Home > The Bank of Princeton > Performance and Condition Ratios
The Bank of Princeton, Performance and Condition Ratios
| 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 | 6.3405% | 874 |
| Cost of funding earning assets | 2.9050% | 593 |
| Net interest margin | 3.4355% | 2,208 |
| Noninterest income to average assets | 0.3800% | 2,571 |
| Noninterest expense to average assets | 2.6391% | 1,906 |
| Loan and lease loss provision to assets | 0.2400% | 529 |
| Net operating income to assets | 0.5331% | 3,390 |
| Return on assets (ROA) | 0.5328% | 3,408 |
| Pretax return on assets | 0.6547% | 3,356 |
| Return on Equity (ROE) | 4.5100% | 3,602 |
| Retained earnings to average equity (ytd only) | 1.3921% | 3,573 |
| Net charge-offs to loans | 0.0213% | 2,178 |
| Credit loss provision to net charge-offs | 1,554.9296% | 290 |
| Earnings coverage of net charge-offs (x) | 53.3662% | 1,182 |
| Efficiency ratio | 73.8299% | 1,575 |
| Assets per employee ($millions) | 9.5514% | 883 |
| Cash dividends to net income (ytd only)* | 69.1426% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 1,672 |
| Loan loss allowance to noncurrent loans | 88.1376% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.1596% | 562 |
| Noncurrent loans to loans | 1.4757% | 650 |
| Net loans and leases to total assets | 76.7200% | 1,048 |
| Net loans and leases to deposits | 88.2878% | 1,373 |
| Net loans and leases to core deposits | 101.1619% | 1,380 |
| Total domestic deposits to total assets | 86.8900% | 1,903 |
| Equity capital to assets | 11.1643% | 1,520 |
| Core capital (leverage) ratio | 10.5771% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4900% | 2,051 |
| Memoranda: | ||
| Average total assets | $2,112,354,600 | 560 |
| Average earning assets | $1,941,938,200 | 550 |
| Average equity | $249,479,400 | 480 |
| Average total loans | $1,668,640,000 | 499 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2999% | 888 |
| Cost of funding earning assets | 2.8729% | 622 |
| Net interest margin | 3.4269% | 2,183 |
| Noninterest income to average assets | 0.3900% | 2,483 |
| Noninterest expense to average assets | 2.8014% | 1,456 |
| Loan and lease loss provision to assets | 0.3000% | 349 |
| Net operating income to assets | 0.3793% | 3,719 |
| Return on assets (ROA) | 0.3790% | 3,755 |
| Pretax return on assets | 0.4425% | 3,742 |
| Return on Equity (ROE) | 3.1600% | 3,861 |
| Retained earnings to average equity (ytd only) | 0.0692% | 3,946 |
| Net charge-offs to loans | 0.0220% | 1,920 |
| Credit loss provision to net charge-offs | 1,850.1859% | 251 |
| Earnings coverage of net charge-offs (x) | 42.7435% | 1,298 |
| Efficiency ratio | 78.2898% | 1,204 |
| Assets per employee ($millions) | 9.6876% | 848 |
| Cash dividends to net income (ytd only)* | 97.8090% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 1,866 |
| Loan loss allowance to noncurrent loans | 982.2185% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 3,016 |
| Noncurrent loans to loans | 0.1290% | 3,032 |
| Net loans and leases to total assets | 77.1300% | 978 |
| Net loans and leases to deposits | 88.3511% | 1,400 |
| Net loans and leases to core deposits | 101.8222% | 1,378 |
| Total domestic deposits to total assets | 87.3000% | 1,491 |
| Equity capital to assets | 11.1281% | 1,671 |
| Core capital (leverage) ratio | 11.4399% | 1,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1679% | 2,186 |
| Memoranda: | ||
| Average total assets | $2,055,422,500 | 565 |
| Average earning assets | $1,891,677,000 | 558 |
| Average equity | $246,535,750 | 479 |
| Average total loans | $1,631,081,250 | 502 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3776% | 738 |
| Cost of funding earning assets | 2.8915% | 556 |
| Net interest margin | 3.4861% | 1,991 |
| Noninterest income to average assets | 0.4100% | 2,325 |
| Noninterest expense to average assets | 2.3827% | 2,566 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 1.0160% | 1,947 |
| Return on assets (ROA) | 1.0160% | 1,944 |
| Pretax return on assets | 1.2308% | 1,864 |
| Return on Equity (ROE) | 8.2300% | 2,683 |
| Retained earnings to average equity (ytd only) | 5.0870% | 2,306 |
| Net charge-offs to loans | 0.0206% | 1,749 |
| Credit loss provision to net charge-offs | 82.6087% | 1,628 |
| Earnings coverage of net charge-offs (x) | 75.3043% | 917 |
| Efficiency ratio | 65.1619% | 2,636 |
| Assets per employee ($millions) | 9.4192% | 870 |
| Cash dividends to net income (ytd only)* | 38.2134% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 2,378 |
| Loan loss allowance to noncurrent loans | 349.6308% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 2,094 |
| Noncurrent loans to loans | 0.3357% | 2,182 |
| Net loans and leases to total assets | 78.6100% | 836 |
| Net loans and leases to deposits | 91.4827% | 1,172 |
| Net loans and leases to core deposits | 108.8428% | 1,017 |
| Total domestic deposits to total assets | 85.9300% | 2,005 |
| Equity capital to assets | 12.3485% | 1,054 |
| Core capital (leverage) ratio | 12.1963% | 1,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6630% | 1,637 |
| Memoranda: | ||
| Average total assets | $1,959,094,333 | 590 |
| Average earning assets | $1,802,601,667 | 583 |
| Average equity | $241,752,000 | 483 |
| Average total loans | $1,564,306,000 | 514 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2649% | 783 |
| Cost of funding earning assets | 2.8157% | 588 |
| Net interest margin | 3.4491% | 1,996 |
| Noninterest income to average assets | 0.4000% | 2,294 |
| Noninterest expense to average assets | 2.3841% | 2,564 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 0.9329% | 2,138 |
| Return on assets (ROA) | 0.9329% | 2,155 |
| Pretax return on assets | 1.1516% | 2,008 |
| Return on Equity (ROE) | 7.5600% | 2,814 |
| Retained earnings to average equity (ytd only) | 4.4042% | 2,586 |
| Net charge-offs to loans | 0.0451% | 1,079 |
| Credit loss provision to net charge-offs | 171.5909% | 884 |
| Earnings coverage of net charge-offs (x) | 32.9489% | 1,140 |
| Efficiency ratio | 66.0199% | 2,596 |
| Assets per employee ($millions) | 9.4868% | 863 |
| Cash dividends to net income (ytd only)* | 41.7638% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 2,358 |
| Loan loss allowance to noncurrent loans | 880.2837% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 2,919 |
| Noncurrent loans to loans | 0.1346% | 2,938 |
| Net loans and leases to total assets | 78.3100% | 807 |
| Net loans and leases to deposits | 91.0156% | 1,124 |
| Net loans and leases to core deposits | 107.8795% | 1,029 |
| Total domestic deposits to total assets | 86.0400% | 2,087 |
| Equity capital to assets | 12.1828% | 1,074 |
| Core capital (leverage) ratio | 11.9936% | 1,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3053% | 1,774 |
| Memoranda: | ||
| Average total assets | $1,949,621,500 | 603 |
| Average earning assets | $1,792,347,500 | 594 |
| Average equity | $240,498,500 | 489 |
| Average total loans | $1,559,783,000 | 520 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0195% | 620 |
| Cost of funding earning assets | 2.0333% | 873 |
| Net interest margin | 3.9862% | 1,231 |
| Noninterest income to average assets | 0.9700% | 666 |
| Noninterest expense to average assets | 2.7479% | 1,633 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.4539% | 1,115 |
| Return on assets (ROA) | 1.4539% | 1,081 |
| Pretax return on assets | 1.7118% | 1,045 |
| Return on Equity (ROE) | 11.2500% | 2,158 |
| Retained earnings to average equity (ytd only) | 7.9675% | 1,547 |
| Net charge-offs to loans | 0.1236% | 791 |
| Credit loss provision to net charge-offs | 229.1251% | 1,129 |
| Earnings coverage of net charge-offs (x) | 18.5177% | 1,932 |
| Efficiency ratio | 58.6727% | 3,223 |
| Assets per employee ($millions) | 9.3034% | 887 |
| Cash dividends to net income (ytd only)* | 29.1908% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,332 |
| Loan loss allowance to noncurrent loans | 275.6708% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 1,562 |
| Noncurrent loans to loans | 0.4332% | 1,700 |
| Net loans and leases to total assets | 79.8200% | 660 |
| Net loans and leases to deposits | 93.4822% | 978 |
| Net loans and leases to core deposits | 109.3364% | 981 |
| Total domestic deposits to total assets | 85.3900% | 2,189 |
| Equity capital to assets | 12.4938% | 994 |
| Core capital (leverage) ratio | 12.2890% | 1,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6765% | 1,634 |
| Memoranda: | ||
| Average total assets | $1,772,075,800 | 633 |
| Average earning assets | $1,631,019,600 | 627 |
| Average equity | $228,979,000 | 480 |
| Average total loans | $1,461,093,800 | 524 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8926% | 607 |
| Cost of funding earning assets | 1.8015% | 1,003 |
| Net interest margin | 4.0910% | 1,082 |
| Noninterest income to average assets | 1.1700% | 511 |
| Noninterest expense to average assets | 2.8960% | 1,235 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 1.5732% | 979 |
| Return on assets (ROA) | 1.5732% | 969 |
| Pretax return on assets | 1.8477% | 929 |
| Return on Equity (ROE) | 12.0600% | 2,108 |
| Retained earnings to average equity (ytd only) | 8.7474% | 1,755 |
| Net charge-offs to loans | 0.1682% | 509 |
| Credit loss provision to net charge-offs | 200.8811% | 1,119 |
| Earnings coverage of net charge-offs (x) | 14.6492% | 1,991 |
| Efficiency ratio | 58.0448% | 3,200 |
| Assets per employee ($millions) | 9.1977% | 869 |
| Cash dividends to net income (ytd only)* | 27.4960% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 2,358 |
| Loan loss allowance to noncurrent loans | 266.4297% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 1,616 |
| Noncurrent loans to loans | 0.4507% | 1,693 |
| Net loans and leases to total assets | 77.3900% | 955 |
| Net loans and leases to deposits | 90.3577% | 1,209 |
| Net loans and leases to core deposits | 106.1953% | 1,005 |
| Total domestic deposits to total assets | 85.6500% | 2,294 |
| Equity capital to assets | 12.1099% | 1,014 |
| Core capital (leverage) ratio | 12.3800% | 1,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9386% | 1,583 |
| Memoranda: | ||
| Average total assets | $1,735,970,500 | 646 |
| Average earning assets | $1,600,077,500 | 637 |
| Average equity | $226,362,750 | 485 |
| Average total loans | $1,439,283,500 | 531 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6536% | 683 |
| Cost of funding earning assets | 1.4619% | 1,315 |
| Net interest margin | 4.1917% | 942 |
| Noninterest income to average assets | 1.5300% | 318 |
| Noninterest expense to average assets | 3.2872% | 701 |
| Loan and lease loss provision to assets | 0.3300% | 270 |
| Net operating income to assets | 1.5367% | 1,040 |
| Return on assets (ROA) | 1.5367% | 1,032 |
| Pretax return on assets | 1.7827% | 1,045 |
| Return on Equity (ROE) | 11.4700% | 2,305 |
| Retained earnings to average equity (ytd only) | 8.1392% | 1,917 |
| Net charge-offs to loans | 0.2590% | 321 |
| Credit loss provision to net charge-offs | 198.4766% | 1,053 |
| Earnings coverage of net charge-offs (x) | 9.6164% | 2,019 |
| Efficiency ratio | 60.3488% | 2,922 |
| Assets per employee ($millions) | 8.6948% | 1,004 |
| Cash dividends to net income (ytd only)* | 29.0648% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 2,454 |
| Loan loss allowance to noncurrent loans | 117.6124% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 609 |
| Noncurrent loans to loans | 1.0188% | 741 |
| Net loans and leases to total assets | 80.3800% | 596 |
| Net loans and leases to deposits | 94.1871% | 843 |
| Net loans and leases to core deposits | 111.3715% | 770 |
| Total domestic deposits to total assets | 85.3500% | 2,443 |
| Equity capital to assets | 12.4179% | 947 |
| Core capital (leverage) ratio | 13.4261% | 898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5688% | 1,709 |
| Memoranda: | ||
| Average total assets | $1,676,919,667 | 647 |
| Average earning assets | $1,546,470,000 | 643 |
| Average equity | $224,591,000 | 476 |
| Average total loans | $1,419,544,667 | 523 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6147% | 511 |
| Cost of funding earning assets | 1.0739% | 1,828 |
| Net interest margin | 4.5408% | 551 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.4493% | 2,371 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.5302% | 1,117 |
| Return on assets (ROA) | 1.5302% | 1,097 |
| Pretax return on assets | 2.0076% | 771 |
| Return on Equity (ROE) | 10.9600% | 2,503 |
| Retained earnings to average equity (ytd only) | 8.4788% | 2,084 |
| Net charge-offs to loans | -0.0009% | 3,305 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.3984% | 3,663 |
| Assets per employee ($millions) | 9.0096% | 927 |
| Cash dividends to net income (ytd only)* | 22.6669% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 2,615 |
| Loan loss allowance to noncurrent loans | 249.1247% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4179% | 1,235 |
| Noncurrent loans to loans | 0.4772% | 1,519 |
| Net loans and leases to total assets | 86.5300% | 120 |
| Net loans and leases to deposits | 106.1890% | 249 |
| Net loans and leases to core deposits | 125.1104% | 346 |
| Total domestic deposits to total assets | 81.4900% | 3,559 |
| Equity capital to assets | 14.2067% | 572 |
| Core capital (leverage) ratio | 14.0835% | 723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5634% | 1,473 |
| Memoranda: | ||
| Average total assets | $1,593,731,500 | 691 |
| Average earning assets | $1,471,710,000 | 683 |
| Average equity | $222,437,000 | 488 |
| Average total loans | $1,379,471,500 | 552 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9325% | 346 |
| Cost of funding earning assets | 0.3954% | 2,146 |
