Home > Lone Star Capital Bank > Performance and Condition Ratios
Lone Star Capital 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 | 5.1096% | 2,909 |
| Cost of funding earning assets | 2.3416% | 1,140 |
| Net interest margin | 2.7680% | 3,751 |
| Noninterest income to average assets | 0.2200% | 3,425 |
| Noninterest expense to average assets | 2.4650% | 2,403 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.2497% | 3,924 |
| Return on assets (ROA) | 0.2497% | 3,953 |
| Pretax return on assets | 0.2861% | 3,951 |
| Return on Equity (ROE) | 2.7700% | 3,897 |
| Retained earnings to average equity (ytd only) | 2.7730% | 3,146 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 89.3948% | 521 |
| Assets per employee ($millions) | 7.4537% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 2,270 |
| Loan loss allowance to noncurrent loans | 169.1962% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 1,722 |
| Noncurrent loans to loans | 0.7011% | 1,459 |
| Net loans and leases to total assets | 57.3800% | 3,092 |
| Net loans and leases to deposits | 65.7390% | 3,149 |
| Net loans and leases to core deposits | 71.5977% | 3,212 |
| Total domestic deposits to total assets | 87.2900% | 1,815 |
| Equity capital to assets | 9.2602% | 2,739 |
| Core capital (leverage) ratio | 10.1254% | 2,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1285% | 1,234 |
| Memoranda: | ||
| Average total assets | $494,928,500 | 1,793 |
| Average earning assets | $453,030,500 | 1,805 |
| Average equity | $44,572,500 | 1,890 |
| Average total loans | $294,633,500 | 1,902 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1857% | 2,757 |
| Cost of funding earning assets | 2.6321% | 912 |
| Net interest margin | 2.5536% | 3,841 |
| Noninterest income to average assets | 0.3200% | 2,938 |
| Noninterest expense to average assets | 2.5278% | 2,231 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.1036% | 4,093 |
| Return on assets (ROA) | 0.0916% | 4,124 |
| Pretax return on assets | 0.1022% | 4,121 |
| Return on Equity (ROE) | 1.0700% | 4,096 |
| Retained earnings to average equity (ytd only) | 1.0672% | 3,656 |
| Net charge-offs to loans | -0.0003% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 94.9873% | 364 |
| Assets per employee ($millions) | 7.1130% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 2,613 |
| Loan loss allowance to noncurrent loans | 543.1090% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 2,836 |
| Noncurrent loans to loans | 0.2055% | 2,694 |
| Net loans and leases to total assets | 60.2900% | 2,912 |
| Net loans and leases to deposits | 68.7093% | 3,036 |
| Net loans and leases to core deposits | 75.4278% | 3,077 |
| Total domestic deposits to total assets | 87.7500% | 1,612 |
| Equity capital to assets | 8.7546% | 3,011 |
| Core capital (leverage) ratio | 9.8195% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2355% | 1,468 |
| Memoranda: | ||
| Average total assets | $504,144,400 | 1,760 |
| Average earning assets | $461,071,600 | 1,771 |
| Average equity | $43,292,400 | 1,878 |
| Average total loans | $306,751,000 | 1,827 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1259% | 2,807 |
| Cost of funding earning assets | 2.6505% | 908 |
| Net interest margin | 2.4755% | 3,928 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 2.4288% | 2,444 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.0773% | 4,140 |
| Return on assets (ROA) | 0.0625% | 4,190 |
| Pretax return on assets | 0.0548% | 4,196 |
| Return on Equity (ROE) | 0.7300% | 4,164 |
| Retained earnings to average equity (ytd only) | 0.7312% | 3,798 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 96.5235% | 347 |
| Assets per employee ($millions) | 6.9772% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 2,864 |
| Loan loss allowance to noncurrent loans | 230.0819% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 1,862 |
| Noncurrent loans to loans | 0.4687% | 1,912 |
| Net loans and leases to total assets | 60.7500% | 2,862 |
| Net loans and leases to deposits | 70.2788% | 2,956 |
| Net loans and leases to core deposits | 77.7267% | 2,968 |
| Total domestic deposits to total assets | 86.4400% | 1,784 |
| Equity capital to assets | 9.0306% | 3,015 |
| Core capital (leverage) ratio | 9.7508% | 3,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3084% | 1,782 |
| Memoranda: | ||
| Average total assets | $505,702,750 | 1,748 |
| Average earning assets | $462,551,000 | 1,769 |
| Average equity | $43,218,000 | 1,885 |
| Average total loans | $307,541,000 | 1,820 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0544% | 2,852 |
| Cost of funding earning assets | 2.6192% | 897 |
| Net interest margin | 2.4352% | 3,957 |
| Noninterest income to average assets | 0.2600% | 3,278 |
| Noninterest expense to average assets | 2.4238% | 2,454 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.0634% | 4,164 |
| Return on assets (ROA) | 0.0412% | 4,215 |
| Pretax return on assets | 0.0258% | 4,220 |
| Return on Equity (ROE) | 0.4900% | 4,197 |
| Retained earnings to average equity (ytd only) | 0.4918% | 3,720 |
| Net charge-offs to loans | 0.0033% | 2,366 |
| Credit loss provision to net charge-offs | 600.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 30.2000% | 1,386 |
| Efficiency ratio | 97.3504% | 337 |
| Assets per employee ($millions) | 7.0155% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 3,061 |
| Loan loss allowance to noncurrent loans | 537.1795% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 2,035 |
| Noncurrent loans to loans | 0.1941% | 2,723 |
| Net loans and leases to total assets | 62.1400% | 2,749 |
| Net loans and leases to deposits | 71.1609% | 2,899 |
| Net loans and leases to core deposits | 78.8068% | 2,873 |
| Total domestic deposits to total assets | 87.3200% | 1,532 |
| Equity capital to assets | 8.2869% | 3,241 |
| Core capital (leverage) ratio | 9.7636% | 3,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6649% | 2,003 |
| Memoranda: | ||
| Average total assets | $504,492,667 | 1,752 |
| Average earning assets | $460,981,000 | 1,765 |
| Average equity | $42,292,000 | 1,890 |
| Average total loans | $305,795,000 | 1,825 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9433% | 2,902 |
| Cost of funding earning assets | 2.5019% | 987 |
| Net interest margin | 2.4414% | 3,952 |
| Noninterest income to average assets | 0.2800% | 3,064 |
| Noninterest expense to average assets | 2.5222% | 2,178 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | -0.0013% | 4,290 |
| Return on assets (ROA) | -0.0272% | 4,298 |
| Pretax return on assets | -0.0591% | 4,293 |
| Return on Equity (ROE) | -0.3200% | 4,277 |
| Retained earnings to average equity (ytd only) | -0.3224% | 3,771 |
| Net charge-offs to loans | 0.0067% | 1,844 |
| Credit loss provision to net charge-offs | 300.0000% | 656 |
| Earnings coverage of net charge-offs (x) | -3.6000% | 4,527 |
| Efficiency ratio | 100.3504% | 288 |
| Assets per employee ($millions) | 6.9600% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 2,870 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 2,573 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 59.6200% | 2,898 |
| Net loans and leases to deposits | 68.4273% | 3,018 |
| Net loans and leases to core deposits | 76.9081% | 2,921 |
| Total domestic deposits to total assets | 87.1300% | 1,731 |
| Equity capital to assets | 8.2406% | 3,206 |
| Core capital (leverage) ratio | 10.0053% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8218% | 1,947 |
| Memoranda: | ||
| Average total assets | $500,677,000 | 1,761 |
| Average earning assets | $456,616,000 | 1,779 |
| Average equity | $42,188,000 | 1,889 |
| Average total loans | $297,910,000 | 1,850 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6664% | 2,752 |
| Cost of funding earning assets | 1.9782% | 942 |
| Net interest margin | 2.6882% | 3,837 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.6230% | 1,945 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.0693% | 4,274 |
| Return on assets (ROA) | 0.0651% | 4,305 |
| Pretax return on assets | 0.0618% | 4,304 |
| Return on Equity (ROE) | 0.7800% | 4,280 |
| Retained earnings to average equity (ytd only) | 0.7755% | 3,881 |
| Net charge-offs to loans | 0.1013% | 901 |
| Credit loss provision to net charge-offs | 116.8966% | 1,702 |
| Earnings coverage of net charge-offs (x) | 2.2621% | 2,703 |
| Efficiency ratio | 94.8372% | 279 |
| Assets per employee ($millions) | 6.6659% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 2,553 |
| Loan loss allowance to noncurrent loans | 109.2252% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8954% | 557 |
| Noncurrent loans to loans | 1.0519% | 699 |
| Net loans and leases to total assets | 58.0300% | 3,034 |
| Net loans and leases to deposits | 65.3498% | 3,211 |
| Net loans and leases to core deposits | 73.4719% | 3,100 |
| Total domestic deposits to total assets | 88.8000% | 1,121 |
| Equity capital to assets | 8.6173% | 2,958 |
| Core capital (leverage) ratio | 10.1648% | 2,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1928% | 1,804 |
| Memoranda: | ||
| Average total assets | $480,827,400 | 1,771 |
| Average earning assets | $439,399,200 | 1,777 |
| Average equity | $40,363,600 | 1,877 |
| Average total loans | $286,400,800 | 1,840 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5321% | 2,841 |
| Cost of funding earning assets | 1.8125% | 989 |
| Net interest margin | 2.7196% | 3,857 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.5992% | 1,946 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.1298% | 4,291 |
| Return on assets (ROA) | 0.1245% | 4,317 |
| Pretax return on assets | 0.1292% | 4,322 |
| Return on Equity (ROE) | 1.4900% | 4,262 |
| Retained earnings to average equity (ytd only) | 1.4931% | 3,845 |
| Net charge-offs to loans | -0.0009% | 3,477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 94.3824% | 261 |
| Assets per employee ($millions) | 6.3674% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 2,586 |
| Loan loss allowance to noncurrent loans | 136.0998% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.5191% | 1,125 |
| Noncurrent loans to loans | 0.8504% | 974 |
| Net loans and leases to total assets | 60.3400% | 2,807 |
| Net loans and leases to deposits | 67.8506% | 2,989 |
| Net loans and leases to core deposits | 76.3938% | 2,839 |
| Total domestic deposits to total assets | 88.9200% | 1,286 |
| Equity capital to assets | 7.9382% | 3,095 |
| Core capital (leverage) ratio | 10.4565% | 2,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6087% | 1,681 |
| Memoranda: | ||
| Average total assets | $477,716,000 | 1,779 |
| Average earning assets | $436,725,750 | 1,783 |
| Average equity | $39,827,750 | 1,878 |
| Average total loans | $285,607,250 | 1,851 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4552% | 2,754 |
| Cost of funding earning assets | 1.5803% | 1,110 |
| Net interest margin | 2.8749% | 3,691 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.5777% | 1,985 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.2531% | 4,226 |
| Return on assets (ROA) | 0.2459% | 4,256 |
| Pretax return on assets | 0.2851% | 4,244 |
| Return on Equity (ROE) | 2.9000% | 4,169 |
| Retained earnings to average equity (ytd only) | 2.9039% | 3,502 |
| Net charge-offs to loans | -0.0042% | 3,672 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.9433% | 386 |
| Assets per employee ($millions) | 6.1460% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 2,651 |
| Loan loss allowance to noncurrent loans | 169.1527% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.4111% | 1,299 |
| Noncurrent loans to loans | 0.6864% | 1,090 |
| Net loans and leases to total assets | 59.2000% | 2,845 |
| Net loans and leases to deposits | 67.4083% | 2,955 |
| Net loans and leases to core deposits | 74.9273% | 2,834 |
| Total domestic deposits to total assets | 87.8300% | 1,666 |
| Equity capital to assets | 8.5081% | 2,856 |
| Core capital (leverage) ratio | 10.4618% | 2,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1374% | 1,531 |
| Memoranda: | ||
| Average total assets | $479,892,333 | 1,774 |
| Average earning assets | $439,661,333 | 1,786 |
| Average equity | $40,635,667 | 1,855 |
| Average total loans | $284,936,000 | 1,842 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 2,585 |
| Cost of funding earning assets | 1.2942% | 1,240 |
| Net interest margin | 3.0937% | 3,367 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.5692% | 2,053 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.4170% | 4,063 |
| Return on assets (ROA) | 0.4032% | 4,031 |
| Pretax return on assets | 0.4857% | 4,008 |
| Return on Equity (ROE) | 4.7700% | 3,919 |
| Retained earnings to average equity (ytd only) | 4.7732% | 3,069 |
| Net charge-offs to loans | -0.0070% | 3,741 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.9157% | 651 |
| Assets per employee ($millions) | 6.1131% | 2,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 2,700 |
| Loan loss allowance to noncurrent loans | 254.9307% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 1,795 |
| Noncurrent loans to loans | 0.4603% | 1,564 |
| Net loans and leases to total assets | 57.7100% | 2,891 |
