Home > McCurtain County National Bank > Performance and Condition Ratios
McCurtain County National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8661% | 1,379 |
| Cost of funding earning assets | 2.1843% | 1,482 |
| Net interest margin | 3.6818% | 1,915 |
| Noninterest income to average assets | 0.4300% | 2,064 |
| Noninterest expense to average assets | 2.1606% | 3,218 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 1.2616% | 1,562 |
| Return on assets (ROA) | 1.2616% | 1,564 |
| Pretax return on assets | 1.6337% | 1,232 |
| Return on Equity (ROE) | 8.8500% | 2,640 |
| Retained earnings to average equity (ytd only) | 8.8528% | 1,462 |
| Net charge-offs to loans | 0.1503% | 649 |
| Credit loss provision to net charge-offs | 101.6949% | 1,247 |
| Earnings coverage of net charge-offs (x) | 27.1356% | 1,294 |
| Efficiency ratio | 56.0044% | 3,411 |
| Assets per employee ($millions) | 5.5169% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4132% | 230 |
| Loan loss allowance to noncurrent loans | 400.4255% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 2,302 |
| Noncurrent loans to loans | 0.6027% | 1,641 |
| Net loans and leases to total assets | 39.9900% | 3,976 |
| Net loans and leases to deposits | 46.7760% | 3,979 |
| Net loans and leases to core deposits | 51.2303% | 3,953 |
| Total domestic deposits to total assets | 85.4800% | 2,483 |
| Equity capital to assets | 14.3231% | 654 |
| Core capital (leverage) ratio | 14.2625% | 738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $377,310,000 | 2,144 |
| Average earning assets | $351,781,500 | 2,137 |
| Average equity | $53,768,500 | 1,679 |
| Average total loans | $157,020,500 | 2,699 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8844% | 1,458 |
| Cost of funding earning assets | 2.1866% | 1,774 |
| Net interest margin | 3.6978% | 1,690 |
| Noninterest income to average assets | 0.4600% | 2,109 |
| Noninterest expense to average assets | 2.0547% | 3,487 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.4240% | 1,030 |
| Return on assets (ROA) | 1.4240% | 1,019 |
| Pretax return on assets | 1.8334% | 782 |
| Return on Equity (ROE) | 10.1500% | 2,107 |
| Retained earnings to average equity (ytd only) | 10.1479% | 561 |
| Net charge-offs to loans | -0.0098% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 52.5258% | 3,848 |
| Assets per employee ($millions) | 5.4197% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3813% | 238 |
| Loan loss allowance to noncurrent loans | 492.6702% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 2,438 |
| Noncurrent loans to loans | 0.4833% | 1,877 |
| Net loans and leases to total assets | 41.2600% | 3,970 |
| Net loans and leases to deposits | 48.1378% | 3,974 |
| Net loans and leases to core deposits | 52.6360% | 3,957 |
| Total domestic deposits to total assets | 85.7200% | 2,309 |
| Equity capital to assets | 14.1765% | 656 |
| Core capital (leverage) ratio | 15.1913% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $358,786,000 | 2,198 |
| Average earning assets | $334,717,000 | 2,190 |
| Average equity | $50,345,600 | 1,709 |
| Average total loans | $163,903,200 | 2,625 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9364% | 1,351 |
| Cost of funding earning assets | 2.2226% | 1,686 |
| Net interest margin | 3.7138% | 1,613 |
| Noninterest income to average assets | 0.4700% | 2,018 |
| Noninterest expense to average assets | 1.9669% | 3,634 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 1.5324% | 900 |
| Return on assets (ROA) | 1.5324% | 896 |
| Pretax return on assets | 1.9500% | 698 |
| Return on Equity (ROE) | 10.9500% | 1,910 |
| Retained earnings to average equity (ytd only) | 10.9501% | 660 |
| Net charge-offs to loans | -0.0218% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 49.9047% | 3,997 |
| Assets per employee ($millions) | 5.0632% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3069% | 264 |
| Loan loss allowance to noncurrent loans | 599.6805% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 2,561 |
| Noncurrent loans to loans | 0.3847% | 2,120 |
| Net loans and leases to total assets | 45.5100% | 3,849 |
| Net loans and leases to deposits | 53.5969% | 3,837 |
| Net loans and leases to core deposits | 58.6252% | 3,829 |
| Total domestic deposits to total assets | 84.9000% | 2,330 |
| Equity capital to assets | 14.9823% | 578 |
| Core capital (leverage) ratio | 15.0421% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $354,993,500 | 2,206 |
| Average earning assets | $331,619,500 | 2,197 |
| Average equity | $49,678,500 | 1,713 |
| Average total loans | $165,362,500 | 2,605 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8827% | 1,334 |
| Cost of funding earning assets | 2.1971% | 1,655 |
| Net interest margin | 3.6856% | 1,626 |
| Noninterest income to average assets | 0.4700% | 1,991 |
| Noninterest expense to average assets | 1.9553% | 3,649 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 1.4891% | 934 |
| Return on assets (ROA) | 1.4891% | 933 |
| Pretax return on assets | 1.9357% | 705 |
| Return on Equity (ROE) | 10.8900% | 1,925 |
| Retained earnings to average equity (ytd only) | 10.8914% | 711 |
| Net charge-offs to loans | -0.0277% | 4,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 49.9642% | 4,009 |
| Assets per employee ($millions) | 5.2414% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2792% | 289 |
| Loan loss allowance to noncurrent loans | 671.1712% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 2,618 |
| Noncurrent loans to loans | 0.3396% | 2,172 |
| Net loans and leases to total assets | 44.8100% | 3,875 |
| Net loans and leases to deposits | 52.2160% | 3,885 |
| Net loans and leases to core deposits | 56.9141% | 3,871 |
| Total domestic deposits to total assets | 85.8200% | 2,035 |
| Equity capital to assets | 14.0804% | 665 |
| Core capital (leverage) ratio | 14.4402% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $356,871,333 | 2,184 |
| Average earning assets | $333,080,000 | 2,171 |
| Average equity | $48,790,667 | 1,722 |
| Average total loans | $166,239,667 | 2,598 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8247% | 1,285 |
| Cost of funding earning assets | 2.1645% | 1,623 |
| Net interest margin | 3.6602% | 1,613 |
| Noninterest income to average assets | 0.4700% | 1,919 |
| Noninterest expense to average assets | 1.9882% | 3,612 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 1.3968% | 1,065 |
| Return on assets (ROA) | 1.3968% | 1,068 |
| Pretax return on assets | 1.8516% | 769 |
| Return on Equity (ROE) | 10.3700% | 2,022 |
| Retained earnings to average equity (ytd only) | 10.3715% | 1,033 |
| Net charge-offs to loans | -0.0692% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 51.3302% | 3,953 |
| Assets per employee ($millions) | 5.1221% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2378% | 269 |
| Loan loss allowance to noncurrent loans | 625.3782% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 2,547 |
| Noncurrent loans to loans | 0.3578% | 2,052 |
| Net loans and leases to total assets | 45.3400% | 3,837 |
| Net loans and leases to deposits | 52.5550% | 3,830 |
| Net loans and leases to core deposits | 57.1256% | 3,869 |
| Total domestic deposits to total assets | 86.2700% | 2,009 |
| Equity capital to assets | 13.5771% | 740 |
| Core capital (leverage) ratio | 14.1573% | 752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $357,098,500 | 2,186 |
| Average earning assets | $331,897,500 | 2,184 |
| Average equity | $48,093,500 | 1,725 |
| Average total loans | $167,642,500 | 2,582 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3314% | 1,430 |
| Cost of funding earning assets | 1.4477% | 2,080 |
| Net interest margin | 3.8837% | 1,407 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.0590% | 3,499 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.5399% | 951 |
| Return on assets (ROA) | 1.5399% | 919 |
| Pretax return on assets | 2.0081% | 662 |
| Return on Equity (ROE) | 12.1400% | 1,919 |
| Retained earnings to average equity (ytd only) | 12.1412% | 619 |
| Net charge-offs to loans | 0.0424% | 1,475 |
| Credit loss provision to net charge-offs | 309.8592% | 932 |
| Earnings coverage of net charge-offs (x) | 102.5915% | 891 |
| Efficiency ratio | 49.8589% | 3,992 |
| Assets per employee ($millions) | 5.6453% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1668% | 296 |
| Loan loss allowance to noncurrent loans | 576.6929% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 2,344 |
| Noncurrent loans to loans | 0.3757% | 1,864 |
| Net loans and leases to total assets | 46.4900% | 3,796 |
| Net loans and leases to deposits | 53.7133% | 3,810 |
| Net loans and leases to core deposits | 58.0514% | 3,835 |
| Total domestic deposits to total assets | 86.5500% | 1,836 |
| Equity capital to assets | 13.3577% | 791 |
| Core capital (leverage) ratio | 14.1602% | 771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $351,768,400 | 2,190 |
| Average earning assets | $330,384,400 | 2,175 |
| Average equity | $44,616,600 | 1,746 |
| Average total loans | $167,448,200 | 2,541 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8,269.0000% | 31 |
| Cost of funding earning assets | 195.0000% | 19 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 1.7674% | 691 |
| Pretax return on assets | 2.2599% | 514 |
| Return on Equity (ROE) | 14.1200% | 1,626 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0072% | 2,168 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 0.1031% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 21,470.0000% | 5 |
| Equity capital to assets | 129,526.0000% | 6 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $17,933,000 | 4,553 |
| Average earning assets | $2,405 | 4,612 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0033% | 1,561 |
| Cost of funding earning assets | 1.0198% | 2,532 |
| Net interest margin | 3.9835% | 1,277 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 1.9238% | 3,769 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.5681% | 992 |
| Return on assets (ROA) | 1.5681% | 988 |
| Pretax return on assets | 2.2046% | 530 |
| Return on Equity (ROE) | 12.8900% | 1,925 |
| Retained earnings to average equity (ytd only) | 12.8853% | 823 |
| Net charge-offs to loans | 0.0984% | 689 |
| Credit loss provision to net charge-offs | 219.5122% | 1,008 |
| Earnings coverage of net charge-offs (x) | 49.9634% | 1,286 |
| Efficiency ratio | 45.4824% | 4,187 |
| Assets per employee ($millions) | 5.2154% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1631% | 327 |
| Loan loss allowance to noncurrent loans | 447.4597% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 1,802 |
| Noncurrent loans to loans | 0.4834% | 1,505 |
| Net loans and leases to total assets | 46.7400% | 3,755 |
| Net loans and leases to deposits | 53.5811% | 3,771 |
| Net loans and leases to core deposits | 57.1669% | 3,760 |
| Total domestic deposits to total assets | 87.2300% | 1,854 |
| Equity capital to assets | 12.6701% | 894 |
| Core capital (leverage) ratio | 13.0863% | 1,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $355,345,333 | 2,181 |
| Average earning assets | $336,335,667 | 2,157 |
| Average equity | $43,243,000 | 1,776 |
| Average total loans | $166,688,667 | 2,548 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 1,692 |
| Cost of funding earning assets | 0.9082% | 2,346 |
| Net interest margin | 3.8614% | 1,557 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.0106% | 3,607 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.7192% | 793 |
| Return on assets (ROA) | 1.7192% | 785 |
| Pretax return on assets | 1.9938% | 789 |
| Return on Equity (ROE) | 14.4200% | 1,689 |
| Retained earnings to average equity (ytd only) | 14.4168% | 883 |
| Net charge-offs to loans | 0.1657% | 427 |
| Credit loss provision to net charge-offs | 144.9275% | 965 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,343 |
| Efficiency ratio | 48.8473% | 4,039 |
| Assets per employee ($millions) | 5.5978% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1195% | 370 |
| Loan loss allowance to noncurrent loans | 381.4855% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 1,629 |
| Noncurrent loans to loans | 0.5556% | 1,334 |
| Net loans and leases to total assets | 45.6800% | 3,789 |
| Net loans and leases to deposits | 52.0871% | 3,790 |
| Net loans and leases to core deposits | 55.3820% | 3,776 |
| Total domestic deposits to total assets | 87.7100% | 2,023 |
| Equity capital to assets | 12.1873% | 944 |
| Core capital (leverage) ratio | 12.5302% | 1,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $358,303,000 | 2,199 |
| Average earning assets | $339,569,000 | 2,174 |
| Average equity | $42,728,000 | 1,814 |
| Average total loans | $166,563,500 | 2,575 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2966% | 3,588 |
| Cost of funding earning assets | 0.3667% | 2,354 |
| Net interest margin | 2.9299% | 3,611 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 1.7599% | 4,079 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0225% | 2,488 |
| Return on assets (ROA) | 1.0225% | 2,430 |
| Pretax return on assets | 1.3721% | 1,856 |
| Return on Equity (ROE) | 9.1300% | 3,090 |
| Retained earnings to average equity (ytd only) | 9.1317% | 1,444 |
| Net charge-offs to loans | 0.0575% | 1,075 |
| Credit loss provision to net charge-offs | 261.2903% | 980 |
| Earnings coverage of net charge-offs (x) | 55.9140% | 1,302 |
| Efficiency ratio | 55.0095% | 3,680 |
| Assets per employee ($millions) | 5.5131% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1173% | 353 |
| Loan loss allowance to noncurrent loans | 311.1603% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 1,412 |
