Home > The Citizens Bank of Georgia > Performance and Condition Ratios
The Citizens Bank of Georgia, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0329% | 3,061 |
| Cost of funding earning assets | 1.3053% | 3,585 |
| Net interest margin | 3.7276% | 1,826 |
| Noninterest income to average assets | 0.2000% | 3,558 |
| Noninterest expense to average assets | 1.7655% | 3,969 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.5096% | 1,076 |
| Return on assets (ROA) | 1.5096% | 1,074 |
| Pretax return on assets | 2.0262% | 660 |
| Return on Equity (ROE) | 17.0600% | 748 |
| Retained earnings to average equity (ytd only) | 17.0642% | 269 |
| Net charge-offs to loans | 0.0196% | 1,608 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 205.9286% | 412 |
| Efficiency ratio | 46.5616% | 4,076 |
| Assets per employee ($millions) | 9.8709% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 1,290 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 48.0200% | 3,665 |
| Net loans and leases to deposits | 52.9947% | 3,759 |
| Net loans and leases to core deposits | 60.4812% | 3,676 |
| Total domestic deposits to total assets | 90.6200% | 625 |
| Equity capital to assets | 8.9863% | 2,938 |
| Core capital (leverage) ratio | 10.4809% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8166% | 782 |
| Memoranda: | ||
| Average total assets | $569,139,500 | 1,622 |
| Average earning assets | $547,918,500 | 1,571 |
| Average equity | $50,351,000 | 1,743 |
| Average total loans | $285,772,000 | 1,936 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0177% | 3,073 |
| Cost of funding earning assets | 1.3810% | 3,552 |
| Net interest margin | 3.6367% | 1,816 |
| Noninterest income to average assets | 0.2000% | 3,704 |
| Noninterest expense to average assets | 1.7843% | 3,975 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 1.4271% | 1,026 |
| Return on assets (ROA) | 1.4271% | 1,013 |
| Pretax return on assets | 1.8815% | 729 |
| Return on Equity (ROE) | 16.9400% | 675 |
| Retained earnings to average equity (ytd only) | 12.0522% | 291 |
| Net charge-offs to loans | 0.0028% | 2,890 |
| Credit loss provision to net charge-offs | 2,750.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 1,300.2500% | 94 |
| Efficiency ratio | 48.1404% | 4,079 |
| Assets per employee ($millions) | 9.4219% | 919 |
| Cash dividends to net income (ytd only)* | 28.8489% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3867% | 1,342 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 51.0700% | 3,575 |
| Net loans and leases to deposits | 56.1106% | 3,710 |
| Net loans and leases to core deposits | 63.9013% | 3,609 |
| Total domestic deposits to total assets | 91.0100% | 511 |
| Equity capital to assets | 8.7007% | 3,043 |
| Core capital (leverage) ratio | 10.1878% | 2,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2984% | 850 |
| Memoranda: | ||
| Average total assets | $541,166,000 | 1,677 |
| Average earning assets | $521,219,800 | 1,619 |
| Average equity | $45,593,400 | 1,826 |
| Average total loans | $281,389,000 | 1,924 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9544% | 3,105 |
| Cost of funding earning assets | 1.3737% | 3,553 |
| Net interest margin | 3.5807% | 1,873 |
| Noninterest income to average assets | 0.2100% | 3,632 |
| Noninterest expense to average assets | 1.7647% | 3,980 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 1.3857% | 1,124 |
| Return on assets (ROA) | 1.3857% | 1,124 |
| Pretax return on assets | 1.8600% | 797 |
| Return on Equity (ROE) | 16.5900% | 743 |
| Retained earnings to average equity (ytd only) | 16.5876% | 185 |
| Net charge-offs to loans | 0.0033% | 2,608 |
| Credit loss provision to net charge-offs | 2,285.7143% | 209 |
| Earnings coverage of net charge-offs (x) | 1,094.0000% | 106 |
| Efficiency ratio | 48.1587% | 4,083 |
| Assets per employee ($millions) | 9.2896% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 1,353 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 50.6400% | 3,606 |
| Net loans and leases to deposits | 55.9845% | 3,746 |
| Net loans and leases to core deposits | 63.2267% | 3,675 |
| Total domestic deposits to total assets | 90.4500% | 478 |
| Equity capital to assets | 9.2536% | 2,846 |
| Core capital (leverage) ratio | 10.4262% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9860% | 796 |
| Memoranda: | ||
| Average total assets | $537,483,750 | 1,681 |
| Average earning assets | $518,768,000 | 1,627 |
| Average equity | $44,900,000 | 1,846 |
| Average total loans | $279,765,750 | 1,926 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 3,140 |
| Cost of funding earning assets | 1.3517% | 3,542 |
| Net interest margin | 3.5336% | 1,898 |
| Noninterest income to average assets | 0.2100% | 3,620 |
| Noninterest expense to average assets | 1.7822% | 3,961 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.3365% | 1,199 |
| Return on assets (ROA) | 1.3365% | 1,210 |
| Pretax return on assets | 1.7938% | 854 |
| Return on Equity (ROE) | 16.6100% | 751 |
| Retained earnings to average equity (ytd only) | 16.6105% | 214 |
| Net charge-offs to loans | 0.0057% | 2,224 |
| Credit loss provision to net charge-offs | 1,250.0000% | 335 |
| Earnings coverage of net charge-offs (x) | 611.1250% | 201 |
| Efficiency ratio | 49.3210% | 4,049 |
| Assets per employee ($millions) | 9.3941% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 1,368 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 49.8600% | 3,647 |
| Net loans and leases to deposits | 54.4499% | 3,799 |
| Net loans and leases to core deposits | 61.4886% | 3,713 |
| Total domestic deposits to total assets | 91.5700% | 344 |
| Equity capital to assets | 8.1560% | 3,332 |
| Core capital (leverage) ratio | 10.1384% | 2,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4793% | 846 |
| Memoranda: | ||
| Average total assets | $533,949,000 | 1,685 |
| Average earning assets | $514,149,333 | 1,634 |
| Average equity | $42,960,667 | 1,873 |
| Average total loans | $279,198,667 | 1,919 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8023% | 3,148 |
| Cost of funding earning assets | 1.3257% | 3,517 |
| Net interest margin | 3.4766% | 1,941 |
| Noninterest income to average assets | 0.2200% | 3,505 |
| Noninterest expense to average assets | 1.7930% | 3,963 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 1.2988% | 1,234 |
| Return on assets (ROA) | 1.2988% | 1,245 |
| Pretax return on assets | 1.7438% | 904 |
| Return on Equity (ROE) | 16.2600% | 809 |
| Retained earnings to average equity (ytd only) | 16.2571% | 348 |
| Net charge-offs to loans | -0.0043% | 3,685 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 50.2652% | 4,009 |
| Assets per employee ($millions) | 9.1259% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 1,477 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 50.9800% | 3,552 |
| Net loans and leases to deposits | 55.6020% | 3,717 |
| Net loans and leases to core deposits | 62.1531% | 3,684 |
| Total domestic deposits to total assets | 91.6900% | 388 |
| Equity capital to assets | 7.9357% | 3,420 |
| Core capital (leverage) ratio | 10.0027% | 2,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8552% | 950 |
| Memoranda: | ||
| Average total assets | $528,493,500 | 1,704 |
| Average earning assets | $509,001,500 | 1,653 |
| Average equity | $42,221,500 | 1,885 |
| Average total loans | $281,033,500 | 1,910 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 3,195 |
| Cost of funding earning assets | 0.9372% | 3,445 |
| Net interest margin | 3.5094% | 2,161 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.8134% | 3,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3565% | 1,308 |
| Return on assets (ROA) | 1.3565% | 1,275 |
| Pretax return on assets | 1.7859% | 908 |
| Return on Equity (ROE) | 18.3400% | 775 |
| Retained earnings to average equity (ytd only) | 13.0089% | 504 |
| Net charge-offs to loans | 0.0129% | 2,170 |
| Credit loss provision to net charge-offs | -214.2857% | 4,504 |
| Earnings coverage of net charge-offs (x) | 262.3429% | 480 |
| Efficiency ratio | 50.3139% | 3,960 |
| Assets per employee ($millions) | 9.0975% | 953 |
| Cash dividends to net income (ytd only)* | 29.0870% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 1,641 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 53.9900% | 3,351 |
| Net loans and leases to deposits | 58.8658% | 3,588 |
| Net loans and leases to core deposits | 65.3913% | 3,523 |
| Total domestic deposits to total assets | 91.7200% | 352 |
| Equity capital to assets | 8.0444% | 3,381 |
| Core capital (leverage) ratio | 9.7236% | 3,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2110% | 1,045 |
| Memoranda: | ||
| Average total assets | $512,728,200 | 1,702 |
| Average earning assets | $494,216,000 | 1,654 |
| Average equity | $37,912,600 | 1,944 |
| Average total loans | $270,723,400 | 1,908 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3129% | 3,268 |
| Cost of funding earning assets | 0.8352% | 3,439 |
| Net interest margin | 3.4776% | 2,262 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 1.8289% | 3,930 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.2961% | 1,560 |
| Return on assets (ROA) | 1.2961% | 1,541 |
| Pretax return on assets | 1.7397% | 1,104 |
| Return on Equity (ROE) | 17.9300% | 958 |
| Retained earnings to average equity (ytd only) | 17.9279% | 343 |
| Net charge-offs to loans | -0.0005% | 3,439 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.1562% | 3,820 |
| Assets per employee ($millions) | 9.0157% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 1,409 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 52.3100% | 3,478 |
| Net loans and leases to deposits | 56.4801% | 3,688 |
| Net loans and leases to core deposits | 61.6792% | 3,626 |
| Total domestic deposits to total assets | 92.6100% | 363 |
| Equity capital to assets | 7.1616% | 3,535 |
| Core capital (leverage) ratio | 9.9217% | 2,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3590% | 1,046 |
| Memoranda: | ||
| Average total assets | $511,271,000 | 1,710 |
| Average earning assets | $492,620,250 | 1,655 |
| Average equity | $36,962,000 | 1,966 |
| Average total loans | $267,467,500 | 1,923 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 3,305 |
| Cost of funding earning assets | 0.7210% | 3,423 |
| Net interest margin | 3.4736% | 2,333 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.8502% | 3,906 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.2791% | 1,622 |
| Return on assets (ROA) | 1.2791% | 1,610 |
| Pretax return on assets | 1.7170% | 1,174 |
| Return on Equity (ROE) | 17.6400% | 994 |
| Retained earnings to average equity (ytd only) | 17.6360% | 360 |
| Net charge-offs to loans | -0.0008% | 3,419 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.7245% | 3,792 |
| Assets per employee ($millions) | 8.5196% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 1,362 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 52.9700% | 3,343 |
| Net loans and leases to deposits | 57.3719% | 3,568 |
| Net loans and leases to core deposits | 61.2646% | 3,568 |
| Total domestic deposits to total assets | 92.3300% | 356 |
| Equity capital to assets | 7.4822% | 3,531 |
| Core capital (leverage) ratio | 9.8473% | 2,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1160% | 1,107 |
| Memoranda: | ||
| Average total assets | $507,391,000 | 1,709 |
| Average earning assets | $489,296,333 | 1,662 |
| Average equity | $36,799,667 | 1,987 |
| Average total loans | $264,143,333 | 1,935 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0908% | 3,266 |
| Cost of funding earning assets | 0.5487% | 3,539 |
