncurrent loans to loans | 1.6582% | 2,421 |
| Net loans and leases to total assets | 57.6204% | 4,098 |
| Net loans and leases to deposits | 70.7120% | 3,693 |
| Net loans and leases to core deposits | 74.0425% | 3,835 |
| Total domestic deposits to total assets | 81.4860% | 5,043 |
| Equity capital to assets | 12.8437% | 1,350 |
| Core capital (leverage) ratio | 12.7540% | 1,234 |
| Tier 1 risk-based capital ratio | 24.3589% | 919 |
| Total risk-based capital ratio | 25.0846% | 958 |
| Memoranda: | ||
| Average total assets | $484,493,200 | 1,369 |
| Average earning assets | $450,475,200 | 1,349 |
| Average equity | $62,089,600 | 1,161 |
| Average total loans | $275,030,800 | 1,535 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 3,671 |
| Cost of funding earning assets | 0.8267% | 1,178 |
| Net interest margin | 3.2957% | 4,654 |
| Noninterest income to average assets | 0.4039% | 4,506 |
| Noninterest expense to average assets | 2.4691% | 4,810 |
| Loan and lease loss provision to assets | 0.0288% | 4,430 |
| Net operating income to assets | 0.7713% | 3,504 |
| Return on assets (ROA) | 0.7770% | 3,602 |
| Pretax return on assets | 0.9789% | 3,592 |
| Return on Equity (ROE) | 6.0662% | 4,152 |
| Retained earnings to average equity (ytd only) | 6.0662% | 2,366 |
| Net charge-offs to loans | 0.0448% | 4,266 |
| Credit loss provision to net charge-offs | 114.1304% | 2,061 |
| Earnings coverage of net charge-offs (x) | 39.5881% | 1,010 |
| Efficiency ratio | 71.1616% | 3,574 |
| Assets per employee ($millions) | 4.4055% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6600% | 6,486 |
| Loan loss allowance to noncurrent loans | 62.7674% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 0.6882% | 4,390 |
| Noncurrent loans to loans | 1.0514% | 3,698 |
| Net loans and leases to total assets | 56.4999% | 4,245 |
| Net loans and leases to deposits | 69.5281% | 3,850 |
| Net loans and leases to core deposits | 73.1318% | 3,952 |
| Total domestic deposits to total assets | 81.2620% | 5,153 |
| Equity capital to assets | 12.7585% | 1,446 |
| Core capital (leverage) ratio | 12.4811% | 1,431 |
| Tier 1 risk-based capital ratio | 24.0449% | 998 |
| Total risk-based capital ratio | 24.7695% | 1,045 |
| Memoranda: | ||
| Average total assets | $485,283,250 | 1,372 |
| Average earning assets | $451,442,750 | 1,356 |
| Average equity | $62,156,750 | 1,170 |
| Average total loans | $273,998,750 | 1,543 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1266% | 3,638 |
| Cost of funding earning assets | 0.8310% | 1,253 |
| Net interest margin | 3.2956% | 4,605 |
| Noninterest income to average assets | 0.3946% | 4,566 |
| Noninterest expense to average assets | 2.5025% | 4,717 |
| Loan and lease loss provision to assets | 0.0185% | 4,523 |
| Net operating income to assets | 0.7448% | 3,595 |
| Return on assets (ROA) | 0.7448% | 3,749 |
| Pretax return on assets | 0.9400% | 3,746 |
| Return on Equity (ROE) | 5.8073% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.8073% | 2,552 |
| Net charge-offs to loans | 0.0205% | 4,430 |
| Credit loss provision to net charge-offs | 160.7143% | 1,449 |
| Earnings coverage of net charge-offs (x) | 83.1071% | 545 |
| Efficiency ratio | 72.3042% | 3,418 |
| Assets per employee ($millions) | 4.4772% | 2,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6710% | 6,537 |
| Loan loss allowance to noncurrent loans | 61.3805% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 4,418 |
| Noncurrent loans to loans | 1.0931% | 3,744 |
| Net loans and leases to total assets | 55.3005% | 4,399 |
| Net loans and leases to deposits | 68.0507% | 4,005 |
| Net loans and leases to core deposits | 71.8140% | 4,068 |
| Total domestic deposits to total assets | 81.2636% | 5,273 |
| Equity capital to assets | 12.5007% | 1,572 |
| Core capital (leverage) ratio | 12.1819% | 1,519 |
| Tier 1 risk-based capital ratio | 23.7316% | 1,024 |
| Total risk-based capital ratio | 24.4615% | 1,083 |
| Memoranda: | ||
| Average total assets | $485,509,670 | 1,373 |
| Average earning assets | $451,756,000 | 1,351 |
| Average equity | $62,266,330 | 1,171 |
| Average total loans | $273,458,330 | 1,541 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 3,493 |
| Cost of funding earning assets | 0.8375% | 1,327 |
| Net interest margin | 3.3179% | 4,453 |
| Noninterest income to average assets | 0.4047% | 4,421 |
| Noninterest expense to average assets | 2.4623% | 4,902 |
