Home > Southeastern Bank > Performance and Condition Ratios
Southeastern 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 | 5.4646% | 2,171 |
| Cost of funding earning assets | 0.8384% | 4,115 |
| Net interest margin | 4.6262% | 522 |
| Noninterest income to average assets | 0.5500% | 1,525 |
| Noninterest expense to average assets | 2.7017% | 1,749 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 1.6626% | 795 |
| Return on assets (ROA) | 1.6626% | 793 |
| Pretax return on assets | 2.1649% | 531 |
| Return on Equity (ROE) | 14.9000% | 1,090 |
| Retained earnings to average equity (ytd only) | 7.0488% | 1,970 |
| Net charge-offs to loans | -0.0980% | 4,387 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 55.2140% | 3,498 |
| Assets per employee ($millions) | 5.5026% | 3,323 |
| Cash dividends to net income (ytd only)* | 52.6903% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0898% | 345 |
| Loan loss allowance to noncurrent loans | 890.6652% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 2,706 |
| Noncurrent loans to loans | 0.2346% | 2,656 |
| Net loans and leases to total assets | 64.2500% | 2,473 |
| Net loans and leases to deposits | 73.0672% | 2,643 |
| Net loans and leases to core deposits | 74.7706% | 3,026 |
| Total domestic deposits to total assets | 87.9400% | 1,576 |
| Equity capital to assets | 11.3613% | 1,478 |
| Core capital (leverage) ratio | 12.6751% | 1,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $603,620,000 | 1,550 |
| Average earning assets | $566,341,000 | 1,534 |
| Average equity | $67,359,000 | 1,404 |
| Average total loans | $391,640,000 | 1,581 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3627% | 2,408 |
| Cost of funding earning assets | 0.6543% | 4,252 |
| Net interest margin | 4.7084% | 492 |
| Noninterest income to average assets | 0.5700% | 1,625 |
| Noninterest expense to average assets | 2.6818% | 1,788 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 1.7781% | 570 |
| Return on assets (ROA) | 1.7577% | 591 |
| Pretax return on assets | 2.2342% | 422 |
| Return on Equity (ROE) | 16.6300% | 711 |
| Retained earnings to average equity (ytd only) | 8.3982% | 984 |
| Net charge-offs to loans | -0.0253% | 4,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 53.6511% | 3,748 |
| Assets per employee ($millions) | 5.5737% | 3,234 |
| Cash dividends to net income (ytd only)* | 49.4991% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1149% | 309 |
| Loan loss allowance to noncurrent loans | 912.2905% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 2,677 |
| Noncurrent loans to loans | 0.2318% | 2,585 |
| Net loans and leases to total assets | 62.7800% | 2,687 |
| Net loans and leases to deposits | 71.1199% | 2,871 |
| Net loans and leases to core deposits | 72.7997% | 3,220 |
| Total domestic deposits to total assets | 88.2700% | 1,409 |
| Equity capital to assets | 10.9559% | 1,608 |
| Core capital (leverage) ratio | 12.6504% | 1,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $601,915,400 | 1,534 |
| Average earning assets | $565,646,000 | 1,511 |
| Average equity | $63,620,800 | 1,423 |
| Average total loans | $371,693,400 | 1,620 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3003% | 2,456 |
| Cost of funding earning assets | 0.6068% | 4,302 |
| Net interest margin | 4.6935% | 495 |
| Noninterest income to average assets | 0.5700% | 1,582 |
| Noninterest expense to average assets | 2.6657% | 1,766 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 1.7791% | 614 |
| Return on assets (ROA) | 1.7739% | 621 |
| Pretax return on assets | 2.2380% | 463 |
| Return on Equity (ROE) | 16.9400% | 691 |
| Retained earnings to average equity (ytd only) | 8.6294% | 1,220 |
| Net charge-offs to loans | -0.0319% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 53.4631% | 3,775 |
| Assets per employee ($millions) | 5.5373% | 3,242 |
| Cash dividends to net income (ytd only)* | 49.0509% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1167% | 325 |
| Loan loss allowance to noncurrent loans | 761.8114% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 2,514 |
| Noncurrent loans to loans | 0.2779% | 2,452 |
| Net loans and leases to total assets | 63.6800% | 2,566 |
| Net loans and leases to deposits | 73.0386% | 2,747 |
| Net loans and leases to core deposits | 73.6237% | 3,204 |
| Total domestic deposits to total assets | 87.1900% | 1,526 |
| Equity capital to assets | 11.3335% | 1,553 |
| Core capital (leverage) ratio | 12.5392% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $601,904,750 | 1,519 |
| Average earning assets | $566,045,500 | 1,507 |
| Average equity | $63,038,500 | 1,423 |
| Average total loans | $368,100,750 | 1,626 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1927% | 2,568 |
| Cost of funding earning assets | 0.5123% | 4,345 |
| Net interest margin | 4.6804% | 506 |
| Noninterest income to average assets | 0.5900% | 1,488 |
| Noninterest expense to average assets | 2.6600% | 1,784 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 1.7549% | 621 |
| Return on assets (ROA) | 1.7549% | 622 |
| Pretax return on assets | 2.2207% | 466 |
| Return on Equity (ROE) | 17.2200% | 695 |
| Retained earnings to average equity (ytd only) | 8.7241% | 1,160 |
| Net charge-offs to loans | 0.0232% | 1,694 |
| Credit loss provision to net charge-offs | 1,035.7143% | 389 |
| Earnings coverage of net charge-offs (x) | 168.0952% | 564 |
| Efficiency ratio | 53.2667% | 3,806 |
| Assets per employee ($millions) | 5.4598% | 3,262 |
| Cash dividends to net income (ytd only)* | 49.3313% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0997% | 339 |
| Loan loss allowance to noncurrent loans | 951.4354% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 2,662 |
| Noncurrent loans to loans | 0.2207% | 2,608 |
| Net loans and leases to total assets | 62.3200% | 2,730 |
| Net loans and leases to deposits | 72.6399% | 2,796 |
| Net loans and leases to core deposits | 72.8972% | 3,221 |
| Total domestic deposits to total assets | 85.7900% | 2,046 |
| Equity capital to assets | 10.5619% | 1,774 |
| Core capital (leverage) ratio | 12.3203% | 1,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $605,043,333 | 1,512 |
| Average earning assets | $569,179,333 | 1,497 |
| Average equity | $61,668,000 | 1,431 |
| Average total loans | $362,316,333 | 1,633 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1081% | 2,575 |
| Cost of funding earning assets | 0.4171% | 4,389 |
| Net interest margin | 4.6910% | 467 |
| Noninterest income to average assets | 0.6100% | 1,335 |
| Noninterest expense to average assets | 2.6137% | 1,930 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 1.8347% | 538 |
| Return on assets (ROA) | 1.8347% | 550 |
| Pretax return on assets | 2.3429% | 403 |
| Return on Equity (ROE) | 18.3300% | 577 |
| Retained earnings to average equity (ytd only) | 9.7521% | 1,162 |
| Net charge-offs to loans | 0.0316% | 1,247 |
| Credit loss provision to net charge-offs | 750.0000% | 397 |
| Earnings coverage of net charge-offs (x) | 131.3571% | 572 |
| Efficiency ratio | 52.0094% | 3,904 |
| Assets per employee ($millions) | 5.5925% | 3,179 |
| Cash dividends to net income (ytd only)* | 46.7834% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1521% | 301 |
| Loan loss allowance to noncurrent loans | 837.0811% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 2,586 |
| Noncurrent loans to loans | 0.2571% | 2,392 |
| Net loans and leases to total assets | 58.2900% | 3,030 |
| Net loans and leases to deposits | 65.2824% | 3,214 |
| Net loans and leases to core deposits | 65.6614% | 3,534 |
| Total domestic deposits to total assets | 89.2800% | 1,025 |
| Equity capital to assets | 10.1421% | 1,924 |
| Core capital (leverage) ratio | 11.9734% | 1,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $610,005,000 | 1,502 |
| Average earning assets | $574,463,000 | 1,488 |
| Average equity | $61,074,000 | 1,435 |
| Average total loans | $354,062,000 | 1,653 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6921% | 2,698 |
| Cost of funding earning assets | 0.2789% | 4,389 |
| Net interest margin | 4.4133% | 697 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.5870% | 2,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.8189% | 594 |
| Return on assets (ROA) | 1.6885% | 716 |
| Pretax return on assets | 2.1427% | 531 |
| Return on Equity (ROE) | 18.6300% | 745 |
| Retained earnings to average equity (ytd only) | 10.5877% | 883 |
| Net charge-offs to loans | -0.0077% | 3,948 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.8522% | 3,764 |
| Assets per employee ($millions) | 5.7038% | 3,066 |
| Cash dividends to net income (ytd only)* | 43.1640% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1706% | 292 |
| Loan loss allowance to noncurrent loans | 877.1462% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 2,542 |
| Noncurrent loans to loans | 0.2475% | 2,314 |
| Net loans and leases to total assets | 55.3200% | 3,250 |
| Net loans and leases to deposits | 61.7316% | 3,421 |
| Net loans and leases to core deposits | 62.0459% | 3,679 |
| Total domestic deposits to total assets | 89.6100% | 872 |
| Equity capital to assets | 9.8845% | 2,074 |
| Core capital (leverage) ratio | 11.8230% | 1,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $620,304,800 | 1,435 |
| Average earning assets | $578,798,400 | 1,423 |
| Average equity | $56,225,400 | 1,462 |
| Average total loans | $336,857,600 | 1,656 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 2,552 |
| Cost of funding earning assets | 0.2427% | 4,410 |
| Net interest margin | 4.4185% | 687 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.6386% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6503% | 862 |
| Return on assets (ROA) | 1.6503% | 853 |
| Pretax return on assets | 2.0893% | 668 |
| Return on Equity (ROE) | 18.6200% | 864 |
| Retained earnings to average equity (ytd only) | 10.4128% | 1,294 |
| Net charge-offs to loans | -0.0255% | 4,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.8092% | 3,414 |
| Assets per employee ($millions) | 5.4364% | 3,234 |
| Cash dividends to net income (ytd only)* | 44.0905% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2467% | 276 |
| Loan loss allowance to noncurrent loans | 984.3264% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 2,448 |
| Noncurrent loans to loans | 0.2283% | 2,436 |
| Net loans and leases to total assets | 55.7900% | 3,221 |
| Net loans and leases to deposits | 61.7753% | 3,414 |
| Net loans and leases to core deposits | 62.0583% | 3,612 |
| Total domestic deposits to total assets | 90.3200% | 855 |
| Equity capital to assets | 9.1520% | 2,324 |
| Core capital (leverage) ratio | 11.5887% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $621,377,250 | 1,434 |
| Average earning assets | $578,407,750 | 1,419 |
| Average equity | $55,059,250 | 1,478 |
| Average total loans | $333,988,750 | 1,665 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6183% | 2,382 |
| Cost of funding earning assets | 0.2099% | 4,423 |
| Net interest margin | 4.4084% | 699 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.4340% | 2,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7921% | 668 |
| Return on assets (ROA) | 1.7921% | 664 |
| Pretax return on assets | 2.2787% | 485 |
| Return on Equity (ROE) | 20.4400% | 665 |
| Retained earnings to average equity (ytd only) | 12.2635% | 940 |
| Net charge-offs to loans | -0.0421% | 4,330 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.6478% | 3,801 |
| Assets per employee ($millions) | 5.6565% | 3,015 |
| Cash dividends to net income (ytd only)* | 39.9894% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2755% | 277 |
| Loan loss allowance to noncurrent loans | 1,014.0000% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 2,406 |
| Noncurrent loans to loans | 0.2244% | 2,364 |
| Net loans and leases to total assets | 54.4700% | 3,237 |
| Net loans and leases to deposits | 60.4030% | 3,397 |
| Net loans and leases to core deposits | 60.6770% | 3,595 |
| Total domestic deposits to total assets | 90.1800% | 871 |
| Equity capital to assets | 9.3675% | 2,253 |
| Core capital (leverage) ratio | 11.1124% | 1,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $630,979,667 | 1,408 |
| Average earning assets | $586,061,333 | 1,408 |
| Average equity | $55,335,000 | 1,473 |
| Average total loans | $332,577,667 | 1,659 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 2,379 |
| Cost of funding earning assets | 0.1622% | 4,433 |
| Net interest margin | 4.3117% | 786 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.2899% | 2,841 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8476% | 622 |
| Return on assets (ROA) | 1.8476% | 610 |
| Pretax return on assets | 2.3338% | 457 |
| Return on Equity (ROE) | 21.7600% | 600 |
| Retained earnings to average equity (ytd only) | 13.5254% | 1,004 |
| Net charge-offs to loans | -0.0687% | 4,431 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.5251% | 3,979 |
| Assets per employee ($millions) | 5.8542% | 2,891 |
| Cash dividends to net income (ytd only)* | 37.8306% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2762% | 296 |
| Loan loss allowance to noncurrent loans | 1,148.9489% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 2,499 |
| Noncurrent loans to loans | 0.1981% | 2,482 |
| Net loans and leases to total assets | 52.4500% | 3,319 |
| Net loans and leases to deposits | 57.9979% | 3,453 |
| Net loans and leases to core deposits | 58.2483% | 3,616 |
| Total domestic deposits to total assets | 90.4300% | 1,001 |
| Equity capital to assets | 9.0462% | 2,479 |
| Core capital (leverage) ratio | 10.3150% | 2,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $646,673,500 | 1,405 |
| Average earning assets | $599,115,500 | 1,402 |
| Average equity | $54,919,000 | 1,494 |
| Average total loans | $331,758,500 | 1,680 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5953% | 2,819 |
