Home > Sturdy Savings Bank > Performance and Condition Ratios
Sturdy Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 4,282 |
| Cost of funding earning assets | 1.0207% | 3,972 |
| Net interest margin | 2.9526% | 3,481 |
| Noninterest income to average assets | 0.4500% | 1,965 |
| Noninterest expense to average assets | 2.7113% | 1,727 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 0.3417% | 3,809 |
| Return on assets (ROA) | 0.3540% | 3,819 |
| Pretax return on assets | 0.4410% | 3,796 |
| Return on Equity (ROE) | 4.9200% | 3,557 |
| Retained earnings to average equity (ytd only) | 4.9195% | 2,591 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 85.2660% | 677 |
| Assets per employee ($millions) | 7.6328% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5976% | 4,170 |
| Loan loss allowance to noncurrent loans | 202.9746% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 2,688 |
| Noncurrent loans to loans | 0.2944% | 2,440 |
| Net loans and leases to total assets | 55.2600% | 3,259 |
| Net loans and leases to deposits | 63.4772% | 3,294 |
| Net loans and leases to core deposits | 68.2917% | 3,375 |
| Total domestic deposits to total assets | 87.0600% | 1,891 |
| Equity capital to assets | 7.2829% | 3,923 |
| Core capital (leverage) ratio | 8.9056% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6279% | 1,349 |
| Memoranda: | ||
| Average total assets | $1,125,515,500 | 926 |
| Average earning assets | $1,034,214,500 | 925 |
| Average equity | $80,984,000 | 1,230 |
| Average total loans | $617,430,500 | 1,134 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8580% | 4,338 |
| Cost of funding earning assets | 1.1686% | 3,853 |
| Net interest margin | 2.6893% | 3,634 |
| Noninterest income to average assets | 0.4800% | 2,039 |
| Noninterest expense to average assets | 2.5487% | 2,165 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.3136% | 3,828 |
| Return on assets (ROA) | 0.3117% | 3,856 |
| Pretax return on assets | 0.3822% | 3,824 |
| Return on Equity (ROE) | 4.8000% | 3,554 |
| Retained earnings to average equity (ytd only) | 4.7959% | 2,315 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 85.6097% | 701 |
| Assets per employee ($millions) | 7.5769% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6064% | 4,184 |
| Loan loss allowance to noncurrent loans | 198.4898% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 2,621 |
| Noncurrent loans to loans | 0.3055% | 2,355 |
| Net loans and leases to total assets | 53.7900% | 3,414 |
| Net loans and leases to deposits | 60.5392% | 3,511 |
| Net loans and leases to core deposits | 64.3590% | 3,594 |
| Total domestic deposits to total assets | 88.8500% | 1,211 |
| Equity capital to assets | 7.1070% | 3,932 |
| Core capital (leverage) ratio | 8.5900% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6591% | 1,354 |
| Memoranda: | ||
| Average total assets | $1,154,973,600 | 901 |
| Average earning assets | $1,062,191,400 | 898 |
| Average equity | $75,064,400 | 1,262 |
| Average total loans | $588,589,600 | 1,147 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 281,233.0000% | 9 |
| Cost of funding earning assets | 110.0000% | 23 |
| Net interest margin | 0.0000% | 4,479 |
| Noninterest income to average assets | 0.0000% | 4,470 |
| Noninterest expense to average assets | 0.0000% | 4,496 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 0.3163% | 3,873 |
| Pretax return on assets | 0.3802% | 3,841 |
| Return on Equity (ROE) | 4.9800% | 3,535 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,956 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 3.0000% | 2,235 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 30,365.0000% | 9 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 1.1283% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1,423.0000% | 19 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 0.0000% | 4,409 |
| Net loans and leases to deposits | 902.0000% | 5 |
| Net loans and leases to core deposits | 0.0000% | 4,405 |
| Total domestic deposits to total assets | 0.0000% | 4,481 |
| Equity capital to assets | 3,627.0000% | 41 |
| Core capital (leverage) ratio | 0.0000% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $358,000 | 4,521 |
| Average earning assets | $1,176 | 4,521 |
| Average equity | $0 | 4,479 |
| Average total loans | $0 | 4,410 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7535% | 4,391 |
| Cost of funding earning assets | 1.2661% | 3,679 |
| Net interest margin | 2.4874% | 3,897 |
| Noninterest income to average assets | 0.5900% | 1,488 |
| Noninterest expense to average assets | 2.5393% | 2,127 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.2952% | 3,849 |
| Return on assets (ROA) | 0.2885% | 3,900 |
| Pretax return on assets | 0.3140% | 3,915 |
| Return on Equity (ROE) | 4.6300% | 3,604 |
| Retained earnings to average equity (ytd only) | 4.6271% | 2,472 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 87.7669% | 672 |
| Assets per employee ($millions) | 7.7190% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5821% | 4,259 |
| Loan loss allowance to noncurrent loans | 511.6006% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 3,256 |
| Noncurrent loans to loans | 0.1138% | 3,079 |
| Net loans and leases to total assets | 52.0900% | 3,537 |
| Net loans and leases to deposits | 60.7320% | 3,538 |
| Net loans and leases to core deposits | 64.0171% | 3,622 |
| Total domestic deposits to total assets | 85.7600% | 2,056 |
| Equity capital to assets | 6.4918% | 4,112 |
| Core capital (leverage) ratio | 8.4776% | 4,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3261% | 1,434 |
| Memoranda: | ||
| Average total assets | $1,160,479,333 | 889 |
| Average earning assets | $1,066,417,333 | 888 |
| Average equity | $72,356,000 | 1,281 |
| Average total loans | $580,291,000 | 1,153 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7909% | 4,382 |
| Cost of funding earning assets | 1.3309% | 3,508 |
| Net interest margin | 2.4600% | 3,926 |
| Noninterest income to average assets | 0.8200% | 788 |
| Noninterest expense to average assets | 2.5238% | 2,174 |
| Loan and lease loss provision to assets | -0.0200% | 4,249 |
| Net operating income to assets | 0.5454% | 3,290 |
| Return on assets (ROA) | 0.5356% | 3,333 |
| Pretax return on assets | 0.5619% | 3,457 |
| Return on Equity (ROE) | 8.7700% | 2,459 |
| Retained earnings to average equity (ytd only) | 8.7667% | 1,372 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 81.3721% | 1,101 |
| Assets per employee ($millions) | 7.6761% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5913% | 4,246 |
| Loan loss allowance to noncurrent loans | 603.0357% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 3,341 |
| Noncurrent loans to loans | 0.0980% | 3,115 |
| Net loans and leases to total assets | 49.9800% | 3,610 |
| Net loans and leases to deposits | 58.1812% | 3,615 |
| Net loans and leases to core deposits | 61.2933% | 3,724 |
| Total domestic deposits to total assets | 85.9000% | 2,136 |
| Equity capital to assets | 6.4073% | 4,106 |
| Core capital (leverage) ratio | 8.0717% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5503% | 1,385 |
| Memoranda: | ||
| Average total assets | $1,169,511,500 | 894 |
| Average earning assets | $1,075,941,500 | 887 |
| Average equity | $71,452,500 | 1,285 |
| Average total loans | $571,174,500 | 1,164 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5008% | 4,394 |
| Cost of funding earning assets | 0.9962% | 3,307 |
| Net interest margin | 2.5045% | 4,084 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.3943% | 2,614 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.1969% | 4,170 |
| Return on assets (ROA) | 0.1826% | 4,205 |
| Pretax return on assets | 0.2093% | 4,188 |
| Return on Equity (ROE) | 3.4300% | 3,965 |
| Retained earnings to average equity (ytd only) | 3.4256% | 3,154 |
| Net charge-offs to loans | -0.0002% | 3,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 90.1365% | 407 |
| Assets per employee ($millions) | 7.8625% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5986% | 4,248 |
| Loan loss allowance to noncurrent loans | 320.1311% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 2,938 |
| Noncurrent loans to loans | 0.1870% | 2,581 |
| Net loans and leases to total assets | 47.2000% | 3,768 |
| Net loans and leases to deposits | 56.5172% | 3,685 |
| Net loans and leases to core deposits | 59.2212% | 3,790 |
| Total domestic deposits to total assets | 83.5100% | 2,749 |
| Equity capital to assets | 5.8284% | 4,265 |
| Core capital (leverage) ratio | 7.6647% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2599% | 1,462 |
| Memoranda: | ||
| Average total assets | $1,216,185,000 | 845 |
| Average earning assets | $1,116,614,000 | 844 |
| Average equity | $64,835,800 | 1,320 |
| Average total loans | $567,795,800 | 1,121 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4365% | 4,406 |
| Cost of funding earning assets | 0.9291% | 3,204 |
| Net interest margin | 2.5074% | 4,135 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.4012% | 2,513 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.1931% | 4,234 |
| Return on assets (ROA) | 0.1851% | 4,262 |
| Pretax return on assets | 0.2119% | 4,246 |
| Return on Equity (ROE) | 3.5500% | 4,038 |
| Retained earnings to average equity (ytd only) | 3.5539% | 3,371 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 90.2267% | 365 |
| Assets per employee ($millions) | 7.7537% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5942% | 4,273 |
| Loan loss allowance to noncurrent loans | 294.3674% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 2,964 |
| Noncurrent loans to loans | 0.2018% | 2,549 |
| Net loans and leases to total assets | 45.5300% | 3,851 |
| Net loans and leases to deposits | 53.3797% | 3,817 |
| Net loans and leases to core deposits | 55.6296% | 3,868 |
| Total domestic deposits to total assets | 85.2900% | 2,417 |
| Equity capital to assets | 5.2616% | 4,199 |
| Core capital (leverage) ratio | 7.5228% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1867% | 1,510 |
| Memoranda: | ||
| Average total assets | $1,219,489,500 | 848 |
| Average earning assets | $1,117,729,750 | 848 |
| Average equity | $63,516,250 | 1,332 |
| Average total loans | $566,944,750 | 1,122 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3843% | 4,425 |
| Cost of funding earning assets | 0.8498% | 3,072 |
| Net interest margin | 2.5345% | 4,178 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.4455% | 2,363 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.1632% | 4,322 |
| Return on assets (ROA) | 0.1632% | 4,348 |
| Pretax return on assets | 0.1825% | 4,337 |
| Return on Equity (ROE) | 3.1400% | 4,134 |
| Retained earnings to average equity (ytd only) | 3.1436% | 3,436 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.4106% | 317 |
| Assets per employee ($millions) | 7.4925% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5851% | 4,317 |
| Loan loss allowance to noncurrent loans | 521.1094% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 3,236 |
| Noncurrent loans to loans | 0.1123% | 2,920 |
| Net loans and leases to total assets | 47.6400% | 3,707 |
| Net loans and leases to deposits | 56.0677% | 3,645 |
| Net loans and leases to core deposits | 58.1711% | 3,707 |
| Total domestic deposits to total assets | 84.9600% | 2,547 |
| Equity capital to assets | 5.3542% | 4,317 |
| Core capital (leverage) ratio | 7.6117% | 4,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7595% | 1,634 |
| Memoranda: | ||
| Average total assets | $1,209,871,333 | 844 |
| Average earning assets | $1,109,949,333 | 842 |
| Average equity | $62,794,000 | 1,342 |
| Average total loans | $565,352,000 | 1,115 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3107% | 4,427 |
| Cost of funding earning assets | 0.6475% | 3,231 |
| Net interest margin | 2.6632% | 4,132 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.4426% | 2,391 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.2290% | 4,325 |
| Return on assets (ROA) | 0.2407% | 4,281 |
| Pretax return on assets | 0.2938% | 4,267 |
| Return on Equity (ROE) | 4.7100% | 3,932 |
| Retained earnings to average equity (ytd only) | 4.7110% | 3,086 |
| Net charge-offs to loans | 0.0029% | 1,917 |
| Credit loss provision to net charge-offs | 800.0000% | 413 |
| Earnings coverage of net charge-offs (x) | 233.2500% | 457 |
| Efficiency ratio | 88.2261% | 411 |
| Assets per employee ($millions) | 7.7771% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5791% | 4,385 |
| Loan loss allowance to noncurrent loans | 142.6343% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 2,193 |
| Noncurrent loans to loans | 0.4060% | 1,714 |
| Net loans and leases to total assets | 46.5900% | 3,743 |
| Net loans and leases to deposits | 54.1380% | 3,671 |
| Net loans and leases to core deposits | 56.0565% | 3,736 |
| Total domestic deposits to total assets | 86.0500% | 2,574 |
| Equity capital to assets | 5.2748% | 4,379 |
| Core capital (leverage) ratio | 7.5579% | 4,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5209% | 1,790 |
| Memoranda: | ||
| Average total assets | $1,211,658,500 | 860 |
| Average earning assets | $1,111,895,000 | 855 |
| Average equity | $61,897,500 | 1,364 |
| Average total loans | $559,017,500 | 1,138 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8743% | 4,264 |
| Cost of funding earning assets | 0.0793% | 4,474 |
| Net interest margin | 2.7950% | 3,906 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.4438% | 2,292 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.3745% | 4,277 |
| Return on assets (ROA) | 0.3528% | 4,272 |
| Pretax return on assets | 0.4540% | 4,225 |
| Return on Equity (ROE) | 6.5100% | 3,727 |
| Retained earnings to average equity (ytd only) | 6.5143% | 2,446 |
| Net charge-offs to loans | 0.0032% | 2,366 |
