Home > Legacy Bank > Performance and Condition Ratios
Legacy 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 | 5.1622% | 2,803 |
| Cost of funding earning assets | 1.8299% | 2,375 |
| Net interest margin | 3.3323% | 2,704 |
| Noninterest income to average assets | 0.0900% | 4,163 |
| Noninterest expense to average assets | 2.0707% | 3,409 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8993% | 2,578 |
| Return on assets (ROA) | 0.8993% | 2,588 |
| Pretax return on assets | 1.0531% | 2,614 |
| Return on Equity (ROE) | 5.1700% | 3,506 |
| Retained earnings to average equity (ytd only) | 5.1745% | 2,524 |
| Net charge-offs to loans | 0.0235% | 1,523 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 74.1667% | 827 |
| Efficiency ratio | 66.2879% | 2,209 |
| Assets per employee ($millions) | 6.5111% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 1,240 |
| Loan loss allowance to noncurrent loans | 152.7063% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.9558% | 753 |
| Noncurrent loans to loans | 0.9300% | 1,152 |
| Net loans and leases to total assets | 59.5800% | 2,916 |
| Net loans and leases to deposits | 72.5871% | 2,693 |
| Net loans and leases to core deposits | 94.2942% | 1,754 |
| Total domestic deposits to total assets | 82.0800% | 3,295 |
| Equity capital to assets | 17.5545% | 370 |
| Core capital (leverage) ratio | 21.3964% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4732% | 230 |
| Memoranda: | ||
| Average total assets | $338,047,000 | 2,308 |
| Average earning assets | $307,777,000 | 2,338 |
| Average equity | $58,749,500 | 1,567 |
| Average total loans | $204,560,000 | 2,388 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6544% | 3,667 |
| Cost of funding earning assets | 1.8188% | 2,682 |
| Net interest margin | 2.8356% | 3,425 |
| Noninterest income to average assets | 0.1100% | 4,166 |
| Noninterest expense to average assets | 1.9952% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.6305% | 3,158 |
| Return on assets (ROA) | 0.6305% | 3,180 |
| Pretax return on assets | 0.6937% | 3,269 |
| Return on Equity (ROE) | 3.5700% | 3,770 |
| Retained earnings to average equity (ytd only) | -0.2749% | 4,009 |
| Net charge-offs to loans | -0.0032% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 74.2005% | 1,532 |
| Assets per employee ($millions) | 6.6179% | 2,433 |
| Cash dividends to net income (ytd only)* | 107.7108% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 1,219 |
| Loan loss allowance to noncurrent loans | 157.0506% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.9386% | 731 |
| Noncurrent loans to loans | 0.9086% | 1,095 |
| Net loans and leases to total assets | 59.7200% | 2,966 |
| Net loans and leases to deposits | 73.8234% | 2,661 |
| Net loans and leases to core deposits | 95.8116% | 1,721 |
| Total domestic deposits to total assets | 80.9000% | 3,431 |
| Equity capital to assets | 17.2031% | 385 |
| Core capital (leverage) ratio | 21.2336% | 215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0354% | 239 |
| Memoranda: | ||
| Average total assets | $329,086,800 | 2,318 |
| Average earning assets | $298,769,600 | 2,357 |
| Average equity | $58,204,000 | 1,531 |
| Average total loans | $187,557,600 | 2,464 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5864% | 3,713 |
| Cost of funding earning assets | 1.7722% | 2,786 |
| Net interest margin | 2.8142% | 3,428 |
| Noninterest income to average assets | 0.1100% | 4,188 |
| Noninterest expense to average assets | 2.0172% | 3,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.5974% | 3,231 |
| Return on assets (ROA) | 0.5974% | 3,261 |
| Pretax return on assets | 0.6528% | 3,376 |
| Return on Equity (ROE) | 3.3500% | 3,833 |
| Retained earnings to average equity (ytd only) | 1.1607% | 3,680 |
| Net charge-offs to loans | -0.0131% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 75.5498% | 1,434 |
| Assets per employee ($millions) | 5.6033% | 3,184 |
| Cash dividends to net income (ytd only)* | 65.3925% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4662% | 1,145 |
| Loan loss allowance to noncurrent loans | 224.6933% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.7808% | 899 |
| Noncurrent loans to loans | 0.6525% | 1,491 |
| Net loans and leases to total assets | 58.5700% | 3,053 |
| Net loans and leases to deposits | 72.6912% | 2,773 |
| Net loans and leases to core deposits | 93.3554% | 1,921 |
| Total domestic deposits to total assets | 80.5700% | 3,376 |
| Equity capital to assets | 17.3551% | 384 |
| Core capital (leverage) ratio | 21.7814% | 204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8067% | 219 |
| Memoranda: | ||
| Average total assets | $326,979,750 | 2,320 |
| Average earning assets | $296,872,750 | 2,361 |
| Average equity | $58,239,250 | 1,521 |
| Average total loans | $183,322,500 | 2,489 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5080% | 3,770 |
| Cost of funding earning assets | 1.6722% | 2,922 |
| Net interest margin | 2.8358% | 3,365 |
| Noninterest income to average assets | 0.1200% | 4,137 |
| Noninterest expense to average assets | 2.0351% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.6026% | 3,177 |
| Return on assets (ROA) | 0.6026% | 3,211 |
| Pretax return on assets | 0.6570% | 3,319 |
| Return on Equity (ROE) | 3.3500% | 3,835 |
| Retained earnings to average equity (ytd only) | 0.0619% | 3,820 |
| Net charge-offs to loans | -0.0281% | 4,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 75.5963% | 1,499 |
| Assets per employee ($millions) | 5.4258% | 3,286 |
| Cash dividends to net income (ytd only)* | 98.1557% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5541% | 947 |
| Loan loss allowance to noncurrent loans | 212.0578% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.8349% | 765 |
| Noncurrent loans to loans | 0.7329% | 1,272 |
| Net loans and leases to total assets | 57.1500% | 3,176 |
| Net loans and leases to deposits | 72.1461% | 2,830 |
| Net loans and leases to core deposits | 88.6844% | 2,228 |
| Total domestic deposits to total assets | 79.2100% | 3,560 |
| Equity capital to assets | 17.7526% | 357 |
| Core capital (leverage) ratio | 22.1235% | 193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7209% | 216 |
| Memoranda: | ||
| Average total assets | $323,908,000 | 2,322 |
| Average earning assets | $293,746,667 | 2,360 |
| Average equity | $58,203,333 | 1,505 |
| Average total loans | $177,817,333 | 2,519 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 3,920 |
| Cost of funding earning assets | 1.6076% | 2,968 |
| Net interest margin | 2.7276% | 3,511 |
| Noninterest income to average assets | 0.1100% | 4,170 |
| Noninterest expense to average assets | 2.0638% | 3,415 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4965% | 3,405 |
| Return on assets (ROA) | 0.4965% | 3,429 |
| Pretax return on assets | 0.5200% | 3,534 |
| Return on Equity (ROE) | 2.7500% | 3,896 |
| Retained earnings to average equity (ytd only) | -3.8077% | 4,063 |
| Net charge-offs to loans | -0.0557% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 79.8754% | 1,214 |
| Assets per employee ($millions) | 6.6074% | 2,372 |
| Cash dividends to net income (ytd only)* | 238.6534% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 781 |
| Loan loss allowance to noncurrent loans | 219.4320% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.8284% | 720 |
| Noncurrent loans to loans | 0.7476% | 1,196 |
| Net loans and leases to total assets | 54.3700% | 3,313 |
| Net loans and leases to deposits | 66.4015% | 3,142 |
| Net loans and leases to core deposits | 80.7448% | 2,669 |
| Total domestic deposits to total assets | 81.8800% | 3,198 |
| Equity capital to assets | 17.7794% | 358 |
| Core capital (leverage) ratio | 22.0334% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0003% | 206 |
| Memoranda: | ||
| Average total assets | $323,088,500 | 2,331 |
| Average earning assets | $292,861,500 | 2,375 |
| Average equity | $58,408,500 | 1,489 |
| Average total loans | $172,232,000 | 2,556 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1928% | 3,639 |
| Cost of funding earning assets | 1.1967% | 2,810 |
| Net interest margin | 2.9960% | 3,292 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 2.0050% | 3,613 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7406% | 3,078 |
| Return on assets (ROA) | 0.7406% | 3,057 |
| Pretax return on assets | 0.8323% | 3,134 |
| Return on Equity (ROE) | 4.2100% | 3,855 |
| Retained earnings to average equity (ytd only) | 0.7342% | 3,890 |
| Net charge-offs to loans | 0.0214% | 1,911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 81.1515% | 1,015 |
| Efficiency ratio | 70.6649% | 1,799 |
| Assets per employee ($millions) | 5.8621% | 2,937 |
| Cash dividends to net income (ytd only)* | 82.5430% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7596% | 577 |
| Loan loss allowance to noncurrent loans | 248.2523% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.9296% | 538 |
| Noncurrent loans to loans | 0.7088% | 1,099 |
| Net loans and leases to total assets | 50.4300% | 3,574 |
| Net loans and leases to deposits | 61.9613% | 3,408 |
| Net loans and leases to core deposits | 74.9933% | 3,030 |
| Total domestic deposits to total assets | 81.3800% | 3,241 |
| Equity capital to assets | 18.3782% | 329 |
| Core capital (leverage) ratio | 22.5075% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8394% | 181 |
| Memoranda: | ||
| Average total assets | $321,745,400 | 2,307 |
| Average earning assets | $288,449,000 | 2,361 |
| Average equity | $56,659,600 | 1,455 |
| Average total loans | $154,488,800 | 2,640 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1302% | 3,602 |
| Cost of funding earning assets | 1.1035% | 2,730 |
| Net interest margin | 3.0267% | 3,287 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.0059% | 3,581 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7824% | 3,079 |
| Return on assets (ROA) | 0.7824% | 3,068 |
| Pretax return on assets | 0.8914% | 3,121 |
| Return on Equity (ROE) | 4.4900% | 3,902 |
| Retained earnings to average equity (ytd only) | 4.4919% | 3,111 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.2330% | 1,875 |
| Assets per employee ($millions) | 5.3461% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8476% | 523 |
| Loan loss allowance to noncurrent loans | 243.3884% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.9847% | 535 |
| Noncurrent loans to loans | 0.7591% | 1,094 |
| Net loans and leases to total assets | 49.6000% | 3,643 |
| Net loans and leases to deposits | 60.1345% | 3,498 |
| Net loans and leases to core deposits | 72.7410% | 3,066 |
| Total domestic deposits to total assets | 82.4800% | 3,127 |
| Equity capital to assets | 17.1879% | 386 |
| Core capital (leverage) ratio | 22.8548% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.2841% | 172 |
| Memoranda: | ||
| Average total assets | $321,578,250 | 2,311 |
| Average earning assets | $287,563,000 | 2,371 |
| Average equity | $56,011,000 | 1,451 |
| Average total loans | $151,737,750 | 2,666 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9601% | 3,766 |
| Cost of funding earning assets | 0.9638% | 2,724 |
| Net interest margin | 2.9964% | 3,440 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 1.9609% | 3,686 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7403% | 3,241 |
| Return on assets (ROA) | 0.7403% | 3,257 |
| Pretax return on assets | 0.8429% | 3,296 |
| Return on Equity (ROE) | 4.2300% | 4,001 |
| Retained earnings to average equity (ytd only) | 4.2325% | 3,151 |
| Net charge-offs to loans | -0.0040% | 3,662 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.9361% | 1,765 |
| Assets per employee ($millions) | 6.3159% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9400% | 464 |
| Loan loss allowance to noncurrent loans | 169.6203% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 1.0194% | 452 |
| Noncurrent loans to loans | 1.1437% | 618 |
| Net loans and leases to total assets | 45.3700% | 3,828 |
| Net loans and leases to deposits | 55.1780% | 3,686 |
| Net loans and leases to core deposits | 63.8925% | 3,456 |
| Total domestic deposits to total assets | 82.2300% | 3,184 |
| Equity capital to assets | 17.5847% | 358 |
| Core capital (leverage) ratio | 22.3647% | 198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.6690% | 154 |
| Memoranda: | ||
| Average total assets | $323,631,333 | 2,306 |
| Average earning assets | $289,282,667 | 2,375 |
| Average equity | $56,610,000 | 1,443 |
| Average total loans | $149,186,333 | 2,680 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 3,786 |
| Cost of funding earning assets | 0.8382% | 2,575 |
| Net interest margin | 2.9993% | 3,601 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.9263% | 3,802 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7919% | 3,218 |
| Return on assets (ROA) | 0.7919% | 3,169 |
| Pretax return on assets | 0.9053% | 3,223 |
| Return on Equity (ROE) | 4.5400% | 3,951 |
| Retained earnings to average equity (ytd only) | 4.5397% | 3,125 |
| Net charge-offs to loans | -0.0379% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.0299% | 1,970 |
| Assets per employee ($millions) | 5.8618% | 2,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0060% | 432 |
| Loan loss allowance to noncurrent loans | 133.9520% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 1.1880% | 308 |
| Noncurrent loans to loans | 1.4976% | 432 |
| Net loans and leases to total assets | 44.8400% | 3,829 |
| Net loans and leases to deposits | 54.8075% | 3,637 |
| Net loans and leases to core deposits | 61.8944% | 3,450 |
| Total domestic deposits to total assets | 81.8000% | 3,511 |
| Equity capital to assets | 17.8286% | 310 |