| Loan and lease loss provision to assets | 0.0372% | 3,971 |
| Net operating income to assets | 0.7814% | 3,269 |
| Return on assets (ROA) | 0.7814% | 3,406 |
| Pretax return on assets | 0.9912% | 3,392 |
| Return on Equity (ROE) | 6.0162% | 4,041 |
| Retained earnings to average equity (ytd only) | 6.0162% | 2,671 |
| Net charge-offs to loans | 0.0248% | 3,685 |
| Credit loss provision to net charge-offs | 264.7059% | 881 |
| Earnings coverage of net charge-offs (x) | 73.2353% | 502 |
| Efficiency ratio | 70.5395% | 3,885 |
| Assets per employee ($millions) | 4.5134% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6695% | 6,631 |
| Loan loss allowance to noncurrent loans | 71.9216% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6442% | 4,763 |
| Noncurrent loans to loans | 0.9309% | 4,273 |
| Net loans and leases to total assets | 55.8211% | 4,116 |
| Net loans and leases to deposits | 70.2806% | 3,433 |
| Net loans and leases to core deposits | 74.1634% | 3,557 |
| Total domestic deposits to total assets | 79.4261% | 5,890 |
| Equity capital to assets | 12.9232% | 1,464 |
| Core capital (leverage) ratio | 12.1539% | 1,487 |
| Tier 1 risk-based capital ratio | 23.3349% | 1,104 |
| Total risk-based capital ratio | 24.0668% | 1,164 |
| Memoranda: | ||
| Average total assets | $484,255,000 | 1,385 |
| Average earning assets | $450,408,000 | 1,368 |
| Average equity | $62,896,500 | 1,177 |
| Average total loans | $274,337,500 | 1,550 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3017% | 4,182 |
| Cost of funding earning assets | 1.0381% | 1,174 |
| Net interest margin | 3.2636% | 5,382 |
| Noninterest income to average assets | 0.4032% | 4,584 |
| Noninterest expense to average assets | 2.3115% | 5,666 |
| Loan and lease loss provision to assets | 0.1341% | 3,951 |
| Net operating income to assets | 0.7795% | 3,375 |
| Return on assets (ROA) | 0.7736% | 3,651 |
| Pretax return on assets | 1.0027% | 3,543 |
| Return on Equity (ROE) | 6.2406% | 4,049 |
| Retained earnings to average equity (ytd only) | 6.2406% | 1,957 |
| Net charge-offs to loans | 0.0796% | 4,877 |
| Credit loss provision to net charge-offs | 303.7037% | 801 |
| Earnings coverage of net charge-offs (x) | 25.9259% | 1,119 |
| Efficiency ratio | 66.8835% | 4,348 |
| Assets per employee ($millions) | 4.4959% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6573% | 6,689 |
| Loan loss allowance to noncurrent loans | 74.0164% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 4,900 |
| Noncurrent loans to loans | 0.8881% | 4,400 |
| Net loans and leases to total assets | 56.7361% | 4,153 |
| Net loans and leases to deposits | 71.3377% | 3,515 |
| Net loans and leases to core deposits | 75.0364% | 3,656 |
| Total domestic deposits to total assets | 79.5317% | 5,779 |
| Equity capital to assets | 13.0542% | 1,418 |
| Core capital (leverage) ratio | 12.1443% | 1,482 |
| Tier 1 risk-based capital ratio | 23.0448% | 1,109 |
| Total risk-based capital ratio | 23.7686% | 1,157 |
| Memoranda: | ||
| Average total assets | $489,300,800 | 1,360 |
| Average earning assets | $457,682,400 | 1,334 |
| Average equity | $60,651,400 | 1,175 |
| Average total loans | $271,380,800 | 1,531 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3243% | 4,352 |
| Cost of funding earning assets | 1.0746% | 1,170 |
| Net interest margin | 3.2497% | 5,546 |
| Noninterest income to average assets | 0.4021% | 4,620 |
| Noninterest expense to average assets | 2.3374% | 5,578 |
| Loan and lease loss provision to assets | 0.0733% | 4,750 |
| Net operating income to assets | 0.7950% | 3,475 |
| Return on assets (ROA) | 0.7831% | 3,779 |
| Pretax return on assets | 1.0205% | 3,634 |
| Return on Equity (ROE) | 6.4010% | 4,117 |
| Retained earnings to average equity (ytd only) | 6.4010% | 2,430 |
| Net charge-offs to loans | 0.0675% | 4,742 |
| Credit loss provision to net charge-offs | 197.0803% | 1,408 |
| Earnings coverage of net charge-offs (x) | 29.8398% | 1,103 |
| Efficiency ratio | 67.8161% | 4,102 |
| Assets per employee ($millions) | 4.5644% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5623% | 6,903 |
| Loan loss allowance to noncurrent loans | 65.1456% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 0.6126% | 5,140 |
| Noncurrent loans to loans | 0.8632% | 4,694 |
| Net loans and leases to total assets | 53.2796% | 4,860 |
| Net loans and leases to deposits | 67.1134% | 4,322 |