| Net loans and leases to deposits | 65.4413% | 2,979 |
| Net loans and leases to core deposits | 78.7979% | 2,332 |
| Total domestic deposits to total assets | 88.1800% | 1,861 |
| Equity capital to assets | 8.6499% | 2,785 |
| Core capital (leverage) ratio | 10.4481% | 2,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4885% | 1,495 |
| Memoranda: | ||
| Average total assets | $480,144,000 | 1,793 |
| Average earning assets | $441,029,500 | 1,802 |
| Average equity | $40,560,000 | 1,878 |
| Average total loans | $283,828,000 | 1,865 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 2,302 |
| Cost of funding earning assets | 0.3772% | 2,283 |
| Net interest margin | 3.4156% | 2,200 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.6614% | 1,648 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.5707% | 3,941 |
| Return on assets (ROA) | 0.5707% | 3,905 |
| Pretax return on assets | 0.6967% | 3,850 |
| Return on Equity (ROE) | 6.2800% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.2816% | 2,540 |
| Net charge-offs to loans | -0.0070% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.6932% | 947 |
| Assets per employee ($millions) | 6.2810% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 2,656 |
| Loan loss allowance to noncurrent loans | 267.6735% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 1,877 |
| Noncurrent loans to loans | 0.4288% | 1,642 |
| Net loans and leases to total assets | 59.1500% | 2,714 |
| Net loans and leases to deposits | 66.7703% | 2,837 |
| Net loans and leases to core deposits | 78.2236% | 2,256 |
| Total domestic deposits to total assets | 88.5900% | 1,848 |
| Equity capital to assets | 8.2427% | 2,900 |
| Core capital (leverage) ratio | 10.3920% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4684% | 1,485 |
| Memoranda: | ||
| Average total assets | $472,536,200 | 1,794 |
| Average earning assets | $439,606,000 | 1,789 |
| Average equity | $42,934,800 | 1,825 |
| Average total loans | $272,582,800 | 1,847 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6397% | 2,221 |
| Cost of funding earning assets | 0.2803% | 2,384 |
| Net interest margin | 3.3595% | 2,104 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.6562% | 1,576 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.5731% | 3,905 |
| Return on assets (ROA) | 0.5731% | 3,856 |
| Pretax return on assets | 0.6996% | 3,800 |
| Return on Equity (ROE) | 6.1600% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.1628% | 2,698 |
| Net charge-offs to loans | -0.0079% | 3,619 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.4983% | 956 |
| Assets per employee ($millions) | 5.9840% | 2,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 3,091 |
| Loan loss allowance to noncurrent loans | 50,166.6667% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,024 |
| Noncurrent loans to loans | 0.0022% | 3,959 |
| Net loans and leases to total assets | 58.8800% | 2,613 |
| Net loans and leases to deposits | 63.8111% | 2,880 |
| Net loans and leases to core deposits | 71.5950% | 2,517 |
| Total domestic deposits to total assets | 92.2700% | 789 |
| Equity capital to assets | 7.2486% | 3,371 |
| Core capital (leverage) ratio | 10.2435% | 2,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5603% | 1,545 |
| Memoranda: | ||
| Average total assets | $471,331,250 | 1,807 |
| Average earning assets | $439,104,500 | 1,799 |
| Average equity | $43,831,750 | 1,818 |
| Average total loans | $269,314,500 | 1,855 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4970% | 2,155 |
| Cost of funding earning assets | 0.2695% | 2,033 |
| Net interest margin | 3.2275% | 2,111 |
| Noninterest income to average assets | 0.2995% | 3,366 |
| Noninterest expense to average assets | 2.5843% | 1,684 |
| Loan and lease loss provision to assets | 0.0634% | 1,462 |
| Net operating income to assets | 0.5414% | 3,790 |
| Return on assets (ROA) | 0.5414% | 3,744 |
| Pretax return on assets | 0.6607% | 3,683 |
| Return on Equity (ROE) | 5.4278% | 3,724 |
| Retained earnings to average equity (ytd only) | 5.4278% | 2,543 |
| Net charge-offs to loans | -0.0098% | 3,588 |
| Credit loss provision to net charge-offs | -1,153.8462% | 3,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9212% | 1,088 |
| Assets per employee ($millions) | 5.9042% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 3,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.3864% | 2,815 |
| Net loans and leases to deposits | 61.3211% | 2,946 |
| Net loans and leases to core deposits | 68.2574% | 2,630 |
| Total domestic deposits to total assets | 90.3220% | 1,567 |
| Equity capital to assets | 8.8322% | 2,516 |
| Core capital (leverage) ratio | 10.0528% | 2,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6839% | 1,511 |
| Memoranda: | ||
| Average total assets | $472,857,000 | 1,811 |
| Average earning assets | $440,834,667 | 1,812 |
| Average equity | $47,164,667 | 1,757 |
| Average total loans | $266,479,000 | 1,868 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3962% | 2,095 |
| Cost of funding earning assets | 0.2718% | 1,911 |
| Net interest margin | 3.1244% | 2,094 |
| Noninterest income to average assets | 0.3230% | 3,172 |
| Noninterest expense to average assets | 2.6142% | 1,565 |
| Loan and lease loss provision to assets | 0.0634% | 1,280 |
| Net operating income to assets | 0.4430% | 3,866 |
| Return on assets (ROA) | 0.4430% | 3,830 |
| Pretax return on assets | 0.5614% | 3,726 |
| Return on Equity (ROE) | 4.2014% | 3,827 |
| Retained earnings to average equity (ytd only) | 4.2014% | 2,866 |
| Net charge-offs to loans | -0.0165% | 3,811 |
| Credit loss provision to net charge-offs | -681.8182% | 3,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5273% | 1,105 |
| Assets per employee ($millions) | 5.8997% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 3,509 |
| Loan loss allowance to noncurrent loans | 4,837.2881% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 3,941 |
| Noncurrent loans to loans | 0.0218% | 3,836 |
| Net loans and leases to total assets | 56.0328% | 2,522 |
| Net loans and leases to deposits | 62.3383% | 2,686 |
| Net loans and leases to core deposits | 69.7500% | 2,312 |
| Total domestic deposits to total assets | 89.8850% | 1,634 |
| Equity capital to assets | 9.5850% | 2,219 |
| Core capital (leverage) ratio | 10.0062% | 2,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3307% | 1,686 |
| Memoranda: | ||
| Average total assets | $473,116,500 | 1,816 |
| Average earning assets | $441,558,000 | 1,819 |
| Average equity | $49,888,000 | 1,746 |
| Average total loans | $267,447,500 | 1,846 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7751% | 1,927 |
| Cost of funding earning assets | 0.3679% | 1,778 |
| Net interest margin | 3.4072% | 2,002 |
| Noninterest income to average assets | 0.2819% | 3,707 |
| Noninterest expense to average assets | 2.8942% | 1,166 |
| Loan and lease loss provision to assets | 0.0978% | 1,270 |
| Net operating income to assets | 0.3801% | 4,307 |
| Return on assets (ROA) | 0.3801% | 4,336 |
| Pretax return on assets | 0.4549% | 4,320 |
| Return on Equity (ROE) | 3.2358% | 4,329 |
| Retained earnings to average equity (ytd only) | 3.2358% | 3,533 |
| Net charge-offs to loans | -0.0197% | 3,971 |
| Credit loss provision to net charge-offs | -822.9167% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8240% | 581 |
| Assets per employee ($millions) | 6.0826% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 3,582 |
| Loan loss allowance to noncurrent loans | 1,370.2970% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 3,700 |
| Noncurrent loans to loans | 0.0764% | 3,549 |
| Net loans and leases to total assets | 55.8347% | 2,640 |
| Net loans and leases to deposits | 63.5809% | 2,725 |
| Net loans and leases to core deposits | 70.2632% | 2,419 |
| Total domestic deposits to total assets | 87.8168% | 2,143 |
| Equity capital to assets | 11.5236% | 1,500 |
| Core capital (leverage) ratio | 9.8951% | 2,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5591% | 1,669 |
| Memoranda: | ||
| Average total assets | $404,079,400 | 1,973 |
| Average earning assets | $375,353,800 | 1,988 |
| Average equity | $47,469,400 | 1,845 |
| Average total loans | $243,196,200 | 1,974 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7447% | 2,160 |
| Cost of funding earning assets | 0.3840% | 1,830 |
| Net interest margin | 3.3607% | 2,266 |
| Noninterest income to average assets | 0.2856% | 3,738 |
| Noninterest expense to average assets | 2.8194% | 1,299 |
| Loan and lease loss provision to assets | 0.1018% | 1,184 |
| Net operating income to assets | 0.3975% | 4,375 |
| Return on assets (ROA) | 0.3952% | 4,414 |
| Pretax return on assets | 0.4770% | 4,397 |
| Return on Equity (ROE) | 3.3446% | 4,414 |
| Retained earnings to average equity (ytd only) | 3.3446% | 3,789 |
| Net charge-offs to loans | -0.0106% | 3,699 |
| Credit loss provision to net charge-offs | -1,557.8947% | 3,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9039% | 584 |
| Assets per employee ($millions) | 5.7823% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 3,816 |
| Loan loss allowance to noncurrent loans | 91.3894% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 1,206 |
| Noncurrent loans to loans | 1.1012% | 1,018 |
| Net loans and leases to total assets | 56.6493% | 2,656 |
| Net loans and leases to deposits | 64.8124% | 2,753 |
| Net loans and leases to core deposits | 72.2839% | 2,404 |
| Total domestic deposits to total assets | 87.4051% | 2,153 |
| Equity capital to assets | 11.7601% | 1,508 |
| Core capital (leverage) ratio | 10.2686% | 2,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6866% | 1,729 |
| Memoranda: | ||
| Average total assets | $388,009,500 | 2,051 |
| Average earning assets | $359,681,250 | 2,061 |
| Average equity | $45,843,750 | 1,919 |
| Average total loans | $237,926,500 | 2,040 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7265% | 2,264 |
| Cost of funding earning assets | 0.4009% | 1,878 |
| Net interest margin | 3.3255% | 2,360 |
| Noninterest income to average assets | 0.2880% | 3,700 |
| Noninterest expense to average assets | 2.7928% | 1,373 |
| Loan and lease loss provision to assets | 0.1107% | 1,142 |
| Net operating income to assets | 0.3743% | 4,433 |
| Return on assets (ROA) | 0.3706% | 4,473 |
| Pretax return on assets | 0.4544% | 4,449 |
| Return on Equity (ROE) | 3.1308% | 4,455 |
| Retained earnings to average equity (ytd only) | 3.1308% | 3,804 |
| Net charge-offs to loans | -0.0017% | 3,171 |
| Credit loss provision to net charge-offs | -10,050.0000% | 4,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0631% | 610 |
| Assets per employee ($millions) | 5.5472% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 3,929 |
| Loan loss allowance to noncurrent loans | 112.1675% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 1,617 |
| Noncurrent loans to loans | 0.8648% | 1,421 |
| Net loans and leases to total assets | 59.1653% | 2,525 |
| Net loans and leases to deposits | 67.9646% | 2,622 |
| Net loans and leases to core deposits | 77.9555% | 2,052 |
| Total domestic deposits to total assets | 87.0531% | 2,286 |
| Equity capital to assets | 12.2355% | 1,257 |
| Core capital (leverage) ratio | 10.2102% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4683% | 1,480 |
| Memoranda: | ||
| Average total assets | $363,151,667 | 2,143 |
| Average earning assets | $335,705,333 | 2,162 |
| Average equity | $42,991,667 | 1,996 |
| Average total loans | $228,997,333 | 2,101 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8075% | 2,083 |
| Cost of funding earning assets | 0.4408% | 1,795 |
| Net interest margin | 3.3666% | 2,200 |
| Noninterest income to average assets | 0.3060% | 3,581 |
| Noninterest expense to average assets | 2.7221% | 1,566 |
| Loan and lease loss provision to assets | 0.1561% | 821 |
| Net operating income to assets | 0.4368% | 4,292 |
| Return on assets (ROA) | 0.4287% | 4,346 |
| Pretax return on assets | 0.5216% | 4,308 |
| Return on Equity (ROE) | 3.7066% | 4,344 |
| Retained earnings to average equity (ytd only) | 3.7066% | 3,590 |
| Net charge-offs to loans | -0.0019% | 3,128 |
| Credit loss provision to net charge-offs | -12,600.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8328% | 829 |
| Assets per employee ($millions) | 5.0000% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,839 |
| Loan loss allowance to noncurrent loans | 106.8007% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.6979% | 1,344 |
| Noncurrent loans to loans | 1.1397% | 1,174 |
| Net loans and leases to total assets | 60.4914% | 2,482 |
| Net loans and leases to deposits | 68.4592% | 2,655 |
| Net loans and leases to core deposits | 76.6622% | 2,294 |
| Total domestic deposits to total assets | 88.3613% | 1,675 |
| Equity capital to assets | 11.0736% | 1,809 |
| Core capital (leverage) ratio | 9.4367% | 3,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4922% | 2,090 |
| Memoranda: | ||
| Average total assets | $322,840,000 | 2,328 |
| Average earning assets | $297,627,000 | 2,350 |
| Average equity | $37,338,500 | 2,189 |
| Average total loans | $210,929,500 | 2,209 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3697% | 1,670 |
