Home > Ozarks Federal Savings and Loan Association > Performance and Condition Ratios
Ozarks Federal Savings and Loan Association, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6385% | 1,795 |
| Cost of funding earning assets | 2.6359% | 670 |
| Net interest margin | 3.0026% | 3,395 |
| Noninterest income to average assets | 0.2900% | 2,950 |
| Noninterest expense to average assets | 2.4562% | 2,436 |
| Loan and lease loss provision to assets | 0.1200% | 1,082 |
| Net operating income to assets | 0.3481% | 3,803 |
| Return on assets (ROA) | 0.3481% | 3,827 |
| Pretax return on assets | 0.4172% | 3,817 |
| Return on Equity (ROE) | 2.6500% | 3,918 |
| Retained earnings to average equity (ytd only) | 2.6548% | 3,174 |
| 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 | 81.9355% | 818 |
| Assets per employee ($millions) | 5.1858% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 3,549 |
| Loan loss allowance to noncurrent loans | 91.8497% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.8154% | 927 |
| Noncurrent loans to loans | 1.0013% | 1,060 |
| Net loans and leases to total assets | 80.6900% | 529 |
| Net loans and leases to deposits | 110.3952% | 157 |
| Net loans and leases to core deposits | 122.2160% | 492 |
| Total domestic deposits to total assets | 73.0900% | 4,117 |
| Equity capital to assets | 13.1937% | 873 |
| Core capital (leverage) ratio | 13.6551% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6026% | 694 |
| Memoranda: | ||
| Average total assets | $289,548,000 | 2,535 |
| Average earning assets | $260,706,000 | 2,575 |
| Average equity | $37,969,000 | 2,109 |
| Average total loans | $235,344,000 | 2,193 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1002% | 2,917 |
| Cost of funding earning assets | 2.5851% | 993 |
| Net interest margin | 2.5151% | 3,886 |
| Noninterest income to average assets | 0.3400% | 2,807 |
| Noninterest expense to average assets | 2.5363% | 2,200 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.0430% | 4,130 |
| Return on assets (ROA) | 0.0430% | 4,159 |
| Pretax return on assets | 0.0118% | 4,169 |
| Return on Equity (ROE) | 0.3100% | 4,163 |
| Retained earnings to average equity (ytd only) | 0.3137% | 3,836 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 97.4972% | 315 |
| Assets per employee ($millions) | 5.1552% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 3,658 |
| Loan loss allowance to noncurrent loans | 91.5679% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.7887% | 922 |
| Noncurrent loans to loans | 0.9723% | 1,028 |
| Net loans and leases to total assets | 80.4000% | 607 |
| Net loans and leases to deposits | 111.5547% | 156 |
| Net loans and leases to core deposits | 124.0317% | 492 |
| Total domestic deposits to total assets | 72.0700% | 4,145 |
| Equity capital to assets | 13.0322% | 885 |
| Core capital (leverage) ratio | 13.8968% | 810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0601% | 660 |
| Memoranda: | ||
| Average total assets | $271,852,400 | 2,585 |
| Average earning assets | $244,443,200 | 2,624 |
| Average equity | $37,295,800 | 2,082 |
| Average total loans | $219,769,400 | 2,243 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9952% | 3,045 |
| Cost of funding earning assets | 2.5710% | 1,033 |
| Net interest margin | 2.4241% | 3,977 |
| Noninterest income to average assets | 0.3300% | 2,850 |
| Noninterest expense to average assets | 2.5720% | 2,026 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | -0.0184% | 4,243 |
| Return on assets (ROA) | -0.0184% | 4,261 |
| Pretax return on assets | -0.0792% | 4,276 |
| Return on Equity (ROE) | -0.1300% | 4,242 |
| Retained earnings to average equity (ytd only) | -0.1326% | 4,037 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 102.3592% | 244 |
| Assets per employee ($millions) | 4.9095% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 3,727 |
| Loan loss allowance to noncurrent loans | 75.1708% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.9412% | 723 |
| Noncurrent loans to loans | 1.1677% | 852 |
| Net loans and leases to total assets | 79.9000% | 645 |
| Net loans and leases to deposits | 107.2561% | 227 |
| Net loans and leases to core deposits | 119.1780% | 635 |
| Total domestic deposits to total assets | 74.4900% | 4,034 |
| Equity capital to assets | 13.4922% | 838 |
| Core capital (leverage) ratio | 14.3639% | 744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5206% | 637 |
| Memoranda: | ||
| Average total assets | $267,642,500 | 2,603 |
| Average earning assets | $240,520,500 | 2,645 |
| Average equity | $37,214,000 | 2,087 |
| Average total loans | $216,162,250 | 2,253 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 3,061 |
| Cost of funding earning assets | 2.5237% | 1,043 |
| Net interest margin | 2.4130% | 3,983 |
| Noninterest income to average assets | 0.3500% | 2,689 |
| Noninterest expense to average assets | 2.6338% | 1,853 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | -0.0281% | 4,271 |
| Return on assets (ROA) | -0.0281% | 4,300 |
| Pretax return on assets | -0.1146% | 4,318 |
| Return on Equity (ROE) | -0.2000% | 4,271 |
| Retained earnings to average equity (ytd only) | -0.1998% | 3,946 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 104.5482% | 221 |
| Assets per employee ($millions) | 4.8028% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 3,704 |
| Loan loss allowance to noncurrent loans | 90.1068% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8005% | 807 |
| Noncurrent loans to loans | 0.9962% | 935 |
| Net loans and leases to total assets | 79.6400% | 717 |
| Net loans and leases to deposits | 104.0358% | 367 |
| Net loans and leases to core deposits | 115.0649% | 792 |
| Total domestic deposits to total assets | 76.5500% | 3,849 |
| Equity capital to assets | 13.9840% | 679 |
| Core capital (leverage) ratio | 14.7856% | 657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2176% | 582 |
| Memoranda: | ||
| Average total assets | $263,575,333 | 2,622 |
| Average earning assets | $236,717,000 | 2,669 |
| Average equity | $37,033,000 | 2,063 |
| Average total loans | $213,028,000 | 2,262 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8884% | 3,000 |
| Cost of funding earning assets | 2.4724% | 1,036 |
| Net interest margin | 2.4160% | 3,981 |
| Noninterest income to average assets | 0.3400% | 2,684 |
| Noninterest expense to average assets | 2.6510% | 1,819 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0169% | 4,212 |
| Return on assets (ROA) | 0.0169% | 4,247 |
| Pretax return on assets | -0.1457% | 4,334 |
| Return on Equity (ROE) | 0.1200% | 4,244 |
| Retained earnings to average equity (ytd only) | 0.1197% | 3,676 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 105.8140% | 229 |
| Assets per employee ($millions) | 4.5912% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 3,655 |
| Loan loss allowance to noncurrent loans | 87.9819% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.8426% | 703 |
| Noncurrent loans to loans | 1.0369% | 825 |
| Net loans and leases to total assets | 80.5200% | 559 |
| Net loans and leases to deposits | 104.1546% | 333 |
| Net loans and leases to core deposits | 114.5250% | 795 |
| Total domestic deposits to total assets | 77.3000% | 3,875 |
| Equity capital to assets | 14.0741% | 669 |
| Core capital (leverage) ratio | 15.0530% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7624% | 554 |
| Memoranda: | ||
| Average total assets | $260,884,500 | 2,642 |
| Average earning assets | $234,269,500 | 2,687 |
| Average equity | $36,744,000 | 2,069 |
| Average total loans | $211,476,500 | 2,270 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3632% | 3,338 |
| Cost of funding earning assets | 1.6585% | 1,543 |
| Net interest margin | 2.7047% | 3,814 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.7673% | 1,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1156% | 4,239 |
| Return on assets (ROA) | 0.1156% | 4,266 |
| Pretax return on assets | 0.0791% | 4,293 |
| Return on Equity (ROE) | 0.7600% | 4,281 |
| Retained earnings to average equity (ytd only) | 0.7642% | 3,884 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 97.2194% | 231 |
| Assets per employee ($millions) | 4.4839% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 3,637 |
| Loan loss allowance to noncurrent loans | 73.9048% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.0093% | 489 |
| Noncurrent loans to loans | 1.2482% | 565 |
| Net loans and leases to total assets | 80.1200% | 629 |
| Net loans and leases to deposits | 106.5616% | 272 |
| Net loans and leases to core deposits | 116.1690% | 739 |
| Total domestic deposits to total assets | 75.1900% | 4,013 |
| Equity capital to assets | 14.0947% | 668 |
| Core capital (leverage) ratio | 15.1602% | 594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0131% | 539 |
| Memoranda: | ||
| Average total assets | $243,849,400 | 2,718 |
| Average earning assets | $217,731,800 | 2,756 |
| Average equity | $36,899,400 | 1,986 |
| Average total loans | $195,868,600 | 2,312 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2507% | 3,373 |
| Cost of funding earning assets | 1.4541% | 1,723 |
| Net interest margin | 2.7966% | 3,727 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.8001% | 1,437 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1979% | 4,230 |
| Return on assets (ROA) | 0.1979% | 4,248 |
| Pretax return on assets | 0.1618% | 4,291 |
| Return on Equity (ROE) | 1.2800% | 4,283 |
| Retained earnings to average equity (ytd only) | 1.2842% | 3,890 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 94.5373% | 259 |
| Assets per employee ($millions) | 4.4559% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9531% | 3,547 |
| Loan loss allowance to noncurrent loans | 118.4371% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 887 |
| Noncurrent loans to loans | 0.8047% | 1,033 |
| Net loans and leases to total assets | 79.3800% | 722 |
| Net loans and leases to deposits | 104.1722% | 352 |
| Net loans and leases to core deposits | 112.0194% | 794 |
| Total domestic deposits to total assets | 76.2000% | 3,993 |
| Equity capital to assets | 14.2609% | 609 |
| Core capital (leverage) ratio | 15.8941% | 505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3075% | 532 |
| Memoranda: | ||
| Average total assets | $239,794,500 | 2,745 |
| Average earning assets | $213,827,000 | 2,789 |
| Average equity | $36,960,250 | 1,967 |
| Average total loans | $192,260,000 | 2,342 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1853% | 3,325 |
| Cost of funding earning assets | 1.2798% | 1,764 |
| Net interest margin | 2.9055% | 3,636 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.8580% | 1,313 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3089% | 4,140 |
| Return on assets (ROA) | 0.3089% | 4,168 |
| Pretax return on assets | 0.2553% | 4,269 |
| Return on Equity (ROE) | 1.9500% | 4,280 |
| Retained earnings to average equity (ytd only) | 1.9513% | 3,734 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.8010% | 302 |
| Assets per employee ($millions) | 4.2824% | 4,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 3,479 |
| Loan loss allowance to noncurrent loans | 172.2913% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.4695% | 1,148 |
| Noncurrent loans to loans | 0.5736% | 1,303 |
| Net loans and leases to total assets | 81.0500% | 513 |
| Net loans and leases to deposits | 101.3358% | 459 |
| Net loans and leases to core deposits | 108.6485% | 884 |
| Total domestic deposits to total assets | 79.9800% | 3,580 |
| Equity capital to assets | 15.2094% | 504 |
| Core capital (leverage) ratio | 16.3453% | 442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7989% | 498 |
| Memoranda: | ||
| Average total assets | $235,063,000 | 2,784 |
| Average earning assets | $209,256,667 | 2,828 |
| Average equity | $37,206,667 | 1,972 |
| Average total loans | $188,494,333 | 2,365 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0843% | 3,277 |
| Cost of funding earning assets | 1.0675% | 1,841 |
| Net interest margin | 3.0168% | 3,557 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.8949% | 1,243 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3765% | 4,125 |
| Return on assets (ROA) | 0.3765% | 4,075 |
| Pretax return on assets | 0.1908% | 4,347 |
| Return on Equity (ROE) | 2.3300% | 4,261 |
| Retained earnings to average equity (ytd only) | 2.3315% | 3,645 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 93.8162% | 264 |
| Assets per employee ($millions) | 4.2873% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5867% | 4,377 |
| Loan loss allowance to noncurrent loans | 87.6494% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5322% | 974 |
| Noncurrent loans to loans | 0.6693% | 1,127 |
| Net loans and leases to total assets | 79.0500% | 635 |
| Net loans and leases to deposits | 100.4218% | 426 |
| Net loans and leases to core deposits | 106.2186% | 826 |
| Total domestic deposits to total assets | 78.7200% | 3,921 |
| Equity capital to assets | 16.0585% | 408 |
| Core capital (leverage) ratio | 17.2624% | 384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3601% | 480 |
| Memoranda: | ||
| Average total assets | $232,688,000 | 2,830 |
| Average earning assets | $206,840,000 | 2,887 |
| Average equity | $37,573,000 | 1,977 |
| Average total loans | $184,592,500 | 2,412 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5828% | 2,851 |
| Cost of funding earning assets | 0.3503% | 2,470 |