| Net interest margin | 3.5421% | 2,259 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.8534% | 3,945 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.3246% | 1,606 |
| Return on assets (ROA) | 1.3246% | 1,575 |
| Pretax return on assets | 1.7781% | 1,114 |
| Return on Equity (ROE) | 18.5500% | 957 |
| Retained earnings to average equity (ytd only) | 18.5523% | 473 |
| Net charge-offs to loans | -0.0015% | 3,377 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.7629% | 3,873 |
| Assets per employee ($millions) | 8.6875% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 1,293 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 50.4400% | 3,453 |
| Net loans and leases to deposits | 54.6420% | 3,644 |
| Net loans and leases to core deposits | 57.8155% | 3,638 |
| Total domestic deposits to total assets | 92.3000% | 447 |
| Equity capital to assets | 7.4116% | 3,610 |
| Core capital (leverage) ratio | 9.4007% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9267% | 1,163 |
| Memoranda: | ||
| Average total assets | $509,757,000 | 1,723 |
| Average earning assets | $492,814,000 | 1,672 |
| Average equity | $36,394,500 | 2,028 |
| Average total loans | $261,130,500 | 1,965 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3812% | 3,392 |
| Cost of funding earning assets | 0.1574% | 4,081 |
| Net interest margin | 3.2238% | 2,796 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.6964% | 4,189 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.2205% | 1,700 |
| Return on assets (ROA) | 1.2225% | 1,643 |
| Pretax return on assets | 1.6068% | 1,155 |
| Return on Equity (ROE) | 16.6100% | 939 |
| Retained earnings to average equity (ytd only) | 11.6825% | 735 |
| Net charge-offs to loans | -0.0079% | 3,745 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.7852% | 4,083 |
| Assets per employee ($millions) | 8.7405% | 997 |
| Cash dividends to net income (ytd only)* | 29.6766% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 1,215 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 50.4900% | 3,469 |
| Net loans and leases to deposits | 54.2777% | 3,667 |
| Net loans and leases to core deposits | 56.4883% | 3,700 |
| Total domestic deposits to total assets | 93.0100% | 406 |
| Equity capital to assets | 6.8646% | 3,735 |
| Core capital (leverage) ratio | 8.7956% | 3,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4363% | 1,254 |
| Memoranda: | ||
| Average total assets | $503,310,600 | 1,713 |
| Average earning assets | $486,686,400 | 1,662 |
| Average equity | $37,038,200 | 2,036 |
| Average total loans | $252,498,400 | 1,924 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1411% | 3,579 |
| Cost of funding earning assets | 0.0981% | 4,298 |
| Net interest margin | 3.0431% | 3,105 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.6924% | 4,162 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0819% | 2,167 |
| Return on assets (ROA) | 1.0846% | 2,127 |
| Pretax return on assets | 1.4559% | 1,536 |
| Return on Equity (ROE) | 14.4900% | 1,296 |
| Retained earnings to average equity (ytd only) | 14.4934% | 409 |
| Net charge-offs to loans | 0.0027% | 2,160 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 1,109.6000% | 131 |
| Efficiency ratio | 53.4759% | 3,869 |
| Assets per employee ($millions) | 8.9392% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 1,475 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 49.2600% | 3,512 |
| Net loans and leases to deposits | 52.7515% | 3,683 |
| Net loans and leases to core deposits | 54.2014% | 3,733 |
| Total domestic deposits to total assets | 93.3700% | 480 |
| Equity capital to assets | 6.5095% | 3,736 |
| Core capital (leverage) ratio | 8.9045% | 3,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4396% | 1,301 |
| Memoranda: | ||
| Average total assets | $502,400,500 | 1,721 |
| Average earning assets | $486,778,250 | 1,671 |
| Average equity | $37,597,750 | 2,041 |
| Average total loans | $250,666,000 | 1,937 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9266% | 3,727 |
| Cost of funding earning assets | 0.0618% | 4,513 |
| Net interest margin | 2.8648% | 3,258 |
| Noninterest income to average assets | 0.2173% | 3,896 |
| Noninterest expense to average assets | 1.6976% | 4,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9680% | 2,278 |
| Return on assets (ROA) | 0.9721% | 2,227 |
| Pretax return on assets | 1.3049% | 1,733 |
| Return on Equity (ROE) | 12.4279% | 1,541 |
| Retained earnings to average equity (ytd only) | 12.4279% | 541 |
| Net charge-offs to loans | 0.0032% | 1,941 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 807.5000% | 171 |
| Efficiency ratio | 56.6385% | 3,710 |
| Assets per employee ($millions) | 8.7782% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 1,636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 49.6070% | 3,414 |
| Net loans and leases to deposits | 53.4719% | 3,569 |
| Net loans and leases to core deposits | 55.1348% | 3,637 |
| Total domestic deposits to total assets | 92.7721% | 569 |
| Equity capital to assets | 7.1372% | 3,698 |
| Core capital (leverage) ratio | 8.8217% | 3,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2885% | 1,363 |
| Memoranda: | ||
| Average total assets | $497,043,000 | 1,733 |
| Average earning assets | $482,332,000 | 1,694 |
| Average equity | $38,880,333 | 2,047 |
| Average total loans | $247,850,000 | 1,949 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7967% | 3,752 |
| Cost of funding earning assets | 0.0671% | 4,480 |
| Net interest margin | 2.7296% | 3,343 |
| Noninterest income to average assets | 0.2167% | 3,859 |
| Noninterest expense to average assets | 1.6953% | 4,139 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8731% | 2,399 |
| Return on assets (ROA) | 0.8815% | 2,356 |
| Pretax return on assets | 1.1837% | 1,864 |
| Return on Equity (ROE) | 10.7792% | 1,692 |
| Retained earnings to average equity (ytd only) | 10.7792% | 824 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1025% | 3,574 |
| Assets per employee ($millions) | 8.8484% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 1,540 |
| Loan loss allowance to noncurrent loans | 367,000.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 4,137 |
| Noncurrent loans to loans | 0.0004% | 4,061 |
| Net loans and leases to total assets | 47.6920% | 3,416 |
| Net loans and leases to deposits | 51.6197% | 3,597 |
| Net loans and leases to core deposits | 53.3808% | 3,641 |
| Total domestic deposits to total assets | 92.3911% | 436 |
| Equity capital to assets | 7.5438% | 3,904 |
| Core capital (leverage) ratio | 8.8986% | 3,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6785% | 1,346 |
| Memoranda: | ||
| Average total assets | $490,996,500 | 1,761 |
| Average earning assets | $476,984,500 | 1,709 |
| Average equity | $40,151,500 | 2,049 |
| Average total loans | $243,658,500 | 1,967 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1820% | 3,513 |
| Cost of funding earning assets | 0.1257% | 4,182 |
| Net interest margin | 3.0563% | 3,030 |
| Noninterest income to average assets | 0.2066% | 4,132 |
| Noninterest expense to average assets | 1.7393% | 4,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0888% | 2,338 |
| Return on assets (ROA) | 1.0888% | 2,408 |
| Pretax return on assets | 1.4334% | 1,931 |
| Return on Equity (ROE) | 11.6597% | 1,927 |
| Retained earnings to average equity (ytd only) | 7.8722% | 1,593 |
| Net charge-offs to loans | -0.1150% | 4,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8206% | 3,842 |
| Assets per employee ($millions) | 8.3795% | 1,129 |
| Cash dividends to net income (ytd only)* | 32.4838% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 1,511 |
| Loan loss allowance to noncurrent loans | 367,000.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 4,220 |
| Noncurrent loans to loans | 0.0004% | 4,141 |
| Net loans and leases to total assets | 50.1300% | 3,256 |
| Net loans and leases to deposits | 55.0269% | 3,516 |
| Net loans and leases to core deposits | 57.2617% | 3,531 |
| Total domestic deposits to total assets | 91.1009% | 459 |
| Equity capital to assets | 8.8467% | 3,765 |
| Core capital (leverage) ratio | 8.8379% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7307% | 1,330 |
| Memoranda: | ||
| Average total assets | $454,090,800 | 1,824 |
| Average earning assets | $440,697,000 | 1,760 |
| Average equity | $42,402,600 | 1,999 |
| Average total loans | $240,090,400 | 1,991 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2838% | 3,430 |
| Cost of funding earning assets | 0.1380% | 4,209 |
| Net interest margin | 3.1458% | 2,916 |
| Noninterest income to average assets | 0.2029% | 4,186 |
| Noninterest expense to average assets | 1.7608% | 4,240 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1129% | 2,505 |
| Return on assets (ROA) | 1.1129% | 2,558 |
| Pretax return on assets | 1.4939% | 2,005 |
| Return on Equity (ROE) | 11.7529% | 2,132 |
| Retained earnings to average equity (ytd only) | 11.7529% | 891 |
| Net charge-offs to loans | -0.1538% | 4,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0993% | 3,800 |
| Assets per employee ($millions) | 8.2883% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 1,521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 49.1004% | 3,515 |
| Net loans and leases to deposits | 54.0633% | 3,733 |
| Net loans and leases to core deposits | 56.7958% | 3,716 |
| Total domestic deposits to total assets | 90.8202% | 427 |
| Equity capital to assets | 9.0687% | 3,769 |
| Core capital (leverage) ratio | 9.2094% | 3,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2609% | 1,295 |
| Memoranda: | ||
| Average total assets | $448,205,000 | 1,863 |
| Average earning assets | $434,811,750 | 1,808 |
| Average equity | $42,439,500 | 2,024 |
| Average total loans | $239,336,000 | 2,028 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4318% | 3,077 |
| Cost of funding earning assets | 0.1543% | 4,172 |
| Net interest margin | 3.2775% | 2,522 |
| Noninterest income to average assets | 0.2081% | 4,160 |
| Noninterest expense to average assets | 1.7957% | 4,193 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1834% | 2,248 |
| Return on assets (ROA) | 1.1834% | 2,315 |
| Pretax return on assets | 1.5886% | 1,770 |
| Return on Equity (ROE) | 12.3079% | 1,945 |
| Retained earnings to average equity (ytd only) | 12.3079% | 850 |
| Net charge-offs to loans | -0.2308% | 4,814 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0604% | 3,923 |
| Assets per employee ($millions) | 8.0608% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 1,557 |
| Loan loss allowance to noncurrent loans | 24,466.6667% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 3,873 |
| Noncurrent loans to loans | 0.0062% | 4,219 |
| Net loans and leases to total assets | 52.1043% | 3,331 |
| Net loans and leases to deposits | 57.5824% | 3,584 |
| Net loans and leases to core deposits | 60.7124% | 3,570 |
| Total domestic deposits to total assets | 90.4865% | 561 |
| Equity capital to assets | 9.3720% | 3,447 |
| Core capital (leverage) ratio | 9.4094% | 3,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1382% | 1,305 |
| Memoranda: | ||
| Average total assets | $437,367,000 | 1,889 |
| Average earning assets | $423,856,000 | 1,831 |
| Average equity | $42,054,333 | 2,028 |
| Average total loans | $239,213,000 | 2,036 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5480% | 2,789 |
| Cost of funding earning assets | 0.1760% | 4,111 |
| Net interest margin | 3.3720% | 2,181 |
| Noninterest income to average assets | 0.2439% | 3,934 |
| Noninterest expense to average assets | 1.8249% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2592% | 1,947 |