| Net interest margin | 4.5371% | 274 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.3390% | 2,621 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.6163% | 663 |
| Return on assets (ROA) | 1.6164% | 636 |
| Pretax return on assets | 2.0775% | 396 |
| Return on Equity (ROE) | 12.3400% | 2,025 |
| Retained earnings to average equity (ytd only) | 9.3344% | 1,378 |
| Net charge-offs to loans | 0.0407% | 1,292 |
| Credit loss provision to net charge-offs | 71.5564% | 1,720 |
| Earnings coverage of net charge-offs (x) | 61.6297% | 1,236 |
| Efficiency ratio | 51.8890% | 3,987 |
| Assets per employee ($millions) | 9.1010% | 885 |
| Cash dividends to net income (ytd only)* | 24.3716% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 2,373 |
| Loan loss allowance to noncurrent loans | 3,658.0000% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 3,536 |
| Noncurrent loans to loans | 0.0328% | 3,547 |
| Net loans and leases to total assets | 84.5300% | 222 |
| Net loans and leases to deposits | 100.4583% | 422 |
| Net loans and leases to core deposits | 116.1952% | 442 |
| Total domestic deposits to total assets | 84.1400% | 3,175 |
| Equity capital to assets | 13.7098% | 604 |
| Core capital (leverage) ratio | 13.4743% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3092% | 1,531 |
| Memoranda: | ||
| Average total assets | $1,639,119,400 | 661 |
| Average earning assets | $1,517,184,200 | 651 |
| Average equity | $214,657,000 | 497 |
| Average total loans | $1,375,067,200 | 517 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7433% | 325 |
| Cost of funding earning assets | 0.3308% | 1,852 |
| Net interest margin | 4.4125% | 273 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.3138% | 2,594 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.5628% | 718 |
| Return on assets (ROA) | 1.5629% | 696 |
| Pretax return on assets | 1.9962% | 471 |
| Return on Equity (ROE) | 12.0700% | 2,009 |
| Retained earnings to average equity (ytd only) | 9.0129% | 1,648 |
| Net charge-offs to loans | 0.0149% | 1,572 |
| Credit loss provision to net charge-offs | 129.8701% | 1,181 |
| Earnings coverage of net charge-offs (x) | 161.5519% | 715 |
| Efficiency ratio | 52.6736% | 3,955 |
| Assets per employee ($millions) | 8.7598% | 983 |
| Cash dividends to net income (ytd only)* | 25.3377% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 2,480 |
| Loan loss allowance to noncurrent loans | 341.7966% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 1,735 |
| Noncurrent loans to loans | 0.3537% | 1,966 |
| Net loans and leases to total assets | 84.9500% | 189 |
| Net loans and leases to deposits | 99.6158% | 376 |
| Net loans and leases to core deposits | 112.1846% | 406 |
| Total domestic deposits to total assets | 85.2800% | 3,221 |
| Equity capital to assets | 13.2571% | 643 |
| Core capital (leverage) ratio | 13.0527% | 892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7259% | 1,800 |
| Memoranda: | ||
| Average total assets | $1,648,454,500 | 659 |
| Average earning assets | $1,526,805,250 | 650 |
| Average equity | $213,421,000 | 500 |
| Average total loans | $1,376,242,000 | 511 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4870% | 382 |
| Cost of funding earning assets | 0.3103% | 1,621 |
| Net interest margin | 4.1767% | 350 |
| Noninterest income to average assets | 0.2303% | 3,808 |
| Noninterest expense to average assets | 2.2269% | 2,767 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4844% | 742 |
| Return on assets (ROA) | 1.4846% | 722 |
| Pretax return on assets | 1.8759% | 493 |
| Return on Equity (ROE) | 11.5561% | 1,814 |
| Retained earnings to average equity (ytd only) | 8.4390% | 1,462 |
| Net charge-offs to loans | -0.0067% | 3,440 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4037% | 4,014 |
| Assets per employee ($millions) | 9.1816% | 829 |
| Cash dividends to net income (ytd only)* | 26.9738% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 2,714 |
| Loan loss allowance to noncurrent loans | 1,608.6873% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 3,344 |
| Noncurrent loans to loans | 0.0742% | 3,430 |
| Net loans and leases to total assets | 84.8886% | 139 |
| Net loans and leases to deposits | 99.1739% | 304 |
| Net loans and leases to core deposits | 110.7594% | 337 |
| Total domestic deposits to total assets | 85.5957% | 3,353 |
| Equity capital to assets | 13.0050% | 666 |
| Core capital (leverage) ratio | 12.4614% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1327% | 2,001 |
| Memoranda: | ||
| Average total assets | $1,663,590,000 | 649 |
| Average earning assets | $1,542,327,667 | 645 |
| Average equity | $213,722,000 | 504 |
| Average total loans | $1,375,514,000 | 501 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3767% | 394 |
| Cost of funding earning assets | 0.3133% | 1,530 |
| Net interest margin | 4.0635% | 363 |
| Noninterest income to average assets | 0.2184% | 3,848 |
| Noninterest expense to average assets | 2.1783% | 2,899 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4312% | 739 |
| Return on assets (ROA) | 1.4312% | 738 |
| Pretax return on assets | 1.8141% | 533 |
| Return on Equity (ROE) | 11.2066% | 1,543 |
| Retained earnings to average equity (ytd only) | 8.0853% | 1,555 |
| Net charge-offs to loans | -0.0100% | 3,588 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6437% | 4,080 |
| Assets per employee ($millions) | 9.6991% | 732 |
| Cash dividends to net income (ytd only)* | 27.8525% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 2,892 |
| Loan loss allowance to noncurrent loans | 1,240.0596% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 3,154 |
| Noncurrent loans to loans | 0.0963% | 3,361 |
| Net loans and leases to total assets | 82.1539% | 159 |
| Net loans and leases to deposits | 95.6266% | 290 |
| Net loans and leases to core deposits | 112.5417% | 213 |
| Total domestic deposits to total assets | 85.9111% | 3,289 |
| Equity capital to assets | 12.7084% | 757 |
| Core capital (leverage) ratio | 12.3551% | 954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1558% | 2,135 |
| Memoranda: | ||
| Average total assets | $1,682,815,500 | 645 |
| Average earning assets | $1,562,901,000 | 638 |
| Average equity | $214,908,500 | 512 |
| Average total loans | $1,365,159,500 | 502 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 562 |
| Cost of funding earning assets | 0.4329% | 1,307 |
| Net interest margin | 4.1116% | 582 |
| Noninterest income to average assets | 0.2445% | 3,911 |
| Noninterest expense to average assets | 2.0908% | 3,410 |
| Loan and lease loss provision to assets | 0.2189% | 466 |
| Net operating income to assets | 1.3574% | 1,416 |
| Return on assets (ROA) | 1.3577% | 1,461 |
| Pretax return on assets | 1.7625% | 998 |
| Return on Equity (ROE) | 10.5473% | 2,326 |
| Retained earnings to average equity (ytd only) | 8.4890% | 1,346 |
| Net charge-offs to loans | 0.2200% | 423 |
| Credit loss provision to net charge-offs | 119.5580% | 1,649 |
| Earnings coverage of net charge-offs (x) | 10.8203% | 2,191 |
| Efficiency ratio | 50.3959% | 4,255 |
| Assets per employee ($millions) | 9.4814% | 790 |
| Cash dividends to net income (ytd only)* | 19.5144% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 2,646 |
| Loan loss allowance to noncurrent loans | 1,414.4681% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 3,362 |
| Noncurrent loans to loans | 0.0880% | 3,496 |
| Net loans and leases to total assets | 78.1275% | 373 |
| Net loans and leases to deposits | 91.1765% | 515 |
| Net loans and leases to core deposits | 101.2191% | 488 |
| Total domestic deposits to total assets | 85.6882% | 3,020 |
| Equity capital to assets | 12.8328% | 952 |
| Core capital (leverage) ratio | 12.0625% | 1,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0851% | 1,818 |
| Memoranda: | ||
| Average total assets | $1,656,127,200 | 632 |
| Average earning assets | $1,541,624,600 | 624 |
| Average equity | $213,193,000 | 508 |
| Average total loans | $1,378,077,000 | 496 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5421% | 623 |
| Cost of funding earning assets | 0.4571% | 1,305 |
| Net interest margin | 4.0850% | 675 |
| Noninterest income to average assets | 0.2301% | 4,026 |
| Noninterest expense to average assets | 2.0677% | 3,462 |
| Loan and lease loss provision to assets | 0.2690% | 321 |
| Net operating income to assets | 1.3184% | 1,764 |
| Return on assets (ROA) | 1.3189% | 1,818 |
| Pretax return on assets | 1.6976% | 1,411 |
| Return on Equity (ROE) | 10.2371% | 2,648 |
| Retained earnings to average equity (ytd only) | 8.2159% | 1,987 |
| Net charge-offs to loans | 0.2813% | 287 |
| Credit loss provision to net charge-offs | 113.4812% | 1,494 |
| Earnings coverage of net charge-offs (x) | 8.2949% | 2,108 |
| Efficiency ratio | 50.2798% | 4,197 |
| Assets per employee ($millions) | 9.6485% | 727 |
| Cash dividends to net income (ytd only)* | 19.7436% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,878 |
| Loan loss allowance to noncurrent loans | 769.1803% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 3,107 |
| Noncurrent loans to loans | 0.1590% | 3,328 |
| Net loans and leases to total assets | 79.4545% | 323 |
| Net loans and leases to deposits | 92.6867% | 458 |
| Net loans and leases to core deposits | 103.4081% | 478 |
| Total domestic deposits to total assets | 85.7237% | 2,858 |
| Equity capital to assets | 12.8915% | 1,017 |
| Core capital (leverage) ratio | 12.2899% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5967% | 1,765 |
| Memoranda: | ||
| Average total assets | $1,648,238,500 | 637 |
| Average earning assets | $1,534,727,000 | 630 |
| Average equity | $212,347,000 | 514 |
| Average total loans | $1,388,805,250 | 501 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4827% | 747 |
| Cost of funding earning assets | 0.4863% | 1,283 |
| Net interest margin | 3.9964% | 827 |
| Noninterest income to average assets | 0.2174% | 4,105 |
| Noninterest expense to average assets | 2.0610% | 3,520 |
| Loan and lease loss provision to assets | 0.2589% | 375 |
| Net operating income to assets | 1.2637% | 1,981 |
| Return on assets (ROA) | 1.2644% | 2,052 |
| Pretax return on assets | 1.6213% | 1,679 |
| Return on Equity (ROE) | 9.8164% | 2,821 |
| Retained earnings to average equity (ytd only) | 7.8978% | 2,111 |
| Net charge-offs to loans | 0.3005% | 289 |
| Credit loss provision to net charge-offs | 100.7109% | 1,357 |
| Earnings coverage of net charge-offs (x) | 7.3095% | 1,923 |
| Efficiency ratio | 51.2710% | 4,115 |
| Assets per employee ($millions) | 9.5683% | 695 |
| Cash dividends to net income (ytd only)* | 19.5451% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 3,186 |
| Loan loss allowance to noncurrent loans | 491.0315% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 2,794 |
| Noncurrent loans to loans | 0.2344% | 3,110 |
| Net loans and leases to total assets | 84.2125% | 130 |
| Net loans and leases to deposits | 98.5365% | 297 |
| Net loans and leases to core deposits | 109.9819% | 361 |
| Total domestic deposits to total assets | 85.4632% | 2,923 |
| Equity capital to assets | 13.0083% | 937 |
| Core capital (leverage) ratio | 12.2194% | 1,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3219% | 1,860 |
| Memoranda: | ||
| Average total assets | $1,641,253,333 | 630 |
| Average earning assets | $1,528,982,667 | 621 |
| Average equity | $211,401,333 | 511 |
| Average total loans | $1,404,183,333 | 495 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3947% | 919 |
| Cost of funding earning assets | 0.5299% | 1,203 |
| Net interest margin | 3.8648% | 1,040 |
| Noninterest income to average assets | 0.1932% | 4,228 |
| Noninterest expense to average assets | 2.0068% | 3,694 |
| Loan and lease loss provision to assets | 0.2738% | 356 |
| Net operating income to assets | 1.1793% | 2,238 |
| Return on assets (ROA) | 1.1807% | 2,297 |
| Pretax return on assets | 1.5170% | 1,951 |
| Return on Equity (ROE) | 9.2120% | 2,960 |
| Retained earnings to average equity (ytd only) | 7.6646% | 2,358 |
| Net charge-offs to loans | 0.3150% | 265 |
| Credit loss provision to net charge-offs | 101.3514% | 1,102 |
| Earnings coverage of net charge-offs (x) | 6.6234% | 1,642 |
| Efficiency ratio | 51.7533% | 4,019 |
| Assets per employee ($millions) | 9.6813% | 656 |
| Cash dividends to net income (ytd only)* | 16.7972% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 3,419 |
| Loan loss allowance to noncurrent loans | 781.7739% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 3,431 |
| Noncurrent loans to loans | 0.1410% | 3,612 |
| Net loans and leases to total assets | 85.4309% | 103 |
| Net loans and leases to deposits | 102.8887% | 221 |
| Net loans and leases to core deposits | 115.3635% | 297 |
| Total domestic deposits to total assets | 83.0324% | 3,679 |
| Equity capital to assets | 12.6175% | 1,028 |
| Core capital (leverage) ratio | 12.4519% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7322% | 1,667 |
| Memoranda: | ||
| Average total assets | $1,643,792,000 | 620 |
| Average earning assets | $1,532,283,500 | 616 |
| Average equity | $210,682,500 | 506 |
| Average total loans | $1,409,322,000 | 497 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4271% | 1,501 |
| Cost of funding earning assets | 0.9073% | 833 |
| Net interest margin | 3.5197% | 2,412 |
| Noninterest income to average assets | 0.2164% | 4,198 |
| Noninterest expense to average assets | 2.0386% | 4,065 |
| Loan and lease loss provision to assets | 0.3426% | 1,023 |
| Net operating income to assets | 0.8764% | 2,805 |
| Return on assets (ROA) | 0.9053% | 2,809 |
| Pretax return on assets | 1.1337% | 2,574 |
| Return on Equity (ROE) | 6.8272% | 3,271 |
| Retained earnings to average equity (ytd only) | 5.4875% | 2,050 |
| Net charge-offs to loans | 0.1367% | 1,180 |
| Credit loss provision to net charge-offs | 297.7208% | 1,743 |
