Home > Midwest Community Bank > Performance and Condition Ratios
Midwest Community Bank, Performance and Condition Ratios
| 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 | 3.0502% | 3,429 |
| Cost of funding earning assets | 0.4592% | 661 |
| Net interest margin | 2.5909% | 3,929 |
| Noninterest income to average assets | 10.4114% | 55 |
| Noninterest expense to average assets | 11.9168% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7332% | 3,203 |
| Return on assets (ROA) | 0.5878% | 3,609 |
| Pretax return on assets | 0.7247% | 3,518 |
| Return on Equity (ROE) | 4.1253% | 4,008 |
| Retained earnings to average equity (ytd only) | -7.3880% | 4,603 |
| Net charge-offs to loans | -0.0589% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1950% | 316 |
| Assets per employee ($millions) | 1.4942% | 4,717 |
| Cash dividends to net income (ytd only)* | 279.0890% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 2,126 |
| Loan loss allowance to noncurrent loans | 1,248.1481% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.6934% | 781 |
| Noncurrent loans to loans | 0.1052% | 3,221 |
| Net loans and leases to total assets | 61.9318% | 2,129 |
| Net loans and leases to deposits | 74.3279% | 1,835 |
| Net loans and leases to core deposits | 78.5028% | 1,817 |
| Total domestic deposits to total assets | 83.3224% | 3,814 |
| Equity capital to assets | 14.0941% | 498 |
| Core capital (leverage) ratio | 13.0033% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0889% | 317 |
| Memoranda: | ||
| Average total assets | $328,679,333 | 2,329 |
| Average earning assets | $301,361,667 | 2,375 |
| Average equity | $46,833,000 | 1,766 |
| Average total loans | $213,940,667 | 2,149 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8185% | 3,715 |
| Cost of funding earning assets | 0.4452% | 678 |
| Net interest margin | 2.3732% | 4,121 |
| Noninterest income to average assets | 11.2238% | 57 |
| Noninterest expense to average assets | 12.4660% | 55 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9326% | 2,145 |
| Return on assets (ROA) | 0.7456% | 2,864 |
| Pretax return on assets | 0.7456% | 3,260 |
| Return on Equity (ROE) | 5.2045% | 3,565 |
| Retained earnings to average equity (ytd only) | -11.1719% | 4,580 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0397% | 418 |
| Assets per employee ($millions) | 1.4151% | 4,746 |
| Cash dividends to net income (ytd only)* | 314.6580% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,723 |
| Loan loss allowance to noncurrent loans | 1,201.8265% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.7379% | 760 |
| Noncurrent loans to loans | 0.1021% | 3,329 |
| Net loans and leases to total assets | 64.8155% | 1,524 |
| Net loans and leases to deposits | 77.9420% | 1,292 |
| Net loans and leases to core deposits | 82.2514% | 1,339 |
| Total domestic deposits to total assets | 83.1587% | 3,921 |
| Equity capital to assets | 14.2349% | 487 |
| Core capital (leverage) ratio | 13.0502% | 766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1993% | 375 |
| Memoranda: | ||
| Average total assets | $329,407,500 | 2,345 |
| Average earning assets | $301,866,000 | 2,380 |
| Average equity | $47,190,000 | 1,808 |
| Average total loans | $218,235,500 | 2,110 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5761% | 2,450 |
| Cost of funding earning assets | 0.5229% | 829 |
| Net interest margin | 3.0533% | 3,039 |
| Noninterest income to average assets | 21.6112% | 37 |
| Noninterest expense to average assets | 17.6854% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 6.7650% | 29 |
| Return on assets (ROA) | 5.3717% | 40 |
| Pretax return on assets | 5.3717% | 51 |
| Return on Equity (ROE) | 45.3890% | 22 |
| Retained earnings to average equity (ytd only) | 21.7383% | 42 |
| Net charge-offs to loans | -0.0149% | 3,876 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3316% | 1,474 |
| Assets per employee ($millions) | 1.3277% | 4,794 |
| Cash dividends to net income (ytd only)* | 52.1066% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 2,947 |
| Loan loss allowance to noncurrent loans | 1,175.4464% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.8360% | 705 |
| Noncurrent loans to loans | 0.1009% | 3,425 |
| Net loans and leases to total assets | 66.0783% | 1,462 |
| Net loans and leases to deposits | 79.7505% | 1,239 |
| Net loans and leases to core deposits | 85.0856% | 1,252 |
| Total domestic deposits to total assets | 82.8563% | 3,838 |
| Equity capital to assets | 14.4152% | 594 |
| Core capital (leverage) ratio | 12.7029% | 872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3425% | 380 |
| Memoranda: | ||
| Average total assets | $375,134,800 | 2,090 |
| Average earning assets | $348,839,800 | 2,090 |
| Average equity | $44,396,200 | 1,939 |
| Average total loans | $301,460,800 | 1,701 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6291% | 2,478 |
| Cost of funding earning assets | 0.5400% | 873 |
| Net interest margin | 3.0890% | 3,085 |
| Noninterest income to average assets | 22.6668% | 36 |
| Noninterest expense to average assets | 17.9836% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 7.5645% | 28 |
| Return on assets (ROA) | 6.0095% | 39 |
| Pretax return on assets | 6.0095% | 51 |
| Return on Equity (ROE) | 53.2763% | 12 |
| Retained earnings to average equity (ytd only) | 28.5753% | 34 |
| Net charge-offs to loans | -0.0195% | 3,955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3912% | 1,564 |
| Assets per employee ($millions) | 1.3680% | 4,863 |
| Cash dividends to net income (ytd only)* | 46.3639% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8938% | 4,166 |
| Loan loss allowance to noncurrent loans | 1,160.7930% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.7916% | 902 |
| Noncurrent loans to loans | 0.0770% | 3,708 |
| Net loans and leases to total assets | 82.7777% | 156 |
| Net loans and leases to deposits | 98.7607% | 256 |
| Net loans and leases to core deposits | 112.9991% | 274 |
| Total domestic deposits to total assets | 83.8164% | 3,505 |
| Equity capital to assets | 13.4668% | 863 |
| Core capital (leverage) ratio | 12.1729% | 1,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5660% | 742 |
| Memoranda: | ||
| Average total assets | $385,934,750 | 2,063 |
| Average earning assets | $359,972,500 | 2,058 |
| Average equity | $43,533,000 | 1,987 |
| Average total loans | $321,333,500 | 1,648 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1687% | 3,731 |
| Cost of funding earning assets | 0.5415% | 982 |
| Net interest margin | 2.6272% | 4,119 |
| Noninterest income to average assets | 24.5553% | 33 |
| Noninterest expense to average assets | 18.9307% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 8.0815% | 26 |
| Return on assets (ROA) | 6.4308% | 38 |
| Pretax return on assets | 6.4308% | 49 |
| Return on Equity (ROE) | 60.4872% | 10 |
| Retained earnings to average equity (ytd only) | 32.4592% | 28 |
| Net charge-offs to loans | 0.0006% | 2,227 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 16,039.0000% | 3 |
| Efficiency ratio | 70.0821% | 1,624 |
| Assets per employee ($millions) | 1.3905% | 4,901 |
| Cash dividends to net income (ytd only)* | 46.3371% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8413% | 4,299 |
| Loan loss allowance to noncurrent loans | 1,115.0862% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.8309% | 948 |
| Noncurrent loans to loans | 0.0754% | 3,808 |
| Net loans and leases to total assets | 83.0628% | 170 |
| Net loans and leases to deposits | 97.5703% | 327 |
| Net loans and leases to core deposits | 111.1975% | 332 |
| Total domestic deposits to total assets | 85.1312% | 3,042 |
| Equity capital to assets | 12.2719% | 1,235 |
| Core capital (leverage) ratio | 10.9847% | 1,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9498% | 813 |
| Memoranda: | ||
| Average total assets | $396,932,000 | 2,014 |
| Average earning assets | $371,191,000 | 2,015 |
| Average equity | $42,200,667 | 2,023 |
| Average total loans | $330,180,333 | 1,628 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1633% | 3,750 |
| Cost of funding earning assets | 0.5398% | 1,166 |
| Net interest margin | 2.6234% | 4,104 |
| Noninterest income to average assets | 26.4124% | 33 |
| Noninterest expense to average assets | 18.9340% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 9.9327% | 22 |
| Return on assets (ROA) | 7.8562% | 33 |
| Pretax return on assets | 7.8562% | 43 |
| Return on Equity (ROE) | 79.3496% | 5 |
| Retained earnings to average equity (ytd only) | 50.5487% | 16 |
| Net charge-offs to loans | 0.0012% | 1,900 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 10,227.0000% | 2 |
| Efficiency ratio | 65.5911% | 2,290 |
| Assets per employee ($millions) | 1.5134% | 4,928 |
| Cash dividends to net income (ytd only)* | 36.2962% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 4,450 |
| Loan loss allowance to noncurrent loans | 494.6463% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.7300% | 1,270 |
| Noncurrent loans to loans | 0.1562% | 3,551 |
| Net loans and leases to total assets | 80.7321% | 298 |
| Net loans and leases to deposits | 92.1238% | 590 |
| Net loans and leases to core deposits | 114.6153% | 311 |
| Total domestic deposits to total assets | 87.6343% | 2,024 |
| Equity capital to assets | 10.5317% | 2,240 |
| Core capital (leverage) ratio | 9.9323% | 2,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8427% | 1,350 |
| Memoranda: | ||
| Average total assets | $411,852,000 | 1,953 |
| Average earning assets | $385,298,500 | 1,950 |
| Average equity | $40,776,500 | 2,056 |
| Average total loans | $341,518,500 | 1,589 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5479% | 3,925 |
| Cost of funding earning assets | 0.8702% | 947 |
| Net interest margin | 2.6776% | 4,409 |
| Noninterest income to average assets | 21.5997% | 40 |
| Noninterest expense to average assets | 16.4884% | 42 |
| Loan and lease loss provision to assets | 0.0573% | 3,650 |
| Net operating income to assets | 7.5434% | 29 |
| Return on assets (ROA) | 5.9978% | 35 |
| Pretax return on assets | 5.9978% | 45 |
| Return on Equity (ROE) | 63.0322% | 13 |
| Retained earnings to average equity (ytd only) | 30.3403% | 28 |
| Net charge-offs to loans | -0.0418% | 4,633 |
| Credit loss provision to net charge-offs | -165.2893% | 3,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4475% | 2,172 |
| Assets per employee ($millions) | 1.6160% | 4,943 |
| Cash dividends to net income (ytd only)* | 51.8653% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7434% | 4,518 |
| Loan loss allowance to noncurrent loans | 497.6923% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.7382% | 1,398 |
| Noncurrent loans to loans | 0.1494% | 3,687 |
| Net loans and leases to total assets | 83.8550% | 180 |
| Net loans and leases to deposits | 94.1747% | 647 |
| Net loans and leases to core deposits | 129.2199% | 208 |
| Total domestic deposits to total assets | 89.0420% | 967 |
| Equity capital to assets | 9.2705% | 3,826 |
| Core capital (leverage) ratio | 8.5232% | 4,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5989% | 2,015 |
| Memoranda: | ||
| Average total assets | $349,046,200 | 2,058 |
| Average earning assets | $324,506,200 | 2,060 |
| Average equity | $33,213,200 | 2,329 |
| Average total loans | $289,283,000 | 1,731 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6006% | 4,008 |
| Cost of funding earning assets | 0.9394% | 936 |
| Net interest margin | 2.6612% | 4,509 |
| Noninterest income to average assets | 18.8900% | 45 |
| Noninterest expense to average assets | 14.7188% | 49 |
| Loan and lease loss provision to assets | 0.0801% | 3,310 |
| Net operating income to assets | 6.5583% | 31 |
| Return on assets (ROA) | 5.2274% | 42 |
| Pretax return on assets | 5.2274% | 49 |
| Return on Equity (ROE) | 54.5020% | 18 |
