Home > PrimeSouth Bank > Performance and Condition Ratios
PrimeSouth Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3518% | 763 |
| Cost of funding earning assets | 1.7376% | 2,622 |
| Net interest margin | 4.6142% | 534 |
| Noninterest income to average assets | 0.5900% | 1,381 |
| Noninterest expense to average assets | 2.4588% | 2,426 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 1.8878% | 542 |
| Return on assets (ROA) | 1.8878% | 542 |
| Pretax return on assets | 2.4659% | 331 |
| Return on Equity (ROE) | 18.5200% | 590 |
| Retained earnings to average equity (ytd only) | 18.5198% | 221 |
| Net charge-offs to loans | 0.0051% | 2,073 |
| Credit loss provision to net charge-offs | 2,392.8571% | 182 |
| Earnings coverage of net charge-offs (x) | 613.6429% | 157 |
| Efficiency ratio | 47.8698% | 4,015 |
| Assets per employee ($millions) | 8.1938% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 1,132 |
| Loan loss allowance to noncurrent loans | 269.2820% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 1,618 |
| Noncurrent loans to loans | 0.5415% | 1,769 |
| Net loans and leases to total assets | 79.8400% | 613 |
| Net loans and leases to deposits | 91.4336% | 972 |
| Net loans and leases to core deposits | 97.7769% | 1,515 |
| Total domestic deposits to total assets | 87.3200% | 1,805 |
| Equity capital to assets | 10.3835% | 1,990 |
| Core capital (leverage) ratio | 11.3102% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8339% | 1,308 |
| Memoranda: | ||
| Average total assets | $1,355,474,000 | 804 |
| Average earning assets | $1,293,045,500 | 780 |
| Average equity | $138,165,500 | 805 |
| Average total loans | $1,100,511,000 | 710 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4048% | 805 |
| Cost of funding earning assets | 2.1101% | 1,956 |
| Net interest margin | 4.2947% | 834 |
| Noninterest income to average assets | 0.6700% | 1,265 |
| Noninterest expense to average assets | 2.5573% | 2,143 |
| Loan and lease loss provision to assets | 0.1300% | 1,072 |
| Net operating income to assets | 1.6260% | 747 |
| Return on assets (ROA) | 1.6260% | 740 |
| Pretax return on assets | 2.0846% | 514 |
| Return on Equity (ROE) | 16.8400% | 685 |
| Retained earnings to average equity (ytd only) | 14.9228% | 135 |
| Net charge-offs to loans | -0.0147% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 52.0748% | 3,877 |
| Assets per employee ($millions) | 8.1865% | 1,433 |
| Cash dividends to net income (ytd only)* | 11.3814% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 1,143 |
| Loan loss allowance to noncurrent loans | 283.7901% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 1,660 |
| Noncurrent loans to loans | 0.5111% | 1,795 |
| Net loans and leases to total assets | 80.1900% | 634 |
| Net loans and leases to deposits | 91.7415% | 1,059 |
| Net loans and leases to core deposits | 97.5024% | 1,621 |
| Total domestic deposits to total assets | 87.4000% | 1,746 |
| Equity capital to assets | 9.9991% | 2,135 |
| Core capital (leverage) ratio | 10.8375% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4435% | 1,404 |
| Memoranda: | ||
| Average total assets | $1,296,898,200 | 823 |
| Average earning assets | $1,239,476,600 | 796 |
| Average equity | $125,224,800 | 851 |
| Average total loans | $1,036,653,800 | 735 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3397% | 844 |
| Cost of funding earning assets | 2.1329% | 1,890 |
| Net interest margin | 4.2068% | 896 |
| Noninterest income to average assets | 0.6300% | 1,368 |
| Noninterest expense to average assets | 2.5291% | 2,158 |
| Loan and lease loss provision to assets | 0.1500% | 844 |
| Net operating income to assets | 1.5141% | 922 |
| Return on assets (ROA) | 1.5141% | 921 |
| Pretax return on assets | 1.9743% | 671 |
| Return on Equity (ROE) | 15.8300% | 840 |
| Retained earnings to average equity (ytd only) | 13.8763% | 303 |
| Net charge-offs to loans | -0.0209% | 4,164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 52.7677% | 3,819 |
| Assets per employee ($millions) | 8.2837% | 1,356 |
| Cash dividends to net income (ytd only)* | 12.3305% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 1,184 |
| Loan loss allowance to noncurrent loans | 340.3662% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.3404% | 1,848 |
| Noncurrent loans to loans | 0.4259% | 2,011 |
| Net loans and leases to total assets | 78.1500% | 865 |
| Net loans and leases to deposits | 92.7175% | 981 |
| Net loans and leases to core deposits | 98.2838% | 1,600 |
| Total domestic deposits to total assets | 84.2900% | 2,519 |
| Equity capital to assets | 9.7019% | 2,500 |
| Core capital (leverage) ratio | 10.6862% | 2,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8869% | 1,566 |
| Memoranda: | ||
| Average total assets | $1,285,475,000 | 821 |
| Average earning assets | $1,229,977,750 | 795 |
| Average equity | $122,969,250 | 860 |
| Average total loans | $1,022,716,250 | 740 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2677% | 843 |
| Cost of funding earning assets | 2.0690% | 1,955 |
| Net interest margin | 4.1987% | 900 |
| Noninterest income to average assets | 0.6000% | 1,448 |
| Noninterest expense to average assets | 2.5649% | 2,049 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.4920% | 926 |
| Return on assets (ROA) | 1.4920% | 926 |
| Pretax return on assets | 1.9437% | 696 |
| Return on Equity (ROE) | 15.6800% | 884 |
| Retained earnings to average equity (ytd only) | 13.6772% | 384 |
| Net charge-offs to loans | -0.0299% | 4,219 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 53.7958% | 3,768 |
| Assets per employee ($millions) | 8.0900% | 1,403 |
| Cash dividends to net income (ytd only)* | 12.7551% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 1,271 |
| Loan loss allowance to noncurrent loans | 405.7431% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 2,024 |
| Noncurrent loans to loans | 0.3532% | 2,133 |
| Net loans and leases to total assets | 78.2300% | 881 |
| Net loans and leases to deposits | 90.9204% | 1,225 |
| Net loans and leases to core deposits | 96.4429% | 1,709 |
| Total domestic deposits to total assets | 86.0500% | 1,961 |
| Equity capital to assets | 9.4668% | 2,411 |
| Core capital (leverage) ratio | 10.7053% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7467% | 1,608 |
| Memoranda: | ||
| Average total assets | $1,261,122,000 | 838 |
| Average earning assets | $1,209,767,000 | 807 |
| Average equity | $120,024,667 | 876 |
| Average total loans | $1,004,522,333 | 749 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2710% | 775 |
| Cost of funding earning assets | 2.0119% | 1,960 |
| Net interest margin | 4.2591% | 797 |
| Noninterest income to average assets | 0.5700% | 1,470 |
| Noninterest expense to average assets | 2.6538% | 1,806 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 1.4736% | 939 |
| Return on assets (ROA) | 1.4736% | 945 |
| Pretax return on assets | 1.9178% | 702 |
| Return on Equity (ROE) | 15.4400% | 922 |
| Retained earnings to average equity (ytd only) | 13.4065% | 557 |
| Net charge-offs to loans | -0.0705% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 55.3350% | 3,654 |
| Assets per employee ($millions) | 8.0622% | 1,413 |
| Cash dividends to net income (ytd only)* | 13.1723% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 1,250 |
| Loan loss allowance to noncurrent loans | 1,315.4968% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 3,035 |
| Noncurrent loans to loans | 0.1095% | 3,067 |
| Net loans and leases to total assets | 78.4800% | 787 |
| Net loans and leases to deposits | 89.4114% | 1,242 |
| Net loans and leases to core deposits | 94.6186% | 1,743 |
| Total domestic deposits to total assets | 87.7800% | 1,499 |
| Equity capital to assets | 9.4879% | 2,330 |
| Core capital (leverage) ratio | 10.6571% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7572% | 1,622 |
| Memoranda: | ||
| Average total assets | $1,236,395,000 | 853 |
| Average earning assets | $1,186,358,500 | 827 |
| Average equity | $118,002,500 | 886 |
| Average total loans | $986,671,000 | 760 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9337% | 692 |
| Cost of funding earning assets | 1.5963% | 1,702 |
| Net interest margin | 4.3374% | 764 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.5628% | 2,118 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.6339% | 819 |
| Return on assets (ROA) | 1.6339% | 787 |
| Pretax return on assets | 2.0948% | 575 |
| Return on Equity (ROE) | 18.1600% | 797 |
| Retained earnings to average equity (ytd only) | 17.5936% | 202 |
| Net charge-offs to loans | -0.0074% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.0746% | 3,823 |
| Assets per employee ($millions) | 7.7891% | 1,544 |
| Cash dividends to net income (ytd only)* | 3.1234% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 1,241 |
| Loan loss allowance to noncurrent loans | 715.2430% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 2,385 |
| Noncurrent loans to loans | 0.2012% | 2,506 |
| Net loans and leases to total assets | 78.8300% | 782 |
| Net loans and leases to deposits | 88.9868% | 1,338 |
| Net loans and leases to core deposits | 94.4495% | 1,743 |
| Total domestic deposits to total assets | 88.5800% | 1,186 |
| Equity capital to assets | 9.6022% | 2,274 |
| Core capital (leverage) ratio | 10.4525% | 2,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6440% | 1,642 |
| Memoranda: | ||
| Average total assets | $1,175,712,800 | 866 |
| Average earning assets | $1,129,067,000 | 835 |
| Average equity | $105,777,400 | 912 |
| Average total loans | $930,685,000 | 771 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8185% | 666 |
| Cost of funding earning assets | 1.4629% | 1,696 |
| Net interest margin | 4.3556% | 745 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.5190% | 2,167 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.6468% | 867 |
| Return on assets (ROA) | 1.6468% | 861 |
| Pretax return on assets | 2.1455% | 601 |
| Return on Equity (ROE) | 18.6300% | 862 |
| Retained earnings to average equity (ytd only) | 18.6308% | 313 |
| Net charge-offs to loans | -0.0158% | 4,071 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.9251% | 3,841 |
| Assets per employee ($millions) | 7.7676% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 1,274 |
| Loan loss allowance to noncurrent loans | 1,157.5859% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 2,834 |
| Noncurrent loans to loans | 0.1248% | 2,930 |
| Net loans and leases to total assets | 78.7600% | 782 |
| Net loans and leases to deposits | 91.2455% | 1,121 |
| Net loans and leases to core deposits | 97.4395% | 1,477 |
| Total domestic deposits to total assets | 86.3200% | 2,095 |
| Equity capital to assets | 8.9464% | 2,450 |
| Core capital (leverage) ratio | 10.3159% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3392% | 1,774 |
| Memoranda: | ||
| Average total assets | $1,165,868,000 | 874 |
| Average earning assets | $1,120,213,500 | 844 |
| Average equity | $103,052,750 | 922 |
| Average total loans | $920,400,500 | 780 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6934% | 645 |
| Cost of funding earning assets | 1.3293% | 1,634 |
| Net interest margin | 4.3641% | 737 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.5462% | 2,082 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.6194% | 915 |
| Return on assets (ROA) | 1.6194% | 917 |
| Pretax return on assets | 2.1086% | 615 |
| Return on Equity (ROE) | 18.4000% | 906 |
| Retained earnings to average equity (ytd only) | 18.3975% | 320 |
| Net charge-offs to loans | -0.0123% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.5127% | 3,813 |
| Assets per employee ($millions) | 7.9330% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 1,340 |
| Loan loss allowance to noncurrent loans | 487.5723% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 2,015 |
| Noncurrent loans to loans | 0.2980% | 2,072 |
| Net loans and leases to total assets | 77.4500% | 893 |
| Net loans and leases to deposits | 88.0637% | 1,341 |
| Net loans and leases to core deposits | 93.7490% | 1,580 |
| Total domestic deposits to total assets | 87.9500% | 1,617 |
| Equity capital to assets | 8.9340% | 2,561 |
| Core capital (leverage) ratio | 9.9076% | 2,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9805% | 1,907 |
| Memoranda: | ||
| Average total assets | $1,155,753,000 | 870 |
| Average earning assets | $1,111,152,667 | 841 |
| Average equity | $101,731,000 | 929 |
| Average total loans | $908,548,333 | 776 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5249% | 598 |
| Cost of funding earning assets | 1.0437% | 1,897 |
| Net interest margin | 4.4811% | 600 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.5221% | 2,188 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.6578% | 891 |
| Return on assets (ROA) | 1.6578% | 890 |
| Pretax return on assets | 2.1544% | 612 |
| Return on Equity (ROE) | 18.9700% | 890 |
| Retained earnings to average equity (ytd only) | 18.9747% | 439 |
| Net charge-offs to loans | -0.0196% | 4,097 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.1150% | 3,923 |
| Assets per employee ($millions) | 7.8905% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 1,147 |
| Loan loss allowance to noncurrent loans | 519.2492% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 1,953 |
| Noncurrent loans to loans | 0.2967% | 2,081 |
| Net loans and leases to total assets | 77.2000% | 855 |
| Net loans and leases to deposits | 88.3428% | 1,177 |
| Net loans and leases to core deposits | 94.1759% | 1,382 |
| Total domestic deposits to total assets | 87.3900% | 2,138 |
| Equity capital to assets | 8.7803% | 2,675 |
| Core capital (leverage) ratio | 9.7857% | 2,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6063% | 2,136 |
| Memoranda: | ||
| Average total assets | $1,142,204,500 | 896 |
| Average earning assets | $1,098,744,000 | 864 |
