Home > Pacific Coast Bankers' Bank > Performance and Condition Ratios
Pacific Coast Bankers' Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0624% | 3,003 |
| Cost of funding earning assets | 2.2642% | 1,283 |
| Net interest margin | 2.7982% | 3,707 |
| Noninterest income to average assets | 2.6300% | 207 |
| Noninterest expense to average assets | 4.0644% | 368 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 0.6139% | 3,312 |
| Return on assets (ROA) | 0.6139% | 3,333 |
| Pretax return on assets | 0.8431% | 3,103 |
| Return on Equity (ROE) | 5.3200% | 3,479 |
| Retained earnings to average equity (ytd only) | -1.9268% | 3,907 |
| 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 | 82.7138% | 789 |
| Assets per employee ($millions) | 9.8220% | 842 |
| Cash dividends to net income (ytd only)* | 136.2398% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9011% | 3,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 38.0800% | 4,030 |
| Net loans and leases to deposits | 95.5732% | 657 |
| Net loans and leases to core deposits | 95.5734% | 1,661 |
| Total domestic deposits to total assets | 39.8400% | 4,342 |
| Equity capital to assets | 12.1096% | 1,181 |
| Core capital (leverage) ratio | 11.7838% | 1,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1518% | 301 |
| Memoranda: | ||
| Average total assets | $1,195,655,000 | 884 |
| Average earning assets | $973,776,500 | 970 |
| Average equity | $138,053,000 | 807 |
| Average total loans | $423,244,000 | 1,492 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0086% | 1,275 |
| Cost of funding earning assets | 3.0435% | 457 |
| Net interest margin | 2.9651% | 3,205 |
| Noninterest income to average assets | 2.9000% | 192 |
| Noninterest expense to average assets | 4.1692% | 338 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.7827% | 2,740 |
| Return on assets (ROA) | 0.7827% | 2,752 |
| Pretax return on assets | 1.0659% | 2,331 |
| Return on Equity (ROE) | 6.5400% | 3,146 |
| Retained earnings to average equity (ytd only) | 1.0348% | 3,660 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 79.2757% | 1,102 |
| Assets per employee ($millions) | 10.4330% | 679 |
| Cash dividends to net income (ytd only)* | 84.1751% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 3,400 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 32.3300% | 4,186 |
| Net loans and leases to deposits | 75.6728% | 2,496 |
| Net loans and leases to core deposits | 75.7324% | 3,062 |
| Total domestic deposits to total assets | 42.7200% | 4,361 |
| Equity capital to assets | 11.0335% | 1,570 |
| Core capital (leverage) ratio | 11.5228% | 1,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8723% | 291 |
| Memoranda: | ||
| Average total assets | $1,138,353,400 | 912 |
| Average earning assets | $904,124,000 | 1,027 |
| Average equity | $136,254,600 | 791 |
| Average total loans | $379,650,600 | 1,595 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1926% | 1,004 |
| Cost of funding earning assets | 3.1856% | 363 |
| Net interest margin | 3.0070% | 3,073 |
| Noninterest income to average assets | 2.9500% | 186 |
| Noninterest expense to average assets | 4.2337% | 326 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.7735% | 2,772 |
| Return on assets (ROA) | 0.7735% | 2,783 |
| Pretax return on assets | 1.0734% | 2,325 |
| Return on Equity (ROE) | 6.3200% | 3,236 |
| Retained earnings to average equity (ytd only) | 0.4311% | 3,867 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 79.3717% | 1,121 |
| Assets per employee ($millions) | 7.8132% | 1,625 |
| Cash dividends to net income (ytd only)* | 93.1822% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 3,468 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 43.0500% | 3,933 |
| Net loans and leases to deposits | 104.6743% | 300 |
| Net loans and leases to core deposits | 104.7561% | 1,197 |
| Total domestic deposits to total assets | 41.1200% | 4,397 |
| Equity capital to assets | 14.6436% | 624 |
| Core capital (leverage) ratio | 12.8584% | 1,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5486% | 308 |
| Memoranda: | ||
| Average total assets | $1,109,952,500 | 923 |
| Average earning assets | $878,316,750 | 1,051 |
| Average equity | $135,784,500 | 786 |
| Average total loans | $372,394,750 | 1,613 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0881% | 1,046 |
| Cost of funding earning assets | 3.2094% | 321 |
| Net interest margin | 2.8787% | 3,285 |
| Noninterest income to average assets | 2.6700% | 204 |
| Noninterest expense to average assets | 4.0055% | 371 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.6430% | 3,084 |
| Return on assets (ROA) | 0.6430% | 3,112 |
| Pretax return on assets | 0.8926% | 2,780 |
| Return on Equity (ROE) | 5.5500% | 3,394 |
| Retained earnings to average equity (ytd only) | -1.1044% | 4,067 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 81.1214% | 1,038 |
| Assets per employee ($millions) | 10.3551% | 660 |
| Cash dividends to net income (ytd only)* | 119.9041% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 3,333 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 31.1700% | 4,248 |
| Net loans and leases to deposits | 74.7791% | 2,638 |
| Net loans and leases to core deposits | 74.8226% | 3,108 |
| Total domestic deposits to total assets | 41.6800% | 4,416 |
| Equity capital to assets | 10.8977% | 1,619 |
| Core capital (leverage) ratio | 10.7426% | 2,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0173% | 296 |
| Memoranda: | ||
| Average total assets | $1,167,408,000 | 886 |
| Average earning assets | $921,602,333 | 1,013 |
| Average equity | $135,280,667 | 787 |
| Average total loans | $360,701,333 | 1,640 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0779% | 962 |
| Cost of funding earning assets | 3.1519% | 329 |
| Net interest margin | 2.9259% | 3,142 |
| Noninterest income to average assets | 2.6100% | 195 |
| Noninterest expense to average assets | 4.1611% | 326 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5452% | 3,292 |
| Return on assets (ROA) | 0.5452% | 3,318 |
| Pretax return on assets | 0.7569% | 3,027 |
| Return on Equity (ROE) | 4.5600% | 3,553 |
| Retained earnings to average equity (ytd only) | -4.3191% | 4,097 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 84.6087% | 863 |
| Assets per employee ($millions) | 10.3807% | 646 |
| Cash dividends to net income (ytd only)* | 194.8052% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 3,150 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 28.8900% | 4,298 |
| Net loans and leases to deposits | 73.7030% | 2,623 |
| Net loans and leases to core deposits | 73.7496% | 3,123 |
| Total domestic deposits to total assets | 39.2000% | 4,470 |
| Equity capital to assets | 11.0687% | 1,476 |
| Core capital (leverage) ratio | 11.3503% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2002% | 263 |
| Memoranda: | ||
| Average total assets | $1,129,804,000 | 914 |
| Average earning assets | $892,024,500 | 1,047 |
| Average equity | $135,212,500 | 790 |
| Average total loans | $345,443,500 | 1,678 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3946% | 1,323 |
| Cost of funding earning assets | 3.1996% | 112 |
| Net interest margin | 2.1950% | 4,320 |
| Noninterest income to average assets | 2.8200% | 192 |
| Noninterest expense to average assets | 3.6145% | 499 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.6868% | 3,228 |
| Return on assets (ROA) | 0.6868% | 3,203 |
| Pretax return on assets | 0.9238% | 2,897 |
| Return on Equity (ROE) | 6.4600% | 3,428 |
| Retained earnings to average equity (ytd only) | 0.8563% | 3,865 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.1372% | 975 |
| Assets per employee ($millions) | 8.8565% | 1,035 |
| Cash dividends to net income (ytd only)* | 86.7353% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 2,909 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 31.8400% | 4,252 |
| Net loans and leases to deposits | 83.9629% | 1,784 |
| Net loans and leases to core deposits | 84.0267% | 2,448 |
| Total domestic deposits to total assets | 37.9200% | 4,485 |
| Equity capital to assets | 13.0126% | 859 |
| Core capital (leverage) ratio | 10.1979% | 2,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2737% | 235 |
| Memoranda: | ||
| Average total assets | $1,259,109,600 | 827 |
| Average earning assets | $1,001,133,600 | 906 |
| Average equity | $133,941,600 | 739 |
| Average total loans | $299,079,400 | 1,792 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9893% | 1,847 |
| Cost of funding earning assets | 2.8837% | 138 |
| Net interest margin | 2.1056% | 4,406 |
| Noninterest income to average assets | 2.6300% | 223 |
| Noninterest expense to average assets | 3.4687% | 572 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.5777% | 3,603 |
| Return on assets (ROA) | 0.5777% | 3,587 |
| Pretax return on assets | 0.7996% | 3,335 |
| Return on Equity (ROE) | 5.6800% | 3,694 |
| Retained earnings to average equity (ytd only) | -0.3128% | 4,183 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.5648% | 831 |
| Assets per employee ($millions) | 12.0551% | 367 |
| Cash dividends to net income (ytd only)* | 105.5038% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 2,975 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 23.3500% | 4,404 |
| Net loans and leases to deposits | 65.3527% | 3,187 |
| Net loans and leases to core deposits | 65.3909% | 3,459 |
| Total domestic deposits to total assets | 35.7300% | 4,521 |
| Equity capital to assets | 9.3113% | 2,216 |
| Core capital (leverage) ratio | 10.3819% | 2,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9453% | 255 |
| Memoranda: | ||
| Average total assets | $1,312,619,750 | 801 |
| Average earning assets | $1,044,282,750 | 889 |
| Average equity | $133,429,250 | 736 |
| Average total loans | $289,757,500 | 1,833 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8481% | 1,889 |
| Cost of funding earning assets | 2.6335% | 146 |
| Net interest margin | 2.2146% | 4,411 |
| Noninterest income to average assets | 2.7300% | 188 |
| Noninterest expense to average assets | 3.5447% | 513 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.6566% | 3,441 |
| Return on assets (ROA) | 0.6566% | 3,446 |
| Pretax return on assets | 0.9088% | 3,143 |
| Return on Equity (ROE) | 6.2600% | 3,637 |
| Retained earnings to average equity (ytd only) | -0.4858% | 4,159 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.5779% | 957 |
| Assets per employee ($millions) | 11.1785% | 490 |
| Cash dividends to net income (ytd only)* | 107.7586% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,100 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 23.2000% | 4,428 |
| Net loans and leases to deposits | 62.1633% | 3,294 |
| Net loans and leases to core deposits | 62.2041% | 3,532 |
| Total domestic deposits to total assets | 37.3200% | 4,542 |
| Equity capital to assets | 10.8806% | 1,435 |
| Core capital (leverage) ratio | 11.5774% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.8595% | 191 |
| Memoranda: | ||
| Average total assets | $1,271,974,333 | 810 |
| Average earning assets | $1,024,856,333 | 889 |
| Average equity | $133,380,333 | 731 |
| Average total loans | $273,452,667 | 1,898 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7435% | 1,751 |
| Cost of funding earning assets | 2.5214% | 92 |
| Net interest margin | 2.2221% | 4,489 |
| Noninterest income to average assets | 2.2000% | 211 |
| Noninterest expense to average assets | 3.2287% | 768 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.4816% | 3,940 |
| Return on assets (ROA) | 0.4816% | 3,901 |
| Pretax return on assets | 0.6669% | 3,723 |
| Return on Equity (ROE) | 4.6800% | 3,935 |
| Retained earnings to average equity (ytd only) | -4.3341% | 4,301 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.5401% | 790 |
| Assets per employee ($millions) | 11.9414% | 404 |
| Cash dividends to net income (ytd only)* | 192.6782% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 1,761 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 21.0600% | 4,505 |
| Net loans and leases to deposits | 45.5340% | 4,054 |
| Net loans and leases to core deposits | 45.5577% | 4,125 |
| Total domestic deposits to total assets | 46.2400% | 4,584 |
| Equity capital to assets | 10.5829% | 1,518 |
| Core capital (leverage) ratio | 10.4576% | 2,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8661% | 181 |
| Memoranda: | ||
| Average total assets | $1,293,145,500 | 814 |
| Average earning assets | $1,053,221,500 | 892 |
| Average equity | $133,175,000 | 738 |
| Average total loans | $265,732,000 | 1,947 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2367% | 4,575 |
| Cost of funding earning assets | 1.1196% | 96 |
| Net interest margin | 1.1171% | 4,667 |
| Noninterest income to average assets | 2.1500% | 226 |
| Noninterest expense to average assets | 2.7458% | 1,449 |
| Loan and lease loss provision to assets | -0.3900% | 4,685 |
| Net operating income to assets | 0.4529% | 4,164 |
| Return on assets (ROA) | 0.4529% | 4,122 |
| Pretax return on assets | 0.6252% | 3,987 |
| Return on Equity (ROE) | 5.1100% | 3,999 |