| Net interest margin | 3.2325% | 2,757 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.7654% | 1,399 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 0.4724% | 4,130 |
| Return on assets (ROA) | 0.4724% | 4,096 |
| Pretax return on assets | 0.6240% | 3,989 |
| Return on Equity (ROE) | 3.0000% | 4,294 |
| Retained earnings to average equity (ytd only) | 2.9981% | 3,722 |
| Net charge-offs to loans | -0.0164% | 3,993 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.1046% | 589 |
| Assets per employee ($millions) | 4.1741% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6055% | 4,333 |
| Loan loss allowance to noncurrent loans | 80.3506% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 840 |
| Noncurrent loans to loans | 0.7535% | 994 |
| Net loans and leases to total assets | 78.6600% | 736 |
| Net loans and leases to deposits | 97.1529% | 579 |
| Net loans and leases to core deposits | 100.5328% | 975 |
| Total domestic deposits to total assets | 80.9600% | 3,763 |
| Equity capital to assets | 16.2386% | 375 |
| Core capital (leverage) ratio | 17.3422% | 367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8405% | 379 |
| Memoranda: | ||
| Average total assets | $235,592,000 | 2,815 |
| Average earning assets | $209,251,600 | 2,866 |
| Average equity | $37,123,400 | 2,031 |
| Average total loans | $170,960,600 | 2,446 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4613% | 2,748 |
| Cost of funding earning assets | 0.2723% | 2,464 |
| Net interest margin | 3.1890% | 2,658 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.7538% | 1,339 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 0.4926% | 4,095 |
| Return on assets (ROA) | 0.4926% | 4,043 |
| Pretax return on assets | 0.6484% | 3,900 |
| Return on Equity (ROE) | 3.1500% | 4,279 |
| Retained earnings to average equity (ytd only) | 3.1495% | 3,737 |
| Net charge-offs to loans | -0.0127% | 3,811 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.6167% | 675 |
| Assets per employee ($millions) | 4.2441% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6257% | 4,355 |
| Loan loss allowance to noncurrent loans | 78.8559% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 885 |
| Noncurrent loans to loans | 0.7934% | 1,014 |
| Net loans and leases to total assets | 75.4700% | 967 |
| Net loans and leases to deposits | 93.0085% | 697 |
| Net loans and leases to core deposits | 95.2887% | 1,033 |
| Total domestic deposits to total assets | 81.1400% | 3,954 |
| Equity capital to assets | 16.0549% | 368 |
| Core capital (leverage) ratio | 17.0059% | 370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6206% | 403 |
| Memoranda: | ||
| Average total assets | $237,096,000 | 2,822 |
| Average earning assets | $210,551,750 | 2,877 |
| Average equity | $37,084,250 | 2,061 |
| Average total loans | $168,280,250 | 2,469 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3269% | 2,651 |
| Cost of funding earning assets | 0.2713% | 2,011 |
| Net interest margin | 3.0556% | 2,697 |
| Noninterest income to average assets | 0.6432% | 1,573 |
| Noninterest expense to average assets | 2.6997% | 1,392 |
| Loan and lease loss provision to assets | -0.0417% | 4,495 |
| Net operating income to assets | 0.5256% | 3,830 |
| Return on assets (ROA) | 0.5256% | 3,781 |
| Pretax return on assets | 0.7008% | 3,572 |
| Return on Equity (ROE) | 3.3889% | 4,157 |
| Retained earnings to average equity (ytd only) | 3.3889% | 3,316 |
| Net charge-offs to loans | -0.0192% | 3,854 |
| Credit loss provision to net charge-offs | 312.5000% | 788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3775% | 918 |
| Assets per employee ($millions) | 4.0513% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6390% | 4,424 |
| Loan loss allowance to noncurrent loans | 78.0488% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.5932% | 944 |
| Noncurrent loans to loans | 0.8188% | 1,050 |
| Net loans and leases to total assets | 71.9944% | 1,099 |
| Net loans and leases to deposits | 88.4462% | 806 |
| Net loans and leases to core deposits | 91.0706% | 1,062 |
| Total domestic deposits to total assets | 81.3991% | 4,081 |
| Equity capital to assets | 15.8653% | 344 |
| Core capital (leverage) ratio | 16.6281% | 344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2160% | 315 |
| Memoranda: | ||
| Average total assets | $239,733,667 | 2,832 |
| Average earning assets | $213,054,333 | 2,893 |
| Average equity | $37,180,667 | 2,103 |
| Average total loans | $166,354,667 | 2,498 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2214% | 2,621 |
| Cost of funding earning assets | 0.2995% | 1,666 |
| Net interest margin | 2.9220% | 2,761 |
| Noninterest income to average assets | 0.4989% | 2,142 |
| Noninterest expense to average assets | 2.7161% | 1,321 |
| Loan and lease loss provision to assets | -0.0826% | 4,570 |
| Net operating income to assets | 0.3453% | 4,066 |
| Return on assets (ROA) | 0.3453% | 4,029 |
| Pretax return on assets | 0.4609% | 3,932 |
| Return on Equity (ROE) | 2.2515% | 4,224 |
| Retained earnings to average equity (ytd only) | 2.2515% | 3,479 |
| Net charge-offs to loans | -0.0389% | 4,176 |
| Credit loss provision to net charge-offs | 312.5000% | 653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7736% | 648 |
| Assets per employee ($millions) | 4.1394% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6635% | 4,442 |
| Loan loss allowance to noncurrent loans | 80.7721% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 1,072 |
| Noncurrent loans to loans | 0.8215% | 1,150 |
| Net loans and leases to total assets | 67.8446% | 1,231 |
| Net loans and leases to deposits | 84.1469% | 874 |
| Net loans and leases to core deposits | 86.4955% | 1,104 |
| Total domestic deposits to total assets | 80.6264% | 4,233 |
| Equity capital to assets | 15.3834% | 357 |
| Core capital (leverage) ratio | 16.1027% | 337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4163% | 361 |
| Memoranda: | ||
| Average total assets | $242,111,500 | 2,831 |
| Average earning assets | $215,060,000 | 2,896 |
| Average equity | $37,131,000 | 2,169 |
| Average total loans | $164,402,500 | 2,515 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2323% | 3,396 |
| Cost of funding earning assets | 0.5827% | 593 |
| Net interest margin | 2.6496% | 3,961 |
| Noninterest income to average assets | 0.6300% | 2,026 |
| Noninterest expense to average assets | 2.5904% | 1,897 |
| Loan and lease loss provision to assets | -0.0555% | 4,380 |
| Net operating income to assets | 0.3791% | 4,308 |
| Return on assets (ROA) | 0.3791% | 4,337 |
| Pretax return on assets | 0.4841% | 4,279 |
| Return on Equity (ROE) | 2.6314% | 4,427 |
| Retained earnings to average equity (ytd only) | 2.6314% | 3,787 |
| Net charge-offs to loans | -0.0041% | 3,506 |
| Credit loss provision to net charge-offs | 2,000.0000% | 311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8025% | 485 |
| Assets per employee ($millions) | 4.2831% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6807% | 4,455 |
| Loan loss allowance to noncurrent loans | 76.4305% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 1,056 |
| Noncurrent loans to loans | 0.8906% | 1,140 |
| Net loans and leases to total assets | 67.0565% | 1,367 |
| Net loans and leases to deposits | 83.5461% | 942 |
| Net loans and leases to core deposits | 86.0396% | 1,198 |
| Total domestic deposits to total assets | 80.2629% | 4,198 |
| Equity capital to assets | 15.2901% | 458 |
| Core capital (leverage) ratio | 15.6517% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3795% | 379 |
| Memoranda: | ||
| Average total assets | $252,203,600 | 2,709 |
| Average earning assets | $227,390,000 | 2,763 |
| Average equity | $36,330,800 | 2,231 |
| Average total loans | $172,340,800 | 2,442 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2626% | 3,477 |
| Cost of funding earning assets | 0.6453% | 506 |
| Net interest margin | 2.6172% | 4,108 |
| Noninterest income to average assets | 0.6666% | 1,947 |
| Noninterest expense to average assets | 2.5662% | 1,939 |
| Loan and lease loss provision to assets | -0.0736% | 4,532 |
| Net operating income to assets | 0.4227% | 4,336 |
| Return on assets (ROA) | 0.4227% | 4,368 |
| Pretax return on assets | 0.5371% | 4,318 |
| Return on Equity (ROE) | 2.9784% | 4,467 |
| Retained earnings to average equity (ytd only) | 2.9784% | 3,917 |
| Net charge-offs to loans | -0.0077% | 3,576 |
| Credit loss provision to net charge-offs | 1,400.0000% | 423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6979% | 487 |
| Assets per employee ($millions) | 4.3711% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6809% | 4,530 |
| Loan loss allowance to noncurrent loans | 69.4444% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 1,159 |
| Noncurrent loans to loans | 0.9805% | 1,176 |
| Net loans and leases to total assets | 65.8590% | 1,567 |
| Net loans and leases to deposits | 81.7219% | 1,131 |
| Net loans and leases to core deposits | 84.3192% | 1,400 |
| Total domestic deposits to total assets | 80.5892% | 4,152 |
| Equity capital to assets | 14.9702% | 547 |
| Core capital (leverage) ratio | 15.4033% | 442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2496% | 412 |
| Memoranda: | ||
| Average total assets | $254,219,750 | 2,721 |
| Average earning assets | $229,548,750 | 2,771 |
| Average equity | $36,081,250 | 2,272 |
| Average total loans | $174,217,750 | 2,471 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3153% | 3,384 |
| Cost of funding earning assets | 0.7066% | 454 |
| Net interest margin | 2.6087% | 4,151 |
| Noninterest income to average assets | 0.6784% | 1,895 |
| Noninterest expense to average assets | 2.5962% | 1,868 |
| Loan and lease loss provision to assets | -0.1094% | 4,644 |
| Net operating income to assets | 0.4142% | 4,361 |
| Return on assets (ROA) | 0.4142% | 4,400 |
| Pretax return on assets | 0.5518% | 4,309 |
| Return on Equity (ROE) | 2.9712% | 4,479 |
| Retained earnings to average equity (ytd only) | 2.9712% | 3,847 |
| Net charge-offs to loans | -0.0248% | 4,076 |
| Credit loss provision to net charge-offs | 636.3636% | 600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4424% | 498 |
| Assets per employee ($millions) | 4.4198% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6719% | 4,577 |
| Loan loss allowance to noncurrent loans | 66.9217% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 1,224 |
| Noncurrent loans to loans | 1.0041% | 1,226 |
| Net loans and leases to total assets | 66.7147% | 1,609 |
| Net loans and leases to deposits | 82.4859% | 1,175 |
| Net loans and leases to core deposits | 85.5727% | 1,449 |
| Total domestic deposits to total assets | 80.8801% | 4,104 |
| Equity capital to assets | 14.9970% | 527 |
| Core capital (leverage) ratio | 15.0289% | 468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0131% | 427 |
| Memoranda: | ||
| Average total assets | $255,908,000 | 2,706 |
| Average earning assets | $231,530,333 | 2,751 |
| Average equity | $35,675,333 | 2,283 |
| Average total loans | $177,218,333 | 2,456 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3103% | 3,423 |
| Cost of funding earning assets | 0.7673% | 417 |
| Net interest margin | 2.5430% | 4,240 |
| Noninterest income to average assets | 0.7957% | 1,592 |
| Noninterest expense to average assets | 2.6507% | 1,738 |
| Loan and lease loss provision to assets | -0.2171% | 4,823 |
| Net operating income to assets | 0.5025% | 4,173 |
| Return on assets (ROA) | 0.5025% | 4,210 |
| Pretax return on assets | 0.6700% | 4,080 |
| Return on Equity (ROE) | 3.7433% | 4,335 |
| Retained earnings to average equity (ytd only) | 3.7433% | 3,579 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4073% | 534 |
| Assets per employee ($millions) | 4.3694% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6306% | 4,651 |
| Loan loss allowance to noncurrent loans | 58.2854% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 1,244 |
| Noncurrent loans to loans | 1.0820% | 1,231 |
| Net loans and leases to total assets | 68.1505% | 1,512 |
| Net loans and leases to deposits | 84.2545% | 1,120 |
| Net loans and leases to core deposits | 88.3975% | 1,335 |
| Total domestic deposits to total assets | 80.8865% | 4,079 |
| Equity capital to assets | 13.4746% | 791 |
| Core capital (leverage) ratio | 14.7470% | 521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8879% | 415 |
| Memoranda: | ||
| Average total assets | $257,896,500 | 2,681 |
| Average earning assets | $234,056,500 | 2,712 |
| Average equity | $34,622,000 | 2,326 |
| Average total loans | $181,221,500 | 2,432 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7936% | 3,323 |
| Cost of funding earning assets | 1.1680% | 314 |
| Net interest margin | 2.6255% | 4,465 |
| Noninterest income to average assets | 0.5055% | 2,608 |
| Noninterest expense to average assets | 2.4825% | 2,900 |
| Loan and lease loss provision to assets | 0.0058% | 4,281 |
| Net operating income to assets | 0.3171% | 4,408 |
| Return on assets (ROA) | 0.3171% | 4,476 |
| Pretax return on assets | 0.4063% | 4,409 |
| Return on Equity (ROE) | 2.3680% | 4,513 |
| Retained earnings to average equity (ytd only) | 2.3680% | 3,679 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7638% | 540 |
| Assets per employee ($millions) | 4.5262% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6760% | 4,627 |
| Loan loss allowance to noncurrent loans | 64.9586% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.7488% | 1,374 |