| Cost of funding earning assets | 0.0695% | 4,509 |
| Net interest margin | 3.5258% | 1,850 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.1588% | 3,135 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3955% | 1,143 |
| Return on assets (ROA) | 1.3955% | 1,097 |
| Pretax return on assets | 1.7754% | 777 |
| Return on Equity (ROE) | 16.7400% | 907 |
| Retained earnings to average equity (ytd only) | 13.0093% | 514 |
| Net charge-offs to loans | 0.0164% | 1,790 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 234.7959% | 570 |
| Efficiency ratio | 54.8717% | 3,702 |
| Assets per employee ($millions) | 6.2920% | 2,520 |
| Cash dividends to net income (ytd only)* | 22.2935% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2114% | 302 |
| Loan loss allowance to noncurrent loans | 1,231.1224% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 2,627 |
| Noncurrent loans to loans | 0.1796% | 2,586 |
| Net loans and leases to total assets | 48.0000% | 3,666 |
| Net loans and leases to deposits | 52.3022% | 3,784 |
| Net loans and leases to core deposits | 52.6213% | 3,885 |
| Total domestic deposits to total assets | 91.7700% | 696 |
| Equity capital to assets | 7.9725% | 3,075 |
| Core capital (leverage) ratio | 9.8831% | 2,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $648,006,200 | 1,381 |
| Average earning assets | $602,809,600 | 1,385 |
| Average equity | $54,015,400 | 1,523 |
| Average total loans | $299,615,800 | 1,719 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3554% | 3,029 |
| Cost of funding earning assets | 0.0640% | 4,509 |
| Net interest margin | 3.2914% | 2,322 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.1423% | 3,095 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2896% | 1,387 |
| Return on assets (ROA) | 1.2896% | 1,358 |
| Pretax return on assets | 1.5978% | 1,124 |
| Return on Equity (ROE) | 15.3000% | 1,111 |
| Retained earnings to average equity (ytd only) | 11.5809% | 896 |
| Net charge-offs to loans | 0.0073% | 1,874 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 481.8125% | 321 |
| Efficiency ratio | 57.2790% | 3,477 |
| Assets per employee ($millions) | 5.9467% | 2,813 |
| Cash dividends to net income (ytd only)* | 24.3009% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4566% | 243 |
| Loan loss allowance to noncurrent loans | 1,034.4239% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 2,573 |
| Noncurrent loans to loans | 0.2375% | 2,439 |
| Net loans and leases to total assets | 45.3800% | 3,799 |
| Net loans and leases to deposits | 49.4030% | 3,891 |
| Net loans and leases to core deposits | 49.6973% | 3,971 |
| Total domestic deposits to total assets | 91.8600% | 923 |
| Equity capital to assets | 7.8383% | 2,996 |
| Core capital (leverage) ratio | 9.5276% | 3,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $643,270,000 | 1,396 |
| Average earning assets | $600,415,000 | 1,390 |
| Average equity | $54,226,000 | 1,530 |
| Average total loans | $292,683,250 | 1,750 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1332% | 3,231 |
| Cost of funding earning assets | 0.0638% | 4,499 |
| Net interest margin | 3.0694% | 2,651 |
| Noninterest income to average assets | 0.6252% | 1,633 |
| Noninterest expense to average assets | 2.0579% | 3,268 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1292% | 1,667 |
| Return on assets (ROA) | 1.1292% | 1,643 |
| Pretax return on assets | 1.4275% | 1,368 |
| Return on Equity (ROE) | 13.0935% | 1,362 |
| Retained earnings to average equity (ytd only) | 9.4726% | 1,146 |
| Net charge-offs to loans | -0.0027% | 3,187 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0436% | 3,436 |
| Assets per employee ($millions) | 6.3014% | 2,480 |
| Cash dividends to net income (ytd only)* | 27.6543% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5487% | 242 |
| Loan loss allowance to noncurrent loans | 1,585.2174% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 2,658 |
| Noncurrent loans to loans | 0.1608% | 2,892 |
| Net loans and leases to total assets | 42.5448% | 3,936 |
| Net loans and leases to deposits | 46.3561% | 4,012 |
| Net loans and leases to core deposits | 46.7139% | 4,095 |
| Total domestic deposits to total assets | 91.7782% | 935 |
| Equity capital to assets | 8.0027% | 3,123 |
| Core capital (leverage) ratio | 9.3118% | 3,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $645,594,667 | 1,393 |
| Average earning assets | $601,615,000 | 1,401 |
| Average equity | $55,676,333 | 1,529 |
| Average total loans | $291,570,333 | 1,749 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0338% | 3,153 |
| Cost of funding earning assets | 0.0643% | 4,497 |
| Net interest margin | 2.9695% | 2,599 |
| Noninterest income to average assets | 0.6255% | 1,585 |
| Noninterest expense to average assets | 2.0296% | 3,353 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0775% | 1,597 |
| Return on assets (ROA) | 1.0775% | 1,592 |
| Pretax return on assets | 1.3616% | 1,352 |
| Return on Equity (ROE) | 12.0505% | 1,300 |
| Retained earnings to average equity (ytd only) | 8.5317% | 1,414 |
| Net charge-offs to loans | -0.0177% | 3,849 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8490% | 3,498 |
| Assets per employee ($millions) | 6.4461% | 2,422 |
| Cash dividends to net income (ytd only)* | 29.2005% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4819% | 290 |
| Loan loss allowance to noncurrent loans | 1,409.4595% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 2,663 |
| Noncurrent loans to loans | 0.1761% | 2,940 |
| Net loans and leases to total assets | 44.5020% | 3,704 |
| Net loans and leases to deposits | 48.7976% | 3,830 |
| Net loans and leases to core deposits | 49.1824% | 3,913 |
| Total domestic deposits to total assets | 91.1971% | 934 |
| Equity capital to assets | 8.5740% | 3,102 |
| Core capital (leverage) ratio | 9.2311% | 3,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $640,719,500 | 1,411 |
| Average earning assets | $596,743,500 | 1,420 |
| Average equity | $57,292,000 | 1,540 |
| Average total loans | $294,302,000 | 1,720 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2913% | 3,238 |
| Cost of funding earning assets | 0.0725% | 4,569 |
| Net interest margin | 3.2188% | 2,561 |
| Noninterest income to average assets | 0.7178% | 1,697 |
| Noninterest expense to average assets | 2.2419% | 2,963 |
| Loan and lease loss provision to assets | -0.1455% | 4,622 |
| Net operating income to assets | 1.2888% | 1,633 |
| Return on assets (ROA) | 1.2888% | 1,684 |
| Pretax return on assets | 1.6239% | 1,359 |
| Return on Equity (ROE) | 12.9546% | 1,483 |
| Retained earnings to average equity (ytd only) | 8.0394% | 1,524 |
| Net charge-offs to loans | -0.5253% | 4,785 |
| Credit loss provision to net charge-offs | 58.4192% | 2,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2613% | 3,110 |
| Assets per employee ($millions) | 6.1828% | 2,586 |
| Cash dividends to net income (ytd only)* | 37.9416% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4752% | 291 |
| Loan loss allowance to noncurrent loans | 1,409.6712% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 2,624 |
| Noncurrent loans to loans | 0.1756% | 3,071 |
| Net loans and leases to total assets | 45.0907% | 3,757 |
| Net loans and leases to deposits | 49.8323% | 3,899 |
| Net loans and leases to core deposits | 50.2119% | 4,007 |
| Total domestic deposits to total assets | 90.4849% | 728 |
| Equity capital to assets | 9.3141% | 3,305 |
| Core capital (leverage) ratio | 9.5916% | 2,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $584,278,800 | 1,487 |
| Average earning assets | $545,014,400 | 1,482 |
| Average equity | $58,126,000 | 1,552 |
| Average total loans | $276,959,600 | 1,806 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3435% | 3,267 |
| Cost of funding earning assets | 0.0745% | 4,666 |
| Net interest margin | 3.2690% | 2,515 |
| Noninterest income to average assets | 0.6961% | 1,833 |
| Noninterest expense to average assets | 2.2163% | 3,018 |
| Loan and lease loss provision to assets | -0.1984% | 4,750 |
| Net operating income to assets | 1.3944% | 1,568 |
| Return on assets (ROA) | 1.3944% | 1,626 |
| Pretax return on assets | 1.7291% | 1,339 |
| Return on Equity (ROE) | 13.7714% | 1,457 |
| Retained earnings to average equity (ytd only) | 8.8305% | 1,758 |
| Net charge-offs to loans | -0.7200% | 4,857 |
| Credit loss provision to net charge-offs | 57.7446% | 1,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1490% | 3,105 |
| Assets per employee ($millions) | 5.7215% | 2,968 |
| Cash dividends to net income (ytd only)* | 35.8781% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5887% | 249 |
| Loan loss allowance to noncurrent loans | 1,525.0522% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 2,915 |
| Noncurrent loans to loans | 0.1697% | 3,270 |
| Net loans and leases to total assets | 46.1953% | 3,777 |
| Net loans and leases to deposits | 51.4127% | 3,928 |
| Net loans and leases to core deposits | 51.8351% | 4,049 |
| Total domestic deposits to total assets | 89.8519% | 835 |
| Equity capital to assets | 9.9572% | 2,941 |
| Core capital (leverage) ratio | 9.8286% | 2,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $571,141,000 | 1,528 |
| Average earning assets | $533,034,750 | 1,526 |
| Average equity | $57,828,750 | 1,588 |
| Average total loans | $272,589,750 | 1,857 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3155% | 3,383 |
| Cost of funding earning assets | 0.0766% | 4,713 |
| Net interest margin | 3.2389% | 2,641 |
| Noninterest income to average assets | 0.7142% | 1,753 |
| Noninterest expense to average assets | 2.2220% | 3,011 |
| Loan and lease loss provision to assets | -0.3019% | 4,837 |
| Net operating income to assets | 1.4599% | 1,399 |
| Return on assets (ROA) | 1.4599% | 1,461 |
| Pretax return on assets | 1.8126% | 1,206 |
| Return on Equity (ROE) | 14.3352% | 1,324 |
| Retained earnings to average equity (ytd only) | 9.3522% | 1,601 |
| Net charge-offs to loans | -1.0995% | 4,899 |
| Credit loss provision to net charge-offs | 57.3937% | 1,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5281% | 3,078 |
| Assets per employee ($millions) | 5.4854% | 3,139 |
| Cash dividends to net income (ytd only)* | 34.7604% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6884% | 217 |
| Loan loss allowance to noncurrent loans | 1,625.3333% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 3,076 |
| Noncurrent loans to loans | 0.1654% | 3,385 |
| Net loans and leases to total assets | 45.1058% | 3,967 |
| Net loans and leases to deposits | 50.1791% | 4,097 |
| Net loans and leases to core deposits | 50.5970% | 4,209 |
| Total domestic deposits to total assets | 89.8896% | 830 |
| Equity capital to assets | 9.9535% | 2,889 |
| Core capital (leverage) ratio | 9.8886% | 2,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $563,176,333 | 1,541 |
| Average earning assets | $524,874,000 | 1,537 |
| Average equity | $57,355,333 | 1,591 |
| Average total loans | $269,392,000 | 1,880 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3844% | 3,244 |
| Cost of funding earning assets | 0.0810% | 4,742 |
| Net interest margin | 3.3034% | 2,383 |
| Noninterest income to average assets | 0.7364% | 1,758 |
| Noninterest expense to average assets | 2.2413% | 2,969 |
| Loan and lease loss provision to assets | -0.6167% | 4,938 |
| Net operating income to assets | 1.7566% | 848 |
| Return on assets (ROA) | 1.7566% | 899 |
| Pretax return on assets | 2.1883% | 704 |
| Return on Equity (ROE) | 17.0425% | 841 |
| Retained earnings to average equity (ytd only) | 12.0164% | 1,143 |
| Net charge-offs to loans | -2.1906% | 4,929 |
| Credit loss provision to net charge-offs | 57.9019% | 1,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7821% | 3,191 |
| Assets per employee ($millions) | 5.2309% | 3,398 |
| Cash dividends to net income (ytd only)* | 29.4919% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6887% | 202 |
| Loan loss allowance to noncurrent loans | 958.1365% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 2,871 |
| Noncurrent loans to loans | 0.2806% | 3,093 |
| Net loans and leases to total assets | 46.7748% | 3,906 |
| Net loans and leases to deposits | 52.2042% | 4,035 |
| Net loans and leases to core deposits | 52.5670% | 4,170 |
| Total domestic deposits to total assets | 89.5998% | 1,019 |
| Equity capital to assets | 10.1370% | 2,569 |
| Core capital (leverage) ratio | 10.3572% | 2,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $551,293,500 | 1,557 |
| Average earning assets | $513,413,500 | 1,552 |
| Average equity | $56,822,500 | 1,588 |
| Average total loans | $268,058,500 | 1,885 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9139% | 2,987 |
| Cost of funding earning assets | 0.1476% | 4,734 |
| Net interest margin | 3.7663% | 1,599 |
| Noninterest income to average assets | 0.7312% | 1,739 |
| Noninterest expense to average assets | 2.5219% | 2,778 |
| Loan and lease loss provision to assets | 0.2399% | 1,624 |
| Net operating income to assets | 1.1623% | 1,676 |
| Return on assets (ROA) | 1.1667% | 1,777 |
| Pretax return on assets | 1.4546% | 1,491 |
| Return on Equity (ROE) | 10.4634% | 1,823 |
| Retained earnings to average equity (ytd only) | 4.3766% | 2,604 |
| Net charge-offs to loans | -0.4171% | 4,944 |
| Credit loss provision to net charge-offs | -109.6082% | 3,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8894% | 3,474 |
| Assets per employee ($millions) | 4.9783% | 3,413 |
| Cash dividends to net income (ytd only)* | 58.1729% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5260% | 255 |
| Loan loss allowance to noncurrent loans | 700.5241% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 2,376 |
| Noncurrent loans to loans | 0.3606% | 2,904 |
| Net loans and leases to total assets | 47.9651% | 3,978 |