| Earnings coverage of net charge-offs (x) | 12.5151% | 2,330 |
| Efficiency ratio | 57.2312% | 3,828 |
| Assets per employee ($millions) | 9.0059% | 741 |
| Cash dividends to net income (ytd only)* | 19.6219% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 3,079 |
| Loan loss allowance to noncurrent loans | 956.2649% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 3,775 |
| Noncurrent loans to loans | 0.1229% | 3,793 |
| Net loans and leases to total assets | 84.0562% | 171 |
| Net loans and leases to deposits | 98.5513% | 432 |
| Net loans and leases to core deposits | 111.9379% | 460 |
| Total domestic deposits to total assets | 85.2918% | 2,656 |
| Equity capital to assets | 13.0263% | 1,077 |
| Core capital (leverage) ratio | 12.4831% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0262% | 1,519 |
| Memoranda: | ||
| Average total assets | $1,525,078,400 | 608 |
| Average earning assets | $1,413,575,800 | 598 |
| Average equity | $202,221,600 | 499 |
| Average total loans | $1,283,922,600 | 518 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 1,717 |
| Cost of funding earning assets | 1.0083% | 743 |
| Net interest margin | 3.4370% | 2,790 |
| Noninterest income to average assets | 0.2148% | 4,196 |
| Noninterest expense to average assets | 2.0540% | 4,036 |
| Loan and lease loss provision to assets | 0.3166% | 1,253 |
| Net operating income to assets | 0.8214% | 3,012 |
| Return on assets (ROA) | 0.8593% | 3,002 |
| Pretax return on assets | 1.0728% | 2,843 |
| Return on Equity (ROE) | 6.4500% | 3,392 |
| Retained earnings to average equity (ytd only) | 5.0999% | 2,516 |
| Net charge-offs to loans | 0.0933% | 1,373 |
| Credit loss provision to net charge-offs | 403.9548% | 1,453 |
| Earnings coverage of net charge-offs (x) | 17.1243% | 2,031 |
| Efficiency ratio | 59.0393% | 3,514 |
| Assets per employee ($millions) | 8.9581% | 698 |
| Cash dividends to net income (ytd only)* | 20.9317% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 2,975 |
| Loan loss allowance to noncurrent loans | 639.8238% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 3,646 |
| Noncurrent loans to loans | 0.1782% | 3,670 |
| Net loans and leases to total assets | 85.3026% | 190 |
| Net loans and leases to deposits | 100.8161% | 506 |
| Net loans and leases to core deposits | 117.3889% | 469 |
| Total domestic deposits to total assets | 84.6121% | 2,591 |
| Equity capital to assets | 13.2376% | 1,088 |
| Core capital (leverage) ratio | 12.2723% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4145% | 1,390 |
| Memoranda: | ||
| Average total assets | $1,505,586,500 | 599 |
| Average earning assets | $1,393,602,750 | 590 |
| Average equity | $200,572,500 | 495 |
| Average total loans | $1,264,031,750 | 516 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4316% | 2,124 |
| Cost of funding earning assets | 1.1355% | 640 |
| Net interest margin | 3.2961% | 3,399 |
| Noninterest income to average assets | 0.2158% | 4,194 |
| Noninterest expense to average assets | 2.0944% | 4,044 |
| Loan and lease loss provision to assets | 0.2213% | 1,888 |
| Net operating income to assets | 0.7711% | 3,155 |
| Return on assets (ROA) | 0.8261% | 3,064 |
| Pretax return on assets | 1.0170% | 2,978 |
| Return on Equity (ROE) | 6.1875% | 3,445 |
| Retained earnings to average equity (ytd only) | 4.8270% | 2,557 |
| Net charge-offs to loans | 0.1436% | 1,002 |
| Credit loss provision to net charge-offs | 185.3933% | 1,979 |
| Earnings coverage of net charge-offs (x) | 9.8034% | 2,196 |
| Efficiency ratio | 62.5919% | 3,030 |
| Assets per employee ($millions) | 9.5397% | 579 |
| Cash dividends to net income (ytd only)* | 21.9877% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 3,610 |
| Loan loss allowance to noncurrent loans | 557.8969% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 3,774 |
| Noncurrent loans to loans | 0.1781% | 3,735 |
| Net loans and leases to total assets | 83.3082% | 310 |
| Net loans and leases to deposits | 97.4664% | 696 |
| Net loans and leases to core deposits | 114.2901% | 586 |
| Total domestic deposits to total assets | 85.4737% | 2,220 |
| Equity capital to assets | 12.6921% | 1,286 |
| Core capital (leverage) ratio | 12.4539% | 1,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0104% | 1,483 |
| Memoranda: | ||
| Average total assets | $1,490,865,333 | 595 |
| Average earning assets | $1,379,093,000 | 585 |
| Average equity | $199,046,667 | 497 |
| Average total loans | $1,239,634,333 | 514 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5923% | 2,019 |
| Cost of funding earning assets | 1.3639% | 465 |
| Net interest margin | 3.2283% | 3,789 |
| Noninterest income to average assets | 0.2061% | 4,315 |
| Noninterest expense to average assets | 2.1034% | 4,210 |
| Loan and lease loss provision to assets | 0.1806% | 1,654 |
| Net operating income to assets | 0.7293% | 3,169 |
| Return on assets (ROA) | 0.8429% | 2,830 |
| Pretax return on assets | 1.0446% | 2,686 |
| Return on Equity (ROE) | 6.1458% | 3,266 |
| Retained earnings to average equity (ytd only) | 4.7744% | 2,381 |
| Net charge-offs to loans | 0.2977% | 488 |
| Credit loss provision to net charge-offs | 73.4463% | 1,963 |
| Earnings coverage of net charge-offs (x) | 4.4124% | 2,140 |
| Efficiency ratio | 64.2907% | 3,192 |
| Assets per employee ($millions) | 7.8706% | 778 |
| Cash dividends to net income (ytd only)* | 22.3138% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 3,523 |
| Loan loss allowance to noncurrent loans | 474.6533% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 3,763 |
| Noncurrent loans to loans | 0.2178% | 3,700 |
| Net loans and leases to total assets | 82.7959% | 371 |
| Net loans and leases to deposits | 98.2617% | 682 |
| Net loans and leases to core deposits | 112.9049% | 714 |
| Total domestic deposits to total assets | 84.2606% | 2,691 |
| Equity capital to assets | 13.9701% | 1,069 |
| Core capital (leverage) ratio | 12.9121% | 1,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3187% | 1,808 |
| Memoranda: | ||
| Average total assets | $1,439,735,000 | 587 |
| Average earning assets | $1,329,974,500 | 579 |
| Average equity | $197,469,500 | 499 |
| Average total loans | $1,189,191,000 | 514 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 2,003 |
| Cost of funding earning assets | 1.4586% | 448 |
| Net interest margin | 3.3548% | 3,864 |
| Noninterest income to average assets | 0.2038% | 4,444 |
| Noninterest expense to average assets | 2.0527% | 4,448 |
| Loan and lease loss provision to assets | 0.3558% | 423 |
| Net operating income to assets | 0.7500% | 3,699 |
| Return on assets (ROA) | 0.7519% | 3,774 |
| Pretax return on assets | 0.9121% | 3,705 |
| Return on Equity (ROE) | 5.3440% | 4,124 |
| Retained earnings to average equity (ytd only) | 4.6696% | 2,606 |
| Net charge-offs to loans | 0.3701% | 542 |
| Credit loss provision to net charge-offs | 114.6406% | 2,194 |
| Earnings coverage of net charge-offs (x) | 4.0776% | 3,262 |
| Efficiency ratio | 60.7815% | 3,569 |
| Assets per employee ($millions) | 8.2197% | 659 |
| Cash dividends to net income (ytd only)* | 12.6208% | 3,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 3,173 |
| Loan loss allowance to noncurrent loans | 514.2097% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 3,808 |
| Noncurrent loans to loans | 0.2058% | 3,721 |
| Net loans and leases to total assets | 80.6941% | 702 |
| Net loans and leases to deposits | 94.8398% | 1,069 |
| Net loans and leases to core deposits | 113.7141% | 687 |
| Total domestic deposits to total assets | 85.0846% | 2,454 |
| Equity capital to assets | 13.4666% | 1,290 |
| Core capital (leverage) ratio | 12.8937% | 1,289 |
| Tier 1 risk-based capital ratio | 14.1339% | 3,199 |
| Total risk-based capital ratio | 15.1084% | 3,245 |
| Memoranda: | ||
| Average total assets | $1,348,906,400 | 602 |
| Average earning assets | $1,252,328,600 | 593 |
| Average equity | $189,781,800 | 494 |
| Average total loans | $1,131,430,200 | 517 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8897% | 1,849 |
| Cost of funding earning assets | 1.4634% | 463 |
| Net interest margin | 3.4263% | 3,784 |
| Noninterest income to average assets | 0.2040% | 4,498 |
| Noninterest expense to average assets | 2.0999% | 4,365 |
| Loan and lease loss provision to assets | 0.4714% | 260 |
| Net operating income to assets | 0.6805% | 4,075 |
| Return on assets (ROA) | 0.6809% | 4,136 |
| Pretax return on assets | 0.8165% | 4,083 |
| Return on Equity (ROE) | 4.7830% | 4,390 |
| Retained earnings to average equity (ytd only) | 4.3552% | 3,221 |
| Net charge-offs to loans | 0.4862% | 349 |
| Credit loss provision to net charge-offs | 114.6958% | 2,031 |
| Earnings coverage of net charge-offs (x) | 3.1327% | 3,130 |
| Efficiency ratio | 61.1323% | 3,459 |
| Assets per employee ($millions) | 7.8386% | 732 |
| Cash dividends to net income (ytd only)* | 8.9441% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 3,069 |
| Loan loss allowance to noncurrent loans | 515.3246% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 3,869 |
| Noncurrent loans to loans | 0.2119% | 3,778 |
| Net loans and leases to total assets | 82.3470% | 523 |
| Net loans and leases to deposits | 98.7084% | 749 |
| Net loans and leases to core deposits | 114.6016% | 727 |
| Total domestic deposits to total assets | 83.4245% | 3,016 |
| Equity capital to assets | 13.9981% | 1,151 |
| Core capital (leverage) ratio | 13.3135% | 1,208 |
| Tier 1 risk-based capital ratio | 14.4059% | 3,135 |
| Total risk-based capital ratio | 15.4155% | 3,149 |
| Memoranda: | ||
| Average total assets | $1,322,409,500 | 611 |
| Average earning assets | $1,228,632,500 | 603 |
| Average equity | $188,246,000 | 498 |
| Average total loans | $1,117,645,250 | 521 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8756% | 1,833 |
| Cost of funding earning assets | 1.4815% | 402 |
| Net interest margin | 3.3941% | 3,911 |
| Noninterest income to average assets | 0.1771% | 4,684 |
| Noninterest expense to average assets | 2.0929% | 4,429 |
| Loan and lease loss provision to assets | 0.6982% | 148 |
| Net operating income to assets | 0.4659% | 4,604 |
| Return on assets (ROA) | 0.4660% | 4,635 |
| Pretax return on assets | 0.5495% | 4,624 |
| Return on Equity (ROE) | 3.2547% | 4,737 |
| Retained earnings to average equity (ytd only) | 2.8239% | 3,799 |
| Net charge-offs to loans | 0.7356% | 196 |
| Credit loss provision to net charge-offs | 111.7113% | 1,829 |
| Earnings coverage of net charge-offs (x) | 1.9961% | 2,977 |
| Efficiency ratio | 62.2123% | 3,399 |
| Assets per employee ($millions) | 7.6047% | 773 |
| Cash dividends to net income (ytd only)* | 13.2367% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 3,053 |
| Loan loss allowance to noncurrent loans | 460.0370% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 3,770 |
| Noncurrent loans to loans | 0.2398% | 3,677 |
| Net loans and leases to total assets | 81.8060% | 636 |
| Net loans and leases to deposits | 96.7973% | 953 |
| Net loans and leases to core deposits | 113.1552% | 813 |
| Total domestic deposits to total assets | 84.5127% | 2,679 |
| Equity capital to assets | 13.9105% | 1,154 |
| Core capital (leverage) ratio | 13.1428% | 1,237 |
| Tier 1 risk-based capital ratio | 14.4066% | 3,111 |
| Total risk-based capital ratio | 15.4285% | 3,140 |
| Memoranda: | ||
| Average total assets | $1,303,346,670 | 618 |
| Average earning assets | $1,214,744,000 | 607 |
| Average equity | $186,622,330 | 501 |
| Average total loans | $1,107,326,670 | 523 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8683% | 1,699 |
| Cost of funding earning assets | 1.4612% | 372 |
| Net interest margin | 3.4071% | 3,871 |
| Noninterest income to average assets | 0.1607% | 4,774 |
| Noninterest expense to average assets | 1.9878% | 4,667 |
| Loan and lease loss provision to assets | 1.3183% | 63 |
| Net operating income to assets | 0.0719% | 5,105 |
| Return on assets (ROA) | 0.0719% | 5,110 |
| Pretax return on assets | 0.0487% | 5,123 |
| Return on Equity (ROE) | 0.4945% | 5,119 |
| Retained earnings to average equity (ytd only) | 0.0626% | 4,515 |
| Net charge-offs to loans | 1.5239% | 77 |
| Credit loss provision to net charge-offs | 100.4064% | 1,568 |
| Earnings coverage of net charge-offs (x) | 1.0411% | 2,629 |
| Efficiency ratio | 59.2534% | 3,918 |
| Assets per employee ($millions) | 9.0085% | 474 |
| Cash dividends to net income (ytd only)* | 87.3362% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 3,274 |
| Loan loss allowance to noncurrent loans | 113.6653% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8146% | 1,738 |
| Noncurrent loans to loans | 0.9439% | 1,773 |
| Net loans and leases to total assets | 85.0148% | 277 |
| Net loans and leases to deposits | 108.9176% | 249 |
| Net loans and leases to core deposits | 133.6636% | 258 |
| Total domestic deposits to total assets | 78.0543% | 4,505 |
| Equity capital to assets | 14.3531% | 921 |
| Core capital (leverage) ratio | 14.5963% | 790 |
| Tier 1 risk-based capital ratio | 15.5295% | 2,639 |
| Total risk-based capital ratio | 16.5309% | 2,665 |
| Memoranda: | ||
| Average total assets | $1,274,396,000 | 628 |
| Average earning assets | $1,194,666,000 | 614 |
| Average equity | $185,255,500 | 499 |
| Average total loans | $1,097,988,000 | 531 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7549% | 1,661 |
| Cost of funding earning assets | 1.1585% | 399 |
| Net interest margin | 3.5964% | 3,394 |
| Noninterest income to average assets | 0.1436% | 4,994 |
| Noninterest expense to average assets | 2.0325% | 4,691 |
| Loan and lease loss provision to assets | 0.0544% | 3,082 |
| Net operating income to assets | 1.2032% | 2,157 |
| Return on assets (ROA) | 1.2033% | 2,148 |
| Pretax return on assets | 1.4487% | 1,958 |