| Noncurrent loans to loans | 1.0407% | 1,365 |
| Net loans and leases to total assets | 71.4674% | 1,372 |
| Net loans and leases to deposits | 89.4529% | 964 |
| Net loans and leases to core deposits | 95.1212% | 1,175 |
| Total domestic deposits to total assets | 79.8939% | 4,059 |
| Equity capital to assets | 13.3750% | 974 |
| Core capital (leverage) ratio | 14.3883% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1290% | 430 |
| Memoranda: | ||
| Average total assets | $258,932,000 | 2,520 |
| Average earning assets | $235,610,400 | 2,551 |
| Average equity | $34,670,400 | 2,244 |
| Average total loans | $198,154,000 | 2,250 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 3,304 |
| Cost of funding earning assets | 1.2377% | 319 |
| Net interest margin | 2.6474% | 4,529 |
| Noninterest income to average assets | 0.4522% | 2,838 |
| Noninterest expense to average assets | 2.4555% | 2,978 |
| Loan and lease loss provision to assets | 0.0077% | 4,199 |
| Net operating income to assets | 0.3076% | 4,435 |
| Return on assets (ROA) | 0.3076% | 4,485 |
| Pretax return on assets | 0.3966% | 4,435 |
| Return on Equity (ROE) | 2.2970% | 4,510 |
| Retained earnings to average equity (ytd only) | 2.2970% | 3,826 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8608% | 507 |
| Assets per employee ($millions) | 4.6492% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 4,663 |
| Loan loss allowance to noncurrent loans | 77.4691% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 1,898 |
| Noncurrent loans to loans | 0.8417% | 1,747 |
| Net loans and leases to total assets | 72.1506% | 1,640 |
| Net loans and leases to deposits | 89.7249% | 1,296 |
| Net loans and leases to core deposits | 95.5647% | 1,497 |
| Total domestic deposits to total assets | 80.4131% | 3,778 |
| Equity capital to assets | 12.9221% | 1,218 |
| Core capital (leverage) ratio | 14.0480% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1910% | 504 |
| Memoranda: | ||
| Average total assets | $259,166,000 | 2,506 |
| Average earning assets | $235,701,000 | 2,536 |
| Average equity | $34,711,250 | 2,238 |
| Average total loans | $201,283,000 | 2,220 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 3,434 |
| Cost of funding earning assets | 1.2961% | 365 |
| Net interest margin | 2.6632% | 4,595 |
| Noninterest income to average assets | 0.4113% | 3,012 |
| Noninterest expense to average assets | 2.4640% | 3,060 |
| Loan and lease loss provision to assets | 0.0117% | 4,073 |
| Net operating income to assets | 0.2799% | 4,455 |
| Return on assets (ROA) | 0.2799% | 4,497 |
| Pretax return on assets | 0.3530% | 4,465 |
| Return on Equity (ROE) | 2.0650% | 4,524 |
| Retained earnings to average equity (ytd only) | 2.0650% | 3,728 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1083% | 494 |
| Assets per employee ($millions) | 4.8846% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6283% | 4,703 |
| Loan loss allowance to noncurrent loans | 77.4691% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 1,994 |
| Noncurrent loans to loans | 0.8110% | 1,872 |
| Net loans and leases to total assets | 73.8857% | 1,427 |
| Net loans and leases to deposits | 91.4720% | 1,218 |
| Net loans and leases to core deposits | 97.2848% | 1,475 |
| Total domestic deposits to total assets | 80.7742% | 3,665 |
| Equity capital to assets | 12.6568% | 1,309 |
| Core capital (leverage) ratio | 14.0408% | 738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6175% | 533 |
| Memoranda: | ||
| Average total assets | $257,220,000 | 2,494 |
| Average earning assets | $233,478,000 | 2,530 |
| Average equity | $34,867,000 | 2,210 |
| Average total loans | $204,225,000 | 2,185 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 3,585 |
| Cost of funding earning assets | 1.3502% | 486 |
| Net interest margin | 2.7268% | 4,641 |
| Noninterest income to average assets | 0.3992% | 3,114 |
| Noninterest expense to average assets | 2.4811% | 3,331 |
| Loan and lease loss provision to assets | 0.0239% | 3,503 |
| Net operating income to assets | 0.2688% | 4,413 |
| Return on assets (ROA) | 0.2688% | 4,439 |
| Pretax return on assets | 0.3578% | 4,367 |
| Return on Equity (ROE) | 1.9151% | 4,462 |
| Retained earnings to average equity (ytd only) | 1.9151% | 3,476 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6667% | 658 |
| Assets per employee ($millions) | 4.4775% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6052% | 4,747 |
| Loan loss allowance to noncurrent loans | 68.5044% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 1,851 |
| Noncurrent loans to loans | 0.8834% | 1,848 |
| Net loans and leases to total assets | 80.7660% | 598 |
| Net loans and leases to deposits | 98.8367% | 636 |
| Net loans and leases to core deposits | 105.4035% | 1,094 |
| Total domestic deposits to total assets | 81.7166% | 3,490 |
| Equity capital to assets | 13.9012% | 1,094 |
| Core capital (leverage) ratio | 14.7419% | 730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7872% | 665 |
| Memoranda: | ||
| Average total assets | $251,503,000 | 2,483 |
| Average earning assets | $227,225,500 | 2,516 |
| Average equity | $35,299,000 | 2,183 |
| Average total loans | $206,461,500 | 2,136 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 3,966 |
| Cost of funding earning assets | 1.3068% | 756 |
| Net interest margin | 2.8257% | 4,739 |
| Noninterest income to average assets | 0.4241% | 3,148 |
| Noninterest expense to average assets | 2.4102% | 3,663 |
| Loan and lease loss provision to assets | 0.0241% | 3,537 |
| Net operating income to assets | 0.4458% | 4,511 |
| Return on assets (ROA) | 0.4458% | 4,544 |
| Pretax return on assets | 0.5529% | 4,487 |
| Return on Equity (ROE) | 3.2027% | 4,628 |
| Retained earnings to average equity (ytd only) | 3.2027% | 3,420 |
| Net charge-offs to loans | 0.0063% | 3,450 |
| Credit loss provision to net charge-offs | 461.5385% | 628 |
| Earnings coverage of net charge-offs (x) | 110.3077% | 629 |
| Efficiency ratio | 80.6843% | 884 |
| Assets per employee ($millions) | 4.3472% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6033% | 4,733 |
| Loan loss allowance to noncurrent loans | 63.5572% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 0.8180% | 1,580 |
| Noncurrent loans to loans | 0.9492% | 1,615 |
| Net loans and leases to total assets | 82.4489% | 499 |
| Net loans and leases to deposits | 100.4948% | 571 |
| Net loans and leases to core deposits | 106.5950% | 1,074 |
| Total domestic deposits to total assets | 82.0429% | 3,502 |
| Equity capital to assets | 14.1732% | 1,037 |
| Core capital (leverage) ratio | 14.9032% | 710 |
| Tier 1 risk-based capital ratio | 21.1954% | 1,132 |
| Total risk-based capital ratio | 21.9712% | 1,180 |
| Memoranda: | ||
| Average total assets | $248,526,000 | 2,473 |
| Average earning assets | $225,433,600 | 2,494 |
| Average equity | $34,596,000 | 2,164 |
| Average total loans | $205,170,400 | 2,129 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1241% | 4,102 |
| Cost of funding earning assets | 1.2851% | 820 |
| Net interest margin | 2.8390% | 4,822 |
| Noninterest income to average assets | 0.4482% | 3,030 |
| Noninterest expense to average assets | 2.4011% | 3,681 |
| Loan and lease loss provision to assets | 0.0241% | 3,414 |
| Net operating income to assets | 0.4916% | 4,534 |
| Return on assets (ROA) | 0.4916% | 4,584 |
| Pretax return on assets | 0.5999% | 4,545 |
| Return on Equity (ROE) | 3.5475% | 4,665 |
| Retained earnings to average equity (ytd only) | 3.5475% | 3,629 |
| Net charge-offs to loans | 0.0085% | 3,065 |
| Credit loss provision to net charge-offs | 346.1538% | 867 |
| Earnings coverage of net charge-offs (x) | 89.5534% | 804 |
| Efficiency ratio | 79.3727% | 974 |
| Assets per employee ($millions) | 4.4094% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5987% | 4,826 |
| Loan loss allowance to noncurrent loans | 90.8754% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 2,309 |
| Noncurrent loans to loans | 0.6588% | 2,311 |
| Net loans and leases to total assets | 80.9180% | 716 |
| Net loans and leases to deposits | 100.7730% | 580 |
| Net loans and leases to core deposits | 106.5728% | 1,141 |
| Total domestic deposits to total assets | 80.2973% | 3,924 |
| Equity capital to assets | 13.8961% | 1,195 |
| Core capital (leverage) ratio | 14.8261% | 778 |
| Tier 1 risk-based capital ratio | 21.1039% | 1,182 |
| Total risk-based capital ratio | 21.8741% | 1,227 |
| Memoranda: | ||
| Average total assets | $248,709,750 | 2,488 |
| Average earning assets | $225,754,500 | 2,519 |
| Average equity | $34,465,000 | 2,181 |
| Average total loans | $205,077,750 | 2,145 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 4,108 |
| Cost of funding earning assets | 1.2494% | 868 |
| Net interest margin | 2.8725% | 4,850 |
| Noninterest income to average assets | 0.4342% | 3,042 |
| Noninterest expense to average assets | 2.4339% | 3,646 |
| Loan and lease loss provision to assets | 0.0242% | 3,322 |
| Net operating income to assets | 0.4398% | 4,657 |
| Return on assets (ROA) | 0.4398% | 4,683 |
| Pretax return on assets | 0.5867% | 4,569 |
| Return on Equity (ROE) | 3.1768% | 4,759 |
| Retained earnings to average equity (ytd only) | 3.1768% | 3,636 |
| Net charge-offs to loans | 0.0127% | 2,683 |
| Credit loss provision to net charge-offs | 230.7692% | 1,086 |
| Earnings coverage of net charge-offs (x) | 58.2308% | 998 |
| Efficiency ratio | 79.9364% | 970 |
| Assets per employee ($millions) | 4.2040% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5855% | 4,900 |
| Loan loss allowance to noncurrent loans | 78.9817% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 2,103 |
| Noncurrent loans to loans | 0.7414% | 2,135 |
| Net loans and leases to total assets | 82.8246% | 498 |
| Net loans and leases to deposits | 102.2502% | 522 |
| Net loans and leases to core deposits | 108.2816% | 1,080 |
| Total domestic deposits to total assets | 81.0019% | 3,814 |
| Equity capital to assets | 13.8642% | 1,177 |
| Core capital (leverage) ratio | 14.8268% | 746 |
| Tier 1 risk-based capital ratio | 20.9129% | 1,189 |
| Total risk-based capital ratio | 21.6713% | 1,239 |
| Memoranda: | ||
| Average total assets | $247,834,330 | 2,504 |
| Average earning assets | $225,235,670 | 2,537 |
| Average equity | $34,311,330 | 2,176 |
| Average total loans | $205,236,670 | 2,152 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0717% | 4,205 |
| Cost of funding earning assets | 1.2098% | 880 |
| Net interest margin | 2.8619% | 4,923 |
| Noninterest income to average assets | 0.3262% | 3,670 |
| Noninterest expense to average assets | 2.3864% | 3,803 |
| Loan and lease loss provision to assets | 0.0242% | 3,114 |
| Net operating income to assets | 0.3875% | 4,757 |
| Return on assets (ROA) | 0.3875% | 4,769 |
| Pretax return on assets | 0.5167% | 4,646 |
| Return on Equity (ROE) | 2.8010% | 4,833 |
| Retained earnings to average equity (ytd only) | 2.8010% | 3,819 |
| Net charge-offs to loans | 0.0254% | 1,943 |
| Credit loss provision to net charge-offs | 115.3846% | 1,450 |
| Earnings coverage of net charge-offs (x) | 25.7692% | 1,416 |
| Efficiency ratio | 81.5223% | 920 |
| Assets per employee ($millions) | 4.4203% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5809% | 4,969 |
| Loan loss allowance to noncurrent loans | 64.0064% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 0.8338% | 1,701 |
| Noncurrent loans to loans | 0.9075% | 1,843 |
| Net loans and leases to total assets | 82.6274% | 513 |
| Net loans and leases to deposits | 100.9596% | 557 |
| Net loans and leases to core deposits | 108.0157% | 1,051 |
| Total domestic deposits to total assets | 81.8421% | 3,766 |
| Equity capital to assets | 13.9052% | 1,075 |
| Core capital (leverage) ratio | 14.5112% | 814 |
| Tier 1 risk-based capital ratio | 20.7954% | 1,202 |
| Total risk-based capital ratio | 21.5490% | 1,253 |
| Memoranda: | ||
| Average total assets | $247,734,000 | 2,528 |
| Average earning assets | $225,162,500 | 2,556 |
| Average equity | $34,273,000 | 2,175 |
| Average total loans | $204,533,000 | 2,180 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8892% | 4,298 |
| Cost of funding earning assets | 0.9554% | 907 |
| Net interest margin | 2.9338% | 4,873 |
| Noninterest income to average assets | 0.4011% | 3,434 |
| Noninterest expense to average assets | 2.3535% | 3,986 |
| Loan and lease loss provision to assets | 0.0205% | 3,749 |
| Net operating income to assets | 0.5375% | 4,577 |
| Return on assets (ROA) | 0.5375% | 4,574 |
| Pretax return on assets | 0.6891% | 4,438 |
| Return on Equity (ROE) | 3.9458% | 4,724 |
| Retained earnings to average equity (ytd only) | 3.9458% | 3,403 |
| Net charge-offs to loans | 0.0312% | 2,773 |
| Credit loss provision to net charge-offs | 81.9672% | 2,838 |
| Earnings coverage of net charge-offs (x) | 28.3934% | 1,651 |
| Efficiency ratio | 76.8356% | 1,250 |
| Assets per employee ($millions) | 4.6780% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5867% | 4,996 |
| Loan loss allowance to noncurrent loans | 58.6818% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 0.8676% | 1,608 |
| Noncurrent loans to loans | 0.9998% | 1,624 |
| Net loans and leases to total assets | 81.5326% | 724 |
| Net loans and leases to deposits | 101.2639% | 644 |
| Net loans and leases to core deposits | 108.5341% | 1,086 |
| Total domestic deposits to total assets | 80.5150% | 3,994 |
| Equity capital to assets | 13.7641% | 1,043 |
