Home > Skowhegan Savings Bank > Performance and Condition Ratios
Skowhegan 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 | 4.8488% | 3,371 |
| Cost of funding earning assets | 1.2964% | 3,602 |
| Net interest margin | 3.5524% | 2,181 |
| Noninterest income to average assets | 0.4600% | 1,914 |
| Noninterest expense to average assets | 2.7128% | 1,719 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 0.8000% | 2,845 |
| Return on assets (ROA) | 0.7600% | 2,951 |
| Pretax return on assets | 0.9391% | 2,878 |
| Return on Equity (ROE) | 6.1100% | 3,324 |
| Retained earnings to average equity (ytd only) | 6.1111% | 2,243 |
| Net charge-offs to loans | 0.0110% | 1,840 |
| Credit loss provision to net charge-offs | 723.5294% | 421 |
| Earnings coverage of net charge-offs (x) | 131.7059% | 586 |
| Efficiency ratio | 71.8365% | 1,635 |
| Assets per employee ($millions) | 6.0201% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 3,298 |
| Loan loss allowance to noncurrent loans | 341.6806% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 2,445 |
| Noncurrent loans to loans | 0.2890% | 2,466 |
| Net loans and leases to total assets | 73.0500% | 1,454 |
| Net loans and leases to deposits | 84.8961% | 1,604 |
| Net loans and leases to core deposits | 92.2331% | 1,891 |
| Total domestic deposits to total assets | 86.0500% | 2,283 |
| Equity capital to assets | 12.6773% | 1,011 |
| Core capital (leverage) ratio | 14.2011% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4451% | 551 |
| Memoranda: | ||
| Average total assets | $842,081,500 | 1,191 |
| Average earning assets | $786,169,500 | 1,180 |
| Average equity | $104,728,000 | 1,007 |
| Average total loans | $616,209,500 | 1,137 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7789% | 3,460 |
| Cost of funding earning assets | 1.5863% | 3,196 |
| Net interest margin | 3.1926% | 2,737 |
| Noninterest income to average assets | 0.4900% | 1,987 |
| Noninterest expense to average assets | 2.6108% | 1,991 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.6673% | 3,055 |
| Return on assets (ROA) | 0.8225% | 2,626 |
| Pretax return on assets | 1.0324% | 2,445 |
| Return on Equity (ROE) | 7.1800% | 2,977 |
| Retained earnings to average equity (ytd only) | 7.1793% | 1,373 |
| Net charge-offs to loans | 0.0159% | 2,340 |
| Credit loss provision to net charge-offs | 223.1579% | 1,071 |
| Earnings coverage of net charge-offs (x) | 80.5368% | 927 |
| Efficiency ratio | 74.8810% | 1,466 |
| Assets per employee ($millions) | 6.0536% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 3,295 |
| Loan loss allowance to noncurrent loans | 345.3921% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 2,423 |
| Noncurrent loans to loans | 0.2861% | 2,404 |
| Net loans and leases to total assets | 71.8500% | 1,686 |
| Net loans and leases to deposits | 83.2595% | 1,858 |
| Net loans and leases to core deposits | 90.5080% | 2,081 |
| Total domestic deposits to total assets | 86.3000% | 2,117 |
| Equity capital to assets | 12.1545% | 1,126 |
| Core capital (leverage) ratio | 13.7402% | 850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3787% | 566 |
| Memoranda: | ||
| Average total assets | $873,601,000 | 1,132 |
| Average earning assets | $819,645,000 | 1,116 |
| Average equity | $100,079,800 | 1,020 |
| Average total loans | $597,931,200 | 1,135 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 3,507 |
| Cost of funding earning assets | 1.6343% | 3,096 |
| Net interest margin | 3.0874% | 2,931 |
| Noninterest income to average assets | 0.4900% | 1,945 |
| Noninterest expense to average assets | 2.5724% | 2,023 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.6462% | 3,098 |
| Return on assets (ROA) | 0.8935% | 2,406 |
| Pretax return on assets | 1.1261% | 2,181 |
| Return on Equity (ROE) | 7.9100% | 2,791 |
| Retained earnings to average equity (ytd only) | 7.9143% | 1,419 |
| Net charge-offs to loans | 0.0128% | 2,175 |
| Credit loss provision to net charge-offs | 154.3860% | 1,261 |
| Earnings coverage of net charge-offs (x) | 95.2456% | 817 |
| Efficiency ratio | 75.8055% | 1,417 |
| Assets per employee ($millions) | 6.0891% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 3,324 |
| Loan loss allowance to noncurrent loans | 350.2945% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 2,489 |
| Noncurrent loans to loans | 0.2804% | 2,442 |
| Net loans and leases to total assets | 68.8600% | 1,976 |
| Net loans and leases to deposits | 83.0532% | 1,878 |
| Net loans and leases to core deposits | 89.8401% | 2,156 |
| Total domestic deposits to total assets | 82.9100% | 2,878 |
| Equity capital to assets | 12.1348% | 1,236 |
| Core capital (leverage) ratio | 13.3698% | 978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3138% | 572 |
| Memoranda: | ||
| Average total assets | $881,637,250 | 1,121 |
| Average earning assets | $829,273,000 | 1,106 |
| Average equity | $99,531,000 | 1,019 |
| Average total loans | $594,760,500 | 1,130 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6482% | 3,558 |
| Cost of funding earning assets | 1.6184% | 3,041 |
| Net interest margin | 3.0298% | 2,993 |
| Noninterest income to average assets | 0.4600% | 2,045 |
| Noninterest expense to average assets | 2.4571% | 2,362 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.6697% | 3,012 |
| Return on assets (ROA) | 0.8585% | 2,438 |
| Pretax return on assets | 1.0937% | 2,231 |
| Return on Equity (ROE) | 7.8000% | 2,797 |
| Retained earnings to average equity (ytd only) | 7.7959% | 1,427 |
| Net charge-offs to loans | 0.0135% | 1,928 |
| Credit loss provision to net charge-offs | 102.5000% | 1,467 |
| Earnings coverage of net charge-offs (x) | 95.2750% | 791 |
| Efficiency ratio | 74.0519% | 1,640 |
| Assets per employee ($millions) | 6.2920% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 3,328 |
| Loan loss allowance to noncurrent loans | 367.3495% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 2,451 |
| Noncurrent loans to loans | 0.2701% | 2,405 |
| Net loans and leases to total assets | 67.0300% | 2,236 |
| Net loans and leases to deposits | 83.2228% | 1,910 |
| Net loans and leases to core deposits | 89.1686% | 2,197 |
| Total domestic deposits to total assets | 80.5400% | 3,357 |
| Equity capital to assets | 11.2057% | 1,473 |
| Core capital (leverage) ratio | 13.0867% | 1,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2603% | 577 |
| Memoranda: | ||
| Average total assets | $885,269,000 | 1,120 |
| Average earning assets | $833,780,667 | 1,106 |
| Average equity | $97,487,000 | 1,025 |
| Average total loans | $591,179,667 | 1,136 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 3,614 |
| Cost of funding earning assets | 1.6125% | 2,954 |
| Net interest margin | 2.9278% | 3,136 |
| Noninterest income to average assets | 0.4300% | 2,109 |
| Noninterest expense to average assets | 2.5191% | 2,188 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.5154% | 3,356 |
| Return on assets (ROA) | 0.9434% | 2,123 |
| Pretax return on assets | 1.1953% | 1,900 |
| Return on Equity (ROE) | 8.6400% | 2,496 |
| Retained earnings to average equity (ytd only) | 8.6420% | 1,390 |
| Net charge-offs to loans | 0.0177% | 1,500 |
| Credit loss provision to net charge-offs | 157.6923% | 922 |
| Earnings coverage of net charge-offs (x) | 57.3462% | 916 |
| Efficiency ratio | 78.9407% | 1,281 |
| Assets per employee ($millions) | 6.3704% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 3,289 |
| Loan loss allowance to noncurrent loans | 344.5412% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 2,409 |
| Noncurrent loans to loans | 0.2910% | 2,274 |
| Net loans and leases to total assets | 65.2100% | 2,348 |
| Net loans and leases to deposits | 80.3992% | 2,028 |
| Net loans and leases to core deposits | 85.6326% | 2,334 |
| Total domestic deposits to total assets | 81.1100% | 3,354 |
| Equity capital to assets | 10.8075% | 1,583 |
| Core capital (leverage) ratio | 12.9264% | 1,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9615% | 610 |
| Memoranda: | ||
| Average total assets | $887,464,000 | 1,122 |
| Average earning assets | $835,992,500 | 1,105 |
| Average equity | $96,876,000 | 1,024 |
| Average total loans | $588,590,500 | 1,135 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1918% | 3,485 |
| Cost of funding earning assets | 0.8191% | 3,477 |
| Net interest margin | 3.3727% | 2,514 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.6054% | 1,926 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.7407% | 3,202 |
| Return on assets (ROA) | 0.6881% | 3,333 |
| Pretax return on assets | 0.8635% | 3,187 |
| Return on Equity (ROE) | 6.0400% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.0401% | 2,619 |
| Net charge-offs to loans | 0.0197% | 1,729 |
| Credit loss provision to net charge-offs | 89.1566% | 1,697 |
| Earnings coverage of net charge-offs (x) | 67.3373% | 1,137 |
| Efficiency ratio | 73.4515% | 1,407 |
| Assets per employee ($millions) | 5.5549% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 3,417 |
| Loan loss allowance to noncurrent loans | 507.8276% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 2,638 |
| Noncurrent loans to loans | 0.1950% | 2,579 |
| Net loans and leases to total assets | 70.6900% | 1,741 |
| Net loans and leases to deposits | 80.9819% | 1,972 |
| Net loans and leases to core deposits | 90.8203% | 1,868 |
| Total domestic deposits to total assets | 87.2900% | 1,807 |
| Equity capital to assets | 10.9920% | 1,347 |
| Core capital (leverage) ratio | 13.5996% | 906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4969% | 590 |
| Memoranda: | ||
| Average total assets | $791,303,500 | 1,194 |
| Average earning assets | $738,505,750 | 1,181 |
| Average equity | $90,150,500 | 1,027 |
| Average total loans | $562,518,000 | 1,130 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 3,596 |
| Cost of funding earning assets | 0.6686% | 3,574 |
| Net interest margin | 3.3773% | 2,578 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.5746% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7682% | 3,168 |
| Return on assets (ROA) | 0.8200% | 3,030 |
| Pretax return on assets | 1.0321% | 2,824 |
| Return on Equity (ROE) | 7.1100% | 3,459 |
| Retained earnings to average equity (ytd only) | 7.1111% | 2,246 |
| Net charge-offs to loans | 0.0108% | 1,800 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 126.1000% | 822 |
| Efficiency ratio | 72.7076% | 1,487 |
| Assets per employee ($millions) | 5.2500% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 3,345 |
| Loan loss allowance to noncurrent loans | 646.6292% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 2,750 |
| Noncurrent loans to loans | 0.1576% | 2,686 |
| Net loans and leases to total assets | 70.5000% | 1,689 |
| Net loans and leases to deposits | 86.2578% | 1,478 |
| Net loans and leases to core deposits | 90.9206% | 1,741 |
| Total domestic deposits to total assets | 81.7400% | 3,282 |
| Equity capital to assets | 11.5598% | 1,188 |
| Core capital (leverage) ratio | 13.6406% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8182% | 649 |
| Memoranda: | ||
| Average total assets | $782,879,667 | 1,193 |
| Average earning assets | $729,923,000 | 1,190 |
| Average equity | $90,281,333 | 1,017 |
| Average total loans | $555,687,667 | 1,126 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9639% | 3,521 |
| Cost of funding earning assets | 0.4676% | 3,784 |
| Net interest margin | 3.4962% | 2,378 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.6207% | 1,896 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8281% | 3,102 |
| Return on assets (ROA) | 0.8293% | 3,050 |
| Pretax return on assets | 1.0427% | 2,876 |
| Return on Equity (ROE) | 7.2000% | 3,476 |
| Retained earnings to average equity (ytd only) | 7.1989% | 2,444 |
| Net charge-offs to loans | 0.0116% | 1,513 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 126.5625% | 680 |
| Efficiency ratio | 71.5670% | 1,572 |
| Assets per employee ($millions) | 5.1418% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 3,369 |
| Loan loss allowance to noncurrent loans | 810.1124% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 2,900 |
| Noncurrent loans to loans | 0.1276% | 2,874 |
| Net loans and leases to total assets | 70.6700% | 1,559 |
| Net loans and leases to deposits | 81.7033% | 1,680 |
| Net loans and leases to core deposits | 85.7608% | 1,880 |
| Total domestic deposits to total assets | 86.5000% | 2,445 |
| Equity capital to assets | 11.7088% | 1,086 |
| Core capital (leverage) ratio | 13.5595% | 819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7343% | 588 |
| Memoranda: | ||
| Average total assets | $777,966,500 | 1,217 |
| Average earning assets | $725,354,000 | 1,206 |
| Average equity | $89,625,000 | 1,034 |
| Average total loans | $551,193,500 | 1,146 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5458% | 2,955 |
| Cost of funding earning assets | 0.1898% | 3,837 |
| Net interest margin | 3.3559% | 2,401 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.5091% | 2,087 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7861% | 3,372 |
| Return on assets (ROA) | 0.6909% | 3,594 |
| Pretax return on assets | 0.8620% | 3,455 |
| Return on Equity (ROE) | 5.7900% | 3,868 |
| Retained earnings to average equity (ytd only) | 5.7900% | 2,720 |
| Net charge-offs to loans | 0.0087% | 2,066 |
| Credit loss provision to net charge-offs | 66.6667% | 1,741 |
| Earnings coverage of net charge-offs (x) | 168.8889% | 731 |
| Efficiency ratio | 71.8132% | 1,466 |
| Assets per employee ($millions) | 5.3054% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 3,002 |
| Loan loss allowance to noncurrent loans | 735.3827% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 2,819 |
| Noncurrent loans to loans | 0.1464% | 2,778 |