| Cost of funding earning assets | 0.5552% | 2,577 |
| Net interest margin | 3.8145% | 1,458 |
| Noninterest income to average assets | 0.3499% | 3,367 |
| Noninterest expense to average assets | 3.1178% | 1,195 |
| Loan and lease loss provision to assets | 0.1351% | 2,673 |
| Net operating income to assets | 0.4707% | 4,094 |
| Return on assets (ROA) | 0.4677% | 4,182 |
| Pretax return on assets | 0.5633% | 4,157 |
| Return on Equity (ROE) | 3.5497% | 4,256 |
| Retained earnings to average equity (ytd only) | 3.5497% | 3,061 |
| Net charge-offs to loans | -0.0015% | 3,964 |
| Credit loss provision to net charge-offs | -12,533.3333% | 4,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6232% | 770 |
| Assets per employee ($millions) | 4.7796% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 3,497 |
| Loan loss allowance to noncurrent loans | 100.6800% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 1,355 |
| Noncurrent loans to loans | 1.0858% | 1,304 |
| Net loans and leases to total assets | 68.9929% | 1,690 |
| Net loans and leases to deposits | 79.4082% | 1,936 |
| Net loans and leases to core deposits | 91.7149% | 1,406 |
| Total domestic deposits to total assets | 86.8838% | 1,994 |
| Equity capital to assets | 12.0962% | 1,519 |
| Core capital (leverage) ratio | 9.7153% | 2,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9166% | 2,274 |
| Memoranda: | ||
| Average total assets | $278,369,600 | 2,408 |
| Average earning assets | $253,220,800 | 2,452 |
| Average equity | $36,679,000 | 2,145 |
| Average total loans | $199,094,000 | 2,240 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 1,928 |
| Cost of funding earning assets | 0.5748% | 2,772 |
| Net interest margin | 3.7949% | 1,631 |
| Noninterest income to average assets | 0.3438% | 3,415 |
| Noninterest expense to average assets | 3.1521% | 1,153 |
| Loan and lease loss provision to assets | 0.0518% | 3,706 |
| Net operating income to assets | 0.4838% | 4,077 |
| Return on assets (ROA) | 0.4760% | 4,174 |
| Pretax return on assets | 0.5727% | 4,152 |
| Return on Equity (ROE) | 3.5295% | 4,285 |
| Retained earnings to average equity (ytd only) | 3.5295% | 3,296 |
| Net charge-offs to loans | -0.0021% | 3,885 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2573% | 655 |
| Assets per employee ($millions) | 4.7297% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 3,748 |
| Loan loss allowance to noncurrent loans | 89.1203% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 1,435 |
| Noncurrent loans to loans | 1.1097% | 1,359 |
| Net loans and leases to total assets | 71.5929% | 1,726 |
| Net loans and leases to deposits | 83.0211% | 2,016 |
| Net loans and leases to core deposits | 94.2733% | 1,619 |
| Total domestic deposits to total assets | 86.2347% | 1,966 |
| Equity capital to assets | 12.7256% | 1,316 |
| Core capital (leverage) ratio | 10.2678% | 2,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1985% | 2,108 |
| Memoranda: | ||
| Average total assets | $270,292,750 | 2,436 |
| Average earning assets | $245,162,750 | 2,483 |
| Average equity | $36,453,750 | 2,145 |
| Average total loans | $194,689,000 | 2,284 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5011% | 1,910 |
| Cost of funding earning assets | 0.5939% | 2,999 |
| Net interest margin | 3.9072% | 1,547 |
| Noninterest income to average assets | 0.3427% | 3,420 |
| Noninterest expense to average assets | 3.2660% | 1,050 |
| Loan and lease loss provision to assets | 0.0343% | 3,836 |
| Net operating income to assets | 0.4772% | 4,068 |
| Return on assets (ROA) | 0.4645% | 4,163 |
| Pretax return on assets | 0.5589% | 4,138 |
| Return on Equity (ROE) | 3.3733% | 4,265 |
| Retained earnings to average equity (ytd only) | 3.3733% | 3,235 |
| Net charge-offs to loans | -0.0021% | 3,832 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2964% | 624 |
| Assets per employee ($millions) | 4.4566% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 3,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 69.7514% | 2,069 |
| Net loans and leases to deposits | 81.0844% | 2,304 |
| Net loans and leases to core deposits | 92.1512% | 1,891 |
| Total domestic deposits to total assets | 86.0232% | 2,000 |
| Equity capital to assets | 12.9786% | 1,174 |
| Core capital (leverage) ratio | 10.6397% | 2,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8468% | 1,877 |
| Memoranda: | ||
| Average total assets | $262,642,333 | 2,461 |
| Average earning assets | $237,409,000 | 2,506 |
| Average equity | $36,166,000 | 2,145 |
| Average total loans | $188,905,667 | 2,317 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6507% | 1,852 |
| Cost of funding earning assets | 0.6440% | 3,197 |
| Net interest margin | 4.0067% | 1,374 |
| Noninterest income to average assets | 0.3692% | 3,306 |
| Noninterest expense to average assets | 3.3053% | 1,217 |
| Loan and lease loss provision to assets | 0.0239% | 3,502 |
| Net operating income to assets | 0.5385% | 3,781 |
| Return on assets (ROA) | 0.5124% | 3,922 |
| Pretax return on assets | 0.6222% | 3,884 |
| Return on Equity (ROE) | 3.6038% | 4,069 |
| Retained earnings to average equity (ytd only) | 3.6038% | 2,847 |
| Net charge-offs to loans | -0.0022% | 3,670 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9804% | 902 |
| Assets per employee ($millions) | 3.9307% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 3,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 72.2713% | 1,876 |
| Net loans and leases to deposits | 85.3793% | 2,071 |
| Net loans and leases to core deposits | 97.1166% | 1,707 |
| Total domestic deposits to total assets | 84.6474% | 2,546 |
| Equity capital to assets | 14.2821% | 970 |
| Core capital (leverage) ratio | 11.4501% | 2,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4765% | 1,761 |
| Memoranda: | ||
| Average total assets | $251,352,000 | 2,485 |
| Average earning assets | $226,720,500 | 2,521 |
| Average equity | $35,740,000 | 2,157 |
| Average total loans | $182,867,000 | 2,330 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6960% | 2,339 |
| Cost of funding earning assets | 0.6268% | 3,525 |
| Net interest margin | 4.0692% | 1,625 |
| Noninterest income to average assets | 0.4101% | 3,232 |
| Noninterest expense to average assets | 3.4493% | 1,032 |
| Loan and lease loss provision to assets | 0.0060% | 3,886 |
| Net operating income to assets | 0.4978% | 4,409 |
| Return on assets (ROA) | 0.4985% | 4,462 |
| Pretax return on assets | 0.5961% | 4,420 |
| Return on Equity (ROE) | 3.5742% | 4,562 |
| Retained earnings to average equity (ytd only) | 3.5742% | 3,215 |
| Net charge-offs to loans | -0.0006% | 4,152 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1547% | 596 |
| Assets per employee ($millions) | 3.8051% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 2,987 |
| Loan loss allowance to noncurrent loans | 667.7852% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 4,044 |
| Noncurrent loans to loans | 0.1638% | 3,876 |
| Net loans and leases to total assets | 71.6451% | 2,140 |
| Net loans and leases to deposits | 84.5379% | 2,278 |
| Net loans and leases to core deposits | 97.0705% | 1,809 |
| Total domestic deposits to total assets | 84.7490% | 2,593 |
| Equity capital to assets | 14.1560% | 1,040 |
| Core capital (leverage) ratio | 11.2068% | 2,328 |
| Tier 1 risk-based capital ratio | 14.5018% | 3,016 |
| Total risk-based capital ratio | 15.5710% | 3,017 |
| Memoranda: | ||
| Average total assets | $248,945,600 | 2,470 |
| Average earning assets | $222,722,000 | 2,516 |
| Average equity | $34,721,000 | 2,158 |
| Average total loans | $177,900,000 | 2,343 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 2,552 |
| Cost of funding earning assets | 0.6217% | 3,578 |
| Net interest margin | 4.0311% | 1,834 |
| Noninterest income to average assets | 0.3843% | 3,414 |
| Noninterest expense to average assets | 3.4047% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4841% | 4,561 |
| Return on assets (ROA) | 0.4863% | 4,594 |
| Pretax return on assets | 0.5808% | 4,576 |
| Return on Equity (ROE) | 3.5000% | 4,680 |
| Retained earnings to average equity (ytd only) | 3.5000% | 3,656 |
| Net charge-offs to loans | -0.0015% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4852% | 528 |
| Assets per employee ($millions) | 3.7681% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 3,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 70.9877% | 2,324 |
| Net loans and leases to deposits | 83.3800% | 2,520 |
| Net loans and leases to core deposits | 94.2528% | 2,158 |
| Total domestic deposits to total assets | 85.1375% | 2,374 |
| Equity capital to assets | 13.7810% | 1,242 |
| Core capital (leverage) ratio | 11.1620% | 2,502 |
| Tier 1 risk-based capital ratio | 14.1683% | 3,242 |
| Total risk-based capital ratio | 15.2179% | 3,262 |
| Memoranda: | ||
| Average total assets | $248,397,500 | 2,490 |
| Average earning assets | $221,737,500 | 2,540 |
| Average equity | $34,513,500 | 2,177 |
| Average total loans | $176,895,500 | 2,377 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6298% | 2,582 |
| Cost of funding earning assets | 0.6139% | 3,580 |
| Net interest margin | 4.0159% | 1,872 |
| Noninterest income to average assets | 0.3849% | 3,367 |
| Noninterest expense to average assets | 3.4208% | 1,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4604% | 4,616 |
| Return on assets (ROA) | 0.4500% | 4,668 |
| Pretax return on assets | 0.5289% | 4,656 |
| Return on Equity (ROE) | 3.2294% | 4,745 |
| Retained earnings to average equity (ytd only) | 3.2294% | 3,613 |
| Net charge-offs to loans | -0.0023% | 3,977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3422% | 528 |
| Assets per employee ($millions) | 3.6239% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 3,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 72.3916% | 2,162 |
| Net loans and leases to deposits | 86.2146% | 2,233 |
| Net loans and leases to core deposits | 94.9858% | 2,158 |
| Total domestic deposits to total assets | 83.9667% | 2,884 |
| Equity capital to assets | 14.1556% | 1,067 |
| Core capital (leverage) ratio | 11.1006% | 2,502 |
| Tier 1 risk-based capital ratio | 14.6515% | 2,993 |
| Total risk-based capital ratio | 15.7513% | 2,988 |
| Memoranda: | ||
| Average total assets | $245,787,000 | 2,520 |
| Average earning assets | $218,927,330 | 2,570 |
| Average equity | $34,247,670 | 2,182 |
| Average total loans | $174,572,000 | 2,410 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 2,880 |
| Cost of funding earning assets | 0.5922% | 3,614 |
| Net interest margin | 3.9043% | 2,175 |
| Noninterest income to average assets | 0.4074% | 3,140 |
| Noninterest expense to average assets | 3.3324% | 1,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4266% | 4,673 |
| Return on assets (ROA) | 0.3992% | 4,746 |
| Pretax return on assets | 0.5003% | 4,682 |
| Return on Equity (ROE) | 2.8883% | 4,810 |
| Retained earnings to average equity (ytd only) | 2.8883% | 3,782 |
| Net charge-offs to loans | -0.0023% | 3,882 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1778% | 570 |
| Assets per employee ($millions) | 3.7501% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 2,880 |
| Loan loss allowance to noncurrent loans | 257.0313% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 3,363 |
| Noncurrent loans to loans | 0.4458% | 2,988 |
| Net loans and leases to total assets | 68.8111% | 2,646 |
| Net loans and leases to deposits | 80.9963% | 2,730 |
| Net loans and leases to core deposits | 88.6044% | 2,631 |
| Total domestic deposits to total assets | 84.9559% | 2,694 |
| Equity capital to assets | 13.8559% | 1,090 |
| Core capital (leverage) ratio | 11.1785% | 2,408 |
| Tier 1 risk-based capital ratio | 14.7148% | 2,991 |
| Total risk-based capital ratio | 15.8317% | 2,993 |
| Memoranda: | ||
| Average total assets | $245,468,000 | 2,550 |
| Average earning assets | $217,504,500 | 2,605 |
| Average equity | $33,930,000 | 2,190 |
| Average total loans | $171,675,000 | 2,462 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4528% | 2,596 |
| Cost of funding earning assets | 0.4137% | 3,904 |
| Net interest margin | 4.0391% | 1,857 |
| Noninterest income to average assets | 0.4078% | 3,394 |
| Noninterest expense to average assets | 3.3760% | 1,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5236% | 4,608 |
| Return on assets (ROA) | 0.5261% | 4,599 |
| Pretax return on assets | 0.6218% | 4,596 |
| Return on Equity (ROE) | 3.8803% | 4,740 |
| Retained earnings to average equity (ytd only) | 3.8803% | 3,446 |
| Net charge-offs to loans | -0.0143% | 4,598 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5082% | 616 |
| Assets per employee ($millions) | 3.6883% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 2,811 |
| Loan loss allowance to noncurrent loans | 475.4217% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 3,964 |
| Noncurrent loans to loans | 0.2426% | 3,714 |
| Net loans and leases to total assets | 69.4620% | 2,658 |
| Net loans and leases to deposits | 83.2178% | 2,602 |
| Net loans and leases to core deposits | 91.4144% | 2,459 |
| Total domestic deposits to total assets | 83.4701% | 3,167 |
