Home > Sugar River Bank > Performance and Condition Ratios
Sugar River Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 3,624 |
| Cost of funding earning assets | 1.2243% | 3,708 |
| Net interest margin | 3.4672% | 2,393 |
| Noninterest income to average assets | 0.4500% | 1,965 |
| Noninterest expense to average assets | 2.9238% | 1,281 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 0.5371% | 3,498 |
| Return on assets (ROA) | 0.5363% | 3,515 |
| Pretax return on assets | 0.6489% | 3,500 |
| Return on Equity (ROE) | 5.0200% | 3,538 |
| Retained earnings to average equity (ytd only) | 5.0199% | 2,557 |
| Net charge-offs to loans | 0.1007% | 829 |
| Credit loss provision to net charge-offs | 128.5714% | 1,108 |
| Earnings coverage of net charge-offs (x) | 10.6000% | 1,701 |
| Efficiency ratio | 79.8095% | 960 |
| Assets per employee ($millions) | 5.5622% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 3,771 |
| Loan loss allowance to noncurrent loans | 213.6657% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 2,198 |
| Noncurrent loans to loans | 0.3914% | 2,140 |
| Net loans and leases to total assets | 68.5200% | 2,014 |
| Net loans and leases to deposits | 80.5458% | 2,005 |
| Net loans and leases to core deposits | 86.2791% | 2,304 |
| Total domestic deposits to total assets | 85.0700% | 2,600 |
| Equity capital to assets | 10.8750% | 1,726 |
| Core capital (leverage) ratio | 13.9520% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $401,264,000 | 2,068 |
| Average earning assets | $371,484,000 | 2,064 |
| Average equity | $42,869,000 | 1,928 |
| Average total loans | $278,057,000 | 1,978 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 3,681 |
| Cost of funding earning assets | 1.3522% | 3,595 |
| Net interest margin | 3.2897% | 2,532 |
| Noninterest income to average assets | 0.5100% | 1,882 |
| Noninterest expense to average assets | 2.9509% | 1,232 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 0.4276% | 3,633 |
| Return on assets (ROA) | 0.4274% | 3,654 |
| Pretax return on assets | 0.4992% | 3,648 |
| Return on Equity (ROE) | 4.1000% | 3,686 |
| Retained earnings to average equity (ytd only) | 3.9757% | 2,641 |
| Net charge-offs to loans | 0.1666% | 813 |
| Credit loss provision to net charge-offs | 93.1416% | 1,998 |
| Earnings coverage of net charge-offs (x) | 5.2920% | 2,594 |
| Efficiency ratio | 83.1026% | 846 |
| Assets per employee ($millions) | 5.9125% | 2,944 |
| Cash dividends to net income (ytd only)* | 2.9343% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8214% | 3,819 |
| Loan loss allowance to noncurrent loans | 214.2857% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 2,179 |
| Noncurrent loans to loans | 0.3833% | 2,120 |
| Net loans and leases to total assets | 68.9200% | 2,021 |
| Net loans and leases to deposits | 81.1389% | 2,033 |
| Net loans and leases to core deposits | 86.4097% | 2,360 |
| Total domestic deposits to total assets | 84.9500% | 2,551 |
| Equity capital to assets | 10.4927% | 1,842 |
| Core capital (leverage) ratio | 13.7358% | 853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $398,660,800 | 2,048 |
| Average earning assets | $368,511,400 | 2,041 |
| Average equity | $41,603,200 | 1,921 |
| Average total loans | $271,237,400 | 1,964 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 195,386.0000% | 12 |
| Cost of funding earning assets | 281.0000% | 17 |
| Net interest margin | 0.0000% | 4,479 |
| Noninterest income to average assets | 1.0000% | 593 |
| Noninterest expense to average assets | 0.0005% | 4,492 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | 0.0000% | 4,206 |
| Return on assets (ROA) | 0.4494% | 3,619 |
| Pretax return on assets | 0.5275% | 3,601 |
| Return on Equity (ROE) | 4.3100% | 3,668 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,956 |
| Net charge-offs to loans | 496.0000% | 5 |
| Credit loss provision to net charge-offs | 3.0000% | 2,235 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 21,000.0000% | 11 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.7851% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 721.0000% | 26 |
| 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 | 348.0000% | 9 |
| Net loans and leases to core deposits | 0.0000% | 4,405 |
| Total domestic deposits to total assets | 0.0369% | 4,474 |
| Equity capital to assets | 180,374.0000% | 12 |
| 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 | $214,000 | 4,525 |
| Average earning assets | $4,465 | 4,508 |
| Average equity | $0 | 4,479 |
| Average total loans | $0 | 4,410 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 3,696 |
| Cost of funding earning assets | 1.2953% | 3,631 |
| Net interest margin | 3.2574% | 2,515 |
| Noninterest income to average assets | 0.5000% | 1,865 |
| Noninterest expense to average assets | 2.9291% | 1,200 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 0.4708% | 3,510 |
| Return on assets (ROA) | 0.4704% | 3,545 |
| Pretax return on assets | 0.5580% | 3,524 |
| Return on Equity (ROE) | 4.5600% | 3,620 |
| Retained earnings to average equity (ytd only) | 4.5640% | 2,502 |
| Net charge-offs to loans | 0.2235% | 498 |
| Credit loss provision to net charge-offs | 11.0368% | 1,969 |
| Earnings coverage of net charge-offs (x) | 3.7960% | 2,302 |
| Efficiency ratio | 83.5840% | 887 |
| Assets per employee ($millions) | 5.6237% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7623% | 4,013 |
| Loan loss allowance to noncurrent loans | 334.4156% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 2,614 |
| Noncurrent loans to loans | 0.2280% | 2,574 |
| Net loans and leases to total assets | 68.1200% | 2,116 |
| Net loans and leases to deposits | 82.5460% | 1,971 |
| Net loans and leases to core deposits | 88.7077% | 2,226 |
| Total domestic deposits to total assets | 82.5200% | 2,970 |
| Equity capital to assets | 10.3757% | 1,876 |
| Core capital (leverage) ratio | 14.0106% | 817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $394,597,667 | 2,053 |
| Average earning assets | $364,097,667 | 2,057 |
| Average equity | $40,666,333 | 1,931 |
| Average total loans | $267,598,000 | 1,976 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4952% | 3,690 |
| Cost of funding earning assets | 1.2779% | 3,597 |
| Net interest margin | 3.2173% | 2,528 |
| Noninterest income to average assets | 0.4700% | 1,919 |
| Noninterest expense to average assets | 2.9423% | 1,157 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.3988% | 3,626 |
| Return on assets (ROA) | 0.3979% | 3,649 |
| Pretax return on assets | 0.4657% | 3,628 |
| Return on Equity (ROE) | 3.8700% | 3,698 |
| Retained earnings to average equity (ytd only) | 3.8741% | 2,742 |
| Net charge-offs to loans | 0.1487% | 563 |
| Credit loss provision to net charge-offs | 33.3333% | 1,468 |
| Earnings coverage of net charge-offs (x) | 4.9899% | 1,875 |
| Efficiency ratio | 85.4706% | 808 |
| Assets per employee ($millions) | 5.6754% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 3,849 |
| Loan loss allowance to noncurrent loans | 296.0682% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 2,405 |
| Noncurrent loans to loans | 0.2852% | 2,302 |
| Net loans and leases to total assets | 66.7700% | 2,144 |
| Net loans and leases to deposits | 81.3969% | 1,935 |
| Net loans and leases to core deposits | 86.6266% | 2,273 |
| Total domestic deposits to total assets | 82.0300% | 3,170 |
| Equity capital to assets | 10.1999% | 1,893 |
| Core capital (leverage) ratio | 13.8220% | 817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $395,065,500 | 2,058 |
| Average earning assets | $364,658,000 | 2,061 |
| Average equity | $40,577,000 | 1,930 |
| Average total loans | $266,288,000 | 1,980 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 3,563 |
| Cost of funding earning assets | 0.8160% | 3,688 |
| Net interest margin | 3.4192% | 2,363 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.8264% | 1,444 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.6127% | 3,409 |
| Return on assets (ROA) | 0.6104% | 3,403 |
| Pretax return on assets | 0.7475% | 3,345 |
| Return on Equity (ROE) | 6.2600% | 3,472 |
| Retained earnings to average equity (ytd only) | 6.2577% | 2,150 |
| Net charge-offs to loans | 0.1484% | 691 |
| Credit loss provision to net charge-offs | 75.1958% | 2,050 |
| Earnings coverage of net charge-offs (x) | 8.2977% | 2,355 |
| Efficiency ratio | 77.4033% | 1,125 |
| Assets per employee ($millions) | 5.6122% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8771% | 3,788 |
| Loan loss allowance to noncurrent loans | 252.4430% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 2,039 |
| Noncurrent loans to loans | 0.3475% | 1,936 |
| Net loans and leases to total assets | 66.8800% | 2,159 |
| Net loans and leases to deposits | 83.8104% | 1,798 |
| Net loans and leases to core deposits | 88.4067% | 2,157 |
| Total domestic deposits to total assets | 79.8000% | 3,495 |
| Equity capital to assets | 10.3428% | 1,820 |
| Core capital (leverage) ratio | 14.0708% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $385,160,400 | 2,057 |
| Average earning assets | $354,639,800 | 2,071 |
| Average equity | $37,569,600 | 1,954 |
| Average total loans | $258,042,600 | 1,964 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1764% | 3,510 |
| Cost of funding earning assets | 0.7146% | 3,729 |
| Net interest margin | 3.4617% | 2,309 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.8914% | 1,244 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.5773% | 3,605 |
| Return on assets (ROA) | 0.5765% | 3,593 |
| Pretax return on assets | 0.7017% | 3,547 |
| Return on Equity (ROE) | 6.0000% | 3,640 |
| Retained earnings to average equity (ytd only) | 6.0028% | 2,635 |
| Net charge-offs to loans | 0.1686% | 508 |
| Credit loss provision to net charge-offs | 83.6420% | 1,736 |
| Earnings coverage of net charge-offs (x) | 7.0710% | 2,250 |
| Efficiency ratio | 78.3909% | 980 |
| Assets per employee ($millions) | 5.3736% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9041% | 3,720 |
| Loan loss allowance to noncurrent loans | 222.4624% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 1,890 |
| Noncurrent loans to loans | 0.4064% | 1,815 |
| Net loans and leases to total assets | 68.0000% | 2,041 |
| Net loans and leases to deposits | 82.9466% | 1,831 |
| Net loans and leases to core deposits | 86.9576% | 2,127 |
| Total domestic deposits to total assets | 81.9800% | 3,211 |
| Equity capital to assets | 9.3386% | 2,204 |
| Core capital (leverage) ratio | 13.9097% | 842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $383,237,000 | 2,062 |
| Average earning assets | $352,800,750 | 2,084 |
| Average equity | $36,804,000 | 1,974 |
| Average total loans | $256,286,250 | 1,974 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0998% | 3,490 |
| Cost of funding earning assets | 0.6018% | 3,747 |
| Net interest margin | 3.4980% | 2,275 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.8624% | 1,300 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.5766% | 3,637 |
| Return on assets (ROA) | 0.5753% | 3,644 |
| Pretax return on assets | 0.7004% | 3,601 |
| Return on Equity (ROE) | 5.9400% | 3,704 |
| Retained earnings to average equity (ytd only) | 5.9362% | 2,650 |
| Net charge-offs to loans | 0.1839% | 430 |
| Credit loss provision to net charge-offs | 107.6923% | 1,388 |
| Earnings coverage of net charge-offs (x) | 6.8333% | 2,108 |
| Efficiency ratio | 77.4535% | 1,047 |
| Assets per employee ($millions) | 5.0676% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 3,637 |
| Loan loss allowance to noncurrent loans | 278.7429% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 2,051 |
| Noncurrent loans to loans | 0.3395% | 1,914 |
| Net loans and leases to total assets | 66.2900% | 2,125 |
| Net loans and leases to deposits | 80.2758% | 1,952 |
| Net loans and leases to core deposits | 84.4786% | 2,183 |
| Total domestic deposits to total assets | 82.5700% | 3,126 |
| Equity capital to assets | 9.8395% | 1,950 |
| Core capital (leverage) ratio | 13.7974% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $383,807,333 | 2,064 |
| Average earning assets | $353,629,667 | 2,078 |
| Average equity | $37,195,667 | 1,974 |
| Average total loans | $254,446,667 | 1,984 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0584% | 3,349 |
| Cost of funding earning assets | 0.4803% | 3,757 |
| Net interest margin | 3.5781% | 2,174 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.8773% | 1,281 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.6078% | 3,675 |
| Return on assets (ROA) | 0.6087% | 3,633 |
| Pretax return on assets | 0.7412% | 3,583 |
| Return on Equity (ROE) | 6.3300% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.3291% | 2,679 |
| Net charge-offs to loans | 0.1377% | 485 |
| Credit loss provision to net charge-offs | 163.2184% | 915 |
| Earnings coverage of net charge-offs (x) | 9.7816% | 1,679 |
| Efficiency ratio | 76.4070% | 1,140 |
| Assets per employee ($millions) | 5.4106% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 3,609 |
| Loan loss allowance to noncurrent loans | 147.2057% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 1,178 |
| Noncurrent loans to loans | 0.6639% | 1,135 |
| Net loans and leases to total assets | 65.3100% | 2,129 |
| Net loans and leases to deposits | 77.9955% | 1,972 |
| Net loans and leases to core deposits | 81.4648% | 2,151 |
| Total domestic deposits to total assets | 83.7400% | 3,142 |
| Equity capital to assets | 9.9060% | 1,867 |
| Core capital (leverage) ratio | 13.6324% | 807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $383,141,000 | 2,091 |
| Average earning assets | $353,144,000 | 2,103 |
| Average equity | $36,845,500 | 2,012 |
| Average total loans | $252,802,000 | 2,009 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5982% | 2,811 |
| Cost of funding earning assets | 0.1564% | 4,090 |