| Net loans and leases to deposits | 53.6988% | 4,127 |
| Net loans and leases to core deposits | 54.0920% | 4,253 |
| Total domestic deposits to total assets | 89.3225% | 845 |
| Equity capital to assets | 10.4859% | 2,686 |
| Core capital (leverage) ratio | 10.6659% | 2,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $489,754,200 | 1,586 |
| Average earning assets | $452,485,600 | 1,589 |
| Average equity | $54,609,200 | 1,569 |
| Average total loans | $257,028,400 | 1,884 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 3,172 |
| Cost of funding earning assets | 0.1658% | 4,761 |
| Net interest margin | 3.7613% | 1,731 |
| Noninterest income to average assets | 0.7253% | 1,718 |
| Noninterest expense to average assets | 2.5794% | 2,603 |
| Loan and lease loss provision to assets | 0.2093% | 1,919 |
| Net operating income to assets | 1.1344% | 1,865 |
| Return on assets (ROA) | 1.1347% | 1,990 |
| Pretax return on assets | 1.4059% | 1,714 |
| Return on Equity (ROE) | 10.0083% | 2,019 |
| Retained earnings to average equity (ytd only) | 3.8719% | 3,108 |
| Net charge-offs to loans | -0.4536% | 4,968 |
| Credit loss provision to net charge-offs | -86.4055% | 3,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4970% | 3,148 |
| Assets per employee ($millions) | 4.6779% | 3,627 |
| Cash dividends to net income (ytd only)* | 61.3133% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2349% | 330 |
| Loan loss allowance to noncurrent loans | 590.6341% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 2,300 |
| Noncurrent loans to loans | 0.3784% | 2,931 |
| Net loans and leases to total assets | 52.9096% | 3,899 |
| Net loans and leases to deposits | 60.5675% | 4,020 |
| Net loans and leases to core deposits | 61.0550% | 4,153 |
| Total domestic deposits to total assets | 87.3563% | 1,522 |
| Equity capital to assets | 11.1916% | 2,237 |
| Core capital (leverage) ratio | 10.6606% | 2,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $477,779,000 | 1,593 |
| Average earning assets | $440,653,500 | 1,604 |
| Average equity | $54,167,000 | 1,570 |
| Average total loans | $255,143,000 | 1,893 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 3,259 |
| Cost of funding earning assets | 0.1856% | 4,797 |
| Net interest margin | 3.8392% | 1,715 |
| Noninterest income to average assets | 0.7044% | 1,721 |
| Noninterest expense to average assets | 2.6108% | 2,631 |
| Loan and lease loss provision to assets | 0.2552% | 1,659 |
| Net operating income to assets | 1.1090% | 1,941 |
| Return on assets (ROA) | 1.1093% | 2,060 |
| Pretax return on assets | 1.3756% | 1,784 |
| Return on Equity (ROE) | 9.7404% | 2,071 |
| Retained earnings to average equity (ytd only) | 3.5331% | 3,159 |
| Net charge-offs to loans | -0.7403% | 5,016 |
| Credit loss provision to net charge-offs | -64.8649% | 3,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5585% | 3,192 |
| Assets per employee ($millions) | 4.5808% | 3,677 |
| Cash dividends to net income (ytd only)* | 63.7270% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1996% | 334 |
| Loan loss allowance to noncurrent loans | 616.4426% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 2,371 |
| Noncurrent loans to loans | 0.3568% | 3,122 |
| Net loans and leases to total assets | 52.1249% | 4,021 |
| Net loans and leases to deposits | 60.3066% | 4,100 |
| Net loans and leases to core deposits | 60.8943% | 4,215 |
| Total domestic deposits to total assets | 86.4331% | 1,828 |
| Equity capital to assets | 10.8603% | 2,454 |
| Core capital (leverage) ratio | 10.8031% | 2,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $470,193,667 | 1,583 |
| Average earning assets | $433,161,333 | 1,601 |
| Average equity | $53,550,000 | 1,570 |
| Average total loans | $249,895,667 | 1,904 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2890% | 2,959 |
| Cost of funding earning assets | 0.2240% | 4,830 |
| Net interest margin | 4.0650% | 1,210 |
| Noninterest income to average assets | 0.7405% | 1,496 |
| Noninterest expense to average assets | 2.7376% | 2,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3933% | 1,004 |
| Return on assets (ROA) | 1.3941% | 1,079 |
| Pretax return on assets | 1.7381% | 800 |
| Return on Equity (ROE) | 11.9284% | 1,122 |
| Retained earnings to average equity (ytd only) | 5.6227% | 2,025 |
| Net charge-offs to loans | -1.2401% | 5,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1772% | 3,592 |
| Assets per employee ($millions) | 4.0994% | 3,785 |
| Cash dividends to net income (ytd only)* | 52.8626% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1576% | 402 |
| Loan loss allowance to noncurrent loans | 710.2881% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 2,471 |
| Noncurrent loans to loans | 0.3038% | 3,410 |
| Net loans and leases to total assets | 52.5504% | 4,089 |
| Net loans and leases to deposits | 59.8906% | 4,203 |
| Net loans and leases to core deposits | 60.4102% | 4,336 |
| Total domestic deposits to total assets | 87.7439% | 1,212 |
| Equity capital to assets | 11.9228% | 2,127 |
| Core capital (leverage) ratio | 11.8345% | 1,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $451,057,000 | 1,607 |
| Average earning assets | $414,366,000 | 1,624 |
| Average equity | $52,714,500 | 1,582 |
| Average total loans | $239,344,000 | 1,930 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 2,907 |
| Cost of funding earning assets | 0.2558% | 4,837 |
| Net interest margin | 4.2548% | 1,194 |
| Noninterest income to average assets | 0.8423% | 1,320 |
| Noninterest expense to average assets | 2.8779% | 2,359 |
| Loan and lease loss provision to assets | -0.0872% | 5,062 |
| Net operating income to assets | 1.5547% | 933 |
| Return on assets (ROA) | 1.5458% | 1,010 |
| Pretax return on assets | 1.9340% | 689 |
| Return on Equity (ROE) | 12.3414% | 1,386 |
| Retained earnings to average equity (ytd only) | -3.1016% | 4,915 |
| Net charge-offs to loans | -0.4490% | 5,118 |
| Credit loss provision to net charge-offs | 37.2024% | 3,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7678% | 3,572 |
| Assets per employee ($millions) | 4.1769% | 3,659 |
| Cash dividends to net income (ytd only)* | 125.1316% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8584% | 596 |
| Loan loss allowance to noncurrent loans | 259.5670% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 1,786 |
| Noncurrent loans to loans | 0.7160% | 2,087 |
| Net loans and leases to total assets | 51.4543% | 4,260 |
| Net loans and leases to deposits | 58.3014% | 4,360 |
| Net loans and leases to core deposits | 58.8323% | 4,490 |
| Total domestic deposits to total assets | 88.2556% | 999 |
| Equity capital to assets | 11.4553% | 2,568 |
| Core capital (leverage) ratio | 11.9825% | 1,794 |
| Tier 1 risk-based capital ratio | 18.7217% | 1,584 |
| Total risk-based capital ratio | 19.9764% | 1,547 |
| Memoranda: | ||
| Average total assets | $430,136,000 | 1,629 |
| Average earning assets | $393,627,800 | 1,654 |
| Average equity | $53,875,600 | 1,498 |
| Average total loans | $224,511,200 | 1,992 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 2,727 |
| Cost of funding earning assets | 0.2565% | 4,909 |
| Net interest margin | 4.3418% | 1,073 |
| Noninterest income to average assets | 0.8449% | 1,291 |
| Noninterest expense to average assets | 2.9173% | 2,204 |
| Loan and lease loss provision to assets | -0.1180% | 5,177 |
| Net operating income to assets | 1.6115% | 907 |
| Return on assets (ROA) | 1.6052% | 959 |
| Pretax return on assets | 2.0047% | 676 |
| Return on Equity (ROE) | 12.5287% | 1,431 |
| Retained earnings to average equity (ytd only) | 6.2189% | 2,275 |
| Net charge-offs to loans | -0.6468% | 5,204 |
| Credit loss provision to net charge-offs | 34.9813% | 2,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6263% | 3,523 |
| Assets per employee ($millions) | 3.8280% | 4,132 |
| Cash dividends to net income (ytd only)* | 50.3625% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9467% | 513 |
| Loan loss allowance to noncurrent loans | 356.0127% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.7450% | 1,845 |
| Noncurrent loans to loans | 0.5468% | 2,659 |
| Net loans and leases to total assets | 53.8282% | 4,195 |
| Net loans and leases to deposits | 62.4735% | 4,262 |
| Net loans and leases to core deposits | 63.0648% | 4,422 |
| Total domestic deposits to total assets | 86.1617% | 1,919 |
| Equity capital to assets | 13.4897% | 1,372 |
| Core capital (leverage) ratio | 13.2010% | 1,256 |
| Tier 1 risk-based capital ratio | 20.7996% | 1,216 |
| Total risk-based capital ratio | 22.0551% | 1,189 |
| Memoranda: | ||
| Average total assets | $423,849,500 | 1,662 |
| Average earning assets | $387,267,750 | 1,685 |
| Average equity | $54,306,000 | 1,485 |
| Average total loans | $220,964,500 | 2,033 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 2,891 |
| Cost of funding earning assets | 0.2494% | 4,960 |
| Net interest margin | 4.2886% | 1,170 |
| Noninterest income to average assets | 0.8480% | 1,211 |
| Noninterest expense to average assets | 2.8985% | 2,287 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4973% | 1,159 |
| Return on assets (ROA) | 1.4879% | 1,227 |
| Pretax return on assets | 1.8570% | 923 |
| Return on Equity (ROE) | 11.8189% | 1,655 |
| Retained earnings to average equity (ytd only) | 5.4120% | 2,567 |
| Net charge-offs to loans | -0.5396% | 5,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8000% | 3,613 |
| Assets per employee ($millions) | 3.8242% | 4,092 |
| Cash dividends to net income (ytd only)* | 54.2089% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9403% | 526 |
| Loan loss allowance to noncurrent loans | 335.6269% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 1,841 |
| Noncurrent loans to loans | 0.5781% | 2,527 |
| Net loans and leases to total assets | 51.8016% | 4,365 |
| Net loans and leases to deposits | 59.6595% | 4,450 |
| Net loans and leases to core deposits | 60.3326% | 4,561 |
| Total domestic deposits to total assets | 86.8288% | 1,673 |
| Equity capital to assets | 12.9116% | 1,631 |
| Core capital (leverage) ratio | 12.8429% | 1,379 |
| Tier 1 risk-based capital ratio | 20.6099% | 1,232 |
| Total risk-based capital ratio | 21.8654% | 1,203 |
| Memoranda: | ||
| Average total assets | $424,771,330 | 1,656 |
| Average earning assets | $388,190,330 | 1,689 |
| Average equity | $53,473,670 | 1,501 |
| Average total loans | $217,565,330 | 2,061 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4710% | 2,968 |
| Cost of funding earning assets | 0.2443% | 4,995 |
| Net interest margin | 4.2268% | 1,246 |
| Noninterest income to average assets | 0.9002% | 1,039 |
| Noninterest expense to average assets | 2.8955% | 2,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4956% | 1,123 |
| Return on assets (ROA) | 1.4827% | 1,171 |
| Pretax return on assets | 1.8506% | 872 |
| Return on Equity (ROE) | 11.9330% | 1,558 |
| Retained earnings to average equity (ytd only) | 5.4110% | 2,730 |
| Net charge-offs to loans | -1.0412% | 5,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8022% | 3,702 |
| Assets per employee ($millions) | 3.8451% | 4,126 |
| Cash dividends to net income (ytd only)* | 54.6556% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0254% | 476 |
| Loan loss allowance to noncurrent loans | 350.8857% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.7645% | 1,840 |
| Noncurrent loans to loans | 0.5772% | 2,599 |
| Net loans and leases to total assets | 49.3917% | 4,506 |
| Net loans and leases to deposits | 56.6017% | 4,568 |
| Net loans and leases to core deposits | 57.3195% | 4,665 |
| Total domestic deposits to total assets | 87.2618% | 1,681 |
| Equity capital to assets | 12.5025% | 1,736 |
| Core capital (leverage) ratio | 12.6344% | 1,438 |
| Tier 1 risk-based capital ratio | 21.0418% | 1,161 |
| Total risk-based capital ratio | 22.2990% | 1,137 |
| Memoranda: | ||
| Average total assets | $423,004,500 | 1,670 |
| Average earning assets | $386,487,000 | 1,704 |
| Average equity | $52,560,000 | 1,511 |
| Average total loans | $213,218,500 | 2,111 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1779% | 3,503 |
| Cost of funding earning assets | 0.1945% | 5,027 |
| Net interest margin | 3.9834% | 2,046 |
| Noninterest income to average assets | 1.1075% | 749 |
| Noninterest expense to average assets | 2.7288% | 2,934 |
| Loan and lease loss provision to assets | 0.0280% | 3,615 |
| Net operating income to assets | 1.5986% | 871 |
| Return on assets (ROA) | 1.5982% | 860 |
| Pretax return on assets | 1.9804% | 585 |
| Return on Equity (ROE) | 14.1199% | 1,021 |
| Retained earnings to average equity (ytd only) | 11.0953% | 416 |
| Net charge-offs to loans | -0.1908% | 5,260 |
| Credit loss provision to net charge-offs | -30.8483% | 4,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5978% | 4,202 |
| Assets per employee ($millions) | 3.8459% | 4,107 |
| Cash dividends to net income (ytd only)* | 21.4213% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 678 |
| Loan loss allowance to noncurrent loans | 289.4216% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.7920% | 1,764 |
| Noncurrent loans to loans | 0.6220% | 2,424 |
| Net loans and leases to total assets | 49.4914% | 4,559 |
| Net loans and leases to deposits | 56.6419% | 4,639 |
| Net loans and leases to core deposits | 57.7634% | 4,711 |
| Total domestic deposits to total assets | 87.3759% | 1,593 |
| Equity capital to assets | 12.3469% | 1,667 |
| Core capital (leverage) ratio | 12.2616% | 1,580 |
| Tier 1 risk-based capital ratio | 20.5851% | 1,210 |
| Total risk-based capital ratio | 21.8409% | 1,184 |
| Memoranda: | ||
| Average total assets | $428,795,600 | 1,596 |
| Average earning assets | $390,770,600 | 1,620 |
| Average equity | $48,534,200 | 1,555 |
| Average total loans | $203,925,600 | 2,145 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0859% | 3,681 |
