Home > Plumas Bank > Performance and Condition Ratios
Plumas Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6162% | 1,917 |
| Cost of funding earning assets | 0.6605% | 4,249 |
| Net interest margin | 4.9557% | 355 |
| Noninterest income to average assets | 1.6900% | 307 |
| Noninterest expense to average assets | 2.5323% | 2,217 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 2.7585% | 172 |
| Return on assets (ROA) | 1.8013% | 543 |
| Pretax return on assets | 2.4618% | 311 |
| Return on Equity (ROE) | 17.2000% | 650 |
| Retained earnings to average equity (ytd only) | 11.3636% | 381 |
| Net charge-offs to loans | 0.1053% | 1,137 |
| Credit loss provision to net charge-offs | 131.4532% | 1,546 |
| Earnings coverage of net charge-offs (x) | 58.5822% | 1,117 |
| Efficiency ratio | 40.1354% | 4,324 |
| Assets per employee ($millions) | 8.8686% | 1,109 |
| Cash dividends to net income (ytd only)* | 33.9420% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 1,696 |
| Loan loss allowance to noncurrent loans | 321.4616% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 2,230 |
| Noncurrent loans to loans | 0.4030% | 2,077 |
| Net loans and leases to total assets | 61.9500% | 2,768 |
| Net loans and leases to deposits | 72.6763% | 2,751 |
| Net loans and leases to core deposits | 74.8080% | 3,106 |
| Total domestic deposits to total assets | 85.2400% | 2,448 |
| Equity capital to assets | 11.1367% | 1,530 |
| Core capital (leverage) ratio | 11.9245% | 1,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4501% | 828 |
| Memoranda: | ||
| Average total assets | $1,635,582,800 | 686 |
| Average earning assets | $1,512,999,200 | 674 |
| Average equity | $171,266,400 | 645 |
| Average total loans | $993,323,000 | 762 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5839% | 1,930 |
| Cost of funding earning assets | 0.6889% | 4,263 |
| Net interest margin | 4.8950% | 378 |
| Noninterest income to average assets | 2.1000% | 240 |
| Noninterest expense to average assets | 2.5209% | 2,183 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 3.0253% | 142 |
| Return on assets (ROA) | 1.7515% | 640 |
| Pretax return on assets | 2.3878% | 374 |
| Return on Equity (ROE) | 16.9900% | 685 |
| Retained earnings to average equity (ytd only) | 11.0739% | 639 |
| Net charge-offs to loans | 0.0994% | 990 |
| Credit loss provision to net charge-offs | 200.4076% | 1,081 |
| Earnings coverage of net charge-offs (x) | 68.6291% | 1,016 |
| Efficiency ratio | 37.8318% | 4,376 |
| Assets per employee ($millions) | 8.8017% | 1,137 |
| Cash dividends to net income (ytd only)* | 34.8384% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 1,514 |
| Loan loss allowance to noncurrent loans | 305.4097% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 2,119 |
| Noncurrent loans to loans | 0.4425% | 1,972 |
| Net loans and leases to total assets | 59.7000% | 2,949 |
| Net loans and leases to deposits | 72.9026% | 2,758 |
| Net loans and leases to core deposits | 75.2665% | 3,105 |
| Total domestic deposits to total assets | 81.8900% | 3,135 |
| Equity capital to assets | 11.1601% | 1,652 |
| Core capital (leverage) ratio | 11.3119% | 1,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1801% | 899 |
| Memoranda: | ||
| Average total assets | $1,638,739,000 | 678 |
| Average earning assets | $1,517,123,000 | 669 |
| Average equity | $168,897,000 | 645 |
| Average total loans | $987,011,000 | 761 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4988% | 1,976 |
| Cost of funding earning assets | 0.6636% | 4,278 |
| Net interest margin | 4.8352% | 405 |
| Noninterest income to average assets | 2.9200% | 189 |
| Noninterest expense to average assets | 2.5010% | 2,241 |
| Loan and lease loss provision to assets | 0.2100% | 514 |
| Net operating income to assets | 3.5740% | 109 |
| Return on assets (ROA) | 1.6528% | 735 |
| Pretax return on assets | 2.2496% | 449 |
| Return on Equity (ROE) | 16.5000% | 763 |
| Retained earnings to average equity (ytd only) | 10.3777% | 796 |
| Net charge-offs to loans | 0.1244% | 764 |
| Credit loss provision to net charge-offs | 299.1803% | 822 |
| Earnings coverage of net charge-offs (x) | 65.4295% | 976 |
| Efficiency ratio | 33.6429% | 4,441 |
| Assets per employee ($millions) | 8.8735% | 1,052 |
| Cash dividends to net income (ytd only)* | 37.1085% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 1,351 |
| Loan loss allowance to noncurrent loans | 156.9200% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.5552% | 1,228 |
| Noncurrent loans to loans | 0.8969% | 1,053 |
| Net loans and leases to total assets | 60.0900% | 2,945 |
| Net loans and leases to deposits | 75.0118% | 2,621 |
| Net loans and leases to core deposits | 77.3916% | 2,957 |
| Total domestic deposits to total assets | 80.1100% | 3,427 |
| Equity capital to assets | 10.3324% | 1,897 |
| Core capital (leverage) ratio | 11.3064% | 1,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6068% | 990 |
| Memoranda: | ||
| Average total assets | $1,630,476,000 | 685 |
| Average earning assets | $1,510,141,000 | 674 |
| Average equity | $163,312,333 | 663 |
| Average total loans | $980,456,000 | 764 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3567% | 2,088 |
| Cost of funding earning assets | 0.6412% | 4,292 |
| Net interest margin | 4.7156% | 457 |
| Noninterest income to average assets | 5.3600% | 128 |
| Noninterest expense to average assets | 2.5131% | 2,204 |
| Loan and lease loss provision to assets | 0.2000% | 510 |
| Net operating income to assets | 5.4397% | 67 |
| Return on assets (ROA) | 1.5841% | 803 |
| Pretax return on assets | 2.1402% | 528 |
| Return on Equity (ROE) | 16.0700% | 834 |
| Retained earnings to average equity (ytd only) | 9.8277% | 1,152 |
| Net charge-offs to loans | 0.2514% | 371 |
| Credit loss provision to net charge-offs | 147.5410% | 949 |
| Earnings coverage of net charge-offs (x) | 48.1000% | 974 |
| Efficiency ratio | 25.6839% | 4,487 |
| Assets per employee ($millions) | 9.0091% | 1,014 |
| Cash dividends to net income (ytd only)* | 38.8500% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 1,593 |
| Loan loss allowance to noncurrent loans | 234.5276% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 1,666 |
| Noncurrent loans to loans | 0.5729% | 1,498 |
| Net loans and leases to total assets | 58.9200% | 2,971 |
| Net loans and leases to deposits | 73.7954% | 2,618 |
| Net loans and leases to core deposits | 75.8025% | 2,992 |
| Total domestic deposits to total assets | 79.8500% | 3,542 |
| Equity capital to assets | 10.1657% | 1,907 |
| Core capital (leverage) ratio | 11.0270% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3655% | 1,026 |
| Memoranda: | ||
| Average total assets | $1,624,911,500 | 693 |
| Average earning assets | $1,508,454,000 | 681 |
| Average equity | $160,160,000 | 673 |
| Average total loans | $970,384,500 | 773 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0839% | 1,891 |
| Cost of funding earning assets | 0.2902% | 4,381 |
| Net interest margin | 4.7937% | 421 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.3248% | 2,787 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.8385% | 578 |
| Return on assets (ROA) | 1.8385% | 563 |
| Pretax return on assets | 2.4851% | 346 |
| Return on Equity (ROE) | 21.5300% | 498 |
| Retained earnings to average equity (ytd only) | 16.0079% | 270 |
| Net charge-offs to loans | 0.1016% | 896 |
| Credit loss provision to net charge-offs | 269.9161% | 1,016 |
| Earnings coverage of net charge-offs (x) | 44.3470% | 1,371 |
| Efficiency ratio | 46.3431% | 4,184 |
| Assets per employee ($millions) | 9.2009% | 921 |
| Cash dividends to net income (ytd only)* | 25.6445% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 1,617 |
| Loan loss allowance to noncurrent loans | 266.9502% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3215% | 1,657 |
| Noncurrent loans to loans | 0.5013% | 1,533 |
| Net loans and leases to total assets | 58.9100% | 2,959 |
| Net loans and leases to deposits | 70.9362% | 2,822 |
| Net loans and leases to core deposits | 72.8067% | 3,137 |
| Total domestic deposits to total assets | 83.0500% | 2,881 |
| Equity capital to assets | 9.5417% | 2,320 |
| Core capital (leverage) ratio | 10.8033% | 2,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9194% | 1,089 |
| Memoranda: | ||
| Average total assets | $1,590,776,800 | 686 |
| Average earning assets | $1,477,452,400 | 672 |
| Average equity | $135,845,800 | 730 |
| Average total loans | $939,382,000 | 761 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0176% | 1,796 |
| Cost of funding earning assets | 0.2290% | 4,416 |
| Net interest margin | 4.7886% | 416 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.2973% | 2,798 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 1.8136% | 650 |
| Return on assets (ROA) | 1.8136% | 644 |
| Pretax return on assets | 2.4526% | 402 |
| Return on Equity (ROE) | 21.8900% | 569 |
| Retained earnings to average equity (ytd only) | 16.3083% | 440 |
| Net charge-offs to loans | 0.1034% | 766 |
| Credit loss provision to net charge-offs | 334.9448% | 821 |
| Earnings coverage of net charge-offs (x) | 43.9890% | 1,393 |
| Efficiency ratio | 45.8732% | 4,142 |
| Assets per employee ($millions) | 8.7389% | 1,029 |
| Cash dividends to net income (ytd only)* | 25.4960% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 1,662 |
| Loan loss allowance to noncurrent loans | 299.0760% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 1,798 |
| Noncurrent loans to loans | 0.4502% | 1,695 |
| Net loans and leases to total assets | 60.3100% | 2,810 |
| Net loans and leases to deposits | 67.4794% | 3,014 |
| Net loans and leases to core deposits | 69.0808% | 3,263 |
| Total domestic deposits to total assets | 89.3800% | 1,124 |
| Equity capital to assets | 8.0553% | 3,019 |
| Core capital (leverage) ratio | 10.6328% | 2,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3009% | 1,245 |
| Memoranda: | ||
| Average total assets | $1,585,931,000 | 690 |
| Average earning assets | $1,472,651,500 | 678 |
| Average equity | $131,398,250 | 752 |
| Average total loans | $933,859,750 | 770 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9019% | 1,757 |
| Cost of funding earning assets | 0.1812% | 4,449 |
| Net interest margin | 4.7207% | 445 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.2628% | 2,907 |
| Loan and lease loss provision to assets | 0.3600% | 244 |
| Net operating income to assets | 1.6935% | 793 |
| Return on assets (ROA) | 1.6935% | 797 |
| Pretax return on assets | 2.2827% | 481 |
| Return on Equity (ROE) | 20.2500% | 686 |
| Retained earnings to average equity (ytd only) | 14.9894% | 562 |
| Net charge-offs to loans | 0.0889% | 733 |
| Credit loss provision to net charge-offs | 620.4380% | 564 |
| Earnings coverage of net charge-offs (x) | 51.1557% | 1,277 |
| Efficiency ratio | 45.8031% | 4,172 |
| Assets per employee ($millions) | 8.9383% | 930 |
| Cash dividends to net income (ytd only)* | 25.9933% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 1,426 |
| Loan loss allowance to noncurrent loans | 140.3776% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.6114% | 880 |
| Noncurrent loans to loans | 1.0161% | 743 |
| Net loans and leases to total assets | 58.8000% | 2,884 |
| Net loans and leases to deposits | 66.1602% | 3,048 |
| Net loans and leases to core deposits | 67.7987% | 3,243 |
| Total domestic deposits to total assets | 88.8800% | 1,298 |
| Equity capital to assets | 8.6345% | 2,756 |
| Core capital (leverage) ratio | 10.3386% | 2,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2328% | 1,275 |
| Memoranda: | ||
| Average total assets | $1,590,238,667 | 677 |
| Average earning assets | $1,478,637,333 | 669 |
| Average equity | $132,960,667 | 734 |
| Average total loans | $924,591,000 | 765 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8123% | 1,594 |
| Cost of funding earning assets | 0.1263% | 4,500 |
| Net interest margin | 4.6860% | 454 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.2627% | 2,920 |
| Loan and lease loss provision to assets | 0.3800% | 213 |
| Net operating income to assets | 1.6658% | 875 |
| Return on assets (ROA) | 1.6658% | 875 |
| Pretax return on assets | 2.2392% | 535 |
| Return on Equity (ROE) | 20.2500% | 733 |
| Retained earnings to average equity (ytd only) | 15.6868% | 719 |
| Net charge-offs to loans | 0.0724% | 714 |
| Credit loss provision to net charge-offs | 753.0120% | 427 |
| Earnings coverage of net charge-offs (x) | 63.1024% | 994 |
| Efficiency ratio | 46.0269% | 4,214 |
| Assets per employee ($millions) | 8.7705% | 1,024 |
| Cash dividends to net income (ytd only)* | 22.5293% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 1,847 |
| Loan loss allowance to noncurrent loans | 310.5011% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 1,848 |
| Noncurrent loans to loans | 0.4324% | 1,636 |
| Net loans and leases to total assets | 57.3900% | 2,920 |
| Net loans and leases to deposits | 64.2883% | 3,062 |
| Net loans and leases to core deposits | 64.8203% | 3,296 |
| Total domestic deposits to total assets | 89.2700% | 1,433 |
| Equity capital to assets | 8.6496% | 2,787 |
| Core capital (leverage) ratio | 9.8480% | 2,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0441% | 1,360 |
| Memoranda: | ||
| Average total assets | $1,598,789,000 | 687 |
| Average earning assets | $1,488,856,000 | 673 |
| Average equity | $131,524,500 | 750 |
| Average total loans | $917,669,000 | 778 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9850% | 1,757 |
| Cost of funding earning assets | 0.0549% | 4,565 |
| Net interest margin | 3.9302% | 890 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 1.9694% | 3,666 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.6647% | 587 |
| Return on assets (ROA) | 1.6647% | 558 |
| Pretax return on assets | 2.2514% | 288 |
| Return on Equity (ROE) | 21.2000% | 379 |
| Retained earnings to average equity (ytd only) | 18.0609% | 142 |
| Net charge-offs to loans | 0.1069% | 700 |
| Credit loss provision to net charge-offs | 139.0374% | 1,349 |
| Earnings coverage of net charge-offs (x) | 40.5027% | 1,498 |