| Net interest margin | 3.4418% | 2,127 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.8230% | 1,271 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.6118% | 3,856 |
| Return on assets (ROA) | 0.6755% | 3,636 |
| Pretax return on assets | 0.8408% | 3,516 |
| Return on Equity (ROE) | 6.4800% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.4788% | 2,462 |
| Net charge-offs to loans | 0.0921% | 768 |
| Credit loss provision to net charge-offs | 169.5455% | 1,218 |
| Earnings coverage of net charge-offs (x) | 14.7773% | 2,020 |
| Efficiency ratio | 76.6535% | 952 |
| Assets per employee ($millions) | 5.4590% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 3,570 |
| Loan loss allowance to noncurrent loans | 159.7360% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 1,290 |
| Noncurrent loans to loans | 0.6006% | 1,248 |
| Net loans and leases to total assets | 65.3700% | 2,103 |
| Net loans and leases to deposits | 75.7092% | 2,120 |
| Net loans and leases to core deposits | 78.1026% | 2,265 |
| Total domestic deposits to total assets | 86.3500% | 2,621 |
| Equity capital to assets | 9.3259% | 2,129 |
| Core capital (leverage) ratio | 13.5797% | 796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $378,113,000 | 2,109 |
| Average earning assets | $350,395,200 | 2,111 |
| Average equity | $39,420,600 | 1,935 |
| Average total loans | $238,960,400 | 2,008 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4660% | 2,728 |
| Cost of funding earning assets | 0.1192% | 4,132 |
| Net interest margin | 3.3467% | 2,150 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.7652% | 1,313 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.6278% | 3,759 |
| Return on assets (ROA) | 0.7114% | 3,489 |
| Pretax return on assets | 0.8977% | 3,321 |
| Return on Equity (ROE) | 6.6500% | 3,665 |
| Retained earnings to average equity (ytd only) | 6.6456% | 2,496 |
| Net charge-offs to loans | 0.0622% | 866 |
| Credit loss provision to net charge-offs | 106.3636% | 1,291 |
| Earnings coverage of net charge-offs (x) | 21.4273% | 1,687 |
| Efficiency ratio | 76.8422% | 1,009 |
| Assets per employee ($millions) | 5.3434% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 3,776 |
| Loan loss allowance to noncurrent loans | 167.0830% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 1,510 |
| Noncurrent loans to loans | 0.5553% | 1,432 |
| Net loans and leases to total assets | 64.0000% | 2,086 |
| Net loans and leases to deposits | 71.9907% | 2,204 |
| Net loans and leases to core deposits | 74.0721% | 2,340 |
| Total domestic deposits to total assets | 88.9100% | 2,125 |
| Equity capital to assets | 9.0858% | 2,147 |
| Core capital (leverage) ratio | 13.4294% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $377,108,500 | 2,126 |
| Average earning assets | $350,022,750 | 2,123 |
| Average equity | $40,366,500 | 1,933 |
| Average total loans | $235,641,500 | 2,025 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3406% | 2,608 |
| Cost of funding earning assets | 0.1211% | 3,948 |
| Net interest margin | 3.2195% | 2,127 |
| Noninterest income to average assets | 0.4756% | 2,328 |
| Noninterest expense to average assets | 2.7490% | 1,270 |
| Loan and lease loss provision to assets | -0.0202% | 4,430 |
| Net operating income to assets | 0.5772% | 3,689 |
| Return on assets (ROA) | 0.7036% | 3,250 |
| Pretax return on assets | 0.9018% | 3,059 |
| Return on Equity (ROE) | 6.2553% | 3,516 |
| Retained earnings to average equity (ytd only) | 6.2553% | 2,257 |
| Net charge-offs to loans | 0.0525% | 870 |
| Credit loss provision to net charge-offs | -62.2951% | 3,059 |
| Earnings coverage of net charge-offs (x) | 22.2623% | 1,509 |
| Efficiency ratio | 79.2069% | 1,006 |
| Assets per employee ($millions) | 5.5522% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 3,948 |
| Loan loss allowance to noncurrent loans | 196.8240% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 1,838 |
| Noncurrent loans to loans | 0.4581% | 1,741 |
| Net loans and leases to total assets | 63.1464% | 2,001 |
| Net loans and leases to deposits | 71.1154% | 2,100 |
| Net loans and leases to core deposits | 73.0450% | 2,235 |
| Total domestic deposits to total assets | 88.7944% | 2,262 |
| Equity capital to assets | 10.0972% | 1,661 |
| Core capital (leverage) ratio | 13.2516% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $376,350,333 | 2,134 |
| Average earning assets | $350,115,333 | 2,139 |
| Average equity | $42,332,000 | 1,920 |
| Average total loans | $232,490,333 | 2,037 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2659% | 2,488 |
| Cost of funding earning assets | 0.1233% | 3,860 |
| Net interest margin | 3.1426% | 2,050 |
| Noninterest income to average assets | 0.4748% | 2,278 |
| Noninterest expense to average assets | 2.7976% | 1,163 |
| Loan and lease loss provision to assets | -0.1096% | 4,611 |
| Net operating income to assets | 0.5463% | 3,573 |
| Return on assets (ROA) | 0.7995% | 2,652 |
| Pretax return on assets | 1.0379% | 2,331 |
| Return on Equity (ROE) | 6.7601% | 3,113 |
| Retained earnings to average equity (ytd only) | 6.7601% | 1,976 |
| Net charge-offs to loans | 0.0385% | 896 |
| Credit loss provision to net charge-offs | -468.1818% | 3,123 |
| Earnings coverage of net charge-offs (x) | 25.9545% | 1,194 |
| Efficiency ratio | 82.1507% | 974 |
| Assets per employee ($millions) | 4.9485% | 3,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 3,962 |
| Loan loss allowance to noncurrent loans | 190.3197% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 1,923 |
| Noncurrent loans to loans | 0.4880% | 1,810 |
| Net loans and leases to total assets | 60.7814% | 1,983 |
| Net loans and leases to deposits | 69.3137% | 2,028 |
| Net loans and leases to core deposits | 71.1931% | 2,180 |
| Total domestic deposits to total assets | 87.6903% | 2,666 |
| Equity capital to assets | 11.0833% | 1,295 |
| Core capital (leverage) ratio | 13.1517% | 747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,750,000 | 2,149 |
| Average earning assets | $350,412,000 | 2,145 |
| Average equity | $44,437,000 | 1,908 |
| Average total loans | $228,446,000 | 2,057 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4484% | 2,806 |
| Cost of funding earning assets | 0.1474% | 4,005 |
| Net interest margin | 3.3010% | 2,314 |
| Noninterest income to average assets | 0.5332% | 2,425 |
| Noninterest expense to average assets | 2.8643% | 1,228 |
| Loan and lease loss provision to assets | 0.1228% | 1,003 |
| Net operating income to assets | 0.4955% | 4,100 |
| Return on assets (ROA) | 0.5548% | 4,015 |
| Pretax return on assets | 0.6890% | 3,949 |
| Return on Equity (ROE) | 4.1456% | 4,185 |
| Retained earnings to average equity (ytd only) | 4.1456% | 3,168 |
| Net charge-offs to loans | 0.1674% | 574 |
| Credit loss provision to net charge-offs | 117.7419% | 1,663 |
| Earnings coverage of net charge-offs (x) | 7.0833% | 2,364 |
| Efficiency ratio | 79.4989% | 838 |
| Assets per employee ($millions) | 5.3630% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 3,740 |
| Loan loss allowance to noncurrent loans | 171.1698% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 1,812 |
| Noncurrent loans to loans | 0.5859% | 1,673 |
| Net loans and leases to total assets | 59.6383% | 2,195 |
| Net loans and leases to deposits | 69.2166% | 2,202 |
| Net loans and leases to core deposits | 71.1360% | 2,343 |
| Total domestic deposits to total assets | 86.1619% | 2,850 |
| Equity capital to assets | 12.5704% | 1,037 |
| Core capital (leverage) ratio | 13.0722% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,732,000 | 2,165 |
| Average earning assets | $331,744,000 | 2,177 |
| Average equity | $47,737,000 | 1,829 |
| Average total loans | $222,161,800 | 2,090 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4489% | 2,962 |
| Cost of funding earning assets | 0.1517% | 4,094 |
| Net interest margin | 3.2972% | 2,422 |
| Noninterest income to average assets | 0.5381% | 2,463 |
| Noninterest expense to average assets | 2.9085% | 1,117 |
| Loan and lease loss provision to assets | 0.0952% | 1,254 |
| Net operating income to assets | 0.4779% | 4,242 |
| Return on assets (ROA) | 0.5416% | 4,162 |
| Pretax return on assets | 0.6764% | 4,111 |
| Return on Equity (ROE) | 3.9826% | 4,303 |
| Retained earnings to average equity (ytd only) | 3.9826% | 3,580 |
| Net charge-offs to loans | 0.1182% | 664 |
| Credit loss provision to net charge-offs | 128.0612% | 1,427 |
| Earnings coverage of net charge-offs (x) | 9.3214% | 2,081 |
| Efficiency ratio | 80.7826% | 708 |
| Assets per employee ($millions) | 5.2243% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 3,863 |
| Loan loss allowance to noncurrent loans | 140.2985% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 1,733 |
| Noncurrent loans to loans | 0.7100% | 1,568 |
| Net loans and leases to total assets | 60.4475% | 2,202 |
| Net loans and leases to deposits | 70.4623% | 2,192 |
| Net loans and leases to core deposits | 72.4474% | 2,387 |
| Total domestic deposits to total assets | 85.7870% | 2,833 |
| Equity capital to assets | 12.9968% | 981 |
| Core capital (leverage) ratio | 13.1619% | 803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,061,750 | 2,205 |
| Average earning assets | $326,974,000 | 2,218 |
| Average equity | $47,873,500 | 1,849 |
| Average total loans | $221,162,750 | 2,128 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4351% | 3,068 |
| Cost of funding earning assets | 0.1559% | 4,159 |
| Net interest margin | 3.2792% | 2,516 |
| Noninterest income to average assets | 0.5408% | 2,443 |
| Noninterest expense to average assets | 2.9852% | 1,012 |
| Loan and lease loss provision to assets | 0.0978% | 1,292 |
| Net operating income to assets | 0.4026% | 4,377 |
| Return on assets (ROA) | 0.4916% | 4,282 |
| Pretax return on assets | 0.6096% | 4,217 |
| Return on Equity (ROE) | 3.5593% | 4,402 |
| Retained earnings to average equity (ytd only) | 3.5593% | 3,664 |
| Net charge-offs to loans | 0.1322% | 601 |
| Credit loss provision to net charge-offs | 116.5517% | 1,277 |
| Earnings coverage of net charge-offs (x) | 7.1241% | 1,929 |
| Efficiency ratio | 83.3226% | 593 |
| Assets per employee ($millions) | 4.7107% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 3,852 |
| Loan loss allowance to noncurrent loans | 111.4729% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.5503% | 1,514 |
| Noncurrent loans to loans | 0.8886% | 1,389 |
| Net loans and leases to total assets | 61.3121% | 2,263 |
| Net loans and leases to deposits | 71.7987% | 2,227 |
| Net loans and leases to core deposits | 74.4442% | 2,368 |
| Total domestic deposits to total assets | 85.3944% | 2,946 |
| Equity capital to assets | 13.3567% | 855 |
| Core capital (leverage) ratio | 13.5904% | 698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $345,775,000 | 2,223 |
| Average earning assets | $320,748,667 | 2,239 |
| Average equity | $47,762,000 | 1,840 |
| Average total loans | $219,394,000 | 2,149 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4777% | 2,991 |
| Cost of funding earning assets | 0.1601% | 4,237 |
| Net interest margin | 3.3177% | 2,338 |
| Noninterest income to average assets | 0.5206% | 2,518 |
| Noninterest expense to average assets | 3.0394% | 929 |
| Loan and lease loss provision to assets | 0.1032% | 1,317 |
| Net operating income to assets | 0.3579% | 4,434 |
| Return on assets (ROA) | 0.4862% | 4,236 |
| Pretax return on assets | 0.6131% | 4,172 |
| Return on Equity (ROE) | 3.4585% | 4,383 |
| Retained earnings to average equity (ytd only) | 3.4585% | 3,645 |
| Net charge-offs to loans | 0.1144% | 620 |
| Credit loss provision to net charge-offs | 140.3226% | 1,004 |
| Earnings coverage of net charge-offs (x) | 7.5323% | 1,607 |
| Efficiency ratio | 84.5875% | 567 |
| Assets per employee ($millions) | 4.3601% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 3,739 |
| Loan loss allowance to noncurrent loans | 113.3910% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.5702% | 1,662 |
| Noncurrent loans to loans | 0.9055% | 1,493 |
| Net loans and leases to total assets | 62.3246% | 2,251 |
| Net loans and leases to deposits | 73.3267% | 2,180 |
| Net loans and leases to core deposits | 75.9120% | 2,364 |
| Total domestic deposits to total assets | 84.9958% | 3,095 |
| Equity capital to assets | 13.7448% | 730 |
| Core capital (leverage) ratio | 14.0495% | 644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $337,301,000 | 2,249 |
| Average earning assets | $312,387,500 | 2,258 |
| Average equity | $47,419,000 | 1,840 |
| Average total loans | $216,782,000 | 2,166 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 3,083 |
| Cost of funding earning assets | 0.3745% | 3,740 |
| Net interest margin | 3.5052% | 2,460 |
| Noninterest income to average assets | 0.7079% | 1,842 |
| Noninterest expense to average assets | 3.1605% | 1,125 |
| Loan and lease loss provision to assets | 0.1481% | 2,522 |
| Net operating income to assets | 0.5033% | 4,022 |
| Return on assets (ROA) | 0.6030% | 3,861 |
| Pretax return on assets | 0.7635% | 3,728 |
| Return on Equity (ROE) | 4.2789% | 4,092 |
| Retained earnings to average equity (ytd only) | 4.1694% | 2,731 |
| Net charge-offs to loans | 0.1774% | 944 |
| Credit loss provision to net charge-offs | 124.0310% | 2,606 |
| Earnings coverage of net charge-offs (x) | 6.5762% | 2,769 |
| Efficiency ratio | 80.0954% | 889 |
| Assets per employee ($millions) | 4.4615% | 3,958 |
| Cash dividends to net income (ytd only)* | 2.5589% | 3,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 3,806 |
| Loan loss allowance to noncurrent loans | 146.6045% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 2,192 |
| Noncurrent loans to loans | 0.6933% | 1,953 |
| Net loans and leases to total assets | 64.9574% | 2,235 |
| Net loans and leases to deposits | 77.1554% | 2,160 |
