Home > Sycamore Bank > Performance and Condition Ratios
Sycamore Bank, Performance and Condition Ratios
| 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 | 3.3184% | 3,129 |
| Cost of funding earning assets | 0.1832% | 3,477 |
| Net interest margin | 3.1352% | 2,815 |
| Noninterest income to average assets | 0.8300% | 974 |
| Noninterest expense to average assets | 4.1556% | 297 |
| Loan and lease loss provision to assets | -0.0700% | 4,539 |
| Net operating income to assets | -0.2485% | 4,652 |
| Return on assets (ROA) | -0.2550% | 4,634 |
| Pretax return on assets | -0.3443% | 4,643 |
| Return on Equity (ROE) | -3.7000% | 4,648 |
| Retained earnings to average equity (ytd only) | -13.3234% | 4,705 |
| Net charge-offs to loans | 0.0128% | 1,643 |
| Credit loss provision to net charge-offs | -1,180.0000% | 4,722 |
| Earnings coverage of net charge-offs (x) | -66.5333% | 4,755 |
| Efficiency ratio | 110.9023% | 92 |
| Assets per employee ($millions) | 6.1377% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 2,241 |
| Loan loss allowance to noncurrent loans | 552.3256% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 2,910 |
| Noncurrent loans to loans | 0.2271% | 2,478 |
| Net loans and leases to total assets | 45.9700% | 3,762 |
| Net loans and leases to deposits | 49.3907% | 3,892 |
| Net loans and leases to core deposits | 49.9978% | 3,950 |
| Total domestic deposits to total assets | 93.0800% | 561 |
| Equity capital to assets | 5.2478% | 4,210 |
| Core capital (leverage) ratio | 7.3970% | 4,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8484% | 3,058 |
| Memoranda: | ||
| Average total assets | $325,722,750 | 2,339 |
| Average earning assets | $302,751,750 | 2,341 |
| Average equity | $22,466,250 | 2,777 |
| Average total loans | $156,516,000 | 2,575 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1383% | 3,215 |
| Cost of funding earning assets | 0.1745% | 3,257 |
| Net interest margin | 2.9638% | 2,994 |
| Noninterest income to average assets | 0.8734% | 895 |
| Noninterest expense to average assets | 2.4556% | 2,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9403% | 2,401 |
| Return on assets (ROA) | 0.9304% | 2,425 |
| Pretax return on assets | 1.1674% | 2,179 |
| Return on Equity (ROE) | 12.4955% | 1,525 |
| Retained earnings to average equity (ytd only) | 10.6657% | 855 |
| Net charge-offs to loans | -0.0013% | 3,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5502% | 2,305 |
| Assets per employee ($millions) | 5.6753% | 3,053 |
| Cash dividends to net income (ytd only)* | 14.6438% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 1,970 |
| Loan loss allowance to noncurrent loans | 360.2410% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 2,471 |
| Noncurrent loans to loans | 0.3740% | 2,022 |
| Net loans and leases to total assets | 46.5598% | 3,672 |
| Net loans and leases to deposits | 50.3921% | 3,792 |
| Net loans and leases to core deposits | 50.9581% | 3,878 |
| Total domestic deposits to total assets | 92.3951% | 691 |
| Equity capital to assets | 6.8156% | 3,860 |
| Core capital (leverage) ratio | 8.4128% | 4,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,864,333 | 2,353 |
| Average earning assets | $303,668,333 | 2,356 |
| Average equity | $24,264,667 | 2,727 |
| Average total loans | $158,203,333 | 2,567 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0607% | 3,083 |
| Cost of funding earning assets | 0.1747% | 3,163 |
| Net interest margin | 2.8859% | 2,888 |
| Noninterest income to average assets | 0.7230% | 1,241 |
| Noninterest expense to average assets | 2.5033% | 1,874 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7570% | 2,822 |
| Return on assets (ROA) | 0.7366% | 2,893 |
| Pretax return on assets | 0.8846% | 2,834 |
| Return on Equity (ROE) | 9.4839% | 2,159 |
| Retained earnings to average equity (ytd only) | 5.9572% | 2,268 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3550% | 1,815 |
| Assets per employee ($millions) | 5.6966% | 3,123 |
| Cash dividends to net income (ytd only)* | 37.1859% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 2,372 |
| Loan loss allowance to noncurrent loans | 332.0635% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 2,487 |
| Noncurrent loans to loans | 0.3908% | 2,087 |
| Net loans and leases to total assets | 48.1550% | 3,371 |
| Net loans and leases to deposits | 52.3265% | 3,548 |
| Net loans and leases to core deposits | 52.9142% | 3,670 |
| Total domestic deposits to total assets | 92.0278% | 570 |
| Equity capital to assets | 7.2158% | 4,096 |
| Core capital (leverage) ratio | 8.3920% | 3,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $324,211,500 | 2,373 |
| Average earning assets | $302,157,500 | 2,377 |
| Average equity | $25,179,500 | 2,757 |
| Average total loans | $159,628,000 | 2,553 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5262% | 2,586 |
| Cost of funding earning assets | 0.2340% | 3,091 |
| Net interest margin | 3.2922% | 2,332 |
| Noninterest income to average assets | 1.5270% | 486 |
| Noninterest expense to average assets | 2.9101% | 1,125 |
| Loan and lease loss provision to assets | 0.0297% | 2,463 |
| Net operating income to assets | 1.3070% | 1,579 |
| Return on assets (ROA) | 1.3031% | 1,629 |
| Pretax return on assets | 1.6400% | 1,311 |
| Return on Equity (ROE) | 15.5218% | 835 |
| Retained earnings to average equity (ytd only) | 10.2377% | 858 |
| Net charge-offs to loans | 0.0006% | 2,676 |
| Credit loss provision to net charge-offs | 9,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 5,070.0000% | 22 |
| Efficiency ratio | 63.4726% | 2,643 |
| Assets per employee ($millions) | 5.7822% | 2,976 |
| Cash dividends to net income (ytd only)* | 34.0431% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 2,253 |
| Loan loss allowance to noncurrent loans | 277.4536% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 2,371 |
| Noncurrent loans to loans | 0.4770% | 1,936 |
| Net loans and leases to total assets | 49.0430% | 3,404 |
| Net loans and leases to deposits | 53.9917% | 3,600 |
| Net loans and leases to core deposits | 54.6298% | 3,717 |
| Total domestic deposits to total assets | 90.8343% | 563 |
| Equity capital to assets | 8.3384% | 4,151 |
| Core capital (leverage) ratio | 8.7421% | 3,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,742,600 | 2,427 |
| Average earning assets | $281,183,600 | 2,433 |
| Average equity | $25,415,800 | 2,822 |
| Average total loans | $161,030,000 | 2,532 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6057% | 2,543 |
| Cost of funding earning assets | 0.2494% | 3,132 |
| Net interest margin | 3.3563% | 2,278 |
| Noninterest income to average assets | 1.5781% | 499 |
| Noninterest expense to average assets | 2.9166% | 1,098 |
| Loan and lease loss provision to assets | 0.0401% | 2,193 |
| Net operating income to assets | 1.3549% | 1,673 |
| Return on assets (ROA) | 1.3510% | 1,742 |
| Pretax return on assets | 1.7320% | 1,328 |
| Return on Equity (ROE) | 16.0641% | 936 |
| Retained earnings to average equity (ytd only) | 12.5480% | 716 |
| Net charge-offs to loans | -0.0132% | 3,791 |
| Credit loss provision to net charge-offs | -562.5000% | 3,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1401% | 2,672 |
| Assets per employee ($millions) | 5.2357% | 3,468 |
| Cash dividends to net income (ytd only)* | 21.8884% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 2,186 |
| Loan loss allowance to noncurrent loans | 223.8854% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4947% | 1,543 |
| Noncurrent loans to loans | 0.6070% | 1,790 |
| Net loans and leases to total assets | 49.5575% | 3,464 |
| Net loans and leases to deposits | 54.8951% | 3,665 |
| Net loans and leases to core deposits | 55.6175% | 3,801 |
| Total domestic deposits to total assets | 90.2766% | 642 |
| Equity capital to assets | 8.6745% | 4,086 |
| Core capital (leverage) ratio | 8.5790% | 3,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $298,922,500 | 2,465 |
| Average earning assets | $277,477,500 | 2,468 |
| Average equity | $25,140,250 | 2,875 |
| Average total loans | $161,772,500 | 2,565 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4431% | 3,041 |
| Cost of funding earning assets | 0.2573% | 3,222 |
| Net interest margin | 3.1858% | 2,793 |
| Noninterest income to average assets | 0.7294% | 1,718 |
| Noninterest expense to average assets | 2.9053% | 1,134 |
| Loan and lease loss provision to assets | 0.0609% | 1,820 |
| Net operating income to assets | 0.6012% | 3,984 |
| Return on assets (ROA) | 0.5961% | 4,047 |
| Pretax return on assets | 0.7138% | 4,038 |
| Return on Equity (ROE) | 7.1660% | 3,615 |
| Retained earnings to average equity (ytd only) | 3.5708% | 3,662 |
| Net charge-offs to loans | -0.0195% | 3,988 |
| Credit loss provision to net charge-offs | -562.5000% | 3,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8179% | 861 |
| Assets per employee ($millions) | 5.0768% | 3,587 |
| Cash dividends to net income (ytd only)* | 50.1703% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 2,277 |
| Loan loss allowance to noncurrent loans | 192.4270% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 1,770 |
| Noncurrent loans to loans | 0.6924% | 1,694 |
| Net loans and leases to total assets | 50.4317% | 3,514 |
| Net loans and leases to deposits | 55.4052% | 3,762 |
| Net loans and leases to core deposits | 56.2278% | 3,876 |
| Total domestic deposits to total assets | 91.0235% | 368 |
| Equity capital to assets | 7.9787% | 4,548 |
| Core capital (leverage) ratio | 7.9080% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,595,333 | 2,474 |
| Average earning assets | $274,343,667 | 2,478 |
| Average equity | $24,588,333 | 2,901 |
| Average total loans | $163,965,333 | 2,569 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5733% | 2,728 |
| Cost of funding earning assets | 0.2636% | 3,341 |
| Net interest margin | 3.3097% | 2,367 |
| Noninterest income to average assets | 0.7500% | 1,709 |
| Noninterest expense to average assets | 2.9874% | 1,018 |
| Loan and lease loss provision to assets | 0.0970% | 1,386 |
| Net operating income to assets | 0.6366% | 3,845 |
| Return on assets (ROA) | 0.6294% | 3,936 |
| Pretax return on assets | 0.7208% | 3,974 |
| Return on Equity (ROE) | 7.4038% | 3,497 |
| Retained earnings to average equity (ytd only) | 3.7997% | 3,560 |
| Net charge-offs to loans | -0.0432% | 4,334 |
| Credit loss provision to net charge-offs | -388.8889% | 3,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3352% | 932 |
| Assets per employee ($millions) | 5.1896% | 3,443 |
| Cash dividends to net income (ytd only)* | 48.6784% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,636 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.5867% | 1,622 |
| Noncurrent loans to loans | 0.8370% | 1,595 |
| Net loans and leases to total assets | 54.6408% | 3,174 |
| Net loans and leases to deposits | 60.0820% | 3,475 |
| Net loans and leases to core deposits | 61.0941% | 3,636 |
| Total domestic deposits to total assets | 90.9437% | 424 |
| Equity capital to assets | 8.0430% | 4,466 |
| Core capital (leverage) ratio | 8.6758% | 3,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,550,000 | 2,495 |
| Average earning assets | $267,094,500 | 2,509 |
| Average equity | $24,528,000 | 2,901 |
| Average total loans | $166,803,500 | 2,537 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3732% | 1,659 |
| Cost of funding earning assets | 0.4530% | 3,264 |
| Net interest margin | 3.9202% | 1,162 |
| Noninterest income to average assets | 0.9511% | 1,147 |
| Noninterest expense to average assets | 3.2754% | 935 |
| Loan and lease loss provision to assets | 0.2244% | 1,739 |
| Net operating income to assets | 0.8492% | 2,903 |
| Return on assets (ROA) | 0.8677% | 2,968 |
| Pretax return on assets | 1.0716% | 2,808 |
| Return on Equity (ROE) | 9.1739% | 2,329 |
| Retained earnings to average equity (ytd only) | 5.9439% | 1,819 |
| Net charge-offs to loans | 0.0343% | 2,360 |
| Credit loss provision to net charge-offs | 1,000.0000% | 779 |
| Earnings coverage of net charge-offs (x) | 56.7368% | 1,099 |
| Efficiency ratio | 72.0097% | 1,680 |
| Assets per employee ($millions) | 4.7604% | 3,647 |
