Home > New OMNI Bank > Performance and Condition Ratios
New OMNI Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1197% | 286 |
| Cost of funding earning assets | 3.0328% | 297 |
| Net interest margin | 4.0869% | 1,128 |
| Noninterest income to average assets | -0.0200% | 4,451 |
| Noninterest expense to average assets | 2.9318% | 1,268 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 0.6445% | 3,246 |
| Return on assets (ROA) | 0.6445% | 3,269 |
| Pretax return on assets | 0.9170% | 2,922 |
| Return on Equity (ROE) | 2.5600% | 3,927 |
| Retained earnings to average equity (ytd only) | 1.9629% | 3,325 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 76.0250% | 1,246 |
| Assets per employee ($millions) | 8.2903% | 1,406 |
| Cash dividends to net income (ytd only)* | 23.3645% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6771% | 686 |
| Loan loss allowance to noncurrent loans | 95.5670% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 1.5962% | 363 |
| Noncurrent loans to loans | 1.7549% | 518 |
| Net loans and leases to total assets | 65.7400% | 2,314 |
| Net loans and leases to deposits | 89.5614% | 1,137 |
| Net loans and leases to core deposits | 118.2389% | 602 |
| Total domestic deposits to total assets | 73.4100% | 4,100 |
| Equity capital to assets | 25.2659% | 195 |
| Core capital (leverage) ratio | 24.9874% | 164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.3176% | 125 |
| Memoranda: | ||
| Average total assets | $531,276,000 | 1,712 |
| Average earning assets | $503,560,000 | 1,677 |
| Average equity | $133,681,500 | 830 |
| Average total loans | $358,973,500 | 1,680 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4591% | 245 |
| Cost of funding earning assets | 3.2298% | 319 |
| Net interest margin | 4.2293% | 897 |
| Noninterest income to average assets | 0.2800% | 3,178 |
| Noninterest expense to average assets | 2.8357% | 1,438 |
| Loan and lease loss provision to assets | 0.1600% | 863 |
| Net operating income to assets | 0.9515% | 2,215 |
| Return on assets (ROA) | 0.9400% | 2,251 |
| Pretax return on assets | 1.3387% | 1,659 |
| Return on Equity (ROE) | 3.7800% | 3,730 |
| Retained earnings to average equity (ytd only) | 0.6280% | 3,767 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 65.2765% | 2,565 |
| Assets per employee ($millions) | 8.7208% | 1,172 |
| Cash dividends to net income (ytd only)* | 83.3998% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 739 |
| Loan loss allowance to noncurrent loans | 118.1024% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 1.3687% | 429 |
| Noncurrent loans to loans | 1.3872% | 714 |
| Net loans and leases to total assets | 67.1500% | 2,244 |
| Net loans and leases to deposits | 91.1842% | 1,120 |
| Net loans and leases to core deposits | 118.8752% | 641 |
| Total domestic deposits to total assets | 73.6400% | 4,072 |
| Equity capital to assets | 25.0591% | 196 |
| Core capital (leverage) ratio | 24.5683% | 163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.1832% | 133 |
| Memoranda: | ||
| Average total assets | $533,208,800 | 1,694 |
| Average earning assets | $512,850,000 | 1,648 |
| Average equity | $132,480,800 | 811 |
| Average total loans | $371,497,600 | 1,621 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3277% | 280 |
| Cost of funding earning assets | 3.2091% | 347 |
| Net interest margin | 4.1186% | 994 |
| Noninterest income to average assets | 0.3700% | 2,610 |
| Noninterest expense to average assets | 2.8065% | 1,450 |
| Loan and lease loss provision to assets | 0.2100% | 556 |
| Net operating income to assets | 0.9353% | 2,264 |
| Return on assets (ROA) | 0.9199% | 2,317 |
| Pretax return on assets | 1.3100% | 1,739 |
| Return on Equity (ROE) | 3.7100% | 3,776 |
| Retained earnings to average equity (ytd only) | -0.3125% | 4,056 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 64.6257% | 2,639 |
| Assets per employee ($millions) | 7.6867% | 1,698 |
| Cash dividends to net income (ytd only)* | 108.4216% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5831% | 868 |
| Loan loss allowance to noncurrent loans | 90.2062% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.2086% | 502 |
| Noncurrent loans to loans | 1.7550% | 488 |
| Net loans and leases to total assets | 67.7800% | 2,111 |
| Net loans and leases to deposits | 90.6168% | 1,182 |
| Net loans and leases to core deposits | 122.3020% | 547 |
| Total domestic deposits to total assets | 74.8000% | 4,014 |
| Equity capital to assets | 24.2111% | 197 |
| Core capital (leverage) ratio | 24.9010% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.2344% | 135 |
| Memoranda: | ||
| Average total assets | $533,518,250 | 1,688 |
| Average earning assets | $515,019,750 | 1,636 |
| Average equity | $132,274,250 | 804 |
| Average total loans | $373,577,750 | 1,608 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3647% | 257 |
| Cost of funding earning assets | 3.1742% | 337 |
| Net interest margin | 4.1906% | 908 |
| Noninterest income to average assets | 0.5000% | 1,865 |
| Noninterest expense to average assets | 2.8117% | 1,436 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2225% | 1,422 |
| Return on assets (ROA) | 1.2013% | 1,467 |
| Pretax return on assets | 1.7101% | 964 |
| Return on Equity (ROE) | 4.8100% | 3,562 |
| Retained earnings to average equity (ytd only) | -0.9235% | 4,047 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 61.8138% | 3,018 |
| Assets per employee ($millions) | 7.4367% | 1,774 |
| Cash dividends to net income (ytd only)* | 119.2138% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 1,244 |
| Loan loss allowance to noncurrent loans | 126.7983% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.8110% | 789 |
| Noncurrent loans to loans | 1.1363% | 800 |
| Net loans and leases to total assets | 70.3400% | 1,864 |
| Net loans and leases to deposits | 96.7559% | 736 |
| Net loans and leases to core deposits | 126.7403% | 474 |
| Total domestic deposits to total assets | 72.7000% | 4,147 |
| Equity capital to assets | 25.9986% | 178 |
| Core capital (leverage) ratio | 25.5115% | 150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.5847% | 122 |
| Memoranda: | ||
| Average total assets | $529,440,000 | 1,694 |
| Average earning assets | $512,008,000 | 1,638 |
| Average equity | $132,321,333 | 799 |
| Average total loans | $372,822,000 | 1,604 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4637% | 228 |
| Cost of funding earning assets | 3.1656% | 316 |
| Net interest margin | 4.2982% | 753 |
| Noninterest income to average assets | 0.0600% | 4,368 |
| Noninterest expense to average assets | 2.6898% | 1,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.0770% | 1,726 |
| Return on assets (ROA) | 1.0729% | 1,741 |
| Pretax return on assets | 1.5274% | 1,211 |
| Return on Equity (ROE) | 4.3800% | 3,596 |
| Retained earnings to average equity (ytd only) | 4.3753% | 2,600 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 63.7032% | 2,856 |
| Assets per employee ($millions) | 8.7769% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 1,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 68.7200% | 1,937 |
| Net loans and leases to deposits | 102.6237% | 383 |
| Net loans and leases to core deposits | 134.8363% | 339 |
| Total domestic deposits to total assets | 66.9600% | 4,357 |
| Equity capital to assets | 24.5174% | 197 |
| Core capital (leverage) ratio | 24.5199% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.9365% | 129 |
| Memoranda: | ||
| Average total assets | $541,311,500 | 1,677 |
| Average earning assets | $523,759,500 | 1,613 |
| Average equity | $132,745,000 | 798 |
| Average total loans | $378,786,000 | 1,577 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1932% | 194 |
| Cost of funding earning assets | 2.6197% | 291 |
| Net interest margin | 4.5736% | 547 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.7338% | 1,655 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 1.4197% | 1,180 |
| Return on assets (ROA) | 1.4197% | 1,154 |
| Pretax return on assets | 2.1030% | 564 |
| Return on Equity (ROE) | 6.0300% | 3,512 |
| Retained earnings to average equity (ytd only) | 3.5142% | 3,118 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.9496% | 3,401 |
| Assets per employee ($millions) | 8.8271% | 1,048 |
| Cash dividends to net income (ytd only)* | 41.7425% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 1,490 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 69.3200% | 1,887 |
| Net loans and leases to deposits | 103.7251% | 375 |
| Net loans and leases to core deposits | 136.3808% | 311 |
| Total domestic deposits to total assets | 66.8300% | 4,362 |
| Equity capital to assets | 24.5284% | 200 |
| Core capital (leverage) ratio | 24.5158% | 170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.7048% | 123 |
| Memoranda: | ||
| Average total assets | $549,749,400 | 1,617 |
| Average earning assets | $532,207,800 | 1,544 |
| Average equity | $129,388,400 | 768 |
| Average total loans | $385,838,000 | 1,513 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1062% | 184 |
| Cost of funding earning assets | 2.4952% | 278 |
| Net interest margin | 4.6110% | 516 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.8002% | 1,436 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 1.4620% | 1,203 |
| Return on assets (ROA) | 1.4620% | 1,184 |
| Pretax return on assets | 2.1883% | 568 |
| Return on Equity (ROE) | 6.2800% | 3,591 |
| Retained earnings to average equity (ytd only) | 2.9014% | 3,532 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.6816% | 3,341 |
| Assets per employee ($millions) | 8.4608% | 1,134 |
| Cash dividends to net income (ytd only)* | 53.7712% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 1,542 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 68.7500% | 1,970 |
| Net loans and leases to deposits | 102.7263% | 401 |
| Net loans and leases to core deposits | 141.8951% | 200 |
| Total domestic deposits to total assets | 66.9300% | 4,389 |
| Equity capital to assets | 24.0327% | 209 |
| Core capital (leverage) ratio | 23.6532% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.0777% | 124 |
| Memoranda: | ||
| Average total assets | $552,573,250 | 1,604 |
| Average earning assets | $534,996,500 | 1,539 |
| Average equity | $128,717,000 | 768 |
| Average total loans | $387,688,500 | 1,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9770% | 178 |
| Cost of funding earning assets | 2.3758% | 236 |
| Net interest margin | 4.6012% | 528 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 2.8407% | 1,343 |
| Loan and lease loss provision to assets | -0.0400% | 4,482 |
| Net operating income to assets | 1.4684% | 1,172 |
| Return on assets (ROA) | 1.4684% | 1,158 |
| Pretax return on assets | 2.3162% | 454 |
| Return on Equity (ROE) | 6.3700% | 3,606 |
| Retained earnings to average equity (ytd only) | 1.2882% | 3,860 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.4729% | 3,479 |
| Assets per employee ($millions) | 8.3269% | 1,173 |
| Cash dividends to net income (ytd only)* | 79.7747% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 1,600 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 65.8600% | 2,171 |
| Net loans and leases to deposits | 92.6756% | 970 |
| Net loans and leases to core deposits | 117.6788% | 583 |
| Total domestic deposits to total assets | 71.0600% | 4,327 |
| Equity capital to assets | 22.3015% | 222 |
| Core capital (leverage) ratio | 22.6134% | 193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.6925% | 130 |
| Memoranda: | ||
| Average total assets | $556,267,333 | 1,590 |
| Average earning assets | $538,601,000 | 1,534 |
| Average equity | $128,244,333 | 762 |
| Average total loans | $391,092,667 | 1,477 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7902% | 137 |
| Cost of funding earning assets | 2.2163% | 188 |
| Net interest margin | 4.5739% | 525 |
| Noninterest income to average assets | 1.3100% | 387 |
| Noninterest expense to average assets | 3.0311% | 1,011 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5996% | 979 |
| Return on assets (ROA) | 1.5996% | 975 |
| Pretax return on assets | 2.7036% | 284 |
| Return on Equity (ROE) | 6.8200% | 3,560 |
| Retained earnings to average equity (ytd only) | 6.8216% | 2,543 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.8557% | 3,716 |
| Assets per employee ($millions) | 7.8878% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 1,750 |
| Loan loss allowance to noncurrent loans | 267.8571% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 1,391 |
| Noncurrent loans to loans | 0.5103% | 1,445 |
| Net loans and leases to total assets | 71.6000% | 1,459 |