| Credit loss provision to net charge-offs | -717.6471% | 4,648 |
| Earnings coverage of net charge-offs (x) | 345.7059% | 440 |
| Efficiency ratio | 83.2815% | 522 |
| Assets per employee ($millions) | 7.5160% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6041% | 4,334 |
| Loan loss allowance to noncurrent loans | 223.2683% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 2,668 |
| Noncurrent loans to loans | 0.2706% | 2,185 |
| Net loans and leases to total assets | 45.1400% | 3,841 |
| Net loans and leases to deposits | 50.8133% | 3,862 |
| Net loans and leases to core deposits | 51.0077% | 3,941 |
| Total domestic deposits to total assets | 88.8300% | 1,770 |
| Equity capital to assets | 4.9417% | 4,374 |
| Core capital (leverage) ratio | 7.4044% | 4,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8584% | 1,672 |
| Memoranda: | ||
| Average total assets | $1,245,931,000 | 828 |
| Average earning assets | $1,149,042,400 | 826 |
| Average equity | $67,482,800 | 1,287 |
| Average total loans | $531,413,400 | 1,126 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7725% | 4,220 |
| Cost of funding earning assets | 0.0565% | 4,546 |
| Net interest margin | 2.7161% | 3,896 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.3119% | 2,599 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.4195% | 4,209 |
| Return on assets (ROA) | 0.3902% | 4,203 |
| Pretax return on assets | 0.5077% | 4,139 |
| Return on Equity (ROE) | 7.0600% | 3,583 |
| Retained earnings to average equity (ytd only) | 7.0561% | 2,342 |
| Net charge-offs to loans | 0.0020% | 2,213 |
| Credit loss provision to net charge-offs | 737.5000% | 498 |
| Earnings coverage of net charge-offs (x) | 648.1250% | 252 |
| Efficiency ratio | 80.2108% | 765 |
| Assets per employee ($millions) | 7.5011% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6578% | 4,319 |
| Loan loss allowance to noncurrent loans | 299.2327% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 3,009 |
| Noncurrent loans to loans | 0.2198% | 2,512 |
| Net loans and leases to total assets | 42.0600% | 3,981 |
| Net loans and leases to deposits | 45.7409% | 4,038 |
| Net loans and leases to core deposits | 45.8782% | 4,115 |
| Total domestic deposits to total assets | 91.9600% | 892 |
| Equity capital to assets | 4.5227% | 4,393 |
| Core capital (leverage) ratio | 7.2666% | 4,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7076% | 1,808 |
| Memoranda: | ||
| Average total assets | $1,254,893,000 | 823 |
| Average earning assets | $1,158,954,250 | 821 |
| Average equity | $69,403,750 | 1,272 |
| Average total loans | $526,883,250 | 1,130 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5846% | 4,289 |
| Cost of funding earning assets | 0.0551% | 4,565 |
| Net interest margin | 2.5296% | 4,035 |
| Noninterest income to average assets | 0.3656% | 2,955 |
| Noninterest expense to average assets | 2.3171% | 2,501 |
| Loan and lease loss provision to assets | 0.0099% | 2,413 |
| Net operating income to assets | 0.3024% | 4,284 |
| Return on assets (ROA) | 0.2728% | 4,286 |
| Pretax return on assets | 0.3403% | 4,239 |
| Return on Equity (ROE) | 4.6478% | 3,882 |
| Retained earnings to average equity (ytd only) | 4.6478% | 2,835 |
| Net charge-offs to loans | -0.0004% | 2,977 |
| Credit loss provision to net charge-offs | -6,200.0000% | 3,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1098% | 619 |
| Assets per employee ($millions) | 7.3768% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6554% | 4,401 |
| Loan loss allowance to noncurrent loans | 59.7658% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 0.4871% | 1,166 |
| Noncurrent loans to loans | 1.0966% | 753 |
| Net loans and leases to total assets | 44.1276% | 3,824 |
| Net loans and leases to deposits | 48.9270% | 3,867 |
| Net loans and leases to core deposits | 49.0719% | 3,974 |
| Total domestic deposits to total assets | 90.1907% | 1,633 |
| Equity capital to assets | 4.6428% | 4,540 |
| Core capital (leverage) ratio | 7.2611% | 4,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1432% | 2,000 |
| Memoranda: | ||
| Average total assets | $1,253,127,667 | 820 |
| Average earning assets | $1,158,543,667 | 824 |
| Average equity | $73,540,000 | 1,246 |
| Average total loans | $524,642,333 | 1,130 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4177% | 4,361 |
| Cost of funding earning assets | 0.0624% | 4,513 |
| Net interest margin | 2.3553% | 4,144 |
| Noninterest income to average assets | 0.3932% | 2,734 |
| Noninterest expense to average assets | 2.2921% | 2,529 |
| Loan and lease loss provision to assets | -0.0351% | 4,492 |
| Net operating income to assets | 0.2653% | 4,211 |
| Return on assets (ROA) | 0.2325% | 4,244 |
| Pretax return on assets | 0.2859% | 4,203 |
| Return on Equity (ROE) | 3.6047% | 3,967 |
| Retained earnings to average equity (ytd only) | 3.6047% | 3,070 |
| Net charge-offs to loans | 0.0031% | 1,674 |
| Credit loss provision to net charge-offs | -2,800.0000% | 3,442 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 391 |
| Efficiency ratio | 88.1453% | 628 |
| Assets per employee ($millions) | 7.9879% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6571% | 4,452 |
| Loan loss allowance to noncurrent loans | 51.1475% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 1,164 |
| Noncurrent loans to loans | 1.2846% | 682 |
| Net loans and leases to total assets | 39.7960% | 4,029 |
| Net loans and leases to deposits | 43.7843% | 4,077 |
| Net loans and leases to core deposits | 43.9165% | 4,164 |
| Total domestic deposits to total assets | 90.8911% | 1,091 |
| Equity capital to assets | 5.6835% | 4,642 |
| Core capital (leverage) ratio | 7.1709% | 4,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7570% | 1,896 |
| Memoranda: | ||
| Average total assets | $1,274,793,500 | 817 |
| Average earning assets | $1,185,428,500 | 811 |
| Average equity | $82,226,000 | 1,167 |
| Average total loans | $518,275,500 | 1,130 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8360% | 4,150 |
| Cost of funding earning assets | 0.1001% | 4,383 |
| Net interest margin | 2.7359% | 3,804 |
| Noninterest income to average assets | 0.3247% | 3,461 |
| Noninterest expense to average assets | 2.3609% | 2,620 |
| Loan and lease loss provision to assets | -0.0009% | 4,133 |
| Net operating income to assets | 0.3837% | 4,302 |
| Return on assets (ROA) | 0.3779% | 4,338 |
| Pretax return on assets | 0.4973% | 4,264 |
| Return on Equity (ROE) | 4.7634% | 4,050 |
| Retained earnings to average equity (ytd only) | 4.7634% | 2,887 |
| Net charge-offs to loans | 0.0039% | 2,465 |
| Credit loss provision to net charge-offs | -45.4545% | 3,248 |
| Earnings coverage of net charge-offs (x) | 267.6818% | 440 |
| Efficiency ratio | 81.8293% | 692 |
| Assets per employee ($millions) | 7.8019% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6554% | 4,489 |
| Loan loss allowance to noncurrent loans | 40.9688% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 985 |
| Noncurrent loans to loans | 1.5997% | 546 |
| Net loans and leases to total assets | 40.9773% | 4,033 |
| Net loans and leases to deposits | 45.8137% | 4,103 |
| Net loans and leases to core deposits | 45.9539% | 4,186 |
| Total domestic deposits to total assets | 89.4433% | 1,270 |
| Equity capital to assets | 7.2112% | 4,677 |
| Core capital (leverage) ratio | 7.2336% | 4,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5996% | 1,654 |
| Memoranda: | ||
| Average total assets | $1,168,980,200 | 852 |
| Average earning assets | $1,085,260,800 | 844 |
| Average equity | $92,727,200 | 1,074 |
| Average total loans | $557,317,000 | 1,078 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9586% | 4,070 |
| Cost of funding earning assets | 0.1009% | 4,496 |
| Net interest margin | 2.8577% | 3,637 |
| Noninterest income to average assets | 0.3417% | 3,405 |
| Noninterest expense to average assets | 2.3917% | 2,464 |
| Loan and lease loss provision to assets | -0.0032% | 4,298 |
| Net operating income to assets | 0.4504% | 4,296 |
| Return on assets (ROA) | 0.4451% | 4,337 |
| Pretax return on assets | 0.5929% | 4,243 |
| Return on Equity (ROE) | 5.4715% | 4,026 |
| Retained earnings to average equity (ytd only) | 5.4715% | 3,052 |
| Net charge-offs to loans | 0.0026% | 2,267 |
| Credit loss provision to net charge-offs | -245.4545% | 3,434 |
| Earnings coverage of net charge-offs (x) | 464.1818% | 318 |
| Efficiency ratio | 79.4644% | 778 |
| Assets per employee ($millions) | 7.7199% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6342% | 4,589 |
| Loan loss allowance to noncurrent loans | 36.7771% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 977 |
| Noncurrent loans to loans | 1.7245% | 582 |
| Net loans and leases to total assets | 42.9930% | 4,025 |
| Net loans and leases to deposits | 48.2484% | 4,100 |
| Net loans and leases to core deposits | 48.3984% | 4,219 |
| Total domestic deposits to total assets | 89.1076% | 1,225 |
| Equity capital to assets | 7.4445% | 4,718 |
| Core capital (leverage) ratio | 7.4673% | 4,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9814% | 1,618 |
| Memoranda: | ||
| Average total assets | $1,141,346,500 | 878 |
| Average earning assets | $1,056,987,750 | 871 |
| Average equity | $92,842,000 | 1,085 |
| Average total loans | $564,703,750 | 1,086 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0383% | 3,976 |
| Cost of funding earning assets | 0.1054% | 4,539 |
| Net interest margin | 2.9330% | 3,495 |
| Noninterest income to average assets | 0.3523% | 3,348 |
| Noninterest expense to average assets | 2.4337% | 2,354 |
| Loan and lease loss provision to assets | 0.0151% | 2,650 |
| Net operating income to assets | 0.4627% | 4,283 |
| Return on assets (ROA) | 0.4559% | 4,334 |
| Pretax return on assets | 0.6073% | 4,220 |
| Return on Equity (ROE) | 5.4298% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.4298% | 3,026 |
| Net charge-offs to loans | 0.0017% | 2,150 |
| Credit loss provision to net charge-offs | 1,660.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 695.4000% | 202 |
| Efficiency ratio | 78.8408% | 855 |
| Assets per employee ($millions) | 7.1878% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6166% | 4,637 |
| Loan loss allowance to noncurrent loans | 38.7850% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 0.8103% | 991 |
| Noncurrent loans to loans | 1.5898% | 696 |
| Net loans and leases to total assets | 50.6531% | 3,490 |
| Net loans and leases to deposits | 57.5060% | 3,595 |
| Net loans and leases to core deposits | 57.7065% | 3,780 |
| Total domestic deposits to total assets | 88.0832% | 1,777 |
| Equity capital to assets | 8.1554% | 4,452 |
| Core capital (leverage) ratio | 7.9622% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3688% | 1,846 |
| Memoranda: | ||
| Average total assets | $1,102,345,000 | 893 |
| Average earning assets | $1,019,382,333 | 894 |
| Average equity | $92,563,333 | 1,084 |
| Average total loans | $571,453,000 | 1,080 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0147% | 4,046 |
| Cost of funding earning assets | 0.1122% | 4,571 |
| Net interest margin | 2.9025% | 3,513 |
| Noninterest income to average assets | 0.3537% | 3,320 |
| Noninterest expense to average assets | 2.4361% | 2,375 |
| Loan and lease loss provision to assets | 0.0074% | 2,673 |
| Net operating income to assets | 0.4520% | 4,272 |
| Return on assets (ROA) | 0.4366% | 4,325 |
| Pretax return on assets | 0.5792% | 4,220 |
| Return on Equity (ROE) | 5.1224% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.1224% | 3,185 |
| Net charge-offs to loans | 0.0021% | 1,845 |
| Credit loss provision to net charge-offs | 666.6667% | 522 |
| Earnings coverage of net charge-offs (x) | 548.3333% | 173 |
| Efficiency ratio | 79.4962% | 850 |
| Assets per employee ($millions) | 7.2057% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6063% | 4,683 |
| Loan loss allowance to noncurrent loans | 41.8266% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 0.7558% | 1,208 |
| Noncurrent loans to loans | 1.4495% | 868 |
| Net loans and leases to total assets | 51.8265% | 3,462 |
| Net loans and leases to deposits | 58.8826% | 3,573 |
| Net loans and leases to core deposits | 59.0929% | 3,765 |
| Total domestic deposits to total assets | 88.0167% | 1,834 |
| Equity capital to assets | 8.1129% | 4,424 |
| Core capital (leverage) ratio | 8.1234% | 4,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4613% | 1,755 |
| Memoranda: | ||
| Average total assets | $1,085,678,500 | 894 |
| Average earning assets | $1,005,619,000 | 894 |
| Average equity | $92,535,500 | 1,077 |
| Average total loans | $567,767,000 | 1,089 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3936% | 4,200 |
| Cost of funding earning assets | 0.1756% | 4,660 |
| Net interest margin | 3.2181% | 3,312 |
| Noninterest income to average assets | 0.3494% | 3,370 |
| Noninterest expense to average assets | 2.7133% | 2,203 |
| Loan and lease loss provision to assets | 0.1380% | 2,635 |
| Net operating income to assets | 0.3301% | 4,392 |
| Return on assets (ROA) | 0.4055% | 4,316 |
| Pretax return on assets | 0.5430% | 4,195 |
| Return on Equity (ROE) | 4.2354% | 4,104 |
| Retained earnings to average equity (ytd only) | 4.2354% | 2,691 |
| Net charge-offs to loans | 0.1300% | 1,215 |
| Credit loss provision to net charge-offs | 179.5640% | 2,268 |
| Earnings coverage of net charge-offs (x) | 7.6199% | 2,678 |
| Efficiency ratio | 81.6266% | 769 |
| Assets per employee ($millions) | 6.7195% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6268% | 4,689 |
| Loan loss allowance to noncurrent loans | 43.0669% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 0.7933% | 1,289 |
| Noncurrent loans to loans | 1.4555% | 924 |
| Net loans and leases to total assets | 52.1276% | 3,649 |
| Net loans and leases to deposits | 60.0543% | 3,760 |
