Home > Texas Champion Bank > Performance and Condition Ratios
Texas Champion Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3360% | 778 |
| Cost of funding earning assets | 1.9438% | 2,085 |
| Net interest margin | 4.3923% | 747 |
| Noninterest income to average assets | 0.2700% | 3,073 |
| Noninterest expense to average assets | 3.2660% | 804 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8354% | 2,750 |
| Return on assets (ROA) | 0.8354% | 2,752 |
| Pretax return on assets | 1.0561% | 2,604 |
| Return on Equity (ROE) | 7.9600% | 2,866 |
| Retained earnings to average equity (ytd only) | 6.2257% | 2,214 |
| Net charge-offs to loans | 0.0011% | 2,295 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 1,158.0000% | 81 |
| Efficiency ratio | 75.5645% | 1,290 |
| Assets per employee ($millions) | 4.7597% | 3,805 |
| Cash dividends to net income (ytd only)* | 21.8341% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 2,436 |
| Loan loss allowance to noncurrent loans | 169.8129% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 1,366 |
| Noncurrent loans to loans | 0.6805% | 1,488 |
| Net loans and leases to total assets | 78.8800% | 725 |
| Net loans and leases to deposits | 106.1585% | 238 |
| Net loans and leases to core deposits | 123.6258% | 455 |
| Total domestic deposits to total assets | 74.3000% | 4,059 |
| Equity capital to assets | 10.7035% | 1,819 |
| Core capital (leverage) ratio | 10.1874% | 2,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $438,584,500 | 1,960 |
| Average earning assets | $404,985,000 | 1,957 |
| Average equity | $46,002,500 | 1,863 |
| Average total loans | $348,123,000 | 1,717 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4407% | 774 |
| Cost of funding earning assets | 2.0025% | 2,211 |
| Net interest margin | 4.4382% | 700 |
| Noninterest income to average assets | 0.3500% | 2,750 |
| Noninterest expense to average assets | 3.2997% | 765 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9097% | 2,353 |
| Return on assets (ROA) | 0.9097% | 2,355 |
| Pretax return on assets | 1.1518% | 2,104 |
| Return on Equity (ROE) | 9.1000% | 2,437 |
| Retained earnings to average equity (ytd only) | 5.2041% | 2,148 |
| Net charge-offs to loans | -0.0060% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 74.1251% | 1,544 |
| Assets per employee ($millions) | 4.8795% | 3,727 |
| Cash dividends to net income (ytd only)* | 42.8253% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 2,481 |
| Loan loss allowance to noncurrent loans | 855.4604% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 2,960 |
| Noncurrent loans to loans | 0.1332% | 2,990 |
| Net loans and leases to total assets | 78.0600% | 897 |
| Net loans and leases to deposits | 103.8088% | 321 |
| Net loans and leases to core deposits | 120.8929% | 574 |
| Total domestic deposits to total assets | 75.1900% | 4,001 |
| Equity capital to assets | 10.2795% | 1,979 |
| Core capital (leverage) ratio | 10.0120% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $443,554,000 | 1,926 |
| Average earning assets | $410,279,600 | 1,918 |
| Average equity | $44,330,200 | 1,856 |
| Average total loans | $352,208,800 | 1,678 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4098% | 778 |
| Cost of funding earning assets | 2.0003% | 2,212 |
| Net interest margin | 4.4095% | 703 |
| Noninterest income to average assets | 0.3300% | 2,850 |
| Noninterest expense to average assets | 3.2239% | 812 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.9378% | 2,254 |
| Return on assets (ROA) | 0.9378% | 2,267 |
| Pretax return on assets | 1.1862% | 2,020 |
| Return on Equity (ROE) | 9.4500% | 2,333 |
| Retained earnings to average equity (ytd only) | 4.8209% | 2,539 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 73.1029% | 1,686 |
| Assets per employee ($millions) | 5.1185% | 3,563 |
| Cash dividends to net income (ytd only)* | 48.9901% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 2,533 |
| Loan loss allowance to noncurrent loans | 1,534.3629% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 3,317 |
| Noncurrent loans to loans | 0.0744% | 3,323 |
| Net loans and leases to total assets | 78.2200% | 857 |
| Net loans and leases to deposits | 104.9544% | 286 |
| Net loans and leases to core deposits | 123.1520% | 527 |
| Total domestic deposits to total assets | 74.5200% | 4,030 |
| Equity capital to assets | 10.2073% | 2,156 |
| Core capital (leverage) ratio | 9.6378% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $443,433,000 | 1,917 |
| Average earning assets | $410,402,000 | 1,912 |
| Average equity | $44,001,500 | 1,868 |
| Average total loans | $352,610,750 | 1,666 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2954% | 824 |
| Cost of funding earning assets | 1.9271% | 2,290 |
| Net interest margin | 4.3683% | 729 |
| Noninterest income to average assets | 0.3600% | 2,636 |
| Noninterest expense to average assets | 3.2638% | 755 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 0.8400% | 2,494 |
| Return on assets (ROA) | 0.8400% | 2,510 |
| Pretax return on assets | 1.0632% | 2,304 |
| Return on Equity (ROE) | 8.5500% | 2,577 |
| Retained earnings to average equity (ytd only) | 1.5518% | 3,471 |
| Net charge-offs to loans | 0.0028% | 2,417 |
| Credit loss provision to net charge-offs | 3,080.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 504.6000% | 240 |
| Efficiency ratio | 74.1945% | 1,619 |
| Assets per employee ($millions) | 4.9721% | 3,636 |
| Cash dividends to net income (ytd only)* | 81.8425% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 2,310 |
| Loan loss allowance to noncurrent loans | 1,523.6162% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,249 |
| Noncurrent loans to loans | 0.0779% | 3,279 |
| Net loans and leases to total assets | 76.7900% | 1,072 |
| Net loans and leases to deposits | 105.7894% | 318 |
| Net loans and leases to core deposits | 122.8529% | 557 |
| Total domestic deposits to total assets | 72.5800% | 4,154 |
| Equity capital to assets | 9.7554% | 2,225 |
| Core capital (leverage) ratio | 9.6231% | 3,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $444,512,667 | 1,911 |
| Average earning assets | $411,187,667 | 1,906 |
| Average equity | $43,691,333 | 1,861 |
| Average total loans | $354,054,000 | 1,657 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2516% | 796 |
| Cost of funding earning assets | 1.8221% | 2,440 |
| Net interest margin | 4.4295% | 637 |
| Noninterest income to average assets | 0.3200% | 2,808 |
| Noninterest expense to average assets | 3.3240% | 700 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | 0.7799% | 2,593 |
| Return on assets (ROA) | 0.7799% | 2,610 |
| Pretax return on assets | 0.9896% | 2,408 |
| Return on Equity (ROE) | 7.9000% | 2,721 |
| Retained earnings to average equity (ytd only) | 7.8975% | 1,579 |
| Net charge-offs to loans | 0.0078% | 1,807 |
| Credit loss provision to net charge-offs | 1,571.4286% | 249 |
| Earnings coverage of net charge-offs (x) | 172.1429% | 462 |
| Efficiency ratio | 75.3225% | 1,610 |
| Assets per employee ($millions) | 5.0437% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 2,004 |
| Loan loss allowance to noncurrent loans | 1,433.3333% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 3,180 |
| Noncurrent loans to loans | 0.0872% | 3,176 |
| Net loans and leases to total assets | 80.3700% | 579 |
| Net loans and leases to deposits | 116.7479% | 101 |
| Net loans and leases to core deposits | 135.5393% | 328 |
| Total domestic deposits to total assets | 68.8400% | 4,317 |
| Equity capital to assets | 9.9514% | 2,044 |
| Core capital (leverage) ratio | 9.8356% | 2,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $442,595,500 | 1,914 |
| Average earning assets | $408,538,000 | 1,916 |
| Average equity | $43,710,000 | 1,846 |
| Average total loans | $357,213,500 | 1,645 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9925% | 644 |
| Cost of funding earning assets | 1.6075% | 1,671 |
| Net interest margin | 4.3850% | 718 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 3.4083% | 649 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7431% | 3,067 |
| Return on assets (ROA) | 0.7431% | 3,050 |
| Pretax return on assets | 0.9410% | 2,842 |
| Return on Equity (ROE) | 7.3900% | 3,191 |
| Retained earnings to average equity (ytd only) | 4.0174% | 2,954 |
| Net charge-offs to loans | 0.0029% | 2,681 |
| Credit loss provision to net charge-offs | 430.0000% | 745 |
| Earnings coverage of net charge-offs (x) | 396.7000% | 355 |
| Efficiency ratio | 78.0748% | 1,064 |
| Assets per employee ($millions) | 4.9589% | 3,671 |
| Cash dividends to net income (ytd only)* | 45.6599% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,021 |
| Loan loss allowance to noncurrent loans | 746.7005% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 2,631 |
| Noncurrent loans to loans | 0.1673% | 2,684 |
| Net loans and leases to total assets | 79.0300% | 760 |
| Net loans and leases to deposits | 109.4550% | 211 |
| Net loans and leases to core deposits | 124.6312% | 518 |
| Total domestic deposits to total assets | 72.2000% | 4,217 |
| Equity capital to assets | 9.7998% | 2,123 |
| Core capital (leverage) ratio | 9.7590% | 3,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $417,013,600 | 1,965 |
| Average earning assets | $383,946,200 | 1,966 |
| Average equity | $41,917,200 | 1,819 |
| Average total loans | $342,102,400 | 1,639 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9127% | 595 |
| Cost of funding earning assets | 1.5342% | 1,522 |
| Net interest margin | 4.3784% | 718 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 3.3870% | 637 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.7553% | 3,148 |
| Return on assets (ROA) | 0.7553% | 3,144 |
| Pretax return on assets | 0.9575% | 2,959 |
| Return on Equity (ROE) | 7.4600% | 3,322 |
| Retained earnings to average equity (ytd only) | 3.5686% | 3,366 |
| Net charge-offs to loans | -0.0035% | 3,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.5702% | 1,041 |
| Assets per employee ($millions) | 4.7782% | 3,754 |
| Cash dividends to net income (ytd only)* | 52.1907% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 2,009 |
| Loan loss allowance to noncurrent loans | 1,415.9744% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 3,115 |
| Noncurrent loans to loans | 0.0897% | 3,135 |
| Net loans and leases to total assets | 80.0700% | 638 |
| Net loans and leases to deposits | 112.5655% | 152 |
| Net loans and leases to core deposits | 127.8455% | 369 |
| Total domestic deposits to total assets | 71.1300% | 4,287 |
| Equity capital to assets | 9.8954% | 1,883 |
| Core capital (leverage) ratio | 9.7581% | 3,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $410,931,000 | 1,983 |
| Average earning assets | $378,634,000 | 1,981 |
| Average equity | $41,583,750 | 1,812 |
| Average total loans | $339,325,000 | 1,646 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7676% | 579 |
| Cost of funding earning assets | 1.4085% | 1,427 |
| Net interest margin | 4.3591% | 743 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 3.3854% | 615 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.7485% | 3,221 |
| Return on assets (ROA) | 0.7485% | 3,241 |
| Pretax return on assets | 0.9452% | 3,057 |
| Return on Equity (ROE) | 7.3400% | 3,406 |
| Retained earnings to average equity (ytd only) | 1.4493% | 3,834 |
| Net charge-offs to loans | -0.0113% | 3,953 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.5758% | 1,031 |
| Assets per employee ($millions) | 4.3596% | 4,028 |
| Cash dividends to net income (ytd only)* | 80.2510% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 1,954 |
| Loan loss allowance to noncurrent loans | 6,256.3380% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 3,665 |
| Noncurrent loans to loans | 0.0207% | 3,612 |
| Net loans and leases to total assets | 81.0300% | 517 |
| Net loans and leases to deposits | 114.1841% | 149 |
| Net loans and leases to core deposits | 129.0199% | 345 |
| Total domestic deposits to total assets | 70.9600% | 4,332 |
| Equity capital to assets | 9.9551% | 1,881 |
| Core capital (leverage) ratio | 9.7496% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $404,562,000 | 1,999 |
| Average earning assets | $373,015,333 | 2,000 |
| Average equity | $41,260,333 | 1,837 |
| Average total loans | $336,176,333 | 1,646 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5889% | 538 |
| Cost of funding earning assets | 1.1743% | 1,522 |
| Net interest margin | 4.4146% | 665 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 3.3472% | 655 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.8029% | 3,185 |
| Return on assets (ROA) | 0.8029% | 3,136 |
| Pretax return on assets | 1.0141% | 2,947 |
| Return on Equity (ROE) | 7.7700% | 3,352 |
| Retained earnings to average equity (ytd only) | -4.0625% | 4,292 |
| Net charge-offs to loans | -0.0036% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.8109% | 1,186 |
| Assets per employee ($millions) | 4.6326% | 3,940 |
| Cash dividends to net income (ytd only)* | 152.2556% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 1,900 |
| Loan loss allowance to noncurrent loans | 6,147.2222% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 3,648 |
| Noncurrent loans to loans | 0.0216% | 3,621 |
| Net loans and leases to total assets | 78.8200% | 672 |
| Net loans and leases to deposits | 109.2148% | 195 |
| Net loans and leases to core deposits | 121.5006% | 401 |
| Total domestic deposits to total assets | 72.1700% | 4,354 |
| Equity capital to assets | 9.8133% | 1,921 |
| Core capital (leverage) ratio | 10.1327% | 2,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $397,583,500 | 2,050 |
| Average earning assets | $366,515,000 | 2,049 |
| Average equity | $41,058,500 | 1,866 |
| Average total loans | $332,487,500 | 1,675 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2544% | 205 |
