Home > MutualOne Bank > Performance and Condition Ratios
MutualOne Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9981% | 1,177 |
| Cost of funding earning assets | 2.5504% | 776 |
| Net interest margin | 3.4477% | 2,449 |
| Noninterest income to average assets | 0.0900% | 4,163 |
| Noninterest expense to average assets | 2.1192% | 3,313 |
| Loan and lease loss provision to assets | 2.0400% | 40 |
| Net operating income to assets | -0.4619% | 4,309 |
| Return on assets (ROA) | -0.2730% | 4,300 |
| Pretax return on assets | -0.5194% | 4,343 |
| Return on Equity (ROE) | -1.3500% | 4,251 |
| Retained earnings to average equity (ytd only) | -1.3467% | 3,868 |
| Net charge-offs to loans | 0.5437% | 255 |
| Credit loss provision to net charge-offs | 401.5313% | 601 |
| Earnings coverage of net charge-offs (x) | 2.6791% | 2,058 |
| Efficiency ratio | 62.2585% | 2,683 |
| Assets per employee ($millions) | 12.3315% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3810% | 237 |
| Loan loss allowance to noncurrent loans | 54.4300% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 3.8623% | 45 |
| Noncurrent loans to loans | 4.3744% | 98 |
| Net loans and leases to total assets | 86.1900% | 127 |
| Net loans and leases to deposits | 120.0524% | 69 |
| Net loans and leases to core deposits | 174.4164% | 71 |
| Total domestic deposits to total assets | 71.7900% | 4,157 |
| Equity capital to assets | 20.3857% | 271 |
| Core capital (leverage) ratio | 20.6582% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,252,954,500 | 859 |
| Average earning assets | $1,204,991,500 | 824 |
| Average equity | $253,946,000 | 498 |
| Average total loans | $1,105,096,500 | 709 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7042% | 555 |
| Cost of funding earning assets | 2.7797% | 733 |
| Net interest margin | 3.9245% | 1,315 |
| Noninterest income to average assets | 0.0900% | 4,243 |
| Noninterest expense to average assets | 1.8533% | 3,872 |
| Loan and lease loss provision to assets | 0.3400% | 350 |
| Net operating income to assets | 1.1891% | 1,526 |
| Return on assets (ROA) | 1.3748% | 1,117 |
| Pretax return on assets | 1.9039% | 705 |
| Return on Equity (ROE) | 7.0700% | 3,001 |
| Retained earnings to average equity (ytd only) | 7.0717% | 1,411 |
| Net charge-offs to loans | 0.0025% | 2,911 |
| Credit loss provision to net charge-offs | 16,660.7143% | 31 |
| Earnings coverage of net charge-offs (x) | 912.7500% | 146 |
| Efficiency ratio | 47.9756% | 4,087 |
| Assets per employee ($millions) | 12.4795% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9499% | 404 |
| Loan loss allowance to noncurrent loans | 203.9559% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.8423% | 847 |
| Noncurrent loans to loans | 0.9560% | 1,045 |
| Net loans and leases to total assets | 86.3900% | 130 |
| Net loans and leases to deposits | 125.1764% | 59 |
| Net loans and leases to core deposits | 189.9440% | 61 |
| Total domestic deposits to total assets | 69.0100% | 4,227 |
| Equity capital to assets | 20.1512% | 270 |
| Core capital (leverage) ratio | 20.6945% | 233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,271,673,200 | 836 |
| Average earning assets | $1,223,163,800 | 802 |
| Average equity | $247,223,400 | 483 |
| Average total loans | $1,111,799,200 | 699 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8114% | 480 |
| Cost of funding earning assets | 2.8113% | 695 |
| Net interest margin | 4.0001% | 1,146 |
| Noninterest income to average assets | 0.0900% | 4,255 |
| Noninterest expense to average assets | 1.8326% | 3,876 |
| Loan and lease loss provision to assets | 0.1400% | 908 |
| Net operating income to assets | 1.3919% | 1,111 |
| Return on assets (ROA) | 1.7827% | 612 |
| Pretax return on assets | 2.4638% | 338 |
| Return on Equity (ROE) | 9.2500% | 2,405 |
| Retained earnings to average equity (ytd only) | 9.2537% | 1,037 |
| Net charge-offs to loans | 0.0035% | 2,596 |
| Credit loss provision to net charge-offs | 5,058.6207% | 98 |
| Earnings coverage of net charge-offs (x) | 694.2069% | 187 |
| Efficiency ratio | 46.5286% | 4,144 |
| Assets per employee ($millions) | 12.7742% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6884% | 676 |
| Loan loss allowance to noncurrent loans | 743.5536% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 2,472 |
| Noncurrent loans to loans | 0.2271% | 2,627 |
| Net loans and leases to total assets | 85.8400% | 155 |
| Net loans and leases to deposits | 123.2652% | 61 |
| Net loans and leases to core deposits | 185.6385% | 57 |
| Total domestic deposits to total assets | 69.6400% | 4,232 |
| Equity capital to assets | 20.3582% | 263 |
| Core capital (leverage) ratio | 20.4881% | 242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,274,485,000 | 827 |
| Average earning assets | $1,226,029,000 | 798 |
| Average equity | $245,531,500 | 480 |
| Average total loans | $1,112,121,500 | 694 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8057% | 454 |
| Cost of funding earning assets | 2.8267% | 625 |
| Net interest margin | 3.9790% | 1,139 |
| Noninterest income to average assets | 0.1000% | 4,231 |
| Noninterest expense to average assets | 1.8357% | 3,883 |
| Loan and lease loss provision to assets | -0.0100% | 4,151 |
| Net operating income to assets | 1.4728% | 967 |
| Return on assets (ROA) | 1.8905% | 521 |
| Pretax return on assets | 2.6221% | 290 |
| Return on Equity (ROE) | 10.0000% | 2,187 |
| Retained earnings to average equity (ytd only) | 9.9974% | 879 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 46.7817% | 4,160 |
| Assets per employee ($millions) | 13.8883% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 949 |
| Loan loss allowance to noncurrent loans | 914.9518% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 2,669 |
| Noncurrent loans to loans | 0.1698% | 2,826 |
| Net loans and leases to total assets | 85.6300% | 184 |
| Net loans and leases to deposits | 121.2814% | 85 |
| Net loans and leases to core deposits | 184.7336% | 63 |
| Total domestic deposits to total assets | 70.6000% | 4,218 |
| Equity capital to assets | 19.6154% | 287 |
| Core capital (leverage) ratio | 19.7559% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,282,022,667 | 827 |
| Average earning assets | $1,232,758,000 | 797 |
| Average equity | $242,422,333 | 481 |
| Average total loans | $1,118,472,000 | 694 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6359% | 495 |
| Cost of funding earning assets | 2.8059% | 596 |
| Net interest margin | 3.8300% | 1,322 |
| Noninterest income to average assets | 0.0700% | 4,325 |
| Noninterest expense to average assets | 1.8895% | 3,797 |
| Loan and lease loss provision to assets | -0.0800% | 4,415 |
| Net operating income to assets | 1.4051% | 1,051 |
| Return on assets (ROA) | 2.1467% | 373 |
| Pretax return on assets | 2.8787% | 240 |
| Return on Equity (ROE) | 11.5600% | 1,698 |
| Retained earnings to average equity (ytd only) | 11.5637% | 822 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 50.3509% | 4,006 |
| Assets per employee ($millions) | 14.5341% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5078% | 1,055 |
| Loan loss allowance to noncurrent loans | 200.8032% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 972 |
| Noncurrent loans to loans | 0.7509% | 1,192 |
| Net loans and leases to total assets | 85.8500% | 171 |
| Net loans and leases to deposits | 124.7521% | 54 |
| Net loans and leases to core deposits | 195.3469% | 83 |
| Total domestic deposits to total assets | 68.8100% | 4,320 |
| Equity capital to assets | 18.7736% | 319 |
| Core capital (leverage) ratio | 19.3246% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,291,118,000 | 830 |
| Average earning assets | $1,240,522,500 | 798 |
| Average equity | $239,680,500 | 491 |
| Average total loans | $1,128,085,000 | 694 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5101% | 345 |
| Cost of funding earning assets | 2.3598% | 490 |
| Net interest margin | 4.1503% | 1,009 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 1.6718% | 4,168 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.6206% | 838 |
| Return on assets (ROA) | 1.7499% | 633 |
| Pretax return on assets | 2.3734% | 388 |
| Return on Equity (ROE) | 9.8700% | 2,534 |
| Retained earnings to average equity (ytd only) | 9.8721% | 1,053 |
| Net charge-offs to loans | -0.0009% | 3,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 41.1287% | 4,341 |
| Assets per employee ($millions) | 13.4239% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 1,026 |
| Loan loss allowance to noncurrent loans | 556.6569% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 2,027 |
| Noncurrent loans to loans | 0.2708% | 2,215 |
| Net loans and leases to total assets | 86.2600% | 147 |
| Net loans and leases to deposits | 126.7260% | 56 |
| Net loans and leases to core deposits | 310.1707% | 56 |
| Total domestic deposits to total assets | 68.0700% | 4,343 |
| Equity capital to assets | 18.3532% | 330 |
| Core capital (leverage) ratio | 18.5451% | 311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,265,930,600 | 823 |
| Average earning assets | $1,217,448,400 | 786 |
| Average equity | $224,390,800 | 490 |
| Average total loans | $1,106,354,200 | 675 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4138% | 335 |
| Cost of funding earning assets | 2.2112% | 487 |
| Net interest margin | 4.2027% | 919 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 1.6700% | 4,163 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.6283% | 893 |
| Return on assets (ROA) | 1.6820% | 810 |
| Pretax return on assets | 2.2803% | 497 |
| Return on Equity (ROE) | 9.5800% | 2,776 |
| Retained earnings to average equity (ytd only) | 9.5758% | 1,524 |
| Net charge-offs to loans | -0.0012% | 3,507 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 40.5669% | 4,347 |
| Assets per employee ($millions) | 13.9093% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 1,101 |
| Loan loss allowance to noncurrent loans | 2,022.6303% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 3,171 |
| Noncurrent loans to loans | 0.0744% | 3,225 |
| Net loans and leases to total assets | 87.3000% | 106 |
| Net loans and leases to deposits | 124.3942% | 61 |
| Net loans and leases to core deposits | 288.7425% | 18 |
| Total domestic deposits to total assets | 70.1800% | 4,321 |
| Equity capital to assets | 17.7708% | 358 |
| Core capital (leverage) ratio | 18.3948% | 329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,260,238,500 | 829 |
| Average earning assets | $1,212,304,500 | 791 |
| Average equity | $221,359,000 | 491 |
| Average total loans | $1,100,767,000 | 674 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2804% | 319 |
| Cost of funding earning assets | 2.0371% | 457 |
| Net interest margin | 4.2432% | 869 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 1.6931% | 4,157 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 1.6260% | 905 |
| Return on assets (ROA) | 1.7480% | 719 |
| Pretax return on assets | 2.3756% | 418 |
| Return on Equity (ROE) | 9.9900% | 2,700 |
| Retained earnings to average equity (ytd only) | 9.9916% | 1,407 |
| Net charge-offs to loans | -0.0018% | 3,517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 40.7088% | 4,371 |
| Assets per employee ($millions) | 14.0546% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 1,304 |
| Loan loss allowance to noncurrent loans | 1,926.0870% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 3,101 |
| Noncurrent loans to loans | 0.0759% | 3,143 |
| Net loans and leases to total assets | 86.3800% | 136 |
| Net loans and leases to deposits | 120.1883% | 88 |
| Net loans and leases to core deposits | 277.5173% | 19 |
| Total domestic deposits to total assets | 71.8700% | 4,297 |
| Equity capital to assets | 17.5418% | 363 |
| Core capital (leverage) ratio | 18.1501% | 335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,253,767,667 | 818 |
| Average earning assets | $1,206,106,667 | 788 |
| Average equity | $219,344,000 | 489 |
| Average total loans | $1,089,611,667 | 667 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1106% | 270 |
| Cost of funding earning assets | 1.7465% | 504 |
| Net interest margin | 4.3641% | 726 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.6030% | 4,304 |
| Loan and lease loss provision to assets | 0.4400% | 177 |
| Net operating income to assets | 1.5352% | 1,103 |
| Return on assets (ROA) | 1.4435% | 1,275 |
| Pretax return on assets | 2.1109% | 643 |
| Return on Equity (ROE) | 8.2600% | 3,230 |
| Retained earnings to average equity (ytd only) | 8.2631% | 2,149 |
| Net charge-offs to loans | 0.0019% | 1,970 |
| Credit loss provision to net charge-offs | 25,020.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 1,655.6000% | 51 |
| Efficiency ratio | 37.5340% | 4,500 |
| Assets per employee ($millions) | 13.6301% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 1,407 |
| Loan loss allowance to noncurrent loans | 1,092.5474% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 2,702 |
| Noncurrent loans to loans | 0.1334% | 2,845 |
| Net loans and leases to total assets | 85.9900% | 133 |
| Net loans and leases to deposits | 120.5803% | 82 |
| Net loans and leases to core deposits | 290.5442% | 20 |
| Total domestic deposits to total assets | 71.3200% | 4,383 |
| Equity capital to assets | 17.2927% | 333 |
| Core capital (leverage) ratio | 18.2927% | 331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,241,149,000 | 844 |
| Average earning assets | $1,193,002,500 | 809 |
| Average equity | $216,819,500 | 503 |