| Net loans and leases to core deposits | 60.3013% | 3,927 |
| Total domestic deposits to total assets | 86.8007% | 2,036 |
| Equity capital to assets | 8.9522% | 4,099 |
| Core capital (leverage) ratio | 8.0415% | 4,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7312% | 1,620 |
| Memoranda: | ||
| Average total assets | $955,281,400 | 916 |
| Average earning assets | $875,518,800 | 931 |
| Average equity | $91,467,800 | 1,044 |
| Average total loans | $564,793,600 | 1,037 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5079% | 4,199 |
| Cost of funding earning assets | 0.1950% | 4,692 |
| Net interest margin | 3.3128% | 3,149 |
| Noninterest income to average assets | 0.3411% | 3,434 |
| Noninterest expense to average assets | 2.8198% | 1,920 |
| Loan and lease loss provision to assets | 0.1972% | 2,009 |
| Net operating income to assets | 0.2593% | 4,510 |
| Return on assets (ROA) | 0.3545% | 4,406 |
| Pretax return on assets | 0.4708% | 4,344 |
| Return on Equity (ROE) | 3.6345% | 4,261 |
| Retained earnings to average equity (ytd only) | 3.6345% | 3,236 |
| Net charge-offs to loans | 0.1722% | 858 |
| Credit loss provision to net charge-offs | 187.5683% | 2,156 |
| Earnings coverage of net charge-offs (x) | 5.2090% | 2,755 |
| Efficiency ratio | 83.1159% | 666 |
| Assets per employee ($millions) | 6.0951% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6116% | 4,709 |
| Loan loss allowance to noncurrent loans | 42.6545% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 0.8613% | 1,350 |
| Noncurrent loans to loans | 1.4339% | 1,009 |
| Net loans and leases to total assets | 54.0511% | 3,801 |
| Net loans and leases to deposits | 61.9148% | 3,940 |
| Net loans and leases to core deposits | 62.1683% | 4,096 |
| Total domestic deposits to total assets | 87.2991% | 1,543 |
| Equity capital to assets | 8.6800% | 4,347 |
| Core capital (leverage) ratio | 8.2124% | 4,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4800% | 1,666 |
| Memoranda: | ||
| Average total assets | $928,681,750 | 932 |
| Average earning assets | $848,317,750 | 934 |
| Average equity | $90,573,750 | 1,041 |
| Average total loans | $566,762,250 | 1,028 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6448% | 4,183 |
| Cost of funding earning assets | 0.2310% | 4,683 |
| Net interest margin | 3.4137% | 3,059 |
| Noninterest income to average assets | 0.3603% | 3,326 |
| Noninterest expense to average assets | 2.9800% | 1,633 |
| Loan and lease loss provision to assets | 0.2581% | 1,638 |
| Net operating income to assets | 0.1887% | 4,586 |
| Return on assets (ROA) | 0.2003% | 4,616 |
| Pretax return on assets | 0.2540% | 4,583 |
| Return on Equity (ROE) | 1.9666% | 4,541 |
| Retained earnings to average equity (ytd only) | 1.9666% | 3,773 |
| Net charge-offs to loans | 0.2593% | 607 |
| Credit loss provision to net charge-offs | 156.2414% | 2,100 |
| Earnings coverage of net charge-offs (x) | 3.0110% | 2,715 |
| Efficiency ratio | 85.0590% | 582 |
| Assets per employee ($millions) | 6.0147% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5622% | 4,779 |
| Loan loss allowance to noncurrent loans | 36.7983% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.0051% | 1,196 |
| Noncurrent loans to loans | 1.5279% | 990 |
| Net loans and leases to total assets | 60.9592% | 3,219 |
| Net loans and leases to deposits | 70.8456% | 3,357 |
| Net loans and leases to core deposits | 71.2439% | 3,629 |
| Total domestic deposits to total assets | 86.0451% | 1,987 |
| Equity capital to assets | 9.4993% | 3,664 |
| Core capital (leverage) ratio | 9.3668% | 3,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4466% | 1,648 |
| Memoranda: | ||
| Average total assets | $882,694,000 | 952 |
| Average earning assets | $805,977,333 | 966 |
| Average equity | $89,903,333 | 1,037 |
| Average total loans | $562,322,667 | 1,018 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9050% | 4,019 |
| Cost of funding earning assets | 0.3205% | 4,595 |
| Net interest margin | 3.5845% | 2,721 |
| Noninterest income to average assets | 0.3882% | 3,182 |
| Noninterest expense to average assets | 3.1806% | 1,465 |
| Loan and lease loss provision to assets | 0.5989% | 463 |
| Net operating income to assets | -0.0699% | 4,789 |
| Return on assets (ROA) | -0.0527% | 4,764 |
| Pretax return on assets | -0.1054% | 4,778 |
| Return on Equity (ROE) | -0.4981% | 4,775 |
| Retained earnings to average equity (ytd only) | -0.4981% | 4,075 |
| Net charge-offs to loans | 0.5294% | 275 |
| Credit loss provision to net charge-offs | 173.8292% | 1,495 |
| Earnings coverage of net charge-offs (x) | 1.3691% | 2,395 |
| Efficiency ratio | 86.4475% | 673 |
| Assets per employee ($millions) | 5.4186% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6250% | 4,724 |
| Loan loss allowance to noncurrent loans | 103.6112% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5114% | 2,461 |
| Noncurrent loans to loans | 0.6032% | 2,483 |
| Net loans and leases to total assets | 65.1781% | 2,912 |
| Net loans and leases to deposits | 75.3067% | 3,139 |
| Net loans and leases to core deposits | 75.8197% | 3,508 |
| Total domestic deposits to total assets | 86.5501% | 1,750 |
| Equity capital to assets | 10.7213% | 3,114 |
| Core capital (leverage) ratio | 9.7625% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4847% | 1,759 |
| Memoranda: | ||
| Average total assets | $842,865,000 | 968 |
| Average earning assets | $767,528,000 | 974 |
| Average equity | $89,146,500 | 1,040 |
| Average total loans | $548,504,500 | 1,010 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9418% | 4,362 |
| Cost of funding earning assets | 0.3282% | 4,657 |
| Net interest margin | 3.6136% | 3,093 |
| Noninterest income to average assets | 0.4128% | 3,215 |
| Noninterest expense to average assets | 3.1557% | 1,627 |
| Loan and lease loss provision to assets | 0.0594% | 2,847 |
| Net operating income to assets | 0.3543% | 4,670 |
| Return on assets (ROA) | 0.3627% | 4,691 |
| Pretax return on assets | 0.4870% | 4,599 |
| Return on Equity (ROE) | 3.5908% | 4,553 |
| Retained earnings to average equity (ytd only) | 3.5908% | 3,203 |
| Net charge-offs to loans | 0.0693% | 2,101 |
| Credit loss provision to net charge-offs | 133.5092% | 1,915 |
| Earnings coverage of net charge-offs (x) | 12.0343% | 2,440 |
| Efficiency ratio | 84.8633% | 610 |
| Assets per employee ($millions) | 5.3535% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5323% | 4,850 |
| Loan loss allowance to noncurrent loans | 73.7443% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.6265% | 2,012 |
| Noncurrent loans to loans | 0.7218% | 2,075 |
| Net loans and leases to total assets | 64.2243% | 3,169 |
| Net loans and leases to deposits | 73.2996% | 3,411 |
| Net loans and leases to core deposits | 73.9658% | 3,723 |
| Total domestic deposits to total assets | 87.6189% | 1,307 |
| Equity capital to assets | 10.4330% | 3,511 |
| Core capital (leverage) ratio | 9.4057% | 4,165 |
| Tier 1 risk-based capital ratio | 14.8867% | 2,828 |
| Total risk-based capital ratio | 15.4145% | 3,097 |
| Memoranda: | ||
| Average total assets | $851,339,600 | 928 |
| Average earning assets | $772,437,400 | 937 |
| Average equity | $85,997,400 | 1,023 |
| Average total loans | $547,012,600 | 985 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9235% | 4,500 |
| Cost of funding earning assets | 0.3249% | 4,735 |
| Net interest margin | 3.5987% | 3,260 |
| Noninterest income to average assets | 0.4287% | 3,156 |
| Noninterest expense to average assets | 3.0503% | 1,831 |
| Loan and lease loss provision to assets | 0.0052% | 3,774 |
| Net operating income to assets | 0.4673% | 4,589 |
| Return on assets (ROA) | 0.4794% | 4,606 |
| Pretax return on assets | 0.6501% | 4,445 |
| Return on Equity (ROE) | 4.7848% | 4,389 |
| Retained earnings to average equity (ytd only) | 4.7848% | 3,003 |
| Net charge-offs to loans | 0.0127% | 2,918 |
| Credit loss provision to net charge-offs | 63.4615% | 2,680 |
| Earnings coverage of net charge-offs (x) | 78.7134% | 872 |
| Efficiency ratio | 82.0347% | 753 |
| Assets per employee ($millions) | 5.5494% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5135% | 4,955 |
| Loan loss allowance to noncurrent loans | 68.0217% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.6227% | 2,136 |
| Noncurrent loans to loans | 0.7549% | 2,078 |
| Net loans and leases to total assets | 59.8683% | 3,683 |
| Net loans and leases to deposits | 67.8923% | 3,930 |
| Net loans and leases to core deposits | 68.4727% | 4,140 |
| Total domestic deposits to total assets | 88.1812% | 958 |
| Equity capital to assets | 9.8610% | 4,150 |
| Core capital (leverage) ratio | 9.5441% | 4,121 |
| Tier 1 risk-based capital ratio | 15.0032% | 2,842 |
| Total risk-based capital ratio | 15.5088% | 3,096 |
| Memoranda: | ||
| Average total assets | $852,712,500 | 922 |
| Average earning assets | $772,823,500 | 937 |
| Average equity | $85,435,000 | 1,024 |
| Average total loans | $547,229,000 | 985 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9458% | 4,489 |
| Cost of funding earning assets | 0.3405% | 4,713 |
| Net interest margin | 3.6054% | 3,237 |
| Noninterest income to average assets | 0.4262% | 3,093 |
| Noninterest expense to average assets | 3.0098% | 1,980 |
| Loan and lease loss provision to assets | 0.0236% | 3,335 |
| Net operating income to assets | 0.4845% | 4,564 |
| Return on assets (ROA) | 0.4986% | 4,562 |
| Pretax return on assets | 0.6767% | 4,389 |
| Return on Equity (ROE) | 4.9488% | 4,356 |
| Retained earnings to average equity (ytd only) | 4.9488% | 2,791 |
| Net charge-offs to loans | 0.0164% | 2,565 |
| Credit loss provision to net charge-offs | 220.0000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 63.6222% | 952 |
| Efficiency ratio | 80.8921% | 892 |
| Assets per employee ($millions) | 5.5416% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5154% | 4,999 |
| Loan loss allowance to noncurrent loans | 44.7709% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 0.8633% | 1,626 |
| Noncurrent loans to loans | 1.1513% | 1,409 |
| Net loans and leases to total assets | 64.9378% | 3,246 |
| Net loans and leases to deposits | 75.5410% | 3,375 |
| Net loans and leases to core deposits | 76.1815% | 3,713 |
| Total domestic deposits to total assets | 85.9637% | 2,054 |
| Equity capital to assets | 10.3265% | 3,670 |
| Core capital (leverage) ratio | 9.8094% | 3,816 |
| Tier 1 risk-based capital ratio | 14.6693% | 2,985 |
| Total risk-based capital ratio | 15.1832% | 3,262 |
| Memoranda: | ||
| Average total assets | $839,129,670 | 932 |
| Average earning assets | $760,140,670 | 950 |
| Average equity | $84,545,330 | 1,029 |
| Average total loans | $550,418,330 | 981 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9445% | 4,484 |
| Cost of funding earning assets | 0.2936% | 4,871 |
| Net interest margin | 3.6509% | 3,071 |
| Noninterest income to average assets | 0.3916% | 3,239 |
| Noninterest expense to average assets | 2.9415% | 2,152 |
| Loan and lease loss provision to assets | 0.0258% | 3,094 |
| Net operating income to assets | 0.5365% | 4,418 |
| Return on assets (ROA) | 0.5497% | 4,412 |
| Pretax return on assets | 0.7489% | 4,173 |
| Return on Equity (ROE) | 5.5253% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.5253% | 2,687 |
| Net charge-offs to loans | 0.0211% | 2,033 |
| Credit loss provision to net charge-offs | 186.2069% | 1,097 |
| Earnings coverage of net charge-offs (x) | 54.7241% | 969 |
| Efficiency ratio | 78.8923% | 1,172 |
| Assets per employee ($millions) | 5.5992% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5115% | 5,068 |
| Loan loss allowance to noncurrent loans | 59.0278% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 0.6856% | 2,044 |
| Noncurrent loans to loans | 0.8665% | 1,910 |
| Net loans and leases to total assets | 65.3970% | 3,125 |
| Net loans and leases to deposits | 75.6376% | 3,294 |
| Net loans and leases to core deposits | 77.9620% | 3,523 |
| Total domestic deposits to total assets | 86.4609% | 2,094 |
| Equity capital to assets | 10.1237% | 3,700 |
| Core capital (leverage) ratio | 9.6965% | 3,923 |
| Tier 1 risk-based capital ratio | 14.6800% | 3,017 |
| Total risk-based capital ratio | 15.1953% | 3,286 |
| Memoranda: | ||
| Average total assets | $837,530,500 | 936 |
| Average earning assets | $758,836,500 | 951 |
| Average equity | $83,326,500 | 1,035 |
| Average total loans | $550,716,000 | 983 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9383% | 4,193 |
| Cost of funding earning assets | 0.1759% | 5,091 |
| Net interest margin | 3.7624% | 2,813 |
| Noninterest income to average assets | 0.3634% | 3,662 |
| Noninterest expense to average assets | 2.8435% | 2,540 |
| Loan and lease loss provision to assets | 0.0303% | 3,583 |
| Net operating income to assets | 0.6563% | 4,267 |
| Return on assets (ROA) | 0.6546% | 4,276 |
| Pretax return on assets | 0.9000% | 3,899 |
| Return on Equity (ROE) | 7.0577% | 3,805 |
| Retained earnings to average equity (ytd only) | 7.0577% | 1,648 |
| Net charge-offs to loans | 0.0152% | 3,175 |
| Credit loss provision to net charge-offs | 310.8434% | 1,007 |
| Earnings coverage of net charge-offs (x) | 95.6386% | 758 |
| Efficiency ratio | 74.6967% | 1,539 |
| Assets per employee ($millions) | 5.6052% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5027% | 5,118 |
| Loan loss allowance to noncurrent loans | 216.0062% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 3,457 |
| Noncurrent loans to loans | 0.2327% | 3,749 |
| Net loans and leases to total assets | 65.4455% | 3,205 |
| Net loans and leases to deposits | 74.0753% | 3,494 |
| Net loans and leases to core deposits | 76.1077% | 3,711 |
| Total domestic deposits to total assets | 88.3499% | 1,136 |
| Equity capital to assets | 9.7758% | 3,881 |
| Core capital (leverage) ratio | 9.0529% | 4,601 |
