Home > Marine Bank & Trust Company > Performance and Condition Ratios
Marine Bank & Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7932% | 3,460 |
| Cost of funding earning assets | 1.9248% | 2,134 |
| Net interest margin | 2.8684% | 3,605 |
| Noninterest income to average assets | 0.2900% | 2,950 |
| Noninterest expense to average assets | 2.2271% | 3,033 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.5812% | 3,397 |
| Return on assets (ROA) | 0.5812% | 3,409 |
| Pretax return on assets | 0.7705% | 3,254 |
| Return on Equity (ROE) | 8.7000% | 2,681 |
| Retained earnings to average equity (ytd only) | 8.7028% | 1,506 |
| 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 | 74.2958% | 1,409 |
| Assets per employee ($millions) | 9.0503% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 922 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 68.4700% | 2,021 |
| Net loans and leases to deposits | 73.9082% | 2,568 |
| Net loans and leases to core deposits | 83.8247% | 2,475 |
| Total domestic deposits to total assets | 92.6400% | 175 |
| Equity capital to assets | 6.7962% | 4,086 |
| Core capital (leverage) ratio | 9.3258% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5602% | 1,360 |
| Memoranda: | ||
| Average total assets | $644,234,500 | 1,462 |
| Average earning assets | $609,112,500 | 1,429 |
| Average equity | $43,020,500 | 1,925 |
| Average total loans | $447,799,000 | 1,434 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8725% | 3,304 |
| Cost of funding earning assets | 2.2187% | 1,696 |
| Net interest margin | 2.6538% | 3,701 |
| Noninterest income to average assets | 0.3100% | 3,001 |
| Noninterest expense to average assets | 2.1005% | 3,376 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.4985% | 3,471 |
| Return on assets (ROA) | 0.4985% | 3,489 |
| Pretax return on assets | 0.6666% | 3,330 |
| Return on Equity (ROE) | 7.7700% | 2,821 |
| Retained earnings to average equity (ytd only) | 6.5751% | 1,598 |
| Net charge-offs to loans | 0.0040% | 2,819 |
| Credit loss provision to net charge-offs | 2,083.3333% | 226 |
| Earnings coverage of net charge-offs (x) | 262.2222% | 420 |
| Efficiency ratio | 74.3632% | 1,512 |
| Assets per employee ($millions) | 9.0972% | 1,027 |
| Cash dividends to net income (ytd only)* | 15.3894% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 917 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 68.4100% | 2,089 |
| Net loans and leases to deposits | 77.6542% | 2,316 |
| Net loans and leases to core deposits | 85.3039% | 2,430 |
| Total domestic deposits to total assets | 88.1000% | 1,477 |
| Equity capital to assets | 6.5600% | 4,087 |
| Core capital (leverage) ratio | 9.1310% | 3,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3199% | 1,443 |
| Memoranda: | ||
| Average total assets | $651,806,400 | 1,425 |
| Average earning assets | $618,239,000 | 1,396 |
| Average equity | $41,809,200 | 1,913 |
| Average total loans | $447,677,200 | 1,414 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8863% | 3,224 |
| Cost of funding earning assets | 2.2589% | 1,610 |
| Net interest margin | 2.6274% | 3,726 |
| Noninterest income to average assets | 0.3100% | 2,981 |
| Noninterest expense to average assets | 2.0905% | 3,353 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 0.4798% | 3,511 |
| Return on assets (ROA) | 0.4798% | 3,546 |
| Pretax return on assets | 0.6396% | 3,398 |
| Return on Equity (ROE) | 7.5200% | 2,884 |
| Retained earnings to average equity (ytd only) | 5.9228% | 2,111 |
| Net charge-offs to loans | 0.0054% | 2,484 |
| Credit loss provision to net charge-offs | 1,805.5556% | 259 |
| Earnings coverage of net charge-offs (x) | 192.1667% | 534 |
| Efficiency ratio | 74.7555% | 1,503 |
| Assets per employee ($millions) | 9.4539% | 907 |
| Cash dividends to net income (ytd only)* | 21.2675% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 987 |
| Loan loss allowance to noncurrent loans | 5,700.0000% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 3,639 |
| Noncurrent loans to loans | 0.0267% | 3,614 |
| Net loans and leases to total assets | 67.7900% | 2,107 |
| Net loans and leases to deposits | 78.0302% | 2,351 |
| Net loans and leases to core deposits | 85.3442% | 2,470 |
| Total domestic deposits to total assets | 86.8800% | 1,637 |
| Equity capital to assets | 6.9823% | 4,131 |
| Core capital (leverage) ratio | 9.0005% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2633% | 1,473 |
| Memoranda: | ||
| Average total assets | $653,283,000 | 1,410 |
| Average earning assets | $619,354,000 | 1,386 |
| Average equity | $41,668,750 | 1,920 |
| Average total loans | $447,405,250 | 1,408 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9270% | 3,079 |
| Cost of funding earning assets | 2.2489% | 1,552 |
| Net interest margin | 2.6781% | 3,623 |
| Noninterest income to average assets | 0.3100% | 2,924 |
| Noninterest expense to average assets | 2.0798% | 3,381 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 0.5193% | 3,379 |
| Return on assets (ROA) | 0.5193% | 3,405 |
| Pretax return on assets | 0.6931% | 3,241 |
| Return on Equity (ROE) | 8.4100% | 2,615 |
| Retained earnings to average equity (ytd only) | 5.9293% | 2,033 |
| Net charge-offs to loans | 0.0081% | 2,117 |
| Credit loss provision to net charge-offs | 1,388.8889% | 313 |
| Earnings coverage of net charge-offs (x) | 139.7222% | 627 |
| Efficiency ratio | 72.9918% | 1,752 |
| Assets per employee ($millions) | 9.1455% | 956 |
| Cash dividends to net income (ytd only)* | 29.4638% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 994 |
| Loan loss allowance to noncurrent loans | 5,637.5000% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 3,601 |
| Noncurrent loans to loans | 0.0271% | 3,579 |
| Net loans and leases to total assets | 68.1100% | 2,118 |
| Net loans and leases to deposits | 76.7449% | 2,488 |
| Net loans and leases to core deposits | 83.2555% | 2,584 |
| Total domestic deposits to total assets | 88.7500% | 1,080 |
| Equity capital to assets | 6.3627% | 4,143 |
| Core capital (leverage) ratio | 8.6695% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1810% | 1,468 |
| Memoranda: | ||
| Average total assets | $653,605,000 | 1,410 |
| Average earning assets | $620,299,000 | 1,382 |
| Average equity | $40,376,000 | 1,938 |
| Average total loans | $446,855,000 | 1,413 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9561% | 2,875 |
| Cost of funding earning assets | 2.2167% | 1,514 |
| Net interest margin | 2.7393% | 3,485 |
| Noninterest income to average assets | 0.2900% | 2,998 |
| Noninterest expense to average assets | 2.0148% | 3,539 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.5918% | 3,170 |
| Return on assets (ROA) | 0.5918% | 3,199 |
| Pretax return on assets | 0.7851% | 2,965 |
| Return on Equity (ROE) | 9.7200% | 2,206 |
| Retained earnings to average equity (ytd only) | 4.7466% | 2,478 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 69.6982% | 2,180 |
| Assets per employee ($millions) | 9.5187% | 852 |
| Cash dividends to net income (ytd only)* | 51.1771% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 1,067 |
| Loan loss allowance to noncurrent loans | 5,569.1667% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 3,643 |
| Noncurrent loans to loans | 0.0270% | 3,588 |
| Net loans and leases to total assets | 65.6700% | 2,277 |
| Net loans and leases to deposits | 73.5170% | 2,637 |
| Net loans and leases to core deposits | 81.5720% | 2,607 |
| Total domestic deposits to total assets | 89.3300% | 1,005 |
| Equity capital to assets | 5.9232% | 4,225 |
| Core capital (leverage) ratio | 8.4184% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9216% | 1,564 |
| Memoranda: | ||
| Average total assets | $660,314,000 | 1,406 |
| Average earning assets | $626,870,000 | 1,372 |
| Average equity | $40,197,500 | 1,945 |
| Average total loans | $448,880,500 | 1,403 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5821% | 2,936 |
| Cost of funding earning assets | 1.5404% | 1,842 |
| Net interest margin | 3.0416% | 3,200 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.0646% | 3,487 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.7695% | 2,979 |
| Return on assets (ROA) | 0.7700% | 2,954 |
| Pretax return on assets | 1.0065% | 2,672 |
| Return on Equity (ROE) | 14.3400% | 1,418 |
| Retained earnings to average equity (ytd only) | 14.3439% | 374 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.1117% | 2,460 |
| Assets per employee ($millions) | 9.0878% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 1,232 |
| Loan loss allowance to noncurrent loans | 436.4061% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.2288% | 2,076 |
| Noncurrent loans to loans | 0.3301% | 1,999 |
| Net loans and leases to total assets | 68.3100% | 1,999 |
| Net loans and leases to deposits | 76.5711% | 2,395 |
| Net loans and leases to core deposits | 87.9641% | 2,182 |
| Total domestic deposits to total assets | 89.2200% | 996 |
| Equity capital to assets | 6.2550% | 4,181 |
| Core capital (leverage) ratio | 8.5736% | 4,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5601% | 1,662 |
| Memoranda: | ||
| Average total assets | $647,688,600 | 1,380 |
| Average earning assets | $611,315,400 | 1,360 |
| Average equity | $34,767,400 | 2,063 |
| Average total loans | $439,731,000 | 1,370 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5359% | 2,832 |
| Cost of funding earning assets | 1.3766% | 1,929 |
| Net interest margin | 3.1593% | 3,006 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.1268% | 3,278 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.8038% | 3,015 |
| Return on assets (ROA) | 0.8045% | 3,007 |
| Pretax return on assets | 1.0453% | 2,725 |
| Return on Equity (ROE) | 15.6400% | 1,317 |
| Retained earnings to average equity (ytd only) | 15.6414% | 493 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.9502% | 2,398 |
| Assets per employee ($millions) | 8.9978% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 1,273 |
| Loan loss allowance to noncurrent loans | 427.5285% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 2,085 |
| Noncurrent loans to loans | 0.3379% | 2,022 |
| Net loans and leases to total assets | 68.1600% | 2,030 |
| Net loans and leases to deposits | 75.2329% | 2,480 |
| Net loans and leases to core deposits | 82.8143% | 2,412 |
| Total domestic deposits to total assets | 90.6000% | 774 |
| Equity capital to assets | 5.1203% | 4,230 |
| Core capital (leverage) ratio | 8.4049% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1956% | 1,819 |
| Memoranda: | ||
| Average total assets | $646,030,500 | 1,383 |
| Average earning assets | $609,194,250 | 1,359 |
| Average equity | $33,227,250 | 2,115 |
| Average total loans | $436,283,750 | 1,372 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4512% | 2,770 |
| Cost of funding earning assets | 1.2169% | 1,938 |
| Net interest margin | 3.2343% | 2,900 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.1369% | 3,246 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.8497% | 2,925 |
| Return on assets (ROA) | 0.8507% | 2,929 |
| Pretax return on assets | 1.0990% | 2,651 |
| Return on Equity (ROE) | 16.5200% | 1,180 |
| Retained earnings to average equity (ytd only) | 16.5153% | 427 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.9291% | 2,496 |
| Assets per employee ($millions) | 8.5205% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 1,495 |
| Loan loss allowance to noncurrent loans | 417.4816% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.2276% | 2,048 |
| Noncurrent loans to loans | 0.3377% | 1,919 |
| Net loans and leases to total assets | 66.4300% | 2,109 |
| Net loans and leases to deposits | 74.6087% | 2,436 |
| Net loans and leases to core deposits | 85.1553% | 2,137 |
| Total domestic deposits to total assets | 89.0400% | 1,246 |
| Equity capital to assets | 5.4068% | 4,308 |
| Core capital (leverage) ratio | 8.1195% | 4,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7946% | 1,990 |
| Memoranda: | ||
| Average total assets | $648,425,667 | 1,380 |
| Average earning assets | $611,880,000 | 1,358 |
| Average equity | $33,399,333 | 2,124 |
| Average total loans | $434,435,667 | 1,361 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 2,720 |
| Cost of funding earning assets | 1.0054% | 2,031 |
| Net interest margin | 3.3289% | 2,801 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.0987% | 3,385 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.9476% | 2,698 |
| Return on assets (ROA) | 0.9476% | 2,657 |
| Pretax return on assets | 1.2138% | 2,394 |
| Return on Equity (ROE) | 18.8700% | 904 |
| Retained earnings to average equity (ytd only) | 18.8737% | 449 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.0690% | 2,815 |
| Assets per employee ($millions) | 8.5898% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 1,654 |
| Loan loss allowance to noncurrent loans | 413.2473% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 1,996 |
| Noncurrent loans to loans | 0.3368% | 1,942 |
| Net loans and leases to total assets | 66.0200% | 2,057 |
| Net loans and leases to deposits | 71.7606% | 2,486 |
| Net loans and leases to core deposits | 84.1582% | 1,974 |
| Total domestic deposits to total assets | 92.0000% | 514 |
