Home > LifeStore Bank > Performance and Condition Ratios
LifeStore 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 | 5.4280% | 2,245 |
| Cost of funding earning assets | 2.0421% | 1,814 |
| Net interest margin | 3.3859% | 2,593 |
| Noninterest income to average assets | 0.4600% | 1,914 |
| Noninterest expense to average assets | 2.5949% | 2,029 |
| Loan and lease loss provision to assets | 0.1200% | 1,082 |
| Net operating income to assets | 0.7672% | 2,927 |
| Return on assets (ROA) | 0.7658% | 2,936 |
| Pretax return on assets | 0.9036% | 2,958 |
| Return on Equity (ROE) | 7.4600% | 3,006 |
| Retained earnings to average equity (ytd only) | 7.4593% | 1,848 |
| Net charge-offs to loans | -0.0494% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 71.6955% | 1,649 |
| Assets per employee ($millions) | 6.9573% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 1,121 |
| Loan loss allowance to noncurrent loans | 121.4125% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.8997% | 815 |
| Noncurrent loans to loans | 1.2032% | 880 |
| Net loans and leases to total assets | 60.6300% | 2,816 |
| Net loans and leases to deposits | 68.1633% | 2,974 |
| Net loans and leases to core deposits | 74.9727% | 3,017 |
| Total domestic deposits to total assets | 88.9500% | 1,208 |
| Equity capital to assets | 10.1555% | 2,122 |
| Core capital (leverage) ratio | 11.0486% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4102% | 828 |
| Memoranda: | ||
| Average total assets | $473,227,500 | 1,846 |
| Average earning assets | $441,123,500 | 1,847 |
| Average equity | $48,583,500 | 1,795 |
| Average total loans | $291,403,500 | 1,917 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4808% | 2,173 |
| Cost of funding earning assets | 2.2766% | 1,574 |
| Net interest margin | 3.2042% | 2,714 |
| Noninterest income to average assets | 0.5100% | 1,882 |
| Noninterest expense to average assets | 2.5804% | 2,082 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.7609% | 2,799 |
| Return on assets (ROA) | 0.7734% | 2,786 |
| Pretax return on assets | 0.8894% | 2,834 |
| Return on Equity (ROE) | 7.2000% | 2,968 |
| Retained earnings to average equity (ytd only) | 6.4702% | 1,628 |
| Net charge-offs to loans | -0.0428% | 4,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 73.9400% | 1,561 |
| Assets per employee ($millions) | 6.3890% | 2,592 |
| Cash dividends to net income (ytd only)* | 10.1922% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 1,200 |
| Loan loss allowance to noncurrent loans | 134.8708% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.8684% | 808 |
| Noncurrent loans to loans | 1.0636% | 952 |
| Net loans and leases to total assets | 60.7400% | 2,862 |
| Net loans and leases to deposits | 68.4186% | 3,054 |
| Net loans and leases to core deposits | 75.1226% | 3,091 |
| Total domestic deposits to total assets | 88.7800% | 1,235 |
| Equity capital to assets | 10.3806% | 1,905 |
| Core capital (leverage) ratio | 11.1981% | 1,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5072% | 823 |
| Memoranda: | ||
| Average total assets | $443,994,800 | 1,922 |
| Average earning assets | $412,494,000 | 1,908 |
| Average equity | $47,664,600 | 1,768 |
| Average total loans | $275,799,000 | 1,950 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4451% | 2,186 |
| Cost of funding earning assets | 2.2766% | 1,575 |
| Net interest margin | 3.1685% | 2,750 |
| Noninterest income to average assets | 0.5200% | 1,809 |
| Noninterest expense to average assets | 2.6061% | 1,941 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 0.6934% | 2,993 |
| Return on assets (ROA) | 0.7102% | 2,984 |
| Pretax return on assets | 0.8011% | 3,037 |
| Return on Equity (ROE) | 6.5600% | 3,168 |
| Retained earnings to average equity (ytd only) | 5.5745% | 2,253 |
| Net charge-offs to loans | -0.0479% | 4,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 75.2195% | 1,461 |
| Assets per employee ($millions) | 6.1155% | 2,777 |
| Cash dividends to net income (ytd only)* | 14.9893% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 1,110 |
| Loan loss allowance to noncurrent loans | 117.4219% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.8805% | 775 |
| Noncurrent loans to loans | 1.2589% | 797 |
| Net loans and leases to total assets | 62.2800% | 2,704 |
| Net loans and leases to deposits | 70.8105% | 2,918 |
| Net loans and leases to core deposits | 78.4345% | 2,921 |
| Total domestic deposits to total assets | 87.9600% | 1,255 |
| Equity capital to assets | 10.9495% | 1,759 |
| Core capital (leverage) ratio | 11.3515% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5015% | 857 |
| Memoranda: | ||
| Average total assets | $438,394,000 | 1,933 |
| Average earning assets | $407,207,000 | 1,920 |
| Average equity | $47,477,000 | 1,770 |
| Average total loans | $272,893,500 | 1,954 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4317% | 2,093 |
| Cost of funding earning assets | 2.2113% | 1,623 |
| Net interest margin | 3.2204% | 2,600 |
| Noninterest income to average assets | 0.5300% | 1,732 |
| Noninterest expense to average assets | 2.6517% | 1,806 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.7529% | 2,780 |
| Return on assets (ROA) | 0.7661% | 2,755 |
| Pretax return on assets | 0.8772% | 2,814 |
| Return on Equity (ROE) | 7.1000% | 2,970 |
| Retained earnings to average equity (ytd only) | 7.1008% | 1,623 |
| Net charge-offs to loans | -0.0156% | 4,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 75.3194% | 1,520 |
| Assets per employee ($millions) | 5.8104% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 1,326 |
| Loan loss allowance to noncurrent loans | 110.7542% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.7794% | 844 |
| Noncurrent loans to loans | 1.2762% | 706 |
| Net loans and leases to total assets | 60.2100% | 2,931 |
| Net loans and leases to deposits | 68.1887% | 3,113 |
| Net loans and leases to core deposits | 75.2599% | 3,089 |
| Total domestic deposits to total assets | 88.2900% | 1,222 |
| Equity capital to assets | 10.6702% | 1,714 |
| Core capital (leverage) ratio | 11.3663% | 1,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6617% | 829 |
| Memoranda: | ||
| Average total assets | $435,714,333 | 1,943 |
| Average earning assets | $404,111,000 | 1,928 |
| Average equity | $47,008,667 | 1,759 |
| Average total loans | $269,782,333 | 1,967 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3017% | 2,188 |
| Cost of funding earning assets | 2.1255% | 1,718 |
| Net interest margin | 3.1762% | 2,619 |
| Noninterest income to average assets | 0.5300% | 1,631 |
| Noninterest expense to average assets | 2.6957% | 1,688 |
| Loan and lease loss provision to assets | -0.0100% | 4,190 |
| Net operating income to assets | 0.7175% | 2,782 |
| Return on assets (ROA) | 0.7184% | 2,799 |
| Pretax return on assets | 0.7891% | 2,955 |
| Return on Equity (ROE) | 6.6200% | 3,048 |
| Retained earnings to average equity (ytd only) | 6.6204% | 1,941 |
| Net charge-offs to loans | -0.1224% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 77.5221% | 1,402 |
| Assets per employee ($millions) | 5.8298% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 1,235 |
| Loan loss allowance to noncurrent loans | 104.6499% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.8460% | 698 |
| Noncurrent loans to loans | 1.3802% | 592 |
| Net loans and leases to total assets | 60.4100% | 2,814 |
| Net loans and leases to deposits | 68.4638% | 3,012 |
| Net loans and leases to core deposits | 74.8586% | 3,059 |
| Total domestic deposits to total assets | 88.2400% | 1,338 |
| Equity capital to assets | 10.7281% | 1,620 |
| Core capital (leverage) ratio | 11.2929% | 1,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5864% | 847 |
| Memoranda: | ||
| Average total assets | $429,869,500 | 1,957 |
| Average earning assets | $398,968,500 | 1,949 |
| Average equity | $46,643,500 | 1,757 |
| Average total loans | $268,060,000 | 1,972 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1100% | 1,838 |
| Cost of funding earning assets | 1.6060% | 1,674 |
| Net interest margin | 3.5040% | 2,170 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.5898% | 2,032 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.9684% | 2,313 |
| Return on assets (ROA) | 0.9751% | 2,280 |
| Pretax return on assets | 1.1477% | 2,267 |
| Return on Equity (ROE) | 9.3700% | 2,670 |
| Retained earnings to average equity (ytd only) | 8.5691% | 1,374 |
| Net charge-offs to loans | 0.3058% | 353 |
| Credit loss provision to net charge-offs | 41.7284% | 2,228 |
| Earnings coverage of net charge-offs (x) | 6.3123% | 2,478 |
| Efficiency ratio | 67.9094% | 2,121 |
| Assets per employee ($millions) | 5.6334% | 3,124 |
| Cash dividends to net income (ytd only)* | 8.5911% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 1,342 |
| Loan loss allowance to noncurrent loans | 167.1076% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 1,040 |
| Noncurrent loans to loans | 0.8459% | 907 |
| Net loans and leases to total assets | 62.5600% | 2,617 |
| Net loans and leases to deposits | 71.0253% | 2,813 |
| Net loans and leases to core deposits | 77.3852% | 2,887 |
| Total domestic deposits to total assets | 88.0800% | 1,326 |
| Equity capital to assets | 10.9774% | 1,490 |
| Core capital (leverage) ratio | 11.8218% | 1,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2113% | 878 |
| Memoranda: | ||
| Average total assets | $417,785,600 | 1,961 |
| Average earning assets | $385,733,000 | 1,964 |
| Average equity | $43,458,600 | 1,775 |
| Average total loans | $264,902,800 | 1,936 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0496% | 1,733 |
| Cost of funding earning assets | 1.5179% | 1,557 |
| Net interest margin | 3.5317% | 2,144 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.6134% | 1,907 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.9535% | 2,506 |
| Return on assets (ROA) | 0.9576% | 2,480 |
| Pretax return on assets | 1.1221% | 2,499 |
| Return on Equity (ROE) | 9.3400% | 2,841 |
| Retained earnings to average equity (ytd only) | 9.3363% | 1,595 |
| Net charge-offs to loans | 0.3660% | 239 |
| Credit loss provision to net charge-offs | 48.2759% | 1,902 |
| Earnings coverage of net charge-offs (x) | 5.2979% | 2,352 |
| Efficiency ratio | 68.0103% | 2,016 |
| Assets per employee ($millions) | 5.4944% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 1,356 |
| Loan loss allowance to noncurrent loans | 158.7418% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 979 |
| Noncurrent loans to loans | 0.8968% | 919 |
| Net loans and leases to total assets | 66.1800% | 2,223 |
| Net loans and leases to deposits | 74.6405% | 2,515 |
| Net loans and leases to core deposits | 81.2724% | 2,514 |
| Total domestic deposits to total assets | 88.6600% | 1,355 |
| Equity capital to assets | 10.3396% | 1,622 |
| Core capital (leverage) ratio | 11.4936% | 1,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6649% | 993 |
| Memoranda: | ||
| Average total assets | $416,606,250 | 1,965 |
| Average earning assets | $384,473,250 | 1,969 |
| Average equity | $42,728,250 | 1,784 |
| Average total loans | $264,099,250 | 1,941 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8969% | 1,769 |
| Cost of funding earning assets | 1.4113% | 1,415 |
| Net interest margin | 3.4856% | 2,295 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.5779% | 1,984 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 0.9315% | 2,645 |
| Return on assets (ROA) | 0.9377% | 2,609 |
| Pretax return on assets | 1.0825% | 2,685 |
| Return on Equity (ROE) | 9.1700% | 2,937 |
| Retained earnings to average equity (ytd only) | 9.1671% | 1,640 |
| Net charge-offs to loans | 0.5598% | 147 |
| Credit loss provision to net charge-offs | 47.8796% | 1,683 |
| Earnings coverage of net charge-offs (x) | 3.5677% | 2,257 |
| Efficiency ratio | 67.4854% | 2,049 |
| Assets per employee ($millions) | 5.5516% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 1,393 |
| Loan loss allowance to noncurrent loans | 399.1516% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 2,037 |
| Noncurrent loans to loans | 0.3603% | 1,843 |
| Net loans and leases to total assets | 62.7800% | 2,501 |
| Net loans and leases to deposits | 72.7409% | 2,594 |
| Net loans and leases to core deposits | 78.9094% | 2,548 |
| Total domestic deposits to total assets | 86.3100% | 2,145 |
| Equity capital to assets | 10.6492% | 1,527 |
| Core capital (leverage) ratio | 11.2203% | 1,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9768% | 962 |
| Memoranda: | ||
| Average total assets | $419,947,000 | 1,953 |
| Average earning assets | $388,165,667 | 1,952 |
| Average equity | $42,958,000 | 1,785 |
| Average total loans | $261,147,000 | 1,950 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7098% | 1,822 |
| Cost of funding earning assets | 1.2110% | 1,427 |
| Net interest margin | 3.4987% | 2,368 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.5818% | 2,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9973% | 2,536 |
| Return on assets (ROA) | 1.0044% | 2,479 |
| Pretax return on assets | 1.1957% | 2,432 |
| Return on Equity (ROE) | 10.0200% | 2,778 |
| Retained earnings to average equity (ytd only) | 10.0182% | 1,692 |
| Net charge-offs to loans | -0.0169% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.5000% | 1,917 |
| Assets per employee ($millions) | 5.4929% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5792% | 1,051 |
| Loan loss allowance to noncurrent loans | 437.0137% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 2,020 |
| Noncurrent loans to loans | 0.3614% | 1,850 |
| Net loans and leases to total assets | 60.4500% | 2,599 |
| Net loans and leases to deposits | 71.7871% | 2,484 |
| Net loans and leases to core deposits | 77.1051% | 2,451 |
| Total domestic deposits to total assets | 84.2100% | 3,053 |
| Equity capital to assets | 10.1494% | 1,744 |
| Core capital (leverage) ratio | 10.8485% | 1,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4806% | 1,071 |