| Average total loans | $1,073,864,000 | 683 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 259 |
| Cost of funding earning assets | 0.6640% | 680 |
| Net interest margin | 4.4296% | 334 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.8863% | 3,859 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.8758% | 370 |
| Return on assets (ROA) | 1.9035% | 342 |
| Pretax return on assets | 2.6170% | 181 |
| Return on Equity (ROE) | 10.0700% | 2,783 |
| Retained earnings to average equity (ytd only) | 10.0735% | 1,123 |
| Net charge-offs to loans | 0.0012% | 2,527 |
| Credit loss provision to net charge-offs | 10,927.2727% | 64 |
| Earnings coverage of net charge-offs (x) | 2,671.7273% | 56 |
| Efficiency ratio | 41.2008% | 4,513 |
| Assets per employee ($millions) | 13.4967% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 1,513 |
| Loan loss allowance to noncurrent loans | 815.1176% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.1470% | 2,509 |
| Noncurrent loans to loans | 0.1715% | 2,622 |
| Net loans and leases to total assets | 84.5500% | 220 |
| Net loans and leases to deposits | 124.7925% | 57 |
| Net loans and leases to core deposits | 183.6489% | 33 |
| Total domestic deposits to total assets | 67.7500% | 4,509 |
| Equity capital to assets | 17.6535% | 312 |
| Core capital (leverage) ratio | 18.9125% | 296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,091,689,000 | 907 |
| Average earning assets | $1,049,416,600 | 875 |
| Average equity | $206,284,800 | 512 |
| Average total loans | $919,070,400 | 741 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 306 |
| Cost of funding earning assets | 0.5079% | 731 |
| Net interest margin | 4.2564% | 366 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 1.8759% | 3,806 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.8117% | 419 |
| Return on assets (ROA) | 1.5903% | 651 |
| Pretax return on assets | 2.1951% | 324 |
| Return on Equity (ROE) | 8.2600% | 3,254 |
| Retained earnings to average equity (ytd only) | 8.2604% | 1,906 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.6676% | 4,530 |
| Assets per employee ($millions) | 12.9007% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 1,324 |
| Loan loss allowance to noncurrent loans | 823.5726% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 2,527 |
| Noncurrent loans to loans | 0.1807% | 2,685 |
| Net loans and leases to total assets | 84.9600% | 188 |
| Net loans and leases to deposits | 118.1868% | 64 |
| Net loans and leases to core deposits | 158.6176% | 46 |
| Total domestic deposits to total assets | 71.8900% | 4,510 |
| Equity capital to assets | 18.1694% | 263 |
| Core capital (leverage) ratio | 19.2135% | 267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,060,936,000 | 937 |
| Average earning assets | $1,020,436,500 | 898 |
| Average equity | $204,246,750 | 518 |
| Average total loans | $888,450,500 | 757 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 378 |
| Cost of funding earning assets | 0.4421% | 720 |
| Net interest margin | 4.0521% | 443 |
| Noninterest income to average assets | 0.5794% | 1,829 |
| Noninterest expense to average assets | 1.9167% | 3,662 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.8351% | 312 |
| Return on assets (ROA) | 1.6793% | 445 |
| Pretax return on assets | 2.3662% | 199 |
| Return on Equity (ROE) | 8.5473% | 2,848 |
| Retained earnings to average equity (ytd only) | 8.5473% | 1,416 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7814% | 4,546 |
| Assets per employee ($millions) | 11.6044% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,462 |
| Loan loss allowance to noncurrent loans | 757.0215% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 2,533 |
| Noncurrent loans to loans | 0.1954% | 2,727 |
| Net loans and leases to total assets | 84.3243% | 174 |
| Net loans and leases to deposits | 110.8139% | 85 |
| Net loans and leases to core deposits | 133.9595% | 100 |
| Total domestic deposits to total assets | 76.0955% | 4,455 |
| Equity capital to assets | 19.4364% | 182 |
| Core capital (leverage) ratio | 20.2562% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,036,159,667 | 945 |
| Average earning assets | $997,466,667 | 920 |
| Average equity | $203,572,000 | 520 |
| Average total loans | $858,225,333 | 764 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2991% | 437 |
| Cost of funding earning assets | 0.4525% | 645 |
| Net interest margin | 3.8466% | 576 |
| Noninterest income to average assets | 0.0920% | 4,536 |
| Noninterest expense to average assets | 1.8647% | 3,766 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4200% | 758 |
| Return on assets (ROA) | 1.5053% | 616 |
| Pretax return on assets | 2.0428% | 328 |
| Return on Equity (ROE) | 7.6198% | 2,831 |
| Retained earnings to average equity (ytd only) | 7.6198% | 1,696 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0767% | 4,357 |
| Assets per employee ($millions) | 11.4087% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 1,322 |
| Loan loss allowance to noncurrent loans | 540.9955% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 2,183 |
| Noncurrent loans to loans | 0.2923% | 2,424 |
| Net loans and leases to total assets | 81.9356% | 168 |
| Net loans and leases to deposits | 105.9913% | 98 |
| Net loans and leases to core deposits | 126.2223% | 114 |
| Total domestic deposits to total assets | 77.3040% | 4,444 |
| Equity capital to assets | 19.9891% | 162 |
| Core capital (leverage) ratio | 19.9187% | 172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,026,239,500 | 955 |
| Average earning assets | $989,138,000 | 925 |
| Average equity | $202,734,000 | 540 |
| Average total loans | $835,421,000 | 774 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2948% | 860 |
| Cost of funding earning assets | 0.5337% | 776 |
| Net interest margin | 3.7611% | 1,084 |
| Noninterest income to average assets | 0.1025% | 4,596 |
| Noninterest expense to average assets | 1.8721% | 3,992 |
| Loan and lease loss provision to assets | 0.0098% | 2,886 |
| Net operating income to assets | 1.3500% | 1,442 |
| Return on assets (ROA) | 1.6527% | 737 |
| Pretax return on assets | 2.2338% | 387 |
| Return on Equity (ROE) | 8.6624% | 3,028 |
| Retained earnings to average equity (ytd only) | 8.6624% | 1,294 |
| Net charge-offs to loans | 0.0010% | 2,646 |
| Credit loss provision to net charge-offs | 1,250.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 2,378.0000% | 55 |
| Efficiency ratio | 50.1572% | 4,272 |
| Assets per employee ($millions) | 11.6529% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 1,216 |
| Loan loss allowance to noncurrent loans | 498.2482% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 2,267 |
| Noncurrent loans to loans | 0.3250% | 2,427 |
| Net loans and leases to total assets | 78.3097% | 365 |
| Net loans and leases to deposits | 100.4516% | 187 |
| Net loans and leases to core deposits | 120.3262% | 160 |
| Total domestic deposits to total assets | 77.9577% | 4,398 |
| Equity capital to assets | 19.5259% | 191 |
| Core capital (leverage) ratio | 19.6193% | 181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,022,607,800 | 944 |
| Average earning assets | $986,936,000 | 917 |
| Average equity | $195,108,000 | 559 |
| Average total loans | $812,237,600 | 789 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2893% | 969 |
| Cost of funding earning assets | 0.5500% | 832 |
| Net interest margin | 3.7393% | 1,251 |
| Noninterest income to average assets | 0.1008% | 4,664 |
| Noninterest expense to average assets | 1.8455% | 4,066 |
| Loan and lease loss provision to assets | 0.0131% | 2,733 |
| Net operating income to assets | 1.3525% | 1,683 |
| Return on assets (ROA) | 1.5299% | 1,243 |
| Pretax return on assets | 2.0752% | 704 |
| Return on Equity (ROE) | 8.0664% | 3,380 |
| Retained earnings to average equity (ytd only) | 8.0664% | 2,035 |
| Net charge-offs to loans | 0.0020% | 2,322 |
| Credit loss provision to net charge-offs | 833.3333% | 571 |
| Earnings coverage of net charge-offs (x) | 1,187.0000% | 137 |
| Efficiency ratio | 49.7531% | 4,241 |
| Assets per employee ($millions) | 11.0931% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6294% | 1,261 |
| Loan loss allowance to noncurrent loans | 280.4029% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4721% | 1,610 |
| Noncurrent loans to loans | 0.5811% | 1,859 |
| Net loans and leases to total assets | 79.9242% | 294 |
| Net loans and leases to deposits | 102.6515% | 179 |
| Net loans and leases to core deposits | 123.2057% | 153 |
| Total domestic deposits to total assets | 77.8598% | 4,438 |
| Equity capital to assets | 19.6157% | 210 |
| Core capital (leverage) ratio | 19.2562% | 209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,018,982,500 | 961 |
| Average earning assets | $983,323,250 | 930 |
| Average equity | $193,258,750 | 565 |
| Average total loans | $808,915,750 | 807 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 1,110 |
| Cost of funding earning assets | 0.5662% | 883 |
| Net interest margin | 3.6750% | 1,406 |
| Noninterest income to average assets | 0.1106% | 4,650 |
| Noninterest expense to average assets | 1.7694% | 4,244 |
| Loan and lease loss provision to assets | 0.0198% | 2,566 |
| Net operating income to assets | 1.3637% | 1,670 |
| Return on assets (ROA) | 1.6747% | 961 |
| Pretax return on assets | 2.2611% | 513 |
| Return on Equity (ROE) | 8.9308% | 3,115 |
| Retained earnings to average equity (ytd only) | 8.9308% | 1,730 |
| Net charge-offs to loans | 0.0161% | 1,625 |
| Credit loss provision to net charge-offs | 155.3846% | 1,151 |
| Earnings coverage of net charge-offs (x) | 148.3846% | 593 |
| Efficiency ratio | 48.3893% | 4,360 |
| Assets per employee ($millions) | 11.3072% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 1,185 |
| Loan loss allowance to noncurrent loans | 583.0924% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 2,838 |
| Noncurrent loans to loans | 0.2818% | 2,927 |
| Net loans and leases to total assets | 76.5929% | 537 |
| Net loans and leases to deposits | 99.9244% | 257 |
| Net loans and leases to core deposits | 118.8717% | 231 |
| Total domestic deposits to total assets | 76.6509% | 4,529 |
| Equity capital to assets | 18.7784% | 238 |
| Core capital (leverage) ratio | 18.7826% | 227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,022,153,333 | 950 |
| Average earning assets | $986,294,000 | 918 |
| Average equity | $191,673,333 | 564 |
| Average total loans | $805,162,667 | 813 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2907% | 1,057 |
| Cost of funding earning assets | 0.6037% | 863 |
| Net interest margin | 3.6870% | 1,362 |
| Noninterest income to average assets | 0.1267% | 4,564 |
| Noninterest expense to average assets | 1.5971% | 4,541 |
| Loan and lease loss provision to assets | 0.0004% | 2,740 |
| Net operating income to assets | 1.5225% | 1,278 |
| Return on assets (ROA) | 1.9714% | 636 |
| Pretax return on assets | 2.6544% | 351 |
| Return on Equity (ROE) | 10.5205% | 2,523 |
| Retained earnings to average equity (ytd only) | 10.5205% | 1,510 |
| Net charge-offs to loans | 0.0334% | 1,145 |
| Credit loss provision to net charge-offs | 1.4925% | 1,469 |
| Earnings coverage of net charge-offs (x) | 78.8806% | 708 |
| Efficiency ratio | 43.3548% | 4,608 |
| Assets per employee ($millions) | 11.3327% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 1,187 |
| Loan loss allowance to noncurrent loans | 570.6263% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 3,027 |
| Noncurrent loans to loans | 0.2879% | 3,071 |
| Net loans and leases to total assets | 76.6768% | 572 |
| Net loans and leases to deposits | 100.0314% | 284 |
| Net loans and leases to core deposits | 120.5207% | 233 |
| Total domestic deposits to total assets | 76.6528% | 4,547 |
| Equity capital to assets | 18.5729% | 239 |
| Core capital (leverage) ratio | 18.8348% | 229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,013,100,500 | 944 |
| Average earning assets | $977,378,500 | 913 |
| Average equity | $189,838,000 | 561 |
| Average total loans | $802,705,500 | 811 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6523% | 990 |
| Cost of funding earning assets | 0.9787% | 645 |
| Net interest margin | 3.6736% | 1,894 |
| Noninterest income to average assets | 0.2235% | 4,157 |
| Noninterest expense to average assets | 1.7096% | 4,610 |
| Loan and lease loss provision to assets | 0.0553% | 3,679 |
| Net operating income to assets | 1.4698% | 879 |
| Return on assets (ROA) | 1.5305% | 809 |
| Pretax return on assets | 2.0796% | 382 |
| Return on Equity (ROE) | 8.3250% | 2,679 |
| Retained earnings to average equity (ytd only) | 8.3250% | 964 |
| Net charge-offs to loans | 0.0267% | 2,499 |
| Credit loss provision to net charge-offs | 251.8692% | 1,931 |
| Earnings coverage of net charge-offs (x) | 93.6869% | 823 |
| Efficiency ratio | 45.3750% | 4,737 |
| Assets per employee ($millions) | 11.0547% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 1,148 |
| Loan loss allowance to noncurrent loans | 258.5394% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.5161% | 2,005 |
| Noncurrent loans to loans | 0.6407% | 2,080 |
| Net loans and leases to total assets | 79.2196% | 483 |
| Net loans and leases to deposits | 103.0986% | 281 |
| Net loans and leases to core deposits | 123.9806% | 267 |
| Total domestic deposits to total assets | 76.8387% | 4,431 |
| Equity capital to assets | 18.9097% | 233 |
| Core capital (leverage) ratio | 18.9398% | 222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $974,145,600 | 900 |