| Efficiency ratio | 45.3851% | 4,377 |
| Assets per employee ($millions) | 8.9938% | 919 |
| Cash dividends to net income (ytd only)* | 14.7929% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 2,535 |
| Loan loss allowance to noncurrent loans | 914.4198% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,065 |
| Noncurrent loans to loans | 0.1278% | 2,872 |
| Net loans and leases to total assets | 55.9800% | 3,036 |
| Net loans and leases to deposits | 62.1254% | 3,186 |
| Net loans and leases to core deposits | 62.5888% | 3,353 |
| Total domestic deposits to total assets | 90.1100% | 1,314 |
| Equity capital to assets | 7.8139% | 3,178 |
| Core capital (leverage) ratio | 9.2458% | 3,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7177% | 1,429 |
| Memoranda: | ||
| Average total assets | $1,624,349,400 | 668 |
| Average earning assets | $1,509,473,600 | 653 |
| Average equity | $127,568,400 | 774 |
| Average total loans | $874,516,000 | 763 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7374% | 1,935 |
| Cost of funding earning assets | 0.0498% | 4,582 |
| Net interest margin | 3.6876% | 1,174 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 1.9272% | 3,685 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.5618% | 719 |
| Return on assets (ROA) | 1.5618% | 698 |
| Pretax return on assets | 2.1132% | 369 |
| Return on Equity (ROE) | 19.8600% | 444 |
| Retained earnings to average equity (ytd only) | 16.7325% | 231 |
| Net charge-offs to loans | 0.0667% | 828 |
| Credit loss provision to net charge-offs | 231.4815% | 921 |
| Earnings coverage of net charge-offs (x) | 61.9606% | 1,158 |
| Efficiency ratio | 46.3196% | 4,366 |
| Assets per employee ($millions) | 9.5974% | 733 |
| Cash dividends to net income (ytd only)* | 15.7538% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 2,180 |
| Loan loss allowance to noncurrent loans | 735.3535% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 2,841 |
| Noncurrent loans to loans | 0.1725% | 2,730 |
| Net loans and leases to total assets | 51.5000% | 3,336 |
| Net loans and leases to deposits | 56.2205% | 3,459 |
| Net loans and leases to core deposits | 56.7239% | 3,578 |
| Total domestic deposits to total assets | 91.6000% | 1,009 |
| Equity capital to assets | 6.8950% | 3,568 |
| Core capital (leverage) ratio | 8.8837% | 3,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9496% | 1,443 |
| Memoranda: | ||
| Average total assets | $1,625,716,500 | 666 |
| Average earning assets | $1,509,831,250 | 657 |
| Average equity | $127,836,000 | 780 |
| Average total loans | $863,898,500 | 770 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4984% | 2,148 |
| Cost of funding earning assets | 0.0506% | 4,596 |
| Net interest margin | 3.4478% | 1,464 |
| Noninterest income to average assets | 0.7505% | 1,173 |
| Noninterest expense to average assets | 1.9092% | 3,680 |
| Loan and lease loss provision to assets | 0.0866% | 1,148 |
| Net operating income to assets | 1.4417% | 812 |
| Return on assets (ROA) | 1.4417% | 794 |
| Pretax return on assets | 1.9506% | 423 |
| Return on Equity (ROE) | 17.5974% | 516 |
| Retained earnings to average equity (ytd only) | 14.5787% | 305 |
| Net charge-offs to loans | 0.0308% | 1,108 |
| Credit loss provision to net charge-offs | 526.3158% | 614 |
| Earnings coverage of net charge-offs (x) | 123.8647% | 723 |
| Efficiency ratio | 47.9272% | 4,346 |
| Assets per employee ($millions) | 9.4662% | 760 |
| Cash dividends to net income (ytd only)* | 17.1541% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,402 |
| Loan loss allowance to noncurrent loans | 703.9974% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 2,878 |
| Noncurrent loans to loans | 0.1785% | 2,807 |
| Net loans and leases to total assets | 53.0095% | 3,061 |
| Net loans and leases to deposits | 58.2282% | 3,206 |
| Net loans and leases to core deposits | 58.9285% | 3,350 |
| Total domestic deposits to total assets | 91.0373% | 1,220 |
| Equity capital to assets | 7.6517% | 3,379 |
| Core capital (leverage) ratio | 8.7378% | 3,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5018% | 1,572 |
| Memoranda: | ||
| Average total assets | $1,617,368,667 | 663 |
| Average earning assets | $1,499,138,000 | 662 |
| Average equity | $132,508,000 | 756 |
| Average total loans | $864,845,667 | 761 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3136% | 2,345 |
| Cost of funding earning assets | 0.0521% | 4,588 |
| Net interest margin | 3.2615% | 1,678 |
| Noninterest income to average assets | 0.8731% | 880 |
| Noninterest expense to average assets | 1.8645% | 3,768 |
| Loan and lease loss provision to assets | 0.0742% | 1,114 |
| Net operating income to assets | 1.4449% | 718 |
| Return on assets (ROA) | 1.4449% | 717 |
| Pretax return on assets | 1.9546% | 396 |
| Return on Equity (ROE) | 17.0720% | 415 |
| Retained earnings to average equity (ytd only) | 14.1487% | 369 |
| Net charge-offs to loans | 0.1159% | 468 |
| Credit loss provision to net charge-offs | 120.0000% | 934 |
| Earnings coverage of net charge-offs (x) | 32.8000% | 1,091 |
| Efficiency ratio | 47.4326% | 4,433 |
| Assets per employee ($millions) | 9.4760% | 779 |
| Cash dividends to net income (ytd only)* | 17.1233% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 2,767 |
| Loan loss allowance to noncurrent loans | 219.7760% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 1,828 |
| Noncurrent loans to loans | 0.5539% | 1,656 |
| Net loans and leases to total assets | 52.0939% | 2,978 |
| Net loans and leases to deposits | 57.4821% | 3,122 |
| Net loans and leases to core deposits | 58.2646% | 3,287 |
| Total domestic deposits to total assets | 90.6263% | 1,231 |
| Equity capital to assets | 8.0876% | 3,500 |
| Core capital (leverage) ratio | 8.5157% | 3,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9546% | 1,529 |
| Memoranda: | ||
| Average total assets | $1,616,694,500 | 664 |
| Average earning assets | $1,497,113,000 | 665 |
| Average equity | $136,832,500 | 752 |
| Average total loans | $862,772,500 | 751 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8499% | 1,742 |
| Cost of funding earning assets | 0.0626% | 4,628 |
| Net interest margin | 3.7872% | 1,037 |
| Noninterest income to average assets | 0.6308% | 2,020 |
| Noninterest expense to average assets | 1.8898% | 3,943 |
| Loan and lease loss provision to assets | 0.0831% | 1,481 |
| Net operating income to assets | 1.5992% | 807 |
| Return on assets (ROA) | 1.5870% | 875 |
| Pretax return on assets | 2.1595% | 447 |
| Return on Equity (ROE) | 17.4436% | 525 |
| Retained earnings to average equity (ytd only) | 10.9176% | 717 |
| Net charge-offs to loans | 0.0862% | 947 |
| Credit loss provision to net charge-offs | 166.6667% | 1,424 |
| Earnings coverage of net charge-offs (x) | 45.2726% | 1,360 |
| Efficiency ratio | 45.1214% | 4,533 |
| Assets per employee ($millions) | 9.1129% | 884 |
| Cash dividends to net income (ytd only)* | 37.4121% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 2,938 |
| Loan loss allowance to noncurrent loans | 212.8727% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 1,909 |
| Noncurrent loans to loans | 0.5583% | 1,729 |
| Net loans and leases to total assets | 53.3582% | 2,929 |
| Net loans and leases to deposits | 59.7657% | 3,099 |
| Net loans and leases to core deposits | 60.6124% | 3,276 |
| Total domestic deposits to total assets | 89.2790% | 1,363 |
| Equity capital to assets | 8.8415% | 3,773 |
| Core capital (leverage) ratio | 8.3673% | 4,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4956% | 1,686 |
| Memoranda: | ||
| Average total assets | $1,353,293,400 | 737 |
| Average earning assets | $1,256,745,200 | 740 |
| Average equity | $123,122,400 | 840 |
| Average total loans | $783,329,000 | 811 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8999% | 1,762 |
| Cost of funding earning assets | 0.0635% | 4,721 |
| Net interest margin | 3.8364% | 1,047 |
| Noninterest income to average assets | 0.6188% | 2,136 |
| Noninterest expense to average assets | 1.8534% | 4,050 |
| Loan and lease loss provision to assets | 0.0906% | 1,324 |
| Net operating income to assets | 1.6443% | 931 |
| Return on assets (ROA) | 1.6443% | 971 |
| Pretax return on assets | 2.2388% | 507 |
| Return on Equity (ROE) | 17.9153% | 637 |
| Retained earnings to average equity (ytd only) | 9.8140% | 1,380 |
| Net charge-offs to loans | 0.0827% | 849 |
| Credit loss provision to net charge-offs | 185.3814% | 1,243 |
| Earnings coverage of net charge-offs (x) | 47.6886% | 1,269 |
| Efficiency ratio | 43.8963% | 4,588 |
| Assets per employee ($millions) | 8.9221% | 916 |
| Cash dividends to net income (ytd only)* | 45.2200% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 3,046 |
| Loan loss allowance to noncurrent loans | 211.4714% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 2,053 |
| Noncurrent loans to loans | 0.5619% | 1,911 |
| Net loans and leases to total assets | 54.5746% | 2,898 |
| Net loans and leases to deposits | 60.9710% | 3,141 |
| Net loans and leases to core deposits | 61.8758% | 3,333 |
| Total domestic deposits to total assets | 89.5091% | 1,003 |
| Equity capital to assets | 8.7952% | 4,003 |
| Core capital (leverage) ratio | 8.5962% | 3,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2797% | 1,870 |
| Memoranda: | ||
| Average total assets | $1,288,369,250 | 783 |
| Average earning assets | $1,196,881,000 | 779 |
| Average equity | $118,249,750 | 885 |
| Average total loans | $761,407,750 | 839 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7762% | 2,129 |
| Cost of funding earning assets | 0.0613% | 4,782 |
| Net interest margin | 3.7148% | 1,313 |
| Noninterest income to average assets | 0.6835% | 1,877 |
| Noninterest expense to average assets | 1.9097% | 3,940 |
| Loan and lease loss provision to assets | 0.1047% | 1,202 |
| Net operating income to assets | 1.5390% | 1,193 |
| Return on assets (ROA) | 1.5390% | 1,258 |
| Pretax return on assets | 2.1373% | 640 |
| Return on Equity (ROE) | 16.4669% | 868 |
| Retained earnings to average equity (ytd only) | 13.6003% | 616 |
| Net charge-offs to loans | 0.1099% | 697 |
| Credit loss provision to net charge-offs | 156.6416% | 1,149 |
| Earnings coverage of net charge-offs (x) | 33.5564% | 1,252 |
| Efficiency ratio | 45.6643% | 4,531 |
| Assets per employee ($millions) | 8.4445% | 1,028 |
| Cash dividends to net income (ytd only)* | 17.4083% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 2,066 |
| Loan loss allowance to noncurrent loans | 148.5698% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 1,444 |
| Noncurrent loans to loans | 0.9271% | 1,333 |
| Net loans and leases to total assets | 57.2483% | 2,756 |
| Net loans and leases to deposits | 64.0244% | 2,998 |
| Net loans and leases to core deposits | 64.2917% | 3,266 |
| Total domestic deposits to total assets | 89.4164% | 1,072 |
| Equity capital to assets | 9.1086% | 3,702 |
| Core capital (leverage) ratio | 9.0288% | 3,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1598% | 1,574 |
| Memoranda: | ||
| Average total assets | $1,194,398,667 | 836 |
| Average earning assets | $1,115,092,333 | 827 |
| Average equity | $111,629,667 | 927 |
| Average total loans | $726,117,000 | 868 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9757% | 1,647 |
| Cost of funding earning assets | 0.0652% | 4,808 |
| Net interest margin | 3.9104% | 965 |
| Noninterest income to average assets | 0.7922% | 1,597 |
| Noninterest expense to average assets | 2.1380% | 3,309 |
| Loan and lease loss provision to assets | 0.1295% | 1,055 |
| Net operating income to assets | 1.5772% | 1,168 |
| Return on assets (ROA) | 1.5772% | 1,225 |
| Pretax return on assets | 2.1898% | 702 |
| Return on Equity (ROE) | 16.6441% | 902 |
| Retained earnings to average equity (ytd only) | 13.9108% | 764 |
| Net charge-offs to loans | 0.1746% | 452 |
| Credit loss provision to net charge-offs | 119.0476% | 1,047 |
| Earnings coverage of net charge-offs (x) | 21.3206% | 1,227 |
| Efficiency ratio | 47.6408% | 4,363 |
| Assets per employee ($millions) | 7.7802% | 1,296 |
| Cash dividends to net income (ytd only)* | 16.4222% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3602% | 2,146 |
| Loan loss allowance to noncurrent loans | 261.8822% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.3635% | 2,345 |
| Noncurrent loans to loans | 0.5194% | 2,296 |
| Net loans and leases to total assets | 59.9055% | 2,550 |
| Net loans and leases to deposits | 67.5169% | 2,750 |
| Net loans and leases to core deposits | 67.7947% | 3,080 |
| Total domestic deposits to total assets | 88.7266% | 1,484 |
| Equity capital to assets | 9.1569% | 3,538 |
| Core capital (leverage) ratio | 9.2662% | 3,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9832% | 1,574 |
| Memoranda: | ||
| Average total assets | $1,158,262,000 | 848 |
| Average earning assets | $1,085,608,000 | 837 |
| Average equity | $109,756,500 | 934 |
| Average total loans | $721,537,500 | 873 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2678% | 1,962 |
| Cost of funding earning assets | 0.0902% | 4,882 |
| Net interest margin | 4.1777% | 673 |
| Noninterest income to average assets | 0.8155% | 1,487 |
| Noninterest expense to average assets | 2.3279% | 3,333 |
| Loan and lease loss provision to assets | 0.3172% | 1,169 |
| Net operating income to assets | 1.4985% | 815 |
| Return on assets (ROA) | 1.4985% | 891 |
| Pretax return on assets | 2.0677% | 395 |
| Return on Equity (ROE) | 14.7253% | 687 |
| Retained earnings to average equity (ytd only) | 12.3935% | 285 |
| Net charge-offs to loans | 0.0748% | 1,736 |
| Credit loss provision to net charge-offs | 615.3101% | 1,085 |
| Earnings coverage of net charge-offs (x) | 46.2597% | 1,274 |
| Efficiency ratio | 48.9760% | 4,583 |
| Assets per employee ($millions) | 7.0291% | 1,568 |
| Cash dividends to net income (ytd only)* | 15.8354% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 2,001 |
| Loan loss allowance to noncurrent loans | 390.4574% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2646% | 2,978 |
| Noncurrent loans to loans | 0.3568% | 2,919 |