| Tier 1 risk-based capital ratio | 14.2503% | 3,183 |
| Total risk-based capital ratio | 14.7538% | 3,455 |
| Memoranda: | ||
| Average total assets | $851,354,000 | 895 |
| Average earning assets | $772,168,000 | 911 |
| Average equity | $78,963,800 | 1,040 |
| Average total loans | $545,058,800 | 960 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8962% | 4,224 |
| Cost of funding earning assets | 0.1888% | 5,057 |
| Net interest margin | 3.7074% | 2,993 |
| Noninterest income to average assets | 0.3600% | 3,727 |
| Noninterest expense to average assets | 2.8363% | 2,511 |
| Loan and lease loss provision to assets | 0.0306% | 3,406 |
| Net operating income to assets | 0.6235% | 4,438 |
| Return on assets (ROA) | 0.6220% | 4,456 |
| Pretax return on assets | 0.8515% | 4,164 |
| Return on Equity (ROE) | 6.7965% | 4,001 |
| Retained earnings to average equity (ytd only) | 6.7965% | 2,238 |
| Net charge-offs to loans | 0.0145% | 2,903 |
| Credit loss provision to net charge-offs | 332.2034% | 950 |
| Earnings coverage of net charge-offs (x) | 95.9718% | 780 |
| Efficiency ratio | 75.6221% | 1,395 |
| Assets per employee ($millions) | 5.7703% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5003% | 5,190 |
| Loan loss allowance to noncurrent loans | 187.5513% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3279% | 3,370 |
| Noncurrent loans to loans | 0.2668% | 3,731 |
| Net loans and leases to total assets | 61.3659% | 3,710 |
| Net loans and leases to deposits | 68.7811% | 4,002 |
| Net loans and leases to core deposits | 70.3664% | 4,171 |
| Total domestic deposits to total assets | 89.2191% | 766 |
| Equity capital to assets | 8.9089% | 4,630 |
| Core capital (leverage) ratio | 8.8905% | 4,810 |
| Tier 1 risk-based capital ratio | 13.9707% | 3,390 |
| Total risk-based capital ratio | 14.4682% | 3,691 |
| Memoranda: | ||
| Average total assets | $853,997,250 | 890 |
| Average earning assets | $774,037,750 | 905 |
| Average equity | $78,156,500 | 1,043 |
| Average total loans | $543,065,250 | 964 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9176% | 4,022 |
| Cost of funding earning assets | 0.2132% | 4,955 |
| Net interest margin | 3.7044% | 2,908 |
| Noninterest income to average assets | 0.3347% | 3,942 |
| Noninterest expense to average assets | 2.8571% | 2,476 |
| Loan and lease loss provision to assets | 0.0648% | 2,600 |
| Net operating income to assets | 0.5770% | 4,575 |
| Return on assets (ROA) | 0.5747% | 4,576 |
| Pretax return on assets | 0.7632% | 4,357 |
| Return on Equity (ROE) | 6.2221% | 4,161 |
| Retained earnings to average equity (ytd only) | 6.2221% | 2,451 |
| Net charge-offs to loans | 0.0211% | 2,461 |
| Credit loss provision to net charge-offs | 478.9474% | 729 |
| Earnings coverage of net charge-offs (x) | 61.4035% | 982 |
| Efficiency ratio | 76.8458% | 1,335 |
| Assets per employee ($millions) | 6.0189% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5040% | 5,256 |
| Loan loss allowance to noncurrent loans | 178.5940% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 3,073 |
| Noncurrent loans to loans | 0.2822% | 3,690 |
| Net loans and leases to total assets | 65.1369% | 3,255 |
| Net loans and leases to deposits | 76.1981% | 3,305 |
| Net loans and leases to core deposits | 78.5735% | 3,529 |
| Total domestic deposits to total assets | 85.4836% | 2,504 |
| Equity capital to assets | 9.1477% | 4,438 |
| Core capital (leverage) ratio | 8.9519% | 4,727 |
| Tier 1 risk-based capital ratio | 13.2722% | 3,748 |
| Total risk-based capital ratio | 13.7685% | 4,073 |
| Memoranda: | ||
| Average total assets | $842,456,670 | 902 |
| Average earning assets | $762,613,330 | 920 |
| Average equity | $77,820,000 | 1,045 |
| Average total loans | $541,403,330 | 971 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7831% | 4,271 |
| Cost of funding earning assets | 0.1901% | 5,080 |
| Net interest margin | 3.5931% | 3,208 |
| Noninterest income to average assets | 0.3573% | 3,755 |
| Noninterest expense to average assets | 2.8170% | 2,642 |
| Loan and lease loss provision to assets | 0.0660% | 2,452 |
| Net operating income to assets | 0.5519% | 4,568 |
| Return on assets (ROA) | 0.5519% | 4,571 |
| Pretax return on assets | 0.7294% | 4,361 |
| Return on Equity (ROE) | 5.9455% | 4,176 |
| Retained earnings to average equity (ytd only) | 5.9455% | 2,731 |
| Net charge-offs to loans | 0.0038% | 2,606 |
| Credit loss provision to net charge-offs | 2,760.0000% | 141 |
| Earnings coverage of net charge-offs (x) | 332.6000% | 202 |
| Efficiency ratio | 77.3467% | 1,416 |
| Assets per employee ($millions) | 5.9298% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5056% | 5,326 |
| Loan loss allowance to noncurrent loans | 111.8007% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.4661% | 2,983 |
| Noncurrent loans to loans | 0.4522% | 3,181 |
| Net loans and leases to total assets | 63.9901% | 3,307 |
| Net loans and leases to deposits | 75.8368% | 3,230 |
| Net loans and leases to core deposits | 77.8775% | 3,499 |
| Total domestic deposits to total assets | 84.3787% | 3,158 |
| Equity capital to assets | 9.1788% | 4,384 |
| Core capital (leverage) ratio | 8.9429% | 4,744 |
| Tier 1 risk-based capital ratio | 13.2501% | 3,813 |
| Total risk-based capital ratio | 13.7395% | 4,152 |
| Memoranda: | ||
| Average total assets | $836,344,000 | 915 |
| Average earning assets | $757,684,500 | 933 |
| Average equity | $77,638,000 | 1,057 |
| Average total loans | $532,338,500 | 988 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6469% | 4,457 |
| Cost of funding earning assets | 0.2057% | 4,898 |
| Net interest margin | 3.4412% | 3,719 |
| Noninterest income to average assets | 0.3748% | 3,791 |
| Noninterest expense to average assets | 2.6074% | 3,421 |
| Loan and lease loss provision to assets | 0.0521% | 3,186 |
| Net operating income to assets | 0.2642% | 4,997 |
| Return on assets (ROA) | 0.2679% | 5,006 |
| Pretax return on assets | 0.8327% | 4,149 |
| Return on Equity (ROE) | 2.8947% | 4,860 |
| Retained earnings to average equity (ytd only) | 2.8947% | 3,580 |
| Net charge-offs to loans | 0.0068% | 3,832 |
| Credit loss provision to net charge-offs | 1,251.4286% | 305 |
| Earnings coverage of net charge-offs (x) | 211.0286% | 382 |
| Efficiency ratio | 74.1176% | 1,877 |
| Assets per employee ($millions) | 5.9333% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4978% | 5,388 |
| Loan loss allowance to noncurrent loans | 76.9504% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 2,738 |
| Noncurrent loans to loans | 0.6469% | 2,603 |
| Net loans and leases to total assets | 62.6635% | 3,535 |
| Net loans and leases to deposits | 74.3727% | 3,493 |
| Net loans and leases to core deposits | 75.2093% | 3,801 |
| Total domestic deposits to total assets | 84.2560% | 3,108 |
| Equity capital to assets | 9.3887% | 4,342 |
| Core capital (leverage) ratio | 8.7688% | 4,884 |
| Tier 1 risk-based capital ratio | 13.2822% | 3,748 |
| Total risk-based capital ratio | 13.7566% | 4,104 |
| Memoranda: | ||
| Average total assets | $840,236,800 | 887 |
| Average earning assets | $759,765,000 | 904 |
| Average equity | $77,763,800 | 1,035 |
| Average total loans | $511,713,400 | 1,004 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6234% | 4,507 |
| Cost of funding earning assets | 0.1919% | 5,040 |
| Net interest margin | 3.4315% | 3,732 |
| Noninterest income to average assets | 0.3972% | 3,704 |
| Noninterest expense to average assets | 2.6118% | 3,378 |
| Loan and lease loss provision to assets | 0.0614% | 2,845 |
| Net operating income to assets | 0.5409% | 4,610 |
| Return on assets (ROA) | 0.5461% | 4,622 |
| Pretax return on assets | 0.8326% | 4,262 |
| Return on Equity (ROE) | 5.9212% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.9212% | 2,297 |
| Net charge-offs to loans | 0.0073% | 3,473 |
| Credit loss provision to net charge-offs | 1,385.7143% | 268 |
| Earnings coverage of net charge-offs (x) | 200.0485% | 434 |
| Efficiency ratio | 73.9992% | 1,890 |
| Assets per employee ($millions) | 5.9357% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4897% | 5,482 |
| Loan loss allowance to noncurrent loans | 80.1376% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 2,967 |
| Noncurrent loans to loans | 0.6110% | 2,883 |
| Net loans and leases to total assets | 61.7707% | 3,675 |
| Net loans and leases to deposits | 70.7941% | 3,893 |
| Net loans and leases to core deposits | 71.1376% | 4,178 |
| Total domestic deposits to total assets | 87.2539% | 1,750 |
| Equity capital to assets | 9.4927% | 4,456 |
| Core capital (leverage) ratio | 8.7744% | 4,999 |
| Tier 1 risk-based capital ratio | 13.1427% | 3,912 |
| Total risk-based capital ratio | 13.5972% | 4,321 |
| Memoranda: | ||
| Average total assets | $842,631,500 | 890 |
| Average earning assets | $761,431,000 | 910 |
| Average equity | $77,707,750 | 1,043 |
| Average total loans | $508,861,000 | 1,006 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5742% | 4,577 |
| Cost of funding earning assets | 0.1998% | 4,987 |
| Net interest margin | 3.3744% | 3,861 |
| Noninterest income to average assets | 0.3891% | 3,755 |
| Noninterest expense to average assets | 2.5921% | 3,455 |
| Loan and lease loss provision to assets | 0.0843% | 2,301 |
| Net operating income to assets | 0.5022% | 4,701 |
| Return on assets (ROA) | 0.5099% | 4,714 |
| Pretax return on assets | 0.7715% | 4,369 |
| Return on Equity (ROE) | 5.5836% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.5836% | 2,362 |
| Net charge-offs to loans | 0.0099% | 3,112 |
| Credit loss provision to net charge-offs | 1,420.0000% | 306 |
| Earnings coverage of net charge-offs (x) | 142.2400% | 522 |
| Efficiency ratio | 74.7651% | 1,888 |
| Assets per employee ($millions) | 5.9165% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4823% | 5,535 |
| Loan loss allowance to noncurrent loans | 37.7403% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 0.9013% | 1,968 |
| Noncurrent loans to loans | 1.2778% | 1,510 |
| Net loans and leases to total assets | 60.9040% | 3,752 |
| Net loans and leases to deposits | 75.7020% | 3,375 |
| Net loans and leases to core deposits | 76.1231% | 3,762 |
| Total domestic deposits to total assets | 80.4522% | 4,310 |
| Equity capital to assets | 9.1894% | 4,728 |
| Core capital (leverage) ratio | 8.6337% | 5,106 |
| Tier 1 risk-based capital ratio | 12.7556% | 4,150 |
| Total risk-based capital ratio | 13.1993% | 4,556 |
| Memoranda: | ||
| Average total assets | $842,551,670 | 897 |
| Average earning assets | $760,836,000 | 914 |
| Average equity | $76,940,000 | 1,058 |
| Average total loans | $504,078,330 | 1,016 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5207% | 4,634 |
| Cost of funding earning assets | 0.1796% | 5,154 |
| Net interest margin | 3.3410% | 3,876 |
| Noninterest income to average assets | 0.4020% | 3,648 |
| Noninterest expense to average assets | 2.5666% | 3,599 |
| Loan and lease loss provision to assets | 0.1423% | 1,321 |
| Net operating income to assets | 0.4770% | 4,682 |
| Return on assets (ROA) | 0.4834% | 4,683 |
| Pretax return on assets | 0.7235% | 4,373 |
| Return on Equity (ROE) | 5.3111% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.3111% | 2,732 |
| Net charge-offs to loans | 0.0551% | 1,784 |
| Credit loss provision to net charge-offs | 436.7647% | 617 |
| Earnings coverage of net charge-offs (x) | 26.2794% | 1,313 |
| Efficiency ratio | 74.3141% | 2,181 |
| Assets per employee ($millions) | 6.3056% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4770% | 5,613 |
| Loan loss allowance to noncurrent loans | 51.3845% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 2,589 |
| Noncurrent loans to loans | 0.9284% | 2,179 |
| Net loans and leases to total assets | 60.0245% | 3,784 |
| Net loans and leases to deposits | 72.6203% | 3,553 |
| Net loans and leases to core deposits | 73.0188% | 3,913 |
| Total domestic deposits to total assets | 82.6552% | 3,959 |
| Equity capital to assets | 9.0656% | 4,744 |
| Core capital (leverage) ratio | 8.6839% | 5,068 |
| Tier 1 risk-based capital ratio | 12.7744% | 4,213 |
| Total risk-based capital ratio | 13.2085% | 4,648 |
| Memoranda: | ||
| Average total assets | $834,881,000 | 906 |
| Average earning assets | $754,853,500 | 923 |
| Average equity | $75,992,500 | 1,065 |
| Average total loans | $493,606,000 | 1,031 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5306% | 4,699 |
| Cost of funding earning assets | 0.1820% | 5,191 |
| Net interest margin | 3.3486% | 3,999 |
| Noninterest income to average assets | 0.5247% | 3,062 |
| Noninterest expense to average assets | 2.7173% | 3,289 |
| Loan and lease loss provision to assets | 0.0148% | 4,077 |
| Net operating income to assets | 0.5428% | 4,465 |
| Return on assets (ROA) | 0.5526% | 4,526 |
| Pretax return on assets | 0.8372% | 4,057 |
| Return on Equity (ROE) | 5.9259% | 4,014 |
| Retained earnings to average equity (ytd only) | 5.9259% | 1,750 |
| Net charge-offs to loans | 0.0041% | 4,103 |
| Credit loss provision to net charge-offs | 626.3158% | 549 |
| Earnings coverage of net charge-offs (x) | 353.9474% | 229 |
| Efficiency ratio | 75.7608% | 2,018 |
| Assets per employee ($millions) | 6.0205% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4611% | 5,691 |
| Loan loss allowance to noncurrent loans | 57.9017% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 2,976 |
| Noncurrent loans to loans | 0.7963% | 2,523 |
| Net loans and leases to total assets | 57.6376% | 4,104 |
| Net loans and leases to deposits | 67.1671% | 4,157 |
| Net loans and leases to core deposits | 67.5303% | 4,429 |
| Total domestic deposits to total assets | 85.8122% | 2,675 |
| Equity capital to assets | 9.1397% | 4,659 |
| Core capital (leverage) ratio | 8.6063% | 5,167 |
| Tier 1 risk-based capital ratio | 13.0782% | 4,016 |