| Memoranda: | ||
| Average total assets | $424,511,000 | 1,958 |
| Average earning assets | $393,056,000 | 1,957 |
| Average equity | $42,562,500 | 1,816 |
| Average total loans | $260,872,500 | 1,967 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8937% | 2,000 |
| Cost of funding earning assets | 0.3405% | 2,553 |
| Net interest margin | 3.5532% | 1,774 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.5487% | 1,972 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1131% | 2,115 |
| Return on assets (ROA) | 1.1069% | 2,080 |
| Pretax return on assets | 1.3517% | 1,931 |
| Return on Equity (ROE) | 11.0200% | 2,470 |
| Retained earnings to average equity (ytd only) | 10.1723% | 1,102 |
| Net charge-offs to loans | -0.1467% | 4,592 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.2147% | 2,335 |
| Assets per employee ($millions) | 5.6834% | 3,045 |
| Cash dividends to net income (ytd only)* | 7.7008% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 974 |
| Loan loss allowance to noncurrent loans | 417.4220% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2468% | 1,919 |
| Noncurrent loans to loans | 0.3840% | 1,767 |
| Net loans and leases to total assets | 60.5000% | 2,597 |
| Net loans and leases to deposits | 72.2239% | 2,389 |
| Net loans and leases to core deposits | 75.5728% | 2,458 |
| Total domestic deposits to total assets | 83.7600% | 3,262 |
| Equity capital to assets | 9.9007% | 1,756 |
| Core capital (leverage) ratio | 10.9295% | 1,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2406% | 1,093 |
| Memoranda: | ||
| Average total assets | $410,599,200 | 1,984 |
| Average earning assets | $381,179,200 | 1,984 |
| Average equity | $41,239,600 | 1,880 |
| Average total loans | $239,877,600 | 2,001 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6708% | 2,123 |
| Cost of funding earning assets | 0.2359% | 2,862 |
| Net interest margin | 3.4349% | 1,852 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.5509% | 1,860 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0136% | 2,430 |
| Return on assets (ROA) | 1.0076% | 2,421 |
| Pretax return on assets | 1.2549% | 2,192 |
| Return on Equity (ROE) | 10.0000% | 2,721 |
| Retained earnings to average equity (ytd only) | 9.9950% | 1,341 |
| Net charge-offs to loans | -0.1871% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.8894% | 2,167 |
| Assets per employee ($millions) | 5.4767% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 1,043 |
| Loan loss allowance to noncurrent loans | 379.6501% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 1,863 |
| Noncurrent loans to loans | 0.4241% | 1,752 |
| Net loans and leases to total assets | 60.5300% | 2,445 |
| Net loans and leases to deposits | 72.0331% | 2,200 |
| Net loans and leases to core deposits | 74.7808% | 2,292 |
| Total domestic deposits to total assets | 84.0300% | 3,501 |
| Equity capital to assets | 9.4936% | 1,890 |
| Core capital (leverage) ratio | 10.8070% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0017% | 1,172 |
| Memoranda: | ||
| Average total assets | $408,105,250 | 2,015 |
| Average earning assets | $379,238,250 | 2,009 |
| Average equity | $41,139,500 | 1,911 |
| Average total loans | $235,203,000 | 2,029 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4557% | 2,277 |
| Cost of funding earning assets | 0.2211% | 2,637 |
| Net interest margin | 3.2346% | 2,092 |
| Noninterest income to average assets | 0.6443% | 1,569 |
| Noninterest expense to average assets | 2.5126% | 1,892 |
| Loan and lease loss provision to assets | 0.0005% | 2,593 |
| Net operating income to assets | 0.9020% | 2,572 |
| Return on assets (ROA) | 0.8895% | 2,599 |
| Pretax return on assets | 1.1253% | 2,321 |
| Return on Equity (ROE) | 8.6514% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.6514% | 1,385 |
| Net charge-offs to loans | -0.1568% | 4,545 |
| Credit loss provision to net charge-offs | -0.5587% | 2,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7593% | 2,134 |
| Assets per employee ($millions) | 5.1263% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 1,113 |
| Loan loss allowance to noncurrent loans | 253.9003% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.4057% | 1,388 |
| Noncurrent loans to loans | 0.6356% | 1,339 |
| Net loans and leases to total assets | 60.5434% | 2,270 |
| Net loans and leases to deposits | 69.7590% | 2,232 |
| Net loans and leases to core deposits | 72.2361% | 2,313 |
| Total domestic deposits to total assets | 86.7894% | 3,013 |
| Equity capital to assets | 10.1873% | 1,593 |
| Core capital (leverage) ratio | 10.3406% | 2,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0140% | 1,186 |
| Memoranda: | ||
| Average total assets | $405,397,667 | 2,035 |
| Average earning assets | $377,235,667 | 2,034 |
| Average equity | $41,681,000 | 1,934 |
| Average total loans | $228,251,333 | 2,062 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1324% | 2,871 |
| Cost of funding earning assets | 0.2229% | 2,486 |
| Net interest margin | 2.9095% | 2,804 |
| Noninterest income to average assets | 0.6468% | 1,506 |
| Noninterest expense to average assets | 2.5058% | 1,869 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6925% | 3,088 |
| Return on assets (ROA) | 0.6742% | 3,131 |
| Pretax return on assets | 0.8300% | 3,013 |
| Return on Equity (ROE) | 6.5284% | 3,187 |
| Retained earnings to average equity (ytd only) | 6.5284% | 2,066 |
| Net charge-offs to loans | -0.1149% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6134% | 1,671 |
| Assets per employee ($millions) | 5.3122% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7288% | 1,004 |
| Loan loss allowance to noncurrent loans | 493.4699% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 2,418 |
| Noncurrent loans to loans | 0.3503% | 2,230 |
| Net loans and leases to total assets | 52.8712% | 2,896 |
| Net loans and leases to deposits | 61.7178% | 2,737 |
| Net loans and leases to core deposits | 64.0538% | 2,790 |
| Total domestic deposits to total assets | 85.6661% | 3,356 |
| Equity capital to assets | 9.9647% | 1,918 |
| Core capital (leverage) ratio | 10.0675% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6158% | 1,121 |
| Memoranda: | ||
| Average total assets | $408,170,500 | 2,027 |
| Average earning assets | $380,410,500 | 2,028 |
| Average equity | $42,154,500 | 1,974 |
| Average total loans | $219,349,500 | 2,099 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4050% | 2,919 |
| Cost of funding earning assets | 0.3115% | 2,280 |
| Net interest margin | 3.0935% | 2,924 |
| Noninterest income to average assets | 1.0857% | 874 |
| Noninterest expense to average assets | 2.6849% | 1,671 |
| Loan and lease loss provision to assets | 0.0375% | 2,293 |
| Net operating income to assets | 1.0479% | 2,486 |
| Return on assets (ROA) | 1.0534% | 2,545 |
| Pretax return on assets | 1.2353% | 2,567 |
| Return on Equity (ROE) | 9.8536% | 2,579 |
| Retained earnings to average equity (ytd only) | 5.5266% | 2,551 |
| Net charge-offs to loans | -0.0936% | 4,566 |
| Credit loss provision to net charge-offs | -74.8718% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9501% | 1,992 |
| Assets per employee ($millions) | 5.2893% | 3,490 |
| Cash dividends to net income (ytd only)* | 43.9131% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7569% | 933 |
| Loan loss allowance to noncurrent loans | 186.7488% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 1,289 |
| Noncurrent loans to loans | 0.9408% | 1,080 |
| Net loans and leases to total assets | 52.7330% | 2,982 |
| Net loans and leases to deposits | 62.2293% | 2,860 |
| Net loans and leases to core deposits | 64.9458% | 2,905 |
| Total domestic deposits to total assets | 84.7399% | 3,347 |
| Equity capital to assets | 10.7018% | 2,010 |
| Core capital (leverage) ratio | 10.2567% | 2,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7691% | 1,104 |
| Memoranda: | ||
| Average total assets | $389,132,600 | 2,027 |
| Average earning assets | $360,467,800 | 2,040 |
| Average equity | $41,599,000 | 2,025 |
| Average total loans | $208,444,000 | 2,184 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4244% | 3,031 |
| Cost of funding earning assets | 0.3324% | 2,273 |
| Net interest margin | 3.0920% | 3,072 |
| Noninterest income to average assets | 1.1318% | 889 |
| Noninterest expense to average assets | 2.6983% | 1,592 |
| Loan and lease loss provision to assets | -0.0013% | 4,286 |
| Net operating income to assets | 1.0961% | 2,569 |
| Return on assets (ROA) | 1.1014% | 2,607 |
| Pretax return on assets | 1.3011% | 2,620 |
| Return on Equity (ROE) | 10.3060% | 2,624 |
| Retained earnings to average equity (ytd only) | 4.4870% | 3,410 |
| Net charge-offs to loans | -0.1078% | 4,641 |
| Credit loss provision to net charge-offs | 2.3952% | 2,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5956% | 1,887 |
| Assets per employee ($millions) | 5.3460% | 3,357 |
| Cash dividends to net income (ytd only)* | 56.4617% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7155% | 1,084 |
| Loan loss allowance to noncurrent loans | 185.6629% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 1,508 |
| Noncurrent loans to loans | 0.9240% | 1,241 |
| Net loans and leases to total assets | 52.3249% | 3,170 |
| Net loans and leases to deposits | 61.7737% | 3,063 |
| Net loans and leases to core deposits | 64.3133% | 3,107 |
| Total domestic deposits to total assets | 84.7042% | 3,216 |
| Equity capital to assets | 10.7119% | 2,251 |
| Core capital (leverage) ratio | 10.2928% | 2,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3713% | 1,070 |
| Memoranda: | ||
| Average total assets | $385,918,500 | 2,064 |
| Average earning assets | $356,957,000 | 2,069 |
| Average equity | $41,243,750 | 2,067 |
| Average total loans | $206,612,000 | 2,225 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4115% | 3,145 |
| Cost of funding earning assets | 0.3618% | 2,211 |
| Net interest margin | 3.0496% | 3,179 |
| Noninterest income to average assets | 1.2475% | 751 |
| Noninterest expense to average assets | 2.7234% | 1,529 |
| Loan and lease loss provision to assets | -0.0052% | 4,396 |
| Net operating income to assets | 1.1487% | 2,375 |
| Return on assets (ROA) | 1.1545% | 2,409 |
| Pretax return on assets | 1.3551% | 2,456 |
| Return on Equity (ROE) | 10.8109% | 2,495 |
| Retained earnings to average equity (ytd only) | 2.0017% | 4,111 |
| Net charge-offs to loans | -0.0740% | 4,522 |
| Credit loss provision to net charge-offs | 13.1579% | 1,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9708% | 2,020 |
| Assets per employee ($millions) | 5.3498% | 3,288 |
| Cash dividends to net income (ytd only)* | 81.4848% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7407% | 986 |
| Loan loss allowance to noncurrent loans | 139.0514% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 1,232 |
| Noncurrent loans to loans | 1.2518% | 951 |
| Net loans and leases to total assets | 51.5567% | 3,389 |
| Net loans and leases to deposits | 61.0589% | 3,296 |
| Net loans and leases to core deposits | 63.5868% | 3,324 |
| Total domestic deposits to total assets | 84.4376% | 3,298 |
| Equity capital to assets | 10.8094% | 2,141 |
| Core capital (leverage) ratio | 10.0487% | 2,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5818% | 1,018 |
| Memoranda: | ||
| Average total assets | $382,689,667 | 2,071 |
| Average earning assets | $353,749,333 | 2,078 |
| Average equity | $40,866,000 | 2,068 |
| Average total loans | $205,278,333 | 2,239 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6063% | 2,621 |
| Cost of funding earning assets | 0.4088% | 2,021 |
| Net interest margin | 3.1976% | 2,706 |
| Noninterest income to average assets | 1.1577% | 906 |
| Noninterest expense to average assets | 2.9383% | 1,093 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0074% | 2,787 |
| Return on assets (ROA) | 1.0182% | 2,839 |
| Pretax return on assets | 1.1850% | 2,885 |
| Return on Equity (ROE) | 9.5946% | 2,823 |
| Retained earnings to average equity (ytd only) | -8.1915% | 4,787 |
| Net charge-offs to loans | -0.0367% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4796% | 1,546 |
| Assets per employee ($millions) | 5.0116% | 3,644 |
| Cash dividends to net income (ytd only)* | 185.3759% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6736% | 1,108 |
| Loan loss allowance to noncurrent loans | 148.0580% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.6569% | 1,445 |
| Noncurrent loans to loans | 1.1303% | 1,187 |
| Net loans and leases to total assets | 52.1386% | 3,434 |
| Net loans and leases to deposits | 61.3029% | 3,386 |
| Net loans and leases to core deposits | 63.8403% | 3,430 |
| Total domestic deposits to total assets | 85.0508% | 3,071 |
| Equity capital to assets | 10.3064% | 2,430 |
| Core capital (leverage) ratio | 10.0812% | 2,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5919% | 1,145 |
| Memoranda: | ||
| Average total assets | $381,442,500 | 2,057 |
| Average earning assets | $352,269,500 | 2,068 |
| Average equity | $40,481,000 | 2,069 |
| Average total loans | $206,864,500 | 2,230 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8050% | 3,285 |
| Cost of funding earning assets | 0.7652% | 1,370 |
| Net interest margin | 3.0398% | 3,789 |
| Noninterest income to average assets | 2.0374% | 322 |
| Noninterest expense to average assets | 2.9105% | 1,656 |
| Loan and lease loss provision to assets | 0.2943% | 1,283 |
| Net operating income to assets | 1.3685% | 1,088 |
| Return on assets (ROA) | 1.3713% | 1,175 |
| Pretax return on assets | 1.6195% | 1,032 |
| Return on Equity (ROE) | 12.4555% | 1,192 |
| Retained earnings to average equity (ytd only) | 11.6512% | 360 |
| Net charge-offs to loans | 0.0324% | 2,389 |
| Credit loss provision to net charge-offs | 1,533.8462% | 541 |
| Earnings coverage of net charge-offs (x) | 99.5846% | 787 |
| Efficiency ratio | 60.3710% | 3,401 |
| Assets per employee ($millions) | 4.9597% | 3,432 |
