Home > Quantum National Bank > Performance and Condition Ratios
Quantum National Bank, Performance and Condition Ratios
| 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 | 5.2655% | 204 |
| Cost of funding earning assets | 0.3169% | 2,742 |
| Net interest margin | 4.9486% | 148 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.1198% | 3,236 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 3.0371% | 107 |
| Return on assets (ROA) | 3.0371% | 106 |
| Pretax return on assets | 3.0379% | 128 |
| Return on Equity (ROE) | 29.9900% | 120 |
| Retained earnings to average equity (ytd only) | 9.1802% | 1,430 |
| Net charge-offs to loans | -0.0002% | 3,274 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 40.8962% | 4,517 |
| Assets per employee ($millions) | 10.5332% | 574 |
| Cash dividends to net income (ytd only)* | 69.3937% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 3,201 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 86.4300% | 131 |
| Net loans and leases to deposits | 96.9671% | 588 |
| Net loans and leases to core deposits | 107.8830% | 677 |
| Total domestic deposits to total assets | 89.1400% | 1,682 |
| Equity capital to assets | 10.4311% | 1,485 |
| Core capital (leverage) ratio | 10.7881% | 1,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3706% | 1,824 |
| Memoranda: | ||
| Average total assets | $660,853,000 | 1,360 |
| Average earning assets | $639,615,200 | 1,318 |
| Average equity | $66,916,000 | 1,294 |
| Average total loans | $563,863,200 | 1,083 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9788% | 217 |
| Cost of funding earning assets | 0.2016% | 3,252 |
| Net interest margin | 4.7772% | 151 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.1679% | 3,012 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 2.7718% | 121 |
| Return on assets (ROA) | 2.7718% | 117 |
| Pretax return on assets | 2.7728% | 164 |
| Return on Equity (ROE) | 27.5800% | 123 |
| Retained earnings to average equity (ytd only) | 9.9063% | 1,371 |
| Net charge-offs to loans | -0.0002% | 3,113 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 43.5757% | 4,474 |
| Assets per employee ($millions) | 9.8423% | 687 |
| Cash dividends to net income (ytd only)* | 64.0848% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,324 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 86.5800% | 95 |
| Net loans and leases to deposits | 97.0290% | 496 |
| Net loans and leases to core deposits | 104.2190% | 646 |
| Total domestic deposits to total assets | 89.2300% | 1,988 |
| Equity capital to assets | 10.3005% | 1,469 |
| Core capital (leverage) ratio | 10.3466% | 2,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0687% | 2,034 |
| Memoranda: | ||
| Average total assets | $660,168,000 | 1,365 |
| Average earning assets | $639,019,000 | 1,324 |
| Average equity | $66,340,000 | 1,316 |
| Average total loans | $559,942,500 | 1,085 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6984% | 256 |
| Cost of funding earning assets | 0.1360% | 3,762 |
| Net interest margin | 4.5624% | 174 |
| Noninterest income to average assets | 0.3589% | 2,997 |
| Noninterest expense to average assets | 2.1868% | 2,901 |
| Loan and lease loss provision to assets | 0.0515% | 1,659 |
| Net operating income to assets | 2.5372% | 108 |
| Return on assets (ROA) | 2.5372% | 104 |
| Pretax return on assets | 2.5387% | 158 |
| Return on Equity (ROE) | 25.4605% | 102 |
| Retained earnings to average equity (ytd only) | 12.4932% | 529 |
| Net charge-offs to loans | -0.0004% | 2,975 |
| Credit loss provision to net charge-offs | -17,000.0000% | 3,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7779% | 4,462 |
| Assets per employee ($millions) | 9.4244% | 771 |
| Cash dividends to net income (ytd only)* | 50.9310% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 3,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 84.6549% | 157 |
| Net loans and leases to deposits | 94.7627% | 485 |
| Net loans and leases to core deposits | 100.1835% | 666 |
| Total domestic deposits to total assets | 89.3337% | 2,032 |
| Equity capital to assets | 10.2146% | 1,579 |
| Core capital (leverage) ratio | 10.1864% | 2,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2138% | 1,973 |
| Memoranda: | ||
| Average total assets | $660,413,333 | 1,373 |
| Average earning assets | $639,530,333 | 1,341 |
| Average equity | $65,811,667 | 1,352 |
| Average total loans | $554,284,000 | 1,086 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4590% | 343 |
| Cost of funding earning assets | 0.1207% | 3,890 |
| Net interest margin | 4.3383% | 221 |
| Noninterest income to average assets | 0.2664% | 3,531 |
| Noninterest expense to average assets | 2.1363% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.3306% | 142 |
| Return on assets (ROA) | 2.3306% | 141 |
| Pretax return on assets | 2.3306% | 222 |
| Return on Equity (ROE) | 23.6836% | 111 |
| Retained earnings to average equity (ytd only) | 14.2778% | 352 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8249% | 4,414 |
| Assets per employee ($millions) | 9.9928% | 681 |
| Cash dividends to net income (ytd only)* | 39.7143% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 3,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 79.7700% | 248 |
| Net loans and leases to deposits | 88.7346% | 578 |
| Net loans and leases to core deposits | 96.3086% | 639 |
| Total domestic deposits to total assets | 89.8974% | 1,622 |
| Equity capital to assets | 9.7023% | 2,129 |
| Core capital (leverage) ratio | 9.9982% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5649% | 1,967 |
| Memoranda: | ||
| Average total assets | $660,764,500 | 1,379 |
| Average earning assets | $639,788,500 | 1,345 |
| Average equity | $65,024,000 | 1,402 |
| Average total loans | $549,201,500 | 1,080 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9987% | 263 |
| Cost of funding earning assets | 0.1421% | 4,045 |
| Net interest margin | 4.8566% | 167 |
| Noninterest income to average assets | 0.8876% | 1,241 |
| Noninterest expense to average assets | 2.3658% | 2,596 |
| Loan and lease loss provision to assets | -0.1815% | 4,672 |
| Net operating income to assets | 3.3795% | 80 |
| Return on assets (ROA) | 3.3859% | 83 |
| Pretax return on assets | 3.4051% | 106 |
| Return on Equity (ROE) | 33.6541% | 48 |
| Retained earnings to average equity (ytd only) | 4.3031% | 3,086 |
| Net charge-offs to loans | -0.0144% | 3,857 |
| Credit loss provision to net charge-offs | 1,455.1282% | 398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3759% | 4,626 |
| Assets per employee ($millions) | 9.5824% | 764 |
| Cash dividends to net income (ytd only)* | 87.2136% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 84.8507% | 83 |
| Net loans and leases to deposits | 94.8105% | 353 |
| Net loans and leases to core deposits | 100.7990% | 503 |
| Total domestic deposits to total assets | 89.4951% | 1,241 |
| Equity capital to assets | 9.9872% | 2,667 |
| Core capital (leverage) ratio | 10.2369% | 2,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3218% | 2,118 |
| Memoranda: | ||
| Average total assets | $625,274,000 | 1,403 |
| Average earning assets | $604,519,800 | 1,366 |
| Average equity | $62,907,600 | 1,456 |
| Average total loans | $542,929,800 | 1,096 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 336 |
| Cost of funding earning assets | 0.1506% | 4,102 |
| Net interest margin | 4.7914% | 197 |
| Noninterest income to average assets | 0.7159% | 1,770 |
| Noninterest expense to average assets | 2.4136% | 2,398 |
| Loan and lease loss provision to assets | -0.1396% | 4,676 |
| Net operating income to assets | 3.0724% | 117 |
| Return on assets (ROA) | 3.0810% | 119 |
| Pretax return on assets | 3.0810% | 164 |
| Return on Equity (ROE) | 30.5657% | 84 |
| Retained earnings to average equity (ytd only) | 4.2765% | 3,487 |
| Net charge-offs to loans | -0.0192% | 3,946 |
| Credit loss provision to net charge-offs | 833.3333% | 571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1435% | 4,537 |
| Assets per employee ($millions) | 9.0310% | 885 |
| Cash dividends to net income (ytd only)* | 86.0089% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 3,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 86.5625% | 59 |
| Net loans and leases to deposits | 96.9598% | 314 |
| Net loans and leases to core deposits | 102.8541% | 498 |
| Total domestic deposits to total assets | 89.2767% | 1,134 |
| Equity capital to assets | 10.1927% | 2,724 |
| Core capital (leverage) ratio | 10.2566% | 2,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $621,087,000 | 1,430 |
| Average earning assets | $600,227,500 | 1,390 |
| Average equity | $62,604,500 | 1,482 |
| Average total loans | $541,022,250 | 1,118 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9818% | 351 |
| Cost of funding earning assets | 0.1642% | 4,092 |
| Net interest margin | 4.8176% | 215 |
| Noninterest income to average assets | 0.4455% | 2,872 |
| Noninterest expense to average assets | 2.3153% | 2,720 |
| Loan and lease loss provision to assets | -0.2095% | 4,768 |
| Net operating income to assets | 2.9945% | 131 |
| Return on assets (ROA) | 2.9945% | 138 |
| Pretax return on assets | 2.9945% | 193 |
| Return on Equity (ROE) | 29.8197% | 97 |
| Retained earnings to average equity (ytd only) | 3.3996% | 3,716 |
| Net charge-offs to loans | -0.0037% | 3,340 |
| Credit loss provision to net charge-offs | 6,500.0000% | 95 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3954% | 4,548 |
| Assets per employee ($millions) | 9.1779% | 805 |
| Cash dividends to net income (ytd only)* | 88.5994% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 3,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 86.7181% | 65 |
| Net loans and leases to deposits | 97.0680% | 350 |
| Net loans and leases to core deposits | 106.0237% | 469 |
| Total domestic deposits to total assets | 89.3374% | 1,118 |
| Equity capital to assets | 10.1849% | 2,686 |
| Core capital (leverage) ratio | 10.0224% | 2,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $620,403,000 | 1,422 |
| Average earning assets | $599,422,333 | 1,380 |
| Average equity | $62,301,000 | 1,477 |
| Average total loans | $539,466,333 | 1,124 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9237% | 400 |
| Cost of funding earning assets | 0.1867% | 4,030 |
| Net interest margin | 4.7370% | 258 |
| Noninterest income to average assets | 0.4134% | 3,018 |
| Noninterest expense to average assets | 2.2627% | 2,899 |
| Loan and lease loss provision to assets | -0.4172% | 4,900 |
| Net operating income to assets | 3.1440% | 135 |
| Return on assets (ROA) | 3.1440% | 149 |
| Pretax return on assets | 3.1440% | 205 |
| Return on Equity (ROE) | 31.5303% | 116 |
| Retained earnings to average equity (ytd only) | 6.7399% | 2,657 |
| Net charge-offs to loans | -0.0044% | 3,344 |
| Credit loss provision to net charge-offs | 10,833.3333% | 53 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3493% | 4,509 |
| Assets per employee ($millions) | 9.9706% | 597 |
| Cash dividends to net income (ytd only)* | 78.6239% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 3,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 83.9917% | 147 |
| Net loans and leases to deposits | 93.5819% | 514 |
| Net loans and leases to core deposits | 101.6306% | 642 |
| Total domestic deposits to total assets | 89.7521% | 930 |
| Equity capital to assets | 9.8150% | 2,883 |
| Core capital (leverage) ratio | 10.1894% | 2,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $623,145,500 | 1,406 |
| Average earning assets | $601,984,000 | 1,366 |
| Average equity | $62,137,000 | 1,475 |
| Average total loans | $539,468,500 | 1,127 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2695% | 286 |
| Cost of funding earning assets | 0.4096% | 3,524 |
| Net interest margin | 4.8599% | 156 |