| Average earning assets | $939,844,800 | 864 |
| Average equity | $179,086,800 | 563 |
| Average total loans | $800,121,800 | 784 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6488% | 1,187 |
| Cost of funding earning assets | 1.0797% | 576 |
| Net interest margin | 3.5691% | 2,360 |
| Noninterest income to average assets | 0.2162% | 4,190 |
| Noninterest expense to average assets | 1.7086% | 4,613 |
| Loan and lease loss provision to assets | 0.0742% | 3,390 |
| Net operating income to assets | 1.3820% | 1,146 |
| Return on assets (ROA) | 1.3303% | 1,371 |
| Pretax return on assets | 1.8114% | 759 |
| Return on Equity (ROE) | 7.2899% | 3,099 |
| Retained earnings to average equity (ytd only) | 7.2899% | 1,594 |
| Net charge-offs to loans | 0.0360% | 2,111 |
| Credit loss provision to net charge-offs | 249.5370% | 1,928 |
| Earnings coverage of net charge-offs (x) | 65.6389% | 1,042 |
| Efficiency ratio | 46.6892% | 4,680 |
| Assets per employee ($millions) | 10.5885% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6162% | 1,054 |
| Loan loss allowance to noncurrent loans | 274.2562% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.4968% | 2,218 |
| Noncurrent loans to loans | 0.5893% | 2,326 |
| Net loans and leases to total assets | 82.9476% | 369 |
| Net loans and leases to deposits | 107.9401% | 271 |
| Net loans and leases to core deposits | 130.3720% | 245 |
| Total domestic deposits to total assets | 76.8459% | 4,345 |
| Equity capital to assets | 18.8067% | 246 |
| Core capital (leverage) ratio | 18.2571% | 268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $968,951,750 | 892 |
| Average earning assets | $934,812,250 | 861 |
| Average equity | $176,824,250 | 563 |
| Average total loans | $799,790,250 | 778 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7004% | 1,405 |
| Cost of funding earning assets | 1.2080% | 485 |
| Net interest margin | 3.4923% | 2,811 |
| Noninterest income to average assets | 0.1923% | 4,317 |
| Noninterest expense to average assets | 1.7107% | 4,674 |
| Loan and lease loss provision to assets | 0.1115% | 2,897 |
| Net operating income to assets | 1.2854% | 1,398 |
| Return on assets (ROA) | 1.1013% | 2,080 |
| Pretax return on assets | 1.5068% | 1,439 |
| Return on Equity (ROE) | 6.0974% | 3,471 |
| Retained earnings to average equity (ytd only) | 6.0974% | 2,036 |
| Net charge-offs to loans | 0.0212% | 2,296 |
| Credit loss provision to net charge-offs | 641.6667% | 1,058 |
| Earnings coverage of net charge-offs (x) | 106.5833% | 672 |
| Efficiency ratio | 48.0262% | 4,629 |
| Assets per employee ($millions) | 10.6299% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 895 |
| Loan loss allowance to noncurrent loans | 262.9143% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 2,269 |
| Noncurrent loans to loans | 0.6303% | 2,285 |
| Net loans and leases to total assets | 81.3506% | 465 |
| Net loans and leases to deposits | 105.2254% | 338 |
| Net loans and leases to core deposits | 126.2549% | 310 |
| Total domestic deposits to total assets | 77.3108% | 4,281 |
| Equity capital to assets | 18.2849% | 280 |
| Core capital (leverage) ratio | 17.5425% | 317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $967,221,000 | 881 |
| Average earning assets | $933,242,667 | 845 |
| Average equity | $174,697,667 | 564 |
| Average total loans | $792,619,333 | 776 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0471% | 883 |
| Cost of funding earning assets | 1.3305% | 513 |
| Net interest margin | 3.7166% | 2,273 |
| Noninterest income to average assets | 0.1268% | 4,730 |
| Noninterest expense to average assets | 1.7167% | 4,757 |
| Loan and lease loss provision to assets | 0.3027% | 1,024 |
| Net operating income to assets | 1.2523% | 1,373 |
| Return on assets (ROA) | 0.4188% | 4,133 |
| Pretax return on assets | 0.6383% | 3,841 |
| Return on Equity (ROE) | 2.3332% | 4,380 |
| Retained earnings to average equity (ytd only) | 2.3332% | 3,325 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2366% | 4,821 |
| Assets per employee ($millions) | 10.7819% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7713% | 752 |
| Loan loss allowance to noncurrent loans | 262.1000% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 2,399 |
| Noncurrent loans to loans | 0.6758% | 2,303 |
| Net loans and leases to total assets | 77.3138% | 1,079 |
| Net loans and leases to deposits | 99.1200% | 617 |
| Net loans and leases to core deposits | 125.4017% | 343 |
| Total domestic deposits to total assets | 78.0002% | 4,220 |
| Equity capital to assets | 17.7583% | 377 |
| Core capital (leverage) ratio | 17.9208% | 343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $961,856,000 | 856 |
| Average earning assets | $928,051,000 | 817 |
| Average equity | $172,638,000 | 565 |
| Average total loans | $784,441,500 | 761 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2530% | 902 |
| Cost of funding earning assets | 1.4199% | 520 |
| Net interest margin | 3.8332% | 2,396 |
| Noninterest income to average assets | 0.1339% | 4,804 |
| Noninterest expense to average assets | 1.7871% | 4,786 |
| Loan and lease loss provision to assets | 0.0331% | 3,352 |
| Net operating income to assets | 1.4648% | 1,145 |
| Return on assets (ROA) | 1.7181% | 677 |
| Pretax return on assets | 2.3294% | 288 |
| Return on Equity (ROE) | 10.0108% | 2,293 |
| Retained earnings to average equity (ytd only) | 10.0108% | 486 |
| Net charge-offs to loans | 0.0280% | 2,836 |
| Credit loss provision to net charge-offs | 144.9074% | 1,774 |
| Earnings coverage of net charge-offs (x) | 89.3843% | 737 |
| Efficiency ratio | 46.6731% | 4,891 |
| Assets per employee ($millions) | 10.1351% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 923 |
| Loan loss allowance to noncurrent loans | 257.5776% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 2,292 |
| Noncurrent loans to loans | 0.6312% | 2,306 |
| Net loans and leases to total assets | 83.1445% | 411 |
| Net loans and leases to deposits | 104.6004% | 354 |
| Net loans and leases to core deposits | 130.1410% | 277 |
| Total domestic deposits to total assets | 79.4878% | 4,079 |
| Equity capital to assets | 18.1463% | 356 |
| Core capital (leverage) ratio | 17.7689% | 356 |
| Tier 1 risk-based capital ratio | 18.9227% | 1,533 |
| Total risk-based capital ratio | 20.1756% | 1,497 |
| Memoranda: | ||
| Average total assets | $945,571,000 | 828 |
| Average earning assets | $911,490,400 | 794 |
| Average equity | $162,284,000 | 574 |
| Average total loans | $772,468,000 | 739 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2037% | 1,033 |
| Cost of funding earning assets | 1.4168% | 548 |
| Net interest margin | 3.7868% | 2,639 |
| Noninterest income to average assets | 0.1315% | 4,872 |
| Noninterest expense to average assets | 1.7872% | 4,833 |
| Loan and lease loss provision to assets | 0.0658% | 2,571 |
| Net operating income to assets | 1.4077% | 1,445 |
| Return on assets (ROA) | 1.6482% | 876 |
| Pretax return on assets | 2.2333% | 428 |
| Return on Equity (ROE) | 9.7423% | 2,539 |
| Retained earnings to average equity (ytd only) | 9.7423% | 818 |
| Net charge-offs to loans | 0.0005% | 3,447 |
| Credit loss provision to net charge-offs | 15,566.6667% | 21 |
| Earnings coverage of net charge-offs (x) | 4,719.2150% | 5 |
| Efficiency ratio | 47.2563% | 4,889 |
| Assets per employee ($millions) | 10.8054% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7161% | 793 |
| Loan loss allowance to noncurrent loans | 197.5378% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.6857% | 1,980 |
| Noncurrent loans to loans | 0.8688% | 1,843 |
| Net loans and leases to total assets | 77.5693% | 1,212 |
| Net loans and leases to deposits | 96.0457% | 1,014 |
| Net loans and leases to core deposits | 121.6326% | 483 |
| Total domestic deposits to total assets | 80.7628% | 3,812 |
| Equity capital to assets | 16.9705% | 487 |
| Core capital (leverage) ratio | 16.8996% | 455 |
| Tier 1 risk-based capital ratio | 19.0265% | 1,562 |
| Total risk-based capital ratio | 20.2805% | 1,530 |
| Memoranda: | ||
| Average total assets | $946,323,500 | 829 |
| Average earning assets | $912,259,250 | 788 |
| Average equity | $160,095,000 | 583 |
| Average total loans | $766,425,250 | 744 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2082% | 968 |
| Cost of funding earning assets | 1.3836% | 568 |
| Net interest margin | 3.8246% | 2,501 |
| Noninterest income to average assets | 0.1308% | 4,923 |
| Noninterest expense to average assets | 1.8171% | 4,859 |
| Loan and lease loss provision to assets | -0.0034% | 5,097 |
| Net operating income to assets | 1.4608% | 1,262 |
| Return on assets (ROA) | 1.7450% | 699 |
| Pretax return on assets | 2.3610% | 310 |
| Return on Equity (ROE) | 10.3258% | 2,244 |
| Retained earnings to average equity (ytd only) | 10.3258% | 669 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6313% | 4,917 |
| Assets per employee ($millions) | 10.7362% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 888 |
| Loan loss allowance to noncurrent loans | 185.7887% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.7151% | 1,924 |
| Noncurrent loans to loans | 0.8950% | 1,827 |
| Net loans and leases to total assets | 78.5702% | 1,110 |
| Net loans and leases to deposits | 97.1662% | 918 |
| Net loans and leases to core deposits | 123.8930% | 434 |
| Total domestic deposits to total assets | 80.8616% | 3,857 |
| Equity capital to assets | 16.8223% | 490 |
| Core capital (leverage) ratio | 16.8034% | 452 |
| Tier 1 risk-based capital ratio | 18.9498% | 1,567 |
| Total risk-based capital ratio | 20.2034% | 1,529 |
| Memoranda: | ||
| Average total assets | $934,001,670 | 833 |
| Average earning assets | $899,695,670 | 795 |
| Average equity | $157,837,000 | 586 |
| Average total loans | $763,217,670 | 750 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1649% | 970 |
| Cost of funding earning assets | 1.3286% | 600 |
| Net interest margin | 3.8363% | 2,393 |
| Noninterest income to average assets | 0.1273% | 4,968 |
| Noninterest expense to average assets | 1.8809% | 4,826 |
| Loan and lease loss provision to assets | -0.0013% | 5,185 |
| Net operating income to assets | 1.4114% | 1,348 |
| Return on assets (ROA) | 1.9358% | 446 |
| Pretax return on assets | 2.6034% | 210 |
| Return on Equity (ROE) | 11.4277% | 1,768 |
| Retained earnings to average equity (ytd only) | 11.4277% | 715 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2469% | 4,876 |
| Assets per employee ($millions) | 10.6538% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6757% | 909 |
| Loan loss allowance to noncurrent loans | 192.6687% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.7034% | 2,000 |
| Noncurrent loans to loans | 0.8697% | 1,904 |
| Net loans and leases to total assets | 79.5274% | 905 |
| Net loans and leases to deposits | 98.1334% | 778 |
| Net loans and leases to core deposits | 125.5340% | 389 |
| Total domestic deposits to total assets | 81.0400% | 3,958 |
| Equity capital to assets | 16.6628% | 483 |
| Core capital (leverage) ratio | 17.2447% | 400 |
| Tier 1 risk-based capital ratio | 19.3408% | 1,477 |
| Total risk-based capital ratio | 20.5952% | 1,445 |
| Memoranda: | ||
| Average total assets | $917,874,000 | 852 |
| Average earning assets | $883,349,500 | 815 |
| Average equity | $155,482,000 | 589 |
| Average total loans | $758,812,500 | 758 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0163% | 1,015 |
| Cost of funding earning assets | 1.0009% | 742 |
| Net interest margin | 4.0154% | 1,937 |
| Noninterest income to average assets | 0.1389% | 5,013 |
| Noninterest expense to average assets | 1.9094% | 4,883 |
| Loan and lease loss provision to assets | 0.2497% | 687 |
| Net operating income to assets | 1.3179% | 1,730 |
| Return on assets (ROA) | 1.4652% | 1,212 |
| Pretax return on assets | 2.0095% | 557 |
| Return on Equity (ROE) | 8.3818% | 3,282 |
| Retained earnings to average equity (ytd only) | 8.3818% | 1,091 |
| Net charge-offs to loans | 0.0625% | 2,231 |
| Credit loss provision to net charge-offs | 469.1964% | 730 |
| Earnings coverage of net charge-offs (x) | 38.9464% | 1,344 |
| Efficiency ratio | 47.9490% | 5,048 |
| Assets per employee ($millions) | 10.2018% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7123% | 810 |
| Loan loss allowance to noncurrent loans | 185.3764% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.7812% | 1,787 |
| Noncurrent loans to loans | 0.9237% | 1,737 |
| Net loans and leases to total assets | 83.1325% | 504 |
| Net loans and leases to deposits | 104.9439% | 426 |
| Net loans and leases to core deposits | 135.1826% | 247 |
| Total domestic deposits to total assets | 79.2162% | 4,263 |
| Equity capital to assets | 17.2348% | 403 |
| Core capital (leverage) ratio | 17.2353% | 389 |
| Tier 1 risk-based capital ratio | 19.1287% | 1,493 |
| Total risk-based capital ratio | 20.6001% | 1,401 |
| Memoranda: | ||
| Average total assets | $841,787,600 | 905 |
| Average earning assets | $805,695,600 | 876 |
| Average equity | $147,151,400 | 586 |
| Average total loans | $717,056,600 | 767 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9603% | 1,017 |
| Cost of funding earning assets | 0.9334% | 793 |
| Net interest margin | 4.0269% | 1,865 |
| Noninterest income to average assets | 0.1416% | 5,066 |
| Noninterest expense to average assets | 1.9680% | 4,798 |
| Loan and lease loss provision to assets | 0.2245% | 732 |
| Net operating income to assets | 1.2958% | 1,877 |
