Home > Profinium, Inc. > Performance and Condition Ratios
Profinium, Inc., Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6097% | 1,861 |
| Cost of funding earning assets | 2.3529% | 1,120 |
| Net interest margin | 3.2568% | 2,867 |
| Noninterest income to average assets | 0.4900% | 1,794 |
| Noninterest expense to average assets | 2.5086% | 2,281 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.7208% | 3,053 |
| Return on assets (ROA) | 0.7154% | 3,081 |
| Pretax return on assets | 0.9836% | 2,760 |
| Return on Equity (ROE) | 9.0900% | 2,584 |
| Retained earnings to average equity (ytd only) | 9.0950% | 1,418 |
| Net charge-offs to loans | -0.0530% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 70.8809% | 1,719 |
| Assets per employee ($millions) | 7.3146% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 1,641 |
| Loan loss allowance to noncurrent loans | 608.6505% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 2,667 |
| Noncurrent loans to loans | 0.2160% | 2,726 |
| Net loans and leases to total assets | 76.2800% | 1,052 |
| Net loans and leases to deposits | 89.4567% | 1,145 |
| Net loans and leases to core deposits | 101.2180% | 1,290 |
| Total domestic deposits to total assets | 85.2700% | 2,553 |
| Equity capital to assets | 8.1444% | 3,516 |
| Core capital (leverage) ratio | 9.2283% | 3,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9355% | 2,236 |
| Memoranda: | ||
| Average total assets | $526,662,500 | 1,726 |
| Average earning assets | $490,290,000 | 1,712 |
| Average equity | $41,429,500 | 1,987 |
| Average total loans | $407,412,500 | 1,535 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2629% | 2,608 |
| Cost of funding earning assets | 2.4893% | 1,169 |
| Net interest margin | 2.7736% | 3,521 |
| Noninterest income to average assets | 0.3800% | 2,571 |
| Noninterest expense to average assets | 2.7443% | 1,646 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.1257% | 4,063 |
| Return on assets (ROA) | 0.1260% | 4,093 |
| Pretax return on assets | 0.1703% | 4,063 |
| Return on Equity (ROE) | 1.6200% | 4,041 |
| Retained earnings to average equity (ytd only) | 1.6213% | 3,502 |
| Net charge-offs to loans | -0.0148% | 4,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 92.1125% | 430 |
| Assets per employee ($millions) | 7.6252% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 1,635 |
| Loan loss allowance to noncurrent loans | 634.4666% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 2,653 |
| Noncurrent loans to loans | 0.2063% | 2,690 |
| Net loans and leases to total assets | 76.4400% | 1,083 |
| Net loans and leases to deposits | 88.5967% | 1,334 |
| Net loans and leases to core deposits | 99.5924% | 1,473 |
| Total domestic deposits to total assets | 86.2800% | 2,128 |
| Equity capital to assets | 7.5993% | 3,718 |
| Core capital (leverage) ratio | 8.9603% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3699% | 2,423 |
| Memoranda: | ||
| Average total assets | $525,991,400 | 1,712 |
| Average earning assets | $489,544,600 | 1,701 |
| Average equity | $40,893,200 | 1,948 |
| Average total loans | $410,841,800 | 1,501 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2165% | 2,622 |
| Cost of funding earning assets | 2.4827% | 1,200 |
| Net interest margin | 2.7338% | 3,553 |
| Noninterest income to average assets | 0.4500% | 2,130 |
| Noninterest expense to average assets | 2.7325% | 1,608 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 0.1740% | 4,032 |
| Return on assets (ROA) | 0.1720% | 4,064 |
| Pretax return on assets | 0.2201% | 4,045 |
| Return on Equity (ROE) | 2.2000% | 4,000 |
| Retained earnings to average equity (ytd only) | 2.1996% | 3,412 |
| Net charge-offs to loans | -0.0150% | 4,089 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 90.4281% | 520 |
| Assets per employee ($millions) | 7.2000% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 1,673 |
| Loan loss allowance to noncurrent loans | 951.3369% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 1,986 |
| Noncurrent loans to loans | 0.1376% | 2,990 |
| Net loans and leases to total assets | 77.5900% | 910 |
| Net loans and leases to deposits | 90.3483% | 1,216 |
| Net loans and leases to core deposits | 101.4106% | 1,397 |
| Total domestic deposits to total assets | 85.8800% | 1,971 |
| Equity capital to assets | 8.2805% | 3,544 |
| Core capital (leverage) ratio | 9.1172% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5653% | 2,389 |
| Memoranda: | ||
| Average total assets | $524,048,500 | 1,709 |
| Average earning assets | $488,106,250 | 1,700 |
| Average equity | $40,976,000 | 1,948 |
| Average total loans | $410,200,250 | 1,499 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1356% | 2,688 |
| Cost of funding earning assets | 2.4224% | 1,220 |
| Net interest margin | 2.7132% | 3,562 |
| Noninterest income to average assets | 0.4300% | 2,205 |
| Noninterest expense to average assets | 2.7981% | 1,468 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.1018% | 4,118 |
| Return on assets (ROA) | 0.0947% | 4,159 |
| Pretax return on assets | 0.1114% | 4,144 |
| Return on Equity (ROE) | 1.2300% | 4,124 |
| Retained earnings to average equity (ytd only) | 1.2349% | 3,553 |
| Net charge-offs to loans | -0.0088% | 3,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 93.7765% | 437 |
| Assets per employee ($millions) | 6.9650% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 1,877 |
| Loan loss allowance to noncurrent loans | 747.7208% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 1,858 |
| Noncurrent loans to loans | 0.1700% | 2,824 |
| Net loans and leases to total assets | 77.0300% | 1,030 |
| Net loans and leases to deposits | 89.8387% | 1,316 |
| Net loans and leases to core deposits | 101.5227% | 1,384 |
| Total domestic deposits to total assets | 85.7400% | 2,062 |
| Equity capital to assets | 7.6163% | 3,667 |
| Core capital (leverage) ratio | 8.9432% | 3,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3299% | 2,481 |
| Memoranda: | ||
| Average total assets | $525,931,667 | 1,702 |
| Average earning assets | $490,266,000 | 1,691 |
| Average equity | $40,326,000 | 1,942 |
| Average total loans | $411,078,667 | 1,494 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 50,548.0000% | 27 |
| Cost of funding earning assets | 60.0000% | 21 |
| Net interest margin | 0.0000% | 4,533 |
| Noninterest income to average assets | 0.0000% | 4,505 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0000% | 4,225 |
| Return on assets (ROA) | -0.1442% | 4,348 |
| Pretax return on assets | -0.2136% | 4,352 |
| Return on Equity (ROE) | -1.8700% | 4,339 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 1.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 5.4445% | 4,539 |
| Assets per employee ($millions) | 0.6227% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 9,600.0000% | 19 |
| Total domestic deposits to total assets | 298.0000% | 12 |
| Equity capital to assets | 6,334.0000% | 39 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $534,000 | 4,582 |
| Average earning assets | $4,953 | 4,557 |
| Average equity | $0 | 4,522 |
| Average total loans | $0 | 4,458 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6652% | 2,545 |
| Cost of funding earning assets | 1.6075% | 1,360 |
| Net interest margin | 3.0577% | 3,219 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.4584% | 2,351 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.5585% | 3,644 |
| Return on assets (ROA) | 0.5486% | 3,655 |
| Pretax return on assets | 0.7610% | 3,422 |
| Return on Equity (ROE) | 7.3000% | 3,347 |
| Retained earnings to average equity (ytd only) | 7.2958% | 2,201 |
| Net charge-offs to loans | -0.1207% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.8454% | 1,468 |
| Assets per employee ($millions) | 6.9244% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 2,347 |
| Loan loss allowance to noncurrent loans | 879.0353% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 1,780 |
| Noncurrent loans to loans | 0.1367% | 2,873 |
| Net loans and leases to total assets | 77.0400% | 990 |
| Net loans and leases to deposits | 89.5423% | 1,265 |
| Net loans and leases to core deposits | 99.0961% | 1,371 |
| Total domestic deposits to total assets | 86.0400% | 2,178 |
| Equity capital to assets | 7.2800% | 3,476 |
| Core capital (leverage) ratio | 9.0065% | 3,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5483% | 2,433 |
| Memoranda: | ||
| Average total assets | $508,456,750 | 1,714 |
| Average earning assets | $477,337,750 | 1,691 |
| Average equity | $38,231,000 | 1,927 |
| Average total loans | $388,937,000 | 1,500 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 2,592 |
| Cost of funding earning assets | 1.4253% | 1,382 |
| Net interest margin | 3.0978% | 3,230 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.4521% | 2,344 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.6038% | 3,559 |
| Return on assets (ROA) | 0.5834% | 3,627 |
| Pretax return on assets | 0.8087% | 3,383 |
| Return on Equity (ROE) | 7.6800% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.6779% | 2,076 |
| Net charge-offs to loans | -0.1689% | 4,575 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.5521% | 1,608 |
| Assets per employee ($millions) | 7.2048% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 2,596 |
| Loan loss allowance to noncurrent loans | 860.9434% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 1,702 |
| Noncurrent loans to loans | 0.1358% | 2,791 |
| Net loans and leases to total assets | 75.3700% | 1,120 |
| Net loans and leases to deposits | 90.0880% | 1,176 |
| Net loans and leases to core deposits | 99.9642% | 1,242 |
| Total domestic deposits to total assets | 83.6700% | 2,898 |
| Equity capital to assets | 7.7249% | 3,389 |
| Core capital (leverage) ratio | 9.0973% | 3,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5308% | 2,452 |
| Memoranda: | ||
| Average total assets | $509,447,667 | 1,704 |
| Average earning assets | $478,788,000 | 1,688 |
| Average equity | $38,708,333 | 1,917 |
| Average total loans | $387,192,667 | 1,489 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3953% | 2,558 |
| Cost of funding earning assets | 1.2251% | 1,391 |
| Net interest margin | 3.1702% | 3,189 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.4886% | 2,280 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.6974% | 3,475 |
| Return on assets (ROA) | 0.6483% | 3,546 |
| Pretax return on assets | 0.8930% | 3,257 |
| Return on Equity (ROE) | 8.6000% | 3,154 |
| Retained earnings to average equity (ytd only) | 8.6047% | 2,056 |
| Net charge-offs to loans | -0.3173% | 4,628 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.4279% | 1,808 |
| Assets per employee ($millions) | 6.7827% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 2,790 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 2,116 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 74.8100% | 1,101 |
| Net loans and leases to deposits | 88.7866% | 1,150 |
| Net loans and leases to core deposits | 96.8000% | 1,241 |
| Total domestic deposits to total assets | 84.2500% | 3,046 |
| Equity capital to assets | 7.8694% | 3,330 |
| Core capital (leverage) ratio | 9.0832% | 3,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5189% | 2,567 |
| Memoranda: | ||
| Average total assets | $508,400,500 | 1,726 |
| Average earning assets | $478,333,000 | 1,709 |
| Average equity | $38,304,500 | 1,951 |
| Average total loans | $385,720,500 | 1,513 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8560% | 2,110 |
| Cost of funding earning assets | 0.5197% | 1,269 |
| Net interest margin | 3.3363% | 2,466 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.5072% | 2,089 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.7886% | 3,363 |
| Return on assets (ROA) | 0.7861% | 3,308 |
| Pretax return on assets | 1.0767% | 2,842 |
| Return on Equity (ROE) | 9.6900% | 2,911 |
| Retained earnings to average equity (ytd only) | 3.1522% | 3,679 |
| Net charge-offs to loans | 0.2564% | 311 |
| Credit loss provision to net charge-offs | 47.8261% | 1,831 |
| Earnings coverage of net charge-offs (x) | 6.3185% | 2,340 |
| Efficiency ratio | 67.8187% | 1,985 |
| Assets per employee ($millions) | 7.1512% | 1,856 |
| Cash dividends to net income (ytd only)* | 67.4763% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 3,347 |
| Loan loss allowance to noncurrent loans | 1,131.0345% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 1,778 |
| Noncurrent loans to loans | 0.0889% | 3,121 |
| Net loans and leases to total assets | 75.2900% | 1,091 |
| Net loans and leases to deposits | 84.1372% | 1,463 |
| Net loans and leases to core deposits | 98.8729% | 1,058 |
| Total domestic deposits to total assets | 89.4800% | 1,568 |
| Equity capital to assets | 7.2077% | 3,548 |
| Core capital (leverage) ratio | 8.8879% | 3,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8813% | 2,763 |
| Memoranda: | ||
| Average total assets | $497,528,600 | 1,724 |
| Average earning assets | $471,034,200 | 1,697 |
| Average equity | $40,353,000 | 1,907 |
| Average total loans | $358,756,600 | 1,518 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7005% | 2,050 |
| Cost of funding earning assets | 0.3703% | 1,525 |
| Net interest margin | 3.3302% | 2,200 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.4950% | 2,027 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.8145% | 3,190 |
| Return on assets (ROA) | 0.8064% | 3,195 |
| Pretax return on assets | 1.1022% | 2,715 |
| Return on Equity (ROE) | 9.6600% | 2,825 |