| Average equity | $99,796,000 | 947 |
| Average total loans | $898,326,500 | 797 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3896% | 903 |
| Cost of funding earning assets | 0.3338% | 2,600 |
| Net interest margin | 4.0559% | 723 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.4539% | 2,260 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.5316% | 815 |
| Return on assets (ROA) | 1.5316% | 791 |
| Pretax return on assets | 1.9924% | 484 |
| Return on Equity (ROE) | 18.1700% | 676 |
| Retained earnings to average equity (ytd only) | 16.2297% | 211 |
| Net charge-offs to loans | -0.0669% | 4,417 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.2071% | 3,960 |
| Assets per employee ($millions) | 7.4940% | 1,620 |
| Cash dividends to net income (ytd only)* | 10.6838% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 1,389 |
| Loan loss allowance to noncurrent loans | 400.2532% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 1,731 |
| Noncurrent loans to loans | 0.3586% | 1,859 |
| Net loans and leases to total assets | 77.7700% | 821 |
| Net loans and leases to deposits | 87.0698% | 1,242 |
| Net loans and leases to core deposits | 90.5770% | 1,476 |
| Total domestic deposits to total assets | 89.3200% | 1,628 |
| Equity capital to assets | 8.6920% | 2,569 |
| Core capital (leverage) ratio | 9.6481% | 2,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5769% | 2,139 |
| Memoranda: | ||
| Average total assets | $1,100,005,200 | 903 |
| Average earning assets | $1,060,294,200 | 870 |
| Average equity | $92,718,800 | 999 |
| Average total loans | $826,915,600 | 801 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 1,028 |
| Cost of funding earning assets | 0.2791% | 2,392 |
| Net interest margin | 3.8424% | 888 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.4196% | 2,257 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.4116% | 1,054 |
| Return on assets (ROA) | 1.4116% | 1,028 |
| Pretax return on assets | 1.8419% | 668 |
| Return on Equity (ROE) | 16.8800% | 819 |
| Retained earnings to average equity (ytd only) | 14.2621% | 434 |
| Net charge-offs to loans | -0.0820% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.6224% | 3,848 |
| Assets per employee ($millions) | 7.4757% | 1,625 |
| Cash dividends to net income (ytd only)* | 15.5146% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 1,491 |
| Loan loss allowance to noncurrent loans | 373.5918% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 1,739 |
| Noncurrent loans to loans | 0.3842% | 1,859 |
| Net loans and leases to total assets | 77.6100% | 741 |
| Net loans and leases to deposits | 84.8813% | 1,241 |
| Net loans and leases to core deposits | 87.1555% | 1,458 |
| Total domestic deposits to total assets | 91.4300% | 1,072 |
| Equity capital to assets | 8.2384% | 2,723 |
| Core capital (leverage) ratio | 9.0405% | 3,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1293% | 2,414 |
| Memoranda: | ||
| Average total assets | $1,095,854,000 | 907 |
| Average earning assets | $1,057,340,000 | 880 |
| Average equity | $91,634,500 | 1,028 |
| Average total loans | $813,395,750 | 809 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8250% | 1,263 |
| Cost of funding earning assets | 0.2661% | 2,072 |
| Net interest margin | 3.5589% | 1,161 |
| Noninterest income to average assets | 0.6643% | 1,486 |
| Noninterest expense to average assets | 2.3798% | 2,299 |
| Loan and lease loss provision to assets | 0.0930% | 1,067 |
| Net operating income to assets | 1.2467% | 1,288 |
| Return on assets (ROA) | 1.2467% | 1,271 |
| Pretax return on assets | 1.6289% | 884 |
| Return on Equity (ROE) | 14.8362% | 928 |
| Retained earnings to average equity (ytd only) | 12.2334% | 573 |
| Net charge-offs to loans | -0.0970% | 4,433 |
| Credit loss provision to net charge-offs | -131.7829% | 3,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9634% | 3,776 |
| Assets per employee ($millions) | 7.6752% | 1,496 |
| Cash dividends to net income (ytd only)* | 17.5439% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 1,640 |
| Loan loss allowance to noncurrent loans | 423.0470% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 1,752 |
| Noncurrent loans to loans | 0.3378% | 2,127 |
| Net loans and leases to total assets | 74.1674% | 900 |
| Net loans and leases to deposits | 80.8864% | 1,321 |
| Net loans and leases to core deposits | 83.0894% | 1,513 |
| Total domestic deposits to total assets | 91.6933% | 965 |
| Equity capital to assets | 8.0704% | 3,067 |
| Core capital (leverage) ratio | 8.7006% | 3,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9778% | 2,511 |
| Memoranda: | ||
| Average total assets | $1,097,320,333 | 907 |
| Average earning assets | $1,059,819,667 | 881 |
| Average equity | $92,206,667 | 1,028 |
| Average total loans | $798,052,333 | 808 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6230% | 1,440 |
| Cost of funding earning assets | 0.2636% | 1,997 |
| Net interest margin | 3.3594% | 1,415 |
| Noninterest income to average assets | 0.6986% | 1,320 |
| Noninterest expense to average assets | 2.3313% | 2,392 |
| Loan and lease loss provision to assets | 0.0936% | 878 |
| Net operating income to assets | 1.1605% | 1,352 |
| Return on assets (ROA) | 1.1605% | 1,351 |
| Pretax return on assets | 1.5210% | 979 |
| Return on Equity (ROE) | 13.5371% | 928 |
| Retained earnings to average equity (ytd only) | 10.9676% | 791 |
| Net charge-offs to loans | -0.0817% | 4,405 |
| Credit loss provision to net charge-offs | -160.3774% | 2,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9222% | 3,796 |
| Assets per employee ($millions) | 7.6854% | 1,559 |
| Cash dividends to net income (ytd only)* | 18.9813% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 1,746 |
| Loan loss allowance to noncurrent loans | 373.3745% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3559% | 1,683 |
| Noncurrent loans to loans | 0.3866% | 2,102 |
| Net loans and leases to total assets | 70.3619% | 984 |
| Net loans and leases to deposits | 76.9597% | 1,369 |
| Net loans and leases to core deposits | 79.2960% | 1,533 |
| Total domestic deposits to total assets | 91.4269% | 843 |
| Equity capital to assets | 8.2592% | 3,358 |
| Core capital (leverage) ratio | 8.5782% | 3,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2425% | 2,507 |
| Memoranda: | ||
| Average total assets | $1,089,531,500 | 916 |
| Average earning assets | $1,053,168,000 | 889 |
| Average equity | $93,402,500 | 1,046 |
| Average total loans | $778,390,500 | 814 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9712% | 1,432 |
| Cost of funding earning assets | 0.3110% | 2,286 |
| Net interest margin | 3.6603% | 1,315 |
| Noninterest income to average assets | 0.7039% | 1,760 |
| Noninterest expense to average assets | 2.5697% | 1,956 |
| Loan and lease loss provision to assets | 0.1107% | 1,137 |
| Net operating income to assets | 1.2056% | 1,903 |
| Return on assets (ROA) | 1.2056% | 1,954 |
| Pretax return on assets | 1.5585% | 1,547 |
| Return on Equity (ROE) | 13.0020% | 1,469 |
| Retained earnings to average equity (ytd only) | 10.3499% | 832 |
| Net charge-offs to loans | -0.0469% | 4,301 |
| Credit loss provision to net charge-offs | -320.4748% | 3,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3839% | 3,382 |
| Assets per employee ($millions) | 7.5509% | 1,585 |
| Cash dividends to net income (ytd only)* | 20.3978% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 1,715 |
| Loan loss allowance to noncurrent loans | 399.8194% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 1,840 |
| Noncurrent loans to loans | 0.3638% | 2,281 |
| Net loans and leases to total assets | 70.4553% | 990 |
| Net loans and leases to deposits | 77.5068% | 1,444 |
| Net loans and leases to core deposits | 79.7199% | 1,619 |
| Total domestic deposits to total assets | 90.9022% | 524 |
| Equity capital to assets | 8.9009% | 3,718 |
| Core capital (leverage) ratio | 8.3234% | 4,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3410% | 2,515 |
| Memoranda: | ||
| Average total assets | $975,985,600 | 974 |
| Average earning assets | $942,576,600 | 951 |
| Average equity | $90,493,600 | 1,095 |
| Average total loans | $717,822,200 | 863 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 1,434 |
| Cost of funding earning assets | 0.3176% | 2,427 |
| Net interest margin | 3.7287% | 1,281 |
| Noninterest income to average assets | 0.7266% | 1,745 |
| Noninterest expense to average assets | 2.5868% | 1,879 |
| Loan and lease loss provision to assets | 0.1132% | 1,063 |
| Net operating income to assets | 1.2145% | 2,117 |
| Return on assets (ROA) | 1.2145% | 2,176 |
| Pretax return on assets | 1.6259% | 1,624 |
| Return on Equity (ROE) | 12.9535% | 1,705 |
| Retained earnings to average equity (ytd only) | 10.2697% | 1,237 |
| Net charge-offs to loans | -0.0364% | 4,220 |
| Credit loss provision to net charge-offs | -419.6891% | 3,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5519% | 3,344 |
| Assets per employee ($millions) | 7.3246% | 1,668 |
| Cash dividends to net income (ytd only)* | 20.7182% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 1,858 |
| Loan loss allowance to noncurrent loans | 338.3931% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 1,903 |
| Noncurrent loans to loans | 0.4248% | 2,292 |
| Net loans and leases to total assets | 69.2688% | 1,160 |
| Net loans and leases to deposits | 76.2946% | 1,642 |
| Net loans and leases to core deposits | 78.4456% | 1,861 |
| Total domestic deposits to total assets | 90.7913% | 438 |
| Equity capital to assets | 8.8270% | 3,979 |
| Core capital (leverage) ratio | 8.7373% | 3,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9803% | 2,371 |
| Memoranda: | ||
| Average total assets | $953,811,250 | 1,009 |
| Average earning assets | $920,701,250 | 981 |
| Average equity | $89,425,500 | 1,119 |
| Average total loans | $706,978,500 | 890 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 1,415 |
| Cost of funding earning assets | 0.3471% | 2,338 |
| Net interest margin | 3.7195% | 1,301 |
| Noninterest income to average assets | 0.7468% | 1,679 |
| Noninterest expense to average assets | 2.6000% | 1,852 |
| Loan and lease loss provision to assets | 0.1174% | 1,077 |
| Net operating income to assets | 1.2039% | 2,181 |
| Return on assets (ROA) | 1.2039% | 2,251 |
| Pretax return on assets | 1.6121% | 1,703 |
| Return on Equity (ROE) | 12.5601% | 1,869 |
| Retained earnings to average equity (ytd only) | 9.8390% | 1,445 |
| Net charge-offs to loans | -0.0535% | 4,402 |
| Credit loss provision to net charge-offs | -290.3226% | 3,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7288% | 3,319 |
| Assets per employee ($millions) | 6.6185% | 2,084 |
| Cash dividends to net income (ytd only)* | 21.6646% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 1,833 |
| Loan loss allowance to noncurrent loans | 330.0477% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.4340% | 1,888 |
| Noncurrent loans to loans | 0.4348% | 2,369 |
| Net loans and leases to total assets | 74.8125% | 691 |
| Net loans and leases to deposits | 83.0771% | 1,122 |
| Net loans and leases to core deposits | 86.0393% | 1,412 |
| Total domestic deposits to total assets | 90.0518% | 748 |
| Equity capital to assets | 9.4879% | 3,337 |
| Core capital (leverage) ratio | 8.9352% | 3,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6452% | 2,495 |
| Memoranda: | ||
| Average total assets | $920,167,000 | 1,030 |
| Average earning assets | $886,290,333 | 1,005 |
| Average equity | $88,200,000 | 1,128 |
| Average total loans | $695,549,667 | 898 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 1,745 |
| Cost of funding earning assets | 0.3732% | 2,326 |
| Net interest margin | 3.5596% | 1,680 |
| Noninterest income to average assets | 0.6546% | 2,013 |
| Noninterest expense to average assets | 2.6539% | 1,731 |
| Loan and lease loss provision to assets | 0.1195% | 1,152 |
| Net operating income to assets | 0.9720% | 2,896 |
| Return on assets (ROA) | 0.9720% | 2,992 |
| Pretax return on assets | 1.3008% | 2,571 |
| Return on Equity (ROE) | 10.0864% | 2,662 |
| Retained earnings to average equity (ytd only) | 7.3306% | 2,469 |
| Net charge-offs to loans | -0.0305% | 4,176 |
| Credit loss provision to net charge-offs | -519.2308% | 3,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6181% | 2,654 |
| Assets per employee ($millions) | 6.5299% | 2,154 |
| Cash dividends to net income (ytd only)* | 27.3224% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 1,859 |
| Loan loss allowance to noncurrent loans | 237.9532% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 1,645 |
| Noncurrent loans to loans | 0.5989% | 2,072 |
| Net loans and leases to total assets | 74.4154% | 778 |
| Net loans and leases to deposits | 82.6106% | 1,284 |
| Net loans and leases to core deposits | 85.9597% | 1,526 |
| Total domestic deposits to total assets | 90.0798% | 783 |
| Equity capital to assets | 9.4365% | 3,257 |
| Core capital (leverage) ratio | 9.0208% | 3,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2857% | 2,567 |
| Memoranda: | ||
| Average total assets | $903,721,000 | 1,033 |
| Average earning assets | $868,178,000 | 1,005 |
| Average equity | $87,087,500 | 1,129 |
| Average total loans | $681,631,000 | 922 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5413% | 1,214 |
| Cost of funding earning assets | 0.6878% | 1,784 |
| Net interest margin | 3.8535% | 1,346 |
| Noninterest income to average assets | 0.7112% | 1,827 |
| Noninterest expense to average assets | 2.8920% | 1,707 |
| Loan and lease loss provision to assets | 0.1122% | 2,945 |
| Net operating income to assets | 1.0847% | 1,973 |
| Return on assets (ROA) | 1.0854% | 2,101 |
| Pretax return on assets | 1.3750% | 1,742 |
| Return on Equity (ROE) | 10.5363% | 1,796 |
| Retained earnings to average equity (ytd only) | 9.0743% | 755 |