| Equity capital to assets | 5.2596% | 4,383 |
| Core capital (leverage) ratio | 8.0139% | 4,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6118% | 2,132 |
| Memoranda: | ||
| Average total assets | $644,598,000 | 1,407 |
| Average earning assets | $609,083,500 | 1,381 |
| Average equity | $32,362,500 | 2,199 |
| Average total loans | $430,624,500 | 1,384 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6815% | 2,581 |
| Cost of funding earning assets | 0.2170% | 3,618 |
| Net interest margin | 3.4646% | 2,054 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.2731% | 2,825 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 0.9327% | 2,834 |
| Return on assets (ROA) | 0.9327% | 2,780 |
| Pretax return on assets | 1.1602% | 2,567 |
| Return on Equity (ROE) | 17.2000% | 832 |
| Retained earnings to average equity (ytd only) | 17.1996% | 164 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.1236% | 2,744 |
| Assets per employee ($millions) | 8.2645% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 1,541 |
| Loan loss allowance to noncurrent loans | 404.8864% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 2,003 |
| Noncurrent loans to loans | 0.3425% | 1,920 |
| Net loans and leases to total assets | 65.7300% | 2,066 |
| Net loans and leases to deposits | 72.3413% | 2,383 |
| Net loans and leases to core deposits | 81.0892% | 2,066 |
| Total domestic deposits to total assets | 90.8600% | 1,007 |
| Equity capital to assets | 4.7754% | 4,419 |
| Core capital (leverage) ratio | 7.7299% | 4,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0265% | 2,362 |
| Memoranda: | ||
| Average total assets | $598,179,800 | 1,489 |
| Average earning assets | $567,342,800 | 1,460 |
| Average equity | $32,436,800 | 2,224 |
| Average total loans | $373,858,600 | 1,481 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4594% | 2,753 |
| Cost of funding earning assets | 0.0706% | 4,475 |
| Net interest margin | 3.3888% | 2,009 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.2834% | 2,679 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 0.9183% | 2,801 |
| Return on assets (ROA) | 0.9183% | 2,768 |
| Pretax return on assets | 1.1411% | 2,590 |
| Return on Equity (ROE) | 16.4000% | 908 |
| Retained earnings to average equity (ytd only) | 16.4049% | 250 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.7272% | 2,589 |
| Assets per employee ($millions) | 8.1946% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 2,008 |
| Loan loss allowance to noncurrent loans | 321.6349% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 1,915 |
| Noncurrent loans to loans | 0.4055% | 1,803 |
| Net loans and leases to total assets | 63.5900% | 2,128 |
| Net loans and leases to deposits | 71.4080% | 2,255 |
| Net loans and leases to core deposits | 74.0299% | 2,347 |
| Total domestic deposits to total assets | 89.0500% | 2,072 |
| Equity capital to assets | 3.8987% | 4,484 |
| Core capital (leverage) ratio | 7.5694% | 4,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5631% | 2,637 |
| Memoranda: | ||
| Average total assets | $588,632,250 | 1,518 |
| Average earning assets | $558,999,500 | 1,487 |
| Average equity | $32,948,750 | 2,233 |
| Average total loans | $361,279,500 | 1,504 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2754% | 2,812 |
| Cost of funding earning assets | 0.0487% | 4,603 |
| Net interest margin | 3.2267% | 2,112 |
| Noninterest income to average assets | 0.4224% | 2,617 |
| Noninterest expense to average assets | 2.2961% | 2,560 |
| Loan and lease loss provision to assets | 0.1039% | 960 |
| Net operating income to assets | 0.8870% | 2,638 |
| Return on assets (ROA) | 0.8870% | 2,611 |
| Pretax return on assets | 1.0959% | 2,427 |
| Return on Equity (ROE) | 14.2865% | 1,046 |
| Retained earnings to average equity (ytd only) | 14.2865% | 329 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6789% | 2,559 |
| Assets per employee ($millions) | 7.4820% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 2,179 |
| Loan loss allowance to noncurrent loans | 318.3794% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 2,031 |
| Noncurrent loans to loans | 0.4093% | 1,894 |
| Net loans and leases to total assets | 61.9268% | 2,131 |
| Net loans and leases to deposits | 65.1673% | 2,623 |
| Net loans and leases to core deposits | 65.8443% | 2,835 |
| Total domestic deposits to total assets | 95.0274% | 142 |
| Equity capital to assets | 4.8093% | 4,511 |
| Core capital (leverage) ratio | 7.4880% | 4,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9572% | 2,518 |
| Memoranda: | ||
| Average total assets | $577,246,333 | 1,554 |
| Average earning assets | $549,855,667 | 1,521 |
| Average equity | $35,838,000 | 2,165 |
| Average total loans | $347,953,000 | 1,535 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0234% | 3,182 |
| Cost of funding earning assets | 0.0492% | 4,610 |
| Net interest margin | 2.9742% | 2,588 |
| Noninterest income to average assets | 0.4692% | 2,303 |
| Noninterest expense to average assets | 2.2366% | 2,730 |
| Loan and lease loss provision to assets | 0.1052% | 797 |
| Net operating income to assets | 0.7708% | 2,773 |
| Return on assets (ROA) | 0.7708% | 2,765 |
| Pretax return on assets | 0.9672% | 2,545 |
| Return on Equity (ROE) | 11.1169% | 1,574 |
| Retained earnings to average equity (ytd only) | 11.1169% | 761 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5922% | 2,553 |
| Assets per employee ($millions) | 7.6073% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 2,041 |
| Loan loss allowance to noncurrent loans | 309.7222% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 2,125 |
| Noncurrent loans to loans | 0.4413% | 1,925 |
| Net loans and leases to total assets | 56.9564% | 2,423 |
| Net loans and leases to deposits | 60.9215% | 2,817 |
| Net loans and leases to core deposits | 61.6214% | 3,008 |
| Total domestic deposits to total assets | 93.4915% | 172 |
| Equity capital to assets | 6.1670% | 4,547 |
| Core capital (leverage) ratio | 7.8158% | 4,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6981% | 2,345 |
| Memoranda: | ||
| Average total assets | $570,329,500 | 1,578 |
| Average earning assets | $544,554,500 | 1,550 |
| Average equity | $39,543,500 | 2,074 |
| Average total loans | $336,494,500 | 1,564 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6537% | 2,244 |
| Cost of funding earning assets | 0.0879% | 4,480 |
| Net interest margin | 3.5658% | 1,562 |
| Noninterest income to average assets | 0.5687% | 2,285 |
| Noninterest expense to average assets | 2.4870% | 2,221 |
| Loan and lease loss provision to assets | 0.1593% | 745 |
| Net operating income to assets | 1.0348% | 2,538 |
| Return on assets (ROA) | 1.0348% | 2,609 |
| Pretax return on assets | 1.3189% | 2,303 |
| Return on Equity (ROE) | 14.5864% | 1,050 |
| Retained earnings to average equity (ytd only) | 14.5864% | 260 |
| Net charge-offs to loans | -0.0353% | 4,184 |
| Credit loss provision to net charge-offs | -672.4138% | 3,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5418% | 2,789 |
| Assets per employee ($millions) | 7.0166% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 2,036 |
| Loan loss allowance to noncurrent loans | 295.3094% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2805% | 2,140 |
| Noncurrent loans to loans | 0.4647% | 1,974 |
| Net loans and leases to total assets | 59.5317% | 2,210 |
| Net loans and leases to deposits | 64.7478% | 2,619 |
| Net loans and leases to core deposits | 65.8549% | 2,833 |
| Total domestic deposits to total assets | 91.9440% | 196 |
| Equity capital to assets | 7.7644% | 4,485 |
| Core capital (leverage) ratio | 8.0817% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4851% | 2,053 |
| Memoranda: | ||
| Average total assets | $489,738,800 | 1,720 |
| Average earning assets | $466,483,200 | 1,700 |
| Average equity | $34,744,800 | 2,304 |
| Average total loans | $328,295,200 | 1,595 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7668% | 2,102 |
| Cost of funding earning assets | 0.0993% | 4,510 |
| Net interest margin | 3.6675% | 1,411 |
| Noninterest income to average assets | 0.5958% | 2,229 |
| Noninterest expense to average assets | 2.4430% | 2,294 |
| Loan and lease loss provision to assets | 0.1346% | 848 |
| Net operating income to assets | 1.1643% | 2,308 |
| Return on assets (ROA) | 1.1643% | 2,371 |
| Pretax return on assets | 1.5096% | 1,974 |
| Return on Equity (ROE) | 16.8697% | 784 |
| Retained earnings to average equity (ytd only) | 16.8697% | 248 |
| Net charge-offs to loans | -0.0480% | 4,339 |
| Credit loss provision to net charge-offs | -406.7797% | 3,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5800% | 3,051 |
| Assets per employee ($millions) | 6.7039% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 2,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 61.1404% | 2,121 |
| Net loans and leases to deposits | 65.8424% | 2,641 |
| Net loans and leases to core deposits | 66.9955% | 2,860 |
| Total domestic deposits to total assets | 92.8588% | 42 |
| Equity capital to assets | 6.7501% | 4,850 |
| Core capital (leverage) ratio | 6.9453% | 4,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9200% | 2,738 |
| Memoranda: | ||
| Average total assets | $475,350,250 | 1,779 |
| Average earning assets | $452,541,250 | 1,752 |
| Average equity | $32,807,500 | 2,427 |
| Average total loans | $327,782,500 | 1,626 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6941% | 2,350 |
| Cost of funding earning assets | 0.1120% | 4,491 |
| Net interest margin | 3.5821% | 1,629 |
| Noninterest income to average assets | 0.5770% | 2,307 |
| Noninterest expense to average assets | 2.3386% | 2,652 |
| Loan and lease loss provision to assets | 0.1213% | 1,045 |
| Net operating income to assets | 1.1656% | 2,311 |
| Return on assets (ROA) | 1.1656% | 2,372 |
| Pretax return on assets | 1.5243% | 1,945 |
| Return on Equity (ROE) | 16.7514% | 821 |
| Retained earnings to average equity (ytd only) | 16.7514% | 286 |
| Net charge-offs to loans | -0.0309% | 4,168 |
| Credit loss provision to net charge-offs | -549.0196% | 3,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5671% | 3,206 |
| Assets per employee ($millions) | 6.1804% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,937 |
| Loan loss allowance to noncurrent loans | 5,835.2941% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 4,201 |
| Noncurrent loans to loans | 0.0206% | 4,119 |
| Net loans and leases to total assets | 66.9142% | 1,594 |
| Net loans and leases to deposits | 72.0416% | 2,198 |
| Net loans and leases to core deposits | 73.4155% | 2,469 |
| Total domestic deposits to total assets | 92.8827% | 38 |
| Equity capital to assets | 6.8625% | 4,871 |
| Core capital (leverage) ratio | 6.9399% | 4,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7544% | 2,452 |
| Memoranda: | ||
| Average total assets | $461,733,667 | 1,815 |
| Average earning assets | $439,187,000 | 1,789 |
| Average equity | $32,128,667 | 2,444 |
| Average total loans | $330,429,333 | 1,627 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8441% | 1,967 |
| Cost of funding earning assets | 0.1297% | 4,460 |
| Net interest margin | 3.7144% | 1,301 |
| Noninterest income to average assets | 0.6270% | 2,098 |
| Noninterest expense to average assets | 2.2770% | 2,859 |
| Loan and lease loss provision to assets | 0.1159% | 1,182 |
| Net operating income to assets | 1.3396% | 1,709 |
| Return on assets (ROA) | 1.3396% | 1,796 |
| Pretax return on assets | 1.7597% | 1,382 |
| Return on Equity (ROE) | 19.1094% | 614 |
| Retained earnings to average equity (ytd only) | 19.1094% | 313 |
| Net charge-offs to loans | -0.0073% | 3,537 |
| Credit loss provision to net charge-offs | -2,166.6667% | 3,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7036% | 3,714 |
| Assets per employee ($millions) | 6.8363% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 3,239 |
| Loan loss allowance to noncurrent loans | 5,548.5294% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 4,273 |
| Noncurrent loans to loans | 0.0206% | 4,183 |
| Net loans and leases to total assets | 69.2855% | 1,383 |
| Net loans and leases to deposits | 74.6646% | 2,052 |
| Net loans and leases to core deposits | 76.4574% | 2,311 |
| Total domestic deposits to total assets | 92.7957% | 46 |
| Equity capital to assets | 6.7948% | 4,878 |
| Core capital (leverage) ratio | 7.1737% | 4,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2700% | 2,175 |
| Memoranda: | ||
| Average total assets | $448,476,000 | 1,847 |
| Average earning assets | $425,695,000 | 1,818 |
| Average equity | $31,440,000 | 2,469 |
| Average total loans | $330,306,000 | 1,626 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0127% | 2,689 |
| Cost of funding earning assets | 0.3839% | 3,683 |
| Net interest margin | 3.6288% | 2,046 |
| Noninterest income to average assets | 0.5447% | 2,444 |
| Noninterest expense to average assets | 2.5906% | 2,587 |
| Loan and lease loss provision to assets | 0.2726% | 1,409 |
| Net operating income to assets | 0.8819% | 2,777 |
| Return on assets (ROA) | 0.8819% | 2,914 |
| Pretax return on assets | 1.1634% | 2,463 |
| Return on Equity (ROE) | 11.4399% | 1,480 |
| Retained earnings to average equity (ytd only) | 11.4399% | 383 |