| Cost of funding earning assets | 0.1825% | 5,085 |
| Net interest margin | 3.9034% | 2,287 |
| Noninterest income to average assets | 0.9626% | 1,030 |
| Noninterest expense to average assets | 2.6765% | 3,043 |
| Loan and lease loss provision to assets | 0.0371% | 3,264 |
| Net operating income to assets | 1.4491% | 1,327 |
| Return on assets (ROA) | 1.4487% | 1,333 |
| Pretax return on assets | 1.8058% | 1,000 |
| Return on Equity (ROE) | 13.0877% | 1,396 |
| Retained earnings to average equity (ytd only) | 10.0120% | 921 |
| Net charge-offs to loans | -0.1795% | 5,280 |
| Credit loss provision to net charge-offs | -44.1176% | 4,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2147% | 3,931 |
| Assets per employee ($millions) | 3.9352% | 3,992 |
| Cash dividends to net income (ytd only)* | 23.5005% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7673% | 771 |
| Loan loss allowance to noncurrent loans | 210.6286% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 1.4748% | 876 |
| Noncurrent loans to loans | 0.8390% | 2,027 |
| Net loans and leases to total assets | 48.6584% | 4,682 |
| Net loans and leases to deposits | 55.2741% | 4,778 |
| Net loans and leases to core deposits | 56.4669% | 4,836 |
| Total domestic deposits to total assets | 88.0311% | 1,227 |
| Equity capital to assets | 11.6098% | 2,174 |
| Core capital (leverage) ratio | 12.0693% | 1,747 |
| Tier 1 risk-based capital ratio | 19.8908% | 1,358 |
| Total risk-based capital ratio | 21.1438% | 1,323 |
| Memoranda: | ||
| Average total assets | $431,195,000 | 1,602 |
| Average earning assets | $392,979,250 | 1,622 |
| Average equity | $47,728,250 | 1,579 |
| Average total loans | $202,089,500 | 2,167 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9967% | 3,794 |
| Cost of funding earning assets | 0.1781% | 5,116 |
| Net interest margin | 3.8186% | 2,506 |
| Noninterest income to average assets | 1.0014% | 962 |
| Noninterest expense to average assets | 2.6205% | 3,263 |
| Loan and lease loss provision to assets | 0.0552% | 2,800 |
| Net operating income to assets | 1.4525% | 1,270 |
| Return on assets (ROA) | 1.4525% | 1,269 |
| Pretax return on assets | 1.8087% | 942 |
| Return on Equity (ROE) | 13.3326% | 1,255 |
| Retained earnings to average equity (ytd only) | 10.2318% | 861 |
| Net charge-offs to loans | 0.0040% | 3,036 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 1,012.5000% | 78 |
| Efficiency ratio | 58.4360% | 4,164 |
| Assets per employee ($millions) | 4.0418% | 3,827 |
| Cash dividends to net income (ytd only)* | 23.2573% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 976 |
| Loan loss allowance to noncurrent loans | 195.8644% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 1.4350% | 943 |
| Noncurrent loans to loans | 0.8475% | 2,027 |
| Net loans and leases to total assets | 46.7128% | 4,784 |
| Net loans and leases to deposits | 52.7042% | 4,891 |
| Net loans and leases to core deposits | 53.8024% | 4,943 |
| Total domestic deposits to total assets | 88.6320% | 1,080 |
| Equity capital to assets | 11.1048% | 2,538 |
| Core capital (leverage) ratio | 11.4764% | 2,091 |
| Tier 1 risk-based capital ratio | 19.3820% | 1,459 |
| Total risk-based capital ratio | 20.6344% | 1,419 |
| Memoranda: | ||
| Average total assets | $434,570,670 | 1,597 |
| Average earning assets | $396,376,670 | 1,619 |
| Average equity | $47,342,670 | 1,595 |
| Average total loans | $199,929,000 | 2,187 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8659% | 4,031 |
| Cost of funding earning assets | 0.1813% | 5,112 |
| Net interest margin | 3.6846% | 2,860 |
| Noninterest income to average assets | 0.9430% | 1,040 |
| Noninterest expense to average assets | 2.5536% | 3,484 |
| Loan and lease loss provision to assets | 0.0643% | 2,485 |
| Net operating income to assets | 1.3544% | 1,465 |
| Return on assets (ROA) | 1.3544% | 1,479 |
| Pretax return on assets | 1.6840% | 1,158 |
| Return on Equity (ROE) | 12.5528% | 1,394 |
| Retained earnings to average equity (ytd only) | 9.4295% | 1,318 |
| Net charge-offs to loans | -0.0953% | 5,187 |
| Credit loss provision to net charge-offs | -148.9362% | 3,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3597% | 4,157 |
| Assets per employee ($millions) | 4.1995% | 3,653 |
| Cash dividends to net income (ytd only)* | 24.8814% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7111% | 924 |
| Loan loss allowance to noncurrent loans | 178.6799% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 1.4975% | 927 |
| Noncurrent loans to loans | 0.9577% | 1,909 |
| Net loans and leases to total assets | 44.4344% | 4,876 |
| Net loans and leases to deposits | 49.8566% | 4,964 |
| Net loans and leases to core deposits | 50.9650% | 5,013 |
| Total domestic deposits to total assets | 89.1245% | 1,038 |
| Equity capital to assets | 10.6503% | 2,924 |
| Core capital (leverage) ratio | 11.0750% | 2,355 |
| Tier 1 risk-based capital ratio | 19.2585% | 1,488 |
| Total risk-based capital ratio | 20.5109% | 1,451 |
| Memoranda: | ||
| Average total assets | $435,621,000 | 1,604 |
| Average earning assets | $397,116,000 | 1,625 |
| Average equity | $47,001,500 | 1,611 |
| Average total loans | $197,179,000 | 2,214 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8351% | 3,930 |
| Cost of funding earning assets | 0.1790% | 5,099 |
| Net interest margin | 3.6561% | 2,966 |
| Noninterest income to average assets | 0.8301% | 1,465 |
| Noninterest expense to average assets | 2.6191% | 3,382 |
| Loan and lease loss provision to assets | -0.1303% | 5,517 |
| Net operating income to assets | 0.6971% | 3,616 |
| Return on assets (ROA) | 0.6960% | 3,672 |
| Pretax return on assets | 1.6555% | 1,137 |
| Return on Equity (ROE) | 6.2056% | 3,676 |
| Retained earnings to average equity (ytd only) | 2.0960% | 4,064 |
| Net charge-offs to loans | -0.1113% | 5,395 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1723% | 3,741 |
| Assets per employee ($millions) | 4.0594% | 3,868 |
| Cash dividends to net income (ytd only)* | 66.2240% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 965 |
| Loan loss allowance to noncurrent loans | 174.3780% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 1.7258% | 736 |
| Noncurrent loans to loans | 0.9686% | 1,826 |
| Net loans and leases to total assets | 44.5556% | 4,950 |
| Net loans and leases to deposits | 50.2154% | 5,054 |
| Net loans and leases to core deposits | 51.5709% | 5,081 |
| Total domestic deposits to total assets | 88.7290% | 1,128 |
| Equity capital to assets | 10.9322% | 2,701 |
| Core capital (leverage) ratio | 11.1233% | 2,222 |
| Tier 1 risk-based capital ratio | 18.9820% | 1,507 |
| Total risk-based capital ratio | 20.2355% | 1,468 |
| Memoranda: | ||
| Average total assets | $421,983,000 | 1,628 |
| Average earning assets | $382,699,600 | 1,660 |
| Average equity | $47,328,000 | 1,588 |
| Average total loans | $197,735,000 | 2,174 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8486% | 3,834 |
| Cost of funding earning assets | 0.1768% | 5,152 |
| Net interest margin | 3.6719% | 2,855 |
| Noninterest income to average assets | 0.9643% | 1,108 |
| Noninterest expense to average assets | 2.6224% | 3,344 |
| Loan and lease loss provision to assets | -0.0318% | 5,495 |
| Net operating income to assets | 1.1684% | 1,803 |
| Return on assets (ROA) | 1.1669% | 1,858 |
| Pretax return on assets | 1.7019% | 1,118 |
| Return on Equity (ROE) | 10.3374% | 1,971 |
| Retained earnings to average equity (ytd only) | 6.3290% | 2,043 |
| Net charge-offs to loans | -0.2050% | 5,549 |
| Credit loss provision to net charge-offs | 32.7869% | 3,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0602% | 4,033 |
| Assets per employee ($millions) | 3.8236% | 4,275 |
| Cash dividends to net income (ytd only)* | 38.7754% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9492% | 630 |
| Loan loss allowance to noncurrent loans | 150.1569% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 1.9601% | 669 |
| Noncurrent loans to loans | 1.2981% | 1,473 |
| Net loans and leases to total assets | 46.2144% | 4,925 |
| Net loans and leases to deposits | 52.5816% | 5,022 |
| Net loans and leases to core deposits | 54.0242% | 5,071 |
| Total domestic deposits to total assets | 87.8909% | 1,425 |
| Equity capital to assets | 11.6859% | 2,201 |
| Core capital (leverage) ratio | 11.5027% | 2,015 |
| Tier 1 risk-based capital ratio | 18.6962% | 1,679 |
| Total risk-based capital ratio | 19.9520% | 1,625 |
| Memoranda: | ||
| Average total assets | $419,904,250 | 1,644 |
| Average earning assets | $380,870,000 | 1,676 |
| Average equity | $47,399,750 | 1,599 |
| Average total loans | $198,414,750 | 2,175 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7719% | 3,992 |
| Cost of funding earning assets | 0.1730% | 5,187 |
| Net interest margin | 3.5989% | 3,047 |
| Noninterest income to average assets | 0.9564% | 1,121 |
| Noninterest expense to average assets | 2.5932% | 3,453 |
| Loan and lease loss provision to assets | -0.0475% | 5,600 |
| Net operating income to assets | 1.1474% | 1,790 |
| Return on assets (ROA) | 1.1474% | 1,839 |
| Pretax return on assets | 1.6729% | 1,121 |
| Return on Equity (ROE) | 10.2842% | 1,918 |
| Retained earnings to average equity (ytd only) | 6.2386% | 1,999 |
| Net charge-offs to loans | -0.3225% | 5,650 |
| Credit loss provision to net charge-offs | 31.1526% | 2,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4709% | 4,088 |
| Assets per employee ($millions) | 3.9480% | 4,047 |
| Cash dividends to net income (ytd only)* | 39.3375% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8869% | 739 |
| Loan loss allowance to noncurrent loans | 192.5388% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 1.8784% | 710 |
| Noncurrent loans to loans | 0.9800% | 2,004 |
| Net loans and leases to total assets | 46.8886% | 4,889 |
| Net loans and leases to deposits | 53.0100% | 5,017 |
| Net loans and leases to core deposits | 54.5175% | 5,067 |
| Total domestic deposits to total assets | 88.4524% | 1,229 |
| Equity capital to assets | 11.2701% | 2,526 |
| Core capital (leverage) ratio | 11.0285% | 2,376 |
| Tier 1 risk-based capital ratio | 17.8898% | 1,890 |
| Total risk-based capital ratio | 19.1471% | 1,835 |
| Memoranda: | ||
| Average total assets | $420,949,670 | 1,645 |
| Average earning assets | $381,559,330 | 1,676 |
| Average equity | $46,965,330 | 1,616 |
| Average total loans | $199,074,330 | 2,173 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7250% | 4,027 |
| Cost of funding earning assets | 0.1714% | 5,226 |
| Net interest margin | 3.5537% | 3,070 |
| Noninterest income to average assets | 1.0147% | 975 |
| Noninterest expense to average assets | 2.5880% | 3,537 |
| Loan and lease loss provision to assets | -0.0956% | 5,748 |
| Net operating income to assets | 1.1888% | 1,528 |
| Return on assets (ROA) | 1.1888% | 1,571 |
| Pretax return on assets | 1.7349% | 928 |
| Return on Equity (ROE) | 10.7107% | 1,666 |
| Retained earnings to average equity (ytd only) | 6.6177% | 2,020 |
| Net charge-offs to loans | -1.2749% | 5,791 |
| Credit loss provision to net charge-offs | 15.9490% | 2,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2217% | 4,280 |
| Assets per employee ($millions) | 3.8412% | 4,281 |
| Cash dividends to net income (ytd only)* | 38.2140% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0507% | 609 |
| Loan loss allowance to noncurrent loans | 214.6329% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 1.9892% | 664 |
| Noncurrent loans to loans | 0.9554% | 2,133 |
| Net loans and leases to total assets | 46.9247% | 4,896 |
| Net loans and leases to deposits | 52.9042% | 4,988 |
| Net loans and leases to core deposits | 54.3581% | 5,045 |
| Total domestic deposits to total assets | 88.6976% | 1,320 |
| Equity capital to assets | 11.0873% | 2,547 |
| Core capital (leverage) ratio | 10.9223% | 2,451 |
| Tier 1 risk-based capital ratio | 17.5771% | 2,014 |
| Total risk-based capital ratio | 18.8382% | 1,960 |
| Memoranda: | ||
| Average total assets | $418,233,000 | 1,665 |
| Average earning assets | $378,089,500 | 1,697 |
| Average equity | $46,421,000 | 1,632 |
| Average total loans | $196,726,500 | 2,211 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7454% | 4,072 |
| Cost of funding earning assets | 0.1754% | 5,248 |
| Net interest margin | 3.5700% | 3,187 |
| Noninterest income to average assets | 0.6384% | 2,465 |
| Noninterest expense to average assets | 2.6808% | 3,407 |
| Loan and lease loss provision to assets | -0.1707% | 5,757 |
| Net operating income to assets | 0.9492% | 2,590 |
| Return on assets (ROA) | 0.9495% | 2,695 |
| Pretax return on assets | 1.3392% | 2,150 |
| Return on Equity (ROE) | 8.5167% | 2,664 |
| Retained earnings to average equity (ytd only) | 5.6734% | 1,902 |
| Net charge-offs to loans | -0.1742% | 5,712 |
| Credit loss provision to net charge-offs | 210.8434% | 1,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6528% | 2,970 |
| Assets per employee ($millions) | 3.7292% | 4,429 |
| Cash dividends to net income (ytd only)* | 33.3847% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8971% | 809 |
| Loan loss allowance to noncurrent loans | 168.8723% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 2.1119% | 634 |
| Noncurrent loans to loans | 1.1234% | 1,834 |
| Net loans and leases to total assets | 45.2744% | 5,054 |
| Net loans and leases to deposits | 51.0713% | 5,167 |
| Net loans and leases to core deposits | 52.5288% | 5,203 |
| Total domestic deposits to total assets | 88.6495% | 1,294 |
| Equity capital to assets | 11.1116% | 2,528 |
| Core capital (leverage) ratio | 10.6700% | 2,697 |
| Tier 1 risk-based capital ratio | 17.9496% | 1,860 |
| Total risk-based capital ratio | 19.2114% | 1,820 |
| Memoranda: | ||
| Average total assets | $410,098,000 | 1,644 |
| Average earning assets | $368,796,600 | 1,693 |