| Cost of funding earning assets | 0.4057% | 2,050 |
| Net interest margin | 4.8487% | 169 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 3.7008% | 416 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 0.6636% | 3,725 |
| Return on assets (ROA) | 0.6636% | 3,673 |
| Pretax return on assets | 0.8410% | 3,514 |
| Return on Equity (ROE) | 5.8400% | 3,855 |
| Retained earnings to average equity (ytd only) | 0.3766% | 4,290 |
| Net charge-offs to loans | -0.0357% | 4,250 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.3511% | 975 |
| Assets per employee ($millions) | 4.1112% | 4,243 |
| Cash dividends to net income (ytd only)* | 93.5551% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3196% | 1,811 |
| Loan loss allowance to noncurrent loans | 3,808.6957% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 2,842 |
| Noncurrent loans to loans | 0.0346% | 3,532 |
| Net loans and leases to total assets | 86.6000% | 122 |
| Net loans and leases to deposits | 115.1331% | 104 |
| Net loans and leases to core deposits | 119.1116% | 386 |
| Total domestic deposits to total assets | 75.2100% | 4,303 |
| Equity capital to assets | 10.8933% | 1,301 |
| Core capital (leverage) ratio | 10.6256% | 2,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $362,408,600 | 2,170 |
| Average earning assets | $329,797,200 | 2,200 |
| Average equity | $41,160,800 | 1,883 |
| Average total loans | $305,085,600 | 1,703 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0995% | 186 |
| Cost of funding earning assets | 0.2929% | 2,244 |
| Net interest margin | 4.8065% | 146 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 3.5176% | 484 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 0.7740% | 3,341 |
| Return on assets (ROA) | 0.7740% | 3,295 |
| Pretax return on assets | 0.9779% | 3,082 |
| Return on Equity (ROE) | 6.7400% | 3,643 |
| Retained earnings to average equity (ytd only) | -0.5476% | 4,392 |
| Net charge-offs to loans | -0.0599% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.6012% | 1,322 |
| Assets per employee ($millions) | 4.0088% | 4,314 |
| Cash dividends to net income (ytd only)* | 108.1211% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 2,104 |
| Loan loss allowance to noncurrent loans | 920.8145% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 2,782 |
| Noncurrent loans to loans | 0.1395% | 2,932 |
| Net loans and leases to total assets | 83.8900% | 255 |
| Net loans and leases to deposits | 109.8324% | 125 |
| Net loans and leases to core deposits | 112.8001% | 392 |
| Total domestic deposits to total assets | 76.3800% | 4,350 |
| Equity capital to assets | 10.9335% | 1,205 |
| Core capital (leverage) ratio | 11.0256% | 1,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $358,452,750 | 2,202 |
| Average earning assets | $325,436,750 | 2,227 |
| Average equity | $41,150,500 | 1,908 |
| Average total loans | $298,378,750 | 1,717 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9853% | 175 |
| Cost of funding earning assets | 0.2343% | 2,453 |
| Net interest margin | 4.7509% | 140 |
| Noninterest income to average assets | 0.3744% | 2,903 |
| Noninterest expense to average assets | 3.5650% | 411 |
| Loan and lease loss provision to assets | 0.2517% | 283 |
| Net operating income to assets | 0.6752% | 3,393 |
| Return on assets (ROA) | 0.6752% | 3,344 |
| Pretax return on assets | 0.8573% | 3,181 |
| Return on Equity (ROE) | 5.7849% | 3,635 |
| Retained earnings to average equity (ytd only) | -3.9050% | 4,496 |
| Net charge-offs to loans | -0.0897% | 4,411 |
| Credit loss provision to net charge-offs | -339.6947% | 3,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0678% | 1,277 |
| Assets per employee ($millions) | 3.7682% | 4,465 |
| Cash dividends to net income (ytd only)* | 167.5042% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 2,426 |
| Loan loss allowance to noncurrent loans | 578.5933% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 2,117 |
| Noncurrent loans to loans | 0.2160% | 2,637 |
| Net loans and leases to total assets | 83.5233% | 205 |
| Net loans and leases to deposits | 110.4423% | 92 |
| Net loans and leases to core deposits | 112.9659% | 300 |
| Total domestic deposits to total assets | 75.6262% | 4,478 |
| Equity capital to assets | 11.2384% | 1,118 |
| Core capital (leverage) ratio | 11.5753% | 1,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $353,664,333 | 2,235 |
| Average earning assets | $320,062,667 | 2,269 |
| Average equity | $41,280,000 | 1,945 |
| Average total loans | $292,227,333 | 1,744 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8338% | 186 |
| Cost of funding earning assets | 0.2087% | 2,684 |
| Net interest margin | 4.6251% | 150 |
| Noninterest income to average assets | 0.3960% | 2,717 |
| Noninterest expense to average assets | 3.5038% | 416 |
| Loan and lease loss provision to assets | 0.2731% | 227 |
| Net operating income to assets | 0.6395% | 3,263 |
| Return on assets (ROA) | 0.6395% | 3,246 |
| Pretax return on assets | 0.8057% | 3,097 |
| Return on Equity (ROE) | 5.3774% | 3,519 |
| Retained earnings to average equity (ytd only) | 5.3774% | 2,450 |
| Net charge-offs to loans | -0.0028% | 3,168 |
| Credit loss provision to net charge-offs | -12,000.0000% | 3,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2602% | 1,492 |
| Assets per employee ($millions) | 3.5547% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 2,956 |
| Loan loss allowance to noncurrent loans | 655.8935% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 2,359 |
| Noncurrent loans to loans | 0.1800% | 2,918 |
| Net loans and leases to total assets | 83.7495% | 94 |
| Net loans and leases to deposits | 107.0401% | 89 |
| Net loans and leases to core deposits | 108.6691% | 285 |
| Total domestic deposits to total assets | 78.2412% | 4,390 |
| Equity capital to assets | 12.1746% | 897 |
| Core capital (leverage) ratio | 12.0378% | 1,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,507,000 | 2,250 |
| Average earning assets | $318,177,000 | 2,297 |
| Average equity | $41,804,500 | 1,979 |
| Average total loans | $286,951,000 | 1,753 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7045% | 416 |
| Cost of funding earning assets | 0.2425% | 3,023 |
| Net interest margin | 4.4621% | 296 |
| Noninterest income to average assets | 0.3664% | 3,237 |
| Noninterest expense to average assets | 3.4048% | 538 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7699% | 3,420 |
| Return on assets (ROA) | 0.7699% | 3,487 |
| Pretax return on assets | 0.9827% | 3,308 |
| Return on Equity (ROE) | 6.8064% | 3,564 |
| Retained earnings to average equity (ytd only) | 1.9894% | 3,983 |
| Net charge-offs to loans | -0.0089% | 3,701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3969% | 1,002 |
| Assets per employee ($millions) | 3.8517% | 4,471 |
| Cash dividends to net income (ytd only)* | 70.7714% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 3,178 |
| Loan loss allowance to noncurrent loans | 130.0365% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 822 |
| Noncurrent loans to loans | 0.8758% | 1,159 |
| Net loans and leases to total assets | 77.7399% | 394 |
| Net loans and leases to deposits | 100.1442% | 193 |
| Net loans and leases to core deposits | 101.8068% | 457 |
| Total domestic deposits to total assets | 77.6280% | 4,428 |
| Equity capital to assets | 11.6218% | 1,440 |
| Core capital (leverage) ratio | 12.6397% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $367,041,600 | 2,116 |
| Average earning assets | $330,765,600 | 2,181 |
| Average equity | $41,520,000 | 2,028 |
| Average total loans | $291,183,600 | 1,744 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7842% | 424 |
| Cost of funding earning assets | 0.2563% | 3,056 |
| Net interest margin | 4.5279% | 297 |
| Noninterest income to average assets | 0.3380% | 3,416 |
| Noninterest expense to average assets | 3.2107% | 699 |
| Loan and lease loss provision to assets | -0.1083% | 4,622 |
| Net operating income to assets | 1.0370% | 2,779 |
| Return on assets (ROA) | 1.0370% | 2,843 |
| Pretax return on assets | 1.3118% | 2,594 |
| Return on Equity (ROE) | 9.2287% | 3,031 |
| Retained earnings to average equity (ytd only) | 2.8020% | 3,966 |
| Net charge-offs to loans | -0.0363% | 4,219 |
| Credit loss provision to net charge-offs | 375.0000% | 894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5317% | 1,355 |
| Assets per employee ($millions) | 3.7075% | 4,573 |
| Cash dividends to net income (ytd only)* | 69.6379% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 3,512 |
| Loan loss allowance to noncurrent loans | 110.1525% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.8895% | 775 |
| Noncurrent loans to loans | 0.9840% | 1,169 |
| Net loans and leases to total assets | 76.7483% | 489 |
| Net loans and leases to deposits | 102.4199% | 183 |
| Net loans and leases to core deposits | 104.3715% | 445 |
| Total domestic deposits to total assets | 74.9349% | 4,604 |
| Equity capital to assets | 11.8459% | 1,470 |
| Core capital (leverage) ratio | 12.4288% | 1,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $369,250,500 | 2,127 |
| Average earning assets | $332,420,250 | 2,199 |
| Average equity | $41,492,500 | 2,060 |
| Average total loans | $293,560,250 | 1,762 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5095% | 713 |
| Cost of funding earning assets | 0.2650% | 3,134 |
| Net interest margin | 4.2445% | 543 |
| Noninterest income to average assets | 0.2689% | 3,792 |
| Noninterest expense to average assets | 3.0790% | 869 |
| Loan and lease loss provision to assets | -0.1600% | 4,720 |
| Net operating income to assets | 0.9175% | 3,171 |
| Return on assets (ROA) | 0.9175% | 3,245 |
| Pretax return on assets | 1.1608% | 3,023 |
| Return on Equity (ROE) | 8.3060% | 3,311 |
| Retained earnings to average equity (ytd only) | 8.3060% | 1,974 |
| Net charge-offs to loans | -0.0140% | 3,821 |
| Credit loss provision to net charge-offs | 1,428.5714% | 374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2615% | 1,145 |
| Assets per employee ($millions) | 3.8592% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 3,975 |
| Loan loss allowance to noncurrent loans | 60.0911% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.4565% | 401 |
| Noncurrent loans to loans | 1.5915% | 694 |
| Net loans and leases to total assets | 81.1496% | 256 |
| Net loans and leases to deposits | 113.0249% | 84 |
| Net loans and leases to core deposits | 115.0487% | 276 |
| Total domestic deposits to total assets | 71.7980% | 4,713 |
| Equity capital to assets | 11.4878% | 1,636 |
| Core capital (leverage) ratio | 12.0663% | 1,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $374,929,000 | 2,095 |
| Average earning assets | $336,626,333 | 2,155 |
| Average equity | $41,415,667 | 2,051 |
| Average total loans | $300,320,000 | 1,743 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1391% | 1,304 |
| Cost of funding earning assets | 0.2523% | 3,453 |
| Net interest margin | 3.8868% | 1,012 |
| Noninterest income to average assets | -0.3818% | 4,971 |
| Noninterest expense to average assets | 2.9134% | 1,126 |
| Loan and lease loss provision to assets | 0.0795% | 1,622 |
| Net operating income to assets | 0.0721% | 4,734 |
| Return on assets (ROA) | 0.0721% | 4,743 |
| Pretax return on assets | 0.0891% | 4,735 |
| Return on Equity (ROE) | 0.6660% | 4,738 |
| Retained earnings to average equity (ytd only) | 0.6660% | 4,279 |
| Net charge-offs to loans | -0.0214% | 4,024 |
| Credit loss provision to net charge-offs | -468.7500% | 3,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2533% | 280 |
| Assets per employee ($millions) | 4.3641% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,610 |
| Loan loss allowance to noncurrent loans | 78.9055% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.2763% | 559 |
| Noncurrent loans to loans | 1.3453% | 955 |
| Net loans and leases to total assets | 77.6695% | 487 |
| Net loans and leases to deposits | 112.6637% | 114 |
| Net loans and leases to core deposits | 114.7988% | 306 |
| Total domestic deposits to total assets | 68.9392% | 4,786 |
| Equity capital to assets | 10.4083% | 2,353 |
| Core capital (leverage) ratio | 11.6222% | 1,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $377,153,000 | 2,073 |
| Average earning assets | $336,115,000 | 2,147 |
| Average equity | $40,843,500 | 2,053 |
| Average total loans | $298,706,500 | 1,758 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 1,671 |
| Cost of funding earning assets | 0.3549% | 3,847 |
| Net interest margin | 4.0147% | 943 |
| Noninterest income to average assets | 0.0828% | 4,791 |
| Noninterest expense to average assets | 3.1521% | 1,144 |
| Loan and lease loss provision to assets | 0.2615% | 1,478 |
| Net operating income to assets | 0.2031% | 4,571 |
| Return on assets (ROA) | 0.2031% | 4,629 |
| Pretax return on assets | 0.2540% | 4,599 |
| Return on Equity (ROE) | 1.7989% | 4,584 |
| Retained earnings to average equity (ytd only) | 1.7989% | 3,906 |
| Net charge-offs to loans | -0.0473% | 4,654 |
| Credit loss provision to net charge-offs | -742.0635% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6936% | 541 |
| Assets per employee ($millions) | 3.9297% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 3,458 |
| Loan loss allowance to noncurrent loans | 44.4724% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 2.7389% | 151 |
| Noncurrent loans to loans | 2.4751% | 411 |
| Net loans and leases to total assets | 79.0780% | 498 |
| Net loans and leases to deposits | 110.3523% | 162 |
| Net loans and leases to core deposits | 112.4036% | 444 |
| Total domestic deposits to total assets | 71.6597% | 4,727 |
| Equity capital to assets | 11.2869% | 2,028 |
| Core capital (leverage) ratio | 11.9453% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,536,400 | 2,013 |
| Average earning assets | $319,249,800 | 2,081 |