| Noncurrent loans to loans | 0.6805% | 1,100 |
| Net loans and leases to total assets | 45.3200% | 3,832 |
| Net loans and leases to deposits | 51.3724% | 3,838 |
| Net loans and leases to core deposits | 54.7541% | 3,778 |
| Total domestic deposits to total assets | 88.2200% | 2,007 |
| Equity capital to assets | 11.6629% | 1,029 |
| Core capital (leverage) ratio | 12.0477% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $361,262,800 | 2,177 |
| Average earning assets | $343,871,400 | 2,136 |
| Average equity | $40,452,600 | 1,904 |
| Average total loans | $161,860,600 | 2,526 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9571% | 3,968 |
| Cost of funding earning assets | 0.2585% | 2,624 |
| Net interest margin | 2.6986% | 3,930 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 1.6125% | 4,294 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.0464% | 2,294 |
| Return on assets (ROA) | 1.0464% | 2,264 |
| Pretax return on assets | 1.2888% | 2,087 |
| Return on Equity (ROE) | 9.4400% | 2,894 |
| Retained earnings to average equity (ytd only) | 9.4421% | 1,503 |
| Net charge-offs to loans | 0.0754% | 773 |
| Credit loss provision to net charge-offs | 223.0769% | 932 |
| Earnings coverage of net charge-offs (x) | 40.6813% | 1,380 |
| Efficiency ratio | 54.1832% | 3,807 |
| Assets per employee ($millions) | 5.5633% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1125% | 402 |
| Loan loss allowance to noncurrent loans | 261.8689% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 1,312 |
| Noncurrent loans to loans | 0.8067% | 993 |
| Net loans and leases to total assets | 44.5300% | 3,846 |
| Net loans and leases to deposits | 50.2178% | 3,841 |
| Net loans and leases to core deposits | 53.4751% | 3,776 |
| Total domestic deposits to total assets | 88.6700% | 2,227 |
| Equity capital to assets | 11.2938% | 1,070 |
| Core capital (leverage) ratio | 11.5453% | 1,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $361,991,250 | 2,183 |
| Average earning assets | $345,060,250 | 2,144 |
| Average equity | $40,117,250 | 1,944 |
| Average total loans | $160,846,250 | 2,540 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6218% | 4,251 |
| Cost of funding earning assets | 0.1762% | 3,227 |
| Net interest margin | 2.4456% | 4,166 |
| Noninterest income to average assets | 0.3966% | 2,782 |
| Noninterest expense to average assets | 1.6304% | 4,261 |
| Loan and lease loss provision to assets | 0.0276% | 2,098 |
| Net operating income to assets | 0.8478% | 2,787 |
| Return on assets (ROA) | 0.8478% | 2,765 |
| Pretax return on assets | 1.0687% | 2,521 |
| Return on Equity (ROE) | 7.6988% | 3,102 |
| Retained earnings to average equity (ytd only) | 7.6988% | 1,728 |
| Net charge-offs to loans | 0.0664% | 755 |
| Credit loss provision to net charge-offs | 94.3396% | 1,327 |
| Earnings coverage of net charge-offs (x) | 37.4528% | 1,290 |
| Efficiency ratio | 59.7934% | 3,328 |
| Assets per employee ($millions) | 6.0759% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0962% | 452 |
| Loan loss allowance to noncurrent loans | 176.7491% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.5591% | 1,018 |
| Noncurrent loans to loans | 1.1860% | 677 |
| Net loans and leases to total assets | 42.3414% | 3,949 |
| Net loans and leases to deposits | 47.4968% | 3,949 |
| Net loans and leases to core deposits | 50.4209% | 3,917 |
| Total domestic deposits to total assets | 89.1457% | 2,115 |
| Equity capital to assets | 10.8427% | 1,287 |
| Core capital (leverage) ratio | 11.3031% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $362,117,333 | 2,189 |
| Average earning assets | $345,025,333 | 2,162 |
| Average equity | $39,876,333 | 1,997 |
| Average total loans | $159,629,333 | 2,552 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5220% | 4,240 |
| Cost of funding earning assets | 0.1554% | 3,427 |
| Net interest margin | 2.3666% | 4,131 |
| Noninterest income to average assets | 0.3812% | 2,808 |
| Noninterest expense to average assets | 1.5839% | 4,321 |
| Loan and lease loss provision to assets | 0.0335% | 1,761 |
| Net operating income to assets | 0.7534% | 2,843 |
| Return on assets (ROA) | 0.7534% | 2,836 |
| Pretax return on assets | 1.0283% | 2,355 |
| Return on Equity (ROE) | 6.7873% | 3,103 |
| Retained earnings to average equity (ytd only) | 6.7873% | 1,965 |
| Net charge-offs to loans | 0.0879% | 569 |
| Credit loss provision to net charge-offs | 85.7143% | 1,095 |
| Earnings coverage of net charge-offs (x) | 27.1429% | 1,177 |
| Efficiency ratio | 59.8648% | 3,494 |
| Assets per employee ($millions) | 5.7917% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1211% | 504 |
| Loan loss allowance to noncurrent loans | 177.4841% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5654% | 1,058 |
| Noncurrent loans to loans | 1.1951% | 745 |
| Net loans and leases to total assets | 42.4670% | 3,850 |
| Net loans and leases to deposits | 47.7069% | 3,886 |
| Net loans and leases to core deposits | 50.5776% | 3,840 |
| Total domestic deposits to total assets | 89.0164% | 2,076 |
| Equity capital to assets | 10.9028% | 1,382 |
| Core capital (leverage) ratio | 11.3771% | 1,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,862,000 | 2,217 |
| Average earning assets | $342,429,500 | 2,176 |
| Average equity | $39,721,500 | 2,066 |
| Average total loans | $159,299,500 | 2,556 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9163% | 4,026 |
| Cost of funding earning assets | 0.2178% | 3,287 |
| Net interest margin | 2.6985% | 3,874 |
| Noninterest income to average assets | 0.4119% | 2,989 |
| Noninterest expense to average assets | 1.9060% | 3,909 |
| Loan and lease loss provision to assets | 0.0511% | 2,037 |
| Net operating income to assets | 0.7976% | 3,339 |
| Return on assets (ROA) | 0.7976% | 3,410 |
| Pretax return on assets | 1.0344% | 3,171 |
| Return on Equity (ROE) | 6.8849% | 3,547 |
| Retained earnings to average equity (ytd only) | 6.8849% | 1,968 |
| Net charge-offs to loans | -0.0190% | 3,955 |
| Credit loss provision to net charge-offs | -586.2069% | 3,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7132% | 2,608 |
| Assets per employee ($millions) | 5.4820% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0981% | 525 |
| Loan loss allowance to noncurrent loans | 184.2740% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 1,162 |
| Noncurrent loans to loans | 1.1386% | 850 |
| Net loans and leases to total assets | 44.7277% | 3,783 |
| Net loans and leases to deposits | 50.4449% | 3,854 |
| Net loans and leases to core deposits | 53.6666% | 3,780 |
| Total domestic deposits to total assets | 88.6665% | 1,692 |
| Equity capital to assets | 11.3044% | 1,603 |
| Core capital (leverage) ratio | 11.5741% | 1,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $332,368,200 | 2,284 |
| Average earning assets | $317,733,400 | 2,246 |
| Average equity | $38,504,800 | 2,135 |
| Average total loans | $152,492,400 | 2,611 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0249% | 3,955 |
| Cost of funding earning assets | 0.2344% | 3,267 |
| Net interest margin | 2.7905% | 3,804 |
| Noninterest income to average assets | 0.4117% | 3,026 |
| Noninterest expense to average assets | 1.8111% | 4,141 |
| Loan and lease loss provision to assets | 0.0204% | 2,585 |
| Net operating income to assets | 0.9527% | 3,070 |
| Return on assets (ROA) | 0.9527% | 3,153 |
| Pretax return on assets | 1.2440% | 2,790 |
| Return on Equity (ROE) | 8.1709% | 3,354 |
| Retained earnings to average equity (ytd only) | 8.1709% | 2,004 |
| Net charge-offs to loans | -0.0992% | 4,611 |
| Credit loss provision to net charge-offs | -44.6429% | 3,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8889% | 3,140 |
| Assets per employee ($millions) | 5.3167% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1242% | 519 |
| Loan loss allowance to noncurrent loans | 172.8690% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 1,235 |
| Noncurrent loans to loans | 1.2288% | 900 |
| Net loans and leases to total assets | 45.0380% | 3,866 |
| Net loans and leases to deposits | 50.9571% | 3,957 |
| Net loans and leases to core deposits | 54.2926% | 3,898 |
| Total domestic deposits to total assets | 88.3842% | 1,624 |
| Equity capital to assets | 11.6026% | 1,603 |
| Core capital (leverage) ratio | 11.5898% | 1,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,749,000 | 2,331 |
| Average earning assets | $312,861,500 | 2,286 |
| Average equity | $38,215,750 | 2,176 |
| Average total loans | $150,543,500 | 2,668 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1772% | 3,713 |
| Cost of funding earning assets | 0.2492% | 3,288 |
| Net interest margin | 2.9280% | 3,509 |
| Noninterest income to average assets | 0.4116% | 3,050 |
| Noninterest expense to average assets | 1.7665% | 4,252 |
| Loan and lease loss provision to assets | 0.0124% | 2,701 |
| Net operating income to assets | 0.7881% | 3,539 |
| Return on assets (ROA) | 0.7881% | 3,608 |
| Pretax return on assets | 1.4290% | 2,245 |
| Return on Equity (ROE) | 6.7470% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.7470% | 2,523 |
| Net charge-offs to loans | -0.1508% | 4,731 |
| Credit loss provision to net charge-offs | -17.8571% | 2,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0674% | 3,667 |
| Assets per employee ($millions) | 5.2772% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1948% | 430 |
| Loan loss allowance to noncurrent loans | 152.7340% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.6896% | 1,194 |
| Noncurrent loans to loans | 1.4370% | 805 |
| Net loans and leases to total assets | 43.4879% | 4,077 |
| Net loans and leases to deposits | 49.1357% | 4,158 |
| Net loans and leases to core deposits | 52.3117% | 4,116 |
| Total domestic deposits to total assets | 88.5057% | 1,558 |
| Equity capital to assets | 11.3809% | 1,712 |
| Core capital (leverage) ratio | 11.6140% | 1,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,576,000 | 2,343 |
| Average earning assets | $309,014,333 | 2,293 |
| Average equity | $37,794,333 | 2,186 |
| Average total loans | $148,532,667 | 2,701 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3090% | 3,425 |
| Cost of funding earning assets | 0.2627% | 3,352 |
| Net interest margin | 3.0463% | 3,141 |
| Noninterest income to average assets | 0.4259% | 2,951 |
| Noninterest expense to average assets | 1.7113% | 4,359 |
| Loan and lease loss provision to assets | 0.0253% | 2,453 |
| Net operating income to assets | 0.6888% | 3,734 |
| Return on assets (ROA) | 0.6888% | 3,802 |
| Pretax return on assets | 1.5912% | 1,751 |
| Return on Equity (ROE) | 5.8176% | 3,911 |
| Retained earnings to average equity (ytd only) | 5.8176% | 2,955 |
| Net charge-offs to loans | -0.0839% | 4,579 |
| Credit loss provision to net charge-offs | -64.5161% | 2,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4242% | 4,051 |
| Assets per employee ($millions) | 5.0281% | 3,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1820% | 433 |
| Loan loss allowance to noncurrent loans | 175.7791% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.6507% | 1,456 |
| Noncurrent loans to loans | 1.2414% | 1,056 |
| Net loans and leases to total assets | 44.7871% | 4,060 |
| Net loans and leases to deposits | 50.8257% | 4,116 |
| Net loans and leases to core deposits | 54.4018% | 4,078 |
| Total domestic deposits to total assets | 88.1189% | 1,780 |
| Equity capital to assets | 11.7235% | 1,428 |
| Core capital (leverage) ratio | 11.9064% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,493,000 | 2,363 |
| Average earning assets | $301,477,000 | 2,318 |
| Average equity | $37,472,500 | 2,181 |
| Average total loans | $147,712,500 | 2,718 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5787% | 3,857 |
| Cost of funding earning assets | 0.4484% | 3,291 |
| Net interest margin | 3.1303% | 3,552 |
| Noninterest income to average assets | 0.4409% | 2,908 |
| Noninterest expense to average assets | 1.9506% | 4,230 |
| Loan and lease loss provision to assets | 0.0977% | 3,115 |
| Net operating income to assets | 1.0487% | 2,108 |
| Return on assets (ROA) | 1.0487% | 2,249 |
| Pretax return on assets | 1.3598% | 1,785 |
| Return on Equity (ROE) | 8.4985% | 2,607 |
| Retained earnings to average equity (ytd only) | 8.4985% | 906 |
| Net charge-offs to loans | 0.1088% | 1,383 |
| Credit loss provision to net charge-offs | 179.1139% | 2,271 |
| Earnings coverage of net charge-offs (x) | 26.7152% | 1,705 |
| Efficiency ratio | 57.2340% | 3,827 |
| Assets per employee ($millions) | 4.9395% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1366% | 459 |
| Loan loss allowance to noncurrent loans | 162.7572% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 1,518 |
| Noncurrent loans to loans | 1.3128% | 1,040 |
| Net loans and leases to total assets | 46.5706% | 4,089 |
| Net loans and leases to deposits | 52.9106% | 4,168 |
| Net loans and leases to core deposits | 56.9425% | 4,103 |
| Total domestic deposits to total assets | 88.0175% | 1,461 |
| Equity capital to assets | 11.9603% | 1,592 |
| Core capital (leverage) ratio | 12.0899% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,603,200 | 2,344 |
| Average earning assets | $274,513,200 | 2,324 |
| Average equity | $35,735,800 | 2,191 |
| Average total loans | $145,207,600 | 2,706 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7229% | 3,750 |
| Cost of funding earning assets | 0.4962% | 3,248 |
| Net interest margin | 3.2268% | 3,403 |
| Noninterest income to average assets | 0.4443% | 2,871 |
| Noninterest expense to average assets | 1.8418% | 4,421 |
| Loan and lease loss provision to assets | 0.0693% | 3,460 |
