Home > Southwestern National Bank > Performance and Condition Ratios
Southwestern National 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 | 6.6588% | 508 |
| Cost of funding earning assets | 3.1086% | 250 |
| Net interest margin | 3.5502% | 2,189 |
| Noninterest income to average assets | 0.6500% | 1,175 |
| Noninterest expense to average assets | 2.4132% | 2,543 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 1.2002% | 1,739 |
| Return on assets (ROA) | 1.1732% | 1,796 |
| Pretax return on assets | 1.4761% | 1,565 |
| Return on Equity (ROE) | 10.5300% | 2,166 |
| Retained earnings to average equity (ytd only) | 10.5311% | 1,075 |
| Net charge-offs to loans | -0.0498% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 60.0980% | 2,959 |
| Assets per employee ($millions) | 8.5660% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 2,215 |
| Loan loss allowance to noncurrent loans | 5,924.2991% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 3,623 |
| Noncurrent loans to loans | 0.0202% | 3,620 |
| Net loans and leases to total assets | 82.7400% | 337 |
| Net loans and leases to deposits | 95.3260% | 671 |
| Net loans and leases to core deposits | 139.2484% | 227 |
| Total domestic deposits to total assets | 86.8000% | 2,005 |
| Equity capital to assets | 10.9511% | 1,686 |
| Core capital (leverage) ratio | 11.5312% | 1,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4234% | 1,707 |
| Memoranda: | ||
| Average total assets | $1,239,996,500 | 863 |
| Average earning assets | $1,173,904,000 | 836 |
| Average equity | $138,143,000 | 806 |
| Average total loans | $1,044,301,000 | 744 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6863% | 569 |
| Cost of funding earning assets | 3.4850% | 196 |
| Net interest margin | 3.2013% | 2,720 |
| Noninterest income to average assets | 0.6600% | 1,305 |
| Noninterest expense to average assets | 2.2983% | 2,872 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 1.0766% | 1,819 |
| Return on assets (ROA) | 1.0766% | 1,825 |
| Pretax return on assets | 1.3256% | 1,687 |
| Return on Equity (ROE) | 9.6500% | 2,253 |
| Retained earnings to average equity (ytd only) | 9.6519% | 647 |
| Net charge-offs to loans | 0.0199% | 2,220 |
| Credit loss provision to net charge-offs | 509.1837% | 621 |
| Earnings coverage of net charge-offs (x) | 83.1173% | 909 |
| Efficiency ratio | 62.3756% | 2,899 |
| Assets per employee ($millions) | 8.5368% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 2,204 |
| Loan loss allowance to noncurrent loans | 2,862.6168% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 3,427 |
| Noncurrent loans to loans | 0.0417% | 3,451 |
| Net loans and leases to total assets | 83.7000% | 296 |
| Net loans and leases to deposits | 96.9030% | 649 |
| Net loans and leases to core deposits | 132.1853% | 340 |
| Total domestic deposits to total assets | 86.3800% | 2,088 |
| Equity capital to assets | 11.3388% | 1,445 |
| Core capital (leverage) ratio | 11.7682% | 1,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0272% | 1,514 |
| Memoranda: | ||
| Average total assets | $1,175,132,600 | 892 |
| Average earning assets | $1,109,470,800 | 866 |
| Average equity | $131,083,400 | 825 |
| Average total loans | $984,690,000 | 769 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6170% | 589 |
| Cost of funding earning assets | 3.5330% | 184 |
| Net interest margin | 3.0840% | 2,937 |
| Noninterest income to average assets | 0.6800% | 1,209 |
| Noninterest expense to average assets | 2.2386% | 2,976 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.0438% | 1,921 |
| Return on assets (ROA) | 1.0438% | 1,930 |
| Pretax return on assets | 1.2885% | 1,796 |
| Return on Equity (ROE) | 9.4000% | 2,357 |
| Retained earnings to average equity (ytd only) | 9.3976% | 997 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 62.3487% | 2,880 |
| Assets per employee ($millions) | 8.5996% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 1,991 |
| Loan loss allowance to noncurrent loans | 882.9480% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 2,941 |
| Noncurrent loans to loans | 0.1407% | 2,980 |
| Net loans and leases to total assets | 79.5700% | 683 |
| Net loans and leases to deposits | 90.1616% | 1,232 |
| Net loans and leases to core deposits | 127.2997% | 440 |
| Total domestic deposits to total assets | 88.2600% | 1,169 |
| Equity capital to assets | 11.0874% | 1,692 |
| Core capital (leverage) ratio | 11.2175% | 1,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1808% | 1,488 |
| Memoranda: | ||
| Average total assets | $1,165,858,750 | 885 |
| Average earning assets | $1,099,199,750 | 865 |
| Average equity | $129,491,250 | 821 |
| Average total loans | $974,132,250 | 772 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5297% | 611 |
| Cost of funding earning assets | 3.4707% | 188 |
| Net interest margin | 3.0591% | 2,940 |
| Noninterest income to average assets | 0.6800% | 1,149 |
| Noninterest expense to average assets | 2.2849% | 2,835 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 0.9716% | 2,083 |
| Return on assets (ROA) | 0.9716% | 2,081 |
| Pretax return on assets | 1.1947% | 1,947 |
| Return on Equity (ROE) | 8.7400% | 2,524 |
| Retained earnings to average equity (ytd only) | 8.7419% | 1,157 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 64.0494% | 2,765 |
| Assets per employee ($millions) | 8.4840% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 2,060 |
| Loan loss allowance to noncurrent loans | 1,218.3450% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 3,076 |
| Noncurrent loans to loans | 0.1013% | 3,137 |
| Net loans and leases to total assets | 81.1500% | 563 |
| Net loans and leases to deposits | 91.6791% | 1,154 |
| Net loans and leases to core deposits | 131.0349% | 386 |
| Total domestic deposits to total assets | 88.5200% | 1,155 |
| Equity capital to assets | 10.8348% | 1,644 |
| Core capital (leverage) ratio | 11.2055% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8787% | 1,563 |
| Memoranda: | ||
| Average total assets | $1,147,432,333 | 899 |
| Average earning assets | $1,083,012,667 | 876 |
| Average equity | $127,524,000 | 825 |
| Average total loans | $970,866,667 | 773 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3740% | 672 |
| Cost of funding earning assets | 3.3629% | 208 |
| Net interest margin | 3.0111% | 2,969 |
| Noninterest income to average assets | 0.6100% | 1,335 |
| Noninterest expense to average assets | 2.3940% | 2,529 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | 0.7766% | 2,612 |
| Return on assets (ROA) | 0.7766% | 2,626 |
| Pretax return on assets | 0.9743% | 2,458 |
| Return on Equity (ROE) | 6.8900% | 2,984 |
| Retained earnings to average equity (ytd only) | 6.8941% | 1,858 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 68.9954% | 2,273 |
| Assets per employee ($millions) | 7.8360% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 2,108 |
| Loan loss allowance to noncurrent loans | 3,351.9553% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 3,498 |
| Noncurrent loans to loans | 0.0367% | 3,507 |
| Net loans and leases to total assets | 85.3300% | 195 |
| Net loans and leases to deposits | 96.9044% | 654 |
| Net loans and leases to core deposits | 144.1740% | 242 |
| Total domestic deposits to total assets | 88.0500% | 1,407 |
| Equity capital to assets | 11.2467% | 1,410 |
| Core capital (leverage) ratio | 11.6301% | 1,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8438% | 1,594 |
| Memoranda: | ||
| Average total assets | $1,118,787,000 | 922 |
| Average earning assets | $1,060,992,000 | 893 |
| Average equity | $126,021,500 | 838 |
| Average total loans | $961,367,000 | 779 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9933% | 641 |
| Cost of funding earning assets | 2.6522% | 273 |
| Net interest margin | 3.3412% | 2,532 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.4504% | 2,443 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.8225% | 2,798 |
| Return on assets (ROA) | 0.8225% | 2,776 |
| Pretax return on assets | 1.0302% | 2,585 |
| Return on Equity (ROE) | 6.9400% | 3,299 |
| Retained earnings to average equity (ytd only) | 6.3311% | 2,124 |
| Net charge-offs to loans | 0.0006% | 2,880 |
| Credit loss provision to net charge-offs | 3,100.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 2,182.4000% | 70 |
| Efficiency ratio | 69.5230% | 1,951 |
| Assets per employee ($millions) | 7.9797% | 1,449 |
| Cash dividends to net income (ytd only)* | 8.7732% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 2,251 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 84.4300% | 244 |
| Net loans and leases to deposits | 95.9125% | 794 |
| Net loans and leases to core deposits | 141.0502% | 273 |
| Total domestic deposits to total assets | 88.0200% | 1,349 |
| Equity capital to assets | 11.2819% | 1,375 |
| Core capital (leverage) ratio | 11.8097% | 1,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2238% | 1,470 |
| Memoranda: | ||
| Average total assets | $1,015,850,600 | 973 |
| Average earning assets | $957,478,200 | 945 |
| Average equity | $120,389,600 | 823 |
| Average total loans | $862,994,400 | 817 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8753% | 625 |
| Cost of funding earning assets | 2.4917% | 280 |
| Net interest margin | 3.3836% | 2,489 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.5138% | 2,188 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.8267% | 2,941 |
| Return on assets (ROA) | 0.8267% | 2,928 |
| Pretax return on assets | 1.0482% | 2,716 |
| Return on Equity (ROE) | 6.8800% | 3,463 |
| Retained earnings to average equity (ytd only) | 6.0635% | 2,606 |
| Net charge-offs to loans | -0.0059% | 3,789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.9551% | 1,787 |
| Assets per employee ($millions) | 7.5116% | 1,621 |
| Cash dividends to net income (ytd only)* | 11.9110% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 2,054 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 87.5100% | 99 |
| Net loans and leases to deposits | 100.1736% | 505 |
| Net loans and leases to core deposits | 146.0941% | 167 |
| Total domestic deposits to total assets | 87.3600% | 1,779 |
| Equity capital to assets | 11.9524% | 1,048 |
| Core capital (leverage) ratio | 12.1665% | 1,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2092% | 1,501 |
| Memoranda: | ||
| Average total assets | $992,517,000 | 993 |
| Average earning assets | $934,064,500 | 967 |
| Average equity | $119,202,750 | 826 |
| Average total loans | $841,768,500 | 830 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7315% | 608 |
| Cost of funding earning assets | 2.3398% | 254 |
| Net interest margin | 3.3917% | 2,544 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.5109% | 2,178 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.8699% | 2,854 |
| Return on assets (ROA) | 0.8699% | 2,847 |
| Pretax return on assets | 1.1094% | 2,620 |
| Return on Equity (ROE) | 7.2300% | 3,429 |
| Retained earnings to average equity (ytd only) | 5.9914% | 2,624 |
| Net charge-offs to loans | -0.0090% | 3,884 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.2036% | 1,842 |
| Assets per employee ($millions) | 7.3979% | 1,667 |
| Cash dividends to net income (ytd only)* | 17.1462% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 1,802 |
| Loan loss allowance to noncurrent loans | 3,374.2604% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.4266% | 1,252 |
| Noncurrent loans to loans | 0.0394% | 3,449 |
| Net loans and leases to total assets | 84.1700% | 261 |
| Net loans and leases to deposits | 96.3299% | 715 |
| Net loans and leases to core deposits | 141.6905% | 200 |
| Total domestic deposits to total assets | 87.3700% | 1,813 |
| Equity capital to assets | 11.9846% | 1,053 |
| Core capital (leverage) ratio | 12.4629% | 1,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3639% | 1,470 |
| Memoranda: | ||
| Average total assets | $982,832,333 | 993 |
| Average earning assets | $923,067,000 | 966 |
| Average equity | $118,236,333 | 822 |
| Average total loans | $820,554,000 | 830 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5979% | 524 |
| Cost of funding earning assets | 2.1885% | 199 |
| Net interest margin | 3.4094% | 2,608 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.4127% | 2,493 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.8814% | 2,915 |
| Return on assets (ROA) | 0.8814% | 2,873 |
| Pretax return on assets | 1.1054% | 2,689 |
| Return on Equity (ROE) | 7.3100% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.3122% | 2,417 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.7069% | 2,006 |
| Assets per employee ($millions) | 7.1341% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 1,722 |
| Loan loss allowance to noncurrent loans | 5,406.6986% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 1,201 |
| Noncurrent loans to loans | 0.0254% | 3,585 |
| Net loans and leases to total assets | 83.6500% | 260 |
| Net loans and leases to deposits | 96.1564% | 641 |
| Net loans and leases to core deposits | 142.2368% | 168 |
| Total domestic deposits to total assets | 86.9900% | 2,267 |
| Equity capital to assets | 12.2972% | 918 |
| Core capital (leverage) ratio | 12.4724% | 1,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5971% | 1,465 |
| Memoranda: | ||
| Average total assets | $971,191,000 | 1,015 |
| Average earning assets | $910,778,000 | 1,000 |
| Average equity | $117,065,000 | 841 |