| Noninterest income to average assets | 0.6038% | 2,206 |
| Noninterest expense to average assets | 2.3264% | 3,337 |
| Loan and lease loss provision to assets | 0.3982% | 796 |
| Net operating income to assets | 2.5731% | 129 |
| Return on assets (ROA) | 2.6073% | 129 |
| Pretax return on assets | 2.5952% | 171 |
| Return on Equity (ROE) | 25.7049% | 100 |
| Retained earnings to average equity (ytd only) | 7.7604% | 1,128 |
| Net charge-offs to loans | 0.0191% | 2,689 |
| Credit loss provision to net charge-offs | 2,401.0417% | 389 |
| Earnings coverage of net charge-offs (x) | 178.4167% | 508 |
| Efficiency ratio | 44.0133% | 4,786 |
| Assets per employee ($millions) | 9.6535% | 591 |
| Cash dividends to net income (ytd only)* | 69.8098% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 87.1300% | 66 |
| Net loans and leases to deposits | 103.7853% | 262 |
| Net loans and leases to core deposits | 113.6449% | 418 |
| Total domestic deposits to total assets | 83.9521% | 3,129 |
| Equity capital to assets | 10.1358% | 2,996 |
| Core capital (leverage) ratio | 10.8379% | 1,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $578,790,200 | 1,373 |
| Average earning assets | $557,585,200 | 1,325 |
| Average equity | $58,708,600 | 1,475 |
| Average total loans | $503,025,800 | 1,132 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5567% | 206 |
| Cost of funding earning assets | 0.4640% | 3,449 |
| Net interest margin | 5.0926% | 121 |
| Noninterest income to average assets | 0.4916% | 2,645 |
| Noninterest expense to average assets | 2.3411% | 3,311 |
| Loan and lease loss provision to assets | 0.6942% | 307 |
| Net operating income to assets | 2.3764% | 164 |
| Return on assets (ROA) | 2.4226% | 166 |
| Pretax return on assets | 2.4062% | 243 |
| Return on Equity (ROE) | 23.8787% | 135 |
| Retained earnings to average equity (ytd only) | 6.3198% | 1,965 |
| Net charge-offs to loans | -0.0019% | 3,875 |
| Credit loss provision to net charge-offs | -42,500.0000% | 4,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3921% | 4,819 |
| Assets per employee ($millions) | 10.8631% | 394 |
| Cash dividends to net income (ytd only)* | 73.5337% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 1,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 85.1802% | 200 |
| Net loans and leases to deposits | 112.2752% | 193 |
| Net loans and leases to core deposits | 124.5317% | 332 |
| Total domestic deposits to total assets | 75.8673% | 4,439 |
| Equity capital to assets | 9.1843% | 3,967 |
| Core capital (leverage) ratio | 10.7150% | 2,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $571,444,500 | 1,368 |
| Average earning assets | $550,245,000 | 1,325 |
| Average equity | $57,975,000 | 1,481 |
| Average total loans | $494,592,750 | 1,137 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7994% | 189 |
| Cost of funding earning assets | 0.5598% | 3,180 |
| Net interest margin | 5.2397% | 129 |
| Noninterest income to average assets | 0.3911% | 3,137 |
| Noninterest expense to average assets | 2.4114% | 3,231 |
| Loan and lease loss provision to assets | 0.8005% | 307 |
| Net operating income to assets | 2.2469% | 209 |
| Return on assets (ROA) | 2.3196% | 200 |
| Pretax return on assets | 2.2939% | 307 |
| Return on Equity (ROE) | 22.0312% | 164 |
| Retained earnings to average equity (ytd only) | 3.9968% | 2,910 |
| Net charge-offs to loans | -0.0017% | 3,799 |
| Credit loss provision to net charge-offs | -54,500.0000% | 4,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3836% | 4,796 |
| Assets per employee ($millions) | 9.8085% | 531 |
| Cash dividends to net income (ytd only)* | 81.8585% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 2,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 87.1793% | 90 |
| Net loans and leases to deposits | 108.3941% | 260 |
| Net loans and leases to core deposits | 120.4350% | 412 |
| Total domestic deposits to total assets | 80.4281% | 3,747 |
| Equity capital to assets | 9.5761% | 3,585 |
| Core capital (leverage) ratio | 10.6977% | 2,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $544,664,667 | 1,406 |
| Average earning assets | $524,118,667 | 1,365 |
| Average equity | $57,346,000 | 1,483 |
| Average total loans | $471,850,000 | 1,174 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5478% | 337 |
| Cost of funding earning assets | 0.6963% | 2,945 |
| Net interest margin | 4.8515% | 249 |
| Noninterest income to average assets | 0.4164% | 2,994 |
| Noninterest expense to average assets | 2.4713% | 3,355 |
| Loan and lease loss provision to assets | 0.3119% | 993 |
| Net operating income to assets | 2.3442% | 142 |
| Return on assets (ROA) | 2.4986% | 116 |
| Pretax return on assets | 2.4440% | 183 |
| Return on Equity (ROE) | 22.5231% | 100 |
| Retained earnings to average equity (ytd only) | 0.5835% | 3,849 |
| Net charge-offs to loans | -0.0009% | 3,602 |
| Credit loss provision to net charge-offs | -40,000.0000% | 4,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7164% | 4,724 |
| Assets per employee ($millions) | 8.6985% | 588 |
| Cash dividends to net income (ytd only)* | 97.4095% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 3,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 85.6150% | 161 |
| Net loans and leases to deposits | 96.7855% | 837 |
| Net loans and leases to core deposits | 110.4165% | 833 |
| Total domestic deposits to total assets | 88.4584% | 905 |
| Equity capital to assets | 11.0681% | 2,803 |
| Core capital (leverage) ratio | 11.3085% | 2,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $512,933,500 | 1,438 |
| Average earning assets | $492,302,500 | 1,399 |
| Average equity | $56,901,500 | 1,475 |
| Average total loans | $439,278,500 | 1,206 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0293% | 215 |
| Cost of funding earning assets | 0.8788% | 2,291 |
| Net interest margin | 5.1504% | 207 |
| Noninterest income to average assets | 0.4229% | 3,159 |
| Noninterest expense to average assets | 2.3281% | 3,878 |
| Loan and lease loss provision to assets | 0.0246% | 3,528 |
| Net operating income to assets | 3.0017% | 79 |
| Return on assets (ROA) | 3.0017% | 81 |
| Pretax return on assets | 3.0017% | 100 |
| Return on Equity (ROE) | 27.1315% | 53 |
| Retained earnings to average equity (ytd only) | 4.1327% | 2,899 |
| Net charge-offs to loans | -0.0039% | 4,304 |
| Credit loss provision to net charge-offs | -729.4118% | 4,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4808% | 4,996 |
| Assets per employee ($millions) | 8.9939% | 503 |
| Cash dividends to net income (ytd only)* | 84.7678% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 3,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 83.7744% | 340 |
| Net loans and leases to deposits | 94.9091% | 1,061 |
| Net loans and leases to core deposits | 108.9762% | 916 |
| Total domestic deposits to total assets | 88.2681% | 994 |
| Equity capital to assets | 11.1186% | 2,887 |
| Core capital (leverage) ratio | 11.5471% | 2,077 |
| Tier 1 risk-based capital ratio | 14.0225% | 3,263 |
| Total risk-based capital ratio | 15.1712% | 3,212 |
| Memoranda: | ||
| Average total assets | $504,355,000 | 1,415 |
| Average earning assets | $482,909,800 | 1,375 |
| Average equity | $55,798,600 | 1,447 |
| Average total loans | $432,342,600 | 1,192 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1135% | 201 |
| Cost of funding earning assets | 0.9039% | 2,213 |
| Net interest margin | 5.2096% | 196 |
| Noninterest income to average assets | 0.4935% | 2,772 |
| Noninterest expense to average assets | 2.3609% | 3,794 |
| Loan and lease loss provision to assets | 0.0563% | 2,780 |
| Net operating income to assets | 3.0622% | 77 |
| Return on assets (ROA) | 3.0622% | 81 |
| Pretax return on assets | 3.0622% | 108 |
| Return on Equity (ROE) | 27.7143% | 55 |
| Retained earnings to average equity (ytd only) | 4.8193% | 2,979 |
| Net charge-offs to loans | 0.0062% | 3,162 |
| Credit loss provision to net charge-offs | 1,060.0000% | 330 |
| Earnings coverage of net charge-offs (x) | 587.3120% | 169 |
| Efficiency ratio | 43.0869% | 5,044 |
| Assets per employee ($millions) | 8.8034% | 521 |
| Cash dividends to net income (ytd only)* | 82.6110% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,156 |
| Loan loss allowance to noncurrent loans | 2,992.9936% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 4,576 |
| Noncurrent loans to loans | 0.0359% | 4,498 |
| Net loans and leases to total assets | 84.8038% | 270 |
| Net loans and leases to deposits | 97.4694% | 876 |
| Net loans and leases to core deposits | 111.0488% | 896 |
| Total domestic deposits to total assets | 87.0056% | 1,511 |
| Equity capital to assets | 11.1194% | 2,991 |
| Core capital (leverage) ratio | 11.2739% | 2,403 |
| Tier 1 risk-based capital ratio | 13.7400% | 3,455 |
| Total risk-based capital ratio | 14.8840% | 3,414 |
| Memoranda: | ||
| Average total assets | $502,280,500 | 1,426 |
| Average earning assets | $480,718,250 | 1,384 |
| Average equity | $55,498,250 | 1,453 |
| Average total loans | $431,898,250 | 1,202 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1100% | 199 |
| Cost of funding earning assets | 0.8938% | 2,178 |
| Net interest margin | 5.2162% | 191 |
| Noninterest income to average assets | 0.5381% | 2,454 |
| Noninterest expense to average assets | 2.3863% | 3,768 |
| Loan and lease loss provision to assets | 0.0849% | 2,143 |
| Net operating income to assets | 3.0606% | 81 |
| Return on assets (ROA) | 3.0606% | 86 |
| Pretax return on assets | 3.0606% | 114 |
| Return on Equity (ROE) | 27.7597% | 56 |
| Retained earnings to average equity (ytd only) | 5.6798% | 2,430 |
| Net charge-offs to loans | -0.0037% | 4,066 |
| Credit loss provision to net charge-offs | -2,650.0000% | 4,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1384% | 5,093 |
| Assets per employee ($millions) | 8.7973% | 510 |
| Cash dividends to net income (ytd only)* | 79.5395% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,235 |
| Loan loss allowance to noncurrent loans | 2,655.6180% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 4,592 |
| Noncurrent loans to loans | 0.0403% | 4,508 |
| Net loans and leases to total assets | 85.6554% | 240 |
| Net loans and leases to deposits | 96.9035% | 944 |
| Net loans and leases to core deposits | 112.2341% | 856 |
| Total domestic deposits to total assets | 88.3925% | 926 |
| Equity capital to assets | 11.0155% | 3,031 |
| Core capital (leverage) ratio | 11.3238% | 2,315 |
| Tier 1 risk-based capital ratio | 13.2938% | 3,695 |
| Total risk-based capital ratio | 14.4160% | 3,661 |
| Memoranda: | ||
| Average total assets | $499,508,670 | 1,432 |
| Average earning assets | $478,199,000 | 1,389 |
| Average equity | $55,072,670 | 1,449 |
| Average total loans | $429,963,000 | 1,210 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0592% | 204 |
| Cost of funding earning assets | 0.8656% | 2,180 |
| Net interest margin | 5.1936% | 203 |
| Noninterest income to average assets | 0.4954% | 2,580 |
| Noninterest expense to average assets | 2.4503% | 3,631 |
| Loan and lease loss provision to assets | 0.0437% | 2,762 |
| Net operating income to assets | 2.9700% | 85 |
| Return on assets (ROA) | 2.9700% | 92 |
| Pretax return on assets | 2.9700% | 132 |
| Return on Equity (ROE) | 26.9255% | 76 |
| Retained earnings to average equity (ytd only) | 4.6894% | 3,041 |
| Net charge-offs to loans | -0.0075% | 4,127 |
| Credit loss provision to net charge-offs | -675.0000% | 3,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8444% | 5,076 |
| Assets per employee ($millions) | 8.5940% | 542 |
| Cash dividends to net income (ytd only)* | 82.5838% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 3,298 |
| Loan loss allowance to noncurrent loans | 830.5455% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 4,256 |
| Noncurrent loans to loans | 0.1288% | 4,159 |