| Return on assets (ROA) | 1.2592% | 2,024 |
| Pretax return on assets | 1.6898% | 1,517 |
| Return on Equity (ROE) | 12.9191% | 1,692 |
| Retained earnings to average equity (ytd only) | 12.9191% | 929 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9221% | 4,000 |
| Assets per employee ($millions) | 7.8873% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 1,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 3,922 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 53.6286% | 3,276 |
| Net loans and leases to deposits | 59.3840% | 3,532 |
| Net loans and leases to core deposits | 62.4780% | 3,540 |
| Total domestic deposits to total assets | 90.3081% | 667 |
| Equity capital to assets | 9.4571% | 3,241 |
| Core capital (leverage) ratio | 9.6731% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0919% | 1,269 |
| Memoranda: | ||
| Average total assets | $426,318,000 | 1,916 |
| Average earning assets | $413,523,000 | 1,860 |
| Average equity | $41,551,000 | 2,035 |
| Average total loans | $237,284,000 | 2,049 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1830% | 2,188 |
| Cost of funding earning assets | 0.3495% | 3,872 |
| Net interest margin | 3.8336% | 1,411 |
| Noninterest income to average assets | 0.2357% | 4,089 |
| Noninterest expense to average assets | 1.9798% | 4,173 |
| Loan and lease loss provision to assets | 0.1327% | 2,700 |
| Net operating income to assets | 1.3666% | 1,091 |
| Return on assets (ROA) | 1.3666% | 1,182 |
| Pretax return on assets | 1.8070% | 675 |
| Return on Equity (ROE) | 13.0287% | 1,036 |
| Retained earnings to average equity (ytd only) | 9.4628% | 690 |
| Net charge-offs to loans | -0.0184% | 4,401 |
| Credit loss provision to net charge-offs | -1,162.7907% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5113% | 4,499 |
| Assets per employee ($millions) | 7.3384% | 1,373 |
| Cash dividends to net income (ytd only)* | 27.3699% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 1,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 4,002 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 56.1893% | 3,284 |
| Net loans and leases to deposits | 62.6151% | 3,561 |
| Net loans and leases to core deposits | 66.0811% | 3,534 |
| Total domestic deposits to total assets | 89.7376% | 662 |
| Equity capital to assets | 10.0575% | 3,078 |
| Core capital (leverage) ratio | 9.7209% | 2,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6248% | 1,372 |
| Memoranda: | ||
| Average total assets | $376,700,000 | 1,932 |
| Average earning assets | $361,988,200 | 1,898 |
| Average equity | $39,512,800 | 2,035 |
| Average total loans | $233,458,600 | 2,011 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2464% | 2,259 |
| Cost of funding earning assets | 0.3906% | 3,857 |
| Net interest margin | 3.8558% | 1,463 |
| Noninterest income to average assets | 0.2340% | 4,097 |
| Noninterest expense to average assets | 2.0209% | 4,108 |
| Loan and lease loss provision to assets | 0.1812% | 2,169 |
| Net operating income to assets | 1.2879% | 1,382 |
| Return on assets (ROA) | 1.2879% | 1,489 |
| Pretax return on assets | 1.7287% | 909 |
| Return on Equity (ROE) | 12.1388% | 1,332 |
| Retained earnings to average equity (ytd only) | 12.1388% | 408 |
| Net charge-offs to loans | -0.0011% | 3,825 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4144% | 4,386 |
| Assets per employee ($millions) | 7.3869% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 1,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 4,091 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 60.3413% | 3,188 |
| Net loans and leases to deposits | 67.5867% | 3,500 |
| Net loans and leases to core deposits | 71.6198% | 3,510 |
| Total domestic deposits to total assets | 89.2799% | 660 |
| Equity capital to assets | 10.1683% | 3,090 |
| Core capital (leverage) ratio | 9.9114% | 2,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7664% | 1,088 |
| Memoranda: | ||
| Average total assets | $368,138,000 | 1,949 |
| Average earning assets | $352,946,000 | 1,910 |
| Average equity | $39,058,250 | 2,043 |
| Average total loans | $233,247,500 | 2,013 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5242% | 1,849 |
| Cost of funding earning assets | 0.4396% | 3,847 |
| Net interest margin | 4.0846% | 1,149 |
| Noninterest income to average assets | 0.2397% | 4,045 |
| Noninterest expense to average assets | 2.0871% | 4,057 |
| Loan and lease loss provision to assets | 0.2814% | 1,529 |
| Net operating income to assets | 1.3241% | 1,297 |
| Return on assets (ROA) | 1.3241% | 1,396 |
| Pretax return on assets | 1.7770% | 848 |
| Return on Equity (ROE) | 12.2850% | 1,262 |
| Retained earnings to average equity (ytd only) | 12.2850% | 423 |
| Net charge-offs to loans | -0.0009% | 3,741 |
| Credit loss provision to net charge-offs | -50,000.0000% | 4,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3461% | 4,482 |
| Assets per employee ($millions) | 7.0635% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 1,868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 4,172 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 62.7370% | 3,042 |
| Net loans and leases to deposits | 70.3132% | 3,392 |
| Net loans and leases to core deposits | 74.7702% | 3,392 |
| Total domestic deposits to total assets | 89.2250% | 666 |
| Equity capital to assets | 10.1677% | 3,046 |
| Core capital (leverage) ratio | 10.0539% | 2,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1781% | 1,212 |
| Memoranda: | ||
| Average total assets | $355,423,333 | 1,980 |
| Average earning assets | $339,863,667 | 1,944 |
| Average equity | $38,307,000 | 2,063 |
| Average total loans | $228,160,333 | 2,024 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4173% | 2,557 |
| Cost of funding earning assets | 0.5187% | 3,853 |
| Net interest margin | 3.8985% | 1,678 |
| Noninterest income to average assets | 0.2696% | 3,923 |
| Noninterest expense to average assets | 2.2078% | 3,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3275% | 1,168 |
| Return on assets (ROA) | 1.3275% | 1,263 |
| Pretax return on assets | 1.7820% | 729 |
| Return on Equity (ROE) | 11.9194% | 1,125 |
| Retained earnings to average equity (ytd only) | 11.9194% | 433 |
| Net charge-offs to loans | -0.0037% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3363% | 4,275 |
| Assets per employee ($millions) | 6.1793% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 2,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 4,202 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 62.5438% | 3,244 |
| Net loans and leases to deposits | 70.7837% | 3,534 |
| Net loans and leases to core deposits | 76.2469% | 3,481 |
| Total domestic deposits to total assets | 88.3591% | 948 |
| Equity capital to assets | 11.2065% | 2,671 |
| Core capital (leverage) ratio | 10.7794% | 2,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0266% | 1,341 |
| Memoranda: | ||
| Average total assets | $335,357,000 | 2,018 |
| Average earning assets | $320,018,000 | 1,976 |
| Average equity | $37,351,000 | 2,100 |
| Average total loans | $216,484,500 | 2,072 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5492% | 2,781 |
| Cost of funding earning assets | 0.5891% | 3,683 |
| Net interest margin | 3.9601% | 1,971 |
| Noninterest income to average assets | 0.3114% | 3,831 |
| Noninterest expense to average assets | 2.2147% | 4,137 |
| Loan and lease loss provision to assets | 0.0311% | 3,392 |
| Net operating income to assets | 1.3854% | 1,392 |
| Return on assets (ROA) | 1.3871% | 1,464 |
| Pretax return on assets | 1.8414% | 853 |
| Return on Equity (ROE) | 13.1109% | 1,135 |
| Retained earnings to average equity (ytd only) | 9.4557% | 598 |
| Net charge-offs to loans | 0.0545% | 2,318 |
| Credit loss provision to net charge-offs | 89.2857% | 2,660 |
| Earnings coverage of net charge-offs (x) | 53.6339% | 1,069 |
| Efficiency ratio | 54.2149% | 4,402 |
| Assets per employee ($millions) | 6.1259% | 1,539 |
| Cash dividends to net income (ytd only)* | 27.8788% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 1,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 4,207 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 64.9385% | 3,076 |
| Net loans and leases to deposits | 73.1354% | 3,422 |
| Net loans and leases to core deposits | 78.7783% | 3,389 |
| Total domestic deposits to total assets | 88.7922% | 753 |
| Equity capital to assets | 11.0643% | 2,935 |
| Core capital (leverage) ratio | 10.6368% | 2,820 |
| Tier 1 risk-based capital ratio | 15.0746% | 2,756 |
| Total risk-based capital ratio | 16.3063% | 2,691 |
| Memoranda: | ||
| Average total assets | $321,169,600 | 2,032 |
| Average earning assets | $306,053,800 | 1,990 |
| Average equity | $33,979,400 | 2,186 |
| Average total loans | $205,344,800 | 2,127 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5192% | 2,995 |
| Cost of funding earning assets | 0.5952% | 3,722 |
| Net interest margin | 3.9240% | 2,177 |
| Noninterest income to average assets | 0.3243% | 3,804 |
| Noninterest expense to average assets | 2.2083% | 4,164 |
| Loan and lease loss provision to assets | 0.0416% | 3,070 |
| Net operating income to assets | 1.3504% | 1,641 |
| Return on assets (ROA) | 1.3504% | 1,710 |
| Pretax return on assets | 1.8125% | 1,059 |
| Return on Equity (ROE) | 12.9136% | 1,313 |
| Retained earnings to average equity (ytd only) | 12.9136% | 292 |
| Net charge-offs to loans | 0.0230% | 2,641 |
| Credit loss provision to net charge-offs | 285.7143% | 980 |
| Earnings coverage of net charge-offs (x) | 127.2449% | 620 |
| Efficiency ratio | 54.3601% | 4,354 |
| Assets per employee ($millions) | 6.1007% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 1,500 |
| Loan loss allowance to noncurrent loans | 3,753.8462% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 3,765 |
| Noncurrent loans to loans | 0.0378% | 4,487 |
| Net loans and leases to total assets | 61.6923% | 3,525 |
| Net loans and leases to deposits | 69.5413% | 3,794 |
| Net loans and leases to core deposits | 74.8222% | 3,777 |
| Total domestic deposits to total assets | 88.7132% | 736 |
| Equity capital to assets | 11.0273% | 3,079 |
| Core capital (leverage) ratio | 10.8514% | 2,784 |
| Tier 1 risk-based capital ratio | 15.4742% | 2,648 |
| Total risk-based capital ratio | 16.7249% | 2,585 |
| Memoranda: | ||
| Average total assets | $320,293,250 | 2,049 |
| Average earning assets | $305,120,500 | 2,000 |
| Average equity | $33,493,500 | 2,229 |
| Average total loans | $203,258,500 | 2,159 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5036% | 3,006 |
| Cost of funding earning assets | 0.5932% | 3,680 |
| Net interest margin | 3.9104% | 2,214 |
| Noninterest income to average assets | 0.2667% | 4,155 |
| Noninterest expense to average assets | 2.2286% | 4,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3157% | 1,719 |
| Return on assets (ROA) | 1.3157% | 1,775 |
| Pretax return on assets | 1.7658% | 1,133 |
| Return on Equity (ROE) | 12.8239% | 1,299 |
| Retained earnings to average equity (ytd only) | 12.8239% | 317 |
| Net charge-offs to loans | 0.0336% | 2,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 82.3824% | 797 |
| Efficiency ratio | 55.7923% | 4,272 |
| Assets per employee ($millions) | 6.1548% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 1,696 |
| Loan loss allowance to noncurrent loans | 3,450.0000% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 3,660 |
| Noncurrent loans to loans | 0.0400% | 4,511 |
| Net loans and leases to total assets | 62.0025% | 3,544 |
| Net loans and leases to deposits | 69.5172% | 3,878 |