| Average total loans | $801,725,500 | 858 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8162% | 418 |
| Cost of funding earning assets | 0.7886% | 404 |
| Net interest margin | 4.0276% | 754 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.3438% | 2,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6668% | 585 |
| Return on assets (ROA) | 1.6668% | 557 |
| Pretax return on assets | 2.0685% | 406 |
| Return on Equity (ROE) | 13.9500% | 1,547 |
| Retained earnings to average equity (ytd only) | 13.9544% | 393 |
| Net charge-offs to loans | 0.0211% | 1,658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 119.4872% | 888 |
| Efficiency ratio | 53.1199% | 3,866 |
| Assets per employee ($millions) | 8.1012% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9319% | 492 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4067% | 1,262 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 78.7400% | 726 |
| Net loans and leases to deposits | 90.4222% | 1,021 |
| Net loans and leases to core deposits | 132.8013% | 200 |
| Total domestic deposits to total assets | 87.0800% | 2,369 |
| Equity capital to assets | 11.8108% | 989 |
| Core capital (leverage) ratio | 12.3578% | 1,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7440% | 1,422 |
| Memoranda: | ||
| Average total assets | $901,147,400 | 1,077 |
| Average earning assets | $847,288,200 | 1,060 |
| Average equity | $107,636,600 | 899 |
| Average total loans | $738,551,000 | 866 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 378 |
| Cost of funding earning assets | 0.5270% | 653 |
| Net interest margin | 4.1342% | 482 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.3181% | 2,581 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6184% | 631 |
| Return on assets (ROA) | 1.6184% | 611 |
| Pretax return on assets | 2.0110% | 458 |
| Return on Equity (ROE) | 13.5100% | 1,562 |
| Retained earnings to average equity (ytd only) | 13.5079% | 539 |
| Net charge-offs to loans | 0.0286% | 1,262 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 85.4103% | 1,015 |
| Efficiency ratio | 53.5474% | 3,858 |
| Assets per employee ($millions) | 7.2901% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9748% | 523 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 1,245 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 82.8100% | 329 |
| Net loans and leases to deposits | 95.8367% | 563 |
| Net loans and leases to core deposits | 127.2796% | 170 |
| Total domestic deposits to total assets | 86.4000% | 2,960 |
| Equity capital to assets | 12.1785% | 851 |
| Core capital (leverage) ratio | 12.6707% | 1,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6121% | 1,532 |
| Memoranda: | ||
| Average total assets | $883,398,000 | 1,099 |
| Average earning assets | $832,085,750 | 1,078 |
| Average equity | $105,841,250 | 920 |
| Average total loans | $728,047,500 | 873 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 393 |
| Cost of funding earning assets | 0.4060% | 881 |
| Net interest margin | 4.0601% | 433 |
| Noninterest income to average assets | 0.4415% | 2,497 |
| Noninterest expense to average assets | 2.3597% | 2,371 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5039% | 701 |
| Return on assets (ROA) | 1.5039% | 677 |
| Pretax return on assets | 1.9107% | 457 |
| Return on Equity (ROE) | 12.6235% | 1,486 |
| Retained earnings to average equity (ytd only) | 12.6235% | 513 |
| Net charge-offs to loans | 0.0436% | 952 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 53.6795% | 1,132 |
| Efficiency ratio | 55.2575% | 3,849 |
| Assets per employee ($millions) | 7.2487% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0651% | 485 |
| Loan loss allowance to noncurrent loans | 669.6270% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7018% | 767 |
| Noncurrent loans to loans | 0.3084% | 2,230 |
| Net loans and leases to total assets | 80.8703% | 347 |
| Net loans and leases to deposits | 94.2670% | 505 |
| Net loans and leases to core deposits | 113.8136% | 282 |
| Total domestic deposits to total assets | 85.7886% | 3,302 |
| Equity capital to assets | 12.0359% | 859 |
| Core capital (leverage) ratio | 12.2739% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7513% | 1,497 |
| Memoranda: | ||
| Average total assets | $876,539,000 | 1,101 |
| Average earning assets | $826,634,667 | 1,085 |
| Average equity | $104,424,667 | 938 |
| Average total loans | $716,190,333 | 873 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3697% | 396 |
| Cost of funding earning assets | 0.3826% | 973 |
| Net interest margin | 3.9871% | 427 |
| Noninterest income to average assets | 0.5496% | 1,899 |
| Noninterest expense to average assets | 2.3089% | 2,471 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6016% | 505 |
| Return on assets (ROA) | 1.6016% | 505 |
| Pretax return on assets | 2.0196% | 335 |
| Return on Equity (ROE) | 13.5141% | 931 |
| Retained earnings to average equity (ytd only) | 13.5141% | 417 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3411% | 4,097 |
| Assets per employee ($millions) | 7.7964% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1354% | 498 |
| Loan loss allowance to noncurrent loans | 385.0392% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 1,371 |
| Noncurrent loans to loans | 0.5546% | 1,653 |
| Net loans and leases to total assets | 78.5623% | 334 |
| Net loans and leases to deposits | 91.7947% | 439 |
| Net loans and leases to core deposits | 111.1401% | 235 |
| Total domestic deposits to total assets | 85.5848% | 3,388 |
| Equity capital to assets | 11.7693% | 1,031 |
| Core capital (leverage) ratio | 12.0038% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6031% | 1,617 |
| Memoranda: | ||
| Average total assets | $872,639,500 | 1,108 |
| Average earning assets | $827,061,500 | 1,088 |
| Average equity | $103,418,000 | 965 |
| Average total loans | $709,162,000 | 871 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8371% | 343 |
| Cost of funding earning assets | 0.4817% | 1,001 |
| Net interest margin | 4.3554% | 366 |
| Noninterest income to average assets | 0.3902% | 3,099 |
| Noninterest expense to average assets | 2.3042% | 2,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7321% | 594 |
| Return on assets (ROA) | 1.7321% | 614 |
| Pretax return on assets | 2.2065% | 405 |
| Return on Equity (ROE) | 14.9280% | 968 |
| Retained earnings to average equity (ytd only) | 14.9280% | 229 |
| Net charge-offs to loans | -0.0473% | 4,307 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0835% | 4,195 |
| Assets per employee ($millions) | 7.4477% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1616% | 476 |
| Loan loss allowance to noncurrent loans | 1,189.3833% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 2,898 |
| Noncurrent loans to loans | 0.1817% | 3,032 |
| Net loans and leases to total assets | 80.5145% | 244 |
| Net loans and leases to deposits | 93.9719% | 383 |
| Net loans and leases to core deposits | 113.1965% | 240 |
| Total domestic deposits to total assets | 85.6793% | 3,023 |
| Equity capital to assets | 11.9362% | 1,275 |
| Core capital (leverage) ratio | 11.9001% | 1,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5739% | 1,659 |
| Memoranda: | ||
| Average total assets | $812,345,000 | 1,147 |
| Average earning assets | $768,513,800 | 1,133 |
| Average equity | $94,258,800 | 1,060 |
| Average total loans | $661,665,400 | 923 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 311 |
| Cost of funding earning assets | 0.5120% | 991 |
| Net interest margin | 4.4676% | 333 |
| Noninterest income to average assets | 0.4364% | 2,901 |
| Noninterest expense to average assets | 2.2756% | 2,823 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8794% | 580 |
| Return on assets (ROA) | 1.8794% | 602 |
| Pretax return on assets | 2.3812% | 402 |
| Return on Equity (ROE) | 16.3221% | 885 |
| Retained earnings to average equity (ytd only) | 16.3221% | 276 |
| Net charge-offs to loans | -0.0748% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8655% | 4,305 |
| Assets per employee ($millions) | 7.7737% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2367% | 430 |
| Loan loss allowance to noncurrent loans | 243.8507% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.7331% | 1,005 |
| Noncurrent loans to loans | 0.9173% | 1,259 |
| Net loans and leases to total assets | 78.1373% | 397 |
| Net loans and leases to deposits | 91.2651% | 528 |
| Net loans and leases to core deposits | 109.1458% | 342 |
| Total domestic deposits to total assets | 85.6158% | 2,907 |
| Equity capital to assets | 11.6502% | 1,573 |
| Core capital (leverage) ratio | 11.9623% | 1,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3875% | 1,833 |
| Memoranda: | ||
| Average total assets | $801,308,750 | 1,169 |
| Average earning assets | $756,955,250 | 1,153 |
| Average equity | $92,265,500 | 1,093 |
| Average total loans | $650,873,000 | 948 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2524% | 238 |
| Cost of funding earning assets | 0.5458% | 962 |
| Net interest margin | 4.7066% | 259 |
| Noninterest income to average assets | 0.4644% | 2,784 |
| Noninterest expense to average assets | 2.2521% | 2,913 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1201% | 390 |
| Return on assets (ROA) | 2.1201% | 409 |
| Pretax return on assets | 2.6572% | 277 |
| Return on Equity (ROE) | 18.4917% | 596 |
| Retained earnings to average equity (ytd only) | 18.4917% | 206 |
| Net charge-offs to loans | -0.1141% | 4,664 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8734% | 4,521 |
| Assets per employee ($millions) | 7.2655% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2551% | 398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 82.9088% | 177 |
| Net loans and leases to deposits | 97.7171% | 321 |
| Net loans and leases to core deposits | 116.9689% | 255 |
| Total domestic deposits to total assets | 84.8458% | 3,162 |
| Equity capital to assets | 12.0964% | 1,318 |
| Core capital (leverage) ratio | 12.2961% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8051% | 1,387 |
| Memoranda: | ||
| Average total assets | $783,375,000 | 1,184 |
| Average earning assets | $739,813,333 | 1,163 |
| Average equity | $89,813,333 | 1,108 |
| Average total loans | $640,015,000 | 967 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3477% | 222 |
| Cost of funding earning assets | 0.5779% | 972 |
| Net interest margin | 4.7697% | 250 |
| Noninterest income to average assets | 0.6169% | 2,138 |
| Noninterest expense to average assets | 2.2557% | 2,925 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2975% | 362 |
| Return on assets (ROA) | 2.2975% | 388 |
| Pretax return on assets | 2.8695% | 275 |
| Return on Equity (ROE) | 20.6245% | 496 |
| Retained earnings to average equity (ytd only) | 20.6245% | 250 |
| Net charge-offs to loans | -0.2351% | 4,813 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0117% | 4,578 |
| Assets per employee ($millions) | 7.6775% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4301% | 293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 79.1533% | 387 |
| Net loans and leases to deposits | 93.8416% | 501 |
| Net loans and leases to core deposits | 113.6800% | 330 |
| Total domestic deposits to total assets | 84.3478% | 3,321 |
| Equity capital to assets | 11.9717% | 1,304 |
| Core capital (leverage) ratio | 12.2037% | 1,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7322% | 1,376 |
| Memoranda: | ||
| Average total assets | $775,461,500 | 1,175 |
| Average earning assets | $732,954,500 | 1,163 |
| Average equity | $86,382,500 | 1,137 |
| Average total loans | $621,074,500 | 989 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9560% | 533 |
| Cost of funding earning assets | 1.0189% | 553 |
| Net interest margin | 3.9371% | 1,121 |
| Noninterest income to average assets | 0.5620% | 2,366 |
| Noninterest expense to average assets | 2.2846% | 3,448 |
| Loan and lease loss provision to assets | 1.4080% | 49 |
| Net operating income to assets | 0.4815% | 4,067 |
| Return on assets (ROA) | 0.4961% | 4,123 |
| Pretax return on assets | 0.6089% | 4,062 |
| Return on Equity (ROE) | 4.6286% | 3,997 |
| Retained earnings to average equity (ytd only) | 4.6286% | 2,464 |
| Net charge-offs to loans | 0.0230% | 2,587 |
| Credit loss provision to net charge-offs | 7,609.3750% | 141 |
| Earnings coverage of net charge-offs (x) | 108.0234% | 747 |
| Efficiency ratio | 53.3360% | 4,274 |
| Assets per employee ($millions) | 7.3857% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4339% | 281 |
| Loan loss allowance to noncurrent loans | 1,467.2566% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 3,629 |
| Noncurrent loans to loans | 0.1659% | 3,614 |
| Net loans and leases to total assets | 77.1331% | 686 |
| Net loans and leases to deposits | 90.3851% | 903 |
| Net loans and leases to core deposits | 109.0813% | 540 |
| Total domestic deposits to total assets | 85.3382% | 2,640 |
| Equity capital to assets | 10.3074% | 2,825 |
| Core capital (leverage) ratio | 10.5666% | 2,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2933% | 2,126 |
| Memoranda: | ||
| Average total assets | $691,769,000 | 1,196 |
| Average earning assets | $653,854,600 | 1,176 |
| Average equity | $74,148,400 | 1,232 |
| Average total loans | $556,155,600 | 1,046 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9834% | 624 |
| Cost of funding earning assets | 1.1246% | 488 |
| Net interest margin | 3.8588% | 1,451 |