| Net operating income to assets | 1.1353% | 1,864 |
| Return on assets (ROA) | 1.1353% | 1,988 |
| Pretax return on assets | 1.5899% | 1,212 |
| Return on Equity (ROE) | 9.1237% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.1237% | 951 |
| Net charge-offs to loans | 0.0388% | 2,075 |
| Credit loss provision to net charge-offs | 352.3810% | 1,601 |
| Earnings coverage of net charge-offs (x) | 84.2143% | 893 |
| Efficiency ratio | 52.6062% | 4,287 |
| Assets per employee ($millions) | 4.8612% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1167% | 406 |
| Loan loss allowance to noncurrent loans | 152.6699% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 1,552 |
| Noncurrent loans to loans | 1.3864% | 1,048 |
| Net loans and leases to total assets | 48.2543% | 4,202 |
| Net loans and leases to deposits | 54.9848% | 4,297 |
| Net loans and leases to core deposits | 59.3228% | 4,242 |
| Total domestic deposits to total assets | 87.7593% | 1,314 |
| Equity capital to assets | 12.1435% | 1,606 |
| Core capital (leverage) ratio | 12.1164% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,207,000 | 2,354 |
| Average earning assets | $269,242,250 | 2,332 |
| Average equity | $35,365,000 | 2,201 |
| Average total loans | $144,488,000 | 2,711 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9379% | 3,501 |
| Cost of funding earning assets | 0.5491% | 3,242 |
| Net interest margin | 3.3888% | 3,138 |
| Noninterest income to average assets | 0.4510% | 2,802 |
| Noninterest expense to average assets | 1.8458% | 4,490 |
| Loan and lease loss provision to assets | 0.0359% | 3,819 |
| Net operating income to assets | 1.2540% | 1,482 |
| Return on assets (ROA) | 1.2540% | 1,602 |
| Pretax return on assets | 1.7782% | 846 |
| Return on Equity (ROE) | 9.9905% | 1,986 |
| Retained earnings to average equity (ytd only) | 9.9905% | 791 |
| Net charge-offs to loans | 0.0224% | 2,272 |
| Credit loss provision to net charge-offs | 312.5000% | 1,586 |
| Earnings coverage of net charge-offs (x) | 157.8750% | 520 |
| Efficiency ratio | 50.4317% | 4,478 |
| Assets per employee ($millions) | 4.7314% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1015% | 376 |
| Loan loss allowance to noncurrent loans | 135.1958% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.7709% | 1,607 |
| Noncurrent loans to loans | 1.5544% | 964 |
| Net loans and leases to total assets | 48.0263% | 4,249 |
| Net loans and leases to deposits | 54.6646% | 4,354 |
| Net loans and leases to core deposits | 58.9302% | 4,309 |
| Total domestic deposits to total assets | 87.8565% | 1,255 |
| Equity capital to assets | 12.0640% | 1,624 |
| Core capital (leverage) ratio | 12.4573% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,477,000 | 2,364 |
| Average earning assets | $263,691,000 | 2,343 |
| Average equity | $34,953,333 | 2,205 |
| Average total loans | $143,123,333 | 2,718 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1292% | 3,438 |
| Cost of funding earning assets | 0.6524% | 3,159 |
| Net interest margin | 3.4768% | 3,059 |
| Noninterest income to average assets | 0.5226% | 2,428 |
| Noninterest expense to average assets | 2.2064% | 3,992 |
| Loan and lease loss provision to assets | 0.0298% | 3,407 |
| Net operating income to assets | 1.1672% | 1,628 |
| Return on assets (ROA) | 1.1672% | 1,741 |
| Pretax return on assets | 1.5632% | 1,146 |
| Return on Equity (ROE) | 9.1030% | 2,071 |
| Retained earnings to average equity (ytd only) | 9.1030% | 949 |
| Net charge-offs to loans | 0.0113% | 2,179 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 267.5000% | 266 |
| Efficiency ratio | 58.0721% | 3,989 |
| Assets per employee ($millions) | 4.3293% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1555% | 403 |
| Loan loss allowance to noncurrent loans | 162.9333% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6966% | 1,923 |
| Noncurrent loans to loans | 1.3229% | 1,227 |
| Net loans and leases to total assets | 50.8436% | 4,192 |
| Net loans and leases to deposits | 58.3416% | 4,275 |
| Net loans and leases to core deposits | 63.1555% | 4,220 |
| Total domestic deposits to total assets | 87.1482% | 1,489 |
| Equity capital to assets | 12.7656% | 1,573 |
| Core capital (leverage) ratio | 12.9826% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,677,500 | 2,375 |
| Average earning assets | $253,221,000 | 2,353 |
| Average equity | $34,450,000 | 2,224 |
| Average total loans | $141,571,000 | 2,714 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 2,927 |
| Cost of funding earning assets | 0.7157% | 3,088 |
| Net interest margin | 3.7891% | 2,538 |
| Noninterest income to average assets | 0.5541% | 2,448 |
| Noninterest expense to average assets | 2.1408% | 4,287 |
| Loan and lease loss provision to assets | 0.0601% | 2,839 |
| Net operating income to assets | 1.4564% | 1,169 |
| Return on assets (ROA) | 1.4564% | 1,228 |
| Pretax return on assets | 1.9357% | 685 |
| Return on Equity (ROE) | 11.3148% | 1,762 |
| Retained earnings to average equity (ytd only) | 7.6998% | 1,078 |
| Net charge-offs to loans | 0.0495% | 2,404 |
| Credit loss provision to net charge-offs | 227.9412% | 1,173 |
| Earnings coverage of net charge-offs (x) | 75.6912% | 833 |
| Efficiency ratio | 51.7529% | 4,621 |
| Assets per employee ($millions) | 4.2679% | 3,555 |
| Cash dividends to net income (ytd only)* | 31.9489% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1490% | 360 |
| Loan loss allowance to noncurrent loans | 150.4455% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.7728% | 1,672 |
| Noncurrent loans to loans | 1.4285% | 1,026 |
| Net loans and leases to total assets | 52.2938% | 4,203 |
| Net loans and leases to deposits | 60.0637% | 4,287 |
| Net loans and leases to core deposits | 65.2174% | 4,219 |
| Total domestic deposits to total assets | 87.0638% | 1,573 |
| Equity capital to assets | 12.8802% | 1,595 |
| Core capital (leverage) ratio | 13.0058% | 1,232 |
| Tier 1 risk-based capital ratio | 25.7131% | 698 |
| Total risk-based capital ratio | 26.9758% | 680 |
| Memoranda: | ||
| Average total assets | $257,897,600 | 2,409 |
| Average earning assets | $243,829,800 | 2,378 |
| Average equity | $33,195,600 | 2,227 |
| Average total loans | $137,246,600 | 2,756 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5218% | 2,988 |
| Cost of funding earning assets | 0.7179% | 3,120 |
| Net interest margin | 3.8038% | 2,586 |
| Noninterest income to average assets | 0.5604% | 2,410 |
| Noninterest expense to average assets | 1.9014% | 4,698 |
| Loan and lease loss provision to assets | 0.0729% | 2,427 |
| Net operating income to assets | 1.6777% | 776 |
| Return on assets (ROA) | 1.6777% | 818 |
| Pretax return on assets | 2.1814% | 468 |
| Return on Equity (ROE) | 13.0362% | 1,267 |
| Retained earnings to average equity (ytd only) | 13.0362% | 276 |
| Net charge-offs to loans | 0.0852% | 1,627 |
| Credit loss provision to net charge-offs | 160.9195% | 1,548 |
| Earnings coverage of net charge-offs (x) | 49.7919% | 1,198 |
| Efficiency ratio | 45.7551% | 4,944 |
| Assets per employee ($millions) | 4.5011% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1486% | 361 |
| Loan loss allowance to noncurrent loans | 166.1139% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.7148% | 1,915 |
| Noncurrent loans to loans | 1.2935% | 1,195 |
| Net loans and leases to total assets | 53.3411% | 4,228 |
| Net loans and leases to deposits | 61.7349% | 4,305 |
| Net loans and leases to core deposits | 66.4220% | 4,250 |
| Total domestic deposits to total assets | 86.4036% | 1,817 |
| Equity capital to assets | 13.5403% | 1,341 |
| Core capital (leverage) ratio | 13.6317% | 1,098 |
| Tier 1 risk-based capital ratio | 26.7475% | 664 |
| Total risk-based capital ratio | 28.0102% | 650 |
| Memoranda: | ||
| Average total assets | $256,220,250 | 2,439 |
| Average earning assets | $242,171,250 | 2,405 |
| Average equity | $32,974,000 | 2,258 |
| Average total loans | $136,205,250 | 2,789 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4732% | 3,094 |
| Cost of funding earning assets | 0.7027% | 3,162 |
| Net interest margin | 3.7704% | 2,695 |
| Noninterest income to average assets | 0.5591% | 2,347 |
| Noninterest expense to average assets | 1.8672% | 4,797 |
| Loan and lease loss provision to assets | 0.0586% | 2,654 |
| Net operating income to assets | 1.6946% | 731 |
| Return on assets (ROA) | 1.6946% | 759 |
| Pretax return on assets | 2.1991% | 447 |
| Return on Equity (ROE) | 13.4010% | 1,123 |
| Retained earnings to average equity (ytd only) | 13.4010% | 266 |
| Net charge-offs to loans | 0.0607% | 1,773 |
| Credit loss provision to net charge-offs | 182.9268% | 1,300 |
| Earnings coverage of net charge-offs (x) | 70.5122% | 890 |
| Efficiency ratio | 45.2669% | 5,015 |
| Assets per employee ($millions) | 4.1867% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1594% | 351 |
| Loan loss allowance to noncurrent loans | 185.3507% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6837% | 2,005 |
| Noncurrent loans to loans | 1.1650% | 1,387 |
| Net loans and leases to total assets | 52.9766% | 4,289 |
| Net loans and leases to deposits | 61.1088% | 4,371 |
| Net loans and leases to core deposits | 65.0412% | 4,362 |
| Total domestic deposits to total assets | 86.6924% | 1,731 |
| Equity capital to assets | 13.1921% | 1,493 |
| Core capital (leverage) ratio | 13.1873% | 1,218 |
| Tier 1 risk-based capital ratio | 26.6238% | 648 |
| Total risk-based capital ratio | 27.8875% | 641 |
| Memoranda: | ||
| Average total assets | $256,107,000 | 2,447 |
| Average earning assets | $242,200,670 | 2,412 |
| Average equity | $32,385,670 | 2,280 |
| Average total loans | $134,988,000 | 2,815 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3653% | 3,355 |
| Cost of funding earning assets | 0.6918% | 3,098 |
| Net interest margin | 3.6735% | 2,994 |
| Noninterest income to average assets | 0.5552% | 2,258 |
| Noninterest expense to average assets | 1.8809% | 4,825 |
| Loan and lease loss provision to assets | 0.1170% | 1,504 |
| Net operating income to assets | 1.5519% | 1,005 |
| Return on assets (ROA) | 1.5519% | 1,032 |
| Pretax return on assets | 2.0276% | 611 |
| Return on Equity (ROE) | 12.5421% | 1,373 |
| Retained earnings to average equity (ytd only) | 12.5421% | 535 |
| Net charge-offs to loans | 0.2010% | 697 |
| Credit loss provision to net charge-offs | 111.9403% | 1,481 |
| Earnings coverage of net charge-offs (x) | 20.5224% | 1,554 |
| Efficiency ratio | 46.7261% | 4,993 |
| Assets per employee ($millions) | 4.2327% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2031% | 355 |
| Loan loss allowance to noncurrent loans | 183.7368% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 2,073 |
| Noncurrent loans to loans | 1.1990% | 1,379 |
| Net loans and leases to total assets | 50.8908% | 4,416 |
| Net loans and leases to deposits | 58.2862% | 4,489 |
| Net loans and leases to core deposits | 61.9019% | 4,487 |
| Total domestic deposits to total assets | 87.3120% | 1,660 |
| Equity capital to assets | 12.5176% | 1,730 |
| Core capital (leverage) ratio | 12.6229% | 1,445 |
| Tier 1 risk-based capital ratio | 26.1258% | 678 |
| Total risk-based capital ratio | 27.3892% | 666 |
| Memoranda: | ||
| Average total assets | $256,466,500 | 2,474 |
| Average earning assets | $242,275,500 | 2,433 |
| Average equity | $31,733,000 | 2,316 |
| Average total loans | $133,341,000 | 2,867 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 3,537 |
| Cost of funding earning assets | 0.5689% | 2,931 |
| Net interest margin | 3.5986% | 3,386 |
| Noninterest income to average assets | 0.5546% | 2,521 |
| Noninterest expense to average assets | 2.1023% | 4,558 |
| Loan and lease loss provision to assets | 0.1449% | 1,481 |
| Net operating income to assets | 1.2825% | 1,869 |
| Return on assets (ROA) | 1.2524% | 1,962 |
| Pretax return on assets | 1.6605% | 1,275 |
| Return on Equity (ROE) | 10.5973% | 2,249 |
| Retained earnings to average equity (ytd only) | 10.5973% | 508 |
| Net charge-offs to loans | 0.1353% | 1,402 |
| Credit loss provision to net charge-offs | 207.4713% | 1,392 |
| Earnings coverage of net charge-offs (x) | 26.4023% | 1,726 |
| Efficiency ratio | 53.2798% | 4,683 |
| Assets per employee ($millions) | 4.2456% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2309% | 314 |
| Loan loss allowance to noncurrent loans | 174.5713% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 1,904 |
| Noncurrent loans to loans | 1.2779% | 1,241 |
| Net loans and leases to total assets | 50.7865% | 4,468 |
| Net loans and leases to deposits | 57.8941% | 4,580 |
| Net loans and leases to core deposits | 61.4066% | 4,566 |
| Total domestic deposits to total assets | 87.7230% | 1,438 |
| Equity capital to assets | 12.2267% | 1,744 |
| Core capital (leverage) ratio | 12.3656% | 1,528 |
| Tier 1 risk-based capital ratio | 25.5812% | 701 |
| Total risk-based capital ratio | 26.8453% | 684 |
| Memoranda: | ||
| Average total assets | $249,206,800 | 2,475 |
| Average earning assets | $234,838,200 | 2,452 |
| Average equity | $29,451,000 | 2,368 |
| Average total loans | $128,613,200 | 2,892 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 3,709 |
| Cost of funding earning assets | 0.5320% | 2,979 |
| Net interest margin | 3.5456% | 3,535 |
| Noninterest income to average assets | 0.5563% | 2,539 |
| Noninterest expense to average assets | 1.9304% | 4,856 |
| Loan and lease loss provision to assets | 0.1592% | 1,215 |
| Net operating income to assets | 1.3047% | 1,840 |
| Return on assets (ROA) | 1.2643% | 1,990 |
| Pretax return on assets | 1.7577% | 1,116 |
| Return on Equity (ROE) | 10.7942% | 2,264 |
