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Mutual Savings Association, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9641% | 1,226 |
| Cost of funding earning assets | 2.0191% | 1,890 |
| Net interest margin | 3.9450% | 1,391 |
| Noninterest income to average assets | 0.9200% | 655 |
| Noninterest expense to average assets | 2.5577% | 2,133 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 1.5337% | 1,027 |
| Return on assets (ROA) | 1.5134% | 1,067 |
| Pretax return on assets | 1.8968% | 819 |
| Return on Equity (ROE) | 6.5600% | 3,231 |
| Retained earnings to average equity (ytd only) | 6.5555% | 2,130 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 56.7587% | 3,331 |
| Assets per employee ($millions) | 6.9230% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 3,130 |
| Loan loss allowance to noncurrent loans | 224.2537% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 2,108 |
| Noncurrent loans to loans | 0.4535% | 1,989 |
| Net loans and leases to total assets | 63.7800% | 2,525 |
| Net loans and leases to deposits | 95.2087% | 680 |
| Net loans and leases to core deposits | 117.0799% | 632 |
| Total domestic deposits to total assets | 66.9800% | 4,245 |
| Equity capital to assets | 22.8797% | 227 |
| Core capital (leverage) ratio | 23.9247% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.1615% | 186 |
| Memoranda: | ||
| Average total assets | $363,145,500 | 2,200 |
| Average earning assets | $330,446,500 | 2,237 |
| Average equity | $83,837,500 | 1,192 |
| Average total loans | $232,255,500 | 2,204 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8536% | 1,506 |
| Cost of funding earning assets | 2.0330% | 2,147 |
| Net interest margin | 3.8207% | 1,463 |
| Noninterest income to average assets | 0.9700% | 653 |
| Noninterest expense to average assets | 2.4444% | 2,472 |
| Loan and lease loss provision to assets | 0.1600% | 863 |
| Net operating income to assets | 1.4862% | 931 |
| Return on assets (ROA) | 1.4664% | 958 |
| Pretax return on assets | 1.8329% | 783 |
| Return on Equity (ROE) | 6.3900% | 3,185 |
| Retained earnings to average equity (ytd only) | 6.3905% | 1,668 |
| Net charge-offs to loans | 0.1394% | 936 |
| Credit loss provision to net charge-offs | 149.6753% | 1,416 |
| Earnings coverage of net charge-offs (x) | 23.2500% | 1,729 |
| Efficiency ratio | 54.8230% | 3,661 |
| Assets per employee ($millions) | 6.6550% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 3,162 |
| Loan loss allowance to noncurrent loans | 407.4205% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 2,670 |
| Noncurrent loans to loans | 0.2481% | 2,522 |
| Net loans and leases to total assets | 62.8300% | 2,679 |
| Net loans and leases to deposits | 93.6921% | 883 |
| Net loans and leases to core deposits | 116.3075% | 714 |
| Total domestic deposits to total assets | 67.0600% | 4,267 |
| Equity capital to assets | 23.2976% | 219 |
| Core capital (leverage) ratio | 23.9438% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4139% | 194 |
| Memoranda: | ||
| Average total assets | $355,507,800 | 2,214 |
| Average earning assets | $324,995,600 | 2,230 |
| Average equity | $81,574,400 | 1,180 |
| Average total loans | $220,997,800 | 2,238 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8332% | 1,501 |
| Cost of funding earning assets | 2.0198% | 2,159 |
| Net interest margin | 3.8135% | 1,432 |
| Noninterest income to average assets | 0.9500% | 652 |
| Noninterest expense to average assets | 2.4604% | 2,370 |
| Loan and lease loss provision to assets | 0.2000% | 591 |
| Net operating income to assets | 1.4214% | 1,065 |
| Return on assets (ROA) | 1.4039% | 1,094 |
| Pretax return on assets | 1.7560% | 932 |
| Return on Equity (ROE) | 6.1400% | 3,279 |
| Retained earnings to average equity (ytd only) | 6.1439% | 2,040 |
| Net charge-offs to loans | 0.1874% | 621 |
| Credit loss provision to net charge-offs | 133.7662% | 1,386 |
| Earnings coverage of net charge-offs (x) | 17.1136% | 1,851 |
| Efficiency ratio | 55.3797% | 3,606 |
| Assets per employee ($millions) | 6.6989% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 3,239 |
| Loan loss allowance to noncurrent loans | 398.5866% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 2,675 |
| Noncurrent loans to loans | 0.2515% | 2,538 |
| Net loans and leases to total assets | 62.7400% | 2,660 |
| Net loans and leases to deposits | 90.8148% | 1,165 |
| Net loans and leases to core deposits | 114.0935% | 789 |
| Total domestic deposits to total assets | 69.0900% | 4,248 |
| Equity capital to assets | 23.5261% | 204 |
| Core capital (leverage) ratio | 23.9875% | 164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3239% | 192 |
| Memoranda: | ||
| Average total assets | $354,515,250 | 2,207 |
| Average earning assets | $324,385,250 | 2,233 |
| Average equity | $81,010,250 | 1,181 |
| Average total loans | $219,187,000 | 2,238 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7230% | 1,564 |
| Cost of funding earning assets | 2.0167% | 2,082 |
| Net interest margin | 3.7063% | 1,584 |
| Noninterest income to average assets | 0.9600% | 638 |
| Noninterest expense to average assets | 2.4739% | 2,314 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 1.4172% | 1,050 |
| Return on assets (ROA) | 1.3987% | 1,090 |
| Pretax return on assets | 1.7548% | 913 |
| Return on Equity (ROE) | 6.1800% | 3,229 |
| Retained earnings to average equity (ytd only) | 6.1818% | 1,946 |
| Net charge-offs to loans | -0.0083% | 3,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 56.7746% | 3,512 |
| Assets per employee ($millions) | 6.1745% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 3,240 |
| Loan loss allowance to noncurrent loans | 176.3407% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.6797% | 990 |
| Noncurrent loans to loans | 0.5711% | 1,586 |
| Net loans and leases to total assets | 62.4500% | 2,709 |
| Net loans and leases to deposits | 91.6121% | 1,162 |
| Net loans and leases to core deposits | 114.8764% | 802 |
| Total domestic deposits to total assets | 68.1700% | 4,274 |
| Equity capital to assets | 23.1266% | 214 |
| Core capital (leverage) ratio | 23.4449% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0300% | 202 |
| Memoranda: | ||
| Average total assets | $354,339,000 | 2,194 |
| Average earning assets | $324,585,000 | 2,216 |
| Average equity | $80,171,000 | 1,178 |
| Average total loans | $217,245,667 | 2,239 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0641% | 1,943 |
| Cost of funding earning assets | 1.7175% | 1,412 |
| Net interest margin | 3.3466% | 2,521 |
| Noninterest income to average assets | 0.9300% | 719 |
| Noninterest expense to average assets | 2.4435% | 2,463 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.2300% | 1,583 |
| Return on assets (ROA) | 1.1351% | 1,800 |
| Pretax return on assets | 1.3996% | 1,633 |
| Return on Equity (ROE) | 5.1000% | 3,706 |
| Retained earnings to average equity (ytd only) | 5.1021% | 2,576 |
| Net charge-offs to loans | -0.0059% | 3,868 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.1520% | 2,953 |
| Assets per employee ($millions) | 6.4129% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,307 |
| Loan loss allowance to noncurrent loans | 243.8279% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 1,961 |
| Noncurrent loans to loans | 0.4098% | 1,760 |
| Net loans and leases to total assets | 60.4800% | 2,805 |
| Net loans and leases to deposits | 93.8445% | 953 |
| Net loans and leases to core deposits | 112.2738% | 878 |
| Total domestic deposits to total assets | 64.4400% | 4,398 |
| Equity capital to assets | 22.4019% | 228 |
| Core capital (leverage) ratio | 23.7338% | 181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.8910% | 200 |
| Memoranda: | ||
| Average total assets | $343,234,400 | 2,221 |
| Average earning assets | $314,824,800 | 2,224 |
| Average equity | $76,360,600 | 1,170 |
| Average total loans | $204,246,800 | 2,259 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9606% | 1,919 |
| Cost of funding earning assets | 1.6788% | 1,218 |
| Net interest margin | 3.2817% | 2,728 |
| Noninterest income to average assets | 0.9100% | 748 |
| Noninterest expense to average assets | 2.3962% | 2,523 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.2149% | 1,757 |
| Return on assets (ROA) | 1.2212% | 1,726 |
| Pretax return on assets | 1.5142% | 1,527 |
| Return on Equity (ROE) | 5.5000% | 3,729 |
| Retained earnings to average equity (ytd only) | 5.4977% | 2,779 |
| Net charge-offs to loans | -0.0132% | 4,015 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.1866% | 2,819 |
| Assets per employee ($millions) | 6.3805% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 3,257 |
| Loan loss allowance to noncurrent loans | 241.2231% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 1,989 |
| Noncurrent loans to loans | 0.4227% | 1,772 |
| Net loans and leases to total assets | 60.0100% | 2,846 |
| Net loans and leases to deposits | 90.6381% | 1,188 |
| Net loans and leases to core deposits | 107.3134% | 964 |
| Total domestic deposits to total assets | 66.2100% | 4,402 |
| Equity capital to assets | 22.0816% | 238 |
| Core capital (leverage) ratio | 23.4373% | 185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8021% | 195 |
| Memoranda: | ||
| Average total assets | $340,861,500 | 2,233 |
| Average earning assets | $312,510,500 | 2,234 |
| Average equity | $75,714,250 | 1,169 |
| Average total loans | $201,445,250 | 2,278 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8003% | 1,993 |
| Cost of funding earning assets | 1.6016% | 1,063 |
| Net interest margin | 3.1987% | 3,000 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 2.3331% | 2,703 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.2043% | 1,825 |
| Return on assets (ROA) | 1.2172% | 1,772 |
| Pretax return on assets | 1.5081% | 1,587 |
| Return on Equity (ROE) | 5.4700% | 3,811 |
| Retained earnings to average equity (ytd only) | 5.4689% | 2,798 |
| Net charge-offs to loans | -0.0141% | 4,025 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.6645% | 2,873 |
| Assets per employee ($millions) | 6.4874% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 3,263 |
| Loan loss allowance to noncurrent loans | 554.4529% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 2,752 |
| Noncurrent loans to loans | 0.1870% | 2,534 |
| Net loans and leases to total assets | 59.3800% | 2,829 |
| Net loans and leases to deposits | 91.5811% | 1,057 |
| Net loans and leases to core deposits | 107.4289% | 930 |
| Total domestic deposits to total assets | 64.8400% | 4,444 |
| Equity capital to assets | 21.8108% | 232 |
| Core capital (leverage) ratio | 23.3298% | 185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7019% | 193 |
| Memoranda: | ||
| Average total assets | $339,632,333 | 2,242 |
| Average earning assets | $311,441,333 | 2,251 |
| Average equity | $75,591,667 | 1,165 |
| Average total loans | $198,957,333 | 2,296 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6974% | 1,856 |
| Cost of funding earning assets | 1.4519% | 939 |
| Net interest margin | 3.2455% | 3,006 |
| Noninterest income to average assets | 0.8600% | 744 |
| Noninterest expense to average assets | 2.4111% | 2,499 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1449% | 2,083 |
| Return on assets (ROA) | 1.1870% | 1,928 |
| Pretax return on assets | 1.4766% | 1,720 |
| Return on Equity (ROE) | 5.2800% | 3,849 |
| Retained earnings to average equity (ytd only) | 5.2778% | 2,954 |
| Net charge-offs to loans | -0.0021% | 3,430 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.8705% | 2,587 |
| Assets per employee ($millions) | 6.4353% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 3,310 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 57.8500% | 2,880 |
| Net loans and leases to deposits | 86.5240% | 1,315 |
| Net loans and leases to core deposits | 100.2357% | 1,077 |
| Total domestic deposits to total assets | 66.8600% | 4,473 |
| Equity capital to assets | 22.2496% | 189 |
| Core capital (leverage) ratio | 23.7275% | 181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.1700% | 192 |
| Memoranda: | ||
| Average total assets | $334,287,500 | 2,292 |
| Average earning assets | $306,639,000 | 2,312 |
| Average equity | $75,183,500 | 1,180 |
| Average total loans | $193,336,500 | 2,354 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 1,848 |
| Cost of funding earning assets | 0.7781% | 424 |
| Net interest margin | 3.1744% | 2,946 |
| Noninterest income to average assets | 0.9700% | 682 |
| Noninterest expense to average assets | 2.4398% | 2,305 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1704% | 1,891 |
| Return on assets (ROA) | 1.0593% | 2,284 |
| Pretax return on assets | 1.2674% | 2,209 |
| Return on Equity (ROE) | 4.3800% | 4,105 |
| Retained earnings to average equity (ytd only) | 4.3762% | 3,276 |
| Net charge-offs to loans | 0.0024% | 2,430 |
| Credit loss provision to net charge-offs | 1,550.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 1,090.0000% | 168 |