| Net loans and leases to core deposits | 74.8705% | 3,827 |
| Total domestic deposits to total assets | 89.1903% | 594 |
| Equity capital to assets | 10.6424% | 3,394 |
| Core capital (leverage) ratio | 10.6728% | 2,911 |
| Tier 1 risk-based capital ratio | 15.1170% | 2,785 |
| Total risk-based capital ratio | 16.3671% | 2,710 |
| Memoranda: | ||
| Average total assets | $317,245,000 | 2,067 |
| Average earning assets | $302,427,670 | 2,022 |
| Average equity | $32,548,670 | 2,269 |
| Average total loans | $202,289,330 | 2,174 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4828% | 2,927 |
| Cost of funding earning assets | 0.5474% | 3,832 |
| Net interest margin | 3.9354% | 2,076 |
| Noninterest income to average assets | 0.2699% | 4,070 |
| Noninterest expense to average assets | 2.2432% | 4,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3250% | 1,613 |
| Return on assets (ROA) | 1.3250% | 1,656 |
| Pretax return on assets | 1.7777% | 1,023 |
| Return on Equity (ROE) | 13.1702% | 1,163 |
| Retained earnings to average equity (ytd only) | 13.1702% | 441 |
| Net charge-offs to loans | 0.0697% | 1,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 39.7143% | 1,159 |
| Efficiency ratio | 55.7888% | 4,361 |
| Assets per employee ($millions) | 6.0688% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 1,660 |
| Loan loss allowance to noncurrent loans | 579.5082% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 3,668 |
| Noncurrent loans to loans | 0.2425% | 3,694 |
| Net loans and leases to total assets | 61.6830% | 3,531 |
| Net loans and leases to deposits | 68.6866% | 3,868 |
| Net loans and leases to core deposits | 72.8289% | 3,882 |
| Total domestic deposits to total assets | 89.8034% | 527 |
| Equity capital to assets | 10.0691% | 3,753 |
| Core capital (leverage) ratio | 10.5982% | 2,943 |
| Tier 1 risk-based capital ratio | 15.0785% | 2,855 |
| Total risk-based capital ratio | 16.3291% | 2,767 |
| Memoranda: | ||
| Average total assets | $312,764,500 | 2,109 |
| Average earning assets | $298,117,500 | 2,059 |
| Average equity | $31,465,000 | 2,332 |
| Average total loans | $200,891,500 | 2,204 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3385% | 2,968 |
| Cost of funding earning assets | 0.3458% | 4,308 |
| Net interest margin | 3.9926% | 2,003 |
| Noninterest income to average assets | 0.2562% | 4,395 |
| Noninterest expense to average assets | 2.2606% | 4,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3626% | 1,561 |
| Return on assets (ROA) | 1.3634% | 1,545 |
| Pretax return on assets | 1.8022% | 909 |
| Return on Equity (ROE) | 14.4442% | 950 |
| Retained earnings to average equity (ytd only) | 10.8167% | 470 |
| Net charge-offs to loans | 0.1513% | 1,267 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 18.4463% | 2,132 |
| Efficiency ratio | 55.6551% | 4,449 |
| Assets per employee ($millions) | 5.7336% | 1,730 |
| Cash dividends to net income (ytd only)* | 25.1142% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 1,530 |
| Loan loss allowance to noncurrent loans | 948.0132% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 3,857 |
| Noncurrent loans to loans | 0.1506% | 4,067 |
| Net loans and leases to total assets | 65.0551% | 3,247 |
| Net loans and leases to deposits | 72.8408% | 3,599 |
| Net loans and leases to core deposits | 77.0766% | 3,638 |
| Total domestic deposits to total assets | 89.3113% | 728 |
| Equity capital to assets | 10.0510% | 3,631 |
| Core capital (leverage) ratio | 10.3845% | 3,158 |
| Tier 1 risk-based capital ratio | 14.7145% | 2,961 |
| Total risk-based capital ratio | 15.9657% | 2,886 |
| Memoranda: | ||
| Average total assets | $305,190,800 | 2,123 |
| Average earning assets | $290,884,600 | 2,070 |
| Average equity | $28,807,400 | 2,408 |
| Average total loans | $196,923,200 | 2,194 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 3,082 |
| Cost of funding earning assets | 0.3351% | 4,278 |
| Net interest margin | 3.9318% | 2,189 |
| Noninterest income to average assets | 0.2579% | 4,430 |
| Noninterest expense to average assets | 2.2409% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3151% | 1,801 |
| Return on assets (ROA) | 1.3158% | 1,801 |
| Pretax return on assets | 1.7661% | 1,098 |
| Return on Equity (ROE) | 14.1678% | 1,073 |
| Retained earnings to average equity (ytd only) | 14.1678% | 233 |
| Net charge-offs to loans | 0.2054% | 823 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 13.3939% | 2,367 |
| Efficiency ratio | 55.9368% | 4,397 |
| Assets per employee ($millions) | 5.7688% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 1,542 |
| Loan loss allowance to noncurrent loans | 1,466.1538% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 4,177 |
| Noncurrent loans to loans | 0.0985% | 4,450 |
| Net loans and leases to total assets | 63.8257% | 3,447 |
| Net loans and leases to deposits | 70.6844% | 3,867 |
| Net loans and leases to core deposits | 74.4214% | 3,919 |
| Total domestic deposits to total assets | 90.2968% | 413 |
| Equity capital to assets | 9.5334% | 4,043 |
| Core capital (leverage) ratio | 10.4081% | 3,177 |
| Tier 1 risk-based capital ratio | 14.6712% | 3,032 |
| Total risk-based capital ratio | 15.9222% | 2,960 |
| Memoranda: | ||
| Average total assets | $305,518,250 | 2,127 |
| Average earning assets | $291,259,250 | 2,083 |
| Average equity | $28,373,500 | 2,441 |
| Average total loans | $196,015,750 | 2,210 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1703% | 3,206 |
| Cost of funding earning assets | 0.3264% | 4,228 |
| Net interest margin | 3.8439% | 2,404 |
| Noninterest income to average assets | 0.2567% | 4,475 |
| Noninterest expense to average assets | 2.2014% | 4,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2850% | 1,841 |
| Return on assets (ROA) | 1.2860% | 1,836 |
| Pretax return on assets | 1.7267% | 1,152 |
| Return on Equity (ROE) | 13.9710% | 1,081 |
| Retained earnings to average equity (ytd only) | 13.9710% | 282 |
| Net charge-offs to loans | 0.3133% | 511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.6111% | 2,455 |
| Efficiency ratio | 56.0614% | 4,468 |
| Assets per employee ($millions) | 6.0370% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 1,541 |
| Loan loss allowance to noncurrent loans | 1,413.3663% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 4,207 |
| Noncurrent loans to loans | 0.1029% | 4,453 |
| Net loans and leases to total assets | 62.8115% | 3,521 |
| Net loans and leases to deposits | 69.5186% | 3,900 |
| Net loans and leases to core deposits | 72.9470% | 3,946 |
| Total domestic deposits to total assets | 90.3520% | 448 |
| Equity capital to assets | 9.2774% | 4,308 |
| Core capital (leverage) ratio | 10.1247% | 3,455 |
| Tier 1 risk-based capital ratio | 14.4566% | 3,137 |
| Total risk-based capital ratio | 15.7080% | 3,046 |
| Memoranda: | ||
| Average total assets | $305,442,670 | 2,138 |
| Average earning assets | $291,632,000 | 2,090 |
| Average equity | $28,115,330 | 2,469 |
| Average total loans | $195,353,330 | 2,223 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1206% | 3,162 |
| Cost of funding earning assets | 0.2720% | 4,563 |
| Net interest margin | 3.8485% | 2,232 |
| Noninterest income to average assets | 0.2735% | 4,342 |
| Noninterest expense to average assets | 2.1616% | 4,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3364% | 1,519 |
| Return on assets (ROA) | 1.3385% | 1,532 |
| Pretax return on assets | 1.7974% | 914 |
| Return on Equity (ROE) | 14.5997% | 876 |
| Retained earnings to average equity (ytd only) | 14.5997% | 353 |
| Net charge-offs to loans | 0.0082% | 2,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 341.2500% | 198 |
| Efficiency ratio | 54.6361% | 4,723 |
| Assets per employee ($millions) | 5.8699% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 1,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 4,631 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 62.8420% | 3,440 |
| Net loans and leases to deposits | 69.6220% | 3,818 |
| Net loans and leases to core deposits | 73.1489% | 3,871 |
| Total domestic deposits to total assets | 90.2617% | 557 |
| Equity capital to assets | 9.1676% | 4,396 |
| Core capital (leverage) ratio | 9.9737% | 3,561 |
| Tier 1 risk-based capital ratio | 14.1557% | 3,302 |
| Total risk-based capital ratio | 15.4086% | 3,222 |
| Memoranda: | ||
| Average total assets | $304,220,000 | 2,168 |
| Average earning assets | $291,123,500 | 2,118 |
| Average equity | $27,891,000 | 2,503 |
| Average total loans | $194,908,000 | 2,233 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0672% | 3,179 |
| Cost of funding earning assets | 0.2047% | 4,906 |
| Net interest margin | 3.8626% | 2,218 |
| Noninterest income to average assets | 0.2395% | 4,702 |
| Noninterest expense to average assets | 2.1541% | 4,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0199% | 2,156 |
| Return on assets (ROA) | 1.0226% | 2,179 |
| Pretax return on assets | 1.7704% | 859 |
| Return on Equity (ROE) | 11.2391% | 1,400 |
| Retained earnings to average equity (ytd only) | 8.1632% | 707 |
| Net charge-offs to loans | -0.1737% | 5,498 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9497% | 4,864 |
| Assets per employee ($millions) | 6.0641% | 1,476 |
| Cash dividends to net income (ytd only)* | 27.3677% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 1,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 4,655 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 63.2187% | 3,461 |
| Net loans and leases to deposits | 70.6408% | 3,820 |
| Net loans and leases to core deposits | 74.3385% | 3,855 |
| Total domestic deposits to total assets | 89.4932% | 781 |
| Equity capital to assets | 9.1684% | 4,560 |
| Core capital (leverage) ratio | 9.5451% | 3,985 |
| Tier 1 risk-based capital ratio | 13.6695% | 3,537 |
| Total risk-based capital ratio | 14.9224% | 3,445 |
| Memoranda: | ||
| Average total assets | $299,422,800 | 2,170 |
| Average earning assets | $285,328,200 | 2,128 |
| Average equity | $27,244,200 | 2,530 |
| Average total loans | $189,454,200 | 2,247 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 3,341 |
| Cost of funding earning assets | 0.2036% | 4,948 |
| Net interest margin | 3.8007% | 2,398 |
| Noninterest income to average assets | 0.2426% | 4,753 |
| Noninterest expense to average assets | 2.1616% | 4,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0579% | 2,294 |
| Return on assets (ROA) | 1.0614% | 2,311 |
| Pretax return on assets | 1.7051% | 1,111 |
| Return on Equity (ROE) | 11.6874% | 1,430 |
| Retained earnings to average equity (ytd only) | 11.6874% | 320 |
| Net charge-offs to loans | -0.1857% | 5,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9810% | 4,741 |
| Assets per employee ($millions) | 6.1987% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 1,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 4,773 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 64.1853% | 3,370 |
| Net loans and leases to deposits | 71.2079% | 3,852 |
| Net loans and leases to core deposits | 74.6474% | 3,923 |
| Total domestic deposits to total assets | 90.1379% | 427 |
| Equity capital to assets | 9.3706% | 4,573 |
| Core capital (leverage) ratio | 9.6924% | 3,950 |
| Tier 1 risk-based capital ratio | 13.5478% | 3,674 |
| Total risk-based capital ratio | 14.8006% | 3,586 |
| Memoranda: | ||
| Average total assets | $298,477,750 | 2,191 |
| Average earning assets | $284,183,250 | 2,145 |
| Average equity | $27,105,500 | 2,556 |
| Average total loans | $188,107,250 | 2,269 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9565% | 3,360 |
| Cost of funding earning assets | 0.2041% | 4,933 |