| Core capital (leverage) ratio | 14.4427% | 815 |
| Tier 1 risk-based capital ratio | 20.1804% | 1,275 |
| Total risk-based capital ratio | 20.9110% | 1,339 |
| Memoranda: | ||
| Average total assets | $244,104,000 | 2,514 |
| Average earning assets | $221,487,800 | 2,551 |
| Average equity | $33,250,400 | 2,141 |
| Average total loans | $195,512,600 | 2,206 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8341% | 4,364 |
| Cost of funding earning assets | 0.9034% | 908 |
| Net interest margin | 2.9308% | 4,932 |
| Noninterest income to average assets | 0.4184% | 3,367 |
| Noninterest expense to average assets | 2.3842% | 3,888 |
| Loan and lease loss provision to assets | 0.0110% | 3,780 |
| Net operating income to assets | 0.5385% | 4,672 |
| Return on assets (ROA) | 0.5385% | 4,680 |
| Pretax return on assets | 0.6811% | 4,574 |
| Return on Equity (ROE) | 3.9638% | 4,824 |
| Retained earnings to average equity (ytd only) | 3.9638% | 3,792 |
| Net charge-offs to loans | 0.0055% | 3,238 |
| Credit loss provision to net charge-offs | 250.0000% | 1,176 |
| Earnings coverage of net charge-offs (x) | 157.6963% | 518 |
| Efficiency ratio | 77.5045% | 1,174 |
| Assets per employee ($millions) | 4.5066% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6097% | 5,027 |
| Loan loss allowance to noncurrent loans | 53.1673% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 0.9860% | 1,478 |
| Noncurrent loans to loans | 1.1467% | 1,480 |
| Net loans and leases to total assets | 80.0437% | 1,013 |
| Net loans and leases to deposits | 99.9506% | 787 |
| Net loans and leases to core deposits | 106.6581% | 1,257 |
| Total domestic deposits to total assets | 80.0833% | 4,101 |
| Equity capital to assets | 13.5959% | 1,105 |
| Core capital (leverage) ratio | 14.4981% | 823 |
| Tier 1 risk-based capital ratio | 20.6119% | 1,232 |
| Total risk-based capital ratio | 21.3744% | 1,280 |
| Memoranda: | ||
| Average total assets | $243,146,500 | 2,528 |
| Average earning assets | $220,506,500 | 2,572 |
| Average equity | $33,031,500 | 2,161 |
| Average total loans | $193,555,750 | 2,230 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 4,316 |
| Cost of funding earning assets | 0.8642% | 857 |
| Net interest margin | 2.9473% | 4,950 |
| Noninterest income to average assets | 0.4454% | 3,185 |
| Noninterest expense to average assets | 2.3761% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5919% | 4,517 |
| Return on assets (ROA) | 0.5919% | 4,520 |
| Pretax return on assets | 0.7459% | 4,402 |
| Return on Equity (ROE) | 4.3586% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.3586% | 3,418 |
| Net charge-offs to loans | 0.0261% | 2,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 36.0400% | 1,370 |
| Efficiency ratio | 76.1071% | 1,412 |
| Assets per employee ($millions) | 4.3766% | 3,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6079% | 5,090 |
| Loan loss allowance to noncurrent loans | 38.4791% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 1.3587% | 1,030 |
| Noncurrent loans to loans | 1.5798% | 1,033 |
| Net loans and leases to total assets | 78.6547% | 1,219 |
| Net loans and leases to deposits | 95.8507% | 1,157 |
| Net loans and leases to core deposits | 101.7454% | 1,578 |
| Total domestic deposits to total assets | 82.0596% | 3,701 |
| Equity capital to assets | 13.6587% | 1,049 |
| Core capital (leverage) ratio | 14.4788% | 786 |
| Tier 1 risk-based capital ratio | 20.4395% | 1,254 |
| Total risk-based capital ratio | 21.1752% | 1,305 |
| Memoranda: | ||
| Average total assets | $241,574,670 | 2,552 |
| Average earning assets | $219,387,000 | 2,588 |
| Average equity | $32,809,000 | 2,178 |
| Average total loans | $191,536,000 | 2,251 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7862% | 4,258 |
| Cost of funding earning assets | 0.8193% | 874 |
| Net interest margin | 2.9669% | 4,922 |
| Noninterest income to average assets | 0.5821% | 2,349 |
| Noninterest expense to average assets | 2.3935% | 3,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7272% | 3,992 |
| Return on assets (ROA) | 0.7272% | 4,003 |
| Pretax return on assets | 0.8823% | 3,903 |
| Return on Equity (ROE) | 5.3702% | 4,365 |
| Retained earnings to average equity (ytd only) | 5.3702% | 3,005 |
| Net charge-offs to loans | 0.0042% | 2,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 264.5000% | 257 |
| Efficiency ratio | 73.0652% | 2,033 |
| Assets per employee ($millions) | 4.3867% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6280% | 5,137 |
| Loan loss allowance to noncurrent loans | 58.6628% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 0.8973% | 1,771 |
| Noncurrent loans to loans | 1.0705% | 1,711 |
| Net loans and leases to total assets | 78.8377% | 1,107 |
| Net loans and leases to deposits | 96.1998% | 1,016 |
| Net loans and leases to core deposits | 100.5849% | 1,642 |
| Total domestic deposits to total assets | 81.9521% | 3,980 |
| Equity capital to assets | 13.5260% | 1,039 |
| Core capital (leverage) ratio | 14.6630% | 723 |
| Tier 1 risk-based capital ratio | 20.7559% | 1,237 |
| Total risk-based capital ratio | 21.5215% | 1,274 |
| Memoranda: | ||
| Average total assets | $239,817,500 | 2,587 |
| Average earning assets | $217,735,500 | 2,632 |
| Average equity | $32,475,500 | 2,208 |
| Average total loans | $190,327,500 | 2,271 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7558% | 4,202 |
| Cost of funding earning assets | 0.7043% | 998 |
| Net interest margin | 3.0515% | 4,785 |
| Noninterest income to average assets | 0.3934% | 3,682 |
| Noninterest expense to average assets | 2.5515% | 3,601 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4903% | 4,396 |
| Return on assets (ROA) | 0.4903% | 4,432 |
| Pretax return on assets | 0.6084% | 4,725 |
| Return on Equity (ROE) | 3.5997% | 4,648 |
| Retained earnings to average equity (ytd only) | 3.5997% | 3,106 |
| Net charge-offs to loans | 0.0620% | 2,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 12.4956% | 2,468 |
| Efficiency ratio | 80.7472% | 1,036 |
| Assets per employee ($millions) | 4.4975% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6362% | 5,179 |
| Loan loss allowance to noncurrent loans | 55.8960% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 0.9406% | 1,653 |
| Noncurrent loans to loans | 1.1382% | 1,558 |
| Net loans and leases to total assets | 78.8863% | 1,141 |
| Net loans and leases to deposits | 97.4527% | 946 |
| Net loans and leases to core deposits | 101.3141% | 1,603 |
| Total domestic deposits to total assets | 80.9482% | 4,127 |
| Equity capital to assets | 13.5577% | 1,040 |
| Core capital (leverage) ratio | 14.4571% | 740 |
| Tier 1 risk-based capital ratio | 20.5748% | 1,214 |
| Total risk-based capital ratio | 21.3403% | 1,259 |
| Memoranda: | ||
| Average total assets | $232,096,000 | 2,627 |
| Average earning assets | $210,423,000 | 2,660 |
| Average equity | $31,613,400 | 2,244 |
| Average total loans | $182,219,000 | 2,302 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7442% | 4,200 |
| Cost of funding earning assets | 0.6674% | 1,135 |
| Net interest margin | 3.0768% | 4,763 |
| Noninterest income to average assets | 0.4130% | 3,604 |
| Noninterest expense to average assets | 2.5587% | 3,541 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4372% | 4,908 |
| Return on assets (ROA) | 0.4372% | 4,939 |
| Pretax return on assets | 0.6431% | 4,751 |
| Return on Equity (ROE) | 3.2063% | 5,062 |
| Retained earnings to average equity (ytd only) | 3.2063% | 4,013 |
| Net charge-offs to loans | 0.0709% | 2,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 11.5830% | 2,494 |
| Efficiency ratio | 79.9133% | 1,117 |
| Assets per employee ($millions) | 4.6058% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6599% | 5,223 |
| Loan loss allowance to noncurrent loans | 77.3764% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 0.7495% | 2,258 |
| Noncurrent loans to loans | 0.8528% | 2,234 |
| Net loans and leases to total assets | 76.7494% | 1,460 |
| Net loans and leases to deposits | 93.5721% | 1,343 |
| Net loans and leases to core deposits | 97.4799% | 1,929 |
| Total domestic deposits to total assets | 82.0216% | 3,774 |
| Equity capital to assets | 13.3683% | 1,220 |
| Core capital (leverage) ratio | 14.5657% | 752 |
| Tier 1 risk-based capital ratio | 19.3993% | 1,501 |
| Total risk-based capital ratio | 20.1399% | 1,578 |
| Memoranda: | ||
| Average total assets | $230,528,500 | 2,658 |
| Average earning assets | $208,956,500 | 2,692 |
| Average equity | $31,437,500 | 2,270 |
| Average total loans | $180,463,250 | 2,329 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7470% | 4,089 |
| Cost of funding earning assets | 0.6326% | 1,246 |
| Net interest margin | 3.1144% | 4,641 |
| Noninterest income to average assets | 0.4105% | 3,621 |
| Noninterest expense to average assets | 2.5648% | 3,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4535% | 4,847 |
| Return on assets (ROA) | 0.4535% | 4,871 |
| Pretax return on assets | 0.6671% | 4,641 |
| Return on Equity (ROE) | 3.3030% | 5,037 |
| Retained earnings to average equity (ytd only) | 3.3030% | 3,750 |
| Net charge-offs to loans | 0.1162% | 1,473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 7.2981% | 2,620 |
| Efficiency ratio | 79.3582% | 1,286 |
| Assets per employee ($millions) | 4.3979% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6604% | 5,282 |
| Loan loss allowance to noncurrent loans | 74.4629% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 0.7941% | 2,220 |
| Noncurrent loans to loans | 0.8869% | 2,201 |
| Net loans and leases to total assets | 78.2830% | 1,202 |
| Net loans and leases to deposits | 99.2440% | 795 |
| Net loans and leases to core deposits | 103.3052% | 1,412 |
| Total domestic deposits to total assets | 78.8793% | 4,643 |
| Equity capital to assets | 13.6454% | 1,089 |
| Core capital (leverage) ratio | 14.7229% | 692 |
| Tier 1 risk-based capital ratio | 19.2968% | 1,519 |
| Total risk-based capital ratio | 20.0307% | 1,602 |
| Memoranda: | ||
| Average total assets | $227,538,330 | 2,703 |
| Average earning assets | $206,137,000 | 2,742 |
| Average equity | $31,244,330 | 2,272 |
| Average total loans | $178,939,330 | 2,352 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7364% | 3,986 |
| Cost of funding earning assets | 0.5946% | 1,412 |
| Net interest margin | 3.1418% | 4,526 |
| Noninterest income to average assets | 0.4182% | 3,535 |
| Noninterest expense to average assets | 2.6036% | 3,488 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4520% | 4,769 |
| Return on assets (ROA) | 0.4520% | 4,789 |
| Pretax return on assets | 0.6638% | 4,551 |
| Return on Equity (ROE) | 3.2813% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.2813% | 3,793 |
| Net charge-offs to loans | 0.1994% | 862 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.2386% | 2,404 |
| Efficiency ratio | 79.6841% | 1,418 |
| Assets per employee ($millions) | 4.3700% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6869% | 5,333 |
| Loan loss allowance to noncurrent loans | 58.4681% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 0.9351% | 1,969 |
| Noncurrent loans to loans | 1.1748% | 1,731 |
| Net loans and leases to total assets | 78.1974% | 1,105 |
| Net loans and leases to deposits | 99.9505% | 621 |
| Net loans and leases to core deposits | 103.6642% | 1,241 |
| Total domestic deposits to total assets | 78.2361% | 4,939 |
| Equity capital to assets | 13.6887% | 1,010 |
| Core capital (leverage) ratio | 15.0063% | 601 |
| Tier 1 risk-based capital ratio | 19.6398% | 1,469 |
| Total risk-based capital ratio | 20.4008% | 1,541 |
| Memoranda: | ||
| Average total assets | $224,763,000 | 2,751 |
| Average earning assets | $203,832,000 | 2,791 |
| Average equity | $30,963,500 | 2,298 |
| Average total loans | $176,568,000 | 2,389 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7815% | 3,966 |
| Cost of funding earning assets | 0.5543% | 1,650 |
| Net interest margin | 3.2273% | 4,360 |
| Noninterest income to average assets | 0.4165% | 3,766 |
| Noninterest expense to average assets | 2.5373% | 3,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5613% | 4,382 |
| Return on assets (ROA) | 0.5613% | 4,484 |
| Pretax return on assets | 0.7917% | 4,208 |
| Return on Equity (ROE) | 4.0079% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.0079% | 3,068 |
| Net charge-offs to loans | -0.0024% | 4,724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2188% | 1,948 |
| Assets per employee ($millions) | 4.3586% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7560% | 5,221 |
| Loan loss allowance to noncurrent loans | 59.5389% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 1.0055% | 1,885 |
| Noncurrent loans to loans | 1.2697% | 1,612 |
| Net loans and leases to total assets | 77.7801% | 1,230 |
| Net loans and leases to deposits | 99.4192% | 709 |
| Net loans and leases to core deposits | 103.1932% | 1,344 |
| Total domestic deposits to total assets | 78.2344% | 4,943 |
| Equity capital to assets | 13.8654% | 934 |
| Core capital (leverage) ratio | 15.1387% | 583 |
| Tier 1 risk-based capital ratio | 19.8303% | 1,411 |
| Total risk-based capital ratio | 20.6544% | 1,464 |
| Memoranda: | ||
| Average total assets | $217,515,600 | 2,783 |
| Average earning assets | $196,295,400 | 2,834 |
| Average equity | $30,464,600 | 2,321 |
| Average total loans | $166,804,200 | 2,446 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7966% | 3,933 |