| Total risk-based capital ratio | 13.4847% | 4,427 |
| Memoranda: | ||
| Average total assets | $803,439,000 | 902 |
| Average earning assets | $726,901,400 | 911 |
| Average equity | $74,925,600 | 1,060 |
| Average total loans | $462,780,600 | 1,050 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5422% | 4,701 |
| Cost of funding earning assets | 0.1878% | 5,199 |
| Net interest margin | 3.3544% | 4,018 |
| Noninterest income to average assets | 0.5212% | 3,105 |
| Noninterest expense to average assets | 2.7705% | 3,114 |
| Loan and lease loss provision to assets | 0.0209% | 3,818 |
| Net operating income to assets | 0.5074% | 4,670 |
| Return on assets (ROA) | 0.5206% | 4,719 |
| Pretax return on assets | 0.7842% | 4,352 |
| Return on Equity (ROE) | 5.5534% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.5534% | 2,456 |
| Net charge-offs to loans | 0.0015% | 3,892 |
| Credit loss provision to net charge-offs | 2,500.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 939.5067% | 86 |
| Efficiency ratio | 77.2270% | 1,805 |
| Assets per employee ($millions) | 5.7383% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4749% | 5,747 |
| Loan loss allowance to noncurrent loans | 60.0865% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 3,192 |
| Noncurrent loans to loans | 0.7904% | 2,700 |
| Net loans and leases to total assets | 55.9604% | 4,311 |
| Net loans and leases to deposits | 63.8470% | 4,500 |
| Net loans and leases to core deposits | 64.2701% | 4,715 |
| Total domestic deposits to total assets | 87.6478% | 1,591 |
| Equity capital to assets | 9.2730% | 4,894 |
| Core capital (leverage) ratio | 8.5709% | 5,291 |
| Tier 1 risk-based capital ratio | 13.1872% | 4,042 |
| Total risk-based capital ratio | 13.6131% | 4,466 |
| Memoranda: | ||
| Average total assets | $798,096,500 | 907 |
| Average earning assets | $721,979,750 | 922 |
| Average equity | $74,810,750 | 1,067 |
| Average total loans | $459,075,250 | 1,059 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5953% | 4,604 |
| Cost of funding earning assets | 0.2034% | 5,110 |
| Net interest margin | 3.3920% | 3,924 |
| Noninterest income to average assets | 0.4957% | 3,226 |
| Noninterest expense to average assets | 2.8056% | 3,007 |
| Loan and lease loss provision to assets | 0.0320% | 3,495 |
| Net operating income to assets | 0.4831% | 4,750 |
| Return on assets (ROA) | 0.5033% | 4,774 |
| Pretax return on assets | 0.7535% | 4,443 |
| Return on Equity (ROE) | 5.3493% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.3493% | 2,517 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0911% | 1,775 |
| Assets per employee ($millions) | 5.6300% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4761% | 5,823 |
| Loan loss allowance to noncurrent loans | 58.6007% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 3,178 |
| Noncurrent loans to loans | 0.8124% | 2,716 |
| Net loans and leases to total assets | 58.2624% | 4,090 |
| Net loans and leases to deposits | 69.6475% | 4,015 |
| Net loans and leases to core deposits | 70.2383% | 4,307 |
| Total domestic deposits to total assets | 83.6532% | 3,398 |
| Equity capital to assets | 9.5092% | 4,762 |
| Core capital (leverage) ratio | 8.5874% | 5,277 |
| Tier 1 risk-based capital ratio | 13.0684% | 4,165 |
| Total risk-based capital ratio | 13.5004% | 4,591 |
| Memoranda: | ||
| Average total assets | $786,778,000 | 917 |
| Average earning assets | $710,975,670 | 938 |
| Average equity | $74,029,000 | 1,080 |
| Average total loans | $456,153,000 | 1,065 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5994% | 4,611 |
| Cost of funding earning assets | 0.2039% | 5,166 |
| Net interest margin | 3.3955% | 3,886 |
| Noninterest income to average assets | 0.5187% | 2,997 |
| Noninterest expense to average assets | 2.7928% | 3,094 |
| Loan and lease loss provision to assets | 0.0159% | 3,482 |
| Net operating income to assets | 0.5228% | 4,536 |
| Return on assets (ROA) | 0.5228% | 4,642 |
| Pretax return on assets | 0.7831% | 4,262 |
| Return on Equity (ROE) | 5.5866% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.5866% | 2,592 |
| Net charge-offs to loans | 0.0009% | 3,081 |
| Credit loss provision to net charge-offs | 3,100.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 1,559.0000% | 21 |
| Efficiency ratio | 77.0548% | 2,037 |
| Assets per employee ($millions) | 5.8248% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4669% | 5,896 |
| Loan loss allowance to noncurrent loans | 55.4631% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 3,171 |
| Noncurrent loans to loans | 0.8418% | 2,742 |
| Net loans and leases to total assets | 56.9574% | 4,150 |
| Net loans and leases to deposits | 70.9213% | 3,766 |
| Net loans and leases to core deposits | 71.8031% | 4,079 |
| Total domestic deposits to total assets | 80.3108% | 4,680 |
| Equity capital to assets | 9.2651% | 4,928 |
| Core capital (leverage) ratio | 8.6651% | 5,215 |
| Tier 1 risk-based capital ratio | 12.9262% | 4,310 |
| Total risk-based capital ratio | 13.3392% | 4,766 |
| Memoranda: | ||
| Average total assets | $780,440,000 | 925 |
| Average earning assets | $706,345,500 | 943 |
| Average equity | $73,032,500 | 1,087 |
| Average total loans | $450,225,000 | 1,076 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 4,589 |
| Cost of funding earning assets | 0.2003% | 5,286 |
| Net interest margin | 3.4310% | 3,790 |
| Noninterest income to average assets | 0.5144% | 3,233 |
| Noninterest expense to average assets | 2.9479% | 2,710 |
| Loan and lease loss provision to assets | 0.0022% | 4,342 |
| Net operating income to assets | 0.4311% | 4,946 |
| Return on assets (ROA) | 0.4518% | 4,964 |
| Pretax return on assets | 0.6690% | 4,620 |
| Return on Equity (ROE) | 4.5335% | 4,726 |
| Retained earnings to average equity (ytd only) | 4.5335% | 2,760 |
| Net charge-offs to loans | 0.0437% | 3,340 |
| Credit loss provision to net charge-offs | 8.7432% | 3,831 |
| Earnings coverage of net charge-offs (x) | 24.9399% | 1,647 |
| Efficiency ratio | 81.5621% | 1,467 |
| Assets per employee ($millions) | 5.6094% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4736% | 5,939 |
| Loan loss allowance to noncurrent loans | 52.7081% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 0.6639% | 3,048 |
| Noncurrent loans to loans | 0.8986% | 2,541 |
| Net loans and leases to total assets | 57.8984% | 4,104 |
| Net loans and leases to deposits | 67.6549% | 4,157 |
| Net loans and leases to core deposits | 68.5099% | 4,409 |
| Total domestic deposits to total assets | 85.5791% | 2,830 |
| Equity capital to assets | 9.4549% | 4,603 |
| Core capital (leverage) ratio | 8.7767% | 5,132 |
| Tier 1 risk-based capital ratio | 13.0876% | 4,254 |
| Total risk-based capital ratio | 13.5020% | 4,692 |
| Memoranda: | ||
| Average total assets | $712,094,000 | 975 |
| Average earning assets | $638,091,400 | 994 |
| Average equity | $70,960,400 | 1,077 |
| Average total loans | $418,295,600 | 1,092 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6447% | 4,588 |
| Cost of funding earning assets | 0.2062% | 5,324 |
| Net interest margin | 3.4385% | 3,804 |
| Noninterest income to average assets | 0.5366% | 3,127 |
| Noninterest expense to average assets | 2.9998% | 2,527 |
| Loan and lease loss provision to assets | 0.0341% | 3,540 |
| Net operating income to assets | 0.3945% | 5,180 |
| Return on assets (ROA) | 0.4181% | 5,181 |
| Pretax return on assets | 0.6102% | 4,951 |
| Return on Equity (ROE) | 4.1376% | 4,981 |
| Retained earnings to average equity (ytd only) | 4.1376% | 3,523 |
| Net charge-offs to loans | 0.0638% | 2,678 |
| Credit loss provision to net charge-offs | 90.8629% | 2,463 |
| Earnings coverage of net charge-offs (x) | 16.2487% | 2,130 |
| Efficiency ratio | 82.5791% | 1,317 |
| Assets per employee ($millions) | 3.9757% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5235% | 5,996 |
| Loan loss allowance to noncurrent loans | 62.6845% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 0.5906% | 3,512 |
| Noncurrent loans to loans | 0.8352% | 2,883 |
| Net loans and leases to total assets | 56.3246% | 4,316 |
| Net loans and leases to deposits | 64.4861% | 4,517 |
| Net loans and leases to core deposits | 65.3969% | 4,735 |
| Total domestic deposits to total assets | 87.3439% | 1,872 |
| Equity capital to assets | 9.4771% | 4,780 |
| Core capital (leverage) ratio | 8.6557% | 5,402 |
| Tier 1 risk-based capital ratio | 13.5780% | 4,098 |
| Total risk-based capital ratio | 14.0480% | 4,460 |
| Memoranda: | ||
| Average total assets | $699,396,500 | 997 |
| Average earning assets | $625,139,500 | 1,018 |
| Average equity | $70,668,000 | 1,087 |
| Average total loans | $411,919,500 | 1,110 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6281% | 4,646 |
| Cost of funding earning assets | 0.2109% | 5,342 |
| Net interest margin | 3.4172% | 3,843 |
| Noninterest income to average assets | 0.4551% | 3,662 |
| Noninterest expense to average assets | 2.9944% | 2,565 |
| Loan and lease loss provision to assets | 0.0509% | 3,102 |
| Net operating income to assets | 0.3273% | 5,363 |
| Return on assets (ROA) | 0.3641% | 5,360 |
| Pretax return on assets | 0.5205% | 5,175 |
| Return on Equity (ROE) | 3.5224% | 5,215 |
| Retained earnings to average equity (ytd only) | 3.5224% | 3,786 |
| Net charge-offs to loans | 0.0946% | 2,074 |
| Credit loss provision to net charge-offs | 90.1042% | 2,201 |
| Earnings coverage of net charge-offs (x) | 9.1771% | 2,482 |
| Efficiency ratio | 84.8249% | 1,172 |
| Assets per employee ($millions) | 3.9047% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5196% | 6,070 |
| Loan loss allowance to noncurrent loans | 62.5869% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6065% | 3,600 |
| Noncurrent loans to loans | 0.8303% | 3,048 |
| Net loans and leases to total assets | 58.3654% | 4,061 |
| Net loans and leases to deposits | 68.2068% | 4,118 |
| Net loans and leases to core deposits | 69.2799% | 4,386 |
| Total domestic deposits to total assets | 85.5712% | 2,889 |
| Equity capital to assets | 9.5323% | 4,610 |
| Core capital (leverage) ratio | 8.8629% | 5,143 |
| Tier 1 risk-based capital ratio | 13.1920% | 4,398 |
| Total risk-based capital ratio | 13.6535% | 4,785 |
| Memoranda: | ||
| Average total assets | $679,410,330 | 1,025 |
| Average earning assets | $607,982,330 | 1,046 |
| Average equity | $70,235,670 | 1,098 |
| Average total loans | $405,907,670 | 1,130 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5132% | 4,921 |
| Cost of funding earning assets | 0.2047% | 5,468 |
| Net interest margin | 3.3085% | 4,180 |
| Noninterest income to average assets | 0.4092% | 3,927 |
| Noninterest expense to average assets | 2.9779% | 2,648 |
| Loan and lease loss provision to assets | 0.0148% | 3,533 |
| Net operating income to assets | 0.2719% | 5,501 |
| Return on assets (ROA) | 0.3501% | 5,365 |
| Pretax return on assets | 0.4904% | 5,205 |
| Return on Equity (ROE) | 3.2431% | 5,285 |
| Retained earnings to average equity (ytd only) | 3.2431% | 4,041 |
| Net charge-offs to loans | 0.0112% | 2,966 |
| Credit loss provision to net charge-offs | 218.1818% | 998 |
| Earnings coverage of net charge-offs (x) | 58.3636% | 756 |
| Efficiency ratio | 88.2889% | 998 |
| Assets per employee ($millions) | 4.4302% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5398% | 6,130 |
| Loan loss allowance to noncurrent loans | 74.8688% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5522% | 3,831 |
| Noncurrent loans to loans | 0.7210% | 3,457 |
| Net loans and leases to total assets | 57.8725% | 3,959 |
| Net loans and leases to deposits | 67.7568% | 3,982 |
| Net loans and leases to core deposits | 68.8402% | 4,252 |
| Total domestic deposits to total assets | 85.4121% | 3,215 |
| Equity capital to assets | 9.7236% | 4,476 |
| Core capital (leverage) ratio | 10.3787% | 3,120 |
| Tier 1 risk-based capital ratio | 13.4008% | 4,373 |
| Total risk-based capital ratio | 13.8839% | 4,739 |
| Memoranda: | ||
| Average total assets | $650,117,500 | 1,070 |
| Average earning assets | $582,381,000 | 1,089 |
| Average equity | $70,179,500 | 1,101 |
| Average total loans | $392,369,500 | 1,167 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7185% | 4,726 |
| Cost of funding earning assets | 0.2453% | 5,374 |
| Net interest margin | 3.4733% | 3,885 |
| Noninterest income to average assets | 0.3743% | 4,392 |
| Noninterest expense to average assets | 3.2715% | 2,005 |
| Loan and lease loss provision to assets | 0.0841% | 2,798 |
| Net operating income to assets | 0.1221% | 5,920 |
| Return on assets (ROA) | 0.1228% | 5,961 |
| Pretax return on assets | 0.1044% | 5,985 |
| Return on Equity (ROE) | 1.0179% | 5,967 |
| Retained earnings to average equity (ytd only) | 1.0179% | 5,313 |
| Net charge-offs to loans | 0.1860% | 2,185 |
| Credit loss provision to net charge-offs | 71.0253% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.5854% | 4,388 |
| Efficiency ratio | 94.5722% | 568 |
| Assets per employee ($millions) | 4.8617% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6268% | 6,105 |
| Loan loss allowance to noncurrent loans | 32.8650% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 1.4630% | 1,879 |
| Noncurrent loans to loans | 1.9073% | 1,483 |
| Net loans and leases to total assets | 62.7026% | 3,406 |
| Net loans and leases to deposits | 77.2125% | 3,057 |
| Net loans and leases to core deposits | 78.6540% | 3,447 |
| Total domestic deposits to total assets | 81.2079% | 4,676 |
| Equity capital to assets | 12.1516% | 1,904 |
| Core capital (leverage) ratio | 11.1397% | 2,271 |
| Tier 1 risk-based capital ratio | 17.4376% | 2,338 |
| Total risk-based capital ratio | 18.0657% | 2,540 |
| Memoranda: | ||
| Average total assets | $568,277,800 | 1,163 |
| Average earning assets | $504,743,200 | 1,216 |
| Average equity | $68,575,200 | 1,075 |