| Core capital (leverage) ratio | 22.3015% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.6086% | 153 |
| Memoranda: | ||
| Average total assets | $321,233,000 | 2,355 |
| Average earning assets | $288,730,000 | 2,404 |
| Average equity | $56,038,500 | 1,466 |
| Average total loans | $147,799,500 | 2,723 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6643% | 2,626 |
| Cost of funding earning assets | 0.3427% | 2,540 |
| Net interest margin | 3.3216% | 2,507 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 1.7728% | 4,059 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0911% | 2,217 |
| Return on assets (ROA) | 1.0911% | 2,157 |
| Pretax return on assets | 1.3161% | 2,031 |
| Return on Equity (ROE) | 5.9400% | 3,839 |
| Retained earnings to average equity (ytd only) | 1.6035% | 4,074 |
| Net charge-offs to loans | 0.0306% | 1,457 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 93.2174% | 1,006 |
| Efficiency ratio | 57.3927% | 3,418 |
| Assets per employee ($millions) | 5.8194% | 2,931 |
| Cash dividends to net income (ytd only)* | 73.0239% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9886% | 439 |
| Loan loss allowance to noncurrent loans | 105.5934% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.3816% | 247 |
| Noncurrent loans to loans | 1.8833% | 307 |
| Net loans and leases to total assets | 45.3500% | 3,830 |
| Net loans and leases to deposits | 54.8382% | 3,637 |
| Net loans and leases to core deposits | 61.0127% | 3,448 |
| Total domestic deposits to total assets | 82.7000% | 3,489 |
| Equity capital to assets | 17.0582% | 331 |
| Core capital (leverage) ratio | 22.0984% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.1282% | 158 |
| Memoranda: | ||
| Average total assets | $325,805,200 | 2,317 |
| Average earning assets | $292,663,600 | 2,372 |
| Average equity | $59,808,200 | 1,406 |
| Average total loans | $150,384,800 | 2,632 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8383% | 1,643 |
| Cost of funding earning assets | 0.2882% | 2,298 |
| Net interest margin | 3.5501% | 1,523 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.7104% | 4,133 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3425% | 1,227 |
| Return on assets (ROA) | 1.3425% | 1,208 |
| Pretax return on assets | 1.5862% | 1,150 |
| Return on Equity (ROE) | 7.1900% | 3,552 |
| Retained earnings to average equity (ytd only) | 7.1890% | 2,301 |
| Net charge-offs to loans | 0.0804% | 739 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 42.7802% | 1,360 |
| Efficiency ratio | 51.8848% | 4,022 |
| Assets per employee ($millions) | 6.2907% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9164% | 579 |
| Loan loss allowance to noncurrent loans | 209.5376% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.9003% | 531 |
| Noncurrent loans to loans | 0.9146% | 855 |
| Net loans and leases to total assets | 45.3700% | 3,801 |
| Net loans and leases to deposits | 54.6452% | 3,569 |
| Net loans and leases to core deposits | 60.7743% | 3,328 |
| Total domestic deposits to total assets | 83.0300% | 3,685 |
| Equity capital to assets | 16.7124% | 338 |
| Core capital (leverage) ratio | 22.3182% | 190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.6004% | 156 |
| Memoranda: | ||
| Average total assets | $327,239,250 | 2,330 |
| Average earning assets | $294,253,000 | 2,384 |
| Average equity | $61,110,750 | 1,404 |
| Average total loans | $150,957,750 | 2,632 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3315% | 2,639 |
| Cost of funding earning assets | 0.2742% | 1,966 |
| Net interest margin | 3.0573% | 2,695 |
| Noninterest income to average assets | 0.1167% | 4,413 |
| Noninterest expense to average assets | 1.7355% | 4,084 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9839% | 2,213 |
| Return on assets (ROA) | 0.9839% | 2,187 |
| Pretax return on assets | 1.1336% | 2,292 |
| Return on Equity (ROE) | 5.0903% | 3,795 |
| Retained earnings to average equity (ytd only) | 5.0903% | 2,677 |
| Net charge-offs to loans | 0.1074% | 561 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 22.9012% | 1,497 |
| Efficiency ratio | 60.4899% | 3,237 |
| Assets per employee ($millions) | 5.9955% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 683 |
| Loan loss allowance to noncurrent loans | 113.3619% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.9421% | 520 |
| Noncurrent loans to loans | 1.6644% | 425 |
| Net loans and leases to total assets | 46.7381% | 3,661 |
| Net loans and leases to deposits | 56.8888% | 3,310 |
| Net loans and leases to core deposits | 63.3267% | 3,014 |
| Total domestic deposits to total assets | 82.1570% | 3,984 |
| Equity capital to assets | 17.6972% | 240 |
| Core capital (leverage) ratio | 22.0037% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.4529% | 127 |
| Memoranda: | ||
| Average total assets | $327,280,333 | 2,341 |
| Average earning assets | $294,638,667 | 2,411 |
| Average equity | $63,258,000 | 1,388 |
| Average total loans | $150,836,000 | 2,634 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0667% | 3,062 |
| Cost of funding earning assets | 0.2796% | 1,825 |
| Net interest margin | 2.7871% | 3,180 |
| Noninterest income to average assets | 0.1167% | 4,423 |
| Noninterest expense to average assets | 1.6606% | 4,192 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8558% | 2,466 |
| Return on assets (ROA) | 0.8558% | 2,456 |
| Pretax return on assets | 0.9762% | 2,515 |
| Return on Equity (ROE) | 4.2513% | 3,811 |
| Retained earnings to average equity (ytd only) | 4.2513% | 2,853 |
| Net charge-offs to loans | 0.0027% | 1,697 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 803.0000% | 116 |
| Efficiency ratio | 62.9783% | 3,149 |
| Assets per employee ($millions) | 6.0229% | 2,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0008% | 611 |
| Loan loss allowance to noncurrent loans | 118.4158% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 1.7215% | 192 |
| Noncurrent loans to loans | 1.6896% | 462 |
| Net loans and leases to total assets | 45.0286% | 3,652 |
| Net loans and leases to deposits | 55.9324% | 3,272 |
| Net loans and leases to core deposits | 62.2985% | 2,948 |
| Total domestic deposits to total assets | 80.5054% | 4,251 |
| Equity capital to assets | 19.2007% | 190 |
| Core capital (leverage) ratio | 21.3061% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.4374% | 127 |
| Memoranda: | ||
| Average total assets | $329,042,000 | 2,347 |
| Average earning assets | $297,517,500 | 2,403 |
| Average equity | $66,239,000 | 1,385 |
| Average total loans | $149,140,000 | 2,637 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0913% | 3,699 |
| Cost of funding earning assets | 0.3228% | 2,174 |
| Net interest margin | 2.7685% | 3,732 |
| Noninterest income to average assets | 0.0621% | 4,701 |
| Noninterest expense to average assets | 1.6167% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8338% | 3,224 |
| Return on assets (ROA) | 0.8338% | 3,300 |
| Pretax return on assets | 0.9577% | 3,365 |
| Return on Equity (ROE) | 3.8976% | 4,238 |
| Retained earnings to average equity (ytd only) | 1.4593% | 4,132 |
| Net charge-offs to loans | -0.0617% | 4,421 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8000% | 2,748 |
| Assets per employee ($millions) | 5.8394% | 2,912 |
| Cash dividends to net income (ytd only)* | 62.5587% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0095% | 597 |
| Loan loss allowance to noncurrent loans | 160.3753% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.4839% | 284 |
| Noncurrent loans to loans | 1.2530% | 767 |
| Net loans and leases to total assets | 43.8188% | 3,849 |
| Net loans and leases to deposits | 55.6247% | 3,452 |
| Net loans and leases to core deposits | 62.0515% | 3,157 |
| Total domestic deposits to total assets | 78.7758% | 4,335 |
| Equity capital to assets | 21.0398% | 153 |
| Core capital (leverage) ratio | 21.0453% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.5756% | 142 |
| Memoranda: | ||
| Average total assets | $331,849,200 | 2,286 |
| Average earning assets | $301,134,200 | 2,328 |
| Average equity | $70,991,600 | 1,337 |
| Average total loans | $147,407,200 | 2,652 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0582% | 3,892 |
| Cost of funding earning assets | 0.3291% | 2,310 |
| Net interest margin | 2.7291% | 3,913 |
| Noninterest income to average assets | 0.0470% | 4,808 |
| Noninterest expense to average assets | 1.6156% | 4,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7937% | 3,535 |
| Return on assets (ROA) | 0.7937% | 3,606 |
| Pretax return on assets | 0.9087% | 3,674 |
| Return on Equity (ROE) | 3.6949% | 4,351 |
| Retained earnings to average equity (ytd only) | 3.6949% | 3,680 |
| Net charge-offs to loans | -0.0861% | 4,559 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0013% | 2,384 |
| Assets per employee ($millions) | 5.7741% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9403% | 712 |
| Loan loss allowance to noncurrent loans | 130.6719% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.8558% | 220 |
| Noncurrent loans to loans | 1.4849% | 711 |
| Net loans and leases to total assets | 45.1961% | 3,857 |
| Net loans and leases to deposits | 57.6936% | 3,433 |
| Net loans and leases to core deposits | 64.3432% | 3,103 |
| Total domestic deposits to total assets | 78.3382% | 4,390 |
| Equity capital to assets | 21.4214% | 145 |
| Core capital (leverage) ratio | 21.1223% | 149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.8304% | 147 |
| Memoranda: | ||
| Average total assets | $331,600,000 | 2,307 |
| Average earning assets | $300,995,500 | 2,353 |
| Average equity | $71,232,000 | 1,351 |
| Average total loans | $147,049,000 | 2,699 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9973% | 4,052 |
| Cost of funding earning assets | 0.3360% | 2,437 |
| Net interest margin | 2.6613% | 4,055 |
| Noninterest income to average assets | 0.2082% | 4,159 |
| Noninterest expense to average assets | 1.6569% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8411% | 3,392 |
| Return on assets (ROA) | 0.8411% | 3,466 |
| Pretax return on assets | 0.9719% | 3,495 |
| Return on Equity (ROE) | 3.9120% | 4,345 |
| Retained earnings to average equity (ytd only) | 3.9120% | 3,546 |
| Net charge-offs to loans | -0.1314% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0295% | 2,567 |
| Assets per employee ($millions) | 5.8574% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0346% | 570 |
| Loan loss allowance to noncurrent loans | 142.2127% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.8806% | 236 |
| Noncurrent loans to loans | 1.4307% | 813 |
| Net loans and leases to total assets | 42.4474% | 4,150 |
| Net loans and leases to deposits | 53.8494% | 3,863 |
| Net loans and leases to core deposits | 59.5959% | 3,651 |
| Total domestic deposits to total assets | 78.8261% | 4,359 |
| Equity capital to assets | 20.9953% | 156 |
| Core capital (leverage) ratio | 21.1753% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.3358% | 145 |
| Memoranda: | ||
| Average total assets | $330,500,667 | 2,304 |
| Average earning assets | $300,601,667 | 2,345 |
| Average equity | $71,062,667 | 1,340 |
| Average total loans | $144,613,333 | 2,737 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9327% | 4,209 |
| Cost of funding earning assets | 0.3570% | 2,471 |
| Net interest margin | 2.5757% | 4,194 |
| Noninterest income to average assets | 0.2934% | 3,648 |
| Noninterest expense to average assets | 1.6926% | 4,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8150% | 3,373 |
| Return on assets (ROA) | 0.8150% | 3,445 |
| Pretax return on assets | 0.9476% | 3,498 |
| Return on Equity (ROE) | 3.7445% | 4,333 |
| Retained earnings to average equity (ytd only) | 3.7445% | 3,577 |
| Net charge-offs to loans | -0.2651% | 4,833 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1097% | 2,449 |
| Assets per employee ($millions) | 5.6584% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1257% | 476 |
| Loan loss allowance to noncurrent loans | 129.9913% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 2.0071% | 251 |
| Noncurrent loans to loans | 1.6353% | 740 |
| Net loans and leases to total assets | 42.0187% | 4,237 |
| Net loans and leases to deposits | 53.5996% | 3,968 |
| Net loans and leases to core deposits | 59.3772% | 3,749 |
| Total domestic deposits to total assets | 78.3937% | 4,395 |
| Equity capital to assets | 21.3186% | 141 |
| Core capital (leverage) ratio | 21.4488% | 145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.7142% | 143 |
| Memoranda: | ||
| Average total assets | $325,886,500 | 2,312 |
| Average earning assets | $296,930,500 | 2,354 |
| Average equity | $70,930,500 | 1,335 |
| Average total loans | $143,319,500 | 2,753 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1847% | 4,470 |
| Cost of funding earning assets | 0.5217% | 2,802 |
| Net interest margin | 2.6630% | 4,430 |
| Noninterest income to average assets | 0.4972% | 2,646 |
| Noninterest expense to average assets | 1.8296% | 4,428 |
| Loan and lease loss provision to assets | -0.0286% | 4,920 |
| Net operating income to assets | 0.9914% | 2,326 |
| Return on assets (ROA) | 0.9922% | 2,465 |
| Pretax return on assets | 1.1122% | 2,645 |
| Return on Equity (ROE) | 4.3964% | 4,060 |
| Retained earnings to average equity (ytd only) | 1.9641% | 3,840 |
| Net charge-offs to loans | -0.3611% | 4,931 |
| Credit loss provision to net charge-offs | 17.3077% | 3,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8241% | 3,004 |
| Assets per employee ($millions) | 5.3931% | 2,963 |
| Cash dividends to net income (ytd only)* | 55.3246% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9898% | 604 |