| Noninterest income to average assets | 0.6549% | 1,964 |
| Noninterest expense to average assets | 2.3490% | 3,288 |
| Loan and lease loss provision to assets | 1.7328% | 45 |
| Net operating income to assets | 0.1854% | 4,611 |
| Return on assets (ROA) | 0.2065% | 4,622 |
| Pretax return on assets | 0.2423% | 4,612 |
| Return on Equity (ROE) | 1.9054% | 4,560 |
| Retained earnings to average equity (ytd only) | 1.9054% | 3,961 |
| Net charge-offs to loans | -0.0007% | 3,802 |
| Credit loss provision to net charge-offs | -290,600.0000% | 4,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6392% | 4,085 |
| Assets per employee ($millions) | 7.1441% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3053% | 295 |
| Loan loss allowance to noncurrent loans | 1,108.2938% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 3,586 |
| Noncurrent loans to loans | 0.2080% | 3,550 |
| Net loans and leases to total assets | 78.5177% | 767 |
| Net loans and leases to deposits | 92.3613% | 1,043 |
| Net loans and leases to core deposits | 113.3123% | 582 |
| Total domestic deposits to total assets | 85.0114% | 2,433 |
| Equity capital to assets | 9.5813% | 3,623 |
| Core capital (leverage) ratio | 10.0654% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3506% | 2,476 |
| Memoranda: | ||
| Average total assets | $670,836,250 | 1,202 |
| Average earning assets | $633,549,000 | 1,190 |
| Average equity | $72,702,000 | 1,238 |
| Average total loans | $541,922,250 | 1,060 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1461% | 630 |
| Cost of funding earning assets | 1.2556% | 426 |
| Net interest margin | 3.8905% | 1,592 |
| Noninterest income to average assets | 0.4997% | 2,563 |
| Noninterest expense to average assets | 2.4697% | 3,047 |
| Loan and lease loss provision to assets | 0.6283% | 491 |
| Net operating income to assets | 0.8598% | 2,840 |
| Return on assets (ROA) | 0.8909% | 2,845 |
| Pretax return on assets | 1.1074% | 2,693 |
| Return on Equity (ROE) | 7.8625% | 2,805 |
| Retained earnings to average equity (ytd only) | 7.8625% | 1,345 |
| Net charge-offs to loans | -0.0158% | 4,340 |
| Credit loss provision to net charge-offs | -4,919.5122% | 4,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2748% | 3,518 |
| Assets per employee ($millions) | 6.9162% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,257 |
| Loan loss allowance to noncurrent loans | 533.2127% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 3,573 |
| Noncurrent loans to loans | 0.2343% | 3,536 |
| Net loans and leases to total assets | 80.9650% | 501 |
| Net loans and leases to deposits | 96.5523% | 752 |
| Net loans and leases to core deposits | 118.9624% | 455 |
| Total domestic deposits to total assets | 83.8561% | 2,798 |
| Equity capital to assets | 10.3373% | 2,897 |
| Core capital (leverage) ratio | 10.9308% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9807% | 2,190 |
| Memoranda: | ||
| Average total assets | $642,022,333 | 1,227 |
| Average earning assets | $605,118,667 | 1,216 |
| Average equity | $72,750,333 | 1,227 |
| Average total loans | $519,699,667 | 1,083 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0032% | 962 |
| Cost of funding earning assets | 1.4297% | 348 |
| Net interest margin | 3.5735% | 2,758 |
| Noninterest income to average assets | 0.6855% | 1,697 |
| Noninterest expense to average assets | 2.5754% | 3,062 |
| Loan and lease loss provision to assets | 0.3467% | 884 |
| Net operating income to assets | 0.9036% | 2,514 |
| Return on assets (ROA) | 0.9698% | 2,386 |
| Pretax return on assets | 1.2065% | 2,172 |
| Return on Equity (ROE) | 8.1336% | 2,464 |
| Retained earnings to average equity (ytd only) | 8.1336% | 1,194 |
| Net charge-offs to loans | -0.0025% | 3,691 |
| Credit loss provision to net charge-offs | -17,433.3333% | 4,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6572% | 3,290 |
| Assets per employee ($millions) | 6.0425% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 2,933 |
| Loan loss allowance to noncurrent loans | 160.4894% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.5901% | 2,232 |
| Noncurrent loans to loans | 0.7166% | 2,208 |
| Net loans and leases to total assets | 81.4010% | 518 |
| Net loans and leases to deposits | 95.1347% | 987 |
| Net loans and leases to core deposits | 113.7449% | 674 |
| Total domestic deposits to total assets | 85.5640% | 2,186 |
| Equity capital to assets | 11.7805% | 2,228 |
| Core capital (leverage) ratio | 11.9534% | 1,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $603,393,000 | 1,256 |
| Average earning assets | $567,400,500 | 1,238 |
| Average equity | $71,948,500 | 1,238 |
| Average total loans | $484,682,000 | 1,120 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9705% | 1,548 |
| Cost of funding earning assets | 1.3488% | 663 |
| Net interest margin | 3.6217% | 3,071 |
| Noninterest income to average assets | 0.5744% | 2,340 |
| Noninterest expense to average assets | 2.6561% | 3,011 |
| Loan and lease loss provision to assets | 0.2161% | 909 |
| Net operating income to assets | 0.8742% | 3,303 |
| Return on assets (ROA) | 0.8845% | 3,351 |
| Pretax return on assets | 1.0861% | 3,215 |
| Return on Equity (ROE) | 6.8420% | 3,612 |
| Retained earnings to average equity (ytd only) | 6.4528% | 1,637 |
| Net charge-offs to loans | 0.0144% | 3,190 |
| Credit loss provision to net charge-offs | 2,026.4151% | 183 |
| Earnings coverage of net charge-offs (x) | 120.9057% | 585 |
| Efficiency ratio | 67.3161% | 2,560 |
| Assets per employee ($millions) | 5.6233% | 1,950 |
| Cash dividends to net income (ytd only)* | 5.6883% | 3,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 2,696 |
| Loan loss allowance to noncurrent loans | 3,540.6667% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 4,213 |
| Noncurrent loans to loans | 0.0325% | 4,433 |
| Net loans and leases to total assets | 77.3160% | 1,201 |
| Net loans and leases to deposits | 91.3901% | 1,446 |
| Net loans and leases to core deposits | 109.7913% | 865 |
| Total domestic deposits to total assets | 84.6000% | 2,643 |
| Equity capital to assets | 12.0737% | 2,092 |
| Core capital (leverage) ratio | 12.8104% | 1,328 |
| Tier 1 risk-based capital ratio | 14.2544% | 3,140 |
| Total risk-based capital ratio | 15.3202% | 3,140 |
| Memoranda: | ||
| Average total assets | $496,893,800 | 1,432 |
| Average earning assets | $462,549,600 | 1,430 |
| Average equity | $64,235,400 | 1,312 |
| Average total loans | $367,294,800 | 1,365 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9248% | 1,749 |
| Cost of funding earning assets | 1.3251% | 730 |
| Net interest margin | 3.5998% | 3,254 |
| Noninterest income to average assets | 0.6524% | 1,978 |
| Noninterest expense to average assets | 2.6184% | 3,114 |
| Loan and lease loss provision to assets | 0.0873% | 2,172 |
| Net operating income to assets | 1.0385% | 2,827 |
| Return on assets (ROA) | 1.0528% | 2,864 |
| Pretax return on assets | 1.2989% | 2,676 |
| Return on Equity (ROE) | 7.9799% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.4463% | 1,652 |
| Net charge-offs to loans | -0.0334% | 4,725 |
| Credit loss provision to net charge-offs | -360.4651% | 4,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6755% | 2,773 |
| Assets per employee ($millions) | 5.0182% | 2,541 |
| Cash dividends to net income (ytd only)* | 6.6864% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 3,032 |
| Loan loss allowance to noncurrent loans | 197.7628% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5647% | 2,315 |
| Noncurrent loans to loans | 0.5562% | 2,629 |
| Net loans and leases to total assets | 81.4978% | 631 |
| Net loans and leases to deposits | 98.6857% | 752 |
| Net loans and leases to core deposits | 116.6593% | 633 |
| Total domestic deposits to total assets | 82.5831% | 3,287 |
| Equity capital to assets | 13.6520% | 1,293 |
| Core capital (leverage) ratio | 14.2895% | 908 |
| Tier 1 risk-based capital ratio | 15.2609% | 2,734 |
| Total risk-based capital ratio | 16.2771% | 2,767 |
| Memoranda: | ||
| Average total assets | $473,505,500 | 1,499 |
| Average earning assets | $438,608,750 | 1,494 |
| Average equity | $62,472,000 | 1,336 |
| Average total loans | $343,663,250 | 1,459 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 2,024 |
| Cost of funding earning assets | 1.3336% | 677 |
| Net interest margin | 3.4779% | 3,666 |
| Noninterest income to average assets | 0.6348% | 2,001 |
| Noninterest expense to average assets | 2.5723% | 3,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0334% | 2,788 |
| Return on assets (ROA) | 1.0334% | 2,872 |
| Pretax return on assets | 1.2622% | 2,704 |
| Return on Equity (ROE) | 7.9365% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.1000% | 1,760 |
| Net charge-offs to loans | -0.0291% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0833% | 2,672 |
| Assets per employee ($millions) | 4.5354% | 3,079 |
| Cash dividends to net income (ytd only)* | 10.5396% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 2,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 4,090 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 70.8949% | 2,407 |
| Net loans and leases to deposits | 84.2393% | 2,469 |
| Net loans and leases to core deposits | 100.1725% | 1,707 |
| Total domestic deposits to total assets | 84.1589% | 2,793 |
| Equity capital to assets | 13.4631% | 1,340 |
| Core capital (leverage) ratio | 13.5366% | 1,101 |
| Tier 1 risk-based capital ratio | 16.1942% | 2,330 |
| Total risk-based capital ratio | 17.2826% | 2,342 |
| Memoranda: | ||
| Average total assets | $459,048,000 | 1,533 |
| Average earning assets | $422,325,330 | 1,546 |
| Average equity | $59,774,670 | 1,379 |
| Average total loans | $316,241,330 | 1,559 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6271% | 2,447 |
| Cost of funding earning assets | 1.2721% | 722 |
| Net interest margin | 3.3550% | 4,021 |
| Noninterest income to average assets | 0.4953% | 2,581 |
| Noninterest expense to average assets | 2.5212% | 3,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8532% | 3,438 |
| Return on assets (ROA) | 0.8532% | 3,481 |
| Pretax return on assets | 1.0317% | 3,340 |
| Return on Equity (ROE) | 6.6736% | 3,781 |
| Retained earnings to average equity (ytd only) | 4.9284% | 2,936 |
| Net charge-offs to loans | -0.0305% | 4,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9621% | 2,193 |
| Assets per employee ($millions) | 4.7340% | 2,872 |
| Cash dividends to net income (ytd only)* | 26.1506% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 1,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 4,122 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 64.7436% | 3,202 |
| Net loans and leases to deposits | 77.7834% | 3,085 |
| Net loans and leases to core deposits | 93.3201% | 2,184 |
| Total domestic deposits to total assets | 83.2358% | 3,303 |
| Equity capital to assets | 13.2724% | 1,307 |
| Core capital (leverage) ratio | 14.2516% | 879 |
| Tier 1 risk-based capital ratio | 17.6142% | 1,908 |
| Total risk-based capital ratio | 18.8335% | 1,872 |
| Memoranda: | ||
| Average total assets | $448,197,000 | 1,579 |
| Average earning assets | $408,466,500 | 1,602 |
| Average equity | $57,300,000 | 1,411 |
| Average total loans | $301,781,000 | 1,623 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5102% | 2,431 |
| Cost of funding earning assets | 0.9838% | 806 |
| Net interest margin | 3.5263% | 3,614 |
| Noninterest income to average assets | 0.5548% | 2,519 |
| Noninterest expense to average assets | 2.5820% | 3,391 |
| Loan and lease loss provision to assets | -0.0183% | 5,131 |
| Net operating income to assets | 1.4414% | 1,304 |
| Return on assets (ROA) | 1.4414% | 1,292 |
| Pretax return on assets | 1.2146% | 2,831 |
| Return on Equity (ROE) | 12.0014% | 1,713 |
| Retained earnings to average equity (ytd only) | 8.6854% | 987 |
| Net charge-offs to loans | -0.0494% | 4,974 |
| Credit loss provision to net charge-offs | 56.3910% | 3,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3384% | 2,489 |
| Assets per employee ($millions) | 4.5484% | 3,091 |
| Cash dividends to net income (ytd only)* | 27.6300% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 1,400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 4,075 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 68.1959% | 2,857 |
| Net loans and leases to deposits | 81.3085% | 2,815 |
| Net loans and leases to core deposits | 96.2661% | 2,042 |
| Total domestic deposits to total assets | 83.8730% | 3,040 |
| Equity capital to assets | 12.2386% | 1,735 |
| Core capital (leverage) ratio | 12.4554% | 1,479 |
| Tier 1 risk-based capital ratio | 15.6918% | 2,535 |
| Total risk-based capital ratio | 16.9421% | 2,465 |
| Memoranda: | ||
| Average total assets | $409,531,600 | 1,674 |
| Average earning assets | $374,354,600 | 1,702 |
| Average equity | $49,186,000 | 1,535 |
| Average total loans | $269,160,400 | 1,734 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4265% | 2,541 |
| Cost of funding earning assets | 0.9180% | 852 |
| Net interest margin | 3.5085% | 3,669 |
| Noninterest income to average assets | 0.6145% | 2,240 |
| Noninterest expense to average assets | 2.5572% | 3,420 |
| Loan and lease loss provision to assets | -0.0246% | 5,250 |
| Net operating income to assets | 1.3012% | 1,848 |
| Return on assets (ROA) | 1.3012% | 1,850 |
| Pretax return on assets | 1.3012% | 2,623 |
| Return on Equity (ROE) | 10.8883% | 2,226 |