| Net charge-offs to loans | -0.0020% | 3,986 |
| Credit loss provision to net charge-offs | -16,333.3333% | 4,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1702% | 2,798 |
| Assets per employee ($millions) | 6.1630% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 3,451 |
| Loan loss allowance to noncurrent loans | 2,956.0976% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 4,219 |
| Noncurrent loans to loans | 0.0373% | 4,157 |
| Net loans and leases to total assets | 76.7506% | 717 |
| Net loans and leases to deposits | 83.1091% | 1,535 |
| Net loans and leases to core deposits | 85.9687% | 1,872 |
| Total domestic deposits to total assets | 92.3492% | 45 |
| Equity capital to assets | 7.2496% | 4,880 |
| Core capital (leverage) ratio | 7.3416% | 4,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5996% | 2,402 |
| Memoranda: | ||
| Average total assets | $359,455,800 | 2,006 |
| Average earning assets | $344,908,600 | 1,955 |
| Average equity | $27,710,000 | 2,619 |
| Average total loans | $296,809,200 | 1,696 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0654% | 2,774 |
| Cost of funding earning assets | 0.4549% | 3,498 |
| Net interest margin | 3.6104% | 2,239 |
| Noninterest income to average assets | 0.5209% | 2,525 |
| Noninterest expense to average assets | 2.5841% | 2,581 |
| Loan and lease loss provision to assets | 0.3303% | 1,176 |
| Net operating income to assets | 0.8155% | 3,033 |
| Return on assets (ROA) | 0.8155% | 3,154 |
| Pretax return on assets | 1.0798% | 2,808 |
| Return on Equity (ROE) | 10.3871% | 1,879 |
| Retained earnings to average equity (ytd only) | 10.3871% | 690 |
| Net charge-offs to loans | 0.0005% | 3,232 |
| Credit loss provision to net charge-offs | 85,000.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 3,628.0000% | 19 |
| Efficiency ratio | 64.5193% | 2,656 |
| Assets per employee ($millions) | 5.8431% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 3,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 83.0553% | 358 |
| Net loans and leases to deposits | 89.9600% | 1,268 |
| Net loans and leases to core deposits | 93.8919% | 1,648 |
| Total domestic deposits to total assets | 92.3247% | 36 |
| Equity capital to assets | 7.2645% | 4,912 |
| Core capital (leverage) ratio | 7.3480% | 4,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7367% | 2,312 |
| Memoranda: | ||
| Average total assets | $343,007,250 | 2,062 |
| Average earning assets | $329,997,250 | 2,009 |
| Average equity | $26,930,250 | 2,672 |
| Average total loans | $288,507,000 | 1,729 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 2,702 |
| Cost of funding earning assets | 0.5206% | 3,414 |
| Net interest margin | 3.6961% | 2,175 |
| Noninterest income to average assets | 0.5497% | 2,355 |
| Noninterest expense to average assets | 2.5836% | 2,719 |
| Loan and lease loss provision to assets | 0.4217% | 936 |
| Net operating income to assets | 0.8273% | 2,947 |
| Return on assets (ROA) | 0.8273% | 3,061 |
| Pretax return on assets | 1.0933% | 2,726 |
| Return on Equity (ROE) | 10.2261% | 1,915 |
| Retained earnings to average equity (ytd only) | 10.2261% | 748 |
| Net charge-offs to loans | -0.0088% | 4,168 |
| Credit loss provision to net charge-offs | -5,708.3333% | 4,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8567% | 2,979 |
| Assets per employee ($millions) | 6.0700% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 3,368 |
| 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 | 84.6899% | 205 |
| Net loans and leases to deposits | 91.8902% | 1,173 |
| Net loans and leases to core deposits | 96.4354% | 1,544 |
| Total domestic deposits to total assets | 92.1643% | 41 |
| Equity capital to assets | 7.2108% | 4,938 |
| Core capital (leverage) ratio | 7.5348% | 4,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7129% | 2,307 |
| Memoranda: | ||
| Average total assets | $324,900,333 | 2,119 |
| Average earning assets | $311,952,667 | 2,062 |
| Average equity | $26,285,667 | 2,698 |
| Average total loans | $273,508,667 | 1,773 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5241% | 2,242 |
| Cost of funding earning assets | 0.5811% | 3,524 |
| Net interest margin | 3.9430% | 1,544 |
| Noninterest income to average assets | 0.7755% | 1,383 |
| Noninterest expense to average assets | 3.1192% | 1,589 |
| Loan and lease loss provision to assets | 0.2540% | 1,221 |
| Net operating income to assets | 0.8744% | 2,600 |
| Return on assets (ROA) | 0.8744% | 2,707 |
| Pretax return on assets | 1.1672% | 2,312 |
| Return on Equity (ROE) | 10.1160% | 1,705 |
| Retained earnings to average equity (ytd only) | 10.1160% | 727 |
| Net charge-offs to loans | -0.0112% | 4,113 |
| Credit loss provision to net charge-offs | -2,714.2857% | 3,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5218% | 2,582 |
| Assets per employee ($millions) | 5.0353% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 3,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 81.1844% | 541 |
| Net loans and leases to deposits | 90.1677% | 1,490 |
| Net loans and leases to core deposits | 95.0685% | 1,875 |
| Total domestic deposits to total assets | 90.0371% | 310 |
| Equity capital to assets | 8.4184% | 4,867 |
| Core capital (leverage) ratio | 8.7548% | 4,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5346% | 2,462 |
| Memoranda: | ||
| Average total assets | $299,180,500 | 2,216 |
| Average earning assets | $285,672,500 | 2,162 |
| Average equity | $25,860,000 | 2,717 |
| Average total loans | $249,228,000 | 1,863 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5263% | 2,856 |
| Cost of funding earning assets | 0.5990% | 3,640 |
| Net interest margin | 3.9273% | 2,079 |
| Noninterest income to average assets | 0.4166% | 3,200 |
| Noninterest expense to average assets | 3.1979% | 1,525 |
| Loan and lease loss provision to assets | 0.0924% | 2,185 |
| Net operating income to assets | 0.6477% | 4,017 |
| Return on assets (ROA) | 0.6477% | 4,092 |
| Pretax return on assets | 0.8661% | 3,835 |
| Return on Equity (ROE) | 7.4034% | 3,404 |
| Retained earnings to average equity (ytd only) | 5.9590% | 1,888 |
| Net charge-offs to loans | -0.0123% | 4,524 |
| Credit loss provision to net charge-offs | -914.2857% | 4,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7307% | 1,294 |
| Assets per employee ($millions) | 4.7696% | 2,871 |
| Cash dividends to net income (ytd only)* | 19.5095% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 2,981 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 83.6938% | 346 |
| Net loans and leases to deposits | 93.1402% | 1,241 |
| Net loans and leases to core deposits | 97.9022% | 1,739 |
| Total domestic deposits to total assets | 89.8579% | 366 |
| Equity capital to assets | 8.8893% | 4,743 |
| Core capital (leverage) ratio | 8.9040% | 4,598 |
| Tier 1 risk-based capital ratio | 12.7085% | 3,941 |
| Total risk-based capital ratio | 13.9594% | 3,828 |
| Memoranda: | ||
| Average total assets | $276,995,200 | 2,291 |
| Average earning assets | $263,770,000 | 2,252 |
| Average equity | $24,232,200 | 2,774 |
| Average total loans | $228,413,800 | 1,967 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5165% | 3,005 |
| Cost of funding earning assets | 0.5926% | 3,734 |
| Net interest margin | 3.9239% | 2,178 |
| Noninterest income to average assets | 0.4121% | 3,245 |
| Noninterest expense to average assets | 3.2112% | 1,447 |
| Loan and lease loss provision to assets | 0.0874% | 2,168 |
| Net operating income to assets | 0.6271% | 4,224 |
| Return on assets (ROA) | 0.6271% | 4,275 |
| Pretax return on assets | 0.8479% | 4,012 |
| Return on Equity (ROE) | 7.1984% | 3,611 |
| Retained earnings to average equity (ytd only) | 5.2484% | 2,759 |
| Net charge-offs to loans | -0.0119% | 4,430 |
| Credit loss provision to net charge-offs | -900.0000% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4435% | 1,160 |
| Assets per employee ($millions) | 4.7897% | 2,807 |
| Cash dividends to net income (ytd only)* | 27.0901% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 3,004 |
| 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 | 82.7213% | 494 |
| Net loans and leases to deposits | 95.3674% | 1,088 |
| Net loans and leases to core deposits | 100.1704% | 1,645 |
| Total domestic deposits to total assets | 86.7396% | 1,660 |
| Equity capital to assets | 8.9606% | 4,804 |
| Core capital (leverage) ratio | 9.0810% | 4,572 |
| Tier 1 risk-based capital ratio | 12.9567% | 3,873 |
| Total risk-based capital ratio | 14.2080% | 3,769 |
| Memoranda: | ||
| Average total assets | $274,700,500 | 2,321 |
| Average earning assets | $261,437,250 | 2,279 |
| Average equity | $23,930,500 | 2,810 |
| Average total loans | $224,977,000 | 2,005 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 3,042 |
| Cost of funding earning assets | 0.5675% | 3,802 |
| Net interest margin | 3.9238% | 2,171 |
| Noninterest income to average assets | 0.4078% | 3,228 |
| Noninterest expense to average assets | 3.2236% | 1,453 |
| Loan and lease loss provision to assets | 0.1096% | 1,705 |
| Net operating income to assets | 0.6080% | 4,289 |
| Return on assets (ROA) | 0.6080% | 4,326 |
| Pretax return on assets | 0.8236% | 4,039 |
| Return on Equity (ROE) | 7.0480% | 3,659 |
| Retained earnings to average equity (ytd only) | 4.0831% | 3,205 |
| Net charge-offs to loans | -0.0117% | 4,373 |
| Credit loss provision to net charge-offs | -1,153.8462% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5492% | 1,213 |
| Assets per employee ($millions) | 4.4782% | 3,172 |
| Cash dividends to net income (ytd only)* | 42.0673% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 2,874 |
| 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 | 80.6727% | 780 |
| Net loans and leases to deposits | 88.8321% | 1,884 |
| Net loans and leases to core deposits | 92.2074% | 2,397 |
| Total domestic deposits to total assets | 90.8148% | 127 |
| Equity capital to assets | 8.9359% | 4,831 |
| Core capital (leverage) ratio | 8.7368% | 4,812 |
| Tier 1 risk-based capital ratio | 13.3973% | 3,633 |
| Total risk-based capital ratio | 14.6493% | 3,535 |
| Memoranda: | ||
| Average total assets | $273,665,670 | 2,337 |
| Average earning assets | $261,479,330 | 2,292 |
| Average equity | $23,609,670 | 2,834 |
| Average total loans | $222,512,330 | 2,035 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 2,990 |
| Cost of funding earning assets | 0.5498% | 3,824 |
| Net interest margin | 3.9146% | 2,144 |
| Noninterest income to average assets | 0.3446% | 3,555 |
| Noninterest expense to average assets | 3.1251% | 1,676 |
| Loan and lease loss provision to assets | 0.1752% | 956 |
| Net operating income to assets | 0.5754% | 4,310 |
| Return on assets (ROA) | 0.5754% | 4,345 |
| Pretax return on assets | 0.7769% | 4,106 |
| Return on Equity (ROE) | 6.7903% | 3,744 |
| Retained earnings to average equity (ytd only) | 0.7583% | 4,372 |
| Net charge-offs to loans | -0.0108% | 4,254 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6476% | 1,430 |
| Assets per employee ($millions) | 4.9676% | 2,563 |
| Cash dividends to net income (ytd only)* | 88.8325% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 3,115 |
| Loan loss allowance to noncurrent loans | 2,967.8571% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 4,692 |
| Noncurrent loans to loans | 0.0371% | 4,603 |
| Net loans and leases to total assets | 80.4329% | 791 |
| Net loans and leases to deposits | 88.0814% | 1,861 |
| Net loans and leases to core deposits | 91.9727% | 2,300 |
| Total domestic deposits to total assets | 91.3166% | 115 |
| Equity capital to assets | 8.4357% | 5,022 |
| Core capital (leverage) ratio | 8.7271% | 4,844 |
| Tier 1 risk-based capital ratio | 13.1069% | 3,822 |
| Total risk-based capital ratio | 14.3586% | 3,731 |
| Memoranda: | ||
| Average total assets | $273,914,500 | 2,350 |
| Average earning assets | $261,173,500 | 2,307 |
| Average equity | $23,209,500 | 2,866 |
| Average total loans | $222,317,500 | 2,052 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1865% | 3,472 |
| Cost of funding earning assets | 0.5345% | 3,148 |
| Net interest margin | 3.6520% | 3,212 |
| Noninterest income to average assets | 0.4245% | 3,279 |
| Noninterest expense to average assets | 3.1328% | 1,720 |
| Loan and lease loss provision to assets | 0.1722% | 1,155 |
| Net operating income to assets | 0.4470% | 4,773 |
| Return on assets (ROA) | 0.4470% | 4,767 |
| Pretax return on assets | 0.6082% | 4,618 |
| Return on Equity (ROE) | 5.4859% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.4859% | 2,489 |
| Net charge-offs to loans | 0.2351% | 827 |
| Credit loss provision to net charge-offs | 93.9457% | 2,662 |
| Earnings coverage of net charge-offs (x) | 4.2568% | 3,314 |
| Efficiency ratio | 80.0567% | 953 |
| Assets per employee ($millions) | 4.5690% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 3,199 |
| Loan loss allowance to noncurrent loans | 11,271.4286% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 4,874 |
| Noncurrent loans to loans | 0.0096% | 4,767 |
| Net loans and leases to total assets | 80.1354% | 921 |
| Net loans and leases to deposits | 87.8938% | 2,056 |
| Net loans and leases to core deposits | 91.4456% | 2,458 |
| Total domestic deposits to total assets | 91.1730% | 168 |