| Net loans and leases to total assets | 69.5100% | 1,685 |
| Net loans and leases to deposits | 79.8949% | 1,775 |
| Net loans and leases to core deposits | 82.3645% | 1,982 |
| Total domestic deposits to total assets | 87.0000% | 2,391 |
| Equity capital to assets | 11.2960% | 1,145 |
| Core capital (leverage) ratio | 13.3689% | 850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8325% | 639 |
| Memoranda: | ||
| Average total assets | $771,725,200 | 1,216 |
| Average earning assets | $722,836,000 | 1,197 |
| Average equity | $92,090,200 | 1,006 |
| Average total loans | $518,125,800 | 1,149 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4483% | 2,782 |
| Cost of funding earning assets | 0.1539% | 3,812 |
| Net interest margin | 3.2944% | 2,314 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.5153% | 1,971 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7518% | 3,414 |
| Return on assets (ROA) | 0.4380% | 4,129 |
| Pretax return on assets | 0.5369% | 4,093 |
| Return on Equity (ROE) | 3.6200% | 4,216 |
| Retained earnings to average equity (ytd only) | 3.6222% | 3,579 |
| Net charge-offs to loans | 0.0060% | 1,944 |
| Credit loss provision to net charge-offs | 130.4348% | 1,177 |
| Earnings coverage of net charge-offs (x) | 232.5217% | 570 |
| Efficiency ratio | 73.1162% | 1,377 |
| Assets per employee ($millions) | 5.4112% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 2,961 |
| Loan loss allowance to noncurrent loans | 983.9465% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 3,130 |
| Noncurrent loans to loans | 0.1130% | 3,082 |
| Net loans and leases to total assets | 67.1500% | 1,768 |
| Net loans and leases to deposits | 76.5541% | 1,828 |
| Net loans and leases to core deposits | 78.4391% | 2,006 |
| Total domestic deposits to total assets | 87.7200% | 2,512 |
| Equity capital to assets | 10.6675% | 1,306 |
| Core capital (leverage) ratio | 13.2787% | 833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8519% | 657 |
| Memoranda: | ||
| Average total assets | $771,010,250 | 1,221 |
| Average earning assets | $723,343,750 | 1,203 |
| Average equity | $93,238,500 | 1,012 |
| Average total loans | $511,586,750 | 1,157 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3623% | 2,539 |
| Cost of funding earning assets | 0.1479% | 3,604 |
| Net interest margin | 3.2144% | 2,141 |
| Noninterest income to average assets | 0.3504% | 3,056 |
| Noninterest expense to average assets | 2.4668% | 2,035 |
| Loan and lease loss provision to assets | 0.0078% | 2,456 |
| Net operating income to assets | 0.7293% | 3,213 |
| Return on assets (ROA) | 0.4777% | 3,904 |
| Pretax return on assets | 0.5868% | 3,839 |
| Return on Equity (ROE) | 3.7988% | 4,069 |
| Retained earnings to average equity (ytd only) | 3.7988% | 3,162 |
| Net charge-offs to loans | -0.0016% | 3,089 |
| Credit loss provision to net charge-offs | -750.0000% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1568% | 1,600 |
| Assets per employee ($millions) | 5.3884% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 2,939 |
| Loan loss allowance to noncurrent loans | 753.9541% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 2,982 |
| Noncurrent loans to loans | 0.1522% | 2,933 |
| Net loans and leases to total assets | 67.5093% | 1,523 |
| Net loans and leases to deposits | 78.3251% | 1,516 |
| Net loans and leases to core deposits | 80.3299% | 1,692 |
| Total domestic deposits to total assets | 86.1911% | 3,201 |
| Equity capital to assets | 11.9277% | 901 |
| Core capital (leverage) ratio | 13.4366% | 719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3540% | 597 |
| Memoranda: | ||
| Average total assets | $768,275,667 | 1,225 |
| Average earning assets | $722,191,667 | 1,218 |
| Average equity | $96,610,333 | 981 |
| Average total loans | $505,738,667 | 1,160 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2564% | 2,513 |
| Cost of funding earning assets | 0.1522% | 3,480 |
| Net interest margin | 3.1042% | 2,167 |
| Noninterest income to average assets | 0.3808% | 2,809 |
| Noninterest expense to average assets | 2.4055% | 2,139 |
| Loan and lease loss provision to assets | 0.0155% | 2,070 |
| Net operating income to assets | 0.7114% | 3,015 |
| Return on assets (ROA) | 0.7461% | 2,862 |
| Pretax return on assets | 0.9288% | 2,666 |
| Return on Equity (ROE) | 5.7883% | 3,406 |
| Retained earnings to average equity (ytd only) | 5.7883% | 2,323 |
| Net charge-offs to loans | 0.0016% | 1,778 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 873.0000% | 105 |
| Efficiency ratio | 72.7528% | 1,880 |
| Assets per employee ($millions) | 5.2742% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 2,961 |
| Loan loss allowance to noncurrent loans | 210.5563% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 1,655 |
| Noncurrent loans to loans | 0.5604% | 1,638 |
| Net loans and leases to total assets | 64.2162% | 1,596 |
| Net loans and leases to deposits | 74.8794% | 1,529 |
| Net loans and leases to core deposits | 77.0323% | 1,701 |
| Total domestic deposits to total assets | 85.7594% | 3,328 |
| Equity capital to assets | 12.4848% | 810 |
| Core capital (leverage) ratio | 13.3067% | 707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7968% | 581 |
| Memoranda: | ||
| Average total assets | $775,225,500 | 1,223 |
| Average earning assets | $730,627,500 | 1,214 |
| Average equity | $99,925,500 | 989 |
| Average total loans | $501,015,500 | 1,161 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2097% | 3,451 |
| Cost of funding earning assets | 0.1736% | 3,734 |
| Net interest margin | 3.0362% | 3,087 |
| Noninterest income to average assets | 0.4467% | 2,828 |
| Noninterest expense to average assets | 2.5361% | 2,071 |
| Loan and lease loss provision to assets | 0.0239% | 2,589 |
| Net operating income to assets | 0.6039% | 3,868 |
| Return on assets (ROA) | 0.8096% | 3,379 |
| Pretax return on assets | 1.0141% | 3,220 |
| Return on Equity (ROE) | 6.0107% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.0107% | 2,357 |
| Net charge-offs to loans | -0.0071% | 3,642 |
| Credit loss provision to net charge-offs | -514.2857% | 3,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4593% | 1,066 |
| Assets per employee ($millions) | 5.6149% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 3,017 |
| Loan loss allowance to noncurrent loans | 205.9958% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 1,765 |
| Noncurrent loans to loans | 0.5685% | 1,719 |
| Net loans and leases to total assets | 63.5213% | 1,761 |
| Net loans and leases to deposits | 75.3212% | 1,616 |
| Net loans and leases to core deposits | 77.4945% | 1,803 |
| Total domestic deposits to total assets | 84.3339% | 3,462 |
| Equity capital to assets | 13.2680% | 830 |
| Core capital (leverage) ratio | 13.1403% | 765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7293% | 577 |
| Memoranda: | ||
| Average total assets | $754,594,600 | 1,213 |
| Average earning assets | $713,334,000 | 1,200 |
| Average equity | $101,635,000 | 1,002 |
| Average total loans | $491,538,400 | 1,184 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1864% | 3,627 |
| Cost of funding earning assets | 0.1779% | 3,842 |
| Net interest margin | 3.0085% | 3,279 |
| Noninterest income to average assets | 0.4432% | 2,871 |
| Noninterest expense to average assets | 2.4019% | 2,433 |
| Loan and lease loss provision to assets | 0.0321% | 2,353 |
| Net operating income to assets | 0.6878% | 3,796 |
| Return on assets (ROA) | 0.8371% | 3,485 |
| Pretax return on assets | 1.0388% | 3,354 |
| Return on Equity (ROE) | 6.1910% | 3,868 |
| Retained earnings to average equity (ytd only) | 6.1910% | 2,747 |
| Net charge-offs to loans | -0.0139% | 3,811 |
| Credit loss provision to net charge-offs | -352.9412% | 3,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0382% | 1,300 |
| Assets per employee ($millions) | 5.8026% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 3,117 |
| Loan loss allowance to noncurrent loans | 192.5817% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 1,863 |
| Noncurrent loans to loans | 0.6081% | 1,787 |
| Net loans and leases to total assets | 64.4411% | 1,714 |
| Net loans and leases to deposits | 75.8440% | 1,685 |
| Net loans and leases to core deposits | 77.6979% | 1,912 |
| Total domestic deposits to total assets | 84.9654% | 3,126 |
| Equity capital to assets | 13.2701% | 913 |
| Core capital (leverage) ratio | 13.1039% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5965% | 564 |
| Memoranda: | ||
| Average total assets | $748,124,750 | 1,238 |
| Average earning assets | $707,528,250 | 1,222 |
| Average equity | $101,155,500 | 1,021 |
| Average total loans | $489,012,500 | 1,207 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1714% | 3,725 |
| Cost of funding earning assets | 0.1877% | 3,870 |
| Net interest margin | 2.9837% | 3,366 |
| Noninterest income to average assets | 0.3896% | 3,159 |
| Noninterest expense to average assets | 2.3497% | 2,617 |
| Loan and lease loss provision to assets | 0.0486% | 2,054 |
| Net operating income to assets | 0.6590% | 3,858 |
| Return on assets (ROA) | 0.9540% | 3,135 |
| Pretax return on assets | 1.1861% | 2,950 |
| Return on Equity (ROE) | 7.0103% | 3,654 |
| Retained earnings to average equity (ytd only) | 7.0103% | 2,429 |
| Net charge-offs to loans | 0.0058% | 1,939 |
| Credit loss provision to net charge-offs | 1,285.7143% | 397 |
| Earnings coverage of net charge-offs (x) | 228.9286% | 460 |
| Efficiency ratio | 73.0718% | 1,332 |
| Assets per employee ($millions) | 5.8013% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 2,995 |
| Loan loss allowance to noncurrent loans | 191.8367% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 1,976 |
| Noncurrent loans to loans | 0.6200% | 1,857 |
| Net loans and leases to total assets | 64.1955% | 1,927 |
| Net loans and leases to deposits | 75.8284% | 1,840 |
| Net loans and leases to core deposits | 77.6468% | 2,079 |
| Total domestic deposits to total assets | 84.6588% | 3,237 |
| Equity capital to assets | 13.5477% | 813 |
| Core capital (leverage) ratio | 13.2746% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2621% | 527 |
| Memoranda: | ||
| Average total assets | $740,251,333 | 1,241 |
| Average earning assets | $701,136,000 | 1,220 |
| Average equity | $100,737,000 | 1,019 |
| Average total loans | $484,278,667 | 1,213 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1958% | 3,702 |
| Cost of funding earning assets | 0.1993% | 3,916 |
| Net interest margin | 2.9965% | 3,265 |
| Noninterest income to average assets | 0.3938% | 3,119 |
| Noninterest expense to average assets | 2.3079% | 2,761 |
| Loan and lease loss provision to assets | 0.0491% | 2,104 |
| Net operating income to assets | 0.6957% | 3,718 |
| Return on assets (ROA) | 1.0981% | 2,557 |
| Pretax return on assets | 1.3773% | 2,343 |
| Return on Equity (ROE) | 8.0504% | 3,306 |
| Retained earnings to average equity (ytd only) | 8.0504% | 2,215 |
| Net charge-offs to loans | 0.0174% | 1,400 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 80.6190% | 702 |
| Efficiency ratio | 71.4213% | 1,551 |
| Assets per employee ($millions) | 5.6815% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 3,041 |
| Loan loss allowance to noncurrent loans | 266.6822% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 2,623 |
| Noncurrent loans to loans | 0.4421% | 2,531 |
| Net loans and leases to total assets | 64.5357% | 1,977 |
| Net loans and leases to deposits | 76.3441% | 1,871 |
| Net loans and leases to core deposits | 78.3550% | 2,152 |
| Total domestic deposits to total assets | 84.5326% | 3,269 |
| Equity capital to assets | 13.3915% | 814 |
| Core capital (leverage) ratio | 13.4805% | 744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4015% | 488 |
| Memoranda: | ||
| Average total assets | $733,293,500 | 1,239 |
| Average earning assets | $694,403,000 | 1,223 |
| Average equity | $100,019,500 | 1,016 |
| Average total loans | $481,433,500 | 1,216 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6731% | 3,649 |
| Cost of funding earning assets | 0.3508% | 3,865 |
| Net interest margin | 3.3223% | 3,013 |
| Noninterest income to average assets | 0.4918% | 2,667 |
| Noninterest expense to average assets | 2.7554% | 2,053 |
| Loan and lease loss provision to assets | 0.1482% | 2,520 |
| Net operating income to assets | 0.6012% | 3,753 |
| Return on assets (ROA) | 0.6017% | 3,864 |
| Pretax return on assets | 0.7213% | 3,838 |
| Return on Equity (ROE) | 4.0971% | 4,137 |
| Retained earnings to average equity (ytd only) | 4.0971% | 2,763 |
| Net charge-offs to loans | 0.0229% | 2,591 |
| Credit loss provision to net charge-offs | 894.4954% | 836 |
| Earnings coverage of net charge-offs (x) | 52.4404% | 1,157 |
| Efficiency ratio | 76.0255% | 1,225 |
| Assets per employee ($millions) | 5.5134% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 3,017 |
| Loan loss allowance to noncurrent loans | 218.9095% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3730% | 2,491 |
| Noncurrent loans to loans | 0.5424% | 2,351 |
| Net loans and leases to total assets | 65.2322% | 2,199 |
| Net loans and leases to deposits | 79.0438% | 1,975 |
| Net loans and leases to core deposits | 81.4884% | 2,230 |
| Total domestic deposits to total assets | 82.5267% | 3,529 |
| Equity capital to assets | 13.8569% | 830 |
| Core capital (leverage) ratio | 13.7194% | 736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3488% | 484 |
| Memoranda: | ||
| Average total assets | $657,843,800 | 1,241 |
| Average earning assets | $620,265,400 | 1,229 |
| Average equity | $96,606,000 | 988 |
| Average total loans | $476,335,200 | 1,185 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7793% | 3,625 |
| Cost of funding earning assets | 0.3914% | 3,850 |