| Equity capital to assets | 13.7887% | 1,035 |
| Core capital (leverage) ratio | 11.1946% | 2,361 |
| Tier 1 risk-based capital ratio | 14.6837% | 2,970 |
| Total risk-based capital ratio | 15.8081% | 2,954 |
| Memoranda: | ||
| Average total assets | $242,538,800 | 2,527 |
| Average earning assets | $215,394,600 | 2,596 |
| Average equity | $32,884,200 | 2,158 |
| Average total loans | $167,700,000 | 2,460 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 2,678 |
| Cost of funding earning assets | 0.3775% | 4,007 |
| Net interest margin | 4.0053% | 1,939 |
| Noninterest income to average assets | 0.4187% | 3,363 |
| Noninterest expense to average assets | 3.3416% | 1,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5357% | 4,684 |
| Return on assets (ROA) | 0.5376% | 4,683 |
| Pretax return on assets | 0.6405% | 4,656 |
| Return on Equity (ROE) | 3.9819% | 4,821 |
| Retained earnings to average equity (ytd only) | 3.9819% | 3,783 |
| Net charge-offs to loans | 0.0008% | 3,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1,162.8797% | 68 |
| Efficiency ratio | 83.9624% | 643 |
| Assets per employee ($millions) | 3.6411% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 2,963 |
| Loan loss allowance to noncurrent loans | 250.3856% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 3,389 |
| Noncurrent loans to loans | 0.4552% | 3,021 |
| Net loans and leases to total assets | 70.3101% | 2,594 |
| Net loans and leases to deposits | 82.2260% | 2,787 |
| Net loans and leases to core deposits | 90.1747% | 2,648 |
| Total domestic deposits to total assets | 85.5084% | 2,393 |
| Equity capital to assets | 13.6710% | 1,068 |
| Core capital (leverage) ratio | 11.1352% | 2,473 |
| Tier 1 risk-based capital ratio | 14.5589% | 3,092 |
| Total risk-based capital ratio | 15.6726% | 3,076 |
| Memoranda: | ||
| Average total assets | $242,315,750 | 2,536 |
| Average earning assets | $215,442,250 | 2,606 |
| Average equity | $32,713,750 | 2,175 |
| Average total loans | $166,858,750 | 2,480 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 2,550 |
| Cost of funding earning assets | 0.3577% | 4,023 |
| Net interest margin | 4.0005% | 1,861 |
| Noninterest income to average assets | 0.4280% | 3,309 |
| Noninterest expense to average assets | 3.3805% | 1,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5120% | 4,722 |
| Return on assets (ROA) | 0.5120% | 4,728 |
| Pretax return on assets | 0.6099% | 4,724 |
| Return on Equity (ROE) | 3.8081% | 4,866 |
| Retained earnings to average equity (ytd only) | 3.8081% | 3,697 |
| Net charge-offs to loans | -0.0012% | 3,903 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7153% | 648 |
| Assets per employee ($millions) | 3.9064% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,852 |
| Loan loss allowance to noncurrent loans | 851.0917% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 4,530 |
| Noncurrent loans to loans | 0.1381% | 4,282 |
| Net loans and leases to total assets | 68.7946% | 2,755 |
| Net loans and leases to deposits | 80.6244% | 2,884 |
| Net loans and leases to core deposits | 88.1364% | 2,705 |
| Total domestic deposits to total assets | 85.3272% | 2,555 |
| Equity capital to assets | 13.8011% | 991 |
| Core capital (leverage) ratio | 10.9304% | 2,578 |
| Tier 1 risk-based capital ratio | 14.6727% | 3,031 |
| Total risk-based capital ratio | 15.8112% | 3,007 |
| Memoranda: | ||
| Average total assets | $242,984,000 | 2,547 |
| Average earning assets | $216,373,330 | 2,616 |
| Average equity | $32,667,330 | 2,185 |
| Average total loans | $165,508,000 | 2,502 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2469% | 2,722 |
| Cost of funding earning assets | 0.3528% | 3,962 |
| Net interest margin | 3.8941% | 2,066 |
| Noninterest income to average assets | 0.4125% | 3,378 |
| Noninterest expense to average assets | 3.3212% | 1,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4745% | 4,756 |
| Return on assets (ROA) | 0.4745% | 4,758 |
| Pretax return on assets | 0.5641% | 4,761 |
| Return on Equity (ROE) | 3.5752% | 4,875 |
| Retained earnings to average equity (ytd only) | 3.5752% | 3,774 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4805% | 682 |
| Assets per employee ($millions) | 3.7247% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 2,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 4,829 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 66.9606% | 2,895 |
| Net loans and leases to deposits | 78.0054% | 3,016 |
| Net loans and leases to core deposits | 85.0950% | 2,883 |
| Total domestic deposits to total assets | 85.8410% | 2,615 |
| Equity capital to assets | 13.3833% | 1,079 |
| Core capital (leverage) ratio | 10.7540% | 2,683 |
| Tier 1 risk-based capital ratio | 14.8857% | 2,930 |
| Total risk-based capital ratio | 16.0555% | 2,903 |
| Memoranda: | ||
| Average total assets | $245,330,000 | 2,553 |
| Average earning assets | $218,794,500 | 2,622 |
| Average equity | $32,557,500 | 2,201 |
| Average total loans | $165,321,500 | 2,521 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3142% | 2,274 |
| Cost of funding earning assets | 0.3778% | 3,437 |
| Net interest margin | 3.9364% | 1,964 |
| Noninterest income to average assets | 0.3923% | 3,690 |
| Noninterest expense to average assets | 3.2510% | 1,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4715% | 4,453 |
| Return on assets (ROA) | 0.4966% | 4,419 |
| Pretax return on assets | 0.7060% | 4,493 |
| Return on Equity (ROE) | 3.8415% | 4,549 |
| Retained earnings to average equity (ytd only) | 3.8415% | 2,913 |
| Net charge-offs to loans | -0.0071% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9088% | 858 |
| Assets per employee ($millions) | 3.7659% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 2,953 |
| Loan loss allowance to noncurrent loans | 535.1648% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 4,143 |
| Noncurrent loans to loans | 0.2185% | 4,034 |
| Net loans and leases to total assets | 66.2356% | 3,070 |
| Net loans and leases to deposits | 79.0916% | 3,012 |
| Net loans and leases to core deposits | 86.8567% | 2,839 |
| Total domestic deposits to total assets | 83.7455% | 3,295 |
| Equity capital to assets | 13.1614% | 1,184 |
| Core capital (leverage) ratio | 10.2222% | 3,163 |
| Tier 1 risk-based capital ratio | 14.3991% | 3,139 |
| Total risk-based capital ratio | 15.5439% | 3,094 |
| Memoranda: | ||
| Average total assets | $248,291,800 | 2,500 |
| Average earning assets | $222,588,400 | 2,563 |
| Average equity | $32,097,200 | 2,215 |
| Average total loans | $167,886,200 | 2,445 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 2,442 |
| Cost of funding earning assets | 0.3738% | 3,429 |
| Net interest margin | 3.8733% | 2,132 |
| Noninterest income to average assets | 0.3932% | 3,735 |
| Noninterest expense to average assets | 3.2507% | 1,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4516% | 4,879 |
| Return on assets (ROA) | 0.4920% | 4,785 |
| Pretax return on assets | 0.6709% | 4,676 |
| Return on Equity (ROE) | 3.8233% | 4,908 |
| Retained earnings to average equity (ytd only) | 3.8233% | 3,643 |
| Net charge-offs to loans | -0.0063% | 4,505 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0789% | 745 |
| Assets per employee ($millions) | 3.8665% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 3,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 4,944 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 67.7345% | 2,879 |
| Net loans and leases to deposits | 80.5025% | 2,920 |
| Net loans and leases to core deposits | 88.0895% | 2,762 |
| Total domestic deposits to total assets | 84.1396% | 3,067 |
| Equity capital to assets | 12.7603% | 1,508 |
| Core capital (leverage) ratio | 10.1382% | 3,396 |
| Tier 1 risk-based capital ratio | 13.5737% | 3,656 |
| Total risk-based capital ratio | 14.6644% | 3,673 |
| Memoranda: | ||
| Average total assets | $248,226,750 | 2,521 |
| Average earning assets | $222,576,750 | 2,580 |
| Average equity | $31,943,250 | 2,238 |
| Average total loans | $168,213,250 | 2,459 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 2,457 |
| Cost of funding earning assets | 0.3756% | 3,332 |
| Net interest margin | 3.8289% | 2,179 |
| Noninterest income to average assets | 0.3896% | 3,752 |
| Noninterest expense to average assets | 3.2606% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4106% | 4,960 |
| Return on assets (ROA) | 0.4587% | 4,854 |
| Pretax return on assets | 0.6271% | 4,745 |
| Return on Equity (ROE) | 3.5542% | 4,962 |
| Retained earnings to average equity (ytd only) | 3.5542% | 3,592 |
| Net charge-offs to loans | -0.0084% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3160% | 741 |
| Assets per employee ($millions) | 3.7340% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 3,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 4,958 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 68.1885% | 2,787 |
| Net loans and leases to deposits | 81.3423% | 2,762 |
| Net loans and leases to core deposits | 88.3680% | 2,671 |
| Total domestic deposits to total assets | 83.8291% | 3,271 |
| Equity capital to assets | 13.0948% | 1,328 |
| Core capital (leverage) ratio | 10.1717% | 3,309 |
| Tier 1 risk-based capital ratio | 13.6222% | 3,628 |
| Total risk-based capital ratio | 14.7323% | 3,623 |
| Memoranda: | ||
| Average total assets | $245,906,000 | 2,549 |
| Average earning assets | $220,431,330 | 2,612 |
| Average equity | $31,736,670 | 2,245 |
| Average total loans | $166,019,330 | 2,484 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0978% | 2,658 |
| Cost of funding earning assets | 0.3722% | 3,284 |
| Net interest margin | 3.7256% | 2,397 |
| Noninterest income to average assets | 0.3924% | 3,719 |
| Noninterest expense to average assets | 3.2031% | 1,600 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3883% | 4,976 |
| Return on assets (ROA) | 0.3990% | 4,969 |
| Pretax return on assets | 0.5455% | 4,850 |
| Return on Equity (ROE) | 3.1141% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.1141% | 3,854 |
| Net charge-offs to loans | -0.0146% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7828% | 815 |
| Assets per employee ($millions) | 3.7848% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 3,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 5,041 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 66.8462% | 2,843 |
| Net loans and leases to deposits | 79.4457% | 2,821 |
| Net loans and leases to core deposits | 86.5705% | 2,671 |
| Total domestic deposits to total assets | 84.1407% | 3,426 |
| Equity capital to assets | 12.8814% | 1,313 |
| Core capital (leverage) ratio | 10.0731% | 3,410 |
| Tier 1 risk-based capital ratio | 13.5627% | 3,744 |
| Total risk-based capital ratio | 14.6650% | 3,744 |
| Memoranda: | ||
| Average total assets | $245,638,000 | 2,572 |
| Average earning assets | $220,316,000 | 2,635 |
| Average equity | $31,469,500 | 2,262 |
| Average total loans | $164,035,000 | 2,528 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1476% | 2,669 |
| Cost of funding earning assets | 0.3888% | 3,115 |
| Net interest margin | 3.7588% | 2,474 |
| Noninterest income to average assets | 0.4507% | 3,540 |
| Noninterest expense to average assets | 3.3337% | 1,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3698% | 5,034 |
| Return on assets (ROA) | 0.3755% | 5,099 |
| Pretax return on assets | 0.5006% | 5,021 |
| Return on Equity (ROE) | 2.8799% | 5,191 |
| Retained earnings to average equity (ytd only) | 2.8799% | 3,846 |
| Net charge-offs to loans | 0.0525% | 2,990 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 14.1190% | 2,313 |
| Efficiency ratio | 86.7558% | 765 |
| Assets per employee ($millions) | 3.6606% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 3,142 |
| Loan loss allowance to noncurrent loans | 888.0734% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0889% | 4,983 |
| Noncurrent loans to loans | 0.1348% | 4,693 |
| Net loans and leases to total assets | 65.1308% | 3,205 |
| Net loans and leases to deposits | 77.3980% | 3,170 |
| Net loans and leases to core deposits | 84.5365% | 2,974 |
| Total domestic deposits to total assets | 84.1504% | 3,372 |
| Equity capital to assets | 12.7411% | 1,373 |
| Core capital (leverage) ratio | 9.8568% | 3,683 |
| Tier 1 risk-based capital ratio | 13.7166% | 3,641 |
| Total risk-based capital ratio | 14.8396% | 3,619 |
| Memoranda: | ||
| Average total assets | $240,510,800 | 2,572 |
| Average earning assets | $216,026,400 | 2,640 |
| Average equity | $31,354,800 | 2,264 |
| Average total loans | $160,151,400 | 2,519 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1328% | 2,749 |
| Cost of funding earning assets | 0.3874% | 3,151 |
| Net interest margin | 3.7455% | 2,534 |
| Noninterest income to average assets | 0.4657% | 3,455 |
| Noninterest expense to average assets | 3.3237% | 1,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3790% | 5,095 |
| Return on assets (ROA) | 0.3861% | 5,153 |
| Pretax return on assets | 0.5181% | 5,083 |
| Return on Equity (ROE) | 2.9444% | 5,233 |
| Retained earnings to average equity (ytd only) | 2.9444% | 4,141 |