| Net charge-offs to loans | -0.2193% | 4,903 |
| Credit loss provision to net charge-offs | -65.5425% | 3,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3979% | 2,912 |
| Assets per employee ($millions) | 6.1986% | 2,168 |
| Cash dividends to net income (ytd only)* | 13.8760% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 1,747 |
| Loan loss allowance to noncurrent loans | 223.5757% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 1,556 |
| Noncurrent loans to loans | 0.6510% | 2,051 |
| Net loans and leases to total assets | 74.2583% | 989 |
| Net loans and leases to deposits | 82.7652% | 1,572 |
| Net loans and leases to core deposits | 86.4310% | 1,832 |
| Total domestic deposits to total assets | 89.7217% | 673 |
| Equity capital to assets | 9.8472% | 3,265 |
| Core capital (leverage) ratio | 9.1720% | 3,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7847% | 2,317 |
| Memoranda: | ||
| Average total assets | $796,776,200 | 1,059 |
| Average earning assets | $758,246,200 | 1,034 |
| Average equity | $82,078,200 | 1,130 |
| Average total loans | $622,085,000 | 948 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6798% | 1,107 |
| Cost of funding earning assets | 0.7758% | 1,606 |
| Net interest margin | 3.9040% | 1,341 |
| Noninterest income to average assets | 0.7031% | 1,792 |
| Noninterest expense to average assets | 2.9263% | 1,628 |
| Loan and lease loss provision to assets | 0.2697% | 1,509 |
| Net operating income to assets | 0.9305% | 2,596 |
| Return on assets (ROA) | 0.9310% | 2,721 |
| Pretax return on assets | 1.2197% | 2,328 |
| Return on Equity (ROE) | 8.9261% | 2,424 |
| Retained earnings to average equity (ytd only) | 6.9491% | 1,719 |
| Net charge-offs to loans | -0.2404% | 4,940 |
| Credit loss provision to net charge-offs | -142.3391% | 3,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5752% | 2,803 |
| Assets per employee ($millions) | 5.9097% | 2,340 |
| Cash dividends to net income (ytd only)* | 22.1484% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 1,311 |
| Loan loss allowance to noncurrent loans | 605.7762% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 2,710 |
| Noncurrent loans to loans | 0.2521% | 3,402 |
| Net loans and leases to total assets | 76.8193% | 984 |
| Net loans and leases to deposits | 85.7698% | 1,730 |
| Net loans and leases to core deposits | 90.6529% | 1,916 |
| Total domestic deposits to total assets | 89.5646% | 565 |
| Equity capital to assets | 9.8812% | 3,355 |
| Core capital (leverage) ratio | 9.0804% | 3,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5978% | 2,367 |
| Memoranda: | ||
| Average total assets | $775,921,500 | 1,069 |
| Average earning assets | $737,761,750 | 1,046 |
| Average equity | $80,929,000 | 1,138 |
| Average total loans | $611,788,250 | 957 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8352% | 1,088 |
| Cost of funding earning assets | 0.8716% | 1,490 |
| Net interest margin | 3.9637% | 1,416 |
| Noninterest income to average assets | 0.6657% | 1,877 |
| Noninterest expense to average assets | 2.9660% | 1,669 |
| Loan and lease loss provision to assets | 0.2577% | 1,641 |
| Net operating income to assets | 0.9255% | 2,608 |
| Return on assets (ROA) | 0.9255% | 2,729 |
| Pretax return on assets | 1.2005% | 2,363 |
| Return on Equity (ROE) | 8.7023% | 2,494 |
| Retained earnings to average equity (ytd only) | 7.2036% | 1,569 |
| Net charge-offs to loans | -0.4101% | 4,990 |
| Credit loss provision to net charge-offs | -79.3781% | 3,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2608% | 2,791 |
| Assets per employee ($millions) | 5.9383% | 2,239 |
| Cash dividends to net income (ytd only)* | 17.2216% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 1,237 |
| Loan loss allowance to noncurrent loans | 831.4831% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 3,040 |
| Noncurrent loans to loans | 0.1813% | 3,726 |
| Net loans and leases to total assets | 74.3008% | 1,376 |
| Net loans and leases to deposits | 82.9127% | 2,098 |
| Net loans and leases to core deposits | 89.0720% | 2,154 |
| Total domestic deposits to total assets | 89.6133% | 525 |
| Equity capital to assets | 9.7326% | 3,438 |
| Core capital (leverage) ratio | 9.3092% | 3,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5078% | 2,395 |
| Memoranda: | ||
| Average total assets | $752,867,667 | 1,083 |
| Average earning assets | $713,885,667 | 1,052 |
| Average equity | $80,070,667 | 1,138 |
| Average total loans | $595,966,000 | 967 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2111% | 646 |
| Cost of funding earning assets | 0.9927% | 1,449 |
| Net interest margin | 4.2184% | 887 |
| Noninterest income to average assets | 0.7077% | 1,626 |
| Noninterest expense to average assets | 3.1421% | 1,541 |
| Loan and lease loss provision to assets | 0.2091% | 1,463 |
| Net operating income to assets | 1.0496% | 2,007 |
| Return on assets (ROA) | 1.0496% | 2,107 |
| Pretax return on assets | 1.3458% | 1,732 |
| Return on Equity (ROE) | 9.3940% | 1,958 |
| Retained earnings to average equity (ytd only) | 9.3940% | 870 |
| Net charge-offs to loans | 0.0181% | 2,010 |
| Credit loss provision to net charge-offs | 1,423.0769% | 459 |
| Earnings coverage of net charge-offs (x) | 105.8077% | 561 |
| Efficiency ratio | 64.1035% | 3,219 |
| Assets per employee ($millions) | 4.9978% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 2,162 |
| Loan loss allowance to noncurrent loans | 535.9418% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 2,825 |
| Noncurrent loans to loans | 0.2424% | 3,618 |
| Net loans and leases to total assets | 80.5906% | 621 |
| Net loans and leases to deposits | 91.0111% | 1,404 |
| Net loans and leases to core deposits | 99.0901% | 1,544 |
| Total domestic deposits to total assets | 88.5504% | 860 |
| Equity capital to assets | 10.9581% | 2,897 |
| Core capital (leverage) ratio | 10.3635% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0290% | 2,273 |
| Memoranda: | ||
| Average total assets | $707,684,500 | 1,107 |
| Average earning assets | $669,259,500 | 1,078 |
| Average equity | $79,071,500 | 1,149 |
| Average total loans | $575,890,500 | 971 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5628% | 504 |
| Cost of funding earning assets | 0.9610% | 1,902 |
| Net interest margin | 4.6018% | 569 |
| Noninterest income to average assets | 0.7655% | 1,564 |
| Noninterest expense to average assets | 3.1399% | 1,669 |
| Loan and lease loss provision to assets | 0.1621% | 1,288 |
| Net operating income to assets | 1.4716% | 1,121 |
| Return on assets (ROA) | 1.4716% | 1,186 |
| Pretax return on assets | 1.8023% | 930 |
| Return on Equity (ROE) | 12.7889% | 1,241 |
| Retained earnings to average equity (ytd only) | 9.5386% | 581 |
| Net charge-offs to loans | 0.1995% | 1,022 |
| Credit loss provision to net charge-offs | 102.3622% | 2,420 |
| Earnings coverage of net charge-offs (x) | 12.4065% | 2,417 |
| Efficiency ratio | 58.6878% | 3,882 |
| Assets per employee ($millions) | 5.0419% | 2,541 |
| Cash dividends to net income (ytd only)* | 25.4157% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 1,795 |
| Loan loss allowance to noncurrent loans | 477.7132% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 2,598 |
| Noncurrent loans to loans | 0.2784% | 3,446 |
| Net loans and leases to total assets | 80.0062% | 792 |
| Net loans and leases to deposits | 90.7192% | 1,512 |
| Net loans and leases to core deposits | 97.8460% | 1,743 |
| Total domestic deposits to total assets | 88.1910% | 1,036 |
| Equity capital to assets | 11.4023% | 2,623 |
| Core capital (leverage) ratio | 10.4573% | 3,000 |
| Tier 1 risk-based capital ratio | 13.5575% | 3,486 |
| Total risk-based capital ratio | 14.8098% | 3,392 |
| Memoranda: | ||
| Average total assets | $641,681,200 | 1,165 |
| Average earning assets | $605,002,400 | 1,138 |
| Average equity | $73,837,200 | 1,166 |
| Average total loans | $509,237,600 | 1,062 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5939% | 499 |
| Cost of funding earning assets | 0.9317% | 2,076 |
| Net interest margin | 4.6622% | 538 |
| Noninterest income to average assets | 0.7788% | 1,490 |
| Noninterest expense to average assets | 3.0624% | 1,799 |
| Loan and lease loss provision to assets | 0.1776% | 1,035 |
| Net operating income to assets | 1.4513% | 1,326 |
| Return on assets (ROA) | 1.4513% | 1,384 |
| Pretax return on assets | 1.9301% | 806 |
| Return on Equity (ROE) | 12.5815% | 1,418 |
| Retained earnings to average equity (ytd only) | 9.2827% | 964 |
| Net charge-offs to loans | 0.2264% | 781 |
| Credit loss provision to net charge-offs | 99.4083% | 2,285 |
| Earnings coverage of net charge-offs (x) | 11.7988% | 2,416 |
| Efficiency ratio | 56.3911% | 4,125 |
| Assets per employee ($millions) | 4.9946% | 2,572 |
| Cash dividends to net income (ytd only)* | 26.2200% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3912% | 1,612 |
| Loan loss allowance to noncurrent loans | 456.7266% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 2,484 |
| Noncurrent loans to loans | 0.3046% | 3,442 |
| Net loans and leases to total assets | 78.0234% | 1,140 |
| Net loans and leases to deposits | 88.6540% | 1,848 |
| Net loans and leases to core deposits | 96.0371% | 1,990 |
| Total domestic deposits to total assets | 88.0089% | 1,032 |
| Equity capital to assets | 11.3682% | 2,777 |
| Core capital (leverage) ratio | 10.4513% | 3,143 |
| Tier 1 risk-based capital ratio | 13.7177% | 3,471 |
| Total risk-based capital ratio | 14.9708% | 3,373 |
| Memoranda: | ||
| Average total assets | $630,677,500 | 1,181 |
| Average earning assets | $594,038,250 | 1,161 |
| Average equity | $72,750,250 | 1,178 |
| Average total loans | $497,548,500 | 1,088 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5941% | 473 |
| Cost of funding earning assets | 0.8751% | 2,276 |
| Net interest margin | 4.7190% | 474 |
| Noninterest income to average assets | 0.7478% | 1,532 |
| Noninterest expense to average assets | 3.1081% | 1,708 |
| Loan and lease loss provision to assets | 0.1748% | 1,028 |
| Net operating income to assets | 1.4289% | 1,345 |
| Return on assets (ROA) | 1.4289% | 1,396 |
| Pretax return on assets | 1.8970% | 843 |
| Return on Equity (ROE) | 12.3229% | 1,469 |
| Retained earnings to average equity (ytd only) | 8.9728% | 1,036 |
| Net charge-offs to loans | 0.2949% | 577 |
| Credit loss provision to net charge-offs | 75.2089% | 2,270 |
| Earnings coverage of net charge-offs (x) | 8.9136% | 2,374 |
| Efficiency ratio | 57.1089% | 4,114 |
| Assets per employee ($millions) | 5.0637% | 2,398 |
| Cash dividends to net income (ytd only)* | 27.1862% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 1,653 |
| Loan loss allowance to noncurrent loans | 413.4483% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.5758% | 2,285 |
| Noncurrent loans to loans | 0.3363% | 3,336 |
| Net loans and leases to total assets | 78.7155% | 1,086 |
| Net loans and leases to deposits | 89.3044% | 1,823 |
| Net loans and leases to core deposits | 95.7856% | 2,093 |
| Total domestic deposits to total assets | 88.1428% | 1,034 |
| Equity capital to assets | 11.4354% | 2,665 |
| Core capital (leverage) ratio | 10.4795% | 3,119 |
| Tier 1 risk-based capital ratio | 13.6354% | 3,515 |
| Total risk-based capital ratio | 14.8883% | 3,405 |
| Memoranda: | ||
| Average total assets | $617,812,670 | 1,196 |
| Average earning assets | $580,252,670 | 1,186 |
| Average equity | $71,639,000 | 1,189 |
| Average total loans | $486,879,330 | 1,106 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5269% | 499 |
| Cost of funding earning assets | 0.7927% | 2,579 |
| Net interest margin | 4.7342% | 461 |
| Noninterest income to average assets | 0.7321% | 1,493 |
| Noninterest expense to average assets | 3.1481% | 1,619 |
| Loan and lease loss provision to assets | 0.1593% | 1,061 |
| Net operating income to assets | 1.3985% | 1,383 |
| Return on assets (ROA) | 1.3985% | 1,414 |
| Pretax return on assets | 1.8565% | 866 |
| Return on Equity (ROE) | 11.9718% | 1,539 |
| Retained earnings to average equity (ytd only) | 8.5626% | 1,463 |
| Net charge-offs to loans | -0.0348% | 4,700 |
| Credit loss provision to net charge-offs | -585.3659% | 3,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9820% | 4,079 |
| Assets per employee ($millions) | 5.0439% | 2,467 |
| Cash dividends to net income (ytd only)* | 28.4765% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5763% | 1,110 |
| Loan loss allowance to noncurrent loans | 318.6095% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.7799% | 1,807 |
| Noncurrent loans to loans | 0.4948% | 2,830 |
| Net loans and leases to total assets | 75.7889% | 1,525 |
| Net loans and leases to deposits | 86.8766% | 2,015 |
| Net loans and leases to core deposits | 91.1970% | 2,378 |
| Total domestic deposits to total assets | 87.2374% | 1,698 |
| Equity capital to assets | 11.3323% | 2,539 |
| Core capital (leverage) ratio | 10.8530% | 2,718 |
| Tier 1 risk-based capital ratio | 13.9752% | 3,347 |
| Total risk-based capital ratio | 15.2306% | 3,262 |
| Memoranda: | ||
| Average total assets | $602,641,000 | 1,218 |
| Average earning assets | $564,151,000 | 1,218 |
| Average equity | $70,399,000 | 1,201 |
| Average total loans | $471,622,500 | 1,138 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2685% | 617 |
| Cost of funding earning assets | 0.4795% | 3,488 |
| Net interest margin | 4.7890% | 405 |
| Noninterest income to average assets | 0.8027% | 1,437 |
| Noninterest expense to average assets | 3.1945% | 1,568 |
| Loan and lease loss provision to assets | 0.1797% | 1,093 |
| Net operating income to assets | 1.3976% | 1,441 |
| Return on assets (ROA) | 1.3965% | 1,437 |
| Pretax return on assets | 1.8107% | 891 |
| Return on Equity (ROE) | 11.7442% | 1,800 |
| Retained earnings to average equity (ytd only) | 8.7360% | 958 |
| Net charge-offs to loans | 0.2126% | 901 |