| Net loans and leases to total assets | 84.7426% | 304 |
| Net loans and leases to deposits | 95.8971% | 977 |
| Net loans and leases to core deposits | 108.8127% | 1,000 |
| Total domestic deposits to total assets | 88.3682% | 1,149 |
| Equity capital to assets | 11.0326% | 2,817 |
| Core capital (leverage) ratio | 11.5216% | 2,122 |
| Tier 1 risk-based capital ratio | 13.4314% | 3,643 |
| Total risk-based capital ratio | 14.5455% | 3,627 |
| Memoranda: | ||
| Average total assets | $494,140,000 | 1,453 |
| Average earning assets | $472,733,500 | 1,412 |
| Average equity | $54,506,000 | 1,458 |
| Average total loans | $424,054,500 | 1,223 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7794% | 245 |
| Cost of funding earning assets | 0.6863% | 2,171 |
| Net interest margin | 5.0931% | 224 |
| Noninterest income to average assets | 0.5849% | 2,376 |
| Noninterest expense to average assets | 2.3843% | 3,925 |
| Loan and lease loss provision to assets | 0.0473% | 3,240 |
| Net operating income to assets | 2.7922% | 102 |
| Return on assets (ROA) | 2.7922% | 102 |
| Pretax return on assets | 3.0231% | 95 |
| Return on Equity (ROE) | 24.8657% | 96 |
| Retained earnings to average equity (ytd only) | 10.3714% | 553 |
| Net charge-offs to loans | -0.0055% | 4,373 |
| Credit loss provision to net charge-offs | -1,004.5455% | 4,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7100% | 5,192 |
| Assets per employee ($millions) | 8.7469% | 505 |
| Cash dividends to net income (ytd only)* | 58.2905% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,270 |
| Loan loss allowance to noncurrent loans | 934.8548% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 4,336 |
| Noncurrent loans to loans | 0.1145% | 4,214 |
| Net loans and leases to total assets | 85.0572% | 308 |
| Net loans and leases to deposits | 96.7930% | 995 |
| Net loans and leases to core deposits | 113.5487% | 798 |
| Total domestic deposits to total assets | 87.8753% | 1,355 |
| Equity capital to assets | 11.0284% | 2,656 |
| Core capital (leverage) ratio | 11.6883% | 1,960 |
| Tier 1 risk-based capital ratio | 13.4825% | 3,554 |
| Total risk-based capital ratio | 14.5986% | 3,527 |
| Memoranda: | ||
| Average total assets | $466,767,000 | 1,498 |
| Average earning assets | $446,308,400 | 1,463 |
| Average equity | $52,413,600 | 1,456 |
| Average total loans | $401,140,200 | 1,258 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7362% | 245 |
| Cost of funding earning assets | 0.6455% | 2,174 |
| Net interest margin | 5.0907% | 217 |
| Noninterest income to average assets | 0.7080% | 1,839 |
| Noninterest expense to average assets | 2.3727% | 3,920 |
| Loan and lease loss provision to assets | 0.0451% | 3,089 |
| Net operating income to assets | 2.8436% | 97 |
| Return on assets (ROA) | 2.8436% | 96 |
| Pretax return on assets | 3.1554% | 99 |
| Return on Equity (ROE) | 25.2038% | 82 |
| Retained earnings to average equity (ytd only) | 15.6114% | 156 |
| Net charge-offs to loans | -0.0077% | 4,327 |
| Credit loss provision to net charge-offs | -678.2609% | 4,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5739% | 5,259 |
| Assets per employee ($millions) | 8.2612% | 579 |
| Cash dividends to net income (ytd only)* | 38.0594% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 3,188 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 84.8178% | 375 |
| Net loans and leases to deposits | 96.7021% | 1,074 |
| Net loans and leases to core deposits | 108.9252% | 1,102 |
| Total domestic deposits to total assets | 87.7104% | 1,389 |
| Equity capital to assets | 11.5548% | 2,223 |
| Core capital (leverage) ratio | 11.8336% | 1,892 |
| Tier 1 risk-based capital ratio | 14.1609% | 3,293 |
| Total risk-based capital ratio | 15.3030% | 3,254 |
| Memoranda: | ||
| Average total assets | $461,001,750 | 1,519 |
| Average earning assets | $440,581,250 | 1,480 |
| Average equity | $52,012,000 | 1,468 |
| Average total loans | $396,140,250 | 1,268 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6411% | 260 |
| Cost of funding earning assets | 0.6056% | 2,189 |
| Net interest margin | 5.0355% | 234 |
| Noninterest income to average assets | 0.7664% | 1,586 |
| Noninterest expense to average assets | 2.3543% | 4,013 |
| Loan and lease loss provision to assets | 0.0669% | 2,558 |
| Net operating income to assets | 2.6847% | 113 |
| Return on assets (ROA) | 2.6847% | 113 |
| Pretax return on assets | 3.1557% | 96 |
| Return on Equity (ROE) | 23.9941% | 105 |
| Retained earnings to average equity (ytd only) | 22.5491% | 41 |
| Net charge-offs to loans | -0.0102% | 4,324 |
| Credit loss provision to net charge-offs | -765.0000% | 4,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2158% | 5,335 |
| Assets per employee ($millions) | 8.5499% | 513 |
| Cash dividends to net income (ytd only)* | 6.0221% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 84.8309% | 372 |
| Net loans and leases to deposits | 96.7130% | 1,074 |
| Net loans and leases to core deposits | 109.6155% | 1,026 |
| Total domestic deposits to total assets | 87.7141% | 1,529 |
| Equity capital to assets | 11.5255% | 2,181 |
| Core capital (leverage) ratio | 11.9946% | 1,719 |
| Tier 1 risk-based capital ratio | 14.0561% | 3,330 |
| Total risk-based capital ratio | 15.1948% | 3,308 |
| Memoranda: | ||
| Average total assets | $457,706,670 | 1,537 |
| Average earning assets | $437,253,670 | 1,498 |
| Average equity | $51,212,670 | 1,483 |
| Average total loans | $393,574,000 | 1,273 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5042% | 273 |
| Cost of funding earning assets | 0.5914% | 2,111 |
| Net interest margin | 4.9128% | 270 |
| Noninterest income to average assets | 0.8152% | 1,400 |
| Noninterest expense to average assets | 2.3826% | 3,996 |
| Loan and lease loss provision to assets | 0.0673% | 2,417 |
| Net operating income to assets | 2.1062% | 289 |
| Return on assets (ROA) | 2.1062% | 290 |
| Pretax return on assets | 3.0613% | 108 |
| Return on Equity (ROE) | 19.1231% | 308 |
| Retained earnings to average equity (ytd only) | 17.9163% | 159 |
| Net charge-offs to loans | -0.0165% | 4,458 |
| Credit loss provision to net charge-offs | -475.0000% | 3,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2315% | 5,366 |
| Assets per employee ($millions) | 8.6847% | 494 |
| Cash dividends to net income (ytd only)* | 6.3105% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 3,312 |
| Loan loss allowance to noncurrent loans | 16,753.8462% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 5,107 |
| Noncurrent loans to loans | 0.0066% | 4,986 |
| Net loans and leases to total assets | 84.3089% | 405 |
| Net loans and leases to deposits | 95.7185% | 1,063 |
| Net loans and leases to core deposits | 114.1580% | 800 |
| Total domestic deposits to total assets | 88.0800% | 1,574 |
| Equity capital to assets | 11.0133% | 2,561 |
| Core capital (leverage) ratio | 11.3637% | 2,110 |
| Tier 1 risk-based capital ratio | 13.7129% | 3,537 |
| Total risk-based capital ratio | 14.8791% | 3,501 |
| Memoranda: | ||
| Average total assets | $451,437,000 | 1,566 |
| Average earning assets | $431,523,000 | 1,521 |
| Average equity | $49,720,000 | 1,543 |
| Average total loans | $388,685,500 | 1,289 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4526% | 288 |
| Cost of funding earning assets | 0.4929% | 2,400 |
| Net interest margin | 4.9597% | 248 |
| Noninterest income to average assets | 0.5233% | 2,857 |
| Noninterest expense to average assets | 2.3952% | 4,092 |
| Loan and lease loss provision to assets | -0.0494% | 5,395 |
| Net operating income to assets | 1.8192% | 398 |
| Return on assets (ROA) | 1.8192% | 408 |
| Pretax return on assets | 2.8893% | 108 |
| Return on Equity (ROE) | 16.1852% | 459 |
| Retained earnings to average equity (ytd only) | 8.1908% | 694 |
| Net charge-offs to loans | -0.0215% | 4,977 |
| Credit loss provision to net charge-offs | 266.6667% | 1,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7521% | 5,400 |
| Assets per employee ($millions) | 8.5113% | 532 |
| Cash dividends to net income (ytd only)* | 49.3933% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 3,312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 86.0143% | 252 |
| Net loans and leases to deposits | 97.3241% | 960 |
| Net loans and leases to core deposits | 116.7203% | 699 |
| Total domestic deposits to total assets | 88.3792% | 1,311 |
| Equity capital to assets | 11.0141% | 2,612 |
| Core capital (leverage) ratio | 11.3416% | 2,067 |
| Tier 1 risk-based capital ratio | 13.0953% | 3,849 |
| Total risk-based capital ratio | 14.2392% | 3,807 |
| Memoranda: | ||
| Average total assets | $421,344,600 | 1,630 |
| Average earning assets | $400,288,000 | 1,595 |
| Average equity | $47,358,200 | 1,585 |
| Average total loans | $363,094,600 | 1,336 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4118% | 293 |
| Cost of funding earning assets | 0.4704% | 2,520 |
| Net interest margin | 4.9414% | 255 |
| Noninterest income to average assets | 0.6243% | 2,341 |
| Noninterest expense to average assets | 2.3911% | 4,040 |
| Loan and lease loss provision to assets | -0.0667% | 5,544 |
| Net operating income to assets | 1.9078% | 381 |
| Return on assets (ROA) | 1.9078% | 384 |
| Pretax return on assets | 2.9897% | 112 |
| Return on Equity (ROE) | 16.8836% | 443 |
| Retained earnings to average equity (ytd only) | 6.5004% | 1,959 |
| Net charge-offs to loans | -0.0227% | 4,890 |
| Credit loss provision to net charge-offs | 340.9836% | 882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9946% | 5,450 |
| Assets per employee ($millions) | 8.7146% | 481 |
| Cash dividends to net income (ytd only)* | 61.4984% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 3,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 85.4687% | 296 |
| Net loans and leases to deposits | 96.7975% | 1,028 |
| Net loans and leases to core deposits | 114.5171% | 808 |
| Total domestic deposits to total assets | 88.2964% | 1,215 |
| Equity capital to assets | 10.8561% | 3,011 |
| Core capital (leverage) ratio | 11.3413% | 2,149 |
| Tier 1 risk-based capital ratio | 13.0216% | 3,993 |
| Total risk-based capital ratio | 14.1925% | 3,957 |
| Memoranda: | ||
| Average total assets | $416,034,000 | 1,661 |
| Average earning assets | $394,858,500 | 1,625 |
| Average equity | $47,011,000 | 1,612 |
| Average total loans | $357,630,250 | 1,365 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3391% | 310 |
| Cost of funding earning assets | 0.4489% | 2,613 |
| Net interest margin | 4.8902% | 270 |
| Noninterest income to average assets | 0.8343% | 1,455 |
| Noninterest expense to average assets | 2.3919% | 4,070 |
| Loan and lease loss provision to assets | -0.1016% | 5,646 |
| Net operating income to assets | 2.0309% | 289 |
| Return on assets (ROA) | 2.0309% | 297 |
| Pretax return on assets | 3.1890% | 105 |
| Return on Equity (ROE) | 17.7262% | 352 |
| Retained earnings to average equity (ytd only) | 15.3345% | 125 |
| Net charge-offs to loans | -0.0279% | 4,925 |
| Credit loss provision to net charge-offs | 424.4898% | 750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6531% | 5,538 |
| Assets per employee ($millions) | 7.9520% | 634 |
| Cash dividends to net income (ytd only)* | 13.4921% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 3,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 84.3452% | 405 |
| Net loans and leases to deposits | 96.4866% | 1,032 |
| Net loans and leases to core deposits | 108.4528% | 1,080 |
| Total domestic deposits to total assets | 87.4165% | 1,757 |
| Equity capital to assets | 11.7704% | 2,100 |
| Core capital (leverage) ratio | 12.0178% | 1,624 |
| Tier 1 risk-based capital ratio | 14.3586% | 3,238 |
| Total risk-based capital ratio | 15.5680% | 3,181 |
| Memoranda: | ||
| Average total assets | $409,469,000 | 1,681 |
| Average earning assets | $388,942,670 | 1,648 |