| Loan loss allowance to noncurrent loans | 129.4643% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 2.0158% | 277 |
| Noncurrent loans to loans | 1.5369% | 864 |
| Net loans and leases to total assets | 44.1441% | 4,236 |
| Net loans and leases to deposits | 57.0151% | 3,944 |
| Net loans and leases to core deposits | 61.8482% | 3,835 |
| Total domestic deposits to total assets | 77.4252% | 4,372 |
| Equity capital to assets | 22.2185% | 130 |
| Core capital (leverage) ratio | 21.5246% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.0829% | 131 |
| Memoranda: | ||
| Average total assets | $315,155,000 | 2,215 |
| Average earning assets | $285,806,200 | 2,256 |
| Average equity | $71,127,000 | 1,279 |
| Average total loans | $144,002,000 | 2,713 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2782% | 4,502 |
| Cost of funding earning assets | 0.5572% | 2,885 |
| Net interest margin | 2.7210% | 4,446 |
| Noninterest income to average assets | 0.6014% | 2,171 |
| Noninterest expense to average assets | 1.8663% | 4,387 |
| Loan and lease loss provision to assets | -0.0383% | 4,978 |
| Net operating income to assets | 1.1122% | 1,942 |
| Return on assets (ROA) | 1.1133% | 2,057 |
| Pretax return on assets | 1.2373% | 2,269 |
| Return on Equity (ROE) | 4.9133% | 3,919 |
| Retained earnings to average equity (ytd only) | 4.9133% | 2,595 |
| Net charge-offs to loans | -0.0186% | 4,393 |
| Credit loss provision to net charge-offs | 450.0000% | 1,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9119% | 3,234 |
| Assets per employee ($millions) | 5.3503% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6582% | 971 |
| Loan loss allowance to noncurrent loans | 54.1394% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 3.0192% | 148 |
| Noncurrent loans to loans | 3.0628% | 298 |
| Net loans and leases to total assets | 44.3388% | 4,403 |
| Net loans and leases to deposits | 57.6762% | 4,179 |
| Net loans and leases to core deposits | 62.5632% | 4,076 |
| Total domestic deposits to total assets | 76.8754% | 4,338 |
| Equity capital to assets | 22.7620% | 129 |
| Core capital (leverage) ratio | 22.1554% | 136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.1650% | 145 |
| Memoranda: | ||
| Average total assets | $313,047,250 | 2,205 |
| Average earning assets | $283,320,250 | 2,254 |
| Average equity | $70,934,750 | 1,269 |
| Average total loans | $143,566,500 | 2,720 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3931% | 4,545 |
| Cost of funding earning assets | 0.6022% | 2,952 |
| Net interest margin | 2.7909% | 4,466 |
| Noninterest income to average assets | 0.6257% | 2,032 |
| Noninterest expense to average assets | 1.9157% | 4,387 |
| Loan and lease loss provision to assets | -0.0580% | 5,021 |
| Net operating income to assets | 1.1463% | 1,814 |
| Return on assets (ROA) | 1.1463% | 1,942 |
| Pretax return on assets | 1.2913% | 2,058 |
| Return on Equity (ROE) | 5.0667% | 3,815 |
| Retained earnings to average equity (ytd only) | 5.0667% | 2,446 |
| Net charge-offs to loans | -0.0363% | 4,594 |
| Credit loss provision to net charge-offs | 346.1538% | 1,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8349% | 3,300 |
| Assets per employee ($millions) | 5.1433% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6615% | 891 |
| Loan loss allowance to noncurrent loans | 49.6800% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 3.1842% | 139 |
| Noncurrent loans to loans | 3.3444% | 253 |
| Net loans and leases to total assets | 44.6567% | 4,423 |
| Net loans and leases to deposits | 57.9415% | 4,229 |
| Net loans and leases to core deposits | 63.4155% | 4,106 |
| Total domestic deposits to total assets | 77.0721% | 4,310 |
| Equity capital to assets | 22.6275% | 134 |
| Core capital (leverage) ratio | 22.0245% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.0197% | 145 |
| Memoranda: | ||
| Average total assets | $310,390,667 | 2,193 |
| Average earning assets | $280,627,667 | 2,246 |
| Average equity | $70,223,000 | 1,264 |
| Average total loans | $143,177,000 | 2,717 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5953% | 4,531 |
| Cost of funding earning assets | 0.6637% | 3,094 |
| Net interest margin | 2.9316% | 4,382 |
| Noninterest income to average assets | 0.1346% | 4,698 |
| Noninterest expense to average assets | 1.9938% | 4,406 |
| Loan and lease loss provision to assets | -0.1176% | 5,076 |
| Net operating income to assets | 0.7565% | 3,071 |
| Return on assets (ROA) | 0.7565% | 3,147 |
| Pretax return on assets | 0.9015% | 3,138 |
| Return on Equity (ROE) | 3.3441% | 4,131 |
| Retained earnings to average equity (ytd only) | 3.3441% | 2,942 |
| Net charge-offs to loans | 0.0253% | 1,860 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,547 |
| Earnings coverage of net charge-offs (x) | 66.6667% | 750 |
| Efficiency ratio | 71.7780% | 2,109 |
| Assets per employee ($millions) | 4.7286% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6669% | 921 |
| Loan loss allowance to noncurrent loans | 47.0063% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 3.3661% | 150 |
| Noncurrent loans to loans | 3.5462% | 259 |
| Net loans and leases to total assets | 45.5058% | 4,445 |
| Net loans and leases to deposits | 59.3519% | 4,226 |
| Net loans and leases to core deposits | 68.1872% | 3,977 |
| Total domestic deposits to total assets | 76.6711% | 4,401 |
| Equity capital to assets | 23.0003% | 150 |
| Core capital (leverage) ratio | 22.4927% | 160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,143,000 | 2,166 |
| Average earning assets | $276,025,500 | 2,220 |
| Average equity | $69,256,500 | 1,271 |
| Average total loans | $142,360,500 | 2,707 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5302% | 4,836 |
| Cost of funding earning assets | 0.6894% | 3,214 |
| Net interest margin | 2.8408% | 4,720 |
| Noninterest income to average assets | 0.1890% | 4,534 |
| Noninterest expense to average assets | 2.1997% | 4,159 |
| Loan and lease loss provision to assets | 0.0482% | 3,062 |
| Net operating income to assets | 0.4359% | 4,530 |
| Return on assets (ROA) | 0.4437% | 4,548 |
| Pretax return on assets | 0.4979% | 4,586 |
| Return on Equity (ROE) | 2.0022% | 4,799 |
| Retained earnings to average equity (ytd only) | 0.4013% | 4,574 |
| Net charge-offs to loans | 0.2726% | 763 |
| Credit loss provision to net charge-offs | 37.7892% | 3,220 |
| Earnings coverage of net charge-offs (x) | 4.2082% | 3,241 |
| Efficiency ratio | 80.3693% | 915 |
| Assets per employee ($millions) | 4.2351% | 3,593 |
| Cash dividends to net income (ytd only)* | 79.9556% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7335% | 742 |
| Loan loss allowance to noncurrent loans | 44.5527% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 3.5451% | 124 |
| Noncurrent loans to loans | 3.8910% | 186 |
| Net loans and leases to total assets | 45.9172% | 4,526 |
| Net loans and leases to deposits | 59.1939% | 4,322 |
| Net loans and leases to core deposits | 67.6993% | 4,097 |
| Total domestic deposits to total assets | 77.5709% | 4,422 |
| Equity capital to assets | 22.2412% | 177 |
| Core capital (leverage) ratio | 22.2827% | 167 |
| Tier 1 risk-based capital ratio | 36.8359% | 292 |
| Total risk-based capital ratio | 38.0867% | 289 |
| Memoranda: | ||
| Average total assets | $304,683,800 | 2,136 |
| Average earning assets | $273,269,000 | 2,189 |
| Average equity | $67,525,600 | 1,253 |
| Average total loans | $142,707,800 | 2,694 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5402% | 4,928 |
| Cost of funding earning assets | 0.6866% | 3,279 |
| Net interest margin | 2.8537% | 4,807 |
| Noninterest income to average assets | 0.1598% | 4,749 |
| Noninterest expense to average assets | 2.2782% | 4,011 |
| Loan and lease loss provision to assets | 0.1519% | 1,242 |
| Net operating income to assets | 0.2788% | 4,868 |
| Return on assets (ROA) | 0.2788% | 4,883 |
| Pretax return on assets | 0.2876% | 4,916 |
| Return on Equity (ROE) | 1.2591% | 4,988 |
| Retained earnings to average equity (ytd only) | 1.2591% | 4,499 |
| Net charge-offs to loans | 0.5809% | 277 |
| Credit loss provision to net charge-offs | 55.7878% | 2,742 |
| Earnings coverage of net charge-offs (x) | 1.6141% | 3,272 |
| Efficiency ratio | 83.8299% | 627 |
| Assets per employee ($millions) | 4.2078% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7611% | 732 |
| Loan loss allowance to noncurrent loans | 44.7978% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 3.5338% | 141 |
| Noncurrent loans to loans | 3.9313% | 177 |
| Net loans and leases to total assets | 44.8703% | 4,663 |
| Net loans and leases to deposits | 58.1129% | 4,473 |
| Net loans and leases to core deposits | 66.5488% | 4,243 |
| Total domestic deposits to total assets | 77.2123% | 4,486 |
| Equity capital to assets | 22.5022% | 171 |
| Core capital (leverage) ratio | 22.3001% | 170 |
| Tier 1 risk-based capital ratio | 38.1037% | 275 |
| Total risk-based capital ratio | 39.3548% | 274 |
| Memoranda: | ||
| Average total assets | $304,623,500 | 2,153 |
| Average earning assets | $273,047,000 | 2,205 |
| Average equity | $67,452,250 | 1,251 |
| Average total loans | $142,764,000 | 2,713 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5089% | 5,002 |
| Cost of funding earning assets | 0.6618% | 3,346 |
| Net interest margin | 2.8471% | 4,875 |
| Noninterest income to average assets | 0.1632% | 4,773 |
| Noninterest expense to average assets | 2.2747% | 4,072 |
| Loan and lease loss provision to assets | 0.2274% | 722 |
| Net operating income to assets | 0.2228% | 4,969 |
| Return on assets (ROA) | 0.2228% | 4,981 |
| Pretax return on assets | 0.2156% | 5,015 |
| Return on Equity (ROE) | 1.0117% | 5,047 |
| Retained earnings to average equity (ytd only) | 1.0117% | 4,432 |
| Net charge-offs to loans | 0.9651% | 148 |
| Credit loss provision to net charge-offs | 49.8563% | 2,478 |
| Earnings coverage of net charge-offs (x) | 0.9713% | 3,063 |
| Efficiency ratio | 83.6991% | 675 |
| Assets per employee ($millions) | 3.9534% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6858% | 849 |
| Loan loss allowance to noncurrent loans | 36.6584% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 4.1332% | 106 |
| Noncurrent loans to loans | 4.5986% | 126 |
| Net loans and leases to total assets | 45.2704% | 4,669 |
| Net loans and leases to deposits | 58.3995% | 4,499 |
| Net loans and leases to core deposits | 66.8893% | 4,268 |
| Total domestic deposits to total assets | 77.5185% | 4,483 |
| Equity capital to assets | 22.2745% | 171 |
| Core capital (leverage) ratio | 22.2064% | 167 |
| Tier 1 risk-based capital ratio | 38.0242% | 274 |
| Total risk-based capital ratio | 39.2747% | 267 |
| Memoranda: | ||
| Average total assets | $305,177,330 | 2,157 |
| Average earning assets | $273,818,330 | 2,205 |
| Average equity | $67,212,000 | 1,251 |
| Average total loans | $144,226,330 | 2,715 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5595% | 4,993 |
| Cost of funding earning assets | 0.5979% | 3,588 |
| Net interest margin | 2.9616% | 4,803 |
| Noninterest income to average assets | 0.2199% | 4,434 |
| Noninterest expense to average assets | 2.3027% | 4,011 |
| Loan and lease loss provision to assets | 0.4543% | 242 |
| Net operating income to assets | 0.1492% | 5,053 |
| Return on assets (ROA) | 0.1492% | 5,059 |
| Pretax return on assets | 0.1217% | 5,090 |
| Return on Equity (ROE) | 0.6815% | 5,102 |
| Retained earnings to average equity (ytd only) | 0.6815% | 4,388 |
| Net charge-offs to loans | 1.8625% | 62 |
| Credit loss provision to net charge-offs | 50.9545% | 1,971 |
| Earnings coverage of net charge-offs (x) | 0.6461% | 2,651 |
| Efficiency ratio | 79.9909% | 1,067 |
| Assets per employee ($millions) | 3.6751% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 945 |
| Loan loss allowance to noncurrent loans | 38.8689% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 4.0275% | 111 |
| Noncurrent loans to loans | 4.2653% | 163 |
| Net loans and leases to total assets | 46.2440% | 4,660 |
| Net loans and leases to deposits | 59.4983% | 4,441 |
| Net loans and leases to core deposits | 67.5264% | 4,204 |
| Total domestic deposits to total assets | 77.7232% | 4,559 |
| Equity capital to assets | 22.0293% | 173 |
| Core capital (leverage) ratio | 22.4193% | 164 |
| Tier 1 risk-based capital ratio | 36.7944% | 283 |
| Total risk-based capital ratio | 38.0445% | 279 |
| Memoranda: | ||
| Average total assets | $305,558,500 | 2,167 |
| Average earning assets | $274,309,500 | 2,210 |
| Average equity | $66,914,500 | 1,246 |
| Average total loans | $146,253,000 | 2,728 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4057% | 4,998 |
| Cost of funding earning assets | 0.4995% | 3,364 |
| Net interest margin | 2.9062% | 4,912 |
| Noninterest income to average assets | 0.1760% | 4,844 |
| Noninterest expense to average assets | 2.3249% | 4,067 |
| Loan and lease loss provision to assets | 0.1243% | 1,776 |
| Net operating income to assets | 0.3408% | 4,956 |
| Return on assets (ROA) | 0.3408% | 4,951 |
| Pretax return on assets | 0.3546% | 4,994 |
| Return on Equity (ROE) | 1.5996% | 5,095 |
| Retained earnings to average equity (ytd only) | 0.4583% | 4,861 |
| Net charge-offs to loans | 0.2548% | 759 |
| Credit loss provision to net charge-offs | 98.4733% | 2,589 |
| Earnings coverage of net charge-offs (x) | 3.7939% | 3,379 |
| Efficiency ratio | 82.9190% | 712 |
| Assets per employee ($millions) | 3.6010% | 4,449 |
| Cash dividends to net income (ytd only)* | 71.3478% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8193% | 658 |
| Loan loss allowance to noncurrent loans | 29.3824% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 4.4543% | 88 |
| Noncurrent loans to loans | 6.1917% | 68 |