| Net interest margin | 3.3878% | 2,956 |
| Noninterest income to average assets | 0.3335% | 3,481 |
| Noninterest expense to average assets | 2.7720% | 2,052 |
| Loan and lease loss provision to assets | 0.1831% | 2,154 |
| Net operating income to assets | 0.4862% | 4,072 |
| Return on assets (ROA) | 0.2923% | 4,506 |
| Pretax return on assets | 0.3420% | 4,503 |
| Return on Equity (ROE) | 1.9595% | 4,555 |
| Retained earnings to average equity (ytd only) | 1.9595% | 3,951 |
| Net charge-offs to loans | 0.0129% | 2,644 |
| Credit loss provision to net charge-offs | 1,915.2174% | 492 |
| Earnings coverage of net charge-offs (x) | 78.8043% | 932 |
| Efficiency ratio | 78.6350% | 973 |
| Assets per employee ($millions) | 5.2327% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 2,859 |
| Loan loss allowance to noncurrent loans | 213.8245% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 2,597 |
| Noncurrent loans to loans | 0.5457% | 2,432 |
| Net loans and leases to total assets | 68.5173% | 2,169 |
| Net loans and leases to deposits | 83.2671% | 1,988 |
| Net loans and leases to core deposits | 86.0351% | 2,297 |
| Total domestic deposits to total assets | 82.2862% | 3,346 |
| Equity capital to assets | 13.9674% | 865 |
| Core capital (leverage) ratio | 13.8148% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4854% | 546 |
| Memoranda: | ||
| Average total assets | $641,739,500 | 1,251 |
| Average earning assets | $604,581,000 | 1,237 |
| Average equity | $95,736,750 | 985 |
| Average total loans | $476,217,000 | 1,182 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9192% | 3,565 |
| Cost of funding earning assets | 0.4501% | 3,792 |
| Net interest margin | 3.4692% | 2,887 |
| Noninterest income to average assets | 0.3396% | 3,441 |
| Noninterest expense to average assets | 2.6931% | 2,404 |
| Loan and lease loss provision to assets | 0.2046% | 2,006 |
| Net operating income to assets | 0.6443% | 3,600 |
| Return on assets (ROA) | 0.1716% | 4,649 |
| Pretax return on assets | 0.1876% | 4,645 |
| Return on Equity (ROE) | 1.1234% | 4,670 |
| Retained earnings to average equity (ytd only) | 1.1234% | 4,068 |
| Net charge-offs to loans | 0.0160% | 2,420 |
| Credit loss provision to net charge-offs | 1,678.9474% | 559 |
| Earnings coverage of net charge-offs (x) | 74.8158% | 844 |
| Efficiency ratio | 74.7087% | 1,397 |
| Assets per employee ($millions) | 4.9929% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 2,933 |
| Loan loss allowance to noncurrent loans | 178.5501% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.4765% | 2,413 |
| Noncurrent loans to loans | 0.6272% | 2,293 |
| Net loans and leases to total assets | 71.1920% | 1,844 |
| Net loans and leases to deposits | 86.9580% | 1,662 |
| Net loans and leases to core deposits | 90.4265% | 2,038 |
| Total domestic deposits to total assets | 81.8694% | 3,404 |
| Equity capital to assets | 14.4373% | 750 |
| Core capital (leverage) ratio | 14.3158% | 687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9162% | 511 |
| Memoranda: | ||
| Average total assets | $623,670,000 | 1,262 |
| Average earning assets | $587,000,333 | 1,242 |
| Average equity | $95,247,000 | 982 |
| Average total loans | $474,131,000 | 1,166 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 3,363 |
| Cost of funding earning assets | 0.5381% | 3,757 |
| Net interest margin | 3.6172% | 2,612 |
| Noninterest income to average assets | 0.3641% | 3,332 |
| Noninterest expense to average assets | 2.8354% | 2,323 |
| Loan and lease loss provision to assets | 0.2622% | 1,190 |
| Net operating income to assets | 0.5563% | 3,719 |
| Return on assets (ROA) | -1.1920% | 4,990 |
| Pretax return on assets | -1.5508% | 4,999 |
| Return on Equity (ROE) | -7.5750% | 4,969 |
| Retained earnings to average equity (ytd only) | -7.5750% | 4,670 |
| Net charge-offs to loans | 0.0238% | 1,889 |
| Credit loss provision to net charge-offs | 1,407.1429% | 462 |
| Earnings coverage of net charge-offs (x) | 49.6071% | 903 |
| Efficiency ratio | 75.4116% | 1,629 |
| Assets per employee ($millions) | 4.4784% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 3,178 |
| Loan loss allowance to noncurrent loans | 137.6367% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6591% | 2,029 |
| Noncurrent loans to loans | 0.8030% | 2,004 |
| Net loans and leases to total assets | 77.5136% | 1,050 |
| Net loans and leases to deposits | 96.4199% | 869 |
| Net loans and leases to core deposits | 100.4501% | 1,437 |
| Total domestic deposits to total assets | 80.3917% | 3,779 |
| Equity capital to assets | 15.8180% | 612 |
| Core capital (leverage) ratio | 15.0408% | 678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9503% | 497 |
| Memoranda: | ||
| Average total assets | $600,982,000 | 1,259 |
| Average earning assets | $564,195,500 | 1,245 |
| Average equity | $94,574,500 | 983 |
| Average total loans | $470,346,000 | 1,147 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2140% | 3,778 |
| Cost of funding earning assets | 0.6221% | 3,548 |
| Net interest margin | 3.5920% | 3,158 |
| Noninterest income to average assets | 0.3844% | 3,390 |
| Noninterest expense to average assets | 2.8208% | 2,536 |
| Loan and lease loss provision to assets | 0.0653% | 2,718 |
| Net operating income to assets | 0.6864% | 3,907 |
| Return on assets (ROA) | 1.0860% | 2,593 |
| Pretax return on assets | 1.3604% | 2,296 |
| Return on Equity (ROE) | 7.1063% | 3,518 |
| Retained earnings to average equity (ytd only) | 7.1063% | 1,349 |
| Net charge-offs to loans | 0.0549% | 2,315 |
| Credit loss provision to net charge-offs | 151.1628% | 1,687 |
| Earnings coverage of net charge-offs (x) | 21.4535% | 1,887 |
| Efficiency ratio | 75.2814% | 1,449 |
| Assets per employee ($millions) | 4.7003% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 3,427 |
| Loan loss allowance to noncurrent loans | 118.0162% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.7217% | 1,797 |
| Noncurrent loans to loans | 0.8575% | 1,796 |
| Net loans and leases to total assets | 77.3572% | 1,188 |
| Net loans and leases to deposits | 99.3942% | 642 |
| Net loans and leases to core deposits | 103.3460% | 1,284 |
| Total domestic deposits to total assets | 77.8287% | 4,387 |
| Equity capital to assets | 15.6122% | 671 |
| Core capital (leverage) ratio | 15.2550% | 636 |
| Tier 1 risk-based capital ratio | 21.0182% | 1,163 |
| Total risk-based capital ratio | 22.2096% | 1,147 |
| Memoranda: | ||
| Average total assets | $597,597,400 | 1,228 |
| Average earning assets | $559,438,800 | 1,216 |
| Average equity | $91,328,000 | 966 |
| Average total loans | $469,697,000 | 1,132 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2163% | 3,888 |
| Cost of funding earning assets | 0.6227% | 3,568 |
| Net interest margin | 3.5935% | 3,267 |
| Noninterest income to average assets | 0.3968% | 3,338 |
| Noninterest expense to average assets | 2.7861% | 2,600 |
| Loan and lease loss provision to assets | 0.0705% | 2,466 |
| Net operating income to assets | 0.7282% | 3,918 |
| Return on assets (ROA) | 1.0869% | 2,717 |
| Pretax return on assets | 1.3440% | 2,517 |
| Return on Equity (ROE) | 7.1516% | 3,624 |
| Retained earnings to average equity (ytd only) | 7.1516% | 1,786 |
| Net charge-offs to loans | 0.0552% | 2,045 |
| Credit loss provision to net charge-offs | 162.3711% | 1,538 |
| Earnings coverage of net charge-offs (x) | 22.3660% | 1,873 |
| Efficiency ratio | 74.1434% | 1,544 |
| Assets per employee ($millions) | 4.7157% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 3,526 |
| Loan loss allowance to noncurrent loans | 123.6876% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.7222% | 1,897 |
| Noncurrent loans to loans | 0.8150% | 1,936 |
| Net loans and leases to total assets | 77.8107% | 1,174 |
| Net loans and leases to deposits | 95.4688% | 1,080 |
| Net loans and leases to core deposits | 102.1655% | 1,486 |
| Total domestic deposits to total assets | 81.5038% | 3,613 |
| Equity capital to assets | 15.4420% | 740 |
| Core capital (leverage) ratio | 15.1612% | 704 |
| Tier 1 risk-based capital ratio | 20.5178% | 1,281 |
| Total risk-based capital ratio | 21.6992% | 1,263 |
| Memoranda: | ||
| Average total assets | $595,413,500 | 1,235 |
| Average earning assets | $556,873,750 | 1,221 |
| Average equity | $90,494,500 | 969 |
| Average total loans | $468,662,000 | 1,137 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2022% | 3,923 |
| Cost of funding earning assets | 0.6161% | 3,567 |
| Net interest margin | 3.5860% | 3,311 |
| Noninterest income to average assets | 0.4107% | 3,208 |
| Noninterest expense to average assets | 2.8538% | 2,401 |
| Loan and lease loss provision to assets | 0.0658% | 2,504 |
| Net operating income to assets | 0.6812% | 4,068 |
| Return on assets (ROA) | 1.1281% | 2,485 |
| Pretax return on assets | 1.3954% | 2,222 |
| Return on Equity (ROE) | 7.4629% | 3,515 |
| Retained earnings to average equity (ytd only) | 7.4629% | 1,623 |
| Net charge-offs to loans | 0.0801% | 1,561 |
| Credit loss provision to net charge-offs | 104.2781% | 1,909 |
| Earnings coverage of net charge-offs (x) | 14.4118% | 2,037 |
| Efficiency ratio | 75.8339% | 1,415 |
| Assets per employee ($millions) | 4.4843% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,617 |
| Loan loss allowance to noncurrent loans | 133.2002% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.7565% | 1,840 |
| Noncurrent loans to loans | 0.7509% | 2,108 |
| Net loans and leases to total assets | 78.0863% | 1,204 |
| Net loans and leases to deposits | 94.4815% | 1,207 |
| Net loans and leases to core deposits | 102.0164% | 1,551 |
| Total domestic deposits to total assets | 82.6472% | 3,319 |
| Equity capital to assets | 15.4718% | 716 |
| Core capital (leverage) ratio | 15.0360% | 697 |
| Tier 1 risk-based capital ratio | 20.4578% | 1,263 |
| Total risk-based capital ratio | 21.6298% | 1,246 |
| Memoranda: | ||
| Average total assets | $592,682,670 | 1,240 |
| Average earning assets | $554,097,000 | 1,226 |
| Average equity | $89,589,670 | 975 |
| Average total loans | $466,731,670 | 1,140 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1772% | 3,934 |
| Cost of funding earning assets | 0.5984% | 3,585 |
| Net interest margin | 3.5788% | 3,333 |
| Noninterest income to average assets | 0.4492% | 2,857 |
| Noninterest expense to average assets | 2.7242% | 2,835 |
| Loan and lease loss provision to assets | 0.0506% | 2,642 |
| Net operating income to assets | 0.8241% | 3,535 |
| Return on assets (ROA) | 1.5034% | 1,137 |
| Pretax return on assets | 1.8716% | 847 |
| Return on Equity (ROE) | 10.0639% | 2,345 |
| Retained earnings to average equity (ytd only) | 10.0639% | 1,021 |
| Net charge-offs to loans | 0.0806% | 1,282 |
| Credit loss provision to net charge-offs | 79.7872% | 1,782 |
| Earnings coverage of net charge-offs (x) | 16.9255% | 1,679 |
| Efficiency ratio | 71.7407% | 2,072 |
| Assets per employee ($millions) | 4.5262% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 3,739 |
| Loan loss allowance to noncurrent loans | 109.9716% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.8645% | 1,641 |
| Noncurrent loans to loans | 0.9051% | 1,847 |
| Net loans and leases to total assets | 77.8895% | 1,174 |
| Net loans and leases to deposits | 95.9304% | 971 |
| Net loans and leases to core deposits | 102.8586% | 1,390 |
| Total domestic deposits to total assets | 81.1938% | 3,932 |
| Equity capital to assets | 15.1678% | 721 |
| Core capital (leverage) ratio | 14.8216% | 738 |
| Tier 1 risk-based capital ratio | 20.0575% | 1,330 |
| Total risk-based capital ratio | 21.2150% | 1,320 |
| Memoranda: | ||
| Average total assets | $593,062,500 | 1,243 |
| Average earning assets | $554,818,500 | 1,231 |
| Average equity | $88,594,000 | 979 |
| Average total loans | $466,657,000 | 1,146 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0232% | 3,959 |
| Cost of funding earning assets | 0.4842% | 3,451 |
| Net interest margin | 3.5389% | 3,578 |
| Noninterest income to average assets | 0.3547% | 3,729 |
| Noninterest expense to average assets | 2.7811% | 2,750 |
| Loan and lease loss provision to assets | 0.0252% | 3,669 |
| Net operating income to assets | 0.7054% | 4,126 |
| Return on assets (ROA) | 0.7422% | 4,001 |
| Pretax return on assets | 0.9042% | 3,886 |
| Return on Equity (ROE) | 5.1685% | 4,419 |
| Retained earnings to average equity (ytd only) | 5.1685% | 2,680 |
| Net charge-offs to loans | 0.0281% | 2,844 |
| Credit loss provision to net charge-offs | 114.5038% | 2,268 |
| Earnings coverage of net charge-offs (x) | 40.1679% | 1,303 |
| Efficiency ratio | 74.4245% | 1,570 |
| Assets per employee ($millions) | 4.4915% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 3,706 |
| Loan loss allowance to noncurrent loans | 79.8869% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.0974% | 1,226 |
| Noncurrent loans to loans | 1.2503% | 1,272 |
| Net loans and leases to total assets | 77.9554% | 1,276 |
| Net loans and leases to deposits | 94.8250% | 1,191 |
| Net loans and leases to core deposits | 103.5097% | 1,456 |
| Total domestic deposits to total assets | 82.2097% | 3,589 |
| Equity capital to assets | 14.6924% | 787 |
| Core capital (leverage) ratio | 13.8738% | 959 |
| Tier 1 risk-based capital ratio | 18.2363% | 1,683 |
| Total risk-based capital ratio | 19.7332% | 1,576 |
| Memoranda: | ||
| Average total assets | $594,872,000 | 1,211 |
| Average earning assets | $556,550,800 | 1,206 |
| Average equity | $85,422,000 | 981 |
| Average total loans | $465,635,200 | 1,115 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9812% | 3,982 |
| Cost of funding earning assets | 0.4573% | 3,477 |
| Net interest margin | 3.5239% | 3,621 |
| Noninterest income to average assets | 0.3525% | 3,775 |