| Retained earnings to average equity (ytd only) | 1.1142% | 4,196 |
| Net charge-offs to loans | 0.3499% | 180 |
| Credit loss provision to net charge-offs | 41.3043% | 1,560 |
| Earnings coverage of net charge-offs (x) | 4.8859% | 2,162 |
| Efficiency ratio | 66.8537% | 2,176 |
| Assets per employee ($millions) | 7.0608% | 1,900 |
| Cash dividends to net income (ytd only)* | 88.4680% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 3,103 |
| Loan loss allowance to noncurrent loans | 819.4503% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 1,691 |
| Noncurrent loans to loans | 0.1319% | 2,977 |
| Net loans and leases to total assets | 71.7900% | 1,317 |
| Net loans and leases to deposits | 85.9407% | 1,173 |
| Net loans and leases to core deposits | 94.1789% | 1,082 |
| Total domestic deposits to total assets | 83.5400% | 3,600 |
| Equity capital to assets | 7.0107% | 3,514 |
| Core capital (leverage) ratio | 8.9984% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4474% | 2,669 |
| Memoranda: | ||
| Average total assets | $493,190,000 | 1,744 |
| Average earning assets | $467,387,750 | 1,716 |
| Average equity | $41,163,500 | 1,905 |
| Average total loans | $350,548,500 | 1,533 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5262% | 2,053 |
| Cost of funding earning assets | 0.2600% | 2,141 |
| Net interest margin | 3.2662% | 2,007 |
| Noninterest income to average assets | 0.5957% | 1,760 |
| Noninterest expense to average assets | 2.4816% | 1,993 |
| Loan and lease loss provision to assets | 0.0487% | 1,705 |
| Net operating income to assets | 0.8575% | 2,744 |
| Return on assets (ROA) | 0.8546% | 2,734 |
| Pretax return on assets | 1.1659% | 2,184 |
| Return on Equity (ROE) | 9.7198% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.7198% | 1,095 |
| Net charge-offs to loans | 0.0023% | 2,015 |
| Credit loss provision to net charge-offs | 3,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 750.5000% | 185 |
| Efficiency ratio | 66.6886% | 2,416 |
| Assets per employee ($millions) | 7.4130% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,312 |
| Loan loss allowance to noncurrent loans | 182.9633% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.5063% | 1,125 |
| Noncurrent loans to loans | 0.6960% | 1,241 |
| Net loans and leases to total assets | 71.8139% | 1,121 |
| Net loans and leases to deposits | 83.5489% | 1,152 |
| Net loans and leases to core deposits | 87.4515% | 1,247 |
| Total domestic deposits to total assets | 85.9544% | 3,256 |
| Equity capital to assets | 8.1888% | 2,976 |
| Core capital (leverage) ratio | 9.4349% | 2,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4427% | 2,311 |
| Memoranda: | ||
| Average total assets | $492,834,000 | 1,750 |
| Average earning assets | $468,377,333 | 1,726 |
| Average equity | $43,334,333 | 1,881 |
| Average total loans | $347,827,000 | 1,536 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4049% | 2,076 |
| Cost of funding earning assets | 0.2573% | 2,071 |
| Net interest margin | 3.1477% | 2,031 |
| Noninterest income to average assets | 0.6033% | 1,681 |
| Noninterest expense to average assets | 2.4455% | 2,031 |
| Loan and lease loss provision to assets | 0.0485% | 1,500 |
| Net operating income to assets | 0.8149% | 2,616 |
| Return on assets (ROA) | 0.8233% | 2,573 |
| Pretax return on assets | 1.1176% | 2,085 |
| Return on Equity (ROE) | 9.0550% | 2,302 |
| Retained earnings to average equity (ytd only) | 9.0550% | 1,258 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6847% | 2,543 |
| Assets per employee ($millions) | 6.9641% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 2,286 |
| Loan loss allowance to noncurrent loans | 180.0483% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 1,178 |
| Noncurrent loans to loans | 0.7296% | 1,305 |
| Net loans and leases to total assets | 68.9819% | 1,119 |
| Net loans and leases to deposits | 78.5838% | 1,242 |
| Net loans and leases to core deposits | 83.3990% | 1,277 |
| Total domestic deposits to total assets | 87.7814% | 2,631 |
| Equity capital to assets | 8.7771% | 2,904 |
| Core capital (leverage) ratio | 9.0600% | 3,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8550% | 2,279 |
| Memoranda: | ||
| Average total assets | $494,623,000 | 1,747 |
| Average earning assets | $471,080,000 | 1,727 |
| Average equity | $44,969,500 | 1,891 |
| Average total loans | $343,797,500 | 1,539 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6358% | 2,292 |
| Cost of funding earning assets | 0.3384% | 2,038 |
| Net interest margin | 3.2974% | 2,322 |
| Noninterest income to average assets | 0.7842% | 1,493 |
| Noninterest expense to average assets | 2.4950% | 2,196 |
| Loan and lease loss provision to assets | 0.0619% | 1,832 |
| Net operating income to assets | 1.0051% | 2,649 |
| Return on assets (ROA) | 1.0207% | 2,669 |
| Pretax return on assets | 1.4088% | 2,024 |
| Return on Equity (ROE) | 11.2754% | 2,060 |
| Retained earnings to average equity (ytd only) | 6.8212% | 1,993 |
| Net charge-offs to loans | 0.0388% | 1,481 |
| Credit loss provision to net charge-offs | 248.0620% | 1,173 |
| Earnings coverage of net charge-offs (x) | 58.1628% | 1,201 |
| Efficiency ratio | 63.2149% | 2,681 |
| Assets per employee ($millions) | 7.3788% | 1,678 |
| Cash dividends to net income (ytd only)* | 39.5036% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 2,484 |
| Loan loss allowance to noncurrent loans | 178.0645% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 1,350 |
| Noncurrent loans to loans | 0.7150% | 1,423 |
| Net loans and leases to total assets | 68.2449% | 1,237 |
| Net loans and leases to deposits | 78.2625% | 1,374 |
| Net loans and leases to core deposits | 83.3948% | 1,367 |
| Total domestic deposits to total assets | 87.2000% | 2,437 |
| Equity capital to assets | 9.3973% | 3,227 |
| Core capital (leverage) ratio | 8.5668% | 3,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3156% | 2,523 |
| Memoranda: | ||
| Average total assets | $517,112,400 | 1,657 |
| Average earning assets | $495,843,800 | 1,619 |
| Average equity | $46,810,000 | 1,865 |
| Average total loans | $332,532,600 | 1,582 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 2,368 |
| Cost of funding earning assets | 0.3611% | 2,007 |
| Net interest margin | 3.3029% | 2,405 |
| Noninterest income to average assets | 0.6959% | 1,835 |
| Noninterest expense to average assets | 2.3254% | 2,673 |
| Loan and lease loss provision to assets | 0.0820% | 1,443 |
| Net operating income to assets | 1.0543% | 2,714 |
| Return on assets (ROA) | 1.0739% | 2,701 |
| Pretax return on assets | 1.4831% | 2,039 |
| Return on Equity (ROE) | 11.9734% | 2,057 |
| Retained earnings to average equity (ytd only) | 11.9734% | 844 |
| Net charge-offs to loans | -0.0008% | 3,110 |
| Credit loss provision to net charge-offs | -16,000.0000% | 4,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1496% | 2,964 |
| Assets per employee ($millions) | 6.8739% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 2,062 |
| Loan loss allowance to noncurrent loans | 170.7473% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5165% | 1,476 |
| Noncurrent loans to loans | 0.8147% | 1,398 |
| Net loans and leases to total assets | 62.5195% | 1,943 |
| Net loans and leases to deposits | 71.7490% | 2,074 |
| Net loans and leases to core deposits | 76.4561% | 2,004 |
| Total domestic deposits to total assets | 87.1363% | 2,299 |
| Equity capital to assets | 9.4188% | 3,450 |
| Core capital (leverage) ratio | 8.5757% | 3,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3218% | 2,253 |
| Memoranda: | ||
| Average total assets | $520,950,750 | 1,660 |
| Average earning assets | $499,946,250 | 1,614 |
| Average equity | $46,724,500 | 1,889 |
| Average total loans | $328,955,500 | 1,621 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5025% | 2,887 |
| Cost of funding earning assets | 0.3898% | 1,970 |
| Net interest margin | 3.1127% | 2,997 |
| Noninterest income to average assets | 0.6098% | 2,170 |
| Noninterest expense to average assets | 2.2783% | 2,830 |
| Loan and lease loss provision to assets | 0.0918% | 1,359 |
| Net operating income to assets | 0.8931% | 3,243 |
| Return on assets (ROA) | 0.9052% | 3,282 |
| Pretax return on assets | 1.2461% | 2,784 |
| Return on Equity (ROE) | 10.2617% | 2,659 |
| Retained earnings to average equity (ytd only) | 10.2617% | 1,321 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2597% | 2,531 |
| Assets per employee ($millions) | 7.2154% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 2,046 |
| Loan loss allowance to noncurrent loans | 159.0666% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.5257% | 1,578 |
| Noncurrent loans to loans | 0.8699% | 1,412 |
| Net loans and leases to total assets | 59.5961% | 2,473 |
| Net loans and leases to deposits | 68.3828% | 2,578 |
| Net loans and leases to core deposits | 73.0325% | 2,518 |
| Total domestic deposits to total assets | 87.1507% | 2,238 |
| Equity capital to assets | 8.7788% | 3,993 |
| Core capital (leverage) ratio | 8.0734% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3356% | 2,234 |
| Memoranda: | ||
| Average total assets | $522,752,667 | 1,648 |
| Average earning assets | $502,332,000 | 1,599 |
| Average equity | $46,113,333 | 1,896 |
| Average total loans | $329,653,000 | 1,631 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4735% | 3,002 |
| Cost of funding earning assets | 0.4077% | 2,035 |
| Net interest margin | 3.0659% | 3,090 |
| Noninterest income to average assets | 0.5940% | 2,237 |
| Noninterest expense to average assets | 2.3637% | 2,611 |
| Loan and lease loss provision to assets | 0.0928% | 1,440 |
| Net operating income to assets | 0.7902% | 3,456 |
| Return on assets (ROA) | 0.8152% | 3,444 |
| Pretax return on assets | 1.1184% | 3,070 |
| Return on Equity (ROE) | 9.2186% | 2,957 |
| Retained earnings to average equity (ytd only) | 9.2186% | 1,882 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6885% | 2,128 |
| Assets per employee ($millions) | 7.2115% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 2,336 |
| Loan loss allowance to noncurrent loans | 137.4565% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6005% | 1,589 |
| Noncurrent loans to loans | 0.9618% | 1,407 |
| Net loans and leases to total assets | 61.6065% | 2,326 |
| Net loans and leases to deposits | 70.5892% | 2,449 |
| Net loans and leases to core deposits | 76.1134% | 2,344 |
| Total domestic deposits to total assets | 87.2747% | 2,193 |
| Equity capital to assets | 8.6215% | 4,029 |
| Core capital (leverage) ratio | 8.2206% | 4,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5955% | 2,448 |
| Memoranda: | ||
| Average total assets | $517,161,000 | 1,650 |
| Average earning assets | $497,477,500 | 1,596 |
| Average equity | $45,733,500 | 1,895 |
| Average total loans | $333,144,500 | 1,619 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0718% | 2,503 |
| Cost of funding earning assets | 0.6486% | 1,999 |
| Net interest margin | 3.4231% | 2,699 |
| Noninterest income to average assets | 0.5810% | 2,300 |
| Noninterest expense to average assets | 2.6096% | 2,520 |
| Loan and lease loss provision to assets | 0.0726% | 3,479 |
| Net operating income to assets | 0.8340% | 2,964 |
| Return on assets (ROA) | 0.9312% | 2,705 |
| Pretax return on assets | 1.2837% | 2,036 |
| Return on Equity (ROE) | 9.3369% | 2,267 |
| Retained earnings to average equity (ytd only) | 5.6169% | 1,987 |
| Net charge-offs to loans | -0.0651% | 4,727 |
| Credit loss provision to net charge-offs | -153.3019% | 3,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8679% | 2,254 |
| Assets per employee ($millions) | 6.7718% | 1,726 |
| Cash dividends to net income (ytd only)* | 39.8417% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 2,676 |
| Loan loss allowance to noncurrent loans | 133.0709% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 1,684 |
| Noncurrent loans to loans | 0.9404% | 1,500 |
| Net loans and leases to total assets | 65.6447% | 2,141 |
| Net loans and leases to deposits | 75.7740% | 2,304 |
| Net loans and leases to core deposits | 82.1574% | 2,178 |
| Total domestic deposits to total assets | 86.6322% | 2,102 |
| Equity capital to assets | 9.0729% | 3,992 |
| Core capital (leverage) ratio | 8.3403% | 4,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,699,800 | 1,710 |
| Average earning assets | $426,595,400 | 1,671 |
| Average equity | $44,650,600 | 1,860 |
| Average total loans | $325,513,000 | 1,590 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0301% | 2,890 |
| Cost of funding earning assets | 0.7174% | 1,920 |
| Net interest margin | 3.3127% | 3,150 |
| Noninterest income to average assets | 1.0595% | 925 |
| Noninterest expense to average assets | 2.7344% | 2,161 |
| Loan and lease loss provision to assets | 0.1001% | 3,070 |
| Net operating income to assets | 0.9810% | 2,406 |
| Return on assets (ROA) | 1.1122% | 2,065 |
| Pretax return on assets | 1.5371% | 1,365 |
| Return on Equity (ROE) | 10.8637% | 1,727 |
| Retained earnings to average equity (ytd only) | 5.8638% | 2,163 |
| Net charge-offs to loans | -0.1087% | 4,835 |
| Credit loss provision to net charge-offs | -123.5741% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9740% | 2,596 |
| Assets per employee ($millions) | 6.4899% | 1,843 |
| Cash dividends to net income (ytd only)* | 46.0238% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,316 |
| Loan loss allowance to noncurrent loans | 239.6861% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 2,680 |