| Retained earnings to average equity (ytd only) | -0.1504% | 4,376 |
| Net charge-offs to loans | -2.3766% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 92.0802% | 261 |
| Assets per employee ($millions) | 12.5702% | 339 |
| Cash dividends to net income (ytd only)* | 102.9412% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 2,171 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 19.5500% | 4,555 |
| Net loans and leases to deposits | 48.5226% | 3,955 |
| Net loans and leases to core deposits | 48.5499% | 4,037 |
| Total domestic deposits to total assets | 40.2900% | 4,623 |
| Equity capital to assets | 10.0309% | 1,691 |
| Core capital (leverage) ratio | 9.6437% | 2,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.0790% | 179 |
| Memoranda: | ||
| Average total assets | $1,501,495,600 | 697 |
| Average earning assets | $1,111,986,200 | 845 |
| Average equity | $132,966,200 | 739 |
| Average total loans | $241,560,200 | 1,991 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6120% | 4,653 |
| Cost of funding earning assets | 0.7023% | 267 |
| Net interest margin | 0.9097% | 4,703 |
| Noninterest income to average assets | 2.1200% | 252 |
| Noninterest expense to average assets | 2.4163% | 2,273 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2670% | 4,420 |
| Return on assets (ROA) | 0.2670% | 4,380 |
| Pretax return on assets | 0.3631% | 4,316 |
| Return on Equity (ROE) | 3.1000% | 4,288 |
| Retained earnings to average equity (ytd only) | -2.4177% | 4,512 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.9364% | 421 |
| Assets per employee ($millions) | 15.8808% | 169 |
| Cash dividends to net income (ytd only)* | 177.8784% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,162 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 15.1900% | 4,620 |
| Net loans and leases to deposits | 28.9507% | 4,512 |
| Net loans and leases to core deposits | 28.9986% | 4,518 |
| Total domestic deposits to total assets | 52.4600% | 4,646 |
| Equity capital to assets | 7.5815% | 3,164 |
| Core capital (leverage) ratio | 9.9619% | 2,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6126% | 213 |
| Memoranda: | ||
| Average total assets | $1,543,759,250 | 693 |
| Average earning assets | $1,123,859,250 | 846 |
| Average equity | $132,793,750 | 749 |
| Average total loans | $236,002,500 | 2,022 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2620% | 4,723 |
| Cost of funding earning assets | 0.3357% | 1,391 |
| Net interest margin | 0.9263% | 4,737 |
| Noninterest income to average assets | 2.1129% | 214 |
| Noninterest expense to average assets | 2.4772% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2221% | 4,394 |
| Return on assets (ROA) | 0.2221% | 4,353 |
| Pretax return on assets | 0.2930% | 4,308 |
| Return on Equity (ROE) | 2.4679% | 4,297 |
| Retained earnings to average equity (ytd only) | -3.5330% | 4,484 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4239% | 434 |
| Assets per employee ($millions) | 13.4694% | 265 |
| Cash dividends to net income (ytd only)* | 243.1611% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 1,972 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 17.5541% | 4,669 |
| Net loans and leases to deposits | 29.8706% | 4,546 |
| Net loans and leases to core deposits | 30.0919% | 4,564 |
| Total domestic deposits to total assets | 58.7671% | 4,695 |
| Equity capital to assets | 9.2679% | 2,190 |
| Core capital (leverage) ratio | 8.3404% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.9617% | 137 |
| Memoranda: | ||
| Average total assets | $1,481,341,667 | 704 |
| Average earning assets | $1,051,026,333 | 885 |
| Average equity | $133,312,667 | 754 |
| Average total loans | $225,904,333 | 2,074 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9020% | 4,764 |
| Cost of funding earning assets | 0.1042% | 4,078 |
| Net interest margin | 0.7977% | 4,766 |
| Noninterest income to average assets | 2.2545% | 202 |
| Noninterest expense to average assets | 2.4131% | 2,117 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2960% | 4,151 |
| Return on assets (ROA) | 0.2960% | 4,124 |
| Pretax return on assets | 0.3950% | 4,041 |
| Return on Equity (ROE) | 3.3355% | 4,024 |
| Retained earnings to average equity (ytd only) | -4.1032% | 4,381 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9332% | 741 |
| Assets per employee ($millions) | 14.8872% | 209 |
| Cash dividends to net income (ytd only)* | 223.0152% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 1,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 14.1906% | 4,717 |
| Net loans and leases to deposits | 18.2766% | 4,704 |
| Net loans and leases to core deposits | 18.7502% | 4,704 |
| Total domestic deposits to total assets | 77.6439% | 4,428 |
| Equity capital to assets | 8.2872% | 3,334 |
| Core capital (leverage) ratio | 8.5894% | 3,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.7350% | 111 |
| Memoranda: | ||
| Average total assets | $1,514,869,000 | 690 |
| Average earning assets | $1,051,492,500 | 890 |
| Average equity | $134,431,500 | 761 |
| Average total loans | $213,029,500 | 2,152 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1012% | 4,781 |
| Cost of funding earning assets | 0.1245% | 4,191 |
| Net interest margin | 0.9767% | 4,782 |
| Noninterest income to average assets | 2.3335% | 249 |
| Noninterest expense to average assets | 2.3030% | 2,786 |
| Loan and lease loss provision to assets | -0.0468% | 4,340 |
| Net operating income to assets | 0.5162% | 4,048 |
| Return on assets (ROA) | 0.5162% | 4,098 |
| Pretax return on assets | 0.6918% | 3,941 |
| Return on Equity (ROE) | 5.3289% | 3,925 |
| Retained earnings to average equity (ytd only) | 1.2372% | 4,195 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1227% | 938 |
| Assets per employee ($millions) | 12.8101% | 330 |
| Cash dividends to net income (ytd only)* | 76.7835% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7423% | 961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 13.4411% | 4,766 |
| Net loans and leases to deposits | 15.4208% | 4,768 |
| Net loans and leases to core deposits | 15.8891% | 4,762 |
| Total domestic deposits to total assets | 87.1623% | 2,447 |
| Equity capital to assets | 9.5378% | 3,113 |
| Core capital (leverage) ratio | 9.4790% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9747% | 279 |
| Memoranda: | ||
| Average total assets | $1,387,759,800 | 721 |
| Average earning assets | $873,068,600 | 1,007 |
| Average equity | $134,419,200 | 777 |
| Average total loans | $181,367,800 | 2,377 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1479% | 4,863 |
| Cost of funding earning assets | 0.1340% | 4,238 |
| Net interest margin | 1.0140% | 4,862 |
| Noninterest income to average assets | 2.2426% | 285 |
| Noninterest expense to average assets | 2.2235% | 3,000 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4770% | 4,244 |
| Return on assets (ROA) | 0.4770% | 4,288 |
| Pretax return on assets | 0.6439% | 4,168 |
| Return on Equity (ROE) | 4.9050% | 4,135 |
| Retained earnings to average equity (ytd only) | 1.9226% | 4,210 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5437% | 913 |
| Assets per employee ($millions) | 12.9959% | 305 |
| Cash dividends to net income (ytd only)* | 60.8026% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5379% | 274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 11.3670% | 4,849 |
| Net loans and leases to deposits | 13.0738% | 4,852 |
| Net loans and leases to core deposits | 13.4959% | 4,843 |
| Total domestic deposits to total assets | 86.9449% | 2,374 |
| Equity capital to assets | 9.9508% | 2,947 |
| Core capital (leverage) ratio | 10.2874% | 2,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3851% | 323 |
| Memoranda: | ||
| Average total assets | $1,379,220,500 | 734 |
| Average earning assets | $849,961,250 | 1,045 |
| Average equity | $134,119,250 | 790 |
| Average total loans | $178,082,250 | 2,436 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1844% | 4,893 |
| Cost of funding earning assets | 0.1475% | 4,224 |
| Net interest margin | 1.0370% | 4,893 |
| Noninterest income to average assets | 2.2706% | 278 |
| Noninterest expense to average assets | 2.3595% | 2,587 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4170% | 4,355 |
| Return on assets (ROA) | 0.4170% | 4,396 |
| Pretax return on assets | 0.5401% | 4,324 |
| Return on Equity (ROE) | 4.3215% | 4,270 |
| Retained earnings to average equity (ytd only) | -0.1707% | 4,535 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3724% | 708 |
| Assets per employee ($millions) | 12.7152% | 298 |
| Cash dividends to net income (ytd only)* | 103.9501% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2654% | 389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 13.3049% | 4,877 |
| Net loans and leases to deposits | 15.3346% | 4,883 |
| Net loans and leases to core deposits | 15.9935% | 4,876 |
| Total domestic deposits to total assets | 86.7638% | 2,439 |
| Equity capital to assets | 10.2063% | 2,662 |
| Core capital (leverage) ratio | 9.3386% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7589% | 440 |
| Memoranda: | ||
| Average total assets | $1,384,104,667 | 730 |
| Average earning assets | $839,570,667 | 1,047 |
| Average equity | $133,563,667 | 790 |
| Average total loans | $184,393,333 | 2,402 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1792% | 4,929 |
| Cost of funding earning assets | 0.1693% | 4,169 |
| Net interest margin | 1.0099% | 4,927 |
| Noninterest income to average assets | 2.4276% | 277 |
| Noninterest expense to average assets | 2.3021% | 2,786 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5389% | 4,098 |
| Return on assets (ROA) | 0.5389% | 4,139 |
| Pretax return on assets | 0.7283% | 3,965 |
| Return on Equity (ROE) | 5.7374% | 3,937 |
| Retained earnings to average equity (ytd only) | -3.2507% | 4,613 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9658% | 1,146 |
| Assets per employee ($millions) | 14.9695% | 201 |
| Cash dividends to net income (ytd only)* | 156.6580% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2278% | 408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 11.6091% | 4,913 |
| Net loans and leases to deposits | 13.3216% | 4,916 |
| Net loans and leases to core deposits | 13.8114% | 4,913 |
| Total domestic deposits to total assets | 87.1446% | 2,255 |
| Equity capital to assets | 8.7091% | 3,955 |
| Core capital (leverage) ratio | 9.6919% | 2,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0816% | 272 |
| Memoranda: | ||
| Average total assets | $1,421,323,500 | 713 |
| Average earning assets | $848,380,000 | 1,025 |
| Average equity | $133,511,000 | 785 |
| Average total loans | $187,445,500 | 2,375 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0601% | 4,910 |
| Cost of funding earning assets | 0.6344% | 2,094 |
| Net interest margin | 1.4257% | 4,924 |
| Noninterest income to average assets | 5.4962% | 105 |
| Noninterest expense to average assets | 3.3247% | 879 |
| Loan and lease loss provision to assets | 0.0234% | 4,109 |
| Net operating income to assets | 2.1220% | 209 |
| Return on assets (ROA) | 2.1220% | 226 |
| Pretax return on assets | 2.8747% | 132 |
| Return on Equity (ROE) | 21.3177% | 178 |
| Retained earnings to average equity (ytd only) | 21.3177% | 56 |
| Net charge-offs to loans | -0.0245% | 4,482 |
| Credit loss provision to net charge-offs | -543.3962% | 3,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4280% | 4,266 |
| Assets per employee ($millions) | 12.6515% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0863% | 499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 14.4065% | 4,921 |
| Net loans and leases to deposits | 17.0829% | 4,921 |
| Net loans and leases to core deposits | 17.8435% | 4,920 |
| Total domestic deposits to total assets | 84.3329% | 3,004 |
| Equity capital to assets | 10.1630% | 2,970 |
| Core capital (leverage) ratio | 9.6970% | 2,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7906% | 1,092 |
| Memoranda: | ||
| Average total assets | $1,231,012,000 | 736 |
| Average earning assets | $627,397,400 | 1,216 |
| Average equity | $122,536,400 | 806 |
| Average total loans | $216,460,600 | 2,129 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2252% | 4,944 |
| Cost of funding earning assets | 0.7337% | 1,838 |
| Net interest margin | 1.4916% | 4,966 |
| Noninterest income to average assets | 6.2301% | 90 |
| Noninterest expense to average assets | 3.2791% | 937 |
| Loan and lease loss provision to assets | 0.0317% | 3,936 |
| Net operating income to assets | 2.7024% | 117 |
| Return on assets (ROA) | 2.7024% | 120 |
| Pretax return on assets | 3.6721% | 81 |
| Return on Equity (ROE) | 27.3040% | 88 |
| Retained earnings to average equity (ytd only) | 27.3040% | 40 |
| Net charge-offs to loans | -0.0054% | 4,071 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9587% | 4,665 |
| Assets per employee ($millions) | 12.7493% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9433% | 547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 15.5013% | 4,954 |
| Net loans and leases to deposits | 19.9168% | 4,950 |
| Net loans and leases to core deposits | 20.9088% | 4,951 |