| Average equity | $40,357,200 | 2,011 |
| Average total loans | $266,661,400 | 1,842 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3871% | 1,882 |
| Cost of funding earning assets | 0.3288% | 4,163 |
| Net interest margin | 4.0583% | 983 |
| Noninterest income to average assets | 0.2468% | 3,999 |
| Noninterest expense to average assets | 3.1861% | 1,094 |
| Loan and lease loss provision to assets | 0.3366% | 1,148 |
| Net operating income to assets | 0.2722% | 4,488 |
| Return on assets (ROA) | 0.2722% | 4,532 |
| Pretax return on assets | 0.3429% | 4,501 |
| Return on Equity (ROE) | 2.4118% | 4,491 |
| Retained earnings to average equity (ytd only) | 2.4118% | 3,780 |
| Net charge-offs to loans | -0.0470% | 4,656 |
| Credit loss provision to net charge-offs | -978.2609% | 3,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1805% | 725 |
| Assets per employee ($millions) | 4.1990% | 4,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 3,519 |
| Loan loss allowance to noncurrent loans | 60.3412% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 2.2350% | 265 |
| Noncurrent loans to loans | 1.7233% | 787 |
| Net loans and leases to total assets | 76.6880% | 1,004 |
| Net loans and leases to deposits | 115.9989% | 147 |
| Net loans and leases to core deposits | 117.9286% | 457 |
| Total domestic deposits to total assets | 66.1110% | 4,851 |
| Equity capital to assets | 10.5703% | 2,727 |
| Core capital (leverage) ratio | 11.5397% | 1,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,537,000 | 1,999 |
| Average earning assets | $317,926,750 | 2,065 |
| Average equity | $40,245,000 | 2,006 |
| Average total loans | $261,057,750 | 1,853 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2887% | 489 |
| Cost of funding earning assets | 0.3775% | 4,137 |
| Net interest margin | 4.9112% | 233 |
| Noninterest income to average assets | 0.1714% | 4,436 |
| Noninterest expense to average assets | 3.5325% | 721 |
| Loan and lease loss provision to assets | 0.5193% | 663 |
| Net operating income to assets | 0.3860% | 4,260 |
| Return on assets (ROA) | 0.3860% | 4,322 |
| Pretax return on assets | 0.4887% | 4,270 |
| Return on Equity (ROE) | 3.3375% | 4,279 |
| Retained earnings to average equity (ytd only) | 3.3375% | 3,260 |
| Net charge-offs to loans | -0.0226% | 4,446 |
| Credit loss provision to net charge-offs | -3,214.2857% | 4,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5829% | 1,091 |
| Assets per employee ($millions) | 4.3273% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 3,377 |
| Loan loss allowance to noncurrent loans | 57.1509% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 2.1423% | 317 |
| Noncurrent loans to loans | 1.8156% | 773 |
| Net loans and leases to total assets | 70.7359% | 1,917 |
| Net loans and leases to deposits | 104.4032% | 362 |
| Net loans and leases to core deposits | 105.9861% | 895 |
| Total domestic deposits to total assets | 67.7526% | 4,847 |
| Equity capital to assets | 9.9179% | 3,276 |
| Core capital (leverage) ratio | 11.1560% | 1,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $346,613,333 | 2,020 |
| Average earning assets | $308,356,000 | 2,087 |
| Average equity | $40,089,667 | 1,994 |
| Average total loans | $248,288,667 | 1,915 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0901% | 812 |
| Cost of funding earning assets | 0.4380% | 4,207 |
| Net interest margin | 4.6521% | 374 |
| Noninterest income to average assets | 0.3575% | 3,380 |
| Noninterest expense to average assets | 3.9507% | 532 |
| Loan and lease loss provision to assets | 1.1451% | 171 |
| Net operating income to assets | -0.4975% | 4,928 |
| Return on assets (ROA) | -0.4975% | 4,903 |
| Pretax return on assets | -0.6298% | 4,909 |
| Return on Equity (ROE) | -3.9347% | 4,895 |
| Retained earnings to average equity (ytd only) | -3.9347% | 4,430 |
| Net charge-offs to loans | 0.0426% | 1,609 |
| Credit loss provision to net charge-offs | 3,750.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 16.8750% | 1,511 |
| Efficiency ratio | 88.2336% | 575 |
| Assets per employee ($millions) | 3.2626% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 2,020 |
| Loan loss allowance to noncurrent loans | 69.8276% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 2.5007% | 271 |
| Noncurrent loans to loans | 1.8983% | 774 |
| Net loans and leases to total assets | 70.4940% | 2,173 |
| Net loans and leases to deposits | 92.1161% | 1,269 |
| Net loans and leases to core deposits | 93.8443% | 1,994 |
| Total domestic deposits to total assets | 76.5274% | 4,421 |
| Equity capital to assets | 12.5144% | 1,716 |
| Core capital (leverage) ratio | 11.8378% | 1,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $314,373,000 | 2,131 |
| Average earning assets | $277,637,500 | 2,212 |
| Average equity | $39,748,500 | 1,992 |
| Average total loans | $225,513,000 | 2,016 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2881% | 839 |
| Cost of funding earning assets | 0.4784% | 4,176 |
| Net interest margin | 4.8097% | 389 |
| Noninterest income to average assets | 0.4710% | 2,897 |
| Noninterest expense to average assets | 4.5585% | 289 |
| Loan and lease loss provision to assets | -0.4813% | 5,163 |
| Net operating income to assets | 0.5445% | 4,305 |
| Return on assets (ROA) | 0.4156% | 4,602 |
| Pretax return on assets | 0.4804% | 4,606 |
| Return on Equity (ROE) | 3.3580% | 4,602 |
| Retained earnings to average equity (ytd only) | 3.3580% | 3,331 |
| Net charge-offs to loans | -0.2198% | 5,063 |
| Credit loss provision to net charge-offs | 314.3149% | 886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6525% | 199 |
| Assets per employee ($millions) | 3.1864% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 3,770 |
| Loan loss allowance to noncurrent loans | 47.4178% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 2.5971% | 244 |
| Noncurrent loans to loans | 1.9886% | 645 |
| Net loans and leases to total assets | 71.3521% | 2,195 |
| Net loans and leases to deposits | 94.2868% | 1,132 |
| Net loans and leases to core deposits | 96.3107% | 1,876 |
| Total domestic deposits to total assets | 75.6756% | 4,636 |
| Equity capital to assets | 12.7748% | 1,661 |
| Core capital (leverage) ratio | 11.9924% | 1,784 |
| Tier 1 risk-based capital ratio | 15.6194% | 2,538 |
| Total risk-based capital ratio | 16.4950% | 2,614 |
| Memoranda: | ||
| Average total assets | $319,312,400 | 2,045 |
| Average earning assets | $281,139,400 | 2,137 |
| Average equity | $39,517,800 | 1,956 |
| Average total loans | $222,472,400 | 2,014 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3088% | 849 |
| Cost of funding earning assets | 0.4784% | 4,226 |
| Net interest margin | 4.8304% | 393 |
| Noninterest income to average assets | 0.4655% | 2,928 |
| Noninterest expense to average assets | 4.1742% | 427 |
| Loan and lease loss provision to assets | -0.3060% | 5,230 |
| Net operating income to assets | 0.6689% | 4,109 |
| Return on assets (ROA) | 0.5137% | 4,539 |
| Pretax return on assets | 0.6486% | 4,449 |
| Return on Equity (ROE) | 4.1834% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.1834% | 3,310 |
| Net charge-offs to loans | -0.1172% | 5,018 |
| Credit loss provision to net charge-offs | 377.9487% | 800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3436% | 380 |
| Assets per employee ($millions) | 3.2488% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 2,643 |
| Loan loss allowance to noncurrent loans | 262.4376% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 1.8695% | 506 |
| Noncurrent loans to loans | 0.4476% | 2,964 |
| Net loans and leases to total assets | 69.4180% | 2,566 |
| Net loans and leases to deposits | 92.1494% | 1,418 |
| Net loans and leases to core deposits | 94.5114% | 2,132 |
| Total domestic deposits to total assets | 75.3320% | 4,712 |
| Equity capital to assets | 12.5143% | 1,906 |
| Core capital (leverage) ratio | 11.9617% | 1,875 |
| Tier 1 risk-based capital ratio | 15.8428% | 2,497 |
| Total risk-based capital ratio | 16.9456% | 2,497 |
| Memoranda: | ||
| Average total assets | $321,072,750 | 2,037 |
| Average earning assets | $282,341,500 | 2,148 |
| Average equity | $39,424,250 | 1,969 |
| Average total loans | $221,857,250 | 2,028 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2884% | 831 |
| Cost of funding earning assets | 0.4705% | 4,242 |
| Net interest margin | 4.8179% | 393 |
| Noninterest income to average assets | 0.4640% | 2,887 |
| Noninterest expense to average assets | 4.0762% | 485 |
| Loan and lease loss provision to assets | -0.4578% | 5,290 |
| Net operating income to assets | 0.9044% | 3,262 |
| Return on assets (ROA) | 0.9044% | 3,327 |
| Pretax return on assets | 1.0753% | 3,308 |
| Return on Equity (ROE) | 7.4126% | 3,525 |
| Retained earnings to average equity (ytd only) | 7.4126% | 1,639 |
| Net charge-offs to loans | -0.1247% | 5,044 |
| Credit loss provision to net charge-offs | 534.0580% | 572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6199% | 513 |
| Assets per employee ($millions) | 3.2720% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 2,872 |
| Loan loss allowance to noncurrent loans | 380.7407% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 1.8088% | 558 |
| Noncurrent loans to loans | 0.2982% | 3,470 |
| Net loans and leases to total assets | 69.7808% | 2,557 |
| Net loans and leases to deposits | 91.8222% | 1,509 |
| Net loans and leases to core deposits | 94.0349% | 2,237 |
| Total domestic deposits to total assets | 75.9956% | 4,668 |
| Equity capital to assets | 12.4767% | 1,871 |
| Core capital (leverage) ratio | 11.8495% | 1,919 |
| Tier 1 risk-based capital ratio | 15.8240% | 2,491 |
| Total risk-based capital ratio | 16.8956% | 2,498 |
| Memoranda: | ||
| Average total assets | $321,970,330 | 2,037 |
| Average earning assets | $282,657,000 | 2,151 |
| Average equity | $39,284,670 | 1,969 |
| Average total loans | $221,263,000 | 2,041 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2650% | 809 |
| Cost of funding earning assets | 0.4607% | 4,242 |
| Net interest margin | 4.8043% | 408 |
| Noninterest income to average assets | 0.4513% | 2,846 |
| Noninterest expense to average assets | 4.3719% | 348 |
| Loan and lease loss provision to assets | -0.9138% | 5,355 |
| Net operating income to assets | 0.9560% | 3,023 |
| Return on assets (ROA) | 0.9560% | 3,067 |
| Pretax return on assets | 1.2089% | 2,772 |
| Return on Equity (ROE) | 7.9633% | 3,282 |
| Retained earnings to average equity (ytd only) | 7.9633% | 1,680 |
| Net charge-offs to loans | -0.2030% | 5,173 |
| Credit loss provision to net charge-offs | 663.9640% | 503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4644% | 292 |
| Assets per employee ($millions) | 3.1907% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 2,953 |
| Loan loss allowance to noncurrent loans | 477.1107% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 1.7477% | 618 |
| Noncurrent loans to loans | 0.2373% | 3,723 |
| Net loans and leases to total assets | 68.2261% | 2,728 |
| Net loans and leases to deposits | 86.4802% | 2,072 |
| Net loans and leases to core deposits | 88.6347% | 2,625 |
| Total domestic deposits to total assets | 78.8922% | 4,374 |
| Equity capital to assets | 12.0355% | 2,000 |
| Core capital (leverage) ratio | 11.6508% | 2,022 |
| Tier 1 risk-based capital ratio | 15.5131% | 2,644 |
| Total risk-based capital ratio | 16.5717% | 2,654 |
| Memoranda: | ||
| Average total assets | $322,606,000 | 2,049 |
| Average earning assets | $283,077,000 | 2,155 |
| Average equity | $38,727,500 | 1,983 |
| Average total loans | $218,732,000 | 2,070 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1089% | 826 |
| Cost of funding earning assets | 0.4653% | 3,577 |
| Net interest margin | 4.6437% | 551 |
| Noninterest income to average assets | 0.1654% | 4,897 |
| Noninterest expense to average assets | 3.9867% | 539 |
| Loan and lease loss provision to assets | -0.3114% | 5,364 |
| Net operating income to assets | 0.5063% | 4,651 |
| Return on assets (ROA) | 0.5063% | 4,652 |
| Pretax return on assets | 0.5740% | 4,676 |
| Return on Equity (ROE) | 4.3101% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.3101% | 3,177 |
| Net charge-offs to loans | 0.4889% | 366 |
| Credit loss provision to net charge-offs | -87.0403% | 4,385 |
| Earnings coverage of net charge-offs (x) | 0.7338% | 3,674 |
| Efficiency ratio | 93.5776% | 246 |
| Assets per employee ($millions) | 3.1659% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 1,334 |
| Loan loss allowance to noncurrent loans | 417.5231% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 1.8855% | 524 |
| Noncurrent loans to loans | 0.3565% | 3,264 |
| Net loans and leases to total assets | 65.5831% | 3,190 |
| Net loans and leases to deposits | 84.0897% | 2,502 |
| Net loans and leases to core deposits | 86.7828% | 2,858 |
| Total domestic deposits to total assets | 77.9919% | 4,492 |
| Equity capital to assets | 11.9731% | 1,918 |
| Core capital (leverage) ratio | 11.4904% | 2,113 |
| Tier 1 risk-based capital ratio | 15.9209% | 2,436 |
| Total risk-based capital ratio | 17.1728% | 2,375 |
| Memoranda: | ||
| Average total assets | $319,160,400 | 2,047 |
| Average earning assets | $280,684,200 | 2,131 |
| Average equity | $37,493,000 | 1,964 |
| Average total loans | $233,590,800 | 1,918 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1152% | 735 |
| Cost of funding earning assets | 0.4623% | 3,444 |
| Net interest margin | 4.6530% | 522 |
| Noninterest income to average assets | 0.0548% | 5,332 |
| Noninterest expense to average assets | 3.9705% | 541 |
| Loan and lease loss provision to assets | -0.4154% | 5,447 |
| Net operating income to assets | 0.5437% | 4,658 |
| Return on assets (ROA) | 0.5437% | 4,666 |
| Pretax return on assets | 0.5972% | 4,734 |
| Return on Equity (ROE) | 4.6511% | 4,662 |
| Retained earnings to average equity (ytd only) | 4.6511% | 3,422 |