| Cash dividends to net income (ytd only)* | 6.4572% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6716% | 1,103 |
| Loan loss allowance to noncurrent loans | 139.6036% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.7310% | 1,416 |
| Noncurrent loans to loans | 1.1974% | 1,173 |
| Net loans and leases to total assets | 54.5719% | 3,437 |
| Net loans and leases to deposits | 67.3464% | 3,148 |
| Net loans and leases to core deposits | 70.9214% | 3,180 |
| Total domestic deposits to total assets | 81.0316% | 3,865 |
| Equity capital to assets | 10.9344% | 2,314 |
| Core capital (leverage) ratio | 10.7503% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8064% | 929 |
| Memoranda: | ||
| Average total assets | $338,806,000 | 2,102 |
| Average earning assets | $310,253,200 | 2,115 |
| Average equity | $37,300,800 | 2,117 |
| Average total loans | $200,366,600 | 2,234 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9031% | 3,243 |
| Cost of funding earning assets | 0.8313% | 1,350 |
| Net interest margin | 3.0717% | 3,806 |
| Noninterest income to average assets | 2.0186% | 315 |
| Noninterest expense to average assets | 3.0836% | 1,262 |
| Loan and lease loss provision to assets | 0.3473% | 1,095 |
| Net operating income to assets | 1.1921% | 1,662 |
| Return on assets (ROA) | 1.1945% | 1,779 |
| Pretax return on assets | 1.4002% | 1,729 |
| Return on Equity (ROE) | 10.8288% | 1,738 |
| Retained earnings to average equity (ytd only) | 9.7316% | 823 |
| Net charge-offs to loans | 0.0463% | 1,953 |
| Credit loss provision to net charge-offs | 1,247.8261% | 717 |
| Earnings coverage of net charge-offs (x) | 62.6812% | 1,069 |
| Efficiency ratio | 63.8650% | 2,759 |
| Assets per employee ($millions) | 4.7583% | 3,528 |
| Cash dividends to net income (ytd only)* | 10.1317% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6027% | 1,094 |
| Loan loss allowance to noncurrent loans | 119.7902% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.2172% | 812 |
| Noncurrent loans to loans | 1.3379% | 1,102 |
| Net loans and leases to total assets | 57.7318% | 3,444 |
| Net loans and leases to deposits | 71.5654% | 3,176 |
| Net loans and leases to core deposits | 75.6154% | 3,202 |
| Total domestic deposits to total assets | 80.6700% | 3,736 |
| Equity capital to assets | 10.9328% | 2,440 |
| Core capital (leverage) ratio | 10.7706% | 2,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5375% | 966 |
| Memoranda: | ||
| Average total assets | $330,512,250 | 2,116 |
| Average earning assets | $302,317,750 | 2,136 |
| Average equity | $36,457,500 | 2,144 |
| Average total loans | $198,846,250 | 2,246 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0573% | 3,170 |
| Cost of funding earning assets | 0.9172% | 1,290 |
| Net interest margin | 3.1401% | 3,809 |
| Noninterest income to average assets | 1.6582% | 382 |
| Noninterest expense to average assets | 3.0535% | 1,451 |
| Loan and lease loss provision to assets | 0.4064% | 990 |
| Net operating income to assets | 0.8910% | 2,722 |
| Return on assets (ROA) | 0.8931% | 2,833 |
| Pretax return on assets | 1.0657% | 2,816 |
| Return on Equity (ROE) | 8.0606% | 2,723 |
| Retained earnings to average equity (ytd only) | 8.0606% | 1,282 |
| Net charge-offs to loans | 0.0958% | 1,308 |
| Credit loss provision to net charge-offs | 698.9362% | 1,007 |
| Earnings coverage of net charge-offs (x) | 25.2766% | 1,558 |
| Efficiency ratio | 67.5099% | 2,303 |
| Assets per employee ($millions) | 4.4484% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 1,278 |
| Loan loss allowance to noncurrent loans | 210.8071% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.9737% | 1,238 |
| Noncurrent loans to loans | 0.7095% | 2,106 |
| Net loans and leases to total assets | 59.2605% | 3,404 |
| Net loans and leases to deposits | 74.3671% | 3,040 |
| Net loans and leases to core deposits | 78.8859% | 3,035 |
| Total domestic deposits to total assets | 79.6864% | 3,900 |
| Equity capital to assets | 10.7700% | 2,514 |
| Core capital (leverage) ratio | 10.7417% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0082% | 1,056 |
| Memoranda: | ||
| Average total assets | $323,361,667 | 2,129 |
| Average earning assets | $295,026,333 | 2,155 |
| Average equity | $35,828,667 | 2,169 |
| Average total loans | $196,263,667 | 2,246 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 3,082 |
| Cost of funding earning assets | 1.0261% | 1,310 |
| Net interest margin | 3.2184% | 3,811 |
| Noninterest income to average assets | 1.3041% | 528 |
| Noninterest expense to average assets | 3.0301% | 1,811 |
| Loan and lease loss provision to assets | 0.1593% | 1,815 |
| Net operating income to assets | 0.8222% | 2,826 |
| Return on assets (ROA) | 0.8222% | 2,911 |
| Pretax return on assets | 1.0453% | 2,683 |
| Return on Equity (ROE) | 7.3092% | 2,827 |
| Retained earnings to average equity (ytd only) | 7.3092% | 1,442 |
| Net charge-offs to loans | 0.1630% | 807 |
| Credit loss provision to net charge-offs | 160.2564% | 1,552 |
| Earnings coverage of net charge-offs (x) | 12.1154% | 1,704 |
| Efficiency ratio | 71.5533% | 2,154 |
| Assets per employee ($millions) | 4.1990% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 1,879 |
| Loan loss allowance to noncurrent loans | 227.6841% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.9215% | 1,445 |
| Noncurrent loans to loans | 0.5958% | 2,509 |
| Net loans and leases to total assets | 59.2445% | 3,571 |
| Net loans and leases to deposits | 75.5070% | 3,118 |
| Net loans and leases to core deposits | 80.3647% | 3,165 |
| Total domestic deposits to total assets | 78.4623% | 4,143 |
| Equity capital to assets | 11.2950% | 2,597 |
| Core capital (leverage) ratio | 10.9991% | 2,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5893% | 1,053 |
| Memoranda: | ||
| Average total assets | $313,780,000 | 2,137 |
| Average earning assets | $285,734,000 | 2,160 |
| Average equity | $35,298,000 | 2,185 |
| Average total loans | $191,363,500 | 2,247 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5362% | 2,821 |
| Cost of funding earning assets | 1.0437% | 1,540 |
| Net interest margin | 3.4925% | 3,470 |
| Noninterest income to average assets | 1.0778% | 819 |
| Noninterest expense to average assets | 2.9585% | 2,126 |
| Loan and lease loss provision to assets | 0.0502% | 3,020 |
| Net operating income to assets | 1.0855% | 2,499 |
| Return on assets (ROA) | 1.0829% | 2,605 |
| Pretax return on assets | 1.2274% | 2,739 |
| Return on Equity (ROE) | 9.8092% | 2,387 |
| Retained earnings to average equity (ytd only) | 9.8092% | 531 |
| Net charge-offs to loans | 0.0268% | 2,860 |
| Credit loss provision to net charge-offs | 294.1176% | 956 |
| Earnings coverage of net charge-offs (x) | 75.0588% | 838 |
| Efficiency ratio | 69.7917% | 2,199 |
| Assets per employee ($millions) | 4.1136% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 1,917 |
| Loan loss allowance to noncurrent loans | 195.1938% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.9932% | 1,255 |
| Noncurrent loans to loans | 0.6664% | 2,220 |
| Net loans and leases to total assets | 61.1151% | 3,490 |
| Net loans and leases to deposits | 77.8838% | 3,021 |
| Net loans and leases to core deposits | 83.6838% | 2,980 |
| Total domestic deposits to total assets | 78.4696% | 4,284 |
| Equity capital to assets | 11.2032% | 2,814 |
| Core capital (leverage) ratio | 11.1290% | 2,390 |
| Tier 1 risk-based capital ratio | 16.9381% | 2,069 |
| Total risk-based capital ratio | 18.1883% | 2,017 |
| Memoranda: | ||
| Average total assets | $298,932,600 | 2,165 |
| Average earning assets | $270,576,400 | 2,204 |
| Average equity | $32,999,800 | 2,237 |
| Average total loans | $190,171,200 | 2,232 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5651% | 2,846 |
| Cost of funding earning assets | 1.0416% | 1,581 |
| Net interest margin | 3.5235% | 3,492 |
| Noninterest income to average assets | 1.0752% | 795 |
| Noninterest expense to average assets | 2.9548% | 2,094 |
| Loan and lease loss provision to assets | 0.0677% | 2,531 |
| Net operating income to assets | 1.0900% | 2,611 |
| Return on assets (ROA) | 1.0865% | 2,718 |
| Pretax return on assets | 1.2340% | 2,873 |
| Return on Equity (ROE) | 9.8807% | 2,484 |
| Retained earnings to average equity (ytd only) | 9.8807% | 782 |
| Net charge-offs to loans | 0.0739% | 1,764 |
| Credit loss provision to net charge-offs | 142.8571% | 1,697 |
| Earnings coverage of net charge-offs (x) | 27.5612% | 1,712 |
| Efficiency ratio | 69.3530% | 2,212 |
| Assets per employee ($millions) | 4.1776% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 2,125 |
| Loan loss allowance to noncurrent loans | 207.5821% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.9844% | 1,371 |
| Noncurrent loans to loans | 0.6114% | 2,452 |
| Net loans and leases to total assets | 62.8548% | 3,401 |
| Net loans and leases to deposits | 80.3717% | 2,863 |
| Net loans and leases to core deposits | 86.2816% | 2,885 |
| Total domestic deposits to total assets | 78.2050% | 4,309 |
| Equity capital to assets | 11.2708% | 2,859 |
| Core capital (leverage) ratio | 11.1254% | 2,535 |
| Tier 1 risk-based capital ratio | 16.8125% | 2,146 |
| Total risk-based capital ratio | 18.0606% | 2,098 |
| Memoranda: | ||
| Average total assets | $295,507,500 | 2,201 |
| Average earning assets | $267,149,500 | 2,245 |
| Average equity | $32,493,500 | 2,282 |
| Average total loans | $189,318,000 | 2,263 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 2,854 |
| Cost of funding earning assets | 1.0320% | 1,564 |
| Net interest margin | 3.5170% | 3,539 |
| Noninterest income to average assets | 1.0802% | 730 |
| Noninterest expense to average assets | 3.0607% | 1,836 |
| Loan and lease loss provision to assets | 0.0841% | 2,164 |
| Net operating income to assets | 0.9701% | 3,027 |
| Return on assets (ROA) | 0.9701% | 3,097 |
| Pretax return on assets | 1.1130% | 3,195 |
| Return on Equity (ROE) | 8.8994% | 2,896 |
| Retained earnings to average equity (ytd only) | 8.8994% | 1,059 |
| Net charge-offs to loans | 0.1279% | 1,176 |
| Credit loss provision to net charge-offs | 102.5000% | 1,929 |
| Earnings coverage of net charge-offs (x) | 14.5833% | 2,027 |
| Efficiency ratio | 71.8830% | 1,940 |
| Assets per employee ($millions) | 3.8990% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,281 |
| Loan loss allowance to noncurrent loans | 175.6345% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 1.0779% | 1,267 |
| Noncurrent loans to loans | 0.7093% | 2,208 |
| Net loans and leases to total assets | 64.7884% | 3,262 |
| Net loans and leases to deposits | 83.6494% | 2,529 |
| Net loans and leases to core deposits | 89.3638% | 2,650 |
| Total domestic deposits to total assets | 77.4523% | 4,491 |
| Equity capital to assets | 11.1372% | 2,916 |
| Core capital (leverage) ratio | 11.0106% | 2,591 |
| Tier 1 risk-based capital ratio | 16.5629% | 2,214 |
| Total risk-based capital ratio | 17.8087% | 2,170 |
| Memoranda: | ||
| Average total assets | $292,355,000 | 2,220 |
| Average earning assets | $264,147,670 | 2,277 |
| Average equity | $31,867,330 | 2,309 |
| Average total loans | $187,707,670 | 2,277 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5249% | 2,785 |
| Cost of funding earning assets | 1.0030% | 1,554 |
| Net interest margin | 3.5219% | 3,532 |
| Noninterest income to average assets | 1.0001% | 808 |
| Noninterest expense to average assets | 3.0402% | 1,875 |
| Loan and lease loss provision to assets | 0.0069% | 3,343 |
| Net operating income to assets | 0.9822% | 2,917 |
| Return on assets (ROA) | 0.9822% | 2,959 |
| Pretax return on assets | 1.1310% | 3,039 |
| Return on Equity (ROE) | 9.1118% | 2,763 |
| Retained earnings to average equity (ytd only) | 9.1118% | 1,287 |
| Net charge-offs to loans | 0.0043% | 2,556 |
| Credit loss provision to net charge-offs | 250.0000% | 918 |
| Earnings coverage of net charge-offs (x) | 413.0000% | 187 |
| Efficiency ratio | 72.7662% | 1,915 |
| Assets per employee ($millions) | 3.8512% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 2,048 |
| Loan loss allowance to noncurrent loans | 161.7490% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 1.1268% | 1,216 |
| Noncurrent loans to loans | 0.8093% | 2,017 |
| Net loans and leases to total assets | 62.4110% | 3,463 |
| Net loans and leases to deposits | 81.1657% | 2,710 |
| Net loans and leases to core deposits | 86.3737% | 2,841 |
| Total domestic deposits to total assets | 76.8932% | 4,663 |
| Equity capital to assets | 10.9639% | 2,890 |
| Core capital (leverage) ratio | 10.9891% | 2,583 |
| Tier 1 risk-based capital ratio | 17.3635% | 1,992 |
| Total risk-based capital ratio | 18.6143% | 1,936 |
| Memoranda: | ||
| Average total assets | $290,371,000 | 2,249 |
| Average earning assets | $262,018,000 | 2,302 |
| Average equity | $31,300,000 | 2,341 |
| Average total loans | $184,359,000 | 2,323 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4267% | 2,672 |
| Cost of funding earning assets | 0.8519% | 1,295 |
| Net interest margin | 3.5748% | 3,467 |
| Noninterest income to average assets | 1.0353% | 877 |
| Noninterest expense to average assets | 3.0540% | 1,911 |
| Loan and lease loss provision to assets | 0.0088% | 3,951 |
| Net operating income to assets | 0.9616% | 3,170 |
| Return on assets (ROA) | 0.9616% | 3,172 |
| Pretax return on assets | 1.1848% | 2,938 |
| Return on Equity (ROE) | 9.3594% | 2,810 |
| Retained earnings to average equity (ytd only) | 9.3594% | 766 |
| Net charge-offs to loans | 0.0569% | 2,331 |
| Credit loss provision to net charge-offs | 23.5849% | 3,386 |
| Earnings coverage of net charge-offs (x) | 32.0943% | 1,526 |
| Efficiency ratio | 71.9006% | 1,915 |
| Assets per employee ($millions) | 3.8926% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 1,960 |
| Loan loss allowance to noncurrent loans | 140.0695% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 1.3459% | 934 |
| Noncurrent loans to loans | 0.9405% | 1,712 |
| Net loans and leases to total assets | 62.9072% | 3,474 |