| Net loans and leases to total assets | 47.8158% | 4,651 |
| Net loans and leases to deposits | 61.2838% | 4,412 |
| Net loans and leases to core deposits | 70.0442% | 4,114 |
| Total domestic deposits to total assets | 78.0236% | 4,490 |
| Equity capital to assets | 21.7693% | 175 |
| Core capital (leverage) ratio | 21.9546% | 167 |
| Tier 1 risk-based capital ratio | 35.8128% | 302 |
| Total risk-based capital ratio | 37.0650% | 298 |
| Memoranda: | ||
| Average total assets | $311,322,600 | 2,083 |
| Average earning assets | $281,499,200 | 2,124 |
| Average equity | $66,327,200 | 1,218 |
| Average total loans | $154,225,600 | 2,597 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3905% | 5,045 |
| Cost of funding earning assets | 0.4755% | 3,358 |
| Net interest margin | 2.9150% | 4,954 |
| Noninterest income to average assets | 0.1693% | 4,942 |
| Noninterest expense to average assets | 2.3379% | 3,999 |
| Loan and lease loss provision to assets | 0.1650% | 1,146 |
| Net operating income to assets | 0.2994% | 5,094 |
| Return on assets (ROA) | 0.2994% | 5,089 |
| Pretax return on assets | 0.3045% | 5,135 |
| Return on Equity (ROE) | 1.4128% | 5,193 |
| Retained earnings to average equity (ytd only) | 0.7607% | 4,907 |
| Net charge-offs to loans | 0.3361% | 494 |
| Credit loss provision to net charge-offs | 98.7245% | 2,312 |
| Earnings coverage of net charge-offs (x) | 2.8087% | 3,218 |
| Efficiency ratio | 83.2751% | 687 |
| Assets per employee ($millions) | 3.5489% | 4,494 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8077% | 711 |
| Loan loss allowance to noncurrent loans | 30.4319% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 4.3387% | 105 |
| Noncurrent loans to loans | 5.9401% | 84 |
| Net loans and leases to total assets | 47.7296% | 4,729 |
| Net loans and leases to deposits | 60.9785% | 4,500 |
| Net loans and leases to core deposits | 69.8132% | 4,201 |
| Total domestic deposits to total assets | 78.2728% | 4,446 |
| Equity capital to assets | 21.4535% | 181 |
| Core capital (leverage) ratio | 21.8846% | 168 |
| Tier 1 risk-based capital ratio | 35.5316% | 313 |
| Total risk-based capital ratio | 36.7836% | 311 |
| Memoranda: | ||
| Average total assets | $312,631,500 | 2,092 |
| Average earning assets | $282,939,250 | 2,130 |
| Average equity | $66,250,750 | 1,219 |
| Average total loans | $155,514,500 | 2,586 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3378% | 5,106 |
| Cost of funding earning assets | 0.4546% | 3,322 |
| Net interest margin | 2.8832% | 5,036 |
| Noninterest income to average assets | 0.1701% | 4,975 |
| Noninterest expense to average assets | 2.3636% | 3,988 |
| Loan and lease loss provision to assets | 0.2466% | 624 |
| Net operating income to assets | 0.1969% | 5,234 |
| Return on assets (ROA) | 0.1969% | 5,227 |
| Pretax return on assets | 0.1739% | 5,257 |
| Return on Equity (ROE) | 0.9328% | 5,278 |
| Retained earnings to average equity (ytd only) | 0.9328% | 4,774 |
| Net charge-offs to loans | 0.6178% | 236 |
| Credit loss provision to net charge-offs | 79.6296% | 2,261 |
| Earnings coverage of net charge-offs (x) | 1.3580% | 3,069 |
| Efficiency ratio | 84.8970% | 634 |
| Assets per employee ($millions) | 3.6131% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 941 |
| Loan loss allowance to noncurrent loans | 20.6367% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 5.5306% | 74 |
| Noncurrent loans to loans | 8.1232% | 44 |
| Net loans and leases to total assets | 49.4370% | 4,640 |
| Net loans and leases to deposits | 62.9729% | 4,357 |
| Net loans and leases to core deposits | 72.1964% | 3,996 |
| Total domestic deposits to total assets | 78.5051% | 4,508 |
| Equity capital to assets | 21.2954% | 182 |
| Core capital (leverage) ratio | 21.7028% | 171 |
| Tier 1 risk-based capital ratio | 34.3664% | 339 |
| Total risk-based capital ratio | 35.6173% | 337 |
| Memoranda: | ||
| Average total assets | $313,923,330 | 2,102 |
| Average earning assets | $284,618,670 | 2,132 |
| Average equity | $66,254,670 | 1,214 |
| Average total loans | $157,325,670 | 2,578 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2768% | 5,161 |
| Cost of funding earning assets | 0.4346% | 3,334 |
| Net interest margin | 2.8422% | 5,110 |
| Noninterest income to average assets | 0.1673% | 5,020 |
| Noninterest expense to average assets | 2.3846% | 3,986 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3436% | 5,018 |
| Return on assets (ROA) | 0.3436% | 5,023 |
| Pretax return on assets | 0.3613% | 5,085 |
| Return on Equity (ROE) | 1.6351% | 5,228 |
| Retained earnings to average equity (ytd only) | 1.6351% | 4,449 |
| Net charge-offs to loans | -0.0203% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8421% | 588 |
| Assets per employee ($millions) | 3.6559% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7484% | 867 |
| Loan loss allowance to noncurrent loans | 17.0674% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 6.0759% | 65 |
| Noncurrent loans to loans | 10.2439% | 26 |
| Net loans and leases to total assets | 49.2969% | 4,608 |
| Net loans and leases to deposits | 62.8393% | 4,281 |
| Net loans and leases to core deposits | 71.8569% | 3,974 |
| Total domestic deposits to total assets | 78.4491% | 4,659 |
| Equity capital to assets | 21.3183% | 173 |
| Core capital (leverage) ratio | 21.6833% | 162 |
| Tier 1 risk-based capital ratio | 34.2413% | 343 |
| Total risk-based capital ratio | 35.4929% | 338 |
| Memoranda: | ||
| Average total assets | $315,522,500 | 2,100 |
| Average earning assets | $286,258,000 | 2,143 |
| Average equity | $66,297,000 | 1,218 |
| Average total loans | $157,872,500 | 2,594 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1239% | 5,264 |
| Cost of funding earning assets | 0.3823% | 3,411 |
| Net interest margin | 2.7416% | 5,236 |
| Noninterest income to average assets | 0.1776% | 5,065 |
| Noninterest expense to average assets | 2.2158% | 4,497 |
| Loan and lease loss provision to assets | 0.4077% | 360 |
| Net operating income to assets | 0.0049% | 5,350 |
| Return on assets (ROA) | 0.0049% | 5,351 |
| Pretax return on assets | 0.0414% | 5,413 |
| Return on Equity (ROE) | 0.0238% | 5,354 |
| Retained earnings to average equity (ytd only) | -0.9417% | 5,177 |
| Net charge-offs to loans | 0.0974% | 2,106 |
| Credit loss provision to net charge-offs | 970.5882% | 370 |
| Earnings coverage of net charge-offs (x) | 10.6912% | 2,651 |
| Efficiency ratio | 83.1479% | 846 |
| Assets per employee ($millions) | 3.7243% | 4,394 |
| Cash dividends to net income (ytd only)* | 4,056.2500% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 948 |
| Loan loss allowance to noncurrent loans | 16.5349% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 6.0095% | 65 |
| Noncurrent loans to loans | 10.2848% | 23 |
| Net loans and leases to total assets | 49.0520% | 4,701 |
| Net loans and leases to deposits | 62.0076% | 4,448 |
| Net loans and leases to core deposits | 72.3166% | 4,028 |
| Total domestic deposits to total assets | 79.1063% | 4,525 |
| Equity capital to assets | 20.7145% | 186 |
| Core capital (leverage) ratio | 20.7778% | 178 |
| Tier 1 risk-based capital ratio | 33.1099% | 369 |
| Total risk-based capital ratio | 34.3607% | 363 |
| Memoranda: | ||
| Average total assets | $323,768,800 | 2,045 |
| Average earning assets | $293,733,000 | 2,077 |
| Average equity | $67,218,600 | 1,187 |
| Average total loans | $139,571,800 | 2,788 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0561% | 5,375 |
| Cost of funding earning assets | 0.3705% | 3,457 |
| Net interest margin | 2.6856% | 5,337 |
| Noninterest income to average assets | 0.1906% | 5,061 |
| Noninterest expense to average assets | 2.1422% | 4,648 |
| Loan and lease loss provision to assets | 0.3918% | 352 |
| Net operating income to assets | 0.1635% | 5,386 |
| Return on assets (ROA) | 0.1635% | 5,396 |
| Pretax return on assets | 0.0916% | 5,465 |
| Return on Equity (ROE) | 0.7869% | 5,454 |
| Retained earnings to average equity (ytd only) | 0.7869% | 5,038 |
| Net charge-offs to loans | 0.0644% | 2,198 |
| Credit loss provision to net charge-offs | 1,467.6923% | 258 |
| Earnings coverage of net charge-offs (x) | 18.1086% | 2,070 |
| Efficiency ratio | 81.5892% | 953 |
| Assets per employee ($millions) | 3.8714% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 1,080 |
| Loan loss allowance to noncurrent loans | 14.4295% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 6.2860% | 65 |
| Noncurrent loans to loans | 11.6060% | 18 |
| Net loans and leases to total assets | 43.7456% | 5,041 |
| Net loans and leases to deposits | 55.4190% | 4,898 |
| Net loans and leases to core deposits | 62.8606% | 4,661 |
| Total domestic deposits to total assets | 78.9361% | 4,540 |
| Equity capital to assets | 20.8477% | 195 |
| Core capital (leverage) ratio | 20.7718% | 186 |
| Tier 1 risk-based capital ratio | 35.2225% | 320 |
| Total risk-based capital ratio | 36.4725% | 316 |
| Memoranda: | ||
| Average total assets | $324,637,750 | 2,057 |
| Average earning assets | $294,357,500 | 2,085 |
| Average equity | $67,436,500 | 1,190 |
| Average total loans | $134,507,750 | 2,871 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0119% | 5,422 |
| Cost of funding earning assets | 0.3553% | 3,527 |
| Net interest margin | 2.6566% | 5,403 |
| Noninterest income to average assets | 0.2071% | 5,008 |
| Noninterest expense to average assets | 2.1359% | 4,704 |
| Loan and lease loss provision to assets | 0.1258% | 1,649 |
| Net operating income to assets | 0.3150% | 5,186 |
| Return on assets (ROA) | 0.3150% | 5,208 |
| Pretax return on assets | 0.3514% | 5,268 |
| Return on Equity (ROE) | 1.5182% | 5,409 |
| Retained earnings to average equity (ytd only) | 1.5182% | 4,638 |
| Net charge-offs to loans | 0.0717% | 1,916 |
| Credit loss provision to net charge-offs | 434.0426% | 742 |
| Earnings coverage of net charge-offs (x) | 16.4681% | 1,982 |
| Efficiency ratio | 81.7410% | 1,030 |
| Assets per employee ($millions) | 3.9223% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 2,761 |
| Loan loss allowance to noncurrent loans | 10.2528% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 6.1095% | 72 |
| Noncurrent loans to loans | 12.0850% | 17 |
| Net loans and leases to total assets | 40.9095% | 5,194 |
| Net loans and leases to deposits | 51.6260% | 5,078 |
| Net loans and leases to core deposits | 58.4739% | 4,901 |
| Total domestic deposits to total assets | 79.2421% | 4,576 |
| Equity capital to assets | 20.6135% | 200 |
| Core capital (leverage) ratio | 20.7377% | 182 |
| Tier 1 risk-based capital ratio | 34.3137% | 322 |
| Total risk-based capital ratio | 35.1642% | 328 |
| Memoranda: | ||
| Average total assets | $324,450,000 | 2,055 |
| Average earning assets | $293,839,000 | 2,097 |
| Average equity | $67,316,330 | 1,192 |
| Average total loans | $131,115,670 | 2,931 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0389% | 5,425 |
| Cost of funding earning assets | 0.3451% | 3,587 |
| Net interest margin | 2.6938% | 5,401 |
| Noninterest income to average assets | 0.2348% | 4,862 |
| Noninterest expense to average assets | 2.2041% | 4,627 |
| Loan and lease loss provision to assets | 0.1702% | 1,038 |
| Net operating income to assets | 0.2845% | 5,229 |
| Return on assets (ROA) | 0.2845% | 5,243 |
| Pretax return on assets | 0.2945% | 5,317 |
| Return on Equity (ROE) | 1.3668% | 5,444 |
| Retained earnings to average equity (ytd only) | 1.3668% | 4,551 |
| Net charge-offs to loans | 0.0747% | 1,588 |
| Credit loss provision to net charge-offs | 570.8333% | 533 |
| Earnings coverage of net charge-offs (x) | 15.5833% | 1,669 |
| Efficiency ratio | 82.5885% | 1,103 |
| Assets per employee ($millions) | 3.7472% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 2,923 |
| Loan loss allowance to noncurrent loans | 11.4654% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 4.6926% | 133 |
| Noncurrent loans to loans | 10.7540% | 26 |
| Net loans and leases to total assets | 40.0087% | 5,251 |
| Net loans and leases to deposits | 50.4042% | 5,108 |
| Net loans and leases to core deposits | 57.1959% | 4,916 |
| Total domestic deposits to total assets | 79.3757% | 4,749 |
| Equity capital to assets | 20.4172% | 202 |
| Core capital (leverage) ratio | 20.8822% | 168 |
| Tier 1 risk-based capital ratio | 36.4463% | 290 |
| Total risk-based capital ratio | 37.3299% | 291 |
| Memoranda: | ||
| Average total assets | $321,940,500 | 2,087 |
| Average earning assets | $290,894,000 | 2,131 |
| Average equity | $67,017,000 | 1,189 |
| Average total loans | $128,436,000 | 2,986 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1945% | 5,311 |
| Cost of funding earning assets | 0.3040% | 4,025 |
| Net interest margin | 2.8905% | 5,157 |
| Noninterest income to average assets | 0.0796% | 5,695 |
| Noninterest expense to average assets | 2.2148% | 4,744 |
| Loan and lease loss provision to assets | 0.9423% | 113 |
| Net operating income to assets | -0.1619% | 5,703 |
| Return on assets (ROA) | -0.1645% | 5,718 |
| Pretax return on assets | -0.4444% | 5,770 |
| Return on Equity (ROE) | -0.7705% | 5,691 |
| Retained earnings to average equity (ytd only) | -1.8206% | 5,520 |
| Net charge-offs to loans | 3.5441% | 30 |
| Credit loss provision to net charge-offs | 68.3202% | 3,153 |
| Earnings coverage of net charge-offs (x) | 0.3639% | 4,110 |
| Efficiency ratio | 81.5247% | 1,256 |
| Assets per employee ($millions) | 3.7846% | 4,332 |
| Cash dividends to net income (ytd only)* | -136.2949% | 5,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 2,854 |
| Loan loss allowance to noncurrent loans | 14.3633% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 3.7409% | 214 |
| Noncurrent loans to loans | 8.6622% | 42 |