| Credit loss provision to net charge-offs | 114.3345% | 2,271 |
| Earnings coverage of net charge-offs (x) | 12.6701% | 2,514 |
| Efficiency ratio | 60.8525% | 3,718 |
| Assets per employee ($millions) | 4.5983% | 3,020 |
| Cash dividends to net income (ytd only)* | 25.6148% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6105% | 1,011 |
| Loan loss allowance to noncurrent loans | 531.1239% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.7961% | 1,751 |
| Noncurrent loans to loans | 0.3032% | 3,464 |
| Net loans and leases to total assets | 78.3551% | 1,213 |
| Net loans and leases to deposits | 90.1297% | 1,782 |
| Net loans and leases to core deposits | 93.7122% | 2,249 |
| Total domestic deposits to total assets | 86.9359% | 1,807 |
| Equity capital to assets | 12.0651% | 1,851 |
| Core capital (leverage) ratio | 11.1411% | 2,401 |
| Tier 1 risk-based capital ratio | 14.3401% | 3,145 |
| Total risk-based capital ratio | 15.5958% | 3,057 |
| Memoranda: | ||
| Average total assets | $559,113,000 | 1,270 |
| Average earning assets | $511,796,200 | 1,284 |
| Average equity | $66,483,800 | 1,214 |
| Average total loans | $413,492,600 | 1,220 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1838% | 647 |
| Cost of funding earning assets | 0.4215% | 3,717 |
| Net interest margin | 4.7623% | 407 |
| Noninterest income to average assets | 0.8180% | 1,418 |
| Noninterest expense to average assets | 3.1493% | 1,645 |
| Loan and lease loss provision to assets | 0.2101% | 804 |
| Net operating income to assets | 1.3404% | 1,703 |
| Return on assets (ROA) | 1.3388% | 1,717 |
| Pretax return on assets | 1.7901% | 1,030 |
| Return on Equity (ROE) | 11.3022% | 2,053 |
| Retained earnings to average equity (ytd only) | 8.8694% | 1,274 |
| Net charge-offs to loans | 0.1842% | 913 |
| Credit loss provision to net charge-offs | 157.3741% | 1,646 |
| Earnings coverage of net charge-offs (x) | 14.9947% | 2,257 |
| Efficiency ratio | 61.1347% | 3,644 |
| Assets per employee ($millions) | 4.3240% | 3,391 |
| Cash dividends to net income (ytd only)* | 21.5247% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7250% | 831 |
| Loan loss allowance to noncurrent loans | 674.8439% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.7110% | 2,072 |
| Noncurrent loans to loans | 0.2556% | 3,774 |
| Net loans and leases to total assets | 77.2667% | 1,453 |
| Net loans and leases to deposits | 88.8446% | 2,042 |
| Net loans and leases to core deposits | 92.1636% | 2,464 |
| Total domestic deposits to total assets | 86.9684% | 1,744 |
| Equity capital to assets | 12.0909% | 1,840 |
| Core capital (leverage) ratio | 11.2782% | 2,349 |
| Tier 1 risk-based capital ratio | 14.4810% | 3,133 |
| Total risk-based capital ratio | 15.7379% | 3,050 |
| Memoranda: | ||
| Average total assets | $555,193,750 | 1,281 |
| Average earning assets | $505,202,250 | 1,299 |
| Average equity | $65,767,500 | 1,225 |
| Average total loans | $402,428,500 | 1,251 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0808% | 688 |
| Cost of funding earning assets | 0.3978% | 3,735 |
| Net interest margin | 4.6831% | 458 |
| Noninterest income to average assets | 0.8428% | 1,341 |
| Noninterest expense to average assets | 3.1144% | 1,745 |
| Loan and lease loss provision to assets | 0.2724% | 553 |
| Net operating income to assets | 1.2587% | 1,943 |
| Return on assets (ROA) | 1.2567% | 1,954 |
| Pretax return on assets | 1.6802% | 1,272 |
| Return on Equity (ROE) | 10.6826% | 2,240 |
| Retained earnings to average equity (ytd only) | 8.2289% | 1,529 |
| Net charge-offs to loans | 0.2249% | 710 |
| Credit loss provision to net charge-offs | 171.9818% | 1,444 |
| Earnings coverage of net charge-offs (x) | 12.3440% | 2,213 |
| Efficiency ratio | 61.4333% | 3,706 |
| Assets per employee ($millions) | 4.4646% | 3,179 |
| Cash dividends to net income (ytd only)* | 22.9687% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8278% | 715 |
| Loan loss allowance to noncurrent loans | 256.9487% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 1.1254% | 1,302 |
| Noncurrent loans to loans | 0.7113% | 2,331 |
| Net loans and leases to total assets | 73.9637% | 1,950 |
| Net loans and leases to deposits | 84.4754% | 2,485 |
| Net loans and leases to core deposits | 87.4512% | 2,776 |
| Total domestic deposits to total assets | 87.5566% | 1,614 |
| Equity capital to assets | 12.0554% | 1,820 |
| Core capital (leverage) ratio | 10.8908% | 2,622 |
| Tier 1 risk-based capital ratio | 14.6364% | 3,049 |
| Total risk-based capital ratio | 15.8944% | 2,967 |
| Memoranda: | ||
| Average total assets | $554,325,330 | 1,284 |
| Average earning assets | $500,311,330 | 1,315 |
| Average equity | $65,209,000 | 1,230 |
| Average total loans | $390,385,330 | 1,283 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1416% | 548 |
| Cost of funding earning assets | 0.4047% | 3,543 |
| Net interest margin | 4.7369% | 379 |
| Noninterest income to average assets | 0.6076% | 2,222 |
| Noninterest expense to average assets | 3.0561% | 1,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1571% | 2,185 |
| Return on assets (ROA) | 1.1571% | 2,199 |
| Pretax return on assets | 1.5536% | 1,516 |
| Return on Equity (ROE) | 9.9578% | 2,460 |
| Retained earnings to average equity (ytd only) | 7.4854% | 2,054 |
| Net charge-offs to loans | 0.2926% | 525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.8087% | 2,062 |
| Efficiency ratio | 66.2979% | 3,105 |
| Assets per employee ($millions) | 4.7167% | 2,837 |
| Cash dividends to net income (ytd only)* | 24.8293% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8129% | 766 |
| Loan loss allowance to noncurrent loans | 259.4192% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 1.1085% | 1,399 |
| Noncurrent loans to loans | 0.6988% | 2,465 |
| Net loans and leases to total assets | 67.2368% | 2,860 |
| Net loans and leases to deposits | 76.3981% | 3,168 |
| Net loans and leases to core deposits | 78.0147% | 3,493 |
| Total domestic deposits to total assets | 88.0085% | 1,614 |
| Equity capital to assets | 11.5709% | 2,077 |
| Core capital (leverage) ratio | 10.4673% | 2,987 |
| Tier 1 risk-based capital ratio | 14.5663% | 3,087 |
| Total risk-based capital ratio | 15.8230% | 2,991 |
| Memoranda: | ||
| Average total assets | $556,917,000 | 1,285 |
| Average earning assets | $470,519,500 | 1,407 |
| Average equity | $64,713,000 | 1,245 |
| Average total loans | $378,714,000 | 1,323 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7272% | 1,129 |
| Cost of funding earning assets | 0.3569% | 3,643 |
| Net interest margin | 4.3703% | 819 |
| Noninterest income to average assets | 0.8681% | 1,361 |
| Noninterest expense to average assets | 2.8173% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9820% | 2,318 |
| Return on assets (ROA) | 0.9841% | 2,346 |
| Pretax return on assets | 1.8860% | 616 |
| Return on Equity (ROE) | 8.5843% | 2,502 |
| Retained earnings to average equity (ytd only) | -7.6692% | 5,497 |
| Net charge-offs to loans | -0.0349% | 5,096 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5984% | 4,461 |
| Assets per employee ($millions) | 5.4171% | 2,029 |
| Cash dividends to net income (ytd only)* | 189.3396% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9420% | 598 |
| Loan loss allowance to noncurrent loans | 197.4652% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 1.2491% | 1,166 |
| Noncurrent loans to loans | 0.9835% | 1,800 |
| Net loans and leases to total assets | 66.2068% | 3,078 |
| Net loans and leases to deposits | 75.3479% | 3,404 |
| Net loans and leases to core deposits | 76.9208% | 3,674 |
| Total domestic deposits to total assets | 87.8682% | 1,571 |
| Equity capital to assets | 11.6696% | 2,059 |
| Core capital (leverage) ratio | 10.3792% | 2,988 |
| Tier 1 risk-based capital ratio | 15.0973% | 2,799 |
| Total risk-based capital ratio | 16.3567% | 2,736 |
| Memoranda: | ||
| Average total assets | $450,849,600 | 1,544 |
| Average earning assets | $395,305,000 | 1,610 |
| Average equity | $51,687,600 | 1,481 |
| Average total loans | $300,569,400 | 1,568 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5283% | 1,565 |
| Cost of funding earning assets | 0.3395% | 3,779 |
| Net interest margin | 4.1887% | 1,176 |
| Noninterest income to average assets | 0.8697% | 1,373 |
| Noninterest expense to average assets | 2.6063% | 3,390 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2994% | 1,334 |
| Return on assets (ROA) | 1.3025% | 1,365 |
| Pretax return on assets | 1.9876% | 566 |
| Return on Equity (ROE) | 11.4276% | 1,516 |
| Retained earnings to average equity (ytd only) | -11.6723% | 5,626 |
| Net charge-offs to loans | -0.0057% | 4,484 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7916% | 4,634 |
| Assets per employee ($millions) | 4.9940% | 2,451 |
| Cash dividends to net income (ytd only)* | 202.1416% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9369% | 651 |
| Loan loss allowance to noncurrent loans | 351.3261% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.9813% | 1,732 |
| Noncurrent loans to loans | 0.5513% | 3,043 |
| Net loans and leases to total assets | 63.0573% | 3,543 |
| Net loans and leases to deposits | 71.5796% | 3,818 |
| Net loans and leases to core deposits | 72.9783% | 4,060 |
| Total domestic deposits to total assets | 88.0940% | 1,317 |
| Equity capital to assets | 11.2127% | 2,656 |
| Core capital (leverage) ratio | 9.8113% | 3,806 |
| Tier 1 risk-based capital ratio | 14.6104% | 3,126 |
| Total risk-based capital ratio | 15.8701% | 3,039 |
| Memoranda: | ||
| Average total assets | $425,425,500 | 1,629 |
| Average earning assets | $377,766,750 | 1,693 |
| Average equity | $48,489,500 | 1,573 |
| Average total loans | $282,444,750 | 1,656 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8859% | 718 |
| Cost of funding earning assets | 0.3737% | 3,351 |
| Net interest margin | 4.5121% | 555 |
| Noninterest income to average assets | 1.0516% | 920 |
| Noninterest expense to average assets | 2.9128% | 2,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3976% | 1,077 |
| Return on assets (ROA) | 1.4029% | 1,089 |
| Pretax return on assets | 2.1240% | 424 |
| Return on Equity (ROE) | 12.2073% | 1,234 |
| Retained earnings to average equity (ytd only) | 12.2073% | 302 |
| Net charge-offs to loans | 0.0663% | 1,981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 1,121 |
| Efficiency ratio | 57.9215% | 4,602 |
| Assets per employee ($millions) | 4.4348% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6957% | 223 |
| Loan loss allowance to noncurrent loans | 1,229.4425% | 499 |
| Noncurrent assets plus other real estate owned to assets | 1.0245% | 1,708 |
| Noncurrent loans to loans | 0.2193% | 4,245 |
| Net loans and leases to total assets | 67.5770% | 2,868 |
| Net loans and leases to deposits | 77.1775% | 3,203 |
| Net loans and leases to core deposits | 79.8087% | 3,435 |
| Total domestic deposits to total assets | 87.5606% | 1,685 |
| Equity capital to assets | 11.9640% | 1,955 |
| Core capital (leverage) ratio | 11.1687% | 2,258 |
| Tier 1 risk-based capital ratio | 16.0360% | 2,490 |
| Total risk-based capital ratio | 17.3067% | 2,419 |
| Memoranda: | ||
| Average total assets | $375,796,000 | 1,823 |
| Average earning assets | $331,242,000 | 1,901 |
| Average equity | $43,187,330 | 1,732 |
| Average total loans | $253,493,000 | 1,804 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7972% | 750 |
| Cost of funding earning assets | 0.3666% | 3,354 |
| Net interest margin | 4.4306% | 603 |
| Noninterest income to average assets | 0.8720% | 1,328 |
| Noninterest expense to average assets | 2.7749% | 2,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3368% | 1,147 |
| Return on assets (ROA) | 1.3368% | 1,182 |
| Pretax return on assets | 1.9882% | 519 |
| Return on Equity (ROE) | 11.8774% | 1,276 |
| Retained earnings to average equity (ytd only) | 11.8774% | 483 |
| Net charge-offs to loans | 0.3224% | 577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.2786% | 2,003 |
| Efficiency ratio | 58.2587% | 4,686 |
| Assets per employee ($millions) | 4.4690% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7717% | 230 |
| Loan loss allowance to noncurrent loans | 861.9876% | 666 |
| Noncurrent assets plus other real estate owned to assets | 1.1525% | 1,532 |
| Noncurrent loans to loans | 0.3215% | 3,969 |
| Net loans and leases to total assets | 64.0793% | 3,263 |
| Net loans and leases to deposits | 72.5555% | 3,559 |
| Net loans and leases to core deposits | 74.9174% | 3,746 |
| Total domestic deposits to total assets | 88.3177% | 1,525 |
| Equity capital to assets | 11.3293% | 2,322 |
| Core capital (leverage) ratio | 10.8364% | 2,563 |
| Tier 1 risk-based capital ratio | 15.6020% | 2,714 |
| Total risk-based capital ratio | 16.8738% | 2,642 |
| Memoranda: | ||
| Average total assets | $375,216,500 | 1,831 |
| Average earning assets | $329,524,500 | 1,911 |
| Average equity | $42,231,500 | 1,768 |
| Average total loans | $249,343,500 | 1,837 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6650% | 1,131 |
| Cost of funding earning assets | 0.3729% | 3,288 |
| Net interest margin | 4.2921% | 943 |
| Noninterest income to average assets | 1.0093% | 1,120 |
| Noninterest expense to average assets | 3.0456% | 2,198 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.3513% | 184 |
| Return on assets (ROA) | 2.3649% | 181 |
| Pretax return on assets | 1.9473% | 564 |
| Return on Equity (ROE) | 22.0392% | 144 |
| Retained earnings to average equity (ytd only) | 20.4189% | 44 |
| Net charge-offs to loans | 0.2293% | 1,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 12.5924% | 2,435 |
| Efficiency ratio | 61.1654% | 4,387 |
| Assets per employee ($millions) | 4.5191% | 3,088 |
| Cash dividends to net income (ytd only)* | 7.3521% | 4,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8788% | 201 |
| Loan loss allowance to noncurrent loans | 621.6522% | 896 |