| Net loans and leases to deposits | 95.2933% | 698 |
| Net loans and leases to core deposits | 120.0902% | 431 |
| Total domestic deposits to total assets | 75.1300% | 4,210 |
| Equity capital to assets | 23.7835% | 170 |
| Core capital (leverage) ratio | 23.7211% | 182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.6451% | 131 |
| Memoranda: | ||
| Average total assets | $547,122,000 | 1,634 |
| Average earning assets | $529,171,000 | 1,571 |
| Average equity | $128,299,000 | 770 |
| Average total loans | $394,794,500 | 1,486 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0365% | 286 |
| Cost of funding earning assets | 0.8578% | 311 |
| Net interest margin | 4.1787% | 566 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.5094% | 2,084 |
| Loan and lease loss provision to assets | -0.1200% | 4,559 |
| Net operating income to assets | 1.6938% | 544 |
| Return on assets (ROA) | 1.5659% | 713 |
| Pretax return on assets | 2.2345% | 296 |
| Return on Equity (ROE) | 8.1800% | 3,339 |
| Retained earnings to average equity (ytd only) | 5.1503% | 2,983 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.4166% | 3,945 |
| Assets per employee ($millions) | 8.0881% | 1,275 |
| Cash dividends to net income (ytd only)* | 37.0379% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 1,608 |
| Loan loss allowance to noncurrent loans | 141.9558% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.6917% | 698 |
| Noncurrent loans to loans | 0.9642% | 770 |
| Net loans and leases to total assets | 70.7500% | 1,553 |
| Net loans and leases to deposits | 96.8471% | 592 |
| Net loans and leases to core deposits | 121.2412% | 349 |
| Total domestic deposits to total assets | 73.0500% | 4,388 |
| Equity capital to assets | 23.1196% | 172 |
| Core capital (leverage) ratio | 23.5460% | 179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.8157% | 145 |
| Memoranda: | ||
| Average total assets | $557,940,800 | 1,590 |
| Average earning assets | $538,568,800 | 1,526 |
| Average equity | $106,809,200 | 905 |
| Average total loans | $423,164,000 | 1,332 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6695% | 370 |
| Cost of funding earning assets | 0.6570% | 319 |
| Net interest margin | 4.0125% | 627 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.5203% | 1,955 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | 1.3949% | 1,107 |
| Return on assets (ROA) | 1.3949% | 1,078 |
| Pretax return on assets | 1.9804% | 483 |
| Return on Equity (ROE) | 7.6800% | 3,412 |
| Retained earnings to average equity (ytd only) | 3.4367% | 3,653 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.0843% | 3,502 |
| Assets per employee ($millions) | 8.5557% | 1,042 |
| Cash dividends to net income (ytd only)* | 55.2407% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 1,751 |
| Loan loss allowance to noncurrent loans | 266.9789% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 1,411 |
| Noncurrent loans to loans | 0.5103% | 1,523 |
| Net loans and leases to total assets | 74.2000% | 1,078 |
| Net loans and leases to deposits | 103.5406% | 247 |
| Net loans and leases to core deposits | 119.3848% | 267 |
| Total domestic deposits to total assets | 71.6700% | 4,512 |
| Equity capital to assets | 22.1987% | 175 |
| Core capital (leverage) ratio | 21.6419% | 204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.4677% | 169 |
| Memoranda: | ||
| Average total assets | $559,928,750 | 1,595 |
| Average earning assets | $540,232,500 | 1,532 |
| Average equity | $101,722,750 | 951 |
| Average total loans | $430,323,750 | 1,303 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 465 |
| Cost of funding earning assets | 0.4933% | 534 |
| Net interest margin | 3.8734% | 648 |
| Noninterest income to average assets | 0.7819% | 1,093 |
| Noninterest expense to average assets | 2.4890% | 1,965 |
| Loan and lease loss provision to assets | -0.1426% | 4,641 |
| Net operating income to assets | 1.5292% | 655 |
| Return on assets (ROA) | 1.5292% | 636 |
| Pretax return on assets | 2.1711% | 263 |
| Return on Equity (ROE) | 9.0834% | 2,672 |
| Retained earnings to average equity (ytd only) | 2.2333% | 3,683 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0962% | 3,864 |
| Assets per employee ($millions) | 8.6291% | 1,013 |
| Cash dividends to net income (ytd only)* | 75.4137% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 2,032 |
| Loan loss allowance to noncurrent loans | 259.2762% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 1,503 |
| Noncurrent loans to loans | 0.5142% | 1,594 |
| Net loans and leases to total assets | 71.3817% | 1,171 |
| Net loans and leases to deposits | 103.0589% | 185 |
| Net loans and leases to core deposits | 118.3786% | 215 |
| Total domestic deposits to total assets | 69.2630% | 4,626 |
| Equity capital to assets | 20.7836% | 153 |
| Core capital (leverage) ratio | 21.4928% | 151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6763% | 156 |
| Memoranda: | ||
| Average total assets | $561,197,333 | 1,596 |
| Average earning assets | $541,236,000 | 1,549 |
| Average equity | $94,479,667 | 1,002 |
| Average total loans | $434,311,000 | 1,292 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2957% | 439 |
| Cost of funding earning assets | 0.3767% | 1,015 |
| Net interest margin | 3.9189% | 481 |
| Noninterest income to average assets | 0.5310% | 1,990 |
| Noninterest expense to average assets | 2.4500% | 2,017 |
| Loan and lease loss provision to assets | -0.2918% | 4,725 |
| Net operating income to assets | 1.5259% | 597 |
| Return on assets (ROA) | 1.5259% | 590 |
| Pretax return on assets | 2.1663% | 269 |
| Return on Equity (ROE) | 10.3638% | 1,836 |
| Retained earnings to average equity (ytd only) | -5.6674% | 4,444 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6537% | 3,823 |
| Assets per employee ($millions) | 7.6828% | 1,563 |
| Cash dividends to net income (ytd only)* | 154.6845% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 2,303 |
| Loan loss allowance to noncurrent loans | 244.8097% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 1,415 |
| Noncurrent loans to loans | 0.5354% | 1,694 |
| Net loans and leases to total assets | 79.2494% | 277 |
| Net loans and leases to deposits | 100.6696% | 161 |
| Net loans and leases to core deposits | 116.0488% | 175 |
| Total domestic deposits to total assets | 78.7223% | 4,363 |
| Equity capital to assets | 14.8984% | 407 |
| Core capital (leverage) ratio | 14.2762% | 544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8923% | 441 |
| Memoranda: | ||
| Average total assets | $548,406,500 | 1,638 |
| Average earning assets | $530,860,000 | 1,585 |
| Average equity | $80,742,500 | 1,188 |
| Average total loans | $439,210,000 | 1,271 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 538 |
| Cost of funding earning assets | 0.4619% | 1,114 |
| Net interest margin | 4.1035% | 591 |
| Noninterest income to average assets | 0.5240% | 2,470 |
| Noninterest expense to average assets | 2.2696% | 2,882 |
| Loan and lease loss provision to assets | 0.0587% | 1,884 |
| Net operating income to assets | 1.5401% | 937 |
| Return on assets (ROA) | 1.5221% | 1,007 |
| Pretax return on assets | 2.1719% | 437 |
| Return on Equity (ROE) | 10.9965% | 2,167 |
| Retained earnings to average equity (ytd only) | 7.2535% | 1,825 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1789% | 4,271 |
| Assets per employee ($millions) | 8.7346% | 1,001 |
| Cash dividends to net income (ytd only)* | 34.0383% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 2,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 78.7990% | 332 |
| Net loans and leases to deposits | 101.7930% | 168 |
| Net loans and leases to core deposits | 117.7865% | 182 |
| Total domestic deposits to total assets | 77.4110% | 4,443 |
| Equity capital to assets | 14.5545% | 566 |
| Core capital (leverage) ratio | 14.5262% | 529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3643% | 473 |
| Memoranda: | ||
| Average total assets | $562,260,800 | 1,533 |
| Average earning assets | $547,942,800 | 1,475 |
| Average equity | $77,824,600 | 1,235 |
| Average total loans | $451,088,600 | 1,262 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5834% | 588 |
| Cost of funding earning assets | 0.4857% | 1,129 |
| Net interest margin | 4.0977% | 660 |
| Noninterest income to average assets | 0.3962% | 3,111 |
| Noninterest expense to average assets | 2.2483% | 2,900 |
| Loan and lease loss provision to assets | 0.0781% | 1,505 |
| Net operating income to assets | 1.4584% | 1,366 |
| Return on assets (ROA) | 1.4345% | 1,500 |
| Pretax return on assets | 2.0366% | 751 |
| Return on Equity (ROE) | 10.4979% | 2,557 |
| Retained earnings to average equity (ytd only) | 5.4500% | 3,055 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1749% | 4,109 |
| Assets per employee ($millions) | 7.9985% | 1,269 |
| Cash dividends to net income (ytd only)* | 48.0852% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 2,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 83.6503% | 124 |
| Net loans and leases to deposits | 108.7971% | 104 |
| Net loans and leases to core deposits | 127.8621% | 131 |
| Total domestic deposits to total assets | 76.8865% | 4,497 |
| Equity capital to assets | 14.7108% | 595 |
| Core capital (leverage) ratio | 14.0933% | 615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1099% | 529 |
| Memoranda: | ||
| Average total assets | $563,072,000 | 1,546 |
| Average earning assets | $549,268,000 | 1,495 |
| Average equity | $76,940,250 | 1,264 |
| Average total loans | $452,221,000 | 1,280 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5298% | 695 |
| Cost of funding earning assets | 0.5061% | 1,160 |
| Net interest margin | 4.0237% | 788 |
| Noninterest income to average assets | 0.4632% | 2,790 |
| Noninterest expense to average assets | 2.2152% | 3,034 |
| Loan and lease loss provision to assets | 0.1853% | 616 |
| Net operating income to assets | 1.4071% | 1,547 |
| Return on assets (ROA) | 1.3717% | 1,724 |
| Pretax return on assets | 1.9475% | 926 |
| Return on Equity (ROE) | 10.2845% | 2,655 |
| Retained earnings to average equity (ytd only) | 2.6498% | 3,954 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4297% | 4,200 |
| Assets per employee ($millions) | 8.2470% | 1,104 |
| Cash dividends to net income (ytd only)* | 74.2355% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 2,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 79.8576% | 329 |
| Net loans and leases to deposits | 101.1268% | 227 |
| Net loans and leases to core deposits | 118.2647% | 238 |
| Total domestic deposits to total assets | 78.9678% | 4,348 |
| Equity capital to assets | 13.2810% | 870 |
| Core capital (leverage) ratio | 13.1575% | 763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9260% | 622 |
| Memoranda: | ||
| Average total assets | $572,129,333 | 1,520 |
| Average earning assets | $558,742,667 | 1,464 |
| Average equity | $76,308,667 | 1,266 |
| Average total loans | $451,514,000 | 1,285 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4417% | 856 |
| Cost of funding earning assets | 0.5517% | 1,090 |
| Net interest margin | 3.8900% | 1,005 |
| Noninterest income to average assets | 0.4186% | 2,994 |
| Noninterest expense to average assets | 2.1406% | 3,299 |
| Loan and lease loss provision to assets | 0.1124% | 1,232 |
| Net operating income to assets | 1.3942% | 1,588 |
| Return on assets (ROA) | 1.3232% | 1,835 |
| Pretax return on assets | 1.8787% | 1,147 |
| Return on Equity (ROE) | 9.8991% | 2,727 |
| Retained earnings to average equity (ytd only) | 9.8991% | 1,676 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7070% | 4,124 |
| Assets per employee ($millions) | 8.3577% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 2,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 78.0170% | 468 |
| Net loans and leases to deposits | 100.5828% | 274 |
| Net loans and leases to core deposits | 119.4192% | 248 |
| Total domestic deposits to total assets | 77.5650% | 4,470 |
| Equity capital to assets | 13.6407% | 756 |
| Core capital (leverage) ratio | 13.3865% | 760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6957% | 538 |
| Memoranda: | ||
| Average total assets | $569,548,500 | 1,515 |
| Average earning assets | $556,819,000 | 1,454 |
| Average equity | $76,128,000 | 1,260 |
| Average total loans | $443,635,500 | 1,297 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8195% | 711 |
| Cost of funding earning assets | 0.9933% | 608 |
| Net interest margin | 3.8263% | 1,433 |
| Noninterest income to average assets | 0.2434% | 4,029 |