| Noncurrent loans to loans | 0.5283% | 2,481 |
| Net loans and leases to total assets | 68.4928% | 2,176 |
| Net loans and leases to deposits | 79.3456% | 2,386 |
| Net loans and leases to core deposits | 87.4153% | 2,201 |
| Total domestic deposits to total assets | 86.3220% | 1,930 |
| Equity capital to assets | 9.3048% | 3,856 |
| Core capital (leverage) ratio | 8.4240% | 4,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $432,653,750 | 1,730 |
| Average earning assets | $410,898,750 | 1,707 |
| Average equity | $44,293,250 | 1,858 |
| Average total loans | $322,485,250 | 1,599 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2297% | 2,665 |
| Cost of funding earning assets | 0.7685% | 2,003 |
| Net interest margin | 3.4611% | 2,916 |
| Noninterest income to average assets | 1.2266% | 671 |
| Noninterest expense to average assets | 2.9299% | 1,764 |
| Loan and lease loss provision to assets | 0.1568% | 2,433 |
| Net operating income to assets | 1.0086% | 2,289 |
| Return on assets (ROA) | 1.2136% | 1,722 |
| Pretax return on assets | 1.6777% | 1,041 |
| Return on Equity (ROE) | 11.4465% | 1,494 |
| Retained earnings to average equity (ytd only) | 11.4465% | 543 |
| Net charge-offs to loans | -0.1670% | 4,919 |
| Credit loss provision to net charge-offs | -122.6415% | 3,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9748% | 2,663 |
| Assets per employee ($millions) | 6.4035% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 2,299 |
| Loan loss allowance to noncurrent loans | 205.3769% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4456% | 2,535 |
| Noncurrent loans to loans | 0.6044% | 2,338 |
| Net loans and leases to total assets | 72.8168% | 1,581 |
| Net loans and leases to deposits | 85.5473% | 1,820 |
| Net loans and leases to core deposits | 94.8845% | 1,674 |
| Total domestic deposits to total assets | 85.1187% | 2,346 |
| Equity capital to assets | 9.7592% | 3,417 |
| Core capital (leverage) ratio | 9.3497% | 3,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $414,625,333 | 1,764 |
| Average earning assets | $392,702,667 | 1,747 |
| Average equity | $43,961,000 | 1,857 |
| Average total loans | $317,428,000 | 1,609 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 2,318 |
| Cost of funding earning assets | 0.8453% | 2,133 |
| Net interest margin | 3.6522% | 2,500 |
| Noninterest income to average assets | 0.6316% | 1,895 |
| Noninterest expense to average assets | 3.0004% | 1,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7965% | 2,921 |
| Return on assets (ROA) | 0.7697% | 3,096 |
| Pretax return on assets | 1.0427% | 2,694 |
| Return on Equity (ROE) | 6.9277% | 2,980 |
| Retained earnings to average equity (ytd only) | 6.9277% | 1,564 |
| Net charge-offs to loans | -0.1712% | 4,925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4647% | 1,886 |
| Assets per employee ($millions) | 5.2334% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 2,533 |
| Loan loss allowance to noncurrent loans | 269.8233% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 3,001 |
| Noncurrent loans to loans | 0.4541% | 2,889 |
| Net loans and leases to total assets | 78.4185% | 917 |
| Net loans and leases to deposits | 95.4143% | 970 |
| Net loans and leases to core deposits | 105.3042% | 1,100 |
| Total domestic deposits to total assets | 82.1874% | 3,361 |
| Equity capital to assets | 11.1562% | 2,719 |
| Core capital (leverage) ratio | 10.3174% | 3,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $388,211,000 | 1,813 |
| Average earning assets | $366,247,500 | 1,791 |
| Average equity | $43,131,500 | 1,877 |
| Average total loans | $303,810,500 | 1,625 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6513% | 2,466 |
| Cost of funding earning assets | 1.0167% | 1,653 |
| Net interest margin | 3.6346% | 3,020 |
| Noninterest income to average assets | 0.6600% | 1,964 |
| Noninterest expense to average assets | 2.8653% | 2,395 |
| Loan and lease loss provision to assets | 0.0474% | 3,077 |
| Net operating income to assets | 0.8593% | 3,357 |
| Return on assets (ROA) | 0.8655% | 3,429 |
| Pretax return on assets | 1.1861% | 2,888 |
| Return on Equity (ROE) | 8.0336% | 3,149 |
| Retained earnings to average equity (ytd only) | 3.7352% | 3,116 |
| Net charge-offs to loans | -0.0884% | 4,936 |
| Credit loss provision to net charge-offs | -70.5426% | 4,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8542% | 2,193 |
| Assets per employee ($millions) | 5.1189% | 2,437 |
| Cash dividends to net income (ytd only)* | 53.5059% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,192 |
| Loan loss allowance to noncurrent loans | 316.5665% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 2,930 |
| Noncurrent loans to loans | 0.3936% | 3,026 |
| Net loans and leases to total assets | 76.1410% | 1,386 |
| Net loans and leases to deposits | 91.7896% | 1,393 |
| Net loans and leases to core deposits | 98.3444% | 1,704 |
| Total domestic deposits to total assets | 82.9517% | 3,208 |
| Equity capital to assets | 11.0634% | 2,936 |
| Core capital (leverage) ratio | 9.7771% | 3,756 |
| Tier 1 risk-based capital ratio | 12.2775% | 4,198 |
| Total risk-based capital ratio | 13.4532% | 4,120 |
| Memoranda: | ||
| Average total assets | $383,940,600 | 1,790 |
| Average earning assets | $362,437,800 | 1,771 |
| Average equity | $41,363,800 | 1,874 |
| Average total loans | $291,851,800 | 1,641 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6735% | 2,492 |
| Cost of funding earning assets | 1.0334% | 1,615 |
| Net interest margin | 3.6401% | 3,129 |
| Noninterest income to average assets | 0.6223% | 2,098 |
| Noninterest expense to average assets | 2.7986% | 2,561 |
| Loan and lease loss provision to assets | 0.0632% | 2,627 |
| Net operating income to assets | 0.8747% | 3,432 |
| Return on assets (ROA) | 0.8824% | 3,488 |
| Pretax return on assets | 1.2112% | 2,950 |
| Return on Equity (ROE) | 8.2459% | 3,217 |
| Retained earnings to average equity (ytd only) | 2.4760% | 4,102 |
| Net charge-offs to loans | -0.1233% | 5,032 |
| Credit loss provision to net charge-offs | -67.6580% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6779% | 2,308 |
| Assets per employee ($millions) | 4.9464% | 2,619 |
| Cash dividends to net income (ytd only)* | 69.9724% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 1,939 |
| Loan loss allowance to noncurrent loans | 188.4361% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 2,270 |
| Noncurrent loans to loans | 0.6930% | 2,228 |
| Net loans and leases to total assets | 71.5382% | 2,246 |
| Net loans and leases to deposits | 83.0512% | 2,561 |
| Net loans and leases to core deposits | 89.2243% | 2,613 |
| Total domestic deposits to total assets | 86.1375% | 1,929 |
| Equity capital to assets | 10.6824% | 3,394 |
| Core capital (leverage) ratio | 9.6923% | 3,980 |
| Tier 1 risk-based capital ratio | 12.5135% | 4,139 |
| Total risk-based capital ratio | 13.7403% | 4,027 |
| Memoranda: | ||
| Average total assets | $383,947,250 | 1,801 |
| Average earning assets | $362,943,500 | 1,788 |
| Average equity | $41,086,250 | 1,888 |
| Average total loans | $290,813,750 | 1,653 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6967% | 2,367 |
| Cost of funding earning assets | 1.0117% | 1,637 |
| Net interest margin | 3.6851% | 2,977 |
| Noninterest income to average assets | 0.5706% | 2,285 |
| Noninterest expense to average assets | 2.8055% | 2,570 |
| Loan and lease loss provision to assets | 0.0943% | 1,968 |
| Net operating income to assets | 0.8451% | 3,489 |
| Return on assets (ROA) | 0.8505% | 3,526 |
| Pretax return on assets | 1.1649% | 3,026 |
| Return on Equity (ROE) | 7.8292% | 3,362 |
| Retained earnings to average equity (ytd only) | 7.8292% | 1,458 |
| Net charge-offs to loans | -0.1827% | 5,121 |
| Credit loss provision to net charge-offs | -67.1642% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9179% | 2,391 |
| Assets per employee ($millions) | 5.2003% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 2,191 |
| Loan loss allowance to noncurrent loans | 110.4933% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.9343% | 1,487 |
| Noncurrent loans to loans | 1.1408% | 1,425 |
| Net loans and leases to total assets | 74.2320% | 1,852 |
| Net loans and leases to deposits | 87.0209% | 2,125 |
| Net loans and leases to core deposits | 94.0541% | 2,236 |
| Total domestic deposits to total assets | 85.3036% | 2,343 |
| Equity capital to assets | 10.9537% | 3,111 |
| Core capital (leverage) ratio | 10.0372% | 3,548 |
| Tier 1 risk-based capital ratio | 12.7590% | 3,970 |
| Total risk-based capital ratio | 13.9810% | 3,898 |
| Memoranda: | ||
| Average total assets | $381,674,330 | 1,820 |
| Average earning assets | $361,186,670 | 1,798 |
| Average equity | $41,460,000 | 1,875 |
| Average total loans | $293,336,330 | 1,644 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6690% | 2,319 |
| Cost of funding earning assets | 0.9551% | 1,767 |
| Net interest margin | 3.7139% | 2,844 |
| Noninterest income to average assets | 0.5828% | 2,126 |
| Noninterest expense to average assets | 2.9086% | 2,255 |
| Loan and lease loss provision to assets | 0.0954% | 1,834 |
| Net operating income to assets | 0.7938% | 3,643 |
| Return on assets (ROA) | 0.8064% | 3,637 |
| Pretax return on assets | 1.1009% | 3,147 |
| Return on Equity (ROE) | 7.4555% | 3,476 |
| Retained earnings to average equity (ytd only) | 7.4555% | 1,863 |
| Net charge-offs to loans | -0.3626% | 5,242 |
| Credit loss provision to net charge-offs | -33.8346% | 3,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8992% | 2,205 |
| Assets per employee ($millions) | 5.1481% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,410 |
| Loan loss allowance to noncurrent loans | 113.7626% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.9101% | 1,545 |
| Noncurrent loans to loans | 1.0841% | 1,533 |
| Net loans and leases to total assets | 75.7603% | 1,526 |
| Net loans and leases to deposits | 88.8859% | 1,758 |
| Net loans and leases to core deposits | 97.1297% | 1,846 |
| Total domestic deposits to total assets | 85.2332% | 2,588 |
| Equity capital to assets | 10.8956% | 2,954 |
| Core capital (leverage) ratio | 10.2676% | 3,309 |
| Tier 1 risk-based capital ratio | 12.5059% | 4,165 |
| Total risk-based capital ratio | 13.7005% | 4,065 |
| Memoranda: | ||
| Average total assets | $377,500,500 | 1,850 |
| Average earning assets | $356,389,500 | 1,821 |
| Average equity | $40,829,000 | 1,896 |
| Average total loans | $293,396,000 | 1,655 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 2,271 |
| Cost of funding earning assets | 0.7973% | 1,534 |
| Net interest margin | 3.7593% | 2,827 |
| Noninterest income to average assets | 0.7194% | 1,775 |
| Noninterest expense to average assets | 2.8732% | 2,443 |
| Loan and lease loss provision to assets | 0.0813% | 2,501 |
| Net operating income to assets | 0.9480% | 3,241 |
| Return on assets (ROA) | 0.9636% | 3,163 |
| Pretax return on assets | 1.3226% | 2,425 |
| Return on Equity (ROE) | 9.0756% | 2,957 |
| Retained earnings to average equity (ytd only) | 5.2473% | 2,631 |
| Net charge-offs to loans | -0.0047% | 4,343 |
| Credit loss provision to net charge-offs | -2,142.8571% | 4,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1313% | 2,689 |
| Assets per employee ($millions) | 5.3434% | 2,112 |
| Cash dividends to net income (ytd only)* | 42.1822% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 3,083 |
| Loan loss allowance to noncurrent loans | 101.5317% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.9352% | 1,470 |
| Noncurrent loans to loans | 1.0860% | 1,505 |
| Net loans and leases to total assets | 77.8855% | 1,286 |
| Net loans and leases to deposits | 91.2683% | 1,634 |
| Net loans and leases to core deposits | 98.6065% | 1,823 |
| Total domestic deposits to total assets | 85.3368% | 2,494 |
| Equity capital to assets | 10.7342% | 2,942 |
| Core capital (leverage) ratio | 9.9157% | 3,682 |
| Tier 1 risk-based capital ratio | 12.0670% | 4,386 |
| Total risk-based capital ratio | 13.1272% | 4,395 |
| Memoranda: | ||
| Average total assets | $369,033,800 | 1,834 |
| Average earning assets | $347,294,800 | 1,825 |
| Average equity | $39,182,000 | 1,899 |
| Average total loans | $296,523,800 | 1,606 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 2,294 |
| Cost of funding earning assets | 0.7719% | 1,468 |
| Net interest margin | 3.7301% | 2,901 |
| Noninterest income to average assets | 0.7044% | 1,845 |
| Noninterest expense to average assets | 2.8716% | 2,391 |
| Loan and lease loss provision to assets | 0.0816% | 2,320 |
| Net operating income to assets | 0.9124% | 3,468 |
| Return on assets (ROA) | 0.9382% | 3,361 |
| Pretax return on assets | 1.2964% | 2,642 |
| Return on Equity (ROE) | 8.8613% | 3,148 |
| Retained earnings to average equity (ytd only) | 3.7253% | 3,908 |
| Net charge-offs to loans | -0.0202% | 4,627 |
| Credit loss provision to net charge-offs | -500.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7184% | 2,590 |
| Assets per employee ($millions) | 4.8638% | 2,645 |
| Cash dividends to net income (ytd only)* | 57.9598% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 3,301 |
| Loan loss allowance to noncurrent loans | 98.1317% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.9763% | 1,491 |
| Noncurrent loans to loans | 1.1009% | 1,545 |
| Net loans and leases to total assets | 79.3643% | 1,113 |
| Net loans and leases to deposits | 94.1169% | 1,367 |