| Noninterest expense to average assets | 2.7745% | 2,730 |
| Loan and lease loss provision to assets | 0.0448% | 3,095 |
| Net operating income to assets | 0.6856% | 4,271 |
| Return on assets (ROA) | 0.7352% | 4,136 |
| Pretax return on assets | 0.8911% | 4,051 |
| Return on Equity (ROE) | 5.1496% | 4,511 |
| Retained earnings to average equity (ytd only) | 5.1496% | 3,157 |
| Net charge-offs to loans | 0.0301% | 2,491 |
| Credit loss provision to net charge-offs | 190.4762% | 1,439 |
| Earnings coverage of net charge-offs (x) | 37.2562% | 1,411 |
| Efficiency ratio | 74.0691% | 1,584 |
| Assets per employee ($millions) | 4.7418% | 2,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 3,626 |
| Loan loss allowance to noncurrent loans | 78.7269% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.0846% | 1,329 |
| Noncurrent loans to loans | 1.2998% | 1,285 |
| Net loans and leases to total assets | 76.6868% | 1,557 |
| Net loans and leases to deposits | 91.5208% | 1,688 |
| Net loans and leases to core deposits | 101.3032% | 1,669 |
| Total domestic deposits to total assets | 83.7917% | 3,019 |
| Equity capital to assets | 14.4836% | 830 |
| Core capital (leverage) ratio | 13.7637% | 1,006 |
| Tier 1 risk-based capital ratio | 18.0826% | 1,767 |
| Total risk-based capital ratio | 19.7275% | 1,636 |
| Memoranda: | ||
| Average total assets | $595,370,250 | 1,210 |
| Average earning assets | $557,204,500 | 1,211 |
| Average equity | $85,000,500 | 982 |
| Average total loans | $465,333,000 | 1,117 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9573% | 3,909 |
| Cost of funding earning assets | 0.4353% | 3,459 |
| Net interest margin | 3.5221% | 3,563 |
| Noninterest income to average assets | 0.3558% | 3,783 |
| Noninterest expense to average assets | 2.8321% | 2,570 |
| Loan and lease loss provision to assets | 0.0673% | 2,545 |
| Net operating income to assets | 0.6233% | 4,430 |
| Return on assets (ROA) | 0.6683% | 4,295 |
| Pretax return on assets | 0.8062% | 4,228 |
| Return on Equity (ROE) | 4.7036% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.7036% | 3,234 |
| Net charge-offs to loans | 0.0240% | 2,384 |
| Credit loss provision to net charge-offs | 357.1429% | 888 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 1,232 |
| Efficiency ratio | 74.9102% | 1,580 |
| Assets per employee ($millions) | 4.6073% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 3,705 |
| Loan loss allowance to noncurrent loans | 77.3219% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.1073% | 1,336 |
| Noncurrent loans to loans | 1.3217% | 1,291 |
| Net loans and leases to total assets | 78.0101% | 1,314 |
| Net loans and leases to deposits | 95.5600% | 1,189 |
| Net loans and leases to core deposits | 105.6804% | 1,260 |
| Total domestic deposits to total assets | 81.6346% | 3,831 |
| Equity capital to assets | 14.2902% | 864 |
| Core capital (leverage) ratio | 13.5172% | 1,058 |
| Tier 1 risk-based capital ratio | 17.8045% | 1,857 |
| Total risk-based capital ratio | 19.3985% | 1,715 |
| Memoranda: | ||
| Average total assets | $594,672,330 | 1,213 |
| Average earning assets | $556,435,330 | 1,206 |
| Average equity | $84,489,330 | 982 |
| Average total loans | $466,139,670 | 1,121 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 3,886 |
| Cost of funding earning assets | 0.3840% | 3,704 |
| Net interest margin | 3.5304% | 3,424 |
| Noninterest income to average assets | 0.3698% | 3,661 |
| Noninterest expense to average assets | 2.7456% | 2,889 |
| Loan and lease loss provision to assets | 0.0807% | 2,173 |
| Net operating income to assets | 0.7000% | 4,098 |
| Return on assets (ROA) | 0.7000% | 4,103 |
| Pretax return on assets | 0.8453% | 4,034 |
| Return on Equity (ROE) | 4.9414% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.9414% | 3,211 |
| Net charge-offs to loans | 0.0241% | 2,022 |
| Credit loss provision to net charge-offs | 428.5714% | 663 |
| Earnings coverage of net charge-offs (x) | 49.1786% | 954 |
| Efficiency ratio | 72.1429% | 2,170 |
| Assets per employee ($millions) | 4.5939% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 3,852 |
| Loan loss allowance to noncurrent loans | 75.6230% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.0972% | 1,413 |
| Noncurrent loans to loans | 1.3461% | 1,325 |
| Net loans and leases to total assets | 77.6772% | 1,284 |
| Net loans and leases to deposits | 94.1254% | 1,214 |
| Net loans and leases to core deposits | 103.5851% | 1,407 |
| Total domestic deposits to total assets | 82.5252% | 3,804 |
| Equity capital to assets | 14.2236% | 836 |
| Core capital (leverage) ratio | 13.3091% | 1,067 |
| Tier 1 risk-based capital ratio | 17.7050% | 1,917 |
| Total risk-based capital ratio | 19.3182% | 1,764 |
| Memoranda: | ||
| Average total assets | $594,840,500 | 1,221 |
| Average earning assets | $556,307,500 | 1,215 |
| Average equity | $84,268,000 | 992 |
| Average total loans | $464,995,000 | 1,128 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 3,854 |
| Cost of funding earning assets | 0.3180% | 3,975 |
| Net interest margin | 3.5420% | 3,370 |
| Noninterest income to average assets | 0.3417% | 4,023 |
| Noninterest expense to average assets | 2.7834% | 2,835 |
| Loan and lease loss provision to assets | 0.0382% | 3,500 |
| Net operating income to assets | 0.6289% | 3,895 |
| Return on assets (ROA) | 0.6871% | 3,706 |
| Pretax return on assets | 0.8989% | 3,932 |
| Return on Equity (ROE) | 4.9363% | 4,187 |
| Retained earnings to average equity (ytd only) | 4.9363% | 2,163 |
| Net charge-offs to loans | 0.0394% | 3,012 |
| Credit loss provision to net charge-offs | 125.0000% | 2,092 |
| Earnings coverage of net charge-offs (x) | 28.1278% | 1,613 |
| Efficiency ratio | 73.7009% | 1,941 |
| Assets per employee ($millions) | 4.5931% | 3,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 3,965 |
| Loan loss allowance to noncurrent loans | 75.9280% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.0690% | 1,427 |
| Noncurrent loans to loans | 1.3152% | 1,323 |
| Net loans and leases to total assets | 77.0864% | 1,415 |
| Net loans and leases to deposits | 99.8092% | 743 |
| Net loans and leases to core deposits | 103.6461% | 1,435 |
| Total domestic deposits to total assets | 77.2337% | 4,836 |
| Equity capital to assets | 14.1154% | 875 |
| Core capital (leverage) ratio | 13.4145% | 999 |
| Tier 1 risk-based capital ratio | 18.0654% | 1,784 |
| Total risk-based capital ratio | 19.7551% | 1,604 |
| Memoranda: | ||
| Average total assets | $588,304,600 | 1,217 |
| Average earning assets | $548,510,600 | 1,210 |
| Average equity | $81,883,000 | 990 |
| Average total loans | $456,419,000 | 1,110 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8461% | 3,847 |
| Cost of funding earning assets | 0.3100% | 4,028 |
| Net interest margin | 3.5360% | 3,367 |
| Noninterest income to average assets | 0.3635% | 3,926 |
| Noninterest expense to average assets | 2.7610% | 2,857 |
| Loan and lease loss provision to assets | 0.0353% | 3,411 |
| Net operating income to assets | 0.6395% | 4,231 |
| Return on assets (ROA) | 0.7152% | 3,961 |
| Pretax return on assets | 0.9648% | 3,821 |
| Return on Equity (ROE) | 5.1572% | 4,465 |
| Retained earnings to average equity (ytd only) | 5.1572% | 2,773 |
| Net charge-offs to loans | 0.0405% | 2,629 |
| Credit loss provision to net charge-offs | 112.3188% | 2,118 |
| Earnings coverage of net charge-offs (x) | 28.5935% | 1,602 |
| Efficiency ratio | 72.7787% | 2,077 |
| Assets per employee ($millions) | 4.4230% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 3,969 |
| Loan loss allowance to noncurrent loans | 73.6280% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.1001% | 1,512 |
| Noncurrent loans to loans | 1.3809% | 1,362 |
| Net loans and leases to total assets | 76.9559% | 1,425 |
| Net loans and leases to deposits | 98.1611% | 899 |
| Net loans and leases to core deposits | 99.4363% | 1,756 |
| Total domestic deposits to total assets | 78.3976% | 4,647 |
| Equity capital to assets | 14.2511% | 924 |
| Core capital (leverage) ratio | 13.1181% | 1,161 |
| Tier 1 risk-based capital ratio | 18.1033% | 1,830 |
| Total risk-based capital ratio | 19.7381% | 1,688 |
| Memoranda: | ||
| Average total assets | $586,104,000 | 1,233 |
| Average earning assets | $546,174,250 | 1,223 |
| Average equity | $81,282,750 | 1,002 |
| Average total loans | $454,291,000 | 1,121 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8181% | 3,833 |
| Cost of funding earning assets | 0.3053% | 4,030 |
| Net interest margin | 3.5128% | 3,347 |
| Noninterest income to average assets | 0.3592% | 3,992 |
| Noninterest expense to average assets | 2.8061% | 2,734 |
| Loan and lease loss provision to assets | 0.0528% | 2,924 |
| Net operating income to assets | 0.5744% | 4,410 |
| Return on assets (ROA) | 0.6864% | 3,968 |
| Pretax return on assets | 0.9256% | 3,842 |
| Return on Equity (ROE) | 4.9949% | 4,477 |
| Retained earnings to average equity (ytd only) | 4.9949% | 2,712 |
| Net charge-offs to loans | 0.0401% | 2,400 |
| Credit loss provision to net charge-offs | 170.3297% | 1,405 |
| Earnings coverage of net charge-offs (x) | 26.6703% | 1,566 |
| Efficiency ratio | 74.5333% | 1,918 |
| Assets per employee ($millions) | 4.4650% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 4,034 |
| Loan loss allowance to noncurrent loans | 76.0522% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.0506% | 1,669 |
| Noncurrent loans to loans | 1.3399% | 1,441 |
| Net loans and leases to total assets | 76.8344% | 1,408 |
| Net loans and leases to deposits | 100.2584% | 718 |
| Net loans and leases to core deposits | 102.7244% | 1,454 |
| Total domestic deposits to total assets | 76.6364% | 5,011 |
| Equity capital to assets | 13.8737% | 1,010 |
| Core capital (leverage) ratio | 13.0532% | 1,160 |
| Tier 1 risk-based capital ratio | 17.7441% | 1,937 |
| Total risk-based capital ratio | 19.3405% | 1,785 |
| Memoranda: | ||
| Average total assets | $586,859,670 | 1,230 |
| Average earning assets | $546,975,000 | 1,222 |
| Average equity | $80,642,670 | 1,010 |
| Average total loans | $454,417,330 | 1,123 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8222% | 3,685 |
| Cost of funding earning assets | 0.3012% | 4,033 |
| Net interest margin | 3.5210% | 3,195 |
| Noninterest income to average assets | 0.3497% | 4,045 |
| Noninterest expense to average assets | 2.9747% | 2,228 |
| Loan and lease loss provision to assets | 0.0854% | 2,108 |
| Net operating income to assets | 0.4176% | 4,903 |
| Return on assets (ROA) | 0.6380% | 4,029 |
| Pretax return on assets | 0.8729% | 3,857 |
| Return on Equity (ROE) | 4.6653% | 4,534 |
| Retained earnings to average equity (ytd only) | 4.6653% | 3,082 |
| Net charge-offs to loans | 0.0238% | 2,283 |
| Credit loss provision to net charge-offs | 462.9630% | 596 |
| Earnings coverage of net charge-offs (x) | 35.5926% | 1,121 |
| Efficiency ratio | 79.2137% | 1,462 |
| Assets per employee ($millions) | 4.4144% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 4,026 |
| Loan loss allowance to noncurrent loans | 77.6840% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.0535% | 1,714 |
| Noncurrent loans to loans | 1.3408% | 1,510 |
| Net loans and leases to total assets | 76.5663% | 1,319 |
| Net loans and leases to deposits | 99.1132% | 676 |
| Net loans and leases to core deposits | 100.4107% | 1,476 |
| Total domestic deposits to total assets | 77.2514% | 5,084 |
| Equity capital to assets | 13.8099% | 969 |
| Core capital (leverage) ratio | 12.7357% | 1,238 |
| Tier 1 risk-based capital ratio | 17.8478% | 1,926 |
| Total risk-based capital ratio | 19.4671% | 1,771 |
| Memoranda: | ||
| Average total assets | $585,602,500 | 1,231 |
| Average earning assets | $545,759,500 | 1,221 |
| Average equity | $80,080,000 | 1,014 |
| Average total loans | $452,874,000 | 1,119 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 3,814 |
| Cost of funding earning assets | 0.3241% | 3,805 |
| Net interest margin | 3.5039% | 3,415 |
| Noninterest income to average assets | 0.2262% | 5,059 |
| Noninterest expense to average assets | 2.7795% | 3,094 |
| Loan and lease loss provision to assets | 0.0982% | 2,410 |
| Net operating income to assets | 0.6449% | 4,017 |
| Return on assets (ROA) | 0.7331% | 3,740 |
| Pretax return on assets | 0.6935% | 4,516 |
| Return on Equity (ROE) | 5.4655% | 4,213 |
| Retained earnings to average equity (ytd only) | 5.4655% | 2,034 |
| Net charge-offs to loans | 0.0573% | 2,905 |
| Credit loss provision to net charge-offs | 226.1905% | 1,269 |
| Earnings coverage of net charge-offs (x) | 16.2063% | 2,134 |
| Efficiency ratio | 76.9585% | 1,854 |
| Assets per employee ($millions) | 4.5270% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 4,249 |
| Loan loss allowance to noncurrent loans | 78.4508% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.0285% | 1,842 |
| Noncurrent loans to loans | 1.2884% | 1,586 |
| Net loans and leases to total assets | 76.5163% | 1,436 |
| Net loans and leases to deposits | 101.2807% | 581 |
| Net loans and leases to core deposits | 102.6290% | 1,401 |
| Total domestic deposits to total assets | 75.5487% | 5,289 |
| Equity capital to assets | 13.5411% | 1,027 |
| Core capital (leverage) ratio | 12.7082% | 1,249 |
| Tier 1 risk-based capital ratio | 17.9545% | 1,859 |
| Total risk-based capital ratio | 19.6087% | 1,729 |
| Memoranda: | ||
| Average total assets | $580,526,800 | 1,203 |
| Average earning assets | $539,604,600 | 1,191 |
| Average equity | $77,870,000 | 1,018 |
| Average total loans | $439,898,800 | 1,110 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 3,793 |
| Cost of funding earning assets | 0.3292% | 3,788 |
| Net interest margin | 3.5116% | 3,426 |
| Noninterest income to average assets | 0.3980% | 3,935 |