| Total domestic deposits to total assets | 77.8302% | 4,222 |
| Equity capital to assets | 10.1583% | 3,094 |
| Core capital (leverage) ratio | 9.5427% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1732% | 1,772 |
| Memoranda: | ||
| Average total assets | $1,209,825,750 | 738 |
| Average earning assets | $610,614,000 | 1,227 |
| Average equity | $119,740,250 | 820 |
| Average total loans | $222,177,250 | 2,090 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4265% | 4,977 |
| Cost of funding earning assets | 0.8332% | 1,664 |
| Net interest margin | 1.5933% | 5,007 |
| Noninterest income to average assets | 8.0173% | 75 |
| Noninterest expense to average assets | 3.4358% | 811 |
| Loan and lease loss provision to assets | 0.0149% | 4,041 |
| Net operating income to assets | 3.9706% | 48 |
| Return on assets (ROA) | 3.9706% | 49 |
| Pretax return on assets | 5.3946% | 38 |
| Return on Equity (ROE) | 40.5103% | 31 |
| Retained earnings to average equity (ytd only) | 40.5103% | 13 |
| Net charge-offs to loans | -0.0044% | 3,981 |
| Credit loss provision to net charge-offs | -1,760.0000% | 3,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8434% | 4,943 |
| Assets per employee ($millions) | 13.9455% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7762% | 694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 14.8845% | 4,988 |
| Net loans and leases to deposits | 21.1231% | 4,980 |
| Net loans and leases to core deposits | 21.8001% | 4,978 |
| Total domestic deposits to total assets | 70.4655% | 4,772 |
| Equity capital to assets | 9.3180% | 3,817 |
| Core capital (leverage) ratio | 9.4214% | 3,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1006% | 2,138 |
| Memoranda: | ||
| Average total assets | $1,179,625,000 | 744 |
| Average earning assets | $613,060,000 | 1,200 |
| Average equity | $115,620,000 | 839 |
| Average total loans | $227,710,333 | 2,027 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9657% | 4,963 |
| Cost of funding earning assets | 0.8416% | 2,158 |
| Net interest margin | 2.1240% | 4,984 |
| Noninterest income to average assets | 14.9892% | 45 |
| Noninterest expense to average assets | 4.2783% | 380 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 8.6227% | 18 |
| Return on assets (ROA) | 8.6227% | 19 |
| Pretax return on assets | 11.8672% | 16 |
| Return on Equity (ROE) | 85.1955% | 5 |
| Retained earnings to average equity (ytd only) | 85.1955% | 2 |
| Net charge-offs to loans | -0.0085% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.4984% | 5,074 |
| Assets per employee ($millions) | 14.0698% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 1,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 16.3339% | 5,025 |
| Net loans and leases to deposits | 27.8561% | 4,993 |
| Net loans and leases to core deposits | 30.4482% | 4,981 |
| Total domestic deposits to total assets | 58.6368% | 5,031 |
| Equity capital to assets | 8.4792% | 4,847 |
| Core capital (leverage) ratio | 12.0305% | 1,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7919% | 2,800 |
| Memoranda: | ||
| Average total assets | $1,065,191,500 | 780 |
| Average earning assets | $579,837,500 | 1,223 |
| Average equity | $107,808,500 | 889 |
| Average total loans | $234,846,500 | 1,966 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9724% | 4,318 |
| Cost of funding earning assets | 1.4145% | 532 |
| Net interest margin | 2.5579% | 4,938 |
| Noninterest income to average assets | 4.5732% | 98 |
| Noninterest expense to average assets | 4.5546% | 291 |
| Loan and lease loss provision to assets | -0.1431% | 5,102 |
| Net operating income to assets | 1.5023% | 1,049 |
| Return on assets (ROA) | 1.4723% | 1,185 |
| Pretax return on assets | 2.0015% | 601 |
| Return on Equity (ROE) | 14.3446% | 834 |
| Retained earnings to average equity (ytd only) | 11.3275% | 291 |
| Net charge-offs to loans | -0.0071% | 4,393 |
| Credit loss provision to net charge-offs | 5,250.0000% | 85 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3790% | 2,116 |
| Assets per employee ($millions) | 7.1624% | 985 |
| Cash dividends to net income (ytd only)* | 21.0331% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5662% | 1,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 32.1364% | 4,934 |
| Net loans and leases to deposits | 40.0225% | 4,906 |
| Net loans and leases to core deposits | 40.2887% | 4,941 |
| Total domestic deposits to total assets | 80.2958% | 3,916 |
| Equity capital to assets | 13.3144% | 1,361 |
| Core capital (leverage) ratio | 11.3432% | 2,220 |
| Tier 1 risk-based capital ratio | 19.6618% | 1,379 |
| Total risk-based capital ratio | 20.4235% | 1,449 |
| Memoranda: | ||
| Average total assets | $807,295,200 | 968 |
| Average earning assets | $592,640,800 | 1,169 |
| Average equity | $82,860,400 | 1,054 |
| Average total loans | $309,581,400 | 1,566 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1079% | 4,136 |
| Cost of funding earning assets | 1.4783% | 437 |
| Net interest margin | 2.6296% | 4,984 |
| Noninterest income to average assets | 4.0841% | 113 |
| Noninterest expense to average assets | 4.2533% | 386 |
| Loan and lease loss provision to assets | 0.0298% | 3,305 |
| Net operating income to assets | 1.3059% | 1,833 |
| Return on assets (ROA) | 1.2670% | 2,037 |
| Pretax return on assets | 1.7424% | 1,214 |
| Return on Equity (ROE) | 13.2011% | 1,203 |
| Retained earnings to average equity (ytd only) | 9.0082% | 1,042 |
| Net charge-offs to loans | -0.0065% | 4,272 |
| Credit loss provision to net charge-offs | -1,156.2500% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9764% | 2,118 |
| Assets per employee ($millions) | 8.4610% | 578 |
| Cash dividends to net income (ytd only)* | 31.7622% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9425% | 519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 28.8735% | 5,068 |
| Net loans and leases to deposits | 37.4560% | 5,043 |
| Net loans and leases to core deposits | 39.5990% | 5,045 |
| Total domestic deposits to total assets | 77.0862% | 4,505 |
| Equity capital to assets | 10.4339% | 3,605 |
| Core capital (leverage) ratio | 9.5081% | 4,157 |
| Tier 1 risk-based capital ratio | 15.7790% | 2,524 |
| Total risk-based capital ratio | 16.6454% | 2,608 |
| Memoranda: | ||
| Average total assets | $828,268,000 | 949 |
| Average earning assets | $627,006,750 | 1,100 |
| Average equity | $79,496,250 | 1,093 |
| Average total loans | $327,933,000 | 1,520 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9960% | 4,384 |
| Cost of funding earning assets | 1.3692% | 600 |
| Net interest margin | 2.6268% | 5,055 |
| Noninterest income to average assets | 3.8250% | 120 |
| Noninterest expense to average assets | 4.1470% | 443 |
| Loan and lease loss provision to assets | 0.0456% | 2,905 |
| Net operating income to assets | 1.2662% | 1,889 |
| Return on assets (ROA) | 1.2066% | 2,189 |
| Pretax return on assets | 1.6650% | 1,351 |
| Return on Equity (ROE) | 12.9803% | 1,252 |
| Retained earnings to average equity (ytd only) | 6.3482% | 2,118 |
| Net charge-offs to loans | -0.0063% | 4,187 |
| Credit loss provision to net charge-offs | -1,681.8182% | 4,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8545% | 2,244 |
| Assets per employee ($millions) | 8.7195% | 525 |
| Cash dividends to net income (ytd only)* | 51.0934% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 1,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 40.3374% | 4,833 |
| Net loans and leases to deposits | 53.4433% | 4,702 |
| Net loans and leases to core deposits | 54.2764% | 4,773 |
| Total domestic deposits to total assets | 75.4770% | 4,729 |
| Equity capital to assets | 8.8549% | 4,875 |
| Core capital (leverage) ratio | 9.3801% | 4,273 |
| Tier 1 risk-based capital ratio | 12.7401% | 3,986 |
| Total risk-based capital ratio | 13.5530% | 4,108 |
| Memoranda: | ||
| Average total assets | $811,043,000 | 963 |
| Average earning assets | $650,893,670 | 1,061 |
| Average equity | $75,391,000 | 1,133 |
| Average total loans | $350,876,330 | 1,429 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7886% | 4,722 |
| Cost of funding earning assets | 1.2146% | 864 |
| Net interest margin | 2.5740% | 5,154 |
| Noninterest income to average assets | 3.4156% | 123 |
| Noninterest expense to average assets | 4.2204% | 391 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9991% | 2,843 |
| Return on assets (ROA) | 0.9991% | 2,881 |
| Pretax return on assets | 1.3785% | 2,160 |
| Return on Equity (ROE) | 10.4628% | 2,171 |
| Retained earnings to average equity (ytd only) | -3.1041% | 4,819 |
| Net charge-offs to loans | -0.0058% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3332% | 1,572 |
| Assets per employee ($millions) | 8.4923% | 561 |
| Cash dividends to net income (ytd only)* | 129.6680% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 1,882 |
| Loan loss allowance to noncurrent loans | 298.3961% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 3,826 |
| Noncurrent loans to loans | 0.4515% | 2,965 |
| Net loans and leases to total assets | 42.9994% | 4,788 |
| Net loans and leases to deposits | 55.6526% | 4,615 |
| Net loans and leases to core deposits | 56.5372% | 4,689 |
| Total domestic deposits to total assets | 77.2638% | 4,625 |
| Equity capital to assets | 8.9865% | 4,695 |
| Core capital (leverage) ratio | 9.9721% | 3,635 |
| Tier 1 risk-based capital ratio | 15.2829% | 2,757 |
| Total risk-based capital ratio | 16.2580% | 2,809 |
| Memoranda: | ||
| Average total assets | $771,868,000 | 1,006 |
| Average earning assets | $654,707,500 | 1,066 |
| Average equity | $73,709,000 | 1,151 |
| Average total loans | $344,421,500 | 1,464 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4967% | 4,918 |
| Cost of funding earning assets | 0.9659% | 856 |
| Net interest margin | 2.5308% | 5,202 |
| Noninterest income to average assets | 3.6343% | 118 |
| Noninterest expense to average assets | 4.1917% | 402 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1762% | 2,282 |
| Return on assets (ROA) | 1.1762% | 2,272 |
| Pretax return on assets | 1.5968% | 1,480 |
| Return on Equity (ROE) | 13.1957% | 1,271 |
| Retained earnings to average equity (ytd only) | 10.3028% | 570 |
| Net charge-offs to loans | -0.0457% | 4,946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3695% | 1,854 |
| Assets per employee ($millions) | 7.6594% | 751 |
| Cash dividends to net income (ytd only)* | 21.9226% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 1,399 |
| Loan loss allowance to noncurrent loans | 292.6711% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 3,688 |
| Noncurrent loans to loans | 0.5006% | 2,773 |
| Net loans and leases to total assets | 45.1352% | 4,776 |
| Net loans and leases to deposits | 59.8114% | 4,491 |
| Net loans and leases to core deposits | 62.7100% | 4,506 |
| Total domestic deposits to total assets | 75.4624% | 4,817 |
| Equity capital to assets | 10.1934% | 3,477 |
| Core capital (leverage) ratio | 9.4192% | 4,213 |
| Tier 1 risk-based capital ratio | 17.7702% | 1,822 |
| Total risk-based capital ratio | 18.8949% | 1,813 |
| Memoranda: | ||
| Average total assets | $775,600,600 | 971 |
| Average earning assets | $660,184,800 | 1,040 |
| Average equity | $69,136,400 | 1,171 |
| Average total loans | $324,066,800 | 1,502 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3963% | 5,039 |
| Cost of funding earning assets | 0.8867% | 974 |
| Net interest margin | 2.5095% | 5,281 |
| Noninterest income to average assets | 3.3499% | 145 |
| Noninterest expense to average assets | 4.0659% | 483 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0200% | 3,003 |
| Return on assets (ROA) | 1.0200% | 3,020 |
| Pretax return on assets | 1.4184% | 2,169 |
| Return on Equity (ROE) | 11.8302% | 1,859 |
| Retained earnings to average equity (ytd only) | 7.9129% | 1,697 |
| Net charge-offs to loans | -0.0587% | 4,990 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0908% | 1,581 |
| Assets per employee ($millions) | 8.3880% | 551 |
| Cash dividends to net income (ytd only)* | 33.1126% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 1,390 |
| Loan loss allowance to noncurrent loans | 237.1499% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 3,658 |
| Noncurrent loans to loans | 0.6270% | 2,521 |
| Net loans and leases to total assets | 40.5524% | 5,013 |
| Net loans and leases to deposits | 50.8724% | 4,923 |
| Net loans and leases to core deposits | 54.3933% | 4,900 |
| Total domestic deposits to total assets | 79.7139% | 4,175 |
| Equity capital to assets | 8.7071% | 4,792 |
| Core capital (leverage) ratio | 9.5005% | 4,171 |
| Tier 1 risk-based capital ratio | 18.5733% | 1,640 |
| Total risk-based capital ratio | 19.7950% | 1,611 |
| Memoranda: | ||
| Average total assets | $789,505,250 | 960 |
| Average earning assets | $671,505,750 | 1,026 |
| Average equity | $68,072,750 | 1,184 |
| Average total loans | $322,634,250 | 1,515 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3828% | 5,059 |
| Cost of funding earning assets | 0.8266% | 1,017 |
| Net interest margin | 2.5562% | 5,299 |
| Noninterest income to average assets | 3.0021% | 162 |