| Efficiency ratio | 63.2130% | 2,603 |
| Assets per employee ($millions) | 6.1793% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 2,072 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 56.4600% | 2,980 |
| Net loans and leases to deposits | 84.0926% | 1,467 |
| Net loans and leases to core deposits | 96.5846% | 1,169 |
| Total domestic deposits to total assets | 67.1400% | 4,516 |
| Equity capital to assets | 22.7417% | 178 |
| Core capital (leverage) ratio | 24.1035% | 173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5983% | 183 |
| Memoranda: | ||
| Average total assets | $307,076,800 | 2,418 |
| Average earning assets | $279,641,000 | 2,445 |
| Average equity | $74,334,200 | 1,193 |
| Average total loans | $168,381,800 | 2,473 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7766% | 1,825 |
| Cost of funding earning assets | 0.6351% | 362 |
| Net interest margin | 3.1415% | 2,798 |
| Noninterest income to average assets | 0.9800% | 698 |
| Noninterest expense to average assets | 2.4633% | 2,115 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.1353% | 1,951 |
| Return on assets (ROA) | 0.9899% | 2,481 |
| Pretax return on assets | 1.1771% | 2,464 |
| Return on Equity (ROE) | 4.0200% | 4,148 |
| Retained earnings to average equity (ytd only) | 4.0234% | 3,436 |
| Net charge-offs to loans | 0.0033% | 2,106 |
| Credit loss provision to net charge-offs | 1,550.0000% | 297 |
| Earnings coverage of net charge-offs (x) | 780.0000% | 210 |
| Efficiency ratio | 64.1338% | 2,533 |
| Assets per employee ($millions) | 6.4664% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 1,923 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 54.6400% | 3,037 |
| Net loans and leases to deposits | 80.1389% | 1,568 |
| Net loans and leases to core deposits | 91.0883% | 1,230 |
| Total domestic deposits to total assets | 68.1800% | 4,562 |
| Equity capital to assets | 22.4537% | 169 |
| Core capital (leverage) ratio | 25.0279% | 149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5560% | 186 |
| Memoranda: | ||
| Average total assets | $301,970,000 | 2,461 |
| Average earning assets | $274,598,500 | 2,482 |
| Average equity | $74,297,750 | 1,208 |
| Average total loans | $163,655,500 | 2,510 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7029% | 1,530 |
| Cost of funding earning assets | 0.5846% | 314 |
| Net interest margin | 3.1183% | 2,477 |
| Noninterest income to average assets | 0.9740% | 710 |
| Noninterest expense to average assets | 2.4989% | 1,935 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1063% | 1,751 |
| Return on assets (ROA) | 0.9449% | 2,354 |
| Pretax return on assets | 1.1145% | 2,351 |
| Return on Equity (ROE) | 3.7214% | 4,092 |
| Retained earnings to average equity (ytd only) | 3.7214% | 3,196 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7036% | 2,557 |
| Assets per employee ($millions) | 5.7866% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 1,870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.1404% | 2,840 |
| Net loans and leases to deposits | 75.6757% | 1,711 |
| Net loans and leases to core deposits | 84.3474% | 1,433 |
| Total domestic deposits to total assets | 72.8640% | 4,566 |
| Equity capital to assets | 24.4667% | 101 |
| Core capital (leverage) ratio | 25.6401% | 97 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.5593% | 132 |
| Memoranda: | ||
| Average total assets | $294,853,667 | 2,511 |
| Average earning assets | $267,519,667 | 2,554 |
| Average equity | $74,864,667 | 1,230 |
| Average total loans | $158,530,000 | 2,564 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5994% | 1,507 |
| Cost of funding earning assets | 0.5674% | 326 |
| Net interest margin | 3.0319% | 2,393 |
| Noninterest income to average assets | 1.0390% | 634 |
| Noninterest expense to average assets | 2.5344% | 1,798 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0604% | 1,652 |
| Return on assets (ROA) | 0.9787% | 1,970 |
| Pretax return on assets | 1.1610% | 1,950 |
| Return on Equity (ROE) | 3.7835% | 3,932 |
| Retained earnings to average equity (ytd only) | 3.7835% | 3,015 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8233% | 2,661 |
| Assets per employee ($millions) | 6.1313% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 1,654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 52.6447% | 2,923 |
| Net loans and leases to deposits | 74.5987% | 1,555 |
| Net loans and leases to core deposits | 81.2683% | 1,401 |
| Total domestic deposits to total assets | 70.5706% | 4,654 |
| Equity capital to assets | 25.3543% | 87 |
| Core capital (leverage) ratio | 25.8042% | 86 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.1126% | 98 |
| Memoranda: | ||
| Average total assets | $291,829,000 | 2,539 |
| Average earning assets | $265,045,500 | 2,583 |
| Average equity | $75,486,500 | 1,247 |
| Average total loans | $153,680,000 | 2,601 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6200% | 2,330 |
| Cost of funding earning assets | 0.6096% | 518 |
| Net interest margin | 3.0104% | 3,170 |
| Noninterest income to average assets | 1.5809% | 453 |
| Noninterest expense to average assets | 2.5037% | 2,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4833% | 1,054 |
| Return on assets (ROA) | 1.4601% | 1,172 |
| Pretax return on assets | 1.7751% | 967 |
| Return on Equity (ROE) | 5.3408% | 3,922 |
| Retained earnings to average equity (ytd only) | 5.3408% | 2,651 |
| Net charge-offs to loans | -0.0810% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1302% | 3,426 |
| Assets per employee ($millions) | 6.0283% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 1,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2115% | 2,505 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 51.0802% | 3,168 |
| Net loans and leases to deposits | 73.4433% | 1,775 |
| Net loans and leases to core deposits | 80.4647% | 1,557 |
| Total domestic deposits to total assets | 69.5504% | 4,693 |
| Equity capital to assets | 26.3878% | 82 |
| Core capital (leverage) ratio | 25.9429% | 87 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.2150% | 98 |
| Memoranda: | ||
| Average total assets | $272,438,200 | 2,586 |
| Average earning assets | $246,710,000 | 2,637 |
| Average equity | $74,482,600 | 1,283 |
| Average total loans | $138,320,600 | 2,746 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6070% | 2,539 |
| Cost of funding earning assets | 0.6180% | 583 |
| Net interest margin | 2.9889% | 3,334 |
| Noninterest income to average assets | 1.6703% | 452 |
| Noninterest expense to average assets | 2.5318% | 2,028 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5118% | 1,243 |
| Return on assets (ROA) | 1.4804% | 1,370 |
| Pretax return on assets | 1.8025% | 1,156 |
| Return on Equity (ROE) | 5.3646% | 4,048 |
| Retained earnings to average equity (ytd only) | 5.3646% | 3,082 |
| Net charge-offs to loans | -0.1103% | 4,646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9013% | 3,274 |
| Assets per employee ($millions) | 5.9325% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 1,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2684% | 454 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 50.4383% | 3,357 |
| Net loans and leases to deposits | 73.0277% | 1,956 |
| Net loans and leases to core deposits | 80.2925% | 1,705 |
| Total domestic deposits to total assets | 69.0673% | 4,758 |
| Equity capital to assets | 26.5315% | 84 |
| Core capital (leverage) ratio | 26.3632% | 84 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.5286% | 116 |
| Memoranda: | ||
| Average total assets | $268,208,500 | 2,632 |
| Average earning assets | $242,487,750 | 2,682 |
| Average equity | $74,014,500 | 1,304 |
| Average total loans | $135,372,000 | 2,820 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5876% | 2,668 |
| Cost of funding earning assets | 0.6296% | 642 |
| Net interest margin | 2.9581% | 3,428 |
| Noninterest income to average assets | 1.2532% | 744 |
| Noninterest expense to average assets | 2.5018% | 2,136 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1903% | 2,225 |
| Return on assets (ROA) | 1.1557% | 2,406 |
| Pretax return on assets | 1.3788% | 2,396 |
| Return on Equity (ROE) | 4.1305% | 4,310 |
| Retained earnings to average equity (ytd only) | 4.1305% | 3,482 |
| Net charge-offs to loans | -0.0076% | 3,566 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7934% | 2,457 |
| Assets per employee ($millions) | 5.3969% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 1,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 2,397 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 49.1649% | 3,637 |
| Net loans and leases to deposits | 71.8491% | 2,221 |
| Net loans and leases to core deposits | 79.1926% | 1,943 |
| Total domestic deposits to total assets | 68.4280% | 4,782 |
| Equity capital to assets | 26.9662% | 79 |
| Core capital (leverage) ratio | 26.7500% | 76 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.6835% | 106 |
| Memoranda: | ||
| Average total assets | $262,691,333 | 2,661 |
| Average earning assets | $236,979,667 | 2,708 |
| Average equity | $73,502,333 | 1,308 |
| Average total loans | $131,849,667 | 2,879 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6703% | 2,435 |
| Cost of funding earning assets | 0.6209% | 795 |
| Net interest margin | 3.0493% | 3,128 |
| Noninterest income to average assets | 1.1201% | 952 |
| Noninterest expense to average assets | 2.6270% | 1,811 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0685% | 2,576 |
| Return on assets (ROA) | 1.0202% | 2,831 |
| Pretax return on assets | 1.1871% | 2,881 |
| Return on Equity (ROE) | 3.5766% | 4,361 |
| Retained earnings to average equity (ytd only) | 3.5766% | 3,615 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8759% | 1,947 |
| Assets per employee ($millions) | 5.1537% | 3,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6468% | 1,178 |
| Loan loss allowance to noncurrent loans | 430.1370% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 1,949 |
| Noncurrent loans to loans | 0.3829% | 2,721 |
| Net loans and leases to total assets | 48.9847% | 3,710 |
| Net loans and leases to deposits | 72.2008% | 2,291 |
| Net loans and leases to core deposits | 79.7795% | 2,026 |
| Total domestic deposits to total assets | 67.8451% | 4,806 |
| Equity capital to assets | 27.2809% | 74 |
| Core capital (leverage) ratio | 28.4605% | 72 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.3526% | 103 |
| Memoranda: | ||
| Average total assets | $256,416,500 | 2,697 |
| Average earning assets | $231,264,500 | 2,738 |
| Average equity | $73,142,500 | 1,307 |
| Average total loans | $129,012,000 | 2,913 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 2,293 |
| Cost of funding earning assets | 0.7495% | 1,450 |
| Net interest margin | 3.3967% | 2,789 |
| Noninterest income to average assets | 1.7122% | 428 |
| Noninterest expense to average assets | 2.5902% | 2,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.8029% | 387 |
| Return on assets (ROA) | 1.7258% | 505 |
| Pretax return on assets | 2.0940% | 363 |
| Return on Equity (ROE) | 5.7855% | 3,646 |
| Retained earnings to average equity (ytd only) | 5.7855% | 1,907 |
| Net charge-offs to loans | -0.2459% | 4,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2099% | 4,191 |
| Assets per employee ($millions) | 5.3227% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7647% | 918 |
| Loan loss allowance to noncurrent loans | 430.1370% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.8540% | 1,177 |
| Noncurrent loans to loans | 0.4103% | 2,747 |
| Net loans and leases to total assets | 49.9724% | 3,826 |
| Net loans and leases to deposits | 77.4329% | 2,130 |
| Net loans and leases to core deposits | 81.1517% | 2,263 |
| Total domestic deposits to total assets | 64.5365% | 4,872 |
| Equity capital to assets | 29.8865% | 66 |
| Core capital (leverage) ratio | 29.1487% | 63 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.5982% | 81 |
| Memoranda: | ||
| Average total assets | $234,148,800 | 2,692 |
| Average earning assets | $211,353,600 | 2,739 |
| Average equity | $69,847,000 | 1,297 |
| Average total loans | $124,872,600 | 2,925 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2570% | 2,230 |
| Cost of funding earning assets | 0.7722% | 1,622 |
| Net interest margin | 3.4848% | 2,638 |
| Noninterest income to average assets | 1.6365% | 443 |
| Noninterest expense to average assets | 2.6287% | 2,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.7757% | 480 |
| Return on assets (ROA) | 1.6959% | 640 |
| Pretax return on assets | 2.0575% | 462 |
| Return on Equity (ROE) | 5.6853% | 3,667 |
| Retained earnings to average equity (ytd only) | 5.6853% | 2,248 |
| Net charge-offs to loans | -0.3329% | 4,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9537% | 4,044 |
| Assets per employee ($millions) | 5.2090% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7905% | 741 |