| Retained earnings to average equity (ytd only) | 6.4083% | 2,430 |
| Net charge-offs to loans | -0.0436% | 4,881 |
| Credit loss provision to net charge-offs | 87.2093% | 2,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7009% | 2,762 |
| Assets per employee ($millions) | 4.7526% | 2,782 |
| Cash dividends to net income (ytd only)* | 41.1453% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5405% | 1,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 4,024 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 65.5875% | 3,231 |
| Net loans and leases to deposits | 78.0025% | 3,238 |
| Net loans and leases to core deposits | 92.7272% | 2,413 |
| Total domestic deposits to total assets | 84.0839% | 2,914 |
| Equity capital to assets | 11.8933% | 1,976 |
| Core capital (leverage) ratio | 12.2307% | 1,656 |
| Tier 1 risk-based capital ratio | 15.8613% | 2,498 |
| Total risk-based capital ratio | 17.1125% | 2,435 |
| Memoranda: | ||
| Average total assets | $406,164,750 | 1,696 |
| Average earning assets | $372,687,750 | 1,711 |
| Average equity | $48,540,250 | 1,551 |
| Average total loans | $263,261,250 | 1,773 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3416% | 2,621 |
| Cost of funding earning assets | 0.8554% | 894 |
| Net interest margin | 3.4863% | 3,682 |
| Noninterest income to average assets | 0.5860% | 2,400 |
| Noninterest expense to average assets | 2.5245% | 3,570 |
| Loan and lease loss provision to assets | -0.0312% | 5,344 |
| Net operating income to assets | 1.2890% | 1,818 |
| Return on assets (ROA) | 1.2890% | 1,815 |
| Pretax return on assets | 1.2890% | 2,560 |
| Return on Equity (ROE) | 10.7680% | 2,201 |
| Retained earnings to average equity (ytd only) | 7.2463% | 1,955 |
| Net charge-offs to loans | -0.0494% | 4,919 |
| Credit loss provision to net charge-offs | 98.4375% | 2,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7453% | 2,858 |
| Assets per employee ($millions) | 4.5448% | 3,062 |
| Cash dividends to net income (ytd only)* | 32.7056% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 1,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 4,046 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 65.4160% | 3,223 |
| Net loans and leases to deposits | 77.9460% | 3,169 |
| Net loans and leases to core deposits | 92.4070% | 2,365 |
| Total domestic deposits to total assets | 83.9249% | 3,099 |
| Equity capital to assets | 12.0928% | 1,788 |
| Core capital (leverage) ratio | 12.3016% | 1,538 |
| Tier 1 risk-based capital ratio | 16.1122% | 2,400 |
| Total risk-based capital ratio | 17.3640% | 2,332 |
| Memoranda: | ||
| Average total assets | $403,728,000 | 1,709 |
| Average earning assets | $370,139,670 | 1,737 |
| Average equity | $48,328,330 | 1,563 |
| Average total loans | $259,204,670 | 1,797 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2155% | 2,836 |
| Cost of funding earning assets | 0.8094% | 912 |
| Net interest margin | 3.4060% | 3,866 |
| Noninterest income to average assets | 0.4988% | 2,807 |
| Noninterest expense to average assets | 2.5963% | 3,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0324% | 2,725 |
| Return on assets (ROA) | 1.0324% | 2,743 |
| Pretax return on assets | 1.0324% | 3,422 |
| Return on Equity (ROE) | 8.6686% | 3,076 |
| Retained earnings to average equity (ytd only) | 5.0796% | 3,132 |
| Net charge-offs to loans | -0.0456% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5496% | 2,259 |
| Assets per employee ($millions) | 4.5124% | 3,133 |
| Cash dividends to net income (ytd only)* | 41.4025% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6308% | 1,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 4,165 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 62.5783% | 3,477 |
| Net loans and leases to deposits | 73.9584% | 3,419 |
| Net loans and leases to core deposits | 85.5030% | 2,845 |
| Total domestic deposits to total assets | 84.6128% | 3,069 |
| Equity capital to assets | 11.6733% | 2,009 |
| Core capital (leverage) ratio | 12.1389% | 1,561 |
| Tier 1 risk-based capital ratio | 15.9707% | 2,487 |
| Total risk-based capital ratio | 17.2226% | 2,428 |
| Memoranda: | ||
| Average total assets | $403,348,000 | 1,721 |
| Average earning assets | $370,635,500 | 1,738 |
| Average equity | $48,035,500 | 1,579 |
| Average total loans | $254,391,000 | 1,832 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0738% | 3,158 |
| Cost of funding earning assets | 0.6851% | 1,110 |
| Net interest margin | 3.3887% | 3,886 |
| Noninterest income to average assets | 0.6005% | 2,444 |
| Noninterest expense to average assets | 2.4899% | 3,818 |
| Loan and lease loss provision to assets | -0.0011% | 5,283 |
| Net operating income to assets | 1.2131% | 1,480 |
| Return on assets (ROA) | 1.2211% | 1,475 |
| Pretax return on assets | 1.2211% | 2,682 |
| Return on Equity (ROE) | 9.7241% | 2,006 |
| Retained earnings to average equity (ytd only) | 5.9772% | 1,551 |
| Net charge-offs to loans | -0.3060% | 5,571 |
| Credit loss provision to net charge-offs | 0.5926% | 3,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2592% | 3,040 |
| Assets per employee ($millions) | 4.3524% | 3,407 |
| Cash dividends to net income (ytd only)* | 38.5323% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7091% | 930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 4,179 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 61.4357% | 3,687 |
| Net loans and leases to deposits | 73.2275% | 3,573 |
| Net loans and leases to core deposits | 83.4669% | 3,108 |
| Total domestic deposits to total assets | 83.8970% | 3,244 |
| Equity capital to assets | 12.1537% | 1,731 |
| Core capital (leverage) ratio | 12.2382% | 1,479 |
| Tier 1 risk-based capital ratio | 16.7056% | 2,196 |
| Total risk-based capital ratio | 17.9589% | 2,143 |
| Memoranda: | ||
| Average total assets | $373,832,800 | 1,816 |
| Average earning assets | $342,136,400 | 1,827 |
| Average equity | $46,945,000 | 1,603 |
| Average total loans | $220,603,000 | 1,996 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0310% | 3,243 |
| Cost of funding earning assets | 0.6613% | 1,175 |
| Net interest margin | 3.3698% | 3,950 |
| Noninterest income to average assets | 0.6368% | 2,273 |
| Noninterest expense to average assets | 2.4662% | 3,835 |
| Loan and lease loss provision to assets | -0.0014% | 5,436 |
| Net operating income to assets | 1.2548% | 1,494 |
| Return on assets (ROA) | 1.2657% | 1,480 |
| Pretax return on assets | 1.2657% | 2,646 |
| Return on Equity (ROE) | 9.9925% | 2,136 |
| Retained earnings to average equity (ytd only) | 6.6684% | 1,864 |
| Net charge-offs to loans | -0.3928% | 5,636 |
| Credit loss provision to net charge-offs | 0.6349% | 3,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3033% | 3,161 |
| Assets per employee ($millions) | 4.2148% | 3,618 |
| Cash dividends to net income (ytd only)* | 33.2666% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8206% | 823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 4,304 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 58.8566% | 3,977 |
| Net loans and leases to deposits | 70.5655% | 3,915 |
| Net loans and leases to core deposits | 79.4767% | 3,491 |
| Total domestic deposits to total assets | 83.4071% | 3,325 |
| Equity capital to assets | 12.5916% | 1,608 |
| Core capital (leverage) ratio | 12.6771% | 1,340 |
| Tier 1 risk-based capital ratio | 17.4559% | 2,021 |
| Total risk-based capital ratio | 18.7094% | 1,970 |
| Memoranda: | ||
| Average total assets | $368,274,000 | 1,851 |
| Average earning assets | $336,909,500 | 1,866 |
| Average equity | $46,647,000 | 1,630 |
| Average total loans | $213,864,250 | 2,056 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9628% | 3,339 |
| Cost of funding earning assets | 0.6339% | 1,236 |
| Net interest margin | 3.3289% | 4,020 |
| Noninterest income to average assets | 0.5149% | 2,931 |
| Noninterest expense to average assets | 2.4649% | 3,868 |
| Loan and lease loss provision to assets | -0.0022% | 5,519 |
| Net operating income to assets | 1.0915% | 2,016 |
| Return on assets (ROA) | 1.1080% | 1,987 |
| Pretax return on assets | 1.1080% | 3,145 |
| Return on Equity (ROE) | 8.7293% | 2,648 |
| Retained earnings to average equity (ytd only) | 5.7747% | 2,246 |
| Net charge-offs to loans | -0.5822% | 5,702 |
| Credit loss provision to net charge-offs | 0.6590% | 2,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3523% | 2,794 |
| Assets per employee ($millions) | 4.2025% | 3,613 |
| Cash dividends to net income (ytd only)* | 33.8469% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8864% | 740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 4,349 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 58.5485% | 3,972 |
| Net loans and leases to deposits | 70.5288% | 3,871 |
| Net loans and leases to core deposits | 77.3988% | 3,644 |
| Total domestic deposits to total assets | 83.0136% | 3,564 |
| Equity capital to assets | 12.8203% | 1,462 |
| Core capital (leverage) ratio | 12.8658% | 1,233 |
| Tier 1 risk-based capital ratio | 17.8411% | 1,907 |
| Total risk-based capital ratio | 19.0953% | 1,855 |
| Memoranda: | ||
| Average total assets | $363,182,330 | 1,873 |
| Average earning assets | $331,581,330 | 1,897 |
| Average equity | $46,097,670 | 1,647 |
| Average total loans | $208,509,000 | 2,097 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8406% | 3,618 |
| Cost of funding earning assets | 0.6053% | 1,339 |
| Net interest margin | 3.2353% | 4,227 |
| Noninterest income to average assets | 0.5346% | 2,742 |
| Noninterest expense to average assets | 2.4665% | 3,918 |
| Loan and lease loss provision to assets | -0.0044% | 5,644 |
| Net operating income to assets | 1.0371% | 2,136 |
| Return on assets (ROA) | 1.0371% | 2,185 |
| Pretax return on assets | 1.0371% | 3,211 |
| Return on Equity (ROE) | 8.2129% | 2,802 |
| Retained earnings to average equity (ytd only) | 5.4929% | 2,599 |
| Net charge-offs to loans | -0.0316% | 4,957 |
| Credit loss provision to net charge-offs | 25.0000% | 2,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4892% | 2,817 |
| Assets per employee ($millions) | 4.1855% | 3,686 |
| Cash dividends to net income (ytd only)* | 33.1190% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 1,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 4,390 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 58.4972% | 3,929 |
| Net loans and leases to deposits | 70.4475% | 3,753 |
| Net loans and leases to core deposits | 76.7184% | 3,586 |
| Total domestic deposits to total assets | 83.0366% | 3,818 |
| Equity capital to assets | 12.7975% | 1,351 |
| Core capital (leverage) ratio | 12.8278% | 1,207 |
| Tier 1 risk-based capital ratio | 17.8061% | 1,942 |
| Total risk-based capital ratio | 19.0585% | 1,889 |
| Memoranda: | ||
| Average total assets | $359,863,500 | 1,894 |
| Average earning assets | $329,737,500 | 1,909 |
| Average equity | $45,440,500 | 1,669 |
| Average total loans | $202,420,000 | 2,158 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4645% | 4,862 |
| Cost of funding earning assets | 0.5743% | 1,519 |
| Net interest margin | 2.8903% | 5,158 |
| Noninterest income to average assets | 0.5144% | 3,135 |
| Noninterest expense to average assets | 2.3484% | 4,425 |
| Loan and lease loss provision to assets | -0.0941% | 5,682 |
| Net operating income to assets | 0.9201% | 2,721 |
| Return on assets (ROA) | 0.9604% | 2,644 |
| Pretax return on assets | 0.9604% | 3,617 |
| Return on Equity (ROE) | 7.4064% | 3,265 |
| Retained earnings to average equity (ytd only) | 1.0754% | 4,879 |
| Net charge-offs to loans | -0.2079% | 5,750 |
| Credit loss provision to net charge-offs | 95.1567% | 2,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9794% | 2,292 |
| Assets per employee ($millions) | 4.3875% | 3,299 |
| Cash dividends to net income (ytd only)* | 85.4796% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8667% | 851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 4,473 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 52.0175% | 4,605 |
| Net loans and leases to deposits | 62.5469% | 4,505 |
| Net loans and leases to core deposits | 67.7555% | 4,416 |
| Total domestic deposits to total assets | 83.1656% | 3,709 |
| Equity capital to assets | 12.4567% | 1,548 |
| Core capital (leverage) ratio | 12.3584% | 1,400 |
| Tier 1 risk-based capital ratio | 19.0609% | 1,581 |
| Total risk-based capital ratio | 20.3139% | 1,542 |
| Memoranda: | ||
| Average total assets | $354,965,800 | 1,881 |
| Average earning assets | $326,683,800 | 1,888 |
| Average equity | $46,028,000 | 1,643 |
| Average total loans | $168,802,400 | 2,424 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4151% | 4,993 |
| Cost of funding earning assets | 0.5636% | 1,586 |
| Net interest margin | 2.8515% | 5,265 |
| Noninterest income to average assets | 0.5280% | 3,057 |
| Noninterest expense to average assets | 2.3296% | 4,459 |
| Loan and lease loss provision to assets | -0.1210% | 5,813 |
| Net operating income to assets | 0.9471% | 2,670 |
| Return on assets (ROA) | 1.0010% | 2,567 |
| Pretax return on assets | 1.0010% | 3,626 |
| Return on Equity (ROE) | 7.6433% | 3,223 |
| Retained earnings to average equity (ytd only) | 0.5727% | 5,208 |
| Net charge-offs to loans | -0.2735% | 5,826 |
| Credit loss provision to net charge-offs | 95.8209% | 2,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8206% | 2,319 |
| Assets per employee ($millions) | 4.3806% | 3,284 |