| Noninterest expense to average assets | 3.9732% | 552 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8873% | 3,509 |
| Return on assets (ROA) | 0.8873% | 3,514 |
| Pretax return on assets | 1.2347% | 2,793 |
| Return on Equity (ROE) | 10.3242% | 2,413 |
| Retained earnings to average equity (ytd only) | 10.3242% | 832 |
| Net charge-offs to loans | -0.0851% | 5,110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2435% | 1,398 |
| Assets per employee ($millions) | 7.7488% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 1,340 |
| Loan loss allowance to noncurrent loans | 198.7222% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 3,490 |
| Noncurrent loans to loans | 0.7643% | 2,210 |
| Net loans and leases to total assets | 41.1628% | 5,020 |
| Net loans and leases to deposits | 55.7516% | 4,765 |
| Net loans and leases to core deposits | 58.0651% | 4,791 |
| Total domestic deposits to total assets | 73.8326% | 5,059 |
| Equity capital to assets | 9.0321% | 4,532 |
| Core capital (leverage) ratio | 9.1891% | 4,474 |
| Tier 1 risk-based capital ratio | 18.7324% | 1,616 |
| Total risk-based capital ratio | 19.9724% | 1,583 |
| Memoranda: | ||
| Average total assets | $789,849,000 | 959 |
| Average earning assets | $681,571,000 | 1,014 |
| Average equity | $67,879,330 | 1,186 |
| Average total loans | $321,988,670 | 1,515 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1877% | 5,243 |
| Cost of funding earning assets | 0.7126% | 1,377 |
| Net interest margin | 2.4750% | 5,410 |
| Noninterest income to average assets | 2.3650% | 213 |
| Noninterest expense to average assets | 3.5206% | 965 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7319% | 3,979 |
| Return on assets (ROA) | 0.7319% | 3,984 |
| Pretax return on assets | 1.0185% | 3,470 |
| Return on Equity (ROE) | 8.7257% | 3,038 |
| Retained earnings to average equity (ytd only) | 8.7257% | 1,564 |
| Net charge-offs to loans | -0.0062% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5066% | 1,406 |
| Assets per employee ($millions) | 8.1933% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 1,752 |
| Loan loss allowance to noncurrent loans | 860.3670% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 4,745 |
| Noncurrent loans to loans | 0.1654% | 4,235 |
| Net loans and leases to total assets | 41.2896% | 5,012 |
| Net loans and leases to deposits | 55.8632% | 4,699 |
| Net loans and leases to core deposits | 59.3613% | 4,685 |
| Total domestic deposits to total assets | 73.9120% | 5,166 |
| Equity capital to assets | 8.5235% | 4,954 |
| Core capital (leverage) ratio | 8.7151% | 4,977 |
| Tier 1 risk-based capital ratio | 17.6427% | 1,936 |
| Total risk-based capital ratio | 18.8108% | 1,913 |
| Memoranda: | ||
| Average total assets | $805,081,500 | 957 |
| Average earning assets | $707,220,500 | 988 |
| Average equity | $67,525,000 | 1,203 |
| Average total loans | $324,280,500 | 1,506 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9306% | 5,396 |
| Cost of funding earning assets | 0.5327% | 2,087 |
| Net interest margin | 2.3979% | 5,465 |
| Noninterest income to average assets | 2.5187% | 218 |
| Noninterest expense to average assets | 3.5093% | 1,015 |
| Loan and lease loss provision to assets | 0.0126% | 4,038 |
| Net operating income to assets | 0.5688% | 4,150 |
| Return on assets (ROA) | 0.5688% | 4,185 |
| Pretax return on assets | 1.1385% | 3,026 |
| Return on Equity (ROE) | 6.5387% | 3,510 |
| Retained earnings to average equity (ytd only) | 1.0294% | 4,622 |
| Net charge-offs to loans | -0.0069% | 4,705 |
| Credit loss provision to net charge-offs | -476.1905% | 4,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2463% | 1,726 |
| Assets per employee ($millions) | 8.7618% | 484 |
| Cash dividends to net income (ytd only)* | 84.2572% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 1,515 |
| Loan loss allowance to noncurrent loans | 821.7544% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 4,779 |
| Noncurrent loans to loans | 0.1786% | 4,207 |
| Net loans and leases to total assets | 38.1763% | 5,214 |
| Net loans and leases to deposits | 48.0295% | 5,125 |
| Net loans and leases to core deposits | 50.3382% | 5,124 |
| Total domestic deposits to total assets | 79.4851% | 4,447 |
| Equity capital to assets | 8.2573% | 5,277 |
| Core capital (leverage) ratio | 8.1336% | 5,387 |
| Tier 1 risk-based capital ratio | 17.0085% | 2,089 |
| Total risk-based capital ratio | 18.1562% | 2,065 |
| Memoranda: | ||
| Average total assets | $792,904,400 | 940 |
| Average earning assets | $708,156,200 | 969 |
| Average equity | $68,973,600 | 1,155 |
| Average total loans | $304,261,600 | 1,552 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8920% | 5,485 |
| Cost of funding earning assets | 0.5016% | 2,247 |
| Net interest margin | 2.3904% | 5,531 |
| Noninterest income to average assets | 2.6393% | 216 |
| Noninterest expense to average assets | 3.5500% | 920 |
| Loan and lease loss provision to assets | 0.0170% | 3,804 |
| Net operating income to assets | 0.7437% | 3,764 |
| Return on assets (ROA) | 0.7437% | 3,830 |
| Pretax return on assets | 1.2054% | 2,883 |
| Return on Equity (ROE) | 8.4373% | 2,910 |
| Retained earnings to average equity (ytd only) | 4.9699% | 2,908 |
| Net charge-offs to loans | -0.0067% | 4,522 |
| Credit loss provision to net charge-offs | -666.6667% | 4,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3329% | 1,844 |
| Assets per employee ($millions) | 8.5858% | 506 |
| Cash dividends to net income (ytd only)* | 41.0959% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4725% | 1,635 |
| Loan loss allowance to noncurrent loans | 791.5398% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 4,878 |
| Noncurrent loans to loans | 0.1860% | 4,325 |
| Net loans and leases to total assets | 37.9768% | 5,269 |
| Net loans and leases to deposits | 49.8876% | 5,131 |
| Net loans and leases to core deposits | 54.1567% | 5,066 |
| Total domestic deposits to total assets | 76.1249% | 5,004 |
| Equity capital to assets | 8.5948% | 5,226 |
| Core capital (leverage) ratio | 8.4247% | 5,297 |
| Tier 1 risk-based capital ratio | 16.9811% | 2,159 |
| Total risk-based capital ratio | 18.0996% | 2,160 |
| Memoranda: | ||
| Average total assets | $785,227,750 | 955 |
| Average earning assets | $700,665,000 | 982 |
| Average equity | $69,215,000 | 1,157 |
| Average total loans | $300,550,000 | 1,577 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8130% | 5,553 |
| Cost of funding earning assets | 0.4400% | 2,693 |
| Net interest margin | 2.3730% | 5,583 |
| Noninterest income to average assets | 2.6469% | 211 |
| Noninterest expense to average assets | 3.5415% | 949 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7415% | 3,665 |
| Return on assets (ROA) | 0.7415% | 3,730 |
| Pretax return on assets | 1.2201% | 2,698 |
| Return on Equity (ROE) | 8.3381% | 2,855 |
| Retained earnings to average equity (ytd only) | 3.0958% | 3,867 |
| Net charge-offs to loans | -0.0068% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3215% | 1,957 |
| Assets per employee ($millions) | 8.0461% | 607 |
| Cash dividends to net income (ytd only)* | 62.8711% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4838% | 1,632 |
| Loan loss allowance to noncurrent loans | 746.0033% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 4,884 |
| Noncurrent loans to loans | 0.1989% | 4,322 |
| Net loans and leases to total assets | 38.9033% | 5,262 |
| Net loans and leases to deposits | 54.7220% | 4,921 |
| Net loans and leases to core deposits | 59.4012% | 4,850 |
| Total domestic deposits to total assets | 71.0925% | 5,504 |
| Equity capital to assets | 8.8854% | 5,005 |
| Core capital (leverage) ratio | 8.6589% | 5,081 |
| Tier 1 risk-based capital ratio | 17.1984% | 2,103 |
| Total risk-based capital ratio | 18.3305% | 2,086 |
| Memoranda: | ||
| Average total assets | $772,225,670 | 971 |
| Average earning assets | $688,166,000 | 997 |
| Average equity | $68,673,000 | 1,170 |
| Average total loans | $294,834,670 | 1,603 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7340% | 5,630 |
| Cost of funding earning assets | 0.3611% | 3,401 |
| Net interest margin | 2.3729% | 5,628 |
| Noninterest income to average assets | 2.8777% | 202 |
| Noninterest expense to average assets | 3.6490% | 829 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8171% | 3,142 |
| Return on assets (ROA) | 0.8171% | 3,199 |
| Pretax return on assets | 1.3404% | 2,097 |
| Return on Equity (ROE) | 9.1841% | 2,322 |
| Retained earnings to average equity (ytd only) | 9.1841% | 1,022 |
| Net charge-offs to loans | -0.0097% | 4,406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0821% | 2,393 |
| Assets per employee ($millions) | 8.2687% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 1,576 |
| Loan loss allowance to noncurrent loans | 714.0625% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 4,939 |
| Noncurrent loans to loans | 0.2145% | 4,340 |
| Net loans and leases to total assets | 38.2111% | 5,314 |
| Net loans and leases to deposits | 51.8607% | 5,040 |
| Net loans and leases to core deposits | 55.1124% | 5,019 |
| Total domestic deposits to total assets | 73.6803% | 5,440 |
| Equity capital to assets | 8.9868% | 4,814 |
| Core capital (leverage) ratio | 8.8618% | 4,890 |
| Tier 1 risk-based capital ratio | 17.6779% | 1,981 |
| Total risk-based capital ratio | 18.8314% | 1,963 |
| Memoranda: | ||
| Average total assets | $768,104,000 | 974 |
| Average earning assets | $683,552,500 | 1,002 |
| Average equity | $68,335,500 | 1,168 |
| Average total loans | $288,151,500 | 1,635 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5680% | 5,736 |
| Cost of funding earning assets | 0.2166% | 4,871 |
| Net interest margin | 2.3514% | 5,680 |
| Noninterest income to average assets | 2.7767% | 226 |
| Noninterest expense to average assets | 3.4285% | 1,296 |
| Loan and lease loss provision to assets | -0.0313% | 5,537 |
| Net operating income to assets | 0.8226% | 3,195 |
| Return on assets (ROA) | 0.8226% | 3,293 |
| Pretax return on assets | 1.3574% | 2,072 |
| Return on Equity (ROE) | 9.5629% | 2,159 |
| Retained earnings to average equity (ytd only) | 3.0179% | 3,755 |
| Net charge-offs to loans | -0.1159% | 5,628 |
| Credit loss provision to net charge-offs | 75.3012% | 3,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0563% | 2,583 |
| Assets per employee ($millions) | 8.4310% | 511 |
| Cash dividends to net income (ytd only)* | 68.4411% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6420% | 1,278 |
| Loan loss allowance to noncurrent loans | 689.2749% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 4,990 |
| Noncurrent loans to loans | 0.2382% | 4,295 |
| Net loans and leases to total assets | 35.6262% | 5,497 |
| Net loans and leases to deposits | 46.5995% | 5,346 |
| Net loans and leases to core deposits | 50.7041% | 5,279 |
| Total domestic deposits to total assets | 76.4519% | 5,188 |
| Equity capital to assets | 8.8063% | 5,004 |
| Core capital (leverage) ratio | 8.3021% | 5,436 |
| Tier 1 risk-based capital ratio | 18.5283% | 1,720 |
| Total risk-based capital ratio | 19.7642% | 1,688 |
| Memoranda: | ||
| Average total assets | $799,334,000 | 906 |
| Average earning assets | $672,359,200 | 988 |
| Average equity | $68,755,400 | 1,140 |
| Average total loans | $286,495,200 | 1,581 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6409% | 5,784 |
| Cost of funding earning assets | 0.1974% | 5,096 |
| Net interest margin | 2.4434% | 5,689 |
| Noninterest income to average assets | 3.0097% | 207 |
| Noninterest expense to average assets | 3.4913% | 1,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9342% | 2,728 |
| Return on assets (ROA) | 0.9342% | 2,853 |
| Pretax return on assets | 1.5459% | 1,554 |
| Return on Equity (ROE) | 10.9227% | 1,698 |
| Retained earnings to average equity (ytd only) | 7.0610% | 1,595 |
| Net charge-offs to loans | -0.1349% | 5,666 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2610% | 3,008 |
| Assets per employee ($millions) | 9.4486% | 356 |
| Cash dividends to net income (ytd only)* | 35.3544% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6301% | 1,382 |
| Loan loss allowance to noncurrent loans | 680.8845% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 5,116 |
| Noncurrent loans to loans | 0.2394% | 4,412 |
| Net loans and leases to total assets | 33.1352% | 5,651 |
| Net loans and leases to deposits | 45.2292% | 5,481 |
| Net loans and leases to core deposits | 49.4604% | 5,407 |
| Total domestic deposits to total assets | 73.2605% | 5,498 |
| Equity capital to assets | 8.2069% | 5,669 |
| Core capital (leverage) ratio | 7.6833% | 5,792 |
| Tier 1 risk-based capital ratio | 15.3054% | 2,912 |
| Total risk-based capital ratio | 16.3490% | 2,937 |
| Memoranda: | ||
| Average total assets | $807,362,000 | 900 |
| Average earning assets | $669,911,250 | 994 |
| Average equity | $69,053,250 | 1,145 |
| Average total loans | $288,645,250 | 1,574 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5928% | 5,876 |
| Cost of funding earning assets | 0.1688% | 5,423 |
| Net interest margin | 2.4240% | 5,792 |
| Noninterest income to average assets | 2.9782% | 204 |