| Net charge-offs to loans | 0.0910% | 2,053 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 8.3761% | 2,776 |
| Efficiency ratio | 86.3643% | 796 |
| Assets per employee ($millions) | 3.4830% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 3,383 |
| Loan loss allowance to noncurrent loans | 1,395.6204% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 5,230 |
| Noncurrent loans to loans | 0.0844% | 5,009 |
| Net loans and leases to total assets | 65.8063% | 3,155 |
| Net loans and leases to deposits | 78.7860% | 3,105 |
| Net loans and leases to core deposits | 85.9137% | 2,955 |
| Total domestic deposits to total assets | 83.5254% | 3,388 |
| Equity capital to assets | 13.0577% | 1,461 |
| Core capital (leverage) ratio | 9.8438% | 3,759 |
| Tier 1 risk-based capital ratio | 13.5205% | 3,849 |
| Total risk-based capital ratio | 14.6237% | 3,850 |
| Memoranda: | ||
| Average total assets | $239,323,000 | 2,592 |
| Average earning assets | $215,117,000 | 2,657 |
| Average equity | $31,381,250 | 2,277 |
| Average total loans | $159,770,000 | 2,528 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0828% | 2,931 |
| Cost of funding earning assets | 0.3840% | 3,221 |
| Net interest margin | 3.6988% | 2,700 |
| Noninterest income to average assets | 0.4819% | 3,318 |
| Noninterest expense to average assets | 3.3058% | 1,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3741% | 5,110 |
| Return on assets (ROA) | 0.3835% | 5,164 |
| Pretax return on assets | 0.5180% | 5,099 |
| Return on Equity (ROE) | 2.9203% | 5,264 |
| Retained earnings to average equity (ytd only) | 2.9203% | 4,054 |
| Net charge-offs to loans | 0.1397% | 1,488 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.4144% | 2,860 |
| Efficiency ratio | 86.3857% | 846 |
| Assets per employee ($millions) | 3.4546% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 3,315 |
| Loan loss allowance to noncurrent loans | 875.6881% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 4,846 |
| Noncurrent loans to loans | 0.1379% | 4,884 |
| Net loans and leases to total assets | 63.6777% | 3,412 |
| Net loans and leases to deposits | 76.0014% | 3,382 |
| Net loans and leases to core deposits | 83.4028% | 3,135 |
| Total domestic deposits to total assets | 83.7848% | 3,353 |
| Equity capital to assets | 12.9152% | 1,558 |
| Core capital (leverage) ratio | 10.1473% | 3,390 |
| Tier 1 risk-based capital ratio | 13.6367% | 3,813 |
| Total risk-based capital ratio | 14.7604% | 3,805 |
| Memoranda: | ||
| Average total assets | $237,827,000 | 2,617 |
| Average earning assets | $214,068,000 | 2,670 |
| Average equity | $31,229,670 | 2,292 |
| Average total loans | $158,908,330 | 2,546 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 2,590 |
| Cost of funding earning assets | 0.3861% | 3,228 |
| Net interest margin | 3.7828% | 2,357 |
| Noninterest income to average assets | 0.4460% | 3,517 |
| Noninterest expense to average assets | 3.3490% | 1,486 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3653% | 5,092 |
| Return on assets (ROA) | 0.3742% | 5,146 |
| Pretax return on assets | 0.5058% | 5,072 |
| Return on Equity (ROE) | 2.8253% | 5,289 |
| Retained earnings to average equity (ytd only) | 2.8253% | 4,103 |
| Net charge-offs to loans | -0.0025% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7556% | 910 |
| Assets per employee ($millions) | 3.3098% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 3,031 |
| Loan loss allowance to noncurrent loans | 480.0475% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 4,853 |
| Noncurrent loans to loans | 0.2655% | 4,485 |
| Net loans and leases to total assets | 66.6211% | 2,870 |
| Net loans and leases to deposits | 79.9101% | 2,800 |
| Net loans and leases to core deposits | 87.8659% | 2,577 |
| Total domestic deposits to total assets | 83.3701% | 3,761 |
| Equity capital to assets | 13.2753% | 1,275 |
| Core capital (leverage) ratio | 10.2471% | 3,262 |
| Tier 1 risk-based capital ratio | 13.6959% | 3,872 |
| Total risk-based capital ratio | 14.9036% | 3,825 |
| Memoranda: | ||
| Average total assets | $234,102,500 | 2,657 |
| Average earning assets | $210,322,500 | 2,716 |
| Average equity | $31,005,500 | 2,303 |
| Average total loans | $159,315,000 | 2,535 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 2,879 |
| Cost of funding earning assets | 0.4052% | 3,098 |
| Net interest margin | 3.7040% | 2,735 |
| Noninterest income to average assets | 0.4355% | 3,783 |
| Noninterest expense to average assets | 3.2417% | 1,856 |
| Loan and lease loss provision to assets | 0.0063% | 4,268 |
| Net operating income to assets | 0.3796% | 5,109 |
| Return on assets (ROA) | 0.3843% | 5,183 |
| Pretax return on assets | 0.5286% | 5,047 |
| Return on Equity (ROE) | 2.9974% | 5,306 |
| Retained earnings to average equity (ytd only) | 2.9974% | 3,930 |
| Net charge-offs to loans | 0.0145% | 4,006 |
| Credit loss provision to net charge-offs | 68.1818% | 3,153 |
| Earnings coverage of net charge-offs (x) | 56.7727% | 906 |
| Efficiency ratio | 85.5427% | 1,035 |
| Assets per employee ($millions) | 3.3799% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 3,098 |
| Loan loss allowance to noncurrent loans | 13,466.6667% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 5,688 |
| Noncurrent loans to loans | 0.0094% | 5,498 |
| Net loans and leases to total assets | 67.7641% | 2,737 |
| Net loans and leases to deposits | 81.1454% | 2,692 |
| Net loans and leases to core deposits | 89.1855% | 2,479 |
| Total domestic deposits to total assets | 83.5094% | 3,671 |
| Equity capital to assets | 13.2133% | 1,249 |
| Core capital (leverage) ratio | 10.0296% | 3,468 |
| Tier 1 risk-based capital ratio | 13.4494% | 4,032 |
| Total risk-based capital ratio | 14.6459% | 4,003 |
| Memoranda: | ||
| Average total assets | $236,294,000 | 2,612 |
| Average earning assets | $212,740,200 | 2,651 |
| Average equity | $30,292,600 | 2,302 |
| Average total loans | $152,176,600 | 2,567 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 2,916 |
| Cost of funding earning assets | 0.4079% | 3,142 |
| Net interest margin | 3.6957% | 2,789 |
| Noninterest income to average assets | 0.4302% | 3,862 |
| Noninterest expense to average assets | 3.2137% | 1,933 |
| Loan and lease loss provision to assets | 0.0084% | 4,093 |
| Net operating income to assets | 0.3860% | 5,210 |
| Return on assets (ROA) | 0.3864% | 5,294 |
| Pretax return on assets | 0.5360% | 5,134 |
| Return on Equity (ROE) | 3.0369% | 5,374 |
| Retained earnings to average equity (ytd only) | 3.0369% | 4,281 |
| Net charge-offs to loans | 0.0204% | 3,532 |
| Credit loss provision to net charge-offs | 65.2174% | 2,838 |
| Earnings coverage of net charge-offs (x) | 42.0378% | 1,195 |
| Efficiency ratio | 85.0921% | 1,077 |
| Assets per employee ($millions) | 3.3603% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 2,962 |
| Loan loss allowance to noncurrent loans | 9,619.0476% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 5,768 |
| Noncurrent loans to loans | 0.0138% | 5,582 |
| Net loans and leases to total assets | 64.7460% | 3,192 |
| Net loans and leases to deposits | 77.5804% | 3,143 |
| Net loans and leases to core deposits | 86.9229% | 2,758 |
| Total domestic deposits to total assets | 83.4566% | 3,626 |
| Equity capital to assets | 13.1910% | 1,357 |
| Core capital (leverage) ratio | 9.9239% | 3,738 |
| Tier 1 risk-based capital ratio | 14.0725% | 3,812 |
| Total risk-based capital ratio | 15.3227% | 3,752 |
| Memoranda: | ||
| Average total assets | $237,064,500 | 2,615 |
| Average earning assets | $213,431,000 | 2,664 |
| Average equity | $30,162,000 | 2,325 |
| Average total loans | $150,207,250 | 2,605 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0671% | 3,020 |
| Cost of funding earning assets | 0.4052% | 3,220 |
| Net interest margin | 3.6619% | 2,869 |
| Noninterest income to average assets | 0.4163% | 3,957 |
| Noninterest expense to average assets | 3.1633% | 2,085 |
| Loan and lease loss provision to assets | 0.0126% | 3,867 |
| Net operating income to assets | 0.3905% | 5,161 |
| Return on assets (ROA) | 0.3911% | 5,270 |
| Pretax return on assets | 0.5410% | 5,114 |
| Return on Equity (ROE) | 3.1112% | 5,373 |
| Retained earnings to average equity (ytd only) | 3.1112% | 4,065 |
| Net charge-offs to loans | 0.0308% | 3,047 |
| Credit loss provision to net charge-offs | 65.2174% | 2,534 |
| Earnings coverage of net charge-offs (x) | 28.6957% | 1,405 |
| Efficiency ratio | 84.6743% | 1,191 |
| Assets per employee ($millions) | 3.4294% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 2,962 |
| Loan loss allowance to noncurrent loans | 2,376.4706% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 5,722 |
| Noncurrent loans to loans | 0.0570% | 5,507 |
| Net loans and leases to total assets | 63.0615% | 3,404 |
| Net loans and leases to deposits | 75.1744% | 3,365 |
| Net loans and leases to core deposits | 85.8451% | 2,785 |
| Total domestic deposits to total assets | 83.8869% | 3,619 |
| Equity capital to assets | 12.9290% | 1,438 |
| Core capital (leverage) ratio | 9.7724% | 3,908 |
| Tier 1 risk-based capital ratio | 14.1240% | 3,855 |
| Total risk-based capital ratio | 15.3742% | 3,781 |
| Memoranda: | ||
| Average total assets | $238,798,330 | 2,619 |
| Average earning assets | $215,190,330 | 2,669 |
| Average equity | $30,021,000 | 2,339 |
| Average total loans | $149,562,330 | 2,625 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 3,279 |
| Cost of funding earning assets | 0.3907% | 3,402 |
| Net interest margin | 3.5950% | 3,020 |
| Noninterest income to average assets | 0.4023% | 3,987 |
| Noninterest expense to average assets | 3.1176% | 2,213 |
| Loan and lease loss provision to assets | 0.0248% | 3,376 |
| Net operating income to assets | 0.3663% | 5,198 |
| Return on assets (ROA) | 0.3676% | 5,315 |
| Pretax return on assets | 0.5066% | 5,168 |
| Return on Equity (ROE) | 2.9643% | 5,391 |
| Retained earnings to average equity (ytd only) | 2.9643% | 4,193 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0204% | 1,268 |
| Assets per employee ($millions) | 3.3687% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 3,065 |
| Loan loss allowance to noncurrent loans | 4,441.3043% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 5,864 |
| Noncurrent loans to loans | 0.0308% | 5,673 |
| Net loans and leases to total assets | 63.3062% | 3,192 |
| Net loans and leases to deposits | 75.5065% | 3,115 |
| Net loans and leases to core deposits | 85.5088% | 2,600 |
| Total domestic deposits to total assets | 83.8421% | 3,876 |
| Equity capital to assets | 12.9820% | 1,414 |
| Core capital (leverage) ratio | 9.7780% | 3,918 |
| Tier 1 risk-based capital ratio | 14.4657% | 3,741 |
| Total risk-based capital ratio | 15.7166% | 3,667 |
| Memoranda: | ||
| Average total assets | $241,599,500 | 2,625 |
| Average earning assets | $218,079,500 | 2,661 |
| Average equity | $29,956,500 | 2,357 |
| Average total loans | $149,805,000 | 2,626 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1096% | 3,291 |
| Cost of funding earning assets | 0.4445% | 3,228 |
| Net interest margin | 3.6651% | 3,145 |
| Noninterest income to average assets | 0.3402% | 4,671 |
| Noninterest expense to average assets | 2.9834% | 2,891 |
| Loan and lease loss provision to assets | 0.1123% | 2,296 |
| Net operating income to assets | 0.3888% | 5,255 |
| Return on assets (ROA) | 0.3925% | 5,316 |
| Pretax return on assets | 0.5571% | 5,084 |
| Return on Equity (ROE) | 3.3159% | 5,368 |
| Retained earnings to average equity (ytd only) | 3.3159% | 3,866 |
| Net charge-offs to loans | -0.0067% | 5,506 |
| Credit loss provision to net charge-offs | -2,750.0000% | 6,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3571% | 1,729 |
| Assets per employee ($millions) | 3.6877% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 3,183 |
| Loan loss allowance to noncurrent loans | 8,445.8333% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 6,031 |
| Noncurrent loans to loans | 0.0160% | 5,841 |
| Net loans and leases to total assets | 59.1768% | 3,900 |
| Net loans and leases to deposits | 69.3863% | 3,987 |
| Net loans and leases to core deposits | 77.6959% | 3,546 |
| Total domestic deposits to total assets | 85.2860% | 3,169 |
| Equity capital to assets | 11.8591% | 2,121 |
| Core capital (leverage) ratio | 9.0480% | 4,907 |
| Tier 1 risk-based capital ratio | 13.4101% | 4,460 |
| Total risk-based capital ratio | 14.6605% | 4,406 |
| Memoranda: | ||
| Average total assets | $244,855,600 | 2,575 |
| Average earning assets | $220,946,400 | 2,616 |
| Average equity | $28,981,400 | 2,347 |
| Average total loans | $149,364,800 | 2,579 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1316% | 3,246 |
| Cost of funding earning assets | 0.4527% | 3,215 |
| Net interest margin | 3.6789% | 3,107 |
| Noninterest income to average assets | 0.3583% | 4,567 |
| Noninterest expense to average assets | 2.9785% | 2,872 |
| Loan and lease loss provision to assets | 0.1342% | 1,864 |
| Net operating income to assets | 0.3794% | 5,325 |
| Return on assets (ROA) | 0.3835% | 5,387 |
| Pretax return on assets | 0.5686% | 5,132 |
| Return on Equity (ROE) | 3.2415% | 5,455 |