| Net loans and leases to deposits | 82.0564% | 2,722 |
| Net loans and leases to core deposits | 86.6894% | 2,866 |
| Total domestic deposits to total assets | 76.6633% | 4,681 |
| Equity capital to assets | 10.5918% | 3,089 |
| Core capital (leverage) ratio | 11.0014% | 2,526 |
| Tier 1 risk-based capital ratio | 17.2266% | 1,985 |
| Total risk-based capital ratio | 18.4777% | 1,936 |
| Memoranda: | ||
| Average total assets | $285,035,800 | 2,235 |
| Average earning assets | $256,126,200 | 2,293 |
| Average equity | $29,286,000 | 2,375 |
| Average total loans | $186,293,200 | 2,282 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3586% | 2,767 |
| Cost of funding earning assets | 0.8280% | 1,206 |
| Net interest margin | 3.5306% | 3,593 |
| Noninterest income to average assets | 1.0520% | 858 |
| Noninterest expense to average assets | 3.0851% | 1,798 |
| Loan and lease loss provision to assets | 0.0117% | 3,764 |
| Net operating income to assets | 0.9160% | 3,456 |
| Return on assets (ROA) | 0.9160% | 3,462 |
| Pretax return on assets | 1.1270% | 3,283 |
| Return on Equity (ROE) | 8.9853% | 3,099 |
| Retained earnings to average equity (ytd only) | 8.9853% | 1,224 |
| Net charge-offs to loans | 0.0171% | 2,825 |
| Credit loss provision to net charge-offs | 104.1667% | 2,196 |
| Earnings coverage of net charge-offs (x) | 101.1641% | 742 |
| Efficiency ratio | 73.0402% | 1,727 |
| Assets per employee ($millions) | 3.8179% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 1,962 |
| Loan loss allowance to noncurrent loans | 145.0435% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 1.3801% | 970 |
| Noncurrent loans to loans | 0.9172% | 1,866 |
| Net loans and leases to total assets | 65.6807% | 3,220 |
| Net loans and leases to deposits | 85.8178% | 2,389 |
| Net loans and leases to core deposits | 90.7381% | 2,593 |
| Total domestic deposits to total assets | 76.5350% | 4,722 |
| Equity capital to assets | 10.4448% | 3,195 |
| Core capital (leverage) ratio | 10.8211% | 2,770 |
| Tier 1 risk-based capital ratio | 16.2683% | 2,350 |
| Total risk-based capital ratio | 17.5196% | 2,289 |
| Memoranda: | ||
| Average total assets | $284,281,500 | 2,252 |
| Average earning assets | $255,396,250 | 2,309 |
| Average equity | $28,980,000 | 2,406 |
| Average total loans | $186,960,250 | 2,285 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2916% | 2,790 |
| Cost of funding earning assets | 0.8016% | 1,115 |
| Net interest margin | 3.4900% | 3,663 |
| Noninterest income to average assets | 1.0398% | 892 |
| Noninterest expense to average assets | 3.1060% | 1,771 |
| Loan and lease loss provision to assets | 0.0176% | 3,545 |
| Net operating income to assets | 0.8306% | 3,750 |
| Return on assets (ROA) | 0.8306% | 3,753 |
| Pretax return on assets | 1.0524% | 3,507 |
| Return on Equity (ROE) | 8.2142% | 3,412 |
| Retained earnings to average equity (ytd only) | 8.2142% | 1,533 |
| Net charge-offs to loans | 0.0311% | 2,233 |
| Credit loss provision to net charge-offs | 86.2069% | 2,202 |
| Earnings coverage of net charge-offs (x) | 52.5517% | 1,095 |
| Efficiency ratio | 74.3779% | 1,653 |
| Assets per employee ($millions) | 3.7230% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 1,970 |
| Loan loss allowance to noncurrent loans | 155.3827% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 1.3716% | 1,017 |
| Noncurrent loans to loans | 0.8655% | 1,994 |
| Net loans and leases to total assets | 63.8987% | 3,413 |
| Net loans and leases to deposits | 85.0358% | 2,426 |
| Net loans and leases to core deposits | 89.2259% | 2,629 |
| Total domestic deposits to total assets | 75.1433% | 4,942 |
| Equity capital to assets | 10.1894% | 3,448 |
| Core capital (leverage) ratio | 10.6582% | 2,857 |
| Tier 1 risk-based capital ratio | 15.8012% | 2,513 |
| Total risk-based capital ratio | 17.0520% | 2,455 |
| Memoranda: | ||
| Average total assets | $284,867,670 | 2,255 |
| Average earning assets | $255,990,670 | 2,311 |
| Average equity | $28,803,670 | 2,425 |
| Average total loans | $186,592,000 | 2,294 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2464% | 2,724 |
| Cost of funding earning assets | 0.7885% | 999 |
| Net interest margin | 3.4580% | 3,678 |
| Noninterest income to average assets | 0.9156% | 1,115 |
| Noninterest expense to average assets | 3.1750% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7184% | 4,036 |
| Return on assets (ROA) | 0.7184% | 4,047 |
| Pretax return on assets | 0.8480% | 4,022 |
| Return on Equity (ROE) | 7.1327% | 3,734 |
| Retained earnings to average equity (ytd only) | 7.1327% | 2,221 |
| Net charge-offs to loans | -0.0107% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9216% | 1,264 |
| Assets per employee ($millions) | 3.7581% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 2,153 |
| Loan loss allowance to noncurrent loans | 152.0631% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 1.4898% | 936 |
| Noncurrent loans to loans | 0.8678% | 2,085 |
| Net loans and leases to total assets | 65.6092% | 3,101 |
| Net loans and leases to deposits | 87.0885% | 2,043 |
| Net loans and leases to core deposits | 91.6844% | 2,325 |
| Total domestic deposits to total assets | 75.3362% | 5,037 |
| Equity capital to assets | 9.9766% | 3,620 |
| Core capital (leverage) ratio | 10.2753% | 3,215 |
| Tier 1 risk-based capital ratio | 15.5244% | 2,657 |
| Total risk-based capital ratio | 16.7744% | 2,593 |
| Memoranda: | ||
| Average total assets | $283,966,000 | 2,285 |
| Average earning assets | $255,178,500 | 2,330 |
| Average equity | $28,600,500 | 2,460 |
| Average total loans | $187,050,000 | 2,305 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1515% | 2,878 |
| Cost of funding earning assets | 0.7931% | 644 |
| Net interest margin | 3.3583% | 3,981 |
| Noninterest income to average assets | 1.1254% | 803 |
| Noninterest expense to average assets | 3.1184% | 1,807 |
| Loan and lease loss provision to assets | 0.0888% | 2,412 |
| Net operating income to assets | 0.6663% | 3,746 |
| Return on assets (ROA) | 0.6692% | 3,779 |
| Pretax return on assets | 0.9175% | 3,854 |
| Return on Equity (ROE) | 6.4278% | 3,567 |
| Retained earnings to average equity (ytd only) | -1.7906% | 5,264 |
| Net charge-offs to loans | 0.0510% | 2,777 |
| Credit loss provision to net charge-offs | 268.1319% | 1,041 |
| Earnings coverage of net charge-offs (x) | 30.2527% | 1,541 |
| Efficiency ratio | 75.6759% | 1,670 |
| Assets per employee ($millions) | 3.8151% | 4,263 |
| Cash dividends to net income (ytd only)* | 127.8564% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 1,943 |
| Loan loss allowance to noncurrent loans | 161.8123% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.4856% | 924 |
| Noncurrent loans to loans | 0.8387% | 2,123 |
| Net loans and leases to total assets | 64.3618% | 3,324 |
| Net loans and leases to deposits | 85.7838% | 2,287 |
| Net loans and leases to core deposits | 90.3258% | 2,534 |
| Total domestic deposits to total assets | 75.0279% | 5,091 |
| Equity capital to assets | 10.1681% | 3,525 |
| Core capital (leverage) ratio | 10.2231% | 3,159 |
| Tier 1 risk-based capital ratio | 15.7533% | 2,530 |
| Total risk-based capital ratio | 17.0050% | 2,473 |
| Memoranda: | ||
| Average total assets | $274,661,600 | 2,318 |
| Average earning assets | $244,974,400 | 2,382 |
| Average equity | $28,594,400 | 2,456 |
| Average total loans | $178,587,000 | 2,347 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1198% | 2,918 |
| Cost of funding earning assets | 0.7839% | 633 |
| Net interest margin | 3.3359% | 4,061 |
| Noninterest income to average assets | 1.1307% | 790 |
| Noninterest expense to average assets | 3.1579% | 1,658 |
| Loan and lease loss provision to assets | 0.1193% | 1,816 |
| Net operating income to assets | 0.7081% | 3,939 |
| Return on assets (ROA) | 0.7127% | 3,972 |
| Pretax return on assets | 0.8315% | 4,268 |
| Return on Equity (ROE) | 6.8050% | 3,766 |
| Retained earnings to average equity (ytd only) | -4.1633% | 5,524 |
| Net charge-offs to loans | 0.0482% | 2,471 |
| Credit loss provision to net charge-offs | 381.2500% | 806 |
| Earnings coverage of net charge-offs (x) | 30.2191% | 1,543 |
| Efficiency ratio | 76.9597% | 1,465 |
| Assets per employee ($millions) | 3.7574% | 4,360 |
| Cash dividends to net income (ytd only)* | 161.1801% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 1,996 |
| Loan loss allowance to noncurrent loans | 89.9004% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 2.0155% | 638 |
| Noncurrent loans to loans | 1.5299% | 1,218 |
| Net loans and leases to total assets | 65.1961% | 3,217 |
| Net loans and leases to deposits | 87.0503% | 2,180 |
| Net loans and leases to core deposits | 90.4698% | 2,566 |
| Total domestic deposits to total assets | 74.8947% | 5,138 |
| Equity capital to assets | 10.0094% | 3,902 |
| Core capital (leverage) ratio | 9.9923% | 3,574 |
| Tier 1 risk-based capital ratio | 15.3559% | 2,769 |
| Total risk-based capital ratio | 16.6101% | 2,713 |
| Memoranda: | ||
| Average total assets | $272,748,250 | 2,344 |
| Average earning assets | $243,049,000 | 2,416 |
| Average equity | $28,566,500 | 2,475 |
| Average total loans | $177,183,000 | 2,370 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0580% | 2,981 |
| Cost of funding earning assets | 0.7822% | 571 |
| Net interest margin | 3.2758% | 4,190 |
| Noninterest income to average assets | 1.1189% | 800 |
| Noninterest expense to average assets | 3.1788% | 1,628 |
| Loan and lease loss provision to assets | 0.1033% | 1,963 |
| Net operating income to assets | 0.6565% | 4,047 |
| Return on assets (ROA) | 0.6635% | 4,066 |
| Pretax return on assets | 0.7595% | 4,407 |
| Return on Equity (ROE) | 6.2405% | 3,940 |
| Retained earnings to average equity (ytd only) | 6.2405% | 1,997 |
| Net charge-offs to loans | 0.1360% | 1,345 |
| Credit loss provision to net charge-offs | 117.6471% | 1,808 |
| Earnings coverage of net charge-offs (x) | 9.7311% | 2,402 |
| Efficiency ratio | 78.8106% | 1,355 |
| Assets per employee ($millions) | 3.4470% | 4,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 2,369 |
| Loan loss allowance to noncurrent loans | 67.5121% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 2.3139% | 504 |
| Noncurrent loans to loans | 1.9387% | 888 |
| Net loans and leases to total assets | 65.5953% | 3,164 |
| Net loans and leases to deposits | 88.8911% | 1,877 |
| Net loans and leases to core deposits | 92.6656% | 2,285 |
| Total domestic deposits to total assets | 73.7929% | 5,311 |
| Equity capital to assets | 10.8717% | 2,948 |
| Core capital (leverage) ratio | 10.7873% | 2,615 |
| Tier 1 risk-based capital ratio | 16.5222% | 2,313 |
| Total risk-based capital ratio | 17.7758% | 2,260 |
| Memoranda: | ||
| Average total assets | $270,981,330 | 2,367 |
| Average earning assets | $241,101,670 | 2,438 |
| Average equity | $28,811,670 | 2,449 |
| Average total loans | $174,975,670 | 2,395 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9721% | 3,139 |
| Cost of funding earning assets | 0.7874% | 534 |
| Net interest margin | 3.1847% | 4,391 |
| Noninterest income to average assets | 1.0432% | 924 |
| Noninterest expense to average assets | 3.1563% | 1,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6200% | 4,061 |
| Return on assets (ROA) | 0.6289% | 4,074 |
| Pretax return on assets | 0.7280% | 4,351 |
| Return on Equity (ROE) | 5.9828% | 3,915 |
| Retained earnings to average equity (ytd only) | 5.9828% | 2,346 |
| Net charge-offs to loans | 0.0930% | 1,421 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 12.1250% | 1,855 |
| Efficiency ratio | 81.4744% | 1,209 |
| Assets per employee ($millions) | 3.3921% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 2,379 |
| Loan loss allowance to noncurrent loans | 57.6280% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 2.4992% | 457 |
| Noncurrent loans to loans | 2.3114% | 706 |
| Net loans and leases to total assets | 63.0007% | 3,401 |
| Net loans and leases to deposits | 85.9482% | 2,037 |
| Net loans and leases to core deposits | 89.7887% | 2,368 |
| Total domestic deposits to total assets | 73.3007% | 5,467 |
| Equity capital to assets | 10.5805% | 3,088 |
| Core capital (leverage) ratio | 10.5602% | 2,833 |
| Tier 1 risk-based capital ratio | 16.9788% | 2,187 |
| Total risk-based capital ratio | 18.2317% | 2,140 |
| Memoranda: | ||
| Average total assets | $270,316,000 | 2,395 |
| Average earning assets | $240,276,500 | 2,466 |
| Average equity | $28,415,000 | 2,485 |
| Average total loans | $171,967,000 | 2,441 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9855% | 3,247 |
| Cost of funding earning assets | 0.8125% | 468 |
| Net interest margin | 3.1729% | 4,527 |
| Noninterest income to average assets | 1.2021% | 789 |
| Noninterest expense to average assets | 3.2274% | 1,730 |
| Loan and lease loss provision to assets | 0.0008% | 4,324 |
| Net operating income to assets | 0.6636% | 3,934 |
| Return on assets (ROA) | 0.6732% | 4,012 |
| Pretax return on assets | 0.8128% | 4,154 |
| Return on Equity (ROE) | 6.3391% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.3391% | 1,532 |
| Net charge-offs to loans | 0.1252% | 1,992 |
| Credit loss provision to net charge-offs | 0.9479% | 3,780 |
| Earnings coverage of net charge-offs (x) | 10.1043% | 2,678 |
| Efficiency ratio | 80.0989% | 1,409 |
| Assets per employee ($millions) | 3.4521% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 2,189 |
| Loan loss allowance to noncurrent loans | 39.8777% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 3.1218% | 308 |
| Noncurrent loans to loans | 3.4501% | 353 |
| Net loans and leases to total assets | 62.5091% | 3,546 |
| Net loans and leases to deposits | 85.1715% | 2,282 |
| Net loans and leases to core deposits | 88.8557% | 2,599 |
| Total domestic deposits to total assets | 73.3920% | 5,482 |
| Equity capital to assets | 10.4425% | 3,219 |
| Core capital (leverage) ratio | 10.6010% | 2,770 |