| Noninterest expense to average assets | 2.7987% | 3,015 |
| Loan and lease loss provision to assets | 0.0864% | 2,498 |
| Net operating income to assets | 0.5682% | 4,423 |
| Return on assets (ROA) | 0.6531% | 4,189 |
| Pretax return on assets | 0.8914% | 4,011 |
| Return on Equity (ROE) | 4.8809% | 4,564 |
| Retained earnings to average equity (ytd only) | 4.8809% | 2,905 |
| Net charge-offs to loans | 0.0666% | 2,381 |
| Credit loss provision to net charge-offs | 172.0183% | 1,620 |
| Earnings coverage of net charge-offs (x) | 17.1468% | 2,066 |
| Efficiency ratio | 73.7502% | 2,332 |
| Assets per employee ($millions) | 4.6180% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 4,364 |
| Loan loss allowance to noncurrent loans | 72.9095% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.0507% | 1,963 |
| Noncurrent loans to loans | 1.3808% | 1,591 |
| Net loans and leases to total assets | 71.5870% | 2,246 |
| Net loans and leases to deposits | 98.3084% | 830 |
| Net loans and leases to core deposits | 99.4224% | 1,691 |
| Total domestic deposits to total assets | 72.8188% | 5,540 |
| Equity capital to assets | 12.9450% | 1,512 |
| Core capital (leverage) ratio | 12.6586% | 1,330 |
| Tier 1 risk-based capital ratio | 18.0039% | 1,920 |
| Total risk-based capital ratio | 19.6131% | 1,782 |
| Memoranda: | ||
| Average total assets | $578,532,250 | 1,212 |
| Average earning assets | $537,436,000 | 1,197 |
| Average equity | $77,415,000 | 1,031 |
| Average total loans | $436,148,500 | 1,117 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 3,519 |
| Cost of funding earning assets | 0.3418% | 3,655 |
| Net interest margin | 3.5843% | 3,162 |
| Noninterest income to average assets | 0.3707% | 4,096 |
| Noninterest expense to average assets | 2.7192% | 3,315 |
| Loan and lease loss provision to assets | 0.0880% | 2,384 |
| Net operating income to assets | 0.6550% | 4,020 |
| Return on assets (ROA) | 0.6558% | 4,164 |
| Pretax return on assets | 0.8941% | 3,972 |
| Return on Equity (ROE) | 4.8442% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.8442% | 2,830 |
| Net charge-offs to loans | 0.0764% | 2,099 |
| Credit loss provision to net charge-offs | 150.6024% | 1,582 |
| Earnings coverage of net charge-offs (x) | 16.7892% | 1,913 |
| Efficiency ratio | 70.7477% | 2,867 |
| Assets per employee ($millions) | 4.3160% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 4,456 |
| Loan loss allowance to noncurrent loans | 63.0363% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 1.2540% | 1,633 |
| Noncurrent loans to loans | 1.6029% | 1,339 |
| Net loans and leases to total assets | 75.0463% | 1,638 |
| Net loans and leases to deposits | 101.6500% | 588 |
| Net loans and leases to core deposits | 102.9963% | 1,400 |
| Total domestic deposits to total assets | 73.8282% | 5,532 |
| Equity capital to assets | 13.7874% | 1,102 |
| Core capital (leverage) ratio | 12.5286% | 1,340 |
| Tier 1 risk-based capital ratio | 18.3859% | 1,831 |
| Total risk-based capital ratio | 20.0983% | 1,688 |
| Memoranda: | ||
| Average total assets | $568,183,000 | 1,235 |
| Average earning assets | $527,804,670 | 1,220 |
| Average equity | $76,916,670 | 1,035 |
| Average total loans | $434,592,000 | 1,126 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9452% | 3,420 |
| Cost of funding earning assets | 0.3515% | 3,587 |
| Net interest margin | 3.5937% | 3,113 |
| Noninterest income to average assets | 0.3581% | 4,163 |
| Noninterest expense to average assets | 2.6922% | 3,442 |
| Loan and lease loss provision to assets | 0.0881% | 2,211 |
| Net operating income to assets | 0.6671% | 3,886 |
| Return on assets (ROA) | 0.6676% | 4,007 |
| Pretax return on assets | 0.9157% | 3,784 |
| Return on Equity (ROE) | 4.9776% | 4,495 |
| Retained earnings to average equity (ytd only) | 4.9776% | 2,956 |
| Net charge-offs to loans | 0.0624% | 1,873 |
| Credit loss provision to net charge-offs | 183.8235% | 1,135 |
| Earnings coverage of net charge-offs (x) | 20.9265% | 1,448 |
| Efficiency ratio | 70.1068% | 3,104 |
| Assets per employee ($millions) | 4.2634% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 4,667 |
| Loan loss allowance to noncurrent loans | 57.8575% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 1.3674% | 1,545 |
| Noncurrent loans to loans | 1.7113% | 1,315 |
| Net loans and leases to total assets | 75.9111% | 1,407 |
| Net loans and leases to deposits | 102.1536% | 502 |
| Net loans and leases to core deposits | 103.5021% | 1,221 |
| Total domestic deposits to total assets | 74.3107% | 5,589 |
| Equity capital to assets | 13.4824% | 1,183 |
| Core capital (leverage) ratio | 12.3703% | 1,397 |
| Tier 1 risk-based capital ratio | 17.8951% | 2,017 |
| Total risk-based capital ratio | 19.5173% | 1,875 |
| Memoranda: | ||
| Average total assets | $567,416,500 | 1,239 |
| Average earning assets | $526,921,000 | 1,225 |
| Average equity | $76,100,500 | 1,046 |
| Average total loans | $435,930,500 | 1,115 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0180% | 3,246 |
| Cost of funding earning assets | 0.4254% | 2,893 |
| Net interest margin | 3.5926% | 3,168 |
| Noninterest income to average assets | 0.3820% | 4,174 |
| Noninterest expense to average assets | 2.7985% | 3,233 |
| Loan and lease loss provision to assets | 0.1048% | 2,231 |
| Net operating income to assets | 0.5579% | 4,466 |
| Return on assets (ROA) | 0.5864% | 4,442 |
| Pretax return on assets | 0.8146% | 4,144 |
| Return on Equity (ROE) | 4.3695% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.3695% | 2,872 |
| Net charge-offs to loans | 0.0689% | 2,860 |
| Credit loss provision to net charge-offs | 198.9619% | 1,409 |
| Earnings coverage of net charge-offs (x) | 16.6990% | 2,113 |
| Efficiency ratio | 73.2292% | 2,707 |
| Assets per employee ($millions) | 4.2692% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 4,692 |
| Loan loss allowance to noncurrent loans | 64.0431% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.2548% | 1,704 |
| Noncurrent loans to loans | 1.5404% | 1,497 |
| Net loans and leases to total assets | 76.2269% | 1,375 |
| Net loans and leases to deposits | 100.6542% | 635 |
| Net loans and leases to core deposits | 102.0354% | 1,359 |
| Total domestic deposits to total assets | 75.7315% | 5,475 |
| Equity capital to assets | 13.3401% | 1,191 |
| Core capital (leverage) ratio | 12.4403% | 1,378 |
| Tier 1 risk-based capital ratio | 18.0359% | 1,955 |
| Total risk-based capital ratio | 19.6364% | 1,812 |
| Memoranda: | ||
| Average total assets | $548,476,800 | 1,238 |
| Average earning assets | $503,262,400 | 1,242 |
| Average equity | $73,600,400 | 1,040 |
| Average total loans | $419,635,800 | 1,089 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0188% | 3,265 |
| Cost of funding earning assets | 0.4470% | 2,718 |
| Net interest margin | 3.5717% | 3,267 |
| Noninterest income to average assets | 0.3809% | 4,210 |
| Noninterest expense to average assets | 2.7627% | 3,335 |
| Loan and lease loss provision to assets | 0.1040% | 2,124 |
| Net operating income to assets | 0.5737% | 4,510 |
| Return on assets (ROA) | 0.5742% | 4,600 |
| Pretax return on assets | 0.7887% | 4,369 |
| Return on Equity (ROE) | 4.2727% | 4,926 |
| Retained earnings to average equity (ytd only) | 4.2727% | 3,425 |
| Net charge-offs to loans | 0.0602% | 2,736 |
| Credit loss provision to net charge-offs | 226.0638% | 1,217 |
| Earnings coverage of net charge-offs (x) | 19.3830% | 1,941 |
| Efficiency ratio | 72.7078% | 2,764 |
| Assets per employee ($millions) | 4.2478% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 4,810 |
| Loan loss allowance to noncurrent loans | 62.6908% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 1.2575% | 1,861 |
| Noncurrent loans to loans | 1.5748% | 1,583 |
| Net loans and leases to total assets | 75.6799% | 1,435 |
| Net loans and leases to deposits | 103.3944% | 479 |
| Net loans and leases to core deposits | 104.8633% | 1,177 |
| Total domestic deposits to total assets | 73.1953% | 5,772 |
| Equity capital to assets | 13.2311% | 1,338 |
| Core capital (leverage) ratio | 12.4925% | 1,420 |
| Tier 1 risk-based capital ratio | 17.9490% | 2,038 |
| Total risk-based capital ratio | 19.4596% | 1,942 |
| Memoranda: | ||
| Average total assets | $544,712,750 | 1,254 |
| Average earning assets | $499,279,500 | 1,258 |
| Average equity | $73,206,500 | 1,046 |
| Average total loans | $416,083,750 | 1,102 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0357% | 3,140 |
| Cost of funding earning assets | 0.4499% | 2,730 |
| Net interest margin | 3.5858% | 3,147 |
| Noninterest income to average assets | 0.3760% | 4,256 |
| Noninterest expense to average assets | 2.8014% | 3,232 |
| Loan and lease loss provision to assets | 0.1112% | 1,977 |
| Net operating income to assets | 0.5451% | 4,578 |
| Return on assets (ROA) | 0.5443% | 4,690 |
| Pretax return on assets | 0.7457% | 4,507 |
| Return on Equity (ROE) | 4.0286% | 5,006 |
| Retained earnings to average equity (ytd only) | 4.0286% | 3,451 |
| Net charge-offs to loans | 0.0777% | 2,275 |
| Credit loss provision to net charge-offs | 187.5000% | 1,301 |
| Earnings coverage of net charge-offs (x) | 14.4625% | 2,056 |
| Efficiency ratio | 73.6346% | 2,730 |
| Assets per employee ($millions) | 4.1544% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 4,934 |
| Loan loss allowance to noncurrent loans | 63.0952% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 1.2030% | 2,104 |
| Noncurrent loans to loans | 1.5630% | 1,689 |
| Net loans and leases to total assets | 75.6868% | 1,410 |
| Net loans and leases to deposits | 103.2016% | 490 |
| Net loans and leases to core deposits | 104.9107% | 1,133 |
| Total domestic deposits to total assets | 73.3388% | 5,839 |
| Equity capital to assets | 13.3861% | 1,223 |
| Core capital (leverage) ratio | 12.6319% | 1,322 |
| Tier 1 risk-based capital ratio | 18.2015% | 2,007 |
| Total risk-based capital ratio | 19.8142% | 1,863 |
| Memoranda: | ||
| Average total assets | $539,381,000 | 1,272 |
| Average earning assets | $493,886,670 | 1,282 |
| Average equity | $72,879,330 | 1,057 |
| Average total loans | $411,920,330 | 1,116 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 2,950 |
| Cost of funding earning assets | 0.4578% | 2,700 |
| Net interest margin | 3.6126% | 2,954 |
| Noninterest income to average assets | 0.3747% | 4,202 |
| Noninterest expense to average assets | 2.7857% | 3,298 |
| Loan and lease loss provision to assets | 0.1122% | 1,843 |
| Net operating income to assets | 0.5642% | 4,432 |
| Return on assets (ROA) | 0.5594% | 4,556 |
| Pretax return on assets | 0.7748% | 4,332 |
| Return on Equity (ROE) | 4.1203% | 4,936 |
| Retained earnings to average equity (ytd only) | 4.1203% | 3,534 |
| Net charge-offs to loans | 0.0656% | 2,081 |
| Credit loss provision to net charge-offs | 223.8806% | 977 |
| Earnings coverage of net charge-offs (x) | 17.8358% | 1,505 |
| Efficiency ratio | 72.7846% | 3,030 |
| Assets per employee ($millions) | 4.0523% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 5,069 |
| Loan loss allowance to noncurrent loans | 56.7432% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 1.4023% | 1,891 |
| Noncurrent loans to loans | 1.7498% | 1,559 |
| Net loans and leases to total assets | 76.0025% | 1,208 |
| Net loans and leases to deposits | 100.6140% | 530 |
| Net loans and leases to core deposits | 103.0964% | 1,113 |
| Total domestic deposits to total assets | 75.5386% | 5,784 |
| Equity capital to assets | 13.6651% | 1,104 |
| Core capital (leverage) ratio | 12.6381% | 1,298 |
| Tier 1 risk-based capital ratio | 18.5086% | 2,003 |
| Total risk-based capital ratio | 20.1424% | 1,861 |
| Memoranda: | ||
| Average total assets | $534,881,000 | 1,277 |
| Average earning assets | $489,291,500 | 1,295 |
| Average equity | $72,615,500 | 1,058 |
| Average total loans | $408,287,500 | 1,124 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1856% | 2,997 |
| Cost of funding earning assets | 0.5138% | 2,539 |
| Net interest margin | 3.6718% | 3,123 |
| Noninterest income to average assets | 0.4250% | 4,007 |
| Noninterest expense to average assets | 2.8773% | 3,216 |
| Loan and lease loss provision to assets | 0.1261% | 2,079 |
| Net operating income to assets | 0.5509% | 4,593 |
| Return on assets (ROA) | 0.5991% | 4,467 |
| Pretax return on assets | 0.8357% | 4,124 |
| Return on Equity (ROE) | 4.4199% | 4,932 |
| Retained earnings to average equity (ytd only) | 4.4199% | 3,037 |
| Net charge-offs to loans | 0.0609% | 3,627 |
| Credit loss provision to net charge-offs | 271.0744% | 942 |
| Earnings coverage of net charge-offs (x) | 19.2397% | 1,795 |
| Efficiency ratio | 73.3466% | 2,956 |
| Assets per employee ($millions) | 4.0519% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9839% | 5,142 |
| Loan loss allowance to noncurrent loans | 61.9898% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 1.3718% | 2,034 |
| Noncurrent loans to loans | 1.5871% | 1,840 |
| Net loans and leases to total assets | 75.1534% | 1,392 |
| Net loans and leases to deposits | 103.3795% | 456 |
| Net loans and leases to core deposits | 104.8691% | 1,082 |
| Total domestic deposits to total assets | 72.6966% | 6,041 |
| Equity capital to assets | 13.4869% | 1,167 |
| Core capital (leverage) ratio | 12.2808% | 1,456 |
| Tier 1 risk-based capital ratio | 17.5162% | 2,309 |
| Total risk-based capital ratio | 19.0964% | 2,154 |
| Memoranda: | ||
| Average total assets | $520,287,000 | 1,291 |
| Average earning assets | $474,295,400 | 1,290 |
| Average equity | $70,522,000 | 1,043 |
| Average total loans | $397,379,400 | 1,109 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1963% | 3,002 |
| Cost of funding earning assets | 0.5254% | 2,511 |
| Net interest margin | 3.6709% | 3,149 |