| Average equity | $46,913,670 | 1,618 |
| Average total loans | $351,287,330 | 1,389 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1779% | 391 |
| Cost of funding earning assets | 0.4228% | 2,790 |
| Net interest margin | 4.7551% | 337 |
| Noninterest income to average assets | 1.2851% | 615 |
| Noninterest expense to average assets | 2.4935% | 3,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.1028% | 260 |
| Return on assets (ROA) | 2.1028% | 267 |
| Pretax return on assets | 3.3074% | 108 |
| Return on Equity (ROE) | 18.6119% | 303 |
| Retained earnings to average equity (ytd only) | 16.9523% | 168 |
| Net charge-offs to loans | -0.0137% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9853% | 5,626 |
| Assets per employee ($millions) | 8.0516% | 605 |
| Cash dividends to net income (ytd only)* | 8.9169% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,869 |
| Loan loss allowance to noncurrent loans | 734.3333% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 4,677 |
| Noncurrent loans to loans | 0.1694% | 4,512 |
| Net loans and leases to total assets | 85.1980% | 270 |
| Net loans and leases to deposits | 96.6124% | 882 |
| Net loans and leases to core deposits | 111.4047% | 805 |
| Total domestic deposits to total assets | 88.1853% | 1,600 |
| Equity capital to assets | 11.4479% | 2,217 |
| Core capital (leverage) ratio | 11.9040% | 1,687 |
| Tier 1 risk-based capital ratio | 13.7725% | 3,617 |
| Total risk-based capital ratio | 15.0235% | 3,521 |
| Memoranda: | ||
| Average total assets | $407,452,500 | 1,702 |
| Average earning assets | $386,949,500 | 1,667 |
| Average equity | $46,035,000 | 1,643 |
| Average total loans | $350,429,000 | 1,398 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1936% | 421 |
| Cost of funding earning assets | 0.4245% | 2,764 |
| Net interest margin | 4.7692% | 372 |
| Noninterest income to average assets | 1.0092% | 1,121 |
| Noninterest expense to average assets | 2.4362% | 4,196 |
| Loan and lease loss provision to assets | 0.0192% | 3,991 |
| Net operating income to assets | 1.9761% | 336 |
| Return on assets (ROA) | 1.9904% | 340 |
| Pretax return on assets | 3.0841% | 108 |
| Return on Equity (ROE) | 18.4294% | 296 |
| Retained earnings to average equity (ytd only) | 12.6917% | 186 |
| Net charge-offs to loans | -0.0093% | 4,925 |
| Credit loss provision to net charge-offs | -241.9355% | 5,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1546% | 5,691 |
| Assets per employee ($millions) | 7.9269% | 630 |
| Cash dividends to net income (ytd only)* | 31.1334% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 2,719 |
| Loan loss allowance to noncurrent loans | 2,454.7486% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 5,060 |
| Noncurrent loans to loans | 0.0516% | 5,038 |
| Net loans and leases to total assets | 84.6477% | 325 |
| Net loans and leases to deposits | 97.3670% | 877 |
| Net loans and leases to core deposits | 110.3356% | 880 |
| Total domestic deposits to total assets | 86.9368% | 2,184 |
| Equity capital to assets | 11.1462% | 2,481 |
| Core capital (leverage) ratio | 11.6564% | 1,823 |
| Tier 1 risk-based capital ratio | 13.4016% | 3,833 |
| Total risk-based capital ratio | 14.6527% | 3,731 |
| Memoranda: | ||
| Average total assets | $390,520,200 | 1,721 |
| Average earning assets | $369,163,600 | 1,692 |
| Average equity | $42,177,200 | 1,754 |
| Average total loans | $332,477,600 | 1,406 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2490% | 396 |
| Cost of funding earning assets | 0.4281% | 2,751 |
| Net interest margin | 4.8209% | 349 |
| Noninterest income to average assets | 1.1177% | 918 |
| Noninterest expense to average assets | 2.4170% | 4,231 |
| Loan and lease loss provision to assets | 0.0258% | 3,726 |
| Net operating income to assets | 2.0770% | 304 |
| Return on assets (ROA) | 2.0801% | 314 |
| Pretax return on assets | 3.2333% | 104 |
| Return on Equity (ROE) | 19.4224% | 271 |
| Retained earnings to average equity (ytd only) | 12.5076% | 250 |
| Net charge-offs to loans | -0.0170% | 4,957 |
| Credit loss provision to net charge-offs | -178.5714% | 4,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6177% | 5,771 |
| Assets per employee ($millions) | 7.6707% | 675 |
| Cash dividends to net income (ytd only)* | 35.6020% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 2,591 |
| Loan loss allowance to noncurrent loans | 2,355.6150% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 5,148 |
| Noncurrent loans to loans | 0.0559% | 5,131 |
| Net loans and leases to total assets | 84.4235% | 374 |
| Net loans and leases to deposits | 97.3897% | 913 |
| Net loans and leases to core deposits | 109.7910% | 931 |
| Total domestic deposits to total assets | 86.6863% | 2,040 |
| Equity capital to assets | 11.1629% | 2,838 |
| Core capital (leverage) ratio | 11.2376% | 2,243 |
| Tier 1 risk-based capital ratio | 13.2686% | 3,995 |
| Total risk-based capital ratio | 14.5204% | 3,906 |
| Memoranda: | ||
| Average total assets | $387,082,250 | 1,735 |
| Average earning assets | $365,624,000 | 1,705 |
| Average equity | $41,456,250 | 1,800 |
| Average total loans | $328,946,750 | 1,419 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2651% | 383 |
| Cost of funding earning assets | 0.4225% | 2,811 |
| Net interest margin | 4.8426% | 345 |
| Noninterest income to average assets | 1.2678% | 709 |
| Noninterest expense to average assets | 2.4169% | 4,283 |
| Loan and lease loss provision to assets | 0.0389% | 3,379 |
| Net operating income to assets | 2.1809% | 231 |
| Return on assets (ROA) | 2.1856% | 245 |
| Pretax return on assets | 3.3896% | 97 |
| Return on Equity (ROE) | 20.7032% | 210 |
| Retained earnings to average equity (ytd only) | 10.3884% | 530 |
| Net charge-offs to loans | -0.0214% | 4,972 |
| Credit loss provision to net charge-offs | -214.2857% | 4,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3980% | 5,875 |
| Assets per employee ($millions) | 7.6973% | 644 |
| Cash dividends to net income (ytd only)* | 49.8221% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 2,573 |
| Loan loss allowance to noncurrent loans | 1,587.7256% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 5,148 |
| Noncurrent loans to loans | 0.0844% | 5,113 |
| Net loans and leases to total assets | 80.9280% | 767 |
| Net loans and leases to deposits | 91.9415% | 1,527 |
| Net loans and leases to core deposits | 107.1465% | 1,088 |
| Total domestic deposits to total assets | 88.0212% | 1,423 |
| Equity capital to assets | 10.4628% | 3,681 |
| Core capital (leverage) ratio | 10.8037% | 2,646 |
| Tier 1 risk-based capital ratio | 13.0017% | 4,196 |
| Total risk-based capital ratio | 14.2541% | 4,109 |
| Memoranda: | ||
| Average total assets | $385,708,000 | 1,737 |
| Average earning assets | $364,019,330 | 1,711 |
| Average equity | $40,718,330 | 1,826 |
| Average total loans | $327,037,670 | 1,426 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2952% | 360 |
| Cost of funding earning assets | 0.4109% | 2,951 |
| Net interest margin | 4.8843% | 322 |
| Noninterest income to average assets | 0.7018% | 2,035 |
| Noninterest expense to average assets | 2.6234% | 3,677 |
| Loan and lease loss provision to assets | 0.0793% | 2,376 |
| Net operating income to assets | 1.6330% | 661 |
| Return on assets (ROA) | 1.6330% | 701 |
| Pretax return on assets | 2.5981% | 206 |
| Return on Equity (ROE) | 15.3967% | 612 |
| Retained earnings to average equity (ytd only) | 8.4208% | 1,292 |
| Net charge-offs to loans | -0.0147% | 4,705 |
| Credit loss provision to net charge-offs | -625.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4915% | 5,654 |
| Assets per employee ($millions) | 7.5030% | 703 |
| Cash dividends to net income (ytd only)* | 45.3074% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 2,895 |
| Loan loss allowance to noncurrent loans | 2,044.3925% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 4,621 |
| Noncurrent loans to loans | 0.0636% | 5,226 |
| Net loans and leases to total assets | 85.1447% | 281 |
| Net loans and leases to deposits | 97.0400% | 842 |
| Net loans and leases to core deposits | 111.5387% | 780 |
| Total domestic deposits to total assets | 87.7419% | 1,784 |
| Equity capital to assets | 10.4048% | 3,609 |
| Core capital (leverage) ratio | 10.8934% | 2,520 |
| Tier 1 risk-based capital ratio | 12.3395% | 4,700 |
| Total risk-based capital ratio | 13.5915% | 4,593 |
| Memoranda: | ||
| Average total assets | $378,433,500 | 1,767 |
| Average earning assets | $356,323,500 | 1,746 |
| Average equity | $40,138,500 | 1,841 |
| Average total loans | $326,397,500 | 1,418 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2760% | 380 |
| Cost of funding earning assets | 0.4456% | 2,674 |
| Net interest margin | 4.8305% | 345 |
| Noninterest income to average assets | 0.4984% | 3,337 |
| Noninterest expense to average assets | 2.8421% | 3,064 |
| Loan and lease loss provision to assets | 0.1120% | 2,125 |
| Net operating income to assets | 1.4422% | 960 |
| Return on assets (ROA) | 1.4422% | 994 |
| Pretax return on assets | 2.0544% | 483 |
| Return on Equity (ROE) | 13.6125% | 929 |
| Retained earnings to average equity (ytd only) | 6.5399% | 1,517 |
| Net charge-offs to loans | 0.0300% | 3,620 |
| Credit loss provision to net charge-offs | 436.2637% | 704 |
| Earnings coverage of net charge-offs (x) | 84.3516% | 668 |
| Efficiency ratio | 56.7452% | 5,276 |
| Assets per employee ($millions) | 7.1904% | 824 |
| Cash dividends to net income (ytd only)* | 51.9569% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 2,639 |
| Loan loss allowance to noncurrent loans | 1,914.2857% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.3575% | 4,156 |
| Noncurrent loans to loans | 0.0708% | 5,228 |
| Net loans and leases to total assets | 85.0629% | 304 |
| Net loans and leases to deposits | 97.6683% | 846 |
| Net loans and leases to core deposits | 114.4557% | 659 |
| Total domestic deposits to total assets | 87.0936% | 2,078 |
| Equity capital to assets | 10.8211% | 3,003 |
| Core capital (leverage) ratio | 10.9842% | 2,421 |
| Tier 1 risk-based capital ratio | 12.8069% | 4,449 |
| Total risk-based capital ratio | 14.0593% | 4,346 |
| Memoranda: | ||
| Average total assets | $354,309,600 | 1,845 |
| Average earning assets | $330,816,600 | 1,834 |
| Average equity | $37,539,000 | 1,905 |
| Average total loans | $302,998,600 | 1,461 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2503% | 405 |
| Cost of funding earning assets | 0.4468% | 2,719 |
| Net interest margin | 4.8035% | 375 |
| Noninterest income to average assets | 0.5527% | 3,036 |
| Noninterest expense to average assets | 2.8898% | 2,882 |
| Loan and lease loss provision to assets | 0.1507% | 1,446 |
| Net operating income to assets | 1.4065% | 1,093 |
| Return on assets (ROA) | 1.4065% | 1,137 |
| Pretax return on assets | 1.9893% | 608 |
| Return on Equity (ROE) | 13.3499% | 1,048 |
| Retained earnings to average equity (ytd only) | 3.7834% | 3,776 |
| Net charge-offs to loans | 0.0454% | 2,996 |
| Credit loss provision to net charge-offs | 389.2157% | 778 |
| Earnings coverage of net charge-offs (x) | 55.2633% | 974 |
| Efficiency ratio | 57.4534% | 5,185 |
| Assets per employee ($millions) | 7.3108% | 751 |
| Cash dividends to net income (ytd only)* | 71.6598% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 2,824 |
| Loan loss allowance to noncurrent loans | 799.4393% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.4104% | 4,129 |
| Noncurrent loans to loans | 0.1695% | 4,977 |
| Net loans and leases to total assets | 85.1918% | 288 |
| Net loans and leases to deposits | 97.9366% | 822 |
| Net loans and leases to core deposits | 114.7412% | 644 |
| Total domestic deposits to total assets | 86.9867% | 2,046 |
| Equity capital to assets | 10.4831% | 3,618 |
| Core capital (leverage) ratio | 10.6419% | 2,886 |