| Noninterest expense to average assets | 2.2855% | 3,447 |
| Loan and lease loss provision to assets | 0.2015% | 1,947 |
| Net operating income to assets | 1.0244% | 2,200 |
| Return on assets (ROA) | 1.0859% | 2,097 |
| Pretax return on assets | 1.5692% | 1,136 |
| Return on Equity (ROE) | 7.5786% | 2,969 |
| Retained earnings to average equity (ytd only) | 4.6738% | 2,434 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4467% | 3,799 |
| Assets per employee ($millions) | 8.7812% | 803 |
| Cash dividends to net income (ytd only)* | 38.3291% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 2,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 75.7326% | 817 |
| Net loans and leases to deposits | 96.8626% | 508 |
| Net loans and leases to core deposits | 116.9843% | 353 |
| Total domestic deposits to total assets | 78.1856% | 4,298 |
| Equity capital to assets | 13.0933% | 1,057 |
| Core capital (leverage) ratio | 13.6048% | 760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7578% | 605 |
| Memoranda: | ||
| Average total assets | $508,171,200 | 1,528 |
| Average earning assets | $496,044,200 | 1,464 |
| Average equity | $72,810,600 | 1,255 |
| Average total loans | $394,171,600 | 1,379 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9116% | 716 |
| Cost of funding earning assets | 1.1263% | 483 |
| Net interest margin | 3.7853% | 1,662 |
| Noninterest income to average assets | 0.3108% | 3,628 |
| Noninterest expense to average assets | 2.3928% | 3,155 |
| Loan and lease loss provision to assets | 0.1959% | 2,019 |
| Net operating income to assets | 0.9926% | 2,369 |
| Return on assets (ROA) | 1.0655% | 2,223 |
| Pretax return on assets | 1.5070% | 1,433 |
| Return on Equity (ROE) | 7.2555% | 3,108 |
| Retained earnings to average equity (ytd only) | 7.2555% | 1,601 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7674% | 3,420 |
| Assets per employee ($millions) | 8.1827% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 2,096 |
| Loan loss allowance to noncurrent loans | 1,670.7692% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 4,128 |
| Noncurrent loans to loans | 0.0788% | 4,056 |
| Net loans and leases to total assets | 77.7469% | 865 |
| Net loans and leases to deposits | 103.1443% | 411 |
| Net loans and leases to core deposits | 130.1867% | 250 |
| Total domestic deposits to total assets | 75.3768% | 4,477 |
| Equity capital to assets | 14.2368% | 800 |
| Core capital (leverage) ratio | 14.5611% | 617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4571% | 488 |
| Memoranda: | ||
| Average total assets | $492,520,250 | 1,555 |
| Average earning assets | $480,478,750 | 1,480 |
| Average equity | $72,330,000 | 1,242 |
| Average total loans | $383,216,250 | 1,407 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0379% | 775 |
| Cost of funding earning assets | 1.3205% | 331 |
| Net interest margin | 3.7174% | 2,104 |
| Noninterest income to average assets | 0.2298% | 4,112 |
| Noninterest expense to average assets | 2.5022% | 2,953 |
| Loan and lease loss provision to assets | 0.1634% | 2,366 |
| Net operating income to assets | 0.8323% | 2,929 |
| Return on assets (ROA) | 0.9358% | 2,686 |
| Pretax return on assets | 1.3200% | 1,966 |
| Return on Equity (ROE) | 6.3028% | 3,398 |
| Retained earnings to average equity (ytd only) | 6.3028% | 1,935 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9161% | 2,671 |
| Assets per employee ($millions) | 7.0138% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 1,884 |
| Loan loss allowance to noncurrent loans | 631.1881% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 3,713 |
| Noncurrent loans to loans | 0.2102% | 3,631 |
| Net loans and leases to total assets | 76.1637% | 1,111 |
| Net loans and leases to deposits | 102.6952% | 428 |
| Net loans and leases to core deposits | 145.3581% | 130 |
| Total domestic deposits to total assets | 74.1648% | 4,585 |
| Equity capital to assets | 14.6195% | 706 |
| Core capital (leverage) ratio | 14.7013% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0723% | 403 |
| Memoranda: | ||
| Average total assets | $482,129,333 | 1,552 |
| Average earning assets | $470,112,667 | 1,482 |
| Average equity | $71,587,667 | 1,240 |
| Average total loans | $373,426,667 | 1,420 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2806% | 571 |
| Cost of funding earning assets | 1.4872% | 289 |
| Net interest margin | 3.7934% | 2,007 |
| Noninterest income to average assets | 0.0675% | 4,928 |
| Noninterest expense to average assets | 2.5626% | 3,094 |
| Loan and lease loss provision to assets | 0.0860% | 2,614 |
| Net operating income to assets | 0.7824% | 2,966 |
| Return on assets (ROA) | 0.9270% | 2,539 |
| Pretax return on assets | 1.2982% | 1,876 |
| Return on Equity (ROE) | 6.1933% | 3,239 |
| Retained earnings to average equity (ytd only) | 6.1933% | 1,801 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0861% | 2,651 |
| Assets per employee ($millions) | 6.6871% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 2,163 |
| Loan loss allowance to noncurrent loans | 586.9353% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 3,823 |
| Noncurrent loans to loans | 0.2212% | 3,691 |
| Net loans and leases to total assets | 74.8543% | 1,475 |
| Net loans and leases to deposits | 98.1282% | 698 |
| Net loans and leases to core deposits | 144.1332% | 142 |
| Total domestic deposits to total assets | 76.2821% | 4,448 |
| Equity capital to assets | 14.7205% | 829 |
| Core capital (leverage) ratio | 15.0789% | 673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9326% | 445 |
| Memoranda: | ||
| Average total assets | $474,204,000 | 1,524 |
| Average earning assets | $462,071,000 | 1,458 |
| Average equity | $70,980,500 | 1,247 |
| Average total loans | $367,950,000 | 1,391 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7472% | 363 |
| Cost of funding earning assets | 1.7141% | 188 |
| Net interest margin | 4.0331% | 1,736 |
| Noninterest income to average assets | 0.0896% | 4,953 |
| Noninterest expense to average assets | 2.4920% | 3,473 |
| Loan and lease loss provision to assets | 0.0043% | 3,913 |
| Net operating income to assets | 1.0666% | 2,591 |
| Return on assets (ROA) | 1.0696% | 2,678 |
| Pretax return on assets | 1.5187% | 1,747 |
| Return on Equity (ROE) | 7.2682% | 3,456 |
| Retained earnings to average equity (ytd only) | 4.2068% | 2,852 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1278% | 3,358 |
| Assets per employee ($millions) | 6.3924% | 1,361 |
| Cash dividends to net income (ytd only)* | 42.1202% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 1,985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 78.4312% | 1,006 |
| Net loans and leases to deposits | 95.8748% | 953 |
| Net loans and leases to core deposits | 144.3189% | 150 |
| Total domestic deposits to total assets | 81.8059% | 3,559 |
| Equity capital to assets | 15.2312% | 741 |
| Core capital (leverage) ratio | 14.4571% | 812 |
| Tier 1 risk-based capital ratio | 22.8461% | 925 |
| Total risk-based capital ratio | 24.0995% | 907 |
| Memoranda: | ||
| Average total assets | $462,117,000 | 1,514 |
| Average earning assets | $449,335,400 | 1,458 |
| Average equity | $68,008,600 | 1,243 |
| Average total loans | $353,463,600 | 1,407 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7200% | 406 |
| Cost of funding earning assets | 1.6970% | 203 |
| Net interest margin | 4.0230% | 1,858 |
| Noninterest income to average assets | 0.0810% | 5,045 |
| Noninterest expense to average assets | 2.5430% | 3,319 |
| Loan and lease loss provision to assets | 0.0058% | 3,762 |
| Net operating income to assets | 1.0160% | 2,922 |
| Return on assets (ROA) | 1.0160% | 2,999 |
| Pretax return on assets | 1.4426% | 2,143 |
| Return on Equity (ROE) | 6.9643% | 3,692 |
| Retained earnings to average equity (ytd only) | 2.8509% | 3,951 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7132% | 3,058 |
| Assets per employee ($millions) | 6.7048% | 1,158 |
| Cash dividends to net income (ytd only)* | 59.0638% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 1,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 72.0988% | 2,162 |
| Net loans and leases to deposits | 93.9924% | 1,215 |
| Net loans and leases to core deposits | 141.1163% | 173 |
| Total domestic deposits to total assets | 76.7071% | 4,555 |
| Equity capital to assets | 14.2753% | 1,049 |
| Core capital (leverage) ratio | 14.5171% | 852 |
| Tier 1 risk-based capital ratio | 23.2852% | 917 |
| Total risk-based capital ratio | 24.5397% | 895 |
| Memoranda: | ||
| Average total assets | $462,583,000 | 1,523 |
| Average earning assets | $449,638,500 | 1,466 |
| Average equity | $67,485,250 | 1,249 |
| Average total loans | $350,407,500 | 1,432 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7386% | 369 |
| Cost of funding earning assets | 1.6631% | 219 |
| Net interest margin | 4.0755% | 1,686 |
| Noninterest income to average assets | 0.1013% | 5,032 |
| Noninterest expense to average assets | 2.6175% | 3,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0161% | 2,858 |
| Return on assets (ROA) | 1.0161% | 2,940 |
| Pretax return on assets | 1.4425% | 2,054 |
| Return on Equity (ROE) | 6.9125% | 3,709 |
| Retained earnings to average equity (ytd only) | 0.6984% | 4,512 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4694% | 3,060 |
| Assets per employee ($millions) | 6.2475% | 1,369 |
| Cash dividends to net income (ytd only)* | 89.8964% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 1,809 |
| Loan loss allowance to noncurrent loans | 937.2000% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 4,217 |
| Noncurrent loans to loans | 0.1441% | 4,039 |
| Net loans and leases to total assets | 74.0210% | 1,887 |
| Net loans and leases to deposits | 97.2699% | 914 |
| Net loans and leases to core deposits | 148.3900% | 141 |
| Total domestic deposits to total assets | 76.0986% | 4,653 |
| Equity capital to assets | 14.6047% | 919 |
| Core capital (leverage) ratio | 14.8081% | 749 |
| Tier 1 risk-based capital ratio | 24.1767% | 828 |
| Total risk-based capital ratio | 25.4325% | 812 |
| Memoranda: | ||
| Average total assets | $455,863,000 | 1,546 |
| Average earning assets | $442,790,670 | 1,486 |
| Average equity | $67,009,330 | 1,258 |
| Average total loans | $349,624,000 | 1,442 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7738% | 330 |
| Cost of funding earning assets | 1.5876% | 240 |
| Net interest margin | 4.1862% | 1,328 |
| Noninterest income to average assets | 0.1670% | 4,739 |
| Noninterest expense to average assets | 2.6936% | 2,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0808% | 2,542 |
| Return on assets (ROA) | 1.0808% | 2,584 |
| Pretax return on assets | 1.5350% | 1,664 |
| Return on Equity (ROE) | 7.3284% | 3,536 |
| Retained earnings to average equity (ytd only) | -5.1473% | 4,932 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6991% | 3,287 |
| Assets per employee ($millions) | 5.9428% | 1,592 |
| Cash dividends to net income (ytd only)* | 170.2371% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 1,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 76.0390% | 1,475 |
| Net loans and leases to deposits | 97.8061% | 800 |
| Net loans and leases to core deposits | 149.4575% | 128 |
| Total domestic deposits to total assets | 77.7446% | 4,557 |
| Equity capital to assets | 14.4983% | 878 |
| Core capital (leverage) ratio | 14.7335% | 759 |
| Tier 1 risk-based capital ratio | 23.8926% | 851 |
| Total risk-based capital ratio | 25.1481% | 830 |
| Memoranda: | ||
| Average total assets | $452,636,500 | 1,568 |
| Average earning assets | $439,153,500 | 1,509 |
| Average equity | $66,754,000 | 1,249 |
| Average total loans | $350,987,500 | 1,432 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5544% | 356 |
| Cost of funding earning assets | 1.2818% | 239 |
| Net interest margin | 4.2725% | 1,217 |
| Noninterest income to average assets | 0.0535% | 5,265 |
| Noninterest expense to average assets | 2.6984% | 3,028 |
| Loan and lease loss provision to assets | 0.0854% | 2,431 |
| Net operating income to assets | 1.0051% | 2,986 |
| Return on assets (ROA) | 1.0051% | 2,973 |
| Pretax return on assets | 1.4280% | 2,047 |
| Return on Equity (ROE) | 7.5325% | 3,647 |
| Retained earnings to average equity (ytd only) | 5.9415% | 2,225 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0689% | 3,182 |
| Assets per employee ($millions) | 5.6668% | 1,808 |
| Cash dividends to net income (ytd only)* | 21.1220% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 1,866 |
| Loan loss allowance to noncurrent loans | 1,531.3725% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 4,491 |