| Net loans and leases to core deposits | 101.1816% | 1,682 |
| Total domestic deposits to total assets | 84.3252% | 2,844 |
| Equity capital to assets | 10.5191% | 3,124 |
| Core capital (leverage) ratio | 9.6976% | 3,945 |
| Tier 1 risk-based capital ratio | 11.7292% | 4,644 |
| Total risk-based capital ratio | 12.7731% | 4,662 |
| Memoranda: | ||
| Average total assets | $367,782,500 | 1,848 |
| Average earning assets | $346,327,250 | 1,829 |
| Average equity | $38,940,000 | 1,910 |
| Average total loans | $297,012,250 | 1,614 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4169% | 2,359 |
| Cost of funding earning assets | 0.7431% | 1,414 |
| Net interest margin | 3.6738% | 3,027 |
| Noninterest income to average assets | 0.6558% | 2,063 |
| Noninterest expense to average assets | 2.9388% | 2,233 |
| Loan and lease loss provision to assets | 0.0817% | 2,275 |
| Net operating income to assets | 0.7852% | 3,902 |
| Return on assets (ROA) | 0.8291% | 3,759 |
| Pretax return on assets | 1.1488% | 3,137 |
| Return on Equity (ROE) | 7.8134% | 3,585 |
| Retained earnings to average equity (ytd only) | 7.8134% | 1,700 |
| Net charge-offs to loans | 0.0047% | 3,005 |
| Credit loss provision to net charge-offs | 2,142.8571% | 194 |
| Earnings coverage of net charge-offs (x) | 308.1429% | 298 |
| Efficiency ratio | 71.0408% | 2,156 |
| Assets per employee ($millions) | 5.0321% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 3,733 |
| Loan loss allowance to noncurrent loans | 92.0431% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.9850% | 1,525 |
| Noncurrent loans to loans | 1.1055% | 1,596 |
| Net loans and leases to total assets | 80.3820% | 962 |
| Net loans and leases to deposits | 94.0661% | 1,353 |
| Net loans and leases to core deposits | 101.2376% | 1,634 |
| Total domestic deposits to total assets | 85.4528% | 2,513 |
| Equity capital to assets | 10.6025% | 3,026 |
| Core capital (leverage) ratio | 9.9522% | 3,631 |
| Tier 1 risk-based capital ratio | 11.7849% | 4,628 |
| Total risk-based capital ratio | 12.7802% | 4,666 |
| Memoranda: | ||
| Average total assets | $367,160,000 | 1,855 |
| Average earning assets | $345,584,670 | 1,836 |
| Average equity | $38,958,670 | 1,904 |
| Average total loans | $297,158,330 | 1,621 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3519% | 2,347 |
| Cost of funding earning assets | 0.7097% | 1,389 |
| Net interest margin | 3.6422% | 3,019 |
| Noninterest income to average assets | 0.6145% | 2,192 |
| Noninterest expense to average assets | 2.9867% | 2,097 |
| Loan and lease loss provision to assets | 0.0823% | 2,147 |
| Net operating income to assets | 0.6993% | 4,102 |
| Return on assets (ROA) | 0.7834% | 3,776 |
| Pretax return on assets | 1.0698% | 3,282 |
| Return on Equity (ROE) | 7.3803% | 3,640 |
| Retained earnings to average equity (ytd only) | 7.3803% | 2,115 |
| Net charge-offs to loans | -0.0014% | 3,777 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6599% | 1,939 |
| Assets per employee ($millions) | 4.8841% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 3,830 |
| Loan loss allowance to noncurrent loans | 85.3901% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.2210% | 1,241 |
| Noncurrent loans to loans | 1.1980% | 1,520 |
| Net loans and leases to total assets | 80.5792% | 859 |
| Net loans and leases to deposits | 94.5831% | 1,177 |
| Net loans and leases to core deposits | 101.8932% | 1,541 |
| Total domestic deposits to total assets | 85.1940% | 2,861 |
| Equity capital to assets | 10.7368% | 2,835 |
| Core capital (leverage) ratio | 9.9325% | 3,600 |
| Tier 1 risk-based capital ratio | 11.8166% | 4,671 |
| Total risk-based capital ratio | 12.8149% | 4,722 |
| Memoranda: | ||
| Average total assets | $364,553,500 | 1,879 |
| Average earning assets | $342,105,500 | 1,862 |
| Average equity | $38,697,500 | 1,926 |
| Average total loans | $294,538,500 | 1,637 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2485% | 2,503 |
| Cost of funding earning assets | 0.6769% | 1,150 |
| Net interest margin | 3.5717% | 3,260 |
| Noninterest income to average assets | 0.6993% | 1,971 |
| Noninterest expense to average assets | 2.8265% | 2,686 |
| Loan and lease loss provision to assets | 0.0663% | 2,885 |
| Net operating income to assets | 0.7393% | 3,432 |
| Return on assets (ROA) | 0.7455% | 3,447 |
| Pretax return on assets | 1.1620% | 2,937 |
| Return on Equity (ROE) | 7.0633% | 3,241 |
| Retained earnings to average equity (ytd only) | 3.1349% | 3,417 |
| Net charge-offs to loans | 0.0135% | 3,621 |
| Credit loss provision to net charge-offs | 631.5789% | 509 |
| Earnings coverage of net charge-offs (x) | 116.0263% | 580 |
| Efficiency ratio | 69.4773% | 2,626 |
| Assets per employee ($millions) | 4.9687% | 2,520 |
| Cash dividends to net income (ytd only)* | 55.6174% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 3,979 |
| Loan loss allowance to noncurrent loans | 95.3836% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.0781% | 1,414 |
| Noncurrent loans to loans | 1.0433% | 1,707 |
| Net loans and leases to total assets | 79.3892% | 1,057 |
| Net loans and leases to deposits | 93.0001% | 1,390 |
| Net loans and leases to core deposits | 100.6569% | 1,662 |
| Total domestic deposits to total assets | 85.3647% | 2,703 |
| Equity capital to assets | 10.4954% | 3,173 |
| Core capital (leverage) ratio | 9.5777% | 3,940 |
| Tier 1 risk-based capital ratio | 11.3853% | 4,926 |
| Total risk-based capital ratio | 12.3422% | 4,975 |
| Memoranda: | ||
| Average total assets | $361,786,400 | 1,859 |
| Average earning assets | $338,917,200 | 1,847 |
| Average equity | $38,183,200 | 1,925 |
| Average total loans | $281,622,400 | 1,647 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 2,608 |
| Cost of funding earning assets | 0.6583% | 1,187 |
| Net interest margin | 3.5443% | 3,338 |
| Noninterest income to average assets | 0.6713% | 2,119 |
| Noninterest expense to average assets | 2.7953% | 2,744 |
| Loan and lease loss provision to assets | 0.0666% | 2,734 |
| Net operating income to assets | 0.7293% | 3,821 |
| Return on assets (ROA) | 0.7293% | 3,895 |
| Pretax return on assets | 1.1323% | 3,174 |
| Return on Equity (ROE) | 6.9008% | 3,718 |
| Retained earnings to average equity (ytd only) | 1.6490% | 4,769 |
| Net charge-offs to loans | -0.0580% | 5,212 |
| Credit loss provision to net charge-offs | -148.7603% | 4,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5942% | 2,602 |
| Assets per employee ($millions) | 4.9966% | 2,449 |
| Cash dividends to net income (ytd only)* | 76.1036% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 3,677 |
| Loan loss allowance to noncurrent loans | 143.0660% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.7238% | 2,338 |
| Noncurrent loans to loans | 0.7467% | 2,496 |
| Net loans and leases to total assets | 77.0024% | 1,420 |
| Net loans and leases to deposits | 90.5809% | 1,738 |
| Net loans and leases to core deposits | 98.7678% | 1,821 |
| Total domestic deposits to total assets | 85.0095% | 2,709 |
| Equity capital to assets | 10.4880% | 3,390 |
| Core capital (leverage) ratio | 9.5382% | 4,111 |
| Tier 1 risk-based capital ratio | 11.3429% | 5,053 |
| Total risk-based capital ratio | 12.3492% | 5,084 |
| Memoranda: | ||
| Average total assets | $360,311,500 | 1,879 |
| Average earning assets | $337,807,000 | 1,864 |
| Average equity | $38,081,500 | 1,947 |
| Average total loans | $278,318,750 | 1,675 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1531% | 2,655 |
| Cost of funding earning assets | 0.6332% | 1,242 |
| Net interest margin | 3.5198% | 3,323 |
| Noninterest income to average assets | 0.6571% | 2,179 |
| Noninterest expense to average assets | 2.7963% | 2,774 |
| Loan and lease loss provision to assets | 0.0669% | 2,633 |
| Net operating income to assets | 0.7040% | 3,835 |
| Return on assets (ROA) | 0.7040% | 3,899 |
| Pretax return on assets | 1.0935% | 3,209 |
| Return on Equity (ROE) | 6.6432% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.6432% | 1,775 |
| Net charge-offs to loans | -0.0318% | 4,985 |
| Credit loss provision to net charge-offs | -272.7273% | 4,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2916% | 2,626 |
| Assets per employee ($millions) | 5.0265% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 4,015 |
| Loan loss allowance to noncurrent loans | 139.3648% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.7026% | 2,458 |
| Noncurrent loans to loans | 0.7335% | 2,559 |
| Net loans and leases to total assets | 76.4188% | 1,477 |
| Net loans and leases to deposits | 88.6988% | 1,897 |
| Net loans and leases to core deposits | 96.5406% | 1,925 |
| Total domestic deposits to total assets | 86.1554% | 2,311 |
| Equity capital to assets | 10.6321% | 3,193 |
| Core capital (leverage) ratio | 9.7827% | 3,800 |
| Tier 1 risk-based capital ratio | 11.5666% | 4,914 |
| Total risk-based capital ratio | 12.5243% | 4,988 |
| Memoranda: | ||
| Average total assets | $358,831,670 | 1,891 |
| Average earning assets | $336,379,000 | 1,875 |
| Average equity | $38,023,670 | 1,952 |
| Average total loans | $276,458,330 | 1,684 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1074% | 2,630 |
| Cost of funding earning assets | 0.5957% | 1,404 |
| Net interest margin | 3.5116% | 3,232 |
| Noninterest income to average assets | 0.7024% | 1,960 |
| Noninterest expense to average assets | 2.8897% | 2,484 |
| Loan and lease loss provision to assets | 0.0676% | 2,459 |
| Net operating income to assets | 0.6404% | 3,980 |
| Return on assets (ROA) | 0.6404% | 4,018 |
| Pretax return on assets | 1.0215% | 3,282 |
| Return on Equity (ROE) | 6.0540% | 3,885 |
| Retained earnings to average equity (ytd only) | 6.0540% | 2,304 |
| Net charge-offs to loans | -0.0147% | 4,580 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2868% | 2,522 |
| Assets per employee ($millions) | 4.9125% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 4,132 |
| Loan loss allowance to noncurrent loans | 129.6622% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 2,295 |
| Noncurrent loans to loans | 0.7905% | 2,477 |
| Net loans and leases to total assets | 76.5008% | 1,327 |
| Net loans and leases to deposits | 89.5114% | 1,596 |
| Net loans and leases to core deposits | 97.5841% | 1,693 |
| Total domestic deposits to total assets | 85.4648% | 2,897 |
| Equity capital to assets | 10.7206% | 2,940 |
| Core capital (leverage) ratio | 9.9308% | 3,586 |
| Tier 1 risk-based capital ratio | 11.6880% | 4,919 |
| Total risk-based capital ratio | 12.6433% | 4,993 |
| Memoranda: | ||
| Average total assets | $354,779,500 | 1,916 |
| Average earning assets | $331,013,500 | 1,906 |
| Average equity | $37,529,000 | 1,971 |
| Average total loans | $273,035,500 | 1,712 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1140% | 2,792 |
| Cost of funding earning assets | 0.5952% | 1,373 |
| Net interest margin | 3.5188% | 3,364 |
| Noninterest income to average assets | 0.7858% | 1,804 |
| Noninterest expense to average assets | 2.8233% | 2,948 |
| Loan and lease loss provision to assets | 0.0503% | 3,384 |
| Net operating income to assets | 0.7732% | 3,437 |
| Return on assets (ROA) | 0.7732% | 3,537 |
| Pretax return on assets | 1.2097% | 2,623 |
| Return on Equity (ROE) | 7.4606% | 3,235 |
| Retained earnings to average equity (ytd only) | 4.7643% | 2,498 |
| Net charge-offs to loans | 0.1104% | 2,164 |
| Credit loss provision to net charge-offs | 60.0000% | 3,246 |
| Earnings coverage of net charge-offs (x) | 15.0300% | 2,242 |
| Efficiency ratio | 68.7106% | 3,126 |
| Assets per employee ($millions) | 5.1574% | 2,227 |
| Cash dividends to net income (ytd only)* | 36.1402% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 4,312 |
| Loan loss allowance to noncurrent loans | 127.7830% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.7961% | 2,363 |
| Noncurrent loans to loans | 0.7841% | 2,556 |
| Net loans and leases to total assets | 75.8598% | 1,533 |
| Net loans and leases to deposits | 86.9302% | 2,058 |
| Net loans and leases to core deposits | 93.2664% | 2,186 |
| Total domestic deposits to total assets | 87.2651% | 1,996 |
| Equity capital to assets | 10.4365% | 3,226 |
| Core capital (leverage) ratio | 9.3288% | 4,322 |
| Tier 1 risk-based capital ratio | 11.4288% | 5,100 |
| Total risk-based capital ratio | 12.3549% | 5,171 |
| Memoranda: | ||
| Average total assets | $357,843,200 | 1,865 |
| Average earning assets | $335,346,200 | 1,850 |
| Average equity | $37,088,400 | 1,971 |
| Average total loans | $271,776,200 | 1,664 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1010% | 2,873 |
| Cost of funding earning assets | 0.5863% | 1,439 |
| Net interest margin | 3.5147% | 3,415 |
| Noninterest income to average assets | 0.7177% | 2,092 |
| Noninterest expense to average assets | 2.7504% | 3,177 |
| Loan and lease loss provision to assets | 0.0670% | 2,879 |
| Net operating income to assets | 0.7717% | 3,502 |
| Return on assets (ROA) | 0.7717% | 3,645 |
| Pretax return on assets | 1.2059% | 2,808 |
| Return on Equity (ROE) | 7.4584% | 3,320 |
| Retained earnings to average equity (ytd only) | 3.8623% | 3,554 |
| Net charge-offs to loans | -0.0378% | 5,263 |
| Credit loss provision to net charge-offs | -233.7662% | 4,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9460% | 3,233 |
| Assets per employee ($millions) | 4.9764% | 2,393 |
| Cash dividends to net income (ytd only)* | 48.2161% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 3,633 |
| Loan loss allowance to noncurrent loans | 122.4498% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.9299% | 2,240 |
