Home > Security Federal Bank > Performance and Condition Ratios
Security Federal Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3596% | 2,412 |
| Cost of funding earning assets | 2.4314% | 1,288 |
| Net interest margin | 2.9282% | 3,273 |
| Noninterest income to average assets | 0.6400% | 1,366 |
| Noninterest expense to average assets | 2.5291% | 2,228 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 0.5742% | 3,299 |
| Return on assets (ROA) | 0.5762% | 3,316 |
| Pretax return on assets | 0.7406% | 3,179 |
| Return on Equity (ROE) | 7.0000% | 3,019 |
| Retained earnings to average equity (ytd only) | 6.9953% | 1,433 |
| Net charge-offs to loans | 0.0230% | 2,124 |
| Credit loss provision to net charge-offs | 954.8387% | 406 |
| Earnings coverage of net charge-offs (x) | 80.0710% | 934 |
| Efficiency ratio | 75.2990% | 1,429 |
| Assets per employee ($millions) | 6.4167% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9819% | 382 |
| Loan loss allowance to noncurrent loans | 181.8586% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 1,302 |
| Noncurrent loans to loans | 1.0898% | 927 |
| Net loans and leases to total assets | 44.4300% | 3,873 |
| Net loans and leases to deposits | 51.7296% | 3,863 |
| Net loans and leases to core deposits | 56.0061% | 3,884 |
| Total domestic deposits to total assets | 85.9000% | 2,249 |
| Equity capital to assets | 8.3311% | 3,318 |
| Core capital (leverage) ratio | 9.8790% | 2,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9642% | 670 |
| Memoranda: | ||
| Average total assets | $1,495,922,200 | 735 |
| Average earning assets | $1,390,449,200 | 724 |
| Average equity | $123,211,800 | 866 |
| Average total loans | $672,692,200 | 1,043 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3152% | 2,423 |
| Cost of funding earning assets | 2.4328% | 1,293 |
| Net interest margin | 2.8823% | 3,311 |
| Noninterest income to average assets | 0.6100% | 1,436 |
| Noninterest expense to average assets | 2.5355% | 2,142 |
| Loan and lease loss provision to assets | 0.1000% | 1,278 |
| Net operating income to assets | 0.5098% | 3,438 |
| Return on assets (ROA) | 0.5124% | 3,461 |
| Pretax return on assets | 0.6648% | 3,347 |
| Return on Equity (ROE) | 6.2400% | 3,258 |
| Retained earnings to average equity (ytd only) | 6.2404% | 2,009 |
| Net charge-offs to loans | 0.0331% | 1,661 |
| Credit loss provision to net charge-offs | 727.2727% | 494 |
| Earnings coverage of net charge-offs (x) | 51.2061% | 1,187 |
| Efficiency ratio | 76.9512% | 1,314 |
| Assets per employee ($millions) | 5.9986% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9426% | 436 |
| Loan loss allowance to noncurrent loans | 200.5011% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5109% | 1,387 |
| Noncurrent loans to loans | 0.9689% | 1,033 |
| Net loans and leases to total assets | 45.4300% | 3,853 |
| Net loans and leases to deposits | 53.6272% | 3,835 |
| Net loans and leases to core deposits | 58.0070% | 3,849 |
| Total domestic deposits to total assets | 84.7100% | 2,391 |
| Equity capital to assets | 8.6644% | 3,276 |
| Core capital (leverage) ratio | 10.2675% | 2,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2101% | 761 |
| Memoranda: | ||
| Average total assets | $1,483,299,250 | 730 |
| Average earning assets | $1,379,366,000 | 720 |
| Average equity | $121,806,250 | 868 |
| Average total loans | $665,604,500 | 1,049 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2896% | 2,373 |
| Cost of funding earning assets | 2.4091% | 1,242 |
| Net interest margin | 2.8805% | 3,284 |
| Noninterest income to average assets | 0.6100% | 1,411 |
| Noninterest expense to average assets | 2.5912% | 1,977 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 0.4836% | 3,470 |
| Return on assets (ROA) | 0.4836% | 3,509 |
| Pretax return on assets | 0.6241% | 3,399 |
| Return on Equity (ROE) | 6.0000% | 3,283 |
| Retained earnings to average equity (ytd only) | 6.0025% | 2,007 |
| Net charge-offs to loans | 0.0263% | 1,621 |
| Credit loss provision to net charge-offs | 552.3256% | 592 |
| Earnings coverage of net charge-offs (x) | 59.4070% | 1,020 |
| Efficiency ratio | 78.8919% | 1,211 |
| Assets per employee ($millions) | 5.8009% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9394% | 434 |
| Loan loss allowance to noncurrent loans | 181.8922% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5450% | 1,252 |
| Noncurrent loans to loans | 1.0662% | 858 |
| Net loans and leases to total assets | 44.2900% | 3,894 |
| Net loans and leases to deposits | 51.9839% | 3,894 |
| Net loans and leases to core deposits | 54.9125% | 3,936 |
| Total domestic deposits to total assets | 85.2100% | 2,257 |
| Equity capital to assets | 8.1891% | 3,310 |
| Core capital (leverage) ratio | 10.2264% | 2,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4914% | 726 |
| Memoranda: | ||
| Average total assets | $1,473,847,667 | 739 |
| Average earning assets | $1,369,222,667 | 728 |
| Average equity | $118,750,000 | 879 |
| Average total loans | $654,035,333 | 1,064 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 163,369.0000% | 10 |
| Cost of funding earning assets | 335.0000% | 9 |
| Net interest margin | 0.0000% | 4,533 |
| Noninterest income to average assets | 0.0000% | 4,505 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0000% | 4,225 |
| Return on assets (ROA) | 0.4252% | 3,570 |
| Pretax return on assets | 0.5694% | 3,445 |
| Return on Equity (ROE) | 5.3200% | 3,381 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0044% | 1,982 |
| Credit loss provision to net charge-offs | 1.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 5.0993% | 4,541 |
| Assets per employee ($millions) | 0.3306% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 577 |
| Noncurrent loans to loans | 0.0069% | 3,756 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | 0.0000% | 4,457 |
| Net loans and leases to core deposits | 32,760.0000% | 7 |
| Total domestic deposits to total assets | 0.0000% | 4,526 |
| Equity capital to assets | 23,071.0000% | 24 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $14,000 | 4,590 |
| Average earning assets | $21,469 | 4,532 |
| Average equity | $0 | 4,522 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8565% | 2,369 |
| Cost of funding earning assets | 1.8615% | 1,138 |
| Net interest margin | 2.9950% | 3,295 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.5596% | 2,131 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.6885% | 3,222 |
| Return on assets (ROA) | 0.6885% | 3,199 |
| Pretax return on assets | 0.8413% | 3,112 |
| Return on Equity (ROE) | 8.9800% | 2,762 |
| Retained earnings to average equity (ytd only) | 8.9769% | 1,262 |
| Net charge-offs to loans | -0.0010% | 3,607 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.8741% | 1,359 |
| Assets per employee ($millions) | 5.8782% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9791% | 387 |
| Loan loss allowance to noncurrent loans | 184.0803% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 1,076 |
| Noncurrent loans to loans | 1.0751% | 682 |
| Net loans and leases to total assets | 41.8600% | 3,969 |
| Net loans and leases to deposits | 50.9589% | 3,915 |
| Net loans and leases to core deposits | 53.6727% | 3,983 |
| Total domestic deposits to total assets | 82.1400% | 3,106 |
| Equity capital to assets | 7.8187% | 3,528 |
| Core capital (leverage) ratio | 9.8323% | 2,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4925% | 732 |
| Memoranda: | ||
| Average total assets | $1,393,569,800 | 753 |
| Average earning assets | $1,288,011,200 | 746 |
| Average equity | $106,885,200 | 904 |
| Average total loans | $599,015,200 | 1,091 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7212% | 2,432 |
| Cost of funding earning assets | 1.7358% | 1,119 |
| Net interest margin | 2.9854% | 3,364 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.5965% | 1,954 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.5972% | 3,551 |
| Return on assets (ROA) | 0.5972% | 3,539 |
| Pretax return on assets | 0.7586% | 3,429 |
| Return on Equity (ROE) | 7.8300% | 3,232 |
| Retained earnings to average equity (ytd only) | 7.8274% | 2,028 |
| Net charge-offs to loans | -0.0023% | 3,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.8963% | 1,101 |
| Assets per employee ($millions) | 5.6816% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0230% | 377 |
| Loan loss allowance to noncurrent loans | 194.7327% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.5145% | 1,133 |
| Noncurrent loans to loans | 1.0389% | 774 |
| Net loans and leases to total assets | 42.2700% | 3,982 |
| Net loans and leases to deposits | 49.2743% | 3,966 |
| Net loans and leases to core deposits | 52.0958% | 3,981 |
| Total domestic deposits to total assets | 85.7900% | 2,258 |
| Equity capital to assets | 7.2366% | 3,493 |
| Core capital (leverage) ratio | 10.1139% | 2,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3348% | 782 |
| Memoranda: | ||
| Average total assets | $1,370,164,000 | 766 |
| Average earning assets | $1,265,163,750 | 759 |
| Average equity | $104,536,750 | 914 |
| Average total loans | $589,994,500 | 1,098 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 2,471 |
| Cost of funding earning assets | 1.5255% | 1,200 |
| Net interest margin | 3.0493% | 3,319 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.6300% | 1,850 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.6152% | 3,542 |
| Return on assets (ROA) | 0.6152% | 3,546 |
| Pretax return on assets | 0.7821% | 3,436 |
| Return on Equity (ROE) | 7.9200% | 3,253 |
| Retained earnings to average equity (ytd only) | 7.9216% | 1,987 |
| Net charge-offs to loans | 0.0017% | 2,325 |
| Credit loss provision to net charge-offs | 6,520.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 1,104.2000% | 128 |
| Efficiency ratio | 76.3484% | 1,145 |
| Assets per employee ($millions) | 5.5209% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0405% | 389 |
| Loan loss allowance to noncurrent loans | 186.7001% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 980 |
| Noncurrent loans to loans | 1.0930% | 658 |
| Net loans and leases to total assets | 41.8800% | 3,971 |
| Net loans and leases to deposits | 48.8942% | 3,957 |
| Net loans and leases to core deposits | 52.0765% | 3,952 |
| Total domestic deposits to total assets | 85.6600% | 2,343 |
| Equity capital to assets | 7.4931% | 3,520 |
| Core capital (leverage) ratio | 10.1349% | 2,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9744% | 817 |
| Memoranda: | ||
| Average total assets | $1,355,309,667 | 763 |
| Average earning assets | $1,250,448,333 | 756 |
| Average equity | $105,256,333 | 904 |
| Average total loans | $583,200,333 | 1,094 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4528% | 2,421 |
| Cost of funding earning assets | 1.1575% | 1,565 |
| Net interest margin | 3.2953% | 2,889 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.7075% | 1,652 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7624% | 3,317 |
| Return on assets (ROA) | 0.7624% | 3,269 |
| Pretax return on assets | 0.9733% | 3,073 |
| Return on Equity (ROE) | 9.6400% | 2,884 |
| Retained earnings to average equity (ytd only) | 9.6368% | 1,784 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.5568% | 1,384 |
| Assets per employee ($millions) | 5.3218% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0675% | 394 |
| Loan loss allowance to noncurrent loans | 193.4439% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.5581% | 929 |
| Noncurrent loans to loans | 1.0688% | 670 |
| Net loans and leases to total assets | 42.8300% | 3,919 |
| Net loans and leases to deposits | 50.6378% | 3,864 |
| Net loans and leases to core deposits | 52.6988% | 3,880 |
| Total domestic deposits to total assets | 84.5900% | 2,957 |
| Equity capital to assets | 8.0833% | 3,183 |
| Core capital (leverage) ratio | 10.3926% | 2,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1066% | 831 |
| Memoranda: | ||
| Average total assets | $1,329,047,000 | 790 |
| Average earning assets | $1,224,407,000 | 784 |
| Average equity | $105,139,000 | 912 |
| Average total loans | $573,826,500 | 1,122 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4229% | 3,289 |
| Cost of funding earning assets | 0.2722% | 3,131 |
| Net interest margin | 3.1507% | 3,020 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.5600% | 1,940 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8145% | 3,276 |
| Return on assets (ROA) | 0.8144% | 3,207 |
| Pretax return on assets | 1.0300% | 2,979 |
| Return on Equity (ROE) | 9.7000% | 2,906 |
| Retained earnings to average equity (ytd only) | 9.7027% | 1,240 |
| Net charge-offs to loans | -0.0173% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.3074% | 1,525 |
| Assets per employee ($millions) | 5.0849% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9922% | 436 |
| Loan loss allowance to noncurrent loans | 178.6765% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 887 |
| Noncurrent loans to loans | 1.1150% | 646 |
| Net loans and leases to total assets | 41.7600% | 3,996 |
| Net loans and leases to deposits | 48.4026% | 3,964 |
| Net loans and leases to core deposits | 49.9202% | 3,976 |
| Total domestic deposits to total assets | 86.2700% | 2,651 |
| Equity capital to assets | 7.7353% | 3,224 |
| Core capital (leverage) ratio | 10.4063% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0395% | 824 |
| Memoranda: | ||
| Average total assets | $1,310,059,400 | 786 |
| Average earning assets | $1,216,586,400 | 782 |
| Average equity | $109,958,600 | 882 |
| Average total loans | $527,146,800 | 1,135 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1758% | 3,491 |