| Net charge-offs to loans | 0.3423% | 486 |
| Credit loss provision to net charge-offs | -162.1533% | 4,291 |
| Earnings coverage of net charge-offs (x) | 0.7096% | 3,393 |
| Efficiency ratio | 95.3699% | 214 |
| Assets per employee ($millions) | 3.1122% | 4,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7175% | 841 |
| Loan loss allowance to noncurrent loans | 96.3523% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 3.0446% | 235 |
| Noncurrent loans to loans | 1.7825% | 866 |
| Net loans and leases to total assets | 66.6636% | 3,105 |
| Net loans and leases to deposits | 85.6601% | 2,401 |
| Net loans and leases to core deposits | 88.4240% | 2,806 |
| Total domestic deposits to total assets | 77.8234% | 4,503 |
| Equity capital to assets | 11.9221% | 1,955 |
| Core capital (leverage) ratio | 11.6656% | 2,029 |
| Tier 1 risk-based capital ratio | 15.1409% | 2,822 |
| Total risk-based capital ratio | 16.3945% | 2,740 |
| Memoranda: | ||
| Average total assets | $319,010,750 | 2,062 |
| Average earning assets | $280,932,500 | 2,138 |
| Average equity | $37,295,000 | 1,974 |
| Average total loans | $238,769,250 | 1,897 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1209% | 637 |
| Cost of funding earning assets | 0.4626% | 3,266 |
| Net interest margin | 4.6583% | 488 |
| Noninterest income to average assets | 0.4676% | 3,049 |
| Noninterest expense to average assets | 3.9545% | 570 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5996% | 4,492 |
| Return on assets (ROA) | 0.5996% | 4,498 |
| Pretax return on assets | 0.6228% | 4,699 |
| Return on Equity (ROE) | 5.1628% | 4,504 |
| Retained earnings to average equity (ytd only) | 5.1628% | 2,993 |
| Net charge-offs to loans | 0.5605% | 262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.4399% | 3,064 |
| Efficiency ratio | 86.1753% | 557 |
| Assets per employee ($millions) | 3.0537% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9346% | 590 |
| Loan loss allowance to noncurrent loans | 38.6983% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 4.9178% | 94 |
| Noncurrent loans to loans | 4.9991% | 138 |
| Net loans and leases to total assets | 74.3611% | 1,888 |
| Net loans and leases to deposits | 99.5272% | 837 |
| Net loans and leases to core deposits | 102.7731% | 1,505 |
| Total domestic deposits to total assets | 74.7143% | 4,976 |
| Equity capital to assets | 11.9292% | 1,900 |
| Core capital (leverage) ratio | 11.3617% | 2,193 |
| Tier 1 risk-based capital ratio | 13.6335% | 3,544 |
| Total risk-based capital ratio | 14.8898% | 3,453 |
| Memoranda: | ||
| Average total assets | $319,533,330 | 2,069 |
| Average earning assets | $281,903,670 | 2,146 |
| Average equity | $37,111,330 | 1,985 |
| Average total loans | $246,586,670 | 1,854 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0758% | 608 |
| Cost of funding earning assets | 0.4471% | 3,219 |
| Net interest margin | 4.6287% | 473 |
| Noninterest income to average assets | 0.4832% | 2,912 |
| Noninterest expense to average assets | 3.8493% | 629 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6024% | 4,420 |
| Return on assets (ROA) | 0.6024% | 4,427 |
| Pretax return on assets | 0.7614% | 4,254 |
| Return on Equity (ROE) | 5.2565% | 4,399 |
| Retained earnings to average equity (ytd only) | 5.2565% | 3,056 |
| Net charge-offs to loans | -0.0223% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2705% | 845 |
| Assets per employee ($millions) | 3.0248% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1088% | 445 |
| Loan loss allowance to noncurrent loans | 59.9932% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 3.8805% | 168 |
| Noncurrent loans to loans | 3.5151% | 296 |
| Net loans and leases to total assets | 77.0059% | 1,390 |
| Net loans and leases to deposits | 102.0648% | 574 |
| Net loans and leases to core deposits | 105.1810% | 1,300 |
| Total domestic deposits to total assets | 75.4480% | 5,023 |
| Equity capital to assets | 11.5601% | 2,083 |
| Core capital (leverage) ratio | 11.1972% | 2,251 |
| Tier 1 risk-based capital ratio | 12.9500% | 3,976 |
| Total risk-based capital ratio | 14.2086% | 3,869 |
| Memoranda: | ||
| Average total assets | $322,035,000 | 2,065 |
| Average earning assets | $287,167,500 | 2,138 |
| Average equity | $36,906,500 | 2,003 |
| Average total loans | $250,629,000 | 1,844 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6837% | 1,238 |
| Cost of funding earning assets | 0.4437% | 2,839 |
| Net interest margin | 4.2400% | 1,102 |
| Noninterest income to average assets | 1.2616% | 668 |
| Noninterest expense to average assets | 3.9467% | 578 |
| Loan and lease loss provision to assets | 0.3822% | 394 |
| Net operating income to assets | 0.4695% | 4,459 |
| Return on assets (ROA) | 0.4695% | 4,492 |
| Pretax return on assets | 0.7089% | 4,486 |
| Return on Equity (ROE) | 4.3253% | 4,397 |
| Retained earnings to average equity (ytd only) | 4.3253% | 2,555 |
| Net charge-offs to loans | 0.6339% | 353 |
| Credit loss provision to net charge-offs | 80.0882% | 2,939 |
| Earnings coverage of net charge-offs (x) | 2.2861% | 3,766 |
| Efficiency ratio | 78.1386% | 1,328 |
| Assets per employee ($millions) | 3.0513% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1302% | 424 |
| Loan loss allowance to noncurrent loans | 47.7885% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 4.1405% | 141 |
| Noncurrent loans to loans | 4.4576% | 188 |
| Net loans and leases to total assets | 75.3556% | 1,703 |
| Net loans and leases to deposits | 102.6072% | 570 |
| Net loans and leases to core deposits | 106.7582% | 1,225 |
| Total domestic deposits to total assets | 73.4408% | 5,232 |
| Equity capital to assets | 11.3616% | 2,316 |
| Core capital (leverage) ratio | 11.0638% | 2,274 |
| Tier 1 risk-based capital ratio | 12.4855% | 4,214 |
| Total risk-based capital ratio | 13.7435% | 4,110 |
| Memoranda: | ||
| Average total assets | $332,508,400 | 1,991 |
| Average earning assets | $296,130,600 | 2,061 |
| Average equity | $36,089,800 | 2,019 |
| Average total loans | $250,370,600 | 1,812 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6501% | 1,244 |
| Cost of funding earning assets | 0.4450% | 2,759 |
| Net interest margin | 4.2051% | 1,141 |
| Noninterest income to average assets | 1.4911% | 486 |
| Noninterest expense to average assets | 3.9014% | 591 |
| Loan and lease loss provision to assets | 0.4672% | 268 |
| Net operating income to assets | 0.5731% | 4,488 |
| Return on assets (ROA) | 0.5731% | 4,532 |
| Pretax return on assets | 0.8638% | 4,162 |
| Return on Equity (ROE) | 5.3406% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.3406% | 2,653 |
| Net charge-offs to loans | 0.3632% | 578 |
| Credit loss provision to net charge-offs | 171.7423% | 1,522 |
| Earnings coverage of net charge-offs (x) | 4.8931% | 3,172 |
| Efficiency ratio | 74.3721% | 1,835 |
| Assets per employee ($millions) | 3.0406% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5178% | 258 |
| Loan loss allowance to noncurrent loans | 49.8085% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 4.4281% | 138 |
| Noncurrent loans to loans | 5.0549% | 159 |
| Net loans and leases to total assets | 73.4105% | 2,021 |
| Net loans and leases to deposits | 96.9010% | 1,016 |
| Net loans and leases to core deposits | 101.3810% | 1,594 |
| Total domestic deposits to total assets | 75.7583% | 5,047 |
| Equity capital to assets | 11.3880% | 2,477 |
| Core capital (leverage) ratio | 11.0000% | 2,460 |
| Tier 1 risk-based capital ratio | 12.6344% | 4,242 |
| Total risk-based capital ratio | 13.8964% | 4,132 |
| Memoranda: | ||
| Average total assets | $334,775,500 | 1,991 |
| Average earning assets | $297,851,250 | 2,064 |
| Average equity | $35,925,250 | 2,036 |
| Average total loans | $250,704,500 | 1,822 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4145% | 1,769 |
| Cost of funding earning assets | 0.4511% | 2,588 |
| Net interest margin | 3.9634% | 1,732 |
| Noninterest income to average assets | 2.0753% | 298 |
| Noninterest expense to average assets | 3.9595% | 556 |
| Loan and lease loss provision to assets | 0.6922% | 156 |
| Net operating income to assets | 0.6296% | 4,168 |
| Return on assets (ROA) | 0.6296% | 4,216 |
| Pretax return on assets | 0.9489% | 3,769 |
| Return on Equity (ROE) | 5.9833% | 4,055 |
| Retained earnings to average equity (ytd only) | 5.9833% | 2,128 |
| Net charge-offs to loans | -0.2321% | 5,603 |
| Credit loss provision to net charge-offs | -398.9796% | 4,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5194% | 2,581 |
| Assets per employee ($millions) | 2.9696% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8402% | 192 |
| Loan loss allowance to noncurrent loans | 33.8200% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 7.3495% | 51 |
| Noncurrent loans to loans | 8.3981% | 41 |
| Net loans and leases to total assets | 74.9099% | 1,710 |
| Net loans and leases to deposits | 93.9467% | 1,268 |
| Net loans and leases to core deposits | 99.1677% | 1,712 |
| Total domestic deposits to total assets | 79.7365% | 4,474 |
| Equity capital to assets | 11.1999% | 2,591 |
| Core capital (leverage) ratio | 10.3616% | 3,056 |
| Tier 1 risk-based capital ratio | 12.0708% | 4,590 |
| Total risk-based capital ratio | 13.3361% | 4,450 |
| Memoranda: | ||
| Average total assets | $338,932,670 | 1,985 |
| Average earning assets | $301,459,330 | 2,048 |
| Average equity | $35,665,670 | 2,042 |
| Average total loans | $253,367,330 | 1,805 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 1,971 |
| Cost of funding earning assets | 0.4474% | 2,548 |
| Net interest margin | 3.8454% | 1,967 |
| Noninterest income to average assets | 3.5827% | 166 |
| Noninterest expense to average assets | 4.0316% | 523 |
| Loan and lease loss provision to assets | 1.3539% | 59 |
| Net operating income to assets | 1.0746% | 1,962 |
| Return on assets (ROA) | 1.0746% | 2,009 |
| Pretax return on assets | 1.6194% | 1,185 |
| Return on Equity (ROE) | 10.5280% | 1,729 |
| Retained earnings to average equity (ytd only) | 10.5280% | 698 |
| Net charge-offs to loans | -0.4497% | 5,734 |
| Credit loss provision to net charge-offs | -408.7108% | 4,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4230% | 4,788 |
| Assets per employee ($millions) | 3.2832% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8635% | 206 |
| Loan loss allowance to noncurrent loans | 30.7589% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 7.3590% | 57 |
| Noncurrent loans to loans | 9.3096% | 39 |
| Net loans and leases to total assets | 68.3756% | 2,618 |
| Net loans and leases to deposits | 85.7078% | 2,060 |
| Net loans and leases to core deposits | 91.9039% | 2,172 |
| Total domestic deposits to total assets | 79.7776% | 4,665 |
| Equity capital to assets | 10.2318% | 3,482 |
| Core capital (leverage) ratio | 9.8668% | 3,668 |
| Tier 1 risk-based capital ratio | 11.8625% | 4,802 |
| Total risk-based capital ratio | 13.1275% | 4,699 |
| Memoranda: | ||
| Average total assets | $346,558,500 | 1,954 |
| Average earning assets | $308,419,500 | 2,033 |
| Average equity | $35,372,500 | 2,065 |
| Average total loans | $255,272,500 | 1,803 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 1,345 |
| Cost of funding earning assets | 0.3601% | 3,413 |
| Net interest margin | 4.2135% | 1,083 |
| Noninterest income to average assets | 0.5946% | 2,693 |
| Noninterest expense to average assets | 3.5788% | 1,039 |
| Loan and lease loss provision to assets | 0.4483% | 321 |
| Net operating income to assets | 0.3308% | 5,142 |
| Return on assets (ROA) | 0.3333% | 5,207 |
| Pretax return on assets | 0.3333% | 5,325 |
| Return on Equity (ROE) | 3.4524% | 5,030 |
| Retained earnings to average equity (ytd only) | 1.7305% | 4,546 |
| Net charge-offs to loans | 1.2742% | 128 |
| Credit loss provision to net charge-offs | 46.7090% | 3,416 |
| Earnings coverage of net charge-offs (x) | 0.8118% | 4,071 |
| Efficiency ratio | 81.9124% | 1,209 |
| Assets per employee ($millions) | 3.1074% | 5,255 |
| Cash dividends to net income (ytd only)* | 49.8753% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1351% | 516 |
| Loan loss allowance to noncurrent loans | 34.0275% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 5.4745% | 102 |
| Noncurrent loans to loans | 6.2747% | 90 |
| Net loans and leases to total assets | 75.3735% | 1,622 |
| Net loans and leases to deposits | 96.5385% | 948 |
| Net loans and leases to core deposits | 104.0415% | 1,277 |
| Total domestic deposits to total assets | 78.0761% | 4,967 |
| Equity capital to assets | 10.1811% | 3,506 |
| Core capital (leverage) ratio | 9.7433% | 3,812 |
| Tier 1 risk-based capital ratio | 10.7829% | 5,445 |
| Total risk-based capital ratio | 12.0406% | 5,344 |
| Memoranda: | ||
| Average total assets | $360,932,000 | 1,848 |
| Average earning assets | $322,367,000 | 1,906 |
| Average equity | $34,845,600 | 2,087 |
| Average total loans | $271,857,200 | 1,661 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5430% | 1,422 |
| Cost of funding earning assets | 0.3445% | 3,603 |
| Net interest margin | 4.1985% | 1,122 |
| Noninterest income to average assets | 0.5633% | 2,856 |
| Noninterest expense to average assets | 3.4890% | 1,171 |
| Loan and lease loss provision to assets | 0.5775% | 200 |
| Net operating income to assets | 0.2559% | 5,378 |
| Return on assets (ROA) | 0.2592% | 5,445 |
| Pretax return on assets | 0.2592% | 5,501 |
| Return on Equity (ROE) | 2.7196% | 5,294 |
| Retained earnings to average equity (ytd only) | 0.4246% | 5,247 |
| Net charge-offs to loans | 1.3717% | 107 |
| Credit loss provision to net charge-offs | 56.1901% | 2,956 |
| Earnings coverage of net charge-offs (x) | 0.8109% | 3,754 |
| Efficiency ratio | 80.5078% | 1,373 |
| Assets per employee ($millions) | 3.1758% | 5,212 |
| Cash dividends to net income (ytd only)* | 84.3879% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3670% | 396 |