| Retained earnings to average equity (ytd only) | 10.7942% | 700 |
| Net charge-offs to loans | 0.0553% | 2,027 |
| Credit loss provision to net charge-offs | 558.4906% | 636 |
| Earnings coverage of net charge-offs (x) | 69.0236% | 968 |
| Efficiency ratio | 49.5170% | 4,966 |
| Assets per employee ($millions) | 4.2486% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3002% | 304 |
| Loan loss allowance to noncurrent loans | 167.7635% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.7748% | 1,922 |
| Noncurrent loans to loans | 1.3711% | 1,216 |
| Net loans and leases to total assets | 50.1204% | 4,589 |
| Net loans and leases to deposits | 56.8778% | 4,705 |
| Net loans and leases to core deposits | 60.4806% | 4,682 |
| Total domestic deposits to total assets | 88.1195% | 1,192 |
| Equity capital to assets | 11.8393% | 2,012 |
| Core capital (leverage) ratio | 12.1923% | 1,670 |
| Tier 1 risk-based capital ratio | 25.3551% | 722 |
| Total risk-based capital ratio | 26.6205% | 706 |
| Memoranda: | ||
| Average total assets | $247,824,250 | 2,502 |
| Average earning assets | $233,599,500 | 2,472 |
| Average equity | $29,027,250 | 2,400 |
| Average total loans | $127,685,500 | 2,933 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0315% | 3,680 |
| Cost of funding earning assets | 0.5122% | 2,913 |
| Net interest margin | 3.5194% | 3,570 |
| Noninterest income to average assets | 0.5736% | 2,458 |
| Noninterest expense to average assets | 1.8333% | 5,056 |
| Loan and lease loss provision to assets | 0.2208% | 738 |
| Net operating income to assets | 1.2776% | 1,866 |
| Return on assets (ROA) | 1.2165% | 2,116 |
| Pretax return on assets | 1.7567% | 1,079 |
| Return on Equity (ROE) | 10.4249% | 2,370 |
| Retained earnings to average equity (ytd only) | 10.4249% | 814 |
| Net charge-offs to loans | 0.1326% | 1,124 |
| Credit loss provision to net charge-offs | 322.6190% | 957 |
| Earnings coverage of net charge-offs (x) | 30.0238% | 1,505 |
| Efficiency ratio | 47.1500% | 5,162 |
| Assets per employee ($millions) | 4.1479% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3058% | 314 |
| Loan loss allowance to noncurrent loans | 164.9162% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.7924% | 1,893 |
| Noncurrent loans to loans | 1.3982% | 1,211 |
| Net loans and leases to total assets | 50.2558% | 4,594 |
| Net loans and leases to deposits | 57.0321% | 4,696 |
| Net loans and leases to core deposits | 60.8537% | 4,663 |
| Total domestic deposits to total assets | 88.1183% | 1,317 |
| Equity capital to assets | 11.8121% | 1,983 |
| Core capital (leverage) ratio | 12.1178% | 1,637 |
| Tier 1 risk-based capital ratio | 25.2545% | 713 |
| Total risk-based capital ratio | 26.5197% | 699 |
| Memoranda: | ||
| Average total assets | $245,461,000 | 2,530 |
| Average earning assets | $231,177,330 | 2,503 |
| Average equity | $28,643,000 | 2,434 |
| Average total loans | $126,656,670 | 2,956 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 3,737 |
| Cost of funding earning assets | 0.5000% | 2,796 |
| Net interest margin | 3.4651% | 3,657 |
| Noninterest income to average assets | 0.5875% | 2,326 |
| Noninterest expense to average assets | 1.7755% | 5,175 |
| Loan and lease loss provision to assets | 0.2806% | 483 |
| Net operating income to assets | 1.1258% | 2,307 |
| Return on assets (ROA) | 1.0026% | 2,868 |
| Pretax return on assets | 1.6393% | 1,273 |
| Return on Equity (ROE) | 8.6464% | 3,088 |
| Retained earnings to average equity (ytd only) | 8.6464% | 1,602 |
| Net charge-offs to loans | 0.1556% | 906 |
| Credit loss provision to net charge-offs | 348.9796% | 745 |
| Earnings coverage of net charge-offs (x) | 25.8163% | 1,334 |
| Efficiency ratio | 46.1014% | 5,272 |
| Assets per employee ($millions) | 4.6996% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2792% | 335 |
| Loan loss allowance to noncurrent loans | 179.9377% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 2,172 |
| Noncurrent loans to loans | 1.2667% | 1,421 |
| Net loans and leases to total assets | 49.7125% | 4,581 |
| Net loans and leases to deposits | 56.2520% | 4,679 |
| Net loans and leases to core deposits | 60.0724% | 4,651 |
| Total domestic deposits to total assets | 88.3747% | 1,423 |
| Equity capital to assets | 11.4643% | 2,159 |
| Core capital (leverage) ratio | 11.8741% | 1,736 |
| Tier 1 risk-based capital ratio | 24.8265% | 758 |
| Total risk-based capital ratio | 26.0911% | 746 |
| Memoranda: | ||
| Average total assets | $243,756,000 | 2,562 |
| Average earning assets | $229,603,500 | 2,535 |
| Average equity | $28,266,000 | 2,483 |
| Average total loans | $125,973,000 | 2,989 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8618% | 3,846 |
| Cost of funding earning assets | 0.4800% | 2,501 |
| Net interest margin | 3.3818% | 3,904 |
| Noninterest income to average assets | 0.5659% | 2,623 |
| Noninterest expense to average assets | 1.9246% | 5,085 |
| Loan and lease loss provision to assets | 0.0679% | 2,847 |
| Net operating income to assets | 1.1227% | 1,785 |
| Return on assets (ROA) | 1.1227% | 1,811 |
| Pretax return on assets | 1.7720% | 854 |
| Return on Equity (ROE) | 10.0032% | 1,883 |
| Retained earnings to average equity (ytd only) | 10.0032% | 347 |
| Net charge-offs to loans | 0.0537% | 2,735 |
| Credit loss provision to net charge-offs | 241.7910% | 1,143 |
| Earnings coverage of net charge-offs (x) | 65.5075% | 895 |
| Efficiency ratio | 51.1247% | 5,158 |
| Assets per employee ($millions) | 4.5853% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2078% | 365 |
| Loan loss allowance to noncurrent loans | 171.3135% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.7231% | 2,161 |
| Noncurrent loans to loans | 1.2888% | 1,359 |
| Net loans and leases to total assets | 51.3643% | 4,566 |
| Net loans and leases to deposits | 58.2154% | 4,681 |
| Net loans and leases to core deposits | 62.5712% | 4,625 |
| Total domestic deposits to total assets | 88.2315% | 1,385 |
| Equity capital to assets | 11.7336% | 2,011 |
| Core capital (leverage) ratio | 11.7870% | 1,738 |
| Tier 1 risk-based capital ratio | 24.8141% | 739 |
| Total risk-based capital ratio | 26.0782% | 719 |
| Memoranda: | ||
| Average total assets | $238,539,200 | 2,571 |
| Average earning assets | $225,618,000 | 2,545 |
| Average equity | $26,771,400 | 2,558 |
| Average total loans | $124,758,200 | 2,991 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8075% | 3,985 |
| Cost of funding earning assets | 0.4706% | 2,518 |
| Net interest margin | 3.3370% | 4,055 |
| Noninterest income to average assets | 0.5958% | 2,505 |
| Noninterest expense to average assets | 1.8465% | 5,208 |
| Loan and lease loss provision to assets | 0.0961% | 2,176 |
| Net operating income to assets | 1.2284% | 1,582 |
| Return on assets (ROA) | 1.2284% | 1,611 |
| Pretax return on assets | 1.8119% | 864 |
| Return on Equity (ROE) | 11.0714% | 1,669 |
| Retained earnings to average equity (ytd only) | 11.0714% | 407 |
| Net charge-offs to loans | 0.0824% | 1,979 |
| Credit loss provision to net charge-offs | 223.3766% | 1,242 |
| Earnings coverage of net charge-offs (x) | 44.3395% | 1,211 |
| Efficiency ratio | 49.1813% | 5,281 |
| Assets per employee ($millions) | 4.4926% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1959% | 409 |
| Loan loss allowance to noncurrent loans | 199.9277% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.5808% | 2,777 |
| Noncurrent loans to loans | 1.0983% | 1,749 |
| Net loans and leases to total assets | 51.7219% | 4,589 |
| Net loans and leases to deposits | 58.5345% | 4,719 |
| Net loans and leases to core deposits | 62.5164% | 4,677 |
| Total domestic deposits to total assets | 88.3615% | 1,194 |
| Equity capital to assets | 11.6070% | 2,271 |
| Core capital (leverage) ratio | 11.6071% | 1,946 |
| Tier 1 risk-based capital ratio | 21.3409% | 1,139 |
| Total risk-based capital ratio | 22.6016% | 1,120 |
| Memoranda: | ||
| Average total assets | $238,565,500 | 2,592 |
| Average earning assets | $225,826,500 | 2,560 |
| Average equity | $26,470,000 | 2,602 |
| Average total loans | $124,639,000 | 3,018 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7320% | 4,127 |
| Cost of funding earning assets | 0.4641% | 2,460 |
| Net interest margin | 3.2679% | 4,215 |
| Noninterest income to average assets | 0.5898% | 2,514 |
| Noninterest expense to average assets | 1.7577% | 5,358 |
| Loan and lease loss provision to assets | 0.0670% | 2,629 |
| Net operating income to assets | 1.2952% | 1,310 |
| Return on assets (ROA) | 1.2952% | 1,332 |
| Pretax return on assets | 1.8507% | 744 |
| Return on Equity (ROE) | 11.8554% | 1,342 |
| Retained earnings to average equity (ytd only) | 11.8554% | 333 |
| Net charge-offs to loans | -0.0161% | 4,692 |
| Credit loss provision to net charge-offs | -800.0000% | 4,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8231% | 5,399 |
| Assets per employee ($millions) | 4.4224% | 3,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1994% | 438 |
| Loan loss allowance to noncurrent loans | 203.3898% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6671% | 2,540 |
| Noncurrent loans to loans | 1.0814% | 1,815 |
| Net loans and leases to total assets | 51.3930% | 4,620 |
| Net loans and leases to deposits | 57.9631% | 4,751 |
| Net loans and leases to core deposits | 61.5310% | 4,741 |
| Total domestic deposits to total assets | 88.6650% | 1,122 |
| Equity capital to assets | 11.3049% | 2,492 |
| Core capital (leverage) ratio | 11.4063% | 2,042 |
| Tier 1 risk-based capital ratio | 20.9319% | 1,200 |
| Total risk-based capital ratio | 22.1921% | 1,169 |
| Memoranda: | ||
| Average total assets | $238,718,670 | 2,602 |
| Average earning assets | $225,404,670 | 2,579 |
| Average equity | $26,081,000 | 2,625 |
| Average total loans | $124,212,670 | 3,037 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6483% | 4,285 |
| Cost of funding earning assets | 0.4578% | 2,453 |
| Net interest margin | 3.1905% | 4,371 |
| Noninterest income to average assets | 0.5329% | 2,753 |
| Noninterest expense to average assets | 1.8335% | 5,330 |
| Loan and lease loss provision to assets | 0.0754% | 2,300 |
| Net operating income to assets | 1.0424% | 2,108 |
| Return on assets (ROA) | 1.0424% | 2,157 |
| Pretax return on assets | 1.6374% | 1,153 |
| Return on Equity (ROE) | 9.7100% | 2,094 |
| Retained earnings to average equity (ytd only) | 9.7100% | 879 |
| Net charge-offs to loans | -0.0906% | 5,422 |
| Credit loss provision to net charge-offs | -160.7143% | 4,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7013% | 5,278 |
| Assets per employee ($millions) | 4.7707% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2222% | 459 |
| Loan loss allowance to noncurrent loans | 196.6308% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.7526% | 2,419 |
| Noncurrent loans to loans | 1.1301% | 1,807 |
| Net loans and leases to total assets | 49.6063% | 4,704 |
| Net loans and leases to deposits | 55.6327% | 4,841 |
| Net loans and leases to core deposits | 58.5592% | 4,850 |
| Total domestic deposits to total assets | 89.1675% | 1,066 |
| Equity capital to assets | 10.6768% | 2,985 |
| Core capital (leverage) ratio | 11.0153% | 2,351 |
| Tier 1 risk-based capital ratio | 20.2997% | 1,331 |
| Total risk-based capital ratio | 21.5603% | 1,297 |
| Memoranda: | ||
| Average total assets | $238,673,500 | 2,631 |
| Average earning assets | $225,418,500 | 2,597 |
| Average equity | $25,623,000 | 2,674 |
| Average total loans | $123,573,500 | 3,063 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7241% | 4,143 |
| Cost of funding earning assets | 0.4635% | 2,412 |
| Net interest margin | 3.2607% | 4,266 |
| Noninterest income to average assets | 0.5485% | 2,924 |
| Noninterest expense to average assets | 1.9224% | 5,328 |
| Loan and lease loss provision to assets | 0.1393% | 1,790 |
| Net operating income to assets | 1.0187% | 2,269 |
| Return on assets (ROA) | 1.0187% | 2,372 |
| Pretax return on assets | 1.5614% | 1,395 |
| Return on Equity (ROE) | 9.4393% | 2,213 |
| Retained earnings to average equity (ytd only) | 9.4393% | 508 |
| Net charge-offs to loans | 0.0497% | 3,052 |
| Credit loss provision to net charge-offs | 533.8983% | 623 |
| Earnings coverage of net charge-offs (x) | 65.1695% | 838 |
| Efficiency ratio | 53.0582% | 5,311 |
| Assets per employee ($millions) | 4.5008% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1583% | 490 |
| Loan loss allowance to noncurrent loans | 186.8439% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7969% | 2,360 |
| Noncurrent loans to loans | 1.1551% | 1,777 |
| Net loans and leases to total assets | 51.7168% | 4,634 |
| Net loans and leases to deposits | 57.9966% | 4,786 |
| Net loans and leases to core deposits | 61.0471% | 4,803 |
| Total domestic deposits to total assets | 89.1721% | 1,025 |
| Equity capital to assets | 10.7971% | 2,817 |
| Core capital (leverage) ratio | 11.2499% | 2,124 |
| Tier 1 risk-based capital ratio | 20.2154% | 1,339 |
| Total risk-based capital ratio | 21.4759% | 1,314 |
| Memoranda: | ||
| Average total assets | $226,076,200 | 2,698 |
| Average earning assets | $213,176,600 | 2,664 |
| Average equity | $24,398,000 | 2,768 |
| Average total loans | $118,730,000 | 3,085 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7379% | 4,121 |
| Cost of funding earning assets | 0.4673% | 2,396 |
| Net interest margin | 3.2706% | 4,276 |
| Noninterest income to average assets | 0.5664% | 2,840 |
| Noninterest expense to average assets | 1.8707% | 5,426 |
| Loan and lease loss provision to assets | 0.1279% | 1,829 |
| Net operating income to assets | 1.0597% | 2,160 |