| Return on Equity (ROE) | 8.3595% | 3,295 |
| Retained earnings to average equity (ytd only) | 8.2458% | 1,134 |
| Net charge-offs to loans | 0.0301% | 2,798 |
| Credit loss provision to net charge-offs | 213.1410% | 1,356 |
| Earnings coverage of net charge-offs (x) | 58.8846% | 1,033 |
| Efficiency ratio | 57.4880% | 4,219 |
| Assets per employee ($millions) | 8.4565% | 560 |
| Cash dividends to net income (ytd only)* | 1.3598% | 3,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 3,072 |
| Loan loss allowance to noncurrent loans | 209.5806% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 2,731 |
| Noncurrent loans to loans | 0.5271% | 2,688 |
| Net loans and leases to total assets | 85.4319% | 274 |
| Net loans and leases to deposits | 106.1541% | 363 |
| Net loans and leases to core deposits | 130.6553% | 307 |
| Total domestic deposits to total assets | 80.4791% | 4,000 |
| Equity capital to assets | 14.7270% | 780 |
| Core capital (leverage) ratio | 14.8936% | 717 |
| Tier 1 risk-based capital ratio | 16.3082% | 2,304 |
| Total risk-based capital ratio | 17.3659% | 2,308 |
| Memoranda: | ||
| Average total assets | $1,222,340,200 | 631 |
| Average earning assets | $1,152,851,200 | 618 |
| Average equity | $175,943,600 | 499 |
| Average total loans | $1,035,262,400 | 544 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7182% | 1,622 |
| Cost of funding earning assets | 1.1022% | 397 |
| Net interest margin | 3.6160% | 3,316 |
| Noninterest income to average assets | 0.1356% | 5,090 |
| Noninterest expense to average assets | 2.0342% | 4,675 |
| Loan and lease loss provision to assets | 0.0730% | 2,493 |
| Net operating income to assets | 1.1982% | 2,247 |
| Return on assets (ROA) | 1.1983% | 2,250 |
| Pretax return on assets | 1.4396% | 2,089 |
| Return on Equity (ROE) | 8.3748% | 3,390 |
| Retained earnings to average equity (ytd only) | 8.3748% | 1,482 |
| Net charge-offs to loans | 0.0152% | 2,878 |
| Credit loss provision to net charge-offs | 568.3761% | 630 |
| Earnings coverage of net charge-offs (x) | 117.8004% | 669 |
| Efficiency ratio | 57.3559% | 4,206 |
| Assets per employee ($millions) | 8.5758% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 2,936 |
| Loan loss allowance to noncurrent loans | 251.2210% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.3948% | 3,109 |
| Noncurrent loans to loans | 0.4558% | 3,018 |
| Net loans and leases to total assets | 84.8551% | 370 |
| Net loans and leases to deposits | 102.1559% | 637 |
| Net loans and leases to core deposits | 124.3582% | 454 |
| Total domestic deposits to total assets | 83.0643% | 3,288 |
| Equity capital to assets | 14.5362% | 821 |
| Core capital (leverage) ratio | 14.4715% | 829 |
| Tier 1 risk-based capital ratio | 16.3650% | 2,312 |
| Total risk-based capital ratio | 17.4668% | 2,313 |
| Memoranda: | ||
| Average total assets | $1,215,034,250 | 634 |
| Average earning assets | $1,146,162,500 | 620 |
| Average equity | $173,850,000 | 498 |
| Average total loans | $1,023,783,250 | 549 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6135% | 1,741 |
| Cost of funding earning assets | 1.0328% | 402 |
| Net interest margin | 3.5807% | 3,384 |
| Noninterest income to average assets | 0.1883% | 4,884 |
| Noninterest expense to average assets | 2.0357% | 4,733 |
| Loan and lease loss provision to assets | 0.1101% | 1,787 |
| Net operating income to assets | 1.1942% | 2,225 |
| Return on assets (ROA) | 1.1943% | 2,223 |
| Pretax return on assets | 1.4209% | 2,083 |
| Return on Equity (ROE) | 8.3925% | 3,318 |
| Retained earnings to average equity (ytd only) | 8.3925% | 1,451 |
| Net charge-offs to loans | 0.0415% | 2,032 |
| Credit loss provision to net charge-offs | 316.6667% | 971 |
| Earnings coverage of net charge-offs (x) | 44.0429% | 1,222 |
| Efficiency ratio | 57.0792% | 4,350 |
| Assets per employee ($millions) | 8.3272% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 3,095 |
| Loan loss allowance to noncurrent loans | 142.3372% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.7467% | 1,997 |
| Noncurrent loans to loans | 0.7937% | 2,145 |
| Net loans and leases to total assets | 84.9638% | 360 |
| Net loans and leases to deposits | 103.8937% | 532 |
| Net loans and leases to core deposits | 126.3922% | 399 |
| Total domestic deposits to total assets | 81.7795% | 3,785 |
| Equity capital to assets | 14.1837% | 883 |
| Core capital (leverage) ratio | 14.5496% | 767 |
| Tier 1 risk-based capital ratio | 15.6076% | 2,583 |
| Total risk-based capital ratio | 16.6737% | 2,601 |
| Memoranda: | ||
| Average total assets | $1,208,408,330 | 642 |
| Average earning assets | $1,140,057,000 | 624 |
| Average equity | $171,963,670 | 500 |
| Average total loans | $1,011,702,670 | 552 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 1,649 |
| Cost of funding earning assets | 0.9603% | 447 |
| Net interest margin | 3.6135% | 3,122 |
| Noninterest income to average assets | 0.1741% | 4,984 |
| Noninterest expense to average assets | 2.0271% | 4,798 |
| Loan and lease loss provision to assets | 0.0856% | 2,091 |
| Net operating income to assets | 1.2014% | 1,996 |
| Return on assets (ROA) | 1.2014% | 2,009 |
| Pretax return on assets | 1.4665% | 1,779 |
| Return on Equity (ROE) | 8.4282% | 3,180 |
| Retained earnings to average equity (ytd only) | 8.4282% | 1,682 |
| Net charge-offs to loans | -0.0012% | 3,769 |
| Credit loss provision to net charge-offs | -8,500.0000% | 4,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6367% | 4,504 |
| Assets per employee ($millions) | 8.1088% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 2,893 |
| Loan loss allowance to noncurrent loans | 109.3888% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.9827% | 1,597 |
| Noncurrent loans to loans | 1.0844% | 1,691 |
| Net loans and leases to total assets | 83.3762% | 501 |
| Net loans and leases to deposits | 100.9558% | 641 |
| Net loans and leases to core deposits | 124.3360% | 464 |
| Total domestic deposits to total assets | 82.5868% | 3,791 |
| Equity capital to assets | 14.4956% | 774 |
| Core capital (leverage) ratio | 14.3062% | 807 |
| Tier 1 risk-based capital ratio | 15.9388% | 2,505 |
| Total risk-based capital ratio | 17.0374% | 2,510 |
| Memoranda: | ||
| Average total assets | $1,192,235,500 | 650 |
| Average earning assets | $1,123,455,500 | 636 |
| Average equity | $169,953,000 | 513 |
| Average total loans | $984,435,000 | 569 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7510% | 1,074 |
| Cost of funding earning assets | 0.8582% | 462 |
| Net interest margin | 3.8928% | 2,109 |
| Noninterest income to average assets | 0.1677% | 5,119 |
| Noninterest expense to average assets | 2.1408% | 4,674 |
| Loan and lease loss provision to assets | 0.3458% | 461 |
| Net operating income to assets | 1.0105% | 2,192 |
| Return on assets (ROA) | 1.0115% | 2,223 |
| Pretax return on assets | 1.3650% | 2,111 |
| Return on Equity (ROE) | 8.3759% | 2,616 |
| Retained earnings to average equity (ytd only) | 8.3759% | 652 |
| Net charge-offs to loans | 0.3295% | 772 |
| Credit loss provision to net charge-offs | 125.6676% | 2,088 |
| Earnings coverage of net charge-offs (x) | 6.2130% | 3,214 |
| Efficiency ratio | 55.6017% | 4,802 |
| Assets per employee ($millions) | 8.9596% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 2,818 |
| Loan loss allowance to noncurrent loans | 126.0028% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.8330% | 1,870 |
| Noncurrent loans to loans | 0.9484% | 1,876 |
| Net loans and leases to total assets | 79.8237% | 983 |
| Net loans and leases to deposits | 93.1646% | 1,371 |
| Net loans and leases to core deposits | 110.0772% | 999 |
| Total domestic deposits to total assets | 85.6803% | 2,586 |
| Equity capital to assets | 14.0177% | 904 |
| Core capital (leverage) ratio | 14.6744% | 690 |
| Tier 1 risk-based capital ratio | 16.0394% | 2,426 |
| Total risk-based capital ratio | 17.1489% | 2,414 |
| Memoranda: | ||
| Average total assets | $1,088,899,000 | 682 |
| Average earning assets | $1,030,081,800 | 660 |
| Average equity | $131,497,000 | 626 |
| Average total loans | $909,205,000 | 584 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7566% | 1,010 |
| Cost of funding earning assets | 0.8480% | 457 |
| Net interest margin | 3.9087% | 2,014 |
| Noninterest income to average assets | 0.1668% | 5,183 |
| Noninterest expense to average assets | 2.2409% | 4,445 |
| Loan and lease loss provision to assets | 0.1068% | 1,989 |
| Net operating income to assets | 1.1682% | 1,804 |
| Return on assets (ROA) | 1.1696% | 1,846 |
| Pretax return on assets | 1.5241% | 1,691 |
| Return on Equity (ROE) | 10.1466% | 2,062 |
| Retained earnings to average equity (ytd only) | 10.1466% | 554 |
| Net charge-offs to loans | 0.0614% | 2,235 |
| Credit loss provision to net charge-offs | 206.3107% | 1,316 |
| Earnings coverage of net charge-offs (x) | 31.4660% | 1,507 |
| Efficiency ratio | 57.9036% | 4,515 |
| Assets per employee ($millions) | 8.3504% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 2,981 |
| Loan loss allowance to noncurrent loans | 100.1779% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.0205% | 1,657 |
| Noncurrent loans to loans | 1.1887% | 1,612 |
| Net loans and leases to total assets | 83.4969% | 488 |
| Net loans and leases to deposits | 98.5456% | 862 |
| Net loans and leases to core deposits | 114.5649% | 804 |
| Total domestic deposits to total assets | 84.7292% | 2,824 |
| Equity capital to assets | 14.9036% | 749 |
| Core capital (leverage) ratio | 15.2932% | 609 |
| Tier 1 risk-based capital ratio | 16.0610% | 2,478 |
| Total risk-based capital ratio | 17.1547% | 2,476 |
| Memoranda: | ||
| Average total assets | $1,060,976,000 | 701 |
| Average earning assets | $1,005,220,250 | 676 |
| Average equity | $122,297,500 | 676 |
| Average total loans | $894,019,500 | 595 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6438% | 1,165 |
| Cost of funding earning assets | 0.8317% | 442 |
| Net interest margin | 3.8120% | 2,243 |
| Noninterest income to average assets | 0.1632% | 5,241 |
| Noninterest expense to average assets | 2.3015% | 4,346 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1745% | 1,688 |
| Return on assets (ROA) | 1.1768% | 1,713 |
| Pretax return on assets | 1.4832% | 1,706 |
| Return on Equity (ROE) | 11.4054% | 1,496 |
| Retained earnings to average equity (ytd only) | 11.4054% | 380 |
| Net charge-offs to loans | 0.0404% | 2,392 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 43.5593% | 1,190 |
| Efficiency ratio | 60.8570% | 4,187 |
| Assets per employee ($millions) | 7.5867% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 3,035 |
| Loan loss allowance to noncurrent loans | 146.6657% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.7052% | 2,454 |
| Noncurrent loans to loans | 0.8158% | 2,364 |
| Net loans and leases to total assets | 83.3517% | 506 |
| Net loans and leases to deposits | 99.9571% | 740 |
| Net loans and leases to core deposits | 113.3163% | 830 |
| Total domestic deposits to total assets | 83.3874% | 3,434 |
| Equity capital to assets | 10.5821% | 3,252 |
| Core capital (leverage) ratio | 10.5525% | 2,859 |
| Tier 1 risk-based capital ratio | 11.2491% | 5,117 |
| Total risk-based capital ratio | 12.3357% | 5,103 |
| Memoranda: | ||
| Average total assets | $1,041,651,000 | 721 |
| Average earning assets | $988,812,330 | 691 |
| Average equity | $107,475,330 | 765 |
| Average total loans | $876,843,000 | 606 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 1,166 |
| Cost of funding earning assets | 0.7956% | 504 |
| Net interest margin | 3.7928% | 2,142 |
| Noninterest income to average assets | 0.1476% | 5,379 |
| Noninterest expense to average assets | 2.2998% | 4,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1927% | 1,520 |
| Return on assets (ROA) | 1.1940% | 1,560 |
| Pretax return on assets | 1.4559% | 1,678 |
| Return on Equity (ROE) | 11.7249% | 1,329 |
| Retained earnings to average equity (ytd only) | 11.7249% | 503 |
| Net charge-offs to loans | 0.0790% | 1,545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 21.8837% | 1,436 |
| Efficiency ratio | 61.2598% | 4,273 |
| Assets per employee ($millions) | 7.6234% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 3,073 |
| Loan loss allowance to noncurrent loans | 324.4973% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 3,872 |
| Noncurrent loans to loans | 0.3727% | 3,758 |
| Net loans and leases to total assets | 83.2934% | 437 |
| Net loans and leases to deposits | 106.7971% | 297 |
| Net loans and leases to core deposits | 116.1601% | 590 |
| Total domestic deposits to total assets | 77.9922% | 4,966 |
| Equity capital to assets | 10.2806% | 3,427 |
| Core capital (leverage) ratio | 10.3166% | 3,090 |
| Tier 1 risk-based capital ratio | 11.1367% | 5,237 |
| Total risk-based capital ratio | 12.2530% | 5,219 |
| Memoranda: | ||
| Average total assets | $1,035,202,000 | 728 |
| Average earning assets | $984,390,000 | 697 |
| Average equity | $105,416,500 | 779 |
| Average total loans | $870,450,000 | 614 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7494% | 968 |
| Cost of funding earning assets | 0.8015% | 502 |
| Net interest margin | 3.9479% | 1,798 |
| Noninterest income to average assets | 0.1568% | 5,427 |
| Noninterest expense to average assets | 2.3289% | 4,491 |
| Loan and lease loss provision to assets | -0.0040% | 5,468 |
| Net operating income to assets | 1.1537% | 1,685 |
| Return on assets (ROA) | 1.1635% | 1,730 |
| Pretax return on assets | 1.6017% | 1,272 |
| Return on Equity (ROE) | 12.0811% | 1,221 |
| Retained earnings to average equity (ytd only) | 12.0811% | 214 |
| Net charge-offs to loans | -0.0014% | 4,681 |