| Loan loss allowance to noncurrent loans | 36.3705% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 5.4934% | 116 |
| Noncurrent loans to loans | 6.5079% | 100 |
| Net loans and leases to total assets | 74.2480% | 1,825 |
| Net loans and leases to deposits | 95.3837% | 1,111 |
| Net loans and leases to core deposits | 102.0115% | 1,479 |
| Total domestic deposits to total assets | 77.8414% | 4,943 |
| Equity capital to assets | 10.0724% | 4,067 |
| Core capital (leverage) ratio | 9.3733% | 4,368 |
| Tier 1 risk-based capital ratio | 10.7957% | 5,475 |
| Total risk-based capital ratio | 12.0565% | 5,381 |
| Memoranda: | ||
| Average total assets | $365,710,250 | 1,835 |
| Average earning assets | $327,439,250 | 1,891 |
| Average equity | $34,856,750 | 2,095 |
| Average total loans | $274,006,000 | 1,652 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 1,772 |
| Cost of funding earning assets | 0.3236% | 3,860 |
| Net interest margin | 4.0957% | 1,377 |
| Noninterest income to average assets | 0.6324% | 2,452 |
| Noninterest expense to average assets | 3.4447% | 1,279 |
| Loan and lease loss provision to assets | 0.3664% | 433 |
| Net operating income to assets | 0.5072% | 4,649 |
| Return on assets (ROA) | 0.5121% | 4,743 |
| Pretax return on assets | 0.5121% | 5,109 |
| Return on Equity (ROE) | 5.4686% | 4,304 |
| Retained earnings to average equity (ytd only) | 2.0256% | 4,547 |
| Net charge-offs to loans | 0.8068% | 249 |
| Credit loss provision to net charge-offs | 60.8385% | 2,569 |
| Earnings coverage of net charge-offs (x) | 1.4505% | 3,410 |
| Efficiency ratio | 79.5570% | 1,550 |
| Assets per employee ($millions) | 3.2439% | 5,145 |
| Cash dividends to net income (ytd only)* | 62.9591% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6374% | 302 |
| Loan loss allowance to noncurrent loans | 37.8677% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 5.5625% | 115 |
| Noncurrent loans to loans | 6.9649% | 87 |
| Net loans and leases to total assets | 73.3852% | 1,949 |
| Net loans and leases to deposits | 94.8121% | 1,206 |
| Net loans and leases to core deposits | 102.4054% | 1,442 |
| Total domestic deposits to total assets | 77.4006% | 5,095 |
| Equity capital to assets | 9.9258% | 4,314 |
| Core capital (leverage) ratio | 9.0723% | 4,746 |
| Tier 1 risk-based capital ratio | 10.9651% | 5,438 |
| Total risk-based capital ratio | 12.2293% | 5,360 |
| Memoranda: | ||
| Average total assets | $372,225,670 | 1,802 |
| Average earning assets | $334,985,000 | 1,854 |
| Average equity | $34,853,330 | 2,095 |
| Average total loans | $277,902,000 | 1,629 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4113% | 1,772 |
| Cost of funding earning assets | 0.3067% | 4,092 |
| Net interest margin | 4.1046% | 1,333 |
| Noninterest income to average assets | 0.6238% | 2,395 |
| Noninterest expense to average assets | 3.2007% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1406% | 1,747 |
| Return on assets (ROA) | 1.1406% | 1,868 |
| Pretax return on assets | 1.1406% | 2,932 |
| Return on Equity (ROE) | 12.5302% | 1,148 |
| Retained earnings to average equity (ytd only) | 5.6202% | 2,568 |
| Net charge-offs to loans | 1.5910% | 106 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.9645% | 2,878 |
| Efficiency ratio | 73.5330% | 2,550 |
| Assets per employee ($millions) | 3.4379% | 4,902 |
| Cash dividends to net income (ytd only)* | 55.1471% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2945% | 514 |
| Loan loss allowance to noncurrent loans | 36.6898% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 4.8754% | 173 |
| Noncurrent loans to loans | 6.2537% | 132 |
| Net loans and leases to total assets | 70.7471% | 2,228 |
| Net loans and leases to deposits | 91.9580% | 1,349 |
| Net loans and leases to core deposits | 99.0309% | 1,562 |
| Total domestic deposits to total assets | 76.9341% | 5,294 |
| Equity capital to assets | 9.2037% | 4,982 |
| Core capital (leverage) ratio | 8.6394% | 5,251 |
| Tier 1 risk-based capital ratio | 10.5027% | 5,749 |
| Total risk-based capital ratio | 11.7629% | 5,658 |
| Memoranda: | ||
| Average total assets | $381,546,000 | 1,758 |
| Average earning assets | $345,565,000 | 1,799 |
| Average equity | $34,732,000 | 2,103 |
| Average total loans | $283,599,000 | 1,598 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5170% | 1,544 |
| Cost of funding earning assets | 0.2463% | 4,819 |
| Net interest margin | 4.2707% | 1,022 |
| Noninterest income to average assets | 0.6499% | 2,459 |
| Noninterest expense to average assets | 3.1829% | 2,004 |
| Loan and lease loss provision to assets | 0.8490% | 107 |
| Net operating income to assets | 0.5070% | 4,667 |
| Return on assets (ROA) | 0.5155% | 4,723 |
| Pretax return on assets | 0.5155% | 5,079 |
| Return on Equity (ROE) | 5.3390% | 4,353 |
| Retained earnings to average equity (ytd only) | -4.4315% | 5,885 |
| Net charge-offs to loans | 0.7740% | 294 |
| Credit loss provision to net charge-offs | 152.7541% | 1,746 |
| Earnings coverage of net charge-offs (x) | 2.4398% | 3,909 |
| Efficiency ratio | 69.9441% | 3,234 |
| Assets per employee ($millions) | 3.5556% | 4,710 |
| Cash dividends to net income (ytd only)* | 183.0034% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 1,345 |
| Loan loss allowance to noncurrent loans | 50.8012% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 2.9466% | 449 |
| Noncurrent loans to loans | 3.3471% | 436 |
| Net loans and leases to total assets | 74.4614% | 1,651 |
| Net loans and leases to deposits | 101.8338% | 552 |
| Net loans and leases to core deposits | 108.0761% | 967 |
| Total domestic deposits to total assets | 73.1205% | 5,711 |
| Equity capital to assets | 9.5996% | 4,435 |
| Core capital (leverage) ratio | 9.2130% | 4,591 |
| Tier 1 risk-based capital ratio | 11.0483% | 5,496 |
| Total risk-based capital ratio | 12.3028% | 5,396 |
| Memoranda: | ||
| Average total assets | $401,777,800 | 1,643 |
| Average earning assets | $365,861,400 | 1,657 |
| Average equity | $38,790,200 | 1,854 |
| Average total loans | $288,502,200 | 1,514 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 1,581 |
| Cost of funding earning assets | 0.2438% | 4,949 |
| Net interest margin | 4.2602% | 1,039 |
| Noninterest income to average assets | 0.6177% | 2,646 |
| Noninterest expense to average assets | 3.0052% | 2,508 |
| Loan and lease loss provision to assets | 0.2462% | 701 |
| Net operating income to assets | 1.2495% | 1,485 |
| Return on assets (ROA) | 1.2607% | 1,512 |
| Pretax return on assets | 1.2607% | 2,551 |
| Return on Equity (ROE) | 13.0404% | 1,115 |
| Retained earnings to average equity (ytd only) | 2.7194% | 4,483 |
| Net charge-offs to loans | 0.0509% | 2,884 |
| Credit loss provision to net charge-offs | 681.8182% | 498 |
| Earnings coverage of net charge-offs (x) | 41.4281% | 1,207 |
| Efficiency ratio | 66.5865% | 3,786 |
| Assets per employee ($millions) | 3.4546% | 4,886 |
| Cash dividends to net income (ytd only)* | 79.1459% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 1,983 |
| Loan loss allowance to noncurrent loans | 52.6077% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 2.5048% | 692 |
| Noncurrent loans to loans | 2.9370% | 613 |
| Net loans and leases to total assets | 73.2502% | 1,863 |
| Net loans and leases to deposits | 98.4801% | 778 |
| Net loans and leases to core deposits | 104.4345% | 1,201 |
| Total domestic deposits to total assets | 74.3807% | 5,676 |
| Equity capital to assets | 10.3406% | 3,771 |
| Core capital (leverage) ratio | 9.5565% | 4,226 |
| Tier 1 risk-based capital ratio | 11.9869% | 5,095 |
| Total risk-based capital ratio | 13.2395% | 5,010 |
| Memoranda: | ||
| Average total assets | $406,220,500 | 1,635 |
| Average earning assets | $370,269,000 | 1,652 |
| Average equity | $39,272,000 | 1,844 |
| Average total loans | $287,907,000 | 1,519 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3233% | 2,104 |
| Cost of funding earning assets | 0.2423% | 5,027 |
| Net interest margin | 4.0810% | 1,406 |
| Noninterest income to average assets | 0.6757% | 2,319 |
| Noninterest expense to average assets | 2.9357% | 2,764 |
| Loan and lease loss provision to assets | 0.1450% | 1,484 |
| Net operating income to assets | 1.3156% | 1,272 |
| Return on assets (ROA) | 1.3156% | 1,326 |
| Pretax return on assets | 1.3156% | 2,311 |
| Return on Equity (ROE) | 13.9072% | 924 |
| Retained earnings to average equity (ytd only) | 4.2508% | 3,324 |
| Net charge-offs to loans | 0.0575% | 2,575 |
| Credit loss provision to net charge-offs | 361.4458% | 809 |
| Earnings coverage of net charge-offs (x) | 36.4096% | 1,201 |
| Efficiency ratio | 66.5897% | 3,902 |
| Assets per employee ($millions) | 3.7144% | 4,393 |
| Cash dividends to net income (ytd only)* | 69.4342% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 2,909 |
| Loan loss allowance to noncurrent loans | 66.7392% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.7801% | 1,304 |
| Noncurrent loans to loans | 2.0457% | 1,183 |
| Net loans and leases to total assets | 71.7664% | 2,025 |
| Net loans and leases to deposits | 94.2249% | 1,129 |
| Net loans and leases to core deposits | 99.5732% | 1,526 |
| Total domestic deposits to total assets | 76.1650% | 5,581 |
| Equity capital to assets | 9.8718% | 4,187 |
| Core capital (leverage) ratio | 9.2142% | 4,671 |
| Tier 1 risk-based capital ratio | 11.7186% | 5,328 |
| Total risk-based capital ratio | 12.9613% | 5,246 |
| Memoranda: | ||
| Average total assets | $413,807,000 | 1,619 |
| Average earning assets | $377,258,330 | 1,634 |
| Average equity | $39,145,330 | 1,857 |
| Average total loans | $288,778,000 | 1,524 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 2,502 |
| Cost of funding earning assets | 0.2456% | 5,069 |
| Net interest margin | 3.9439% | 1,730 |
| Noninterest income to average assets | 0.6265% | 2,517 |
| Noninterest expense to average assets | 2.9381% | 2,778 |
| Loan and lease loss provision to assets | 0.1428% | 1,431 |
| Net operating income to assets | 1.1377% | 1,731 |
| Return on assets (ROA) | 1.1377% | 1,840 |
| Pretax return on assets | 1.1377% | 2,916 |
| Return on Equity (ROE) | 12.2824% | 1,272 |
| Retained earnings to average equity (ytd only) | 2.0042% | 4,673 |
| Net charge-offs to loans | 0.0292% | 2,597 |
| Credit loss provision to net charge-offs | 714.2857% | 422 |
| Earnings coverage of net charge-offs (x) | 64.0476% | 697 |
| Efficiency ratio | 69.4651% | 3,582 |
| Assets per employee ($millions) | 3.9294% | 4,104 |
| Cash dividends to net income (ytd only)* | 83.6820% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 3,036 |
| Loan loss allowance to noncurrent loans | 76.0094% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.7219% | 1,451 |
| Noncurrent loans to loans | 1.8114% | 1,496 |
| Net loans and leases to total assets | 65.1735% | 2,903 |
| Net loans and leases to deposits | 83.4649% | 2,148 |
| Net loans and leases to core deposits | 88.0821% | 2,324 |
| Total domestic deposits to total assets | 78.0849% | 5,435 |
| Equity capital to assets | 9.1307% | 5,157 |
| Core capital (leverage) ratio | 8.8174% | 5,182 |
| Tier 1 risk-based capital ratio | 11.6035% | 5,493 |
| Total risk-based capital ratio | 12.8276% | 5,426 |
| Memoranda: | ||
| Average total assets | $420,134,000 | 1,611 |
| Average earning assets | $382,669,500 | 1,620 |
| Average equity | $38,917,500 | 1,875 |
| Average total loans | $287,228,000 | 1,527 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5224% | 1,785 |
| Cost of funding earning assets | 0.2568% | 5,256 |
| Net interest margin | 4.2656% | 1,124 |
| Noninterest income to average assets | 1.2069% | 819 |
| Noninterest expense to average assets | 3.3393% | 1,824 |
| Loan and lease loss provision to assets | -0.0082% | 5,910 |
| Net operating income to assets | 1.7409% | 531 |
| Return on assets (ROA) | 1.7409% | 542 |
| Pretax return on assets | 1.7409% | 909 |
| Return on Equity (ROE) | 18.1391% | 384 |
| Retained earnings to average equity (ytd only) | 4.1696% | 3,230 |
| Net charge-offs to loans | -0.0238% | 5,739 |
| Credit loss provision to net charge-offs | 50.7937% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6714% | 4,311 |
| Assets per employee ($millions) | 3.7795% | 4,387 |
| Cash dividends to net income (ytd only)* | 77.0133% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 3,460 |
| Loan loss allowance to noncurrent loans | 71.4313% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 1.8383% | 1,408 |
| Noncurrent loans to loans | 1.8101% | 1,586 |
| Net loans and leases to total assets | 69.8241% | 2,262 |
| Net loans and leases to deposits | 90.4472% | 1,474 |
| Net loans and leases to core deposits | 96.1282% | 1,708 |
| Total domestic deposits to total assets | 77.1988% | 5,570 |
| Equity capital to assets | 9.4008% | 4,843 |
| Core capital (leverage) ratio | 8.9691% | 5,040 |
| Tier 1 risk-based capital ratio | 11.4925% | 5,670 |
| Total risk-based capital ratio | 12.6767% | 5,621 |
| Memoranda: | ||
| Average total assets | $391,574,200 | 1,674 |
| Average earning assets | $354,814,400 | 1,689 |
| Average equity | $37,581,800 | 1,871 |
| Average total loans | $264,842,000 | 1,601 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4823% | 1,939 |
| Cost of funding earning assets | 0.2592% | 5,315 |
| Net interest margin | 4.2231% | 1,215 |
| Noninterest income to average assets | 1.2775% | 747 |
| Noninterest expense to average assets | 3.2350% | 2,073 |
| Loan and lease loss provision to assets | 0.0086% | 4,248 |
| Net operating income to assets | 1.8619% | 450 |
| Return on assets (ROA) | 1.8619% | 465 |
| Pretax return on assets | 1.8619% | 775 |
| Return on Equity (ROE) | 19.2942% | 323 |
| Retained earnings to average equity (ytd only) | 4.4580% | 3,478 |
| Net charge-offs to loans | -0.0635% | 6,004 |
| Credit loss provision to net charge-offs | -20.3252% | 5,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1935% | 4,687 |