| Net loans and leases to core deposits | 71.0057% | 4,375 |
| Total domestic deposits to total assets | 79.3874% | 5,782 |
| Equity capital to assets | 12.5409% | 1,867 |
| Core capital (leverage) ratio | 11.5653% | 1,940 |
| Tier 1 risk-based capital ratio | 23.3722% | 1,116 |
| Total risk-based capital ratio | 23.9912% | 1,194 |
| Memoranda: | ||
| Average total assets | $491,360,500 | 1,371 |
| Average earning assets | $460,334,750 | 1,340 |
| Average equity | $60,114,500 | 1,192 |
| Average total loans | $270,540,500 | 1,545 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 4,123 |
| Cost of funding earning assets | 1.1047% | 1,202 |
| Net interest margin | 3.3102% | 5,412 |
| Noninterest income to average assets | 0.3879% | 4,742 |
| Noninterest expense to average assets | 2.3760% | 5,544 |
| Loan and lease loss provision to assets | 0.0204% | 5,412 |
| Net operating income to assets | 0.8307% | 3,239 |
| Return on assets (ROA) | 0.8130% | 3,598 |
| Pretax return on assets | 1.0668% | 3,436 |
| Return on Equity (ROE) | 6.7020% | 3,936 |
| Retained earnings to average equity (ytd only) | 6.7020% | 2,269 |
| Net charge-offs to loans | 0.0669% | 4,495 |
| Credit loss provision to net charge-offs | 54.9451% | 3,933 |
| Earnings coverage of net charge-offs (x) | 29.8571% | 1,074 |
| Efficiency ratio | 68.1477% | 4,090 |
| Assets per employee ($millions) | 4.4989% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4949% | 7,026 |
| Loan loss allowance to noncurrent loans | 63.8688% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 0.6063% | 5,253 |
| Noncurrent loans to loans | 0.7749% | 4,959 |
| Net loans and leases to total assets | 54.2831% | 4,750 |
| Net loans and leases to deposits | 68.5503% | 4,114 |
| Net loans and leases to core deposits | 72.6216% | 4,224 |
| Total domestic deposits to total assets | 79.1873% | 5,925 |
| Equity capital to assets | 12.3586% | 1,903 |
| Core capital (leverage) ratio | 11.5095% | 1,898 |
| Tier 1 risk-based capital ratio | 23.1514% | 1,111 |
| Total risk-based capital ratio | 23.7018% | 1,191 |
| Memoranda: | ||
| Average total assets | $489,308,330 | 1,379 |
| Average earning assets | $458,043,000 | 1,349 |
| Average equity | $59,355,000 | 1,200 |
| Average total loans | $271,862,670 | 1,539 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 4,089 |
| Cost of funding earning assets | 1.1354% | 1,237 |
| Net interest margin | 3.3204% | 5,405 |
| Noninterest income to average assets | 0.3895% | 4,745 |
| Noninterest expense to average assets | 2.3987% | 5,473 |
| Loan and lease loss provision to assets | -0.0286% | 7,130 |
| Net operating income to assets | 0.8519% | 3,149 |
| Return on assets (ROA) | 0.8519% | 3,385 |
| Pretax return on assets | 1.1261% | 3,214 |
| Return on Equity (ROE) | 7.0900% | 3,731 |
| Retained earnings to average equity (ytd only) | 7.0900% | 2,385 |
| Net charge-offs to loans | 0.0073% | 4,632 |
| Credit loss provision to net charge-offs | -700.0000% | 5,848 |
| Earnings coverage of net charge-offs (x) | 268.2000% | 128 |
| Efficiency ratio | 68.6096% | 4,051 |
| Assets per employee ($millions) | 4.5960% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4877% | 7,074 |
| Loan loss allowance to noncurrent loans | 55.0249% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 5,313 |
| Noncurrent loans to loans | 0.8862% | 4,894 |
| Net loans and leases to total assets | 54.9818% | 4,557 |
| Net loans and leases to deposits | 69.2374% | 3,836 |
| Net loans and leases to core deposits | 73.5550% | 3,953 |
| Total domestic deposits to total assets | 79.4106% | 5,995 |
| Equity capital to assets | 12.0020% | 2,041 |
| Core capital (leverage) ratio | 11.2503% | 2,076 |
| Tier 1 risk-based capital ratio | 22.5964% | 1,192 |
| Total risk-based capital ratio | 23.1437% | 1,278 |
| Memoranda: | ||
| Average total assets | $488,773,000 | 1,378 |
| Average earning assets | $457,297,500 | 1,352 |
| Average equity | $58,730,500 | 1,210 |
| Average total loans | $274,035,500 | 1,536 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6277% | 4,557 |
| Cost of funding earning assets | 1.2923% | 1,519 |
| Net interest margin | 3.3354% | 5,707 |
| Noninterest income to average assets | 0.4035% | 4,585 |
| Noninterest expense to average assets | 2.2339% | 6,200 |
| Loan and lease loss provision to assets | 0.0919% | 5,445 |
| Net operating income to assets | 0.8724% | 2,725 |