| Cash dividends to net income (ytd only)* | 35.2087% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 2,958 |
| Loan loss allowance to noncurrent loans | 459.4037% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 2,699 |
| Noncurrent loans to loans | 0.2610% | 3,259 |
| Net loans and leases to total assets | 59.7769% | 2,892 |
| Net loans and leases to deposits | 66.2903% | 3,243 |
| Net loans and leases to core deposits | 67.4578% | 3,444 |
| Total domestic deposits to total assets | 90.1744% | 498 |
| Equity capital to assets | 8.9991% | 4,053 |
| Core capital (leverage) ratio | 9.1197% | 3,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,011,600 | 2,556 |
| Average earning assets | $233,103,200 | 2,580 |
| Average equity | $24,024,600 | 2,875 |
| Average total loans | $166,283,600 | 2,517 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 1,774 |
| Cost of funding earning assets | 0.4959% | 3,251 |
| Net interest margin | 3.9322% | 1,277 |
| Noninterest income to average assets | 0.8714% | 1,308 |
| Noninterest expense to average assets | 3.2993% | 907 |
| Loan and lease loss provision to assets | 0.2254% | 1,800 |
| Net operating income to assets | 0.7779% | 3,176 |
| Return on assets (ROA) | 0.7823% | 3,275 |
| Pretax return on assets | 0.9556% | 3,210 |
| Return on Equity (ROE) | 8.1613% | 2,744 |
| Retained earnings to average equity (ytd only) | 6.3701% | 1,934 |
| Net charge-offs to loans | 0.0442% | 1,992 |
| Credit loss provision to net charge-offs | 763.6364% | 1,012 |
| Earnings coverage of net charge-offs (x) | 39.8364% | 1,363 |
| Efficiency ratio | 73.7290% | 1,436 |
| Assets per employee ($millions) | 4.5287% | 3,813 |
| Cash dividends to net income (ytd only)* | 21.9479% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 3,275 |
| Loan loss allowance to noncurrent loans | 401.5152% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 2,723 |
| Noncurrent loans to loans | 0.2705% | 3,324 |
| Net loans and leases to total assets | 64.3071% | 2,734 |
| Net loans and leases to deposits | 71.7976% | 3,149 |
| Net loans and leases to core deposits | 73.1330% | 3,387 |
| Total domestic deposits to total assets | 89.5672% | 564 |
| Equity capital to assets | 9.3919% | 3,773 |
| Core capital (leverage) ratio | 9.1685% | 3,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,488,250 | 2,574 |
| Average earning assets | $227,718,500 | 2,594 |
| Average equity | $23,819,000 | 2,880 |
| Average total loans | $166,092,000 | 2,525 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4712% | 2,004 |
| Cost of funding earning assets | 0.5394% | 3,295 |
| Net interest margin | 3.9318% | 1,491 |
| Noninterest income to average assets | 0.8771% | 1,220 |
| Noninterest expense to average assets | 3.3541% | 918 |
| Loan and lease loss provision to assets | 0.2174% | 1,918 |
| Net operating income to assets | 0.7586% | 3,188 |
| Return on assets (ROA) | 0.7655% | 3,282 |
| Pretax return on assets | 0.9140% | 3,273 |
| Return on Equity (ROE) | 7.9284% | 2,775 |
| Retained earnings to average equity (ytd only) | 6.0249% | 2,072 |
| Net charge-offs to loans | 0.0766% | 1,484 |
| Credit loss provision to net charge-offs | 420.6349% | 1,365 |
| Earnings coverage of net charge-offs (x) | 21.7302% | 1,646 |
| Efficiency ratio | 74.9130% | 1,378 |
| Assets per employee ($millions) | 4.7954% | 3,420 |
| Cash dividends to net income (ytd only)* | 24.0086% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 3,634 |
| Loan loss allowance to noncurrent loans | 381.0811% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 2,978 |
| Noncurrent loans to loans | 0.2592% | 3,458 |
| Net loans and leases to total assets | 64.3032% | 2,844 |
| Net loans and leases to deposits | 71.6440% | 3,294 |
| Net loans and leases to core deposits | 72.8400% | 3,533 |
| Total domestic deposits to total assets | 89.7538% | 475 |
| Equity capital to assets | 9.2358% | 3,890 |
| Core capital (leverage) ratio | 9.2294% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,763,333 | 2,582 |
| Average earning assets | $223,207,333 | 2,601 |
| Average equity | $23,535,667 | 2,889 |
| Average total loans | $164,534,000 | 2,525 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7020% | 1,706 |
| Cost of funding earning assets | 0.6166% | 3,352 |
| Net interest margin | 4.0855% | 1,163 |
| Noninterest income to average assets | 0.9822% | 893 |
| Noninterest expense to average assets | 3.6583% | 738 |
| Loan and lease loss provision to assets | 0.1283% | 2,113 |
| Net operating income to assets | 0.8196% | 2,834 |
| Return on assets (ROA) | 0.8196% | 2,926 |
| Pretax return on assets | 0.9257% | 3,065 |
| Return on Equity (ROE) | 8.2858% | 2,392 |
| Retained earnings to average equity (ytd only) | 8.2858% | 1,145 |
| Net charge-offs to loans | 0.0298% | 1,785 |
| Credit loss provision to net charge-offs | 625.0000% | 771 |
| Earnings coverage of net charge-offs (x) | 51.3333% | 880 |
| Efficiency ratio | 77.6325% | 1,382 |
| Assets per employee ($millions) | 4.1427% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 3,881 |
| Loan loss allowance to noncurrent loans | 276.3345% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 2,904 |
| Noncurrent loans to loans | 0.3482% | 3,240 |
| Net loans and leases to total assets | 66.5356% | 2,756 |
| Net loans and leases to deposits | 74.3811% | 3,231 |
| Net loans and leases to core deposits | 75.6081% | 3,519 |
| Total domestic deposits to total assets | 89.4523% | 486 |
| Equity capital to assets | 9.6317% | 4,102 |
| Core capital (leverage) ratio | 10.1049% | 3,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,772,000 | 2,604 |
| Average earning assets | $213,439,500 | 2,636 |
| Average equity | $23,124,000 | 2,915 |
| Average total loans | $161,156,500 | 2,531 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8283% | 1,957 |
| Cost of funding earning assets | 0.6199% | 3,558 |
| Net interest margin | 4.2084% | 1,303 |
| Noninterest income to average assets | 1.2788% | 578 |
| Noninterest expense to average assets | 3.6493% | 806 |
| Loan and lease loss provision to assets | 0.1436% | 1,484 |
| Net operating income to assets | 1.0454% | 2,674 |
| Return on assets (ROA) | 1.0471% | 2,764 |
| Pretax return on assets | 1.3291% | 2,400 |
| Return on Equity (ROE) | 10.6365% | 2,034 |
| Retained earnings to average equity (ytd only) | 5.1470% | 2,341 |
| Net charge-offs to loans | 0.0213% | 2,989 |
| Credit loss provision to net charge-offs | 993.9394% | 355 |
| Earnings coverage of net charge-offs (x) | 101.7576% | 669 |
| Efficiency ratio | 71.2771% | 1,977 |
| Assets per employee ($millions) | 3.7878% | 4,158 |
| Cash dividends to net income (ytd only)* | 51.6102% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 3,856 |
| Loan loss allowance to noncurrent loans | 526.5018% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 2,951 |
| Noncurrent loans to loans | 0.1759% | 3,831 |
| Net loans and leases to total assets | 70.1379% | 2,379 |
| Net loans and leases to deposits | 78.8316% | 2,925 |
| Net loans and leases to core deposits | 80.5058% | 3,256 |
| Total domestic deposits to total assets | 88.9719% | 684 |
| Equity capital to assets | 10.1665% | 3,766 |
| Core capital (leverage) ratio | 10.0848% | 3,425 |
| Tier 1 risk-based capital ratio | 14.2105% | 3,165 |
| Total risk-based capital ratio | 15.1303% | 3,234 |
| Memoranda: | ||
| Average total assets | $228,342,600 | 2,593 |
| Average earning assets | $208,416,200 | 2,622 |
| Average equity | $22,479,200 | 2,921 |
| Average total loans | $154,755,600 | 2,569 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7778% | 2,189 |
| Cost of funding earning assets | 0.6163% | 3,608 |
| Net interest margin | 4.1615% | 1,469 |
| Noninterest income to average assets | 1.1863% | 651 |
| Noninterest expense to average assets | 3.6054% | 843 |
| Loan and lease loss provision to assets | 0.1184% | 1,648 |
| Net operating income to assets | 0.9978% | 2,991 |
| Return on assets (ROA) | 0.9996% | 3,062 |
| Pretax return on assets | 1.2650% | 2,768 |
| Return on Equity (ROE) | 10.2374% | 2,335 |
| Retained earnings to average equity (ytd only) | 6.6597% | 2,031 |
| Net charge-offs to loans | 0.0061% | 3,167 |
| Credit loss provision to net charge-offs | 2,900.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 338.3976% | 289 |
| Efficiency ratio | 72.3041% | 1,790 |
| Assets per employee ($millions) | 3.7283% | 4,246 |
| Cash dividends to net income (ytd only)* | 34.9476% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 4,091 |
| Loan loss allowance to noncurrent loans | 547.6378% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 3,395 |
| Noncurrent loans to loans | 0.1623% | 3,964 |
| Net loans and leases to total assets | 68.1940% | 2,763 |
| Net loans and leases to deposits | 76.6671% | 3,233 |
| Net loans and leases to core deposits | 77.9358% | 3,557 |
| Total domestic deposits to total assets | 88.9482% | 625 |
| Equity capital to assets | 10.1166% | 3,898 |
| Core capital (leverage) ratio | 10.2662% | 3,346 |
| Tier 1 risk-based capital ratio | 14.6537% | 3,007 |
| Total risk-based capital ratio | 15.5407% | 3,086 |
| Memoranda: | ||
| Average total assets | $228,612,000 | 2,613 |
| Average earning assets | $208,766,000 | 2,640 |
| Average equity | $22,322,750 | 2,952 |
| Average total loans | $153,222,250 | 2,612 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7783% | 2,132 |
| Cost of funding earning assets | 0.6161% | 3,570 |
| Net interest margin | 4.1623% | 1,450 |
| Noninterest income to average assets | 1.2401% | 562 |
| Noninterest expense to average assets | 3.5903% | 859 |
| Loan and lease loss provision to assets | 0.1118% | 1,676 |
| Net operating income to assets | 1.0541% | 2,706 |
| Return on assets (ROA) | 1.0541% | 2,771 |
| Pretax return on assets | 1.3380% | 2,419 |
| Return on Equity (ROE) | 10.9259% | 2,009 |
| Retained earnings to average equity (ytd only) | 8.0383% | 1,377 |
| Net charge-offs to loans | -0.0013% | 3,913 |
| Credit loss provision to net charge-offs | -12,800.0000% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2355% | 2,028 |
| Assets per employee ($millions) | 3.8553% | 4,052 |
| Cash dividends to net income (ytd only)* | 26.4292% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 4,161 |
| Loan loss allowance to noncurrent loans | 298.8713% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 3,146 |
| Noncurrent loans to loans | 0.2949% | 3,476 |
| Net loans and leases to total assets | 64.3630% | 3,300 |
| Net loans and leases to deposits | 72.0908% | 3,681 |
| Net loans and leases to core deposits | 73.0716% | 3,940 |
| Total domestic deposits to total assets | 89.2805% | 549 |
| Equity capital to assets | 9.8783% | 4,077 |
| Core capital (leverage) ratio | 9.7411% | 3,894 |
| Tier 1 risk-based capital ratio | 15.2344% | 2,738 |
| Total risk-based capital ratio | 16.1210% | 2,811 |
| Memoranda: | ||
| Average total assets | $229,006,330 | 2,618 |
| Average earning assets | $209,069,000 | 2,645 |
| Average equity | $22,094,330 | 2,962 |
| Average total loans | $152,135,000 | 2,639 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6679% | 2,322 |
| Cost of funding earning assets | 0.5986% | 3,582 |
| Net interest margin | 4.0692% | 1,642 |
| Noninterest income to average assets | 1.4466% | 410 |
| Noninterest expense to average assets | 3.5865% | 863 |
| Loan and lease loss provision to assets | 0.0913% | 1,891 |
| Net operating income to assets | 1.1622% | 2,205 |
| Return on assets (ROA) | 1.1622% | 2,257 |
| Pretax return on assets | 1.4799% | 1,838 |
| Return on Equity (ROE) | 12.1935% | 1,467 |
| Retained earnings to average equity (ytd only) | 9.2464% | 1,236 |
| Net charge-offs to loans | -0.0078% | 4,137 |
| Credit loss provision to net charge-offs | -1,733.3333% | 4,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5371% | 2,418 |
| Assets per employee ($millions) | 3.9673% | 3,970 |
| Cash dividends to net income (ytd only)* | 24.1692% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 4,441 |
| Loan loss allowance to noncurrent loans | 570.7763% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 3,755 |
| Noncurrent loans to loans | 0.1445% | 4,089 |
| Net loans and leases to total assets | 64.1930% | 3,264 |