| Return on assets (ROA) | 1.4949% | 1,205 |
| Pretax return on assets | 2.0516% | 548 |
| Return on Equity (ROE) | 8.5197% | 3,320 |
| Retained earnings to average equity (ytd only) | 8.5197% | 1,410 |
| Net charge-offs to loans | 0.0679% | 1,865 |
| Credit loss provision to net charge-offs | 387.2576% | 841 |
| Earnings coverage of net charge-offs (x) | 34.9170% | 1,465 |
| Efficiency ratio | 49.2981% | 4,981 |
| Assets per employee ($millions) | 10.3933% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 919 |
| Loan loss allowance to noncurrent loans | 184.9048% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.7672% | 1,939 |
| Noncurrent loans to loans | 0.9057% | 1,888 |
| Net loans and leases to total assets | 83.2873% | 538 |
| Net loans and leases to deposits | 109.5576% | 304 |
| Net loans and leases to core deposits | 135.2546% | 253 |
| Total domestic deposits to total assets | 76.0215% | 4,788 |
| Equity capital to assets | 17.4102% | 390 |
| Core capital (leverage) ratio | 17.5472% | 368 |
| Tier 1 risk-based capital ratio | 19.3268% | 1,466 |
| Total risk-based capital ratio | 20.8443% | 1,380 |
| Memoranda: | ||
| Average total assets | $830,344,500 | 918 |
| Average earning assets | $793,935,750 | 883 |
| Average equity | $145,697,000 | 587 |
| Average total loans | $708,644,500 | 775 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9050% | 1,010 |
| Cost of funding earning assets | 0.8879% | 765 |
| Net interest margin | 4.0171% | 1,801 |
| Noninterest income to average assets | 0.1398% | 5,118 |
| Noninterest expense to average assets | 2.0335% | 4,739 |
| Loan and lease loss provision to assets | 0.2526% | 609 |
| Net operating income to assets | 1.2040% | 2,180 |
| Return on assets (ROA) | 1.4949% | 1,171 |
| Pretax return on assets | 2.0596% | 528 |
| Return on Equity (ROE) | 8.4965% | 3,265 |
| Retained earnings to average equity (ytd only) | 8.4965% | 1,409 |
| Net charge-offs to loans | 0.1030% | 1,324 |
| Credit loss provision to net charge-offs | 286.7036% | 1,037 |
| Earnings coverage of net charge-offs (x) | 22.0665% | 1,755 |
| Efficiency ratio | 51.1258% | 4,957 |
| Assets per employee ($millions) | 9.7338% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6646% | 970 |
| Loan loss allowance to noncurrent loans | 234.3398% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 2,390 |
| Noncurrent loans to loans | 0.7103% | 2,337 |
| Net loans and leases to total assets | 84.7825% | 374 |
| Net loans and leases to deposits | 110.6428% | 264 |
| Net loans and leases to core deposits | 136.1945% | 235 |
| Total domestic deposits to total assets | 76.6272% | 4,785 |
| Equity capital to assets | 17.6911% | 353 |
| Core capital (leverage) ratio | 17.5023% | 349 |
| Tier 1 risk-based capital ratio | 19.2872% | 1,477 |
| Total risk-based capital ratio | 20.7523% | 1,392 |
| Memoranda: | ||
| Average total assets | $819,578,670 | 935 |
| Average earning assets | $782,955,670 | 897 |
| Average equity | $144,200,000 | 587 |
| Average total loans | $701,290,000 | 783 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7907% | 1,099 |
| Cost of funding earning assets | 0.8492% | 768 |
| Net interest margin | 3.9415% | 1,893 |
| Noninterest income to average assets | 0.1432% | 5,153 |
| Noninterest expense to average assets | 1.9836% | 4,881 |
| Loan and lease loss provision to assets | 0.2844% | 473 |
| Net operating income to assets | 1.2132% | 1,949 |
| Return on assets (ROA) | 1.7978% | 569 |
| Pretax return on assets | 2.3774% | 275 |
| Return on Equity (ROE) | 10.2464% | 2,305 |
| Retained earnings to average equity (ytd only) | 10.2464% | 1,088 |
| Net charge-offs to loans | 0.0805% | 1,326 |
| Credit loss provision to net charge-offs | 414.2857% | 676 |
| Earnings coverage of net charge-offs (x) | 27.9929% | 1,288 |
| Efficiency ratio | 50.7911% | 5,039 |
| Assets per employee ($millions) | 9.7072% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 1,038 |
| Loan loss allowance to noncurrent loans | 189.0838% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 2,085 |
| Noncurrent loans to loans | 0.8766% | 2,070 |
| Net loans and leases to total assets | 83.7031% | 466 |
| Net loans and leases to deposits | 108.8734% | 294 |
| Net loans and leases to core deposits | 134.7971% | 276 |
| Total domestic deposits to total assets | 76.8811% | 4,872 |
| Equity capital to assets | 17.4432% | 364 |
| Core capital (leverage) ratio | 17.2795% | 356 |
| Tier 1 risk-based capital ratio | 19.4564% | 1,446 |
| Total risk-based capital ratio | 20.9215% | 1,368 |
| Memoranda: | ||
| Average total assets | $815,680,000 | 944 |
| Average earning assets | $778,590,000 | 906 |
| Average equity | $143,114,000 | 596 |
| Average total loans | $695,263,000 | 789 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6973% | 1,199 |
| Cost of funding earning assets | 0.7665% | 753 |
| Net interest margin | 3.9308% | 1,987 |
| Noninterest income to average assets | 0.6134% | 2,392 |
| Noninterest expense to average assets | 1.9585% | 5,026 |
| Loan and lease loss provision to assets | 0.1626% | 1,372 |
| Net operating income to assets | 1.2867% | 1,261 |
| Return on assets (ROA) | 1.3686% | 1,099 |
| Pretax return on assets | 2.3582% | 236 |
| Return on Equity (ROE) | 7.6787% | 2,965 |
| Retained earnings to average equity (ytd only) | 7.6787% | 865 |
| Net charge-offs to loans | 0.0108% | 3,712 |
| Credit loss provision to net charge-offs | 1,784.2857% | 213 |
| Earnings coverage of net charge-offs (x) | 262.5714% | 319 |
| Efficiency ratio | 45.0096% | 5,424 |
| Assets per employee ($millions) | 9.3750% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6273% | 1,080 |
| Loan loss allowance to noncurrent loans | 216.8441% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6406% | 2,407 |
| Noncurrent loans to loans | 0.7505% | 2,327 |
| Net loans and leases to total assets | 83.9744% | 449 |
| Net loans and leases to deposits | 112.4197% | 206 |
| Net loans and leases to core deposits | 140.1074% | 212 |
| Total domestic deposits to total assets | 74.6972% | 5,113 |
| Equity capital to assets | 17.6499% | 343 |
| Core capital (leverage) ratio | 17.5497% | 326 |
| Tier 1 risk-based capital ratio | 18.8418% | 1,545 |
| Total risk-based capital ratio | 20.4573% | 1,440 |
| Memoranda: | ||
| Average total assets | $768,131,400 | 968 |
| Average earning assets | $730,442,600 | 940 |
| Average equity | $136,910,400 | 600 |
| Average total loans | $648,311,000 | 809 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6880% | 1,164 |
| Cost of funding earning assets | 0.7545% | 740 |
| Net interest margin | 3.9335% | 1,923 |
| Noninterest income to average assets | 0.7684% | 1,707 |
| Noninterest expense to average assets | 1.9674% | 5,021 |
| Loan and lease loss provision to assets | 0.1352% | 1,600 |
| Net operating income to assets | 1.5364% | 825 |
| Return on assets (ROA) | 1.6091% | 719 |
| Pretax return on assets | 2.5188% | 199 |
| Return on Equity (ROE) | 9.0042% | 2,596 |
| Retained earnings to average equity (ytd only) | 9.0042% | 837 |
| Net charge-offs to loans | 0.0478% | 2,483 |
| Credit loss provision to net charge-offs | 335.8079% | 892 |
| Earnings coverage of net charge-offs (x) | 63.1170% | 959 |
| Efficiency ratio | 43.6447% | 5,494 |
| Assets per employee ($millions) | 9.0972% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5987% | 1,246 |
| Loan loss allowance to noncurrent loans | 232.9804% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.5794% | 2,781 |
| Noncurrent loans to loans | 0.6862% | 2,648 |
| Net loans and leases to total assets | 83.0875% | 535 |
| Net loans and leases to deposits | 107.7640% | 349 |
| Net loans and leases to core deposits | 135.1459% | 266 |
| Total domestic deposits to total assets | 77.1014% | 4,864 |
| Equity capital to assets | 17.9652% | 340 |
| Core capital (leverage) ratio | 17.6171% | 328 |
| Tier 1 risk-based capital ratio | 19.6990% | 1,438 |
| Total risk-based capital ratio | 21.2873% | 1,322 |
| Memoranda: | ||
| Average total assets | $758,602,500 | 981 |
| Average earning assets | $721,169,750 | 956 |
| Average equity | $135,562,500 | 608 |
| Average total loans | $638,328,500 | 825 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 1,230 |
| Cost of funding earning assets | 0.7323% | 753 |
| Net interest margin | 3.8810% | 1,996 |
| Noninterest income to average assets | 1.0534% | 912 |
| Noninterest expense to average assets | 1.9566% | 5,065 |
| Loan and lease loss provision to assets | 0.1412% | 1,450 |
| Net operating income to assets | 1.6575% | 619 |
| Return on assets (ROA) | 1.7126% | 559 |
| Pretax return on assets | 2.7271% | 152 |
| Return on Equity (ROE) | 9.6012% | 2,215 |
| Retained earnings to average equity (ytd only) | 9.6012% | 676 |
| Net charge-offs to loans | 0.0723% | 1,907 |
| Credit loss provision to net charge-offs | 232.4561% | 1,131 |
| Earnings coverage of net charge-offs (x) | 45.8026% | 1,143 |
| Efficiency ratio | 41.2886% | 5,597 |
| Assets per employee ($millions) | 9.2573% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 1,268 |
| Loan loss allowance to noncurrent loans | 218.8467% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 2,746 |
| Noncurrent loans to loans | 0.7286% | 2,566 |
| Net loans and leases to total assets | 81.9312% | 675 |
| Net loans and leases to deposits | 106.0730% | 395 |
| Net loans and leases to core deposits | 132.3615% | 270 |
| Total domestic deposits to total assets | 77.2404% | 4,923 |
| Equity capital to assets | 17.6914% | 342 |
| Core capital (leverage) ratio | 17.6828% | 316 |
| Tier 1 risk-based capital ratio | 19.5590% | 1,462 |
| Total risk-based capital ratio | 21.1266% | 1,358 |
| Memoranda: | ||
| Average total assets | $750,684,330 | 992 |
| Average earning assets | $712,860,330 | 971 |
| Average equity | $133,899,330 | 614 |
| Average total loans | $630,904,000 | 833 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6165% | 1,098 |
| Cost of funding earning assets | 0.7108% | 799 |
| Net interest margin | 3.9058% | 1,757 |
| Noninterest income to average assets | 0.1476% | 5,380 |
| Noninterest expense to average assets | 1.9712% | 5,113 |
| Loan and lease loss provision to assets | 0.0646% | 2,510 |
| Net operating income to assets | 1.1550% | 1,643 |
| Return on assets (ROA) | 1.1915% | 1,564 |
| Pretax return on assets | 1.8719% | 688 |
| Return on Equity (ROE) | 6.6513% | 3,579 |
| Retained earnings to average equity (ytd only) | 6.6513% | 2,003 |
| Net charge-offs to loans | 0.1137% | 1,260 |
| Credit loss provision to net charge-offs | 67.2316% | 1,859 |
| Earnings coverage of net charge-offs (x) | 19.5706% | 1,522 |
| Efficiency ratio | 51.1906% | 5,314 |
| Assets per employee ($millions) | 9.0820% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6051% | 1,365 |
| Loan loss allowance to noncurrent loans | 215.7427% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 1.2176% | 1,436 |
| Noncurrent loans to loans | 0.7440% | 2,630 |
| Net loans and leases to total assets | 81.0210% | 689 |
| Net loans and leases to deposits | 104.5632% | 381 |
| Net loans and leases to core deposits | 131.1704% | 250 |
| Total domestic deposits to total assets | 77.4852% | 5,042 |
| Equity capital to assets | 17.6840% | 326 |
| Core capital (leverage) ratio | 17.6781% | 311 |
| Tier 1 risk-based capital ratio | 19.9625% | 1,402 |
| Total risk-based capital ratio | 21.5482% | 1,301 |
| Memoranda: | ||
| Average total assets | $737,221,000 | 1,005 |
| Average earning assets | $698,968,000 | 988 |
| Average equity | $132,064,000 | 619 |
| Average total loans | $622,641,500 | 844 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4262% | 1,757 |
| Cost of funding earning assets | 0.6910% | 851 |
| Net interest margin | 3.7352% | 2,554 |
| Noninterest income to average assets | 0.1819% | 5,312 |
| Noninterest expense to average assets | 2.1593% | 4,864 |
| Loan and lease loss provision to assets | 0.2020% | 1,136 |
| Net operating income to assets | 0.8793% | 2,933 |
| Return on assets (ROA) | 0.9263% | 2,815 |
| Pretax return on assets | 1.4342% | 1,804 |
| Return on Equity (ROE) | 5.0013% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.0013% | 2,350 |
| Net charge-offs to loans | 0.0147% | 3,802 |
| Credit loss provision to net charge-offs | 1,638.8235% | 265 |
| Earnings coverage of net charge-offs (x) | 126.8588% | 483 |
| Efficiency ratio | 57.9954% | 4,852 |
| Assets per employee ($millions) | 8.4781% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 1,360 |
| Loan loss allowance to noncurrent loans | 107.4523% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.2941% | 1,361 |
| Noncurrent loans to loans | 1.4932% | 1,345 |
| Net loans and leases to total assets | 85.2799% | 276 |
| Net loans and leases to deposits | 110.9096% | 206 |
| Net loans and leases to core deposits | 138.0310% | 195 |
| Total domestic deposits to total assets | 76.8914% | 5,128 |
| Equity capital to assets | 18.1541% | 294 |
| Core capital (leverage) ratio | 18.1080% | 276 |
| Tier 1 risk-based capital ratio | 19.8785% | 1,399 |
| Total risk-based capital ratio | 21.4385% | 1,320 |
| Memoranda: | ||
| Average total assets | $689,494,000 | 1,030 |
| Average earning assets | $653,701,000 | 1,004 |
| Average equity | $127,705,600 | 628 |
| Average total loans | $577,646,200 | 861 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 1,699 |
| Cost of funding earning assets | 0.6856% | 874 |
| Net interest margin | 3.7641% | 2,478 |
| Noninterest income to average assets | 0.1799% | 5,379 |
| Noninterest expense to average assets | 2.1919% | 4,793 |