| Average equity | $45,722,000 | 1,649 |
| Average total loans | $190,636,800 | 2,205 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7517% | 4,075 |
| Cost of funding earning assets | 0.1758% | 5,299 |
| Net interest margin | 3.5759% | 3,178 |
| Noninterest income to average assets | 0.5364% | 3,000 |
| Noninterest expense to average assets | 2.7423% | 3,203 |
| Loan and lease loss provision to assets | -0.2281% | 5,880 |
| Net operating income to assets | 0.8605% | 3,098 |
| Return on assets (ROA) | 0.8610% | 3,222 |
| Pretax return on assets | 1.2383% | 2,664 |
| Return on Equity (ROE) | 7.7159% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.7159% | 1,306 |
| Net charge-offs to loans | -0.1218% | 5,642 |
| Credit loss provision to net charge-offs | 402.2989% | 836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0913% | 2,424 |
| Assets per employee ($millions) | 3.7356% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7951% | 1,023 |
| Loan loss allowance to noncurrent loans | 110.4877% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 2.3329% | 606 |
| Noncurrent loans to loans | 1.6247% | 1,322 |
| Net loans and leases to total assets | 46.5675% | 5,056 |
| Net loans and leases to deposits | 52.9032% | 5,160 |
| Net loans and leases to core deposits | 54.4879% | 5,208 |
| Total domestic deposits to total assets | 88.0241% | 1,394 |
| Equity capital to assets | 11.6633% | 2,388 |
| Core capital (leverage) ratio | 10.7702% | 2,711 |
| Tier 1 risk-based capital ratio | 17.7016% | 2,004 |
| Total risk-based capital ratio | 18.9652% | 1,959 |
| Memoranda: | ||
| Average total assets | $409,138,500 | 1,655 |
| Average earning assets | $367,895,750 | 1,694 |
| Average equity | $45,653,750 | 1,659 |
| Average total loans | $190,538,250 | 2,203 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 4,106 |
| Cost of funding earning assets | 0.1775% | 5,347 |
| Net interest margin | 3.5795% | 3,175 |
| Noninterest income to average assets | 0.4124% | 3,795 |
| Noninterest expense to average assets | 2.7819% | 3,083 |
| Loan and lease loss provision to assets | -0.3416% | 5,988 |
| Net operating income to assets | 0.8227% | 3,206 |
| Return on assets (ROA) | 0.8233% | 3,338 |
| Pretax return on assets | 1.1826% | 2,852 |
| Return on Equity (ROE) | 7.4909% | 3,269 |
| Retained earnings to average equity (ytd only) | 7.4909% | 1,386 |
| Net charge-offs to loans | -0.3058% | 5,888 |
| Credit loss provision to net charge-offs | 241.3793% | 1,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8091% | 1,960 |
| Assets per employee ($millions) | 3.6346% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8203% | 1,048 |
| Loan loss allowance to noncurrent loans | 137.9815% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 2.2018% | 700 |
| Noncurrent loans to loans | 1.3192% | 1,709 |
| Net loans and leases to total assets | 47.0399% | 5,063 |
| Net loans and leases to deposits | 53.1866% | 5,185 |
| Net loans and leases to core deposits | 54.6191% | 5,244 |
| Total domestic deposits to total assets | 88.4432% | 1,201 |
| Equity capital to assets | 11.2949% | 2,742 |
| Core capital (leverage) ratio | 10.1582% | 3,378 |
| Tier 1 risk-based capital ratio | 16.7997% | 2,307 |
| Total risk-based capital ratio | 18.0652% | 2,250 |
| Memoranda: | ||
| Average total assets | $409,790,330 | 1,650 |
| Average earning assets | $367,427,000 | 1,698 |
| Average equity | $45,041,330 | 1,677 |
| Average total loans | $189,690,670 | 2,214 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7489% | 4,142 |
| Cost of funding earning assets | 0.1784% | 5,385 |
| Net interest margin | 3.5705% | 3,201 |
| Noninterest income to average assets | 0.7691% | 1,737 |
| Noninterest expense to average assets | 2.8134% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7980% | 3,259 |
| Return on assets (ROA) | 0.7994% | 3,367 |
| Pretax return on assets | 1.1463% | 2,908 |
| Return on Equity (ROE) | 7.3748% | 3,254 |
| Retained earnings to average equity (ytd only) | 7.3748% | 1,715 |
| Net charge-offs to loans | -0.2901% | 5,927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0864% | 2,941 |
| Assets per employee ($millions) | 3.4610% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1663% | 619 |
| Loan loss allowance to noncurrent loans | 106.7788% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 3.0711% | 407 |
| Noncurrent loans to loans | 2.0288% | 1,044 |
| Net loans and leases to total assets | 44.8762% | 5,199 |
| Net loans and leases to deposits | 50.4683% | 5,317 |
| Net loans and leases to core deposits | 51.8962% | 5,357 |
| Total domestic deposits to total assets | 88.9195% | 1,147 |
| Equity capital to assets | 10.8754% | 3,078 |
| Core capital (leverage) ratio | 9.9112% | 3,651 |
| Tier 1 risk-based capital ratio | 16.6667% | 2,412 |
| Total risk-based capital ratio | 17.9372% | 2,347 |
| Memoranda: | ||
| Average total assets | $409,331,000 | 1,649 |
| Average earning assets | $365,551,000 | 1,700 |
| Average equity | $44,367,500 | 1,692 |
| Average total loans | $186,146,500 | 2,250 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5280% | 4,848 |
| Cost of funding earning assets | 0.1876% | 5,380 |
| Net interest margin | 3.3405% | 4,147 |
| Noninterest income to average assets | 0.8213% | 1,703 |
| Noninterest expense to average assets | 2.8397% | 3,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6696% | 3,955 |
| Return on assets (ROA) | 0.6781% | 4,009 |
| Pretax return on assets | 0.9465% | 3,667 |
| Return on Equity (ROE) | 6.1380% | 3,974 |
| Retained earnings to average equity (ytd only) | 1.5761% | 4,821 |
| Net charge-offs to loans | 0.3634% | 810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 5.9061% | 3,307 |
| Efficiency ratio | 75.2370% | 2,392 |
| Assets per employee ($millions) | 3.3334% | 5,095 |
| Cash dividends to net income (ytd only)* | 74.3218% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1960% | 599 |
| Loan loss allowance to noncurrent loans | 91.8546% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 3.3971% | 356 |
| Noncurrent loans to loans | 2.3907% | 791 |
| Net loans and leases to total assets | 44.0803% | 5,276 |
| Net loans and leases to deposits | 49.5503% | 5,414 |
| Net loans and leases to core deposits | 51.0414% | 5,454 |
| Total domestic deposits to total assets | 88.9607% | 1,136 |
| Equity capital to assets | 10.8016% | 3,029 |
| Core capital (leverage) ratio | 9.9257% | 3,610 |
| Tier 1 risk-based capital ratio | 16.5907% | 2,431 |
| Total risk-based capital ratio | 17.8630% | 2,382 |
| Memoranda: | ||
| Average total assets | $396,831,400 | 1,663 |
| Average earning assets | $350,820,600 | 1,723 |
| Average equity | $43,841,600 | 1,679 |
| Average total loans | $172,797,000 | 2,321 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4963% | 4,991 |
| Cost of funding earning assets | 0.1899% | 5,464 |
| Net interest margin | 3.3064% | 4,317 |
| Noninterest income to average assets | 0.8002% | 1,805 |
| Noninterest expense to average assets | 2.8916% | 2,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5921% | 4,421 |
| Return on assets (ROA) | 0.6036% | 4,473 |
| Pretax return on assets | 0.8438% | 4,194 |
| Return on Equity (ROE) | 5.4321% | 4,434 |
| Retained earnings to average equity (ytd only) | 2.3957% | 4,678 |
| Net charge-offs to loans | 0.5394% | 429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.5565% | 3,489 |
| Efficiency ratio | 77.7415% | 1,980 |
| Assets per employee ($millions) | 3.1989% | 5,285 |
| Cash dividends to net income (ytd only)* | 55.8972% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2436% | 624 |
| Loan loss allowance to noncurrent loans | 55.5006% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 4.3493% | 262 |
| Noncurrent loans to loans | 4.0425% | 315 |
| Net loans and leases to total assets | 43.8754% | 5,365 |
| Net loans and leases to deposits | 49.6565% | 5,488 |
| Net loans and leases to core deposits | 51.2021% | 5,537 |
| Total domestic deposits to total assets | 88.3578% | 1,371 |
| Equity capital to assets | 11.3253% | 2,674 |
| Core capital (leverage) ratio | 10.1493% | 3,437 |
| Tier 1 risk-based capital ratio | 17.0943% | 2,342 |
| Total risk-based capital ratio | 18.3654% | 2,276 |
| Memoranda: | ||
| Average total assets | $395,204,500 | 1,681 |
| Average earning assets | $348,930,750 | 1,750 |
| Average equity | $43,910,250 | 1,690 |
| Average total loans | $170,550,000 | 2,361 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4384% | 5,139 |
| Cost of funding earning assets | 0.1914% | 5,516 |
| Net interest margin | 3.2470% | 4,512 |
| Noninterest income to average assets | 0.7771% | 1,884 |
| Noninterest expense to average assets | 2.9165% | 2,836 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5247% | 4,671 |
| Return on assets (ROA) | 0.5221% | 4,778 |
| Pretax return on assets | 0.7207% | 4,598 |
| Return on Equity (ROE) | 4.7291% | 4,738 |
| Retained earnings to average equity (ytd only) | 4.7291% | 3,033 |
| Net charge-offs to loans | 0.2355% | 1,100 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 7.2211% | 2,696 |
| Efficiency ratio | 80.1080% | 1,741 |
| Assets per employee ($millions) | 3.3493% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6263% | 414 |
| Loan loss allowance to noncurrent loans | 55.8066% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 4.7447% | 248 |
| Noncurrent loans to loans | 4.7060% | 273 |
| Net loans and leases to total assets | 41.1263% | 5,567 |
| Net loans and leases to deposits | 46.3675% | 5,657 |
| Net loans and leases to core deposits | 48.6070% | 5,673 |
| Total domestic deposits to total assets | 88.6965% | 1,299 |
| Equity capital to assets | 11.0453% | 2,841 |
| Core capital (leverage) ratio | 9.9249% | 3,711 |
| Tier 1 risk-based capital ratio | 17.6102% | 2,184 |
| Total risk-based capital ratio | 18.8865% | 2,129 |
| Memoranda: | ||
| Average total assets | $396,849,670 | 1,688 |
| Average earning assets | $349,986,330 | 1,747 |
| Average equity | $43,814,000 | 1,698 |
| Average total loans | $169,012,670 | 2,384 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4109% | 5,177 |
| Cost of funding earning assets | 0.1940% | 5,563 |
| Net interest margin | 3.2169% | 4,544 |
| Noninterest income to average assets | 0.7435% | 1,946 |
| Noninterest expense to average assets | 2.9768% | 2,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4393% | 4,913 |
| Return on assets (ROA) | 0.4636% | 4,934 |
| Pretax return on assets | 0.6313% | 4,826 |
| Return on Equity (ROE) | 4.2005% | 4,889 |
| Retained earnings to average equity (ytd only) | 4.2005% | 3,486 |
| Net charge-offs to loans | 0.4110% | 592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.4023% | 2,608 |
| Efficiency ratio | 83.2721% | 1,455 |
| Assets per employee ($millions) | 3.3518% | 5,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6170% | 452 |
| Loan loss allowance to noncurrent loans | 56.4858% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 4.9446% | 250 |
| Noncurrent loans to loans | 4.6331% | 325 |
| Net loans and leases to total assets | 41.1323% | 5,540 |
| Net loans and leases to deposits | 46.3494% | 5,644 |
| Net loans and leases to core deposits | 48.6162% | 5,644 |
| Total domestic deposits to total assets | 88.7439% | 1,427 |
| Equity capital to assets | 10.9692% | 3,005 |
| Core capital (leverage) ratio | 9.7855% | 3,906 |
| Tier 1 risk-based capital ratio | 17.0264% | 2,474 |
| Total risk-based capital ratio | 18.2852% | 2,426 |
| Memoranda: | ||
| Average total assets | $395,991,000 | 1,695 |
| Average earning assets | $348,534,000 | 1,763 |
| Average equity | $43,709,500 | 1,705 |
| Average total loans | $169,350,500 | 2,374 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6355% | 4,979 |
| Cost of funding earning assets | 0.2160% | 5,619 |
| Net interest margin | 3.4196% | 4,112 |
| Noninterest income to average assets | -0.0353% | 6,425 |
| Noninterest expense to average assets | 3.0467% | 2,701 |
| Loan and lease loss provision to assets | 0.3532% | 536 |
| Net operating income to assets | 2.0775% | 286 |
| Return on assets (ROA) | 2.0814% | 293 |
| Pretax return on assets | -0.4178% | 6,260 |
| Return on Equity (ROE) | 21.4965% | 189 |
| Retained earnings to average equity (ytd only) | 21.4965% | 57 |
| Net charge-offs to loans | 1.9519% | 101 |
| Credit loss provision to net charge-offs | 39.8465% | 3,678 |
| Earnings coverage of net charge-offs (x) | -0.0797% | 4,724 |
| Efficiency ratio | 102.3734% | 319 |
| Assets per employee ($millions) | 3.1688% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7367% | 408 |
| Loan loss allowance to noncurrent loans | 57.7933% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 5.1949% | 252 |
| Noncurrent loans to loans | 4.7354% | 333 |
| Net loans and leases to total assets | 42.1264% | 5,606 |
| Net loans and leases to deposits | 47.5380% | 5,710 |
| Net loans and leases to core deposits | 49.9021% | 5,719 |
| Total domestic deposits to total assets | 88.6162% | 1,463 |
| Equity capital to assets | 11.1090% | 2,794 |
| Core capital (leverage) ratio | 9.1644% | 4,725 |
| Tier 1 risk-based capital ratio | 17.1711% | 2,440 |
| Total risk-based capital ratio | 18.4339% | 2,389 |
| Memoranda: | ||
| Average total assets | $382,251,400 | 1,717 |
| Average earning assets | $336,620,800 | 1,778 |
| Average equity | $37,010,600 | 1,902 |
| Average total loans | $173,573,000 | 2,296 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6522% | 4,996 |
| Cost of funding earning assets | 0.2194% | 5,676 |
| Net interest margin | 3.4328% | 4,096 |
| Noninterest income to average assets | 0.6688% | 2,479 |
| Noninterest expense to average assets | 3.1130% | 2,438 |
| Loan and lease loss provision to assets | 0.0526% | 3,324 |
| Net operating income to assets | 0.5300% | 4,761 |
| Return on assets (ROA) | 0.5819% | 4,615 |