| Tier 1 risk-based capital ratio | 16.9885% | 2,163 |
| Total risk-based capital ratio | 18.2436% | 2,113 |
| Memoranda: | ||
| Average total assets | $265,876,200 | 2,388 |
| Average earning assets | $236,910,200 | 2,458 |
| Average equity | $28,237,600 | 2,497 |
| Average total loans | $168,550,200 | 2,425 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 3,269 |
| Cost of funding earning assets | 0.8192% | 451 |
| Net interest margin | 3.1681% | 4,582 |
| Noninterest income to average assets | 1.2597% | 732 |
| Noninterest expense to average assets | 3.2383% | 1,709 |
| Loan and lease loss provision to assets | 0.0010% | 4,180 |
| Net operating income to assets | 0.6907% | 3,903 |
| Return on assets (ROA) | 0.6907% | 4,034 |
| Pretax return on assets | 0.8492% | 4,158 |
| Return on Equity (ROE) | 6.4761% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.4761% | 1,928 |
| Net charge-offs to loans | 0.0706% | 2,305 |
| Credit loss provision to net charge-offs | 2.2472% | 3,402 |
| Earnings coverage of net charge-offs (x) | 18.9894% | 1,964 |
| Efficiency ratio | 79.2051% | 1,530 |
| Assets per employee ($millions) | 3.4363% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 1,873 |
| Loan loss allowance to noncurrent loans | 51.2980% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 2.9555% | 395 |
| Noncurrent loans to loans | 2.8699% | 552 |
| Net loans and leases to total assets | 62.4760% | 3,594 |
| Net loans and leases to deposits | 86.1149% | 2,244 |
| Net loans and leases to core deposits | 89.9464% | 2,584 |
| Total domestic deposits to total assets | 72.5495% | 5,559 |
| Equity capital to assets | 10.9746% | 3,035 |
| Core capital (leverage) ratio | 10.5231% | 2,971 |
| Tier 1 risk-based capital ratio | 16.7041% | 2,333 |
| Total risk-based capital ratio | 17.9598% | 2,279 |
| Memoranda: | ||
| Average total assets | $265,029,000 | 2,401 |
| Average earning assets | $236,647,750 | 2,470 |
| Average equity | $28,267,500 | 2,517 |
| Average total loans | $168,022,000 | 2,438 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9653% | 3,368 |
| Cost of funding earning assets | 0.8285% | 419 |
| Net interest margin | 3.1367% | 4,736 |
| Noninterest income to average assets | 1.2075% | 774 |
| Noninterest expense to average assets | 3.1994% | 1,812 |
| Loan and lease loss provision to assets | 0.0015% | 4,002 |
| Net operating income to assets | 0.6765% | 3,919 |
| Return on assets (ROA) | 0.6765% | 4,056 |
| Pretax return on assets | 0.8078% | 4,254 |
| Return on Equity (ROE) | 6.4047% | 3,850 |
| Retained earnings to average equity (ytd only) | 6.4047% | 1,915 |
| Net charge-offs to loans | 0.2237% | 1,042 |
| Credit loss provision to net charge-offs | 1.0638% | 3,043 |
| Earnings coverage of net charge-offs (x) | 5.7074% | 2,829 |
| Efficiency ratio | 79.8119% | 1,516 |
| Assets per employee ($millions) | 3.2984% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 2,193 |
| Loan loss allowance to noncurrent loans | 47.3442% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 2.8089% | 448 |
| Noncurrent loans to loans | 3.0084% | 497 |
| Net loans and leases to total assets | 62.1871% | 3,604 |
| Net loans and leases to deposits | 85.7439% | 2,279 |
| Net loans and leases to core deposits | 89.5652% | 2,580 |
| Total domestic deposits to total assets | 72.5266% | 5,636 |
| Equity capital to assets | 10.9670% | 3,098 |
| Core capital (leverage) ratio | 10.4356% | 3,034 |
| Tier 1 risk-based capital ratio | 16.5108% | 2,421 |
| Total risk-based capital ratio | 17.7666% | 2,367 |
| Memoranda: | ||
| Average total assets | $265,174,330 | 2,425 |
| Average earning assets | $236,806,670 | 2,480 |
| Average equity | $28,010,670 | 2,533 |
| Average total loans | $168,103,670 | 2,436 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9569% | 3,372 |
| Cost of funding earning assets | 0.8319% | 419 |
| Net interest margin | 3.1250% | 4,799 |
| Noninterest income to average assets | 1.2399% | 707 |
| Noninterest expense to average assets | 3.2126% | 1,811 |
| Loan and lease loss provision to assets | -0.0060% | 5,878 |
| Net operating income to assets | 0.6711% | 3,874 |
| Return on assets (ROA) | 0.6711% | 3,991 |
| Pretax return on assets | 0.8201% | 4,133 |
| Return on Equity (ROE) | 6.4763% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.4763% | 2,149 |
| Net charge-offs to loans | -0.1066% | 5,665 |
| Credit loss provision to net charge-offs | 8.8889% | 2,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7833% | 1,635 |
| Assets per employee ($millions) | 3.3593% | 5,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5577% | 1,760 |
| Loan loss allowance to noncurrent loans | 55.1827% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 2.7063% | 524 |
| Noncurrent loans to loans | 2.8228% | 609 |
| Net loans and leases to total assets | 61.8672% | 3,549 |
| Net loans and leases to deposits | 84.5935% | 2,237 |
| Net loans and leases to core deposits | 88.0061% | 2,563 |
| Total domestic deposits to total assets | 73.1347% | 5,686 |
| Equity capital to assets | 10.4815% | 3,521 |
| Core capital (leverage) ratio | 10.2907% | 3,208 |
| Tier 1 risk-based capital ratio | 16.3412% | 2,543 |
| Total risk-based capital ratio | 17.5990% | 2,495 |
| Memoranda: | ||
| Average total assets | $265,825,000 | 2,425 |
| Average earning assets | $237,055,000 | 2,490 |
| Average equity | $27,546,500 | 2,557 |
| Average total loans | $168,922,500 | 2,414 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 1,865 |
| Cost of funding earning assets | 0.8896% | 304 |
| Net interest margin | 3.5206% | 3,450 |
| Noninterest income to average assets | 1.1393% | 906 |
| Noninterest expense to average assets | 3.5368% | 1,235 |
| Loan and lease loss provision to assets | 0.0597% | 3,114 |
| Net operating income to assets | 0.5375% | 4,549 |
| Return on assets (ROA) | 0.5375% | 4,638 |
| Pretax return on assets | 0.6375% | 4,709 |
| Return on Equity (ROE) | 5.1940% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.1940% | 2,285 |
| Net charge-offs to loans | 0.3358% | 884 |
| Credit loss provision to net charge-offs | 25.4545% | 3,703 |
| Earnings coverage of net charge-offs (x) | 2.9736% | 3,798 |
| Efficiency ratio | 83.5347% | 1,222 |
| Assets per employee ($millions) | 3.4580% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 2,034 |
| Loan loss allowance to noncurrent loans | 38.9193% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 3.4364% | 349 |
| Noncurrent loans to loans | 3.8407% | 333 |
| Net loans and leases to total assets | 63.2842% | 3,376 |
| Net loans and leases to deposits | 86.2218% | 2,103 |
| Net loans and leases to core deposits | 89.5327% | 2,450 |
| Total domestic deposits to total assets | 73.3970% | 5,697 |
| Equity capital to assets | 10.2442% | 3,689 |
| Core capital (leverage) ratio | 10.2793% | 3,178 |
| Tier 1 risk-based capital ratio | 15.9688% | 2,702 |
| Total risk-based capital ratio | 17.2260% | 2,638 |
| Memoranda: | ||
| Average total assets | $258,055,800 | 2,436 |
| Average earning assets | $226,836,800 | 2,531 |
| Average equity | $26,703,800 | 2,578 |
| Average total loans | $180,153,400 | 2,240 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5489% | 1,457 |
| Cost of funding earning assets | 0.9044% | 282 |
| Net interest margin | 3.6445% | 2,980 |
| Noninterest income to average assets | 1.1145% | 970 |
| Noninterest expense to average assets | 3.6019% | 1,116 |
| Loan and lease loss provision to assets | 0.0792% | 2,588 |
| Net operating income to assets | 0.5437% | 4,616 |
| Return on assets (ROA) | 0.5437% | 4,712 |
| Pretax return on assets | 0.6276% | 4,902 |
| Return on Equity (ROE) | 5.2408% | 4,513 |
| Retained earnings to average equity (ytd only) | 5.2408% | 2,755 |
| Net charge-offs to loans | 0.2310% | 1,141 |
| Credit loss provision to net charge-offs | 48.1013% | 3,065 |
| Earnings coverage of net charge-offs (x) | 4.2943% | 3,374 |
| Efficiency ratio | 83.5972% | 1,211 |
| Assets per employee ($millions) | 3.3302% | 5,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 1,749 |
| Loan loss allowance to noncurrent loans | 56.8545% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 3.1803% | 448 |
| Noncurrent loans to loans | 2.8318% | 655 |
| Net loans and leases to total assets | 67.8035% | 2,706 |
| Net loans and leases to deposits | 93.5109% | 1,255 |
| Net loans and leases to core deposits | 97.5816% | 1,738 |
| Total domestic deposits to total assets | 72.5086% | 5,829 |
| Equity capital to assets | 10.5241% | 3,577 |
| Core capital (leverage) ratio | 10.2869% | 3,268 |
| Tier 1 risk-based capital ratio | 15.5864% | 3,010 |
| Total risk-based capital ratio | 16.8459% | 2,931 |
| Memoranda: | ||
| Average total assets | $256,003,000 | 2,476 |
| Average earning assets | $224,370,500 | 2,571 |
| Average equity | $26,560,500 | 2,602 |
| Average total loans | $182,426,250 | 2,225 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6819% | 1,110 |
| Cost of funding earning assets | 0.9137% | 270 |
| Net interest margin | 3.7682% | 2,446 |
| Noninterest income to average assets | 1.1211% | 960 |
| Noninterest expense to average assets | 3.7450% | 933 |
| Loan and lease loss provision to assets | 0.0399% | 3,318 |
| Net operating income to assets | 0.4480% | 4,973 |
| Return on assets (ROA) | 0.4480% | 5,079 |
| Pretax return on assets | 0.6411% | 4,857 |
| Return on Equity (ROE) | 4.3466% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.3466% | 3,251 |
| Net charge-offs to loans | 0.1714% | 1,439 |
| Credit loss provision to net charge-offs | 32.2785% | 2,902 |
| Earnings coverage of net charge-offs (x) | 5.5127% | 2,915 |
| Efficiency ratio | 84.6140% | 1,199 |
| Assets per employee ($millions) | 3.3298% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6134% | 1,863 |
| Loan loss allowance to noncurrent loans | 58.8438% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 3.0099% | 559 |
| Noncurrent loans to loans | 2.7418% | 778 |
| Net loans and leases to total assets | 69.9067% | 2,324 |
| Net loans and leases to deposits | 96.9651% | 876 |
| Net loans and leases to core deposits | 101.0851% | 1,397 |
| Total domestic deposits to total assets | 72.0947% | 5,933 |
| Equity capital to assets | 10.4547% | 3,493 |
| Core capital (leverage) ratio | 10.1019% | 3,458 |
| Tier 1 risk-based capital ratio | 15.0132% | 3,351 |
| Total risk-based capital ratio | 16.2708% | 3,278 |
| Memoranda: | ||
| Average total assets | $255,810,000 | 2,491 |
| Average earning assets | $224,352,670 | 2,588 |
| Average equity | $26,365,330 | 2,626 |
| Average total loans | $184,332,330 | 2,230 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9385% | 639 |
| Cost of funding earning assets | 0.9525% | 222 |
| Net interest margin | 3.9860% | 1,609 |
| Noninterest income to average assets | 1.1960% | 795 |
| Noninterest expense to average assets | 3.7887% | 895 |
| Loan and lease loss provision to assets | -0.0062% | 6,089 |
| Net operating income to assets | 0.6097% | 4,242 |
| Return on assets (ROA) | 0.6097% | 4,332 |
| Pretax return on assets | 0.9021% | 3,881 |
| Return on Equity (ROE) | 5.9576% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.9576% | 2,528 |
| Net charge-offs to loans | 0.2658% | 900 |
| Credit loss provision to net charge-offs | -3.2258% | 4,286 |
| Earnings coverage of net charge-offs (x) | 4.6452% | 2,463 |
| Efficiency ratio | 80.8765% | 1,774 |
| Assets per employee ($millions) | 3.3627% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 2,196 |
| Loan loss allowance to noncurrent loans | 52.6027% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 3.6941% | 429 |
| Noncurrent loans to loans | 2.9623% | 749 |
| Net loans and leases to total assets | 71.1908% | 1,946 |
| Net loans and leases to deposits | 98.0957% | 671 |
| Net loans and leases to core deposits | 101.7049% | 1,202 |
| Total domestic deposits to total assets | 72.5729% | 6,008 |
| Equity capital to assets | 10.3370% | 3,740 |
| Core capital (leverage) ratio | 9.9751% | 3,632 |
| Tier 1 risk-based capital ratio | 14.3947% | 3,777 |
| Total risk-based capital ratio | 15.6486% | 3,699 |
| Memoranda: | ||
| Average total assets | $257,183,500 | 2,493 |
| Average earning assets | $225,090,500 | 2,595 |
| Average equity | $26,319,500 | 2,644 |
| Average total loans | $186,594,000 | 2,218 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5755% | 1,620 |
| Cost of funding earning assets | 0.9431% | 302 |
| Net interest margin | 3.6325% | 3,283 |
| Noninterest income to average assets | 0.9639% | 1,308 |
| Noninterest expense to average assets | 3.6825% | 1,181 |
| Loan and lease loss provision to assets | 0.2065% | 1,214 |
| Net operating income to assets | 0.2560% | 5,644 |
| Return on assets (ROA) | 0.2560% | 5,702 |
| Pretax return on assets | 0.2953% | 5,710 |
| Return on Equity (ROE) | 2.5427% | 5,621 |
| Retained earnings to average equity (ytd only) | 2.5427% | 4,428 |
| Net charge-offs to loans | 0.3510% | 1,247 |
| Credit loss provision to net charge-offs | 80.1815% | 2,860 |
| Earnings coverage of net charge-offs (x) | 1.9486% | 4,297 |
| Efficiency ratio | 88.0074% | 998 |
| Assets per employee ($millions) | 3.4053% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5969% | 2,104 |
| Loan loss allowance to noncurrent loans | 53.8489% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 3.8679% | 445 |
| Noncurrent loans to loans | 2.9655% | 763 |
| Net loans and leases to total assets | 71.6228% | 1,969 |
| Net loans and leases to deposits | 101.1735% | 560 |
| Net loans and leases to core deposits | 105.2226% | 1,062 |
| Total domestic deposits to total assets | 70.7920% | 6,156 |
| Equity capital to assets | 10.1318% | 3,945 |
| Core capital (leverage) ratio | 9.8462% | 3,775 |
| Tier 1 risk-based capital ratio | 13.6854% | 4,305 |
| Total risk-based capital ratio | 14.9402% | 4,238 |
| Memoranda: | ||
| Average total assets | $256,670,000 | 2,466 |
| Average earning assets | $227,557,600 | 2,543 |
| Average equity | $25,838,400 | 2,587 |