| Retained earnings to average equity (ytd only) | 40.7586% | 17 |
| Net charge-offs to loans | -0.0588% | 4,710 |
| Credit loss provision to net charge-offs | -165.2893% | 3,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9175% | 2,056 |
| Assets per employee ($millions) | 1.6647% | 4,976 |
| Cash dividends to net income (ytd only)* | 25.2162% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7504% | 4,484 |
| Loan loss allowance to noncurrent loans | 668.9922% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.8079% | 1,427 |
| Noncurrent loans to loans | 0.1122% | 3,920 |
| Net loans and leases to total assets | 89.8260% | 45 |
| Net loans and leases to deposits | 101.3235% | 480 |
| Net loans and leases to core deposits | 132.7288% | 210 |
| Total domestic deposits to total assets | 88.6526% | 919 |
| Equity capital to assets | 9.9408% | 3,278 |
| Core capital (leverage) ratio | 9.7705% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2327% | 2,091 |
| Memoranda: | ||
| Average total assets | $333,289,750 | 2,104 |
| Average earning assets | $308,978,250 | 2,102 |
| Average equity | $31,966,250 | 2,377 |
| Average total loans | $274,571,000 | 1,796 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7998% | 3,857 |
| Cost of funding earning assets | 0.9465% | 1,164 |
| Net interest margin | 2.8533% | 4,380 |
| Noninterest income to average assets | 16.4242% | 44 |
| Noninterest expense to average assets | 13.2702% | 54 |
| Loan and lease loss provision to assets | 0.1261% | 2,767 |
| Net operating income to assets | 5.6613% | 32 |
| Return on assets (ROA) | 4.4946% | 42 |
| Pretax return on assets | 4.4946% | 50 |
| Return on Equity (ROE) | 47.5569% | 17 |
| Retained earnings to average equity (ytd only) | 34.2855% | 23 |
| Net charge-offs to loans | -0.0757% | 4,789 |
| Credit loss provision to net charge-offs | -210.5263% | 3,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6322% | 2,005 |
| Assets per employee ($millions) | 2.0242% | 4,989 |
| Cash dividends to net income (ytd only)* | 27.9063% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9417% | 3,827 |
| Loan loss allowance to noncurrent loans | 668.9295% | 783 |
| Noncurrent assets plus other real estate owned to assets | 1.1866% | 924 |
| Noncurrent loans to loans | 0.1408% | 3,895 |
| Net loans and leases to total assets | 65.5822% | 2,687 |
| Net loans and leases to deposits | 72.0634% | 3,256 |
| Net loans and leases to core deposits | 105.9021% | 898 |
| Total domestic deposits to total assets | 91.0062% | 149 |
| Equity capital to assets | 8.0967% | 4,670 |
| Core capital (leverage) ratio | 8.2330% | 4,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6354% | 1,946 |
| Memoranda: | ||
| Average total assets | $317,311,333 | 2,162 |
| Average earning assets | $292,857,000 | 2,171 |
| Average equity | $29,989,333 | 2,463 |
| Average total loans | $251,085,333 | 1,896 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0170% | 3,745 |
| Cost of funding earning assets | 0.8365% | 2,190 |
| Net interest margin | 3.1805% | 3,906 |
| Noninterest income to average assets | 10.9305% | 54 |
| Noninterest expense to average assets | 11.0533% | 70 |
| Loan and lease loss provision to assets | 0.1479% | 1,917 |
| Net operating income to assets | 2.6306% | 96 |
| Return on assets (ROA) | 2.0953% | 248 |
| Pretax return on assets | 2.0953% | 369 |
| Return on Equity (ROE) | 19.9940% | 167 |
| Retained earnings to average equity (ytd only) | 6.4060% | 1,748 |
| Net charge-offs to loans | -0.0515% | 4,644 |
| Credit loss provision to net charge-offs | -322.5806% | 3,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9123% | 1,149 |
| Assets per employee ($millions) | 1.5368% | 5,055 |
| Cash dividends to net income (ytd only)* | 67.9605% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 4,117 |
| Loan loss allowance to noncurrent loans | 109.4977% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.6726% | 594 |
| Noncurrent loans to loans | 0.8197% | 1,968 |
| Net loans and leases to total assets | 89.2724% | 46 |
| Net loans and leases to deposits | 99.7585% | 573 |
| Net loans and leases to core deposits | 109.6792% | 862 |
| Total domestic deposits to total assets | 89.4885% | 477 |
| Equity capital to assets | 9.6345% | 4,097 |
| Core capital (leverage) ratio | 11.1516% | 2,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9884% | 2,706 |
| Memoranda: | ||
| Average total assets | $270,508,000 | 2,366 |
| Average earning assets | $246,750,000 | 2,393 |
| Average equity | $28,348,500 | 2,553 |
| Average total loans | $240,602,500 | 1,922 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7539% | 2,183 |
| Cost of funding earning assets | 1.0036% | 1,708 |
| Net interest margin | 3.7502% | 2,664 |
| Noninterest income to average assets | 12.0863% | 52 |
| Noninterest expense to average assets | 12.2872% | 54 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 3.1811% | 68 |
| Return on assets (ROA) | 2.5906% | 126 |
| Pretax return on assets | 2.5906% | 176 |
| Return on Equity (ROE) | 22.9163% | 115 |
| Retained earnings to average equity (ytd only) | 9.5301% | 585 |
| Net charge-offs to loans | -0.0807% | 4,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4347% | 989 |
| Assets per employee ($millions) | 1.3429% | 5,120 |
| Cash dividends to net income (ytd only)* | 58.4133% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 3,168 |
| Loan loss allowance to noncurrent loans | 579.7954% | 868 |
| Noncurrent assets plus other real estate owned to assets | 1.2937% | 857 |
| Noncurrent loans to loans | 0.1827% | 3,799 |
| Net loans and leases to total assets | 86.6384% | 134 |
| Net loans and leases to deposits | 99.2794% | 648 |
| Net loans and leases to core deposits | 107.9946% | 975 |
| Total domestic deposits to total assets | 87.2672% | 1,482 |
| Equity capital to assets | 11.5054% | 2,524 |
| Core capital (leverage) ratio | 10.8524% | 2,635 |
| Tier 1 risk-based capital ratio | 14.0645% | 3,235 |
| Total risk-based capital ratio | 15.2067% | 3,193 |
| Memoranda: | ||
| Average total assets | $237,434,400 | 2,535 |
| Average earning assets | $214,120,200 | 2,572 |
| Average equity | $26,841,200 | 2,573 |
| Average total loans | $205,694,600 | 2,123 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 2,232 |
| Cost of funding earning assets | 1.0000% | 1,765 |
| Net interest margin | 3.7652% | 2,701 |
| Noninterest income to average assets | 10.7557% | 55 |
| Noninterest expense to average assets | 11.3480% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.8008% | 105 |
| Return on assets (ROA) | 2.2854% | 242 |
| Pretax return on assets | 2.2854% | 384 |
| Return on Equity (ROE) | 20.3102% | 234 |
| Retained earnings to average equity (ytd only) | 14.5389% | 176 |
| Net charge-offs to loans | 0.0085% | 3,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 380.9100% | 262 |
| Efficiency ratio | 80.2047% | 910 |
| Assets per employee ($millions) | 1.3759% | 5,198 |
| Cash dividends to net income (ytd only)* | 28.4159% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 3,730 |
| Loan loss allowance to noncurrent loans | 10,989.4737% | 74 |
| Noncurrent assets plus other real estate owned to assets | 1.1328% | 1,153 |
| Noncurrent loans to loans | 0.0088% | 4,644 |
| Net loans and leases to total assets | 86.5074% | 161 |
| Net loans and leases to deposits | 99.0387% | 716 |
| Net loans and leases to core deposits | 116.4802% | 639 |
| Total domestic deposits to total assets | 87.3471% | 1,346 |
| Equity capital to assets | 11.5541% | 2,627 |
| Core capital (leverage) ratio | 11.0425% | 2,608 |
| Tier 1 risk-based capital ratio | 14.1899% | 3,230 |
| Total risk-based capital ratio | 15.2423% | 3,253 |
| Memoranda: | ||
| Average total assets | $235,689,000 | 2,567 |
| Average earning assets | $212,395,500 | 2,612 |
| Average equity | $26,521,250 | 2,606 |
| Average total loans | $203,612,000 | 2,154 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7320% | 2,269 |
| Cost of funding earning assets | 0.9445% | 1,940 |
| Net interest margin | 3.7875% | 2,618 |
| Noninterest income to average assets | 8.3047% | 66 |
| Noninterest expense to average assets | 9.9898% | 70 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7247% | 690 |
| Return on assets (ROA) | 1.4697% | 1,288 |
| Pretax return on assets | 1.4697% | 1,954 |
| Return on Equity (ROE) | 13.1858% | 1,185 |
| Retained earnings to average equity (ytd only) | 7.7832% | 1,480 |
| Net charge-offs to loans | 0.0160% | 2,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 125.1250% | 585 |
| Efficiency ratio | 85.2772% | 582 |
| Assets per employee ($millions) | 1.3411% | 5,244 |
| Cash dividends to net income (ytd only)* | 40.9730% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 3,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1800% | 1,138 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 86.4960% | 178 |
| Net loans and leases to deposits | 98.2411% | 819 |
| Net loans and leases to core deposits | 109.9073% | 982 |
| Total domestic deposits to total assets | 88.0446% | 1,086 |
| Equity capital to assets | 11.1937% | 2,866 |
| Core capital (leverage) ratio | 10.7599% | 2,830 |
| Tier 1 risk-based capital ratio | 13.5097% | 3,580 |
| Total risk-based capital ratio | 14.5932% | 3,560 |
| Memoranda: | ||
| Average total assets | $232,157,330 | 2,599 |
| Average earning assets | $209,002,670 | 2,647 |
| Average equity | $25,876,330 | 2,645 |
| Average total loans | $199,768,670 | 2,191 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 2,545 |
| Cost of funding earning assets | 0.8754% | 2,123 |
| Net interest margin | 3.7190% | 2,818 |
| Noninterest income to average assets | 5.9752% | 79 |
| Noninterest expense to average assets | 8.5350% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7789% | 3,691 |
| Return on assets (ROA) | 0.6657% | 4,076 |
| Pretax return on assets | 0.6657% | 4,382 |
| Return on Equity (ROE) | 5.9853% | 4,020 |
| Retained earnings to average equity (ytd only) | -1.0498% | 4,659 |
| Net charge-offs to loans | -0.0020% | 3,860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6370% | 336 |
| Assets per employee ($millions) | 1.4053% | 5,303 |
| Cash dividends to net income (ytd only)* | 117.5393% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,325 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3389% | 956 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 82.6191% | 514 |
| Net loans and leases to deposits | 93.3284% | 1,244 |
| Net loans and leases to core deposits | 104.4884% | 1,279 |
| Total domestic deposits to total assets | 88.5251% | 1,079 |
| Equity capital to assets | 10.7985% | 3,051 |
| Core capital (leverage) ratio | 11.0472% | 2,530 |
| Tier 1 risk-based capital ratio | 12.9409% | 3,905 |
| Total risk-based capital ratio | 14.0413% | 3,885 |
| Memoranda: | ||
| Average total assets | $229,549,000 | 2,646 |
| Average earning assets | $206,077,500 | 2,705 |
| Average equity | $25,529,000 | 2,678 |
| Average total loans | $195,951,000 | 2,236 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6924% | 1,847 |
| Cost of funding earning assets | 0.7932% | 1,559 |
| Net interest margin | 3.8992% | 2,330 |
| Noninterest income to average assets | 6.5373% | 76 |
| Noninterest expense to average assets | 8.8824% | 78 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1061% | 2,570 |
| Return on assets (ROA) | 0.9920% | 3,039 |
| Pretax return on assets | 0.9920% | 3,633 |
| Return on Equity (ROE) | 8.7209% | 3,135 |
| Retained earnings to average equity (ytd only) | -0.9834% | 5,084 |
| Net charge-offs to loans | 0.0959% | 1,806 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 13.6575% | 2,435 |
| Efficiency ratio | 88.9262% | 392 |
| Assets per employee ($millions) | 1.3681% | 5,349 |