| Return on assets (ROA) | 0.8859% | 2,798 |
| Pretax return on assets | 1.1954% | 2,476 |
| Return on Equity (ROE) | 8.0132% | 2,893 |
| Retained earnings to average equity (ytd only) | 8.0132% | 1,072 |
| Net charge-offs to loans | 0.0037% | 6,393 |
| Credit loss provision to net charge-offs | 4,430.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 612.0000% | 47 |
| Efficiency ratio | 63.7720% | 5,166 |
| Assets per employee ($millions) | 4.6265% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4914% | 7,112 |
| Loan loss allowance to noncurrent loans | 48.6738% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 5,377 |
| Noncurrent loans to loans | 1.0095% | 4,687 |
| Net loans and leases to total assets | 56.6113% | 4,605 |
| Net loans and leases to deposits | 71.7716% | 3,830 |
| Net loans and leases to core deposits | 76.5219% | 3,904 |
| Total domestic deposits to total assets | 78.8770% | 6,020 |
| Equity capital to assets | 12.0300% | 2,100 |
| Core capital (leverage) ratio | 11.1849% | 2,131 |
| Tier 1 risk-based capital ratio | 21.2680% | 1,366 |
| Total risk-based capital ratio | 21.8066% | 1,474 |
| Memoranda: | ||
| Average total assets | $482,245,200 | 1,382 |
| Average earning assets | $448,130,600 | 1,351 |
| Average equity | $53,312,000 | 1,274 |
| Average total loans | $271,452,400 | 1,558 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6371% | 4,718 |
| Cost of funding earning assets | 1.3172% | 1,606 |
| Net interest margin | 3.3199% | 5,809 |
| Noninterest income to average assets | 0.3953% | 4,702 |
| Noninterest expense to average assets | 2.2594% | 6,149 |
| Loan and lease loss provision to assets | 0.0873% | 5,352 |
| Net operating income to assets | 0.8584% | 2,912 |
| Return on assets (ROA) | 0.8769% | 2,979 |
| Pretax return on assets | 1.1553% | 2,805 |
| Return on Equity (ROE) | 8.1130% | 2,999 |
| Retained earnings to average equity (ytd only) | 8.1130% | 1,467 |
| Net charge-offs to loans | 0.0291% | 5,740 |
| Credit loss provision to net charge-offs | 533.8983% | 519 |
| Earnings coverage of net charge-offs (x) | 74.5468% | 458 |
| Efficiency ratio | 64.9701% | 4,900 |
| Assets per employee ($millions) | 4.5001% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4291% | 7,209 |
| Loan loss allowance to noncurrent loans | 48.9502% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 5,718 |
| Noncurrent loans to loans | 0.8767% | 5,105 |
| Net loans and leases to total assets | 56.2413% | 4,806 |
| Net loans and leases to deposits | 71.4357% | 4,077 |
| Net loans and leases to core deposits | 76.1654% | 4,178 |
| Total domestic deposits to total assets | 78.7300% | 6,039 |
| Equity capital to assets | 11.5948% | 2,592 |
| Core capital (leverage) ratio | 10.8165% | 2,557 |
| Tier 1 risk-based capital ratio | 20.7963% | 1,496 |
| Total risk-based capital ratio | 21.2677% | 1,653 |
| Memoranda: | ||
| Average total assets | $481,362,000 | 1,390 |
| Average earning assets | $446,905,500 | 1,370 |
| Average equity | $52,030,250 | 1,308 |
| Average total loans | $270,224,750 | 1,583 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6557% | 4,730 |
| Cost of funding earning assets | 1.3471% | 1,665 |
| Net interest margin | 3.3086% | 5,833 |
| Noninterest income to average assets | 0.3943% | 4,727 |
| Noninterest expense to average assets | 2.3144% | 6,082 |
| Loan and lease loss provision to assets | 0.1192% | 4,783 |
| Net operating income to assets | 0.8038% | 3,057 |
| Return on assets (ROA) | 0.8325% | 3,050 |
| Pretax return on assets | 1.0692% | 2,967 |
| Return on Equity (ROE) | 7.8983% | 2,984 |
| Retained earnings to average equity (ytd only) | 7.8983% | 1,491 |
| Net charge-offs to loans | 0.0403% | 5,285 |
| Credit loss provision to net charge-offs | 527.7778% | 583 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 615 |
| Efficiency ratio | 66.7752% | 4,727 |
| Assets per employee ($millions) | 4.4409% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4340% | 7,270 |
| Loan loss allowance to noncurrent loans | 47.1150% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 0.5815% | 5,763 |
| Noncurrent loans to loans | 0.9211% | 5,131 |
| Net loans and leases to total assets | 56.6385% | 4,880 |
| Net loans and leases to deposits | 71.0857% | 4,275 |
| Net loans and leases to core deposits | 75.7657% | 4,343 |
| Total domestic deposits to total assets | 79.6764% | 5,905 |