| Noninterest income to average assets | 0.4377% | 3,970 |
| Noninterest expense to average assets | 2.8491% | 3,286 |
| Loan and lease loss provision to assets | 0.1406% | 1,778 |
| Net operating income to assets | 0.5667% | 4,605 |
| Return on assets (ROA) | 0.5812% | 4,619 |
| Pretax return on assets | 0.8129% | 4,319 |
| Return on Equity (ROE) | 4.2821% | 5,045 |
| Retained earnings to average equity (ytd only) | 4.2821% | 3,602 |
| Net charge-offs to loans | 0.0634% | 3,299 |
| Credit loss provision to net charge-offs | 289.8936% | 934 |
| Earnings coverage of net charge-offs (x) | 19.2341% | 1,795 |
| Efficiency ratio | 72.3799% | 3,115 |
| Assets per employee ($millions) | 3.9298% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 5,329 |
| Loan loss allowance to noncurrent loans | 65.0314% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 1.3264% | 2,329 |
| Noncurrent loans to loans | 1.4964% | 2,171 |
| Net loans and leases to total assets | 74.9620% | 1,369 |
| Net loans and leases to deposits | 103.3772% | 434 |
| Net loans and leases to core deposits | 104.5185% | 1,070 |
| Total domestic deposits to total assets | 72.5131% | 6,136 |
| Equity capital to assets | 13.3304% | 1,267 |
| Core capital (leverage) ratio | 12.1811% | 1,588 |
| Tier 1 risk-based capital ratio | 17.2001% | 2,525 |
| Total risk-based capital ratio | 18.7672% | 2,351 |
| Memoranda: | ||
| Average total assets | $516,645,500 | 1,316 |
| Average earning assets | $470,722,500 | 1,309 |
| Average equity | $70,118,750 | 1,050 |
| Average total loans | $395,235,750 | 1,113 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2125% | 2,908 |
| Cost of funding earning assets | 0.5419% | 2,419 |
| Net interest margin | 3.6706% | 3,063 |
| Noninterest income to average assets | 0.4476% | 3,891 |
| Noninterest expense to average assets | 2.9218% | 3,095 |
| Loan and lease loss provision to assets | 0.1206% | 2,042 |
| Net operating income to assets | 0.5424% | 4,639 |
| Return on assets (ROA) | 0.5479% | 4,711 |
| Pretax return on assets | 0.7550% | 4,433 |
| Return on Equity (ROE) | 4.0118% | 5,143 |
| Retained earnings to average equity (ytd only) | 4.0118% | 3,628 |
| Net charge-offs to loans | 0.0485% | 3,281 |
| Credit loss provision to net charge-offs | 324.2105% | 806 |
| Earnings coverage of net charge-offs (x) | 23.3368% | 1,475 |
| Efficiency ratio | 74.1269% | 2,959 |
| Assets per employee ($millions) | 4.0028% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 5,549 |
| Loan loss allowance to noncurrent loans | 60.9905% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 1.3884% | 2,356 |
| Noncurrent loans to loans | 1.5642% | 2,215 |
| Net loans and leases to total assets | 74.5301% | 1,376 |
| Net loans and leases to deposits | 103.8116% | 369 |
| Net loans and leases to core deposits | 105.3696% | 936 |
| Total domestic deposits to total assets | 71.7936% | 6,263 |
| Equity capital to assets | 13.4277% | 1,187 |
| Core capital (leverage) ratio | 12.3803% | 1,455 |
| Tier 1 risk-based capital ratio | 17.2249% | 2,525 |
| Total risk-based capital ratio | 18.8236% | 2,365 |
| Memoranda: | ||
| Average total assets | $510,711,330 | 1,324 |
| Average earning assets | $465,040,670 | 1,323 |
| Average equity | $69,743,670 | 1,046 |
| Average total loans | $392,124,330 | 1,114 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2567% | 2,676 |
| Cost of funding earning assets | 0.5648% | 2,296 |
| Net interest margin | 3.6920% | 2,893 |
| Noninterest income to average assets | 0.4479% | 3,807 |
| Noninterest expense to average assets | 3.0167% | 2,811 |
| Loan and lease loss provision to assets | 0.1124% | 2,074 |
| Net operating income to assets | 0.4943% | 4,718 |
| Return on assets (ROA) | 0.4925% | 4,804 |
| Pretax return on assets | 0.6719% | 4,585 |
| Return on Equity (ROE) | 3.5753% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.5753% | 3,988 |
| Net charge-offs to loans | 0.0380% | 2,852 |
| Credit loss provision to net charge-offs | 381.0811% | 675 |
| Earnings coverage of net charge-offs (x) | 26.6757% | 1,124 |
| Efficiency ratio | 76.2992% | 2,750 |
| Assets per employee ($millions) | 3.8376% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 5,720 |
| Loan loss allowance to noncurrent loans | 52.3965% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 1.7021% | 2,075 |
| Noncurrent loans to loans | 1.8036% | 2,133 |
| Net loans and leases to total assets | 76.2283% | 976 |
| Net loans and leases to deposits | 99.1623% | 483 |
| Net loans and leases to core deposits | 100.9524% | 1,039 |
| Total domestic deposits to total assets | 76.8722% | 5,982 |
| Equity capital to assets | 13.7373% | 1,017 |
| Core capital (leverage) ratio | 12.4870% | 1,393 |
| Tier 1 risk-based capital ratio | 17.2466% | 2,572 |
| Total risk-based capital ratio | 18.7848% | 2,439 |
| Memoranda: | ||
| Average total assets | $501,879,000 | 1,345 |
| Average earning assets | $456,125,500 | 1,355 |
| Average equity | $69,141,000 | 1,054 |
| Average total loans | $389,390,500 | 1,138 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 2,731 |
| Cost of funding earning assets | 0.7846% | 1,294 |
| Net interest margin | 3.5760% | 3,572 |
| Noninterest income to average assets | 0.3944% | 4,486 |
| Noninterest expense to average assets | 2.9558% | 3,179 |
| Loan and lease loss provision to assets | 0.2100% | 1,761 |
| Net operating income to assets | 0.3582% | 5,304 |
| Return on assets (ROA) | 0.5096% | 4,823 |
| Pretax return on assets | 0.7105% | 4,501 |
| Return on Equity (ROE) | 3.5493% | 5,301 |
| Retained earnings to average equity (ytd only) | 3.5493% | 3,693 |
| Net charge-offs to loans | 0.1311% | 3,499 |
| Credit loss provision to net charge-offs | 219.0789% | 1,056 |
| Earnings coverage of net charge-offs (x) | 7.4101% | 2,850 |
| Efficiency ratio | 79.0940% | 2,304 |
| Assets per employee ($millions) | 3.7954% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 5,857 |
| Loan loss allowance to noncurrent loans | 50.2527% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 1.7989% | 2,053 |
| Noncurrent loans to loans | 1.8316% | 2,193 |
| Net loans and leases to total assets | 77.5094% | 886 |
| Net loans and leases to deposits | 98.0298% | 586 |
| Net loans and leases to core deposits | 99.8427% | 1,172 |
| Total domestic deposits to total assets | 79.0671% | 5,641 |
| Equity capital to assets | 13.8163% | 959 |
| Core capital (leverage) ratio | 12.0156% | 1,597 |
| Tier 1 risk-based capital ratio | 17.2791% | 2,500 |
| Total risk-based capital ratio | 18.7633% | 2,386 |
| Memoranda: | ||
| Average total assets | $475,710,200 | 1,395 |
| Average earning assets | $435,239,600 | 1,398 |
| Average equity | $68,295,800 | 1,045 |
| Average total loans | $347,710,200 | 1,232 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 2,899 |
| Cost of funding earning assets | 0.7953% | 1,353 |
| Net interest margin | 3.5264% | 3,769 |
| Noninterest income to average assets | 0.3807% | 4,669 |
| Noninterest expense to average assets | 2.6550% | 4,181 |
| Loan and lease loss provision to assets | 0.1310% | 2,649 |
| Net operating income to assets | 0.5803% | 4,427 |
| Return on assets (ROA) | 0.6095% | 4,434 |
| Pretax return on assets | 0.8680% | 4,016 |
| Return on Equity (ROE) | 4.2035% | 5,131 |
| Retained earnings to average equity (ytd only) | 4.2035% | 3,694 |
| Net charge-offs to loans | 0.1079% | 3,460 |
| Credit loss provision to net charge-offs | 169.2308% | 1,407 |
| Earnings coverage of net charge-offs (x) | 12.3700% | 2,139 |
| Efficiency ratio | 72.5261% | 3,314 |
| Assets per employee ($millions) | 4.1291% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 5,933 |
| Loan loss allowance to noncurrent loans | 51.3041% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 1.7437% | 2,353 |
| Noncurrent loans to loans | 1.8427% | 2,442 |
| Net loans and leases to total assets | 70.5691% | 1,859 |
| Net loans and leases to deposits | 106.9553% | 214 |
| Net loans and leases to core deposits | 108.9037% | 625 |
| Total domestic deposits to total assets | 65.9800% | 6,708 |
| Equity capital to assets | 14.3557% | 866 |
| Core capital (leverage) ratio | 13.4234% | 1,056 |
| Tier 1 risk-based capital ratio | 20.0535% | 1,725 |
| Total risk-based capital ratio | 21.5248% | 1,639 |
| Memoranda: | ||
| Average total assets | $470,339,250 | 1,414 |
| Average earning assets | $431,024,250 | 1,419 |
| Average equity | $68,196,250 | 1,055 |
| Average total loans | $337,399,750 | 1,268 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3580% | 2,729 |
| Cost of funding earning assets | 0.8214% | 1,299 |
| Net interest margin | 3.5365% | 3,627 |
| Noninterest income to average assets | 0.3748% | 4,715 |
| Noninterest expense to average assets | 2.6377% | 4,257 |
| Loan and lease loss provision to assets | 0.1318% | 2,670 |
| Net operating income to assets | 0.5870% | 4,362 |
| Return on assets (ROA) | 0.6289% | 4,318 |
| Pretax return on assets | 0.9062% | 3,884 |
| Return on Equity (ROE) | 4.3230% | 5,085 |
| Retained earnings to average equity (ytd only) | 4.3230% | 3,526 |
| Net charge-offs to loans | 0.0976% | 3,385 |
| Credit loss provision to net charge-offs | 187.8049% | 1,267 |
| Earnings coverage of net charge-offs (x) | 13.9268% | 1,864 |
| Efficiency ratio | 71.9849% | 3,471 |
| Assets per employee ($millions) | 4.6843% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 6,007 |
| Loan loss allowance to noncurrent loans | 46.5808% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 1.9490% | 2,223 |
| Noncurrent loans to loans | 2.0288% | 2,369 |
| Net loans and leases to total assets | 70.4732% | 1,806 |
| Net loans and leases to deposits | 111.4883% | 120 |
| Net loans and leases to core deposits | 113.7364% | 440 |
| Total domestic deposits to total assets | 63.2112% | 6,812 |
| Equity capital to assets | 14.4217% | 839 |
| Core capital (leverage) ratio | 13.5405% | 962 |
| Tier 1 risk-based capital ratio | 20.0973% | 1,699 |
| Total risk-based capital ratio | 21.5573% | 1,626 |
| Memoranda: | ||
| Average total assets | $467,459,000 | 1,420 |
| Average earning assets | $428,273,000 | 1,426 |
| Average equity | $68,008,000 | 1,060 |
| Average total loans | $336,120,330 | 1,269 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4338% | 2,408 |
| Cost of funding earning assets | 0.8544% | 1,232 |
| Net interest margin | 3.5793% | 3,347 |
| Noninterest income to average assets | 0.3650% | 4,749 |
| Noninterest expense to average assets | 2.8057% | 3,676 |
| Loan and lease loss provision to assets | 0.1326% | 2,580 |
| Net operating income to assets | 0.4753% | 4,794 |
| Return on assets (ROA) | 0.5802% | 4,461 |
| Pretax return on assets | 0.8618% | 3,905 |
| Return on Equity (ROE) | 3.9707% | 5,109 |
| Retained earnings to average equity (ytd only) | 3.9707% | 3,854 |
| Net charge-offs to loans | 0.1119% | 2,762 |
| Credit loss provision to net charge-offs | 163.8298% | 1,279 |
| Earnings coverage of net charge-offs (x) | 10.3511% | 1,752 |
| Efficiency ratio | 76.0397% | 2,916 |
| Assets per employee ($millions) | 4.2226% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 6,205 |
| Loan loss allowance to noncurrent loans | 43.6566% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 1.9695% | 2,379 |
| Noncurrent loans to loans | 2.1111% | 2,489 |
| Net loans and leases to total assets | 71.6794% | 1,404 |
| Net loans and leases to deposits | 109.2183% | 137 |
| Net loans and leases to core deposits | 111.5455% | 449 |
| Total domestic deposits to total assets | 65.6295% | 6,852 |
| Equity capital to assets | 14.7206% | 820 |
| Core capital (leverage) ratio | 13.4194% | 966 |
| Tier 1 risk-based capital ratio | 19.9054% | 1,800 |
| Total risk-based capital ratio | 21.3119% | 1,727 |
| Memoranda: | ||
| Average total assets | $464,632,500 | 1,440 |
| Average earning assets | $425,552,500 | 1,450 |
| Average equity | $67,896,500 | 1,075 |
| Average total loans | $335,881,500 | 1,266 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5843% | 3,061 |
| Cost of funding earning assets | 1.1095% | 871 |
| Net interest margin | 3.4748% | 4,604 |
| Noninterest income to average assets | 0.3574% | 4,920 |
| Noninterest expense to average assets | 2.6940% | 4,416 |
| Loan and lease loss provision to assets | 0.1189% | 4,133 |
| Net operating income to assets | 0.5359% | 4,536 |
| Return on assets (ROA) | 0.6198% | 4,407 |
| Pretax return on assets | 0.8315% | 4,175 |
| Return on Equity (ROE) | 4.2676% | 5,033 |
| Retained earnings to average equity (ytd only) | 4.2676% | 3,223 |
| Net charge-offs to loans | 0.1257% | 4,427 |
| Credit loss provision to net charge-offs | 138.3249% | 1,993 |
| Earnings coverage of net charge-offs (x) | 9.7538% | 2,230 |
| Efficiency ratio | 75.2455% | 2,867 |
| Assets per employee ($millions) | 4.1498% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9046% | 6,256 |
| Loan loss allowance to noncurrent loans | 43.3238% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 2.2118% | 2,214 |
| Noncurrent loans to loans | 2.0880% | 2,595 |
| Net loans and leases to total assets | 71.5799% | 1,556 |
| Net loans and leases to deposits | 108.0963% | 188 |
| Net loans and leases to core deposits | 110.5481% | 521 |
| Total domestic deposits to total assets | 66.2186% | 6,893 |
| Equity capital to assets | 14.5054% | 873 |
| Core capital (leverage) ratio | 13.3825% | 989 |
| Tier 1 risk-based capital ratio | 19.7740% | 1,734 |
| Total risk-based capital ratio | 21.0899% | 1,689 |
| Memoranda: | ||
| Average total assets | $458,348,600 | 1,435 |
| Average earning assets | $418,820,600 | 1,438 |
| Average equity | $66,572,000 | 1,061 |
| Average total loans | $313,474,000 | 1,340 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6177% | 3,142 |
| Cost of funding earning assets | 1.1551% | 845 |
