Home > Security Savings Bank > Performance and Condition Ratios
Security Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6482% | 3,689 |
| Cost of funding earning assets | 1.4236% | 3,370 |
| Net interest margin | 3.2247% | 2,959 |
| Noninterest income to average assets | 0.4200% | 2,117 |
| Noninterest expense to average assets | 2.5250% | 2,228 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 0.7249% | 3,040 |
| Return on assets (ROA) | 0.7249% | 3,047 |
| Pretax return on assets | 0.8362% | 3,112 |
| Return on Equity (ROE) | 7.8200% | 2,907 |
| Retained earnings to average equity (ytd only) | 7.8153% | 1,738 |
| Net charge-offs to loans | 0.1074% | 791 |
| Credit loss provision to net charge-offs | 73.1707% | 1,439 |
| Earnings coverage of net charge-offs (x) | 13.1951% | 1,605 |
| Efficiency ratio | 74.0403% | 1,434 |
| Assets per employee ($millions) | 6.9471% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 2,850 |
| Loan loss allowance to noncurrent loans | 727.5556% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 3,055 |
| Noncurrent loans to loans | 0.1476% | 2,963 |
| Net loans and leases to total assets | 62.0300% | 2,694 |
| Net loans and leases to deposits | 69.0434% | 2,919 |
| Net loans and leases to core deposits | 73.8692% | 3,086 |
| Total domestic deposits to total assets | 89.8400% | 866 |
| Equity capital to assets | 9.5077% | 2,565 |
| Core capital (leverage) ratio | 11.5618% | 1,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $244,438,000 | 2,758 |
| Average earning assets | $226,753,000 | 2,757 |
| Average equity | $22,673,500 | 2,845 |
| Average total loans | $152,733,000 | 2,745 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3892% | 3,997 |
| Cost of funding earning assets | 1.5519% | 3,260 |
| Net interest margin | 2.8372% | 3,423 |
| Noninterest income to average assets | 0.4300% | 2,281 |
| Noninterest expense to average assets | 2.3930% | 2,595 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.5277% | 3,404 |
| Return on assets (ROA) | 0.5277% | 3,426 |
| Pretax return on assets | 0.6370% | 3,395 |
| Return on Equity (ROE) | 6.1000% | 3,268 |
| Retained earnings to average equity (ytd only) | 6.0987% | 1,790 |
| Net charge-offs to loans | 0.0396% | 1,795 |
| Credit loss provision to net charge-offs | 103.4483% | 1,845 |
| Earnings coverage of net charge-offs (x) | 28.1724% | 1,577 |
| Efficiency ratio | 78.3490% | 1,174 |
| Assets per employee ($millions) | 6.8257% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 2,806 |
| Loan loss allowance to noncurrent loans | 608.1181% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 2,930 |
| Noncurrent loans to loans | 0.1771% | 2,796 |
| Net loans and leases to total assets | 61.6000% | 2,792 |
| Net loans and leases to deposits | 71.3242% | 2,846 |
| Net loans and leases to core deposits | 76.7519% | 2,994 |
| Total domestic deposits to total assets | 86.3600% | 2,097 |
| Equity capital to assets | 9.0463% | 2,782 |
| Core capital (leverage) ratio | 11.5901% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $247,100,200 | 2,719 |
| Average earning assets | $228,814,200 | 2,721 |
| Average equity | $21,381,600 | 2,875 |
| Average total loans | $146,478,400 | 2,760 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 4,035 |
| Cost of funding earning assets | 1.5268% | 3,308 |
| Net interest margin | 2.7998% | 3,452 |
| Noninterest income to average assets | 0.4300% | 2,252 |
| Noninterest expense to average assets | 2.3687% | 2,617 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.5286% | 3,396 |
| Return on assets (ROA) | 0.5286% | 3,420 |
| Pretax return on assets | 0.6358% | 3,408 |
| Return on Equity (ROE) | 6.1800% | 3,271 |
| Retained earnings to average equity (ytd only) | 6.1785% | 2,027 |
| Net charge-offs to loans | 0.0377% | 1,579 |
| Credit loss provision to net charge-offs | 73.1707% | 1,903 |
| Earnings coverage of net charge-offs (x) | 29.5122% | 1,531 |
| Efficiency ratio | 78.4160% | 1,192 |
| Assets per employee ($millions) | 6.7643% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 2,685 |
| Loan loss allowance to noncurrent loans | 537.8289% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 2,871 |
| Noncurrent loans to loans | 0.2071% | 2,706 |
| Net loans and leases to total assets | 59.6100% | 2,954 |
| Net loans and leases to deposits | 69.3215% | 3,038 |
| Net loans and leases to core deposits | 73.7437% | 3,196 |
| Total domestic deposits to total assets | 85.9900% | 1,939 |
| Equity capital to assets | 9.4003% | 2,745 |
| Core capital (leverage) ratio | 11.3640% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $247,443,750 | 2,710 |
| Average earning assets | $229,150,000 | 2,715 |
| Average equity | $21,169,750 | 2,887 |
| Average total loans | $144,846,750 | 2,767 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2387% | 4,096 |
| Cost of funding earning assets | 1.4375% | 3,415 |
| Net interest margin | 2.8012% | 3,415 |
| Noninterest income to average assets | 0.4100% | 2,325 |
| Noninterest expense to average assets | 2.3340% | 2,695 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 0.5331% | 3,351 |
| Return on assets (ROA) | 0.5331% | 3,377 |
| Pretax return on assets | 0.6416% | 3,357 |
| Return on Equity (ROE) | 6.4400% | 3,146 |
| Retained earnings to average equity (ytd only) | 6.4381% | 1,847 |
| Net charge-offs to loans | 0.0458% | 1,331 |
| Credit loss provision to net charge-offs | 90.9091% | 1,575 |
| Earnings coverage of net charge-offs (x) | 25.0909% | 1,503 |
| Efficiency ratio | 77.8076% | 1,306 |
| Assets per employee ($millions) | 6.6438% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 2,621 |
| Loan loss allowance to noncurrent loans | 538.6885% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 2,827 |
| Noncurrent loans to loans | 0.2095% | 2,646 |
| Net loans and leases to total assets | 58.5600% | 3,085 |
| Net loans and leases to deposits | 67.4144% | 3,161 |
| Net loans and leases to core deposits | 71.1820% | 3,303 |
| Total domestic deposits to total assets | 86.8600% | 1,700 |
| Equity capital to assets | 8.5590% | 3,060 |
| Core capital (leverage) ratio | 11.2214% | 1,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $248,753,667 | 2,702 |
| Average earning assets | $229,976,667 | 2,704 |
| Average equity | $20,596,000 | 2,892 |
| Average total loans | $144,197,333 | 2,772 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1112% | 4,164 |
| Cost of funding earning assets | 1.3514% | 3,470 |
| Net interest margin | 2.7598% | 3,447 |
| Noninterest income to average assets | 0.4100% | 2,241 |
| Noninterest expense to average assets | 2.3036% | 2,786 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 0.4860% | 3,432 |
| Return on assets (ROA) | 0.4860% | 3,456 |
| Pretax return on assets | 0.6075% | 3,377 |
| Return on Equity (ROE) | 5.9700% | 3,226 |
| Retained earnings to average equity (ytd only) | 5.9684% | 2,119 |
| Net charge-offs to loans | 0.0028% | 2,067 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 410.0000% | 231 |
| Efficiency ratio | 77.8498% | 1,365 |
| Assets per employee ($millions) | 6.6436% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 2,503 |
| Loan loss allowance to noncurrent loans | 381.5490% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 2,467 |
| Noncurrent loans to loans | 0.3035% | 2,226 |
| Net loans and leases to total assets | 58.1700% | 3,038 |
| Net loans and leases to deposits | 65.2343% | 3,218 |
| Net loans and leases to core deposits | 68.6206% | 3,403 |
| Total domestic deposits to total assets | 89.1700% | 1,055 |
| Equity capital to assets | 8.3160% | 3,145 |
| Core capital (leverage) ratio | 10.9301% | 2,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $250,219,500 | 2,696 |
| Average earning assets | $231,466,000 | 2,698 |
| Average equity | $20,374,000 | 2,923 |
| Average total loans | $143,498,500 | 2,782 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6925% | 4,279 |
| Cost of funding earning assets | 1.1549% | 2,922 |
| Net interest margin | 2.5376% | 4,055 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.1588% | 3,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5032% | 3,667 |
| Return on assets (ROA) | 0.5032% | 3,663 |
| Pretax return on assets | 0.5909% | 3,652 |
| Return on Equity (ROE) | 6.8700% | 3,311 |
| Retained earnings to average equity (ytd only) | 6.8686% | 1,926 |
| Net charge-offs to loans | 0.0295% | 1,712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 37.0750% | 1,494 |
| Efficiency ratio | 78.5104% | 1,028 |
| Assets per employee ($millions) | 6.8812% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 2,518 |
| Loan loss allowance to noncurrent loans | 391.9048% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 2,438 |
| Noncurrent loans to loans | 0.2951% | 2,122 |
| Net loans and leases to total assets | 55.2600% | 3,257 |
| Net loans and leases to deposits | 64.4723% | 3,265 |
| Net loans and leases to core deposits | 67.3766% | 3,440 |
| Total domestic deposits to total assets | 85.7000% | 2,109 |
| Equity capital to assets | 7.9673% | 3,443 |
| Core capital (leverage) ratio | 10.9059% | 2,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $250,978,000 | 2,679 |
| Average earning assets | $231,280,600 | 2,680 |
| Average equity | $18,388,000 | 2,981 |
| Average total loans | $135,422,000 | 2,811 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6262% | 4,286 |
| Cost of funding earning assets | 1.0558% | 2,874 |
| Net interest margin | 2.5704% | 4,064 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.1791% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5278% | 3,704 |
| Return on assets (ROA) | 0.5278% | 3,688 |
| Pretax return on assets | 0.6099% | 3,721 |
| Return on Equity (ROE) | 7.3700% | 3,335 |
| Retained earnings to average equity (ytd only) | 7.3685% | 2,179 |
| Net charge-offs to loans | 0.0020% | 2,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 572.0000% | 275 |
| Efficiency ratio | 78.1304% | 1,000 |
| Assets per employee ($millions) | 7.0529% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 2,526 |
| Loan loss allowance to noncurrent loans | 409.3023% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 2,532 |
| Noncurrent loans to loans | 0.2852% | 2,215 |
| Net loans and leases to total assets | 54.3200% | 3,335 |
| Net loans and leases to deposits | 62.9695% | 3,333 |
| Net loans and leases to core deposits | 65.8974% | 3,432 |
| Total domestic deposits to total assets | 86.2700% | 2,112 |
| Equity capital to assets | 7.1816% | 3,522 |
| Core capital (leverage) ratio | 10.8478% | 2,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $250,071,500 | 2,684 |
| Average earning assets | $230,725,000 | 2,687 |
| Average equity | $17,913,750 | 3,010 |
| Average total loans | $133,695,250 | 2,831 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5239% | 4,323 |
| Cost of funding earning assets | 0.9200% | 2,862 |
| Net interest margin | 2.6040% | 4,110 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.1756% | 3,150 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5423% | 3,719 |
| Return on assets (ROA) | 0.5423% | 3,726 |
| Pretax return on assets | 0.6443% | 3,714 |
| Return on Equity (ROE) | 7.5800% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.5769% | 2,104 |
| Net charge-offs to loans | 0.0015% | 2,341 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 809.0000% | 183 |
| Efficiency ratio | 77.1533% | 1,078 |
| Assets per employee ($millions) | 6.9535% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 2,510 |
| Loan loss allowance to noncurrent loans | 406.6667% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 2,460 |
| Noncurrent loans to loans | 0.2916% | 2,091 |
| Net loans and leases to total assets | 52.8000% | 3,351 |
| Net loans and leases to deposits | 59.8173% | 3,434 |
| Net loans and leases to core deposits | 62.2379% | 3,528 |
| Total domestic deposits to total assets | 88.2700% | 1,505 |
| Equity capital to assets | 7.2913% | 3,645 |
| Core capital (leverage) ratio | 10.7395% | 2,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $251,144,667 | 2,687 |
| Average earning assets | $232,185,667 | 2,691 |
| Average equity | $17,975,667 | 3,025 |
| Average total loans | $133,033,000 | 2,836 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3731% | 4,392 |
| Cost of funding earning assets | 0.8210% | 2,652 |
| Net interest margin | 2.5522% | 4,257 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.1689% | 3,188 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5041% | 3,889 |
| Return on assets (ROA) | 0.5041% | 3,852 |
| Pretax return on assets | 0.5756% | 3,885 |
| Return on Equity (ROE) | 7.1100% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.1086% | 2,465 |
| Net charge-offs to loans | 0.0030% | 1,904 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 362.0000% | 312 |
| Efficiency ratio | 79.0267% | 903 |
| Assets per employee ($millions) | 6.9190% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 2,521 |
| Loan loss allowance to noncurrent loans | 450.2841% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 2,518 |
| Noncurrent loans to loans | 0.2678% | 2,187 |
| Net loans and leases to total assets | 52.1300% | 3,337 |
| Net loans and leases to deposits | 56.4936% | 3,545 |
| Net loans and leases to core deposits | 58.7667% | 3,593 |
| Total domestic deposits to total assets | 92.2700% | 452 |
| Equity capital to assets | 7.3007% | 3,674 |
| Core capital (leverage) ratio | 10.2727% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $251,553,500 | 2,724 |
| Average earning assets | $232,899,500 | 2,718 |