| Equity capital to assets | 11.0075% | 2,941 |
| Core capital (leverage) ratio | 10.6995% | 2,519 |
| Tier 1 risk-based capital ratio | 20.8804% | 1,448 |
| Total risk-based capital ratio | 21.3630% | 1,567 |
| Memoranda: | ||
| Average total assets | $478,311,670 | 1,404 |
| Average earning assets | $444,053,670 | 1,381 |
| Average equity | $50,415,670 | 1,332 |
| Average total loans | $267,946,330 | 1,610 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6245% | 4,846 |
| Cost of funding earning assets | 1.3881% | 1,675 |
| Net interest margin | 3.2364% | 5,964 |
| Noninterest income to average assets | 0.4020% | 4,685 |
| Noninterest expense to average assets | 2.4059% | 5,868 |
| Loan and lease loss provision to assets | 0.0167% | 5,724 |
| Net operating income to assets | 0.7709% | 3,165 |
| Return on assets (ROA) | 0.8081% | 3,052 |
| Pretax return on assets | 1.0300% | 3,022 |
| Return on Equity (ROE) | 7.8413% | 2,986 |
| Retained earnings to average equity (ytd only) | 7.8413% | 1,795 |
| Net charge-offs to loans | 0.0542% | 4,395 |
| Credit loss provision to net charge-offs | 55.5556% | 3,635 |
| Earnings coverage of net charge-offs (x) | 33.1389% | 780 |
| Efficiency ratio | 70.6591% | 4,124 |
| Assets per employee ($millions) | 4.4456% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3508% | 7,376 |
| Loan loss allowance to noncurrent loans | 40.7214% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 5,935 |
| Noncurrent loans to loans | 0.8615% | 5,319 |
| Net loans and leases to total assets | 55.4320% | 5,089 |
| Net loans and leases to deposits | 70.1321% | 4,327 |
| Net loans and leases to core deposits | 74.6699% | 4,465 |
| Total domestic deposits to total assets | 79.0394% | 6,179 |
| Equity capital to assets | 10.4399% | 3,247 |
| Core capital (leverage) ratio | 10.4061% | 2,697 |
| Tier 1 risk-based capital ratio | 20.3680% | 1,508 |
| Total risk-based capital ratio | 20.7481% | 1,663 |
| Memoranda: | ||
| Average total assets | $477,658,000 | 1,413 |
| Average earning assets | $443,207,500 | 1,395 |
| Average equity | $49,226,500 | 1,355 |
| Average total loans | $265,503,000 | 1,637 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 5,537 |
| Cost of funding earning assets | 1.5556% | 2,329 |
| Net interest margin | 3.2136% | 6,240 |
| Noninterest income to average assets | 0.4626% | 4,422 |
| Noninterest expense to average assets | 2.4353% | 5,996 |
| Loan and lease loss provision to assets | 0.4697% | 3,314 |
| Net operating income to assets | 0.4624% | 4,264 |
| Return on assets (ROA) | 0.6941% | 3,382 |
| Pretax return on assets | 0.7965% | 3,650 |
| Return on Equity (ROE) | 6.4521% | 3,374 |
| Retained earnings to average equity (ytd only) | 6.4521% | 1,582 |
| Net charge-offs to loans | 0.7757% | 2,696 |
| Credit loss provision to net charge-offs | 104.9628% | 4,276 |
| Earnings coverage of net charge-offs (x) | 2.2342% | 4,047 |
| Efficiency ratio | 70.8929% | 4,005 |
| Assets per employee ($millions) | 4.4411% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3607% | 7,450 |
| Loan loss allowance to noncurrent loans | 40.6664% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 5,915 |
| Noncurrent loans to loans | 0.8870% | 5,284 |
| Net loans and leases to total assets | 55.3407% | 5,437 |
| Net loans and leases to deposits | 69.2302% | 4,921 |
| Net loans and leases to core deposits | 73.7293% | 5,014 |
| Total domestic deposits to total assets | 79.9373% | 5,855 |
| Equity capital to assets | 10.1703% | 3,531 |
| Core capital (leverage) ratio | 10.2810% | 2,785 |
| Tier 1 risk-based capital ratio | 20.0495% | 1,479 |
| Total risk-based capital ratio | 20.4377% | 1,646 |
| Memoranda: | ||
| Average total assets | $450,245,200 | 1,477 |
| Average earning assets | $416,482,400 | 1,454 |
| Average equity | $48,433,800 | 1,382 |
| Average total loans | $259,752,400 | 1,705 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8211% | 5,573 |
| Cost of funding earning assets | 1.5791% | 2,516 |
| Net interest margin | 3.2420% | 6,199 |
| Noninterest income to average assets | 0.4681% | 4,429 |
| Noninterest expense to average assets | 2.4783% | 5,794 |
| Loan and lease loss provision to assets | 0.5931% | 2,569 |
| Net operating income to assets | 0.3694% | 4,889 |
| Return on assets (ROA) | 0.6645% | 3,740 |
| Pretax return on assets | 0.7111% | 4,192 |
| Return on Equity (ROE) | 6.0887% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.0887% | 2,309 |