| Net interest margin | 3.7523% | 2,460 |
| Noninterest income to average assets | 0.2426% | 4,790 |
| Noninterest expense to average assets | 2.1744% | 4,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0187% | 2,340 |
| Return on assets (ROA) | 1.0238% | 2,360 |
| Pretax return on assets | 1.6446% | 1,211 |
| Return on Equity (ROE) | 11.3982% | 1,498 |
| Retained earnings to average equity (ytd only) | 11.3982% | 383 |
| Net charge-offs to loans | -0.2803% | 5,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0570% | 4,701 |
| Assets per employee ($millions) | 6.0917% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 1,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 4,812 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 62.7575% | 3,539 |
| Net loans and leases to deposits | 69.5151% | 3,948 |
| Net loans and leases to core deposits | 73.4381% | 3,988 |
| Total domestic deposits to total assets | 90.2789% | 431 |
| Equity capital to assets | 9.2447% | 4,677 |
| Core capital (leverage) ratio | 9.4987% | 4,132 |
| Tier 1 risk-based capital ratio | 13.7338% | 3,569 |
| Total risk-based capital ratio | 14.9875% | 3,485 |
| Memoranda: | ||
| Average total assets | $296,724,330 | 2,208 |
| Average earning assets | $282,171,000 | 2,165 |
| Average equity | $26,653,330 | 2,586 |
| Average total loans | $184,793,330 | 2,308 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 3,491 |
| Cost of funding earning assets | 0.2049% | 4,934 |
| Net interest margin | 3.6684% | 2,613 |
| Noninterest income to average assets | 0.2501% | 4,743 |
| Noninterest expense to average assets | 2.2012% | 4,640 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9559% | 2,500 |
| Return on assets (ROA) | 0.9559% | 2,560 |
| Pretax return on assets | 1.5346% | 1,430 |
| Return on Equity (ROE) | 10.8011% | 1,643 |
| Retained earnings to average equity (ytd only) | 10.8011% | 647 |
| Net charge-offs to loans | -0.4396% | 5,730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9215% | 4,601 |
| Assets per employee ($millions) | 6.1490% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6493% | 1,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 4,897 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 60.0083% | 3,787 |
| Net loans and leases to deposits | 66.2255% | 4,155 |
| Net loans and leases to core deposits | 70.0933% | 4,144 |
| Total domestic deposits to total assets | 90.6120% | 423 |
| Equity capital to assets | 8.8204% | 4,982 |
| Core capital (leverage) ratio | 9.3543% | 4,272 |
| Tier 1 risk-based capital ratio | 13.5321% | 3,759 |
| Total risk-based capital ratio | 14.7856% | 3,664 |
| Memoranda: | ||
| Average total assets | $295,839,000 | 2,230 |
| Average earning assets | $281,100,500 | 2,185 |
| Average equity | $26,182,500 | 2,626 |
| Average total loans | $181,980,500 | 2,344 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9244% | 3,482 |
| Cost of funding earning assets | 0.2532% | 4,536 |
| Net interest margin | 3.6712% | 2,814 |
| Noninterest income to average assets | 0.2396% | 4,989 |
| Noninterest expense to average assets | 2.2096% | 4,753 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9653% | 2,510 |
| Return on assets (ROA) | 0.9825% | 2,528 |
| Pretax return on assets | 1.5566% | 1,413 |
| Return on Equity (ROE) | 10.7024% | 1,690 |
| Retained earnings to average equity (ytd only) | 8.2928% | 762 |
| Net charge-offs to loans | -0.4414% | 5,825 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0913% | 4,716 |
| Assets per employee ($millions) | 5.9261% | 1,533 |
| Cash dividends to net income (ytd only)* | 22.5144% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 1,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 4,934 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 61.0556% | 3,718 |
| Net loans and leases to deposits | 67.3520% | 4,141 |
| Net loans and leases to core deposits | 71.9182% | 4,088 |
| Total domestic deposits to total assets | 90.6515% | 402 |
| Equity capital to assets | 8.8812% | 4,934 |
| Core capital (leverage) ratio | 9.0258% | 4,712 |
| Tier 1 risk-based capital ratio | 13.5756% | 3,722 |
| Total risk-based capital ratio | 14.8283% | 3,626 |
| Memoranda: | ||
| Average total assets | $282,544,600 | 2,270 |
| Average earning assets | $269,342,600 | 2,217 |
| Average equity | $25,938,200 | 2,639 |
| Average total loans | $174,457,800 | 2,368 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8987% | 3,585 |
| Cost of funding earning assets | 0.2625% | 4,473 |
| Net interest margin | 3.6362% | 2,938 |
| Noninterest income to average assets | 0.2480% | 4,985 |
| Noninterest expense to average assets | 2.2324% | 4,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9232% | 2,791 |
| Return on assets (ROA) | 0.9409% | 2,829 |
| Pretax return on assets | 1.5116% | 1,678 |
| Return on Equity (ROE) | 10.1632% | 1,988 |
| Retained earnings to average equity (ytd only) | 10.1632% | 546 |
| Net charge-offs to loans | -0.5910% | 5,898 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0690% | 4,530 |
| Assets per employee ($millions) | 5.9907% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5577% | 1,594 |
| Loan loss allowance to noncurrent loans | 3,772.0000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 4,943 |
| Noncurrent loans to loans | 0.0413% | 5,196 |
| Net loans and leases to total assets | 60.9044% | 3,754 |
| Net loans and leases to deposits | 67.5404% | 4,199 |
| Net loans and leases to core deposits | 72.3223% | 4,137 |
| Total domestic deposits to total assets | 90.1748% | 414 |
| Equity capital to assets | 9.2549% | 4,914 |
| Core capital (leverage) ratio | 9.1716% | 4,635 |
| Tier 1 risk-based capital ratio | 13.4175% | 3,908 |
| Total risk-based capital ratio | 14.6701% | 3,817 |
| Memoranda: | ||
| Average total assets | $280,586,250 | 2,288 |
| Average earning assets | $267,637,750 | 2,234 |
| Average equity | $25,975,500 | 2,661 |
| Average total loans | $173,041,250 | 2,387 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 3,551 |
| Cost of funding earning assets | 0.2786% | 4,364 |
| Net interest margin | 3.6383% | 2,938 |
| Noninterest income to average assets | 0.2505% | 4,979 |
| Noninterest expense to average assets | 2.2688% | 4,686 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9030% | 2,849 |
| Return on assets (ROA) | 0.9085% | 2,954 |
| Pretax return on assets | 1.4595% | 1,808 |
| Return on Equity (ROE) | 9.8130% | 2,131 |
| Retained earnings to average equity (ytd only) | 9.8130% | 638 |
| Net charge-offs to loans | -0.5206% | 5,945 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9965% | 4,516 |
| Assets per employee ($millions) | 5.8476% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 2,235 |
| Loan loss allowance to noncurrent loans | 3,385.1351% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 5,013 |
| Noncurrent loans to loans | 0.0417% | 5,299 |
| Net loans and leases to total assets | 61.0220% | 3,747 |
| Net loans and leases to deposits | 67.7765% | 4,198 |
| Net loans and leases to core deposits | 72.3049% | 4,145 |
| Total domestic deposits to total assets | 90.0342% | 476 |
| Equity capital to assets | 9.3334% | 4,938 |
| Core capital (leverage) ratio | 9.2242% | 4,558 |
| Tier 1 risk-based capital ratio | 13.7020% | 3,769 |
| Total risk-based capital ratio | 14.9535% | 3,696 |
| Memoranda: | ||
| Average total assets | $276,267,670 | 2,326 |
| Average earning assets | $263,422,000 | 2,274 |
| Average equity | $25,578,330 | 2,700 |
| Average total loans | $170,204,000 | 2,410 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9192% | 3,515 |
| Cost of funding earning assets | 0.2990% | 4,172 |
| Net interest margin | 3.6202% | 3,005 |
| Noninterest income to average assets | 0.2405% | 5,019 |
| Noninterest expense to average assets | 2.2439% | 4,795 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8994% | 2,758 |
| Return on assets (ROA) | 0.8984% | 2,891 |
| Pretax return on assets | 1.4428% | 1,768 |
| Return on Equity (ROE) | 9.7456% | 2,096 |
| Retained earnings to average equity (ytd only) | 9.7456% | 911 |
| Net charge-offs to loans | -0.4393% | 5,981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8400% | 4,626 |
| Assets per employee ($millions) | 5.7046% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 2,770 |
| Loan loss allowance to noncurrent loans | 1,952.1739% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 4,918 |
| Noncurrent loans to loans | 0.0680% | 5,205 |
| Net loans and leases to total assets | 59.7113% | 3,817 |
| Net loans and leases to deposits | 66.4234% | 4,217 |
| Net loans and leases to core deposits | 70.4066% | 4,215 |
| Total domestic deposits to total assets | 89.8950% | 640 |
| Equity capital to assets | 9.2074% | 4,981 |
| Core capital (leverage) ratio | 9.3241% | 4,463 |
| Tier 1 risk-based capital ratio | 13.5578% | 3,948 |
| Total risk-based capital ratio | 14.7940% | 3,882 |
| Memoranda: | ||
| Average total assets | $271,136,000 | 2,374 |
| Average earning assets | $258,215,500 | 2,322 |
| Average equity | $24,996,000 | 2,745 |
| Average total loans | $166,630,000 | 2,447 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 3,164 |
| Cost of funding earning assets | 0.3601% | 3,582 |
| Net interest margin | 3.6768% | 2,845 |
| Noninterest income to average assets | 0.2417% | 5,151 |
| Noninterest expense to average assets | 2.4985% | 4,226 |
| Loan and lease loss provision to assets | -0.2014% | 5,985 |
| Net operating income to assets | 0.9155% | 2,785 |
| Return on assets (ROA) | 0.9153% | 2,872 |
| Pretax return on assets | 1.4326% | 1,780 |
| Return on Equity (ROE) | 9.6665% | 2,147 |
| Retained earnings to average equity (ytd only) | 8.8156% | 701 |
| Net charge-offs to loans | -0.0255% | 5,346 |
| Credit loss provision to net charge-offs | 1,250.0000% | 265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9835% | 3,751 |
| Assets per employee ($millions) | 5.2549% | 2,053 |
| Cash dividends to net income (ytd only)* | 8.8028% | 4,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 3,127 |
| Loan loss allowance to noncurrent loans | 1,249.6970% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 4,922 |
| Noncurrent loans to loans | 0.1005% | 5,098 |
| Net loans and leases to total assets | 61.6734% | 3,610 |
| Net loans and leases to deposits | 68.6393% | 4,065 |
| Net loans and leases to core deposits | 72.8616% | 4,052 |
| Total domestic deposits to total assets | 89.8515% | 694 |
| Equity capital to assets | 9.2313% | 4,862 |
| Core capital (leverage) ratio | 9.4668% | 4,227 |
| Tier 1 risk-based capital ratio | 13.7894% | 3,831 |
| Total risk-based capital ratio | 14.9754% | 3,804 |
| Memoranda: | ||
| Average total assets | $248,228,200 | 2,521 |
| Average earning assets | $235,500,600 | 2,458 |
| Average equity | $23,503,800 | 2,832 |
| Average total loans | $156,875,600 | 2,505 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0408% | 3,169 |
| Cost of funding earning assets | 0.3742% | 3,499 |
| Net interest margin | 3.6666% | 2,903 |
| Noninterest income to average assets | 0.2518% | 5,136 |
| Noninterest expense to average assets | 2.4873% | 4,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7728% | 3,569 |
| Return on assets (ROA) | 0.7724% | 3,661 |
| Pretax return on assets | 1.2406% | 2,647 |
| Return on Equity (ROE) | 8.1030% | 3,025 |
| Retained earnings to average equity (ytd only) | 8.1030% | 1,212 |
| Net charge-offs to loans | -0.0284% | 5,333 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7105% | 3,763 |
| Assets per employee ($millions) | 5.0696% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6063% | 1,771 |