| Cash dividends to net income (ytd only)* | 92.5077% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9876% | 740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2055% | 4,611 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 47.6680% | 4,983 |
| Net loans and leases to deposits | 57.3103% | 4,917 |
| Net loans and leases to core deposits | 61.9211% | 4,836 |
| Total domestic deposits to total assets | 83.1754% | 3,525 |
| Equity capital to assets | 12.7021% | 1,647 |
| Core capital (leverage) ratio | 12.6043% | 1,358 |
| Tier 1 risk-based capital ratio | 19.6195% | 1,519 |
| Total risk-based capital ratio | 20.8734% | 1,485 |
| Memoranda: | ||
| Average total assets | $353,763,500 | 1,891 |
| Average earning assets | $325,991,500 | 1,898 |
| Average equity | $46,331,000 | 1,640 |
| Average total loans | $163,326,500 | 2,485 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3942% | 5,092 |
| Cost of funding earning assets | 0.5591% | 1,631 |
| Net interest margin | 2.8351% | 5,372 |
| Noninterest income to average assets | 0.4733% | 3,385 |
| Noninterest expense to average assets | 2.3047% | 4,600 |
| Loan and lease loss provision to assets | -0.0201% | 5,785 |
| Net operating income to assets | 0.7982% | 3,319 |
| Return on assets (ROA) | 0.8676% | 3,132 |
| Pretax return on assets | 0.8676% | 4,059 |
| Return on Equity (ROE) | 6.5549% | 3,779 |
| Retained earnings to average equity (ytd only) | -2.8055% | 5,612 |
| Net charge-offs to loans | -0.0582% | 5,429 |
| Credit loss provision to net charge-offs | 76.0870% | 2,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7584% | 2,252 |
| Assets per employee ($millions) | 4.2933% | 3,388 |
| Cash dividends to net income (ytd only)* | 142.8005% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0671% | 648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 4,628 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 48.4169% | 4,956 |
| Net loans and leases to deposits | 58.6941% | 4,867 |
| Net loans and leases to core deposits | 63.3972% | 4,787 |
| Total domestic deposits to total assets | 82.4902% | 3,846 |
| Equity capital to assets | 13.2227% | 1,376 |
| Core capital (leverage) ratio | 12.7454% | 1,256 |
| Tier 1 risk-based capital ratio | 20.3064% | 1,381 |
| Total risk-based capital ratio | 21.5610% | 1,359 |
| Memoranda: | ||
| Average total assets | $349,027,330 | 1,920 |
| Average earning assets | $321,253,670 | 1,924 |
| Average equity | $46,194,670 | 1,641 |
| Average total loans | $158,114,670 | 2,554 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3654% | 5,192 |
| Cost of funding earning assets | 0.5584% | 1,636 |
| Net interest margin | 2.8070% | 5,461 |
| Noninterest income to average assets | 0.5216% | 2,975 |
| Noninterest expense to average assets | 2.2879% | 4,698 |
| Loan and lease loss provision to assets | -0.0194% | 5,907 |
| Net operating income to assets | 0.8408% | 3,028 |
| Return on assets (ROA) | 0.8614% | 3,053 |
| Pretax return on assets | 0.8614% | 3,996 |
| Return on Equity (ROE) | 6.5053% | 3,723 |
| Retained earnings to average equity (ytd only) | 4.0000% | 3,489 |
| Net charge-offs to loans | -0.0661% | 5,466 |
| Credit loss provision to net charge-offs | 68.0000% | 1,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5835% | 2,543 |
| Assets per employee ($millions) | 4.5393% | 3,002 |
| Cash dividends to net income (ytd only)* | 38.5126% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3494% | 475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 4,697 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 42.2276% | 5,339 |
| Net loans and leases to deposits | 51.2842% | 5,259 |
| Net loans and leases to core deposits | 54.4587% | 5,222 |
| Total domestic deposits to total assets | 82.3402% | 4,106 |
| Equity capital to assets | 13.3960% | 1,222 |
| Core capital (leverage) ratio | 12.9635% | 1,173 |
| Tier 1 risk-based capital ratio | 22.7434% | 1,047 |
| Total risk-based capital ratio | 24.0008% | 1,018 |
| Memoranda: | ||
| Average total assets | $349,661,500 | 1,914 |
| Average earning assets | $322,342,500 | 1,922 |
| Average equity | $46,300,500 | 1,628 |
| Average total loans | $151,208,000 | 2,629 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2407% | 5,453 |
| Cost of funding earning assets | 0.5329% | 1,897 |
| Net interest margin | 2.7078% | 5,636 |
| Noninterest income to average assets | 0.5037% | 3,303 |
| Noninterest expense to average assets | 2.3256% | 4,718 |
| Loan and lease loss provision to assets | -0.1926% | 5,979 |
| Net operating income to assets | 0.8828% | 2,968 |
| Return on assets (ROA) | 0.8989% | 2,956 |
| Pretax return on assets | 0.8989% | 3,838 |
| Return on Equity (ROE) | 6.8805% | 3,578 |
| Retained earnings to average equity (ytd only) | 3.7384% | 3,388 |
| Net charge-offs to loans | -0.0586% | 5,600 |
| Credit loss provision to net charge-offs | 848.1013% | 408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1137% | 2,102 |
| Assets per employee ($millions) | 4.4846% | 3,069 |
| Cash dividends to net income (ytd only)* | 45.6668% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3422% | 488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 4,739 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 42.2318% | 5,396 |
| Net loans and leases to deposits | 51.1400% | 5,330 |
| Net loans and leases to core deposits | 53.7962% | 5,328 |
| Total domestic deposits to total assets | 82.5809% | 3,984 |
| Equity capital to assets | 13.0872% | 1,309 |
| Core capital (leverage) ratio | 12.7995% | 1,227 |
| Tier 1 risk-based capital ratio | 22.4793% | 1,088 |
| Total risk-based capital ratio | 23.7359% | 1,065 |
| Memoranda: | ||
| Average total assets | $347,859,800 | 1,878 |
| Average earning assets | $322,736,000 | 1,878 |
| Average equity | $45,447,400 | 1,622 |
| Average total loans | $134,901,200 | 2,802 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2035% | 5,577 |
| Cost of funding earning assets | 0.5290% | 1,969 |
| Net interest margin | 2.6746% | 5,752 |
| Noninterest income to average assets | 0.4611% | 3,626 |
| Noninterest expense to average assets | 2.2662% | 4,871 |
| Loan and lease loss provision to assets | -0.2503% | 6,131 |
| Net operating income to assets | 0.9317% | 2,795 |
| Return on assets (ROA) | 0.9317% | 2,887 |
| Pretax return on assets | 0.9317% | 3,880 |
| Return on Equity (ROE) | 7.1447% | 3,546 |
| Retained earnings to average equity (ytd only) | 4.0213% | 3,605 |
| Net charge-offs to loans | -0.3578% | 6,114 |
| Credit loss provision to net charge-offs | 185.7550% | 1,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8820% | 2,107 |
| Assets per employee ($millions) | 4.5897% | 2,850 |
| Cash dividends to net income (ytd only)* | 43.7165% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7978% | 301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 4,770 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 38.1668% | 5,692 |
| Net loans and leases to deposits | 46.2631% | 5,638 |
| Net loans and leases to core deposits | 48.6123% | 5,629 |
| Total domestic deposits to total assets | 82.4993% | 3,990 |
| Equity capital to assets | 13.1362% | 1,377 |
| Core capital (leverage) ratio | 12.7933% | 1,273 |
| Tier 1 risk-based capital ratio | 24.1297% | 939 |
| Total risk-based capital ratio | 25.3899% | 922 |
| Memoranda: | ||
| Average total assets | $347,301,250 | 1,898 |
| Average earning assets | $322,884,750 | 1,886 |
| Average equity | $45,291,000 | 1,639 |
| Average total loans | $130,809,000 | 2,892 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2218% | 5,585 |
| Cost of funding earning assets | 0.5283% | 1,998 |
| Net interest margin | 2.6935% | 5,773 |
| Noninterest income to average assets | 0.4314% | 3,844 |
| Noninterest expense to average assets | 2.2417% | 5,007 |
| Loan and lease loss provision to assets | -0.1932% | 6,178 |
| Net operating income to assets | 0.8852% | 2,965 |
| Return on assets (ROA) | 0.8852% | 3,077 |
| Pretax return on assets | 0.8852% | 4,006 |
| Return on Equity (ROE) | 6.8049% | 3,725 |
| Retained earnings to average equity (ytd only) | 3.3870% | 3,878 |
| Net charge-offs to loans | -0.0606% | 5,617 |
| Credit loss provision to net charge-offs | 858.9744% | 405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4105% | 2,293 |
| Assets per employee ($millions) | 4.6313% | 2,775 |
| Cash dividends to net income (ytd only)* | 50.2280% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9905% | 270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 4,539 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 35.8442% | 5,827 |
| Net loans and leases to deposits | 43.3893% | 5,788 |
| Net loans and leases to core deposits | 45.6184% | 5,783 |
| Total domestic deposits to total assets | 82.6107% | 4,089 |
| Equity capital to assets | 13.0438% | 1,382 |
| Core capital (leverage) ratio | 12.6070% | 1,330 |
| Tier 1 risk-based capital ratio | 24.9664% | 862 |
| Total risk-based capital ratio | 26.2291% | 852 |
| Memoranda: | ||
| Average total assets | $346,797,000 | 1,910 |
| Average earning assets | $322,184,330 | 1,906 |
| Average equity | $45,114,330 | 1,649 |
| Average total loans | $128,757,670 | 2,934 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3554% | 5,313 |
| Cost of funding earning assets | 0.5250% | 2,048 |
| Net interest margin | 2.8304% | 5,587 |
| Noninterest income to average assets | 0.4283% | 3,775 |
| Noninterest expense to average assets | 2.2313% | 5,070 |
| Loan and lease loss provision to assets | -0.0196% | 6,120 |
| Net operating income to assets | 0.8427% | 3,046 |
| Return on assets (ROA) | 0.8427% | 3,177 |
| Pretax return on assets | 0.8427% | 4,095 |
| Return on Equity (ROE) | 6.4863% | 3,771 |
| Retained earnings to average equity (ytd only) | 2.2036% | 4,578 |
| Net charge-offs to loans | -0.0527% | 5,545 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0537% | 2,982 |
| Assets per employee ($millions) | 4.4803% | 3,084 |
| Cash dividends to net income (ytd only)* | 66.0274% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2892% | 217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 4,654 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 34.7825% | 5,890 |
| Net loans and leases to deposits | 42.0576% | 5,828 |
| Net loans and leases to core deposits | 44.4200% | 5,828 |
| Total domestic deposits to total assets | 82.7022% | 4,279 |
| Equity capital to assets | 12.9740% | 1,417 |
| Core capital (leverage) ratio | 12.5545% | 1,340 |
| Tier 1 risk-based capital ratio | 24.8513% | 899 |
| Total risk-based capital ratio | 26.1150% | 885 |
| Memoranda: | ||
| Average total assets | $346,523,000 | 1,916 |
| Average earning assets | $321,512,000 | 1,913 |
| Average equity | $45,018,000 | 1,658 |
| Average total loans | $128,966,000 | 2,923 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4692% | 5,397 |
| Cost of funding earning assets | 0.5698% | 2,048 |
| Net interest margin | 2.8994% | 5,647 |
| Noninterest income to average assets | 0.3757% | 4,379 |
| Noninterest expense to average assets | 2.3595% | 4,948 |
| Loan and lease loss provision to assets | -0.4476% | 6,436 |
| Net operating income to assets | 1.1383% | 1,823 |
| Return on assets (ROA) | 1.1813% | 1,711 |
| Pretax return on assets | 1.1813% | 2,729 |
| Return on Equity (ROE) | 10.0219% | 2,109 |
| Retained earnings to average equity (ytd only) | 10.0219% | 513 |
| Net charge-offs to loans | -0.0621% | 5,999 |
| Credit loss provision to net charge-offs | 2,082.6667% | 150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3560% | 2,304 |
| Assets per employee ($millions) | 4.7720% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1260% | 258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 4,700 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 37.2870% | 5,890 |
| Net loans and leases to deposits | 45.2014% | 5,834 |
| Net loans and leases to core deposits | 47.6666% | 5,832 |
| Total domestic deposits to total assets | 82.4908% | 4,253 |
| Equity capital to assets | 13.0090% | 1,370 |
| Core capital (leverage) ratio | 12.4010% | 1,400 |
| Tier 1 risk-based capital ratio | 23.8627% | 970 |
| Total risk-based capital ratio | 25.1186% | 947 |
| Memoranda: | ||
| Average total assets | $348,937,000 | 1,863 |
| Average earning assets | $321,862,000 | 1,862 |
| Average equity | $41,130,000 | 1,742 |
| Average total loans | $120,752,000 | 3,021 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4725% | 5,449 |
| Cost of funding earning assets | 0.5740% | 2,072 |
| Net interest margin | 2.8985% | 5,704 |
| Noninterest income to average assets | 0.2520% | 5,414 |
| Noninterest expense to average assets | 2.3394% | 5,001 |
| Loan and lease loss provision to assets | -0.4575% | 6,524 |
| Net operating income to assets | 1.0437% | 2,263 |
| Return on assets (ROA) | 1.0677% | 2,231 |
| Pretax return on assets | 1.0677% | 3,309 |
| Return on Equity (ROE) | 9.2944% | 2,544 |
| Retained earnings to average equity (ytd only) | 9.2944% | 900 |
| Net charge-offs to loans | -0.0656% | 6,016 |
| Credit loss provision to net charge-offs | 2,072.4138% | 170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9636% | 1,924 |
| Assets per employee ($millions) | 4.7678% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6638% | 205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4307% | 4,622 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 33.8144% | 6,119 |
| Net loans and leases to deposits | 40.6199% | 6,098 |
| Net loans and leases to core deposits | 42.8438% | 6,090 |