| Tier 1 risk-based capital ratio | 12.3549% | 4,855 |
| Total risk-based capital ratio | 13.6075% | 4,758 |
| Memoranda: | ||
| Average total assets | $351,209,500 | 1,875 |
| Average earning assets | $327,336,500 | 1,868 |
| Average equity | $37,003,250 | 1,943 |
| Average total loans | $299,692,750 | 1,479 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1627% | 453 |
| Cost of funding earning assets | 0.4478% | 2,756 |
| Net interest margin | 4.7149% | 432 |
| Noninterest income to average assets | 0.7303% | 2,089 |
| Noninterest expense to average assets | 2.9108% | 2,863 |
| Loan and lease loss provision to assets | 0.1859% | 1,086 |
| Net operating income to assets | 1.4156% | 1,055 |
| Return on assets (ROA) | 1.4156% | 1,090 |
| Pretax return on assets | 2.0223% | 574 |
| Return on Equity (ROE) | 13.4120% | 1,037 |
| Retained earnings to average equity (ytd only) | -1.1104% | 5,707 |
| Net charge-offs to loans | 0.0822% | 2,227 |
| Credit loss provision to net charge-offs | 266.1157% | 1,005 |
| Earnings coverage of net charge-offs (x) | 31.6116% | 1,323 |
| Efficiency ratio | 56.8625% | 5,352 |
| Assets per employee ($millions) | 7.4090% | 691 |
| Cash dividends to net income (ytd only)* | 108.2790% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 2,987 |
| Loan loss allowance to noncurrent loans | 160.6992% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.2153% | 2,083 |
| Noncurrent loans to loans | 0.8402% | 3,025 |
| Net loans and leases to total assets | 84.1831% | 362 |
| Net loans and leases to deposits | 96.3709% | 925 |
| Net loans and leases to core deposits | 112.7712% | 714 |
| Total domestic deposits to total assets | 87.3533% | 1,986 |
| Equity capital to assets | 10.1917% | 3,815 |
| Core capital (leverage) ratio | 10.7988% | 2,612 |
| Tier 1 risk-based capital ratio | 11.9952% | 5,157 |
| Total risk-based capital ratio | 13.2473% | 5,049 |
| Memoranda: | ||
| Average total assets | $346,432,330 | 1,911 |
| Average earning assets | $322,469,670 | 1,903 |
| Average equity | $36,564,330 | 1,968 |
| Average total loans | $294,361,000 | 1,505 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1780% | 418 |
| Cost of funding earning assets | 0.4659% | 2,602 |
| Net interest margin | 4.7122% | 402 |
| Noninterest income to average assets | 0.4117% | 3,909 |
| Noninterest expense to average assets | 2.9504% | 2,737 |
| Loan and lease loss provision to assets | 0.1301% | 1,591 |
| Net operating income to assets | 1.1605% | 1,663 |
| Return on assets (ROA) | 1.1605% | 1,769 |
| Pretax return on assets | 1.6988% | 1,052 |
| Return on Equity (ROE) | 10.7961% | 1,693 |
| Retained earnings to average equity (ytd only) | -18.4227% | 6,256 |
| Net charge-offs to loans | 0.0558% | 2,209 |
| Credit loss provision to net charge-offs | 275.0000% | 867 |
| Earnings coverage of net charge-offs (x) | 38.6500% | 998 |
| Efficiency ratio | 61.7327% | 4,838 |
| Assets per employee ($millions) | 7.7567% | 604 |
| Cash dividends to net income (ytd only)* | 270.6422% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 2,919 |
| Loan loss allowance to noncurrent loans | 163.1240% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 2.2939% | 980 |
| Noncurrent loans to loans | 0.8582% | 3,099 |
| Net loans and leases to total assets | 83.6245% | 333 |
| Net loans and leases to deposits | 94.9372% | 902 |
| Net loans and leases to core deposits | 116.6207% | 503 |
| Total domestic deposits to total assets | 88.0840% | 1,771 |
| Equity capital to assets | 10.4135% | 3,632 |
| Core capital (leverage) ratio | 10.5565% | 2,900 |
| Tier 1 risk-based capital ratio | 12.2502% | 5,073 |
| Total risk-based capital ratio | 13.5021% | 4,984 |
| Memoranda: | ||
| Average total assets | $338,127,500 | 1,970 |
| Average earning assets | $313,402,000 | 1,973 |
| Average equity | $36,346,500 | 1,992 |
| Average total loans | $286,640,000 | 1,534 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5377% | 298 |
| Cost of funding earning assets | 0.4990% | 2,689 |
| Net interest margin | 5.0387% | 284 |
| Noninterest income to average assets | 0.2338% | 5,461 |
| Noninterest expense to average assets | 2.8655% | 3,253 |
| Loan and lease loss provision to assets | 0.4788% | 326 |
| Net operating income to assets | 1.0210% | 2,295 |
| Return on assets (ROA) | 1.0212% | 2,368 |
| Pretax return on assets | 1.5382% | 1,416 |
| Return on Equity (ROE) | 9.6527% | 2,272 |
| Retained earnings to average equity (ytd only) | 9.6527% | 574 |
| Net charge-offs to loans | 0.7842% | 451 |
| Credit loss provision to net charge-offs | 72.5712% | 3,008 |
| Earnings coverage of net charge-offs (x) | 3.0565% | 3,989 |
| Efficiency ratio | 58.6931% | 5,378 |
| Assets per employee ($millions) | 6.9783% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 2,938 |
| Loan loss allowance to noncurrent loans | 64.2569% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 2.6373% | 853 |
| Noncurrent loans to loans | 2.1834% | 1,221 |
| Net loans and leases to total assets | 83.5443% | 374 |
| Net loans and leases to deposits | 95.2420% | 964 |
| Net loans and leases to core deposits | 120.8255% | 394 |
| Total domestic deposits to total assets | 87.7179% | 1,916 |
| Equity capital to assets | 11.0915% | 2,814 |
| Core capital (leverage) ratio | 11.4367% | 2,028 |
| Tier 1 risk-based capital ratio | 13.2269% | 4,572 |
| Total risk-based capital ratio | 14.4790% | 4,494 |
| Memoranda: | ||
| Average total assets | $335,399,600 | 1,936 |
| Average earning assets | $309,426,600 | 1,939 |
| Average equity | $35,482,200 | 1,973 |
| Average total loans | $282,195,600 | 1,509 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5357% | 301 |
| Cost of funding earning assets | 0.5072% | 2,688 |
| Net interest margin | 5.0285% | 283 |
| Noninterest income to average assets | 0.3819% | 4,384 |
| Noninterest expense to average assets | 2.7909% | 3,498 |
| Loan and lease loss provision to assets | 0.4753% | 322 |
| Net operating income to assets | 1.1474% | 1,877 |
| Return on assets (ROA) | 1.1477% | 1,931 |
| Pretax return on assets | 1.7454% | 989 |
| Return on Equity (ROE) | 10.9813% | 1,795 |
| Retained earnings to average equity (ytd only) | 10.9813% | 513 |
| Net charge-offs to loans | 0.7523% | 450 |
| Credit loss provision to net charge-offs | 75.2201% | 2,682 |
| Earnings coverage of net charge-offs (x) | 3.5138% | 3,645 |
| Efficiency ratio | 55.6939% | 5,683 |
| Assets per employee ($millions) | 7.3607% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 2,702 |
| Loan loss allowance to noncurrent loans | 120.2350% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 2.4650% | 1,084 |
| Noncurrent loans to loans | 1.2479% | 2,554 |
| Net loans and leases to total assets | 83.1396% | 387 |
| Net loans and leases to deposits | 95.3070% | 933 |
| Net loans and leases to core deposits | 120.1852% | 396 |
| Total domestic deposits to total assets | 87.2334% | 2,179 |
| Equity capital to assets | 11.0394% | 2,913 |
| Core capital (leverage) ratio | 11.2157% | 2,295 |
| Tier 1 risk-based capital ratio | 13.4151% | 4,594 |
| Total risk-based capital ratio | 14.6690% | 4,535 |
| Memoranda: | ||
| Average total assets | $335,509,750 | 1,950 |
| Average earning assets | $308,870,500 | 1,958 |
| Average equity | $35,064,750 | 2,000 |
| Average total loans | $281,789,250 | 1,516 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4995% | 308 |
| Cost of funding earning assets | 0.5193% | 2,641 |
| Net interest margin | 4.9802% | 294 |
| Noninterest income to average assets | 0.6488% | 2,552 |
| Noninterest expense to average assets | 2.9020% | 3,155 |
| Loan and lease loss provision to assets | 0.6470% | 215 |
| Net operating income to assets | 1.1005% | 1,939 |
| Return on assets (ROA) | 1.1005% | 2,003 |
| Pretax return on assets | 1.6763% | 1,068 |
| Return on Equity (ROE) | 10.7278% | 1,834 |
| Retained earnings to average equity (ytd only) | 10.7278% | 580 |
| Net charge-offs to loans | 1.1263% | 285 |
| Credit loss provision to net charge-offs | 68.5104% | 2,495 |
| Earnings coverage of net charge-offs (x) | 2.4601% | 3,541 |
| Efficiency ratio | 55.5379% | 5,789 |
| Assets per employee ($millions) | 7.4052% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 3,049 |
| Loan loss allowance to noncurrent loans | 48.6551% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 3.9696% | 540 |
| Noncurrent loans to loans | 3.0130% | 959 |
| Net loans and leases to total assets | 82.4546% | 424 |
| Net loans and leases to deposits | 96.0593% | 799 |
| Net loans and leases to core deposits | 119.4702% | 392 |
| Total domestic deposits to total assets | 85.8372% | 3,132 |
| Equity capital to assets | 10.6634% | 3,235 |
| Core capital (leverage) ratio | 10.6792% | 2,746 |
| Tier 1 risk-based capital ratio | 12.8575% | 5,003 |
| Total risk-based capital ratio | 14.1107% | 4,937 |
| Memoranda: | ||
| Average total assets | $336,936,000 | 1,940 |
| Average earning assets | $309,625,670 | 1,943 |
| Average equity | $34,564,330 | 2,012 |
| Average total loans | $282,526,000 | 1,510 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5112% | 288 |
| Cost of funding earning assets | 0.5295% | 2,612 |
| Net interest margin | 4.9817% | 283 |
| Noninterest income to average assets | -0.0024% | 6,624 |
| Noninterest expense to average assets | 2.9352% | 3,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0591% | 1,967 |
| Return on assets (ROA) | 1.0591% | 2,042 |
| Pretax return on assets | 1.6282% | 1,115 |
| Return on Equity (ROE) | 10.5283% | 1,854 |
| Retained earnings to average equity (ytd only) | 10.5283% | 831 |
| Net charge-offs to loans | -0.0084% | 4,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3208% | 4,808 |
| Assets per employee ($millions) | 7.8003% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5929% | 2,736 |
| Loan loss allowance to noncurrent loans | 90.2573% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 3.3475% | 787 |
| Noncurrent loans to loans | 1.7649% | 2,182 |
| Net loans and leases to total assets | 82.7086% | 316 |
| Net loans and leases to deposits | 95.4579% | 688 |
| Net loans and leases to core deposits | 121.0841% | 306 |
| Total domestic deposits to total assets | 86.6441% | 3,018 |
| Equity capital to assets | 10.0664% | 3,767 |
| Core capital (leverage) ratio | 10.2320% | 3,247 |
| Tier 1 risk-based capital ratio | 12.2987% | 5,440 |
| Total risk-based capital ratio | 13.5515% | 5,374 |
| Memoranda: | ||
| Average total assets | $338,787,500 | 1,937 |
| Average earning assets | $310,493,500 | 1,946 |
| Average equity | $34,079,500 | 2,028 |
| Average total loans | $284,362,000 | 1,507 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4330% | 410 |
| Cost of funding earning assets | 0.6241% | 2,445 |
| Net interest margin | 4.8089% | 424 |
| Noninterest income to average assets | 0.6347% | 2,889 |
| Noninterest expense to average assets | 2.7183% | 4,033 |
| Loan and lease loss provision to assets | 0.7685% | 283 |
| Net operating income to assets | 0.9310% | 2,641 |
| Return on assets (ROA) | 0.9067% | 2,830 |
| Pretax return on assets | 1.4816% | 1,504 |
| Return on Equity (ROE) | 8.9585% | 2,549 |
| Retained earnings to average equity (ytd only) | -2.2766% | 6,201 |
| Net charge-offs to loans | 1.0644% | 532 |
| Credit loss provision to net charge-offs | 86.2034% | 2,867 |
| Earnings coverage of net charge-offs (x) | 2.5666% | 4,151 |
| Efficiency ratio | 54.2977% | 6,108 |
| Assets per employee ($millions) | 7.4303% | 624 |
| Cash dividends to net income (ytd only)* | 125.4125% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 2,620 |
| Loan loss allowance to noncurrent loans | 76.1281% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 3.7166% | 756 |
| Noncurrent loans to loans | 2.1508% | 1,827 |
| Net loans and leases to total assets | 82.4475% | 372 |
| Net loans and leases to deposits | 96.0667% | 730 |