| Net loans and leases to total assets | 63.1007% | 2,476 |
| Net loans and leases to deposits | 71.9216% | 2,688 |
| Net loans and leases to core deposits | 72.2494% | 3,050 |
| Total domestic deposits to total assets | 87.7355% | 1,594 |
| Equity capital to assets | 9.8224% | 3,292 |
| Core capital (leverage) ratio | 9.1842% | 3,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4294% | 1,706 |
| Memoranda: | ||
| Average total assets | $1,000,890,800 | 881 |
| Average earning assets | $933,728,400 | 875 |
| Average equity | $101,851,600 | 948 |
| Average total loans | $689,909,400 | 879 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 2,216 |
| Cost of funding earning assets | 0.0962% | 4,925 |
| Net interest margin | 4.1658% | 783 |
| Noninterest income to average assets | 0.8301% | 1,394 |
| Noninterest expense to average assets | 2.3288% | 3,347 |
| Loan and lease loss provision to assets | 0.3835% | 954 |
| Net operating income to assets | 1.4526% | 992 |
| Return on assets (ROA) | 1.4526% | 1,081 |
| Pretax return on assets | 2.0037% | 513 |
| Return on Equity (ROE) | 14.1349% | 857 |
| Retained earnings to average equity (ytd only) | 11.8027% | 456 |
| Net charge-offs to loans | 0.0863% | 1,446 |
| Credit loss provision to net charge-offs | 632.0542% | 1,135 |
| Earnings coverage of net charge-offs (x) | 39.3431% | 1,370 |
| Efficiency ratio | 48.9370% | 4,557 |
| Assets per employee ($millions) | 7.1461% | 1,403 |
| Cash dividends to net income (ytd only)* | 16.5001% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 2,221 |
| Loan loss allowance to noncurrent loans | 392.6380% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 3,012 |
| Noncurrent loans to loans | 0.3272% | 3,115 |
| Net loans and leases to total assets | 66.1691% | 2,500 |
| Net loans and leases to deposits | 75.4423% | 2,805 |
| Net loans and leases to core deposits | 75.8329% | 3,179 |
| Total domestic deposits to total assets | 87.7082% | 1,339 |
| Equity capital to assets | 9.4150% | 3,757 |
| Core capital (leverage) ratio | 9.3324% | 3,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2670% | 1,739 |
| Memoranda: | ||
| Average total assets | $973,464,250 | 884 |
| Average earning assets | $908,046,500 | 880 |
| Average equity | $100,042,750 | 954 |
| Average total loans | $684,712,500 | 880 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 2,073 |
| Cost of funding earning assets | 0.1075% | 4,958 |
| Net interest margin | 4.3438% | 684 |
| Noninterest income to average assets | 0.8595% | 1,262 |
| Noninterest expense to average assets | 2.4431% | 3,131 |
| Loan and lease loss provision to assets | 0.4318% | 908 |
| Net operating income to assets | 1.4673% | 981 |
| Return on assets (ROA) | 1.4673% | 1,074 |
| Pretax return on assets | 2.0228% | 520 |
| Return on Equity (ROE) | 13.8124% | 918 |
| Retained earnings to average equity (ytd only) | 11.9324% | 469 |
| Net charge-offs to loans | 0.1229% | 1,107 |
| Credit loss provision to net charge-offs | 490.1961% | 1,255 |
| Earnings coverage of net charge-offs (x) | 27.8652% | 1,479 |
| Efficiency ratio | 49.4335% | 4,535 |
| Assets per employee ($millions) | 6.5140% | 1,769 |
| Cash dividends to net income (ytd only)* | 13.6109% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,560 |
| Loan loss allowance to noncurrent loans | 387.5000% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 3,169 |
| Noncurrent loans to loans | 0.3077% | 3,281 |
| Net loans and leases to total assets | 70.6941% | 1,925 |
| Net loans and leases to deposits | 80.9823% | 2,315 |
| Net loans and leases to core deposits | 81.2531% | 2,844 |
| Total domestic deposits to total assets | 87.2957% | 1,498 |
| Equity capital to assets | 9.8534% | 3,323 |
| Core capital (leverage) ratio | 9.9482% | 2,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1877% | 1,733 |
| Memoranda: | ||
| Average total assets | $926,353,667 | 919 |
| Average earning assets | $861,187,000 | 906 |
| Average equity | $98,404,333 | 960 |
| Average total loans | $663,866,667 | 887 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7963% | 1,428 |
| Cost of funding earning assets | 0.1298% | 5,001 |
| Net interest margin | 4.6664% | 360 |
| Noninterest income to average assets | 0.9719% | 908 |
| Noninterest expense to average assets | 2.7584% | 2,550 |
| Loan and lease loss provision to assets | 0.3442% | 895 |
| Net operating income to assets | 1.5910% | 636 |
| Return on assets (ROA) | 1.5910% | 702 |
| Pretax return on assets | 2.1907% | 302 |
| Return on Equity (ROE) | 14.3592% | 635 |
| Retained earnings to average equity (ytd only) | 14.3592% | 227 |
| Net charge-offs to loans | 0.1209% | 982 |
| Credit loss provision to net charge-offs | 396.8254% | 1,016 |
| Earnings coverage of net charge-offs (x) | 29.2275% | 1,197 |
| Efficiency ratio | 51.6688% | 4,567 |
| Assets per employee ($millions) | 5.3586% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 2,432 |
| Loan loss allowance to noncurrent loans | 337.8355% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 3,068 |
| Noncurrent loans to loans | 0.3683% | 3,170 |
| Net loans and leases to total assets | 70.4920% | 2,174 |
| Net loans and leases to deposits | 81.1710% | 2,559 |
| Net loans and leases to core deposits | 81.5729% | 3,055 |
| Total domestic deposits to total assets | 86.8438% | 1,625 |
| Equity capital to assets | 11.3209% | 2,575 |
| Core capital (leverage) ratio | 10.8254% | 2,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7787% | 1,979 |
| Memoranda: | ||
| Average total assets | $871,669,000 | 943 |
| Average earning assets | $807,211,500 | 938 |
| Average equity | $96,579,500 | 968 |
| Average total loans | $625,285,000 | 908 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0546% | 1,334 |
| Cost of funding earning assets | 0.1553% | 5,042 |
| Net interest margin | 4.8993% | 333 |
| Noninterest income to average assets | 0.9231% | 1,136 |
| Noninterest expense to average assets | 2.6653% | 2,980 |
| Loan and lease loss provision to assets | 0.1767% | 1,181 |
| Net operating income to assets | 1.8809% | 449 |
| Return on assets (ROA) | 1.8915% | 455 |
| Pretax return on assets | 2.6157% | 172 |
| Return on Equity (ROE) | 18.7127% | 288 |
| Retained earnings to average equity (ytd only) | 15.4504% | 83 |
| Net charge-offs to loans | 0.2045% | 1,004 |
| Credit loss provision to net charge-offs | 123.4568% | 2,059 |
| Earnings coverage of net charge-offs (x) | 19.4206% | 2,000 |
| Efficiency ratio | 48.3873% | 4,808 |
| Assets per employee ($millions) | 5.3366% | 2,209 |
| Cash dividends to net income (ytd only)* | 17.4335% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 2,630 |
| Loan loss allowance to noncurrent loans | 353.3171% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 3,144 |
| Noncurrent loans to loans | 0.3289% | 3,258 |
| Net loans and leases to total assets | 71.2565% | 2,213 |
| Net loans and leases to deposits | 82.3760% | 2,513 |
| Net loans and leases to core deposits | 82.7575% | 3,062 |
| Total domestic deposits to total assets | 86.5015% | 1,848 |
| Equity capital to assets | 10.8348% | 3,153 |
| Core capital (leverage) ratio | 10.3523% | 3,134 |
| Tier 1 risk-based capital ratio | 13.0840% | 3,752 |
| Total risk-based capital ratio | 14.1695% | 3,711 |
| Memoranda: | ||
| Average total assets | $849,107,600 | 929 |
| Average earning assets | $783,560,600 | 925 |
| Average equity | $85,829,400 | 1,024 |
| Average total loans | $594,093,000 | 917 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0779% | 1,333 |
| Cost of funding earning assets | 0.1596% | 5,106 |
| Net interest margin | 4.9184% | 334 |
| Noninterest income to average assets | 0.9132% | 1,116 |
| Noninterest expense to average assets | 2.6846% | 2,908 |
| Loan and lease loss provision to assets | 0.1420% | 1,357 |
| Net operating income to assets | 1.8975% | 494 |
| Return on assets (ROA) | 1.9000% | 512 |
| Pretax return on assets | 2.6259% | 196 |
| Return on Equity (ROE) | 19.1484% | 305 |
| Retained earnings to average equity (ytd only) | 16.9227% | 85 |
| Net charge-offs to loans | 0.1436% | 1,133 |
| Credit loss provision to net charge-offs | 142.4051% | 1,705 |
| Earnings coverage of net charge-offs (x) | 27.7325% | 1,705 |
| Efficiency ratio | 48.6684% | 4,813 |
| Assets per employee ($millions) | 5.5150% | 2,017 |
| Cash dividends to net income (ytd only)* | 11.6231% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 2,542 |
| Loan loss allowance to noncurrent loans | 278.1370% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.4158% | 2,850 |
| Noncurrent loans to loans | 0.4293% | 3,020 |
| Net loans and leases to total assets | 67.3489% | 2,882 |
| Net loans and leases to deposits | 77.0050% | 3,202 |
| Net loans and leases to core deposits | 77.4153% | 3,597 |
| Total domestic deposits to total assets | 87.4604% | 1,280 |
| Equity capital to assets | 10.2582% | 3,768 |
| Core capital (leverage) ratio | 10.1669% | 3,461 |
| Tier 1 risk-based capital ratio | 12.9698% | 3,862 |
| Total risk-based capital ratio | 14.0770% | 3,841 |
| Memoranda: | ||
| Average total assets | $845,251,250 | 932 |
| Average earning assets | $779,561,500 | 928 |
| Average equity | $83,869,250 | 1,044 |
| Average total loans | $586,796,500 | 925 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1263% | 1,157 |
| Cost of funding earning assets | 0.1633% | 5,138 |
| Net interest margin | 4.9630% | 311 |
| Noninterest income to average assets | 0.9006% | 1,072 |
| Noninterest expense to average assets | 2.7051% | 2,885 |
| Loan and lease loss provision to assets | 0.1444% | 1,284 |
| Net operating income to assets | 1.8996% | 482 |
| Return on assets (ROA) | 1.9034% | 499 |
| Pretax return on assets | 2.6278% | 202 |
| Return on Equity (ROE) | 19.4171% | 288 |
| Retained earnings to average equity (ytd only) | 15.9800% | 131 |
| Net charge-offs to loans | 0.1722% | 945 |
| Credit loss provision to net charge-offs | 120.0000% | 1,736 |
| Earnings coverage of net charge-offs (x) | 22.9980% | 1,669 |
| Efficiency ratio | 48.8236% | 4,852 |
| Assets per employee ($millions) | 5.1766% | 2,278 |
| Cash dividends to net income (ytd only)* | 17.7014% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 2,609 |
| Loan loss allowance to noncurrent loans | 300.4683% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 2,867 |
| Noncurrent loans to loans | 0.3944% | 3,114 |
| Net loans and leases to total assets | 70.1876% | 2,505 |
| Net loans and leases to deposits | 79.7870% | 2,977 |
| Net loans and leases to core deposits | 80.4138% | 3,391 |
| Total domestic deposits to total assets | 87.9687% | 1,118 |
| Equity capital to assets | 10.2812% | 3,717 |
| Core capital (leverage) ratio | 9.9773% | 3,599 |
| Tier 1 risk-based capital ratio | 12.4987% | 4,126 |
| Total risk-based capital ratio | 13.5949% | 4,089 |
| Memoranda: | ||
| Average total assets | $831,030,000 | 940 |
| Average earning assets | $765,542,670 | 942 |
| Average equity | $81,464,330 | 1,060 |
| Average total loans | $580,653,000 | 934 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2303% | 856 |
| Cost of funding earning assets | 0.1583% | 5,197 |
| Net interest margin | 5.0720% | 253 |
| Noninterest income to average assets | 0.8863% | 1,071 |
| Noninterest expense to average assets | 2.7131% | 2,871 |
| Loan and lease loss provision to assets | 0.1934% | 838 |
| Net operating income to assets | 1.9143% | 447 |
| Return on assets (ROA) | 1.9143% | 463 |
| Pretax return on assets | 2.6435% | 195 |
| Return on Equity (ROE) | 20.0235% | 264 |
| Retained earnings to average equity (ytd only) | 20.0235% | 106 |
| Net charge-offs to loans | 0.2031% | 688 |
| Credit loss provision to net charge-offs | 137.4570% | 1,312 |
| Earnings coverage of net charge-offs (x) | 20.1615% | 1,568 |
| Efficiency ratio | 48.2837% | 4,932 |
| Assets per employee ($millions) | 5.3592% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 2,450 |
| Loan loss allowance to noncurrent loans | 485.0377% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3162% | 3,327 |
| Noncurrent loans to loans | 0.2526% | 3,658 |
| Net loans and leases to total assets | 68.5915% | 2,677 |
| Net loans and leases to deposits | 77.9161% | 3,068 |
| Net loans and leases to core deposits | 78.6337% | 3,475 |
| Total domestic deposits to total assets | 88.0325% | 1,323 |
| Equity capital to assets | 9.8715% | 3,941 |
| Core capital (leverage) ratio | 9.7162% | 3,899 |
| Tier 1 risk-based capital ratio | 12.3622% | 4,258 |
| Total risk-based capital ratio | 13.4839% | 4,202 |
| Memoranda: | ||
| Average total assets | $827,240,000 | 953 |
| Average earning assets | $760,645,000 | 949 |
| Average equity | $79,087,000 | 1,085 |
| Average total loans | $573,150,500 | 949 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9025% | 1,280 |
| Cost of funding earning assets | 0.1030% | 5,279 |
| Net interest margin | 4.7995% | 398 |
| Noninterest income to average assets | 1.0793% | 795 |
| Noninterest expense to average assets | 2.7839% | 2,738 |
| Loan and lease loss provision to assets | 0.1302% | 1,692 |
| Net operating income to assets | 1.8651% | 485 |
| Return on assets (ROA) | 1.8858% | 460 |
| Pretax return on assets | 2.5979% | 172 |
| Return on Equity (ROE) | 20.8030% | 214 |
| Retained earnings to average equity (ytd only) | 17.9294% | 56 |
| Net charge-offs to loans | 0.1361% | 1,391 |
| Credit loss provision to net charge-offs | 140.6470% | 1,922 |
| Earnings coverage of net charge-offs (x) | 29.1772% | 1,630 |
| Efficiency ratio | 50.6826% | 4,897 |
| Assets per employee ($millions) | 5.3148% | 2,132 |
| Cash dividends to net income (ytd only)* | 13.8131% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 2,454 |
| Loan loss allowance to noncurrent loans | 622.9185% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.2776% | 3,472 |
| Noncurrent loans to loans | 0.1962% | 3,875 |
| Net loans and leases to total assets | 68.2811% | 2,844 |
| Net loans and leases to deposits | 77.3648% | 3,239 |
| Net loans and leases to core deposits | 77.9821% | 3,581 |
| Total domestic deposits to total assets | 88.2586% | 1,176 |
| Equity capital to assets | 9.2466% | 4,369 |