| Credit loss provision to net charge-offs | 341.6667% | 892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5135% | 4,661 |
| Assets per employee ($millions) | 7.6567% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 2,769 |
| Loan loss allowance to noncurrent loans | 208.4361% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5060% | 3,240 |
| Noncurrent loans to loans | 0.6035% | 3,043 |
| Net loans and leases to total assets | 82.7981% | 500 |
| Net loans and leases to deposits | 98.4907% | 781 |
| Net loans and leases to core deposits | 108.8252% | 972 |
| Total domestic deposits to total assets | 84.0669% | 3,400 |
| Equity capital to assets | 10.0841% | 3,629 |
| Core capital (leverage) ratio | 10.1428% | 3,316 |
| Tier 1 risk-based capital ratio | 10.8959% | 5,395 |
| Total risk-based capital ratio | 12.0478% | 5,340 |
| Memoranda: | ||
| Average total assets | $1,017,916,400 | 708 |
| Average earning assets | $968,551,200 | 681 |
| Average equity | $98,029,200 | 805 |
| Average total loans | $832,302,600 | 610 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7611% | 965 |
| Cost of funding earning assets | 0.7922% | 523 |
| Net interest margin | 3.9688% | 1,755 |
| Noninterest income to average assets | 0.1450% | 5,535 |
| Noninterest expense to average assets | 2.3636% | 4,371 |
| Loan and lease loss provision to assets | -0.0054% | 5,638 |
| Net operating income to assets | 1.1453% | 1,827 |
| Return on assets (ROA) | 1.1582% | 1,876 |
| Pretax return on assets | 1.5778% | 1,440 |
| Return on Equity (ROE) | 12.1716% | 1,269 |
| Retained earnings to average equity (ytd only) | 12.1716% | 284 |
| Net charge-offs to loans | -0.0013% | 4,452 |
| Credit loss provision to net charge-offs | 512.5000% | 691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3216% | 4,496 |
| Assets per employee ($millions) | 7.4169% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 2,684 |
| Loan loss allowance to noncurrent loans | 140.6762% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.7624% | 2,643 |
| Noncurrent loans to loans | 0.9248% | 2,397 |
| Net loans and leases to total assets | 81.3596% | 710 |
| Net loans and leases to deposits | 94.8142% | 1,167 |
| Net loans and leases to core deposits | 103.9153% | 1,347 |
| Total domestic deposits to total assets | 85.8095% | 2,449 |
| Equity capital to assets | 10.0742% | 4,063 |
| Core capital (leverage) ratio | 9.9757% | 3,605 |
| Tier 1 risk-based capital ratio | 10.6773% | 5,535 |
| Total risk-based capital ratio | 11.8417% | 5,494 |
| Memoranda: | ||
| Average total assets | $1,015,896,750 | 709 |
| Average earning assets | $965,839,500 | 690 |
| Average equity | $96,671,000 | 822 |
| Average total loans | $825,296,750 | 613 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7756% | 932 |
| Cost of funding earning assets | 0.7711% | 566 |
| Net interest margin | 4.0045% | 1,630 |
| Noninterest income to average assets | 0.1526% | 5,542 |
| Noninterest expense to average assets | 2.4142% | 4,294 |
| Loan and lease loss provision to assets | 0.0198% | 3,745 |
| Net operating income to assets | 1.1182% | 1,896 |
| Return on assets (ROA) | 1.1376% | 1,931 |
| Pretax return on assets | 1.5496% | 1,530 |
| Return on Equity (ROE) | 12.1909% | 1,246 |
| Retained earnings to average equity (ytd only) | 12.1909% | 299 |
| Net charge-offs to loans | -0.0015% | 4,343 |
| Credit loss provision to net charge-offs | -1,683.3333% | 5,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0085% | 4,511 |
| Assets per employee ($millions) | 7.2379% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3360% | 2,591 |
| Loan loss allowance to noncurrent loans | 131.9923% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.8550% | 2,449 |
| Noncurrent loans to loans | 1.0122% | 2,264 |
| Net loans and leases to total assets | 80.4389% | 838 |
| Net loans and leases to deposits | 99.6057% | 726 |
| Net loans and leases to core deposits | 110.0912% | 931 |
| Total domestic deposits to total assets | 80.7574% | 4,339 |
| Equity capital to assets | 9.8023% | 4,449 |
| Core capital (leverage) ratio | 9.4685% | 4,242 |
| Tier 1 risk-based capital ratio | 10.4535% | 5,688 |
| Total risk-based capital ratio | 11.6466% | 5,639 |
| Memoranda: | ||
| Average total assets | $1,018,295,330 | 707 |
| Average earning assets | $967,469,330 | 690 |
| Average equity | $95,021,670 | 838 |
| Average total loans | $823,231,330 | 607 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7066% | 1,035 |
| Cost of funding earning assets | 0.7342% | 679 |
| Net interest margin | 3.9724% | 1,702 |
| Noninterest income to average assets | 0.1523% | 5,577 |
| Noninterest expense to average assets | 2.2882% | 4,697 |
| Loan and lease loss provision to assets | 0.1648% | 1,254 |
| Net operating income to assets | 1.0679% | 2,018 |
| Return on assets (ROA) | 1.0816% | 2,082 |
| Pretax return on assets | 1.4912% | 1,625 |
| Return on Equity (ROE) | 11.8854% | 1,344 |
| Retained earnings to average equity (ytd only) | 11.8854% | 522 |
| Net charge-offs to loans | -0.0015% | 4,098 |
| Credit loss provision to net charge-offs | -14,066.6667% | 5,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2911% | 4,959 |
| Assets per employee ($millions) | 7.2922% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 2,709 |
| Loan loss allowance to noncurrent loans | 105.3930% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.0622% | 2,083 |
| Noncurrent loans to loans | 1.2714% | 1,902 |
| Net loans and leases to total assets | 80.1784% | 791 |
| Net loans and leases to deposits | 101.2356% | 549 |
| Net loans and leases to core deposits | 112.1487% | 741 |
| Total domestic deposits to total assets | 79.1998% | 4,921 |
| Equity capital to assets | 9.1747% | 5,016 |
| Core capital (leverage) ratio | 9.1030% | 4,732 |
| Tier 1 risk-based capital ratio | 10.0048% | 5,916 |
| Total risk-based capital ratio | 11.2223% | 5,878 |
| Memoranda: | ||
| Average total assets | $1,024,406,000 | 702 |
| Average earning assets | $973,024,500 | 681 |
| Average equity | $93,223,500 | 854 |
| Average total loans | $824,730,500 | 596 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 1,260 |
| Cost of funding earning assets | 0.7249% | 716 |
| Net interest margin | 3.9034% | 2,018 |
| Noninterest income to average assets | 0.1596% | 5,627 |
| Noninterest expense to average assets | 2.2157% | 5,024 |
| Loan and lease loss provision to assets | 0.1916% | 1,153 |
| Net operating income to assets | 1.0905% | 1,966 |
| Return on assets (ROA) | 1.1076% | 1,952 |
| Pretax return on assets | 1.4801% | 1,618 |
| Return on Equity (ROE) | 12.9690% | 1,067 |
| Retained earnings to average equity (ytd only) | 12.9690% | 205 |
| Net charge-offs to loans | 0.1379% | 1,970 |
| Credit loss provision to net charge-offs | 179.4533% | 1,513 |
| Earnings coverage of net charge-offs (x) | 15.4430% | 2,202 |
| Efficiency ratio | 57.3318% | 5,219 |
| Assets per employee ($millions) | 7.3429% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 2,697 |
| Loan loss allowance to noncurrent loans | 90.5004% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.2128% | 1,784 |
| Noncurrent loans to loans | 1.4840% | 1,563 |
| Net loans and leases to total assets | 78.6616% | 1,039 |
| Net loans and leases to deposits | 100.9699% | 611 |
| Net loans and leases to core deposits | 111.1275% | 805 |
| Total domestic deposits to total assets | 77.9059% | 5,187 |
| Equity capital to assets | 9.0242% | 5,100 |
| Core capital (leverage) ratio | 8.9584% | 4,928 |
| Tier 1 risk-based capital ratio | 10.1398% | 5,913 |
| Total risk-based capital ratio | 11.3654% | 5,850 |
| Memoranda: | ||
| Average total assets | $993,617,200 | 692 |
| Average earning assets | $943,159,600 | 672 |
| Average equity | $84,856,000 | 898 |
| Average total loans | $769,274,000 | 604 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5909% | 1,351 |
| Cost of funding earning assets | 0.7302% | 713 |
| Net interest margin | 3.8607% | 2,158 |
| Noninterest income to average assets | 0.1598% | 5,687 |
| Noninterest expense to average assets | 2.1998% | 5,053 |
| Loan and lease loss provision to assets | 0.1393% | 1,595 |
| Net operating income to assets | 1.1135% | 1,947 |
| Return on assets (ROA) | 1.1153% | 2,019 |
| Pretax return on assets | 1.4880% | 1,714 |
| Return on Equity (ROE) | 13.2514% | 1,067 |
| Retained earnings to average equity (ytd only) | 13.2514% | 261 |
| Net charge-offs to loans | 0.0769% | 2,463 |
| Credit loss provision to net charge-offs | 235.8447% | 1,187 |
| Earnings coverage of net charge-offs (x) | 27.5112% | 1,582 |
| Efficiency ratio | 57.5136% | 5,178 |
| Assets per employee ($millions) | 7.6839% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 2,926 |
| Loan loss allowance to noncurrent loans | 72.4942% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.4518% | 1,551 |
| Noncurrent loans to loans | 1.8419% | 1,275 |
| Net loans and leases to total assets | 76.6651% | 1,295 |
| Net loans and leases to deposits | 100.7370% | 625 |
| Net loans and leases to core deposits | 109.1547% | 925 |
| Total domestic deposits to total assets | 76.1042% | 5,473 |
| Equity capital to assets | 8.6856% | 5,585 |
| Core capital (leverage) ratio | 8.7288% | 5,316 |
| Tier 1 risk-based capital ratio | 10.2162% | 5,973 |
| Total risk-based capital ratio | 11.4647% | 5,920 |
| Memoranda: | ||
| Average total assets | $988,691,000 | 703 |
| Average earning assets | $938,553,250 | 681 |
| Average equity | $83,209,000 | 923 |
| Average total loans | $759,606,000 | 613 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 1,296 |
| Cost of funding earning assets | 0.7427% | 675 |
| Net interest margin | 3.8518% | 2,135 |
| Noninterest income to average assets | 0.1637% | 5,721 |
| Noninterest expense to average assets | 2.2475% | 4,984 |
| Loan and lease loss provision to assets | 0.1504% | 1,418 |
| Net operating income to assets | 1.0753% | 2,031 |
| Return on assets (ROA) | 1.0779% | 2,124 |
| Pretax return on assets | 1.4351% | 1,847 |
| Return on Equity (ROE) | 12.9527% | 1,125 |
| Retained earnings to average equity (ytd only) | 12.9527% | 313 |
| Net charge-offs to loans | 0.0454% | 2,787 |
| Credit loss provision to net charge-offs | 432.3529% | 701 |
| Earnings coverage of net charge-offs (x) | 45.4882% | 1,023 |
| Efficiency ratio | 58.6890% | 5,148 |
| Assets per employee ($millions) | 7.6759% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 2,891 |
| Loan loss allowance to noncurrent loans | 84.4691% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.2656% | 1,985 |
| Noncurrent loans to loans | 1.6224% | 1,612 |
| Net loans and leases to total assets | 74.5349% | 1,578 |
| Net loans and leases to deposits | 91.2390% | 1,456 |
| Net loans and leases to core deposits | 98.6478% | 1,599 |
| Total domestic deposits to total assets | 81.6919% | 4,391 |
| Equity capital to assets | 8.1983% | 5,880 |
| Core capital (leverage) ratio | 8.5628% | 5,476 |
| Tier 1 risk-based capital ratio | 9.9175% | 6,111 |
| Total risk-based capital ratio | 11.1688% | 6,065 |
| Memoranda: | ||
| Average total assets | $977,602,330 | 717 |
| Average earning assets | $930,414,670 | 688 |
| Average equity | $81,357,670 | 943 |
| Average total loans | $748,112,330 | 627 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6734% | 1,084 |
| Cost of funding earning assets | 0.7635% | 609 |
| Net interest margin | 3.9098% | 1,861 |
| Noninterest income to average assets | 0.1352% | 5,928 |
| Noninterest expense to average assets | 2.3587% | 4,711 |
| Loan and lease loss provision to assets | 0.0979% | 2,064 |
| Net operating income to assets | 1.0425% | 2,065 |
| Return on assets (ROA) | 1.0477% | 2,188 |
| Pretax return on assets | 1.4160% | 1,832 |
| Return on Equity (ROE) | 12.4906% | 1,222 |
| Retained earnings to average equity (ytd only) | 12.4906% | 506 |
| Net charge-offs to loans | 0.0038% | 3,188 |
| Credit loss provision to net charge-offs | 3,342.8571% | 115 |
| Earnings coverage of net charge-offs (x) | 514.4286% | 105 |
| Efficiency ratio | 61.0197% | 4,961 |
| Assets per employee ($millions) | 7.3588% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 2,998 |
| Loan loss allowance to noncurrent loans | 94.3057% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.2185% | 2,194 |
| Noncurrent loans to loans | 1.4672% | 1,931 |
| Net loans and leases to total assets | 76.2522% | 1,177 |
| Net loans and leases to deposits | 87.2988% | 1,697 |
| Net loans and leases to core deposits | 94.0318% | 1,770 |
| Total domestic deposits to total assets | 87.3463% | 2,189 |
| Equity capital to assets | 8.5585% | 5,699 |
| Core capital (leverage) ratio | 8.3820% | 5,655 |
| Tier 1 risk-based capital ratio | 10.2503% | 6,100 |
| Total risk-based capital ratio | 11.5011% | 6,044 |
| Memoranda: | ||
| Average total assets | $955,954,000 | 727 |
| Average earning assets | $912,061,500 | 698 |
| Average equity | $80,188,500 | 956 |
| Average total loans | $736,419,000 | 633 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6631% | 1,387 |
| Cost of funding earning assets | 0.8252% | 569 |
| Net interest margin | 3.8379% | 2,480 |
| Noninterest income to average assets | 0.1934% | 5,698 |
| Noninterest expense to average assets | 2.4504% | 4,707 |
| Loan and lease loss provision to assets | 0.1736% | 1,493 |
| Net operating income to assets | 0.9070% | 2,838 |
| Return on assets (ROA) | 0.9887% | 2,520 |
| Pretax return on assets | 1.3367% | 2,120 |
| Return on Equity (ROE) | 12.5735% | 1,245 |
| Retained earnings to average equity (ytd only) | 12.5735% | 253 |
| Net charge-offs to loans | 0.0096% | 4,716 |
| Credit loss provision to net charge-offs | 2,430.7692% | 131 |
| Earnings coverage of net charge-offs (x) | 196.0462% | 274 |
| Efficiency ratio | 63.6444% | 4,641 |
| Assets per employee ($millions) | 7.4630% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 3,106 |