| Net loans and leases to total assets | 38.7616% | 5,370 |
| Net loans and leases to deposits | 49.3935% | 5,234 |
| Net loans and leases to core deposits | 52.7913% | 5,185 |
| Total domestic deposits to total assets | 78.4751% | 4,897 |
| Equity capital to assets | 21.2358% | 169 |
| Core capital (leverage) ratio | 21.3810% | 154 |
| Tier 1 risk-based capital ratio | 36.4747% | 289 |
| Total risk-based capital ratio | 37.3010% | 290 |
| Memoranda: | ||
| Average total assets | $321,559,800 | 2,050 |
| Average earning assets | $293,377,600 | 2,082 |
| Average equity | $68,657,400 | 1,141 |
| Average total loans | $125,139,200 | 2,992 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2488% | 5,282 |
| Cost of funding earning assets | 0.3014% | 4,084 |
| Net interest margin | 2.9474% | 5,100 |
| Noninterest income to average assets | 0.0829% | 5,760 |
| Noninterest expense to average assets | 2.2200% | 4,719 |
| Loan and lease loss provision to assets | 0.8010% | 135 |
| Net operating income to assets | -0.0494% | 5,745 |
| Return on assets (ROA) | -0.0515% | 5,760 |
| Pretax return on assets | -0.2445% | 5,804 |
| Return on Equity (ROE) | -0.2410% | 5,752 |
| Retained earnings to average equity (ytd only) | -0.3779% | 5,423 |
| Net charge-offs to loans | 3.6772% | 27 |
| Credit loss provision to net charge-offs | 56.0912% | 2,958 |
| Earnings coverage of net charge-offs (x) | 0.3920% | 3,791 |
| Efficiency ratio | 79.8606% | 1,452 |
| Assets per employee ($millions) | 3.6499% | 4,573 |
| Cash dividends to net income (ytd only)* | -56.7983% | 5,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 3,483 |
| Loan loss allowance to noncurrent loans | 11.7219% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 4.3028% | 185 |
| Noncurrent loans to loans | 9.9015% | 38 |
| Net loans and leases to total assets | 38.0288% | 5,466 |
| Net loans and leases to deposits | 48.8523% | 5,352 |
| Net loans and leases to core deposits | 52.3426% | 5,302 |
| Total domestic deposits to total assets | 77.8445% | 4,942 |
| Equity capital to assets | 21.8459% | 169 |
| Core capital (leverage) ratio | 21.5506% | 149 |
| Tier 1 risk-based capital ratio | 40.1661% | 220 |
| Total risk-based capital ratio | 40.9944% | 225 |
| Memoranda: | ||
| Average total assets | $323,418,500 | 2,049 |
| Average earning assets | $295,935,000 | 2,069 |
| Average equity | $69,145,000 | 1,144 |
| Average total loans | $125,600,500 | 2,993 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3595% | 5,164 |
| Cost of funding earning assets | 0.2991% | 4,141 |
| Net interest margin | 3.0604% | 4,945 |
| Noninterest income to average assets | 0.1093% | 5,746 |
| Noninterest expense to average assets | 2.2241% | 4,793 |
| Loan and lease loss provision to assets | 0.3371% | 488 |
| Net operating income to assets | 0.3420% | 5,201 |
| Return on assets (ROA) | 0.3420% | 5,287 |
| Pretax return on assets | 0.3561% | 5,412 |
| Return on Equity (ROE) | 1.6051% | 5,591 |
| Retained earnings to average equity (ytd only) | 1.4005% | 4,817 |
| Net charge-offs to loans | 0.0282% | 2,922 |
| Credit loss provision to net charge-offs | 3,050.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 62.7222% | 848 |
| Efficiency ratio | 76.2366% | 2,047 |
| Assets per employee ($millions) | 3.7202% | 4,405 |
| Cash dividends to net income (ytd only)* | 12.7469% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7282% | 276 |
| Loan loss allowance to noncurrent loans | 23.2107% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 5.2091% | 138 |
| Noncurrent loans to loans | 11.7541% | 25 |
| Net loans and leases to total assets | 38.6700% | 5,485 |
| Net loans and leases to deposits | 49.6532% | 5,352 |
| Net loans and leases to core deposits | 53.4370% | 5,305 |
| Total domestic deposits to total assets | 77.8801% | 5,023 |
| Equity capital to assets | 21.9571% | 154 |
| Core capital (leverage) ratio | 21.4339% | 149 |
| Tier 1 risk-based capital ratio | 41.2214% | 213 |
| Total risk-based capital ratio | 42.4816% | 213 |
| Memoranda: | ||
| Average total assets | $325,711,670 | 2,038 |
| Average earning assets | $298,853,000 | 2,064 |
| Average equity | $69,403,330 | 1,139 |
| Average total loans | $127,729,330 | 2,972 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4549% | 4,995 |
| Cost of funding earning assets | 0.2996% | 4,168 |
| Net interest margin | 3.1553% | 4,717 |
| Noninterest income to average assets | 0.1607% | 5,529 |
| Noninterest expense to average assets | 2.1960% | 4,912 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6805% | 3,814 |
| Return on assets (ROA) | 0.6805% | 3,930 |
| Pretax return on assets | 0.8618% | 3,994 |
| Return on Equity (ROE) | 3.2415% | 5,147 |
| Retained earnings to average equity (ytd only) | 2.9226% | 4,055 |
| Net charge-offs to loans | 0.0531% | 1,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 41.6471% | 992 |
| Efficiency ratio | 71.8153% | 2,824 |
| Assets per employee ($millions) | 3.8859% | 4,150 |
| Cash dividends to net income (ytd only)* | 9.8390% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2764% | 532 |
| Loan loss allowance to noncurrent loans | 19.3985% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 5.2486% | 148 |
| Noncurrent loans to loans | 11.7351% | 30 |
| Net loans and leases to total assets | 37.9764% | 5,559 |
| Net loans and leases to deposits | 48.2786% | 5,410 |
| Net loans and leases to core deposits | 51.5053% | 5,379 |
| Total domestic deposits to total assets | 78.6609% | 5,039 |
| Equity capital to assets | 21.1250% | 175 |
| Core capital (leverage) ratio | 21.4568% | 149 |
| Tier 1 risk-based capital ratio | 40.6222% | 226 |
| Total risk-based capital ratio | 41.8778% | 225 |
| Memoranda: | ||
| Average total assets | $328,598,500 | 2,034 |
| Average earning assets | $301,712,500 | 2,049 |
| Average equity | $68,980,500 | 1,139 |
| Average total loans | $127,999,000 | 2,963 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7291% | 4,283 |
| Cost of funding earning assets | 0.2958% | 4,297 |
| Net interest margin | 3.4333% | 3,783 |
| Noninterest income to average assets | 0.1917% | 5,441 |
| Noninterest expense to average assets | 2.2137% | 5,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8842% | 2,960 |
| Return on assets (ROA) | 0.8842% | 3,045 |
| Pretax return on assets | 1.1514% | 2,834 |
| Return on Equity (ROE) | 4.2349% | 4,834 |
| Retained earnings to average equity (ytd only) | 1.8175% | 4,692 |
| Net charge-offs to loans | -0.0192% | 5,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7844% | 3,941 |
| Assets per employee ($millions) | 3.8011% | 4,292 |
| Cash dividends to net income (ytd only)* | 57.0829% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3026% | 509 |
| Loan loss allowance to noncurrent loans | 18.6757% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 5.5048% | 153 |
| Noncurrent loans to loans | 12.3292% | 29 |
| Net loans and leases to total assets | 38.1469% | 5,616 |
| Net loans and leases to deposits | 48.3013% | 5,472 |
| Net loans and leases to core deposits | 51.3850% | 5,435 |
| Total domestic deposits to total assets | 78.9769% | 4,983 |
| Equity capital to assets | 20.8583% | 186 |
| Core capital (leverage) ratio | 21.1184% | 156 |
| Tier 1 risk-based capital ratio | 38.8244% | 245 |
| Total risk-based capital ratio | 40.0794% | 246 |
| Memoranda: | ||
| Average total assets | $323,345,600 | 2,029 |
| Average earning assets | $298,866,200 | 2,023 |
| Average equity | $67,510,400 | 1,126 |
| Average total loans | $125,243,600 | 2,965 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7039% | 4,408 |
| Cost of funding earning assets | 0.2942% | 4,404 |
| Net interest margin | 3.4097% | 3,910 |
| Noninterest income to average assets | 0.1960% | 5,475 |
| Noninterest expense to average assets | 2.2018% | 5,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8795% | 3,045 |
| Return on assets (ROA) | 0.8795% | 3,130 |
| Pretax return on assets | 1.1429% | 3,043 |
| Return on Equity (ROE) | 4.2113% | 4,953 |
| Retained earnings to average equity (ytd only) | 3.6509% | 3,868 |
| Net charge-offs to loans | 0.0182% | 3,583 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 162.5602% | 433 |
| Efficiency ratio | 65.8301% | 3,918 |
| Assets per employee ($millions) | 3.9146% | 4,049 |
| Cash dividends to net income (ytd only)* | 13.3050% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3219% | 557 |
| Loan loss allowance to noncurrent loans | 44.1297% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 2.8475% | 561 |
| Noncurrent loans to loans | 5.2616% | 185 |
| Net loans and leases to total assets | 37.5219% | 5,726 |
| Net loans and leases to deposits | 47.7484% | 5,582 |
| Net loans and leases to core deposits | 50.7143% | 5,551 |
| Total domestic deposits to total assets | 78.5825% | 5,072 |
| Equity capital to assets | 21.1851% | 188 |
| Core capital (leverage) ratio | 21.6366% | 152 |
| Tier 1 risk-based capital ratio | 40.8894% | 237 |
| Total risk-based capital ratio | 42.1448% | 236 |
| Memoranda: | ||
| Average total assets | $322,457,750 | 2,047 |
| Average earning assets | $297,769,250 | 2,041 |
| Average equity | $67,341,750 | 1,135 |
| Average total loans | $124,644,500 | 3,003 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6940% | 4,426 |
| Cost of funding earning assets | 0.2922% | 4,479 |
| Net interest margin | 3.4017% | 3,904 |
| Noninterest income to average assets | 0.1990% | 5,489 |
| Noninterest expense to average assets | 2.2454% | 4,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8482% | 3,134 |
| Return on assets (ROA) | 0.8482% | 3,235 |
| Pretax return on assets | 1.0950% | 3,195 |
| Return on Equity (ROE) | 4.0811% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.3660% | 3,897 |
| Net charge-offs to loans | 0.0032% | 3,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 880.5000% | 66 |
| Efficiency ratio | 67.2189% | 3,797 |
| Assets per employee ($millions) | 3.6491% | 4,537 |
| Cash dividends to net income (ytd only)* | 17.5220% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3477% | 598 |
| Loan loss allowance to noncurrent loans | 44.4937% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 2.8491% | 604 |
| Noncurrent loans to loans | 5.2764% | 204 |
| Net loans and leases to total assets | 37.7327% | 5,747 |
| Net loans and leases to deposits | 47.7355% | 5,606 |
| Net loans and leases to core deposits | 50.7748% | 5,582 |
| Total domestic deposits to total assets | 79.0455% | 5,091 |
| Equity capital to assets | 20.7808% | 192 |
| Core capital (leverage) ratio | 21.3465% | 154 |
| Tier 1 risk-based capital ratio | 41.2385% | 240 |
| Total risk-based capital ratio | 42.4945% | 239 |
| Memoranda: | ||
| Average total assets | $321,639,670 | 2,069 |
| Average earning assets | $297,024,330 | 2,064 |
| Average equity | $66,844,670 | 1,148 |
| Average total loans | $124,589,000 | 3,007 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6722% | 4,463 |
| Cost of funding earning assets | 0.2874% | 4,582 |
| Net interest margin | 3.3848% | 3,904 |
| Noninterest income to average assets | 0.1839% | 5,615 |
| Noninterest expense to average assets | 2.3038% | 4,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7717% | 3,408 |
| Return on assets (ROA) | 0.7717% | 3,548 |
| Pretax return on assets | 1.0264% | 3,397 |
| Return on Equity (ROE) | 3.7129% | 5,104 |
| Retained earnings to average equity (ytd only) | 2.4872% | 4,440 |
| Net charge-offs to loans | -0.0192% | 5,030 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1791% | 3,626 |
| Assets per employee ($millions) | 3.7364% | 4,451 |
| Cash dividends to net income (ytd only)* | 33.0113% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3392% | 672 |
| Loan loss allowance to noncurrent loans | 45.9132% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 2.7884% | 710 |
| Noncurrent loans to loans | 5.0948% | 257 |
| Net loans and leases to total assets | 37.9520% | 5,724 |
| Net loans and leases to deposits | 48.2354% | 5,553 |
| Net loans and leases to core deposits | 51.5553% | 5,518 |
| Total domestic deposits to total assets | 78.6809% | 5,322 |
| Equity capital to assets | 21.0863% | 180 |
| Core capital (leverage) ratio | 21.3174% | 157 |
| Tier 1 risk-based capital ratio | 41.2250% | 245 |
| Total risk-based capital ratio | 42.4815% | 244 |
| Memoranda: | ||
| Average total assets | $321,900,000 | 2,076 |
| Average earning assets | $299,222,500 | 2,057 |
| Average equity | $66,901,500 | 1,145 |
| Average total loans | $124,843,500 | 3,001 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6996% | 4,779 |
| Cost of funding earning assets | 0.3064% | 4,726 |
| Net interest margin | 3.3932% | 4,228 |
| Noninterest income to average assets | 0.1799% | 5,777 |
| Noninterest expense to average assets | 2.2654% | 5,203 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8263% | 3,250 |
| Return on assets (ROA) | 0.8263% | 3,341 |
| Pretax return on assets | 1.0917% | 3,116 |
| Return on Equity (ROE) | 4.3401% | 4,963 |
| Retained earnings to average equity (ytd only) | 2.0724% | 4,743 |
| Net charge-offs to loans | 0.2876% | 1,510 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 9.6810% | 2,713 |
| Efficiency ratio | 67.4802% | 3,989 |
| Assets per employee ($millions) | 3.7065% | 4,514 |
| Cash dividends to net income (ytd only)* | 52.2503% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3355% | 687 |
| Loan loss allowance to noncurrent loans | 45.4333% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 2.7953% | 768 |
| Noncurrent loans to loans | 5.1404% | 277 |
| Net loans and leases to total assets | 37.8019% | 5,862 |
| Net loans and leases to deposits | 47.6438% | 5,704 |
| Net loans and leases to core deposits | 50.8048% | 5,678 |