| Cost of funding earning assets | 0.5470% | 1,730 |
| Net interest margin | 3.2497% | 4,346 |
| Noninterest income to average assets | 0.4253% | 3,728 |
| Noninterest expense to average assets | 2.5770% | 3,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5596% | 4,460 |
| Return on assets (ROA) | 0.5596% | 4,563 |
| Pretax return on assets | 0.7778% | 4,385 |
| Return on Equity (ROE) | 3.9856% | 4,905 |
| Retained earnings to average equity (ytd only) | 3.9856% | 3,471 |
| Net charge-offs to loans | -0.0040% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8143% | 1,859 |
| Assets per employee ($millions) | 4.3146% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7699% | 5,273 |
| Loan loss allowance to noncurrent loans | 59.5034% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.0171% | 2,032 |
| Noncurrent loans to loans | 1.2938% | 1,724 |
| Net loans and leases to total assets | 77.2017% | 1,321 |
| Net loans and leases to deposits | 97.3569% | 915 |
| Net loans and leases to core deposits | 100.3758% | 1,598 |
| Total domestic deposits to total assets | 79.2976% | 4,656 |
| Equity capital to assets | 13.9911% | 1,033 |
| Core capital (leverage) ratio | 15.1592% | 602 |
| Tier 1 risk-based capital ratio | 20.0522% | 1,435 |
| Total risk-based capital ratio | 20.8976% | 1,479 |
| Memoranda: | ||
| Average total assets | $216,322,750 | 2,802 |
| Average earning assets | $195,009,250 | 2,857 |
| Average equity | $30,375,500 | 2,343 |
| Average total loans | $164,952,250 | 2,469 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8173% | 3,894 |
| Cost of funding earning assets | 0.5372% | 1,802 |
| Net interest margin | 3.2801% | 4,289 |
| Noninterest income to average assets | 0.4184% | 3,754 |
| Noninterest expense to average assets | 2.6148% | 3,674 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5607% | 4,435 |
| Return on assets (ROA) | 0.5607% | 4,553 |
| Pretax return on assets | 0.7560% | 4,438 |
| Return on Equity (ROE) | 3.9883% | 4,919 |
| Retained earnings to average equity (ytd only) | 3.9883% | 3,365 |
| Net charge-offs to loans | -0.0332% | 5,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5724% | 1,855 |
| Assets per employee ($millions) | 4.1776% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8020% | 5,282 |
| Loan loss allowance to noncurrent loans | 56.8761% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.0951% | 1,931 |
| Noncurrent loans to loans | 1.4102% | 1,579 |
| Net loans and leases to total assets | 76.2917% | 1,444 |
| Net loans and leases to deposits | 95.4298% | 1,144 |
| Net loans and leases to core deposits | 98.2552% | 1,786 |
| Total domestic deposits to total assets | 79.9453% | 4,561 |
| Equity capital to assets | 14.0133% | 1,021 |
| Core capital (leverage) ratio | 15.1171% | 591 |
| Tier 1 risk-based capital ratio | 20.3122% | 1,380 |
| Total risk-based capital ratio | 21.1896% | 1,428 |
| Memoranda: | ||
| Average total assets | $215,081,330 | 2,827 |
| Average earning assets | $193,592,670 | 2,887 |
| Average equity | $30,238,330 | 2,351 |
| Average total loans | $162,870,330 | 2,499 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9061% | 3,572 |
| Cost of funding earning assets | 0.5291% | 1,873 |
| Net interest margin | 3.3770% | 3,956 |
| Noninterest income to average assets | 0.3121% | 4,500 |
| Noninterest expense to average assets | 2.6336% | 3,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4822% | 4,703 |
| Return on assets (ROA) | 0.4822% | 4,799 |
| Pretax return on assets | 0.7084% | 4,497 |
| Return on Equity (ROE) | 3.4244% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.4244% | 3,792 |
| Net charge-offs to loans | -0.0124% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8031% | 1,783 |
| Assets per employee ($millions) | 4.0694% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8060% | 5,337 |
| Loan loss allowance to noncurrent loans | 59.4229% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.0595% | 2,088 |
| Noncurrent loans to loans | 1.3563% | 1,758 |
| Net loans and leases to total assets | 75.2119% | 1,515 |
| Net loans and leases to deposits | 93.8717% | 1,158 |
| Net loans and leases to core deposits | 96.6635% | 1,730 |
| Total domestic deposits to total assets | 80.1220% | 4,725 |
| Equity capital to assets | 14.0697% | 954 |
| Core capital (leverage) ratio | 15.2053% | 574 |
| Tier 1 risk-based capital ratio | 20.9746% | 1,325 |
| Total risk-based capital ratio | 21.8554% | 1,364 |
| Memoranda: | ||
| Average total assets | $214,004,000 | 2,843 |
| Average earning assets | $192,006,500 | 2,910 |
| Average equity | $30,136,500 | 2,359 |
| Average total loans | $160,769,000 | 2,516 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7000% | 4,364 |
| Cost of funding earning assets | 0.5260% | 1,952 |
| Net interest margin | 3.1740% | 4,700 |
| Noninterest income to average assets | 0.3236% | 4,583 |
| Noninterest expense to average assets | 2.5796% | 3,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4119% | 5,015 |
| Return on assets (ROA) | 0.4119% | 5,098 |
| Pretax return on assets | 0.5739% | 4,926 |
| Return on Equity (ROE) | 2.8833% | 5,341 |
| Retained earnings to average equity (ytd only) | 2.8833% | 4,009 |
| Net charge-offs to loans | 0.0504% | 3,190 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 15.9600% | 2,168 |
| Efficiency ratio | 81.8002% | 1,434 |
| Assets per employee ($millions) | 4.2466% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 5,321 |
| Loan loss allowance to noncurrent loans | 45.4011% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 1.5240% | 1,326 |
| Noncurrent loans to loans | 1.8303% | 1,187 |
| Net loans and leases to total assets | 73.7962% | 1,765 |
| Net loans and leases to deposits | 90.6914% | 1,536 |
| Net loans and leases to core deposits | 93.4014% | 2,099 |
| Total domestic deposits to total assets | 81.3707% | 4,382 |
| Equity capital to assets | 14.0949% | 900 |
| Core capital (leverage) ratio | 15.1790% | 586 |
| Tier 1 risk-based capital ratio | 21.2922% | 1,253 |
| Total risk-based capital ratio | 22.2226% | 1,282 |
| Memoranda: | ||
| Average total assets | $208,559,400 | 2,869 |
| Average earning assets | $185,946,800 | 2,933 |
| Average equity | $29,792,000 | 2,333 |
| Average total loans | $148,689,200 | 2,612 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6627% | 4,546 |
| Cost of funding earning assets | 0.5264% | 1,989 |
| Net interest margin | 3.1362% | 4,862 |
| Noninterest income to average assets | 0.3262% | 4,605 |
| Noninterest expense to average assets | 2.5713% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4014% | 5,159 |
| Return on assets (ROA) | 0.4014% | 5,247 |
| Pretax return on assets | 0.5478% | 5,104 |
| Return on Equity (ROE) | 2.8003% | 5,457 |
| Retained earnings to average equity (ytd only) | 2.8003% | 4,441 |
| Net charge-offs to loans | 0.0793% | 2,421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 9.8043% | 2,661 |
| Efficiency ratio | 82.4377% | 1,336 |
| Assets per employee ($millions) | 4.2847% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 5,395 |
| Loan loss allowance to noncurrent loans | 41.3410% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 1.6618% | 1,312 |
| Noncurrent loans to loans | 2.0381% | 1,133 |
| Net loans and leases to total assets | 72.9256% | 1,918 |
| Net loans and leases to deposits | 88.9248% | 1,779 |
| Net loans and leases to core deposits | 91.5893% | 2,307 |
| Total domestic deposits to total assets | 82.0082% | 4,156 |
| Equity capital to assets | 14.2076% | 943 |
| Core capital (leverage) ratio | 15.4245% | 566 |
| Tier 1 risk-based capital ratio | 21.1672% | 1,316 |
| Total risk-based capital ratio | 22.0777% | 1,349 |
| Memoranda: | ||
| Average total assets | $207,616,250 | 2,899 |
| Average earning assets | $184,888,250 | 2,974 |
| Average equity | $29,758,000 | 2,345 |
| Average total loans | $146,360,000 | 2,657 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6564% | 4,553 |
| Cost of funding earning assets | 0.5343% | 1,946 |
| Net interest margin | 3.1221% | 4,910 |
| Noninterest income to average assets | 0.3578% | 4,391 |
| Noninterest expense to average assets | 2.6272% | 3,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3868% | 5,177 |
| Return on assets (ROA) | 0.3868% | 5,286 |
| Pretax return on assets | 0.5047% | 5,211 |
| Return on Equity (ROE) | 2.6905% | 5,506 |
| Retained earnings to average equity (ytd only) | 2.6905% | 4,346 |
| Net charge-offs to loans | 0.0459% | 2,775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 15.8182% | 1,948 |
| Efficiency ratio | 83.8839% | 1,277 |
| Assets per employee ($millions) | 4.3470% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 5,173 |
| Loan loss allowance to noncurrent loans | 46.2325% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 1.6480% | 1,458 |
| Noncurrent loans to loans | 2.0173% | 1,204 |
| Net loans and leases to total assets | 70.5013% | 2,245 |
| Net loans and leases to deposits | 83.5963% | 2,366 |
| Net loans and leases to core deposits | 84.8256% | 2,902 |
| Total domestic deposits to total assets | 84.3353% | 3,426 |
| Equity capital to assets | 14.2560% | 891 |
| Core capital (leverage) ratio | 15.3485% | 570 |
| Tier 1 risk-based capital ratio | 21.8012% | 1,232 |
| Total risk-based capital ratio | 22.7829% | 1,260 |
| Memoranda: | ||
| Average total assets | $206,838,000 | 2,927 |
| Average earning assets | $183,786,000 | 3,004 |
| Average equity | $29,734,330 | 2,358 |
| Average total loans | $143,677,000 | 2,703 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6925% | 4,392 |
| Cost of funding earning assets | 0.5554% | 1,796 |
| Net interest margin | 3.1371% | 4,830 |
| Noninterest income to average assets | 0.3690% | 4,257 |
| Noninterest expense to average assets | 2.6929% | 3,613 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3095% | 5,381 |
| Return on assets (ROA) | 0.3095% | 5,484 |
| Pretax return on assets | 0.4555% | 5,298 |
| Return on Equity (ROE) | 2.1439% | 5,653 |
| Retained earnings to average equity (ytd only) | 2.1439% | 4,603 |
| Net charge-offs to loans | 0.0896% | 1,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.4063% | 2,173 |
| Efficiency ratio | 85.5311% | 1,225 |
| Assets per employee ($millions) | 4.3185% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 5,239 |
| Loan loss allowance to noncurrent loans | 43.0476% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 1.7406% | 1,423 |
| Noncurrent loans to loans | 2.2138% | 1,144 |
| Net loans and leases to total assets | 67.9896% | 2,441 |
| Net loans and leases to deposits | 81.8101% | 2,360 |
| Net loans and leases to core deposits | 82.8986% | 2,878 |
| Total domestic deposits to total assets | 83.1067% | 4,147 |
| Equity capital to assets | 14.5700% | 813 |
| Core capital (leverage) ratio | 15.0057% | 611 |
| Tier 1 risk-based capital ratio | 22.1043% | 1,222 |
| Total risk-based capital ratio | 23.1057% | 1,241 |
| Memoranda: | ||
| Average total assets | $208,103,500 | 2,932 |
| Average earning assets | $184,373,500 | 3,005 |
| Average equity | $30,038,500 | 2,350 |
| Average total loans | $142,818,000 | 2,721 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6742% | 4,870 |
| Cost of funding earning assets | 0.6462% | 1,432 |
| Net interest margin | 3.0279% | 5,384 |
| Noninterest income to average assets | 0.4030% | 4,158 |
| Noninterest expense to average assets | 2.6613% | 4,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2998% | 5,514 |
| Return on assets (ROA) | 0.2998% | 5,587 |
| Pretax return on assets | 0.4507% | 5,382 |
| Return on Equity (ROE) | 2.1420% | 5,734 |
| Retained earnings to average equity (ytd only) | 2.1420% | 4,709 |
| Net charge-offs to loans | 0.2017% | 2,052 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.3123% | 3,921 |
| Efficiency ratio | 85.5170% | 1,229 |
| Assets per employee ($millions) | 4.0177% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 5,206 |
| Loan loss allowance to noncurrent loans | 50.0360% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 1.7126% | 1,562 |
| Noncurrent loans to loans | 1.9352% | 1,451 |
| Net loans and leases to total assets | 67.9487% | 2,560 |
| Net loans and leases to deposits | 82.2820% | 2,439 |
| Net loans and leases to core deposits | 83.3854% | 2,965 |
| Total domestic deposits to total assets | 82.5802% | 4,224 |
| Equity capital to assets | 14.2999% | 874 |
| Core capital (leverage) ratio | 14.9676% | 617 |
| Tier 1 risk-based capital ratio | 24.1978% | 929 |
| Total risk-based capital ratio | 25.3254% | 924 |
| Memoranda: | ||
| Average total assets | $209,450,000 | 2,878 |
| Average earning assets | $187,390,200 | 2,945 |
| Average equity | $29,318,400 | 2,318 |
| Average total loans | $141,332,800 | 2,695 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6347% | 5,055 |
| Cost of funding earning assets | 0.6635% | 1,369 |
| Net interest margin | 2.9712% | 5,559 |
| Noninterest income to average assets | 0.3925% | 4,304 |
| Noninterest expense to average assets | 2.6191% | 4,133 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2907% | 5,618 |
| Return on assets (ROA) | 0.2907% | 5,687 |
| Pretax return on assets | 0.4370% | 5,504 |
| Return on Equity (ROE) | 2.0882% | 5,814 |
| Retained earnings to average equity (ytd only) | 2.0882% | 5,007 |
| Net charge-offs to loans | 0.1789% | 2,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.6350% | 3,622 |
| Efficiency ratio | 85.6994% | 1,211 |
