Home > Mechanics & Farmers Bank > Performance and Condition Ratios
Mechanics & Farmers 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 | 5.3415% | 2,428 |
| Cost of funding earning assets | 1.2848% | 3,625 |
| Net interest margin | 4.0567% | 1,175 |
| Noninterest income to average assets | 0.7000% | 1,050 |
| Noninterest expense to average assets | 3.3732% | 696 |
| Loan and lease loss provision to assets | 0.2500% | 446 |
| Net operating income to assets | 0.7107% | 3,082 |
| Return on assets (ROA) | 0.7107% | 3,092 |
| Pretax return on assets | 0.9081% | 2,948 |
| Return on Equity (ROE) | 5.6000% | 3,420 |
| Retained earnings to average equity (ytd only) | 2.5012% | 3,215 |
| Net charge-offs to loans | 0.1318% | 709 |
| Credit loss provision to net charge-offs | 303.1915% | 708 |
| Earnings coverage of net charge-offs (x) | 15.3404% | 1,540 |
| Efficiency ratio | 74.4643% | 1,391 |
| Assets per employee ($millions) | 5.8040% | 3,089 |
| Cash dividends to net income (ytd only)* | 55.3047% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 1,210 |
| Loan loss allowance to noncurrent loans | 251.5673% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 1,932 |
| Noncurrent loans to loans | 0.5677% | 1,723 |
| Net loans and leases to total assets | 56.5900% | 3,157 |
| Net loans and leases to deposits | 66.0311% | 3,133 |
| Net loans and leases to core deposits | 75.8671% | 2,961 |
| Total domestic deposits to total assets | 85.7100% | 2,405 |
| Equity capital to assets | 12.9357% | 939 |
| Core capital (leverage) ratio | 14.1051% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8641% | 373 |
| Memoranda: | ||
| Average total assets | $498,631,500 | 1,784 |
| Average earning assets | $471,029,000 | 1,761 |
| Average equity | $63,330,500 | 1,487 |
| Average total loans | $285,302,500 | 1,938 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5168% | 2,100 |
| Cost of funding earning assets | 1.2528% | 3,747 |
| Net interest margin | 4.2640% | 862 |
| Noninterest income to average assets | 0.9800% | 639 |
| Noninterest expense to average assets | 3.7584% | 453 |
| Loan and lease loss provision to assets | 0.1300% | 1,072 |
| Net operating income to assets | 0.8911% | 2,415 |
| Return on assets (ROA) | 0.8911% | 2,426 |
| Pretax return on assets | 1.1130% | 2,198 |
| Return on Equity (ROE) | 6.6700% | 3,109 |
| Retained earnings to average equity (ytd only) | 4.9211% | 2,268 |
| Net charge-offs to loans | 0.3186% | 464 |
| Credit loss provision to net charge-offs | 90.3628% | 2,029 |
| Earnings coverage of net charge-offs (x) | 6.4546% | 2,508 |
| Efficiency ratio | 75.1376% | 1,444 |
| Assets per employee ($millions) | 6.0746% | 2,823 |
| Cash dividends to net income (ytd only)* | 26.2074% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 1,379 |
| Loan loss allowance to noncurrent loans | 185.1922% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 1,588 |
| Noncurrent loans to loans | 0.7418% | 1,336 |
| Net loans and leases to total assets | 56.2400% | 3,252 |
| Net loans and leases to deposits | 65.1260% | 3,278 |
| Net loans and leases to core deposits | 74.9767% | 3,096 |
| Total domestic deposits to total assets | 86.3500% | 2,100 |
| Equity capital to assets | 12.4655% | 1,034 |
| Core capital (leverage) ratio | 14.0946% | 757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9994% | 376 |
| Memoranda: | ||
| Average total assets | $457,772,000 | 1,876 |
| Average earning assets | $431,845,200 | 1,847 |
| Average equity | $61,164,600 | 1,471 |
| Average total loans | $276,857,600 | 1,946 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5062% | 2,070 |
| Cost of funding earning assets | 1.1837% | 3,839 |
| Net interest margin | 4.3226% | 784 |
| Noninterest income to average assets | 0.9400% | 669 |
| Noninterest expense to average assets | 3.8151% | 418 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 0.8845% | 2,433 |
| Return on assets (ROA) | 0.8845% | 2,439 |
| Pretax return on assets | 1.1207% | 2,192 |
| Return on Equity (ROE) | 6.5000% | 3,183 |
| Retained earnings to average equity (ytd only) | 5.1991% | 2,383 |
| Net charge-offs to loans | 0.3257% | 400 |
| Credit loss provision to net charge-offs | 66.5179% | 1,946 |
| Earnings coverage of net charge-offs (x) | 6.0074% | 2,332 |
| Efficiency ratio | 76.0373% | 1,399 |
| Assets per employee ($millions) | 5.6770% | 3,135 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 1,591 |
| Loan loss allowance to noncurrent loans | 184.2311% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 1,605 |
| Noncurrent loans to loans | 0.7210% | 1,366 |
| Net loans and leases to total assets | 57.9100% | 3,105 |
| Net loans and leases to deposits | 67.9220% | 3,120 |
| Net loans and leases to core deposits | 76.0305% | 3,062 |
| Total domestic deposits to total assets | 85.2600% | 2,214 |
| Equity capital to assets | 13.3363% | 873 |
| Core capital (leverage) ratio | 14.7163% | 668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3481% | 365 |
| Memoranda: | ||
| Average total assets | $447,685,500 | 1,903 |
| Average earning assets | $422,177,750 | 1,875 |
| Average equity | $60,932,500 | 1,465 |
| Average total loans | $275,065,250 | 1,946 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4853% | 2,005 |
| Cost of funding earning assets | 1.0984% | 3,917 |
| Net interest margin | 4.3868% | 715 |
| Noninterest income to average assets | 0.9500% | 653 |
| Noninterest expense to average assets | 3.9219% | 390 |
| Loan and lease loss provision to assets | 0.1300% | 903 |
| Net operating income to assets | 0.8136% | 2,586 |
| Return on assets (ROA) | 0.8136% | 2,599 |
| Pretax return on assets | 1.0269% | 2,400 |
| Return on Equity (ROE) | 5.9300% | 3,306 |
| Retained earnings to average equity (ytd only) | 4.1945% | 2,648 |
| Net charge-offs to loans | 0.4318% | 284 |
| Credit loss provision to net charge-offs | 69.0476% | 1,722 |
| Earnings coverage of net charge-offs (x) | 4.3010% | 2,269 |
| Efficiency ratio | 77.1751% | 1,362 |
| Assets per employee ($millions) | 5.1206% | 3,530 |
| Cash dividends to net income (ytd only)* | 29.3123% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 1,452 |
| Loan loss allowance to noncurrent loans | 342.1763% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.2468% | 2,193 |
| Noncurrent loans to loans | 0.4024% | 1,984 |
| Net loans and leases to total assets | 60.4800% | 2,912 |
| Net loans and leases to deposits | 70.9543% | 2,915 |
| Net loans and leases to core deposits | 75.4210% | 3,076 |
| Total domestic deposits to total assets | 85.2400% | 2,247 |
| Equity capital to assets | 13.3703% | 790 |
| Core capital (leverage) ratio | 15.1592% | 600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8137% | 346 |
| Memoranda: | ||
| Average total assets | $436,067,000 | 1,941 |
| Average earning assets | $410,409,333 | 1,907 |
| Average equity | $59,792,333 | 1,473 |
| Average total loans | $272,353,667 | 1,957 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4312% | 1,945 |
| Cost of funding earning assets | 1.0051% | 3,981 |
| Net interest margin | 4.4261% | 641 |
| Noninterest income to average assets | 0.8400% | 755 |
| Noninterest expense to average assets | 3.9693% | 370 |
| Loan and lease loss provision to assets | 0.1600% | 649 |
| Net operating income to assets | 0.6791% | 2,907 |
| Return on assets (ROA) | 0.6791% | 2,926 |
| Pretax return on assets | 0.8638% | 2,770 |
| Return on Equity (ROE) | 4.8900% | 3,476 |
| Retained earnings to average equity (ytd only) | 4.3852% | 2,597 |
| Net charge-offs to loans | 0.9528% | 103 |
| Credit loss provision to net charge-offs | 30.5901% | 1,484 |
| Earnings coverage of net charge-offs (x) | 1.7112% | 2,035 |
| Efficiency ratio | 79.4288% | 1,244 |
| Assets per employee ($millions) | 5.0351% | 3,637 |
| Cash dividends to net income (ytd only)* | 10.3022% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 1,742 |
| Loan loss allowance to noncurrent loans | 484.2681% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 2,517 |
| Noncurrent loans to loans | 0.2691% | 2,347 |
| Net loans and leases to total assets | 62.6400% | 2,602 |
| Net loans and leases to deposits | 74.1720% | 2,590 |
| Net loans and leases to core deposits | 79.0909% | 2,790 |
| Total domestic deposits to total assets | 84.4500% | 2,585 |
| Equity capital to assets | 13.9232% | 684 |
| Core capital (leverage) ratio | 15.8395% | 502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8795% | 348 |
| Memoranda: | ||
| Average total assets | $428,795,000 | 1,960 |
| Average earning assets | $403,155,000 | 1,937 |
| Average equity | $59,564,500 | 1,469 |
| Average total loans | $270,353,500 | 1,963 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0326% | 2,011 |
| Cost of funding earning assets | 0.4809% | 4,211 |
| Net interest margin | 4.5518% | 563 |
| Noninterest income to average assets | 1.3800% | 430 |
| Noninterest expense to average assets | 3.7868% | 432 |
| Loan and lease loss provision to assets | 0.3000% | 363 |
| Net operating income to assets | 1.1794% | 1,698 |
| Return on assets (ROA) | 1.1794% | 1,672 |
| Pretax return on assets | 1.5126% | 1,388 |
| Return on Equity (ROE) | 9.0000% | 2,757 |
| Retained earnings to average equity (ytd only) | 8.9977% | 1,257 |
| Net charge-offs to loans | 0.0161% | 2,058 |
| Credit loss provision to net charge-offs | 2,856.0976% | 172 |
| Earnings coverage of net charge-offs (x) | 187.5366% | 613 |
| Efficiency ratio | 67.6416% | 2,149 |
| Assets per employee ($millions) | 4.8819% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 1,108 |
| Loan loss allowance to noncurrent loans | 443.9866% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 2,180 |
| Noncurrent loans to loans | 0.3337% | 1,986 |
| Net loans and leases to total assets | 61.7100% | 2,699 |
| Net loans and leases to deposits | 73.0323% | 2,694 |
| Net loans and leases to core deposits | 77.7758% | 2,854 |
| Total domestic deposits to total assets | 84.4900% | 2,472 |
| Equity capital to assets | 13.8592% | 708 |
| Core capital (leverage) ratio | 15.9595% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7774% | 345 |
| Memoranda: | ||
| Average total assets | $424,445,400 | 1,939 |
| Average earning assets | $393,431,000 | 1,934 |
| Average equity | $55,636,400 | 1,473 |
| Average total loans | $254,811,200 | 1,979 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9648% | 1,904 |
| Cost of funding earning assets | 0.3839% | 4,274 |
| Net interest margin | 4.5808% | 548 |
| Noninterest income to average assets | 1.2400% | 480 |
| Noninterest expense to average assets | 3.6931% | 453 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.2849% | 1,578 |
| Return on assets (ROA) | 1.2849% | 1,568 |
| Pretax return on assets | 1.6451% | 1,272 |
| Return on Equity (ROE) | 9.9500% | 2,651 |
| Retained earnings to average equity (ytd only) | 9.9472% | 1,421 |
| Net charge-offs to loans | 0.0149% | 1,865 |
| Credit loss provision to net charge-offs | 1,007.1429% | 399 |
| Earnings coverage of net charge-offs (x) | 201.6786% | 594 |
| Efficiency ratio | 67.4862% | 2,073 |
| Assets per employee ($millions) | 5.0795% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 2,295 |
| Loan loss allowance to noncurrent loans | 378.0073% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.1952% | 2,292 |
| Noncurrent loans to loans | 0.3211% | 2,081 |
| Net loans and leases to total assets | 60.0600% | 2,839 |
| Net loans and leases to deposits | 70.6700% | 2,796 |
| Net loans and leases to core deposits | 74.6760% | 2,951 |
| Total domestic deposits to total assets | 84.9900% | 2,499 |
| Equity capital to assets | 13.0649% | 801 |
| Core capital (leverage) ratio | 16.2036% | 468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3741% | 340 |
| Memoranda: | ||
| Average total assets | $423,155,500 | 1,943 |
| Average earning assets | $391,013,500 | 1,944 |
| Average equity | $54,660,500 | 1,487 |
| Average total loans | $251,243,500 | 1,994 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9114% | 1,741 |
| Cost of funding earning assets | 0.3360% | 4,264 |
| Net interest margin | 4.5755% | 557 |
| Noninterest income to average assets | 1.1000% | 492 |
| Noninterest expense to average assets | 3.5763% | 487 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.3383% | 1,477 |
| Return on assets (ROA) | 1.3383% | 1,460 |
| Pretax return on assets | 1.7112% | 1,187 |
| Return on Equity (ROE) | 10.4000% | 2,596 |
| Retained earnings to average equity (ytd only) | 10.3998% | 1,312 |
| Net charge-offs to loans | 0.0136% | 1,678 |
| Credit loss provision to net charge-offs | 135.2941% | 1,260 |
| Earnings coverage of net charge-offs (x) | 217.3529% | 562 |
| Efficiency ratio | 67.2168% | 2,078 |
| Assets per employee ($millions) | 5.0544% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 2,924 |
| Loan loss allowance to noncurrent loans | 304.5745% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 2,068 |
| Noncurrent loans to loans | 0.3640% | 1,836 |
| Net loans and leases to total assets | 60.8800% | 2,689 |
| Net loans and leases to deposits | 71.2676% | 2,696 |
| Net loans and leases to core deposits | 74.8938% | 2,838 |
| Total domestic deposits to total assets | 85.4300% | 2,414 |
| Equity capital to assets | 13.3109% | 748 |
| Core capital (leverage) ratio | 15.5475% | 524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8907% | 357 |
| Memoranda: | ||
| Average total assets | $423,675,667 | 1,938 |
| Average earning assets | $391,127,667 | 1,942 |
| Average equity | $54,520,333 | 1,494 |
| Average total loans | $249,551,000 | 2,001 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8117% | 1,595 |
| Cost of funding earning assets | 0.2966% | 4,206 |
| Net interest margin | 4.5151% | 577 |
| Noninterest income to average assets | 1.1200% | 484 |
| Noninterest expense to average assets | 3.4029% | 598 |
| Loan and lease loss provision to assets | -0.0600% | 4,531 |
| Net operating income to assets | 1.5164% | 1,155 |
| Return on assets (ROA) | 1.5164% | 1,135 |
| Pretax return on assets | 1.9420% | 861 |