| Cash dividends to net income (ytd only)* | 111.2765% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 3,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4009% | 872 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 86.3843% | 217 |
| Net loans and leases to deposits | 98.2691% | 876 |
| Net loans and leases to core deposits | 107.1354% | 1,182 |
| Total domestic deposits to total assets | 87.9058% | 1,343 |
| Equity capital to assets | 11.4632% | 2,280 |
| Core capital (leverage) ratio | 10.6578% | 2,883 |
| Tier 1 risk-based capital ratio | 13.0384% | 3,828 |
| Total risk-based capital ratio | 14.1475% | 3,794 |
| Memoranda: | ||
| Average total assets | $223,486,200 | 2,664 |
| Average earning assets | $197,810,600 | 2,739 |
| Average equity | $25,421,800 | 2,615 |
| Average total loans | $188,733,400 | 2,256 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 2,167 |
| Cost of funding earning assets | 0.7548% | 1,563 |
| Net interest margin | 3.7807% | 2,712 |
| Noninterest income to average assets | 6.5470% | 80 |
| Noninterest expense to average assets | 8.9714% | 76 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9147% | 3,459 |
| Return on assets (ROA) | 0.7930% | 3,941 |
| Pretax return on assets | 0.7930% | 4,312 |
| Return on Equity (ROE) | 6.9852% | 3,942 |
| Retained earnings to average equity (ytd only) | -3.0252% | 5,252 |
| Net charge-offs to loans | 0.0719% | 1,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 15.1885% | 2,243 |
| Efficiency ratio | 90.7479% | 307 |
| Assets per employee ($millions) | 1.3348% | 5,422 |
| Cash dividends to net income (ytd only)* | 143.3082% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 2,849 |
| Loan loss allowance to noncurrent loans | 1,166.8449% | 523 |
| Noncurrent assets plus other real estate owned to assets | 1.7590% | 678 |
| Noncurrent loans to loans | 0.0993% | 4,445 |
| Net loans and leases to total assets | 84.4954% | 400 |
| Net loans and leases to deposits | 96.2701% | 1,124 |
| Net loans and leases to core deposits | 106.4880% | 1,270 |
| Total domestic deposits to total assets | 87.7691% | 1,353 |
| Equity capital to assets | 11.4590% | 2,293 |
| Core capital (leverage) ratio | 10.5257% | 3,054 |
| Tier 1 risk-based capital ratio | 13.0460% | 3,880 |
| Total risk-based capital ratio | 14.2209% | 3,832 |
| Memoranda: | ||
| Average total assets | $223,607,750 | 2,680 |
| Average earning assets | $197,487,500 | 2,756 |
| Average equity | $25,386,500 | 2,626 |
| Average total loans | $187,232,250 | 2,280 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4147% | 2,367 |
| Cost of funding earning assets | 0.7301% | 1,468 |
| Net interest margin | 3.6847% | 2,991 |
| Noninterest income to average assets | 6.0018% | 83 |
| Noninterest expense to average assets | 8.4145% | 85 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8348% | 3,735 |
| Return on assets (ROA) | 0.7324% | 4,093 |
| Pretax return on assets | 0.7324% | 4,428 |
| Return on Equity (ROE) | 6.4711% | 4,069 |
| Retained earnings to average equity (ytd only) | -4.1122% | 5,252 |
| Net charge-offs to loans | 0.0182% | 2,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 55.1765% | 1,056 |
| Efficiency ratio | 90.9747% | 336 |
| Assets per employee ($millions) | 1.4152% | 5,479 |
| Cash dividends to net income (ytd only)* | 163.5480% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 3,216 |
| Loan loss allowance to noncurrent loans | 1,198.4127% | 511 |
| Noncurrent assets plus other real estate owned to assets | 1.6227% | 781 |
| Noncurrent loans to loans | 0.0924% | 4,499 |
| Net loans and leases to total assets | 86.0970% | 255 |
| Net loans and leases to deposits | 99.5977% | 831 |
| Net loans and leases to core deposits | 108.9282% | 1,055 |
| Total domestic deposits to total assets | 86.4447% | 2,078 |
| Equity capital to assets | 10.7654% | 2,869 |
| Core capital (leverage) ratio | 10.5733% | 2,952 |
| Tier 1 risk-based capital ratio | 12.4440% | 4,222 |
| Total risk-based capital ratio | 13.6094% | 4,156 |
| Memoranda: | ||
| Average total assets | $224,731,000 | 2,682 |
| Average earning assets | $198,064,000 | 2,776 |
| Average equity | $25,436,330 | 2,638 |
| Average total loans | $186,885,330 | 2,289 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 2,499 |
| Cost of funding earning assets | 0.6950% | 1,469 |
| Net interest margin | 3.6084% | 3,140 |
| Noninterest income to average assets | 5.3871% | 96 |
| Noninterest expense to average assets | 8.2172% | 88 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3278% | 5,056 |
| Return on assets (ROA) | 0.2714% | 5,134 |
| Pretax return on assets | 0.2714% | 5,189 |
| Return on Equity (ROE) | 2.3364% | 5,132 |
| Retained earnings to average equity (ytd only) | -9.5180% | 5,354 |
| Net charge-offs to loans | 0.0247% | 2,011 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 16.3636% | 1,630 |
| Efficiency ratio | 96.1637% | 250 |
| Assets per employee ($millions) | 1.3660% | 5,547 |
| Cash dividends to net income (ytd only)* | 507.3826% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,518 |
| Loan loss allowance to noncurrent loans | 218.9971% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 2.0280% | 554 |
| Noncurrent loans to loans | 0.5710% | 2,831 |
| Net loans and leases to total assets | 81.5469% | 717 |
| Net loans and leases to deposits | 92.8656% | 1,348 |
| Net loans and leases to core deposits | 101.1734% | 1,599 |
| Total domestic deposits to total assets | 87.8118% | 1,724 |
| Equity capital to assets | 11.4612% | 2,161 |
| Core capital (leverage) ratio | 10.9323% | 2,511 |
| Tier 1 risk-based capital ratio | 12.8171% | 4,054 |
| Total risk-based capital ratio | 14.0313% | 3,959 |
| Memoranda: | ||
| Average total assets | $219,636,500 | 2,759 |
| Average earning assets | $192,219,000 | 2,859 |
| Average equity | $25,509,500 | 2,656 |
| Average total loans | $178,066,000 | 2,381 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 2,436 |
| Cost of funding earning assets | 0.6673% | 1,199 |
| Net interest margin | 3.6012% | 3,163 |
| Noninterest income to average assets | 6.7496% | 81 |
| Noninterest expense to average assets | 8.4930% | 85 |
| Loan and lease loss provision to assets | -0.2230% | 5,588 |
| Net operating income to assets | 1.6110% | 636 |
| Return on assets (ROA) | 1.3512% | 1,137 |
| Pretax return on assets | 1.3512% | 2,168 |
| Return on Equity (ROE) | 11.8608% | 1,247 |
| Retained earnings to average equity (ytd only) | 4.1787% | 2,659 |
| Net charge-offs to loans | 0.0322% | 3,147 |
| Credit loss provision to net charge-offs | -844.8276% | 5,036 |
| Earnings coverage of net charge-offs (x) | 52.5862% | 1,054 |
| Efficiency ratio | 85.9525% | 648 |
| Assets per employee ($millions) | 1.3709% | 5,609 |
| Cash dividends to net income (ytd only)* | 64.7693% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 2,179 |
| Loan loss allowance to noncurrent loans | 261.6972% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 1.8851% | 628 |
| Noncurrent loans to loans | 0.4997% | 3,029 |
| Net loans and leases to total assets | 78.5223% | 1,215 |
| Net loans and leases to deposits | 89.7554% | 1,805 |
| Net loans and leases to core deposits | 97.9794% | 1,863 |
| Total domestic deposits to total assets | 87.4847% | 1,770 |
| Equity capital to assets | 11.7681% | 1,991 |
| Core capital (leverage) ratio | 11.2428% | 2,135 |
| Tier 1 risk-based capital ratio | 13.8246% | 3,459 |
| Total risk-based capital ratio | 15.0844% | 3,364 |
| Memoranda: | ||
| Average total assets | $219,733,000 | 2,729 |
| Average earning assets | $191,074,000 | 2,851 |
| Average equity | $25,032,000 | 2,673 |
| Average total loans | $179,923,400 | 2,333 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2551% | 2,412 |
| Cost of funding earning assets | 0.6645% | 1,150 |
| Net interest margin | 3.5906% | 3,189 |
| Noninterest income to average assets | 6.6529% | 88 |
| Noninterest expense to average assets | 8.2571% | 94 |
| Loan and lease loss provision to assets | 0.1789% | 1,123 |
| Net operating income to assets | 1.3337% | 1,241 |
| Return on assets (ROA) | 1.1578% | 1,893 |
| Pretax return on assets | 1.1578% | 3,080 |
| Return on Equity (ROE) | 10.2480% | 2,016 |
| Retained earnings to average equity (ytd only) | 2.8022% | 4,237 |
| Net charge-offs to loans | 0.1868% | 1,123 |
| Credit loss provision to net charge-offs | 116.1417% | 2,057 |
| Earnings coverage of net charge-offs (x) | 9.8188% | 2,658 |
| Efficiency ratio | 84.5170% | 719 |
| Assets per employee ($millions) | 1.3881% | 5,674 |
| Cash dividends to net income (ytd only)* | 72.6559% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6509% | 1,131 |
| Loan loss allowance to noncurrent loans | 140.5975% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 2.6721% | 373 |
| Noncurrent loans to loans | 1.1742% | 1,637 |
| Net loans and leases to total assets | 81.0618% | 829 |
| Net loans and leases to deposits | 92.8459% | 1,439 |
| Net loans and leases to core deposits | 101.7859% | 1,558 |
| Total domestic deposits to total assets | 87.3079% | 1,724 |
| Equity capital to assets | 11.9860% | 1,974 |
| Core capital (leverage) ratio | 10.8298% | 2,615 |
| Tier 1 risk-based capital ratio | 13.4138% | 3,755 |
| Total risk-based capital ratio | 14.6791% | 3,667 |
| Memoranda: | ||
| Average total assets | $219,829,250 | 2,752 |
| Average earning assets | $190,826,500 | 2,881 |
| Average equity | $24,836,750 | 2,702 |
| Average total loans | $181,274,500 | 2,321 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1667% | 2,598 |
| Cost of funding earning assets | 0.6514% | 1,132 |
| Net interest margin | 3.5153% | 3,341 |
| Noninterest income to average assets | 6.2063% | 93 |
| Noninterest expense to average assets | 7.8968% | 96 |
| Loan and lease loss provision to assets | 0.2289% | 754 |
| Net operating income to assets | 1.1231% | 1,882 |
| Return on assets (ROA) | 0.9696% | 2,617 |
| Pretax return on assets | 0.9696% | 3,690 |
| Return on Equity (ROE) | 8.7500% | 2,632 |
| Retained earnings to average equity (ytd only) | -0.0972% | 5,089 |
| Net charge-offs to loans | 0.0022% | 3,439 |
| Credit loss provision to net charge-offs | 12,750.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 753.0000% | 102 |
| Efficiency ratio | 85.3815% | 739 |
| Assets per employee ($millions) | 1.5111% | 5,718 |
| Cash dividends to net income (ytd only)* | 101.1111% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7036% | 1,055 |
| Loan loss allowance to noncurrent loans | 128.5655% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 2.8370% | 341 |
| Noncurrent loans to loans | 1.3251% | 1,461 |
| Net loans and leases to total assets | 80.0800% | 941 |
| Net loans and leases to deposits | 90.9521% | 1,616 |
| Net loans and leases to core deposits | 101.0435% | 1,584 |
| Total domestic deposits to total assets | 88.0464% | 1,434 |
| Equity capital to assets | 11.1446% | 2,658 |
| Core capital (leverage) ratio | 10.1947% | 3,286 |
| Tier 1 risk-based capital ratio | 12.5114% | 4,298 |
| Total risk-based capital ratio | 13.7778% | 4,188 |
| Memoranda: | ||
| Average total assets | $222,773,330 | 2,743 |
| Average earning assets | $192,813,000 | 2,870 |
| Average equity | $24,685,670 | 2,723 |
| Average total loans | $183,729,670 | 2,314 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1055% | 2,635 |
| Cost of funding earning assets | 0.6577% | 1,035 |
| Net interest margin | 3.4478% | 3,456 |
| Noninterest income to average assets | 5.2444% | 109 |
| Noninterest expense to average assets | 7.4516% | 116 |
| Loan and lease loss provision to assets | 0.0179% | 3,336 |
| Net operating income to assets | 0.7262% | 3,586 |
| Return on assets (ROA) | 0.6634% | 3,907 |
| Pretax return on assets | 0.6634% | 4,553 |
| Return on Equity (ROE) | 6.0039% | 3,907 |
| Retained earnings to average equity (ytd only) | -3.8295% | 5,317 |
| Net charge-offs to loans | 0.0022% | 2,892 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 415.0000% | 137 |