| Assets per employee ($millions) | 3.9415% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 4,998 |
| Loan loss allowance to noncurrent loans | 41.0625% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 1.9890% | 1,450 |
| Noncurrent loans to loans | 2.5529% | 1,137 |
| Net loans and leases to total assets | 67.0560% | 2,678 |
| Net loans and leases to deposits | 79.1687% | 2,821 |
| Net loans and leases to core deposits | 80.6028% | 3,240 |
| Total domestic deposits to total assets | 84.7001% | 3,456 |
| Equity capital to assets | 14.2893% | 916 |
| Core capital (leverage) ratio | 14.8877% | 637 |
| Tier 1 risk-based capital ratio | 24.3754% | 944 |
| Total risk-based capital ratio | 25.5889% | 930 |
| Memoranda: | ||
| Average total assets | $209,583,000 | 2,905 |
| Average earning assets | $187,887,750 | 2,961 |
| Average equity | $29,179,250 | 2,338 |
| Average total loans | $140,829,750 | 2,717 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6240% | 5,087 |
| Cost of funding earning assets | 0.6800% | 1,309 |
| Net interest margin | 2.9440% | 5,649 |
| Noninterest income to average assets | 0.3546% | 4,588 |
| Noninterest expense to average assets | 2.5899% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2726% | 5,657 |
| Return on assets (ROA) | 0.2726% | 5,732 |
| Pretax return on assets | 0.4099% | 5,528 |
| Return on Equity (ROE) | 1.9754% | 5,842 |
| Retained earnings to average equity (ytd only) | 1.9754% | 4,890 |
| Net charge-offs to loans | 0.2418% | 1,595 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.5294% | 3,530 |
| Efficiency ratio | 86.3362% | 1,236 |
| Assets per employee ($millions) | 4.0493% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 5,061 |
| Loan loss allowance to noncurrent loans | 38.9076% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 2.0250% | 1,571 |
| Noncurrent loans to loans | 2.7299% | 1,109 |
| Net loans and leases to total assets | 66.4887% | 2,675 |
| Net loans and leases to deposits | 78.3118% | 2,756 |
| Net loans and leases to core deposits | 79.7119% | 3,245 |
| Total domestic deposits to total assets | 84.9025% | 3,562 |
| Equity capital to assets | 14.1068% | 928 |
| Core capital (leverage) ratio | 14.6894% | 653 |
| Tier 1 risk-based capital ratio | 24.2098% | 960 |
| Total risk-based capital ratio | 25.4364% | 942 |
| Memoranda: | ||
| Average total assets | $209,811,670 | 2,917 |
| Average earning assets | $188,520,000 | 2,972 |
| Average equity | $28,955,670 | 2,345 |
| Average total loans | $140,585,670 | 2,718 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6177% | 5,119 |
| Cost of funding earning assets | 0.6943% | 1,283 |
| Net interest margin | 2.9234% | 5,700 |
| Noninterest income to average assets | 0.3381% | 4,671 |
| Noninterest expense to average assets | 2.5765% | 4,350 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2655% | 5,612 |
| Return on assets (ROA) | 0.2655% | 5,656 |
| Pretax return on assets | 0.3992% | 5,458 |
| Return on Equity (ROE) | 1.9453% | 5,798 |
| Retained earnings to average equity (ytd only) | 1.9453% | 4,818 |
| Net charge-offs to loans | 0.0856% | 2,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.9667% | 2,173 |
| Efficiency ratio | 86.5854% | 1,381 |
| Assets per employee ($millions) | 4.0135% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 4,770 |
| Loan loss allowance to noncurrent loans | 37.1635% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 2.3402% | 1,398 |
| Noncurrent loans to loans | 3.1518% | 983 |
| Net loans and leases to total assets | 66.4223% | 2,495 |
| Net loans and leases to deposits | 78.1961% | 2,528 |
| Net loans and leases to core deposits | 79.6029% | 3,021 |
| Total domestic deposits to total assets | 84.9433% | 3,899 |
| Equity capital to assets | 13.7554% | 1,011 |
| Core capital (leverage) ratio | 14.7495% | 638 |
| Tier 1 risk-based capital ratio | 25.4502% | 842 |
| Total risk-based capital ratio | 26.8088% | 813 |
| Memoranda: | ||
| Average total assets | $209,435,000 | 2,942 |
| Average earning assets | $188,960,000 | 2,984 |
| Average equity | $28,581,500 | 2,363 |
| Average total loans | $140,126,000 | 2,735 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6326% | 5,326 |
| Cost of funding earning assets | 0.8375% | 1,010 |
| Net interest margin | 2.7951% | 5,989 |
| Noninterest income to average assets | 0.3754% | 4,628 |
| Noninterest expense to average assets | 2.5237% | 4,692 |
| Loan and lease loss provision to assets | -0.0233% | 6,307 |
| Net operating income to assets | 0.2605% | 5,655 |
| Return on assets (ROA) | 0.2605% | 5,734 |
| Pretax return on assets | 0.3917% | 5,513 |
| Return on Equity (ROE) | 1.9630% | 5,853 |
| Retained earnings to average equity (ytd only) | 1.9630% | 4,836 |
| Net charge-offs to loans | 0.1539% | 3,266 |
| Credit loss provision to net charge-offs | -23.3645% | 5,724 |
| Earnings coverage of net charge-offs (x) | 3.7009% | 3,778 |
| Efficiency ratio | 87.2607% | 1,295 |
| Assets per employee ($millions) | 4.0417% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 4,687 |
| Loan loss allowance to noncurrent loans | 47.9232% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 1.8852% | 1,929 |
| Noncurrent loans to loans | 2.4939% | 1,518 |
| Net loans and leases to total assets | 65.8099% | 2,718 |
| Net loans and leases to deposits | 78.6675% | 2,640 |
| Net loans and leases to core deposits | 79.9757% | 3,139 |
| Total domestic deposits to total assets | 83.6558% | 4,296 |
| Equity capital to assets | 13.5393% | 1,052 |
| Core capital (leverage) ratio | 14.5811% | 668 |
| Tier 1 risk-based capital ratio | 24.9721% | 852 |
| Total risk-based capital ratio | 26.3356% | 834 |
| Memoranda: | ||
| Average total assets | $214,966,400 | 2,863 |
| Average earning assets | $193,555,000 | 2,911 |
| Average equity | $28,528,000 | 2,339 |
| Average total loans | $139,030,600 | 2,722 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6273% | 5,367 |
| Cost of funding earning assets | 0.8638% | 979 |
| Net interest margin | 2.7634% | 6,071 |
| Noninterest income to average assets | 0.4034% | 4,513 |
| Noninterest expense to average assets | 2.5264% | 4,637 |
| Loan and lease loss provision to assets | -0.0308% | 6,512 |
| Net operating income to assets | 0.2634% | 5,743 |
| Return on assets (ROA) | 0.2634% | 5,843 |
| Pretax return on assets | 0.3960% | 5,633 |
| Return on Equity (ROE) | 1.9944% | 5,941 |
| Retained earnings to average equity (ytd only) | 1.9944% | 5,134 |
| Net charge-offs to loans | 0.1595% | 2,958 |
| Credit loss provision to net charge-offs | -30.1205% | 5,671 |
| Earnings coverage of net charge-offs (x) | 3.5662% | 3,666 |
| Efficiency ratio | 87.3720% | 1,225 |
| Assets per employee ($millions) | 4.2640% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 4,687 |
| Loan loss allowance to noncurrent loans | 50.0291% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 2.1116% | 1,895 |
| Noncurrent loans to loans | 2.4829% | 1,749 |
| Net loans and leases to total assets | 64.1761% | 2,974 |
| Net loans and leases to deposits | 75.0881% | 3,079 |
| Net loans and leases to core deposits | 77.0488% | 3,490 |
| Total domestic deposits to total assets | 85.4677% | 3,511 |
| Equity capital to assets | 13.2922% | 1,204 |
| Core capital (leverage) ratio | 14.3135% | 783 |
| Tier 1 risk-based capital ratio | 25.0810% | 870 |
| Total risk-based capital ratio | 26.4799% | 840 |
| Memoranda: | ||
| Average total assets | $216,166,500 | 2,873 |
| Average earning assets | $194,632,500 | 2,920 |
| Average equity | $28,546,250 | 2,367 |
| Average total loans | $138,792,500 | 2,732 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5769% | 5,504 |
| Cost of funding earning assets | 0.8940% | 926 |
| Net interest margin | 2.6829% | 6,204 |
| Noninterest income to average assets | 0.4126% | 4,428 |
| Noninterest expense to average assets | 2.4268% | 4,974 |
| Loan and lease loss provision to assets | 0.0461% | 4,051 |
| Net operating income to assets | 0.2330% | 5,813 |
| Return on assets (ROA) | 0.2330% | 5,938 |
| Pretax return on assets | 0.3500% | 5,749 |
| Return on Equity (ROE) | 1.7683% | 6,026 |
| Retained earnings to average equity (ytd only) | 1.7683% | 5,131 |
| Net charge-offs to loans | 0.1555% | 2,858 |
| Credit loss provision to net charge-offs | 46.2963% | 3,286 |
| Earnings coverage of net charge-offs (x) | 3.9815% | 3,248 |
| Efficiency ratio | 85.9706% | 1,415 |
| Assets per employee ($millions) | 4.2179% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 4,129 |
| Loan loss allowance to noncurrent loans | 37.7992% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 2.6614% | 1,567 |
| Noncurrent loans to loans | 3.6497% | 1,122 |
| Net loans and leases to total assets | 62.4429% | 3,214 |
| Net loans and leases to deposits | 73.0030% | 3,303 |
| Net loans and leases to core deposits | 74.4276% | 3,743 |
| Total domestic deposits to total assets | 85.5347% | 3,625 |
| Equity capital to assets | 13.1474% | 1,285 |
| Core capital (leverage) ratio | 14.1061% | 796 |
| Tier 1 risk-based capital ratio | 25.2646% | 848 |
| Total risk-based capital ratio | 26.6568% | 814 |
| Memoranda: | ||
| Average total assets | $217,155,000 | 2,881 |
| Average earning assets | $195,085,000 | 2,927 |
| Average equity | $28,615,330 | 2,377 |
| Average total loans | $138,875,000 | 2,737 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6773% | 5,236 |
| Cost of funding earning assets | 0.9158% | 911 |
| Net interest margin | 2.7616% | 6,109 |
| Noninterest income to average assets | 0.3997% | 4,459 |
| Noninterest expense to average assets | 2.3742% | 5,189 |
| Loan and lease loss provision to assets | 0.0917% | 3,130 |
| Net operating income to assets | 0.2768% | 5,641 |
| Return on assets (ROA) | 0.2768% | 5,763 |
| Pretax return on assets | 0.4162% | 5,515 |
| Return on Equity (ROE) | 2.0985% | 5,905 |
| Retained earnings to average equity (ytd only) | 2.0985% | 4,954 |
| Net charge-offs to loans | 0.2282% | 2,078 |
| Credit loss provision to net charge-offs | 62.5000% | 2,403 |
| Earnings coverage of net charge-offs (x) | 3.4625% | 2,761 |
| Efficiency ratio | 82.3791% | 1,981 |
| Assets per employee ($millions) | 4.4255% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 4,344 |
| Loan loss allowance to noncurrent loans | 44.0416% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 2.4123% | 1,928 |
| Noncurrent loans to loans | 3.1281% | 1,587 |
| Net loans and leases to total assets | 62.9544% | 2,892 |
| Net loans and leases to deposits | 73.7817% | 2,944 |
| Net loans and leases to core deposits | 75.2092% | 3,437 |
| Total domestic deposits to total assets | 85.3253% | 3,883 |
| Equity capital to assets | 13.2784% | 1,304 |
| Core capital (leverage) ratio | 13.9462% | 810 |
| Tier 1 risk-based capital ratio | 25.2748% | 859 |
| Total risk-based capital ratio | 26.6605% | 833 |
| Memoranda: | ||
| Average total assets | $218,175,000 | 2,894 |
| Average earning assets | $196,120,500 | 2,943 |
| Average equity | $28,782,000 | 2,401 |
| Average total loans | $140,211,000 | 2,727 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0228% | 5,231 |
| Cost of funding earning assets | 1.0874% | 950 |
| Net interest margin | 2.9354% | 6,166 |
| Noninterest income to average assets | 0.4584% | 4,189 |
| Noninterest expense to average assets | 2.2631% | 5,777 |
| Loan and lease loss provision to assets | 0.1659% | 3,535 |
| Net operating income to assets | 0.5384% | 4,521 |
| Return on assets (ROA) | 0.5384% | 4,780 |
| Pretax return on assets | 0.6867% | 4,709 |
| Return on Equity (ROE) | 4.2988% | 5,024 |
| Retained earnings to average equity (ytd only) | 4.2988% | 3,198 |
| Net charge-offs to loans | 0.2446% | 3,475 |
| Credit loss provision to net charge-offs | 103.5912% | 2,892 |
| Earnings coverage of net charge-offs (x) | 5.3232% | 3,070 |
| Efficiency ratio | 72.6356% | 3,297 |
| Assets per employee ($millions) | 4.6702% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 4,334 |
| Loan loss allowance to noncurrent loans | 45.2464% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 2.3130% | 2,127 |
| Noncurrent loans to loans | 3.0148% | 1,723 |
| Net loans and leases to total assets | 63.8093% | 2,931 |
| Net loans and leases to deposits | 74.5657% | 3,008 |
| Net loans and leases to core deposits | 75.9819% | 3,537 |
| Total domestic deposits to total assets | 85.5746% | 3,576 |
| Equity capital to assets | 13.1070% | 1,383 |
| Core capital (leverage) ratio | 13.7097% | 883 |
| Tier 1 risk-based capital ratio | 24.7720% | 876 |
| Total risk-based capital ratio | 26.1402% | 855 |
| Memoranda: | ||
| Average total assets | $226,021,400 | 2,774 |
| Average earning assets | $204,608,400 | 2,808 |
| Average equity | $28,310,400 | 2,370 |
| Average total loans | $148,012,400 | 2,602 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1145% | 5,135 |
| Cost of funding earning assets | 1.1244% | 964 |
| Net interest margin | 2.9901% | 6,188 |
| Noninterest income to average assets | 0.4808% | 4,054 |
| Noninterest expense to average assets | 2.2033% | 5,940 |
| Loan and lease loss provision to assets | 0.1534% | 3,610 |
| Net operating income to assets | 0.6642% | 4,070 |
| Return on assets (ROA) | 0.6642% | 4,339 |
| Pretax return on assets | 0.8358% | 4,358 |
| Return on Equity (ROE) | 5.3624% | 4,658 |
| Retained earnings to average equity (ytd only) | 5.3624% | 3,116 |
| Net charge-offs to loans | 0.2889% | 2,991 |
| Credit loss provision to net charge-offs | 80.8642% | 3,593 |
| Earnings coverage of net charge-offs (x) | 5.2129% | 3,077 |