| Return on Equity (ROE) | 11.9900% | 2,220 |
| Retained earnings to average equity (ytd only) | 11.9866% | 1,273 |
| Net charge-offs to loans | 0.0228% | 1,224 |
| Credit loss provision to net charge-offs | -557.1429% | 4,629 |
| Earnings coverage of net charge-offs (x) | 142.7857% | 627 |
| Efficiency ratio | 64.4369% | 2,399 |
| Assets per employee ($millions) | 5.2729% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 2,875 |
| Loan loss allowance to noncurrent loans | 320.7657% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 2,117 |
| Noncurrent loans to loans | 0.3540% | 1,878 |
| Net loans and leases to total assets | 57.0600% | 2,950 |
| Net loans and leases to deposits | 66.6535% | 2,878 |
| Net loans and leases to core deposits | 69.9510% | 2,961 |
| Total domestic deposits to total assets | 85.6100% | 2,698 |
| Equity capital to assets | 13.0522% | 748 |
| Core capital (leverage) ratio | 14.6919% | 628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6031% | 324 |
| Memoranda: | ||
| Average total assets | $425,757,500 | 1,953 |
| Average earning assets | $392,460,500 | 1,961 |
| Average equity | $53,860,000 | 1,519 |
| Average total loans | $245,189,500 | 2,046 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0125% | 1,682 |
| Cost of funding earning assets | 0.1230% | 4,269 |
| Net interest margin | 3.8895% | 974 |
| Noninterest income to average assets | 1.2700% | 417 |
| Noninterest expense to average assets | 3.2783% | 647 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.0814% | 2,254 |
| Return on assets (ROA) | 1.0814% | 2,198 |
| Pretax return on assets | 1.3784% | 1,828 |
| Return on Equity (ROE) | 9.3400% | 3,020 |
| Retained earnings to average equity (ytd only) | 8.8968% | 1,508 |
| Net charge-offs to loans | 0.0465% | 1,225 |
| Credit loss provision to net charge-offs | 647.2222% | 571 |
| Earnings coverage of net charge-offs (x) | 58.8148% | 1,269 |
| Efficiency ratio | 67.9143% | 1,976 |
| Assets per employee ($millions) | 5.5088% | 3,212 |
| Cash dividends to net income (ytd only)* | 4.7351% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 2,586 |
| Loan loss allowance to noncurrent loans | 323.5028% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 2,135 |
| Noncurrent loans to loans | 0.3584% | 1,860 |
| Net loans and leases to total assets | 56.8000% | 2,937 |
| Net loans and leases to deposits | 65.6990% | 2,910 |
| Net loans and leases to core deposits | 68.9037% | 2,948 |
| Total domestic deposits to total assets | 86.4500% | 2,587 |
| Equity capital to assets | 12.2560% | 862 |
| Core capital (leverage) ratio | 14.2041% | 695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3114% | 357 |
| Memoranda: | ||
| Average total assets | $410,124,200 | 1,989 |
| Average earning assets | $374,854,200 | 2,006 |
| Average equity | $47,489,000 | 1,688 |
| Average total loans | $232,152,000 | 2,042 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 1,920 |
| Cost of funding earning assets | 0.0992% | 4,291 |
| Net interest margin | 3.6428% | 1,289 |
| Noninterest income to average assets | 1.2800% | 447 |
| Noninterest expense to average assets | 3.2208% | 668 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 0.9598% | 2,622 |
| Return on assets (ROA) | 0.9598% | 2,598 |
| Pretax return on assets | 1.2243% | 2,275 |
| Return on Equity (ROE) | 8.4200% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.8129% | 2,075 |
| Net charge-offs to loans | 0.0560% | 924 |
| Credit loss provision to net charge-offs | 504.1667% | 603 |
| Earnings coverage of net charge-offs (x) | 43.8021% | 1,345 |
| Efficiency ratio | 69.9514% | 1,769 |
| Assets per employee ($millions) | 5.4968% | 3,223 |
| Cash dividends to net income (ytd only)* | 7.1992% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 2,724 |
| Loan loss allowance to noncurrent loans | 291.0284% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 2,199 |
| Noncurrent loans to loans | 0.3996% | 1,817 |
| Net loans and leases to total assets | 52.0600% | 3,270 |
| Net loans and leases to deposits | 59.6348% | 3,228 |
| Net loans and leases to core deposits | 62.6977% | 3,205 |
| Total domestic deposits to total assets | 87.2900% | 2,669 |
| Equity capital to assets | 11.6072% | 967 |
| Core capital (leverage) ratio | 13.5281% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2659% | 337 |
| Memoranda: | ||
| Average total assets | $405,234,000 | 2,024 |
| Average earning assets | $369,665,000 | 2,043 |
| Average equity | $46,195,750 | 1,746 |
| Average total loans | $228,462,750 | 2,062 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6061% | 1,827 |
| Cost of funding earning assets | 0.0762% | 4,413 |
| Net interest margin | 3.5299% | 1,234 |
| Noninterest income to average assets | 1.2928% | 431 |
| Noninterest expense to average assets | 3.2152% | 612 |
| Loan and lease loss provision to assets | 0.0688% | 1,383 |
| Net operating income to assets | 0.9617% | 2,305 |
| Return on assets (ROA) | 0.9617% | 2,284 |
| Pretax return on assets | 1.2175% | 2,015 |
| Return on Equity (ROE) | 8.4924% | 2,868 |
| Retained earnings to average equity (ytd only) | 7.5548% | 1,790 |
| Net charge-offs to loans | 0.0622% | 784 |
| Credit loss provision to net charge-offs | 191.5493% | 991 |
| Earnings coverage of net charge-offs (x) | 35.8310% | 1,312 |
| Efficiency ratio | 71.4254% | 1,782 |
| Assets per employee ($millions) | 5.7137% | 3,011 |
| Cash dividends to net income (ytd only)* | 11.0410% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 3,424 |
| Loan loss allowance to noncurrent loans | 249.1471% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 2,280 |
| Noncurrent loans to loans | 0.4172% | 1,865 |
| Net loans and leases to total assets | 49.2906% | 3,441 |
| Net loans and leases to deposits | 56.4644% | 3,345 |
| Net loans and leases to core deposits | 59.2920% | 3,322 |
| Total domestic deposits to total assets | 87.2951% | 2,829 |
| Equity capital to assets | 11.6891% | 966 |
| Core capital (leverage) ratio | 15.8141% | 396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3795% | 309 |
| Memoranda: | ||
| Average total assets | $395,562,667 | 2,069 |
| Average earning assets | $359,555,667 | 2,103 |
| Average equity | $44,793,000 | 1,838 |
| Average total loans | $228,379,000 | 2,060 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8186% | 1,055 |
| Cost of funding earning assets | 0.0804% | 4,352 |
| Net interest margin | 3.7382% | 699 |
| Noninterest income to average assets | 1.2098% | 481 |
| Noninterest expense to average assets | 3.4054% | 469 |
| Loan and lease loss provision to assets | -0.0109% | 4,423 |
| Net operating income to assets | 0.9444% | 2,092 |
| Return on assets (ROA) | 0.9444% | 2,082 |
| Pretax return on assets | 1.2033% | 1,802 |
| Return on Equity (ROE) | 8.5081% | 2,508 |
| Retained earnings to average equity (ytd only) | 7.4789% | 1,738 |
| Net charge-offs to loans | 0.1182% | 459 |
| Credit loss provision to net charge-offs | -14.7059% | 2,763 |
| Earnings coverage of net charge-offs (x) | 16.1176% | 1,340 |
| Efficiency ratio | 74.0653% | 1,736 |
| Assets per employee ($millions) | 4.9350% | 3,805 |
| Cash dividends to net income (ytd only)* | 12.0968% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 3,876 |
| Loan loss allowance to noncurrent loans | 227.8297% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 2,107 |
| Noncurrent loans to loans | 0.4216% | 1,976 |
| Net loans and leases to total assets | 61.1165% | 1,951 |
| Net loans and leases to deposits | 69.4067% | 2,020 |
| Net loans and leases to core deposits | 74.3791% | 1,910 |
| Total domestic deposits to total assets | 88.0556% | 2,496 |
| Equity capital to assets | 10.5902% | 1,550 |
| Core capital (leverage) ratio | 11.7500% | 1,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9265% | 650 |
| Memoranda: | ||
| Average total assets | $367,651,000 | 2,174 |
| Average earning assets | $333,208,000 | 2,217 |
| Average equity | $40,808,000 | 2,023 |
| Average total loans | $230,154,500 | 2,043 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7296% | 2,032 |
| Cost of funding earning assets | 0.1066% | 4,336 |
| Net interest margin | 3.6230% | 1,402 |
| Noninterest income to average assets | 1.1925% | 745 |
| Noninterest expense to average assets | 3.4262% | 525 |
| Loan and lease loss provision to assets | -0.1066% | 4,545 |
| Net operating income to assets | 0.8483% | 3,193 |
| Return on assets (ROA) | 0.8483% | 3,257 |
| Pretax return on assets | 1.0984% | 2,974 |
| Return on Equity (ROE) | 7.9165% | 3,245 |
| Retained earnings to average equity (ytd only) | 7.3564% | 1,779 |
| Net charge-offs to loans | 0.0132% | 2,068 |
| Credit loss provision to net charge-offs | -1,332.1429% | 3,980 |
| Earnings coverage of net charge-offs (x) | 123.9286% | 763 |
| Efficiency ratio | 77.5506% | 988 |
| Assets per employee ($millions) | 5.0024% | 3,725 |
| Cash dividends to net income (ytd only)* | 7.0755% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 3,828 |
| Loan loss allowance to noncurrent loans | 275.7282% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 2,429 |
| Noncurrent loans to loans | 0.3553% | 2,308 |
| Net loans and leases to total assets | 62.8833% | 1,840 |
| Net loans and leases to deposits | 72.3122% | 1,882 |
| Net loans and leases to core deposits | 77.5048% | 1,802 |
| Total domestic deposits to total assets | 86.9609% | 2,537 |
| Equity capital to assets | 11.6160% | 1,445 |
| Core capital (leverage) ratio | 11.8304% | 1,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9655% | 654 |
| Memoranda: | ||
| Average total assets | $349,861,400 | 2,198 |
| Average earning assets | $311,480,200 | 2,275 |
| Average equity | $37,491,200 | 2,178 |
| Average total loans | $212,661,400 | 2,153 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6398% | 2,453 |
| Cost of funding earning assets | 0.1155% | 4,385 |
| Net interest margin | 3.5242% | 1,798 |
| Noninterest income to average assets | 1.1875% | 805 |
| Noninterest expense to average assets | 3.3776% | 549 |
| Loan and lease loss provision to assets | -0.1136% | 4,632 |
| Net operating income to assets | 0.8238% | 3,460 |
| Return on assets (ROA) | 0.8238% | 3,531 |
| Pretax return on assets | 1.0496% | 3,325 |
| Return on Equity (ROE) | 7.8617% | 3,446 |
| Retained earnings to average equity (ytd only) | 7.3469% | 2,294 |
| Net charge-offs to loans | 0.0141% | 1,805 |
| Credit loss provision to net charge-offs | -1,340.9091% | 3,916 |
| Earnings coverage of net charge-offs (x) | 110.4091% | 817 |
| Efficiency ratio | 78.3028% | 852 |
| Assets per employee ($millions) | 5.3307% | 3,378 |
| Cash dividends to net income (ytd only)* | 6.5482% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 3,821 |
| Loan loss allowance to noncurrent loans | 286.9671% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 2,681 |
| Noncurrent loans to loans | 0.3505% | 2,524 |
| Net loans and leases to total assets | 62.1448% | 1,987 |
| Net loans and leases to deposits | 72.5760% | 1,998 |
| Net loans and leases to core deposits | 77.4912% | 1,923 |
| Total domestic deposits to total assets | 85.6273% | 2,902 |
| Equity capital to assets | 11.0767% | 1,957 |
| Core capital (leverage) ratio | 11.7644% | 1,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2052% | 674 |
| Memoranda: | ||
| Average total assets | $346,032,250 | 2,239 |
| Average earning assets | $306,934,750 | 2,324 |
| Average equity | $36,259,250 | 2,263 |
| Average total loans | $207,849,750 | 2,214 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4169% | 3,131 |
| Cost of funding earning assets | 0.1263% | 4,380 |
| Net interest margin | 3.2906% | 2,469 |
| Noninterest income to average assets | 1.1864% | 813 |
| Noninterest expense to average assets | 3.2956% | 618 |
| Loan and lease loss provision to assets | -0.1294% | 4,681 |
| Net operating income to assets | 0.7104% | 3,735 |
| Return on assets (ROA) | 0.7104% | 3,802 |
| Pretax return on assets | 0.9276% | 3,602 |
| Return on Equity (ROE) | 6.9255% | 3,676 |
| Retained earnings to average equity (ytd only) | 6.5205% | 2,617 |
| Net charge-offs to loans | 0.0161% | 1,627 |
| Credit loss provision to net charge-offs | -1,362.5000% | 3,745 |
| Earnings coverage of net charge-offs (x) | 84.0625% | 819 |
| Efficiency ratio | 80.5016% | 754 |
| Assets per employee ($millions) | 5.4300% | 3,209 |
| Cash dividends to net income (ytd only)* | 5.8480% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 3,463 |
| Loan loss allowance to noncurrent loans | 292.7971% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 2,764 |
| Noncurrent loans to loans | 0.3721% | 2,568 |
| Net loans and leases to total assets | 61.7850% | 2,202 |
| Net loans and leases to deposits | 70.8202% | 2,327 |
| Net loans and leases to core deposits | 75.7191% | 2,266 |
| Total domestic deposits to total assets | 87.2421% | 2,199 |
| Equity capital to assets | 11.3627% | 1,720 |
| Core capital (leverage) ratio | 11.8619% | 1,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2487% | 596 |
| Memoranda: | ||
| Average total assets | $336,992,667 | 2,271 |
| Average earning assets | $297,754,667 | 2,364 |
| Average equity | $34,568,000 | 2,332 |
| Average total loans | $199,049,667 | 2,282 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4272% | 3,123 |
| Cost of funding earning assets | 0.1312% | 4,450 |
| Net interest margin | 3.2960% | 2,406 |
| Noninterest income to average assets | 1.1719% | 887 |
| Noninterest expense to average assets | 3.3025% | 608 |
| Loan and lease loss provision to assets | -0.0956% | 4,713 |
| Net operating income to assets | 0.6816% | 3,756 |
| Return on assets (ROA) | 0.6816% | 3,818 |
| Pretax return on assets | 0.8593% | 3,696 |
| Return on Equity (ROE) | 7.0623% | 3,592 |
| Retained earnings to average equity (ytd only) | 7.0623% | 2,558 |
| Net charge-offs to loans | 0.0300% | 1,189 |
| Credit loss provision to net charge-offs | -557.1429% | 3,205 |
| Earnings coverage of net charge-offs (x) | 44.5000% | 943 |
| Efficiency ratio | 81.2180% | 742 |