| Average equity | $17,837,500 | 3,058 |
| Average total loans | $132,669,500 | 2,873 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8537% | 4,277 |
| Cost of funding earning assets | 0.4715% | 1,577 |
| Net interest margin | 2.3822% | 4,370 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.0434% | 3,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4674% | 4,140 |
| Return on assets (ROA) | 0.4653% | 4,102 |
| Pretax return on assets | 0.5890% | 4,042 |
| Return on Equity (ROE) | 6.2200% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.2246% | 2,563 |
| Net charge-offs to loans | 0.0185% | 1,729 |
| Credit loss provision to net charge-offs | 41.6667% | 1,852 |
| Earnings coverage of net charge-offs (x) | 63.1667% | 1,217 |
| Efficiency ratio | 77.4270% | 891 |
| Assets per employee ($millions) | 7.0562% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 2,465 |
| Loan loss allowance to noncurrent loans | 425.2011% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 2,510 |
| Noncurrent loans to loans | 0.2785% | 2,154 |
| Net loans and leases to total assets | 52.0900% | 3,351 |
| Net loans and leases to deposits | 57.4028% | 3,495 |
| Net loans and leases to core deposits | 59.6379% | 3,531 |
| Total domestic deposits to total assets | 90.7500% | 1,038 |
| Equity capital to assets | 6.8852% | 3,716 |
| Core capital (leverage) ratio | 10.4275% | 2,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $254,482,800 | 2,698 |
| Average earning assets | $237,091,800 | 2,692 |
| Average equity | $19,021,200 | 3,034 |
| Average total loans | $129,421,000 | 2,831 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8627% | 4,111 |
| Cost of funding earning assets | 0.4153% | 1,188 |
| Net interest margin | 2.4474% | 4,263 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.0284% | 3,408 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.5506% | 3,973 |
| Return on assets (ROA) | 0.5477% | 3,917 |
| Pretax return on assets | 0.6733% | 3,849 |
| Return on Equity (ROE) | 7.1700% | 3,558 |
| Retained earnings to average equity (ytd only) | 7.1696% | 2,314 |
| Net charge-offs to loans | 0.0010% | 2,285 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 1,303.0000% | 105 |
| Efficiency ratio | 74.8310% | 1,192 |
| Assets per employee ($millions) | 6.8633% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,281 |
| Loan loss allowance to noncurrent loans | 429.0667% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 2,552 |
| Noncurrent loans to loans | 0.2904% | 2,203 |
| Net loans and leases to total assets | 51.6200% | 3,318 |
| Net loans and leases to deposits | 56.7590% | 3,420 |
| Net loans and leases to core deposits | 59.3357% | 3,429 |
| Total domestic deposits to total assets | 90.9400% | 1,265 |
| Equity capital to assets | 6.5704% | 3,706 |
| Core capital (leverage) ratio | 10.3431% | 2,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $254,646,000 | 2,719 |
| Average earning assets | $237,904,000 | 2,698 |
| Average equity | $19,452,000 | 3,041 |
| Average total loans | $128,297,250 | 2,845 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7752% | 4,017 |
| Cost of funding earning assets | 0.4152% | 833 |
| Net interest margin | 2.3600% | 4,271 |
| Noninterest income to average assets | 0.4153% | 2,659 |
| Noninterest expense to average assets | 2.0523% | 3,290 |
| Loan and lease loss provision to assets | 0.0078% | 2,458 |
| Net operating income to assets | 0.4672% | 3,974 |
| Return on assets (ROA) | 0.4627% | 3,931 |
| Pretax return on assets | 0.5599% | 3,904 |
| Return on Equity (ROE) | 5.7979% | 3,629 |
| Retained earnings to average equity (ytd only) | 5.7979% | 2,402 |
| Net charge-offs to loans | -0.0016% | 3,086 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1694% | 1,076 |
| Assets per employee ($millions) | 6.7441% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 2,315 |
| Loan loss allowance to noncurrent loans | 429.6000% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 2,667 |
| Noncurrent loans to loans | 0.2964% | 2,276 |
| Net loans and leases to total assets | 50.0561% | 3,375 |
| Net loans and leases to deposits | 53.9446% | 3,538 |
| Net loans and leases to core deposits | 56.3760% | 3,534 |
| Total domestic deposits to total assets | 92.7917% | 565 |
| Equity capital to assets | 6.7991% | 3,876 |
| Core capital (leverage) ratio | 9.8094% | 2,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,169,000 | 2,726 |
| Average earning assets | $240,845,333 | 2,716 |
| Average equity | $20,524,667 | 3,018 |
| Average total loans | $128,014,000 | 2,869 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6848% | 3,976 |
| Cost of funding earning assets | 0.4200% | 774 |
| Net interest margin | 2.2648% | 4,281 |
| Noninterest income to average assets | 0.4107% | 2,612 |
| Noninterest expense to average assets | 1.9158% | 3,646 |
| Loan and lease loss provision to assets | 0.0153% | 2,073 |
| Net operating income to assets | 0.4869% | 3,745 |
| Return on assets (ROA) | 0.4782% | 3,733 |
| Pretax return on assets | 0.5931% | 3,652 |
| Return on Equity (ROE) | 5.5954% | 3,452 |
| Retained earnings to average equity (ytd only) | 5.5954% | 2,380 |
| Net charge-offs to loans | -0.0031% | 3,199 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5744% | 1,577 |
| Assets per employee ($millions) | 7.1475% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,518 |
| Loan loss allowance to noncurrent loans | 519.6774% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 2,995 |
| Noncurrent loans to loans | 0.2437% | 2,618 |
| Net loans and leases to total assets | 47.4937% | 3,436 |
| Net loans and leases to deposits | 52.7802% | 3,512 |
| Net loans and leases to core deposits | 55.3355% | 3,501 |
| Total domestic deposits to total assets | 89.9840% | 1,572 |
| Equity capital to assets | 7.7793% | 3,745 |
| Core capital (leverage) ratio | 9.4114% | 2,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,987,500 | 2,713 |
| Average earning assets | $244,786,500 | 2,709 |
| Average equity | $22,304,000 | 2,957 |
| Average total loans | $128,762,500 | 2,859 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0841% | 3,714 |
| Cost of funding earning assets | 0.5910% | 566 |
| Net interest margin | 2.4931% | 4,202 |
| Noninterest income to average assets | 0.4894% | 2,626 |
| Noninterest expense to average assets | 2.0930% | 3,404 |
| Loan and lease loss provision to assets | 0.0496% | 2,062 |
| Net operating income to assets | 0.5515% | 3,976 |
| Return on assets (ROA) | 0.5505% | 4,030 |
| Pretax return on assets | 0.6993% | 3,929 |
| Return on Equity (ROE) | 5.5601% | 3,867 |
| Retained earnings to average equity (ytd only) | 5.5601% | 2,538 |
| Net charge-offs to loans | 0.0258% | 1,732 |
| Credit loss provision to net charge-offs | 363.6364% | 962 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 1,237 |
| Efficiency ratio | 73.6154% | 1,352 |
| Assets per employee ($millions) | 6.6030% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 2,745 |
| Loan loss allowance to noncurrent loans | 457.1429% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 2,992 |
| Noncurrent loans to loans | 0.2686% | 2,642 |
| Net loans and leases to total assets | 49.9823% | 3,279 |
| Net loans and leases to deposits | 56.5916% | 3,376 |
| Net loans and leases to core deposits | 59.5240% | 3,351 |
| Total domestic deposits to total assets | 88.3212% | 1,862 |
| Equity capital to assets | 9.3334% | 3,285 |
| Core capital (leverage) ratio | 9.7809% | 2,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,945,800 | 2,780 |
| Average earning assets | $228,431,400 | 2,756 |
| Average equity | $23,956,600 | 2,916 |
| Average total loans | $128,150,800 | 2,874 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1413% | 3,719 |
| Cost of funding earning assets | 0.6267% | 551 |
| Net interest margin | 2.5146% | 4,250 |
| Noninterest income to average assets | 0.4974% | 2,630 |
| Noninterest expense to average assets | 2.1390% | 3,249 |
| Loan and lease loss provision to assets | 0.0504% | 1,988 |
| Net operating income to assets | 0.5424% | 4,117 |
| Return on assets (ROA) | 0.5410% | 4,163 |
| Pretax return on assets | 0.6861% | 4,088 |
| Return on Equity (ROE) | 5.3807% | 4,044 |
| Retained earnings to average equity (ytd only) | 5.3807% | 3,073 |
| Net charge-offs to loans | 0.0324% | 1,417 |
| Credit loss provision to net charge-offs | 290.3226% | 1,021 |
| Earnings coverage of net charge-offs (x) | 42.5161% | 1,328 |
| Efficiency ratio | 74.3430% | 1,187 |
| Assets per employee ($millions) | 6.2328% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 2,770 |
| Loan loss allowance to noncurrent loans | 538.3562% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 3,319 |
| Noncurrent loans to loans | 0.2311% | 3,014 |
| Net loans and leases to total assets | 51.3306% | 3,266 |
| Net loans and leases to deposits | 58.7038% | 3,344 |
| Net loans and leases to core deposits | 61.8785% | 3,332 |
| Total domestic deposits to total assets | 87.4400% | 2,140 |
| Equity capital to assets | 10.0551% | 2,850 |
| Core capital (leverage) ratio | 9.9465% | 2,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,053,000 | 2,833 |
| Average earning assets | $225,296,000 | 2,800 |
| Average equity | $23,937,000 | 2,947 |
| Average total loans | $127,610,250 | 2,915 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9693% | 4,098 |
| Cost of funding earning assets | 0.6616% | 537 |
| Net interest margin | 2.3077% | 4,511 |
| Noninterest income to average assets | 0.4882% | 2,675 |
| Noninterest expense to average assets | 2.1034% | 3,376 |
| Loan and lease loss provision to assets | 0.0508% | 2,021 |
| Net operating income to assets | 0.4188% | 4,349 |
| Return on assets (ROA) | 0.4188% | 4,392 |
| Pretax return on assets | 0.5178% | 4,363 |
| Return on Equity (ROE) | 4.1651% | 4,301 |
| Retained earnings to average equity (ytd only) | 4.1651% | 3,470 |
| Net charge-offs to loans | 0.0109% | 1,747 |
| Credit loss provision to net charge-offs | 857.1429% | 513 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 772 |
| Efficiency ratio | 78.7207% | 870 |
| Assets per employee ($millions) | 6.2766% | 2,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,766 |
| Loan loss allowance to noncurrent loans | 527.2727% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 3,425 |
| Noncurrent loans to loans | 0.2336% | 3,114 |
| Net loans and leases to total assets | 51.3087% | 3,419 |
| Net loans and leases to deposits | 58.4438% | 3,503 |
| Net loans and leases to core deposits | 61.7027% | 3,493 |
| Total domestic deposits to total assets | 87.7914% | 1,936 |
| Equity capital to assets | 9.7236% | 3,118 |
| Core capital (leverage) ratio | 9.7769% | 2,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,377,000 | 2,834 |
| Average earning assets | $223,688,333 | 2,805 |
| Average equity | $23,768,667 | 2,953 |
| Average total loans | $128,031,333 | 2,921 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7558% | 4,421 |
| Cost of funding earning assets | 0.7049% | 537 |
| Net interest margin | 2.0509% | 4,706 |
| Noninterest income to average assets | 0.5065% | 2,579 |
| Noninterest expense to average assets | 2.0554% | 3,547 |
| Loan and lease loss provision to assets | 0.0517% | 2,070 |
| Net operating income to assets | 0.3049% | 4,511 |
| Return on assets (ROA) | 0.3049% | 4,546 |
| Pretax return on assets | 0.3342% | 4,563 |
| Return on Equity (ROE) | 2.9808% | 4,474 |
| Retained earnings to average equity (ytd only) | 2.9808% | 3,789 |
| Net charge-offs to loans | 0.0218% | 1,300 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,070 |
| Efficiency ratio | 84.1920% | 587 |
| Assets per employee ($millions) | 6.4799% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 3,080 |
| Loan loss allowance to noncurrent loans | 370.1205% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 3,305 |
| Noncurrent loans to loans | 0.3167% | 2,967 |
| Net loans and leases to total assets | 54.0115% | 3,238 |
| Net loans and leases to deposits | 60.1950% | 3,464 |
| Net loans and leases to core deposits | 63.5506% | 3,453 |
| Total domestic deposits to total assets | 89.7276% | 943 |
| Equity capital to assets | 9.8708% | 2,825 |
| Core capital (leverage) ratio | 10.0187% | 2,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,172,000 | 2,848 |
| Average earning assets | $219,030,000 | 2,828 |
| Average equity | $23,752,000 | 2,946 |
| Average total loans | $128,465,500 | 2,922 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6830% | 3,622 |
| Cost of funding earning assets | 0.9363% | 753 |
| Net interest margin | 2.7467% | 4,325 |
| Noninterest income to average assets | 0.5476% | 2,432 |
| Noninterest expense to average assets | 2.3492% | 3,274 |
| Loan and lease loss provision to assets | 0.0571% | 3,654 |
| Net operating income to assets | 0.5485% | 3,911 |
| Return on assets (ROA) | 0.5485% | 4,004 |
| Pretax return on assets | 0.7188% | 3,849 |
| Return on Equity (ROE) | 4.9680% | 3,917 |
| Retained earnings to average equity (ytd only) | 4.9680% | 2,286 |
| Net charge-offs to loans | 0.0059% | 3,138 |
| Credit loss provision to net charge-offs | 1,500.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 203.8750% | 463 |
| Efficiency ratio | 75.1713% | 1,318 |
| Assets per employee ($millions) | 5.9102% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 2,935 |
| Loan loss allowance to noncurrent loans | 264.5105% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2547% | 3,024 |
| Noncurrent loans to loans | 0.4543% | 2,608 |
| Net loans and leases to total assets | 55.3841% | 3,355 |