| Equity capital to assets | 8.4876% | 4,942 |
| Core capital (leverage) ratio | 8.8906% | 4,744 |
| Tier 1 risk-based capital ratio | 13.5251% | 3,531 |
| Total risk-based capital ratio | 14.7763% | 3,440 |
| Memoranda: | ||
| Average total assets | $261,269,400 | 2,393 |
| Average earning assets | $249,589,600 | 2,337 |
| Average equity | $21,290,800 | 2,958 |
| Average total loans | $203,737,000 | 2,147 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1098% | 3,602 |
| Cost of funding earning assets | 0.5236% | 3,035 |
| Net interest margin | 3.5861% | 3,412 |
| Noninterest income to average assets | 0.4192% | 3,358 |
| Noninterest expense to average assets | 3.1692% | 1,603 |
| Loan and lease loss provision to assets | 0.1620% | 1,186 |
| Net operating income to assets | 0.3812% | 4,988 |
| Return on assets (ROA) | 0.3812% | 4,985 |
| Pretax return on assets | 0.5159% | 4,880 |
| Return on Equity (ROE) | 4.7286% | 4,642 |
| Retained earnings to average equity (ytd only) | 4.7286% | 3,379 |
| Net charge-offs to loans | 0.2859% | 584 |
| Credit loss provision to net charge-offs | 73.4266% | 2,599 |
| Earnings coverage of net charge-offs (x) | 3.0722% | 3,197 |
| Efficiency ratio | 82.3773% | 752 |
| Assets per employee ($millions) | 4.8787% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 3,242 |
| Loan loss allowance to noncurrent loans | 449.2126% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 3,993 |
| Noncurrent loans to loans | 0.2429% | 3,827 |
| Net loans and leases to total assets | 77.0872% | 1,486 |
| Net loans and leases to deposits | 84.3004% | 2,565 |
| Net loans and leases to core deposits | 87.4721% | 2,875 |
| Total domestic deposits to total assets | 91.4434% | 139 |
| Equity capital to assets | 8.2864% | 5,042 |
| Core capital (leverage) ratio | 8.6498% | 5,003 |
| Tier 1 risk-based capital ratio | 13.5470% | 3,600 |
| Total risk-based capital ratio | 14.7979% | 3,513 |
| Memoranda: | ||
| Average total assets | $259,194,250 | 2,417 |
| Average earning assets | $247,762,250 | 2,365 |
| Average equity | $20,893,500 | 3,029 |
| Average total loans | $200,074,250 | 2,182 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0451% | 3,625 |
| Cost of funding earning assets | 0.5077% | 2,957 |
| Net interest margin | 3.5375% | 3,509 |
| Noninterest income to average assets | 0.4154% | 3,385 |
| Noninterest expense to average assets | 3.1489% | 1,664 |
| Loan and lease loss provision to assets | 0.1132% | 1,750 |
| Net operating income to assets | 0.3935% | 4,967 |
| Return on assets (ROA) | 0.3935% | 4,974 |
| Pretax return on assets | 0.5317% | 4,851 |
| Return on Equity (ROE) | 4.9300% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.9300% | 3,110 |
| Net charge-offs to loans | 0.3806% | 412 |
| Credit loss provision to net charge-offs | 38.6667% | 2,570 |
| Earnings coverage of net charge-offs (x) | 2.2027% | 2,995 |
| Efficiency ratio | 83.0006% | 764 |
| Assets per employee ($millions) | 4.5492% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 3,505 |
| Loan loss allowance to noncurrent loans | 559.6899% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 4,269 |
| Noncurrent loans to loans | 0.1887% | 4,059 |
| Net loans and leases to total assets | 75.6222% | 1,693 |
| Net loans and leases to deposits | 82.6614% | 2,696 |
| Net loans and leases to core deposits | 85.8184% | 2,942 |
| Total domestic deposits to total assets | 91.4844% | 153 |
| Equity capital to assets | 8.2686% | 5,095 |
| Core capital (leverage) ratio | 8.7527% | 4,927 |
| Tier 1 risk-based capital ratio | 13.9607% | 3,373 |
| Total risk-based capital ratio | 15.2114% | 3,301 |
| Memoranda: | ||
| Average total assets | $256,149,000 | 2,458 |
| Average earning assets | $244,638,670 | 2,398 |
| Average equity | $20,446,330 | 3,085 |
| Average total loans | $197,055,670 | 2,213 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 3,488 |
| Cost of funding earning assets | 0.4930% | 2,847 |
| Net interest margin | 3.5419% | 3,377 |
| Noninterest income to average assets | 0.4432% | 3,160 |
| Noninterest expense to average assets | 3.0765% | 1,884 |
| Loan and lease loss provision to assets | 0.1120% | 1,685 |
| Net operating income to assets | 0.4704% | 4,766 |
| Return on assets (ROA) | 0.4704% | 4,767 |
| Pretax return on assets | 0.6335% | 4,605 |
| Return on Equity (ROE) | 6.0083% | 4,150 |
| Retained earnings to average equity (ytd only) | 6.0083% | 2,702 |
| Net charge-offs to loans | 0.1927% | 764 |
| Credit loss provision to net charge-offs | 75.2688% | 1,786 |
| Earnings coverage of net charge-offs (x) | 5.0108% | 2,263 |
| Efficiency ratio | 80.4939% | 1,089 |
| Assets per employee ($millions) | 4.5963% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 2,600 |
| Loan loss allowance to noncurrent loans | 551.8605% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 4,255 |
| Noncurrent loans to loans | 0.2240% | 3,980 |
| Net loans and leases to total assets | 73.6623% | 1,917 |
| Net loans and leases to deposits | 79.8540% | 2,825 |
| Net loans and leases to core deposits | 86.1268% | 2,796 |
| Total domestic deposits to total assets | 92.2462% | 82 |
| Equity capital to assets | 7.5918% | 5,392 |
| Core capital (leverage) ratio | 8.1255% | 5,354 |
| Tier 1 risk-based capital ratio | 12.5977% | 4,180 |
| Total risk-based capital ratio | 13.8504% | 4,079 |
| Memoranda: | ||
| Average total assets | $250,023,500 | 2,518 |
| Average earning assets | $238,518,000 | 2,463 |
| Average equity | $19,573,000 | 3,192 |
| Average total loans | $193,015,500 | 2,248 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 3,014 |
| Cost of funding earning assets | 0.4279% | 2,970 |
| Net interest margin | 3.6844% | 2,859 |
| Noninterest income to average assets | 0.4992% | 3,007 |
| Noninterest expense to average assets | 3.0098% | 2,148 |
| Loan and lease loss provision to assets | 0.0177% | 3,946 |
| Net operating income to assets | 0.5575% | 4,199 |
| Return on assets (ROA) | 0.5595% | 4,222 |
| Pretax return on assets | 0.9753% | 3,657 |
| Return on Equity (ROE) | 6.6577% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.1302% | 1,467 |
| Net charge-offs to loans | -0.1398% | 5,452 |
| Credit loss provision to net charge-offs | -16.3265% | 4,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2494% | 1,724 |
| Assets per employee ($millions) | 4.7579% | 2,792 |
| Cash dividends to net income (ytd only)* | 7.9239% | 3,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,568 |
| Loan loss allowance to noncurrent loans | 452.0755% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 4,040 |
| Noncurrent loans to loans | 0.2731% | 3,808 |
| Net loans and leases to total assets | 78.9851% | 1,122 |
| Net loans and leases to deposits | 87.6805% | 2,051 |
| Net loans and leases to core deposits | 95.2125% | 2,094 |
| Total domestic deposits to total assets | 90.0829% | 543 |
| Equity capital to assets | 8.0795% | 5,362 |
| Core capital (leverage) ratio | 8.1945% | 5,354 |
| Tier 1 risk-based capital ratio | 12.4166% | 4,252 |
| Total risk-based capital ratio | 13.6698% | 4,158 |
| Memoranda: | ||
| Average total assets | $225,565,600 | 2,679 |
| Average earning assets | $214,307,600 | 2,627 |
| Average equity | $18,955,400 | 3,247 |
| Average total loans | $175,206,200 | 2,383 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0586% | 3,142 |
| Cost of funding earning assets | 0.3973% | 3,225 |
| Net interest margin | 3.6613% | 2,913 |
| Noninterest income to average assets | 0.5314% | 2,830 |
| Noninterest expense to average assets | 3.0884% | 1,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5700% | 4,506 |
| Return on assets (ROA) | 0.5700% | 4,545 |
| Pretax return on assets | 0.9188% | 3,971 |
| Return on Equity (ROE) | 6.7115% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.0021% | 2,238 |
| Net charge-offs to loans | -0.1877% | 5,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0711% | 1,451 |
| Assets per employee ($millions) | 4.9680% | 2,494 |
| Cash dividends to net income (ytd only)* | 10.5708% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 2,563 |
| Loan loss allowance to noncurrent loans | 550.3513% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 4,387 |
| Noncurrent loans to loans | 0.2295% | 4,148 |
| Net loans and leases to total assets | 77.0470% | 1,414 |
| Net loans and leases to deposits | 92.8141% | 1,442 |
| Net loans and leases to core deposits | 101.1957% | 1,608 |
| Total domestic deposits to total assets | 83.0123% | 3,449 |
| Equity capital to assets | 8.1576% | 5,455 |
| Core capital (leverage) ratio | 8.4538% | 5,273 |
| Tier 1 risk-based capital ratio | 12.3746% | 4,396 |
| Total risk-based capital ratio | 13.6267% | 4,298 |
| Memoranda: | ||
| Average total assets | $221,294,000 | 2,739 |
| Average earning assets | $210,084,000 | 2,681 |
| Average equity | $18,793,000 | 3,290 |
| Average total loans | $170,494,000 | 2,430 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 3,197 |
| Cost of funding earning assets | 0.3670% | 3,410 |
| Net interest margin | 3.6355% | 2,892 |
| Noninterest income to average assets | 0.5084% | 2,968 |
| Noninterest expense to average assets | 3.0867% | 1,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5381% | 4,581 |
| Return on assets (ROA) | 0.5381% | 4,617 |
| Pretax return on assets | 0.8684% | 4,044 |
| Return on Equity (ROE) | 6.2456% | 3,938 |
| Retained earnings to average equity (ytd only) | 6.2456% | 1,995 |
| Net charge-offs to loans | -0.0278% | 4,920 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0436% | 1,455 |
| Assets per employee ($millions) | 4.4662% | 3,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 2,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 76.6672% | 1,434 |
| Net loans and leases to deposits | 86.4660% | 2,171 |
| Net loans and leases to core deposits | 90.2918% | 2,490 |
| Total domestic deposits to total assets | 88.6674% | 1,121 |
| Equity capital to assets | 8.7148% | 5,126 |
| Core capital (leverage) ratio | 8.8143% | 4,935 |
| Tier 1 risk-based capital ratio | 12.9438% | 4,039 |
| Total risk-based capital ratio | 14.1968% | 3,953 |
| Memoranda: | ||
| Average total assets | $215,570,000 | 2,804 |
| Average earning assets | $204,376,000 | 2,764 |
| Average equity | $18,573,000 | 3,321 |
| Average total loans | $165,298,330 | 2,490 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9854% | 3,094 |
| Cost of funding earning assets | 0.3768% | 3,234 |
| Net interest margin | 3.6085% | 2,864 |
| Noninterest income to average assets | 0.4693% | 3,195 |
| Noninterest expense to average assets | 3.1001% | 1,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4880% | 4,644 |
| Return on assets (ROA) | 0.4880% | 4,669 |
| Pretax return on assets | 0.7890% | 4,148 |
| Return on Equity (ROE) | 5.6976% | 4,044 |
| Retained earnings to average equity (ytd only) | 5.6976% | 2,494 |
| Net charge-offs to loans | -0.0270% | 4,879 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7115% | 1,416 |
| Assets per employee ($millions) | 4.8164% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 2,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 74.4578% | 1,669 |
| Net loans and leases to deposits | 81.5309% | 2,568 |
| Net loans and leases to core deposits | 86.4080% | 2,681 |
| Total domestic deposits to total assets | 91.3246% | 204 |
| Equity capital to assets | 8.5052% | 5,240 |
| Core capital (leverage) ratio | 8.6110% | 5,147 |
| Tier 1 risk-based capital ratio | 13.1658% | 3,980 |
| Total risk-based capital ratio | 14.4194% | 3,890 |
| Memoranda: | ||
| Average total assets | $213,932,000 | 2,840 |
| Average earning assets | $202,741,500 | 2,803 |
| Average equity | $18,323,500 | 3,367 |
| Average total loans | $162,989,000 | 2,536 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 3,071 |
| Cost of funding earning assets | 0.4160% | 2,852 |
| Net interest margin | 3.6216% | 2,992 |
| Noninterest income to average assets | 0.4414% | 3,608 |
| Noninterest expense to average assets | 3.1855% | 1,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4293% | 4,849 |
| Return on assets (ROA) | 0.4409% | 4,908 |
| Pretax return on assets | 0.7113% | 4,454 |
| Return on Equity (ROE) | 4.8614% | 4,488 |
| Retained earnings to average equity (ytd only) | 4.8614% | 2,438 |
| Net charge-offs to loans | 0.1713% | 1,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 5.1642% | 3,382 |
| Efficiency ratio | 82.1293% | 1,191 |
| Assets per employee ($millions) | 4.5897% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 2,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 75.9578% | 1,520 |
| Net loans and leases to deposits | 83.3308% | 2,497 |
| Net loans and leases to core deposits | 88.3058% | 2,641 |
| Total domestic deposits to total assets | 91.1522% | 235 |
| Equity capital to assets | 8.6266% | 5,171 |
| Core capital (leverage) ratio | 8.5602% | 5,203 |
| Tier 1 risk-based capital ratio | 12.8913% | 4,138 |
| Total risk-based capital ratio | 14.1467% | 4,031 |
| Memoranda: | ||
| Average total assets | $204,144,800 | 2,910 |
| Average earning assets | $193,752,200 | 2,862 |
| Average equity | $18,513,200 | 3,334 |
| Average total loans | $159,978,200 | 2,522 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0432% | 3,063 |