| Net loans and leases to deposits | 71.5382% | 3,641 |
| Net loans and leases to core deposits | 72.4890% | 3,911 |
| Total domestic deposits to total assets | 89.7325% | 551 |
| Equity capital to assets | 9.4451% | 4,306 |
| Core capital (leverage) ratio | 9.9328% | 3,678 |
| Tier 1 risk-based capital ratio | 15.5360% | 2,634 |
| Total risk-based capital ratio | 16.4050% | 2,726 |
| Memoranda: | ||
| Average total assets | $227,851,500 | 2,657 |
| Average earning assets | $207,802,500 | 2,688 |
| Average equity | $21,716,500 | 3,004 |
| Average total loans | $153,099,500 | 2,658 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 2,609 |
| Cost of funding earning assets | 0.4730% | 3,534 |
| Net interest margin | 3.9766% | 2,071 |
| Noninterest income to average assets | 1.1208% | 735 |
| Noninterest expense to average assets | 3.4291% | 1,104 |
| Loan and lease loss provision to assets | 0.1067% | 2,067 |
| Net operating income to assets | 0.9721% | 3,130 |
| Return on assets (ROA) | 0.9714% | 3,130 |
| Pretax return on assets | 1.2134% | 2,836 |
| Return on Equity (ROE) | 10.4730% | 2,307 |
| Retained earnings to average equity (ytd only) | 4.4878% | 3,058 |
| Net charge-offs to loans | 0.0681% | 2,143 |
| Credit loss provision to net charge-offs | 242.0000% | 1,221 |
| Earnings coverage of net charge-offs (x) | 29.9600% | 1,603 |
| Efficiency ratio | 72.1897% | 1,870 |
| Assets per employee ($millions) | 3.6939% | 4,327 |
| Cash dividends to net income (ytd only)* | 57.1493% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 4,621 |
| Loan loss allowance to noncurrent loans | 199.8328% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2883% | 3,427 |
| Noncurrent loans to loans | 0.3866% | 3,151 |
| Net loans and leases to total assets | 69.2574% | 2,700 |
| Net loans and leases to deposits | 79.7678% | 2,980 |
| Net loans and leases to core deposits | 80.9166% | 3,355 |
| Total domestic deposits to total assets | 86.8238% | 1,861 |
| Equity capital to assets | 9.6217% | 4,027 |
| Core capital (leverage) ratio | 9.8787% | 3,714 |
| Tier 1 risk-based capital ratio | 14.1280% | 3,230 |
| Total risk-based capital ratio | 14.9009% | 3,381 |
| Memoranda: | ||
| Average total assets | $226,793,600 | 2,638 |
| Average earning assets | $206,987,000 | 2,661 |
| Average equity | $21,035,000 | 2,987 |
| Average total loans | $146,896,000 | 2,681 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3393% | 2,818 |
| Cost of funding earning assets | 0.4570% | 3,479 |
| Net interest margin | 3.8823% | 2,371 |
| Noninterest income to average assets | 1.1317% | 734 |
| Noninterest expense to average assets | 3.3753% | 1,157 |
| Loan and lease loss provision to assets | 0.0924% | 2,129 |
| Net operating income to assets | 0.9713% | 3,214 |
| Return on assets (ROA) | 0.9704% | 3,232 |
| Pretax return on assets | 1.2136% | 2,937 |
| Return on Equity (ROE) | 10.5583% | 2,372 |
| Retained earnings to average equity (ytd only) | 6.3795% | 2,444 |
| Net charge-offs to loans | 0.0138% | 2,931 |
| Credit loss provision to net charge-offs | 1,053.3333% | 402 |
| Earnings coverage of net charge-offs (x) | 149.0630% | 547 |
| Efficiency ratio | 72.0849% | 1,868 |
| Assets per employee ($millions) | 3.7862% | 4,195 |
| Cash dividends to net income (ytd only)* | 39.5784% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7977% | 4,631 |
| Loan loss allowance to noncurrent loans | 180.3922% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.3275% | 3,371 |
| Noncurrent loans to loans | 0.4422% | 3,071 |
| Net loans and leases to total assets | 65.4704% | 3,246 |
| Net loans and leases to deposits | 72.9957% | 3,679 |
| Net loans and leases to core deposits | 73.9860% | 3,949 |
| Total domestic deposits to total assets | 89.6907% | 601 |
| Equity capital to assets | 9.3510% | 4,225 |
| Core capital (leverage) ratio | 9.4627% | 4,219 |
| Tier 1 risk-based capital ratio | 14.7418% | 2,997 |
| Total risk-based capital ratio | 15.5500% | 3,131 |
| Memoranda: | ||
| Average total assets | $228,083,500 | 2,641 |
| Average earning assets | $208,597,500 | 2,661 |
| Average equity | $20,962,500 | 3,018 |
| Average total loans | $144,946,750 | 2,723 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2345% | 2,995 |
| Cost of funding earning assets | 0.4324% | 3,482 |
| Net interest margin | 3.8021% | 2,558 |
| Noninterest income to average assets | 0.9957% | 969 |
| Noninterest expense to average assets | 3.3075% | 1,302 |
| Loan and lease loss provision to assets | 0.0919% | 2,086 |
| Net operating income to assets | 0.8890% | 3,502 |
| Return on assets (ROA) | 0.8897% | 3,506 |
| Pretax return on assets | 1.0771% | 3,397 |
| Return on Equity (ROE) | 9.7369% | 2,690 |
| Retained earnings to average equity (ytd only) | 6.6893% | 2,217 |
| Net charge-offs to loans | 0.0167% | 2,585 |
| Credit loss provision to net charge-offs | 875.0000% | 464 |
| Earnings coverage of net charge-offs (x) | 111.1667% | 650 |
| Efficiency ratio | 73.8994% | 1,718 |
| Assets per employee ($millions) | 3.9348% | 4,014 |
| Cash dividends to net income (ytd only)* | 31.2992% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7985% | 4,700 |
| Loan loss allowance to noncurrent loans | 362.6582% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 4,132 |
| Noncurrent loans to loans | 0.2202% | 3,932 |
| Net loans and leases to total assets | 61.3237% | 3,669 |
| Net loans and leases to deposits | 67.9928% | 4,019 |
| Net loans and leases to core deposits | 68.8850% | 4,208 |
| Total domestic deposits to total assets | 90.1915% | 509 |
| Equity capital to assets | 9.0633% | 4,511 |
| Core capital (leverage) ratio | 9.1102% | 4,571 |
| Tier 1 risk-based capital ratio | 14.8416% | 2,952 |
| Total risk-based capital ratio | 15.6344% | 3,086 |
| Memoranda: | ||
| Average total assets | $228,387,000 | 2,653 |
| Average earning assets | $209,044,670 | 2,678 |
| Average equity | $20,869,000 | 3,042 |
| Average total loans | $143,286,670 | 2,762 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1886% | 2,920 |
| Cost of funding earning assets | 0.3941% | 3,632 |
| Net interest margin | 3.7945% | 2,449 |
| Noninterest income to average assets | 0.9978% | 913 |
| Noninterest expense to average assets | 3.2865% | 1,372 |
| Loan and lease loss provision to assets | 0.0936% | 1,947 |
| Net operating income to assets | 0.9256% | 3,180 |
| Return on assets (ROA) | 0.9271% | 3,189 |
| Pretax return on assets | 1.0878% | 3,215 |
| Return on Equity (ROE) | 10.1044% | 2,378 |
| Retained earnings to average equity (ytd only) | 7.0442% | 2,265 |
| Net charge-offs to loans | 0.0307% | 1,883 |
| Credit loss provision to net charge-offs | 481.8182% | 616 |
| Earnings coverage of net charge-offs (x) | 60.7273% | 841 |
| Efficiency ratio | 73.5864% | 1,950 |
| Assets per employee ($millions) | 4.0743% | 3,845 |
| Cash dividends to net income (ytd only)* | 30.2857% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7700% | 4,867 |
| Loan loss allowance to noncurrent loans | 876.0000% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 4,068 |
| Noncurrent loans to loans | 0.0879% | 4,588 |
| Net loans and leases to total assets | 60.7623% | 3,671 |
| Net loans and leases to deposits | 67.3081% | 3,995 |
| Net loans and leases to core deposits | 68.2796% | 4,203 |
| Total domestic deposits to total assets | 90.2750% | 553 |
| Equity capital to assets | 8.9611% | 4,600 |
| Core capital (leverage) ratio | 9.3809% | 4,213 |
| Tier 1 risk-based capital ratio | 14.7736% | 2,993 |
| Total risk-based capital ratio | 15.5413% | 3,150 |
| Memoranda: | ||
| Average total assets | $226,503,000 | 2,693 |
| Average earning assets | $207,039,000 | 2,722 |
| Average equity | $20,783,000 | 3,071 |
| Average total loans | $143,174,000 | 2,775 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1159% | 3,001 |
| Cost of funding earning assets | 0.3593% | 3,622 |
| Net interest margin | 3.7566% | 2,575 |
| Noninterest income to average assets | 1.0811% | 872 |
| Noninterest expense to average assets | 3.2495% | 1,509 |
| Loan and lease loss provision to assets | 0.0848% | 2,509 |
| Net operating income to assets | 0.7785% | 3,257 |
| Return on assets (ROA) | 0.7796% | 3,291 |
| Pretax return on assets | 1.1673% | 2,908 |
| Return on Equity (ROE) | 8.5875% | 2,500 |
| Retained earnings to average equity (ytd only) | 3.0255% | 3,489 |
| Net charge-offs to loans | 0.0606% | 2,604 |
| Credit loss provision to net charge-offs | 227.0588% | 1,219 |
| Earnings coverage of net charge-offs (x) | 33.4706% | 1,434 |
| Efficiency ratio | 72.2141% | 2,187 |
| Assets per employee ($millions) | 4.0140% | 3,936 |
| Cash dividends to net income (ytd only)* | 64.7689% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7305% | 5,004 |
| Loan loss allowance to noncurrent loans | 492.0561% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 3,980 |
| Noncurrent loans to loans | 0.1485% | 4,332 |
| Net loans and leases to total assets | 64.8132% | 3,254 |
| Net loans and leases to deposits | 72.1817% | 3,685 |
| Net loans and leases to core deposits | 73.2834% | 3,940 |
| Total domestic deposits to total assets | 89.7916% | 643 |
| Equity capital to assets | 9.4012% | 4,325 |
| Core capital (leverage) ratio | 9.1373% | 4,479 |
| Tier 1 risk-based capital ratio | 14.5178% | 3,081 |
| Total risk-based capital ratio | 15.2589% | 3,261 |
| Memoranda: | ||
| Average total assets | $227,542,200 | 2,655 |
| Average earning assets | $207,073,800 | 2,697 |
| Average equity | $20,658,000 | 3,066 |
| Average total loans | $140,272,800 | 2,778 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 3,088 |
| Cost of funding earning assets | 0.3522% | 3,645 |
| Net interest margin | 3.7187% | 2,688 |
| Noninterest income to average assets | 0.9992% | 1,026 |
| Noninterest expense to average assets | 3.1484% | 1,677 |
| Loan and lease loss provision to assets | 0.0913% | 2,247 |
| Net operating income to assets | 0.7853% | 3,582 |
| Return on assets (ROA) | 0.7869% | 3,631 |
| Pretax return on assets | 1.1458% | 3,129 |
| Return on Equity (ROE) | 8.7427% | 2,747 |
| Retained earnings to average equity (ytd only) | 4.8140% | 3,012 |
| Net charge-offs to loans | 0.0660% | 2,176 |
| Credit loss provision to net charge-offs | 227.5362% | 1,222 |
| Earnings coverage of net charge-offs (x) | 30.7674% | 1,532 |
| Efficiency ratio | 71.8286% | 2,225 |
| Assets per employee ($millions) | 4.0981% | 3,830 |
| Cash dividends to net income (ytd only)* | 44.9375% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7339% | 5,062 |
| Loan loss allowance to noncurrent loans | 469.5455% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4737% | 3,148 |
| Noncurrent loans to loans | 0.1563% | 4,433 |
| Net loans and leases to total assets | 60.8813% | 3,779 |
| Net loans and leases to deposits | 67.6579% | 4,133 |
| Net loans and leases to core deposits | 68.6476% | 4,324 |
| Total domestic deposits to total assets | 89.9839% | 481 |
| Equity capital to assets | 9.1755% | 4,748 |
| Core capital (leverage) ratio | 8.9417% | 4,813 |
| Tier 1 risk-based capital ratio | 14.8734% | 2,973 |
| Total risk-based capital ratio | 15.6151% | 3,170 |
| Memoranda: | ||
| Average total assets | $229,235,250 | 2,670 |
| Average earning assets | $208,598,000 | 2,698 |
| Average equity | $20,633,750 | 3,092 |
| Average total loans | $139,305,750 | 2,808 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0175% | 3,150 |
| Cost of funding earning assets | 0.3421% | 3,667 |
| Net interest margin | 3.6754% | 2,737 |
| Noninterest income to average assets | 0.9810% | 1,068 |
| Noninterest expense to average assets | 3.1220% | 1,791 |
| Loan and lease loss provision to assets | 0.0916% | 2,152 |
| Net operating income to assets | 0.7654% | 3,567 |
| Return on assets (ROA) | 0.7672% | 3,605 |
| Pretax return on assets | 1.1180% | 3,098 |
| Return on Equity (ROE) | 8.5787% | 2,741 |
| Retained earnings to average equity (ytd only) | 5.4751% | 2,424 |
| Net charge-offs to loans | 0.1167% | 1,470 |
| Credit loss provision to net charge-offs | 129.6296% | 1,688 |
| Earnings coverage of net charge-offs (x) | 17.0741% | 1,946 |
| Efficiency ratio | 72.1169% | 2,314 |
| Assets per employee ($millions) | 4.2105% | 3,595 |