| Cost of funding earning assets | 0.1669% | 3,657 |
| Net interest margin | 3.0089% | 3,200 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.5138% | 1,979 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7624% | 3,380 |
| Return on assets (ROA) | 0.7624% | 3,325 |
| Pretax return on assets | 0.9616% | 3,135 |
| Return on Equity (ROE) | 8.9100% | 3,057 |
| Retained earnings to average equity (ytd only) | 8.9073% | 1,678 |
| Net charge-offs to loans | -0.0545% | 4,331 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.3309% | 1,473 |
| Assets per employee ($millions) | 5.2184% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1144% | 399 |
| Loan loss allowance to noncurrent loans | 434.7441% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 1,769 |
| Noncurrent loans to loans | 0.4863% | 1,586 |
| Net loans and leases to total assets | 40.4200% | 4,055 |
| Net loans and leases to deposits | 45.5327% | 4,049 |
| Net loans and leases to core deposits | 46.6285% | 4,075 |
| Total domestic deposits to total assets | 88.7700% | 2,178 |
| Equity capital to assets | 7.5682% | 3,175 |
| Core capital (leverage) ratio | 10.3168% | 2,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1131% | 843 |
| Memoranda: | ||
| Average total assets | $1,308,325,750 | 793 |
| Average earning assets | $1,218,003,250 | 783 |
| Average equity | $111,980,000 | 886 |
| Average total loans | $518,659,750 | 1,145 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9679% | 3,632 |
| Cost of funding earning assets | 0.1313% | 3,825 |
| Net interest margin | 2.8365% | 3,323 |
| Noninterest income to average assets | 0.6886% | 1,391 |
| Noninterest expense to average assets | 2.5097% | 1,897 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6573% | 3,452 |
| Return on assets (ROA) | 0.6573% | 3,401 |
| Pretax return on assets | 0.8269% | 3,260 |
| Return on Equity (ROE) | 7.3977% | 3,185 |
| Retained earnings to average equity (ytd only) | 7.3977% | 1,853 |
| Net charge-offs to loans | -0.0432% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2168% | 1,365 |
| Assets per employee ($millions) | 5.3985% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1778% | 396 |
| Loan loss allowance to noncurrent loans | 451.8967% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 1,923 |
| Noncurrent loans to loans | 0.4819% | 1,669 |
| Net loans and leases to total assets | 37.5684% | 4,188 |
| Net loans and leases to deposits | 42.5843% | 4,175 |
| Net loans and leases to core deposits | 43.8729% | 4,193 |
| Total domestic deposits to total assets | 88.2212% | 2,491 |
| Equity capital to assets | 8.0604% | 3,074 |
| Core capital (leverage) ratio | 10.0137% | 2,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4056% | 795 |
| Memoranda: | ||
| Average total assets | $1,313,043,667 | 784 |
| Average earning assets | $1,225,787,333 | 780 |
| Average equity | $116,658,000 | 858 |
| Average total loans | $513,416,000 | 1,143 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8971% | 3,545 |
| Cost of funding earning assets | 0.1263% | 3,818 |
| Net interest margin | 2.7709% | 3,225 |
| Noninterest income to average assets | 0.6685% | 1,423 |
| Noninterest expense to average assets | 2.5477% | 1,760 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5799% | 3,469 |
| Return on assets (ROA) | 0.5799% | 3,443 |
| Pretax return on assets | 0.7196% | 3,335 |
| Return on Equity (ROE) | 6.2299% | 3,276 |
| Retained earnings to average equity (ytd only) | 6.2299% | 2,165 |
| Net charge-offs to loans | -0.0327% | 4,120 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9755% | 1,316 |
| Assets per employee ($millions) | 5.2399% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1589% | 473 |
| Loan loss allowance to noncurrent loans | 394.2260% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 1,843 |
| Noncurrent loans to loans | 0.5476% | 1,666 |
| Net loans and leases to total assets | 38.8121% | 4,077 |
| Net loans and leases to deposits | 44.0050% | 4,063 |
| Net loans and leases to core deposits | 45.7186% | 4,088 |
| Total domestic deposits to total assets | 88.1993% | 2,431 |
| Equity capital to assets | 8.6080% | 3,067 |
| Core capital (leverage) ratio | 9.6756% | 2,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3176% | 853 |
| Memoranda: | ||
| Average total assets | $1,300,148,000 | 802 |
| Average earning assets | $1,219,408,500 | 795 |
| Average equity | $121,029,000 | 852 |
| Average total loans | $513,035,500 | 1,140 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3282% | 3,120 |
| Cost of funding earning assets | 0.1929% | 3,542 |
| Net interest margin | 3.1353% | 2,783 |
| Noninterest income to average assets | 0.9968% | 1,011 |
| Noninterest expense to average assets | 2.6516% | 1,748 |
| Loan and lease loss provision to assets | -0.1971% | 4,694 |
| Net operating income to assets | 1.1603% | 2,060 |
| Return on assets (ROA) | 1.1603% | 2,121 |
| Pretax return on assets | 1.4780% | 1,794 |
| Return on Equity (ROE) | 11.1087% | 2,127 |
| Retained earnings to average equity (ytd only) | 11.1087% | 681 |
| Net charge-offs to loans | -0.1257% | 4,630 |
| Credit loss provision to net charge-offs | 373.9470% | 952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4271% | 2,066 |
| Assets per employee ($millions) | 5.1619% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1714% | 466 |
| Loan loss allowance to noncurrent loans | 413.2315% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 2,477 |
| Noncurrent loans to loans | 0.5255% | 1,815 |
| Net loans and leases to total assets | 38.3990% | 4,165 |
| Net loans and leases to deposits | 43.9552% | 4,183 |
| Net loans and leases to core deposits | 45.7341% | 4,198 |
| Total domestic deposits to total assets | 87.3593% | 2,356 |
| Equity capital to assets | 10.0090% | 2,649 |
| Core capital (leverage) ratio | 9.8693% | 2,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6470% | 944 |
| Memoranda: | ||
| Average total assets | $1,216,074,400 | 818 |
| Average earning assets | $1,138,651,200 | 810 |
| Average equity | $127,017,400 | 817 |
| Average total loans | $509,962,000 | 1,146 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3509% | 3,244 |
| Cost of funding earning assets | 0.2006% | 3,600 |
| Net interest margin | 3.1503% | 2,893 |
| Noninterest income to average assets | 1.0742% | 955 |
| Noninterest expense to average assets | 2.5974% | 1,844 |
| Loan and lease loss provision to assets | -0.2533% | 4,798 |
| Net operating income to assets | 1.3109% | 1,790 |
| Return on assets (ROA) | 1.3109% | 1,844 |
| Pretax return on assets | 1.6746% | 1,477 |
| Return on Equity (ROE) | 12.4095% | 1,901 |
| Retained earnings to average equity (ytd only) | 12.4095% | 748 |
| Net charge-offs to loans | -0.1567% | 4,733 |
| Credit loss provision to net charge-offs | 378.9649% | 887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6324% | 2,292 |
| Assets per employee ($millions) | 4.9194% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1830% | 470 |
| Loan loss allowance to noncurrent loans | 304.0000% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.3094% | 2,226 |
| Noncurrent loans to loans | 0.7181% | 1,551 |
| Net loans and leases to total assets | 40.7039% | 4,172 |
| Net loans and leases to deposits | 48.2115% | 4,105 |
| Net loans and leases to core deposits | 50.0806% | 4,132 |
| Total domestic deposits to total assets | 84.4278% | 3,327 |
| Equity capital to assets | 10.6245% | 2,343 |
| Core capital (leverage) ratio | 10.1981% | 2,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0558% | 805 |
| Memoranda: | ||
| Average total assets | $1,194,891,500 | 843 |
| Average earning assets | $1,116,850,250 | 830 |
| Average equity | $126,222,250 | 830 |
| Average total loans | $509,806,750 | 1,167 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2993% | 3,427 |
| Cost of funding earning assets | 0.2248% | 3,517 |
| Net interest margin | 3.0745% | 3,103 |
| Noninterest income to average assets | 0.8909% | 1,292 |
| Noninterest expense to average assets | 2.5767% | 1,922 |
| Loan and lease loss provision to assets | -0.2713% | 4,819 |
| Net operating income to assets | 1.1445% | 2,388 |
| Return on assets (ROA) | 1.1445% | 2,448 |
| Pretax return on assets | 1.4562% | 2,151 |
| Return on Equity (ROE) | 10.8561% | 2,478 |
| Retained earnings to average equity (ytd only) | 10.8561% | 1,159 |
| Net charge-offs to loans | -0.0727% | 4,516 |
| Credit loss provision to net charge-offs | 867.5676% | 508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5000% | 1,820 |
| Assets per employee ($millions) | 4.8375% | 3,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2195% | 411 |
| Loan loss allowance to noncurrent loans | 372.4813% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 2,585 |
| Noncurrent loans to loans | 0.5959% | 1,915 |
| Net loans and leases to total assets | 41.9510% | 4,182 |
| Net loans and leases to deposits | 49.4782% | 4,137 |
| Net loans and leases to core deposits | 52.0083% | 4,132 |
| Total domestic deposits to total assets | 84.7868% | 3,184 |
| Equity capital to assets | 10.7150% | 2,215 |
| Core capital (leverage) ratio | 9.8334% | 2,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2352% | 784 |
| Memoranda: | ||
| Average total assets | $1,183,236,333 | 841 |
| Average earning assets | $1,104,781,333 | 832 |
| Average equity | $124,741,000 | 839 |
| Average total loans | $509,151,667 | 1,167 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3972% | 3,201 |
| Cost of funding earning assets | 0.2451% | 3,517 |
| Net interest margin | 3.1522% | 2,833 |
| Noninterest income to average assets | 0.9232% | 1,272 |
| Noninterest expense to average assets | 2.6335% | 1,784 |
| Loan and lease loss provision to assets | -0.2962% | 4,856 |
| Net operating income to assets | 1.1959% | 2,164 |
| Return on assets (ROA) | 1.1959% | 2,239 |
| Pretax return on assets | 1.5241% | 1,934 |
| Return on Equity (ROE) | 11.4395% | 2,204 |
| Retained earnings to average equity (ytd only) | 11.4395% | 1,285 |
| Net charge-offs to loans | 0.0205% | 1,328 |
| Credit loss provision to net charge-offs | -3,346.1538% | 3,654 |
| Earnings coverage of net charge-offs (x) | 138.7308% | 510 |
| Efficiency ratio | 68.2007% | 1,908 |
| Assets per employee ($millions) | 4.9322% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2943% | 368 |
| Loan loss allowance to noncurrent loans | 321.8481% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 2,503 |
| Noncurrent loans to loans | 0.7128% | 1,816 |
| Net loans and leases to total assets | 43.1615% | 4,167 |
| Net loans and leases to deposits | 51.2465% | 4,088 |
| Net loans and leases to core deposits | 54.2970% | 4,082 |
| Total domestic deposits to total assets | 84.2232% | 3,363 |
| Equity capital to assets | 10.3377% | 2,409 |
| Core capital (leverage) ratio | 9.7958% | 2,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6735% | 828 |
| Memoranda: | ||
| Average total assets | $1,175,004,000 | 840 |
| Average earning assets | $1,095,248,500 | 829 |
| Average equity | $122,837,500 | 847 |
| Average total loans | $506,372,500 | 1,174 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7873% | 3,337 |
| Cost of funding earning assets | 0.4942% | 2,984 |
| Net interest margin | 3.2931% | 3,084 |
| Noninterest income to average assets | 0.8862% | 1,304 |
| Noninterest expense to average assets | 2.7662% | 2,025 |
| Loan and lease loss provision to assets | 0.3336% | 1,064 |
| Net operating income to assets | 0.6845% | 3,483 |
| Return on assets (ROA) | 0.7777% | 3,303 |
| Pretax return on assets | 0.9570% | 3,190 |
| Return on Equity (ROE) | 7.2991% | 3,076 |
| Retained earnings to average equity (ytd only) | 7.2991% | 1,284 |
| Net charge-offs to loans | -0.0034% | 4,055 |
| Credit loss provision to net charge-offs | -21,176.4706% | 4,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1782% | 1,927 |
| Assets per employee ($millions) | 4.9210% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6103% | 222 |
| Loan loss allowance to noncurrent loans | 410.9760% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3094% | 2,758 |
| Noncurrent loans to loans | 0.6351% | 2,098 |
| Net loans and leases to total assets | 40.9122% | 4,404 |
| Net loans and leases to deposits | 50.9071% | 4,270 |
| Net loans and leases to core deposits | 53.9964% | 4,256 |
| Total domestic deposits to total assets | 80.3664% | 3,987 |
| Equity capital to assets | 10.5715% | 2,609 |
| Core capital (leverage) ratio | 9.7580% | 2,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8867% | 784 |
| Memoranda: | ||
| Average total assets | $1,079,139,600 | 820 |
| Average earning assets | $1,001,265,000 | 810 |
| Average equity | $114,987,400 | 859 |
| Average total loans | $501,954,400 | 1,137 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 3,472 |
| Cost of funding earning assets | 0.5686% | 2,817 |
| Net interest margin | 3.2620% | 3,306 |
| Noninterest income to average assets | 0.8739% | 1,303 |
| Noninterest expense to average assets | 2.8351% | 1,866 |
| Loan and lease loss provision to assets | 0.4545% | 706 |
| Net operating income to assets | 0.5021% | 4,027 |
| Return on assets (ROA) | 0.6307% | 3,779 |
| Pretax return on assets | 0.7669% | 3,738 |
| Return on Equity (ROE) | 5.9063% | 3,586 |
| Retained earnings to average equity (ytd only) | 5.9063% | 2,140 |
| Net charge-offs to loans | -0.0053% | 4,060 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6999% | 1,555 |
| Assets per employee ($millions) | 4.7316% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3757% | 271 |
| Loan loss allowance to noncurrent loans | 334.8801% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 2,732 |
| Noncurrent loans to loans | 0.7094% | 2,019 |