| Net loans and leases to deposits | 62.2772% | 3,586 |
| Net loans and leases to core deposits | 65.7875% | 3,561 |
| Total domestic deposits to total assets | 88.9316% | 1,017 |
| Equity capital to assets | 10.6142% | 2,580 |
| Core capital (leverage) ratio | 10.6026% | 2,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,203,600 | 2,859 |
| Average earning assets | $197,258,000 | 2,852 |
| Average equity | $23,208,600 | 2,923 |
| Average total loans | $136,708,400 | 2,782 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7988% | 3,572 |
| Cost of funding earning assets | 0.9858% | 799 |
| Net interest margin | 2.8130% | 4,323 |
| Noninterest income to average assets | 0.5401% | 2,424 |
| Noninterest expense to average assets | 2.3877% | 3,173 |
| Loan and lease loss provision to assets | 0.0581% | 3,626 |
| Net operating income to assets | 0.5653% | 3,868 |
| Return on assets (ROA) | 0.5653% | 3,959 |
| Pretax return on assets | 0.7370% | 3,806 |
| Return on Equity (ROE) | 5.0668% | 3,875 |
| Retained earnings to average equity (ytd only) | 5.0668% | 2,527 |
| Net charge-offs to loans | 0.0077% | 2,845 |
| Credit loss provision to net charge-offs | 1,125.0000% | 772 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 588 |
| Efficiency ratio | 75.0203% | 1,297 |
| Assets per employee ($millions) | 5.3027% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 3,135 |
| Loan loss allowance to noncurrent loans | 293.0830% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 3,153 |
| Noncurrent loans to loans | 0.3801% | 2,920 |
| Net loans and leases to total assets | 62.0623% | 3,003 |
| Net loans and leases to deposits | 70.2768% | 3,291 |
| Net loans and leases to core deposits | 74.7117% | 3,263 |
| Total domestic deposits to total assets | 88.3111% | 1,054 |
| Equity capital to assets | 11.1340% | 2,294 |
| Core capital (leverage) ratio | 10.9266% | 1,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,608,000 | 2,869 |
| Average earning assets | $194,093,750 | 2,860 |
| Average equity | $23,051,250 | 2,932 |
| Average total loans | $139,411,000 | 2,764 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9242% | 3,551 |
| Cost of funding earning assets | 1.0339% | 888 |
| Net interest margin | 2.8903% | 4,324 |
| Noninterest income to average assets | 0.4278% | 2,924 |
| Noninterest expense to average assets | 2.4349% | 3,156 |
| Loan and lease loss provision to assets | 0.0586% | 3,567 |
| Net operating income to assets | 0.5059% | 4,002 |
| Return on assets (ROA) | 0.5059% | 4,077 |
| Pretax return on assets | 0.6456% | 3,978 |
| Return on Equity (ROE) | 4.5313% | 3,963 |
| Retained earnings to average equity (ytd only) | 4.5313% | 2,691 |
| Net charge-offs to loans | 0.0113% | 2,552 |
| Credit loss provision to net charge-offs | 750.0000% | 949 |
| Earnings coverage of net charge-offs (x) | 90.1250% | 748 |
| Efficiency ratio | 77.5669% | 1,094 |
| Assets per employee ($millions) | 5.2614% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 3,351 |
| Loan loss allowance to noncurrent loans | 265.1460% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 3,270 |
| Noncurrent loans to loans | 0.3937% | 2,991 |
| Net loans and leases to total assets | 65.4529% | 2,700 |
| Net loans and leases to deposits | 74.0972% | 3,071 |
| Net loans and leases to core deposits | 78.8520% | 3,037 |
| Total domestic deposits to total assets | 88.3338% | 1,024 |
| Equity capital to assets | 11.0670% | 2,279 |
| Core capital (leverage) ratio | 10.8581% | 2,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,774,667 | 2,864 |
| Average earning assets | $192,087,667 | 2,856 |
| Average equity | $22,863,000 | 2,938 |
| Average total loans | $141,507,333 | 2,727 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1185% | 3,473 |
| Cost of funding earning assets | 1.1000% | 1,047 |
| Net interest margin | 3.0185% | 4,250 |
| Noninterest income to average assets | 0.4001% | 3,104 |
| Noninterest expense to average assets | 2.4840% | 3,325 |
| Loan and lease loss provision to assets | 0.0594% | 3,024 |
| Net operating income to assets | 0.5487% | 3,746 |
| Return on assets (ROA) | 0.5487% | 3,808 |
| Pretax return on assets | 0.6834% | 3,737 |
| Return on Equity (ROE) | 4.8920% | 3,669 |
| Retained earnings to average equity (ytd only) | 4.8920% | 2,323 |
| Net charge-offs to loans | 0.0196% | 1,973 |
| Credit loss provision to net charge-offs | 428.5714% | 958 |
| Earnings coverage of net charge-offs (x) | 53.5714% | 854 |
| Efficiency ratio | 76.9797% | 1,457 |
| Assets per employee ($millions) | 5.5364% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 3,731 |
| Loan loss allowance to noncurrent loans | 243.8356% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 3,310 |
| Noncurrent loans to loans | 0.4088% | 3,029 |
| Net loans and leases to total assets | 69.0429% | 2,389 |
| Net loans and leases to deposits | 78.2262% | 2,859 |
| Net loans and leases to core deposits | 83.3341% | 2,904 |
| Total domestic deposits to total assets | 88.2606% | 994 |
| Equity capital to assets | 11.2127% | 2,665 |
| Core capital (leverage) ratio | 11.1756% | 2,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,934,500 | 2,849 |
| Average earning assets | $189,098,000 | 2,837 |
| Average equity | $22,649,000 | 2,953 |
| Average total loans | $142,660,000 | 2,704 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0892% | 4,066 |
| Cost of funding earning assets | 1.0879% | 1,372 |
| Net interest margin | 3.0014% | 4,513 |
| Noninterest income to average assets | 0.4135% | 3,210 |
| Noninterest expense to average assets | 2.4163% | 3,640 |
| Loan and lease loss provision to assets | 0.0608% | 2,824 |
| Net operating income to assets | 0.5625% | 4,263 |
| Return on assets (ROA) | 0.5625% | 4,314 |
| Pretax return on assets | 0.7440% | 4,101 |
| Return on Equity (ROE) | 5.1272% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.1272% | 2,351 |
| Net charge-offs to loans | 0.0750% | 2,024 |
| Credit loss provision to net charge-offs | 114.2857% | 2,200 |
| Earnings coverage of net charge-offs (x) | 15.1238% | 2,249 |
| Efficiency ratio | 75.0157% | 1,486 |
| Assets per employee ($millions) | 5.1031% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 3,598 |
| Loan loss allowance to noncurrent loans | 233.8898% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 3,229 |
| Noncurrent loans to loans | 0.4205% | 2,935 |
| Net loans and leases to total assets | 70.8779% | 2,269 |
| Net loans and leases to deposits | 80.2853% | 2,745 |
| Net loans and leases to core deposits | 84.8606% | 2,883 |
| Total domestic deposits to total assets | 88.2826% | 989 |
| Equity capital to assets | 11.2194% | 2,794 |
| Core capital (leverage) ratio | 11.2060% | 2,329 |
| Tier 1 risk-based capital ratio | 15.5361% | 2,567 |
| Total risk-based capital ratio | 16.5158% | 2,606 |
| Memoranda: | ||
| Average total assets | $197,323,200 | 2,860 |
| Average earning assets | $184,581,800 | 2,840 |
| Average equity | $21,649,200 | 2,990 |
| Average total loans | $139,925,200 | 2,719 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0578% | 4,239 |
| Cost of funding earning assets | 1.0632% | 1,492 |
| Net interest margin | 2.9946% | 4,629 |
| Noninterest income to average assets | 0.4259% | 3,172 |
| Noninterest expense to average assets | 2.3917% | 3,712 |
| Loan and lease loss provision to assets | 0.0609% | 2,677 |
| Net operating income to assets | 0.5878% | 4,324 |
| Return on assets (ROA) | 0.5878% | 4,374 |
| Pretax return on assets | 0.7808% | 4,173 |
| Return on Equity (ROE) | 5.3880% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.3880% | 2,681 |
| Net charge-offs to loans | 0.0871% | 1,604 |
| Credit loss provision to net charge-offs | 98.9011% | 2,296 |
| Earnings coverage of net charge-offs (x) | 13.6594% | 2,278 |
| Efficiency ratio | 73.9686% | 1,574 |
| Assets per employee ($millions) | 5.0878% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 3,688 |
| Loan loss allowance to noncurrent loans | 201.6012% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3714% | 3,019 |
| Noncurrent loans to loans | 0.4856% | 2,842 |
| Net loans and leases to total assets | 70.6057% | 2,388 |
| Net loans and leases to deposits | 79.9461% | 2,901 |
| Net loans and leases to core deposits | 84.2023% | 3,076 |
| Total domestic deposits to total assets | 88.3166% | 908 |
| Equity capital to assets | 11.1482% | 2,971 |
| Core capital (leverage) ratio | 11.3190% | 2,364 |
| Tier 1 risk-based capital ratio | 15.5192% | 2,636 |
| Total risk-based capital ratio | 16.4974% | 2,673 |
| Memoranda: | ||
| Average total assets | $196,898,750 | 2,890 |
| Average earning assets | $184,596,000 | 2,868 |
| Average equity | $21,479,250 | 3,024 |
| Average total loans | $139,290,750 | 2,761 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0503% | 4,283 |
| Cost of funding earning assets | 1.0419% | 1,526 |
| Net interest margin | 3.0084% | 4,668 |
| Noninterest income to average assets | 0.3992% | 3,278 |
| Noninterest expense to average assets | 2.3362% | 3,906 |
| Loan and lease loss provision to assets | 0.0611% | 2,602 |
| Net operating income to assets | 0.6182% | 4,259 |
| Return on assets (ROA) | 0.6182% | 4,300 |
| Pretax return on assets | 0.8249% | 4,030 |
| Return on Equity (ROE) | 5.7088% | 4,144 |
| Retained earnings to average equity (ytd only) | 5.7088% | 2,411 |
| Net charge-offs to loans | 0.1083% | 1,324 |
| Credit loss provision to net charge-offs | 80.0000% | 2,224 |
| Earnings coverage of net charge-offs (x) | 11.6000% | 2,198 |
| Efficiency ratio | 72.5032% | 1,841 |
| Assets per employee ($millions) | 5.1375% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 3,738 |
| Loan loss allowance to noncurrent loans | 221.1290% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 3,263 |
| Noncurrent loans to loans | 0.4432% | 2,941 |
| Net loans and leases to total assets | 70.9485% | 2,396 |
| Net loans and leases to deposits | 80.3842% | 2,907 |
| Net loans and leases to core deposits | 84.9379% | 3,034 |
| Total domestic deposits to total assets | 88.2618% | 983 |
| Equity capital to assets | 11.1814% | 2,881 |
| Core capital (leverage) ratio | 11.1679% | 2,442 |
| Tier 1 risk-based capital ratio | 15.5715% | 2,598 |
| Total risk-based capital ratio | 16.5548% | 2,643 |
| Memoranda: | ||
| Average total assets | $196,389,670 | 2,903 |
| Average earning assets | $184,283,330 | 2,877 |
| Average equity | $21,265,330 | 3,037 |
| Average total loans | $138,559,330 | 2,782 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9663% | 4,439 |
| Cost of funding earning assets | 1.0213% | 1,473 |
| Net interest margin | 2.9450% | 4,831 |
| Noninterest income to average assets | 0.3716% | 3,370 |
| Noninterest expense to average assets | 2.2846% | 4,062 |
| Loan and lease loss provision to assets | 0.0609% | 2,438 |
| Net operating income to assets | 0.5991% | 4,248 |
| Return on assets (ROA) | 0.5991% | 4,282 |
| Pretax return on assets | 0.7961% | 4,056 |
| Return on Equity (ROE) | 5.6235% | 4,142 |
| Retained earnings to average equity (ytd only) | 5.6235% | 2,623 |
| Net charge-offs to loans | 0.2147% | 654 |
| Credit loss provision to net charge-offs | 40.5405% | 2,028 |
| Earnings coverage of net charge-offs (x) | 5.7027% | 2,245 |
| Efficiency ratio | 72.7214% | 1,924 |
| Assets per employee ($millions) | 5.3449% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 3,867 |
| Loan loss allowance to noncurrent loans | 216.4516% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 3,344 |
| Noncurrent loans to loans | 0.4488% | 2,975 |
| Net loans and leases to total assets | 69.1754% | 2,599 |
| Net loans and leases to deposits | 77.9223% | 3,067 |
| Net loans and leases to core deposits | 81.9591% | 3,188 |
| Total domestic deposits to total assets | 88.7748% | 968 |
| Equity capital to assets | 10.7574% | 3,094 |
| Core capital (leverage) ratio | 10.8638% | 2,706 |
| Tier 1 risk-based capital ratio | 15.5272% | 2,641 |
| Total risk-based capital ratio | 16.5010% | 2,683 |
| Memoranda: | ||
| Average total assets | $196,971,500 | 2,929 |
| Average earning assets | $185,260,500 | 2,899 |
| Average equity | $20,983,500 | 3,070 |
| Average total loans | $137,898,500 | 2,815 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7308% | 4,622 |
| Cost of funding earning assets | 0.8720% | 1,208 |
| Net interest margin | 2.8588% | 4,965 |
| Noninterest income to average assets | 0.4315% | 3,229 |
| Noninterest expense to average assets | 2.3000% | 4,122 |
| Loan and lease loss provision to assets | 0.0628% | 2,900 |
| Net operating income to assets | 0.5687% | 4,505 |
| Return on assets (ROA) | 0.5687% | 4,511 |
| Pretax return on assets | 0.7761% | 4,231 |
| Return on Equity (ROE) | 5.4050% | 4,350 |
| Retained earnings to average equity (ytd only) | 5.4050% | 2,534 |
| Net charge-offs to loans | 0.0184% | 3,084 |
| Credit loss provision to net charge-offs | 480.0000% | 709 |
| Earnings coverage of net charge-offs (x) | 64.0800% | 982 |
| Efficiency ratio | 73.2733% | 1,721 |
| Assets per employee ($millions) | 5.4495% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 3,637 |
| Loan loss allowance to noncurrent loans | 103.5874% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.6820% | 2,021 |
| Noncurrent loans to loans | 0.9720% | 1,669 |
| Net loans and leases to total assets | 69.4595% | 2,661 |
| Net loans and leases to deposits | 77.9729% | 3,170 |
| Net loans and leases to core deposits | 81.6640% | 3,287 |
| Total domestic deposits to total assets | 89.0816% | 825 |
| Equity capital to assets | 10.5479% | 3,132 |