| Loan loss allowance to noncurrent loans | 1,150.9009% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 4,958 |
| Noncurrent loans to loans | 0.1396% | 5,073 |
| Net loans and leases to total assets | 60.5308% | 3,804 |
| Net loans and leases to deposits | 67.5505% | 4,234 |
| Net loans and leases to core deposits | 72.1711% | 4,176 |
| Total domestic deposits to total assets | 89.6082% | 729 |
| Equity capital to assets | 9.3846% | 4,902 |
| Core capital (leverage) ratio | 9.4589% | 4,354 |
| Tier 1 risk-based capital ratio | 13.9134% | 3,898 |
| Total risk-based capital ratio | 15.1664% | 3,838 |
| Memoranda: | ||
| Average total assets | $244,598,500 | 2,562 |
| Average earning assets | $231,928,250 | 2,509 |
| Average equity | $23,316,000 | 2,877 |
| Average total loans | $155,067,750 | 2,546 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0607% | 3,044 |
| Cost of funding earning assets | 0.4025% | 3,252 |
| Net interest margin | 3.6582% | 2,882 |
| Noninterest income to average assets | 0.2592% | 5,099 |
| Noninterest expense to average assets | 2.4855% | 4,286 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7690% | 3,541 |
| Return on assets (ROA) | 0.7685% | 3,645 |
| Pretax return on assets | 1.2344% | 2,629 |
| Return on Equity (ROE) | 8.0174% | 3,042 |
| Retained earnings to average equity (ytd only) | 8.0174% | 1,261 |
| Net charge-offs to loans | -0.0598% | 5,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8011% | 3,865 |
| Assets per employee ($millions) | 4.8682% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 1,717 |
| Loan loss allowance to noncurrent loans | 759.7633% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 4,837 |
| Noncurrent loans to loans | 0.2183% | 4,904 |
| Net loans and leases to total assets | 62.5490% | 3,469 |
| Net loans and leases to deposits | 70.7173% | 3,851 |
| Net loans and leases to core deposits | 75.7832% | 3,790 |
| Total domestic deposits to total assets | 88.4495% | 1,425 |
| Equity capital to assets | 9.5867% | 4,548 |
| Core capital (leverage) ratio | 9.6584% | 4,061 |
| Tier 1 risk-based capital ratio | 14.2698% | 3,781 |
| Total risk-based capital ratio | 15.5237% | 3,705 |
| Memoranda: | ||
| Average total assets | $239,947,670 | 2,612 |
| Average earning assets | $227,054,000 | 2,570 |
| Average equity | $23,000,000 | 2,911 |
| Average total loans | $153,737,670 | 2,573 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 3,062 |
| Cost of funding earning assets | 0.4028% | 3,272 |
| Net interest margin | 3.6444% | 2,836 |
| Noninterest income to average assets | 0.2670% | 5,042 |
| Noninterest expense to average assets | 2.4331% | 4,501 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7987% | 3,268 |
| Return on assets (ROA) | 0.7976% | 3,399 |
| Pretax return on assets | 1.2812% | 2,351 |
| Return on Equity (ROE) | 8.3215% | 2,798 |
| Retained earnings to average equity (ytd only) | 8.3215% | 1,448 |
| Net charge-offs to loans | 0.0026% | 3,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 764.0000% | 57 |
| Efficiency ratio | 65.4767% | 4,244 |
| Assets per employee ($millions) | 5.2111% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 1,907 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 5,481 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 61.5811% | 3,435 |
| Net loans and leases to deposits | 70.0391% | 3,744 |
| Net loans and leases to core deposits | 75.1630% | 3,670 |
| Total domestic deposits to total assets | 87.9239% | 1,874 |
| Equity capital to assets | 9.4965% | 4,758 |
| Core capital (leverage) ratio | 9.6465% | 4,084 |
| Tier 1 risk-based capital ratio | 13.8904% | 4,093 |
| Total risk-based capital ratio | 15.1436% | 4,017 |
| Memoranda: | ||
| Average total assets | $238,217,000 | 2,648 |
| Average earning assets | $225,440,000 | 2,591 |
| Average equity | $22,832,500 | 2,944 |
| Average total loans | $153,197,500 | 2,578 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 2,558 |
| Cost of funding earning assets | 0.4398% | 3,276 |
| Net interest margin | 3.8733% | 2,344 |
| Noninterest income to average assets | 0.2386% | 5,423 |
| Noninterest expense to average assets | 2.4757% | 4,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9171% | 2,792 |
| Return on assets (ROA) | 0.9232% | 2,857 |
| Pretax return on assets | 1.4047% | 1,869 |
| Return on Equity (ROE) | 9.8364% | 2,185 |
| Retained earnings to average equity (ytd only) | 5.7009% | 2,130 |
| Net charge-offs to loans | 0.2277% | 1,849 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 9.3615% | 2,759 |
| Efficiency ratio | 63.9497% | 4,594 |
| Assets per employee ($millions) | 5.1447% | 2,129 |
| Cash dividends to net income (ytd only)* | 42.0433% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 1,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 5,530 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 65.0188% | 3,043 |
| Net loans and leases to deposits | 74.1220% | 3,420 |
| Net loans and leases to core deposits | 79.9396% | 3,303 |
| Total domestic deposits to total assets | 87.7186% | 1,914 |
| Equity capital to assets | 9.6781% | 4,496 |
| Core capital (leverage) ratio | 9.4756% | 4,279 |
| Tier 1 risk-based capital ratio | 13.8571% | 4,206 |
| Total risk-based capital ratio | 15.1109% | 4,135 |
| Memoranda: | ||
| Average total assets | $230,078,200 | 2,698 |
| Average earning assets | $215,786,000 | 2,654 |
| Average equity | $21,593,200 | 2,989 |
| Average total loans | $150,632,200 | 2,560 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3085% | 2,595 |
| Cost of funding earning assets | 0.4418% | 3,349 |
| Net interest margin | 3.8667% | 2,367 |
| Noninterest income to average assets | 0.2606% | 5,348 |
| Noninterest expense to average assets | 2.4389% | 4,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8954% | 2,931 |
| Return on assets (ROA) | 0.8950% | 3,032 |
| Pretax return on assets | 1.4377% | 1,860 |
| Return on Equity (ROE) | 9.6117% | 2,397 |
| Retained earnings to average equity (ytd only) | 9.6117% | 806 |
| Net charge-offs to loans | 0.1973% | 1,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 11.1623% | 2,459 |
| Efficiency ratio | 62.9042% | 4,750 |
| Assets per employee ($millions) | 5.3428% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7118% | 1,929 |
| Loan loss allowance to noncurrent loans | 1,229.3023% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 5,137 |
| Noncurrent loans to loans | 0.1392% | 5,507 |
| Net loans and leases to total assets | 64.5542% | 3,101 |
| Net loans and leases to deposits | 74.4687% | 3,379 |
| Net loans and leases to core deposits | 80.5773% | 3,244 |
| Total domestic deposits to total assets | 86.6864% | 2,485 |
| Equity capital to assets | 9.5273% | 4,767 |
| Core capital (leverage) ratio | 9.9060% | 3,809 |
| Tier 1 risk-based capital ratio | 13.7674% | 4,378 |
| Total risk-based capital ratio | 15.0221% | 4,307 |
| Memoranda: | ||
| Average total assets | $229,719,500 | 2,722 |
| Average earning assets | $214,854,250 | 2,681 |
| Average equity | $21,390,000 | 3,017 |
| Average total loans | $150,028,000 | 2,573 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 2,584 |
| Cost of funding earning assets | 0.4449% | 3,388 |
| Net interest margin | 3.8545% | 2,364 |
| Noninterest income to average assets | 0.2808% | 5,180 |
| Noninterest expense to average assets | 2.4332% | 4,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8982% | 2,821 |
| Return on assets (ROA) | 0.8976% | 2,917 |
| Pretax return on assets | 1.4425% | 1,742 |
| Return on Equity (ROE) | 9.7177% | 2,277 |
| Retained earnings to average equity (ytd only) | 9.7177% | 786 |
| Net charge-offs to loans | 0.2087% | 1,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 10.6129% | 2,234 |
| Efficiency ratio | 62.7660% | 4,896 |
| Assets per employee ($millions) | 5.2022% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7716% | 1,917 |
| Loan loss allowance to noncurrent loans | 3,387.5000% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 4,722 |
| Noncurrent loans to loans | 0.0523% | 5,886 |
| Net loans and leases to total assets | 64.1845% | 3,049 |
| Net loans and leases to deposits | 73.8511% | 3,337 |
| Net loans and leases to core deposits | 79.9294% | 3,223 |
| Total domestic deposits to total assets | 86.9107% | 2,503 |
| Equity capital to assets | 9.3610% | 4,895 |
| Core capital (leverage) ratio | 9.6736% | 4,079 |
| Tier 1 risk-based capital ratio | 13.5964% | 4,530 |
| Total risk-based capital ratio | 14.8515% | 4,463 |
| Memoranda: | ||
| Average total assets | $227,931,670 | 2,748 |
| Average earning assets | $212,637,330 | 2,707 |
| Average equity | $21,054,330 | 3,044 |
| Average total loans | $148,571,000 | 2,596 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3022% | 2,509 |
| Cost of funding earning assets | 0.4526% | 3,400 |
| Net interest margin | 3.8497% | 2,270 |
| Noninterest income to average assets | 0.3006% | 4,951 |
| Noninterest expense to average assets | 2.4052% | 4,914 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9227% | 2,541 |
| Return on assets (ROA) | 0.9215% | 2,618 |
| Pretax return on assets | 1.4801% | 1,488 |
| Return on Equity (ROE) | 10.0463% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.0463% | 950 |
| Net charge-offs to loans | 0.0765% | 2,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 29.7500% | 1,059 |
| Efficiency ratio | 61.8764% | 5,142 |
| Assets per employee ($millions) | 5.3884% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9206% | 1,695 |
| Loan loss allowance to noncurrent loans | 903.5032% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 5,243 |
| Noncurrent loans to loans | 0.2126% | 5,456 |
| Net loans and leases to total assets | 64.0177% | 2,885 |
| Net loans and leases to deposits | 73.4452% | 3,134 |
| Net loans and leases to core deposits | 79.3499% | 3,056 |
| Total domestic deposits to total assets | 87.1639% | 2,722 |
| Equity capital to assets | 9.3065% | 4,755 |
| Core capital (leverage) ratio | 9.8154% | 3,837 |
| Tier 1 risk-based capital ratio | 14.0558% | 4,297 |
| Total risk-based capital ratio | 15.3132% | 4,225 |
| Memoranda: | ||
| Average total assets | $224,847,500 | 2,779 |
| Average earning assets | $209,473,500 | 2,756 |
| Average equity | $20,624,500 | 3,105 |
| Average total loans | $146,373,500 | 2,637 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5622% | 1,991 |
| Cost of funding earning assets | 0.5161% | 3,442 |
| Net interest margin | 4.0462% | 1,816 |
| Noninterest income to average assets | 0.1727% | 6,051 |
| Noninterest expense to average assets | 2.4488% | 4,934 |
| Loan and lease loss provision to assets | -0.4570% | 6,730 |
| Net operating income to assets | 1.2260% | 1,463 |
| Return on assets (ROA) | 1.2260% | 1,530 |
| Pretax return on assets | 1.8891% | 617 |
| Return on Equity (ROE) | 13.3429% | 1,101 |
| Retained earnings to average equity (ytd only) | 10.8564% | 439 |
| Net charge-offs to loans | 0.1477% | 3,328 |
| Credit loss provision to net charge-offs | -460.8295% | 6,128 |
| Earnings coverage of net charge-offs (x) | 14.4424% | 1,943 |
| Efficiency ratio | 63.0990% | 5,042 |
| Assets per employee ($millions) | 4.9640% | 2,221 |
| Cash dividends to net income (ytd only)* | 18.6359% | 3,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9755% | 1,613 |
| Loan loss allowance to noncurrent loans | 322.2722% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 4,540 |
| Noncurrent loans to loans | 0.6130% | 4,446 |
| Net loans and leases to total assets | 63.6419% | 3,110 |
| Net loans and leases to deposits | 72.5312% | 3,453 |
| Net loans and leases to core deposits | 78.2781% | 3,319 |