| Cash dividends to net income (ytd only)* | 36.1775% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7015% | 5,207 |
| Loan loss allowance to noncurrent loans | 367.0455% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.5713% | 2,853 |
| Noncurrent loans to loans | 0.1911% | 4,354 |
| Net loans and leases to total assets | 58.1732% | 4,010 |
| Net loans and leases to deposits | 64.3108% | 4,351 |
| Net loans and leases to core deposits | 65.2199% | 4,525 |
| Total domestic deposits to total assets | 90.4563% | 373 |
| Equity capital to assets | 8.8499% | 5,038 |
| Core capital (leverage) ratio | 8.5811% | 5,161 |
| Tier 1 risk-based capital ratio | 14.7681% | 3,029 |
| Total risk-based capital ratio | 15.4652% | 3,221 |
| Memoranda: | ||
| Average total assets | $229,150,000 | 2,689 |
| Average earning assets | $208,737,330 | 2,712 |
| Average equity | $20,492,670 | 3,102 |
| Average total loans | $138,824,330 | 2,820 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0042% | 3,029 |
| Cost of funding earning assets | 0.3230% | 3,816 |
| Net interest margin | 3.6813% | 2,556 |
| Noninterest income to average assets | 0.9813% | 1,041 |
| Noninterest expense to average assets | 3.1121% | 1,833 |
| Loan and lease loss provision to assets | 0.0939% | 1,972 |
| Net operating income to assets | 0.7693% | 3,372 |
| Return on assets (ROA) | 0.7705% | 3,422 |
| Pretax return on assets | 1.1283% | 2,869 |
| Return on Equity (ROE) | 8.5691% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.5691% | 1,246 |
| Net charge-offs to loans | 0.2328% | 774 |
| Credit loss provision to net charge-offs | 65.4321% | 1,870 |
| Earnings coverage of net charge-offs (x) | 8.5062% | 2,058 |
| Efficiency ratio | 71.8316% | 2,607 |
| Assets per employee ($millions) | 4.2641% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6657% | 5,374 |
| Loan loss allowance to noncurrent loans | 413.0631% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 3,046 |
| Noncurrent loans to loans | 0.1611% | 4,542 |
| Net loans and leases to total assets | 57.3076% | 4,036 |
| Net loans and leases to deposits | 63.1396% | 4,359 |
| Net loans and leases to core deposits | 64.0105% | 4,536 |
| Total domestic deposits to total assets | 90.7633% | 375 |
| Equity capital to assets | 8.6165% | 5,138 |
| Core capital (leverage) ratio | 9.1723% | 4,521 |
| Tier 1 risk-based capital ratio | 14.2998% | 3,317 |
| Total risk-based capital ratio | 14.9442% | 3,567 |
| Memoranda: | ||
| Average total assets | $225,830,500 | 2,742 |
| Average earning assets | $205,582,000 | 2,771 |
| Average equity | $20,305,500 | 3,137 |
| Average total loans | $139,169,000 | 2,833 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2418% | 2,343 |
| Cost of funding earning assets | 0.3214% | 3,830 |
| Net interest margin | 3.9204% | 1,895 |
| Noninterest income to average assets | 0.9798% | 1,201 |
| Noninterest expense to average assets | 3.2884% | 1,601 |
| Loan and lease loss provision to assets | 0.0892% | 2,582 |
| Net operating income to assets | 0.8346% | 3,126 |
| Return on assets (ROA) | 0.8367% | 3,232 |
| Pretax return on assets | 1.1676% | 2,814 |
| Return on Equity (ROE) | 8.8082% | 2,512 |
| Retained earnings to average equity (ytd only) | 3.4501% | 3,472 |
| Net charge-offs to loans | 0.1950% | 1,417 |
| Credit loss provision to net charge-offs | 71.6981% | 3,110 |
| Earnings coverage of net charge-offs (x) | 10.0792% | 2,682 |
| Efficiency ratio | 72.3928% | 2,528 |
| Assets per employee ($millions) | 3.8013% | 4,311 |
| Cash dividends to net income (ytd only)* | 60.8305% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6722% | 5,410 |
| Loan loss allowance to noncurrent loans | 359.3156% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 2,912 |
| Noncurrent loans to loans | 0.1871% | 4,489 |
| Net loans and leases to total assets | 65.5942% | 3,135 |
| Net loans and leases to deposits | 72.9421% | 3,620 |
| Net loans and leases to core deposits | 74.0825% | 3,917 |
| Total domestic deposits to total assets | 89.9264% | 666 |
| Equity capital to assets | 9.4121% | 4,361 |
| Core capital (leverage) ratio | 9.3065% | 4,343 |
| Tier 1 risk-based capital ratio | 14.1731% | 3,364 |
| Total risk-based capital ratio | 14.8457% | 3,616 |
| Memoranda: | ||
| Average total assets | $212,992,200 | 2,825 |
| Average earning assets | $193,550,200 | 2,865 |
| Average equity | $20,231,200 | 3,147 |
| Average total loans | $135,884,200 | 2,831 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2143% | 2,464 |
| Cost of funding earning assets | 0.3174% | 3,901 |
| Net interest margin | 3.8969% | 1,987 |
| Noninterest income to average assets | 0.9551% | 1,246 |
| Noninterest expense to average assets | 3.2415% | 1,705 |
| Loan and lease loss provision to assets | 0.0601% | 3,056 |
| Net operating income to assets | 0.8103% | 3,322 |
| Return on assets (ROA) | 0.8124% | 3,446 |
| Pretax return on assets | 1.1992% | 2,843 |
| Return on Equity (ROE) | 8.5336% | 2,746 |
| Retained earnings to average equity (ytd only) | 5.5686% | 2,447 |
| Net charge-offs to loans | 0.0881% | 2,081 |
| Credit loss provision to net charge-offs | 107.8652% | 2,247 |
| Earnings coverage of net charge-offs (x) | 22.5512% | 1,749 |
| Efficiency ratio | 72.0707% | 2,572 |
| Assets per employee ($millions) | 3.7755% | 4,351 |
| Cash dividends to net income (ytd only)* | 34.7459% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7482% | 5,320 |
| Loan loss allowance to noncurrent loans | 197.5000% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.6291% | 3,023 |
| Noncurrent loans to loans | 0.3788% | 3,905 |
| Net loans and leases to total assets | 64.4366% | 3,342 |
| Net loans and leases to deposits | 72.0305% | 3,803 |
| Net loans and leases to core deposits | 73.1698% | 4,067 |
| Total domestic deposits to total assets | 89.4574% | 696 |
| Equity capital to assets | 9.7839% | 4,376 |
| Core capital (leverage) ratio | 9.4978% | 4,188 |
| Tier 1 risk-based capital ratio | 13.9496% | 3,587 |
| Total risk-based capital ratio | 14.6635% | 3,821 |
| Memoranda: | ||
| Average total assets | $213,021,750 | 2,838 |
| Average earning assets | $193,651,750 | 2,872 |
| Average equity | $20,280,000 | 3,162 |
| Average total loans | $134,710,750 | 2,850 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1890% | 2,545 |
| Cost of funding earning assets | 0.3130% | 3,986 |
| Net interest margin | 3.8760% | 2,058 |
| Noninterest income to average assets | 0.9309% | 1,289 |
| Noninterest expense to average assets | 3.2123% | 1,783 |
| Loan and lease loss provision to assets | 0.0562% | 3,017 |
| Net operating income to assets | 0.8057% | 3,285 |
| Return on assets (ROA) | 0.8082% | 3,406 |
| Pretax return on assets | 1.1922% | 2,806 |
| Return on Equity (ROE) | 8.5680% | 2,718 |
| Retained earnings to average equity (ytd only) | 6.9994% | 1,599 |
| Net charge-offs to loans | 0.1509% | 1,422 |
| Credit loss provision to net charge-offs | 59.4059% | 2,587 |
| Earnings coverage of net charge-offs (x) | 13.1584% | 2,141 |
| Efficiency ratio | 72.0740% | 2,640 |
| Assets per employee ($millions) | 3.8668% | 4,142 |
| Cash dividends to net income (ytd only)* | 18.3082% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7452% | 5,422 |
| Loan loss allowance to noncurrent loans | 186.8321% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 3,351 |
| Noncurrent loans to loans | 0.3989% | 3,930 |
| Net loans and leases to total assets | 60.2144% | 3,857 |
| Net loans and leases to deposits | 66.9687% | 4,270 |
| Net loans and leases to core deposits | 67.9965% | 4,473 |
| Total domestic deposits to total assets | 89.9142% | 522 |
| Equity capital to assets | 9.5187% | 4,755 |
| Core capital (leverage) ratio | 9.1800% | 4,624 |
| Tier 1 risk-based capital ratio | 14.9518% | 3,096 |
| Total risk-based capital ratio | 15.6855% | 3,285 |
| Memoranda: | ||
| Average total assets | $213,553,000 | 2,848 |
| Average earning assets | $194,270,330 | 2,878 |
| Average equity | $20,144,670 | 3,184 |
| Average total loans | $133,859,670 | 2,870 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 2,385 |
| Cost of funding earning assets | 0.3093% | 4,072 |
| Net interest margin | 3.9174% | 1,887 |
| Noninterest income to average assets | 0.9092% | 1,291 |
| Noninterest expense to average assets | 3.2255% | 1,773 |
| Loan and lease loss provision to assets | 0.0453% | 3,019 |
| Net operating income to assets | 0.8180% | 3,161 |
| Return on assets (ROA) | 0.8205% | 3,274 |
| Pretax return on assets | 1.2016% | 2,695 |
| Return on Equity (ROE) | 8.7389% | 2,544 |
| Retained earnings to average equity (ytd only) | 8.7389% | 1,189 |
| Net charge-offs to loans | 0.0118% | 2,731 |
| Credit loss provision to net charge-offs | 600.0000% | 524 |
| Earnings coverage of net charge-offs (x) | 164.7500% | 368 |
| Efficiency ratio | 72.1824% | 2,774 |
| Assets per employee ($millions) | 3.9489% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7676% | 5,447 |
| Loan loss allowance to noncurrent loans | 159.5092% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.7285% | 2,891 |
| Noncurrent loans to loans | 0.4812% | 3,738 |
| Net loans and leases to total assets | 60.7979% | 3,676 |
| Net loans and leases to deposits | 67.4297% | 4,114 |
| Net loans and leases to core deposits | 68.4378% | 4,358 |
| Total domestic deposits to total assets | 90.1649% | 536 |
| Equity capital to assets | 9.1270% | 5,059 |
| Core capital (leverage) ratio | 9.5486% | 4,102 |
| Tier 1 risk-based capital ratio | 14.2346% | 3,544 |
| Total risk-based capital ratio | 14.9876% | 3,778 |
| Memoranda: | ||
| Average total assets | $212,058,000 | 2,868 |
| Average earning assets | $192,677,000 | 2,903 |
| Average equity | $19,911,000 | 3,212 |
| Average total loans | $135,105,000 | 2,861 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3540% | 2,046 |
| Cost of funding earning assets | 0.3142% | 4,088 |
| Net interest margin | 4.0398% | 1,591 |
| Noninterest income to average assets | 0.9476% | 1,325 |
| Noninterest expense to average assets | 3.4586% | 1,370 |
| Loan and lease loss provision to assets | 0.0259% | 3,871 |
| Net operating income to assets | 0.7919% | 3,370 |
| Return on assets (ROA) | 0.7951% | 3,441 |
| Pretax return on assets | 1.1022% | 3,051 |
| Return on Equity (ROE) | 8.1771% | 2,854 |
| Retained earnings to average equity (ytd only) | 2.6505% | 4,181 |
| Net charge-offs to loans | 0.4297% | 651 |
| Credit loss provision to net charge-offs | 9.3525% | 3,826 |
| Earnings coverage of net charge-offs (x) | 4.0540% | 3,617 |
| Efficiency ratio | 75.4787% | 2,357 |
| Assets per employee ($millions) | 3.7589% | 4,360 |
| Cash dividends to net income (ytd only)* | 67.5862% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7571% | 5,511 |
| Loan loss allowance to noncurrent loans | 143.4599% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.8282% | 2,595 |
| Noncurrent loans to loans | 0.5277% | 3,582 |
| Net loans and leases to total assets | 65.8705% | 2,999 |
| Net loans and leases to deposits | 75.6420% | 3,301 |
| Net loans and leases to core deposits | 76.4801% | 3,713 |
| Total domestic deposits to total assets | 87.0820% | 2,087 |
| Equity capital to assets | 9.6753% | 4,334 |
| Core capital (leverage) ratio | 9.4808% | 4,201 |
| Tier 1 risk-based capital ratio | 12.8906% | 4,391 |
| Total risk-based capital ratio | 13.5767% | 4,639 |
| Memoranda: | ||
| Average total assets | $200,602,600 | 2,946 |
| Average earning assets | $180,479,600 | 2,995 |
| Average equity | $19,505,600 | 3,219 |
| Average total loans | $129,389,200 | 2,893 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3139% | 2,185 |
| Cost of funding earning assets | 0.3117% | 4,204 |
| Net interest margin | 4.0022% | 1,694 |
| Noninterest income to average assets | 0.9353% | 1,354 |
| Noninterest expense to average assets | 3.4371% | 1,403 |
| Loan and lease loss provision to assets | 0.0347% | 3,529 |
| Net operating income to assets | 0.7309% | 3,761 |
| Return on assets (ROA) | 0.7346% | 3,848 |
| Pretax return on assets | 1.0639% | 3,354 |
| Return on Equity (ROE) | 7.5456% | 3,310 |
| Retained earnings to average equity (ytd only) | 4.4096% | 3,329 |
| Net charge-offs to loans | 0.5060% | 476 |