| Retained earnings to average equity (ytd only) | 3.2415% | 4,321 |
| Net charge-offs to loans | -0.0045% | 5,283 |
| Credit loss provision to net charge-offs | -4,900.0000% | 6,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6081% | 1,824 |
| Assets per employee ($millions) | 3.3750% | 5,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 3,580 |
| Loan loss allowance to noncurrent loans | 7,972.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 5,793 |
| Noncurrent loans to loans | 0.0165% | 5,964 |
| Net loans and leases to total assets | 62.4904% | 3,410 |
| Net loans and leases to deposits | 73.7446% | 3,465 |
| Net loans and leases to core deposits | 83.1175% | 2,984 |
| Total domestic deposits to total assets | 84.7390% | 3,443 |
| Equity capital to assets | 12.2559% | 1,861 |
| Core capital (leverage) ratio | 9.0683% | 4,970 |
| Tier 1 risk-based capital ratio | 13.2296% | 4,708 |
| Total risk-based capital ratio | 14.4577% | 4,659 |
| Memoranda: | ||
| Average total assets | $243,379,000 | 2,599 |
| Average earning assets | $219,441,500 | 2,644 |
| Average equity | $28,792,250 | 2,369 |
| Average total loans | $149,101,000 | 2,588 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0858% | 3,405 |
| Cost of funding earning assets | 0.4483% | 3,345 |
| Net interest margin | 3.6375% | 3,202 |
| Noninterest income to average assets | 0.3859% | 4,354 |
| Noninterest expense to average assets | 2.9890% | 2,868 |
| Loan and lease loss provision to assets | 0.1390% | 1,782 |
| Net operating income to assets | 0.3595% | 5,375 |
| Return on assets (ROA) | 0.3654% | 5,420 |
| Pretax return on assets | 0.5502% | 5,132 |
| Return on Equity (ROE) | 3.1258% | 5,485 |
| Retained earnings to average equity (ytd only) | 3.1258% | 4,219 |
| Net charge-offs to loans | -0.0081% | 5,276 |
| Credit loss provision to net charge-offs | -2,833.3333% | 5,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0160% | 1,875 |
| Assets per employee ($millions) | 3.3581% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 4,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 5,885 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 64.6317% | 2,977 |
| Net loans and leases to deposits | 77.5217% | 2,863 |
| Net loans and leases to core deposits | 86.2788% | 2,485 |
| Total domestic deposits to total assets | 83.3723% | 4,166 |
| Equity capital to assets | 12.2221% | 1,839 |
| Core capital (leverage) ratio | 8.7304% | 5,358 |
| Tier 1 risk-based capital ratio | 13.0718% | 4,870 |
| Total risk-based capital ratio | 14.2547% | 4,842 |
| Memoranda: | ||
| Average total assets | $244,630,670 | 2,595 |
| Average earning assets | $220,811,000 | 2,637 |
| Average equity | $28,600,330 | 2,370 |
| Average total loans | $148,223,000 | 2,602 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9763% | 3,785 |
| Cost of funding earning assets | 0.4611% | 3,299 |
| Net interest margin | 3.5153% | 3,621 |
| Noninterest income to average assets | 0.4682% | 3,646 |
| Noninterest expense to average assets | 3.0113% | 2,830 |
| Loan and lease loss provision to assets | 0.1534% | 1,579 |
| Net operating income to assets | 0.3423% | 5,345 |
| Return on assets (ROA) | 0.3423% | 5,404 |
| Pretax return on assets | 0.4796% | 5,230 |
| Return on Equity (ROE) | 2.9933% | 5,460 |
| Retained earnings to average equity (ytd only) | 2.9933% | 4,316 |
| Net charge-offs to loans | -0.0111% | 5,089 |
| Credit loss provision to net charge-offs | -2,375.0000% | 5,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1887% | 1,901 |
| Assets per employee ($millions) | 3.6065% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 4,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 5,990 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 60.3510% | 3,498 |
| Net loans and leases to deposits | 70.3770% | 3,552 |
| Net loans and leases to core deposits | 77.8305% | 3,220 |
| Total domestic deposits to total assets | 85.7538% | 3,494 |
| Equity capital to assets | 11.4935% | 2,256 |
| Core capital (leverage) ratio | 8.5698% | 5,561 |
| Tier 1 risk-based capital ratio | 12.8890% | 5,070 |
| Total risk-based capital ratio | 14.0216% | 5,083 |
| Memoranda: | ||
| Average total assets | $247,732,000 | 2,578 |
| Average earning assets | $223,824,000 | 2,619 |
| Average equity | $28,330,000 | 2,382 |
| Average total loans | $144,325,000 | 2,675 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7955% | 4,834 |
| Cost of funding earning assets | 0.5293% | 3,293 |
| Net interest margin | 3.2662% | 4,787 |
| Noninterest income to average assets | 0.4458% | 4,117 |
| Noninterest expense to average assets | 2.9490% | 3,204 |
| Loan and lease loss provision to assets | 0.1742% | 2,121 |
| Net operating income to assets | 0.1707% | 5,888 |
| Return on assets (ROA) | 0.1909% | 5,914 |
| Pretax return on assets | 0.2842% | 5,771 |
| Return on Equity (ROE) | 1.6501% | 5,945 |
| Retained earnings to average equity (ytd only) | 1.6501% | 5,043 |
| Net charge-offs to loans | 0.0039% | 5,402 |
| Credit loss provision to net charge-offs | 8,560.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 210.4000% | 214 |
| Efficiency ratio | 86.8009% | 1,335 |
| Assets per employee ($millions) | 3.5231% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 4,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 6,081 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 54.6935% | 4,501 |
| Net loans and leases to deposits | 63.6119% | 4,544 |
| Net loans and leases to core deposits | 70.7466% | 4,218 |
| Total domestic deposits to total assets | 85.9799% | 3,271 |
| Equity capital to assets | 11.3775% | 2,257 |
| Core capital (leverage) ratio | 8.8147% | 5,257 |
| Tier 1 risk-based capital ratio | 14.3740% | 4,032 |
| Total risk-based capital ratio | 15.5819% | 4,007 |
| Memoranda: | ||
| Average total assets | $245,642,000 | 2,572 |
| Average earning assets | $220,471,200 | 2,613 |
| Average equity | $28,423,200 | 2,345 |
| Average total loans | $127,836,800 | 2,893 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7182% | 5,115 |
| Cost of funding earning assets | 0.5454% | 3,314 |
| Net interest margin | 3.1728% | 5,079 |
| Noninterest income to average assets | 0.4113% | 4,439 |
| Noninterest expense to average assets | 2.7747% | 3,748 |
| Loan and lease loss provision to assets | 0.1771% | 2,053 |
| Net operating income to assets | 0.1986% | 5,916 |
| Return on assets (ROA) | 0.2244% | 5,934 |
| Pretax return on assets | 0.3439% | 5,762 |
| Return on Equity (ROE) | 1.9311% | 5,962 |
| Retained earnings to average equity (ytd only) | 1.9311% | 5,164 |
| Net charge-offs to loans | -0.0117% | 5,923 |
| Credit loss provision to net charge-offs | -2,963.6364% | 6,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6654% | 1,518 |
| Assets per employee ($millions) | 3.4102% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 4,807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 6,153 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 55.7079% | 4,362 |
| Net loans and leases to deposits | 65.9568% | 4,310 |
| Net loans and leases to core deposits | 73.7764% | 3,876 |
| Total domestic deposits to total assets | 84.4611% | 3,999 |
| Equity capital to assets | 11.7065% | 2,121 |
| Core capital (leverage) ratio | 8.7241% | 5,500 |
| Tier 1 risk-based capital ratio | 14.0641% | 4,379 |
| Total risk-based capital ratio | 15.2095% | 4,411 |
| Memoranda: | ||
| Average total assets | $245,398,000 | 2,588 |
| Average earning assets | $220,032,000 | 2,632 |
| Average equity | $28,514,250 | 2,370 |
| Average total loans | $125,639,250 | 2,949 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6437% | 5,313 |
| Cost of funding earning assets | 0.5394% | 3,507 |
| Net interest margin | 3.1043% | 5,262 |
| Noninterest income to average assets | 0.4114% | 4,434 |
| Noninterest expense to average assets | 2.7425% | 3,882 |
| Loan and lease loss provision to assets | 0.1785% | 2,125 |
| Net operating income to assets | 0.1806% | 5,957 |
| Return on assets (ROA) | 0.2191% | 5,973 |
| Pretax return on assets | 0.3375% | 5,781 |
| Return on Equity (ROE) | 1.8900% | 5,986 |
| Retained earnings to average equity (ytd only) | 1.8900% | 5,064 |
| Net charge-offs to loans | -0.0213% | 5,991 |
| Credit loss provision to net charge-offs | -1,692.3077% | 6,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6201% | 1,451 |
| Assets per employee ($millions) | 3.5724% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 4,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 6,201 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 53.0069% | 4,736 |
| Net loans and leases to deposits | 63.7347% | 4,541 |
| Net loans and leases to core deposits | 71.4969% | 4,110 |
| Total domestic deposits to total assets | 83.1680% | 4,638 |
| Equity capital to assets | 11.8917% | 1,980 |
| Core capital (leverage) ratio | 8.9661% | 5,052 |
| Tier 1 risk-based capital ratio | 15.2165% | 3,640 |
| Total risk-based capital ratio | 16.3364% | 3,684 |
| Memoranda: | ||
| Average total assets | $246,490,000 | 2,582 |
| Average earning assets | $221,367,670 | 2,622 |
| Average equity | $28,571,000 | 2,382 |
| Average total loans | $122,006,670 | 3,027 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5076% | 5,682 |
| Cost of funding earning assets | 0.5406% | 3,669 |
| Net interest margin | 2.9670% | 5,661 |
| Noninterest income to average assets | 0.4018% | 4,441 |
| Noninterest expense to average assets | 2.6492% | 4,244 |
| Loan and lease loss provision to assets | 0.1938% | 1,910 |
| Net operating income to assets | 0.1537% | 6,029 |
| Return on assets (ROA) | 0.2208% | 5,945 |
| Pretax return on assets | 0.3383% | 5,752 |
| Return on Equity (ROE) | 1.9280% | 5,960 |
| Retained earnings to average equity (ytd only) | 1.9280% | 5,036 |
| Net charge-offs to loans | -0.0401% | 6,032 |
| Credit loss provision to net charge-offs | -1,016.6667% | 5,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8617% | 1,533 |
| Assets per employee ($millions) | 3.4799% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 5,133 |
| Loan loss allowance to noncurrent loans | 4,540.6250% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 6,248 |
| Noncurrent loans to loans | 0.0267% | 6,413 |
| Net loans and leases to total assets | 49.3926% | 5,065 |
| Net loans and leases to deposits | 59.2133% | 4,885 |
| Net loans and leases to core deposits | 66.7671% | 4,435 |
| Total domestic deposits to total assets | 83.4146% | 4,703 |
| Equity capital to assets | 12.0017% | 2,042 |
| Core capital (leverage) ratio | 7.9909% | 6,155 |
| Tier 1 risk-based capital ratio | 15.4377% | 3,566 |
| Total risk-based capital ratio | 16.5422% | 3,614 |
| Memoranda: | ||
| Average total assets | $251,846,500 | 2,563 |
| Average earning assets | $227,166,000 | 2,594 |
| Average equity | $28,837,500 | 2,394 |
| Average total loans | $119,745,000 | 3,089 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8615% | 5,685 |
| Cost of funding earning assets | 0.7228% | 3,303 |
| Net interest margin | 3.1387% | 5,724 |
| Noninterest income to average assets | 0.3673% | 4,849 |
| Noninterest expense to average assets | 2.6019% | 4,738 |
| Loan and lease loss provision to assets | 0.2623% | 2,548 |
| Net operating income to assets | 0.1839% | 5,819 |
| Return on assets (ROA) | 0.2261% | 5,908 |
| Pretax return on assets | 0.3774% | 5,632 |
| Return on Equity (ROE) | 1.7880% | 5,965 |
| Retained earnings to average equity (ytd only) | 1.7880% | 4,960 |
| Net charge-offs to loans | -0.0237% | 6,580 |
| Credit loss provision to net charge-offs | -2,455.5556% | 6,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5583% | 1,933 |
| Assets per employee ($millions) | 4.2513% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 5,535 |
| Loan loss allowance to noncurrent loans | 3,879.4118% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 6,300 |
| Noncurrent loans to loans | 0.0285% | 6,447 |
| Net loans and leases to total assets | 44.8137% | 5,747 |
| Net loans and leases to deposits | 52.6802% | 5,759 |
| Net loans and leases to core deposits | 59.3751% | 5,418 |
| Total domestic deposits to total assets | 85.0674% | 3,832 |
| Equity capital to assets | 10.9482% | 3,013 |
| Core capital (leverage) ratio | 8.6465% | 5,400 |
| Tier 1 risk-based capital ratio | 15.0866% | 3,674 |
| Total risk-based capital ratio | 16.1079% | 3,754 |
| Memoranda: | ||
| Average total assets | $168,530,000 | 3,479 |
| Average earning assets | $150,795,200 | 3,538 |
| Average equity | $21,309,200 | 3,065 |
| Average total loans | $76,088,600 | 4,150 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 5,587 |
| Cost of funding earning assets | 0.8027% | 2,919 |
| Net interest margin | 3.1714% | 5,764 |
| Noninterest income to average assets | 0.2413% | 5,826 |
| Noninterest expense to average assets | 2.5502% | 4,917 |
| Loan and lease loss provision to assets | 0.1934% | 3,163 |
| Net operating income to assets | 0.2038% | 5,905 |
| Return on assets (ROA) | 0.2699% | 5,913 |
| Pretax return on assets | 0.4283% | 5,652 |
| Return on Equity (ROE) | 2.0114% | 6,019 |
| Retained earnings to average equity (ytd only) | 2.0114% | 5,315 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6531% | 1,739 |