| Loan and lease loss provision to assets | 0.0864% | 2,496 |
| Net operating income to assets | 0.9338% | 2,731 |
| Return on assets (ROA) | 0.9705% | 2,705 |
| Pretax return on assets | 1.5259% | 1,631 |
| Return on Equity (ROE) | 5.2124% | 4,426 |
| Retained earnings to average equity (ytd only) | 5.2124% | 2,685 |
| Net charge-offs to loans | 0.0327% | 2,990 |
| Credit loss provision to net charge-offs | 317.9856% | 988 |
| Earnings coverage of net charge-offs (x) | 57.2010% | 994 |
| Efficiency ratio | 58.4978% | 4,751 |
| Assets per employee ($millions) | 8.4986% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 1,470 |
| Loan loss allowance to noncurrent loans | 97.1552% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.3573% | 1,384 |
| Noncurrent loans to loans | 1.6470% | 1,295 |
| Net loans and leases to total assets | 79.5606% | 954 |
| Net loans and leases to deposits | 101.5861% | 602 |
| Net loans and leases to core deposits | 126.9469% | 352 |
| Total domestic deposits to total assets | 78.3183% | 4,850 |
| Equity capital to assets | 18.6027% | 293 |
| Core capital (leverage) ratio | 18.2302% | 287 |
| Tier 1 risk-based capital ratio | 21.7016% | 1,169 |
| Total risk-based capital ratio | 23.2895% | 1,113 |
| Memoranda: | ||
| Average total assets | $681,708,500 | 1,044 |
| Average earning assets | $646,014,250 | 1,017 |
| Average equity | $126,925,750 | 634 |
| Average total loans | $565,913,000 | 875 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4810% | 1,576 |
| Cost of funding earning assets | 0.6751% | 921 |
| Net interest margin | 3.8059% | 2,298 |
| Noninterest income to average assets | 0.1753% | 5,444 |
| Noninterest expense to average assets | 2.2564% | 4,720 |
| Loan and lease loss provision to assets | 0.1303% | 1,755 |
| Net operating income to assets | 0.8735% | 2,990 |
| Return on assets (ROA) | 0.9009% | 2,992 |
| Pretax return on assets | 1.4359% | 1,886 |
| Return on Equity (ROE) | 4.8373% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.8373% | 2,841 |
| Net charge-offs to loans | 0.0487% | 2,509 |
| Credit loss provision to net charge-offs | 319.5652% | 919 |
| Earnings coverage of net charge-offs (x) | 37.3478% | 1,203 |
| Efficiency ratio | 59.6966% | 4,680 |
| Assets per employee ($millions) | 8.5974% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 1,630 |
| Loan loss allowance to noncurrent loans | 97.6709% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.3667% | 1,448 |
| Noncurrent loans to loans | 1.6029% | 1,338 |
| Net loans and leases to total assets | 82.4186% | 583 |
| Net loans and leases to deposits | 105.2607% | 393 |
| Net loans and leases to core deposits | 131.8733% | 279 |
| Total domestic deposits to total assets | 78.2995% | 4,940 |
| Equity capital to assets | 18.6219% | 285 |
| Core capital (leverage) ratio | 18.1847% | 281 |
| Tier 1 risk-based capital ratio | 20.8322% | 1,292 |
| Total risk-based capital ratio | 22.4481% | 1,222 |
| Memoranda: | ||
| Average total assets | $676,648,670 | 1,053 |
| Average earning assets | $640,839,000 | 1,024 |
| Average equity | $126,021,000 | 638 |
| Average total loans | $566,729,330 | 874 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 1,415 |
| Cost of funding earning assets | 0.6579% | 1,009 |
| Net interest margin | 3.8761% | 2,006 |
| Noninterest income to average assets | 0.1675% | 5,489 |
| Noninterest expense to average assets | 2.1792% | 4,952 |
| Loan and lease loss provision to assets | -0.0006% | 5,852 |
| Net operating income to assets | 0.9996% | 2,280 |
| Return on assets (ROA) | 0.9996% | 2,397 |
| Pretax return on assets | 1.6552% | 1,171 |
| Return on Equity (ROE) | 5.3668% | 4,309 |
| Retained earnings to average equity (ytd only) | 5.3668% | 2,733 |
| Net charge-offs to loans | 0.0591% | 1,916 |
| Credit loss provision to net charge-offs | -1.2048% | 4,073 |
| Earnings coverage of net charge-offs (x) | 33.4458% | 1,117 |
| Efficiency ratio | 56.8408% | 5,111 |
| Assets per employee ($millions) | 8.3440% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 1,812 |
| Loan loss allowance to noncurrent loans | 88.9404% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.4442% | 1,432 |
| Noncurrent loans to loans | 1.7349% | 1,291 |
| Net loans and leases to total assets | 80.4746% | 751 |
| Net loans and leases to deposits | 102.5446% | 482 |
| Net loans and leases to core deposits | 127.3109% | 317 |
| Total domestic deposits to total assets | 78.4777% | 5,062 |
| Equity capital to assets | 18.4310% | 294 |
| Core capital (leverage) ratio | 18.3824% | 267 |
| Tier 1 risk-based capital ratio | 21.1497% | 1,293 |
| Total risk-based capital ratio | 22.7075% | 1,217 |
| Memoranda: | ||
| Average total assets | $671,077,500 | 1,056 |
| Average earning assets | $634,768,000 | 1,031 |
| Average equity | $124,991,500 | 645 |
| Average total loans | $562,152,000 | 879 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 1,606 |
| Cost of funding earning assets | 0.5979% | 1,367 |
| Net interest margin | 3.8997% | 2,032 |
| Noninterest income to average assets | 0.2179% | 5,289 |
| Noninterest expense to average assets | 2.1601% | 5,133 |
| Loan and lease loss provision to assets | 0.4923% | 230 |
| Net operating income to assets | 0.8429% | 3,141 |
| Return on assets (ROA) | 0.9601% | 2,648 |
| Pretax return on assets | 1.4286% | 1,794 |
| Return on Equity (ROE) | 4.8394% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.8394% | 2,535 |
| Net charge-offs to loans | 0.5577% | 442 |
| Credit loss provision to net charge-offs | 104.1408% | 2,410 |
| Earnings coverage of net charge-offs (x) | 3.6932% | 3,678 |
| Efficiency ratio | 55.2999% | 5,409 |
| Assets per employee ($millions) | 8.2244% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 1,827 |
| Loan loss allowance to noncurrent loans | 74.7191% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 1.8252% | 1,038 |
| Noncurrent loans to loans | 2.0637% | 1,002 |
| Net loans and leases to total assets | 84.5582% | 342 |
| Net loans and leases to deposits | 111.6707% | 209 |
| Net loans and leases to core deposits | 135.7935% | 207 |
| Total domestic deposits to total assets | 75.7211% | 5,477 |
| Equity capital to assets | 18.8278% | 259 |
| Core capital (leverage) ratio | 19.3040% | 223 |
| Tier 1 risk-based capital ratio | 20.2994% | 1,426 |
| Total risk-based capital ratio | 21.7940% | 1,346 |
| Memoranda: | ||
| Average total assets | $612,984,800 | 1,110 |
| Average earning assets | $579,741,200 | 1,076 |
| Average equity | $121,606,200 | 627 |
| Average total loans | $519,604,800 | 899 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5183% | 1,540 |
| Cost of funding earning assets | 0.5984% | 1,415 |
| Net interest margin | 3.9199% | 1,967 |
| Noninterest income to average assets | 0.2253% | 5,302 |
| Noninterest expense to average assets | 2.1880% | 5,082 |
| Loan and lease loss provision to assets | 0.4640% | 229 |
| Net operating income to assets | 0.8816% | 3,032 |
| Return on assets (ROA) | 1.0365% | 2,387 |
| Pretax return on assets | 1.5076% | 1,665 |
| Return on Equity (ROE) | 5.1531% | 4,554 |
| Retained earnings to average equity (ytd only) | 5.1531% | 2,805 |
| Net charge-offs to loans | 0.7786% | 265 |
| Credit loss provision to net charge-offs | 70.5526% | 2,756 |
| Earnings coverage of net charge-offs (x) | 2.6567% | 3,628 |
| Efficiency ratio | 55.6025% | 5,399 |
| Assets per employee ($millions) | 7.6532% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 2,211 |
| Loan loss allowance to noncurrent loans | 66.7907% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.8876% | 1,108 |
| Noncurrent loans to loans | 2.2265% | 980 |
| Net loans and leases to total assets | 83.5206% | 424 |
| Net loans and leases to deposits | 106.7783% | 339 |
| Net loans and leases to core deposits | 126.5960% | 326 |
| Total domestic deposits to total assets | 78.2187% | 5,150 |
| Equity capital to assets | 19.9483% | 237 |
| Core capital (leverage) ratio | 19.4125% | 225 |
| Tier 1 risk-based capital ratio | 21.9273% | 1,203 |
| Total risk-based capital ratio | 23.3636% | 1,159 |
| Memoranda: | ||
| Average total assets | $601,743,750 | 1,141 |
| Average earning assets | $569,491,250 | 1,103 |
| Average equity | $121,038,500 | 636 |
| Average total loans | $508,240,250 | 921 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5358% | 1,435 |
| Cost of funding earning assets | 0.5883% | 1,498 |
| Net interest margin | 3.9475% | 1,821 |
| Noninterest income to average assets | 0.1952% | 5,515 |
| Noninterest expense to average assets | 2.2058% | 5,101 |
| Loan and lease loss provision to assets | 0.0839% | 2,440 |
| Net operating income to assets | 1.1205% | 1,875 |
| Return on assets (ROA) | 1.2838% | 1,429 |
| Pretax return on assets | 1.8852% | 754 |
| Return on Equity (ROE) | 6.3643% | 3,955 |
| Retained earnings to average equity (ytd only) | 6.3643% | 2,027 |
| Net charge-offs to loans | 0.0012% | 3,866 |
| Credit loss provision to net charge-offs | 8,366.6667% | 58 |
| Earnings coverage of net charge-offs (x) | 1,724.0000% | 30 |
| Efficiency ratio | 56.0578% | 5,422 |
| Assets per employee ($millions) | 7.6256% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7539% | 1,485 |
| Loan loss allowance to noncurrent loans | 61.4641% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 2.3815% | 829 |
| Noncurrent loans to loans | 2.8535% | 718 |
| Net loans and leases to total assets | 81.1797% | 646 |
| Net loans and leases to deposits | 104.9794% | 409 |
| Net loans and leases to core deposits | 123.9458% | 377 |
| Total domestic deposits to total assets | 77.3292% | 5,406 |
| Equity capital to assets | 20.0100% | 227 |
| Core capital (leverage) ratio | 19.9636% | 207 |
| Tier 1 risk-based capital ratio | 22.3672% | 1,153 |
| Total risk-based capital ratio | 23.9177% | 1,098 |
| Memoranda: | ||
| Average total assets | $598,240,330 | 1,155 |
| Average earning assets | $566,741,330 | 1,112 |
| Average equity | $120,673,330 | 643 |
| Average total loans | $504,628,000 | 925 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 1,565 |
| Cost of funding earning assets | 0.6004% | 1,437 |
| Net interest margin | 3.8657% | 2,012 |
| Noninterest income to average assets | 0.1749% | 5,664 |
| Noninterest expense to average assets | 2.0846% | 5,421 |
| Loan and lease loss provision to assets | 0.1695% | 1,176 |
| Net operating income to assets | 1.0930% | 1,894 |
| Return on assets (ROA) | 1.2560% | 1,471 |
| Pretax return on assets | 1.8226% | 837 |
| Return on Equity (ROE) | 6.2013% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.2013% | 2,378 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2817% | 5,653 |
| Assets per employee ($millions) | 7.9622% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7306% | 1,666 |
| Loan loss allowance to noncurrent loans | 62.6612% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 2.3876% | 914 |
| Noncurrent loans to loans | 2.7618% | 839 |
| Net loans and leases to total assets | 84.0959% | 302 |
| Net loans and leases to deposits | 106.4226% | 303 |
| Net loans and leases to core deposits | 125.7266% | 298 |
| Total domestic deposits to total assets | 79.0207% | 5,261 |
| Equity capital to assets | 20.2018% | 217 |
| Core capital (leverage) ratio | 19.7002% | 220 |
| Tier 1 risk-based capital ratio | 21.9957% | 1,247 |
| Total risk-based capital ratio | 23.6026% | 1,173 |
| Memoranda: | ||
| Average total assets | $592,338,000 | 1,168 |
| Average earning assets | $561,656,500 | 1,125 |
| Average equity | $119,975,000 | 645 |
| Average total loans | $504,905,000 | 927 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4271% | 2,135 |
| Cost of funding earning assets | 0.5911% | 1,849 |
| Net interest margin | 3.8360% | 2,486 |
| Noninterest income to average assets | 0.1895% | 5,721 |
| Noninterest expense to average assets | 2.3124% | 5,080 |
| Loan and lease loss provision to assets | 0.4602% | 358 |
| Net operating income to assets | 0.7901% | 3,426 |
| Return on assets (ROA) | 1.0044% | 2,442 |
| Pretax return on assets | 1.3580% | 2,050 |
| Return on Equity (ROE) | 4.9148% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.9148% | 2,669 |
| Net charge-offs to loans | -0.0043% | 5,450 |
| Credit loss provision to net charge-offs | -13,160.0000% | 6,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2058% | 5,192 |
| Assets per employee ($millions) | 7.2532% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7228% | 1,719 |
| Loan loss allowance to noncurrent loans | 60.5226% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 2.4411% | 951 |
| Noncurrent loans to loans | 2.8466% | 812 |
| Net loans and leases to total assets | 83.4337% | 383 |
| Net loans and leases to deposits | 105.7092% | 368 |
| Net loans and leases to core deposits | 123.2849% | 335 |
| Total domestic deposits to total assets | 78.9275% | 5,263 |
| Equity capital to assets | 20.3080% | 217 |
| Core capital (leverage) ratio | 19.6060% | 223 |
| Tier 1 risk-based capital ratio | 23.5290% | 1,003 |
| Total risk-based capital ratio | 25.2499% | 936 |
| Memoranda: | ||
| Average total assets | $571,962,400 | 1,156 |
| Average earning assets | $544,421,600 | 1,109 |
| Average equity | $116,892,800 | 620 |
| Average total loans | $467,558,600 | 950 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3980% | 2,230 |
| Cost of funding earning assets | 0.5819% | 2,002 |
| Net interest margin | 3.8161% | 2,556 |
| Noninterest income to average assets | 0.1913% | 5,773 |
| Noninterest expense to average assets | 2.3553% | 4,957 |