| Credit loss provision to net charge-offs | 10.6996% | 3,446 |
| Earnings coverage of net charge-offs (x) | 3.3745% | 3,505 |
| Efficiency ratio | 75.8682% | 2,265 |
| Assets per employee ($millions) | 3.8115% | 4,246 |
| Cash dividends to net income (ytd only)* | 41.5606% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 5,510 |
| Loan loss allowance to noncurrent loans | 151.1789% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.8816% | 2,674 |
| Noncurrent loans to loans | 0.5313% | 3,749 |
| Net loans and leases to total assets | 66.6427% | 2,911 |
| Net loans and leases to deposits | 76.1092% | 3,290 |
| Net loans and leases to core deposits | 76.9514% | 3,698 |
| Total domestic deposits to total assets | 87.5620% | 1,770 |
| Equity capital to assets | 9.7688% | 4,420 |
| Core capital (leverage) ratio | 9.7935% | 3,910 |
| Tier 1 risk-based capital ratio | 13.7686% | 3,981 |
| Total risk-based capital ratio | 14.5438% | 4,185 |
| Memoranda: | ||
| Average total assets | $200,008,250 | 2,969 |
| Average earning assets | $179,662,000 | 3,026 |
| Average equity | $19,472,250 | 3,254 |
| Average total loans | $128,055,500 | 2,940 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 2,357 |
| Cost of funding earning assets | 0.3140% | 4,231 |
| Net interest margin | 3.9356% | 1,871 |
| Noninterest income to average assets | 0.9160% | 1,402 |
| Noninterest expense to average assets | 3.3862% | 1,498 |
| Loan and lease loss provision to assets | 0.0522% | 3,075 |
| Net operating income to assets | 0.6978% | 3,900 |
| Return on assets (ROA) | 0.7013% | 4,006 |
| Pretax return on assets | 1.0163% | 3,514 |
| Return on Equity (ROE) | 7.2118% | 3,481 |
| Retained earnings to average equity (ytd only) | 5.5816% | 2,484 |
| Net charge-offs to loans | 0.7506% | 301 |
| Credit loss provision to net charge-offs | 11.0403% | 3,092 |
| Earnings coverage of net charge-offs (x) | 2.2505% | 3,379 |
| Efficiency ratio | 76.0992% | 2,336 |
| Assets per employee ($millions) | 3.4363% | 4,925 |
| Cash dividends to net income (ytd only)* | 22.6037% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8633% | 5,421 |
| Loan loss allowance to noncurrent loans | 235.1064% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.7968% | 2,994 |
| Noncurrent loans to loans | 0.3672% | 4,388 |
| Net loans and leases to total assets | 63.6647% | 3,313 |
| Net loans and leases to deposits | 71.0561% | 3,821 |
| Net loans and leases to core deposits | 72.0286% | 4,131 |
| Total domestic deposits to total assets | 89.5979% | 848 |
| Equity capital to assets | 9.7604% | 4,328 |
| Core capital (leverage) ratio | 9.2544% | 4,612 |
| Tier 1 risk-based capital ratio | 14.8993% | 3,417 |
| Total risk-based capital ratio | 15.7557% | 3,562 |
| Memoranda: | ||
| Average total assets | $199,341,000 | 3,001 |
| Average earning assets | $178,981,330 | 3,055 |
| Average equity | $19,385,000 | 3,277 |
| Average total loans | $125,502,330 | 2,990 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2369% | 2,321 |
| Cost of funding earning assets | 0.3014% | 4,426 |
| Net interest margin | 3.9355% | 1,767 |
| Noninterest income to average assets | 0.8848% | 1,438 |
| Noninterest expense to average assets | 3.3267% | 1,653 |
| Loan and lease loss provision to assets | 0.1063% | 1,930 |
| Net operating income to assets | 0.6774% | 3,911 |
| Return on assets (ROA) | 0.6842% | 4,008 |
| Pretax return on assets | 0.9992% | 3,513 |
| Return on Equity (ROE) | 7.0487% | 3,483 |
| Retained earnings to average equity (ytd only) | 7.0487% | 1,992 |
| Net charge-offs to loans | 0.0258% | 2,649 |
| Credit loss provision to net charge-offs | 662.5000% | 444 |
| Earnings coverage of net charge-offs (x) | 68.2500% | 660 |
| Efficiency ratio | 75.2269% | 2,627 |
| Assets per employee ($millions) | 3.5587% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 3,541 |
| Loan loss allowance to noncurrent loans | 284.2391% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.8362% | 2,993 |
| Noncurrent loans to loans | 0.4490% | 4,237 |
| Net loans and leases to total assets | 58.7979% | 3,832 |
| Net loans and leases to deposits | 65.4675% | 4,204 |
| Net loans and leases to core deposits | 66.3284% | 4,489 |
| Total domestic deposits to total assets | 89.8124% | 836 |
| Equity capital to assets | 9.4914% | 4,763 |
| Core capital (leverage) ratio | 9.5235% | 4,236 |
| Tier 1 risk-based capital ratio | 15.5196% | 3,132 |
| Total risk-based capital ratio | 16.7699% | 3,077 |
| Memoranda: | ||
| Average total assets | $199,359,000 | 3,018 |
| Average earning assets | $179,189,000 | 3,076 |
| Average equity | $19,351,000 | 3,306 |
| Average total loans | $124,257,500 | 3,007 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 2,159 |
| Cost of funding earning assets | 0.3449% | 4,309 |
| Net interest margin | 4.0748% | 1,663 |
| Noninterest income to average assets | 0.9531% | 1,338 |
| Noninterest expense to average assets | 3.2805% | 1,974 |
| Loan and lease loss provision to assets | 0.1739% | 1,488 |
| Net operating income to assets | 0.8037% | 3,353 |
| Return on assets (ROA) | 0.8366% | 3,285 |
| Pretax return on assets | 1.1890% | 2,693 |
| Return on Equity (ROE) | 8.8860% | 2,645 |
| Retained earnings to average equity (ytd only) | 3.0576% | 4,069 |
| Net charge-offs to loans | 0.1777% | 2,250 |
| Credit loss provision to net charge-offs | 160.3687% | 1,506 |
| Earnings coverage of net charge-offs (x) | 12.1336% | 2,416 |
| Efficiency ratio | 71.3711% | 3,315 |
| Assets per employee ($millions) | 3.2595% | 5,332 |
| Cash dividends to net income (ytd only)* | 65.5914% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 3,912 |
| Loan loss allowance to noncurrent loans | 160.0840% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 1.2090% | 2,358 |
| Noncurrent loans to loans | 0.7581% | 3,428 |
| Net loans and leases to total assets | 64.5096% | 3,142 |
| Net loans and leases to deposits | 72.1580% | 3,663 |
| Net loans and leases to core deposits | 72.9566% | 4,031 |
| Total domestic deposits to total assets | 89.4005% | 1,016 |
| Equity capital to assets | 9.9375% | 4,195 |
| Core capital (leverage) ratio | 9.6669% | 4,021 |
| Tier 1 risk-based capital ratio | 14.5909% | 3,725 |
| Total risk-based capital ratio | 15.7717% | 3,706 |
| Memoranda: | ||
| Average total assets | $200,090,800 | 2,997 |
| Average earning assets | $178,905,600 | 3,059 |
| Average equity | $18,838,600 | 3,306 |
| Average total loans | $122,103,800 | 3,001 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3686% | 2,354 |
| Cost of funding earning assets | 0.3474% | 4,363 |
| Net interest margin | 4.0211% | 1,819 |
| Noninterest income to average assets | 0.9338% | 1,412 |
| Noninterest expense to average assets | 3.1571% | 2,303 |
| Loan and lease loss provision to assets | 0.1551% | 1,603 |
| Net operating income to assets | 0.8304% | 3,288 |
| Return on assets (ROA) | 0.8672% | 3,176 |
| Pretax return on assets | 1.2730% | 2,485 |
| Return on Equity (ROE) | 9.3336% | 2,532 |
| Retained earnings to average equity (ytd only) | 5.9596% | 2,439 |
| Net charge-offs to loans | 0.2068% | 1,813 |
| Credit loss provision to net charge-offs | 125.0000% | 1,833 |
| Earnings coverage of net charge-offs (x) | 11.0745% | 2,473 |
| Efficiency ratio | 69.6767% | 3,569 |
| Assets per employee ($millions) | 3.2429% | 5,346 |
| Cash dividends to net income (ytd only)* | 36.1492% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 4,494 |
| Loan loss allowance to noncurrent loans | 196.1853% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 1.1178% | 2,717 |
| Noncurrent loans to loans | 0.5868% | 4,165 |
| Net loans and leases to total assets | 63.5508% | 3,254 |
| Net loans and leases to deposits | 71.1784% | 3,773 |
| Net loans and leases to core deposits | 72.4457% | 4,108 |
| Total domestic deposits to total assets | 89.2838% | 1,087 |
| Equity capital to assets | 9.8456% | 4,367 |
| Core capital (leverage) ratio | 9.3182% | 4,617 |
| Tier 1 risk-based capital ratio | 14.7524% | 3,729 |
| Total risk-based capital ratio | 15.8647% | 3,750 |
| Memoranda: | ||
| Average total assets | $202,035,750 | 2,992 |
| Average earning assets | $180,740,250 | 3,047 |
| Average equity | $18,770,500 | 3,331 |
| Average total loans | $121,234,000 | 3,031 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3012% | 2,577 |
| Cost of funding earning assets | 0.3542% | 4,388 |
| Net interest margin | 3.9469% | 1,985 |
| Noninterest income to average assets | 0.9182% | 1,434 |
| Noninterest expense to average assets | 3.1380% | 2,366 |
| Loan and lease loss provision to assets | 0.1222% | 2,009 |
| Net operating income to assets | 0.8115% | 3,271 |
| Return on assets (ROA) | 0.8361% | 3,239 |
| Pretax return on assets | 1.2243% | 2,554 |
| Return on Equity (ROE) | 9.1730% | 2,519 |
| Retained earnings to average equity (ytd only) | 7.4671% | 1,532 |
| Net charge-offs to loans | 0.0767% | 2,926 |
| Credit loss provision to net charge-offs | 271.7391% | 927 |
| Earnings coverage of net charge-offs (x) | 29.1304% | 1,279 |
| Efficiency ratio | 70.5430% | 3,566 |
| Assets per employee ($millions) | 3.4546% | 4,933 |
| Cash dividends to net income (ytd only)* | 18.5965% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 4,460 |
| Loan loss allowance to noncurrent loans | 255.1127% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 1.0107% | 3,046 |
| Noncurrent loans to loans | 0.4673% | 4,596 |
| Net loans and leases to total assets | 58.8552% | 3,884 |
| Net loans and leases to deposits | 65.2153% | 4,360 |
| Net loans and leases to core deposits | 66.4906% | 4,593 |
| Total domestic deposits to total assets | 90.2476% | 689 |
| Equity capital to assets | 9.1367% | 5,170 |
| Core capital (leverage) ratio | 9.0638% | 4,921 |
| Tier 1 risk-based capital ratio | 14.4132% | 3,983 |
| Total risk-based capital ratio | 15.5340% | 4,010 |
| Memoranda: | ||
| Average total assets | $204,522,670 | 2,974 |
| Average earning assets | $182,926,670 | 3,044 |
| Average equity | $18,641,670 | 3,335 |
| Average total loans | $119,947,330 | 3,063 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 2,717 |
| Cost of funding earning assets | 0.3643% | 4,390 |
| Net interest margin | 3.8766% | 2,169 |
| Noninterest income to average assets | 0.9628% | 1,221 |
| Noninterest expense to average assets | 3.2213% | 2,153 |
| Loan and lease loss provision to assets | 0.1044% | 2,181 |
| Net operating income to assets | 0.7567% | 3,374 |
| Return on assets (ROA) | 0.7581% | 3,452 |
| Pretax return on assets | 1.0967% | 2,917 |
| Return on Equity (ROE) | 8.3273% | 2,780 |
| Retained earnings to average equity (ytd only) | 8.3273% | 1,487 |
| Net charge-offs to loans | 0.0778% | 2,374 |
| Credit loss provision to net charge-offs | 230.4348% | 949 |
| Earnings coverage of net charge-offs (x) | 26.4783% | 1,127 |
| Efficiency ratio | 72.8731% | 3,327 |
| Assets per employee ($millions) | 3.5265% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 4,641 |
| Loan loss allowance to noncurrent loans | 207.4344% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 1.2145% | 2,835 |
| Noncurrent loans to loans | 0.5778% | 4,430 |
| Net loans and leases to total assets | 56.3818% | 4,097 |
| Net loans and leases to deposits | 62.4682% | 4,494 |
| Net loans and leases to core deposits | 63.5680% | 4,727 |
| Total domestic deposits to total assets | 90.2568% | 935 |
| Equity capital to assets | 9.0189% | 5,101 |
| Core capital (leverage) ratio | 9.2939% | 4,584 |
| Tier 1 risk-based capital ratio | 14.6860% | 3,895 |
| Total risk-based capital ratio | 15.7865% | 3,934 |
| Memoranda: | ||
| Average total assets | $203,147,500 | 3,019 |
| Average earning assets | $181,189,000 | 3,077 |
| Average equity | $18,493,500 | 3,354 |
| Average total loans | $118,189,500 | 3,108 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2251% | 3,249 |
| Cost of funding earning assets | 0.4237% | 4,391 |
| Net interest margin | 3.8014% | 2,651 |
| Noninterest income to average assets | 0.8822% | 1,743 |
| Noninterest expense to average assets | 3.2071% | 2,392 |
| Loan and lease loss provision to assets | 0.1109% | 2,957 |
| Net operating income to assets | 0.7123% | 3,740 |
| Return on assets (ROA) | 0.7138% | 3,815 |