| Assets per employee ($millions) | 5.2033% | 3,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 2,006 |
| Loan loss allowance to noncurrent loans | 301.5187% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 2,891 |
| Noncurrent loans to loans | 0.4608% | 2,470 |
| Net loans and leases to total assets | 53.3400% | 3,305 |
| Net loans and leases to deposits | 61.3238% | 3,384 |
| Net loans and leases to core deposits | 65.5031% | 3,280 |
| Total domestic deposits to total assets | 86.9808% | 2,317 |
| Equity capital to assets | 11.5530% | 1,508 |
| Core capital (leverage) ratio | 12.7720% | 898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7980% | 533 |
| Memoranda: | ||
| Average total assets | $326,297,500 | 2,309 |
| Average earning assets | $286,530,500 | 2,400 |
| Average equity | $31,491,000 | 2,466 |
| Average total loans | $186,641,500 | 2,382 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9146% | 2,986 |
| Cost of funding earning assets | 0.3702% | 3,766 |
| Net interest margin | 3.5444% | 2,327 |
| Noninterest income to average assets | 1.1271% | 840 |
| Noninterest expense to average assets | 3.5314% | 663 |
| Loan and lease loss provision to assets | 0.2420% | 1,607 |
| Net operating income to assets | 0.4097% | 4,227 |
| Return on assets (ROA) | 0.4165% | 4,291 |
| Pretax return on assets | 0.5326% | 4,211 |
| Return on Equity (ROE) | 5.3129% | 3,809 |
| Retained earnings to average equity (ytd only) | 4.2106% | 2,709 |
| Net charge-offs to loans | -0.0070% | 4,197 |
| Credit loss provision to net charge-offs | -5,384.6154% | 4,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1765% | 741 |
| Assets per employee ($millions) | 4.4168% | 3,999 |
| Cash dividends to net income (ytd only)* | 20.7469% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 1,865 |
| Loan loss allowance to noncurrent loans | 304.0956% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 2,876 |
| Noncurrent loans to loans | 0.4687% | 2,562 |
| Net loans and leases to total assets | 59.7877% | 2,888 |
| Net loans and leases to deposits | 65.9880% | 3,273 |
| Net loans and leases to core deposits | 70.7315% | 3,206 |
| Total domestic deposits to total assets | 90.6038% | 335 |
| Equity capital to assets | 7.5384% | 4,835 |
| Core capital (leverage) ratio | 7.7438% | 4,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2308% | 2,541 |
| Memoranda: | ||
| Average total assets | $289,314,600 | 2,346 |
| Average earning assets | $258,771,600 | 2,413 |
| Average equity | $22,680,800 | 2,962 |
| Average total loans | $185,093,000 | 2,371 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 3,033 |
| Cost of funding earning assets | 0.4275% | 3,653 |
| Net interest margin | 3.5511% | 2,420 |
| Noninterest income to average assets | 1.0681% | 913 |
| Noninterest expense to average assets | 3.5800% | 631 |
| Loan and lease loss provision to assets | 0.4596% | 686 |
| Net operating income to assets | 0.1854% | 4,612 |
| Return on assets (ROA) | 0.1904% | 4,651 |
| Pretax return on assets | 0.2321% | 4,621 |
| Return on Equity (ROE) | 2.4033% | 4,492 |
| Retained earnings to average equity (ytd only) | 2.4033% | 3,783 |
| Net charge-offs to loans | -0.0108% | 4,244 |
| Credit loss provision to net charge-offs | -6,533.3333% | 4,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9288% | 605 |
| Assets per employee ($millions) | 4.6537% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 1,208 |
| Loan loss allowance to noncurrent loans | 330.1676% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 3,032 |
| Noncurrent loans to loans | 0.4718% | 2,639 |
| Net loans and leases to total assets | 59.0095% | 3,322 |
| Net loans and leases to deposits | 64.7623% | 3,730 |
| Net loans and leases to core deposits | 69.1414% | 3,689 |
| Total domestic deposits to total assets | 91.1171% | 152 |
| Equity capital to assets | 7.2849% | 4,910 |
| Core capital (leverage) ratio | 7.4647% | 4,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4643% | 2,434 |
| Memoranda: | ||
| Average total assets | $284,348,500 | 2,352 |
| Average earning assets | $256,030,250 | 2,405 |
| Average equity | $22,524,250 | 2,975 |
| Average total loans | $184,485,250 | 2,376 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 2,796 |
| Cost of funding earning assets | 0.5025% | 3,519 |
| Net interest margin | 3.6877% | 2,215 |
| Noninterest income to average assets | 0.9889% | 1,009 |
| Noninterest expense to average assets | 3.7325% | 549 |
| Loan and lease loss provision to assets | 0.5335% | 645 |
| Net operating income to assets | 0.0336% | 4,746 |
| Return on assets (ROA) | 0.0336% | 4,772 |
| Pretax return on assets | 0.0482% | 4,759 |
| Return on Equity (ROE) | 0.4117% | 4,758 |
| Retained earnings to average equity (ytd only) | 0.4117% | 4,228 |
| Net charge-offs to loans | -0.0164% | 4,350 |
| Credit loss provision to net charge-offs | -4,866.6667% | 4,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5153% | 518 |
| Assets per employee ($millions) | 4.1614% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 1,414 |
| Loan loss allowance to noncurrent loans | 265.1961% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 2,892 |
| Noncurrent loans to loans | 0.5462% | 2,534 |
| Net loans and leases to total assets | 63.1743% | 2,984 |
| Net loans and leases to deposits | 69.8235% | 3,436 |
| Net loans and leases to core deposits | 74.9173% | 3,376 |
| Total domestic deposits to total assets | 90.4771% | 279 |
| Equity capital to assets | 7.8428% | 4,790 |
| Core capital (leverage) ratio | 7.9789% | 4,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8092% | 2,685 |
| Memoranda: | ||
| Average total assets | $273,648,333 | 2,389 |
| Average earning assets | $246,768,333 | 2,443 |
| Average equity | $22,348,000 | 2,976 |
| Average total loans | $182,750,333 | 2,377 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 2,713 |
| Cost of funding earning assets | 0.5722% | 3,581 |
| Net interest margin | 3.7992% | 1,975 |
| Noninterest income to average assets | 0.8836% | 1,099 |
| Noninterest expense to average assets | 4.0132% | 501 |
| Loan and lease loss provision to assets | 0.1631% | 1,783 |
| Net operating income to assets | 0.1012% | 4,657 |
| Return on assets (ROA) | 0.1012% | 4,650 |
| Pretax return on assets | 0.1269% | 4,638 |
| Return on Equity (ROE) | 1.2127% | 4,595 |
| Retained earnings to average equity (ytd only) | 1.2127% | 3,690 |
| Net charge-offs to loans | -0.1062% | 4,829 |
| Credit loss provision to net charge-offs | -225.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2608% | 393 |
| Assets per employee ($millions) | 3.7236% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 2,798 |
| Loan loss allowance to noncurrent loans | 225.8271% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.3544% | 3,018 |
| Noncurrent loans to loans | 0.5208% | 2,702 |
| Net loans and leases to total assets | 67.2572% | 2,657 |
| Net loans and leases to deposits | 75.1979% | 3,151 |
| Net loans and leases to core deposits | 83.3326% | 2,905 |
| Total domestic deposits to total assets | 89.4403% | 493 |
| Equity capital to assets | 8.5194% | 4,820 |
| Core capital (leverage) ratio | 8.1679% | 4,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5046% | 2,927 |
| Memoranda: | ||
| Average total assets | $264,823,000 | 2,396 |
| Average earning assets | $238,367,000 | 2,454 |
| Average equity | $22,099,000 | 2,990 |
| Average total loans | $180,760,000 | 2,352 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3158% | 3,493 |
| Cost of funding earning assets | 0.6883% | 3,221 |
| Net interest margin | 3.6275% | 3,050 |
| Noninterest income to average assets | 0.8245% | 1,371 |
| Noninterest expense to average assets | 3.6496% | 805 |
| Loan and lease loss provision to assets | -0.0716% | 5,040 |
| Net operating income to assets | 0.4342% | 4,534 |
| Return on assets (ROA) | 0.4342% | 4,566 |
| Pretax return on assets | 0.5634% | 4,471 |
| Return on Equity (ROE) | 5.5208% | 4,059 |
| Retained earnings to average equity (ytd only) | 3.7287% | 3,122 |
| Net charge-offs to loans | -0.0397% | 4,777 |
| Credit loss provision to net charge-offs | 270.0000% | 1,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1244% | 429 |
| Assets per employee ($millions) | 3.9011% | 4,030 |
| Cash dividends to net income (ytd only)* | 32.4607% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 3,062 |
| Loan loss allowance to noncurrent loans | 205.8824% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 2,965 |
| Noncurrent loans to loans | 0.5242% | 2,614 |
| Net loans and leases to total assets | 67.7167% | 2,720 |
| Net loans and leases to deposits | 75.3859% | 3,231 |
| Net loans and leases to core deposits | 83.5861% | 2,992 |
| Total domestic deposits to total assets | 89.8267% | 382 |
| Equity capital to assets | 8.1708% | 5,020 |
| Core capital (leverage) ratio | 8.2478% | 4,961 |
| Tier 1 risk-based capital ratio | 11.2333% | 4,763 |
| Total risk-based capital ratio | 12.2575% | 4,761 |
| Memoranda: | ||
| Average total assets | $263,922,000 | 2,372 |
| Average earning assets | $241,325,200 | 2,400 |
| Average equity | $20,757,800 | 3,059 |
| Average total loans | $176,392,000 | 2,358 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 3,730 |
| Cost of funding earning assets | 0.7018% | 3,217 |
| Net interest margin | 3.5749% | 3,314 |
| Noninterest income to average assets | 0.7845% | 1,469 |
| Noninterest expense to average assets | 3.7300% | 720 |
| Loan and lease loss provision to assets | -0.1174% | 5,176 |
| Net operating income to assets | 0.3723% | 4,765 |
| Return on assets (ROA) | 0.3723% | 4,788 |
| Pretax return on assets | 0.4573% | 4,747 |
| Return on Equity (ROE) | 4.7802% | 4,392 |
| Retained earnings to average equity (ytd only) | 3.9684% | 3,413 |
| Net charge-offs to loans | -0.0411% | 4,787 |
| Credit loss provision to net charge-offs | 429.6296% | 714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6480% | 280 |
| Assets per employee ($millions) | 4.1752% | 3,655 |
| Cash dividends to net income (ytd only)* | 16.9834% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 3,108 |
| Loan loss allowance to noncurrent loans | 202.2340% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3518% | 3,098 |
| Noncurrent loans to loans | 0.5363% | 2,678 |
| Net loans and leases to total assets | 64.8765% | 3,198 |
| Net loans and leases to deposits | 72.1016% | 3,607 |
| Net loans and leases to core deposits | 79.8356% | 3,400 |
| Total domestic deposits to total assets | 89.9792% | 290 |
| Equity capital to assets | 8.0288% | 5,121 |
| Core capital (leverage) ratio | 8.1556% | 5,073 |
| Tier 1 risk-based capital ratio | 11.2817% | 4,770 |
| Total risk-based capital ratio | 12.3096% | 4,773 |
| Memoranda: | ||
| Average total assets | $263,584,250 | 2,389 |
| Average earning assets | $242,238,750 | 2,404 |
| Average equity | $20,528,500 | 3,110 |
| Average total loans | $175,091,500 | 2,393 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2830% | 3,681 |
| Cost of funding earning assets | 0.7022% | 3,163 |
| Net interest margin | 3.5808% | 3,331 |
| Noninterest income to average assets | 0.7646% | 1,462 |
| Noninterest expense to average assets | 3.7740% | 684 |
| Loan and lease loss provision to assets | -0.0534% | 5,180 |
| Net operating income to assets | 0.2828% | 4,897 |
| Return on assets (ROA) | 0.2828% | 4,907 |
| Pretax return on assets | 0.3362% | 4,903 |
| Return on Equity (ROE) | 3.6696% | 4,656 |
| Retained earnings to average equity (ytd only) | 2.4332% | 3,967 |
| Net charge-offs to loans | -0.0640% | 4,894 |
| Credit loss provision to net charge-offs | 125.0000% | 1,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0289% | 255 |
| Assets per employee ($millions) | 3.7474% | 4,183 |
| Cash dividends to net income (ytd only)* | 33.6927% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 2,627 |
| Loan loss allowance to noncurrent loans | 214.2116% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3675% | 3,053 |
| Noncurrent loans to loans | 0.5506% | 2,617 |
| Net loans and leases to total assets | 65.9593% | 3,113 |
| Net loans and leases to deposits | 73.3245% | 3,569 |
| Net loans and leases to core deposits | 82.2138% | 3,253 |
| Total domestic deposits to total assets | 89.9553% | 345 |
| Equity capital to assets | 7.9777% | 5,178 |
| Core capital (leverage) ratio | 7.9634% | 5,176 |
| Tier 1 risk-based capital ratio | 11.0791% | 4,874 |
| Total risk-based capital ratio | 12.1830% | 4,854 |
| Memoranda: | ||
| Average total assets | $262,374,330 | 2,403 |
| Average earning assets | $241,232,670 | 2,424 |
| Average equity | $20,220,000 | 3,128 |
| Average total loans | $175,035,330 | 2,403 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3032% | 3,542 |
| Cost of funding earning assets | 0.6967% | 3,073 |
| Net interest margin | 3.6065% | 3,233 |
| Noninterest income to average assets | 0.7073% | 1,584 |
| Noninterest expense to average assets | 3.7103% | 745 |
| Loan and lease loss provision to assets | -0.0534% | 5,263 |
| Net operating income to assets | 0.3125% | 4,879 |
| Return on assets (ROA) | 0.3125% | 4,888 |
| Pretax return on assets | 0.3643% | 4,883 |
| Return on Equity (ROE) | 4.1276% | 4,548 |
| Retained earnings to average equity (ytd only) | 1.6108% | 4,167 |
| Net charge-offs to loans | 0.0114% | 2,279 |
| Credit loss provision to net charge-offs | -700.0000% | 3,872 |
| Earnings coverage of net charge-offs (x) | 40.8000% | 1,141 |
| Efficiency ratio | 92.2669% | 318 |
| Assets per employee ($millions) | 3.9388% | 4,012 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 2,787 |
| Loan loss allowance to noncurrent loans | 166.9943% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.4559% | 2,774 |
| Noncurrent loans to loans | 0.6955% | 2,280 |
| Net loans and leases to total assets | 64.7894% | 3,194 |
| Net loans and leases to deposits | 71.6113% | 3,632 |
| Net loans and leases to core deposits | 80.6587% | 3,305 |
| Total domestic deposits to total assets | 90.4737% | 297 |