| Net loans and leases to total assets | 46.6793% | 4,280 |
| Net loans and leases to deposits | 56.7980% | 4,220 |
| Net loans and leases to core deposits | 61.5186% | 4,133 |
| Total domestic deposits to total assets | 82.1849% | 3,371 |
| Equity capital to assets | 10.6383% | 2,679 |
| Core capital (leverage) ratio | 9.7085% | 3,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5851% | 823 |
| Memoranda: | ||
| Average total assets | $1,056,122,750 | 821 |
| Average earning assets | $979,674,000 | 818 |
| Average equity | $112,780,750 | 867 |
| Average total loans | $504,440,500 | 1,117 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8884% | 3,656 |
| Cost of funding earning assets | 0.6598% | 2,629 |
| Net interest margin | 3.2286% | 3,582 |
| Noninterest income to average assets | 0.8231% | 1,365 |
| Noninterest expense to average assets | 2.8551% | 1,960 |
| Loan and lease loss provision to assets | 0.2715% | 1,575 |
| Net operating income to assets | 0.5559% | 3,869 |
| Return on assets (ROA) | 0.7290% | 3,395 |
| Pretax return on assets | 0.9007% | 3,311 |
| Return on Equity (ROE) | 6.8176% | 3,199 |
| Retained earnings to average equity (ytd only) | 6.8176% | 1,732 |
| Net charge-offs to loans | -0.0203% | 4,411 |
| Credit loss provision to net charge-offs | -2,800.0000% | 3,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8665% | 1,382 |
| Assets per employee ($millions) | 4.4784% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9585% | 471 |
| Loan loss allowance to noncurrent loans | 280.2100% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 2,850 |
| Noncurrent loans to loans | 0.6989% | 2,131 |
| Net loans and leases to total assets | 48.5117% | 4,232 |
| Net loans and leases to deposits | 59.3872% | 4,144 |
| Net loans and leases to core deposits | 64.2133% | 4,067 |
| Total domestic deposits to total assets | 81.6872% | 3,451 |
| Equity capital to assets | 10.6806% | 2,592 |
| Core capital (leverage) ratio | 9.7672% | 3,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5750% | 835 |
| Memoranda: | ||
| Average total assets | $1,031,216,000 | 823 |
| Average earning assets | $955,157,333 | 824 |
| Average equity | $110,273,667 | 876 |
| Average total loans | $492,348,667 | 1,128 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0345% | 3,695 |
| Cost of funding earning assets | 0.7784% | 2,506 |
| Net interest margin | 3.2561% | 3,700 |
| Noninterest income to average assets | 0.8281% | 1,233 |
| Noninterest expense to average assets | 3.0868% | 1,675 |
| Loan and lease loss provision to assets | 0.2811% | 1,104 |
| Net operating income to assets | 0.3716% | 4,192 |
| Return on assets (ROA) | 0.5695% | 3,752 |
| Pretax return on assets | 0.7133% | 3,642 |
| Return on Equity (ROE) | 5.3220% | 3,533 |
| Retained earnings to average equity (ytd only) | 5.3220% | 2,146 |
| Net charge-offs to loans | 0.0455% | 1,567 |
| Credit loss provision to net charge-offs | 1,320.7547% | 474 |
| Earnings coverage of net charge-offs (x) | 35.0943% | 1,091 |
| Efficiency ratio | 80.5154% | 1,090 |
| Assets per employee ($millions) | 4.2011% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1014% | 434 |
| Loan loss allowance to noncurrent loans | 260.1581% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 2,741 |
| Noncurrent loans to loans | 0.8077% | 1,990 |
| Net loans and leases to total assets | 44.6889% | 4,482 |
| Net loans and leases to deposits | 57.3755% | 4,307 |
| Net loans and leases to core deposits | 63.1023% | 4,225 |
| Total domestic deposits to total assets | 77.8884% | 4,237 |
| Equity capital to assets | 10.3187% | 3,500 |
| Core capital (leverage) ratio | 10.3033% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5403% | 917 |
| Memoranda: | ||
| Average total assets | $995,981,000 | 822 |
| Average earning assets | $919,380,500 | 823 |
| Average equity | $106,577,000 | 901 |
| Average total loans | $465,961,500 | 1,157 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1610% | 3,907 |
| Cost of funding earning assets | 0.8472% | 2,442 |
| Net interest margin | 3.3138% | 3,962 |
| Noninterest income to average assets | 0.9244% | 1,129 |
| Noninterest expense to average assets | 2.9482% | 2,151 |
| Loan and lease loss provision to assets | 0.0393% | 3,236 |
| Net operating income to assets | 0.8186% | 3,496 |
| Return on assets (ROA) | 0.8889% | 3,341 |
| Pretax return on assets | 1.0841% | 3,222 |
| Return on Equity (ROE) | 8.7323% | 2,864 |
| Retained earnings to average equity (ytd only) | 2.1512% | 3,918 |
| Net charge-offs to loans | 0.0713% | 2,079 |
| Credit loss provision to net charge-offs | 116.8224% | 2,159 |
| Earnings coverage of net charge-offs (x) | 30.8816% | 1,552 |
| Efficiency ratio | 73.9673% | 1,603 |
| Assets per employee ($millions) | 3.9946% | 3,903 |
| Cash dividends to net income (ytd only)* | 75.3650% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9966% | 461 |
| Loan loss allowance to noncurrent loans | 268.5099% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 2,698 |
| Noncurrent loans to loans | 0.7436% | 2,026 |
| Net loans and leases to total assets | 47.0405% | 4,476 |
| Net loans and leases to deposits | 56.7934% | 4,430 |
| Net loans and leases to core deposits | 62.8397% | 4,328 |
| Total domestic deposits to total assets | 82.8274% | 3,257 |
| Equity capital to assets | 11.1092% | 2,899 |
| Core capital (leverage) ratio | 10.3522% | 3,135 |
| Tier 1 risk-based capital ratio | 18.1840% | 1,720 |
| Total risk-based capital ratio | 19.4390% | 1,667 |
| Memoranda: | ||
| Average total assets | $955,347,400 | 822 |
| Average earning assets | $882,600,400 | 819 |
| Average equity | $97,247,800 | 922 |
| Average total loans | $450,430,600 | 1,157 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1734% | 3,984 |
| Cost of funding earning assets | 0.8382% | 2,519 |
| Net interest margin | 3.3351% | 4,028 |
| Noninterest income to average assets | 0.9160% | 1,108 |
| Noninterest expense to average assets | 2.9713% | 2,052 |
| Loan and lease loss provision to assets | 0.0245% | 3,403 |
| Net operating income to assets | 0.8069% | 3,659 |
| Return on assets (ROA) | 0.9267% | 3,322 |
| Pretax return on assets | 1.1498% | 3,134 |
| Return on Equity (ROE) | 9.3182% | 2,750 |
| Retained earnings to average equity (ytd only) | 2.5689% | 4,064 |
| Net charge-offs to loans | 0.1752% | 964 |
| Credit loss provision to net charge-offs | 29.7619% | 2,916 |
| Earnings coverage of net charge-offs (x) | 12.4847% | 2,354 |
| Efficiency ratio | 74.3232% | 1,513 |
| Assets per employee ($millions) | 4.1297% | 3,714 |
| Cash dividends to net income (ytd only)* | 72.4310% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8942% | 564 |
| Loan loss allowance to noncurrent loans | 214.6288% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 2,593 |
| Noncurrent loans to loans | 0.8826% | 1,818 |
| Net loans and leases to total assets | 45.7701% | 4,612 |
| Net loans and leases to deposits | 55.3028% | 4,584 |
| Net loans and leases to core deposits | 65.5038% | 4,305 |
| Total domestic deposits to total assets | 82.7627% | 3,235 |
| Equity capital to assets | 9.9427% | 4,077 |
| Core capital (leverage) ratio | 9.2696% | 4,402 |
| Tier 1 risk-based capital ratio | 15.6958% | 2,563 |
| Total risk-based capital ratio | 16.9488% | 2,495 |
| Memoranda: | ||
| Average total assets | $953,509,000 | 821 |
| Average earning assets | $881,059,500 | 820 |
| Average equity | $94,822,750 | 941 |
| Average total loans | $447,517,000 | 1,169 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 4,096 |
| Cost of funding earning assets | 0.7842% | 2,718 |
| Net interest margin | 3.3427% | 4,041 |
| Noninterest income to average assets | 0.8814% | 1,114 |
| Noninterest expense to average assets | 3.0146% | 1,967 |
| Loan and lease loss provision to assets | 0.0213% | 3,374 |
| Net operating income to assets | 0.7450% | 3,855 |
| Return on assets (ROA) | 0.9084% | 3,312 |
| Pretax return on assets | 1.1393% | 3,125 |
| Return on Equity (ROE) | 9.1342% | 2,804 |
| Retained earnings to average equity (ytd only) | 2.2953% | 4,016 |
| Net charge-offs to loans | 0.2341% | 723 |
| Credit loss provision to net charge-offs | 19.3050% | 2,660 |
| Earnings coverage of net charge-offs (x) | 8.6853% | 2,393 |
| Efficiency ratio | 75.9180% | 1,402 |
| Assets per employee ($millions) | 4.2132% | 3,557 |
| Cash dividends to net income (ytd only)* | 74.8713% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9439% | 522 |
| Loan loss allowance to noncurrent loans | 198.5935% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.5283% | 2,442 |
| Noncurrent loans to loans | 0.9788% | 1,670 |
| Net loans and leases to total assets | 45.3710% | 4,667 |
| Net loans and leases to deposits | 55.8473% | 4,597 |
| Net loans and leases to core deposits | 63.9127% | 4,417 |
| Total domestic deposits to total assets | 81.2410% | 3,740 |
| Equity capital to assets | 9.9217% | 4,036 |
| Core capital (leverage) ratio | 9.6206% | 4,010 |
| Tier 1 risk-based capital ratio | 16.0345% | 2,397 |
| Total risk-based capital ratio | 17.2883% | 2,338 |
| Memoranda: | ||
| Average total assets | $940,968,330 | 823 |
| Average earning assets | $869,654,000 | 830 |
| Average equity | $93,582,000 | 943 |
| Average total loans | $442,555,670 | 1,177 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1624% | 3,968 |
| Cost of funding earning assets | 0.7405% | 2,831 |
| Net interest margin | 3.4219% | 3,832 |
| Noninterest income to average assets | 0.9502% | 915 |
| Noninterest expense to average assets | 2.9792% | 2,053 |
| Loan and lease loss provision to assets | 0.0433% | 2,773 |
| Net operating income to assets | 0.8703% | 3,350 |
| Return on assets (ROA) | 0.9710% | 3,008 |
| Pretax return on assets | 1.2136% | 2,753 |
| Return on Equity (ROE) | 9.7512% | 2,474 |
| Retained earnings to average equity (ytd only) | 2.8016% | 3,818 |
| Net charge-offs to loans | 0.4313% | 355 |
| Credit loss provision to net charge-offs | 21.1416% | 2,128 |
| Earnings coverage of net charge-offs (x) | 5.5285% | 2,259 |
| Efficiency ratio | 72.4824% | 1,963 |
| Assets per employee ($millions) | 4.2020% | 3,625 |
| Cash dividends to net income (ytd only)* | 71.2695% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0084% | 489 |
| Loan loss allowance to noncurrent loans | 164.7136% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.6511% | 2,145 |
| Noncurrent loans to loans | 1.2193% | 1,351 |
| Net loans and leases to total assets | 45.8154% | 4,676 |
| Net loans and leases to deposits | 54.0927% | 4,674 |
| Net loans and leases to core deposits | 62.0155% | 4,477 |
| Total domestic deposits to total assets | 84.6980% | 2,783 |
| Equity capital to assets | 10.0125% | 3,812 |
| Core capital (leverage) ratio | 9.7761% | 3,834 |
| Tier 1 risk-based capital ratio | 16.1252% | 2,379 |
| Total risk-based capital ratio | 17.3792% | 2,334 |
| Memoranda: | ||
| Average total assets | $924,824,000 | 844 |
| Average earning assets | $854,027,500 | 849 |
| Average equity | $92,091,000 | 950 |
| Average total loans | $438,668,500 | 1,190 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9576% | 4,146 |
| Cost of funding earning assets | 0.5541% | 3,023 |
| Net interest margin | 3.4035% | 3,989 |
| Noninterest income to average assets | 0.9336% | 1,098 |
| Noninterest expense to average assets | 2.9499% | 2,193 |
| Loan and lease loss provision to assets | 0.1040% | 2,115 |
| Net operating income to assets | 0.8377% | 3,656 |
| Return on assets (ROA) | 0.8905% | 3,462 |
| Pretax return on assets | 1.0884% | 3,318 |
| Return on Equity (ROE) | 8.8142% | 3,086 |
| Retained earnings to average equity (ytd only) | 1.6943% | 4,467 |
| Net charge-offs to loans | -0.0059% | 4,380 |
| Credit loss provision to net charge-offs | -3,700.0000% | 4,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3401% | 1,859 |
| Assets per employee ($millions) | 4.0741% | 3,784 |
| Cash dividends to net income (ytd only)* | 80.7775% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0882% | 408 |
| Loan loss allowance to noncurrent loans | 130.1362% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.8514% | 1,643 |
| Noncurrent loans to loans | 1.6046% | 916 |
| Net loans and leases to total assets | 47.1240% | 4,689 |
| Net loans and leases to deposits | 55.7479% | 4,677 |
| Net loans and leases to core deposits | 63.0092% | 4,492 |
| Total domestic deposits to total assets | 84.5306% | 2,821 |
| Equity capital to assets | 9.9014% | 3,760 |
| Core capital (leverage) ratio | 9.7776% | 3,829 |
| Tier 1 risk-based capital ratio | 16.2135% | 2,338 |
| Total risk-based capital ratio | 17.4685% | 2,280 |
| Memoranda: | ||
| Average total assets | $889,686,000 | 859 |
| Average earning assets | $821,922,000 | 856 |
| Average equity | $89,888,800 | 934 |
| Average total loans | $426,745,600 | 1,188 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8964% | 4,223 |
| Cost of funding earning assets | 0.5219% | 3,046 |
| Net interest margin | 3.3745% | 4,085 |
| Noninterest income to average assets | 0.9733% | 1,003 |
| Noninterest expense to average assets | 2.9800% | 2,074 |
| Loan and lease loss provision to assets | 0.0226% | 3,568 |
| Net operating income to assets | 0.8833% | 3,607 |
| Return on assets (ROA) | 0.9365% | 3,370 |
| Pretax return on assets | 1.1545% | 3,179 |
| Return on Equity (ROE) | 9.2218% | 2,992 |
| Retained earnings to average equity (ytd only) | 2.0927% | 4,550 |
| Net charge-offs to loans | -0.0724% | 5,067 |
| Credit loss provision to net charge-offs | -65.2174% | 4,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8369% | 1,762 |
| Assets per employee ($millions) | 3.9915% | 3,903 |
| Cash dividends to net income (ytd only)* | 77.3071% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9885% | 495 |
