Home > Pacific Crest Savings Bank > Performance and Condition Ratios
Pacific Crest Savings 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 | 5.6255% | 1,818 |
| Cost of funding earning assets | 3.4026% | 140 |
| Net interest margin | 2.2229% | 4,207 |
| Noninterest income to average assets | 0.0100% | 4,377 |
| Noninterest expense to average assets | 1.5731% | 4,165 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.5939% | 3,365 |
| Return on assets (ROA) | 0.5939% | 3,377 |
| Pretax return on assets | 0.5939% | 3,584 |
| Return on Equity (ROE) | 5.8000% | 3,383 |
| Retained earnings to average equity (ytd only) | 3.4009% | 2,997 |
| 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 | 71.5730% | 1,660 |
| Assets per employee ($millions) | 20.6978% | 92 |
| Cash dividends to net income (ytd only)* | 41.3721% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 972 |
| Loan loss allowance to noncurrent loans | 278.7809% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 1,785 |
| Noncurrent loans to loans | 0.5441% | 1,768 |
| Net loans and leases to total assets | 70.8300% | 1,745 |
| Net loans and leases to deposits | 90.5551% | 1,060 |
| Net loans and leases to core deposits | 126.1912% | 398 |
| Total domestic deposits to total assets | 78.2200% | 3,789 |
| Equity capital to assets | 9.9793% | 2,232 |
| Core capital (leverage) ratio | 11.0412% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2945% | 1,196 |
| Memoranda: | ||
| Average total assets | $323,936,500 | 2,372 |
| Average earning assets | $319,404,500 | 2,277 |
| Average equity | $33,168,000 | 2,301 |
| Average total loans | $235,381,500 | 2,192 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5994% | 1,946 |
| Cost of funding earning assets | 3.5129% | 188 |
| Net interest margin | 2.0865% | 4,218 |
| Noninterest income to average assets | 0.0100% | 4,429 |
| Noninterest expense to average assets | 1.5397% | 4,225 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.5109% | 3,449 |
| Return on assets (ROA) | 0.5109% | 3,464 |
| Pretax return on assets | 0.5109% | 3,627 |
| Return on Equity (ROE) | 4.8400% | 3,543 |
| Retained earnings to average equity (ytd only) | 3.1282% | 2,990 |
| Net charge-offs to loans | -0.0147% | 4,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 74.5074% | 1,490 |
| Assets per employee ($millions) | 19.7943% | 108 |
| Cash dividends to net income (ytd only)* | 35.3051% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 901 |
| Loan loss allowance to noncurrent loans | 270.1807% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 1,652 |
| Noncurrent loans to loans | 0.5710% | 1,652 |
| Net loans and leases to total assets | 72.3100% | 1,634 |
| Net loans and leases to deposits | 92.5720% | 984 |
| Net loans and leases to core deposits | 127.1108% | 422 |
| Total domestic deposits to total assets | 78.1100% | 3,764 |
| Equity capital to assets | 10.5106% | 1,827 |
| Core capital (leverage) ratio | 11.0972% | 1,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4639% | 1,164 |
| Memoranda: | ||
| Average total assets | $314,343,400 | 2,392 |
| Average earning assets | $309,945,200 | 2,293 |
| Average equity | $33,214,000 | 2,248 |
| Average total loans | $223,751,400 | 2,215 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5771% | 1,941 |
| Cost of funding earning assets | 3.4826% | 207 |
| Net interest margin | 2.0945% | 4,235 |
| Noninterest income to average assets | 0.0100% | 4,454 |
| Noninterest expense to average assets | 1.5311% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.5444% | 3,368 |
| Return on assets (ROA) | 0.5444% | 3,389 |
| Pretax return on assets | 0.5444% | 3,574 |
| Return on Equity (ROE) | 5.1500% | 3,496 |
| Retained earnings to average equity (ytd only) | 3.4261% | 3,032 |
| Net charge-offs to loans | -0.0012% | 3,640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 73.7715% | 1,619 |
| Assets per employee ($millions) | 20.1910% | 103 |
| Cash dividends to net income (ytd only)* | 33.4114% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 938 |
| Loan loss allowance to noncurrent loans | 219.4324% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 1,403 |
| Noncurrent loans to loans | 0.7064% | 1,392 |
| Net loans and leases to total assets | 69.9300% | 1,861 |
| Net loans and leases to deposits | 90.5351% | 1,197 |
| Net loans and leases to core deposits | 123.9318% | 510 |
| Total domestic deposits to total assets | 77.2400% | 3,802 |
| Equity capital to assets | 10.5087% | 1,973 |
| Core capital (leverage) ratio | 11.1611% | 1,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5556% | 1,176 |
| Memoranda: | ||
| Average total assets | $313,752,250 | 2,387 |
| Average earning assets | $309,379,000 | 2,295 |
| Average equity | $33,195,500 | 2,246 |
| Average total loans | $221,542,500 | 2,222 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5386% | 1,904 |
| Cost of funding earning assets | 3.4469% | 197 |
| Net interest margin | 2.0917% | 4,250 |
| Noninterest income to average assets | 0.0100% | 4,473 |
| Noninterest expense to average assets | 1.5632% | 4,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.5112% | 3,404 |
| Return on assets (ROA) | 0.5112% | 3,433 |
| Pretax return on assets | 0.5112% | 3,608 |
| Return on Equity (ROE) | 4.8200% | 3,559 |
| Retained earnings to average equity (ytd only) | 3.2661% | 2,968 |
| Net charge-offs to loans | -0.0018% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 75.3569% | 1,516 |
| Assets per employee ($millions) | 19.2220% | 104 |
| Cash dividends to net income (ytd only)* | 32.2418% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 738 |
| Loan loss allowance to noncurrent loans | 257.9393% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 1,436 |
| Noncurrent loans to loans | 0.6427% | 1,439 |
| Net loans and leases to total assets | 70.5000% | 1,844 |
| Net loans and leases to deposits | 89.4741% | 1,347 |
| Net loans and leases to core deposits | 122.9561% | 553 |
| Total domestic deposits to total assets | 78.7900% | 3,609 |
| Equity capital to assets | 10.7751% | 1,670 |
| Core capital (leverage) ratio | 11.1331% | 1,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9619% | 1,087 |
| Memoranda: | ||
| Average total assets | $310,651,000 | 2,392 |
| Average earning assets | $306,361,000 | 2,295 |
| Average equity | $32,944,333 | 2,230 |
| Average total loans | $218,896,333 | 2,227 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4664% | 1,877 |
| Cost of funding earning assets | 3.3646% | 206 |
| Net interest margin | 2.1019% | 4,256 |
| Noninterest income to average assets | 0.0200% | 4,459 |
| Noninterest expense to average assets | 1.5439% | 4,239 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5445% | 3,294 |
| Return on assets (ROA) | 0.5445% | 3,319 |
| Pretax return on assets | 0.5445% | 3,497 |
| Return on Equity (ROE) | 5.1800% | 3,410 |
| Retained earnings to average equity (ytd only) | 3.7507% | 2,780 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 73.9264% | 1,754 |
| Assets per employee ($millions) | 19.8641% | 104 |
| Cash dividends to net income (ytd only)* | 27.5294% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6808% | 704 |
| Loan loss allowance to noncurrent loans | 251.9310% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 1,379 |
| Noncurrent loans to loans | 0.6672% | 1,326 |
| Net loans and leases to total assets | 67.2300% | 2,098 |
| Net loans and leases to deposits | 84.5816% | 1,667 |
| Net loans and leases to core deposits | 117.0792% | 721 |
| Total domestic deposits to total assets | 79.4900% | 3,599 |
| Equity capital to assets | 10.3453% | 1,809 |
| Core capital (leverage) ratio | 11.1432% | 1,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3488% | 1,028 |
| Memoranda: | ||
| Average total assets | $312,200,500 | 2,395 |
| Average earning assets | $307,915,000 | 2,298 |
| Average equity | $32,847,000 | 2,232 |
| Average total loans | $218,111,500 | 2,233 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2281% | 1,612 |
| Cost of funding earning assets | 2.7038% | 246 |
| Net interest margin | 2.5244% | 4,070 |
| Noninterest income to average assets | 0.0100% | 4,513 |
| Noninterest expense to average assets | 1.6603% | 4,183 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.8169% | 2,815 |
| Return on assets (ROA) | 0.8148% | 2,802 |
| Pretax return on assets | 0.8148% | 3,173 |
| Return on Equity (ROE) | 7.5700% | 3,140 |
| Retained earnings to average equity (ytd only) | 4.4754% | 2,803 |
| Net charge-offs to loans | -0.0023% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.5610% | 2,277 |
| Assets per employee ($millions) | 18.0338% | 131 |
| Cash dividends to net income (ytd only)* | 40.9110% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 718 |
| Loan loss allowance to noncurrent loans | 245.9933% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 1,158 |
| Noncurrent loans to loans | 0.6784% | 1,153 |
| Net loans and leases to total assets | 70.2100% | 1,784 |
| Net loans and leases to deposits | 89.1204% | 1,332 |
| Net loans and leases to core deposits | 122.4559% | 555 |
| Total domestic deposits to total assets | 78.7800% | 3,639 |
| Equity capital to assets | 10.7034% | 1,629 |
| Core capital (leverage) ratio | 11.4466% | 1,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8272% | 1,110 |
| Memoranda: | ||
| Average total assets | $290,977,000 | 2,464 |
| Average earning assets | $286,564,800 | 2,373 |
| Average equity | $31,304,400 | 2,209 |
| Average total loans | $219,306,200 | 2,167 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1111% | 1,612 |
| Cost of funding earning assets | 2.5008% | 276 |
| Net interest margin | 2.6103% | 4,016 |
| Noninterest income to average assets | 0.0100% | 4,534 |
| Noninterest expense to average assets | 1.7189% | 4,095 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8606% | 2,829 |
| Return on assets (ROA) | 0.8578% | 2,818 |
| Pretax return on assets | 0.8578% | 3,198 |
| Return on Equity (ROE) | 7.9600% | 3,196 |
| Retained earnings to average equity (ytd only) | 4.8112% | 2,998 |
| Net charge-offs to loans | -0.0024% | 3,604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.6367% | 2,198 |
| Assets per employee ($millions) | 17.8998% | 121 |
| Cash dividends to net income (ytd only)* | 39.5777% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5994% | 886 |
| Loan loss allowance to noncurrent loans | 237.3518% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4989% | 1,162 |
| Noncurrent loans to loans | 0.6738% | 1,227 |
| Net loans and leases to total assets | 72.8500% | 1,484 |
| Net loans and leases to deposits | 91.8982% | 1,059 |
| Net loans and leases to core deposits | 126.6159% | 402 |
| Total domestic deposits to total assets | 79.2700% | 3,645 |
| Equity capital to assets | 10.0678% | 1,794 |
| Core capital (leverage) ratio | 11.4787% | 1,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5157% | 1,197 |
| Memoranda: | ||
| Average total assets | $287,077,500 | 2,489 |
| Average earning assets | $282,617,000 | 2,398 |
| Average equity | $30,927,000 | 2,212 |
| Average total loans | $219,411,750 | 2,160 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0440% | 1,480 |
| Cost of funding earning assets | 2.2117% | 330 |
| Net interest margin | 2.8323% | 3,776 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 1.7673% | 4,059 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0301% | 2,318 |
| Return on assets (ROA) | 1.0258% | 2,329 |
| Pretax return on assets | 1.0258% | 2,839 |
| Return on Equity (ROE) | 9.3000% | 2,889 |
| Retained earnings to average equity (ytd only) | 5.8149% | 2,690 |
| Net charge-offs to loans | -0.0009% | 3,433 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.1766% | 2,575 |
| Assets per employee ($millions) | 16.9216% | 143 |
| Cash dividends to net income (ytd only)* | 37.4913% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6310% | 877 |
| Loan loss allowance to noncurrent loans | 232.0438% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5392% | 1,011 |
| Noncurrent loans to loans | 0.7029% | 1,059 |
| Net loans and leases to total assets | 75.4600% | 1,108 |
| Net loans and leases to deposits | 96.9503% | 672 |
| Net loans and leases to core deposits | 127.4180% | 366 |
| Total domestic deposits to total assets | 77.8300% | 3,865 |
| Equity capital to assets | 10.9783% | 1,397 |
| Core capital (leverage) ratio | 11.9860% | 1,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4975% | 1,217 |
| Memoranda: | ||
| Average total assets | $281,338,000 | 2,523 |
| Average earning assets | $276,805,667 | 2,444 |
| Average equity | $31,024,000 | 2,217 |
| Average total loans | $217,456,667 | 2,169 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0091% | 1,213 |
| Cost of funding earning assets | 1.8471% | 410 |
| Net interest margin | 3.1619% | 3,207 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 1.7874% | 4,055 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3287% | 1,594 |
| Return on assets (ROA) | 1.3200% | 1,588 |
| Pretax return on assets | 1.3200% | 2,119 |
| Return on Equity (ROE) | 11.9400% | 2,230 |
| Retained earnings to average equity (ytd only) | 7.8711% | 2,256 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.3604% | 3,261 |
| Assets per employee ($millions) | 15.4047% | 190 |
| Cash dividends to net income (ytd only)* | 34.0959% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6664% | 882 |
| Loan loss allowance to noncurrent loans | 227.2096% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.5713% | 903 |
| Noncurrent loans to loans | 0.7334% | 1,043 |
| Net loans and leases to total assets | 76.5900% | 917 |
| Net loans and leases to deposits | 97.6562% | 554 |
| Net loans and leases to core deposits | 120.5989% | 418 |
| Total domestic deposits to total assets | 78.4300% | 3,949 |
| Equity capital to assets | 11.2750% | 1,236 |
| Core capital (leverage) ratio | 11.9805% | 1,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5838% | 1,244 |
| Memoranda: | ||
| Average total assets | $278,173,000 | 2,566 |
| Average earning assets | $273,503,000 | 2,485 |