| Loan loss allowance to noncurrent loans | 135.7979% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 1.1836% | 858 |
| Noncurrent loans to loans | 1.3185% | 1,123 |
| Net loans and leases to total assets | 50.4514% | 4,077 |
| Net loans and leases to deposits | 78.6033% | 2,466 |
| Net loans and leases to core deposits | 82.8216% | 2,595 |
| Total domestic deposits to total assets | 64.1847% | 4,888 |
| Equity capital to assets | 29.9854% | 60 |
| Core capital (leverage) ratio | 28.0703% | 72 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.6121% | 93 |
| Memoranda: | ||
| Average total assets | $231,539,250 | 2,692 |
| Average earning assets | $209,095,250 | 2,734 |
| Average equity | $69,065,750 | 1,299 |
| Average total loans | $124,952,750 | 2,929 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2957% | 2,485 |
| Cost of funding earning assets | 0.7414% | 2,171 |
| Net interest margin | 3.5543% | 2,625 |
| Noninterest income to average assets | 1.3625% | 556 |
| Noninterest expense to average assets | 2.5108% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7011% | 622 |
| Return on assets (ROA) | 1.5792% | 864 |
| Pretax return on assets | 1.9139% | 658 |
| Return on Equity (ROE) | 5.3039% | 3,746 |
| Retained earnings to average equity (ytd only) | 5.3039% | 2,347 |
| Net charge-offs to loans | -0.5336% | 5,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9226% | 4,072 |
| Assets per employee ($millions) | 5.1094% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7487% | 735 |
| Loan loss allowance to noncurrent loans | 81.2409% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.6591% | 517 |
| Noncurrent loans to loans | 2.1524% | 592 |
| Net loans and leases to total assets | 50.9973% | 4,101 |
| Net loans and leases to deposits | 77.5467% | 2,708 |
| Net loans and leases to core deposits | 85.5339% | 2,481 |
| Total domestic deposits to total assets | 65.7634% | 4,886 |
| Equity capital to assets | 28.6575% | 69 |
| Core capital (leverage) ratio | 28.4064% | 69 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.1742% | 111 |
| Memoranda: | ||
| Average total assets | $228,848,000 | 2,687 |
| Average earning assets | $206,624,667 | 2,736 |
| Average equity | $68,138,000 | 1,301 |
| Average total loans | $125,573,000 | 2,910 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0504% | 3,653 |
| Cost of funding earning assets | 0.7176% | 2,855 |
| Net interest margin | 3.3328% | 3,507 |
| Noninterest income to average assets | 1.0333% | 800 |
| Noninterest expense to average assets | 2.6522% | 2,832 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1456% | 1,698 |
| Return on assets (ROA) | 1.1185% | 1,883 |
| Pretax return on assets | 1.3542% | 1,704 |
| Return on Equity (ROE) | 3.6800% | 4,043 |
| Retained earnings to average equity (ytd only) | 3.6800% | 2,810 |
| Net charge-offs to loans | -0.8083% | 5,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6643% | 3,013 |
| Assets per employee ($millions) | 5.0570% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7360% | 814 |
| Loan loss allowance to noncurrent loans | 63.0218% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.8416% | 483 |
| Noncurrent loans to loans | 2.7547% | 415 |
| Net loans and leases to total assets | 52.1679% | 4,103 |
| Net loans and leases to deposits | 78.7697% | 2,802 |
| Net loans and leases to core deposits | 87.2217% | 2,579 |
| Total domestic deposits to total assets | 66.2283% | 4,955 |
| Equity capital to assets | 28.7451% | 76 |
| Core capital (leverage) ratio | 31.4160% | 59 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.3193% | 103 |
| Memoranda: | ||
| Average total assets | $220,646,000 | 2,708 |
| Average earning assets | $198,991,500 | 2,748 |
| Average equity | $67,065,500 | 1,313 |
| Average total loans | $124,710,500 | 2,902 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 2,290 |
| Cost of funding earning assets | 0.7188% | 3,076 |
| Net interest margin | 3.9923% | 1,878 |
| Noninterest income to average assets | 1.0742% | 823 |
| Noninterest expense to average assets | 2.7171% | 2,839 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5768% | 881 |
| Return on assets (ROA) | 1.5487% | 999 |
| Pretax return on assets | 1.9207% | 711 |
| Return on Equity (ROE) | 5.0795% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.0795% | 2,378 |
| Net charge-offs to loans | -0.1999% | 5,060 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1512% | 3,940 |
| Assets per employee ($millions) | 4.4397% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 1,225 |
| Loan loss allowance to noncurrent loans | 55.6962% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 2.1225% | 358 |
| Noncurrent loans to loans | 2.6977% | 386 |
| Net loans and leases to total assets | 59.4389% | 3,637 |
| Net loans and leases to deposits | 89.8657% | 1,607 |
| Net loans and leases to core deposits | 96.6447% | 1,840 |
| Total domestic deposits to total assets | 66.1419% | 5,027 |
| Equity capital to assets | 32.2345% | 60 |
| Core capital (leverage) ratio | 31.1673% | 66 |
| Tier 1 risk-based capital ratio | 51.1383% | 127 |
| Total risk-based capital ratio | 52.3907% | 127 |
| Memoranda: | ||
| Average total assets | $213,465,800 | 2,723 |
| Average earning assets | $192,393,800 | 2,778 |
| Average equity | $65,085,600 | 1,292 |
| Average total loans | $128,546,800 | 2,839 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 3,281 |
| Cost of funding earning assets | 0.7087% | 3,167 |
| Net interest margin | 3.7127% | 2,875 |
| Noninterest income to average assets | 1.0515% | 835 |
| Noninterest expense to average assets | 2.7447% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3417% | 1,672 |
| Return on assets (ROA) | 1.3633% | 1,671 |
| Pretax return on assets | 1.6820% | 1,392 |
| Return on Equity (ROE) | 4.5344% | 4,471 |
| Retained earnings to average equity (ytd only) | 4.5344% | 3,126 |
| Net charge-offs to loans | -0.2033% | 5,111 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3800% | 3,267 |
| Assets per employee ($millions) | 4.6705% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 1,430 |
| Loan loss allowance to noncurrent loans | 57.8283% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 2.0550% | 414 |
| Noncurrent loans to loans | 2.4859% | 470 |
| Net loans and leases to total assets | 58.4645% | 3,830 |
| Net loans and leases to deposits | 86.7411% | 2,101 |
| Net loans and leases to core deposits | 94.3811% | 2,148 |
| Total domestic deposits to total assets | 67.4011% | 5,074 |
| Equity capital to assets | 30.8646% | 67 |
| Core capital (leverage) ratio | 30.4650% | 68 |
| Tier 1 risk-based capital ratio | 51.3229% | 127 |
| Total risk-based capital ratio | 52.5756% | 125 |
| Memoranda: | ||
| Average total assets | $214,665,250 | 2,732 |
| Average earning assets | $193,602,000 | 2,786 |
| Average equity | $64,541,250 | 1,302 |
| Average total loans | $129,203,000 | 2,865 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4447% | 3,196 |
| Cost of funding earning assets | 0.6887% | 3,225 |
| Net interest margin | 3.7559% | 2,732 |
| Noninterest income to average assets | 0.9031% | 1,067 |
| Noninterest expense to average assets | 2.7483% | 2,757 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2538% | 1,944 |
| Return on assets (ROA) | 1.2591% | 1,986 |
| Pretax return on assets | 1.5461% | 1,713 |
| Return on Equity (ROE) | 4.2251% | 4,535 |
| Retained earnings to average equity (ytd only) | 4.2251% | 3,136 |
| Net charge-offs to loans | -0.0139% | 4,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0948% | 3,119 |
| Assets per employee ($millions) | 4.6122% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,233 |
| Loan loss allowance to noncurrent loans | 43.6040% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 2.3739% | 322 |
| Noncurrent loans to loans | 2.8729% | 368 |
| Net loans and leases to total assets | 59.7459% | 3,761 |
| Net loans and leases to deposits | 87.4828% | 2,062 |
| Net loans and leases to core deposits | 95.7023% | 2,100 |
| Total domestic deposits to total assets | 68.2945% | 5,095 |
| Equity capital to assets | 30.0240% | 69 |
| Core capital (leverage) ratio | 30.3490% | 68 |
| Tier 1 risk-based capital ratio | 51.1175% | 127 |
| Total risk-based capital ratio | 52.3696% | 127 |
| Memoranda: | ||
| Average total assets | $214,605,330 | 2,739 |
| Average earning assets | $193,400,330 | 2,793 |
| Average equity | $63,951,330 | 1,306 |
| Average total loans | $129,790,670 | 2,872 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 3,800 |
| Cost of funding earning assets | 0.6783% | 3,161 |
| Net interest margin | 3.5436% | 3,450 |
| Noninterest income to average assets | 0.7831% | 1,328 |
| Noninterest expense to average assets | 2.6639% | 3,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0816% | 2,541 |
| Return on assets (ROA) | 1.0210% | 2,811 |
| Pretax return on assets | 1.2364% | 2,677 |
| Return on Equity (ROE) | 3.4393% | 4,689 |
| Retained earnings to average equity (ytd only) | 3.4393% | 3,538 |
| Net charge-offs to loans | -0.0124% | 4,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0438% | 2,792 |
| Assets per employee ($millions) | 4.5348% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,243 |
| Loan loss allowance to noncurrent loans | 35.7782% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 2.8681% | 225 |
| Noncurrent loans to loans | 3.5410% | 254 |
| Net loans and leases to total assets | 59.9303% | 3,715 |
| Net loans and leases to deposits | 87.5819% | 1,927 |
| Net loans and leases to core deposits | 93.6905% | 2,157 |
| Total domestic deposits to total assets | 68.4277% | 5,161 |
| Equity capital to assets | 29.9893% | 70 |
| Core capital (leverage) ratio | 30.1227% | 71 |
| Tier 1 risk-based capital ratio | 50.0911% | 129 |
| Total risk-based capital ratio | 51.3414% | 127 |
| Memoranda: | ||
| Average total assets | $213,521,500 | 2,775 |
| Average earning assets | $192,233,500 | 2,830 |
| Average equity | $63,385,000 | 1,308 |
| Average total loans | $129,108,000 | 2,914 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0852% | 3,782 |
| Cost of funding earning assets | 0.5869% | 2,808 |
| Net interest margin | 3.4983% | 3,710 |
| Noninterest income to average assets | 0.8946% | 1,189 |
| Noninterest expense to average assets | 2.5902% | 3,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1823% | 2,255 |
| Return on assets (ROA) | 1.0343% | 2,852 |
| Pretax return on assets | 1.2642% | 2,639 |
| Return on Equity (ROE) | 3.5262% | 4,816 |
| Retained earnings to average equity (ytd only) | 3.5262% | 3,650 |
| Net charge-offs to loans | 0.1613% | 1,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 15.2050% | 2,339 |
| Efficiency ratio | 64.1940% | 3,161 |
| Assets per employee ($millions) | 4.6502% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 2,201 |
| Loan loss allowance to noncurrent loans | 35.6675% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 2.9246% | 223 |
| Noncurrent loans to loans | 3.5578% | 241 |
| Net loans and leases to total assets | 59.4693% | 3,823 |
| Net loans and leases to deposits | 89.3322% | 1,885 |
| Net loans and leases to core deposits | 97.1706% | 1,954 |
| Total domestic deposits to total assets | 66.5710% | 5,238 |
| Equity capital to assets | 29.3829% | 70 |
| Core capital (leverage) ratio | 29.8264% | 72 |
| Tier 1 risk-based capital ratio | 49.3322% | 138 |
| Total risk-based capital ratio | 50.5822% | 137 |
| Memoranda: | ||
| Average total assets | $210,482,000 | 2,761 |
| Average earning assets | $188,950,200 | 2,838 |
| Average equity | $61,738,200 | 1,287 |
| Average total loans | $123,971,200 | 2,950 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0352% | 3,828 |
| Cost of funding earning assets | 0.5678% | 2,721 |
| Net interest margin | 3.4673% | 3,811 |
| Noninterest income to average assets | 0.9159% | 1,152 |
| Noninterest expense to average assets | 2.5899% | 3,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1694% | 2,366 |
| Return on assets (ROA) | 1.0654% | 2,819 |
| Pretax return on assets | 1.3083% | 2,591 |
| Return on Equity (ROE) | 3.6337% | 4,894 |
| Retained earnings to average equity (ytd only) | 3.6337% | 3,945 |
| Net charge-offs to loans | 0.2172% | 784 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 11.2950% | 2,524 |
| Efficiency ratio | 64.3184% | 3,128 |
| Assets per employee ($millions) | 4.8239% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 2,182 |
| Loan loss allowance to noncurrent loans | 37.4341% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 2.8914% | 263 |
| Noncurrent loans to loans | 3.4248% | 284 |
| Net loans and leases to total assets | 59.2769% | 3,923 |
| Net loans and leases to deposits | 87.5760% | 2,203 |
| Net loans and leases to core deposits | 93.1047% | 2,384 |
| Total domestic deposits to total assets | 67.6862% | 5,291 |
| Equity capital to assets | 29.2981% | 69 |
| Core capital (leverage) ratio | 29.9194% | 68 |
| Tier 1 risk-based capital ratio | 48.5851% | 144 |