| Loan loss allowance to noncurrent loans | 86.0372% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.2034% | 1,159 |
| Noncurrent loans to loans | 2.3112% | 590 |
| Net loans and leases to total assets | 47.0003% | 4,752 |
| Net loans and leases to deposits | 56.0816% | 4,749 |
| Net loans and leases to core deposits | 63.6966% | 4,534 |
| Total domestic deposits to total assets | 83.8069% | 3,009 |
| Equity capital to assets | 9.7451% | 3,876 |
| Core capital (leverage) ratio | 9.9046% | 3,736 |
| Tier 1 risk-based capital ratio | 16.5307% | 2,264 |
| Total risk-based capital ratio | 17.7849% | 2,204 |
| Memoranda: | ||
| Average total assets | $883,957,750 | 861 |
| Average earning assets | $816,776,250 | 855 |
| Average equity | $89,771,000 | 931 |
| Average total loans | $423,625,750 | 1,200 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8136% | 4,312 |
| Cost of funding earning assets | 0.4898% | 3,092 |
| Net interest margin | 3.3238% | 4,182 |
| Noninterest income to average assets | 0.9094% | 1,159 |
| Noninterest expense to average assets | 2.9768% | 2,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8137% | 3,812 |
| Return on assets (ROA) | 0.8942% | 3,490 |
| Pretax return on assets | 1.1053% | 3,294 |
| Return on Equity (ROE) | 8.6844% | 3,181 |
| Retained earnings to average equity (ytd only) | 1.6041% | 4,608 |
| Net charge-offs to loans | -0.1854% | 5,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7412% | 1,603 |
| Assets per employee ($millions) | 4.0070% | 3,883 |
| Cash dividends to net income (ytd only)* | 81.5287% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9636% | 548 |
| Loan loss allowance to noncurrent loans | 93.2633% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.1552% | 1,256 |
| Noncurrent loans to loans | 2.1054% | 681 |
| Net loans and leases to total assets | 48.1137% | 4,713 |
| Net loans and leases to deposits | 57.8459% | 4,651 |
| Net loans and leases to core deposits | 65.0990% | 4,424 |
| Total domestic deposits to total assets | 83.1756% | 3,357 |
| Equity capital to assets | 9.9750% | 3,651 |
| Core capital (leverage) ratio | 10.0106% | 3,570 |
| Tier 1 risk-based capital ratio | 16.3829% | 2,298 |
| Total risk-based capital ratio | 17.6372% | 2,244 |
| Memoranda: | ||
| Average total assets | $877,917,000 | 872 |
| Average earning assets | $811,770,330 | 866 |
| Average equity | $90,391,670 | 927 |
| Average total loans | $420,640,330 | 1,210 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7602% | 4,325 |
| Cost of funding earning assets | 0.4602% | 3,128 |
| Net interest margin | 3.3001% | 4,188 |
| Noninterest income to average assets | 0.8358% | 1,347 |
| Noninterest expense to average assets | 3.0075% | 2,041 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7217% | 4,019 |
| Return on assets (ROA) | 0.8840% | 3,372 |
| Pretax return on assets | 1.0914% | 3,203 |
| Return on Equity (ROE) | 8.4508% | 3,165 |
| Retained earnings to average equity (ytd only) | 1.4195% | 4,514 |
| Net charge-offs to loans | 0.0175% | 2,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 107.6667% | 579 |
| Efficiency ratio | 77.1462% | 1,438 |
| Assets per employee ($millions) | 3.9615% | 4,039 |
| Cash dividends to net income (ytd only)* | 83.2033% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9319% | 626 |
| Loan loss allowance to noncurrent loans | 124.6619% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8783% | 1,809 |
| Noncurrent loans to loans | 1.5497% | 1,129 |
| Net loans and leases to total assets | 47.7854% | 4,707 |
| Net loans and leases to deposits | 57.7322% | 4,600 |
| Net loans and leases to core deposits | 65.5674% | 4,338 |
| Total domestic deposits to total assets | 82.7709% | 3,735 |
| Equity capital to assets | 10.2848% | 3,303 |
| Core capital (leverage) ratio | 10.1207% | 3,403 |
| Tier 1 risk-based capital ratio | 16.8894% | 2,145 |
| Total risk-based capital ratio | 18.1435% | 2,098 |
| Memoranda: | ||
| Average total assets | $870,094,000 | 882 |
| Average earning assets | $807,500,500 | 878 |
| Average equity | $91,021,000 | 928 |
| Average total loans | $411,692,000 | 1,235 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7066% | 4,318 |
| Cost of funding earning assets | 0.3980% | 3,274 |
| Net interest margin | 3.3086% | 4,134 |
| Noninterest income to average assets | 0.9195% | 1,217 |
| Noninterest expense to average assets | 2.8961% | 2,469 |
| Loan and lease loss provision to assets | 0.0353% | 3,561 |
| Net operating income to assets | 0.7387% | 3,433 |
| Return on assets (ROA) | 0.7696% | 3,343 |
| Pretax return on assets | 1.0939% | 3,212 |
| Return on Equity (ROE) | 7.0882% | 3,223 |
| Retained earnings to average equity (ytd only) | 0.1486% | 4,954 |
| Net charge-offs to loans | 0.1153% | 1,896 |
| Credit loss provision to net charge-offs | 69.1244% | 3,096 |
| Earnings coverage of net charge-offs (x) | 21.2350% | 1,921 |
| Efficiency ratio | 72.7450% | 2,109 |
| Assets per employee ($millions) | 4.0216% | 3,927 |
| Cash dividends to net income (ytd only)* | 97.9042% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0621% | 477 |
| Loan loss allowance to noncurrent loans | 143.7915% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.7867% | 1,981 |
| Noncurrent loans to loans | 1.4341% | 1,196 |
| Net loans and leases to total assets | 44.9536% | 4,937 |
| Net loans and leases to deposits | 55.1914% | 4,844 |
| Net loans and leases to core deposits | 61.8429% | 4,663 |
| Total domestic deposits to total assets | 81.4504% | 4,014 |
| Equity capital to assets | 10.6379% | 3,009 |
| Core capital (leverage) ratio | 10.2312% | 3,150 |
| Tier 1 risk-based capital ratio | 17.6617% | 1,898 |
| Total risk-based capital ratio | 18.9166% | 1,850 |
| Memoranda: | ||
| Average total assets | $849,348,000 | 878 |
| Average earning assets | $785,954,800 | 876 |
| Average equity | $92,223,400 | 889 |
| Average total loans | $376,488,400 | 1,296 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6994% | 4,321 |
| Cost of funding earning assets | 0.3886% | 3,302 |
| Net interest margin | 3.3107% | 4,132 |
| Noninterest income to average assets | 0.9343% | 1,181 |
| Noninterest expense to average assets | 2.9341% | 2,298 |
| Loan and lease loss provision to assets | 0.0158% | 3,828 |
| Net operating income to assets | 0.7920% | 3,552 |
| Return on assets (ROA) | 0.8626% | 3,264 |
| Pretax return on assets | 1.1384% | 3,159 |
| Return on Equity (ROE) | 7.9034% | 3,173 |
| Retained earnings to average equity (ytd only) | 0.9604% | 4,987 |
| Net charge-offs to loans | 0.1032% | 1,755 |
| Credit loss provision to net charge-offs | 34.8432% | 3,041 |
| Earnings coverage of net charge-offs (x) | 23.4214% | 1,814 |
| Efficiency ratio | 73.4382% | 1,984 |
| Assets per employee ($millions) | 3.8610% | 4,220 |
| Cash dividends to net income (ytd only)* | 87.8477% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1280% | 459 |
| Loan loss allowance to noncurrent loans | 108.6303% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.0943% | 1,519 |
| Noncurrent loans to loans | 1.9589% | 875 |
| Net loans and leases to total assets | 43.6369% | 5,047 |
| Net loans and leases to deposits | 53.0956% | 5,003 |
| Net loans and leases to core deposits | 60.1693% | 4,807 |
| Total domestic deposits to total assets | 82.1856% | 3,716 |
| Equity capital to assets | 10.8877% | 2,969 |
| Core capital (leverage) ratio | 10.3278% | 3,168 |
| Tier 1 risk-based capital ratio | 17.6324% | 1,965 |
| Total risk-based capital ratio | 18.8870% | 1,906 |
| Memoranda: | ||
| Average total assets | $844,520,750 | 889 |
| Average earning assets | $780,833,000 | 888 |
| Average equity | $92,177,500 | 892 |
| Average total loans | $370,931,750 | 1,323 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6257% | 4,440 |
| Cost of funding earning assets | 0.3726% | 3,357 |
| Net interest margin | 3.2530% | 4,253 |
| Noninterest income to average assets | 0.8360% | 1,449 |
| Noninterest expense to average assets | 2.8683% | 2,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7172% | 3,763 |
| Return on assets (ROA) | 0.8071% | 3,418 |
| Pretax return on assets | 1.0960% | 3,200 |
| Return on Equity (ROE) | 7.3885% | 3,344 |
| Retained earnings to average equity (ytd only) | 0.4059% | 4,995 |
| Net charge-offs to loans | 0.0840% | 1,770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 26.5455% | 1,569 |
| Efficiency ratio | 74.6294% | 1,908 |
| Assets per employee ($millions) | 3.8945% | 4,138 |
| Cash dividends to net income (ytd only)* | 94.5068% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2278% | 414 |
| Loan loss allowance to noncurrent loans | 106.4227% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.1318% | 1,530 |
| Noncurrent loans to loans | 2.0934% | 791 |
| Net loans and leases to total assets | 42.0131% | 5,143 |
| Net loans and leases to deposits | 51.6302% | 5,077 |
| Net loans and leases to core deposits | 57.5216% | 4,934 |
| Total domestic deposits to total assets | 81.3732% | 4,082 |
| Equity capital to assets | 10.9014% | 2,923 |
| Core capital (leverage) ratio | 10.4543% | 2,971 |
| Tier 1 risk-based capital ratio | 19.1418% | 1,563 |
| Total risk-based capital ratio | 20.3983% | 1,510 |
| Memoranda: | ||
| Average total assets | $839,030,000 | 898 |
| Average earning assets | $775,529,000 | 896 |
| Average equity | $91,656,000 | 899 |
| Average total loans | $366,615,670 | 1,332 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5586% | 4,522 |
| Cost of funding earning assets | 0.3610% | 3,405 |
| Net interest margin | 3.1977% | 4,351 |
| Noninterest income to average assets | 0.8716% | 1,331 |
| Noninterest expense to average assets | 2.9122% | 2,423 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6705% | 3,835 |
| Return on assets (ROA) | 0.8341% | 3,119 |
| Pretax return on assets | 1.1415% | 2,816 |
| Return on Equity (ROE) | 7.6270% | 3,104 |
| Retained earnings to average equity (ytd only) | 0.5772% | 4,782 |
| Net charge-offs to loans | -0.0241% | 4,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0443% | 1,896 |
| Assets per employee ($millions) | 3.9998% | 4,012 |
| Cash dividends to net income (ytd only)* | 92.4321% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3042% | 411 |
| Loan loss allowance to noncurrent loans | 133.4501% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.9827% | 1,865 |
| Noncurrent loans to loans | 1.7266% | 1,110 |
| Net loans and leases to total assets | 41.8922% | 5,167 |
| Net loans and leases to deposits | 50.5092% | 5,098 |
| Net loans and leases to core deposits | 56.8126% | 4,934 |
| Total domestic deposits to total assets | 82.9398% | 3,861 |
| Equity capital to assets | 10.7465% | 2,910 |
| Core capital (leverage) ratio | 10.7655% | 2,628 |
| Tier 1 risk-based capital ratio | 19.7086% | 1,445 |
| Total risk-based capital ratio | 20.9663% | 1,420 |
| Memoranda: | ||
| Average total assets | $830,151,500 | 913 |
| Average earning assets | $767,936,500 | 910 |
| Average equity | $90,783,000 | 903 |
| Average total loans | $365,841,000 | 1,341 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6820% | 4,267 |
| Cost of funding earning assets | 0.3767% | 3,240 |
| Net interest margin | 3.3054% | 4,130 |
| Noninterest income to average assets | 0.8923% | 1,437 |
| Noninterest expense to average assets | 2.9320% | 2,556 |
| Loan and lease loss provision to assets | 0.0616% | 3,137 |
| Net operating income to assets | 0.7249% | 3,669 |
| Return on assets (ROA) | 0.7900% | 3,454 |
| Pretax return on assets | 1.0575% | 3,270 |
| Return on Equity (ROE) | 6.7897% | 3,587 |
| Retained earnings to average equity (ytd only) | 0.4353% | 5,151 |
| Net charge-offs to loans | 0.1197% | 2,058 |
| Credit loss provision to net charge-offs | 119.3317% | 2,224 |
| Earnings coverage of net charge-offs (x) | 19.9952% | 1,881 |
| Efficiency ratio | 73.9587% | 2,293 |
| Assets per employee ($millions) | 3.8319% | 4,247 |
| Cash dividends to net income (ytd only)* | 93.5891% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2702% | 424 |
| Loan loss allowance to noncurrent loans | 151.5141% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 1.0114% | 1,875 |
| Noncurrent loans to loans | 1.4983% | 1,341 |
| Net loans and leases to total assets | 44.2816% | 5,099 |
| Net loans and leases to deposits | 54.5888% | 4,986 |
| Net loans and leases to core deposits | 59.7939% | 4,869 |
| Total domestic deposits to total assets | 81.1184% | 4,306 |
| Equity capital to assets | 11.1332% | 2,500 |
| Core capital (leverage) ratio | 10.8190% | 2,518 |
| Tier 1 risk-based capital ratio | 19.8110% | 1,419 |
| Total risk-based capital ratio | 21.0688% | 1,380 |
| Memoranda: | ||
| Average total assets | $811,528,000 | 895 |
| Average earning assets | $754,259,600 | 885 |
| Average equity | $94,422,600 | 851 |
| Average total loans | $350,088,000 | 1,342 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6787% | 4,322 |
| Cost of funding earning assets | 0.3791% | 3,238 |
| Net interest margin | 3.2996% | 4,189 |
| Noninterest income to average assets | 0.9208% | 1,345 |
| Noninterest expense to average assets | 2.9162% | 2,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7882% | 3,420 |
| Return on assets (ROA) | 0.8808% | 3,126 |
| Pretax return on assets | 1.2028% | 2,827 |
| Return on Equity (ROE) | 7.4897% | 3,305 |
| Retained earnings to average equity (ytd only) | 1.2017% | 5,029 |
| Net charge-offs to loans | 0.0633% | 2,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 39.9210% | 1,249 |
| Efficiency ratio | 73.0487% | 2,432 |
| Assets per employee ($millions) | 4.0374% | 3,903 |
| Cash dividends to net income (ytd only)* | 83.9552% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2535% | 468 |