| Noncurrent loans to loans | 0.0876% | 4,357 |
| Net loans and leases to total assets | 76.9867% | 1,444 |
| Net loans and leases to deposits | 99.2315% | 801 |
| Net loans and leases to core deposits | 159.0071% | 94 |
| Total domestic deposits to total assets | 77.5829% | 4,550 |
| Equity capital to assets | 15.0028% | 709 |
| Core capital (leverage) ratio | 15.2053% | 645 |
| Tier 1 risk-based capital ratio | 23.7321% | 843 |
| Total risk-based capital ratio | 24.9872% | 828 |
| Memoranda: | ||
| Average total assets | $445,111,200 | 1,550 |
| Average earning assets | $433,210,000 | 1,492 |
| Average equity | $59,396,000 | 1,335 |
| Average total loans | $359,492,800 | 1,369 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4989% | 360 |
| Cost of funding earning assets | 1.2097% | 240 |
| Net interest margin | 4.2892% | 1,134 |
| Noninterest income to average assets | 0.0357% | 5,375 |
| Noninterest expense to average assets | 2.6440% | 3,142 |
| Loan and lease loss provision to assets | 0.1140% | 1,779 |
| Net operating income to assets | 1.0253% | 2,986 |
| Return on assets (ROA) | 1.0253% | 2,997 |
| Pretax return on assets | 1.4567% | 2,037 |
| Return on Equity (ROE) | 7.9319% | 3,579 |
| Retained earnings to average equity (ytd only) | 5.7389% | 2,798 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7331% | 3,387 |
| Assets per employee ($millions) | 5.9596% | 1,517 |
| Cash dividends to net income (ytd only)* | 27.6478% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 2,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 76.3960% | 1,604 |
| Net loans and leases to deposits | 98.1917% | 936 |
| Net loans and leases to core deposits | 150.1205% | 133 |
| Total domestic deposits to total assets | 77.8029% | 4,508 |
| Equity capital to assets | 14.3835% | 858 |
| Core capital (leverage) ratio | 14.5601% | 807 |
| Tier 1 risk-based capital ratio | 22.4240% | 1,000 |
| Total risk-based capital ratio | 23.6783% | 976 |
| Memoranda: | ||
| Average total assets | $444,470,000 | 1,562 |
| Average earning assets | $433,044,250 | 1,503 |
| Average equity | $57,454,000 | 1,369 |
| Average total loans | $362,031,750 | 1,354 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5240% | 308 |
| Cost of funding earning assets | 1.1077% | 281 |
| Net interest margin | 4.4163% | 822 |
| Noninterest income to average assets | 0.0382% | 5,426 |
| Noninterest expense to average assets | 2.6684% | 3,111 |
| Loan and lease loss provision to assets | 0.1729% | 1,063 |
| Net operating income to assets | 1.0558% | 2,780 |
| Return on assets (ROA) | 1.0558% | 2,773 |
| Pretax return on assets | 1.5007% | 1,811 |
| Return on Equity (ROE) | 8.5012% | 3,264 |
| Retained earnings to average equity (ytd only) | 5.0399% | 3,057 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4563% | 3,700 |
| Assets per employee ($millions) | 5.8887% | 1,556 |
| Cash dividends to net income (ytd only)* | 40.7152% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 2,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 79.5789% | 1,085 |
| Net loans and leases to deposits | 101.2867% | 711 |
| Net loans and leases to core deposits | 152.7984% | 106 |
| Total domestic deposits to total assets | 78.5679% | 4,498 |
| Equity capital to assets | 13.4571% | 1,118 |
| Core capital (leverage) ratio | 13.7663% | 971 |
| Tier 1 risk-based capital ratio | 21.9736% | 1,036 |
| Total risk-based capital ratio | 23.2293% | 1,020 |
| Memoranda: | ||
| Average total assets | $439,664,000 | 1,585 |
| Average earning assets | $428,459,000 | 1,520 |
| Average equity | $54,604,000 | 1,430 |
| Average total loans | $364,289,670 | 1,352 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5316% | 264 |
| Cost of funding earning assets | 0.9948% | 374 |
| Net interest margin | 4.5368% | 572 |
| Noninterest income to average assets | 0.0434% | 5,487 |
| Noninterest expense to average assets | 2.7801% | 2,766 |
| Loan and lease loss provision to assets | 0.2588% | 559 |
| Net operating income to assets | 1.0028% | 2,847 |
| Return on assets (ROA) | 1.0028% | 2,865 |
| Pretax return on assets | 1.4261% | 1,913 |
| Return on Equity (ROE) | 8.4441% | 3,169 |
| Retained earnings to average equity (ytd only) | 8.4441% | 1,675 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2645% | 3,740 |
| Assets per employee ($millions) | 5.8309% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 2,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 84.5435% | 383 |
| Net loans and leases to deposits | 111.6696% | 216 |
| Net loans and leases to core deposits | 166.5583% | 69 |
| Total domestic deposits to total assets | 75.7087% | 4,995 |
| Equity capital to assets | 12.0457% | 1,755 |
| Core capital (leverage) ratio | 11.9939% | 1,656 |
| Tier 1 risk-based capital ratio | 18.2781% | 1,751 |
| Total risk-based capital ratio | 19.5328% | 1,715 |
| Memoranda: | ||
| Average total assets | $432,782,500 | 1,614 |
| Average earning assets | $421,796,000 | 1,548 |
| Average equity | $51,397,000 | 1,493 |
| Average total loans | $363,675,500 | 1,359 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0513% | 586 |
| Cost of funding earning assets | 0.8743% | 428 |
| Net interest margin | 4.1770% | 1,236 |
| Noninterest income to average assets | 0.0592% | 5,512 |
| Noninterest expense to average assets | 2.5026% | 3,775 |
| Loan and lease loss provision to assets | 0.1140% | 1,992 |
| Net operating income to assets | 0.8836% | 2,799 |
| Return on assets (ROA) | 0.8836% | 2,821 |
| Pretax return on assets | 1.5043% | 1,630 |
| Return on Equity (ROE) | 7.7612% | 2,911 |
| Retained earnings to average equity (ytd only) | 7.7612% | 842 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7289% | 4,154 |
| Assets per employee ($millions) | 5.0551% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 81.3514% | 767 |
| Net loans and leases to deposits | 107.3699% | 343 |
| Net loans and leases to core deposits | 161.0099% | 85 |
| Total domestic deposits to total assets | 75.7674% | 5,003 |
| Equity capital to assets | 11.8411% | 1,950 |
| Core capital (leverage) ratio | 11.8990% | 1,664 |
| Tier 1 risk-based capital ratio | 17.7501% | 1,872 |
| Total risk-based capital ratio | 19.0031% | 1,822 |
| Memoranda: | ||
| Average total assets | $434,151,600 | 1,592 |
| Average earning assets | $422,168,600 | 1,525 |
| Average equity | $49,425,400 | 1,532 |
| Average total loans | $342,871,000 | 1,396 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9607% | 665 |
| Cost of funding earning assets | 0.8592% | 432 |
| Net interest margin | 4.1015% | 1,382 |
| Noninterest income to average assets | 0.0614% | 5,577 |
| Noninterest expense to average assets | 2.4294% | 3,937 |
| Loan and lease loss provision to assets | 0.0891% | 2,295 |
| Net operating income to assets | 0.9007% | 3,021 |
| Return on assets (ROA) | 0.9007% | 3,078 |
| Pretax return on assets | 1.5333% | 1,654 |
| Return on Equity (ROE) | 7.9924% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.9924% | 1,225 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9591% | 4,226 |
| Assets per employee ($millions) | 5.6677% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 3,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 78.1474% | 1,241 |
| Net loans and leases to deposits | 99.2710% | 798 |
| Net loans and leases to core deposits | 141.1383% | 190 |
| Total domestic deposits to total assets | 78.7213% | 4,588 |
| Equity capital to assets | 11.4276% | 2,439 |
| Core capital (leverage) ratio | 11.3985% | 2,099 |
| Tier 1 risk-based capital ratio | 17.7862% | 1,913 |
| Total risk-based capital ratio | 19.0389% | 1,862 |
| Memoranda: | ||
| Average total assets | $434,004,250 | 1,604 |
| Average earning assets | $422,239,000 | 1,539 |
| Average equity | $48,912,250 | 1,558 |
| Average total loans | $339,095,250 | 1,422 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8788% | 734 |
| Cost of funding earning assets | 0.8176% | 481 |
| Net interest margin | 4.0612% | 1,428 |
| Noninterest income to average assets | 0.0408% | 5,668 |
| Noninterest expense to average assets | 2.4112% | 4,018 |
| Loan and lease loss provision to assets | 0.0974% | 2,058 |
| Net operating income to assets | 0.8708% | 3,068 |
| Return on assets (ROA) | 0.8708% | 3,116 |
| Pretax return on assets | 1.4825% | 1,709 |
| Return on Equity (ROE) | 7.7641% | 3,160 |
| Retained earnings to average equity (ytd only) | 7.7641% | 1,253 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4159% | 4,259 |
| Assets per employee ($millions) | 6.0300% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 3,185 |
| Loan loss allowance to noncurrent loans | 773.2692% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 4,703 |
| Noncurrent loans to loans | 0.1516% | 4,508 |
| Net loans and leases to total assets | 79.1888% | 1,070 |
| Net loans and leases to deposits | 105.7268% | 407 |
| Net loans and leases to core deposits | 152.4185% | 111 |
| Total domestic deposits to total assets | 74.8995% | 5,211 |
| Equity capital to assets | 11.5392% | 2,289 |
| Core capital (leverage) ratio | 11.5663% | 1,926 |
| Tier 1 risk-based capital ratio | 17.7876% | 1,930 |
| Total risk-based capital ratio | 19.0402% | 1,880 |
| Memoranda: | ||
| Average total assets | $431,312,330 | 1,616 |
| Average earning assets | $419,531,330 | 1,551 |
| Average equity | $48,376,670 | 1,577 |
| Average total loans | $335,602,000 | 1,432 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7501% | 847 |
| Cost of funding earning assets | 0.7960% | 501 |
| Net interest margin | 3.9541% | 1,593 |
| Noninterest income to average assets | 0.0462% | 5,735 |
| Noninterest expense to average assets | 2.4162% | 4,072 |
| Loan and lease loss provision to assets | 0.0878% | 2,076 |
| Net operating income to assets | 0.8159% | 3,147 |
| Return on assets (ROA) | 0.8159% | 3,202 |
| Pretax return on assets | 1.3888% | 1,926 |
| Return on Equity (ROE) | 7.3793% | 3,219 |
| Retained earnings to average equity (ytd only) | 7.3793% | 1,702 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0698% | 4,139 |
| Assets per employee ($millions) | 6.0579% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 3,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 76.9275% | 1,270 |
| Net loans and leases to deposits | 101.4279% | 524 |
| Net loans and leases to core deposits | 143.5682% | 142 |
| Total domestic deposits to total assets | 75.8446% | 5,246 |
| Equity capital to assets | 11.2388% | 2,395 |
| Core capital (leverage) ratio | 11.1867% | 2,200 |
| Tier 1 risk-based capital ratio | 17.6791% | 1,980 |
| Total risk-based capital ratio | 18.9313% | 1,933 |
| Memoranda: | ||
| Average total assets | $432,903,000 | 1,627 |
| Average earning assets | $421,128,000 | 1,557 |
| Average equity | $47,863,500 | 1,588 |
| Average total loans | $331,876,500 | 1,452 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4984% | 1,541 |
| Cost of funding earning assets | 0.7702% | 577 |
| Net interest margin | 3.7283% | 2,582 |
| Noninterest income to average assets | 0.0430% | 5,789 |
| Noninterest expense to average assets | 2.2454% | 4,664 |
| Loan and lease loss provision to assets | 0.0232% | 3,904 |
| Net operating income to assets | 0.8308% | 3,152 |
| Return on assets (ROA) | 0.8308% | 3,262 |
| Pretax return on assets | 1.4060% | 1,921 |
| Return on Equity (ROE) | 7.2918% | 3,318 |
| Retained earnings to average equity (ytd only) | 4.4432% | 2,752 |
| Net charge-offs to loans | -0.0007% | 4,639 |
| Credit loss provision to net charge-offs | -4,700.0000% | 5,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1059% | 4,397 |
| Assets per employee ($millions) | 6.0513% | 1,439 |
| Cash dividends to net income (ytd only)* | 39.0658% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 3,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 74.6307% | 1,752 |
| Net loans and leases to deposits | 99.4002% | 710 |
| Net loans and leases to core deposits | 146.3485% | 138 |
| Total domestic deposits to total assets | 75.0810% | 5,343 |
| Equity capital to assets | 10.8764% | 2,734 |
| Core capital (leverage) ratio | 11.1458% | 2,210 |
| Tier 1 risk-based capital ratio | 17.5260% | 2,000 |
| Total risk-based capital ratio | 18.7783% | 1,960 |
| Memoranda: | ||
| Average total assets | $404,552,200 | 1,662 |
| Average earning assets | $394,072,200 | 1,598 |
| Average equity | $46,092,600 | 1,637 |
| Average total loans | $304,819,200 | 1,500 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 1,598 |
| Cost of funding earning assets | 0.7650% | 599 |
| Net interest margin | 3.7181% | 2,646 |