| Noncurrent assets plus other real estate owned to assets | 1.3925% | 1,230 |
| Noncurrent loans to loans | 0.4631% | 3,500 |
| Net loans and leases to total assets | 65.0850% | 3,208 |
| Net loans and leases to deposits | 73.5467% | 3,561 |
| Net loans and leases to core deposits | 76.3729% | 3,718 |
| Total domestic deposits to total assets | 88.4947% | 1,381 |
| Equity capital to assets | 11.1793% | 2,442 |
| Core capital (leverage) ratio | 10.5849% | 2,790 |
| Tier 1 risk-based capital ratio | 15.2225% | 2,878 |
| Total risk-based capital ratio | 16.5007% | 2,797 |
| Memoranda: | ||
| Average total assets | $359,467,600 | 1,857 |
| Average earning assets | $332,495,000 | 1,861 |
| Average equity | $38,572,200 | 1,907 |
| Average total loans | $240,741,600 | 1,843 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6751% | 1,124 |
| Cost of funding earning assets | 0.3761% | 3,270 |
| Net interest margin | 4.2990% | 930 |
| Noninterest income to average assets | 1.1046% | 930 |
| Noninterest expense to average assets | 3.0132% | 2,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.6394% | 134 |
| Return on assets (ROA) | 2.6566% | 133 |
| Pretax return on assets | 2.0955% | 473 |
| Return on Equity (ROE) | 25.0294% | 84 |
| Retained earnings to average equity (ytd only) | 22.8283% | 39 |
| Net charge-offs to loans | 0.2640% | 884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 11.7548% | 2,453 |
| Efficiency ratio | 59.1807% | 4,666 |
| Assets per employee ($millions) | 4.3420% | 3,347 |
| Cash dividends to net income (ytd only)* | 8.7941% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9222% | 206 |
| Loan loss allowance to noncurrent loans | 669.8795% | 834 |
| Noncurrent assets plus other real estate owned to assets | 1.4992% | 1,199 |
| Noncurrent loans to loans | 0.4362% | 3,722 |
| Net loans and leases to total assets | 66.6298% | 3,017 |
| Net loans and leases to deposits | 75.7359% | 3,427 |
| Net loans and leases to core deposits | 78.8799% | 3,568 |
| Total domestic deposits to total assets | 87.9764% | 1,414 |
| Equity capital to assets | 11.5885% | 2,442 |
| Core capital (leverage) ratio | 10.2771% | 3,249 |
| Tier 1 risk-based capital ratio | 15.1987% | 2,957 |
| Total risk-based capital ratio | 16.4794% | 2,876 |
| Memoranda: | ||
| Average total assets | $356,692,500 | 1,876 |
| Average earning assets | $330,794,000 | 1,871 |
| Average equity | $37,858,500 | 1,943 |
| Average total loans | $238,843,750 | 1,858 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6658% | 1,129 |
| Cost of funding earning assets | 0.3793% | 3,255 |
| Net interest margin | 4.2865% | 948 |
| Noninterest income to average assets | 0.9002% | 1,374 |
| Noninterest expense to average assets | 2.9050% | 2,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9755% | 346 |
| Return on assets (ROA) | 1.9935% | 351 |
| Pretax return on assets | 1.9935% | 576 |
| Return on Equity (ROE) | 19.3834% | 273 |
| Retained earnings to average equity (ytd only) | 19.3834% | 66 |
| Net charge-offs to loans | 0.2737% | 873 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 10.8700% | 2,299 |
| Efficiency ratio | 59.5227% | 4,706 |
| Assets per employee ($millions) | 4.2474% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0040% | 193 |
| Loan loss allowance to noncurrent loans | 293.9442% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 1.6794% | 1,075 |
| Noncurrent loans to loans | 1.0220% | 2,244 |
| Net loans and leases to total assets | 65.9858% | 3,085 |
| Net loans and leases to deposits | 74.2631% | 3,559 |
| Net loans and leases to core deposits | 77.4587% | 3,691 |
| Total domestic deposits to total assets | 88.8541% | 982 |
| Equity capital to assets | 10.7728% | 3,317 |
| Core capital (leverage) ratio | 9.9579% | 3,611 |
| Tier 1 risk-based capital ratio | 14.8358% | 3,146 |
| Total risk-based capital ratio | 16.1134% | 3,073 |
| Memoranda: | ||
| Average total assets | $355,462,000 | 1,881 |
| Average earning assets | $330,062,670 | 1,878 |
| Average equity | $36,557,000 | 2,014 |
| Average total loans | $236,008,000 | 1,876 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 897 |
| Cost of funding earning assets | 0.3971% | 3,106 |
| Net interest margin | 4.3790% | 776 |
| Noninterest income to average assets | 0.9845% | 1,116 |
| Noninterest expense to average assets | 2.8706% | 2,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0914% | 287 |
| Return on assets (ROA) | 2.0914% | 300 |
| Pretax return on assets | 2.0914% | 474 |
| Return on Equity (ROE) | 20.8426% | 198 |
| Retained earnings to average equity (ytd only) | 20.8426% | 79 |
| Net charge-offs to loans | 0.1211% | 1,381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 26.3429% | 1,276 |
| Efficiency ratio | 57.8514% | 5,016 |
| Assets per employee ($millions) | 4.4203% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2554% | 172 |
| Loan loss allowance to noncurrent loans | 247.9207% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 1.8460% | 991 |
| Noncurrent loans to loans | 1.3131% | 1,823 |
| Net loans and leases to total assets | 62.5665% | 3,446 |
| Net loans and leases to deposits | 69.8260% | 3,873 |
| Net loans and leases to core deposits | 72.8398% | 3,991 |
| Total domestic deposits to total assets | 89.6034% | 784 |
| Equity capital to assets | 10.1045% | 3,944 |
| Core capital (leverage) ratio | 9.7035% | 3,908 |
| Tier 1 risk-based capital ratio | 15.0807% | 3,119 |
| Total risk-based capital ratio | 16.3619% | 3,040 |
| Memoranda: | ||
| Average total assets | $352,678,500 | 1,897 |
| Average earning assets | $320,349,000 | 1,931 |
| Average equity | $35,389,000 | 2,065 |
| Average total loans | $231,209,000 | 1,907 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8112% | 907 |
| Cost of funding earning assets | 0.4141% | 3,005 |
| Net interest margin | 4.3971% | 796 |
| Noninterest income to average assets | 0.7738% | 1,882 |
| Noninterest expense to average assets | 3.7577% | 907 |
| Loan and lease loss provision to assets | -0.2822% | 6,050 |
| Net operating income to assets | 1.3705% | 1,100 |
| Return on assets (ROA) | 1.4009% | 1,078 |
| Pretax return on assets | 1.4009% | 1,899 |
| Return on Equity (ROE) | 14.9937% | 686 |
| Retained earnings to average equity (ytd only) | 14.9937% | 133 |
| Net charge-offs to loans | 0.1942% | 1,502 |
| Credit loss provision to net charge-offs | -219.7701% | 5,284 |
| Earnings coverage of net charge-offs (x) | 8.4736% | 2,943 |
| Efficiency ratio | 77.5436% | 2,043 |
| Assets per employee ($millions) | 4.1312% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3775% | 149 |
| Loan loss allowance to noncurrent loans | 287.9955% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 2.3760% | 668 |
| Noncurrent loans to loans | 1.1728% | 2,015 |
| Net loans and leases to total assets | 64.2489% | 3,239 |
| Net loans and leases to deposits | 71.6656% | 3,755 |
| Net loans and leases to core deposits | 75.3236% | 3,817 |
| Total domestic deposits to total assets | 89.6510% | 779 |
| Equity capital to assets | 9.9602% | 4,006 |
| Core capital (leverage) ratio | 9.5284% | 4,135 |
| Tier 1 risk-based capital ratio | 14.6283% | 3,366 |
| Total risk-based capital ratio | 15.9134% | 3,276 |
| Memoranda: | ||
| Average total assets | $338,720,600 | 1,931 |
| Average earning assets | $313,682,600 | 1,935 |
| Average equity | $31,646,600 | 2,218 |
| Average total loans | $224,044,000 | 1,898 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7975% | 940 |
| Cost of funding earning assets | 0.4148% | 3,070 |
| Net interest margin | 4.3828% | 825 |
| Noninterest income to average assets | 0.8003% | 1,803 |
| Noninterest expense to average assets | 3.7601% | 895 |
| Loan and lease loss provision to assets | -0.3028% | 6,161 |
| Net operating income to assets | 1.4112% | 1,085 |
| Return on assets (ROA) | 1.4491% | 1,053 |
| Pretax return on assets | 1.4491% | 1,832 |
| Return on Equity (ROE) | 15.7744% | 624 |
| Retained earnings to average equity (ytd only) | 15.7744% | 136 |
| Net charge-offs to loans | 0.2032% | 1,272 |
| Credit loss provision to net charge-offs | -225.5882% | 5,202 |
| Earnings coverage of net charge-offs (x) | 8.2559% | 2,831 |
| Efficiency ratio | 77.2344% | 2,054 |
| Assets per employee ($millions) | 4.0379% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5056% | 145 |
| Loan loss allowance to noncurrent loans | 332.9858% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 2.3848% | 752 |
| Noncurrent loans to loans | 1.0528% | 2,379 |
| Net loans and leases to total assets | 64.0377% | 3,304 |
| Net loans and leases to deposits | 71.2240% | 3,848 |
| Net loans and leases to core deposits | 76.0665% | 3,797 |
| Total domestic deposits to total assets | 89.9103% | 610 |
| Equity capital to assets | 9.5586% | 4,682 |
| Core capital (leverage) ratio | 9.1144% | 4,855 |
| Tier 1 risk-based capital ratio | 14.0925% | 3,800 |
| Total risk-based capital ratio | 15.3804% | 3,710 |
| Memoranda: | ||
| Average total assets | $337,677,500 | 1,950 |
| Average earning assets | $313,432,250 | 1,943 |
| Average equity | $31,020,000 | 2,266 |
| Average total loans | $223,053,500 | 1,915 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8153% | 866 |
| Cost of funding earning assets | 0.4172% | 3,068 |
| Net interest margin | 4.3981% | 763 |
| Noninterest income to average assets | 0.7581% | 1,962 |
| Noninterest expense to average assets | 3.3368% | 1,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4900% | 912 |
| Return on assets (ROA) | 1.5085% | 925 |
| Pretax return on assets | 1.5085% | 1,623 |
| Return on Equity (ROE) | 16.6511% | 533 |
| Retained earnings to average equity (ytd only) | 16.6511% | 137 |
| Net charge-offs to loans | 0.1490% | 1,599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 15.1636% | 1,993 |
| Efficiency ratio | 69.1302% | 3,467 |
| Assets per employee ($millions) | 3.9817% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9803% | 106 |
| Loan loss allowance to noncurrent loans | 260.1865% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 2.6546% | 684 |
| Noncurrent loans to loans | 1.5298% | 1,732 |
| Net loans and leases to total assets | 62.8899% | 3,428 |
| Net loans and leases to deposits | 69.9226% | 3,940 |
| Net loans and leases to core deposits | 74.5582% | 3,900 |
| Total domestic deposits to total assets | 89.9422% | 685 |
| Equity capital to assets | 9.0912% | 5,155 |
| Core capital (leverage) ratio | 8.9169% | 5,072 |
| Tier 1 risk-based capital ratio | 14.0449% | 3,900 |
| Total risk-based capital ratio | 15.3381% | 3,801 |
| Memoranda: | ||
| Average total assets | $335,829,670 | 1,977 |
| Average earning assets | $310,677,000 | 1,973 |
| Average equity | $30,424,330 | 2,309 |
| Average total loans | $221,479,330 | 1,932 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7605% | 927 |
| Cost of funding earning assets | 0.4259% | 3,005 |
| Net interest margin | 4.3346% | 821 |
| Noninterest income to average assets | 0.6857% | 2,225 |
| Noninterest expense to average assets | 3.2538% | 1,835 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4351% | 973 |
| Return on assets (ROA) | 1.4627% | 977 |
| Pretax return on assets | 1.4627% | 1,683 |
| Return on Equity (ROE) | 16.1751% | 549 |
| Retained earnings to average equity (ytd only) | 16.1751% | 210 |
| Net charge-offs to loans | 0.2999% | 791 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.2303% | 2,192 |
| Efficiency ratio | 69.3946% | 3,599 |
| Assets per employee ($millions) | 4.0830% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0583% | 119 |
| Loan loss allowance to noncurrent loans | 271.5024% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 2.6794% | 757 |
| Noncurrent loans to loans | 1.4947% | 1,891 |
| Net loans and leases to total assets | 62.2756% | 3,322 |
| Net loans and leases to deposits | 69.2656% | 3,830 |
| Net loans and leases to core deposits | 73.9079% | 3,784 |
| Total domestic deposits to total assets | 89.9084% | 787 |
| Equity capital to assets | 9.1140% | 5,178 |
| Core capital (leverage) ratio | 8.9327% | 5,036 |
| Tier 1 risk-based capital ratio | 14.3329% | 3,814 |
| Total risk-based capital ratio | 15.6203% | 3,712 |
| Memoranda: | ||
| Average total assets | $332,529,500 | 2,003 |
| Average earning assets | $307,110,000 | 2,007 |
| Average equity | $30,071,000 | 2,347 |
| Average total loans | $220,078,500 | 1,937 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8174% | 1,083 |
| Cost of funding earning assets | 0.4817% | 2,861 |
| Net interest margin | 4.3357% | 983 |
| Noninterest income to average assets | 1.0940% | 1,014 |
| Noninterest expense to average assets | 3.1700% | 2,292 |
| Loan and lease loss provision to assets | 0.0733% | 3,014 |
| Net operating income to assets | 1.8376% | 442 |
| Return on assets (ROA) | 1.8563% | 437 |
| Pretax return on assets | 1.8563% | 704 |
| Return on Equity (ROE) | 24.8142% | 108 |
| Retained earnings to average equity (ytd only) | 24.8142% | 41 |
| Net charge-offs to loans | 0.5918% | 674 |
| Credit loss provision to net charge-offs | 19.1489% | 3,983 |
| Earnings coverage of net charge-offs (x) | 4.9937% | 3,524 |
| Efficiency ratio | 62.3917% | 4,846 |
| Assets per employee ($millions) | 3.9298% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1292% | 121 |
| Loan loss allowance to noncurrent loans | 299.3744% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 2.7820% | 777 |
| Noncurrent loans to loans | 1.3793% | 2,123 |
| Net loans and leases to total assets | 64.7186% | 3,103 |
| Net loans and leases to deposits | 71.8574% | 3,699 |
| Net loans and leases to core deposits | 75.2665% | 3,793 |
| Total domestic deposits to total assets | 90.0654% | 703 |
| Equity capital to assets | 8.9695% | 5,325 |
| Core capital (leverage) ratio | 8.5184% | 5,543 |
| Tier 1 risk-based capital ratio | 13.6204% | 4,342 |
| Total risk-based capital ratio | 14.9099% | 4,258 |
| Memoranda: | ||