| Pretax return on assets | 0.9492% | 3,562 |
| Return on Equity (ROE) | 7.4640% | 3,312 |
| Retained earnings to average equity (ytd only) | 2.0400% | 4,791 |
| Net charge-offs to loans | 0.2103% | 2,782 |
| Credit loss provision to net charge-offs | 92.8270% | 2,681 |
| Earnings coverage of net charge-offs (x) | 8.8565% | 2,595 |
| Efficiency ratio | 75.1921% | 2,917 |
| Assets per employee ($millions) | 3.2497% | 5,391 |
| Cash dividends to net income (ytd only)* | 72.6695% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 4,736 |
| Loan loss allowance to noncurrent loans | 256.5378% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 1.3146% | 2,793 |
| Noncurrent loans to loans | 0.4616% | 4,844 |
| Net loans and leases to total assets | 58.6451% | 3,926 |
| Net loans and leases to deposits | 65.0205% | 4,412 |
| Net loans and leases to core deposits | 67.5903% | 4,553 |
| Total domestic deposits to total assets | 90.1949% | 972 |
| Equity capital to assets | 9.1922% | 4,812 |
| Core capital (leverage) ratio | 9.0808% | 4,884 |
| Tier 1 risk-based capital ratio | 14.5148% | 3,945 |
| Total risk-based capital ratio | 15.6068% | 3,990 |
| Memoranda: | ||
| Average total assets | $198,370,400 | 3,052 |
| Average earning assets | $176,539,800 | 3,121 |
| Average equity | $18,971,000 | 3,283 |
| Average total loans | $112,703,200 | 3,192 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1487% | 3,571 |
| Cost of funding earning assets | 0.4311% | 4,495 |
| Net interest margin | 3.7176% | 2,965 |
| Noninterest income to average assets | 0.8434% | 1,966 |
| Noninterest expense to average assets | 3.1672% | 2,457 |
| Loan and lease loss provision to assets | 0.0302% | 4,401 |
| Net operating income to assets | 0.6721% | 4,004 |
| Return on assets (ROA) | 0.6740% | 4,136 |
| Pretax return on assets | 0.9576% | 3,658 |
| Return on Equity (ROE) | 6.9803% | 3,659 |
| Retained earnings to average equity (ytd only) | 5.2822% | 2,885 |
| Net charge-offs to loans | 0.0682% | 3,945 |
| Credit loss provision to net charge-offs | 78.9474% | 2,873 |
| Earnings coverage of net charge-offs (x) | 25.7187% | 1,377 |
| Efficiency ratio | 76.2745% | 2,687 |
| Assets per employee ($millions) | 3.3582% | 5,166 |
| Cash dividends to net income (ytd only)* | 24.3274% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 4,950 |
| Loan loss allowance to noncurrent loans | 132.0113% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 1.2985% | 3,060 |
| Noncurrent loans to loans | 0.8959% | 4,033 |
| Net loans and leases to total assets | 57.0210% | 4,164 |
| Net loans and leases to deposits | 63.2161% | 4,601 |
| Net loans and leases to core deposits | 65.8535% | 4,729 |
| Total domestic deposits to total assets | 90.2001% | 894 |
| Equity capital to assets | 9.1297% | 5,015 |
| Core capital (leverage) ratio | 9.2514% | 4,754 |
| Tier 1 risk-based capital ratio | 14.6451% | 3,990 |
| Total risk-based capital ratio | 15.7311% | 4,034 |
| Memoranda: | ||
| Average total assets | $198,404,750 | 3,078 |
| Average earning assets | $176,596,750 | 3,150 |
| Average equity | $19,158,250 | 3,297 |
| Average total loans | $111,467,250 | 3,238 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0875% | 3,788 |
| Cost of funding earning assets | 0.4426% | 4,512 |
| Net interest margin | 3.6449% | 3,198 |
| Noninterest income to average assets | 0.8326% | 2,055 |
| Noninterest expense to average assets | 3.1754% | 2,426 |
| Loan and lease loss provision to assets | 0.0102% | 4,666 |
| Net operating income to assets | 0.6348% | 4,131 |
| Return on assets (ROA) | 0.6369% | 4,272 |
| Pretax return on assets | 0.8978% | 3,919 |
| Return on Equity (ROE) | 6.4732% | 3,894 |
| Retained earnings to average equity (ytd only) | 6.4732% | 2,162 |
| Net charge-offs to loans | 0.0494% | 3,985 |
| Credit loss provision to net charge-offs | 37.0370% | 3,473 |
| Earnings coverage of net charge-offs (x) | 32.8889% | 1,074 |
| Efficiency ratio | 77.8222% | 2,491 |
| Assets per employee ($millions) | 3.2640% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 4,684 |
| Loan loss allowance to noncurrent loans | 219.3701% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 1.0378% | 3,681 |
| Noncurrent loans to loans | 0.5753% | 4,822 |
| Net loans and leases to total assets | 52.9944% | 4,737 |
| Net loans and leases to deposits | 58.8694% | 5,083 |
| Net loans and leases to core deposits | 61.3194% | 5,151 |
| Total domestic deposits to total assets | 90.0202% | 1,011 |
| Equity capital to assets | 9.3296% | 4,814 |
| Core capital (leverage) ratio | 9.1530% | 4,753 |
| Tier 1 risk-based capital ratio | 15.2394% | 3,633 |
| Total risk-based capital ratio | 16.3715% | 3,659 |
| Memoranda: | ||
| Average total assets | $196,256,670 | 3,113 |
| Average earning assets | $174,874,670 | 3,192 |
| Average equity | $19,310,330 | 3,292 |
| Average total loans | $109,221,330 | 3,292 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1820% | 3,374 |
| Cost of funding earning assets | 0.4589% | 4,498 |
| Net interest margin | 3.7230% | 2,765 |
| Noninterest income to average assets | 0.8686% | 1,871 |
| Noninterest expense to average assets | 3.2448% | 2,213 |
| Loan and lease loss provision to assets | 0.0104% | 4,320 |
| Net operating income to assets | 0.6512% | 3,955 |
| Return on assets (ROA) | 0.6556% | 4,083 |
| Pretax return on assets | 0.9229% | 3,677 |
| Return on Equity (ROE) | 6.4832% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.4832% | 2,413 |
| Net charge-offs to loans | 0.0110% | 3,925 |
| Credit loss provision to net charge-offs | 166.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 269 |
| Efficiency ratio | 77.7778% | 2,645 |
| Assets per employee ($millions) | 3.2006% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 4,552 |
| Loan loss allowance to noncurrent loans | 268.9524% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 1.0165% | 3,893 |
| Noncurrent loans to loans | 0.4951% | 5,190 |
| Net loans and leases to total assets | 52.7311% | 4,593 |
| Net loans and leases to deposits | 58.8314% | 4,936 |
| Net loans and leases to core deposits | 61.2930% | 5,017 |
| Total domestic deposits to total assets | 89.6309% | 1,274 |
| Equity capital to assets | 9.8123% | 4,403 |
| Core capital (leverage) ratio | 9.8234% | 3,633 |
| Tier 1 risk-based capital ratio | 15.6010% | 3,471 |
| Total risk-based capital ratio | 16.7793% | 3,470 |
| Memoranda: | ||
| Average total assets | $191,567,500 | 3,205 |
| Average earning assets | $169,968,500 | 3,280 |
| Average equity | $19,373,000 | 3,330 |
| Average total loans | $108,648,000 | 3,318 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5663% | 3,140 |
| Cost of funding earning assets | 0.5537% | 4,783 |
| Net interest margin | 4.0126% | 2,350 |
| Noninterest income to average assets | 0.8392% | 2,086 |
| Noninterest expense to average assets | 3.3907% | 2,070 |
| Loan and lease loss provision to assets | 0.0918% | 4,528 |
| Net operating income to assets | 0.6903% | 3,782 |
| Return on assets (ROA) | 0.9469% | 2,820 |
| Pretax return on assets | 1.2325% | 2,666 |
| Return on Equity (ROE) | 9.1211% | 2,585 |
| Retained earnings to average equity (ytd only) | 1.3804% | 5,188 |
| Net charge-offs to loans | 0.6240% | 1,879 |
| Credit loss provision to net charge-offs | 24.6088% | 5,210 |
| Earnings coverage of net charge-offs (x) | 2.6558% | 4,102 |
| Efficiency ratio | 77.3834% | 2,534 |
| Assets per employee ($millions) | 3.0783% | 5,885 |
| Cash dividends to net income (ytd only)* | 84.8655% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 4,793 |
| Loan loss allowance to noncurrent loans | 320.4545% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 1.0823% | 3,857 |
| Noncurrent loans to loans | 0.3955% | 5,507 |
| Net loans and leases to total assets | 59.4678% | 3,688 |
| Net loans and leases to deposits | 66.8547% | 4,156 |
| Net loans and leases to core deposits | 69.8900% | 4,328 |
| Total domestic deposits to total assets | 88.9507% | 1,595 |
| Equity capital to assets | 10.4358% | 3,610 |
| Core capital (leverage) ratio | 9.8526% | 3,603 |
| Tier 1 risk-based capital ratio | 15.2257% | 3,599 |
| Total risk-based capital ratio | 16.3834% | 3,598 |
| Memoranda: | ||
| Average total assets | $188,399,200 | 3,195 |
| Average earning assets | $166,325,800 | 3,284 |
| Average equity | $19,559,000 | 3,256 |
| Average total loans | $112,662,600 | 3,236 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 3,385 |
| Cost of funding earning assets | 0.5666% | 4,947 |
| Net interest margin | 3.9935% | 2,527 |
| Noninterest income to average assets | 0.7669% | 2,395 |
| Noninterest expense to average assets | 3.4325% | 1,925 |
| Loan and lease loss provision to assets | 0.1218% | 4,032 |
| Net operating income to assets | 0.5320% | 4,700 |
| Return on assets (ROA) | 0.5380% | 4,938 |
| Pretax return on assets | 0.7500% | 4,677 |
| Return on Equity (ROE) | 5.1892% | 4,729 |
| Retained earnings to average equity (ytd only) | 3.4572% | 4,431 |
| Net charge-offs to loans | 0.6512% | 1,684 |
| Credit loss provision to net charge-offs | 31.3406% | 4,781 |
| Earnings coverage of net charge-offs (x) | 2.2210% | 4,151 |
| Efficiency ratio | 79.9016% | 2,108 |
| Assets per employee ($millions) | 3.1070% | 5,834 |
| Cash dividends to net income (ytd only)* | 33.3769% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3961% | 4,392 |
| Loan loss allowance to noncurrent loans | 193.6725% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 1.2901% | 3,713 |
| Noncurrent loans to loans | 0.7209% | 4,989 |
| Net loans and leases to total assets | 58.1706% | 4,106 |
| Net loans and leases to deposits | 65.4479% | 4,542 |
| Net loans and leases to core deposits | 68.4203% | 4,685 |
| Total domestic deposits to total assets | 88.8807% | 1,494 |
| Equity capital to assets | 10.5869% | 3,747 |
| Core capital (leverage) ratio | 9.6873% | 3,983 |
| Tier 1 risk-based capital ratio | 14.6970% | 4,047 |
| Total risk-based capital ratio | 15.9468% | 4,017 |
| Memoranda: | ||
| Average total assets | $189,324,000 | 3,215 |
| Average earning assets | $167,301,250 | 3,298 |
| Average equity | $19,630,000 | 3,274 |
| Average total loans | $113,016,500 | 3,255 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5776% | 3,449 |
| Cost of funding earning assets | 0.5773% | 5,098 |
| Net interest margin | 4.0003% | 2,501 |
| Noninterest income to average assets | 0.6816% | 2,762 |
| Noninterest expense to average assets | 3.4683% | 1,860 |
| Loan and lease loss provision to assets | 0.1828% | 3,275 |
| Net operating income to assets | 0.4154% | 5,163 |
| Return on assets (ROA) | 0.4248% | 5,362 |
| Pretax return on assets | 0.5728% | 5,238 |
| Return on Equity (ROE) | 4.1263% | 5,208 |
| Retained earnings to average equity (ytd only) | 4.1263% | 3,864 |
| Net charge-offs to loans | 0.8940% | 1,231 |
| Credit loss provision to net charge-offs | 34.1223% | 4,375 |
| Earnings coverage of net charge-offs (x) | 1.3866% | 4,316 |
| Efficiency ratio | 82.3588% | 1,837 |
| Assets per employee ($millions) | 3.0719% | 5,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4744% | 4,142 |
| Loan loss allowance to noncurrent loans | 191.6468% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 1.2851% | 3,855 |
| Noncurrent loans to loans | 0.7694% | 4,968 |
| Net loans and leases to total assets | 55.4524% | 4,553 |
| Net loans and leases to deposits | 62.0988% | 4,980 |
| Net loans and leases to core deposits | 64.6443% | 5,137 |
| Total domestic deposits to total assets | 89.2972% | 1,335 |
| Equity capital to assets | 10.2435% | 3,997 |
| Core capital (leverage) ratio | 9.4583% | 4,202 |
| Tier 1 risk-based capital ratio | 14.7369% | 3,942 |
| Total risk-based capital ratio | 15.9876% | 3,903 |
| Memoranda: | ||
| Average total assets | $189,256,330 | 3,225 |
| Average earning assets | $166,988,000 | 3,314 |
| Average equity | $19,485,000 | 3,286 |
| Average total loans | $113,418,670 | 3,262 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6338% | 3,345 |
| Cost of funding earning assets | 0.5956% | 5,171 |
| Net interest margin | 4.0382% | 2,340 |
| Noninterest income to average assets | 0.8080% | 2,128 |
| Noninterest expense to average assets | 3.4780% | 1,807 |