| Total domestic deposits to total assets | 83.2458% | 4,050 |
| Equity capital to assets | 12.2281% | 1,886 |
| Core capital (leverage) ratio | 11.6085% | 1,974 |
| Tier 1 risk-based capital ratio | 24.2719% | 957 |
| Total risk-based capital ratio | 25.5391% | 933 |
| Memoranda: | ||
| Average total assets | $350,274,750 | 1,870 |
| Average earning assets | $323,102,000 | 1,869 |
| Average equity | $40,238,250 | 1,781 |
| Average total loans | $117,878,250 | 3,101 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5263% | 5,354 |
| Cost of funding earning assets | 0.5716% | 2,151 |
| Net interest margin | 2.9547% | 5,623 |
| Noninterest income to average assets | 0.3743% | 4,447 |
| Noninterest expense to average assets | 2.3463% | 5,034 |
| Loan and lease loss provision to assets | -0.4758% | 6,586 |
| Net operating income to assets | 1.2193% | 1,536 |
| Return on assets (ROA) | 1.2558% | 1,492 |
| Pretax return on assets | 1.2558% | 2,431 |
| Return on Equity (ROE) | 11.1696% | 1,688 |
| Retained earnings to average equity (ytd only) | 11.1696% | 519 |
| Net charge-offs to loans | -0.0687% | 6,012 |
| Credit loss provision to net charge-offs | 2,087.5000% | 176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9358% | 2,649 |
| Assets per employee ($millions) | 4.8669% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1085% | 162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8019% | 3,558 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 31.6972% | 6,256 |
| Net loans and leases to deposits | 37.8156% | 6,232 |
| Net loans and leases to core deposits | 39.8484% | 6,227 |
| Total domestic deposits to total assets | 83.8204% | 3,986 |
| Equity capital to assets | 11.8154% | 2,139 |
| Core capital (leverage) ratio | 11.6923% | 1,856 |
| Tier 1 risk-based capital ratio | 23.8708% | 1,003 |
| Total risk-based capital ratio | 25.1404% | 979 |
| Memoranda: | ||
| Average total assets | $351,016,330 | 1,868 |
| Average earning assets | $322,604,670 | 1,865 |
| Average equity | $39,464,330 | 1,796 |
| Average total loans | $116,448,670 | 3,128 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6920% | 4,877 |
| Cost of funding earning assets | 0.5755% | 2,193 |
| Net interest margin | 3.1166% | 5,187 |
| Noninterest income to average assets | 0.3428% | 4,634 |
| Noninterest expense to average assets | 2.4042% | 4,917 |
| Loan and lease loss provision to assets | -0.4781% | 6,661 |
| Net operating income to assets | 1.2852% | 1,255 |
| Return on assets (ROA) | 1.2852% | 1,300 |
| Pretax return on assets | 1.2852% | 2,149 |
| Return on Equity (ROE) | 11.7359% | 1,482 |
| Retained earnings to average equity (ytd only) | 11.7359% | 642 |
| Net charge-offs to loans | -0.0621% | 5,911 |
| Credit loss provision to net charge-offs | 2,316.6667% | 150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8661% | 2,988 |
| Assets per employee ($millions) | 4.7227% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5261% | 129 |
| Loan loss allowance to noncurrent loans | 3,203.0675% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.8619% | 3,574 |
| Noncurrent loans to loans | 0.1413% | 5,675 |
| Net loans and leases to total assets | 31.5131% | 6,282 |
| Net loans and leases to deposits | 37.3562% | 6,273 |
| Net loans and leases to core deposits | 39.3375% | 6,261 |
| Total domestic deposits to total assets | 84.3585% | 4,139 |
| Equity capital to assets | 11.1860% | 2,539 |
| Core capital (leverage) ratio | 11.4681% | 1,985 |
| Tier 1 risk-based capital ratio | 23.7737% | 1,038 |
| Total risk-based capital ratio | 25.0468% | 1,014 |
| Memoranda: | ||
| Average total assets | $348,884,000 | 1,882 |
| Average earning assets | $321,122,500 | 1,878 |
| Average equity | $38,207,500 | 1,843 |
| Average total loans | $115,953,500 | 3,154 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3388% | 5,931 |
| Cost of funding earning assets | 0.6217% | 2,469 |
| Net interest margin | 2.7172% | 6,116 |
| Noninterest income to average assets | 0.4380% | 4,173 |
| Noninterest expense to average assets | 2.4717% | 4,855 |
| Loan and lease loss provision to assets | -0.1499% | 6,546 |
| Net operating income to assets | 0.6214% | 4,158 |
| Return on assets (ROA) | 0.6280% | 4,235 |
| Pretax return on assets | 0.6280% | 4,777 |
| Return on Equity (ROE) | 5.7655% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.7655% | 2,124 |
| Net charge-offs to loans | 0.4320% | 1,539 |
| Credit loss provision to net charge-offs | -96.6480% | 5,870 |
| Earnings coverage of net charge-offs (x) | 3.0410% | 3,980 |
| Efficiency ratio | 83.9792% | 1,628 |
| Assets per employee ($millions) | 4.5827% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8218% | 104 |
| Loan loss allowance to noncurrent loans | 182.7642% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 1.7009% | 2,164 |
| Noncurrent loans to loans | 2.6383% | 1,408 |
| Net loans and leases to total assets | 31.8512% | 6,394 |
| Net loans and leases to deposits | 37.5763% | 6,383 |
| Net loans and leases to core deposits | 39.5625% | 6,377 |
| Total domestic deposits to total assets | 84.7640% | 3,862 |
| Equity capital to assets | 10.7158% | 2,918 |
| Core capital (leverage) ratio | 11.1608% | 2,227 |
| Tier 1 risk-based capital ratio | 23.0811% | 1,085 |
| Total risk-based capital ratio | 24.3574% | 1,058 |
| Memoranda: | ||
| Average total assets | $346,322,200 | 1,866 |
| Average earning assets | $319,302,200 | 1,864 |
| Average equity | $37,724,600 | 1,842 |
| Average total loans | $124,309,000 | 2,955 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2801% | 6,091 |
| Cost of funding earning assets | 0.6335% | 2,512 |
| Net interest margin | 2.6466% | 6,256 |
| Noninterest income to average assets | 0.4742% | 3,978 |
| Noninterest expense to average assets | 2.4165% | 4,974 |
| Loan and lease loss provision to assets | -0.0968% | 6,627 |
| Net operating income to assets | 0.5945% | 4,377 |
| Return on assets (ROA) | 0.6034% | 4,458 |
| Pretax return on assets | 0.6034% | 4,999 |
| Return on Equity (ROE) | 5.5164% | 4,461 |
| Retained earnings to average equity (ytd only) | 5.5164% | 2,715 |
| Net charge-offs to loans | 0.5861% | 1,072 |
| Credit loss provision to net charge-offs | -45.2252% | 5,701 |
| Earnings coverage of net charge-offs (x) | 2.3261% | 4,063 |
| Efficiency ratio | 82.9210% | 1,717 |
| Assets per employee ($millions) | 4.5075% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9086% | 122 |
| Loan loss allowance to noncurrent loans | 141.9246% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.9867% | 2,030 |
| Noncurrent loans to loans | 3.4586% | 1,106 |
| Net loans and leases to total assets | 32.3438% | 6,437 |
| Net loans and leases to deposits | 38.1232% | 6,440 |
| Net loans and leases to core deposits | 40.0919% | 6,446 |
| Total domestic deposits to total assets | 84.8402% | 3,822 |
| Equity capital to assets | 10.6070% | 3,155 |
| Core capital (leverage) ratio | 10.8550% | 2,610 |
| Tier 1 risk-based capital ratio | 22.4441% | 1,238 |
| Total risk-based capital ratio | 23.7266% | 1,210 |
| Memoranda: | ||
| Average total assets | $345,830,750 | 1,878 |
| Average earning assets | $318,840,250 | 1,878 |
| Average equity | $37,825,250 | 1,848 |
| Average total loans | $126,247,750 | 2,940 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2891% | 6,106 |
| Cost of funding earning assets | 0.6407% | 2,581 |
| Net interest margin | 2.6484% | 6,271 |
| Noninterest income to average assets | 0.4763% | 3,983 |
| Noninterest expense to average assets | 2.3913% | 5,079 |
| Loan and lease loss provision to assets | -0.0727% | 6,677 |
| Net operating income to assets | 0.6025% | 4,267 |
| Return on assets (ROA) | 0.6159% | 4,380 |
| Pretax return on assets | 0.6159% | 4,967 |
| Return on Equity (ROE) | 5.5733% | 4,417 |
| Retained earnings to average equity (ytd only) | 5.5733% | 2,691 |
| Net charge-offs to loans | 0.9045% | 687 |
| Credit loss provision to net charge-offs | -21.5146% | 5,478 |
| Earnings coverage of net charge-offs (x) | 1.5680% | 4,006 |
| Efficiency ratio | 81.8634% | 1,904 |
| Assets per employee ($millions) | 4.5285% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6714% | 152 |
| Loan loss allowance to noncurrent loans | 138.1625% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 2.0562% | 2,104 |
| Noncurrent loans to loans | 3.3811% | 1,270 |
| Net loans and leases to total assets | 34.9383% | 6,363 |
| Net loans and leases to deposits | 41.1309% | 6,360 |
| Net loans and leases to core deposits | 42.9975% | 6,368 |
| Total domestic deposits to total assets | 84.9440% | 3,912 |
| Equity capital to assets | 10.5122% | 3,289 |
| Core capital (leverage) ratio | 11.1137% | 2,247 |
| Tier 1 risk-based capital ratio | 21.4927% | 1,390 |
| Total risk-based capital ratio | 22.7695% | 1,355 |
| Memoranda: | ||
| Average total assets | $343,911,670 | 1,893 |
| Average earning assets | $317,470,330 | 1,886 |
| Average equity | $38,002,670 | 1,845 |
| Average total loans | $128,468,000 | 2,911 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3429% | 6,058 |
| Cost of funding earning assets | 0.6663% | 2,515 |
| Net interest margin | 2.6766% | 6,258 |
| Noninterest income to average assets | 0.4345% | 4,220 |
| Noninterest expense to average assets | 2.5018% | 4,740 |
| Loan and lease loss provision to assets | -0.0094% | 6,736 |
| Net operating income to assets | 0.4123% | 5,082 |
| Return on assets (ROA) | 0.4134% | 5,226 |
| Pretax return on assets | 0.4134% | 5,526 |
| Return on Equity (ROE) | 3.6508% | 5,273 |
| Retained earnings to average equity (ytd only) | 3.6508% | 4,053 |
| Net charge-offs to loans | 1.8571% | 256 |
| Credit loss provision to net charge-offs | -1.3378% | 4,942 |
| Earnings coverage of net charge-offs (x) | 0.5753% | 3,628 |
| Efficiency ratio | 86.1290% | 1,500 |
| Assets per employee ($millions) | 4.5726% | 2,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8997% | 147 |
| Loan loss allowance to noncurrent loans | 291.9673% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 1.7280% | 2,698 |
| Noncurrent loans to loans | 1.6782% | 3,029 |
| Net loans and leases to total assets | 34.3539% | 6,398 |
| Net loans and leases to deposits | 40.9123% | 6,382 |
| Net loans and leases to core deposits | 42.7271% | 6,373 |
| Total domestic deposits to total assets | 83.9696% | 4,486 |
| Equity capital to assets | 11.3185% | 2,614 |
| Core capital (leverage) ratio | 10.9370% | 2,312 |
| Tier 1 risk-based capital ratio | 21.3516% | 1,462 |
| Total risk-based capital ratio | 22.6292% | 1,427 |
| Memoranda: | ||
| Average total assets | $341,518,500 | 1,929 |
| Average earning assets | $315,175,500 | 1,925 |
| Average equity | $38,676,000 | 1,839 |
| Average total loans | $128,802,500 | 2,909 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 4,691 |
| Cost of funding earning assets | 0.8235% | 2,479 |
| Net interest margin | 3.3465% | 5,082 |
| Noninterest income to average assets | 0.3001% | 5,314 |
| Noninterest expense to average assets | 2.6233% | 4,663 |
| Loan and lease loss provision to assets | -0.1114% | 6,930 |
| Net operating income to assets | 0.9245% | 2,681 |
| Return on assets (ROA) | 0.9961% | 2,573 |
| Pretax return on assets | 0.9961% | 3,561 |
| Return on Equity (ROE) | 9.1306% | 2,575 |
| Retained earnings to average equity (ytd only) | 9.1306% | 786 |
| Net charge-offs to loans | 0.7129% | 1,651 |
| Credit loss provision to net charge-offs | -32.9815% | 6,256 |
| Earnings coverage of net charge-offs (x) | 2.4072% | 4,207 |
| Efficiency ratio | 76.3379% | 2,691 |
| Assets per employee ($millions) | 4.5346% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9925% | 138 |
| Loan loss allowance to noncurrent loans | 90.6942% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 2.8845% | 1,650 |
| Noncurrent loans to loans | 5.5047% | 672 |
| Net loans and leases to total assets | 37.3557% | 6,347 |
| Net loans and leases to deposits | 44.4008% | 6,345 |
| Net loans and leases to core deposits | 46.1309% | 6,365 |
| Total domestic deposits to total assets | 84.1330% | 4,257 |
| Equity capital to assets | 11.3310% | 2,602 |
| Core capital (leverage) ratio | 10.6687% | 2,578 |
| Tier 1 risk-based capital ratio | 20.6500% | 1,533 |
| Total risk-based capital ratio | 21.9311% | 1,499 |
| Memoranda: | ||
| Average total assets | $336,599,800 | 1,921 |
| Average earning assets | $315,465,000 | 1,879 |
| Average equity | $36,722,600 | 1,891 |
| Average total loans | $159,496,400 | 2,439 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 4,251 |
| Cost of funding earning assets | 0.8518% | 2,523 |
| Net interest margin | 3.4990% | 4,652 |
| Noninterest income to average assets | 0.2851% | 5,504 |
| Noninterest expense to average assets | 2.5993% | 4,741 |
| Loan and lease loss provision to assets | -0.0199% | 6,962 |
| Net operating income to assets | 1.0012% | 2,489 |
| Return on assets (ROA) | 1.0504% | 2,500 |
| Pretax return on assets | 1.0504% | 3,533 |
| Return on Equity (ROE) | 9.7233% | 2,486 |
| Retained earnings to average equity (ytd only) | 9.7233% | 992 |
| Net charge-offs to loans | 0.8830% | 1,239 |
| Credit loss provision to net charge-offs | -4.5496% | 6,085 |
| Earnings coverage of net charge-offs (x) | 2.2484% | 4,141 |
| Efficiency ratio | 72.5932% | 3,213 |
| Assets per employee ($millions) | 4.4659% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6351% | 191 |
| Loan loss allowance to noncurrent loans | 78.1913% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 2.9496% | 1,775 |