| Core capital (leverage) ratio | 11.0675% | 2,464 |
| Tier 1 risk-based capital ratio | 15.2473% | 2,721 |
| Total risk-based capital ratio | 16.2486% | 2,760 |
| Memoranda: | ||
| Average total assets | $190,960,000 | 2,953 |
| Average earning assets | $180,847,000 | 2,913 |
| Average equity | $20,092,600 | 3,079 |
| Average total loans | $136,197,400 | 2,813 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7080% | 4,629 |
| Cost of funding earning assets | 0.8340% | 1,175 |
| Net interest margin | 2.8740% | 5,010 |
| Noninterest income to average assets | 0.4232% | 3,335 |
| Noninterest expense to average assets | 2.2869% | 4,129 |
| Loan and lease loss provision to assets | 0.0633% | 2,709 |
| Net operating income to assets | 0.5744% | 4,576 |
| Return on assets (ROA) | 0.5744% | 4,580 |
| Pretax return on assets | 0.7937% | 4,309 |
| Return on Equity (ROE) | 5.4623% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.4623% | 2,979 |
| Net charge-offs to loans | 0.0108% | 3,035 |
| Credit loss provision to net charge-offs | 818.1818% | 479 |
| Earnings coverage of net charge-offs (x) | 110.7900% | 700 |
| Efficiency ratio | 72.7415% | 1,771 |
| Assets per employee ($millions) | 5.1872% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 3,906 |
| Loan loss allowance to noncurrent loans | 95.3375% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.7695% | 1,933 |
| Noncurrent loans to loans | 1.0259% | 1,674 |
| Net loans and leases to total assets | 74.2744% | 1,936 |
| Net loans and leases to deposits | 83.6969% | 2,636 |
| Net loans and leases to core deposits | 88.3136% | 2,820 |
| Total domestic deposits to total assets | 88.7421% | 937 |
| Equity capital to assets | 10.8365% | 2,814 |
| Core capital (leverage) ratio | 11.0275% | 2,553 |
| Tier 1 risk-based capital ratio | 14.7902% | 2,976 |
| Total risk-based capital ratio | 15.7627% | 3,031 |
| Memoranda: | ||
| Average total assets | $189,654,500 | 2,989 |
| Average earning assets | $179,536,000 | 2,950 |
| Average equity | $19,942,500 | 3,115 |
| Average total loans | $135,833,500 | 2,834 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6430% | 4,696 |
| Cost of funding earning assets | 0.8002% | 1,124 |
| Net interest margin | 2.8428% | 5,080 |
| Noninterest income to average assets | 0.3966% | 3,509 |
| Noninterest expense to average assets | 2.2557% | 4,247 |
| Loan and lease loss provision to assets | 0.0630% | 2,642 |
| Net operating income to assets | 0.5571% | 4,611 |
| Return on assets (ROA) | 0.5571% | 4,612 |
| Pretax return on assets | 0.7690% | 4,341 |
| Return on Equity (ROE) | 5.3516% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.3516% | 2,906 |
| Net charge-offs to loans | 0.0134% | 2,688 |
| Credit loss provision to net charge-offs | 666.6667% | 578 |
| Earnings coverage of net charge-offs (x) | 88.1111% | 762 |
| Efficiency ratio | 73.0547% | 1,843 |
| Assets per employee ($millions) | 5.3092% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 3,954 |
| Loan loss allowance to noncurrent loans | 202.7190% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3464% | 3,369 |
| Noncurrent loans to loans | 0.4840% | 2,985 |
| Net loans and leases to total assets | 70.8608% | 2,454 |
| Net loans and leases to deposits | 79.5061% | 3,001 |
| Net loans and leases to core deposits | 85.2014% | 2,995 |
| Total domestic deposits to total assets | 89.1263% | 885 |
| Equity capital to assets | 10.4734% | 3,149 |
| Core capital (leverage) ratio | 10.7801% | 2,723 |
| Tier 1 risk-based capital ratio | 14.8859% | 2,928 |
| Total risk-based capital ratio | 15.8580% | 2,981 |
| Memoranda: | ||
| Average total assets | $190,626,000 | 2,998 |
| Average earning assets | $180,454,670 | 2,958 |
| Average equity | $19,844,670 | 3,144 |
| Average total loans | $134,421,330 | 2,862 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5628% | 4,774 |
| Cost of funding earning assets | 0.7873% | 1,006 |
| Net interest margin | 2.7755% | 5,181 |
| Noninterest income to average assets | 0.3908% | 3,534 |
| Noninterest expense to average assets | 2.2272% | 4,354 |
| Loan and lease loss provision to assets | 0.0630% | 2,511 |
| Net operating income to assets | 0.5190% | 4,646 |
| Return on assets (ROA) | 0.5190% | 4,647 |
| Pretax return on assets | 0.7228% | 4,377 |
| Return on Equity (ROE) | 5.0005% | 4,489 |
| Retained earnings to average equity (ytd only) | 5.0005% | 3,172 |
| Net charge-offs to loans | -0.0030% | 3,875 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9191% | 1,909 |
| Assets per employee ($millions) | 5.7912% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 4,070 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.3459% | 3,459 |
| Noncurrent loans to loans | 0.4897% | 3,052 |
| Net loans and leases to total assets | 69.9403% | 2,497 |
| Net loans and leases to deposits | 78.3093% | 2,988 |
| Net loans and leases to core deposits | 83.9750% | 2,982 |
| Total domestic deposits to total assets | 89.3130% | 955 |
| Equity capital to assets | 10.3506% | 3,219 |
| Core capital (leverage) ratio | 10.6945% | 2,743 |
| Tier 1 risk-based capital ratio | 14.7705% | 2,996 |
| Total risk-based capital ratio | 15.7339% | 3,041 |
| Memoranda: | ||
| Average total assets | $190,373,500 | 3,030 |
| Average earning assets | $179,859,500 | 2,992 |
| Average equity | $19,758,000 | 3,182 |
| Average total loans | $133,242,500 | 2,898 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4680% | 4,839 |
| Cost of funding earning assets | 0.7635% | 770 |
| Net interest margin | 2.7045% | 5,273 |
| Noninterest income to average assets | 0.4115% | 3,555 |
| Noninterest expense to average assets | 2.2377% | 4,460 |
| Loan and lease loss provision to assets | 0.0637% | 2,952 |
| Net operating income to assets | 0.3871% | 4,736 |
| Return on assets (ROA) | 0.3871% | 4,745 |
| Pretax return on assets | 0.6606% | 4,605 |
| Return on Equity (ROE) | 3.7378% | 4,588 |
| Retained earnings to average equity (ytd only) | 3.7378% | 2,987 |
| Net charge-offs to loans | 0.0094% | 3,763 |
| Credit loss provision to net charge-offs | 1,000.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 113.6667% | 590 |
| Efficiency ratio | 75.5468% | 1,686 |
| Assets per employee ($millions) | 5.4182% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 4,042 |
| Loan loss allowance to noncurrent loans | 178.5615% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 3,340 |
| Noncurrent loans to loans | 0.5498% | 2,847 |
| Net loans and leases to total assets | 68.6622% | 2,732 |
| Net loans and leases to deposits | 76.9379% | 3,238 |
| Net loans and leases to core deposits | 82.6330% | 3,186 |
| Total domestic deposits to total assets | 89.2437% | 891 |
| Equity capital to assets | 10.4067% | 3,259 |
| Core capital (leverage) ratio | 10.6945% | 2,656 |
| Tier 1 risk-based capital ratio | 14.9558% | 2,870 |
| Total risk-based capital ratio | 15.9203% | 2,937 |
| Memoranda: | ||
| Average total assets | $188,322,000 | 3,036 |
| Average earning assets | $177,592,800 | 2,988 |
| Average equity | $19,503,400 | 3,199 |
| Average total loans | $127,864,200 | 2,943 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4482% | 4,894 |
| Cost of funding earning assets | 0.7529% | 745 |
| Net interest margin | 2.6953% | 5,325 |
| Noninterest income to average assets | 0.4135% | 3,601 |
| Noninterest expense to average assets | 2.2483% | 4,422 |
| Loan and lease loss provision to assets | 0.0638% | 2,793 |
| Net operating income to assets | 0.4163% | 4,967 |
| Return on assets (ROA) | 0.4163% | 4,996 |
| Pretax return on assets | 0.6454% | 4,743 |
| Return on Equity (ROE) | 4.0248% | 4,845 |
| Retained earnings to average equity (ytd only) | 4.0248% | 3,528 |
| Net charge-offs to loans | 0.0042% | 3,583 |
| Credit loss provision to net charge-offs | 2,250.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 250.1501% | 352 |
| Efficiency ratio | 76.0192% | 1,585 |
| Assets per employee ($millions) | 5.0595% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 4,168 |
| Loan loss allowance to noncurrent loans | 184.9854% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 3,566 |
| Noncurrent loans to loans | 0.5314% | 3,105 |
| Net loans and leases to total assets | 68.2763% | 2,800 |
| Net loans and leases to deposits | 76.6561% | 3,307 |
| Net loans and leases to core deposits | 82.7677% | 3,226 |
| Total domestic deposits to total assets | 89.0684% | 852 |
| Equity capital to assets | 10.5721% | 3,288 |
| Core capital (leverage) ratio | 10.6140% | 2,862 |
| Tier 1 risk-based capital ratio | 15.1822% | 2,846 |
| Total risk-based capital ratio | 16.1515% | 2,889 |
| Memoranda: | ||
| Average total assets | $187,993,250 | 3,068 |
| Average earning assets | $177,438,250 | 3,013 |
| Average equity | $19,445,500 | 3,228 |
| Average total loans | $126,955,250 | 2,986 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4134% | 4,954 |
| Cost of funding earning assets | 0.7358% | 738 |
| Net interest margin | 2.6776% | 5,384 |
| Noninterest income to average assets | 0.4048% | 3,660 |
| Noninterest expense to average assets | 2.2267% | 4,508 |
| Loan and lease loss provision to assets | 0.0637% | 2,693 |
| Net operating income to assets | 0.4175% | 4,941 |
| Return on assets (ROA) | 0.4175% | 4,966 |
| Pretax return on assets | 0.6427% | 4,710 |
| Return on Equity (ROE) | 4.0661% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.0661% | 3,284 |
| Net charge-offs to loans | 0.0048% | 3,310 |
| Credit loss provision to net charge-offs | 2,000.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 221.6667% | 382 |
| Efficiency ratio | 75.9145% | 1,732 |
| Assets per employee ($millions) | 5.0865% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 4,222 |
| Loan loss allowance to noncurrent loans | 212.3288% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 3,880 |
| Noncurrent loans to loans | 0.4657% | 3,343 |
| Net loans and leases to total assets | 65.9759% | 3,112 |
| Net loans and leases to deposits | 73.9518% | 3,549 |
| Net loans and leases to core deposits | 80.0743% | 3,415 |
| Total domestic deposits to total assets | 89.2148% | 853 |
| Equity capital to assets | 10.4159% | 3,445 |
| Core capital (leverage) ratio | 10.4998% | 2,916 |
| Tier 1 risk-based capital ratio | 15.4893% | 2,710 |
| Total risk-based capital ratio | 16.4651% | 2,766 |
| Memoranda: | ||
| Average total assets | $188,257,330 | 3,077 |
| Average earning assets | $177,771,000 | 3,021 |
| Average equity | $19,330,330 | 3,238 |
| Average total loans | $126,246,000 | 3,002 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4495% | 4,829 |
| Cost of funding earning assets | 0.7269% | 733 |
| Net interest margin | 2.7226% | 5,362 |
| Noninterest income to average assets | 0.3803% | 3,804 |
| Noninterest expense to average assets | 2.2795% | 4,461 |
| Loan and lease loss provision to assets | 0.0637% | 2,528 |
| Net operating income to assets | 0.3909% | 4,966 |
| Return on assets (ROA) | 0.3909% | 4,995 |
| Pretax return on assets | 0.5991% | 4,735 |
| Return on Equity (ROE) | 3.8345% | 4,838 |
| Retained earnings to average equity (ytd only) | 3.8345% | 3,539 |
| Net charge-offs to loans | 0.0095% | 2,642 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 517 |
| Efficiency ratio | 77.4729% | 1,702 |
| Assets per employee ($millions) | 5.2514% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 4,401 |
| Loan loss allowance to noncurrent loans | 241.0359% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 4,152 |
| Noncurrent loans to loans | 0.4061% | 3,636 |
| Net loans and leases to total assets | 64.7543% | 3,160 |
| Net loans and leases to deposits | 72.3806% | 3,575 |
| Net loans and leases to core deposits | 78.7087% | 3,424 |
| Total domestic deposits to total assets | 89.4636% | 915 |
| Equity capital to assets | 10.2211% | 3,492 |
| Core capital (leverage) ratio | 10.3440% | 3,067 |
| Tier 1 risk-based capital ratio | 15.3997% | 2,796 |
| Total risk-based capital ratio | 16.3565% | 2,852 |
| Memoranda: | ||
| Average total assets | $188,285,000 | 3,100 |
| Average earning assets | $177,186,000 | 3,058 |
| Average equity | $19,194,000 | 3,269 |
| Average total loans | $126,665,000 | 3,015 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4919% | 4,804 |
| Cost of funding earning assets | 0.6902% | 856 |
| Net interest margin | 2.8017% | 5,283 |
| Noninterest income to average assets | 0.4268% | 3,701 |
| Noninterest expense to average assets | 2.3325% | 4,478 |
| Loan and lease loss provision to assets | 0.0651% | 3,068 |
| Net operating income to assets | 0.4626% | 4,759 |
| Return on assets (ROA) | 0.4626% | 4,842 |
| Pretax return on assets | 0.6752% | 4,569 |
| Return on Equity (ROE) | 4.5118% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.5118% | 2,691 |
| Net charge-offs to loans | 0.1418% | 1,845 |
| Credit loss provision to net charge-offs | 64.1711% | 3,190 |
| Earnings coverage of net charge-offs (x) | 7.2995% | 3,034 |
| Efficiency ratio | 75.9089% | 1,995 |
| Assets per employee ($millions) | 5.0681% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 4,739 |
| Loan loss allowance to noncurrent loans | 202.9160% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 4,030 |
| Noncurrent loans to loans | 0.4495% | 3,539 |
| Net loans and leases to total assets | 68.5362% | 2,697 |
| Net loans and leases to deposits | 76.6098% | 3,251 |
| Net loans and leases to core deposits | 82.7612% | 3,149 |
| Total domestic deposits to total assets | 89.4614% | 876 |
| Equity capital to assets | 10.1669% | 3,527 |
| Core capital (leverage) ratio | 10.3985% | 2,991 |
| Tier 1 risk-based capital ratio | 14.8139% | 3,042 |