| Assets per employee ($millions) | 3.6453% | 4,579 |
| Cash dividends to net income (ytd only)* | 76.8946% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 3,276 |
| Loan loss allowance to noncurrent loans | 74.1929% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 1.8822% | 1,556 |
| Noncurrent loans to loans | 1.8575% | 1,719 |
| Net loans and leases to total assets | 68.6923% | 2,434 |
| Net loans and leases to deposits | 89.6140% | 1,465 |
| Net loans and leases to core deposits | 95.2940% | 1,732 |
| Total domestic deposits to total assets | 76.6536% | 5,736 |
| Equity capital to assets | 9.3986% | 4,922 |
| Core capital (leverage) ratio | 9.2094% | 4,770 |
| Tier 1 risk-based capital ratio | 11.7840% | 5,621 |
| Total risk-based capital ratio | 13.0343% | 5,542 |
| Memoranda: | ||
| Average total assets | $386,476,500 | 1,702 |
| Average earning assets | $350,319,500 | 1,718 |
| Average equity | $37,295,250 | 1,890 |
| Average total loans | $258,197,750 | 1,649 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 2,110 |
| Cost of funding earning assets | 0.2641% | 5,344 |
| Net interest margin | 4.1563% | 1,358 |
| Noninterest income to average assets | 1.3669% | 646 |
| Noninterest expense to average assets | 3.3205% | 1,870 |
| Loan and lease loss provision to assets | 0.0131% | 3,995 |
| Net operating income to assets | 1.8064% | 488 |
| Return on assets (ROA) | 1.8064% | 503 |
| Pretax return on assets | 1.8064% | 830 |
| Return on Equity (ROE) | 18.5476% | 407 |
| Retained earnings to average equity (ytd only) | 1.5438% | 5,125 |
| Net charge-offs to loans | -0.1039% | 6,160 |
| Credit loss provision to net charge-offs | -19.2308% | 5,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4267% | 4,627 |
| Assets per employee ($millions) | 3.4872% | 4,875 |
| Cash dividends to net income (ytd only)* | 91.6764% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 3,034 |
| Loan loss allowance to noncurrent loans | 165.3356% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 1.2284% | 2,640 |
| Noncurrent loans to loans | 0.8886% | 3,479 |
| Net loans and leases to total assets | 67.4365% | 2,510 |
| Net loans and leases to deposits | 86.1801% | 1,804 |
| Net loans and leases to core deposits | 91.5005% | 1,973 |
| Total domestic deposits to total assets | 78.2507% | 5,587 |
| Equity capital to assets | 9.6258% | 4,590 |
| Core capital (leverage) ratio | 9.2055% | 4,730 |
| Tier 1 risk-based capital ratio | 12.2312% | 5,397 |
| Total risk-based capital ratio | 13.4823% | 5,314 |
| Memoranda: | ||
| Average total assets | $380,427,670 | 1,731 |
| Average earning assets | $345,356,330 | 1,737 |
| Average equity | $37,050,670 | 1,896 |
| Average total loans | $250,320,670 | 1,695 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3822% | 2,209 |
| Cost of funding earning assets | 0.2646% | 5,444 |
| Net interest margin | 4.1176% | 1,416 |
| Noninterest income to average assets | 1.4044% | 587 |
| Noninterest expense to average assets | 3.3073% | 1,931 |
| Loan and lease loss provision to assets | 0.0265% | 3,487 |
| Net operating income to assets | 1.8170% | 472 |
| Return on assets (ROA) | 1.8170% | 492 |
| Pretax return on assets | 1.8170% | 781 |
| Return on Equity (ROE) | 18.5457% | 394 |
| Retained earnings to average equity (ytd only) | 6.6366% | 2,215 |
| Net charge-offs to loans | 0.1695% | 1,704 |
| Credit loss provision to net charge-offs | 24.2718% | 2,458 |
| Earnings coverage of net charge-offs (x) | 16.8738% | 1,489 |
| Efficiency ratio | 64.0445% | 4,849 |
| Assets per employee ($millions) | 3.6753% | 4,572 |
| Cash dividends to net income (ytd only)* | 64.2148% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 3,197 |
| Loan loss allowance to noncurrent loans | 247.6642% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.9927% | 3,283 |
| Noncurrent loans to loans | 0.6002% | 4,358 |
| Net loans and leases to total assets | 61.6423% | 3,294 |
| Net loans and leases to deposits | 77.6706% | 2,609 |
| Net loans and leases to core deposits | 82.6340% | 2,674 |
| Total domestic deposits to total assets | 79.3637% | 5,619 |
| Equity capital to assets | 9.4591% | 4,550 |
| Core capital (leverage) ratio | 9.3140% | 4,556 |
| Tier 1 risk-based capital ratio | 13.2984% | 4,827 |
| Total risk-based capital ratio | 14.5497% | 4,756 |
| Memoranda: | ||
| Average total assets | $377,104,000 | 1,746 |
| Average earning assets | $343,116,500 | 1,755 |
| Average equity | $36,946,500 | 1,895 |
| Average total loans | $243,020,000 | 1,738 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6163% | 1,817 |
| Cost of funding earning assets | 0.2660% | 5,862 |
| Net interest margin | 4.3504% | 1,002 |
| Noninterest income to average assets | 1.9135% | 420 |
| Noninterest expense to average assets | 3.7713% | 1,179 |
| Loan and lease loss provision to assets | 0.1749% | 2,109 |
| Net operating income to assets | 1.9009% | 397 |
| Return on assets (ROA) | 1.9267% | 384 |
| Pretax return on assets | 1.9267% | 571 |
| Return on Equity (ROE) | 18.9257% | 345 |
| Retained earnings to average equity (ytd only) | 6.5362% | 1,663 |
| Net charge-offs to loans | 0.4241% | 1,576 |
| Credit loss provision to net charge-offs | 63.4146% | 3,465 |
| Earnings coverage of net charge-offs (x) | 7.5264% | 2,829 |
| Efficiency ratio | 64.2874% | 4,849 |
| Assets per employee ($millions) | 3.1943% | 5,496 |
| Cash dividends to net income (ytd only)* | 65.4641% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5573% | 2,931 |
| Loan loss allowance to noncurrent loans | 160.8003% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 1.3162% | 2,788 |
| Noncurrent loans to loans | 0.9684% | 3,583 |
| Net loans and leases to total assets | 65.4472% | 2,782 |
| Net loans and leases to deposits | 76.8054% | 2,884 |
| Net loans and leases to core deposits | 83.0714% | 2,766 |
| Total domestic deposits to total assets | 85.2117% | 3,632 |
| Equity capital to assets | 10.1661% | 3,548 |
| Core capital (leverage) ratio | 9.3333% | 4,502 |
| Tier 1 risk-based capital ratio | 13.6738% | 4,535 |
| Total risk-based capital ratio | 14.9266% | 4,484 |
| Memoranda: | ||
| Average total assets | $356,773,000 | 1,820 |
| Average earning assets | $322,594,600 | 1,845 |
| Average equity | $36,321,000 | 1,904 |
| Average total loans | $232,031,600 | 1,776 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4905% | 2,271 |
| Cost of funding earning assets | 0.2579% | 6,027 |
| Net interest margin | 4.2326% | 1,238 |
| Noninterest income to average assets | 1.6926% | 528 |
| Noninterest expense to average assets | 3.6150% | 1,369 |
| Loan and lease loss provision to assets | 0.2151% | 1,694 |
| Net operating income to assets | 1.6893% | 631 |
| Return on assets (ROA) | 1.7237% | 630 |
| Pretax return on assets | 1.7237% | 1,047 |
| Return on Equity (ROE) | 16.9260% | 546 |
| Retained earnings to average equity (ytd only) | 8.0931% | 1,372 |
| Net charge-offs to loans | 0.5477% | 1,161 |
| Credit loss provision to net charge-offs | 60.7407% | 3,283 |
| Earnings coverage of net charge-offs (x) | 5.3767% | 3,209 |
| Efficiency ratio | 65.2180% | 4,616 |
| Assets per employee ($millions) | 3.2473% | 5,392 |
| Cash dividends to net income (ytd only)* | 52.1852% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5840% | 3,078 |
| Loan loss allowance to noncurrent loans | 128.4926% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 1.5204% | 2,654 |
| Noncurrent loans to loans | 1.2327% | 3,347 |
| Net loans and leases to total assets | 63.0736% | 3,153 |
| Net loans and leases to deposits | 74.2907% | 3,196 |
| Net loans and leases to core deposits | 80.8813% | 3,020 |
| Total domestic deposits to total assets | 84.9010% | 3,792 |
| Equity capital to assets | 9.8543% | 4,104 |
| Core capital (leverage) ratio | 10.0633% | 3,579 |
| Tier 1 risk-based capital ratio | 13.9174% | 4,486 |
| Total risk-based capital ratio | 15.1699% | 4,440 |
| Memoranda: | ||
| Average total assets | $355,727,500 | 1,832 |
| Average earning assets | $321,619,250 | 1,856 |
| Average equity | $36,227,500 | 1,919 |
| Average total loans | $230,046,500 | 1,790 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5488% | 2,033 |
| Cost of funding earning assets | 0.2588% | 6,114 |
| Net interest margin | 4.2900% | 1,051 |
| Noninterest income to average assets | 1.1983% | 1,062 |
| Noninterest expense to average assets | 3.6109% | 1,394 |
| Loan and lease loss provision to assets | 0.2693% | 1,370 |
| Net operating income to assets | 1.1892% | 1,618 |
| Return on assets (ROA) | 1.2415% | 1,576 |
| Pretax return on assets | 1.2415% | 2,511 |
| Return on Equity (ROE) | 12.0552% | 1,476 |
| Retained earnings to average equity (ytd only) | 9.8483% | 883 |
| Net charge-offs to loans | 0.8233% | 762 |
| Credit loss provision to net charge-offs | 50.4255% | 3,199 |
| Earnings coverage of net charge-offs (x) | 2.7309% | 3,604 |
| Efficiency ratio | 70.8586% | 3,667 |
| Assets per employee ($millions) | 2.9093% | 6,006 |
| Cash dividends to net income (ytd only)* | 18.3066% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5703% | 3,268 |
| Loan loss allowance to noncurrent loans | 130.2009% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 1.6978% | 2,560 |
| Noncurrent loans to loans | 1.2061% | 3,541 |
| Net loans and leases to total assets | 68.6055% | 2,125 |
| Net loans and leases to deposits | 82.2962% | 2,023 |
| Net loans and leases to core deposits | 91.0850% | 1,800 |
| Total domestic deposits to total assets | 83.3641% | 4,564 |
| Equity capital to assets | 11.1045% | 2,656 |
| Core capital (leverage) ratio | 10.0294% | 3,470 |
| Tier 1 risk-based capital ratio | 13.8601% | 4,516 |
| Total risk-based capital ratio | 15.1124% | 4,489 |
| Memoranda: | ||
| Average total assets | $351,988,000 | 1,852 |
| Average earning assets | $317,623,330 | 1,885 |
| Average equity | $36,250,000 | 1,927 |
| Average total loans | $228,338,330 | 1,796 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 3,140 |
| Cost of funding earning assets | 0.2433% | 6,329 |
| Net interest margin | 3.9992% | 1,784 |
| Noninterest income to average assets | 0.9653% | 1,569 |
| Noninterest expense to average assets | 3.5852% | 1,447 |
| Loan and lease loss provision to assets | -0.0839% | 6,826 |
| Net operating income to assets | 1.0769% | 1,943 |
| Return on assets (ROA) | 1.0769% | 2,049 |
| Pretax return on assets | 1.0769% | 3,037 |
| Return on Equity (ROE) | 10.8452% | 1,752 |
| Retained earnings to average equity (ytd only) | 10.8452% | 906 |
| Net charge-offs to loans | -0.2168% | 6,700 |
| Credit loss provision to net charge-offs | 61.7886% | 2,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7322% | 2,655 |
| Assets per employee ($millions) | 3.1609% | 5,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8504% | 2,446 |
| Loan loss allowance to noncurrent loans | 104.8583% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 1.9024% | 2,474 |
| Noncurrent loans to loans | 1.7647% | 2,916 |
| Net loans and leases to total assets | 61.5390% | 3,162 |
| Net loans and leases to deposits | 72.6287% | 3,103 |
| Net loans and leases to core deposits | 80.1145% | 2,793 |
| Total domestic deposits to total assets | 84.7311% | 4,165 |
| Equity capital to assets | 10.1925% | 3,915 |
| Core capital (leverage) ratio | 9.4811% | 4,122 |
| Tier 1 risk-based capital ratio | 13.8550% | 4,612 |
| Total risk-based capital ratio | 15.1145% | 4,564 |
| Memoranda: | ||
| Average total assets | $362,153,500 | 1,822 |
| Average earning assets | $327,162,500 | 1,848 |
| Average equity | $35,960,500 | 1,965 |
| Average total loans | $226,925,000 | 1,821 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5655% | 3,146 |
| Cost of funding earning assets | 0.3577% | 6,169 |
| Net interest margin | 4.2078% | 1,640 |
| Noninterest income to average assets | 1.5451% | 658 |
| Noninterest expense to average assets | 3.8961% | 1,103 |
| Loan and lease loss provision to assets | 0.3412% | 1,970 |
| Net operating income to assets | 1.0679% | 2,057 |
| Return on assets (ROA) | 1.0773% | 2,210 |
| Pretax return on assets | 1.0773% | 3,246 |
| Return on Equity (ROE) | 11.2470% | 1,728 |
| Retained earnings to average equity (ytd only) | 11.2470% | 411 |
| Net charge-offs to loans | 0.7280% | 1,613 |
| Credit loss provision to net charge-offs | 69.8837% | 4,171 |
| Earnings coverage of net charge-offs (x) | 2.8860% | 3,987 |
| Efficiency ratio | 72.9199% | 3,254 |
| Assets per employee ($millions) | 3.2489% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7821% | 2,647 |
| Loan loss allowance to noncurrent loans | 63.9557% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 2.5120% | 1,942 |
| Noncurrent loans to loans | 2.7864% | 1,887 |
| Net loans and leases to total assets | 61.5056% | 3,335 |
| Net loans and leases to deposits | 73.1302% | 3,235 |
| Net loans and leases to core deposits | 80.7757% | 2,906 |
| Total domestic deposits to total assets | 84.1043% | 4,269 |
| Equity capital to assets | 9.6738% | 4,628 |
| Core capital (leverage) ratio | 9.5188% | 4,078 |
| Tier 1 risk-based capital ratio | 13.0123% | 5,099 |
| Total risk-based capital ratio | 14.2707% | 5,031 |
| Memoranda: | ||
| Average total assets | $352,279,600 | 1,835 |
| Average earning assets | $314,796,200 | 1,886 |
| Average equity | $33,742,400 | 2,045 |
| Average total loans | $236,270,200 | 1,734 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6678% | 2,935 |
| Cost of funding earning assets | 0.3866% | 6,194 |
| Net interest margin | 4.2812% | 1,531 |
| Noninterest income to average assets | 1.5786% | 597 |
| Noninterest expense to average assets | 3.6331% | 1,491 |
| Loan and lease loss provision to assets | 0.5956% | 936 |
| Net operating income to assets | 1.1705% | 1,830 |
| Return on assets (ROA) | 1.1831% | 1,979 |
| Pretax return on assets | 1.1831% | 3,050 |
| Return on Equity (ROE) | 12.3844% | 1,502 |