| Pretax return on assets | 0.5819% | 5,079 |
| Return on Equity (ROE) | 6.2454% | 4,106 |
| Retained earnings to average equity (ytd only) | 6.2454% | 2,254 |
| Net charge-offs to loans | 0.4158% | 954 |
| Credit loss provision to net charge-offs | 27.5229% | 3,490 |
| Earnings coverage of net charge-offs (x) | 3.0495% | 3,755 |
| Efficiency ratio | 84.2360% | 1,360 |
| Assets per employee ($millions) | 3.1107% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5785% | 218 |
| Loan loss allowance to noncurrent loans | 67.0772% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 6.6885% | 186 |
| Noncurrent loans to loans | 5.3349% | 311 |
| Net loans and leases to total assets | 44.1053% | 5,515 |
| Net loans and leases to deposits | 48.9399% | 5,704 |
| Net loans and leases to core deposits | 51.4423% | 5,719 |
| Total domestic deposits to total assets | 90.1214% | 675 |
| Equity capital to assets | 9.5694% | 4,712 |
| Core capital (leverage) ratio | 9.6410% | 4,169 |
| Tier 1 risk-based capital ratio | 17.8425% | 2,262 |
| Total risk-based capital ratio | 19.1142% | 2,216 |
| Memoranda: | ||
| Average total assets | $380,373,000 | 1,735 |
| Average earning assets | $335,384,750 | 1,800 |
| Average equity | $35,438,500 | 1,982 |
| Average total loans | $174,762,750 | 2,296 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6708% | 4,945 |
| Cost of funding earning assets | 0.2223% | 5,725 |
| Net interest margin | 3.4485% | 3,984 |
| Noninterest income to average assets | 0.4394% | 3,948 |
| Noninterest expense to average assets | 3.0778% | 2,574 |
| Loan and lease loss provision to assets | 0.0790% | 2,708 |
| Net operating income to assets | 0.3140% | 5,519 |
| Return on assets (ROA) | 0.4178% | 5,229 |
| Pretax return on assets | 0.4178% | 5,504 |
| Return on Equity (ROE) | 4.5254% | 4,909 |
| Retained earnings to average equity (ytd only) | 4.5254% | 3,300 |
| Net charge-offs to loans | 0.4099% | 994 |
| Credit loss provision to net charge-offs | 41.8994% | 2,902 |
| Earnings coverage of net charge-offs (x) | 2.0838% | 3,647 |
| Efficiency ratio | 88.6764% | 1,029 |
| Assets per employee ($millions) | 3.1676% | 5,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6975% | 212 |
| Loan loss allowance to noncurrent loans | 67.9878% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 7.0611% | 179 |
| Noncurrent loans to loans | 5.4385% | 340 |
| Net loans and leases to total assets | 43.4697% | 5,569 |
| Net loans and leases to deposits | 48.0397% | 5,769 |
| Net loans and leases to core deposits | 50.5046% | 5,765 |
| Total domestic deposits to total assets | 90.4871% | 595 |
| Equity capital to assets | 9.2412% | 5,052 |
| Core capital (leverage) ratio | 9.3836% | 4,490 |
| Tier 1 risk-based capital ratio | 17.5187% | 2,405 |
| Total risk-based capital ratio | 18.7913% | 2,372 |
| Memoranda: | ||
| Average total assets | $379,626,000 | 1,733 |
| Average earning assets | $333,711,670 | 1,806 |
| Average equity | $35,046,670 | 1,992 |
| Average total loans | $174,678,330 | 2,298 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6590% | 4,978 |
| Cost of funding earning assets | 0.2243% | 5,804 |
| Net interest margin | 3.4347% | 3,960 |
| Noninterest income to average assets | 0.2977% | 4,975 |
| Noninterest expense to average assets | 3.0866% | 2,573 |
| Loan and lease loss provision to assets | 0.1595% | 1,526 |
| Net operating income to assets | 0.0638% | 6,101 |
| Return on assets (ROA) | 0.3275% | 5,450 |
| Pretax return on assets | 0.3275% | 5,658 |
| Return on Equity (ROE) | 3.5491% | 5,247 |
| Retained earnings to average equity (ytd only) | 3.5491% | 4,005 |
| Net charge-offs to loans | 0.2975% | 1,172 |
| Credit loss provision to net charge-offs | 115.3846% | 1,494 |
| Earnings coverage of net charge-offs (x) | 1.6154% | 3,056 |
| Efficiency ratio | 93.2541% | 797 |
| Assets per employee ($millions) | 3.0347% | 5,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8497% | 213 |
| Loan loss allowance to noncurrent loans | 64.4408% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 7.5004% | 188 |
| Noncurrent loans to loans | 5.9740% | 303 |
| Net loans and leases to total assets | 43.6204% | 5,545 |
| Net loans and leases to deposits | 48.1320% | 5,722 |
| Net loans and leases to core deposits | 50.6243% | 5,718 |
| Total domestic deposits to total assets | 90.6265% | 726 |
| Equity capital to assets | 9.1396% | 4,955 |
| Core capital (leverage) ratio | 9.4973% | 4,278 |
| Tier 1 risk-based capital ratio | 17.3407% | 2,538 |
| Total risk-based capital ratio | 18.6151% | 2,498 |
| Memoranda: | ||
| Average total assets | $376,212,500 | 1,751 |
| Average earning assets | $329,925,000 | 1,828 |
| Average equity | $34,713,500 | 2,000 |
| Average total loans | $174,797,500 | 2,290 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7746% | 4,896 |
| Cost of funding earning assets | 0.2731% | 5,804 |
| Net interest margin | 3.5015% | 3,906 |
| Noninterest income to average assets | 0.8972% | 1,687 |
| Noninterest expense to average assets | 3.1703% | 2,512 |
| Loan and lease loss provision to assets | 0.4631% | 616 |
| Net operating income to assets | 0.3101% | 5,487 |
| Return on assets (ROA) | 0.3111% | 5,580 |
| Pretax return on assets | 0.3111% | 5,704 |
| Return on Equity (ROE) | 3.3430% | 5,385 |
| Retained earnings to average equity (ytd only) | 3.3430% | 3,853 |
| Net charge-offs to loans | 1.1586% | 463 |
| Credit loss provision to net charge-offs | 84.6003% | 2,908 |
| Earnings coverage of net charge-offs (x) | 1.4125% | 4,586 |
| Efficiency ratio | 80.3935% | 2,088 |
| Assets per employee ($millions) | 2.9138% | 5,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7802% | 231 |
| Loan loss allowance to noncurrent loans | 61.7053% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 7.9315% | 191 |
| Noncurrent loans to loans | 6.1263% | 329 |
| Net loans and leases to total assets | 45.7953% | 5,509 |
| Net loans and leases to deposits | 50.6231% | 5,721 |
| Net loans and leases to core deposits | 53.2915% | 5,716 |
| Total domestic deposits to total assets | 90.4631% | 837 |
| Equity capital to assets | 9.3175% | 4,672 |
| Core capital (leverage) ratio | 9.6547% | 4,052 |
| Tier 1 risk-based capital ratio | 16.8378% | 2,687 |
| Total risk-based capital ratio | 18.1117% | 2,636 |
| Memoranda: | ||
| Average total assets | $372,491,600 | 1,754 |
| Average earning assets | $324,060,800 | 1,830 |
| Average equity | $34,669,200 | 1,986 |
| Average total loans | $175,982,200 | 2,239 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7693% | 4,962 |
| Cost of funding earning assets | 0.2834% | 5,863 |
| Net interest margin | 3.4859% | 3,941 |
| Noninterest income to average assets | 1.0839% | 1,247 |
| Noninterest expense to average assets | 3.2319% | 2,261 |
| Loan and lease loss provision to assets | 0.5807% | 426 |
| Net operating income to assets | 0.2995% | 5,613 |
| Return on assets (ROA) | 0.3009% | 5,727 |
| Pretax return on assets | 0.3009% | 5,873 |
| Return on Equity (ROE) | 3.2337% | 5,519 |
| Retained earnings to average equity (ytd only) | 3.2337% | 4,380 |
| Net charge-offs to loans | 0.6722% | 896 |
| Credit loss provision to net charge-offs | 183.2018% | 1,323 |
| Earnings coverage of net charge-offs (x) | 2.7768% | 3,910 |
| Efficiency ratio | 78.5956% | 2,326 |
| Assets per employee ($millions) | 2.8381% | 6,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3980% | 177 |
| Loan loss allowance to noncurrent loans | 63.5457% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 9.0625% | 173 |
| Noncurrent loans to loans | 6.9210% | 303 |
| Net loans and leases to total assets | 47.6234% | 5,389 |
| Net loans and leases to deposits | 52.9447% | 5,633 |
| Net loans and leases to core deposits | 55.8342% | 5,640 |
| Total domestic deposits to total assets | 89.9493% | 1,029 |
| Equity capital to assets | 9.7410% | 4,252 |
| Core capital (leverage) ratio | 9.8511% | 3,888 |
| Tier 1 risk-based capital ratio | 16.6084% | 2,895 |
| Total risk-based capital ratio | 17.8881% | 2,841 |
| Memoranda: | ||
| Average total assets | $373,100,000 | 1,760 |
| Average earning assets | $324,115,500 | 1,844 |
| Average equity | $34,716,500 | 2,004 |
| Average total loans | $175,946,000 | 2,248 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6987% | 5,146 |
| Cost of funding earning assets | 0.2898% | 5,905 |
| Net interest margin | 3.4089% | 4,162 |
| Noninterest income to average assets | 1.1643% | 1,119 |
| Noninterest expense to average assets | 3.2334% | 2,266 |
| Loan and lease loss provision to assets | 0.6839% | 347 |
| Net operating income to assets | 0.2110% | 5,858 |
| Return on assets (ROA) | 0.2110% | 5,996 |
| Pretax return on assets | 0.2110% | 6,063 |
| Return on Equity (ROE) | 2.3005% | 5,859 |
| Retained earnings to average equity (ytd only) | 2.3005% | 4,821 |
| Net charge-offs to loans | 0.6108% | 1,084 |
| Credit loss provision to net charge-offs | 241.6357% | 1,044 |
| Earnings coverage of net charge-offs (x) | 3.1617% | 3,468 |
| Efficiency ratio | 78.3229% | 2,406 |
| Assets per employee ($millions) | 2.8634% | 6,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3415% | 194 |
| Loan loss allowance to noncurrent loans | 52.4055% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 9.5872% | 160 |
| Noncurrent loans to loans | 8.2844% | 237 |
| Net loans and leases to total assets | 47.2328% | 5,400 |
| Net loans and leases to deposits | 52.7795% | 5,621 |
| Net loans and leases to core deposits | 55.5551% | 5,635 |
| Total domestic deposits to total assets | 89.4909% | 1,333 |
| Equity capital to assets | 9.5099% | 4,565 |
| Core capital (leverage) ratio | 9.5466% | 4,173 |
| Tier 1 risk-based capital ratio | 16.1709% | 3,106 |
| Total risk-based capital ratio | 17.4501% | 3,039 |
| Memoranda: | ||
| Average total assets | $380,158,670 | 1,738 |
| Average earning assets | $330,546,330 | 1,809 |
| Average equity | $34,861,670 | 1,996 |
| Average total loans | $176,158,670 | 2,241 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5919% | 5,470 |
| Cost of funding earning assets | 0.2947% | 6,011 |
| Net interest margin | 3.2972% | 4,529 |
| Noninterest income to average assets | 1.1051% | 1,213 |
| Noninterest expense to average assets | 3.2721% | 2,156 |
| Loan and lease loss provision to assets | 0.5643% | 462 |
| Net operating income to assets | 0.1385% | 6,073 |
| Return on assets (ROA) | 0.1385% | 6,169 |
| Pretax return on assets | 0.1385% | 6,195 |
| Return on Equity (ROE) | 1.5368% | 6,078 |
| Retained earnings to average equity (ytd only) | 1.5368% | 5,219 |
| Net charge-offs to loans | 1.0527% | 578 |
| Credit loss provision to net charge-offs | 119.3059% | 1,608 |
| Earnings coverage of net charge-offs (x) | 1.4859% | 3,338 |
| Efficiency ratio | 82.3180% | 1,996 |
| Assets per employee ($millions) | 2.6652% | 6,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0580% | 275 |
| Loan loss allowance to noncurrent loans | 45.8655% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 9.8261% | 203 |
| Noncurrent loans to loans | 8.8477% | 275 |
| Net loans and leases to total assets | 44.7404% | 5,585 |
| Net loans and leases to deposits | 49.9574% | 5,788 |
| Net loans and leases to core deposits | 52.3256% | 5,795 |
| Total domestic deposits to total assets | 89.5572% | 1,322 |
| Equity capital to assets | 9.4102% | 4,986 |
| Core capital (leverage) ratio | 9.0229% | 4,849 |
| Tier 1 risk-based capital ratio | 16.1486% | 3,183 |
| Total risk-based capital ratio | 17.4243% | 3,118 |
| Memoranda: | ||
| Average total assets | $389,846,500 | 1,715 |
| Average earning assets | $339,316,500 | 1,783 |
| Average equity | $35,137,500 | 2,010 |
| Average total loans | $175,167,000 | 2,271 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 6,045 |
| Cost of funding earning assets | 0.4558% | 5,537 |
| Net interest margin | 3.2480% | 5,436 |
| Noninterest income to average assets | 0.4832% | 4,021 |
| Noninterest expense to average assets | 3.0800% | 2,986 |
| Loan and lease loss provision to assets | 1.4367% | 226 |
| Net operating income to assets | -1.1747% | 6,789 |
| Return on assets (ROA) | -1.0074% | 6,765 |
| Pretax return on assets | -1.0074% | 6,739 |
| Return on Equity (ROE) | -10.9023% | 6,744 |
| Retained earnings to average equity (ytd only) | -10.9023% | 6,667 |
| Net charge-offs to loans | 3.0162% | 165 |
| Credit loss provision to net charge-offs | 103.4544% | 2,896 |
| Earnings coverage of net charge-offs (x) | 0.1887% | 5,384 |
| Efficiency ratio | 92.1605% | 904 |
| Assets per employee ($millions) | 2.8431% | 6,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9539% | 295 |
| Loan loss allowance to noncurrent loans | 41.1036% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 9.2585% | 256 |
| Noncurrent loans to loans | 9.6192% | 259 |
| Net loans and leases to total assets | 41.6568% | 6,034 |
| Net loans and leases to deposits | 46.0717% | 6,249 |
| Net loans and leases to core deposits | 48.1781% | 6,257 |
| Total domestic deposits to total assets | 90.4173% | 742 |
| Equity capital to assets | 8.6488% | 5,908 |
| Core capital (leverage) ratio | 8.8115% | 5,161 |
| Tier 1 risk-based capital ratio | 15.7882% | 3,271 |
| Total risk-based capital ratio | 17.0625% | 3,217 |
| Memoranda: | ||
| Average total assets | $406,496,400 | 1,609 |
| Average earning assets | $357,793,800 | 1,666 |
| Average equity | $37,560,800 | 1,851 |
| Average total loans | $187,156,000 | 2,120 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 6,166 |
| Cost of funding earning assets | 0.4924% | 5,486 |
| Net interest margin | 3.2388% | 5,588 |
| Noninterest income to average assets | 0.5937% | 3,320 |
| Noninterest expense to average assets | 3.1069% | 2,867 |
| Loan and lease loss provision to assets | 1.1120% | 345 |
| Net operating income to assets | -0.7685% | 6,799 |
| Return on assets (ROA) | -0.6252% | 6,772 |
| Pretax return on assets | -0.6252% | 6,750 |