| Return on assets (ROA) | 1.0597% | 2,275 |
| Pretax return on assets | 1.6535% | 1,239 |
| Return on Equity (ROE) | 9.8206% | 2,131 |
| Retained earnings to average equity (ytd only) | 9.8206% | 607 |
| Net charge-offs to loans | 0.0216% | 3,256 |
| Credit loss provision to net charge-offs | 1,131.5789% | 361 |
| Earnings coverage of net charge-offs (x) | 157.5957% | 445 |
| Efficiency ratio | 51.2219% | 5,429 |
| Assets per employee ($millions) | 4.5636% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1421% | 563 |
| Loan loss allowance to noncurrent loans | 193.3333% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.7987% | 2,546 |
| Noncurrent loans to loans | 1.1080% | 2,036 |
| Net loans and leases to total assets | 53.3193% | 4,552 |
| Net loans and leases to deposits | 60.0599% | 4,751 |
| Net loans and leases to core deposits | 62.9859% | 4,776 |
| Total domestic deposits to total assets | 88.7768% | 1,014 |
| Equity capital to assets | 11.1941% | 2,804 |
| Core capital (leverage) ratio | 11.2115% | 2,261 |
| Tier 1 risk-based capital ratio | 20.4353% | 1,363 |
| Total risk-based capital ratio | 21.6961% | 1,329 |
| Memoranda: | ||
| Average total assets | $224,084,250 | 2,727 |
| Average earning assets | $211,412,750 | 2,690 |
| Average equity | $24,180,000 | 2,804 |
| Average total loans | $117,485,000 | 3,110 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6938% | 4,315 |
| Cost of funding earning assets | 0.4688% | 2,387 |
| Net interest margin | 3.2250% | 4,469 |
| Noninterest income to average assets | 0.5797% | 2,727 |
| Noninterest expense to average assets | 1.8355% | 5,546 |
| Loan and lease loss provision to assets | 0.1159% | 1,953 |
| Net operating income to assets | 1.0765% | 2,056 |
| Return on assets (ROA) | 1.0765% | 2,181 |
| Pretax return on assets | 1.6839% | 1,134 |
| Return on Equity (ROE) | 10.1021% | 2,004 |
| Retained earnings to average equity (ytd only) | 10.1021% | 573 |
| Net charge-offs to loans | -0.0207% | 4,961 |
| Credit loss provision to net charge-offs | -1,083.3333% | 5,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4907% | 5,533 |
| Assets per employee ($millions) | 4.1349% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1430% | 585 |
| Loan loss allowance to noncurrent loans | 237.1058% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6781% | 2,959 |
| Noncurrent loans to loans | 0.9038% | 2,476 |
| Net loans and leases to total assets | 52.2731% | 4,646 |
| Net loans and leases to deposits | 58.7655% | 4,863 |
| Net loans and leases to core deposits | 62.0264% | 4,884 |
| Total domestic deposits to total assets | 88.9521% | 939 |
| Equity capital to assets | 10.9690% | 3,095 |
| Core capital (leverage) ratio | 10.8549% | 2,589 |
| Tier 1 risk-based capital ratio | 20.2933% | 1,387 |
| Total risk-based capital ratio | 21.5541% | 1,361 |
| Memoranda: | ||
| Average total assets | $224,240,000 | 2,740 |
| Average earning assets | $212,465,670 | 2,693 |
| Average equity | $23,896,000 | 2,841 |
| Average total loans | $116,033,000 | 3,139 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6936% | 4,346 |
| Cost of funding earning assets | 0.4678% | 2,392 |
| Net interest margin | 3.2258% | 4,492 |
| Noninterest income to average assets | 0.5838% | 2,622 |
| Noninterest expense to average assets | 1.8672% | 5,568 |
| Loan and lease loss provision to assets | 0.1246% | 1,699 |
| Net operating income to assets | 1.1855% | 1,606 |
| Return on assets (ROA) | 1.1855% | 1,701 |
| Pretax return on assets | 1.6483% | 1,184 |
| Return on Equity (ROE) | 11.2891% | 1,504 |
| Retained earnings to average equity (ytd only) | 11.2891% | 603 |
| Net charge-offs to loans | -0.0035% | 4,206 |
| Credit loss provision to net charge-offs | -7,000.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2958% | 5,548 |
| Assets per employee ($millions) | 4.1241% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1145% | 671 |
| Loan loss allowance to noncurrent loans | 238.0268% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 3,087 |
| Noncurrent loans to loans | 0.8883% | 2,624 |
| Net loans and leases to total assets | 50.7171% | 4,745 |
| Net loans and leases to deposits | 56.7898% | 4,935 |
| Net loans and leases to core deposits | 59.8728% | 4,948 |
| Total domestic deposits to total assets | 89.3067% | 943 |
| Equity capital to assets | 10.5579% | 3,420 |
| Core capital (leverage) ratio | 10.6789% | 2,759 |
| Tier 1 risk-based capital ratio | 19.8816% | 1,532 |
| Total risk-based capital ratio | 21.1414% | 1,497 |
| Memoranda: | ||
| Average total assets | $224,718,500 | 2,740 |
| Average earning assets | $212,906,000 | 2,692 |
| Average equity | $23,598,000 | 2,863 |
| Average total loans | $114,413,000 | 3,177 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5838% | 4,717 |
| Cost of funding earning assets | 0.4625% | 2,513 |
| Net interest margin | 3.1214% | 4,851 |
| Noninterest income to average assets | 0.5494% | 3,016 |
| Noninterest expense to average assets | 1.9523% | 5,541 |
| Loan and lease loss provision to assets | 0.1448% | 1,637 |
| Net operating income to assets | 0.9300% | 2,702 |
| Return on assets (ROA) | 0.9300% | 2,794 |
| Pretax return on assets | 1.4166% | 1,834 |
| Return on Equity (ROE) | 8.9052% | 2,499 |
| Retained earnings to average equity (ytd only) | 8.9052% | 674 |
| Net charge-offs to loans | 0.0192% | 3,885 |
| Credit loss provision to net charge-offs | 1,471.4286% | 235 |
| Earnings coverage of net charge-offs (x) | 158.6190% | 401 |
| Efficiency ratio | 55.5630% | 5,390 |
| Assets per employee ($millions) | 4.2002% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1689% | 622 |
| Loan loss allowance to noncurrent loans | 199.0107% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.7448% | 2,825 |
| Noncurrent loans to loans | 1.0898% | 2,160 |
| Net loans and leases to total assets | 48.9138% | 4,947 |
| Net loans and leases to deposits | 54.6788% | 5,122 |
| Net loans and leases to core deposits | 57.6951% | 5,121 |
| Total domestic deposits to total assets | 89.4565% | 883 |
| Equity capital to assets | 10.4433% | 3,432 |
| Core capital (leverage) ratio | 10.5479% | 2,884 |
| Tier 1 risk-based capital ratio | 20.1533% | 1,453 |
| Total risk-based capital ratio | 21.4131% | 1,424 |
| Memoranda: | ||
| Average total assets | $213,334,800 | 2,805 |
| Average earning assets | $202,604,000 | 2,752 |
| Average equity | $22,279,000 | 2,940 |
| Average total loans | $109,162,800 | 3,215 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5795% | 4,795 |
| Cost of funding earning assets | 0.4601% | 2,581 |
| Net interest margin | 3.1194% | 4,911 |
| Noninterest income to average assets | 0.5352% | 3,134 |
| Noninterest expense to average assets | 1.8766% | 5,677 |
| Loan and lease loss provision to assets | 0.1611% | 1,334 |
| Net operating income to assets | 0.9345% | 2,782 |
| Return on assets (ROA) | 0.9345% | 2,877 |
| Pretax return on assets | 1.4659% | 1,780 |
| Return on Equity (ROE) | 8.9485% | 2,601 |
| Retained earnings to average equity (ytd only) | 8.9485% | 926 |
| Net charge-offs to loans | -0.0025% | 4,726 |
| Credit loss provision to net charge-offs | -12,750.0000% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5618% | 5,550 |
| Assets per employee ($millions) | 5.0415% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1700% | 697 |
| Loan loss allowance to noncurrent loans | 185.5919% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.8160% | 2,840 |
| Noncurrent loans to loans | 1.1692% | 2,185 |
| Net loans and leases to total assets | 49.5567% | 4,965 |
| Net loans and leases to deposits | 55.4377% | 5,160 |
| Net loans and leases to core deposits | 58.6599% | 5,148 |
| Total domestic deposits to total assets | 89.3917% | 822 |
| Equity capital to assets | 10.5220% | 3,579 |
| Core capital (leverage) ratio | 10.4521% | 3,096 |
| Tier 1 risk-based capital ratio | 20.0757% | 1,525 |
| Total risk-based capital ratio | 21.3366% | 1,491 |
| Memoranda: | ||
| Average total assets | $211,015,500 | 2,853 |
| Average earning assets | $200,805,250 | 2,792 |
| Average equity | $22,036,750 | 2,987 |
| Average total loans | $108,628,000 | 3,252 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5532% | 4,851 |
| Cost of funding earning assets | 0.4579% | 2,631 |
| Net interest margin | 3.0953% | 4,979 |
| Noninterest income to average assets | 0.5299% | 3,169 |
| Noninterest expense to average assets | 1.8729% | 5,750 |
| Loan and lease loss provision to assets | 0.1913% | 1,042 |
| Net operating income to assets | 0.8838% | 2,970 |
| Return on assets (ROA) | 0.8838% | 3,084 |
| Pretax return on assets | 1.4080% | 1,951 |
| Return on Equity (ROE) | 8.4852% | 2,802 |
| Retained earnings to average equity (ytd only) | 8.4852% | 1,078 |
| Net charge-offs to loans | 0.1349% | 1,690 |
| Credit loss provision to net charge-offs | 273.9726% | 986 |
| Earnings coverage of net charge-offs (x) | 22.9041% | 1,626 |
| Efficiency ratio | 53.9394% | 5,591 |
| Assets per employee ($millions) | 4.7265% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0870% | 870 |
| Loan loss allowance to noncurrent loans | 167.1365% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.8610% | 2,830 |
| Noncurrent loans to loans | 1.2487% | 2,161 |
| Net loans and leases to total assets | 48.6172% | 5,045 |
| Net loans and leases to deposits | 54.5798% | 5,216 |
| Net loans and leases to core deposits | 57.1792% | 5,240 |
| Total domestic deposits to total assets | 89.0754% | 1,111 |
| Equity capital to assets | 10.2182% | 3,790 |
| Core capital (leverage) ratio | 10.2941% | 3,218 |
| Tier 1 risk-based capital ratio | 19.7825% | 1,603 |
| Total risk-based capital ratio | 21.0419% | 1,557 |
| Memoranda: | ||
| Average total assets | $209,092,670 | 2,901 |
| Average earning assets | $198,750,000 | 2,833 |
| Average equity | $21,779,000 | 3,023 |
| Average total loans | $108,232,670 | 3,282 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6014% | 4,689 |
| Cost of funding earning assets | 0.4638% | 2,634 |
| Net interest margin | 3.1375% | 4,828 |
| Noninterest income to average assets | 0.5778% | 2,788 |
| Noninterest expense to average assets | 1.9226% | 5,717 |
| Loan and lease loss provision to assets | 0.1074% | 1,916 |
| Net operating income to assets | 1.0013% | 2,267 |
| Return on assets (ROA) | 1.0013% | 2,399 |
| Pretax return on assets | 1.5186% | 1,502 |
| Return on Equity (ROE) | 9.5139% | 2,213 |
| Retained earnings to average equity (ytd only) | 9.5139% | 1,038 |
| Net charge-offs to loans | 0.0738% | 1,970 |
| Credit loss provision to net charge-offs | 275.0000% | 867 |
| Earnings coverage of net charge-offs (x) | 41.6500% | 951 |
| Efficiency ratio | 54.1804% | 5,666 |
| Assets per employee ($millions) | 4.8193% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0080% | 1,064 |
| Loan loss allowance to noncurrent loans | 254.5347% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.7805% | 3,164 |
| Noncurrent loans to loans | 0.7889% | 3,278 |
| Net loans and leases to total assets | 49.7331% | 4,882 |
| Net loans and leases to deposits | 55.4750% | 5,083 |
| Net loans and leases to core deposits | 58.1741% | 5,114 |
| Total domestic deposits to total assets | 89.6495% | 924 |
| Equity capital to assets | 10.3019% | 3,775 |
| Core capital (leverage) ratio | 10.7375% | 2,705 |
| Tier 1 risk-based capital ratio | 19.1778% | 1,825 |
| Total risk-based capital ratio | 20.4358% | 1,779 |
| Memoranda: | ||
| Average total assets | $204,927,500 | 2,959 |
| Average earning assets | $194,037,500 | 2,905 |
| Average equity | $21,568,500 | 3,069 |
| Average total loans | $108,371,500 | 3,293 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8018% | 4,489 |
| Cost of funding earning assets | 0.5161% | 2,523 |
| Net interest margin | 3.2857% | 4,634 |
| Noninterest income to average assets | 0.6019% | 2,848 |
| Noninterest expense to average assets | 2.1226% | 5,518 |
| Loan and lease loss provision to assets | 0.1575% | 1,667 |
| Net operating income to assets | 0.9443% | 2,652 |
| Return on assets (ROA) | 0.9443% | 2,745 |
| Pretax return on assets | 1.4282% | 1,790 |
| Return on Equity (ROE) | 9.2618% | 2,460 |
| Retained earnings to average equity (ytd only) | 9.2618% | 652 |
| Net charge-offs to loans | 0.1605% | 2,425 |
| Credit loss provision to net charge-offs | 178.9773% | 1,355 |
| Earnings coverage of net charge-offs (x) | 18.0227% | 1,869 |
| Efficiency ratio | 57.2391% | 5,542 |
| Assets per employee ($millions) | 4.6002% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 1,206 |
| Loan loss allowance to noncurrent loans | 223.5542% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.8847% | 2,993 |
| Noncurrent loans to loans | 0.8715% | 3,136 |
| Net loans and leases to total assets | 54.0921% | 4,567 |
| Net loans and leases to deposits | 60.6427% | 4,843 |
| Net loans and leases to core deposits | 63.8493% | 4,837 |
| Total domestic deposits to total assets | 89.1981% | 1,124 |
| Equity capital to assets | 10.7640% | 3,164 |
| Core capital (leverage) ratio | 10.6701% | 2,751 |
| Tier 1 risk-based capital ratio | 18.8582% | 1,889 |
| Total risk-based capital ratio | 20.1161% | 1,849 |
| Memoranda: | ||
| Average total assets | $200,038,000 | 2,998 |
| Average earning assets | $189,122,400 | 2,913 |
| Average equity | $20,395,600 | 3,117 |
| Average total loans | $109,652,800 | 3,225 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7837% | 4,599 |
| Cost of funding earning assets | 0.5262% | 2,502 |
| Net interest margin | 3.2576% | 4,775 |
| Noninterest income to average assets | 0.6095% | 2,808 |
| Noninterest expense to average assets | 2.0459% | 5,687 |
| Loan and lease loss provision to assets | 0.1495% | 1,668 |