| Core capital (leverage) ratio | 9.3448% | 4,306 |
| Tier 1 risk-based capital ratio | 11.8488% | 4,535 |
| Total risk-based capital ratio | 12.9645% | 4,494 |
| Memoranda: | ||
| Average total assets | $767,781,200 | 980 |
| Average earning assets | $704,901,000 | 982 |
| Average equity | $69,600,600 | 1,165 |
| Average total loans | $522,337,000 | 1,002 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8442% | 1,310 |
| Cost of funding earning assets | 0.0900% | 5,373 |
| Net interest margin | 4.7542% | 412 |
| Noninterest income to average assets | 1.1766% | 683 |
| Noninterest expense to average assets | 2.8087% | 2,607 |
| Loan and lease loss provision to assets | 0.1415% | 1,411 |
| Net operating income to assets | 1.8791% | 511 |
| Return on assets (ROA) | 1.9071% | 476 |
| Pretax return on assets | 2.6253% | 182 |
| Return on Equity (ROE) | 21.1539% | 203 |
| Retained earnings to average equity (ytd only) | 19.1919% | 65 |
| Net charge-offs to loans | 0.1627% | 1,012 |
| Credit loss provision to net charge-offs | 128.4109% | 1,912 |
| Earnings coverage of net charge-offs (x) | 24.7848% | 1,798 |
| Efficiency ratio | 50.6833% | 4,908 |
| Assets per employee ($millions) | 5.0668% | 2,381 |
| Cash dividends to net income (ytd only)* | 9.2747% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 2,304 |
| Loan loss allowance to noncurrent loans | 550.3215% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 3,487 |
| Noncurrent loans to loans | 0.2292% | 3,887 |
| Net loans and leases to total assets | 69.5958% | 2,709 |
| Net loans and leases to deposits | 78.4387% | 3,194 |
| Net loans and leases to core deposits | 78.7438% | 3,596 |
| Total domestic deposits to total assets | 88.7265% | 946 |
| Equity capital to assets | 9.2980% | 4,276 |
| Core capital (leverage) ratio | 9.6738% | 3,972 |
| Tier 1 risk-based capital ratio | 12.1010% | 4,446 |
| Total risk-based capital ratio | 13.2476% | 4,388 |
| Memoranda: | ||
| Average total assets | $753,777,250 | 997 |
| Average earning assets | $691,806,000 | 994 |
| Average equity | $67,957,500 | 1,187 |
| Average total loans | $510,557,250 | 1,027 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7276% | 1,434 |
| Cost of funding earning assets | 0.0895% | 5,430 |
| Net interest margin | 4.6381% | 508 |
| Noninterest income to average assets | 1.1904% | 675 |
| Noninterest expense to average assets | 2.8151% | 2,618 |
| Loan and lease loss provision to assets | 0.1336% | 1,477 |
| Net operating income to assets | 1.8143% | 564 |
| Return on assets (ROA) | 1.8567% | 515 |
| Pretax return on assets | 2.5492% | 205 |
| Return on Equity (ROE) | 20.8180% | 214 |
| Retained earnings to average equity (ytd only) | 17.8213% | 99 |
| Net charge-offs to loans | 0.1885% | 828 |
| Credit loss provision to net charge-offs | 106.1571% | 1,935 |
| Earnings coverage of net charge-offs (x) | 20.8854% | 1,791 |
| Efficiency ratio | 51.6937% | 4,920 |
| Assets per employee ($millions) | 5.1628% | 2,231 |
| Cash dividends to net income (ytd only)* | 14.3947% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,210 |
| Loan loss allowance to noncurrent loans | 759.4104% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 3,810 |
| Noncurrent loans to loans | 0.1700% | 4,145 |
| Net loans and leases to total assets | 67.0049% | 3,010 |
| Net loans and leases to deposits | 75.3331% | 3,407 |
| Net loans and leases to core deposits | 75.5989% | 3,771 |
| Total domestic deposits to total assets | 88.9449% | 957 |
| Equity capital to assets | 8.9832% | 4,576 |
| Core capital (leverage) ratio | 9.5899% | 4,008 |
| Tier 1 risk-based capital ratio | 12.0923% | 4,447 |
| Total risk-based capital ratio | 13.2759% | 4,352 |
| Memoranda: | ||
| Average total assets | $748,317,000 | 1,002 |
| Average earning assets | $686,315,670 | 1,006 |
| Average equity | $66,740,330 | 1,206 |
| Average total loans | $499,795,000 | 1,047 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 1,492 |
| Cost of funding earning assets | 0.0898% | 5,482 |
| Net interest margin | 4.5370% | 571 |
| Noninterest income to average assets | 1.2382% | 607 |
| Noninterest expense to average assets | 2.9205% | 2,286 |
| Loan and lease loss provision to assets | 0.1080% | 1,729 |
| Net operating income to assets | 1.7440% | 623 |
| Return on assets (ROA) | 1.8297% | 533 |
| Pretax return on assets | 2.4937% | 216 |
| Return on Equity (ROE) | 20.5926% | 216 |
| Retained earnings to average equity (ytd only) | 20.5926% | 93 |
| Net charge-offs to loans | 0.2015% | 731 |
| Credit loss provision to net charge-offs | 80.9717% | 1,741 |
| Earnings coverage of net charge-offs (x) | 18.6842% | 1,529 |
| Efficiency ratio | 53.9268% | 4,807 |
| Assets per employee ($millions) | 5.1475% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3465% | 2,034 |
| Loan loss allowance to noncurrent loans | 650.4912% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.2852% | 3,718 |
| Noncurrent loans to loans | 0.2070% | 4,045 |
| Net loans and leases to total assets | 65.9121% | 3,046 |
| Net loans and leases to deposits | 74.2841% | 3,391 |
| Net loans and leases to core deposits | 74.5560% | 3,778 |
| Total domestic deposits to total assets | 88.7297% | 1,246 |
| Equity capital to assets | 9.0467% | 4,506 |
| Core capital (leverage) ratio | 9.3208% | 4,294 |
| Tier 1 risk-based capital ratio | 12.4609% | 4,271 |
| Total risk-based capital ratio | 13.7109% | 4,169 |
| Memoranda: | ||
| Average total assets | $740,431,000 | 1,017 |
| Average earning assets | $681,421,500 | 1,021 |
| Average equity | $65,790,500 | 1,228 |
| Average total loans | $490,355,000 | 1,074 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5627% | 1,531 |
| Cost of funding earning assets | 0.0919% | 5,525 |
| Net interest margin | 4.4707% | 666 |
| Noninterest income to average assets | 1.1721% | 751 |
| Noninterest expense to average assets | 2.8461% | 2,623 |
| Loan and lease loss provision to assets | 0.0861% | 2,474 |
| Net operating income to assets | 1.2396% | 1,394 |
| Return on assets (ROA) | 1.2251% | 1,463 |
| Pretax return on assets | 2.3205% | 256 |
| Return on Equity (ROE) | 13.6547% | 819 |
| Retained earnings to average equity (ytd only) | 7.2575% | 997 |
| Net charge-offs to loans | 0.1007% | 2,066 |
| Credit loss provision to net charge-offs | 125.0000% | 2,092 |
| Earnings coverage of net charge-offs (x) | 35.2729% | 1,366 |
| Efficiency ratio | 53.9342% | 4,958 |
| Assets per employee ($millions) | 5.2082% | 2,247 |
| Cash dividends to net income (ytd only)* | 46.8494% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 1,915 |
| Loan loss allowance to noncurrent loans | 220.6817% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 2,603 |
| Noncurrent loans to loans | 0.6181% | 2,682 |
| Net loans and leases to total assets | 64.7509% | 3,263 |
| Net loans and leases to deposits | 72.7328% | 3,624 |
| Net loans and leases to core deposits | 73.0854% | 3,963 |
| Total domestic deposits to total assets | 89.0258% | 992 |
| Equity capital to assets | 8.7260% | 4,950 |
| Core capital (leverage) ratio | 8.7765% | 4,882 |
| Tier 1 risk-based capital ratio | 11.9789% | 4,541 |
| Total risk-based capital ratio | 13.2292% | 4,428 |
| Memoranda: | ||
| Average total assets | $696,947,600 | 1,051 |
| Average earning assets | $639,670,400 | 1,054 |
| Average equity | $62,528,000 | 1,268 |
| Average total loans | $476,768,800 | 1,072 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5559% | 1,482 |
| Cost of funding earning assets | 0.0919% | 5,585 |
| Net interest margin | 4.4640% | 648 |
| Noninterest income to average assets | 1.2272% | 695 |
| Noninterest expense to average assets | 2.8780% | 2,479 |
| Loan and lease loss provision to assets | 0.1168% | 1,856 |
| Net operating income to assets | 1.4238% | 1,038 |
| Return on assets (ROA) | 1.4217% | 1,071 |
| Pretax return on assets | 2.3237% | 288 |
| Return on Equity (ROE) | 15.7293% | 555 |
| Retained earnings to average equity (ytd only) | 7.1152% | 1,634 |
| Net charge-offs to loans | 0.0920% | 1,868 |
| Credit loss provision to net charge-offs | 183.4862% | 1,444 |
| Earnings coverage of net charge-offs (x) | 38.3944% | 1,340 |
| Efficiency ratio | 54.0617% | 4,933 |
| Assets per employee ($millions) | 5.0373% | 2,408 |
| Cash dividends to net income (ytd only)* | 54.7645% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 1,829 |
| Loan loss allowance to noncurrent loans | 179.6209% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 2,608 |
| Noncurrent loans to loans | 0.7887% | 2,389 |
| Net loans and leases to total assets | 64.9932% | 3,251 |
| Net loans and leases to deposits | 72.9203% | 3,676 |
| Net loans and leases to core deposits | 73.2858% | 4,036 |
| Total domestic deposits to total assets | 89.1291% | 816 |
| Equity capital to assets | 8.7736% | 5,100 |
| Core capital (leverage) ratio | 8.9751% | 4,768 |
| Tier 1 risk-based capital ratio | 11.9829% | 4,637 |
| Total risk-based capital ratio | 13.2338% | 4,514 |
| Memoranda: | ||
| Average total assets | $684,991,000 | 1,072 |
| Average earning assets | $628,294,000 | 1,078 |
| Average equity | $61,912,750 | 1,284 |
| Average total loans | $473,731,750 | 1,084 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5716% | 1,323 |
| Cost of funding earning assets | 0.0923% | 5,624 |
| Net interest margin | 4.4793% | 593 |
| Noninterest income to average assets | 1.2761% | 639 |
| Noninterest expense to average assets | 2.9293% | 2,329 |
| Loan and lease loss provision to assets | 0.1194% | 1,723 |
| Net operating income to assets | 1.4260% | 1,006 |
| Return on assets (ROA) | 1.4227% | 1,036 |
| Pretax return on assets | 2.3244% | 283 |
| Return on Equity (ROE) | 15.5746% | 587 |
| Retained earnings to average equity (ytd only) | 2.5004% | 4,192 |
| Net charge-offs to loans | 0.0399% | 2,405 |
| Credit loss provision to net charge-offs | 425.5319% | 749 |
| Earnings coverage of net charge-offs (x) | 87.2553% | 719 |
| Efficiency ratio | 54.4496% | 4,982 |
| Assets per employee ($millions) | 5.0311% | 2,354 |
| Cash dividends to net income (ytd only)* | 83.9454% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 1,799 |
| Loan loss allowance to noncurrent loans | 235.6014% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.5446% | 2,949 |
| Noncurrent loans to loans | 0.6084% | 2,902 |
| Net loans and leases to total assets | 68.3951% | 2,751 |
| Net loans and leases to deposits | 76.3616% | 3,300 |
| Net loans and leases to core deposits | 76.8145% | 3,697 |
| Total domestic deposits to total assets | 89.5673% | 707 |
| Equity capital to assets | 8.9127% | 4,975 |
| Core capital (leverage) ratio | 9.2459% | 4,440 |
| Tier 1 risk-based capital ratio | 11.7529% | 4,804 |
| Total risk-based capital ratio | 13.0041% | 4,691 |
| Memoranda: | ||
| Average total assets | $669,851,330 | 1,097 |
| Average earning assets | $613,440,000 | 1,109 |
| Average equity | $61,189,330 | 1,298 |
| Average total loans | $471,129,330 | 1,091 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5263% | 1,311 |
| Cost of funding earning assets | 0.0933% | 5,681 |
| Net interest margin | 4.4330% | 597 |
| Noninterest income to average assets | 1.1906% | 722 |
| Noninterest expense to average assets | 3.0345% | 2,069 |
| Loan and lease loss provision to assets | 0.1212% | 1,582 |
| Net operating income to assets | 1.2912% | 1,266 |
| Return on assets (ROA) | 1.2846% | 1,310 |
| Pretax return on assets | 2.0862% | 424 |
| Return on Equity (ROE) | 13.8860% | 827 |
| Retained earnings to average equity (ytd only) | 13.8860% | 304 |
| Net charge-offs to loans | 0.0051% | 2,794 |
| Credit loss provision to net charge-offs | 3,333.3333% | 98 |
| Earnings coverage of net charge-offs (x) | 610.0000% | 90 |
| Efficiency ratio | 57.7527% | 4,746 |
| Assets per employee ($millions) | 4.7350% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 1,953 |
| Loan loss allowance to noncurrent loans | 217.0261% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.5669% | 2,961 |
| Noncurrent loans to loans | 0.6583% | 2,858 |
| Net loans and leases to total assets | 70.1836% | 2,346 |
| Net loans and leases to deposits | 78.9364% | 2,870 |
| Net loans and leases to core deposits | 79.4485% | 3,345 |
| Total domestic deposits to total assets | 88.9117% | 1,189 |
| Equity capital to assets | 9.3977% | 4,392 |
| Core capital (leverage) ratio | 9.4158% | 4,217 |
| Tier 1 risk-based capital ratio | 12.3310% | 4,488 |
| Total risk-based capital ratio | 13.5826% | 4,394 |
| Memoranda: | ||
| Average total assets | $660,149,000 | 1,109 |
| Average earning assets | $604,823,000 | 1,121 |
| Average equity | $61,068,500 | 1,302 |
| Average total loans | $467,557,500 | 1,095 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 1,638 |
| Cost of funding earning assets | 0.0953% | 5,725 |
| Net interest margin | 4.3737% | 815 |
| Noninterest income to average assets | 1.1931% | 796 |
| Noninterest expense to average assets | 2.9796% | 2,414 |
| Loan and lease loss provision to assets | 0.1286% | 1,931 |
| Net operating income to assets | 1.2714% | 1,298 |
| Return on assets (ROA) | 1.2681% | 1,378 |
| Pretax return on assets | 2.0797% | 417 |
| Return on Equity (ROE) | 13.4504% | 892 |
| Retained earnings to average equity (ytd only) | 7.4838% | 1,045 |
| Net charge-offs to loans | 0.0762% | 2,612 |
| Credit loss provision to net charge-offs | 243.1611% | 1,193 |
| Earnings coverage of net charge-offs (x) | 41.8571% | 1,141 |
| Efficiency ratio | 57.3586% | 4,921 |
| Assets per employee ($millions) | 4.6296% | 2,921 |
| Cash dividends to net income (ytd only)* | 44.3599% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 2,019 |
| Loan loss allowance to noncurrent loans | 240.4185% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.5262% | 3,163 |
| Noncurrent loans to loans | 0.5882% | 3,085 |
| Net loans and leases to total assets | 69.4520% | 2,557 |
| Net loans and leases to deposits | 78.3648% | 3,062 |
| Net loans and leases to core deposits | 78.9140% | 3,485 |
| Total domestic deposits to total assets | 88.6265% | 1,309 |
| Equity capital to assets | 9.1025% | 4,708 |