| Total risk-based capital ratio | 49.8350% | 143 |
| Memoranda: | ||
| Average total assets | $209,625,750 | 2,794 |
| Average earning assets | $188,074,750 | 2,869 |
| Average equity | $61,459,750 | 1,295 |
| Average total loans | $122,753,000 | 2,991 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 3,724 |
| Cost of funding earning assets | 0.5566% | 2,553 |
| Net interest margin | 3.4636% | 3,754 |
| Noninterest income to average assets | 0.8604% | 1,287 |
| Noninterest expense to average assets | 2.6213% | 3,258 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1210% | 2,513 |
| Return on assets (ROA) | 0.9619% | 3,190 |
| Pretax return on assets | 1.1535% | 3,121 |
| Return on Equity (ROE) | 3.2801% | 4,968 |
| Retained earnings to average equity (ytd only) | 3.2801% | 3,931 |
| Net charge-offs to loans | -0.0033% | 4,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0870% | 2,963 |
| Assets per employee ($millions) | 4.5115% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5043% | 1,381 |
| Loan loss allowance to noncurrent loans | 41.5761% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 3.1205% | 226 |
| Noncurrent loans to loans | 3.6181% | 268 |
| Net loans and leases to total assets | 57.9272% | 3,998 |
| Net loans and leases to deposits | 84.2593% | 2,510 |
| Net loans and leases to core deposits | 88.2877% | 2,694 |
| Total domestic deposits to total assets | 68.7488% | 5,318 |
| Equity capital to assets | 29.6785% | 69 |
| Core capital (leverage) ratio | 30.0179% | 71 |
| Tier 1 risk-based capital ratio | 49.7184% | 136 |
| Total risk-based capital ratio | 50.9721% | 135 |
| Memoranda: | ||
| Average total assets | $208,750,000 | 2,822 |
| Average earning assets | $187,203,000 | 2,887 |
| Average equity | $61,217,670 | 1,302 |
| Average total loans | $121,187,000 | 3,021 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9897% | 3,642 |
| Cost of funding earning assets | 0.5554% | 2,355 |
| Net interest margin | 3.4344% | 3,761 |
| Noninterest income to average assets | 0.8311% | 1,359 |
| Noninterest expense to average assets | 2.7054% | 3,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9260% | 3,177 |
| Return on assets (ROA) | 0.7222% | 4,024 |
| Pretax return on assets | 0.9515% | 3,700 |
| Return on Equity (ROE) | 2.4774% | 5,112 |
| Retained earnings to average equity (ytd only) | 2.4774% | 4,176 |
| Net charge-offs to loans | -0.0033% | 3,899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1069% | 2,645 |
| Assets per employee ($millions) | 4.5402% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 1,306 |
| Loan loss allowance to noncurrent loans | 30.5630% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 3.7970% | 175 |
| Noncurrent loans to loans | 5.0541% | 144 |
| Net loans and leases to total assets | 56.0025% | 4,123 |
| Net loans and leases to deposits | 80.5260% | 2,748 |
| Net loans and leases to core deposits | 85.6731% | 2,834 |
| Total domestic deposits to total assets | 69.5458% | 5,376 |
| Equity capital to assets | 29.2720% | 70 |
| Core capital (leverage) ratio | 29.3158% | 69 |
| Tier 1 risk-based capital ratio | 49.7454% | 131 |
| Total risk-based capital ratio | 50.9996% | 131 |
| Memoranda: | ||
| Average total assets | $209,359,500 | 2,853 |
| Average earning assets | $187,983,000 | 2,906 |
| Average equity | $61,030,500 | 1,311 |
| Average total loans | $120,754,000 | 3,057 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7065% | 4,319 |
| Cost of funding earning assets | 0.4942% | 2,383 |
| Net interest margin | 3.2122% | 4,416 |
| Noninterest income to average assets | 0.9911% | 1,040 |
| Noninterest expense to average assets | 2.5248% | 3,699 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3195% | 4,897 |
| Return on assets (ROA) | 0.2314% | 5,062 |
| Pretax return on assets | 1.1735% | 2,879 |
| Return on Equity (ROE) | 0.7737% | 5,273 |
| Retained earnings to average equity (ytd only) | 0.7737% | 4,731 |
| Net charge-offs to loans | -0.1084% | 5,389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8191% | 3,305 |
| Assets per employee ($millions) | 4.5624% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 1,427 |
| Loan loss allowance to noncurrent loans | 30.3829% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 3.8176% | 162 |
| Noncurrent loans to loans | 4.9163% | 143 |
| Net loans and leases to total assets | 57.5973% | 4,051 |
| Net loans and leases to deposits | 82.5204% | 2,667 |
| Net loans and leases to core deposits | 90.4865% | 2,515 |
| Total domestic deposits to total assets | 69.7976% | 5,414 |
| Equity capital to assets | 29.0307% | 67 |
| Core capital (leverage) ratio | 28.9858% | 67 |
| Tier 1 risk-based capital ratio | 49.0418% | 123 |
| Total risk-based capital ratio | 50.2948% | 122 |
| Memoranda: | ||
| Average total assets | $204,012,400 | 2,887 |
| Average earning assets | $180,683,800 | 2,958 |
| Average equity | $61,008,800 | 1,294 |
| Average total loans | $116,227,400 | 3,104 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6603% | 4,421 |
| Cost of funding earning assets | 0.4759% | 2,468 |
| Net interest margin | 3.1844% | 4,494 |
| Noninterest income to average assets | 1.0315% | 957 |
| Noninterest expense to average assets | 2.5376% | 3,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9553% | 2,743 |
| Return on assets (ROA) | 0.8900% | 3,129 |
| Pretax return on assets | 1.2145% | 2,842 |
| Return on Equity (ROE) | 2.9537% | 5,121 |
| Retained earnings to average equity (ytd only) | 2.9537% | 4,155 |
| Net charge-offs to loans | -0.1384% | 5,460 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0555% | 3,199 |
| Assets per employee ($millions) | 4.4927% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 1,402 |
| Loan loss allowance to noncurrent loans | 29.1973% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 4.3714% | 142 |
| Noncurrent loans to loans | 5.2597% | 145 |
| Net loans and leases to total assets | 56.6524% | 4,182 |
| Net loans and leases to deposits | 82.3352% | 2,738 |
| Net loans and leases to core deposits | 88.4416% | 2,729 |
| Total domestic deposits to total assets | 68.8070% | 5,512 |
| Equity capital to assets | 29.9276% | 63 |
| Core capital (leverage) ratio | 30.1125% | 60 |
| Tier 1 risk-based capital ratio | 49.2816% | 129 |
| Total risk-based capital ratio | 50.5354% | 130 |
| Memoranda: | ||
| Average total assets | $202,547,750 | 2,928 |
| Average earning assets | $178,740,000 | 3,001 |
| Average equity | $61,029,250 | 1,301 |
| Average total loans | $114,606,000 | 3,155 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6418% | 4,388 |
| Cost of funding earning assets | 0.4595% | 2,517 |
| Net interest margin | 3.1823% | 4,471 |
| Noninterest income to average assets | 1.0468% | 932 |
| Noninterest expense to average assets | 2.5271% | 3,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9623% | 2,600 |
| Return on assets (ROA) | 0.9166% | 2,878 |
| Pretax return on assets | 1.2596% | 2,537 |
| Return on Equity (ROE) | 3.0351% | 5,114 |
| Retained earnings to average equity (ytd only) | 3.0351% | 3,907 |
| Net charge-offs to loans | -0.4082% | 5,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6508% | 3,404 |
| Assets per employee ($millions) | 4.2864% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6815% | 1,099 |
| Loan loss allowance to noncurrent loans | 30.8550% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 4.4283% | 141 |
| Noncurrent loans to loans | 5.4496% | 123 |
| Net loans and leases to total assets | 55.0769% | 4,304 |
| Net loans and leases to deposits | 79.8409% | 2,927 |
| Net loans and leases to core deposits | 85.0584% | 2,966 |
| Total domestic deposits to total assets | 68.9833% | 5,571 |
| Equity capital to assets | 29.8206% | 58 |
| Core capital (leverage) ratio | 30.1818% | 57 |
| Tier 1 risk-based capital ratio | 49.9976% | 118 |
| Total risk-based capital ratio | 51.2518% | 118 |
| Memoranda: | ||
| Average total assets | $201,176,330 | 2,958 |
| Average earning assets | $177,166,000 | 3,025 |
| Average equity | $60,756,000 | 1,307 |
| Average total loans | $113,173,000 | 3,175 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6031% | 4,413 |
| Cost of funding earning assets | 0.4424% | 2,592 |
| Net interest margin | 3.1607% | 4,468 |
| Noninterest income to average assets | 0.7703% | 1,665 |
| Noninterest expense to average assets | 2.5682% | 3,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7316% | 3,551 |
| Return on assets (ROA) | 0.6878% | 3,796 |
| Pretax return on assets | 0.9171% | 3,702 |
| Return on Equity (ROE) | 2.2628% | 5,290 |
| Retained earnings to average equity (ytd only) | 2.2628% | 4,234 |
| Net charge-offs to loans | -0.1427% | 5,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4745% | 2,493 |
| Assets per employee ($millions) | 4.4297% | 3,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 1,504 |
| Loan loss allowance to noncurrent loans | 25.5556% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 5.1378% | 109 |
| Noncurrent loans to loans | 6.0723% | 112 |
| Net loans and leases to total assets | 54.4225% | 4,306 |
| Net loans and leases to deposits | 78.7426% | 2,899 |
| Net loans and leases to core deposits | 83.7657% | 2,924 |
| Total domestic deposits to total assets | 69.1144% | 5,653 |
| Equity capital to assets | 29.7411% | 64 |
| Core capital (leverage) ratio | 30.9508% | 63 |
| Tier 1 risk-based capital ratio | 50.4596% | 126 |
| Total risk-based capital ratio | 51.7134% | 123 |
| Memoranda: | ||
| Average total assets | $198,891,000 | 3,007 |
| Average earning assets | $174,517,000 | 3,083 |
| Average equity | $60,456,500 | 1,312 |
| Average total loans | $112,131,000 | 3,218 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7828% | 3,963 |
| Cost of funding earning assets | 0.4671% | 2,382 |
| Net interest margin | 3.3157% | 4,097 |
| Noninterest income to average assets | 0.9991% | 1,149 |
| Noninterest expense to average assets | 2.6906% | 3,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9025% | 2,805 |
| Return on assets (ROA) | 0.8209% | 3,304 |
| Pretax return on assets | 1.0982% | 3,110 |
| Return on Equity (ROE) | 2.6827% | 5,247 |
| Retained earnings to average equity (ytd only) | 2.6827% | 3,996 |
| Net charge-offs to loans | -0.1518% | 5,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0300% | 3,068 |
| Assets per employee ($millions) | 4.2178% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5302% | 1,564 |
| Loan loss allowance to noncurrent loans | 25.1176% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 5.6923% | 96 |
| Noncurrent loans to loans | 6.0921% | 96 |
| Net loans and leases to total assets | 56.6507% | 4,203 |
| Net loans and leases to deposits | 83.6151% | 2,464 |
| Net loans and leases to core deposits | 86.1960% | 2,832 |
| Total domestic deposits to total assets | 67.7518% | 5,723 |
| Equity capital to assets | 31.0854% | 62 |
| Core capital (leverage) ratio | 31.1166% | 63 |
| Tier 1 risk-based capital ratio | 50.5908% | 132 |
| Total risk-based capital ratio | 51.8441% | 131 |
| Memoranda: | ||
| Average total assets | $194,676,200 | 3,015 |
| Average earning assets | $170,191,800 | 3,110 |
| Average equity | $59,567,600 | 1,298 |
| Average total loans | $113,992,800 | 3,155 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7844% | 3,969 |
| Cost of funding earning assets | 0.4734% | 2,333 |
| Net interest margin | 3.3110% | 4,154 |
| Noninterest income to average assets | 0.9820% | 1,185 |
| Noninterest expense to average assets | 2.6407% | 3,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9264% | 2,776 |
| Return on assets (ROA) | 0.8561% | 3,244 |
| Pretax return on assets | 1.1428% | 3,073 |
| Return on Equity (ROE) | 2.8089% | 5,269 |
| Retained earnings to average equity (ytd only) | 2.8089% | 4,209 |
| Net charge-offs to loans | -0.0349% | 5,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1080% | 3,207 |
| Assets per employee ($millions) | 4.2304% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 2,280 |
| Loan loss allowance to noncurrent loans | 19.4700% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 6.2888% | 96 |
| Noncurrent loans to loans | 7.0993% | 81 |
| Net loans and leases to total assets | 57.3780% | 4,155 |
| Net loans and leases to deposits | 84.6098% | 2,416 |
| Net loans and leases to core deposits | 87.6656% | 2,793 |
| Total domestic deposits to total assets | 67.8148% | 5,771 |
| Equity capital to assets | 30.9344% | 62 |
| Core capital (leverage) ratio | 31.1360% | 61 |
| Tier 1 risk-based capital ratio | 49.1438% | 140 |
| Total risk-based capital ratio | 50.3944% | 137 |
| Memoranda: | ||
| Average total assets | $194,841,000 | 3,020 |
| Average earning assets | $170,378,000 | 3,119 |
| Average equity | $59,381,750 | 1,312 |
| Average total loans | $114,586,000 | 3,158 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7686% | 4,061 |
| Cost of funding earning assets | 0.4846% | 2,237 |
| Net interest margin | 3.2840% | 4,279 |