| Loan and lease loss provision to assets | 0.0718% | 2,910 |
| Net operating income to assets | 1.0051% | 2,429 |
| Return on assets (ROA) | 1.2303% | 1,639 |
| Pretax return on assets | 1.7129% | 1,036 |
| Return on Equity (ROE) | 6.0102% | 4,228 |
| Retained earnings to average equity (ytd only) | 6.0102% | 2,403 |
| Net charge-offs to loans | 0.0026% | 4,616 |
| Credit loss provision to net charge-offs | 3,400.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 696.7600% | 112 |
| Efficiency ratio | 61.5418% | 4,956 |
| Assets per employee ($millions) | 7.5671% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 3,584 |
| Loan loss allowance to noncurrent loans | 43.4159% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 2.4906% | 1,067 |
| Noncurrent loans to loans | 3.0235% | 879 |
| Net loans and leases to total assets | 80.4873% | 663 |
| Net loans and leases to deposits | 102.0116% | 499 |
| Net loans and leases to core deposits | 115.9771% | 506 |
| Total domestic deposits to total assets | 78.9001% | 5,349 |
| Equity capital to assets | 20.3512% | 213 |
| Core capital (leverage) ratio | 20.1113% | 209 |
| Tier 1 risk-based capital ratio | 24.4522% | 939 |
| Total risk-based capital ratio | 26.1615% | 877 |
| Memoranda: | ||
| Average total assets | $568,075,250 | 1,175 |
| Average earning assets | $541,236,750 | 1,125 |
| Average equity | $116,288,000 | 619 |
| Average total loans | $459,754,500 | 965 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4689% | 1,932 |
| Cost of funding earning assets | 0.5835% | 2,042 |
| Net interest margin | 3.8854% | 2,234 |
| Noninterest income to average assets | 0.1761% | 5,892 |
| Noninterest expense to average assets | 2.3536% | 5,013 |
| Loan and lease loss provision to assets | 0.1087% | 2,201 |
| Net operating income to assets | 1.0329% | 2,191 |
| Return on assets (ROA) | 1.3032% | 1,350 |
| Pretax return on assets | 1.7848% | 871 |
| Return on Equity (ROE) | 6.3537% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.3537% | 2,115 |
| Net charge-offs to loans | 0.0114% | 4,023 |
| Credit loss provision to net charge-offs | 1,176.9231% | 297 |
| Earnings coverage of net charge-offs (x) | 164.9615% | 377 |
| Efficiency ratio | 60.7126% | 5,188 |
| Assets per employee ($millions) | 7.2141% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 3,583 |
| Loan loss allowance to noncurrent loans | 76.9926% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.4359% | 2,272 |
| Noncurrent loans to loans | 1.7538% | 1,967 |
| Net loans and leases to total assets | 80.7682% | 595 |
| Net loans and leases to deposits | 103.0941% | 395 |
| Net loans and leases to core deposits | 115.7576% | 484 |
| Total domestic deposits to total assets | 78.3442% | 5,574 |
| Equity capital to assets | 20.8636% | 179 |
| Core capital (leverage) ratio | 20.1275% | 192 |
| Tier 1 risk-based capital ratio | 24.8663% | 888 |
| Total risk-based capital ratio | 26.6405% | 815 |
| Memoranda: | ||
| Average total assets | $563,211,330 | 1,183 |
| Average earning assets | $536,423,330 | 1,131 |
| Average equity | $115,524,000 | 615 |
| Average total loans | $454,602,330 | 970 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3954% | 2,151 |
| Cost of funding earning assets | 0.5845% | 2,123 |
| Net interest margin | 3.8110% | 2,425 |
| Noninterest income to average assets | 0.1654% | 5,988 |
| Noninterest expense to average assets | 2.1453% | 5,589 |
| Loan and lease loss provision to assets | 0.0362% | 3,335 |
| Net operating income to assets | 1.1890% | 1,515 |
| Return on assets (ROA) | 1.5241% | 809 |
| Pretax return on assets | 2.0658% | 457 |
| Return on Equity (ROE) | 7.4948% | 3,206 |
| Retained earnings to average equity (ytd only) | 7.4948% | 1,823 |
| Net charge-offs to loans | 0.0221% | 3,136 |
| Credit loss provision to net charge-offs | 204.0000% | 1,025 |
| Earnings coverage of net charge-offs (x) | 92.9200% | 485 |
| Efficiency ratio | 56.5388% | 5,793 |
| Assets per employee ($millions) | 7.2032% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 4,076 |
| Loan loss allowance to noncurrent loans | 79.7621% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.3315% | 2,657 |
| Noncurrent loans to loans | 1.6421% | 2,370 |
| Net loans and leases to total assets | 80.0223% | 549 |
| Net loans and leases to deposits | 101.9681% | 366 |
| Net loans and leases to core deposits | 114.6900% | 441 |
| Total domestic deposits to total assets | 78.4777% | 5,757 |
| Equity capital to assets | 20.5804% | 188 |
| Core capital (leverage) ratio | 19.7955% | 216 |
| Tier 1 risk-based capital ratio | 24.7959% | 913 |
| Total risk-based capital ratio | 26.5532% | 838 |
| Memoranda: | ||
| Average total assets | $563,465,500 | 1,180 |
| Average earning assets | $536,558,500 | 1,143 |
| Average equity | $114,586,000 | 623 |
| Average total loans | $451,550,500 | 973 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4964% | 2,223 |
| Cost of funding earning assets | 0.6248% | 2,437 |
| Net interest margin | 3.8715% | 2,394 |
| Noninterest income to average assets | 0.3530% | 4,786 |
| Noninterest expense to average assets | 2.1584% | 5,716 |
| Loan and lease loss provision to assets | 0.1536% | 2,358 |
| Net operating income to assets | 1.1029% | 1,924 |
| Return on assets (ROA) | 1.1008% | 1,998 |
| Pretax return on assets | 1.7054% | 937 |
| Return on Equity (ROE) | 5.5804% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.5804% | 2,231 |
| Net charge-offs to loans | 0.1511% | 3,291 |
| Credit loss provision to net charge-offs | 131.7901% | 1,790 |
| Earnings coverage of net charge-offs (x) | 15.9830% | 1,833 |
| Efficiency ratio | 53.6828% | 6,168 |
| Assets per employee ($millions) | 7.2447% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 3,994 |
| Loan loss allowance to noncurrent loans | 99.0662% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.0613% | 3,292 |
| Noncurrent loans to loans | 1.3400% | 2,899 |
| Net loans and leases to total assets | 78.1459% | 808 |
| Net loans and leases to deposits | 99.0259% | 535 |
| Net loans and leases to core deposits | 111.2348% | 564 |
| Total domestic deposits to total assets | 78.9147% | 5,669 |
| Equity capital to assets | 20.0929% | 206 |
| Core capital (leverage) ratio | 19.5057% | 223 |
| Tier 1 risk-based capital ratio | 24.5620% | 898 |
| Total risk-based capital ratio | 26.3608% | 828 |
| Memoranda: | ||
| Average total assets | $556,160,400 | 1,187 |
| Average earning assets | $526,869,800 | 1,148 |
| Average equity | $109,705,400 | 643 |
| Average total loans | $428,798,600 | 1,002 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4347% | 2,482 |
| Cost of funding earning assets | 0.6284% | 2,564 |
| Net interest margin | 3.8063% | 2,615 |
| Noninterest income to average assets | 0.3620% | 4,801 |
| Noninterest expense to average assets | 2.1605% | 5,700 |
| Loan and lease loss provision to assets | 0.1692% | 2,146 |
| Net operating income to assets | 1.0565% | 2,163 |
| Return on assets (ROA) | 1.0222% | 2,373 |
| Pretax return on assets | 1.5807% | 1,387 |
| Return on Equity (ROE) | 5.2071% | 4,624 |
| Retained earnings to average equity (ytd only) | 5.2071% | 2,931 |
| Net charge-offs to loans | 0.2050% | 2,595 |
| Credit loss provision to net charge-offs | 107.8221% | 2,178 |
| Earnings coverage of net charge-offs (x) | 11.4862% | 2,239 |
| Efficiency ratio | 54.5156% | 6,057 |
| Assets per employee ($millions) | 7.4343% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 4,277 |
| Loan loss allowance to noncurrent loans | 81.2070% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.3182% | 3,010 |
| Noncurrent loans to loans | 1.6285% | 2,736 |
| Net loans and leases to total assets | 77.4321% | 814 |
| Net loans and leases to deposits | 98.0906% | 566 |
| Net loans and leases to core deposits | 109.5678% | 592 |
| Total domestic deposits to total assets | 78.9394% | 5,751 |
| Equity capital to assets | 19.9494% | 216 |
| Core capital (leverage) ratio | 19.3469% | 224 |
| Tier 1 risk-based capital ratio | 24.6898% | 909 |
| Total risk-based capital ratio | 26.4201% | 848 |
| Memoranda: | ||
| Average total assets | $553,929,250 | 1,208 |
| Average earning assets | $524,071,000 | 1,170 |
| Average equity | $108,746,250 | 656 |
| Average total loans | $424,115,250 | 1,013 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4167% | 2,500 |
| Cost of funding earning assets | 0.6233% | 2,744 |
| Net interest margin | 3.7933% | 2,580 |
| Noninterest income to average assets | 0.3155% | 5,177 |
| Noninterest expense to average assets | 2.2225% | 5,570 |
| Loan and lease loss provision to assets | 0.1632% | 2,287 |
| Net operating income to assets | 0.9875% | 2,382 |
| Return on assets (ROA) | 0.9466% | 2,733 |
| Pretax return on assets | 1.4496% | 1,765 |
| Return on Equity (ROE) | 4.8482% | 4,802 |
| Retained earnings to average equity (ytd only) | 4.8482% | 3,146 |
| Net charge-offs to loans | 0.3026% | 1,976 |
| Credit loss provision to net charge-offs | 71.0236% | 2,800 |
| Earnings coverage of net charge-offs (x) | 7.2929% | 2,568 |
| Efficiency ratio | 57.0129% | 5,852 |
| Assets per employee ($millions) | 7.6165% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 4,473 |
| Loan loss allowance to noncurrent loans | 87.8045% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.3696% | 3,048 |
| Noncurrent loans to loans | 1.4890% | 3,074 |
| Net loans and leases to total assets | 75.3661% | 1,060 |
| Net loans and leases to deposits | 95.3964% | 711 |
| Net loans and leases to core deposits | 106.6639% | 710 |
| Total domestic deposits to total assets | 79.0031% | 5,801 |
| Equity capital to assets | 19.7028% | 220 |
| Core capital (leverage) ratio | 19.1477% | 227 |
| Tier 1 risk-based capital ratio | 24.8791% | 888 |
| Total risk-based capital ratio | 26.6187% | 818 |
| Memoranda: | ||
| Average total assets | $552,713,670 | 1,211 |
| Average earning assets | $522,021,670 | 1,176 |
| Average equity | $107,917,330 | 665 |
| Average total loans | $419,644,000 | 1,015 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4756% | 2,253 |
| Cost of funding earning assets | 0.6355% | 2,785 |
| Net interest margin | 3.8401% | 2,321 |
| Noninterest income to average assets | 0.3774% | 4,646 |
| Noninterest expense to average assets | 2.2676% | 5,511 |
| Loan and lease loss provision to assets | -0.0007% | 6,710 |
| Net operating income to assets | 1.1294% | 1,745 |
| Return on assets (ROA) | 1.1294% | 1,863 |
| Pretax return on assets | 1.7290% | 1,006 |
| Return on Equity (ROE) | 5.8113% | 4,141 |
| Retained earnings to average equity (ytd only) | 5.8113% | 2,772 |
| Net charge-offs to loans | 0.0662% | 3,167 |
| Credit loss provision to net charge-offs | -1.4493% | 4,944 |
| Earnings coverage of net charge-offs (x) | 34.5072% | 888 |
| Efficiency ratio | 56.7484% | 5,993 |
| Assets per employee ($millions) | 7.3350% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 4,444 |
| Loan loss allowance to noncurrent loans | 82.7611% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.7118% | 2,725 |
| Noncurrent loans to loans | 1.6374% | 3,085 |
| Net loans and leases to total assets | 74.9591% | 967 |
| Net loans and leases to deposits | 94.6176% | 632 |
| Net loans and leases to core deposits | 105.9168% | 647 |
| Total domestic deposits to total assets | 79.2232% | 5,920 |
| Equity capital to assets | 19.6527% | 229 |
| Core capital (leverage) ratio | 19.1732% | 230 |
| Tier 1 risk-based capital ratio | 23.9964% | 1,012 |
| Total risk-based capital ratio | 25.7107% | 942 |
| Memoranda: | ||
| Average total assets | $551,067,000 | 1,227 |
| Average earning assets | $519,261,000 | 1,197 |
| Average equity | $107,101,500 | 675 |
| Average total loans | $417,170,000 | 1,024 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9122% | 1,798 |
| Cost of funding earning assets | 0.7556% | 3,046 |
| Net interest margin | 4.1566% | 1,793 |
| Noninterest income to average assets | 0.4025% | 4,590 |
| Noninterest expense to average assets | 2.4141% | 5,369 |
| Loan and lease loss provision to assets | 0.4658% | 1,340 |
| Net operating income to assets | 1.0487% | 2,128 |
| Return on assets (ROA) | 1.1591% | 1,897 |
| Pretax return on assets | 1.6089% | 1,355 |
| Return on Equity (ROE) | 5.5293% | 4,414 |
| Retained earnings to average equity (ytd only) | 5.5293% | 2,362 |
| Net charge-offs to loans | -0.0571% | 6,729 |
| Credit loss provision to net charge-offs | -1,040.5797% | 6,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6814% | 6,092 |
| Assets per employee ($millions) | 7.3601% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 4,269 |
| Loan loss allowance to noncurrent loans | 64.5470% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 2.1550% | 2,273 |
| Noncurrent loans to loans | 2.1343% | 2,542 |
| Net loans and leases to total assets | 74.3776% | 1,143 |
| Net loans and leases to deposits | 93.3920% | 793 |
| Net loans and leases to core deposits | 104.5466% | 759 |
| Total domestic deposits to total assets | 79.6403% | 5,754 |
| Equity capital to assets | 19.2186% | 250 |
| Core capital (leverage) ratio | 18.6930% | 246 |
| Tier 1 risk-based capital ratio | 23.7382% | 1,001 |
| Total risk-based capital ratio | 25.3173% | 945 |
| Memoranda: | ||
| Average total assets | $462,416,000 | 1,426 |
| Average earning assets | $437,547,000 | 1,378 |
| Average equity | $96,938,400 | 730 |
| Average total loans | $362,448,400 | 1,153 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0272% | 1,617 |
| Cost of funding earning assets | 0.7800% | 3,112 |
| Net interest margin | 4.2472% | 1,601 |