| Loan loss allowance to noncurrent loans | 130.1300% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 1.0394% | 1,981 |
| Noncurrent loans to loans | 1.7317% | 1,203 |
| Net loans and leases to total assets | 42.7160% | 5,264 |
| Net loans and leases to deposits | 53.0446% | 5,158 |
| Net loans and leases to core deposits | 58.5491% | 5,021 |
| Total domestic deposits to total assets | 80.5284% | 4,380 |
| Equity capital to assets | 11.7130% | 2,334 |
| Core capital (leverage) ratio | 10.9608% | 2,490 |
| Tier 1 risk-based capital ratio | 20.8795% | 1,293 |
| Total risk-based capital ratio | 22.1376% | 1,271 |
| Memoranda: | ||
| Average total assets | $811,321,750 | 895 |
| Average earning assets | $755,181,000 | 883 |
| Average equity | $95,418,000 | 836 |
| Average total loans | $345,590,250 | 1,354 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6845% | 4,341 |
| Cost of funding earning assets | 0.3973% | 3,069 |
| Net interest margin | 3.2872% | 4,273 |
| Noninterest income to average assets | 0.9868% | 1,146 |
| Noninterest expense to average assets | 2.9746% | 2,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7869% | 3,375 |
| Return on assets (ROA) | 0.8625% | 3,157 |
| Pretax return on assets | 1.1729% | 2,888 |
| Return on Equity (ROE) | 7.3233% | 3,359 |
| Retained earnings to average equity (ytd only) | 1.0119% | 4,984 |
| Net charge-offs to loans | -0.0704% | 5,503 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5301% | 2,426 |
| Assets per employee ($millions) | 3.9384% | 4,022 |
| Cash dividends to net income (ytd only)* | 86.1821% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4445% | 387 |
| Loan loss allowance to noncurrent loans | 133.5083% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 1,991 |
| Noncurrent loans to loans | 1.8309% | 1,121 |
| Net loans and leases to total assets | 41.2954% | 5,367 |
| Net loans and leases to deposits | 50.0663% | 5,333 |
| Net loans and leases to core deposits | 56.0322% | 5,169 |
| Total domestic deposits to total assets | 82.4814% | 3,847 |
| Equity capital to assets | 12.0330% | 2,104 |
| Core capital (leverage) ratio | 10.9448% | 2,492 |
| Tier 1 risk-based capital ratio | 21.5816% | 1,185 |
| Total risk-based capital ratio | 22.8416% | 1,171 |
| Memoranda: | ||
| Average total assets | $807,222,000 | 894 |
| Average earning assets | $751,088,670 | 890 |
| Average equity | $95,067,000 | 837 |
| Average total loans | $340,810,670 | 1,367 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6526% | 4,469 |
| Cost of funding earning assets | 0.4124% | 2,926 |
| Net interest margin | 3.2403% | 4,431 |
| Noninterest income to average assets | 1.2191% | 729 |
| Noninterest expense to average assets | 3.1153% | 2,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8094% | 3,191 |
| Return on assets (ROA) | 0.9017% | 2,871 |
| Pretax return on assets | 1.2454% | 2,526 |
| Return on Equity (ROE) | 7.7409% | 3,065 |
| Retained earnings to average equity (ytd only) | 1.3435% | 4,721 |
| Net charge-offs to loans | 0.0024% | 3,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1,124.5000% | 36 |
| Efficiency ratio | 73.6033% | 2,540 |
| Assets per employee ($millions) | 3.9548% | 4,032 |
| Cash dividends to net income (ytd only)* | 82.6446% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4321% | 422 |
| Loan loss allowance to noncurrent loans | 107.6513% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.2656% | 1,713 |
| Noncurrent loans to loans | 2.2593% | 892 |
| Net loans and leases to total assets | 40.9359% | 5,403 |
| Net loans and leases to deposits | 49.4135% | 5,370 |
| Net loans and leases to core deposits | 55.6923% | 5,146 |
| Total domestic deposits to total assets | 82.8436% | 3,954 |
| Equity capital to assets | 11.6468% | 2,291 |
| Core capital (leverage) ratio | 11.0254% | 2,389 |
| Tier 1 risk-based capital ratio | 22.2878% | 1,121 |
| Total risk-based capital ratio | 23.5483% | 1,100 |
| Memoranda: | ||
| Average total assets | $805,175,000 | 901 |
| Average earning assets | $748,826,500 | 893 |
| Average equity | $93,787,500 | 844 |
| Average total loans | $339,500,500 | 1,369 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6188% | 4,620 |
| Cost of funding earning assets | 0.4780% | 2,369 |
| Net interest margin | 3.1407% | 4,805 |
| Noninterest income to average assets | 0.7037% | 2,182 |
| Noninterest expense to average assets | 2.7863% | 3,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6308% | 4,136 |
| Return on assets (ROA) | 0.8030% | 3,407 |
| Pretax return on assets | 1.0834% | 3,139 |
| Return on Equity (ROE) | 6.9695% | 3,530 |
| Retained earnings to average equity (ytd only) | 0.5420% | 5,301 |
| Net charge-offs to loans | 0.0247% | 3,748 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 83.0241% | 679 |
| Efficiency ratio | 76.6129% | 2,176 |
| Assets per employee ($millions) | 3.9197% | 4,084 |
| Cash dividends to net income (ytd only)* | 92.2226% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4421% | 434 |
| Loan loss allowance to noncurrent loans | 117.6429% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 1.4243% | 1,469 |
| Noncurrent loans to loans | 2.0759% | 992 |
| Net loans and leases to total assets | 41.3413% | 5,449 |
| Net loans and leases to deposits | 50.0029% | 5,394 |
| Net loans and leases to core deposits | 56.0217% | 5,205 |
| Total domestic deposits to total assets | 82.6778% | 3,952 |
| Equity capital to assets | 11.6494% | 2,233 |
| Core capital (leverage) ratio | 11.0346% | 2,368 |
| Tier 1 risk-based capital ratio | 22.4556% | 1,092 |
| Total risk-based capital ratio | 23.7162% | 1,069 |
| Memoranda: | ||
| Average total assets | $810,168,400 | 857 |
| Average earning assets | $756,635,400 | 840 |
| Average equity | $93,350,000 | 813 |
| Average total loans | $335,818,000 | 1,332 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5987% | 4,745 |
| Cost of funding earning assets | 0.4922% | 2,293 |
| Net interest margin | 3.1065% | 4,944 |
| Noninterest income to average assets | 0.7047% | 2,209 |
| Noninterest expense to average assets | 2.7666% | 3,320 |
| Loan and lease loss provision to assets | -0.0164% | 5,834 |
| Net operating income to assets | 0.6302% | 4,241 |
| Return on assets (ROA) | 0.8308% | 3,362 |
| Pretax return on assets | 1.1343% | 3,081 |
| Return on Equity (ROE) | 7.2304% | 3,513 |
| Retained earnings to average equity (ytd only) | 0.8065% | 5,376 |
| Net charge-offs to loans | 0.1285% | 1,847 |
| Credit loss provision to net charge-offs | -30.9598% | 4,917 |
| Earnings coverage of net charge-offs (x) | 15.9101% | 2,153 |
| Efficiency ratio | 76.6462% | 2,137 |
| Assets per employee ($millions) | 3.8675% | 4,141 |
| Cash dividends to net income (ytd only)* | 88.8451% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4215% | 487 |
| Loan loss allowance to noncurrent loans | 104.7940% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.5615% | 1,429 |
| Noncurrent loans to loans | 2.3107% | 924 |
| Net loans and leases to total assets | 39.9404% | 5,593 |
| Net loans and leases to deposits | 48.4012% | 5,542 |
| Net loans and leases to core deposits | 54.0661% | 5,401 |
| Total domestic deposits to total assets | 82.5194% | 3,981 |
| Equity capital to assets | 11.7049% | 2,348 |
| Core capital (leverage) ratio | 10.9805% | 2,509 |
| Tier 1 risk-based capital ratio | 23.1790% | 1,032 |
| Total risk-based capital ratio | 24.4395% | 1,016 |
| Memoranda: | ||
| Average total assets | $812,805,500 | 867 |
| Average earning assets | $760,073,250 | 841 |
| Average equity | $93,399,750 | 818 |
| Average total loans | $335,060,500 | 1,338 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5472% | 4,865 |
| Cost of funding earning assets | 0.5094% | 2,168 |
| Net interest margin | 3.0379% | 5,128 |
| Noninterest income to average assets | 0.6562% | 2,444 |
| Noninterest expense to average assets | 2.8070% | 3,209 |
| Loan and lease loss provision to assets | 0.0245% | 3,648 |
| Net operating income to assets | 0.4906% | 4,814 |
| Return on assets (ROA) | 0.7889% | 3,544 |
| Pretax return on assets | 1.0822% | 3,248 |
| Return on Equity (ROE) | 6.9070% | 3,670 |
| Retained earnings to average equity (ytd only) | 0.4759% | 5,360 |
| Net charge-offs to loans | 0.3929% | 663 |
| Credit loss provision to net charge-offs | 15.0830% | 3,064 |
| Earnings coverage of net charge-offs (x) | 4.3002% | 3,059 |
| Efficiency ratio | 80.0852% | 1,745 |
| Assets per employee ($millions) | 4.0338% | 3,815 |
| Cash dividends to net income (ytd only)* | 93.1099% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4033% | 546 |
| Loan loss allowance to noncurrent loans | 98.3472% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.6830% | 1,414 |
| Noncurrent loans to loans | 2.4437% | 924 |
| Net loans and leases to total assets | 39.4339% | 5,662 |
| Net loans and leases to deposits | 47.4944% | 5,612 |
| Net loans and leases to core deposits | 53.1657% | 5,477 |
| Total domestic deposits to total assets | 83.0287% | 3,945 |
| Equity capital to assets | 11.4351% | 2,471 |
| Core capital (leverage) ratio | 10.7239% | 2,704 |
| Tier 1 risk-based capital ratio | 23.8945% | 965 |
| Total risk-based capital ratio | 25.1553% | 951 |
| Memoranda: | ||
| Average total assets | $816,880,330 | 868 |
| Average earning assets | $766,063,000 | 836 |
| Average equity | $93,297,330 | 827 |
| Average total loans | $337,517,330 | 1,334 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4848% | 5,013 |
| Cost of funding earning assets | 0.5317% | 1,994 |
| Net interest margin | 2.9531% | 5,337 |
| Noninterest income to average assets | 0.6277% | 2,509 |
| Noninterest expense to average assets | 2.9948% | 2,601 |
| Loan and lease loss provision to assets | 0.0485% | 2,958 |
| Net operating income to assets | 0.2570% | 5,543 |
| Return on assets (ROA) | 0.7767% | 3,518 |
| Pretax return on assets | 1.0777% | 3,179 |
| Return on Equity (ROE) | 6.8049% | 3,604 |
| Retained earnings to average equity (ytd only) | 0.4253% | 5,239 |
| Net charge-offs to loans | 0.6266% | 386 |
| Credit loss provision to net charge-offs | 18.5529% | 2,373 |
| Earnings coverage of net charge-offs (x) | 1.5455% | 2,905 |
| Efficiency ratio | 88.1034% | 1,008 |
| Assets per employee ($millions) | 4.1348% | 3,688 |
| Cash dividends to net income (ytd only)* | 93.7500% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3293% | 680 |
| Loan loss allowance to noncurrent loans | 88.3916% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.8772% | 1,295 |
| Noncurrent loans to loans | 2.6352% | 905 |
| Net loans and leases to total assets | 40.3554% | 5,578 |
| Net loans and leases to deposits | 48.9333% | 5,519 |
| Net loans and leases to core deposits | 55.1971% | 5,299 |
| Total domestic deposits to total assets | 82.4701% | 4,361 |
| Equity capital to assets | 11.4528% | 2,511 |
| Core capital (leverage) ratio | 10.7568% | 2,680 |
| Tier 1 risk-based capital ratio | 23.0990% | 1,097 |
| Total risk-based capital ratio | 24.3592% | 1,072 |
| Memoranda: | ||
| Average total assets | $823,955,500 | 857 |
| Average earning assets | $773,299,000 | 834 |
| Average equity | $94,049,500 | 819 |
| Average total loans | $344,104,500 | 1,317 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6483% | 4,940 |
| Cost of funding earning assets | 0.6653% | 1,299 |
| Net interest margin | 2.9830% | 5,480 |
| Noninterest income to average assets | 0.7325% | 2,155 |
| Noninterest expense to average assets | 2.4891% | 4,583 |
| Loan and lease loss provision to assets | 0.0536% | 3,486 |
| Net operating income to assets | 0.6995% | 3,893 |
| Return on assets (ROA) | 0.7364% | 3,811 |
| Pretax return on assets | 1.0378% | 3,361 |
| Return on Equity (ROE) | 6.8637% | 3,710 |
| Retained earnings to average equity (ytd only) | 4.1978% | 3,207 |
| Net charge-offs to loans | 0.6517% | 593 |
| Credit loss provision to net charge-offs | 19.2802% | 3,981 |
| Earnings coverage of net charge-offs (x) | 3.7365% | 3,819 |
| Efficiency ratio | 70.5026% | 3,456 |
| Assets per employee ($millions) | 4.1882% | 3,569 |
| Cash dividends to net income (ytd only)* | 38.8412% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4001% | 625 |
| Loan loss allowance to noncurrent loans | 60.8208% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 2.0570% | 1,214 |
| Noncurrent loans to loans | 3.9462% | 477 |
| Net loans and leases to total assets | 41.1931% | 5,676 |
| Net loans and leases to deposits | 51.1179% | 5,526 |
| Net loans and leases to core deposits | 57.0724% | 5,306 |
| Total domestic deposits to total assets | 80.5843% | 4,865 |
| Equity capital to assets | 11.3760% | 2,533 |
| Core capital (leverage) ratio | 10.6393% | 2,791 |
| Tier 1 risk-based capital ratio | 23.1639% | 1,062 |
| Total risk-based capital ratio | 24.4256% | 1,036 |
| Memoranda: | ||
| Average total assets | $839,042,800 | 802 |
| Average earning assets | $786,444,600 | 775 |
| Average equity | $90,024,400 | 814 |
| Average total loans | $358,139,000 | 1,236 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6578% | 4,979 |
| Cost of funding earning assets | 0.6772% | 1,277 |
| Net interest margin | 2.9806% | 5,544 |
| Noninterest income to average assets | 0.6963% | 2,349 |
| Noninterest expense to average assets | 2.4229% | 4,751 |
| Loan and lease loss provision to assets | 0.0316% | 3,780 |
| Net operating income to assets | 0.7332% | 3,765 |
| Return on assets (ROA) | 0.7544% | 3,744 |
| Pretax return on assets | 1.0622% | 3,331 |
| Return on Equity (ROE) | 7.1362% | 3,642 |
| Retained earnings to average equity (ytd only) | 4.4416% | 3,491 |
| Net charge-offs to loans | 0.6637% | 535 |
| Credit loss provision to net charge-offs | 11.1421% | 3,689 |