| Noninterest income to average assets | 0.0417% | 5,853 |
| Noninterest expense to average assets | 2.1423% | 4,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9013% | 2,897 |
| Return on assets (ROA) | 0.9013% | 3,040 |
| Pretax return on assets | 1.5236% | 1,634 |
| Return on Equity (ROE) | 7.8130% | 3,108 |
| Retained earnings to average equity (ytd only) | 3.9881% | 3,467 |
| Net charge-offs to loans | -0.0009% | 4,435 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4380% | 4,760 |
| Assets per employee ($millions) | 5.7846% | 1,590 |
| Cash dividends to net income (ytd only)* | 48.9559% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 3,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 75.8862% | 1,536 |
| Net loans and leases to deposits | 102.2484% | 552 |
| Net loans and leases to core deposits | 147.4766% | 139 |
| Total domestic deposits to total assets | 74.2175% | 5,411 |
| Equity capital to assets | 11.1557% | 2,847 |
| Core capital (leverage) ratio | 11.3091% | 2,184 |
| Tier 1 risk-based capital ratio | 17.8670% | 1,956 |
| Total risk-based capital ratio | 19.1195% | 1,922 |
| Memoranda: | ||
| Average total assets | $396,766,250 | 1,700 |
| Average earning assets | $386,745,000 | 1,617 |
| Average equity | $45,768,750 | 1,656 |
| Average total loans | $298,780,500 | 1,523 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4545% | 1,659 |
| Cost of funding earning assets | 0.7455% | 646 |
| Net interest margin | 3.7090% | 2,659 |
| Noninterest income to average assets | 0.0374% | 5,939 |
| Noninterest expense to average assets | 2.0831% | 5,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9329% | 2,711 |
| Return on assets (ROA) | 0.9329% | 2,845 |
| Pretax return on assets | 1.5705% | 1,452 |
| Return on Equity (ROE) | 7.9934% | 2,974 |
| Retained earnings to average equity (ytd only) | 2.2267% | 4,460 |
| Net charge-offs to loans | -0.0014% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0146% | 5,023 |
| Assets per employee ($millions) | 6.1065% | 1,329 |
| Cash dividends to net income (ytd only)* | 72.1429% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 3,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 72.2966% | 2,121 |
| Net loans and leases to deposits | 97.5783% | 920 |
| Net loans and leases to core deposits | 147.0921% | 136 |
| Total domestic deposits to total assets | 74.0908% | 5,507 |
| Equity capital to assets | 11.1427% | 2,902 |
| Core capital (leverage) ratio | 11.3068% | 2,145 |
| Tier 1 risk-based capital ratio | 18.8340% | 1,732 |
| Total risk-based capital ratio | 20.0878% | 1,691 |
| Memoranda: | ||
| Average total assets | $390,192,330 | 1,728 |
| Average earning assets | $380,424,000 | 1,643 |
| Average equity | $45,537,670 | 1,663 |
| Average total loans | $291,782,670 | 1,558 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4265% | 1,720 |
| Cost of funding earning assets | 0.7135% | 757 |
| Net interest margin | 3.7130% | 2,614 |
| Noninterest income to average assets | 0.0336% | 6,014 |
| Noninterest expense to average assets | 2.0761% | 5,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9340% | 2,587 |
| Return on assets (ROA) | 0.9340% | 2,695 |
| Pretax return on assets | 1.5770% | 1,356 |
| Return on Equity (ROE) | 7.8133% | 3,025 |
| Retained earnings to average equity (ytd only) | 7.8133% | 1,537 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8306% | 5,115 |
| Assets per employee ($millions) | 5.8849% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 3,043 |
| Loan loss allowance to noncurrent loans | 352.1327% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 4,488 |
| Noncurrent loans to loans | 0.3614% | 4,136 |
| Net loans and leases to total assets | 73.1034% | 1,868 |
| Net loans and leases to deposits | 100.0924% | 617 |
| Net loans and leases to core deposits | 140.5048% | 162 |
| Total domestic deposits to total assets | 73.0359% | 5,702 |
| Equity capital to assets | 11.6566% | 2,282 |
| Core capital (leverage) ratio | 12.1797% | 1,505 |
| Tier 1 risk-based capital ratio | 19.1435% | 1,697 |
| Total risk-based capital ratio | 20.3972% | 1,662 |
| Memoranda: | ||
| Average total assets | $380,720,000 | 1,760 |
| Average earning assets | $371,129,000 | 1,677 |
| Average equity | $45,512,000 | 1,659 |
| Average total loans | $287,919,500 | 1,575 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6260% | 1,271 |
| Cost of funding earning assets | 0.6676% | 975 |
| Net interest margin | 3.9584% | 1,848 |
| Noninterest income to average assets | 0.0486% | 6,013 |
| Noninterest expense to average assets | 2.2892% | 4,821 |
| Loan and lease loss provision to assets | 0.0262% | 3,865 |
| Net operating income to assets | 0.8474% | 3,124 |
| Return on assets (ROA) | 0.8474% | 3,193 |
| Pretax return on assets | 1.5810% | 1,309 |
| Return on Equity (ROE) | 7.4162% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.4162% | 1,123 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7515% | 5,056 |
| Assets per employee ($millions) | 6.1192% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 2,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 76.3093% | 1,358 |
| Net loans and leases to deposits | 107.2479% | 321 |
| Net loans and leases to core deposits | 139.9180% | 165 |
| Total domestic deposits to total assets | 71.1523% | 5,844 |
| Equity capital to assets | 12.2738% | 1,759 |
| Core capital (leverage) ratio | 12.6979% | 1,266 |
| Tier 1 risk-based capital ratio | 19.5866% | 1,567 |
| Total risk-based capital ratio | 20.8415% | 1,535 |
| Memoranda: | ||
| Average total assets | $335,489,400 | 1,957 |
| Average earning assets | $326,116,200 | 1,861 |
| Average equity | $38,335,200 | 1,873 |
| Average total loans | $265,965,200 | 1,642 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6558% | 1,193 |
| Cost of funding earning assets | 0.6600% | 1,035 |
| Net interest margin | 3.9957% | 1,717 |
| Noninterest income to average assets | 0.0521% | 6,087 |
| Noninterest expense to average assets | 2.3274% | 4,716 |
| Loan and lease loss provision to assets | 0.0358% | 3,502 |
| Net operating income to assets | 0.9113% | 2,906 |
| Return on assets (ROA) | 0.9113% | 2,998 |
| Pretax return on assets | 1.5699% | 1,477 |
| Return on Equity (ROE) | 8.1446% | 2,995 |
| Retained earnings to average equity (ytd only) | 8.1446% | 1,191 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1742% | 4,983 |
| Assets per employee ($millions) | 6.3618% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 2,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 79.7119% | 857 |
| Net loans and leases to deposits | 107.3891% | 318 |
| Net loans and leases to core deposits | 140.0924% | 165 |
| Total domestic deposits to total assets | 74.2272% | 5,695 |
| Equity capital to assets | 11.0215% | 3,001 |
| Core capital (leverage) ratio | 11.2054% | 2,292 |
| Tier 1 risk-based capital ratio | 17.2562% | 2,275 |
| Total risk-based capital ratio | 18.5118% | 2,228 |
| Memoranda: | ||
| Average total assets | $327,574,500 | 2,020 |
| Average earning assets | $318,164,250 | 1,913 |
| Average equity | $36,653,250 | 1,961 |
| Average total loans | $261,485,500 | 1,673 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6206% | 1,231 |
| Cost of funding earning assets | 0.6502% | 1,101 |
| Net interest margin | 3.9704% | 1,732 |
| Noninterest income to average assets | 0.0509% | 6,169 |
| Noninterest expense to average assets | 2.3484% | 4,718 |
| Loan and lease loss provision to assets | 0.0546% | 3,018 |
| Net operating income to assets | 0.8749% | 3,017 |
| Return on assets (ROA) | 0.8749% | 3,125 |
| Pretax return on assets | 1.5039% | 1,642 |
| Return on Equity (ROE) | 7.8099% | 3,160 |
| Retained earnings to average equity (ytd only) | 7.8099% | 1,342 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1081% | 4,963 |
| Assets per employee ($millions) | 5.8736% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 2,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 80.7955% | 698 |
| Net loans and leases to deposits | 109.2492% | 279 |
| Net loans and leases to core deposits | 142.9604% | 148 |
| Total domestic deposits to total assets | 73.9553% | 5,803 |
| Equity capital to assets | 10.9917% | 2,890 |
| Core capital (leverage) ratio | 11.1831% | 2,260 |
| Tier 1 risk-based capital ratio | 16.9578% | 2,421 |
| Total risk-based capital ratio | 18.2135% | 2,372 |
| Memoranda: | ||
| Average total assets | $322,086,000 | 2,063 |
| Average earning assets | $312,813,330 | 1,964 |
| Average equity | $36,082,330 | 1,996 |
| Average total loans | $256,129,000 | 1,705 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5412% | 1,349 |
| Cost of funding earning assets | 0.6448% | 1,155 |
| Net interest margin | 3.8964% | 1,905 |
| Noninterest income to average assets | 0.0393% | 6,257 |
| Noninterest expense to average assets | 2.3691% | 4,688 |
| Loan and lease loss provision to assets | 0.1115% | 1,853 |
| Net operating income to assets | 0.8412% | 3,056 |
| Return on assets (ROA) | 0.8412% | 3,183 |
| Pretax return on assets | 1.3404% | 2,119 |
| Return on Equity (ROE) | 7.4349% | 3,253 |
| Retained earnings to average equity (ytd only) | 7.4349% | 1,793 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0027% | 4,797 |
| Assets per employee ($millions) | 5.6280% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 2,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 78.4065% | 869 |
| Net loans and leases to deposits | 107.0788% | 281 |
| Net loans and leases to core deposits | 145.6934% | 118 |
| Total domestic deposits to total assets | 73.2232% | 5,960 |
| Equity capital to assets | 11.2395% | 2,710 |
| Core capital (leverage) ratio | 11.4289% | 2,058 |
| Tier 1 risk-based capital ratio | 18.2978% | 2,062 |
| Total risk-based capital ratio | 19.5559% | 2,015 |
| Memoranda: | ||
| Average total assets | $315,730,500 | 2,108 |
| Average earning assets | $306,439,000 | 2,011 |
| Average equity | $35,723,500 | 2,027 |
| Average total loans | $247,085,500 | 1,761 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4925% | 1,899 |
| Cost of funding earning assets | 0.5211% | 2,480 |
| Net interest margin | 3.9714% | 1,968 |
| Noninterest income to average assets | 0.1025% | 6,147 |
| Noninterest expense to average assets | 2.6182% | 4,149 |
| Loan and lease loss provision to assets | 0.2323% | 1,043 |
| Net operating income to assets | 0.5758% | 4,481 |
| Return on assets (ROA) | 0.5758% | 4,564 |
| Pretax return on assets | 1.0863% | 3,138 |
| Return on Equity (ROE) | 4.4724% | 4,907 |
| Retained earnings to average equity (ytd only) | 4.4724% | 2,993 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5056% | 4,152 |
| Assets per employee ($millions) | 5.8609% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 2,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 75.7515% | 1,306 |
| Net loans and leases to deposits | 104.5405% | 416 |
| Net loans and leases to core deposits | 134.3684% | 207 |
| Total domestic deposits to total assets | 72.4614% | 6,051 |
| Equity capital to assets | 11.3933% | 2,520 |
| Core capital (leverage) ratio | 11.9159% | 1,682 |
| Tier 1 risk-based capital ratio | 19.5331% | 1,714 |
| Total risk-based capital ratio | 20.7926% | 1,675 |
| Memoranda: | ||
| Average total assets | $268,163,400 | 2,366 |
| Average earning assets | $258,898,400 | 2,282 |
| Average equity | $34,523,000 | 2,020 |
| Average total loans | $206,058,400 | 1,997 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4984% | 1,878 |
| Cost of funding earning assets | 0.4838% | 2,917 |
| Net interest margin | 4.0145% | 1,838 |
| Noninterest income to average assets | 0.0637% | 6,348 |
| Noninterest expense to average assets | 2.6185% | 4,136 |
| Loan and lease loss provision to assets | 0.3225% | 580 |
| Net operating income to assets | 0.5845% | 4,515 |
| Return on assets (ROA) | 0.5845% | 4,600 |
| Pretax return on assets | 0.9929% | 3,621 |
| Return on Equity (ROE) | 4.3879% | 5,009 |
| Retained earnings to average equity (ytd only) | 4.3879% | 3,527 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5614% | 4,125 |
| Assets per employee ($millions) | 5.4201% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6055% | 2,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 5,600 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 80.3900% | 675 |
| Net loans and leases to deposits | 116.0438% | 130 |
| Net loans and leases to core deposits | 148.8738% | 106 |
| Total domestic deposits to total assets | 69.2756% | 6,307 |
| Equity capital to assets | 12.6530% | 1,608 |
| Core capital (leverage) ratio | 12.5801% | 1,362 |
| Tier 1 risk-based capital ratio | 20.4842% | 1,557 |