| Equity capital to assets | 7.5538% | 5,258 |
| Core capital (leverage) ratio | 7.7340% | 5,253 |
| Tier 1 risk-based capital ratio | 10.9596% | 4,996 |
| Total risk-based capital ratio | 12.0459% | 4,969 |
| Memoranda: | ||
| Average total assets | $262,402,500 | 2,423 |
| Average earning assets | $241,122,000 | 2,441 |
| Average equity | $19,866,500 | 3,168 |
| Average total loans | $175,009,000 | 2,420 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0119% | 3,997 |
| Cost of funding earning assets | 0.5266% | 3,200 |
| Net interest margin | 3.4854% | 3,751 |
| Noninterest income to average assets | 0.8772% | 1,239 |
| Noninterest expense to average assets | 3.7791% | 707 |
| Loan and lease loss provision to assets | 0.0101% | 3,923 |
| Net operating income to assets | 0.2328% | 5,078 |
| Return on assets (ROA) | 0.2328% | 5,076 |
| Pretax return on assets | 0.2889% | 5,056 |
| Return on Equity (ROE) | 3.1726% | 4,872 |
| Retained earnings to average equity (ytd only) | 3.1726% | 3,811 |
| Net charge-offs to loans | -0.1024% | 5,156 |
| Credit loss provision to net charge-offs | -15.4762% | 4,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6676% | 267 |
| Assets per employee ($millions) | 3.8353% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 2,618 |
| Loan loss allowance to noncurrent loans | 160.4167% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 2,572 |
| Noncurrent loans to loans | 0.7429% | 2,140 |
| Net loans and leases to total assets | 67.0784% | 2,990 |
| Net loans and leases to deposits | 73.9275% | 3,509 |
| Net loans and leases to core deposits | 84.3851% | 3,045 |
| Total domestic deposits to total assets | 90.7354% | 263 |
| Equity capital to assets | 7.5889% | 5,268 |
| Core capital (leverage) ratio | 7.9066% | 5,267 |
| Tier 1 risk-based capital ratio | 10.9620% | 4,997 |
| Total risk-based capital ratio | 12.0748% | 4,943 |
| Memoranda: | ||
| Average total assets | $256,831,400 | 2,429 |
| Average earning assets | $235,871,200 | 2,444 |
| Average equity | $18,849,000 | 3,196 |
| Average total loans | $164,127,600 | 2,487 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9721% | 4,015 |
| Cost of funding earning assets | 0.4850% | 3,294 |
| Net interest margin | 3.4871% | 3,740 |
| Noninterest income to average assets | 0.8484% | 1,334 |
| Noninterest expense to average assets | 3.7798% | 684 |
| Loan and lease loss provision to assets | 0.0078% | 3,821 |
| Net operating income to assets | 0.2295% | 5,177 |
| Return on assets (ROA) | 0.2295% | 5,173 |
| Pretax return on assets | 0.2638% | 5,168 |
| Return on Equity (ROE) | 3.1538% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.1538% | 4,168 |
| Net charge-offs to loans | -0.1453% | 5,245 |
| Credit loss provision to net charge-offs | -8.5227% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2974% | 253 |
| Assets per employee ($millions) | 3.7436% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,463 |
| Loan loss allowance to noncurrent loans | 162.9513% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 2,748 |
| Noncurrent loans to loans | 0.7536% | 2,203 |
| Net loans and leases to total assets | 63.7188% | 3,461 |
| Net loans and leases to deposits | 69.9017% | 3,923 |
| Net loans and leases to core deposits | 79.2575% | 3,552 |
| Total domestic deposits to total assets | 91.1547% | 190 |
| Equity capital to assets | 7.1647% | 5,364 |
| Core capital (leverage) ratio | 7.8145% | 5,353 |
| Tier 1 risk-based capital ratio | 10.9939% | 5,040 |
| Total risk-based capital ratio | 12.1198% | 4,999 |
| Memoranda: | ||
| Average total assets | $256,797,250 | 2,444 |
| Average earning assets | $235,874,000 | 2,461 |
| Average equity | $18,686,000 | 3,237 |
| Average total loans | $161,547,250 | 2,521 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9201% | 4,017 |
| Cost of funding earning assets | 0.4502% | 3,359 |
| Net interest margin | 3.4699% | 3,733 |
| Noninterest income to average assets | 0.9034% | 1,170 |
| Noninterest expense to average assets | 3.6950% | 762 |
| Loan and lease loss provision to assets | 0.8893% | 94 |
| Net operating income to assets | -0.3419% | 5,420 |
| Return on assets (ROA) | -0.3419% | 5,415 |
| Pretax return on assets | -0.4956% | 5,435 |
| Return on Equity (ROE) | -4.6740% | 5,434 |
| Retained earnings to average equity (ytd only) | -4.6740% | 5,277 |
| Net charge-offs to loans | 1.2663% | 98 |
| Credit loss provision to net charge-offs | 112.6117% | 1,864 |
| Earnings coverage of net charge-offs (x) | 0.4985% | 3,123 |
| Efficiency ratio | 90.3721% | 359 |
| Assets per employee ($millions) | 3.7608% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,590 |
| Loan loss allowance to noncurrent loans | 121.4976% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.6475% | 2,286 |
| Noncurrent loans to loans | 1.0064% | 1,740 |
| Net loans and leases to total assets | 63.5572% | 3,447 |
| Net loans and leases to deposits | 69.6795% | 3,887 |
| Net loans and leases to core deposits | 79.7803% | 3,437 |
| Total domestic deposits to total assets | 91.2136% | 200 |
| Equity capital to assets | 7.1007% | 5,436 |
| Core capital (leverage) ratio | 7.4618% | 5,444 |
| Tier 1 risk-based capital ratio | 10.6359% | 5,215 |
| Total risk-based capital ratio | 11.7519% | 5,166 |
| Memoranda: | ||
| Average total assets | $255,046,330 | 2,468 |
| Average earning assets | $234,126,670 | 2,482 |
| Average equity | $18,656,330 | 3,257 |
| Average total loans | $159,046,000 | 2,556 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7781% | 4,281 |
| Cost of funding earning assets | 0.4261% | 3,397 |
| Net interest margin | 3.3520% | 4,045 |
| Noninterest income to average assets | 0.7413% | 1,654 |
| Noninterest expense to average assets | 3.7157% | 742 |
| Loan and lease loss provision to assets | 1.6757% | 43 |
| Net operating income to assets | -1.1150% | 5,541 |
| Return on assets (ROA) | -1.1150% | 5,539 |
| Pretax return on assets | -1.5736% | 5,554 |
| Return on Equity (ROE) | -15.0225% | 5,563 |
| Retained earnings to average equity (ytd only) | -15.0225% | 5,458 |
| Net charge-offs to loans | 2.5746% | 41 |
| Credit loss provision to net charge-offs | 106.0636% | 1,490 |
| Earnings coverage of net charge-offs (x) | 0.0646% | 2,655 |
| Efficiency ratio | 97.3262% | 221 |
| Assets per employee ($millions) | 3.9174% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 2,664 |
| Loan loss allowance to noncurrent loans | 115.6956% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6606% | 2,342 |
| Noncurrent loans to loans | 1.0577% | 1,736 |
| Net loans and leases to total assets | 61.6888% | 3,584 |
| Net loans and leases to deposits | 67.6237% | 3,975 |
| Net loans and leases to core deposits | 101.3322% | 1,584 |
| Total domestic deposits to total assets | 91.2237% | 249 |
| Equity capital to assets | 7.1277% | 5,497 |
| Core capital (leverage) ratio | 7.3087% | 5,525 |
| Tier 1 risk-based capital ratio | 10.5138% | 5,348 |
| Total risk-based capital ratio | 11.6145% | 5,318 |
| Memoranda: | ||
| Average total assets | $254,702,000 | 2,485 |
| Average earning assets | $233,770,500 | 2,503 |
| Average equity | $18,905,000 | 3,257 |
| Average total loans | $156,294,000 | 2,610 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6773% | 4,392 |
| Cost of funding earning assets | 0.3420% | 3,780 |
| Net interest margin | 3.3353% | 4,055 |
| Noninterest income to average assets | 0.7268% | 1,857 |
| Noninterest expense to average assets | 3.6120% | 887 |
| Loan and lease loss provision to assets | 0.4463% | 308 |
| Net operating income to assets | -0.9406% | 5,578 |
| Return on assets (ROA) | -0.9406% | 5,579 |
| Pretax return on assets | -0.2988% | 5,517 |
| Return on Equity (ROE) | -11.5173% | 5,603 |
| Retained earnings to average equity (ytd only) | -11.5173% | 5,556 |
| Net charge-offs to loans | 1.1045% | 154 |
| Credit loss provision to net charge-offs | 68.7610% | 3,103 |
| Earnings coverage of net charge-offs (x) | 0.2272% | 4,004 |
| Efficiency ratio | 96.0766% | 249 |
| Assets per employee ($millions) | 3.9809% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 2,618 |
| Loan loss allowance to noncurrent loans | 75.3096% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.0233% | 1,496 |
| Noncurrent loans to loans | 1.6299% | 1,015 |
| Net loans and leases to total assets | 59.5347% | 3,871 |
| Net loans and leases to deposits | 65.7526% | 4,209 |
| Net loans and leases to core deposits | 98.6363% | 1,816 |
| Total domestic deposits to total assets | 90.5435% | 382 |
| Equity capital to assets | 7.7170% | 5,479 |
| Core capital (leverage) ratio | 7.6596% | 5,527 |
| Tier 1 risk-based capital ratio | 11.0069% | 5,143 |
| Total risk-based capital ratio | 12.1021% | 5,122 |
| Memoranda: | ||
| Average total assets | $262,373,200 | 2,392 |
| Average earning assets | $238,569,000 | 2,437 |
| Average equity | $21,428,600 | 3,004 |
| Average total loans | $154,190,000 | 2,608 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6571% | 4,430 |
| Cost of funding earning assets | 0.3260% | 3,882 |
| Net interest margin | 3.3311% | 4,074 |
| Noninterest income to average assets | 0.7608% | 1,732 |
| Noninterest expense to average assets | 3.5710% | 900 |
| Loan and lease loss provision to assets | 0.3163% | 488 |
| Net operating income to assets | -0.0353% | 5,525 |
| Return on assets (ROA) | -0.0353% | 5,531 |
| Pretax return on assets | -0.1054% | 5,545 |
| Return on Equity (ROE) | -0.4267% | 5,535 |
| Retained earnings to average equity (ytd only) | -0.4267% | 5,277 |
| Net charge-offs to loans | 0.1348% | 1,447 |
| Credit loss provision to net charge-offs | 401.9231% | 764 |
| Earnings coverage of net charge-offs (x) | 2.6796% | 3,434 |
| Efficiency ratio | 94.4237% | 278 |
| Assets per employee ($millions) | 4.1244% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8613% | 762 |
| Loan loss allowance to noncurrent loans | 71.7159% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.5596% | 959 |
| Noncurrent loans to loans | 2.5954% | 564 |
| Net loans and leases to total assets | 56.8003% | 4,171 |
| Net loans and leases to deposits | 63.0034% | 4,445 |
| Net loans and leases to core deposits | 92.2280% | 2,416 |
| Total domestic deposits to total assets | 90.1542% | 422 |
| Equity capital to assets | 8.2015% | 5,438 |
| Core capital (leverage) ratio | 7.9380% | 5,531 |
| Tier 1 risk-based capital ratio | 11.4435% | 4,990 |
| Total risk-based capital ratio | 12.7021% | 4,879 |
| Memoranda: | ||
| Average total assets | $264,272,500 | 2,397 |
| Average earning assets | $239,676,250 | 2,443 |
| Average equity | $21,870,500 | 2,987 |
| Average total loans | $154,346,250 | 2,625 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6413% | 4,391 |
| Cost of funding earning assets | 0.3159% | 3,922 |
| Net interest margin | 3.3253% | 4,034 |
| Noninterest income to average assets | 0.6494% | 2,205 |
| Noninterest expense to average assets | 3.5665% | 912 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0555% | 5,523 |
| Return on assets (ROA) | 0.0555% | 5,528 |
| Pretax return on assets | 0.1004% | 5,511 |
| Return on Equity (ROE) | 0.6688% | 5,507 |
| Retained earnings to average equity (ytd only) | 0.6688% | 4,930 |
| Net charge-offs to loans | 0.0935% | 1,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1.8333% | 3,240 |
| Efficiency ratio | 97.2625% | 226 |
| Assets per employee ($millions) | 4.1425% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 1,554 |
| Loan loss allowance to noncurrent loans | 117.5439% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.7525% | 2,317 |
| Noncurrent loans to loans | 1.2813% | 1,503 |
| Net loans and leases to total assets | 57.8428% | 4,055 |
| Net loans and leases to deposits | 64.3533% | 4,348 |
| Net loans and leases to core deposits | 100.8901% | 1,590 |
| Total domestic deposits to total assets | 89.8831% | 573 |
| Equity capital to assets | 8.3037% | 5,408 |
| Core capital (leverage) ratio | 7.9159% | 5,561 |
| Tier 1 risk-based capital ratio | 11.6475% | 4,865 |
| Total risk-based capital ratio | 12.9028% | 4,748 |
| Memoranda: | ||
| Average total assets | $263,001,670 | 2,418 |
| Average earning assets | $238,654,000 | 2,462 |
| Average equity | $21,831,670 | 2,994 |
| Average total loans | $154,074,670 | 2,639 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 4,293 |
| Cost of funding earning assets | 0.3014% | 4,029 |
| Net interest margin | 3.3446% | 3,863 |
| Noninterest income to average assets | 0.6521% | 2,167 |
| Noninterest expense to average assets | 3.5962% | 898 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0626% | 5,552 |
| Return on assets (ROA) | 0.0626% | 5,559 |
| Pretax return on assets | 0.0886% | 5,528 |
| Return on Equity (ROE) | 0.7544% | 5,531 |
| Retained earnings to average equity (ytd only) | 0.7544% | 4,730 |
| Net charge-offs to loans | 0.0339% | 2,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.4615% | 2,385 |
| Efficiency ratio | 97.5964% | 278 |
| Assets per employee ($millions) | 4.3182% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 1,543 |
| Loan loss allowance to noncurrent loans | 133.6298% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 2,613 |
| Noncurrent loans to loans | 1.1516% | 1,767 |
| Net loans and leases to total assets | 57.4485% | 4,017 |
| Net loans and leases to deposits | 63.7291% | 4,323 |
| Net loans and leases to core deposits | 97.2846% | 1,724 |
| Total domestic deposits to total assets | 90.1449% | 602 |
| Equity capital to assets | 8.1425% | 5,451 |
| Core capital (leverage) ratio | 7.8403% | 5,613 |
| Tier 1 risk-based capital ratio | 11.7226% | 4,898 |
| Total risk-based capital ratio | 12.9784% | 4,796 |
| Memoranda: | ||
| Average total assets | $261,941,500 | 2,450 |
| Average earning assets | $237,520,500 | 2,488 |
| Average equity | $21,740,000 | 3,008 |
| Average total loans | $153,262,500 | 2,658 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5755% | 4,576 |
| Cost of funding earning assets | 0.2756% | 4,304 |
| Net interest margin | 3.2999% | 4,146 |
| Noninterest income to average assets | 0.1819% | 5,309 |