| Earnings coverage of net charge-offs (x) | 3.7460% | 3,603 |
| Efficiency ratio | 69.4305% | 3,603 |
| Assets per employee ($millions) | 4.3156% | 3,273 |
| Cash dividends to net income (ytd only)* | 37.7596% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4512% | 686 |
| Loan loss allowance to noncurrent loans | 62.8736% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 2.1255% | 1,317 |
| Noncurrent loans to loans | 3.8987% | 561 |
| Net loans and leases to total assets | 41.5299% | 5,713 |
| Net loans and leases to deposits | 52.8083% | 5,479 |
| Net loans and leases to core deposits | 57.8171% | 5,344 |
| Total domestic deposits to total assets | 78.6428% | 5,404 |
| Equity capital to assets | 11.1365% | 2,833 |
| Core capital (leverage) ratio | 10.2898% | 3,305 |
| Tier 1 risk-based capital ratio | 22.3180% | 1,218 |
| Total risk-based capital ratio | 23.5806% | 1,200 |
| Memoranda: | ||
| Average total assets | $842,534,500 | 805 |
| Average earning assets | $788,865,500 | 779 |
| Average equity | $89,065,250 | 828 |
| Average total loans | $360,615,750 | 1,233 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6493% | 5,014 |
| Cost of funding earning assets | 0.6979% | 1,198 |
| Net interest margin | 2.9513% | 5,632 |
| Noninterest income to average assets | 0.6499% | 2,546 |
| Noninterest expense to average assets | 2.4096% | 4,852 |
| Loan and lease loss provision to assets | 0.0472% | 3,363 |
| Net operating income to assets | 0.6921% | 3,887 |
| Return on assets (ROA) | 0.6997% | 3,929 |
| Pretax return on assets | 0.9670% | 3,618 |
| Return on Equity (ROE) | 6.7367% | 3,762 |
| Retained earnings to average equity (ytd only) | 4.0093% | 3,630 |
| Net charge-offs to loans | 0.7323% | 520 |
| Credit loss provision to net charge-offs | 15.0376% | 3,256 |
| Earnings coverage of net charge-offs (x) | 3.1962% | 3,369 |
| Efficiency ratio | 70.5146% | 3,572 |
| Assets per employee ($millions) | 4.3063% | 3,263 |
| Cash dividends to net income (ytd only)* | 40.4858% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5616% | 657 |
| Loan loss allowance to noncurrent loans | 59.3654% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 2.3080% | 1,285 |
| Noncurrent loans to loans | 4.3149% | 521 |
| Net loans and leases to total assets | 41.0653% | 5,741 |
| Net loans and leases to deposits | 52.2617% | 5,484 |
| Net loans and leases to core deposits | 57.3250% | 5,317 |
| Total domestic deposits to total assets | 78.5763% | 5,535 |
| Equity capital to assets | 10.8130% | 3,074 |
| Core capital (leverage) ratio | 9.9316% | 3,701 |
| Tier 1 risk-based capital ratio | 21.8921% | 1,274 |
| Total risk-based capital ratio | 23.1560% | 1,249 |
| Memoranda: | ||
| Average total assets | $847,181,670 | 795 |
| Average earning assets | $793,201,330 | 773 |
| Average equity | $87,995,000 | 831 |
| Average total loans | $363,234,000 | 1,215 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5362% | 5,333 |
| Cost of funding earning assets | 0.7075% | 1,203 |
| Net interest margin | 2.8287% | 5,880 |
| Noninterest income to average assets | 0.6673% | 2,361 |
| Noninterest expense to average assets | 2.4125% | 4,885 |
| Loan and lease loss provision to assets | 0.0471% | 3,152 |
| Net operating income to assets | 0.6285% | 4,047 |
| Return on assets (ROA) | 0.6574% | 4,004 |
| Pretax return on assets | 0.8964% | 3,709 |
| Return on Equity (ROE) | 6.4613% | 3,775 |
| Retained earnings to average equity (ytd only) | 3.6823% | 3,925 |
| Net charge-offs to loans | 0.5406% | 681 |
| Credit loss provision to net charge-offs | 20.1613% | 2,496 |
| Earnings coverage of net charge-offs (x) | 3.8669% | 2,610 |
| Efficiency ratio | 72.5735% | 3,382 |
| Assets per employee ($millions) | 4.3292% | 3,285 |
| Cash dividends to net income (ytd only)* | 43.0108% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6988% | 625 |
| Loan loss allowance to noncurrent loans | 91.0486% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.8073% | 1,938 |
| Noncurrent loans to loans | 2.9641% | 1,083 |
| Net loans and leases to total assets | 41.8353% | 5,682 |
| Net loans and leases to deposits | 52.8538% | 5,392 |
| Net loans and leases to core deposits | 58.4036% | 5,174 |
| Total domestic deposits to total assets | 79.1528% | 5,663 |
| Equity capital to assets | 10.3243% | 3,433 |
| Core capital (leverage) ratio | 9.8004% | 3,863 |
| Tier 1 risk-based capital ratio | 21.0927% | 1,456 |
| Total risk-based capital ratio | 22.3585% | 1,431 |
| Memoranda: | ||
| Average total assets | $848,756,000 | 800 |
| Average earning assets | $794,857,500 | 779 |
| Average equity | $86,360,000 | 850 |
| Average total loans | $366,992,500 | 1,208 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6827% | 5,184 |
| Cost of funding earning assets | 0.8583% | 919 |
| Net interest margin | 2.8244% | 5,940 |
| Noninterest income to average assets | 0.5523% | 3,386 |
| Noninterest expense to average assets | 2.3794% | 5,131 |
| Loan and lease loss provision to assets | 0.3052% | 1,101 |
| Net operating income to assets | 0.3682% | 5,268 |
| Return on assets (ROA) | 0.4798% | 4,963 |
| Pretax return on assets | 0.6604% | 4,665 |
| Return on Equity (ROE) | 4.7856% | 4,727 |
| Retained earnings to average equity (ytd only) | 2.9446% | 4,149 |
| Net charge-offs to loans | 0.9625% | 619 |
| Credit loss provision to net charge-offs | 71.0830% | 3,277 |
| Earnings coverage of net charge-offs (x) | 1.8930% | 4,420 |
| Efficiency ratio | 74.3603% | 3,070 |
| Assets per employee ($millions) | 4.3096% | 3,250 |
| Cash dividends to net income (ytd only)* | 38.4708% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7744% | 620 |
| Loan loss allowance to noncurrent loans | 102.2972% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.6442% | 2,247 |
| Noncurrent loans to loans | 2.7121% | 1,342 |
| Net loans and leases to total assets | 42.2756% | 5,809 |
| Net loans and leases to deposits | 54.1452% | 5,452 |
| Net loans and leases to core deposits | 58.7323% | 5,328 |
| Total domestic deposits to total assets | 78.0782% | 5,818 |
| Equity capital to assets | 10.0255% | 3,738 |
| Core capital (leverage) ratio | 9.5835% | 4,135 |
| Tier 1 risk-based capital ratio | 20.5557% | 1,525 |
| Total risk-based capital ratio | 21.8219% | 1,498 |
| Memoranda: | ||
| Average total assets | $866,772,000 | 763 |
| Average earning assets | $810,108,400 | 737 |
| Average equity | $86,906,200 | 815 |
| Average total loans | $386,586,400 | 1,104 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 5,148 |
| Cost of funding earning assets | 0.8903% | 855 |
| Net interest margin | 2.8180% | 5,987 |
| Noninterest income to average assets | 0.5497% | 3,461 |
| Noninterest expense to average assets | 2.3632% | 5,138 |
| Loan and lease loss provision to assets | 0.4048% | 743 |
| Net operating income to assets | 0.3048% | 5,601 |
| Return on assets (ROA) | 0.4359% | 5,236 |
| Pretax return on assets | 0.5933% | 5,041 |
| Return on Equity (ROE) | 4.3470% | 5,052 |
| Retained earnings to average equity (ytd only) | 3.1259% | 4,448 |
| Net charge-offs to loans | 1.1302% | 493 |
| Credit loss provision to net charge-offs | 79.8129% | 2,858 |
| Earnings coverage of net charge-offs (x) | 1.6141% | 4,301 |
| Efficiency ratio | 74.0898% | 3,051 |
| Assets per employee ($millions) | 4.3927% | 3,065 |
| Cash dividends to net income (ytd only)* | 28.0899% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8354% | 653 |
| Loan loss allowance to noncurrent loans | 87.7327% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.8341% | 2,219 |
| Noncurrent loans to loans | 3.2319% | 1,217 |
| Net loans and leases to total assets | 42.8221% | 5,834 |
| Net loans and leases to deposits | 54.1697% | 5,526 |
| Net loans and leases to core deposits | 58.4027% | 5,421 |
| Total domestic deposits to total assets | 79.0517% | 5,734 |
| Equity capital to assets | 9.9726% | 3,938 |
| Core capital (leverage) ratio | 9.4550% | 4,468 |
| Tier 1 risk-based capital ratio | 20.2974% | 1,657 |
| Total risk-based capital ratio | 21.5649% | 1,626 |
| Memoranda: | ||
| Average total assets | $871,217,250 | 762 |
| Average earning assets | $813,762,250 | 739 |
| Average equity | $87,353,750 | 813 |
| Average total loans | $390,943,500 | 1,096 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6841% | 5,192 |
| Cost of funding earning assets | 0.9233% | 805 |
| Net interest margin | 2.7608% | 6,080 |
| Noninterest income to average assets | 0.5996% | 3,194 |
| Noninterest expense to average assets | 2.3492% | 5,212 |
| Loan and lease loss provision to assets | 0.4661% | 613 |
| Net operating income to assets | 0.2682% | 5,722 |
| Return on assets (ROA) | 0.3952% | 5,398 |
| Pretax return on assets | 0.5347% | 5,251 |
| Return on Equity (ROE) | 3.9345% | 5,241 |
| Retained earnings to average equity (ytd only) | 3.0269% | 4,394 |
| Net charge-offs to loans | 1.1897% | 489 |
| Credit loss provision to net charge-offs | 86.7997% | 2,502 |
| Earnings coverage of net charge-offs (x) | 1.5441% | 4,017 |
| Efficiency ratio | 73.7344% | 3,180 |
| Assets per employee ($millions) | 4.3139% | 3,154 |
| Cash dividends to net income (ytd only)* | 23.0681% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8585% | 669 |
| Loan loss allowance to noncurrent loans | 90.1844% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.9589% | 2,207 |
| Noncurrent loans to loans | 3.1697% | 1,385 |
| Net loans and leases to total assets | 43.1379% | 5,816 |
| Net loans and leases to deposits | 55.3852% | 5,400 |
| Net loans and leases to core deposits | 59.4538% | 5,309 |
| Total domestic deposits to total assets | 77.8870% | 6,000 |
| Equity capital to assets | 9.8908% | 4,067 |
| Core capital (leverage) ratio | 9.2355% | 4,645 |
| Tier 1 risk-based capital ratio | 19.7037% | 1,795 |
| Total risk-based capital ratio | 20.9682% | 1,766 |
| Memoranda: | ||
| Average total assets | $877,561,670 | 755 |
| Average earning assets | $819,678,000 | 734 |
| Average equity | $88,143,330 | 808 |
| Average total loans | $396,067,330 | 1,078 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6555% | 5,294 |
| Cost of funding earning assets | 0.9549% | 766 |
| Net interest margin | 2.7006% | 6,211 |
| Noninterest income to average assets | 0.6493% | 2,880 |
| Noninterest expense to average assets | 2.3634% | 5,221 |
| Loan and lease loss provision to assets | 0.5188% | 512 |
| Net operating income to assets | 0.2170% | 5,832 |
| Return on assets (ROA) | 0.3457% | 5,517 |
| Pretax return on assets | 0.4644% | 5,382 |
| Return on Equity (ROE) | 3.4164% | 5,383 |
| Retained earnings to average equity (ytd only) | 3.4164% | 4,203 |
| Net charge-offs to loans | 1.3527% | 413 |
| Credit loss provision to net charge-offs | 84.3152% | 2,105 |
| Earnings coverage of net charge-offs (x) | 1.3152% | 3,394 |
| Efficiency ratio | 74.3073% | 3,214 |
| Assets per employee ($millions) | 4.3127% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8177% | 809 |
| Loan loss allowance to noncurrent loans | 75.2575% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 2.4270% | 1,907 |
| Noncurrent loans to loans | 3.7440% | 1,243 |
| Net loans and leases to total assets | 43.7499% | 5,692 |
| Net loans and leases to deposits | 56.4367% | 5,201 |
| Net loans and leases to core deposits | 60.3675% | 5,103 |
| Total domestic deposits to total assets | 77.5204% | 6,187 |
| Equity capital to assets | 10.1813% | 3,921 |
| Core capital (leverage) ratio | 9.3768% | 4,281 |
| Tier 1 risk-based capital ratio | 19.9950% | 1,774 |
| Total risk-based capital ratio | 21.2604% | 1,741 |
| Memoranda: | ||
| Average total assets | $882,792,000 | 758 |
| Average earning assets | $824,838,500 | 735 |
| Average equity | $89,333,500 | 800 |
| Average total loans | $401,573,000 | 1,054 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9260% | 5,501 |
| Cost of funding earning assets | 1.1527% | 724 |
| Net interest margin | 2.7733% | 6,417 |
| Noninterest income to average assets | 0.2875% | 5,411 |
| Noninterest expense to average assets | 2.1556% | 6,010 |
| Loan and lease loss provision to assets | 0.4318% | 1,476 |
| Net operating income to assets | 0.1888% | 5,810 |
| Return on assets (ROA) | 0.3028% | 5,668 |
| Pretax return on assets | 0.4321% | 5,471 |
| Return on Equity (ROE) | 3.1334% | 5,499 |
| Retained earnings to average equity (ytd only) | 3.1334% | 4,035 |
| Net charge-offs to loans | 1.5952% | 532 |
| Credit loss provision to net charge-offs | 57.1491% | 4,522 |
| Earnings coverage of net charge-offs (x) | 0.9279% | 5,003 |
| Efficiency ratio | 75.2638% | 2,864 |
| Assets per employee ($millions) | 4.5184% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7671% | 856 |
| Loan loss allowance to noncurrent loans | 61.4942% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 2.8265% | 1,695 |
| Noncurrent loans to loans | 4.4997% | 946 |
| Net loans and leases to total assets | 44.6803% | 5,759 |
| Net loans and leases to deposits | 58.4302% | 5,189 |
| Net loans and leases to core deposits | 62.5421% | 5,103 |
| Total domestic deposits to total assets | 76.4679% | 6,293 |
| Equity capital to assets | 10.0586% | 4,094 |
| Core capital (leverage) ratio | 9.0962% | 4,743 |
| Tier 1 risk-based capital ratio | 19.4683% | 1,824 |
| Total risk-based capital ratio | 20.7185% | 1,793 |
| Memoranda: | ||
| Average total assets | $908,947,000 | 726 |
| Average earning assets | $842,077,200 | 709 |
| Average equity | $87,828,400 | 789 |
| Average total loans | $430,531,200 | 970 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9703% | 5,601 |
| Cost of funding earning assets | 1.1795% | 759 |
| Net interest margin | 2.7908% | 6,517 |
| Noninterest income to average assets | 0.2729% | 5,603 |