| Total domestic deposits to total assets | 79.3428% | 5,176 |
| Equity capital to assets | 20.4814% | 209 |
| Core capital (leverage) ratio | 21.0169% | 173 |
| Tier 1 risk-based capital ratio | 42.6703% | 204 |
| Total risk-based capital ratio | 43.9278% | 201 |
| Memoranda: | ||
| Average total assets | $330,758,000 | 1,963 |
| Average earning assets | $309,709,200 | 1,937 |
| Average equity | $62,970,600 | 1,162 |
| Average total loans | $129,678,400 | 2,877 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6980% | 4,867 |
| Cost of funding earning assets | 0.3099% | 4,783 |
| Net interest margin | 3.3881% | 4,283 |
| Noninterest income to average assets | 0.1807% | 5,836 |
| Noninterest expense to average assets | 2.2157% | 5,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8617% | 3,116 |
| Return on assets (ROA) | 0.8617% | 3,207 |
| Pretax return on assets | 1.1357% | 3,046 |
| Return on Equity (ROE) | 4.6107% | 4,899 |
| Retained earnings to average equity (ytd only) | 4.3642% | 3,548 |
| Net charge-offs to loans | 0.0428% | 3,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 67.4984% | 798 |
| Efficiency ratio | 66.1128% | 4,199 |
| Assets per employee ($millions) | 3.7841% | 4,322 |
| Cash dividends to net income (ytd only)* | 5.3464% | 3,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5169% | 635 |
| Loan loss allowance to noncurrent loans | 39.3359% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 3.1663% | 716 |
| Noncurrent loans to loans | 6.3986% | 203 |
| Net loans and leases to total assets | 38.6320% | 5,907 |
| Net loans and leases to deposits | 48.4620% | 5,741 |
| Net loans and leases to core deposits | 52.0414% | 5,681 |
| Total domestic deposits to total assets | 79.7161% | 5,171 |
| Equity capital to assets | 20.0403% | 233 |
| Core capital (leverage) ratio | 20.7549% | 188 |
| Tier 1 risk-based capital ratio | 41.6281% | 214 |
| Total risk-based capital ratio | 42.8868% | 211 |
| Memoranda: | ||
| Average total assets | $332,830,500 | 1,963 |
| Average earning assets | $311,476,000 | 1,939 |
| Average equity | $62,201,750 | 1,185 |
| Average total loans | $130,894,500 | 2,855 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7017% | 4,861 |
| Cost of funding earning assets | 0.3121% | 4,853 |
| Net interest margin | 3.3896% | 4,221 |
| Noninterest income to average assets | 0.1778% | 5,885 |
| Noninterest expense to average assets | 2.2046% | 5,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8631% | 2,992 |
| Return on assets (ROA) | 0.8631% | 3,092 |
| Pretax return on assets | 1.1411% | 2,924 |
| Return on Equity (ROE) | 4.7290% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.4055% | 3,374 |
| Net charge-offs to loans | 0.0380% | 3,460 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 76.5200% | 689 |
| Efficiency ratio | 65.8941% | 4,378 |
| Assets per employee ($millions) | 4.0021% | 3,833 |
| Cash dividends to net income (ytd only)* | 6.8417% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5049% | 702 |
| Loan loss allowance to noncurrent loans | 45.7580% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 2.6678% | 1,005 |
| Noncurrent loans to loans | 5.4743% | 332 |
| Net loans and leases to total assets | 36.8993% | 6,009 |
| Net loans and leases to deposits | 45.3956% | 5,914 |
| Net loans and leases to core deposits | 48.6495% | 5,868 |
| Total domestic deposits to total assets | 81.2839% | 4,881 |
| Equity capital to assets | 18.5374% | 291 |
| Core capital (leverage) ratio | 19.8400% | 205 |
| Tier 1 risk-based capital ratio | 40.7710% | 226 |
| Total risk-based capital ratio | 42.0301% | 221 |
| Memoranda: | ||
| Average total assets | $335,297,330 | 1,951 |
| Average earning assets | $313,368,000 | 1,916 |
| Average equity | $61,196,670 | 1,193 |
| Average total loans | $131,537,330 | 2,846 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7624% | 4,625 |
| Cost of funding earning assets | 0.3004% | 5,061 |
| Net interest margin | 3.4621% | 3,852 |
| Noninterest income to average assets | 0.1729% | 5,934 |
| Noninterest expense to average assets | 2.2656% | 5,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8644% | 2,829 |
| Return on assets (ROA) | 0.8644% | 2,891 |
| Pretax return on assets | 1.1401% | 2,733 |
| Return on Equity (ROE) | 4.7751% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.2542% | 3,578 |
| Net charge-offs to loans | 0.0030% | 3,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 943.0000% | 28 |
| Efficiency ratio | 66.5247% | 4,442 |
| Assets per employee ($millions) | 3.9687% | 4,009 |
| Cash dividends to net income (ytd only)* | 10.9091% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4744% | 834 |
| Loan loss allowance to noncurrent loans | 46.1982% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 2.6615% | 1,155 |
| Noncurrent loans to loans | 5.3560% | 382 |
| Net loans and leases to total assets | 37.9579% | 5,946 |
| Net loans and leases to deposits | 46.4187% | 5,824 |
| Net loans and leases to core deposits | 49.8515% | 5,778 |
| Total domestic deposits to total assets | 81.7729% | 5,006 |
| Equity capital to assets | 18.0106% | 323 |
| Core capital (leverage) ratio | 20.7953% | 173 |
| Tier 1 risk-based capital ratio | 40.7644% | 224 |
| Total risk-based capital ratio | 42.0239% | 220 |
| Memoranda: | ||
| Average total assets | $330,856,000 | 1,979 |
| Average earning assets | $308,948,000 | 1,958 |
| Average equity | $59,894,000 | 1,216 |
| Average total loans | $132,174,500 | 2,846 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0122% | 4,048 |
| Cost of funding earning assets | 0.3296% | 5,327 |
| Net interest margin | 3.6826% | 3,124 |
| Noninterest income to average assets | 0.1918% | 5,943 |
| Noninterest expense to average assets | 2.1528% | 5,726 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1140% | 1,886 |
| Return on assets (ROA) | 1.1142% | 1,956 |
| Pretax return on assets | 1.5104% | 1,413 |
| Return on Equity (ROE) | 5.8792% | 4,159 |
| Retained earnings to average equity (ytd only) | 3.3677% | 3,830 |
| Net charge-offs to loans | 0.4171% | 1,607 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 8.5890% | 2,642 |
| Efficiency ratio | 58.7737% | 5,641 |
| Assets per employee ($millions) | 3.6828% | 4,520 |
| Cash dividends to net income (ytd only)* | 42.7182% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5002% | 825 |
| Loan loss allowance to noncurrent loans | 88.6731% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.7700% | 2,094 |
| Noncurrent loans to loans | 2.8196% | 1,248 |
| Net loans and leases to total assets | 40.0185% | 5,961 |
| Net loans and leases to deposits | 49.0111% | 5,831 |
| Net loans and leases to core deposits | 52.7188% | 5,744 |
| Total domestic deposits to total assets | 81.6518% | 4,988 |
| Equity capital to assets | 18.2009% | 304 |
| Core capital (leverage) ratio | 20.7073% | 168 |
| Tier 1 risk-based capital ratio | 39.6393% | 235 |
| Total risk-based capital ratio | 40.8979% | 233 |
| Memoranda: | ||
| Average total assets | $332,174,000 | 1,939 |
| Average earning assets | $313,093,000 | 1,890 |
| Average equity | $62,951,000 | 1,139 |
| Average total loans | $140,017,200 | 2,700 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9946% | 4,149 |
| Cost of funding earning assets | 0.3358% | 5,428 |
| Net interest margin | 3.6588% | 3,199 |
| Noninterest income to average assets | 0.1961% | 5,999 |
| Noninterest expense to average assets | 2.1150% | 5,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1308% | 1,880 |
| Return on assets (ROA) | 1.1311% | 1,953 |
| Pretax return on assets | 1.5369% | 1,505 |
| Return on Equity (ROE) | 5.9126% | 4,236 |
| Retained earnings to average equity (ytd only) | 5.4426% | 2,765 |
| Net charge-offs to loans | 0.5131% | 1,253 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 7.0603% | 2,855 |
| Efficiency ratio | 57.9211% | 5,697 |
| Assets per employee ($millions) | 3.6708% | 4,504 |
| Cash dividends to net income (ytd only)* | 7.9495% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4994% | 933 |
| Loan loss allowance to noncurrent loans | 83.1458% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.7243% | 2,378 |
| Noncurrent loans to loans | 3.0061% | 1,337 |
| Net loans and leases to total assets | 40.1529% | 6,019 |
| Net loans and leases to deposits | 49.6511% | 5,861 |
| Net loans and leases to core deposits | 53.4145% | 5,802 |
| Total domestic deposits to total assets | 80.8702% | 5,247 |
| Equity capital to assets | 18.9044% | 263 |
| Core capital (leverage) ratio | 20.4374% | 188 |
| Tier 1 risk-based capital ratio | 39.7456% | 243 |
| Total risk-based capital ratio | 41.0047% | 241 |
| Memoranda: | ||
| Average total assets | $335,117,000 | 1,926 |
| Average earning assets | $316,487,750 | 1,890 |
| Average equity | $64,109,750 | 1,129 |
| Average total loans | $142,144,500 | 2,680 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0091% | 4,072 |
| Cost of funding earning assets | 0.3393% | 5,493 |
| Net interest margin | 3.6698% | 3,083 |
| Noninterest income to average assets | 0.2005% | 6,006 |
| Noninterest expense to average assets | 2.0782% | 5,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1753% | 1,655 |
| Return on assets (ROA) | 1.1753% | 1,765 |
| Pretax return on assets | 1.6052% | 1,362 |
| Return on Equity (ROE) | 6.1206% | 4,098 |
| Retained earnings to average equity (ytd only) | 5.4634% | 2,767 |
| Net charge-offs to loans | 0.6764% | 975 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.5438% | 2,874 |
| Efficiency ratio | 56.4201% | 5,907 |
| Assets per employee ($millions) | 3.7885% | 4,236 |
| Cash dividends to net income (ytd only)* | 10.7376% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4320% | 1,057 |
| Loan loss allowance to noncurrent loans | 1,352.4000% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.5888% | 4,776 |
| Noncurrent loans to loans | 0.1798% | 5,869 |
| Net loans and leases to total assets | 40.6857% | 5,996 |
| Net loans and leases to deposits | 50.4318% | 5,810 |
| Net loans and leases to core deposits | 54.0779% | 5,750 |
| Total domestic deposits to total assets | 80.6747% | 5,428 |
| Equity capital to assets | 19.1777% | 247 |
| Core capital (leverage) ratio | 19.8806% | 198 |
| Tier 1 risk-based capital ratio | 38.8580% | 251 |
| Total risk-based capital ratio | 40.1169% | 244 |
| Memoranda: | ||
| Average total assets | $339,146,000 | 1,913 |
| Average earning assets | $321,866,670 | 1,861 |
| Average equity | $65,124,000 | 1,108 |
| Average total loans | $145,182,330 | 2,642 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0120% | 4,068 |
| Cost of funding earning assets | 0.3542% | 5,487 |
| Net interest margin | 3.6578% | 3,046 |
| Noninterest income to average assets | 0.1953% | 6,078 |
| Noninterest expense to average assets | 2.0689% | 5,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1742% | 1,598 |
| Return on assets (ROA) | 1.1742% | 1,711 |
| Pretax return on assets | 1.6046% | 1,298 |
| Return on Equity (ROE) | 6.1110% | 3,979 |
| Retained earnings to average equity (ytd only) | 4.9971% | 3,235 |
| Net charge-offs to loans | 1.3301% | 421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.7830% | 2,937 |
| Efficiency ratio | 56.3196% | 6,031 |
| Assets per employee ($millions) | 3.8067% | 4,341 |
| Cash dividends to net income (ytd only)* | 18.2271% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3255% | 1,367 |
| Loan loss allowance to noncurrent loans | 304.9639% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.9146% | 4,110 |
| Noncurrent loans to loans | 0.7626% | 4,604 |
| Net loans and leases to total assets | 42.3652% | 5,819 |
| Net loans and leases to deposits | 52.9764% | 5,523 |
| Net loans and leases to core deposits | 57.2690% | 5,407 |
| Total domestic deposits to total assets | 79.9700% | 5,757 |
| Equity capital to assets | 19.6652% | 228 |
| Core capital (leverage) ratio | 19.2886% | 225 |
| Tier 1 risk-based capital ratio | 37.1592% | 291 |
| Total risk-based capital ratio | 38.4173% | 282 |
| Memoranda: | ||
| Average total assets | $342,023,000 | 1,925 |
| Average earning assets | $325,222,500 | 1,857 |
| Average equity | $65,717,500 | 1,124 |
| Average total loans | $148,261,500 | 2,608 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0680% | 5,064 |
| Cost of funding earning assets | 0.4853% | 5,319 |
| Net interest margin | 3.5827% | 4,172 |
| Noninterest income to average assets | 0.1577% | 6,250 |
| Noninterest expense to average assets | 2.1198% | 6,083 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0560% | 2,093 |
| Return on assets (ROA) | 1.0560% | 2,290 |
| Pretax return on assets | 1.4384% | 1,903 |
| Return on Equity (ROE) | 5.6522% | 4,338 |
| Retained earnings to average equity (ytd only) | 2.9893% | 4,126 |
| Net charge-offs to loans | -0.0050% | 6,386 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5746% | 5,603 |
| Assets per employee ($millions) | 3.9665% | 4,018 |
| Cash dividends to net income (ytd only)* | 47.1117% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5604% | 1,061 |
| Loan loss allowance to noncurrent loans | 250.9397% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.9858% | 4,059 |
| Noncurrent loans to loans | 1.0203% | 4,163 |
| Net loans and leases to total assets | 42.2147% | 5,983 |
| Net loans and leases to deposits | 52.0859% | 5,797 |
| Net loans and leases to core deposits | 56.8317% | 5,647 |
| Total domestic deposits to total assets | 81.0482% | 5,389 |
| Equity capital to assets | 18.7816% | 279 |
| Core capital (leverage) ratio | 18.5861% | 252 |
| Tier 1 risk-based capital ratio | 35.9762% | 316 |
| Total risk-based capital ratio | 37.2378% | 308 |
| Memoranda: | ||
| Average total assets | $347,536,000 | 1,861 |