| Net interest margin | 3.4625% | 4,798 |
| Noninterest income to average assets | 0.4084% | 4,568 |
| Noninterest expense to average assets | 2.6036% | 4,729 |
| Loan and lease loss provision to assets | 0.0817% | 4,608 |
| Net operating income to assets | 0.6545% | 4,118 |
| Return on assets (ROA) | 0.6370% | 4,455 |
| Pretax return on assets | 0.8644% | 4,242 |
| Return on Equity (ROE) | 4.3840% | 5,109 |
| Retained earnings to average equity (ytd only) | 4.3840% | 3,804 |
| Net charge-offs to loans | 0.1269% | 4,111 |
| Credit loss provision to net charge-offs | 95.5631% | 3,123 |
| Earnings coverage of net charge-offs (x) | 11.3378% | 2,085 |
| Efficiency ratio | 71.8569% | 3,353 |
| Assets per employee ($millions) | 4.1756% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 6,406 |
| Loan loss allowance to noncurrent loans | 41.0663% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 2.1073% | 2,534 |
| Noncurrent loans to loans | 2.1670% | 2,659 |
| Net loans and leases to total assets | 69.6623% | 1,982 |
| Net loans and leases to deposits | 102.5522% | 328 |
| Net loans and leases to core deposits | 104.8274% | 820 |
| Total domestic deposits to total assets | 67.9286% | 6,929 |
| Equity capital to assets | 14.7521% | 882 |
| Core capital (leverage) ratio | 12.9198% | 1,216 |
| Tier 1 risk-based capital ratio | 20.0891% | 1,731 |
| Total risk-based capital ratio | 21.5329% | 1,658 |
| Memoranda: | ||
| Average total assets | $456,740,750 | 1,456 |
| Average earning assets | $417,488,500 | 1,457 |
| Average equity | $66,360,500 | 1,067 |
| Average total loans | $307,911,000 | 1,373 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6232% | 3,262 |
| Cost of funding earning assets | 1.1734% | 921 |
| Net interest margin | 3.4498% | 4,882 |
| Noninterest income to average assets | 0.3812% | 4,786 |
| Noninterest expense to average assets | 2.6252% | 4,694 |
| Loan and lease loss provision to assets | 0.0395% | 5,174 |
| Net operating income to assets | 0.6843% | 3,953 |
| Return on assets (ROA) | 0.6809% | 4,240 |
| Pretax return on assets | 0.8656% | 4,211 |
| Return on Equity (ROE) | 4.7106% | 4,954 |
| Retained earnings to average equity (ytd only) | 4.7106% | 3,475 |
| Net charge-offs to loans | 0.1188% | 3,986 |
| Credit loss provision to net charge-offs | 50.0000% | 4,034 |
| Earnings coverage of net charge-offs (x) | 11.5167% | 1,953 |
| Efficiency ratio | 73.2531% | 3,201 |
| Assets per employee ($millions) | 4.1612% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 6,468 |
| Loan loss allowance to noncurrent loans | 38.4224% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 2.0561% | 2,713 |
| Noncurrent loans to loans | 2.3297% | 2,566 |
| Net loans and leases to total assets | 67.0196% | 2,458 |
| Net loans and leases to deposits | 99.3651% | 449 |
| Net loans and leases to core deposits | 101.3957% | 1,011 |
| Total domestic deposits to total assets | 67.4479% | 7,016 |
| Equity capital to assets | 14.4528% | 930 |
| Core capital (leverage) ratio | 13.1339% | 1,112 |
| Tier 1 risk-based capital ratio | 20.1919% | 1,666 |
| Total risk-based capital ratio | 21.6246% | 1,588 |
| Memoranda: | ||
| Average total assets | $455,881,330 | 1,462 |
| Average earning assets | $416,725,000 | 1,460 |
| Average equity | $65,894,330 | 1,067 |
| Average total loans | $302,933,000 | 1,398 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6260% | 3,377 |
| Cost of funding earning assets | 1.1884% | 1,039 |
| Net interest margin | 3.4376% | 4,969 |
| Noninterest income to average assets | 0.3833% | 4,804 |
| Noninterest expense to average assets | 2.6365% | 4,678 |
| Loan and lease loss provision to assets | 0.0397% | 4,890 |
| Net operating income to assets | 0.6601% | 4,079 |
| Return on assets (ROA) | 0.6580% | 4,299 |
| Pretax return on assets | 0.8470% | 4,239 |
| Return on Equity (ROE) | 4.5522% | 5,016 |
| Retained earnings to average equity (ytd only) | 4.5522% | 3,852 |
| Net charge-offs to loans | 0.1180% | 3,406 |
| Credit loss provision to net charge-offs | 51.1364% | 3,263 |
| Earnings coverage of net charge-offs (x) | 11.4432% | 1,671 |
| Efficiency ratio | 73.7475% | 3,134 |
| Assets per employee ($millions) | 4.1600% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 6,448 |
| Loan loss allowance to noncurrent loans | 41.8433% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 2.0387% | 2,843 |
| Noncurrent loans to loans | 2.2405% | 2,875 |
| Net loans and leases to total assets | 65.6255% | 2,541 |
| Net loans and leases to deposits | 96.5738% | 506 |
| Net loans and leases to core deposits | 98.4432% | 1,096 |
| Total domestic deposits to total assets | 67.9537% | 7,051 |
| Equity capital to assets | 14.3933% | 894 |
| Core capital (leverage) ratio | 13.3056% | 1,022 |
| Tier 1 risk-based capital ratio | 20.4201% | 1,612 |
| Total risk-based capital ratio | 21.8992% | 1,527 |
| Memoranda: | ||
| Average total assets | $452,874,000 | 1,474 |
| Average earning assets | $414,012,000 | 1,475 |
| Average equity | $65,463,000 | 1,075 |
| Average total loans | $298,221,000 | 1,425 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9008% | 3,354 |
| Cost of funding earning assets | 1.3411% | 1,288 |
| Net interest margin | 3.5597% | 4,895 |
| Noninterest income to average assets | 0.4752% | 4,030 |
| Noninterest expense to average assets | 2.7448% | 4,580 |
| Loan and lease loss provision to assets | 0.0142% | 6,367 |
| Net operating income to assets | 0.7195% | 3,390 |
| Return on assets (ROA) | 0.6777% | 3,787 |
| Pretax return on assets | 0.8986% | 3,611 |
| Return on Equity (ROE) | 4.8509% | 4,458 |
| Retained earnings to average equity (ytd only) | 4.8509% | 2,752 |
| Net charge-offs to loans | 0.1507% | 4,934 |
| Credit loss provision to net charge-offs | 14.5125% | 5,972 |
| Earnings coverage of net charge-offs (x) | 9.8912% | 1,913 |
| Efficiency ratio | 72.9295% | 3,406 |
| Assets per employee ($millions) | 4.1114% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 6,291 |
| Loan loss allowance to noncurrent loans | 38.7873% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 2.0855% | 2,861 |
| Noncurrent loans to loans | 2.5360% | 2,590 |
| Net loans and leases to total assets | 64.8028% | 3,025 |
| Net loans and leases to deposits | 93.3237% | 859 |
| Net loans and leases to core deposits | 95.1300% | 1,573 |
| Total domestic deposits to total assets | 69.4388% | 7,015 |
| Equity capital to assets | 14.5180% | 893 |
| Core capital (leverage) ratio | 12.9967% | 1,142 |
| Tier 1 risk-based capital ratio | 22.1485% | 1,221 |
| Total risk-based capital ratio | 23.6730% | 1,151 |
| Memoranda: | ||
| Average total assets | $450,348,000 | 1,455 |
| Average earning assets | $409,669,200 | 1,458 |
| Average equity | $62,916,400 | 1,070 |
| Average total loans | $292,695,600 | 1,451 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9380% | 3,392 |
| Cost of funding earning assets | 1.3672% | 1,384 |
| Net interest margin | 3.5708% | 4,896 |
| Noninterest income to average assets | 0.4004% | 4,665 |
| Noninterest expense to average assets | 2.6971% | 4,739 |
| Loan and lease loss provision to assets | 0.0189% | 6,202 |
| Net operating income to assets | 0.6734% | 3,747 |
| Return on assets (ROA) | 0.6363% | 4,122 |
| Pretax return on assets | 0.8797% | 3,845 |
| Return on Equity (ROE) | 4.5996% | 4,725 |
| Retained earnings to average equity (ytd only) | 4.5996% | 3,449 |
| Net charge-offs to loans | 0.1632% | 4,479 |
| Credit loss provision to net charge-offs | 17.8771% | 5,590 |
| Earnings coverage of net charge-offs (x) | 8.9749% | 2,103 |
| Efficiency ratio | 72.9447% | 3,374 |
| Assets per employee ($millions) | 4.1129% | 3,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 6,156 |
| Loan loss allowance to noncurrent loans | 42.8716% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 2.1938% | 2,902 |
| Noncurrent loans to loans | 2.3849% | 2,904 |
| Net loans and leases to total assets | 64.0900% | 3,292 |
| Net loans and leases to deposits | 92.7858% | 940 |
| Net loans and leases to core deposits | 94.3951% | 1,755 |
| Total domestic deposits to total assets | 69.0730% | 7,087 |
| Equity capital to assets | 14.1925% | 1,089 |
| Core capital (leverage) ratio | 12.7744% | 1,315 |
| Tier 1 risk-based capital ratio | 20.5091% | 1,560 |
| Total risk-based capital ratio | 21.8817% | 1,506 |
| Memoranda: | ||
| Average total assets | $450,898,250 | 1,467 |
| Average earning assets | $409,984,000 | 1,468 |
| Average equity | $62,380,000 | 1,086 |
| Average total loans | $292,545,250 | 1,472 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9344% | 3,471 |
| Cost of funding earning assets | 1.3876% | 1,467 |
| Net interest margin | 3.5468% | 4,933 |
| Noninterest income to average assets | 0.4020% | 4,667 |
| Noninterest expense to average assets | 2.7098% | 4,783 |
| Loan and lease loss provision to assets | 0.0283% | 5,949 |
| Net operating income to assets | 0.6393% | 3,864 |
| Return on assets (ROA) | 0.6464% | 3,942 |
| Pretax return on assets | 0.8987% | 3,618 |
| Return on Equity (ROE) | 4.7123% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.7123% | 3,188 |
| Net charge-offs to loans | 0.0975% | 4,704 |
| Credit loss provision to net charge-offs | 44.7552% | 4,713 |
| Earnings coverage of net charge-offs (x) | 14.4895% | 1,478 |
| Efficiency ratio | 73.7093% | 3,414 |
| Assets per employee ($millions) | 4.0201% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 6,037 |
| Loan loss allowance to noncurrent loans | 44.4864% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 2.1496% | 3,050 |
| Noncurrent loans to loans | 2.4279% | 2,959 |
| Net loans and leases to total assets | 64.1710% | 3,424 |
| Net loans and leases to deposits | 94.1704% | 863 |
| Net loans and leases to core deposits | 95.8886% | 1,694 |
| Total domestic deposits to total assets | 68.1435% | 7,185 |
| Equity capital to assets | 13.8797% | 1,142 |
| Core capital (leverage) ratio | 12.4747% | 1,369 |
| Tier 1 risk-based capital ratio | 19.9975% | 1,610 |
| Total risk-based capital ratio | 21.4810% | 1,540 |
| Memoranda: | ||
| Average total assets | $451,764,000 | 1,475 |
| Average earning assets | $410,787,670 | 1,474 |
| Average equity | $61,965,000 | 1,090 |
| Average total loans | $293,299,000 | 1,480 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9055% | 3,562 |
| Cost of funding earning assets | 1.4179% | 1,521 |
| Net interest margin | 3.4876% | 5,067 |
| Noninterest income to average assets | 0.3889% | 4,796 |
| Noninterest expense to average assets | 2.7560% | 4,624 |
| Loan and lease loss provision to assets | 0.0568% | 5,289 |
| Net operating income to assets | 0.5448% | 4,294 |
| Return on assets (ROA) | 0.5460% | 4,370 |
| Pretax return on assets | 0.7467% | 4,112 |
| Return on Equity (ROE) | 4.0051% | 4,906 |
| Retained earnings to average equity (ytd only) | 4.0051% | 3,770 |
| Net charge-offs to loans | 0.0848% | 4,104 |
| Credit loss provision to net charge-offs | 103.2258% | 2,572 |
| Earnings coverage of net charge-offs (x) | 14.5645% | 1,361 |
| Efficiency ratio | 76.4412% | 3,081 |
| Assets per employee ($millions) | 4.0552% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 6,008 |
| Loan loss allowance to noncurrent loans | 48.2198% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 2.0258% | 3,288 |
| Noncurrent loans to loans | 2.3014% | 3,192 |
| Net loans and leases to total assets | 64.0395% | 3,435 |
| Net loans and leases to deposits | 92.7132% | 955 |
| Net loans and leases to core deposits | 94.3844% | 1,846 |
| Total domestic deposits to total assets | 69.0728% | 7,226 |
| Equity capital to assets | 13.5730% | 1,156 |
| Core capital (leverage) ratio | 12.4410% | 1,354 |
| Tier 1 risk-based capital ratio | 19.7005% | 1,647 |
| Total risk-based capital ratio | 21.1813% | 1,570 |
| Memoranda: | ||
| Average total assets | $450,508,500 | 1,489 |
| Average earning assets | $409,334,500 | 1,491 |
| Average equity | $61,421,500 | 1,091 |
| Average total loans | $292,600,500 | 1,500 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1699% | 3,752 |
| Cost of funding earning assets | 1.6663% | 1,749 |
| Net interest margin | 3.5036% | 5,238 |
| Noninterest income to average assets | 0.4443% | 4,564 |
| Noninterest expense to average assets | 2.6848% | 5,057 |
| Loan and lease loss provision to assets | 0.2053% | 5,189 |
| Net operating income to assets | 0.5690% | 3,806 |
| Return on assets (ROA) | 0.5248% | 4,138 |
| Pretax return on assets | 0.6892% | 4,012 |
| Return on Equity (ROE) | 3.8446% | 4,591 |
| Retained earnings to average equity (ytd only) | 3.8446% | 3,172 |
| Net charge-offs to loans | 0.1700% | 5,310 |
| Credit loss provision to net charge-offs | 190.2748% | 1,695 |
| Earnings coverage of net charge-offs (x) | 8.8309% | 1,919 |
| Efficiency ratio | 73.4654% | 3,494 |
| Assets per employee ($millions) | 3.9543% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 5,875 |
| Loan loss allowance to noncurrent loans | 54.5667% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.7568% | 3,670 |
| Noncurrent loans to loans | 2.0537% | 3,480 |
| Net loans and leases to total assets | 64.4128% | 3,783 |
| Net loans and leases to deposits | 95.6826% | 897 |
| Net loans and leases to core deposits | 97.4931% | 1,842 |
| Total domestic deposits to total assets | 67.3193% | 7,350 |
| Equity capital to assets | 13.6957% | 1,128 |
| Core capital (leverage) ratio | 12.2835% | 1,395 |
| Tier 1 risk-based capital ratio | 19.9731% | 1,493 |
| Total risk-based capital ratio | 21.4255% | 1,424 |
| Memoranda: | ||
| Average total assets | $438,473,000 | 1,521 |
| Average earning assets | $399,622,200 | 1,519 |
| Average equity | $59,849,800 | 1,111 |
| Average total loans | $278,274,400 | 1,607 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1724% | 3,974 |