| Loan loss allowance to noncurrent loans | 101.3879% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.1175% | 2,516 |
| Noncurrent loans to loans | 1.3464% | 2,188 |
| Net loans and leases to total assets | 75.6998% | 1,315 |
| Net loans and leases to deposits | 85.2887% | 2,062 |
| Net loans and leases to core deposits | 91.6990% | 2,124 |
| Total domestic deposits to total assets | 88.7571% | 1,383 |
| Equity capital to assets | 8.2179% | 5,952 |
| Core capital (leverage) ratio | 8.1929% | 5,856 |
| Tier 1 risk-based capital ratio | 9.9402% | 6,276 |
| Total risk-based capital ratio | 11.1905% | 6,229 |
| Memoranda: | ||
| Average total assets | $910,365,000 | 731 |
| Average earning assets | $867,407,600 | 707 |
| Average equity | $71,587,200 | 1,024 |
| Average total loans | $679,093,800 | 637 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6515% | 1,428 |
| Cost of funding earning assets | 0.8318% | 587 |
| Net interest margin | 3.8196% | 2,543 |
| Noninterest income to average assets | 0.1867% | 5,803 |
| Noninterest expense to average assets | 2.4796% | 4,594 |
| Loan and lease loss provision to assets | 0.1459% | 1,714 |
| Net operating income to assets | 0.8690% | 3,080 |
| Return on assets (ROA) | 0.9440% | 2,800 |
| Pretax return on assets | 1.3034% | 2,363 |
| Return on Equity (ROE) | 12.1500% | 1,439 |
| Retained earnings to average equity (ytd only) | 12.1500% | 403 |
| Net charge-offs to loans | 0.0008% | 4,680 |
| Credit loss provision to net charge-offs | 24,600.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 2,269.3621% | 20 |
| Efficiency ratio | 64.8290% | 4,403 |
| Assets per employee ($millions) | 7.3695% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 3,399 |
| Loan loss allowance to noncurrent loans | 95.6193% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.1903% | 2,578 |
| Noncurrent loans to loans | 1.4118% | 2,305 |
| Net loans and leases to total assets | 73.9653% | 1,528 |
| Net loans and leases to deposits | 85.6947% | 1,938 |
| Net loans and leases to core deposits | 92.4306% | 1,999 |
| Total domestic deposits to total assets | 86.3126% | 2,695 |
| Equity capital to assets | 7.9710% | 6,147 |
| Core capital (leverage) ratio | 8.1528% | 5,968 |
| Tier 1 risk-based capital ratio | 10.0069% | 6,344 |
| Total risk-based capital ratio | 11.2571% | 6,310 |
| Memoranda: | ||
| Average total assets | $899,140,750 | 746 |
| Average earning assets | $856,427,250 | 718 |
| Average equity | $69,858,500 | 1,053 |
| Average total loans | $665,582,500 | 651 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6571% | 1,380 |
| Cost of funding earning assets | 0.8323% | 604 |
| Net interest margin | 3.8248% | 2,466 |
| Noninterest income to average assets | 0.1775% | 5,887 |
| Noninterest expense to average assets | 2.5304% | 4,484 |
| Loan and lease loss provision to assets | 0.1405% | 1,764 |
| Net operating income to assets | 0.8326% | 3,167 |
| Return on assets (ROA) | 0.9050% | 2,879 |
| Pretax return on assets | 1.2496% | 2,455 |
| Return on Equity (ROE) | 11.7551% | 1,496 |
| Retained earnings to average equity (ytd only) | 11.7551% | 449 |
| Net charge-offs to loans | 0.0012% | 4,354 |
| Credit loss provision to net charge-offs | 15,575.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 1,429.5000% | 34 |
| Efficiency ratio | 66.2436% | 4,326 |
| Assets per employee ($millions) | 7.2667% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 3,586 |
| Loan loss allowance to noncurrent loans | 94.3369% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.2232% | 2,645 |
| Noncurrent loans to loans | 1.4310% | 2,413 |
| Net loans and leases to total assets | 73.8950% | 1,458 |
| Net loans and leases to deposits | 85.5407% | 1,864 |
| Net loans and leases to core deposits | 91.1942% | 2,009 |
| Total domestic deposits to total assets | 86.3858% | 2,828 |
| Equity capital to assets | 8.0081% | 6,154 |
| Core capital (leverage) ratio | 8.1177% | 6,009 |
| Tier 1 risk-based capital ratio | 10.1208% | 6,360 |
| Total risk-based capital ratio | 11.3711% | 6,319 |
| Memoranda: | ||
| Average total assets | $886,878,330 | 756 |
| Average earning assets | $844,603,670 | 722 |
| Average equity | $68,277,000 | 1,071 |
| Average total loans | $653,531,670 | 656 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5999% | 1,505 |
| Cost of funding earning assets | 0.8382% | 618 |
| Net interest margin | 3.7616% | 2,630 |
| Noninterest income to average assets | 0.1819% | 5,877 |
| Noninterest expense to average assets | 2.4774% | 4,693 |
| Loan and lease loss provision to assets | 0.1146% | 2,044 |
| Net operating income to assets | 0.8553% | 2,872 |
| Return on assets (ROA) | 0.9139% | 2,655 |
| Pretax return on assets | 1.2621% | 2,239 |
| Return on Equity (ROE) | 12.1201% | 1,381 |
| Retained earnings to average equity (ytd only) | 12.1201% | 589 |
| Net charge-offs to loans | -0.0044% | 4,794 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6664% | 4,580 |
| Assets per employee ($millions) | 6.9459% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 3,889 |
| Loan loss allowance to noncurrent loans | 85.3105% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.2787% | 2,730 |
| Noncurrent loans to loans | 1.5739% | 2,455 |
| Net loans and leases to total assets | 72.8971% | 1,437 |
| Net loans and leases to deposits | 87.0174% | 1,462 |
| Net loans and leases to core deposits | 91.6929% | 1,762 |
| Total domestic deposits to total assets | 83.7730% | 4,356 |
| Equity capital to assets | 7.7585% | 6,200 |
| Core capital (leverage) ratio | 7.9659% | 6,138 |
| Tier 1 risk-based capital ratio | 10.2231% | 6,420 |
| Total risk-based capital ratio | 11.4734% | 6,382 |
| Memoranda: | ||
| Average total assets | $879,781,000 | 770 |
| Average earning assets | $839,850,000 | 737 |
| Average equity | $66,336,000 | 1,103 |
| Average total loans | $642,817,500 | 665 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7054% | 1,560 |
| Cost of funding earning assets | 0.9042% | 721 |
| Net interest margin | 3.8011% | 2,652 |
| Noninterest income to average assets | 0.2997% | 5,201 |
| Noninterest expense to average assets | 2.2852% | 5,421 |
| Loan and lease loss provision to assets | 0.2465% | 1,464 |
| Net operating income to assets | 1.0443% | 2,140 |
| Return on assets (ROA) | 1.0678% | 2,127 |
| Pretax return on assets | 1.4288% | 1,689 |
| Return on Equity (ROE) | 14.0462% | 942 |
| Retained earnings to average equity (ytd only) | 14.0462% | 201 |
| Net charge-offs to loans | 0.0994% | 3,848 |
| Credit loss provision to net charge-offs | 355.2448% | 641 |
| Earnings coverage of net charge-offs (x) | 23.6871% | 1,402 |
| Efficiency ratio | 58.1601% | 5,718 |
| Assets per employee ($millions) | 7.1920% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 3,939 |
| Loan loss allowance to noncurrent loans | 103.0954% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.0445% | 3,330 |
| Noncurrent loans to loans | 1.2997% | 2,963 |
| Net loans and leases to total assets | 71.2697% | 1,798 |
| Net loans and leases to deposits | 83.4886% | 2,001 |
| Net loans and leases to core deposits | 87.4410% | 2,298 |
| Total domestic deposits to total assets | 85.3646% | 3,568 |
| Equity capital to assets | 7.3205% | 6,360 |
| Core capital (leverage) ratio | 7.8471% | 6,220 |
| Tier 1 risk-based capital ratio | 10.1518% | 6,474 |
| Total risk-based capital ratio | 11.4020% | 6,426 |
| Memoranda: | ||
| Average total assets | $824,186,000 | 802 |
| Average earning assets | $786,953,000 | 768 |
| Average equity | $62,657,400 | 1,148 |
| Average total loans | $575,468,200 | 730 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7076% | 1,579 |
| Cost of funding earning assets | 0.9155% | 758 |
| Net interest margin | 3.7921% | 2,664 |
| Noninterest income to average assets | 0.1945% | 6,008 |
| Noninterest expense to average assets | 2.2773% | 5,413 |
| Loan and lease loss provision to assets | 0.1930% | 1,888 |
| Net operating income to assets | 0.9745% | 2,489 |
| Return on assets (ROA) | 1.0051% | 2,443 |
| Pretax return on assets | 1.3879% | 1,969 |
| Return on Equity (ROE) | 13.0902% | 1,216 |
| Retained earnings to average equity (ytd only) | 13.0902% | 328 |
| Net charge-offs to loans | 0.0825% | 3,770 |
| Credit loss provision to net charge-offs | 338.3285% | 761 |
| Earnings coverage of net charge-offs (x) | 26.9622% | 1,328 |
| Efficiency ratio | 59.6828% | 5,477 |
| Assets per employee ($millions) | 7.6164% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 4,368 |
| Loan loss allowance to noncurrent loans | 91.7903% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.1283% | 3,396 |
| Noncurrent loans to loans | 1.4207% | 3,039 |
| Net loans and leases to total assets | 69.7330% | 2,010 |
| Net loans and leases to deposits | 77.3608% | 2,763 |
| Net loans and leases to core deposits | 81.1062% | 2,991 |
| Total domestic deposits to total assets | 90.1400% | 919 |
| Equity capital to assets | 7.3221% | 6,451 |
| Core capital (leverage) ratio | 7.8131% | 6,324 |
| Tier 1 risk-based capital ratio | 10.2276% | 6,528 |
| Total risk-based capital ratio | 11.4615% | 6,504 |
| Memoranda: | ||
| Average total assets | $810,875,250 | 826 |
| Average earning assets | $774,325,000 | 781 |
| Average equity | $62,263,750 | 1,167 |
| Average total loans | $560,876,750 | 744 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 1,559 |
| Cost of funding earning assets | 0.9226% | 808 |
| Net interest margin | 3.7809% | 2,632 |
| Noninterest income to average assets | 0.2141% | 5,910 |
| Noninterest expense to average assets | 2.3338% | 5,266 |
| Loan and lease loss provision to assets | 0.1498% | 2,456 |
| Net operating income to assets | 0.9697% | 2,466 |
| Return on assets (ROA) | 1.0165% | 2,386 |
| Pretax return on assets | 1.4038% | 1,918 |
| Return on Equity (ROE) | 13.0229% | 1,245 |
| Retained earnings to average equity (ytd only) | 13.0229% | 381 |
| Net charge-offs to loans | 0.1291% | 3,087 |
| Credit loss provision to net charge-offs | 169.1218% | 1,394 |
| Earnings coverage of net charge-offs (x) | 16.8017% | 1,640 |
| Efficiency ratio | 61.0546% | 5,321 |
| Assets per employee ($millions) | 7.1286% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 4,483 |
| Loan loss allowance to noncurrent loans | 86.0064% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.1457% | 3,456 |
| Noncurrent loans to loans | 1.5172% | 3,025 |
| Net loans and leases to total assets | 67.7284% | 2,302 |
| Net loans and leases to deposits | 76.0808% | 2,864 |
| Net loans and leases to core deposits | 79.7297% | 3,056 |
| Total domestic deposits to total assets | 89.0217% | 1,622 |
| Equity capital to assets | 7.4667% | 6,454 |
| Core capital (leverage) ratio | 7.7208% | 6,359 |
| Tier 1 risk-based capital ratio | 10.5222% | 6,496 |
| Total risk-based capital ratio | 11.7397% | 6,482 |
| Memoranda: | ||
| Average total assets | $796,820,670 | 840 |
| Average earning assets | $760,459,330 | 796 |
| Average equity | $62,198,330 | 1,172 |
| Average total loans | $546,932,330 | 759 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7176% | 1,488 |
| Cost of funding earning assets | 0.9275% | 857 |
| Net interest margin | 3.7902% | 2,484 |
| Noninterest income to average assets | 0.2064% | 6,002 |
| Noninterest expense to average assets | 2.3719% | 5,193 |
| Loan and lease loss provision to assets | 0.0426% | 3,893 |
| Net operating income to assets | 1.0039% | 2,205 |
| Return on assets (ROA) | 1.0039% | 2,321 |
| Pretax return on assets | 1.4035% | 1,839 |
| Return on Equity (ROE) | 12.5798% | 1,273 |
| Retained earnings to average equity (ytd only) | 12.5798% | 612 |
| Net charge-offs to loans | 0.0192% | 3,774 |
| Credit loss provision to net charge-offs | 323.0769% | 749 |
| Earnings coverage of net charge-offs (x) | 109.6923% | 349 |
| Efficiency ratio | 62.1248% | 5,286 |
| Assets per employee ($millions) | 7.0947% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 4,678 |
| Loan loss allowance to noncurrent loans | 79.6384% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.2845% | 3,403 |
| Noncurrent loans to loans | 1.6369% | 3,086 |
| Net loans and leases to total assets | 66.3797% | 2,304 |
| Net loans and leases to deposits | 77.0142% | 2,488 |
| Net loans and leases to core deposits | 80.3639% | 2,766 |
| Total domestic deposits to total assets | 86.1916% | 3,422 |
| Equity capital to assets | 7.8676% | 6,446 |
| Core capital (leverage) ratio | 7.6221% | 6,407 |
| Tier 1 risk-based capital ratio | 10.4649% | 6,586 |
| Total risk-based capital ratio | 11.6900% | 6,578 |
| Memoranda: | ||
| Average total assets | $788,898,500 | 853 |
| Average earning assets | $751,737,000 | 818 |
| Average equity | $62,958,000 | 1,176 |
| Average total loans | $541,557,500 | 773 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8369% | 2,074 |
| Cost of funding earning assets | 1.0450% | 1,142 |
| Net interest margin | 3.7919% | 3,260 |
| Noninterest income to average assets | 0.2341% | 5,771 |
| Noninterest expense to average assets | 2.4692% | 5,196 |
| Loan and lease loss provision to assets | 0.2706% | 2,484 |
| Net operating income to assets | 0.7816% | 3,364 |
| Return on assets (ROA) | 0.8679% | 3,212 |
| Pretax return on assets | 1.2371% | 2,649 |
| Return on Equity (ROE) | 10.8482% | 1,854 |
| Retained earnings to average equity (ytd only) | 10.8482% | 454 |
| Net charge-offs to loans | 0.0621% | 5,075 |
| Credit loss provision to net charge-offs | 662.6263% | 374 |
| Earnings coverage of net charge-offs (x) | 33.8990% | 919 |
| Efficiency ratio | 64.0737% | 4,869 |
| Assets per employee ($millions) | 6.6293% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 4,612 |
| Loan loss allowance to noncurrent loans | 78.3971% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.3681% | 3,344 |