| Noninterest expense to average assets | 2.1141% | 6,136 |
| Loan and lease loss provision to assets | 0.4341% | 1,458 |
| Net operating income to assets | 0.2105% | 5,890 |
| Return on assets (ROA) | 0.3075% | 5,792 |
| Pretax return on assets | 0.4458% | 5,609 |
| Return on Equity (ROE) | 3.2142% | 5,607 |
| Retained earnings to average equity (ytd only) | 3.2142% | 4,605 |
| Net charge-offs to loans | 1.7098% | 475 |
| Credit loss provision to net charge-offs | 53.2200% | 4,319 |
| Earnings coverage of net charge-offs (x) | 0.9064% | 4,875 |
| Efficiency ratio | 73.8928% | 3,003 |
| Assets per employee ($millions) | 4.5427% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8083% | 880 |
| Loan loss allowance to noncurrent loans | 42.4850% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 4.2517% | 1,111 |
| Noncurrent loans to loans | 6.6101% | 572 |
| Net loans and leases to total assets | 44.5854% | 5,920 |
| Net loans and leases to deposits | 58.2033% | 5,413 |
| Net loans and leases to core deposits | 64.4402% | 5,104 |
| Total domestic deposits to total assets | 76.6029% | 6,294 |
| Equity capital to assets | 9.9148% | 4,631 |
| Core capital (leverage) ratio | 8.9933% | 5,075 |
| Tier 1 risk-based capital ratio | 18.9662% | 2,021 |
| Total risk-based capital ratio | 20.2348% | 1,987 |
| Memoranda: | ||
| Average total assets | $913,655,000 | 726 |
| Average earning assets | $844,861,000 | 714 |
| Average equity | $87,402,250 | 795 |
| Average total loans | $435,908,000 | 963 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0280% | 5,562 |
| Cost of funding earning assets | 1.2197% | 754 |
| Net interest margin | 2.8083% | 6,562 |
| Noninterest income to average assets | 0.3802% | 4,798 |
| Noninterest expense to average assets | 2.0939% | 6,240 |
| Loan and lease loss provision to assets | 0.5835% | 1,029 |
| Net operating income to assets | 0.1980% | 5,923 |
| Return on assets (ROA) | 0.2927% | 5,848 |
| Pretax return on assets | 0.4334% | 5,623 |
| Return on Equity (ROE) | 3.0972% | 5,653 |
| Retained earnings to average equity (ytd only) | 3.0972% | 4,574 |
| Net charge-offs to loans | 1.9197% | 450 |
| Credit loss provision to net charge-offs | 62.9116% | 3,728 |
| Earnings coverage of net charge-offs (x) | 0.9461% | 4,561 |
| Efficiency ratio | 70.2834% | 3,715 |
| Assets per employee ($millions) | 4.5043% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9792% | 791 |
| Loan loss allowance to noncurrent loans | 44.9134% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 4.6135% | 1,059 |
| Noncurrent loans to loans | 6.6332% | 616 |
| Net loans and leases to total assets | 45.3982% | 5,881 |
| Net loans and leases to deposits | 58.9994% | 5,342 |
| Net loans and leases to core deposits | 66.4382% | 4,947 |
| Total domestic deposits to total assets | 76.9469% | 6,328 |
| Equity capital to assets | 9.6496% | 4,835 |
| Core capital (leverage) ratio | 8.7827% | 5,247 |
| Tier 1 risk-based capital ratio | 18.2972% | 2,196 |
| Total risk-based capital ratio | 19.5678% | 2,158 |
| Memoranda: | ||
| Average total assets | $916,875,000 | 724 |
| Average earning assets | $845,977,670 | 711 |
| Average equity | $86,660,000 | 795 |
| Average total loans | $442,978,670 | 943 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1222% | 5,376 |
| Cost of funding earning assets | 1.2616% | 739 |
| Net interest margin | 2.8606% | 6,537 |
| Noninterest income to average assets | 0.4533% | 4,273 |
| Noninterest expense to average assets | 2.1183% | 6,234 |
| Loan and lease loss provision to assets | 0.8475% | 551 |
| Net operating income to assets | 0.0781% | 6,281 |
| Return on assets (ROA) | 0.2269% | 6,045 |
| Pretax return on assets | 0.3590% | 5,837 |
| Return on Equity (ROE) | 2.4254% | 5,930 |
| Retained earnings to average equity (ytd only) | 2.4254% | 5,048 |
| Net charge-offs to loans | 1.4137% | 709 |
| Credit loss provision to net charge-offs | 122.1805% | 1,955 |
| Earnings coverage of net charge-offs (x) | 1.4041% | 3,623 |
| Efficiency ratio | 68.3345% | 4,108 |
| Assets per employee ($millions) | 4.4442% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2982% | 622 |
| Loan loss allowance to noncurrent loans | 64.5026% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 3.9829% | 1,388 |
| Noncurrent loans to loans | 5.1132% | 1,084 |
| Net loans and leases to total assets | 46.3558% | 5,742 |
| Net loans and leases to deposits | 61.0395% | 5,040 |
| Net loans and leases to core deposits | 70.2681% | 4,376 |
| Total domestic deposits to total assets | 75.9440% | 6,548 |
| Equity capital to assets | 9.3473% | 5,033 |
| Core capital (leverage) ratio | 8.6555% | 5,369 |
| Tier 1 risk-based capital ratio | 17.4357% | 2,502 |
| Total risk-based capital ratio | 18.7104% | 2,459 |
| Memoranda: | ||
| Average total assets | $920,376,000 | 725 |
| Average earning assets | $849,052,500 | 706 |
| Average equity | $86,090,500 | 800 |
| Average total loans | $451,593,000 | 915 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6177% | 4,600 |
| Cost of funding earning assets | 1.4567% | 848 |
| Net interest margin | 3.1610% | 6,188 |
| Noninterest income to average assets | 0.3898% | 4,706 |
| Noninterest expense to average assets | 2.1820% | 6,306 |
| Loan and lease loss provision to assets | 0.9257% | 1,036 |
| Net operating income to assets | 0.0580% | 5,948 |
| Return on assets (ROA) | 0.2033% | 5,711 |
| Pretax return on assets | 0.4193% | 5,232 |
| Return on Equity (ROE) | 2.2373% | 5,569 |
| Retained earnings to average equity (ytd only) | 2.2373% | 4,619 |
| Net charge-offs to loans | 1.3767% | 1,192 |
| Credit loss provision to net charge-offs | 127.6500% | 2,431 |
| Earnings coverage of net charge-offs (x) | 1.5415% | 4,618 |
| Efficiency ratio | 65.8946% | 4,793 |
| Assets per employee ($millions) | 4.3429% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0998% | 743 |
| Loan loss allowance to noncurrent loans | 71.1875% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 3.6730% | 1,600 |
| Noncurrent loans to loans | 4.3544% | 1,388 |
| Net loans and leases to total assets | 48.6491% | 5,762 |
| Net loans and leases to deposits | 64.0730% | 4,998 |
| Net loans and leases to core deposits | 74.2823% | 4,198 |
| Total domestic deposits to total assets | 75.9276% | 6,495 |
| Equity capital to assets | 9.3604% | 5,075 |
| Core capital (leverage) ratio | 8.6028% | 5,393 |
| Tier 1 risk-based capital ratio | 16.8114% | 2,686 |
| Total risk-based capital ratio | 18.0635% | 2,649 |
| Memoranda: | ||
| Average total assets | $923,639,800 | 707 |
| Average earning assets | $850,342,600 | 691 |
| Average equity | $83,940,200 | 797 |
| Average total loans | $486,524,000 | 855 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6334% | 4,729 |
| Cost of funding earning assets | 1.4960% | 876 |
| Net interest margin | 3.1374% | 6,325 |
| Noninterest income to average assets | 0.3211% | 5,299 |
| Noninterest expense to average assets | 2.1535% | 6,387 |
| Loan and lease loss provision to assets | 0.9292% | 951 |
| Net operating income to assets | 0.0807% | 6,005 |
| Return on assets (ROA) | 0.1900% | 5,857 |
| Pretax return on assets | 0.2930% | 5,716 |
| Return on Equity (ROE) | 2.1066% | 5,740 |
| Retained earnings to average equity (ytd only) | 2.1066% | 5,087 |
| Net charge-offs to loans | 1.5254% | 952 |
| Credit loss provision to net charge-offs | 114.3212% | 2,858 |
| Earnings coverage of net charge-offs (x) | 1.2969% | 4,646 |
| Efficiency ratio | 66.8763% | 4,547 |
| Assets per employee ($millions) | 4.2464% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6532% | 1,198 |
| Loan loss allowance to noncurrent loans | 85.1392% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 3.1030% | 2,061 |
| Noncurrent loans to loans | 3.1163% | 2,230 |
| Net loans and leases to total assets | 49.9138% | 5,713 |
| Net loans and leases to deposits | 66.5412% | 4,822 |
| Net loans and leases to core deposits | 76.9840% | 4,057 |
| Total domestic deposits to total assets | 75.0118% | 6,636 |
| Equity capital to assets | 9.4119% | 5,226 |
| Core capital (leverage) ratio | 8.5264% | 5,676 |
| Tier 1 risk-based capital ratio | 16.6258% | 2,796 |
| Total risk-based capital ratio | 17.8758% | 2,761 |
| Memoranda: | ||
| Average total assets | $925,460,750 | 712 |
| Average earning assets | $851,476,750 | 698 |
| Average equity | $83,481,500 | 808 |
| Average total loans | $493,140,000 | 860 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6926% | 4,555 |
| Cost of funding earning assets | 1.5152% | 955 |
| Net interest margin | 3.1774% | 6,222 |
| Noninterest income to average assets | 0.2635% | 5,766 |
| Noninterest expense to average assets | 2.1685% | 6,458 |
| Loan and lease loss provision to assets | 0.8942% | 1,001 |
| Net operating income to assets | 0.0767% | 6,065 |
| Return on assets (ROA) | 0.1739% | 5,917 |
| Pretax return on assets | 0.2730% | 5,733 |
| Return on Equity (ROE) | 1.9556% | 5,802 |
| Retained earnings to average equity (ytd only) | 1.9556% | 5,001 |
| Net charge-offs to loans | 1.4458% | 1,038 |
| Credit loss provision to net charge-offs | 114.6409% | 2,671 |
| Earnings coverage of net charge-offs (x) | 1.3017% | 4,309 |
| Efficiency ratio | 67.7991% | 4,552 |
| Assets per employee ($millions) | 4.2341% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5509% | 1,370 |
| Loan loss allowance to noncurrent loans | 117.1275% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 2.5972% | 2,562 |
| Noncurrent loans to loans | 2.1779% | 3,246 |
| Net loans and leases to total assets | 50.4932% | 5,755 |
| Net loans and leases to deposits | 67.5751% | 4,773 |
| Net loans and leases to core deposits | 78.8055% | 3,960 |
| Total domestic deposits to total assets | 74.7216% | 6,761 |
| Equity capital to assets | 9.1681% | 5,326 |
| Core capital (leverage) ratio | 8.4039% | 5,703 |
| Tier 1 risk-based capital ratio | 16.1302% | 2,913 |
| Total risk-based capital ratio | 17.3801% | 2,885 |
| Memoranda: | ||
| Average total assets | $928,207,670 | 720 |
| Average earning assets | $853,090,330 | 708 |
| Average equity | $82,532,670 | 815 |
| Average total loans | $500,754,330 | 863 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7234% | 4,404 |
| Cost of funding earning assets | 1.5384% | 1,023 |
| Net interest margin | 3.1850% | 6,116 |
| Noninterest income to average assets | 0.0400% | 7,182 |
| Noninterest expense to average assets | 2.1607% | 6,514 |
| Loan and lease loss provision to assets | 0.7950% | 1,065 |
| Net operating income to assets | 0.0051% | 6,338 |
| Return on assets (ROA) | 0.1311% | 6,061 |
| Pretax return on assets | 0.2054% | 5,930 |
| Return on Equity (ROE) | 1.4972% | 5,986 |
| Retained earnings to average equity (ytd only) | 1.4972% | 5,217 |
| Net charge-offs to loans | 1.4383% | 946 |
| Credit loss provision to net charge-offs | 100.4889% | 2,632 |
| Earnings coverage of net charge-offs (x) | 1.0158% | 3,893 |
| Efficiency ratio | 72.5573% | 3,760 |
| Assets per employee ($millions) | 4.2730% | 3,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3619% | 1,657 |
| Loan loss allowance to noncurrent loans | 96.6725% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 2.8359% | 2,431 |
| Noncurrent loans to loans | 2.4432% | 3,046 |
| Net loans and leases to total assets | 51.8299% | 5,602 |
| Net loans and leases to deposits | 69.3401% | 4,458 |
| Net loans and leases to core deposits | 82.3848% | 3,404 |
| Total domestic deposits to total assets | 74.7474% | 6,827 |
| Equity capital to assets | 8.7398% | 5,593 |
| Core capital (leverage) ratio | 8.2460% | 5,908 |
| Tier 1 risk-based capital ratio | 15.3562% | 3,232 |
| Total risk-based capital ratio | 16.6062% | 3,197 |
| Memoranda: | ||
| Average total assets | $930,798,000 | 724 |
| Average earning assets | $854,640,500 | 710 |
| Average equity | $81,487,000 | 815 |
| Average total loans | $511,998,500 | 855 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9961% | 4,580 |
| Cost of funding earning assets | 1.8704% | 939 |
| Net interest margin | 3.1257% | 6,448 |
| Noninterest income to average assets | 0.3211% | 5,486 |
| Noninterest expense to average assets | 2.2424% | 6,505 |
| Loan and lease loss provision to assets | 0.9043% | 1,806 |
| Net operating income to assets | 0.0295% | 5,752 |
| Return on assets (ROA) | 0.1969% | 5,446 |
| Pretax return on assets | 0.3146% | 5,190 |
| Return on Equity (ROE) | 2.3729% | 5,233 |
| Retained earnings to average equity (ytd only) | 2.3729% | 4,212 |
| Net charge-offs to loans | 1.0782% | 2,060 |
| Credit loss provision to net charge-offs | 141.4522% | 2,654 |
| Earnings coverage of net charge-offs (x) | 1.4975% | 4,632 |
| Efficiency ratio | 69.7822% | 4,225 |
| Assets per employee ($millions) | 4.1337% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2041% | 1,858 |
| Loan loss allowance to noncurrent loans | 51.8319% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 4.0200% | 1,692 |
| Noncurrent loans to loans | 4.2524% | 1,706 |
| Net loans and leases to total assets | 55.6772% | 5,391 |
| Net loans and leases to deposits | 74.4729% | 4,122 |
| Net loans and leases to core deposits | 87.4341% | 3,127 |
| Total domestic deposits to total assets | 74.7617% | 6,799 |
| Equity capital to assets | 8.7693% | 5,483 |
| Core capital (leverage) ratio | 8.2275% | 5,789 |
| Tier 1 risk-based capital ratio | 14.3033% | 3,675 |
| Total risk-based capital ratio | 15.5533% | 3,629 |
| Memoranda: | ||
| Average total assets | $954,301,800 | 703 |
| Average earning assets | $878,880,000 | 688 |
| Average equity | $79,184,400 | 831 |
| Average total loans | $565,874,600 | 795 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0367% | 4,642 |
| Cost of funding earning assets | 1.9152% | 981 |