| Noncurrent loans to loans | 5.9279% | 697 |
| Net loans and leases to total assets | 42.1088% | 6,124 |
| Net loans and leases to deposits | 50.1059% | 6,099 |
| Net loans and leases to core deposits | 52.2212% | 6,168 |
| Total domestic deposits to total assets | 84.0397% | 4,201 |
| Equity capital to assets | 11.3395% | 2,896 |
| Core capital (leverage) ratio | 10.5961% | 2,802 |
| Tier 1 risk-based capital ratio | 18.9482% | 2,029 |
| Total risk-based capital ratio | 20.2282% | 1,989 |
| Memoranda: | ||
| Average total assets | $335,726,000 | 1,942 |
| Average earning assets | $316,193,250 | 1,893 |
| Average equity | $36,269,250 | 1,929 |
| Average total loans | $165,940,250 | 2,381 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 3,613 |
| Cost of funding earning assets | 0.8991% | 2,404 |
| Net interest margin | 3.6393% | 4,084 |
| Noninterest income to average assets | 0.2216% | 5,989 |
| Noninterest expense to average assets | 2.6426% | 4,636 |
| Loan and lease loss provision to assets | -0.0300% | 7,053 |
| Net operating income to assets | 1.0318% | 2,333 |
| Return on assets (ROA) | 1.1045% | 2,247 |
| Pretax return on assets | 1.1045% | 3,290 |
| Return on Equity (ROE) | 10.4013% | 2,215 |
| Retained earnings to average equity (ytd only) | 10.4013% | 870 |
| Net charge-offs to loans | 1.1592% | 933 |
| Credit loss provision to net charge-offs | -5.0556% | 5,914 |
| Earnings coverage of net charge-offs (x) | 1.6866% | 4,146 |
| Efficiency ratio | 72.5115% | 3,338 |
| Assets per employee ($millions) | 4.2029% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6529% | 208 |
| Loan loss allowance to noncurrent loans | 70.8986% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 3.3741% | 1,594 |
| Noncurrent loans to loans | 6.5627% | 635 |
| Net loans and leases to total assets | 43.5641% | 6,058 |
| Net loans and leases to deposits | 51.6745% | 6,047 |
| Net loans and leases to core deposits | 53.5851% | 6,125 |
| Total domestic deposits to total assets | 84.3049% | 4,190 |
| Equity capital to assets | 10.9320% | 3,192 |
| Core capital (leverage) ratio | 10.4954% | 2,804 |
| Tier 1 risk-based capital ratio | 18.5536% | 2,116 |
| Total risk-based capital ratio | 19.8344% | 2,067 |
| Memoranda: | ||
| Average total assets | $333,008,670 | 1,956 |
| Average earning assets | $313,192,000 | 1,910 |
| Average equity | $35,361,000 | 1,957 |
| Average total loans | $170,640,000 | 2,339 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5781% | 3,605 |
| Cost of funding earning assets | 0.9513% | 2,298 |
| Net interest margin | 3.6268% | 4,142 |
| Noninterest income to average assets | 0.0857% | 6,800 |
| Noninterest expense to average assets | 2.7073% | 4,396 |
| Loan and lease loss provision to assets | -0.0604% | 7,153 |
| Net operating income to assets | 0.8485% | 3,169 |
| Return on assets (ROA) | 0.9137% | 3,072 |
| Pretax return on assets | 0.9137% | 3,987 |
| Return on Equity (ROE) | 8.7355% | 2,937 |
| Retained earnings to average equity (ytd only) | 8.7355% | 1,686 |
| Net charge-offs to loans | 1.6679% | 576 |
| Credit loss provision to net charge-offs | -6.6934% | 5,344 |
| Earnings coverage of net charge-offs (x) | 0.8742% | 3,892 |
| Efficiency ratio | 77.4517% | 2,577 |
| Assets per employee ($millions) | 4.1939% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2552% | 306 |
| Loan loss allowance to noncurrent loans | 110.6287% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 2.5305% | 2,343 |
| Noncurrent loans to loans | 3.8464% | 1,609 |
| Net loans and leases to total assets | 50.1870% | 5,279 |
| Net loans and leases to deposits | 59.2386% | 5,253 |
| Net loans and leases to core deposits | 61.3882% | 5,393 |
| Total domestic deposits to total assets | 84.7201% | 4,157 |
| Equity capital to assets | 10.5799% | 3,401 |
| Core capital (leverage) ratio | 10.3241% | 2,962 |
| Tier 1 risk-based capital ratio | 16.7795% | 2,769 |
| Total risk-based capital ratio | 18.0599% | 2,715 |
| Memoranda: | ||
| Average total assets | $331,396,500 | 1,966 |
| Average earning assets | $311,567,000 | 1,918 |
| Average equity | $34,663,000 | 1,993 |
| Average total loans | $179,147,500 | 2,252 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3403% | 1,597 |
| Cost of funding earning assets | 1.1877% | 2,107 |
| Net interest margin | 4.1526% | 2,225 |
| Noninterest income to average assets | -0.0170% | 7,025 |
| Noninterest expense to average assets | 2.8691% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9957% | 2,214 |
| Return on assets (ROA) | 1.0426% | 2,178 |
| Pretax return on assets | 1.0426% | 3,066 |
| Return on Equity (ROE) | 10.8787% | 1,734 |
| Retained earnings to average equity (ytd only) | 10.8787% | 419 |
| Net charge-offs to loans | 1.1951% | 1,408 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 1.2809% | 4,819 |
| Efficiency ratio | 74.2369% | 3,188 |
| Assets per employee ($millions) | 4.1959% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4343% | 267 |
| Loan loss allowance to noncurrent loans | 120.2909% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 2.8738% | 2,098 |
| Noncurrent loans to loans | 3.6864% | 1,713 |
| Net loans and leases to total assets | 53.2286% | 5,136 |
| Net loans and leases to deposits | 62.6729% | 5,153 |
| Net loans and leases to core deposits | 64.8433% | 5,380 |
| Total domestic deposits to total assets | 84.9307% | 3,890 |
| Equity capital to assets | 10.3395% | 3,729 |
| Core capital (leverage) ratio | 10.1539% | 3,161 |
| Tier 1 risk-based capital ratio | 15.7539% | 3,187 |
| Total risk-based capital ratio | 17.0406% | 3,122 |
| Memoranda: | ||
| Average total assets | $323,790,400 | 1,991 |
| Average earning assets | $302,678,600 | 1,939 |
| Average equity | $31,033,000 | 2,127 |
| Average total loans | $210,608,400 | 1,948 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3704% | 1,604 |
| Cost of funding earning assets | 1.2385% | 2,074 |
| Net interest margin | 4.1319% | 2,347 |
| Noninterest income to average assets | 0.0062% | 7,089 |
| Noninterest expense to average assets | 2.9398% | 3,775 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9262% | 2,643 |
| Return on assets (ROA) | 0.9639% | 2,634 |
| Pretax return on assets | 0.9639% | 3,545 |
| Return on Equity (ROE) | 10.2657% | 2,112 |
| Retained earnings to average equity (ytd only) | 10.2657% | 775 |
| Net charge-offs to loans | 1.3861% | 1,094 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.9907% | 4,889 |
| Efficiency ratio | 76.0420% | 2,832 |
| Assets per employee ($millions) | 4.1041% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3302% | 304 |
| Loan loss allowance to noncurrent loans | 81.5662% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 4.1413% | 1,477 |
| Noncurrent loans to loans | 5.3088% | 1,142 |
| Net loans and leases to total assets | 57.5613% | 4,574 |
| Net loans and leases to deposits | 67.9810% | 4,611 |
| Net loans and leases to core deposits | 70.2710% | 4,919 |
| Total domestic deposits to total assets | 84.6726% | 3,931 |
| Equity capital to assets | 10.3561% | 3,888 |
| Core capital (leverage) ratio | 9.8323% | 3,670 |
| Tier 1 risk-based capital ratio | 14.7675% | 3,794 |
| Total risk-based capital ratio | 16.0542% | 3,748 |
| Memoranda: | ||
| Average total assets | $321,869,000 | 2,006 |
| Average earning assets | $300,676,000 | 1,955 |
| Average equity | $30,223,000 | 2,183 |
| Average total loans | $217,103,750 | 1,901 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2697% | 1,993 |
| Cost of funding earning assets | 1.2882% | 2,015 |
| Net interest margin | 3.9815% | 2,933 |
| Noninterest income to average assets | 0.4404% | 4,341 |
| Noninterest expense to average assets | 3.0086% | 3,608 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1436% | 1,745 |
| Return on assets (ROA) | 1.1642% | 1,758 |
| Pretax return on assets | 1.1642% | 2,625 |
| Return on Equity (ROE) | 12.8432% | 1,235 |
| Retained earnings to average equity (ytd only) | 12.8432% | 404 |
| Net charge-offs to loans | 0.8537% | 1,799 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.9165% | 3,903 |
| Efficiency ratio | 72.4572% | 3,643 |
| Assets per employee ($millions) | 4.0221% | 3,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6395% | 245 |
| Loan loss allowance to noncurrent loans | 58.5170% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 6.7454% | 775 |
| Noncurrent loans to loans | 7.9285% | 575 |
| Net loans and leases to total assets | 61.4870% | 3,990 |
| Net loans and leases to deposits | 72.6462% | 4,016 |
| Net loans and leases to core deposits | 75.1319% | 4,416 |
| Total domestic deposits to total assets | 84.6389% | 4,056 |
| Equity capital to assets | 10.0365% | 4,098 |
| Core capital (leverage) ratio | 9.8978% | 3,390 |
| Tier 1 risk-based capital ratio | 13.7935% | 4,308 |
| Total risk-based capital ratio | 15.0842% | 4,254 |
| Memoranda: | ||
| Average total assets | $321,084,330 | 2,015 |
| Average earning assets | $299,336,330 | 1,978 |
| Average equity | $29,105,000 | 2,235 |
| Average total loans | $224,447,000 | 1,875 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2060% | 2,203 |
| Cost of funding earning assets | 1.3325% | 1,995 |
| Net interest margin | 3.8735% | 3,280 |
| Noninterest income to average assets | 0.7040% | 2,555 |
| Noninterest expense to average assets | 2.9316% | 3,936 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3767% | 1,103 |
| Return on assets (ROA) | 1.4181% | 1,068 |
| Pretax return on assets | 1.4181% | 1,675 |
| Return on Equity (ROE) | 16.5516% | 619 |
| Retained earnings to average equity (ytd only) | 16.5516% | 303 |
| Net charge-offs to loans | 1.5282% | 888 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.2395% | 3,740 |
| Efficiency ratio | 68.0454% | 4,646 |
| Assets per employee ($millions) | 3.8858% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3869% | 316 |
| Loan loss allowance to noncurrent loans | 53.0671% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 7.5466% | 663 |
| Noncurrent loans to loans | 8.2668% | 582 |
| Net loans and leases to total assets | 67.1633% | 2,722 |
| Net loans and leases to deposits | 78.2531% | 3,013 |
| Net loans and leases to core deposits | 80.9041% | 3,614 |
| Total domestic deposits to total assets | 85.8283% | 3,622 |
| Equity capital to assets | 8.8038% | 5,489 |
| Core capital (leverage) ratio | 8.6732% | 5,134 |
| Tier 1 risk-based capital ratio | 11.3977% | 6,176 |
| Total risk-based capital ratio | 12.6861% | 6,134 |
| Memoranda: | ||
| Average total assets | $318,731,000 | 2,045 |
| Average earning assets | $296,580,500 | 2,020 |
| Average equity | $27,308,500 | 2,351 |
| Average total loans | $231,638,000 | 1,854 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8573% | 1,134 |
| Cost of funding earning assets | 1.5980% | 2,081 |
| Net interest margin | 4.2593% | 1,959 |
| Noninterest income to average assets | -0.8531% | 7,612 |
| Noninterest expense to average assets | 2.7204% | 4,897 |
| Loan and lease loss provision to assets | 2.5330% | 434 |
| Net operating income to assets | -2.1332% | 7,089 |
| Return on assets (ROA) | -2.1036% | 7,096 |
| Pretax return on assets | -2.1036% | 7,058 |
| Return on Equity (ROE) | -20.8579% | 7,055 |
| Retained earnings to average equity (ytd only) | -23.0303% | 7,067 |
| Net charge-offs to loans | 0.7483% | 2,772 |
| Credit loss provision to net charge-offs | 434.7510% | 535 |
| Earnings coverage of net charge-offs (x) | 0.6862% | 5,426 |
| Efficiency ratio | 87.1864% | 1,553 |
| Assets per employee ($millions) | 3.8413% | 4,145 |
| Cash dividends to net income (ytd only)* | -10.4152% | 7,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4702% | 277 |
| Loan loss allowance to noncurrent loans | 43.0762% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 8.8816% | 514 |
| Noncurrent loans to loans | 10.3774% | 392 |
| Net loans and leases to total assets | 71.7465% | 2,153 |
| Net loans and leases to deposits | 83.2438% | 2,580 |
| Net loans and leases to core deposits | 86.3545% | 3,273 |
| Total domestic deposits to total assets | 86.1885% | 3,254 |
| Equity capital to assets | 8.3321% | 6,106 |
| Core capital (leverage) ratio | 7.9502% | 6,268 |
| Tier 1 risk-based capital ratio | 10.5404% | 6,674 |
| Total risk-based capital ratio | 11.8313% | 6,618 |
| Memoranda: | ||
| Average total assets | $330,906,200 | 1,963 |
| Average earning assets | $308,692,400 | 1,930 |
| Average equity | $33,373,400 | 1,981 |
| Average total loans | $257,665,600 | 1,720 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9848% | 966 |
| Cost of funding earning assets | 1.6570% | 2,063 |
| Net interest margin | 4.3279% | 1,747 |
| Noninterest income to average assets | 0.2408% | 6,169 |
| Noninterest expense to average assets | 2.6361% | 5,172 |
| Loan and lease loss provision to assets | 1.6949% | 756 |
| Net operating income to assets | -0.0543% | 6,108 |
| Return on assets (ROA) | -0.0244% | 6,171 |
| Pretax return on assets | -0.0244% | 6,127 |
| Return on Equity (ROE) | -0.2319% | 6,168 |
| Retained earnings to average equity (ytd only) | -2.9878% | 6,349 |
| Net charge-offs to loans | 0.9819% | 2,037 |
| Credit loss provision to net charge-offs | 219.8343% | 1,569 |
| Earnings coverage of net charge-offs (x) | 2.1279% | 4,128 |
| Efficiency ratio | 61.6376% | 5,680 |
| Assets per employee ($millions) | 3.9818% | 3,879 |
| Cash dividends to net income (ytd only)* | -1,188.5405% | 7,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6455% | 1,147 |