| Noncurrent loans to loans | 1.6639% | 3,131 |
| Net loans and leases to total assets | 69.1955% | 1,995 |
| Net loans and leases to deposits | 79.1409% | 2,384 |
| Net loans and leases to core deposits | 82.8903% | 2,680 |
| Total domestic deposits to total assets | 87.4333% | 2,559 |
| Equity capital to assets | 8.0992% | 6,351 |
| Core capital (leverage) ratio | 7.6234% | 6,438 |
| Tier 1 risk-based capital ratio | 10.2643% | 6,632 |
| Total risk-based capital ratio | 11.4976% | 6,600 |
| Memoranda: | ||
| Average total assets | $727,191,400 | 910 |
| Average earning assets | $694,168,600 | 871 |
| Average equity | $58,175,600 | 1,219 |
| Average total loans | $478,347,400 | 858 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8393% | 2,244 |
| Cost of funding earning assets | 1.0668% | 1,211 |
| Net interest margin | 3.7726% | 3,455 |
| Noninterest income to average assets | 0.2219% | 5,965 |
| Noninterest expense to average assets | 2.3898% | 5,429 |
| Loan and lease loss provision to assets | 0.3090% | 2,140 |
| Net operating income to assets | 0.7655% | 3,624 |
| Return on assets (ROA) | 0.8044% | 3,672 |
| Pretax return on assets | 1.1840% | 3,045 |
| Return on Equity (ROE) | 10.0880% | 2,310 |
| Retained earnings to average equity (ytd only) | 10.0880% | 893 |
| Net charge-offs to loans | 0.1074% | 4,315 |
| Credit loss provision to net charge-offs | 445.3083% | 602 |
| Earnings coverage of net charge-offs (x) | 20.6944% | 1,436 |
| Efficiency ratio | 62.4672% | 5,075 |
| Assets per employee ($millions) | 7.0092% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 4,795 |
| Loan loss allowance to noncurrent loans | 89.5141% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.3747% | 3,547 |
| Noncurrent loans to loans | 1.4572% | 3,613 |
| Net loans and leases to total assets | 67.0874% | 2,444 |
| Net loans and leases to deposits | 78.1211% | 2,646 |
| Net loans and leases to core deposits | 81.6083% | 3,014 |
| Total domestic deposits to total assets | 85.8762% | 3,318 |
| Equity capital to assets | 8.1389% | 6,522 |
| Core capital (leverage) ratio | 7.5393% | 6,597 |
| Tier 1 risk-based capital ratio | 10.4453% | 6,686 |
| Total risk-based capital ratio | 11.6748% | 6,672 |
| Memoranda: | ||
| Average total assets | $716,738,750 | 929 |
| Average earning assets | $684,677,000 | 893 |
| Average equity | $57,148,750 | 1,254 |
| Average total loans | $463,147,250 | 888 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7718% | 2,632 |
| Cost of funding earning assets | 1.1007% | 1,219 |
| Net interest margin | 3.6712% | 3,956 |
| Noninterest income to average assets | 0.2038% | 6,102 |
| Noninterest expense to average assets | 2.3844% | 5,509 |
| Loan and lease loss provision to assets | 0.3597% | 1,839 |
| Net operating income to assets | 0.6542% | 4,092 |
| Return on assets (ROA) | 0.7134% | 4,064 |
| Pretax return on assets | 1.0501% | 3,517 |
| Return on Equity (ROE) | 9.0132% | 2,809 |
| Retained earnings to average equity (ytd only) | 9.0132% | 1,271 |
| Net charge-offs to loans | 0.1492% | 3,717 |
| Credit loss provision to net charge-offs | 379.9401% | 788 |
| Earnings coverage of net charge-offs (x) | 13.9731% | 1,745 |
| Efficiency ratio | 64.3196% | 4,833 |
| Assets per employee ($millions) | 6.8840% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 4,883 |
| Loan loss allowance to noncurrent loans | 92.8350% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.3550% | 3,727 |
| Noncurrent loans to loans | 1.4010% | 3,817 |
| Net loans and leases to total assets | 64.8758% | 2,859 |
| Net loans and leases to deposits | 78.3496% | 2,625 |
| Net loans and leases to core deposits | 81.8614% | 2,981 |
| Total domestic deposits to total assets | 82.8030% | 4,824 |
| Equity capital to assets | 7.8955% | 6,634 |
| Core capital (leverage) ratio | 7.5217% | 6,616 |
| Tier 1 risk-based capital ratio | 10.5559% | 6,677 |
| Total risk-based capital ratio | 11.7749% | 6,670 |
| Memoranda: | ||
| Average total assets | $705,656,000 | 942 |
| Average earning assets | $673,412,000 | 905 |
| Average equity | $55,851,330 | 1,274 |
| Average total loans | $447,597,330 | 930 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7514% | 2,844 |
| Cost of funding earning assets | 1.1277% | 1,266 |
| Net interest margin | 3.6237% | 4,159 |
| Noninterest income to average assets | 0.1420% | 6,526 |
| Noninterest expense to average assets | 2.3472% | 5,637 |
| Loan and lease loss provision to assets | 0.2643% | 2,345 |
| Net operating income to assets | 0.6439% | 4,147 |
| Return on assets (ROA) | 0.6439% | 4,354 |
| Pretax return on assets | 0.9870% | 3,717 |
| Return on Equity (ROE) | 8.1245% | 3,231 |
| Retained earnings to average equity (ytd only) | 8.1245% | 1,936 |
| Net charge-offs to loans | -0.0009% | 5,718 |
| Credit loss provision to net charge-offs | -45,600.0000% | 6,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2279% | 4,692 |
| Assets per employee ($millions) | 7.1551% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 5,021 |
| Loan loss allowance to noncurrent loans | 68.1781% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.4053% | 3,761 |
| Noncurrent loans to loans | 1.9077% | 3,273 |
| Net loans and leases to total assets | 61.7161% | 3,313 |
| Net loans and leases to deposits | 72.1709% | 3,411 |
| Net loans and leases to core deposits | 76.0135% | 3,618 |
| Total domestic deposits to total assets | 85.5138% | 3,781 |
| Equity capital to assets | 7.6979% | 6,693 |
| Core capital (leverage) ratio | 7.6371% | 6,542 |
| Tier 1 risk-based capital ratio | 10.8713% | 6,591 |
| Total risk-based capital ratio | 12.0667% | 6,603 |
| Memoranda: | ||
| Average total assets | $690,190,500 | 957 |
| Average earning assets | $658,327,000 | 924 |
| Average equity | $54,698,500 | 1,296 |
| Average total loans | $429,314,000 | 973 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8390% | 3,630 |
| Cost of funding earning assets | 1.3549% | 1,220 |
| Net interest margin | 3.4841% | 5,207 |
| Noninterest income to average assets | 0.1321% | 6,496 |
| Noninterest expense to average assets | 2.6645% | 4,870 |
| Loan and lease loss provision to assets | 0.4253% | 2,465 |
| Net operating income to assets | 0.2453% | 5,438 |
| Return on assets (ROA) | 0.5035% | 4,618 |
| Pretax return on assets | 0.6938% | 4,341 |
| Return on Equity (ROE) | 6.1511% | 3,792 |
| Retained earnings to average equity (ytd only) | 6.1511% | 1,927 |
| Net charge-offs to loans | 0.2083% | 4,494 |
| Credit loss provision to net charge-offs | 335.5932% | 693 |
| Earnings coverage of net charge-offs (x) | 6.0395% | 2,612 |
| Efficiency ratio | 77.6850% | 2,632 |
| Assets per employee ($millions) | 6.2137% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 4,880 |
| Loan loss allowance to noncurrent loans | 61.5473% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.4486% | 3,812 |
| Noncurrent loans to loans | 2.1186% | 3,044 |
| Net loans and leases to total assets | 61.0437% | 3,775 |
| Net loans and leases to deposits | 68.1465% | 4,425 |
| Net loans and leases to core deposits | 71.6721% | 4,570 |
| Total domestic deposits to total assets | 89.5772% | 1,220 |
| Equity capital to assets | 8.1697% | 6,461 |
| Core capital (leverage) ratio | 8.1095% | 6,130 |
| Tier 1 risk-based capital ratio | 11.5130% | 6,153 |
| Total risk-based capital ratio | 12.7061% | 6,177 |
| Memoranda: | ||
| Average total assets | $558,677,200 | 1,181 |
| Average earning assets | $528,803,200 | 1,128 |
| Average equity | $45,732,000 | 1,490 |
| Average total loans | $339,944,200 | 1,248 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8593% | 3,735 |
| Cost of funding earning assets | 1.3794% | 1,321 |
| Net interest margin | 3.4800% | 5,269 |
| Noninterest income to average assets | 0.1709% | 6,363 |
| Noninterest expense to average assets | 2.7208% | 4,652 |
| Loan and lease loss provision to assets | 0.2526% | 3,483 |
| Net operating income to assets | 0.3254% | 5,307 |
| Return on assets (ROA) | 0.5001% | 4,735 |
| Pretax return on assets | 0.7454% | 4,329 |
| Return on Equity (ROE) | 6.1059% | 3,980 |
| Retained earnings to average equity (ytd only) | 6.1059% | 2,494 |
| Net charge-offs to loans | 0.0248% | 5,796 |
| Credit loss provision to net charge-offs | 1,680.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 49.0321% | 656 |
| Efficiency ratio | 78.6827% | 2,445 |
| Assets per employee ($millions) | 5.8352% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 5,216 |
| Loan loss allowance to noncurrent loans | 49.1061% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 1.7974% | 3,399 |
| Noncurrent loans to loans | 2.5572% | 2,709 |
| Net loans and leases to total assets | 61.9366% | 3,740 |
| Net loans and leases to deposits | 69.5884% | 4,365 |
| Net loans and leases to core deposits | 73.1394% | 4,571 |
| Total domestic deposits to total assets | 89.0042% | 1,430 |
| Equity capital to assets | 8.1218% | 6,622 |
| Core capital (leverage) ratio | 8.0241% | 6,372 |
| Tier 1 risk-based capital ratio | 10.8018% | 6,662 |
| Total risk-based capital ratio | 11.9177% | 6,702 |
| Memoranda: | ||
| Average total assets | $532,128,750 | 1,255 |
| Average earning assets | $502,637,250 | 1,210 |
| Average equity | $43,585,500 | 1,557 |
| Average total loans | $322,124,250 | 1,328 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8675% | 3,764 |
| Cost of funding earning assets | 1.4031% | 1,410 |
| Net interest margin | 3.4643% | 5,306 |
| Noninterest income to average assets | 0.1606% | 6,511 |
| Noninterest expense to average assets | 2.7073% | 4,800 |
| Loan and lease loss provision to assets | 0.1883% | 4,034 |
| Net operating income to assets | 0.3452% | 5,192 |
| Return on assets (ROA) | 0.5341% | 4,501 |
| Pretax return on assets | 0.8139% | 3,973 |
| Return on Equity (ROE) | 6.4993% | 3,705 |
| Retained earnings to average equity (ytd only) | 6.4993% | 2,144 |
| Net charge-offs to loans | 0.0392% | 5,301 |
| Credit loss provision to net charge-offs | 805.0000% | 412 |
| Earnings coverage of net charge-offs (x) | 30.6167% | 905 |
| Efficiency ratio | 79.0822% | 2,541 |
| Assets per employee ($millions) | 5.7975% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 5,283 |
| Loan loss allowance to noncurrent loans | 56.2662% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 1.6030% | 3,795 |
| Noncurrent loans to loans | 2.2311% | 3,184 |
| Net loans and leases to total assets | 61.3823% | 4,013 |
| Net loans and leases to deposits | 70.0365% | 4,431 |
| Net loans and leases to core deposits | 73.2943% | 4,670 |
| Total domestic deposits to total assets | 87.6433% | 2,372 |
| Equity capital to assets | 8.2560% | 6,465 |
| Core capital (leverage) ratio | 7.7273% | 6,564 |
| Tier 1 risk-based capital ratio | 10.9572% | 6,565 |
| Total risk-based capital ratio | 12.0520% | 6,631 |
| Memoranda: | ||
| Average total assets | $513,054,000 | 1,315 |
| Average earning assets | $483,208,000 | 1,267 |
| Average equity | $42,158,670 | 1,586 |
| Average total loans | $306,276,670 | 1,414 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7186% | 4,439 |
| Cost of funding earning assets | 1.4138% | 1,546 |
| Net interest margin | 3.3048% | 5,758 |
| Noninterest income to average assets | 0.1416% | 6,706 |
| Noninterest expense to average assets | 2.4808% | 5,624 |
| Loan and lease loss provision to assets | 0.1012% | 4,744 |
| Net operating income to assets | 0.4321% | 4,792 |
| Return on assets (ROA) | 0.4911% | 4,607 |
| Pretax return on assets | 0.7489% | 4,101 |
| Return on Equity (ROE) | 5.9913% | 3,905 |
| Retained earnings to average equity (ytd only) | 5.9913% | 2,643 |
| Net charge-offs to loans | -0.0244% | 6,637 |
| Credit loss provision to net charge-offs | -711.1111% | 6,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5309% | 3,067 |
| Assets per employee ($millions) | 6.2312% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 5,354 |
| Loan loss allowance to noncurrent loans | 55.1328% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.5485% | 3,926 |
| Noncurrent loans to loans | 2.2790% | 3,220 |
| Net loans and leases to total assets | 57.6540% | 4,698 |
| Net loans and leases to deposits | 65.2202% | 5,092 |
| Net loans and leases to core deposits | 67.8096% | 5,313 |
| Total domestic deposits to total assets | 88.3990% | 2,143 |
| Equity capital to assets | 8.0169% | 6,479 |
| Core capital (leverage) ratio | 7.8513% | 6,416 |
| Tier 1 risk-based capital ratio | 11.2978% | 6,257 |
| Total risk-based capital ratio | 12.3809% | 6,383 |
| Memoranda: | ||
| Average total assets | $505,796,500 | 1,332 |
| Average earning assets | $474,465,500 | 1,299 |
| Average equity | $41,460,000 | 1,612 |
| Average total loans | $295,439,500 | 1,486 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5751% | 6,181 |
| Cost of funding earning assets | 1.4536% | 2,938 |
| Net interest margin | 3.1214% | 6,462 |
| Noninterest income to average assets | 0.3707% | 5,132 |
| Noninterest expense to average assets | 2.5300% | 5,682 |
| Loan and lease loss provision to assets | 0.8860% | 1,847 |
| Net operating income to assets | 0.3108% | 4,898 |
| Return on assets (ROA) | 0.6407% | 3,637 |
| Pretax return on assets | 0.2413% | 5,376 |
| Return on Equity (ROE) | 6.8077% | 3,211 |
| Retained earnings to average equity (ytd only) | 6.8077% | 1,406 |
| Net charge-offs to loans | 0.7953% | 2,650 |
| Credit loss provision to net charge-offs | 188.1984% | 1,725 |
| Earnings coverage of net charge-offs (x) | 1.6938% | 4,459 |
| Efficiency ratio | 76.0345% | 3,051 |
| Assets per employee ($millions) | 6.1794% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 5,031 |
| Loan loss allowance to noncurrent loans | 75.9145% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.2303% | 4,560 |
| Noncurrent loans to loans | 1.7058% | 3,945 |