| Net loans and leases to core deposits | 123.7677% | 271 |
| Total domestic deposits to total assets | 85.8232% | 3,350 |
| Equity capital to assets | 10.0519% | 3,691 |
| Core capital (leverage) ratio | 10.2809% | 3,177 |
| Tier 1 risk-based capital ratio | 11.9032% | 5,671 |
| Total risk-based capital ratio | 13.1575% | 5,608 |
| Memoranda: | ||
| Average total assets | $334,174,800 | 1,922 |
| Average earning assets | $303,794,000 | 1,950 |
| Average equity | $33,822,800 | 2,035 |
| Average total loans | $279,887,600 | 1,509 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3872% | 454 |
| Cost of funding earning assets | 0.6419% | 2,434 |
| Net interest margin | 4.7453% | 478 |
| Noninterest income to average assets | 0.3907% | 4,603 |
| Noninterest expense to average assets | 2.8835% | 3,362 |
| Loan and lease loss provision to assets | 0.8208% | 230 |
| Net operating income to assets | 0.6076% | 4,313 |
| Return on assets (ROA) | 0.5946% | 4,501 |
| Pretax return on assets | 0.9757% | 3,602 |
| Return on Equity (ROE) | 5.8644% | 4,260 |
| Retained earnings to average equity (ytd only) | -2.0073% | 6,267 |
| Net charge-offs to loans | 1.2185% | 445 |
| Credit loss provision to net charge-offs | 80.4458% | 2,838 |
| Earnings coverage of net charge-offs (x) | 1.7806% | 4,241 |
| Efficiency ratio | 61.3465% | 5,222 |
| Assets per employee ($millions) | 6.8483% | 801 |
| Cash dividends to net income (ytd only)* | 134.2280% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5850% | 3,069 |
| Loan loss allowance to noncurrent loans | 88.4782% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 3.8484% | 837 |
| Noncurrent loans to loans | 1.7914% | 2,509 |
| Net loans and leases to total assets | 83.2634% | 283 |
| Net loans and leases to deposits | 98.1043% | 564 |
| Net loans and leases to core deposits | 127.9847% | 215 |
| Total domestic deposits to total assets | 84.8723% | 3,803 |
| Equity capital to assets | 10.0969% | 3,772 |
| Core capital (leverage) ratio | 10.2112% | 3,385 |
| Tier 1 risk-based capital ratio | 12.2897% | 5,578 |
| Total risk-based capital ratio | 13.5403% | 5,520 |
| Memoranda: | ||
| Average total assets | $334,127,750 | 1,935 |
| Average earning assets | $303,450,250 | 1,963 |
| Average equity | $33,876,000 | 2,048 |
| Average total loans | $279,793,750 | 1,514 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3073% | 519 |
| Cost of funding earning assets | 0.6590% | 2,416 |
| Net interest margin | 4.6484% | 558 |
| Noninterest income to average assets | 0.5617% | 3,428 |
| Noninterest expense to average assets | 2.8977% | 3,342 |
| Loan and lease loss provision to assets | 0.7265% | 308 |
| Net operating income to assets | 0.7067% | 3,771 |
| Return on assets (ROA) | 0.7055% | 3,951 |
| Pretax return on assets | 1.1473% | 2,896 |
| Return on Equity (ROE) | 6.9493% | 3,627 |
| Retained earnings to average equity (ytd only) | -4.8592% | 6,452 |
| Net charge-offs to loans | 1.2298% | 464 |
| Credit loss provision to net charge-offs | 70.7944% | 2,803 |
| Earnings coverage of net charge-offs (x) | 1.8277% | 3,918 |
| Efficiency ratio | 60.7058% | 5,381 |
| Assets per employee ($millions) | 6.8087% | 791 |
| Cash dividends to net income (ytd only)* | 169.9235% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 3,109 |
| Loan loss allowance to noncurrent loans | 91.0378% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 4.4523% | 742 |
| Noncurrent loans to loans | 1.7706% | 2,674 |
| Net loans and leases to total assets | 82.3290% | 334 |
| Net loans and leases to deposits | 95.3871% | 713 |
| Net loans and leases to core deposits | 124.6223% | 246 |
| Total domestic deposits to total assets | 86.3104% | 3,199 |
| Equity capital to assets | 10.0853% | 3,812 |
| Core capital (leverage) ratio | 10.2295% | 3,186 |
| Tier 1 risk-based capital ratio | 12.2857% | 5,630 |
| Total risk-based capital ratio | 13.5421% | 5,576 |
| Memoranda: | ||
| Average total assets | $333,647,330 | 1,944 |
| Average earning assets | $302,298,330 | 1,977 |
| Average equity | $33,874,000 | 2,055 |
| Average total loans | $278,423,000 | 1,520 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1756% | 632 |
| Cost of funding earning assets | 0.6635% | 2,536 |
| Net interest margin | 4.5121% | 671 |
| Noninterest income to average assets | 0.3441% | 4,937 |
| Noninterest expense to average assets | 2.9132% | 3,295 |
| Loan and lease loss provision to assets | 0.1786% | 2,080 |
| Net operating income to assets | 0.8356% | 2,977 |
| Return on assets (ROA) | 0.8356% | 3,120 |
| Pretax return on assets | 1.3367% | 2,093 |
| Return on Equity (ROE) | 8.2030% | 2,876 |
| Retained earnings to average equity (ytd only) | -15.3350% | 6,753 |
| Net charge-offs to loans | 0.4747% | 1,259 |
| Credit loss provision to net charge-offs | 45.1515% | 2,685 |
| Earnings coverage of net charge-offs (x) | 3.8303% | 2,666 |
| Efficiency ratio | 65.7823% | 4,703 |
| Assets per employee ($millions) | 6.9123% | 802 |
| Cash dividends to net income (ytd only)* | 286.9440% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7456% | 2,817 |
| Loan loss allowance to noncurrent loans | 53.7355% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 5.2606% | 669 |
| Noncurrent loans to loans | 3.2485% | 1,503 |
| Net loans and leases to total assets | 81.7529% | 292 |
| Net loans and leases to deposits | 94.5965% | 635 |
| Net loans and leases to core deposits | 123.7192% | 236 |
| Total domestic deposits to total assets | 86.4227% | 3,289 |
| Equity capital to assets | 10.0480% | 4,086 |
| Core capital (leverage) ratio | 10.0986% | 3,276 |
| Tier 1 risk-based capital ratio | 12.0976% | 5,853 |
| Total risk-based capital ratio | 13.3529% | 5,798 |
| Memoranda: | ||
| Average total assets | $333,658,500 | 1,969 |
| Average earning assets | $302,035,500 | 1,997 |
| Average equity | $33,987,500 | 2,077 |
| Average total loans | $278,049,500 | 1,534 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3328% | 864 |
| Cost of funding earning assets | 0.7441% | 3,126 |
| Net interest margin | 4.5887% | 800 |
| Noninterest income to average assets | -0.0089% | 6,847 |
| Noninterest expense to average assets | 2.4598% | 5,224 |
| Loan and lease loss provision to assets | 0.7799% | 630 |
| Net operating income to assets | 0.5590% | 4,435 |
| Return on assets (ROA) | 0.6248% | 4,378 |
| Pretax return on assets | 0.9928% | 3,570 |
| Return on Equity (ROE) | 6.0996% | 4,116 |
| Retained earnings to average equity (ytd only) | 0.3317% | 5,684 |
| Net charge-offs to loans | 1.1481% | 899 |
| Credit loss provision to net charge-offs | 82.3456% | 3,750 |
| Earnings coverage of net charge-offs (x) | 1.7633% | 4,554 |
| Efficiency ratio | 59.5637% | 5,606 |
| Assets per employee ($millions) | 6.9902% | 766 |
| Cash dividends to net income (ytd only)* | 94.5626% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7855% | 2,634 |
| Loan loss allowance to noncurrent loans | 58.1598% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 5.2970% | 714 |
| Noncurrent loans to loans | 3.0700% | 1,694 |
| Net loans and leases to total assets | 81.9702% | 327 |
| Net loans and leases to deposits | 95.7909% | 629 |
| Net loans and leases to core deposits | 127.0431% | 209 |
| Total domestic deposits to total assets | 85.5720% | 3,578 |
| Equity capital to assets | 10.3231% | 3,730 |
| Core capital (leverage) ratio | 10.5505% | 2,706 |
| Tier 1 risk-based capital ratio | 12.5375% | 5,442 |
| Total risk-based capital ratio | 13.7943% | 5,394 |
| Memoranda: | ||
| Average total assets | $338,521,400 | 1,912 |
| Average earning assets | $305,315,200 | 1,940 |
| Average equity | $34,674,400 | 2,001 |
| Average total loans | $279,232,400 | 1,490 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3455% | 932 |
| Cost of funding earning assets | 0.7670% | 3,221 |
| Net interest margin | 4.5785% | 852 |
| Noninterest income to average assets | -0.0762% | 7,006 |
| Noninterest expense to average assets | 2.5010% | 5,086 |
| Loan and lease loss provision to assets | 0.6539% | 805 |
| Net operating income to assets | 0.5660% | 4,541 |
| Return on assets (ROA) | 0.6528% | 4,395 |
| Pretax return on assets | 1.0308% | 3,598 |
| Return on Equity (ROE) | 6.3852% | 4,124 |
| Retained earnings to average equity (ytd only) | -1.3032% | 6,308 |
| Net charge-offs to loans | 1.0226% | 1,037 |
| Credit loss provision to net charge-offs | 77.7570% | 3,685 |
| Earnings coverage of net charge-offs (x) | 1.8421% | 4,341 |
| Efficiency ratio | 61.7504% | 5,195 |
| Assets per employee ($millions) | 7.3268% | 633 |
| Cash dividends to net income (ytd only)* | 120.4095% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8158% | 2,743 |
| Loan loss allowance to noncurrent loans | 59.1242% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 5.6944% | 734 |
| Noncurrent loans to loans | 3.0711% | 1,811 |
| Net loans and leases to total assets | 81.6633% | 372 |
| Net loans and leases to deposits | 95.1728% | 712 |
| Net loans and leases to core deposits | 122.1944% | 271 |
| Total domestic deposits to total assets | 85.8053% | 3,359 |
| Equity capital to assets | 10.1399% | 4,293 |
| Core capital (leverage) ratio | 10.2834% | 3,185 |
| Tier 1 risk-based capital ratio | 12.2786% | 5,787 |
| Total risk-based capital ratio | 13.5355% | 5,752 |
| Memoranda: | ||
| Average total assets | $339,269,750 | 1,921 |
| Average earning assets | $305,771,000 | 1,950 |
| Average equity | $34,683,750 | 2,013 |
| Average total loans | $279,032,250 | 1,506 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3253% | 999 |
| Cost of funding earning assets | 0.7936% | 3,241 |
| Net interest margin | 4.5316% | 940 |
| Noninterest income to average assets | 0.1035% | 6,659 |
| Noninterest expense to average assets | 2.5069% | 5,111 |
| Loan and lease loss provision to assets | 0.5029% | 1,261 |
| Net operating income to assets | 0.7561% | 3,572 |
| Return on assets (ROA) | 0.8694% | 3,312 |
| Pretax return on assets | 1.3582% | 2,357 |
| Return on Equity (ROE) | 8.4813% | 3,025 |
| Retained earnings to average equity (ytd only) | -2.9954% | 6,460 |
| Net charge-offs to loans | 0.8909% | 1,234 |
| Credit loss provision to net charge-offs | 68.8961% | 3,593 |
| Earnings coverage of net charge-offs (x) | 2.3070% | 3,844 |
| Efficiency ratio | 59.8175% | 5,606 |
| Assets per employee ($millions) | 7.2021% | 662 |
| Cash dividends to net income (ytd only)* | 135.3180% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8659% | 2,656 |
| Loan loss allowance to noncurrent loans | 74.9313% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 5.1767% | 902 |
| Noncurrent loans to loans | 2.4902% | 2,420 |
| Net loans and leases to total assets | 80.4825% | 451 |
| Net loans and leases to deposits | 93.7078% | 798 |
| Net loans and leases to core deposits | 118.1754% | 342 |
| Total domestic deposits to total assets | 85.8867% | 3,410 |
| Equity capital to assets | 10.0660% | 4,236 |
| Core capital (leverage) ratio | 10.1640% | 3,186 |
| Tier 1 risk-based capital ratio | 12.3477% | 5,683 |
| Total risk-based capital ratio | 13.6043% | 5,660 |
| Memoranda: | ||
| Average total assets | $340,015,000 | 1,914 |
| Average earning assets | $306,688,000 | 1,943 |
| Average equity | $34,853,330 | 1,979 |
| Average total loans | $278,602,000 | 1,509 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3046% | 1,086 |
| Cost of funding earning assets | 0.8423% | 3,129 |
| Net interest margin | 4.4622% | 1,081 |
| Noninterest income to average assets | 0.7289% | 2,504 |
| Noninterest expense to average assets | 2.5706% | 4,926 |
| Loan and lease loss provision to assets | 0.5939% | 967 |
| Net operating income to assets | 1.0387% | 2,330 |
| Return on assets (ROA) | 1.1409% | 2,100 |
| Pretax return on assets | 1.7572% | 1,179 |
| Return on Equity (ROE) | 11.0318% | 2,005 |
| Retained earnings to average equity (ytd only) | 11.0318% | 1,019 |