| Total risk-based capital ratio | 15.7224% | 3,136 |
| Memoranda: | ||
| Average total assets | $184,395,400 | 3,113 |
| Average earning assets | $174,145,600 | 3,065 |
| Average equity | $18,905,800 | 3,280 |
| Average total loans | $131,900,600 | 2,892 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4779% | 4,873 |
| Cost of funding earning assets | 0.6859% | 872 |
| Net interest margin | 2.7920% | 5,371 |
| Noninterest income to average assets | 0.4204% | 3,772 |
| Noninterest expense to average assets | 2.3462% | 4,418 |
| Loan and lease loss provision to assets | 0.0654% | 2,919 |
| Net operating income to assets | 0.4640% | 4,823 |
| Return on assets (ROA) | 0.4640% | 4,900 |
| Pretax return on assets | 0.6543% | 4,727 |
| Return on Equity (ROE) | 4.5160% | 4,713 |
| Retained earnings to average equity (ytd only) | 4.5160% | 3,127 |
| Net charge-offs to loans | 0.1842% | 1,271 |
| Credit loss provision to net charge-offs | 49.1803% | 3,043 |
| Earnings coverage of net charge-offs (x) | 5.4154% | 3,132 |
| Efficiency ratio | 76.5277% | 1,904 |
| Assets per employee ($millions) | 5.1286% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 4,980 |
| Loan loss allowance to noncurrent loans | 275.4762% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 4,535 |
| Noncurrent loans to loans | 0.3147% | 4,126 |
| Net loans and leases to total assets | 71.6480% | 2,236 |
| Net loans and leases to deposits | 80.2644% | 2,926 |
| Net loans and leases to core deposits | 86.9808% | 2,849 |
| Total domestic deposits to total assets | 89.2650% | 770 |
| Equity capital to assets | 10.4095% | 3,666 |
| Core capital (leverage) ratio | 10.4194% | 3,084 |
| Tier 1 risk-based capital ratio | 14.7782% | 3,152 |
| Total risk-based capital ratio | 15.6745% | 3,252 |
| Memoranda: | ||
| Average total assets | $183,614,250 | 3,135 |
| Average earning assets | $173,968,250 | 3,085 |
| Average equity | $18,866,000 | 3,310 |
| Average total loans | $132,450,250 | 2,896 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4586% | 4,967 |
| Cost of funding earning assets | 0.6797% | 894 |
| Net interest margin | 2.7788% | 5,458 |
| Noninterest income to average assets | 0.4016% | 3,861 |
| Noninterest expense to average assets | 2.3135% | 4,573 |
| Loan and lease loss provision to assets | 0.0655% | 2,836 |
| Net operating income to assets | 0.4911% | 4,713 |
| Return on assets (ROA) | 0.4911% | 4,815 |
| Pretax return on assets | 0.6548% | 4,748 |
| Return on Equity (ROE) | 4.8004% | 4,601 |
| Retained earnings to average equity (ytd only) | 4.8004% | 2,866 |
| Net charge-offs to loans | 0.2679% | 892 |
| Credit loss provision to net charge-offs | 33.8983% | 2,822 |
| Earnings coverage of net charge-offs (x) | 3.7288% | 3,066 |
| Efficiency ratio | 76.2590% | 2,042 |
| Assets per employee ($millions) | 5.0243% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8602% | 5,100 |
| Loan loss allowance to noncurrent loans | 324.0000% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 4,711 |
| Noncurrent loans to loans | 0.2655% | 4,411 |
| Net loans and leases to total assets | 72.2587% | 2,124 |
| Net loans and leases to deposits | 81.0570% | 2,810 |
| Net loans and leases to core deposits | 87.9866% | 2,729 |
| Total domestic deposits to total assets | 89.1455% | 853 |
| Equity capital to assets | 10.5554% | 3,574 |
| Core capital (leverage) ratio | 10.2788% | 3,231 |
| Tier 1 risk-based capital ratio | 15.1333% | 3,018 |
| Total risk-based capital ratio | 16.0419% | 3,105 |
| Memoranda: | ||
| Average total assets | $183,276,000 | 3,152 |
| Average earning assets | $173,598,670 | 3,103 |
| Average equity | $18,748,330 | 3,332 |
| Average total loans | $132,120,330 | 2,901 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4277% | 5,057 |
| Cost of funding earning assets | 0.6626% | 979 |
| Net interest margin | 2.7651% | 5,524 |
| Noninterest income to average assets | 0.4055% | 3,787 |
| Noninterest expense to average assets | 2.3699% | 4,455 |
| Loan and lease loss provision to assets | 0.0650% | 2,658 |
| Net operating income to assets | 0.3664% | 5,091 |
| Return on assets (ROA) | 0.3664% | 5,169 |
| Pretax return on assets | 0.5854% | 4,860 |
| Return on Equity (ROE) | 3.6390% | 5,018 |
| Retained earnings to average equity (ytd only) | 3.6390% | 3,672 |
| Net charge-offs to loans | -0.0333% | 5,110 |
| Credit loss provision to net charge-offs | -272.7273% | 4,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4637% | 1,827 |
| Assets per employee ($millions) | 4.9548% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 4,705 |
| Loan loss allowance to noncurrent loans | 162.3116% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 3,848 |
| Noncurrent loans to loans | 0.6055% | 3,362 |
| Net loans and leases to total assets | 70.9990% | 2,193 |
| Net loans and leases to deposits | 79.3486% | 2,874 |
| Net loans and leases to core deposits | 85.9029% | 2,757 |
| Total domestic deposits to total assets | 89.4773% | 853 |
| Equity capital to assets | 10.1976% | 3,842 |
| Core capital (leverage) ratio | 10.1862% | 3,331 |
| Tier 1 risk-based capital ratio | 14.6924% | 3,291 |
| Total risk-based capital ratio | 15.7126% | 3,351 |
| Memoranda: | ||
| Average total assets | $184,476,500 | 3,147 |
| Average earning assets | $174,460,000 | 3,108 |
| Average equity | $18,576,500 | 3,360 |
| Average total loans | $132,264,500 | 2,900 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4138% | 5,123 |
| Cost of funding earning assets | 0.6179% | 1,251 |
| Net interest margin | 2.7959% | 5,519 |
| Noninterest income to average assets | 0.4160% | 3,916 |
| Noninterest expense to average assets | 2.3825% | 4,555 |
| Loan and lease loss provision to assets | 0.1045% | 2,241 |
| Net operating income to assets | 0.3944% | 5,074 |
| Return on assets (ROA) | 0.3944% | 5,150 |
| Pretax return on assets | 0.5769% | 4,916 |
| Return on Equity (ROE) | 3.9236% | 4,980 |
| Retained earnings to average equity (ytd only) | 3.9236% | 3,249 |
| Net charge-offs to loans | 0.0456% | 3,303 |
| Credit loss provision to net charge-offs | 320.3390% | 931 |
| Earnings coverage of net charge-offs (x) | 20.8814% | 1,849 |
| Efficiency ratio | 77.7577% | 2,002 |
| Assets per employee ($millions) | 5.3036% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 4,920 |
| Loan loss allowance to noncurrent loans | 131.9958% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 3,594 |
| Noncurrent loans to loans | 0.7116% | 3,054 |
| Net loans and leases to total assets | 71.0174% | 2,196 |
| Net loans and leases to deposits | 79.1596% | 2,927 |
| Net loans and leases to core deposits | 85.3757% | 2,841 |
| Total domestic deposits to total assets | 89.7142% | 748 |
| Equity capital to assets | 9.9437% | 4,028 |
| Core capital (leverage) ratio | 10.1418% | 3,333 |
| Tier 1 risk-based capital ratio | 14.3471% | 3,524 |
| Total risk-based capital ratio | 15.3198% | 3,594 |
| Memoranda: | ||
| Average total assets | $180,779,600 | 3,155 |
| Average earning assets | $171,215,600 | 3,109 |
| Average equity | $18,172,000 | 3,358 |
| Average total loans | $129,333,400 | 2,894 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4241% | 5,151 |
| Cost of funding earning assets | 0.6112% | 1,337 |
| Net interest margin | 2.8129% | 5,555 |
| Noninterest income to average assets | 0.4225% | 3,923 |
| Noninterest expense to average assets | 2.3471% | 4,660 |
| Loan and lease loss provision to assets | 0.1181% | 1,927 |
| Net operating income to assets | 0.4255% | 5,069 |
| Return on assets (ROA) | 0.4255% | 5,153 |
| Pretax return on assets | 0.6230% | 4,915 |
| Return on Equity (ROE) | 4.2208% | 4,947 |
| Retained earnings to average equity (ytd only) | 4.2208% | 3,463 |
| Net charge-offs to loans | 0.1007% | 2,139 |
| Credit loss provision to net charge-offs | 163.9175% | 1,570 |
| Earnings coverage of net charge-offs (x) | 10.2886% | 2,610 |
| Efficiency ratio | 76.0038% | 2,251 |
| Assets per employee ($millions) | 4.8906% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 5,095 |
| Loan loss allowance to noncurrent loans | 128.7582% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 3,804 |
| Noncurrent loans to loans | 0.7186% | 3,178 |
| Net loans and leases to total assets | 69.9425% | 2,394 |
| Net loans and leases to deposits | 78.2074% | 3,079 |
| Net loans and leases to core deposits | 85.9260% | 2,858 |
| Total domestic deposits to total assets | 89.4321% | 807 |
| Equity capital to assets | 10.1684% | 3,974 |
| Core capital (leverage) ratio | 9.9960% | 3,630 |
| Tier 1 risk-based capital ratio | 14.6740% | 3,455 |
| Total risk-based capital ratio | 15.6219% | 3,559 |
| Memoranda: | ||
| Average total assets | $179,568,250 | 3,195 |
| Average earning assets | $170,164,250 | 3,145 |
| Average equity | $18,100,500 | 3,392 |
| Average total loans | $128,397,750 | 2,930 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3923% | 5,247 |
| Cost of funding earning assets | 0.5941% | 1,459 |
| Net interest margin | 2.7982% | 5,616 |
| Noninterest income to average assets | 0.4165% | 3,955 |
| Noninterest expense to average assets | 2.3472% | 4,725 |
| Loan and lease loss provision to assets | 0.1027% | 2,119 |
| Net operating income to assets | 0.4277% | 5,045 |
| Return on assets (ROA) | 0.4277% | 5,149 |
| Pretax return on assets | 0.6175% | 4,933 |
| Return on Equity (ROE) | 4.2554% | 4,922 |
| Retained earnings to average equity (ytd only) | 4.2554% | 3,317 |
| Net charge-offs to loans | 0.0249% | 3,178 |
| Credit loss provision to net charge-offs | 575.0000% | 572 |
| Earnings coverage of net charge-offs (x) | 40.3125% | 1,124 |
| Efficiency ratio | 76.5198% | 2,279 |
| Assets per employee ($millions) | 4.9846% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 5,206 |
| Loan loss allowance to noncurrent loans | 20.9788% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 3.1770% | 496 |
| Noncurrent loans to loans | 4.3975% | 318 |
| Net loans and leases to total assets | 71.5794% | 2,059 |
| Net loans and leases to deposits | 80.0320% | 2,777 |
| Net loans and leases to core deposits | 87.5002% | 2,610 |
| Total domestic deposits to total assets | 89.4385% | 932 |
| Equity capital to assets | 10.1397% | 3,883 |
| Core capital (leverage) ratio | 10.1360% | 3,420 |
| Tier 1 risk-based capital ratio | 14.4879% | 3,647 |
| Total risk-based capital ratio | 15.4449% | 3,745 |
| Memoranda: | ||
| Average total assets | $179,106,670 | 3,226 |
| Average earning assets | $169,680,330 | 3,168 |
| Average equity | $18,000,670 | 3,422 |
| Average total loans | $128,615,330 | 2,936 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4245% | 5,154 |
| Cost of funding earning assets | 0.5979% | 1,451 |
| Net interest margin | 2.8266% | 5,592 |
| Noninterest income to average assets | 0.4024% | 3,985 |
| Noninterest expense to average assets | 2.3472% | 4,749 |
| Loan and lease loss provision to assets | 0.0671% | 2,599 |
| Net operating income to assets | 0.4448% | 4,897 |
| Return on assets (ROA) | 0.4448% | 5,012 |
| Pretax return on assets | 0.6617% | 4,721 |
| Return on Equity (ROE) | 4.4461% | 4,785 |
| Retained earnings to average equity (ytd only) | 4.4461% | 3,351 |
| Net charge-offs to loans | 0.0437% | 2,368 |
| Credit loss provision to net charge-offs | 214.2857% | 1,001 |
| Earnings coverage of net charge-offs (x) | 23.2857% | 1,327 |
| Efficiency ratio | 76.3081% | 2,466 |
| Assets per employee ($millions) | 4.9486% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 5,488 |
| Loan loss allowance to noncurrent loans | 216.7939% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 4,794 |
| Noncurrent loans to loans | 0.4074% | 4,372 |
| Net loans and leases to total assets | 71.5668% | 1,883 |
| Net loans and leases to deposits | 79.9525% | 2,563 |
| Net loans and leases to core deposits | 86.3245% | 2,511 |
| Total domestic deposits to total assets | 89.5117% | 988 |
| Equity capital to assets | 10.1206% | 3,983 |
| Core capital (leverage) ratio | 9.9804% | 3,627 |
| Tier 1 risk-based capital ratio | 14.3991% | 3,776 |
| Total risk-based capital ratio | 15.3118% | 3,892 |
| Memoranda: | ||
| Average total assets | $178,938,000 | 3,251 |
| Average earning assets | $169,251,000 | 3,188 |
| Average equity | $17,903,500 | 3,461 |
| Average total loans | $128,102,500 | 2,946 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3269% | 5,665 |
| Cost of funding earning assets | 0.6664% | 1,289 |
| Net interest margin | 2.6604% | 5,995 |
| Noninterest income to average assets | 0.4377% | 3,917 |
| Noninterest expense to average assets | 2.2752% | 5,172 |
| Loan and lease loss provision to assets | 0.0306% | 3,990 |
| Net operating income to assets | 0.4243% | 5,133 |
| Return on assets (ROA) | 0.4243% | 5,209 |
| Pretax return on assets | 0.6504% | 4,781 |
| Return on Equity (ROE) | 4.3807% | 4,945 |
| Retained earnings to average equity (ytd only) | 4.3807% | 3,060 |
| Net charge-offs to loans | 0.0371% | 4,095 |
| Credit loss provision to net charge-offs | 122.2222% | 1,960 |
| Earnings coverage of net charge-offs (x) | 27.1778% | 1,441 |
| Efficiency ratio | 76.9636% | 2,355 |
| Assets per employee ($millions) | 4.9924% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8779% | 5,538 |
| Loan loss allowance to noncurrent loans | 139.8252% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 4,331 |
| Noncurrent loans to loans | 0.6279% | 3,807 |
| Net loans and leases to total assets | 70.3586% | 2,179 |
| Net loans and leases to deposits | 78.4213% | 2,921 |
| Net loans and leases to core deposits | 84.7108% | 2,821 |