| Average total assets | $331,636,000 | 1,958 |
| Average earning assets | $304,954,200 | 1,969 |
| Average equity | $24,808,400 | 2,684 |
| Average total loans | $214,445,200 | 1,939 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8092% | 1,089 |
| Cost of funding earning assets | 0.4893% | 2,870 |
| Net interest margin | 4.3199% | 1,009 |
| Noninterest income to average assets | 0.9065% | 1,501 |
| Noninterest expense to average assets | 3.0738% | 2,547 |
| Loan and lease loss provision to assets | 0.0573% | 3,222 |
| Net operating income to assets | 1.7449% | 569 |
| Return on assets (ROA) | 1.7549% | 573 |
| Pretax return on assets | 1.7549% | 972 |
| Return on Equity (ROE) | 24.6612% | 110 |
| Retained earnings to average equity (ytd only) | 24.6612% | 37 |
| Net charge-offs to loans | 0.7899% | 423 |
| Credit loss provision to net charge-offs | 11.3312% | 3,687 |
| Earnings coverage of net charge-offs (x) | 3.5666% | 3,636 |
| Efficiency ratio | 63.0399% | 4,717 |
| Assets per employee ($millions) | 3.9448% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1151% | 152 |
| Loan loss allowance to noncurrent loans | 211.6914% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 3.4202% | 634 |
| Noncurrent loans to loans | 1.9439% | 1,640 |
| Net loans and leases to total assets | 63.2791% | 3,298 |
| Net loans and leases to deposits | 69.5478% | 3,968 |
| Net loans and leases to core deposits | 74.0702% | 3,932 |
| Total domestic deposits to total assets | 90.9865% | 365 |
| Equity capital to assets | 8.0282% | 6,118 |
| Core capital (leverage) ratio | 7.7768% | 6,176 |
| Tier 1 risk-based capital ratio | 12.5443% | 5,141 |
| Total risk-based capital ratio | 13.8335% | 5,046 |
| Memoranda: | ||
| Average total assets | $333,002,000 | 1,961 |
| Average earning assets | $305,988,500 | 1,973 |
| Average equity | $23,696,500 | 2,789 |
| Average total loans | $213,010,000 | 1,965 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7783% | 1,107 |
| Cost of funding earning assets | 0.4986% | 2,853 |
| Net interest margin | 4.2797% | 1,069 |
| Noninterest income to average assets | 0.7243% | 2,168 |
| Noninterest expense to average assets | 3.0946% | 2,521 |
| Loan and lease loss provision to assets | 0.0827% | 2,650 |
| Net operating income to assets | 1.4840% | 899 |
| Return on assets (ROA) | 1.4840% | 931 |
| Pretax return on assets | 1.4840% | 1,587 |
| Return on Equity (ROE) | 21.7793% | 205 |
| Retained earnings to average equity (ytd only) | 21.7793% | 67 |
| Net charge-offs to loans | 0.8156% | 466 |
| Credit loss provision to net charge-offs | 16.0279% | 3,244 |
| Earnings coverage of net charge-offs (x) | 3.0348% | 3,405 |
| Efficiency ratio | 66.3880% | 4,300 |
| Assets per employee ($millions) | 4.0553% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3608% | 136 |
| Loan loss allowance to noncurrent loans | 178.9524% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 3.8595% | 575 |
| Noncurrent loans to loans | 2.4368% | 1,287 |
| Net loans and leases to total assets | 61.9637% | 3,415 |
| Net loans and leases to deposits | 67.1563% | 4,149 |
| Net loans and leases to core deposits | 72.2525% | 4,027 |
| Total domestic deposits to total assets | 92.2678% | 139 |
| Equity capital to assets | 7.3855% | 6,373 |
| Core capital (leverage) ratio | 7.0287% | 6,423 |
| Tier 1 risk-based capital ratio | 12.1338% | 5,464 |
| Total risk-based capital ratio | 13.4281% | 5,351 |
| Memoranda: | ||
| Average total assets | $333,549,670 | 1,959 |
| Average earning assets | $306,843,000 | 1,968 |
| Average equity | $22,728,000 | 2,879 |
| Average total loans | $211,120,000 | 1,975 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7364% | 1,177 |
| Cost of funding earning assets | 0.5089% | 2,810 |
| Net interest margin | 4.2275% | 1,147 |
| Noninterest income to average assets | 0.7400% | 1,991 |
| Noninterest expense to average assets | 3.1695% | 2,327 |
| Loan and lease loss provision to assets | 0.1652% | 1,464 |
| Net operating income to assets | 1.2848% | 1,256 |
| Return on assets (ROA) | 1.2848% | 1,302 |
| Pretax return on assets | 1.2848% | 2,152 |
| Return on Equity (ROE) | 19.6768% | 316 |
| Retained earnings to average equity (ytd only) | 19.6768% | 128 |
| Net charge-offs to loans | 0.5704% | 646 |
| Credit loss provision to net charge-offs | 46.3087% | 2,241 |
| Earnings coverage of net charge-offs (x) | 4.0638% | 2,574 |
| Efficiency ratio | 68.6107% | 4,077 |
| Assets per employee ($millions) | 4.1447% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7593% | 105 |
| Loan loss allowance to noncurrent loans | 149.3401% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 4.5509% | 480 |
| Noncurrent loans to loans | 3.1869% | 965 |
| Net loans and leases to total assets | 58.6333% | 3,746 |
| Net loans and leases to deposits | 63.0097% | 4,429 |
| Net loans and leases to core deposits | 67.5544% | 4,350 |
| Total domestic deposits to total assets | 93.0543% | 112 |
| Equity capital to assets | 6.6565% | 6,507 |
| Core capital (leverage) ratio | 6.5513% | 6,534 |
| Tier 1 risk-based capital ratio | 11.7106% | 5,809 |
| Total risk-based capital ratio | 13.0108% | 5,720 |
| Memoranda: | ||
| Average total assets | $334,058,500 | 1,962 |
| Average earning assets | $306,565,000 | 1,972 |
| Average equity | $21,812,500 | 2,964 |
| Average total loans | $208,958,000 | 1,981 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9006% | 1,098 |
| Cost of funding earning assets | 0.6418% | 2,282 |
| Net interest margin | 4.2588% | 1,197 |
| Noninterest income to average assets | 0.5224% | 3,608 |
| Noninterest expense to average assets | 2.8958% | 3,382 |
| Loan and lease loss provision to assets | 0.5674% | 458 |
| Net operating income to assets | 0.9656% | 2,486 |
| Return on assets (ROA) | 1.0435% | 2,213 |
| Pretax return on assets | 1.0435% | 3,178 |
| Return on Equity (ROE) | 16.7685% | 529 |
| Retained earnings to average equity (ytd only) | 16.7685% | 130 |
| Net charge-offs to loans | 1.4356% | 337 |
| Credit loss provision to net charge-offs | 60.6605% | 3,542 |
| Earnings coverage of net charge-offs (x) | 1.6390% | 4,507 |
| Efficiency ratio | 65.3870% | 4,674 |
| Assets per employee ($millions) | 3.9078% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8485% | 101 |
| Loan loss allowance to noncurrent loans | 126.0339% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 5.1345% | 451 |
| Noncurrent loans to loans | 3.8470% | 773 |
| Net loans and leases to total assets | 60.4919% | 3,627 |
| Net loans and leases to deposits | 64.8608% | 4,428 |
| Net loans and leases to core deposits | 68.5895% | 4,438 |
| Total domestic deposits to total assets | 93.2643% | 113 |
| Equity capital to assets | 6.3981% | 6,581 |
| Core capital (leverage) ratio | 6.4130% | 6,606 |
| Tier 1 risk-based capital ratio | 11.0104% | 6,167 |
| Total risk-based capital ratio | 12.3108% | 6,086 |
| Memoranda: | ||
| Average total assets | $333,479,400 | 1,929 |
| Average earning assets | $305,881,400 | 1,935 |
| Average equity | $20,753,200 | 3,078 |
| Average total loans | $217,263,000 | 1,884 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9161% | 1,089 |
| Cost of funding earning assets | 0.6640% | 2,226 |
| Net interest margin | 4.2521% | 1,204 |
| Noninterest income to average assets | 0.6221% | 3,027 |
| Noninterest expense to average assets | 2.8611% | 3,442 |
| Loan and lease loss provision to assets | 0.4421% | 649 |
| Net operating income to assets | 1.2206% | 1,563 |
| Return on assets (ROA) | 1.2517% | 1,555 |
| Pretax return on assets | 1.2517% | 2,507 |
| Return on Equity (ROE) | 20.2531% | 285 |
| Retained earnings to average equity (ytd only) | 20.2531% | 77 |
| Net charge-offs to loans | 1.7374% | 242 |
| Credit loss provision to net charge-offs | 38.8248% | 3,730 |
| Earnings coverage of net charge-offs (x) | 1.4603% | 4,350 |
| Efficiency ratio | 63.2450% | 4,931 |
| Assets per employee ($millions) | 4.0684% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4935% | 162 |
| Loan loss allowance to noncurrent loans | 81.9471% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 6.0737% | 392 |
| Noncurrent loans to loans | 5.4834% | 499 |
| Net loans and leases to total assets | 62.6652% | 3,228 |
| Net loans and leases to deposits | 67.3065% | 4,139 |
| Net loans and leases to core deposits | 71.6697% | 4,131 |
| Total domestic deposits to total assets | 93.1041% | 116 |
| Equity capital to assets | 6.4666% | 6,647 |
| Core capital (leverage) ratio | 6.1760% | 6,697 |
| Tier 1 risk-based capital ratio | 10.5924% | 6,424 |
| Total risk-based capital ratio | 11.8889% | 6,383 |
| Memoranda: | ||
| Average total assets | $334,786,250 | 1,929 |
| Average earning assets | $307,200,000 | 1,937 |
| Average equity | $20,691,000 | 3,115 |
| Average total loans | $219,407,750 | 1,867 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9026% | 1,088 |
| Cost of funding earning assets | 0.6828% | 2,203 |
| Net interest margin | 4.2198% | 1,226 |
| Noninterest income to average assets | 0.4646% | 4,063 |
| Noninterest expense to average assets | 2.6772% | 4,121 |
| Loan and lease loss provision to assets | 0.5505% | 483 |
| Net operating income to assets | 1.1146% | 1,880 |
| Return on assets (ROA) | 1.1246% | 1,957 |
| Pretax return on assets | 1.1246% | 2,993 |
| Return on Equity (ROE) | 18.4714% | 428 |
| Retained earnings to average equity (ytd only) | 18.4714% | 115 |
| Net charge-offs to loans | 1.9561% | 232 |
| Credit loss provision to net charge-offs | 42.9561% | 3,360 |
| Earnings coverage of net charge-offs (x) | 1.2993% | 4,111 |
| Efficiency ratio | 61.6549% | 5,223 |
| Assets per employee ($millions) | 4.1306% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6524% | 155 |
| Loan loss allowance to noncurrent loans | 84.4894% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 6.2252% | 426 |
| Noncurrent loans to loans | 5.5065% | 557 |
| Net loans and leases to total assets | 62.7015% | 3,156 |
| Net loans and leases to deposits | 67.7454% | 4,049 |
| Net loans and leases to core deposits | 72.9296% | 3,938 |
| Total domestic deposits to total assets | 92.5547% | 175 |
| Equity capital to assets | 6.2294% | 6,724 |
| Core capital (leverage) ratio | 5.6628% | 6,783 |
| Tier 1 risk-based capital ratio | 9.6185% | 6,706 |
| Total risk-based capital ratio | 10.9166% | 6,678 |
| Memoranda: | ||
| Average total assets | $337,891,330 | 1,920 |
| Average earning assets | $310,488,000 | 1,928 |
| Average equity | $20,572,330 | 3,146 |
| Average total loans | $221,359,330 | 1,844 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8245% | 1,243 |
| Cost of funding earning assets | 0.6977% | 2,236 |
| Net interest margin | 4.1267% | 1,385 |
| Noninterest income to average assets | 0.6944% | 2,620 |
| Noninterest expense to average assets | 2.7739% | 3,790 |
| Loan and lease loss provision to assets | 0.6147% | 410 |
| Net operating income to assets | 1.1077% | 1,828 |
| Return on assets (ROA) | 1.1276% | 1,870 |
| Pretax return on assets | 1.1276% | 2,856 |
| Return on Equity (ROE) | 18.7299% | 380 |
| Retained earnings to average equity (ytd only) | 18.7299% | 177 |
| Net charge-offs to loans | 2.2186% | 202 |
| Credit loss provision to net charge-offs | 42.3729% | 2,715 |
| Earnings coverage of net charge-offs (x) | 1.1872% | 3,432 |
| Efficiency ratio | 61.6927% | 5,346 |
| Assets per employee ($millions) | 4.4121% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7925% | 153 |
| Loan loss allowance to noncurrent loans | 71.1723% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 6.9617% | 405 |
| Noncurrent loans to loans | 6.7337% | 458 |
| Net loans and leases to total assets | 61.3689% | 3,196 |
| Net loans and leases to deposits | 66.1711% | 4,031 |
| Net loans and leases to core deposits | 71.0317% | 3,952 |
| Total domestic deposits to total assets | 92.7428% | 148 |
| Equity capital to assets | 6.1106% | 6,819 |
| Core capital (leverage) ratio | 4.8995% | 6,885 |
| Tier 1 risk-based capital ratio | 8.4259% | 6,842 |
| Total risk-based capital ratio | 9.7274% | 6,844 |
| Memoranda: | ||
| Average total assets | $341,613,000 | 1,928 |
| Average earning assets | $314,727,500 | 1,930 |
| Average equity | $20,566,000 | 3,191 |
| Average total loans | $223,386,000 | 1,841 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0409% | 1,453 |
| Cost of funding earning assets | 0.8817% | 2,060 |
| Net interest margin | 4.1592% | 1,779 |
| Noninterest income to average assets | -0.3843% | 7,013 |
| Noninterest expense to average assets | 3.0259% | 3,179 |
| Loan and lease loss provision to assets | 1.8229% | 135 |
| Net operating income to assets | -1.4122% | 6,840 |
| Return on assets (ROA) | -1.3782% | 6,843 |
| Pretax return on assets | -1.3782% | 6,821 |
| Return on Equity (ROE) | -22.1769% | 6,905 |
| Retained earnings to average equity (ytd only) | -22.1769% | 6,876 |
| Net charge-offs to loans | 1.7662% | 467 |
| Credit loss provision to net charge-offs | 146.9374% | 1,852 |
| Earnings coverage of net charge-offs (x) | 0.3311% | 5,313 |
| Efficiency ratio | 88.0476% | 1,238 |
| Assets per employee ($millions) | 4.4617% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0434% | 130 |
| Loan loss allowance to noncurrent loans | 69.3248% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 7.8485% | 362 |
| Noncurrent loans to loans | 7.2751% | 427 |
| Net loans and leases to total assets | 62.9932% | 3,058 |
| Net loans and leases to deposits | 68.9825% | 3,838 |
| Net loans and leases to core deposits | 73.5303% | 3,844 |
| Total domestic deposits to total assets | 91.3175% | 393 |
| Equity capital to assets | 5.9286% | 6,898 |
| Core capital (leverage) ratio | 4.7348% | 6,948 |
| Tier 1 risk-based capital ratio | 7.9364% | 6,915 |
| Total risk-based capital ratio | 9.2425% | 6,916 |
| Memoranda: | ||
| Average total assets | $347,406,000 | 1,862 |
| Average earning assets | $319,146,400 | 1,858 |