| Loan and lease loss provision to assets | 0.3271% | 1,911 |
| Net operating income to assets | 0.4107% | 5,207 |
| Return on assets (ROA) | 0.4297% | 5,314 |
| Pretax return on assets | 0.5793% | 5,187 |
| Return on Equity (ROE) | 4.1625% | 5,219 |
| Retained earnings to average equity (ytd only) | 4.1625% | 4,095 |
| Net charge-offs to loans | 0.2663% | 2,603 |
| Credit loss provision to net charge-offs | 198.7013% | 1,352 |
| Earnings coverage of net charge-offs (x) | 5.3506% | 2,392 |
| Efficiency ratio | 79.7940% | 2,225 |
| Assets per employee ($millions) | 3.1820% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 3,198 |
| Loan loss allowance to noncurrent loans | 102.4390% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 2.5740% | 2,298 |
| Noncurrent loans to loans | 1.6966% | 3,563 |
| Net loans and leases to total assets | 57.7742% | 4,071 |
| Net loans and leases to deposits | 64.3696% | 4,582 |
| Net loans and leases to core deposits | 67.1391% | 4,784 |
| Total domestic deposits to total assets | 89.7538% | 1,218 |
| Equity capital to assets | 9.8468% | 4,313 |
| Core capital (leverage) ratio | 9.7863% | 3,664 |
| Tier 1 risk-based capital ratio | 13.7370% | 4,654 |
| Total risk-based capital ratio | 14.9905% | 4,639 |
| Memoranda: | ||
| Average total assets | $187,120,500 | 3,269 |
| Average earning assets | $164,529,000 | 3,368 |
| Average equity | $19,315,500 | 3,306 |
| Average total loans | $115,667,000 | 3,240 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0802% | 2,528 |
| Cost of funding earning assets | 0.6436% | 5,861 |
| Net interest margin | 4.4366% | 1,298 |
| Noninterest income to average assets | 0.4283% | 4,381 |
| Noninterest expense to average assets | 3.5678% | 1,810 |
| Loan and lease loss provision to assets | 0.3052% | 3,225 |
| Net operating income to assets | 0.3451% | 5,090 |
| Return on assets (ROA) | 0.3451% | 5,243 |
| Pretax return on assets | 0.3879% | 5,329 |
| Return on Equity (ROE) | 3.1961% | 5,202 |
| Retained earnings to average equity (ytd only) | 0.1874% | 5,754 |
| Net charge-offs to loans | 0.7394% | 2,297 |
| Credit loss provision to net charge-offs | 62.9930% | 5,089 |
| Earnings coverage of net charge-offs (x) | 1.4304% | 4,696 |
| Efficiency ratio | 83.7335% | 1,795 |
| Assets per employee ($millions) | 2.8542% | 6,371 |
| Cash dividends to net income (ytd only)* | 94.1368% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6820% | 3,270 |
| Loan loss allowance to noncurrent loans | 131.4363% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 2.5407% | 2,390 |
| Noncurrent loans to loans | 1.2797% | 4,230 |
| Net loans and leases to total assets | 64.0826% | 3,174 |
| Net loans and leases to deposits | 72.3593% | 3,750 |
| Net loans and leases to core deposits | 76.2963% | 3,944 |
| Total domestic deposits to total assets | 88.5618% | 1,813 |
| Equity capital to assets | 10.8528% | 3,137 |
| Core capital (leverage) ratio | 10.1307% | 3,191 |
| Tier 1 risk-based capital ratio | 14.1528% | 4,214 |
| Total risk-based capital ratio | 15.4062% | 4,168 |
| Memoranda: | ||
| Average total assets | $177,894,400 | 3,366 |
| Average earning assets | $153,675,000 | 3,517 |
| Average equity | $19,211,200 | 3,253 |
| Average total loans | $116,588,600 | 3,242 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1182% | 2,522 |
| Cost of funding earning assets | 0.6499% | 6,034 |
| Net interest margin | 4.4683% | 1,222 |
| Noninterest income to average assets | 0.9663% | 1,435 |
| Noninterest expense to average assets | 3.5681% | 1,777 |
| Loan and lease loss provision to assets | 0.3076% | 3,066 |
| Net operating income to assets | 0.6534% | 3,856 |
| Return on assets (ROA) | 0.6534% | 4,022 |
| Pretax return on assets | 0.9401% | 3,619 |
| Return on Equity (ROE) | 6.0583% | 3,996 |
| Retained earnings to average equity (ytd only) | 3.5323% | 4,226 |
| Net charge-offs to loans | 0.9079% | 1,763 |
| Credit loss provision to net charge-offs | 51.6332% | 4,998 |
| Earnings coverage of net charge-offs (x) | 2.0942% | 4,097 |
| Efficiency ratio | 74.0908% | 3,163 |
| Assets per employee ($millions) | 2.8001% | 6,486 |
| Cash dividends to net income (ytd only)* | 41.6952% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 3,686 |
| Loan loss allowance to noncurrent loans | 166.8744% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 2.8689% | 2,258 |
| Noncurrent loans to loans | 0.9569% | 4,969 |
| Net loans and leases to total assets | 65.4632% | 3,016 |
| Net loans and leases to deposits | 74.2279% | 3,629 |
| Net loans and leases to core deposits | 76.4510% | 4,142 |
| Total domestic deposits to total assets | 88.1922% | 1,933 |
| Equity capital to assets | 11.1542% | 2,998 |
| Core capital (leverage) ratio | 10.7803% | 2,589 |
| Tier 1 risk-based capital ratio | 14.6345% | 3,881 |
| Total risk-based capital ratio | 15.8872% | 3,855 |
| Memoranda: | ||
| Average total assets | $178,128,250 | 3,378 |
| Average earning assets | $153,462,500 | 3,542 |
| Average equity | $19,212,750 | 3,257 |
| Average total loans | $116,900,750 | 3,265 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0932% | 2,717 |
| Cost of funding earning assets | 0.6607% | 6,168 |
| Net interest margin | 4.4326% | 1,287 |
| Noninterest income to average assets | 0.9256% | 1,554 |
| Noninterest expense to average assets | 3.4952% | 1,994 |
| Loan and lease loss provision to assets | 0.2194% | 3,726 |
| Net operating income to assets | 0.7096% | 3,493 |
| Return on assets (ROA) | 0.7096% | 3,607 |
| Pretax return on assets | 1.0330% | 3,110 |
| Return on Equity (ROE) | 6.6534% | 3,613 |
| Retained earnings to average equity (ytd only) | 5.5830% | 2,648 |
| Net charge-offs to loans | 1.4150% | 1,070 |
| Credit loss provision to net charge-offs | 23.7288% | 5,080 |
| Earnings coverage of net charge-offs (x) | 1.3547% | 4,267 |
| Efficiency ratio | 73.6209% | 3,437 |
| Assets per employee ($millions) | 2.7954% | 6,478 |
| Cash dividends to net income (ytd only)* | 16.0883% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 4,550 |
| Loan loss allowance to noncurrent loans | 93.1389% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 4.1474% | 1,536 |
| Noncurrent loans to loans | 1.5074% | 4,159 |
| Net loans and leases to total assets | 63.9429% | 3,474 |
| Net loans and leases to deposits | 72.1810% | 4,082 |
| Net loans and leases to core deposits | 74.1181% | 4,568 |
| Total domestic deposits to total assets | 88.5869% | 1,796 |
| Equity capital to assets | 10.9252% | 3,032 |
| Core capital (leverage) ratio | 10.3681% | 2,859 |
| Tier 1 risk-based capital ratio | 14.4631% | 3,815 |
| Total risk-based capital ratio | 15.7052% | 3,793 |
| Memoranda: | ||
| Average total assets | $178,701,330 | 3,382 |
| Average earning assets | $154,087,330 | 3,562 |
| Average equity | $19,058,000 | 3,261 |
| Average total loans | $116,748,670 | 3,300 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0142% | 3,041 |
| Cost of funding earning assets | 0.6675% | 6,304 |
| Net interest margin | 4.3467% | 1,429 |
| Noninterest income to average assets | 0.8690% | 1,776 |
| Noninterest expense to average assets | 3.4580% | 2,123 |
| Loan and lease loss provision to assets | 0.2800% | 2,916 |
| Net operating income to assets | 0.6204% | 3,923 |
| Return on assets (ROA) | 0.6204% | 3,991 |
| Pretax return on assets | 0.8936% | 3,519 |
| Return on Equity (ROE) | 5.8892% | 3,969 |
| Retained earnings to average equity (ytd only) | 3.7206% | 3,939 |
| Net charge-offs to loans | 0.0376% | 4,583 |
| Credit loss provision to net charge-offs | 1,136.3636% | 339 |
| Earnings coverage of net charge-offs (x) | 47.6364% | 597 |
| Efficiency ratio | 74.6615% | 3,396 |
| Assets per employee ($millions) | 3.0000% | 6,144 |
| Cash dividends to net income (ytd only)* | 36.8231% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0128% | 2,381 |
| Loan loss allowance to noncurrent loans | 198.2456% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 2.7425% | 2,521 |
| Noncurrent loans to loans | 1.0153% | 5,025 |
| Net loans and leases to total assets | 62.1112% | 3,833 |
| Net loans and leases to deposits | 69.4106% | 4,447 |
| Net loans and leases to core deposits | 71.0713% | 4,922 |
| Total domestic deposits to total assets | 89.4837% | 1,491 |
| Equity capital to assets | 10.1760% | 3,564 |
| Core capital (leverage) ratio | 10.5235% | 2,590 |
| Tier 1 risk-based capital ratio | 14.1807% | 3,952 |
| Total risk-based capital ratio | 15.4353% | 3,918 |
| Memoranda: | ||
| Average total assets | $178,598,000 | 3,405 |
| Average earning assets | $154,599,500 | 3,571 |
| Average equity | $18,814,000 | 3,280 |
| Average total loans | $117,109,000 | 3,309 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3147% | 3,054 |
| Cost of funding earning assets | 0.8881% | 6,211 |
| Net interest margin | 4.4266% | 1,409 |
| Noninterest income to average assets | 0.6047% | 3,447 |
| Noninterest expense to average assets | 3.4960% | 2,191 |
| Loan and lease loss provision to assets | 1.4715% | 1,015 |
| Net operating income to assets | -0.1652% | 6,068 |
| Return on assets (ROA) | -0.1652% | 6,123 |
| Pretax return on assets | -0.5481% | 6,353 |
| Return on Equity (ROE) | -1.5358% | 6,122 |
| Retained earnings to average equity (ytd only) | -1.5358% | 5,893 |
| Net charge-offs to loans | 1.5248% | 1,437 |
| Credit loss provision to net charge-offs | 146.4424% | 2,513 |
| Earnings coverage of net charge-offs (x) | 0.9189% | 5,192 |
| Efficiency ratio | 79.1071% | 2,521 |
| Assets per employee ($millions) | 2.7613% | 6,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9421% | 2,437 |
| Loan loss allowance to noncurrent loans | 180.5755% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 2.9889% | 2,353 |
| Noncurrent loans to loans | 1.0755% | 4,937 |
| Net loans and leases to total assets | 66.6248% | 3,327 |
| Net loans and leases to deposits | 75.1960% | 3,982 |
| Net loans and leases to core deposits | 77.1501% | 4,574 |
| Total domestic deposits to total assets | 88.6016% | 1,892 |
| Equity capital to assets | 10.9235% | 2,754 |
| Core capital (leverage) ratio | 10.1952% | 2,867 |
| Tier 1 risk-based capital ratio | 14.5676% | 3,498 |
| Total risk-based capital ratio | 15.8219% | 3,457 |
| Memoranda: | ||
| Average total assets | $180,433,800 | 3,366 |
| Average earning assets | $155,493,200 | 3,536 |
| Average equity | $19,404,000 | 3,221 |
| Average total loans | $118,902,000 | 3,330 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3021% | 3,345 |
| Cost of funding earning assets | 0.9153% | 6,332 |
| Net interest margin | 4.3868% | 1,564 |
| Noninterest income to average assets | 0.8478% | 2,004 |
| Noninterest expense to average assets | 3.4175% | 2,242 |
| Loan and lease loss provision to assets | 0.3597% | 3,739 |
| Net operating income to assets | 0.5815% | 3,952 |
| Return on assets (ROA) | 0.5815% | 4,111 |
| Pretax return on assets | 0.8544% | 3,714 |
| Return on Equity (ROE) | 5.4272% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.4272% | 2,692 |
| Net charge-offs to loans | 0.4082% | 3,664 |
| Credit loss provision to net charge-offs | 134.6995% | 2,993 |
| Earnings coverage of net charge-offs (x) | 4.5464% | 3,007 |
| Efficiency ratio | 73.7870% | 3,365 |
| Assets per employee ($millions) | 2.9741% | 6,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 4,914 |
| Loan loss allowance to noncurrent loans | 58.0015% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 4.0511% | 1,722 |
| Noncurrent loans to loans | 2.2553% | 3,380 |
| Net loans and leases to total assets | 63.1733% | 4,282 |
| Net loans and leases to deposits | 71.4284% | 4,923 |
| Net loans and leases to core deposits | 73.4886% | 5,356 |
| Total domestic deposits to total assets | 88.4428% | 1,701 |
| Equity capital to assets | 10.8923% | 3,062 |
| Core capital (leverage) ratio | 10.6546% | 2,546 |
| Tier 1 risk-based capital ratio | 14.9003% | 3,301 |
| Total risk-based capital ratio | 16.0781% | 3,313 |
| Memoranda: | ||
| Average total assets | $182,742,500 | 3,384 |
| Average earning assets | $157,619,500 | 3,541 |
| Average equity | $19,579,750 | 3,243 |
| Average total loans | $119,547,500 | 3,379 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3499% | 3,212 |