| Noninterest income to average assets | 0.9881% | 1,144 |
| Noninterest expense to average assets | 2.6349% | 3,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9240% | 2,750 |
| Return on assets (ROA) | 0.8547% | 3,194 |
| Pretax return on assets | 1.1328% | 3,075 |
| Return on Equity (ROE) | 2.8185% | 5,296 |
| Retained earnings to average equity (ytd only) | 2.8185% | 4,107 |
| Net charge-offs to loans | -0.0313% | 5,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2616% | 3,284 |
| Assets per employee ($millions) | 4.1056% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 2,593 |
| Loan loss allowance to noncurrent loans | 19.1710% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 6.4349% | 97 |
| Noncurrent loans to loans | 6.9671% | 86 |
| Net loans and leases to total assets | 59.4888% | 3,951 |
| Net loans and leases to deposits | 87.6696% | 2,041 |
| Net loans and leases to core deposits | 91.1388% | 2,425 |
| Total domestic deposits to total assets | 67.8557% | 5,843 |
| Equity capital to assets | 30.9778% | 61 |
| Core capital (leverage) ratio | 30.8068% | 59 |
| Tier 1 risk-based capital ratio | 48.4080% | 144 |
| Total risk-based capital ratio | 49.6581% | 142 |
| Memoranda: | ||
| Average total assets | $194,921,670 | 3,043 |
| Average earning assets | $170,460,670 | 3,137 |
| Average equity | $59,109,670 | 1,316 |
| Average total loans | $115,040,670 | 3,159 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7340% | 4,191 |
| Cost of funding earning assets | 0.5044% | 2,068 |
| Net interest margin | 3.2296% | 4,473 |
| Noninterest income to average assets | 0.9765% | 1,133 |
| Noninterest expense to average assets | 2.6638% | 3,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8885% | 2,810 |
| Return on assets (ROA) | 0.7865% | 3,419 |
| Pretax return on assets | 1.0071% | 3,454 |
| Return on Equity (ROE) | 2.6242% | 5,349 |
| Retained earnings to average equity (ytd only) | 2.6242% | 4,195 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0699% | 3,114 |
| Assets per employee ($millions) | 4.1389% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 2,704 |
| Loan loss allowance to noncurrent loans | 18.5866% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 6.5148% | 102 |
| Noncurrent loans to loans | 7.2113% | 92 |
| Net loans and leases to total assets | 58.1218% | 4,032 |
| Net loans and leases to deposits | 84.7942% | 2,217 |
| Net loans and leases to core deposits | 88.0785% | 2,556 |
| Total domestic deposits to total assets | 68.5446% | 5,909 |
| Equity capital to assets | 30.3440% | 60 |
| Core capital (leverage) ratio | 30.3870% | 60 |
| Tier 1 risk-based capital ratio | 48.0492% | 144 |
| Total risk-based capital ratio | 49.2941% | 144 |
| Memoranda: | ||
| Average total assets | $195,808,500 | 3,033 |
| Average earning assets | $171,289,500 | 3,138 |
| Average equity | $58,685,500 | 1,319 |
| Average total loans | $114,388,000 | 3,178 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8766% | 3,787 |
| Cost of funding earning assets | 0.5704% | 1,594 |
| Net interest margin | 3.3063% | 4,280 |
| Noninterest income to average assets | 0.9089% | 1,414 |
| Noninterest expense to average assets | 2.5105% | 4,197 |
| Loan and lease loss provision to assets | 0.1530% | 1,534 |
| Net operating income to assets | 0.8759% | 2,995 |
| Return on assets (ROA) | 0.7839% | 3,482 |
| Pretax return on assets | 1.0206% | 3,379 |
| Return on Equity (ROE) | 2.6490% | 5,412 |
| Retained earnings to average equity (ytd only) | 2.6490% | 4,184 |
| Net charge-offs to loans | 0.2520% | 1,193 |
| Credit loss provision to net charge-offs | 105.2632% | 2,385 |
| Earnings coverage of net charge-offs (x) | 8.8947% | 2,888 |
| Efficiency ratio | 66.0051% | 3,902 |
| Assets per employee ($millions) | 4.2846% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 2,689 |
| Loan loss allowance to noncurrent loans | 18.4097% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 6.5898% | 116 |
| Noncurrent loans to loans | 7.3026% | 96 |
| Net loans and leases to total assets | 57.1528% | 4,178 |
| Net loans and leases to deposits | 82.3570% | 2,540 |
| Net loans and leases to core deposits | 87.0691% | 2,690 |
| Total domestic deposits to total assets | 69.3964% | 5,921 |
| Equity capital to assets | 29.6026% | 63 |
| Core capital (leverage) ratio | 29.8265% | 62 |
| Tier 1 risk-based capital ratio | 47.0386% | 145 |
| Total risk-based capital ratio | 48.2698% | 146 |
| Memoranda: | ||
| Average total assets | $196,058,600 | 2,983 |
| Average earning assets | $171,644,600 | 3,103 |
| Average equity | $58,020,800 | 1,295 |
| Average total loans | $113,075,200 | 3,151 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9016% | 3,740 |
| Cost of funding earning assets | 0.5825% | 1,522 |
| Net interest margin | 3.3191% | 4,265 |
| Noninterest income to average assets | 0.9070% | 1,434 |
| Noninterest expense to average assets | 2.4405% | 4,387 |
| Loan and lease loss provision to assets | 0.2043% | 975 |
| Net operating income to assets | 0.9003% | 2,960 |
| Return on assets (ROA) | 0.8301% | 3,368 |
| Pretax return on assets | 1.0773% | 3,312 |
| Return on Equity (ROE) | 2.8051% | 5,455 |
| Retained earnings to average equity (ytd only) | 2.8051% | 4,439 |
| Net charge-offs to loans | 0.3345% | 782 |
| Credit loss provision to net charge-offs | 106.0071% | 2,170 |
| Earnings coverage of net charge-offs (x) | 7.1237% | 2,952 |
| Efficiency ratio | 64.0000% | 4,247 |
| Assets per employee ($millions) | 4.3318% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 2,856 |
| Loan loss allowance to noncurrent loans | 17.7647% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 6.9332% | 113 |
| Noncurrent loans to loans | 7.5961% | 80 |
| Net loans and leases to total assets | 57.6430% | 4,183 |
| Net loans and leases to deposits | 83.7612% | 2,434 |
| Net loans and leases to core deposits | 89.0442% | 2,557 |
| Total domestic deposits to total assets | 68.8182% | 6,016 |
| Equity capital to assets | 29.9824% | 65 |
| Core capital (leverage) ratio | 29.6870% | 63 |
| Tier 1 risk-based capital ratio | 46.3946% | 162 |
| Total risk-based capital ratio | 47.6118% | 160 |
| Memoranda: | ||
| Average total assets | $195,800,500 | 3,013 |
| Average earning assets | $171,445,750 | 3,127 |
| Average equity | $57,940,000 | 1,307 |
| Average total loans | $112,799,500 | 3,186 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9614% | 3,442 |
| Cost of funding earning assets | 0.5972% | 1,434 |
| Net interest margin | 3.3642% | 4,042 |
| Noninterest income to average assets | 0.8975% | 1,452 |
| Noninterest expense to average assets | 2.4407% | 4,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0531% | 2,129 |
| Return on assets (ROA) | 0.9934% | 2,532 |
| Pretax return on assets | 1.3249% | 2,264 |
| Return on Equity (ROE) | 3.3719% | 5,280 |
| Retained earnings to average equity (ytd only) | 3.3719% | 3,890 |
| Net charge-offs to loans | -0.0231% | 5,219 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4748% | 4,433 |
| Assets per employee ($millions) | 4.2231% | 3,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 3,049 |
| Loan loss allowance to noncurrent loans | 16.8721% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 7.1450% | 122 |
| Noncurrent loans to loans | 7.9154% | 89 |
| Net loans and leases to total assets | 58.3006% | 4,067 |
| Net loans and leases to deposits | 84.5150% | 2,249 |
| Net loans and leases to core deposits | 89.8408% | 2,365 |
| Total domestic deposits to total assets | 68.9826% | 6,077 |
| Equity capital to assets | 29.8792% | 65 |
| Core capital (leverage) ratio | 29.5542% | 65 |
| Tier 1 risk-based capital ratio | 43.5708% | 211 |
| Total risk-based capital ratio | 44.7158% | 208 |
| Memoranda: | ||
| Average total assets | $196,090,330 | 3,033 |
| Average earning assets | $171,808,330 | 3,139 |
| Average equity | $57,771,670 | 1,316 |
| Average total loans | $112,432,330 | 3,198 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9478% | 3,425 |
| Cost of funding earning assets | 0.6066% | 1,387 |
| Net interest margin | 3.3412% | 4,056 |
| Noninterest income to average assets | 0.8528% | 1,555 |
| Noninterest expense to average assets | 2.5076% | 4,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9744% | 2,368 |
| Return on assets (ROA) | 0.9157% | 2,796 |
| Pretax return on assets | 1.1979% | 2,677 |
| Return on Equity (ROE) | 3.1300% | 5,320 |
| Retained earnings to average equity (ytd only) | 3.1300% | 4,105 |
| Net charge-offs to loans | -0.0575% | 5,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2909% | 4,100 |
| Assets per employee ($millions) | 4.4018% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 3,113 |
| Loan loss allowance to noncurrent loans | 15.8367% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 7.3264% | 119 |
| Noncurrent loans to loans | 8.5677% | 85 |
| Net loans and leases to total assets | 56.3755% | 4,159 |
| Net loans and leases to deposits | 80.8620% | 2,466 |
| Net loans and leases to core deposits | 87.4408% | 2,380 |
| Total domestic deposits to total assets | 69.7181% | 6,145 |
| Equity capital to assets | 29.1924% | 69 |
| Core capital (leverage) ratio | 29.5571% | 67 |
| Tier 1 risk-based capital ratio | 42.9059% | 220 |
| Total risk-based capital ratio | 44.0458% | 218 |
| Memoranda: | ||
| Average total assets | $197,004,500 | 3,041 |
| Average earning assets | $172,754,000 | 3,138 |
| Average equity | $57,635,500 | 1,324 |
| Average total loans | $111,254,000 | 3,244 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2488% | 2,785 |
| Cost of funding earning assets | 0.7397% | 899 |
| Net interest margin | 3.5091% | 3,754 |
| Noninterest income to average assets | 0.8192% | 1,797 |
| Noninterest expense to average assets | 2.7389% | 3,718 |
| Loan and lease loss provision to assets | 0.4780% | 330 |
| Net operating income to assets | 0.5959% | 4,393 |
| Return on assets (ROA) | 0.5394% | 4,727 |
| Pretax return on assets | 0.6189% | 4,879 |
| Return on Equity (ROE) | 1.8799% | 5,795 |
| Retained earnings to average equity (ytd only) | 1.8799% | 4,862 |
| Net charge-offs to loans | 1.0699% | 268 |
| Credit loss provision to net charge-offs | 80.7823% | 2,849 |
| Earnings coverage of net charge-offs (x) | 1.9634% | 4,290 |
| Efficiency ratio | 70.2141% | 3,498 |
| Assets per employee ($millions) | 4.5565% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 2,992 |
| Loan loss allowance to noncurrent loans | 16.5181% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 7.1755% | 140 |
| Noncurrent loans to loans | 8.4187% | 100 |
| Net loans and leases to total assets | 55.0115% | 4,452 |
| Net loans and leases to deposits | 78.9696% | 2,838 |
| Net loans and leases to core deposits | 82.6355% | 3,036 |
| Total domestic deposits to total assets | 69.6616% | 6,211 |
| Equity capital to assets | 29.3202% | 68 |
| Core capital (leverage) ratio | 28.5667% | 68 |
| Tier 1 risk-based capital ratio | 42.0478% | 211 |
| Total risk-based capital ratio | 43.2012% | 210 |
| Memoranda: | ||
| Average total assets | $198,730,600 | 3,016 |
| Average earning assets | $174,519,400 | 3,106 |
| Average equity | $57,023,000 | 1,285 |
| Average total loans | $109,912,800 | 3,218 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3032% | 2,620 |
| Cost of funding earning assets | 0.7584% | 861 |
| Net interest margin | 3.5448% | 3,647 |
| Noninterest income to average assets | 0.8196% | 1,815 |
| Noninterest expense to average assets | 2.6889% | 3,860 |
| Loan and lease loss provision to assets | 0.6351% | 206 |
| Net operating income to assets | 0.5570% | 4,645 |
| Return on assets (ROA) | 0.4840% | 5,003 |
| Pretax return on assets | 0.5308% | 5,234 |
| Return on Equity (ROE) | 1.6960% | 5,902 |
| Retained earnings to average equity (ytd only) | 1.6960% | 5,200 |
| Net charge-offs to loans | 1.3592% | 191 |
| Credit loss provision to net charge-offs | 84.6702% | 2,511 |
| Earnings coverage of net charge-offs (x) | 1.6613% | 4,108 |
| Efficiency ratio | 68.3316% | 3,798 |
| Assets per employee ($millions) | 4.4361% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 3,139 |
| Loan loss allowance to noncurrent loans | 31.7019% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 5.0700% | 332 |
| Noncurrent loans to loans | 4.4371% | 448 |
| Net loans and leases to total assets | 56.5217% | 4,264 |
| Net loans and leases to deposits | 81.3274% | 2,510 |
| Net loans and leases to core deposits | 85.1291% | 2,760 |
| Total domestic deposits to total assets | 69.4990% | 6,300 |
| Equity capital to assets | 29.3047% | 68 |
| Core capital (leverage) ratio | 28.5417% | 67 |
| Tier 1 risk-based capital ratio | 41.4045% | 218 |
| Total risk-based capital ratio | 42.5853% | 218 |
| Memoranda: | ||
| Average total assets | $199,430,750 | 3,028 |
| Average earning assets | $175,274,750 | 3,121 |
| Average equity | $56,917,000 | 1,295 |
| Average total loans | $110,065,000 | 3,235 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2858% | 2,632 |