| Average total loans | $188,317,400 | 2,133 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5710% | 1,640 |
| Cost of funding earning assets | 0.9347% | 333 |
| Net interest margin | 3.6364% | 3,285 |
| Noninterest income to average assets | 0.9297% | 1,419 |
| Noninterest expense to average assets | 3.6906% | 1,136 |
| Loan and lease loss provision to assets | 0.2420% | 907 |
| Net operating income to assets | 0.2259% | 5,795 |
| Return on assets (ROA) | 0.2259% | 5,846 |
| Pretax return on assets | 0.2353% | 5,894 |
| Return on Equity (ROE) | 2.2478% | 5,778 |
| Retained earnings to average equity (ytd only) | 2.2478% | 4,935 |
| Net charge-offs to loans | 0.4609% | 847 |
| Credit loss provision to net charge-offs | 71.4286% | 2,745 |
| Earnings coverage of net charge-offs (x) | 1.4086% | 4,162 |
| Efficiency ratio | 88.5475% | 953 |
| Assets per employee ($millions) | 3.3741% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 2,331 |
| Loan loss allowance to noncurrent loans | 45.9039% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 4.0951% | 468 |
| Noncurrent loans to loans | 3.4636% | 701 |
| Net loans and leases to total assets | 72.2266% | 1,806 |
| Net loans and leases to deposits | 102.8866% | 457 |
| Net loans and leases to core deposits | 106.2787% | 943 |
| Total domestic deposits to total assets | 70.2002% | 6,279 |
| Equity capital to assets | 10.2826% | 3,808 |
| Core capital (leverage) ratio | 9.9638% | 3,731 |
| Tier 1 risk-based capital ratio | 13.7321% | 4,399 |
| Total risk-based capital ratio | 14.9864% | 4,327 |
| Memoranda: | ||
| Average total assets | $256,137,750 | 2,488 |
| Average earning assets | $228,098,000 | 2,558 |
| Average equity | $25,742,750 | 2,604 |
| Average total loans | $188,305,000 | 2,146 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5573% | 1,648 |
| Cost of funding earning assets | 0.9175% | 390 |
| Net interest margin | 3.6398% | 3,191 |
| Noninterest income to average assets | 0.8975% | 1,502 |
| Noninterest expense to average assets | 3.6685% | 1,189 |
| Loan and lease loss provision to assets | 0.2582% | 829 |
| Net operating income to assets | 0.2349% | 5,746 |
| Return on assets (ROA) | 0.2349% | 5,814 |
| Pretax return on assets | 0.2349% | 5,901 |
| Return on Equity (ROE) | 2.3548% | 5,745 |
| Retained earnings to average equity (ytd only) | 2.3548% | 4,705 |
| Net charge-offs to loans | 0.6555% | 588 |
| Credit loss provision to net charge-offs | 53.5484% | 2,744 |
| Earnings coverage of net charge-offs (x) | 1.0226% | 3,905 |
| Efficiency ratio | 88.1517% | 1,076 |
| Assets per employee ($millions) | 3.3361% | 5,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5375% | 2,734 |
| Loan loss allowance to noncurrent loans | 41.8711% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 4.0877% | 512 |
| Noncurrent loans to loans | 3.6721% | 700 |
| Net loans and leases to total assets | 72.0102% | 1,743 |
| Net loans and leases to deposits | 102.6204% | 417 |
| Net loans and leases to core deposits | 107.7647% | 781 |
| Total domestic deposits to total assets | 70.1714% | 6,350 |
| Equity capital to assets | 10.2255% | 3,795 |
| Core capital (leverage) ratio | 9.8329% | 3,839 |
| Tier 1 risk-based capital ratio | 13.9056% | 4,319 |
| Total risk-based capital ratio | 15.1600% | 4,261 |
| Memoranda: | ||
| Average total assets | $257,164,000 | 2,480 |
| Average earning assets | $230,617,000 | 2,540 |
| Average equity | $25,650,000 | 2,601 |
| Average total loans | $189,163,670 | 2,138 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5672% | 1,593 |
| Cost of funding earning assets | 0.9079% | 433 |
| Net interest margin | 3.6592% | 3,025 |
| Noninterest income to average assets | 0.8634% | 1,509 |
| Noninterest expense to average assets | 3.4443% | 1,600 |
| Loan and lease loss provision to assets | 0.5112% | 287 |
| Net operating income to assets | 0.2039% | 5,791 |
| Return on assets (ROA) | 0.2039% | 5,840 |
| Pretax return on assets | 0.1946% | 5,927 |
| Return on Equity (ROE) | 2.0696% | 5,763 |
| Retained earnings to average equity (ytd only) | 2.0696% | 4,775 |
| Net charge-offs to loans | 0.2701% | 1,263 |
| Credit loss provision to net charge-offs | 256.5891% | 889 |
| Earnings coverage of net charge-offs (x) | 3.5426% | 2,669 |
| Efficiency ratio | 82.9922% | 1,801 |
| Assets per employee ($millions) | 3.4210% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7649% | 2,143 |
| Loan loss allowance to noncurrent loans | 45.9181% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 3.9320% | 617 |
| Noncurrent loans to loans | 3.8435% | 720 |
| Net loans and leases to total assets | 71.5273% | 1,648 |
| Net loans and leases to deposits | 100.5711% | 416 |
| Net loans and leases to core deposits | 104.2913% | 843 |
| Total domestic deposits to total assets | 71.1211% | 6,401 |
| Equity capital to assets | 9.8622% | 4,012 |
| Core capital (leverage) ratio | 9.7097% | 3,983 |
| Tier 1 risk-based capital ratio | 14.0062% | 4,334 |
| Total risk-based capital ratio | 15.2639% | 4,264 |
| Memoranda: | ||
| Average total assets | $258,975,000 | 2,465 |
| Average earning assets | $232,616,000 | 2,521 |
| Average equity | $25,512,000 | 2,595 |
| Average total loans | $191,032,000 | 2,126 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6232% | 1,791 |
| Cost of funding earning assets | 0.9942% | 455 |
| Net interest margin | 3.6290% | 3,333 |
| Noninterest income to average assets | 0.8374% | 1,910 |
| Noninterest expense to average assets | 3.5943% | 1,460 |
| Loan and lease loss provision to assets | 0.4598% | 625 |
| Net operating income to assets | 0.1538% | 5,934 |
| Return on assets (ROA) | 0.1538% | 5,998 |
| Pretax return on assets | 0.0515% | 6,153 |
| Return on Equity (ROE) | 1.5986% | 5,960 |
| Retained earnings to average equity (ytd only) | 1.5986% | 5,078 |
| Net charge-offs to loans | 0.8529% | 722 |
| Credit loss provision to net charge-offs | 74.2508% | 3,189 |
| Earnings coverage of net charge-offs (x) | 0.8257% | 4,810 |
| Efficiency ratio | 87.5461% | 1,260 |
| Assets per employee ($millions) | 3.3942% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 2,652 |
| Loan loss allowance to noncurrent loans | 42.0045% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 4.0049% | 664 |
| Noncurrent loans to loans | 3.8769% | 764 |
| Net loans and leases to total assets | 73.5076% | 1,432 |
| Net loans and leases to deposits | 103.3279% | 346 |
| Net loans and leases to core deposits | 108.4703% | 673 |
| Total domestic deposits to total assets | 71.1402% | 6,469 |
| Equity capital to assets | 9.8400% | 3,974 |
| Core capital (leverage) ratio | 9.7305% | 3,942 |
| Tier 1 risk-based capital ratio | 13.5761% | 4,594 |
| Total risk-based capital ratio | 14.7431% | 4,601 |
| Memoranda: | ||
| Average total assets | $264,029,600 | 2,397 |
| Average earning assets | $237,777,400 | 2,442 |
| Average equity | $25,397,800 | 2,596 |
| Average total loans | $191,692,400 | 2,083 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 1,761 |
| Cost of funding earning assets | 1.0039% | 483 |
| Net interest margin | 3.6393% | 3,282 |
| Noninterest income to average assets | 0.8576% | 1,905 |
| Noninterest expense to average assets | 3.5689% | 1,461 |
| Loan and lease loss provision to assets | 0.5583% | 462 |
| Net operating income to assets | 0.1426% | 6,049 |
| Return on assets (ROA) | 0.1426% | 6,119 |
| Pretax return on assets | 0.0121% | 6,310 |
| Return on Equity (ROE) | 1.4907% | 6,079 |
| Retained earnings to average equity (ytd only) | 1.4907% | 5,387 |
| Net charge-offs to loans | 1.0099% | 562 |
| Credit loss provision to net charge-offs | 76.6897% | 2,928 |
| Earnings coverage of net charge-offs (x) | 0.7834% | 4,591 |
| Efficiency ratio | 86.2203% | 1,342 |
| Assets per employee ($millions) | 3.5094% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6637% | 2,754 |
| Loan loss allowance to noncurrent loans | 34.5116% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 4.5664% | 653 |
| Noncurrent loans to loans | 4.8207% | 645 |
| Net loans and leases to total assets | 72.3545% | 1,552 |
| Net loans and leases to deposits | 101.0629% | 428 |
| Net loans and leases to core deposits | 106.5636% | 726 |
| Total domestic deposits to total assets | 71.5935% | 6,519 |
| Equity capital to assets | 9.6396% | 4,371 |
| Core capital (leverage) ratio | 9.4938% | 4,416 |
| Tier 1 risk-based capital ratio | 13.5103% | 4,754 |
| Total risk-based capital ratio | 14.7667% | 4,704 |
| Memoranda: | ||
| Average total assets | $265,547,750 | 2,402 |
| Average earning assets | $239,456,750 | 2,441 |
| Average equity | $25,401,500 | 2,623 |
| Average total loans | $191,426,250 | 2,084 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6025% | 1,847 |
| Cost of funding earning assets | 1.0190% | 492 |
| Net interest margin | 3.5835% | 3,435 |
| Noninterest income to average assets | 0.9349% | 1,703 |
| Noninterest expense to average assets | 3.5760% | 1,456 |
| Loan and lease loss provision to assets | 0.6668% | 361 |
| Net operating income to assets | 0.1119% | 6,108 |
| Return on assets (ROA) | 0.1119% | 6,198 |
| Pretax return on assets | -0.0781% | 6,418 |
| Return on Equity (ROE) | 1.1727% | 6,173 |
| Retained earnings to average equity (ytd only) | 1.1727% | 5,432 |
| Net charge-offs to loans | 1.4254% | 377 |
| Credit loss provision to net charge-offs | 65.3422% | 2,925 |
| Earnings coverage of net charge-offs (x) | 0.5769% | 4,343 |
| Efficiency ratio | 85.8637% | 1,424 |
| Assets per employee ($millions) | 3.4582% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5828% | 3,217 |
| Loan loss allowance to noncurrent loans | 32.7747% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 4.7251% | 674 |
| Noncurrent loans to loans | 4.8293% | 692 |
| Net loans and leases to total assets | 72.1542% | 1,553 |
| Net loans and leases to deposits | 100.7293% | 387 |
| Net loans and leases to core deposits | 106.5429% | 714 |
| Total domestic deposits to total assets | 71.6318% | 6,581 |
| Equity capital to assets | 9.4941% | 4,589 |
| Core capital (leverage) ratio | 9.3307% | 4,490 |
| Tier 1 risk-based capital ratio | 13.1247% | 5,049 |
| Total risk-based capital ratio | 14.3795% | 4,989 |
| Memoranda: | ||
| Average total assets | $266,328,000 | 2,403 |
| Average earning assets | $240,042,000 | 2,446 |
| Average equity | $25,411,330 | 2,640 |
| Average total loans | $190,680,330 | 2,097 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6026% | 1,816 |
| Cost of funding earning assets | 1.0263% | 528 |
| Net interest margin | 3.5763% | 3,358 |
| Noninterest income to average assets | 0.9536% | 1,599 |
| Noninterest expense to average assets | 3.4556% | 1,709 |
| Loan and lease loss provision to assets | 0.7209% | 324 |
| Net operating income to assets | 0.0916% | 6,165 |
| Return on assets (ROA) | 0.0916% | 6,254 |
| Pretax return on assets | -0.0045% | 6,416 |
| Return on Equity (ROE) | 0.9577% | 6,230 |
| Retained earnings to average equity (ytd only) | 0.9577% | 5,461 |
| Net charge-offs to loans | 1.2781% | 441 |
| Credit loss provision to net charge-offs | 79.7342% | 2,157 |
| Earnings coverage of net charge-offs (x) | 0.7924% | 3,567 |
| Efficiency ratio | 82.8294% | 1,913 |
| Assets per employee ($millions) | 3.4202% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8464% | 2,456 |
| Loan loss allowance to noncurrent loans | 44.9810% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 4.1147% | 952 |
| Noncurrent loans to loans | 4.1048% | 1,079 |
| Net loans and leases to total assets | 68.4875% | 1,926 |
| Net loans and leases to deposits | 95.1550% | 595 |
| Net loans and leases to core deposits | 101.3153% | 870 |
| Total domestic deposits to total assets | 71.9747% | 6,658 |
| Equity capital to assets | 9.5376% | 4,798 |
| Core capital (leverage) ratio | 9.2904% | 4,416 |
| Tier 1 risk-based capital ratio | 13.6190% | 4,779 |
| Total risk-based capital ratio | 14.8769% | 4,745 |
| Memoranda: | ||
| Average total assets | $266,351,500 | 2,430 |
| Average earning assets | $239,692,000 | 2,475 |
| Average equity | $25,476,500 | 2,662 |
| Average total loans | $188,409,000 | 2,131 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 1,887 |
| Cost of funding earning assets | 1.1577% | 710 |
| Net interest margin | 3.7277% | 3,532 |
| Noninterest income to average assets | 1.1546% | 1,172 |
| Noninterest expense to average assets | 3.7501% | 1,328 |
| Loan and lease loss provision to assets | 0.5423% | 1,061 |
| Net operating income to assets | 0.2248% | 5,719 |
| Return on assets (ROA) | 0.2248% | 5,912 |
| Pretax return on assets | 0.2158% | 5,968 |
| Return on Equity (ROE) | 2.4867% | 5,750 |
| Retained earnings to average equity (ytd only) | 2.4867% | 4,479 |
| Net charge-offs to loans | 0.7315% | 1,607 |
| Credit loss provision to net charge-offs | 103.0717% | 2,912 |
| Earnings coverage of net charge-offs (x) | 1.4410% | 4,726 |
| Efficiency ratio | 83.1833% | 1,720 |
| Assets per employee ($millions) | 3.4093% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8671% | 2,398 |
| Loan loss allowance to noncurrent loans | 40.4316% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 4.5934% | 892 |
| Noncurrent loans to loans | 4.6179% | 912 |
| Net loans and leases to total assets | 70.3624% | 1,767 |
| Net loans and leases to deposits | 97.9942% | 507 |
| Net loans and leases to core deposits | 104.6874% | 749 |
| Total domestic deposits to total assets | 71.8027% | 6,703 |
| Equity capital to assets | 9.5925% | 4,761 |
| Core capital (leverage) ratio | 9.3002% | 4,418 |
| Tier 1 risk-based capital ratio | 13.0849% | 5,045 |
| Total risk-based capital ratio | 14.3429% | 4,987 |
| Memoranda: | ||
| Average total assets | $278,445,400 | 2,283 |
| Average earning assets | $250,501,800 | 2,319 |
| Average equity | $25,174,000 | 2,639 |
| Average total loans | $200,280,400 | 2,006 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 1,968 |
| Cost of funding earning assets | 1.1829% | 748 |
| Net interest margin | 3.7283% | 3,667 |
| Noninterest income to average assets | 1.1516% | 1,149 |