| Core capital (leverage) ratio | 9.1862% | 4,496 |
| Tier 1 risk-based capital ratio | 12.0519% | 4,693 |
| Total risk-based capital ratio | 13.3031% | 4,575 |
| Memoranda: | ||
| Average total assets | $622,167,400 | 1,129 |
| Average earning assets | $568,990,400 | 1,139 |
| Average equity | $58,659,800 | 1,316 |
| Average total loans | $431,827,000 | 1,133 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 1,768 |
| Cost of funding earning assets | 0.0950% | 5,794 |
| Net interest margin | 4.3316% | 875 |
| Noninterest income to average assets | 1.2064% | 787 |
| Noninterest expense to average assets | 3.0118% | 2,284 |
| Loan and lease loss provision to assets | 0.1304% | 1,797 |
| Net operating income to assets | 1.2398% | 1,491 |
| Return on assets (ROA) | 1.2354% | 1,602 |
| Pretax return on assets | 2.0236% | 542 |
| Return on Equity (ROE) | 12.9824% | 1,063 |
| Retained earnings to average equity (ytd only) | 6.1291% | 2,111 |
| Net charge-offs to loans | 0.0632% | 2,450 |
| Credit loss provision to net charge-offs | 298.5075% | 1,042 |
| Earnings coverage of net charge-offs (x) | 49.4583% | 1,085 |
| Efficiency ratio | 58.2031% | 4,787 |
| Assets per employee ($millions) | 4.7576% | 2,668 |
| Cash dividends to net income (ytd only)* | 52.7890% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 2,008 |
| Loan loss allowance to noncurrent loans | 208.9355% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.8555% | 2,420 |
| Noncurrent loans to loans | 0.6906% | 2,965 |
| Net loans and leases to total assets | 67.3819% | 2,890 |
| Net loans and leases to deposits | 76.0334% | 3,398 |
| Net loans and leases to core deposits | 76.4352% | 3,795 |
| Total domestic deposits to total assets | 88.6215% | 1,094 |
| Equity capital to assets | 9.1603% | 5,018 |
| Core capital (leverage) ratio | 9.3342% | 4,412 |
| Tier 1 risk-based capital ratio | 12.0941% | 4,726 |
| Total risk-based capital ratio | 13.3456% | 4,637 |
| Memoranda: | ||
| Average total assets | $613,358,250 | 1,150 |
| Average earning assets | $561,623,750 | 1,153 |
| Average equity | $58,364,750 | 1,331 |
| Average total loans | $424,001,500 | 1,149 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 1,670 |
| Cost of funding earning assets | 0.0962% | 5,869 |
| Net interest margin | 4.3551% | 844 |
| Noninterest income to average assets | 1.1911% | 794 |
| Noninterest expense to average assets | 3.0563% | 2,189 |
| Loan and lease loss provision to assets | 0.1336% | 1,712 |
| Net operating income to assets | 1.2176% | 1,540 |
| Return on assets (ROA) | 1.2108% | 1,657 |
| Pretax return on assets | 1.9798% | 590 |
| Return on Equity (ROE) | 12.5527% | 1,151 |
| Retained earnings to average equity (ytd only) | 2.1671% | 4,486 |
| Net charge-offs to loans | 0.0231% | 3,031 |
| Credit loss provision to net charge-offs | 833.3333% | 425 |
| Earnings coverage of net charge-offs (x) | 132.5208% | 453 |
| Efficiency ratio | 58.9790% | 4,774 |
| Assets per employee ($millions) | 4.4373% | 3,137 |
| Cash dividends to net income (ytd only)* | 82.7358% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 1,922 |
| Loan loss allowance to noncurrent loans | 216.6442% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.9586% | 2,232 |
| Noncurrent loans to loans | 0.6853% | 3,021 |
| Net loans and leases to total assets | 70.7036% | 2,368 |
| Net loans and leases to deposits | 79.7181% | 2,965 |
| Net loans and leases to core deposits | 80.1858% | 3,444 |
| Total domestic deposits to total assets | 88.6920% | 1,067 |
| Equity capital to assets | 9.6436% | 4,620 |
| Core capital (leverage) ratio | 9.5075% | 4,199 |
| Tier 1 risk-based capital ratio | 12.0324% | 4,803 |
| Total risk-based capital ratio | 13.2842% | 4,716 |
| Memoranda: | ||
| Average total assets | $598,960,000 | 1,178 |
| Average earning assets | $548,642,000 | 1,182 |
| Average equity | $57,772,330 | 1,345 |
| Average total loans | $415,710,330 | 1,169 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 1,722 |
| Cost of funding earning assets | 0.0971% | 5,927 |
| Net interest margin | 4.3290% | 872 |
| Noninterest income to average assets | 1.0685% | 950 |
| Noninterest expense to average assets | 3.0581% | 2,215 |
| Loan and lease loss provision to assets | 0.1341% | 1,572 |
| Net operating income to assets | 1.1372% | 1,760 |
| Return on assets (ROA) | 1.1235% | 1,919 |
| Pretax return on assets | 1.8314% | 805 |
| Return on Equity (ROE) | 11.6470% | 1,412 |
| Retained earnings to average equity (ytd only) | 11.6470% | 556 |
| Net charge-offs to loans | 0.0786% | 1,699 |
| Credit loss provision to net charge-offs | 250.0000% | 940 |
| Earnings coverage of net charge-offs (x) | 37.0500% | 1,060 |
| Efficiency ratio | 60.5900% | 4,666 |
| Assets per employee ($millions) | 4.3726% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 1,951 |
| Loan loss allowance to noncurrent loans | 134.6806% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 1.0698% | 2,068 |
| Noncurrent loans to loans | 1.1194% | 2,157 |
| Net loans and leases to total assets | 68.0904% | 2,634 |
| Net loans and leases to deposits | 77.0111% | 3,105 |
| Net loans and leases to core deposits | 77.4645% | 3,548 |
| Total domestic deposits to total assets | 88.4163% | 1,397 |
| Equity capital to assets | 9.8920% | 4,221 |
| Core capital (leverage) ratio | 9.6984% | 3,914 |
| Tier 1 risk-based capital ratio | 12.9626% | 4,290 |
| Total risk-based capital ratio | 14.2149% | 4,205 |
| Memoranda: | ||
| Average total assets | $596,702,000 | 1,184 |
| Average earning assets | $548,113,000 | 1,184 |
| Average equity | $57,560,000 | 1,348 |
| Average total loans | $407,011,000 | 1,191 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 1,839 |
| Cost of funding earning assets | 0.1010% | 5,958 |
| Net interest margin | 4.3179% | 933 |
| Noninterest income to average assets | 1.3155% | 699 |
| Noninterest expense to average assets | 3.2286% | 1,891 |
| Loan and lease loss provision to assets | 0.1927% | 1,143 |
| Net operating income to assets | 1.1108% | 1,875 |
| Return on assets (ROA) | 1.1132% | 1,925 |
| Pretax return on assets | 1.8244% | 767 |
| Return on Equity (ROE) | 11.6163% | 1,407 |
| Retained earnings to average equity (ytd only) | 4.3024% | 2,917 |
| Net charge-offs to loans | 0.1214% | 2,166 |
| Credit loss provision to net charge-offs | 232.5581% | 1,227 |
| Earnings coverage of net charge-offs (x) | 24.2939% | 1,682 |
| Efficiency ratio | 61.5837% | 4,680 |
| Assets per employee ($millions) | 4.4682% | 3,096 |
| Cash dividends to net income (ytd only)* | 62.9624% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 1,959 |
| Loan loss allowance to noncurrent loans | 133.7000% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 1.0526% | 2,084 |
| Noncurrent loans to loans | 1.1283% | 2,084 |
| Net loans and leases to total assets | 66.2787% | 2,945 |
| Net loans and leases to deposits | 75.1400% | 3,366 |
| Net loans and leases to core deposits | 75.5808% | 3,793 |
| Total domestic deposits to total assets | 88.2069% | 1,531 |
| Equity capital to assets | 9.4023% | 4,670 |
| Core capital (leverage) ratio | 9.3838% | 4,349 |
| Tier 1 risk-based capital ratio | 12.7260% | 4,492 |
| Total risk-based capital ratio | 13.9780% | 4,398 |
| Memoranda: | ||
| Average total assets | $570,714,200 | 1,197 |
| Average earning assets | $518,978,600 | 1,211 |
| Average equity | $54,690,200 | 1,366 |
| Average total loans | $389,484,800 | 1,185 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4389% | 1,783 |
| Cost of funding earning assets | 0.1009% | 6,054 |
| Net interest margin | 4.3380% | 891 |
| Noninterest income to average assets | 1.3338% | 683 |
| Noninterest expense to average assets | 3.2765% | 1,760 |
| Loan and lease loss provision to assets | 0.2129% | 904 |
| Net operating income to assets | 1.0855% | 2,071 |
| Return on assets (ROA) | 1.0887% | 2,142 |
| Pretax return on assets | 1.7853% | 924 |
| Return on Equity (ROE) | 11.3046% | 1,594 |
| Retained earnings to average equity (ytd only) | 1.4809% | 5,125 |
| Net charge-offs to loans | 0.1499% | 1,637 |
| Credit loss provision to net charge-offs | 207.3733% | 1,300 |
| Earnings coverage of net charge-offs (x) | 19.4171% | 1,939 |
| Efficiency ratio | 62.1679% | 4,546 |
| Assets per employee ($millions) | 4.3939% | 3,173 |
| Cash dividends to net income (ytd only)* | 86.8998% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 2,128 |
| Loan loss allowance to noncurrent loans | 117.7747% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 1.2021% | 1,966 |
| Noncurrent loans to loans | 1.2792% | 1,998 |
| Net loans and leases to total assets | 63.7968% | 3,338 |
| Net loans and leases to deposits | 71.6548% | 3,810 |
| Net loans and leases to core deposits | 72.0667% | 4,184 |
| Total domestic deposits to total assets | 89.0334% | 1,012 |
| Equity capital to assets | 9.0610% | 5,258 |
| Core capital (leverage) ratio | 9.2754% | 4,617 |
| Tier 1 risk-based capital ratio | 12.6380% | 4,658 |
| Total risk-based capital ratio | 13.8899% | 4,564 |
| Memoranda: | ||
| Average total assets | $563,709,250 | 1,219 |
| Average earning assets | $511,465,000 | 1,232 |
| Average equity | $54,289,000 | 1,386 |
| Average total loans | $386,128,250 | 1,194 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 1,551 |
| Cost of funding earning assets | 0.1014% | 6,129 |
| Net interest margin | 4.3952% | 767 |
| Noninterest income to average assets | 1.3092% | 711 |
| Noninterest expense to average assets | 3.3460% | 1,586 |
| Loan and lease loss provision to assets | 0.2184% | 870 |
| Net operating income to assets | 1.0496% | 2,144 |
| Return on assets (ROA) | 1.0566% | 2,228 |
| Pretax return on assets | 1.7321% | 1,016 |
| Return on Equity (ROE) | 10.7377% | 1,770 |
| Retained earnings to average equity (ytd only) | -4.0576% | 5,977 |
| Net charge-offs to loans | 0.1412% | 1,656 |
| Credit loss provision to net charge-offs | 221.4022% | 1,136 |
| Earnings coverage of net charge-offs (x) | 19.6642% | 1,742 |
| Efficiency ratio | 63.3040% | 4,468 |
| Assets per employee ($millions) | 4.0369% | 3,808 |
| Cash dividends to net income (ytd only)* | 137.7885% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 2,432 |
| Loan loss allowance to noncurrent loans | 113.8243% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.4447% | 1,727 |
| Noncurrent loans to loans | 1.2870% | 2,098 |
| Net loans and leases to total assets | 69.7891% | 2,345 |
| Net loans and leases to deposits | 78.6100% | 2,957 |
| Net loans and leases to core deposits | 79.0137% | 3,483 |
| Total domestic deposits to total assets | 88.7790% | 1,253 |
| Equity capital to assets | 9.4558% | 4,703 |
| Core capital (leverage) ratio | 9.6152% | 4,119 |
| Tier 1 risk-based capital ratio | 12.2661% | 4,958 |
| Total risk-based capital ratio | 13.5178% | 4,860 |
| Memoranda: | ||
| Average total assets | $549,492,330 | 1,247 |
| Average earning assets | $497,138,330 | 1,267 |
| Average equity | $54,071,330 | 1,400 |
| Average total loans | $383,919,330 | 1,199 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3875% | 1,812 |
| Cost of funding earning assets | 0.1017% | 6,201 |
| Net interest margin | 4.2857% | 905 |
| Noninterest income to average assets | 1.5291% | 522 |
| Noninterest expense to average assets | 3.5141% | 1,275 |
| Loan and lease loss provision to assets | 0.2199% | 806 |
| Net operating income to assets | 1.0246% | 2,145 |
| Return on assets (ROA) | 1.0387% | 2,234 |
| Pretax return on assets | 1.7086% | 1,031 |
| Return on Equity (ROE) | 10.3490% | 1,847 |
| Retained earnings to average equity (ytd only) | 10.3490% | 838 |
| Net charge-offs to loans | 0.0306% | 2,577 |
| Credit loss provision to net charge-offs | 1,034.4828% | 326 |
| Earnings coverage of net charge-offs (x) | 89.6897% | 531 |
| Efficiency ratio | 64.8276% | 4,341 |
| Assets per employee ($millions) | 4.0685% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 2,501 |
| Loan loss allowance to noncurrent loans | 95.4144% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.7442% | 1,420 |
| Noncurrent loans to loans | 1.5578% | 1,800 |
| Net loans and leases to total assets | 68.5379% | 2,363 |
| Net loans and leases to deposits | 78.3458% | 2,754 |
| Net loans and leases to core deposits | 78.8396% | 3,293 |
| Total domestic deposits to total assets | 87.4813% | 2,117 |
| Equity capital to assets | 10.0615% | 4,074 |
| Core capital (leverage) ratio | 10.1362% | 3,420 |
| Tier 1 risk-based capital ratio | 13.1286% | 4,544 |
| Total risk-based capital ratio | 14.3803% | 4,458 |
| Memoranda: | ||
| Average total assets | $545,695,000 | 1,259 |
| Average earning assets | $495,503,000 | 1,282 |
| Average equity | $54,768,500 | 1,388 |
| Average total loans | $378,596,000 | 1,217 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5045% | 1,844 |
| Cost of funding earning assets | 0.1104% | 6,297 |
| Net interest margin | 4.3941% | 895 |
| Noninterest income to average assets | 1.2993% | 721 |
| Noninterest expense to average assets | 3.3201% | 1,874 |
| Loan and lease loss provision to assets | 0.2088% | 1,201 |
| Net operating income to assets | 1.0495% | 2,164 |
| Return on assets (ROA) | 1.0651% | 2,167 |
| Pretax return on assets | 1.7457% | 899 |
| Return on Equity (ROE) | 10.8156% | 1,784 |
| Retained earnings to average equity (ytd only) | 5.9958% | 1,936 |
| Net charge-offs to loans | 0.3273% | 1,348 |
| Credit loss provision to net charge-offs | 94.3396% | 2,551 |
| Earnings coverage of net charge-offs (x) | 8.7196% | 2,837 |
| Efficiency ratio | 63.2363% | 4,715 |
| Assets per employee ($millions) | 4.0457% | 3,845 |
| Cash dividends to net income (ytd only)* | 44.5633% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 2,627 |
| Loan loss allowance to noncurrent loans | 82.2792% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.8984% | 1,358 |
| Noncurrent loans to loans | 1.7798% | 1,616 |
| Net loans and leases to total assets | 68.1668% | 2,535 |
| Net loans and leases to deposits | 78.2865% | 2,939 |
| Net loans and leases to core deposits | 78.8403% | 3,430 |
| Total domestic deposits to total assets | 87.0735% | 2,238 |
| Equity capital to assets | 10.0107% | 4,100 |