| Net charge-offs to loans | 1.1494% | 899 |
| Credit loss provision to net charge-offs | 63.0923% | 3,056 |
| Earnings coverage of net charge-offs (x) | 2.3304% | 3,241 |
| Efficiency ratio | 53.9542% | 6,355 |
| Assets per employee ($millions) | 7.3809% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8822% | 2,734 |
| Loan loss allowance to noncurrent loans | 52.8904% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 5.6942% | 849 |
| Noncurrent loans to loans | 3.5588% | 1,744 |
| Net loans and leases to total assets | 80.9120% | 340 |
| Net loans and leases to deposits | 94.0219% | 661 |
| Net loans and leases to core deposits | 118.6751% | 331 |
| Total domestic deposits to total assets | 86.0566% | 3,498 |
| Equity capital to assets | 10.5174% | 3,468 |
| Core capital (leverage) ratio | 10.5385% | 2,708 |
| Tier 1 risk-based capital ratio | 12.6974% | 5,449 |
| Total risk-based capital ratio | 13.9552% | 5,396 |
| Memoranda: | ||
| Average total assets | $340,774,000 | 1,924 |
| Average earning assets | $308,188,000 | 1,938 |
| Average equity | $35,243,500 | 1,965 |
| Average total loans | $279,097,500 | 1,513 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5145% | 1,133 |
| Cost of funding earning assets | 1.1576% | 2,297 |
| Net interest margin | 4.3569% | 1,523 |
| Noninterest income to average assets | -0.2679% | 7,186 |
| Noninterest expense to average assets | 2.3372% | 5,953 |
| Loan and lease loss provision to assets | 0.8292% | 1,176 |
| Net operating income to assets | 0.3180% | 5,194 |
| Return on assets (ROA) | 0.4106% | 5,003 |
| Pretax return on assets | 0.5919% | 4,723 |
| Return on Equity (ROE) | 4.1561% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.1561% | 3,224 |
| Net charge-offs to loans | 1.1793% | 1,433 |
| Credit loss provision to net charge-offs | 86.7216% | 4,168 |
| Earnings coverage of net charge-offs (x) | 1.3458% | 4,764 |
| Efficiency ratio | 64.4922% | 5,042 |
| Assets per employee ($millions) | 7.2771% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0006% | 2,273 |
| Loan loss allowance to noncurrent loans | 57.3755% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 5.8852% | 843 |
| Noncurrent loans to loans | 3.4869% | 1,835 |
| Net loans and leases to total assets | 79.7146% | 526 |
| Net loans and leases to deposits | 93.2620% | 863 |
| Net loans and leases to core deposits | 119.3744% | 367 |
| Total domestic deposits to total assets | 85.4739% | 3,611 |
| Equity capital to assets | 10.1683% | 3,946 |
| Core capital (leverage) ratio | 10.3794% | 2,868 |
| Tier 1 risk-based capital ratio | 12.3618% | 5,570 |
| Total risk-based capital ratio | 13.6218% | 5,531 |
| Memoranda: | ||
| Average total assets | $342,631,400 | 1,892 |
| Average earning assets | $306,068,000 | 1,921 |
| Average equity | $33,854,200 | 1,974 |
| Average total loans | $277,791,800 | 1,531 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6236% | 986 |
| Cost of funding earning assets | 1.2347% | 2,089 |
| Net interest margin | 4.3889% | 1,438 |
| Noninterest income to average assets | -0.2400% | 7,287 |
| Noninterest expense to average assets | 2.4454% | 5,645 |
| Loan and lease loss provision to assets | 1.0424% | 808 |
| Net operating income to assets | 0.1437% | 5,852 |
| Return on assets (ROA) | 0.2213% | 5,778 |
| Pretax return on assets | 0.2832% | 5,737 |
| Return on Equity (ROE) | 2.2563% | 5,695 |
| Retained earnings to average equity (ytd only) | 2.2563% | 5,000 |
| Net charge-offs to loans | 1.4044% | 1,064 |
| Credit loss provision to net charge-offs | 91.6239% | 3,722 |
| Earnings coverage of net charge-offs (x) | 1.0776% | 4,824 |
| Efficiency ratio | 66.6066% | 4,604 |
| Assets per employee ($millions) | 7.6487% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0687% | 2,149 |
| Loan loss allowance to noncurrent loans | 237.0675% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 4.9890% | 1,155 |
| Noncurrent loans to loans | 0.8726% | 5,112 |
| Net loans and leases to total assets | 80.9685% | 428 |
| Net loans and leases to deposits | 94.5736% | 787 |
| Net loans and leases to core deposits | 119.3977% | 405 |
| Total domestic deposits to total assets | 85.6143% | 3,433 |
| Equity capital to assets | 10.1556% | 4,147 |
| Core capital (leverage) ratio | 10.0829% | 3,331 |
| Tier 1 risk-based capital ratio | 12.0303% | 5,872 |
| Total risk-based capital ratio | 13.2898% | 5,852 |
| Memoranda: | ||
| Average total assets | $342,783,000 | 1,897 |
| Average earning assets | $305,491,500 | 1,933 |
| Average equity | $33,623,250 | 1,989 |
| Average total loans | $277,687,250 | 1,543 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5792% | 1,111 |
| Cost of funding earning assets | 1.3319% | 1,750 |
| Net interest margin | 4.2473% | 1,855 |
| Noninterest income to average assets | 0.0331% | 7,108 |
| Noninterest expense to average assets | 2.3505% | 5,995 |
| Loan and lease loss provision to assets | 1.2312% | 624 |
| Net operating income to assets | 0.1767% | 5,811 |
| Return on assets (ROA) | 0.2488% | 5,689 |
| Pretax return on assets | 0.3364% | 5,580 |
| Return on Equity (ROE) | 2.5659% | 5,577 |
| Retained earnings to average equity (ytd only) | 2.5659% | 4,660 |
| Net charge-offs to loans | 1.6022% | 916 |
| Credit loss provision to net charge-offs | 95.5016% | 3,289 |
| Earnings coverage of net charge-offs (x) | 1.1404% | 4,422 |
| Efficiency ratio | 61.5209% | 5,654 |
| Assets per employee ($millions) | 7.5446% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1692% | 1,979 |
| Loan loss allowance to noncurrent loans | 217.7925% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 5.5163% | 1,071 |
| Noncurrent loans to loans | 0.9960% | 5,002 |
| Net loans and leases to total assets | 78.3745% | 724 |
| Net loans and leases to deposits | 91.5536% | 1,107 |
| Net loans and leases to core deposits | 115.9851% | 518 |
| Total domestic deposits to total assets | 85.6050% | 3,558 |
| Equity capital to assets | 9.9866% | 4,168 |
| Core capital (leverage) ratio | 9.7600% | 3,577 |
| Tier 1 risk-based capital ratio | 11.9543% | 5,818 |
| Total risk-based capital ratio | 13.2150% | 5,791 |
| Memoranda: | ||
| Average total assets | $344,863,330 | 1,895 |
| Average earning assets | $307,533,670 | 1,929 |
| Average equity | $33,438,330 | 1,983 |
| Average total loans | $277,500,000 | 1,563 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4970% | 1,308 |
| Cost of funding earning assets | 1.4723% | 1,284 |
| Net interest margin | 4.0247% | 2,589 |
| Noninterest income to average assets | -0.4903% | 7,497 |
| Noninterest expense to average assets | 2.4883% | 5,596 |
| Loan and lease loss provision to assets | 0.5179% | 1,676 |
| Net operating income to assets | 0.1151% | 6,053 |
| Return on assets (ROA) | 0.1151% | 6,108 |
| Pretax return on assets | 0.1059% | 6,157 |
| Return on Equity (ROE) | 1.2046% | 6,070 |
| Retained earnings to average equity (ytd only) | 1.2046% | 5,339 |
| Net charge-offs to loans | 0.4353% | 2,393 |
| Credit loss provision to net charge-offs | 147.5410% | 1,931 |
| Earnings coverage of net charge-offs (x) | 1.7770% | 3,416 |
| Efficiency ratio | 79.9556% | 2,544 |
| Assets per employee ($millions) | 7.5908% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1728% | 2,022 |
| Loan loss allowance to noncurrent loans | 143.1966% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 4.8520% | 1,311 |
| Noncurrent loans to loans | 1.5174% | 4,196 |
| Net loans and leases to total assets | 79.2467% | 595 |
| Net loans and leases to deposits | 91.1929% | 1,094 |
| Net loans and leases to core deposits | 114.3683% | 593 |
| Total domestic deposits to total assets | 86.9001% | 2,996 |
| Equity capital to assets | 9.5215% | 4,398 |
| Core capital (leverage) ratio | 9.5815% | 3,685 |
| Tier 1 risk-based capital ratio | 11.5154% | 6,091 |
| Total risk-based capital ratio | 12.7762% | 6,063 |
| Memoranda: | ||
| Average total assets | $347,542,000 | 1,896 |
| Average earning assets | $311,077,000 | 1,921 |
| Average equity | $33,205,000 | 1,984 |
| Average total loans | $280,257,000 | 1,563 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0953% | 4,115 |
| Cost of funding earning assets | 1.8265% | 1,069 |
| Net interest margin | 3.2688% | 6,073 |
| Noninterest income to average assets | -0.2639% | 7,498 |
| Noninterest expense to average assets | 2.1940% | 6,628 |
| Loan and lease loss provision to assets | 0.4000% | 3,717 |
| Net operating income to assets | 0.0543% | 5,685 |
| Return on assets (ROA) | 0.1538% | 5,587 |
| Pretax return on assets | 0.1667% | 5,561 |
| Return on Equity (ROE) | 1.6593% | 5,506 |
| Retained earnings to average equity (ytd only) | 1.6593% | 4,685 |
| Net charge-offs to loans | 0.9030% | 2,388 |
| Credit loss provision to net charge-offs | 57.3724% | 6,129 |
| Earnings coverage of net charge-offs (x) | 0.6577% | 5,450 |
| Efficiency ratio | 82.7138% | 2,080 |
| Assets per employee ($millions) | 7.5197% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1613% | 1,943 |
| Loan loss allowance to noncurrent loans | 101.9365% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 5.8027% | 1,044 |
| Noncurrent loans to loans | 2.1203% | 3,408 |
| Net loans and leases to total assets | 78.5343% | 872 |
| Net loans and leases to deposits | 90.8469% | 1,418 |
| Net loans and leases to core deposits | 103.1019% | 1,379 |
| Total domestic deposits to total assets | 86.4469% | 3,109 |
| Equity capital to assets | 9.5873% | 4,289 |
| Core capital (leverage) ratio | 9.7490% | 3,380 |
| Tier 1 risk-based capital ratio | 11.3794% | 6,014 |
| Total risk-based capital ratio | 12.6294% | 6,005 |
| Memoranda: | ||
| Average total assets | $357,013,600 | 1,831 |
| Average earning assets | $318,528,800 | 1,867 |
| Average equity | $33,087,000 | 1,997 |
| Average total loans | $275,639,800 | 1,623 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0363% | 4,646 |
| Cost of funding earning assets | 1.9019% | 1,023 |
| Net interest margin | 3.1343% | 6,522 |
| Noninterest income to average assets | -0.0863% | 7,528 |
| Noninterest expense to average assets | 2.1990% | 6,607 |
| Loan and lease loss provision to assets | 0.4128% | 3,427 |
| Net operating income to assets | 0.0862% | 5,805 |
| Return on assets (ROA) | 0.1916% | 5,691 |
| Pretax return on assets | 0.2194% | 5,684 |
| Return on Equity (ROE) | 2.0846% | 5,576 |
| Retained earnings to average equity (ytd only) | 2.0846% | 4,916 |
| Net charge-offs to loans | 1.0540% | 1,924 |
| Credit loss provision to net charge-offs | 51.2184% | 5,862 |
| Earnings coverage of net charge-offs (x) | 0.6340% | 5,404 |
| Efficiency ratio | 81.1432% | 2,179 |
| Assets per employee ($millions) | 7.6778% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2133% | 1,779 |
| Loan loss allowance to noncurrent loans | 91.8849% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 6.8237% | 806 |
| Noncurrent loans to loans | 2.4088% | 3,225 |
| Net loans and leases to total assets | 76.7376% | 1,273 |
| Net loans and leases to deposits | 91.0646% | 1,570 |
| Net loans and leases to core deposits | 101.3711% | 1,713 |
| Total domestic deposits to total assets | 84.2672% | 3,972 |
| Equity capital to assets | 9.6659% | 4,594 |
| Core capital (leverage) ratio | 9.6314% | 3,709 |
| Tier 1 risk-based capital ratio | 11.6966% | 5,732 |
| Total risk-based capital ratio | 12.9468% | 5,706 |
| Memoranda: | ||
| Average total assets | $359,790,750 | 1,843 |
| Average earning assets | $320,997,250 | 1,873 |
| Average equity | $33,068,000 | 2,015 |
| Average total loans | $275,136,000 | 1,647 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 5,068 |
| Cost of funding earning assets | 1.9602% | 1,015 |
| Net interest margin | 3.0121% | 6,802 |
| Noninterest income to average assets | -0.1421% | 7,655 |
| Noninterest expense to average assets | 2.1122% | 6,863 |