| Efficiency ratio | 90.9210% | 511 |
| Assets per employee ($millions) | 1.5258% | 5,782 |
| Cash dividends to net income (ytd only)* | 163.7838% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 1,637 |
| Loan loss allowance to noncurrent loans | 1,526.3441% | 428 |
| Noncurrent assets plus other real estate owned to assets | 1.7664% | 821 |
| Noncurrent loans to loans | 0.0994% | 4,793 |
| Net loans and leases to total assets | 82.1600% | 549 |
| Net loans and leases to deposits | 93.1273% | 1,208 |
| Net loans and leases to core deposits | 95.1546% | 1,879 |
| Total domestic deposits to total assets | 88.2233% | 1,577 |
| Equity capital to assets | 10.9372% | 2,703 |
| Core capital (leverage) ratio | 10.0796% | 3,397 |
| Tier 1 risk-based capital ratio | 12.0636% | 4,671 |
| Total risk-based capital ratio | 13.3293% | 4,561 |
| Memoranda: | ||
| Average total assets | $223,093,000 | 2,765 |
| Average earning assets | $190,962,500 | 2,921 |
| Average equity | $24,650,500 | 2,738 |
| Average total loans | $185,110,500 | 2,317 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2420% | 2,341 |
| Cost of funding earning assets | 0.6379% | 1,123 |
| Net interest margin | 3.6041% | 3,057 |
| Noninterest income to average assets | 7.5588% | 77 |
| Noninterest expense to average assets | 8.8144% | 91 |
| Loan and lease loss provision to assets | 0.5117% | 270 |
| Net operating income to assets | 1.3565% | 1,082 |
| Return on assets (ROA) | 1.1169% | 1,921 |
| Pretax return on assets | 1.1169% | 3,037 |
| Return on Equity (ROE) | 10.4894% | 1,768 |
| Retained earnings to average equity (ytd only) | 4.4354% | 2,761 |
| Net charge-offs to loans | 0.5254% | 460 |
| Credit loss provision to net charge-offs | 114.2433% | 2,302 |
| Earnings coverage of net charge-offs (x) | 4.1711% | 3,542 |
| Efficiency ratio | 82.5115% | 1,143 |
| Assets per employee ($millions) | 1.5409% | 5,841 |
| Cash dividends to net income (ytd only)* | 57.7152% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 1,516 |
| Loan loss allowance to noncurrent loans | 1,521.5054% | 418 |
| Noncurrent assets plus other real estate owned to assets | 1.8253% | 799 |
| Noncurrent loans to loans | 0.1016% | 4,827 |
| Net loans and leases to total assets | 81.2432% | 705 |
| Net loans and leases to deposits | 92.3992% | 1,393 |
| Net loans and leases to core deposits | 102.9573% | 1,364 |
| Total domestic deposits to total assets | 87.9263% | 1,665 |
| Equity capital to assets | 11.1629% | 2,466 |
| Core capital (leverage) ratio | 9.9011% | 3,622 |
| Tier 1 risk-based capital ratio | 13.1534% | 3,970 |
| Total risk-based capital ratio | 14.4188% | 3,890 |
| Memoranda: | ||
| Average total assets | $225,722,400 | 2,704 |
| Average earning assets | $195,638,000 | 2,843 |
| Average equity | $24,033,800 | 2,797 |
| Average total loans | $192,419,800 | 2,183 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2003% | 2,511 |
| Cost of funding earning assets | 0.6202% | 1,204 |
| Net interest margin | 3.5802% | 3,161 |
| Noninterest income to average assets | 7.2905% | 80 |
| Noninterest expense to average assets | 8.4345% | 96 |
| Loan and lease loss provision to assets | 0.6029% | 193 |
| Net operating income to assets | 1.3634% | 1,136 |
| Return on assets (ROA) | 1.1152% | 2,042 |
| Pretax return on assets | 1.1152% | 3,163 |
| Return on Equity (ROE) | 10.5993% | 1,827 |
| Retained earnings to average equity (ytd only) | 4.3829% | 3,216 |
| Net charge-offs to loans | 0.5901% | 353 |
| Credit loss provision to net charge-offs | 118.9095% | 2,101 |
| Earnings coverage of net charge-offs (x) | 3.8782% | 3,350 |
| Efficiency ratio | 81.0948% | 1,288 |
| Assets per employee ($millions) | 1.6475% | 5,896 |
| Cash dividends to net income (ytd only)* | 58.6497% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 2,133 |
| Loan loss allowance to noncurrent loans | 1,063.0597% | 555 |
| Noncurrent assets plus other real estate owned to assets | 1.7496% | 957 |
| Noncurrent loans to loans | 0.1332% | 4,809 |
| Net loans and leases to total assets | 84.2199% | 394 |
| Net loans and leases to deposits | 94.8542% | 1,163 |
| Net loans and leases to core deposits | 109.9239% | 920 |
| Total domestic deposits to total assets | 88.7888% | 1,008 |
| Equity capital to assets | 10.3937% | 3,689 |
| Core capital (leverage) ratio | 9.7588% | 3,863 |
| Tier 1 risk-based capital ratio | 12.2362% | 4,651 |
| Total risk-based capital ratio | 13.5010% | 4,540 |
| Memoranda: | ||
| Average total assets | $226,681,250 | 2,704 |
| Average earning assets | $196,932,000 | 2,830 |
| Average equity | $23,850,000 | 2,829 |
| Average total loans | $194,750,250 | 2,165 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 2,469 |
| Cost of funding earning assets | 0.6086% | 1,260 |
| Net interest margin | 3.6051% | 3,083 |
| Noninterest income to average assets | 6.4440% | 91 |
| Noninterest expense to average assets | 8.0631% | 104 |
| Loan and lease loss provision to assets | 0.5588% | 214 |
| Net operating income to assets | 0.9468% | 2,635 |
| Return on assets (ROA) | 0.7581% | 3,655 |
| Pretax return on assets | 0.7581% | 4,427 |
| Return on Equity (ROE) | 7.1750% | 3,444 |
| Retained earnings to average equity (ytd only) | 0.6684% | 5,108 |
| Net charge-offs to loans | 0.8163% | 244 |
| Credit loss provision to net charge-offs | 79.5165% | 2,371 |
| Earnings coverage of net charge-offs (x) | 2.1425% | 3,318 |
| Efficiency ratio | 84.2661% | 1,023 |
| Assets per employee ($millions) | 1.6474% | 5,973 |
| Cash dividends to net income (ytd only)* | 90.6840% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 3,173 |
| Loan loss allowance to noncurrent loans | 819.8052% | 703 |
| Noncurrent assets plus other real estate owned to assets | 1.9227% | 867 |
| Noncurrent loans to loans | 0.1503% | 4,837 |
| Net loans and leases to total assets | 87.1250% | 188 |
| Net loans and leases to deposits | 99.8623% | 706 |
| Net loans and leases to core deposits | 112.4106% | 794 |
| Total domestic deposits to total assets | 87.2451% | 1,782 |
| Equity capital to assets | 10.2381% | 3,926 |
| Core capital (leverage) ratio | 9.6242% | 4,030 |
| Tier 1 risk-based capital ratio | 11.6711% | 5,045 |
| Total risk-based capital ratio | 12.9351% | 4,937 |
| Memoranda: | ||
| Average total assets | $223,710,330 | 2,745 |
| Average earning assets | $193,893,000 | 2,881 |
| Average equity | $23,637,670 | 2,863 |
| Average total loans | $192,578,330 | 2,188 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2773% | 2,210 |
| Cost of funding earning assets | 0.6171% | 1,230 |
| Net interest margin | 3.6602% | 2,848 |
| Noninterest income to average assets | 5.6365% | 103 |
| Noninterest expense to average assets | 7.6199% | 118 |
| Loan and lease loss provision to assets | 0.7748% | 134 |
| Net operating income to assets | 0.3883% | 5,032 |
| Return on assets (ROA) | 0.2807% | 5,434 |
| Pretax return on assets | 0.2807% | 5,547 |
| Return on Equity (ROE) | 2.6139% | 5,352 |
| Retained earnings to average equity (ytd only) | -4.6338% | 5,589 |
| Net charge-offs to loans | 0.7295% | 290 |
| Credit loss provision to net charge-offs | 125.0000% | 1,394 |
| Earnings coverage of net charge-offs (x) | 1.8765% | 2,761 |
| Efficiency ratio | 86.7580% | 909 |
| Assets per employee ($millions) | 1.6502% | 6,032 |
| Cash dividends to net income (ytd only)* | 277.2727% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 1,980 |
| Loan loss allowance to noncurrent loans | 791.7143% | 690 |
| Noncurrent assets plus other real estate owned to assets | 2.0681% | 825 |
| Noncurrent loans to loans | 0.1896% | 4,732 |
| Net loans and leases to total assets | 82.2400% | 530 |
| Net loans and leases to deposits | 92.7560% | 1,257 |
| Net loans and leases to core deposits | 101.9121% | 1,348 |
| Total domestic deposits to total assets | 88.6628% | 1,265 |
| Equity capital to assets | 10.5960% | 3,378 |
| Core capital (leverage) ratio | 9.6468% | 3,970 |
| Tier 1 risk-based capital ratio | 12.0564% | 4,882 |
| Total risk-based capital ratio | 13.3254% | 4,781 |
| Memoranda: | ||
| Average total assets | $219,425,500 | 2,784 |
| Average earning assets | $188,621,500 | 2,951 |
| Average equity | $23,566,000 | 2,870 |
| Average total loans | $186,418,000 | 2,245 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4356% | 1,784 |
| Cost of funding earning assets | 0.8137% | 458 |
| Net interest margin | 3.6219% | 3,052 |
| Noninterest income to average assets | 6.2421% | 99 |
| Noninterest expense to average assets | 7.8643% | 113 |
| Loan and lease loss provision to assets | 0.5148% | 218 |
| Net operating income to assets | 1.0207% | 2,255 |
| Return on assets (ROA) | 0.8744% | 3,085 |
| Pretax return on assets | 0.8744% | 3,937 |
| Return on Equity (ROE) | 8.1060% | 2,899 |
| Retained earnings to average equity (ytd only) | 5.9328% | 1,832 |
| Net charge-offs to loans | 0.7485% | 312 |
| Credit loss provision to net charge-offs | 79.6229% | 2,956 |
| Earnings coverage of net charge-offs (x) | 2.3749% | 3,919 |
| Efficiency ratio | 83.6650% | 1,210 |
| Assets per employee ($millions) | 1.6495% | 6,093 |
| Cash dividends to net income (ytd only)* | 26.8097% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 2,307 |
| Loan loss allowance to noncurrent loans | 872.0779% | 661 |
| Noncurrent assets plus other real estate owned to assets | 2.1701% | 781 |
| Noncurrent loans to loans | 0.1636% | 4,837 |
| Net loans and leases to total assets | 85.2106% | 294 |
| Net loans and leases to deposits | 96.5653% | 950 |
| Net loans and leases to core deposits | 106.3069% | 1,085 |
| Total domestic deposits to total assets | 88.2414% | 1,515 |
| Equity capital to assets | 10.8860% | 2,954 |
| Core capital (leverage) ratio | 10.1591% | 3,307 |
| Tier 1 risk-based capital ratio | 12.6873% | 4,516 |
| Total risk-based capital ratio | 13.9515% | 4,413 |
| Memoranda: | ||
| Average total assets | $213,293,800 | 2,807 |
| Average earning assets | $185,951,800 | 2,932 |
| Average equity | $23,007,600 | 2,878 |
| Average total loans | $184,229,400 | 2,196 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4308% | 1,808 |
| Cost of funding earning assets | 0.8000% | 498 |
| Net interest margin | 3.6308% | 3,030 |
| Noninterest income to average assets | 6.3528% | 103 |
| Noninterest expense to average assets | 7.8596% | 116 |
| Loan and lease loss provision to assets | 0.6271% | 140 |
| Net operating income to assets | 1.0343% | 2,305 |
| Return on assets (ROA) | 0.8590% | 3,216 |
| Pretax return on assets | 0.8590% | 4,136 |
| Return on Equity (ROE) | 7.9820% | 3,078 |
| Retained earnings to average equity (ytd only) | 6.5223% | 1,944 |
| Net charge-offs to loans | 0.9765% | 196 |
| Credit loss provision to net charge-offs | 74.3666% | 2,692 |
| Earnings coverage of net charge-offs (x) | 1.9702% | 3,754 |
| Efficiency ratio | 82.5502% | 1,320 |
| Assets per employee ($millions) | 1.6344% | 6,184 |
| Cash dividends to net income (ytd only)* | 18.2885% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 2,370 |
| Loan loss allowance to noncurrent loans | 851.6234% | 665 |
| Noncurrent assets plus other real estate owned to assets | 2.1681% | 887 |
| Noncurrent loans to loans | 0.1702% | 4,972 |
| Net loans and leases to total assets | 84.5883% | 340 |
| Net loans and leases to deposits | 96.0842% | 995 |
| Net loans and leases to core deposits | 106.1491% | 1,086 |
| Total domestic deposits to total assets | 88.0356% | 1,534 |
| Equity capital to assets | 11.1254% | 2,883 |
| Core capital (leverage) ratio | 9.9717% | 3,671 |
| Tier 1 risk-based capital ratio | 12.8993% | 4,484 |
| Total risk-based capital ratio | 14.1650% | 4,399 |
| Memoranda: | ||
| Average total assets | $212,184,750 | 2,840 |
| Average earning assets | $185,152,000 | 2,970 |
| Average equity | $22,834,000 | 2,916 |