| Cost of funding earning assets | 0.9473% | 6,387 |
| Net interest margin | 4.4026% | 1,437 |
| Noninterest income to average assets | 0.8222% | 2,006 |
| Noninterest expense to average assets | 3.3284% | 2,471 |
| Loan and lease loss provision to assets | 0.1976% | 4,891 |
| Net operating income to assets | 0.7234% | 3,302 |
| Return on assets (ROA) | 0.7234% | 3,454 |
| Pretax return on assets | 1.0868% | 2,820 |
| Return on Equity (ROE) | 6.7898% | 3,400 |
| Retained earnings to average equity (ytd only) | 6.7898% | 1,928 |
| Net charge-offs to loans | 0.3365% | 3,648 |
| Credit loss provision to net charge-offs | 89.1089% | 4,449 |
| Earnings coverage of net charge-offs (x) | 5.7921% | 2,599 |
| Efficiency ratio | 72.1561% | 3,793 |
| Assets per employee ($millions) | 2.8473% | 6,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 5,662 |
| Loan loss allowance to noncurrent loans | 145.4640% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 3.2128% | 2,204 |
| Noncurrent loans to loans | 0.7941% | 5,690 |
| Net loans and leases to total assets | 64.4996% | 4,160 |
| Net loans and leases to deposits | 73.5412% | 4,749 |
| Net loans and leases to core deposits | 75.5442% | 5,244 |
| Total domestic deposits to total assets | 87.7055% | 2,161 |
| Equity capital to assets | 10.7314% | 3,144 |
| Core capital (leverage) ratio | 10.3114% | 2,812 |
| Tier 1 risk-based capital ratio | 14.3611% | 3,512 |
| Total risk-based capital ratio | 15.3934% | 3,597 |
| Memoranda: | ||
| Average total assets | $182,191,330 | 3,411 |
| Average earning assets | $156,863,000 | 3,579 |
| Average equity | $19,411,330 | 3,252 |
| Average total loans | $120,052,330 | 3,408 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3682% | 3,202 |
| Cost of funding earning assets | 0.9798% | 6,467 |
| Net interest margin | 4.3885% | 1,420 |
| Noninterest income to average assets | 0.8343% | 1,868 |
| Noninterest expense to average assets | 3.3350% | 2,409 |
| Loan and lease loss provision to assets | 0.1328% | 5,240 |
| Net operating income to assets | 0.7613% | 3,150 |
| Return on assets (ROA) | 0.7613% | 3,257 |
| Pretax return on assets | 1.1331% | 2,616 |
| Return on Equity (ROE) | 7.1717% | 3,257 |
| Retained earnings to average equity (ytd only) | 7.1717% | 2,060 |
| Net charge-offs to loans | 0.0368% | 5,064 |
| Credit loss provision to net charge-offs | 545.4545% | 783 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 555 |
| Efficiency ratio | 72.4868% | 3,848 |
| Assets per employee ($millions) | 2.9570% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 5,313 |
| Loan loss allowance to noncurrent loans | 171.4620% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 3.4054% | 2,079 |
| Noncurrent loans to loans | 0.7196% | 5,886 |
| Net loans and leases to total assets | 62.9908% | 4,535 |
| Net loans and leases to deposits | 71.4756% | 5,131 |
| Net loans and leases to core deposits | 73.5120% | 5,546 |
| Total domestic deposits to total assets | 88.1290% | 1,987 |
| Equity capital to assets | 10.4013% | 3,340 |
| Core capital (leverage) ratio | 10.7082% | 2,447 |
| Tier 1 risk-based capital ratio | 14.1782% | 3,542 |
| Total risk-based capital ratio | 15.2674% | 3,609 |
| Memoranda: | ||
| Average total assets | $180,750,000 | 3,486 |
| Average earning assets | $155,134,500 | 3,666 |
| Average equity | $19,186,500 | 3,305 |
| Average total loans | $119,695,000 | 3,466 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5497% | 3,876 |
| Cost of funding earning assets | 1.3780% | 6,024 |
| Net interest margin | 4.1717% | 2,170 |
| Noninterest income to average assets | 0.7096% | 2,901 |
| Noninterest expense to average assets | 3.8226% | 1,657 |
| Loan and lease loss provision to assets | 0.5114% | 3,816 |
| Net operating income to assets | 0.0011% | 5,480 |
| Return on assets (ROA) | 0.1742% | 5,055 |
| Pretax return on assets | 0.1417% | 5,134 |
| Return on Equity (ROE) | 1.8631% | 4,959 |
| Retained earnings to average equity (ytd only) | 1.8631% | 3,792 |
| Net charge-offs to loans | 0.8374% | 2,734 |
| Credit loss provision to net charge-offs | 91.4830% | 5,953 |
| Earnings coverage of net charge-offs (x) | 0.8587% | 5,250 |
| Efficiency ratio | 88.8441% | 1,814 |
| Assets per employee ($millions) | 2.8722% | 6,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 5,500 |
| Loan loss allowance to noncurrent loans | 218.3359% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 3.4622% | 1,943 |
| Noncurrent loans to loans | 0.5382% | 6,173 |
| Net loans and leases to total assets | 68.0108% | 3,700 |
| Net loans and leases to deposits | 80.7267% | 3,854 |
| Net loans and leases to core deposits | 92.5586% | 4,822 |
| Total domestic deposits to total assets | 84.2483% | 3,920 |
| Equity capital to assets | 10.8421% | 2,827 |
| Core capital (leverage) ratio | 10.6453% | 2,477 |
| Tier 1 risk-based capital ratio | 13.9658% | 3,517 |
| Total risk-based capital ratio | 15.0221% | 3,587 |
| Memoranda: | ||
| Average total assets | $178,544,200 | 3,463 |
| Average earning assets | $153,775,400 | 3,641 |
| Average equity | $16,693,000 | 3,735 |
| Average total loans | $119,174,000 | 3,500 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5024% | 4,410 |
| Cost of funding earning assets | 1.4507% | 6,035 |
| Net interest margin | 4.0516% | 2,591 |
| Noninterest income to average assets | 0.9276% | 1,870 |
| Noninterest expense to average assets | 3.7833% | 1,627 |
| Loan and lease loss provision to assets | 0.3798% | 4,052 |
| Net operating income to assets | 0.1920% | 5,187 |
| Return on assets (ROA) | 0.3620% | 4,648 |
| Pretax return on assets | 0.4921% | 4,539 |
| Return on Equity (ROE) | 4.0287% | 4,364 |
| Retained earnings to average equity (ytd only) | 4.0287% | 3,029 |
| Net charge-offs to loans | 0.7664% | 2,446 |
| Credit loss provision to net charge-offs | 74.8170% | 5,890 |
| Earnings coverage of net charge-offs (x) | 1.2650% | 4,824 |
| Efficiency ratio | 85.4887% | 2,125 |
| Assets per employee ($millions) | 2.8480% | 6,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 5,715 |
| Loan loss allowance to noncurrent loans | 68.1702% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 3.6291% | 1,814 |
| Noncurrent loans to loans | 1.6154% | 4,218 |
| Net loans and leases to total assets | 67.6447% | 4,036 |
| Net loans and leases to deposits | 77.4734% | 4,825 |
| Net loans and leases to core deposits | 90.1586% | 5,420 |
| Total domestic deposits to total assets | 87.3135% | 2,007 |
| Equity capital to assets | 10.8691% | 3,144 |
| Core capital (leverage) ratio | 10.7622% | 2,593 |
| Tier 1 risk-based capital ratio | 14.2149% | 3,431 |
| Total risk-based capital ratio | 15.2143% | 3,520 |
| Memoranda: | ||
| Average total assets | $179,378,750 | 3,474 |
| Average earning assets | $154,863,250 | 3,638 |
| Average equity | $16,117,250 | 3,884 |
| Average total loans | $118,823,500 | 3,537 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4611% | 4,838 |
| Cost of funding earning assets | 1.5514% | 5,922 |
| Net interest margin | 3.9097% | 3,062 |
| Noninterest income to average assets | 1.0171% | 1,535 |
| Noninterest expense to average assets | 3.7612% | 1,722 |
| Loan and lease loss provision to assets | 0.3239% | 4,001 |
| Net operating income to assets | 0.2377% | 5,136 |
| Return on assets (ROA) | 0.4914% | 4,242 |
| Pretax return on assets | 0.6655% | 4,116 |
| Return on Equity (ROE) | 5.8705% | 3,712 |
| Retained earnings to average equity (ytd only) | 5.8705% | 2,086 |
| Net charge-offs to loans | 0.8242% | 2,043 |
| Credit loss provision to net charge-offs | 59.9589% | 5,593 |
| Earnings coverage of net charge-offs (x) | 1.1971% | 4,631 |
| Efficiency ratio | 85.3296% | 2,317 |
| Assets per employee ($millions) | 2.6906% | 6,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 5,729 |
| Loan loss allowance to noncurrent loans | 91.3347% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 3.4806% | 1,789 |
| Noncurrent loans to loans | 1.1825% | 4,853 |
| Net loans and leases to total assets | 67.4111% | 4,274 |
| Net loans and leases to deposits | 75.1853% | 5,293 |
| Net loans and leases to core deposits | 89.0673% | 5,626 |
| Total domestic deposits to total assets | 89.6600% | 976 |
| Equity capital to assets | 8.5358% | 5,995 |
| Core capital (leverage) ratio | 8.4309% | 5,563 |
| Tier 1 risk-based capital ratio | 11.3664% | 5,540 |
| Total risk-based capital ratio | 12.3524% | 5,691 |
| Memoranda: | ||
| Average total assets | $180,313,670 | 3,479 |
| Average earning assets | $156,379,670 | 3,627 |
| Average equity | $15,092,330 | 4,100 |
| Average total loans | $118,173,670 | 3,575 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3945% | 5,453 |
| Cost of funding earning assets | 1.5944% | 6,051 |
| Net interest margin | 3.8002% | 3,439 |
| Noninterest income to average assets | 1.0304% | 1,403 |
| Noninterest expense to average assets | 3.4742% | 2,161 |
| Loan and lease loss provision to assets | 0.2708% | 3,791 |
| Net operating income to assets | 0.4668% | 4,584 |
| Return on assets (ROA) | 0.4668% | 4,770 |
| Pretax return on assets | 0.5967% | 4,760 |
| Return on Equity (ROE) | 5.6310% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.6310% | 2,809 |
| Net charge-offs to loans | 1.5109% | 957 |
| Credit loss provision to net charge-offs | 27.8912% | 4,980 |
| Earnings coverage of net charge-offs (x) | 0.8934% | 4,317 |
| Efficiency ratio | 80.0203% | 2,818 |
| Assets per employee ($millions) | 2.8077% | 6,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 6,038 |
| Loan loss allowance to noncurrent loans | 25.5338% | 6,865 |
| Noncurrent assets plus other real estate owned to assets | 3.6264% | 1,463 |
| Noncurrent loans to loans | 3.9939% | 1,511 |
| Net loans and leases to total assets | 62.0137% | 5,322 |
| Net loans and leases to deposits | 70.8966% | 5,883 |
| Net loans and leases to core deposits | 88.8495% | 5,662 |
| Total domestic deposits to total assets | 87.4707% | 1,981 |
| Equity capital to assets | 8.2236% | 6,504 |
| Core capital (leverage) ratio | 8.2524% | 5,996 |
| Tier 1 risk-based capital ratio | 11.5307% | 5,379 |
| Total risk-based capital ratio | 12.4505% | 5,619 |
| Memoranda: | ||
| Average total assets | $181,679,500 | 3,483 |
| Average earning assets | $158,308,000 | 3,605 |
| Average equity | $15,059,500 | 4,130 |
| Average total loans | $116,752,000 | 3,632 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2065% | 4,483 |
| Cost of funding earning assets | 2.4979% | 4,217 |
| Net interest margin | 3.7086% | 4,436 |
| Noninterest income to average assets | 0.9491% | 1,772 |
| Noninterest expense to average assets | 3.4486% | 2,530 |
| Loan and lease loss provision to assets | 0.2450% | 4,464 |
| Net operating income to assets | 0.3759% | 5,249 |
| Return on assets (ROA) | 0.1737% | 5,760 |
| Pretax return on assets | 0.2320% | 5,661 |
| Return on Equity (ROE) | 2.0929% | 5,580 |
| Retained earnings to average equity (ytd only) | -5.6948% | 6,622 |
| Net charge-offs to loans | 0.2636% | 3,645 |
| Credit loss provision to net charge-offs | 141.9558% | 3,734 |
| Earnings coverage of net charge-offs (x) | 4.3249% | 4,019 |
| Efficiency ratio | 82.2040% | 2,281 |
| Assets per employee ($millions) | 2.4729% | 7,252 |
| Cash dividends to net income (ytd only)* | 372.1003% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 3,934 |
| Loan loss allowance to noncurrent loans | 26.6690% | 6,908 |
| Noncurrent assets plus other real estate owned to assets | 4.1612% | 960 |
| Noncurrent loans to loans | 4.7972% | 948 |
| Net loans and leases to total assets | 65.0946% | 5,037 |
| Net loans and leases to deposits | 83.8538% | 4,442 |
| Net loans and leases to core deposits | 100.9775% | 4,725 |
| Total domestic deposits to total assets | 77.6288% | 5,828 |
| Equity capital to assets | 8.3572% | 6,332 |
| Core capital (leverage) ratio | 8.1391% | 6,268 |
| Tier 1 risk-based capital ratio | 11.4145% | 5,323 |
| Total risk-based capital ratio | 12.5872% | 5,308 |
| Memoranda: | ||
| Average total assets | $183,640,000 | 3,365 |
| Average earning assets | $160,734,400 | 3,458 |
| Average equity | $15,242,000 | 4,091 |
| Average total loans | $120,259,000 | 3,454 |