| Core capital (leverage) ratio | 9.7539% | 3,899 |
| Tier 1 risk-based capital ratio | 13.1972% | 4,588 |
| Total risk-based capital ratio | 14.4487% | 4,514 |
| Memoranda: | ||
| Average total assets | $526,726,400 | 1,276 |
| Average earning assets | $473,614,000 | 1,292 |
| Average equity | $51,869,600 | 1,406 |
| Average total loans | $356,221,800 | 1,241 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4308% | 2,118 |
| Cost of funding earning assets | 0.1117% | 6,371 |
| Net interest margin | 4.3190% | 1,011 |
| Noninterest income to average assets | 1.2890% | 733 |
| Noninterest expense to average assets | 3.3141% | 1,874 |
| Loan and lease loss provision to assets | 0.1909% | 1,264 |
| Net operating income to assets | 1.0119% | 2,398 |
| Return on assets (ROA) | 1.0328% | 2,370 |
| Pretax return on assets | 1.6922% | 1,081 |
| Return on Equity (ROE) | 10.5323% | 1,978 |
| Retained earnings to average equity (ytd only) | 4.0437% | 3,774 |
| Net charge-offs to loans | 0.3846% | 1,039 |
| Credit loss provision to net charge-offs | 73.8189% | 2,698 |
| Earnings coverage of net charge-offs (x) | 7.1565% | 2,969 |
| Efficiency ratio | 64.1699% | 4,512 |
| Assets per employee ($millions) | 4.0151% | 3,845 |
| Cash dividends to net income (ytd only)* | 61.6067% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 2,990 |
| Loan loss allowance to noncurrent loans | 88.3263% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.8202% | 1,622 |
| Noncurrent loans to loans | 1.6314% | 1,999 |
| Net loans and leases to total assets | 66.2629% | 2,813 |
| Net loans and leases to deposits | 75.9702% | 3,184 |
| Net loans and leases to core deposits | 76.4547% | 3,692 |
| Total domestic deposits to total assets | 87.2223% | 2,182 |
| Equity capital to assets | 9.5589% | 4,721 |
| Core capital (leverage) ratio | 9.7746% | 3,960 |
| Tier 1 risk-based capital ratio | 12.9760% | 4,879 |
| Total risk-based capital ratio | 14.2272% | 4,798 |
| Memoranda: | ||
| Average total assets | $523,889,750 | 1,292 |
| Average earning assets | $470,096,500 | 1,311 |
| Average equity | $51,370,750 | 1,421 |
| Average total loans | $352,217,750 | 1,262 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 2,093 |
| Cost of funding earning assets | 0.1151% | 6,430 |
| Net interest margin | 4.3081% | 1,007 |
| Noninterest income to average assets | 1.3332% | 678 |
| Noninterest expense to average assets | 3.4285% | 1,621 |
| Loan and lease loss provision to assets | 0.1738% | 1,404 |
| Net operating income to assets | 0.9679% | 2,459 |
| Return on assets (ROA) | 0.9679% | 2,550 |
| Pretax return on assets | 1.5905% | 1,276 |
| Return on Equity (ROE) | 9.7846% | 2,248 |
| Retained earnings to average equity (ytd only) | 9.7846% | 770 |
| Net charge-offs to loans | 0.3498% | 1,172 |
| Credit loss provision to net charge-offs | 73.8916% | 2,404 |
| Earnings coverage of net charge-offs (x) | 7.5008% | 2,616 |
| Efficiency ratio | 66.0245% | 4,365 |
| Assets per employee ($millions) | 3.8544% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 2,913 |
| Loan loss allowance to noncurrent loans | 77.7762% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 2.0761% | 1,516 |
| Noncurrent loans to loans | 1.9248% | 1,771 |
| Net loans and leases to total assets | 67.7540% | 2,450 |
| Net loans and leases to deposits | 77.1235% | 2,910 |
| Net loans and leases to core deposits | 77.7654% | 3,470 |
| Total domestic deposits to total assets | 87.8513% | 1,999 |
| Equity capital to assets | 10.1881% | 3,849 |
| Core capital (leverage) ratio | 10.2650% | 3,250 |
| Tier 1 risk-based capital ratio | 13.3272% | 4,702 |
| Total risk-based capital ratio | 14.5788% | 4,637 |
| Memoranda: | ||
| Average total assets | $517,840,000 | 1,301 |
| Average earning assets | $463,914,000 | 1,327 |
| Average equity | $51,223,330 | 1,420 |
| Average total loans | $348,149,670 | 1,264 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3762% | 2,244 |
| Cost of funding earning assets | 0.1168% | 6,506 |
| Net interest margin | 4.2594% | 1,081 |
| Noninterest income to average assets | 1.2102% | 755 |
| Noninterest expense to average assets | 3.4294% | 1,632 |
| Loan and lease loss provision to assets | 0.1161% | 2,023 |
| Net operating income to assets | 0.9005% | 2,647 |
| Return on assets (ROA) | 0.9005% | 2,715 |
| Pretax return on assets | 1.4766% | 1,501 |
| Return on Equity (ROE) | 9.2433% | 2,355 |
| Retained earnings to average equity (ytd only) | 9.2433% | 1,178 |
| Net charge-offs to loans | -0.0559% | 5,850 |
| Credit loss provision to net charge-offs | -312.5000% | 5,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2855% | 4,137 |
| Assets per employee ($millions) | 3.8125% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 2,519 |
| Loan loss allowance to noncurrent loans | 66.7562% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 2.7562% | 1,094 |
| Noncurrent loans to loans | 2.4697% | 1,405 |
| Net loans and leases to total assets | 65.7533% | 2,610 |
| Net loans and leases to deposits | 74.8514% | 2,959 |
| Net loans and leases to core deposits | 75.4534% | 3,469 |
| Total domestic deposits to total assets | 87.8451% | 2,315 |
| Equity capital to assets | 9.8500% | 4,035 |
| Core capital (leverage) ratio | 10.0345% | 3,523 |
| Tier 1 risk-based capital ratio | 13.2593% | 4,856 |
| Total risk-based capital ratio | 14.5122% | 4,784 |
| Memoranda: | ||
| Average total assets | $516,588,000 | 1,306 |
| Average earning assets | $462,314,500 | 1,335 |
| Average equity | $50,328,500 | 1,439 |
| Average total loans | $343,268,500 | 1,278 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 2,442 |
| Cost of funding earning assets | 0.1393% | 6,575 |
| Net interest margin | 4.2973% | 1,112 |
| Noninterest income to average assets | 1.2443% | 898 |
| Noninterest expense to average assets | 3.4134% | 1,854 |
| Loan and lease loss provision to assets | 0.2819% | 1,225 |
| Net operating income to assets | 0.8398% | 3,088 |
| Return on assets (ROA) | 0.8398% | 3,166 |
| Pretax return on assets | 1.3646% | 1,918 |
| Return on Equity (ROE) | 8.3983% | 2,831 |
| Retained earnings to average equity (ytd only) | -0.6646% | 6,002 |
| Net charge-offs to loans | 0.4843% | 1,374 |
| Credit loss provision to net charge-offs | 89.2288% | 2,787 |
| Earnings coverage of net charge-offs (x) | 5.2110% | 3,356 |
| Efficiency ratio | 66.9506% | 4,377 |
| Assets per employee ($millions) | 3.7568% | 4,356 |
| Cash dividends to net income (ytd only)* | 107.9137% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 2,673 |
| Loan loss allowance to noncurrent loans | 99.6388% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 2.3191% | 1,509 |
| Noncurrent loans to loans | 1.6291% | 2,454 |
| Net loans and leases to total assets | 64.9679% | 2,875 |
| Net loans and leases to deposits | 74.2992% | 3,220 |
| Net loans and leases to core deposits | 74.8045% | 3,760 |
| Total domestic deposits to total assets | 87.4408% | 2,501 |
| Equity capital to assets | 9.6342% | 4,238 |
| Core capital (leverage) ratio | 9.7494% | 3,912 |
| Tier 1 risk-based capital ratio | 13.2466% | 4,827 |
| Total risk-based capital ratio | 14.4995% | 4,765 |
| Memoranda: | ||
| Average total assets | $496,572,400 | 1,338 |
| Average earning assets | $440,902,000 | 1,374 |
| Average equity | $49,652,800 | 1,421 |
| Average total loans | $323,939,400 | 1,319 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 2,410 |
| Cost of funding earning assets | 0.1434% | 6,662 |
| Net interest margin | 4.3082% | 1,075 |
| Noninterest income to average assets | 1.2467% | 944 |
| Noninterest expense to average assets | 3.4058% | 1,811 |
| Loan and lease loss provision to assets | 0.3252% | 1,023 |
| Net operating income to assets | 0.8219% | 3,245 |
| Return on assets (ROA) | 0.8219% | 3,362 |
| Pretax return on assets | 1.3348% | 2,193 |
| Return on Equity (ROE) | 8.1416% | 3,057 |
| Retained earnings to average equity (ytd only) | -3.9379% | 6,437 |
| Net charge-offs to loans | 0.6588% | 923 |
| Credit loss provision to net charge-offs | 75.9013% | 2,950 |
| Earnings coverage of net charge-offs (x) | 3.8748% | 3,593 |
| Efficiency ratio | 66.5472% | 4,386 |
| Assets per employee ($millions) | 3.8796% | 4,072 |
| Cash dividends to net income (ytd only)* | 148.3679% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6251% | 2,898 |
| Loan loss allowance to noncurrent loans | 88.4461% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 2.4118% | 1,607 |
| Noncurrent loans to loans | 1.8373% | 2,451 |
| Net loans and leases to total assets | 61.3166% | 3,475 |
| Net loans and leases to deposits | 69.5727% | 3,843 |
| Net loans and leases to core deposits | 70.1124% | 4,311 |
| Total domestic deposits to total assets | 88.1331% | 2,036 |
| Equity capital to assets | 9.3232% | 4,772 |
| Core capital (leverage) ratio | 9.6895% | 4,117 |
| Tier 1 risk-based capital ratio | 13.3658% | 4,864 |
| Total risk-based capital ratio | 14.6185% | 4,793 |
| Memoranda: | ||
| Average total assets | $492,046,500 | 1,358 |
| Average earning assets | $436,183,250 | 1,399 |
| Average equity | $49,669,750 | 1,434 |
| Average total loans | $319,951,500 | 1,332 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4765% | 2,284 |
| Cost of funding earning assets | 0.1483% | 6,717 |
| Net interest margin | 4.3282% | 981 |
| Noninterest income to average assets | 1.2395% | 1,018 |
| Noninterest expense to average assets | 3.3925% | 1,840 |
| Loan and lease loss provision to assets | 0.4569% | 631 |
| Net operating income to assets | 0.7535% | 3,549 |
| Return on assets (ROA) | 0.7535% | 3,700 |
| Pretax return on assets | 1.2092% | 2,633 |
| Return on Equity (ROE) | 7.2633% | 3,460 |
| Retained earnings to average equity (ytd only) | -10.7548% | 6,682 |
| Net charge-offs to loans | 0.9585% | 642 |
| Credit loss provision to net charge-offs | 72.2259% | 2,781 |
| Earnings coverage of net charge-offs (x) | 2.6336% | 3,645 |
| Efficiency ratio | 66.3492% | 4,487 |
| Assets per employee ($millions) | 3.6139% | 4,587 |
| Cash dividends to net income (ytd only)* | 248.0706% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 3,057 |
| Loan loss allowance to noncurrent loans | 69.2227% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 2.9032% | 1,409 |
| Noncurrent loans to loans | 2.3525% | 2,003 |
| Net loans and leases to total assets | 64.6850% | 2,811 |
| Net loans and leases to deposits | 73.4164% | 3,237 |
| Net loans and leases to core deposits | 74.1197% | 3,796 |
| Total domestic deposits to total assets | 88.1071% | 2,169 |
| Equity capital to assets | 9.6719% | 4,351 |
| Core capital (leverage) ratio | 9.9209% | 3,633 |
| Tier 1 risk-based capital ratio | 12.9259% | 5,199 |
| Total risk-based capital ratio | 14.1785% | 5,131 |
| Memoranda: | ||
| Average total assets | $481,479,000 | 1,383 |
| Average earning assets | $424,837,330 | 1,441 |
| Average equity | $49,949,670 | 1,432 |
| Average total loans | $317,785,330 | 1,334 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3815% | 2,591 |
| Cost of funding earning assets | 0.1522% | 6,793 |
| Net interest margin | 4.2293% | 1,119 |
| Noninterest income to average assets | 1.3231% | 881 |
| Noninterest expense to average assets | 3.5217% | 1,577 |
| Loan and lease loss provision to assets | 0.5877% | 437 |
| Net operating income to assets | 0.6019% | 4,206 |
| Return on assets (ROA) | 0.6019% | 4,360 |
| Pretax return on assets | 0.9453% | 3,584 |
| Return on Equity (ROE) | 5.6064% | 4,261 |
| Retained earnings to average equity (ytd only) | -2.1346% | 6,090 |
| Net charge-offs to loans | 0.7731% | 789 |
| Credit loss provision to net charge-offs | 114.9425% | 1,646 |
| Earnings coverage of net charge-offs (x) | 2.9984% | 2,876 |
| Efficiency ratio | 68.9586% | 4,151 |
| Assets per employee ($millions) | 3.5294% | 4,924 |
| Cash dividends to net income (ytd only)* | 138.0753% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8386% | 2,486 |
| Loan loss allowance to noncurrent loans | 40.5945% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 4.0974% | 957 |
| Noncurrent loans to loans | 4.5291% | 916 |
| Net loans and leases to total assets | 64.7329% | 2,576 |
| Net loans and leases to deposits | 74.7628% | 2,804 |
| Net loans and leases to core deposits | 75.4715% | 3,392 |
| Total domestic deposits to total assets | 86.5844% | 3,188 |
| Equity capital to assets | 10.6910% | 3,334 |
| Core capital (leverage) ratio | 10.6068% | 2,647 |
| Tier 1 risk-based capital ratio | 14.0969% | 4,434 |
| Total risk-based capital ratio | 15.3519% | 4,390 |
| Memoranda: | ||
| Average total assets | $476,471,500 | 1,410 |
| Average earning assets | $420,403,000 | 1,469 |
| Average equity | $51,156,000 | 1,419 |
| Average total loans | $315,085,000 | 1,352 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5663% | 3,141 |
| Cost of funding earning assets | 0.2137% | 6,797 |
| Net interest margin | 4.3525% | 1,278 |
| Noninterest income to average assets | 1.1499% | 1,183 |
| Noninterest expense to average assets | 3.7552% | 1,321 |
| Loan and lease loss provision to assets | 0.5080% | 1,157 |
| Net operating income to assets | 0.4388% | 4,930 |
| Return on assets (ROA) | 0.4946% | 4,959 |
| Pretax return on assets | 0.7771% | 4,380 |
| Return on Equity (ROE) | 4.5723% | 4,892 |
| Retained earnings to average equity (ytd only) | 4.5723% | 3,007 |
| Net charge-offs to loans | 1.1814% | 858 |
| Credit loss provision to net charge-offs | 65.7895% | 4,294 |
| Earnings coverage of net charge-offs (x) | 1.5515% | 4,667 |
| Efficiency ratio | 75.0600% | 2,898 |
| Assets per employee ($millions) | 3.4527% | 5,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7996% | 2,581 |
| Loan loss allowance to noncurrent loans | 41.5097% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 3.9862% | 1,074 |
| Noncurrent loans to loans | 4.3354% | 1,012 |
| Net loans and leases to total assets | 65.1190% | 2,690 |
| Net loans and leases to deposits | 75.3014% | 2,904 |
| Net loans and leases to core deposits | 75.9902% | 3,535 |
| Total domestic deposits to total assets | 86.4778% | 3,110 |
| Equity capital to assets | 10.7818% | 3,190 |