| Average total loans | $183,233,000 | 2,222 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3730% | 1,938 |
| Cost of funding earning assets | 0.7719% | 580 |
| Net interest margin | 3.6011% | 3,091 |
| Noninterest income to average assets | 6.3508% | 108 |
| Noninterest expense to average assets | 7.6742% | 123 |
| Loan and lease loss provision to assets | 0.8446% | 90 |
| Net operating income to assets | 0.9914% | 2,429 |
| Return on assets (ROA) | 0.8145% | 3,413 |
| Pretax return on assets | 0.8145% | 4,275 |
| Return on Equity (ROE) | 7.6547% | 3,231 |
| Retained earnings to average equity (ytd only) | 5.4449% | 2,571 |
| Net charge-offs to loans | 1.1359% | 168 |
| Credit loss provision to net charge-offs | 85.9330% | 2,261 |
| Earnings coverage of net charge-offs (x) | 1.8679% | 3,437 |
| Efficiency ratio | 80.6943% | 1,661 |
| Assets per employee ($millions) | 1.6936% | 6,255 |
| Cash dividends to net income (ytd only)* | 28.8684% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 2,429 |
| Loan loss allowance to noncurrent loans | 101.0029% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 2.2195% | 933 |
| Noncurrent loans to loans | 1.4506% | 1,839 |
| Net loans and leases to total assets | 86.8074% | 193 |
| Net loans and leases to deposits | 100.6742% | 610 |
| Net loans and leases to core deposits | 109.1266% | 885 |
| Total domestic deposits to total assets | 86.2261% | 2,568 |
| Equity capital to assets | 10.5067% | 3,430 |
| Core capital (leverage) ratio | 9.7702% | 3,916 |
| Tier 1 risk-based capital ratio | 12.0322% | 5,125 |
| Total risk-based capital ratio | 13.2989% | 5,013 |
| Memoranda: | ||
| Average total assets | $212,635,330 | 2,858 |
| Average earning assets | $186,554,670 | 2,967 |
| Average equity | $22,626,670 | 2,943 |
| Average total loans | $183,989,670 | 2,232 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3179% | 2,034 |
| Cost of funding earning assets | 0.7563% | 632 |
| Net interest margin | 3.5616% | 3,168 |
| Noninterest income to average assets | 5.6247% | 117 |
| Noninterest expense to average assets | 7.0342% | 148 |
| Loan and lease loss provision to assets | 1.1406% | 66 |
| Net operating income to assets | 0.5665% | 4,419 |
| Return on assets (ROA) | 0.4768% | 4,893 |
| Pretax return on assets | 0.4768% | 5,243 |
| Return on Equity (ROE) | 4.4518% | 4,783 |
| Retained earnings to average equity (ytd only) | 4.4518% | 3,348 |
| Net charge-offs to loans | 1.8826% | 94 |
| Credit loss provision to net charge-offs | 70.6856% | 1,910 |
| Earnings coverage of net charge-offs (x) | 1.0579% | 2,973 |
| Efficiency ratio | 80.4713% | 1,836 |
| Assets per employee ($millions) | 1.8084% | 6,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 2,679 |
| Loan loss allowance to noncurrent loans | 99.7798% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 2.2761% | 993 |
| Noncurrent loans to loans | 1.4526% | 1,957 |
| Net loans and leases to total assets | 85.9120% | 197 |
| Net loans and leases to deposits | 98.4362% | 649 |
| Net loans and leases to core deposits | 106.7387% | 894 |
| Total domestic deposits to total assets | 87.2768% | 2,225 |
| Equity capital to assets | 10.4964% | 3,539 |
| Core capital (leverage) ratio | 9.9182% | 3,714 |
| Tier 1 risk-based capital ratio | 11.9342% | 5,280 |
| Total risk-based capital ratio | 13.1983% | 5,163 |
| Memoranda: | ||
| Average total assets | $209,717,500 | 2,913 |
| Average earning assets | $183,514,000 | 3,023 |
| Average equity | $22,463,000 | 2,975 |
| Average total loans | $179,750,000 | 2,276 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6742% | 1,365 |
| Cost of funding earning assets | 0.9174% | 350 |
| Net interest margin | 3.7568% | 2,785 |
| Noninterest income to average assets | 4.1674% | 146 |
| Noninterest expense to average assets | 5.8641% | 194 |
| Loan and lease loss provision to assets | 0.5557% | 264 |
| Net operating income to assets | 1.0166% | 2,309 |
| Return on assets (ROA) | 0.8989% | 2,966 |
| Pretax return on assets | 0.8989% | 3,908 |
| Return on Equity (ROE) | 8.6042% | 2,787 |
| Retained earnings to average equity (ytd only) | 5.1292% | 2,508 |
| Net charge-offs to loans | 0.6472% | 599 |
| Credit loss provision to net charge-offs | 102.3173% | 2,341 |
| Earnings coverage of net charge-offs (x) | 2.8948% | 4,033 |
| Efficiency ratio | 78.8569% | 2,085 |
| Assets per employee ($millions) | 1.8074% | 6,398 |
| Cash dividends to net income (ytd only)* | 40.3877% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7260% | 1,710 |
| Loan loss allowance to noncurrent loans | 488.7974% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 1.3646% | 2,046 |
| Noncurrent loans to loans | 0.3531% | 4,599 |
| Net loans and leases to total assets | 82.7143% | 459 |
| Net loans and leases to deposits | 93.7637% | 1,099 |
| Net loans and leases to core deposits | 102.8724% | 1,190 |
| Total domestic deposits to total assets | 88.2157% | 1,653 |
| Equity capital to assets | 10.9372% | 2,965 |
| Core capital (leverage) ratio | 10.7388% | 2,682 |
| Tier 1 risk-based capital ratio | 14.5361% | 3,754 |
| Total risk-based capital ratio | 15.7947% | 3,686 |
| Memoranda: | ||
| Average total assets | $206,577,600 | 2,915 |
| Average earning assets | $179,752,000 | 3,048 |
| Average equity | $21,582,400 | 2,990 |
| Average total loans | $173,371,600 | 2,297 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6561% | 1,417 |
| Cost of funding earning assets | 0.9410% | 318 |
| Net interest margin | 3.7151% | 2,962 |
| Noninterest income to average assets | 3.8069% | 154 |
| Noninterest expense to average assets | 5.6875% | 209 |
| Loan and lease loss provision to assets | 0.5458% | 264 |
| Net operating income to assets | 0.8058% | 3,408 |
| Return on assets (ROA) | 0.7215% | 3,936 |
| Pretax return on assets | 0.7215% | 4,628 |
| Return on Equity (ROE) | 6.9864% | 3,714 |
| Retained earnings to average equity (ytd only) | 2.3122% | 4,897 |
| Net charge-offs to loans | 0.6968% | 500 |
| Credit loss provision to net charge-offs | 93.3921% | 2,371 |
| Earnings coverage of net charge-offs (x) | 2.3128% | 3,949 |
| Efficiency ratio | 80.7991% | 1,795 |
| Assets per employee ($millions) | 1.7410% | 6,484 |
| Cash dividends to net income (ytd only)* | 66.9049% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 2,142 |
| Loan loss allowance to noncurrent loans | 257.2321% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 1.6123% | 1,881 |
| Noncurrent loans to loans | 0.6409% | 4,015 |
| Net loans and leases to total assets | 85.1078% | 256 |
| Net loans and leases to deposits | 96.1049% | 869 |
| Net loans and leases to core deposits | 107.9813% | 855 |
| Total domestic deposits to total assets | 88.5571% | 1,473 |
| Equity capital to assets | 10.6967% | 3,309 |
| Core capital (leverage) ratio | 10.0866% | 3,547 |
| Tier 1 risk-based capital ratio | 13.7983% | 4,358 |
| Total risk-based capital ratio | 15.0556% | 4,285 |
| Memoranda: | ||
| Average total assets | $207,162,500 | 2,934 |
| Average earning assets | $180,231,250 | 3,058 |
| Average equity | $21,393,500 | 3,015 |
| Average total loans | $173,739,250 | 2,308 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 1,667 |
| Cost of funding earning assets | 0.9757% | 287 |
| Net interest margin | 3.5755% | 3,460 |
| Noninterest income to average assets | 3.2379% | 178 |
| Noninterest expense to average assets | 5.2772% | 262 |
| Loan and lease loss provision to assets | 0.4528% | 353 |
| Net operating income to assets | 0.6127% | 4,297 |
| Return on assets (ROA) | 0.5534% | 4,683 |
| Pretax return on assets | 0.5534% | 5,124 |
| Return on Equity (ROE) | 5.4211% | 4,475 |
| Retained earnings to average equity (ytd only) | 3.0763% | 4,245 |
| Net charge-offs to loans | 1.0346% | 335 |
| Credit loss provision to net charge-offs | 52.7313% | 2,756 |
| Earnings coverage of net charge-offs (x) | 1.2408% | 3,861 |
| Efficiency ratio | 83.2000% | 1,605 |
| Assets per employee ($millions) | 1.8504% | 6,536 |
| Cash dividends to net income (ytd only)* | 43.2526% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 3,617 |
| Loan loss allowance to noncurrent loans | 303.6188% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 1.4370% | 2,267 |
| Noncurrent loans to loans | 0.4429% | 4,655 |
| Net loans and leases to total assets | 86.7842% | 139 |
| Net loans and leases to deposits | 102.1506% | 442 |
| Net loans and leases to core deposits | 112.8938% | 572 |
| Total domestic deposits to total assets | 84.9571% | 3,531 |
| Equity capital to assets | 10.1312% | 3,932 |
| Core capital (leverage) ratio | 10.1785% | 3,369 |
| Tier 1 risk-based capital ratio | 12.9543% | 4,941 |
| Total risk-based capital ratio | 14.2079% | 4,876 |
| Memoranda: | ||
| Average total assets | $208,899,670 | 2,929 |
| Average earning assets | $181,400,330 | 3,063 |
| Average equity | $21,324,000 | 3,019 |
| Average total loans | $173,400,000 | 2,311 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5831% | 1,544 |
| Cost of funding earning assets | 1.0488% | 210 |
| Net interest margin | 3.5342% | 3,548 |
| Noninterest income to average assets | 2.6267% | 220 |
| Noninterest expense to average assets | 4.9055% | 331 |
| Loan and lease loss provision to assets | 0.3305% | 546 |
| Net operating income to assets | 0.4388% | 4,983 |
| Return on assets (ROA) | 0.3885% | 5,226 |
| Pretax return on assets | 0.3885% | 5,491 |
| Return on Equity (ROE) | 3.7913% | 5,134 |
| Retained earnings to average equity (ytd only) | -0.9242% | 5,714 |
| Net charge-offs to loans | 1.7801% | 160 |
| Credit loss provision to net charge-offs | 23.0769% | 2,474 |
| Earnings coverage of net charge-offs (x) | 0.5371% | 3,325 |
| Efficiency ratio | 86.4441% | 1,399 |
| Assets per employee ($millions) | 1.8365% | 6,607 |
| Cash dividends to net income (ytd only)* | 124.3781% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 3,565 |
| Loan loss allowance to noncurrent loans | 465.8153% | 999 |
| Noncurrent assets plus other real estate owned to assets | 1.2273% | 2,806 |
| Noncurrent loans to loans | 0.3022% | 5,207 |
| Net loans and leases to total assets | 80.0278% | 547 |
| Net loans and leases to deposits | 89.8028% | 1,174 |
| Net loans and leases to core deposits | 100.6283% | 1,062 |
| Total domestic deposits to total assets | 89.1149% | 1,581 |
| Equity capital to assets | 10.2071% | 3,592 |
| Core capital (leverage) ratio | 10.0958% | 3,431 |
| Tier 1 risk-based capital ratio | 13.9002% | 4,393 |
| Total risk-based capital ratio | 15.1545% | 4,336 |
| Memoranda: | ||
| Average total assets | $206,950,500 | 2,971 |
| Average earning assets | $178,482,500 | 3,118 |
| Average equity | $21,206,500 | 3,027 |
| Average total loans | $166,504,000 | 2,379 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6618% | 1,680 |
| Cost of funding earning assets | 1.0889% | 304 |
| Net interest margin | 3.5729% | 3,590 |
| Noninterest income to average assets | 4.6085% | 150 |
| Noninterest expense to average assets | 6.1523% | 190 |
| Loan and lease loss provision to assets | 1.0446% | 169 |
| Net operating income to assets | 0.5011% | 4,733 |
| Return on assets (ROA) | 0.4579% | 5,050 |
| Pretax return on assets | 0.4579% | 5,333 |
| Return on Equity (ROE) | 4.4829% | 4,902 |
| Retained earnings to average equity (ytd only) | 3.2932% | 3,889 |
| Net charge-offs to loans | 1.6319% | 277 |
| Credit loss provision to net charge-offs | 79.3575% | 3,063 |
| Earnings coverage of net charge-offs (x) | 1.1743% | 4,674 |
| Efficiency ratio | 79.9204% | 2,160 |
| Assets per employee ($millions) | 1.8934% | 6,660 |
| Cash dividends to net income (ytd only)* | 26.5393% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7872% | 2,104 |
| Loan loss allowance to noncurrent loans | 572.1790% | 852 |
| Noncurrent assets plus other real estate owned to assets | 1.2395% | 2,938 |
| Noncurrent loans to loans | 0.3123% | 5,252 |