| Cost of funding earning assets | 0.7788% | 794 |
| Net interest margin | 3.5070% | 3,759 |
| Noninterest income to average assets | 0.7817% | 1,909 |
| Noninterest expense to average assets | 2.6518% | 4,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9255% | 2,677 |
| Return on assets (ROA) | 0.9490% | 2,650 |
| Pretax return on assets | 1.2457% | 2,479 |
| Return on Equity (ROE) | 3.3543% | 5,400 |
| Retained earnings to average equity (ytd only) | 3.3543% | 4,065 |
| Net charge-offs to loans | 0.3271% | 1,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.8156% | 2,717 |
| Efficiency ratio | 68.5810% | 3,906 |
| Assets per employee ($millions) | 4.3434% | 3,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 3,177 |
| Loan loss allowance to noncurrent loans | 27.2143% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 5.5676% | 301 |
| Noncurrent loans to loans | 5.2647% | 364 |
| Net loans and leases to total assets | 55.1552% | 4,390 |
| Net loans and leases to deposits | 79.2984% | 2,611 |
| Net loans and leases to core deposits | 82.9918% | 2,856 |
| Total domestic deposits to total assets | 69.5540% | 6,368 |
| Equity capital to assets | 29.3225% | 66 |
| Core capital (leverage) ratio | 28.7260% | 65 |
| Tier 1 risk-based capital ratio | 40.7894% | 225 |
| Total risk-based capital ratio | 41.9368% | 223 |
| Memoranda: | ||
| Average total assets | $200,845,330 | 3,026 |
| Average earning assets | $176,677,670 | 3,119 |
| Average equity | $56,823,000 | 1,280 |
| Average total loans | $109,454,330 | 3,256 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2104% | 2,837 |
| Cost of funding earning assets | 0.8140% | 697 |
| Net interest margin | 3.3964% | 4,131 |
| Noninterest income to average assets | 0.8018% | 1,738 |
| Noninterest expense to average assets | 2.5174% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9750% | 2,303 |
| Return on assets (ROA) | 0.9571% | 2,447 |
| Pretax return on assets | 1.2538% | 2,268 |
| Return on Equity (ROE) | 3.4430% | 5,303 |
| Retained earnings to average equity (ytd only) | 3.4430% | 4,071 |
| Net charge-offs to loans | -0.0329% | 5,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3387% | 4,478 |
| Assets per employee ($millions) | 4.3607% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 2,764 |
| Loan loss allowance to noncurrent loans | 23.4617% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 5.9514% | 290 |
| Noncurrent loans to loans | 6.7588% | 239 |
| Net loans and leases to total assets | 54.2686% | 4,377 |
| Net loans and leases to deposits | 76.8245% | 2,710 |
| Net loans and leases to core deposits | 82.6837% | 2,671 |
| Total domestic deposits to total assets | 70.6398% | 6,421 |
| Equity capital to assets | 28.3756% | 74 |
| Core capital (leverage) ratio | 27.7639% | 73 |
| Tier 1 risk-based capital ratio | 37.9376% | 275 |
| Total risk-based capital ratio | 39.1415% | 270 |
| Memoranda: | ||
| Average total assets | $203,541,000 | 3,016 |
| Average earning assets | $179,366,000 | 3,106 |
| Average equity | $56,578,500 | 1,286 |
| Average total loans | $109,496,500 | 3,271 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 2,256 |
| Cost of funding earning assets | 0.9418% | 600 |
| Net interest margin | 3.5456% | 3,707 |
| Noninterest income to average assets | 0.9828% | 1,435 |
| Noninterest expense to average assets | 2.5831% | 4,524 |
| Loan and lease loss provision to assets | 0.5123% | 542 |
| Net operating income to assets | 0.8996% | 2,784 |
| Return on assets (ROA) | 0.5490% | 4,639 |
| Pretax return on assets | 0.6370% | 4,750 |
| Return on Equity (ROE) | 2.0748% | 5,817 |
| Retained earnings to average equity (ytd only) | 2.0748% | 4,761 |
| Net charge-offs to loans | 0.5417% | 1,221 |
| Credit loss provision to net charge-offs | 178.3113% | 1,288 |
| Earnings coverage of net charge-offs (x) | 5.4189% | 3,307 |
| Efficiency ratio | 62.3923% | 5,141 |
| Assets per employee ($millions) | 4.4889% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 2,715 |
| Loan loss allowance to noncurrent loans | 22.8834% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 6.1422% | 307 |
| Noncurrent loans to loans | 7.0400% | 238 |
| Net loans and leases to total assets | 51.6415% | 4,905 |
| Net loans and leases to deposits | 71.8507% | 3,535 |
| Net loans and leases to core deposits | 81.4773% | 2,958 |
| Total domestic deposits to total assets | 71.8734% | 6,428 |
| Equity capital to assets | 27.2351% | 75 |
| Core capital (leverage) ratio | 26.4293% | 75 |
| Tier 1 risk-based capital ratio | 35.7106% | 305 |
| Total risk-based capital ratio | 36.8662% | 300 |
| Memoranda: | ||
| Average total assets | $210,210,000 | 2,912 |
| Average earning assets | $187,190,000 | 2,994 |
| Average equity | $55,619,200 | 1,283 |
| Average total loans | $111,509,400 | 3,220 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5804% | 1,961 |
| Cost of funding earning assets | 0.9622% | 600 |
| Net interest margin | 3.6182% | 3,370 |
| Noninterest income to average assets | 1.0508% | 1,322 |
| Noninterest expense to average assets | 2.5518% | 4,545 |
| Loan and lease loss provision to assets | 0.6801% | 321 |
| Net operating income to assets | 0.8697% | 2,995 |
| Return on assets (ROA) | 0.6359% | 4,307 |
| Pretax return on assets | 0.7691% | 4,420 |
| Return on Equity (ROE) | 2.4207% | 5,817 |
| Retained earnings to average equity (ytd only) | 2.4207% | 4,880 |
| Net charge-offs to loans | 0.6305% | 975 |
| Credit loss provision to net charge-offs | 202.8249% | 1,190 |
| Earnings coverage of net charge-offs (x) | 5.1620% | 3,267 |
| Efficiency ratio | 59.5842% | 5,487 |
| Assets per employee ($millions) | 4.5472% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6897% | 2,658 |
| Loan loss allowance to noncurrent loans | 25.5552% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 6.0248% | 401 |
| Noncurrent loans to loans | 6.6119% | 339 |
| Net loans and leases to total assets | 50.5694% | 5,067 |
| Net loans and leases to deposits | 70.2205% | 3,757 |
| Net loans and leases to core deposits | 79.3233% | 3,197 |
| Total domestic deposits to total assets | 72.0151% | 6,491 |
| Equity capital to assets | 26.8691% | 74 |
| Core capital (leverage) ratio | 26.0514% | 78 |
| Tier 1 risk-based capital ratio | 34.9133% | 339 |
| Total risk-based capital ratio | 36.0907% | 335 |
| Memoranda: | ||
| Average total assets | $211,139,750 | 2,933 |
| Average earning assets | $188,595,250 | 2,997 |
| Average equity | $55,464,500 | 1,295 |
| Average total loans | $112,291,500 | 3,223 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4412% | 2,415 |
| Cost of funding earning assets | 0.9872% | 576 |
| Net interest margin | 3.4540% | 3,989 |
| Noninterest income to average assets | 1.0661% | 1,351 |
| Noninterest expense to average assets | 2.5137% | 4,675 |
| Loan and lease loss provision to assets | 1.0170% | 182 |
| Net operating income to assets | 0.6695% | 3,968 |
| Return on assets (ROA) | 0.3230% | 5,668 |
| Pretax return on assets | 0.2880% | 5,907 |
| Return on Equity (ROE) | 1.2387% | 6,158 |
| Retained earnings to average equity (ytd only) | 1.2387% | 5,404 |
| Net charge-offs to loans | 0.9819% | 621 |
| Credit loss provision to net charge-offs | 192.6655% | 1,234 |
| Earnings coverage of net charge-offs (x) | 3.1288% | 3,488 |
| Efficiency ratio | 60.3491% | 5,429 |
| Assets per employee ($millions) | 4.1778% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 3,112 |
| Loan loss allowance to noncurrent loans | 17.5404% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 6.1008% | 440 |
| Noncurrent loans to loans | 9.1867% | 195 |
| Net loans and leases to total assets | 52.3211% | 4,817 |
| Net loans and leases to deposits | 72.4003% | 3,394 |
| Net loans and leases to core deposits | 81.6047% | 2,840 |
| Total domestic deposits to total assets | 72.2664% | 6,545 |
| Equity capital to assets | 26.7259% | 73 |
| Core capital (leverage) ratio | 25.9121% | 80 |
| Tier 1 risk-based capital ratio | 34.2454% | 360 |
| Total risk-based capital ratio | 35.3878% | 358 |
| Memoranda: | ||
| Average total assets | $211,796,330 | 2,940 |
| Average earning assets | $190,040,330 | 2,991 |
| Average equity | $55,218,670 | 1,304 |
| Average total loans | $113,857,330 | 3,195 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4737% | 2,261 |
| Cost of funding earning assets | 1.0255% | 534 |
| Net interest margin | 3.4482% | 3,918 |
| Noninterest income to average assets | 1.1254% | 1,182 |
| Noninterest expense to average assets | 2.5548% | 4,553 |
| Loan and lease loss provision to assets | 2.0202% | 57 |
| Net operating income to assets | -0.0975% | 6,437 |
| Return on assets (ROA) | -0.3376% | 6,629 |
| Pretax return on assets | -0.7278% | 6,739 |
| Return on Equity (ROE) | -1.3111% | 6,520 |
| Retained earnings to average equity (ytd only) | -1.3111% | 5,995 |
| Net charge-offs to loans | 1.2842% | 437 |
| Credit loss provision to net charge-offs | 291.0811% | 822 |
| Earnings coverage of net charge-offs (x) | 2.4027% | 3,038 |
| Efficiency ratio | 60.5064% | 5,517 |
| Assets per employee ($millions) | 4.2506% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 2,838 |
| Loan loss allowance to noncurrent loans | 18.0385% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 6.1845% | 509 |
| Noncurrent loans to loans | 9.6488% | 225 |
| Net loans and leases to total assets | 52.5681% | 4,615 |
| Net loans and leases to deposits | 71.8556% | 3,197 |
| Net loans and leases to core deposits | 81.7431% | 2,607 |
| Total domestic deposits to total assets | 73.1579% | 6,590 |
| Equity capital to assets | 25.8973% | 84 |
| Core capital (leverage) ratio | 25.8582% | 79 |
| Tier 1 risk-based capital ratio | 34.7858% | 352 |
| Total risk-based capital ratio | 36.0384% | 348 |
| Memoranda: | ||
| Average total assets | $213,249,000 | 2,950 |
| Average earning assets | $191,518,000 | 2,994 |
| Average equity | $54,914,000 | 1,327 |
| Average total loans | $115,244,000 | 3,174 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9553% | 1,673 |
| Cost of funding earning assets | 1.2538% | 453 |
| Net interest margin | 3.7015% | 3,635 |
| Noninterest income to average assets | 0.9583% | 1,673 |
| Noninterest expense to average assets | 2.5357% | 4,977 |
| Loan and lease loss provision to assets | 0.0385% | 5,392 |
| Net operating income to assets | 1.3331% | 1,227 |
| Return on assets (ROA) | 0.7736% | 3,650 |
| Pretax return on assets | 0.9806% | 3,616 |
| Return on Equity (ROE) | 3.1625% | 5,485 |
| Retained earnings to average equity (ytd only) | 3.1625% | 4,005 |
| Net charge-offs to loans | 0.3492% | 2,889 |
| Credit loss provision to net charge-offs | 19.9041% | 5,289 |
| Earnings coverage of net charge-offs (x) | 8.9257% | 2,334 |
| Efficiency ratio | 59.4818% | 5,620 |
| Assets per employee ($millions) | 4.1954% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 5,593 |
| Loan loss allowance to noncurrent loans | 11.2825% | 6,538 |
| Noncurrent assets plus other real estate owned to assets | 6.2388% | 536 |
| Noncurrent loans to loans | 9.6613% | 253 |
| Net loans and leases to total assets | 53.9861% | 4,622 |
| Net loans and leases to deposits | 74.4926% | 3,024 |
| Net loans and leases to core deposits | 86.8302% | 2,206 |
| Total domestic deposits to total assets | 72.4718% | 6,662 |
| Equity capital to assets | 25.6059% | 92 |
| Core capital (leverage) ratio | 25.7686% | 88 |
| Tier 1 risk-based capital ratio | 34.3908% | 356 |
| Total risk-based capital ratio | 35.1848% | 366 |
| Memoranda: | ||
| Average total assets | $215,484,400 | 2,880 |
| Average earning assets | $192,379,200 | 2,926 |
| Average equity | $52,711,800 | 1,353 |
| Average total loans | $119,413,400 | 3,091 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0112% | 1,671 |
| Cost of funding earning assets | 1.2971% | 442 |
| Net interest margin | 3.7140% | 3,732 |
| Noninterest income to average assets | 0.9042% | 1,812 |
| Noninterest expense to average assets | 2.5491% | 4,922 |
| Loan and lease loss provision to assets | 0.0513% | 5,113 |
| Net operating income to assets | 1.3105% | 1,417 |
| Return on assets (ROA) | 0.6751% | 4,295 |
| Pretax return on assets | 0.8301% | 4,380 |
| Return on Equity (ROE) | 2.7922% | 5,756 |
| Retained earnings to average equity (ytd only) | 2.7922% | 4,876 |
| Net charge-offs to loans | 0.4120% | 2,445 |
| Credit loss provision to net charge-offs | 22.3720% | 4,918 |
| Earnings coverage of net charge-offs (x) | 7.2696% | 2,627 |
| Efficiency ratio | 60.4777% | 5,416 |
| Assets per employee ($millions) | 4.3067% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 5,591 |
| Loan loss allowance to noncurrent loans | 11.3913% | 6,639 |
| Noncurrent assets plus other real estate owned to assets | 6.3910% | 600 |
| Noncurrent loans to loans | 9.9241% | 252 |
| Net loans and leases to total assets | 53.5705% | 4,812 |
| Net loans and leases to deposits | 73.3332% | 3,391 |
| Net loans and leases to core deposits | 85.2954% | 2,549 |