| Retained earnings to average equity (ytd only) | 12.3844% | 465 |
| Net charge-offs to loans | 0.9675% | 1,102 |
| Credit loss provision to net charge-offs | 90.2086% | 3,286 |
| Earnings coverage of net charge-offs (x) | 2.6750% | 3,966 |
| Efficiency ratio | 66.7729% | 4,292 |
| Assets per employee ($millions) | 3.3775% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9463% | 2,338 |
| Loan loss allowance to noncurrent loans | 65.1811% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 2.9980% | 1,743 |
| Noncurrent loans to loans | 2.9860% | 1,871 |
| Net loans and leases to total assets | 65.6617% | 2,716 |
| Net loans and leases to deposits | 79.2407% | 2,506 |
| Net loans and leases to core deposits | 87.5576% | 2,266 |
| Total domestic deposits to total assets | 82.8635% | 4,690 |
| Equity capital to assets | 10.1995% | 4,205 |
| Core capital (leverage) ratio | 9.2898% | 4,600 |
| Tier 1 risk-based capital ratio | 12.8567% | 5,365 |
| Total risk-based capital ratio | 14.1171% | 5,320 |
| Memoranda: | ||
| Average total assets | $348,568,500 | 1,879 |
| Average earning assets | $311,060,000 | 1,918 |
| Average equity | $33,299,250 | 2,088 |
| Average total loans | $237,863,000 | 1,740 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 2,642 |
| Cost of funding earning assets | 0.4157% | 6,190 |
| Net interest margin | 4.3539% | 1,329 |
| Noninterest income to average assets | 1.8106% | 470 |
| Noninterest expense to average assets | 3.5927% | 1,589 |
| Loan and lease loss provision to assets | 0.7161% | 746 |
| Net operating income to assets | 1.3742% | 1,247 |
| Return on assets (ROA) | 1.3742% | 1,406 |
| Pretax return on assets | 1.3742% | 2,306 |
| Return on Equity (ROE) | 14.7067% | 984 |
| Retained earnings to average equity (ytd only) | 14.7067% | 297 |
| Net charge-offs to loans | 1.2464% | 862 |
| Credit loss provision to net charge-offs | 83.6884% | 3,221 |
| Earnings coverage of net charge-offs (x) | 2.4427% | 3,780 |
| Efficiency ratio | 62.7268% | 5,128 |
| Assets per employee ($millions) | 3.3539% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8643% | 2,661 |
| Loan loss allowance to noncurrent loans | 90.3826% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 2.5090% | 2,228 |
| Noncurrent loans to loans | 2.0627% | 2,873 |
| Net loans and leases to total assets | 67.9066% | 2,301 |
| Net loans and leases to deposits | 82.0454% | 2,106 |
| Net loans and leases to core deposits | 92.9801% | 1,685 |
| Total domestic deposits to total assets | 82.7672% | 4,843 |
| Equity capital to assets | 9.9713% | 4,374 |
| Core capital (leverage) ratio | 8.9244% | 5,017 |
| Tier 1 risk-based capital ratio | 12.1268% | 5,848 |
| Total risk-based capital ratio | 13.3734% | 5,825 |
| Memoranda: | ||
| Average total assets | $351,049,330 | 1,869 |
| Average earning assets | $312,225,330 | 1,916 |
| Average equity | $32,801,330 | 2,097 |
| Average total loans | $241,005,670 | 1,712 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7846% | 2,691 |
| Cost of funding earning assets | 0.4460% | 6,170 |
| Net interest margin | 4.3386% | 1,359 |
| Noninterest income to average assets | 2.1724% | 361 |
| Noninterest expense to average assets | 3.6506% | 1,463 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.3673% | 217 |
| Return on assets (ROA) | 2.3673% | 268 |
| Pretax return on assets | 2.3673% | 411 |
| Return on Equity (ROE) | 26.1686% | 155 |
| Retained earnings to average equity (ytd only) | 26.1686% | 79 |
| Net charge-offs to loans | 1.4408% | 694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.4023% | 3,216 |
| Efficiency ratio | 60.2159% | 5,584 |
| Assets per employee ($millions) | 2.9454% | 6,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 3,914 |
| Loan loss allowance to noncurrent loans | 55.3661% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 3.2262% | 1,791 |
| Noncurrent loans to loans | 2.8081% | 2,297 |
| Net loans and leases to total assets | 63.7255% | 2,905 |
| Net loans and leases to deposits | 75.3707% | 2,913 |
| Net loans and leases to core deposits | 83.4360% | 2,615 |
| Total domestic deposits to total assets | 84.5493% | 4,250 |
| Equity capital to assets | 9.0123% | 5,478 |
| Core capital (leverage) ratio | 8.7634% | 5,179 |
| Tier 1 risk-based capital ratio | 11.8363% | 6,060 |
| Total risk-based capital ratio | 13.0923% | 6,041 |
| Memoranda: | ||
| Average total assets | $357,202,500 | 1,850 |
| Average earning assets | $316,599,500 | 1,894 |
| Average equity | $32,313,500 | 2,130 |
| Average total loans | $244,309,000 | 1,695 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8745% | 3,478 |
| Cost of funding earning assets | 0.6127% | 6,028 |
| Net interest margin | 4.2618% | 1,835 |
| Noninterest income to average assets | 1.0200% | 1,308 |
| Noninterest expense to average assets | 3.6190% | 1,704 |
| Loan and lease loss provision to assets | 0.9462% | 1,017 |
| Net operating income to assets | 0.2233% | 5,515 |
| Return on assets (ROA) | 0.2233% | 5,657 |
| Pretax return on assets | 0.2233% | 5,733 |
| Return on Equity (ROE) | 2.3874% | 5,513 |
| Retained earnings to average equity (ytd only) | 1.7490% | 4,972 |
| Net charge-offs to loans | 0.6865% | 2,438 |
| Credit loss provision to net charge-offs | 191.5408% | 1,335 |
| Earnings coverage of net charge-offs (x) | 2.3674% | 4,035 |
| Efficiency ratio | 74.9719% | 3,062 |
| Assets per employee ($millions) | 2.7910% | 6,470 |
| Cash dividends to net income (ytd only)* | 26.7380% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8580% | 2,684 |
| Loan loss allowance to noncurrent loans | 48.1331% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 4.0456% | 1,416 |
| Noncurrent loans to loans | 3.8601% | 1,629 |
| Net loans and leases to total assets | 71.0109% | 1,823 |
| Net loans and leases to deposits | 84.5567% | 1,853 |
| Net loans and leases to core deposits | 97.9425% | 1,332 |
| Total domestic deposits to total assets | 83.9802% | 4,324 |
| Equity capital to assets | 9.0830% | 5,442 |
| Core capital (leverage) ratio | 8.4663% | 5,615 |
| Tier 1 risk-based capital ratio | 10.7471% | 6,584 |
| Total risk-based capital ratio | 12.0067% | 6,559 |
| Memoranda: | ||
| Average total assets | $335,007,000 | 1,931 |
| Average earning assets | $296,237,200 | 1,977 |
| Average equity | $31,331,800 | 2,114 |
| Average total loans | $241,069,400 | 1,737 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9314% | 3,420 |
| Cost of funding earning assets | 0.6340% | 6,115 |
| Net interest margin | 4.2974% | 1,725 |
| Noninterest income to average assets | 1.0913% | 1,125 |
| Noninterest expense to average assets | 3.5922% | 1,723 |
| Loan and lease loss provision to assets | 0.6195% | 1,588 |
| Net operating income to assets | 0.6796% | 3,717 |
| Return on assets (ROA) | 0.6796% | 3,892 |
| Pretax return on assets | 0.6796% | 4,554 |
| Return on Equity (ROE) | 7.2128% | 3,416 |
| Retained earnings to average equity (ytd only) | 6.3627% | 2,317 |
| Net charge-offs to loans | 0.6320% | 2,354 |
| Credit loss provision to net charge-offs | 136.4198% | 2,333 |
| Earnings coverage of net charge-offs (x) | 2.8607% | 3,713 |
| Efficiency ratio | 72.8426% | 3,390 |
| Assets per employee ($millions) | 2.9391% | 6,246 |
| Cash dividends to net income (ytd only)* | 11.7855% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 4,141 |
| Loan loss allowance to noncurrent loans | 38.6554% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 4.3402% | 1,391 |
| Noncurrent loans to loans | 3.8591% | 1,735 |
| Net loans and leases to total assets | 68.6336% | 2,345 |
| Net loans and leases to deposits | 81.5973% | 2,431 |
| Net loans and leases to core deposits | 97.1595% | 1,495 |
| Total domestic deposits to total assets | 84.1127% | 4,179 |
| Equity capital to assets | 9.5086% | 5,069 |
| Core capital (leverage) ratio | 8.8385% | 5,198 |
| Tier 1 risk-based capital ratio | 11.4997% | 6,241 |
| Total risk-based capital ratio | 12.7542% | 6,233 |
| Memoranda: | ||
| Average total assets | $332,936,750 | 1,954 |
| Average earning assets | $294,403,000 | 1,995 |
| Average equity | $31,369,500 | 2,115 |
| Average total loans | $239,240,000 | 1,764 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8819% | 3,697 |
| Cost of funding earning assets | 0.6526% | 6,212 |
| Net interest margin | 4.2292% | 1,925 |
| Noninterest income to average assets | 0.8990% | 1,650 |
| Noninterest expense to average assets | 3.6456% | 1,633 |
| Loan and lease loss provision to assets | 0.4800% | 2,061 |
| Net operating income to assets | 0.5060% | 4,475 |
| Return on assets (ROA) | 0.5060% | 4,615 |
| Pretax return on assets | 0.5060% | 5,052 |
| Return on Equity (ROE) | 5.3868% | 4,260 |
| Retained earnings to average equity (ytd only) | 5.3868% | 2,748 |
| Net charge-offs to loans | 0.5863% | 2,353 |
| Credit loss provision to net charge-offs | 112.7660% | 2,722 |
| Earnings coverage of net charge-offs (x) | 2.3163% | 3,670 |
| Efficiency ratio | 78.0733% | 2,697 |
| Assets per employee ($millions) | 2.9831% | 6,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 4,880 |
| Loan loss allowance to noncurrent loans | 25.6225% | 6,491 |
| Noncurrent assets plus other real estate owned to assets | 4.7672% | 1,304 |
| Noncurrent loans to loans | 5.2197% | 1,236 |
| Net loans and leases to total assets | 71.7163% | 1,841 |
| Net loans and leases to deposits | 84.6657% | 2,000 |
| Net loans and leases to core deposits | 104.3453% | 1,021 |
| Total domestic deposits to total assets | 84.7053% | 4,017 |
| Equity capital to assets | 9.5965% | 4,664 |
| Core capital (leverage) ratio | 9.0599% | 4,632 |
| Tier 1 risk-based capital ratio | 11.4581% | 6,197 |
| Total risk-based capital ratio | 12.7122% | 6,187 |
| Memoranda: | ||
| Average total assets | $331,249,330 | 1,969 |
| Average earning assets | $292,346,670 | 2,020 |
| Average equity | $31,113,000 | 2,117 |
| Average total loans | $240,488,670 | 1,772 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0672% | 2,790 |
| Cost of funding earning assets | 0.6747% | 6,279 |
| Net interest margin | 4.3925% | 1,300 |
| Noninterest income to average assets | 0.8762% | 1,744 |
| Noninterest expense to average assets | 3.6634% | 1,621 |
| Loan and lease loss provision to assets | 0.3726% | 2,322 |
| Net operating income to assets | 0.7055% | 3,497 |
| Return on assets (ROA) | 0.7055% | 3,566 |
| Pretax return on assets | 0.7055% | 4,289 |
| Return on Equity (ROE) | 7.5927% | 3,105 |
| Retained earnings to average equity (ytd only) | 7.5927% | 1,892 |
| Net charge-offs to loans | 0.3031% | 2,830 |
| Credit loss provision to net charge-offs | 169.3989% | 1,704 |
| Earnings coverage of net charge-offs (x) | 4.9016% | 2,376 |
| Efficiency ratio | 76.6540% | 3,042 |
| Assets per employee ($millions) | 2.8581% | 6,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 4,916 |
| Loan loss allowance to noncurrent loans | 40.2821% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 3.4970% | 1,951 |
| Noncurrent loans to loans | 3.3416% | 2,245 |
| Net loans and leases to total assets | 73.8843% | 1,368 |
| Net loans and leases to deposits | 87.0301% | 1,591 |
| Net loans and leases to core deposits | 106.9360% | 898 |
| Total domestic deposits to total assets | 84.8952% | 4,084 |
| Equity capital to assets | 9.7537% | 4,103 |
| Core capital (leverage) ratio | 8.7174% | 5,056 |
| Tier 1 risk-based capital ratio | 11.2620% | 6,298 |
| Total risk-based capital ratio | 12.5160% | 6,270 |
| Memoranda: | ||
| Average total assets | $332,804,000 | 1,971 |
| Average earning assets | $292,865,000 | 2,036 |
| Average equity | $30,924,500 | 2,118 |
| Average total loans | $241,473,000 | 1,784 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7267% | 1,481 |
| Cost of funding earning assets | 0.8756% | 6,266 |
| Net interest margin | 4.8511% | 602 |
| Noninterest income to average assets | 0.7246% | 2,679 |
| Noninterest expense to average assets | 3.8153% | 1,454 |
| Loan and lease loss provision to assets | 0.7559% | 2,171 |
| Net operating income to assets | 0.3742% | 4,663 |
| Return on assets (ROA) | 0.3742% | 4,806 |
| Pretax return on assets | 0.3742% | 5,019 |
| Return on Equity (ROE) | 4.1520% | 4,454 |
| Retained earnings to average equity (ytd only) | 2.3324% | 4,245 |
| Net charge-offs to loans | 0.7813% | 2,681 |
| Credit loss provision to net charge-offs | 126.4339% | 3,204 |
| Earnings coverage of net charge-offs (x) | 1.8903% | 4,306 |
| Efficiency ratio | 76.5632% | 2,952 |
| Assets per employee ($millions) | 3.1410% | 5,788 |
| Cash dividends to net income (ytd only)* | 43.8247% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 5,139 |
| Loan loss allowance to noncurrent loans | 57.5139% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 2.8622% | 2,446 |
| Noncurrent loans to loans | 2.2162% | 3,307 |
| Net loans and leases to total assets | 69.4962% | 2,662 |
| Net loans and leases to deposits | 89.1659% | 1,623 |
| Net loans and leases to core deposits | 111.4167% | 849 |
| Total domestic deposits to total assets | 77.9404% | 6,327 |
| Equity capital to assets | 8.8644% | 5,334 |
| Core capital (leverage) ratio | 8.2818% | 5,711 |
| Tier 1 risk-based capital ratio | 10.8205% | 6,470 |
| Total risk-based capital ratio | 12.0189% | 6,482 |
| Memoranda: | ||
| Average total assets | $335,358,600 | 1,941 |
| Average earning assets | $291,791,000 | 2,032 |
| Average equity | $30,226,600 | 2,156 |
| Average total loans | $256,616,800 | 1,724 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7465% | 1,561 |
| Cost of funding earning assets | 0.9232% | 6,294 |
| Net interest margin | 4.8233% | 644 |
| Noninterest income to average assets | 0.7443% | 2,553 |
| Noninterest expense to average assets | 3.6351% | 1,707 |
| Loan and lease loss provision to assets | 0.8533% | 1,777 |
| Net operating income to assets | 0.4419% | 4,581 |
| Return on assets (ROA) | 0.4419% | 4,763 |
| Pretax return on assets | 0.4419% | 5,107 |