| Net loans and leases to total assets | 78.3126% | 783 |
| Net loans and leases to deposits | 88.0648% | 1,453 |
| Net loans and leases to core deposits | 98.7668% | 1,253 |
| Total domestic deposits to total assets | 88.9261% | 1,677 |
| Equity capital to assets | 10.2874% | 3,403 |
| Core capital (leverage) ratio | 10.1870% | 3,312 |
| Tier 1 risk-based capital ratio | 13.9415% | 4,332 |
| Total risk-based capital ratio | 15.2002% | 4,268 |
| Memoranda: | ||
| Average total assets | $205,727,600 | 2,961 |
| Average earning assets | $177,892,600 | 3,101 |
| Average equity | $21,013,200 | 3,039 |
| Average total loans | $165,940,200 | 2,350 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5998% | 1,901 |
| Cost of funding earning assets | 1.0855% | 335 |
| Net interest margin | 3.5143% | 3,817 |
| Noninterest income to average assets | 5.0189% | 140 |
| Noninterest expense to average assets | 6.3680% | 175 |
| Loan and lease loss provision to assets | 1.0533% | 153 |
| Net operating income to assets | 0.6382% | 4,189 |
| Return on assets (ROA) | 0.5818% | 4,550 |
| Pretax return on assets | 0.5818% | 5,089 |
| Return on Equity (ROE) | 5.7063% | 4,339 |
| Retained earnings to average equity (ytd only) | 4.1159% | 3,757 |
| Net charge-offs to loans | 1.3735% | 378 |
| Credit loss provision to net charge-offs | 94.8044% | 2,510 |
| Earnings coverage of net charge-offs (x) | 1.5225% | 4,329 |
| Efficiency ratio | 79.0117% | 2,257 |
| Assets per employee ($millions) | 1.9507% | 6,717 |
| Cash dividends to net income (ytd only)* | 27.8711% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9947% | 1,733 |
| Loan loss allowance to noncurrent loans | 393.8799% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 1.4225% | 2,822 |
| Noncurrent loans to loans | 0.5064% | 4,932 |
| Net loans and leases to total assets | 83.4121% | 277 |
| Net loans and leases to deposits | 93.9943% | 830 |
| Net loans and leases to core deposits | 105.7877% | 769 |
| Total domestic deposits to total assets | 88.7417% | 1,698 |
| Equity capital to assets | 10.5446% | 3,223 |
| Core capital (leverage) ratio | 10.1947% | 3,410 |
| Tier 1 risk-based capital ratio | 13.7873% | 4,577 |
| Total risk-based capital ratio | 15.0495% | 4,522 |
| Memoranda: | ||
| Average total assets | $205,565,000 | 2,982 |
| Average earning assets | $177,857,750 | 3,131 |
| Average equity | $20,958,750 | 3,079 |
| Average total loans | $166,285,000 | 2,348 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5038% | 2,188 |
| Cost of funding earning assets | 1.0819% | 360 |
| Net interest margin | 3.4218% | 4,105 |
| Noninterest income to average assets | 5.1141% | 143 |
| Noninterest expense to average assets | 6.4467% | 173 |
| Loan and lease loss provision to assets | 0.9338% | 207 |
| Net operating income to assets | 0.6991% | 3,814 |
| Return on assets (ROA) | 0.6190% | 4,364 |
| Pretax return on assets | 0.6190% | 4,952 |
| Return on Equity (ROE) | 6.1390% | 4,083 |
| Retained earnings to average equity (ytd only) | 6.1390% | 2,348 |
| Net charge-offs to loans | 2.0776% | 215 |
| Credit loss provision to net charge-offs | 56.5167% | 3,085 |
| Earnings coverage of net charge-offs (x) | 0.9883% | 4,201 |
| Efficiency ratio | 79.7896% | 2,189 |
| Assets per employee ($millions) | 1.9531% | 6,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 3,168 |
| Loan loss allowance to noncurrent loans | 344.5000% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 1.8461% | 2,348 |
| Noncurrent loans to loans | 0.4638% | 5,102 |
| Net loans and leases to total assets | 81.9813% | 356 |
| Net loans and leases to deposits | 92.1112% | 950 |
| Net loans and leases to core deposits | 100.0483% | 1,075 |
| Total domestic deposits to total assets | 89.0025% | 1,632 |
| Equity capital to assets | 10.2305% | 3,626 |
| Core capital (leverage) ratio | 9.9318% | 3,614 |
| Tier 1 risk-based capital ratio | 13.6114% | 4,702 |
| Total risk-based capital ratio | 14.8678% | 4,658 |
| Memoranda: | ||
| Average total assets | $207,114,000 | 2,976 |
| Average earning assets | $179,494,330 | 3,119 |
| Average equity | $20,883,000 | 3,102 |
| Average total loans | $164,713,000 | 2,372 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 2,282 |
| Cost of funding earning assets | 1.0825% | 408 |
| Net interest margin | 3.3852% | 4,173 |
| Noninterest income to average assets | 4.6902% | 160 |
| Noninterest expense to average assets | 6.5149% | 173 |
| Loan and lease loss provision to assets | 0.2800% | 1,256 |
| Net operating income to assets | 0.8361% | 2,968 |
| Return on assets (ROA) | 0.7550% | 3,547 |
| Pretax return on assets | 0.7550% | 4,355 |
| Return on Equity (ROE) | 7.5430% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.5430% | 1,925 |
| Net charge-offs to loans | 0.7909% | 775 |
| Credit loss provision to net charge-offs | 45.5975% | 2,671 |
| Earnings coverage of net charge-offs (x) | 1.8176% | 3,236 |
| Efficiency ratio | 85.3745% | 1,600 |
| Assets per employee ($millions) | 1.9640% | 6,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1027% | 1,788 |
| Loan loss allowance to noncurrent loans | 176.4051% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 1.9659% | 2,384 |
| Noncurrent loans to loans | 1.1920% | 3,780 |
| Net loans and leases to total assets | 75.1112% | 947 |
| Net loans and leases to deposits | 84.2815% | 1,561 |
| Net loans and leases to core deposits | 92.6550% | 1,441 |
| Total domestic deposits to total assets | 89.1194% | 1,614 |
| Equity capital to assets | 10.1493% | 3,956 |
| Core capital (leverage) ratio | 9.9659% | 3,430 |
| Tier 1 risk-based capital ratio | 14.1232% | 4,411 |
| Total risk-based capital ratio | 15.3862% | 4,363 |
| Memoranda: | ||
| Average total assets | $207,156,500 | 3,013 |
| Average earning assets | $179,959,500 | 3,147 |
| Average equity | $20,734,500 | 3,172 |
| Average total loans | $160,829,000 | 2,438 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0747% | 1,365 |
| Cost of funding earning assets | 1.2559% | 442 |
| Net interest margin | 3.8188% | 3,147 |
| Noninterest income to average assets | 4.6612% | 160 |
| Noninterest expense to average assets | 6.4757% | 184 |
| Loan and lease loss provision to assets | 0.6873% | 758 |
| Net operating income to assets | 0.8268% | 3,150 |
| Return on assets (ROA) | 0.7421% | 3,788 |
| Pretax return on assets | 0.7421% | 4,510 |
| Return on Equity (ROE) | 7.5130% | 3,335 |
| Retained earnings to average equity (ytd only) | 0.1569% | 5,762 |
| Net charge-offs to loans | 0.8765% | 1,305 |
| Credit loss provision to net charge-offs | 96.9925% | 3,200 |
| Earnings coverage of net charge-offs (x) | 2.1367% | 4,343 |
| Efficiency ratio | 81.0488% | 2,002 |
| Assets per employee ($millions) | 2.0603% | 6,889 |
| Cash dividends to net income (ytd only)* | 97.9112% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1415% | 1,663 |
| Loan loss allowance to noncurrent loans | 121.9512% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 2.2663% | 2,166 |
| Noncurrent loans to loans | 1.7560% | 2,979 |
| Net loans and leases to total assets | 76.8583% | 808 |
| Net loans and leases to deposits | 85.9658% | 1,521 |
| Net loans and leases to core deposits | 94.4991% | 1,427 |
| Total domestic deposits to total assets | 89.4056% | 1,303 |
| Equity capital to assets | 9.8702% | 4,352 |
| Core capital (leverage) ratio | 9.7474% | 3,732 |
| Tier 1 risk-based capital ratio | 13.5646% | 4,705 |
| Total risk-based capital ratio | 14.8286% | 4,640 |
| Memoranda: | ||
| Average total assets | $206,448,600 | 2,968 |
| Average earning assets | $179,951,200 | 3,091 |
| Average equity | $20,391,400 | 3,152 |
| Average total loans | $166,909,400 | 2,343 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1085% | 1,409 |
| Cost of funding earning assets | 1.2703% | 502 |
| Net interest margin | 3.8382% | 3,169 |
| Noninterest income to average assets | 4.2095% | 175 |
| Noninterest expense to average assets | 5.9515% | 215 |
| Loan and lease loss provision to assets | 0.5889% | 957 |
| Net operating income to assets | 1.0186% | 2,414 |
| Return on assets (ROA) | 0.9655% | 2,895 |
| Pretax return on assets | 0.9655% | 3,847 |
| Return on Equity (ROE) | 9.7732% | 2,457 |
| Retained earnings to average equity (ytd only) | -0.0524% | 6,088 |
| Net charge-offs to loans | 0.4776% | 2,189 |
| Credit loss provision to net charge-offs | 151.4143% | 1,863 |
| Earnings coverage of net charge-offs (x) | 4.1331% | 3,391 |
| Efficiency ratio | 78.7347% | 2,275 |
| Assets per employee ($millions) | 2.1246% | 6,953 |
| Cash dividends to net income (ytd only)* | 100.5364% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1948% | 1,716 |
| Loan loss allowance to noncurrent loans | 129.4256% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 2.5843% | 2,042 |
| Noncurrent loans to loans | 1.6958% | 3,247 |
| Net loans and leases to total assets | 83.3126% | 261 |
| Net loans and leases to deposits | 93.1597% | 860 |
| Net loans and leases to core deposits | 102.4971% | 958 |
| Total domestic deposits to total assets | 89.4299% | 1,173 |
| Equity capital to assets | 9.9466% | 4,575 |
| Core capital (leverage) ratio | 9.7725% | 3,840 |
| Tier 1 risk-based capital ratio | 12.5741% | 5,583 |
| Total risk-based capital ratio | 13.8386% | 5,536 |
| Memoranda: | ||
| Average total assets | $206,037,750 | 3,008 |
| Average earning assets | $179,801,250 | 3,127 |
| Average equity | $20,354,500 | 3,194 |
| Average total loans | $167,777,750 | 2,363 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0825% | 1,558 |
| Cost of funding earning assets | 1.2924% | 544 |
| Net interest margin | 3.7901% | 3,408 |
| Noninterest income to average assets | 3.6948% | 198 |
| Noninterest expense to average assets | 5.4694% | 280 |
| Loan and lease loss provision to assets | 0.7863% | 646 |
| Net operating income to assets | 0.7388% | 3,653 |
| Return on assets (ROA) | 0.6912% | 4,178 |
| Pretax return on assets | 0.6912% | 4,852 |
| Return on Equity (ROE) | 7.0126% | 3,771 |
| Retained earnings to average equity (ytd only) | -7.7611% | 6,755 |
| Net charge-offs to loans | 0.5884% | 1,845 |
| Credit loss provision to net charge-offs | 166.6667% | 1,669 |
| Earnings coverage of net charge-offs (x) | 3.2325% | 3,448 |
| Efficiency ratio | 78.1957% | 2,434 |
| Assets per employee ($millions) | 2.2850% | 6,919 |
| Cash dividends to net income (ytd only)* | 210.6742% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3554% | 1,491 |
| Loan loss allowance to noncurrent loans | 132.1038% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 2.6462% | 2,092 |
| Noncurrent loans to loans | 1.7830% | 3,246 |
| Net loans and leases to total assets | 77.9724% | 726 |
| Net loans and leases to deposits | 86.8071% | 1,500 |
| Net loans and leases to core deposits | 95.4789% | 1,475 |
| Total domestic deposits to total assets | 89.8226% | 1,031 |
| Equity capital to assets | 9.5886% | 4,929 |
| Core capital (leverage) ratio | 8.7149% | 5,353 |
| Tier 1 risk-based capital ratio | 13.0449% | 5,158 |
| Total risk-based capital ratio | 14.3118% | 5,122 |
| Memoranda: | ||
| Average total assets | $206,020,330 | 3,023 |
| Average earning assets | $179,362,000 | 3,141 |
| Average equity | $20,306,330 | 3,190 |
| Average total loans | $165,186,330 | 2,399 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0973% | 1,578 |
| Cost of funding earning assets | 1.3128% | 603 |
| Net interest margin | 3.7845% | 3,464 |
| Noninterest income to average assets | 3.0746% | 233 |
| Noninterest expense to average assets | 5.0687% | 348 |
| Loan and lease loss provision to assets | 0.9331% | 466 |
| Net operating income to assets | 0.3666% | 5,399 |
| Return on assets (ROA) | 0.3608% | 5,608 |
| Pretax return on assets | 0.3608% | 5,831 |
| Return on Equity (ROE) | 3.6117% | 5,456 |
| Retained earnings to average equity (ytd only) | 3.6117% | 4,411 |