| Core capital (leverage) ratio | 10.4259% | 2,854 |
| Tier 1 risk-based capital ratio | 14.0554% | 4,342 |
| Total risk-based capital ratio | 15.3103% | 4,299 |
| Memoranda: | ||
| Average total assets | $462,636,400 | 1,424 |
| Average earning assets | $404,247,800 | 1,491 |
| Average equity | $50,040,400 | 1,420 |
| Average total loans | $302,348,000 | 1,385 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5749% | 3,311 |
| Cost of funding earning assets | 0.2278% | 6,881 |
| Net interest margin | 4.3471% | 1,352 |
| Noninterest income to average assets | 1.1461% | 1,158 |
| Noninterest expense to average assets | 3.7437% | 1,298 |
| Loan and lease loss provision to assets | 0.5517% | 1,046 |
| Net operating income to assets | 0.4065% | 5,221 |
| Return on assets (ROA) | 0.4814% | 5,172 |
| Pretax return on assets | 0.7628% | 4,623 |
| Return on Equity (ROE) | 4.4472% | 5,071 |
| Retained earnings to average equity (ytd only) | 4.4472% | 3,767 |
| Net charge-offs to loans | 1.4633% | 603 |
| Credit loss provision to net charge-offs | 57.9092% | 4,210 |
| Earnings coverage of net charge-offs (x) | 1.2569% | 4,653 |
| Efficiency ratio | 75.0015% | 2,828 |
| Assets per employee ($millions) | 3.4219% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8423% | 2,667 |
| Loan loss allowance to noncurrent loans | 36.7780% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 4.2858% | 1,098 |
| Noncurrent loans to loans | 5.0091% | 900 |
| Net loans and leases to total assets | 62.8171% | 3,240 |
| Net loans and leases to deposits | 72.3949% | 3,550 |
| Net loans and leases to core deposits | 73.2286% | 4,083 |
| Total domestic deposits to total assets | 86.7700% | 2,817 |
| Equity capital to assets | 10.8443% | 3,449 |
| Core capital (leverage) ratio | 10.5298% | 2,878 |
| Tier 1 risk-based capital ratio | 14.3964% | 4,263 |
| Total risk-based capital ratio | 15.6515% | 4,233 |
| Memoranda: | ||
| Average total assets | $459,178,500 | 1,450 |
| Average earning assets | $400,870,250 | 1,519 |
| Average equity | $49,707,500 | 1,438 |
| Average total loans | $298,945,750 | 1,417 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5785% | 3,446 |
| Cost of funding earning assets | 0.2391% | 6,947 |
| Net interest margin | 4.3394% | 1,368 |
| Noninterest income to average assets | 1.0356% | 1,362 |
| Noninterest expense to average assets | 3.7809% | 1,245 |
| Loan and lease loss provision to assets | 0.3948% | 1,664 |
| Net operating income to assets | 0.3890% | 5,250 |
| Return on assets (ROA) | 0.4483% | 5,275 |
| Pretax return on assets | 0.7264% | 4,749 |
| Return on Equity (ROE) | 4.1435% | 5,204 |
| Retained earnings to average equity (ytd only) | 4.1435% | 3,855 |
| Net charge-offs to loans | 1.0884% | 1,001 |
| Credit loss provision to net charge-offs | 55.3846% | 3,918 |
| Earnings coverage of net charge-offs (x) | 1.4431% | 4,275 |
| Efficiency ratio | 77.8203% | 2,485 |
| Assets per employee ($millions) | 3.3925% | 5,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0127% | 2,194 |
| Loan loss allowance to noncurrent loans | 47.7968% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 4.5458% | 1,086 |
| Noncurrent loans to loans | 4.2110% | 1,295 |
| Net loans and leases to total assets | 66.2152% | 2,627 |
| Net loans and leases to deposits | 76.1308% | 2,970 |
| Net loans and leases to core deposits | 76.9903% | 3,659 |
| Total domestic deposits to total assets | 86.9755% | 2,779 |
| Equity capital to assets | 10.9858% | 3,136 |
| Core capital (leverage) ratio | 10.5027% | 2,796 |
| Tier 1 risk-based capital ratio | 13.7384% | 4,631 |
| Total risk-based capital ratio | 14.9956% | 4,603 |
| Memoranda: | ||
| Average total assets | $455,971,670 | 1,461 |
| Average earning assets | $396,551,330 | 1,536 |
| Average equity | $49,330,670 | 1,440 |
| Average total loans | $298,590,000 | 1,424 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 4,008 |
| Cost of funding earning assets | 0.2486% | 7,011 |
| Net interest margin | 4.2301% | 1,674 |
| Noninterest income to average assets | 1.0669% | 1,266 |
| Noninterest expense to average assets | 3.8453% | 1,142 |
| Loan and lease loss provision to assets | 0.5256% | 1,144 |
| Net operating income to assets | 0.2359% | 5,863 |
| Return on assets (ROA) | 0.2645% | 5,933 |
| Pretax return on assets | 0.4222% | 5,661 |
| Return on Equity (ROE) | 2.4640% | 5,918 |
| Retained earnings to average equity (ytd only) | 2.4640% | 5,026 |
| Net charge-offs to loans | 1.0683% | 965 |
| Credit loss provision to net charge-offs | 76.3359% | 2,797 |
| Earnings coverage of net charge-offs (x) | 1.3117% | 3,677 |
| Efficiency ratio | 80.1882% | 2,175 |
| Assets per employee ($millions) | 3.2557% | 5,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2846% | 1,701 |
| Loan loss allowance to noncurrent loans | 42.0020% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 5.2229% | 976 |
| Noncurrent loans to loans | 5.4392% | 984 |
| Net loans and leases to total assets | 62.6313% | 3,138 |
| Net loans and leases to deposits | 72.0177% | 3,434 |
| Net loans and leases to core deposits | 72.9097% | 4,032 |
| Total domestic deposits to total assets | 86.9665% | 2,970 |
| Equity capital to assets | 10.7240% | 3,232 |
| Core capital (leverage) ratio | 10.1399% | 3,188 |
| Tier 1 risk-based capital ratio | 13.9764% | 4,487 |
| Total risk-based capital ratio | 15.2367% | 4,440 |
| Memoranda: | ||
| Average total assets | $456,658,500 | 1,462 |
| Average earning assets | $397,436,500 | 1,527 |
| Average equity | $49,025,500 | 1,439 |
| Average total loans | $294,287,000 | 1,445 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6113% | 4,633 |
| Cost of funding earning assets | 0.3664% | 6,971 |
| Net interest margin | 4.2448% | 1,908 |
| Noninterest income to average assets | 1.1409% | 1,008 |
| Noninterest expense to average assets | 3.8450% | 1,266 |
| Loan and lease loss provision to assets | 0.7508% | 1,343 |
| Net operating income to assets | 0.1654% | 5,689 |
| Return on assets (ROA) | 0.2668% | 5,529 |
| Pretax return on assets | 0.3756% | 5,362 |
| Return on Equity (ROE) | 2.5868% | 5,447 |
| Retained earnings to average equity (ytd only) | 2.5868% | 4,383 |
| Net charge-offs to loans | 1.2944% | 1,273 |
| Credit loss provision to net charge-offs | 89.3769% | 4,035 |
| Earnings coverage of net charge-offs (x) | 1.1708% | 4,914 |
| Efficiency ratio | 78.8627% | 2,478 |
| Assets per employee ($millions) | 3.1990% | 5,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3469% | 1,547 |
| Loan loss allowance to noncurrent loans | 41.0482% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 5.6029% | 906 |
| Noncurrent loans to loans | 5.7175% | 907 |
| Net loans and leases to total assets | 63.2745% | 3,336 |
| Net loans and leases to deposits | 73.3619% | 3,610 |
| Net loans and leases to core deposits | 74.4965% | 4,177 |
| Total domestic deposits to total assets | 86.2498% | 3,167 |
| Equity capital to assets | 10.7475% | 3,250 |
| Core capital (leverage) ratio | 9.8491% | 3,519 |
| Tier 1 risk-based capital ratio | 13.7211% | 4,541 |
| Total risk-based capital ratio | 14.9823% | 4,498 |
| Memoranda: | ||
| Average total assets | $466,193,400 | 1,413 |
| Average earning assets | $404,985,200 | 1,471 |
| Average equity | $48,090,200 | 1,418 |
| Average total loans | $302,542,200 | 1,408 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 4,915 |
| Cost of funding earning assets | 0.3971% | 7,027 |
| Net interest margin | 4.1894% | 2,144 |
| Noninterest income to average assets | 1.2126% | 895 |
| Noninterest expense to average assets | 3.8950% | 1,163 |
| Loan and lease loss provision to assets | 0.7673% | 1,228 |
| Net operating income to assets | 0.1357% | 5,873 |
| Return on assets (ROA) | 0.2592% | 5,692 |
| Pretax return on assets | 0.3666% | 5,560 |
| Return on Equity (ROE) | 2.5382% | 5,608 |
| Retained earnings to average equity (ytd only) | 2.5382% | 4,845 |
| Net charge-offs to loans | 1.5601% | 911 |
| Credit loss provision to net charge-offs | 75.7576% | 4,284 |
| Earnings coverage of net charge-offs (x) | 0.9478% | 4,911 |
| Efficiency ratio | 79.4662% | 2,338 |
| Assets per employee ($millions) | 3.2997% | 5,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1838% | 1,894 |
| Loan loss allowance to noncurrent loans | 41.5541% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 5.1929% | 1,102 |
| Noncurrent loans to loans | 5.2554% | 1,158 |
| Net loans and leases to total assets | 61.3213% | 3,880 |
| Net loans and leases to deposits | 70.4649% | 4,227 |
| Net loans and leases to core deposits | 71.9347% | 4,722 |
| Total domestic deposits to total assets | 87.0239% | 2,644 |
| Equity capital to assets | 10.3029% | 3,947 |
| Core capital (leverage) ratio | 9.6960% | 3,854 |
| Tier 1 risk-based capital ratio | 13.6018% | 4,648 |
| Total risk-based capital ratio | 14.8613% | 4,611 |
| Memoranda: | ||
| Average total assets | $469,176,250 | 1,419 |
| Average earning assets | $407,904,750 | 1,479 |
| Average equity | $47,907,250 | 1,429 |
| Average total loans | $304,592,750 | 1,409 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 4,799 |
| Cost of funding earning assets | 0.4435% | 7,032 |
| Net interest margin | 4.1955% | 2,053 |
| Noninterest income to average assets | 1.2198% | 851 |
| Noninterest expense to average assets | 3.8998% | 1,192 |
| Loan and lease loss provision to assets | 0.9823% | 890 |
| Net operating income to assets | -0.0123% | 6,243 |
| Return on assets (ROA) | 0.1995% | 5,857 |
| Pretax return on assets | 0.2473% | 5,814 |
| Return on Equity (ROE) | 1.9592% | 5,801 |
| Retained earnings to average equity (ytd only) | 1.9592% | 5,000 |
| Net charge-offs to loans | 1.5329% | 962 |
| Credit loss provision to net charge-offs | 97.5817% | 3,231 |
| Earnings coverage of net charge-offs (x) | 0.9618% | 4,579 |
| Efficiency ratio | 79.3473% | 2,499 |
| Assets per employee ($millions) | 3.1655% | 5,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3950% | 1,601 |
| Loan loss allowance to noncurrent loans | 34.5455% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 6.1237% | 912 |
| Noncurrent loans to loans | 6.9328% | 753 |
| Net loans and leases to total assets | 65.4248% | 3,155 |
| Net loans and leases to deposits | 74.5505% | 3,710 |
| Net loans and leases to core deposits | 76.3231% | 4,269 |
| Total domestic deposits to total assets | 87.7590% | 2,311 |
| Equity capital to assets | 10.6219% | 3,360 |
| Core capital (leverage) ratio | 9.5598% | 3,867 |
| Tier 1 risk-based capital ratio | 13.2734% | 4,711 |
| Total risk-based capital ratio | 14.5358% | 4,677 |
| Memoranda: | ||
| Average total assets | $468,282,000 | 1,432 |
| Average earning assets | $407,202,670 | 1,493 |
| Average equity | $47,671,330 | 1,415 |
| Average total loans | $307,520,330 | 1,411 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5896% | 4,995 |
| Cost of funding earning assets | 0.4823% | 7,033 |
| Net interest margin | 4.1073% | 2,241 |
| Noninterest income to average assets | 1.8761% | 400 |
| Noninterest expense to average assets | 3.8547% | 1,239 |
| Loan and lease loss provision to assets | 1.4283% | 458 |
| Net operating income to assets | 0.1386% | 5,977 |
| Return on assets (ROA) | 0.2453% | 5,696 |
| Pretax return on assets | 0.3167% | 5,611 |
| Return on Equity (ROE) | 2.4607% | 5,612 |
| Retained earnings to average equity (ytd only) | 2.4607% | 4,678 |
| Net charge-offs to loans | 0.3424% | 2,691 |
| Credit loss provision to net charge-offs | 641.5094% | 587 |
| Earnings coverage of net charge-offs (x) | 7.2151% | 1,980 |
| Efficiency ratio | 69.9231% | 4,292 |
| Assets per employee ($millions) | 3.3246% | 5,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8750% | 1,035 |
| Loan loss allowance to noncurrent loans | 35.7423% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 7.1626% | 730 |
| Noncurrent loans to loans | 8.0437% | 616 |
| Net loans and leases to total assets | 63.1233% | 3,621 |
| Net loans and leases to deposits | 71.1823% | 4,169 |
| Net loans and leases to core deposits | 73.1326% | 4,633 |
| Total domestic deposits to total assets | 88.6784% | 1,971 |
| Equity capital to assets | 10.1400% | 3,607 |
| Core capital (leverage) ratio | 9.1525% | 4,372 |
| Tier 1 risk-based capital ratio | 13.0750% | 4,768 |
| Total risk-based capital ratio | 14.3422% | 4,737 |
| Memoranda: | ||
| Average total assets | $476,088,500 | 1,420 |
| Average earning assets | $415,550,000 | 1,473 |
| Average equity | $47,466,000 | 1,414 |
| Average total loans | $309,568,000 | 1,411 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9717% | 4,685 |
| Cost of funding earning assets | 0.6813% | 6,928 |
| Net interest margin | 4.2903% | 1,857 |
| Noninterest income to average assets | 1.3890% | 754 |
| Noninterest expense to average assets | 3.6965% | 1,707 |
| Loan and lease loss provision to assets | 1.0935% | 1,464 |
| Net operating income to assets | 0.1000% | 5,590 |
| Return on assets (ROA) | 0.2569% | 5,243 |
| Pretax return on assets | 0.3790% | 5,007 |
| Return on Equity (ROE) | 2.7543% | 5,056 |
| Retained earnings to average equity (ytd only) | 2.7543% | 3,928 |
| Net charge-offs to loans | 2.3921% | 793 |
| Credit loss provision to net charge-offs | 71.0227% | 5,835 |
| Earnings coverage of net charge-offs (x) | 0.8066% | 5,324 |
| Efficiency ratio | 74.1565% | 3,363 |
| Assets per employee ($millions) | 3.3570% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3290% | 1,650 |
| Loan loss allowance to noncurrent loans | 28.8858% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 7.0793% | 763 |
| Noncurrent loans to loans | 8.0626% | 643 |
| Net loans and leases to total assets | 63.5385% | 3,964 |
| Net loans and leases to deposits | 72.1837% | 4,487 |
| Net loans and leases to core deposits | 74.2079% | 4,954 |
| Total domestic deposits to total assets | 88.0234% | 2,238 |
| Equity capital to assets | 9.8052% | 3,991 |
| Core capital (leverage) ratio | 8.9422% | 4,631 |
| Tier 1 risk-based capital ratio | 12.7604% | 4,809 |
| Total risk-based capital ratio | 14.0222% | 4,762 |
| Memoranda: | ||
| Average total assets | $502,963,000 | 1,332 |