| Net loans and leases to core deposits | 80.3551% | 2,333 |
| Total domestic deposits to total assets | 84.1903% | 3,055 |
| Equity capital to assets | 14.3855% | 705 |
| Core capital (leverage) ratio | 13.9765% | 691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $324,034,800 | 2,168 |
| Average earning assets | $299,326,600 | 2,186 |
| Average equity | $45,666,000 | 1,828 |
| Average total loans | $218,110,400 | 2,116 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8448% | 3,426 |
| Cost of funding earning assets | 0.4124% | 3,750 |
| Net interest margin | 3.4324% | 2,808 |
| Noninterest income to average assets | 0.7967% | 1,509 |
| Noninterest expense to average assets | 3.1391% | 1,170 |
| Loan and lease loss provision to assets | 0.1736% | 2,249 |
| Net operating income to assets | 0.5015% | 4,031 |
| Return on assets (ROA) | 0.6135% | 3,818 |
| Pretax return on assets | 0.7946% | 3,661 |
| Return on Equity (ROE) | 4.3766% | 4,072 |
| Retained earnings to average equity (ytd only) | 4.3766% | 2,858 |
| Net charge-offs to loans | 0.1385% | 1,050 |
| Credit loss provision to net charge-offs | 185.0220% | 2,166 |
| Earnings coverage of net charge-offs (x) | 8.8062% | 2,468 |
| Efficiency ratio | 79.1597% | 926 |
| Assets per employee ($millions) | 4.6901% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 3,472 |
| Loan loss allowance to noncurrent loans | 158.3219% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 2,453 |
| Noncurrent loans to loans | 0.6619% | 2,132 |
| Net loans and leases to total assets | 64.3705% | 2,726 |
| Net loans and leases to deposits | 78.0269% | 2,532 |
| Net loans and leases to core deposits | 81.3466% | 2,717 |
| Total domestic deposits to total assets | 82.4978% | 3,287 |
| Equity capital to assets | 13.7413% | 928 |
| Core capital (leverage) ratio | 13.9358% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $322,505,500 | 2,154 |
| Average earning assets | $297,746,750 | 2,167 |
| Average equity | $45,209,000 | 1,835 |
| Average total loans | $218,473,000 | 2,111 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9336% | 3,523 |
| Cost of funding earning assets | 0.4705% | 3,700 |
| Net interest margin | 3.4631% | 2,910 |
| Noninterest income to average assets | 0.8562% | 1,270 |
| Noninterest expense to average assets | 3.1596% | 1,227 |
| Loan and lease loss provision to assets | 0.2004% | 2,045 |
| Net operating income to assets | 0.5176% | 3,964 |
| Return on assets (ROA) | 0.6848% | 3,551 |
| Pretax return on assets | 0.8984% | 3,316 |
| Return on Equity (ROE) | 4.8515% | 3,866 |
| Retained earnings to average equity (ytd only) | 4.8515% | 2,545 |
| Net charge-offs to loans | 0.1385% | 1,021 |
| Credit loss provision to net charge-offs | 210.5960% | 1,870 |
| Earnings coverage of net charge-offs (x) | 9.3245% | 2,230 |
| Efficiency ratio | 78.0788% | 1,048 |
| Assets per employee ($millions) | 4.4102% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 3,374 |
| Loan loss allowance to noncurrent loans | 133.4115% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 2,312 |
| Noncurrent loans to loans | 0.7784% | 1,941 |
| Net loans and leases to total assets | 64.7092% | 2,794 |
| Net loans and leases to deposits | 80.0515% | 2,418 |
| Net loans and leases to core deposits | 83.8047% | 2,624 |
| Total domestic deposits to total assets | 80.8345% | 3,647 |
| Equity capital to assets | 13.7164% | 923 |
| Core capital (leverage) ratio | 14.2692% | 695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,444,333 | 2,161 |
| Average earning assets | $292,453,000 | 2,173 |
| Average equity | $44,810,667 | 1,832 |
| Average total loans | $218,072,667 | 2,099 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0978% | 3,532 |
| Cost of funding earning assets | 0.5306% | 3,785 |
| Net interest margin | 3.5672% | 2,779 |
| Noninterest income to average assets | 0.6352% | 1,880 |
| Noninterest expense to average assets | 3.2303% | 1,366 |
| Loan and lease loss provision to assets | 0.1361% | 2,022 |
| Net operating income to assets | 0.3898% | 4,158 |
| Return on assets (ROA) | 0.7104% | 3,320 |
| Pretax return on assets | 0.9515% | 2,993 |
| Return on Equity (ROE) | 4.9560% | 3,649 |
| Retained earnings to average equity (ytd only) | 4.9560% | 2,292 |
| Net charge-offs to loans | 0.1250% | 958 |
| Credit loss provision to net charge-offs | 154.4118% | 1,571 |
| Earnings coverage of net charge-offs (x) | 7.7353% | 1,900 |
| Efficiency ratio | 82.5712% | 934 |
| Assets per employee ($millions) | 4.0757% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 3,772 |
| Loan loss allowance to noncurrent loans | 124.2617% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 2,258 |
| Noncurrent loans to loans | 0.7949% | 2,020 |
| Net loans and leases to total assets | 69.4439% | 2,329 |
| Net loans and leases to deposits | 89.6532% | 1,552 |
| Net loans and leases to core deposits | 93.8520% | 1,993 |
| Total domestic deposits to total assets | 77.4584% | 4,302 |
| Equity capital to assets | 14.3131% | 959 |
| Core capital (leverage) ratio | 14.7655% | 724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5460% | 470 |
| Memoranda: | ||
| Average total assets | $308,579,000 | 2,154 |
| Average earning assets | $283,471,500 | 2,179 |
| Average equity | $44,229,000 | 1,837 |
| Average total loans | $217,526,500 | 2,060 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 3,715 |
| Cost of funding earning assets | 0.5871% | 3,689 |
| Net interest margin | 3.6503% | 2,965 |
| Noninterest income to average assets | 0.6680% | 1,935 |
| Noninterest expense to average assets | 3.2484% | 1,412 |
| Loan and lease loss provision to assets | 0.1073% | 1,940 |
| Net operating income to assets | 0.5363% | 4,320 |
| Return on assets (ROA) | 0.5450% | 4,362 |
| Pretax return on assets | 0.6693% | 4,280 |
| Return on Equity (ROE) | 3.9246% | 4,478 |
| Retained earnings to average equity (ytd only) | 3.9246% | 3,004 |
| Net charge-offs to loans | 0.2102% | 976 |
| Credit loss provision to net charge-offs | 74.1573% | 2,863 |
| Earnings coverage of net charge-offs (x) | 5.2921% | 3,108 |
| Efficiency ratio | 80.9219% | 872 |
| Assets per employee ($millions) | 3.9923% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 3,658 |
| Loan loss allowance to noncurrent loans | 132.1429% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.5420% | 2,267 |
| Noncurrent loans to loans | 0.7328% | 2,049 |
| Net loans and leases to total assets | 70.1658% | 2,376 |
| Net loans and leases to deposits | 91.6747% | 1,408 |
| Net loans and leases to core deposits | 95.8138% | 1,916 |
| Total domestic deposits to total assets | 76.5379% | 4,540 |
| Equity capital to assets | 14.3533% | 983 |
| Core capital (leverage) ratio | 14.5044% | 799 |
| Tier 1 risk-based capital ratio | 23.3643% | 880 |
| Total risk-based capital ratio | 24.4928% | 875 |
| Memoranda: | ||
| Average total assets | $307,507,200 | 2,122 |
| Average earning assets | $281,894,600 | 2,131 |
| Average equity | $42,704,600 | 1,825 |
| Average total loans | $211,676,800 | 2,074 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2311% | 3,854 |
| Cost of funding earning assets | 0.5910% | 3,738 |
| Net interest margin | 3.6401% | 3,130 |
| Noninterest income to average assets | 0.6633% | 1,935 |
| Noninterest expense to average assets | 3.1679% | 1,531 |
| Loan and lease loss provision to assets | 0.0941% | 2,028 |
| Net operating income to assets | 0.5941% | 4,312 |
| Return on assets (ROA) | 0.6152% | 4,304 |
| Pretax return on assets | 0.7626% | 4,207 |
| Return on Equity (ROE) | 4.4674% | 4,486 |
| Retained earnings to average equity (ytd only) | 4.4674% | 3,162 |
| Net charge-offs to loans | 0.2595% | 677 |
| Credit loss provision to net charge-offs | 53.0562% | 2,762 |
| Earnings coverage of net charge-offs (x) | 4.6846% | 2,985 |
| Efficiency ratio | 79.2258% | 991 |
| Assets per employee ($millions) | 4.1205% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9675% | 3,748 |
| Loan loss allowance to noncurrent loans | 150.7418% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 2,708 |
| Noncurrent loans to loans | 0.6418% | 2,362 |
| Net loans and leases to total assets | 66.4206% | 3,000 |
| Net loans and leases to deposits | 84.3366% | 2,416 |
| Net loans and leases to core deposits | 89.8276% | 2,556 |
| Total domestic deposits to total assets | 78.7565% | 4,223 |
| Equity capital to assets | 14.0587% | 1,130 |
| Core capital (leverage) ratio | 14.2731% | 912 |
| Tier 1 risk-based capital ratio | 23.5720% | 889 |
| Total risk-based capital ratio | 24.6776% | 885 |
| Memoranda: | ||
| Average total assets | $307,532,500 | 2,141 |
| Average earning assets | $281,779,000 | 2,153 |
| Average equity | $42,350,000 | 1,851 |
| Average total loans | $210,145,250 | 2,100 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2262% | 3,855 |
| Cost of funding earning assets | 0.5831% | 3,735 |
| Net interest margin | 3.6431% | 3,120 |
| Noninterest income to average assets | 0.6458% | 1,942 |
| Noninterest expense to average assets | 3.2016% | 1,503 |
| Loan and lease loss provision to assets | 0.1060% | 1,766 |
| Net operating income to assets | 0.5523% | 4,418 |
| Return on assets (ROA) | 0.5647% | 4,427 |
| Pretax return on assets | 0.6851% | 4,364 |
| Return on Equity (ROE) | 4.1300% | 4,551 |
| Retained earnings to average equity (ytd only) | 4.1300% | 3,180 |
| Net charge-offs to loans | 0.1856% | 890 |
| Credit loss provision to net charge-offs | 83.0769% | 2,197 |
| Earnings coverage of net charge-offs (x) | 6.0821% | 2,599 |
| Efficiency ratio | 80.4902% | 928 |
| Assets per employee ($millions) | 4.3544% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 3,373 |
| Loan loss allowance to noncurrent loans | 170.2955% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.4102% | 2,868 |
| Noncurrent loans to loans | 0.6125% | 2,426 |
| Net loans and leases to total assets | 66.2704% | 3,072 |
| Net loans and leases to deposits | 85.4359% | 2,322 |
| Net loans and leases to core deposits | 90.6959% | 2,543 |
| Total domestic deposits to total assets | 77.5674% | 4,469 |
| Equity capital to assets | 13.7272% | 1,229 |
| Core capital (leverage) ratio | 14.4813% | 826 |
| Tier 1 risk-based capital ratio | 23.4609% | 901 |
| Total risk-based capital ratio | 24.6600% | 886 |
| Memoranda: | ||
| Average total assets | $305,657,000 | 2,154 |
| Average earning assets | $279,542,670 | 2,171 |
| Average equity | $41,791,330 | 1,865 |
| Average total loans | $210,182,330 | 2,110 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2349% | 3,763 |
| Cost of funding earning assets | 0.5706% | 3,727 |
| Net interest margin | 3.6643% | 3,028 |
| Noninterest income to average assets | 0.6377% | 1,873 |
| Noninterest expense to average assets | 3.1552% | 1,605 |
| Loan and lease loss provision to assets | 0.1074% | 1,655 |
| Net operating income to assets | 0.5851% | 4,284 |
| Return on assets (ROA) | 0.5926% | 4,300 |
| Pretax return on assets | 0.7305% | 4,224 |
| Return on Equity (ROE) | 4.3431% | 4,506 |
| Retained earnings to average equity (ytd only) | 4.3431% | 3,186 |
| Net charge-offs to loans | 0.2416% | 601 |
| Credit loss provision to net charge-offs | 63.7795% | 1,891 |
| Earnings coverage of net charge-offs (x) | 4.9213% | 2,297 |
| Efficiency ratio | 79.2013% | 1,135 |
| Assets per employee ($millions) | 4.2864% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 3,476 |
| Loan loss allowance to noncurrent loans | 138.3736% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 2,559 |
| Noncurrent loans to loans | 0.7508% | 2,154 |
| Net loans and leases to total assets | 68.1692% | 2,739 |
| Net loans and leases to deposits | 87.7756% | 1,903 |
| Net loans and leases to core deposits | 92.0135% | 2,294 |
| Total domestic deposits to total assets | 77.6630% | 4,569 |
| Equity capital to assets | 13.6679% | 1,143 |
| Core capital (leverage) ratio | 14.5527% | 800 |
| Tier 1 risk-based capital ratio | 23.9674% | 845 |
| Total risk-based capital ratio | 25.1970% | 827 |
| Memoranda: | ||
| Average total assets | $301,727,000 | 2,192 |
| Average earning assets | $275,522,000 | 2,205 |
| Average equity | $41,168,500 | 1,886 |
| Average total loans | $210,294,000 | 2,132 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1599% | 3,553 |
| Cost of funding earning assets | 0.4755% | 3,510 |
| Net interest margin | 3.6844% | 3,098 |
| Noninterest income to average assets | 0.7069% | 1,830 |
| Noninterest expense to average assets | 3.1594% | 1,648 |
| Loan and lease loss provision to assets | 0.1056% | 2,085 |
| Net operating income to assets | 0.6535% | 4,272 |
| Return on assets (ROA) | 0.6605% | 4,265 |
| Pretax return on assets | 0.7974% | 4,173 |
| Return on Equity (ROE) | 4.9287% | 4,469 |
| Retained earnings to average equity (ytd only) | 4.9287% | 2,803 |
| Net charge-offs to loans | 0.1688% | 1,140 |
| Credit loss provision to net charge-offs | 89.7727% | 2,722 |
| Earnings coverage of net charge-offs (x) | 7.6080% | 2,974 |
| Efficiency ratio | 77.9316% | 1,136 |
| Assets per employee ($millions) | 3.8853% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 3,352 |
| Loan loss allowance to noncurrent loans | 128.2584% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 2,305 |
| Noncurrent loans to loans | 0.8220% | 1,962 |
| Net loans and leases to total assets | 69.7684% | 2,599 |
| Net loans and leases to deposits | 90.5437% | 1,727 |
| Net loans and leases to core deposits | 94.4696% | 2,190 |
| Total domestic deposits to total assets | 77.0550% | 4,625 |
| Equity capital to assets | 13.6242% | 1,097 |
| Core capital (leverage) ratio | 13.8775% | 957 |
| Tier 1 risk-based capital ratio | 22.4610% | 973 |
| Total risk-based capital ratio | 23.6887% | 948 |
| Memoranda: | ||
| Average total assets | $299,332,600 | 2,162 |
| Average earning assets | $271,931,600 | 2,185 |
| Average equity | $40,112,200 | 1,852 |