| Net charge-offs to loans | 0.0604% | 3,892 |
| Credit loss provision to net charge-offs | 1,924.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 26.8000% | 996 |
| Efficiency ratio | 79.5918% | 2,256 |
| Assets per employee ($millions) | 2.1630% | 7,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3785% | 1,544 |
| Loan loss allowance to noncurrent loans | 121.3224% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 2.8552% | 2,045 |
| Noncurrent loans to loans | 1.9605% | 3,210 |
| Net loans and leases to total assets | 79.8940% | 414 |
| Net loans and leases to deposits | 89.3885% | 1,023 |
| Net loans and leases to core deposits | 98.9602% | 1,054 |
| Total domestic deposits to total assets | 89.3784% | 1,437 |
| Equity capital to assets | 10.0703% | 4,042 |
| Core capital (leverage) ratio | 9.8240% | 3,607 |
| Tier 1 risk-based capital ratio | 13.4322% | 4,876 |
| Total risk-based capital ratio | 14.6995% | 4,857 |
| Memoranda: | ||
| Average total assets | $206,205,000 | 3,038 |
| Average earning assets | $179,469,000 | 3,154 |
| Average equity | $20,600,000 | 3,154 |
| Average total loans | $165,670,000 | 2,410 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2795% | 1,773 |
| Cost of funding earning assets | 1.5858% | 502 |
| Net interest margin | 3.6937% | 4,326 |
| Noninterest income to average assets | 2.8969% | 220 |
| Noninterest expense to average assets | 5.3455% | 288 |
| Loan and lease loss provision to assets | 1.2354% | 694 |
| Net operating income to assets | -0.4444% | 6,447 |
| Return on assets (ROA) | -0.4541% | 6,509 |
| Pretax return on assets | -0.4541% | 6,456 |
| Return on Equity (ROE) | -4.3461% | 6,492 |
| Retained earnings to average equity (ytd only) | -4.3461% | 6,398 |
| Net charge-offs to loans | 1.2218% | 1,373 |
| Credit loss provision to net charge-offs | 126.7130% | 2,451 |
| Earnings coverage of net charge-offs (x) | 0.8113% | 5,190 |
| Efficiency ratio | 87.1095% | 1,431 |
| Assets per employee ($millions) | 2.3784% | 6,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1720% | 1,854 |
| Loan loss allowance to noncurrent loans | 113.9550% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 2.8083% | 2,151 |
| Noncurrent loans to loans | 1.9060% | 3,338 |
| Net loans and leases to total assets | 77.1418% | 808 |
| Net loans and leases to deposits | 86.1981% | 1,643 |
| Net loans and leases to core deposits | 95.5987% | 1,534 |
| Total domestic deposits to total assets | 89.4937% | 1,269 |
| Equity capital to assets | 9.9104% | 4,291 |
| Core capital (leverage) ratio | 9.3492% | 4,250 |
| Tier 1 risk-based capital ratio | 13.7213% | 4,540 |
| Total risk-based capital ratio | 14.9855% | 4,494 |
| Memoranda: | ||
| Average total assets | $206,566,200 | 2,984 |
| Average earning assets | $181,173,000 | 3,073 |
| Average equity | $21,582,600 | 2,935 |
| Average total loans | $164,835,400 | 2,427 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3092% | 1,820 |
| Cost of funding earning assets | 1.6615% | 456 |
| Net interest margin | 3.6477% | 4,579 |
| Noninterest income to average assets | 2.7444% | 240 |
| Noninterest expense to average assets | 4.9018% | 409 |
| Loan and lease loss provision to assets | 0.5915% | 1,667 |
| Net operating income to assets | 0.4578% | 4,731 |
| Return on assets (ROA) | 0.4598% | 4,916 |
| Pretax return on assets | 0.4598% | 5,287 |
| Return on Equity (ROE) | 4.3444% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.3444% | 3,637 |
| Net charge-offs to loans | 1.3329% | 1,140 |
| Credit loss provision to net charge-offs | 55.4479% | 4,910 |
| Earnings coverage of net charge-offs (x) | 0.9837% | 4,894 |
| Efficiency ratio | 82.3676% | 1,917 |
| Assets per employee ($millions) | 2.1582% | 7,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 4,685 |
| Loan loss allowance to noncurrent loans | 79.0941% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 3.1763% | 2,015 |
| Noncurrent loans to loans | 1.7316% | 3,725 |
| Net loans and leases to total assets | 83.2382% | 272 |
| Net loans and leases to deposits | 94.4440% | 801 |
| Net loans and leases to core deposits | 105.1970% | 907 |
| Total domestic deposits to total assets | 88.1350% | 1,965 |
| Equity capital to assets | 11.2820% | 2,884 |
| Core capital (leverage) ratio | 10.2818% | 3,100 |
| Tier 1 risk-based capital ratio | 14.5817% | 3,921 |
| Total risk-based capital ratio | 15.8349% | 3,887 |
| Memoranda: | ||
| Average total assets | $206,476,750 | 2,999 |
| Average earning assets | $181,516,750 | 3,089 |
| Average equity | $21,851,500 | 2,899 |
| Average total loans | $165,252,000 | 2,440 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1767% | 2,357 |
| Cost of funding earning assets | 1.7166% | 439 |
| Net interest margin | 3.4601% | 5,324 |
| Noninterest income to average assets | 2.5877% | 256 |
| Noninterest expense to average assets | 4.9629% | 382 |
| Loan and lease loss provision to assets | 0.0715% | 5,415 |
| Net operating income to assets | 0.6214% | 3,952 |
| Return on assets (ROA) | 0.6272% | 4,046 |
| Pretax return on assets | 0.6272% | 4,655 |
| Return on Equity (ROE) | 6.0507% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.0507% | 2,394 |
| Net charge-offs to loans | 1.8548% | 735 |
| Credit loss provision to net charge-offs | 4.8988% | 5,290 |
| Earnings coverage of net charge-offs (x) | 0.4749% | 4,952 |
| Efficiency ratio | 87.7486% | 1,439 |
| Assets per employee ($millions) | 2.0497% | 7,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 6,512 |
| Loan loss allowance to noncurrent loans | 30.0213% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 3.2413% | 2,066 |
| Noncurrent loans to loans | 3.1603% | 2,271 |
| Net loans and leases to total assets | 82.2371% | 353 |
| Net loans and leases to deposits | 94.9358% | 810 |
| Net loans and leases to core deposits | 106.1220% | 932 |
| Total domestic deposits to total assets | 86.6240% | 2,974 |
| Equity capital to assets | 11.2329% | 2,736 |
| Core capital (leverage) ratio | 9.9943% | 3,273 |
| Tier 1 risk-based capital ratio | 14.8769% | 3,567 |
| Total risk-based capital ratio | 15.9338% | 3,651 |
| Memoranda: | ||
| Average total assets | $209,838,000 | 2,976 |
| Average earning assets | $186,066,000 | 3,048 |
| Average equity | $21,749,670 | 2,902 |
| Average total loans | $165,088,000 | 2,468 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9625% | 3,280 |
| Cost of funding earning assets | 1.7970% | 382 |
| Net interest margin | 3.1655% | 6,180 |
| Noninterest income to average assets | 2.8137% | 237 |
| Noninterest expense to average assets | 5.1504% | 318 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4899% | 4,522 |
| Return on assets (ROA) | 0.4733% | 4,687 |
| Pretax return on assets | 0.4733% | 5,109 |
| Return on Equity (ROE) | 4.7467% | 4,530 |
| Retained earnings to average equity (ytd only) | 4.7467% | 3,346 |
| Net charge-offs to loans | 1.8488% | 699 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.3455% | 4,354 |
| Efficiency ratio | 91.3143% | 1,218 |
| Assets per employee ($millions) | 2.0005% | 7,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 4,601 |
| Loan loss allowance to noncurrent loans | 45.4896% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 2.9217% | 2,368 |
| Noncurrent loans to loans | 3.1036% | 2,416 |
| Net loans and leases to total assets | 74.4355% | 1,278 |
| Net loans and leases to deposits | 84.9789% | 1,882 |
| Net loans and leases to core deposits | 97.4156% | 1,567 |
| Total domestic deposits to total assets | 87.5929% | 2,616 |
| Equity capital to assets | 10.3314% | 3,369 |
| Core capital (leverage) ratio | 9.4765% | 3,853 |
| Tier 1 risk-based capital ratio | 14.7000% | 3,611 |
| Total risk-based capital ratio | 15.9538% | 3,563 |
| Memoranda: | ||
| Average total assets | $216,372,000 | 2,918 |
| Average earning assets | $193,210,500 | 2,970 |
| Average equity | $21,573,000 | 2,913 |
| Average total loans | $165,948,000 | 2,486 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3411% | 2,928 |
| Cost of funding earning assets | 2.3003% | 212 |
| Net interest margin | 3.0408% | 6,658 |
| Noninterest income to average assets | 3.4496% | 201 |
| Noninterest expense to average assets | 5.0166% | 405 |
| Loan and lease loss provision to assets | 1.1181% | 1,428 |
| Net operating income to assets | 0.0812% | 5,637 |
| Return on assets (ROA) | 0.0648% | 5,809 |
| Pretax return on assets | 0.0577% | 5,789 |
| Return on Equity (ROE) | 0.6791% | 5,788 |
| Retained earnings to average equity (ytd only) | 0.6791% | 5,230 |
| Net charge-offs to loans | 0.9264% | 2,332 |
| Credit loss provision to net charge-offs | 150.4177% | 2,402 |
| Earnings coverage of net charge-offs (x) | 1.6038% | 4,534 |
| Efficiency ratio | 80.7986% | 2,307 |
| Assets per employee ($millions) | 1.9535% | 7,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7345% | 3,088 |
| Loan loss allowance to noncurrent loans | 100.6024% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 1.8873% | 3,502 |
| Noncurrent loans to loans | 1.7241% | 3,916 |
| Net loans and leases to total assets | 76.4723% | 1,188 |
| Net loans and leases to deposits | 86.4638% | 2,010 |
| Net loans and leases to core deposits | 97.4089% | 1,854 |
| Total domestic deposits to total assets | 88.4443% | 1,986 |
| Equity capital to assets | 9.6298% | 4,238 |
| Core capital (leverage) ratio | 8.9912% | 4,573 |
| Tier 1 risk-based capital ratio | 13.7191% | 4,046 |
| Total risk-based capital ratio | 14.9775% | 4,017 |
| Memoranda: | ||
| Average total assets | $225,472,200 | 2,807 |
| Average earning assets | $204,581,600 | 2,811 |
| Average equity | $21,500,400 | 2,948 |
| Average total loans | $180,914,200 | 2,344 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3198% | 3,256 |
| Cost of funding earning assets | 2.3440% | 233 |
| Net interest margin | 2.9758% | 6,877 |
| Noninterest income to average assets | 2.4736% | 283 |
| Noninterest expense to average assets | 4.2911% | 750 |
| Loan and lease loss provision to assets | 0.6697% | 2,282 |
| Net operating income to assets | 0.2134% | 5,471 |
| Return on assets (ROA) | 0.2134% | 5,634 |
| Pretax return on assets | 0.2146% | 5,698 |
| Return on Equity (ROE) | 2.2434% | 5,513 |
| Retained earnings to average equity (ytd only) | 2.2434% | 4,822 |
| Net charge-offs to loans | 0.7483% | 2,552 |
| Credit loss provision to net charge-offs | 110.7212% | 3,822 |
| Earnings coverage of net charge-offs (x) | 1.4620% | 4,630 |
| Efficiency ratio | 82.9138% | 1,959 |
| Assets per employee ($millions) | 2.0239% | 7,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 5,282 |
| Loan loss allowance to noncurrent loans | 49.7590% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 2.8128% | 2,582 |
| Noncurrent loans to loans | 2.4959% | 3,122 |
| Net loans and leases to total assets | 81.8633% | 511 |
| Net loans and leases to deposits | 92.7902% | 1,355 |
| Net loans and leases to core deposits | 117.7339% | 692 |
| Total domestic deposits to total assets | 88.2240% | 1,843 |
| Equity capital to assets | 9.8195% | 4,392 |
| Core capital (leverage) ratio | 9.1905% | 4,387 |
| Tier 1 risk-based capital ratio | 13.3558% | 4,308 |
| Total risk-based capital ratio | 14.5784% | 4,295 |
| Memoranda: | ||
| Average total assets | $226,166,500 | 2,838 |
| Average earning assets | $205,339,500 | 2,846 |
| Average equity | $21,514,250 | 2,982 |
| Average total loans | $182,816,250 | 2,360 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2825% | 3,551 |
| Cost of funding earning assets | 2.3558% | 281 |
| Net interest margin | 2.9267% | 6,977 |
| Noninterest income to average assets | 2.1138% | 328 |
| Noninterest expense to average assets | 3.7882% | 1,378 |
| Loan and lease loss provision to assets | 0.7131% | 2,040 |
| Net operating income to assets | 0.2728% | 5,285 |
| Return on assets (ROA) | 0.2728% | 5,434 |