| Cost of funding earning assets | 0.4127% | 2,906 |
| Net interest margin | 3.6305% | 2,963 |
| Noninterest income to average assets | 0.4611% | 3,482 |
| Noninterest expense to average assets | 3.1692% | 1,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4588% | 4,840 |
| Return on assets (ROA) | 0.4723% | 4,875 |
| Pretax return on assets | 0.7609% | 4,437 |
| Return on Equity (ROE) | 5.1429% | 4,455 |
| Retained earnings to average equity (ytd only) | 5.1429% | 2,728 |
| Net charge-offs to loans | 0.2385% | 981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3.9404% | 3,335 |
| Efficiency ratio | 81.0752% | 1,291 |
| Assets per employee ($millions) | 4.8335% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 2,627 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 77.8727% | 1,221 |
| Net loans and leases to deposits | 85.9397% | 2,266 |
| Net loans and leases to core deposits | 97.6051% | 1,851 |
| Total domestic deposits to total assets | 90.6131% | 293 |
| Equity capital to assets | 9.1361% | 5,036 |
| Core capital (leverage) ratio | 8.7474% | 5,103 |
| Tier 1 risk-based capital ratio | 13.3349% | 3,961 |
| Total risk-based capital ratio | 14.5914% | 3,869 |
| Memoranda: | ||
| Average total assets | $202,399,750 | 2,942 |
| Average earning assets | $192,217,750 | 2,889 |
| Average equity | $18,588,250 | 3,359 |
| Average total loans | $159,353,500 | 2,531 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 3,139 |
| Cost of funding earning assets | 0.4044% | 2,987 |
| Net interest margin | 3.6251% | 2,994 |
| Noninterest income to average assets | 0.3937% | 3,919 |
| Noninterest expense to average assets | 3.1563% | 1,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4198% | 4,976 |
| Return on assets (ROA) | 0.4293% | 5,032 |
| Pretax return on assets | 0.6924% | 4,640 |
| Return on Equity (ROE) | 4.6662% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.6662% | 2,938 |
| Net charge-offs to loans | 0.1257% | 1,586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.8500% | 2,695 |
| Efficiency ratio | 82.3271% | 1,233 |
| Assets per employee ($millions) | 4.7009% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3602% | 2,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 80.1154% | 880 |
| Net loans and leases to deposits | 88.3819% | 1,937 |
| Net loans and leases to core deposits | 97.1166% | 1,881 |
| Total domestic deposits to total assets | 90.6468% | 276 |
| Equity capital to assets | 9.1473% | 5,114 |
| Core capital (leverage) ratio | 8.8533% | 4,994 |
| Tier 1 risk-based capital ratio | 13.0329% | 4,184 |
| Total risk-based capital ratio | 14.2905% | 4,095 |
| Memoranda: | ||
| Average total assets | $202,197,330 | 2,960 |
| Average earning assets | $191,882,000 | 2,909 |
| Average equity | $18,602,000 | 3,357 |
| Average total loans | $159,075,670 | 2,543 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9805% | 3,286 |
| Cost of funding earning assets | 0.3991% | 3,075 |
| Net interest margin | 3.5814% | 3,158 |
| Noninterest income to average assets | 0.3542% | 4,195 |
| Noninterest expense to average assets | 3.0499% | 2,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4310% | 4,896 |
| Return on assets (ROA) | 0.4323% | 4,970 |
| Pretax return on assets | 0.7004% | 4,525 |
| Return on Equity (ROE) | 4.6847% | 4,631 |
| Retained earnings to average equity (ytd only) | 4.6847% | 3,128 |
| Net charge-offs to loans | 0.4605% | 487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.9607% | 2,748 |
| Efficiency ratio | 81.3668% | 1,445 |
| Assets per employee ($millions) | 4.9220% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 2,349 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 74.2929% | 1,687 |
| Net loans and leases to deposits | 81.8406% | 2,566 |
| Net loans and leases to core deposits | 86.1195% | 2,737 |
| Total domestic deposits to total assets | 90.7776% | 337 |
| Equity capital to assets | 8.9979% | 5,170 |
| Core capital (leverage) ratio | 8.8836% | 4,980 |
| Tier 1 risk-based capital ratio | 13.3742% | 4,054 |
| Total risk-based capital ratio | 14.6331% | 3,971 |
| Memoranda: | ||
| Average total assets | $199,877,000 | 2,989 |
| Average earning assets | $189,424,000 | 2,937 |
| Average equity | $18,443,000 | 3,376 |
| Average total loans | $154,616,500 | 2,587 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0963% | 2,935 |
| Cost of funding earning assets | 0.3160% | 4,076 |
| Net interest margin | 3.7802% | 2,445 |
| Noninterest income to average assets | 0.4862% | 3,427 |
| Noninterest expense to average assets | 3.0002% | 2,543 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6462% | 4,054 |
| Return on assets (ROA) | 0.6542% | 4,114 |
| Pretax return on assets | 1.0547% | 3,247 |
| Return on Equity (ROE) | 6.5186% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.5186% | 1,529 |
| Net charge-offs to loans | 0.0028% | 4,366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 459.2500% | 145 |
| Efficiency ratio | 74.2175% | 2,545 |
| Assets per employee ($millions) | 4.5959% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 1,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 78.2572% | 1,084 |
| Net loans and leases to deposits | 88.3939% | 1,825 |
| Net loans and leases to core deposits | 92.7733% | 2,152 |
| Total domestic deposits to total assets | 88.5323% | 1,365 |
| Equity capital to assets | 9.4727% | 4,585 |
| Core capital (leverage) ratio | 9.2683% | 4,520 |
| Tier 1 risk-based capital ratio | 13.4665% | 4,023 |
| Total risk-based capital ratio | 14.7295% | 3,958 |
| Memoranda: | ||
| Average total assets | $176,253,800 | 3,216 |
| Average earning assets | $165,809,400 | 3,179 |
| Average equity | $17,687,800 | 3,428 |
| Average total loans | $140,832,200 | 2,714 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 2,934 |
| Cost of funding earning assets | 0.3072% | 4,252 |
| Net interest margin | 3.7922% | 2,418 |
| Noninterest income to average assets | 0.5037% | 3,339 |
| Noninterest expense to average assets | 3.0314% | 2,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6445% | 4,160 |
| Return on assets (ROA) | 0.6525% | 4,230 |
| Pretax return on assets | 1.0531% | 3,398 |
| Return on Equity (ROE) | 6.4010% | 3,957 |
| Retained earnings to average equity (ytd only) | 6.4010% | 2,016 |
| Net charge-offs to loans | 0.0194% | 3,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 67.1399% | 838 |
| Efficiency ratio | 74.4434% | 2,482 |
| Assets per employee ($millions) | 4.6164% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6072% | 1,767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 78.5424% | 1,019 |
| Net loans and leases to deposits | 89.0271% | 1,764 |
| Net loans and leases to core deposits | 94.9287% | 1,986 |
| Total domestic deposits to total assets | 88.2230% | 1,439 |
| Equity capital to assets | 9.7532% | 4,445 |
| Core capital (leverage) ratio | 9.5044% | 4,297 |
| Tier 1 risk-based capital ratio | 13.4551% | 4,165 |
| Total risk-based capital ratio | 14.7197% | 4,087 |
| Memoranda: | ||
| Average total assets | $172,060,000 | 3,299 |
| Average earning assets | $161,907,000 | 3,255 |
| Average equity | $17,538,500 | 3,475 |
| Average total loans | $137,679,250 | 2,770 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 2,957 |
| Cost of funding earning assets | 0.2955% | 4,441 |
| Net interest margin | 3.7883% | 2,366 |
| Noninterest income to average assets | 0.5421% | 3,095 |
| Noninterest expense to average assets | 3.0775% | 2,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6336% | 4,205 |
| Return on assets (ROA) | 0.6458% | 4,253 |
| Pretax return on assets | 1.0425% | 3,406 |
| Return on Equity (ROE) | 6.2366% | 4,021 |
| Retained earnings to average equity (ytd only) | 6.2366% | 2,096 |
| Net charge-offs to loans | 0.1012% | 1,993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 12.6324% | 2,190 |
| Efficiency ratio | 75.0436% | 2,530 |
| Assets per employee ($millions) | 4.7859% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6920% | 1,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 78.2689% | 1,037 |
| Net loans and leases to deposits | 87.6515% | 1,878 |
| Net loans and leases to core deposits | 89.3189% | 2,412 |
| Total domestic deposits to total assets | 89.2955% | 1,007 |
| Equity capital to assets | 10.2291% | 3,776 |
| Core capital (leverage) ratio | 9.6160% | 4,116 |
| Tier 1 risk-based capital ratio | 13.8659% | 3,994 |
| Total risk-based capital ratio | 15.1333% | 3,924 |
| Memoranda: | ||
| Average total assets | $167,861,000 | 3,388 |
| Average earning assets | $157,694,000 | 3,338 |
| Average equity | $17,381,330 | 3,513 |
| Average total loans | $134,438,000 | 2,842 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1229% | 2,737 |
| Cost of funding earning assets | 0.2919% | 4,530 |
| Net interest margin | 3.8310% | 2,127 |
| Noninterest income to average assets | 0.4805% | 3,419 |
| Noninterest expense to average assets | 3.0861% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6037% | 4,276 |
| Return on assets (ROA) | 0.6037% | 4,369 |
| Pretax return on assets | 0.9756% | 3,579 |
| Return on Equity (ROE) | 5.7937% | 4,142 |
| Retained earnings to average equity (ytd only) | 5.7937% | 2,610 |
| Net charge-offs to loans | 0.1713% | 1,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.0877% | 2,208 |
| Efficiency ratio | 75.9810% | 2,514 |
| Assets per employee ($millions) | 4.6615% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7610% | 1,585 |
| Loan loss allowance to noncurrent loans | 724.2236% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 5,187 |
| Noncurrent loans to loans | 0.2432% | 4,905 |
| Net loans and leases to total assets | 77.5217% | 990 |
| Net loans and leases to deposits | 86.6917% | 1,754 |
| Net loans and leases to core deposits | 88.0834% | 2,323 |
| Total domestic deposits to total assets | 89.4223% | 1,032 |
| Equity capital to assets | 10.3751% | 3,684 |
| Core capital (leverage) ratio | 9.7863% | 3,905 |
| Tier 1 risk-based capital ratio | 13.9546% | 4,055 |
| Total risk-based capital ratio | 15.2230% | 3,958 |
| Memoranda: | ||
| Average total assets | $165,645,500 | 3,431 |
| Average earning assets | $154,843,500 | 3,394 |
| Average equity | $17,260,000 | 3,554 |
| Average total loans | $133,071,000 | 2,866 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 3,707 |
| Cost of funding earning assets | 0.3016% | 4,776 |
| Net interest margin | 3.7049% | 2,992 |
| Noninterest income to average assets | 0.5218% | 3,347 |
| Noninterest expense to average assets | 3.0419% | 2,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5831% | 4,453 |
| Return on assets (ROA) | 0.6138% | 4,408 |
| Pretax return on assets | 0.9989% | 3,502 |
| Return on Equity (ROE) | 6.4062% | 3,953 |
| Retained earnings to average equity (ytd only) | 6.4062% | 1,705 |
| Net charge-offs to loans | -0.0035% | 5,426 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1850% | 2,480 |
| Assets per employee ($millions) | 4.5410% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7866% | 1,564 |
| Loan loss allowance to noncurrent loans | 615.7216% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 5,070 |
| Noncurrent loans to loans | 0.2902% | 4,810 |
| Net loans and leases to total assets | 80.3347% | 699 |
| Net loans and leases to deposits | 91.0615% | 1,396 |
| Net loans and leases to core deposits | 92.6136% | 2,030 |
| Total domestic deposits to total assets | 88.2203% | 1,650 |
| Equity capital to assets | 10.4658% | 3,525 |
| Core capital (leverage) ratio | 10.1914% | 3,320 |
| Tier 1 risk-based capital ratio | 13.5046% | 4,411 |
| Total risk-based capital ratio | 14.7647% | 4,342 |
| Memoranda: | ||
| Average total assets | $152,173,000 | 3,598 |
| Average earning assets | $142,568,200 | 3,559 |
| Average equity | $14,579,600 | 3,918 |
| Average total loans | $114,276,800 | 3,135 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 3,891 |
| Cost of funding earning assets | 0.3078% | 4,810 |
| Net interest margin | 3.6602% | 3,187 |
| Noninterest income to average assets | 0.5571% | 3,153 |
| Noninterest expense to average assets | 3.0505% | 2,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5779% | 4,550 |
| Return on assets (ROA) | 0.6196% | 4,447 |
| Pretax return on assets | 1.0115% | 3,547 |
| Return on Equity (ROE) | 6.6344% | 3,886 |
| Retained earnings to average equity (ytd only) | 6.6344% | 2,022 |
| Net charge-offs to loans | 0.0256% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 50.4750% | 973 |
| Efficiency ratio | 76.3234% | 2,439 |
| Assets per employee ($millions) | 4.3868% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0621% | 1,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 75.2766% | 1,323 |
| Net loans and leases to deposits | 83.5342% | 2,219 |
| Net loans and leases to core deposits | 84.3273% | 2,844 |
| Total domestic deposits to total assets | 90.1146% | 677 |
| Equity capital to assets | 9.6165% | 4,649 |
| Core capital (leverage) ratio | 8.6258% | 5,531 |
| Tier 1 risk-based capital ratio | 12.4794% | 5,182 |
| Total risk-based capital ratio | 13.7424% | 5,110 |
| Memoranda: | ||
| Average total assets | $149,347,250 | 3,666 |
| Average earning assets | $140,353,250 | 3,626 |
| Average equity | $13,947,250 | 4,052 |