| Total domestic deposits to total assets | 73.0508% | 6,673 |
| Equity capital to assets | 24.9397% | 108 |
| Core capital (leverage) ratio | 25.3391% | 96 |
| Tier 1 risk-based capital ratio | 34.0266% | 387 |
| Total risk-based capital ratio | 34.8491% | 388 |
| Memoranda: | ||
| Average total assets | $215,864,000 | 2,909 |
| Average earning assets | $192,418,500 | 2,959 |
| Average equity | $52,192,750 | 1,371 |
| Average total loans | $120,070,500 | 3,112 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1303% | 1,423 |
| Cost of funding earning assets | 1.3567% | 413 |
| Net interest margin | 3.7736% | 3,485 |
| Noninterest income to average assets | 0.8582% | 1,940 |
| Noninterest expense to average assets | 2.7134% | 4,355 |
| Loan and lease loss provision to assets | 0.0768% | 4,655 |
| Net operating income to assets | 1.3122% | 1,410 |
| Return on assets (ROA) | 0.4647% | 5,221 |
| Pretax return on assets | 0.5045% | 5,429 |
| Return on Equity (ROE) | 1.9424% | 6,059 |
| Retained earnings to average equity (ytd only) | 1.9424% | 5,224 |
| Net charge-offs to loans | 0.4340% | 2,302 |
| Credit loss provision to net charge-offs | 31.5589% | 4,414 |
| Earnings coverage of net charge-offs (x) | 6.1711% | 2,683 |
| Efficiency ratio | 64.3610% | 4,819 |
| Assets per employee ($millions) | 3.9705% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 5,383 |
| Loan loss allowance to noncurrent loans | 14.4112% | 6,650 |
| Noncurrent assets plus other real estate owned to assets | 5.6813% | 767 |
| Noncurrent loans to loans | 8.2846% | 403 |
| Net loans and leases to total assets | 55.0803% | 4,615 |
| Net loans and leases to deposits | 75.5592% | 3,048 |
| Net loans and leases to core deposits | 87.9653% | 2,210 |
| Total domestic deposits to total assets | 72.8969% | 6,754 |
| Equity capital to assets | 24.2772% | 108 |
| Core capital (leverage) ratio | 25.1727% | 95 |
| Tier 1 risk-based capital ratio | 32.4548% | 420 |
| Total risk-based capital ratio | 33.3129% | 432 |
| Memoranda: | ||
| Average total assets | $216,040,330 | 2,914 |
| Average earning assets | $192,230,000 | 2,967 |
| Average equity | $51,689,000 | 1,374 |
| Average total loans | $121,202,330 | 3,110 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2146% | 1,283 |
| Cost of funding earning assets | 1.3824% | 450 |
| Net interest margin | 3.8322% | 3,231 |
| Noninterest income to average assets | 0.8540% | 1,932 |
| Noninterest expense to average assets | 2.4643% | 5,272 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4961% | 1,028 |
| Return on assets (ROA) | 0.6142% | 4,498 |
| Pretax return on assets | 0.7378% | 4,661 |
| Return on Equity (ROE) | 2.5860% | 5,869 |
| Retained earnings to average equity (ytd only) | 2.5860% | 4,964 |
| Net charge-offs to loans | 0.4326% | 2,016 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 7.3939% | 2,084 |
| Efficiency ratio | 57.7855% | 5,946 |
| Assets per employee ($millions) | 4.1512% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 5,366 |
| Loan loss allowance to noncurrent loans | 13.7308% | 6,710 |
| Noncurrent assets plus other real estate owned to assets | 6.1410% | 751 |
| Noncurrent loans to loans | 8.9415% | 383 |
| Net loans and leases to total assets | 54.9354% | 4,567 |
| Net loans and leases to deposits | 75.2203% | 2,941 |
| Net loans and leases to core deposits | 87.5947% | 2,103 |
| Total domestic deposits to total assets | 73.0326% | 6,830 |
| Equity capital to assets | 24.1910% | 107 |
| Core capital (leverage) ratio | 24.9248% | 98 |
| Tier 1 risk-based capital ratio | 31.7983% | 441 |
| Total risk-based capital ratio | 32.6694% | 456 |
| Memoranda: | ||
| Average total assets | $216,857,000 | 2,925 |
| Average earning assets | $192,995,500 | 2,987 |
| Average equity | $51,507,500 | 1,375 |
| Average total loans | $122,042,000 | 3,107 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5218% | 1,116 |
| Cost of funding earning assets | 1.5585% | 562 |
| Net interest margin | 3.9633% | 3,052 |
| Noninterest income to average assets | 0.7543% | 2,315 |
| Noninterest expense to average assets | 2.5746% | 5,185 |
| Loan and lease loss provision to assets | 0.8377% | 1,164 |
| Net operating income to assets | 0.6821% | 3,569 |
| Return on assets (ROA) | -0.8106% | 6,693 |
| Pretax return on assets | -1.4292% | 6,878 |
| Return on Equity (ROE) | -3.5342% | 6,447 |
| Retained earnings to average equity (ytd only) | -3.5342% | 6,331 |
| Net charge-offs to loans | 1.4082% | 1,158 |
| Credit loss provision to net charge-offs | 107.1468% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.2267% | 4,114 |
| Efficiency ratio | 59.6601% | 5,809 |
| Assets per employee ($millions) | 4.3571% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 4,924 |
| Loan loss allowance to noncurrent loans | 16.2652% | 6,715 |
| Noncurrent assets plus other real estate owned to assets | 5.6534% | 898 |
| Noncurrent loans to loans | 7.9661% | 505 |
| Net loans and leases to total assets | 56.1934% | 4,667 |
| Net loans and leases to deposits | 76.8476% | 3,033 |
| Net loans and leases to core deposits | 93.5003% | 1,751 |
| Total domestic deposits to total assets | 73.1232% | 6,798 |
| Equity capital to assets | 23.3166% | 124 |
| Core capital (leverage) ratio | 24.2465% | 110 |
| Tier 1 risk-based capital ratio | 31.7239% | 438 |
| Total risk-based capital ratio | 32.6773% | 442 |
| Memoranda: | ||
| Average total assets | $229,083,800 | 2,737 |
| Average earning assets | $205,838,000 | 2,781 |
| Average equity | $52,544,000 | 1,294 |
| Average total loans | $127,179,800 | 3,034 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5696% | 1,101 |
| Cost of funding earning assets | 1.5995% | 584 |
| Net interest margin | 3.9701% | 3,052 |
| Noninterest income to average assets | 0.7204% | 2,480 |
| Noninterest expense to average assets | 2.4511% | 5,625 |
| Loan and lease loss provision to assets | 0.5284% | 1,871 |
| Net operating income to assets | 0.9543% | 2,512 |
| Return on assets (ROA) | 0.0862% | 6,110 |
| Pretax return on assets | -0.0391% | 6,268 |
| Return on Equity (ROE) | 0.3775% | 6,185 |
| Retained earnings to average equity (ytd only) | 0.3775% | 5,839 |
| Net charge-offs to loans | 0.6137% | 2,411 |
| Credit loss provision to net charge-offs | 156.0272% | 1,992 |
| Earnings coverage of net charge-offs (x) | 5.4499% | 2,780 |
| Efficiency ratio | 57.0454% | 6,136 |
| Assets per employee ($millions) | 4.4493% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 5,623 |
| Loan loss allowance to noncurrent loans | 18.4870% | 6,725 |
| Noncurrent assets plus other real estate owned to assets | 4.6911% | 1,257 |
| Noncurrent loans to loans | 6.2968% | 856 |
| Net loans and leases to total assets | 56.3323% | 4,791 |
| Net loans and leases to deposits | 77.6825% | 3,052 |
| Net loans and leases to core deposits | 94.9408% | 1,710 |
| Total domestic deposits to total assets | 72.5160% | 6,895 |
| Equity capital to assets | 23.7688% | 134 |
| Core capital (leverage) ratio | 24.6491% | 116 |
| Tier 1 risk-based capital ratio | 27.3467% | 710 |
| Total risk-based capital ratio | 28.0743% | 738 |
| Memoranda: | ||
| Average total assets | $231,891,500 | 2,710 |
| Average earning assets | $208,891,750 | 2,746 |
| Average equity | $52,981,000 | 1,289 |
| Average total loans | $127,968,250 | 3,045 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6138% | 1,051 |
| Cost of funding earning assets | 1.6246% | 635 |
| Net interest margin | 3.9893% | 2,891 |
| Noninterest income to average assets | 0.6739% | 2,689 |
| Noninterest expense to average assets | 2.2805% | 6,175 |
| Loan and lease loss provision to assets | 0.2289% | 3,624 |
| Net operating income to assets | 1.5166% | 853 |
| Return on assets (ROA) | 0.4357% | 4,931 |
| Pretax return on assets | 0.5080% | 5,039 |
| Return on Equity (ROE) | 1.9315% | 5,810 |
| Retained earnings to average equity (ytd only) | 1.9315% | 5,015 |
| Net charge-offs to loans | 0.1387% | 4,365 |
| Credit loss provision to net charge-offs | 302.2472% | 1,000 |
| Earnings coverage of net charge-offs (x) | 26.3258% | 1,018 |
| Efficiency ratio | 53.3546% | 6,679 |
| Assets per employee ($millions) | 4.2018% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 6,165 |
| Loan loss allowance to noncurrent loans | 20.0272% | 6,721 |
| Noncurrent assets plus other real estate owned to assets | 4.1168% | 1,552 |
| Noncurrent loans to loans | 5.2170% | 1,238 |
| Net loans and leases to total assets | 54.3427% | 5,245 |
| Net loans and leases to deposits | 75.9062% | 3,494 |
| Net loans and leases to core deposits | 96.0894% | 1,674 |
| Total domestic deposits to total assets | 71.5920% | 7,032 |
| Equity capital to assets | 23.1437% | 150 |
| Core capital (leverage) ratio | 23.9180% | 127 |
| Tier 1 risk-based capital ratio | 26.1590% | 802 |
| Total risk-based capital ratio | 26.7803% | 836 |
| Memoranda: | ||
| Average total assets | $235,034,000 | 2,703 |
| Average earning assets | $212,120,000 | 2,732 |
| Average equity | $53,015,670 | 1,269 |
| Average total loans | $128,359,330 | 3,070 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6593% | 958 |
| Cost of funding earning assets | 1.6754% | 621 |
| Net interest margin | 3.9839% | 2,754 |
| Noninterest income to average assets | 0.7240% | 2,423 |
| Noninterest expense to average assets | 2.3409% | 6,078 |
| Loan and lease loss provision to assets | 0.1165% | 4,554 |
| Net operating income to assets | 1.4565% | 974 |
| Return on assets (ROA) | 0.5350% | 4,416 |
| Pretax return on assets | 0.6852% | 4,359 |
| Return on Equity (ROE) | 2.4024% | 5,635 |
| Retained earnings to average equity (ytd only) | 2.4024% | 4,710 |
| Net charge-offs to loans | 0.2138% | 3,234 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 17.0290% | 1,236 |
| Efficiency ratio | 54.1374% | 6,684 |
| Assets per employee ($millions) | 4.2223% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 6,721 |
| Loan loss allowance to noncurrent loans | 18.1588% | 6,827 |
| Noncurrent assets plus other real estate owned to assets | 3.8977% | 1,715 |
| Noncurrent loans to loans | 4.9064% | 1,382 |
| Net loans and leases to total assets | 53.9159% | 5,314 |
| Net loans and leases to deposits | 74.3684% | 3,705 |
| Net loans and leases to core deposits | 98.8685% | 1,440 |
| Total domestic deposits to total assets | 72.4984% | 7,040 |
| Equity capital to assets | 22.4460% | 159 |
| Core capital (leverage) ratio | 23.2798% | 132 |
| Tier 1 risk-based capital ratio | 25.3597% | 841 |
| Total risk-based capital ratio | 25.8820% | 895 |
| Memoranda: | ||
| Average total assets | $237,001,000 | 2,710 |
| Average earning assets | $214,162,500 | 2,734 |
| Average equity | $52,781,000 | 1,268 |
| Average total loans | $129,083,000 | 3,083 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8061% | 1,263 |
| Cost of funding earning assets | 2.4708% | 122 |
| Net interest margin | 3.3352% | 5,853 |
| Noninterest income to average assets | 0.9452% | 1,680 |
| Noninterest expense to average assets | 1.9448% | 7,102 |
| Loan and lease loss provision to assets | 0.2408% | 4,875 |
| Net operating income to assets | 1.5006% | 764 |
| Return on assets (ROA) | 1.0396% | 2,016 |
| Pretax return on assets | 1.2374% | 2,115 |
| Return on Equity (ROE) | 5.3409% | 3,935 |
| Retained earnings to average equity (ytd only) | 5.3409% | 2,229 |
| Net charge-offs to loans | 1.2205% | 1,836 |
| Credit loss provision to net charge-offs | 38.3183% | 6,413 |
| Earnings coverage of net charge-offs (x) | 3.2252% | 3,464 |
| Efficiency ratio | 48.9641% | 7,204 |
| Assets per employee ($millions) | 5.1642% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 6,765 |
| Loan loss allowance to noncurrent loans | 15.1688% | 6,983 |
| Noncurrent assets plus other real estate owned to assets | 4.0631% | 1,668 |
| Noncurrent loans to loans | 5.8323% | 1,090 |
| Net loans and leases to total assets | 54.0471% | 5,625 |
| Net loans and leases to deposits | 74.9462% | 4,033 |
| Net loans and leases to core deposits | 101.2404% | 1,517 |
| Total domestic deposits to total assets | 72.1146% | 7,074 |
| Equity capital to assets | 22.0956% | 179 |
| Core capital (leverage) ratio | 23.0150% | 150 |
| Tier 1 risk-based capital ratio | 24.2852% | 907 |
| Total risk-based capital ratio | 24.7882% | 958 |
| Memoranda: | ||
| Average total assets | $264,914,600 | 2,403 |
| Average earning assets | $240,404,200 | 2,424 |
| Average equity | $51,564,600 | 1,292 |
| Average total loans | $136,418,000 | 3,009 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8042% | 1,385 |
| Cost of funding earning assets | 2.6312% | 87 |
| Net interest margin | 3.1731% | 6,422 |
| Noninterest income to average assets | 1.0244% | 1,396 |
| Noninterest expense to average assets | 1.8109% | 7,313 |
| Loan and lease loss provision to assets | 0.0922% | 6,115 |
| Net operating income to assets | 1.6826% | 644 |
| Return on assets (ROA) | 1.1996% | 1,674 |
| Pretax return on assets | 1.4277% | 1,800 |