| Total risk-based capital ratio | 21.7452% | 1,519 |
| Memoranda: | ||
| Average total assets | $257,547,000 | 2,472 |
| Average earning assets | $248,291,000 | 2,376 |
| Average equity | $34,306,000 | 2,037 |
| Average total loans | $197,840,000 | 2,070 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3357% | 2,445 |
| Cost of funding earning assets | 0.4605% | 3,207 |
| Net interest margin | 3.8752% | 2,279 |
| Noninterest income to average assets | 0.0637% | 6,400 |
| Noninterest expense to average assets | 2.6706% | 3,976 |
| Loan and lease loss provision to assets | 0.4959% | 302 |
| Net operating income to assets | 0.3693% | 5,332 |
| Return on assets (ROA) | 0.3693% | 5,404 |
| Pretax return on assets | 0.6280% | 4,856 |
| Return on Equity (ROE) | 2.7228% | 5,615 |
| Retained earnings to average equity (ytd only) | 2.7228% | 4,466 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3797% | 3,595 |
| Assets per employee ($millions) | 5.2452% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7072% | 2,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 5,699 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 78.0623% | 900 |
| Net loans and leases to deposits | 113.8336% | 141 |
| Net loans and leases to core deposits | 141.1732% | 135 |
| Total domestic deposits to total assets | 68.5758% | 6,404 |
| Equity capital to assets | 12.8262% | 1,472 |
| Core capital (leverage) ratio | 13.4286% | 1,000 |
| Tier 1 risk-based capital ratio | 20.5054% | 1,565 |
| Total risk-based capital ratio | 21.7670% | 1,532 |
| Memoranda: | ||
| Average total assets | $251,254,330 | 2,533 |
| Average earning assets | $241,896,330 | 2,423 |
| Average equity | $34,082,670 | 2,038 |
| Average total loans | $188,505,330 | 2,145 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 2,898 |
| Cost of funding earning assets | 0.4563% | 3,361 |
| Net interest margin | 3.7390% | 2,713 |
| Noninterest income to average assets | 0.0642% | 6,447 |
| Noninterest expense to average assets | 2.7607% | 3,713 |
| Loan and lease loss provision to assets | 0.2270% | 979 |
| Net operating income to assets | 0.3981% | 5,125 |
| Return on assets (ROA) | 0.3981% | 5,196 |
| Pretax return on assets | 0.6762% | 4,569 |
| Return on Equity (ROE) | 2.8497% | 5,512 |
| Retained earnings to average equity (ytd only) | 2.8497% | 4,383 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3480% | 2,895 |
| Assets per employee ($millions) | 4.5815% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 2,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 5,742 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 72.7149% | 1,460 |
| Net loans and leases to deposits | 108.6708% | 177 |
| Net loans and leases to core deposits | 139.8026% | 128 |
| Total domestic deposits to total assets | 66.9130% | 6,539 |
| Equity capital to assets | 13.7788% | 999 |
| Core capital (leverage) ratio | 13.7701% | 903 |
| Tier 1 risk-based capital ratio | 22.5264% | 1,203 |
| Total risk-based capital ratio | 23.7872% | 1,181 |
| Memoranda: | ||
| Average total assets | $243,128,000 | 2,616 |
| Average earning assets | $234,072,500 | 2,502 |
| Average equity | $33,968,500 | 2,035 |
| Average total loans | $176,533,500 | 2,272 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9721% | 4,187 |
| Cost of funding earning assets | 0.4476% | 4,140 |
| Net interest margin | 3.5245% | 3,792 |
| Noninterest income to average assets | 0.0791% | 6,461 |
| Noninterest expense to average assets | 2.6136% | 4,411 |
| Loan and lease loss provision to assets | 0.0157% | 4,811 |
| Net operating income to assets | 0.7464% | 3,571 |
| Return on assets (ROA) | 0.7464% | 3,662 |
| Pretax return on assets | 0.8574% | 3,928 |
| Return on Equity (ROE) | 5.0530% | 4,602 |
| Retained earnings to average equity (ytd only) | 5.0530% | 2,558 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9581% | 2,959 |
| Assets per employee ($millions) | 4.1182% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7668% | 2,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 5,804 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 69.9268% | 2,023 |
| Net loans and leases to deposits | 100.0587% | 482 |
| Net loans and leases to core deposits | 134.0936% | 166 |
| Total domestic deposits to total assets | 69.8858% | 6,525 |
| Equity capital to assets | 14.1710% | 858 |
| Core capital (leverage) ratio | 14.4741% | 696 |
| Tier 1 risk-based capital ratio | 22.5855% | 1,165 |
| Total risk-based capital ratio | 23.8453% | 1,138 |
| Memoranda: | ||
| Average total assets | $222,529,400 | 2,785 |
| Average earning assets | $215,151,800 | 2,669 |
| Average equity | $32,871,800 | 2,094 |
| Average total loans | $149,139,000 | 2,572 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 4,310 |
| Cost of funding earning assets | 0.4517% | 4,256 |
| Net interest margin | 3.4998% | 3,883 |
| Noninterest income to average assets | 0.0836% | 6,530 |
| Noninterest expense to average assets | 2.5629% | 4,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5334% | 4,649 |
| Return on assets (ROA) | 0.5334% | 4,807 |
| Pretax return on assets | 0.9070% | 3,849 |
| Return on Equity (ROE) | 3.5715% | 5,407 |
| Retained earnings to average equity (ytd only) | 3.5715% | 4,157 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8610% | 3,092 |
| Assets per employee ($millions) | 4.2313% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0475% | 1,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 5,917 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 61.0334% | 3,520 |
| Net loans and leases to deposits | 82.7639% | 2,037 |
| Net loans and leases to core deposits | 111.1409% | 535 |
| Total domestic deposits to total assets | 73.7440% | 6,388 |
| Equity capital to assets | 14.2059% | 904 |
| Core capital (leverage) ratio | 14.3034% | 785 |
| Tier 1 risk-based capital ratio | 24.9115% | 880 |
| Total risk-based capital ratio | 26.1744% | 867 |
| Memoranda: | ||
| Average total assets | $218,448,250 | 2,847 |
| Average earning assets | $211,357,500 | 2,720 |
| Average equity | $32,627,750 | 2,119 |
| Average total loans | $143,917,000 | 2,659 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9787% | 4,194 |
| Cost of funding earning assets | 0.4424% | 4,516 |
| Net interest margin | 3.5363% | 3,629 |
| Noninterest income to average assets | 0.0777% | 6,596 |
| Noninterest expense to average assets | 2.5148% | 4,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5719% | 4,442 |
| Return on assets (ROA) | 0.5719% | 4,614 |
| Pretax return on assets | 0.9818% | 3,595 |
| Return on Equity (ROE) | 3.7619% | 5,309 |
| Retained earnings to average equity (ytd only) | 3.7619% | 3,906 |
| Net charge-offs to loans | 0.0042% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 349.6667% | 142 |
| Efficiency ratio | 71.9218% | 3,486 |
| Assets per employee ($millions) | 4.5343% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0292% | 1,790 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 5,948 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 64.4512% | 2,846 |
| Net loans and leases to deposits | 88.7027% | 1,265 |
| Net loans and leases to core deposits | 116.0399% | 386 |
| Total domestic deposits to total assets | 72.6598% | 6,525 |
| Equity capital to assets | 14.7613% | 770 |
| Core capital (leverage) ratio | 14.8878% | 634 |
| Tier 1 risk-based capital ratio | 26.8676% | 704 |
| Total risk-based capital ratio | 28.1324% | 691 |
| Memoranda: | ||
| Average total assets | $213,691,000 | 2,921 |
| Average earning assets | $206,599,000 | 2,790 |
| Average equity | $32,483,670 | 2,127 |
| Average total loans | $143,554,000 | 2,664 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 4,240 |
| Cost of funding earning assets | 0.4387% | 4,720 |
| Net interest margin | 3.5293% | 3,577 |
| Noninterest income to average assets | 0.0802% | 6,643 |
| Noninterest expense to average assets | 2.5840% | 4,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5386% | 4,502 |
| Return on assets (ROA) | 0.5386% | 4,648 |
| Pretax return on assets | 0.9072% | 3,733 |
| Return on Equity (ROE) | 3.4893% | 5,347 |
| Retained earnings to average equity (ytd only) | 3.4893% | 4,153 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0153% | 3,260 |
| Assets per employee ($millions) | 4.6369% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0911% | 1,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 6,011 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 63.7880% | 2,750 |
| Net loans and leases to deposits | 88.1784% | 1,128 |
| Net loans and leases to core deposits | 112.6266% | 424 |
| Total domestic deposits to total assets | 72.3397% | 6,642 |
| Equity capital to assets | 14.8982% | 779 |
| Core capital (leverage) ratio | 15.6701% | 495 |
| Tier 1 risk-based capital ratio | 25.9062% | 795 |
| Total risk-based capital ratio | 27.1701% | 781 |
| Memoranda: | ||
| Average total assets | $209,445,500 | 2,983 |
| Average earning assets | $202,420,500 | 2,874 |
| Average equity | $32,327,000 | 2,160 |
| Average total loans | $142,248,500 | 2,691 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4946% | 3,410 |
| Cost of funding earning assets | 0.5330% | 4,967 |
| Net interest margin | 3.9616% | 2,562 |
| Noninterest income to average assets | 0.2012% | 5,976 |
| Noninterest expense to average assets | 3.1867% | 2,657 |
| Loan and lease loss provision to assets | 0.1254% | 4,049 |
| Net operating income to assets | 0.6865% | 3,802 |
| Return on assets (ROA) | 0.6865% | 4,062 |
| Pretax return on assets | 0.7029% | 4,656 |
| Return on Equity (ROE) | 4.5233% | 4,914 |
| Retained earnings to average equity (ytd only) | 4.5233% | 3,042 |
| Net charge-offs to loans | -0.1081% | 6,836 |
| Credit loss provision to net charge-offs | -160.8392% | 6,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3698% | 2,228 |
| Assets per employee ($millions) | 5.0240% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0833% | 1,810 |
| Loan loss allowance to noncurrent loans | 1,155.2529% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.5792% | 5,032 |
| Noncurrent loans to loans | 0.1803% | 6,022 |
| Net loans and leases to total assets | 69.4394% | 1,955 |
| Net loans and leases to deposits | 95.5925% | 647 |
| Net loans and leases to core deposits | 117.2461% | 331 |
| Total domestic deposits to total assets | 72.6410% | 6,648 |
| Equity capital to assets | 16.0163% | 550 |
| Core capital (leverage) ratio | 15.7527% | 483 |
| Tier 1 risk-based capital ratio | 24.1368% | 954 |
| Total risk-based capital ratio | 25.3990% | 934 |
| Memoranda: | ||
| Average total assets | $183,390,000 | 3,269 |
| Average earning assets | $176,546,200 | 3,139 |
| Average equity | $27,833,800 | 2,410 |
| Average total loans | $132,231,000 | 2,841 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 3,590 |
| Cost of funding earning assets | 0.5462% | 5,116 |
| Net interest margin | 3.9658% | 2,647 |
| Noninterest income to average assets | 0.2428% | 5,809 |
| Noninterest expense to average assets | 3.1530% | 2,708 |
| Loan and lease loss provision to assets | 0.1713% | 3,414 |
| Net operating income to assets | 0.5080% | 4,815 |
| Return on assets (ROA) | 0.5080% | 5,077 |
| Pretax return on assets | 0.7367% | 4,717 |
| Return on Equity (ROE) | 3.3998% | 5,535 |
| Retained earnings to average equity (ytd only) | 3.3998% | 4,475 |
| Net charge-offs to loans | -0.1460% | 6,931 |
| Credit loss provision to net charge-offs | -161.9718% | 6,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6412% | 2,438 |
| Assets per employee ($millions) | 5.0997% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1011% | 1,903 |
| Loan loss allowance to noncurrent loans | 916.0494% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 4,859 |
| Noncurrent loans to loans | 0.2294% | 6,037 |
| Net loans and leases to total assets | 69.5299% | 2,007 |
| Net loans and leases to deposits | 95.8277% | 672 |
| Net loans and leases to core deposits | 116.3707% | 376 |
| Total domestic deposits to total assets | 72.5572% | 6,712 |
| Equity capital to assets | 15.8922% | 629 |
| Core capital (leverage) ratio | 16.6746% | 406 |
| Tier 1 risk-based capital ratio | 23.6890% | 1,065 |
| Total risk-based capital ratio | 24.9511% | 1,044 |
| Memoranda: | ||
| Average total assets | $178,998,000 | 3,371 |
| Average earning assets | $172,334,000 | 3,229 |
| Average equity | $26,745,750 | 2,521 |
| Average total loans | $129,660,500 | 2,924 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 3,183 |
| Cost of funding earning assets | 0.5672% | 5,170 |
| Net interest margin | 4.0728% | 2,197 |
| Noninterest income to average assets | 0.2680% | 5,658 |