| Net charge-offs to loans | 1.0328% | 1,955 |
| Credit loss provision to net charge-offs | 98.5529% | 4,424 |
| Earnings coverage of net charge-offs (x) | 1.6397% | 4,478 |
| Efficiency ratio | 71.5227% | 3,792 |
| Assets per employee ($millions) | 4.4137% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3195% | 7,584 |
| Loan loss allowance to noncurrent loans | 35.1409% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 0.5766% | 5,993 |
| Noncurrent loans to loans | 0.9091% | 5,429 |
| Net loans and leases to total assets | 54.3745% | 5,790 |
| Net loans and leases to deposits | 70.0256% | 5,141 |
| Net loans and leases to core deposits | 73.9939% | 5,293 |
| Total domestic deposits to total assets | 77.6495% | 6,331 |
| Equity capital to assets | 10.7047% | 3,285 |
| Core capital (leverage) ratio | 10.2339% | 3,000 |
| Tier 1 risk-based capital ratio | 19.9038% | 1,571 |
| Total risk-based capital ratio | 20.2438% | 1,709 |
| Memoranda: | ||
| Average total assets | $444,007,500 | 1,521 |
| Average earning assets | $410,434,500 | 1,504 |
| Average equity | $48,460,000 | 1,390 |
| Average total loans | $258,708,250 | 1,734 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9391% | 5,231 |
| Cost of funding earning assets | 1.6028% | 2,635 |
| Net interest margin | 3.3363% | 5,883 |
| Noninterest income to average assets | 0.4690% | 4,367 |
| Noninterest expense to average assets | 2.5537% | 5,514 |
| Loan and lease loss provision to assets | 0.1151% | 5,753 |
| Net operating income to assets | 0.6494% | 3,629 |
| Return on assets (ROA) | 0.6494% | 3,784 |
| Pretax return on assets | 0.8808% | 3,574 |
| Return on Equity (ROE) | 5.9085% | 3,843 |
| Retained earnings to average equity (ytd only) | 5.9085% | 2,383 |
| Net charge-offs to loans | 0.2123% | 4,338 |
| Credit loss provision to net charge-offs | 90.9091% | 4,391 |
| Earnings coverage of net charge-offs (x) | 7.8691% | 2,222 |
| Efficiency ratio | 71.9435% | 3,820 |
| Assets per employee ($millions) | 4.2971% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3209% | 7,656 |
| Loan loss allowance to noncurrent loans | 32.8199% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 6,001 |
| Noncurrent loans to loans | 0.9777% | 5,353 |
| Net loans and leases to total assets | 56.6728% | 5,602 |
| Net loans and leases to deposits | 73.4655% | 4,760 |
| Net loans and leases to core deposits | 77.9593% | 4,960 |
| Total domestic deposits to total assets | 77.1421% | 6,466 |
| Equity capital to assets | 10.8734% | 2,992 |
| Core capital (leverage) ratio | 10.4184% | 2,696 |
| Tier 1 risk-based capital ratio | 20.0437% | 1,510 |
| Total risk-based capital ratio | 20.3958% | 1,652 |
| Memoranda: | ||
| Average total assets | $434,586,330 | 1,570 |
| Average earning assets | $401,288,330 | 1,544 |
| Average equity | $47,761,670 | 1,402 |
| Average total loans | $259,071,670 | 1,759 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0392% | 4,840 |
| Cost of funding earning assets | 1.6211% | 2,828 |
| Net interest margin | 3.4181% | 5,509 |
| Noninterest income to average assets | 0.4659% | 4,330 |
| Noninterest expense to average assets | 2.6237% | 5,253 |
| Loan and lease loss provision to assets | 0.0472% | 6,194 |
| Net operating income to assets | 0.6875% | 3,491 |
| Return on assets (ROA) | 0.6875% | 3,611 |
| Pretax return on assets | 0.9450% | 3,289 |
| Return on Equity (ROE) | 6.2203% | 3,767 |
| Retained earnings to average equity (ytd only) | 6.2203% | 2,515 |
| Net charge-offs to loans | -0.0247% | 7,128 |
| Credit loss provision to net charge-offs | -312.5000% | 6,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5613% | 3,830 |
| Assets per employee ($millions) | 4.1085% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3558% | 7,715 |
| Loan loss allowance to noncurrent loans | 42.5857% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 0.5860% | 6,046 |
| Noncurrent loans to loans | 0.8355% | 5,642 |
| Net loans and leases to total assets | 60.2311% | 5,084 |
| Net loans and leases to deposits | 79.4165% | 3,761 |
| Net loans and leases to core deposits | 83.9674% | 4,202 |
| Total domestic deposits to total assets | 75.8421% | 6,787 |
| Equity capital to assets | 11.0747% | 2,701 |
| Core capital (leverage) ratio | 10.8772% | 2,313 |
| Tier 1 risk-based capital ratio | 20.2552% | 1,475 |
| Total risk-based capital ratio | 20.6564% | 1,615 |