| Noncurrent loans to loans | 0.9283% | 2,392 |
| Net loans and leases to total assets | 75.4693% | 1,619 |
| Net loans and leases to deposits | 86.6701% | 2,191 |
| Net loans and leases to core deposits | 93.9161% | 2,197 |
| Total domestic deposits to total assets | 87.0765% | 1,862 |
| Equity capital to assets | 10.4965% | 3,571 |
| Core capital (leverage) ratio | 9.1827% | 4,614 |
| Tier 1 risk-based capital ratio | 11.4417% | 5,124 |
| Total risk-based capital ratio | 12.5189% | 5,115 |
| Memoranda: | ||
| Average total assets | $358,339,500 | 1,869 |
| Average earning assets | $337,011,500 | 1,844 |
| Average equity | $37,075,750 | 1,986 |
| Average total loans | $271,549,000 | 1,664 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1099% | 2,819 |
| Cost of funding earning assets | 0.5738% | 1,510 |
| Net interest margin | 3.5360% | 3,347 |
| Noninterest income to average assets | 0.7110% | 2,090 |
| Noninterest expense to average assets | 2.7643% | 3,155 |
| Loan and lease loss provision to assets | 0.0670% | 2,799 |
| Net operating income to assets | 0.7752% | 3,426 |
| Return on assets (ROA) | 0.7752% | 3,575 |
| Pretax return on assets | 1.2089% | 2,755 |
| Return on Equity (ROE) | 7.5289% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.5289% | 1,368 |
| Net charge-offs to loans | -0.0509% | 5,377 |
| Credit loss provision to net charge-offs | -173.9130% | 4,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0204% | 3,344 |
| Assets per employee ($millions) | 5.0424% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 3,831 |
| Loan loss allowance to noncurrent loans | 103.1897% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.0701% | 1,987 |
| Noncurrent loans to loans | 1.0866% | 2,113 |
| Net loans and leases to total assets | 73.8619% | 1,870 |
| Net loans and leases to deposits | 86.0295% | 2,253 |
| Net loans and leases to core deposits | 93.2208% | 2,240 |
| Total domestic deposits to total assets | 85.8565% | 2,486 |
| Equity capital to assets | 10.4488% | 3,696 |
| Core capital (leverage) ratio | 9.3897% | 4,348 |
| Tier 1 risk-based capital ratio | 11.8324% | 4,951 |
| Total risk-based capital ratio | 12.9118% | 4,955 |
| Memoranda: | ||
| Average total assets | $358,352,000 | 1,871 |
| Average earning assets | $337,384,000 | 1,842 |
| Average equity | $36,898,000 | 1,999 |
| Average total loans | $270,893,000 | 1,665 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1519% | 2,643 |
| Cost of funding earning assets | 0.5658% | 1,576 |
| Net interest margin | 3.5861% | 3,142 |
| Noninterest income to average assets | 0.6865% | 2,104 |
| Noninterest expense to average assets | 2.8022% | 3,059 |
| Loan and lease loss provision to assets | 0.0674% | 2,610 |
| Net operating income to assets | 0.7629% | 3,426 |
| Return on assets (ROA) | 0.7629% | 3,535 |
| Pretax return on assets | 1.1854% | 2,761 |
| Return on Equity (ROE) | 7.4657% | 3,204 |
| Retained earnings to average equity (ytd only) | 7.4657% | 1,681 |
| Net charge-offs to loans | -0.0414% | 5,236 |
| Credit loss provision to net charge-offs | -214.2857% | 4,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7171% | 3,345 |
| Assets per employee ($millions) | 4.8450% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 4,077 |
| Loan loss allowance to noncurrent loans | 116.5279% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.9195% | 2,395 |
| Noncurrent loans to loans | 0.9405% | 2,496 |
| Net loans and leases to total assets | 75.0149% | 1,551 |
| Net loans and leases to deposits | 90.4170% | 1,529 |
| Net loans and leases to core deposits | 95.0759% | 1,882 |
| Total domestic deposits to total assets | 82.9655% | 3,910 |
| Equity capital to assets | 10.4483% | 3,559 |
| Core capital (leverage) ratio | 9.3647% | 4,405 |
| Tier 1 risk-based capital ratio | 11.9289% | 4,955 |
| Total risk-based capital ratio | 13.0038% | 4,988 |
| Memoranda: | ||
| Average total assets | $356,000,000 | 1,883 |
| Average earning assets | $334,404,000 | 1,858 |
| Average equity | $36,379,500 | 2,020 |
| Average total loans | $270,739,000 | 1,665 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0323% | 3,184 |
| Cost of funding earning assets | 0.5112% | 2,058 |
| Net interest margin | 3.5211% | 3,449 |
| Noninterest income to average assets | 0.7910% | 1,823 |
| Noninterest expense to average assets | 2.8701% | 2,964 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7768% | 3,438 |
| Return on assets (ROA) | 0.7805% | 3,490 |
| Pretax return on assets | 1.2291% | 2,549 |
| Return on Equity (ROE) | 7.5290% | 3,235 |
| Retained earnings to average equity (ytd only) | 6.0828% | 1,748 |
| Net charge-offs to loans | -0.0467% | 5,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7041% | 3,267 |
| Assets per employee ($millions) | 5.1188% | 2,216 |
| Cash dividends to net income (ytd only)* | 19.2086% | 3,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 4,354 |
| Loan loss allowance to noncurrent loans | 100.0351% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.0320% | 2,128 |
| Noncurrent loans to loans | 1.0435% | 2,245 |
| Net loans and leases to total assets | 75.4558% | 1,502 |
| Net loans and leases to deposits | 94.3690% | 1,167 |
| Net loans and leases to core deposits | 99.3489% | 1,565 |
| Total domestic deposits to total assets | 79.9582% | 4,755 |
| Equity capital to assets | 9.9925% | 3,965 |
| Core capital (leverage) ratio | 9.3819% | 4,352 |
| Tier 1 risk-based capital ratio | 11.7978% | 5,071 |
| Total risk-based capital ratio | 12.8510% | 5,101 |
| Memoranda: | ||
| Average total assets | $333,507,400 | 1,974 |
| Average earning assets | $312,799,000 | 1,937 |
| Average equity | $34,572,800 | 2,062 |
| Average total loans | $242,082,800 | 1,784 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0102% | 3,298 |
| Cost of funding earning assets | 0.5128% | 2,095 |
| Net interest margin | 3.4974% | 3,547 |
| Noninterest income to average assets | 0.7491% | 2,029 |
| Noninterest expense to average assets | 2.8763% | 2,922 |
| Loan and lease loss provision to assets | 0.0945% | 2,276 |
| Net operating income to assets | 0.6903% | 3,944 |
| Return on assets (ROA) | 0.6909% | 4,055 |
| Pretax return on assets | 1.0632% | 3,359 |
| Return on Equity (ROE) | 6.5994% | 3,836 |
| Retained earnings to average equity (ytd only) | 4.6538% | 3,164 |
| Net charge-offs to loans | -0.0717% | 5,668 |
| Credit loss provision to net charge-offs | -184.1270% | 5,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9221% | 3,063 |
| Assets per employee ($millions) | 4.8669% | 2,462 |
| Cash dividends to net income (ytd only)* | 29.4811% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 3,323 |
| Loan loss allowance to noncurrent loans | 100.4541% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.1899% | 1,985 |
| Noncurrent loans to loans | 1.2521% | 2,032 |
| Net loans and leases to total assets | 73.4622% | 1,827 |
| Net loans and leases to deposits | 85.0448% | 2,274 |
| Net loans and leases to core deposits | 89.5371% | 2,510 |
| Total domestic deposits to total assets | 86.3806% | 2,340 |
| Equity capital to assets | 10.5534% | 3,542 |
| Core capital (leverage) ratio | 9.6002% | 4,165 |
| Tier 1 risk-based capital ratio | 12.6604% | 4,639 |
| Total risk-based capital ratio | 13.9105% | 4,549 |
| Memoranda: | ||
| Average total assets | $327,305,000 | 2,023 |
| Average earning assets | $307,340,000 | 1,996 |
| Average equity | $34,264,750 | 2,090 |
| Average total loans | $234,297,750 | 1,847 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 3,334 |
| Cost of funding earning assets | 0.5140% | 2,120 |
| Net interest margin | 3.4766% | 3,594 |
| Noninterest income to average assets | 0.6924% | 2,247 |
| Noninterest expense to average assets | 2.8734% | 2,983 |
| Loan and lease loss provision to assets | 0.1196% | 1,850 |
| Net operating income to assets | 0.6352% | 4,196 |
| Return on assets (ROA) | 0.6360% | 4,300 |
| Pretax return on assets | 0.9654% | 3,719 |
| Return on Equity (ROE) | 6.0921% | 4,082 |
| Retained earnings to average equity (ytd only) | 6.0921% | 2,178 |
| Net charge-offs to loans | -0.0981% | 5,782 |
| Credit loss provision to net charge-offs | -172.5664% | 5,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2412% | 2,972 |
| Assets per employee ($millions) | 4.7030% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 3,152 |
| Loan loss allowance to noncurrent loans | 95.4574% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.2297% | 2,051 |
| Noncurrent loans to loans | 1.3788% | 1,963 |
| Net loans and leases to total assets | 68.4205% | 2,585 |
| Net loans and leases to deposits | 79.4610% | 2,854 |
| Net loans and leases to core deposits | 83.7041% | 3,009 |
| Total domestic deposits to total assets | 86.1058% | 2,641 |
| Equity capital to assets | 10.2777% | 3,714 |
| Core capital (leverage) ratio | 9.4234% | 4,385 |
| Tier 1 risk-based capital ratio | 13.1370% | 4,433 |
| Total risk-based capital ratio | 14.3876% | 4,351 |
| Memoranda: | ||
| Average total assets | $326,091,000 | 2,042 |
| Average earning assets | $306,221,330 | 2,009 |
| Average equity | $34,044,330 | 2,111 |
| Average total loans | $230,324,330 | 1,884 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0542% | 3,026 |
| Cost of funding earning assets | 0.5050% | 2,241 |
| Net interest margin | 3.5492% | 3,225 |
| Noninterest income to average assets | 0.6282% | 2,506 |
| Noninterest expense to average assets | 2.9238% | 2,823 |
| Loan and lease loss provision to assets | 0.1204% | 1,721 |
| Net operating income to assets | 0.6067% | 4,258 |
| Return on assets (ROA) | 0.6084% | 4,341 |
| Pretax return on assets | 0.9200% | 3,812 |
| Return on Equity (ROE) | 5.7805% | 4,147 |
| Retained earnings to average equity (ytd only) | 5.7805% | 2,617 |
| Net charge-offs to loans | -0.0226% | 5,099 |
| Credit loss provision to net charge-offs | -746.1538% | 4,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4253% | 2,916 |
| Assets per employee ($millions) | 4.5208% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 3,521 |
| Loan loss allowance to noncurrent loans | 122.2747% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.2091% | 2,218 |
| Noncurrent loans to loans | 1.0468% | 2,670 |
| Net loans and leases to total assets | 68.4586% | 2,373 |
| Net loans and leases to deposits | 80.0090% | 2,558 |
| Net loans and leases to core deposits | 84.4067% | 2,727 |
| Total domestic deposits to total assets | 85.5637% | 3,145 |
| Equity capital to assets | 10.6756% | 3,339 |
| Core capital (leverage) ratio | 9.4574% | 4,341 |
| Tier 1 risk-based capital ratio | 12.8863% | 4,672 |
| Total risk-based capital ratio | 14.0966% | 4,614 |
| Memoranda: | ||
| Average total assets | $322,178,500 | 2,075 |
| Average earning assets | $302,599,500 | 2,037 |
| Average equity | $33,907,000 | 2,129 |
| Average total loans | $229,729,500 | 1,875 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 3,269 |
| Cost of funding earning assets | 0.5194% | 2,494 |
| Net interest margin | 3.5960% | 3,427 |
| Noninterest income to average assets | 0.6543% | 2,529 |
| Noninterest expense to average assets | 2.8024% | 3,474 |
| Loan and lease loss provision to assets | 0.1616% | 1,627 |
| Net operating income to assets | 0.6774% | 4,000 |
| Return on assets (ROA) | 0.6798% | 4,108 |
| Pretax return on assets | 1.0476% | 3,315 |
| Return on Equity (ROE) | 6.7535% | 3,764 |
| Retained earnings to average equity (ytd only) | 5.2102% | 2,459 |
| Net charge-offs to loans | 0.6562% | 587 |
| Credit loss provision to net charge-offs | 35.2542% | 3,762 |
| Earnings coverage of net charge-offs (x) | 2.6305% | 4,101 |
| Efficiency ratio | 69.9225% | 3,538 |
| Assets per employee ($millions) | 4.4299% | 3,149 |
| Cash dividends to net income (ytd only)* | 22.8519% | 3,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 4,245 |
| Loan loss allowance to noncurrent loans | 108.5612% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.2385% | 2,276 |
| Noncurrent loans to loans | 1.0651% | 2,692 |
| Net loans and leases to total assets | 72.4023% | 1,846 |
| Net loans and leases to deposits | 86.3970% | 1,925 |
| Net loans and leases to core deposits | 91.7691% | 2,117 |
| Total domestic deposits to total assets | 83.8018% | 3,803 |
| Equity capital to assets | 10.3741% | 3,636 |
| Core capital (leverage) ratio | 9.3327% | 4,490 |
| Tier 1 risk-based capital ratio | 11.8132% | 5,483 |
| Total risk-based capital ratio | 12.8973% | 5,486 |
| Memoranda: | ||
| Average total assets | $321,869,800 | 2,015 |
| Average earning assets | $300,168,800 | 1,995 |
| Average equity | $32,397,800 | 2,145 |
| Average total loans | $224,775,200 | 1,865 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 3,342 |
| Cost of funding earning assets | 0.5236% | 2,535 |
| Net interest margin | 3.5846% | 3,492 |
| Noninterest income to average assets | 0.6453% | 2,601 |
| Noninterest expense to average assets | 2.8350% | 3,335 |
| Loan and lease loss provision to assets | 0.1721% | 1,433 |
| Net operating income to assets | 0.6313% | 4,298 |
| Return on assets (ROA) | 0.6345% | 4,389 |
| Pretax return on assets | 0.9763% | 3,690 |
| Return on Equity (ROE) | 6.3530% | 4,054 |
| Retained earnings to average equity (ytd only) | 4.2768% | 3,606 |
| Net charge-offs to loans | 0.1389% | 2,408 |
| Credit loss provision to net charge-offs | 179.6537% | 1,391 |
| Earnings coverage of net charge-offs (x) | 11.9352% | 2,360 |
| Efficiency ratio | 71.2603% | 3,301 |