| Average equity | $21,590,000 | 3,028 |
| Average total loans | $244,031,600 | 1,693 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1326% | 1,347 |
| Cost of funding earning assets | 0.9165% | 2,062 |
| Net interest margin | 4.2160% | 1,690 |
| Noninterest income to average assets | -0.1248% | 7,039 |
| Noninterest expense to average assets | 2.8960% | 3,615 |
| Loan and lease loss provision to assets | 2.4161% | 69 |
| Net operating income to assets | -1.5638% | 6,982 |
| Return on assets (ROA) | -1.5367% | 6,986 |
| Pretax return on assets | -1.5367% | 6,964 |
| Return on Equity (ROE) | -24.4540% | 7,032 |
| Retained earnings to average equity (ytd only) | -24.4540% | 7,021 |
| Net charge-offs to loans | 1.5412% | 552 |
| Credit loss provision to net charge-offs | 220.2017% | 1,263 |
| Earnings coverage of net charge-offs (x) | 0.7768% | 4,939 |
| Efficiency ratio | 77.2621% | 2,487 |
| Assets per employee ($millions) | 4.3614% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3861% | 109 |
| Loan loss allowance to noncurrent loans | 65.9153% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 9.4606% | 271 |
| Noncurrent loans to loans | 8.1713% | 373 |
| Net loans and leases to total assets | 67.7222% | 2,335 |
| Net loans and leases to deposits | 74.5948% | 3,206 |
| Net loans and leases to core deposits | 81.2217% | 3,059 |
| Total domestic deposits to total assets | 90.7868% | 483 |
| Equity capital to assets | 6.3213% | 6,965 |
| Core capital (leverage) ratio | 5.0278% | 7,027 |
| Tier 1 risk-based capital ratio | 8.0230% | 6,990 |
| Total risk-based capital ratio | 9.3332% | 6,990 |
| Memoranda: | ||
| Average total assets | $349,486,000 | 1,873 |
| Average earning assets | $321,052,500 | 1,868 |
| Average equity | $21,961,750 | 3,000 |
| Average total loans | $248,803,000 | 1,669 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1070% | 1,487 |
| Cost of funding earning assets | 0.9408% | 2,115 |
| Net interest margin | 4.1662% | 1,845 |
| Noninterest income to average assets | 0.1761% | 6,298 |
| Noninterest expense to average assets | 2.8968% | 3,628 |
| Loan and lease loss provision to assets | 3.1523% | 52 |
| Net operating income to assets | -2.0462% | 7,069 |
| Return on assets (ROA) | -2.0254% | 7,080 |
| Pretax return on assets | -2.0254% | 7,070 |
| Return on Equity (ROE) | -32.2899% | 7,118 |
| Retained earnings to average equity (ytd only) | -32.2899% | 7,110 |
| Net charge-offs to loans | 1.8642% | 473 |
| Credit loss provision to net charge-offs | 237.9193% | 1,207 |
| Earnings coverage of net charge-offs (x) | 0.8348% | 4,641 |
| Efficiency ratio | 72.3682% | 3,364 |
| Assets per employee ($millions) | 4.6788% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1646% | 141 |
| Loan loss allowance to noncurrent loans | 50.9381% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 10.7933% | 222 |
| Noncurrent loans to loans | 10.1389% | 259 |
| Net loans and leases to total assets | 67.5790% | 2,351 |
| Net loans and leases to deposits | 74.3542% | 3,232 |
| Net loans and leases to core deposits | 81.5725% | 3,011 |
| Total domestic deposits to total assets | 90.8879% | 490 |
| Equity capital to assets | 6.3190% | 7,001 |
| Core capital (leverage) ratio | 4.9880% | 7,070 |
| Tier 1 risk-based capital ratio | 7.9651% | 7,042 |
| Total risk-based capital ratio | 9.2718% | 7,040 |
| Memoranda: | ||
| Average total assets | $355,491,670 | 1,848 |
| Average earning assets | $326,535,330 | 1,837 |
| Average equity | $22,298,000 | 2,951 |
| Average total loans | $252,651,670 | 1,647 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0522% | 1,712 |
| Cost of funding earning assets | 0.9625% | 2,214 |
| Net interest margin | 4.0897% | 2,139 |
| Noninterest income to average assets | 0.5981% | 3,243 |
| Noninterest expense to average assets | 3.0525% | 3,074 |
| Loan and lease loss provision to assets | 3.5590% | 44 |
| Net operating income to assets | -2.2480% | 7,174 |
| Return on assets (ROA) | -2.2071% | 7,173 |
| Pretax return on assets | -2.2071% | 7,154 |
| Return on Equity (ROE) | -35.3115% | 7,185 |
| Retained earnings to average equity (ytd only) | -35.3115% | 7,165 |
| Net charge-offs to loans | 1.2267% | 831 |
| Credit loss provision to net charge-offs | 408.7452% | 771 |
| Earnings coverage of net charge-offs (x) | 1.5057% | 3,574 |
| Efficiency ratio | 69.9545% | 3,816 |
| Assets per employee ($millions) | 5.1304% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6705% | 224 |
| Loan loss allowance to noncurrent loans | 43.0318% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 11.3561% | 232 |
| Noncurrent loans to loans | 10.8537% | 257 |
| Net loans and leases to total assets | 66.8258% | 2,327 |
| Net loans and leases to deposits | 73.1769% | 3,250 |
| Net loans and leases to core deposits | 79.7938% | 3,096 |
| Total domestic deposits to total assets | 91.3209% | 431 |
| Equity capital to assets | 6.0819% | 7,067 |
| Core capital (leverage) ratio | 4.9566% | 7,122 |
| Tier 1 risk-based capital ratio | 7.8788% | 7,094 |
| Total risk-based capital ratio | 9.1779% | 7,096 |
| Memoranda: | ||
| Average total assets | $362,459,500 | 1,826 |
| Average earning assets | $333,715,500 | 1,811 |
| Average equity | $22,655,500 | 2,890 |
| Average total loans | $257,282,500 | 1,623 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2904% | 1,733 |
| Cost of funding earning assets | 1.3046% | 1,465 |
| Net interest margin | 3.9859% | 2,957 |
| Noninterest income to average assets | -0.2646% | 7,185 |
| Noninterest expense to average assets | 2.5540% | 5,270 |
| Loan and lease loss provision to assets | 3.7204% | 68 |
| Net operating income to assets | -2.9254% | 7,169 |
| Return on assets (ROA) | -2.8406% | 7,168 |
| Pretax return on assets | -2.8406% | 7,168 |
| Return on Equity (ROE) | -45.8931% | 7,191 |
| Retained earnings to average equity (ytd only) | -45.8931% | 7,187 |
| Net charge-offs to loans | 4.1261% | 141 |
| Credit loss provision to net charge-offs | 121.5084% | 2,606 |
| Earnings coverage of net charge-offs (x) | 0.2596% | 5,635 |
| Efficiency ratio | 76.2624% | 2,846 |
| Assets per employee ($millions) | 5.2256% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5470% | 516 |
| Loan loss allowance to noncurrent loans | 33.3715% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 10.9413% | 271 |
| Noncurrent loans to loans | 10.6287% | 280 |
| Net loans and leases to total assets | 69.3004% | 2,158 |
| Net loans and leases to deposits | 77.1723% | 2,974 |
| Net loans and leases to core deposits | 83.8726% | 2,909 |
| Total domestic deposits to total assets | 89.7996% | 1,098 |
| Equity capital to assets | 6.4160% | 7,051 |
| Core capital (leverage) ratio | 5.2391% | 7,120 |
| Tier 1 risk-based capital ratio | 8.2030% | 7,101 |
| Total risk-based capital ratio | 9.4867% | 7,103 |
| Memoranda: | ||
| Average total assets | $391,466,400 | 1,653 |
| Average earning assets | $354,904,400 | 1,667 |
| Average equity | $24,230,200 | 2,643 |
| Average total loans | $290,489,400 | 1,474 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3104% | 1,816 |
| Cost of funding earning assets | 1.3764% | 1,335 |
| Net interest margin | 3.9339% | 3,214 |
| Noninterest income to average assets | -0.3190% | 7,305 |
| Noninterest expense to average assets | 2.4640% | 5,578 |
| Loan and lease loss provision to assets | 4.5168% | 43 |
| Net operating income to assets | -3.7504% | 7,321 |
| Return on assets (ROA) | -3.6599% | 7,317 |
| Pretax return on assets | -3.6599% | 7,313 |
| Return on Equity (ROE) | -59.6315% | 7,322 |
| Retained earnings to average equity (ytd only) | -59.6315% | 7,319 |
| Net charge-offs to loans | 4.8789% | 99 |
| Credit loss provision to net charge-offs | 123.8537% | 2,600 |
| Earnings coverage of net charge-offs (x) | 0.2101% | 5,438 |
| Efficiency ratio | 76.2759% | 2,804 |
| Assets per employee ($millions) | 5.4839% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4401% | 593 |
| Loan loss allowance to noncurrent loans | 34.3029% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 10.5482% | 325 |
| Noncurrent loans to loans | 10.0285% | 357 |
| Net loans and leases to total assets | 70.3031% | 2,020 |
| Net loans and leases to deposits | 78.2915% | 2,922 |
| Net loans and leases to core deposits | 85.7907% | 2,806 |
| Total domestic deposits to total assets | 89.7967% | 982 |
| Equity capital to assets | 6.3959% | 7,148 |
| Core capital (leverage) ratio | 5.1302% | 7,220 |
| Tier 1 risk-based capital ratio | 8.0301% | 7,192 |
| Total risk-based capital ratio | 9.3123% | 7,192 |
| Memoranda: | ||
| Average total assets | $397,885,500 | 1,640 |
| Average earning assets | $358,988,000 | 1,652 |
| Average equity | $24,420,500 | 2,638 |
| Average total loans | $297,407,750 | 1,445 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2232% | 2,173 |
| Cost of funding earning assets | 1.4291% | 1,284 |
| Net interest margin | 3.7941% | 3,811 |
| Noninterest income to average assets | -0.2349% | 7,352 |
| Noninterest expense to average assets | 2.4204% | 5,781 |
| Loan and lease loss provision to assets | 6.2716% | 23 |
| Net operating income to assets | -5.5193% | 7,454 |
| Return on assets (ROA) | -5.4809% | 7,452 |
| Pretax return on assets | -5.4809% | 7,450 |
| Return on Equity (ROE) | -90.4661% | 7,429 |
| Retained earnings to average equity (ytd only) | -90.4661% | 7,427 |
| Net charge-offs to loans | 6.1606% | 78 |
| Credit loss provision to net charge-offs | 135.1225% | 2,260 |
| Earnings coverage of net charge-offs (x) | 0.1621% | 5,180 |
| Efficiency ratio | 76.2880% | 2,967 |
| Assets per employee ($millions) | 5.7641% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4234% | 635 |
| Loan loss allowance to noncurrent loans | 41.3820% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 9.7408% | 411 |
| Noncurrent loans to loans | 8.2728% | 530 |
| Net loans and leases to total assets | 72.3682% | 1,713 |
| Net loans and leases to deposits | 80.7118% | 2,663 |
| Net loans and leases to core deposits | 89.6131% | 2,424 |
| Total domestic deposits to total assets | 89.6625% | 1,140 |
| Equity capital to assets | 5.9654% | 7,247 |
| Core capital (leverage) ratio | 4.8662% | 7,306 |
| Tier 1 risk-based capital ratio | 7.1367% | 7,304 |
| Total risk-based capital ratio | 8.4175% | 7,304 |
| Memoranda: | ||
| Average total assets | $406,211,330 | 1,618 |
| Average earning assets | $364,832,330 | 1,641 |
| Average equity | $24,610,330 | 2,593 |
| Average total loans | $306,041,670 | 1,416 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0141% | 3,042 |
| Cost of funding earning assets | 1.5003% | 1,162 |
| Net interest margin | 3.5138% | 4,945 |
| Noninterest income to average assets | 0.0900% | 6,966 |
| Noninterest expense to average assets | 2.4900% | 5,584 |
| Loan and lease loss provision to assets | 9.5999% | 16 |
| Net operating income to assets | -8.8790% | 7,547 |
| Return on assets (ROA) | -8.8644% | 7,547 |
| Pretax return on assets | -8.8644% | 7,543 |
| Return on Equity (ROE) | -145.2556% | 7,520 |
| Retained earnings to average equity (ytd only) | -145.2556% | 7,515 |
| Net charge-offs to loans | 7.7769% | 57 |
| Credit loss provision to net charge-offs | 163.4267% | 1,773 |
| Earnings coverage of net charge-offs (x) | 0.1227% | 4,508 |
| Efficiency ratio | 77.5467% | 2,909 |
| Assets per employee ($millions) | 5.9570% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4847% | 613 |
| Loan loss allowance to noncurrent loans | 32.8150% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 10.8874% | 344 |
| Noncurrent loans to loans | 10.6193% | 354 |
| Net loans and leases to total assets | 72.4359% | 1,622 |
| Net loans and leases to deposits | 80.2696% | 2,669 |
| Net loans and leases to core deposits | 90.3620% | 2,309 |
| Total domestic deposits to total assets | 90.2408% | 996 |
| Equity capital to assets | 5.2763% | 7,355 |
| Core capital (leverage) ratio | 4.2663% | 7,414 |
| Tier 1 risk-based capital ratio | 6.3722% | 7,410 |
| Total risk-based capital ratio | 7.6537% | 7,410 |
| Memoranda: | ||
| Average total assets | $413,336,500 | 1,603 |
| Average earning assets | $367,126,500 | 1,641 |
| Average equity | $25,224,500 | 2,520 |
| Average total loans | $312,207,500 | 1,397 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9333% | 977 |
| Cost of funding earning assets | 1.9158% | 797 |
| Net interest margin | 4.0175% | 2,938 |
| Noninterest income to average assets | -0.0192% | 7,319 |
| Noninterest expense to average assets | 2.2946% | 6,373 |
| Loan and lease loss provision to assets | 3.5496% | 217 |
| Net operating income to assets | -1.5809% | 6,933 |
| Return on assets (ROA) | -1.5940% | 6,959 |
| Pretax return on assets | -2.3195% | 7,117 |
| Return on Equity (ROE) | -20.3026% | 7,046 |
| Retained earnings to average equity (ytd only) | -20.3026% | 7,020 |
| Net charge-offs to loans | 4.6011% | 226 |
| Credit loss provision to net charge-offs | 97.6620% | 4,749 |
| Earnings coverage of net charge-offs (x) | 0.3437% | 5,760 |
| Efficiency ratio | 64.7510% | 5,208 |
| Assets per employee ($millions) | 6.1101% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1049% | 2,063 |
| Loan loss allowance to noncurrent loans | 29.9507% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 8.2379% | 588 |
| Noncurrent loans to loans | 7.0277% | 799 |
| Net loans and leases to total assets | 74.3972% | 1,581 |
| Net loans and leases to deposits | 83.8113% | 2,483 |
| Net loans and leases to core deposits | 93.7028% | 2,296 |
| Total domestic deposits to total assets | 88.7675% | 1,787 |
| Equity capital to assets | 6.8966% | 7,142 |
| Core capital (leverage) ratio | 6.0304% | 7,296 |
| Tier 1 risk-based capital ratio | 8.5871% | 7,298 |
| Total risk-based capital ratio | 9.8499% | 7,303 |
| Memoranda: | ||
| Average total assets | $427,169,000 | 1,562 |
| Average earning assets | $378,841,800 | 1,590 |
| Average equity | $33,537,600 | 1,969 |