| Net operating income to assets | 0.9651% | 2,623 |
| Return on assets (ROA) | 0.9651% | 2,692 |
| Pretax return on assets | 1.4922% | 1,666 |
| Return on Equity (ROE) | 9.5975% | 2,405 |
| Retained earnings to average equity (ytd only) | 9.5975% | 812 |
| Net charge-offs to loans | 0.1640% | 2,159 |
| Credit loss provision to net charge-offs | 166.6667% | 1,468 |
| Earnings coverage of net charge-offs (x) | 18.2958% | 1,851 |
| Efficiency ratio | 55.4795% | 5,709 |
| Assets per employee ($millions) | 4.2057% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8760% | 1,514 |
| Loan loss allowance to noncurrent loans | 237.1005% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.8388% | 3,320 |
| Noncurrent loans to loans | 0.7912% | 3,605 |
| Net loans and leases to total assets | 54.9596% | 4,466 |
| Net loans and leases to deposits | 61.4900% | 4,795 |
| Net loans and leases to core deposits | 65.1147% | 4,790 |
| Total domestic deposits to total assets | 89.3797% | 1,037 |
| Equity capital to assets | 10.5596% | 3,487 |
| Core capital (leverage) ratio | 10.3988% | 3,159 |
| Tier 1 risk-based capital ratio | 18.5533% | 2,034 |
| Total risk-based capital ratio | 19.8107% | 1,996 |
| Memoranda: | ||
| Average total assets | $200,595,750 | 3,007 |
| Average earning assets | $189,543,750 | 2,936 |
| Average equity | $20,171,500 | 3,152 |
| Average total loans | $109,785,000 | 3,244 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7402% | 4,733 |
| Cost of funding earning assets | 0.5318% | 2,521 |
| Net interest margin | 3.2085% | 4,917 |
| Noninterest income to average assets | 0.6181% | 2,722 |
| Noninterest expense to average assets | 2.0320% | 5,770 |
| Loan and lease loss provision to assets | 0.1588% | 1,568 |
| Net operating income to assets | 0.9416% | 2,587 |
| Return on assets (ROA) | 0.9416% | 2,693 |
| Pretax return on assets | 1.4566% | 1,688 |
| Return on Equity (ROE) | 9.5197% | 2,369 |
| Retained earnings to average equity (ytd only) | 9.5197% | 835 |
| Net charge-offs to loans | 0.1882% | 1,906 |
| Credit loss provision to net charge-offs | 155.3398% | 1,424 |
| Earnings coverage of net charge-offs (x) | 15.8058% | 1,828 |
| Efficiency ratio | 55.7127% | 5,769 |
| Assets per employee ($millions) | 4.4054% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8586% | 1,682 |
| Loan loss allowance to noncurrent loans | 200.7859% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8379% | 3,460 |
| Noncurrent loans to loans | 0.9256% | 3,405 |
| Net loans and leases to total assets | 53.2618% | 4,620 |
| Net loans and leases to deposits | 59.3145% | 4,923 |
| Net loans and leases to core deposits | 62.3928% | 4,939 |
| Total domestic deposits to total assets | 89.7956% | 910 |
| Equity capital to assets | 10.0544% | 4,030 |
| Core capital (leverage) ratio | 10.0383% | 3,558 |
| Tier 1 risk-based capital ratio | 17.4476% | 2,441 |
| Total risk-based capital ratio | 18.7031% | 2,408 |
| Memoranda: | ||
| Average total assets | $201,571,330 | 3,013 |
| Average earning assets | $190,308,330 | 2,947 |
| Average equity | $19,937,670 | 3,175 |
| Average total loans | $109,475,000 | 3,255 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9068% | 4,058 |
| Cost of funding earning assets | 0.5394% | 2,511 |
| Net interest margin | 3.3673% | 4,264 |
| Noninterest income to average assets | 0.6268% | 2,585 |
| Noninterest expense to average assets | 1.8365% | 6,168 |
| Loan and lease loss provision to assets | 0.1890% | 1,260 |
| Net operating income to assets | 1.2117% | 1,453 |
| Return on assets (ROA) | 1.2117% | 1,513 |
| Pretax return on assets | 1.7808% | 824 |
| Return on Equity (ROE) | 12.3536% | 1,326 |
| Retained earnings to average equity (ytd only) | 12.3536% | 566 |
| Net charge-offs to loans | 0.2087% | 1,497 |
| Credit loss provision to net charge-offs | 166.6667% | 1,168 |
| Earnings coverage of net charge-offs (x) | 17.3684% | 1,462 |
| Efficiency ratio | 48.2488% | 6,344 |
| Assets per employee ($millions) | 4.5797% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8609% | 1,867 |
| Loan loss allowance to noncurrent loans | 196.8902% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.8536% | 3,595 |
| Noncurrent loans to loans | 0.9452% | 3,526 |
| Net loans and leases to total assets | 53.0230% | 4,538 |
| Net loans and leases to deposits | 58.9741% | 4,846 |
| Net loans and leases to core deposits | 62.3273% | 4,842 |
| Total domestic deposits to total assets | 89.9089% | 1,123 |
| Equity capital to assets | 9.9432% | 3,915 |
| Core capital (leverage) ratio | 10.0275% | 3,537 |
| Tier 1 risk-based capital ratio | 17.2605% | 2,567 |
| Total risk-based capital ratio | 18.5159% | 2,529 |
| Memoranda: | ||
| Average total assets | $201,033,000 | 3,036 |
| Average earning assets | $189,824,000 | 2,972 |
| Average equity | $19,719,000 | 3,198 |
| Average total loans | $109,223,500 | 3,280 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 4,305 |
| Cost of funding earning assets | 0.6624% | 2,101 |
| Net interest margin | 3.2823% | 4,730 |
| Noninterest income to average assets | 0.7354% | 2,357 |
| Noninterest expense to average assets | 2.1050% | 5,821 |
| Loan and lease loss provision to assets | 0.1432% | 2,513 |
| Net operating income to assets | 1.0263% | 2,217 |
| Return on assets (ROA) | 1.0263% | 2,281 |
| Pretax return on assets | 1.5641% | 1,258 |
| Return on Equity (ROE) | 10.8459% | 1,816 |
| Retained earnings to average equity (ytd only) | 10.8459% | 441 |
| Net charge-offs to loans | 0.1276% | 3,539 |
| Credit loss provision to net charge-offs | 200.7194% | 1,139 |
| Earnings coverage of net charge-offs (x) | 23.9353% | 1,390 |
| Efficiency ratio | 55.2160% | 6,027 |
| Assets per employee ($millions) | 4.7753% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8133% | 2,025 |
| Loan loss allowance to noncurrent loans | 232.9426% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.7968% | 3,890 |
| Noncurrent loans to loans | 0.7784% | 4,024 |
| Net loans and leases to total assets | 53.6445% | 4,634 |
| Net loans and leases to deposits | 59.4433% | 4,983 |
| Net loans and leases to core deposits | 63.3139% | 4,939 |
| Total domestic deposits to total assets | 90.2449% | 941 |
| Equity capital to assets | 9.6739% | 4,191 |
| Core capital (leverage) ratio | 9.6191% | 4,091 |
| Tier 1 risk-based capital ratio | 16.5781% | 2,808 |
| Total risk-based capital ratio | 17.8329% | 2,776 |
| Memoranda: | ||
| Average total assets | $194,872,600 | 3,088 |
| Average earning assets | $182,678,400 | 3,042 |
| Average equity | $18,440,200 | 3,349 |
| Average total loans | $108,895,200 | 3,263 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9639% | 4,267 |
| Cost of funding earning assets | 0.6869% | 2,036 |
| Net interest margin | 3.2770% | 4,724 |
| Noninterest income to average assets | 0.7885% | 2,206 |
| Noninterest expense to average assets | 2.0194% | 5,972 |
| Loan and lease loss provision to assets | 0.1303% | 2,657 |
| Net operating income to assets | 1.1365% | 1,864 |
| Return on assets (ROA) | 1.1365% | 1,936 |
| Pretax return on assets | 1.7065% | 1,079 |
| Return on Equity (ROE) | 12.0804% | 1,449 |
| Retained earnings to average equity (ytd only) | 12.0804% | 409 |
| Net charge-offs to loans | 0.1030% | 3,507 |
| Credit loss provision to net charge-offs | 225.0000% | 1,083 |
| Earnings coverage of net charge-offs (x) | 31.7254% | 1,191 |
| Efficiency ratio | 52.3682% | 6,231 |
| Assets per employee ($millions) | 4.5580% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7807% | 2,367 |
| Loan loss allowance to noncurrent loans | 311.3238% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.6841% | 4,405 |
| Noncurrent loans to loans | 0.5720% | 4,772 |
| Net loans and leases to total assets | 53.6848% | 4,666 |
| Net loans and leases to deposits | 59.4563% | 5,037 |
| Net loans and leases to core deposits | 64.1165% | 4,890 |
| Total domestic deposits to total assets | 90.2929% | 843 |
| Equity capital to assets | 9.5032% | 4,553 |
| Core capital (leverage) ratio | 9.7701% | 4,002 |
| Tier 1 risk-based capital ratio | 16.2382% | 3,067 |
| Total risk-based capital ratio | 17.4922% | 3,027 |
| Memoranda: | ||
| Average total assets | $193,450,500 | 3,132 |
| Average earning assets | $181,094,750 | 3,087 |
| Average equity | $18,199,750 | 3,424 |
| Average total loans | $108,724,750 | 3,296 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9325% | 4,345 |
| Cost of funding earning assets | 0.7241% | 1,892 |
| Net interest margin | 3.2085% | 4,918 |
| Noninterest income to average assets | 0.8656% | 1,941 |
| Noninterest expense to average assets | 2.0431% | 5,965 |
| Loan and lease loss provision to assets | 0.1769% | 2,143 |
| Net operating income to assets | 1.1000% | 1,928 |
| Return on assets (ROA) | 1.1000% | 2,043 |
| Pretax return on assets | 1.6464% | 1,239 |
| Return on Equity (ROE) | 11.7343% | 1,574 |
| Retained earnings to average equity (ytd only) | 11.7343% | 539 |
| Net charge-offs to loans | 0.1808% | 2,673 |
| Credit loss provision to net charge-offs | 172.4490% | 1,369 |
| Earnings coverage of net charge-offs (x) | 17.7755% | 1,589 |
| Efficiency ratio | 52.8424% | 6,230 |
| Assets per employee ($millions) | 4.5874% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 2,575 |
| Loan loss allowance to noncurrent loans | 456.6667% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.5922% | 4,768 |
| Noncurrent loans to loans | 0.3847% | 5,311 |
| Net loans and leases to total assets | 55.6705% | 4,346 |
| Net loans and leases to deposits | 61.7433% | 4,768 |
| Net loans and leases to core deposits | 67.2428% | 4,568 |
| Total domestic deposits to total assets | 90.1646% | 943 |
| Equity capital to assets | 9.5806% | 4,475 |
| Core capital (leverage) ratio | 9.5334% | 4,190 |
| Tier 1 risk-based capital ratio | 15.7706% | 3,329 |
| Total risk-based capital ratio | 17.0248% | 3,277 |
| Memoranda: | ||
| Average total assets | $191,082,670 | 3,180 |
| Average earning assets | $178,714,670 | 3,136 |
| Average equity | $17,913,330 | 3,502 |
| Average total loans | $108,426,670 | 3,312 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8408% | 4,676 |
| Cost of funding earning assets | 0.8435% | 1,286 |
| Net interest margin | 2.9973% | 5,579 |
| Noninterest income to average assets | 0.6622% | 2,808 |
| Noninterest expense to average assets | 1.9802% | 6,141 |
| Loan and lease loss provision to assets | 0.2228% | 1,654 |
| Net operating income to assets | 0.8072% | 3,116 |
| Return on assets (ROA) | 0.8072% | 3,253 |
| Pretax return on assets | 1.2675% | 2,348 |
| Return on Equity (ROE) | 8.7072% | 2,625 |
| Retained earnings to average equity (ytd only) | 8.7072% | 1,486 |
| Net charge-offs to loans | 0.2554% | 1,934 |
| Credit loss provision to net charge-offs | 153.6232% | 1,342 |
| Earnings coverage of net charge-offs (x) | 10.2754% | 1,759 |
| Efficiency ratio | 57.0563% | 5,954 |
| Assets per employee ($millions) | 4.7130% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7512% | 2,806 |
| Loan loss allowance to noncurrent loans | 394.1423% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 4,554 |
| Noncurrent loans to loans | 0.4443% | 5,309 |
| Net loans and leases to total assets | 54.7005% | 4,295 |
| Net loans and leases to deposits | 60.3921% | 4,750 |
| Net loans and leases to core deposits | 65.9808% | 4,532 |
| Total domestic deposits to total assets | 90.5757% | 730 |
| Equity capital to assets | 9.2272% | 5,224 |
| Core capital (leverage) ratio | 9.3008% | 4,397 |
| Tier 1 risk-based capital ratio | 15.2618% | 3,676 |
| Total risk-based capital ratio | 16.5098% | 3,630 |
| Memoranda: | ||
| Average total assets | $190,288,500 | 3,219 |
| Average earning assets | $178,296,000 | 3,170 |
| Average equity | $17,640,500 | 3,572 |
| Average total loans | $108,050,500 | 3,335 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2702% | 4,317 |
| Cost of funding earning assets | 0.8671% | 2,165 |
| Net interest margin | 3.4031% | 4,872 |
| Noninterest income to average assets | 0.6666% | 2,900 |
| Noninterest expense to average assets | 2.2241% | 5,870 |
| Loan and lease loss provision to assets | 0.2014% | 3,125 |
| Net operating income to assets | 0.9467% | 2,566 |
| Return on assets (ROA) | 0.9583% | 2,756 |
| Pretax return on assets | 1.4389% | 1,897 |
| Return on Equity (ROE) | 10.5757% | 1,947 |
| Retained earnings to average equity (ytd only) | 10.5757% | 492 |
| Net charge-offs to loans | 0.1128% | 4,546 |
| Credit loss provision to net charge-offs | 300.8130% | 806 |
| Earnings coverage of net charge-offs (x) | 24.2439% | 1,183 |
| Efficiency ratio | 57.8158% | 5,860 |
| Assets per employee ($millions) | 4.2578% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7020% | 2,924 |
| Loan loss allowance to noncurrent loans | 323.4676% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.7745% | 4,525 |
| Noncurrent loans to loans | 0.5262% | 5,213 |
| Net loans and leases to total assets | 56.9383% | 4,128 |
| Net loans and leases to deposits | 62.8795% | 4,672 |
| Net loans and leases to core deposits | 68.5205% | 4,480 |
| Total domestic deposits to total assets | 90.5516% | 680 |
| Equity capital to assets | 9.3150% | 5,132 |
| Core capital (leverage) ratio | 9.2419% | 4,509 |
| Tier 1 risk-based capital ratio | 15.2505% | 3,582 |
| Total risk-based capital ratio | 16.5050% | 3,524 |
| Memoranda: | ||
| Average total assets | $183,756,600 | 3,263 |
| Average earning assets | $171,724,000 | 3,206 |
| Average equity | $16,651,400 | 3,680 |
| Average total loans | $109,089,400 | 3,314 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3078% | 4,425 |
| Cost of funding earning assets | 0.8797% | 2,314 |