| Noninterest income to average assets | 0.4860% | 4,018 |
| Noninterest expense to average assets | 2.3695% | 5,488 |
| Loan and lease loss provision to assets | 0.6524% | 809 |
| Net operating income to assets | 1.1242% | 2,007 |
| Return on assets (ROA) | 1.1408% | 2,139 |
| Pretax return on assets | 1.5123% | 1,837 |
| Return on Equity (ROE) | 5.3036% | 4,687 |
| Retained earnings to average equity (ytd only) | 5.3036% | 3,155 |
| Net charge-offs to loans | -0.0791% | 6,808 |
| Credit loss provision to net charge-offs | -1,040.0966% | 6,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5149% | 6,401 |
| Assets per employee ($millions) | 7.5039% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 4,338 |
| Loan loss allowance to noncurrent loans | 66.6512% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 2.1421% | 2,503 |
| Noncurrent loans to loans | 2.1133% | 2,712 |
| Net loans and leases to total assets | 72.2769% | 1,504 |
| Net loans and leases to deposits | 90.6802% | 1,077 |
| Net loans and leases to core deposits | 102.3552% | 965 |
| Total domestic deposits to total assets | 79.7052% | 5,727 |
| Equity capital to assets | 18.9555% | 301 |
| Core capital (leverage) ratio | 19.7171% | 220 |
| Tier 1 risk-based capital ratio | 24.0250% | 1,016 |
| Total risk-based capital ratio | 25.7471% | 946 |
| Memoranda: | ||
| Average total assets | $440,018,500 | 1,512 |
| Average earning assets | $417,107,250 | 1,459 |
| Average equity | $94,651,000 | 749 |
| Average total loans | $348,984,500 | 1,207 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 1,353 |
| Cost of funding earning assets | 0.7950% | 3,228 |
| Net interest margin | 4.3640% | 1,299 |
| Noninterest income to average assets | 0.1882% | 6,218 |
| Noninterest expense to average assets | 2.3008% | 5,734 |
| Loan and lease loss provision to assets | 0.4238% | 1,539 |
| Net operating income to assets | 1.1141% | 2,001 |
| Return on assets (ROA) | 1.1031% | 2,253 |
| Pretax return on assets | 1.5976% | 1,555 |
| Return on Equity (ROE) | 4.8620% | 4,868 |
| Retained earnings to average equity (ytd only) | 4.8620% | 3,361 |
| Net charge-offs to loans | -0.1262% | 6,905 |
| Credit loss provision to net charge-offs | -409.1346% | 6,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0364% | 6,412 |
| Assets per employee ($millions) | 7.6216% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 4,878 |
| Loan loss allowance to noncurrent loans | 56.1850% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 2.9442% | 1,872 |
| Noncurrent loans to loans | 2.3162% | 2,584 |
| Net loans and leases to total assets | 83.2306% | 251 |
| Net loans and leases to deposits | 109.0382% | 164 |
| Net loans and leases to core deposits | 128.0313% | 225 |
| Total domestic deposits to total assets | 76.3316% | 6,414 |
| Equity capital to assets | 22.8551% | 134 |
| Core capital (leverage) ratio | 22.2020% | 129 |
| Tier 1 risk-based capital ratio | 25.8476% | 821 |
| Total risk-based capital ratio | 27.6325% | 762 |
| Memoranda: | ||
| Average total assets | $401,594,330 | 1,640 |
| Average earning assets | $381,899,330 | 1,584 |
| Average equity | $91,115,330 | 766 |
| Average total loans | $329,619,000 | 1,287 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2055% | 1,308 |
| Cost of funding earning assets | 0.8154% | 3,348 |
| Net interest margin | 4.3901% | 1,251 |
| Noninterest income to average assets | 0.1868% | 6,262 |
| Noninterest expense to average assets | 2.2776% | 5,827 |
| Loan and lease loss provision to assets | 0.1498% | 3,492 |
| Net operating income to assets | 1.3106% | 1,432 |
| Return on assets (ROA) | 1.3106% | 1,597 |
| Pretax return on assets | 1.9330% | 827 |
| Return on Equity (ROE) | 5.7981% | 4,405 |
| Retained earnings to average equity (ytd only) | 5.7981% | 3,077 |
| Net charge-offs to loans | -0.8244% | 7,199 |
| Credit loss provision to net charge-offs | -22.4551% | 5,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2337% | 6,520 |
| Assets per employee ($millions) | 7.7374% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 5,170 |
| Loan loss allowance to noncurrent loans | 62.8015% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 2.6259% | 2,253 |
| Noncurrent loans to loans | 2.0192% | 3,132 |
| Net loans and leases to total assets | 81.1211% | 332 |
| Net loans and leases to deposits | 106.1863% | 203 |
| Net loans and leases to core deposits | 126.0265% | 235 |
| Total domestic deposits to total assets | 76.3951% | 6,502 |
| Equity capital to assets | 22.6754% | 134 |
| Core capital (leverage) ratio | 22.1403% | 128 |
| Tier 1 risk-based capital ratio | 26.3009% | 783 |
| Total risk-based capital ratio | 28.0580% | 733 |
| Memoranda: | ||
| Average total assets | $400,419,500 | 1,653 |
| Average earning assets | $380,672,500 | 1,594 |
| Average equity | $90,512,000 | 769 |
| Average total loans | $324,109,500 | 1,306 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2374% | 1,919 |
| Cost of funding earning assets | 1.0135% | 3,274 |
| Net interest margin | 4.2240% | 1,980 |
| Noninterest income to average assets | 0.6820% | 2,709 |
| Noninterest expense to average assets | 2.2665% | 6,127 |
| Loan and lease loss provision to assets | 0.0005% | 6,494 |
| Net operating income to assets | 1.6918% | 558 |
| Return on assets (ROA) | 1.7254% | 569 |
| Pretax return on assets | 2.4592% | 219 |
| Return on Equity (ROE) | 7.9985% | 2,899 |
| Retained earnings to average equity (ytd only) | 7.9985% | 1,079 |
| Net charge-offs to loans | 0.0027% | 6,415 |
| Credit loss provision to net charge-offs | 25.0000% | 5,855 |
| Earnings coverage of net charge-offs (x) | 1,187.2500% | 19 |
| Efficiency ratio | 48.4477% | 6,922 |
| Assets per employee ($millions) | 7.3795% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 5,950 |
| Loan loss allowance to noncurrent loans | 47.3544% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 2.7983% | 2,160 |
| Noncurrent loans to loans | 2.2431% | 2,904 |
| Net loans and leases to total assets | 78.8635% | 624 |
| Net loans and leases to deposits | 103.4552% | 325 |
| Net loans and leases to core deposits | 124.2688% | 294 |
| Total domestic deposits to total assets | 76.2296% | 6,451 |
| Equity capital to assets | 22.5325% | 142 |
| Core capital (leverage) ratio | 22.2179% | 136 |
| Tier 1 risk-based capital ratio | 27.0864% | 706 |
| Total risk-based capital ratio | 28.6405% | 657 |
| Memoranda: | ||
| Average total assets | $393,827,800 | 1,644 |
| Average earning assets | $372,587,400 | 1,596 |
| Average equity | $84,953,800 | 791 |
| Average total loans | $299,304,600 | 1,421 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2961% | 1,877 |
| Cost of funding earning assets | 1.0413% | 3,379 |
| Net interest margin | 4.2549% | 1,893 |
| Noninterest income to average assets | 0.1609% | 6,442 |
| Noninterest expense to average assets | 2.2917% | 6,060 |
| Loan and lease loss provision to assets | 0.0003% | 6,392 |
| Net operating income to assets | 1.3618% | 1,240 |
| Return on assets (ROA) | 1.8380% | 522 |
| Pretax return on assets | 2.5514% | 222 |
| Return on Equity (ROE) | 8.6181% | 2,774 |
| Retained earnings to average equity (ytd only) | 8.6181% | 1,274 |
| Net charge-offs to loans | -0.0167% | 6,870 |
| Credit loss provision to net charge-offs | -2.7027% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7986% | 6,412 |
| Assets per employee ($millions) | 7.7518% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 5,782 |
| Loan loss allowance to noncurrent loans | 69.9264% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 2.4677% | 2,609 |
| Noncurrent loans to loans | 1.6108% | 3,881 |
| Net loans and leases to total assets | 74.4331% | 1,248 |
| Net loans and leases to deposits | 96.6991% | 663 |
| Net loans and leases to core deposits | 115.4039% | 514 |
| Total domestic deposits to total assets | 76.9740% | 6,378 |
| Equity capital to assets | 21.7223% | 177 |
| Core capital (leverage) ratio | 21.9922% | 152 |
| Tier 1 risk-based capital ratio | 27.5784% | 693 |
| Total risk-based capital ratio | 29.0308% | 659 |
| Memoranda: | ||
| Average total assets | $392,661,000 | 1,664 |
| Average earning assets | $371,079,000 | 1,607 |
| Average equity | $83,744,500 | 806 |
| Average total loans | $294,720,500 | 1,458 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3428% | 1,739 |
| Cost of funding earning assets | 1.0538% | 3,578 |
| Net interest margin | 4.2890% | 1,708 |
| Noninterest income to average assets | 0.1470% | 6,592 |
| Noninterest expense to average assets | 2.2211% | 6,328 |
| Loan and lease loss provision to assets | 0.0005% | 6,216 |
| Net operating income to assets | 1.5908% | 743 |
| Return on assets (ROA) | 1.5900% | 789 |
| Pretax return on assets | 1.9739% | 617 |
| Return on Equity (ROE) | 7.5031% | 3,188 |
| Retained earnings to average equity (ytd only) | 7.5031% | 1,657 |
| Net charge-offs to loans | -0.0199% | 6,821 |
| Credit loss provision to net charge-offs | -3.4483% | 6,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9268% | 6,723 |
| Assets per employee ($millions) | 7.4646% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 5,685 |
| Loan loss allowance to noncurrent loans | 68.9028% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 2.6265% | 2,535 |
| Noncurrent loans to loans | 1.6912% | 3,893 |
| Net loans and leases to total assets | 73.1056% | 1,574 |
| Net loans and leases to deposits | 93.8511% | 880 |
| Net loans and leases to core deposits | 111.9124% | 654 |
| Total domestic deposits to total assets | 77.8953% | 6,304 |
| Equity capital to assets | 21.3307% | 200 |
| Core capital (leverage) ratio | 21.3131% | 177 |
| Tier 1 risk-based capital ratio | 26.7168% | 745 |
| Total risk-based capital ratio | 27.9927% | 730 |
| Memoranda: | ||
| Average total assets | $389,184,000 | 1,685 |
| Average earning assets | $367,448,330 | 1,633 |
| Average equity | $82,472,330 | 817 |
| Average total loans | $291,810,000 | 1,490 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3732% | 1,666 |
| Cost of funding earning assets | 1.0621% | 3,774 |
| Net interest margin | 4.3111% | 1,529 |
| Noninterest income to average assets | 0.1378% | 6,721 |
| Noninterest expense to average assets | 2.2054% | 6,411 |
| Loan and lease loss provision to assets | 0.0021% | 5,832 |
| Net operating income to assets | 1.2761% | 1,329 |
| Return on assets (ROA) | 1.2747% | 1,382 |
| Pretax return on assets | 2.0002% | 561 |
| Return on Equity (ROE) | 6.0358% | 3,885 |
| Retained earnings to average equity (ytd only) | 6.0358% | 2,617 |
| Net charge-offs to loans | 0.0027% | 5,092 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 967.0000% | 11 |
| Efficiency ratio | 52.3880% | 6,830 |
| Assets per employee ($millions) | 8.2912% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1471% | 5,861 |
| Loan loss allowance to noncurrent loans | 74.9280% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 2.6829% | 2,561 |
| Noncurrent loans to loans | 1.5310% | 4,176 |
| Net loans and leases to total assets | 74.7441% | 1,230 |
| Net loans and leases to deposits | 96.0694% | 686 |
| Net loans and leases to core deposits | 114.2980% | 595 |
| Total domestic deposits to total assets | 77.8022% | 6,401 |
| Equity capital to assets | 21.1539% | 201 |
| Core capital (leverage) ratio | 21.2051% | 181 |
| Tier 1 risk-based capital ratio | 25.9174% | 797 |
| Total risk-based capital ratio | 27.1692% | 778 |
| Memoranda: | ||
| Average total assets | $385,965,000 | 1,709 |
| Average earning assets | $364,551,500 | 1,653 |
| Average equity | $81,514,000 | 814 |
| Average total loans | $291,399,000 | 1,510 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7671% | 1,363 |
| Cost of funding earning assets | 1.2495% | 4,217 |
| Net interest margin | 4.5176% | 1,191 |
| Noninterest income to average assets | 0.4748% | 4,351 |
| Noninterest expense to average assets | 2.5177% | 5,722 |
| Loan and lease loss provision to assets | 0.0536% | 6,612 |
| Net operating income to assets | 1.5231% | 725 |
| Return on assets (ROA) | 1.5396% | 764 |
| Pretax return on assets | 2.1991% | 325 |
| Return on Equity (ROE) | 7.5598% | 2,864 |
| Retained earnings to average equity (ytd only) | 7.5598% | 1,129 |
| Net charge-offs to loans | 0.2328% | 4,886 |
| Credit loss provision to net charge-offs | 30.1043% | 6,492 |
| Earnings coverage of net charge-offs (x) | 12.5231% | 1,492 |
| Efficiency ratio | 53.0401% | 6,889 |
| Assets per employee ($millions) | 7.8009% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 5,633 |
| Loan loss allowance to noncurrent loans | 89.4890% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 2.3550% | 2,912 |
| Noncurrent loans to loans | 1.3108% | 4,524 |
| Net loans and leases to total assets | 74.4997% | 1,569 |
| Net loans and leases to deposits | 95.3071% | 923 |
| Net loans and leases to core deposits | 113.4329% | 749 |
| Total domestic deposits to total assets | 78.1681% | 6,278 |
| Equity capital to assets | 21.0845% | 202 |
| Core capital (leverage) ratio | 21.1218% | 194 |
| Tier 1 risk-based capital ratio | 26.0552% | 749 |
| Total risk-based capital ratio | 27.1764% | 741 |
| Memoranda: | ||
| Average total assets | $376,973,600 | 1,749 |
| Average earning assets | $356,470,800 | 1,682 |
| Average equity | $76,774,600 | 858 |
| Average total loans | $288,279,000 | 1,554 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7813% | 1,451 |
| Cost of funding earning assets | 1.2834% | 4,339 |
| Net interest margin | 4.4979% | 1,261 |
| Noninterest income to average assets | 0.1526% | 6,764 |