| Noninterest expense to average assets | 3.5569% | 1,073 |
| Loan and lease loss provision to assets | 1.7684% | 48 |
| Net operating income to assets | -1.3261% | 5,854 |
| Return on assets (ROA) | -1.2735% | 5,850 |
| Pretax return on assets | -2.0332% | 5,875 |
| Return on Equity (ROE) | -11.6001% | 5,845 |
| Retained earnings to average equity (ytd only) | -42.2092% | 5,896 |
| Net charge-offs to loans | 3.9442% | 26 |
| Credit loss provision to net charge-offs | 83.5780% | 2,917 |
| Earnings coverage of net charge-offs (x) | -0.1641% | 4,142 |
| Efficiency ratio | 110.8145% | 119 |
| Assets per employee ($millions) | 4.0659% | 3,842 |
| Cash dividends to net income (ytd only)* | -263.8703% | 5,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6080% | 1,352 |
| Loan loss allowance to noncurrent loans | 81.9044% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.2953% | 1,360 |
| Noncurrent loans to loans | 1.9632% | 921 |
| Net loans and leases to total assets | 57.7378% | 4,091 |
| Net loans and leases to deposits | 64.4024% | 4,374 |
| Net loans and leases to core deposits | 100.6575% | 1,566 |
| Total domestic deposits to total assets | 89.6515% | 796 |
| Equity capital to assets | 8.4637% | 5,297 |
| Core capital (leverage) ratio | 7.5198% | 5,745 |
| Tier 1 risk-based capital ratio | 11.3492% | 5,141 |
| Total risk-based capital ratio | 12.6097% | 5,040 |
| Memoranda: | ||
| Average total assets | $292,983,200 | 2,208 |
| Average earning assets | $268,826,800 | 2,220 |
| Average equity | $32,163,600 | 2,218 |
| Average total loans | $157,166,200 | 2,552 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4525% | 4,920 |
| Cost of funding earning assets | 0.2680% | 4,413 |
| Net interest margin | 3.1844% | 4,522 |
| Noninterest income to average assets | 0.2886% | 4,708 |
| Noninterest expense to average assets | 3.5240% | 1,107 |
| Loan and lease loss provision to assets | 2.0437% | 36 |
| Net operating income to assets | -1.6820% | 5,936 |
| Return on assets (ROA) | -1.5800% | 5,933 |
| Pretax return on assets | -2.2069% | 5,944 |
| Return on Equity (ROE) | -13.7261% | 5,922 |
| Retained earnings to average equity (ytd only) | -15.3934% | 5,892 |
| Net charge-offs to loans | 4.6776% | 14 |
| Credit loss provision to net charge-offs | 83.1001% | 2,626 |
| Earnings coverage of net charge-offs (x) | -0.1240% | 3,827 |
| Efficiency ratio | 109.4709% | 125 |
| Assets per employee ($millions) | 4.8434% | 2,568 |
| Cash dividends to net income (ytd only)* | -12.1475% | 5,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 1,221 |
| Loan loss allowance to noncurrent loans | 65.2447% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.9150% | 835 |
| Noncurrent loans to loans | 2.6084% | 649 |
| Net loans and leases to total assets | 46.4538% | 5,066 |
| Net loans and leases to deposits | 52.8513% | 5,162 |
| Net loans and leases to core deposits | 87.0093% | 2,844 |
| Total domestic deposits to total assets | 87.8952% | 1,451 |
| Equity capital to assets | 10.3527% | 3,742 |
| Core capital (leverage) ratio | 11.1433% | 2,318 |
| Tier 1 risk-based capital ratio | 17.9912% | 1,925 |
| Total risk-based capital ratio | 19.2440% | 1,889 |
| Memoranda: | ||
| Average total assets | $302,190,750 | 2,162 |
| Average earning assets | $278,094,750 | 2,171 |
| Average equity | $34,784,500 | 2,100 |
| Average total loans | $158,879,250 | 2,535 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5410% | 4,766 |
| Cost of funding earning assets | 0.2662% | 4,486 |
| Net interest margin | 3.2748% | 4,310 |
| Noninterest income to average assets | 0.4159% | 3,777 |
| Noninterest expense to average assets | 3.4547% | 1,255 |
| Loan and lease loss provision to assets | 0.1142% | 1,978 |
| Net operating income to assets | -0.1076% | 5,816 |
| Return on assets (ROA) | 0.0574% | 5,750 |
| Pretax return on assets | 0.0748% | 5,745 |
| Return on Equity (ROE) | 0.4820% | 5,751 |
| Retained earnings to average equity (ytd only) | -1.9562% | 5,535 |
| Net charge-offs to loans | 0.6061% | 344 |
| Credit loss provision to net charge-offs | 34.6154% | 2,818 |
| Earnings coverage of net charge-offs (x) | -0.0769% | 3,565 |
| Efficiency ratio | 100.7397% | 230 |
| Assets per employee ($millions) | 4.9404% | 2,369 |
| Cash dividends to net income (ytd only)* | 505.8140% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9035% | 890 |
| Loan loss allowance to noncurrent loans | 75.2964% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 2.3007% | 648 |
| Noncurrent loans to loans | 2.5280% | 683 |
| Net loans and leases to total assets | 54.1029% | 4,500 |
| Net loans and leases to deposits | 63.0080% | 4,571 |
| Net loans and leases to core deposits | 109.1001% | 974 |
| Total domestic deposits to total assets | 85.8666% | 2,481 |
| Equity capital to assets | 12.0826% | 2,072 |
| Core capital (leverage) ratio | 12.2534% | 1,489 |
| Tier 1 risk-based capital ratio | 18.8423% | 1,729 |
| Total risk-based capital ratio | 20.0980% | 1,689 |
| Memoranda: | ||
| Average total assets | $299,595,330 | 2,187 |
| Average earning assets | $275,681,670 | 2,200 |
| Average equity | $35,682,330 | 2,048 |
| Average total loans | $163,009,330 | 2,496 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5624% | 4,727 |
| Cost of funding earning assets | 0.2583% | 4,625 |
| Net interest margin | 3.3042% | 4,205 |
| Noninterest income to average assets | 0.3759% | 4,029 |
| Noninterest expense to average assets | 3.4557% | 1,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0558% | 5,817 |
| Return on assets (ROA) | -0.0478% | 5,835 |
| Pretax return on assets | -0.0305% | 5,831 |
| Return on Equity (ROE) | -0.4043% | 5,841 |
| Retained earnings to average equity (ytd only) | -5.2786% | 5,621 |
| Net charge-offs to loans | -0.0025% | 4,143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1271% | 267 |
| Assets per employee ($millions) | 4.5425% | 2,996 |
| Cash dividends to net income (ytd only)* | -1,205.5556% | 6,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1383% | 639 |
| Loan loss allowance to noncurrent loans | 74.0996% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 2.3595% | 657 |
| Noncurrent loans to loans | 2.8856% | 583 |
| Net loans and leases to total assets | 51.6701% | 4,658 |
| Net loans and leases to deposits | 59.7816% | 4,730 |
| Net loans and leases to core deposits | 101.5859% | 1,368 |
| Total domestic deposits to total assets | 86.4316% | 2,476 |
| Equity capital to assets | 11.7061% | 2,240 |
| Core capital (leverage) ratio | 12.0388% | 1,581 |
| Tier 1 risk-based capital ratio | 19.0733% | 1,718 |
| Total risk-based capital ratio | 20.3312% | 1,675 |
| Memoranda: | ||
| Average total assets | $301,180,000 | 2,178 |
| Average earning assets | $277,225,000 | 2,199 |
| Average equity | $35,615,500 | 2,052 |
| Average total loans | $162,770,500 | 2,499 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8662% | 3,827 |
| Cost of funding earning assets | 0.2612% | 4,681 |
| Net interest margin | 3.6049% | 3,117 |
| Noninterest income to average assets | 0.3503% | 4,398 |
| Noninterest expense to average assets | 3.4385% | 1,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1745% | 5,636 |
| Return on assets (ROA) | 0.1815% | 5,667 |
| Pretax return on assets | 0.2405% | 5,628 |
| Return on Equity (ROE) | 1.5183% | 5,680 |
| Retained earnings to average equity (ytd only) | 1.5183% | 4,858 |
| Net charge-offs to loans | 0.0029% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 137.8000% | 450 |
| Efficiency ratio | 93.7009% | 500 |
| Assets per employee ($millions) | 4.4480% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0837% | 701 |
| Loan loss allowance to noncurrent loans | 63.9189% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 2.7307% | 529 |
| Noncurrent loans to loans | 3.2600% | 457 |
| Net loans and leases to total assets | 54.1632% | 4,486 |
| Net loans and leases to deposits | 63.3187% | 4,520 |
| Net loans and leases to core deposits | 112.1920% | 760 |
| Total domestic deposits to total assets | 85.5406% | 2,845 |
| Equity capital to assets | 11.9471% | 1,992 |
| Core capital (leverage) ratio | 12.3542% | 1,421 |
| Tier 1 risk-based capital ratio | 18.8464% | 1,733 |
| Total risk-based capital ratio | 20.1045% | 1,698 |
| Memoranda: | ||
| Average total assets | $298,068,600 | 2,155 |
| Average earning assets | $274,458,200 | 2,172 |
| Average equity | $35,632,600 | 1,998 |
| Average total loans | $172,913,800 | 2,317 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 3,847 |
| Cost of funding earning assets | 0.2414% | 4,983 |
| Net interest margin | 3.6306% | 3,031 |
| Noninterest income to average assets | 0.3860% | 4,180 |
| Noninterest expense to average assets | 3.4003% | 1,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2487% | 5,579 |
| Return on assets (ROA) | 0.2581% | 5,636 |
| Pretax return on assets | 0.3422% | 5,570 |
| Return on Equity (ROE) | 2.1586% | 5,636 |
| Retained earnings to average equity (ytd only) | 2.1586% | 4,806 |
| Net charge-offs to loans | 0.0023% | 4,104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 245.6600% | 290 |
| Efficiency ratio | 91.1620% | 618 |
| Assets per employee ($millions) | 4.4960% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9556% | 984 |
| Loan loss allowance to noncurrent loans | 44.6422% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 3.2649% | 429 |
| Noncurrent loans to loans | 4.3805% | 258 |
| Net loans and leases to total assets | 57.2042% | 4,224 |
| Net loans and leases to deposits | 66.5738% | 4,325 |
| Net loans and leases to core deposits | 116.1438% | 587 |
| Total domestic deposits to total assets | 85.9259% | 2,569 |
| Equity capital to assets | 11.9860% | 2,120 |
| Core capital (leverage) ratio | 12.3395% | 1,493 |
| Tier 1 risk-based capital ratio | 18.1238% | 1,997 |
| Total risk-based capital ratio | 19.3812% | 1,960 |
| Memoranda: | ||
| Average total assets | $298,082,250 | 2,172 |
| Average earning assets | $274,544,750 | 2,185 |
| Average equity | $35,639,750 | 2,010 |
| Average total loans | $174,930,000 | 2,308 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8245% | 3,975 |
| Cost of funding earning assets | 0.2467% | 4,974 |
| Net interest margin | 3.5778% | 3,173 |
| Noninterest income to average assets | 0.3831% | 4,206 |
| Noninterest expense to average assets | 3.4441% | 1,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1637% | 5,779 |
| Return on assets (ROA) | 0.1771% | 5,807 |
| Pretax return on assets | 0.2491% | 5,740 |
| Return on Equity (ROE) | 1.4823% | 5,801 |
| Retained earnings to average equity (ytd only) | 1.4823% | 4,958 |
| Net charge-offs to loans | 0.0011% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 342.0000% | 204 |
| Efficiency ratio | 93.7328% | 537 |
| Assets per employee ($millions) | 4.6151% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9520% | 1,067 |
| Loan loss allowance to noncurrent loans | 50.8954% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 3.0522% | 541 |
| Noncurrent loans to loans | 3.8353% | 420 |
| Net loans and leases to total assets | 58.4838% | 4,041 |
| Net loans and leases to deposits | 67.9688% | 4,138 |
| Net loans and leases to core deposits | 117.5654% | 542 |
| Total domestic deposits to total assets | 86.0450% | 2,674 |
| Equity capital to assets | 11.9927% | 2,033 |
| Core capital (leverage) ratio | 12.3855% | 1,441 |
| Tier 1 risk-based capital ratio | 17.8948% | 2,097 |
| Total risk-based capital ratio | 19.1518% | 2,052 |
| Memoranda: | ||
| Average total assets | $297,031,330 | 2,196 |
| Average earning assets | $273,239,330 | 2,211 |
| Average equity | $35,484,330 | 2,026 |
| Average total loans | $174,654,670 | 2,320 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7600% | 4,165 |
| Cost of funding earning assets | 0.2526% | 4,993 |
| Net interest margin | 3.5073% | 3,410 |
| Noninterest income to average assets | 0.1652% | 5,743 |
| Noninterest expense to average assets | 3.6083% | 1,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2128% | 6,150 |
| Return on assets (ROA) | -0.1759% | 6,157 |
| Pretax return on assets | -0.1799% | 6,150 |
| Return on Equity (ROE) | -1.4754% | 6,152 |
| Retained earnings to average equity (ytd only) | -1.4754% | 5,614 |
| Net charge-offs to loans | -0.0138% | 4,876 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4158% | 234 |
| Assets per employee ($millions) | 4.7992% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9954% | 1,089 |
| Loan loss allowance to noncurrent loans | 38.3017% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 3.9553% | 381 |
| Noncurrent loans to loans | 5.2097% | 245 |
| Net loans and leases to total assets | 56.8819% | 4,102 |
| Net loans and leases to deposits | 66.0636% | 4,145 |
| Net loans and leases to core deposits | 114.7332% | 554 |
| Total domestic deposits to total assets | 86.1017% | 2,888 |
| Equity capital to assets | 11.9319% | 2,076 |
| Core capital (leverage) ratio | 12.0756% | 1,593 |
| Tier 1 risk-based capital ratio | 18.0135% | 2,134 |
| Total risk-based capital ratio | 19.2688% | 2,086 |
| Memoranda: | ||
| Average total assets | $297,865,000 | 2,209 |
| Average earning assets | $273,939,500 | 2,217 |
| Average equity | $35,515,500 | 2,033 |
| Average total loans | $173,892,500 | 2,330 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1213% | 3,242 |
| Cost of funding earning assets | 0.2553% | 5,269 |
| Net interest margin | 3.8659% | 2,377 |
| Noninterest income to average assets | 0.7295% | 2,165 |
| Noninterest expense to average assets | 3.6133% | 1,277 |
| Loan and lease loss provision to assets | 0.0168% | 4,270 |
| Net operating income to assets | 0.4309% | 5,109 |
| Return on assets (ROA) | 0.4340% | 5,185 |
| Pretax return on assets | 0.6619% | 4,752 |
| Return on Equity (ROE) | 3.6286% | 5,258 |
| Retained earnings to average equity (ytd only) | 2.7151% | 4,314 |
| Net charge-offs to loans | 0.0559% | 3,713 |
| Credit loss provision to net charge-offs | 48.5437% | 3,512 |
| Earnings coverage of net charge-offs (x) | 19.4660% | 1,783 |