| Loan loss allowance to noncurrent loans | 43.0539% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 7.4198% | 712 |
| Noncurrent loans to loans | 6.1446% | 1,000 |
| Net loans and leases to total assets | 72.2203% | 2,202 |
| Net loans and leases to deposits | 85.4367% | 2,449 |
| Net loans and leases to core deposits | 88.5528% | 3,303 |
| Total domestic deposits to total assets | 84.5308% | 3,856 |
| Equity capital to assets | 10.2696% | 3,804 |
| Core capital (leverage) ratio | 9.5414% | 3,843 |
| Tier 1 risk-based capital ratio | 12.2982% | 5,184 |
| Total risk-based capital ratio | 13.5660% | 5,142 |
| Memoranda: | ||
| Average total assets | $333,925,750 | 1,976 |
| Average earning assets | $311,401,500 | 1,941 |
| Average equity | $35,075,500 | 1,909 |
| Average total loans | $262,219,000 | 1,716 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0707% | 805 |
| Cost of funding earning assets | 1.6927% | 2,153 |
| Net interest margin | 4.3780% | 1,514 |
| Noninterest income to average assets | 0.1966% | 6,494 |
| Noninterest expense to average assets | 2.5481% | 5,529 |
| Loan and lease loss provision to assets | 1.0128% | 1,438 |
| Net operating income to assets | 0.7401% | 3,235 |
| Return on assets (ROA) | 0.7503% | 3,348 |
| Pretax return on assets | 0.7503% | 4,063 |
| Return on Equity (ROE) | 7.0899% | 3,261 |
| Retained earnings to average equity (ytd only) | 2.9843% | 4,222 |
| Net charge-offs to loans | 1.0752% | 1,750 |
| Credit loss provision to net charge-offs | 117.7700% | 3,448 |
| Earnings coverage of net charge-offs (x) | 2.0383% | 4,005 |
| Efficiency ratio | 59.2448% | 6,180 |
| Assets per employee ($millions) | 3.8901% | 4,003 |
| Cash dividends to net income (ytd only)* | 57.9073% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7379% | 2,938 |
| Loan loss allowance to noncurrent loans | 46.8149% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 5.0199% | 1,280 |
| Noncurrent loans to loans | 3.7123% | 2,104 |
| Net loans and leases to total assets | 76.1352% | 1,472 |
| Net loans and leases to deposits | 93.5255% | 1,337 |
| Net loans and leases to core deposits | 98.9035% | 2,132 |
| Total domestic deposits to total assets | 81.4058% | 5,240 |
| Equity capital to assets | 10.6444% | 3,225 |
| Core capital (leverage) ratio | 10.2007% | 2,941 |
| Tier 1 risk-based capital ratio | 12.5278% | 4,835 |
| Total risk-based capital ratio | 13.7856% | 4,801 |
| Memoranda: | ||
| Average total assets | $333,744,000 | 1,992 |
| Average earning assets | $312,881,000 | 1,951 |
| Average equity | $35,317,670 | 1,890 |
| Average total loans | $266,918,670 | 1,703 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0821% | 810 |
| Cost of funding earning assets | 1.7308% | 2,227 |
| Net interest margin | 4.3513% | 1,534 |
| Noninterest income to average assets | 0.1752% | 6,710 |
| Noninterest expense to average assets | 2.5775% | 5,443 |
| Loan and lease loss provision to assets | 0.5280% | 2,391 |
| Net operating income to assets | 1.1784% | 1,597 |
| Return on assets (ROA) | 1.1784% | 1,680 |
| Pretax return on assets | 1.1784% | 2,440 |
| Return on Equity (ROE) | 11.1683% | 1,732 |
| Retained earnings to average equity (ytd only) | 6.7328% | 2,251 |
| Net charge-offs to loans | 0.1389% | 4,105 |
| Credit loss provision to net charge-offs | 468.0851% | 898 |
| Earnings coverage of net charge-offs (x) | 15.1277% | 1,395 |
| Efficiency ratio | 60.1681% | 6,135 |
| Assets per employee ($millions) | 4.0018% | 3,871 |
| Cash dividends to net income (ytd only)* | 39.7149% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7133% | 3,012 |
| Loan loss allowance to noncurrent loans | 48.8365% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 4.0033% | 1,715 |
| Noncurrent loans to loans | 3.5082% | 2,269 |
| Net loans and leases to total assets | 79.3812% | 928 |
| Net loans and leases to deposits | 98.6312% | 851 |
| Net loans and leases to core deposits | 105.3952% | 1,630 |
| Total domestic deposits to total assets | 80.4829% | 5,622 |
| Equity capital to assets | 10.6991% | 3,042 |
| Core capital (leverage) ratio | 10.2951% | 2,817 |
| Tier 1 risk-based capital ratio | 12.4316% | 4,812 |
| Total risk-based capital ratio | 13.6896% | 4,753 |
| Memoranda: | ||
| Average total assets | $333,340,500 | 2,049 |
| Average earning assets | $314,759,500 | 1,985 |
| Average equity | $35,171,000 | 1,917 |
| Average total loans | $270,770,000 | 1,738 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3279% | 969 |
| Cost of funding earning assets | 2.4748% | 1,082 |
| Net interest margin | 3.8531% | 3,471 |
| Noninterest income to average assets | 0.0890% | 7,318 |
| Noninterest expense to average assets | 2.7004% | 5,394 |
| Loan and lease loss provision to assets | 0.1202% | 6,442 |
| Net operating income to assets | 0.8933% | 2,202 |
| Return on assets (ROA) | 0.9313% | 2,132 |
| Pretax return on assets | 0.9313% | 2,821 |
| Return on Equity (ROE) | 10.2593% | 1,613 |
| Retained earnings to average equity (ytd only) | 8.6442% | 556 |
| Net charge-offs to loans | 0.1286% | 5,911 |
| Credit loss provision to net charge-offs | 112.8134% | 4,861 |
| Earnings coverage of net charge-offs (x) | 9.5125% | 1,788 |
| Efficiency ratio | 72.7106% | 4,151 |
| Assets per employee ($millions) | 3.9825% | 3,849 |
| Cash dividends to net income (ytd only)* | 15.7425% | 3,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 3,454 |
| Loan loss allowance to noncurrent loans | 64.6093% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 3.1280% | 2,211 |
| Noncurrent loans to loans | 2.4071% | 3,151 |
| Net loans and leases to total assets | 80.4198% | 920 |
| Net loans and leases to deposits | 97.3026% | 1,178 |
| Net loans and leases to core deposits | 137.5754% | 891 |
| Total domestic deposits to total assets | 82.6492% | 4,681 |
| Equity capital to assets | 10.4041% | 3,279 |
| Core capital (leverage) ratio | 10.1651% | 2,932 |
| Tier 1 risk-based capital ratio | 12.0047% | 4,942 |
| Total risk-based capital ratio | 13.2608% | 4,893 |
| Memoranda: | ||
| Average total assets | $336,950,200 | 2,016 |
| Average earning assets | $316,993,600 | 1,968 |
| Average equity | $30,587,000 | 2,190 |
| Average total loans | $279,198,600 | 1,725 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3166% | 1,099 |
| Cost of funding earning assets | 2.6295% | 959 |
| Net interest margin | 3.6871% | 4,126 |
| Noninterest income to average assets | 0.0051% | 7,818 |
| Noninterest expense to average assets | 2.7313% | 5,184 |
| Loan and lease loss provision to assets | 0.0434% | 6,936 |
| Net operating income to assets | 0.6964% | 3,223 |
| Return on assets (ROA) | 0.7367% | 3,138 |
| Pretax return on assets | 0.7367% | 3,744 |
| Return on Equity (ROE) | 8.4199% | 2,474 |
| Retained earnings to average equity (ytd only) | 6.1896% | 1,852 |
| Net charge-offs to loans | 0.0542% | 6,168 |
| Credit loss provision to net charge-offs | 96.4912% | 5,287 |
| Earnings coverage of net charge-offs (x) | 16.4294% | 1,468 |
| Efficiency ratio | 78.6868% | 3,052 |
| Assets per employee ($millions) | 3.9649% | 3,797 |
| Cash dividends to net income (ytd only)* | 26.4880% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 3,424 |
| Loan loss allowance to noncurrent loans | 60.3505% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 3.1811% | 2,132 |
| Noncurrent loans to loans | 2.4898% | 3,026 |
| Net loans and leases to total assets | 80.7616% | 1,027 |
| Net loans and leases to deposits | 100.4926% | 1,063 |
| Net loans and leases to core deposits | 137.9512% | 1,014 |
| Total domestic deposits to total assets | 80.3657% | 5,304 |
| Equity capital to assets | 9.8877% | 4,228 |
| Core capital (leverage) ratio | 9.6833% | 3,672 |
| Tier 1 risk-based capital ratio | 11.3436% | 5,597 |
| Total risk-based capital ratio | 12.5993% | 5,524 |
| Memoranda: | ||
| Average total assets | $337,554,750 | 2,030 |
| Average earning assets | $317,317,000 | 1,984 |
| Average equity | $29,532,500 | 2,287 |
| Average total loans | $280,678,250 | 1,735 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3495% | 1,095 |
| Cost of funding earning assets | 2.7184% | 989 |
| Net interest margin | 3.6311% | 4,243 |
| Noninterest income to average assets | 0.2527% | 6,476 |
| Noninterest expense to average assets | 2.7555% | 5,153 |
| Loan and lease loss provision to assets | 0.0654% | 6,554 |
| Net operating income to assets | 0.8353% | 2,722 |
| Return on assets (ROA) | 0.8959% | 2,577 |
| Pretax return on assets | 0.8959% | 3,354 |
| Return on Equity (ROE) | 10.7114% | 1,788 |
| Retained earnings to average equity (ytd only) | 7.2001% | 1,505 |
| Net charge-offs to loans | 0.0441% | 5,848 |
| Credit loss provision to net charge-offs | 177.4194% | 2,583 |
| Earnings coverage of net charge-offs (x) | 24.4355% | 1,155 |
| Efficiency ratio | 75.3659% | 3,817 |
| Assets per employee ($millions) | 3.7461% | 4,219 |
| Cash dividends to net income (ytd only)* | 32.7804% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5321% | 3,021 |
| Loan loss allowance to noncurrent loans | 210.8081% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 2.4055% | 2,692 |
| Noncurrent loans to loans | 0.7268% | 5,787 |
| Net loans and leases to total assets | 81.0536% | 1,128 |
| Net loans and leases to deposits | 98.7179% | 1,430 |
| Net loans and leases to core deposits | 135.3997% | 1,248 |
| Total domestic deposits to total assets | 82.1063% | 4,645 |
| Equity capital to assets | 8.4767% | 6,084 |
| Core capital (leverage) ratio | 8.4502% | 5,525 |
| Tier 1 risk-based capital ratio | 9.2912% | 7,548 |
| Total risk-based capital ratio | 10.5460% | 7,529 |
| Memoranda: | ||
| Average total assets | $336,413,000 | 2,058 |
| Average earning assets | $315,333,330 | 2,021 |
| Average equity | $28,138,330 | 2,397 |
| Average total loans | $281,043,670 | 1,767 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3165% | 1,251 |
| Cost of funding earning assets | 2.7809% | 1,026 |
| Net interest margin | 3.5356% | 4,586 |
| Noninterest income to average assets | 0.2297% | 6,622 |
| Noninterest expense to average assets | 2.5937% | 5,477 |
| Loan and lease loss provision to assets | 0.1309% | 5,280 |
| Net operating income to assets | 0.8285% | 3,005 |
| Return on assets (ROA) | 0.9415% | 2,672 |
| Pretax return on assets | 0.9415% | 3,561 |
| Return on Equity (ROE) | 11.3332% | 1,870 |
| Retained earnings to average equity (ytd only) | 7.4934% | 2,027 |
| Net charge-offs to loans | 0.0113% | 5,461 |
| Credit loss provision to net charge-offs | 1,375.0000% | 460 |
| Earnings coverage of net charge-offs (x) | 100.7500% | 430 |
| Efficiency ratio | 72.9983% | 4,007 |
| Assets per employee ($millions) | 3.8029% | 4,086 |
| Cash dividends to net income (ytd only)* | 33.8812% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 2,882 |
| Loan loss allowance to noncurrent loans | 526.4059% | 663 |
| Noncurrent assets plus other real estate owned to assets | 1.8862% | 3,082 |
| Noncurrent loans to loans | 0.2882% | 6,718 |
| Net loans and leases to total assets | 82.5992% | 917 |
| Net loans and leases to deposits | 100.2244% | 1,384 |
| Net loans and leases to core deposits | 150.1490% | 702 |
| Total domestic deposits to total assets | 82.4143% | 4,402 |
| Equity capital to assets | 8.3342% | 6,339 |
| Core capital (leverage) ratio | 8.4184% | 5,682 |
| Tier 1 risk-based capital ratio | 9.0204% | 7,785 |
| Total risk-based capital ratio | 10.2749% | 7,806 |
| Memoranda: | ||
| Average total assets | $336,046,500 | 2,072 |
| Average earning assets | $315,873,000 | 2,020 |
| Average equity | $27,918,000 | 2,424 |
| Average total loans | $282,805,000 | 1,761 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9894% | 1,162 |
| Cost of funding earning assets | 3.4406% | 622 |
| Net interest margin | 3.5488% | 5,102 |
| Noninterest income to average assets | 0.1919% | 7,084 |
| Noninterest expense to average assets | 2.5775% | 5,729 |
| Loan and lease loss provision to assets | 0.1839% | 5,058 |
| Net operating income to assets | 0.7674% | 3,581 |
| Return on assets (ROA) | 0.7818% | 3,359 |
| Pretax return on assets | 0.7818% | 4,136 |
| Return on Equity (ROE) | 9.9435% | 2,283 |
| Retained earnings to average equity (ytd only) | 8.1833% | 787 |
| Net charge-offs to loans | 0.0560% | 5,981 |
| Credit loss provision to net charge-offs | 398.6755% | 1,102 |
| Earnings coverage of net charge-offs (x) | 20.6225% | 1,567 |
| Efficiency ratio | 73.0413% | 3,741 |
| Assets per employee ($millions) | 3.7070% | 4,158 |
| Cash dividends to net income (ytd only)* | 17.7022% | 4,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 2,735 |
| Loan loss allowance to noncurrent loans | 239.1354% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 5,597 |
| Noncurrent loans to loans | 0.6240% | 5,497 |
| Net loans and leases to total assets | 83.1856% | 1,015 |
| Net loans and leases to deposits | 104.9274% | 1,245 |
| Net loans and leases to core deposits | 160.9521% | 554 |
| Total domestic deposits to total assets | 79.2792% | 5,270 |
| Equity capital to assets | 8.2810% | 6,445 |
| Core capital (leverage) ratio | 8.2858% | 5,980 |
| Tier 1 risk-based capital ratio | 9.0061% | 7,774 |
| Total risk-based capital ratio | 10.2608% | 7,767 |
| Memoranda: | ||
| Average total assets | $327,335,600 | 2,042 |
| Average earning assets | $307,792,600 | 1,980 |
| Average equity | $25,735,400 | 2,581 |
| Average total loans | $269,425,000 | 1,776 |