| Return on Equity (ROE) | -6.6595% | 6,776 |
| Retained earnings to average equity (ytd only) | -6.6595% | 6,703 |
| Net charge-offs to loans | 2.2725% | 293 |
| Credit loss provision to net charge-offs | 104.7590% | 2,813 |
| Earnings coverage of net charge-offs (x) | 0.3235% | 5,163 |
| Efficiency ratio | 90.0466% | 1,036 |
| Assets per employee ($millions) | 2.6699% | 6,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7986% | 358 |
| Loan loss allowance to noncurrent loans | 32.0509% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 11.0684% | 188 |
| Noncurrent loans to loans | 11.8518% | 174 |
| Net loans and leases to total assets | 45.9759% | 5,765 |
| Net loans and leases to deposits | 51.6002% | 6,001 |
| Net loans and leases to core deposits | 54.3591% | 6,022 |
| Total domestic deposits to total assets | 89.1003% | 1,373 |
| Equity capital to assets | 9.7910% | 4,797 |
| Core capital (leverage) ratio | 9.3483% | 4,505 |
| Tier 1 risk-based capital ratio | 16.2925% | 3,116 |
| Total risk-based capital ratio | 17.5654% | 3,072 |
| Memoranda: | ||
| Average total assets | $406,479,250 | 1,619 |
| Average earning assets | $358,515,500 | 1,687 |
| Average equity | $38,160,250 | 1,839 |
| Average total loans | $189,861,500 | 2,117 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7097% | 6,315 |
| Cost of funding earning assets | 0.5261% | 5,451 |
| Net interest margin | 3.1836% | 5,788 |
| Noninterest income to average assets | 0.5122% | 3,848 |
| Noninterest expense to average assets | 3.0527% | 3,073 |
| Loan and lease loss provision to assets | 1.1767% | 359 |
| Net operating income to assets | -0.8985% | 6,885 |
| Return on assets (ROA) | -0.6959% | 6,854 |
| Pretax return on assets | -0.6959% | 6,822 |
| Return on Equity (ROE) | -7.5117% | 6,849 |
| Retained earnings to average equity (ytd only) | -7.5117% | 6,744 |
| Net charge-offs to loans | 2.6569% | 253 |
| Credit loss provision to net charge-offs | 95.4990% | 2,889 |
| Earnings coverage of net charge-offs (x) | 0.2258% | 4,959 |
| Efficiency ratio | 91.6462% | 949 |
| Assets per employee ($millions) | 2.8450% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6562% | 442 |
| Loan loss allowance to noncurrent loans | 30.3965% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 10.1819% | 250 |
| Noncurrent loans to loans | 12.0283% | 171 |
| Net loans and leases to total assets | 43.1507% | 6,096 |
| Net loans and leases to deposits | 48.4014% | 6,289 |
| Net loans and leases to core deposits | 50.9046% | 6,304 |
| Total domestic deposits to total assets | 89.1517% | 1,418 |
| Equity capital to assets | 9.2496% | 5,396 |
| Core capital (leverage) ratio | 8.9665% | 4,959 |
| Tier 1 risk-based capital ratio | 16.4756% | 2,933 |
| Total risk-based capital ratio | 17.7470% | 2,880 |
| Memoranda: | ||
| Average total assets | $414,709,330 | 1,599 |
| Average earning assets | $367,196,000 | 1,646 |
| Average equity | $38,420,000 | 1,816 |
| Average total loans | $192,328,000 | 2,098 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7421% | 6,365 |
| Cost of funding earning assets | 0.5774% | 5,298 |
| Net interest margin | 3.1646% | 5,864 |
| Noninterest income to average assets | 0.3755% | 4,851 |
| Noninterest expense to average assets | 2.9657% | 3,405 |
| Loan and lease loss provision to assets | 0.5733% | 1,006 |
| Net operating income to assets | -0.3516% | 6,733 |
| Return on assets (ROA) | -0.3621% | 6,783 |
| Pretax return on assets | -0.3621% | 6,761 |
| Return on Equity (ROE) | -3.9057% | 6,802 |
| Retained earnings to average equity (ytd only) | -3.9057% | 6,483 |
| Net charge-offs to loans | 1.7529% | 543 |
| Credit loss provision to net charge-offs | 69.3642% | 2,931 |
| Earnings coverage of net charge-offs (x) | 0.2682% | 4,227 |
| Efficiency ratio | 93.0456% | 882 |
| Assets per employee ($millions) | 2.9419% | 6,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3827% | 583 |
| Loan loss allowance to noncurrent loans | 25.3573% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 9.9261% | 304 |
| Noncurrent loans to loans | 13.3402% | 158 |
| Net loans and leases to total assets | 44.2126% | 5,991 |
| Net loans and leases to deposits | 49.5429% | 6,172 |
| Net loans and leases to core deposits | 51.9027% | 6,214 |
| Total domestic deposits to total assets | 89.2410% | 1,523 |
| Equity capital to assets | 9.2111% | 5,219 |
| Core capital (leverage) ratio | 9.1013% | 4,682 |
| Tier 1 risk-based capital ratio | 16.3098% | 3,013 |
| Total risk-based capital ratio | 17.5789% | 2,956 |
| Memoranda: | ||
| Average total assets | $418,649,000 | 1,593 |
| Average earning assets | $371,985,000 | 1,632 |
| Average equity | $38,815,000 | 1,790 |
| Average total loans | $197,386,000 | 2,057 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0981% | 6,283 |
| Cost of funding earning assets | 0.8532% | 4,447 |
| Net interest margin | 3.2449% | 5,972 |
| Noninterest income to average assets | 0.3792% | 4,794 |
| Noninterest expense to average assets | 2.9770% | 3,679 |
| Loan and lease loss provision to assets | 1.4620% | 518 |
| Net operating income to assets | -1.1722% | 6,808 |
| Return on assets (ROA) | -1.1698% | 6,834 |
| Pretax return on assets | -1.1698% | 6,801 |
| Return on Equity (ROE) | -11.8570% | 6,796 |
| Retained earnings to average equity (ytd only) | -11.8570% | 6,764 |
| Net charge-offs to loans | 4.1327% | 140 |
| Credit loss provision to net charge-offs | 66.3342% | 4,988 |
| Earnings coverage of net charge-offs (x) | 0.1315% | 5,734 |
| Efficiency ratio | 91.1288% | 1,109 |
| Assets per employee ($millions) | 2.8732% | 6,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3506% | 596 |
| Loan loss allowance to noncurrent loans | 21.8289% | 6,555 |
| Noncurrent assets plus other real estate owned to assets | 10.3476% | 303 |
| Noncurrent loans to loans | 15.3493% | 124 |
| Net loans and leases to total assets | 46.9230% | 5,925 |
| Net loans and leases to deposits | 52.6719% | 6,157 |
| Net loans and leases to core deposits | 55.1247% | 6,221 |
| Total domestic deposits to total assets | 89.0855% | 1,486 |
| Equity capital to assets | 9.3325% | 5,108 |
| Core capital (leverage) ratio | 9.3993% | 4,183 |
| Tier 1 risk-based capital ratio | 15.8505% | 3,128 |
| Total risk-based capital ratio | 17.1224% | 3,077 |
| Memoranda: | ||
| Average total assets | $423,049,400 | 1,540 |
| Average earning assets | $376,465,800 | 1,579 |
| Average equity | $41,739,000 | 1,610 |
| Average total loans | $225,617,200 | 1,834 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 6,291 |
| Cost of funding earning assets | 0.8997% | 4,399 |
| Net interest margin | 3.2643% | 5,970 |
| Noninterest income to average assets | 0.7287% | 2,427 |
| Noninterest expense to average assets | 2.9648% | 3,688 |
| Loan and lease loss provision to assets | 1.3375% | 552 |
| Net operating income to assets | -0.6666% | 6,741 |
| Return on assets (ROA) | -0.6666% | 6,773 |
| Pretax return on assets | -0.6666% | 6,720 |
| Return on Equity (ROE) | -6.6675% | 6,752 |
| Retained earnings to average equity (ytd only) | -6.6675% | 6,685 |
| Net charge-offs to loans | 3.2328% | 270 |
| Credit loss provision to net charge-offs | 75.9088% | 4,281 |
| Earnings coverage of net charge-offs (x) | 0.3808% | 5,326 |
| Efficiency ratio | 81.5458% | 2,035 |
| Assets per employee ($millions) | 2.8383% | 6,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9862% | 394 |
| Loan loss allowance to noncurrent loans | 30.1687% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 10.4275% | 336 |
| Noncurrent loans to loans | 13.2130% | 194 |
| Net loans and leases to total assets | 50.4691% | 5,642 |
| Net loans and leases to deposits | 57.5500% | 5,885 |
| Net loans and leases to core deposits | 60.8320% | 5,919 |
| Total domestic deposits to total assets | 87.6962% | 2,238 |
| Equity capital to assets | 10.2572% | 4,012 |
| Core capital (leverage) ratio | 9.8477% | 3,651 |
| Tier 1 risk-based capital ratio | 16.3359% | 2,949 |
| Total risk-based capital ratio | 17.6123% | 2,899 |
| Memoranda: | ||
| Average total assets | $424,659,250 | 1,546 |
| Average earning assets | $378,186,750 | 1,577 |
| Average equity | $42,453,750 | 1,589 |
| Average total loans | $231,455,750 | 1,815 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 6,460 |
| Cost of funding earning assets | 0.9371% | 4,413 |
| Net interest margin | 3.1784% | 6,220 |
| Noninterest income to average assets | 0.7433% | 2,296 |
| Noninterest expense to average assets | 2.9230% | 3,931 |
| Loan and lease loss provision to assets | 0.7256% | 1,287 |
| Net operating income to assets | -0.0702% | 6,316 |
| Return on assets (ROA) | -0.0702% | 6,374 |
| Pretax return on assets | -0.0702% | 6,336 |
| Return on Equity (ROE) | -0.7084% | 6,372 |
| Retained earnings to average equity (ytd only) | -0.7084% | 5,998 |
| Net charge-offs to loans | 2.4237% | 502 |
| Credit loss provision to net charge-offs | 54.3175% | 4,479 |
| Earnings coverage of net charge-offs (x) | 0.4906% | 4,940 |
| Efficiency ratio | 81.6846% | 2,145 |
| Assets per employee ($millions) | 3.0658% | 5,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7455% | 493 |
| Loan loss allowance to noncurrent loans | 29.4506% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 10.3445% | 365 |
| Noncurrent loans to loans | 12.7179% | 217 |
| Net loans and leases to total assets | 51.5153% | 5,625 |
| Net loans and leases to deposits | 58.5735% | 5,870 |
| Net loans and leases to core deposits | 62.0215% | 5,896 |
| Total domestic deposits to total assets | 87.9498% | 2,168 |
| Equity capital to assets | 10.1877% | 3,886 |
| Core capital (leverage) ratio | 10.0754% | 3,170 |
| Tier 1 risk-based capital ratio | 16.1015% | 2,928 |
| Total risk-based capital ratio | 17.3756% | 2,887 |
| Memoranda: | ||
| Average total assets | $429,972,670 | 1,536 |
| Average earning assets | $383,531,670 | 1,565 |
| Average equity | $42,630,670 | 1,565 |
| Average total loans | $236,994,000 | 1,801 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1877% | 6,307 |
| Cost of funding earning assets | 0.9918% | 4,259 |
| Net interest margin | 3.1958% | 6,081 |
| Noninterest income to average assets | 0.6971% | 2,596 |
| Noninterest expense to average assets | 2.8925% | 4,089 |
| Loan and lease loss provision to assets | 0.6135% | 1,398 |
| Net operating income to assets | 0.0483% | 6,237 |
| Return on assets (ROA) | 0.0483% | 6,278 |
| Pretax return on assets | 0.0483% | 6,269 |
| Return on Equity (ROE) | 0.4943% | 6,263 |
| Retained earnings to average equity (ytd only) | 0.4943% | 5,625 |
| Net charge-offs to loans | 3.6670% | 268 |
| Credit loss provision to net charge-offs | 29.9184% | 4,120 |
| Earnings coverage of net charge-offs (x) | 0.3228% | 4,373 |
| Efficiency ratio | 81.3808% | 2,325 |
| Assets per employee ($millions) | 3.0996% | 5,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5520% | 584 |
| Loan loss allowance to noncurrent loans | 31.3249% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 8.9953% | 480 |
| Noncurrent loans to loans | 11.3392% | 322 |
| Net loans and leases to total assets | 52.3731% | 5,531 |
| Net loans and leases to deposits | 59.4282% | 5,774 |
| Net loans and leases to core deposits | 63.3402% | 5,800 |
| Total domestic deposits to total assets | 88.1284% | 2,300 |
| Equity capital to assets | 10.0521% | 3,708 |
| Core capital (leverage) ratio | 9.9739% | 3,171 |
| Tier 1 risk-based capital ratio | 15.9699% | 2,913 |
| Total risk-based capital ratio | 17.2423% | 2,878 |
| Memoranda: | ||
| Average total assets | $430,352,000 | 1,542 |
| Average earning assets | $384,749,000 | 1,573 |
| Average equity | $42,082,500 | 1,579 |
| Average total loans | $240,633,500 | 1,790 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 6,012 |
| Cost of funding earning assets | 1.2431% | 4,262 |
| Net interest margin | 3.3892% | 5,676 |
| Noninterest income to average assets | 0.4507% | 4,505 |
| Noninterest expense to average assets | 3.0613% | 3,623 |
| Loan and lease loss provision to assets | 3.3471% | 249 |
| Net operating income to assets | -2.9275% | 7,281 |
| Return on assets (ROA) | -2.9712% | 7,310 |
| Pretax return on assets | -3.0092% | 7,295 |
| Return on Equity (ROE) | -26.1132% | 7,156 |
| Retained earnings to average equity (ytd only) | -26.1132% | 7,139 |
| Net charge-offs to loans | 4.4935% | 242 |
| Credit loss provision to net charge-offs | 123.8389% | 3,338 |
| Earnings coverage of net charge-offs (x) | 0.1413% | 5,975 |
| Efficiency ratio | 88.9063% | 1,400 |
| Assets per employee ($millions) | 2.9031% | 6,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0371% | 388 |
| Loan loss allowance to noncurrent loans | 34.6193% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 9.2974% | 473 |
| Noncurrent loans to loans | 11.6613% | 312 |
| Net loans and leases to total assets | 55.2328% | 5,451 |
| Net loans and leases to deposits | 62.2937% | 5,823 |
| Net loans and leases to core deposits | 66.7664% | 5,802 |
| Total domestic deposits to total assets | 88.6651% | 1,846 |
| Equity capital to assets | 9.5006% | 4,405 |
| Core capital (leverage) ratio | 9.3211% | 3,975 |
| Tier 1 risk-based capital ratio | 14.4001% | 3,614 |
| Total risk-based capital ratio | 15.6785% | 3,551 |
| Memoranda: | ||
| Average total assets | $426,193,400 | 1,566 |
| Average earning assets | $376,316,000 | 1,601 |
| Average equity | $48,492,800 | 1,376 |
| Average total loans | $256,347,800 | 1,728 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7030% | 6,009 |
| Cost of funding earning assets | 1.2937% | 4,262 |
| Net interest margin | 3.4094% | 5,635 |
| Noninterest income to average assets | 0.4134% | 4,851 |
| Noninterest expense to average assets | 3.1028% | 3,323 |
| Loan and lease loss provision to assets | 3.3078% | 235 |
| Net operating income to assets | -1.7984% | 7,182 |
| Return on assets (ROA) | -1.8360% | 7,207 |