| Pretax return on assets | 0.2745% | 5,577 |
| Return on Equity (ROE) | 2.8977% | 5,280 |
| Retained earnings to average equity (ytd only) | 2.8977% | 4,295 |
| Net charge-offs to loans | 0.8709% | 2,094 |
| Credit loss provision to net charge-offs | 102.1357% | 3,996 |
| Earnings coverage of net charge-offs (x) | 1.4146% | 4,424 |
| Efficiency ratio | 79.3205% | 2,527 |
| Assets per employee ($millions) | 2.1947% | 7,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 5,469 |
| Loan loss allowance to noncurrent loans | 87.0852% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.8222% | 3,732 |
| Noncurrent loans to loans | 1.3748% | 4,645 |
| Net loans and leases to total assets | 77.9983% | 1,113 |
| Net loans and leases to deposits | 90.5450% | 1,765 |
| Net loans and leases to core deposits | 113.4729% | 944 |
| Total domestic deposits to total assets | 86.1431% | 3,008 |
| Equity capital to assets | 9.3781% | 4,889 |
| Core capital (leverage) ratio | 9.0729% | 4,490 |
| Tier 1 risk-based capital ratio | 13.2121% | 4,280 |
| Total risk-based capital ratio | 14.4617% | 4,235 |
| Memoranda: | ||
| Average total assets | $228,021,330 | 2,840 |
| Average earning assets | $207,403,330 | 2,841 |
| Average equity | $21,465,000 | 2,982 |
| Average total loans | $182,800,670 | 2,391 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2522% | 3,777 |
| Cost of funding earning assets | 2.3742% | 328 |
| Net interest margin | 2.8781% | 7,056 |
| Noninterest income to average assets | 1.6877% | 446 |
| Noninterest expense to average assets | 3.4037% | 2,224 |
| Loan and lease loss provision to assets | 0.5749% | 2,192 |
| Net operating income to assets | 0.3245% | 5,192 |
| Return on assets (ROA) | 0.3245% | 5,321 |
| Pretax return on assets | 0.3280% | 5,528 |
| Return on Equity (ROE) | 3.4405% | 5,147 |
| Retained earnings to average equity (ytd only) | 3.4405% | 4,091 |
| Net charge-offs to loans | 0.5021% | 2,559 |
| Credit loss provision to net charge-offs | 141.7391% | 2,510 |
| Earnings coverage of net charge-offs (x) | 2.2261% | 3,426 |
| Efficiency ratio | 79.0336% | 2,714 |
| Assets per employee ($millions) | 2.8233% | 6,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 5,316 |
| Loan loss allowance to noncurrent loans | 83.9345% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.9507% | 3,561 |
| Noncurrent loans to loans | 1.4690% | 4,539 |
| Net loans and leases to total assets | 79.0543% | 972 |
| Net loans and leases to deposits | 91.8372% | 1,634 |
| Net loans and leases to core deposits | 116.0073% | 946 |
| Total domestic deposits to total assets | 86.0810% | 3,108 |
| Equity capital to assets | 9.3945% | 4,679 |
| Core capital (leverage) ratio | 9.1076% | 4,362 |
| Tier 1 risk-based capital ratio | 12.9744% | 4,348 |
| Total risk-based capital ratio | 14.2257% | 4,327 |
| Memoranda: | ||
| Average total assets | $226,811,500 | 2,906 |
| Average earning assets | $206,388,000 | 2,916 |
| Average equity | $21,392,000 | 3,017 |
| Average total loans | $183,242,000 | 2,450 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6646% | 3,278 |
| Cost of funding earning assets | 2.6900% | 610 |
| Net interest margin | 2.9745% | 6,707 |
| Noninterest income to average assets | 2.0705% | 355 |
| Noninterest expense to average assets | 3.7202% | 1,863 |
| Loan and lease loss provision to assets | 0.4696% | 4,004 |
| Net operating income to assets | 0.5287% | 3,613 |
| Return on assets (ROA) | 0.5287% | 3,705 |
| Pretax return on assets | 0.5314% | 4,107 |
| Return on Equity (ROE) | 5.5685% | 3,395 |
| Retained earnings to average equity (ytd only) | 3.1739% | 2,940 |
| Net charge-offs to loans | 0.3587% | 4,433 |
| Credit loss provision to net charge-offs | 154.9107% | 2,941 |
| Earnings coverage of net charge-offs (x) | 3.3021% | 3,415 |
| Efficiency ratio | 78.7980% | 3,077 |
| Assets per employee ($millions) | 2.8838% | 6,486 |
| Cash dividends to net income (ytd only)* | 43.0034% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 5,486 |
| Loan loss allowance to noncurrent loans | 111.2770% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 1.8703% | 3,568 |
| Noncurrent loans to loans | 1.0587% | 5,204 |
| Net loans and leases to total assets | 80.5914% | 899 |
| Net loans and leases to deposits | 93.7375% | 1,631 |
| Net loans and leases to core deposits | 119.7502% | 1,963 |
| Total domestic deposits to total assets | 85.9756% | 3,031 |
| Equity capital to assets | 9.4694% | 4,458 |
| Core capital (leverage) ratio | 9.0669% | 4,310 |
| Tier 1 risk-based capital ratio | 12.3867% | 4,608 |
| Total risk-based capital ratio | 13.6365% | 4,575 |
| Memoranda: | ||
| Average total assets | $221,681,000 | 2,919 |
| Average earning assets | $197,543,200 | 3,003 |
| Average equity | $21,046,800 | 3,066 |
| Average total loans | $187,345,200 | 2,434 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6702% | 3,474 |
| Cost of funding earning assets | 2.7538% | 680 |
| Net interest margin | 2.9164% | 6,817 |
| Noninterest income to average assets | 2.2499% | 313 |
| Noninterest expense to average assets | 3.7162% | 1,779 |
| Loan and lease loss provision to assets | 0.4998% | 3,396 |
| Net operating income to assets | 0.6169% | 3,547 |
| Return on assets (ROA) | 0.6169% | 3,595 |
| Pretax return on assets | 0.6206% | 4,126 |
| Return on Equity (ROE) | 6.4938% | 3,301 |
| Retained earnings to average equity (ytd only) | 3.2914% | 3,468 |
| Net charge-offs to loans | 0.2959% | 4,174 |
| Credit loss provision to net charge-offs | 198.0861% | 2,262 |
| Earnings coverage of net charge-offs (x) | 4.4402% | 3,135 |
| Efficiency ratio | 76.8347% | 3,352 |
| Assets per employee ($millions) | 2.7109% | 6,825 |
| Cash dividends to net income (ytd only)* | 49.3149% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 5,190 |
| Loan loss allowance to noncurrent loans | 141.9729% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 1.8440% | 3,589 |
| Noncurrent loans to loans | 0.8347% | 5,626 |
| Net loans and leases to total assets | 82.5971% | 729 |
| Net loans and leases to deposits | 96.2084% | 1,544 |
| Net loans and leases to core deposits | 123.2405% | 1,973 |
| Total domestic deposits to total assets | 85.8523% | 2,777 |
| Equity capital to assets | 9.5146% | 4,731 |
| Core capital (leverage) ratio | 8.8899% | 4,827 |
| Tier 1 risk-based capital ratio | 12.0672% | 4,910 |
| Total risk-based capital ratio | 13.3172% | 4,853 |
| Memoranda: | ||
| Average total assets | $220,867,250 | 2,944 |
| Average earning assets | $195,897,250 | 3,046 |
| Average equity | $20,983,500 | 3,104 |
| Average total loans | $188,321,500 | 2,447 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7347% | 3,369 |
| Cost of funding earning assets | 2.7956% | 801 |
| Net interest margin | 2.9391% | 6,711 |
| Noninterest income to average assets | 2.3767% | 285 |
| Noninterest expense to average assets | 3.7079% | 1,827 |
| Loan and lease loss provision to assets | 0.6634% | 2,443 |
| Net operating income to assets | 0.5853% | 3,744 |
| Return on assets (ROA) | 0.5853% | 3,850 |
| Pretax return on assets | 0.5889% | 4,351 |
| Return on Equity (ROE) | 6.1640% | 3,575 |
| Retained earnings to average equity (ytd only) | 6.1640% | 1,942 |
| Net charge-offs to loans | 0.0402% | 5,908 |
| Credit loss provision to net charge-offs | 1,923.6842% | 279 |
| Earnings coverage of net charge-offs (x) | 36.3158% | 871 |
| Efficiency ratio | 74.7530% | 3,914 |
| Assets per employee ($millions) | 2.7938% | 6,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 4,409 |
| Loan loss allowance to noncurrent loans | 173.0501% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 1.6885% | 3,653 |
| Noncurrent loans to loans | 0.7382% | 5,767 |
| Net loans and leases to total assets | 79.0086% | 1,518 |
| Net loans and leases to deposits | 90.8179% | 2,694 |
| Net loans and leases to core deposits | 126.4636% | 1,827 |
| Total domestic deposits to total assets | 86.9967% | 2,260 |
| Equity capital to assets | 8.7537% | 5,677 |
| Core capital (leverage) ratio | 8.9211% | 4,757 |
| Tier 1 risk-based capital ratio | 11.5879% | 5,296 |
| Total risk-based capital ratio | 12.8393% | 5,227 |
| Memoranda: | ||
| Average total assets | $220,393,000 | 2,969 |
| Average earning assets | $193,733,330 | 3,092 |
| Average equity | $20,928,000 | 3,112 |
| Average total loans | $189,159,670 | 2,466 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5784% | 4,475 |
| Cost of funding earning assets | 2.7766% | 1,040 |
| Net interest margin | 2.8018% | 6,987 |
| Noninterest income to average assets | 2.2845% | 287 |
| Noninterest expense to average assets | 3.4631% | 2,194 |
| Loan and lease loss provision to assets | 0.9107% | 1,435 |
| Net operating income to assets | 0.4630% | 4,601 |
| Return on assets (ROA) | 0.4630% | 4,780 |
| Pretax return on assets | 0.4707% | 5,173 |
| Return on Equity (ROE) | 4.6643% | 4,630 |
| Retained earnings to average equity (ytd only) | 4.6643% | 3,329 |
| Net charge-offs to loans | 0.0257% | 5,183 |
| Credit loss provision to net charge-offs | 3,966.6667% | 182 |
| Earnings coverage of net charge-offs (x) | 60.1667% | 647 |
| Efficiency ratio | 71.4850% | 4,273 |
| Assets per employee ($millions) | 2.6035% | 7,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 4,903 |
| Loan loss allowance to noncurrent loans | 77.3397% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.5022% | 3,679 |
| Noncurrent loans to loans | 1.5319% | 3,985 |
| Net loans and leases to total assets | 88.1338% | 252 |
| Net loans and leases to deposits | 103.1800% | 1,072 |
| Net loans and leases to core deposits | 136.1870% | 1,296 |
| Total domestic deposits to total assets | 85.4175% | 3,007 |
| Equity capital to assets | 9.7776% | 4,264 |
| Core capital (leverage) ratio | 9.4628% | 4,030 |
| Tier 1 risk-based capital ratio | 11.5122% | 5,399 |
| Total risk-based capital ratio | 12.7605% | 5,297 |
| Memoranda: | ||
| Average total assets | $209,058,500 | 3,123 |
| Average earning assets | $191,022,500 | 3,138 |
| Average equity | $20,753,500 | 3,145 |
| Average total loans | $186,477,000 | 2,513 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2915% | 4,006 |
| Cost of funding earning assets | 3.2909% | 952 |
| Net interest margin | 3.0006% | 6,916 |
| Noninterest income to average assets | 1.5875% | 555 |
| Noninterest expense to average assets | 3.3122% | 2,932 |
| Loan and lease loss provision to assets | 0.3003% | 3,973 |
| Net operating income to assets | 0.7071% | 3,863 |
| Return on assets (ROA) | 0.7071% | 3,697 |
| Pretax return on assets | 0.7136% | 4,355 |
| Return on Equity (ROE) | 7.4267% | 3,311 |
| Retained earnings to average equity (ytd only) | 0.8496% | 4,714 |
| Net charge-offs to loans | 0.5078% | 2,323 |
| Credit loss provision to net charge-offs | 69.3133% | 6,081 |
| Earnings coverage of net charge-offs (x) | 2.3401% | 4,918 |
| Efficiency ratio | 76.5635% | 3,142 |
| Assets per employee ($millions) | 2.6925% | 6,805 |
| Cash dividends to net income (ytd only)* | 88.5602% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 6,200 |
| Loan loss allowance to noncurrent loans | 157.6077% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.6974% | 5,130 |
| Noncurrent loans to loans | 0.6229% | 5,499 |
| Net loans and leases to total assets | 88.3310% | 339 |
| Net loans and leases to deposits | 104.9256% | 1,246 |
| Net loans and leases to core deposits | 141.3037% | 1,195 |
| Total domestic deposits to total assets | 84.1845% | 3,225 |
| Equity capital to assets | 10.0832% | 3,939 |
| Core capital (leverage) ratio | 9.4444% | 4,098 |
| Tier 1 risk-based capital ratio | 11.6731% | 5,079 |
| Total risk-based capital ratio | 12.6898% | 5,199 |
| Memoranda: | ||
| Average total assets | $215,116,800 | 2,939 |
| Average earning assets | $196,327,800 | 2,936 |
| Average equity | $20,480,200 | 3,158 |
| Average total loans | $183,518,800 | 2,465 |