| Average total loans | $361,893,400 | 1,226 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7273% | 4,782 |
| Cost of funding earning assets | 0.2534% | 5,374 |
| Net interest margin | 3.4740% | 3,929 |
| Noninterest income to average assets | 0.4179% | 4,116 |
| Noninterest expense to average assets | 3.2826% | 1,944 |
| Loan and lease loss provision to assets | -0.0155% | 6,102 |
| Net operating income to assets | 0.2131% | 5,829 |
| Return on assets (ROA) | 0.2140% | 5,870 |
| Pretax return on assets | 0.2281% | 5,908 |
| Return on Equity (ROE) | 1.7767% | 5,888 |
| Retained earnings to average equity (ytd only) | 1.7767% | 5,165 |
| Net charge-offs to loans | 0.0998% | 2,802 |
| Credit loss provision to net charge-offs | -24.3542% | 5,290 |
| Earnings coverage of net charge-offs (x) | 3.3211% | 3,687 |
| Efficiency ratio | 93.9427% | 601 |
| Assets per employee ($millions) | 4.6997% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5897% | 6,240 |
| Loan loss allowance to noncurrent loans | 29.7150% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 1.5615% | 1,960 |
| Noncurrent loans to loans | 1.9845% | 1,605 |
| Net loans and leases to total assets | 62.5365% | 3,401 |
| Net loans and leases to deposits | 74.5582% | 3,364 |
| Net loans and leases to core deposits | 75.8936% | 3,756 |
| Total domestic deposits to total assets | 83.8761% | 3,807 |
| Equity capital to assets | 12.1406% | 1,955 |
| Core capital (leverage) ratio | 11.2633% | 2,248 |
| Tier 1 risk-based capital ratio | 17.6796% | 2,325 |
| Total risk-based capital ratio | 18.2688% | 2,565 |
| Memoranda: | ||
| Average total assets | $566,928,250 | 1,178 |
| Average earning assets | $502,046,500 | 1,235 |
| Average equity | $68,291,250 | 1,079 |
| Average total loans | $361,872,000 | 1,224 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7185% | 4,803 |
| Cost of funding earning assets | 0.2611% | 5,374 |
| Net interest margin | 3.4575% | 3,952 |
| Noninterest income to average assets | 0.4306% | 4,022 |
| Noninterest expense to average assets | 3.2076% | 2,172 |
| Loan and lease loss provision to assets | 0.1289% | 1,914 |
| Net operating income to assets | 0.1696% | 5,909 |
| Return on assets (ROA) | 0.1696% | 5,953 |
| Pretax return on assets | 0.1707% | 5,986 |
| Return on Equity (ROE) | 1.4119% | 5,967 |
| Retained earnings to average equity (ytd only) | 1.4119% | 5,179 |
| Net charge-offs to loans | 0.1557% | 2,148 |
| Credit loss provision to net charge-offs | 129.0780% | 1,615 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,417 |
| Efficiency ratio | 91.4580% | 800 |
| Assets per employee ($millions) | 4.6846% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6999% | 6,175 |
| Loan loss allowance to noncurrent loans | 35.1852% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 1.6631% | 1,955 |
| Noncurrent loans to loans | 1.9893% | 1,692 |
| Net loans and leases to total assets | 63.7222% | 3,117 |
| Net loans and leases to deposits | 79.7121% | 2,555 |
| Net loans and leases to core deposits | 81.6790% | 3,007 |
| Total domestic deposits to total assets | 79.9404% | 5,252 |
| Equity capital to assets | 12.1575% | 1,879 |
| Core capital (leverage) ratio | 11.3451% | 2,122 |
| Tier 1 risk-based capital ratio | 17.2316% | 2,523 |
| Total risk-based capital ratio | 17.9248% | 2,716 |
| Memoranda: | ||
| Average total assets | $564,782,330 | 1,177 |
| Average earning assets | $502,563,670 | 1,226 |
| Average equity | $67,851,670 | 1,081 |
| Average total loans | $362,266,000 | 1,219 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6850% | 4,899 |
| Cost of funding earning assets | 0.2646% | 5,443 |
| Net interest margin | 3.4204% | 4,023 |
| Noninterest income to average assets | 0.4151% | 4,067 |
| Noninterest expense to average assets | 3.1837% | 2,282 |
| Loan and lease loss provision to assets | 0.2256% | 989 |
| Net operating income to assets | 0.0830% | 6,066 |
| Return on assets (ROA) | 0.0830% | 6,091 |
| Pretax return on assets | 0.0596% | 6,142 |
| Return on Equity (ROE) | 0.6952% | 6,103 |
| Retained earnings to average equity (ytd only) | 0.6952% | 5,315 |
| Net charge-offs to loans | 0.2855% | 1,208 |
| Credit loss provision to net charge-offs | 123.2558% | 1,430 |
| Earnings coverage of net charge-offs (x) | 1.5581% | 3,070 |
| Efficiency ratio | 91.7775% | 893 |
| Assets per employee ($millions) | 4.8652% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6985% | 6,283 |
| Loan loss allowance to noncurrent loans | 32.6647% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 1.7189% | 2,050 |
| Noncurrent loans to loans | 2.1384% | 1,712 |
| Net loans and leases to total assets | 63.5804% | 2,969 |
| Net loans and leases to deposits | 78.6422% | 2,467 |
| Net loans and leases to core deposits | 80.2725% | 2,937 |
| Total domestic deposits to total assets | 80.8477% | 5,274 |
| Equity capital to assets | 12.0191% | 1,860 |
| Core capital (leverage) ratio | 11.3567% | 2,088 |
| Tier 1 risk-based capital ratio | 17.1827% | 2,608 |
| Total risk-based capital ratio | 17.8694% | 2,815 |
| Memoranda: | ||
| Average total assets | $563,752,500 | 1,179 |
| Average earning assets | $503,335,500 | 1,230 |
| Average equity | $67,320,500 | 1,087 |
| Average total loans | $361,524,000 | 1,227 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7235% | 5,057 |
| Cost of funding earning assets | 0.3091% | 5,527 |
| Net interest margin | 3.4144% | 4,222 |
| Noninterest income to average assets | 0.4420% | 4,142 |
| Noninterest expense to average assets | 3.1271% | 2,649 |
| Loan and lease loss provision to assets | 0.0677% | 3,777 |
| Net operating income to assets | 0.2511% | 5,688 |
| Return on assets (ROA) | 0.2756% | 5,689 |
| Pretax return on assets | 0.3179% | 5,681 |
| Return on Equity (ROE) | 2.2779% | 5,744 |
| Retained earnings to average equity (ytd only) | 2.2779% | 4,626 |
| Net charge-offs to loans | 0.1214% | 3,599 |
| Credit loss provision to net charge-offs | 90.2148% | 2,749 |
| Earnings coverage of net charge-offs (x) | 4.7637% | 3,468 |
| Efficiency ratio | 89.7420% | 1,047 |
| Assets per employee ($millions) | 4.8969% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6812% | 6,369 |
| Loan loss allowance to noncurrent loans | 29.6939% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 1.8947% | 1,916 |
| Noncurrent loans to loans | 2.2942% | 1,685 |
| Net loans and leases to total assets | 63.7913% | 3,071 |
| Net loans and leases to deposits | 78.7163% | 2,630 |
| Net loans and leases to core deposits | 81.1375% | 2,992 |
| Total domestic deposits to total assets | 81.0395% | 5,164 |
| Equity capital to assets | 11.8638% | 1,898 |
| Core capital (leverage) ratio | 11.2155% | 2,182 |
| Tier 1 risk-based capital ratio | 17.0574% | 2,583 |
| Total risk-based capital ratio | 17.7242% | 2,828 |
| Memoranda: | ||
| Average total assets | $558,407,400 | 1,183 |
| Average earning assets | $497,601,000 | 1,223 |
| Average equity | $67,561,800 | 1,058 |
| Average total loans | $345,062,400 | 1,240 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7048% | 5,156 |
| Cost of funding earning assets | 0.3167% | 5,584 |
| Net interest margin | 3.3881% | 4,325 |
| Noninterest income to average assets | 0.4537% | 4,129 |
| Noninterest expense to average assets | 3.1005% | 2,647 |
| Loan and lease loss provision to assets | -0.0077% | 6,462 |
| Net operating income to assets | 0.3221% | 5,532 |
| Return on assets (ROA) | 0.3221% | 5,652 |
| Pretax return on assets | 0.3788% | 5,684 |
| Return on Equity (ROE) | 2.6489% | 5,735 |
| Retained earnings to average equity (ytd only) | 2.6489% | 4,738 |
| Net charge-offs to loans | 0.0481% | 4,219 |
| Credit loss provision to net charge-offs | -26.0163% | 5,656 |
| Earnings coverage of net charge-offs (x) | 12.6095% | 2,119 |
| Efficiency ratio | 89.3101% | 1,051 |
| Assets per employee ($millions) | 4.8501% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6574% | 6,490 |
| Loan loss allowance to noncurrent loans | 27.1896% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 1.8777% | 2,163 |
| Noncurrent loans to loans | 2.4179% | 1,813 |
| Net loans and leases to total assets | 62.0481% | 3,351 |
| Net loans and leases to deposits | 73.4313% | 3,329 |
| Net loans and leases to core deposits | 75.5612% | 3,663 |
| Total domestic deposits to total assets | 84.4982% | 3,979 |
| Equity capital to assets | 11.7250% | 2,113 |
| Core capital (leverage) ratio | 11.1261% | 2,362 |
| Tier 1 risk-based capital ratio | 17.1447% | 2,648 |
| Total risk-based capital ratio | 17.7850% | 2,886 |
| Memoranda: | ||
| Average total assets | $557,223,250 | 1,201 |
| Average earning assets | $496,351,500 | 1,237 |
| Average equity | $67,749,750 | 1,062 |
| Average total loans | $340,902,750 | 1,256 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7380% | 5,027 |
| Cost of funding earning assets | 0.3265% | 5,598 |
| Net interest margin | 3.4115% | 4,154 |
| Noninterest income to average assets | 0.4451% | 4,200 |
| Noninterest expense to average assets | 3.0884% | 2,698 |
| Loan and lease loss provision to assets | -0.0652% | 6,665 |
| Net operating income to assets | 0.3749% | 5,309 |
| Return on assets (ROA) | 0.3749% | 5,477 |
| Pretax return on assets | 0.4651% | 5,479 |
| Return on Equity (ROE) | 3.0457% | 5,604 |
| Retained earnings to average equity (ytd only) | 3.0457% | 4,381 |
| Net charge-offs to loans | 0.0358% | 4,183 |
| Credit loss provision to net charge-offs | -300.0000% | 5,811 |
| Earnings coverage of net charge-offs (x) | 18.4000% | 1,553 |
| Efficiency ratio | 88.5370% | 1,167 |
| Assets per employee ($millions) | 4.7572% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6549% | 6,557 |
| Loan loss allowance to noncurrent loans | 23.6554% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 1.9509% | 2,219 |
| Noncurrent loans to loans | 2.7687% | 1,639 |
| Net loans and leases to total assets | 62.2590% | 3,242 |
| Net loans and leases to deposits | 74.6566% | 3,057 |
| Net loans and leases to core deposits | 77.5634% | 3,349 |
| Total domestic deposits to total assets | 83.3938% | 4,553 |
| Equity capital to assets | 12.2701% | 1,728 |
| Core capital (leverage) ratio | 11.5267% | 1,915 |
| Tier 1 risk-based capital ratio | 17.5362% | 2,498 |
| Total risk-based capital ratio | 18.1698% | 2,715 |
| Memoranda: | ||
| Average total assets | $552,195,670 | 1,214 |
| Average earning assets | $492,567,670 | 1,248 |
| Average equity | $67,965,330 | 1,061 |
| Average total loans | $335,385,330 | 1,271 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7245% | 5,079 |
| Cost of funding earning assets | 0.3316% | 5,704 |
| Net interest margin | 3.3929% | 4,142 |
| Noninterest income to average assets | 0.3476% | 4,901 |
| Noninterest expense to average assets | 3.0450% | 2,851 |
| Loan and lease loss provision to assets | -0.0833% | 6,825 |
| Net operating income to assets | 0.3490% | 5,353 |
| Return on assets (ROA) | 0.3490% | 5,497 |
| Pretax return on assets | 0.4164% | 5,514 |
| Return on Equity (ROE) | 2.8314% | 5,652 |
| Retained earnings to average equity (ytd only) | 2.8314% | 4,583 |
| Net charge-offs to loans | 0.1321% | 2,611 |
| Credit loss provision to net charge-offs | -105.5046% | 5,150 |
| Earnings coverage of net charge-offs (x) | 4.2202% | 2,594 |
| Efficiency ratio | 90.1393% | 1,139 |
| Assets per employee ($millions) | 4.9671% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6880% | 6,619 |
| Loan loss allowance to noncurrent loans | 24.9317% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 1.9991% | 2,346 |
| Noncurrent loans to loans | 2.7595% | 1,841 |
| Net loans and leases to total assets | 59.7200% | 3,480 |
| Net loans and leases to deposits | 73.5495% | 2,983 |
| Net loans and leases to core deposits | 76.5270% | 3,255 |
| Total domestic deposits to total assets | 81.1970% | 5,451 |
| Equity capital to assets | 12.3865% | 1,784 |
| Core capital (leverage) ratio | 11.4458% | 1,911 |
| Tier 1 risk-based capital ratio | 17.6839% | 2,492 |
| Total risk-based capital ratio | 18.3325% | 2,682 |
| Memoranda: | ||
| Average total assets | $552,375,000 | 1,222 |
| Average earning assets | $493,377,000 | 1,255 |
| Average equity | $68,092,500 | 1,072 |
| Average total loans | $330,161,500 | 1,288 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 5,489 |
| Cost of funding earning assets | 0.4570% | 5,525 |
| Net interest margin | 3.4735% | 4,608 |
| Noninterest income to average assets | 0.4188% | 4,463 |
| Noninterest expense to average assets | 3.0613% | 3,042 |
| Loan and lease loss provision to assets | 0.0924% | 4,523 |
| Net operating income to assets | 0.2959% | 5,484 |
| Return on assets (ROA) | 0.3404% | 5,548 |
| Pretax return on assets | 0.4106% | 5,546 |
| Return on Equity (ROE) | 2.8021% | 5,629 |
| Retained earnings to average equity (ytd only) | 2.8021% | 4,271 |
| Net charge-offs to loans | 0.2324% | 3,544 |
| Credit loss provision to net charge-offs | 67.1958% | 4,243 |
| Earnings coverage of net charge-offs (x) | 3.2685% | 3,796 |
| Efficiency ratio | 87.2002% | 1,306 |
| Assets per employee ($millions) | 4.7708% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7619% | 6,550 |
| Loan loss allowance to noncurrent loans | 27.4250% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 1.9468% | 2,516 |
| Noncurrent loans to loans | 2.7781% | 1,900 |
| Net loans and leases to total assets | 58.9575% | 3,805 |
| Net loans and leases to deposits | 71.4696% | 3,499 |
| Net loans and leases to core deposits | 74.3144% | 3,740 |
| Total domestic deposits to total assets | 82.4932% | 4,933 |
| Equity capital to assets | 12.2682% | 1,878 |
| Core capital (leverage) ratio | 11.0880% | 2,175 |
| Tier 1 risk-based capital ratio | 17.7582% | 2,362 |
| Total risk-based capital ratio | 18.4771% | 2,525 |
| Memoranda: | ||
| Average total assets | $549,891,000 | 1,219 |
| Average earning assets | $489,479,600 | 1,243 |