| Average equity | $30,745,500 | 2,260 |
| Average total loans | $215,854,000 | 2,199 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4872% | 739 |
| Cost of funding earning assets | 0.9885% | 173 |
| Net interest margin | 3.4987% | 1,939 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 1.8014% | 4,029 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.4980% | 883 |
| Return on assets (ROA) | 1.5002% | 845 |
| Pretax return on assets | 1.5002% | 1,457 |
| Return on Equity (ROE) | 13.3000% | 1,708 |
| Retained earnings to average equity (ytd only) | 7.8989% | 1,875 |
| Net charge-offs to loans | -0.0025% | 3,488 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.9412% | 3,984 |
| Assets per employee ($millions) | 16.4154% | 156 |
| Cash dividends to net income (ytd only)* | 40.6000% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6678% | 846 |
| Loan loss allowance to noncurrent loans | 222.3733% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.5798% | 865 |
| Noncurrent loans to loans | 0.7500% | 1,002 |
| Net loans and leases to total assets | 76.0200% | 1,007 |
| Net loans and leases to deposits | 94.6834% | 737 |
| Net loans and leases to core deposits | 114.6727% | 468 |
| Total domestic deposits to total assets | 80.2900% | 3,834 |
| Equity capital to assets | 10.8317% | 1,330 |
| Core capital (leverage) ratio | 11.9117% | 1,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2520% | 1,302 |
| Memoranda: | ||
| Average total assets | $266,628,400 | 2,628 |
| Average earning assets | $262,812,000 | 2,534 |
| Average equity | $30,080,000 | 2,333 |
| Average total loans | $200,485,200 | 2,228 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3514% | 650 |
| Cost of funding earning assets | 0.8394% | 131 |
| Net interest margin | 3.5120% | 1,633 |
| Noninterest income to average assets | 0.0200% | 4,670 |
| Noninterest expense to average assets | 1.8220% | 3,940 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.5012% | 849 |
| Return on assets (ROA) | 1.5042% | 818 |
| Pretax return on assets | 1.5042% | 1,394 |
| Return on Equity (ROE) | 13.1900% | 1,647 |
| Retained earnings to average equity (ytd only) | 7.9217% | 2,031 |
| Net charge-offs to loans | -0.0034% | 3,387 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.2793% | 3,988 |
| Assets per employee ($millions) | 16.8799% | 151 |
| Cash dividends to net income (ytd only)* | 39.9596% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6719% | 919 |
| Loan loss allowance to noncurrent loans | 211.0773% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.6083% | 876 |
| Noncurrent loans to loans | 0.7921% | 1,016 |
| Net loans and leases to total assets | 75.5200% | 957 |
| Net loans and leases to deposits | 94.0154% | 639 |
| Net loans and leases to core deposits | 111.3138% | 430 |
| Total domestic deposits to total assets | 80.3200% | 4,064 |
| Equity capital to assets | 10.7583% | 1,269 |
| Core capital (leverage) ratio | 11.5449% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4319% | 1,307 |
| Memoranda: | ||
| Average total assets | $263,520,250 | 2,662 |
| Average earning assets | $259,866,500 | 2,572 |
| Average equity | $30,043,250 | 2,367 |
| Average total loans | $196,672,000 | 2,253 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2172% | 612 |
| Cost of funding earning assets | 0.7598% | 119 |
| Net interest margin | 3.4574% | 1,425 |
| Noninterest income to average assets | 0.0092% | 4,722 |
| Noninterest expense to average assets | 1.8658% | 3,794 |
| Loan and lease loss provision to assets | 0.1531% | 619 |
| Net operating income to assets | 1.3997% | 906 |
| Return on assets (ROA) | 1.4043% | 871 |
| Pretax return on assets | 1.4043% | 1,427 |
| Return on Equity (ROE) | 12.0834% | 1,646 |
| Retained earnings to average equity (ytd only) | 7.3685% | 1,862 |
| Net charge-offs to loans | -0.0052% | 3,353 |
| Credit loss provision to net charge-offs | -4,000.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5780% | 3,911 |
| Assets per employee ($millions) | 16.2641% | 157 |
| Cash dividends to net income (ytd only)* | 39.0191% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 1,018 |
| Loan loss allowance to noncurrent loans | 202.0519% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 932 |
| Noncurrent loans to loans | 0.8256% | 1,040 |
| Net loans and leases to total assets | 71.3797% | 1,172 |
| Net loans and leases to deposits | 89.2925% | 761 |
| Net loans and leases to core deposits | 104.7787% | 482 |
| Total domestic deposits to total assets | 79.9392% | 4,233 |
| Equity capital to assets | 10.7256% | 1,352 |
| Core capital (leverage) ratio | 11.6874% | 1,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8490% | 1,213 |
| Memoranda: | ||
| Average total assets | $261,334,000 | 2,697 |
| Average earning assets | $257,708,667 | 2,614 |
| Average equity | $30,372,333 | 2,398 |
| Average total loans | $193,087,667 | 2,279 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0477% | 701 |
| Cost of funding earning assets | 0.7181% | 138 |
| Net interest margin | 3.3297% | 1,501 |
| Noninterest income to average assets | 0.0095% | 4,741 |
| Noninterest expense to average assets | 1.9105% | 3,659 |
| Loan and lease loss provision to assets | 0.0788% | 1,043 |
| Net operating income to assets | 1.3020% | 1,003 |
| Return on assets (ROA) | 1.3020% | 996 |
| Pretax return on assets | 1.3020% | 1,504 |
| Return on Equity (ROE) | 10.7514% | 1,706 |
| Retained earnings to average equity (ytd only) | 6.8075% | 1,954 |
| Net charge-offs to loans | -0.0085% | 3,515 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0460% | 3,675 |
| Assets per employee ($millions) | 15.0966% | 201 |
| Cash dividends to net income (ytd only)* | 36.6828% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6305% | 1,193 |
| Loan loss allowance to noncurrent loans | 190.4110% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.6542% | 904 |
| Noncurrent loans to loans | 0.8563% | 1,092 |
| Net loans and leases to total assets | 75.1554% | 564 |
| Net loans and leases to deposits | 96.1367% | 277 |
| Net loans and leases to core deposits | 107.8023% | 307 |
| Total domestic deposits to total assets | 78.1755% | 4,395 |
| Equity capital to assets | 11.7661% | 1,033 |
| Core capital (leverage) ratio | 12.2007% | 1,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0476% | 1,246 |
| Memoranda: | ||
| Average total assets | $253,756,500 | 2,763 |
| Average earning assets | $250,116,000 | 2,682 |
| Average equity | $30,731,000 | 2,445 |
| Average total loans | $189,279,000 | 2,301 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 1,327 |
| Cost of funding earning assets | 0.9007% | 113 |
| Net interest margin | 3.1124% | 2,870 |
| Noninterest income to average assets | 0.0083% | 4,790 |
| Noninterest expense to average assets | 1.7883% | 4,167 |
| Loan and lease loss provision to assets | 0.0079% | 2,928 |
| Net operating income to assets | 1.2792% | 1,664 |
| Return on assets (ROA) | 1.2789% | 1,717 |
| Pretax return on assets | 1.2789% | 2,425 |
| Return on Equity (ROE) | 10.7809% | 2,244 |
| Retained earnings to average equity (ytd only) | 6.7655% | 2,013 |
| Net charge-offs to loans | -0.0016% | 3,335 |
| Credit loss provision to net charge-offs | -666.6667% | 3,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1476% | 3,423 |
| Assets per employee ($millions) | 14.7571% | 211 |
| Cash dividends to net income (ytd only)* | 37.2458% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7224% | 1,003 |
| Loan loss allowance to noncurrent loans | 185.3184% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 949 |
| Noncurrent loans to loans | 0.9294% | 1,090 |
| Net loans and leases to total assets | 71.4860% | 882 |
| Net loans and leases to deposits | 92.5329% | 439 |
| Net loans and leases to core deposits | 103.4937% | 422 |
| Total domestic deposits to total assets | 77.2548% | 4,450 |
| Equity capital to assets | 12.4626% | 1,072 |
| Core capital (leverage) ratio | 12.0273% | 1,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9199% | 1,056 |
| Memoranda: | ||
| Average total assets | $253,821,600 | 2,698 |
| Average earning assets | $250,131,400 | 2,613 |
| Average equity | $30,108,800 | 2,527 |
| Average total loans | $182,264,200 | 2,368 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0053% | 1,522 |
| Cost of funding earning assets | 0.9446% | 109 |
| Net interest margin | 3.0607% | 3,147 |
| Noninterest income to average assets | 0.0084% | 4,863 |
| Noninterest expense to average assets | 1.7761% | 4,208 |
| Loan and lease loss provision to assets | 0.0106% | 2,780 |
| Net operating income to assets | 1.2377% | 2,030 |
| Return on assets (ROA) | 1.2371% | 2,094 |
| Pretax return on assets | 1.2371% | 2,811 |
| Return on Equity (ROE) | 10.5610% | 2,534 |
| Retained earnings to average equity (ytd only) | 6.7336% | 2,529 |
| Net charge-offs to loans | -0.0022% | 3,241 |
| Credit loss provision to net charge-offs | -666.6667% | 3,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7288% | 3,164 |
| Assets per employee ($millions) | 14.8565% | 210 |
| Cash dividends to net income (ytd only)* | 36.2405% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7615% | 996 |
| Loan loss allowance to noncurrent loans | 182.6264% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 1,101 |
| Noncurrent loans to loans | 0.9645% | 1,189 |
| Net loans and leases to total assets | 69.4038% | 1,146 |
| Net loans and leases to deposits | 89.8811% | 614 |
| Net loans and leases to core deposits | 100.4435% | 571 |
| Total domestic deposits to total assets | 77.2174% | 4,476 |
| Equity capital to assets | 12.1436% | 1,334 |
| Core capital (leverage) ratio | 11.6769% | 1,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6944% | 1,009 |
| Memoranda: | ||
| Average total assets | $254,559,500 | 2,719 |
| Average earning assets | $250,827,750 | 2,636 |
| Average equity | $29,819,750 | 2,583 |
| Average total loans | $182,210,250 | 2,406 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0630% | 1,423 |
| Cost of funding earning assets | 1.0028% | 105 |
| Net interest margin | 3.0602% | 3,147 |
| Noninterest income to average assets | 0.0086% | 4,900 |
| Noninterest expense to average assets | 1.7530% | 4,275 |
| Loan and lease loss provision to assets | 0.0157% | 2,637 |
| Net operating income to assets | 1.2554% | 2,006 |
| Return on assets (ROA) | 1.2538% | 2,077 |
| Pretax return on assets | 1.2538% | 2,754 |
| Return on Equity (ROE) | 10.8341% | 2,485 |
| Retained earnings to average equity (ytd only) | 7.1302% | 2,383 |
| Net charge-offs to loans | -0.0022% | 3,215 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9684% | 3,291 |
| Assets per employee ($millions) | 15.7861% | 176 |
| Cash dividends to net income (ytd only)* | 34.1875% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 971 |
| Loan loss allowance to noncurrent loans | 180.0573% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.6909% | 1,191 |
| Noncurrent loans to loans | 0.9722% | 1,270 |
| Net loans and leases to total assets | 69.8191% | 1,217 |
| Net loans and leases to deposits | 90.0791% | 651 |
| Net loans and leases to core deposits | 101.0642% | 627 |
| Total domestic deposits to total assets | 77.5086% | 4,477 |
| Equity capital to assets | 11.9801% | 1,372 |
| Core capital (leverage) ratio | 11.4363% | 1,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3130% | 1,063 |
| Memoranda: | ||
| Average total assets | $255,225,667 | 2,710 |
| Average earning assets | $251,487,000 | 2,623 |
| Average equity | $29,536,333 | 2,598 |
| Average total loans | $183,470,333 | 2,414 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0278% | 1,550 |
| Cost of funding earning assets | 1.0619% | 100 |
| Net interest margin | 2.9658% | 3,342 |
| Noninterest income to average assets | 0.0125% | 4,919 |
| Noninterest expense to average assets | 1.7478% | 4,295 |
| Loan and lease loss provision to assets | 0.0312% | 2,367 |
| Net operating income to assets | 1.1553% | 2,315 |
| Return on assets (ROA) | 1.1553% | 2,382 |
| Pretax return on assets | 1.1553% | 2,969 |
| Return on Equity (ROE) | 10.1594% | 2,642 |
| Retained earnings to average equity (ytd only) | 6.9923% | 2,580 |
| Net charge-offs to loans | -0.0043% | 3,336 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5643% | 3,079 |
| Assets per employee ($millions) | 15.0094% | 200 |
| Cash dividends to net income (ytd only)* | 31.1741% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7272% | 986 |
| Loan loss allowance to noncurrent loans | 176.0224% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6996% | 1,341 |
| Noncurrent loans to loans | 0.9812% | 1,377 |
| Net loans and leases to total assets | 70.0615% | 1,278 |
| Net loans and leases to deposits | 89.6463% | 718 |
| Net loans and leases to core deposits | 104.2847% | 566 |
| Total domestic deposits to total assets | 78.1533% | 4,421 |
| Equity capital to assets | 11.4426% | 1,574 |
| Core capital (leverage) ratio | 11.0566% | 1,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7853% | 1,107 |
| Memoranda: | ||
| Average total assets | $256,550,000 | 2,694 |
| Average earning assets | $252,744,000 | 2,591 |
| Average equity | $29,175,000 | 2,610 |
| Average total loans | $185,461,000 | 2,395 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3669% | 1,675 |
| Cost of funding earning assets | 1.3829% | 132 |
| Net interest margin | 2.9840% | 3,926 |
| Noninterest income to average assets | 0.0098% | 4,939 |
| Noninterest expense to average assets | 1.8317% | 4,421 |
| Loan and lease loss provision to assets | 0.1060% | 3,012 |
| Net operating income to assets | 1.0098% | 2,258 |
| Return on assets (ROA) | 1.0098% | 2,401 |
| Pretax return on assets | 1.0098% | 3,016 |
| Return on Equity (ROE) | 8.9141% | 2,435 |
| Retained earnings to average equity (ytd only) | 5.2808% | 2,148 |
| Net charge-offs to loans | -0.0212% | 4,441 |
| Credit loss provision to net charge-offs | -666.6667% | 3,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1457% | 3,101 |
| Assets per employee ($millions) | 15.1729% | 173 |
| Cash dividends to net income (ytd only)* | 40.7587% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6507% | 1,162 |
| Loan loss allowance to noncurrent loans | 170.9589% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.7075% | 1,473 |
| Noncurrent loans to loans | 0.9656% | 1,461 |
| Net loans and leases to total assets | 72.0675% | 1,280 |
| Net loans and leases to deposits | 91.9379% | 782 |
| Net loans and leases to core deposits | 106.5980% | 621 |
| Total domestic deposits to total assets | 78.3872% | 4,277 |
| Equity capital to assets | 11.3022% | 2,016 |
| Core capital (leverage) ratio | 10.9198% | 1,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2369% | 1,204 |
| Memoranda: | ||
| Average total assets | $245,393,800 | 2,607 |
| Average earning assets | $241,591,800 | 2,520 |
| Average equity | $27,798,600 | 2,614 |
| Average total loans | $183,770,400 | 2,378 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 1,807 |
| Cost of funding earning assets | 1.4510% | 144 |
| Net interest margin | 2.9680% | 4,053 |
| Noninterest income to average assets | 0.0099% | 4,970 |
| Noninterest expense to average assets | 1.8867% | 4,348 |
| Loan and lease loss provision to assets | 0.1102% | 2,941 |
| Net operating income to assets | 0.9345% | 2,584 |
| Return on assets (ROA) | 0.9345% | 2,711 |
| Pretax return on assets | 0.9345% | 3,285 |
| Return on Equity (ROE) | 8.2445% | 2,713 |
| Retained earnings to average equity (ytd only) | 4.8603% | 2,627 |
| Net charge-offs to loans | -0.0285% | 4,510 |
| Credit loss provision to net charge-offs | -512.8205% | 3,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3635% | 2,675 |
| Assets per employee ($millions) | 14.7856% | 171 |
| Cash dividends to net income (ytd only)* | 41.0483% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6021% | 1,096 |
| Loan loss allowance to noncurrent loans | 164.7819% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.7388% | 1,579 |
| Noncurrent loans to loans | 0.9723% | 1,539 |
| Net loans and leases to total assets | 74.7693% | 1,271 |
| Net loans and leases to deposits | 95.7958% | 773 |
| Net loans and leases to core deposits | 113.2014% | 589 |
| Total domestic deposits to total assets | 78.0507% | 4,192 |
| Equity capital to assets | 11.3178% | 2,136 |
| Core capital (leverage) ratio | 11.0326% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7124% | 1,320 |
| Memoranda: | ||
| Average total assets | $242,257,250 | 2,612 |
| Average earning assets | $238,450,500 | 2,519 |
| Average equity | $27,460,000 | 2,625 |
| Average total loans | $182,460,250 | 2,397 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4569% | 2,047 |
| Cost of funding earning assets | 1.5287% | 151 |
| Net interest margin | 2.9283% | 4,263 |
| Noninterest income to average assets | 0.0092% | 4,996 |
| Noninterest expense to average assets | 1.9379% | 4,350 |
| Loan and lease loss provision to assets | 0.0669% | 3,455 |
| Net operating income to assets | 0.8870% | 2,742 |
| Return on assets (ROA) | 0.8870% | 2,860 |
| Pretax return on assets | 0.8870% | 3,347 |
| Return on Equity (ROE) | 7.8214% | 2,820 |
| Retained earnings to average equity (ytd only) | 4.7990% | 2,567 |
| Net charge-offs to loans | -0.0423% | 4,638 |
| Credit loss provision to net charge-offs | -210.5263% | 3,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0136% | 2,376 |
| Assets per employee ($millions) | 13.4681% | 226 |
| Cash dividends to net income (ytd only)* | 38.6428% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 1,081 |
| Loan loss allowance to noncurrent loans | 154.8472% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.7829% | 1,592 |
| Noncurrent loans to loans | 1.0122% | 1,530 |
| Net loans and leases to total assets | 76.1345% | 1,119 |
| Net loans and leases to deposits | 98.1228% | 648 |
| Net loans and leases to core deposits | 115.3585% | 555 |
| Total domestic deposits to total assets | 77.5910% | 4,243 |
| Equity capital to assets | 11.5673% | 1,926 |
| Core capital (leverage) ratio | 11.5347% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8572% | 1,284 |
| Memoranda: | ||
| Average total assets | $239,224,333 | 2,613 |
| Average earning assets | $235,499,000 | 2,521 |
| Average equity | $27,130,667 | 2,636 |
| Average total loans | $179,614,667 | 2,402 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 2,493 |
| Cost of funding earning assets | 1.6417% | 164 |
| Net interest margin | 2.7926% | 4,572 |
| Noninterest income to average assets | 0.0101% | 5,044 |
| Noninterest expense to average assets | 1.8584% | 4,590 |
| Loan and lease loss provision to assets | 0.0168% | 3,586 |
| Net operating income to assets | 0.8837% | 2,573 |
| Return on assets (ROA) | 0.8837% | 2,671 |
| Pretax return on assets | 0.8837% | 3,179 |
| Return on Equity (ROE) | 7.8725% | 2,570 |
| Retained earnings to average equity (ytd only) | 5.4433% | 2,092 |
| Net charge-offs to loans | -0.0068% | 3,948 |
| Credit loss provision to net charge-offs | -333.3333% | 3,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3581% | 2,761 |
| Assets per employee ($millions) | 12.8034% | 197 |
| Cash dividends to net income (ytd only)* | 30.8571% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5647% | 1,157 |
| Loan loss allowance to noncurrent loans | 142.9869% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.8600% | 1,555 |
| Noncurrent loans to loans | 1.0943% | 1,520 |
| Net loans and leases to total assets | 77.3620% | 1,075 |
| Net loans and leases to deposits | 100.4338% | 527 |
| Net loans and leases to core deposits | 116.5858% | 570 |
| Total domestic deposits to total assets | 77.0279% | 4,344 |
| Equity capital to assets | 11.4375% | 2,497 |
| Core capital (leverage) ratio | 11.1848% | 2,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1986% | 1,303 |
| Memoranda: | ||
| Average total assets | $237,624,000 | 2,574 |
| Average earning assets | $233,902,000 | 2,476 |
| Average equity | $26,675,000 | 2,660 |
| Average total loans | $175,668,000 | 2,408 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 1,685 |
| Cost of funding earning assets | 1.6252% | 267 |
| Net interest margin | 3.2993% | 3,990 |
| Noninterest income to average assets | 0.0093% | 5,110 |
| Noninterest expense to average assets | 1.8874% | 4,679 |
| Loan and lease loss provision to assets | 0.0221% | 3,585 |
| Net operating income to assets | 1.3485% | 1,510 |
| Return on assets (ROA) | 1.3477% | 1,593 |
| Pretax return on assets | 1.3477% | 2,337 |
| Return on Equity (ROE) | 11.7807% | 1,590 |
| Retained earnings to average equity (ytd only) | 7.0816% | 1,362 |
| Net charge-offs to loans | 0.0076% | 3,406 |
| Credit loss provision to net charge-offs | 384.6154% | 729 |
| Earnings coverage of net charge-offs (x) | 238.6923% | 348 |
| Efficiency ratio | 57.9311% | 3,974 |
| Assets per employee ($millions) | 13.5992% | 161 |
| Cash dividends to net income (ytd only)* | 39.8886% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6573% | 871 |
| Loan loss allowance to noncurrent loans | 138.8287% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.8301% | 1,549 |
| Noncurrent loans to loans | 1.1938% | 1,262 |
| Net loans and leases to total assets | 68.3826% | 2,624 |
| Net loans and leases to deposits | 88.0139% | 1,842 |
| Net loans and leases to core deposits | 102.3980% | 1,369 |
| Total domestic deposits to total assets | 77.6952% | 4,406 |
| Equity capital to assets | 11.0264% | 2,970 |
| Core capital (leverage) ratio | 11.3845% | 2,197 |
| Tier 1 risk-based capital ratio | 16.7093% | 2,154 |
| Total risk-based capital ratio | 17.9677% | 2,083 |
| Memoranda: | ||
| Average total assets | $226,392,200 | 2,608 |
| Average earning assets | $222,927,200 | 2,514 |
| Average equity | $25,898,200 | 2,642 |
| Average total loans | $171,848,800 | 2,400 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0513% | 1,411 |
| Cost of funding earning assets | 1.5991% | 302 |
| Net interest margin | 3.4522% | 3,725 |
| Noninterest income to average assets | 0.0090% | 5,189 |
| Noninterest expense to average assets | 1.9465% | 4,652 |
| Loan and lease loss provision to assets | 0.0301% | 3,298 |
| Net operating income to assets | 1.4313% | 1,382 |
| Return on assets (ROA) | 1.4301% | 1,440 |
| Pretax return on assets | 1.4301% | 2,190 |
| Return on Equity (ROE) | 12.3782% | 1,490 |
| Retained earnings to average equity (ytd only) | 7.5133% | 1,615 |
| Net charge-offs to loans | -0.0217% | 4,601 |
| Credit loss provision to net charge-offs | -178.5714% | 4,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1177% | 4,054 |
| Assets per employee ($millions) | 12.5251% | 187 |
| Cash dividends to net income (ytd only)* | 39.3024% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 887 |
| Loan loss allowance to noncurrent loans | 510.1604% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 3,573 |
| Noncurrent loans to loans | 0.3247% | 3,370 |
| Net loans and leases to total assets | 75.3543% | 1,594 |
| Net loans and leases to deposits | 98.8410% | 733 |
| Net loans and leases to core deposits | 111.5337% | 868 |
| Total domestic deposits to total assets | 76.2379% | 4,616 |
| Equity capital to assets | 11.8252% | 2,396 |
| Core capital (leverage) ratio | 11.6616% | 2,107 |
| Tier 1 risk-based capital ratio | 15.8127% | 2,511 |
| Total risk-based capital ratio | 17.0709% | 2,445 |
| Memoranda: | ||
| Average total assets | $221,793,750 | 2,666 |
| Average earning assets | $218,368,750 | 2,567 |
| Average equity | $25,625,000 | 2,674 |
| Average total loans | $172,258,000 | 2,422 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0457% | 1,363 |
| Cost of funding earning assets | 1.5380% | 333 |
| Net interest margin | 3.5077% | 3,574 |
| Noninterest income to average assets | 0.0091% | 5,238 |
| Noninterest expense to average assets | 1.9513% | 4,683 |
| Loan and lease loss provision to assets | 0.0181% | 3,423 |
| Net operating income to assets | 1.4952% | 1,163 |
| Return on assets (ROA) | 1.4934% | 1,215 |
| Pretax return on assets | 1.4934% | 1,875 |
| Return on Equity (ROE) | 13.0301% | 1,231 |
| Retained earnings to average equity (ytd only) | 8.2358% | 1,301 |
| Net charge-offs to loans | -0.0314% | 4,699 |
| Credit loss provision to net charge-offs | -74.0741% | 3,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3203% | 4,211 |
| Assets per employee ($millions) | 12.3644% | 184 |
| Cash dividends to net income (ytd only)* | 36.7942% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 1,020 |
| Loan loss allowance to noncurrent loans | 444.4270% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 3,408 |
| Noncurrent loans to loans | 0.3607% | 3,241 |
| Net loans and leases to total assets | 78.0822% | 1,206 |
| Net loans and leases to deposits | 100.4573% | 639 |
| Net loans and leases to core deposits | 111.4725% | 888 |
| Total domestic deposits to total assets | 77.7268% | 4,449 |
| Equity capital to assets | 11.7106% | 2,431 |
| Core capital (leverage) ratio | 11.6188% | 2,081 |
| Tier 1 risk-based capital ratio | 15.3549% | 2,679 |
| Total risk-based capital ratio | 16.6125% | 2,608 |
| Memoranda: | ||
| Average total assets | $220,574,670 | 2,686 |
| Average earning assets | $217,292,670 | 2,583 |
| Average equity | $25,280,000 | 2,692 |
| Average total loans | $172,094,330 | 2,435 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0104% | 1,319 |
| Cost of funding earning assets | 1.4896% | 336 |
| Net interest margin | 3.5208% | 3,535 |
| Noninterest income to average assets | 0.0073% | 5,299 |
| Noninterest expense to average assets | 1.8854% | 4,817 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5921% | 913 |
| Return on assets (ROA) | 1.5885% | 946 |
| Pretax return on assets | 1.5885% | 1,500 |
| Return on Equity (ROE) | 14.0145% | 969 |
| Retained earnings to average equity (ytd only) | 9.8680% | 1,067 |
| Net charge-offs to loans | -0.0071% | 4,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2169% | 4,513 |
| Assets per employee ($millions) | 13.6127% | 145 |
| Cash dividends to net income (ytd only)* | 29.5872% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6569% | 947 |
| Loan loss allowance to noncurrent loans | 401.5850% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 3,322 |
| Noncurrent loans to loans | 0.4126% | 3,108 |
| Net loans and leases to total assets | 75.9494% | 1,489 |
| Net loans and leases to deposits | 94.6962% | 1,090 |
| Net loans and leases to core deposits | 103.7597% | 1,332 |
| Total domestic deposits to total assets | 80.2032% | 4,140 |
| Equity capital to assets | 11.6096% | 2,304 |
| Core capital (leverage) ratio | 11.3606% | 2,237 |
| Tier 1 risk-based capital ratio | 15.5800% | 2,613 |
| Total risk-based capital ratio | 16.8377% | 2,536 |
| Memoranda: | ||
| Average total assets | $219,582,500 | 2,727 |
| Average earning assets | $216,428,500 | 2,617 |
| Average equity | $24,888,500 | 2,728 |
| Average total loans | $169,836,500 | 2,479 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9677% | 1,116 |
| Cost of funding earning assets | 1.2866% | 230 |
| Net interest margin | 3.6811% | 3,110 |
| Noninterest income to average assets | 0.0102% | 5,334 |
| Noninterest expense to average assets | 1.9199% | 4,868 |
| Loan and lease loss provision to assets | 0.0756% | 2,612 |
| Net operating income to assets | 1.6424% | 788 |
| Return on assets (ROA) | 1.6304% | 806 |
| Pretax return on assets | 1.6304% | 1,379 |
| Return on Equity (ROE) | 15.6814% | 689 |
| Retained earnings to average equity (ytd only) | 9.4319% | 749 |
| Net charge-offs to loans | -0.0091% | 4,468 |
| Credit loss provision to net charge-offs | -1,062.5000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7751% | 4,735 |
| Assets per employee ($millions) | 13.0213% | 158 |
| Cash dividends to net income (ytd only)* | 39.8527% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 977 |
| Loan loss allowance to noncurrent loans | 389.9160% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 3,265 |
| Noncurrent loans to loans | 0.4164% | 3,043 |
| Net loans and leases to total assets | 76.2019% | 1,580 |
| Net loans and leases to deposits | 94.2026% | 1,254 |
| Net loans and leases to core deposits | 101.9159% | 1,586 |
| Total domestic deposits to total assets | 80.8915% | 3,915 |
| Equity capital to assets | 11.0638% | 2,626 |
| Core capital (leverage) ratio | 11.0131% | 2,516 |
| Tier 1 risk-based capital ratio | 14.8010% | 2,925 |
| Total risk-based capital ratio | 16.0584% | 2,848 |
| Memoranda: | ||
| Average total assets | $224,858,600 | 2,651 |
| Average earning assets | $221,591,000 | 2,549 |
| Average equity | $23,378,000 | 2,785 |
| Average total loans | $174,886,800 | 2,382 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9388% | 1,074 |
| Cost of funding earning assets | 1.2428% | 201 |
| Net interest margin | 3.6960% | 3,035 |
| Noninterest income to average assets | 0.0094% | 5,409 |
| Noninterest expense to average assets | 1.9108% | 4,887 |
| Loan and lease loss provision to assets | 0.1004% | 1,993 |
| Net operating income to assets | 1.6397% | 864 |
| Return on assets (ROA) | 1.6497% | 851 |
| Pretax return on assets | 1.6497% | 1,420 |
| Return on Equity (ROE) | 16.1210% | 678 |
| Retained earnings to average equity (ytd only) | 9.5987% | 1,025 |
| Net charge-offs to loans | -0.0121% | 4,449 |
| Credit loss provision to net charge-offs | -1,062.5000% | 4,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3378% | 4,774 |
| Assets per employee ($millions) | 13.2164% | 149 |
| Cash dividends to net income (ytd only)* | 40.4583% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 977 |
| Loan loss allowance to noncurrent loans | 377.7476% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 3,369 |
| Noncurrent loans to loans | 0.4351% | 3,098 |
| Net loans and leases to total assets | 74.1546% | 1,956 |
| Net loans and leases to deposits | 90.1330% | 1,877 |
| Net loans and leases to core deposits | 98.3954% | 1,901 |
| Total domestic deposits to total assets | 82.2724% | 3,536 |
| Equity capital to assets | 10.5898% | 3,054 |
| Core capital (leverage) ratio | 10.5878% | 2,989 |
| Tier 1 risk-based capital ratio | 14.6144% | 3,059 |
| Total risk-based capital ratio | 15.8719% | 2,982 |
| Memoranda: | ||
| Average total assets | $225,732,750 | 2,659 |
| Average earning assets | $222,396,750 | 2,555 |
| Average equity | $23,099,750 | 2,819 |
| Average total loans | $175,742,000 | 2,380 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9173% | 978 |
| Cost of funding earning assets | 1.1620% | 215 |
| Net interest margin | 3.7553% | 2,730 |
| Noninterest income to average assets | 0.0088% | 5,472 |
| Noninterest expense to average assets | 2.0001% | 4,801 |
| Loan and lease loss provision to assets | 0.1504% | 1,256 |
| Net operating income to assets | 1.5578% | 1,015 |
| Return on assets (ROA) | 1.5729% | 986 |
| Pretax return on assets | 1.5729% | 1,593 |
| Return on Equity (ROE) | 15.5497% | 750 |
| Retained earnings to average equity (ytd only) | 9.3753% | 1,101 |
| Net charge-offs to loans | -0.0180% | 4,520 |
| Credit loss provision to net charge-offs | -1,062.5000% | 4,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9361% | 4,699 |
| Assets per employee ($millions) | 13.5033% | 134 |
| Cash dividends to net income (ytd only)* | 39.7075% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 1,242 |
| Loan loss allowance to noncurrent loans | 368.2540% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 3,446 |
| Noncurrent loans to loans | 0.4208% | 3,192 |
| Net loans and leases to total assets | 77.0566% | 1,458 |
| Net loans and leases to deposits | 94.3101% | 1,324 |
| Net loans and leases to core deposits | 103.2995% | 1,453 |
| Total domestic deposits to total assets | 81.7056% | 3,806 |
| Equity capital to assets | 10.1600% | 3,476 |
| Core capital (leverage) ratio | 9.9258% | 3,661 |
| Tier 1 risk-based capital ratio | 13.5301% | 3,598 |
| Total risk-based capital ratio | 14.7865% | 3,506 |
| Memoranda: | ||
| Average total assets | $226,084,330 | 2,669 |
| Average earning assets | $222,724,000 | 2,566 |
| Average equity | $22,868,670 | 2,853 |
| Average total loans | $177,858,330 | 2,368 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7866% | 1,110 |
| Cost of funding earning assets | 1.0667% | 266 |
| Net interest margin | 3.7199% | 2,729 |
| Noninterest income to average assets | 0.0089% | 5,549 |
| Noninterest expense to average assets | 2.0343% | 4,782 |
| Loan and lease loss provision to assets | 0.1426% | 1,323 |
| Net operating income to assets | 1.4941% | 1,094 |
| Return on assets (ROA) | 1.5244% | 1,027 |
| Pretax return on assets | 1.5244% | 1,616 |
| Return on Equity (ROE) | 15.1050% | 787 |
| Retained earnings to average equity (ytd only) | 10.0700% | 1,134 |
| Net charge-offs to loans | -0.0316% | 4,769 |
| Credit loss provision to net charge-offs | -571.4286% | 4,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4153% | 4,656 |
| Assets per employee ($millions) | 12.7172% | 165 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4805% | 1,531 |
| Loan loss allowance to noncurrent loans | 346.0154% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 3,488 |
| Noncurrent loans to loans | 0.4279% | 3,254 |
| Net loans and leases to total assets | 78.2564% | 1,203 |
| Net loans and leases to deposits | 98.8735% | 796 |
| Net loans and leases to core deposits | 107.2228% | 1,168 |
| Total domestic deposits to total assets | 79.1480% | 4,558 |
| Equity capital to assets | 9.9633% | 3,631 |
| Core capital (leverage) ratio | 10.3231% | 3,162 |
| Tier 1 risk-based capital ratio | 12.8928% | 4,006 |
| Total risk-based capital ratio | 14.1481% | 3,896 |
| Memoranda: | ||
| Average total assets | $224,348,500 | 2,712 |
| Average earning assets | $220,865,000 | 2,605 |
| Average equity | $22,641,500 | 2,900 |
| Average total loans | $176,951,500 | 2,392 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7885% | 997 |
| Cost of funding earning assets | 1.0492% | 167 |
| Net interest margin | 3.7393% | 2,636 |
| Noninterest income to average assets | 0.0088% | 5,601 |
| Noninterest expense to average assets | 2.0232% | 4,924 |
| Loan and lease loss provision to assets | 0.1743% | 1,252 |
| Net operating income to assets | 1.4911% | 820 |
| Return on assets (ROA) | 1.5218% | 775 |
| Pretax return on assets | 1.5218% | 1,556 |
| Return on Equity (ROE) | 14.7036% | 655 |
| Retained earnings to average equity (ytd only) | 3.9105% | 2,858 |
| Net charge-offs to loans | 0.0942% | 2,137 |
| Credit loss provision to net charge-offs | 245.0980% | 1,128 |
| Earnings coverage of net charge-offs (x) | 23.4248% | 1,808 |
| Efficiency ratio | 54.8501% | 4,872 |
| Assets per employee ($millions) | 12.2104% | 178 |
| Cash dividends to net income (ytd only)* | 73.4046% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 1,376 |
| Loan loss allowance to noncurrent loans | 226.3066% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 2,819 |
| Noncurrent loans to loans | 0.6672% | 2,545 |
| Net loans and leases to total assets | 77.1093% | 1,408 |
| Net loans and leases to deposits | 97.8838% | 913 |
| Net loans and leases to core deposits | 105.7143% | 1,278 |
| Total domestic deposits to total assets | 78.7764% | 4,585 |
| Equity capital to assets | 10.2262% | 3,464 |
| Core capital (leverage) ratio | 10.0507% | 3,390 |
| Tier 1 risk-based capital ratio | 13.3163% | 3,732 |
| Total risk-based capital ratio | 14.5717% | 3,641 |
| Memoranda: | ||
| Average total assets | $215,204,800 | 2,764 |
| Average earning assets | $211,777,600 | 2,645 |
| Average equity | $22,273,400 | 2,926 |
| Average total loans | $162,384,600 | 2,515 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7897% | 943 |
| Cost of funding earning assets | 1.0414% | 154 |
| Net interest margin | 3.7484% | 2,583 |
| Noninterest income to average assets | 0.0075% | 5,672 |
| Noninterest expense to average assets | 1.9570% | 5,033 |
| Loan and lease loss provision to assets | 0.1651% | 1,226 |
| Net operating income to assets | 1.5734% | 763 |
| Return on assets (ROA) | 1.5920% | 749 |
| Pretax return on assets | 1.5920% | 1,453 |
| Return on Equity (ROE) | 15.3352% | 612 |
| Retained earnings to average equity (ytd only) | 7.5656% | 1,403 |
| Net charge-offs to loans | 0.1292% | 1,493 |
| Credit loss provision to net charge-offs | 170.9677% | 1,525 |
| Earnings coverage of net charge-offs (x) | 18.0066% | 2,077 |
| Efficiency ratio | 52.9580% | 5,015 |
| Assets per employee ($millions) | 12.3421% | 165 |
| Cash dividends to net income (ytd only)* | 50.6651% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 1,485 |
| Loan loss allowance to noncurrent loans | 323.6979% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 3,656 |
| Noncurrent loans to loans | 0.4678% | 3,297 |
| Net loans and leases to total assets | 72.7815% | 2,128 |
| Net loans and leases to deposits | 92.3036% | 1,525 |
| Net loans and leases to core deposits | 99.5910% | 1,740 |
| Total domestic deposits to total assets | 78.8502% | 4,561 |
| Equity capital to assets | 10.2846% | 3,603 |
| Core capital (leverage) ratio | 10.1968% | 3,317 |
| Tier 1 risk-based capital ratio | 14.4809% | 3,194 |
| Total risk-based capital ratio | 15.7374% | 3,105 |
| Memoranda: | ||
| Average total assets | $214,059,000 | 2,797 |
| Average earning assets | $210,611,250 | 2,674 |
| Average equity | $22,222,750 | 2,952 |
| Average total loans | $159,962,000 | 2,566 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8303% | 804 |
| Cost of funding earning assets | 1.0340% | 141 |
| Net interest margin | 3.7963% | 2,300 |
| Noninterest income to average assets | 0.0066% | 5,720 |
| Noninterest expense to average assets | 1.9218% | 5,152 |
| Loan and lease loss provision to assets | 0.2366% | 718 |
| Net operating income to assets | 1.5831% | 736 |
| Return on assets (ROA) | 1.6115% | 708 |
| Pretax return on assets | 1.6115% | 1,309 |
| Return on Equity (ROE) | 15.4717% | 601 |
| Retained earnings to average equity (ytd only) | 8.0584% | 1,138 |
| Net charge-offs to loans | 0.1968% | 1,025 |
| Credit loss provision to net charge-offs | 160.2564% | 1,459 |
| Earnings coverage of net charge-offs (x) | 12.3269% | 2,205 |
| Efficiency ratio | 51.3657% | 5,215 |
| Assets per employee ($millions) | 12.0509% | 173 |
| Cash dividends to net income (ytd only)* | 47.9154% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5185% | 1,522 |
| Loan loss allowance to noncurrent loans | 356.9364% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3190% | 3,847 |
| Noncurrent loans to loans | 0.4254% | 3,492 |
| Net loans and leases to total assets | 73.8508% | 1,899 |
| Net loans and leases to deposits | 94.7008% | 1,204 |
| Net loans and leases to core deposits | 102.2891% | 1,486 |
| Total domestic deposits to total assets | 77.9833% | 4,817 |
| Equity capital to assets | 10.3846% | 3,473 |
| Core capital (leverage) ratio | 10.3606% | 3,058 |
| Tier 1 risk-based capital ratio | 14.3468% | 3,242 |
| Total risk-based capital ratio | 15.6030% | 3,164 |
| Memoranda: | ||
| Average total assets | $211,359,330 | 2,846 |
| Average earning assets | $207,937,670 | 2,721 |
| Average equity | $22,014,330 | 2,971 |
| Average total loans | $158,557,330 | 2,586 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9216% | 602 |
| Cost of funding earning assets | 1.0315% | 143 |
| Net interest margin | 3.8901% | 1,817 |
| Noninterest income to average assets | 0.0058% | 5,804 |
| Noninterest expense to average assets | 1.8602% | 5,292 |
| Loan and lease loss provision to assets | 0.2877% | 489 |
| Net operating income to assets | 1.6838% | 572 |
| Return on assets (ROA) | 1.7049% | 553 |
| Pretax return on assets | 1.7049% | 995 |
| Return on Equity (ROE) | 16.3430% | 486 |
| Retained earnings to average equity (ytd only) | 10.2213% | 761 |
| Net charge-offs to loans | 0.4013% | 459 |
| Credit loss provision to net charge-offs | 95.5414% | 1,647 |
| Earnings coverage of net charge-offs (x) | 6.5478% | 2,209 |
| Efficiency ratio | 48.5485% | 5,441 |
| Assets per employee ($millions) | 12.4406% | 158 |
| Cash dividends to net income (ytd only)* | 37.4578% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 1,604 |
| Loan loss allowance to noncurrent loans | 333.6620% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 3,853 |
| Noncurrent loans to loans | 0.4571% | 3,460 |
| Net loans and leases to total assets | 72.3202% | 2,029 |
| Net loans and leases to deposits | 93.2235% | 1,196 |
| Net loans and leases to core deposits | 99.5101% | 1,546 |
| Total domestic deposits to total assets | 77.5772% | 5,026 |
| Equity capital to assets | 10.4303% | 3,259 |
| Core capital (leverage) ratio | 10.4424% | 2,964 |
| Tier 1 risk-based capital ratio | 14.7066% | 3,111 |
| Total risk-based capital ratio | 15.9625% | 3,035 |
| Memoranda: | ||
| Average total assets | $208,580,500 | 2,901 |
| Average earning assets | $205,137,000 | 2,775 |
| Average equity | $21,758,500 | 3,004 |
| Average total loans | $156,503,500 | 2,627 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6667% | 1,124 |
| Cost of funding earning assets | 1.0517% | 131 |
| Net interest margin | 3.6150% | 3,020 |
| Noninterest income to average assets | 0.0095% | 5,839 |
| Noninterest expense to average assets | 2.1134% | 4,980 |
| Loan and lease loss provision to assets | 0.0934% | 2,490 |
| Net operating income to assets | 1.3558% | 1,085 |
| Return on assets (ROA) | 1.3538% | 1,143 |
| Pretax return on assets | 1.3538% | 2,088 |
| Return on Equity (ROE) | 12.8471% | 1,028 |
| Retained earnings to average equity (ytd only) | 5.6345% | 1,929 |
| Net charge-offs to loans | 0.1114% | 2,154 |
| Credit loss provision to net charge-offs | 108.7209% | 2,414 |
| Earnings coverage of net charge-offs (x) | 16.8721% | 2,085 |
| Efficiency ratio | 59.3216% | 4,686 |
| Assets per employee ($millions) | 12.0983% | 165 |
| Cash dividends to net income (ytd only)* | 56.1416% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 1,639 |
| Loan loss allowance to noncurrent loans | 156.4187% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7386% | 2,516 |
| Noncurrent loans to loans | 0.9633% | 2,159 |
| Net loans and leases to total assets | 75.5148% | 1,599 |
| Net loans and leases to deposits | 97.8152% | 842 |
| Net loans and leases to core deposits | 104.6577% | 1,235 |
| Total domestic deposits to total assets | 77.2015% | 5,088 |
| Equity capital to assets | 10.4332% | 3,231 |
| Core capital (leverage) ratio | 10.3801% | 3,017 |
| Tier 1 risk-based capital ratio | 14.2352% | 3,327 |
| Total risk-based capital ratio | 15.4915% | 3,254 |
| Memoranda: | ||
| Average total assets | $200,248,400 | 2,954 |
| Average earning assets | $196,818,800 | 2,823 |
| Average equity | $21,102,000 | 3,057 |
| Average total loans | $154,386,800 | 2,585 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6387% | 1,217 |
| Cost of funding earning assets | 1.0473% | 130 |
| Net interest margin | 3.5914% | 3,106 |
| Noninterest income to average assets | 0.0094% | 5,906 |
| Noninterest expense to average assets | 2.1009% | 5,006 |
| Loan and lease loss provision to assets | 0.0570% | 3,101 |
| Net operating income to assets | 1.3803% | 1,103 |
| Return on assets (ROA) | 1.3776% | 1,175 |
| Pretax return on assets | 1.3776% | 2,135 |
| Return on Equity (ROE) | 13.0392% | 1,044 |
| Retained earnings to average equity (ytd only) | 5.8756% | 2,256 |
| Net charge-offs to loans | 0.0382% | 2,865 |
| Credit loss provision to net charge-offs | 193.1818% | 1,471 |
| Earnings coverage of net charge-offs (x) | 48.7234% | 1,094 |
| Efficiency ratio | 59.3786% | 4,634 |
| Assets per employee ($millions) | 11.8399% | 178 |
| Cash dividends to net income (ytd only)* | 54.9394% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 1,592 |
| Loan loss allowance to noncurrent loans | 143.3174% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.8327% | 2,461 |
| Noncurrent loans to loans | 1.0881% | 2,080 |
| Net loans and leases to total assets | 75.3298% | 1,649 |
| Net loans and leases to deposits | 98.3505% | 825 |
| Net loans and leases to core deposits | 108.0790% | 1,047 |
| Total domestic deposits to total assets | 76.5932% | 5,149 |
| Equity capital to assets | 10.6643% | 3,390 |
| Core capital (leverage) ratio | 10.3474% | 3,162 |
| Tier 1 risk-based capital ratio | 14.7866% | 3,149 |
| Total risk-based capital ratio | 16.0438% | 3,088 |
| Memoranda: | ||
| Average total assets | $198,892,750 | 2,978 |
| Average earning assets | $195,423,250 | 2,850 |
| Average equity | $21,013,000 | 3,095 |
| Average total loans | $153,561,500 | 2,597 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 1,263 |
| Cost of funding earning assets | 1.0394% | 130 |
| Net interest margin | 3.5609% | 3,245 |
| Noninterest income to average assets | 0.0081% | 5,986 |
| Noninterest expense to average assets | 2.0949% | 5,067 |
| Loan and lease loss provision to assets | 0.0676% | 2,789 |
| Net operating income to assets | 1.3458% | 1,178 |
| Return on assets (ROA) | 1.3498% | 1,238 |
| Pretax return on assets | 1.3498% | 2,205 |
| Return on Equity (ROE) | 12.8174% | 1,075 |
| Retained earnings to average equity (ytd only) | 6.0204% | 2,108 |
| Net charge-offs to loans | 0.0587% | 2,351 |
| Credit loss provision to net charge-offs | 148.8889% | 1,601 |
| Earnings coverage of net charge-offs (x) | 31.1111% | 1,368 |
| Efficiency ratio | 59.7122% | 4,677 |
| Assets per employee ($millions) | 12.4971% | 136 |
| Cash dividends to net income (ytd only)* | 53.0292% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 1,744 |
| Loan loss allowance to noncurrent loans | 140.1765% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.8502% | 2,468 |
| Noncurrent loans to loans | 1.0935% | 2,099 |
| Net loans and leases to total assets | 76.5595% | 1,405 |
| Net loans and leases to deposits | 99.7102% | 715 |
| Net loans and leases to core deposits | 110.6035% | 899 |
| Total domestic deposits to total assets | 76.7820% | 5,186 |
| Equity capital to assets | 10.6310% | 3,497 |
| Core capital (leverage) ratio | 10.3522% | 3,127 |
| Tier 1 risk-based capital ratio | 14.3491% | 3,405 |
| Total risk-based capital ratio | 15.6057% | 3,322 |
| Memoranda: | ||
| Average total assets | $198,097,330 | 2,995 |
| Average earning assets | $194,723,330 | 2,872 |
| Average equity | $20,862,330 | 3,110 |
| Average total loans | $153,407,000 | 2,608 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 1,418 |
| Cost of funding earning assets | 1.0385% | 129 |
| Net interest margin | 3.4933% | 3,498 |
| Noninterest income to average assets | 0.0061% | 6,057 |
| Noninterest expense to average assets | 2.0429% | 5,238 |
| Loan and lease loss provision to assets | 0.0142% | 3,509 |
| Net operating income to assets | 1.3816% | 1,075 |
| Return on assets (ROA) | 1.3816% | 1,131 |
| Pretax return on assets | 1.3816% | 1,957 |
| Return on Equity (ROE) | 13.1817% | 998 |
| Retained earnings to average equity (ytd only) | 6.6973% | 2,031 |
| Net charge-offs to loans | -0.0026% | 4,155 |
| Credit loss provision to net charge-offs | -700.0000% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4100% | 4,821 |
| Assets per employee ($millions) | 11.0489% | 199 |
| Cash dividends to net income (ytd only)* | 49.1924% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 1,793 |
| Loan loss allowance to noncurrent loans | 258.9071% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 3,748 |
| Noncurrent loans to loans | 0.5982% | 3,384 |
| Net loans and leases to total assets | 75.7205% | 1,432 |
| Net loans and leases to deposits | 98.6589% | 710 |
| Net loans and leases to core deposits | 108.7864% | 928 |
| Total domestic deposits to total assets | 76.7498% | 5,325 |
| Equity capital to assets | 10.4822% | 3,520 |
| Core capital (leverage) ratio | 10.2805% | 3,226 |
| Tier 1 risk-based capital ratio | 14.7230% | 3,273 |
| Total risk-based capital ratio | 15.9793% | 3,217 |
| Memoranda: | ||
| Average total assets | $197,169,500 | 3,017 |
| Average earning assets | $193,742,000 | 2,895 |
| Average equity | $20,665,000 | 3,132 |
| Average total loans | $152,377,500 | 2,614 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6604% | 1,197 |
| Cost of funding earning assets | 1.0939% | 107 |
| Net interest margin | 3.5665% | 3,251 |
| Noninterest income to average assets | 0.0294% | 6,048 |
| Noninterest expense to average assets | 2.0967% | 5,264 |
| Loan and lease loss provision to assets | 0.0721% | 2,828 |
| Net operating income to assets | 1.3583% | 1,125 |
| Return on assets (ROA) | 1.3979% | 1,087 |
| Pretax return on assets | 1.3979% | 1,913 |
| Return on Equity (ROE) | 13.6785% | 915 |
| Retained earnings to average equity (ytd only) | 5.7477% | 1,926 |
| Net charge-offs to loans | -0.0126% | 5,162 |
| Credit loss provision to net charge-offs | -736.8421% | 5,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4449% | 4,981 |
| Assets per employee ($millions) | 10.8588% | 208 |
| Cash dividends to net income (ytd only)* | 57.9801% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5554% | 1,778 |
| Loan loss allowance to noncurrent loans | 252.2436% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 3,711 |
| Noncurrent loans to loans | 0.6166% | 3,336 |
| Net loans and leases to total assets | 76.4518% | 1,338 |
| Net loans and leases to deposits | 99.9044% | 680 |
| Net loans and leases to core deposits | 110.3903% | 831 |
| Total domestic deposits to total assets | 76.5250% | 5,388 |
| Equity capital to assets | 10.4794% | 3,383 |
| Core capital (leverage) ratio | 10.1680% | 3,298 |
| Tier 1 risk-based capital ratio | 15.2959% | 3,039 |
| Total risk-based capital ratio | 16.5538% | 2,974 |
| Memoranda: | ||
| Average total assets | $194,070,600 | 3,003 |
| Average earning assets | $190,327,600 | 2,884 |
| Average equity | $19,834,000 | 3,189 |
| Average total loans | $151,108,000 | 2,584 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6490% | 1,213 |
| Cost of funding earning assets | 1.1011% | 99 |
| Net interest margin | 3.5478% | 3,348 |
| Noninterest income to average assets | 0.0103% | 6,168 |
| Noninterest expense to average assets | 2.0358% | 5,410 |
| Loan and lease loss provision to assets | 0.0964% | 2,247 |
| Net operating income to assets | 1.3552% | 1,215 |
| Return on assets (ROA) | 1.3992% | 1,151 |
| Pretax return on assets | 1.3992% | 2,015 |
| Return on Equity (ROE) | 13.7792% | 949 |
| Retained earnings to average equity (ytd only) | 5.9373% | 2,286 |
| Net charge-offs to loans | -0.0159% | 5,125 |
| Credit loss provision to net charge-offs | -777.7778% | 5,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3777% | 5,076 |
| Assets per employee ($millions) | 10.9163% | 202 |
| Cash dividends to net income (ytd only)* | 56.9110% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 1,995 |
| Loan loss allowance to noncurrent loans | 246.8619% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 3,873 |
| Noncurrent loans to loans | 0.6244% | 3,448 |
| Net loans and leases to total assets | 76.7184% | 1,288 |
| Net loans and leases to deposits | 99.2847% | 707 |
| Net loans and leases to core deposits | 108.5956% | 948 |
| Total domestic deposits to total assets | 77.2711% | 5,303 |
| Equity capital to assets | 10.2105% | 3,918 |
| Core capital (leverage) ratio | 9.9666% | 3,683 |
| Tier 1 risk-based capital ratio | 15.0837% | 3,254 |
| Total risk-based capital ratio | 16.3415% | 3,186 |
| Memoranda: | ||
| Average total assets | $193,723,500 | 3,032 |
| Average earning assets | $189,859,000 | 2,916 |
| Average equity | $19,671,750 | 3,235 |
| Average total loans | $150,936,750 | 2,595 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 1,062 |
| Cost of funding earning assets | 1.1140% | 89 |
| Net interest margin | 3.5889% | 3,134 |
| Noninterest income to average assets | -0.0073% | 6,273 |
| Noninterest expense to average assets | 2.0954% | 5,348 |
| Loan and lease loss provision to assets | 0.1089% | 2,012 |
| Net operating income to assets | 1.3039% | 1,312 |
| Return on assets (ROA) | 1.3485% | 1,238 |
| Pretax return on assets | 1.3485% | 2,185 |
| Return on Equity (ROE) | 13.3051% | 1,055 |
| Retained earnings to average equity (ytd only) | 5.5165% | 2,527 |
| Net charge-offs to loans | -0.0226% | 5,214 |
| Credit loss provision to net charge-offs | -617.6471% | 5,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7280% | 5,018 |
| Assets per employee ($millions) | 10.9181% | 200 |
| Cash dividends to net income (ytd only)* | 58.5385% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5915% | 1,938 |
| Loan loss allowance to noncurrent loans | 235.9391% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 3,859 |
| Noncurrent loans to loans | 0.6745% | 3,459 |
| Net loans and leases to total assets | 73.1226% | 1,799 |
| Net loans and leases to deposits | 94.1803% | 1,133 |
| Net loans and leases to core deposits | 103.7514% | 1,204 |
| Total domestic deposits to total assets | 77.6411% | 5,352 |
| Equity capital to assets | 10.0073% | 4,033 |
| Core capital (leverage) ratio | 9.8290% | 3,829 |
| Tier 1 risk-based capital ratio | 15.4307% | 3,144 |
| Total risk-based capital ratio | 16.6895% | 3,077 |
| Memoranda: | ||
| Average total assets | $192,800,000 | 3,068 |
| Average earning assets | $188,862,330 | 2,943 |
| Average equity | $19,541,330 | 3,271 |
| Average total loans | $150,213,330 | 2,614 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6941% | 1,043 |
| Cost of funding earning assets | 1.1264% | 84 |
| Net interest margin | 3.5677% | 3,137 |
| Noninterest income to average assets | 0.0063% | 6,321 |
| Noninterest expense to average assets | 2.1557% | 5,258 |
| Loan and lease loss provision to assets | 0.1027% | 1,984 |
| Net operating income to assets | 1.2381% | 1,438 |
| Return on assets (ROA) | 1.2653% | 1,450 |
| Pretax return on assets | 1.2653% | 2,401 |
| Return on Equity (ROE) | 12.4034% | 1,243 |
| Retained earnings to average equity (ytd only) | 5.0107% | 3,047 |
| Net charge-offs to loans | -0.0026% | 4,378 |
| Credit loss provision to net charge-offs | -4,900.0000% | 5,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6537% | 4,852 |
| Assets per employee ($millions) | 10.7947% | 211 |
| Cash dividends to net income (ytd only)* | 59.6026% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 2,580 |
| Loan loss allowance to noncurrent loans | 210.0746% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.6557% | 3,530 |
| Noncurrent loans to loans | 0.6997% | 3,528 |
| Net loans and leases to total assets | 77.6917% | 970 |
| Net loans and leases to deposits | 100.4525% | 540 |
| Net loans and leases to core deposits | 110.6284% | 718 |
| Total domestic deposits to total assets | 77.3417% | 5,559 |
| Equity capital to assets | 10.1171% | 3,991 |
| Core capital (leverage) ratio | 9.8439% | 3,831 |
| Tier 1 risk-based capital ratio | 14.1869% | 3,887 |
| Total risk-based capital ratio | 14.1869% | 4,558 |
| Memoranda: | ||
| Average total assets | $190,937,000 | 3,106 |
| Average earning assets | $186,788,500 | 2,975 |
| Average equity | $19,478,500 | 3,293 |
| Average total loans | $152,305,500 | 2,595 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7938% | 1,127 |
| Cost of funding earning assets | 1.1773% | 91 |
| Net interest margin | 3.6165% | 3,349 |
| Noninterest income to average assets | 0.0470% | 6,301 |
| Noninterest expense to average assets | 2.1411% | 5,479 |
| Loan and lease loss provision to assets | 0.0935% | 2,598 |
| Net operating income to assets | 1.3464% | 1,196 |
| Return on assets (ROA) | 1.3254% | 1,294 |
| Pretax return on assets | 1.3254% | 2,157 |
| Return on Equity (ROE) | 12.8253% | 1,178 |
| Retained earnings to average equity (ytd only) | 6.4620% | 1,669 |
| Net charge-offs to loans | 0.1247% | 2,783 |
| Credit loss provision to net charge-offs | 92.1788% | 2,597 |
| Earnings coverage of net charge-offs (x) | 14.2011% | 2,188 |
| Efficiency ratio | 59.7912% | 5,250 |
| Assets per employee ($millions) | 10.4206% | 217 |
| Cash dividends to net income (ytd only)* | 49.6154% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 2,673 |
| Loan loss allowance to noncurrent loans | 165.0675% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.8893% | 2,982 |
| Noncurrent loans to loans | 0.8811% | 3,118 |
| Net loans and leases to total assets | 79.5431% | 804 |
| Net loans and leases to deposits | 104.3466% | 421 |
| Net loans and leases to core deposits | 114.7349% | 566 |
| Total domestic deposits to total assets | 76.2297% | 5,700 |
| Equity capital to assets | 10.2890% | 3,741 |
| Core capital (leverage) ratio | 10.1080% | 3,428 |
| Tier 1 risk-based capital ratio | 14.0487% | 4,054 |
| Total risk-based capital ratio | 15.3046% | 3,978 |
| Memoranda: | ||
| Average total assets | $176,548,200 | 3,249 |
| Average earning assets | $172,512,800 | 3,126 |
| Average equity | $18,245,200 | 3,374 |
| Average total loans | $143,500,400 | 2,659 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8256% | 1,067 |
| Cost of funding earning assets | 1.1776% | 97 |
| Net interest margin | 3.6481% | 3,233 |
| Noninterest income to average assets | 0.0621% | 6,352 |
| Noninterest expense to average assets | 2.2141% | 5,324 |
| Loan and lease loss provision to assets | 0.0637% | 3,080 |
| Net operating income to assets | 1.3495% | 1,250 |
| Return on assets (ROA) | 1.3188% | 1,377 |
| Pretax return on assets | 1.3188% | 2,307 |
| Return on Equity (ROE) | 12.7459% | 1,286 |
| Retained earnings to average equity (ytd only) | 6.9106% | 1,862 |
| Net charge-offs to loans | 0.1969% | 1,898 |
| Credit loss provision to net charge-offs | 39.7129% | 3,293 |
| Earnings coverage of net charge-offs (x) | 8.8134% | 2,745 |
| Efficiency ratio | 61.0406% | 5,032 |
| Assets per employee ($millions) | 9.9788% | 241 |
| Cash dividends to net income (ytd only)* | 45.7826% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 3,049 |
| Loan loss allowance to noncurrent loans | 152.8895% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.9537% | 3,061 |
| Noncurrent loans to loans | 0.9327% | 3,229 |
| Net loans and leases to total assets | 80.4291% | 669 |
| Net loans and leases to deposits | 106.7596% | 299 |
| Net loans and leases to core deposits | 114.3036% | 578 |
| Total domestic deposits to total assets | 75.3367% | 5,892 |
| Equity capital to assets | 10.5022% | 3,555 |
| Core capital (leverage) ratio | 10.3656% | 3,192 |
| Tier 1 risk-based capital ratio | 14.3623% | 3,976 |
| Total risk-based capital ratio | 15.6175% | 3,907 |
| Memoranda: | ||
| Average total assets | $173,792,750 | 3,311 |
| Average earning assets | $169,839,000 | 3,190 |
| Average equity | $17,981,750 | 3,418 |
| Average total loans | $141,525,250 | 2,704 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8453% | 997 |
| Cost of funding earning assets | 1.1705% | 100 |
| Net interest margin | 3.6747% | 3,050 |
| Noninterest income to average assets | 0.0663% | 6,388 |
| Noninterest expense to average assets | 2.2380% | 5,318 |
| Loan and lease loss provision to assets | 0.0349% | 3,590 |
| Net operating income to assets | 1.3849% | 1,098 |
| Return on assets (ROA) | 1.3384% | 1,253 |
| Pretax return on assets | 1.3384% | 2,122 |
| Return on Equity (ROE) | 13.0034% | 1,176 |
| Retained earnings to average equity (ytd only) | 7.0331% | 1,753 |
| Net charge-offs to loans | 0.2560% | 1,533 |
| Credit loss provision to net charge-offs | 16.7598% | 3,234 |
| Earnings coverage of net charge-offs (x) | 6.8156% | 2,717 |
| Efficiency ratio | 61.1836% | 5,119 |
| Assets per employee ($millions) | 9.7358% | 252 |
| Cash dividends to net income (ytd only)* | 45.9130% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 3,213 |
| Loan loss allowance to noncurrent loans | 85.4839% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.3798% | 2,366 |
| Noncurrent loans to loans | 1.6683% | 2,078 |
| Net loans and leases to total assets | 81.5276% | 518 |
| Net loans and leases to deposits | 110.9383% | 184 |
| Net loans and leases to core deposits | 118.9944% | 401 |
| Total domestic deposits to total assets | 73.4891% | 6,154 |
| Equity capital to assets | 10.4425% | 3,510 |
| Core capital (leverage) ratio | 10.4096% | 3,073 |
| Tier 1 risk-based capital ratio | 14.2750% | 4,081 |
| Total risk-based capital ratio | 15.5305% | 4,012 |
| Memoranda: | ||
| Average total assets | $171,850,670 | 3,355 |
| Average earning assets | $167,957,330 | 3,219 |
| Average equity | $17,687,670 | 3,454 |
| Average total loans | $139,848,330 | 2,732 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7772% | 1,090 |
| Cost of funding earning assets | 1.1685% | 108 |
| Net interest margin | 3.6088% | 3,217 |
| Noninterest income to average assets | 0.0212% | 6,563 |
| Noninterest expense to average assets | 2.2286% | 5,390 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3212% | 1,160 |
| Return on assets (ROA) | 1.2694% | 1,348 |
| Pretax return on assets | 1.2694% | 2,215 |
| Return on Equity (ROE) | 12.4270% | 1,303 |
| Retained earnings to average equity (ytd only) | 7.5483% | 1,792 |
| Net charge-offs to loans | 0.0670% | 2,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 24.4348% | 1,178 |
| Efficiency ratio | 62.7815% | 5,023 |
| Assets per employee ($millions) | 9.5957% | 269 |
| Cash dividends to net income (ytd only)* | 39.2593% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 2,807 |
| Loan loss allowance to noncurrent loans | 62.4608% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 2.0327% | 1,671 |
| Noncurrent loans to loans | 2.5222% | 1,369 |
| Net loans and leases to total assets | 79.3252% | 621 |
| Net loans and leases to deposits | 106.5677% | 226 |
| Net loans and leases to core deposits | 113.6803% | 472 |
| Total domestic deposits to total assets | 74.4364% | 6,208 |
| Equity capital to assets | 10.2807% | 3,505 |
| Core capital (leverage) ratio | 10.3896% | 3,059 |
| Tier 1 risk-based capital ratio | 14.8501% | 3,786 |
| Total risk-based capital ratio | 16.1085% | 3,738 |
| Memoranda: | ||
| Average total assets | $170,153,500 | 3,404 |
| Average earning assets | $166,372,500 | 3,261 |
| Average equity | $17,381,500 | 3,499 |
| Average total loans | $137,302,500 | 2,772 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8045% | 1,301 |
| Cost of funding earning assets | 1.1915% | 187 |
| Net interest margin | 3.6130% | 3,403 |
| Noninterest income to average assets | 0.1107% | 6,350 |
| Noninterest expense to average assets | 2.3241% | 5,305 |
| Loan and lease loss provision to assets | 0.0800% | 3,508 |
| Net operating income to assets | 1.2192% | 1,494 |
| Return on assets (ROA) | 1.2838% | 1,349 |
| Pretax return on assets | 1.2838% | 2,220 |
| Return on Equity (ROE) | 12.5449% | 1,264 |
| Retained earnings to average equity (ytd only) | 9.6416% | 639 |
| Net charge-offs to loans | 0.0829% | 4,051 |
| Credit loss provision to net charge-offs | 125.0000% | 1,900 |
| Earnings coverage of net charge-offs (x) | 20.3077% | 1,555 |
| Efficiency ratio | 64.1426% | 4,868 |
| Assets per employee ($millions) | 9.8579% | 242 |
| Cash dividends to net income (ytd only)* | 23.1433% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6366% | 2,621 |
| Loan loss allowance to noncurrent loans | 73.8913% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.7895% | 2,064 |
| Noncurrent loans to loans | 2.2149% | 1,757 |
| Net loans and leases to total assets | 79.4725% | 653 |
| Net loans and leases to deposits | 107.1662% | 228 |
| Net loans and leases to core deposits | 114.6655% | 450 |
| Total domestic deposits to total assets | 74.1582% | 6,267 |
| Equity capital to assets | 10.1477% | 3,573 |
| Core capital (leverage) ratio | 10.4927% | 2,932 |
| Tier 1 risk-based capital ratio | 15.2066% | 3,541 |
| Total risk-based capital ratio | 16.4663% | 3,483 |
| Memoranda: | ||
| Average total assets | $162,559,400 | 3,522 |
| Average earning assets | $158,038,800 | 3,376 |
| Average equity | $16,636,200 | 3,606 |
| Average total loans | $125,519,400 | 2,925 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8122% | 1,320 |
| Cost of funding earning assets | 1.1939% | 205 |
| Net interest margin | 3.6183% | 3,369 |
| Noninterest income to average assets | 0.1372% | 6,338 |
| Noninterest expense to average assets | 2.3425% | 5,206 |
| Loan and lease loss provision to assets | 0.1075% | 2,967 |
| Net operating income to assets | 1.1994% | 1,641 |
| Return on assets (ROA) | 1.2862% | 1,450 |
| Pretax return on assets | 1.2862% | 2,379 |
| Return on Equity (ROE) | 12.5401% | 1,344 |
| Retained earnings to average equity (ytd only) | 10.4850% | 691 |
| Net charge-offs to loans | 0.0184% | 4,760 |
| Credit loss provision to net charge-offs | 764.7059% | 376 |
| Earnings coverage of net charge-offs (x) | 92.9841% | 523 |
| Efficiency ratio | 64.1903% | 4,770 |
| Assets per employee ($millions) | 9.5987% | 262 |
| Cash dividends to net income (ytd only)* | 16.3881% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7907% | 2,334 |
| Loan loss allowance to noncurrent loans | 164.6176% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.8573% | 3,974 |
| Noncurrent loans to loans | 1.0878% | 3,617 |
| Net loans and leases to total assets | 77.4038% | 821 |
| Net loans and leases to deposits | 103.6161% | 313 |
| Net loans and leases to core deposits | 110.5310% | 560 |
| Total domestic deposits to total assets | 74.7025% | 6,306 |
| Equity capital to assets | 10.3163% | 3,481 |
| Core capital (leverage) ratio | 10.4465% | 3,065 |
| Tier 1 risk-based capital ratio | 16.1110% | 3,125 |
| Total risk-based capital ratio | 17.3734% | 3,084 |
| Memoranda: | ||
| Average total assets | $161,303,000 | 3,578 |
| Average earning assets | $156,570,750 | 3,431 |
| Average equity | $16,543,750 | 3,666 |
| Average total loans | $123,049,250 | 2,998 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7858% | 1,359 |
| Cost of funding earning assets | 1.1965% | 218 |
| Net interest margin | 3.5894% | 3,404 |
| Noninterest income to average assets | 0.1631% | 6,240 |
| Noninterest expense to average assets | 2.3774% | 5,114 |
| Loan and lease loss provision to assets | 0.1618% | 2,306 |
| Net operating income to assets | 1.1078% | 1,903 |
| Return on assets (ROA) | 1.2012% | 1,699 |
| Pretax return on assets | 1.2012% | 2,673 |
| Return on Equity (ROE) | 11.7347% | 1,573 |
| Retained earnings to average equity (ytd only) | 11.7347% | 538 |
| Net charge-offs to loans | -0.0743% | 6,404 |
| Credit loss provision to net charge-offs | -288.8889% | 5,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1877% | 4,681 |
| Assets per employee ($millions) | 9.0537% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9011% | 2,110 |
| Loan loss allowance to noncurrent loans | 105.4862% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.3757% | 3,039 |
| Noncurrent loans to loans | 1.8022% | 2,638 |
| Net loans and leases to total assets | 74.8843% | 1,122 |
| Net loans and leases to deposits | 99.0464% | 475 |
| Net loans and leases to core deposits | 105.9929% | 740 |
| Total domestic deposits to total assets | 75.6053% | 6,294 |
| Equity capital to assets | 10.3371% | 3,507 |
| Core capital (leverage) ratio | 10.3684% | 3,023 |
| Tier 1 risk-based capital ratio | 16.4495% | 2,959 |
| Total risk-based capital ratio | 17.7134% | 2,910 |
| Memoranda: | ||
| Average total assets | $160,678,000 | 3,598 |
| Average earning assets | $155,961,330 | 3,460 |
| Average equity | $16,447,000 | 3,706 |
| Average total loans | $121,196,000 | 3,049 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7153% | 1,493 |
| Cost of funding earning assets | 1.1911% | 238 |
| Net interest margin | 3.5242% | 3,600 |
| Noninterest income to average assets | 0.2457% | 5,702 |
| Noninterest expense to average assets | 2.2014% | 5,688 |
| Loan and lease loss provision to assets | 0.1880% | 1,956 |
| Net operating income to assets | 1.2687% | 1,357 |
| Return on assets (ROA) | 1.2963% | 1,387 |
| Pretax return on assets | 1.2963% | 2,243 |
| Return on Equity (ROE) | 12.7281% | 1,235 |
| Retained earnings to average equity (ytd only) | 12.7281% | 590 |
| Net charge-offs to loans | -0.1505% | 6,605 |
| Credit loss provision to net charge-offs | -166.6667% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1782% | 5,563 |
| Assets per employee ($millions) | 8.9928% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8795% | 2,368 |
| Loan loss allowance to noncurrent loans | 82.9443% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.9769% | 2,371 |
| Noncurrent loans to loans | 2.2660% | 2,311 |
| Net loans and leases to total assets | 74.5011% | 1,011 |
| Net loans and leases to deposits | 100.3261% | 338 |
| Net loans and leases to core deposits | 107.5483% | 577 |
| Total domestic deposits to total assets | 74.2590% | 6,515 |
| Equity capital to assets | 10.1934% | 3,913 |
| Core capital (leverage) ratio | 9.9705% | 3,422 |
| Tier 1 risk-based capital ratio | 15.7837% | 3,382 |
| Total risk-based capital ratio | 17.0477% | 3,334 |
| Memoranda: | ||
| Average total assets | $159,534,000 | 3,657 |
| Average earning assets | $154,475,500 | 3,523 |
| Average equity | $16,247,500 | 3,780 |
| Average total loans | $119,593,500 | 3,090 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 2,516 |
| Cost of funding earning assets | 1.3110% | 358 |
| Net interest margin | 3.4088% | 4,851 |
| Noninterest income to average assets | 0.0832% | 6,570 |
| Noninterest expense to average assets | 2.2547% | 5,803 |
| Loan and lease loss provision to assets | 0.6125% | 892 |
| Net operating income to assets | 0.5068% | 4,656 |
| Return on assets (ROA) | 0.5725% | 4,628 |
| Pretax return on assets | 0.5725% | 5,073 |
| Return on Equity (ROE) | 5.7674% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.7674% | 2,212 |
| Net charge-offs to loans | 0.4003% | 2,658 |
| Credit loss provision to net charge-offs | 205.1836% | 1,251 |
| Earnings coverage of net charge-offs (x) | 3.7495% | 3,619 |
| Efficiency ratio | 66.8259% | 4,357 |
| Assets per employee ($millions) | 9.2469% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8834% | 2,342 |
| Loan loss allowance to noncurrent loans | 83.9724% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 2.1196% | 2,311 |
| Noncurrent loans to loans | 2.2428% | 2,414 |
| Net loans and leases to total assets | 72.5785% | 1,413 |
| Net loans and leases to deposits | 96.5156% | 593 |
| Net loans and leases to core deposits | 102.5841% | 853 |
| Total domestic deposits to total assets | 75.1988% | 6,430 |
| Equity capital to assets | 10.1751% | 3,922 |
| Core capital (leverage) ratio | 9.7893% | 3,673 |
| Tier 1 risk-based capital ratio | 16.0717% | 3,126 |
| Total risk-based capital ratio | 17.3359% | 3,068 |
| Memoranda: | ||
| Average total assets | $155,098,200 | 3,699 |
| Average earning assets | $149,729,000 | 3,556 |
| Average equity | $15,397,000 | 3,880 |
| Average total loans | $115,659,200 | 3,171 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7146% | 2,744 |
| Cost of funding earning assets | 1.3256% | 397 |
| Net interest margin | 3.3891% | 5,071 |
| Noninterest income to average assets | 0.0500% | 6,804 |
| Noninterest expense to average assets | 2.2246% | 5,894 |
| Loan and lease loss provision to assets | 0.6901% | 739 |
| Net operating income to assets | 0.4037% | 5,234 |
| Return on assets (ROA) | 0.4917% | 5,145 |
| Pretax return on assets | 0.4917% | 5,490 |
| Return on Equity (ROE) | 4.9843% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.9843% | 3,372 |
| Net charge-offs to loans | 0.3417% | 2,743 |
| Credit loss provision to net charge-offs | 270.2703% | 1,006 |
| Earnings coverage of net charge-offs (x) | 4.2837% | 3,350 |
| Efficiency ratio | 67.0393% | 4,240 |
| Assets per employee ($millions) | 9.1224% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8916% | 2,507 |
| Loan loss allowance to noncurrent loans | 55.1336% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 3.1551% | 1,639 |
| Noncurrent loans to loans | 3.4309% | 1,590 |
| Net loans and leases to total assets | 73.8124% | 1,274 |
| Net loans and leases to deposits | 97.5375% | 566 |
| Net loans and leases to core deposits | 104.0013% | 867 |
| Total domestic deposits to total assets | 75.6759% | 6,433 |
| Equity capital to assets | 10.0934% | 4,365 |
| Core capital (leverage) ratio | 9.6939% | 3,968 |
| Tier 1 risk-based capital ratio | 15.4937% | 3,536 |
| Total risk-based capital ratio | 16.7570% | 3,495 |
| Memoranda: | ||
| Average total assets | $154,573,250 | 3,746 |
| Average earning assets | $149,063,750 | 3,606 |
| Average equity | $15,247,500 | 3,944 |
| Average total loans | $115,503,500 | 3,211 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7728% | 2,624 |
| Cost of funding earning assets | 1.3339% | 457 |
| Net interest margin | 3.4389% | 4,929 |
| Noninterest income to average assets | 0.0738% | 6,782 |
| Noninterest expense to average assets | 2.2331% | 5,916 |
| Loan and lease loss provision to assets | 0.7772% | 658 |
| Net operating income to assets | 0.3795% | 5,304 |
| Return on assets (ROA) | 0.5103% | 5,038 |
| Pretax return on assets | 0.5103% | 5,410 |
| Return on Equity (ROE) | 5.2143% | 4,697 |
| Retained earnings to average equity (ytd only) | 5.2143% | 3,148 |
| Net charge-offs to loans | 0.5230% | 2,019 |
| Credit loss provision to net charge-offs | 199.3355% | 1,433 |
| Earnings coverage of net charge-offs (x) | 2.9668% | 3,561 |
| Efficiency ratio | 65.8770% | 4,553 |
| Assets per employee ($millions) | 9.5405% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7558% | 3,003 |
| Loan loss allowance to noncurrent loans | 51.1628% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 3.0626% | 1,789 |
| Noncurrent loans to loans | 3.4318% | 1,688 |
| Net loans and leases to total assets | 73.3845% | 1,343 |
| Net loans and leases to deposits | 97.0391% | 570 |
| Net loans and leases to core deposits | 102.8660% | 927 |
| Total domestic deposits to total assets | 75.6237% | 6,514 |
| Equity capital to assets | 10.0958% | 4,191 |
| Core capital (leverage) ratio | 9.7127% | 3,814 |
| Tier 1 risk-based capital ratio | 15.8356% | 3,256 |
| Total risk-based capital ratio | 17.0972% | 3,216 |
| Memoranda: | ||
| Average total assets | $154,404,000 | 3,759 |
| Average earning assets | $148,885,000 | 3,621 |
| Average equity | $15,112,330 | 3,964 |
| Average total loans | $115,112,670 | 3,234 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8638% | 2,380 |
| Cost of funding earning assets | 1.3545% | 502 |
| Net interest margin | 3.5094% | 4,648 |
| Noninterest income to average assets | 0.0953% | 6,767 |
| Noninterest expense to average assets | 2.2153% | 5,999 |
| Loan and lease loss provision to assets | 0.9016% | 488 |
| Net operating income to assets | 0.3555% | 5,452 |
| Return on assets (ROA) | 0.3555% | 5,630 |
| Pretax return on assets | 0.3555% | 5,842 |
| Return on Equity (ROE) | 3.6891% | 5,434 |
| Retained earnings to average equity (ytd only) | 3.6891% | 4,376 |
| Net charge-offs to loans | 0.7609% | 1,342 |
| Credit loss provision to net charge-offs | 159.0909% | 1,592 |
| Earnings coverage of net charge-offs (x) | 2.2182% | 3,280 |
| Efficiency ratio | 63.7982% | 4,956 |
| Assets per employee ($millions) | 9.5868% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6175% | 3,654 |
| Loan loss allowance to noncurrent loans | 49.5673% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 3.4722% | 1,656 |
| Noncurrent loans to loans | 3.2633% | 1,962 |
| Net loans and leases to total assets | 72.6837% | 1,279 |
| Net loans and leases to deposits | 95.8665% | 546 |
| Net loans and leases to core deposits | 100.5538% | 955 |
| Total domestic deposits to total assets | 75.8175% | 6,567 |
| Equity capital to assets | 9.8222% | 4,342 |
| Core capital (leverage) ratio | 9.3936% | 4,202 |
| Tier 1 risk-based capital ratio | 15.5142% | 3,440 |
| Total risk-based capital ratio | 16.7730% | 3,409 |
| Memoranda: | ||
| Average total assets | $155,282,000 | 3,774 |
| Average earning assets | $149,429,000 | 3,629 |
| Average equity | $14,963,000 | 4,000 |
| Average total loans | $115,658,000 | 3,241 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0429% | 2,689 |
| Cost of funding earning assets | 1.5349% | 623 |
| Net interest margin | 3.5079% | 5,113 |
| Noninterest income to average assets | -0.0057% | 7,009 |
| Noninterest expense to average assets | 2.0324% | 6,621 |
| Loan and lease loss provision to assets | 1.3059% | 629 |
| Net operating income to assets | 0.0418% | 5,974 |
| Return on assets (ROA) | 0.1388% | 5,900 |
| Pretax return on assets | 0.1388% | 5,905 |
| Return on Equity (ROE) | 1.5111% | 5,836 |
| Retained earnings to average equity (ytd only) | 1.5111% | 5,137 |
| Net charge-offs to loans | 1.9280% | 736 |
| Credit loss provision to net charge-offs | 86.9565% | 4,151 |
| Earnings coverage of net charge-offs (x) | 0.8974% | 5,137 |
| Efficiency ratio | 60.1275% | 5,737 |
| Assets per employee ($millions) | 9.8235% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 4,274 |
| Loan loss allowance to noncurrent loans | 39.6231% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 3.5610% | 1,661 |
| Noncurrent loans to loans | 3.6425% | 1,740 |
| Net loans and leases to total assets | 73.9884% | 1,277 |
| Net loans and leases to deposits | 97.3261% | 601 |
| Net loans and leases to core deposits | 102.2239% | 1,008 |
| Total domestic deposits to total assets | 76.0211% | 6,481 |
| Equity capital to assets | 9.4544% | 4,954 |
| Core capital (leverage) ratio | 9.1391% | 4,562 |
| Tier 1 risk-based capital ratio | 14.7918% | 3,763 |
| Total risk-based capital ratio | 16.0476% | 3,743 |
| Memoranda: | ||
| Average total assets | $157,741,200 | 3,661 |
| Average earning assets | $152,254,800 | 3,543 |
| Average equity | $14,492,400 | 4,011 |
| Average total loans | $122,874,200 | 3,123 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1264% | 2,485 |
| Cost of funding earning assets | 1.5732% | 658 |
| Net interest margin | 3.5532% | 4,965 |
| Noninterest income to average assets | 0.0346% | 7,002 |
| Noninterest expense to average assets | 2.0386% | 6,613 |
| Loan and lease loss provision to assets | 1.4441% | 490 |
| Net operating income to assets | -0.0186% | 6,178 |
| Return on assets (ROA) | 0.0397% | 6,189 |
| Pretax return on assets | 0.0397% | 6,176 |
| Return on Equity (ROE) | 0.4352% | 6,177 |
| Retained earnings to average equity (ytd only) | 0.4352% | 5,819 |
| Net charge-offs to loans | 1.9705% | 649 |
| Credit loss provision to net charge-offs | 93.2388% | 3,657 |
| Earnings coverage of net charge-offs (x) | 0.9204% | 4,932 |
| Efficiency ratio | 58.8493% | 5,889 |
| Assets per employee ($millions) | 9.9543% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 3,836 |
| Loan loss allowance to noncurrent loans | 35.3360% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 3.9286% | 1,567 |
| Noncurrent loans to loans | 4.4220% | 1,467 |
| Net loans and leases to total assets | 74.6793% | 1,202 |
| Net loans and leases to deposits | 97.9349% | 581 |
| Net loans and leases to core deposits | 104.3672% | 959 |
| Total domestic deposits to total assets | 76.2540% | 6,499 |
| Equity capital to assets | 9.2705% | 5,425 |
| Core capital (leverage) ratio | 8.9831% | 4,964 |
| Tier 1 risk-based capital ratio | 14.2850% | 4,138 |
| Total risk-based capital ratio | 15.5427% | 4,094 |
| Memoranda: | ||
| Average total assets | $157,882,500 | 3,692 |
| Average earning assets | $152,384,250 | 3,562 |
| Average equity | $14,400,500 | 4,055 |
| Average total loans | $124,094,000 | 3,122 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2236% | 2,171 |
| Cost of funding earning assets | 1.5964% | 701 |
| Net interest margin | 3.6271% | 4,620 |
| Noninterest income to average assets | 0.0292% | 7,120 |
| Noninterest expense to average assets | 2.1204% | 6,552 |
| Loan and lease loss provision to assets | 1.3975% | 523 |
| Net operating income to assets | 0.0127% | 6,204 |
| Return on assets (ROA) | 0.0356% | 6,235 |
| Pretax return on assets | 0.0356% | 6,215 |
| Return on Equity (ROE) | 0.3922% | 6,215 |
| Retained earnings to average equity (ytd only) | 0.3922% | 5,687 |
| Net charge-offs to loans | 2.4157% | 508 |
| Credit loss provision to net charge-offs | 72.7513% | 3,993 |
| Earnings coverage of net charge-offs (x) | 0.7341% | 4,745 |
| Efficiency ratio | 60.0576% | 5,861 |
| Assets per employee ($millions) | 9.8163% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 5,015 |
| Loan loss allowance to noncurrent loans | 24.3161% | 6,559 |
| Noncurrent assets plus other real estate owned to assets | 4.8930% | 1,257 |
| Noncurrent loans to loans | 5.3873% | 1,180 |
| Net loans and leases to total assets | 76.7477% | 955 |
| Net loans and leases to deposits | 101.4655% | 428 |
| Net loans and leases to core deposits | 106.8447% | 877 |
| Total domestic deposits to total assets | 75.6392% | 6,653 |
| Equity capital to assets | 9.1895% | 5,298 |
| Core capital (leverage) ratio | 9.0350% | 4,663 |
| Tier 1 risk-based capital ratio | 14.1709% | 4,042 |
| Total risk-based capital ratio | 15.4262% | 4,008 |
| Memoranda: | ||
| Average total assets | $157,420,330 | 3,724 |
| Average earning assets | $151,965,330 | 3,596 |
| Average equity | $14,279,000 | 4,068 |
| Average total loans | $125,182,330 | 3,120 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2284% | 2,121 |
| Cost of funding earning assets | 1.6088% | 794 |
| Net interest margin | 3.6197% | 4,484 |
| Noninterest income to average assets | 0.0152% | 7,260 |
| Noninterest expense to average assets | 2.1903% | 6,443 |
| Loan and lease loss provision to assets | 1.1421% | 628 |
| Net operating income to assets | 0.1777% | 5,861 |
| Return on assets (ROA) | 0.2183% | 5,786 |
| Pretax return on assets | 0.2183% | 5,896 |
| Return on Equity (ROE) | 2.4222% | 5,627 |
| Retained earnings to average equity (ytd only) | 2.4222% | 4,697 |
| Net charge-offs to loans | 1.6858% | 785 |
| Credit loss provision to net charge-offs | 84.2697% | 3,055 |
| Earnings coverage of net charge-offs (x) | 0.9738% | 3,925 |
| Efficiency ratio | 62.4006% | 5,612 |
| Assets per employee ($millions) | 9.8333% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 4,073 |
| Loan loss allowance to noncurrent loans | 20.8816% | 6,742 |
| Noncurrent assets plus other real estate owned to assets | 6.4043% | 879 |
| Noncurrent loans to loans | 7.3111% | 724 |
| Net loans and leases to total assets | 79.0430% | 614 |
| Net loans and leases to deposits | 106.8119% | 234 |
| Net loans and leases to core deposits | 111.5787% | 671 |
| Total domestic deposits to total assets | 74.0021% | 6,900 |
| Equity capital to assets | 9.0636% | 5,106 |
| Core capital (leverage) ratio | 9.0472% | 4,540 |
| Tier 1 risk-based capital ratio | 13.6587% | 4,320 |
| Total risk-based capital ratio | 14.9163% | 4,284 |
| Memoranda: | ||
| Average total assets | $157,600,500 | 3,743 |
| Average earning assets | $152,167,500 | 3,609 |
| Average equity | $14,202,000 | 4,070 |
| Average total loans | $126,703,500 | 3,124 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5484% | 2,089 |
| Cost of funding earning assets | 2.0579% | 494 |
| Net interest margin | 3.4905% | 5,279 |
| Noninterest income to average assets | 0.0527% | 7,090 |
| Noninterest expense to average assets | 2.0266% | 6,974 |
| Loan and lease loss provision to assets | 1.1730% | 1,344 |
| Net operating income to assets | 0.2246% | 5,203 |
| Return on assets (ROA) | 0.2246% | 5,354 |
| Pretax return on assets | 0.2246% | 5,431 |
| Return on Equity (ROE) | 2.5522% | 5,154 |
| Retained earnings to average equity (ytd only) | 2.5522% | 4,084 |
| Net charge-offs to loans | 1.8326% | 1,143 |
| Credit loss provision to net charge-offs | 77.2408% | 5,657 |
| Earnings coverage of net charge-offs (x) | 0.9203% | 5,189 |
| Efficiency ratio | 59.1867% | 6,163 |
| Assets per employee ($millions) | 9.8668% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5828% | 3,651 |
| Loan loss allowance to noncurrent loans | 21.9459% | 6,734 |
| Noncurrent assets plus other real estate owned to assets | 6.1640% | 947 |
| Noncurrent loans to loans | 7.2121% | 766 |
| Net loans and leases to total assets | 79.2474% | 765 |
| Net loans and leases to deposits | 105.7290% | 332 |
| Net loans and leases to core deposits | 109.5834% | 945 |
| Total domestic deposits to total assets | 74.9533% | 6,776 |
| Equity capital to assets | 8.9593% | 5,200 |
| Core capital (leverage) ratio | 8.9696% | 4,593 |
| Tier 1 risk-based capital ratio | 13.5744% | 4,149 |
| Total risk-based capital ratio | 14.8338% | 4,111 |
| Memoranda: | ||
| Average total assets | $159,425,800 | 3,708 |
| Average earning assets | $153,989,800 | 3,574 |
| Average equity | $14,027,200 | 4,140 |
| Average total loans | $132,110,400 | 3,084 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6204% | 1,991 |
| Cost of funding earning assets | 2.1642% | 425 |
| Net interest margin | 3.4562% | 5,467 |
| Noninterest income to average assets | 0.0517% | 7,259 |
| Noninterest expense to average assets | 2.0356% | 6,988 |
| Loan and lease loss provision to assets | 1.1847% | 1,211 |
| Net operating income to assets | 0.1702% | 5,588 |
| Return on assets (ROA) | 0.1702% | 5,749 |
| Pretax return on assets | 0.1702% | 5,797 |
| Return on Equity (ROE) | 1.9431% | 5,629 |
| Retained earnings to average equity (ytd only) | 1.9431% | 4,983 |
| Net charge-offs to loans | 1.7146% | 1,139 |
| Credit loss provision to net charge-offs | 82.7988% | 5,048 |
| Earnings coverage of net charge-offs (x) | 0.9469% | 5,112 |
| Efficiency ratio | 60.0394% | 5,948 |
| Assets per employee ($millions) | 9.9159% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7731% | 2,882 |
| Loan loss allowance to noncurrent loans | 27.0751% | 6,511 |
| Noncurrent assets plus other real estate owned to assets | 5.5404% | 1,108 |
| Noncurrent loans to loans | 6.5489% | 909 |
| Net loans and leases to total assets | 79.1578% | 862 |
| Net loans and leases to deposits | 103.8021% | 438 |
| Net loans and leases to core deposits | 108.4807% | 1,125 |
| Total domestic deposits to total assets | 76.2584% | 6,606 |
| Equity capital to assets | 8.8665% | 5,749 |
| Core capital (leverage) ratio | 8.6663% | 5,250 |
| Tier 1 risk-based capital ratio | 13.4160% | 4,256 |
| Total risk-based capital ratio | 14.6782% | 4,205 |
| Memoranda: | ||
| Average total assets | $159,815,000 | 3,756 |
| Average earning assets | $154,386,500 | 3,616 |
| Average equity | $13,998,000 | 4,200 |
| Average total loans | $133,358,250 | 3,113 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7412% | 1,589 |
| Cost of funding earning assets | 2.2335% | 417 |
| Net interest margin | 3.5077% | 5,215 |
| Noninterest income to average assets | 0.0362% | 7,406 |
| Noninterest expense to average assets | 2.0774% | 6,964 |
| Loan and lease loss provision to assets | 0.9738% | 1,491 |
| Net operating income to assets | 0.3770% | 4,865 |
| Return on assets (ROA) | 0.3770% | 5,028 |
| Pretax return on assets | 0.3770% | 5,284 |
| Return on Equity (ROE) | 4.3220% | 4,635 |
| Retained earnings to average equity (ytd only) | 4.3220% | 3,328 |
| Net charge-offs to loans | 0.4897% | 3,071 |
| Credit loss provision to net charge-offs | 235.6495% | 1,638 |
| Earnings coverage of net charge-offs (x) | 3.2689% | 3,392 |
| Efficiency ratio | 60.5972% | 5,931 |
| Assets per employee ($millions) | 10.0764% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3088% | 1,570 |
| Loan loss allowance to noncurrent loans | 52.0894% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 4.0528% | 1,695 |
| Noncurrent loans to loans | 4.4324% | 1,648 |
| Net loans and leases to total assets | 79.4955% | 878 |
| Net loans and leases to deposits | 106.2068% | 384 |
| Net loans and leases to core deposits | 118.2290% | 758 |
| Total domestic deposits to total assets | 74.8497% | 6,872 |
| Equity capital to assets | 8.7748% | 5,783 |
| Core capital (leverage) ratio | 8.7622% | 4,983 |
| Tier 1 risk-based capital ratio | 13.6336% | 3,983 |
| Total risk-based capital ratio | 14.9044% | 3,934 |
| Memoranda: | ||
| Average total assets | $160,202,000 | 3,789 |
| Average earning assets | $154,915,000 | 3,620 |
| Average equity | $13,975,000 | 4,206 |
| Average total loans | $135,193,000 | 3,101 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8042% | 1,439 |
| Cost of funding earning assets | 2.3398% | 378 |
| Net interest margin | 3.4644% | 5,313 |
| Noninterest income to average assets | 0.0576% | 7,424 |
| Noninterest expense to average assets | 2.1441% | 6,822 |
| Loan and lease loss provision to assets | 0.9518% | 1,321 |
| Net operating income to assets | 0.3106% | 5,250 |
| Return on assets (ROA) | 0.3106% | 5,381 |
| Pretax return on assets | 0.3106% | 5,573 |
| Return on Equity (ROE) | 3.5712% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.5712% | 4,010 |
| Net charge-offs to loans | 0.3936% | 2,862 |
| Credit loss provision to net charge-offs | 281.4815% | 1,405 |
| Earnings coverage of net charge-offs (x) | 3.7333% | 2,807 |
| Efficiency ratio | 62.9412% | 5,672 |
| Assets per employee ($millions) | 10.8536% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0772% | 2,001 |
| Loan loss allowance to noncurrent loans | 44.4113% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 4.2732% | 1,594 |
| Noncurrent loans to loans | 4.6772% | 1,585 |
| Net loans and leases to total assets | 81.8002% | 616 |
| Net loans and leases to deposits | 108.0563% | 342 |
| Net loans and leases to core deposits | 119.7091% | 796 |
| Total domestic deposits to total assets | 75.7015% | 6,802 |
| Equity capital to assets | 8.5692% | 5,912 |
| Core capital (leverage) ratio | 8.6418% | 5,131 |
| Tier 1 risk-based capital ratio | 12.9299% | 4,388 |
| Total risk-based capital ratio | 14.1969% | 4,351 |
| Memoranda: | ||
| Average total assets | $159,691,500 | 3,852 |
| Average earning assets | $154,370,000 | 3,681 |
| Average equity | $13,889,000 | 4,266 |
| Average total loans | $137,192,500 | 3,125 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0606% | 1,638 |
| Cost of funding earning assets | 2.9907% | 240 |
| Net interest margin | 3.0699% | 6,471 |
| Noninterest income to average assets | -0.2471% | 7,879 |
| Noninterest expense to average assets | 2.1331% | 7,115 |
| Loan and lease loss provision to assets | 1.9803% | 1,097 |
| Net operating income to assets | -1.4119% | 6,819 |
| Return on assets (ROA) | -1.4119% | 6,821 |
| Pretax return on assets | -1.4119% | 6,650 |
| Return on Equity (ROE) | -14.9074% | 6,929 |
| Retained earnings to average equity (ytd only) | -15.4430% | 6,908 |
| Net charge-offs to loans | 1.7994% | 1,392 |
| Credit loss provision to net charge-offs | 125.6707% | 4,160 |
| Earnings coverage of net charge-offs (x) | 0.3607% | 5,755 |
| Efficiency ratio | 78.9600% | 3,047 |
| Assets per employee ($millions) | 9.7862% | 277 |
| Cash dividends to net income (ytd only)* | -3.5928% | 7,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8644% | 2,360 |
| Loan loss allowance to noncurrent loans | 56.7158% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 3.2923% | 2,084 |
| Noncurrent loans to loans | 3.2872% | 2,324 |
| Net loans and leases to total assets | 86.7332% | 231 |
| Net loans and leases to deposits | 118.8424% | 188 |
| Net loans and leases to core deposits | 185.2944% | 138 |
| Total domestic deposits to total assets | 72.9817% | 7,152 |
| Equity capital to assets | 8.8307% | 5,381 |
| Core capital (leverage) ratio | 8.6065% | 5,091 |
| Tier 1 risk-based capital ratio | 12.5448% | 4,485 |
| Total risk-based capital ratio | 13.8086% | 4,415 |
| Memoranda: | ||
| Average total assets | $153,765,800 | 3,902 |
| Average earning assets | $147,690,800 | 3,751 |
| Average equity | $14,563,200 | 4,132 |
| Average total loans | $134,653,000 | 3,179 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0497% | 1,843 |
| Cost of funding earning assets | 3.0921% | 250 |
| Net interest margin | 2.9576% | 6,714 |
| Noninterest income to average assets | -0.3911% | 8,030 |
| Noninterest expense to average assets | 2.1307% | 7,130 |
| Loan and lease loss provision to assets | 2.2474% | 764 |
| Net operating income to assets | -1.9329% | 7,288 |
| Return on assets (ROA) | -1.9329% | 7,290 |
| Pretax return on assets | -1.9329% | 7,144 |
| Return on Equity (ROE) | -20.0620% | 7,371 |
| Retained earnings to average equity (ytd only) | -20.7672% | 7,369 |
| Net charge-offs to loans | 2.3481% | 791 |
| Credit loss provision to net charge-offs | 109.5541% | 4,643 |
| Earnings coverage of net charge-offs (x) | 0.1533% | 5,878 |
| Efficiency ratio | 87.1393% | 1,951 |
| Assets per employee ($millions) | 10.5153% | 236 |
| Cash dividends to net income (ytd only)* | -3.5152% | 7,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6455% | 2,821 |
| Loan loss allowance to noncurrent loans | 47.2818% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 3.4673% | 1,926 |
| Noncurrent loans to loans | 3.4802% | 2,148 |
| Net loans and leases to total assets | 82.7249% | 707 |
| Net loans and leases to deposits | 113.2302% | 356 |
| Net loans and leases to core deposits | 188.3809% | 141 |
| Total domestic deposits to total assets | 73.0590% | 7,080 |
| Equity capital to assets | 8.7358% | 5,902 |
| Core capital (leverage) ratio | 8.9045% | 4,804 |
| Tier 1 risk-based capital ratio | 12.6883% | 4,399 |
| Total risk-based capital ratio | 13.9480% | 4,347 |
| Memoranda: | ||
| Average total assets | $153,062,500 | 3,930 |
| Average earning assets | $146,780,250 | 3,781 |
| Average equity | $14,747,250 | 4,142 |
| Average total loans | $133,719,750 | 3,231 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1470% | 1,628 |
| Cost of funding earning assets | 3.2265% | 249 |
| Net interest margin | 2.9205% | 6,753 |
| Noninterest income to average assets | -0.5901% | 8,127 |
| Noninterest expense to average assets | 2.1412% | 7,190 |
| Loan and lease loss provision to assets | 2.6798% | 575 |
| Net operating income to assets | -2.6137% | 7,594 |
| Return on assets (ROA) | -2.6137% | 7,584 |
| Pretax return on assets | -2.6137% | 7,452 |
| Return on Equity (ROE) | -26.2774% | 7,650 |
| Retained earnings to average equity (ytd only) | -27.3125% | 7,641 |
| Net charge-offs to loans | 2.9880% | 547 |
| Credit loss provision to net charge-offs | 101.3480% | 4,508 |
| Earnings coverage of net charge-offs (x) | 0.0250% | 5,651 |
| Efficiency ratio | 97.0096% | 1,310 |
| Assets per employee ($millions) | 10.1291% | 253 |
| Cash dividends to net income (ytd only)* | -3.9394% | 7,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 3,077 |
| Loan loss allowance to noncurrent loans | 24.0548% | 6,893 |
| Noncurrent assets plus other real estate owned to assets | 6.4066% | 722 |
| Noncurrent loans to loans | 6.3280% | 849 |
| Net loans and leases to total assets | 84.5212% | 555 |
| Net loans and leases to deposits | 115.4951% | 347 |
| Net loans and leases to core deposits | 201.3910% | 118 |
| Total domestic deposits to total assets | 73.1816% | 7,079 |
| Equity capital to assets | 9.2262% | 4,969 |
| Core capital (leverage) ratio | 9.1629% | 4,360 |
| Tier 1 risk-based capital ratio | 13.5513% | 3,789 |
| Total risk-based capital ratio | 14.8099% | 3,714 |
| Memoranda: | ||
| Average total assets | $151,506,670 | 3,972 |
| Average earning assets | $145,111,000 | 3,839 |
| Average equity | $15,070,000 | 4,102 |
| Average total loans | $134,071,330 | 3,268 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3262% | 1,225 |
| Cost of funding earning assets | 3.3625% | 226 |
| Net interest margin | 2.9637% | 6,577 |
| Noninterest income to average assets | 0.4019% | 5,195 |
| Noninterest expense to average assets | 1.9882% | 7,380 |
| Loan and lease loss provision to assets | 2.4588% | 471 |
| Net operating income to assets | -1.2162% | 7,368 |
| Return on assets (ROA) | -1.2162% | 7,386 |
| Pretax return on assets | -1.2162% | 7,262 |
| Return on Equity (ROE) | -11.7979% | 7,460 |
| Retained earnings to average equity (ytd only) | -11.7979% | 7,251 |
| Net charge-offs to loans | 1.6688% | 864 |
| Credit loss provision to net charge-offs | 164.0212% | 2,601 |
| Earnings coverage of net charge-offs (x) | 0.8289% | 4,363 |
| Efficiency ratio | 61.5385% | 6,142 |
| Assets per employee ($millions) | 10.2377% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7476% | 1,985 |
| Loan loss allowance to noncurrent loans | 21.8262% | 7,071 |
| Noncurrent assets plus other real estate owned to assets | 8.6302% | 310 |
| Noncurrent loans to loans | 8.0069% | 451 |
| Net loans and leases to total assets | 84.9738% | 551 |
| Net loans and leases to deposits | 115.9870% | 385 |
| Net loans and leases to core deposits | 227.3305% | 91 |
| Total domestic deposits to total assets | 73.2615% | 7,016 |
| Equity capital to assets | 10.1690% | 3,799 |
| Core capital (leverage) ratio | 10.1623% | 3,232 |
| Tier 1 risk-based capital ratio | 14.3504% | 3,399 |
| Total risk-based capital ratio | 15.6112% | 3,311 |
| Memoranda: | ||
| Average total assets | $151,291,500 | 3,989 |
| Average earning assets | $144,415,500 | 3,866 |
| Average equity | $15,596,000 | 4,022 |
| Average total loans | $135,905,000 | 3,250 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6023% | 339 |
| Cost of funding earning assets | 3.8207% | 189 |
| Net interest margin | 3.7817% | 4,097 |
| Noninterest income to average assets | 0.1352% | 7,425 |
| Noninterest expense to average assets | 2.4202% | 6,328 |
| Loan and lease loss provision to assets | 0.5611% | 2,573 |
| Net operating income to assets | 0.8241% | 3,338 |
| Return on assets (ROA) | 0.8241% | 3,176 |
| Pretax return on assets | 0.8241% | 3,983 |
| Return on Equity (ROE) | 7.8855% | 3,117 |
| Retained earnings to average equity (ytd only) | 2.0571% | 3,956 |
| Net charge-offs to loans | 0.0896% | 5,460 |
| Credit loss provision to net charge-offs | 648.4375% | 656 |
| Earnings coverage of net charge-offs (x) | 16.0078% | 1,884 |
| Efficiency ratio | 63.5992% | 5,644 |
| Assets per employee ($millions) | 9.9345% | 268 |
| Cash dividends to net income (ytd only)* | 73.9130% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 3,148 |
| Loan loss allowance to noncurrent loans | 25.4286% | 6,982 |
| Noncurrent assets plus other real estate owned to assets | 5.1672% | 658 |
| Noncurrent loans to loans | 5.5396% | 726 |
| Net loans and leases to total assets | 91.9627% | 85 |
| Net loans and leases to deposits | 126.9262% | 259 |
| Net loans and leases to core deposits | 224.4219% | 103 |
| Total domestic deposits to total assets | 72.4537% | 6,921 |
| Equity capital to assets | 10.4524% | 3,554 |
| Core capital (leverage) ratio | 10.5912% | 2,912 |
| Tier 1 risk-based capital ratio | 14.0304% | 3,535 |
| Total risk-based capital ratio | 15.2888% | 3,450 |
| Memoranda: | ||
| Average total assets | $147,921,800 | 3,939 |
| Average earning assets | $143,561,400 | 3,769 |
| Average equity | $15,458,800 | 4,034 |
| Average total loans | $142,803,400 | 3,043 |