| Efficiency ratio | 84.2782% | 1,378 |
| Assets per employee ($millions) | 4.2597% | 3,434 |
| Cash dividends to net income (ytd only)* | 25.1743% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9647% | 1,173 |
| Loan loss allowance to noncurrent loans | 38.4658% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 4.0284% | 415 |
| Noncurrent loans to loans | 5.1077% | 279 |
| Net loans and leases to total assets | 57.5648% | 4,110 |
| Net loans and leases to deposits | 66.9284% | 4,224 |
| Net loans and leases to core deposits | 117.3942% | 490 |
| Total domestic deposits to total assets | 86.0096% | 2,833 |
| Equity capital to assets | 11.9149% | 2,074 |
| Core capital (leverage) ratio | 11.5385% | 1,952 |
| Tier 1 risk-based capital ratio | 17.2426% | 2,402 |
| Total risk-based capital ratio | 18.4988% | 2,359 |
| Memoranda: | ||
| Average total assets | $297,455,000 | 2,166 |
| Average earning assets | $273,751,800 | 2,171 |
| Average equity | $35,578,600 | 1,967 |
| Average total loans | $184,335,600 | 2,179 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1045% | 3,352 |
| Cost of funding earning assets | 0.2412% | 5,497 |
| Net interest margin | 3.8633% | 2,378 |
| Noninterest income to average assets | 0.8889% | 1,555 |
| Noninterest expense to average assets | 3.5706% | 1,346 |
| Loan and lease loss provision to assets | 0.0224% | 3,957 |
| Net operating income to assets | 0.5422% | 4,700 |
| Return on assets (ROA) | 0.5422% | 4,778 |
| Pretax return on assets | 0.8526% | 4,171 |
| Return on Equity (ROE) | 4.5291% | 4,950 |
| Retained earnings to average equity (ytd only) | 4.5291% | 3,423 |
| Net charge-offs to loans | 0.0586% | 3,378 |
| Credit loss provision to net charge-offs | 60.9756% | 2,921 |
| Earnings coverage of net charge-offs (x) | 23.7928% | 1,570 |
| Efficiency ratio | 80.3168% | 1,867 |
| Assets per employee ($millions) | 4.3818% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8690% | 1,529 |
| Loan loss allowance to noncurrent loans | 28.7913% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 5.0477% | 336 |
| Noncurrent loans to loans | 6.4914% | 194 |
| Net loans and leases to total assets | 62.8357% | 3,369 |
| Net loans and leases to deposits | 73.3895% | 3,509 |
| Net loans and leases to core deposits | 121.5296% | 361 |
| Total domestic deposits to total assets | 85.6194% | 3,063 |
| Equity capital to assets | 12.5245% | 1,680 |
| Core capital (leverage) ratio | 11.6301% | 1,957 |
| Tier 1 risk-based capital ratio | 16.5431% | 2,800 |
| Total risk-based capital ratio | 17.7982% | 2,746 |
| Memoranda: | ||
| Average total assets | $297,273,250 | 2,192 |
| Average earning assets | $273,676,250 | 2,184 |
| Average equity | $35,591,250 | 1,978 |
| Average total loans | $186,647,500 | 2,162 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0605% | 3,504 |
| Cost of funding earning assets | 0.2457% | 5,526 |
| Net interest margin | 3.8147% | 2,511 |
| Noninterest income to average assets | 0.8888% | 1,530 |
| Noninterest expense to average assets | 3.4918% | 1,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5921% | 4,391 |
| Return on assets (ROA) | 0.5921% | 4,487 |
| Pretax return on assets | 0.9061% | 3,870 |
| Return on Equity (ROE) | 5.0196% | 4,663 |
| Retained earnings to average equity (ytd only) | 5.0196% | 2,947 |
| Net charge-offs to loans | 0.0470% | 3,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 30.8864% | 1,231 |
| Efficiency ratio | 79.3966% | 2,107 |
| Assets per employee ($millions) | 4.4593% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8653% | 1,665 |
| Loan loss allowance to noncurrent loans | 31.0329% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 4.6206% | 417 |
| Noncurrent loans to loans | 6.0108% | 258 |
| Net loans and leases to total assets | 60.7321% | 3,602 |
| Net loans and leases to deposits | 70.6057% | 3,739 |
| Net loans and leases to core deposits | 122.5093% | 328 |
| Total domestic deposits to total assets | 86.0158% | 3,030 |
| Equity capital to assets | 12.0587% | 1,935 |
| Core capital (leverage) ratio | 11.5925% | 1,929 |
| Tier 1 risk-based capital ratio | 16.5683% | 2,795 |
| Total risk-based capital ratio | 17.8237% | 2,760 |
| Memoranda: | ||
| Average total assets | $299,963,670 | 2,177 |
| Average earning assets | $275,930,000 | 2,171 |
| Average equity | $35,381,330 | 1,973 |
| Average total loans | $187,135,670 | 2,157 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 3,196 |
| Cost of funding earning assets | 0.2528% | 5,550 |
| Net interest margin | 3.8691% | 2,197 |
| Noninterest income to average assets | 0.5456% | 3,079 |
| Noninterest expense to average assets | 3.4682% | 1,555 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4152% | 5,064 |
| Return on assets (ROA) | 0.4152% | 5,133 |
| Pretax return on assets | 0.6215% | 4,760 |
| Return on Equity (ROE) | 3.5598% | 5,241 |
| Retained earnings to average equity (ytd only) | 3.5598% | 3,997 |
| Net charge-offs to loans | 0.0149% | 3,294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 66.7143% | 607 |
| Efficiency ratio | 84.8031% | 1,577 |
| Assets per employee ($millions) | 4.4091% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8639% | 1,858 |
| Loan loss allowance to noncurrent loans | 47.6685% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 3.5081% | 742 |
| Noncurrent loans to loans | 3.9100% | 696 |
| Net loans and leases to total assets | 61.2191% | 3,361 |
| Net loans and leases to deposits | 70.8973% | 3,486 |
| Net loans and leases to core deposits | 120.7929% | 310 |
| Total domestic deposits to total assets | 86.3491% | 3,183 |
| Equity capital to assets | 11.7771% | 2,032 |
| Core capital (leverage) ratio | 11.0959% | 2,305 |
| Tier 1 risk-based capital ratio | 15.4098% | 3,494 |
| Total risk-based capital ratio | 16.6644% | 3,443 |
| Memoranda: | ||
| Average total assets | $300,559,000 | 2,177 |
| Average earning assets | $275,306,500 | 2,185 |
| Average equity | $35,058,000 | 1,979 |
| Average total loans | $188,253,500 | 2,151 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2642% | 3,096 |
| Cost of funding earning assets | 0.2922% | 5,655 |
| Net interest margin | 3.9720% | 2,030 |
| Noninterest income to average assets | 0.5618% | 3,319 |
| Noninterest expense to average assets | 3.7957% | 1,145 |
| Loan and lease loss provision to assets | 0.1144% | 2,901 |
| Net operating income to assets | 0.1909% | 5,848 |
| Return on assets (ROA) | 0.1909% | 5,915 |
| Pretax return on assets | 0.2764% | 5,789 |
| Return on Equity (ROE) | 1.5934% | 5,962 |
| Retained earnings to average equity (ytd only) | 0.8678% | 5,447 |
| Net charge-offs to loans | 0.1854% | 2,985 |
| Credit loss provision to net charge-offs | 98.2090% | 2,529 |
| Earnings coverage of net charge-offs (x) | 3.3552% | 3,877 |
| Efficiency ratio | 90.6660% | 973 |
| Assets per employee ($millions) | 4.3667% | 3,149 |
| Cash dividends to net income (ytd only)* | 45.5373% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 1,939 |
| Loan loss allowance to noncurrent loans | 47.1072% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 3.4673% | 845 |
| Noncurrent loans to loans | 3.9134% | 751 |
| Net loans and leases to total assets | 61.7265% | 3,407 |
| Net loans and leases to deposits | 71.2968% | 3,617 |
| Net loans and leases to core deposits | 128.5223% | 208 |
| Total domestic deposits to total assets | 86.5768% | 2,954 |
| Equity capital to assets | 11.5519% | 2,128 |
| Core capital (leverage) ratio | 10.6887% | 2,690 |
| Tier 1 risk-based capital ratio | 15.5101% | 3,369 |
| Total risk-based capital ratio | 16.7651% | 3,317 |
| Memoranda: | ||
| Average total assets | $287,638,800 | 2,218 |
| Average earning assets | $262,488,200 | 2,232 |
| Average equity | $34,454,000 | 1,996 |
| Average total loans | $180,663,000 | 2,188 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 3,293 |
| Cost of funding earning assets | 0.2859% | 5,845 |
| Net interest margin | 3.9396% | 2,147 |
| Noninterest income to average assets | 0.4377% | 4,240 |
| Noninterest expense to average assets | 3.7749% | 1,115 |
| Loan and lease loss provision to assets | 0.0047% | 4,872 |
| Net operating income to assets | 0.1440% | 6,044 |
| Return on assets (ROA) | 0.1440% | 6,115 |
| Pretax return on assets | 0.2458% | 5,974 |
| Return on Equity (ROE) | 1.1911% | 6,145 |
| Retained earnings to average equity (ytd only) | 1.1911% | 5,502 |
| Net charge-offs to loans | 0.2032% | 2,605 |
| Credit loss provision to net charge-offs | 3.6765% | 4,293 |
| Earnings coverage of net charge-offs (x) | 1.9632% | 4,171 |
| Efficiency ratio | 93.7769% | 753 |
| Assets per employee ($millions) | 4.1685% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7296% | 2,521 |
| Loan loss allowance to noncurrent loans | 54.1848% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 3.0556% | 1,207 |
| Noncurrent loans to loans | 3.1920% | 1,230 |
| Net loans and leases to total assets | 63.0309% | 3,161 |
| Net loans and leases to deposits | 73.3283% | 3,347 |
| Net loans and leases to core deposits | 124.8839% | 251 |
| Total domestic deposits to total assets | 85.9571% | 3,277 |
| Equity capital to assets | 11.7299% | 2,104 |
| Core capital (leverage) ratio | 11.4101% | 2,112 |
| Tier 1 risk-based capital ratio | 15.7720% | 3,316 |
| Total risk-based capital ratio | 17.0263% | 3,271 |
| Memoranda: | ||
| Average total assets | $284,223,500 | 2,252 |
| Average earning assets | $258,836,750 | 2,265 |
| Average equity | $34,366,000 | 2,019 |
| Average total loans | $178,460,000 | 2,213 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1729% | 3,462 |
| Cost of funding earning assets | 0.2853% | 5,942 |
| Net interest margin | 3.8875% | 2,252 |
| Noninterest income to average assets | 0.4097% | 4,455 |
| Noninterest expense to average assets | 3.8154% | 1,069 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0824% | 6,174 |
| Return on assets (ROA) | 0.0824% | 6,258 |
| Pretax return on assets | 0.1250% | 6,192 |
| Return on Equity (ROE) | 0.6742% | 6,277 |
| Retained earnings to average equity (ytd only) | 0.6742% | 5,628 |
| Net charge-offs to loans | 0.3019% | 1,980 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.6642% | 4,301 |
| Efficiency ratio | 96.8288% | 622 |
| Assets per employee ($millions) | 3.9189% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8604% | 2,227 |
| Loan loss allowance to noncurrent loans | 25.4305% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 5.5330% | 526 |
| Noncurrent loans to loans | 7.3155% | 310 |
| Net loans and leases to total assets | 60.4632% | 3,581 |
| Net loans and leases to deposits | 70.6393% | 3,637 |
| Net loans and leases to core deposits | 115.9634% | 388 |
| Total domestic deposits to total assets | 85.5943% | 3,584 |
| Equity capital to assets | 12.1226% | 1,836 |
| Core capital (leverage) ratio | 11.9323% | 1,649 |
| Tier 1 risk-based capital ratio | 16.7662% | 2,806 |
| Total risk-based capital ratio | 18.0213% | 2,778 |
| Memoranda: | ||
| Average total assets | $281,700,670 | 2,285 |
| Average earning assets | $255,843,670 | 2,298 |
| Average equity | $34,412,330 | 2,022 |
| Average total loans | $175,561,330 | 2,247 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1079% | 3,691 |
| Cost of funding earning assets | 0.2960% | 5,998 |
| Net interest margin | 3.8119% | 2,402 |
| Noninterest income to average assets | 0.4945% | 3,807 |
| Noninterest expense to average assets | 3.8768% | 1,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0767% | 6,194 |
| Return on assets (ROA) | 0.0767% | 6,283 |
| Pretax return on assets | 0.1137% | 6,234 |
| Return on Equity (ROE) | 0.6258% | 6,302 |
| Retained earnings to average equity (ytd only) | 0.6258% | 5,579 |
| Net charge-offs to loans | -0.0045% | 5,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1510% | 673 |
| Assets per employee ($millions) | 3.6382% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9490% | 2,177 |
| Loan loss allowance to noncurrent loans | 28.4819% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 5.7004% | 592 |
| Noncurrent loans to loans | 6.8428% | 441 |
| Net loans and leases to total assets | 65.4221% | 2,473 |
| Net loans and leases to deposits | 77.2850% | 2,450 |
| Net loans and leases to core deposits | 118.5329% | 305 |
| Total domestic deposits to total assets | 84.6505% | 4,200 |
| Equity capital to assets | 12.8178% | 1,519 |
| Core capital (leverage) ratio | 11.3873% | 1,953 |
| Tier 1 risk-based capital ratio | 16.6372% | 2,933 |
| Total risk-based capital ratio | 17.8938% | 2,896 |
| Memoranda: | ||
| Average total assets | $281,471,000 | 2,307 |
| Average earning assets | $258,138,500 | 2,303 |
| Average equity | $34,516,000 | 2,045 |
| Average total loans | $176,423,500 | 2,255 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2090% | 4,553 |
| Cost of funding earning assets | 0.3354% | 6,292 |
| Net interest margin | 3.8736% | 2,929 |
| Noninterest income to average assets | 0.4221% | 4,442 |
| Noninterest expense to average assets | 3.8458% | 1,174 |
| Loan and lease loss provision to assets | 0.0560% | 5,089 |
| Net operating income to assets | 0.0606% | 6,072 |
| Return on assets (ROA) | 0.1687% | 6,018 |
| Pretax return on assets | 0.2355% | 5,941 |
| Return on Equity (ROE) | 1.4552% | 6,026 |
| Retained earnings to average equity (ytd only) | 1.4552% | 5,142 |
| Net charge-offs to loans | 0.2899% | 3,203 |
| Credit loss provision to net charge-offs | 32.1083% | 5,084 |
| Earnings coverage of net charge-offs (x) | 0.8104% | 5,064 |
| Efficiency ratio | 96.4543% | 690 |
| Assets per employee ($millions) | 3.9162% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0201% | 1,966 |
| Loan loss allowance to noncurrent loans | 33.5603% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 4.5902% | 894 |
| Noncurrent loans to loans | 6.0192% | 596 |
| Net loans and leases to total assets | 57.7815% | 4,017 |
| Net loans and leases to deposits | 67.2880% | 4,086 |
| Net loans and leases to core deposits | 116.0320% | 358 |