| Average equity | $66,808,200 | 1,055 |
| Average total loans | $325,352,200 | 1,293 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9414% | 5,680 |
| Cost of funding earning assets | 0.4589% | 5,730 |
| Net interest margin | 3.4824% | 4,708 |
| Noninterest income to average assets | 0.4425% | 4,348 |
| Noninterest expense to average assets | 3.0255% | 3,152 |
| Loan and lease loss provision to assets | 0.0862% | 4,527 |
| Net operating income to assets | 0.3478% | 5,442 |
| Return on assets (ROA) | 0.3478% | 5,646 |
| Pretax return on assets | 0.4250% | 5,659 |
| Return on Equity (ROE) | 2.8695% | 5,720 |
| Retained earnings to average equity (ytd only) | 2.8695% | 4,832 |
| Net charge-offs to loans | 0.0259% | 5,307 |
| Credit loss provision to net charge-offs | 563.4921% | 464 |
| Earnings coverage of net charge-offs (x) | 33.4119% | 1,005 |
| Efficiency ratio | 85.5456% | 1,425 |
| Assets per employee ($millions) | 4.7637% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 6,365 |
| Loan loss allowance to noncurrent loans | 34.3912% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 1.9379% | 2,732 |
| Noncurrent loans to loans | 2.6325% | 2,157 |
| Net loans and leases to total assets | 57.8213% | 4,165 |
| Net loans and leases to deposits | 68.9502% | 4,040 |
| Net loans and leases to core deposits | 71.5979% | 4,305 |
| Total domestic deposits to total assets | 83.8595% | 4,293 |
| Equity capital to assets | 11.7085% | 2,526 |
| Core capital (leverage) ratio | 10.9529% | 2,440 |
| Tier 1 risk-based capital ratio | 17.4233% | 2,568 |
| Total risk-based capital ratio | 18.2837% | 2,676 |
| Memoranda: | ||
| Average total assets | $549,012,000 | 1,237 |
| Average earning assets | $487,806,750 | 1,263 |
| Average equity | $66,537,000 | 1,062 |
| Average total loans | $324,495,250 | 1,311 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9926% | 5,660 |
| Cost of funding earning assets | 0.4835% | 5,734 |
| Net interest margin | 3.5091% | 4,629 |
| Noninterest income to average assets | 0.4542% | 4,260 |
| Noninterest expense to average assets | 3.0462% | 3,108 |
| Loan and lease loss provision to assets | 0.1578% | 3,538 |
| Net operating income to assets | 0.3134% | 5,572 |
| Return on assets (ROA) | 0.3134% | 5,778 |
| Pretax return on assets | 0.3664% | 5,789 |
| Return on Equity (ROE) | 2.5551% | 5,858 |
| Retained earnings to average equity (ytd only) | 2.5551% | 4,908 |
| Net charge-offs to loans | 0.0368% | 4,863 |
| Credit loss provision to net charge-offs | 722.0339% | 437 |
| Earnings coverage of net charge-offs (x) | 23.9831% | 1,236 |
| Efficiency ratio | 85.3185% | 1,496 |
| Assets per employee ($millions) | 4.5125% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 6,396 |
| Loan loss allowance to noncurrent loans | 36.8228% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 1.7843% | 3,058 |
| Noncurrent loans to loans | 2.5154% | 2,401 |
| Net loans and leases to total assets | 60.6189% | 3,703 |
| Net loans and leases to deposits | 75.0417% | 3,118 |
| Net loans and leases to core deposits | 78.1786% | 3,488 |
| Total domestic deposits to total assets | 80.7803% | 5,536 |
| Equity capital to assets | 12.1386% | 2,037 |
| Core capital (leverage) ratio | 11.4747% | 1,922 |
| Tier 1 risk-based capital ratio | 17.2695% | 2,559 |
| Total risk-based capital ratio | 18.1491% | 2,679 |
| Memoranda: | ||
| Average total assets | $539,882,000 | 1,254 |
| Average earning assets | $479,438,670 | 1,292 |
| Average equity | $66,220,000 | 1,061 |
| Average total loans | $320,551,000 | 1,322 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0182% | 5,703 |
| Cost of funding earning assets | 0.5238% | 5,652 |
| Net interest margin | 3.4944% | 4,731 |
| Noninterest income to average assets | 0.4505% | 4,288 |
| Noninterest expense to average assets | 3.0440% | 3,100 |
| Loan and lease loss provision to assets | 0.0606% | 4,656 |
| Net operating income to assets | 0.3689% | 5,391 |
| Return on assets (ROA) | 0.3689% | 5,570 |
| Pretax return on assets | 0.4557% | 5,566 |
| Return on Equity (ROE) | 2.9916% | 5,719 |
| Retained earnings to average equity (ytd only) | 2.9916% | 4,757 |
| Net charge-offs to loans | 0.0013% | 4,726 |
| Credit loss provision to net charge-offs | 8,100.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 690.0000% | 32 |
| Efficiency ratio | 85.4981% | 1,527 |
| Assets per employee ($millions) | 4.6237% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 6,531 |
| Loan loss allowance to noncurrent loans | 35.0749% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 1.7319% | 3,259 |
| Noncurrent loans to loans | 2.5650% | 2,540 |
| Net loans and leases to total assets | 59.2042% | 3,823 |
| Net loans and leases to deposits | 71.5281% | 3,501 |
| Net loans and leases to core deposits | 74.6456% | 3,810 |
| Total domestic deposits to total assets | 82.7706% | 5,020 |
| Equity capital to assets | 12.5658% | 1,678 |
| Core capital (leverage) ratio | 11.3580% | 1,996 |
| Tier 1 risk-based capital ratio | 18.4381% | 2,165 |
| Total risk-based capital ratio | 19.2945% | 2,244 |
| Memoranda: | ||
| Average total assets | $534,561,500 | 1,269 |
| Average earning assets | $475,729,500 | 1,306 |
| Average equity | $65,917,000 | 1,064 |
| Average total loans | $312,406,000 | 1,363 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2244% | 5,990 |
| Cost of funding earning assets | 0.6279% | 5,936 |
| Net interest margin | 3.5965% | 4,748 |
| Noninterest income to average assets | 0.3892% | 4,712 |
| Noninterest expense to average assets | 3.0716% | 3,302 |
| Loan and lease loss provision to assets | 0.1816% | 4,376 |
| Net operating income to assets | 0.2891% | 5,294 |
| Return on assets (ROA) | 0.2891% | 5,451 |
| Pretax return on assets | 0.3300% | 5,473 |
| Return on Equity (ROE) | 2.3512% | 5,528 |
| Retained earnings to average equity (ytd only) | 2.3512% | 4,551 |
| Net charge-offs to loans | 0.3938% | 3,444 |
| Credit loss provision to net charge-offs | 78.5246% | 4,522 |
| Earnings coverage of net charge-offs (x) | 2.2123% | 4,125 |
| Efficiency ratio | 85.7218% | 1,596 |
| Assets per employee ($millions) | 4.6726% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 6,558 |
| Loan loss allowance to noncurrent loans | 36.9977% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 1.5669% | 3,597 |
| Noncurrent loans to loans | 2.4010% | 2,723 |
| Net loans and leases to total assets | 56.6693% | 4,596 |
| Net loans and leases to deposits | 67.9265% | 4,458 |
| Net loans and leases to core deposits | 70.9995% | 4,650 |
| Total domestic deposits to total assets | 83.4273% | 4,577 |
| Equity capital to assets | 12.1028% | 2,043 |
| Core capital (leverage) ratio | 11.0497% | 2,232 |
| Tier 1 risk-based capital ratio | 18.4233% | 2,071 |
| Total risk-based capital ratio | 19.2603% | 2,162 |
| Memoranda: | ||
| Average total assets | $527,549,600 | 1,270 |
| Average earning assets | $468,516,600 | 1,310 |
| Average equity | $64,861,000 | 1,040 |
| Average total loans | $309,806,400 | 1,371 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2881% | 5,984 |
| Cost of funding earning assets | 0.6406% | 6,089 |
| Net interest margin | 3.6475% | 4,581 |
| Noninterest income to average assets | 0.4787% | 4,054 |
| Noninterest expense to average assets | 2.9797% | 3,635 |
| Loan and lease loss provision to assets | 0.1585% | 4,482 |
| Net operating income to assets | 0.4362% | 4,833 |
| Return on assets (ROA) | 0.4362% | 5,029 |
| Pretax return on assets | 0.5787% | 4,887 |
| Return on Equity (ROE) | 3.5334% | 5,210 |
| Retained earnings to average equity (ytd only) | 3.5334% | 4,225 |
| Net charge-offs to loans | 0.4928% | 2,776 |
| Credit loss provision to net charge-offs | 54.4105% | 4,941 |
| Earnings coverage of net charge-offs (x) | 2.5301% | 3,865 |
| Efficiency ratio | 80.1657% | 2,236 |
| Assets per employee ($millions) | 4.5557% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8192% | 6,782 |
| Loan loss allowance to noncurrent loans | 34.4147% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 1.6764% | 3,574 |
| Noncurrent loans to loans | 2.3803% | 2,913 |
| Net loans and leases to total assets | 54.7568% | 5,042 |
| Net loans and leases to deposits | 65.4543% | 4,980 |
| Net loans and leases to core deposits | 68.4447% | 5,127 |
| Total domestic deposits to total assets | 83.6565% | 4,399 |
| Equity capital to assets | 11.9881% | 2,258 |
| Core capital (leverage) ratio | 11.5837% | 1,967 |
| Tier 1 risk-based capital ratio | 19.3905% | 1,843 |
| Total risk-based capital ratio | 20.1709% | 1,931 |
| Memoranda: | ||
| Average total assets | $523,931,000 | 1,282 |
| Average earning assets | $465,150,750 | 1,319 |
| Average equity | $64,676,250 | 1,046 |
| Average total loans | $309,779,500 | 1,380 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 5,734 |
| Cost of funding earning assets | 0.6575% | 6,188 |
| Net interest margin | 3.7306% | 4,114 |
| Noninterest income to average assets | 0.4798% | 4,032 |
| Noninterest expense to average assets | 3.0325% | 3,517 |
| Loan and lease loss provision to assets | 0.1092% | 4,932 |
| Net operating income to assets | 0.4755% | 4,616 |
| Return on assets (ROA) | 0.4755% | 4,756 |
| Pretax return on assets | 0.6445% | 4,592 |
| Return on Equity (ROE) | 3.8127% | 5,015 |
| Retained earnings to average equity (ytd only) | 3.8127% | 3,785 |
| Net charge-offs to loans | 0.0051% | 5,805 |
| Credit loss provision to net charge-offs | 3,512.5000% | 93 |
| Earnings coverage of net charge-offs (x) | 242.5000% | 141 |
| Efficiency ratio | 80.0944% | 2,376 |
| Assets per employee ($millions) | 4.3373% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 6,157 |
| Loan loss allowance to noncurrent loans | 39.2269% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 2.0109% | 3,216 |
| Noncurrent loans to loans | 2.6675% | 2,733 |
| Net loans and leases to total assets | 60.2434% | 4,229 |
| Net loans and leases to deposits | 72.8516% | 3,974 |
| Net loans and leases to core deposits | 76.3568% | 4,263 |
| Total domestic deposits to total assets | 82.6933% | 4,908 |
| Equity capital to assets | 12.6763% | 1,694 |
| Core capital (leverage) ratio | 11.8445% | 1,693 |
| Tier 1 risk-based capital ratio | 18.6605% | 1,946 |
| Total risk-based capital ratio | 19.6656% | 1,988 |
| Memoranda: | ||
| Average total assets | $514,826,330 | 1,310 |
| Average earning assets | $456,275,330 | 1,347 |
| Average equity | $64,207,000 | 1,053 |
| Average total loans | $311,593,670 | 1,383 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4118% | 5,650 |
| Cost of funding earning assets | 0.6645% | 6,321 |
| Net interest margin | 3.7473% | 3,852 |
| Noninterest income to average assets | 0.4512% | 4,272 |
| Noninterest expense to average assets | 3.0130% | 3,586 |
| Loan and lease loss provision to assets | 0.0653% | 5,181 |
| Net operating income to assets | 0.5010% | 4,487 |
| Return on assets (ROA) | 0.5010% | 4,568 |
| Pretax return on assets | 0.6939% | 4,327 |
| Return on Equity (ROE) | 4.0505% | 4,874 |
| Retained earnings to average equity (ytd only) | 4.0505% | 3,734 |
| Net charge-offs to loans | 0.0077% | 5,002 |
| Credit loss provision to net charge-offs | 1,400.0000% | 286 |
| Earnings coverage of net charge-offs (x) | 162.6667% | 193 |
| Efficiency ratio | 79.8721% | 2,559 |
| Assets per employee ($millions) | 4.6677% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 6,435 |
| Loan loss allowance to noncurrent loans | 51.7311% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 1.5667% | 3,902 |
| Noncurrent loans to loans | 1.9123% | 3,685 |
| Net loans and leases to total assets | 60.8467% | 4,106 |
| Net loans and leases to deposits | 73.5804% | 3,828 |
| Net loans and leases to core deposits | 76.7470% | 4,201 |
| Total domestic deposits to total assets | 82.6941% | 5,028 |
| Equity capital to assets | 12.5862% | 1,578 |
| Core capital (leverage) ratio | 11.5751% | 1,805 |
| Tier 1 risk-based capital ratio | 18.5343% | 1,951 |
| Total risk-based capital ratio | 19.4906% | 1,999 |
| Memoranda: | ||
| Average total assets | $514,171,500 | 1,314 |
| Average earning assets | $455,692,000 | 1,356 |
| Average equity | $63,597,000 | 1,055 |
| Average total loans | $310,277,500 | 1,406 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7526% | 5,608 |
| Cost of funding earning assets | 0.8331% | 6,429 |
| Net interest margin | 3.9195% | 3,400 |
| Noninterest income to average assets | 0.9111% | 1,814 |
| Noninterest expense to average assets | 3.2068% | 3,065 |
| Loan and lease loss provision to assets | 0.0361% | 6,796 |
| Net operating income to assets | 0.9259% | 2,288 |
| Return on assets (ROA) | 0.9259% | 2,415 |
| Pretax return on assets | 1.1320% | 2,455 |
| Return on Equity (ROE) | 7.7058% | 2,814 |
| Retained earnings to average equity (ytd only) | 7.7058% | 1,075 |
| Net charge-offs to loans | 0.0661% | 6,134 |
| Credit loss provision to net charge-offs | 85.4460% | 5,321 |
| Earnings coverage of net charge-offs (x) | 27.6714% | 789 |
| Efficiency ratio | 73.3001% | 3,530 |
| Assets per employee ($millions) | 4.5979% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 6,463 |
| Loan loss allowance to noncurrent loans | 42.1031% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 1.8627% | 3,535 |
| Noncurrent loans to loans | 2.3259% | 3,194 |
| Net loans and leases to total assets | 58.6784% | 4,924 |
| Net loans and leases to deposits | 70.4097% | 4,764 |
| Net loans and leases to core deposits | 73.3031% | 5,065 |
| Total domestic deposits to total assets | 83.3385% | 4,667 |
| Equity capital to assets | 12.1560% | 1,825 |
| Core capital (leverage) ratio | 11.3406% | 1,928 |
| Tier 1 risk-based capital ratio | 18.1698% | 1,946 |
| Total risk-based capital ratio | 19.0941% | 2,011 |
| Memoranda: | ||
| Average total assets | $504,578,200 | 1,326 |
| Average earning assets | $445,922,600 | 1,368 |