| Average total loans | $109,416,750 | 3,252 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 3,867 |
| Cost of funding earning assets | 0.3102% | 4,873 |
| Net interest margin | 3.6558% | 3,119 |
| Noninterest income to average assets | 0.4979% | 3,496 |
| Noninterest expense to average assets | 3.0386% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5479% | 4,612 |
| Return on assets (ROA) | 0.6104% | 4,401 |
| Pretax return on assets | 0.9959% | 3,490 |
| Return on Equity (ROE) | 6.6014% | 3,836 |
| Retained earnings to average equity (ytd only) | 6.6014% | 1,981 |
| Net charge-offs to loans | 0.1895% | 1,892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.5784% | 2,750 |
| Efficiency ratio | 77.1846% | 2,429 |
| Assets per employee ($millions) | 4.5849% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1315% | 1,118 |
| Loan loss allowance to noncurrent loans | 231.3070% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 3,514 |
| Noncurrent loans to loans | 0.9215% | 3,417 |
| Net loans and leases to total assets | 69.2824% | 2,190 |
| Net loans and leases to deposits | 76.5867% | 2,978 |
| Net loans and leases to core deposits | 77.2994% | 3,511 |
| Total domestic deposits to total assets | 90.4627% | 603 |
| Equity capital to assets | 9.3397% | 4,934 |
| Core capital (leverage) ratio | 8.2486% | 5,891 |
| Tier 1 risk-based capital ratio | 12.9450% | 4,948 |
| Total risk-based capital ratio | 14.2089% | 4,874 |
| Memoranda: | ||
| Average total assets | $149,413,000 | 3,687 |
| Average earning assets | $140,543,000 | 3,638 |
| Average equity | $13,815,330 | 4,077 |
| Average total loans | $107,676,000 | 3,292 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0249% | 3,588 |
| Cost of funding earning assets | 0.3067% | 4,998 |
| Net interest margin | 3.7181% | 2,795 |
| Noninterest income to average assets | 0.2721% | 5,196 |
| Noninterest expense to average assets | 3.0121% | 2,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4661% | 4,867 |
| Return on assets (ROA) | 0.4661% | 4,933 |
| Pretax return on assets | 0.7544% | 4,292 |
| Return on Equity (ROE) | 5.0668% | 4,520 |
| Retained earnings to average equity (ytd only) | 5.0668% | 3,083 |
| Net charge-offs to loans | -0.0445% | 5,757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9714% | 2,214 |
| Assets per employee ($millions) | 4.6051% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2108% | 1,145 |
| Loan loss allowance to noncurrent loans | 187.5587% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 1.1588% | 2,943 |
| Noncurrent loans to loans | 1.1787% | 3,079 |
| Net loans and leases to total assets | 69.7671% | 1,938 |
| Net loans and leases to deposits | 76.9487% | 2,689 |
| Net loans and leases to core deposits | 77.6583% | 3,236 |
| Total domestic deposits to total assets | 90.6671% | 700 |
| Equity capital to assets | 9.0993% | 5,002 |
| Core capital (leverage) ratio | 8.1391% | 6,004 |
| Tier 1 risk-based capital ratio | 12.1605% | 5,535 |
| Total risk-based capital ratio | 13.4250% | 5,451 |
| Memoranda: | ||
| Average total assets | $148,469,000 | 3,724 |
| Average earning assets | $139,533,000 | 3,675 |
| Average equity | $13,657,500 | 4,115 |
| Average total loans | $107,960,000 | 3,302 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 4,084 |
| Cost of funding earning assets | 0.3326% | 5,301 |
| Net interest margin | 3.6662% | 3,192 |
| Noninterest income to average assets | 0.2777% | 5,367 |
| Noninterest expense to average assets | 3.1390% | 2,620 |
| Loan and lease loss provision to assets | 0.0142% | 4,844 |
| Net operating income to assets | 2.3993% | 192 |
| Return on assets (ROA) | 2.4021% | 193 |
| Pretax return on assets | 0.6037% | 4,866 |
| Return on Equity (ROE) | 37.7641% | 33 |
| Retained earnings to average equity (ytd only) | 37.7641% | 16 |
| Net charge-offs to loans | 0.1849% | 2,991 |
| Credit loss provision to net charge-offs | 10.7527% | 4,574 |
| Earnings coverage of net charge-offs (x) | 4.6452% | 3,503 |
| Efficiency ratio | 83.6146% | 1,675 |
| Assets per employee ($millions) | 4.3931% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2186% | 1,154 |
| Loan loss allowance to noncurrent loans | 241.6413% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 1.0209% | 3,383 |
| Noncurrent loans to loans | 0.9181% | 3,690 |
| Net loans and leases to total assets | 72.5076% | 1,597 |
| Net loans and leases to deposits | 81.5256% | 2,248 |
| Net loans and leases to core deposits | 82.3353% | 2,859 |
| Total domestic deposits to total assets | 88.9385% | 1,672 |
| Equity capital to assets | 9.3032% | 4,687 |
| Core capital (leverage) ratio | 8.1979% | 5,977 |
| Tier 1 risk-based capital ratio | 11.7538% | 5,776 |
| Total risk-based capital ratio | 13.0186% | 5,693 |
| Memoranda: | ||
| Average total assets | $140,459,800 | 3,866 |
| Average earning assets | $133,189,400 | 3,770 |
| Average equity | $8,934,400 | 5,097 |
| Average total loans | $100,574,400 | 3,430 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 4,237 |
| Cost of funding earning assets | 0.3401% | 5,380 |
| Net interest margin | 3.6304% | 3,320 |
| Noninterest income to average assets | 0.2833% | 5,419 |
| Noninterest expense to average assets | 3.1540% | 2,492 |
| Loan and lease loss provision to assets | 0.0191% | 4,629 |
| Net operating income to assets | 0.3602% | 5,401 |
| Return on assets (ROA) | 0.3627% | 5,531 |
| Pretax return on assets | 0.5665% | 5,146 |
| Return on Equity (ROE) | 6.4816% | 3,943 |
| Retained earnings to average equity (ytd only) | 6.4816% | 2,147 |
| Net charge-offs to loans | 0.1093% | 3,445 |
| Credit loss provision to net charge-offs | 24.6914% | 3,987 |
| Earnings coverage of net charge-offs (x) | 7.5060% | 2,786 |
| Efficiency ratio | 84.4262% | 1,546 |
| Assets per employee ($millions) | 4.1945% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4360% | 1,003 |
| Loan loss allowance to noncurrent loans | 222.5201% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 1.1855% | 3,287 |
| Noncurrent loans to loans | 1.0947% | 3,601 |
| Net loans and leases to total assets | 72.0477% | 1,588 |
| Net loans and leases to deposits | 77.5102% | 2,736 |
| Net loans and leases to core deposits | 78.2805% | 3,322 |
| Total domestic deposits to total assets | 92.9525% | 127 |
| Equity capital to assets | 5.6322% | 6,724 |
| Core capital (leverage) ratio | 5.7528% | 6,742 |
| Tier 1 risk-based capital ratio | 8.4991% | 6,747 |
| Total risk-based capital ratio | 9.7663% | 6,749 |
| Memoranda: | ||
| Average total assets | $139,332,000 | 3,926 |
| Average earning assets | $132,507,500 | 3,827 |
| Average equity | $7,796,250 | 5,449 |
| Average total loans | $98,843,000 | 3,503 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9155% | 4,422 |
| Cost of funding earning assets | 0.3497% | 5,410 |
| Net interest margin | 3.5658% | 3,497 |
| Noninterest income to average assets | 0.3122% | 5,208 |
| Noninterest expense to average assets | 3.1768% | 2,419 |
| Loan and lease loss provision to assets | 0.0286% | 4,356 |
| Net operating income to assets | 0.3228% | 5,512 |
| Return on assets (ROA) | 0.3266% | 5,657 |
| Pretax return on assets | 0.5013% | 5,374 |
| Return on Equity (ROE) | 5.8489% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.8489% | 2,521 |
| Net charge-offs to loans | -0.5178% | 6,828 |
| Credit loss provision to net charge-offs | -7.9051% | 5,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8359% | 1,429 |
| Assets per employee ($millions) | 4.2316% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8365% | 683 |
| Loan loss allowance to noncurrent loans | 238.5135% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 1.2432% | 3,266 |
| Noncurrent loans to loans | 1.1892% | 3,572 |
| Net loans and leases to total assets | 69.2743% | 2,024 |
| Net loans and leases to deposits | 73.5881% | 3,217 |
| Net loans and leases to core deposits | 74.3026% | 3,763 |
| Total domestic deposits to total assets | 94.1379% | 55 |
| Equity capital to assets | 5.5836% | 6,781 |
| Core capital (leverage) ratio | 5.5786% | 6,789 |
| Tier 1 risk-based capital ratio | 8.5777% | 6,784 |
| Total risk-based capital ratio | 9.8505% | 6,784 |
| Memoranda: | ||
| Average total assets | $139,636,670 | 3,956 |
| Average earning assets | $132,704,000 | 3,851 |
| Average equity | $7,796,330 | 5,485 |
| Average total loans | $97,718,330 | 3,546 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9365% | 4,343 |
| Cost of funding earning assets | 0.3831% | 5,254 |
| Net interest margin | 3.5534% | 3,464 |
| Noninterest income to average assets | 0.1289% | 6,449 |
| Noninterest expense to average assets | 3.2714% | 2,159 |
| Loan and lease loss provision to assets | 0.0573% | 3,677 |
| Net operating income to assets | 0.1633% | 5,998 |
| Return on assets (ROA) | 0.1633% | 6,100 |
| Pretax return on assets | 0.1747% | 6,123 |
| Return on Equity (ROE) | 2.9246% | 5,613 |
| Retained earnings to average equity (ytd only) | 2.9246% | 4,524 |
| Net charge-offs to loans | 0.0868% | 2,972 |
| Credit loss provision to net charge-offs | 95.2381% | 1,938 |
| Earnings coverage of net charge-offs (x) | 3.8571% | 2,657 |
| Efficiency ratio | 93.3769% | 884 |
| Assets per employee ($millions) | 4.5012% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6655% | 955 |
| Loan loss allowance to noncurrent loans | 210.3135% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 1.4706% | 3,054 |
| Noncurrent loans to loans | 1.2674% | 3,659 |
| Net loans and leases to total assets | 66.7056% | 2,246 |
| Net loans and leases to deposits | 70.9179% | 3,338 |
| Net loans and leases to core deposits | 71.6058% | 3,866 |
| Total domestic deposits to total assets | 94.0604% | 71 |
| Equity capital to assets | 5.6050% | 6,855 |
| Core capital (leverage) ratio | 5.3952% | 6,853 |
| Tier 1 risk-based capital ratio | 8.5547% | 6,836 |
| Total risk-based capital ratio | 9.8246% | 6,840 |
| Memoranda: | ||
| Average total assets | $139,634,000 | 3,994 |
| Average earning assets | $132,606,000 | 3,890 |
| Average equity | $7,796,000 | 5,544 |
| Average total loans | $96,797,500 | 3,597 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 4,249 |
| Cost of funding earning assets | 0.5677% | 4,665 |
| Net interest margin | 3.7185% | 3,566 |
| Noninterest income to average assets | -0.0946% | 6,913 |
| Noninterest expense to average assets | 3.5348% | 1,747 |
| Loan and lease loss provision to assets | 0.6971% | 741 |
| Net operating income to assets | -2.6311% | 6,986 |
| Return on assets (ROA) | -2.6311% | 6,986 |
| Pretax return on assets | -0.9052% | 6,706 |
| Return on Equity (ROE) | -39.2702% | 6,993 |
| Retained earnings to average equity (ytd only) | -39.2702% | 6,984 |
| Net charge-offs to loans | 1.8232% | 440 |
| Credit loss provision to net charge-offs | 53.3149% | 4,611 |
| Earnings coverage of net charge-offs (x) | -0.1591% | 5,559 |
| Efficiency ratio | 106.2541% | 405 |
| Assets per employee ($millions) | 4.5075% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6039% | 1,015 |
| Loan loss allowance to noncurrent loans | 174.6064% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 1.7376% | 2,784 |
| Noncurrent loans to loans | 1.4913% | 3,368 |
| Net loans and leases to total assets | 68.2855% | 2,137 |
| Net loans and leases to deposits | 72.5090% | 3,325 |
| Net loans and leases to core deposits | 73.2094% | 3,890 |
| Total domestic deposits to total assets | 94.1752% | 62 |
| Equity capital to assets | 5.5614% | 6,917 |
| Core capital (leverage) ratio | 5.5350% | 6,891 |
| Tier 1 risk-based capital ratio | 8.0759% | 6,910 |
| Total risk-based capital ratio | 9.3430% | 6,910 |
| Memoranda: | ||
| Average total assets | $138,422,400 | 3,977 |
| Average earning assets | $127,364,800 | 3,962 |
| Average equity | $9,274,200 | 5,154 |
| Average total loans | $99,278,400 | 3,541 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3502% | 4,254 |
| Cost of funding earning assets | 0.5986% | 4,667 |
| Net interest margin | 3.7515% | 3,545 |
| Noninterest income to average assets | -0.1323% | 7,044 |
| Noninterest expense to average assets | 3.4787% | 1,807 |
| Loan and lease loss provision to assets | 0.8545% | 538 |
| Net operating income to assets | -3.3213% | 7,122 |
| Return on assets (ROA) | -3.3213% | 7,122 |
| Pretax return on assets | -1.0408% | 6,876 |
| Return on Equity (ROE) | -47.5290% | 7,113 |
| Retained earnings to average equity (ytd only) | -47.5290% | 7,108 |
| Net charge-offs to loans | 1.0950% | 933 |
| Credit loss provision to net charge-offs | 108.1907% | 2,714 |
| Earnings coverage of net charge-offs (x) | -0.2359% | 5,422 |
| Efficiency ratio | 105.6598% | 391 |
| Assets per employee ($millions) | 4.3305% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5055% | 470 |
| Loan loss allowance to noncurrent loans | 181.2565% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 2.4575% | 2,154 |
| Noncurrent loans to loans | 1.9340% | 2,920 |
| Net loans and leases to total assets | 70.9886% | 1,726 |
| Net loans and leases to deposits | 75.7229% | 3,024 |
| Net loans and leases to core deposits | 76.6603% | 3,656 |
| Total domestic deposits to total assets | 93.7480% | 77 |
| Equity capital to assets | 5.9727% | 6,989 |
| Core capital (leverage) ratio | 5.7853% | 6,962 |
| Tier 1 risk-based capital ratio | 8.1674% | 6,984 |