| Noninterest expense to average assets | 3.4919% | 1,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9157% | 2,788 |
| Return on assets (ROA) | 0.9157% | 2,919 |
| Pretax return on assets | 1.5047% | 1,653 |
| Return on Equity (ROE) | 10.5490% | 1,830 |
| Retained earnings to average equity (ytd only) | 4.6917% | 2,925 |
| Net charge-offs to loans | -0.1984% | 5,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8346% | 3,006 |
| Assets per employee ($millions) | 9.4669% | 333 |
| Cash dividends to net income (ytd only)* | 55.5247% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5844% | 1,572 |
| Loan loss allowance to noncurrent loans | 670.5634% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 5,197 |
| Noncurrent loans to loans | 0.2363% | 4,498 |
| Net loans and leases to total assets | 33.9553% | 5,678 |
| Net loans and leases to deposits | 48.4154% | 5,412 |
| Net loans and leases to core deposits | 52.9171% | 5,326 |
| Total domestic deposits to total assets | 70.1333% | 5,776 |
| Equity capital to assets | 7.9310% | 5,824 |
| Core capital (leverage) ratio | 8.0871% | 5,676 |
| Tier 1 risk-based capital ratio | 14.1915% | 3,499 |
| Total risk-based capital ratio | 15.1867% | 3,559 |
| Memoranda: | ||
| Average total assets | $786,725,000 | 918 |
| Average earning assets | $655,126,670 | 1,015 |
| Average equity | $68,291,000 | 1,154 |
| Average total loans | $287,257,670 | 1,579 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5195% | 5,959 |
| Cost of funding earning assets | 0.1633% | 5,525 |
| Net interest margin | 2.3562% | 5,897 |
| Noninterest income to average assets | 3.0572% | 197 |
| Noninterest expense to average assets | 3.6658% | 941 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8434% | 3,017 |
| Return on assets (ROA) | 0.8434% | 3,146 |
| Pretax return on assets | 1.3827% | 1,951 |
| Return on Equity (ROE) | 9.2491% | 2,307 |
| Retained earnings to average equity (ytd only) | 9.2491% | 1,039 |
| Net charge-offs to loans | -0.0100% | 4,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5580% | 2,715 |
| Assets per employee ($millions) | 9.1532% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 1,800 |
| Loan loss allowance to noncurrent loans | 444.7421% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 5,089 |
| Noncurrent loans to loans | 0.3479% | 4,187 |
| Net loans and leases to total assets | 34.6261% | 5,694 |
| Net loans and leases to deposits | 44.8355% | 5,561 |
| Net loans and leases to core deposits | 48.2458% | 5,503 |
| Total domestic deposits to total assets | 77.2293% | 5,261 |
| Equity capital to assets | 8.3430% | 5,669 |
| Core capital (leverage) ratio | 8.6519% | 5,232 |
| Tier 1 risk-based capital ratio | 15.3722% | 2,982 |
| Total risk-based capital ratio | 16.3889% | 3,028 |
| Memoranda: | ||
| Average total assets | $744,608,000 | 968 |
| Average earning assets | $629,328,000 | 1,040 |
| Average equity | $67,898,500 | 1,154 |
| Average total loans | $280,637,500 | 1,614 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5035% | 5,997 |
| Cost of funding earning assets | 0.1300% | 5,814 |
| Net interest margin | 2.3735% | 5,907 |
| Noninterest income to average assets | 2.6753% | 246 |
| Noninterest expense to average assets | 3.3648% | 1,561 |
| Loan and lease loss provision to assets | -0.0596% | 5,772 |
| Net operating income to assets | 0.8299% | 3,195 |
| Return on assets (ROA) | 0.8299% | 3,269 |
| Pretax return on assets | 1.3978% | 1,914 |
| Return on Equity (ROE) | 8.1490% | 2,873 |
| Retained earnings to average equity (ytd only) | -3.5614% | 5,850 |
| Net charge-offs to loans | -0.3618% | 6,042 |
| Credit loss provision to net charge-offs | 43.3369% | 3,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4829% | 2,987 |
| Assets per employee ($millions) | 7.2329% | 809 |
| Cash dividends to net income (ytd only)* | 143.7040% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6483% | 1,479 |
| Loan loss allowance to noncurrent loans | 700.4695% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 5,236 |
| Noncurrent loans to loans | 0.2353% | 4,581 |
| Net loans and leases to total assets | 40.1351% | 5,501 |
| Net loans and leases to deposits | 51.1840% | 5,325 |
| Net loans and leases to core deposits | 52.4837% | 5,395 |
| Total domestic deposits to total assets | 78.4133% | 5,079 |
| Equity capital to assets | 10.0790% | 3,876 |
| Core capital (leverage) ratio | 8.5067% | 5,424 |
| Tier 1 risk-based capital ratio | 17.8298% | 2,016 |
| Total risk-based capital ratio | 19.0350% | 1,974 |
| Memoranda: | ||
| Average total assets | $670,773,200 | 1,025 |
| Average earning assets | $573,039,400 | 1,086 |
| Average equity | $68,315,400 | 1,114 |
| Average total loans | $255,115,800 | 1,698 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5208% | 6,084 |
| Cost of funding earning assets | 0.1301% | 5,916 |
| Net interest margin | 2.3907% | 5,982 |
| Noninterest income to average assets | 2.4729% | 270 |
| Noninterest expense to average assets | 3.1976% | 1,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8084% | 3,393 |
| Return on assets (ROA) | 0.8084% | 3,495 |
| Pretax return on assets | 1.3136% | 2,340 |
| Return on Equity (ROE) | 7.9170% | 3,118 |
| Retained earnings to average equity (ytd only) | -1.7971% | 5,837 |
| Net charge-offs to loans | -0.2640% | 6,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8808% | 3,069 |
| Assets per employee ($millions) | 8.4370% | 452 |
| Cash dividends to net income (ytd only)* | 122.6993% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7217% | 1,422 |
| Loan loss allowance to noncurrent loans | 661.2184% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 5,413 |
| Noncurrent loans to loans | 0.2604% | 4,646 |
| Net loans and leases to total assets | 32.0298% | 5,921 |
| Net loans and leases to deposits | 40.4351% | 5,850 |
| Net loans and leases to core deposits | 41.4013% | 5,872 |
| Total domestic deposits to total assets | 79.2127% | 4,928 |
| Equity capital to assets | 8.6635% | 5,599 |
| Core capital (leverage) ratio | 9.7004% | 4,034 |
| Tier 1 risk-based capital ratio | 18.0410% | 2,012 |
| Total risk-based capital ratio | 19.2265% | 2,000 |
| Memoranda: | ||
| Average total assets | $672,110,250 | 1,029 |
| Average earning assets | $573,034,000 | 1,097 |
| Average equity | $68,627,250 | 1,114 |
| Average total loans | $251,008,500 | 1,729 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7292% | 6,059 |
| Cost of funding earning assets | 0.1375% | 5,938 |
| Net interest margin | 2.5918% | 5,893 |
| Noninterest income to average assets | 2.1912% | 320 |
| Noninterest expense to average assets | 3.1428% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7705% | 3,536 |
| Return on assets (ROA) | 0.7705% | 3,636 |
| Pretax return on assets | 1.2507% | 2,549 |
| Return on Equity (ROE) | 7.0962% | 3,554 |
| Retained earnings to average equity (ytd only) | -7.4810% | 6,111 |
| Net charge-offs to loans | -0.3935% | 6,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5325% | 3,065 |
| Assets per employee ($millions) | 6.2791% | 1,168 |
| Cash dividends to net income (ytd only)* | 205.4232% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7456% | 1,504 |
| Loan loss allowance to noncurrent loans | 630.0709% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 5,414 |
| Noncurrent loans to loans | 0.2770% | 4,680 |
| Net loans and leases to total assets | 39.8198% | 5,642 |
| Net loans and leases to deposits | 50.5074% | 5,477 |
| Net loans and leases to core deposits | 52.4393% | 5,515 |
| Total domestic deposits to total assets | 78.8394% | 5,129 |
| Equity capital to assets | 10.6799% | 3,235 |
| Core capital (leverage) ratio | 10.0871% | 3,482 |
| Tier 1 risk-based capital ratio | 19.6529% | 1,633 |
| Total risk-based capital ratio | 20.9037% | 1,600 |
| Memoranda: | ||
| Average total assets | $631,788,670 | 1,094 |
| Average earning assets | $536,855,670 | 1,182 |
| Average equity | $68,600,330 | 1,119 |
| Average total loans | $248,521,330 | 1,752 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4425% | 6,243 |
| Cost of funding earning assets | 0.1265% | 6,083 |
| Net interest margin | 2.3160% | 6,155 |
| Noninterest income to average assets | 0.9518% | 1,229 |
| Noninterest expense to average assets | 2.1378% | 5,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4709% | 4,796 |
| Return on assets (ROA) | 0.4709% | 4,915 |
| Pretax return on assets | 0.7549% | 4,410 |
| Return on Equity (ROE) | 4.3015% | 4,845 |
| Retained earnings to average equity (ytd only) | 4.3015% | 3,433 |
| Net charge-offs to loans | 0.2199% | 1,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 8.8593% | 2,052 |
| Efficiency ratio | 73.9036% | 2,835 |
| Assets per employee ($millions) | 9.0784% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 2,420 |
| Loan loss allowance to noncurrent loans | 70.0808% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 0.8109% | 3,082 |
| Noncurrent loans to loans | 2.1486% | 1,192 |
| Net loans and leases to total assets | 37.1740% | 5,765 |
| Net loans and leases to deposits | 48.7685% | 5,529 |
| Net loans and leases to core deposits | 50.5264% | 5,565 |
| Total domestic deposits to total assets | 76.2255% | 5,712 |
| Equity capital to assets | 10.3868% | 3,672 |
| Core capital (leverage) ratio | 10.8717% | 2,548 |
| Tier 1 risk-based capital ratio | 19.6705% | 1,697 |
| Total risk-based capital ratio | 20.7637% | 1,688 |
| Memoranda: | ||
| Average total assets | $633,729,500 | 1,099 |
| Average earning assets | $531,094,500 | 1,204 |
| Average equity | $69,370,500 | 1,112 |
| Average total loans | $245,545,500 | 1,772 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5037% | 6,325 |
| Cost of funding earning assets | 0.0612% | 6,418 |
| Net interest margin | 2.4426% | 6,199 |
| Noninterest income to average assets | 1.3864% | 636 |
| Noninterest expense to average assets | 2.3284% | 5,031 |
| Loan and lease loss provision to assets | -0.1058% | 6,159 |
| Net operating income to assets | 0.8046% | 3,348 |
| Return on assets (ROA) | 0.8046% | 3,443 |
| Pretax return on assets | 1.3070% | 2,221 |
| Return on Equity (ROE) | 6.6604% | 3,807 |
| Retained earnings to average equity (ytd only) | -3.1487% | 6,101 |
| Net charge-offs to loans | -0.1062% | 6,128 |
| Credit loss provision to net charge-offs | 262.6050% | 974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9681% | 4,258 |
| Assets per employee ($millions) | 8.1596% | 505 |
| Cash dividends to net income (ytd only)* | 147.2754% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6642% | 1,881 |
| Loan loss allowance to noncurrent loans | 70.1384% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 0.9462% | 2,856 |
| Noncurrent loans to loans | 2.3727% | 1,093 |
| Net loans and leases to total assets | 39.2145% | 5,788 |
| Net loans and leases to deposits | 51.4601% | 5,517 |
| Net loans and leases to core deposits | 52.9857% | 5,561 |
| Total domestic deposits to total assets | 76.2038% | 5,705 |
| Equity capital to assets | 11.5775% | 2,367 |
| Core capital (leverage) ratio | 11.2811% | 2,154 |
| Tier 1 risk-based capital ratio | 23.2702% | 1,040 |
| Total risk-based capital ratio | 24.5214% | 1,016 |
| Memoranda: | ||
| Average total assets | $590,754,800 | 1,122 |
| Average earning assets | $518,343,600 | 1,180 |
| Average equity | $71,361,800 | 1,029 |
| Average total loans | $224,007,000 | 1,872 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4382% | 6,423 |
| Cost of funding earning assets | 0.0474% | 6,524 |
| Net interest margin | 2.3908% | 6,305 |
| Noninterest income to average assets | 1.4036% | 634 |
| Noninterest expense to average assets | 2.3046% | 5,088 |
| Loan and lease loss provision to assets | -0.0452% | 6,173 |
| Net operating income to assets | 0.7739% | 3,543 |
| Return on assets (ROA) | 0.7739% | 3,652 |
| Pretax return on assets | 1.2548% | 2,554 |
| Return on Equity (ROE) | 6.3402% | 4,064 |
| Retained earnings to average equity (ytd only) | 2.6347% | 4,717 |
| Net charge-offs to loans | 0.2157% | 1,746 |
| Credit loss provision to net charge-offs | -56.0224% | 5,362 |
| Earnings coverage of net charge-offs (x) | 14.9803% | 2,093 |
| Efficiency ratio | 65.5812% | 4,279 |
| Assets per employee ($millions) | 8.7192% | 380 |
| Cash dividends to net income (ytd only)* | 58.4454% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 2,381 |
| Loan loss allowance to noncurrent loans | 64.6114% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9326% | 3,106 |
| Noncurrent loans to loans | 2.4418% | 1,212 |
| Net loans and leases to total assets | 37.5919% | 5,960 |
| Net loans and leases to deposits | 47.3865% | 5,801 |
| Net loans and leases to core deposits | 48.7387% | 5,851 |
| Total domestic deposits to total assets | 79.3303% | 5,256 |
| Equity capital to assets | 11.5442% | 2,436 |
| Core capital (leverage) ratio | 11.5723% | 2,000 |
| Tier 1 risk-based capital ratio | 24.5332% | 932 |
| Total risk-based capital ratio | 25.7837% | 918 |
| Memoranda: | ||
| Average total assets | $589,530,000 | 1,129 |
| Average earning assets | $520,431,750 | 1,180 |
| Average equity | $71,961,750 | 1,019 |