| Efficiency ratio | 69.0149% | 3,875 |
| Assets per employee ($millions) | 4.8290% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 4,859 |
| Loan loss allowance to noncurrent loans | 76.2802% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.6193% | 3,160 |
| Noncurrent loans to loans | 1.6913% | 3,255 |
| Net loans and leases to total assets | 64.1355% | 3,005 |
| Net loans and leases to deposits | 74.9997% | 3,146 |
| Net loans and leases to core deposits | 76.3224% | 3,689 |
| Total domestic deposits to total assets | 85.5143% | 3,502 |
| Equity capital to assets | 12.9128% | 1,638 |
| Core capital (leverage) ratio | 13.5151% | 1,003 |
| Tier 1 risk-based capital ratio | 23.2444% | 1,138 |
| Total risk-based capital ratio | 24.5900% | 1,100 |
| Memoranda: | ||
| Average total assets | $227,651,500 | 2,779 |
| Average earning assets | $206,453,500 | 2,805 |
| Average equity | $28,195,500 | 2,397 |
| Average total loans | $149,515,750 | 2,611 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1963% | 4,966 |
| Cost of funding earning assets | 1.1690% | 948 |
| Net interest margin | 3.0272% | 6,183 |
| Noninterest income to average assets | 0.3756% | 4,831 |
| Noninterest expense to average assets | 2.1857% | 6,048 |
| Loan and lease loss provision to assets | 0.1525% | 3,618 |
| Net operating income to assets | 0.6841% | 3,956 |
| Return on assets (ROA) | 0.6841% | 4,213 |
| Pretax return on assets | 0.7861% | 4,522 |
| Return on Equity (ROE) | 5.6006% | 4,528 |
| Retained earnings to average equity (ytd only) | 5.6006% | 2,932 |
| Net charge-offs to loans | 0.3914% | 2,454 |
| Credit loss provision to net charge-offs | 59.1216% | 3,823 |
| Earnings coverage of net charge-offs (x) | 3.6385% | 3,315 |
| Efficiency ratio | 69.9582% | 3,770 |
| Assets per employee ($millions) | 4.8113% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 5,236 |
| Loan loss allowance to noncurrent loans | 72.2066% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.7919% | 3,050 |
| Noncurrent loans to loans | 1.6979% | 3,350 |
| Net loans and leases to total assets | 64.2367% | 2,981 |
| Net loans and leases to deposits | 74.8114% | 3,153 |
| Net loans and leases to core deposits | 76.2010% | 3,750 |
| Total domestic deposits to total assets | 85.8648% | 3,422 |
| Equity capital to assets | 12.4724% | 1,836 |
| Core capital (leverage) ratio | 13.1220% | 1,115 |
| Tier 1 risk-based capital ratio | 23.7120% | 1,054 |
| Total risk-based capital ratio | 25.0465% | 1,024 |
| Memoranda: | ||
| Average total assets | $229,490,000 | 2,758 |
| Average earning assets | $208,375,000 | 2,784 |
| Average equity | $28,032,670 | 2,390 |
| Average total loans | $151,244,330 | 2,602 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 5,147 |
| Cost of funding earning assets | 1.2193% | 896 |
| Net interest margin | 2.9702% | 6,358 |
| Noninterest income to average assets | 0.3236% | 5,283 |
| Noninterest expense to average assets | 2.2754% | 5,838 |
| Loan and lease loss provision to assets | 0.1523% | 3,469 |
| Net operating income to assets | 0.3945% | 5,279 |
| Return on assets (ROA) | 0.3945% | 5,468 |
| Pretax return on assets | 0.5935% | 5,141 |
| Return on Equity (ROE) | 3.2633% | 5,608 |
| Retained earnings to average equity (ytd only) | 3.2633% | 4,611 |
| Net charge-offs to loans | 0.7278% | 1,390 |
| Credit loss provision to net charge-offs | 31.5412% | 3,596 |
| Earnings coverage of net charge-offs (x) | 1.5448% | 3,557 |
| Efficiency ratio | 75.3150% | 2,888 |
| Assets per employee ($millions) | 5.1530% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 5,739 |
| Loan loss allowance to noncurrent loans | 71.7301% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.9842% | 2,923 |
| Noncurrent loans to loans | 1.5935% | 3,729 |
| Net loans and leases to total assets | 64.6353% | 2,733 |
| Net loans and leases to deposits | 74.7556% | 3,003 |
| Net loans and leases to core deposits | 77.9730% | 3,327 |
| Total domestic deposits to total assets | 86.4622% | 3,271 |
| Equity capital to assets | 12.0970% | 1,975 |
| Core capital (leverage) ratio | 12.5563% | 1,316 |
| Tier 1 risk-based capital ratio | 23.0478% | 1,128 |
| Total risk-based capital ratio | 24.3650% | 1,099 |
| Memoranda: | ||
| Average total assets | $231,169,500 | 2,755 |
| Average earning assets | $209,952,500 | 2,775 |
| Average equity | $27,947,000 | 2,391 |
| Average total loans | $153,335,500 | 2,583 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5319% | 4,947 |
| Cost of funding earning assets | 1.4520% | 856 |
| Net interest margin | 3.0799% | 6,384 |
| Noninterest income to average assets | 0.2375% | 5,839 |
| Noninterest expense to average assets | 2.2336% | 6,201 |
| Loan and lease loss provision to assets | 0.2163% | 4,028 |
| Net operating income to assets | 0.3911% | 4,907 |
| Return on assets (ROA) | 0.3911% | 5,073 |
| Pretax return on assets | 0.6212% | 4,627 |
| Return on Equity (ROE) | 3.3340% | 5,147 |
| Retained earnings to average equity (ytd only) | 3.3340% | 3,849 |
| Net charge-offs to loans | 0.1401% | 5,024 |
| Credit loss provision to net charge-offs | 219.2982% | 1,107 |
| Earnings coverage of net charge-offs (x) | 8.4912% | 2,139 |
| Efficiency ratio | 72.4609% | 3,489 |
| Assets per employee ($millions) | 4.7032% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 5,463 |
| Loan loss allowance to noncurrent loans | 64.4686% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 2.0455% | 2,906 |
| Noncurrent loans to loans | 1.8387% | 3,425 |
| Net loans and leases to total assets | 66.4863% | 2,690 |
| Net loans and leases to deposits | 76.9827% | 3,005 |
| Net loans and leases to core deposits | 80.3167% | 3,416 |
| Total domestic deposits to total assets | 86.3652% | 3,103 |
| Equity capital to assets | 12.0818% | 2,060 |
| Core capital (leverage) ratio | 12.5496% | 1,328 |
| Tier 1 risk-based capital ratio | 21.0842% | 1,395 |
| Total risk-based capital ratio | 22.3340% | 1,371 |
| Memoranda: | ||
| Average total assets | $231,151,800 | 2,711 |
| Average earning assets | $212,670,200 | 2,704 |
| Average equity | $27,114,800 | 2,390 |
| Average total loans | $162,701,800 | 2,466 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5740% | 4,984 |
| Cost of funding earning assets | 1.4992% | 863 |
| Net interest margin | 3.0747% | 6,441 |
| Noninterest income to average assets | 0.2173% | 6,054 |
| Noninterest expense to average assets | 2.2404% | 6,188 |
| Loan and lease loss provision to assets | 0.2536% | 3,473 |
| Net operating income to assets | 0.3418% | 5,245 |
| Return on assets (ROA) | 0.3418% | 5,417 |
| Pretax return on assets | 0.5579% | 4,943 |
| Return on Equity (ROE) | 2.9356% | 5,450 |
| Retained earnings to average equity (ytd only) | 2.9356% | 4,594 |
| Net charge-offs to loans | 0.1369% | 4,689 |
| Credit loss provision to net charge-offs | 260.3550% | 1,099 |
| Earnings coverage of net charge-offs (x) | 8.3313% | 2,197 |
| Efficiency ratio | 73.1445% | 3,342 |
| Assets per employee ($millions) | 4.7093% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 5,708 |
| Loan loss allowance to noncurrent loans | 56.9703% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 2.1932% | 2,904 |
| Noncurrent loans to loans | 2.0092% | 3,354 |
| Net loans and leases to total assets | 68.8258% | 2,308 |
| Net loans and leases to deposits | 79.4651% | 2,727 |
| Net loans and leases to core deposits | 82.7359% | 3,220 |
| Total domestic deposits to total assets | 86.6113% | 2,875 |
| Equity capital to assets | 11.9352% | 2,302 |
| Core capital (leverage) ratio | 12.3987% | 1,481 |
| Tier 1 risk-based capital ratio | 20.4130% | 1,586 |
| Total risk-based capital ratio | 21.6627% | 1,557 |
| Memoranda: | ||
| Average total assets | $231,326,000 | 2,718 |
| Average earning assets | $213,259,000 | 2,703 |
| Average equity | $26,932,750 | 2,400 |
| Average total loans | $164,612,500 | 2,446 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6055% | 4,938 |
| Cost of funding earning assets | 1.5414% | 860 |
| Net interest margin | 3.0641% | 6,479 |
| Noninterest income to average assets | 0.1978% | 6,256 |
| Noninterest expense to average assets | 2.2849% | 6,166 |
| Loan and lease loss provision to assets | 0.3196% | 2,871 |
| Net operating income to assets | 0.2367% | 5,608 |
| Return on assets (ROA) | 0.2367% | 5,726 |
| Pretax return on assets | 0.4216% | 5,331 |
| Return on Equity (ROE) | 2.0501% | 5,770 |
| Retained earnings to average equity (ytd only) | 2.0501% | 4,952 |
| Net charge-offs to loans | 0.1458% | 4,317 |
| Credit loss provision to net charge-offs | 305.7851% | 992 |
| Earnings coverage of net charge-offs (x) | 7.0909% | 2,274 |
| Efficiency ratio | 75.2498% | 3,146 |
| Assets per employee ($millions) | 4.6571% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 5,783 |
| Loan loss allowance to noncurrent loans | 65.8304% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.9587% | 3,292 |
| Noncurrent loans to loans | 1.7362% | 3,835 |
| Net loans and leases to total assets | 69.2000% | 2,373 |
| Net loans and leases to deposits | 79.8277% | 2,832 |
| Net loans and leases to core deposits | 82.9581% | 3,372 |
| Total domestic deposits to total assets | 86.6867% | 2,934 |
| Equity capital to assets | 11.6612% | 2,356 |
| Core capital (leverage) ratio | 12.1462% | 1,532 |
| Tier 1 risk-based capital ratio | 20.1120% | 1,591 |
| Total risk-based capital ratio | 21.3506% | 1,570 |
| Memoranda: | ||
| Average total assets | $231,516,330 | 2,739 |
| Average earning assets | $213,699,000 | 2,716 |
| Average equity | $26,730,000 | 2,404 |
| Average total loans | $165,930,670 | 2,455 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6160% | 4,880 |
| Cost of funding earning assets | 1.5856% | 862 |
| Net interest margin | 3.0304% | 6,509 |
| Noninterest income to average assets | 0.2253% | 6,118 |
| Noninterest expense to average assets | 2.3773% | 5,959 |
| Loan and lease loss provision to assets | 0.4505% | 1,959 |
| Net operating income to assets | 0.1300% | 6,013 |
| Return on assets (ROA) | 0.1300% | 6,068 |
| Pretax return on assets | 0.1958% | 5,948 |
| Return on Equity (ROE) | 1.1313% | 6,091 |
| Retained earnings to average equity (ytd only) | 1.1313% | 5,369 |
| Net charge-offs to loans | 0.1243% | 3,780 |
| Credit loss provision to net charge-offs | 500.0000% | 713 |
| Earnings coverage of net charge-offs (x) | 7.1731% | 1,989 |
| Efficiency ratio | 78.3954% | 2,787 |
| Assets per employee ($millions) | 4.8224% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 6,036 |
| Loan loss allowance to noncurrent loans | 55.4474% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 2.1320% | 3,146 |
| Noncurrent loans to loans | 1.9878% | 3,586 |
| Net loans and leases to total assets | 70.6279% | 2,004 |
| Net loans and leases to deposits | 81.2203% | 2,492 |
| Net loans and leases to core deposits | 84.4706% | 3,105 |
| Total domestic deposits to total assets | 86.9584% | 2,963 |
| Equity capital to assets | 11.4699% | 2,300 |
| Core capital (leverage) ratio | 12.1256% | 1,496 |
| Tier 1 risk-based capital ratio | 20.0941% | 1,570 |
| Total risk-based capital ratio | 21.3448% | 1,533 |
| Memoranda: | ||
| Average total assets | $230,846,000 | 2,766 |
| Average earning assets | $213,170,500 | 2,743 |
| Average equity | $26,518,000 | 2,410 |
| Average total loans | $167,396,000 | 2,469 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1585% | 3,810 |
| Cost of funding earning assets | 1.7542% | 1,364 |
| Net interest margin | 3.4044% | 5,617 |
| Noninterest income to average assets | 0.2996% | 5,648 |
| Noninterest expense to average assets | 2.3834% | 6,131 |
| Loan and lease loss provision to assets | 0.3251% | 4,211 |
| Net operating income to assets | 0.5448% | 3,910 |
| Return on assets (ROA) | 0.5382% | 4,084 |
| Pretax return on assets | 0.7469% | 3,806 |
| Return on Equity (ROE) | 4.7576% | 4,176 |
| Retained earnings to average equity (ytd only) | 4.7576% | 2,572 |
| Net charge-offs to loans | 0.2043% | 5,059 |
| Credit loss provision to net charge-offs | 203.8567% | 1,527 |
| Earnings coverage of net charge-offs (x) | 6.7796% | 2,278 |
| Efficiency ratio | 68.6026% | 4,439 |
| Assets per employee ($millions) | 4.7962% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 6,569 |
| Loan loss allowance to noncurrent loans | 61.4155% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.6945% | 3,756 |
| Noncurrent loans to loans | 1.5506% | 4,175 |
| Net loans and leases to total assets | 72.9182% | 1,896 |
| Net loans and leases to deposits | 83.8608% | 2,472 |
| Net loans and leases to core deposits | 87.2310% | 3,148 |
| Total domestic deposits to total assets | 86.9514% | 2,850 |
| Equity capital to assets | 11.5048% | 2,256 |
| Core capital (leverage) ratio | 12.1600% | 1,454 |
| Tier 1 risk-based capital ratio | 19.7477% | 1,539 |
| Total risk-based capital ratio | 20.9073% | 1,529 |
| Memoranda: | ||
| Average total assets | $227,611,600 | 2,787 |
| Average earning assets | $211,611,200 | 2,735 |
| Average equity | $25,748,400 | 2,479 |
| Average total loans | $177,644,600 | 2,382 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2214% | 3,729 |
| Cost of funding earning assets | 1.7821% | 1,496 |
| Net interest margin | 3.4393% | 5,534 |
| Noninterest income to average assets | 0.2785% | 5,877 |
| Noninterest expense to average assets | 2.3986% | 6,041 |
| Loan and lease loss provision to assets | 0.2644% | 4,466 |
| Net operating income to assets | 0.5892% | 3,924 |