| Total risk-based capital ratio | 9.4470% | 6,984 |
| Memoranda: | ||
| Average total assets | $138,095,250 | 4,021 |
| Average earning assets | $126,061,000 | 4,015 |
| Average equity | $9,650,000 | 5,111 |
| Average total loans | $99,606,250 | 3,567 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4195% | 4,108 |
| Cost of funding earning assets | 0.6323% | 4,608 |
| Net interest margin | 3.7872% | 3,422 |
| Noninterest income to average assets | -0.3013% | 7,154 |
| Noninterest expense to average assets | 3.5400% | 1,699 |
| Loan and lease loss provision to assets | 0.8753% | 547 |
| Net operating income to assets | -4.7339% | 7,205 |
| Return on assets (ROA) | -4.7339% | 7,206 |
| Pretax return on assets | -1.2957% | 6,968 |
| Return on Equity (ROE) | -64.7243% | 7,188 |
| Retained earnings to average equity (ytd only) | -64.7243% | 7,183 |
| Net charge-offs to loans | 0.8750% | 1,258 |
| Credit loss provision to net charge-offs | 139.5881% | 1,974 |
| Earnings coverage of net charge-offs (x) | -0.6705% | 5,263 |
| Efficiency ratio | 113.4775% | 285 |
| Assets per employee ($millions) | 4.4278% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6728% | 438 |
| Loan loss allowance to noncurrent loans | 160.3324% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 3.3760% | 1,592 |
| Noncurrent loans to loans | 2.2907% | 2,622 |
| Net loans and leases to total assets | 68.1946% | 2,260 |
| Net loans and leases to deposits | 72.6670% | 3,503 |
| Net loans and leases to core deposits | 73.5439% | 4,089 |
| Total domestic deposits to total assets | 93.8454% | 85 |
| Equity capital to assets | 5.9040% | 7,035 |
| Core capital (leverage) ratio | 5.6327% | 7,019 |
| Tier 1 risk-based capital ratio | 8.2055% | 7,031 |
| Total risk-based capital ratio | 9.4852% | 7,032 |
| Memoranda: | ||
| Average total assets | $139,379,000 | 4,025 |
| Average earning assets | $125,897,670 | 4,034 |
| Average equity | $10,194,000 | 4,984 |
| Average total loans | $99,888,330 | 3,575 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6030% | 3,486 |
| Cost of funding earning assets | 0.6970% | 4,308 |
| Net interest margin | 3.9059% | 2,894 |
| Noninterest income to average assets | -0.5469% | 7,258 |
| Noninterest expense to average assets | 3.2954% | 2,302 |
| Loan and lease loss provision to assets | 0.9969% | 417 |
| Net operating income to assets | -0.8630% | 6,972 |
| Return on assets (ROA) | -0.8630% | 6,988 |
| Pretax return on assets | -1.3757% | 7,063 |
| Return on Equity (ROE) | -10.7839% | 7,001 |
| Retained earnings to average equity (ytd only) | -10.7839% | 6,861 |
| Net charge-offs to loans | 1.2169% | 844 |
| Credit loss provision to net charge-offs | 113.6364% | 2,080 |
| Earnings coverage of net charge-offs (x) | -0.4318% | 4,490 |
| Efficiency ratio | 112.9883% | 303 |
| Assets per employee ($millions) | 4.6471% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4968% | 537 |
| Loan loss allowance to noncurrent loans | 154.1256% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 3.9088% | 1,425 |
| Noncurrent loans to loans | 2.2688% | 2,839 |
| Net loans and leases to total assets | 65.8439% | 2,495 |
| Net loans and leases to deposits | 71.6258% | 3,489 |
| Net loans and leases to core deposits | 72.6311% | 4,065 |
| Total domestic deposits to total assets | 91.9276% | 274 |
| Equity capital to assets | 7.6955% | 6,694 |
| Core capital (leverage) ratio | 5.9819% | 7,041 |
| Tier 1 risk-based capital ratio | 8.3673% | 7,078 |
| Total risk-based capital ratio | 9.6444% | 7,077 |
| Memoranda: | ||
| Average total assets | $140,437,000 | 4,024 |
| Average earning assets | $124,528,000 | 4,101 |
| Average equity | $11,239,000 | 4,777 |
| Average total loans | $101,245,000 | 3,562 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8308% | 3,663 |
| Cost of funding earning assets | 0.7740% | 5,039 |
| Net interest margin | 4.0568% | 2,609 |
| Noninterest income to average assets | -0.1429% | 7,128 |
| Noninterest expense to average assets | 3.1677% | 2,975 |
| Loan and lease loss provision to assets | 0.5993% | 1,722 |
| Net operating income to assets | -0.1878% | 6,244 |
| Return on assets (ROA) | -0.0898% | 6,232 |
| Pretax return on assets | -0.1339% | 6,228 |
| Return on Equity (ROE) | -1.1489% | 6,258 |
| Retained earnings to average equity (ytd only) | -1.1489% | 6,031 |
| Net charge-offs to loans | 1.6860% | 904 |
| Credit loss provision to net charge-offs | 46.0477% | 5,513 |
| Earnings coverage of net charge-offs (x) | 0.2451% | 5,643 |
| Efficiency ratio | 90.8515% | 1,129 |
| Assets per employee ($millions) | 4.2755% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2591% | 641 |
| Loan loss allowance to noncurrent loans | 95.0196% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 5.6609% | 894 |
| Noncurrent loans to loans | 3.4300% | 1,878 |
| Net loans and leases to total assets | 73.6783% | 1,329 |
| Net loans and leases to deposits | 80.4834% | 2,432 |
| Net loans and leases to core deposits | 83.1351% | 3,002 |
| Total domestic deposits to total assets | 91.5448% | 323 |
| Equity capital to assets | 8.3266% | 6,324 |
| Core capital (leverage) ratio | 6.5169% | 6,978 |
| Tier 1 risk-based capital ratio | 8.3158% | 7,090 |
| Total risk-based capital ratio | 9.5991% | 7,090 |
| Memoranda: | ||
| Average total assets | $144,835,200 | 3,893 |
| Average earning assets | $129,585,600 | 3,939 |
| Average equity | $11,315,000 | 4,712 |
| Average total loans | $111,802,800 | 3,339 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8060% | 3,995 |
| Cost of funding earning assets | 0.7787% | 5,283 |
| Net interest margin | 4.0272% | 2,793 |
| Noninterest income to average assets | -0.1153% | 7,221 |
| Noninterest expense to average assets | 3.0518% | 3,345 |
| Loan and lease loss provision to assets | 0.7836% | 1,195 |
| Net operating income to assets | -0.2089% | 6,395 |
| Return on assets (ROA) | -0.0799% | 6,347 |
| Pretax return on assets | -0.1189% | 6,351 |
| Return on Equity (ROE) | -1.0387% | 6,384 |
| Retained earnings to average equity (ytd only) | -1.0387% | 6,161 |
| Net charge-offs to loans | 2.0802% | 596 |
| Credit loss provision to net charge-offs | 48.6471% | 5,063 |
| Earnings coverage of net charge-offs (x) | 0.2931% | 5,384 |
| Efficiency ratio | 86.6014% | 1,473 |
| Assets per employee ($millions) | 4.5266% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3525% | 634 |
| Loan loss allowance to noncurrent loans | 104.7249% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 6.1230% | 864 |
| Noncurrent loans to loans | 3.2013% | 2,171 |
| Net loans and leases to total assets | 71.9456% | 1,717 |
| Net loans and leases to deposits | 79.8186% | 2,680 |
| Net loans and leases to core deposits | 82.7096% | 3,225 |
| Total domestic deposits to total assets | 90.1364% | 796 |
| Equity capital to assets | 8.1725% | 6,582 |
| Core capital (leverage) ratio | 6.3550% | 7,095 |
| Tier 1 risk-based capital ratio | 7.9565% | 7,196 |
| Total risk-based capital ratio | 9.2221% | 7,199 |
| Memoranda: | ||
| Average total assets | $146,840,250 | 3,871 |
| Average earning assets | $132,693,000 | 3,898 |
| Average equity | $11,295,750 | 4,733 |
| Average total loans | $113,703,750 | 3,326 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8578% | 3,830 |
| Cost of funding earning assets | 0.7919% | 5,436 |
| Net interest margin | 4.0659% | 2,546 |
| Noninterest income to average assets | -0.1047% | 7,293 |
| Noninterest expense to average assets | 2.9944% | 3,661 |
| Loan and lease loss provision to assets | 0.9771% | 901 |
| Net operating income to assets | -0.2465% | 6,514 |
| Return on assets (ROA) | -0.0644% | 6,370 |
| Pretax return on assets | -0.1047% | 6,369 |
| Return on Equity (ROE) | -0.8542% | 6,390 |
| Retained earnings to average equity (ytd only) | -0.8542% | 6,028 |
| Net charge-offs to loans | 1.7108% | 836 |
| Credit loss provision to net charge-offs | 72.8729% | 3,987 |
| Earnings coverage of net charge-offs (x) | 0.4384% | 4,975 |
| Efficiency ratio | 83.5894% | 1,873 |
| Assets per employee ($millions) | 5.0889% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6023% | 560 |
| Loan loss allowance to noncurrent loans | 96.7297% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 5.4550% | 1,087 |
| Noncurrent loans to loans | 3.7241% | 1,886 |
| Net loans and leases to total assets | 72.5846% | 1,667 |
| Net loans and leases to deposits | 83.1610% | 2,242 |
| Net loans and leases to core deposits | 89.5545% | 2,433 |
| Total domestic deposits to total assets | 87.2820% | 2,580 |
| Equity capital to assets | 7.4791% | 6,959 |
| Core capital (leverage) ratio | 5.8008% | 7,224 |
| Tier 1 risk-based capital ratio | 7.4262% | 7,286 |
| Total risk-based capital ratio | 8.6081% | 7,292 |
| Memoranda: | ||
| Average total assets | $149,012,330 | 3,864 |
| Average earning assets | $135,123,670 | 3,882 |
| Average equity | $11,238,330 | 4,754 |
| Average total loans | $116,785,330 | 3,297 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 3,677 |
| Cost of funding earning assets | 0.8478% | 5,286 |
| Net interest margin | 4.0346% | 2,545 |
| Noninterest income to average assets | 0.5734% | 3,348 |
| Noninterest expense to average assets | 3.0710% | 3,383 |
| Loan and lease loss provision to assets | 1.0436% | 722 |
| Net operating income to assets | 0.0707% | 6,174 |
| Return on assets (ROA) | 0.0707% | 6,226 |
| Pretax return on assets | 0.1060% | 6,155 |
| Return on Equity (ROE) | 0.9329% | 6,156 |
| Retained earnings to average equity (ytd only) | 0.9329% | 5,457 |
| Net charge-offs to loans | 2.7119% | 406 |
| Credit loss provision to net charge-offs | 48.1203% | 3,795 |
| Earnings coverage of net charge-offs (x) | 0.5301% | 4,223 |
| Efficiency ratio | 72.7624% | 3,721 |
| Assets per employee ($millions) | 4.8237% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5716% | 572 |
| Loan loss allowance to noncurrent loans | 66.6278% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 6.7736% | 804 |
| Noncurrent loans to loans | 5.3605% | 1,225 |
| Net loans and leases to total assets | 72.2020% | 1,679 |
| Net loans and leases to deposits | 79.5591% | 2,798 |
| Net loans and leases to core deposits | 80.9659% | 3,608 |
| Total domestic deposits to total assets | 90.7527% | 739 |
| Equity capital to assets | 7.7226% | 6,731 |
| Core capital (leverage) ratio | 6.2225% | 7,217 |
| Tier 1 risk-based capital ratio | 7.8727% | 7,305 |
| Total risk-based capital ratio | 9.1406% | 7,308 |
| Memoranda: | ||
| Average total assets | $147,185,500 | 3,929 |
| Average earning assets | $133,047,500 | 3,955 |
| Average equity | $11,148,500 | 4,759 |
| Average total loans | $117,701,500 | 3,295 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0689% | 4,240 |
| Cost of funding earning assets | 0.9720% | 5,825 |
| Net interest margin | 4.0969% | 2,576 |
| Noninterest income to average assets | 0.1893% | 6,403 |
| Noninterest expense to average assets | 3.6656% | 1,779 |
| Loan and lease loss provision to assets | 3.4113% | 239 |
| Net operating income to assets | -2.2534% | 7,128 |
| Return on assets (ROA) | -2.2534% | 7,141 |
| Pretax return on assets | -3.1346% | 7,317 |
| Return on Equity (ROE) | -29.3202% | 7,218 |
| Retained earnings to average equity (ytd only) | -30.3891% | 7,222 |
| Net charge-offs to loans | 2.4943% | 754 |
| Credit loss provision to net charge-offs | 167.6680% | 2,028 |
| Earnings coverage of net charge-offs (x) | 0.1360% | 5,985 |
| Efficiency ratio | 92.9822% | 1,121 |
| Assets per employee ($millions) | 4.6721% | 2,592 |
| Cash dividends to net income (ytd only)* | -3.6454% | 7,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5743% | 560 |
| Loan loss allowance to noncurrent loans | 51.9181% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 7.5265% | 689 |
| Noncurrent loans to loans | 6.8845% | 834 |
| Net loans and leases to total assets | 82.1790% | 439 |
| Net loans and leases to deposits | 91.2453% | 1,362 |
| Net loans and leases to core deposits | 97.7409% | 1,821 |
| Total domestic deposits to total assets | 90.0639% | 1,060 |
| Equity capital to assets | 7.4215% | 6,924 |
| Core capital (leverage) ratio | 5.9594% | 7,304 |
| Tier 1 risk-based capital ratio | 7.1245% | 7,410 |
| Total risk-based capital ratio | 8.2719% | 7,426 |
| Memoranda: | ||
| Average total assets | $152,171,200 | 3,843 |
| Average earning assets | $139,398,400 | 3,831 |
| Average equity | $11,695,000 | 4,696 |
| Average total loans | $124,124,200 | 3,233 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0636% | 4,519 |
| Cost of funding earning assets | 0.9832% | 6,020 |
| Net interest margin | 4.0804% | 2,706 |
| Noninterest income to average assets | 0.1879% | 6,541 |
| Noninterest expense to average assets | 3.6474% | 1,678 |
| Loan and lease loss provision to assets | 4.2058% | 137 |
| Net operating income to assets | -3.0327% | 7,457 |
| Return on assets (ROA) | -3.0327% | 7,468 |
| Pretax return on assets | -3.9288% | 7,556 |
| Return on Equity (ROE) | -39.1447% | 7,484 |
| Retained earnings to average equity (ytd only) | -40.2510% | 7,492 |
| Net charge-offs to loans | 3.2062% | 453 |
| Credit loss provision to net charge-offs | 162.5293% | 2,320 |
| Earnings coverage of net charge-offs (x) | 0.1071% | 5,912 |
| Efficiency ratio | 92.9407% | 1,062 |