| Average total loans | $220,624,750 | 1,909 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4453% | 6,490 |
| Cost of funding earning assets | 0.0319% | 6,601 |
| Net interest margin | 2.4134% | 6,346 |
| Noninterest income to average assets | 1.5607% | 515 |
| Noninterest expense to average assets | 2.3888% | 4,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7993% | 3,340 |
| Return on assets (ROA) | 0.7993% | 3,445 |
| Pretax return on assets | 1.2972% | 2,260 |
| Return on Equity (ROE) | 6.4214% | 3,929 |
| Retained earnings to average equity (ytd only) | 0.8497% | 5,406 |
| Net charge-offs to loans | 0.6385% | 609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.4693% | 2,923 |
| Efficiency ratio | 64.8071% | 4,568 |
| Assets per employee ($millions) | 8.4164% | 418 |
| Cash dividends to net income (ytd only)* | 86.7679% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 2,314 |
| Loan loss allowance to noncurrent loans | 61.1576% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 0.9598% | 3,140 |
| Noncurrent loans to loans | 2.6861% | 1,128 |
| Net loans and leases to total assets | 35.1471% | 6,098 |
| Net loans and leases to deposits | 44.5637% | 5,952 |
| Net loans and leases to core deposits | 46.0609% | 5,994 |
| Total domestic deposits to total assets | 78.8693% | 5,487 |
| Equity capital to assets | 11.5213% | 2,406 |
| Core capital (leverage) ratio | 12.0849% | 1,615 |
| Tier 1 risk-based capital ratio | 25.6333% | 814 |
| Total risk-based capital ratio | 26.8839% | 791 |
| Memoranda: | ||
| Average total assets | $576,778,330 | 1,145 |
| Average earning assets | $507,911,330 | 1,210 |
| Average equity | $71,791,330 | 1,011 |
| Average total loans | $214,240,000 | 1,953 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4598% | 6,559 |
| Cost of funding earning assets | 0.0247% | 6,683 |
| Net interest margin | 2.4351% | 6,392 |
| Noninterest income to average assets | 1.7423% | 420 |
| Noninterest expense to average assets | 2.4978% | 4,631 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8516% | 2,887 |
| Return on assets (ROA) | 0.8516% | 2,959 |
| Pretax return on assets | 1.3825% | 1,811 |
| Return on Equity (ROE) | 6.5674% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.5674% | 2,244 |
| Net charge-offs to loans | -0.0133% | 5,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3708% | 4,802 |
| Assets per employee ($millions) | 7.9063% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0101% | 1,496 |
| Loan loss allowance to noncurrent loans | 52.0536% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 1.4670% | 2,418 |
| Noncurrent loans to loans | 3.8616% | 706 |
| Net loans and leases to total assets | 37.2256% | 6,002 |
| Net loans and leases to deposits | 45.6697% | 5,871 |
| Net loans and leases to core deposits | 47.1590% | 5,921 |
| Total domestic deposits to total assets | 81.5104% | 5,088 |
| Equity capital to assets | 12.7166% | 1,450 |
| Core capital (leverage) ratio | 12.6793% | 1,305 |
| Tier 1 risk-based capital ratio | 26.5999% | 738 |
| Total risk-based capital ratio | 27.8541% | 726 |
| Memoranda: | ||
| Average total assets | $553,760,500 | 1,210 |
| Average earning assets | $486,225,000 | 1,276 |
| Average equity | $71,809,000 | 1,012 |
| Average total loans | $210,081,500 | 1,977 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2911% | 6,672 |
| Cost of funding earning assets | 0.0395% | 6,758 |
| Net interest margin | 2.2516% | 6,552 |
| Noninterest income to average assets | 1.5904% | 567 |
| Noninterest expense to average assets | 2.5459% | 4,624 |
| Loan and lease loss provision to assets | 0.0290% | 4,532 |
| Net operating income to assets | 0.6247% | 4,136 |
| Return on assets (ROA) | 0.6247% | 4,254 |
| Pretax return on assets | 0.9460% | 3,576 |
| Return on Equity (ROE) | 5.2824% | 4,505 |
| Retained earnings to average equity (ytd only) | 1.7343% | 5,002 |
| Net charge-offs to loans | 0.5649% | 1,163 |
| Credit loss provision to net charge-offs | 15.6987% | 4,519 |
| Earnings coverage of net charge-offs (x) | 5.2713% | 3,343 |
| Efficiency ratio | 72.3078% | 3,417 |
| Assets per employee ($millions) | 7.2739% | 664 |
| Cash dividends to net income (ytd only)* | 67.1682% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1284% | 1,287 |
| Loan loss allowance to noncurrent loans | 48.5242% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 1.6616% | 2,225 |
| Noncurrent loans to loans | 4.3863% | 617 |
| Net loans and leases to total assets | 37.0760% | 6,154 |
| Net loans and leases to deposits | 47.3701% | 5,935 |
| Net loans and leases to core deposits | 49.2722% | 5,974 |
| Total domestic deposits to total assets | 78.2688% | 5,784 |
| Equity capital to assets | 13.2328% | 1,165 |
| Core capital (leverage) ratio | 12.4805% | 1,374 |
| Tier 1 risk-based capital ratio | 27.4415% | 645 |
| Total risk-based capital ratio | 28.6972% | 632 |
| Memoranda: | ||
| Average total assets | $595,777,200 | 1,118 |
| Average earning assets | $510,838,400 | 1,187 |
| Average equity | $70,460,400 | 1,012 |
| Average total loans | $195,093,800 | 2,048 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2102% | 6,766 |
| Cost of funding earning assets | 0.0430% | 6,837 |
| Net interest margin | 2.1672% | 6,667 |
| Noninterest income to average assets | 1.5576% | 605 |
| Noninterest expense to average assets | 2.4647% | 4,823 |
| Loan and lease loss provision to assets | 0.0378% | 4,252 |
| Net operating income to assets | 0.6046% | 4,327 |
| Return on assets (ROA) | 0.6046% | 4,451 |
| Pretax return on assets | 0.9062% | 3,853 |
| Return on Equity (ROE) | 5.2502% | 4,596 |
| Retained earnings to average equity (ytd only) | 0.5066% | 5,765 |
| Net charge-offs to loans | 0.5101% | 1,260 |
| Credit loss provision to net charge-offs | 23.4417% | 4,005 |
| Earnings coverage of net charge-offs (x) | 5.8536% | 3,091 |
| Efficiency ratio | 72.3059% | 3,348 |
| Assets per employee ($millions) | 7.7720% | 512 |
| Cash dividends to net income (ytd only)* | 90.3506% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4569% | 980 |
| Loan loss allowance to noncurrent loans | 42.1619% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 2.0467% | 1,973 |
| Noncurrent loans to loans | 5.8273% | 448 |
| Net loans and leases to total assets | 32.9173% | 6,412 |
| Net loans and leases to deposits | 39.9178% | 6,385 |
| Net loans and leases to core deposits | 41.3735% | 6,407 |
| Total domestic deposits to total assets | 82.4627% | 4,780 |
| Equity capital to assets | 12.3977% | 1,639 |
| Core capital (leverage) ratio | 11.8261% | 1,792 |
| Tier 1 risk-based capital ratio | 28.3458% | 605 |
| Total risk-based capital ratio | 29.6042% | 592 |
| Memoranda: | ||
| Average total assets | $610,154,750 | 1,099 |
| Average earning assets | $521,151,500 | 1,176 |
| Average equity | $70,268,500 | 1,018 |
| Average total loans | $192,890,250 | 2,069 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1930% | 6,815 |
| Cost of funding earning assets | 0.0422% | 6,888 |
| Net interest margin | 2.1508% | 6,709 |
| Noninterest income to average assets | 1.5262% | 673 |
| Noninterest expense to average assets | 2.5246% | 4,648 |
| Loan and lease loss provision to assets | 0.0554% | 3,894 |
| Net operating income to assets | 0.5243% | 4,699 |
| Return on assets (ROA) | 0.5243% | 4,865 |
| Pretax return on assets | 0.7726% | 4,422 |
| Return on Equity (ROE) | 4.6608% | 4,917 |
| Retained earnings to average equity (ytd only) | -2.4571% | 6,243 |
| Net charge-offs to loans | 0.9143% | 680 |
| Credit loss provision to net charge-offs | 19.5701% | 3,741 |
| Earnings coverage of net charge-offs (x) | 2.9242% | 3,552 |
| Efficiency ratio | 75.3033% | 2,894 |
| Assets per employee ($millions) | 8.0684% | 446 |
| Cash dividends to net income (ytd only)* | 152.7184% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4137% | 1,077 |
| Loan loss allowance to noncurrent loans | 34.7806% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 2.2114% | 1,950 |
| Noncurrent loans to loans | 6.9398% | 352 |
| Net loans and leases to total assets | 30.0521% | 6,577 |
| Net loans and leases to deposits | 36.6021% | 6,537 |
| Net loans and leases to core deposits | 37.9973% | 6,540 |
| Total domestic deposits to total assets | 82.1048% | 5,025 |
| Equity capital to assets | 11.2349% | 2,536 |
| Core capital (leverage) ratio | 10.7589% | 2,607 |
| Tier 1 risk-based capital ratio | 28.6510% | 595 |
| Total risk-based capital ratio | 29.9092% | 581 |
| Memoranda: | ||
| Average total assets | $624,421,330 | 1,073 |
| Average earning assets | $530,223,670 | 1,154 |
| Average equity | $70,245,000 | 1,028 |
| Average total loans | $193,366,330 | 2,066 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1782% | 6,899 |
| Cost of funding earning assets | 0.0426% | 6,968 |
| Net interest margin | 2.1356% | 6,796 |
| Noninterest income to average assets | 1.4139% | 764 |
| Noninterest expense to average assets | 2.5015% | 4,744 |
| Loan and lease loss provision to assets | 0.1098% | 2,865 |
| Net operating income to assets | 0.4082% | 5,097 |
| Return on assets (ROA) | 0.4082% | 5,245 |
| Pretax return on assets | 0.5866% | 4,998 |
| Return on Equity (ROE) | 3.6265% | 5,286 |
| Retained earnings to average equity (ytd only) | 3.6265% | 4,068 |
| Net charge-offs to loans | 1.5049% | 360 |
| Credit loss provision to net charge-offs | 23.5054% | 2,990 |
| Earnings coverage of net charge-offs (x) | 1.4905% | 3,335 |
| Efficiency ratio | 78.2212% | 2,570 |
| Assets per employee ($millions) | 8.4791% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4207% | 1,215 |
| Loan loss allowance to noncurrent loans | 32.6828% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 2.4891% | 1,857 |
| Noncurrent loans to loans | 7.4067% | 378 |
| Net loans and leases to total assets | 30.6473% | 6,578 |
| Net loans and leases to deposits | 39.4558% | 6,443 |
| Net loans and leases to core deposits | 41.0077% | 6,439 |
| Total domestic deposits to total assets | 77.6751% | 6,161 |
| Equity capital to assets | 11.4914% | 2,420 |
| Core capital (leverage) ratio | 11.1614% | 2,125 |
| Tier 1 risk-based capital ratio | 28.0752% | 636 |
| Total risk-based capital ratio | 29.3329% | 623 |
| Memoranda: | ||
| Average total assets | $630,032,500 | 1,083 |
| Average earning assets | $526,315,500 | 1,172 |
| Average equity | $70,921,500 | 1,029 |
| Average total loans | $195,631,000 | 2,060 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6295% | 6,898 |
| Cost of funding earning assets | 0.0505% | 7,035 |
| Net interest margin | 2.5790% | 6,649 |
| Noninterest income to average assets | 1.3866% | 813 |
| Noninterest expense to average assets | 2.3454% | 5,574 |
| Loan and lease loss provision to assets | 0.0858% | 4,630 |
| Net operating income to assets | 0.6907% | 3,780 |
| Return on assets (ROA) | 0.6907% | 4,044 |
| Pretax return on assets | 1.1075% | 3,130 |
| Return on Equity (ROE) | 6.3140% | 4,008 |
| Retained earnings to average equity (ytd only) | 2.7596% | 4,296 |
| Net charge-offs to loans | 0.3224% | 3,038 |
| Credit loss provision to net charge-offs | 92.6174% | 3,363 |
| Earnings coverage of net charge-offs (x) | 12.8742% | 1,891 |
| Efficiency ratio | 66.0587% | 4,493 |
| Assets per employee ($millions) | 8.7820% | 352 |
| Cash dividends to net income (ytd only)* | 56.2936% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6766% | 949 |
| Loan loss allowance to noncurrent loans | 51.0611% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 1.7831% | 2,735 |
| Noncurrent loans to loans | 5.2419% | 737 |
| Net loans and leases to total assets | 29.8847% | 6,704 |
| Net loans and leases to deposits | 38.6863% | 6,612 |
| Net loans and leases to core deposits | 40.0996% | 6,615 |
| Total domestic deposits to total assets | 77.2487% | 6,197 |
| Equity capital to assets | 11.0303% | 2,914 |
| Core capital (leverage) ratio | 10.3792% | 2,918 |
| Tier 1 risk-based capital ratio | 26.7500% | 708 |
| Total risk-based capital ratio | 28.0104% | 701 |
| Memoranda: | ||
| Average total assets | $643,002,200 | 1,025 |
| Average earning assets | $536,560,800 | 1,124 |
| Average equity | $70,336,000 | 998 |
| Average total loans | $184,863,200 | 2,142 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4414% | 7,062 |
| Cost of funding earning assets | 0.0516% | 7,147 |
| Net interest margin | 2.3898% | 6,901 |
| Noninterest income to average assets | 1.3298% | 836 |
| Noninterest expense to average assets | 2.3397% | 5,573 |
| Loan and lease loss provision to assets | 0.0269% | 5,444 |
| Net operating income to assets | 0.6100% | 4,345 |
| Return on assets (ROA) | 0.6100% | 4,598 |
| Pretax return on assets | 0.9593% | 3,879 |
| Return on Equity (ROE) | 5.5882% | 4,542 |
| Retained earnings to average equity (ytd only) | 5.5882% | 2,970 |
| Net charge-offs to loans | 0.4494% | 2,310 |
| Credit loss provision to net charge-offs | 21.2072% | 4,935 |
| Earnings coverage of net charge-offs (x) | 7.7651% | 2,554 |
| Efficiency ratio | 70.1159% | 3,671 |
| Assets per employee ($millions) | 8.7601% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5000% | 1,211 |