| Average total loans | $208,553,400 | 2,108 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 3,577 |
| Cost of funding earning assets | 0.4623% | 3,443 |
| Net interest margin | 3.6541% | 3,187 |
| Noninterest income to average assets | 0.7014% | 1,855 |
| Noninterest expense to average assets | 3.1826% | 1,563 |
| Loan and lease loss provision to assets | 0.1033% | 1,942 |
| Net operating income to assets | 0.5992% | 4,502 |
| Return on assets (ROA) | 0.6084% | 4,492 |
| Pretax return on assets | 0.7464% | 4,435 |
| Return on Equity (ROE) | 4.5589% | 4,682 |
| Retained earnings to average equity (ytd only) | 4.5589% | 3,473 |
| Net charge-offs to loans | 0.1782% | 935 |
| Credit loss provision to net charge-offs | 83.4532% | 2,490 |
| Earnings coverage of net charge-offs (x) | 6.7733% | 2,852 |
| Efficiency ratio | 79.1450% | 1,020 |
| Assets per employee ($millions) | 3.8387% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 3,410 |
| Loan loss allowance to noncurrent loans | 107.1671% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.6813% | 2,155 |
| Noncurrent loans to loans | 0.9899% | 1,723 |
| Net loans and leases to total assets | 68.0623% | 2,926 |
| Net loans and leases to deposits | 87.8042% | 2,176 |
| Net loans and leases to core deposits | 91.7510% | 2,503 |
| Total domestic deposits to total assets | 77.5160% | 4,564 |
| Equity capital to assets | 13.2525% | 1,231 |
| Core capital (leverage) ratio | 13.5061% | 1,102 |
| Tier 1 risk-based capital ratio | 22.2590% | 1,021 |
| Total risk-based capital ratio | 23.5002% | 1,000 |
| Memoranda: | ||
| Average total assets | $299,374,000 | 2,169 |
| Average earning assets | $271,980,750 | 2,193 |
| Average equity | $39,950,500 | 1,858 |
| Average total loans | $207,954,750 | 2,118 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0692% | 3,554 |
| Cost of funding earning assets | 0.4475% | 3,375 |
| Net interest margin | 3.6217% | 3,229 |
| Noninterest income to average assets | 0.6844% | 1,934 |
| Noninterest expense to average assets | 3.1924% | 1,549 |
| Loan and lease loss provision to assets | 0.1342% | 1,469 |
| Net operating income to assets | 0.5337% | 4,669 |
| Return on assets (ROA) | 0.5475% | 4,636 |
| Pretax return on assets | 0.6649% | 4,603 |
| Return on Equity (ROE) | 4.0932% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.0932% | 3,560 |
| Net charge-offs to loans | 0.1829% | 858 |
| Credit loss provision to net charge-offs | 105.2632% | 1,945 |
| Earnings coverage of net charge-offs (x) | 6.1368% | 2,653 |
| Efficiency ratio | 80.3174% | 979 |
| Assets per employee ($millions) | 3.8882% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 3,422 |
| Loan loss allowance to noncurrent loans | 134.4991% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 2,561 |
| Noncurrent loans to loans | 0.7971% | 2,137 |
| Net loans and leases to total assets | 69.0365% | 2,718 |
| Net loans and leases to deposits | 88.8450% | 2,006 |
| Net loans and leases to core deposits | 93.2179% | 2,291 |
| Total domestic deposits to total assets | 77.7044% | 4,635 |
| Equity capital to assets | 13.1647% | 1,238 |
| Core capital (leverage) ratio | 13.4873% | 1,068 |
| Tier 1 risk-based capital ratio | 22.1202% | 1,023 |
| Total risk-based capital ratio | 23.3705% | 1,007 |
| Memoranda: | ||
| Average total assets | $298,080,000 | 2,187 |
| Average earning assets | $270,812,670 | 2,203 |
| Average equity | $39,871,000 | 1,865 |
| Average total loans | $207,734,330 | 2,123 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0396% | 3,467 |
| Cost of funding earning assets | 0.4336% | 3,340 |
| Net interest margin | 3.6060% | 3,156 |
| Noninterest income to average assets | 0.6579% | 2,004 |
| Noninterest expense to average assets | 3.1312% | 1,738 |
| Loan and lease loss provision to assets | 0.1624% | 1,111 |
| Net operating income to assets | 0.5246% | 4,635 |
| Return on assets (ROA) | 0.5523% | 4,568 |
| Pretax return on assets | 0.6742% | 4,506 |
| Return on Equity (ROE) | 4.0960% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.0960% | 3,565 |
| Net charge-offs to loans | 0.1438% | 952 |
| Credit loss provision to net charge-offs | 162.1622% | 1,182 |
| Earnings coverage of net charge-offs (x) | 8.0135% | 2,054 |
| Efficiency ratio | 79.5939% | 1,189 |
| Assets per employee ($millions) | 3.9522% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 3,271 |
| Loan loss allowance to noncurrent loans | 157.5530% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 2,881 |
| Noncurrent loans to loans | 0.7103% | 2,436 |
| Net loans and leases to total assets | 68.7116% | 2,671 |
| Net loans and leases to deposits | 90.7309% | 1,598 |
| Net loans and leases to core deposits | 95.6597% | 2,002 |
| Total domestic deposits to total assets | 75.7312% | 4,989 |
| Equity capital to assets | 13.3952% | 1,075 |
| Core capital (leverage) ratio | 13.6002% | 980 |
| Tier 1 risk-based capital ratio | 21.7280% | 1,095 |
| Total risk-based capital ratio | 22.9786% | 1,065 |
| Memoranda: | ||
| Average total assets | $295,480,000 | 2,215 |
| Average earning assets | $268,442,000 | 2,245 |
| Average equity | $39,843,500 | 1,873 |
| Average total loans | $205,780,000 | 2,153 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 3,413 |
| Cost of funding earning assets | 0.3930% | 3,310 |
| Net interest margin | 3.6032% | 3,152 |
| Noninterest income to average assets | 0.6818% | 2,043 |
| Noninterest expense to average assets | 3.1458% | 1,728 |
| Loan and lease loss provision to assets | 0.1350% | 1,702 |
| Net operating income to assets | 0.3194% | 4,898 |
| Return on assets (ROA) | 0.3568% | 4,833 |
| Pretax return on assets | 0.7184% | 4,466 |
| Return on Equity (ROE) | 2.6112% | 4,925 |
| Retained earnings to average equity (ytd only) | 2.6112% | 3,757 |
| Net charge-offs to loans | 0.1079% | 1,994 |
| Credit loss provision to net charge-offs | 180.5556% | 1,501 |
| Earnings coverage of net charge-offs (x) | 10.6343% | 2,656 |
| Efficiency ratio | 79.8279% | 1,121 |
| Assets per employee ($millions) | 3.8756% | 4,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 3,363 |
| Loan loss allowance to noncurrent loans | 136.3307% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 2,669 |
| Noncurrent loans to loans | 0.8060% | 2,197 |
| Net loans and leases to total assets | 69.0301% | 2,680 |
| Net loans and leases to deposits | 91.6395% | 1,576 |
| Net loans and leases to core deposits | 96.4682% | 1,986 |
| Total domestic deposits to total assets | 75.3279% | 5,050 |
| Equity capital to assets | 13.5870% | 1,027 |
| Core capital (leverage) ratio | 13.4801% | 971 |
| Tier 1 risk-based capital ratio | 21.3862% | 1,081 |
| Total risk-based capital ratio | 22.6373% | 1,063 |
| Memoranda: | ||
| Average total assets | $288,959,400 | 2,229 |
| Average earning assets | $261,351,000 | 2,271 |
| Average equity | $39,484,000 | 1,878 |
| Average total loans | $200,208,800 | 2,154 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9812% | 3,414 |
| Cost of funding earning assets | 0.3802% | 3,373 |
| Net interest margin | 3.6010% | 3,144 |
| Noninterest income to average assets | 0.7094% | 1,962 |
| Noninterest expense to average assets | 3.1811% | 1,601 |
| Loan and lease loss provision to assets | 0.1159% | 1,864 |
| Net operating income to assets | 0.4633% | 4,841 |
| Return on assets (ROA) | 0.5123% | 4,728 |
| Pretax return on assets | 0.7363% | 4,521 |
| Return on Equity (ROE) | 3.7441% | 4,933 |
| Retained earnings to average equity (ytd only) | 3.7441% | 3,695 |
| Net charge-offs to loans | 0.0878% | 1,918 |
| Credit loss provision to net charge-offs | 190.8397% | 1,392 |
| Earnings coverage of net charge-offs (x) | 12.8780% | 2,394 |
| Efficiency ratio | 80.2644% | 1,071 |
| Assets per employee ($millions) | 3.8168% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 3,475 |
| Loan loss allowance to noncurrent loans | 127.6042% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.5900% | 2,742 |
| Noncurrent loans to loans | 0.8629% | 2,212 |
| Net loans and leases to total assets | 67.3865% | 2,940 |
| Net loans and leases to deposits | 89.5861% | 1,858 |
| Net loans and leases to core deposits | 93.8425% | 2,284 |
| Total domestic deposits to total assets | 75.2199% | 5,106 |
| Equity capital to assets | 13.6150% | 1,116 |
| Core capital (leverage) ratio | 13.6842% | 971 |
| Tier 1 risk-based capital ratio | 21.4948% | 1,117 |
| Total risk-based capital ratio | 22.7261% | 1,098 |
| Memoranda: | ||
| Average total assets | $287,562,500 | 2,253 |
| Average earning assets | $259,847,750 | 2,299 |
| Average equity | $39,350,000 | 1,899 |
| Average total loans | $198,864,750 | 2,169 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9700% | 3,318 |
| Cost of funding earning assets | 0.3663% | 3,417 |
| Net interest margin | 3.6038% | 3,020 |
| Noninterest income to average assets | 0.7259% | 1,884 |
| Noninterest expense to average assets | 3.2706% | 1,426 |
| Loan and lease loss provision to assets | 0.1121% | 1,830 |
| Net operating income to assets | 0.4117% | 4,956 |
| Return on assets (ROA) | 0.4533% | 4,872 |
| Pretax return on assets | 0.6572% | 4,666 |
| Return on Equity (ROE) | 3.3070% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.3070% | 3,748 |
| Net charge-offs to loans | 0.0746% | 1,873 |
| Credit loss provision to net charge-offs | 216.2162% | 1,201 |
| Earnings coverage of net charge-offs (x) | 13.6757% | 2,117 |
| Efficiency ratio | 82.1831% | 987 |
| Assets per employee ($millions) | 3.9136% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 3,616 |
| Loan loss allowance to noncurrent loans | 118.6987% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.6336% | 2,658 |
| Noncurrent loans to loans | 0.9221% | 2,127 |
| Net loans and leases to total assets | 67.7395% | 2,851 |
| Net loans and leases to deposits | 89.0270% | 1,861 |
| Net loans and leases to core deposits | 93.8453% | 2,166 |
| Total domestic deposits to total assets | 76.0887% | 5,082 |
| Equity capital to assets | 13.6733% | 1,079 |
| Core capital (leverage) ratio | 13.7248% | 936 |
| Tier 1 risk-based capital ratio | 21.8714% | 1,067 |
| Total risk-based capital ratio | 23.1188% | 1,048 |
| Memoranda: | ||
| Average total assets | $285,451,000 | 2,276 |
| Average earning assets | $257,730,000 | 2,321 |
| Average equity | $39,128,670 | 1,909 |
| Average total loans | $198,402,330 | 2,180 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9412% | 3,236 |
| Cost of funding earning assets | 0.3601% | 3,415 |
| Net interest margin | 3.5811% | 2,961 |
| Noninterest income to average assets | 0.6917% | 2,008 |
| Noninterest expense to average assets | 3.2523% | 1,472 |
| Loan and lease loss provision to assets | 0.1270% | 1,519 |
| Net operating income to assets | 0.3692% | 5,026 |
| Return on assets (ROA) | 0.3797% | 5,028 |
| Pretax return on assets | 0.5562% | 4,827 |
| Return on Equity (ROE) | 2.7665% | 5,159 |
| Retained earnings to average equity (ytd only) | 2.7665% | 4,023 |
| Net charge-offs to loans | 0.0484% | 1,885 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 19.7083% | 1,516 |
| Efficiency ratio | 82.9672% | 1,065 |
| Assets per employee ($millions) | 3.8435% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 3,821 |
| Loan loss allowance to noncurrent loans | 141.2344% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.5376% | 3,078 |
| Noncurrent loans to loans | 0.7651% | 2,568 |
| Net loans and leases to total assets | 69.2300% | 2,501 |
| Net loans and leases to deposits | 91.1209% | 1,416 |
| Net loans and leases to core deposits | 95.7653% | 1,831 |
| Total domestic deposits to total assets | 75.9760% | 5,230 |
| Equity capital to assets | 13.7392% | 992 |
| Core capital (leverage) ratio | 13.1763% | 1,073 |
| Tier 1 risk-based capital ratio | 20.0543% | 1,379 |
| Total risk-based capital ratio | 21.2535% | 1,358 |
| Memoranda: | ||
| Average total assets | $283,372,500 | 2,300 |
| Average earning assets | $255,453,000 | 2,350 |
| Average equity | $38,893,500 | 1,927 |
| Average total loans | $198,428,500 | 2,195 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 3,431 |
| Cost of funding earning assets | 0.4692% | 2,360 |
| Net interest margin | 3.4679% | 3,553 |
| Noninterest income to average assets | 0.7360% | 2,014 |
| Noninterest expense to average assets | 3.2649% | 1,653 |
| Loan and lease loss provision to assets | 0.2042% | 1,116 |
| Net operating income to assets | 0.2843% | 5,251 |
| Return on assets (ROA) | 0.3983% | 5,031 |
| Pretax return on assets | 0.5339% | 4,959 |
| Return on Equity (ROE) | 2.9005% | 5,186 |
| Retained earnings to average equity (ytd only) | 2.9005% | 3,834 |
| Net charge-offs to loans | 0.0591% | 2,864 |
| Credit loss provision to net charge-offs | 511.8182% | 646 |
| Earnings coverage of net charge-offs (x) | 14.6909% | 2,270 |
| Efficiency ratio | 84.7791% | 933 |
| Assets per employee ($millions) | 3.8152% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 3,985 |
| Loan loss allowance to noncurrent loans | 176.3959% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.4208% | 3,590 |
| Noncurrent loans to loans | 0.5976% | 3,060 |
| Net loans and leases to total assets | 69.3233% | 2,576 |
| Net loans and leases to deposits | 89.4862% | 1,740 |
| Net loans and leases to core deposits | 93.3586% | 2,174 |
| Total domestic deposits to total assets | 77.4682% | 5,050 |
| Equity capital to assets | 13.7111% | 980 |
| Core capital (leverage) ratio | 14.4261% | 712 |
| Tier 1 risk-based capital ratio | 22.3998% | 1,031 |
| Total risk-based capital ratio | 23.5882% | 1,017 |
| Memoranda: | ||
| Average total assets | $275,686,800 | 2,313 |
| Average earning assets | $247,641,800 | 2,378 |
| Average equity | $37,855,200 | 1,932 |
| Average total loans | $186,277,400 | 2,246 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 3,638 |
| Cost of funding earning assets | 0.4896% | 2,175 |
| Net interest margin | 3.3943% | 3,864 |