| Assets per employee ($millions) | 3.7353% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5827% | 3,590 |
| Loan loss allowance to noncurrent loans | 9,709.0909% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 6,770 |
| Noncurrent loans to loans | 0.0163% | 6,608 |
| Net loans and leases to total assets | 45.5885% | 5,809 |
| Net loans and leases to deposits | 57.2354% | 5,506 |
| Net loans and leases to core deposits | 71.0943% | 4,365 |
| Total domestic deposits to total assets | 79.6509% | 5,738 |
| Equity capital to assets | 13.5581% | 1,327 |
| Core capital (leverage) ratio | 7.5387% | 6,601 |
| Tier 1 risk-based capital ratio | 15.2558% | 3,669 |
| Total risk-based capital ratio | 16.5228% | 3,613 |
| Memoranda: | ||
| Average total assets | $144,768,000 | 3,906 |
| Average earning assets | $129,068,000 | 3,960 |
| Average equity | $19,422,250 | 3,302 |
| Average total loans | $65,251,250 | 4,585 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9986% | 5,642 |
| Cost of funding earning assets | 0.8047% | 3,150 |
| Net interest margin | 3.1939% | 5,760 |
| Noninterest income to average assets | 0.2617% | 5,710 |
| Noninterest expense to average assets | 2.5169% | 5,083 |
| Loan and lease loss provision to assets | 0.2478% | 2,586 |
| Net operating income to assets | 0.2135% | 5,876 |
| Return on assets (ROA) | 0.2976% | 5,832 |
| Pretax return on assets | 0.4693% | 5,520 |
| Return on Equity (ROE) | 2.2265% | 5,973 |
| Retained earnings to average equity (ytd only) | 2.2265% | 5,077 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6783% | 2,076 |
| Assets per employee ($millions) | 3.8389% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5427% | 3,815 |
| Loan loss allowance to noncurrent loans | 17,300.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 6,854 |
| Noncurrent loans to loans | 0.0089% | 6,691 |
| Net loans and leases to total assets | 45.4130% | 5,879 |
| Net loans and leases to deposits | 56.8740% | 5,566 |
| Net loans and leases to core deposits | 70.7362% | 4,445 |
| Total domestic deposits to total assets | 79.8484% | 5,777 |
| Equity capital to assets | 13.3816% | 1,347 |
| Core capital (leverage) ratio | 7.8273% | 6,425 |
| Tier 1 risk-based capital ratio | 14.8873% | 3,839 |
| Total risk-based capital ratio | 16.1532% | 3,779 |
| Memoranda: | ||
| Average total assets | $144,465,000 | 3,931 |
| Average earning assets | $128,494,000 | 3,988 |
| Average equity | $19,312,670 | 3,308 |
| Average total loans | $64,508,330 | 4,624 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0103% | 5,724 |
| Cost of funding earning assets | 0.8278% | 3,257 |
| Net interest margin | 3.1825% | 5,823 |
| Noninterest income to average assets | 0.2170% | 6,062 |
| Noninterest expense to average assets | 2.4625% | 5,280 |
| Loan and lease loss provision to assets | 0.2087% | 2,863 |
| Net operating income to assets | 0.2324% | 5,879 |
| Return on assets (ROA) | 0.2894% | 5,862 |
| Pretax return on assets | 0.4591% | 5,560 |
| Return on Equity (ROE) | 2.1657% | 6,019 |
| Retained earnings to average equity (ytd only) | 2.1657% | 5,181 |
| Net charge-offs to loans | 0.0317% | 4,241 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 41.6000% | 723 |
| Efficiency ratio | 80.5124% | 2,141 |
| Assets per employee ($millions) | 3.7562% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 4,421 |
| Loan loss allowance to noncurrent loans | 13,328.5714% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 6,171 |
| Noncurrent loans to loans | 0.0108% | 6,764 |
| Net loans and leases to total assets | 42.5100% | 6,147 |
| Net loans and leases to deposits | 52.7733% | 5,916 |
| Net loans and leases to core deposits | 67.4909% | 4,732 |
| Total domestic deposits to total assets | 80.5520% | 5,712 |
| Equity capital to assets | 12.8089% | 1,540 |
| Core capital (leverage) ratio | 7.9032% | 6,332 |
| Tier 1 risk-based capital ratio | 14.0525% | 4,434 |
| Total risk-based capital ratio | 15.3118% | 4,390 |
| Memoranda: | ||
| Average total assets | $143,758,000 | 3,978 |
| Average earning assets | $127,573,000 | 4,026 |
| Average equity | $19,208,500 | 3,324 |
| Average total loans | $63,119,500 | 4,694 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2763% | 5,835 |
| Cost of funding earning assets | 0.9940% | 3,421 |
| Net interest margin | 3.2823% | 5,867 |
| Noninterest income to average assets | 0.2360% | 5,848 |
| Noninterest expense to average assets | 2.5215% | 5,396 |
| Loan and lease loss provision to assets | 0.2614% | 3,602 |
| Net operating income to assets | 0.2008% | 5,589 |
| Return on assets (ROA) | 0.2487% | 5,571 |
| Pretax return on assets | 0.3948% | 5,308 |
| Return on Equity (ROE) | 1.7601% | 5,744 |
| Retained earnings to average equity (ytd only) | 1.7601% | 4,960 |
| Net charge-offs to loans | 0.4377% | 3,250 |
| Credit loss provision to net charge-offs | 148.5106% | 1,915 |
| Earnings coverage of net charge-offs (x) | 3.3021% | 3,563 |
| Efficiency ratio | 80.7822% | 2,191 |
| Assets per employee ($millions) | 3.8130% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 4,476 |
| Loan loss allowance to noncurrent loans | 6,128.5714% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 6,425 |
| Noncurrent loans to loans | 0.0228% | 6,770 |
| Net loans and leases to total assets | 44.1309% | 6,200 |
| Net loans and leases to deposits | 56.2904% | 5,868 |
| Net loans and leases to core deposits | 82.3082% | 3,135 |
| Total domestic deposits to total assets | 78.3986% | 6,118 |
| Equity capital to assets | 13.9667% | 1,075 |
| Core capital (leverage) ratio | 8.0283% | 6,231 |
| Tier 1 risk-based capital ratio | 14.4191% | 4,032 |
| Total risk-based capital ratio | 15.6700% | 4,004 |
| Memoranda: | ||
| Average total assets | $133,489,400 | 4,102 |
| Average earning assets | $116,594,800 | 4,221 |
| Average equity | $18,862,600 | 3,300 |
| Average total loans | $53,693,800 | 5,123 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2706% | 6,028 |
| Cost of funding earning assets | 1.0218% | 3,526 |
| Net interest margin | 3.2488% | 6,020 |
| Noninterest income to average assets | 0.2324% | 5,956 |
| Noninterest expense to average assets | 2.4997% | 5,463 |
| Loan and lease loss provision to assets | 0.2746% | 3,314 |
| Net operating income to assets | 0.1853% | 5,742 |
| Return on assets (ROA) | 0.2374% | 5,740 |
| Pretax return on assets | 0.3732% | 5,550 |
| Return on Equity (ROE) | 1.6750% | 5,875 |
| Retained earnings to average equity (ytd only) | 1.6750% | 5,301 |
| Net charge-offs to loans | 0.4637% | 2,881 |
| Credit loss provision to net charge-offs | 151.6667% | 2,054 |
| Earnings coverage of net charge-offs (x) | 3.1278% | 3,571 |
| Efficiency ratio | 81.0367% | 2,105 |
| Assets per employee ($millions) | 3.5564% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4764% | 4,223 |
| Loan loss allowance to noncurrent loans | 6,128.5714% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 6,485 |
| Noncurrent loans to loans | 0.0241% | 6,879 |
| Net loans and leases to total assets | 41.2803% | 6,536 |
| Net loans and leases to deposits | 53.1384% | 6,277 |
| Net loans and leases to core deposits | 82.2287% | 3,292 |
| Total domestic deposits to total assets | 77.6846% | 6,255 |
| Equity capital to assets | 13.8747% | 1,212 |
| Core capital (leverage) ratio | 8.0525% | 6,338 |
| Tier 1 risk-based capital ratio | 14.6877% | 3,843 |
| Total risk-based capital ratio | 15.9390% | 3,821 |
| Memoranda: | ||
| Average total assets | $132,544,500 | 4,139 |
| Average earning assets | $115,609,500 | 4,263 |
| Average equity | $18,785,250 | 3,314 |
| Average total loans | $51,758,250 | 5,242 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 6,067 |
| Cost of funding earning assets | 1.0732% | 3,443 |
| Net interest margin | 3.2109% | 6,123 |
| Noninterest income to average assets | 0.2222% | 6,083 |
| Noninterest expense to average assets | 2.4997% | 5,538 |
| Loan and lease loss provision to assets | 0.2299% | 3,611 |
| Net operating income to assets | 0.1731% | 5,822 |
| Return on assets (ROA) | 0.2084% | 5,827 |
| Pretax return on assets | 0.3311% | 5,597 |
| Return on Equity (ROE) | 1.4598% | 5,957 |
| Retained earnings to average equity (ytd only) | 1.4598% | 5,257 |
| Net charge-offs to loans | 0.7091% | 2,092 |
| Credit loss provision to net charge-offs | 85.2273% | 3,611 |
| Earnings coverage of net charge-offs (x) | 1.8750% | 3,926 |
| Efficiency ratio | 82.6619% | 1,997 |
| Assets per employee ($millions) | 3.7915% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 4,291 |
| Loan loss allowance to noncurrent loans | 1,524.4898% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 6,263 |
| Noncurrent loans to loans | 0.0958% | 6,735 |
| Net loans and leases to total assets | 37.9615% | 6,861 |
| Net loans and leases to deposits | 49.4590% | 6,637 |
| Net loans and leases to core deposits | 73.0267% | 4,704 |
| Total domestic deposits to total assets | 76.7534% | 6,489 |
| Equity capital to assets | 14.3207% | 989 |
| Core capital (leverage) ratio | 8.2449% | 5,958 |
| Tier 1 risk-based capital ratio | 15.4680% | 3,267 |
| Total risk-based capital ratio | 16.6938% | 3,218 |
| Memoranda: | ||
| Average total assets | $130,493,330 | 4,221 |
| Average earning assets | $113,115,000 | 4,357 |
| Average equity | $18,632,330 | 3,313 |
| Average total loans | $49,640,000 | 5,376 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 5,912 |
| Cost of funding earning assets | 1.1512% | 3,152 |
| Net interest margin | 3.1801% | 6,130 |
| Noninterest income to average assets | 0.2102% | 6,233 |
| Noninterest expense to average assets | 2.5226% | 5,476 |
| Loan and lease loss provision to assets | 0.2319% | 3,332 |
| Net operating income to assets | 0.1146% | 6,055 |
| Return on assets (ROA) | 0.1700% | 5,933 |
| Pretax return on assets | 0.2751% | 5,727 |
| Return on Equity (ROE) | 1.1926% | 6,075 |
| Retained earnings to average equity (ytd only) | 1.1926% | 5,346 |
| Net charge-offs to loans | 0.7444% | 1,728 |
| Credit loss provision to net charge-offs | 82.4176% | 3,112 |
| Earnings coverage of net charge-offs (x) | 1.4945% | 3,588 |
| Efficiency ratio | 85.1891% | 1,813 |
| Assets per employee ($millions) | 3.7204% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 3,986 |
| Loan loss allowance to noncurrent loans | 581.3953% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.4459% | 6,093 |
| Noncurrent loans to loans | 0.2657% | 6,455 |
| Net loans and leases to total assets | 37.7899% | 6,915 |
| Net loans and leases to deposits | 49.6562% | 6,651 |
| Net loans and leases to core deposits | 72.7005% | 4,696 |
| Total domestic deposits to total assets | 76.1032% | 6,657 |
| Equity capital to assets | 14.6220% | 849 |
| Core capital (leverage) ratio | 7.8600% | 6,407 |
| Tier 1 risk-based capital ratio | 15.1533% | 3,341 |
| Total risk-based capital ratio | 16.4033% | 3,303 |
| Memoranda: | ||
| Average total assets | $129,388,500 | 4,271 |
| Average earning assets | $111,191,500 | 4,430 |
| Average equity | $18,446,500 | 3,335 |
| Average total loans | $48,898,500 | 5,445 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5282% | 6,317 |
| Cost of funding earning assets | 1.4316% | 3,064 |
| Net interest margin | 3.0967% | 6,528 |
| Noninterest income to average assets | 0.2759% | 5,809 |
| Noninterest expense to average assets | 2.5159% | 5,730 |
| Loan and lease loss provision to assets | 0.3721% | 3,890 |
| Net operating income to assets | -0.0054% | 5,844 |
| Return on assets (ROA) | 0.1413% | 5,620 |
| Pretax return on assets | 0.2285% | 5,414 |
| Return on Equity (ROE) | 1.0035% | 5,692 |
| Retained earnings to average equity (ytd only) | 1.0035% | 5,038 |
| Net charge-offs to loans | 1.1048% | 2,019 |
| Credit loss provision to net charge-offs | 86.0870% | 5,281 |
| Earnings coverage of net charge-offs (x) | 0.8591% | 5,275 |
| Efficiency ratio | 86.6181% | 1,609 |
| Assets per employee ($millions) | 3.7795% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5880% | 3,627 |
| Loan loss allowance to noncurrent loans | 9,775.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.3349% | 6,413 |
| Noncurrent loans to loans | 0.0162% | 7,108 |
| Net loans and leases to total assets | 36.6358% | 7,127 |
| Net loans and leases to deposits | 49.1242% | 6,898 |
| Net loans and leases to core deposits | 83.0400% | 3,740 |
| Total domestic deposits to total assets | 74.5780% | 6,820 |
| Equity capital to assets | 13.9073% | 1,064 |
| Core capital (leverage) ratio | 7.5405% | 6,669 |
| Tier 1 risk-based capital ratio | 14.9788% | 3,266 |
| Total risk-based capital ratio | 16.2439% | 3,206 |
| Memoranda: | ||
| Average total assets | $133,034,400 | 4,200 |
| Average earning assets | $112,185,200 | 4,417 |
| Average equity | $18,733,600 | 3,310 |
| Average total loans | $52,046,400 | 5,399 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5385% | 6,504 |
| Cost of funding earning assets | 1.4656% | 3,178 |
| Net interest margin | 3.0729% | 6,677 |
| Noninterest income to average assets | 0.2842% | 5,839 |
| Noninterest expense to average assets | 2.5170% | 5,651 |
| Loan and lease loss provision to assets | 0.4203% | 3,382 |
| Net operating income to assets | -0.0502% | 6,102 |