| Net interest margin | 3.4281% | 4,932 |
| Noninterest income to average assets | 0.6781% | 2,823 |
| Noninterest expense to average assets | 2.1561% | 6,047 |
| Loan and lease loss provision to assets | 0.1859% | 3,264 |
| Net operating income to assets | 0.9952% | 2,536 |
| Return on assets (ROA) | 1.0099% | 2,685 |
| Pretax return on assets | 1.5582% | 1,704 |
| Return on Equity (ROE) | 11.2246% | 1,879 |
| Retained earnings to average equity (ytd only) | 11.2246% | 647 |
| Net charge-offs to loans | 0.0683% | 4,732 |
| Credit loss provision to net charge-offs | 455.3571% | 587 |
| Earnings coverage of net charge-offs (x) | 42.1634% | 845 |
| Efficiency ratio | 55.6036% | 6,095 |
| Assets per employee ($millions) | 4.3079% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 3,255 |
| Loan loss allowance to noncurrent loans | 268.2563% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.8627% | 4,568 |
| Noncurrent loans to loans | 0.6230% | 5,194 |
| Net loans and leases to total assets | 57.1761% | 4,263 |
| Net loans and leases to deposits | 63.1479% | 4,822 |
| Net loans and leases to core deposits | 68.4312% | 4,682 |
| Total domestic deposits to total assets | 90.5431% | 584 |
| Equity capital to assets | 9.2286% | 5,562 |
| Core capital (leverage) ratio | 9.2484% | 4,679 |
| Tier 1 risk-based capital ratio | 15.0400% | 3,822 |
| Total risk-based capital ratio | 16.2939% | 3,768 |
| Memoranda: | ||
| Average total assets | $182,860,000 | 3,301 |
| Average earning assets | $170,662,750 | 3,252 |
| Average equity | $16,451,500 | 3,747 |
| Average total loans | $109,232,500 | 3,336 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3897% | 4,227 |
| Cost of funding earning assets | 0.8909% | 2,474 |
| Net interest margin | 3.4988% | 4,673 |
| Noninterest income to average assets | 0.6866% | 2,738 |
| Noninterest expense to average assets | 2.1783% | 6,064 |
| Loan and lease loss provision to assets | 0.1318% | 3,877 |
| Net operating income to assets | 1.0782% | 2,131 |
| Return on assets (ROA) | 1.1007% | 2,268 |
| Pretax return on assets | 1.6675% | 1,348 |
| Return on Equity (ROE) | 12.3422% | 1,559 |
| Retained earnings to average equity (ytd only) | 12.3422% | 528 |
| Net charge-offs to loans | -0.0529% | 6,677 |
| Credit loss provision to net charge-offs | -413.7931% | 6,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2368% | 6,202 |
| Assets per employee ($millions) | 4.2326% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 3,512 |
| Loan loss allowance to noncurrent loans | 235.3970% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.9633% | 4,444 |
| Noncurrent loans to loans | 0.6903% | 5,124 |
| Net loans and leases to total assets | 56.8550% | 4,347 |
| Net loans and leases to deposits | 62.5733% | 4,929 |
| Net loans and leases to core deposits | 67.9475% | 4,791 |
| Total domestic deposits to total assets | 90.8615% | 498 |
| Equity capital to assets | 8.9709% | 5,727 |
| Core capital (leverage) ratio | 8.8450% | 5,140 |
| Tier 1 risk-based capital ratio | 14.5603% | 4,058 |
| Total risk-based capital ratio | 15.7391% | 4,072 |
| Memoranda: | ||
| Average total assets | $182,066,670 | 3,324 |
| Average earning assets | $169,486,330 | 3,278 |
| Average equity | $16,237,000 | 3,771 |
| Average total loans | $109,739,000 | 3,341 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4724% | 4,022 |
| Cost of funding earning assets | 0.9074% | 2,630 |
| Net interest margin | 3.5650% | 4,421 |
| Noninterest income to average assets | 0.7112% | 2,608 |
| Noninterest expense to average assets | 2.1269% | 6,213 |
| Loan and lease loss provision to assets | 0.1333% | 3,690 |
| Net operating income to assets | 1.1357% | 1,939 |
| Return on assets (ROA) | 1.1357% | 2,123 |
| Pretax return on assets | 1.7602% | 1,171 |
| Return on Equity (ROE) | 12.7734% | 1,470 |
| Retained earnings to average equity (ytd only) | 12.7734% | 715 |
| Net charge-offs to loans | -0.1011% | 6,790 |
| Credit loss provision to net charge-offs | -214.2857% | 5,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9022% | 6,449 |
| Assets per employee ($millions) | 4.1420% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 3,961 |
| Loan loss allowance to noncurrent loans | 139.6195% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 1.0001% | 4,494 |
| Noncurrent loans to loans | 1.1072% | 4,485 |
| Net loans and leases to total assets | 57.6801% | 4,094 |
| Net loans and leases to deposits | 63.3963% | 4,714 |
| Net loans and leases to core deposits | 68.9171% | 4,573 |
| Total domestic deposits to total assets | 90.9834% | 567 |
| Equity capital to assets | 8.7183% | 5,849 |
| Core capital (leverage) ratio | 9.2171% | 4,487 |
| Tier 1 risk-based capital ratio | 13.8512% | 4,569 |
| Total risk-based capital ratio | 15.0967% | 4,551 |
| Memoranda: | ||
| Average total assets | $179,982,500 | 3,380 |
| Average earning assets | $167,070,000 | 3,331 |
| Average equity | $16,002,000 | 3,817 |
| Average total loans | $110,792,000 | 3,334 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8220% | 3,702 |
| Cost of funding earning assets | 1.0352% | 3,122 |
| Net interest margin | 3.7868% | 3,893 |
| Noninterest income to average assets | 0.8588% | 1,806 |
| Noninterest expense to average assets | 2.4517% | 5,631 |
| Loan and lease loss provision to assets | 0.2654% | 3,567 |
| Net operating income to assets | 1.1013% | 1,829 |
| Return on assets (ROA) | 1.1013% | 1,942 |
| Pretax return on assets | 1.6507% | 1,100 |
| Return on Equity (ROE) | 12.2519% | 1,343 |
| Retained earnings to average equity (ytd only) | 12.2519% | 280 |
| Net charge-offs to loans | 0.1975% | 4,563 |
| Credit loss provision to net charge-offs | 201.3699% | 1,233 |
| Earnings coverage of net charge-offs (x) | 14.5388% | 1,451 |
| Efficiency ratio | 56.1312% | 6,300 |
| Assets per employee ($millions) | 3.8572% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 4,358 |
| Loan loss allowance to noncurrent loans | 160.1602% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.9742% | 4,660 |
| Noncurrent loans to loans | 0.8889% | 4,913 |
| Net loans and leases to total assets | 63.8260% | 3,230 |
| Net loans and leases to deposits | 70.3367% | 4,043 |
| Net loans and leases to core deposits | 76.6812% | 3,880 |
| Total domestic deposits to total assets | 90.7435% | 604 |
| Equity capital to assets | 9.0762% | 5,451 |
| Core capital (leverage) ratio | 9.1726% | 4,505 |
| Tier 1 risk-based capital ratio | 13.4112% | 4,761 |
| Total risk-based capital ratio | 14.6617% | 4,730 |
| Memoranda: | ||
| Average total assets | $166,167,600 | 3,553 |
| Average earning assets | $153,981,200 | 3,510 |
| Average equity | $14,936,400 | 3,921 |
| Average total loans | $110,877,400 | 3,359 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8516% | 3,773 |
| Cost of funding earning assets | 1.0590% | 3,258 |
| Net interest margin | 3.7926% | 3,910 |
| Noninterest income to average assets | 0.9047% | 1,631 |
| Noninterest expense to average assets | 2.3726% | 5,841 |
| Loan and lease loss provision to assets | 0.2394% | 3,616 |
| Net operating income to assets | 1.2106% | 1,625 |
| Return on assets (ROA) | 1.2106% | 1,733 |
| Pretax return on assets | 1.8119% | 939 |
| Return on Equity (ROE) | 13.5031% | 1,156 |
| Retained earnings to average equity (ytd only) | 13.5031% | 331 |
| Net charge-offs to loans | 0.1677% | 4,450 |
| Credit loss provision to net charge-offs | 212.2302% | 1,365 |
| Earnings coverage of net charge-offs (x) | 18.1869% | 1,316 |
| Efficiency ratio | 53.6317% | 6,530 |
| Assets per employee ($millions) | 3.7939% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 4,642 |
| Loan loss allowance to noncurrent loans | 166.7391% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.9700% | 4,807 |
| Noncurrent loans to loans | 0.8268% | 5,218 |
| Net loans and leases to total assets | 64.2809% | 3,253 |
| Net loans and leases to deposits | 70.8609% | 4,158 |
| Net loans and leases to core deposits | 75.8134% | 4,213 |
| Total domestic deposits to total assets | 90.7143% | 548 |
| Equity capital to assets | 9.0573% | 5,680 |
| Core capital (leverage) ratio | 9.1454% | 4,720 |
| Tier 1 risk-based capital ratio | 13.2746% | 4,896 |
| Total risk-based capital ratio | 14.5251% | 4,871 |
| Memoranda: | ||
| Average total assets | $164,315,750 | 3,601 |
| Average earning assets | $152,467,500 | 3,561 |
| Average equity | $14,732,000 | 3,975 |
| Average total loans | $110,500,250 | 3,400 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8547% | 3,847 |
| Cost of funding earning assets | 1.0830% | 3,369 |
| Net interest margin | 3.7718% | 3,929 |
| Noninterest income to average assets | 0.8830% | 1,704 |
| Noninterest expense to average assets | 2.4035% | 5,831 |
| Loan and lease loss provision to assets | 0.2405% | 3,504 |
| Net operating income to assets | 1.1691% | 1,665 |
| Return on assets (ROA) | 1.1691% | 1,745 |
| Pretax return on assets | 1.7437% | 970 |
| Return on Equity (ROE) | 13.0864% | 1,179 |
| Retained earnings to average equity (ytd only) | 13.0864% | 383 |
| Net charge-offs to loans | 0.1850% | 4,051 |
| Credit loss provision to net charge-offs | 191.1765% | 1,579 |
| Earnings coverage of net charge-offs (x) | 15.7745% | 1,387 |
| Efficiency ratio | 54.7780% | 6,536 |
| Assets per employee ($millions) | 3.6010% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 4,938 |
| Loan loss allowance to noncurrent loans | 158.3423% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.9128% | 5,043 |
| Noncurrent loans to loans | 0.8383% | 5,255 |
| Net loans and leases to total assets | 66.0129% | 3,027 |
| Net loans and leases to deposits | 72.7056% | 3,998 |
| Net loans and leases to core deposits | 77.5984% | 4,103 |
| Total domestic deposits to total assets | 90.7948% | 592 |
| Equity capital to assets | 9.0139% | 5,560 |
| Core capital (leverage) ratio | 8.8971% | 4,886 |
| Tier 1 risk-based capital ratio | 12.9817% | 4,929 |
| Total risk-based capital ratio | 14.2312% | 4,914 |
| Memoranda: | ||
| Average total assets | $162,179,670 | 3,650 |
| Average earning assets | $150,699,000 | 3,618 |
| Average equity | $14,488,330 | 4,012 |
| Average total loans | $110,241,330 | 3,448 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8472% | 3,832 |
| Cost of funding earning assets | 1.0677% | 3,734 |
| Net interest margin | 3.7796% | 3,709 |
| Noninterest income to average assets | 0.9997% | 1,329 |
| Noninterest expense to average assets | 2.3534% | 6,041 |
| Loan and lease loss provision to assets | 0.1994% | 3,640 |
| Net operating income to assets | 1.3687% | 1,119 |
| Return on assets (ROA) | 1.3687% | 1,168 |
| Pretax return on assets | 1.9770% | 580 |
| Return on Equity (ROE) | 15.3922% | 760 |
| Retained earnings to average equity (ytd only) | 15.3922% | 360 |
| Net charge-offs to loans | 0.2328% | 3,145 |
| Credit loss provision to net charge-offs | 125.0000% | 2,194 |
| Earnings coverage of net charge-offs (x) | 13.6406% | 1,421 |
| Efficiency ratio | 51.9538% | 6,859 |
| Assets per employee ($millions) | 3.5867% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 5,291 |
| Loan loss allowance to noncurrent loans | 147.6190% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.9219% | 5,054 |
| Noncurrent loans to loans | 0.8607% | 5,321 |
| Net loans and leases to total assets | 65.6995% | 3,091 |
| Net loans and leases to deposits | 72.1747% | 4,049 |
| Net loans and leases to core deposits | 76.6116% | 4,222 |
| Total domestic deposits to total assets | 91.0285% | 617 |
| Equity capital to assets | 8.8115% | 5,471 |
| Core capital (leverage) ratio | 8.9410% | 4,706 |
| Tier 1 risk-based capital ratio | 12.6608% | 5,104 |
| Total risk-based capital ratio | 13.8902% | 5,104 |
| Memoranda: | ||
| Average total assets | $160,447,000 | 3,701 |
| Average earning assets | $149,858,500 | 3,643 |
| Average equity | $14,267,000 | 4,060 |
| Average total loans | $109,953,000 | 3,489 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4301% | 2,547 |
| Cost of funding earning assets | 1.0835% | 5,237 |
| Net interest margin | 4.3466% | 1,658 |
| Noninterest income to average assets | 0.9317% | 1,735 |
| Noninterest expense to average assets | 2.8213% | 4,519 |
| Loan and lease loss provision to assets | 0.1876% | 5,354 |
| Net operating income to assets | 1.2979% | 1,180 |
| Return on assets (ROA) | 1.2979% | 1,236 |
| Pretax return on assets | 1.9225% | 583 |
| Return on Equity (ROE) | 14.4232% | 810 |
| Retained earnings to average equity (ytd only) | 14.4232% | 147 |
| Net charge-offs to loans | 0.0208% | 6,605 |
| Credit loss provision to net charge-offs | 1,240.9091% | 183 |
| Earnings coverage of net charge-offs (x) | 139.5909% | 179 |
| Efficiency ratio | 57.2105% | 6,431 |
| Assets per employee ($millions) | 3.3171% | 5,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 5,253 |
| Loan loss allowance to noncurrent loans | 124.3682% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 1.0096% | 4,981 |
| Noncurrent loans to loans | 1.0062% | 5,052 |
| Net loans and leases to total assets | 69.7450% | 2,586 |
| Net loans and leases to deposits | 76.8659% | 3,714 |
| Net loans and leases to core deposits | 81.4880% | 3,980 |
| Total domestic deposits to total assets | 90.7360% | 726 |
| Equity capital to assets | 8.9773% | 5,174 |
| Core capital (leverage) ratio | 9.3293% | 3,962 |
| Tier 1 risk-based capital ratio | 12.3020% | 5,204 |
| Total risk-based capital ratio | 13.4772% | 5,241 |
| Memoranda: | ||
| Average total assets | $145,537,200 | 3,956 |
| Average earning assets | $133,920,200 | 3,930 |
| Average equity | $13,097,000 | 4,349 |
| Average total loans | $105,694,800 | 3,636 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4281% | 2,751 |