| Noninterest income to average assets | 0.7347% | 2,024 |
| Noninterest expense to average assets | 3.3125% | 1,534 |
| Loan and lease loss provision to assets | 0.0900% | 2,427 |
| Net operating income to assets | 0.2770% | 5,327 |
| Return on assets (ROA) | 0.4287% | 5,019 |
| Pretax return on assets | 0.5921% | 4,901 |
| Return on Equity (ROE) | 3.1206% | 5,191 |
| Retained earnings to average equity (ytd only) | 3.1206% | 4,047 |
| Net charge-offs to loans | 0.0473% | 2,699 |
| Credit loss provision to net charge-offs | 284.6154% | 1,084 |
| Earnings coverage of net charge-offs (x) | 14.9085% | 2,217 |
| Efficiency ratio | 87.5402% | 704 |
| Assets per employee ($millions) | 3.8344% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 4,817 |
| Loan loss allowance to noncurrent loans | 142.0925% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 3,218 |
| Noncurrent loans to loans | 0.6463% | 3,085 |
| Net loans and leases to total assets | 67.5350% | 2,866 |
| Net loans and leases to deposits | 87.1921% | 2,119 |
| Net loans and leases to core deposits | 90.9391% | 2,482 |
| Total domestic deposits to total assets | 77.4554% | 5,005 |
| Equity capital to assets | 13.6749% | 1,172 |
| Core capital (leverage) ratio | 14.1645% | 805 |
| Tier 1 risk-based capital ratio | 22.6117% | 1,051 |
| Total risk-based capital ratio | 23.6427% | 1,059 |
| Memoranda: | ||
| Average total assets | $274,027,250 | 2,338 |
| Average earning assets | $246,168,250 | 2,399 |
| Average equity | $37,641,500 | 1,956 |
| Average total loans | $183,396,250 | 2,283 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8837% | 3,650 |
| Cost of funding earning assets | 0.5188% | 1,948 |
| Net interest margin | 3.3650% | 4,008 |
| Noninterest income to average assets | 0.7256% | 2,028 |
| Noninterest expense to average assets | 3.3771% | 1,416 |
| Loan and lease loss provision to assets | 0.0992% | 2,178 |
| Net operating income to assets | 0.2232% | 5,485 |
| Return on assets (ROA) | 0.4572% | 4,934 |
| Pretax return on assets | 0.5462% | 5,034 |
| Return on Equity (ROE) | 3.3236% | 5,155 |
| Retained earnings to average equity (ytd only) | 3.3236% | 3,787 |
| Net charge-offs to loans | 0.0475% | 2,533 |
| Credit loss provision to net charge-offs | 313.9535% | 931 |
| Earnings coverage of net charge-offs (x) | 11.6047% | 2,246 |
| Efficiency ratio | 90.2022% | 595 |
| Assets per employee ($millions) | 3.8217% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 4,863 |
| Loan loss allowance to noncurrent loans | 196.8037% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 3,738 |
| Noncurrent loans to loans | 0.4709% | 3,673 |
| Net loans and leases to total assets | 66.0697% | 3,070 |
| Net loans and leases to deposits | 87.2580% | 2,101 |
| Net loans and leases to core deposits | 90.6044% | 2,477 |
| Total domestic deposits to total assets | 75.7177% | 5,321 |
| Equity capital to assets | 13.6328% | 1,168 |
| Core capital (leverage) ratio | 14.2632% | 756 |
| Tier 1 risk-based capital ratio | 22.0436% | 1,132 |
| Total risk-based capital ratio | 23.0400% | 1,144 |
| Memoranda: | ||
| Average total assets | $272,067,000 | 2,362 |
| Average earning assets | $244,043,330 | 2,428 |
| Average equity | $37,429,670 | 1,968 |
| Average total loans | $180,932,330 | 2,306 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8750% | 3,681 |
| Cost of funding earning assets | 0.5176% | 1,965 |
| Net interest margin | 3.3575% | 4,014 |
| Noninterest income to average assets | 0.6999% | 2,045 |
| Noninterest expense to average assets | 3.4831% | 1,213 |
| Loan and lease loss provision to assets | 0.1266% | 1,675 |
| Net operating income to assets | 0.0831% | 5,707 |
| Return on assets (ROA) | 0.3142% | 5,347 |
| Pretax return on assets | 0.3931% | 5,325 |
| Return on Equity (ROE) | 2.2732% | 5,442 |
| Retained earnings to average equity (ytd only) | 2.2732% | 4,352 |
| Net charge-offs to loans | 0.0673% | 1,815 |
| Credit loss provision to net charge-offs | 283.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 5.1667% | 2,354 |
| Efficiency ratio | 93.7851% | 462 |
| Assets per employee ($millions) | 3.5898% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9293% | 4,954 |
| Loan loss allowance to noncurrent loans | 128.7786% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6114% | 3,236 |
| Noncurrent loans to loans | 0.7216% | 3,035 |
| Net loans and leases to total assets | 65.9194% | 2,965 |
| Net loans and leases to deposits | 89.5955% | 1,622 |
| Net loans and leases to core deposits | 93.1063% | 2,078 |
| Total domestic deposits to total assets | 73.5745% | 5,652 |
| Equity capital to assets | 13.7061% | 1,086 |
| Core capital (leverage) ratio | 14.4366% | 708 |
| Tier 1 risk-based capital ratio | 20.5052% | 1,403 |
| Total risk-based capital ratio | 21.4284% | 1,439 |
| Memoranda: | ||
| Average total assets | $268,610,000 | 2,400 |
| Average earning assets | $241,133,500 | 2,457 |
| Average equity | $37,128,000 | 1,976 |
| Average total loans | $178,375,500 | 2,328 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8896% | 3,741 |
| Cost of funding earning assets | 0.5087% | 2,085 |
| Net interest margin | 3.3809% | 3,981 |
| Noninterest income to average assets | 0.7544% | 1,960 |
| Noninterest expense to average assets | 3.6168% | 1,100 |
| Loan and lease loss provision to assets | 0.1110% | 2,142 |
| Net operating income to assets | 0.0403% | 5,827 |
| Return on assets (ROA) | 0.2492% | 5,553 |
| Pretax return on assets | 0.2465% | 5,617 |
| Return on Equity (ROE) | 1.7631% | 5,633 |
| Retained earnings to average equity (ytd only) | 1.7631% | 4,727 |
| Net charge-offs to loans | 0.0470% | 3,276 |
| Credit loss provision to net charge-offs | 370.5128% | 805 |
| Earnings coverage of net charge-offs (x) | 4.9615% | 3,461 |
| Efficiency ratio | 96.0542% | 394 |
| Assets per employee ($millions) | 3.6218% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 4,963 |
| Loan loss allowance to noncurrent loans | 173.6170% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4970% | 3,645 |
| Noncurrent loans to loans | 0.5365% | 3,555 |
| Net loans and leases to total assets | 65.6545% | 3,033 |
| Net loans and leases to deposits | 87.6799% | 1,920 |
| Net loans and leases to core deposits | 91.3947% | 2,282 |
| Total domestic deposits to total assets | 74.8798% | 5,562 |
| Equity capital to assets | 13.9421% | 954 |
| Core capital (leverage) ratio | 14.8374% | 646 |
| Tier 1 risk-based capital ratio | 22.2689% | 1,111 |
| Total risk-based capital ratio | 23.2344% | 1,130 |
| Memoranda: | ||
| Average total assets | $260,475,800 | 2,419 |
| Average earning assets | $231,979,400 | 2,495 |
| Average equity | $36,809,600 | 1,942 |
| Average total loans | $165,958,200 | 2,392 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8626% | 3,883 |
| Cost of funding earning assets | 0.5098% | 2,123 |
| Net interest margin | 3.3528% | 4,131 |
| Noninterest income to average assets | 0.7651% | 1,958 |
| Noninterest expense to average assets | 3.6896% | 990 |
| Loan and lease loss provision to assets | 0.1202% | 1,891 |
| Net operating income to assets | -0.0303% | 5,959 |
| Return on assets (ROA) | 0.1958% | 5,748 |
| Pretax return on assets | 0.1618% | 5,835 |
| Return on Equity (ROE) | 1.3805% | 5,801 |
| Retained earnings to average equity (ytd only) | 1.3805% | 5,172 |
| Net charge-offs to loans | 0.0595% | 2,755 |
| Credit loss provision to net charge-offs | 320.5479% | 910 |
| Earnings coverage of net charge-offs (x) | 1.4932% | 3,822 |
| Efficiency ratio | 98.5048% | 338 |
| Assets per employee ($millions) | 3.5515% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9177% | 5,135 |
| Loan loss allowance to noncurrent loans | 146.2326% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 3,632 |
| Noncurrent loans to loans | 0.6276% | 3,437 |
| Net loans and leases to total assets | 65.4625% | 3,089 |
| Net loans and leases to deposits | 86.1191% | 2,127 |
| Net loans and leases to core deposits | 89.8346% | 2,484 |
| Total domestic deposits to total assets | 76.0139% | 5,480 |
| Equity capital to assets | 14.2026% | 944 |
| Core capital (leverage) ratio | 14.8047% | 680 |
| Tier 1 risk-based capital ratio | 19.3829% | 1,690 |
| Total risk-based capital ratio | 20.1999% | 1,757 |
| Memoranda: | ||
| Average total assets | $259,496,500 | 2,445 |
| Average earning assets | $230,686,750 | 2,524 |
| Average equity | $36,796,500 | 1,956 |
| Average total loans | $163,643,250 | 2,438 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 3,826 |
| Cost of funding earning assets | 0.5130% | 2,135 |
| Net interest margin | 3.3473% | 4,114 |
| Noninterest income to average assets | 0.7481% | 2,001 |
| Noninterest expense to average assets | 3.6752% | 1,019 |
| Loan and lease loss provision to assets | 0.1225% | 1,801 |
| Net operating income to assets | -0.0532% | 6,028 |
| Return on assets (ROA) | 0.2335% | 5,694 |
| Pretax return on assets | 0.2080% | 5,804 |
| Return on Equity (ROE) | 1.6473% | 5,766 |
| Retained earnings to average equity (ytd only) | 1.6473% | 4,878 |
| Net charge-offs to loans | 0.0981% | 2,032 |
| Credit loss provision to net charge-offs | 201.2658% | 1,220 |
| Earnings coverage of net charge-offs (x) | 0.7215% | 3,631 |
| Efficiency ratio | 98.8191% | 355 |
| Assets per employee ($millions) | 3.5615% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 5,268 |
| Loan loss allowance to noncurrent loans | 153.7910% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.5196% | 3,880 |
| Noncurrent loans to loans | 0.5917% | 3,687 |
| Net loans and leases to total assets | 62.8704% | 3,429 |
| Net loans and leases to deposits | 82.4159% | 2,505 |
| Net loans and leases to core deposits | 86.0025% | 2,766 |
| Total domestic deposits to total assets | 76.2843% | 5,564 |
| Equity capital to assets | 14.0850% | 959 |
| Core capital (leverage) ratio | 14.9201% | 627 |
| Tier 1 risk-based capital ratio | 19.9563% | 1,557 |
| Total risk-based capital ratio | 20.7644% | 1,629 |
| Memoranda: | ||
| Average total assets | $259,574,330 | 2,458 |
| Average earning assets | $230,394,670 | 2,540 |
| Average equity | $36,788,000 | 1,958 |
| Average total loans | $161,093,670 | 2,473 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7895% | 4,054 |
| Cost of funding earning assets | 0.5190% | 2,119 |
| Net interest margin | 3.2706% | 4,343 |
| Noninterest income to average assets | 0.7434% | 1,947 |
| Noninterest expense to average assets | 3.6196% | 1,117 |
| Loan and lease loss provision to assets | 0.1450% | 1,407 |
| Net operating income to assets | -0.0401% | 6,051 |
| Return on assets (ROA) | 0.3007% | 5,514 |
| Pretax return on assets | 0.2159% | 5,806 |
| Return on Equity (ROE) | 2.1154% | 5,664 |
| Retained earnings to average equity (ytd only) | 2.1154% | 4,620 |
| Net charge-offs to loans | 0.1156% | 1,595 |
| Credit loss provision to net charge-offs | 204.3478% | 1,030 |
| Earnings coverage of net charge-offs (x) | 0.2826% | 3,074 |
| Efficiency ratio | 99.4492% | 381 |
| Assets per employee ($millions) | 3.4794% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 5,369 |
| Loan loss allowance to noncurrent loans | 114.7656% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.8727% | 2,892 |
| Noncurrent loans to loans | 0.8025% | 3,236 |
| Net loans and leases to total assets | 61.3775% | 3,467 |
| Net loans and leases to deposits | 80.4110% | 2,520 |
| Net loans and leases to core deposits | 83.7233% | 2,806 |
| Total domestic deposits to total assets | 76.3296% | 5,700 |
| Equity capital to assets | 14.4038% | 858 |
| Core capital (leverage) ratio | 14.5234% | 687 |
| Tier 1 risk-based capital ratio | 19.1004% | 1,843 |
| Total risk-based capital ratio | 19.8805% | 1,919 |
| Memoranda: | ||
| Average total assets | $259,365,500 | 2,475 |
| Average earning assets | $229,685,000 | 2,559 |
| Average equity | $36,872,000 | 1,971 |
| Average total loans | $159,161,000 | 2,503 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8296% | 4,393 |
| Cost of funding earning assets | 0.6556% | 1,374 |
| Net interest margin | 3.1741% | 5,004 |
| Noninterest income to average assets | 0.7573% | 2,046 |
| Noninterest expense to average assets | 3.4591% | 1,578 |
| Loan and lease loss provision to assets | 0.0508% | 3,547 |
| Net operating income to assets | 0.0896% | 5,968 |
| Return on assets (ROA) | 0.4031% | 5,276 |
| Pretax return on assets | 0.4089% | 5,463 |
| Return on Equity (ROE) | 2.8224% | 5,532 |
| Retained earnings to average equity (ytd only) | 2.6855% | 4,334 |
| Net charge-offs to loans | 0.1889% | 2,158 |
| Credit loss provision to net charge-offs | 44.9827% | 3,587 |
| Earnings coverage of net charge-offs (x) | 1.2664% | 4,455 |
| Efficiency ratio | 96.0278% | 504 |
| Assets per employee ($millions) | 3.6797% | 4,568 |
| Cash dividends to net income (ytd only)* | 4.8497% | 4,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 5,492 |
| Loan loss allowance to noncurrent loans | 92.0337% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 0.8918% | 2,975 |
| Noncurrent loans to loans | 0.9722% | 2,890 |
| Net loans and leases to total assets | 60.2476% | 3,754 |
| Net loans and leases to deposits | 78.6722% | 2,885 |
| Net loans and leases to core deposits | 81.5055% | 3,152 |
| Total domestic deposits to total assets | 76.5805% | 5,658 |
| Equity capital to assets | 14.0314% | 941 |
| Core capital (leverage) ratio | 13.9464% | 827 |
| Tier 1 risk-based capital ratio | 19.6057% | 1,682 |
| Total risk-based capital ratio | 20.4419% | 1,760 |
| Memoranda: | ||
| Average total assets | $255,790,800 | 2,473 |
| Average earning assets | $229,265,200 | 2,527 |
| Average equity | $36,529,000 | 1,923 |
| Average total loans | $152,991,200 | 2,530 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8335% | 4,426 |
| Cost of funding earning assets | 0.6786% | 1,265 |
| Net interest margin | 3.1549% | 5,104 |