| Noninterest expense to average assets | 3.2837% | 2,351 |
| Loan and lease loss provision to assets | 0.2321% | 2,757 |
| Net operating income to assets | 0.4641% | 4,983 |
| Return on assets (ROA) | 0.4641% | 5,224 |
| Pretax return on assets | 0.6683% | 4,915 |
| Return on Equity (ROE) | 3.1841% | 5,611 |
| Retained earnings to average equity (ytd only) | 3.1841% | 4,495 |
| Net charge-offs to loans | -0.2226% | 7,019 |
| Credit loss provision to net charge-offs | -142.8571% | 6,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4803% | 2,400 |
| Assets per employee ($millions) | 5.0102% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1699% | 1,842 |
| Loan loss allowance to noncurrent loans | 884.3373% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.8270% | 4,739 |
| Noncurrent loans to loans | 0.2454% | 6,089 |
| Net loans and leases to total assets | 71.4060% | 1,656 |
| Net loans and leases to deposits | 88.0970% | 1,359 |
| Net loans and leases to core deposits | 107.3107% | 690 |
| Total domestic deposits to total assets | 81.0538% | 5,449 |
| Equity capital to assets | 13.6618% | 1,238 |
| Core capital (leverage) ratio | 14.0449% | 791 |
| Tier 1 risk-based capital ratio | 19.8161% | 1,750 |
| Total risk-based capital ratio | 21.0798% | 1,717 |
| Memoranda: | ||
| Average total assets | $172,367,330 | 3,467 |
| Average earning assets | $165,734,670 | 3,333 |
| Average equity | $25,125,000 | 2,658 |
| Average total loans | $125,795,330 | 3,012 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0420% | 1,746 |
| Cost of funding earning assets | 0.5895% | 5,216 |
| Net interest margin | 4.4526% | 1,107 |
| Noninterest income to average assets | 0.1688% | 6,372 |
| Noninterest expense to average assets | 3.3112% | 2,252 |
| Loan and lease loss provision to assets | 0.4823% | 1,267 |
| Net operating income to assets | 0.4751% | 4,929 |
| Return on assets (ROA) | 0.4751% | 5,127 |
| Pretax return on assets | 0.6560% | 4,925 |
| Return on Equity (ROE) | 3.1489% | 5,657 |
| Retained earnings to average equity (ytd only) | 3.1489% | 4,676 |
| Net charge-offs to loans | -0.4527% | 7,136 |
| Credit loss provision to net charge-offs | -145.9854% | 5,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4173% | 3,032 |
| Assets per employee ($millions) | 4.5699% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3462% | 1,598 |
| Loan loss allowance to noncurrent loans | 271.8258% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.8882% | 4,753 |
| Noncurrent loans to loans | 0.8631% | 4,944 |
| Net loans and leases to total assets | 68.4943% | 2,025 |
| Net loans and leases to deposits | 80.1250% | 2,188 |
| Net loans and leases to core deposits | 97.6288% | 1,154 |
| Total domestic deposits to total assets | 85.4843% | 3,802 |
| Equity capital to assets | 14.0960% | 992 |
| Core capital (leverage) ratio | 14.7482% | 644 |
| Tier 1 risk-based capital ratio | 22.0619% | 1,276 |
| Total risk-based capital ratio | 23.3291% | 1,244 |
| Memoranda: | ||
| Average total assets | $165,862,000 | 3,583 |
| Average earning assets | $159,459,000 | 3,445 |
| Average equity | $25,024,500 | 2,661 |
| Average total loans | $121,039,500 | 3,133 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7110% | 6,834 |
| Cost of funding earning assets | 0.6874% | 5,619 |
| Net interest margin | 3.0236% | 6,493 |
| Noninterest income to average assets | 0.2107% | 6,010 |
| Noninterest expense to average assets | 3.4027% | 2,230 |
| Loan and lease loss provision to assets | 0.2448% | 3,764 |
| Net operating income to assets | -0.5006% | 6,489 |
| Return on assets (ROA) | -0.5000% | 6,537 |
| Pretax return on assets | -0.5000% | 6,496 |
| Return on Equity (ROE) | -3.2667% | 6,430 |
| Retained earnings to average equity (ytd only) | -3.2667% | 6,308 |
| Net charge-offs to loans | 0.3768% | 3,525 |
| Credit loss provision to net charge-offs | 100.5000% | 3,474 |
| Earnings coverage of net charge-offs (x) | -1.0500% | 6,199 |
| Efficiency ratio | 108.1285% | 471 |
| Assets per employee ($millions) | 3.9358% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2175% | 1,771 |
| Loan loss allowance to noncurrent loans | 54.4692% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 3.1050% | 1,926 |
| Noncurrent loans to loans | 4.0711% | 1,530 |
| Net loans and leases to total assets | 74.5778% | 1,160 |
| Net loans and leases to deposits | 89.4216% | 1,211 |
| Net loans and leases to core deposits | 112.1689% | 558 |
| Total domestic deposits to total assets | 83.4002% | 4,592 |
| Equity capital to assets | 16.2389% | 550 |
| Core capital (leverage) ratio | 15.5130% | 525 |
| Tier 1 risk-based capital ratio | 23.6640% | 1,002 |
| Total risk-based capital ratio | 24.9295% | 988 |
| Memoranda: | ||
| Average total assets | $164,193,200 | 3,575 |
| Average earning assets | $159,446,000 | 3,418 |
| Average equity | $25,132,400 | 2,567 |
| Average total loans | $106,160,200 | 3,470 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5576% | 7,055 |
| Cost of funding earning assets | 0.7066% | 5,717 |
| Net interest margin | 2.8510% | 6,829 |
| Noninterest income to average assets | 0.0967% | 6,764 |
| Noninterest expense to average assets | 3.3247% | 2,424 |
| Loan and lease loss provision to assets | 0.3212% | 2,968 |
| Net operating income to assets | -0.7734% | 6,785 |
| Return on assets (ROA) | -0.7726% | 6,821 |
| Pretax return on assets | -0.7726% | 6,772 |
| Return on Equity (ROE) | -5.1195% | 6,680 |
| Retained earnings to average equity (ytd only) | -5.1195% | 6,600 |
| Net charge-offs to loans | 0.5156% | 2,699 |
| Credit loss provision to net charge-offs | 100.5000% | 3,347 |
| Earnings coverage of net charge-offs (x) | -1.4150% | 5,977 |
| Efficiency ratio | 115.7441% | 349 |
| Assets per employee ($millions) | 4.3822% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5066% | 1,391 |
| Loan loss allowance to noncurrent loans | 51.3856% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 2.7449% | 2,364 |
| Noncurrent loans to loans | 4.8780% | 1,298 |
| Net loans and leases to total assets | 54.8603% | 5,019 |
| Net loans and leases to deposits | 64.7942% | 5,076 |
| Net loans and leases to core deposits | 78.2759% | 3,861 |
| Total domestic deposits to total assets | 84.6685% | 3,934 |
| Equity capital to assets | 13.4630% | 1,387 |
| Core capital (leverage) ratio | 13.8994% | 921 |
| Tier 1 risk-based capital ratio | 26.1547% | 821 |
| Total risk-based capital ratio | 27.4234% | 797 |
| Memoranda: | ||
| Average total assets | $166,867,500 | 3,563 |
| Average earning assets | $162,465,000 | 3,376 |
| Average equity | $25,184,000 | 2,554 |
| Average total loans | $103,432,750 | 3,557 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7043% | 7,013 |
| Cost of funding earning assets | 0.7184% | 5,845 |
| Net interest margin | 2.9859% | 6,632 |
| Noninterest income to average assets | 0.0968% | 6,843 |
| Noninterest expense to average assets | 3.3946% | 2,277 |
| Loan and lease loss provision to assets | 0.4989% | 1,967 |
| Net operating income to assets | -0.8924% | 6,907 |
| Return on assets (ROA) | -0.8912% | 6,909 |
| Pretax return on assets | -0.8912% | 6,859 |
| Return on Equity (ROE) | -5.6716% | 6,758 |
| Retained earnings to average equity (ytd only) | -5.6716% | 6,624 |
| Net charge-offs to loans | 0.7738% | 1,953 |
| Credit loss provision to net charge-offs | 100.5000% | 3,084 |
| Earnings coverage of net charge-offs (x) | -0.7925% | 5,600 |
| Efficiency ratio | 113.1100% | 422 |
| Assets per employee ($millions) | 3.4332% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5820% | 1,332 |
| Loan loss allowance to noncurrent loans | 50.7329% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 3.0418% | 2,212 |
| Noncurrent loans to loans | 5.0894% | 1,279 |
| Net loans and leases to total assets | 58.2238% | 4,587 |
| Net loans and leases to deposits | 70.0557% | 4,428 |
| Net loans and leases to core deposits | 86.1625% | 2,881 |
| Total domestic deposits to total assets | 83.1107% | 4,711 |
| Equity capital to assets | 14.8670% | 849 |
| Core capital (leverage) ratio | 15.4328% | 597 |
| Tier 1 risk-based capital ratio | 27.0209% | 722 |
| Total risk-based capital ratio | 28.2908% | 709 |
| Memoranda: | ||
| Average total assets | $161,139,000 | 3,672 |
| Average earning assets | $156,735,330 | 3,511 |
| Average equity | $25,319,000 | 2,525 |
| Average total loans | $103,387,670 | 3,599 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8191% | 6,928 |
| Cost of funding earning assets | 0.7393% | 5,928 |
| Net interest margin | 3.0799% | 6,397 |
| Noninterest income to average assets | 0.0939% | 6,948 |
| Noninterest expense to average assets | 3.4544% | 2,132 |
| Loan and lease loss provision to assets | 1.0203% | 743 |
| Net operating income to assets | -1.3884% | 7,158 |
| Return on assets (ROA) | -1.3884% | 7,164 |
| Pretax return on assets | -1.3884% | 7,122 |
| Return on Equity (ROE) | -8.5893% | 6,978 |
| Retained earnings to average equity (ytd only) | -8.5893% | 6,789 |
| Net charge-offs to loans | 1.5266% | 890 |
| Credit loss provision to net charge-offs | 100.5000% | 2,630 |
| Earnings coverage of net charge-offs (x) | -0.3625% | 4,752 |
| Efficiency ratio | 111.9243% | 461 |
| Assets per employee ($millions) | 3.6413% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5124% | 1,442 |
| Loan loss allowance to noncurrent loans | 46.9015% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 3.5350% | 1,926 |
| Noncurrent loans to loans | 5.3567% | 1,228 |
| Net loans and leases to total assets | 64.3334% | 3,384 |
| Net loans and leases to deposits | 78.7430% | 2,934 |
| Net loans and leases to core deposits | 98.4942% | 1,473 |
| Total domestic deposits to total assets | 81.7005% | 5,425 |
| Equity capital to assets | 16.0942% | 561 |
| Core capital (leverage) ratio | 15.7619% | 546 |
| Tier 1 risk-based capital ratio | 26.6612% | 732 |
| Total risk-based capital ratio | 27.9302% | 715 |
| Memoranda: | ||
| Average total assets | $157,596,000 | 3,744 |
| Average earning assets | $153,123,500 | 3,592 |
| Average equity | $25,473,500 | 2,496 |
| Average total loans | $104,810,000 | 3,604 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2176% | 6,902 |
| Cost of funding earning assets | 0.9604% | 5,884 |
| Net interest margin | 3.2572% | 6,110 |
| Noninterest income to average assets | 0.1507% | 6,636 |
| Noninterest expense to average assets | 3.1982% | 3,100 |
| Loan and lease loss provision to assets | 0.0062% | 7,012 |
| Net operating income to assets | 0.0866% | 5,618 |
| Return on assets (ROA) | 0.0866% | 5,756 |
| Pretax return on assets | 0.0866% | 5,727 |
| Return on Equity (ROE) | 0.5421% | 5,820 |
| Retained earnings to average equity (ytd only) | 0.5421% | 5,305 |
| Net charge-offs to loans | -0.3126% | 7,574 |
| Credit loss provision to net charge-offs | -2.8329% | 6,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1807% | 907 |
| Assets per employee ($millions) | 3.5248% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4404% | 1,496 |
| Loan loss allowance to noncurrent loans | 56.4036% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 2.8995% | 2,422 |
| Noncurrent loans to loans | 4.3268% | 1,666 |
| Net loans and leases to total assets | 65.3776% | 3,584 |
| Net loans and leases to deposits | 80.1741% | 3,144 |
| Net loans and leases to core deposits | 100.1574% | 1,602 |
| Total domestic deposits to total assets | 81.5445% | 5,342 |
| Equity capital to assets | 16.2325% | 551 |
| Core capital (leverage) ratio | 15.7499% | 540 |
| Tier 1 risk-based capital ratio | 26.6952% | 688 |
| Total risk-based capital ratio | 27.9633% | 678 |
| Memoranda: | ||
| Average total assets | $160,592,800 | 3,684 |
| Average earning assets | $154,827,400 | 3,550 |
| Average equity | $25,642,800 | 2,486 |
| Average total loans | $112,922,800 | 3,473 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2651% | 7,014 |
| Cost of funding earning assets | 1.0121% | 5,885 |
| Net interest margin | 3.2530% | 6,161 |
| Noninterest income to average assets | 0.0480% | 7,283 |
| Noninterest expense to average assets | 3.1394% | 3,143 |
| Loan and lease loss provision to assets | 0.0083% | 6,940 |
| Net operating income to assets | 0.0315% | 5,927 |
| Return on assets (ROA) | 0.0315% | 6,059 |
| Pretax return on assets | 0.0315% | 6,042 |
| Return on Equity (ROE) | 0.1978% | 6,072 |
| Retained earnings to average equity (ytd only) | 0.1978% | 5,700 |
| Net charge-offs to loans | -0.4503% | 7,677 |
| Credit loss provision to net charge-offs | -2.5840% | 6,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7503% | 789 |