| Net interest margin | 3.1215% | 6,558 |
| Noninterest income to average assets | 0.3238% | 5,567 |
| Noninterest expense to average assets | 2.2108% | 6,577 |
| Loan and lease loss provision to assets | 0.9344% | 1,613 |
| Net operating income to assets | 0.0325% | 5,921 |
| Return on assets (ROA) | 0.1970% | 5,675 |
| Pretax return on assets | 0.3129% | 5,469 |
| Return on Equity (ROE) | 2.4074% | 5,462 |
| Retained earnings to average equity (ytd only) | 2.4074% | 4,734 |
| Net charge-offs to loans | 1.2413% | 1,643 |
| Credit loss provision to net charge-offs | 125.7239% | 3,252 |
| Earnings coverage of net charge-offs (x) | 1.3325% | 4,748 |
| Efficiency ratio | 68.7687% | 4,315 |
| Assets per employee ($millions) | 4.1531% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9846% | 2,264 |
| Loan loss allowance to noncurrent loans | 55.3955% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 3.7037% | 1,921 |
| Noncurrent loans to loans | 3.5826% | 2,191 |
| Net loans and leases to total assets | 56.5480% | 5,477 |
| Net loans and leases to deposits | 76.0794% | 4,164 |
| Net loans and leases to core deposits | 89.5747% | 3,155 |
| Total domestic deposits to total assets | 74.3276% | 6,882 |
| Equity capital to assets | 8.8251% | 5,817 |
| Core capital (leverage) ratio | 8.0505% | 6,276 |
| Tier 1 risk-based capital ratio | 13.9135% | 3,906 |
| Total risk-based capital ratio | 15.1635% | 3,868 |
| Memoranda: | ||
| Average total assets | $960,356,250 | 695 |
| Average earning assets | $885,241,000 | 680 |
| Average equity | $78,590,000 | 841 |
| Average total loans | $574,964,250 | 790 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0681% | 4,621 |
| Cost of funding earning assets | 1.9287% | 1,114 |
| Net interest margin | 3.1395% | 6,492 |
| Noninterest income to average assets | 0.3339% | 5,479 |
| Noninterest expense to average assets | 2.2201% | 6,600 |
| Loan and lease loss provision to assets | 0.9494% | 1,545 |
| Net operating income to assets | 0.0378% | 6,018 |
| Return on assets (ROA) | 0.1691% | 5,789 |
| Pretax return on assets | 0.2678% | 5,604 |
| Return on Equity (ROE) | 2.1214% | 5,596 |
| Retained earnings to average equity (ytd only) | 2.1214% | 4,794 |
| Net charge-offs to loans | 0.9368% | 1,963 |
| Credit loss provision to net charge-offs | 167.2754% | 2,348 |
| Earnings coverage of net charge-offs (x) | 1.7831% | 4,180 |
| Efficiency ratio | 68.3940% | 4,497 |
| Assets per employee ($millions) | 4.1899% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9648% | 2,267 |
| Loan loss allowance to noncurrent loans | 41.4245% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 3.9259% | 1,764 |
| Noncurrent loans to loans | 4.7430% | 1,494 |
| Net loans and leases to total assets | 58.7950% | 5,285 |
| Net loans and leases to deposits | 79.7391% | 3,644 |
| Net loans and leases to core deposits | 92.0898% | 2,970 |
| Total domestic deposits to total assets | 73.7343% | 7,003 |
| Equity capital to assets | 8.1787% | 6,568 |
| Core capital (leverage) ratio | 7.4544% | 6,867 |
| Tier 1 risk-based capital ratio | 12.5396% | 4,822 |
| Total risk-based capital ratio | 13.7894% | 4,799 |
| Memoranda: | ||
| Average total assets | $964,838,670 | 684 |
| Average earning assets | $890,665,330 | 672 |
| Average equity | $76,931,330 | 856 |
| Average total loans | $584,519,000 | 776 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0810% | 4,627 |
| Cost of funding earning assets | 1.9370% | 1,297 |
| Net interest margin | 3.1440% | 6,477 |
| Noninterest income to average assets | 0.2249% | 6,352 |
| Noninterest expense to average assets | 2.2044% | 6,677 |
| Loan and lease loss provision to assets | 1.1080% | 1,105 |
| Net operating income to assets | -0.1194% | 6,448 |
| Return on assets (ROA) | 0.0637% | 6,229 |
| Pretax return on assets | 0.0963% | 6,148 |
| Return on Equity (ROE) | 0.8088% | 6,174 |
| Retained earnings to average equity (ytd only) | 0.8088% | 5,495 |
| Net charge-offs to loans | 1.2664% | 1,347 |
| Credit loss provision to net charge-offs | 143.6997% | 2,475 |
| Earnings coverage of net charge-offs (x) | 1.2021% | 4,044 |
| Efficiency ratio | 70.0951% | 4,284 |
| Assets per employee ($millions) | 4.2478% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 2,804 |
| Loan loss allowance to noncurrent loans | 34.9624% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 4.1902% | 1,625 |
| Noncurrent loans to loans | 5.0800% | 1,413 |
| Net loans and leases to total assets | 59.4838% | 5,205 |
| Net loans and leases to deposits | 81.3232% | 3,401 |
| Net loans and leases to core deposits | 98.6555% | 2,277 |
| Total domestic deposits to total assets | 73.1449% | 7,147 |
| Equity capital to assets | 7.9892% | 6,665 |
| Core capital (leverage) ratio | 7.4005% | 6,934 |
| Tier 1 risk-based capital ratio | 12.0788% | 5,109 |
| Total risk-based capital ratio | 13.3328% | 5,075 |
| Memoranda: | ||
| Average total assets | $967,511,500 | 700 |
| Average earning assets | $894,389,500 | 683 |
| Average equity | $76,160,000 | 869 |
| Average total loans | $589,058,500 | 787 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3417% | 4,978 |
| Cost of funding earning assets | 2.3365% | 1,504 |
| Net interest margin | 3.0052% | 6,634 |
| Noninterest income to average assets | 0.4840% | 4,534 |
| Noninterest expense to average assets | 2.2832% | 6,792 |
| Loan and lease loss provision to assets | 0.7491% | 2,866 |
| Net operating income to assets | 0.1600% | 5,020 |
| Return on assets (ROA) | 0.2403% | 4,840 |
| Pretax return on assets | 0.3878% | 4,528 |
| Return on Equity (ROE) | 3.1501% | 4,437 |
| Retained earnings to average equity (ytd only) | 3.1501% | 2,956 |
| Net charge-offs to loans | 0.8822% | 2,629 |
| Credit loss provision to net charge-offs | 135.2733% | 3,665 |
| Earnings coverage of net charge-offs (x) | 1.8263% | 4,354 |
| Efficiency ratio | 69.0170% | 4,825 |
| Assets per employee ($millions) | 4.3140% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 3,360 |
| Loan loss allowance to noncurrent loans | 24.5748% | 6,827 |
| Noncurrent assets plus other real estate owned to assets | 4.2821% | 1,529 |
| Noncurrent loans to loans | 6.4264% | 945 |
| Net loans and leases to total assets | 60.2341% | 5,300 |
| Net loans and leases to deposits | 87.0329% | 2,731 |
| Net loans and leases to core deposits | 121.3857% | 1,846 |
| Total domestic deposits to total assets | 69.2083% | 7,478 |
| Equity capital to assets | 7.7571% | 6,812 |
| Core capital (leverage) ratio | 7.2018% | 7,070 |
| Tier 1 risk-based capital ratio | 11.6878% | 5,210 |
| Total risk-based capital ratio | 12.9377% | 5,171 |
| Memoranda: | ||
| Average total assets | $971,130,200 | 690 |
| Average earning assets | $908,254,200 | 666 |
| Average equity | $74,092,800 | 875 |
| Average total loans | $609,579,400 | 767 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3181% | 5,329 |
| Cost of funding earning assets | 2.4378% | 1,497 |
| Net interest margin | 2.8803% | 6,903 |
| Noninterest income to average assets | 0.4858% | 4,615 |
| Noninterest expense to average assets | 2.2715% | 6,779 |
| Loan and lease loss provision to assets | 0.6604% | 2,766 |
| Net operating income to assets | 0.1552% | 5,305 |
| Return on assets (ROA) | 0.2248% | 5,156 |
| Pretax return on assets | 0.3613% | 4,902 |
| Return on Equity (ROE) | 2.9591% | 4,815 |
| Retained earnings to average equity (ytd only) | 2.9591% | 3,674 |
| Net charge-offs to loans | 0.8220% | 2,320 |
| Credit loss provision to net charge-offs | 127.1860% | 3,952 |
| Earnings coverage of net charge-offs (x) | 1.7583% | 4,477 |
| Efficiency ratio | 71.0360% | 4,417 |
| Assets per employee ($millions) | 4.2134% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 3,876 |
| Loan loss allowance to noncurrent loans | 25.5896% | 6,750 |
| Noncurrent assets plus other real estate owned to assets | 3.6729% | 1,782 |
| Noncurrent loans to loans | 5.5208% | 1,131 |
| Net loans and leases to total assets | 61.0891% | 5,407 |
| Net loans and leases to deposits | 89.9000% | 2,603 |
| Net loans and leases to core deposits | 124.5745% | 1,852 |
| Total domestic deposits to total assets | 67.9523% | 7,577 |
| Equity capital to assets | 7.7077% | 7,141 |
| Core capital (leverage) ratio | 7.1128% | 7,357 |
| Tier 1 risk-based capital ratio | 11.2360% | 5,706 |
| Total risk-based capital ratio | 12.4859% | 5,656 |
| Memoranda: | ||
| Average total assets | $969,094,000 | 704 |
| Average earning assets | $907,998,500 | 678 |
| Average equity | $73,625,250 | 893 |
| Average total loans | $612,143,750 | 782 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4175% | 5,047 |
| Cost of funding earning assets | 2.5492% | 1,453 |
| Net interest margin | 2.8684% | 6,868 |
| Noninterest income to average assets | 0.5103% | 4,357 |
| Noninterest expense to average assets | 2.3271% | 6,684 |
| Loan and lease loss provision to assets | 0.6633% | 2,444 |
| Net operating income to assets | 0.1283% | 5,481 |
| Return on assets (ROA) | 0.1799% | 5,419 |
| Pretax return on assets | 0.2881% | 5,233 |
| Return on Equity (ROE) | 2.3799% | 5,145 |
| Retained earnings to average equity (ytd only) | 2.3799% | 4,008 |
| Net charge-offs to loans | 0.7355% | 2,210 |
| Credit loss provision to net charge-offs | 141.8440% | 3,282 |
| Earnings coverage of net charge-offs (x) | 1.8621% | 4,174 |
| Efficiency ratio | 72.4786% | 4,319 |
| Assets per employee ($millions) | 4.1506% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 3,826 |
| Loan loss allowance to noncurrent loans | 43.7073% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 2.1756% | 2,968 |
| Noncurrent loans to loans | 3.1619% | 2,256 |
| Net loans and leases to total assets | 62.2749% | 5,310 |
| Net loans and leases to deposits | 90.6491% | 2,726 |
| Net loans and leases to core deposits | 125.9442% | 1,883 |
| Total domestic deposits to total assets | 68.6989% | 7,573 |
| Equity capital to assets | 7.5816% | 7,195 |
| Core capital (leverage) ratio | 7.0710% | 7,485 |
| Tier 1 risk-based capital ratio | 11.0841% | 5,793 |
| Total risk-based capital ratio | 12.3340% | 5,713 |
| Memoranda: | ||
| Average total assets | $964,888,000 | 722 |
| Average earning assets | $904,065,000 | 696 |
| Average equity | $72,944,670 | 912 |
| Average total loans | $613,420,670 | 801 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4817% | 5,008 |
| Cost of funding earning assets | 2.6152% | 1,510 |
| Net interest margin | 2.8665% | 6,843 |
| Noninterest income to average assets | 0.5181% | 4,154 |
| Noninterest expense to average assets | 2.1846% | 6,908 |
| Loan and lease loss provision to assets | 0.7503% | 1,720 |
| Net operating income to assets | 0.1676% | 5,766 |
| Return on assets (ROA) | 0.2017% | 5,819 |
| Pretax return on assets | 0.3235% | 5,609 |
| Return on Equity (ROE) | 2.6725% | 5,501 |
| Retained earnings to average equity (ytd only) | 2.6725% | 4,395 |
| Net charge-offs to loans | 0.6907% | 1,803 |
| Credit loss provision to net charge-offs | 170.2933% | 2,520 |
| Earnings coverage of net charge-offs (x) | 2.3160% | 3,575 |
| Efficiency ratio | 67.8632% | 4,989 |
| Assets per employee ($millions) | 4.2803% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 3,844 |
| Loan loss allowance to noncurrent loans | 64.3017% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.4976% | 3,686 |
| Noncurrent loans to loans | 2.0867% | 3,139 |
| Net loans and leases to total assets | 62.0730% | 5,308 |
| Net loans and leases to deposits | 91.6261% | 2,667 |
| Net loans and leases to core deposits | 128.8747% | 1,723 |
| Total domestic deposits to total assets | 67.7460% | 7,611 |
| Equity capital to assets | 7.4737% | 7,370 |
| Core capital (leverage) ratio | 6.9586% | 7,661 |
| Tier 1 risk-based capital ratio | 10.9316% | 5,961 |
| Total risk-based capital ratio | 12.1816% | 5,873 |
| Memoranda: | ||
| Average total assets | $959,636,500 | 727 |
| Average earning assets | $899,500,500 | 701 |
| Average equity | $72,442,000 | 925 |
| Average total loans | $612,163,000 | 804 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8700% | 6,181 |
| Cost of funding earning assets | 3.3622% | 782 |
| Net interest margin | 2.5077% | 7,745 |
| Noninterest income to average assets | 0.5584% | 4,172 |
| Noninterest expense to average assets | 2.2067% | 6,945 |
| Loan and lease loss provision to assets | 0.1684% | 5,224 |
| Net operating income to assets | 0.3445% | 5,378 |
| Return on assets (ROA) | 0.3978% | 4,968 |
| Pretax return on assets | 0.6007% | 4,688 |
| Return on Equity (ROE) | 5.9851% | 3,949 |
| Retained earnings to average equity (ytd only) | 5.9851% | 1,540 |
| Net charge-offs to loans | 0.2350% | 3,898 |
| Credit loss provision to net charge-offs | 112.9900% | 4,775 |
| Earnings coverage of net charge-offs (x) | 4.6188% | 3,919 |
| Efficiency ratio | 75.8607% | 3,254 |
| Assets per employee ($millions) | 4.0293% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 4,123 |
| Loan loss allowance to noncurrent loans | 68.3740% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 1.2437% | 3,738 |
| Noncurrent loans to loans | 1.8300% | 3,017 |
| Net loans and leases to total assets | 63.9018% | 5,289 |
| Net loans and leases to deposits | 95.4105% | 2,545 |
| Net loans and leases to core deposits | 129.9054% | 1,860 |
| Total domestic deposits to total assets | 66.9756% | 7,578 |
| Equity capital to assets | 7.6281% | 7,279 |
| Core capital (leverage) ratio | 7.2770% | 7,440 |
| Tier 1 risk-based capital ratio | 11.1798% | 5,557 |
| Total risk-based capital ratio | 12.4298% | 5,444 |
| Memoranda: | ||
| Average total assets | $872,861,000 | 773 |
| Average earning assets | $813,327,800 | 746 |
| Average equity | $58,011,000 | 1,156 |
| Average total loans | $553,526,800 | 866 |