| Pretax return on assets | -3.0565% | 7,434 |
| Return on Equity (ROE) | -15.4962% | 7,125 |
| Retained earnings to average equity (ytd only) | -15.4962% | 7,098 |
| Net charge-offs to loans | 4.5023% | 223 |
| Credit loss provision to net charge-offs | 120.8414% | 3,410 |
| Earnings coverage of net charge-offs (x) | 0.1133% | 5,909 |
| Efficiency ratio | 90.9133% | 1,215 |
| Assets per employee ($millions) | 2.8147% | 6,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5953% | 503 |
| Loan loss allowance to noncurrent loans | 29.1564% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 9.5710% | 440 |
| Noncurrent loans to loans | 12.3312% | 267 |
| Net loans and leases to total assets | 57.1141% | 5,398 |
| Net loans and leases to deposits | 65.7910% | 5,688 |
| Net loans and leases to core deposits | 70.9930% | 5,641 |
| Total domestic deposits to total assets | 86.8115% | 2,641 |
| Equity capital to assets | 11.3505% | 2,661 |
| Core capital (leverage) ratio | 10.9169% | 2,323 |
| Tier 1 risk-based capital ratio | 16.5548% | 2,539 |
| Total risk-based capital ratio | 17.8286% | 2,480 |
| Memoranda: | ||
| Average total assets | $426,053,250 | 1,587 |
| Average earning assets | $374,840,500 | 1,633 |
| Average equity | $50,480,000 | 1,327 |
| Average total loans | $259,028,750 | 1,730 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7811% | 5,857 |
| Cost of funding earning assets | 1.3347% | 4,298 |
| Net interest margin | 3.4464% | 5,451 |
| Noninterest income to average assets | 0.5303% | 3,876 |
| Noninterest expense to average assets | 3.1633% | 3,040 |
| Loan and lease loss provision to assets | 2.8642% | 356 |
| Net operating income to assets | -1.4479% | 7,134 |
| Return on assets (ROA) | -1.5042% | 7,163 |
| Pretax return on assets | -2.5605% | 7,380 |
| Return on Equity (ROE) | -12.5222% | 7,057 |
| Retained earnings to average equity (ytd only) | -12.5222% | 7,018 |
| Net charge-offs to loans | 4.2108% | 293 |
| Credit loss provision to net charge-offs | 110.9500% | 3,660 |
| Earnings coverage of net charge-offs (x) | 0.1517% | 5,571 |
| Efficiency ratio | 88.9810% | 1,416 |
| Assets per employee ($millions) | 2.8864% | 6,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0875% | 769 |
| Loan loss allowance to noncurrent loans | 22.9552% | 6,793 |
| Noncurrent assets plus other real estate owned to assets | 9.8111% | 423 |
| Noncurrent loans to loans | 13.4499% | 217 |
| Net loans and leases to total assets | 55.9878% | 5,711 |
| Net loans and leases to deposits | 64.6584% | 5,961 |
| Net loans and leases to core deposits | 69.0183% | 5,972 |
| Total domestic deposits to total assets | 86.5901% | 2,761 |
| Equity capital to assets | 11.5633% | 2,390 |
| Core capital (leverage) ratio | 11.5348% | 1,898 |
| Tier 1 risk-based capital ratio | 17.3215% | 2,159 |
| Total risk-based capital ratio | 18.5894% | 2,119 |
| Memoranda: | ||
| Average total assets | $427,337,000 | 1,597 |
| Average earning assets | $375,058,330 | 1,648 |
| Average equity | $51,332,670 | 1,297 |
| Average total loans | $261,995,000 | 1,738 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9266% | 5,319 |
| Cost of funding earning assets | 1.3943% | 4,219 |
| Net interest margin | 3.5324% | 5,025 |
| Noninterest income to average assets | 0.9322% | 1,509 |
| Noninterest expense to average assets | 3.1218% | 3,175 |
| Loan and lease loss provision to assets | 2.8221% | 364 |
| Net operating income to assets | -1.1081% | 7,169 |
| Return on assets (ROA) | -1.1081% | 7,186 |
| Pretax return on assets | -1.9363% | 7,396 |
| Return on Equity (ROE) | -9.0502% | 7,098 |
| Retained earnings to average equity (ytd only) | -9.0502% | 6,901 |
| Net charge-offs to loans | 5.2790% | 221 |
| Credit loss provision to net charge-offs | 84.6809% | 3,779 |
| Earnings coverage of net charge-offs (x) | 0.2658% | 4,809 |
| Efficiency ratio | 77.8957% | 2,919 |
| Assets per employee ($millions) | 2.7151% | 6,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5651% | 1,217 |
| Loan loss allowance to noncurrent loans | 24.9070% | 6,750 |
| Noncurrent assets plus other real estate owned to assets | 8.4767% | 561 |
| Noncurrent loans to loans | 10.2988% | 405 |
| Net loans and leases to total assets | 59.0800% | 5,273 |
| Net loans and leases to deposits | 68.7607% | 5,501 |
| Net loans and leases to core deposits | 73.3687% | 5,565 |
| Total domestic deposits to total assets | 85.9211% | 3,198 |
| Equity capital to assets | 12.1369% | 1,961 |
| Core capital (leverage) ratio | 12.1116% | 1,593 |
| Tier 1 risk-based capital ratio | 17.4171% | 2,102 |
| Total risk-based capital ratio | 18.6792% | 2,067 |
| Memoranda: | ||
| Average total assets | $423,084,000 | 1,648 |
| Average earning assets | $368,366,500 | 1,709 |
| Average equity | $51,800,000 | 1,293 |
| Average total loans | $267,096,000 | 1,762 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6916% | 3,145 |
| Cost of funding earning assets | 1.5877% | 5,086 |
| Net interest margin | 4.1039% | 2,424 |
| Noninterest income to average assets | 0.9417% | 1,782 |
| Noninterest expense to average assets | 3.1647% | 3,494 |
| Loan and lease loss provision to assets | 1.4132% | 1,622 |
| Net operating income to assets | 0.1248% | 5,131 |
| Return on assets (ROA) | 0.1816% | 5,030 |
| Pretax return on assets | 0.0612% | 5,297 |
| Return on Equity (ROE) | 1.4611% | 5,102 |
| Retained earnings to average equity (ytd only) | -0.0830% | 4,953 |
| Net charge-offs to loans | 1.2995% | 1,911 |
| Credit loss provision to net charge-offs | 161.4141% | 2,746 |
| Earnings coverage of net charge-offs (x) | 1.6191% | 4,525 |
| Efficiency ratio | 68.3632% | 4,951 |
| Assets per employee ($millions) | 2.6917% | 6,869 |
| Cash dividends to net income (ytd only)* | 105.6803% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6004% | 1,113 |
| Loan loss allowance to noncurrent loans | 39.9154% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 6.1631% | 907 |
| Noncurrent loans to loans | 6.5148% | 918 |
| Net loans and leases to total assets | 63.9564% | 4,607 |
| Net loans and leases to deposits | 75.5827% | 4,811 |
| Net loans and leases to core deposits | 92.0803% | 4,875 |
| Total domestic deposits to total assets | 84.6177% | 3,751 |
| Equity capital to assets | 12.3516% | 1,822 |
| Core capital (leverage) ratio | 12.8860% | 1,282 |
| Tier 1 risk-based capital ratio | 16.4864% | 2,324 |
| Total risk-based capital ratio | 17.7482% | 2,266 |
| Memoranda: | ||
| Average total assets | $416,791,400 | 1,654 |
| Average earning assets | $369,721,800 | 1,705 |
| Average equity | $51,812,000 | 1,289 |
| Average total loans | $280,805,400 | 1,711 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7319% | 3,179 |
| Cost of funding earning assets | 1.6274% | 5,273 |
| Net interest margin | 4.1044% | 2,378 |
| Noninterest income to average assets | 0.9439% | 1,802 |
| Noninterest expense to average assets | 3.2213% | 3,232 |
| Loan and lease loss provision to assets | 1.1346% | 1,722 |
| Net operating income to assets | 0.2481% | 4,996 |
| Return on assets (ROA) | 0.3333% | 4,765 |
| Pretax return on assets | 0.3465% | 4,941 |
| Return on Equity (ROE) | 2.6770% | 4,925 |
| Retained earnings to average equity (ytd only) | 0.6178% | 4,941 |
| Net charge-offs to loans | 1.0252% | 1,924 |
| Credit loss provision to net charge-offs | 163.2089% | 2,891 |
| Earnings coverage of net charge-offs (x) | 2.0028% | 4,319 |
| Efficiency ratio | 69.5172% | 4,690 |
| Assets per employee ($millions) | 2.5309% | 7,181 |
| Cash dividends to net income (ytd only)* | 76.9232% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2332% | 1,370 |
| Loan loss allowance to noncurrent loans | 72.8324% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 3.4670% | 1,927 |
| Noncurrent loans to loans | 3.0662% | 2,468 |
| Net loans and leases to total assets | 67.6864% | 4,026 |
| Net loans and leases to deposits | 80.6319% | 4,270 |
| Net loans and leases to core deposits | 98.8740% | 4,501 |
| Total domestic deposits to total assets | 83.9449% | 3,748 |
| Equity capital to assets | 12.8205% | 1,776 |
| Core capital (leverage) ratio | 13.0381% | 1,367 |
| Tier 1 risk-based capital ratio | 16.6322% | 2,380 |
| Total risk-based capital ratio | 17.8911% | 2,326 |
| Memoranda: | ||
| Average total assets | $416,013,000 | 1,676 |
| Average earning assets | $371,946,000 | 1,702 |
| Average equity | $51,798,750 | 1,301 |
| Average total loans | $282,075,250 | 1,727 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7021% | 3,529 |
| Cost of funding earning assets | 1.6568% | 5,486 |
| Net interest margin | 4.0453% | 2,523 |
| Noninterest income to average assets | 0.9459% | 1,773 |
| Noninterest expense to average assets | 3.2436% | 3,173 |
| Loan and lease loss provision to assets | 1.0457% | 1,626 |
| Net operating income to assets | 0.2487% | 5,087 |
| Return on assets (ROA) | 0.3681% | 4,725 |
| Pretax return on assets | 0.4044% | 4,921 |
| Return on Equity (ROE) | 2.9854% | 4,908 |
| Retained earnings to average equity (ytd only) | -0.1123% | 5,248 |
| Net charge-offs to loans | 0.5098% | 2,798 |
| Credit loss provision to net charge-offs | 304.5897% | 1,524 |
| Earnings coverage of net charge-offs (x) | 3.8414% | 3,296 |
| Efficiency ratio | 70.7902% | 4,625 |
| Assets per employee ($millions) | 2.4908% | 7,275 |
| Cash dividends to net income (ytd only)* | 103.7613% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2527% | 1,162 |
| Loan loss allowance to noncurrent loans | 59.9027% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 3.5829% | 1,733 |
| Noncurrent loans to loans | 3.7606% | 1,836 |
| Net loans and leases to total assets | 68.3991% | 4,085 |
| Net loans and leases to deposits | 80.2732% | 4,507 |
| Net loans and leases to core deposits | 98.6655% | 4,630 |
| Total domestic deposits to total assets | 85.2079% | 3,159 |
| Equity capital to assets | 12.6015% | 1,879 |
| Core capital (leverage) ratio | 12.7355% | 1,527 |
| Tier 1 risk-based capital ratio | 16.4077% | 2,479 |
| Total risk-based capital ratio | 17.6668% | 2,424 |
| Memoranda: | ||
| Average total assets | $418,859,670 | 1,690 |
| Average earning assets | $374,461,000 | 1,723 |
| Average equity | $51,651,670 | 1,319 |
| Average total loans | $282,065,670 | 1,752 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6740% | 3,923 |
| Cost of funding earning assets | 1.6752% | 5,719 |
| Net interest margin | 3.9988% | 2,648 |
| Noninterest income to average assets | 0.9612% | 1,600 |
| Noninterest expense to average assets | 3.1019% | 3,371 |
| Loan and lease loss provision to assets | 0.8841% | 1,483 |
| Net operating income to assets | 0.4296% | 4,747 |
| Return on assets (ROA) | 0.6339% | 4,049 |
| Pretax return on assets | 0.8013% | 4,071 |
| Return on Equity (ROE) | 5.1950% | 4,385 |
| Retained earnings to average equity (ytd only) | 2.1119% | 4,693 |
| Net charge-offs to loans | 0.1381% | 3,854 |
| Credit loss provision to net charge-offs | 969.0722% | 645 |
| Earnings coverage of net charge-offs (x) | 15.6392% | 1,598 |
| Efficiency ratio | 68.1828% | 4,929 |
| Assets per employee ($millions) | 2.5310% | 7,215 |
| Cash dividends to net income (ytd only)* | 59.3472% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0444% | 1,333 |
| Loan loss allowance to noncurrent loans | 64.9269% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 2.9012% | 1,961 |
| Noncurrent loans to loans | 3.1487% | 2,053 |
| Net loans and leases to total assets | 66.2244% | 4,529 |
| Net loans and leases to deposits | 78.6506% | 4,822 |
| Net loans and leases to core deposits | 96.6311% | 4,886 |
| Total domestic deposits to total assets | 84.2008% | 3,602 |
| Equity capital to assets | 12.4244% | 2,015 |
| Core capital (leverage) ratio | 12.4681% | 1,702 |
| Tier 1 risk-based capital ratio | 16.4561% | 2,530 |
| Total risk-based capital ratio | 17.7128% | 2,465 |
| Memoranda: | ||
| Average total assets | $425,286,000 | 1,678 |
| Average earning assets | $379,416,000 | 1,711 |
| Average equity | $51,896,000 | 1,318 |
| Average total loans | $281,046,000 | 1,771 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3926% | 3,459 |
| Cost of funding earning assets | 2.1120% | 5,991 |
| Net interest margin | 4.2806% | 2,044 |
| Noninterest income to average assets | 1.0154% | 1,534 |
| Noninterest expense to average assets | 3.2394% | 3,189 |
| Loan and lease loss provision to assets | 0.3130% | 3,867 |
| Net operating income to assets | 0.9239% | 2,903 |
| Return on assets (ROA) | 0.9534% | 2,639 |
| Pretax return on assets | 1.3363% | 2,184 |
| Return on Equity (ROE) | 7.9215% | 3,106 |
| Retained earnings to average equity (ytd only) | 1.8174% | 4,103 |
| Net charge-offs to loans | 0.3428% | 3,115 |
| Credit loss provision to net charge-offs | 145.1023% | 3,639 |
| Earnings coverage of net charge-offs (x) | 7.4532% | 3,107 |
| Efficiency ratio | 65.2216% | 5,273 |
| Assets per employee ($millions) | 2.5468% | 7,118 |
| Cash dividends to net income (ytd only)* | 77.0580% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7619% | 1,734 |
| Loan loss allowance to noncurrent loans | 72.5173% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 2.2640% | 2,153 |
| Noncurrent loans to loans | 2.4296% | 2,257 |
| Net loans and leases to total assets | 63.4770% | 5,376 |
| Net loans and leases to deposits | 77.9842% | 5,339 |
| Net loans and leases to core deposits | 96.2613% | 5,232 |
| Total domestic deposits to total assets | 81.3972% | 4,465 |
| Equity capital to assets | 11.9887% | 2,299 |
| Core capital (leverage) ratio | 12.4424% | 1,777 |
| Tier 1 risk-based capital ratio | 15.8933% | 2,709 |
| Total risk-based capital ratio | 17.1462% | 2,646 |
| Memoranda: | ||
| Average total assets | $430,665,200 | 1,589 |
| Average earning assets | $385,507,600 | 1,612 |
| Average equity | $51,833,400 | 1,301 |
| Average total loans | $270,977,400 | 1,766 |