| Average equity | $60,629,400 | 1,098 |
| Average total loans | $322,214,400 | 1,390 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8504% | 5,467 |
| Cost of funding earning assets | 0.8663% | 6,520 |
| Net interest margin | 3.9841% | 3,175 |
| Noninterest income to average assets | 0.4917% | 4,256 |
| Noninterest expense to average assets | 3.1320% | 3,184 |
| Loan and lease loss provision to assets | 0.0455% | 6,637 |
| Net operating income to assets | 0.5854% | 3,937 |
| Return on assets (ROA) | 0.5854% | 4,101 |
| Pretax return on assets | 0.8351% | 3,783 |
| Return on Equity (ROE) | 4.8868% | 4,345 |
| Retained earnings to average equity (ytd only) | 4.8868% | 3,063 |
| Net charge-offs to loans | 0.0864% | 5,671 |
| Credit loss provision to net charge-offs | 81.0427% | 5,101 |
| Earnings coverage of net charge-offs (x) | 15.6775% | 1,426 |
| Efficiency ratio | 78.0535% | 2,616 |
| Assets per employee ($millions) | 4.4366% | 3,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 6,570 |
| Loan loss allowance to noncurrent loans | 47.6462% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 1.5126% | 4,183 |
| Noncurrent loans to loans | 1.9932% | 3,690 |
| Net loans and leases to total assets | 59.3842% | 5,024 |
| Net loans and leases to deposits | 70.7375% | 5,044 |
| Net loans and leases to core deposits | 73.8234% | 5,314 |
| Total domestic deposits to total assets | 83.9501% | 4,158 |
| Equity capital to assets | 11.6461% | 2,413 |
| Core capital (leverage) ratio | 11.0277% | 2,236 |
| Tier 1 risk-based capital ratio | 17.5744% | 2,148 |
| Total risk-based capital ratio | 18.4930% | 2,220 |
| Memoranda: | ||
| Average total assets | $500,831,750 | 1,350 |
| Average earning assets | $442,618,750 | 1,392 |
| Average equity | $59,997,250 | 1,112 |
| Average total loans | $325,796,250 | 1,390 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 4,917 |
| Cost of funding earning assets | 0.8991% | 6,587 |
| Net interest margin | 4.1068% | 2,528 |
| Noninterest income to average assets | 0.4534% | 4,486 |
| Noninterest expense to average assets | 3.1875% | 2,950 |
| Loan and lease loss provision to assets | 0.0838% | 6,090 |
| Net operating income to assets | 0.5616% | 4,028 |
| Return on assets (ROA) | 0.5616% | 4,179 |
| Pretax return on assets | 0.8007% | 3,878 |
| Return on Equity (ROE) | 4.6419% | 4,467 |
| Retained earnings to average equity (ytd only) | 4.6419% | 3,119 |
| Net charge-offs to loans | 0.1271% | 4,924 |
| Credit loss provision to net charge-offs | 98.5646% | 4,162 |
| Earnings coverage of net charge-offs (x) | 10.4067% | 1,891 |
| Efficiency ratio | 78.2782% | 2,681 |
| Assets per employee ($millions) | 4.3160% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 6,682 |
| Loan loss allowance to noncurrent loans | 72.1603% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.1875% | 4,765 |
| Noncurrent loans to loans | 1.2794% | 4,825 |
| Net loans and leases to total assets | 65.7935% | 3,872 |
| Net loans and leases to deposits | 79.1798% | 3,760 |
| Net loans and leases to core deposits | 83.7359% | 4,167 |
| Total domestic deposits to total assets | 83.0938% | 4,533 |
| Equity capital to assets | 12.1844% | 1,988 |
| Core capital (leverage) ratio | 11.5846% | 1,862 |
| Tier 1 risk-based capital ratio | 16.8837% | 2,330 |
| Total risk-based capital ratio | 17.7902% | 2,407 |
| Memoranda: | ||
| Average total assets | $491,790,670 | 1,391 |
| Average earning assets | $433,328,670 | 1,435 |
| Average equity | $59,501,000 | 1,111 |
| Average total loans | $328,885,670 | 1,387 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 4,997 |
| Cost of funding earning assets | 0.9211% | 6,694 |
| Net interest margin | 4.0848% | 2,509 |
| Noninterest income to average assets | 0.4184% | 4,749 |
| Noninterest expense to average assets | 3.1917% | 2,905 |
| Loan and lease loss provision to assets | 0.0261% | 6,405 |
| Net operating income to assets | 0.5655% | 4,053 |
| Return on assets (ROA) | 0.5655% | 4,198 |
| Pretax return on assets | 0.8098% | 3,822 |
| Return on Equity (ROE) | 4.6905% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.6905% | 3,328 |
| Net charge-offs to loans | 0.0037% | 5,573 |
| Credit loss provision to net charge-offs | 1,066.6667% | 442 |
| Earnings coverage of net charge-offs (x) | 341.0000% | 82 |
| Efficiency ratio | 79.2453% | 2,678 |
| Assets per employee ($millions) | 4.2112% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 6,744 |
| Loan loss allowance to noncurrent loans | 47.6744% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 1.5117% | 4,238 |
| Noncurrent loans to loans | 1.9479% | 3,863 |
| Net loans and leases to total assets | 67.7387% | 3,453 |
| Net loans and leases to deposits | 81.6406% | 3,343 |
| Net loans and leases to core deposits | 86.7813% | 3,791 |
| Total domestic deposits to total assets | 82.9718% | 4,642 |
| Equity capital to assets | 12.3037% | 1,873 |
| Core capital (leverage) ratio | 11.5667% | 1,873 |
| Tier 1 risk-based capital ratio | 16.6935% | 2,377 |
| Total risk-based capital ratio | 17.6120% | 2,457 |
| Memoranda: | ||
| Average total assets | $489,516,500 | 1,428 |
| Average earning assets | $432,527,500 | 1,475 |
| Average equity | $59,013,500 | 1,126 |
| Average total loans | $328,527,500 | 1,435 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3413% | 4,982 |
| Cost of funding earning assets | 1.1513% | 6,819 |
| Net interest margin | 4.1900% | 2,101 |
| Noninterest income to average assets | 0.5144% | 4,294 |
| Noninterest expense to average assets | 3.2507% | 3,191 |
| Loan and lease loss provision to assets | 0.0239% | 7,268 |
| Net operating income to assets | 0.6469% | 3,151 |
| Return on assets (ROA) | 0.6469% | 3,204 |
| Pretax return on assets | 0.9289% | 2,831 |
| Return on Equity (ROE) | 5.3907% | 3,475 |
| Retained earnings to average equity (ytd only) | 5.3907% | 1,628 |
| Net charge-offs to loans | 0.0720% | 6,389 |
| Credit loss provision to net charge-offs | 48.2906% | 6,769 |
| Earnings coverage of net charge-offs (x) | 19.2650% | 1,089 |
| Efficiency ratio | 77.3342% | 3,305 |
| Assets per employee ($millions) | 4.3399% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 6,691 |
| Loan loss allowance to noncurrent loans | 52.7446% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.3461% | 4,406 |
| Noncurrent loans to loans | 1.7718% | 3,978 |
| Net loans and leases to total assets | 65.2626% | 4,330 |
| Net loans and leases to deposits | 78.5301% | 4,271 |
| Net loans and leases to core deposits | 86.7781% | 5,447 |
| Total domestic deposits to total assets | 83.1053% | 4,479 |
| Equity capital to assets | 11.8125% | 2,131 |
| Core capital (leverage) ratio | 11.2912% | 2,048 |
| Tier 1 risk-based capital ratio | 16.6695% | 2,246 |
| Total risk-based capital ratio | 17.5921% | 2,327 |
| Memoranda: | ||
| Average total assets | $473,163,800 | 1,471 |
| Average earning assets | $416,586,800 | 1,518 |
| Average equity | $56,782,800 | 1,162 |
| Average total loans | $325,044,400 | 1,483 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4369% | 4,757 |
| Cost of funding earning assets | 1.1951% | 6,903 |
| Net interest margin | 4.2419% | 1,897 |
| Noninterest income to average assets | 0.5230% | 4,294 |
| Noninterest expense to average assets | 3.2414% | 3,149 |
| Loan and lease loss provision to assets | -0.0362% | 8,050 |
| Net operating income to assets | 0.7200% | 3,134 |
| Return on assets (ROA) | 0.7200% | 3,205 |
| Pretax return on assets | 1.0481% | 2,747 |
| Return on Equity (ROE) | 5.9749% | 3,541 |
| Retained earnings to average equity (ytd only) | 5.9749% | 1,964 |
| Net charge-offs to loans | -0.0345% | 7,817 |
| Credit loss provision to net charge-offs | 151.1905% | 3,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2096% | 3,474 |
| Assets per employee ($millions) | 4.1082% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 6,455 |
| Loan loss allowance to noncurrent loans | 45.7260% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 1.4214% | 4,263 |
| Noncurrent loans to loans | 2.1157% | 3,488 |
| Net loans and leases to total assets | 66.5333% | 4,295 |
| Net loans and leases to deposits | 79.9640% | 4,395 |
| Net loans and leases to core deposits | 88.7514% | 5,554 |
| Total domestic deposits to total assets | 83.2040% | 4,114 |
| Equity capital to assets | 12.0618% | 2,213 |
| Core capital (leverage) ratio | 11.4760% | 2,089 |
| Tier 1 risk-based capital ratio | 16.9657% | 2,284 |
| Total risk-based capital ratio | 17.9338% | 2,315 |
| Memoranda: | ||
| Average total assets | $467,768,000 | 1,493 |
| Average earning assets | $411,348,000 | 1,553 |
| Average equity | $56,368,000 | 1,188 |
| Average total loans | $324,822,750 | 1,503 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5515% | 4,331 |
| Cost of funding earning assets | 1.2349% | 7,002 |
| Net interest margin | 4.3166% | 1,606 |
| Noninterest income to average assets | 0.5420% | 4,100 |
| Noninterest expense to average assets | 3.2861% | 3,019 |
| Loan and lease loss provision to assets | -0.0095% | 8,141 |
| Net operating income to assets | 0.7232% | 3,153 |
| Return on assets (ROA) | 0.7232% | 3,260 |
| Pretax return on assets | 1.0516% | 2,802 |
| Return on Equity (ROE) | 6.0037% | 3,645 |
| Retained earnings to average equity (ytd only) | 6.0037% | 2,020 |
| Net charge-offs to loans | -0.0565% | 7,865 |
| Credit loss provision to net charge-offs | 23.9130% | 6,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9222% | 3,706 |
| Assets per employee ($millions) | 3.9205% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 6,341 |
| Loan loss allowance to noncurrent loans | 50.0077% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 1.3992% | 4,161 |
| Noncurrent loans to loans | 1.9738% | 3,560 |
| Net loans and leases to total assets | 70.1871% | 3,654 |
| Net loans and leases to deposits | 84.9676% | 3,735 |
| Net loans and leases to core deposits | 94.8794% | 5,019 |
| Total domestic deposits to total assets | 82.6046% | 4,421 |
| Equity capital to assets | 12.2359% | 2,067 |
| Core capital (leverage) ratio | 11.7120% | 1,971 |
| Tier 1 risk-based capital ratio | 16.4155% | 2,476 |
| Total risk-based capital ratio | 17.4066% | 2,516 |
| Memoranda: | ||
| Average total assets | $463,471,670 | 1,533 |
| Average earning assets | $406,524,000 | 1,599 |
| Average equity | $55,832,000 | 1,206 |
| Average total loans | $325,456,670 | 1,530 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5748% | 4,498 |
| Cost of funding earning assets | 1.2783% | 7,087 |
| Net interest margin | 4.2966% | 1,614 |
| Noninterest income to average assets | 0.4708% | 4,585 |
| Noninterest expense to average assets | 3.0929% | 3,402 |
| Loan and lease loss provision to assets | 0.2018% | 4,428 |
| Net operating income to assets | 0.6639% | 3,738 |
| Return on assets (ROA) | 0.6639% | 3,914 |
| Pretax return on assets | 0.9554% | 3,516 |
| Return on Equity (ROE) | 5.5551% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.5551% | 2,839 |
| Net charge-offs to loans | 0.0037% | 5,670 |
| Credit loss provision to net charge-offs | 7,800.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 447.3333% | 71 |
| Efficiency ratio | 72.7734% | 4,047 |
| Assets per employee ($millions) | 4.1758% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 5,858 |
| Loan loss allowance to noncurrent loans | 65.1957% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.1245% | 4,432 |
| Noncurrent loans to loans | 1.5989% | 3,879 |
| Net loans and leases to total assets | 69.5925% | 3,778 |
| Net loans and leases to deposits | 86.3165% | 3,576 |
| Net loans and leases to core deposits | 95.8620% | 4,985 |
| Total domestic deposits to total assets | 80.6248% | 5,125 |
| Equity capital to assets | 11.9907% | 2,266 |
| Core capital (leverage) ratio | 11.4905% | 2,155 |
| Tier 1 risk-based capital ratio | 16.2424% | 2,600 |
| Total risk-based capital ratio | 17.2924% | 2,615 |
| Memoranda: | ||
| Average total assets | $463,896,500 | 1,540 |
| Average earning assets | $408,048,000 | 1,593 |
| Average equity | $55,445,000 | 1,230 |
| Average total loans | $324,216,000 | 1,551 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9569% | 5,773 |
| Cost of funding earning assets | 1.8399% | 6,900 |
| Net interest margin | 4.1170% | 2,636 |
| Noninterest income to average assets | 0.4851% | 4,744 |
| Noninterest expense to average assets | 3.1348% | 3,562 |
| Loan and lease loss provision to assets | 0.1187% | 5,850 |
| Net operating income to assets | 0.5794% | 4,396 |
| Return on assets (ROA) | 0.5794% | 4,259 |
| Pretax return on assets | 0.8299% | 3,960 |
| Return on Equity (ROE) | 4.8386% | 4,461 |
| Retained earnings to average equity (ytd only) | 4.8386% | 2,120 |
| Net charge-offs to loans | 0.0060% | 6,882 |
| Credit loss provision to net charge-offs | 2,842.1053% | 169 |
| Earnings coverage of net charge-offs (x) | 227.0526% | 212 |
| Efficiency ratio | 76.7690% | 3,107 |
| Assets per employee ($millions) | 4.1087% | 3,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9821% | 6,194 |
| Loan loss allowance to noncurrent loans | 57.0220% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 1.1963% | 3,855 |
| Noncurrent loans to loans | 1.7224% | 3,180 |
| Net loans and leases to total assets | 68.7724% | 4,305 |
| Net loans and leases to deposits | 90.1007% | 3,439 |
| Net loans and leases to core deposits | 100.0138% | 4,821 |
| Total domestic deposits to total assets | 76.3284% | 6,158 |
| Equity capital to assets | 11.9134% | 2,346 |
| Core capital (leverage) ratio | 11.3139% | 2,357 |
| Tier 1 risk-based capital ratio | 16.3552% | 2,532 |
| Total risk-based capital ratio | 17.3433% | 2,567 |
| Memoranda: | ||
| Average total assets | $454,764,800 | 1,509 |
| Average earning assets | $397,470,800 | 1,568 |
| Average equity | $54,457,800 | 1,239 |
| Average total loans | $315,464,600 | 1,535 |