| Total domestic deposits to total assets | 89.7187% | 866 |
| Equity capital to assets | 9.8912% | 4,242 |
| Core capital (leverage) ratio | 9.9320% | 3,674 |
| Tier 1 risk-based capital ratio | 14.1731% | 3,983 |
| Total risk-based capital ratio | 15.0687% | 4,158 |
| Memoranda: | ||
| Average total assets | $179,591,800 | 3,213 |
| Average earning assets | $170,009,400 | 3,155 |
| Average equity | $17,394,400 | 3,469 |
| Average total loans | $121,364,000 | 3,014 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2894% | 5,789 |
| Cost of funding earning assets | 0.6817% | 1,248 |
| Net interest margin | 2.6077% | 6,127 |
| Noninterest income to average assets | 0.4307% | 4,015 |
| Noninterest expense to average assets | 2.2558% | 5,212 |
| Loan and lease loss provision to assets | 0.0186% | 4,037 |
| Net operating income to assets | 0.3965% | 5,259 |
| Return on assets (ROA) | 0.3965% | 5,336 |
| Pretax return on assets | 0.6275% | 4,939 |
| Return on Equity (ROE) | 4.1158% | 5,127 |
| Retained earnings to average equity (ytd only) | 4.1158% | 3,725 |
| Net charge-offs to loans | 0.0456% | 3,582 |
| Credit loss provision to net charge-offs | 60.9756% | 2,921 |
| Earnings coverage of net charge-offs (x) | 21.2177% | 1,689 |
| Efficiency ratio | 77.7380% | 2,225 |
| Assets per employee ($millions) | 4.9345% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 5,645 |
| Loan loss allowance to noncurrent loans | 127.5058% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 4,444 |
| Noncurrent loans to loans | 0.6943% | 3,875 |
| Net loans and leases to total assets | 68.9533% | 2,377 |
| Net loans and leases to deposits | 76.8618% | 3,085 |
| Net loans and leases to core deposits | 83.2654% | 2,967 |
| Total domestic deposits to total assets | 89.7108% | 869 |
| Equity capital to assets | 9.8794% | 4,322 |
| Core capital (leverage) ratio | 9.7586% | 3,983 |
| Tier 1 risk-based capital ratio | 14.4626% | 3,909 |
| Total risk-based capital ratio | 15.3669% | 4,068 |
| Memoranda: | ||
| Average total assets | $179,558,500 | 3,239 |
| Average earning assets | $170,156,000 | 3,185 |
| Average equity | $17,298,750 | 3,498 |
| Average total loans | $119,812,000 | 3,056 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2308% | 5,905 |
| Cost of funding earning assets | 0.6888% | 1,248 |
| Net interest margin | 2.5420% | 6,231 |
| Noninterest income to average assets | 0.4151% | 4,132 |
| Noninterest expense to average assets | 2.2642% | 5,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3685% | 5,336 |
| Return on assets (ROA) | 0.3685% | 5,407 |
| Pretax return on assets | 0.5594% | 5,099 |
| Return on Equity (ROE) | 3.8571% | 5,201 |
| Retained earnings to average equity (ytd only) | 3.8571% | 3,720 |
| Net charge-offs to loans | -0.0067% | 5,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1887% | 1,997 |
| Assets per employee ($millions) | 5.0108% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 5,684 |
| Loan loss allowance to noncurrent loans | 165.2819% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 4,907 |
| Noncurrent loans to loans | 0.5528% | 4,357 |
| Net loans and leases to total assets | 66.9754% | 2,587 |
| Net loans and leases to deposits | 74.4149% | 3,276 |
| Net loans and leases to core deposits | 80.4562% | 3,160 |
| Total domestic deposits to total assets | 90.0028% | 812 |
| Equity capital to assets | 9.6397% | 4,575 |
| Core capital (leverage) ratio | 9.5264% | 4,289 |
| Tier 1 risk-based capital ratio | 14.6160% | 3,855 |
| Total risk-based capital ratio | 15.5575% | 3,991 |
| Memoranda: | ||
| Average total assets | $180,197,330 | 3,249 |
| Average earning assets | $170,733,000 | 3,192 |
| Average equity | $17,215,000 | 3,516 |
| Average total loans | $118,554,670 | 3,090 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1879% | 6,020 |
| Cost of funding earning assets | 0.6925% | 1,295 |
| Net interest margin | 2.4954% | 6,339 |
| Noninterest income to average assets | 0.3887% | 4,284 |
| Noninterest expense to average assets | 2.2476% | 5,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3665% | 5,250 |
| Return on assets (ROA) | 0.3665% | 5,313 |
| Pretax return on assets | 0.5019% | 5,163 |
| Return on Equity (ROE) | 3.8533% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.8533% | 3,812 |
| Net charge-offs to loans | 0.0171% | 3,241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 45.2000% | 813 |
| Efficiency ratio | 81.7447% | 1,959 |
| Assets per employee ($millions) | 5.0783% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9477% | 5,709 |
| Loan loss allowance to noncurrent loans | 164.6796% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 5,060 |
| Noncurrent loans to loans | 0.5755% | 4,438 |
| Net loans and leases to total assets | 63.1703% | 3,041 |
| Net loans and leases to deposits | 70.0042% | 3,600 |
| Net loans and leases to core deposits | 75.4503% | 3,470 |
| Total domestic deposits to total assets | 90.2379% | 944 |
| Equity capital to assets | 9.4103% | 4,611 |
| Core capital (leverage) ratio | 9.4428% | 4,356 |
| Tier 1 risk-based capital ratio | 15.1337% | 3,635 |
| Total risk-based capital ratio | 16.1101% | 3,737 |
| Memoranda: | ||
| Average total assets | $180,101,000 | 3,275 |
| Average earning assets | $170,392,000 | 3,215 |
| Average equity | $17,128,000 | 3,537 |
| Average total loans | $116,866,500 | 3,142 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3346% | 5,942 |
| Cost of funding earning assets | 0.8454% | 969 |
| Net interest margin | 2.4892% | 6,380 |
| Noninterest income to average assets | 0.5140% | 3,674 |
| Noninterest expense to average assets | 2.3081% | 5,359 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3825% | 5,208 |
| Return on assets (ROA) | 0.3825% | 5,320 |
| Pretax return on assets | 0.5527% | 5,038 |
| Return on Equity (ROE) | 4.0634% | 5,082 |
| Retained earnings to average equity (ytd only) | 4.0634% | 3,295 |
| Net charge-offs to loans | 0.0236% | 4,956 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 36.4444% | 1,025 |
| Efficiency ratio | 80.6794% | 2,059 |
| Assets per employee ($millions) | 5.0681% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9476% | 5,765 |
| Loan loss allowance to noncurrent loans | 106.1185% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 4,470 |
| Noncurrent loans to loans | 0.8929% | 3,760 |
| Net loans and leases to total assets | 65.4125% | 2,786 |
| Net loans and leases to deposits | 72.6891% | 3,430 |
| Net loans and leases to core deposits | 78.2612% | 3,323 |
| Total domestic deposits to total assets | 89.9894% | 1,087 |
| Equity capital to assets | 9.6132% | 4,270 |
| Core capital (leverage) ratio | 9.5823% | 4,137 |
| Tier 1 risk-based capital ratio | 14.8598% | 3,744 |
| Total risk-based capital ratio | 15.8322% | 3,849 |
| Memoranda: | ||
| Average total assets | $178,024,400 | 3,290 |
| Average earning assets | $167,844,600 | 3,243 |
| Average equity | $16,759,200 | 3,594 |
| Average total loans | $114,646,200 | 3,159 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3437% | 5,985 |
| Cost of funding earning assets | 0.8798% | 907 |
| Net interest margin | 2.4639% | 6,461 |
| Noninterest income to average assets | 0.5373% | 3,539 |
| Noninterest expense to average assets | 2.2987% | 5,349 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4048% | 5,229 |
| Return on assets (ROA) | 0.4048% | 5,363 |
| Pretax return on assets | 0.5605% | 5,168 |
| Return on Equity (ROE) | 4.3229% | 5,065 |
| Retained earnings to average equity (ytd only) | 4.3229% | 3,601 |
| Net charge-offs to loans | 0.0269% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 32.5608% | 1,164 |
| Efficiency ratio | 80.3978% | 2,042 |
| Assets per employee ($millions) | 4.8981% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 5,894 |
| Loan loss allowance to noncurrent loans | 127.7523% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 4,959 |
| Noncurrent loans to loans | 0.7492% | 4,350 |
| Net loans and leases to total assets | 65.3725% | 2,739 |
| Net loans and leases to deposits | 72.6631% | 3,436 |
| Net loans and leases to core deposits | 78.0838% | 3,356 |
| Total domestic deposits to total assets | 89.9666% | 1,015 |
| Equity capital to assets | 9.5996% | 4,416 |
| Core capital (leverage) ratio | 9.4614% | 4,460 |
| Tier 1 risk-based capital ratio | 14.6318% | 3,995 |
| Total risk-based capital ratio | 15.6007% | 4,130 |
| Memoranda: | ||
| Average total assets | $178,185,000 | 3,321 |
| Average earning assets | $167,911,250 | 3,271 |
| Average equity | $16,686,000 | 3,645 |
| Average total loans | $114,022,750 | 3,183 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3570% | 5,992 |
| Cost of funding earning assets | 0.9091% | 856 |
| Net interest margin | 2.4479% | 6,501 |
| Noninterest income to average assets | 0.5716% | 3,374 |
| Noninterest expense to average assets | 2.3199% | 5,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4161% | 5,156 |
| Return on assets (ROA) | 0.4161% | 5,314 |
| Pretax return on assets | 0.5559% | 5,181 |
| Return on Equity (ROE) | 4.4804% | 5,009 |
| Retained earnings to average equity (ytd only) | 4.4804% | 3,414 |
| Net charge-offs to loans | 0.0106% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 82.8333% | 547 |
| Efficiency ratio | 80.6690% | 2,068 |
| Assets per employee ($millions) | 4.8228% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 5,795 |
| Loan loss allowance to noncurrent loans | 172.4085% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 5,381 |
| Noncurrent loans to loans | 0.5833% | 4,800 |
| Net loans and leases to total assets | 62.3879% | 3,220 |
| Net loans and leases to deposits | 69.1753% | 3,835 |
| Net loans and leases to core deposits | 73.5586% | 3,864 |
| Total domestic deposits to total assets | 90.1880% | 923 |
| Equity capital to assets | 9.3827% | 4,744 |
| Core capital (leverage) ratio | 9.3027% | 4,535 |
| Tier 1 risk-based capital ratio | 15.1251% | 3,695 |
| Total risk-based capital ratio | 16.1523% | 3,809 |
| Memoranda: | ||
| Average total assets | $178,803,000 | 3,326 |
| Average earning assets | $168,307,330 | 3,280 |
| Average equity | $16,605,670 | 3,686 |
| Average total loans | $113,235,000 | 3,205 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4176% | 5,901 |
| Cost of funding earning assets | 0.9241% | 880 |
| Net interest margin | 2.4935% | 6,519 |
| Noninterest income to average assets | 0.4358% | 4,215 |
| Noninterest expense to average assets | 2.3421% | 5,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3822% | 5,202 |
| Return on assets (ROA) | 0.3822% | 5,347 |
| Pretax return on assets | 0.4336% | 5,456 |
| Return on Equity (ROE) | 4.1362% | 5,023 |
| Retained earnings to average equity (ytd only) | 4.1362% | 3,738 |
| Net charge-offs to loans | -0.0282% | 5,869 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3800% | 1,714 |
| Assets per employee ($millions) | 4.8974% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 5,851 |
| Loan loss allowance to noncurrent loans | 147.5515% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 5,198 |
| Noncurrent loans to loans | 0.7023% | 4,724 |
| Net loans and leases to total assets | 60.3481% | 3,366 |
| Net loans and leases to deposits | 66.7061% | 3,949 |
| Net loans and leases to core deposits | 70.7180% | 3,980 |
| Total domestic deposits to total assets | 90.4686% | 782 |
| Equity capital to assets | 9.1704% | 5,289 |
| Core capital (leverage) ratio | 9.2072% | 4,559 |
| Tier 1 risk-based capital ratio | 15.2894% | 3,661 |
| Total risk-based capital ratio | 16.3535% | 3,724 |
| Memoranda: | ||
| Average total assets | $178,982,000 | 3,356 |
| Average earning assets | $167,955,000 | 3,308 |
| Average equity | $16,537,000 | 3,734 |
| Average total loans | $113,623,000 | 3,215 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8201% | 5,773 |
| Cost of funding earning assets | 1.0348% | 1,187 |
| Net interest margin | 2.7853% | 6,396 |
| Noninterest income to average assets | 0.5032% | 3,876 |
| Noninterest expense to average assets | 2.3410% | 5,589 |
| Loan and lease loss provision to assets | 0.0377% | 5,408 |
| Net operating income to assets | 0.5077% | 4,649 |
| Return on assets (ROA) | 0.5077% | 4,914 |
| Pretax return on assets | 0.7286% | 4,560 |
| Return on Equity (ROE) | 5.6368% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.6368% | 2,292 |
| Net charge-offs to loans | 0.0331% | 5,454 |
| Credit loss provision to net charge-offs | 181.0811% | 1,454 |
| Earnings coverage of net charge-offs (x) | 36.8378% | 860 |
| Efficiency ratio | 75.3392% | 2,856 |
| Assets per employee ($millions) | 4.7774% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 6,052 |
| Loan loss allowance to noncurrent loans | 192.3858% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 5,541 |
| Noncurrent loans to loans | 0.5062% | 5,268 |
| Net loans and leases to total assets | 65.4055% | 2,633 |
| Net loans and leases to deposits | 72.4536% | 3,336 |
| Net loans and leases to core deposits | 76.6287% | 3,443 |
| Total domestic deposits to total assets | 90.2722% | 816 |
| Equity capital to assets | 9.3103% | 5,141 |
| Core capital (leverage) ratio | 9.3362% | 4,349 |
| Tier 1 risk-based capital ratio | 14.2840% | 4,178 |
| Total risk-based capital ratio | 15.2814% | 4,321 |
| Memoranda: | ||
| Average total assets | $177,871,800 | 3,338 |
| Average earning assets | $166,304,400 | 3,286 |
| Average equity | $16,019,600 | 3,770 |
| Average total loans | $111,643,000 | 3,262 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8394% | 5,927 |
| Cost of funding earning assets | 1.0574% | 1,248 |