| Noninterest expense to average assets | 3.8303% | 1,158 |
| Loan and lease loss provision to assets | 0.4782% | 1,293 |
| Net operating income to assets | 0.2164% | 5,874 |
| Return on assets (ROA) | 0.2164% | 6,050 |
| Pretax return on assets | 0.2027% | 6,116 |
| Return on Equity (ROE) | 2.4285% | 5,908 |
| Retained earnings to average equity (ytd only) | 2.4285% | 5,116 |
| Net charge-offs to loans | 0.6920% | 1,592 |
| Credit loss provision to net charge-offs | 96.0076% | 3,106 |
| Earnings coverage of net charge-offs (x) | 1.3669% | 4,612 |
| Efficiency ratio | 84.9061% | 1,484 |
| Assets per employee ($millions) | 3.4299% | 5,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7787% | 2,863 |
| Loan loss allowance to noncurrent loans | 39.6145% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 4.6013% | 998 |
| Noncurrent loans to loans | 4.4901% | 1,049 |
| Net loans and leases to total assets | 71.6841% | 1,606 |
| Net loans and leases to deposits | 99.6337% | 458 |
| Net loans and leases to core deposits | 106.9468% | 693 |
| Total domestic deposits to total assets | 71.9477% | 6,744 |
| Equity capital to assets | 9.5035% | 5,202 |
| Core capital (leverage) ratio | 9.1810% | 4,794 |
| Tier 1 risk-based capital ratio | 12.7616% | 5,431 |
| Total risk-based capital ratio | 14.0182% | 5,386 |
| Memoranda: | ||
| Average total assets | $281,575,250 | 2,290 |
| Average earning assets | $253,726,000 | 2,310 |
| Average equity | $25,090,250 | 2,678 |
| Average total loans | $202,682,500 | 2,008 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9250% | 2,006 |
| Cost of funding earning assets | 1.2082% | 783 |
| Net interest margin | 3.7168% | 3,739 |
| Noninterest income to average assets | 1.0354% | 1,364 |
| Noninterest expense to average assets | 3.8162% | 1,192 |
| Loan and lease loss provision to assets | 0.4353% | 1,492 |
| Net operating income to assets | 0.1810% | 5,975 |
| Return on assets (ROA) | 0.1810% | 6,147 |
| Pretax return on assets | 0.1327% | 6,255 |
| Return on Equity (ROE) | 2.0738% | 6,022 |
| Retained earnings to average equity (ytd only) | 2.0738% | 5,164 |
| Net charge-offs to loans | 0.8793% | 1,250 |
| Credit loss provision to net charge-offs | 69.0687% | 3,585 |
| Earnings coverage of net charge-offs (x) | 0.9013% | 4,593 |
| Efficiency ratio | 87.0438% | 1,331 |
| Assets per employee ($millions) | 3.3531% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6255% | 3,510 |
| Loan loss allowance to noncurrent loans | 43.5884% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 3.9374% | 1,312 |
| Noncurrent loans to loans | 3.7292% | 1,515 |
| Net loans and leases to total assets | 70.3696% | 1,858 |
| Net loans and leases to deposits | 96.0768% | 628 |
| Net loans and leases to core deposits | 104.1862% | 847 |
| Total domestic deposits to total assets | 73.2430% | 6,730 |
| Equity capital to assets | 9.0182% | 5,680 |
| Core capital (leverage) ratio | 8.7483% | 5,299 |
| Tier 1 risk-based capital ratio | 12.3965% | 5,650 |
| Total risk-based capital ratio | 13.6518% | 5,629 |
| Memoranda: | ||
| Average total assets | $286,256,330 | 2,259 |
| Average earning assets | $257,907,330 | 2,279 |
| Average equity | $24,978,670 | 2,672 |
| Average total loans | $205,159,670 | 1,981 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9396% | 2,088 |
| Cost of funding earning assets | 1.2307% | 845 |
| Net interest margin | 3.7089% | 3,786 |
| Noninterest income to average assets | 1.1205% | 1,126 |
| Noninterest expense to average assets | 3.8011% | 1,211 |
| Loan and lease loss provision to assets | 0.2550% | 2,413 |
| Net operating income to assets | 0.3638% | 5,407 |
| Return on assets (ROA) | 0.3638% | 5,592 |
| Pretax return on assets | 0.4038% | 5,712 |
| Return on Equity (ROE) | 4.2377% | 5,176 |
| Retained earnings to average equity (ytd only) | 4.2377% | 4,050 |
| Net charge-offs to loans | 0.0384% | 4,160 |
| Credit loss provision to net charge-offs | 925.0000% | 379 |
| Earnings coverage of net charge-offs (x) | 23.9000% | 1,078 |
| Efficiency ratio | 85.2287% | 1,558 |
| Assets per employee ($millions) | 3.5458% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7966% | 3,007 |
| Loan loss allowance to noncurrent loans | 44.8385% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 4.0111% | 1,367 |
| Noncurrent loans to loans | 4.0067% | 1,527 |
| Net loans and leases to total assets | 68.3312% | 2,053 |
| Net loans and leases to deposits | 91.5707% | 833 |
| Net loans and leases to core deposits | 100.7949% | 939 |
| Total domestic deposits to total assets | 74.6212% | 6,688 |
| Equity capital to assets | 8.5201% | 6,065 |
| Core capital (leverage) ratio | 8.2574% | 5,945 |
| Tier 1 risk-based capital ratio | 12.3139% | 5,746 |
| Total risk-based capital ratio | 13.5006% | 5,766 |
| Memoranda: | ||
| Average total assets | $290,232,000 | 2,241 |
| Average earning assets | $261,318,500 | 2,268 |
| Average equity | $24,919,000 | 2,671 |
| Average total loans | $208,200,500 | 1,960 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1909% | 2,101 |
| Cost of funding earning assets | 1.4086% | 1,000 |
| Net interest margin | 3.7823% | 3,918 |
| Noninterest income to average assets | 0.7568% | 2,301 |
| Noninterest expense to average assets | 3.3420% | 2,385 |
| Loan and lease loss provision to assets | 0.7859% | 1,265 |
| Net operating income to assets | 0.0991% | 5,865 |
| Return on assets (ROA) | 0.0991% | 5,982 |
| Pretax return on assets | 0.0010% | 6,126 |
| Return on Equity (ROE) | 1.1906% | 5,919 |
| Retained earnings to average equity (ytd only) | 1.1906% | 5,295 |
| Net charge-offs to loans | 0.8489% | 2,043 |
| Credit loss provision to net charge-offs | 128.7011% | 2,393 |
| Earnings coverage of net charge-offs (x) | 1.2887% | 4,811 |
| Efficiency ratio | 80.9412% | 2,170 |
| Assets per employee ($millions) | 3.4897% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 3,407 |
| Loan loss allowance to noncurrent loans | 36.3751% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 4.8466% | 1,116 |
| Noncurrent loans to loans | 4.5156% | 1,320 |
| Net loans and leases to total assets | 72.7372% | 1,506 |
| Net loans and leases to deposits | 98.0179% | 561 |
| Net loans and leases to core deposits | 108.1852% | 693 |
| Total domestic deposits to total assets | 74.2080% | 6,693 |
| Equity capital to assets | 8.6536% | 5,953 |
| Core capital (leverage) ratio | 8.4216% | 5,685 |
| Tier 1 risk-based capital ratio | 11.6265% | 6,069 |
| Total risk-based capital ratio | 12.8672% | 6,064 |
| Memoranda: | ||
| Average total assets | $288,723,400 | 2,205 |
| Average earning assets | $257,411,000 | 2,254 |
| Average equity | $24,021,800 | 2,665 |
| Average total loans | $207,675,600 | 1,975 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1918% | 2,232 |
| Cost of funding earning assets | 1.4443% | 1,043 |
| Net interest margin | 3.7475% | 4,119 |
| Noninterest income to average assets | 0.6847% | 2,697 |
| Noninterest expense to average assets | 3.2733% | 2,583 |
| Loan and lease loss provision to assets | 0.9298% | 950 |
| Net operating income to assets | -0.0097% | 6,169 |
| Return on assets (ROA) | -0.0097% | 6,271 |
| Pretax return on assets | -0.1815% | 6,397 |
| Return on Equity (ROE) | -0.1175% | 6,280 |
| Retained earnings to average equity (ytd only) | -0.1175% | 5,994 |
| Net charge-offs to loans | 1.1166% | 1,418 |
| Credit loss provision to net charge-offs | 116.5800% | 2,802 |
| Earnings coverage of net charge-offs (x) | 0.9382% | 4,921 |
| Efficiency ratio | 81.3932% | 2,055 |
| Assets per employee ($millions) | 3.4617% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 3,923 |
| Loan loss allowance to noncurrent loans | 33.0356% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 5.3508% | 1,055 |
| Noncurrent loans to loans | 4.6561% | 1,387 |
| Net loans and leases to total assets | 72.5184% | 1,606 |
| Net loans and leases to deposits | 97.3149% | 619 |
| Net loans and leases to core deposits | 108.1047% | 764 |
| Total domestic deposits to total assets | 74.5194% | 6,703 |
| Equity capital to assets | 8.4509% | 6,351 |
| Core capital (leverage) ratio | 8.2753% | 6,013 |
| Tier 1 risk-based capital ratio | 11.4505% | 6,269 |
| Total risk-based capital ratio | 12.7026% | 6,264 |
| Memoranda: | ||
| Average total assets | $289,364,500 | 2,215 |
| Average earning assets | $257,656,250 | 2,266 |
| Average equity | $23,836,500 | 2,693 |
| Average total loans | $206,689,500 | 2,006 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1961% | 2,271 |
| Cost of funding earning assets | 1.4803% | 1,072 |
| Net interest margin | 3.7158% | 4,194 |
| Noninterest income to average assets | 0.6978% | 2,565 |
| Noninterest expense to average assets | 3.2485% | 2,728 |
| Loan and lease loss provision to assets | 0.8606% | 1,048 |
| Net operating income to assets | 0.0517% | 6,116 |
| Return on assets (ROA) | 0.0517% | 6,197 |
| Pretax return on assets | -0.1069% | 6,372 |
| Return on Equity (ROE) | 0.6332% | 6,161 |
| Retained earnings to average equity (ytd only) | 0.6332% | 5,603 |
| Net charge-offs to loans | 1.5528% | 945 |
| Credit loss provision to net charge-offs | 78.3920% | 3,824 |
| Earnings coverage of net charge-offs (x) | 0.6866% | 4,779 |
| Efficiency ratio | 81.1682% | 2,220 |
| Assets per employee ($millions) | 3.4935% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 5,177 |
| Loan loss allowance to noncurrent loans | 25.6370% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 5.3898% | 1,103 |
| Noncurrent loans to loans | 4.9670% | 1,321 |
| Net loans and leases to total assets | 71.3415% | 1,923 |
| Net loans and leases to deposits | 95.6990% | 750 |
| Net loans and leases to core deposits | 106.6154% | 894 |
| Total domestic deposits to total assets | 74.5478% | 6,779 |
| Equity capital to assets | 8.3315% | 6,382 |
| Core capital (leverage) ratio | 8.3181% | 5,841 |
| Tier 1 risk-based capital ratio | 11.8055% | 5,934 |
| Total risk-based capital ratio | 13.0561% | 5,923 |
| Memoranda: | ||
| Average total assets | $290,046,000 | 2,217 |
| Average earning assets | $257,925,330 | 2,272 |
| Average equity | $23,688,330 | 2,681 |
| Average total loans | $205,047,670 | 2,036 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1209% | 2,550 |
| Cost of funding earning assets | 1.5222% | 1,086 |
| Net interest margin | 3.5987% | 4,574 |
| Noninterest income to average assets | 0.6716% | 2,718 |
| Noninterest expense to average assets | 3.2100% | 2,864 |
| Loan and lease loss provision to assets | 0.5140% | 1,689 |
| Net operating income to assets | 0.1398% | 5,972 |
| Return on assets (ROA) | 0.1398% | 6,030 |
| Pretax return on assets | 0.1330% | 6,095 |
| Return on Equity (ROE) | 1.7289% | 5,896 |
| Retained earnings to average equity (ytd only) | 1.7289% | 5,087 |
| Net charge-offs to loans | 1.1153% | 1,245 |
| Credit loss provision to net charge-offs | 65.9051% | 3,438 |
| Earnings coverage of net charge-offs (x) | 0.8295% | 4,021 |
| Efficiency ratio | 83.2267% | 2,051 |
| Assets per employee ($millions) | 3.3913% | 5,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 4,755 |
| Loan loss allowance to noncurrent loans | 32.1868% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 4.8750% | 1,300 |
| Noncurrent loans to loans | 4.2948% | 1,658 |
| Net loans and leases to total assets | 68.4407% | 2,466 |
| Net loans and leases to deposits | 91.2419% | 1,088 |
| Net loans and leases to core deposits | 101.2622% | 1,253 |
| Total domestic deposits to total assets | 75.0101% | 6,790 |
| Equity capital to assets | 8.1676% | 6,323 |
| Core capital (leverage) ratio | 8.1735% | 6,006 |
| Tier 1 risk-based capital ratio | 11.7369% | 5,908 |
| Total risk-based capital ratio | 12.9869% | 5,912 |
| Memoranda: | ||
| Average total assets | $291,836,000 | 2,213 |
| Average earning assets | $258,316,000 | 2,285 |
| Average equity | $23,599,000 | 2,681 |
| Average total loans | $204,069,000 | 2,065 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2844% | 3,201 |
| Cost of funding earning assets | 1.8170% | 1,105 |
| Net interest margin | 3.4674% | 5,372 |
| Noninterest income to average assets | 0.5195% | 4,027 |
| Noninterest expense to average assets | 3.0470% | 3,668 |
| Loan and lease loss provision to assets | 1.9586% | 678 |
| Net operating income to assets | -0.8241% | 6,589 |
| Return on assets (ROA) | -0.8241% | 6,617 |
| Pretax return on assets | -1.4556% | 6,842 |
| Return on Equity (ROE) | -10.1809% | 6,736 |
| Retained earnings to average equity (ytd only) | -10.1809% | 6,670 |
| Net charge-offs to loans | 2.2927% | 844 |
| Credit loss provision to net charge-offs | 118.7806% | 3,576 |
| Earnings coverage of net charge-offs (x) | 0.3051% | 5,804 |
| Efficiency ratio | 85.8306% | 1,712 |
| Assets per employee ($millions) | 3.3956% | 5,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 4,256 |
| Loan loss allowance to noncurrent loans | 28.8010% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 5.5257% | 1,120 |
| Noncurrent loans to loans | 5.0513% | 1,326 |
| Net loans and leases to total assets | 69.4262% | 2,681 |
| Net loans and leases to deposits | 92.2736% | 1,244 |
| Net loans and leases to core deposits | 103.5858% | 1,341 |
| Total domestic deposits to total assets | 75.2395% | 6,739 |
| Equity capital to assets | 8.0053% | 6,493 |
| Core capital (leverage) ratio | 8.0991% | 6,019 |
| Tier 1 risk-based capital ratio | 11.5774% | 5,845 |
| Total risk-based capital ratio | 12.8273% | 5,852 |
| Memoranda: | ||
| Average total assets | $297,404,200 | 2,166 |
| Average earning assets | $259,936,200 | 2,261 |
| Average equity | $24,074,600 | 2,650 |
| Average total loans | $213,896,800 | 2,025 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2246% | 3,707 |
| Cost of funding earning assets | 1.8781% | 1,095 |
| Net interest margin | 3.3465% | 5,857 |
| Noninterest income to average assets | 0.4316% | 4,704 |
| Noninterest expense to average assets | 3.0040% | 3,726 |
| Loan and lease loss provision to assets | 2.3314% | 473 |