| Loan loss allowance to noncurrent loans | 88.8684% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.1367% | 4,014 |
| Noncurrent loans to loans | 2.8132% | 2,001 |
| Net loans and leases to total assets | 28.2936% | 6,871 |
| Net loans and leases to deposits | 36.8197% | 6,793 |
| Net loans and leases to core deposits | 38.0363% | 6,809 |
| Total domestic deposits to total assets | 76.8438% | 6,263 |
| Equity capital to assets | 10.7946% | 3,508 |
| Core capital (leverage) ratio | 10.4656% | 2,959 |
| Tier 1 risk-based capital ratio | 27.7156% | 687 |
| Total risk-based capital ratio | 28.9737% | 668 |
| Memoranda: | ||
| Average total assets | $643,480,750 | 1,033 |
| Average earning assets | $537,483,000 | 1,141 |
| Average equity | $70,241,500 | 1,006 |
| Average total loans | $181,865,000 | 2,202 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4792% | 7,126 |
| Cost of funding earning assets | 0.0503% | 7,210 |
| Net interest margin | 2.4289% | 6,945 |
| Noninterest income to average assets | 1.2911% | 851 |
| Noninterest expense to average assets | 2.3080% | 5,712 |
| Loan and lease loss provision to assets | 0.0409% | 5,161 |
| Net operating income to assets | 0.6150% | 4,313 |
| Return on assets (ROA) | 0.6150% | 4,559 |
| Pretax return on assets | 0.9760% | 3,801 |
| Return on Equity (ROE) | 5.6127% | 4,521 |
| Retained earnings to average equity (ytd only) | 5.6127% | 2,923 |
| Net charge-offs to loans | 0.3751% | 2,515 |
| Credit loss provision to net charge-offs | 38.9222% | 4,288 |
| Earnings coverage of net charge-offs (x) | 9.6826% | 2,141 |
| Efficiency ratio | 69.1791% | 3,898 |
| Assets per employee ($millions) | 8.2455% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7845% | 961 |
| Loan loss allowance to noncurrent loans | 109.6587% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.9981% | 4,378 |
| Noncurrent loans to loans | 2.5393% | 2,372 |
| Net loans and leases to total assets | 28.0938% | 6,930 |
| Net loans and leases to deposits | 37.7462% | 6,813 |
| Net loans and leases to core deposits | 39.0811% | 6,826 |
| Total domestic deposits to total assets | 74.4280% | 6,644 |
| Equity capital to assets | 11.1453% | 2,970 |
| Core capital (leverage) ratio | 10.5196% | 2,783 |
| Tier 1 risk-based capital ratio | 28.5324% | 608 |
| Total risk-based capital ratio | 29.7934% | 594 |
| Memoranda: | ||
| Average total assets | $636,052,670 | 1,043 |
| Average earning assets | $532,591,670 | 1,149 |
| Average equity | $69,699,670 | 1,006 |
| Average total loans | $178,087,000 | 2,257 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3862% | 7,197 |
| Cost of funding earning assets | 0.0492% | 7,273 |
| Net interest margin | 2.3370% | 7,050 |
| Noninterest income to average assets | 1.1888% | 1,011 |
| Noninterest expense to average assets | 2.2770% | 5,831 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5598% | 4,546 |
| Return on assets (ROA) | 0.5598% | 4,765 |
| Pretax return on assets | 0.8821% | 4,099 |
| Return on Equity (ROE) | 5.1526% | 4,715 |
| Retained earnings to average equity (ytd only) | 5.1526% | 3,471 |
| Net charge-offs to loans | 0.8005% | 1,284 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,694 |
| Efficiency ratio | 71.8178% | 3,478 |
| Assets per employee ($millions) | 8.8944% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8657% | 945 |
| Loan loss allowance to noncurrent loans | 79.8134% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.1995% | 4,124 |
| Noncurrent loans to loans | 3.5905% | 1,731 |
| Net loans and leases to total assets | 25.5538% | 7,050 |
| Net loans and leases to deposits | 32.9798% | 6,981 |
| Net loans and leases to core deposits | 34.1023% | 6,991 |
| Total domestic deposits to total assets | 77.4833% | 6,338 |
| Equity capital to assets | 10.5980% | 3,378 |
| Core capital (leverage) ratio | 10.4101% | 2,864 |
| Tier 1 risk-based capital ratio | 29.3787% | 556 |
| Total risk-based capital ratio | 30.6403% | 544 |
| Memoranda: | ||
| Average total assets | $636,628,000 | 1,040 |
| Average earning assets | $536,748,500 | 1,139 |
| Average equity | $69,168,500 | 1,012 |
| Average total loans | $175,392,000 | 2,304 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5875% | 7,248 |
| Cost of funding earning assets | 0.0498% | 7,329 |
| Net interest margin | 2.5377% | 7,038 |
| Noninterest income to average assets | 1.3399% | 722 |
| Noninterest expense to average assets | 2.5535% | 5,273 |
| Loan and lease loss provision to assets | 0.0305% | 6,189 |
| Net operating income to assets | 0.5602% | 4,186 |
| Return on assets (ROA) | 0.5602% | 4,372 |
| Pretax return on assets | 0.9361% | 3,487 |
| Return on Equity (ROE) | 5.1736% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.1736% | 2,526 |
| Net charge-offs to loans | 0.5890% | 2,683 |
| Credit loss provision to net charge-offs | 18.1463% | 5,939 |
| Earnings coverage of net charge-offs (x) | 5.7532% | 2,692 |
| Efficiency ratio | 72.3086% | 3,516 |
| Assets per employee ($millions) | 8.7868% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9916% | 819 |
| Loan loss allowance to noncurrent loans | 61.3909% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.7426% | 3,335 |
| Noncurrent loans to loans | 4.8730% | 1,179 |
| Net loans and leases to total assets | 28.0157% | 7,058 |
| Net loans and leases to deposits | 37.2740% | 6,970 |
| Net loans and leases to core deposits | 38.4774% | 6,988 |
| Total domestic deposits to total assets | 75.1615% | 6,582 |
| Equity capital to assets | 11.1504% | 2,843 |
| Core capital (leverage) ratio | 9.9726% | 3,374 |
| Tier 1 risk-based capital ratio | 27.9175% | 630 |
| Total risk-based capital ratio | 29.1791% | 618 |
| Memoranda: | ||
| Average total assets | $610,113,200 | 1,071 |
| Average earning assets | $524,135,200 | 1,135 |
| Average equity | $66,066,400 | 1,018 |
| Average total loans | $174,024,800 | 2,328 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6162% | 7,334 |
| Cost of funding earning assets | 0.0486% | 7,404 |
| Net interest margin | 2.5676% | 7,098 |
| Noninterest income to average assets | 1.2147% | 891 |
| Noninterest expense to average assets | 2.5870% | 5,131 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5039% | 4,534 |
| Return on assets (ROA) | 0.5039% | 4,717 |
| Pretax return on assets | 0.8509% | 3,948 |
| Return on Equity (ROE) | 4.6883% | 4,670 |
| Retained earnings to average equity (ytd only) | 4.6883% | 3,389 |
| Net charge-offs to loans | 0.5946% | 2,477 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 5.0337% | 2,893 |
| Efficiency ratio | 75.0127% | 3,000 |
| Assets per employee ($millions) | 10.0915% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1604% | 756 |
| Loan loss allowance to noncurrent loans | 66.8738% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.4761% | 3,907 |
| Noncurrent loans to loans | 4.7258% | 1,360 |
| Net loans and leases to total assets | 24.0234% | 7,232 |
| Net loans and leases to deposits | 30.9929% | 7,196 |
| Net loans and leases to core deposits | 31.9961% | 7,200 |
| Total domestic deposits to total assets | 77.5126% | 6,294 |
| Equity capital to assets | 9.8365% | 4,571 |
| Core capital (leverage) ratio | 10.0201% | 3,416 |
| Tier 1 risk-based capital ratio | 28.0960% | 649 |
| Total risk-based capital ratio | 29.3589% | 636 |
| Memoranda: | ||
| Average total assets | $608,873,250 | 1,080 |
| Average earning assets | $527,218,250 | 1,141 |
| Average equity | $65,437,250 | 1,033 |
| Average total loans | $173,123,250 | 2,349 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6761% | 7,400 |
| Cost of funding earning assets | 0.0495% | 7,474 |
| Net interest margin | 2.6266% | 7,098 |
| Noninterest income to average assets | 1.2451% | 813 |
| Noninterest expense to average assets | 2.7677% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4720% | 4,636 |
| Return on assets (ROA) | 0.4720% | 4,773 |
| Pretax return on assets | 0.7700% | 4,147 |
| Return on Equity (ROE) | 4.2502% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.2502% | 3,491 |
| Net charge-offs to loans | 0.9363% | 1,664 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.7546% | 3,466 |
| Efficiency ratio | 77.9911% | 2,712 |
| Assets per employee ($millions) | 9.0903% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1619% | 788 |
| Loan loss allowance to noncurrent loans | 45.5959% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 2.4673% | 2,702 |
| Noncurrent loans to loans | 6.9346% | 751 |
| Net loans and leases to total assets | 26.8378% | 7,267 |
| Net loans and leases to deposits | 34.2301% | 7,210 |
| Net loans and leases to core deposits | 35.1810% | 7,235 |
| Total domestic deposits to total assets | 78.4040% | 6,213 |
| Equity capital to assets | 10.8755% | 3,096 |
| Core capital (leverage) ratio | 10.2797% | 2,949 |
| Tier 1 risk-based capital ratio | 28.7008% | 615 |
| Total risk-based capital ratio | 29.9582% | 600 |
| Memoranda: | ||
| Average total assets | $583,090,000 | 1,143 |
| Average earning assets | $508,945,000 | 1,195 |
| Average equity | $64,749,670 | 1,043 |
| Average total loans | $174,086,330 | 2,363 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6513% | 7,458 |
| Cost of funding earning assets | 0.0491% | 7,539 |
| Net interest margin | 2.6022% | 7,124 |
| Noninterest income to average assets | 1.0658% | 1,156 |
| Noninterest expense to average assets | 2.6781% | 4,926 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4133% | 4,888 |
| Return on assets (ROA) | 0.4133% | 4,980 |
| Pretax return on assets | 0.6581% | 4,459 |
| Return on Equity (ROE) | 3.6809% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.6809% | 3,968 |
| Net charge-offs to loans | 1.9238% | 665 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.1035% | 3,838 |
| Efficiency ratio | 80.0210% | 2,528 |
| Assets per employee ($millions) | 9.1746% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0388% | 881 |
| Loan loss allowance to noncurrent loans | 33.8310% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 3.2377% | 2,123 |
| Noncurrent loans to loans | 8.9823% | 498 |
| Net loans and leases to total assets | 27.5215% | 7,308 |
| Net loans and leases to deposits | 34.2704% | 7,265 |
| Net loans and leases to core deposits | 35.2993% | 7,282 |
| Total domestic deposits to total assets | 80.3070% | 5,868 |
| Equity capital to assets | 10.4885% | 3,185 |
| Core capital (leverage) ratio | 11.1905% | 2,035 |
| Tier 1 risk-based capital ratio | 27.6352% | 657 |
| Total risk-based capital ratio | 28.8980% | 638 |
| Memoranda: | ||
| Average total assets | $570,111,000 | 1,181 |
| Average earning assets | $497,417,000 | 1,237 |
| Average equity | $64,006,000 | 1,046 |
| Average total loans | $176,733,500 | 2,350 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9293% | 7,501 |
| Cost of funding earning assets | 0.0799% | 7,594 |
| Net interest margin | 2.8494% | 6,972 |
| Noninterest income to average assets | 1.0008% | 1,503 |
| Noninterest expense to average assets | 2.9457% | 4,052 |
| Loan and lease loss provision to assets | 0.3856% | 3,802 |
| Net operating income to assets | 0.1155% | 5,548 |
| Return on assets (ROA) | 0.2115% | 5,408 |
| Pretax return on assets | 0.2650% | 5,326 |
| Return on Equity (ROE) | 1.9892% | 5,380 |
| Retained earnings to average equity (ytd only) | 1.9892% | 4,473 |
| Net charge-offs to loans | 1.5590% | 1,403 |
| Credit loss provision to net charge-offs | 71.1948% | 5,831 |
| Earnings coverage of net charge-offs (x) | 0.9796% | 5,127 |
| Efficiency ratio | 84.4966% | 1,865 |
| Assets per employee ($millions) | 7.9624% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4371% | 614 |
| Loan loss allowance to noncurrent loans | 36.4325% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 4.3045% | 1,550 |
| Noncurrent loans to loans | 9.4340% | 468 |
| Net loans and leases to total assets | 32.8889% | 7,260 |
| Net loans and leases to deposits | 42.8782% | 7,154 |
| Net loans and leases to core deposits | 44.4859% | 7,183 |
| Total domestic deposits to total assets | 76.7031% | 6,528 |
| Equity capital to assets | 12.0907% | 1,854 |
| Core capital (leverage) ratio | 9.3880% | 3,865 |
| Tier 1 risk-based capital ratio | 26.5618% | 699 |
| Total risk-based capital ratio | 27.8281% | 687 |
| Memoranda: | ||
| Average total assets | $598,026,200 | 1,120 |
| Average earning assets | $519,542,600 | 1,184 |
| Average equity | $63,593,200 | 1,048 |
| Average total loans | $207,763,400 | 2,091 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9471% | 7,630 |
| Cost of funding earning assets | 0.0889% | 7,705 |
| Net interest margin | 2.8582% | 7,066 |
| Noninterest income to average assets | 1.0231% | 1,402 |
| Noninterest expense to average assets | 2.8481% | 4,285 |
| Loan and lease loss provision to assets | 0.4877% | 3,032 |
| Net operating income to assets | 0.1389% | 5,664 |
| Return on assets (ROA) | 0.2601% | 5,470 |
| Pretax return on assets | 0.3332% | 5,416 |
| Return on Equity (ROE) | 2.5196% | 5,423 |
| Retained earnings to average equity (ytd only) | 2.5196% | 4,657 |
| Net charge-offs to loans | 1.7125% | 1,142 |
| Credit loss provision to net charge-offs | 81.6371% | 5,088 |