| Assets per employee ($millions) | 4.7304% | 2,555 |
| Cash dividends to net income (ytd only)* | -2.8262% | 7,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5012% | 538 |
| Loan loss allowance to noncurrent loans | 49.4565% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 7.5776% | 687 |
| Noncurrent loans to loans | 7.0793% | 782 |
| Net loans and leases to total assets | 78.6761% | 932 |
| Net loans and leases to deposits | 85.9690% | 2,351 |
| Net loans and leases to core deposits | 98.8883% | 1,948 |
| Total domestic deposits to total assets | 91.5168% | 299 |
| Equity capital to assets | 6.8281% | 7,377 |
| Core capital (leverage) ratio | 5.5979% | 7,482 |
| Tier 1 risk-based capital ratio | 6.8526% | 7,558 |
| Total risk-based capital ratio | 8.1293% | 7,564 |
| Memoranda: | ||
| Average total assets | $154,005,250 | 3,859 |
| Average earning assets | $141,029,750 | 3,849 |
| Average equity | $11,931,500 | 4,700 |
| Average total loans | $124,296,250 | 3,277 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0864% | 4,527 |
| Cost of funding earning assets | 1.0000% | 6,141 |
| Net interest margin | 4.0864% | 2,622 |
| Noninterest income to average assets | 0.1828% | 6,601 |
| Noninterest expense to average assets | 3.7684% | 1,418 |
| Loan and lease loss provision to assets | 4.0445% | 187 |
| Net operating income to assets | -2.9592% | 7,504 |
| Return on assets (ROA) | -2.9592% | 7,512 |
| Pretax return on assets | -3.8796% | 7,588 |
| Return on Equity (ROE) | -36.8308% | 7,508 |
| Retained earnings to average equity (ytd only) | -37.8808% | 7,506 |
| Net charge-offs to loans | 2.7233% | 609 |
| Credit loss provision to net charge-offs | 184.5974% | 2,135 |
| Earnings coverage of net charge-offs (x) | 0.0753% | 5,648 |
| Efficiency ratio | 95.8076% | 976 |
| Assets per employee ($millions) | 4.9245% | 2,271 |
| Cash dividends to net income (ytd only)* | -2.8510% | 7,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0717% | 780 |
| Loan loss allowance to noncurrent loans | 72.5592% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 5.1952% | 1,219 |
| Noncurrent loans to loans | 4.2333% | 1,760 |
| Net loans and leases to total assets | 77.8873% | 1,133 |
| Net loans and leases to deposits | 87.3894% | 2,280 |
| Net loans and leases to core deposits | 103.2342% | 1,710 |
| Total domestic deposits to total assets | 89.1267% | 1,365 |
| Equity capital to assets | 7.3661% | 7,189 |
| Core capital (leverage) ratio | 6.2846% | 7,432 |
| Tier 1 risk-based capital ratio | 7.9559% | 7,523 |
| Total risk-based capital ratio | 9.2357% | 7,530 |
| Memoranda: | ||
| Average total assets | $156,459,330 | 3,850 |
| Average earning assets | $143,598,000 | 3,827 |
| Average equity | $12,571,000 | 4,531 |
| Average total loans | $125,875,330 | 3,281 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1468% | 4,312 |
| Cost of funding earning assets | 1.0458% | 6,146 |
| Net interest margin | 4.1009% | 2,438 |
| Noninterest income to average assets | 0.1465% | 6,926 |
| Noninterest expense to average assets | 2.7633% | 4,637 |
| Loan and lease loss provision to assets | 3.0361% | 325 |
| Net operating income to assets | -1.1720% | 7,204 |
| Return on assets (ROA) | -1.1720% | 7,221 |
| Pretax return on assets | -1.8793% | 7,376 |
| Return on Equity (ROE) | -14.0245% | 7,293 |
| Retained earnings to average equity (ytd only) | -14.1454% | 7,179 |
| Net charge-offs to loans | 1.3493% | 1,275 |
| Credit loss provision to net charge-offs | 279.5349% | 1,421 |
| Earnings coverage of net charge-offs (x) | 1.0651% | 4,127 |
| Efficiency ratio | 70.4897% | 4,224 |
| Assets per employee ($millions) | 5.0291% | 2,197 |
| Cash dividends to net income (ytd only)* | -0.8621% | 7,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4615% | 1,344 |
| Loan loss allowance to noncurrent loans | 40.6073% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 6.6709% | 836 |
| Noncurrent loans to loans | 6.0617% | 1,080 |
| Net loans and leases to total assets | 78.5134% | 1,059 |
| Net loans and leases to deposits | 88.9273% | 2,070 |
| Net loans and leases to core deposits | 112.8834% | 1,109 |
| Total domestic deposits to total assets | 88.2894% | 1,909 |
| Equity capital to assets | 8.3463% | 6,232 |
| Core capital (leverage) ratio | 7.9902% | 6,257 |
| Tier 1 risk-based capital ratio | 10.6708% | 6,472 |
| Total risk-based capital ratio | 11.9449% | 6,437 |
| Memoranda: | ||
| Average total assets | $158,359,500 | 3,878 |
| Average earning assets | $145,723,000 | 3,840 |
| Average equity | $13,234,000 | 4,425 |
| Average total loans | $127,478,000 | 3,322 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5355% | 3,953 |
| Cost of funding earning assets | 1.6874% | 4,577 |
| Net interest margin | 3.8481% | 3,491 |
| Noninterest income to average assets | 0.1786% | 6,806 |
| Noninterest expense to average assets | 2.7488% | 5,170 |
| Loan and lease loss provision to assets | 0.8023% | 2,729 |
| Net operating income to assets | 0.1105% | 5,184 |
| Return on assets (ROA) | 0.1235% | 5,192 |
| Pretax return on assets | 0.2149% | 4,973 |
| Return on Equity (ROE) | 1.3723% | 5,124 |
| Retained earnings to average equity (ytd only) | 0.3489% | 4,713 |
| Net charge-offs to loans | 0.5497% | 3,585 |
| Credit loss provision to net charge-offs | 171.8984% | 2,472 |
| Earnings coverage of net charge-offs (x) | 2.1360% | 4,123 |
| Efficiency ratio | 73.3842% | 4,021 |
| Assets per employee ($millions) | 4.8732% | 2,373 |
| Cash dividends to net income (ytd only)* | 74.5763% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7897% | 2,586 |
| Loan loss allowance to noncurrent loans | 43.7087% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 3.8541% | 1,727 |
| Noncurrent loans to loans | 4.0946% | 1,797 |
| Net loans and leases to total assets | 79.0625% | 1,165 |
| Net loans and leases to deposits | 89.5218% | 2,294 |
| Net loans and leases to core deposits | 126.6962% | 1,462 |
| Total domestic deposits to total assets | 88.3165% | 1,815 |
| Equity capital to assets | 8.3673% | 6,104 |
| Core capital (leverage) ratio | 8.8396% | 4,703 |
| Tier 1 risk-based capital ratio | 10.8389% | 6,078 |
| Total risk-based capital ratio | 12.0633% | 6,072 |
| Memoranda: | ||
| Average total assets | $143,334,600 | 4,053 |
| Average earning assets | $132,869,600 | 4,033 |
| Average equity | $12,898,000 | 4,533 |
| Average total loans | $121,693,400 | 3,449 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6852% | 3,409 |
| Cost of funding earning assets | 1.8744% | 4,020 |
| Net interest margin | 3.8108% | 3,613 |
| Noninterest income to average assets | 0.1737% | 6,972 |
| Noninterest expense to average assets | 2.8467% | 4,689 |
| Loan and lease loss provision to assets | 0.6582% | 2,772 |
| Net operating income to assets | 0.1088% | 5,439 |
| Return on assets (ROA) | 0.1267% | 5,451 |
| Pretax return on assets | 0.2293% | 5,232 |
| Return on Equity (ROE) | 1.3795% | 5,376 |
| Retained earnings to average equity (ytd only) | 0.2404% | 5,100 |
| Net charge-offs to loans | 0.7449% | 2,501 |
| Credit loss provision to net charge-offs | 102.5411% | 4,961 |
| Earnings coverage of net charge-offs (x) | 1.3393% | 4,781 |
| Efficiency ratio | 76.8056% | 3,359 |
| Assets per employee ($millions) | 4.6717% | 2,601 |
| Cash dividends to net income (ytd only)* | 82.5739% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4710% | 3,592 |
| Loan loss allowance to noncurrent loans | 38.3962% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 3.9510% | 1,634 |
| Noncurrent loans to loans | 3.8310% | 1,939 |
| Net loans and leases to total assets | 85.7026% | 371 |
| Net loans and leases to deposits | 98.5744% | 1,257 |
| Net loans and leases to core deposits | 135.4349% | 1,130 |
| Total domestic deposits to total assets | 86.9421% | 2,206 |
| Equity capital to assets | 9.3078% | 5,026 |
| Core capital (leverage) ratio | 9.4028% | 4,043 |
| Tier 1 risk-based capital ratio | 11.2723% | 5,658 |
| Total risk-based capital ratio | 12.5257% | 5,605 |
| Memoranda: | ||
| Average total assets | $138,964,000 | 4,162 |
| Average earning assets | $128,822,250 | 4,132 |
| Average equity | $12,758,500 | 4,593 |
| Average total loans | $119,751,000 | 3,516 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7109% | 3,475 |
| Cost of funding earning assets | 2.0727% | 3,405 |
| Net interest margin | 3.6382% | 4,217 |
| Noninterest income to average assets | 0.1620% | 7,116 |
| Noninterest expense to average assets | 2.8421% | 4,769 |
| Loan and lease loss provision to assets | 0.4408% | 3,348 |
| Net operating income to assets | 0.1452% | 5,431 |
| Return on assets (ROA) | 0.1722% | 5,448 |
| Pretax return on assets | 0.2934% | 5,227 |
| Return on Equity (ROE) | 1.8853% | 5,343 |
| Retained earnings to average equity (ytd only) | 1.8853% | 4,295 |
| Net charge-offs to loans | 0.1105% | 5,054 |
| Credit loss provision to net charge-offs | 464.6154% | 998 |
| Earnings coverage of net charge-offs (x) | 7.2923% | 2,463 |
| Efficiency ratio | 80.4213% | 2,974 |
| Assets per employee ($millions) | 4.5029% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7703% | 2,128 |
| Loan loss allowance to noncurrent loans | 35.3141% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 4.8492% | 1,125 |
| Noncurrent loans to loans | 5.0130% | 1,229 |
| Net loans and leases to total assets | 82.4423% | 873 |
| Net loans and leases to deposits | 95.2413% | 1,913 |
| Net loans and leases to core deposits | 137.0464% | 1,156 |
| Total domestic deposits to total assets | 86.5615% | 2,478 |
| Equity capital to assets | 9.5937% | 4,496 |
| Core capital (leverage) ratio | 9.6529% | 3,699 |
| Tier 1 risk-based capital ratio | 11.7217% | 5,173 |
| Total risk-based capital ratio | 12.9658% | 5,112 |
| Memoranda: | ||
| Average total assets | $137,010,670 | 4,236 |
| Average earning assets | $126,986,000 | 4,203 |
| Average equity | $12,518,000 | 4,671 |
| Average total loans | $117,677,670 | 3,589 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7285% | 3,651 |
| Cost of funding earning assets | 2.2140% | 3,098 |
| Net interest margin | 3.5145% | 4,670 |
| Noninterest income to average assets | 0.1326% | 7,341 |
| Noninterest expense to average assets | 2.6643% | 5,166 |
| Loan and lease loss provision to assets | 0.3419% | 3,278 |
| Net operating income to assets | 0.2210% | 5,598 |
| Return on assets (ROA) | 0.2210% | 5,756 |
| Pretax return on assets | 0.3920% | 5,419 |
| Return on Equity (ROE) | 2.4832% | 5,580 |
| Retained earnings to average equity (ytd only) | 2.4832% | 4,489 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4042% | 3,104 |
| Assets per employee ($millions) | 4.5862% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 2,459 |
| Loan loss allowance to noncurrent loans | 50.0513% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 2.8361% | 2,003 |
| Noncurrent loans to loans | 3.2275% | 2,000 |
| Net loans and leases to total assets | 86.4535% | 391 |
| Net loans and leases to deposits | 100.2545% | 1,380 |
| Net loans and leases to core deposits | 135.8122% | 1,318 |
| Total domestic deposits to total assets | 86.2340% | 2,594 |
| Equity capital to assets | 9.9168% | 4,092 |
| Core capital (leverage) ratio | 9.8863% | 3,537 |
| Tier 1 risk-based capital ratio | 11.6369% | 5,262 |
| Total risk-based capital ratio | 12.8886% | 5,178 |
| Memoranda: | ||
| Average total assets | $135,720,500 | 4,295 |
| Average earning assets | $126,105,500 | 4,242 |
| Average equity | $12,081,000 | 4,811 |
| Average total loans | $117,938,500 | 3,603 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6811% | 2,098 |
| Cost of funding earning assets | 2.9666% | 1,997 |
| Net interest margin | 3.7145% | 4,405 |
| Noninterest income to average assets | 0.1656% | 7,240 |
| Noninterest expense to average assets | 2.8775% | 4,519 |
| Loan and lease loss provision to assets | 0.4209% | 3,174 |
| Net operating income to assets | 0.1744% | 5,931 |
| Return on assets (ROA) | 0.2047% | 5,652 |
| Pretax return on assets | 0.3377% | 5,423 |
| Return on Equity (ROE) | 2.6090% | 5,380 |
| Retained earnings to average equity (ytd only) | 2.6090% | 3,566 |
| Net charge-offs to loans | 0.0562% | 5,975 |
| Credit loss provision to net charge-offs | 889.6552% | 496 |
| Earnings coverage of net charge-offs (x) | 15.0345% | 1,972 |
| Efficiency ratio | 80.1818% | 2,570 |
| Assets per employee ($millions) | 4.4619% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 2,256 |
| Loan loss allowance to noncurrent loans | 63.3540% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 2.1650% | 2,259 |
| Noncurrent loans to loans | 2.5205% | 2,157 |
| Net loans and leases to total assets | 84.5244% | 804 |
| Net loans and leases to deposits | 96.5977% | 2,354 |
| Net loans and leases to core deposits | 127.4240% | 2,046 |
| Total domestic deposits to total assets | 87.5015% | 1,704 |
| Equity capital to assets | 7.8577% | 7,036 |
| Core capital (leverage) ratio | 7.8907% | 6,667 |
| Tier 1 risk-based capital ratio | 9.2101% | 7,603 |
| Total risk-based capital ratio | 10.4597% | 7,555 |
| Memoranda: | ||
| Average total assets | $122,606,600 | 4,457 |
| Average earning assets | $112,990,600 | 4,448 |
| Average equity | $9,620,600 | 5,530 |
| Average total loans | $103,266,600 | 3,868 |