| Return on assets (ROA) | 0.1451% | 5,812 |
| Pretax return on assets | 0.2352% | 5,651 |
| Return on Equity (ROE) | 1.0274% | 5,891 |
| Retained earnings to average equity (ytd only) | 1.0274% | 5,402 |
| Net charge-offs to loans | 1.4130% | 1,441 |
| Credit loss provision to net charge-offs | 75.1342% | 5,274 |
| Earnings coverage of net charge-offs (x) | 0.6261% | 5,411 |
| Efficiency ratio | 87.2600% | 1,507 |
| Assets per employee ($millions) | 3.7113% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 4,239 |
| Loan loss allowance to noncurrent loans | 106.7251% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5120% | 6,144 |
| Noncurrent loans to loans | 1.3526% | 4,602 |
| Net loans and leases to total assets | 37.3032% | 7,215 |
| Net loans and leases to deposits | 50.7712% | 6,961 |
| Net loans and leases to core deposits | 84.9089% | 3,818 |
| Total domestic deposits to total assets | 73.4733% | 6,995 |
| Equity capital to assets | 14.2337% | 1,105 |
| Core capital (leverage) ratio | 7.7017% | 6,673 |
| Tier 1 risk-based capital ratio | 15.2138% | 3,146 |
| Total risk-based capital ratio | 16.4053% | 3,153 |
| Memoranda: | ||
| Average total assets | $133,222,250 | 4,246 |
| Average earning assets | $111,986,250 | 4,483 |
| Average equity | $18,817,750 | 3,345 |
| Average total loans | $52,746,750 | 5,453 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 6,605 |
| Cost of funding earning assets | 1.4993% | 3,265 |
| Net interest margin | 3.0454% | 6,737 |
| Noninterest income to average assets | 0.2930% | 5,804 |
| Noninterest expense to average assets | 2.5140% | 5,669 |
| Loan and lease loss provision to assets | 0.5259% | 2,683 |
| Net operating income to assets | -0.1339% | 6,271 |
| Return on assets (ROA) | 0.1518% | 5,837 |
| Pretax return on assets | 0.2479% | 5,660 |
| Return on Equity (ROE) | 1.0773% | 5,932 |
| Retained earnings to average equity (ytd only) | 1.0773% | 5,333 |
| Net charge-offs to loans | 1.6607% | 1,136 |
| Credit loss provision to net charge-offs | 78.8288% | 4,737 |
| Earnings coverage of net charge-offs (x) | 0.4910% | 5,232 |
| Efficiency ratio | 87.9429% | 1,509 |
| Assets per employee ($millions) | 4.0475% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 3,947 |
| Loan loss allowance to noncurrent loans | 74.0247% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.7637% | 5,594 |
| Noncurrent loans to loans | 2.0244% | 3,687 |
| Net loans and leases to total assets | 37.1612% | 7,308 |
| Net loans and leases to deposits | 49.6905% | 7,083 |
| Net loans and leases to core deposits | 74.0887% | 5,431 |
| Total domestic deposits to total assets | 74.7853% | 6,877 |
| Equity capital to assets | 13.7450% | 1,258 |
| Core capital (leverage) ratio | 7.7235% | 6,584 |
| Tier 1 risk-based capital ratio | 14.7427% | 3,307 |
| Total risk-based capital ratio | 15.9810% | 3,285 |
| Memoranda: | ||
| Average total assets | $133,094,670 | 4,275 |
| Average earning assets | $111,382,330 | 4,524 |
| Average equity | $18,751,330 | 3,343 |
| Average total loans | $53,472,670 | 5,446 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 6,566 |
| Cost of funding earning assets | 1.5630% | 3,183 |
| Net interest margin | 3.0353% | 6,752 |
| Noninterest income to average assets | 0.3149% | 5,633 |
| Noninterest expense to average assets | 2.5895% | 5,394 |
| Loan and lease loss provision to assets | 0.8408% | 1,504 |
| Net operating income to assets | -0.3606% | 6,728 |
| Return on assets (ROA) | 0.2048% | 5,787 |
| Pretax return on assets | 0.3271% | 5,533 |
| Return on Equity (ROE) | 1.4355% | 5,982 |
| Retained earnings to average equity (ytd only) | 1.4355% | 5,225 |
| Net charge-offs to loans | 3.3474% | 436 |
| Credit loss provision to net charge-offs | 60.5727% | 4,285 |
| Earnings coverage of net charge-offs (x) | 0.2048% | 4,858 |
| Efficiency ratio | 89.5745% | 1,465 |
| Assets per employee ($millions) | 3.5372% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 4,922 |
| Loan loss allowance to noncurrent loans | 42.5337% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 1.2485% | 4,686 |
| Noncurrent loans to loans | 3.0629% | 2,612 |
| Net loans and leases to total assets | 40.2314% | 7,236 |
| Net loans and leases to deposits | 54.5581% | 6,880 |
| Net loans and leases to core deposits | 86.2544% | 3,857 |
| Total domestic deposits to total assets | 73.7404% | 7,080 |
| Equity capital to assets | 14.2255% | 1,089 |
| Core capital (leverage) ratio | 7.8123% | 6,481 |
| Tier 1 risk-based capital ratio | 14.3432% | 3,471 |
| Total risk-based capital ratio | 15.4390% | 3,514 |
| Memoranda: | ||
| Average total assets | $130,835,000 | 4,391 |
| Average earning assets | $110,301,000 | 4,605 |
| Average equity | $18,669,500 | 3,370 |
| Average total loans | $54,250,500 | 5,482 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8371% | 6,867 |
| Cost of funding earning assets | 1.9566% | 3,176 |
| Net interest margin | 2.8804% | 6,897 |
| Noninterest income to average assets | 0.3900% | 5,296 |
| Noninterest expense to average assets | 2.5839% | 5,845 |
| Loan and lease loss provision to assets | 0.2395% | 5,461 |
| Net operating income to assets | 0.0132% | 5,454 |
| Return on assets (ROA) | 0.1632% | 5,084 |
| Pretax return on assets | 0.2725% | 4,840 |
| Return on Equity (ROE) | 1.1804% | 5,178 |
| Retained earnings to average equity (ytd only) | 1.1804% | 4,217 |
| Net charge-offs to loans | 0.3077% | 4,706 |
| Credit loss provision to net charge-offs | 189.3491% | 2,120 |
| Earnings coverage of net charge-offs (x) | 2.1953% | 4,079 |
| Efficiency ratio | 89.7724% | 1,718 |
| Assets per employee ($millions) | 3.4419% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6083% | 3,253 |
| Loan loss allowance to noncurrent loans | 88.7000% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.7646% | 5,573 |
| Noncurrent loans to loans | 1.8132% | 3,909 |
| Net loans and leases to total assets | 41.4895% | 7,276 |
| Net loans and leases to deposits | 57.8919% | 6,791 |
| Net loans and leases to core deposits | 128.5230% | 1,364 |
| Total domestic deposits to total assets | 71.6672% | 7,272 |
| Equity capital to assets | 14.3136% | 1,074 |
| Core capital (leverage) ratio | 7.5659% | 6,724 |
| Tier 1 risk-based capital ratio | 13.8895% | 3,570 |
| Total risk-based capital ratio | 15.1412% | 3,522 |
| Memoranda: | ||
| Average total assets | $133,595,400 | 4,268 |
| Average earning assets | $114,635,200 | 4,434 |
| Average equity | $18,467,800 | 3,430 |
| Average total loans | $54,922,600 | 5,463 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8028% | 7,117 |
| Cost of funding earning assets | 2.0159% | 3,275 |
| Net interest margin | 2.7870% | 7,079 |
| Noninterest income to average assets | 0.4001% | 5,284 |
| Noninterest expense to average assets | 2.5843% | 5,768 |
| Loan and lease loss provision to assets | 0.1589% | 5,762 |
| Net operating income to assets | 0.0321% | 5,648 |
| Return on assets (ROA) | 0.1440% | 5,405 |
| Pretax return on assets | 0.2323% | 5,221 |
| Return on Equity (ROE) | 1.0504% | 5,479 |
| Retained earnings to average equity (ytd only) | 1.0504% | 4,728 |
| Net charge-offs to loans | 0.3402% | 3,939 |
| Credit loss provision to net charge-offs | 114.2857% | 4,440 |
| Earnings coverage of net charge-offs (x) | 1.5572% | 4,619 |
| Efficiency ratio | 91.7405% | 1,558 |
| Assets per employee ($millions) | 3.5505% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 4,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 41.6158% | 7,385 |
| Net loans and leases to deposits | 57.8112% | 6,974 |
| Net loans and leases to core deposits | 122.6180% | 2,024 |
| Total domestic deposits to total assets | 71.9856% | 7,215 |
| Equity capital to assets | 13.8623% | 1,354 |
| Core capital (leverage) ratio | 7.3805% | 7,099 |
| Tier 1 risk-based capital ratio | 13.4514% | 3,896 |
| Total risk-based capital ratio | 14.5623% | 3,923 |
| Memoranda: | ||
| Average total assets | $134,296,250 | 4,274 |
| Average earning assets | $115,678,750 | 4,436 |
| Average equity | $18,404,500 | 3,464 |
| Average total loans | $54,865,250 | 5,523 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7969% | 7,232 |
| Cost of funding earning assets | 2.0836% | 3,344 |
| Net interest margin | 2.7133% | 7,174 |
| Noninterest income to average assets | 0.3923% | 5,356 |
| Noninterest expense to average assets | 2.6117% | 5,697 |
| Loan and lease loss provision to assets | 0.1492% | 5,584 |
| Net operating income to assets | -0.0332% | 5,901 |
| Return on assets (ROA) | 0.1253% | 5,596 |
| Pretax return on assets | 0.2118% | 5,435 |
| Return on Equity (ROE) | 0.9178% | 5,653 |
| Retained earnings to average equity (ytd only) | 0.9178% | 4,813 |
| Net charge-offs to loans | 0.3838% | 3,281 |
| Credit loss provision to net charge-offs | 96.1538% | 4,736 |
| Earnings coverage of net charge-offs (x) | 0.7308% | 4,991 |
| Efficiency ratio | 95.2928% | 1,422 |
| Assets per employee ($millions) | 3.4385% | 4,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 4,312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 7,488 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 45.8752% | 7,203 |
| Net loans and leases to deposits | 67.7652% | 6,221 |
| Net loans and leases to core deposits | 125.7207% | 1,897 |
| Total domestic deposits to total assets | 67.6973% | 7,638 |
| Equity capital to assets | 15.1696% | 995 |
| Core capital (leverage) ratio | 6.7393% | 7,687 |
| Tier 1 risk-based capital ratio | 13.6451% | 3,729 |
| Total risk-based capital ratio | 14.7752% | 3,735 |
| Memoranda: | ||
| Average total assets | $134,088,330 | 4,299 |
| Average earning assets | $115,283,670 | 4,478 |
| Average equity | $18,305,000 | 3,505 |
| Average total loans | $54,188,000 | 5,594 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 7,608 |
| Cost of funding earning assets | 2.0455% | 3,898 |
| Net interest margin | 2.5685% | 7,413 |
| Noninterest income to average assets | 0.3831% | 5,358 |
| Noninterest expense to average assets | 2.3893% | 6,232 |
| Loan and lease loss provision to assets | 0.1135% | 5,511 |
| Net operating income to assets | 0.0509% | 6,126 |
| Return on assets (ROA) | 0.3178% | 5,400 |
| Pretax return on assets | 0.4994% | 5,079 |
| Return on Equity (ROE) | 2.4441% | 5,601 |
| Retained earnings to average equity (ytd only) | 2.4441% | 4,515 |
| Net charge-offs to loans | 0.4351% | 2,370 |
| Credit loss provision to net charge-offs | 68.9655% | 4,374 |
| Earnings coverage of net charge-offs (x) | 1.1897% | 4,154 |
| Efficiency ratio | 91.8771% | 1,580 |
| Assets per employee ($millions) | 3.9615% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 3,791 |
| Loan loss allowance to noncurrent loans | 426.6272% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 7,255 |
| Noncurrent loans to loans | 0.3168% | 6,648 |
| Net loans and leases to total assets | 34.9573% | 7,768 |
| Net loans and leases to deposits | 47.1550% | 7,617 |
| Net loans and leases to core deposits | 113.6146% | 3,047 |
| Total domestic deposits to total assets | 74.1328% | 6,864 |
| Equity capital to assets | 12.2328% | 2,118 |
| Core capital (leverage) ratio | 6.8763% | 7,710 |
| Tier 1 risk-based capital ratio | 13.2372% | 4,033 |
| Total risk-based capital ratio | 14.2867% | 4,080 |
| Memoranda: | ||
| Average total assets | $140,959,500 | 4,170 |
| Average earning assets | $120,851,000 | 4,364 |
| Average equity | $18,329,500 | 3,514 |
| Average total loans | $53,316,000 | 5,662 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4498% | 7,395 |
| Cost of funding earning assets | 2.7650% | 2,857 |
| Net interest margin | 2.6847% | 7,526 |
| Noninterest income to average assets | 0.4023% | 5,452 |
| Noninterest expense to average assets | 2.4037% | 6,376 |
| Loan and lease loss provision to assets | 0.0775% | 6,428 |
| Net operating income to assets | 0.1590% | 5,963 |
| Return on assets (ROA) | 0.2099% | 5,639 |
| Pretax return on assets | 0.3318% | 5,438 |
| Return on Equity (ROE) | 1.6755% | 5,716 |
| Retained earnings to average equity (ytd only) | 1.6755% | 4,212 |
| Net charge-offs to loans | 0.3105% | 3,319 |
| Credit loss provision to net charge-offs | 67.0732% | 6,121 |
| Earnings coverage of net charge-offs (x) | 2.8537% | 4,647 |
| Efficiency ratio | 87.1649% | 1,749 |
| Assets per employee ($millions) | 3.3687% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 3,263 |
| Loan loss allowance to noncurrent loans | 1,138.4615% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 7,383 |
| Noncurrent loans to loans | 0.1220% | 7,046 |
| Net loans and leases to total assets | 39.9959% | 7,672 |
| Net loans and leases to deposits | 56.7303% | 7,278 |
| Net loans and leases to core deposits | 126.7262% | 2,110 |
| Total domestic deposits to total assets | 70.5018% | 7,221 |
| Equity capital to assets | 13.8863% | 1,467 |
| Core capital (leverage) ratio | 7.0426% | 7,662 |
| Tier 1 risk-based capital ratio | 13.5448% | 3,799 |
| Total risk-based capital ratio | 14.6799% | 3,763 |
| Memoranda: | ||
| Average total assets | $141,950,600 | 4,048 |
| Average earning assets | $123,253,000 | 4,187 |
| Average equity | $17,785,600 | 3,593 |
| Average total loans | $52,824,400 | 5,592 |