| Average earning assets | $329,865,600 | 1,792 |
| Average equity | $64,930,600 | 1,092 |
| Average total loans | $159,868,000 | 2,435 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0833% | 5,253 |
| Cost of funding earning assets | 0.5159% | 5,338 |
| Net interest margin | 3.5674% | 4,368 |
| Noninterest income to average assets | 0.1790% | 6,235 |
| Noninterest expense to average assets | 2.0928% | 6,180 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0746% | 2,193 |
| Return on assets (ROA) | 1.0746% | 2,395 |
| Pretax return on assets | 1.4725% | 1,989 |
| Return on Equity (ROE) | 5.7594% | 4,457 |
| Retained earnings to average equity (ytd only) | 5.4177% | 3,088 |
| Net charge-offs to loans | -0.0165% | 6,458 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6987% | 5,695 |
| Assets per employee ($millions) | 3.9232% | 4,026 |
| Cash dividends to net income (ytd only)* | 5.9329% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5106% | 1,198 |
| Loan loss allowance to noncurrent loans | 66.1106% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 2.2234% | 2,407 |
| Noncurrent loans to loans | 3.7976% | 1,394 |
| Net loans and leases to total assets | 44.1869% | 5,951 |
| Net loans and leases to deposits | 55.0059% | 5,719 |
| Net loans and leases to core deposits | 60.1880% | 5,539 |
| Total domestic deposits to total assets | 80.3311% | 5,568 |
| Equity capital to assets | 19.4201% | 266 |
| Core capital (leverage) ratio | 18.8392% | 254 |
| Tier 1 risk-based capital ratio | 35.7388% | 334 |
| Total risk-based capital ratio | 36.9996% | 327 |
| Memoranda: | ||
| Average total assets | $347,156,500 | 1,887 |
| Average earning assets | $329,533,000 | 1,820 |
| Average equity | $64,773,750 | 1,099 |
| Average total loans | $162,029,000 | 2,428 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0834% | 5,379 |
| Cost of funding earning assets | 0.5506% | 5,300 |
| Net interest margin | 3.5328% | 4,542 |
| Noninterest income to average assets | 0.1828% | 6,259 |
| Noninterest expense to average assets | 2.1077% | 6,218 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0404% | 2,298 |
| Return on assets (ROA) | 1.0404% | 2,523 |
| Pretax return on assets | 1.4237% | 2,115 |
| Return on Equity (ROE) | 5.6512% | 4,501 |
| Retained earnings to average equity (ytd only) | 5.2933% | 3,098 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6853% | 5,627 |
| Assets per employee ($millions) | 3.9655% | 3,948 |
| Cash dividends to net income (ytd only)* | 6.3326% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4594% | 1,337 |
| Loan loss allowance to noncurrent loans | 146.4746% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 1.2615% | 3,903 |
| Noncurrent loans to loans | 1.6790% | 3,379 |
| Net loans and leases to total assets | 44.4208% | 5,975 |
| Net loans and leases to deposits | 54.9208% | 5,775 |
| Net loans and leases to core deposits | 60.0526% | 5,583 |
| Total domestic deposits to total assets | 80.8815% | 5,507 |
| Equity capital to assets | 18.9431% | 283 |
| Core capital (leverage) ratio | 18.5978% | 265 |
| Tier 1 risk-based capital ratio | 34.9352% | 346 |
| Total risk-based capital ratio | 36.1959% | 340 |
| Memoranda: | ||
| Average total assets | $349,101,670 | 1,875 |
| Average earning assets | $330,900,330 | 1,818 |
| Average equity | $64,270,000 | 1,101 |
| Average total loans | $164,471,000 | 2,407 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 5,133 |
| Cost of funding earning assets | 0.5705% | 5,358 |
| Net interest margin | 3.6216% | 4,172 |
| Noninterest income to average assets | 0.1788% | 6,311 |
| Noninterest expense to average assets | 2.1370% | 6,184 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0696% | 2,207 |
| Return on assets (ROA) | 1.0696% | 2,397 |
| Pretax return on assets | 1.4694% | 1,965 |
| Return on Equity (ROE) | 5.8938% | 4,350 |
| Retained earnings to average equity (ytd only) | 5.7745% | 3,092 |
| Net charge-offs to loans | -0.0238% | 6,239 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2546% | 5,730 |
| Assets per employee ($millions) | 4.0267% | 3,954 |
| Cash dividends to net income (ytd only)* | 2.0234% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3636% | 1,567 |
| Loan loss allowance to noncurrent loans | 269.9652% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8989% | 4,727 |
| Noncurrent loans to loans | 0.8755% | 4,920 |
| Net loans and leases to total assets | 45.6798% | 5,822 |
| Net loans and leases to deposits | 56.1231% | 5,586 |
| Net loans and leases to core deposits | 61.2906% | 5,405 |
| Total domestic deposits to total assets | 81.3922% | 5,496 |
| Equity capital to assets | 18.2844% | 319 |
| Core capital (leverage) ratio | 18.0275% | 296 |
| Tier 1 risk-based capital ratio | 33.3954% | 382 |
| Total risk-based capital ratio | 34.6550% | 378 |
| Memoranda: | ||
| Average total assets | $351,154,500 | 1,884 |
| Average earning assets | $332,339,000 | 1,817 |
| Average equity | $63,728,500 | 1,106 |
| Average total loans | $168,149,500 | 2,384 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7872% | 3,873 |
| Cost of funding earning assets | 0.7928% | 4,917 |
| Net interest margin | 3.9945% | 2,913 |
| Noninterest income to average assets | 0.1073% | 6,607 |
| Noninterest expense to average assets | 2.0276% | 6,628 |
| Loan and lease loss provision to assets | 0.4841% | 2,181 |
| Net operating income to assets | 0.9955% | 2,216 |
| Return on assets (ROA) | 0.9963% | 2,357 |
| Pretax return on assets | 1.3694% | 1,882 |
| Return on Equity (ROE) | 5.7359% | 4,011 |
| Retained earnings to average equity (ytd only) | 3.5570% | 3,700 |
| Net charge-offs to loans | 0.2295% | 4,348 |
| Credit loss provision to net charge-offs | 422.0297% | 543 |
| Earnings coverage of net charge-offs (x) | 16.1485% | 1,349 |
| Efficiency ratio | 52.2576% | 6,683 |
| Assets per employee ($millions) | 4.0929% | 3,660 |
| Cash dividends to net income (ytd only)* | 37.9880% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2413% | 1,724 |
| Loan loss allowance to noncurrent loans | 280.8140% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.8779% | 4,869 |
| Noncurrent loans to loans | 0.7981% | 5,094 |
| Net loans and leases to total assets | 47.8809% | 5,833 |
| Net loans and leases to deposits | 58.5997% | 5,643 |
| Net loans and leases to core deposits | 64.6692% | 5,400 |
| Total domestic deposits to total assets | 81.7085% | 5,228 |
| Equity capital to assets | 18.0128% | 347 |
| Core capital (leverage) ratio | 17.8540% | 304 |
| Tier 1 risk-based capital ratio | 31.8147% | 434 |
| Total risk-based capital ratio | 33.0737% | 423 |
| Memoranda: | ||
| Average total assets | $352,197,000 | 1,838 |
| Average earning assets | $332,636,200 | 1,782 |
| Average equity | $61,175,600 | 1,105 |
| Average total loans | $176,011,000 | 2,307 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 3,343 |
| Cost of funding earning assets | 0.8427% | 4,825 |
| Net interest margin | 4.1045% | 2,455 |
| Noninterest income to average assets | 0.1650% | 6,413 |
| Noninterest expense to average assets | 2.0016% | 6,687 |
| Loan and lease loss provision to assets | 0.5602% | 1,753 |
| Net operating income to assets | 1.0747% | 2,061 |
| Return on assets (ROA) | 1.0761% | 2,201 |
| Pretax return on assets | 1.4804% | 1,703 |
| Return on Equity (ROE) | 6.2531% | 3,902 |
| Retained earnings to average equity (ytd only) | 6.2531% | 2,398 |
| Net charge-offs to loans | 0.1982% | 4,211 |
| Credit loss provision to net charge-offs | 562.7376% | 491 |
| Earnings coverage of net charge-offs (x) | 20.4790% | 1,219 |
| Efficiency ratio | 49.5409% | 6,855 |
| Assets per employee ($millions) | 3.9575% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1455% | 1,974 |
| Loan loss allowance to noncurrent loans | 125.0413% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 1.3166% | 4,174 |
| Noncurrent loans to loans | 1.7159% | 3,739 |
| Net loans and leases to total assets | 50.0726% | 5,692 |
| Net loans and leases to deposits | 61.7815% | 5,431 |
| Net loans and leases to core deposits | 70.3467% | 4,909 |
| Total domestic deposits to total assets | 81.0479% | 5,417 |
| Equity capital to assets | 18.6314% | 340 |
| Core capital (leverage) ratio | 18.2289% | 308 |
| Tier 1 risk-based capital ratio | 32.1326% | 449 |
| Total risk-based capital ratio | 33.3908% | 442 |
| Memoranda: | ||
| Average total assets | $352,249,250 | 1,846 |
| Average earning assets | $332,570,750 | 1,793 |
| Average equity | $60,618,750 | 1,117 |
| Average total loans | $176,914,000 | 2,305 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9807% | 3,251 |
| Cost of funding earning assets | 0.8945% | 4,712 |
| Net interest margin | 4.0862% | 2,462 |
| Noninterest income to average assets | 0.1724% | 6,427 |
| Noninterest expense to average assets | 1.9989% | 6,797 |
| Loan and lease loss provision to assets | 0.5382% | 1,811 |
| Net operating income to assets | 1.0822% | 1,925 |
| Return on assets (ROA) | 1.0843% | 2,011 |
| Pretax return on assets | 1.4945% | 1,549 |
| Return on Equity (ROE) | 6.4735% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.4735% | 2,153 |
| Net charge-offs to loans | 0.2563% | 3,604 |
| Credit loss provision to net charge-offs | 420.7048% | 717 |
| Earnings coverage of net charge-offs (x) | 15.8678% | 1,379 |
| Efficiency ratio | 49.6153% | 6,967 |
| Assets per employee ($millions) | 3.9444% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8835% | 2,715 |
| Loan loss allowance to noncurrent loans | 151.6590% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 1.3561% | 4,196 |
| Noncurrent loans to loans | 1.2420% | 4,585 |
| Net loans and leases to total assets | 49.3895% | 5,897 |
| Net loans and leases to deposits | 60.3463% | 5,692 |
| Net loans and leases to core deposits | 68.0687% | 5,283 |
| Total domestic deposits to total assets | 81.8435% | 5,217 |
| Equity capital to assets | 17.9511% | 383 |
| Core capital (leverage) ratio | 17.6028% | 361 |
| Tier 1 risk-based capital ratio | 30.6224% | 508 |
| Total risk-based capital ratio | 31.8771% | 497 |
| Memoranda: | ||
| Average total assets | $354,899,000 | 1,847 |
| Average earning assets | $334,935,670 | 1,786 |
| Average equity | $59,442,330 | 1,129 |
| Average total loans | $177,158,670 | 2,316 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0229% | 2,996 |
| Cost of funding earning assets | 0.9016% | 4,912 |
| Net interest margin | 4.1214% | 2,181 |
| Noninterest income to average assets | 0.1650% | 6,549 |
| Noninterest expense to average assets | 1.9811% | 6,858 |
| Loan and lease loss provision to assets | 0.3679% | 2,357 |
| Net operating income to assets | 1.2212% | 1,475 |
| Return on assets (ROA) | 1.2252% | 1,516 |
| Pretax return on assets | 1.7102% | 964 |
| Return on Equity (ROE) | 7.5781% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.5781% | 1,904 |
| Net charge-offs to loans | 0.1413% | 3,658 |
| Credit loss provision to net charge-offs | 523.8095% | 690 |
| Earnings coverage of net charge-offs (x) | 29.5079% | 838 |
| Efficiency ratio | 48.8724% | 7,072 |
| Assets per employee ($millions) | 3.9514% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 3,745 |
| Loan loss allowance to noncurrent loans | 154.9836% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 1.2482% | 4,448 |
| Noncurrent loans to loans | 1.0304% | 4,996 |
| Net loans and leases to total assets | 49.0349% | 5,955 |
| Net loans and leases to deposits | 58.9908% | 5,825 |
| Net loans and leases to core deposits | 67.5496% | 5,348 |
| Total domestic deposits to total assets | 83.1231% | 4,881 |
| Equity capital to assets | 16.5847% | 494 |
| Core capital (leverage) ratio | 17.2723% | 375 |
| Tier 1 risk-based capital ratio | 29.1146% | 567 |
| Total risk-based capital ratio | 30.3659% | 550 |
| Memoranda: | ||
| Average total assets | $358,796,500 | 1,833 |
| Average earning assets | $338,526,500 | 1,775 |
| Average equity | $58,009,000 | 1,141 |
| Average total loans | $178,376,000 | 2,331 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2692% | 3,275 |
| Cost of funding earning assets | 1.1184% | 5,032 |
| Net interest margin | 4.1507% | 2,363 |
| Noninterest income to average assets | 0.2209% | 6,226 |
| Noninterest expense to average assets | 2.2054% | 6,596 |
| Loan and lease loss provision to assets | 0.2400% | 4,884 |
| Net operating income to assets | 1.1984% | 1,418 |
| Return on assets (ROA) | 1.1965% | 1,502 |
| Pretax return on assets | 1.6970% | 945 |
| Return on Equity (ROE) | 6.8293% | 3,197 |
| Retained earnings to average equity (ytd only) | 4.5924% | 2,666 |
| Net charge-offs to loans | 0.0155% | 6,669 |
| Credit loss provision to net charge-offs | 2,988.8889% | 77 |
| Earnings coverage of net charge-offs (x) | 241.5926% | 96 |
| Efficiency ratio | 53.2066% | 6,871 |
| Assets per employee ($millions) | 4.3610% | 3,097 |
| Cash dividends to net income (ytd only)* | 32.7535% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 4,388 |
| Loan loss allowance to noncurrent loans | 102.2745% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.3576% | 4,309 |
| Noncurrent loans to loans | 1.3958% | 4,391 |
| Net loans and leases to total assets | 48.8934% | 6,286 |
| Net loans and leases to deposits | 58.1138% | 6,241 |
| Net loans and leases to core deposits | 67.0101% | 5,772 |
| Total domestic deposits to total assets | 84.1338% | 4,304 |
| Equity capital to assets | 15.7579% | 630 |
| Core capital (leverage) ratio | 16.7537% | 417 |
| Tier 1 risk-based capital ratio | 28.0411% | 607 |
| Total risk-based capital ratio | 29.2351% | 591 |
| Memoranda: | ||
| Average total assets | $336,306,000 | 1,937 |
| Average earning assets | $317,944,200 | 1,870 |