| Noninterest expense to average assets | 2.1970% | 6,610 |
| Loan and lease loss provision to assets | 0.0717% | 6,345 |
| Net operating income to assets | 1.3705% | 1,170 |
| Return on assets (ROA) | 1.4055% | 1,162 |
| Pretax return on assets | 2.1913% | 420 |
| Return on Equity (ROE) | 6.9637% | 3,362 |
| Retained earnings to average equity (ytd only) | 6.9637% | 1,872 |
| Net charge-offs to loans | 0.0768% | 5,752 |
| Credit loss provision to net charge-offs | 121.6867% | 3,381 |
| Earnings coverage of net charge-offs (x) | 37.4815% | 726 |
| Efficiency ratio | 49.8711% | 7,166 |
| Assets per employee ($millions) | 8.0956% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 4,750 |
| Loan loss allowance to noncurrent loans | 79.9218% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 2.1173% | 3,309 |
| Noncurrent loans to loans | 1.6774% | 4,126 |
| Net loans and leases to total assets | 75.1396% | 1,564 |
| Net loans and leases to deposits | 95.8219% | 1,001 |
| Net loans and leases to core deposits | 114.0552% | 829 |
| Total domestic deposits to total assets | 78.4159% | 6,164 |
| Equity capital to assets | 20.6611% | 248 |
| Core capital (leverage) ratio | 20.6841% | 220 |
| Tier 1 risk-based capital ratio | 25.4729% | 824 |
| Total risk-based capital ratio | 26.7232% | 804 |
| Memoranda: | ||
| Average total assets | $375,656,250 | 1,775 |
| Average earning assets | $355,182,000 | 1,705 |
| Average equity | $75,819,750 | 871 |
| Average total loans | $288,311,250 | 1,567 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7397% | 1,595 |
| Cost of funding earning assets | 1.3054% | 4,501 |
| Net interest margin | 4.4342% | 1,362 |
| Noninterest income to average assets | 0.1529% | 6,795 |
| Noninterest expense to average assets | 2.1923% | 6,663 |
| Loan and lease loss provision to assets | 0.1075% | 5,839 |
| Net operating income to assets | 1.3163% | 1,264 |
| Return on assets (ROA) | 1.3731% | 1,212 |
| Pretax return on assets | 2.1302% | 465 |
| Return on Equity (ROE) | 6.8582% | 3,366 |
| Retained earnings to average equity (ytd only) | 6.8582% | 1,898 |
| Net charge-offs to loans | 0.1154% | 5,024 |
| Credit loss provision to net charge-offs | 121.0843% | 3,345 |
| Earnings coverage of net charge-offs (x) | 24.2108% | 1,079 |
| Efficiency ratio | 50.4988% | 7,194 |
| Assets per employee ($millions) | 7.4241% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 4,882 |
| Loan loss allowance to noncurrent loans | 76.6831% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 2.0511% | 3,445 |
| Noncurrent loans to loans | 1.7029% | 4,129 |
| Net loans and leases to total assets | 77.5320% | 1,188 |
| Net loans and leases to deposits | 97.7012% | 903 |
| Net loans and leases to core deposits | 116.9829% | 809 |
| Total domestic deposits to total assets | 79.3563% | 5,927 |
| Equity capital to assets | 19.7120% | 300 |
| Core capital (leverage) ratio | 19.7360% | 259 |
| Tier 1 risk-based capital ratio | 23.8485% | 954 |
| Total risk-based capital ratio | 25.0964% | 937 |
| Memoranda: | ||
| Average total assets | $374,044,000 | 1,795 |
| Average earning assets | $353,295,670 | 1,726 |
| Average equity | $74,888,330 | 875 |
| Average total loans | $287,819,670 | 1,592 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6838% | 1,840 |
| Cost of funding earning assets | 1.3376% | 4,580 |
| Net interest margin | 4.3463% | 1,545 |
| Noninterest income to average assets | 0.2496% | 6,154 |
| Noninterest expense to average assets | 2.2208% | 6,630 |
| Loan and lease loss provision to assets | 0.2163% | 4,345 |
| Net operating income to assets | 1.2006% | 1,539 |
| Return on assets (ROA) | 1.2309% | 1,538 |
| Pretax return on assets | 1.9540% | 661 |
| Return on Equity (ROE) | 6.1001% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.1001% | 2,576 |
| Net charge-offs to loans | -0.0155% | 7,009 |
| Credit loss provision to net charge-offs | -1,827.2727% | 6,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1271% | 7,229 |
| Assets per employee ($millions) | 7.8000% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 4,338 |
| Loan loss allowance to noncurrent loans | 81.9742% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 2.1162% | 3,362 |
| Noncurrent loans to loans | 1.7279% | 4,150 |
| Net loans and leases to total assets | 75.4920% | 1,649 |
| Net loans and leases to deposits | 96.0753% | 1,096 |
| Net loans and leases to core deposits | 114.5181% | 1,016 |
| Total domestic deposits to total assets | 78.5759% | 6,181 |
| Equity capital to assets | 20.2537% | 274 |
| Core capital (leverage) ratio | 20.3055% | 236 |
| Tier 1 risk-based capital ratio | 24.6027% | 907 |
| Total risk-based capital ratio | 25.8535% | 880 |
| Memoranda: | ||
| Average total assets | $371,752,000 | 1,845 |
| Average earning assets | $350,186,500 | 1,783 |
| Average equity | $75,015,000 | 878 |
| Average total loans | $283,008,500 | 1,663 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9601% | 2,015 |
| Cost of funding earning assets | 1.9058% | 3,435 |
| Net interest margin | 4.0543% | 2,632 |
| Noninterest income to average assets | 0.5594% | 3,950 |
| Noninterest expense to average assets | 2.2888% | 6,779 |
| Loan and lease loss provision to assets | 1.0774% | 2,124 |
| Net operating income to assets | 0.6638% | 3,084 |
| Return on assets (ROA) | 0.5812% | 3,476 |
| Pretax return on assets | 0.8131% | 3,197 |
| Return on Equity (ROE) | 2.9373% | 4,528 |
| Retained earnings to average equity (ytd only) | 2.9373% | 3,109 |
| Net charge-offs to loans | 1.6998% | 1,483 |
| Credit loss provision to net charge-offs | 84.5478% | 6,171 |
| Earnings coverage of net charge-offs (x) | 1.5748% | 4,562 |
| Efficiency ratio | 53.2817% | 7,299 |
| Assets per employee ($millions) | 7.5327% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 4,354 |
| Loan loss allowance to noncurrent loans | 137.8582% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 1.7746% | 3,712 |
| Noncurrent loans to loans | 0.9996% | 5,316 |
| Net loans and leases to total assets | 74.6307% | 2,112 |
| Net loans and leases to deposits | 95.5434% | 1,387 |
| Net loans and leases to core deposits | 148.3979% | 551 |
| Total domestic deposits to total assets | 78.1119% | 6,192 |
| Equity capital to assets | 20.1027% | 291 |
| Core capital (leverage) ratio | 20.1574% | 267 |
| Tier 1 risk-based capital ratio | 24.4701% | 905 |
| Total risk-based capital ratio | 25.7205% | 879 |
| Memoranda: | ||
| Average total assets | $357,528,200 | 1,899 |
| Average earning assets | $329,475,200 | 1,885 |
| Average equity | $70,745,800 | 924 |
| Average total loans | $268,036,000 | 1,790 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9959% | 2,056 |
| Cost of funding earning assets | 2.0621% | 3,065 |
| Net interest margin | 3.9338% | 3,104 |
| Noninterest income to average assets | 0.4162% | 5,163 |
| Noninterest expense to average assets | 2.2889% | 6,734 |
| Loan and lease loss provision to assets | 1.3166% | 1,467 |
| Net operating income to assets | 0.4166% | 4,333 |
| Return on assets (ROA) | 0.2620% | 5,037 |
| Pretax return on assets | 0.2617% | 5,164 |
| Return on Equity (ROE) | 1.3298% | 5,396 |
| Retained earnings to average equity (ytd only) | 1.3298% | 4,578 |
| Net charge-offs to loans | 2.1406% | 903 |
| Credit loss provision to net charge-offs | 82.2452% | 5,701 |
| Earnings coverage of net charge-offs (x) | 1.0824% | 4,973 |
| Efficiency ratio | 56.9132% | 6,883 |
| Assets per employee ($millions) | 7.4316% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 3,816 |
| Loan loss allowance to noncurrent loans | 132.4381% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 1.8539% | 3,578 |
| Noncurrent loans to loans | 1.0749% | 5,159 |
| Net loans and leases to total assets | 72.1996% | 2,988 |
| Net loans and leases to deposits | 91.1121% | 2,374 |
| Net loans and leases to core deposits | 143.2626% | 785 |
| Total domestic deposits to total assets | 79.2426% | 5,714 |
| Equity capital to assets | 19.8361% | 355 |
| Core capital (leverage) ratio | 19.5289% | 347 |
| Tier 1 risk-based capital ratio | 24.6146% | 936 |
| Total risk-based capital ratio | 25.8653% | 916 |
| Memoranda: | ||
| Average total assets | $354,634,250 | 1,929 |
| Average earning assets | $325,035,750 | 1,929 |
| Average equity | $69,882,250 | 948 |
| Average total loans | $265,216,500 | 1,820 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9624% | 2,335 |
| Cost of funding earning assets | 2.1540% | 3,023 |
| Net interest margin | 3.8084% | 3,523 |
| Noninterest income to average assets | 0.1946% | 6,899 |
| Noninterest expense to average assets | 2.2882% | 6,785 |
| Loan and lease loss provision to assets | 1.5364% | 1,109 |
| Net operating income to assets | 0.0356% | 5,740 |
| Return on assets (ROA) | -0.1013% | 6,059 |
| Pretax return on assets | -0.3397% | 6,271 |
| Return on Equity (ROE) | -0.5152% | 6,002 |
| Retained earnings to average equity (ytd only) | -0.5152% | 5,352 |
| Net charge-offs to loans | 2.6186% | 642 |
| Credit loss provision to net charge-offs | 77.8996% | 5,253 |
| Earnings coverage of net charge-offs (x) | 0.7152% | 5,004 |
| Efficiency ratio | 61.8615% | 6,266 |
| Assets per employee ($millions) | 7.3321% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 3,763 |
| Loan loss allowance to noncurrent loans | 80.8152% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 2.0461% | 3,136 |
| Noncurrent loans to loans | 1.7236% | 3,921 |
| Net loans and leases to total assets | 73.1257% | 2,931 |
| Net loans and leases to deposits | 91.0376% | 2,645 |
| Net loans and leases to core deposits | 143.3781% | 864 |
| Total domestic deposits to total assets | 80.3247% | 5,345 |
| Equity capital to assets | 18.6835% | 482 |
| Core capital (leverage) ratio | 19.2149% | 404 |
| Tier 1 risk-based capital ratio | 23.4266% | 1,100 |
| Total risk-based capital ratio | 24.6772% | 1,074 |
| Memoranda: | ||
| Average total assets | $351,462,670 | 1,968 |
| Average earning assets | $323,393,670 | 1,963 |
| Average equity | $69,098,670 | 965 |
| Average total loans | $264,718,330 | 1,862 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9591% | 2,531 |
| Cost of funding earning assets | 2.1897% | 3,214 |
| Net interest margin | 3.7694% | 3,589 |
| Noninterest income to average assets | 0.1745% | 7,059 |
| Noninterest expense to average assets | 2.0879% | 7,147 |
| Loan and lease loss provision to assets | 1.0189% | 1,288 |
| Net operating income to assets | 0.4478% | 4,661 |
| Return on assets (ROA) | 0.4478% | 4,833 |
| Pretax return on assets | 0.5758% | 4,826 |
| Return on Equity (ROE) | 2.2190% | 5,694 |
| Retained earnings to average equity (ytd only) | 2.2190% | 4,636 |
| Net charge-offs to loans | 0.0613% | 4,601 |
| Credit loss provision to net charge-offs | 2,190.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 34.2750% | 963 |
| Efficiency ratio | 56.6961% | 6,869 |
| Assets per employee ($millions) | 6.9652% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0589% | 1,310 |
| Loan loss allowance to noncurrent loans | 90.3285% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 3.0586% | 1,848 |
| Noncurrent loans to loans | 2.2793% | 2,886 |
| Net loans and leases to total assets | 75.1117% | 2,477 |
| Net loans and leases to deposits | 94.1129% | 2,255 |
| Net loans and leases to core deposits | 141.9049% | 1,016 |
| Total domestic deposits to total assets | 79.8103% | 5,426 |
| Equity capital to assets | 19.1156% | 476 |
| Core capital (leverage) ratio | 18.6536% | 479 |
| Tier 1 risk-based capital ratio | 23.6024% | 1,125 |
| Total risk-based capital ratio | 24.8613% | 1,102 |
| Memoranda: | ||
| Average total assets | $343,890,500 | 2,020 |
| Average earning assets | $320,047,000 | 1,985 |
| Average equity | $69,400,500 | 969 |
| Average total loans | $261,142,000 | 1,898 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1927% | 4,555 |
| Cost of funding earning assets | 2.5740% | 3,826 |
| Net interest margin | 3.6187% | 4,799 |
| Noninterest income to average assets | 0.1610% | 7,273 |
| Noninterest expense to average assets | 2.0605% | 7,322 |
| Loan and lease loss provision to assets | 0.3008% | 3,969 |
| Net operating income to assets | 0.8435% | 3,252 |
| Return on assets (ROA) | -0.2171% | 6,484 |
| Pretax return on assets | -0.4678% | 6,629 |
| Return on Equity (ROE) | -1.0064% | 6,367 |
| Retained earnings to average equity (ytd only) | -1.0064% | 5,602 |
| Net charge-offs to loans | 0.5879% | 2,066 |
| Credit loss provision to net charge-offs | 70.7547% | 6,062 |
| Earnings coverage of net charge-offs (x) | 3.5054% | 4,335 |
| Efficiency ratio | 58.0315% | 6,690 |
| Assets per employee ($millions) | 6.9297% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7475% | 1,775 |
| Loan loss allowance to noncurrent loans | 85.6149% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 2.9817% | 1,543 |
| Noncurrent loans to loans | 2.0411% | 2,710 |
| Net loans and leases to total assets | 73.8816% | 3,132 |
| Net loans and leases to deposits | 98.2913% | 2,086 |
| Net loans and leases to core deposits | 145.0258% | 1,053 |
| Total domestic deposits to total assets | 75.1660% | 6,417 |
| Equity capital to assets | 21.2304% | 389 |
| Core capital (leverage) ratio | 21.0032% | 374 |
| Tier 1 risk-based capital ratio | 25.9744% | 903 |
| Total risk-based capital ratio | 27.2957% | 878 |
| Memoranda: | ||
| Average total assets | $349,083,200 | 1,906 |
| Average earning assets | $326,999,800 | 1,867 |
| Average equity | $75,316,200 | 881 |
| Average total loans | $252,443,800 | 1,890 |