| Total domestic deposits to total assets | 85.8720% | 3,417 |
| Equity capital to assets | 11.7539% | 2,219 |
| Core capital (leverage) ratio | 11.0242% | 2,235 |
| Tier 1 risk-based capital ratio | 17.1897% | 2,563 |
| Total risk-based capital ratio | 18.4476% | 2,535 |
| Memoranda: | ||
| Average total assets | $296,371,800 | 2,164 |
| Average earning assets | $272,769,600 | 2,141 |
| Average equity | $34,358,800 | 2,016 |
| Average total loans | $178,336,800 | 2,224 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2836% | 4,512 |
| Cost of funding earning assets | 0.3048% | 6,594 |
| Net interest margin | 3.9788% | 2,581 |
| Noninterest income to average assets | 0.4439% | 4,336 |
| Noninterest expense to average assets | 3.7368% | 1,312 |
| Loan and lease loss provision to assets | 0.0745% | 4,727 |
| Net operating income to assets | 0.2044% | 5,904 |
| Return on assets (ROA) | 0.2837% | 5,873 |
| Pretax return on assets | 0.4094% | 5,697 |
| Return on Equity (ROE) | 2.4554% | 5,896 |
| Retained earnings to average equity (ytd only) | 2.4554% | 5,102 |
| Net charge-offs to loans | 0.3845% | 2,557 |
| Credit loss provision to net charge-offs | 32.0463% | 4,769 |
| Earnings coverage of net charge-offs (x) | 1.5869% | 4,488 |
| Efficiency ratio | 91.0134% | 961 |
| Assets per employee ($millions) | 4.0641% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9774% | 2,232 |
| Loan loss allowance to noncurrent loans | 34.2505% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 4.3585% | 1,072 |
| Noncurrent loans to loans | 5.7733% | 726 |
| Net loans and leases to total assets | 56.8891% | 4,313 |
| Net loans and leases to deposits | 65.9229% | 4,477 |
| Net loans and leases to core deposits | 112.8676% | 467 |
| Total domestic deposits to total assets | 86.2963% | 3,092 |
| Equity capital to assets | 11.4098% | 2,840 |
| Core capital (leverage) ratio | 11.2085% | 2,208 |
| Tier 1 risk-based capital ratio | 17.1042% | 2,689 |
| Total risk-based capital ratio | 18.3617% | 2,634 |
| Memoranda: | ||
| Average total assets | $297,036,000 | 2,176 |
| Average earning assets | $273,377,750 | 2,171 |
| Average equity | $34,317,750 | 2,034 |
| Average total loans | $179,618,000 | 2,234 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2217% | 4,873 |
| Cost of funding earning assets | 0.3191% | 6,651 |
| Net interest margin | 3.9026% | 2,894 |
| Noninterest income to average assets | 0.3600% | 4,960 |
| Noninterest expense to average assets | 3.6503% | 1,468 |
| Loan and lease loss provision to assets | 0.0299% | 5,295 |
| Net operating income to assets | 0.1948% | 5,930 |
| Return on assets (ROA) | 0.2880% | 5,860 |
| Pretax return on assets | 0.3967% | 5,718 |
| Return on Equity (ROE) | 2.4821% | 5,886 |
| Retained earnings to average equity (ytd only) | 2.4821% | 4,948 |
| Net charge-offs to loans | 0.2393% | 3,138 |
| Credit loss provision to net charge-offs | 20.3704% | 4,599 |
| Earnings coverage of net charge-offs (x) | 2.0370% | 3,972 |
| Efficiency ratio | 92.4321% | 902 |
| Assets per employee ($millions) | 3.6690% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0603% | 2,083 |
| Loan loss allowance to noncurrent loans | 34.7863% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 4.8742% | 993 |
| Noncurrent loans to loans | 5.9226% | 753 |
| Net loans and leases to total assets | 61.1125% | 3,608 |
| Net loans and leases to deposits | 71.3189% | 3,719 |
| Net loans and leases to core deposits | 112.9138% | 480 |
| Total domestic deposits to total assets | 85.6890% | 3,513 |
| Equity capital to assets | 12.0026% | 2,146 |
| Core capital (leverage) ratio | 11.1538% | 2,161 |
| Tier 1 risk-based capital ratio | 17.5125% | 2,470 |
| Total risk-based capital ratio | 18.7684% | 2,434 |
| Memoranda: | ||
| Average total assets | $294,445,000 | 2,194 |
| Average earning assets | $270,793,330 | 2,181 |
| Average equity | $34,164,330 | 2,022 |
| Average total loans | $180,523,670 | 2,221 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 5,219 |
| Cost of funding earning assets | 0.3332% | 6,708 |
| Net interest margin | 3.8344% | 3,220 |
| Noninterest income to average assets | 0.3322% | 5,200 |
| Noninterest expense to average assets | 3.6627% | 1,442 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1611% | 6,093 |
| Return on assets (ROA) | 0.2197% | 6,065 |
| Pretax return on assets | 0.2720% | 6,031 |
| Return on Equity (ROE) | 1.9253% | 6,095 |
| Retained earnings to average equity (ytd only) | 1.9253% | 5,291 |
| Net charge-offs to loans | 0.3394% | 2,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.9675% | 3,846 |
| Efficiency ratio | 94.8318% | 782 |
| Assets per employee ($millions) | 3.8843% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0905% | 2,128 |
| Loan loss allowance to noncurrent loans | 24.2968% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 6.2100% | 734 |
| Noncurrent loans to loans | 8.6039% | 419 |
| Net loans and leases to total assets | 58.6559% | 3,930 |
| Net loans and leases to deposits | 68.0262% | 4,054 |
| Net loans and leases to core deposits | 104.8319% | 727 |
| Total domestic deposits to total assets | 86.2254% | 3,398 |
| Equity capital to assets | 11.5686% | 2,374 |
| Core capital (leverage) ratio | 10.7281% | 2,519 |
| Tier 1 risk-based capital ratio | 17.4955% | 2,476 |
| Total risk-based capital ratio | 18.7518% | 2,444 |
| Memoranda: | ||
| Average total assets | $298,578,000 | 2,174 |
| Average earning assets | $274,879,500 | 2,164 |
| Average equity | $34,072,000 | 2,032 |
| Average total loans | $181,500,500 | 2,214 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3548% | 5,591 |
| Cost of funding earning assets | 0.4632% | 6,689 |
| Net interest margin | 3.8915% | 3,372 |
| Noninterest income to average assets | 0.4677% | 4,073 |
| Noninterest expense to average assets | 3.5811% | 1,780 |
| Loan and lease loss provision to assets | 0.2955% | 3,301 |
| Net operating income to assets | 0.1563% | 5,715 |
| Return on assets (ROA) | 0.2428% | 5,594 |
| Pretax return on assets | 0.3119% | 5,527 |
| Return on Equity (ROE) | 2.1805% | 5,593 |
| Retained earnings to average equity (ytd only) | 2.1805% | 4,661 |
| Net charge-offs to loans | 0.4629% | 3,135 |
| Credit loss provision to net charge-offs | 99.7790% | 3,581 |
| Earnings coverage of net charge-offs (x) | 1.6762% | 4,513 |
| Efficiency ratio | 87.8241% | 1,370 |
| Assets per employee ($millions) | 3.9731% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0682% | 2,088 |
| Loan loss allowance to noncurrent loans | 26.2655% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 5.9191% | 833 |
| Noncurrent loans to loans | 7.8743% | 516 |
| Net loans and leases to total assets | 60.3736% | 3,925 |
| Net loans and leases to deposits | 69.8880% | 4,121 |
| Net loans and leases to core deposits | 117.8875% | 402 |
| Total domestic deposits to total assets | 86.3863% | 3,088 |
| Equity capital to assets | 11.2577% | 2,735 |
| Core capital (leverage) ratio | 10.6354% | 2,576 |
| Tier 1 risk-based capital ratio | 16.7050% | 2,732 |
| Total risk-based capital ratio | 17.9614% | 2,687 |
| Memoranda: | ||
| Average total assets | $305,548,200 | 2,091 |
| Average earning assets | $283,436,800 | 2,071 |
| Average equity | $34,029,200 | 1,966 |
| Average total loans | $195,517,400 | 2,079 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3395% | 5,815 |
| Cost of funding earning assets | 0.4808% | 6,781 |
| Net interest margin | 3.8587% | 3,577 |
| Noninterest income to average assets | 0.5077% | 3,810 |
| Noninterest expense to average assets | 3.5146% | 1,905 |
| Loan and lease loss provision to assets | 0.1901% | 4,126 |
| Net operating income to assets | 0.2813% | 5,464 |
| Return on assets (ROA) | 0.3150% | 5,514 |
| Pretax return on assets | 0.4320% | 5,368 |
| Return on Equity (ROE) | 2.8360% | 5,490 |
| Retained earnings to average equity (ytd only) | 2.8360% | 4,657 |
| Net charge-offs to loans | 0.0007% | 6,183 |
| Credit loss provision to net charge-offs | 43,700.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 1,327.2857% | 11 |
| Efficiency ratio | 85.9179% | 1,539 |
| Assets per employee ($millions) | 3.9432% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1997% | 1,862 |
| Loan loss allowance to noncurrent loans | 26.8378% | 6,421 |
| Noncurrent assets plus other real estate owned to assets | 6.0525% | 880 |
| Noncurrent loans to loans | 8.1961% | 529 |
| Net loans and leases to total assets | 62.7624% | 3,555 |
| Net loans and leases to deposits | 72.5302% | 3,883 |
| Net loans and leases to core deposits | 119.4647% | 403 |
| Total domestic deposits to total assets | 86.5328% | 2,917 |
| Equity capital to assets | 11.4084% | 2,769 |
| Core capital (leverage) ratio | 10.6005% | 2,760 |
| Tier 1 risk-based capital ratio | 16.3765% | 2,926 |
| Total risk-based capital ratio | 17.6345% | 2,884 |
| Memoranda: | ||
| Average total assets | $306,447,000 | 2,095 |
| Average earning assets | $284,542,250 | 2,069 |
| Average equity | $34,038,250 | 1,969 |
| Average total loans | $197,859,250 | 2,081 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3470% | 5,854 |
| Cost of funding earning assets | 0.4911% | 6,871 |
| Net interest margin | 3.8559% | 3,507 |
| Noninterest income to average assets | 0.5251% | 3,662 |
| Noninterest expense to average assets | 3.5076% | 1,959 |
| Loan and lease loss provision to assets | 0.1126% | 4,884 |
| Net operating income to assets | 0.3462% | 5,187 |
| Return on assets (ROA) | 0.3637% | 5,252 |
| Pretax return on assets | 0.5108% | 5,028 |
| Return on Equity (ROE) | 3.3040% | 5,259 |
| Retained earnings to average equity (ytd only) | 3.3040% | 4,159 |
| Net charge-offs to loans | -0.2213% | 7,304 |
| Credit loss provision to net charge-offs | -78.6364% | 6,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4223% | 1,660 |
| Assets per employee ($millions) | 4.1713% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1555% | 2,004 |
| Loan loss allowance to noncurrent loans | 26.9832% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 5.8345% | 973 |
| Noncurrent loans to loans | 7.9884% | 567 |
| Net loans and leases to total assets | 61.5927% | 3,971 |
| Net loans and leases to deposits | 70.8579% | 4,316 |
| Net loans and leases to core deposits | 113.8513% | 578 |
| Total domestic deposits to total assets | 86.9243% | 2,783 |
| Equity capital to assets | 10.9578% | 3,004 |
| Core capital (leverage) ratio | 10.4018% | 2,829 |
| Tier 1 risk-based capital ratio | 16.1631% | 2,897 |
| Total risk-based capital ratio | 17.4208% | 2,866 |
| Memoranda: | ||
| Average total assets | $307,387,330 | 2,100 |
| Average earning assets | $285,481,000 | 2,071 |
| Average equity | $33,838,000 | 1,965 |
| Average total loans | $198,862,670 | 2,094 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 5,797 |
| Cost of funding earning assets | 0.5006% | 6,967 |
| Net interest margin | 3.8677% | 3,309 |
| Noninterest income to average assets | 0.4517% | 4,267 |
| Noninterest expense to average assets | 3.6539% | 1,645 |
| Loan and lease loss provision to assets | -0.3282% | 7,526 |
| Net operating income to assets | 0.5142% | 4,437 |
| Return on assets (ROA) | 0.5265% | 4,455 |
| Pretax return on assets | 0.7339% | 4,171 |
| Return on Equity (ROE) | 4.7715% | 4,517 |
| Retained earnings to average equity (ytd only) | 4.7715% | 3,321 |
| Net charge-offs to loans | -0.4424% | 7,394 |
| Credit loss provision to net charge-offs | 113.1222% | 2,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3865% | 1,302 |
| Assets per employee ($millions) | 3.9619% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9310% | 2,595 |
| Loan loss allowance to noncurrent loans | 28.4682% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 5.4325% | 1,120 |
| Noncurrent loans to loans | 6.7829% | 840 |
| Net loans and leases to total assets | 65.3093% | 3,176 |
| Net loans and leases to deposits | 75.6236% | 3,473 |
| Net loans and leases to core deposits | 121.8472% | 383 |
| Total domestic deposits to total assets | 86.3610% | 3,300 |
| Equity capital to assets | 11.3926% | 2,350 |
| Core capital (leverage) ratio | 10.5718% | 2,539 |
| Tier 1 risk-based capital ratio | 15.9412% | 2,928 |
| Total risk-based capital ratio | 17.1983% | 2,895 |
| Memoranda: | ||
| Average total assets | $304,657,500 | 2,124 |
| Average earning assets | $282,855,000 | 2,094 |
| Average equity | $33,616,500 | 1,961 |
| Average total loans | $199,826,000 | 2,111 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8578% | 5,204 |
| Cost of funding earning assets | 0.7139% | 6,841 |
| Net interest margin | 4.1439% | 2,394 |
| Noninterest income to average assets | 0.3353% | 5,387 |
| Noninterest expense to average assets | 3.5954% | 1,938 |
| Loan and lease loss provision to assets | 0.1783% | 5,436 |
| Net operating income to assets | 0.3416% | 4,785 |
| Return on assets (ROA) | 0.3490% | 4,907 |
| Pretax return on assets | 0.4159% | 4,896 |
| Return on Equity (ROE) | 3.0712% | 4,928 |
| Retained earnings to average equity (ytd only) | 3.0712% | 3,705 |
| Net charge-offs to loans | 0.1133% | 5,750 |
| Credit loss provision to net charge-offs | 222.2222% | 1,343 |
| Earnings coverage of net charge-offs (x) | 7.2949% | 2,162 |
| Efficiency ratio | 86.0002% | 1,698 |
| Assets per employee ($millions) | 4.0542% | 3,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9086% | 2,540 |
| Loan loss allowance to noncurrent loans | 23.6026% | 6,671 |
| Noncurrent assets plus other real estate owned to assets | 5.8400% | 1,037 |
| Noncurrent loans to loans | 8.0864% | 635 |
| Net loans and leases to total assets | 63.4003% | 3,989 |
| Net loans and leases to deposits | 72.6925% | 4,393 |
| Net loans and leases to core deposits | 120.2196% | 522 |
| Total domestic deposits to total assets | 87.2171% | 2,709 |
| Equity capital to assets | 10.6930% | 2,963 |
| Core capital (leverage) ratio | 10.4229% | 2,643 |
| Tier 1 risk-based capital ratio | 15.5837% | 2,961 |
| Total risk-based capital ratio | 16.8413% | 2,918 |
| Memoranda: | ||
| Average total assets | $291,653,000 | 2,202 |