| Net interest margin | 2.7820% | 6,526 |
| Noninterest income to average assets | 0.5127% | 3,843 |
| Noninterest expense to average assets | 2.3193% | 5,639 |
| Loan and lease loss provision to assets | 0.0501% | 5,136 |
| Net operating income to assets | 0.5179% | 4,773 |
| Return on assets (ROA) | 0.5179% | 5,035 |
| Pretax return on assets | 0.7484% | 4,682 |
| Return on Equity (ROE) | 5.7990% | 4,438 |
| Retained earnings to average equity (ytd only) | 5.7990% | 2,835 |
| Net charge-offs to loans | 0.0242% | 5,328 |
| Credit loss provision to net charge-offs | 335.0000% | 793 |
| Earnings coverage of net charge-offs (x) | 53.3420% | 721 |
| Efficiency ratio | 74.3879% | 2,919 |
| Assets per employee ($millions) | 4.7185% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 5,932 |
| Loan loss allowance to noncurrent loans | 195.9253% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 5,736 |
| Noncurrent loans to loans | 0.5314% | 5,383 |
| Net loans and leases to total assets | 62.8292% | 3,236 |
| Net loans and leases to deposits | 69.6265% | 3,945 |
| Net loans and leases to core deposits | 73.8466% | 3,993 |
| Total domestic deposits to total assets | 90.2375% | 707 |
| Equity capital to assets | 9.3192% | 5,445 |
| Core capital (leverage) ratio | 9.1843% | 4,790 |
| Tier 1 risk-based capital ratio | 14.9050% | 3,918 |
| Total risk-based capital ratio | 15.9754% | 3,995 |
| Memoranda: | ||
| Average total assets | $178,149,250 | 3,380 |
| Average earning assets | $166,827,500 | 3,311 |
| Average equity | $15,910,250 | 3,831 |
| Average total loans | $110,366,500 | 3,320 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8281% | 6,072 |
| Cost of funding earning assets | 1.0801% | 1,312 |
| Net interest margin | 2.7480% | 6,652 |
| Noninterest income to average assets | 0.4595% | 4,211 |
| Noninterest expense to average assets | 2.3163% | 5,685 |
| Loan and lease loss provision to assets | 0.0502% | 5,045 |
| Net operating income to assets | 0.4740% | 4,936 |
| Return on assets (ROA) | 0.4740% | 5,187 |
| Pretax return on assets | 0.6636% | 4,930 |
| Return on Equity (ROE) | 5.3830% | 4,635 |
| Retained earnings to average equity (ytd only) | 5.3830% | 3,053 |
| Net charge-offs to loans | 0.0036% | 5,462 |
| Credit loss provision to net charge-offs | 2,250.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 320.0000% | 128 |
| Efficiency ratio | 76.4446% | 2,680 |
| Assets per employee ($millions) | 4.7689% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 6,040 |
| Loan loss allowance to noncurrent loans | 269.9531% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 6,032 |
| Noncurrent loans to loans | 0.3810% | 5,777 |
| Net loans and leases to total assets | 62.7167% | 3,283 |
| Net loans and leases to deposits | 69.2878% | 3,999 |
| Net loans and leases to core deposits | 73.1956% | 4,141 |
| Total domestic deposits to total assets | 90.5162% | 654 |
| Equity capital to assets | 9.0661% | 5,626 |
| Core capital (leverage) ratio | 8.7476% | 5,303 |
| Tier 1 risk-based capital ratio | 14.6124% | 4,027 |
| Total risk-based capital ratio | 15.6757% | 4,119 |
| Memoranda: | ||
| Average total assets | $179,337,000 | 3,364 |
| Average earning assets | $167,759,000 | 3,296 |
| Average equity | $15,790,330 | 3,838 |
| Average total loans | $110,207,000 | 3,329 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 6,080 |
| Cost of funding earning assets | 1.1099% | 1,350 |
| Net interest margin | 2.7652% | 6,685 |
| Noninterest income to average assets | 0.4315% | 4,443 |
| Noninterest expense to average assets | 2.3078% | 5,748 |
| Loan and lease loss provision to assets | 0.0509% | 4,774 |
| Net operating income to assets | 0.4669% | 4,972 |
| Return on assets (ROA) | 0.4669% | 5,165 |
| Pretax return on assets | 0.6527% | 4,932 |
| Return on Equity (ROE) | 5.3803% | 4,599 |
| Retained earnings to average equity (ytd only) | 5.3803% | 3,323 |
| Net charge-offs to loans | 0.0256% | 4,326 |
| Credit loss provision to net charge-offs | 328.5714% | 914 |
| Earnings coverage of net charge-offs (x) | 45.4286% | 679 |
| Efficiency ratio | 76.6348% | 2,692 |
| Assets per employee ($millions) | 4.9496% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 6,147 |
| Loan loss allowance to noncurrent loans | 159.5170% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 5,917 |
| Noncurrent loans to loans | 0.6458% | 5,350 |
| Net loans and leases to total assets | 58.9115% | 3,874 |
| Net loans and leases to deposits | 64.7321% | 4,524 |
| Net loans and leases to core deposits | 70.7405% | 4,328 |
| Total domestic deposits to total assets | 91.0082% | 552 |
| Equity capital to assets | 8.6188% | 5,969 |
| Core capital (leverage) ratio | 8.9620% | 4,897 |
| Tier 1 risk-based capital ratio | 14.6825% | 3,964 |
| Total risk-based capital ratio | 15.7402% | 4,077 |
| Memoranda: | ||
| Average total assets | $180,781,000 | 3,366 |
| Average earning assets | $168,668,000 | 3,309 |
| Average equity | $15,687,000 | 3,863 |
| Average total loans | $109,404,000 | 3,365 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 5,800 |
| Cost of funding earning assets | 1.3931% | 1,070 |
| Net interest margin | 2.8932% | 6,702 |
| Noninterest income to average assets | 0.4626% | 4,112 |
| Noninterest expense to average assets | 2.3599% | 5,881 |
| Loan and lease loss provision to assets | 0.0526% | 5,931 |
| Net operating income to assets | 0.4609% | 4,590 |
| Return on assets (ROA) | 0.4609% | 4,793 |
| Pretax return on assets | 0.7562% | 4,131 |
| Return on Equity (ROE) | 5.1949% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.1949% | 2,509 |
| Net charge-offs to loans | 0.0362% | 5,954 |
| Credit loss provision to net charge-offs | 225.0000% | 1,080 |
| Earnings coverage of net charge-offs (x) | 34.5750% | 750 |
| Efficiency ratio | 74.4740% | 3,148 |
| Assets per employee ($millions) | 4.8224% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 6,180 |
| Loan loss allowance to noncurrent loans | 123.8255% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 5,718 |
| Noncurrent loans to loans | 0.8142% | 5,063 |
| Net loans and leases to total assets | 60.9159% | 3,805 |
| Net loans and leases to deposits | 68.0744% | 4,444 |
| Net loans and leases to core deposits | 75.1017% | 4,084 |
| Total domestic deposits to total assets | 89.4843% | 1,273 |
| Equity capital to assets | 8.7374% | 5,862 |
| Core capital (leverage) ratio | 8.8509% | 5,019 |
| Tier 1 risk-based capital ratio | 14.3505% | 4,080 |
| Total risk-based capital ratio | 15.3835% | 4,184 |
| Memoranda: | ||
| Average total assets | $170,980,600 | 3,470 |
| Average earning assets | $159,929,000 | 3,408 |
| Average equity | $15,168,600 | 3,874 |
| Average total loans | $110,352,800 | 3,371 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3426% | 5,802 |
| Cost of funding earning assets | 1.4414% | 1,056 |
| Net interest margin | 2.9012% | 6,745 |
| Noninterest income to average assets | 0.4651% | 4,169 |
| Noninterest expense to average assets | 2.3738% | 5,836 |
| Loan and lease loss provision to assets | 0.0536% | 5,776 |
| Net operating income to assets | 0.4833% | 4,608 |
| Return on assets (ROA) | 0.4833% | 4,807 |
| Pretax return on assets | 0.7608% | 4,276 |
| Return on Equity (ROE) | 5.4259% | 4,322 |
| Retained earnings to average equity (ytd only) | 5.4259% | 2,894 |
| Net charge-offs to loans | 0.0615% | 5,350 |
| Credit loss provision to net charge-offs | 133.3333% | 2,386 |
| Earnings coverage of net charge-offs (x) | 20.2544% | 1,228 |
| Efficiency ratio | 74.4560% | 3,093 |
| Assets per employee ($millions) | 4.7651% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9436% | 6,471 |
| Loan loss allowance to noncurrent loans | 133.0855% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 5,906 |
| Noncurrent loans to loans | 0.7090% | 5,461 |
| Net loans and leases to total assets | 65.7258% | 2,962 |
| Net loans and leases to deposits | 73.7764% | 3,687 |
| Net loans and leases to core deposits | 81.7785% | 3,359 |
| Total domestic deposits to total assets | 89.0879% | 1,379 |
| Equity capital to assets | 9.0088% | 5,750 |
| Core capital (leverage) ratio | 8.8738% | 5,151 |
| Tier 1 risk-based capital ratio | 13.7867% | 4,510 |
| Total risk-based capital ratio | 14.7606% | 4,696 |
| Memoranda: | ||
| Average total assets | $169,118,750 | 3,534 |
| Average earning assets | $158,734,750 | 3,454 |
| Average equity | $15,063,250 | 3,904 |
| Average total loans | $110,491,500 | 3,401 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3182% | 5,959 |
| Cost of funding earning assets | 1.4698% | 1,117 |
| Net interest margin | 2.8484% | 6,867 |
| Noninterest income to average assets | 0.4397% | 4,347 |
| Noninterest expense to average assets | 2.4075% | 5,818 |
| Loan and lease loss provision to assets | 0.0535% | 5,644 |
| Net operating income to assets | 0.3993% | 4,947 |
| Return on assets (ROA) | 0.3993% | 5,103 |
| Pretax return on assets | 0.6524% | 4,569 |
| Return on Equity (ROE) | 4.5001% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.5001% | 3,330 |
| Net charge-offs to loans | 0.0823% | 4,820 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 13.2000% | 1,567 |
| Efficiency ratio | 77.3282% | 2,806 |
| Assets per employee ($millions) | 4.6188% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 6,499 |
| Loan loss allowance to noncurrent loans | 147.0097% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 6,091 |
| Noncurrent loans to loans | 0.6488% | 5,623 |
| Net loans and leases to total assets | 64.2303% | 3,411 |
| Net loans and leases to deposits | 71.9689% | 4,117 |
| Net loans and leases to core deposits | 79.8689% | 3,805 |
| Total domestic deposits to total assets | 89.2473% | 1,389 |
| Equity capital to assets | 8.8703% | 5,741 |
| Core capital (leverage) ratio | 8.6932% | 5,235 |
| Tier 1 risk-based capital ratio | 14.1075% | 4,094 |
| Total risk-based capital ratio | 15.1066% | 4,237 |
| Memoranda: | ||
| Average total assets | $168,310,670 | 3,568 |
| Average earning assets | $157,983,000 | 3,479 |
| Average equity | $14,933,000 | 3,919 |
| Average total loans | $109,381,330 | 3,471 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 6,025 |
| Cost of funding earning assets | 1.4590% | 1,334 |
| Net interest margin | 2.8388% | 6,849 |
| Noninterest income to average assets | 0.4622% | 4,170 |
| Noninterest expense to average assets | 2.4141% | 5,841 |
| Loan and lease loss provision to assets | 0.0551% | 5,316 |
| Net operating income to assets | 0.3521% | 5,167 |
| Return on assets (ROA) | 0.3521% | 5,248 |
| Pretax return on assets | 0.6538% | 4,477 |
| Return on Equity (ROE) | 3.9676% | 4,921 |
| Retained earnings to average equity (ytd only) | 3.9676% | 3,791 |
| Net charge-offs to loans | 0.1472% | 3,604 |
| Credit loss provision to net charge-offs | 57.5000% | 3,589 |
| Earnings coverage of net charge-offs (x) | 7.4000% | 1,954 |
| Efficiency ratio | 77.3006% | 2,942 |
| Assets per employee ($millions) | 4.6478% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 6,556 |
| Loan loss allowance to noncurrent loans | 162.7543% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.4606% | 6,068 |
| Noncurrent loans to loans | 0.5822% | 5,864 |
| Net loans and leases to total assets | 63.2222% | 3,599 |
| Net loans and leases to deposits | 70.6400% | 4,249 |
| Net loans and leases to core deposits | 77.8833% | 4,034 |
| Total domestic deposits to total assets | 89.4992% | 1,482 |
| Equity capital to assets | 8.6534% | 5,711 |
| Core capital (leverage) ratio | 8.8334% | 4,878 |
| Tier 1 risk-based capital ratio | 13.9708% | 4,093 |
| Total risk-based capital ratio | 14.9568% | 4,249 |
| Memoranda: | ||
| Average total assets | $167,018,000 | 3,606 |
| Average earning assets | $156,545,500 | 3,538 |
| Average equity | $14,820,000 | 3,935 |
| Average total loans | $108,660,000 | 3,521 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8434% | 5,260 |
| Cost of funding earning assets | 1.6797% | 1,687 |
| Net interest margin | 3.1637% | 6,356 |
| Noninterest income to average assets | 0.5188% | 4,035 |
| Noninterest expense to average assets | 2.6137% | 5,358 |
| Loan and lease loss provision to assets | 0.0504% | 6,652 |
| Net operating income to assets | 0.5459% | 3,904 |
| Return on assets (ROA) | 0.5459% | 4,055 |
| Pretax return on assets | 0.7877% | 3,676 |
| Return on Equity (ROE) | 6.0520% | 3,582 |
| Retained earnings to average equity (ytd only) | 6.0520% | 1,784 |
| Net charge-offs to loans | 0.1361% | 5,556 |
| Credit loss provision to net charge-offs | 55.1724% | 6,175 |
| Earnings coverage of net charge-offs (x) | 9.1793% | 1,862 |
| Efficiency ratio | 75.7205% | 3,089 |
| Assets per employee ($millions) | 4.2649% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 6,448 |
| Loan loss allowance to noncurrent loans | 93.0458% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 5,544 |
| Noncurrent loans to loans | 1.0562% | 4,960 |
| Net loans and leases to total assets | 65.7138% | 3,517 |
| Net loans and leases to deposits | 73.9441% | 4,200 |
| Net loans and leases to core deposits | 82.0583% | 3,903 |
| Total domestic deposits to total assets | 88.8695% | 1,733 |
| Equity capital to assets | 9.1067% | 4,985 |
| Core capital (leverage) ratio | 9.0251% | 4,500 |
| Tier 1 risk-based capital ratio | 13.7592% | 4,012 |
| Total risk-based capital ratio | 14.7561% | 4,171 |
| Memoranda: | ||
| Average total assets | $158,814,600 | 3,721 |
| Average earning assets | $147,232,000 | 3,682 |
| Average equity | $14,325,800 | 4,064 |
| Average total loans | $106,507,200 | 3,616 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 5,435 |