| Net operating income to assets | -1.1474% | 6,962 |
| Return on assets (ROA) | -1.1474% | 6,996 |
| Pretax return on assets | -1.9878% | 7,194 |
| Return on Equity (ROE) | -14.1363% | 7,077 |
| Retained earnings to average equity (ytd only) | -14.1363% | 7,045 |
| Net charge-offs to loans | 2.6951% | 603 |
| Credit loss provision to net charge-offs | 119.6793% | 3,449 |
| Earnings coverage of net charge-offs (x) | 0.1764% | 5,840 |
| Efficiency ratio | 89.7347% | 1,312 |
| Assets per employee ($millions) | 3.3854% | 5,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 4,443 |
| Loan loss allowance to noncurrent loans | 22.6178% | 6,780 |
| Noncurrent assets plus other real estate owned to assets | 6.4250% | 890 |
| Noncurrent loans to loans | 6.1978% | 989 |
| Net loans and leases to total assets | 70.7614% | 2,543 |
| Net loans and leases to deposits | 94.4136% | 1,154 |
| Net loans and leases to core deposits | 108.3217% | 1,140 |
| Total domestic deposits to total assets | 74.9484% | 6,806 |
| Equity capital to assets | 8.2293% | 6,578 |
| Core capital (leverage) ratio | 8.1065% | 6,186 |
| Tier 1 risk-based capital ratio | 11.2815% | 6,114 |
| Total risk-based capital ratio | 12.5317% | 6,110 |
| Memoranda: | ||
| Average total assets | $298,750,750 | 2,191 |
| Average earning assets | $260,327,000 | 2,289 |
| Average equity | $24,249,000 | 2,679 |
| Average total loans | $215,938,500 | 2,038 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2461% | 3,733 |
| Cost of funding earning assets | 1.8989% | 1,239 |
| Net interest margin | 3.3472% | 5,845 |
| Noninterest income to average assets | 0.3120% | 5,673 |
| Noninterest expense to average assets | 2.9806% | 3,778 |
| Loan and lease loss provision to assets | 3.2315% | 293 |
| Net operating income to assets | -1.7618% | 7,249 |
| Return on assets (ROA) | -1.7618% | 7,252 |
| Pretax return on assets | -3.0005% | 7,465 |
| Return on Equity (ROE) | -21.8026% | 7,314 |
| Retained earnings to average equity (ytd only) | -21.8026% | 7,299 |
| Net charge-offs to loans | 3.6716% | 383 |
| Credit loss provision to net charge-offs | 121.4874% | 3,337 |
| Earnings coverage of net charge-offs (x) | 0.0868% | 5,639 |
| Efficiency ratio | 92.8069% | 1,138 |
| Assets per employee ($millions) | 3.4352% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 4,598 |
| Loan loss allowance to noncurrent loans | 21.3075% | 6,878 |
| Noncurrent assets plus other real estate owned to assets | 5.9742% | 991 |
| Noncurrent loans to loans | 6.4085% | 944 |
| Net loans and leases to total assets | 70.8164% | 2,711 |
| Net loans and leases to deposits | 93.4630% | 1,344 |
| Net loans and leases to core deposits | 107.9463% | 1,299 |
| Total domestic deposits to total assets | 75.7694% | 6,736 |
| Equity capital to assets | 7.7881% | 6,939 |
| Core capital (leverage) ratio | 7.8452% | 6,444 |
| Tier 1 risk-based capital ratio | 10.9417% | 6,303 |
| Total risk-based capital ratio | 12.1916% | 6,284 |
| Memoranda: | ||
| Average total assets | $301,286,670 | 2,194 |
| Average earning assets | $260,994,000 | 2,294 |
| Average equity | $24,345,670 | 2,658 |
| Average total loans | $218,269,330 | 2,044 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3046% | 3,526 |
| Cost of funding earning assets | 1.9417% | 1,279 |
| Net interest margin | 3.3628% | 5,744 |
| Noninterest income to average assets | 0.0529% | 7,453 |
| Noninterest expense to average assets | 2.8152% | 4,436 |
| Loan and lease loss provision to assets | 2.9766% | 334 |
| Net operating income to assets | -1.7005% | 7,385 |
| Return on assets (ROA) | -1.7005% | 7,389 |
| Pretax return on assets | -2.8694% | 7,583 |
| Return on Equity (ROE) | -20.6748% | 7,452 |
| Retained earnings to average equity (ytd only) | -20.6748% | 7,394 |
| Net charge-offs to loans | 2.8240% | 563 |
| Credit loss provision to net charge-offs | 144.8520% | 2,459 |
| Earnings coverage of net charge-offs (x) | 0.0521% | 4,993 |
| Efficiency ratio | 96.3348% | 1,006 |
| Assets per employee ($millions) | 3.3676% | 5,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 5,826 |
| Loan loss allowance to noncurrent loans | 19.5231% | 7,040 |
| Noncurrent assets plus other real estate owned to assets | 5.3121% | 1,177 |
| Noncurrent loans to loans | 5.8332% | 1,144 |
| Net loans and leases to total assets | 71.2916% | 2,621 |
| Net loans and leases to deposits | 94.1457% | 1,331 |
| Net loans and leases to core deposits | 109.1422% | 1,342 |
| Total domestic deposits to total assets | 75.7247% | 6,799 |
| Equity capital to assets | 8.0295% | 6,620 |
| Core capital (leverage) ratio | 8.1955% | 5,913 |
| Tier 1 risk-based capital ratio | 11.7447% | 5,450 |
| Total risk-based capital ratio | 12.9194% | 5,472 |
| Memoranda: | ||
| Average total assets | $302,497,000 | 2,234 |
| Average earning assets | $258,118,000 | 2,368 |
| Average equity | $24,880,500 | 2,617 |
| Average total loans | $220,116,000 | 2,078 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8408% | 2,483 |
| Cost of funding earning assets | 2.4568% | 1,131 |
| Net interest margin | 3.3840% | 5,433 |
| Noninterest income to average assets | 0.7553% | 2,643 |
| Noninterest expense to average assets | 3.0206% | 4,069 |
| Loan and lease loss provision to assets | 0.6205% | 3,320 |
| Net operating income to assets | 0.1460% | 5,056 |
| Return on assets (ROA) | 0.1460% | 5,126 |
| Pretax return on assets | 0.1247% | 5,168 |
| Return on Equity (ROE) | 1.7161% | 5,012 |
| Retained earnings to average equity (ytd only) | 0.9198% | 4,379 |
| Net charge-offs to loans | 0.6825% | 3,144 |
| Credit loss provision to net charge-offs | 118.5881% | 4,544 |
| Earnings coverage of net charge-offs (x) | 1.4242% | 4,702 |
| Efficiency ratio | 80.2124% | 2,856 |
| Assets per employee ($millions) | 3.3546% | 5,359 |
| Cash dividends to net income (ytd only)* | 46.4037% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 7,107 |
| Loan loss allowance to noncurrent loans | 22.1453% | 6,956 |
| Noncurrent assets plus other real estate owned to assets | 3.9197% | 1,690 |
| Noncurrent loans to loans | 3.6505% | 2,063 |
| Net loans and leases to total assets | 72.8288% | 2,550 |
| Net loans and leases to deposits | 96.6811% | 1,242 |
| Net loans and leases to core deposits | 128.8729% | 1,340 |
| Total domestic deposits to total assets | 75.3289% | 6,803 |
| Equity capital to assets | 8.4213% | 6,027 |
| Core capital (leverage) ratio | 8.6350% | 5,044 |
| Tier 1 risk-based capital ratio | 11.7103% | 5,186 |
| Total risk-based capital ratio | 12.5134% | 5,601 |
| Memoranda: | ||
| Average total assets | $295,105,400 | 2,244 |
| Average earning assets | $262,531,400 | 2,304 |
| Average equity | $25,114,600 | 2,599 |
| Average total loans | $226,225,200 | 2,050 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7278% | 3,202 |
| Cost of funding earning assets | 2.5807% | 1,072 |
| Net interest margin | 3.1471% | 6,191 |
| Noninterest income to average assets | 0.8439% | 2,229 |
| Noninterest expense to average assets | 2.9438% | 4,260 |
| Loan and lease loss provision to assets | 0.6094% | 2,949 |
| Net operating income to assets | 0.1441% | 5,338 |
| Return on assets (ROA) | 0.1441% | 5,404 |
| Pretax return on assets | 0.1136% | 5,499 |
| Return on Equity (ROE) | 1.6881% | 5,269 |
| Retained earnings to average equity (ytd only) | 0.6231% | 4,937 |
| Net charge-offs to loans | 0.6931% | 2,614 |
| Credit loss provision to net charge-offs | 113.4518% | 4,482 |
| Earnings coverage of net charge-offs (x) | 1.3460% | 4,774 |
| Efficiency ratio | 80.2826% | 2,798 |
| Assets per employee ($millions) | 3.1997% | 5,648 |
| Cash dividends to net income (ytd only)* | 63.0909% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7361% | 7,295 |
| Loan loss allowance to noncurrent loans | 15.8220% | 7,292 |
| Noncurrent assets plus other real estate owned to assets | 4.3965% | 1,399 |
| Noncurrent loans to loans | 4.6522% | 1,482 |
| Net loans and leases to total assets | 75.4096% | 2,124 |
| Net loans and leases to deposits | 101.0015% | 1,012 |
| Net loans and leases to core deposits | 133.1938% | 1,256 |
| Total domestic deposits to total assets | 74.6619% | 6,835 |
| Equity capital to assets | 8.7104% | 5,939 |
| Core capital (leverage) ratio | 8.7205% | 5,098 |
| Tier 1 risk-based capital ratio | 11.9270% | 5,036 |
| Total risk-based capital ratio | 12.6918% | 5,436 |
| Memoranda: | ||
| Average total assets | $293,403,750 | 2,276 |
| Average earning assets | $263,177,750 | 2,308 |
| Average equity | $25,037,000 | 2,636 |
| Average total loans | $227,363,750 | 2,071 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7219% | 3,425 |
| Cost of funding earning assets | 2.6672% | 1,119 |
| Net interest margin | 3.0547% | 6,382 |
| Noninterest income to average assets | 1.0191% | 1,527 |
| Noninterest expense to average assets | 2.9971% | 4,093 |
| Loan and lease loss provision to assets | 0.6239% | 2,558 |
| Net operating income to assets | 0.1699% | 5,350 |
| Return on assets (ROA) | 0.1699% | 5,458 |
| Pretax return on assets | 0.1411% | 5,583 |
| Return on Equity (ROE) | 2.0046% | 5,300 |
| Retained earnings to average equity (ytd only) | 0.3880% | 5,062 |
| Net charge-offs to loans | 0.7296% | 2,225 |
| Credit loss provision to net charge-offs | 109.6270% | 4,227 |
| Earnings coverage of net charge-offs (x) | 1.3442% | 4,518 |
| Efficiency ratio | 79.6650% | 3,103 |
| Assets per employee ($millions) | 3.2948% | 5,338 |
| Cash dividends to net income (ytd only)* | 80.6452% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7039% | 7,417 |
| Loan loss allowance to noncurrent loans | 16.5432% | 7,309 |
| Noncurrent assets plus other real estate owned to assets | 4.2649% | 1,352 |
| Noncurrent loans to loans | 4.2546% | 1,550 |
| Net loans and leases to total assets | 76.2551% | 2,127 |
| Net loans and leases to deposits | 102.2475% | 1,059 |
| Net loans and leases to core deposits | 128.3007% | 1,690 |
| Total domestic deposits to total assets | 74.5789% | 6,853 |
| Equity capital to assets | 8.4475% | 6,125 |
| Core capital (leverage) ratio | 8.8198% | 4,913 |
| Tier 1 risk-based capital ratio | 11.7560% | 5,140 |
| Total risk-based capital ratio | 12.4735% | 5,581 |
| Memoranda: | ||
| Average total assets | $292,013,000 | 2,302 |
| Average earning assets | $262,219,000 | 2,329 |
| Average equity | $24,742,670 | 2,663 |
| Average total loans | $227,796,670 | 2,098 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9186% | 2,709 |
| Cost of funding earning assets | 2.7225% | 1,197 |
| Net interest margin | 3.1961% | 5,871 |
| Noninterest income to average assets | 0.8456% | 2,099 |
| Noninterest expense to average assets | 3.0034% | 3,755 |
| Loan and lease loss provision to assets | 0.2814% | 3,710 |
| Net operating income to assets | 0.3267% | 5,181 |
| Return on assets (ROA) | 0.3267% | 5,363 |
| Pretax return on assets | 0.4324% | 5,303 |
| Return on Equity (ROE) | 3.8498% | 5,003 |
| Retained earnings to average equity (ytd only) | 0.6147% | 5,410 |
| Net charge-offs to loans | 0.7019% | 1,782 |
| Credit loss provision to net charge-offs | 50.9950% | 4,663 |
| Earnings coverage of net charge-offs (x) | 1.2935% | 4,092 |
| Efficiency ratio | 80.7976% | 2,698 |
| Assets per employee ($millions) | 3.2291% | 5,520 |
| Cash dividends to net income (ytd only)* | 84.0336% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5734% | 7,712 |
| Loan loss allowance to noncurrent loans | 23.7473% | 6,973 |
| Noncurrent assets plus other real estate owned to assets | 2.7080% | 2,097 |
| Noncurrent loans to loans | 2.4145% | 2,728 |
| Net loans and leases to total assets | 76.3490% | 2,196 |
| Net loans and leases to deposits | 102.2053% | 1,156 |
| Net loans and leases to core deposits | 132.7380% | 1,488 |
| Total domestic deposits to total assets | 74.7016% | 6,766 |
| Equity capital to assets | 8.3904% | 6,250 |
| Core capital (leverage) ratio | 8.6974% | 5,154 |
| Tier 1 risk-based capital ratio | 11.8358% | 5,089 |
| Total risk-based capital ratio | 12.4329% | 5,634 |
| Memoranda: | ||
| Average total assets | $291,403,000 | 2,326 |
| Average earning assets | $261,820,500 | 2,351 |
| Average equity | $24,728,500 | 2,680 |
| Average total loans | $229,100,000 | 2,104 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5531% | 2,702 |
| Cost of funding earning assets | 3.0293% | 1,754 |
| Net interest margin | 3.5238% | 5,215 |
| Noninterest income to average assets | 0.5409% | 4,310 |
| Noninterest expense to average assets | 3.0125% | 4,041 |
| Loan and lease loss provision to assets | 0.2293% | 4,596 |
| Net operating income to assets | 0.3323% | 5,434 |
| Return on assets (ROA) | 0.4273% | 4,859 |
| Pretax return on assets | 0.6037% | 4,683 |
| Return on Equity (ROE) | 4.7900% | 4,472 |
| Retained earnings to average equity (ytd only) | 1.5563% | 4,286 |
| Net charge-offs to loans | 0.2927% | 3,441 |
| Credit loss provision to net charge-offs | 97.9969% | 5,448 |
| Earnings coverage of net charge-offs (x) | 2.9877% | 4,593 |
| Efficiency ratio | 81.1620% | 2,418 |
| Assets per employee ($millions) | 3.2469% | 5,343 |
| Cash dividends to net income (ytd only)* | 67.5105% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6541% | 7,537 |
| Loan loss allowance to noncurrent loans | 50.4188% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 1.7440% | 2,805 |
| Noncurrent loans to loans | 1.2974% | 3,917 |
| Net loans and leases to total assets | 79.9960% | 1,664 |
| Net loans and leases to deposits | 110.0688% | 826 |
| Net loans and leases to core deposits | 132.6033% | 1,684 |
| Total domestic deposits to total assets | 72.6782% | 6,890 |
| Equity capital to assets | 8.5854% | 5,957 |
| Core capital (leverage) ratio | 9.0438% | 4,678 |
| Tier 1 risk-based capital ratio | 11.9198% | 4,891 |
| Total risk-based capital ratio | 12.6106% | 5,278 |
| Memoranda: | ||
| Average total assets | $277,310,800 | 2,325 |
| Average earning assets | $249,530,000 | 2,376 |
| Average equity | $24,738,800 | 2,662 |
| Average total loans | $221,729,800 | 2,113 |