| Average total loans | $337,441,800 | 1,323 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8730% | 1,197 |
| Cost of funding earning assets | 1.9785% | 806 |
| Net interest margin | 3.8945% | 3,553 |
| Noninterest income to average assets | -0.0930% | 7,531 |
| Noninterest expense to average assets | 2.2997% | 6,329 |
| Loan and lease loss provision to assets | 4.1294% | 145 |
| Net operating income to assets | -1.9748% | 7,233 |
| Return on assets (ROA) | -1.9693% | 7,248 |
| Pretax return on assets | -3.0262% | 7,429 |
| Return on Equity (ROE) | -24.3551% | 7,304 |
| Retained earnings to average equity (ytd only) | -24.3551% | 7,293 |
| Net charge-offs to loans | 5.0483% | 168 |
| Credit loss provision to net charge-offs | 102.5893% | 4,195 |
| Earnings coverage of net charge-offs (x) | 0.2720% | 5,753 |
| Efficiency ratio | 67.7481% | 4,517 |
| Assets per employee ($millions) | 5.8665% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2446% | 1,711 |
| Loan loss allowance to noncurrent loans | 39.1334% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 7.6171% | 682 |
| Noncurrent loans to loans | 5.7358% | 1,131 |
| Net loans and leases to total assets | 77.8119% | 1,070 |
| Net loans and leases to deposits | 88.1219% | 1,993 |
| Net loans and leases to core deposits | 105.3671% | 1,372 |
| Total domestic deposits to total assets | 88.3003% | 1,795 |
| Equity capital to assets | 7.1919% | 7,269 |
| Core capital (leverage) ratio | 6.1396% | 7,415 |
| Tier 1 risk-based capital ratio | 8.2987% | 7,449 |
| Total risk-based capital ratio | 9.5629% | 7,454 |
| Memoranda: | ||
| Average total assets | $428,561,500 | 1,576 |
| Average earning assets | $383,780,250 | 1,590 |
| Average equity | $34,653,000 | 1,933 |
| Average total loans | $341,701,750 | 1,323 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7804% | 1,477 |
| Cost of funding earning assets | 2.0211% | 853 |
| Net interest margin | 3.7593% | 4,094 |
| Noninterest income to average assets | 0.1720% | 6,673 |
| Noninterest expense to average assets | 2.2780% | 6,413 |
| Loan and lease loss provision to assets | 1.0495% | 1,384 |
| Net operating income to assets | 0.1424% | 5,743 |
| Return on assets (ROA) | 0.1244% | 5,897 |
| Pretax return on assets | 0.1905% | 5,788 |
| Return on Equity (ROE) | 1.4854% | 5,803 |
| Retained earnings to average equity (ytd only) | 1.4854% | 5,128 |
| Net charge-offs to loans | 2.2858% | 779 |
| Credit loss provision to net charge-offs | 57.5558% | 5,271 |
| Earnings coverage of net charge-offs (x) | 0.6952% | 5,050 |
| Efficiency ratio | 64.2457% | 5,287 |
| Assets per employee ($millions) | 5.9731% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 3,500 |
| Loan loss allowance to noncurrent loans | 22.2091% | 6,835 |
| Noncurrent assets plus other real estate owned to assets | 8.9046% | 505 |
| Noncurrent loans to loans | 7.1524% | 779 |
| Net loans and leases to total assets | 78.2663% | 1,070 |
| Net loans and leases to deposits | 89.7902% | 1,893 |
| Net loans and leases to core deposits | 102.0034% | 1,827 |
| Total domestic deposits to total assets | 87.1658% | 2,449 |
| Equity capital to assets | 8.4776% | 6,187 |
| Core capital (leverage) ratio | 8.4498% | 5,495 |
| Tier 1 risk-based capital ratio | 11.0641% | 6,169 |
| Total risk-based capital ratio | 12.3189% | 6,155 |
| Memoranda: | ||
| Average total assets | $432,573,670 | 1,579 |
| Average earning assets | $388,205,670 | 1,592 |
| Average equity | $36,218,670 | 1,843 |
| Average total loans | $345,086,330 | 1,329 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6942% | 1,804 |
| Cost of funding earning assets | 2.0801% | 860 |
| Net interest margin | 3.6141% | 4,662 |
| Noninterest income to average assets | 0.3375% | 5,443 |
| Noninterest expense to average assets | 2.1787% | 6,742 |
| Loan and lease loss provision to assets | 0.7422% | 1,718 |
| Net operating income to assets | 0.4884% | 4,451 |
| Return on assets (ROA) | 0.4481% | 4,751 |
| Pretax return on assets | 0.6076% | 4,569 |
| Return on Equity (ROE) | 5.3853% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.3853% | 2,939 |
| Net charge-offs to loans | -0.0300% | 7,194 |
| Credit loss provision to net charge-offs | -3,096.1538% | 6,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8080% | 6,032 |
| Assets per employee ($millions) | 6.0095% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2902% | 1,591 |
| Loan loss allowance to noncurrent loans | 25.2312% | 6,721 |
| Noncurrent assets plus other real estate owned to assets | 9.5360% | 429 |
| Noncurrent loans to loans | 9.0768% | 525 |
| Net loans and leases to total assets | 78.2718% | 1,100 |
| Net loans and leases to deposits | 89.7159% | 1,943 |
| Net loans and leases to core deposits | 102.0905% | 1,890 |
| Total domestic deposits to total assets | 87.2441% | 2,509 |
| Equity capital to assets | 8.4197% | 6,127 |
| Core capital (leverage) ratio | 8.4983% | 5,377 |
| Tier 1 risk-based capital ratio | 11.2776% | 5,874 |
| Total risk-based capital ratio | 12.5424% | 5,830 |
| Memoranda: | ||
| Average total assets | $433,830,000 | 1,611 |
| Average earning assets | $389,589,500 | 1,628 |
| Average equity | $36,098,500 | 1,862 |
| Average total loans | $346,616,500 | 1,366 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8994% | 2,238 |
| Cost of funding earning assets | 2.5906% | 803 |
| Net interest margin | 3.3088% | 5,705 |
| Noninterest income to average assets | 0.2766% | 6,126 |
| Noninterest expense to average assets | 2.0281% | 7,325 |
| Loan and lease loss provision to assets | 2.2610% | 912 |
| Net operating income to assets | -0.6022% | 6,270 |
| Return on assets (ROA) | -0.7262% | 6,380 |
| Pretax return on assets | -1.2069% | 6,543 |
| Return on Equity (ROE) | -9.1110% | 6,545 |
| Retained earnings to average equity (ytd only) | -9.1110% | 6,439 |
| Net charge-offs to loans | 2.3175% | 1,004 |
| Credit loss provision to net charge-offs | 119.6705% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.6605% | 5,433 |
| Efficiency ratio | 61.9088% | 6,170 |
| Assets per employee ($millions) | 6.0413% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0504% | 1,915 |
| Loan loss allowance to noncurrent loans | 39.3500% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 6.5609% | 827 |
| Noncurrent loans to loans | 5.2106% | 1,267 |
| Net loans and leases to total assets | 78.0545% | 1,368 |
| Net loans and leases to deposits | 89.2127% | 2,352 |
| Net loans and leases to core deposits | 140.1187% | 811 |
| Total domestic deposits to total assets | 87.4926% | 2,223 |
| Equity capital to assets | 8.2226% | 6,315 |
| Core capital (leverage) ratio | 8.3004% | 5,614 |
| Tier 1 risk-based capital ratio | 10.9866% | 5,925 |
| Total risk-based capital ratio | 12.2476% | 5,885 |
| Memoranda: | ||
| Average total assets | $427,287,400 | 1,620 |
| Average earning assets | $387,327,400 | 1,624 |
| Average equity | $34,057,600 | 1,970 |
| Average total loans | $348,354,000 | 1,389 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9074% | 2,419 |
| Cost of funding earning assets | 2.6743% | 851 |
| Net interest margin | 3.2331% | 5,903 |
| Noninterest income to average assets | 0.5084% | 4,417 |
| Noninterest expense to average assets | 2.0697% | 7,239 |
| Loan and lease loss provision to assets | 1.3278% | 1,458 |
| Net operating income to assets | 0.0341% | 5,639 |
| Return on assets (ROA) | -0.1320% | 5,975 |
| Pretax return on assets | -0.2125% | 5,998 |
| Return on Equity (ROE) | -1.6691% | 6,047 |
| Retained earnings to average equity (ytd only) | -1.6691% | 5,650 |
| Net charge-offs to loans | 1.6632% | 1,220 |
| Credit loss provision to net charge-offs | 97.3569% | 5,243 |
| Earnings coverage of net charge-offs (x) | 1.0080% | 5,042 |
| Efficiency ratio | 60.0874% | 6,403 |
| Assets per employee ($millions) | 5.6727% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 3,320 |
| Loan loss allowance to noncurrent loans | 30.6072% | 6,418 |
| Noncurrent assets plus other real estate owned to assets | 6.3900% | 800 |
| Noncurrent loans to loans | 4.9690% | 1,341 |
| Net loans and leases to total assets | 80.1099% | 1,146 |
| Net loans and leases to deposits | 91.9578% | 2,240 |
| Net loans and leases to core deposits | 147.1942% | 655 |
| Total domestic deposits to total assets | 87.1159% | 2,122 |
| Equity capital to assets | 8.5134% | 6,234 |
| Core capital (leverage) ratio | 8.6235% | 5,272 |
| Tier 1 risk-based capital ratio | 11.0577% | 5,891 |
| Total risk-based capital ratio | 12.3119% | 5,846 |
| Memoranda: | ||
| Average total assets | $425,366,000 | 1,648 |
| Average earning assets | $386,287,250 | 1,651 |
| Average equity | $33,630,500 | 2,017 |
| Average total loans | $348,786,750 | 1,403 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7566% | 3,268 |
| Cost of funding earning assets | 2.7617% | 876 |
| Net interest margin | 2.9949% | 6,565 |
| Noninterest income to average assets | 0.4929% | 4,504 |
| Noninterest expense to average assets | 2.1046% | 7,267 |
| Loan and lease loss provision to assets | 0.9242% | 1,826 |
| Net operating income to assets | 0.1294% | 5,475 |
| Return on assets (ROA) | 0.0413% | 5,818 |
| Pretax return on assets | 0.0555% | 5,773 |
| Return on Equity (ROE) | 0.5363% | 5,777 |
| Retained earnings to average equity (ytd only) | 0.5363% | 4,987 |
| Net charge-offs to loans | 1.4881% | 1,273 |
| Credit loss provision to net charge-offs | 75.5332% | 5,309 |
| Earnings coverage of net charge-offs (x) | 0.8980% | 4,861 |
| Efficiency ratio | 65.6991% | 5,599 |
| Assets per employee ($millions) | 5.5443% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 3,768 |
| Loan loss allowance to noncurrent loans | 32.8605% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 5.6879% | 873 |
| Noncurrent loans to loans | 4.2368% | 1,560 |
| Net loans and leases to total assets | 79.0414% | 1,511 |
| Net loans and leases to deposits | 90.6936% | 2,718 |
| Net loans and leases to core deposits | 147.6240% | 716 |
| Total domestic deposits to total assets | 87.1521% | 2,168 |
| Equity capital to assets | 8.3911% | 6,212 |
| Core capital (leverage) ratio | 8.9782% | 4,669 |
| Tier 1 risk-based capital ratio | 11.1608% | 5,717 |
| Total risk-based capital ratio | 12.4131% | 5,633 |
| Memoranda: | ||
| Average total assets | $421,556,330 | 1,682 |
| Average earning assets | $381,510,000 | 1,695 |
| Average equity | $32,445,330 | 2,092 |
| Average total loans | $346,609,000 | 1,438 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5957% | 4,382 |
| Cost of funding earning assets | 2.7885% | 1,008 |
| Net interest margin | 2.8073% | 6,980 |
| Noninterest income to average assets | 0.4945% | 4,370 |
| Noninterest expense to average assets | 1.9848% | 7,390 |
| Loan and lease loss provision to assets | 0.7258% | 1,768 |
| Net operating income to assets | 0.2400% | 5,530 |
| Return on assets (ROA) | 0.2400% | 5,692 |
| Pretax return on assets | 0.3871% | 5,434 |
| Return on Equity (ROE) | 3.2748% | 5,253 |
| Retained earnings to average equity (ytd only) | 3.2748% | 4,055 |
| Net charge-offs to loans | 2.0246% | 712 |
| Credit loss provision to net charge-offs | 43.0293% | 4,772 |
| Earnings coverage of net charge-offs (x) | 0.6598% | 4,474 |
| Efficiency ratio | 64.0737% | 5,677 |
| Assets per employee ($millions) | 5.3543% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 4,105 |
| Loan loss allowance to noncurrent loans | 24.0860% | 6,960 |
| Noncurrent assets plus other real estate owned to assets | 6.1714% | 633 |
| Noncurrent loans to loans | 5.3787% | 981 |
| Net loans and leases to total assets | 82.5681% | 920 |
| Net loans and leases to deposits | 93.6680% | 2,325 |
| Net loans and leases to core deposits | 156.4871% | 556 |
| Total domestic deposits to total assets | 88.1498% | 1,681 |
| Equity capital to assets | 7.1857% | 7,573 |
| Core capital (leverage) ratio | 7.5619% | 7,079 |
| Tier 1 risk-based capital ratio | 9.2431% | 7,633 |
| Total risk-based capital ratio | 10.4943% | 7,618 |
| Memoranda: | ||
| Average total assets | $413,334,000 | 1,716 |
| Average earning assets | $383,292,500 | 1,700 |
| Average equity | $30,291,500 | 2,246 |
| Average total loans | $344,368,500 | 1,462 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6733% | 2,136 |
| Cost of funding earning assets | 3.2654% | 1,009 |
| Net interest margin | 3.4080% | 5,629 |
| Noninterest income to average assets | 0.5626% | 4,132 |
| Noninterest expense to average assets | 2.3383% | 6,595 |
| Loan and lease loss provision to assets | 0.9825% | 1,496 |
| Net operating income to assets | 0.2979% | 5,555 |
| Return on assets (ROA) | 0.3092% | 5,327 |
| Pretax return on assets | 0.4691% | 5,073 |
| Return on Equity (ROE) | 3.8589% | 4,876 |
| Retained earnings to average equity (ytd only) | 3.8589% | 2,727 |
| Net charge-offs to loans | 1.0260% | 1,207 |
| Credit loss provision to net charge-offs | 116.0548% | 4,649 |
| Earnings coverage of net charge-offs (x) | 1.6945% | 5,230 |
| Efficiency ratio | 61.9772% | 5,953 |
| Assets per employee ($millions) | 4.9281% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6262% | 2,133 |
| Loan loss allowance to noncurrent loans | 30.3442% | 6,696 |
| Noncurrent assets plus other real estate owned to assets | 6.1208% | 478 |
| Noncurrent loans to loans | 5.3592% | 786 |
| Net loans and leases to total assets | 81.6214% | 1,299 |
| Net loans and leases to deposits | 92.9759% | 2,959 |
| Net loans and leases to core deposits | 153.2509% | 741 |
| Total domestic deposits to total assets | 87.7877% | 1,562 |
| Equity capital to assets | 7.4745% | 7,404 |
| Core capital (leverage) ratio | 7.6238% | 7,042 |
| Tier 1 risk-based capital ratio | 9.2708% | 7,550 |
| Total risk-based capital ratio | 10.5258% | 7,472 |
| Memoranda: | ||
| Average total assets | $379,633,800 | 1,780 |
| Average earning assets | $357,603,000 | 1,735 |
| Average equity | $30,423,200 | 2,225 |
| Average total loans | $313,261,200 | 1,548 |