| Cost of funding earning assets | 1.7193% | 1,776 |
| Net interest margin | 3.1414% | 6,505 |
| Noninterest income to average assets | 0.4945% | 4,230 |
| Noninterest expense to average assets | 2.5999% | 5,322 |
| Loan and lease loss provision to assets | 0.0608% | 6,458 |
| Net operating income to assets | 0.5055% | 4,289 |
| Return on assets (ROA) | 0.5055% | 4,480 |
| Pretax return on assets | 0.7417% | 4,110 |
| Return on Equity (ROE) | 5.6174% | 3,998 |
| Retained earnings to average equity (ytd only) | 5.6174% | 2,582 |
| Net charge-offs to loans | -0.1054% | 7,560 |
| Credit loss provision to net charge-offs | -85.7143% | 6,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4137% | 2,873 |
| Assets per employee ($millions) | 4.1824% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 5,485 |
| Loan loss allowance to noncurrent loans | 46.0209% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 1.7769% | 3,778 |
| Noncurrent loans to loans | 2.6106% | 3,014 |
| Net loans and leases to total assets | 66.1281% | 3,658 |
| Net loans and leases to deposits | 74.5376% | 4,426 |
| Net loans and leases to core deposits | 82.2292% | 4,216 |
| Total domestic deposits to total assets | 88.7177% | 1,551 |
| Equity capital to assets | 9.1826% | 5,335 |
| Core capital (leverage) ratio | 8.9902% | 4,710 |
| Tier 1 risk-based capital ratio | 13.8083% | 3,975 |
| Total risk-based capital ratio | 15.0405% | 3,947 |
| Memoranda: | ||
| Average total assets | $158,001,250 | 3,797 |
| Average earning assets | $146,258,000 | 3,744 |
| Average equity | $14,217,500 | 4,156 |
| Average total loans | $106,244,500 | 3,676 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8540% | 5,596 |
| Cost of funding earning assets | 1.7640% | 1,795 |
| Net interest margin | 3.0901% | 6,629 |
| Noninterest income to average assets | 0.4376% | 4,629 |
| Noninterest expense to average assets | 2.5658% | 5,471 |
| Loan and lease loss provision to assets | 0.0609% | 6,343 |
| Net operating income to assets | 0.4426% | 4,576 |
| Return on assets (ROA) | 0.4426% | 4,729 |
| Pretax return on assets | 0.6659% | 4,350 |
| Return on Equity (ROE) | 4.9532% | 4,307 |
| Retained earnings to average equity (ytd only) | 4.9532% | 2,930 |
| Net charge-offs to loans | -0.2524% | 7,671 |
| Credit loss provision to net charge-offs | -35.8209% | 6,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9276% | 2,738 |
| Assets per employee ($millions) | 4.0628% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 5,373 |
| Loan loss allowance to noncurrent loans | 58.2924% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.4118% | 4,355 |
| Noncurrent loans to loans | 2.0858% | 3,605 |
| Net loans and leases to total assets | 66.8621% | 3,647 |
| Net loans and leases to deposits | 75.2516% | 4,476 |
| Net loans and leases to core deposits | 83.3514% | 4,234 |
| Total domestic deposits to total assets | 88.8514% | 1,521 |
| Equity capital to assets | 9.0344% | 5,394 |
| Core capital (leverage) ratio | 8.8615% | 4,816 |
| Tier 1 risk-based capital ratio | 13.5120% | 4,058 |
| Total risk-based capital ratio | 14.7623% | 4,023 |
| Memoranda: | ||
| Average total assets | $157,691,330 | 3,834 |
| Average earning assets | $145,693,000 | 3,782 |
| Average equity | $14,092,000 | 4,183 |
| Average total loans | $106,200,670 | 3,711 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9890% | 5,067 |
| Cost of funding earning assets | 1.8463% | 1,673 |
| Net interest margin | 3.1427% | 6,482 |
| Noninterest income to average assets | 0.3890% | 5,009 |
| Noninterest expense to average assets | 2.6012% | 5,356 |
| Loan and lease loss provision to assets | 0.0610% | 6,033 |
| Net operating income to assets | 0.3789% | 4,935 |
| Return on assets (ROA) | 0.3789% | 5,065 |
| Pretax return on assets | 0.6179% | 4,538 |
| Return on Equity (ROE) | 4.2631% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.2631% | 3,592 |
| Net charge-offs to loans | -0.3672% | 7,772 |
| Credit loss provision to net charge-offs | -24.7423% | 5,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3023% | 2,672 |
| Assets per employee ($millions) | 4.2801% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 5,550 |
| Loan loss allowance to noncurrent loans | 147.9762% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.6163% | 5,979 |
| Noncurrent loans to loans | 0.8047% | 5,705 |
| Net loans and leases to total assets | 65.1348% | 4,077 |
| Net loans and leases to deposits | 73.1000% | 4,883 |
| Net loans and leases to core deposits | 80.0301% | 4,760 |
| Total domestic deposits to total assets | 89.1036% | 1,469 |
| Equity capital to assets | 8.8821% | 5,432 |
| Core capital (leverage) ratio | 8.7863% | 4,876 |
| Tier 1 risk-based capital ratio | 13.3645% | 4,077 |
| Total risk-based capital ratio | 14.5621% | 4,069 |
| Memoranda: | ||
| Average total assets | $157,312,000 | 3,887 |
| Average earning assets | $144,718,000 | 3,859 |
| Average equity | $13,980,500 | 4,251 |
| Average total loans | $105,677,500 | 3,786 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0799% | 6,162 |
| Cost of funding earning assets | 2.3931% | 1,323 |
| Net interest margin | 2.6868% | 7,227 |
| Noninterest income to average assets | 0.5757% | 3,812 |
| Noninterest expense to average assets | 2.6192% | 5,718 |
| Loan and lease loss provision to assets | 0.9417% | 2,393 |
| Net operating income to assets | -0.2789% | 5,945 |
| Return on assets (ROA) | -0.2789% | 5,942 |
| Pretax return on assets | -0.4918% | 6,003 |
| Return on Equity (ROE) | -3.1386% | 6,004 |
| Retained earnings to average equity (ytd only) | -3.1386% | 5,727 |
| Net charge-offs to loans | 1.3059% | 1,902 |
| Credit loss provision to net charge-offs | 103.4916% | 5,337 |
| Earnings coverage of net charge-offs (x) | 0.4944% | 5,615 |
| Efficiency ratio | 85.3416% | 2,185 |
| Assets per employee ($millions) | 4.2232% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 6,129 |
| Loan loss allowance to noncurrent loans | 82.5607% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.9145% | 5,263 |
| Noncurrent loans to loans | 1.2705% | 4,807 |
| Net loans and leases to total assets | 67.7333% | 3,759 |
| Net loans and leases to deposits | 76.0389% | 4,740 |
| Net loans and leases to core deposits | 98.3844% | 4,189 |
| Total domestic deposits to total assets | 89.0772% | 1,448 |
| Equity capital to assets | 8.8922% | 5,293 |
| Core capital (leverage) ratio | 8.7150% | 4,901 |
| Tier 1 risk-based capital ratio | 12.6574% | 4,395 |
| Total risk-based capital ratio | 13.6923% | 4,519 |
| Memoranda: | ||
| Average total assets | $157,378,800 | 3,824 |
| Average earning assets | $146,045,400 | 3,777 |
| Average equity | $13,987,000 | 4,253 |
| Average total loans | $109,653,200 | 3,706 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0293% | 6,513 |
| Cost of funding earning assets | 2.4679% | 1,393 |
| Net interest margin | 2.5614% | 7,396 |
| Noninterest income to average assets | 0.6106% | 3,619 |
| Noninterest expense to average assets | 2.6386% | 5,567 |
| Loan and lease loss provision to assets | 1.2330% | 1,574 |
| Net operating income to assets | -0.5125% | 6,438 |
| Return on assets (ROA) | -0.5125% | 6,439 |
| Pretax return on assets | -0.8761% | 6,585 |
| Return on Equity (ROE) | -5.7672% | 6,531 |
| Retained earnings to average equity (ytd only) | -5.7672% | 6,361 |
| Net charge-offs to loans | 1.6665% | 1,216 |
| Credit loss provision to net charge-offs | 105.7288% | 4,810 |
| Earnings coverage of net charge-offs (x) | 0.3060% | 5,717 |
| Efficiency ratio | 88.0858% | 1,867 |
| Assets per employee ($millions) | 3.9277% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 5,897 |
| Loan loss allowance to noncurrent loans | 43.5655% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 1.7262% | 3,774 |
| Noncurrent loans to loans | 2.4566% | 3,066 |
| Net loans and leases to total assets | 67.7233% | 4,020 |
| Net loans and leases to deposits | 75.9394% | 5,057 |
| Net loans and leases to core deposits | 97.6343% | 4,645 |
| Total domestic deposits to total assets | 89.1806% | 1,110 |
| Equity capital to assets | 8.7679% | 5,856 |
| Core capital (leverage) ratio | 8.5810% | 5,326 |
| Tier 1 risk-based capital ratio | 12.3624% | 4,658 |
| Total risk-based capital ratio | 13.4201% | 4,769 |
| Memoranda: | ||
| Average total assets | $157,658,500 | 3,839 |
| Average earning assets | $146,788,750 | 3,780 |
| Average equity | $14,010,000 | 4,294 |
| Average total loans | $110,326,000 | 3,725 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9929% | 6,798 |
| Cost of funding earning assets | 2.4971% | 1,621 |
| Net interest margin | 2.4958% | 7,485 |
| Noninterest income to average assets | 0.6513% | 3,340 |
| Noninterest expense to average assets | 2.6368% | 5,601 |
| Loan and lease loss provision to assets | 1.7841% | 929 |
| Net operating income to assets | -0.8794% | 6,891 |
| Return on assets (ROA) | -0.8794% | 6,898 |
| Pretax return on assets | -1.4457% | 7,064 |
| Return on Equity (ROE) | -9.8521% | 7,020 |
| Retained earnings to average equity (ytd only) | -9.8521% | 6,857 |
| Net charge-offs to loans | 2.6822% | 629 |
| Credit loss provision to net charge-offs | 94.3700% | 4,791 |
| Earnings coverage of net charge-offs (x) | 0.1790% | 5,492 |
| Efficiency ratio | 88.6286% | 1,937 |
| Assets per employee ($millions) | 3.7837% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 6,681 |
| Loan loss allowance to noncurrent loans | 87.1252% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7761% | 5,453 |
| Noncurrent loans to loans | 1.0565% | 5,102 |
| Net loans and leases to total assets | 68.5507% | 4,062 |
| Net loans and leases to deposits | 76.9243% | 5,034 |
| Net loans and leases to core deposits | 98.5671% | 4,644 |
| Total domestic deposits to total assets | 89.1144% | 1,207 |
| Equity capital to assets | 8.7674% | 5,649 |
| Core capital (leverage) ratio | 8.5745% | 5,305 |
| Tier 1 risk-based capital ratio | 12.4120% | 4,590 |
| Total risk-based capital ratio | 13.3296% | 4,772 |
| Memoranda: | ||
| Average total assets | $157,842,330 | 3,864 |
| Average earning assets | $146,968,670 | 3,798 |
| Average equity | $14,088,330 | 4,291 |
| Average total loans | $111,251,670 | 3,737 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9567% | 7,044 |
| Cost of funding earning assets | 2.5027% | 1,910 |
| Net interest margin | 2.4541% | 7,554 |
| Noninterest income to average assets | 0.6633% | 3,113 |
| Noninterest expense to average assets | 2.5980% | 5,455 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3467% | 5,085 |
| Return on assets (ROA) | 0.3467% | 5,270 |
| Pretax return on assets | 0.3493% | 5,534 |
| Return on Equity (ROE) | 3.8515% | 5,002 |
| Retained earnings to average equity (ytd only) | 3.8515% | 3,749 |
| Net charge-offs to loans | 0.9010% | 1,459 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.5451% | 4,558 |
| Efficiency ratio | 88.1500% | 1,884 |
| Assets per employee ($millions) | 3.7691% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7283% | 7,363 |
| Loan loss allowance to noncurrent loans | 38.9976% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 1.3531% | 3,959 |
| Noncurrent loans to loans | 1.8676% | 3,464 |
| Net loans and leases to total assets | 68.7090% | 3,973 |
| Net loans and leases to deposits | 77.0702% | 5,079 |
| Net loans and leases to core deposits | 103.6727% | 4,173 |
| Total domestic deposits to total assets | 89.1511% | 1,168 |
| Equity capital to assets | 8.8948% | 5,485 |
| Core capital (leverage) ratio | 8.8741% | 4,887 |
| Tier 1 risk-based capital ratio | 12.6108% | 4,463 |
| Total risk-based capital ratio | 13.3365% | 4,784 |
| Memoranda: | ||
| Average total assets | $159,197,500 | 3,850 |
| Average earning assets | $148,162,500 | 3,791 |
| Average equity | $14,332,000 | 4,261 |
| Average total loans | $113,211,500 | 3,717 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9369% | 5,873 |
| Cost of funding earning assets | 2.8404% | 2,527 |
| Net interest margin | 3.0965% | 6,661 |
| Noninterest income to average assets | 0.5847% | 3,974 |
| Noninterest expense to average assets | 2.6141% | 5,597 |
| Loan and lease loss provision to assets | 0.6206% | 2,350 |
| Net operating income to assets | 0.1969% | 5,859 |
| Return on assets (ROA) | 0.1969% | 5,676 |
| Pretax return on assets | 0.2208% | 5,688 |
| Return on Equity (ROE) | 2.1022% | 5,576 |
| Retained earnings to average equity (ytd only) | 2.1022% | 3,926 |
| Net charge-offs to loans | 0.7760% | 1,604 |
| Credit loss provision to net charge-offs | 108.9953% | 4,940 |
| Earnings coverage of net charge-offs (x) | 1.4778% | 5,365 |
| Efficiency ratio | 75.6497% | 3,293 |
| Assets per employee ($millions) | 3.7220% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 6,457 |
| Loan loss allowance to noncurrent loans | 54.4162% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 1.3415% | 3,532 |
| Noncurrent loans to loans | 1.7243% | 3,178 |
| Net loans and leases to total assets | 72.3988% | 3,501 |
| Net loans and leases to deposits | 81.5577% | 4,782 |
| Net loans and leases to core deposits | 110.1137% | 3,770 |
| Total domestic deposits to total assets | 88.7700% | 1,123 |
| Equity capital to assets | 9.1145% | 5,203 |
| Core capital (leverage) ratio | 9.0880% | 4,610 |
| Tier 1 risk-based capital ratio | 12.4648% | 4,461 |
| Total risk-based capital ratio | 13.4153% | 4,583 |
| Memoranda: | ||
| Average total assets | $150,335,800 | 3,893 |
| Average earning assets | $139,382,000 | 3,861 |
| Average equity | $14,080,600 | 4,322 |
| Average total loans | $110,315,800 | 3,669 |