| Noninterest income to average assets | 0.7604% | 2,046 |
| Noninterest expense to average assets | 3.4372% | 1,582 |
| Loan and lease loss provision to assets | 0.0367% | 3,672 |
| Net operating income to assets | 0.1263% | 5,986 |
| Return on assets (ROA) | 0.3909% | 5,361 |
| Pretax return on assets | 0.3846% | 5,609 |
| Return on Equity (ROE) | 2.7253% | 5,645 |
| Retained earnings to average equity (ytd only) | 2.5426% | 4,776 |
| Net charge-offs to loans | 0.1276% | 2,515 |
| Credit loss provision to net charge-offs | 48.2759% | 3,134 |
| Earnings coverage of net charge-offs (x) | 2.0621% | 3,999 |
| Efficiency ratio | 95.6401% | 517 |
| Assets per employee ($millions) | 3.7630% | 4,365 |
| Cash dividends to net income (ytd only)* | 6.7029% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 5,353 |
| Loan loss allowance to noncurrent loans | 73.3074% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 0.9516% | 3,064 |
| Noncurrent loans to loans | 1.3193% | 2,440 |
| Net loans and leases to total assets | 60.2229% | 3,749 |
| Net loans and leases to deposits | 79.3485% | 2,789 |
| Net loans and leases to core deposits | 82.1277% | 3,092 |
| Total domestic deposits to total assets | 75.8967% | 5,831 |
| Equity capital to assets | 14.5920% | 832 |
| Core capital (leverage) ratio | 13.8259% | 890 |
| Tier 1 risk-based capital ratio | 19.3658% | 1,809 |
| Total risk-based capital ratio | 20.2425% | 1,875 |
| Memoranda: | ||
| Average total assets | $254,424,250 | 2,505 |
| Average earning assets | $228,506,500 | 2,552 |
| Average equity | $36,496,750 | 1,934 |
| Average total loans | $151,533,500 | 2,555 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8680% | 4,271 |
| Cost of funding earning assets | 0.6865% | 1,261 |
| Net interest margin | 3.1815% | 5,004 |
| Noninterest income to average assets | 0.7537% | 2,030 |
| Noninterest expense to average assets | 3.6316% | 1,240 |
| Loan and lease loss provision to assets | 0.0551% | 3,195 |
| Net operating income to assets | 0.0347% | 6,154 |
| Return on assets (ROA) | 0.2686% | 5,743 |
| Pretax return on assets | 0.1662% | 5,995 |
| Return on Equity (ROE) | 1.8831% | 5,869 |
| Retained earnings to average equity (ytd only) | 1.8831% | 4,945 |
| Net charge-offs to loans | 0.1891% | 1,897 |
| Credit loss provision to net charge-offs | 49.2958% | 2,806 |
| Earnings coverage of net charge-offs (x) | -0.1127% | 4,141 |
| Efficiency ratio | 100.3482% | 392 |
| Assets per employee ($millions) | 3.5406% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 5,383 |
| Loan loss allowance to noncurrent loans | 83.8243% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8512% | 3,417 |
| Noncurrent loans to loans | 1.1848% | 2,860 |
| Net loans and leases to total assets | 58.1631% | 3,970 |
| Net loans and leases to deposits | 77.3596% | 2,883 |
| Net loans and leases to core deposits | 80.7088% | 3,129 |
| Total domestic deposits to total assets | 75.1854% | 6,006 |
| Equity capital to assets | 14.3592% | 858 |
| Core capital (leverage) ratio | 13.9895% | 831 |
| Tier 1 risk-based capital ratio | 20.4615% | 1,575 |
| Total risk-based capital ratio | 21.4298% | 1,614 |
| Memoranda: | ||
| Average total assets | $253,937,000 | 2,513 |
| Average earning assets | $228,698,670 | 2,562 |
| Average equity | $36,216,000 | 1,938 |
| Average total loans | $150,175,670 | 2,572 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9264% | 3,984 |
| Cost of funding earning assets | 0.7011% | 1,240 |
| Net interest margin | 3.2253% | 4,836 |
| Noninterest income to average assets | 0.7232% | 2,069 |
| Noninterest expense to average assets | 3.5872% | 1,329 |
| Loan and lease loss provision to assets | 0.0715% | 2,711 |
| Net operating income to assets | 0.1160% | 5,992 |
| Return on assets (ROA) | 0.2495% | 5,708 |
| Pretax return on assets | 0.1081% | 6,064 |
| Return on Equity (ROE) | 1.7558% | 5,852 |
| Retained earnings to average equity (ytd only) | 1.7558% | 4,904 |
| Net charge-offs to loans | 0.1741% | 1,674 |
| Credit loss provision to net charge-offs | 69.2308% | 2,011 |
| Earnings coverage of net charge-offs (x) | 0.4462% | 3,346 |
| Efficiency ratio | 98.7314% | 514 |
| Assets per employee ($millions) | 3.3130% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 5,389 |
| Loan loss allowance to noncurrent loans | 68.5714% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.0850% | 3,085 |
| Noncurrent loans to loans | 1.5068% | 2,533 |
| Net loans and leases to total assets | 59.3443% | 3,660 |
| Net loans and leases to deposits | 79.2674% | 2,397 |
| Net loans and leases to core deposits | 83.0174% | 2,643 |
| Total domestic deposits to total assets | 74.8660% | 6,169 |
| Equity capital to assets | 14.4287% | 806 |
| Core capital (leverage) ratio | 14.0887% | 795 |
| Tier 1 risk-based capital ratio | 19.3755% | 1,863 |
| Total risk-based capital ratio | 20.3163% | 1,912 |
| Memoranda: | ||
| Average total assets | $251,675,000 | 2,540 |
| Average earning assets | $227,078,500 | 2,584 |
| Average equity | $35,767,500 | 1,953 |
| Average total loans | $149,345,000 | 2,597 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0173% | 4,034 |
| Cost of funding earning assets | 0.8265% | 1,057 |
| Net interest margin | 3.1908% | 5,033 |
| Noninterest income to average assets | 0.8239% | 1,967 |
| Noninterest expense to average assets | 3.6336% | 1,390 |
| Loan and lease loss provision to assets | 0.0958% | 3,206 |
| Net operating income to assets | 0.0524% | 6,124 |
| Return on assets (ROA) | 0.4061% | 5,236 |
| Pretax return on assets | 0.3392% | 5,629 |
| Return on Equity (ROE) | 2.9742% | 5,518 |
| Retained earnings to average equity (ytd only) | 2.9742% | 4,125 |
| Net charge-offs to loans | 0.1182% | 3,628 |
| Credit loss provision to net charge-offs | 147.5904% | 1,573 |
| Earnings coverage of net charge-offs (x) | 1.2530% | 4,653 |
| Efficiency ratio | 97.8117% | 547 |
| Assets per employee ($millions) | 3.3995% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 5,276 |
| Loan loss allowance to noncurrent loans | 65.9983% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 0.9517% | 3,520 |
| Noncurrent loans to loans | 1.6208% | 2,473 |
| Net loans and leases to total assets | 58.0883% | 4,022 |
| Net loans and leases to deposits | 77.2762% | 2,819 |
| Net loans and leases to core deposits | 80.9129% | 3,021 |
| Total domestic deposits to total assets | 75.1697% | 6,175 |
| Equity capital to assets | 13.9947% | 899 |
| Core capital (leverage) ratio | 13.8287% | 874 |
| Tier 1 risk-based capital ratio | 19.2603% | 1,843 |
| Total risk-based capital ratio | 20.1971% | 1,897 |
| Memoranda: | ||
| Average total assets | $255,864,000 | 2,474 |
| Average earning assets | $231,825,200 | 2,500 |
| Average equity | $34,933,600 | 1,975 |
| Average total loans | $140,499,000 | 2,687 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9632% | 4,270 |
| Cost of funding earning assets | 0.8501% | 1,046 |
| Net interest margin | 3.1131% | 5,283 |
| Noninterest income to average assets | 0.8183% | 2,065 |
| Noninterest expense to average assets | 3.6033% | 1,391 |
| Loan and lease loss provision to assets | 0.0208% | 4,581 |
| Net operating income to assets | 0.0161% | 6,275 |
| Return on assets (ROA) | 0.3741% | 5,493 |
| Pretax return on assets | 0.3741% | 5,697 |
| Return on Equity (ROE) | 2.7572% | 5,694 |
| Retained earnings to average equity (ytd only) | 2.7572% | 4,671 |
| Net charge-offs to loans | 0.0990% | 3,565 |
| Credit loss provision to net charge-offs | 38.8350% | 3,728 |
| Earnings coverage of net charge-offs (x) | 0.6893% | 4,619 |
| Efficiency ratio | 98.9879% | 501 |
| Assets per employee ($millions) | 3.4243% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 5,721 |
| Loan loss allowance to noncurrent loans | 49.2466% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 1.1523% | 3,352 |
| Noncurrent loans to loans | 2.0294% | 2,218 |
| Net loans and leases to total assets | 56.2143% | 4,288 |
| Net loans and leases to deposits | 75.2544% | 3,057 |
| Net loans and leases to core deposits | 76.2538% | 3,591 |
| Total domestic deposits to total assets | 74.6991% | 6,308 |
| Equity capital to assets | 13.4164% | 1,157 |
| Core capital (leverage) ratio | 13.6828% | 958 |
| Tier 1 risk-based capital ratio | 18.3970% | 2,174 |
| Total risk-based capital ratio | 19.2169% | 2,303 |
| Memoranda: | ||
| Average total assets | $256,940,000 | 2,482 |
| Average earning assets | $232,903,250 | 2,501 |
| Average equity | $34,865,750 | 1,997 |
| Average total loans | $138,697,000 | 2,734 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9289% | 4,361 |
| Cost of funding earning assets | 0.8925% | 934 |
| Net interest margin | 3.0363% | 5,480 |
| Noninterest income to average assets | 0.8368% | 2,038 |
| Noninterest expense to average assets | 3.6518% | 1,328 |
| Loan and lease loss provision to assets | 0.0232% | 4,450 |
| Net operating income to assets | -0.0837% | 6,393 |
| Return on assets (ROA) | 0.4285% | 5,270 |
| Pretax return on assets | 0.4285% | 5,581 |
| Return on Equity (ROE) | 3.1460% | 5,571 |
| Retained earnings to average equity (ytd only) | 3.1460% | 4,321 |
| Net charge-offs to loans | 0.1475% | 2,925 |
| Credit loss provision to net charge-offs | 29.7030% | 3,592 |
| Earnings coverage of net charge-offs (x) | -0.7723% | 4,690 |
| Efficiency ratio | 101.6828% | 437 |
| Assets per employee ($millions) | 3.4294% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 5,689 |
| Loan loss allowance to noncurrent loans | 47.0550% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 1.2294% | 3,295 |
| Noncurrent loans to loans | 2.1987% | 2,180 |
| Net loans and leases to total assets | 53.8993% | 4,603 |
| Net loans and leases to deposits | 71.7309% | 3,488 |
| Net loans and leases to core deposits | 75.2207% | 3,645 |
| Total domestic deposits to total assets | 75.1410% | 6,342 |
| Equity capital to assets | 13.4148% | 1,177 |
| Core capital (leverage) ratio | 13.6160% | 934 |
| Tier 1 risk-based capital ratio | 19.2461% | 1,927 |
| Total risk-based capital ratio | 20.0963% | 1,996 |
| Memoranda: | ||
| Average total assets | $258,120,670 | 2,476 |
| Average earning assets | $234,164,670 | 2,505 |
| Average equity | $35,155,330 | 1,978 |
| Average total loans | $136,968,000 | 2,759 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 4,555 |
| Cost of funding earning assets | 0.9039% | 971 |
| Net interest margin | 2.9754% | 5,634 |
| Noninterest income to average assets | 0.8237% | 2,027 |
| Noninterest expense to average assets | 3.6805% | 1,278 |
| Loan and lease loss provision to assets | 0.0307% | 4,072 |
| Net operating income to assets | -0.1813% | 6,505 |
| Return on assets (ROA) | 0.4195% | 5,202 |
| Pretax return on assets | 0.4195% | 5,504 |
| Return on Equity (ROE) | 3.0579% | 5,568 |
| Retained earnings to average equity (ytd only) | 3.0579% | 4,446 |
| Net charge-offs to loans | 0.0557% | 3,268 |
| Credit loss provision to net charge-offs | 105.2632% | 1,751 |
| Earnings coverage of net charge-offs (x) | -5.1579% | 4,072 |
| Efficiency ratio | 104.2664% | 435 |
| Assets per employee ($millions) | 3.3991% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 5,635 |
| Loan loss allowance to noncurrent loans | 48.8773% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 1.3684% | 3,221 |
| Noncurrent loans to loans | 2.2339% | 2,347 |
| Net loans and leases to total assets | 52.6687% | 4,603 |
| Net loans and leases to deposits | 72.0787% | 3,177 |
| Net loans and leases to core deposits | 75.5033% | 3,387 |
| Total domestic deposits to total assets | 73.0711% | 6,593 |
| Equity capital to assets | 13.7981% | 1,093 |
| Core capital (leverage) ratio | 13.1808% | 1,050 |
| Tier 1 risk-based capital ratio | 19.1595% | 1,992 |
| Total risk-based capital ratio | 20.0818% | 2,065 |
| Memoranda: | ||
| Average total assets | $260,291,500 | 2,489 |
| Average earning assets | $236,739,000 | 2,503 |
| Average equity | $35,711,000 | 1,974 |
| Average total loans | $136,344,500 | 2,783 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1234% | 4,868 |
| Cost of funding earning assets | 1.1514% | 729 |
| Net interest margin | 2.9720% | 6,100 |
| Noninterest income to average assets | 0.7934% | 2,291 |
| Noninterest expense to average assets | 3.6403% | 1,521 |
| Loan and lease loss provision to assets | 0.1389% | 3,872 |
| Net operating income to assets | -0.2869% | 6,428 |
| Return on assets (ROA) | 0.5016% | 4,936 |
| Pretax return on assets | 0.4757% | 5,352 |
| Return on Equity (ROE) | 3.8081% | 5,227 |
| Retained earnings to average equity (ytd only) | 3.8081% | 3,528 |
| Net charge-offs to loans | 0.1236% | 4,444 |
| Credit loss provision to net charge-offs | 220.2381% | 1,140 |
| Earnings coverage of net charge-offs (x) | -2.7560% | 5,863 |
| Efficiency ratio | 105.0152% | 425 |
| Assets per employee ($millions) | 3.4967% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 5,507 |
| Loan loss allowance to noncurrent loans | 55.5309% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 1.2408% | 3,575 |
| Noncurrent loans to loans | 2.0003% | 2,694 |
| Net loans and leases to total assets | 50.9535% | 5,042 |
| Net loans and leases to deposits | 70.1640% | 3,687 |
| Net loans and leases to core deposits | 73.5510% | 3,840 |
| Total domestic deposits to total assets | 72.6205% | 6,651 |
| Equity capital to assets | 13.6423% | 1,175 |
| Core capital (leverage) ratio | 13.0573% | 1,098 |
| Tier 1 risk-based capital ratio | 19.5526% | 1,801 |
| Total risk-based capital ratio | 20.4822% | 1,864 |
| Memoranda: | ||
| Average total assets | $266,324,400 | 2,385 |
| Average earning assets | $239,535,200 | 2,418 |
| Average equity | $35,083,200 | 1,970 |
| Average total loans | $135,952,000 | 2,772 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1660% | 4,934 |
| Cost of funding earning assets | 1.1214% | 975 |
| Net interest margin | 3.0446% | 6,075 |