| Loan and lease loss provision to assets | 0.4038% | 3,298 |
| Net operating income to assets | 0.0321% | 6,035 |
| Return on assets (ROA) | 0.1882% | 5,725 |
| Pretax return on assets | 0.2156% | 5,737 |
| Return on Equity (ROE) | 2.0814% | 5,611 |
| Retained earnings to average equity (ytd only) | 2.0814% | 4,814 |
| Net charge-offs to loans | 1.0771% | 1,748 |
| Credit loss provision to net charge-offs | 49.4291% | 5,431 |
| Earnings coverage of net charge-offs (x) | 0.5386% | 5,197 |
| Efficiency ratio | 82.7601% | 2,071 |
| Assets per employee ($millions) | 7.8037% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2438% | 1,683 |
| Loan loss allowance to noncurrent loans | 78.3337% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 7.2142% | 719 |
| Noncurrent loans to loans | 2.8643% | 2,793 |
| Net loans and leases to total assets | 78.2736% | 1,068 |
| Net loans and leases to deposits | 90.7890% | 1,727 |
| Net loans and leases to core deposits | 102.7263% | 1,763 |
| Total domestic deposits to total assets | 86.2149% | 2,964 |
| Equity capital to assets | 9.4311% | 4,817 |
| Core capital (leverage) ratio | 9.4476% | 3,898 |
| Tier 1 risk-based capital ratio | 11.0424% | 6,198 |
| Total risk-based capital ratio | 12.2925% | 6,188 |
| Memoranda: | ||
| Average total assets | $364,553,670 | 1,835 |
| Average earning assets | $326,087,000 | 1,866 |
| Average equity | $32,958,670 | 2,016 |
| Average total loans | $276,471,000 | 1,655 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6570% | 6,387 |
| Cost of funding earning assets | 2.0145% | 1,034 |
| Net interest margin | 2.6425% | 7,350 |
| Noninterest income to average assets | 0.1799% | 6,667 |
| Noninterest expense to average assets | 1.9954% | 7,169 |
| Loan and lease loss provision to assets | 0.7381% | 1,722 |
| Net operating income to assets | -0.1519% | 6,483 |
| Return on assets (ROA) | 0.1088% | 6,105 |
| Pretax return on assets | 0.0873% | 6,168 |
| Return on Equity (ROE) | 1.2288% | 6,051 |
| Retained earnings to average equity (ytd only) | 1.2288% | 5,324 |
| Net charge-offs to loans | 1.7423% | 994 |
| Credit loss provision to net charge-offs | 57.3702% | 4,352 |
| Earnings coverage of net charge-offs (x) | 0.4389% | 4,637 |
| Efficiency ratio | 77.9461% | 2,909 |
| Assets per employee ($millions) | 7.8316% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4400% | 1,374 |
| Loan loss allowance to noncurrent loans | 66.2455% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 7.0989% | 754 |
| Noncurrent loans to loans | 3.6833% | 2,160 |
| Net loans and leases to total assets | 74.3455% | 1,902 |
| Net loans and leases to deposits | 86.2604% | 2,539 |
| Net loans and leases to core deposits | 98.9284% | 2,243 |
| Total domestic deposits to total assets | 86.1873% | 3,037 |
| Equity capital to assets | 9.2988% | 4,834 |
| Core capital (leverage) ratio | 9.0762% | 4,426 |
| Tier 1 risk-based capital ratio | 11.3314% | 5,829 |
| Total risk-based capital ratio | 12.5813% | 5,796 |
| Memoranda: | ||
| Average total assets | $371,246,500 | 1,848 |
| Average earning assets | $334,380,000 | 1,873 |
| Average equity | $32,878,500 | 2,047 |
| Average total loans | $274,116,000 | 1,711 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8657% | 6,795 |
| Cost of funding earning assets | 2.4534% | 1,140 |
| Net interest margin | 2.4122% | 7,502 |
| Noninterest income to average assets | -0.3799% | 7,913 |
| Noninterest expense to average assets | 2.3898% | 6,498 |
| Loan and lease loss provision to assets | 2.2632% | 909 |
| Net operating income to assets | -1.7327% | 6,978 |
| Return on assets (ROA) | -1.6186% | 6,920 |
| Pretax return on assets | -2.7047% | 7,210 |
| Return on Equity (ROE) | -17.5876% | 7,061 |
| Retained earnings to average equity (ytd only) | -17.5876% | 7,012 |
| Net charge-offs to loans | 2.2272% | 1,062 |
| Credit loss provision to net charge-offs | 135.1650% | 3,669 |
| Earnings coverage of net charge-offs (x) | -0.3701% | 6,602 |
| Efficiency ratio | 135.0112% | 428 |
| Assets per employee ($millions) | 8.4798% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5251% | 1,195 |
| Loan loss allowance to noncurrent loans | 56.8920% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 6.0451% | 935 |
| Noncurrent loans to loans | 4.4385% | 1,607 |
| Net loans and leases to total assets | 69.8865% | 3,279 |
| Net loans and leases to deposits | 87.6826% | 2,612 |
| Net loans and leases to core deposits | 128.5664% | 1,359 |
| Total domestic deposits to total assets | 79.7040% | 5,773 |
| Equity capital to assets | 8.4564% | 5,957 |
| Core capital (leverage) ratio | 9.2171% | 4,090 |
| Tier 1 risk-based capital ratio | 11.1424% | 5,788 |
| Total risk-based capital ratio | 12.3924% | 5,741 |
| Memoranda: | ||
| Average total assets | $378,226,600 | 1,808 |
| Average earning assets | $337,117,400 | 1,848 |
| Average equity | $34,808,600 | 1,932 |
| Average total loans | $284,352,600 | 1,690 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 6,791 |
| Cost of funding earning assets | 2.6045% | 1,020 |
| Net interest margin | 2.3375% | 7,611 |
| Noninterest income to average assets | -0.2164% | 7,982 |
| Noninterest expense to average assets | 2.4586% | 6,218 |
| Loan and lease loss provision to assets | 1.3402% | 1,444 |
| Net operating income to assets | -1.1502% | 6,931 |
| Return on assets (ROA) | -1.0172% | 6,858 |
| Pretax return on assets | -1.7356% | 7,063 |
| Return on Equity (ROE) | -10.8247% | 6,944 |
| Retained earnings to average equity (ytd only) | -10.8247% | 6,872 |
| Net charge-offs to loans | 2.0033% | 983 |
| Credit loss provision to net charge-offs | 87.9254% | 5,543 |
| Earnings coverage of net charge-offs (x) | -0.3958% | 6,427 |
| Efficiency ratio | 132.5163% | 446 |
| Assets per employee ($millions) | 7.2387% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 3,436 |
| Loan loss allowance to noncurrent loans | 51.8808% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 6.0275% | 891 |
| Noncurrent loans to loans | 2.8920% | 2,634 |
| Net loans and leases to total assets | 76.7690% | 1,830 |
| Net loans and leases to deposits | 92.6147% | 2,131 |
| Net loans and leases to core deposits | 135.2718% | 1,139 |
| Total domestic deposits to total assets | 82.8908% | 4,275 |
| Equity capital to assets | 9.5372% | 4,697 |
| Core capital (leverage) ratio | 9.3850% | 4,069 |
| Tier 1 risk-based capital ratio | 11.0357% | 5,915 |
| Total risk-based capital ratio | 12.2720% | 5,894 |
| Memoranda: | ||
| Average total assets | $375,265,500 | 1,832 |
| Average earning assets | $332,597,500 | 1,887 |
| Average equity | $35,264,250 | 1,926 |
| Average total loans | $285,523,500 | 1,698 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9105% | 7,013 |
| Cost of funding earning assets | 2.6489% | 1,164 |
| Net interest margin | 2.2616% | 7,704 |
| Noninterest income to average assets | 0.3546% | 5,666 |
| Noninterest expense to average assets | 2.4495% | 6,296 |
| Loan and lease loss provision to assets | 0.9844% | 1,709 |
| Net operating income to assets | -0.6135% | 6,671 |
| Return on assets (ROA) | -0.4151% | 6,472 |
| Pretax return on assets | -0.7729% | 6,665 |
| Return on Equity (ROE) | -4.4384% | 6,538 |
| Retained earnings to average equity (ytd only) | -4.4384% | 6,211 |
| Net charge-offs to loans | 1.9692% | 941 |
| Credit loss provision to net charge-offs | 66.2268% | 5,487 |
| Earnings coverage of net charge-offs (x) | -0.0663% | 5,765 |
| Efficiency ratio | 104.1939% | 1,026 |
| Assets per employee ($millions) | 7.1426% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 3,852 |
| Loan loss allowance to noncurrent loans | 60.2697% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 4.6831% | 1,185 |
| Noncurrent loans to loans | 2.2843% | 3,156 |
| Net loans and leases to total assets | 70.8977% | 3,489 |
| Net loans and leases to deposits | 87.4121% | 3,280 |
| Net loans and leases to core deposits | 146.6669% | 734 |
| Total domestic deposits to total assets | 81.1074% | 5,036 |
| Equity capital to assets | 8.8382% | 5,540 |
| Core capital (leverage) ratio | 9.6202% | 3,737 |
| Tier 1 risk-based capital ratio | 11.3808% | 5,517 |
| Total risk-based capital ratio | 12.6169% | 5,439 |
| Memoranda: | ||
| Average total assets | $377,295,670 | 1,842 |
| Average earning assets | $333,042,330 | 1,902 |
| Average equity | $35,282,670 | 1,925 |
| Average total loans | $284,788,330 | 1,733 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8994% | 7,179 |
| Cost of funding earning assets | 2.7926% | 1,003 |
| Net interest margin | 2.1069% | 7,845 |
| Noninterest income to average assets | 0.0888% | 7,611 |
| Noninterest expense to average assets | 2.4226% | 6,122 |
| Loan and lease loss provision to assets | 0.4146% | 2,846 |
| Net operating income to assets | -0.5176% | 6,892 |
| Return on assets (ROA) | -0.1754% | 6,611 |
| Pretax return on assets | -0.3843% | 6,733 |
| Return on Equity (ROE) | -1.8221% | 6,641 |
| Retained earnings to average equity (ytd only) | -1.8221% | 6,067 |
| Net charge-offs to loans | 1.8798% | 768 |
| Credit loss provision to net charge-offs | 28.4970% | 4,971 |
| Earnings coverage of net charge-offs (x) | -0.3467% | 5,203 |
| Efficiency ratio | 126.2980% | 544 |
| Assets per employee ($millions) | 6.9564% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 3,679 |
| Loan loss allowance to noncurrent loans | 58.0027% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 4.9475% | 915 |
| Noncurrent loans to loans | 2.3620% | 2,792 |
| Net loans and leases to total assets | 74.2436% | 2,695 |
| Net loans and leases to deposits | 88.2001% | 3,254 |
| Net loans and leases to core deposits | 152.4697% | 634 |
| Total domestic deposits to total assets | 84.1763% | 3,619 |
| Equity capital to assets | 9.4650% | 4,721 |
| Core capital (leverage) ratio | 9.8388% | 3,593 |
| Tier 1 risk-based capital ratio | 11.4129% | 5,492 |
| Total risk-based capital ratio | 12.6628% | 5,398 |
| Memoranda: | ||
| Average total assets | $369,522,500 | 1,888 |
| Average earning assets | $320,853,000 | 1,976 |
| Average equity | $35,564,000 | 1,922 |
| Average total loans | $285,980,500 | 1,736 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3292% | 3,797 |
| Cost of funding earning assets | 3.4092% | 698 |
| Net interest margin | 2.9200% | 7,110 |
| Noninterest income to average assets | -0.1427% | 8,213 |
| Noninterest expense to average assets | 2.4735% | 6,115 |
| Loan and lease loss provision to assets | 1.6766% | 776 |
| Net operating income to assets | -0.9637% | 7,231 |
| Return on assets (ROA) | -0.9517% | 7,143 |
| Pretax return on assets | -1.6068% | 7,303 |
| Return on Equity (ROE) | -10.3666% | 7,302 |
| Retained earnings to average equity (ytd only) | -10.3666% | 7,100 |
| Net charge-offs to loans | 1.3019% | 920 |
| Credit loss provision to net charge-offs | 158.3060% | 3,281 |
| Earnings coverage of net charge-offs (x) | 0.0481% | 6,222 |
| Efficiency ratio | 97.9826% | 1,062 |
| Assets per employee ($millions) | 5.8613% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6719% | 1,991 |
| Loan loss allowance to noncurrent loans | 44.5992% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 5.4420% | 601 |
| Noncurrent loans to loans | 3.7487% | 1,333 |
| Net loans and leases to total assets | 78.2498% | 2,066 |
| Net loans and leases to deposits | 92.2357% | 3,090 |
| Net loans and leases to core deposits | 162.5893% | 527 |
| Total domestic deposits to total assets | 84.8368% | 2,918 |
| Equity capital to assets | 9.7890% | 4,307 |
| Core capital (leverage) ratio | 9.8154% | 3,632 |
| Tier 1 risk-based capital ratio | 11.2301% | 5,508 |
| Total risk-based capital ratio | 12.4816% | 5,390 |
| Memoranda: | ||
| Average total assets | $345,587,600 | 1,928 |
| Average earning assets | $315,648,000 | 1,932 |
| Average equity | $31,727,000 | 2,133 |
| Average total loans | $281,132,000 | 1,716 |