| Assets per employee ($millions) | 4.4846% | 3,002 |
| Cash dividends to net income (ytd only)* | 32.6797% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7241% | 1,903 |
| Loan loss allowance to noncurrent loans | 95.6822% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.8129% | 1,633 |
| Noncurrent loans to loans | 1.8019% | 1,797 |
| Net loans and leases to total assets | 70.4178% | 2,130 |
| Net loans and leases to deposits | 83.1786% | 2,263 |
| Net loans and leases to core deposits | 88.4550% | 2,377 |
| Total domestic deposits to total assets | 84.6586% | 3,474 |
| Equity capital to assets | 10.4319% | 3,645 |
| Core capital (leverage) ratio | 9.0621% | 4,982 |
| Tier 1 risk-based capital ratio | 12.2269% | 5,346 |
| Total risk-based capital ratio | 13.4816% | 5,263 |
| Memoranda: | ||
| Average total assets | $321,491,750 | 2,034 |
| Average earning assets | $298,940,000 | 2,016 |
| Average equity | $32,110,250 | 2,169 |
| Average total loans | $221,750,250 | 1,903 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0400% | 3,587 |
| Cost of funding earning assets | 0.5220% | 2,619 |
| Net interest margin | 3.5180% | 3,705 |
| Noninterest income to average assets | 0.5290% | 3,276 |
| Noninterest expense to average assets | 2.8165% | 3,439 |
| Loan and lease loss provision to assets | 0.1913% | 1,276 |
| Net operating income to assets | 0.5173% | 4,736 |
| Return on assets (ROA) | 0.5210% | 4,816 |
| Pretax return on assets | 0.7926% | 4,304 |
| Return on Equity (ROE) | 5.2919% | 4,533 |
| Retained earnings to average equity (ytd only) | 5.2919% | 2,767 |
| Net charge-offs to loans | 0.1640% | 2,082 |
| Credit loss provision to net charge-offs | 171.2707% | 1,329 |
| Earnings coverage of net charge-offs (x) | 8.7569% | 2,451 |
| Efficiency ratio | 74.2193% | 2,938 |
| Assets per employee ($millions) | 4.8324% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7265% | 2,051 |
| Loan loss allowance to noncurrent loans | 89.2807% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.7877% | 1,813 |
| Noncurrent loans to loans | 1.9338% | 1,762 |
| Net loans and leases to total assets | 65.2633% | 2,871 |
| Net loans and leases to deposits | 76.4852% | 2,988 |
| Net loans and leases to core deposits | 81.1113% | 3,087 |
| Total domestic deposits to total assets | 85.3280% | 3,346 |
| Equity capital to assets | 9.7875% | 4,376 |
| Core capital (leverage) ratio | 8.9314% | 5,111 |
| Tier 1 risk-based capital ratio | 12.3070% | 5,355 |
| Total risk-based capital ratio | 13.5601% | 5,272 |
| Memoranda: | ||
| Average total assets | $324,015,000 | 2,012 |
| Average earning assets | $300,794,000 | 2,004 |
| Average equity | $31,897,670 | 2,164 |
| Average total loans | $220,688,670 | 1,901 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 3,338 |
| Cost of funding earning assets | 0.5139% | 2,769 |
| Net interest margin | 3.5727% | 3,375 |
| Noninterest income to average assets | 0.5261% | 3,224 |
| Noninterest expense to average assets | 2.9740% | 2,967 |
| Loan and lease loss provision to assets | 0.2568% | 834 |
| Net operating income to assets | 0.4109% | 5,075 |
| Return on assets (ROA) | 0.4109% | 5,141 |
| Pretax return on assets | 0.6051% | 4,813 |
| Return on Equity (ROE) | 4.1612% | 4,956 |
| Retained earnings to average equity (ytd only) | 4.1612% | 3,635 |
| Net charge-offs to loans | -0.0054% | 4,840 |
| Credit loss provision to net charge-offs | -6,833.3333% | 5,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5310% | 2,548 |
| Assets per employee ($millions) | 4.4251% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7809% | 2,100 |
| Loan loss allowance to noncurrent loans | 87.7051% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.9407% | 1,772 |
| Noncurrent loans to loans | 2.0305% | 1,836 |
| Net loans and leases to total assets | 66.6211% | 2,461 |
| Net loans and leases to deposits | 78.7931% | 2,451 |
| Net loans and leases to core deposits | 83.8157% | 2,538 |
| Total domestic deposits to total assets | 84.5519% | 4,064 |
| Equity capital to assets | 9.8836% | 3,976 |
| Core capital (leverage) ratio | 9.0014% | 5,008 |
| Tier 1 risk-based capital ratio | 12.2413% | 5,478 |
| Total risk-based capital ratio | 13.4966% | 5,408 |
| Memoranda: | ||
| Average total assets | $319,304,000 | 2,045 |
| Average earning assets | $295,795,000 | 2,042 |
| Average equity | $31,529,000 | 2,180 |
| Average total loans | $220,315,500 | 1,895 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0455% | 3,934 |
| Cost of funding earning assets | 0.5571% | 3,052 |
| Net interest margin | 3.4884% | 3,953 |
| Noninterest income to average assets | 0.6288% | 2,925 |
| Noninterest expense to average assets | 2.8947% | 3,386 |
| Loan and lease loss provision to assets | 0.3061% | 1,092 |
| Net operating income to assets | 0.4502% | 4,951 |
| Return on assets (ROA) | 0.4527% | 5,070 |
| Pretax return on assets | 0.6701% | 4,638 |
| Return on Equity (ROE) | 4.5825% | 4,845 |
| Retained earnings to average equity (ytd only) | 3.0001% | 4,107 |
| Net charge-offs to loans | 0.3248% | 2,055 |
| Credit loss provision to net charge-offs | 141.8841% | 1,646 |
| Earnings coverage of net charge-offs (x) | 4.5072% | 3,547 |
| Efficiency ratio | 74.8545% | 2,974 |
| Assets per employee ($millions) | 4.2646% | 3,329 |
| Cash dividends to net income (ytd only)* | 34.5304% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6675% | 2,507 |
| Loan loss allowance to noncurrent loans | 83.9164% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.0058% | 1,789 |
| Noncurrent loans to loans | 1.9872% | 2,002 |
| Net loans and leases to total assets | 69.0254% | 2,166 |
| Net loans and leases to deposits | 81.8306% | 2,200 |
| Net loans and leases to core deposits | 87.1553% | 2,332 |
| Total domestic deposits to total assets | 84.3516% | 4,036 |
| Equity capital to assets | 9.8648% | 3,946 |
| Core capital (leverage) ratio | 8.8274% | 5,236 |
| Tier 1 risk-based capital ratio | 11.9654% | 5,635 |
| Total risk-based capital ratio | 13.2194% | 5,568 |
| Memoranda: | ||
| Average total assets | $319,826,800 | 2,010 |
| Average earning assets | $296,894,800 | 1,997 |
| Average equity | $31,598,800 | 2,148 |
| Average total loans | $212,418,400 | 1,914 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9757% | 4,222 |
| Cost of funding earning assets | 0.5648% | 3,125 |
| Net interest margin | 3.4109% | 4,242 |
| Noninterest income to average assets | 0.7284% | 2,468 |
| Noninterest expense to average assets | 2.9172% | 3,243 |
| Loan and lease loss provision to assets | 0.0669% | 3,716 |
| Net operating income to assets | 0.5913% | 4,394 |
| Return on assets (ROA) | 0.5913% | 4,520 |
| Pretax return on assets | 0.9112% | 3,834 |
| Return on Equity (ROE) | 5.9822% | 4,200 |
| Retained earnings to average equity (ytd only) | 3.8802% | 3,927 |
| Net charge-offs to loans | 0.4422% | 1,454 |
| Credit loss provision to net charge-offs | 23.0990% | 4,015 |
| Earnings coverage of net charge-offs (x) | 3.3773% | 3,720 |
| Efficiency ratio | 74.8907% | 2,927 |
| Assets per employee ($millions) | 4.4511% | 2,954 |
| Cash dividends to net income (ytd only)* | 35.1370% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 4,187 |
| Loan loss allowance to noncurrent loans | 118.0173% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 1.4740% | 2,728 |
| Noncurrent loans to loans | 1.1370% | 3,533 |
| Net loans and leases to total assets | 65.8191% | 2,671 |
| Net loans and leases to deposits | 77.8906% | 2,685 |
| Net loans and leases to core deposits | 81.9743% | 2,876 |
| Total domestic deposits to total assets | 84.5020% | 3,977 |
| Equity capital to assets | 9.8399% | 4,116 |
| Core capital (leverage) ratio | 8.7558% | 5,469 |
| Tier 1 risk-based capital ratio | 12.2558% | 5,601 |
| Total risk-based capital ratio | 13.5057% | 5,538 |
| Memoranda: | ||
| Average total assets | $320,889,000 | 2,011 |
| Average earning assets | $297,938,250 | 1,997 |
| Average equity | $31,715,750 | 2,166 |
| Average total loans | $210,142,250 | 1,928 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9596% | 4,264 |
| Cost of funding earning assets | 0.5689% | 3,228 |
| Net interest margin | 3.3907% | 4,219 |
| Noninterest income to average assets | 0.7613% | 2,360 |
| Noninterest expense to average assets | 2.9555% | 3,145 |
| Loan and lease loss provision to assets | 0.0417% | 4,118 |
| Net operating income to assets | 0.5931% | 4,324 |
| Return on assets (ROA) | 0.5931% | 4,509 |
| Pretax return on assets | 0.9127% | 3,860 |
| Return on Equity (ROE) | 5.9919% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.9919% | 2,447 |
| Net charge-offs to loans | 0.6328% | 1,042 |
| Credit loss provision to net charge-offs | 10.1362% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.3177% | 3,751 |
| Efficiency ratio | 75.5895% | 2,844 |
| Assets per employee ($millions) | 4.5964% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 4,260 |
| Loan loss allowance to noncurrent loans | 111.6362% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.4997% | 2,852 |
| Noncurrent loans to loans | 1.2111% | 3,531 |
| Net loans and leases to total assets | 62.8465% | 3,128 |
| Net loans and leases to deposits | 74.3517% | 3,097 |
| Net loans and leases to core deposits | 78.1686% | 3,266 |
| Total domestic deposits to total assets | 84.5260% | 4,118 |
| Equity capital to assets | 9.6672% | 4,358 |
| Core capital (leverage) ratio | 8.9609% | 5,061 |
| Tier 1 risk-based capital ratio | 12.4688% | 5,530 |
| Total risk-based capital ratio | 13.7134% | 5,470 |
| Memoranda: | ||
| Average total assets | $321,025,330 | 2,016 |
| Average earning assets | $298,111,330 | 1,997 |
| Average equity | $31,776,000 | 2,166 |
| Average total loans | $208,921,000 | 1,944 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0017% | 4,112 |
| Cost of funding earning assets | 0.5939% | 3,163 |
| Net interest margin | 3.4077% | 4,089 |
| Noninterest income to average assets | 0.6734% | 2,734 |
| Noninterest expense to average assets | 3.0983% | 2,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4913% | 4,711 |
| Return on assets (ROA) | 0.4913% | 4,868 |
| Pretax return on assets | 0.7325% | 4,436 |
| Return on Equity (ROE) | 4.9044% | 4,627 |
| Retained earnings to average equity (ytd only) | 4.9044% | 3,295 |
| Net charge-offs to loans | 1.3580% | 408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.8200% | 3,556 |
| Efficiency ratio | 80.8790% | 2,197 |
| Assets per employee ($millions) | 4.4670% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 4,699 |
| Loan loss allowance to noncurrent loans | 104.1361% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.6159% | 2,837 |
| Noncurrent loans to loans | 1.2477% | 3,692 |
| Net loans and leases to total assets | 64.5226% | 2,611 |
| Net loans and leases to deposits | 76.3984% | 2,572 |
| Net loans and leases to core deposits | 80.5508% | 2,740 |
| Total domestic deposits to total assets | 84.4555% | 4,284 |
| Equity capital to assets | 10.1148% | 3,994 |
| Core capital (leverage) ratio | 8.7123% | 5,312 |
| Tier 1 risk-based capital ratio | 12.2824% | 5,732 |
| Total risk-based capital ratio | 13.4813% | 5,729 |
| Memoranda: | ||
| Average total assets | $318,367,500 | 2,055 |
| Average earning assets | $294,977,000 | 2,039 |
| Average equity | $31,890,000 | 2,188 |
| Average total loans | $209,429,000 | 1,947 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 4,548 |
| Cost of funding earning assets | 0.7398% | 3,162 |
| Net interest margin | 3.4710% | 4,623 |
| Noninterest income to average assets | 0.7055% | 2,693 |
| Noninterest expense to average assets | 2.9853% | 3,334 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6001% | 4,237 |
| Return on assets (ROA) | 0.6406% | 4,292 |
| Pretax return on assets | 0.9905% | 3,578 |
| Return on Equity (ROE) | 6.3884% | 3,967 |
| Retained earnings to average equity (ytd only) | 2.5649% | 4,421 |
| Net charge-offs to loans | 0.2562% | 3,406 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 5.6518% | 2,985 |
| Efficiency ratio | 76.2818% | 2,699 |
| Assets per employee ($millions) | 4.3186% | 3,312 |
| Cash dividends to net income (ytd only)* | 59.8504% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 3,269 |
| Loan loss allowance to noncurrent loans | 103.5269% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 1.8988% | 2,572 |
| Noncurrent loans to loans | 1.5549% | 3,287 |
| Net loans and leases to total assets | 65.1237% | 2,689 |
| Net loans and leases to deposits | 76.7347% | 2,687 |
| Net loans and leases to core deposits | 81.4750% | 2,829 |
| Total domestic deposits to total assets | 84.8687% | 3,919 |
| Equity capital to assets | 9.9194% | 4,281 |
| Core capital (leverage) ratio | 8.6227% | 5,434 |
| Tier 1 risk-based capital ratio | 11.6642% | 5,985 |
| Total risk-based capital ratio | 12.9168% | 5,944 |
| Memoranda: | ||
| Average total assets | $312,969,800 | 2,050 |
| Average earning assets | $289,254,800 | 2,050 |
| Average equity | $31,384,800 | 2,179 |
| Average total loans | $200,604,800 | 2,002 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 4,672 |
| Cost of funding earning assets | 0.7731% | 3,162 |
| Net interest margin | 3.4686% | 4,767 |
| Noninterest income to average assets | 0.6694% | 2,877 |
| Noninterest expense to average assets | 2.9752% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5817% | 4,472 |
| Return on assets (ROA) | 0.6351% | 4,465 |
| Pretax return on assets | 0.9885% | 3,760 |
| Return on Equity (ROE) | 6.3160% | 4,163 |
| Retained earnings to average equity (ytd only) | 1.2053% | 5,693 |