| Average earning assets | $416,098,800 | 1,459 |
| Average equity | $46,908,400 | 1,425 |
| Average total loans | $323,738,600 | 1,383 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0631% | 4,522 |
| Cost of funding earning assets | 0.7244% | 6,993 |
| Net interest margin | 4.3387% | 1,718 |
| Noninterest income to average assets | 1.4122% | 679 |
| Noninterest expense to average assets | 3.7225% | 1,523 |
| Loan and lease loss provision to assets | 0.9714% | 1,542 |
| Net operating income to assets | 0.1760% | 5,571 |
| Return on assets (ROA) | 0.3132% | 5,287 |
| Pretax return on assets | 0.4642% | 5,030 |
| Return on Equity (ROE) | 3.3998% | 5,049 |
| Retained earnings to average equity (ytd only) | 3.3998% | 4,056 |
| Net charge-offs to loans | 2.7181% | 597 |
| Credit loss provision to net charge-offs | 55.6642% | 5,791 |
| Earnings coverage of net charge-offs (x) | 0.7053% | 5,349 |
| Efficiency ratio | 74.4633% | 3,233 |
| Assets per employee ($millions) | 3.3994% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0681% | 2,072 |
| Loan loss allowance to noncurrent loans | 26.5530% | 6,542 |
| Noncurrent assets plus other real estate owned to assets | 6.9436% | 784 |
| Noncurrent loans to loans | 7.7887% | 682 |
| Net loans and leases to total assets | 64.0474% | 4,120 |
| Net loans and leases to deposits | 72.4544% | 4,767 |
| Net loans and leases to core deposits | 74.8042% | 5,189 |
| Total domestic deposits to total assets | 88.3969% | 1,730 |
| Equity capital to assets | 9.7901% | 4,426 |
| Core capital (leverage) ratio | 8.8624% | 4,902 |
| Tier 1 risk-based capital ratio | 12.3945% | 5,081 |
| Total risk-based capital ratio | 13.6530% | 5,047 |
| Memoranda: | ||
| Average total assets | $507,851,500 | 1,325 |
| Average earning assets | $414,490,000 | 1,484 |
| Average equity | $46,785,750 | 1,445 |
| Average total loans | $326,054,500 | 1,389 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0345% | 4,774 |
| Cost of funding earning assets | 0.7787% | 6,978 |
| Net interest margin | 4.2558% | 1,938 |
| Noninterest income to average assets | 1.4534% | 600 |
| Noninterest expense to average assets | 3.7077% | 1,546 |
| Loan and lease loss provision to assets | 0.9339% | 1,568 |
| Net operating income to assets | 0.2003% | 5,558 |
| Return on assets (ROA) | 0.3561% | 5,106 |
| Pretax return on assets | 0.5148% | 4,860 |
| Return on Equity (ROE) | 3.9434% | 4,802 |
| Retained earnings to average equity (ytd only) | 3.9434% | 3,570 |
| Net charge-offs to loans | 3.5491% | 412 |
| Credit loss provision to net charge-offs | 41.2300% | 5,593 |
| Earnings coverage of net charge-offs (x) | 0.5399% | 5,194 |
| Efficiency ratio | 74.5087% | 3,369 |
| Assets per employee ($millions) | 3.5074% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8945% | 2,425 |
| Loan loss allowance to noncurrent loans | 34.8726% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 5.4146% | 1,147 |
| Noncurrent loans to loans | 5.4325% | 1,218 |
| Net loans and leases to total assets | 63.0270% | 4,461 |
| Net loans and leases to deposits | 74.7084% | 4,565 |
| Net loans and leases to core deposits | 77.1372% | 5,069 |
| Total domestic deposits to total assets | 84.3641% | 3,928 |
| Equity capital to assets | 9.4537% | 4,775 |
| Core capital (leverage) ratio | 8.4567% | 5,484 |
| Tier 1 risk-based capital ratio | 11.7444% | 5,544 |
| Total risk-based capital ratio | 13.0004% | 5,503 |
| Memoranda: | ||
| Average total assets | $513,964,000 | 1,314 |
| Average earning assets | $419,940,330 | 1,476 |
| Average equity | $46,406,330 | 1,450 |
| Average total loans | $328,025,330 | 1,394 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0918% | 4,570 |
| Cost of funding earning assets | 0.8105% | 7,057 |
| Net interest margin | 4.2812% | 1,749 |
| Noninterest income to average assets | 0.9043% | 1,605 |
| Noninterest expense to average assets | 3.4960% | 1,991 |
| Loan and lease loss provision to assets | 1.1574% | 1,055 |
| Net operating income to assets | -0.2415% | 6,594 |
| Return on assets (ROA) | 0.1983% | 5,814 |
| Pretax return on assets | 0.1875% | 5,911 |
| Return on Equity (ROE) | 2.2477% | 5,655 |
| Retained earnings to average equity (ytd only) | 2.2477% | 4,785 |
| Net charge-offs to loans | 3.3984% | 424 |
| Credit loss provision to net charge-offs | 53.5332% | 4,426 |
| Earnings coverage of net charge-offs (x) | 0.4186% | 4,657 |
| Efficiency ratio | 78.6816% | 2,779 |
| Assets per employee ($millions) | 3.1047% | 5,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5307% | 1,254 |
| Loan loss allowance to noncurrent loans | 45.4926% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 5.7135% | 1,069 |
| Noncurrent loans to loans | 5.5629% | 1,249 |
| Net loans and leases to total assets | 62.5260% | 4,652 |
| Net loans and leases to deposits | 73.4798% | 4,828 |
| Net loans and leases to core deposits | 76.0885% | 5,247 |
| Total domestic deposits to total assets | 85.0927% | 3,623 |
| Equity capital to assets | 9.1793% | 5,017 |
| Core capital (leverage) ratio | 8.1163% | 6,045 |
| Tier 1 risk-based capital ratio | 11.1159% | 6,041 |
| Total risk-based capital ratio | 12.3788% | 5,997 |
| Memoranda: | ||
| Average total assets | $518,415,500 | 1,346 |
| Average earning assets | $423,428,500 | 1,512 |
| Average equity | $45,736,000 | 1,472 |
| Average total loans | $329,802,000 | 1,427 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5253% | 4,013 |
| Cost of funding earning assets | 0.7942% | 7,564 |
| Net interest margin | 4.7311% | 794 |
| Noninterest income to average assets | 0.1314% | 7,097 |
| Noninterest expense to average assets | 4.2160% | 1,077 |
| Loan and lease loss provision to assets | 2.9873% | 581 |
| Net operating income to assets | -1.7426% | 6,985 |
| Return on assets (ROA) | -1.7413% | 6,990 |
| Pretax return on assets | -3.0394% | 7,302 |
| Return on Equity (ROE) | -18.3902% | 7,091 |
| Retained earnings to average equity (ytd only) | -18.3902% | 7,047 |
| Net charge-offs to loans | 3.4365% | 571 |
| Credit loss provision to net charge-offs | 119.2827% | 4,499 |
| Earnings coverage of net charge-offs (x) | -0.0216% | 6,229 |
| Efficiency ratio | 100.4455% | 1,078 |
| Assets per employee ($millions) | 3.2372% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8735% | 860 |
| Loan loss allowance to noncurrent loans | 66.9559% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 4.8315% | 1,297 |
| Noncurrent loans to loans | 4.2916% | 1,687 |
| Net loans and leases to total assets | 61.2906% | 5,143 |
| Net loans and leases to deposits | 74.0126% | 5,036 |
| Net loans and leases to core deposits | 84.6705% | 5,660 |
| Total domestic deposits to total assets | 82.8111% | 4,606 |
| Equity capital to assets | 8.4777% | 5,915 |
| Core capital (leverage) ratio | 7.3943% | 6,893 |
| Tier 1 risk-based capital ratio | 9.7738% | 7,042 |
| Total risk-based capital ratio | 11.0384% | 7,017 |
| Memoranda: | ||
| Average total assets | $485,385,000 | 1,426 |
| Average earning assets | $413,495,800 | 1,528 |
| Average equity | $45,959,200 | 1,464 |
| Average total loans | $353,734,600 | 1,365 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5734% | 4,015 |
| Cost of funding earning assets | 0.7857% | 7,715 |
| Net interest margin | 4.7877% | 702 |
| Noninterest income to average assets | 0.8070% | 2,392 |
| Noninterest expense to average assets | 4.2710% | 946 |
| Loan and lease loss provision to assets | 3.1731% | 439 |
| Net operating income to assets | -1.4259% | 7,073 |
| Return on assets (ROA) | -1.4259% | 7,067 |
| Pretax return on assets | -2.5098% | 7,349 |
| Return on Equity (ROE) | -14.6340% | 7,168 |
| Retained earnings to average equity (ytd only) | -14.6340% | 7,109 |
| Net charge-offs to loans | 3.7793% | 386 |
| Credit loss provision to net charge-offs | 111.0674% | 4,580 |
| Earnings coverage of net charge-offs (x) | 0.2322% | 5,786 |
| Efficiency ratio | 85.8183% | 2,080 |
| Assets per employee ($millions) | 2.9711% | 6,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4260% | 1,139 |
| Loan loss allowance to noncurrent loans | 48.5324% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 6.5268% | 768 |
| Noncurrent loans to loans | 4.9987% | 1,329 |
| Net loans and leases to total assets | 66.8845% | 4,217 |
| Net loans and leases to deposits | 78.4951% | 4,664 |
| Net loans and leases to core deposits | 87.5988% | 5,680 |
| Total domestic deposits to total assets | 85.2086% | 3,121 |
| Equity capital to assets | 9.5420% | 4,691 |
| Core capital (leverage) ratio | 8.9655% | 4,699 |
| Tier 1 risk-based capital ratio | 11.1360% | 5,828 |
| Total risk-based capital ratio | 12.3967% | 5,756 |
| Memoranda: | ||
| Average total assets | $474,815,000 | 1,473 |
| Average earning assets | $409,316,500 | 1,562 |
| Average equity | $46,265,500 | 1,477 |
| Average total loans | $358,924,000 | 1,360 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6324% | 3,900 |
| Cost of funding earning assets | 0.7765% | 7,847 |
| Net interest margin | 4.8559% | 594 |
| Noninterest income to average assets | 0.8430% | 2,203 |
| Noninterest expense to average assets | 4.3997% | 855 |
| Loan and lease loss provision to assets | 3.7577% | 354 |
| Net operating income to assets | -1.7521% | 7,345 |
| Return on assets (ROA) | -1.7521% | 7,335 |
| Pretax return on assets | -3.0736% | 7,589 |
| Return on Equity (ROE) | -17.8491% | 7,450 |
| Retained earnings to average equity (ytd only) | -17.8491% | 7,388 |
| Net charge-offs to loans | 3.3488% | 474 |
| Credit loss provision to net charge-offs | 143.6310% | 3,229 |
| Earnings coverage of net charge-offs (x) | 0.2615% | 5,410 |
| Efficiency ratio | 85.8084% | 2,246 |
| Assets per employee ($millions) | 2.6584% | 6,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7164% | 736 |
| Loan loss allowance to noncurrent loans | 31.5961% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 7.6188% | 517 |
| Noncurrent loans to loans | 8.5971% | 477 |
| Net loans and leases to total assets | 76.5109% | 2,053 |
| Net loans and leases to deposits | 87.8371% | 3,196 |
| Net loans and leases to core deposits | 97.5833% | 4,734 |
| Total domestic deposits to total assets | 87.1054% | 2,197 |
| Equity capital to assets | 10.5373% | 3,355 |
| Core capital (leverage) ratio | 9.9620% | 3,331 |
| Tier 1 risk-based capital ratio | 12.1272% | 4,823 |
| Total risk-based capital ratio | 13.3932% | 4,714 |
| Memoranda: | ||
| Average total assets | $465,714,670 | 1,526 |
| Average earning assets | $406,718,670 | 1,598 |
| Average equity | $45,716,670 | 1,505 |
| Average total loans | $363,836,000 | 1,368 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4775% | 5,029 |
| Cost of funding earning assets | 0.7722% | 7,937 |
| Net interest margin | 4.7053% | 755 |
| Noninterest income to average assets | 0.8611% | 2,030 |
| Noninterest expense to average assets | 4.1833% | 961 |
| Loan and lease loss provision to assets | 2.4824% | 466 |
| Net operating income to assets | -0.9399% | 7,215 |
| Return on assets (ROA) | -0.9399% | 7,243 |
| Pretax return on assets | -1.7206% | 7,445 |
| Return on Equity (ROE) | -9.9358% | 7,361 |
| Retained earnings to average equity (ytd only) | -9.9358% | 7,104 |
| Net charge-offs to loans | 0.5233% | 2,148 |
| Credit loss provision to net charge-offs | 609.2437% | 934 |
| Earnings coverage of net charge-offs (x) | 1.8697% | 3,796 |
| Efficiency ratio | 83.8497% | 2,322 |
| Assets per employee ($millions) | 2.6853% | 6,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6695% | 645 |
| Loan loss allowance to noncurrent loans | 31.2314% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 7.1863% | 460 |
| Noncurrent loans to loans | 8.5475% | 393 |
| Net loans and leases to total assets | 73.5950% | 2,870 |
| Net loans and leases to deposits | 88.3919% | 3,217 |
| Net loans and leases to core deposits | 97.5997% | 4,788 |
| Total domestic deposits to total assets | 83.2599% | 4,014 |
| Equity capital to assets | 9.1502% | 5,153 |
| Core capital (leverage) ratio | 9.1937% | 4,414 |
| Tier 1 risk-based capital ratio | 10.6931% | 6,193 |
| Total risk-based capital ratio | 11.9581% | 6,086 |
| Memoranda: | ||
| Average total assets | $467,288,500 | 1,531 |
| Average earning assets | $405,584,000 | 1,605 |
| Average equity | $44,204,000 | 1,546 |
| Average total loans | $363,856,000 | 1,386 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3639% | 3,615 |
| Cost of funding earning assets | 1.1805% | 7,963 |
| Net interest margin | 5.1833% | 352 |
| Noninterest income to average assets | 1.0351% | 1,470 |
| Noninterest expense to average assets | 4.2029% | 1,145 |
| Loan and lease loss provision to assets | 1.0137% | 1,449 |
| Net operating income to assets | 0.3095% | 5,510 |
| Return on assets (ROA) | 0.2400% | 5,551 |
| Pretax return on assets | 0.3143% | 5,479 |
| Return on Equity (ROE) | 2.3836% | 5,466 |
| Retained earnings to average equity (ytd only) | -4.1828% | 6,358 |
| Net charge-offs to loans | 0.4442% | 2,606 |
| Credit loss provision to net charge-offs | 289.8551% | 1,566 |
| Earnings coverage of net charge-offs (x) | 4.0586% | 4,122 |
| Efficiency ratio | 73.9074% | 3,593 |
| Assets per employee ($millions) | 2.5797% | 7,049 |
| Cash dividends to net income (ytd only)* | 275.4821% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9722% | 1,277 |
| Loan loss allowance to noncurrent loans | 27.0147% | 6,893 |
| Noncurrent assets plus other real estate owned to assets | 6.7650% | 398 |
| Noncurrent loans to loans | 7.3004% | 397 |
| Net loans and leases to total assets | 78.6406% | 1,969 |
| Net loans and leases to deposits | 96.4845% | 2,372 |
| Net loans and leases to core deposits | 106.8740% | 4,096 |
| Total domestic deposits to total assets | 81.5059% | 4,404 |
| Equity capital to assets | 9.7836% | 4,314 |
| Core capital (leverage) ratio | 9.6965% | 3,771 |
| Tier 1 risk-based capital ratio | 10.8447% | 5,864 |
| Total risk-based capital ratio | 12.1017% | 5,767 |
| Memoranda: | ||
| Average total assets | $453,778,800 | 1,513 |
| Average earning assets | $401,595,800 | 1,554 |
| Average equity | $45,687,600 | 1,488 |
| Average total loans | $357,254,000 | 1,358 |