| Memoranda: | ||
| Average total assets | $424,135,500 | 1,644 |
| Average earning assets | $390,856,500 | 1,623 |
| Average equity | $46,879,000 | 1,436 |
| Average total loans | $259,123,000 | 1,809 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1474% | 5,891 |
| Cost of funding earning assets | 2.1261% | 2,341 |
| Net interest margin | 3.0213% | 6,591 |
| Noninterest income to average assets | 0.5265% | 4,205 |
| Noninterest expense to average assets | 2.4935% | 6,153 |
| Loan and lease loss provision to assets | 0.0642% | 6,929 |
| Net operating income to assets | 0.5548% | 3,507 |
| Return on assets (ROA) | 0.5548% | 3,593 |
| Pretax return on assets | 0.7558% | 3,389 |
| Return on Equity (ROE) | 4.9742% | 3,675 |
| Retained earnings to average equity (ytd only) | 4.9742% | 1,828 |
| Net charge-offs to loans | 0.0700% | 6,418 |
| Credit loss provision to net charge-offs | 149.7175% | 3,111 |
| Earnings coverage of net charge-offs (x) | 19.1299% | 1,099 |
| Efficiency ratio | 75.2540% | 3,661 |
| Assets per employee ($millions) | 4.2957% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3331% | 7,806 |
| Loan loss allowance to noncurrent loans | 51.6398% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 6,262 |
| Noncurrent loans to loans | 0.6451% | 5,949 |
| Net loans and leases to total assets | 61.5466% | 5,094 |
| Net loans and leases to deposits | 80.0890% | 3,970 |
| Net loans and leases to core deposits | 96.1260% | 4,455 |
| Total domestic deposits to total assets | 76.8477% | 6,522 |
| Equity capital to assets | 11.0306% | 2,688 |
| Core capital (leverage) ratio | 10.8518% | 2,318 |
| Tier 1 risk-based capital ratio | 19.9525% | 1,470 |
| Total risk-based capital ratio | 20.3321% | 1,601 |
| Memoranda: | ||
| Average total assets | $412,952,400 | 1,671 |
| Average earning assets | $380,929,400 | 1,652 |
| Average equity | $46,057,400 | 1,462 |
| Average total loans | $252,721,800 | 1,874 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1543% | 6,093 |
| Cost of funding earning assets | 2.2087% | 2,368 |
| Net interest margin | 2.9456% | 6,735 |
| Noninterest income to average assets | 0.5344% | 4,202 |
| Noninterest expense to average assets | 2.5628% | 5,846 |
| Loan and lease loss provision to assets | 0.0827% | 6,543 |
| Net operating income to assets | 0.4636% | 4,149 |
| Return on assets (ROA) | 0.4636% | 4,247 |
| Pretax return on assets | 0.6061% | 4,165 |
| Return on Equity (ROE) | 4.1453% | 4,326 |
| Retained earnings to average equity (ytd only) | 4.1453% | 2,967 |
| Net charge-offs to loans | 0.0691% | 5,998 |
| Credit loss provision to net charge-offs | 196.1538% | 2,291 |
| Earnings coverage of net charge-offs (x) | 16.3307% | 1,478 |
| Efficiency ratio | 78.8166% | 3,028 |
| Assets per employee ($millions) | 4.2571% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3489% | 7,873 |
| Loan loss allowance to noncurrent loans | 39.5013% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 5,935 |
| Noncurrent loans to loans | 0.8833% | 5,524 |
| Net loans and leases to total assets | 61.8184% | 5,276 |
| Net loans and leases to deposits | 81.6537% | 4,084 |
| Net loans and leases to core deposits | 97.8986% | 4,614 |
| Total domestic deposits to total assets | 75.7081% | 6,638 |
| Equity capital to assets | 11.1794% | 2,847 |
| Core capital (leverage) ratio | 10.7778% | 2,574 |
| Tier 1 risk-based capital ratio | 19.7859% | 1,598 |
| Total risk-based capital ratio | 20.1882% | 1,723 |
| Memoranda: | ||
| Average total assets | $410,945,000 | 1,696 |
| Average earning assets | $379,092,500 | 1,674 |
| Average equity | $45,962,500 | 1,487 |
| Average total loans | $250,910,750 | 1,908 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1660% | 6,205 |
| Cost of funding earning assets | 2.2499% | 2,576 |
| Net interest margin | 2.9161% | 6,762 |
| Noninterest income to average assets | 0.5293% | 4,190 |
| Noninterest expense to average assets | 2.6244% | 5,637 |
| Loan and lease loss provision to assets | 0.0783% | 6,405 |
| Net operating income to assets | 0.3952% | 4,532 |
| Return on assets (ROA) | 0.3952% | 4,640 |
| Pretax return on assets | 0.5136% | 4,573 |
| Return on Equity (ROE) | 3.5333% | 4,696 |
| Retained earnings to average equity (ytd only) | 3.5333% | 3,339 |
| Net charge-offs to loans | 0.0644% | 5,599 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 15.1250% | 1,611 |
| Efficiency ratio | 81.5970% | 2,778 |