| Total domestic deposits to total assets | 87.7443% | 2,337 |
| Equity capital to assets | 9.0370% | 4,991 |
| Core capital (leverage) ratio | 9.5589% | 4,178 |
| Tier 1 risk-based capital ratio | 13.9251% | 4,346 |
| Total risk-based capital ratio | 15.1834% | 4,277 |
| Memoranda: | ||
| Average total assets | $218,837,600 | 2,820 |
| Average earning assets | $200,560,400 | 2,820 |
| Average equity | $20,108,000 | 3,142 |
| Average total loans | $146,941,000 | 2,603 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5908% | 1,935 |
| Cost of funding earning assets | 0.5259% | 3,512 |
| Net interest margin | 4.0649% | 1,744 |
| Noninterest income to average assets | 0.1249% | 6,397 |
| Noninterest expense to average assets | 2.4387% | 4,911 |
| Loan and lease loss provision to assets | -0.6124% | 6,844 |
| Net operating income to assets | 1.2567% | 1,465 |
| Return on assets (ROA) | 1.2567% | 1,532 |
| Pretax return on assets | 2.0192% | 555 |
| Return on Equity (ROE) | 13.6196% | 1,093 |
| Retained earnings to average equity (ytd only) | 13.6196% | 285 |
| Net charge-offs to loans | -0.0163% | 6,002 |
| Credit loss provision to net charge-offs | 5,555.5556% | 54 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4177% | 4,901 |
| Assets per employee ($millions) | 5.2200% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1421% | 1,427 |
| Loan loss allowance to noncurrent loans | 175.1412% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 1.0016% | 3,654 |
| Noncurrent loans to loans | 1.2231% | 3,360 |
| Net loans and leases to total assets | 64.5944% | 2,902 |
| Net loans and leases to deposits | 74.2610% | 3,200 |
| Net loans and leases to core deposits | 80.2118% | 3,111 |
| Total domestic deposits to total assets | 86.9829% | 2,702 |
| Equity capital to assets | 9.3664% | 4,722 |
| Core capital (leverage) ratio | 9.7195% | 4,076 |
| Tier 1 risk-based capital ratio | 14.0337% | 4,398 |
| Total risk-based capital ratio | 15.2938% | 4,348 |
| Memoranda: | ||
| Average total assets | $217,701,750 | 2,858 |
| Average earning assets | $199,263,750 | 2,860 |
| Average equity | $20,088,250 | 3,180 |
| Average total loans | $147,419,000 | 2,608 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6374% | 1,732 |
| Cost of funding earning assets | 0.5386% | 3,515 |
| Net interest margin | 4.0988% | 1,546 |
| Noninterest income to average assets | 0.0856% | 6,568 |
| Noninterest expense to average assets | 2.4762% | 4,813 |
| Loan and lease loss provision to assets | -0.9209% | 6,912 |
| Net operating income to assets | 1.4015% | 1,076 |
| Return on assets (ROA) | 1.4015% | 1,161 |
| Pretax return on assets | 2.2515% | 381 |
| Return on Equity (ROE) | 15.2663% | 764 |
| Retained earnings to average equity (ytd only) | 15.2663% | 222 |
| Net charge-offs to loans | -0.0270% | 6,067 |
| Credit loss provision to net charge-offs | 5,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0460% | 4,702 |
| Assets per employee ($millions) | 4.9553% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0945% | 1,644 |
| Loan loss allowance to noncurrent loans | 185.3047% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.9879% | 3,789 |
| Noncurrent loans to loans | 1.1303% | 3,674 |
| Net loans and leases to total assets | 66.5052% | 2,506 |
| Net loans and leases to deposits | 76.7182% | 2,768 |
| Net loans and leases to core deposits | 82.9968% | 2,694 |
| Total domestic deposits to total assets | 86.6877% | 3,007 |
| Equity capital to assets | 9.2923% | 4,869 |
| Core capital (leverage) ratio | 9.5857% | 4,101 |
| Tier 1 risk-based capital ratio | 13.3536% | 4,874 |
| Total risk-based capital ratio | 14.6131% | 4,817 |
| Memoranda: | ||
| Average total assets | $217,188,330 | 2,880 |
| Average earning assets | $197,179,000 | 2,900 |
| Average equity | $19,939,330 | 3,214 |
| Average total loans | $148,319,330 | 2,594 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6763% | 1,603 |
| Cost of funding earning assets | 0.5693% | 3,389 |
| Net interest margin | 4.1069% | 1,439 |
| Noninterest income to average assets | 0.0572% | 6,706 |
| Noninterest expense to average assets | 2.5262% | 4,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7916% | 3,213 |
| Return on assets (ROA) | 0.7916% | 3,344 |
| Pretax return on assets | 1.2714% | 2,332 |
| Return on Equity (ROE) | 8.6759% | 2,639 |
| Retained earnings to average equity (ytd only) | 8.6759% | 1,501 |
| Net charge-offs to loans | -0.1617% | 6,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5209% | 4,572 |
| Assets per employee ($millions) | 4.8876% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8060% | 816 |
| Loan loss allowance to noncurrent loans | 168.9233% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 1.4164% | 3,149 |
| Noncurrent loans to loans | 1.6611% | 3,052 |
| Net loans and leases to total assets | 66.7129% | 2,245 |
| Net loans and leases to deposits | 77.0050% | 2,489 |
| Net loans and leases to core deposits | 83.7144% | 2,357 |
| Total domestic deposits to total assets | 86.6345% | 3,163 |
| Equity capital to assets | 9.2721% | 5,172 |
| Core capital (leverage) ratio | 9.1747% | 4,605 |
| Tier 1 risk-based capital ratio | 12.9563% | 5,256 |
| Total risk-based capital ratio | 14.2253% | 5,191 |
| Memoranda: | ||
| Average total assets | $216,767,000 | 2,916 |
| Average earning assets | $197,422,000 | 2,927 |
| Average equity | $19,779,000 | 3,270 |
| Average total loans | $148,427,000 | 2,604 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9292% | 1,751 |
| Cost of funding earning assets | 0.7274% | 3,275 |
| Net interest margin | 4.2018% | 1,661 |
| Noninterest income to average assets | -0.2511% | 6,978 |
| Noninterest expense to average assets | 2.4360% | 5,301 |
| Loan and lease loss provision to assets | 0.2322% | 2,811 |
| Net operating income to assets | 0.7046% | 3,712 |
| Return on assets (ROA) | 0.8318% | 3,384 |
| Pretax return on assets | 0.9905% | 3,577 |
| Return on Equity (ROE) | 9.8180% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.8180% | 626 |
| Net charge-offs to loans | 0.8150% | 1,437 |
| Credit loss provision to net charge-offs | 41.8019% | 4,900 |
| Earnings coverage of net charge-offs (x) | 1.9286% | 4,458 |
| Efficiency ratio | 69.4562% | 3,905 |
| Assets per employee ($millions) | 4.9655% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7351% | 892 |
| Loan loss allowance to noncurrent loans | 115.2131% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 1.9842% | 2,471 |
| Noncurrent loans to loans | 2.3740% | 2,260 |
| Net loans and leases to total assets | 66.4415% | 2,465 |
| Net loans and leases to deposits | 76.5473% | 2,712 |
| Net loans and leases to core deposits | 84.0773% | 2,538 |
| Total domestic deposits to total assets | 86.7979% | 2,935 |
| Equity capital to assets | 8.9793% | 5,544 |
| Core capital (leverage) ratio | 8.8279% | 5,134 |
| Tier 1 risk-based capital ratio | 12.6549% | 5,360 |
| Total risk-based capital ratio | 13.9234% | 5,289 |
| Memoranda: | ||
| Average total assets | $221,796,000 | 2,823 |
| Average earning assets | $198,391,200 | 2,863 |
| Average equity | $18,792,000 | 3,361 |
| Average total loans | $151,164,200 | 2,560 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9849% | 1,724 |
| Cost of funding earning assets | 0.7634% | 3,243 |
| Net interest margin | 4.2215% | 1,676 |
| Noninterest income to average assets | -0.0156% | 6,969 |
| Noninterest expense to average assets | 2.4220% | 5,337 |
| Loan and lease loss provision to assets | 0.3084% | 2,144 |
| Net operating income to assets | 0.9225% | 2,865 |
| Return on assets (ROA) | 0.9367% | 3,029 |
| Pretax return on assets | 1.0283% | 3,607 |
| Return on Equity (ROE) | 11.2199% | 1,880 |
| Retained earnings to average equity (ytd only) | 11.2199% | 648 |
| Net charge-offs to loans | 0.2479% | 3,235 |
| Credit loss provision to net charge-offs | 182.6241% | 1,525 |
| Earnings coverage of net charge-offs (x) | 7.8227% | 2,543 |
| Efficiency ratio | 64.7040% | 4,678 |
| Assets per employee ($millions) | 5.1087% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3099% | 545 |
| Loan loss allowance to noncurrent loans | 120.8744% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 3.1756% | 1,622 |
| Noncurrent loans to loans | 2.7383% | 2,069 |
| Net loans and leases to total assets | 66.9161% | 2,481 |
| Net loans and leases to deposits | 77.4491% | 2,736 |
| Net loans and leases to core deposits | 85.2012% | 2,560 |
| Total domestic deposits to total assets | 86.4002% | 3,037 |
| Equity capital to assets | 8.8796% | 5,943 |
| Core capital (leverage) ratio | 8.4539% | 5,820 |
| Tier 1 risk-based capital ratio | 12.4369% | 5,685 |
| Total risk-based capital ratio | 13.7127% | 5,636 |
| Memoranda: | ||
| Average total assets | $222,624,750 | 2,830 |
| Average earning assets | $198,219,250 | 2,884 |
| Average equity | $18,585,500 | 3,421 |
| Average total loans | $151,644,250 | 2,581 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9912% | 1,809 |
| Cost of funding earning assets | 0.7992% | 3,195 |
| Net interest margin | 4.1920% | 1,774 |
| Noninterest income to average assets | 0.2540% | 5,763 |
| Noninterest expense to average assets | 2.4418% | 5,322 |
| Loan and lease loss provision to assets | 0.4606% | 1,388 |
| Net operating income to assets | 1.0626% | 2,193 |
| Return on assets (ROA) | 1.0617% | 2,428 |
| Pretax return on assets | 1.0617% | 3,457 |
| Return on Equity (ROE) | 12.9878% | 1,368 |
| Retained earnings to average equity (ytd only) | 12.9878% | 440 |
| Net charge-offs to loans | 0.2257% | 3,226 |
| Credit loss provision to net charge-offs | 301.1696% | 967 |
| Earnings coverage of net charge-offs (x) | 9.9591% | 2,113 |
| Efficiency ratio | 61.5836% | 5,314 |
| Assets per employee ($millions) | 5.2018% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4238% | 529 |
| Loan loss allowance to noncurrent loans | 141.2136% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 3.1593% | 1,724 |
| Noncurrent loans to loans | 2.4245% | 2,476 |
| Net loans and leases to total assets | 63.3833% | 3,167 |
| Net loans and leases to deposits | 73.1688% | 3,433 |
| Net loans and leases to core deposits | 80.4671% | 3,151 |
| Total domestic deposits to total assets | 86.6261% | 2,993 |
| Equity capital to assets | 8.3136% | 6,370 |
| Core capital (leverage) ratio | 8.2576% | 5,984 |
| Tier 1 risk-based capital ratio | 12.1596% | 5,825 |
| Total risk-based capital ratio | 13.4363% | 5,785 |
| Memoranda: | ||
| Average total assets | $223,609,000 | 2,833 |
| Average earning assets | $197,949,330 | 2,900 |
| Average equity | $18,278,670 | 3,459 |
| Average total loans | $151,516,330 | 2,595 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0413% | 1,749 |
| Cost of funding earning assets | 0.8426% | 3,125 |
| Net interest margin | 4.1987% | 1,760 |
| Noninterest income to average assets | 0.2462% | 5,882 |
| Noninterest expense to average assets | 2.4256% | 5,388 |
| Loan and lease loss provision to assets | 0.8146% | 596 |
| Net operating income to assets | 0.6951% | 3,909 |
| Return on assets (ROA) | 0.6933% | 4,137 |
| Pretax return on assets | 0.6933% | 4,815 |
| Return on Equity (ROE) | 8.5567% | 3,026 |
| Retained earnings to average equity (ytd only) | 8.5567% | 1,754 |
| Net charge-offs to loans | 0.2655% | 2,604 |
| Credit loss provision to net charge-offs | 445.5446% | 725 |
| Earnings coverage of net charge-offs (x) | 8.2574% | 1,981 |
| Efficiency ratio | 61.6375% | 5,347 |
| Assets per employee ($millions) | 4.9302% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3918% | 577 |
| Loan loss allowance to noncurrent loans | 90.4110% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 4.0661% | 1,349 |