| Average earning assets | $270,637,800 | 2,175 |
| Average equity | $33,147,000 | 1,994 |
| Average total loans | $206,560,400 | 2,101 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0391% | 4,629 |
| Cost of funding earning assets | 0.7615% | 6,878 |
| Net interest margin | 4.2776% | 1,922 |
| Noninterest income to average assets | 0.3206% | 5,588 |
| Noninterest expense to average assets | 3.6394% | 1,697 |
| Loan and lease loss provision to assets | 0.1973% | 5,065 |
| Net operating income to assets | 0.3390% | 5,011 |
| Return on assets (ROA) | 0.3481% | 5,149 |
| Pretax return on assets | 0.4612% | 5,040 |
| Return on Equity (ROE) | 3.0141% | 5,214 |
| Retained earnings to average equity (ytd only) | 3.0141% | 4,326 |
| Net charge-offs to loans | 0.1008% | 5,517 |
| Credit loss provision to net charge-offs | 270.0637% | 1,213 |
| Earnings coverage of net charge-offs (x) | 8.8470% | 2,103 |
| Efficiency ratio | 84.9186% | 1,738 |
| Assets per employee ($millions) | 4.0099% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 2,592 |
| Loan loss allowance to noncurrent loans | 34.9608% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 4.1555% | 1,654 |
| Noncurrent loans to loans | 5.3261% | 1,269 |
| Net loans and leases to total assets | 66.2544% | 3,628 |
| Net loans and leases to deposits | 76.2412% | 4,138 |
| Net loans and leases to core deposits | 124.8684% | 476 |
| Total domestic deposits to total assets | 86.9011% | 2,584 |
| Equity capital to assets | 10.9854% | 2,977 |
| Core capital (leverage) ratio | 10.6405% | 2,557 |
| Tier 1 risk-based capital ratio | 15.0884% | 3,208 |
| Total risk-based capital ratio | 16.3453% | 3,193 |
| Memoranda: | ||
| Average total assets | $286,522,500 | 2,268 |
| Average earning assets | $265,596,250 | 2,246 |
| Average equity | $33,088,500 | 2,013 |
| Average total loans | $207,757,750 | 2,120 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1732% | 4,081 |
| Cost of funding earning assets | 0.7936% | 6,935 |
| Net interest margin | 4.3796% | 1,508 |
| Noninterest income to average assets | 0.5998% | 3,335 |
| Noninterest expense to average assets | 3.8959% | 1,190 |
| Loan and lease loss provision to assets | 0.1904% | 4,975 |
| Net operating income to assets | 0.4281% | 4,627 |
| Return on assets (ROA) | 0.4422% | 4,731 |
| Pretax return on assets | 0.5855% | 4,607 |
| Return on Equity (ROE) | 3.7623% | 4,889 |
| Retained earnings to average equity (ytd only) | 3.7623% | 3,698 |
| Net charge-offs to loans | 0.0355% | 5,856 |
| Credit loss provision to net charge-offs | 721.6216% | 519 |
| Earnings coverage of net charge-offs (x) | 28.7027% | 947 |
| Efficiency ratio | 83.7241% | 1,953 |
| Assets per employee ($millions) | 4.0414% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8360% | 2,616 |
| Loan loss allowance to noncurrent loans | 39.6469% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 4.0051% | 1,726 |
| Noncurrent loans to loans | 4.6309% | 1,557 |
| Net loans and leases to total assets | 70.7141% | 2,741 |
| Net loans and leases to deposits | 82.2107% | 3,237 |
| Net loans and leases to core deposits | 120.2136% | 686 |
| Total domestic deposits to total assets | 86.0157% | 3,075 |
| Equity capital to assets | 11.6130% | 2,345 |
| Core capital (leverage) ratio | 10.9066% | 2,322 |
| Tier 1 risk-based capital ratio | 13.5884% | 4,010 |
| Total risk-based capital ratio | 14.8428% | 3,966 |
| Memoranda: | ||
| Average total assets | $280,446,330 | 2,329 |
| Average earning assets | $259,567,000 | 2,309 |
| Average equity | $32,958,670 | 2,016 |
| Average total loans | $208,429,670 | 2,141 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2666% | 3,702 |
| Cost of funding earning assets | 0.8096% | 7,062 |
| Net interest margin | 4.4569% | 1,240 |
| Noninterest income to average assets | 0.6190% | 3,146 |
| Noninterest expense to average assets | 3.9322% | 1,121 |
| Loan and lease loss provision to assets | 0.2756% | 3,816 |
| Net operating income to assets | 0.4055% | 4,813 |
| Return on assets (ROA) | 0.4055% | 4,961 |
| Pretax return on assets | 0.5339% | 4,839 |
| Return on Equity (ROE) | 3.4292% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.4292% | 4,098 |
| Net charge-offs to loans | 0.0115% | 5,425 |
| Credit loss provision to net charge-offs | 3,183.3333% | 147 |
| Earnings coverage of net charge-offs (x) | 93.5000% | 348 |
| Efficiency ratio | 82.9276% | 2,149 |
| Assets per employee ($millions) | 4.0669% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7983% | 2,736 |
| Loan loss allowance to noncurrent loans | 39.5631% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 4.1463% | 1,644 |
| Noncurrent loans to loans | 4.5453% | 1,636 |
| Net loans and leases to total assets | 72.9578% | 2,214 |
| Net loans and leases to deposits | 85.0384% | 2,754 |
| Net loans and leases to core deposits | 130.4663% | 481 |
| Total domestic deposits to total assets | 85.7940% | 3,264 |
| Equity capital to assets | 11.7261% | 2,212 |
| Core capital (leverage) ratio | 11.0921% | 2,169 |
| Tier 1 risk-based capital ratio | 13.1618% | 4,235 |
| Total risk-based capital ratio | 14.4152% | 4,190 |
| Memoranda: | ||
| Average total assets | $277,201,000 | 2,411 |
| Average earning assets | $256,409,500 | 2,389 |
| Average equity | $32,777,000 | 2,052 |
| Average total loans | $209,294,500 | 2,183 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6859% | 3,175 |
| Cost of funding earning assets | 1.1620% | 6,790 |
| Net interest margin | 4.5239% | 1,122 |
| Noninterest income to average assets | 0.8088% | 2,362 |
| Noninterest expense to average assets | 3.9434% | 1,448 |
| Loan and lease loss provision to assets | 0.6949% | 3,043 |
| Net operating income to assets | 0.2786% | 4,615 |
| Return on assets (ROA) | 0.3217% | 4,530 |
| Pretax return on assets | 0.3949% | 4,510 |
| Return on Equity (ROE) | 2.9240% | 4,538 |
| Retained earnings to average equity (ytd only) | 2.9240% | 3,121 |
| Net charge-offs to loans | 0.5948% | 3,436 |
| Credit loss provision to net charge-offs | 148.2400% | 3,161 |
| Earnings coverage of net charge-offs (x) | 2.2112% | 4,065 |
| Efficiency ratio | 79.1867% | 3,014 |
| Assets per employee ($millions) | 3.6999% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6962% | 2,902 |
| Loan loss allowance to noncurrent loans | 39.6088% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 4.0812% | 1,618 |
| Noncurrent loans to loans | 4.2825% | 1,692 |
| Net loans and leases to total assets | 75.4402% | 1,935 |
| Net loans and leases to deposits | 90.6628% | 2,115 |
| Net loans and leases to core deposits | 148.3058% | 552 |
| Total domestic deposits to total assets | 83.2097% | 4,419 |
| Equity capital to assets | 11.9249% | 2,073 |
| Core capital (leverage) ratio | 11.3002% | 2,041 |
| Tier 1 risk-based capital ratio | 12.8370% | 4,254 |
| Total risk-based capital ratio | 14.0892% | 4,209 |
| Memoranda: | ||
| Average total assets | $266,676,000 | 2,459 |
| Average earning assets | $245,870,400 | 2,444 |
| Average equity | $29,343,800 | 2,275 |
| Average total loans | $210,159,200 | 2,196 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8097% | 2,845 |
| Cost of funding earning assets | 1.2595% | 6,684 |
| Net interest margin | 4.5502% | 1,074 |
| Noninterest income to average assets | 0.6956% | 3,044 |
| Noninterest expense to average assets | 3.9310% | 1,381 |
| Loan and lease loss provision to assets | 0.4047% | 3,894 |
| Net operating income to assets | 0.4041% | 4,382 |
| Return on assets (ROA) | 0.4555% | 4,284 |
| Pretax return on assets | 0.6236% | 4,115 |
| Return on Equity (ROE) | 4.2312% | 4,283 |
| Retained earnings to average equity (ytd only) | 4.2312% | 2,908 |
| Net charge-offs to loans | 0.1427% | 5,272 |
| Credit loss provision to net charge-offs | 357.3333% | 1,148 |
| Earnings coverage of net charge-offs (x) | 8.4578% | 2,240 |
| Efficiency ratio | 80.4077% | 2,784 |
| Assets per employee ($millions) | 3.7070% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7010% | 2,627 |
| Loan loss allowance to noncurrent loans | 38.7097% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 4.3013% | 1,439 |
| Noncurrent loans to loans | 4.3942% | 1,607 |
| Net loans and leases to total assets | 77.7263% | 1,631 |
| Net loans and leases to deposits | 93.2897% | 2,000 |
| Net loans and leases to core deposits | 142.4808% | 820 |
| Total domestic deposits to total assets | 83.3171% | 4,058 |
| Equity capital to assets | 12.4157% | 1,998 |
| Core capital (leverage) ratio | 11.6700% | 1,980 |
| Tier 1 risk-based capital ratio | 13.0270% | 4,172 |
| Total risk-based capital ratio | 14.2788% | 4,106 |
| Memoranda: | ||
| Average total assets | $264,897,750 | 2,480 |
| Average earning assets | $244,115,000 | 2,475 |
| Average equity | $28,517,500 | 2,357 |
| Average total loans | $210,171,250 | 2,214 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8107% | 2,994 |
| Cost of funding earning assets | 1.3417% | 6,672 |
| Net interest margin | 4.4689% | 1,248 |
| Noninterest income to average assets | 0.6713% | 3,187 |
| Noninterest expense to average assets | 4.1580% | 1,116 |
| Loan and lease loss provision to assets | 0.1364% | 5,713 |
| Net operating income to assets | 0.3753% | 4,601 |
| Return on assets (ROA) | 0.4377% | 4,456 |
| Pretax return on assets | 0.5794% | 4,375 |
| Return on Equity (ROE) | 4.2830% | 4,383 |
| Retained earnings to average equity (ytd only) | 4.2830% | 2,919 |
| Net charge-offs to loans | -0.0123% | 7,635 |
| Credit loss provision to net charge-offs | -1,392.3077% | 7,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7767% | 2,147 |
| Assets per employee ($millions) | 2.9855% | 6,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 3,286 |
| Loan loss allowance to noncurrent loans | 30.1289% | 6,465 |
| Noncurrent assets plus other real estate owned to assets | 4.3845% | 1,300 |
| Noncurrent loans to loans | 4.9242% | 1,256 |
| Net loans and leases to total assets | 78.8715% | 1,553 |
| Net loans and leases to deposits | 94.3405% | 2,040 |
| Net loans and leases to core deposits | 145.0157% | 799 |
| Total domestic deposits to total assets | 83.6031% | 3,966 |
| Equity capital to assets | 12.0696% | 2,162 |
| Core capital (leverage) ratio | 11.8188% | 1,909 |
| Tier 1 risk-based capital ratio | 12.7036% | 4,355 |
| Total risk-based capital ratio | 13.9534% | 4,270 |
| Memoranda: | ||
| Average total assets | $265,464,330 | 2,483 |
| Average earning assets | $244,757,000 | 2,479 |
| Average equity | $27,130,670 | 2,467 |
| Average total loans | $210,857,000 | 2,241 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9253% | 2,670 |
| Cost of funding earning assets | 1.4609% | 6,538 |
| Net interest margin | 4.4645% | 1,203 |
| Noninterest income to average assets | 0.7130% | 2,807 |
| Noninterest expense to average assets | 4.0823% | 1,085 |
| Loan and lease loss provision to assets | 0.0889% | 5,824 |
| Net operating income to assets | 0.4811% | 4,512 |
| Return on assets (ROA) | 0.5502% | 4,397 |
| Pretax return on assets | 0.7447% | 4,275 |
| Return on Equity (ROE) | 5.9203% | 4,073 |
| Retained earnings to average equity (ytd only) | 5.9203% | 2,667 |
| Net charge-offs to loans | -0.0229% | 7,476 |
| Credit loss provision to net charge-offs | -491.6667% | 6,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6515% | 2,232 |
| Assets per employee ($millions) | 3.1637% | 5,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 3,323 |
| Loan loss allowance to noncurrent loans | 62.1694% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 2.3329% | 2,461 |
| Noncurrent loans to loans | 2.3066% | 2,850 |
| Net loans and leases to total assets | 80.3340% | 1,325 |
| Net loans and leases to deposits | 93.2953% | 2,386 |
| Net loans and leases to core deposits | 143.9751% | 934 |
| Total domestic deposits to total assets | 86.1072% | 2,656 |
| Equity capital to assets | 9.5956% | 4,534 |
| Core capital (leverage) ratio | 9.0077% | 4,700 |
| Tier 1 risk-based capital ratio | 10.0384% | 6,875 |
| Total risk-based capital ratio | 11.2892% | 6,789 |
| Memoranda: | ||
| Average total assets | $265,342,500 | 2,504 |
| Average earning assets | $244,240,000 | 2,502 |
| Average equity | $24,661,000 | 2,690 |
| Average total loans | $209,923,500 | 2,270 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0434% | 5,336 |
| Cost of funding earning assets | 1.8419% | 6,893 |
| Net interest margin | 4.2015% | 2,306 |
| Noninterest income to average assets | 0.7709% | 2,663 |
| Noninterest expense to average assets | 4.5687% | 834 |
| Loan and lease loss provision to assets | 0.3125% | 3,871 |
| Net operating income to assets | -0.0744% | 6,471 |
| Return on assets (ROA) | 0.5905% | 4,215 |
| Pretax return on assets | 0.4071% | 5,243 |
| Return on Equity (ROE) | 6.2792% | 3,834 |
| Retained earnings to average equity (ytd only) | 2.9841% | 3,315 |
| Net charge-offs to loans | 0.2309% | 3,929 |
| Credit loss provision to net charge-offs | 187.4715% | 2,648 |
| Earnings coverage of net charge-offs (x) | 0.2779% | 6,063 |
| Efficiency ratio | 98.9961% | 1,020 |
| Assets per employee ($millions) | 3.1180% | 5,726 |
| Cash dividends to net income (ytd only)* | 52.4759% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 3,081 |
| Loan loss allowance to noncurrent loans | 64.3214% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 2.1308% | 2,304 |
| Noncurrent loans to loans | 2.2096% | 2,500 |
| Net loans and leases to total assets | 75.7379% | 2,697 |
| Net loans and leases to deposits | 94.7333% | 2,655 |
| Net loans and leases to core deposits | 144.9355% | 1,056 |
| Total domestic deposits to total assets | 79.9486% | 5,040 |
| Equity capital to assets | 9.0057% | 5,359 |
| Core capital (leverage) ratio | 8.8949% | 4,895 |
| Tier 1 risk-based capital ratio | 9.8248% | 6,926 |
| Total risk-based capital ratio | 11.0609% | 6,838 |
| Memoranda: | ||
| Average total assets | $263,337,600 | 2,433 |
| Average earning assets | $240,940,600 | 2,445 |
| Average equity | $24,764,400 | 2,658 |
| Average total loans | $190,101,000 | 2,389 |