| Cost of funding earning assets | 1.6995% | 1,882 |
| Net interest margin | 3.4729% | 5,408 |
| Noninterest income to average assets | 0.4351% | 4,677 |
| Noninterest expense to average assets | 2.6209% | 5,241 |
| Loan and lease loss provision to assets | 0.2062% | 4,995 |
| Net operating income to assets | 0.5833% | 3,942 |
| Return on assets (ROA) | 0.5411% | 4,299 |
| Pretax return on assets | 0.7229% | 4,164 |
| Return on Equity (ROE) | 3.9677% | 4,798 |
| Retained earnings to average equity (ytd only) | 3.9677% | 3,687 |
| Net charge-offs to loans | 0.1784% | 4,886 |
| Credit loss provision to net charge-offs | 183.4239% | 1,978 |
| Earnings coverage of net charge-offs (x) | 8.7637% | 2,114 |
| Efficiency ratio | 72.5578% | 3,600 |
| Assets per employee ($millions) | 4.2434% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 6,057 |
| Loan loss allowance to noncurrent loans | 68.2895% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.5102% | 4,191 |
| Noncurrent loans to loans | 1.5703% | 4,284 |
| Net loans and leases to total assets | 63.8391% | 4,154 |
| Net loans and leases to deposits | 95.4960% | 1,045 |
| Net loans and leases to core deposits | 97.6703% | 2,080 |
| Total domestic deposits to total assets | 66.8501% | 7,436 |
| Equity capital to assets | 13.3906% | 1,397 |
| Core capital (leverage) ratio | 12.3092% | 1,503 |
| Tier 1 risk-based capital ratio | 19.4836% | 1,647 |
| Total risk-based capital ratio | 20.8707% | 1,593 |
| Memoranda: | ||
| Average total assets | $436,382,500 | 1,554 |
| Average earning assets | $398,464,500 | 1,544 |
| Average equity | $59,513,000 | 1,119 |
| Average total loans | $275,072,750 | 1,648 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2066% | 3,920 |
| Cost of funding earning assets | 1.7379% | 1,929 |
| Net interest margin | 3.4687% | 5,371 |
| Noninterest income to average assets | 0.4116% | 4,813 |
| Noninterest expense to average assets | 2.6281% | 5,214 |
| Loan and lease loss provision to assets | 0.2091% | 4,783 |
| Net operating income to assets | 0.5423% | 4,131 |
| Return on assets (ROA) | 0.5993% | 4,019 |
| Pretax return on assets | 0.8228% | 3,807 |
| Return on Equity (ROE) | 4.3666% | 4,616 |
| Retained earnings to average equity (ytd only) | 4.3666% | 3,295 |
| Net charge-offs to loans | 0.1568% | 4,691 |
| Credit loss provision to net charge-offs | 213.2701% | 1,829 |
| Earnings coverage of net charge-offs (x) | 9.7299% | 1,982 |
| Efficiency ratio | 73.3722% | 3,582 |
| Assets per employee ($millions) | 4.0008% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 5,788 |
| Loan loss allowance to noncurrent loans | 63.6966% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.5680% | 4,107 |
| Noncurrent loans to loans | 1.7772% | 4,029 |
| Net loans and leases to total assets | 61.5644% | 4,767 |
| Net loans and leases to deposits | 93.8068% | 1,303 |
| Net loans and leases to core deposits | 95.7574% | 2,469 |
| Total domestic deposits to total assets | 65.6290% | 7,541 |
| Equity capital to assets | 13.7442% | 1,259 |
| Core capital (leverage) ratio | 12.7240% | 1,319 |
| Tier 1 risk-based capital ratio | 20.5013% | 1,431 |
| Total risk-based capital ratio | 21.7909% | 1,392 |
| Memoranda: | ||
| Average total assets | $430,495,670 | 1,589 |
| Average earning assets | $393,459,000 | 1,576 |
| Average equity | $59,084,330 | 1,119 |
| Average total loans | $269,097,330 | 1,693 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2152% | 3,941 |
| Cost of funding earning assets | 1.7609% | 2,064 |
| Net interest margin | 3.4543% | 5,359 |
| Noninterest income to average assets | 0.4190% | 4,742 |
| Noninterest expense to average assets | 2.6692% | 5,064 |
| Loan and lease loss provision to assets | 0.2104% | 4,400 |
| Net operating income to assets | 0.5051% | 4,368 |
| Return on assets (ROA) | 0.6182% | 3,952 |
| Pretax return on assets | 0.8539% | 3,649 |
| Return on Equity (ROE) | 4.5075% | 4,654 |
| Retained earnings to average equity (ytd only) | 4.5075% | 3,455 |
| Net charge-offs to loans | 0.1239% | 4,227 |
| Credit loss provision to net charge-offs | 271.0843% | 1,463 |
| Earnings coverage of net charge-offs (x) | 11.6867% | 1,630 |
| Efficiency ratio | 74.6339% | 3,461 |
| Assets per employee ($millions) | 3.9728% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 5,896 |
| Loan loss allowance to noncurrent loans | 57.8620% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 1.6588% | 3,982 |
| Noncurrent loans to loans | 1.9437% | 3,867 |
| Net loans and leases to total assets | 60.4384% | 5,046 |
| Net loans and leases to deposits | 91.3249% | 1,709 |
| Net loans and leases to core deposits | 93.3055% | 2,936 |
| Total domestic deposits to total assets | 66.1796% | 7,608 |
| Equity capital to assets | 13.6320% | 1,275 |
| Core capital (leverage) ratio | 12.8328% | 1,282 |
| Tier 1 risk-based capital ratio | 20.6802% | 1,396 |
| Total risk-based capital ratio | 22.1166% | 1,332 |
| Memoranda: | ||
| Average total assets | $427,699,500 | 1,629 |
| Average earning assets | $390,931,000 | 1,622 |
| Average equity | $58,658,000 | 1,135 |
| Average total loans | $267,871,500 | 1,755 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5408% | 3,923 |
| Cost of funding earning assets | 2.0553% | 2,699 |
| Net interest margin | 3.4855% | 5,018 |
| Noninterest income to average assets | 0.3496% | 5,595 |
| Noninterest expense to average assets | 2.8175% | 4,895 |
| Loan and lease loss provision to assets | 0.1714% | 5,975 |
| Net operating income to assets | 0.4550% | 3,906 |
| Return on assets (ROA) | 0.4698% | 3,971 |
| Pretax return on assets | 0.5743% | 3,974 |
| Return on Equity (ROE) | 3.6043% | 4,253 |
| Retained earnings to average equity (ytd only) | 3.6043% | 2,662 |
| Net charge-offs to loans | 0.2518% | 5,046 |
| Credit loss provision to net charge-offs | 108.8235% | 5,081 |
| Earnings coverage of net charge-offs (x) | 4.6191% | 2,879 |
| Efficiency ratio | 79.4746% | 2,959 |
| Assets per employee ($millions) | 3.8051% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 6,148 |
| Loan loss allowance to noncurrent loans | 57.7864% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.6266% | 3,928 |
| Noncurrent loans to loans | 1.8100% | 3,915 |
| Net loans and leases to total assets | 63.5024% | 4,705 |
| Net loans and leases to deposits | 95.9768% | 1,331 |
| Net loans and leases to core deposits | 109.0652% | 2,994 |
| Total domestic deposits to total assets | 66.1643% | 7,631 |
| Equity capital to assets | 13.7997% | 1,221 |
| Core capital (leverage) ratio | 12.7305% | 1,338 |
| Tier 1 risk-based capital ratio | 20.0501% | 1,453 |
| Total risk-based capital ratio | 21.4422% | 1,389 |
| Memoranda: | ||
| Average total assets | $431,660,800 | 1,603 |
| Average earning assets | $395,754,400 | 1,604 |
| Average equity | $56,266,400 | 1,169 |
| Average total loans | $270,010,800 | 1,779 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5625% | 4,085 |
| Cost of funding earning assets | 2.1084% | 2,852 |
| Net interest margin | 3.4541% | 5,055 |
| Noninterest income to average assets | 0.3330% | 5,826 |
| Noninterest expense to average assets | 2.9232% | 4,353 |
| Loan and lease loss provision to assets | 0.1582% | 5,767 |
| Net operating income to assets | 0.3288% | 4,682 |
| Return on assets (ROA) | 0.3681% | 4,623 |
| Pretax return on assets | 0.4704% | 4,614 |
| Return on Equity (ROE) | 2.8645% | 4,850 |
| Retained earnings to average equity (ytd only) | 2.8645% | 3,727 |
| Net charge-offs to loans | 0.2615% | 4,414 |
| Credit loss provision to net charge-offs | 97.3535% | 5,245 |
| Earnings coverage of net charge-offs (x) | 3.5576% | 3,480 |
| Efficiency ratio | 83.4869% | 2,355 |
| Assets per employee ($millions) | 3.7197% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 6,138 |
| Loan loss allowance to noncurrent loans | 46.9329% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 1.7366% | 3,764 |
| Noncurrent loans to loans | 2.1818% | 3,404 |
| Net loans and leases to total assets | 62.9577% | 5,076 |
| Net loans and leases to deposits | 95.5830% | 1,638 |
| Net loans and leases to core deposits | 108.9201% | 3,350 |
| Total domestic deposits to total assets | 65.8670% | 7,691 |
| Equity capital to assets | 13.6062% | 1,450 |
| Core capital (leverage) ratio | 12.3588% | 1,637 |
| Tier 1 risk-based capital ratio | 19.8753% | 1,585 |
| Total risk-based capital ratio | 21.2141% | 1,517 |
| Memoranda: | ||
| Average total assets | $433,984,750 | 1,608 |
| Average earning assets | $398,084,000 | 1,611 |
| Average equity | $55,761,750 | 1,194 |
| Average total loans | $269,751,750 | 1,799 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6165% | 3,986 |
| Cost of funding earning assets | 2.1590% | 2,991 |
| Net interest margin | 3.4575% | 4,972 |
| Noninterest income to average assets | 0.3256% | 5,908 |
| Noninterest expense to average assets | 2.8877% | 4,547 |
| Loan and lease loss provision to assets | 0.1829% | 5,206 |
| Net operating income to assets | 0.3362% | 4,735 |
| Return on assets (ROA) | 0.3293% | 4,882 |
| Pretax return on assets | 0.4185% | 4,883 |
| Return on Equity (ROE) | 2.6126% | 5,053 |
| Retained earnings to average equity (ytd only) | 2.6126% | 3,875 |
| Net charge-offs to loans | 0.2343% | 4,033 |
| Credit loss provision to net charge-offs | 126.5823% | 3,668 |
| Earnings coverage of net charge-offs (x) | 4.2215% | 3,169 |
| Efficiency ratio | 82.5575% | 2,658 |
| Assets per employee ($millions) | 3.8769% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 5,867 |
| Loan loss allowance to noncurrent loans | 68.5030% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.3844% | 4,192 |
| Noncurrent loans to loans | 1.5423% | 4,184 |
| Net loans and leases to total assets | 61.6859% | 5,408 |
| Net loans and leases to deposits | 96.0104% | 1,799 |
| Net loans and leases to core deposits | 109.1066% | 3,482 |
| Total domestic deposits to total assets | 64.2492% | 7,819 |
| Equity capital to assets | 12.6950% | 1,837 |
| Core capital (leverage) ratio | 12.2252% | 1,735 |
| Tier 1 risk-based capital ratio | 19.6082% | 1,652 |
| Total risk-based capital ratio | 20.8421% | 1,619 |
| Memoranda: | ||
| Average total assets | $437,296,330 | 1,616 |
| Average earning assets | $401,211,330 | 1,615 |
| Average equity | $55,116,670 | 1,221 |
| Average total loans | $269,757,670 | 1,824 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6914% | 3,846 |
| Cost of funding earning assets | 2.2565% | 2,897 |
| Net interest margin | 3.4349% | 4,993 |
| Noninterest income to average assets | 0.3081% | 5,980 |
| Noninterest expense to average assets | 2.6889% | 5,058 |
| Loan and lease loss provision to assets | 0.2051% | 4,397 |
| Net operating income to assets | 0.5679% | 4,150 |
| Return on assets (ROA) | 0.4320% | 4,909 |
| Pretax return on assets | 0.4320% | 5,304 |
| Return on Equity (ROE) | 3.4402% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.4402% | 3,973 |
| Net charge-offs to loans | 0.2273% | 3,283 |
| Credit loss provision to net charge-offs | 147.0588% | 2,824 |
| Earnings coverage of net charge-offs (x) | 5.5425% | 2,654 |
| Efficiency ratio | 77.6725% | 3,226 |
| Assets per employee ($millions) | 3.8517% | 3,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 5,765 |
| Loan loss allowance to noncurrent loans | 90.9614% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 1.0968% | 4,492 |
| Noncurrent loans to loans | 1.1634% | 4,658 |
| Net loans and leases to total assets | 60.6436% | 5,554 |
| Net loans and leases to deposits | 96.6443% | 1,847 |
| Net loans and leases to core deposits | 110.5299% | 3,367 |
| Total domestic deposits to total assets | 62.7493% | 7,889 |
| Equity capital to assets | 12.5434% | 1,949 |
| Core capital (leverage) ratio | 12.0465% | 1,878 |
| Tier 1 risk-based capital ratio | 19.3618% | 1,742 |
| Total risk-based capital ratio | 20.5443% | 1,713 |
| Memoranda: | ||
| Average total assets | $438,839,000 | 1,618 |
| Average earning assets | $402,920,500 | 1,619 |
| Average equity | $55,113,500 | 1,234 |
| Average total loans | $269,283,000 | 1,844 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0756% | 5,167 |
| Cost of funding earning assets | 2.6642% | 3,343 |
| Net interest margin | 3.4114% | 5,614 |
| Noninterest income to average assets | 0.3697% | 5,744 |
| Noninterest expense to average assets | 2.8394% | 4,651 |
| Loan and lease loss provision to assets | -0.0098% | 8,200 |
| Net operating income to assets | 0.5157% | 4,663 |
| Return on assets (ROA) | 0.0798% | 5,999 |
| Pretax return on assets | -0.0268% | 6,183 |
| Return on Equity (ROE) | 0.6051% | 6,036 |
| Retained earnings to average equity (ytd only) | 0.6051% | 4,878 |
| Net charge-offs to loans | 0.2994% | 3,394 |
| Credit loss provision to net charge-offs | -5.0125% | 7,265 |
| Earnings coverage of net charge-offs (x) | 3.2882% | 4,443 |
| Efficiency ratio | 81.5003% | 2,374 |
| Assets per employee ($millions) | 3.8138% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 5,772 |
| Loan loss allowance to noncurrent loans | 71.6202% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.2488% | 3,728 |
| Noncurrent loans to loans | 1.4386% | 3,643 |
| Net loans and leases to total assets | 60.8001% | 5,793 |
| Net loans and leases to deposits | 97.7478% | 2,161 |
| Net loans and leases to core deposits | 111.7799% | 3,587 |
| Total domestic deposits to total assets | 62.2009% | 7,875 |
| Equity capital to assets | 12.5745% | 1,978 |
| Core capital (leverage) ratio | 12.2426% | 1,866 |
| Tier 1 risk-based capital ratio | 19.3202% | 1,743 |
| Total risk-based capital ratio | 20.5402% | 1,707 |
| Memoranda: | ||
| Average total assets | $407,130,600 | 1,668 |
| Average earning assets | $371,669,400 | 1,676 |
| Average equity | $53,709,200 | 1,257 |
| Average total loans | $266,524,200 | 1,791 |