| Cost of funding earning assets | 1.0952% | 5,444 |
| Net interest margin | 4.3329% | 1,738 |
| Noninterest income to average assets | 0.9822% | 1,515 |
| Noninterest expense to average assets | 2.7665% | 4,614 |
| Loan and lease loss provision to assets | 0.1744% | 5,298 |
| Net operating income to assets | 1.3571% | 1,201 |
| Return on assets (ROA) | 1.3571% | 1,286 |
| Pretax return on assets | 2.0082% | 612 |
| Return on Equity (ROE) | 15.0708% | 845 |
| Retained earnings to average equity (ytd only) | 15.0708% | 206 |
| Net charge-offs to loans | 0.0548% | 5,971 |
| Credit loss provision to net charge-offs | 434.8837% | 692 |
| Earnings coverage of net charge-offs (x) | 54.4204% | 533 |
| Efficiency ratio | 55.8990% | 6,573 |
| Assets per employee ($millions) | 2.9329% | 6,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 5,627 |
| Loan loss allowance to noncurrent loans | 102.7508% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 1.1593% | 4,800 |
| Noncurrent loans to loans | 1.1390% | 4,959 |
| Net loans and leases to total assets | 74.6289% | 1,653 |
| Net loans and leases to deposits | 82.7010% | 2,969 |
| Net loans and leases to core deposits | 87.2902% | 3,477 |
| Total domestic deposits to total assets | 90.2394% | 757 |
| Equity capital to assets | 9.4996% | 4,845 |
| Core capital (leverage) ratio | 9.3392% | 4,149 |
| Tier 1 risk-based capital ratio | 12.3323% | 5,141 |
| Total risk-based capital ratio | 13.5026% | 5,187 |
| Memoranda: | ||
| Average total assets | $142,945,250 | 4,058 |
| Average earning assets | $130,871,250 | 4,048 |
| Average equity | $12,872,250 | 4,464 |
| Average total loans | $104,590,000 | 3,721 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4283% | 2,852 |
| Cost of funding earning assets | 1.1026% | 5,655 |
| Net interest margin | 4.3258% | 1,686 |
| Noninterest income to average assets | 0.7863% | 2,194 |
| Noninterest expense to average assets | 2.6267% | 5,218 |
| Loan and lease loss provision to assets | 0.2271% | 4,633 |
| Net operating income to assets | 1.2110% | 1,530 |
| Return on assets (ROA) | 1.2110% | 1,598 |
| Pretax return on assets | 1.8754% | 769 |
| Return on Equity (ROE) | 13.7009% | 1,098 |
| Retained earnings to average equity (ytd only) | 13.7009% | 325 |
| Net charge-offs to loans | 0.0968% | 5,176 |
| Credit loss provision to net charge-offs | 324.0000% | 1,130 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 922 |
| Efficiency ratio | 55.5424% | 6,696 |
| Assets per employee ($millions) | 2.9062% | 6,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 5,625 |
| Loan loss allowance to noncurrent loans | 133.0827% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 1.1116% | 4,914 |
| Noncurrent loans to loans | 0.8755% | 5,518 |
| Net loans and leases to total assets | 73.8003% | 1,950 |
| Net loans and leases to deposits | 81.4824% | 3,342 |
| Net loans and leases to core deposits | 86.0152% | 3,832 |
| Total domestic deposits to total assets | 90.5720% | 656 |
| Equity capital to assets | 9.1471% | 5,220 |
| Core capital (leverage) ratio | 8.9153% | 4,729 |
| Tier 1 risk-based capital ratio | 12.0028% | 5,305 |
| Total risk-based capital ratio | 13.1616% | 5,364 |
| Memoranda: | ||
| Average total assets | $142,690,000 | 4,079 |
| Average earning assets | $130,058,330 | 4,084 |
| Average equity | $12,612,330 | 4,522 |
| Average total loans | $103,280,000 | 3,796 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3290% | 3,398 |
| Cost of funding earning assets | 1.1016% | 5,901 |
| Net interest margin | 4.2274% | 1,941 |
| Noninterest income to average assets | 0.7589% | 2,245 |
| Noninterest expense to average assets | 2.7081% | 4,869 |
| Loan and lease loss provision to assets | 0.2016% | 4,482 |
| Net operating income to assets | 1.1622% | 1,645 |
| Return on assets (ROA) | 1.1622% | 1,722 |
| Pretax return on assets | 1.6859% | 1,087 |
| Return on Equity (ROE) | 13.3812% | 1,173 |
| Retained earnings to average equity (ytd only) | 13.3812% | 574 |
| Net charge-offs to loans | 0.0747% | 4,667 |
| Credit loss provision to net charge-offs | 378.9474% | 1,062 |
| Earnings coverage of net charge-offs (x) | 35.4737% | 770 |
| Efficiency ratio | 58.9275% | 6,351 |
| Assets per employee ($millions) | 3.0474% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 5,823 |
| Loan loss allowance to noncurrent loans | 105.8296% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 1.1339% | 4,894 |
| Noncurrent loans to loans | 1.0766% | 5,196 |
| Net loans and leases to total assets | 71.4846% | 2,570 |
| Net loans and leases to deposits | 78.6719% | 3,908 |
| Net loans and leases to core deposits | 83.3172% | 4,295 |
| Total domestic deposits to total assets | 90.8642% | 601 |
| Equity capital to assets | 8.7986% | 5,557 |
| Core capital (leverage) ratio | 8.6909% | 5,036 |
| Tier 1 risk-based capital ratio | 11.8074% | 5,389 |
| Total risk-based capital ratio | 12.9362% | 5,456 |
| Memoranda: | ||
| Average total assets | $142,832,000 | 4,142 |
| Average earning assets | $129,630,000 | 4,156 |
| Average equity | $12,405,500 | 4,614 |
| Average total loans | $101,752,500 | 3,896 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3978% | 4,710 |
| Cost of funding earning assets | 1.3549% | 6,125 |
| Net interest margin | 4.0429% | 2,684 |
| Noninterest income to average assets | 0.7478% | 2,691 |
| Noninterest expense to average assets | 2.8210% | 4,888 |
| Loan and lease loss provision to assets | 0.2827% | 5,158 |
| Net operating income to assets | 0.9382% | 2,058 |
| Return on assets (ROA) | 0.9382% | 2,116 |
| Pretax return on assets | 1.3447% | 1,573 |
| Return on Equity (ROE) | 11.3757% | 1,330 |
| Retained earnings to average equity (ytd only) | 11.3757% | 259 |
| Net charge-offs to loans | 0.2088% | 5,321 |
| Credit loss provision to net charge-offs | 200.5076% | 1,944 |
| Earnings coverage of net charge-offs (x) | 11.5431% | 1,582 |
| Efficiency ratio | 63.4170% | 5,889 |
| Assets per employee ($millions) | 3.0306% | 6,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 5,762 |
| Loan loss allowance to noncurrent loans | 116.5460% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 1.0363% | 5,032 |
| Noncurrent loans to loans | 0.9676% | 5,380 |
| Net loans and leases to total assets | 69.3729% | 3,399 |
| Net loans and leases to deposits | 76.0777% | 4,732 |
| Net loans and leases to core deposits | 99.2377% | 4,088 |
| Total domestic deposits to total assets | 91.1869% | 468 |
| Equity capital to assets | 8.5716% | 5,765 |
| Core capital (leverage) ratio | 8.6052% | 5,093 |
| Tier 1 risk-based capital ratio | 11.6097% | 5,287 |
| Total risk-based capital ratio | 12.7067% | 5,409 |
| Memoranda: | ||
| Average total assets | $139,738,000 | 4,130 |
| Average earning assets | $127,904,400 | 4,133 |
| Average equity | $11,524,600 | 4,870 |
| Average total loans | $94,336,000 | 4,098 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3416% | 5,214 |
| Cost of funding earning assets | 1.4111% | 6,180 |
| Net interest margin | 3.9306% | 3,119 |
| Noninterest income to average assets | 0.7373% | 2,780 |
| Noninterest expense to average assets | 2.5398% | 5,939 |
| Loan and lease loss provision to assets | 0.2541% | 4,918 |
| Net operating income to assets | 1.0566% | 1,878 |
| Return on assets (ROA) | 1.0566% | 1,939 |
| Pretax return on assets | 1.5676% | 1,246 |
| Return on Equity (ROE) | 12.9414% | 1,128 |
| Retained earnings to average equity (ytd only) | 12.9414% | 267 |
| Net charge-offs to loans | 0.1435% | 5,264 |
| Credit loss provision to net charge-offs | 265.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,319 |
| Efficiency ratio | 58.2326% | 6,688 |
| Assets per employee ($millions) | 2.9281% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 5,586 |
| Loan loss allowance to noncurrent loans | 83.0676% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.3479% | 4,395 |
| Noncurrent loans to loans | 1.3508% | 4,670 |
| Net loans and leases to total assets | 70.0499% | 3,504 |
| Net loans and leases to deposits | 76.9892% | 4,899 |
| Net loans and leases to core deposits | 102.3050% | 4,127 |
| Total domestic deposits to total assets | 90.9867% | 425 |
| Equity capital to assets | 8.6834% | 5,978 |
| Core capital (leverage) ratio | 8.3250% | 5,801 |
| Tier 1 risk-based capital ratio | 11.9397% | 5,026 |
| Total risk-based capital ratio | 13.0540% | 5,093 |
| Memoranda: | ||
| Average total assets | $139,063,500 | 4,159 |
| Average earning assets | $128,222,250 | 4,143 |
| Average equity | $11,353,500 | 4,965 |
| Average total loans | $92,935,250 | 4,173 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2857% | 5,721 |
| Cost of funding earning assets | 1.4751% | 6,241 |
| Net interest margin | 3.8106% | 3,513 |
| Noninterest income to average assets | 0.7395% | 2,762 |
| Noninterest expense to average assets | 2.4207% | 6,401 |
| Loan and lease loss provision to assets | 0.2938% | 4,216 |
| Net operating income to assets | 1.0219% | 2,031 |
| Return on assets (ROA) | 1.0219% | 2,119 |
| Pretax return on assets | 1.5350% | 1,364 |
| Return on Equity (ROE) | 12.7839% | 1,222 |
| Retained earnings to average equity (ytd only) | 12.7839% | 350 |
| Net charge-offs to loans | 0.1707% | 4,522 |
| Credit loss provision to net charge-offs | 262.8205% | 1,777 |
| Earnings coverage of net charge-offs (x) | 16.3590% | 1,534 |
| Efficiency ratio | 56.9646% | 6,999 |
| Assets per employee ($millions) | 2.9188% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 5,383 |
| Loan loss allowance to noncurrent loans | 175.4153% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 1.0514% | 4,865 |
| Noncurrent loans to loans | 0.6446% | 5,963 |
| Net loans and leases to total assets | 65.9017% | 4,578 |
| Net loans and leases to deposits | 72.1151% | 5,719 |
| Net loans and leases to core deposits | 95.7968% | 4,927 |
| Total domestic deposits to total assets | 91.3841% | 347 |
| Equity capital to assets | 8.2255% | 6,453 |
| Core capital (leverage) ratio | 8.0178% | 6,298 |
| Tier 1 risk-based capital ratio | 11.8020% | 5,097 |
| Total risk-based capital ratio | 12.9021% | 5,171 |
| Memoranda: | ||
| Average total assets | $139,545,000 | 4,180 |
| Average earning assets | $128,535,330 | 4,173 |
| Average equity | $11,154,670 | 5,041 |
| Average total loans | $91,415,000 | 4,245 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3545% | 5,637 |
| Cost of funding earning assets | 1.5638% | 6,184 |
| Net interest margin | 3.7907% | 3,487 |
| Noninterest income to average assets | 0.7295% | 2,709 |
| Noninterest expense to average assets | 2.4528% | 6,012 |
| Loan and lease loss provision to assets | 0.2872% | 3,660 |
| Net operating income to assets | 0.9823% | 2,390 |
| Return on assets (ROA) | 0.9823% | 2,520 |
| Pretax return on assets | 1.4706% | 1,753 |
| Return on Equity (ROE) | 12.4704% | 1,523 |
| Retained earnings to average equity (ytd only) | 12.4704% | 719 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2538% | 6,660 |
| Assets per employee ($millions) | 2.8850% | 6,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 5,295 |
| Loan loss allowance to noncurrent loans | 229.6875% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.9557% | 4,806 |
| Noncurrent loans to loans | 0.4896% | 6,205 |
| Net loans and leases to total assets | 64.0047% | 4,985 |
| Net loans and leases to deposits | 69.7753% | 5,999 |
| Net loans and leases to core deposits | 93.0672% | 5,250 |
| Total domestic deposits to total assets | 91.7298% | 220 |
| Equity capital to assets | 7.8953% | 6,960 |
| Core capital (leverage) ratio | 7.7792% | 6,776 |
| Tier 1 risk-based capital ratio | 11.5352% | 5,373 |
| Total risk-based capital ratio | 12.6184% | 5,438 |
| Memoranda: | ||
| Average total assets | $139,267,000 | 4,201 |
| Average earning assets | $127,893,500 | 4,195 |
| Average equity | $10,970,000 | 5,115 |
| Average total loans | $90,430,000 | 4,297 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2413% | 4,292 |
| Cost of funding earning assets | 2.4523% | 4,461 |
| Net interest margin | 3.7890% | 4,068 |
| Noninterest income to average assets | 0.7706% | 2,665 |
| Noninterest expense to average assets | 2.7133% | 5,207 |
| Loan and lease loss provision to assets | 0.2613% | 4,314 |
| Net operating income to assets | 0.8852% | 3,063 |
| Return on assets (ROA) | 0.8852% | 2,904 |
| Pretax return on assets | 1.2632% | 2,431 |
| Return on Equity (ROE) | 12.0168% | 1,591 |
| Retained earnings to average equity (ytd only) | 12.0168% | 224 |
| Net charge-offs to loans | 0.3131% | 3,298 |
| Credit loss provision to net charge-offs | 137.6923% | 3,868 |
| Earnings coverage of net charge-offs (x) | 8.0346% | 2,955 |
| Efficiency ratio | 64.0262% | 5,552 |
| Assets per employee ($millions) | 2.9185% | 6,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 5,717 |
| Loan loss allowance to noncurrent loans | 198.0810% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 1.0265% | 4,259 |
| Noncurrent loans to loans | 0.5249% | 5,779 |
| Net loans and leases to total assets | 64.4619% | 5,179 |
| Net loans and leases to deposits | 70.2774% | 6,243 |
| Net loans and leases to core deposits | 96.0243% | 5,256 |
| Total domestic deposits to total assets | 91.7249% | 176 |
| Equity capital to assets | 7.8581% | 7,034 |
| Core capital (leverage) ratio | 7.7278% | 6,884 |
| Tier 1 risk-based capital ratio | 11.3821% | 5,349 |
| Total risk-based capital ratio | 12.3782% | 5,495 |
| Memoranda: | ||
| Average total assets | $137,028,400 | 4,140 |
| Average earning assets | $125,390,600 | 4,144 |
| Average equity | $10,094,200 | 5,380 |
| Average total loans | $83,052,000 | 4,423 |