| Net loans and leases to total assets | 57.6789% | 5,071 |
| Net loans and leases to deposits | 66.1219% | 5,384 |
| Net loans and leases to core deposits | 68.4605% | 5,610 |
| Total domestic deposits to total assets | 87.2311% | 2,707 |
| Equity capital to assets | 8.3901% | 6,016 |
| Core capital (leverage) ratio | 7.8902% | 6,331 |
| Tier 1 risk-based capital ratio | 11.2556% | 6,127 |
| Total risk-based capital ratio | 12.3401% | 6,229 |
| Memoranda: | ||
| Average total assets | $372,574,200 | 1,768 |
| Average earning assets | $352,913,600 | 1,706 |
| Average equity | $35,063,400 | 1,890 |
| Average total loans | $220,556,000 | 1,967 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4028% | 6,814 |
| Cost of funding earning assets | 1.3902% | 3,632 |
| Net interest margin | 3.0126% | 6,804 |
| Noninterest income to average assets | 0.3755% | 5,151 |
| Noninterest expense to average assets | 2.4662% | 5,831 |
| Loan and lease loss provision to assets | 0.5001% | 2,962 |
| Net operating income to assets | 0.2720% | 5,271 |
| Return on assets (ROA) | 0.7488% | 3,380 |
| Pretax return on assets | 0.7495% | 4,083 |
| Return on Equity (ROE) | 7.6609% | 3,042 |
| Retained earnings to average equity (ytd only) | 7.6609% | 1,534 |
| Net charge-offs to loans | 0.1494% | 5,112 |
| Credit loss provision to net charge-offs | 562.8821% | 512 |
| Earnings coverage of net charge-offs (x) | 8.6986% | 2,122 |
| Efficiency ratio | 76.1409% | 2,924 |
| Assets per employee ($millions) | 9.3012% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 5,489 |
| Loan loss allowance to noncurrent loans | 58.1505% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.3057% | 4,536 |
| Noncurrent loans to loans | 2.0646% | 3,604 |
| Net loans and leases to total assets | 54.5669% | 5,761 |
| Net loans and leases to deposits | 62.8075% | 6,044 |
| Net loans and leases to core deposits | 64.4538% | 6,260 |
| Total domestic deposits to total assets | 86.8797% | 2,593 |
| Equity capital to assets | 8.5901% | 6,168 |
| Core capital (leverage) ratio | 9.0310% | 4,645 |
| Tier 1 risk-based capital ratio | 12.6252% | 4,872 |
| Total risk-based capital ratio | 13.6332% | 5,069 |
| Memoranda: | ||
| Average total assets | $343,674,750 | 1,927 |
| Average earning assets | $326,665,250 | 1,849 |
| Average equity | $33,589,750 | 1,988 |
| Average total loans | $204,378,500 | 2,147 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8856% | 5,459 |
| Cost of funding earning assets | 1.4631% | 3,474 |
| Net interest margin | 3.4225% | 5,550 |
| Noninterest income to average assets | 0.0741% | 7,217 |
| Noninterest expense to average assets | 2.7918% | 4,521 |
| Loan and lease loss provision to assets | 0.3185% | 3,833 |
| Net operating income to assets | 0.2215% | 5,493 |
| Return on assets (ROA) | 0.6821% | 3,623 |
| Pretax return on assets | 0.6835% | 4,294 |
| Return on Equity (ROE) | 6.5487% | 3,531 |
| Retained earnings to average equity (ytd only) | 6.5487% | 2,057 |
| Net charge-offs to loans | 0.2496% | 4,096 |
| Credit loss provision to net charge-offs | 206.5502% | 1,881 |
| Earnings coverage of net charge-offs (x) | 3.5109% | 3,298 |
| Efficiency ratio | 83.7576% | 1,949 |
| Assets per employee ($millions) | 5.7063% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 5,293 |
| Loan loss allowance to noncurrent loans | 117.9576% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.8397% | 5,436 |
| Noncurrent loans to loans | 1.0424% | 5,221 |
| Net loans and leases to total assets | 57.0498% | 5,557 |
| Net loans and leases to deposits | 67.3690% | 5,631 |
| Net loans and leases to core deposits | 71.4141% | 5,733 |
| Total domestic deposits to total assets | 84.6826% | 3,778 |
| Equity capital to assets | 10.3339% | 3,607 |
| Core capital (leverage) ratio | 10.6448% | 2,503 |
| Tier 1 risk-based capital ratio | 14.8597% | 3,232 |
| Total risk-based capital ratio | 15.9172% | 3,321 |
| Memoranda: | ||
| Average total assets | $297,012,670 | 2,215 |
| Average earning assets | $282,832,670 | 2,136 |
| Average equity | $30,937,330 | 2,130 |
| Average total loans | $183,462,670 | 2,385 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0116% | 4,967 |
| Cost of funding earning assets | 1.4098% | 4,116 |
| Net interest margin | 3.6019% | 4,720 |
| Noninterest income to average assets | 0.0765% | 7,319 |
| Noninterest expense to average assets | 2.8385% | 4,327 |
| Loan and lease loss provision to assets | 0.1299% | 5,271 |
| Net operating income to assets | 0.5628% | 4,067 |
| Return on assets (ROA) | 0.5628% | 4,214 |
| Pretax return on assets | 0.5628% | 4,743 |
| Return on Equity (ROE) | 5.3774% | 4,167 |
| Retained earnings to average equity (ytd only) | 5.3774% | 2,943 |
| Net charge-offs to loans | -0.0022% | 6,767 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3841% | 2,509 |
| Assets per employee ($millions) | 5.9124% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 5,308 |
| Loan loss allowance to noncurrent loans | 105.9158% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.8077% | 5,543 |
| Noncurrent loans to loans | 1.1656% | 5,031 |
| Net loans and leases to total assets | 61.8005% | 4,800 |
| Net loans and leases to deposits | 74.0331% | 4,732 |
| Net loans and leases to core deposits | 78.5164% | 4,960 |
| Total domestic deposits to total assets | 83.4768% | 4,395 |
| Equity capital to assets | 10.4005% | 3,341 |
| Core capital (leverage) ratio | 10.3143% | 2,798 |
| Tier 1 risk-based capital ratio | 15.3127% | 2,962 |
| Total risk-based capital ratio | 16.4958% | 2,946 |
| Memoranda: | ||
| Average total assets | $277,184,500 | 2,412 |
| Average earning assets | $265,861,500 | 2,310 |
| Average equity | $29,010,500 | 2,290 |
| Average total loans | $177,964,000 | 2,506 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1265% | 5,974 |
| Cost of funding earning assets | 1.7102% | 4,451 |
| Net interest margin | 3.4163% | 5,306 |
| Noninterest income to average assets | 0.0754% | 7,374 |
| Noninterest expense to average assets | 2.8153% | 4,903 |
| Loan and lease loss provision to assets | 0.5155% | 3,797 |
| Net operating income to assets | 0.0000% | 5,483 |
| Return on assets (ROA) | 0.1768% | 5,042 |
| Pretax return on assets | 0.1777% | 5,055 |
| Return on Equity (ROE) | 1.5220% | 5,079 |
| Retained earnings to average equity (ytd only) | 1.5220% | 4,007 |
| Net charge-offs to loans | 0.1134% | 6,028 |
| Credit loss provision to net charge-offs | 808.0537% | 361 |
| Earnings coverage of net charge-offs (x) | 8.0940% | 2,003 |
| Efficiency ratio | 84.5007% | 2,289 |
| Assets per employee ($millions) | 6.1549% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 5,180 |
| Loan loss allowance to noncurrent loans | 92.8232% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.9597% | 5,185 |
| Noncurrent loans to loans | 1.3244% | 4,709 |
| Net loans and leases to total assets | 65.1785% | 4,343 |
| Net loans and leases to deposits | 79.1490% | 4,146 |
| Net loans and leases to core deposits | 88.6398% | 5,261 |
| Total domestic deposits to total assets | 82.3491% | 4,794 |
| Equity capital to assets | 10.5380% | 3,143 |
| Core capital (leverage) ratio | 9.9182% | 3,173 |
| Tier 1 risk-based capital ratio | 14.4442% | 3,242 |
| Total risk-based capital ratio | 15.6003% | 3,240 |
| Memoranda: | ||
| Average total assets | $233,545,400 | 2,784 |
| Average earning assets | $222,608,600 | 2,673 |
| Average equity | $27,134,600 | 2,437 |
| Average total loans | $131,411,200 | 3,244 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0019% | 6,593 |
| Cost of funding earning assets | 1.7881% | 4,432 |
| Net interest margin | 3.2138% | 5,966 |
| Noninterest income to average assets | 0.0608% | 7,603 |
| Noninterest expense to average assets | 2.6764% | 5,429 |
| Loan and lease loss provision to assets | 0.4388% | 3,712 |
| Net operating income to assets | 0.0077% | 5,696 |
| Return on assets (ROA) | 0.0077% | 5,752 |
| Pretax return on assets | 0.0089% | 5,686 |
| Return on Equity (ROE) | 0.0643% | 5,754 |
| Retained earnings to average equity (ytd only) | 0.0643% | 5,174 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6711% | 2,095 |
| Assets per employee ($millions) | 6.1940% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 5,374 |
| Loan loss allowance to noncurrent loans | 94.7831% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.8314% | 5,428 |
| Noncurrent loans to loans | 1.2212% | 4,905 |
| Net loans and leases to total assets | 60.2339% | 5,547 |
| Net loans and leases to deposits | 72.0093% | 5,652 |
| Net loans and leases to core deposits | 86.9627% | 5,763 |
| Total domestic deposits to total assets | 83.6474% | 3,884 |
| Equity capital to assets | 10.5951% | 3,409 |
| Core capital (leverage) ratio | 10.4368% | 2,845 |
| Tier 1 risk-based capital ratio | 14.5677% | 3,240 |
| Total risk-based capital ratio | 15.5868% | 3,307 |
| Memoranda: | ||
| Average total assets | $225,766,500 | 2,887 |
| Average earning assets | $215,193,000 | 2,784 |
| Average equity | $26,945,750 | 2,474 |
| Average total loans | $120,601,750 | 3,496 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9053% | 7,019 |
| Cost of funding earning assets | 1.9828% | 3,859 |
| Net interest margin | 2.9225% | 6,750 |
| Noninterest income to average assets | 0.0625% | 7,674 |
| Noninterest expense to average assets | 2.7027% | 5,377 |
| Loan and lease loss provision to assets | 0.3696% | 3,705 |
| Net operating income to assets | -0.2426% | 6,254 |
| Return on assets (ROA) | -0.2426% | 6,268 |
| Pretax return on assets | -0.2408% | 6,168 |
| Return on Equity (ROE) | -1.9447% | 6,214 |
| Retained earnings to average equity (ytd only) | -1.9447% | 5,729 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4515% | 1,412 |
| Assets per employee ($millions) | 6.4888% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 5,224 |
| Loan loss allowance to noncurrent loans | 88.5256% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 5,656 |
| Noncurrent loans to loans | 1.3070% | 4,593 |
| Net loans and leases to total assets | 52.9827% | 6,568 |
| Net loans and leases to deposits | 59.9100% | 6,896 |
| Net loans and leases to core deposits | 73.6881% | 6,809 |
| Total domestic deposits to total assets | 88.4371% | 1,556 |
| Equity capital to assets | 11.0627% | 2,860 |
| Core capital (leverage) ratio | 11.6196% | 2,029 |
| Tier 1 risk-based capital ratio | 17.0410% | 2,290 |
| Total risk-based capital ratio | 18.0193% | 2,320 |
| Memoranda: | ||
| Average total assets | $214,305,670 | 3,051 |
| Average earning assets | $203,043,670 | 2,961 |
| Average equity | $26,740,000 | 2,500 |
| Average total loans | $107,958,000 | 3,813 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0097% | 6,905 |
| Cost of funding earning assets | 2.3880% | 2,341 |
| Net interest margin | 2.6217% | 7,336 |
| Noninterest income to average assets | 0.0735% | 7,684 |
| Noninterest expense to average assets | 2.7386% | 4,832 |
| Loan and lease loss provision to assets | 0.3058% | 3,502 |
| Net operating income to assets | -0.5203% | 6,895 |
| Return on assets (ROA) | -0.5203% | 6,947 |
| Pretax return on assets | -0.5203% | 6,834 |
| Return on Equity (ROE) | -3.9061% | 6,882 |
| Retained earnings to average equity (ytd only) | -3.9061% | 6,414 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.4972% | 848 |
| Assets per employee ($millions) | 5.6340% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 4,787 |
| Loan loss allowance to noncurrent loans | 83.5681% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 5,372 |
| Noncurrent loans to loans | 1.4391% | 4,144 |
| Net loans and leases to total assets | 49.1027% | 6,938 |
| Net loans and leases to deposits | 56.6609% | 7,118 |
| Net loans and leases to core deposits | 67.5588% | 7,156 |
| Total domestic deposits to total assets | 86.6607% | 2,377 |
| Equity capital to assets | 12.8553% | 1,803 |
| Core capital (leverage) ratio | 12.8423% | 1,539 |
| Tier 1 risk-based capital ratio | 20.9206% | 1,461 |
| Total risk-based capital ratio | 21.9267% | 1,467 |
| Memoranda: | ||
| Average total assets | $201,415,500 | 3,221 |
| Average earning assets | $188,273,500 | 3,183 |
| Average equity | $26,830,000 | 2,504 |
| Average total loans | $97,590,500 | 4,097 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2766% | 7,624 |
| Cost of funding earning assets | 2.3170% | 5,076 |
| Net interest margin | 2.9597% | 7,008 |
| Noninterest income to average assets | 0.0702% | 7,793 |
| Noninterest expense to average assets | 4.1967% | 1,151 |
| Loan and lease loss provision to assets | 0.6170% | 2,358 |
| Net operating income to assets | -1.9487% | 7,595 |
| Return on assets (ROA) | -1.9345% | 7,550 |
| Pretax return on assets | -1.9303% | 7,418 |
| Return on Equity (ROE) | -8.4554% | 7,156 |
| Retained earnings to average equity (ytd only) | -8.4554% | 6,921 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.2704% | 367 |
| Assets per employee ($millions) | 5.2533% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 4,595 |
| Loan loss allowance to noncurrent loans | 704.5161% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 7,249 |
| Noncurrent loans to loans | 0.1693% | 6,884 |
| Net loans and leases to total assets | 46.5520% | 7,278 |
| Net loans and leases to deposits | 54.3275% | 7,417 |
| Net loans and leases to core deposits | 62.6677% | 7,488 |
| Total domestic deposits to total assets | 85.6878% | 2,543 |
| Equity capital to assets | 13.8199% | 1,488 |
| Core capital (leverage) ratio | 15.8610% | 852 |
| Tier 1 risk-based capital ratio | 23.7279% | 1,118 |
| Total risk-based capital ratio | 24.7187% | 1,113 |
| Memoranda: | ||
| Average total assets | $119,618,800 | 4,534 |
| Average earning assets | $113,121,400 | 4,442 |
| Average equity | $27,367,200 | 2,449 |
| Average total loans | $57,424,600 | 5,386 |