| Noninterest income to average assets | 0.7481% | 2,494 |
| Noninterest expense to average assets | 3.5843% | 1,582 |
| Loan and lease loss provision to assets | 0.0549% | 5,058 |
| Net operating income to assets | -0.1523% | 6,454 |
| Return on assets (ROA) | 0.5730% | 4,782 |
| Pretax return on assets | 0.6035% | 5,155 |
| Return on Equity (ROE) | 4.3883% | 5,102 |
| Retained earnings to average equity (ytd only) | 4.3883% | 3,799 |
| Net charge-offs to loans | 0.1146% | 4,235 |
| Credit loss provision to net charge-offs | 94.0171% | 3,175 |
| Earnings coverage of net charge-offs (x) | -1.8034% | 5,638 |
| Efficiency ratio | 103.0247% | 448 |
| Assets per employee ($millions) | 3.5484% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 6,211 |
| Loan loss allowance to noncurrent loans | 43.8710% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 1.5322% | 3,279 |
| Noncurrent loans to loans | 2.1944% | 2,624 |
| Net loans and leases to total assets | 49.2858% | 5,406 |
| Net loans and leases to deposits | 69.9965% | 3,897 |
| Net loans and leases to core deposits | 73.4337% | 4,059 |
| Total domestic deposits to total assets | 70.4118% | 6,823 |
| Equity capital to assets | 13.2738% | 1,459 |
| Core capital (leverage) ratio | 12.7366% | 1,303 |
| Tier 1 risk-based capital ratio | 19.5017% | 1,880 |
| Total risk-based capital ratio | 20.2976% | 1,970 |
| Memoranda: | ||
| Average total assets | $267,342,750 | 2,394 |
| Average earning assets | $239,810,000 | 2,445 |
| Average equity | $34,909,750 | 2,000 |
| Average total loans | $136,158,250 | 2,805 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 4,776 |
| Cost of funding earning assets | 1.1483% | 1,037 |
| Net interest margin | 3.0982% | 6,012 |
| Noninterest income to average assets | 0.7938% | 2,212 |
| Noninterest expense to average assets | 3.7770% | 1,250 |
| Loan and lease loss provision to assets | 0.0563% | 4,955 |
| Net operating income to assets | -0.2595% | 6,586 |
| Return on assets (ROA) | 0.6272% | 4,489 |
| Pretax return on assets | 0.6573% | 4,954 |
| Return on Equity (ROE) | 4.8304% | 4,883 |
| Retained earnings to average equity (ytd only) | 4.8304% | 3,383 |
| Net charge-offs to loans | 0.1842% | 3,483 |
| Credit loss provision to net charge-offs | 59.5238% | 3,810 |
| Earnings coverage of net charge-offs (x) | -2.3254% | 5,393 |
| Efficiency ratio | 106.1801% | 394 |
| Assets per employee ($millions) | 3.4929% | 5,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 6,404 |
| Loan loss allowance to noncurrent loans | 42.9013% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 1.7327% | 3,128 |
| Noncurrent loans to loans | 2.1512% | 2,762 |
| Net loans and leases to total assets | 49.8141% | 5,378 |
| Net loans and leases to deposits | 70.4181% | 3,836 |
| Net loans and leases to core deposits | 73.4642% | 4,101 |
| Total domestic deposits to total assets | 70.7405% | 6,868 |
| Equity capital to assets | 12.9246% | 1,555 |
| Core capital (leverage) ratio | 12.8786% | 1,184 |
| Tier 1 risk-based capital ratio | 19.6619% | 1,797 |
| Total risk-based capital ratio | 20.4326% | 1,892 |
| Memoranda: | ||
| Average total assets | $266,563,000 | 2,401 |
| Average earning assets | $237,749,330 | 2,454 |
| Average equity | $34,614,000 | 2,000 |
| Average total loans | $136,808,670 | 2,801 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2142% | 5,060 |
| Cost of funding earning assets | 1.1480% | 1,185 |
| Net interest margin | 3.0663% | 6,138 |
| Noninterest income to average assets | 0.7069% | 2,631 |
| Noninterest expense to average assets | 4.1452% | 790 |
| Loan and lease loss provision to assets | 0.0754% | 4,455 |
| Net operating income to assets | -0.7235% | 6,924 |
| Return on assets (ROA) | 0.4266% | 5,328 |
| Pretax return on assets | 0.4266% | 5,651 |
| Return on Equity (ROE) | 3.2773% | 5,602 |
| Retained earnings to average equity (ytd only) | 3.2773% | 4,604 |
| Net charge-offs to loans | 0.1948% | 2,950 |
| Credit loss provision to net charge-offs | 74.6269% | 2,836 |
| Earnings coverage of net charge-offs (x) | -6.4179% | 4,678 |
| Efficiency ratio | 118.5345% | 234 |
| Assets per employee ($millions) | 3.4477% | 5,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 6,469 |
| Loan loss allowance to noncurrent loans | 46.7713% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 1.7475% | 3,242 |
| Noncurrent loans to loans | 1.9887% | 3,179 |
| Net loans and leases to total assets | 51.4359% | 5,086 |
| Net loans and leases to deposits | 73.4799% | 3,199 |
| Net loans and leases to core deposits | 75.2989% | 3,710 |
| Total domestic deposits to total assets | 70.0000% | 6,978 |
| Equity capital to assets | 13.1100% | 1,396 |
| Core capital (leverage) ratio | 12.8206% | 1,196 |
| Tier 1 risk-based capital ratio | 19.0249% | 1,982 |
| Total risk-based capital ratio | 19.7911% | 2,102 |
| Memoranda: | ||
| Average total assets | $265,368,500 | 2,427 |
| Average earning assets | $241,466,500 | 2,436 |
| Average equity | $34,540,500 | 2,002 |
| Average total loans | $137,601,000 | 2,817 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5874% | 4,720 |
| Cost of funding earning assets | 1.2530% | 1,720 |
| Net interest margin | 3.3344% | 5,709 |
| Noninterest income to average assets | 0.7311% | 2,435 |
| Noninterest expense to average assets | 3.5973% | 1,747 |
| Loan and lease loss provision to assets | 0.1972% | 4,216 |
| Net operating income to assets | -0.0425% | 6,098 |
| Return on assets (ROA) | 0.4485% | 4,857 |
| Pretax return on assets | 0.4466% | 5,138 |
| Return on Equity (ROE) | 3.5047% | 5,071 |
| Retained earnings to average equity (ytd only) | 3.3536% | 3,833 |
| Net charge-offs to loans | 0.2865% | 3,981 |
| Credit loss provision to net charge-offs | 128.1407% | 2,419 |
| Earnings coverage of net charge-offs (x) | 0.9925% | 5,051 |
| Efficiency ratio | 95.9274% | 824 |
| Assets per employee ($millions) | 3.3578% | 5,350 |
| Cash dividends to net income (ytd only)* | 4.3103% | 3,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 6,412 |
| Loan loss allowance to noncurrent loans | 37.3921% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 2.0636% | 2,886 |
| Noncurrent loans to loans | 2.5289% | 2,601 |
| Net loans and leases to total assets | 51.2970% | 5,428 |
| Net loans and leases to deposits | 73.0720% | 3,653 |
| Net loans and leases to core deposits | 77.0840% | 3,814 |
| Total domestic deposits to total assets | 70.2006% | 6,978 |
| Equity capital to assets | 12.9221% | 1,529 |
| Core capital (leverage) ratio | 12.7345% | 1,247 |
| Tier 1 risk-based capital ratio | 18.9721% | 1,904 |
| Total risk-based capital ratio | 19.7320% | 2,017 |
| Memoranda: | ||
| Average total assets | $258,639,800 | 2,437 |
| Average earning assets | $234,162,600 | 2,455 |
| Average equity | $33,098,800 | 2,014 |
| Average total loans | $138,917,000 | 2,808 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6749% | 4,570 |
| Cost of funding earning assets | 1.2636% | 1,908 |
| Net interest margin | 3.4113% | 5,535 |
| Noninterest income to average assets | 0.7419% | 2,358 |
| Noninterest expense to average assets | 3.6069% | 1,694 |
| Loan and lease loss provision to assets | 0.1660% | 4,398 |
| Net operating income to assets | 0.0428% | 6,086 |
| Return on assets (ROA) | 0.5126% | 4,681 |
| Pretax return on assets | 0.6179% | 4,749 |
| Return on Equity (ROE) | 4.0157% | 4,981 |
| Retained earnings to average equity (ytd only) | 3.8125% | 4,016 |
| Net charge-offs to loans | 0.2201% | 4,060 |
| Credit loss provision to net charge-offs | 139.1304% | 2,294 |
| Earnings coverage of net charge-offs (x) | 1.8261% | 4,295 |
| Efficiency ratio | 94.3028% | 902 |
| Assets per employee ($millions) | 3.3455% | 5,374 |
| Cash dividends to net income (ytd only)* | 5.0611% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 6,524 |
| Loan loss allowance to noncurrent loans | 41.5420% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 1.8101% | 3,380 |
| Noncurrent loans to loans | 2.2251% | 3,079 |
| Net loans and leases to total assets | 51.7885% | 5,475 |
| Net loans and leases to deposits | 74.4414% | 3,595 |
| Net loans and leases to core deposits | 79.2921% | 3,735 |
| Total domestic deposits to total assets | 69.5695% | 7,058 |
| Equity capital to assets | 12.8471% | 1,687 |
| Core capital (leverage) ratio | 12.8352% | 1,279 |
| Tier 1 risk-based capital ratio | 19.6177% | 1,781 |
| Total risk-based capital ratio | 20.3945% | 1,859 |
| Memoranda: | ||
| Average total assets | $256,983,000 | 2,463 |
| Average earning assets | $232,243,250 | 2,484 |
| Average equity | $32,804,000 | 2,026 |
| Average total loans | $139,303,000 | 2,824 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7832% | 4,158 |
| Cost of funding earning assets | 1.2744% | 2,090 |
| Net interest margin | 3.5088% | 5,119 |
| Noninterest income to average assets | 0.8022% | 2,006 |
| Noninterest expense to average assets | 3.5475% | 1,863 |
| Loan and lease loss provision to assets | 0.1139% | 4,867 |
| Net operating income to assets | 0.2397% | 5,596 |
| Return on assets (ROA) | 0.5492% | 4,443 |
| Pretax return on assets | 0.7024% | 4,375 |
| Return on Equity (ROE) | 4.3121% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.3121% | 3,449 |
| Net charge-offs to loans | 0.2219% | 3,794 |
| Credit loss provision to net charge-offs | 93.5484% | 3,361 |
| Earnings coverage of net charge-offs (x) | 3.4452% | 3,165 |
| Efficiency ratio | 89.4236% | 1,281 |
| Assets per employee ($millions) | 3.2390% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 6,793 |
| Loan loss allowance to noncurrent loans | 31.7080% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 1.9986% | 3,235 |
| Noncurrent loans to loans | 2.6555% | 2,743 |
| Net loans and leases to total assets | 54.1699% | 5,268 |
| Net loans and leases to deposits | 76.7340% | 3,334 |
| Net loans and leases to core deposits | 81.1453% | 3,630 |
| Total domestic deposits to total assets | 70.5944% | 7,080 |
| Equity capital to assets | 12.9795% | 1,529 |
| Core capital (leverage) ratio | 13.0318% | 1,150 |
| Tier 1 risk-based capital ratio | 19.2421% | 1,769 |
| Total risk-based capital ratio | 19.9754% | 1,895 |
| Memoranda: | ||
| Average total assets | $254,546,000 | 2,500 |
| Average earning assets | $229,595,670 | 2,529 |
| Average equity | $32,420,670 | 2,035 |
| Average total loans | $139,687,000 | 2,849 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8004% | 4,059 |
| Cost of funding earning assets | 1.2782% | 2,314 |
| Net interest margin | 3.5222% | 4,907 |
| Noninterest income to average assets | 0.7704% | 2,154 |
| Noninterest expense to average assets | 3.5718% | 1,824 |
| Loan and lease loss provision to assets | 0.0945% | 4,828 |
| Net operating income to assets | 0.2160% | 5,729 |
| Return on assets (ROA) | 0.5656% | 4,281 |
| Pretax return on assets | 0.7421% | 4,135 |
| Return on Equity (ROE) | 4.4840% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.4840% | 3,486 |
| Net charge-offs to loans | 0.3237% | 2,766 |
| Credit loss provision to net charge-offs | 53.0973% | 3,690 |
| Earnings coverage of net charge-offs (x) | 2.1150% | 3,240 |
| Efficiency ratio | 90.4629% | 1,297 |
| Assets per employee ($millions) | 3.2728% | 5,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 6,883 |
| Loan loss allowance to noncurrent loans | 32.5021% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 2.1087% | 3,180 |
| Noncurrent loans to loans | 2.5038% | 2,980 |
| Net loans and leases to total assets | 54.8465% | 5,185 |
| Net loans and leases to deposits | 77.2597% | 3,203 |
| Net loans and leases to core deposits | 81.5929% | 3,515 |
| Total domestic deposits to total assets | 70.9899% | 7,136 |
| Equity capital to assets | 12.7835% | 1,480 |
| Core capital (leverage) ratio | 12.9665% | 1,129 |
| Tier 1 risk-based capital ratio | 19.2908% | 1,737 |
| Total risk-based capital ratio | 20.0153% | 1,833 |
| Memoranda: | ||
| Average total assets | $253,879,000 | 2,532 |
| Average earning assets | $229,064,000 | 2,554 |
| Average equity | $32,025,000 | 2,046 |
| Average total loans | $139,637,000 | 2,898 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9782% | 4,659 |
| Cost of funding earning assets | 1.4691% | 2,828 |
| Net interest margin | 3.5092% | 5,214 |
| Noninterest income to average assets | 0.8781% | 1,931 |
| Noninterest expense to average assets | 3.7840% | 1,516 |
| Loan and lease loss provision to assets | 0.2027% | 5,214 |
| Net operating income to assets | 0.0503% | 5,695 |
| Return on assets (ROA) | 0.4357% | 4,537 |
| Pretax return on assets | 0.4696% | 4,722 |
| Return on Equity (ROE) | 3.4334% | 4,780 |
| Retained earnings to average equity (ytd only) | 3.4334% | 3,463 |
| Net charge-offs to loans | 0.3542% | 4,250 |
| Credit loss provision to net charge-offs | 102.1825% | 4,430 |
| Earnings coverage of net charge-offs (x) | 1.2996% | 4,800 |
| Efficiency ratio | 93.6216% | 1,078 |
| Assets per employee ($millions) | 3.2789% | 5,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 6,861 |
| Loan loss allowance to noncurrent loans | 38.0327% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 1.8408% | 3,574 |
| Noncurrent loans to loans | 2.2305% | 3,295 |
| Net loans and leases to total assets | 54.2465% | 5,606 |
| Net loans and leases to deposits | 76.8801% | 3,707 |
| Net loans and leases to core deposits | 78.7692% | 4,370 |
| Total domestic deposits to total assets | 70.5599% | 7,203 |
| Equity capital to assets | 12.4476% | 1,667 |
| Core capital (leverage) ratio | 12.3697% | 1,363 |
| Tier 1 risk-based capital ratio | 18.4269% | 1,866 |
| Total risk-based capital ratio | 19.1582% | 1,992 |
| Memoranda: | ||
| Average total assets | $254,072,400 | 2,503 |
| Average earning assets | $229,057,000 | 2,535 |
| Average equity | $32,241,800 | 2,041 |
| Average total loans | $142,288,200 | 2,899 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9967% | 4,830 |