| Noncurrent loans to loans | 3.7515% | 1,656 |
| Net loans and leases to total assets | 66.0909% | 2,454 |
| Net loans and leases to deposits | 77.0192% | 2,672 |
| Net loans and leases to core deposits | 85.3284% | 2,368 |
| Total domestic deposits to total assets | 85.8109% | 3,635 |
| Equity capital to assets | 8.1781% | 6,382 |
| Core capital (leverage) ratio | 8.2018% | 6,020 |
| Tier 1 risk-based capital ratio | 11.5817% | 6,232 |
| Total risk-based capital ratio | 12.8581% | 6,195 |
| Memoranda: | ||
| Average total assets | $220,974,000 | 2,881 |
| Average earning assets | $194,156,000 | 2,974 |
| Average equity | $17,904,000 | 3,518 |
| Average total loans | $152,167,500 | 2,600 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1317% | 2,322 |
| Cost of funding earning assets | 1.0910% | 2,728 |
| Net interest margin | 4.0407% | 2,679 |
| Noninterest income to average assets | -0.0353% | 7,048 |
| Noninterest expense to average assets | 2.4145% | 5,733 |
| Loan and lease loss provision to assets | 2.4017% | 192 |
| Net operating income to assets | -0.9844% | 6,734 |
| Return on assets (ROA) | -0.9443% | 6,742 |
| Pretax return on assets | -1.1920% | 6,810 |
| Return on Equity (ROE) | -12.7205% | 6,821 |
| Retained earnings to average equity (ytd only) | -12.7205% | 6,794 |
| Net charge-offs to loans | 3.1483% | 285 |
| Credit loss provision to net charge-offs | 105.7543% | 3,231 |
| Earnings coverage of net charge-offs (x) | 0.5103% | 5,446 |
| Efficiency ratio | 67.5686% | 4,451 |
| Assets per employee ($millions) | 5.1183% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1457% | 714 |
| Loan loss allowance to noncurrent loans | 76.8578% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 4.3165% | 1,291 |
| Noncurrent loans to loans | 4.0929% | 1,519 |
| Net loans and leases to total assets | 67.1362% | 2,557 |
| Net loans and leases to deposits | 77.3072% | 2,957 |
| Net loans and leases to core deposits | 85.7533% | 2,666 |
| Total domestic deposits to total assets | 86.8434% | 2,852 |
| Equity capital to assets | 8.0259% | 6,559 |
| Core capital (leverage) ratio | 7.9996% | 6,271 |
| Tier 1 risk-based capital ratio | 11.3797% | 6,242 |
| Total risk-based capital ratio | 12.6538% | 6,212 |
| Memoranda: | ||
| Average total assets | $226,508,400 | 2,766 |
| Average earning assets | $202,293,600 | 2,823 |
| Average equity | $16,815,400 | 3,604 |
| Average total loans | $163,390,400 | 2,450 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1523% | 2,380 |
| Cost of funding earning assets | 1.1497% | 2,633 |
| Net interest margin | 4.0026% | 2,903 |
| Noninterest income to average assets | -0.1403% | 7,241 |
| Noninterest expense to average assets | 2.3724% | 5,842 |
| Loan and lease loss provision to assets | 2.7997% | 128 |
| Net operating income to assets | -1.3736% | 7,008 |
| Return on assets (ROA) | -1.3198% | 7,013 |
| Pretax return on assets | -1.6477% | 7,050 |
| Return on Equity (ROE) | -18.1325% | 7,070 |
| Retained earnings to average equity (ytd only) | -18.1325% | 7,053 |
| Net charge-offs to loans | 2.5181% | 431 |
| Credit loss provision to net charge-offs | 152.6937% | 2,037 |
| Earnings coverage of net charge-offs (x) | 0.5916% | 5,182 |
| Efficiency ratio | 68.6221% | 4,191 |
| Assets per employee ($millions) | 5.0034% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8515% | 440 |
| Loan loss allowance to noncurrent loans | 130.9787% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 3.4814% | 1,813 |
| Noncurrent loans to loans | 2.9406% | 2,370 |
| Net loans and leases to total assets | 71.4287% | 1,829 |
| Net loans and leases to deposits | 82.3541% | 2,291 |
| Net loans and leases to core deposits | 92.3945% | 1,949 |
| Total domestic deposits to total assets | 86.7337% | 2,801 |
| Equity capital to assets | 7.5958% | 6,897 |
| Core capital (leverage) ratio | 7.3259% | 6,845 |
| Tier 1 risk-based capital ratio | 10.2147% | 6,889 |
| Total risk-based capital ratio | 11.4980% | 6,861 |
| Memoranda: | ||
| Average total assets | $228,113,750 | 2,749 |
| Average earning assets | $205,028,750 | 2,800 |
| Average equity | $16,603,250 | 3,643 |
| Average total loans | $166,098,750 | 2,428 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1160% | 2,604 |
| Cost of funding earning assets | 1.2113% | 2,496 |
| Net interest margin | 3.9047% | 3,289 |
| Noninterest income to average assets | -0.0146% | 7,218 |
| Noninterest expense to average assets | 2.3421% | 6,024 |
| Loan and lease loss provision to assets | 3.8634% | 84 |
| Net operating income to assets | -2.2082% | 7,223 |
| Return on assets (ROA) | -2.1270% | 7,218 |
| Pretax return on assets | -2.6097% | 7,264 |
| Return on Equity (ROE) | -29.6219% | 7,237 |
| Retained earnings to average equity (ytd only) | -29.6219% | 7,229 |
| Net charge-offs to loans | 3.6899% | 239 |
| Credit loss provision to net charge-offs | 144.6987% | 2,115 |
| Earnings coverage of net charge-offs (x) | 0.4325% | 4,979 |
| Efficiency ratio | 66.9783% | 4,703 |
| Assets per employee ($millions) | 5.1654% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6089% | 557 |
| Loan loss allowance to noncurrent loans | 133.2278% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 3.6819% | 1,768 |
| Noncurrent loans to loans | 2.7088% | 2,685 |
| Net loans and leases to total assets | 70.8279% | 2,048 |
| Net loans and leases to deposits | 82.4868% | 2,373 |
| Net loans and leases to core deposits | 93.0089% | 2,017 |
| Total domestic deposits to total assets | 85.8658% | 3,399 |
| Equity capital to assets | 7.1756% | 7,063 |
| Core capital (leverage) ratio | 6.7819% | 7,060 |
| Tier 1 risk-based capital ratio | 9.6687% | 7,067 |
| Total risk-based capital ratio | 10.9484% | 7,063 |
| Memoranda: | ||
| Average total assets | $232,436,330 | 2,730 |
| Average earning assets | $209,032,330 | 2,769 |
| Average equity | $16,690,330 | 3,620 |
| Average total loans | $168,187,670 | 2,433 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8699% | 3,723 |
| Cost of funding earning assets | 1.2626% | 2,410 |
| Net interest margin | 3.6073% | 4,538 |
| Noninterest income to average assets | 0.1313% | 6,757 |
| Noninterest expense to average assets | 2.2879% | 6,219 |
| Loan and lease loss provision to assets | 4.4226% | 85 |
| Net operating income to assets | -2.2812% | 7,318 |
| Return on assets (ROA) | -2.2812% | 7,318 |
| Pretax return on assets | -3.3182% | 7,403 |
| Return on Equity (ROE) | -31.7581% | 7,330 |
| Retained earnings to average equity (ytd only) | -31.7581% | 7,304 |
| Net charge-offs to loans | 4.4599% | 190 |
| Credit loss provision to net charge-offs | 138.0452% | 2,030 |
| Earnings coverage of net charge-offs (x) | 0.3447% | 4,355 |
| Efficiency ratio | 67.4442% | 4,766 |
| Assets per employee ($millions) | 5.5060% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1209% | 824 |
| Loan loss allowance to noncurrent loans | 111.1891% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 3.1167% | 2,214 |
| Noncurrent loans to loans | 2.8068% | 2,693 |
| Net loans and leases to total assets | 68.5340% | 2,444 |
| Net loans and leases to deposits | 79.6441% | 2,777 |
| Net loans and leases to core deposits | 91.7168% | 2,161 |
| Total domestic deposits to total assets | 86.0503% | 3,500 |
| Equity capital to assets | 7.1288% | 7,045 |
| Core capital (leverage) ratio | 7.2099% | 6,914 |
| Tier 1 risk-based capital ratio | 9.9922% | 7,009 |
| Total risk-based capital ratio | 11.2657% | 6,996 |
| Memoranda: | ||
| Average total assets | $237,598,000 | 2,700 |
| Average earning assets | $214,787,000 | 2,727 |
| Average equity | $17,066,500 | 3,550 |
| Average total loans | $170,677,500 | 2,426 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3285% | 2,985 |
| Cost of funding earning assets | 1.7119% | 1,545 |
| Net interest margin | 3.6166% | 4,734 |
| Noninterest income to average assets | 0.0437% | 7,142 |
| Noninterest expense to average assets | 2.3243% | 6,289 |
| Loan and lease loss provision to assets | 2.1378% | 593 |
| Net operating income to assets | -0.7102% | 6,526 |
| Return on assets (ROA) | -0.6056% | 6,482 |
| Pretax return on assets | -0.9641% | 6,618 |
| Return on Equity (ROE) | -7.8672% | 6,615 |
| Retained earnings to average equity (ytd only) | -7.8672% | 6,526 |
| Net charge-offs to loans | 1.9777% | 1,029 |
| Credit loss provision to net charge-offs | 146.7989% | 2,500 |
| Earnings coverage of net charge-offs (x) | 0.6938% | 5,417 |
| Efficiency ratio | 69.7018% | 4,241 |
| Assets per employee ($millions) | 5.5451% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5899% | 1,301 |
| Loan loss allowance to noncurrent loans | 178.1250% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 1.9577% | 3,398 |
| Noncurrent loans to loans | 1.4540% | 4,303 |
| Net loans and leases to total assets | 71.0312% | 2,296 |
| Net loans and leases to deposits | 82.6337% | 2,690 |
| Net loans and leases to core deposits | 95.4643% | 2,074 |
| Total domestic deposits to total assets | 85.9591% | 3,379 |
| Equity capital to assets | 7.2367% | 7,021 |
| Core capital (leverage) ratio | 7.2518% | 6,879 |
| Tier 1 risk-based capital ratio | 9.9763% | 6,992 |
| Total risk-based capital ratio | 11.2433% | 6,970 |
| Memoranda: | ||
| Average total assets | $242,396,600 | 2,615 |
| Average earning assets | $220,568,200 | 2,628 |
| Average equity | $18,659,800 | 3,323 |
| Average total loans | $178,486,400 | 2,374 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 3,252 |
| Cost of funding earning assets | 1.7923% | 1,446 |
| Net interest margin | 3.5281% | 5,190 |
| Noninterest income to average assets | -0.0247% | 7,478 |
| Noninterest expense to average assets | 2.2175% | 6,559 |
| Loan and lease loss provision to assets | 1.3301% | 1,037 |
| Net operating income to assets | -0.2287% | 6,353 |
| Return on assets (ROA) | -0.0898% | 6,266 |
| Pretax return on assets | -0.1441% | 6,264 |
| Return on Equity (ROE) | -1.1502% | 6,297 |
| Retained earnings to average equity (ytd only) | -1.1502% | 6,037 |
| Net charge-offs to loans | 1.5601% | 1,282 |
| Credit loss provision to net charge-offs | 115.5090% | 3,610 |
| Earnings coverage of net charge-offs (x) | 0.8416% | 5,209 |
| Efficiency ratio | 69.5891% | 4,157 |
| Assets per employee ($millions) | 5.5653% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8000% | 2,790 |
| Loan loss allowance to noncurrent loans | 138.7336% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 1.5212% | 4,169 |
| Noncurrent loans to loans | 1.2975% | 4,689 |
| Net loans and leases to total assets | 70.7797% | 2,539 |
| Net loans and leases to deposits | 88.1677% | 1,987 |
| Net loans and leases to core deposits | 104.0748% | 1,480 |
| Total domestic deposits to total assets | 80.2784% | 5,615 |
| Equity capital to assets | 7.6950% | 7,001 |
| Core capital (leverage) ratio | 7.5106% | 6,835 |
| Tier 1 risk-based capital ratio | 10.3484% | 6,864 |
| Total risk-based capital ratio | 11.6047% | 6,860 |
| Memoranda: | ||
| Average total assets | $243,386,000 | 2,652 |
| Average earning assets | $221,533,000 | 2,651 |
| Average equity | $19,011,000 | 3,313 |
| Average total loans | $179,640,750 | 2,397 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3408% | 3,261 |
| Cost of funding earning assets | 1.8660% | 1,350 |
| Net interest margin | 3.4748% | 5,343 |
| Noninterest income to average assets | -0.0387% | 7,576 |
| Noninterest expense to average assets | 2.1878% | 6,678 |
| Loan and lease loss provision to assets | 1.1133% | 1,284 |
| Net operating income to assets | -0.1128% | 6,249 |
| Return on assets (ROA) | -0.1128% | 6,321 |
| