Home > Piedmont Federal Savings Bank > Performance and Condition Ratios
Piedmont Federal 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 | 4.4378% | 3,956 |
| Cost of funding earning assets | 2.4182% | 999 |
| Net interest margin | 2.0196% | 4,292 |
| Noninterest income to average assets | 0.2600% | 3,131 |
| Noninterest expense to average assets | 1.9507% | 3,645 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 0.1416% | 4,038 |
| Return on assets (ROA) | 0.1219% | 4,090 |
| Pretax return on assets | 0.1094% | 4,105 |
| Return on Equity (ROE) | 0.6700% | 4,122 |
| Retained earnings to average equity (ytd only) | 0.6742% | 3,560 |
| Net charge-offs to loans | 0.0082% | 1,944 |
| Credit loss provision to net charge-offs | 352.9412% | 644 |
| Earnings coverage of net charge-offs (x) | 27.8235% | 1,283 |
| Efficiency ratio | 91.6567% | 455 |
| Assets per employee ($millions) | 10.5539% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7752% | 3,919 |
| Loan loss allowance to noncurrent loans | 2,859.8214% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 3,616 |
| Noncurrent loans to loans | 0.0271% | 3,573 |
| Net loans and leases to total assets | 64.2100% | 2,479 |
| Net loans and leases to deposits | 87.0453% | 1,389 |
| Net loans and leases to core deposits | 108.3520% | 922 |
| Total domestic deposits to total assets | 73.7700% | 4,082 |
| Equity capital to assets | 18.2145% | 338 |
| Core capital (leverage) ratio | 19.2296% | 278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,279,364,500 | 844 |
| Average earning assets | $1,167,331,000 | 839 |
| Average equity | $231,384,500 | 532 |
| Average total loans | $827,462,500 | 886 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7190% | 3,561 |
| Cost of funding earning assets | 2.8104% | 689 |
| Net interest margin | 1.9087% | 4,292 |
| Noninterest income to average assets | 0.2400% | 3,442 |
| Noninterest expense to average assets | 2.1083% | 3,358 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | -0.1636% | 4,267 |
| Return on assets (ROA) | -0.1626% | 4,287 |
| Pretax return on assets | -0.2259% | 4,289 |
| Return on Equity (ROE) | -0.9300% | 4,241 |
| Retained earnings to average equity (ytd only) | -0.9279% | 4,084 |
| Net charge-offs to loans | 0.0226% | 2,139 |
| Credit loss provision to net charge-offs | 673.2955% | 512 |
| Earnings coverage of net charge-offs (x) | -8.0455% | 4,455 |
| Efficiency ratio | 104.1951% | 226 |
| Assets per employee ($millions) | 10.3364% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7680% | 3,950 |
| Loan loss allowance to noncurrent loans | 650.6135% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 3,136 |
| Noncurrent loans to loans | 0.1180% | 3,048 |
| Net loans and leases to total assets | 64.1500% | 2,563 |
| Net loans and leases to deposits | 87.7957% | 1,416 |
| Net loans and leases to core deposits | 109.9690% | 938 |
| Total domestic deposits to total assets | 73.0600% | 4,109 |
| Equity capital to assets | 17.9578% | 340 |
| Core capital (leverage) ratio | 19.0642% | 288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,274,661,800 | 835 |
| Average earning assets | $1,176,044,400 | 829 |
| Average equity | $223,400,000 | 534 |
| Average total loans | $779,665,400 | 922 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7704% | 3,430 |
| Cost of funding earning assets | 2.8782% | 616 |
| Net interest margin | 1.8922% | 4,317 |
| Noninterest income to average assets | 0.2200% | 3,570 |
| Noninterest expense to average assets | 2.1540% | 3,204 |
| Loan and lease loss provision to assets | 0.1300% | 993 |
| Net operating income to assets | -0.2469% | 4,338 |
| Return on assets (ROA) | -0.2457% | 4,359 |
| Pretax return on assets | -0.3172% | 4,364 |
| Return on Equity (ROE) | -1.4100% | 4,301 |
| Retained earnings to average equity (ytd only) | -1.4108% | 4,165 |
| Net charge-offs to loans | 0.0306% | 1,712 |
| Credit loss provision to net charge-offs | 559.6591% | 589 |
| Earnings coverage of net charge-offs (x) | -10.0170% | 4,498 |
| Efficiency ratio | 108.0049% | 188 |
| Assets per employee ($millions) | 10.4746% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7660% | 3,976 |
| Loan loss allowance to noncurrent loans | 3,950.6410% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 3,699 |
| Noncurrent loans to loans | 0.0194% | 3,670 |
| Net loans and leases to total assets | 61.9700% | 2,739 |
| Net loans and leases to deposits | 85.1434% | 1,718 |
| Net loans and leases to core deposits | 106.5789% | 1,105 |
| Total domestic deposits to total assets | 72.7800% | 4,135 |
| Equity capital to assets | 18.1797% | 336 |
| Core capital (leverage) ratio | 18.5629% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,272,899,750 | 829 |
| Average earning assets | $1,178,151,000 | 822 |
| Average equity | $221,708,250 | 527 |
| Average total loans | $767,445,000 | 928 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7162% | 3,442 |
| Cost of funding earning assets | 2.8502% | 591 |
| Net interest margin | 1.8660% | 4,342 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 2.2517% | 2,940 |
| Loan and lease loss provision to assets | 0.1900% | 581 |
| Net operating income to assets | -0.4101% | 4,390 |
| Return on assets (ROA) | -0.4095% | 4,419 |
| Pretax return on assets | -0.5132% | 4,421 |
| Return on Equity (ROE) | -2.3900% | 4,356 |
| Retained earnings to average equity (ytd only) | -2.3867% | 4,169 |
| Net charge-offs to loans | 0.0445% | 1,344 |
| Credit loss provision to net charge-offs | 541.6667% | 599 |
| Earnings coverage of net charge-offs (x) | -12.2202% | 4,527 |
| Efficiency ratio | 115.3355% | 151 |
| Assets per employee ($millions) | 10.8245% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7745% | 3,990 |
| Loan loss allowance to noncurrent loans | 1,661.0354% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 3,532 |
| Noncurrent loans to loans | 0.0466% | 3,433 |
| Net loans and leases to total assets | 59.1400% | 3,034 |
| Net loans and leases to deposits | 82.9103% | 1,932 |
| Net loans and leases to core deposits | 103.7924% | 1,270 |
| Total domestic deposits to total assets | 71.3300% | 4,196 |
| Equity capital to assets | 17.3002% | 373 |
| Core capital (leverage) ratio | 18.6328% | 315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,267,742,333 | 833 |
| Average earning assets | $1,177,727,667 | 824 |
| Average equity | $217,537,000 | 536 |
| Average total loans | $755,075,667 | 940 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7106% | 3,307 |
| Cost of funding earning assets | 2.8491% | 550 |
| Net interest margin | 1.8615% | 4,365 |
| Noninterest income to average assets | 0.1800% | 3,777 |
| Noninterest expense to average assets | 2.6382% | 1,853 |
| Loan and lease loss provision to assets | 0.3700% | 239 |
| Net operating income to assets | -0.9019% | 4,510 |
| Return on assets (ROA) | -0.9019% | 4,499 |
| Pretax return on assets | -1.1011% | 4,507 |
| Return on Equity (ROE) | -5.2800% | 4,423 |
| Retained earnings to average equity (ytd only) | -5.2793% | 4,148 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 138.2005% | 76 |
| Assets per employee ($millions) | 11.0123% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 3,940 |
| Loan loss allowance to noncurrent loans | 1,220.8251% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 3,075 |
| Noncurrent loans to loans | 0.0656% | 3,300 |
| Net loans and leases to total assets | 58.7100% | 2,990 |
| Net loans and leases to deposits | 83.0237% | 1,799 |
| Net loans and leases to core deposits | 103.5100% | 1,228 |
| Total domestic deposits to total assets | 70.7200% | 4,264 |
| Equity capital to assets | 17.4778% | 370 |
| Core capital (leverage) ratio | 18.7739% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,241,318,500 | 850 |
| Average earning assets | $1,154,336,000 | 845 |
| Average equity | $212,073,000 | 543 |
| Average total loans | $739,069,500 | 957 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9425% | 4,041 |
| Cost of funding earning assets | 2.0286% | 886 |
| Net interest margin | 1.9139% | 4,436 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.8471% | 3,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1262% | 4,229 |
| Return on assets (ROA) | 0.0312% | 4,328 |
| Pretax return on assets | 0.0234% | 4,322 |
| Return on Equity (ROE) | 0.1800% | 4,327 |
| Retained earnings to average equity (ytd only) | 0.1778% | 4,005 |
| Net charge-offs to loans | 0.0003% | 2,902 |
| Credit loss provision to net charge-offs | 2,000.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 709.5000% | 203 |
| Efficiency ratio | 93.8100% | 302 |
| Assets per employee ($millions) | 10.0186% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7621% | 4,040 |
| Loan loss allowance to noncurrent loans | 2,941.7582% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 3,116 |
| Noncurrent loans to loans | 0.0259% | 3,558 |
| Net loans and leases to total assets | 59.4800% | 2,889 |
| Net loans and leases to deposits | 84.6120% | 1,726 |
| Net loans and leases to core deposits | 105.4899% | 1,139 |
| Total domestic deposits to total assets | 70.2900% | 4,280 |
| Equity capital to assets | 16.6448% | 410 |
| Core capital (leverage) ratio | 18.7254% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,164,279,400 | 872 |
| Average earning assets | $1,083,239,800 | 857 |
| Average equity | $204,190,200 | 527 |
| Average total loans | $699,878,200 | 959 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8700% | 4,042 |
| Cost of funding earning assets | 1.8868% | 875 |
| Net interest margin | 1.9833% | 4,446 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 1.8592% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1483% | 4,281 |
| Return on assets (ROA) | 0.1483% | 4,295 |
| Pretax return on assets | 0.1554% | 4,295 |
| Return on Equity (ROE) | 0.8400% | 4,330 |
| Retained earnings to average equity (ytd only) | 0.8350% | 3,979 |
| Net charge-offs to loans | 0.0004% | 2,652 |
| Credit loss provision to net charge-offs | 2,000.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 697.5000% | 229 |
| Efficiency ratio | 92.0752% | 317 |
| Assets per employee ($millions) | 10.0477% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7668% | 4,041 |
| Loan loss allowance to noncurrent loans | 2,894.0541% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 3,085 |
| Noncurrent loans to loans | 0.0265% | 3,582 |
| Net loans and leases to total assets | 59.4500% | 2,898 |
| Net loans and leases to deposits | 85.1886% | 1,639 |
| Net loans and leases to core deposits | 105.2969% | 1,051 |
| Total domestic deposits to total assets | 69.7800% | 4,332 |
| Equity capital to assets | 17.3406% | 375 |
| Core capital (leverage) ratio | 20.2414% | 268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,162,306,500 | 876 |
| Average earning assets | $1,080,487,000 | 862 |
| Average equity | $206,461,500 | 520 |
| Average total loans | $699,222,000 | 955 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7080% | 4,136 |
| Cost of funding earning assets | 1.6994% | 884 |
| Net interest margin | 2.0086% | 4,494 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.9130% | 3,787 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.1297% | 4,345 |
| Return on assets (ROA) | 0.1297% | 4,374 |
| Pretax return on assets | 0.1342% | 4,373 |
| Return on Equity (ROE) | 0.7200% | 4,389 |
| Retained earnings to average equity (ytd only) | 0.7243% | 3,953 |
| Net charge-offs to loans | 0.0006% | 2,427 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 409.5000% | 351 |
| Efficiency ratio | 93.1327% | 283 |
| Assets per employee ($millions) | 10.0859% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7662% | 4,078 |
| Loan loss allowance to noncurrent loans | 1,865.5052% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 2,943 |
| Noncurrent loans to loans | 0.0411% | 3,431 |
| Net loans and leases to total assets | 59.2700% | 2,839 |
| Net loans and leases to deposits | 85.2934% | 1,562 |
| Net loans and leases to core deposits | 104.3880% | 1,037 |
| Total domestic deposits to total assets | 69.4900% | 4,373 |
| Equity capital to assets | 17.7312% | 353 |
| Core capital (leverage) ratio | 20.2506% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,161,230,333 | 869 |
| Average earning assets | $1,080,369,000 | 856 |
| Average equity | $207,911,667 | 509 |
| Average total loans | $699,549,667 | 941 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6350% | 4,118 |
| Cost of funding earning assets | 1.4923% | 862 |
| Net interest margin | 2.1427% | 4,514 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 1.9729% | 3,682 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.1736% | 4,384 |
| Return on assets (ROA) | 0.1736% | 4,358 |
| Pretax return on assets | 0.1916% | 4,345 |
| Return on Equity (ROE) | 0.9600% | 4,384 |
| Retained earnings to average equity (ytd only) | 0.9647% | 3,870 |
| Net charge-offs to loans | 0.0011% | 2,013 |
| Credit loss provision to net charge-offs | 2,000.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 297.0000% | 369 |
| Efficiency ratio | 90.5714% | 340 |
| Assets per employee ($millions) | 9.6072% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7625% | 4,158 |
| Loan loss allowance to noncurrent loans | 1,245.1163% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 2,851 |
| Noncurrent loans to loans | 0.0612% | 3,299 |
| Net loans and leases to total assets | 59.9400% | 2,655 |
| Net loans and leases to deposits | 86.5352% | 1,314 |
| Net loans and leases to core deposits | 105.1529% | 871 |
| Total domestic deposits to total assets | 69.2700% | 4,438 |
| Equity capital to assets | 17.9778% | 301 |
| Core capital (leverage) ratio | 20.3529% | 248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,156,866,000 | 890 |
| Average earning assets | $1,076,749,500 | 874 |
| Average equity | $208,143,500 | 519 |
| Average total loans | $699,943,500 | 956 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0633% | 4,056 |
| Cost of funding earning assets | 0.7119% | 556 |
| Net interest margin | 2.3514% | 4,393 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.0841% | 3,342 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.1963% | 4,452 |
| Return on assets (ROA) | 0.1963% | 4,433 |
| Pretax return on assets | 0.2229% | 4,425 |
| Return on Equity (ROE) | 0.9900% | 4,490 |
| Retained earnings to average equity (ytd only) | 0.9873% | 4,204 |
| Net charge-offs to loans | 0.0005% | 2,596 |
| Credit loss provision to net charge-offs | 12,266.6667% | 59 |
| Earnings coverage of net charge-offs (x) | 925.3333% | 190 |
| Efficiency ratio | 89.0251% | 330 |
| Assets per employee ($millions) | 9.5145% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3175% | 4,540 |
| Loan loss allowance to noncurrent loans | 328.6350% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 2,690 |
| Noncurrent loans to loans | 0.0966% | 3,071 |
| Net loans and leases to total assets | 60.4200% | 2,602 |
| Net loans and leases to deposits | 87.6280% | 1,198 |
| Net loans and leases to core deposits | 102.2725% | 886 |
| Total domestic deposits to total assets | 68.9400% | 4,492 |
| Equity capital to assets | 18.0063% | 289 |
| Core capital (leverage) ratio | 20.7143% | 232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,080,464,000 | 918 |
| Average earning assets | $1,009,243,200 | 901 |
| Average equity | $214,838,600 | 496 |
| Average total loans | $664,862,600 | 949 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9229% | 4,030 |
| Cost of funding earning assets | 0.5569% | 559 |
| Net interest margin | 2.3660% | 4,360 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 2.0794% | 3,271 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.2035% | 4,472 |
| Return on assets (ROA) | 0.2035% | 4,441 |
| Pretax return on assets | 0.2285% | 4,438 |
| Return on Equity (ROE) | 1.0000% | 4,495 |
| Retained earnings to average equity (ytd only) | 0.9979% | 4,215 |
| Net charge-offs to loans | 0.0004% | 2,329 |
| Credit loss provision to net charge-offs | 15,400.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 1,064.5000% | 141 |
| Efficiency ratio | 88.6174% | 366 |
| Assets per employee ($millions) | 9.2151% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3164% | 4,577 |
| Loan loss allowance to noncurrent loans | 186.6667% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 2,476 |
| Noncurrent loans to loans | 0.1695% | 2,742 |
| Net loans and leases to total assets | 59.4400% | 2,564 |
| Net loans and leases to deposits | 85.9177% | 1,177 |
| Net loans and leases to core deposits | 98.9434% | 859 |
| Total domestic deposits to total assets | 69.1800% | 4,544 |
| Equity capital to assets | 17.7580% | 287 |
| Core capital (leverage) ratio | 20.8308% | 218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,062,766,000 | 936 |
| Average earning assets | $993,781,250 | 919 |
| Average equity | $216,723,500 | 493 |
| Average total loans | $656,641,500 | 957 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8019% | 3,974 |
| Cost of funding earning assets | 0.4424% | 718 |
| Net interest margin | 2.3595% | 4,274 |
| Noninterest income to average assets | 0.1303% | 4,352 |
| Noninterest expense to average assets | 2.1092% | 3,122 |
| Loan and lease loss provision to assets | 0.0421% | 1,815 |
| Net operating income to assets | 0.1704% | 4,458 |
| Return on assets (ROA) | 0.1704% | 4,421 |
| Pretax return on assets | 0.1882% | 4,422 |
| Return on Equity (ROE) | 0.7979% | 4,484 |
| Retained earnings to average equity (ytd only) | 0.7979% | 4,034 |
| Net charge-offs to loans | 0.0006% | 2,135 |
| Credit loss provision to net charge-offs | 10,900.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 596.5000% | 222 |
| Efficiency ratio | 90.1568% | 397 |
| Assets per employee ($millions) | 9.0366% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3065% | 4,656 |
| Loan loss allowance to noncurrent loans | 208.0564% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 2,629 |
| Noncurrent loans to loans | 0.1473% | 2,962 |
| Net loans and leases to total assets | 59.4942% | 2,382 |
| Net loans and leases to deposits | 87.2011% | 893 |
| Net loans and leases to core deposits | 98.8529% | 724 |
| Total domestic deposits to total assets | 68.2265% | 4,639 |
| Equity capital to assets | 18.6326% | 206 |
| Core capital (leverage) ratio | 22.5136% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,036,129,667 | 946 |
| Average earning assets | $970,133,000 | 935 |
| Average equity | $221,326,000 | 488 |
| Average total loans | $648,416,000 | 960 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8017% | 3,739 |
| Cost of funding earning assets | 0.4262% | 749 |
| Net interest margin | 2.3755% | 4,115 |
| Noninterest income to average assets | 0.1415% | 4,302 |
| Noninterest expense to average assets | 2.1831% | 2,889 |
| Loan and lease loss provision to assets | 0.0396% | 1,644 |
| Net operating income to assets | 0.1387% | 4,421 |
| Return on assets (ROA) | 0.1387% | 4,390 |
| Pretax return on assets | 0.1451% | 4,397 |
| Return on Equity (ROE) | 0.6051% | 4,473 |
| Retained earnings to average equity (ytd only) | 0.6051% | 3,899 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1974% | 456 |
| Assets per employee ($millions) | 8.1027% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2976% | 4,688 |
| Loan loss allowance to noncurrent loans | 285.2123% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 2,799 |
| Noncurrent loans to loans | 0.1043% | 3,318 |
| Net loans and leases to total assets | 64.4427% | 1,567 |
| Net loans and leases to deposits | 85.3957% | 781 |
| Net loans and leases to core deposits | 94.3076% | 722 |
| Total domestic deposits to total assets | 75.4637% | 4,524 |
| Equity capital to assets | 21.7604% | 124 |
| Core capital (leverage) ratio | 23.8149% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $989,410,000 | 991 |
| Average earning assets | $927,292,000 | 984 |
| Average equity | $226,755,000 | 494 |
| Average total loans | $635,577,000 | 967 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9328% | 3,997 |
| Cost of funding earning assets | 0.5267% | 803 |
| Net interest margin | 2.4061% | 4,317 |
| Noninterest income to average assets | 0.1332% | 4,477 |
| Noninterest expense to average assets | 2.1325% | 3,296 |
| Loan and lease loss provision to assets | 0.0354% | 2,345 |
| Net operating income to assets | 0.1983% | 4,535 |
| Return on assets (ROA) | 0.2023% | 4,551 |
| Pretax return on assets | 0.2248% | 4,551 |
| Return on Equity (ROE) | 0.8217% | 4,621 |
| Retained earnings to average equity (ytd only) | 0.8217% | 4,305 |
| Net charge-offs to loans | 0.0017% | 2,594 |
| Credit loss provision to net charge-offs | 3,350.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 242.0000% | 475 |
| Efficiency ratio | 89.2916% | 351 |
| Assets per employee ($millions) | 7.7279% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3001% | 4,731 |
| Loan loss allowance to noncurrent loans | 243.7418% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 3,400 |
| Noncurrent loans to loans | 0.1231% | 3,316 |
| Net loans and leases to total assets | 63.6301% | 1,747 |
| Net loans and leases to deposits | 85.6033% | 818 |
| Net loans and leases to core deposits | 94.8150% | 740 |
| Total domestic deposits to total assets | 74.3314% | 4,574 |
| Equity capital to assets | 24.1321% | 106 |
| Core capital (leverage) ratio | 24.3682% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $946,252,000 | 996 |
| Average earning assets | $886,856,200 | 992 |
| Average equity | $232,944,600 | 475 |
| Average total loans | $587,024,600 | 1,032 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9469% | 4,086 |
| Cost of funding earning assets | 0.5460% | 853 |
| Net interest margin | 2.4009% | 4,394 |
| Noninterest income to average assets | 0.1303% | 4,545 |
| Noninterest expense to average assets | 2.1083% | 3,336 |
| Loan and lease loss provision to assets | 0.0191% | 2,623 |
| Net operating income to assets | 0.2256% | 4,604 |
| Return on assets (ROA) | 0.2309% | 4,618 |
| Pretax return on assets | 0.2586% | 4,624 |
| Return on Equity (ROE) | 0.9331% | 4,696 |
| Retained earnings to average equity (ytd only) | 0.9331% | 4,425 |
| Net charge-offs to loans | 0.0023% | 2,292 |
| Credit loss provision to net charge-offs | 1,350.0000% | 432 |
| Earnings coverage of net charge-offs (x) | 191.9000% | 570 |
| Efficiency ratio | 88.5801% | 358 |
| Assets per employee ($millions) | 8.1249% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2792% | 4,823 |
| Loan loss allowance to noncurrent loans | 191.4153% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 3,505 |
| Noncurrent loans to loans | 0.1459% | 3,388 |
| Net loans and leases to total assets | 60.9486% | 2,143 |
| Net loans and leases to deposits | 81.9044% | 1,123 |
| Net loans and leases to core deposits | 92.5996% | 895 |
| Total domestic deposits to total assets | 74.4142% | 4,622 |
| Equity capital to assets | 24.0639% | 111 |
| Core capital (leverage) ratio | 24.4268% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $941,318,500 | 1,018 |
| Average earning assets | $882,091,750 | 1,008 |
| Average equity | $232,902,500 | 477 |
| Average total loans | $579,653,750 | 1,063 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9989% | 4,051 |
| Cost of funding earning assets | 0.5762% | 835 |
| Net interest margin | 2.4227% | 4,402 |
| Noninterest income to average assets | 0.1387% | 4,507 |
| Noninterest expense to average assets | 2.1153% | 3,343 |
| Loan and lease loss provision to assets | 0.0236% | 2,497 |
| Net operating income to assets | 0.2394% | 4,595 |
| Return on assets (ROA) | 0.2419% | 4,604 |
| Pretax return on assets | 0.2736% | 4,616 |
| Return on Equity (ROE) | 0.9683% | 4,703 |
| Retained earnings to average equity (ytd only) | 0.9683% | 4,348 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7836% | 403 |
| Assets per employee ($millions) | 8.0457% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2787% | 4,856 |
| Loan loss allowance to noncurrent loans | 183.7079% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 3,559 |
| Noncurrent loans to loans | 0.1517% | 3,441 |
| Net loans and leases to total assets | 61.6114% | 2,222 |
| Net loans and leases to deposits | 82.1046% | 1,212 |
| Net loans and leases to core deposits | 92.1331% | 999 |
| Total domestic deposits to total assets | 75.0402% | 4,617 |
| Equity capital to assets | 24.6009% | 101 |
| Core capital (leverage) ratio | 25.0332% | 90 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $932,805,333 | 1,020 |
| Average earning assets | $874,379,000 | 1,013 |
| Average equity | $232,982,000 | 475 |
| Average total loans | $575,893,000 | 1,073 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0542% | 3,981 |
| Cost of funding earning assets | 0.6288% | 764 |
| Net interest margin | 2.4254% | 4,389 |
| Noninterest income to average assets | 0.1415% | 4,496 |
| Noninterest expense to average assets | 2.0962% | 3,436 |
| Loan and lease loss provision to assets | 0.0260% | 2,439 |
| Net operating income to assets | 0.2556% | 4,580 |
| Return on assets (ROA) | 0.2605% | 4,600 |
| Pretax return on assets | 0.2981% | 4,602 |
| Return on Equity (ROE) | 1.0348% | 4,706 |
| Retained earnings to average equity (ytd only) | 1.0348% | 4,208 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8124% | 484 |
| Assets per employee ($millions) | 7.9567% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2749% | 4,889 |
| Loan loss allowance to noncurrent loans | 161.2411% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 3,653 |
| Noncurrent loans to loans | 0.1705% | 3,497 |
| Net loans and leases to total assets | 61.7579% | 2,311 |
| Net loans and leases to deposits | 82.4614% | 1,305 |
| Net loans and leases to core deposits | 93.1189% | 1,037 |
| Total domestic deposits to total assets | 74.8931% | 4,632 |
| Equity capital to assets | 24.8068% | 95 |
| Core capital (leverage) ratio | 25.4057% | 88 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $924,514,500 | 1,017 |
| Average earning assets | $866,480,000 | 1,008 |
| Average equity | $232,694,000 | 471 |
| Average total loans | $570,556,500 | 1,082 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1664% | 4,490 |
| Cost of funding earning assets | 0.8429% | 1,044 |
| Net interest margin | 2.3235% | 4,705 |
| Noninterest income to average assets | 0.1288% | 4,633 |
| Noninterest expense to average assets | 2.1072% | 3,921 |
| Loan and lease loss provision to assets | 0.0549% | 3,686 |
| Net operating income to assets | 0.1319% | 4,645 |
| Return on assets (ROA) | 0.1466% | 4,674 |
| Pretax return on assets | 0.1663% | 4,668 |
| Return on Equity (ROE) | 0.5617% | 4,725 |
| Retained earnings to average equity (ytd only) | 0.5617% | 4,359 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1518% | 338 |
| Assets per employee ($millions) | 7.6508% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2701% | 4,913 |
| Loan loss allowance to noncurrent loans | 139.7800% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 3,696 |
| Noncurrent loans to loans | 0.1932% | 3,516 |
| Net loans and leases to total assets | 61.3311% | 2,686 |
| Net loans and leases to deposits | 82.6309% | 1,588 |
| Net loans and leases to core deposits | 93.5810% | 1,268 |
| Total domestic deposits to total assets | 74.2230% | 4,626 |
| Equity capital to assets | 25.5369% | 93 |
| Core capital (leverage) ratio | 25.6369% | 89 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $892,710,200 | 975 |
| Average earning assets | $838,688,800 | 965 |
| Average equity | $233,030,400 | 447 |
| Average total loans | $544,176,200 | 1,067 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1328% | 4,646 |
| Cost of funding earning assets | 0.8827% | 1,126 |
| Net interest margin | 2.2501% | 4,796 |
| Noninterest income to average assets | 0.1264% | 4,658 |
| Noninterest expense to average assets | 2.0971% | 3,954 |
| Loan and lease loss provision to assets | 0.0549% | 3,667 |
| Net operating income to assets | 0.0805% | 4,719 |
| Return on assets (ROA) | 0.1006% | 4,727 |
| Pretax return on assets | 0.1119% | 4,719 |
| Return on Equity (ROE) | 0.3834% | 4,763 |
| Retained earnings to average equity (ytd only) | 0.3834% | 4,410 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5575% | 269 |
| Assets per employee ($millions) | 7.7191% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2464% | 4,952 |
| Loan loss allowance to noncurrent loans | 116.2791% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 3,759 |
| Noncurrent loans to loans | 0.2119% | 3,534 |
| Net loans and leases to total assets | 62.7618% | 2,913 |
| Net loans and leases to deposits | 85.1599% | 1,793 |
| Net loans and leases to core deposits | 96.8580% | 1,387 |
| Total domestic deposits to total assets | 73.6987% | 4,587 |
| Equity capital to assets | 25.8208% | 88 |
| Core capital (leverage) ratio | 26.0112% | 83 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $886,365,250 | 966 |
| Average earning assets | $833,185,500 | 950 |
| Average equity | $232,675,000 | 441 |
| Average total loans | $539,070,250 | 1,067 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1295% | 4,773 |
| Cost of funding earning assets | 0.9290% | 1,242 |
| Net interest margin | 2.2005% | 4,880 |
| Noninterest income to average assets | 0.1213% | 4,698 |
| Noninterest expense to average assets | 2.0827% | 4,069 |
| Loan and lease loss provision to assets | 0.0715% | 3,402 |
| Net operating income to assets | 0.0321% | 4,748 |
| Return on assets (ROA) | 0.0609% | 4,747 |
| Pretax return on assets | 0.0718% | 4,744 |
| Return on Equity (ROE) | 0.2305% | 4,775 |
| Retained earnings to average equity (ytd only) | 0.2305% | 4,265 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0073% | 268 |
| Assets per employee ($millions) | 7.8319% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2436% | 4,980 |
| Loan loss allowance to noncurrent loans | 144.2308% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 4,009 |
| Noncurrent loans to loans | 0.1689% | 3,775 |
| Net loans and leases to total assets | 61.9261% | 3,136 |
| Net loans and leases to deposits | 84.2042% | 1,979 |
| Net loans and leases to core deposits | 95.5880% | 1,606 |
| Total domestic deposits to total assets | 73.5427% | 4,623 |
| Equity capital to assets | 26.0564% | 88 |
| Core capital (leverage) ratio | 26.1983% | 85 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $880,776,667 | 954 |
| Average earning assets | $828,889,667 | 937 |
| Average equity | $232,501,333 | 439 |
| Average total loans | $529,353,333 | 1,071 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2296% | 4,855 |
| Cost of funding earning assets | 0.9599% | 1,605 |
| Net interest margin | 2.2697% | 4,931 |
| Noninterest income to average assets | 0.0883% | 4,871 |
| Noninterest expense to average assets | 2.1336% | 4,154 |
| Loan and lease loss provision to assets | 0.0297% | 3,411 |
| Net operating income to assets | 0.0567% | 4,703 |
| Return on assets (ROA) | 0.0567% | 4,697 |
| Pretax return on assets | 0.0668% | 4,690 |
| Return on Equity (ROE) | 0.2134% | 4,720 |
| Retained earnings to average equity (ytd only) | 0.2134% | 3,940 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6736% | 336 |
| Assets per employee ($millions) | 7.7028% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2124% | 5,031 |
| Loan loss allowance to noncurrent loans | 261.2827% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 4,365 |
| Noncurrent loans to loans | 0.0813% | 4,186 |
| Net loans and leases to total assets | 58.8523% | 3,606 |
| Net loans and leases to deposits | 80.4655% | 2,632 |
| Net loans and leases to core deposits | 91.6744% | 2,198 |
| Total domestic deposits to total assets | 73.1398% | 4,717 |
| Equity capital to assets | 26.4931% | 97 |
| Core capital (leverage) ratio | 26.8018% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $874,745,500 | 940 |
| Average earning assets | $825,500,500 | 913 |
| Average equity | $232,431,000 | 439 |
| Average total loans | $516,905,000 | 1,066 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3107% | 4,963 |
| Cost of funding earning assets | 0.9633% | 1,889 |
| Net interest margin | 2.3474% | 5,023 |
| Noninterest income to average assets | 0.1647% | 4,665 |
| Noninterest expense to average assets | 2.1338% | 4,300 |
| Loan and lease loss provision to assets | 0.0125% | 3,765 |
| Net operating income to assets | 0.2125% | 4,831 |
| Return on assets (ROA) | 0.2125% | 4,853 |
| Pretax return on assets | 0.2644% | 4,846 |
| Return on Equity (ROE) | 0.8156% | 4,939 |
| Retained earnings to average equity (ytd only) | 0.8156% | 4,455 |
| Net charge-offs to loans | 0.0076% | 3,407 |
| Credit loss provision to net charge-offs | 284.6154% | 988 |
| Earnings coverage of net charge-offs (x) | 63.0769% | 953 |
| Efficiency ratio | 88.5138% | 414 |
| Assets per employee ($millions) | 7.5118% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2006% | 5,087 |
| Loan loss allowance to noncurrent loans | 226.4770% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 4,371 |
| Noncurrent loans to loans | 0.0886% | 4,170 |
| Net loans and leases to total assets | 59.0887% | 3,665 |
| Net loans and leases to deposits | 80.8502% | 2,676 |
| Net loans and leases to core deposits | 91.7611% | 2,253 |
| Total domestic deposits to total assets | 73.0841% | 4,822 |
| Equity capital to assets | 26.6501% | 103 |
| Core capital (leverage) ratio | 26.2084% | 107 |
| Tier 1 risk-based capital ratio | 69.6588% | 67 |
| Total risk-based capital ratio | 69.9686% | 68 |
| Memoranda: | ||
| Average total assets | $888,421,200 | 889 |
| Average earning assets | $850,030,000 | 851 |
| Average equity | $231,479,400 | 419 |
| Average total loans | $516,347,400 | 1,048 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3180% | 5,060 |
| Cost of funding earning assets | 0.9493% | 1,993 |
| Net interest margin | 2.3687% | 5,113 |
| Noninterest income to average assets | 0.1565% | 4,766 |
| Noninterest expense to average assets | 2.0925% | 4,376 |
| Loan and lease loss provision to assets | 0.0112% | 3,667 |
| Net operating income to assets | 0.2487% | 4,907 |
| Return on assets (ROA) | 0.2487% | 4,921 |
| Pretax return on assets | 0.3208% | 4,881 |
| Return on Equity (ROE) | 0.9598% | 5,016 |
| Retained earnings to average equity (ytd only) | 0.9598% | 4,575 |
| Net charge-offs to loans | 0.0059% | 3,177 |
| Credit loss provision to net charge-offs | 326.0870% | 907 |
| Earnings coverage of net charge-offs (x) | 96.6394% | 771 |
| Efficiency ratio | 86.3057% | 485 |
| Assets per employee ($millions) | 7.5377% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1985% | 5,161 |
| Loan loss allowance to noncurrent loans | 500.0000% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 4,599 |
| Noncurrent loans to loans | 0.0397% | 4,477 |
| Net loans and leases to total assets | 57.8742% | 3,891 |
| Net loans and leases to deposits | 79.0513% | 3,007 |
| Net loans and leases to core deposits | 91.5601% | 2,408 |
| Total domestic deposits to total assets | 73.2110% | 4,854 |
| Equity capital to assets | 26.3394% | 110 |
| Core capital (leverage) ratio | 26.2545% | 109 |
| Tier 1 risk-based capital ratio | 68.9950% | 72 |
| Total risk-based capital ratio | 69.2962% | 74 |
| Memoranda: | ||
| Average total assets | $892,684,750 | 882 |
| Average earning assets | $854,748,000 | 846 |
| Average equity | $231,294,250 | 422 |
| Average total loans | $516,455,750 | 1,048 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2955% | 5,125 |
| Cost of funding earning assets | 0.9255% | 2,028 |
| Net interest margin | 2.3699% | 5,172 |
| Noninterest income to average assets | 0.0493% | 5,168 |
| Noninterest expense to average assets | 2.0815% | 4,445 |
| Loan and lease loss provision to assets | 0.0134% | 3,505 |
| Net operating income to assets | 0.1741% | 5,018 |
| Return on assets (ROA) | 0.1741% | 5,026 |
| Pretax return on assets | 0.2263% | 5,004 |
| Return on Equity (ROE) | 0.6754% | 5,074 |
| Retained earnings to average equity (ytd only) | 0.6754% | 4,517 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6751% | 363 |
| Assets per employee ($millions) | 7.6686% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1979% | 5,218 |
| Loan loss allowance to noncurrent loans | 409.2000% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 4,560 |
| Noncurrent loans to loans | 0.0484% | 4,472 |
| Net loans and leases to total assets | 57.9896% | 3,916 |
| Net loans and leases to deposits | 78.7411% | 3,091 |
| Net loans and leases to core deposits | 90.9787% | 2,511 |
| Total domestic deposits to total assets | 73.6459% | 4,859 |
| Equity capital to assets | 26.0133% | 112 |
| Core capital (leverage) ratio | 26.1941% | 103 |
| Tier 1 risk-based capital ratio | 67.3816% | 77 |
| Total risk-based capital ratio | 67.6792% | 77 |
| Memoranda: | ||
| Average total assets | $896,277,330 | 878 |
| Average earning assets | $859,178,330 | 840 |
| Average equity | $230,962,670 | 421 |
| Average total loans | $518,137,000 | 1,040 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2932% | 5,175 |
| Cost of funding earning assets | 0.8935% | 2,039 |
| Net interest margin | 2.3997% | 5,225 |
| Noninterest income to average assets | 0.0329% | 5,255 |
| Noninterest expense to average assets | 2.0079% | 4,623 |
| Loan and lease loss provision to assets | 0.0133% | 3,264 |
| Net operating income to assets | 0.2397% | 4,975 |
| Return on assets (ROA) | 0.2397% | 4,979 |
| Pretax return on assets | 0.3175% | 4,940 |
| Return on Equity (ROE) | 0.9344% | 5,077 |
| Retained earnings to average equity (ytd only) | 0.9344% | 4,325 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8555% | 590 |
| Assets per employee ($millions) | 7.7234% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1923% | 5,283 |
| Loan loss allowance to noncurrent loans | 334.3434% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 4,638 |
| Noncurrent loans to loans | 0.0575% | 4,508 |
| Net loans and leases to total assets | 57.5323% | 3,938 |
| Net loans and leases to deposits | 77.8200% | 3,079 |
| Net loans and leases to core deposits | 91.7192% | 2,326 |
| Total domestic deposits to total assets | 73.9299% | 4,940 |
| Equity capital to assets | 25.7847% | 108 |
| Core capital (leverage) ratio | 25.8190% | 103 |
| Tier 1 risk-based capital ratio | 69.2273% | 66 |
| Total risk-based capital ratio | 69.5244% | 67 |
| Memoranda: | ||
| Average total assets | $899,634,500 | 872 |
| Average earning assets | $864,442,000 | 837 |
| Average equity | $230,741,500 | 417 |
| Average total loans | $518,767,000 | 1,039 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1905% | 5,155 |
| Cost of funding earning assets | 0.6850% | 2,178 |
| Net interest margin | 2.5056% | 5,212 |
| Noninterest income to average assets | 0.0338% | 5,299 |
| Noninterest expense to average assets | 2.0863% | 4,595 |
| Loan and lease loss provision to assets | 0.0134% | 3,878 |
| Net operating income to assets | 0.2599% | 5,051 |
| Return on assets (ROA) | 0.2599% | 5,046 |
| Pretax return on assets | 0.3272% | 5,023 |
| Return on Equity (ROE) | 1.0162% | 5,162 |
| Retained earnings to average equity (ytd only) | 1.0162% | 4,701 |
| Net charge-offs to loans | 0.0114% | 3,297 |
| Credit loss provision to net charge-offs | 203.3898% | 1,414 |
| Earnings coverage of net charge-offs (x) | 51.7966% | 1,109 |
| Efficiency ratio | 85.9656% | 529 |
| Assets per employee ($millions) | 7.9242% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1848% | 5,328 |
| Loan loss allowance to noncurrent loans | 239.5522% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 4,625 |
| Noncurrent loans to loans | 0.0771% | 4,410 |
| Net loans and leases to total assets | 57.5785% | 4,003 |
| Net loans and leases to deposits | 77.9148% | 3,173 |
| Net loans and leases to core deposits | 91.7321% | 2,433 |
| Total domestic deposits to total assets | 73.8993% | 4,953 |
| Equity capital to assets | 25.5132% | 103 |
| Core capital (leverage) ratio | 25.7655% | 100 |
| Tier 1 risk-based capital ratio | 68.3321% | 70 |
| Total risk-based capital ratio | 68.6171% | 70 |
| Memoranda: | ||
| Average total assets | $897,221,400 | 852 |
| Average earning assets | $856,973,400 | 820 |
| Average equity | $229,490,400 | 408 |
| Average total loans | $519,503,600 | 1,008 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1790% | 5,206 |
| Cost of funding earning assets | 0.6380% | 2,223 |
| Net interest margin | 2.5410% | 5,260 |
| Noninterest income to average assets | 0.0345% | 5,377 |
| Noninterest expense to average assets | 2.0773% | 4,594 |
| Loan and lease loss provision to assets | 0.0134% | 3,730 |
| Net operating income to assets | 0.2781% | 5,120 |
| Return on assets (ROA) | 0.2781% | 5,113 |
| Pretax return on assets | 0.3675% | 5,066 |
| Return on Equity (ROE) | 1.0864% | 5,227 |
| Retained earnings to average equity (ytd only) | 1.0864% | 4,834 |
| Net charge-offs to loans | 0.0152% | 2,881 |
| Credit loss provision to net charge-offs | 152.5424% | 1,679 |
| Earnings coverage of net charge-offs (x) | 43.3754% | 1,280 |
| Efficiency ratio | 84.5041% | 617 |
| Assets per employee ($millions) | 7.5534% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1788% | 5,399 |
| Loan loss allowance to noncurrent loans | 286.1963% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 4,806 |
| Noncurrent loans to loans | 0.0625% | 4,609 |
| Net loans and leases to total assets | 58.4523% | 3,988 |
| Net loans and leases to deposits | 79.6479% | 3,075 |
| Net loans and leases to core deposits | 88.7912% | 2,770 |
| Total domestic deposits to total assets | 73.3884% | 5,031 |
| Equity capital to assets | 25.8161% | 101 |
| Core capital (leverage) ratio | 25.8307% | 98 |
| Tier 1 risk-based capital ratio | 67.4348% | 67 |
| Total risk-based capital ratio | 67.7080% | 72 |
| Memoranda: | ||
| Average total assets | $895,686,750 | 853 |
| Average earning assets | $854,341,000 | 822 |
| Average equity | $229,244,000 | 406 |
| Average total loans | $519,103,500 | 1,002 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1552% | 5,261 |
| Cost of funding earning assets | 0.6032% | 2,206 |
| Net interest margin | 2.5520% | 5,305 |
| Noninterest income to average assets | 0.0348% | 5,432 |
| Noninterest expense to average assets | 2.0634% | 4,685 |
| Loan and lease loss provision to assets | 0.0134% | 3,603 |
| Net operating income to assets | 0.2947% | 5,122 |
| Return on assets (ROA) | 0.2947% | 5,116 |
| Pretax return on assets | 0.3892% | 5,053 |
| Return on Equity (ROE) | 1.1548% | 5,259 |
| Retained earnings to average equity (ytd only) | 1.1548% | 4,722 |
| Net charge-offs to loans | 0.0228% | 2,418 |
| Credit loss provision to net charge-offs | 101.6949% | 1,992 |
| Earnings coverage of net charge-offs (x) | 30.6102% | 1,484 |
| Efficiency ratio | 83.6738% | 707 |
| Assets per employee ($millions) | 7.7286% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1740% | 5,458 |
| Loan loss allowance to noncurrent loans | 444.8276% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 4,887 |
| Noncurrent loans to loans | 0.0391% | 4,739 |
| Net loans and leases to total assets | 57.7747% | 4,012 |
| Net loans and leases to deposits | 78.4220% | 3,113 |
| Net loans and leases to core deposits | 87.0791% | 2,813 |
| Total domestic deposits to total assets | 73.6715% | 5,075 |
| Equity capital to assets | 25.6096% | 104 |
| Core capital (leverage) ratio | 25.7174% | 99 |
| Tier 1 risk-based capital ratio | 67.4281% | 74 |
| Total risk-based capital ratio | 67.6931% | 74 |
| Memoranda: | ||
| Average total assets | $897,150,330 | 850 |
| Average earning assets | $854,709,670 | 827 |
| Average equity | $228,959,330 | 406 |
| Average total loans | $518,166,000 | 1,009 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1406% | 5,282 |
| Cost of funding earning assets | 0.5750% | 2,210 |
| Net interest margin | 2.5655% | 5,343 |
| Noninterest income to average assets | 0.0379% | 5,498 |
| Noninterest expense to average assets | 2.0591% | 4,744 |
| Loan and lease loss provision to assets | 0.0045% | 3,449 |
| Net operating income to assets | 0.3080% | 5,081 |
| Return on assets (ROA) | 0.3080% | 5,088 |
| Pretax return on assets | 0.4042% | 5,033 |
| Return on Equity (ROE) | 1.2089% | 5,290 |
| Retained earnings to average equity (ytd only) | 1.2089% | 4,575 |
| Net charge-offs to loans | 0.0185% | 2,135 |
| Credit loss provision to net charge-offs | 41.6667% | 2,003 |
| Earnings coverage of net charge-offs (x) | 38.2083% | 1,091 |
| Efficiency ratio | 83.4387% | 836 |
| Assets per employee ($millions) | 7.4759% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1710% | 5,524 |
| Loan loss allowance to noncurrent loans | 196.8958% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 4,849 |
| Noncurrent loans to loans | 0.0869% | 4,596 |
| Net loans and leases to total assets | 57.7721% | 3,961 |
| Net loans and leases to deposits | 78.2919% | 2,990 |
| Net loans and leases to core deposits | 86.7816% | 2,739 |
| Total domestic deposits to total assets | 73.7907% | 5,177 |
| Equity capital to assets | 25.5242% | 97 |
| Core capital (leverage) ratio | 25.6224% | 100 |
| Tier 1 risk-based capital ratio | 66.4242% | 72 |
| Total risk-based capital ratio | 66.6816% | 75 |
| Memoranda: | ||
| Average total assets | $897,468,500 | 858 |
| Average earning assets | $850,037,000 | 836 |
| Average equity | $228,642,000 | 412 |
| Average total loans | $517,818,500 | 1,014 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1079% | 5,280 |
| Cost of funding earning assets | 0.5498% | 1,954 |
| Net interest margin | 2.5581% | 5,376 |
| Noninterest income to average assets | 0.0320% | 5,569 |
| Noninterest expense to average assets | 2.0753% | 4,822 |
| Loan and lease loss provision to assets | 0.0111% | 4,061 |
| Net operating income to assets | 0.2319% | 5,044 |
| Return on assets (ROA) | 0.2319% | 5,061 |
| Pretax return on assets | 0.3685% | 5,125 |
| Return on Equity (ROE) | 0.9181% | 5,240 |
| Retained earnings to average equity (ytd only) | 0.9181% | 4,652 |
| Net charge-offs to loans | 0.0095% | 3,755 |
| Credit loss provision to net charge-offs | 204.0816% | 1,338 |
| Earnings coverage of net charge-offs (x) | 69.7755% | 857 |
| Efficiency ratio | 84.5385% | 727 |
| Assets per employee ($millions) | 7.3593% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1746% | 5,586 |
| Loan loss allowance to noncurrent loans | 106.1176% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 4,651 |
| Noncurrent loans to loans | 0.1646% | 4,270 |
| Net loans and leases to total assets | 57.4240% | 4,068 |
| Net loans and leases to deposits | 77.6165% | 3,161 |
| Net loans and leases to core deposits | 86.2418% | 2,893 |
| Total domestic deposits to total assets | 73.9842% | 5,180 |
| Equity capital to assets | 25.4285% | 95 |
| Core capital (leverage) ratio | 25.2969% | 94 |
| Tier 1 risk-based capital ratio | 65.8537% | 70 |
| Total risk-based capital ratio | 66.1137% | 71 |
| Memoranda: | ||
| Average total assets | $900,772,000 | 831 |
| Average earning assets | $853,167,200 | 804 |
| Average equity | $227,525,400 | 398 |
| Average total loans | $514,836,000 | 994 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0903% | 5,347 |
| Cost of funding earning assets | 0.5458% | 1,928 |
| Net interest margin | 2.5445% | 5,445 |
| Noninterest income to average assets | 0.0297% | 5,636 |
| Noninterest expense to average assets | 2.0389% | 4,875 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2513% | 5,295 |
| Return on assets (ROA) | 0.2513% | 5,311 |
| Pretax return on assets | 0.4054% | 5,178 |
| Return on Equity (ROE) | 0.9965% | 5,432 |
| Retained earnings to average equity (ytd only) | 0.9965% | 4,975 |
| Net charge-offs to loans | 0.0070% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 101.5161% | 684 |
| Efficiency ratio | 83.4150% | 805 |
| Assets per employee ($millions) | 7.8063% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1586% | 5,659 |
| Loan loss allowance to noncurrent loans | 214.5833% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 4,986 |
| Noncurrent loans to loans | 0.0739% | 4,781 |
| Net loans and leases to total assets | 57.2689% | 4,129 |
| Net loans and leases to deposits | 77.3526% | 3,236 |
| Net loans and leases to core deposits | 85.8056% | 2,987 |
| Total domestic deposits to total assets | 74.0362% | 5,231 |
| Equity capital to assets | 25.1977% | 99 |
| Core capital (leverage) ratio | 25.2175% | 97 |
| Tier 1 risk-based capital ratio | 65.8541% | 72 |
| Total risk-based capital ratio | 66.0920% | 72 |
| Memoranda: | ||
| Average total assets | $901,507,750 | 832 |
| Average earning assets | $855,466,750 | 803 |
| Average equity | $227,330,750 | 400 |
| Average total loans | $514,427,250 | 997 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0825% | 5,365 |
| Cost of funding earning assets | 0.5418% | 1,830 |
| Net interest margin | 2.5407% | 5,475 |
| Noninterest income to average assets | 0.0315% | 5,682 |
| Noninterest expense to average assets | 2.0472% | 4,885 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2471% | 5,330 |
| Return on assets (ROA) | 0.2471% | 5,344 |
| Pretax return on assets | 0.3986% | 5,178 |
| Return on Equity (ROE) | 0.9795% | 5,475 |
| Retained earnings to average equity (ytd only) | 0.9795% | 4,841 |
| Net charge-offs to loans | 0.0004% | 3,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1,794.0000% | 29 |
| Efficiency ratio | 83.7028% | 867 |
| Assets per employee ($millions) | 7.4848% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1641% | 5,708 |
| Loan loss allowance to noncurrent loans | 149.1228% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 4,927 |
| Noncurrent loans to loans | 0.1101% | 4,679 |
| Net loans and leases to total assets | 57.0832% | 4,114 |
| Net loans and leases to deposits | 76.9377% | 3,228 |
| Net loans and leases to core deposits | 84.8568% | 2,981 |
| Total domestic deposits to total assets | 74.1941% | 5,274 |
| Equity capital to assets | 25.1306% | 97 |
| Core capital (leverage) ratio | 25.1629% | 95 |
| Tier 1 risk-based capital ratio | 65.4036% | 73 |
| Total risk-based capital ratio | 65.6479% | 73 |
| Memoranda: | ||
| Average total assets | $900,167,000 | 840 |
| Average earning assets | $855,344,000 | 806 |
| Average equity | $227,050,000 | 401 |
| Average total loans | $512,766,000 | 996 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0802% | 5,389 |
| Cost of funding earning assets | 0.5407% | 1,777 |
| Net interest margin | 2.5394% | 5,515 |
| Noninterest income to average assets | 0.0352% | 5,755 |
| Noninterest expense to average assets | 2.0463% | 4,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2483% | 5,308 |
| Return on assets (ROA) | 0.2483% | 5,324 |
| Pretax return on assets | 0.4003% | 5,157 |
| Return on Equity (ROE) | 0.9825% | 5,499 |
| Retained earnings to average equity (ytd only) | 0.9825% | 4,666 |
| Net charge-offs to loans | 0.0008% | 2,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 898.0000% | 49 |
| Efficiency ratio | 83.6400% | 1,002 |
| Assets per employee ($millions) | 7.5080% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1660% | 5,781 |
| Loan loss allowance to noncurrent loans | 270.7006% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 5,171 |
| Noncurrent loans to loans | 0.0613% | 4,955 |
| Net loans and leases to total assets | 56.7305% | 4,097 |
| Net loans and leases to deposits | 76.5055% | 3,134 |
| Net loans and leases to core deposits | 84.3122% | 2,867 |
| Total domestic deposits to total assets | 74.1523% | 5,405 |
| Equity capital to assets | 25.2010% | 100 |
| Core capital (leverage) ratio | 25.3383% | 95 |
| Tier 1 risk-based capital ratio | 65.7853% | 74 |
| Total risk-based capital ratio | 66.0317% | 76 |
| Memoranda: | ||
| Average total assets | $897,420,500 | 845 |
| Average earning assets | $852,153,500 | 819 |
| Average equity | $226,776,000 | 405 |
| Average total loans | $510,234,000 | 997 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1053% | 5,397 |
| Cost of funding earning assets | 0.5521% | 1,671 |
| Net interest margin | 2.5532% | 5,557 |
| Noninterest income to average assets | 0.0842% | 5,683 |
| Noninterest expense to average assets | 2.0697% | 5,054 |
| Loan and lease loss provision to assets | 0.0048% | 4,259 |
| Net operating income to assets | 0.2806% | 5,259 |
| Return on assets (ROA) | 0.2806% | 5,330 |
| Pretax return on assets | 0.4442% | 5,133 |
| Return on Equity (ROE) | 1.1176% | 5,552 |
| Retained earnings to average equity (ytd only) | 1.1176% | 4,855 |
| Net charge-offs to loans | 0.0169% | 3,733 |
| Credit loss provision to net charge-offs | 50.0000% | 3,375 |
| Earnings coverage of net charge-offs (x) | 46.8372% | 1,051 |
| Efficiency ratio | 82.1723% | 1,184 |
| Assets per employee ($millions) | 7.3874% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1674% | 5,837 |
| Loan loss allowance to noncurrent loans | 198.8318% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 5,151 |
| Noncurrent loans to loans | 0.0842% | 4,909 |
| Net loans and leases to total assets | 56.7914% | 4,189 |
| Net loans and leases to deposits | 76.5986% | 3,254 |
| Net loans and leases to core deposits | 84.4993% | 2,978 |
| Total domestic deposits to total assets | 74.1416% | 5,430 |
| Equity capital to assets | 25.3391% | 96 |
| Core capital (leverage) ratio | 25.1983% | 96 |
| Tier 1 risk-based capital ratio | 65.8165% | 70 |
| Total risk-based capital ratio | 66.0639% | 70 |
| Memoranda: | ||
| Average total assets | $897,050,800 | 805 |
| Average earning assets | $855,350,200 | 765 |
| Average equity | $225,222,600 | 392 |
| Average total loans | $509,151,800 | 962 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1080% | 5,463 |
| Cost of funding earning assets | 0.5521% | 1,671 |
| Net interest margin | 2.5559% | 5,620 |
| Noninterest income to average assets | 0.0352% | 5,868 |
| Noninterest expense to average assets | 2.0404% | 5,127 |
| Loan and lease loss provision to assets | 0.0064% | 4,101 |
| Net operating income to assets | 0.2636% | 5,365 |
| Return on assets (ROA) | 0.2636% | 5,438 |
| Pretax return on assets | 0.4292% | 5,260 |
| Return on Equity (ROE) | 1.0523% | 5,639 |
| Retained earnings to average equity (ytd only) | 1.0523% | 5,072 |
| Net charge-offs to loans | 0.0225% | 3,230 |
| Credit loss provision to net charge-offs | 50.0000% | 3,029 |
| Earnings coverage of net charge-offs (x) | 34.1058% | 1,370 |
| Efficiency ratio | 82.4087% | 1,146 |
| Assets per employee ($millions) | 7.3660% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1664% | 5,901 |
| Loan loss allowance to noncurrent loans | 160.5660% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 5,209 |
| Noncurrent loans to loans | 0.1036% | 4,925 |
| Net loans and leases to total assets | 56.8284% | 4,215 |
| Net loans and leases to deposits | 76.6631% | 3,330 |
| Net loans and leases to core deposits | 84.8389% | 3,049 |
| Total domestic deposits to total assets | 74.1275% | 5,420 |
| Equity capital to assets | 25.1236% | 104 |
| Core capital (leverage) ratio | 25.1720% | 95 |
| Tier 1 risk-based capital ratio | 65.3867% | 71 |
| Total risk-based capital ratio | 65.6333% | 72 |
| Memoranda: | ||
| Average total assets | $897,843,500 | 803 |
| Average earning assets | $857,387,000 | 766 |
| Average equity | $224,903,000 | 392 |
| Average total loans | $509,315,250 | 961 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1137% | 5,533 |
| Cost of funding earning assets | 0.5545% | 1,661 |
| Net interest margin | 2.5592% | 5,702 |
| Noninterest income to average assets | 0.0374% | 5,938 |
| Noninterest expense to average assets | 2.0317% | 5,206 |
| Loan and lease loss provision to assets | 0.0096% | 3,899 |
| Net operating income to assets | 0.2663% | 5,400 |
| Return on assets (ROA) | 0.2663% | 5,472 |
| Pretax return on assets | 0.4354% | 5,273 |
| Return on Equity (ROE) | 1.0641% | 5,679 |
| Retained earnings to average equity (ytd only) | 1.0641% | 4,961 |
| Net charge-offs to loans | 0.0338% | 2,774 |
| Credit loss provision to net charge-offs | 50.0000% | 2,666 |
| Earnings coverage of net charge-offs (x) | 23.2209% | 1,597 |
| Efficiency ratio | 82.0333% | 1,264 |
| Assets per employee ($millions) | 7.3445% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1679% | 5,980 |
| Loan loss allowance to noncurrent loans | 217.6471% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 5,400 |
| Noncurrent loans to loans | 0.0772% | 5,139 |
| Net loans and leases to total assets | 56.4618% | 4,256 |
| Net loans and leases to deposits | 76.0612% | 3,374 |
| Net loans and leases to core deposits | 83.7727% | 3,103 |
| Total domestic deposits to total assets | 74.2321% | 5,495 |
| Equity capital to assets | 25.1332% | 100 |
| Core capital (leverage) ratio | 25.0891% | 93 |
| Tier 1 risk-based capital ratio | 65.4867% | 79 |
| Total risk-based capital ratio | 65.7343% | 80 |
| Memoranda: | ||
| Average total assets | $897,575,000 | 806 |
| Average earning assets | $855,517,000 | 767 |
| Average equity | $224,613,000 | 393 |
| Average total loans | $508,574,000 | 960 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1117% | 5,594 |
| Cost of funding earning assets | 0.5535% | 1,670 |
| Net interest margin | 2.5582% | 5,759 |
| Noninterest income to average assets | 0.0383% | 5,998 |
| Noninterest expense to average assets | 2.0255% | 5,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2836% | 5,347 |
| Return on assets (ROA) | 0.2836% | 5,425 |
| Pretax return on assets | 0.4577% | 5,192 |
| Return on Equity (ROE) | 1.1359% | 5,670 |
| Retained earnings to average equity (ytd only) | 1.1359% | 4,786 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5672% | 1,413 |
| Assets per employee ($millions) | 7.4112% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1763% | 6,045 |
| Loan loss allowance to noncurrent loans | 272.5610% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 5,384 |
| Noncurrent loans to loans | 0.0647% | 5,219 |
| Net loans and leases to total assets | 56.4359% | 4,204 |
| Net loans and leases to deposits | 75.9675% | 3,226 |
| Net loans and leases to core deposits | 83.4631% | 2,988 |
| Total domestic deposits to total assets | 74.2895% | 5,591 |
| Equity capital to assets | 25.0497% | 92 |
| Core capital (leverage) ratio | 25.0647% | 93 |
| Tier 1 risk-based capital ratio | 65.5896% | 76 |
| Total risk-based capital ratio | 65.8507% | 78 |
| Memoranda: | ||
| Average total assets | $898,350,000 | 807 |
| Average earning assets | $858,556,000 | 770 |
| Average equity | $224,319,500 | 389 |
| Average total loans | $509,479,500 | 960 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1413% | 5,588 |
| Cost of funding earning assets | 0.5774% | 1,521 |
| Net interest margin | 2.5639% | 5,782 |
| Noninterest income to average assets | 0.0317% | 6,043 |
| Noninterest expense to average assets | 1.9764% | 5,505 |
| Loan and lease loss provision to assets | 0.0022% | 4,344 |
| Net operating income to assets | 0.3207% | 5,295 |
| Return on assets (ROA) | 0.3207% | 5,379 |
| Pretax return on assets | 0.4883% | 5,136 |
| Return on Equity (ROE) | 1.3133% | 5,716 |
| Retained earnings to average equity (ytd only) | 1.3133% | 4,969 |
| Net charge-offs to loans | 0.0357% | 3,498 |
| Credit loss provision to net charge-offs | 10.8108% | 3,817 |
| Earnings coverage of net charge-offs (x) | 24.1676% | 1,692 |
| Efficiency ratio | 80.1165% | 1,659 |
| Assets per employee ($millions) | 7.5625% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1746% | 6,095 |
| Loan loss allowance to noncurrent loans | 102.7586% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 5,136 |
| Noncurrent loans to loans | 0.1699% | 4,808 |
| Net loans and leases to total assets | 56.7901% | 4,222 |
| Net loans and leases to deposits | 76.1533% | 3,231 |
| Net loans and leases to core deposits | 83.6623% | 2,993 |
| Total domestic deposits to total assets | 74.5734% | 5,594 |
| Equity capital to assets | 24.8909% | 93 |
| Core capital (leverage) ratio | 24.7341% | 93 |
| Tier 1 risk-based capital ratio | 65.0011% | 78 |
| Total risk-based capital ratio | 65.2607% | 79 |
| Memoranda: | ||
| Average total assets | $911,501,600 | 756 |
| Average earning assets | $865,760,800 | 730 |
| Average equity | $222,572,600 | 381 |
| Average total loans | $517,781,000 | 905 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1410% | 5,656 |
| Cost of funding earning assets | 0.5805% | 1,541 |
| Net interest margin | 2.5605% | 5,873 |
| Noninterest income to average assets | 0.0300% | 6,138 |
| Noninterest expense to average assets | 1.9590% | 5,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3110% | 5,424 |
| Return on assets (ROA) | 0.3110% | 5,508 |
| Pretax return on assets | 0.5016% | 5,212 |
| Return on Equity (ROE) | 1.2798% | 5,817 |
| Retained earnings to average equity (ytd only) | 1.2798% | 5,208 |
| Net charge-offs to loans | 0.0280% | 3,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 31.5596% | 1,453 |
| Efficiency ratio | 79.6148% | 1,718 |
| Assets per employee ($millions) | 7.7671% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1835% | 6,178 |
| Loan loss allowance to noncurrent loans | 67.9056% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 5,114 |
| Noncurrent loans to loans | 0.2702% | 4,610 |
| Net loans and leases to total assets | 56.8691% | 4,258 |
| Net loans and leases to deposits | 76.1315% | 3,287 |
| Net loans and leases to core deposits | 83.7064% | 3,078 |
| Total domestic deposits to total assets | 74.6985% | 5,645 |
| Equity capital to assets | 24.5642% | 102 |
| Core capital (leverage) ratio | 24.4593% | 97 |
| Tier 1 risk-based capital ratio | 64.0373% | 83 |
| Total risk-based capital ratio | 64.3100% | 86 |
| Memoranda: | ||
| Average total assets | $914,392,250 | 763 |
| Average earning assets | $867,993,250 | 737 |
| Average equity | $222,215,000 | 390 |
| Average total loans | $519,233,750 | 906 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1491% | 5,689 |
| Cost of funding earning assets | 0.5836% | 1,538 |
| Net interest margin | 2.5655% | 5,912 |
| Noninterest income to average assets | 0.0323% | 6,210 |
| Noninterest expense to average assets | 1.9468% | 5,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3230% | 5,377 |
| Return on assets (ROA) | 0.3230% | 5,470 |
| Pretax return on assets | 0.5210% | 5,173 |
| Return on Equity (ROE) | 1.3341% | 5,830 |
| Retained earnings to average equity (ytd only) | 1.3341% | 5,014 |
| Net charge-offs to loans | 0.0354% | 2,965 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 25.9457% | 1,503 |
| Efficiency ratio | 78.8873% | 1,935 |
| Assets per employee ($millions) | 7.6116% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1868% | 6,247 |
| Loan loss allowance to noncurrent loans | 110.8945% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 5,469 |
| Noncurrent loans to loans | 0.1684% | 5,090 |
| Net loans and leases to total assets | 56.5812% | 4,270 |
| Net loans and leases to deposits | 75.4631% | 3,323 |
| Net loans and leases to core deposits | 81.8731% | 3,191 |
| Total domestic deposits to total assets | 74.9785% | 5,707 |
| Equity capital to assets | 24.3694% | 99 |
| Core capital (leverage) ratio | 24.3213% | 98 |
| Tier 1 risk-based capital ratio | 64.9929% | 87 |
| Total risk-based capital ratio | 65.2755% | 89 |
| Memoranda: | ||
| Average total assets | $916,274,000 | 768 |
| Average earning assets | $869,844,670 | 737 |
| Average equity | $221,878,000 | 388 |
| Average total loans | $519,729,670 | 911 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1504% | 5,721 |
| Cost of funding earning assets | 0.5837% | 1,554 |
| Net interest margin | 2.5667% | 5,954 |
| Noninterest income to average assets | 0.0331% | 6,269 |
| Noninterest expense to average assets | 1.9152% | 5,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3469% | 5,257 |
| Return on assets (ROA) | 0.3469% | 5,376 |
| Pretax return on assets | 0.5597% | 5,025 |
| Return on Equity (ROE) | 1.4373% | 5,822 |
| Retained earnings to average equity (ytd only) | 1.4373% | 4,910 |
| Net charge-offs to loans | 0.0461% | 2,337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 21.4000% | 1,379 |
| Efficiency ratio | 77.3864% | 2,283 |
| Assets per employee ($millions) | 7.6917% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1925% | 6,327 |
| Loan loss allowance to noncurrent loans | 114.6958% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 5,558 |
| Noncurrent loans to loans | 0.1678% | 5,166 |
| Net loans and leases to total assets | 56.5948% | 4,137 |
| Net loans and leases to deposits | 75.3654% | 3,127 |
| Net loans and leases to core deposits | 81.5651% | 2,998 |
| Total domestic deposits to total assets | 75.0939% | 5,820 |
| Equity capital to assets | 24.2461% | 103 |
| Core capital (leverage) ratio | 24.2518% | 98 |
| Tier 1 risk-based capital ratio | 64.7271% | 91 |
| Total risk-based capital ratio | 65.0187% | 97 |
| Memoranda: | ||
| Average total assets | $917,713,000 | 760 |
| Average earning assets | $873,044,000 | 735 |
| Average equity | $221,522,500 | 385 |
| Average total loans | $520,706,000 | 908 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2160% | 5,816 |
| Cost of funding earning assets | 0.6185% | 1,617 |
| Net interest margin | 2.5975% | 6,077 |
| Noninterest income to average assets | 0.0313% | 6,334 |
| Noninterest expense to average assets | 1.9405% | 5,879 |
| Loan and lease loss provision to assets | 0.0153% | 4,303 |
| Net operating income to assets | 0.3609% | 5,351 |
| Return on assets (ROA) | 0.3609% | 5,426 |
| Pretax return on assets | 0.5401% | 5,141 |
| Return on Equity (ROE) | 1.5168% | 5,887 |
| Retained earnings to average equity (ytd only) | 1.5168% | 5,076 |
| Net charge-offs to loans | 0.0373% | 4,091 |
| Credit loss provision to net charge-offs | 71.5736% | 3,031 |
| Earnings coverage of net charge-offs (x) | 25.9949% | 1,483 |
| Efficiency ratio | 77.7483% | 2,242 |
| Assets per employee ($millions) | 7.7321% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2027% | 6,416 |
| Loan loss allowance to noncurrent loans | 95.6640% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 5,283 |
| Noncurrent loans to loans | 0.2119% | 5,057 |
| Net loans and leases to total assets | 56.6599% | 4,242 |
| Net loans and leases to deposits | 75.0972% | 3,298 |
| Net loans and leases to core deposits | 82.2789% | 3,070 |
| Total domestic deposits to total assets | 75.4487% | 5,807 |
| Equity capital to assets | 24.0315% | 114 |
| Core capital (leverage) ratio | 24.0182% | 100 |
| Tier 1 risk-based capital ratio | 61.6399% | 88 |
| Total risk-based capital ratio | 61.9354% | 89 |
| Memoranda: | ||
| Average total assets | $922,077,600 | 722 |
| Average earning assets | $874,870,200 | 702 |
| Average equity | $219,407,800 | 374 |
| Average total loans | $528,575,800 | 835 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2296% | 5,869 |
| Cost of funding earning assets | 0.6180% | 1,696 |
| Net interest margin | 2.6116% | 6,120 |
| Noninterest income to average assets | 0.0298% | 6,423 |
| Noninterest expense to average assets | 1.9314% | 5,898 |
| Loan and lease loss provision to assets | 0.0204% | 3,996 |
| Net operating income to assets | 0.3353% | 5,476 |
| Return on assets (ROA) | 0.3353% | 5,545 |
| Pretax return on assets | 0.5534% | 5,173 |
| Return on Equity (ROE) | 1.4126% | 5,968 |
| Retained earnings to average equity (ytd only) | 1.4126% | 5,335 |
| Net charge-offs to loans | 0.0309% | 3,865 |
| Credit loss provision to net charge-offs | 114.6341% | 1,982 |
| Earnings coverage of net charge-offs (x) | 32.2756% | 1,308 |
| Efficiency ratio | 77.0970% | 2,339 |
| Assets per employee ($millions) | 7.6612% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2166% | 6,488 |
| Loan loss allowance to noncurrent loans | 88.2399% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 5,476 |
| Noncurrent loans to loans | 0.2454% | 5,164 |
| Net loans and leases to total assets | 56.3176% | 4,292 |
| Net loans and leases to deposits | 74.6281% | 3,353 |
| Net loans and leases to core deposits | 82.0579% | 3,098 |
| Total domestic deposits to total assets | 75.4643% | 5,874 |
| Equity capital to assets | 23.7460% | 118 |
| Core capital (leverage) ratio | 23.7314% | 110 |
| Tier 1 risk-based capital ratio | 61.2815% | 87 |
| Total risk-based capital ratio | 61.5971% | 89 |
| Memoranda: | ||
| Average total assets | $922,567,750 | 724 |
| Average earning assets | $874,436,750 | 702 |
| Average equity | $218,980,250 | 371 |
| Average total loans | $530,120,750 | 832 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2477% | 5,874 |
| Cost of funding earning assets | 0.6148% | 1,769 |
| Net interest margin | 2.6328% | 6,133 |
| Noninterest income to average assets | 0.0326% | 6,485 |
| Noninterest expense to average assets | 1.9386% | 5,931 |
| Loan and lease loss provision to assets | 0.0161% | 3,936 |
| Net operating income to assets | 0.3511% | 5,403 |
| Return on assets (ROA) | 0.3511% | 5,471 |
| Pretax return on assets | 0.5763% | 5,032 |
| Return on Equity (ROE) | 1.4794% | 5,955 |
| Retained earnings to average equity (ytd only) | 1.4794% | 5,151 |
| Net charge-offs to loans | 0.0297% | 3,601 |
| Credit loss provision to net charge-offs | 93.6709% | 2,121 |
| Earnings coverage of net charge-offs (x) | 34.5316% | 1,163 |
| Efficiency ratio | 76.5957% | 2,521 |
| Assets per employee ($millions) | 7.6477% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2096% | 6,565 |
| Loan loss allowance to noncurrent loans | 66.9277% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 5,592 |
| Noncurrent loans to loans | 0.3132% | 5,077 |
| Net loans and leases to total assets | 57.1604% | 4,094 |
| Net loans and leases to deposits | 75.6087% | 3,110 |
| Net loans and leases to core deposits | 81.6696% | 3,009 |
| Total domestic deposits to total assets | 75.6004% | 5,959 |
| Equity capital to assets | 23.7121% | 110 |
| Core capital (leverage) ratio | 23.6929% | 105 |
| Tier 1 risk-based capital ratio | 60.4761% | 87 |
| Total risk-based capital ratio | 60.7826% | 88 |
| Memoranda: | ||
| Average total assets | $921,089,000 | 726 |
| Average earning assets | $874,043,670 | 699 |
| Average equity | $218,598,330 | 368 |
| Average total loans | $532,428,000 | 823 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2443% | 5,938 |
| Cost of funding earning assets | 0.6266% | 1,758 |
| Net interest margin | 2.6177% | 6,212 |
| Noninterest income to average assets | 0.0396% | 6,510 |
| Noninterest expense to average assets | 1.9518% | 5,975 |
| Loan and lease loss provision to assets | 0.0231% | 3,529 |
| Net operating income to assets | 0.3339% | 5,378 |
| Return on assets (ROA) | 0.3339% | 5,429 |
| Pretax return on assets | 0.5524% | 5,002 |
| Return on Equity (ROE) | 1.4061% | 5,945 |
| Retained earnings to average equity (ytd only) | 1.4061% | 5,051 |
| Net charge-offs to loans | 0.0412% | 2,806 |
| Credit loss provision to net charge-offs | 96.3636% | 1,735 |
| Earnings coverage of net charge-offs (x) | 24.0364% | 1,195 |
| Efficiency ratio | 77.2305% | 2,602 |
| Assets per employee ($millions) | 7.6587% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2092% | 6,639 |
| Loan loss allowance to noncurrent loans | 55.3181% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 5,533 |
| Noncurrent loans to loans | 0.3782% | 4,991 |
| Net loans and leases to total assets | 57.7571% | 3,888 |
| Net loans and leases to deposits | 76.4716% | 2,758 |
| Net loans and leases to core deposits | 82.3759% | 2,701 |
| Total domestic deposits to total assets | 75.5275% | 6,113 |
| Equity capital to assets | 23.7823% | 115 |
| Core capital (leverage) ratio | 23.7677% | 109 |
| Tier 1 risk-based capital ratio | 60.1987% | 88 |
| Total risk-based capital ratio | 60.5055% | 92 |
| Memoranda: | ||
| Average total assets | $918,950,500 | 735 |
| Average earning assets | $873,283,000 | 705 |
| Average equity | $218,185,500 | 364 |
| Average total loans | $533,615,000 | 822 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3131% | 5,985 |
| Cost of funding earning assets | 0.7587% | 1,450 |
| Net interest margin | 2.5544% | 6,325 |
| Noninterest income to average assets | 0.0381% | 6,580 |
| Noninterest expense to average assets | 1.9302% | 6,141 |
| Loan and lease loss provision to assets | 0.0271% | 4,589 |
| Net operating income to assets | 0.3603% | 5,295 |
| Return on assets (ROA) | 0.3603% | 5,410 |
| Pretax return on assets | 0.5387% | 5,075 |
| Return on Equity (ROE) | 1.5459% | 5,975 |
| Retained earnings to average equity (ytd only) | 1.5459% | 5,118 |
| Net charge-offs to loans | 0.0660% | 4,289 |
| Credit loss provision to net charge-offs | 72.5434% | 3,236 |
| Earnings coverage of net charge-offs (x) | 15.1647% | 1,895 |
| Efficiency ratio | 77.3318% | 2,566 |
| Assets per employee ($millions) | 7.6571% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2083% | 6,708 |
| Loan loss allowance to noncurrent loans | 67.9050% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 5,754 |
| Noncurrent loans to loans | 0.3067% | 5,269 |
| Net loans and leases to total assets | 58.1362% | 4,017 |
| Net loans and leases to deposits | 76.7455% | 2,890 |
| Net loans and leases to core deposits | 82.5986% | 2,821 |
| Total domestic deposits to total assets | 75.7520% | 6,115 |
| Equity capital to assets | 23.7035% | 114 |
| Core capital (leverage) ratio | 23.6893% | 105 |
| Tier 1 risk-based capital ratio | 59.6388% | 89 |
| Total risk-based capital ratio | 59.9443% | 90 |
| Memoranda: | ||
| Average total assets | $927,347,200 | 712 |
| Average earning assets | $892,345,000 | 669 |
| Average equity | $216,123,800 | 359 |
| Average total loans | $524,363,600 | 812 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3214% | 6,025 |
| Cost of funding earning assets | 0.7750% | 1,454 |
| Net interest margin | 2.5464% | 6,387 |
| Noninterest income to average assets | 0.0412% | 6,656 |
| Noninterest expense to average assets | 1.9129% | 6,165 |
| Loan and lease loss provision to assets | 0.0217% | 4,571 |
| Net operating income to assets | 0.3404% | 5,465 |
| Return on assets (ROA) | 0.3404% | 5,593 |
| Pretax return on assets | 0.5622% | 5,159 |
| Return on Equity (ROE) | 1.4668% | 6,084 |
| Retained earnings to average equity (ytd only) | 1.4668% | 5,399 |
| Net charge-offs to loans | 0.0642% | 3,997 |
| Credit loss provision to net charge-offs | 60.1594% | 3,295 |
| Earnings coverage of net charge-offs (x) | 16.2151% | 1,819 |
| Efficiency ratio | 76.6159% | 2,628 |
| Assets per employee ($millions) | 7.8489% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2066% | 6,791 |
| Loan loss allowance to noncurrent loans | 67.8899% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 5,904 |
| Noncurrent loans to loans | 0.3044% | 5,467 |
| Net loans and leases to total assets | 57.3945% | 4,103 |
| Net loans and leases to deposits | 75.5439% | 3,021 |
| Net loans and leases to core deposits | 81.1654% | 2,977 |
| Total domestic deposits to total assets | 75.9751% | 6,170 |
| Equity capital to assets | 23.2167% | 114 |
| Core capital (leverage) ratio | 23.2012% | 111 |
| Tier 1 risk-based capital ratio | 59.1322% | 95 |
| Total risk-based capital ratio | 59.4352% | 98 |
| Memoranda: | ||
| Average total assets | $929,471,000 | 714 |
| Average earning assets | $896,307,250 | 666 |
| Average equity | $215,704,750 | 358 |
| Average total loans | $521,629,250 | 821 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3604% | 5,990 |
| Cost of funding earning assets | 0.7896% | 1,472 |
| Net interest margin | 2.5708% | 6,359 |
| Noninterest income to average assets | 0.0442% | 6,687 |
| Noninterest expense to average assets | 1.9173% | 6,191 |
| Loan and lease loss provision to assets | 0.0272% | 4,382 |
| Net operating income to assets | 0.3479% | 5,415 |
| Return on assets (ROA) | 0.3479% | 5,591 |
| Pretax return on assets | 0.5776% | 5,104 |
| Return on Equity (ROE) | 1.4991% | 6,094 |
| Retained earnings to average equity (ytd only) | 1.4991% | 5,270 |
| Net charge-offs to loans | 0.0775% | 3,610 |
| Credit loss provision to net charge-offs | 63.0000% | 2,965 |
| Earnings coverage of net charge-offs (x) | 14.0300% | 1,856 |
| Efficiency ratio | 76.0212% | 2,783 |
| Assets per employee ($millions) | 7.9022% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2173% | 6,830 |
| Loan loss allowance to noncurrent loans | 93.7294% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 6,037 |
| Noncurrent loans to loans | 0.2319% | 5,727 |
| Net loans and leases to total assets | 55.9367% | 4,304 |
| Net loans and leases to deposits | 73.4787% | 3,225 |
| Net loans and leases to core deposits | 79.3183% | 3,111 |
| Total domestic deposits to total assets | 76.1265% | 6,236 |
| Equity capital to assets | 23.1747% | 117 |
| Core capital (leverage) ratio | 23.1587% | 107 |
| Tier 1 risk-based capital ratio | 59.9032% | 89 |
| Total risk-based capital ratio | 60.2184% | 91 |
| Memoranda: | ||
| Average total assets | $927,953,000 | 717 |
| Average earning assets | $894,413,670 | 667 |
| Average equity | $215,323,000 | 356 |
| Average total loans | $516,442,670 | 819 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4254% | 5,883 |
| Cost of funding earning assets | 0.8060% | 1,493 |
| Net interest margin | 2.6194% | 6,343 |
| Noninterest income to average assets | 0.0380% | 6,772 |
| Noninterest expense to average assets | 1.9255% | 6,242 |
| Loan and lease loss provision to assets | 0.0436% | 3,875 |
| Net operating income to assets | 0.3509% | 5,343 |
| Return on assets (ROA) | 0.3509% | 5,485 |
| Pretax return on assets | 0.5924% | 4,973 |
| Return on Equity (ROE) | 1.5111% | 6,082 |
| Retained earnings to average equity (ytd only) | 1.5111% | 5,229 |
| Net charge-offs to loans | 0.0865% | 2,973 |
| Credit loss provision to net charge-offs | 90.9910% | 2,006 |
| Earnings coverage of net charge-offs (x) | 13.2613% | 1,541 |
| Efficiency ratio | 75.1687% | 3,068 |
| Assets per employee ($millions) | 7.9315% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2340% | 6,906 |
| Loan loss allowance to noncurrent loans | 86.5177% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 5,953 |
| Noncurrent loans to loans | 0.2705% | 5,730 |
| Net loans and leases to total assets | 55.1305% | 4,217 |
| Net loans and leases to deposits | 72.4445% | 3,126 |
| Net loans and leases to core deposits | 78.1951% | 3,036 |
| Total domestic deposits to total assets | 76.1003% | 6,354 |
| Equity capital to assets | 23.2042% | 120 |
| Core capital (leverage) ratio | 23.1851% | 109 |
| Tier 1 risk-based capital ratio | 60.6216% | 89 |
| Total risk-based capital ratio | 60.9598% | 89 |
| Memoranda: | ||
| Average total assets | $925,697,500 | 724 |
| Average earning assets | $891,803,500 | 676 |
| Average equity | $214,936,500 | 365 |
| Average total loans | $513,301,000 | 825 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6251% | 6,177 |
| Cost of funding earning assets | 0.9915% | 1,401 |
| Net interest margin | 2.6336% | 6,599 |
| Noninterest income to average assets | 0.0333% | 6,740 |
| Noninterest expense to average assets | 1.8368% | 6,576 |
| Loan and lease loss provision to assets | 0.0813% | 4,683 |
| Net operating income to assets | 0.4340% | 4,953 |
| Return on assets (ROA) | 0.4340% | 5,195 |
| Pretax return on assets | 0.6597% | 4,795 |
| Return on Equity (ROE) | 1.8987% | 5,934 |
| Retained earnings to average equity (ytd only) | 1.8987% | 4,888 |
| Net charge-offs to loans | 0.1069% | 4,597 |
| Credit loss provision to net charge-offs | 135.7271% | 2,047 |
| Earnings coverage of net charge-offs (x) | 12.3734% | 1,934 |
| Efficiency ratio | 71.2558% | 3,577 |
| Assets per employee ($millions) | 7.8255% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2355% | 6,962 |
| Loan loss allowance to noncurrent loans | 64.8099% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 6,012 |
| Noncurrent loans to loans | 0.3634% | 5,579 |
| Net loans and leases to total assets | 55.5105% | 4,378 |
| Net loans and leases to deposits | 72.8455% | 3,277 |
| Net loans and leases to core deposits | 78.4623% | 3,200 |
| Total domestic deposits to total assets | 76.2031% | 6,333 |
| Equity capital to assets | 23.2336% | 119 |
| Core capital (leverage) ratio | 23.2125% | 113 |
| Tier 1 risk-based capital ratio | 60.7138% | 94 |
| Total risk-based capital ratio | 61.0566% | 95 |
| Memoranda: | ||
| Average total assets | $930,131,400 | 708 |
| Average earning assets | $898,655,400 | 658 |
| Average equity | $212,621,200 | 353 |
| Average total loans | $520,852,800 | 793 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6619% | 6,295 |
| Cost of funding earning assets | 1.0236% | 1,430 |
| Net interest margin | 2.6383% | 6,715 |
| Noninterest income to average assets | 0.0412% | 6,829 |
| Noninterest expense to average assets | 1.8089% | 6,673 |
| Loan and lease loss provision to assets | 0.0497% | 5,143 |
| Net operating income to assets | 0.4363% | 5,094 |
| Return on assets (ROA) | 0.4363% | 5,328 |
| Pretax return on assets | 0.7342% | 4,730 |
| Return on Equity (ROE) | 1.9163% | 6,049 |
| Retained earnings to average equity (ytd only) | 1.9163% | 5,375 |
| Net charge-offs to loans | 0.1049% | 4,343 |
| Credit loss provision to net charge-offs | 84.4282% | 3,482 |
| Earnings coverage of net charge-offs (x) | 13.3284% | 1,924 |
| Efficiency ratio | 69.7682% | 3,734 |
| Assets per employee ($millions) | 7.8643% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1829% | 7,082 |
| Loan loss allowance to noncurrent loans | 57.7791% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 6,131 |
| Noncurrent loans to loans | 0.3165% | 5,847 |
| Net loans and leases to total assets | 55.7015% | 4,499 |
| Net loans and leases to deposits | 73.1218% | 3,431 |
| Net loans and leases to core deposits | 78.7425% | 3,359 |
| Total domestic deposits to total assets | 76.1763% | 6,360 |
| Equity capital to assets | 23.0181% | 141 |
| Core capital (leverage) ratio | 22.9926% | 123 |
| Tier 1 risk-based capital ratio | 60.3056% | 95 |
| Total risk-based capital ratio | 60.5733% | 95 |
| Memoranda: | ||
| Average total assets | $931,811,000 | 712 |
| Average earning assets | $901,153,250 | 664 |
| Average equity | $212,141,000 | 353 |
| Average total loans | $522,615,750 | 795 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6908% | 6,350 |
| Cost of funding earning assets | 1.0549% | 1,437 |
| Net interest margin | 2.6358% | 6,792 |
| Noninterest income to average assets | 0.0397% | 6,893 |
| Noninterest expense to average assets | 1.7996% | 6,749 |
| Loan and lease loss provision to assets | 0.0437% | 5,133 |
| Net operating income to assets | 0.4475% | 5,049 |
| Return on assets (ROA) | 0.4475% | 5,278 |
| Pretax return on assets | 0.7487% | 4,661 |
| Return on Equity (ROE) | 1.9730% | 6,046 |
| Retained earnings to average equity (ytd only) | 1.9730% | 5,208 |
| Net charge-offs to loans | 0.1076% | 4,107 |
| Credit loss provision to net charge-offs | 72.3404% | 3,507 |
| Earnings coverage of net charge-offs (x) | 13.1099% | 1,819 |
| Efficiency ratio | 69.4286% | 3,864 |
| Assets per employee ($millions) | 7.9524% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1781% | 7,151 |
| Loan loss allowance to noncurrent loans | 57.3096% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 6,210 |
| Noncurrent loans to loans | 0.3108% | 5,932 |
| Net loans and leases to total assets | 56.2021% | 4,436 |
| Net loans and leases to deposits | 73.5236% | 3,373 |
| Net loans and leases to core deposits | 79.1926% | 3,339 |
| Total domestic deposits to total assets | 76.4408% | 6,402 |
| Equity capital to assets | 22.8568% | 133 |
| Core capital (leverage) ratio | 22.8352% | 120 |
| Tier 1 risk-based capital ratio | 59.5428% | 97 |
| Total risk-based capital ratio | 59.8044% | 98 |
| Memoranda: | ||
| Average total assets | $933,083,670 | 713 |
| Average earning assets | $903,551,000 | 662 |
| Average equity | $211,652,670 | 347 |
| Average total loans | $524,203,330 | 788 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7154% | 6,414 |
| Cost of funding earning assets | 1.1038% | 1,388 |
| Net interest margin | 2.6116% | 6,867 |
| Noninterest income to average assets | 0.0424% | 6,965 |
| Noninterest expense to average assets | 1.7714% | 6,826 |
| Loan and lease loss provision to assets | 0.0437% | 4,854 |
| Net operating income to assets | 0.4555% | 5,012 |
| Return on assets (ROA) | 0.4555% | 5,202 |
| Pretax return on assets | 0.7615% | 4,566 |
| Return on Equity (ROE) | 2.0157% | 6,071 |
| Retained earnings to average equity (ytd only) | 2.0157% | 5,258 |
| Net charge-offs to loans | 0.0168% | 4,449 |
| Credit loss provision to net charge-offs | 463.6364% | 698 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 398 |
| Efficiency ratio | 68.7490% | 4,030 |
| Assets per employee ($millions) | 8.0337% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2086% | 7,202 |
| Loan loss allowance to noncurrent loans | 53.4280% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 0.2211% | 6,333 |
| Noncurrent loans to loans | 0.3904% | 5,894 |
| Net loans and leases to total assets | 56.0062% | 4,384 |
| Net loans and leases to deposits | 73.1616% | 3,254 |
| Net loans and leases to core deposits | 78.7885% | 3,212 |
| Total domestic deposits to total assets | 76.5513% | 6,480 |
| Equity capital to assets | 22.7129% | 131 |
| Core capital (leverage) ratio | 22.6899% | 125 |
| Tier 1 risk-based capital ratio | 61.0447% | 92 |
| Total risk-based capital ratio | 61.3598% | 93 |
| Memoranda: | ||
| Average total assets | $934,411,500 | 708 |
| Average earning assets | $906,714,500 | 663 |
| Average equity | $211,146,000 | 345 |
| Average total loans | $524,378,500 | 795 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7973% | 6,734 |
| Cost of funding earning assets | 1.3041% | 1,469 |
| Net interest margin | 2.4931% | 7,062 |
| Noninterest income to average assets | 0.0386% | 6,880 |
| Noninterest expense to average assets | 1.7251% | 7,037 |
| Loan and lease loss provision to assets | 0.0563% | 5,893 |
| Net operating income to assets | 0.4187% | 4,779 |
| Return on assets (ROA) | 0.4187% | 4,966 |
| Pretax return on assets | 0.6881% | 4,368 |
| Return on Equity (ROE) | 1.8653% | 5,712 |
| Retained earnings to average equity (ytd only) | 1.8653% | 4,884 |
| Net charge-offs to loans | 0.0786% | 5,537 |
| Credit loss provision to net charge-offs | 126.0241% | 2,476 |
| Earnings coverage of net charge-offs (x) | 16.6723% | 1,310 |
| Efficiency ratio | 68.8682% | 4,178 |
| Assets per employee ($millions) | 8.0079% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1672% | 7,264 |
| Loan loss allowance to noncurrent loans | 41.6785% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 6,374 |
| Noncurrent loans to loans | 0.4011% | 5,912 |
| Net loans and leases to total assets | 56.0201% | 4,702 |
| Net loans and leases to deposits | 72.9052% | 3,679 |
| Net loans and leases to core deposits | 78.4641% | 3,629 |
| Total domestic deposits to total assets | 76.8396% | 6,360 |
| Equity capital to assets | 22.4811% | 145 |
| Core capital (leverage) ratio | 22.4268% | 132 |
| Tier 1 risk-based capital ratio | 62.1428% | 87 |
| Total risk-based capital ratio | 62.4889% | 88 |
| Memoranda: | ||
| Average total assets | $929,488,600 | 697 |
| Average earning assets | $906,286,400 | 653 |
| Average equity | $208,654,200 | 340 |
| Average total loans | $527,963,000 | 791 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7962% | 6,842 |
| Cost of funding earning assets | 1.3350% | 1,526 |
| Net interest margin | 2.4612% | 7,152 |
| Noninterest income to average assets | 0.0390% | 6,988 |
| Noninterest expense to average assets | 1.6978% | 7,099 |
| Loan and lease loss provision to assets | 0.0407% | 5,930 |
| Net operating income to assets | 0.4194% | 4,909 |
| Return on assets (ROA) | 0.4194% | 5,100 |
| Pretax return on assets | 0.7016% | 4,475 |
| Return on Equity (ROE) | 1.8690% | 5,823 |
| Retained earnings to average equity (ytd only) | 1.8690% | 5,208 |
| Net charge-offs to loans | 0.0492% | 5,498 |
| Credit loss provision to net charge-offs | 145.1282% | 2,182 |
| Earnings coverage of net charge-offs (x) | 26.4824% | 1,017 |
| Efficiency ratio | 68.6381% | 4,187 |
| Assets per employee ($millions) | 7.9388% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1629% | 7,343 |
| Loan loss allowance to noncurrent loans | 39.3967% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 6,451 |
| Noncurrent loans to loans | 0.4134% | 6,017 |
| Net loans and leases to total assets | 56.4001% | 4,778 |
| Net loans and leases to deposits | 73.4980% | 3,722 |
| Net loans and leases to core deposits | 78.7052% | 3,802 |
| Total domestic deposits to total assets | 76.7369% | 6,417 |
| Equity capital to assets | 22.3806% | 158 |
| Core capital (leverage) ratio | 22.3215% | 145 |
| Tier 1 risk-based capital ratio | 62.1472% | 102 |
| Total risk-based capital ratio | 62.4900% | 101 |
| Memoranda: | ||
| Average total assets | $927,631,000 | 711 |
| Average earning assets | $904,951,500 | 664 |
| Average equity | $208,160,250 | 342 |
| Average total loans | $528,518,250 | 801 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8213% | 6,896 |
| Cost of funding earning assets | 1.3576% | 1,611 |
| Net interest margin | 2.4638% | 7,206 |
| Noninterest income to average assets | 0.0387% | 7,085 |
| Noninterest expense to average assets | 1.7041% | 7,177 |
| Loan and lease loss provision to assets | 0.0368% | 5,858 |
| Net operating income to assets | 0.4214% | 4,850 |
| Return on assets (ROA) | 0.4214% | 5,002 |
| Pretax return on assets | 0.7024% | 4,378 |
| Return on Equity (ROE) | 1.8761% | 5,832 |
| Retained earnings to average equity (ytd only) | 1.8761% | 5,042 |
| Net charge-offs to loans | 0.0526% | 5,125 |
| Credit loss provision to net charge-offs | 122.3022% | 2,488 |
| Earnings coverage of net charge-offs (x) | 24.5827% | 1,059 |
| Efficiency ratio | 68.7826% | 4,370 |
| Assets per employee ($millions) | 7.9892% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1507% | 7,409 |
| Loan loss allowance to noncurrent loans | 59.5840% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 6,571 |
| Noncurrent loans to loans | 0.2530% | 6,415 |
| Net loans and leases to total assets | 57.3197% | 4,762 |
| Net loans and leases to deposits | 74.7607% | 3,681 |
| Net loans and leases to core deposits | 80.4979% | 3,717 |
| Total domestic deposits to total assets | 76.6708% | 6,499 |
| Equity capital to assets | 22.5154% | 164 |
| Core capital (leverage) ratio | 22.4638% | 145 |
| Tier 1 risk-based capital ratio | 61.6114% | 101 |
| Total risk-based capital ratio | 61.9290% | 103 |
| Memoranda: | ||
| Average total assets | $924,581,670 | 722 |
| Average earning assets | $902,353,000 | 674 |
| Average equity | $207,661,330 | 343 |
| Average total loans | $528,289,000 | 815 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8543% | 6,886 |
| Cost of funding earning assets | 1.3764% | 1,735 |
| Net interest margin | 2.4779% | 7,212 |
| Noninterest income to average assets | 0.0390% | 7,189 |
| Noninterest expense to average assets | 1.6936% | 7,235 |
| Loan and lease loss provision to assets | 0.0303% | 5,587 |
| Net operating income to assets | 0.4444% | 4,747 |
| Return on assets (ROA) | 0.4444% | 4,829 |
| Pretax return on assets | 0.7355% | 4,164 |
| Return on Equity (ROE) | 1.9811% | 5,793 |
| Retained earnings to average equity (ytd only) | 1.9811% | 4,939 |
| Net charge-offs to loans | 0.0486% | 4,454 |
| Credit loss provision to net charge-offs | 109.3750% | 2,441 |
| Earnings coverage of net charge-offs (x) | 27.6250% | 889 |
| Efficiency ratio | 67.9112% | 4,673 |
| Assets per employee ($millions) | 7.9867% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1568% | 7,462 |
| Loan loss allowance to noncurrent loans | 43.1088% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 6,618 |
| Noncurrent loans to loans | 0.3638% | 6,266 |
| Net loans and leases to total assets | 57.1716% | 4,771 |
| Net loans and leases to deposits | 74.4954% | 3,683 |
| Net loans and leases to core deposits | 80.1176% | 3,739 |
| Total domestic deposits to total assets | 76.7452% | 6,573 |
| Equity capital to assets | 22.4151% | 160 |
| Core capital (leverage) ratio | 22.3682% | 154 |
| Tier 1 risk-based capital ratio | 62.0338% | 97 |
| Total risk-based capital ratio | 62.3475% | 101 |
| Memoranda: | ||
| Average total assets | $923,500,000 | 727 |
| Average earning assets | $902,064,500 | 673 |
| Average equity | $207,162,000 | 341 |
| Average total loans | $526,429,000 | 821 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1404% | 7,001 |
| Cost of funding earning assets | 1.5490% | 2,355 |
| Net interest margin | 2.5913% | 7,211 |
| Noninterest income to average assets | 0.0353% | 7,176 |
| Noninterest expense to average assets | 1.7186% | 7,339 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5565% | 3,866 |
| Return on assets (ROA) | 0.5565% | 4,018 |
| Pretax return on assets | 0.8453% | 3,482 |
| Return on Equity (ROE) | 2.4932% | 5,187 |
| Retained earnings to average equity (ytd only) | 2.4932% | 4,129 |
| Net charge-offs to loans | 0.0929% | 5,923 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 15.6775% | 1,266 |
| Efficiency ratio | 66.0979% | 4,952 |
| Assets per employee ($millions) | 7.9357% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1545% | 7,542 |
| Loan loss allowance to noncurrent loans | 33.4716% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 6,549 |
| Noncurrent loans to loans | 0.4616% | 6,123 |
| Net loans and leases to total assets | 56.6566% | 5,235 |
| Net loans and leases to deposits | 73.7073% | 4,243 |
| Net loans and leases to core deposits | 79.3776% | 4,294 |
| Total domestic deposits to total assets | 76.8670% | 6,503 |
| Equity capital to assets | 22.4495% | 168 |
| Core capital (leverage) ratio | 22.4005% | 161 |
| Tier 1 risk-based capital ratio | 62.6482% | 99 |
| Total risk-based capital ratio | 62.9632% | 97 |
| Memoranda: | ||
| Average total assets | $914,389,000 | 737 |
| Average earning assets | $892,240,400 | 677 |
| Average equity | $204,114,800 | 344 |
| Average total loans | $530,757,000 | 845 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1928% | 7,098 |
| Cost of funding earning assets | 1.5746% | 2,533 |
| Net interest margin | 2.6183% | 7,302 |
| Noninterest income to average assets | 0.0330% | 7,358 |
| Noninterest expense to average assets | 1.6911% | 7,444 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5556% | 4,074 |
| Return on assets (ROA) | 0.5556% | 4,240 |
| Pretax return on assets | 0.8962% | 3,571 |
| Return on Equity (ROE) | 2.4926% | 5,434 |
| Retained earnings to average equity (ytd only) | 2.4926% | 4,676 |
| Net charge-offs to loans | 0.0560% | 5,957 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 27.3928% | 935 |
| Efficiency ratio | 64.4123% | 5,173 |
| Assets per employee ($millions) | 8.0391% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2045% | 7,639 |
| Loan loss allowance to noncurrent loans | 38.1967% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 6,552 |
| Noncurrent loans to loans | 0.5353% | 6,135 |
| Net loans and leases to total assets | 56.8059% | 5,440 |
| Net loans and leases to deposits | 73.9481% | 4,519 |
| Net loans and leases to core deposits | 79.6717% | 4,567 |
| Total domestic deposits to total assets | 76.8187% | 6,523 |
| Equity capital to assets | 22.2183% | 189 |
| Core capital (leverage) ratio | 22.1675% | 172 |
| Tier 1 risk-based capital ratio | 62.4154% | 100 |
| Total risk-based capital ratio | 62.8211% | 103 |
| Memoranda: | ||
| Average total assets | $912,849,750 | 738 |
| Average earning assets | $890,542,750 | 672 |
| Average equity | $203,479,000 | 343 |
| Average total loans | $532,857,000 | 851 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2546% | 7,110 |
| Cost of funding earning assets | 1.6025% | 2,639 |
| Net interest margin | 2.6521% | 7,303 |
| Noninterest income to average assets | 0.0345% | 7,414 |
| Noninterest expense to average assets | 1.6920% | 7,505 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5765% | 3,968 |
| Return on assets (ROA) | 0.5765% | 4,108 |
| Pretax return on assets | 0.9298% | 3,389 |
| Return on Equity (ROE) | 2.5834% | 5,422 |
| Retained earnings to average equity (ytd only) | 2.5834% | 4,500 |
| Net charge-offs to loans | 0.0273% | 5,948 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 57.8904% | 530 |
| Efficiency ratio | 63.5532% | 5,421 |
| Assets per employee ($millions) | 8.0616% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2290% | 7,693 |
| Loan loss allowance to noncurrent loans | 77.3644% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 6,926 |
| Noncurrent loans to loans | 0.2960% | 6,637 |
| Net loans and leases to total assets | 58.6856% | 5,302 |
| Net loans and leases to deposits | 76.5203% | 4,235 |
| Net loans and leases to core deposits | 82.3083% | 4,371 |
| Total domestic deposits to total assets | 76.6929% | 6,564 |
| Equity capital to assets | 22.4204% | 184 |
| Core capital (leverage) ratio | 22.3635% | 167 |
| Tier 1 risk-based capital ratio | 61.4662% | 104 |
| Total risk-based capital ratio | 61.9181% | 105 |
| Memoranda: | ||
| Average total assets | $908,966,330 | 737 |
| Average earning assets | $886,759,000 | 675 |
| Average equity | $202,836,000 | 343 |
| Average total loans | $535,060,330 | 854 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2745% | 7,172 |
| Cost of funding earning assets | 1.6368% | 2,729 |
| Net interest margin | 2.6377% | 7,354 |
| Noninterest income to average assets | 0.0330% | 7,544 |
| Noninterest expense to average assets | 1.6957% | 7,581 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5643% | 4,060 |
| Return on assets (ROA) | 0.5643% | 4,206 |
| Pretax return on assets | 0.9102% | 3,426 |
| Return on Equity (ROE) | 2.5350% | 5,543 |
| Retained earnings to average equity (ytd only) | 2.5350% | 4,610 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0575% | 5,485 |
| Assets per employee ($millions) | 8.1878% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2431% | 7,793 |
| Loan loss allowance to noncurrent loans | 76.1264% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 7,002 |
| Noncurrent loans to loans | 0.3193% | 6,662 |
| Net loans and leases to total assets | 58.7407% | 5,315 |
| Net loans and leases to deposits | 76.5960% | 4,303 |
| Net loans and leases to core deposits | 82.1578% | 4,467 |
| Total domestic deposits to total assets | 76.6891% | 6,626 |
| Equity capital to assets | 22.3129% | 199 |
| Core capital (leverage) ratio | 22.2597% | 180 |
| Tier 1 risk-based capital ratio | 61.4042% | 103 |
| Total risk-based capital ratio | 61.8550% | 105 |
| Memoranda: | ||
| Average total assets | $907,969,000 | 754 |
| Average earning assets | $885,628,500 | 694 |
| Average equity | $202,133,500 | 347 |
| Average total loans | $534,675,500 | 879 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7123% | 7,120 |
| Cost of funding earning assets | 2.0954% | 2,484 |
| Net interest margin | 2.6169% | 7,318 |
| Noninterest income to average assets | 0.0372% | 7,564 |
| Noninterest expense to average assets | 1.7415% | 7,664 |
| Loan and lease loss provision to assets | 0.0293% | 7,229 |
| Net operating income to assets | 0.4654% | 3,877 |
| Return on assets (ROA) | 0.4654% | 3,991 |
| Pretax return on assets | 0.7634% | 3,363 |
| Return on Equity (ROE) | 2.0681% | 4,877 |
| Retained earnings to average equity (ytd only) | 2.0681% | 3,655 |
| Net charge-offs to loans | 0.0675% | 6,438 |
| Credit loss provision to net charge-offs | 72.8291% | 6,436 |
| Earnings coverage of net charge-offs (x) | 19.6835% | 1,069 |
| Efficiency ratio | 67.6816% | 5,065 |
| Assets per employee ($millions) | 8.3219% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2434% | 7,862 |
| Loan loss allowance to noncurrent loans | 114.1352% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 7,120 |
| Noncurrent loans to loans | 0.2132% | 6,895 |
| Net loans and leases to total assets | 58.7468% | 5,529 |
| Net loans and leases to deposits | 76.3322% | 4,679 |
| Net loans and leases to core deposits | 112.4868% | 2,646 |
| Total domestic deposits to total assets | 76.9619% | 6,489 |
| Equity capital to assets | 22.2114% | 220 |
| Core capital (leverage) ratio | 22.1552% | 204 |
| Tier 1 risk-based capital ratio | 61.0224% | 110 |
| Total risk-based capital ratio | 61.4655% | 111 |
| Memoranda: | ||
| Average total assets | $886,420,400 | 763 |
| Average earning assets | $845,816,400 | 718 |
| Average equity | $199,463,200 | 350 |
| Average total loans | $529,015,600 | 904 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8122% | 7,099 |
| Cost of funding earning assets | 2.1897% | 2,457 |
| Net interest margin | 2.6225% | 7,327 |
| Noninterest income to average assets | 0.0390% | 7,693 |
| Noninterest expense to average assets | 1.7183% | 7,742 |
| Loan and lease loss provision to assets | 0.0189% | 7,161 |
| Net operating income to assets | 0.4828% | 4,064 |
| Return on assets (ROA) | 0.4828% | 4,157 |
| Pretax return on assets | 0.7902% | 3,571 |
| Return on Equity (ROE) | 2.1384% | 5,117 |
| Retained earnings to average equity (ytd only) | 2.1384% | 4,131 |
| Net charge-offs to loans | 0.0763% | 5,921 |
| Credit loss provision to net charge-offs | 41.3907% | 6,408 |
| Earnings coverage of net charge-offs (x) | 17.7085% | 1,390 |
| Efficiency ratio | 66.9500% | 5,198 |
| Assets per employee ($millions) | 8.1838% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2272% | 7,962 |
| Loan loss allowance to noncurrent loans | 134.6578% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 7,228 |
| Noncurrent loans to loans | 0.1687% | 7,066 |
| Net loans and leases to total assets | 59.5071% | 5,664 |
| Net loans and leases to deposits | 77.6147% | 4,795 |
| Net loans and leases to core deposits | 114.3022% | 2,802 |
| Total domestic deposits to total assets | 76.6699% | 6,432 |
| Equity capital to assets | 22.2824% | 240 |
| Core capital (leverage) ratio | 22.2175% | 230 |
| Tier 1 risk-based capital ratio | 61.3213% | 112 |
| Total risk-based capital ratio | 61.7550% | 115 |
| Memoranda: | ||
| Average total assets | $881,253,000 | 778 |
| Average earning assets | $836,189,750 | 744 |
| Average equity | $198,959,750 | 365 |
| Average total loans | $527,723,000 | 918 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9364% | 6,951 |
| Cost of funding earning assets | 2.3178% | 2,286 |
| Net interest margin | 2.6186% | 7,334 |
| Noninterest income to average assets | 0.0439% | 7,763 |
| Noninterest expense to average assets | 1.7082% | 7,822 |
| Loan and lease loss provision to assets | 0.0114% | 7,099 |
| Net operating income to assets | 0.4816% | 4,168 |
| Return on assets (ROA) | 0.4816% | 4,282 |
| Pretax return on assets | 0.7838% | 3,725 |
| Return on Equity (ROE) | 2.1238% | 5,250 |
| Retained earnings to average equity (ytd only) | 2.1238% | 4,163 |
| Net charge-offs to loans | 0.0957% | 5,218 |
| Credit loss provision to net charge-offs | 19.9203% | 6,129 |
| Earnings coverage of net charge-offs (x) | 13.8606% | 1,701 |
| Efficiency ratio | 67.1749% | 5,324 |
| Assets per employee ($millions) | 8.1056% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2267% | 8,050 |
| Loan loss allowance to noncurrent loans | 86.6667% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 7,073 |
| Noncurrent loans to loans | 0.2616% | 6,869 |
| Net loans and leases to total assets | 59.0246% | 5,843 |
| Net loans and leases to deposits | 77.0069% | 5,027 |
| Net loans and leases to core deposits | 111.9665% | 3,137 |
| Total domestic deposits to total assets | 76.6485% | 6,404 |
| Equity capital to assets | 22.3639% | 271 |
| Core capital (leverage) ratio | 22.3041% | 268 |
| Tier 1 risk-based capital ratio | 61.8630% | 130 |
| Total risk-based capital ratio | 62.2706% | 131 |
| Memoranda: | ||
| Average total assets | $874,932,670 | 802 |
| Average earning assets | $821,816,000 | 775 |
| Average equity | $198,416,670 | 367 |
| Average total loans | $524,660,330 | 940 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1055% | 6,627 |
| Cost of funding earning assets | 2.4592% | 2,071 |
| Net interest margin | 2.6463% | 7,302 |
| Noninterest income to average assets | 0.0480% | 7,844 |
| Noninterest expense to average assets | 1.6723% | 7,851 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5022% | 4,408 |
| Return on assets (ROA) | 0.5022% | 4,598 |
| Pretax return on assets | 0.8101% | 4,040 |
| Return on Equity (ROE) | 2.1988% | 5,705 |
| Retained earnings to average equity (ytd only) | 2.1988% | 4,650 |
| Net charge-offs to loans | 0.0069% | 5,590 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 195.0000% | 219 |
| Efficiency ratio | 66.2700% | 5,277 |
| Assets per employee ($millions) | 8.1485% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2663% | 8,056 |
| Loan loss allowance to noncurrent loans | 72.7082% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 6,863 |
| Noncurrent loans to loans | 0.3662% | 6,512 |
| Net loans and leases to total assets | 59.0746% | 5,800 |
| Net loans and leases to deposits | 77.2726% | 5,043 |
| Net loans and leases to core deposits | 87.3053% | 5,806 |
| Total domestic deposits to total assets | 76.4496% | 6,421 |
| Equity capital to assets | 22.5559% | 291 |
| Core capital (leverage) ratio | 22.4828% | 295 |
| Tier 1 risk-based capital ratio | 61.2487% | 137 |
| Total risk-based capital ratio | 61.7419% | 137 |
| Memoranda: | ||
| Average total assets | $866,588,500 | 811 |
| Average earning assets | $797,178,500 | 801 |
| Average equity | $197,924,500 | 370 |
| Average total loans | $523,254,500 | 952 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0221% | 7,823 |
| Cost of funding earning assets | 2.6216% | 3,574 |
| Net interest margin | 2.4005% | 7,851 |
| Noninterest income to average assets | 0.0499% | 7,892 |
| Noninterest expense to average assets | 1.5738% | 7,986 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5514% | 4,523 |
| Return on assets (ROA) | 0.6267% | 4,048 |
| Pretax return on assets | 0.9159% | 3,672 |
| Return on Equity (ROE) | 2.6736% | 5,352 |
| Retained earnings to average equity (ytd only) | 2.6736% | 3,511 |
| Net charge-offs to loans | 0.0128% | 6,735 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 101.9848% | 427 |
| Efficiency ratio | 64.9804% | 5,331 |
| Assets per employee ($millions) | 7.9733% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2660% | 8,113 |
| Loan loss allowance to noncurrent loans | 193.2227% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 7,183 |
| Noncurrent loans to loans | 0.1377% | 7,000 |
| Net loans and leases to total assets | 61.4021% | 5,712 |
| Net loans and leases to deposits | 80.7828% | 4,910 |
| Net loans and leases to core deposits | 116.2165% | 3,100 |
| Total domestic deposits to total assets | 76.0089% | 6,237 |
| Equity capital to assets | 23.1321% | 309 |
| Core capital (leverage) ratio | 23.0565% | 307 |
| Tier 1 risk-based capital ratio | 59.5483% | 155 |
| Total risk-based capital ratio | 60.0190% | 157 |
| Memoranda: | ||
| Average total assets | $835,864,000 | 809 |
| Average earning assets | $811,030,400 | 751 |
| Average equity | $195,918,400 | 379 |
| Average total loans | $516,223,400 | 923 |