| Return on Equity (ROE) | 4.8815% | 4,353 |
| Retained earnings to average equity (ytd only) | 2.4474% | 4,708 |
| Net charge-offs to loans | 0.2662% | 4,353 |
| Credit loss provision to net charge-offs | 410.4046% | 731 |
| Earnings coverage of net charge-offs (x) | 6.2293% | 2,565 |
| Efficiency ratio | 73.1372% | 3,496 |
| Assets per employee ($millions) | 2.9755% | 6,206 |
| Cash dividends to net income (ytd only)* | 49.8643% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 3,527 |
| Loan loss allowance to noncurrent loans | 33.8351% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 5.1326% | 1,249 |
| Noncurrent loans to loans | 4.7296% | 1,498 |
| Net loans and leases to total assets | 77.8398% | 1,067 |
| Net loans and leases to deposits | 101.6721% | 549 |
| Net loans and leases to core deposits | 127.3560% | 426 |
| Total domestic deposits to total assets | 76.5597% | 6,556 |
| Equity capital to assets | 9.2351% | 5,252 |
| Core capital (leverage) ratio | 8.5475% | 5,423 |
| Tier 1 risk-based capital ratio | 10.0354% | 7,049 |
| Total risk-based capital ratio | 11.2921% | 7,031 |
| Memoranda: | ||
| Average total assets | $332,822,000 | 1,982 |
| Average earning assets | $288,840,000 | 2,086 |
| Average equity | $30,126,500 | 2,188 |
| Average total loans | $259,967,750 | 1,727 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9145% | 1,148 |
| Cost of funding earning assets | 0.9673% | 6,301 |
| Net interest margin | 4.9472% | 476 |
| Noninterest income to average assets | 0.7774% | 2,248 |
| Noninterest expense to average assets | 3.6731% | 1,613 |
| Loan and lease loss provision to assets | 1.2767% | 1,089 |
| Net operating income to assets | 0.1073% | 5,848 |
| Return on assets (ROA) | 0.1073% | 5,958 |
| Pretax return on assets | 0.1073% | 5,963 |
| Return on Equity (ROE) | 1.1933% | 5,894 |
| Retained earnings to average equity (ytd only) | -2.4732% | 6,222 |
| Net charge-offs to loans | 0.2404% | 4,160 |
| Credit loss provision to net charge-offs | 682.6923% | 545 |
| Earnings coverage of net charge-offs (x) | 7.4006% | 2,304 |
| Efficiency ratio | 72.0517% | 3,805 |
| Assets per employee ($millions) | 2.8722% | 6,411 |
| Cash dividends to net income (ytd only)* | 307.2626% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6903% | 3,115 |
| Loan loss allowance to noncurrent loans | 107.3911% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 2.8205% | 2,562 |
| Noncurrent loans to loans | 1.5740% | 4,349 |
| Net loans and leases to total assets | 77.9428% | 1,126 |
| Net loans and leases to deposits | 102.4553% | 571 |
| Net loans and leases to core deposits | 132.2801% | 384 |
| Total domestic deposits to total assets | 76.0749% | 6,678 |
| Equity capital to assets | 9.0306% | 5,399 |
| Core capital (leverage) ratio | 8.1944% | 5,947 |
| Tier 1 risk-based capital ratio | 9.6402% | 7,203 |
| Total risk-based capital ratio | 10.8975% | 7,199 |
| Memoranda: | ||
| Average total assets | $333,668,670 | 1,993 |
| Average earning assets | $288,647,330 | 2,098 |
| Average equity | $30,001,330 | 2,189 |
| Average total loans | $259,533,000 | 1,756 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8980% | 1,204 |
| Cost of funding earning assets | 1.0188% | 6,282 |
| Net interest margin | 4.8792% | 545 |
| Noninterest income to average assets | 0.7815% | 2,112 |
| Noninterest expense to average assets | 3.5631% | 1,812 |
| Loan and lease loss provision to assets | 0.3563% | 3,239 |
| Net operating income to assets | 1.0939% | 1,847 |
| Return on assets (ROA) | 1.0939% | 1,930 |
| Pretax return on assets | 1.0939% | 2,755 |
| Return on Equity (ROE) | 12.1916% | 1,445 |
| Retained earnings to average equity (ytd only) | 6.2348% | 2,503 |
| Net charge-offs to loans | 0.2065% | 3,677 |
| Credit loss provision to net charge-offs | 223.8806% | 1,686 |
| Earnings coverage of net charge-offs (x) | 9.1119% | 1,893 |
| Efficiency ratio | 70.5046% | 4,222 |
| Assets per employee ($millions) | 2.8575% | 6,519 |
| Cash dividends to net income (ytd only)* | 48.8599% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 6,247 |
| Loan loss allowance to noncurrent loans | 62.9834% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 2.8622% | 2,524 |
| Noncurrent loans to loans | 1.6613% | 4,253 |
| Net loans and leases to total assets | 76.7393% | 1,384 |
| Net loans and leases to deposits | 99.9683% | 754 |
| Net loans and leases to core deposits | 127.6697% | 547 |
| Total domestic deposits to total assets | 76.7637% | 6,606 |
| Equity capital to assets | 9.0283% | 5,238 |
| Core capital (leverage) ratio | 8.3213% | 5,703 |
| Tier 1 risk-based capital ratio | 9.8112% | 7,148 |
| Total risk-based capital ratio | 10.7858% | 7,281 |
| Memoranda: | ||
| Average total assets | $336,788,000 | 2,030 |
| Average earning assets | $292,099,500 | 2,129 |
| Average equity | $30,217,500 | 2,205 |
| Average total loans | $259,501,500 | 1,806 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9211% | 2,155 |
| Cost of funding earning assets | 1.3893% | 5,976 |
| Net interest margin | 4.5318% | 1,110 |
| Noninterest income to average assets | 0.7690% | 2,561 |
| Noninterest expense to average assets | 3.7916% | 1,712 |
| Loan and lease loss provision to assets | 0.5033% | 3,862 |
| Net operating income to assets | 0.4122% | 4,081 |
| Return on assets (ROA) | 0.4122% | 4,189 |
| Pretax return on assets | 0.4122% | 4,463 |
| Return on Equity (ROE) | 4.4601% | 3,904 |
| Retained earnings to average equity (ytd only) | 0.5730% | 4,581 |
| Net charge-offs to loans | 0.6268% | 3,328 |
| Credit loss provision to net charge-offs | 100.3086% | 5,497 |
| Earnings coverage of net charge-offs (x) | 1.8247% | 4,356 |
| Efficiency ratio | 79.9118% | 2,904 |
| Assets per employee ($millions) | 2.9769% | 6,277 |
| Cash dividends to net income (ytd only)* | 87.1525% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 6,402 |
| Loan loss allowance to noncurrent loans | 46.6002% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 3.2370% | 2,120 |
| Noncurrent loans to loans | 2.1416% | 3,470 |
| Net loans and leases to total assets | 75.7878% | 1,858 |
| Net loans and leases to deposits | 98.3144% | 1,067 |
| Net loans and leases to core deposits | 141.8047% | 741 |
| Total domestic deposits to total assets | 77.0872% | 6,457 |
| Equity capital to assets | 8.9161% | 5,261 |
| Core capital (leverage) ratio | 8.1404% | 5,929 |
| Tier 1 risk-based capital ratio | 9.7258% | 7,079 |
| Total risk-based capital ratio | 10.6499% | 7,261 |
| Memoranda: | ||
| Average total assets | $322,868,200 | 2,103 |
| Average earning assets | $280,574,400 | 2,183 |
| Average equity | $29,842,400 | 2,237 |
| Average total loans | $258,445,000 | 1,845 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0152% | 1,971 |
| Cost of funding earning assets | 1.4563% | 6,016 |
| Net interest margin | 4.5589% | 1,063 |
| Noninterest income to average assets | 0.5947% | 3,752 |
| Noninterest expense to average assets | 3.6520% | 1,918 |
| Loan and lease loss provision to assets | 0.3819% | 4,034 |
| Net operating income to assets | 0.5258% | 3,879 |
| Return on assets (ROA) | 0.5258% | 3,969 |
| Pretax return on assets | 0.5258% | 4,441 |
| Return on Equity (ROE) | 5.6366% | 3,674 |
| Retained earnings to average equity (ytd only) | 0.6710% | 4,910 |
| Net charge-offs to loans | 0.6402% | 2,759 |
| Credit loss provision to net charge-offs | 73.6715% | 5,910 |
| Earnings coverage of net charge-offs (x) | 1.7512% | 4,484 |
| Efficiency ratio | 79.4252% | 2,936 |
| Assets per employee ($millions) | 2.6010% | 7,047 |
| Cash dividends to net income (ytd only)* | 88.0950% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8427% | 6,977 |
| Loan loss allowance to noncurrent loans | 42.4829% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 2.5390% | 2,733 |
| Noncurrent loans to loans | 1.9836% | 3,664 |
| Net loans and leases to total assets | 78.4838% | 1,485 |
| Net loans and leases to deposits | 104.4458% | 743 |
| Net loans and leases to core deposits | 141.4745% | 853 |
| Total domestic deposits to total assets | 75.1431% | 6,742 |
| Equity capital to assets | 8.9390% | 5,574 |
| Core capital (leverage) ratio | 8.2980% | 5,838 |
| Tier 1 risk-based capital ratio | 9.6807% | 7,251 |
| Total risk-based capital ratio | 10.4831% | 7,516 |
| Memoranda: | ||
| Average total assets | $319,487,000 | 2,126 |
| Average earning assets | $277,867,000 | 2,210 |
| Average equity | $29,804,750 | 2,270 |
| Average total loans | $258,677,500 | 1,868 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0522% | 1,975 |
| Cost of funding earning assets | 1.5480% | 5,932 |
| Net interest margin | 4.5041% | 1,162 |
| Noninterest income to average assets | 0.4329% | 5,003 |
| Noninterest expense to average assets | 3.6831% | 1,871 |
| Loan and lease loss provision to assets | 0.3661% | 3,736 |
| Net operating income to assets | 0.2960% | 4,917 |
| Return on assets (ROA) | 0.2960% | 5,026 |
| Pretax return on assets | 0.2960% | 5,224 |
| Return on Equity (ROE) | 3.1269% | 4,852 |
| Retained earnings to average equity (ytd only) | -1.9837% | 5,739 |
| Net charge-offs to loans | 0.8253% | 2,040 |
| Credit loss provision to net charge-offs | 54.3478% | 5,691 |
| Earnings coverage of net charge-offs (x) | 0.9830% | 4,798 |
| Efficiency ratio | 84.0440% | 2,467 |
| Assets per employee ($millions) | 2.5069% | 7,233 |
| Cash dividends to net income (ytd only)* | 163.4409% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7966% | 7,166 |
| Loan loss allowance to noncurrent loans | 29.6708% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 2.7800% | 2,313 |
| Noncurrent loans to loans | 2.6846% | 2,681 |
| Net loans and leases to total assets | 82.0907% | 939 |
| Net loans and leases to deposits | 101.9450% | 1,076 |
| Net loans and leases to core deposits | 130.4124% | 1,531 |
| Total domestic deposits to total assets | 80.5245% | 5,267 |
| Equity capital to assets | 9.3543% | 4,797 |
| Core capital (leverage) ratio | 8.4515% | 5,521 |
| Tier 1 risk-based capital ratio | 9.7987% | 7,139 |
| Total risk-based capital ratio | 10.5676% | 7,511 |
| Memoranda: | ||
| Average total assets | $314,140,000 | 2,175 |
| Average earning assets | $272,859,670 | 2,267 |
| Average equity | $29,742,000 | 2,284 |
| Average total loans | $256,379,000 | 1,909 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0394% | 2,200 |
| Cost of funding earning assets | 1.6234% | 5,933 |
| Net interest margin | 4.4160% | 1,311 |
| Noninterest income to average assets | 0.8044% | 2,301 |
| Noninterest expense to average assets | 3.6517% | 1,752 |
| Loan and lease loss provision to assets | 0.4086% | 2,874 |
| Net operating income to assets | 0.5924% | 4,046 |
| Return on assets (ROA) | 0.5924% | 4,245 |
| Pretax return on assets | 0.5924% | 4,779 |
| Return on Equity (ROE) | 6.2199% | 3,945 |
| Retained earnings to average equity (ytd only) | -1.2869% | 5,956 |
| Net charge-offs to loans | 1.3502% | 1,047 |
| Credit loss provision to net charge-offs | 37.3396% | 4,848 |
| Earnings coverage of net charge-offs (x) | 0.9148% | 4,311 |
| Efficiency ratio | 77.8266% | 3,194 |
| Assets per employee ($millions) | 2.6896% | 6,909 |
| Cash dividends to net income (ytd only)* | 120.6897% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7944% | 7,179 |
| Loan loss allowance to noncurrent loans | 36.5274% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 2.3424% | 2,447 |
| Noncurrent loans to loans | 2.1747% | 3,016 |
| Net loans and leases to total assets | 80.4867% | 1,300 |
| Net loans and leases to deposits | 99.9570% | 1,413 |
| Net loans and leases to core deposits | 121.0222% | 2,334 |
| Total domestic deposits to total assets | 80.5214% | 5,162 |
| Equity capital to assets | 9.4652% | 4,719 |
| Core capital (leverage) ratio | 8.4117% | 5,697 |
| Tier 1 risk-based capital ratio | 10.0174% | 6,895 |
| Total risk-based capital ratio | 10.7780% | 7,346 |
| Memoranda: | ||
| Average total assets | $313,278,000 | 2,196 |
| Average earning assets | $273,008,000 | 2,274 |
| Average equity | $29,839,500 | 2,291 |
| Average total loans | $253,880,000 | 1,941 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9139% | 1,362 |
| Cost of funding earning assets | 2.3259% | 5,031 |
| Net interest margin | 4.5880% | 1,215 |
| Noninterest income to average assets | 1.0151% | 1,535 |
| Noninterest expense to average assets | 3.7745% | 1,804 |
| Loan and lease loss provision to assets | 0.1453% | 5,501 |
| Net operating income to assets | 1.0840% | 2,209 |
| Return on assets (ROA) | 1.0840% | 2,130 |
| Pretax return on assets | 1.0840% | 3,077 |
| Return on Equity (ROE) | 11.5036% | 1,752 |
| Retained earnings to average equity (ytd only) | 4.2660% | 2,470 |
| Net charge-offs to loans | 0.1463% | 4,748 |
| Credit loss provision to net charge-offs | 123.3983% | 4,350 |
| Earnings coverage of net charge-offs (x) | 10.4429% | 2,510 |
| Efficiency ratio | 74.7788% | 3,444 |
| Assets per employee ($millions) | 2.5990% | 7,007 |
| Cash dividends to net income (ytd only)* | 62.9159% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 5,877 |
| Loan loss allowance to noncurrent loans | 31.4840% | 6,626 |
| Noncurrent assets plus other real estate owned to assets | 3.0528% | 1,503 |
| Noncurrent loans to loans | 3.2271% | 1,623 |
| Net loans and leases to total assets | 80.1252% | 1,639 |
| Net loans and leases to deposits | 105.0809% | 1,220 |
| Net loans and leases to core deposits | 127.2543% | 2,063 |
| Total domestic deposits to total assets | 76.2510% | 6,179 |
| Equity capital to assets | 9.5852% | 4,564 |
| Core capital (leverage) ratio | 8.7796% | 5,069 |
| Tier 1 risk-based capital ratio | 10.1941% | 6,524 |
| Total risk-based capital ratio | 11.1705% | 6,707 |
| Memoranda: | ||
| Average total assets | $304,990,000 | 2,179 |
| Average earning assets | $265,146,000 | 2,253 |
| Average equity | $28,738,800 | 2,357 |
| Average total loans | $245,464,200 | 1,938 |