| Net charge-offs to loans | 0.1415% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 10.0620% | 2,231 |
| Efficiency ratio | 76.6777% | 2,569 |
| Assets per employee ($millions) | 4.5638% | 2,802 |
| Cash dividends to net income (ytd only)* | 80.9172% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8731% | 2,567 |
| Loan loss allowance to noncurrent loans | 129.7307% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 1.9860% | 2,661 |
| Noncurrent loans to loans | 1.4439% | 3,640 |
| Net loans and leases to total assets | 61.7024% | 3,441 |
| Net loans and leases to deposits | 72.7246% | 3,493 |
| Net loans and leases to core deposits | 77.2785% | 3,574 |
| Total domestic deposits to total assets | 84.8439% | 3,817 |
| Equity capital to assets | 9.9383% | 4,594 |
| Core capital (leverage) ratio | 8.4651% | 5,801 |
| Tier 1 risk-based capital ratio | 12.2935% | 5,770 |
| Total risk-based capital ratio | 13.5494% | 5,738 |
| Memoranda: | ||
| Average total assets | $311,318,500 | 2,092 |
| Average earning assets | $288,178,750 | 2,078 |
| Average equity | $31,306,000 | 2,198 |
| Average total loans | $197,875,000 | 2,045 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 4,728 |
| Cost of funding earning assets | 0.8022% | 3,172 |
| Net interest margin | 3.4550% | 4,859 |
| Noninterest income to average assets | 0.7900% | 2,233 |
| Noninterest expense to average assets | 2.9446% | 3,458 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6643% | 4,041 |
| Return on assets (ROA) | 0.6643% | 4,303 |
| Pretax return on assets | 1.0422% | 3,549 |
| Return on Equity (ROE) | 6.5795% | 4,005 |
| Retained earnings to average equity (ytd only) | 6.5795% | 2,340 |
| Net charge-offs to loans | 0.2184% | 3,262 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 7.4815% | 2,475 |
| Efficiency ratio | 73.8596% | 3,097 |
| Assets per employee ($millions) | 4.3166% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8421% | 2,727 |
| Loan loss allowance to noncurrent loans | 126.7283% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 2.1329% | 2,626 |
| Noncurrent loans to loans | 1.4536% | 3,733 |
| Net loans and leases to total assets | 63.4891% | 3,150 |
| Net loans and leases to deposits | 75.2136% | 3,096 |
| Net loans and leases to core deposits | 80.6585% | 3,131 |
| Total domestic deposits to total assets | 84.4118% | 4,134 |
| Equity capital to assets | 10.2853% | 3,956 |
| Core capital (leverage) ratio | 8.9877% | 4,936 |
| Tier 1 risk-based capital ratio | 12.5775% | 5,515 |
| Total risk-based capital ratio | 13.8332% | 5,488 |
| Memoranda: | ||
| Average total assets | $310,124,000 | 2,095 |
| Average earning assets | $286,947,000 | 2,080 |
| Average equity | $31,309,330 | 2,184 |
| Average total loans | $197,829,670 | 2,046 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 4,795 |
| Cost of funding earning assets | 0.8424% | 3,127 |
| Net interest margin | 3.4437% | 4,936 |
| Noninterest income to average assets | 0.9051% | 1,724 |
| Noninterest expense to average assets | 2.9698% | 3,389 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6663% | 4,045 |
| Return on assets (ROA) | 0.6663% | 4,260 |
| Pretax return on assets | 1.1182% | 3,249 |
| Return on Equity (ROE) | 6.6621% | 3,958 |
| Retained earnings to average equity (ytd only) | 6.6621% | 2,600 |
| Net charge-offs to loans | 0.3812% | 2,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.6310% | 2,535 |
| Efficiency ratio | 72.6469% | 3,321 |
| Assets per employee ($millions) | 4.4453% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9411% | 2,554 |
| Loan loss allowance to noncurrent loans | 119.1951% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 2.3044% | 2,579 |
| Noncurrent loans to loans | 1.6285% | 3,668 |
| Net loans and leases to total assets | 61.4659% | 3,363 |
| Net loans and leases to deposits | 72.5255% | 3,350 |
| Net loans and leases to core deposits | 77.8490% | 3,351 |
| Total domestic deposits to total assets | 84.7507% | 4,141 |
| Equity capital to assets | 10.1968% | 3,858 |
| Core capital (leverage) ratio | 8.7023% | 5,291 |
| Tier 1 risk-based capital ratio | 12.7808% | 5,381 |
| Total risk-based capital ratio | 14.0374% | 5,356 |
| Memoranda: | ||
| Average total assets | $309,790,000 | 2,099 |
| Average earning assets | $286,324,000 | 2,087 |
| Average equity | $30,981,000 | 2,204 |
| Average total loans | $196,233,500 | 2,069 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7410% | 4,075 |
| Cost of funding earning assets | 1.0259% | 3,190 |
| Net interest margin | 3.7151% | 4,231 |
| Noninterest income to average assets | 0.4772% | 4,011 |
| Noninterest expense to average assets | 3.0403% | 3,434 |
| Loan and lease loss provision to assets | 0.1310% | 4,976 |
| Net operating income to assets | 0.4622% | 4,580 |
| Return on assets (ROA) | 0.4622% | 4,783 |
| Pretax return on assets | 0.7124% | 4,283 |
| Return on Equity (ROE) | 4.7431% | 4,508 |
| Retained earnings to average equity (ytd only) | 4.7431% | 2,826 |
| Net charge-offs to loans | 0.8422% | 2,055 |
| Credit loss provision to net charge-offs | 23.6407% | 5,869 |
| Earnings coverage of net charge-offs (x) | 1.5219% | 4,636 |
| Efficiency ratio | 78.2829% | 2,556 |
| Assets per employee ($millions) | 4.5342% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9575% | 2,399 |
| Loan loss allowance to noncurrent loans | 91.0125% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 2.7728% | 2,188 |
| Noncurrent loans to loans | 2.1508% | 3,005 |
| Net loans and leases to total assets | 62.7398% | 3,460 |
| Net loans and leases to deposits | 74.4800% | 3,423 |
| Net loans and leases to core deposits | 81.5907% | 3,236 |
| Total domestic deposits to total assets | 84.2372% | 4,221 |
| Equity capital to assets | 9.8083% | 4,432 |
| Core capital (leverage) ratio | 8.5045% | 5,552 |
| Tier 1 risk-based capital ratio | 11.8553% | 5,930 |
| Total risk-based capital ratio | 13.1116% | 5,908 |
| Memoranda: | ||
| Average total assets | $305,300,200 | 2,096 |
| Average earning assets | $279,938,600 | 2,101 |
| Average equity | $29,748,200 | 2,216 |
| Average total loans | $200,911,000 | 2,034 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 4,007 |
| Cost of funding earning assets | 1.0782% | 3,121 |
| Net interest margin | 3.7245% | 4,232 |
| Noninterest income to average assets | 0.4865% | 3,983 |
| Noninterest expense to average assets | 3.0941% | 3,185 |
| Loan and lease loss provision to assets | 0.1648% | 4,421 |
| Net operating income to assets | 0.4188% | 4,911 |
| Return on assets (ROA) | 0.4188% | 5,104 |
| Pretax return on assets | 0.6385% | 4,693 |
| Return on Equity (ROE) | 4.3052% | 4,863 |
| Retained earnings to average equity (ytd only) | 4.3052% | 3,665 |
| Net charge-offs to loans | 0.8036% | 1,954 |
| Credit loss provision to net charge-offs | 30.9406% | 5,401 |
| Earnings coverage of net charge-offs (x) | 1.5082% | 4,509 |
| Efficiency ratio | 79.3889% | 2,349 |
| Assets per employee ($millions) | 4.4425% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2110% | 1,834 |
| Loan loss allowance to noncurrent loans | 73.7854% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 3.4507% | 1,827 |
| Noncurrent loans to loans | 2.9966% | 2,306 |
| Net loans and leases to total assets | 64.0382% | 3,301 |
| Net loans and leases to deposits | 76.4447% | 3,259 |
| Net loans and leases to core deposits | 82.2695% | 3,285 |
| Total domestic deposits to total assets | 83.7706% | 4,336 |
| Equity capital to assets | 10.0855% | 4,226 |
| Core capital (leverage) ratio | 8.5409% | 5,654 |
| Tier 1 risk-based capital ratio | 11.9447% | 5,931 |
| Total risk-based capital ratio | 13.2042% | 5,909 |
| Memoranda: | ||
| Average total assets | $303,411,000 | 2,121 |
| Average earning assets | $277,865,000 | 2,123 |
| Average equity | $29,513,750 | 2,226 |
| Average total loans | $201,087,500 | 2,051 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8393% | 3,913 |
| Cost of funding earning assets | 1.1113% | 3,159 |
| Net interest margin | 3.7280% | 4,133 |
| Noninterest income to average assets | 0.4772% | 4,048 |
| Noninterest expense to average assets | 3.2174% | 2,840 |
| Loan and lease loss provision to assets | 0.0823% | 5,280 |
| Net operating income to assets | 0.3870% | 5,014 |
| Return on assets (ROA) | 0.3870% | 5,149 |
| Pretax return on assets | 0.5845% | 4,794 |
| Return on Equity (ROE) | 4.0279% | 4,932 |
| Retained earnings to average equity (ytd only) | 4.0279% | 3,638 |
| Net charge-offs to loans | 0.9536% | 1,639 |
| Credit loss provision to net charge-offs | 12.9668% | 5,214 |
| Earnings coverage of net charge-offs (x) | 1.0508% | 4,503 |
| Efficiency ratio | 82.8334% | 1,976 |
| Assets per employee ($millions) | 4.3019% | 3,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2122% | 1,898 |
| Loan loss allowance to noncurrent loans | 74.9914% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 3.2714% | 2,044 |
| Noncurrent loans to loans | 2.9499% | 2,457 |
| Net loans and leases to total assets | 63.2731% | 3,623 |
| Net loans and leases to deposits | 75.1192% | 3,631 |
| Net loans and leases to core deposits | 82.8631% | 3,381 |
| Total domestic deposits to total assets | 84.2302% | 4,249 |
| Equity capital to assets | 9.7886% | 4,400 |
| Core capital (leverage) ratio | 8.3587% | 5,772 |
| Tier 1 risk-based capital ratio | 11.7037% | 6,009 |
| Total risk-based capital ratio | 12.9634% | 6,008 |
| Memoranda: | ||
| Average total assets | $303,852,330 | 2,121 |
| Average earning assets | $277,685,330 | 2,121 |
| Average equity | $29,196,000 | 2,231 |
| Average total loans | $202,175,000 | 2,066 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8391% | 3,874 |
| Cost of funding earning assets | 1.1757% | 2,978 |
| Net interest margin | 3.6633% | 4,268 |
| Noninterest income to average assets | 0.6098% | 3,097 |
| Noninterest expense to average assets | 3.2007% | 2,895 |
| Loan and lease loss provision to assets | 0.0660% | 5,172 |
| Net operating income to assets | 0.4408% | 4,763 |
| Return on assets (ROA) | 0.4408% | 4,844 |
| Pretax return on assets | 0.6824% | 4,373 |
| Return on Equity (ROE) | 4.6317% | 4,588 |
| Retained earnings to average equity (ytd only) | 4.6317% | 3,410 |
| Net charge-offs to loans | 0.5243% | 2,175 |
| Credit loss provision to net charge-offs | 18.6567% | 4,267 |
| Earnings coverage of net charge-offs (x) | 2.1157% | 3,239 |
| Efficiency ratio | 81.0495% | 2,362 |
| Assets per employee ($millions) | 4.1293% | 3,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4500% | 1,533 |
| Loan loss allowance to noncurrent loans | 66.8317% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 4.2530% | 1,542 |
| Noncurrent loans to loans | 3.6659% | 2,020 |
| Net loans and leases to total assets | 65.9530% | 3,023 |
| Net loans and leases to deposits | 78.5298% | 2,970 |
| Net loans and leases to core deposits | 87.2829% | 2,703 |
| Total domestic deposits to total assets | 83.9847% | 4,492 |
| Equity capital to assets | 9.6551% | 4,243 |
| Core capital (leverage) ratio | 8.3469% | 5,718 |
| Tier 1 risk-based capital ratio | 11.2915% | 6,264 |
| Total risk-based capital ratio | 12.5540% | 6,237 |
| Memoranda: | ||
| Average total assets | $303,059,500 | 2,139 |
| Average earning assets | $276,251,000 | 2,144 |
| Average equity | $28,845,000 | 2,244 |
| Average total loans | $204,446,500 | 2,060 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1273% | 3,968 |
| Cost of funding earning assets | 1.6381% | 1,875 |
| Net interest margin | 3.4892% | 5,284 |
| Noninterest income to average assets | 0.5388% | 3,894 |
| Noninterest expense to average assets | 3.1001% | 3,455 |
| Loan and lease loss provision to assets | 0.2051% | 5,191 |
| Net operating income to assets | 0.7931% | 2,835 |
| Return on assets (ROA) | 0.9375% | 2,377 |
| Pretax return on assets | 0.5460% | 4,487 |
| Return on Equity (ROE) | 10.6403% | 1,712 |
| Retained earnings to average equity (ytd only) | 10.6403% | 420 |
| Net charge-offs to loans | 0.8872% | 2,417 |
| Credit loss provision to net charge-offs | 33.9791% | 6,460 |
| Earnings coverage of net charge-offs (x) | 1.0052% | 5,106 |
| Efficiency ratio | 83.6331% | 1,962 |
| Assets per employee ($millions) | 4.4157% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5408% | 1,366 |
| Loan loss allowance to noncurrent loans | 65.6628% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 4.4676% | 1,495 |
| Noncurrent loans to loans | 3.8694% | 1,897 |
| Net loans and leases to total assets | 65.6036% | 3,545 |
| Net loans and leases to deposits | 77.8570% | 3,533 |
| Net loans and leases to core deposits | 87.7388% | 3,090 |
| Total domestic deposits to total assets | 84.2617% | 4,238 |
| Equity capital to assets | 9.3822% | 4,566 |
| Core capital (leverage) ratio | 7.9698% | 6,246 |
| Tier 1 risk-based capital ratio | 11.0864% | 6,261 |
| Total risk-based capital ratio | 12.3500% | 6,224 |
| Memoranda: | ||
| Average total assets | $316,471,800 | 2,055 |
| Average earning assets | $287,342,000 | 2,067 |
| Average equity | $27,884,600 | 2,318 |
| Average total loans | $215,291,000 | 2,012 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1610% | 4,029 |
| Cost of funding earning assets | 1.6965% | 1,897 |
| Net interest margin | 3.4646% | 5,436 |
| Noninterest income to average assets | 0.5527% | 3,772 |
| Noninterest expense to average assets | 3.0417% | 3,601 |
| Loan and lease loss provision to assets | 0.2922% | 4,240 |
| Net operating income to assets | 0.9513% | 2,408 |
| Return on assets (ROA) | 1.1170% | 1,943 |