| Cost of funding earning assets | 1.4999% | 2,983 |
| Net interest margin | 3.4968% | 5,304 |
| Noninterest income to average assets | 0.8605% | 1,951 |
| Noninterest expense to average assets | 3.7079% | 1,546 |
| Loan and lease loss provision to assets | 0.1498% | 5,538 |
| Net operating income to assets | 0.1535% | 5,630 |
| Return on assets (ROA) | 0.5956% | 4,049 |
| Pretax return on assets | 0.5956% | 4,610 |
| Return on Equity (ROE) | 4.6706% | 4,464 |
| Retained earnings to average equity (ytd only) | 4.6706% | 3,213 |
| Net charge-offs to loans | 0.2529% | 4,425 |
| Credit loss provision to net charge-offs | 105.1661% | 4,074 |
| Earnings coverage of net charge-offs (x) | 2.1292% | 4,124 |
| Efficiency ratio | 92.4387% | 1,085 |
| Assets per employee ($millions) | 3.2763% | 5,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 6,886 |
| Loan loss allowance to noncurrent loans | 43.9276% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 2.0117% | 3,455 |
| Noncurrent loans to loans | 1.9389% | 3,761 |
| Net loans and leases to total assets | 54.2079% | 5,820 |
| Net loans and leases to deposits | 77.8408% | 3,857 |
| Net loans and leases to core deposits | 80.0748% | 4,507 |
| Total domestic deposits to total assets | 69.6394% | 7,288 |
| Equity capital to assets | 13.2656% | 1,465 |
| Core capital (leverage) ratio | 12.8025% | 1,297 |
| Tier 1 risk-based capital ratio | 19.0338% | 1,743 |
| Total risk-based capital ratio | 19.7546% | 1,837 |
| Memoranda: | ||
| Average total assets | $253,652,250 | 2,548 |
| Average earning assets | $228,544,250 | 2,578 |
| Average equity | $32,343,500 | 2,053 |
| Average total loans | $142,879,250 | 2,923 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0372% | 4,758 |
| Cost of funding earning assets | 1.5177% | 3,153 |
| Net interest margin | 3.5196% | 5,167 |
| Noninterest income to average assets | 0.8711% | 1,798 |
| Noninterest expense to average assets | 3.7389% | 1,480 |
| Loan and lease loss provision to assets | 0.1383% | 5,512 |
| Net operating income to assets | 0.1518% | 5,716 |
| Return on assets (ROA) | 0.4537% | 4,694 |
| Pretax return on assets | 0.4774% | 4,971 |
| Return on Equity (ROE) | 3.6073% | 4,959 |
| Retained earnings to average equity (ytd only) | 3.6073% | 3,800 |
| Net charge-offs to loans | 0.2696% | 3,993 |
| Credit loss provision to net charge-offs | 90.2062% | 4,416 |
| Earnings coverage of net charge-offs (x) | 1.9433% | 4,063 |
| Efficiency ratio | 92.6180% | 1,150 |
| Assets per employee ($millions) | 3.3006% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8198% | 6,990 |
| Loan loss allowance to noncurrent loans | 42.2109% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 1.9390% | 3,566 |
| Noncurrent loans to loans | 1.9422% | 3,808 |
| Net loans and leases to total assets | 54.3694% | 5,939 |
| Net loans and leases to deposits | 78.8817% | 3,820 |
| Net loans and leases to core deposits | 81.1072% | 4,542 |
| Total domestic deposits to total assets | 68.9252% | 7,390 |
| Equity capital to assets | 12.7679% | 1,663 |
| Core capital (leverage) ratio | 12.7591% | 1,302 |
| Tier 1 risk-based capital ratio | 19.0279% | 1,716 |
| Total risk-based capital ratio | 19.7293% | 1,805 |
| Memoranda: | ||
| Average total assets | $253,018,000 | 2,574 |
| Average earning assets | $227,585,000 | 2,603 |
| Average equity | $31,824,330 | 2,072 |
| Average total loans | $143,932,000 | 2,940 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0838% | 4,609 |
| Cost of funding earning assets | 1.5464% | 3,287 |
| Net interest margin | 3.5374% | 5,008 |
| Noninterest income to average assets | 0.8501% | 1,813 |
| Noninterest expense to average assets | 3.8389% | 1,261 |
| Loan and lease loss provision to assets | 0.1356% | 5,205 |
| Net operating income to assets | 0.0567% | 6,139 |
| Return on assets (ROA) | 0.4370% | 4,808 |
| Pretax return on assets | 0.4609% | 5,082 |
| Return on Equity (ROE) | 3.5015% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.5015% | 4,050 |
| Net charge-offs to loans | 0.0991% | 4,429 |
| Credit loss provision to net charge-offs | 236.1111% | 1,623 |
| Earnings coverage of net charge-offs (x) | 3.4167% | 2,915 |
| Efficiency ratio | 95.1383% | 1,070 |
| Assets per employee ($millions) | 3.0990% | 6,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 6,987 |
| Loan loss allowance to noncurrent loans | 41.0385% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 2.0575% | 3,437 |
| Noncurrent loans to loans | 2.0757% | 3,684 |
| Net loans and leases to total assets | 57.5103% | 5,523 |
| Net loans and leases to deposits | 83.9501% | 2,950 |
| Net loans and leases to core deposits | 86.5580% | 3,816 |
| Total domestic deposits to total assets | 68.5053% | 7,500 |
| Equity capital to assets | 12.7674% | 1,617 |
| Core capital (leverage) ratio | 12.9718% | 1,218 |
| Tier 1 risk-based capital ratio | 18.9802% | 1,730 |
| Total risk-based capital ratio | 19.7308% | 1,806 |
| Memoranda: | ||
| Average total assets | $250,802,000 | 2,643 |
| Average earning assets | $225,817,000 | 2,678 |
| Average equity | $31,301,000 | 2,127 |
| Average total loans | $145,332,500 | 2,977 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5748% | 3,731 |
| Cost of funding earning assets | 1.8714% | 3,615 |
| Net interest margin | 3.7034% | 4,131 |
| Noninterest income to average assets | 1.1154% | 1,230 |
| Noninterest expense to average assets | 4.1012% | 1,232 |
| Loan and lease loss provision to assets | 0.1216% | 6,430 |
| Net operating income to assets | 0.2227% | 4,826 |
| Return on assets (ROA) | 0.4425% | 4,079 |
| Pretax return on assets | 0.4561% | 4,333 |
| Return on Equity (ROE) | 3.6429% | 4,235 |
| Retained earnings to average equity (ytd only) | 3.6429% | 2,637 |
| Net charge-offs to loans | 0.2580% | 5,008 |
| Credit loss provision to net charge-offs | 73.9348% | 6,419 |
| Earnings coverage of net charge-offs (x) | 2.1353% | 4,124 |
| Efficiency ratio | 92.1148% | 1,558 |
| Assets per employee ($millions) | 3.2112% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 7,125 |
| Loan loss allowance to noncurrent loans | 38.7863% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 1.9398% | 3,467 |
| Noncurrent loans to loans | 2.0646% | 3,569 |
| Net loans and leases to total assets | 57.4276% | 5,753 |
| Net loans and leases to deposits | 85.0859% | 3,067 |
| Net loans and leases to core deposits | 106.0909% | 3,322 |
| Total domestic deposits to total assets | 67.4937% | 7,581 |
| Equity capital to assets | 12.1999% | 1,912 |
| Core capital (leverage) ratio | 12.6629% | 1,368 |
| Tier 1 risk-based capital ratio | 18.8182% | 1,697 |
| Total risk-based capital ratio | 19.5350% | 1,768 |
| Memoranda: | ||
| Average total assets | $242,688,000 | 2,687 |
| Average earning assets | $218,661,000 | 2,722 |
| Average equity | $29,482,000 | 2,269 |
| Average total loans | $154,664,600 | 2,850 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6942% | 3,369 |
| Cost of funding earning assets | 1.9274% | 3,736 |
| Net interest margin | 3.7667% | 3,790 |
| Noninterest income to average assets | 1.1547% | 1,182 |
| Noninterest expense to average assets | 4.1271% | 1,107 |
| Loan and lease loss provision to assets | 0.1250% | 6,101 |
| Net operating income to assets | 0.2708% | 4,898 |
| Return on assets (ROA) | 0.4123% | 4,448 |
| Pretax return on assets | 0.4557% | 4,653 |
| Return on Equity (ROE) | 3.3979% | 4,622 |
| Retained earnings to average equity (ytd only) | 3.3979% | 3,400 |
| Net charge-offs to loans | 0.2622% | 4,410 |
| Credit loss provision to net charge-offs | 73.0519% | 5,921 |
| Earnings coverage of net charge-offs (x) | 2.4740% | 3,993 |
| Efficiency ratio | 90.6948% | 1,626 |
| Assets per employee ($millions) | 3.1039% | 5,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 7,097 |
| Loan loss allowance to noncurrent loans | 40.3574% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 1.6584% | 3,881 |
| Noncurrent loans to loans | 1.9965% | 3,649 |
| Net loans and leases to total assets | 59.3452% | 5,686 |
| Net loans and leases to deposits | 86.8668% | 3,157 |
| Net loans and leases to core deposits | 108.3458% | 3,430 |
| Total domestic deposits to total assets | 68.3174% | 7,548 |
| Equity capital to assets | 12.4929% | 1,959 |
| Core capital (leverage) ratio | 13.2549% | 1,304 |
| Tier 1 risk-based capital ratio | 19.7195% | 1,611 |
| Total risk-based capital ratio | 20.4674% | 1,669 |
| Memoranda: | ||
| Average total assets | $239,939,250 | 2,736 |
| Average earning assets | $216,309,500 | 2,770 |
| Average equity | $29,115,250 | 2,317 |
| Average total loans | $156,615,750 | 2,846 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7963% | 3,062 |
| Cost of funding earning assets | 1.9796% | 3,872 |
| Net interest margin | 3.8167% | 3,478 |
| Noninterest income to average assets | 1.1191% | 1,263 |
| Noninterest expense to average assets | 4.0144% | 1,296 |
| Loan and lease loss provision to assets | 0.1139% | 6,007 |
| Net operating income to assets | 0.3776% | 4,590 |
| Return on assets (ROA) | 0.4099% | 4,579 |
| Pretax return on assets | 0.4630% | 4,740 |
| Return on Equity (ROE) | 3.4129% | 4,742 |
| Retained earnings to average equity (ytd only) | 3.4129% | 3,421 |
| Net charge-offs to loans | 0.3729% | 3,326 |
| Credit loss provision to net charge-offs | 45.4545% | 5,822 |
| Earnings coverage of net charge-offs (x) | 2.1582% | 3,993 |
| Efficiency ratio | 88.1318% | 2,002 |
| Assets per employee ($millions) | 3.0723% | 5,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7396% | 7,336 |
| Loan loss allowance to noncurrent loans | 38.4060% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 1.6893% | 3,651 |
| Noncurrent loans to loans | 1.9258% | 3,635 |
| Net loans and leases to total assets | 61.8197% | 5,389 |
| Net loans and leases to deposits | 89.1897% | 2,955 |
| Net loans and leases to core deposits | 110.2812% | 3,347 |
| Total domestic deposits to total assets | 69.3126% | 7,528 |
| Equity capital to assets | 11.9180% | 2,250 |
| Core capital (leverage) ratio | 13.4438% | 1,290 |
| Tier 1 risk-based capital ratio | 18.6683% | 1,847 |
| Total risk-based capital ratio | 19.3385% | 1,935 |
| Memoranda: | ||
| Average total assets | $237,149,000 | 2,777 |
| Average earning assets | $213,481,000 | 2,825 |
| Average equity | $28,480,000 | 2,375 |
| Average total loans | $159,302,000 | 2,832 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8307% | 3,135 |
| Cost of funding earning assets | 2.0174% | 4,047 |
| Net interest margin | 3.8133% | 3,395 |
| Noninterest income to average assets | 0.8209% | 2,227 |
| Noninterest expense to average assets | 3.9852% | 1,201 |
| Loan and lease loss provision to assets | 0.1280% | 5,319 |
| Net operating income to assets | 0.1278% | 5,892 |
| Return on assets (ROA) | 0.4267% | 4,933 |
| Pretax return on assets | 0.4864% | 5,118 |
| Return on Equity (ROE) | 3.5389% | 5,151 |
| Retained earnings to average equity (ytd only) | 3.5389% | 3,925 |
| Net charge-offs to loans | 0.1983% | 3,448 |
| Credit loss provision to net charge-offs | 92.5926% | 3,953 |
| Earnings coverage of net charge-offs (x) | 1.9877% | 3,732 |
| Efficiency ratio | 93.5497% | 1,461 |
| Assets per employee ($millions) | 3.0065% | 6,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7861% | 7,208 |
| Loan loss allowance to noncurrent loans | 47.0284% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 1.5752% | 3,565 |
| Noncurrent loans to loans | 1.6714% | 3,760 |
| Net loans and leases to total assets | 68.5701% | 4,003 |
| Net loans and leases to deposits | 99.3598% | 1,496 |
| Net loans and leases to core deposits | 122.7835% | 2,189 |
| Total domestic deposits to total assets | 69.0119% | 7,513 |
| Equity capital to assets | 11.8888% | 2,336 |
| Core capital (leverage) ratio | 13.3920% | 1,360 |
| Tier 1 risk-based capital ratio | 19.0044% | 1,809 |
| Total risk-based capital ratio | 19.8115% | 1,872 |
| Memoranda: | ||
| Average total assets | $234,369,000 | 2,829 |
| Average earning assets | $211,364,500 | 2,863 |
| Average equity | $28,257,000 | 2,401 |
| Average total loans | $163,373,000 | 2,793 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1415% | 4,821 |
| Cost of funding earning assets | 2.3756% | 4,829 |
| Net interest margin | 3.7659% | 4,155 |
| Noninterest income to average assets | 0.9520% | 1,759 |
| Noninterest expense to average assets | 3.6739% | 1,998 |
| Loan and lease loss provision to assets | 0.1165% | 5,886 |
| Net operating income to assets | 0.5195% | 4,652 |
| Return on assets (ROA) | 0.4723% | 4,675 |
| Pretax return on assets | 0.5211% | 4,922 |
| Return on Equity (ROE) | 3.6662% | 4,968 |
| Retained earnings to average equity (ytd only) | 3.6662% | 2,871 |
| Net charge-offs to loans | 0.1314% | 4,911 |
| Credit loss provision to net charge-offs | 121.0046% | 4,433 |
| Earnings coverage of net charge-offs (x) | 7.1598% | 3,173 |
| Efficiency ratio | 84.1983% | 2,033 |
| Assets per employee ($millions) | 3.0420% | 5,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7773% | 7,182 |
| Loan loss allowance to noncurrent loans | 55.7734% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 1.3192% | 3,582 |
| Noncurrent loans to loans | 1.3937% | 3,727 |
| Net loans and leases to total assets | 69.7561% | 4,074 |
| Net loans and leases to deposits | 103.9046% | 1,351 |
| Net loans and leases to core deposits | 127.9812% | 2,000 |
| Total domestic deposits to total assets | 67.1347% | 7,559 |
| Equity capital to assets | 12.2246% | 2,151 |
| Core capital (leverage) ratio | 13.4386% | 1,406 |
| Tier 1 risk-based capital ratio | 19.1544% | 1,780 |
| Total risk-based capital ratio | 19.9948% | 1,812 |
| Memoranda: | ||
| Average total assets | $227,413,200 | 2,799 |
| Average earning assets | $206,006,800 | 2,820 |
| Average equity | $29,294,600 | 2,307 |
| Average total loans | $166,640,600 | 2,679 |