| Assets per employee ($millions) | 4.2227% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6140% | 7,610 |
| Loan loss allowance to noncurrent loans | 100.7120% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 6,449 |
| Noncurrent loans to loans | 0.6097% | 6,042 |
| Net loans and leases to total assets | 60.8603% | 5,544 |
| Net loans and leases to deposits | 80.2891% | 4,502 |
| Net loans and leases to core deposits | 95.9513% | 4,907 |
| Total domestic deposits to total assets | 75.8014% | 6,596 |
| Equity capital to assets | 10.7548% | 3,157 |
| Core capital (leverage) ratio | 10.6382% | 2,708 |
| Tier 1 risk-based capital ratio | 19.8706% | 1,610 |
| Total risk-based capital ratio | 20.5723% | 1,671 |
| Memoranda: | ||
| Average total assets | $408,861,330 | 1,717 |
| Average earning assets | $376,730,330 | 1,717 |
| Average equity | $45,736,670 | 1,503 |
| Average total loans | $248,278,670 | 1,956 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1838% | 6,361 |
| Cost of funding earning assets | 2.2705% | 2,838 |
| Net interest margin | 2.9133% | 6,710 |
| Noninterest income to average assets | 0.4931% | 4,385 |
| Noninterest expense to average assets | 2.5050% | 5,829 |
| Loan and lease loss provision to assets | 0.1181% | 5,458 |
| Net operating income to assets | 0.4075% | 4,827 |
| Return on assets (ROA) | 0.4075% | 5,006 |
| Pretax return on assets | 0.5512% | 4,913 |
| Return on Equity (ROE) | 3.5727% | 5,141 |
| Retained earnings to average equity (ytd only) | 3.5727% | 3,905 |
| Net charge-offs to loans | 0.1237% | 3,981 |
| Credit loss provision to net charge-offs | 157.8947% | 2,673 |
| Earnings coverage of net charge-offs (x) | 8.9474% | 2,123 |
| Efficiency ratio | 78.9147% | 3,018 |
| Assets per employee ($millions) | 4.2211% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6095% | 7,644 |
| Loan loss allowance to noncurrent loans | 92.9139% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 6,093 |
| Noncurrent loans to loans | 0.6560% | 5,766 |
| Net loans and leases to total assets | 60.5778% | 5,561 |
| Net loans and leases to deposits | 81.6414% | 4,341 |
| Net loans and leases to core deposits | 97.5414% | 4,796 |
| Total domestic deposits to total assets | 74.1998% | 6,851 |
| Equity capital to assets | 11.3932% | 2,661 |
| Core capital (leverage) ratio | 11.1552% | 2,374 |
| Tier 1 risk-based capital ratio | 20.5461% | 1,516 |
| Total risk-based capital ratio | 21.2313% | 1,582 |
| Memoranda: | ||
| Average total assets | $406,379,500 | 1,734 |
| Average earning assets | $374,010,500 | 1,735 |
| Average equity | $46,352,000 | 1,496 |
| Average total loans | $245,712,500 | 1,988 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7436% | 6,624 |
| Cost of funding earning assets | 2.5990% | 3,687 |
| Net interest margin | 3.1446% | 6,536 |
| Noninterest income to average assets | 0.6415% | 3,538 |
| Noninterest expense to average assets | 2.4441% | 6,237 |
| Loan and lease loss provision to assets | 0.1037% | 6,050 |
| Net operating income to assets | 0.7911% | 3,472 |
| Return on assets (ROA) | 0.3754% | 5,062 |
| Pretax return on assets | 0.4646% | 5,085 |
| Return on Equity (ROE) | 3.2046% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.2046% | 3,154 |
| Net charge-offs to loans | 0.0613% | 5,905 |
| Credit loss provision to net charge-offs | 277.3050% | 1,648 |
| Earnings coverage of net charge-offs (x) | 28.9078% | 1,198 |
| Efficiency ratio | 69.3257% | 4,473 |
| Assets per employee ($millions) | 4.5316% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6102% | 7,659 |
| Loan loss allowance to noncurrent loans | 89.4004% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.4213% | 5,954 |
| Noncurrent loans to loans | 0.6826% | 5,333 |
| Net loans and leases to total assets | 59.6050% | 5,968 |
| Net loans and leases to deposits | 80.7852% | 4,909 |
| Net loans and leases to core deposits | 94.6959% | 5,386 |
| Total domestic deposits to total assets | 73.7821% | 6,689 |
| Equity capital to assets | 11.4192% | 2,690 |
| Core capital (leverage) ratio | 11.1995% | 2,428 |
| Tier 1 risk-based capital ratio | 21.3526% | 1,413 |
| Total risk-based capital ratio | 22.0511% | 1,465 |
| Memoranda: | ||
| Average total assets | $376,900,600 | 1,792 |
| Average earning assets | $345,669,800 | 1,791 |
| Average equity | $44,155,200 | 1,527 |
| Average total loans | $229,842,000 | 2,049 |