| Pretax return on assets | 0.5335% | 4,818 |
| Return on Equity (ROE) | 12.8762% | 1,287 |
| Retained earnings to average equity (ytd only) | 12.8762% | 359 |
| Net charge-offs to loans | 0.6176% | 2,897 |
| Credit loss provision to net charge-offs | 69.3756% | 5,437 |
| Earnings coverage of net charge-offs (x) | 1.5669% | 4,550 |
| Efficiency ratio | 82.1719% | 2,041 |
| Assets per employee ($millions) | 4.6512% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9315% | 873 |
| Loan loss allowance to noncurrent loans | 75.8990% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 4.4190% | 1,537 |
| Noncurrent loans to loans | 3.8624% | 1,974 |
| Net loans and leases to total assets | 65.4844% | 3,803 |
| Net loans and leases to deposits | 77.4848% | 3,923 |
| Net loans and leases to core deposits | 89.1876% | 3,213 |
| Total domestic deposits to total assets | 84.5126% | 3,861 |
| Equity capital to assets | 9.2112% | 5,296 |
| Core capital (leverage) ratio | 7.4147% | 6,917 |
| Tier 1 risk-based capital ratio | 10.3266% | 6,879 |
| Total risk-based capital ratio | 11.5948% | 6,867 |
| Memoranda: | ||
| Average total assets | $319,419,000 | 2,069 |
| Average earning assets | $290,322,250 | 2,077 |
| Average equity | $27,709,250 | 2,363 |
| Average total loans | $217,840,250 | 2,012 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2067% | 3,919 |
| Cost of funding earning assets | 1.7101% | 2,070 |
| Net interest margin | 3.4966% | 5,260 |
| Noninterest income to average assets | 0.5341% | 3,841 |
| Noninterest expense to average assets | 2.9980% | 3,720 |
| Loan and lease loss provision to assets | 0.4348% | 3,140 |
| Net operating income to assets | 1.2298% | 1,487 |
| Return on assets (ROA) | 1.4763% | 1,014 |
| Pretax return on assets | 0.5292% | 4,816 |
| Return on Equity (ROE) | 17.3647% | 531 |
| Retained earnings to average equity (ytd only) | 17.3647% | 143 |
| Net charge-offs to loans | 0.9538% | 1,933 |
| Credit loss provision to net charge-offs | 66.6032% | 5,064 |
| Earnings coverage of net charge-offs (x) | 1.0990% | 4,692 |
| Efficiency ratio | 80.6921% | 2,346 |
| Assets per employee ($millions) | 4.3673% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8454% | 960 |
| Loan loss allowance to noncurrent loans | 73.1390% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 4.2871% | 1,557 |
| Noncurrent loans to loans | 3.8904% | 1,964 |
| Net loans and leases to total assets | 65.5554% | 3,928 |
| Net loans and leases to deposits | 77.0298% | 4,154 |
| Net loans and leases to core deposits | 92.0328% | 2,982 |
| Total domestic deposits to total assets | 85.1039% | 3,573 |
| Equity capital to assets | 8.8449% | 5,677 |
| Core capital (leverage) ratio | 7.2340% | 7,047 |
| Tier 1 risk-based capital ratio | 9.9542% | 7,048 |
| Total risk-based capital ratio | 11.2217% | 7,021 |
| Memoranda: | ||
| Average total assets | $322,014,330 | 2,059 |
| Average earning assets | $292,970,330 | 2,074 |
| Average equity | $27,377,330 | 2,381 |
| Average total loans | $220,375,670 | 2,022 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 4,490 |
| Cost of funding earning assets | 1.7274% | 2,248 |
| Net interest margin | 3.3814% | 5,659 |
| Noninterest income to average assets | 0.6131% | 3,184 |
| Noninterest expense to average assets | 3.0827% | 3,338 |
| Loan and lease loss provision to assets | 0.3708% | 3,142 |
| Net operating income to assets | 2.2385% | 236 |
| Return on assets (ROA) | 2.7230% | 120 |
| Pretax return on assets | 0.7169% | 4,176 |
| Return on Equity (ROE) | 32.6776% | 66 |
| Retained earnings to average equity (ytd only) | 32.6776% | 49 |
| Net charge-offs to loans | 0.5543% | 2,420 |
| Credit loss provision to net charge-offs | 97.0874% | 3,505 |
| Earnings coverage of net charge-offs (x) | 1.5793% | 3,779 |
| Efficiency ratio | 83.6351% | 2,056 |
| Assets per employee ($millions) | 4.2734% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9174% | 883 |
| Loan loss allowance to noncurrent loans | 53.1934% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 5.5750% | 1,102 |
| Noncurrent loans to loans | 5.4846% | 1,280 |
| Net loans and leases to total assets | 67.1033% | 3,606 |
| Net loans and leases to deposits | 78.7256% | 3,899 |
| Net loans and leases to core deposits | 96.0803% | 2,579 |
| Total domestic deposits to total assets | 85.2370% | 3,546 |
| Equity capital to assets | 8.6970% | 5,736 |
| Core capital (leverage) ratio | 7.1631% | 7,137 |
| Tier 1 risk-based capital ratio | 9.5991% | 7,248 |
| Total risk-based capital ratio | 10.8672% | 7,233 |
| Memoranda: | ||
| Average total assets | $323,613,500 | 2,098 |
| Average earning assets | $294,081,000 | 2,122 |
| Average equity | $26,966,500 | 2,440 |
| Average total loans | $223,002,500 | 2,052 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4465% | 4,454 |
| Cost of funding earning assets | 2.3308% | 1,532 |
| Net interest margin | 3.1158% | 6,326 |
| Noninterest income to average assets | 0.0753% | 7,375 |
| Noninterest expense to average assets | 2.9832% | 4,217 |
| Loan and lease loss provision to assets | 2.1139% | 999 |
| Net operating income to assets | -2.1587% | 7,150 |
| Return on assets (ROA) | -2.1587% | 7,149 |
| Pretax return on assets | -2.1572% | 6,997 |
| Return on Equity (ROE) | -24.9804% | 7,287 |
| Retained earnings to average equity (ytd only) | -24.9804% | 7,260 |
| Net charge-offs to loans | 1.7380% | 1,440 |
| Credit loss provision to net charge-offs | 162.4795% | 2,713 |
| Earnings coverage of net charge-offs (x) | -0.0333% | 6,252 |
| Efficiency ratio | 101.4727% | 1,032 |
| Assets per employee ($millions) | 4.4152% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8832% | 853 |
| Loan loss allowance to noncurrent loans | 40.5997% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 6.3163% | 874 |
| Noncurrent loans to loans | 7.1015% | 781 |
| Net loans and leases to total assets | 66.7236% | 3,981 |
| Net loans and leases to deposits | 77.4804% | 4,475 |
| Net loans and leases to core deposits | 86.1294% | 5,509 |
| Total domestic deposits to total assets | 86.1167% | 2,953 |
| Equity capital to assets | 7.9758% | 6,607 |
| Core capital (leverage) ratio | 6.5192% | 7,484 |
| Tier 1 risk-based capital ratio | 9.0501% | 7,451 |
| Total risk-based capital ratio | 10.3176% | 7,463 |
| Memoranda: | ||
| Average total assets | $327,969,800 | 2,063 |
| Average earning assets | $301,531,800 | 2,063 |
| Average equity | $28,342,200 | 2,345 |
| Average total loans | $245,519,000 | 1,920 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5528% | 4,137 |
| Cost of funding earning assets | 2.4083% | 1,607 |
| Net interest margin | 3.1445% | 6,199 |
| Noninterest income to average assets | 0.0751% | 7,530 |
| Noninterest expense to average assets | 2.9141% | 4,393 |
| Loan and lease loss provision to assets | 2.2484% | 762 |
| Net operating income to assets | -2.1903% | 7,381 |
| Return on assets (ROA) | -2.1903% | 7,375 |
| Pretax return on assets | -2.1887% | 7,247 |
| Return on Equity (ROE) | -24.8694% | 7,502 |
| Retained earnings to average equity (ytd only) | -24.8694% | 7,480 |
| Net charge-offs to loans | 1.4195% | 1,454 |
| Credit loss provision to net charge-offs | 207.3408% | 2,137 |
| Earnings coverage of net charge-offs (x) | 0.0551% | 5,991 |
| Efficiency ratio | 97.9924% | 1,164 |
| Assets per employee ($millions) | 4.5548% | 2,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7827% | 806 |
| Loan loss allowance to noncurrent loans | 45.6674% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 5.5715% | 1,019 |
| Noncurrent loans to loans | 6.0934% | 959 |
| Net loans and leases to total assets | 70.1044% | 3,490 |
| Net loans and leases to deposits | 83.2426% | 3,790 |
| Net loans and leases to core deposits | 95.1983% | 4,910 |
| Total domestic deposits to total assets | 84.2170% | 3,618 |
| Equity capital to assets | 8.3911% | 6,397 |
| Core capital (leverage) ratio | 6.9738% | 7,453 |
| Tier 1 risk-based capital ratio | 9.1927% | 7,542 |
| Total risk-based capital ratio | 10.4594% | 7,533 |
| Memoranda: | ||
| Average total assets | $328,281,250 | 2,079 |
| Average earning assets | $302,612,750 | 2,071 |
| Average equity | $28,913,000 | 2,327 |
| Average total loans | $250,780,250 | 1,910 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6155% | 3,995 |
| Cost of funding earning assets | 2.4631% | 1,736 |
| Net interest margin | 3.1524% | 6,082 |
| Noninterest income to average assets | -0.0031% | 7,973 |
| Noninterest expense to average assets | 2.8990% | 4,502 |
| Loan and lease loss provision to assets | 2.5478% | 607 |
| Net operating income to assets | -2.5441% | 7,570 |
| Return on assets (ROA) | -2.5441% | 7,559 |
| Pretax return on assets | -2.5422% | 7,430 |
| Return on Equity (ROE) | -28.4301% | 7,690 |
| Retained earnings to average equity (ytd only) | -28.4301% | 7,665 |
| Net charge-offs to loans | 1.8888% | 997 |
| Credit loss provision to net charge-offs | 173.2834% | 2,655 |
| Earnings coverage of net charge-offs (x) | 0.0037% | 5,688 |
| Efficiency ratio | 99.8104% | 1,186 |
| Assets per employee ($millions) | 4.5297% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3233% | 1,076 |
| Loan loss allowance to noncurrent loans | 54.3069% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 4.1394% | 1,405 |
| Noncurrent loans to loans | 4.2781% | 1,538 |
| Net loans and leases to total assets | 69.8243% | 3,745 |
| Net loans and leases to deposits | 82.9191% | 4,057 |
| Net loans and leases to core deposits | 94.9150% | 5,013 |
| Total domestic deposits to total assets | 84.2078% | 3,641 |
| Equity capital to assets | 8.5779% | 5,934 |
| Core capital (leverage) ratio | 7.2949% | 7,249 |
| Tier 1 risk-based capital ratio | 9.5104% | 7,383 |
| Total risk-based capital ratio | 10.7698% | 7,329 |
| Memoranda: | ||
| Average total assets | $326,876,000 | 2,111 |
| Average earning assets | $301,486,000 | 2,105 |
| Average equity | $29,250,670 | 2,323 |
| Average total loans | $254,451,330 | 1,923 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8580% | 2,996 |
| Cost of funding earning assets | 2.4915% | 1,950 |
| Net interest margin | 3.3665% | 5,264 |
| Noninterest income to average assets | 0.1153% | 7,451 |
| Noninterest expense to average assets | 3.1012% | 3,374 |
| Loan and lease loss provision to assets | 3.3553% | 314 |
| Net operating income to assets | -3.2425% | 7,879 |
| Return on assets (ROA) | -3.2425% | 7,882 |
| Pretax return on assets | -3.2412% | 7,800 |
| Return on Equity (ROE) | -35.4718% | 7,947 |
| Retained earnings to average equity (ytd only) | -35.4718% | 7,917 |
| Net charge-offs to loans | 0.3773% | 2,587 |
| Credit loss provision to net charge-offs | 1,095.9514% | 574 |
| Earnings coverage of net charge-offs (x) | 0.3725% | 4,681 |
| Efficiency ratio | 96.4534% | 1,296 |
| Assets per employee ($millions) | 4.3566% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4847% | 779 |
| Loan loss allowance to noncurrent loans | 52.9670% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 4.5034% | 1,070 |
| Noncurrent loans to loans | 4.6910% | 1,195 |
| Net loans and leases to total assets | 74.2721% | 2,689 |
| Net loans and leases to deposits | 87.3595% | 3,406 |
| Net loans and leases to core deposits | 100.9764% | 4,439 |
| Total domestic deposits to total assets | 85.0189% | 3,194 |
| Equity capital to assets | 8.6224% | 5,882 |
| Core capital (leverage) ratio | 7.6425% | 6,968 |
| Tier 1 risk-based capital ratio | 9.0907% | 7,739 |
| Total risk-based capital ratio | 10.3539% | 7,744 |
| Memoranda: | ||
| Average total assets | $322,715,500 | 2,146 |
| Average earning assets | $297,167,500 | 2,138 |
| Average equity | $29,499,500 | 2,315 |
| Average total loans | $261,869,000 | 1,893 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8294% | 1,589 |
| Cost of funding earning assets | 2.9504% | 2,055 |
| Net interest margin | 3.8790% | 3,664 |
| Noninterest income to average assets | 0.3739% | 5,703 |
| Noninterest expense to average assets | 2.6316% | 5,527 |
| Loan and lease loss provision to assets | 1.4491% | 945 |
| Net operating income to assets | -0.1312% | 6,537 |
| Return on assets (ROA) | -0.1312% | 6,385 |
| Pretax return on assets | -0.1296% | 6,304 |
| Return on Equity (ROE) | -1.3166% | 6,407 |
| Retained earnings to average equity (ytd only) | -2.7918% | 6,053 |
| Net charge-offs to loans | 1.2232% | 985 |
| Credit loss provision to net charge-offs | 134.0489% | 3,968 |
| Earnings coverage of net charge-offs (x) | 1.2206% | 5,518 |
| Efficiency ratio | 66.6041% | 5,002 |
| Assets per employee ($millions) | 4.1359% | 3,241 |
| Cash dividends to net income (ytd only)* | -112.0393% | 8,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 3,185 |
| Loan loss allowance to noncurrent loans | 36.1753% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 4.4212% | 864 |
| Noncurrent loans to loans | 3.8744% | 1,278 |
| Net loans and leases to total assets | 85.1814% | 707 |
| Net loans and leases to deposits | 96.7567% | 2,324 |
| Net loans and leases to core deposits | 108.4659% | 3,912 |
| Total domestic deposits to total assets | 88.0367% | 1,459 |
| Equity capital to assets | 9.6874% | 4,440 |
| Core capital (leverage) ratio | 8.5190% | 5,542 |
| Tier 1 risk-based capital ratio | 9.3473% | 7,464 |
| Total risk-based capital ratio | 10.5985% | 7,392 |
| Memoranda: | ||
| Average total assets | $310,268,800 | 2,152 |
| Average earning assets | $286,131,600 | 2,128 |
| Average equity | $30,911,800 | 2,181 |
| Average total loans | $274,189,800 | 1,746 |