| Assets per employee ($millions) | 3.7184% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3939% | 1,482 |
| Loan loss allowance to noncurrent loans | 522.4652% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.8385% | 5,415 |
| Noncurrent loans to loans | 0.4582% | 6,270 |
| Net loans and leases to total assets | 64.0377% | 4,125 |
| Net loans and leases to deposits | 77.4624% | 3,927 |
| Net loans and leases to core deposits | 97.3481% | 2,108 |
| Total domestic deposits to total assets | 82.6694% | 4,726 |
| Equity capital to assets | 15.3268% | 814 |
| Core capital (leverage) ratio | 15.4984% | 636 |
| Tier 1 risk-based capital ratio | 25.5667% | 809 |
| Total risk-based capital ratio | 26.8338% | 791 |
| Memoranda: | ||
| Average total assets | $161,087,500 | 3,737 |
| Average earning assets | $155,054,000 | 3,593 |
| Average equity | $25,616,750 | 2,528 |
| Average total loans | $114,580,500 | 3,491 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3127% | 7,028 |
| Cost of funding earning assets | 1.0667% | 5,835 |
| Net interest margin | 3.2460% | 6,180 |
| Noninterest income to average assets | 0.0151% | 7,481 |
| Noninterest expense to average assets | 3.1256% | 3,203 |
| Loan and lease loss provision to assets | 0.0126% | 6,785 |
| Net operating income to assets | -0.0038% | 6,087 |
| Return on assets (ROA) | -0.0038% | 6,192 |
| Pretax return on assets | -0.0038% | 6,160 |
| Return on Equity (ROE) | -0.0234% | 6,194 |
| Retained earnings to average equity (ytd only) | -0.0234% | 5,735 |
| Net charge-offs to loans | -0.0344% | 7,383 |
| Credit loss provision to net charge-offs | -50.0000% | 6,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7191% | 811 |
| Assets per employee ($millions) | 3.1982% | 5,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0057% | 2,164 |
| Loan loss allowance to noncurrent loans | 269.1667% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 1.0881% | 4,959 |
| Noncurrent loans to loans | 0.7451% | 5,769 |
| Net loans and leases to total assets | 69.0822% | 3,109 |
| Net loans and leases to deposits | 84.3325% | 2,813 |
| Net loans and leases to core deposits | 106.2264% | 1,422 |
| Total domestic deposits to total assets | 81.9165% | 5,020 |
| Equity capital to assets | 16.0123% | 667 |
| Core capital (leverage) ratio | 16.3908% | 517 |
| Tier 1 risk-based capital ratio | 25.2764% | 824 |
| Total risk-based capital ratio | 26.5390% | 806 |
| Memoranda: | ||
| Average total assets | $159,007,330 | 3,810 |
| Average earning assets | $152,805,000 | 3,660 |
| Average equity | $25,607,000 | 2,527 |
| Average total loans | $116,180,330 | 3,472 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 7,108 |
| Cost of funding earning assets | 1.1568% | 5,619 |
| Net interest margin | 3.1600% | 6,419 |
| Noninterest income to average assets | 0.1085% | 7,155 |
| Noninterest expense to average assets | 3.1156% | 3,208 |
| Loan and lease loss provision to assets | 0.0252% | 6,411 |
| Net operating income to assets | 0.0000% | 6,281 |
| Return on assets (ROA) | 0.0000% | 6,392 |
| Pretax return on assets | 0.0000% | 6,350 |
| Return on Equity (ROE) | 0.0000% | 6,399 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,816 |
| Net charge-offs to loans | -0.0305% | 7,201 |
| Credit loss provision to net charge-offs | -111.1111% | 6,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1968% | 872 |
| Assets per employee ($millions) | 3.3217% | 5,497 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9100% | 2,410 |
| Loan loss allowance to noncurrent loans | 265.6434% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 1.5808% | 4,129 |
| Noncurrent loans to loans | 0.7190% | 5,889 |
| Net loans and leases to total assets | 70.9911% | 2,701 |
| Net loans and leases to deposits | 86.2884% | 2,532 |
| Net loans and leases to core deposits | 102.9739% | 1,824 |
| Total domestic deposits to total assets | 82.2719% | 4,944 |
| Equity capital to assets | 15.7332% | 715 |
| Core capital (leverage) ratio | 15.9912% | 582 |
| Tier 1 risk-based capital ratio | 24.5838% | 910 |
| Total risk-based capital ratio | 25.8453% | 883 |
| Memoranda: | ||
| Average total assets | $158,557,000 | 3,871 |
| Average earning assets | $152,150,000 | 3,721 |
| Average equity | $25,608,000 | 2,556 |
| Average total loans | $117,906,000 | 3,499 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9947% | 6,450 |
| Cost of funding earning assets | 1.3608% | 6,090 |
| Net interest margin | 3.6339% | 4,410 |
| Noninterest income to average assets | 0.1293% | 7,105 |
| Noninterest expense to average assets | 3.4631% | 2,479 |
| Loan and lease loss provision to assets | 0.7470% | 2,870 |
| Net operating income to assets | -0.5955% | 6,263 |
| Return on assets (ROA) | -0.5955% | 6,260 |
| Pretax return on assets | -0.5955% | 6,090 |
| Return on Equity (ROE) | -3.2822% | 6,023 |
| Retained earnings to average equity (ytd only) | -3.2822% | 5,749 |
| Net charge-offs to loans | 0.5208% | 3,693 |
| Credit loss provision to net charge-offs | 169.5447% | 2,520 |
| Earnings coverage of net charge-offs (x) | 0.3438% | 5,772 |
| Efficiency ratio | 95.8094% | 1,321 |
| Assets per employee ($millions) | 3.3554% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8905% | 2,287 |
| Loan loss allowance to noncurrent loans | 424.9524% | 786 |
| Noncurrent assets plus other real estate owned to assets | 1.4577% | 4,224 |
| Noncurrent loans to loans | 0.4449% | 6,383 |
| Net loans and leases to total assets | 75.0133% | 2,029 |
| Net loans and leases to deposits | 93.7696% | 1,625 |
| Net loans and leases to core deposits | 119.6526% | 1,976 |
| Total domestic deposits to total assets | 79.9974% | 5,673 |
| Equity capital to assets | 16.5909% | 605 |
| Core capital (leverage) ratio | 16.6037% | 539 |
| Tier 1 risk-based capital ratio | 23.1313% | 1,031 |
| Total risk-based capital ratio | 24.3914% | 1,013 |
| Memoranda: | ||
| Average total assets | $144,582,400 | 4,037 |
| Average earning assets | $138,666,800 | 3,934 |
| Average equity | $26,232,400 | 2,511 |
| Average total loans | $122,319,400 | 3,432 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0669% | 6,393 |
| Cost of funding earning assets | 1.3877% | 6,283 |
| Net interest margin | 3.6793% | 4,171 |
| Noninterest income to average assets | 0.1341% | 7,206 |
| Noninterest expense to average assets | 3.3356% | 2,783 |
| Loan and lease loss provision to assets | 0.7495% | 2,495 |
| Net operating income to assets | -0.4193% | 6,342 |
| Return on assets (ROA) | -0.4193% | 6,338 |
| Pretax return on assets | -0.4193% | 6,220 |
| Return on Equity (ROE) | -2.2585% | 6,132 |
| Retained earnings to average equity (ytd only) | -2.2585% | 5,771 |
| Net charge-offs to loans | 0.7012% | 2,594 |
| Credit loss provision to net charge-offs | 123.1125% | 4,102 |
| Earnings coverage of net charge-offs (x) | 0.5424% | 5,491 |
| Efficiency ratio | 90.9928% | 1,612 |
| Assets per employee ($millions) | 3.1923% | 5,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 3,087 |
| Loan loss allowance to noncurrent loans | 364.2857% | 853 |
| Noncurrent assets plus other real estate owned to assets | 1.6922% | 3,840 |
| Noncurrent loans to loans | 0.4331% | 6,468 |
| Net loans and leases to total assets | 80.5724% | 1,072 |
| Net loans and leases to deposits | 102.7304% | 864 |
| Net loans and leases to core deposits | 138.4749% | 989 |
| Total domestic deposits to total assets | 78.4309% | 5,970 |
| Equity capital to assets | 17.3435% | 584 |
| Core capital (leverage) ratio | 17.5106% | 499 |
| Tier 1 risk-based capital ratio | 23.5461% | 1,048 |
| Total risk-based capital ratio | 24.8030% | 1,024 |
| Memoranda: | ||
| Average total assets | $142,140,500 | 4,093 |
| Average earning assets | $136,436,750 | 3,997 |
| Average equity | $26,388,500 | 2,514 |
| Average total loans | $123,395,750 | 3,435 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1208% | 6,350 |
| Cost of funding earning assets | 1.4281% | 6,386 |
| Net interest margin | 3.6927% | 3,978 |
| Noninterest income to average assets | 0.1362% | 7,280 |
| Noninterest expense to average assets | 3.4493% | 2,497 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1477% | 5,422 |
| Return on assets (ROA) | 0.1477% | 5,518 |
| Pretax return on assets | 0.2308% | 5,385 |
| Return on Equity (ROE) | 0.7770% | 5,702 |
| Retained earnings to average equity (ytd only) | 0.7770% | 4,884 |
| Net charge-offs to loans | 0.2266% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.1500% | 4,661 |
| Efficiency ratio | 93.7281% | 1,520 |
| Assets per employee ($millions) | 3.0062% | 6,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 4,078 |
| Loan loss allowance to noncurrent loans | 76.9015% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 2.1186% | 3,035 |
| Noncurrent loans to loans | 1.7343% | 3,909 |
| Net loans and leases to total assets | 84.4909% | 560 |
| Net loans and leases to deposits | 110.5462% | 532 |
| Net loans and leases to core deposits | 156.4523% | 509 |
| Total domestic deposits to total assets | 76.4304% | 6,457 |
| Equity capital to assets | 18.4149% | 514 |
| Core capital (leverage) ratio | 18.7387% | 439 |
| Tier 1 risk-based capital ratio | 24.0852% | 1,026 |
| Total risk-based capital ratio | 25.3388% | 1,004 |
| Memoranda: | ||
| Average total assets | $139,507,670 | 4,181 |
| Average earning assets | $133,884,330 | 4,070 |
| Average equity | $26,510,670 | 2,518 |
| Average total loans | $123,585,000 | 3,460 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2525% | 6,107 |
| Cost of funding earning assets | 1.4768% | 6,475 |
| Net interest margin | 3.7757% | 3,557 |
| Noninterest income to average assets | 0.1284% | 7,375 |
| Noninterest expense to average assets | 3.6466% | 1,762 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0642% | 6,085 |
| Return on assets (ROA) | 0.0642% | 6,242 |
| Pretax return on assets | 0.0992% | 6,169 |
| Return on Equity (ROE) | 0.3323% | 6,328 |
| Retained earnings to average equity (ytd only) | 0.3323% | 5,528 |
| Net charge-offs to loans | 0.0518% | 4,745 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.1250% | 3,664 |
| Efficiency ratio | 97.3520% | 1,248 |
| Assets per employee ($millions) | 2.7321% | 6,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 3,358 |
| Loan loss allowance to noncurrent loans | 94.1052% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 2.0074% | 2,889 |
| Noncurrent loans to loans | 1.5164% | 4,014 |
| Net loans and leases to total assets | 87.8474% | 279 |
| Net loans and leases to deposits | 116.0427% | 384 |
| Net loans and leases to core deposits | 172.3525% | 309 |
| Total domestic deposits to total assets | 75.7026% | 6,575 |
| Equity capital to assets | 19.0123% | 499 |
| Core capital (leverage) ratio | 19.5371% | 419 |
| Tier 1 risk-based capital ratio | 24.0344% | 1,078 |
| Total risk-based capital ratio | 25.2892% | 1,051 |
| Memoranda: | ||
| Average total assets | $137,113,500 | 4,247 |
| Average earning assets | $131,367,000 | 4,124 |
| Average equity | $26,480,000 | 2,529 |
| Average total loans | $123,595,000 | 3,490 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1304% | 4,897 |
| Cost of funding earning assets | 2.1275% | 5,939 |
| Net interest margin | 4.0030% | 3,094 |
| Noninterest income to average assets | 0.1625% | 7,261 |
| Noninterest expense to average assets | 3.6709% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2238% | 5,777 |
| Return on assets (ROA) | 0.2238% | 5,602 |
| Pretax return on assets | 0.3421% | 5,413 |
| Return on Equity (ROE) | 1.1922% | 5,859 |
| Retained earnings to average equity (ytd only) | 1.1922% | 4,517 |
| Net charge-offs to loans | -0.0134% | 7,884 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4742% | 1,413 |
| Assets per employee ($millions) | 2.6449% | 6,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 2,901 |
| Loan loss allowance to noncurrent loans | 310.9565% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 1.1039% | 4,071 |
| Noncurrent loans to loans | 0.4674% | 5,946 |
| Net loans and leases to total assets | 89.8703% | 206 |
| Net loans and leases to deposits | 125.2177% | 281 |
| Net loans and leases to core deposits | 206.9638% | 149 |
| Total domestic deposits to total assets | 71.7713% | 7,039 |
| Equity capital to assets | 19.6225% | 488 |
| Core capital (leverage) ratio | 19.8206% | 450 |
| Tier 1 risk-based capital ratio | 24.4639% | 1,037 |
| Total risk-based capital ratio | 25.7191% | 1,016 |
| Memoranda: | ||
| Average total assets | $140,290,800 | 4,079 |
| Average earning assets | $134,949,400 | 3,955 |
| Average equity | $26,338,600 | 2,525 |
| Average total loans | $119,599,800 | 3,470 |