| Earnings coverage of net charge-offs (x) | 1.1141% | 4,940 |
| Efficiency ratio | 80.8228% | 2,241 |
| Assets per employee ($millions) | 9.3004% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3116% | 630 |
| Loan loss allowance to noncurrent loans | 26.6759% | 6,537 |
| Noncurrent assets plus other real estate owned to assets | 4.6162% | 1,457 |
| Noncurrent loans to loans | 12.4140% | 263 |
| Net loans and leases to total assets | 30.8221% | 7,444 |
| Net loans and leases to deposits | 40.0732% | 7,364 |
| Net loans and leases to core deposits | 40.7300% | 7,410 |
| Total domestic deposits to total assets | 76.9144% | 6,497 |
| Equity capital to assets | 10.3246% | 3,734 |
| Core capital (leverage) ratio | 8.2231% | 6,005 |
| Tier 1 risk-based capital ratio | 24.0676% | 936 |
| Total risk-based capital ratio | 25.3330% | 909 |
| Memoranda: | ||
| Average total assets | $616,152,500 | 1,089 |
| Average earning assets | $536,917,000 | 1,147 |
| Average equity | $63,606,750 | 1,050 |
| Average total loans | $214,956,750 | 2,048 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0548% | 7,707 |
| Cost of funding earning assets | 0.1107% | 7,775 |
| Net interest margin | 2.9441% | 6,947 |
| Noninterest income to average assets | 1.1006% | 1,096 |
| Noninterest expense to average assets | 2.9138% | 4,023 |
| Loan and lease loss provision to assets | 0.5347% | 2,646 |
| Net operating income to assets | 0.1888% | 5,600 |
| Return on assets (ROA) | 0.2297% | 5,597 |
| Pretax return on assets | 0.2958% | 5,509 |
| Return on Equity (ROE) | 2.2252% | 5,567 |
| Retained earnings to average equity (ytd only) | 2.2252% | 4,736 |
| Net charge-offs to loans | 1.7741% | 1,048 |
| Credit loss provision to net charge-offs | 83.9386% | 4,593 |
| Earnings coverage of net charge-offs (x) | 1.2215% | 4,588 |
| Efficiency ratio | 78.7044% | 2,625 |
| Assets per employee ($millions) | 8.6262% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2792% | 655 |
| Loan loss allowance to noncurrent loans | 30.6117% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 4.2866% | 1,558 |
| Noncurrent loans to loans | 10.7124% | 388 |
| Net loans and leases to total assets | 33.5531% | 7,434 |
| Net loans and leases to deposits | 41.2245% | 7,411 |
| Net loans and leases to core deposits | 42.7168% | 7,436 |
| Total domestic deposits to total assets | 81.3913% | 5,252 |
| Equity capital to assets | 10.8374% | 3,041 |
| Core capital (leverage) ratio | 8.1766% | 5,984 |
| Tier 1 risk-based capital ratio | 23.3047% | 1,025 |
| Total risk-based capital ratio | 24.5705% | 999 |
| Memoranda: | ||
| Average total assets | $613,828,330 | 1,095 |
| Average earning assets | $540,272,330 | 1,141 |
| Average equity | $63,364,000 | 1,052 |
| Average total loans | $220,396,330 | 2,021 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9385% | 7,821 |
| Cost of funding earning assets | 0.1076% | 7,877 |
| Net interest margin | 2.8309% | 7,138 |
| Noninterest income to average assets | 0.9937% | 1,325 |
| Noninterest expense to average assets | 2.7204% | 4,812 |
| Loan and lease loss provision to assets | 0.6117% | 2,081 |
| Net operating income to assets | 0.1375% | 5,896 |
| Return on assets (ROA) | 0.2176% | 5,745 |
| Pretax return on assets | 0.2805% | 5,660 |
| Return on Equity (ROE) | 2.1595% | 5,697 |
| Retained earnings to average equity (ytd only) | 2.1595% | 4,839 |
| Net charge-offs to loans | 1.7471% | 992 |
| Credit loss provision to net charge-offs | 95.9718% | 3,525 |
| Earnings coverage of net charge-offs (x) | 1.2387% | 4,019 |
| Efficiency ratio | 77.2677% | 3,024 |
| Assets per employee ($millions) | 9.2806% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2133% | 688 |
| Loan loss allowance to noncurrent loans | 30.5534% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 4.4908% | 1,502 |
| Noncurrent loans to loans | 10.5171% | 388 |
| Net loans and leases to total assets | 33.6244% | 7,506 |
| Net loans and leases to deposits | 39.4617% | 7,535 |
| Net loans and leases to core deposits | 41.6279% | 7,533 |
| Total domestic deposits to total assets | 85.2075% | 3,562 |
| Equity capital to assets | 9.9882% | 3,891 |
| Core capital (leverage) ratio | 8.0477% | 6,166 |
| Tier 1 risk-based capital ratio | 22.0875% | 1,191 |
| Total risk-based capital ratio | 23.3526% | 1,171 |
| Memoranda: | ||
| Average total assets | $623,140,000 | 1,108 |
| Average earning assets | $553,890,000 | 1,127 |
| Average equity | $62,793,500 | 1,068 |
| Average total loans | $227,354,000 | 2,011 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 7,670 |
| Cost of funding earning assets | 0.5480% | 7,804 |
| Net interest margin | 3.5039% | 4,941 |
| Noninterest income to average assets | 0.2711% | 6,177 |
| Noninterest expense to average assets | 2.0792% | 7,231 |
| Loan and lease loss provision to assets | 3.9959% | 340 |
| Net operating income to assets | -1.7033% | 6,960 |
| Return on assets (ROA) | -1.3702% | 6,802 |
| Pretax return on assets | -2.3780% | 7,100 |
| Return on Equity (ROE) | -13.9847% | 6,876 |
| Retained earnings to average equity (ytd only) | -13.9847% | 6,816 |
| Net charge-offs to loans | 8.8270% | 56 |
| Credit loss provision to net charge-offs | 100.8609% | 5,470 |
| Earnings coverage of net charge-offs (x) | 0.2770% | 5,834 |
| Efficiency ratio | 65.1603% | 5,556 |
| Assets per employee ($millions) | 8.7885% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0089% | 770 |
| Loan loss allowance to noncurrent loans | 31.6478% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 4.4140% | 1,471 |
| Noncurrent loans to loans | 9.5076% | 450 |
| Net loans and leases to total assets | 37.1231% | 7,477 |
| Net loans and leases to deposits | 43.4550% | 7,531 |
| Net loans and leases to core deposits | 44.1899% | 7,700 |
| Total domestic deposits to total assets | 85.4289% | 3,335 |
| Equity capital to assets | 10.1680% | 3,539 |
| Core capital (leverage) ratio | 7.9226% | 6,298 |
| Tier 1 risk-based capital ratio | 21.3020% | 1,251 |
| Total risk-based capital ratio | 22.5666% | 1,218 |
| Memoranda: | ||
| Average total assets | $645,067,000 | 1,073 |
| Average earning assets | $534,889,400 | 1,186 |
| Average equity | $63,204,800 | 1,048 |
| Average total loans | $289,519,800 | 1,660 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 7,638 |
| Cost of funding earning assets | 0.6800% | 7,833 |
| Net interest margin | 3.6733% | 4,189 |
| Noninterest income to average assets | 0.7390% | 2,768 |
| Noninterest expense to average assets | 2.0159% | 7,353 |
| Loan and lease loss provision to assets | 3.5036% | 376 |
| Net operating income to assets | -1.0442% | 6,867 |
| Return on assets (ROA) | -0.6052% | 6,531 |
| Pretax return on assets | -1.0999% | 6,759 |
| Return on Equity (ROE) | -6.2322% | 6,580 |
| Retained earnings to average equity (ytd only) | -6.2322% | 6,414 |
| Net charge-offs to loans | 6.6882% | 118 |
| Credit loss provision to net charge-offs | 112.8018% | 4,501 |
| Earnings coverage of net charge-offs (x) | 0.5531% | 5,479 |
| Efficiency ratio | 53.7788% | 7,261 |
| Assets per employee ($millions) | 9.0243% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3440% | 483 |
| Loan loss allowance to noncurrent loans | 26.1749% | 6,711 |
| Noncurrent assets plus other real estate owned to assets | 5.6178% | 1,006 |
| Noncurrent loans to loans | 12.7755% | 234 |
| Net loans and leases to total assets | 39.7482% | 7,475 |
| Net loans and leases to deposits | 47.1968% | 7,531 |
| Net loans and leases to core deposits | 47.6257% | 7,740 |
| Total domestic deposits to total assets | 84.2181% | 3,616 |
| Equity capital to assets | 10.0275% | 4,056 |
| Core capital (leverage) ratio | 8.5055% | 5,479 |
| Tier 1 risk-based capital ratio | 20.2458% | 1,510 |
| Total risk-based capital ratio | 21.5067% | 1,465 |
| Memoranda: | ||
| Average total assets | $652,534,750 | 1,080 |
| Average earning assets | $531,973,000 | 1,206 |
| Average equity | $63,367,750 | 1,059 |
| Average total loans | $303,033,500 | 1,602 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5969% | 7,539 |
| Cost of funding earning assets | 0.7798% | 7,844 |
| Net interest margin | 3.8171% | 3,476 |
| Noninterest income to average assets | 0.7501% | 2,705 |
| Noninterest expense to average assets | 1.9489% | 7,553 |
| Loan and lease loss provision to assets | 4.1257% | 299 |
| Net operating income to assets | -1.3258% | 7,174 |
| Return on assets (ROA) | -1.1297% | 7,079 |
| Pretax return on assets | -2.0041% | 7,288 |
| Return on Equity (ROE) | -11.7576% | 7,159 |
| Retained earnings to average equity (ytd only) | -11.7576% | 7,039 |
| Net charge-offs to loans | 2.9347% | 558 |
| Credit loss provision to net charge-offs | 291.8534% | 1,600 |
| Earnings coverage of net charge-offs (x) | 1.2841% | 4,564 |
| Efficiency ratio | 51.6309% | 7,544 |
| Assets per employee ($millions) | 10.6053% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1362% | 115 |
| Loan loss allowance to noncurrent loans | 59.8709% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 4.5245% | 1,235 |
| Noncurrent loans to loans | 8.5789% | 479 |
| Net loans and leases to total assets | 44.2884% | 7,307 |
| Net loans and leases to deposits | 58.8040% | 6,973 |
| Net loans and leases to core deposits | 60.8481% | 7,419 |
| Total domestic deposits to total assets | 75.3152% | 6,693 |
| Equity capital to assets | 9.6680% | 4,398 |
| Core capital (leverage) ratio | 9.0160% | 4,600 |
| Tier 1 risk-based capital ratio | 16.8355% | 2,354 |
| Total risk-based capital ratio | 18.1223% | 2,291 |
| Memoranda: | ||
| Average total assets | $656,470,330 | 1,089 |
| Average earning assets | $518,346,330 | 1,247 |
| Average equity | $63,074,000 | 1,078 |
| Average total loans | $316,215,000 | 1,572 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 7,446 |
| Cost of funding earning assets | 0.8581% | 7,857 |
| Net interest margin | 3.8871% | 3,088 |
| Noninterest income to average assets | 0.9403% | 1,687 |
| Noninterest expense to average assets | 1.8996% | 7,544 |
| Loan and lease loss provision to assets | 1.7099% | 728 |
| Net operating income to assets | 0.1343% | 5,873 |
| Return on assets (ROA) | 0.5269% | 4,494 |
| Pretax return on assets | 0.8421% | 3,916 |
| Return on Equity (ROE) | 5.5009% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.5009% | 2,859 |
| Net charge-offs to loans | 1.9200% | 752 |
| Credit loss provision to net charge-offs | 182.0779% | 2,389 |
| Earnings coverage of net charge-offs (x) | 2.0643% | 3,689 |
| Efficiency ratio | 49.4916% | 7,625 |
| Assets per employee ($millions) | 10.1495% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5555% | 722 |
| Loan loss allowance to noncurrent loans | 42.4004% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 3.4416% | 1,570 |
| Noncurrent loans to loans | 6.0271% | 793 |
| Net loans and leases to total assets | 49.2583% | 6,925 |
| Net loans and leases to deposits | 75.8814% | 5,241 |
| Net loans and leases to core deposits | 78.7228% | 6,482 |
| Total domestic deposits to total assets | 64.9148% | 7,797 |
| Equity capital to assets | 10.0550% | 3,936 |
| Core capital (leverage) ratio | 9.7785% | 3,659 |
| Tier 1 risk-based capital ratio | 16.3171% | 2,576 |
| Total risk-based capital ratio | 17.5780% | 2,520 |
| Memoranda: | ||
| Average total assets | $655,942,000 | 1,086 |
| Average earning assets | $489,006,000 | 1,329 |
| Average equity | $62,826,000 | 1,082 |
| Average total loans | $320,835,000 | 1,568 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7394% | 6,643 |
| Cost of funding earning assets | 1.8548% | 6,855 |
| Net interest margin | 3.8846% | 3,640 |
| Noninterest income to average assets | 1.0901% | 1,325 |
| Noninterest expense to average assets | 2.2071% | 6,943 |
| Loan and lease loss provision to assets | 1.1879% | 1,215 |
| Net operating income to assets | 0.5072% | 4,693 |
| Return on assets (ROA) | 0.5073% | 4,544 |
| Pretax return on assets | 0.7583% | 4,216 |
| Return on Equity (ROE) | 5.1444% | 4,314 |
| Retained earnings to average equity (ytd only) | 5.1444% | 1,937 |
| Net charge-offs to loans | 1.1450% | 1,056 |
| Credit loss provision to net charge-offs | 183.6400% | 2,711 |
| Earnings coverage of net charge-offs (x) | 3.0085% | 4,582 |
| Efficiency ratio | 53.1432% | 7,364 |
| Assets per employee ($millions) | 11.1904% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1213% | 1,041 |
| Loan loss allowance to noncurrent loans | 63.5438% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 1.8850% | 2,611 |
| Noncurrent loans to loans | 3.3384% | 1,551 |
| Net loans and leases to total assets | 46.3966% | 7,292 |
| Net loans and leases to deposits | 120.5652% | 375 |
| Net loans and leases to core deposits | 125.8550% | 2,172 |
| Total domestic deposits to total assets | 38.4826% | 8,197 |
| Equity capital to assets | 9.1383% | 5,167 |
| Core capital (leverage) ratio | 5.9423% | 8,097 |
| Tier 1 risk-based capital ratio | 15.7011% | 2,779 |
| Total risk-based capital ratio | 16.9576% | 2,707 |
| Memoranda: | ||
| Average total assets | $546,189,000 | 1,246 |
| Average earning assets | $430,673,600 | 1,450 |
| Average equity | $53,864,400 | 1,252 |
| Average total loans | $308,551,800 | 1,570 |