| Return on Equity (ROE) | 6.3505% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.3505% | 2,176 |
| Net charge-offs to loans | 0.4855% | 3,331 |
| Credit loss provision to net charge-offs | 37.3757% | 6,054 |
| Earnings coverage of net charge-offs (x) | 8.4891% | 2,154 |
| Efficiency ratio | 46.3635% | 7,369 |
| Assets per employee ($millions) | 5.7749% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 4,499 |
| Loan loss allowance to noncurrent loans | 25.6637% | 6,595 |
| Noncurrent assets plus other real estate owned to assets | 3.6715% | 1,943 |
| Noncurrent loans to loans | 5.4284% | 1,235 |
| Net loans and leases to total assets | 51.7007% | 6,136 |
| Net loans and leases to deposits | 80.1730% | 3,420 |
| Net loans and leases to core deposits | 104.5590% | 1,437 |
| Total domestic deposits to total assets | 64.4865% | 7,507 |
| Equity capital to assets | 20.8347% | 242 |
| Core capital (leverage) ratio | 21.4766% | 193 |
| Tier 1 risk-based capital ratio | 23.4566% | 1,009 |
| Total risk-based capital ratio | 24.2479% | 1,040 |
| Memoranda: | ||
| Average total assets | $271,754,750 | 2,380 |
| Average earning assets | $246,780,250 | 2,405 |
| Average equity | $51,333,500 | 1,304 |
| Average total loans | $138,138,250 | 3,019 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9097% | 1,159 |
| Cost of funding earning assets | 2.7540% | 73 |
| Net interest margin | 3.1557% | 6,447 |
| Noninterest income to average assets | 1.1554% | 967 |
| Noninterest expense to average assets | 1.7188% | 7,489 |
| Loan and lease loss provision to assets | 0.1354% | 5,537 |
| Net operating income to assets | 1.8755% | 422 |
| Return on assets (ROA) | 1.3917% | 1,177 |
| Pretax return on assets | 1.6086% | 1,278 |
| Return on Equity (ROE) | 7.6066% | 3,055 |
| Retained earnings to average equity (ytd only) | 7.6066% | 1,595 |
| Net charge-offs to loans | 0.0358% | 5,852 |
| Credit loss provision to net charge-offs | 752.0000% | 493 |
| Earnings coverage of net charge-offs (x) | 127.7200% | 264 |
| Efficiency ratio | 42.7675% | 7,558 |
| Assets per employee ($millions) | 6.1963% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6999% | 3,080 |
| Loan loss allowance to noncurrent loans | 66.0628% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 2.0320% | 3,460 |
| Noncurrent loans to loans | 2.5731% | 3,069 |
| Net loans and leases to total assets | 50.6559% | 6,359 |
| Net loans and leases to deposits | 82.8839% | 3,101 |
| Net loans and leases to core deposits | 106.7396% | 1,385 |
| Total domestic deposits to total assets | 61.1166% | 7,639 |
| Equity capital to assets | 19.0243% | 341 |
| Core capital (leverage) ratio | 20.1674% | 240 |
| Tier 1 risk-based capital ratio | 22.4636% | 1,128 |
| Total risk-based capital ratio | 23.4255% | 1,151 |
| Memoranda: | ||
| Average total assets | $277,641,330 | 2,349 |
| Average earning assets | $251,924,330 | 2,375 |
| Average equity | $50,798,000 | 1,314 |
| Average total loans | $139,776,000 | 3,019 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0924% | 787 |
| Cost of funding earning assets | 2.8189% | 79 |
| Net interest margin | 3.2735% | 6,062 |
| Noninterest income to average assets | 0.4787% | 4,209 |
| Noninterest expense to average assets | 1.7427% | 7,532 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2265% | 1,472 |
| Return on assets (ROA) | 1.0648% | 2,023 |
| Pretax return on assets | 1.4814% | 1,566 |
| Return on Equity (ROE) | 5.9309% | 3,907 |
| Retained earnings to average equity (ytd only) | 5.9309% | 2,651 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5324% | 7,277 |
| Assets per employee ($millions) | 6.5822% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 3,656 |
| Loan loss allowance to noncurrent loans | 150.3458% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 1.2119% | 4,749 |
| Noncurrent loans to loans | 1.0320% | 5,271 |
| Net loans and leases to total assets | 48.7365% | 6,601 |
| Net loans and leases to deposits | 87.4594% | 2,320 |
| Net loans and leases to core deposits | 109.6972% | 1,299 |
| Total domestic deposits to total assets | 55.7248% | 7,800 |
| Equity capital to assets | 17.3774% | 489 |
| Core capital (leverage) ratio | 18.5691% | 341 |
| Tier 1 risk-based capital ratio | 20.6967% | 1,391 |
| Total risk-based capital ratio | 21.5404% | 1,436 |
| Memoranda: | ||
| Average total assets | $283,240,500 | 2,362 |
| Average earning assets | $256,975,500 | 2,380 |
| Average equity | $50,852,500 | 1,312 |
| Average total loans | $141,012,500 | 3,057 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8453% | 2,459 |
| Cost of funding earning assets | 3.1723% | 140 |
| Net interest margin | 2.6730% | 7,245 |
| Noninterest income to average assets | 0.4854% | 4,522 |
| Noninterest expense to average assets | 1.7165% | 7,686 |
| Loan and lease loss provision to assets | 0.4617% | 4,063 |
| Net operating income to assets | 0.5736% | 3,432 |
| Return on assets (ROA) | -0.2071% | 5,843 |
| Pretax return on assets | -0.4726% | 5,989 |
| Return on Equity (ROE) | -1.2524% | 5,731 |
| Retained earnings to average equity (ytd only) | -1.2524% | 5,330 |
| Net charge-offs to loans | 0.4798% | 3,865 |
| Credit loss provision to net charge-offs | 199.1465% | 1,968 |
| Earnings coverage of net charge-offs (x) | 5.2148% | 2,657 |
| Efficiency ratio | 58.6743% | 6,668 |
| Assets per employee ($millions) | 6.1619% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 3,563 |
| Loan loss allowance to noncurrent loans | 22.0509% | 6,958 |
| Noncurrent assets plus other real estate owned to assets | 4.1764% | 1,562 |
| Noncurrent loans to loans | 6.9474% | 812 |
| Net loans and leases to total assets | 49.2988% | 6,703 |
| Net loans and leases to deposits | 93.7498% | 1,629 |
| Net loans and leases to core deposits | 107.2541% | 3,184 |
| Total domestic deposits to total assets | 52.5855% | 7,892 |
| Equity capital to assets | 18.5294% | 403 |
| Core capital (leverage) ratio | 18.5443% | 366 |
| Tier 1 risk-based capital ratio | 21.1654% | 1,265 |
| Total risk-based capital ratio | 22.0407% | 1,296 |
| Memoranda: | ||
| Average total assets | $303,224,600 | 2,198 |
| Average earning assets | $276,801,400 | 2,196 |
| Average equity | $50,143,000 | 1,342 |
| Average total loans | $146,530,600 | 2,976 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8983% | 2,459 |
| Cost of funding earning assets | 3.2056% | 185 |
| Net interest margin | 2.6927% | 7,222 |
| Noninterest income to average assets | 0.4582% | 4,840 |
| Noninterest expense to average assets | 1.7068% | 7,760 |
| Loan and lease loss provision to assets | 0.6057% | 2,968 |
| Net operating income to assets | 0.4834% | 4,061 |
| Return on assets (ROA) | -0.0541% | 5,860 |
| Pretax return on assets | -0.2345% | 6,028 |
| Return on Equity (ROE) | -0.3364% | 5,834 |
| Retained earnings to average equity (ytd only) | -0.3364% | 5,300 |
| Net charge-offs to loans | 0.1580% | 5,125 |
| Credit loss provision to net charge-offs | 800.0000% | 477 |
| Earnings coverage of net charge-offs (x) | 15.9941% | 1,500 |
| Efficiency ratio | 58.4964% | 6,652 |
| Assets per employee ($millions) | 6.8429% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8456% | 2,163 |
| Loan loss allowance to noncurrent loans | 62.6391% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 2.0921% | 3,222 |
| Noncurrent loans to loans | 2.9463% | 2,581 |
| Net loans and leases to total assets | 47.7101% | 6,977 |
| Net loans and leases to deposits | 92.7894% | 2,099 |
| Net loans and leases to core deposits | 108.7113% | 3,383 |
| Total domestic deposits to total assets | 51.4177% | 7,968 |
| Equity capital to assets | 17.5300% | 558 |
| Core capital (leverage) ratio | 17.6000% | 490 |
| Tier 1 risk-based capital ratio | 25.7240% | 837 |
| Total risk-based capital ratio | 26.9739% | 819 |
| Memoranda: | ||
| Average total assets | $308,169,000 | 2,185 |
| Average earning assets | $281,496,000 | 2,186 |
| Average equity | $49,548,500 | 1,379 |
| Average total loans | $147,685,750 | 2,987 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9291% | 2,459 |
| Cost of funding earning assets | 3.2751% | 223 |
| Net interest margin | 2.6540% | 7,294 |
| Noninterest income to average assets | 0.4599% | 4,779 |
| Noninterest expense to average assets | 1.7242% | 7,811 |
| Loan and lease loss provision to assets | 0.0966% | 6,201 |
| Net operating income to assets | 0.8707% | 2,572 |
| Return on assets (ROA) | 0.4624% | 4,356 |
| Pretax return on assets | 0.5629% | 4,434 |
| Return on Equity (ROE) | 2.9626% | 4,914 |
| Retained earnings to average equity (ytd only) | 2.9626% | 3,672 |
| Net charge-offs to loans | 0.2093% | 4,203 |
| Credit loss provision to net charge-offs | 96.7742% | 4,712 |
| Earnings coverage of net charge-offs (x) | 11.5935% | 1,890 |
| Efficiency ratio | 59.8346% | 6,577 |
| Assets per employee ($millions) | 7.2331% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 6,246 |
| Loan loss allowance to noncurrent loans | 34.5549% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 1.9448% | 3,278 |
| Noncurrent loans to loans | 2.8939% | 2,492 |
| Net loans and leases to total assets | 47.9385% | 7,037 |
| Net loans and leases to deposits | 91.7784% | 2,505 |
| Net loans and leases to core deposits | 108.0187% | 3,606 |
| Total domestic deposits to total assets | 52.2329% | 8,045 |
| Equity capital to assets | 17.0245% | 663 |
| Core capital (leverage) ratio | 17.5385% | 557 |
| Tier 1 risk-based capital ratio | 26.1519% | 848 |
| Total risk-based capital ratio | 26.8653% | 869 |
| Memoranda: | ||
| Average total assets | $310,529,000 | 2,196 |
| Average earning assets | $283,348,670 | 2,207 |
| Average equity | $48,471,000 | 1,425 |
| Average total loans | $148,130,670 | 3,016 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8728% | 2,923 |
| Cost of funding earning assets | 3.4103% | 190 |
| Net interest margin | 2.4625% | 7,543 |
| Noninterest income to average assets | 0.3976% | 5,226 |
| Noninterest expense to average assets | 1.7178% | 7,805 |
| Loan and lease loss provision to assets | 0.1911% | 4,526 |
| Net operating income to assets | 0.6193% | 3,944 |
| Return on assets (ROA) | 0.4027% | 5,032 |
| Pretax return on assets | 0.4753% | 5,152 |
| Return on Equity (ROE) | 2.6981% | 5,494 |
| Retained earnings to average equity (ytd only) | 2.6981% | 4,385 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0893% | 5,494 |
| Assets per employee ($millions) | 7.3146% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 5,508 |
| Loan loss allowance to noncurrent loans | 243.9280% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.7763% | 5,229 |
| Noncurrent loans to loans | 0.4493% | 6,298 |
| Net loans and leases to total assets | 47.7885% | 7,046 |
| Net loans and leases to deposits | 87.3595% | 3,407 |
| Net loans and leases to core deposits | 108.3595% | 3,628 |
| Total domestic deposits to total assets | 54.7033% | 8,062 |
| Equity capital to assets | 14.9438% | 1,116 |
| Core capital (leverage) ratio | 16.7310% | 687 |
| Tier 1 risk-based capital ratio | 28.6173% | 710 |
| Total risk-based capital ratio | 29.4872% | 722 |
| Memoranda: | ||
| Average total assets | $313,898,000 | 2,193 |
| Average earning assets | $285,724,500 | 2,211 |
| Average equity | $46,847,000 | 1,473 |
| Average total loans | $148,644,000 | 3,024 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3986% | 3,426 |
| Cost of funding earning assets | 3.5161% | 491 |
| Net interest margin | 2.8825% | 7,188 |
| Noninterest income to average assets | 0.3395% | 6,024 |
| Noninterest expense to average assets | 1.5179% | 8,027 |
| Loan and lease loss provision to assets | 0.5099% | 2,771 |
| Net operating income to assets | 0.7200% | 3,805 |
| Return on assets (ROA) | 0.7205% | 3,632 |
| Pretax return on assets | 0.9634% | 3,511 |
| Return on Equity (ROE) | 4.6337% | 4,543 |
| Retained earnings to average equity (ytd only) | 4.6337% | 2,241 |
| Net charge-offs to loans | 0.2577% | 3,697 |
| Credit loss provision to net charge-offs | 423.1771% | 1,033 |
| Earnings coverage of net charge-offs (x) | 12.2214% | 2,273 |
| Efficiency ratio | 50.7555% | 7,607 |
| Assets per employee ($millions) | 7.4554% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 6,133 |
| Loan loss allowance to noncurrent loans | 162.1978% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.8026% | 4,848 |
| Noncurrent loans to loans | 0.6114% | 5,538 |
| Net loans and leases to total assets | 45.9702% | 7,330 |
| Net loans and leases to deposits | 84.3674% | 4,372 |
| Net loans and leases to core deposits | 107.3928% | 4,032 |
| Total domestic deposits to total assets | 54.4881% | 8,082 |
| Equity capital to assets | 14.9056% | 1,185 |
| Core capital (leverage) ratio | 16.1421% | 804 |
| Tier 1 risk-based capital ratio | 28.4727% | 737 |
| Total risk-based capital ratio | 29.2625% | 745 |
| Memoranda: | ||
| Average total assets | $318,669,000 | 2,097 |
| Average earning assets | $293,079,800 | 2,089 |
| Average equity | $49,550,200 | 1,374 |
| Average total loans | $149,002,600 | 2,947 |