| Average equity | $58,923,000 | 1,135 |
| Average total loans | $174,377,400 | 2,412 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3998% | 2,885 |
| Cost of funding earning assets | 1.1587% | 5,095 |
| Net interest margin | 4.2411% | 2,065 |
| Noninterest income to average assets | 0.2251% | 6,289 |
| Noninterest expense to average assets | 2.1655% | 6,698 |
| Loan and lease loss provision to assets | 0.2405% | 4,675 |
| Net operating income to assets | 1.2664% | 1,423 |
| Return on assets (ROA) | 1.2687% | 1,497 |
| Pretax return on assets | 1.8301% | 874 |
| Return on Equity (ROE) | 7.0465% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.0465% | 1,822 |
| Net charge-offs to loans | -0.0223% | 7,368 |
| Credit loss provision to net charge-offs | -2,051.7241% | 7,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1601% | 7,057 |
| Assets per employee ($millions) | 3.8973% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 4,766 |
| Loan loss allowance to noncurrent loans | 74.4049% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.3185% | 4,510 |
| Noncurrent loans to loans | 1.7967% | 3,952 |
| Net loans and leases to total assets | 50.0908% | 6,318 |
| Net loans and leases to deposits | 60.9424% | 6,221 |
| Net loans and leases to core deposits | 70.1729% | 5,727 |
| Total domestic deposits to total assets | 82.1937% | 4,917 |
| Equity capital to assets | 17.4941% | 463 |
| Core capital (leverage) ratio | 17.8968% | 359 |
| Tier 1 risk-based capital ratio | 29.1286% | 562 |
| Total risk-based capital ratio | 30.2851% | 553 |
| Memoranda: | ||
| Average total assets | $329,891,250 | 1,999 |
| Average earning assets | $311,733,750 | 1,939 |
| Average equity | $59,394,250 | 1,122 |
| Average total loans | $173,086,750 | 2,472 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5643% | 2,276 |
| Cost of funding earning assets | 1.2058% | 5,092 |
| Net interest margin | 4.3585% | 1,567 |
| Noninterest income to average assets | 0.2313% | 6,260 |
| Noninterest expense to average assets | 2.2398% | 6,544 |
| Loan and lease loss provision to assets | 0.1275% | 5,608 |
| Net operating income to assets | 1.3629% | 1,167 |
| Return on assets (ROA) | 1.3668% | 1,225 |
| Pretax return on assets | 1.9805% | 623 |
| Return on Equity (ROE) | 7.5131% | 3,109 |
| Retained earnings to average equity (ytd only) | 7.5131% | 1,632 |
| Net charge-offs to loans | -0.0340% | 7,380 |
| Credit loss provision to net charge-offs | -706.8966% | 6,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5824% | 7,109 |
| Assets per employee ($millions) | 3.7757% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 5,650 |
| Loan loss allowance to noncurrent loans | 24.0922% | 6,732 |
| Noncurrent assets plus other real estate owned to assets | 3.0221% | 2,358 |
| Noncurrent loans to loans | 4.8142% | 1,471 |
| Net loans and leases to total assets | 52.9354% | 6,111 |
| Net loans and leases to deposits | 65.1899% | 5,900 |
| Net loans and leases to core deposits | 75.1998% | 5,298 |
| Total domestic deposits to total assets | 81.2018% | 5,331 |
| Equity capital to assets | 18.6396% | 368 |
| Core capital (leverage) ratio | 18.4230% | 329 |
| Tier 1 risk-based capital ratio | 30.5075% | 481 |
| Total risk-based capital ratio | 31.5386% | 486 |
| Memoranda: | ||
| Average total assets | $321,638,330 | 2,063 |
| Average earning assets | $303,363,000 | 2,007 |
| Average equity | $58,511,330 | 1,135 |
| Average total loans | $170,764,330 | 2,530 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5904% | 2,188 |
| Cost of funding earning assets | 1.2289% | 5,235 |
| Net interest margin | 4.3615% | 1,502 |
| Noninterest income to average assets | 0.2149% | 6,422 |
| Noninterest expense to average assets | 2.2143% | 6,654 |
| Loan and lease loss provision to assets | 0.0562% | 6,097 |
| Net operating income to assets | 1.4102% | 1,050 |
| Return on assets (ROA) | 1.4145% | 1,112 |
| Pretax return on assets | 2.0531% | 552 |
| Return on Equity (ROE) | 7.8741% | 2,949 |
| Retained earnings to average equity (ytd only) | 7.8741% | 1,761 |
| Net charge-offs to loans | -0.0071% | 6,847 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2880% | 7,210 |
| Assets per employee ($millions) | 3.7326% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 6,116 |
| Loan loss allowance to noncurrent loans | 65.9459% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.3047% | 4,583 |
| Noncurrent loans to loans | 1.6324% | 4,301 |
| Net loans and leases to total assets | 52.3872% | 6,232 |
| Net loans and leases to deposits | 64.2985% | 6,029 |
| Net loans and leases to core deposits | 76.8955% | 5,148 |
| Total domestic deposits to total assets | 81.4750% | 5,279 |
| Equity capital to assets | 18.2487% | 399 |
| Core capital (leverage) ratio | 18.5756% | 339 |
| Tier 1 risk-based capital ratio | 30.3948% | 509 |
| Total risk-based capital ratio | 31.3437% | 509 |
| Memoranda: | ||
| Average total assets | $320,104,000 | 2,127 |
| Average earning assets | $301,087,000 | 2,070 |
| Average equity | $57,505,000 | 1,157 |
| Average total loans | $169,195,500 | 2,625 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4070% | 4,671 |
| Cost of funding earning assets | 1.3835% | 6,002 |
| Net interest margin | 4.0235% | 2,769 |
| Noninterest income to average assets | 0.2595% | 6,257 |
| Noninterest expense to average assets | 2.2820% | 6,796 |
| Loan and lease loss provision to assets | 0.4535% | 4,107 |
| Net operating income to assets | 0.9477% | 2,014 |
| Return on assets (ROA) | 0.9458% | 2,074 |
| Pretax return on assets | 1.3405% | 1,581 |
| Return on Equity (ROE) | 5.0269% | 3,658 |
| Retained earnings to average equity (ytd only) | 2.6997% | 3,263 |
| Net charge-offs to loans | 0.8366% | 2,737 |
| Credit loss provision to net charge-offs | 94.1379% | 5,843 |
| Earnings coverage of net charge-offs (x) | 3.7297% | 3,226 |
| Efficiency ratio | 55.9502% | 7,022 |
| Assets per employee ($millions) | 3.5866% | 4,813 |
| Cash dividends to net income (ytd only)* | 46.2943% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 6,095 |
| Loan loss allowance to noncurrent loans | 56.9147% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.4217% | 4,283 |
| Noncurrent loans to loans | 1.8593% | 3,848 |
| Net loans and leases to total assets | 52.1967% | 6,401 |
| Net loans and leases to deposits | 63.4614% | 6,332 |
| Net loans and leases to core deposits | 97.3008% | 4,314 |
| Total domestic deposits to total assets | 82.2496% | 4,840 |
| Equity capital to assets | 17.6787% | 478 |
| Core capital (leverage) ratio | 18.4395% | 370 |
| Tier 1 risk-based capital ratio | 29.8739% | 530 |
| Total risk-based capital ratio | 30.8000% | 533 |
| Memoranda: | ||
| Average total assets | $301,002,000 | 2,211 |
| Average earning assets | $285,723,800 | 2,154 |
| Average equity | $56,635,200 | 1,164 |
| Average total loans | $173,310,400 | 2,593 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3939% | 4,977 |
| Cost of funding earning assets | 1.4190% | 6,152 |
| Net interest margin | 3.9750% | 2,921 |
| Noninterest income to average assets | 0.2654% | 6,331 |
| Noninterest expense to average assets | 2.3491% | 6,558 |
| Loan and lease loss provision to assets | 0.4587% | 3,618 |
| Net operating income to assets | 0.8771% | 2,508 |
| Return on assets (ROA) | 0.8752% | 2,593 |
| Pretax return on assets | 1.2346% | 2,151 |
| Return on Equity (ROE) | 4.5771% | 4,126 |
| Retained earnings to average equity (ytd only) | 4.5771% | 2,719 |
| Net charge-offs to loans | 0.1268% | 5,427 |
| Credit loss provision to net charge-offs | 614.4578% | 619 |
| Earnings coverage of net charge-offs (x) | 22.7166% | 1,149 |
| Efficiency ratio | 58.0720% | 6,708 |
| Assets per employee ($millions) | 3.7798% | 4,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 3,223 |
| Loan loss allowance to noncurrent loans | 80.9099% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.2964% | 4,492 |
| Noncurrent loans to loans | 1.9060% | 3,769 |
| Net loans and leases to total assets | 57.4512% | 5,972 |
| Net loans and leases to deposits | 71.4225% | 5,747 |
| Net loans and leases to core deposits | 109.2317% | 3,321 |
| Total domestic deposits to total assets | 80.4385% | 5,276 |
| Equity capital to assets | 19.2298% | 398 |
| Core capital (leverage) ratio | 19.6917% | 334 |
| Tier 1 risk-based capital ratio | 29.5878% | 595 |
| Total risk-based capital ratio | 30.8398% | 584 |
| Memoranda: | ||
| Average total assets | $296,451,500 | 2,253 |
| Average earning assets | $281,891,500 | 2,185 |
| Average equity | $56,686,250 | 1,181 |
| Average total loans | $174,539,000 | 2,613 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2919% | 5,688 |
| Cost of funding earning assets | 1.4582% | 6,298 |
| Net interest margin | 3.8337% | 3,396 |
| Noninterest income to average assets | 0.2656% | 6,373 |
| Noninterest expense to average assets | 2.3214% | 6,701 |
| Loan and lease loss provision to assets | 0.6622% | 2,447 |
| Net operating income to assets | 0.6764% | 3,359 |
| Return on assets (ROA) | 0.6710% | 3,491 |
| Pretax return on assets | 0.9278% | 3,248 |
| Return on Equity (ROE) | 3.5161% | 4,704 |
| Retained earnings to average equity (ytd only) | 3.5161% | 3,351 |
| Net charge-offs to loans | 0.1415% | 4,759 |
| Credit loss provision to net charge-offs | 792.6829% | 594 |
| Earnings coverage of net charge-offs (x) | 19.1220% | 1,378 |
| Efficiency ratio | 59.2374% | 6,660 |
| Assets per employee ($millions) | 3.3978% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5879% | 2,792 |
| Loan loss allowance to noncurrent loans | 70.8811% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.5217% | 3,941 |
| Noncurrent loans to loans | 2.2402% | 3,201 |
| Net loans and leases to total assets | 58.3463% | 5,914 |
| Net loans and leases to deposits | 72.7487% | 5,640 |
| Net loans and leases to core deposits | 109.7111% | 3,405 |
| Total domestic deposits to total assets | 80.2026% | 5,394 |
| Equity capital to assets | 19.5156% | 414 |
| Core capital (leverage) ratio | 19.5514% | 386 |
| Tier 1 risk-based capital ratio | 29.9809% | 608 |
| Total risk-based capital ratio | 31.2329% | 589 |
| Memoranda: | ||
| Average total assets | $294,475,330 | 2,291 |
| Average earning assets | $280,617,330 | 2,221 |
| Average equity | $56,199,330 | 1,202 |
| Average total loans | $173,904,670 | 2,648 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1975% | 6,304 |
| Cost of funding earning assets | 1.5007% | 6,397 |
| Net interest margin | 3.6968% | 3,902 |
| Noninterest income to average assets | 0.2368% | 6,565 |
| Noninterest expense to average assets | 2.2213% | 6,800 |
| Loan and lease loss provision to assets | 1.2512% | 1,023 |
| Net operating income to assets | 0.2509% | 5,482 |
| Return on assets (ROA) | 0.2381% | 5,698 |
| Pretax return on assets | 0.2758% | 5,748 |
| Return on Equity (ROE) | 1.2616% | 6,053 |
| Retained earnings to average equity (ytd only) | 1.2616% | 5,132 |
| Net charge-offs to loans | 0.0457% | 4,840 |
| Credit loss provision to net charge-offs | 4,650.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 57.3000% | 667 |
| Efficiency ratio | 59.0275% | 6,550 |
| Assets per employee ($millions) | 3.5927% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5715% | 2,640 |
| Loan loss allowance to noncurrent loans | 73.1560% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.3055% | 4,061 |
| Noncurrent loans to loans | 2.1482% | 3,055 |
| Net loans and leases to total assets | 59.7681% | 5,695 |
| Net loans and leases to deposits | 74.2434% | 5,450 |
| Net loans and leases to core deposits | 110.2644% | 3,399 |
| Total domestic deposits to total assets | 80.5029% | 5,168 |
| Equity capital to assets | 19.2503% | 460 |
| Core capital (leverage) ratio | 19.0346% | 447 |
| Tier 1 risk-based capital ratio | 29.0850% | 681 |
| Total risk-based capital ratio | 30.3374% | 663 |
| Memoranda: | ||
| Average total assets | $297,305,500 | 2,288 |
| Average earning assets | $283,599,000 | 2,219 |
| Average equity | $56,117,000 | 1,208 |
| Average total loans | $175,241,000 | 2,650 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0033% | 5,532 |
| Cost of funding earning assets | 2.2374% | 5,428 |
| Net interest margin | 3.7659% | 4,154 |
| Noninterest income to average assets | 0.2776% | 6,474 |
| Noninterest expense to average assets | 2.0150% | 7,412 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2628% | 1,592 |
| Return on assets (ROA) | 1.3637% | 1,266 |
| Pretax return on assets | 1.9932% | 615 |
| Return on Equity (ROE) | 7.6249% | 3,228 |
| Retained earnings to average equity (ytd only) | 5.2264% | 1,898 |
| Net charge-offs to loans | 0.2399% | 3,854 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 14.2412% | 2,057 |
| Efficiency ratio | 52.2051% | 7,465 |
| Assets per employee ($millions) | 3.7950% | 3,969 |
| Cash dividends to net income (ytd only)* | 31.4558% | 4,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 5,461 |
| Loan loss allowance to noncurrent loans | 252.6387% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 6,602 |
| Noncurrent loans to loans | 0.4253% | 6,064 |
| Net loans and leases to total assets | 56.6226% | 6,368 |
| Net loans and leases to deposits | 69.5722% | 6,320 |
| Net loans and leases to core deposits | 102.4042% | 4,567 |
| Total domestic deposits to total assets | 81.3869% | 4,470 |
| Equity capital to assets | 18.5156% | 598 |
| Core capital (leverage) ratio | 18.1635% | 591 |
| Tier 1 risk-based capital ratio | 29.3087% | 680 |
| Total risk-based capital ratio | 30.2866% | 684 |
| Memoranda: | ||
| Average total assets | $307,246,600 | 2,166 |
| Average earning assets | $292,254,000 | 2,093 |
| Average equity | $54,951,800 | 1,226 |
| Average total loans | $165,885,400 | 2,690 |