| Return on assets (ROA) | 0.5892% | 4,087 |
| Pretax return on assets | 0.8160% | 3,848 |
| Return on Equity (ROE) | 5.2312% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.2312% | 2,823 |
| Net charge-offs to loans | 0.1469% | 5,130 |
| Credit loss provision to net charge-offs | 227.2727% | 1,512 |
| Earnings coverage of net charge-offs (x) | 9.2880% | 2,044 |
| Efficiency ratio | 68.7606% | 4,318 |
| Assets per employee ($millions) | 4.6527% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 6,922 |
| Loan loss allowance to noncurrent loans | 70.1036% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.4238% | 4,318 |
| Noncurrent loans to loans | 1.1950% | 4,850 |
| Net loans and leases to total assets | 77.3075% | 1,161 |
| Net loans and leases to deposits | 88.8911% | 1,874 |
| Net loans and leases to core deposits | 92.2050% | 2,772 |
| Total domestic deposits to total assets | 86.9688% | 2,551 |
| Equity capital to assets | 11.5281% | 2,511 |
| Core capital (leverage) ratio | 12.1830% | 1,570 |
| Tier 1 risk-based capital ratio | 19.3397% | 1,677 |
| Total risk-based capital ratio | 20.3770% | 1,687 |
| Memoranda: | ||
| Average total assets | $226,960,250 | 2,828 |
| Average earning assets | $211,202,000 | 2,777 |
| Average equity | $25,564,000 | 2,535 |
| Average total loans | $179,684,750 | 2,396 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3142% | 3,397 |
| Cost of funding earning assets | 1.8176% | 1,580 |
| Net interest margin | 3.4966% | 5,261 |
| Noninterest income to average assets | 0.2789% | 5,922 |
| Noninterest expense to average assets | 2.4243% | 5,997 |
| Loan and lease loss provision to assets | 0.2868% | 4,098 |
| Net operating income to assets | 0.5789% | 3,956 |
| Return on assets (ROA) | 0.5789% | 4,099 |
| Pretax return on assets | 0.8190% | 3,821 |
| Return on Equity (ROE) | 5.1807% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.1807% | 2,799 |
| Net charge-offs to loans | 0.1697% | 4,600 |
| Credit loss provision to net charge-offs | 212.4183% | 1,833 |
| Earnings coverage of net charge-offs (x) | 8.1895% | 2,176 |
| Efficiency ratio | 68.5000% | 4,478 |
| Assets per employee ($millions) | 4.8246% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7907% | 7,054 |
| Loan loss allowance to noncurrent loans | 101.4399% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.1541% | 4,817 |
| Noncurrent loans to loans | 0.7795% | 5,714 |
| Net loans and leases to total assets | 77.9595% | 1,121 |
| Net loans and leases to deposits | 89.7901% | 1,894 |
| Net loans and leases to core deposits | 92.8334% | 2,867 |
| Total domestic deposits to total assets | 86.8241% | 2,637 |
| Equity capital to assets | 11.4282% | 2,498 |
| Core capital (leverage) ratio | 12.0949% | 1,593 |
| Tier 1 risk-based capital ratio | 19.1382% | 1,687 |
| Total risk-based capital ratio | 20.1219% | 1,721 |
| Memoranda: | ||
| Average total assets | $226,619,330 | 2,850 |
| Average earning assets | $210,719,000 | 2,808 |
| Average equity | $25,324,670 | 2,558 |
| Average total loans | $180,334,000 | 2,421 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3637% | 3,223 |
| Cost of funding earning assets | 1.8633% | 1,595 |
| Net interest margin | 3.5004% | 5,153 |
| Noninterest income to average assets | 0.1748% | 6,715 |
| Noninterest expense to average assets | 2.3430% | 6,275 |
| Loan and lease loss provision to assets | 0.2207% | 4,293 |
| Net operating income to assets | 0.5738% | 4,016 |
| Return on assets (ROA) | 0.5738% | 4,157 |
| Pretax return on assets | 0.8616% | 3,623 |
| Return on Equity (ROE) | 5.1938% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.1938% | 3,046 |
| Net charge-offs to loans | 0.3440% | 3,033 |
| Credit loss provision to net charge-offs | 80.1282% | 3,873 |
| Earnings coverage of net charge-offs (x) | 3.9295% | 2,746 |
| Efficiency ratio | 68.2474% | 4,676 |
| Assets per employee ($millions) | 4.5534% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6695% | 7,400 |
| Loan loss allowance to noncurrent loans | 79.4350% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.3190% | 4,555 |
| Noncurrent loans to loans | 0.8429% | 5,630 |
| Net loans and leases to total assets | 78.7808% | 1,012 |
| Net loans and leases to deposits | 90.6459% | 1,809 |
| Net loans and leases to core deposits | 95.1916% | 2,679 |
| Total domestic deposits to total assets | 86.9105% | 2,675 |
| Equity capital to assets | 11.0673% | 2,706 |
| Core capital (leverage) ratio | 11.9014% | 1,691 |
| Tier 1 risk-based capital ratio | 18.5911% | 1,814 |
| Total risk-based capital ratio | 19.4238% | 1,879 |
| Memoranda: | ||
| Average total assets | $226,551,500 | 2,910 |
| Average earning assets | $210,377,000 | 2,870 |
| Average equity | $25,030,000 | 2,607 |
| Average total loans | $181,408,000 | 2,472 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5951% | 3,635 |
| Cost of funding earning assets | 2.3077% | 1,620 |
| Net interest margin | 3.2874% | 5,791 |
| Noninterest income to average assets | 0.1608% | 6,920 |
| Noninterest expense to average assets | 2.2827% | 6,794 |
| Loan and lease loss provision to assets | 0.3442% | 4,733 |
| Net operating income to assets | 0.3874% | 4,174 |
| Return on assets (ROA) | 0.4098% | 4,199 |
| Pretax return on assets | 0.6285% | 3,815 |
| Return on Equity (ROE) | 3.6188% | 4,245 |
| Retained earnings to average equity (ytd only) | 3.6188% | 2,651 |
| Net charge-offs to loans | 0.1299% | 5,898 |
| Credit loss provision to net charge-offs | 322.0339% | 1,010 |
| Earnings coverage of net charge-offs (x) | 8.7797% | 1,895 |
| Efficiency ratio | 70.7859% | 4,479 |
| Assets per employee ($millions) | 4.6965% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6804% | 7,412 |
| Loan loss allowance to noncurrent loans | 49.4812% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 1.6542% | 3,891 |
| Noncurrent loans to loans | 1.3751% | 4,622 |
| Net loans and leases to total assets | 80.2929% | 942 |
| Net loans and leases to deposits | 92.2530% | 1,859 |
| Net loans and leases to core deposits | 113.1903% | 2,577 |
| Total domestic deposits to total assets | 87.0356% | 2,486 |
| Equity capital to assets | 11.0290% | 2,689 |
| Core capital (leverage) ratio | 11.8748% | 1,720 |
| Tier 1 risk-based capital ratio | 18.3132% | 1,809 |
| Total risk-based capital ratio | 19.1667% | 1,877 |
| Memoranda: | ||
| Average total assets | $220,830,600 | 2,929 |
| Average earning assets | $205,574,000 | 2,899 |
| Average equity | $25,008,200 | 2,609 |
| Average total loans | $181,665,600 | 2,495 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6376% | 3,652 |
| Cost of funding earning assets | 2.4011% | 1,631 |
| Net interest margin | 3.2365% | 5,891 |
| Noninterest income to average assets | 0.1432% | 7,152 |
| Noninterest expense to average assets | 2.2675% | 6,791 |
| Loan and lease loss provision to assets | 0.1578% | 5,774 |
| Net operating income to assets | 0.4768% | 4,086 |
| Return on assets (ROA) | 0.5068% | 4,042 |
| Pretax return on assets | 0.7787% | 3,601 |
| Return on Equity (ROE) | 4.4453% | 4,189 |
| Retained earnings to average equity (ytd only) | 4.4453% | 2,788 |
| Net charge-offs to loans | 0.0793% | 5,882 |
| Credit loss provision to net charge-offs | 240.7407% | 1,814 |
| Earnings coverage of net charge-offs (x) | 13.5830% | 1,668 |
| Efficiency ratio | 71.7471% | 4,291 |
| Assets per employee ($millions) | 4.4698% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4785% | 7,740 |
| Loan loss allowance to noncurrent loans | 49.7136% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 1.0529% | 4,974 |
| Noncurrent loans to loans | 0.9625% | 5,370 |
| Net loans and leases to total assets | 80.7824% | 1,023 |
| Net loans and leases to deposits | 93.6906% | 1,931 |
| Net loans and leases to core deposits | 114.8233% | 2,747 |
| Total domestic deposits to total assets | 86.2225% | 2,576 |
| Equity capital to assets | 11.1116% | 2,911 |
| Core capital (leverage) ratio | 11.9509% | 1,823 |
| Tier 1 risk-based capital ratio | 18.5304% | 1,856 |
| Total risk-based capital ratio | 19.1414% | 1,971 |
| Memoranda: | ||
| Average total assets | $219,680,250 | 2,961 |
| Average earning assets | $204,620,250 | 2,925 |
| Average equity | $25,044,500 | 2,635 |
| Average total loans | $181,520,500 | 2,523 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7071% | 3,496 |
| Cost of funding earning assets | 2.4895% | 1,653 |
| Net interest margin | 3.2176% | 5,848 |
| Noninterest income to average assets | 0.1291% | 7,314 |
| Noninterest expense to average assets | 2.2481% | 6,923 |
| Loan and lease loss provision to assets | 0.1969% | 5,089 |
| Net operating income to assets | 0.4335% | 4,362 |
| Return on assets (ROA) | 0.4780% | 4,294 |
| Pretax return on assets | 0.7445% | 3,849 |
| Return on Equity (ROE) | 4.1569% | 4,430 |
| Retained earnings to average equity (ytd only) | 4.1569% | 2,981 |
| Net charge-offs to loans | 0.0452% | 5,835 |
| Credit loss provision to net charge-offs | 524.3902% | 881 |
| Earnings coverage of net charge-offs (x) | 23.2195% | 1,192 |
| Efficiency ratio | 71.9988% | 4,410 |
| Assets per employee ($millions) | 4.5956% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4980% | 7,791 |
| Loan loss allowance to noncurrent loans | 59.7315% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 0.9579% | 5,063 |
| Noncurrent loans to loans | 0.8338% | 5,554 |
| Net loans and leases to total assets | 78.9641% | 1,532 |
| Net loans and leases to deposits | 91.6269% | 2,542 |
| Net loans and leases to core deposits | 112.4801% | 3,076 |
| Total domestic deposits to total assets | 86.1801% | 2,686 |
| Equity capital to assets | 10.8526% | 3,054 |
| Core capital (leverage) ratio | 11.7146% | 1,969 |
| Tier 1 risk-based capital ratio | 18.2256% | 1,949 |
| Total risk-based capital ratio | 18.8406% | 2,072 |
| Memoranda: | ||
| Average total assets | $218,411,000 | 2,998 |
| Average earning assets | $203,008,670 | 2,962 |
| Average equity | $25,115,000 | 2,629 |
| Average total loans | $181,558,330 | 2,555 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8575% | 3,000 |
| Cost of funding earning assets | 2.6000% | 1,567 |
| Net interest margin | 3.2575% | 5,667 |
| Noninterest income to average assets | 0.0986% | 7,548 |
| Noninterest expense to average assets | 2.0370% | 7,263 |
| Loan and lease loss provision to assets | 0.2790% | 3,723 |
| Net operating income to assets | 0.5415% | 4,252 |
| Return on assets (ROA) | 0.5655% | 4,350 |
| Pretax return on assets | 0.8315% | 3,967 |
| Return on Equity (ROE) | 4.7773% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.7773% | 3,247 |
| Net charge-offs to loans | 0.0590% | 4,644 |
| Credit loss provision to net charge-offs | 555.5556% | 1,007 |
| Earnings coverage of net charge-offs (x) | 21.4074% | 1,340 |
| Efficiency ratio | 65.3915% | 5,434 |
| Assets per employee ($millions) | 4.5488% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4643% | 7,871 |
| Loan loss allowance to noncurrent loans | 62.6587% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.1193% | 4,446 |
| Noncurrent loans to loans | 0.7410% | 5,576 |
| Net loans and leases to total assets | 82.3790% | 952 |
| Net loans and leases to deposits | 95.3120% | 2,069 |
| Net loans and leases to core deposits | 117.7578% | 2,621 |
| Total domestic deposits to total assets | 86.4309% | 2,489 |
| Equity capital to assets | 11.7275% | 2,427 |
| Core capital (leverage) ratio | 11.9839% | 1,907 |
| Tier 1 risk-based capital ratio | 18.2457% | 1,991 |
| Total risk-based capital ratio | 18.8309% | 2,103 |
| Memoranda: | ||
| Average total assets | $215,025,500 | 3,052 |
| Average earning assets | $198,925,500 | 3,028 |
| Average equity | $25,453,500 | 2,612 |
| Average total loans | $182,986,000 | 2,551 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2768% | 4,087 |
| Cost of funding earning assets | 3.1780% | 1,260 |
| Net interest margin | 3.0987% | 6,654 |
| Noninterest income to average assets | 0.1717% | 7,191 |
| Noninterest expense to average assets | 1.9255% | 7,575 |
| Loan and lease loss provision to assets | 0.1574% | 5,358 |
| Net operating income to assets | 0.6514% | 4,100 |
| Return on assets (ROA) | 0.6716% | 3,860 |
| Pretax return on assets | 0.9878% | 3,421 |
| Return on Equity (ROE) | 5.5622% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.5622% | 1,733 |
| Net charge-offs to loans | 0.0833% | 5,569 |
| Credit loss provision to net charge-offs | 212.9032% | 2,270 |
| Earnings coverage of net charge-offs (x) | 15.0903% | 1,962 |
| Efficiency ratio | 63.2685% | 5,719 |
| Assets per employee ($millions) | 4.5044% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3865% | 8,000 |
| Loan loss allowance to noncurrent loans | 70.0587% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 1.0477% | 4,200 |
| Noncurrent loans to loans | 0.5516% | 5,708 |
| Net loans and leases to total assets | 87.1711% | 456 |
| Net loans and leases to deposits | 101.1732% | 1,682 |
| Net loans and leases to core deposits | 123.9283% | 2,333 |
| Total domestic deposits to total assets | 86.1602% | 2,332 |
| Equity capital to assets | 11.9508% | 2,320 |
| Core capital (leverage) ratio | 12.2158% | 1,873 |
| Tier 1 risk-based capital ratio | 18.2822% | 1,964 |
| Total risk-based capital ratio | 18.7913% | 2,103 |
| Memoranda: | ||
| Average total assets | $209,662,800 | 3,007 |
| Average earning assets | $194,144,800 | 2,975 |
| Average equity | $25,313,600 | 2,619 |
| Average total loans | $185,981,600 | 2,442 |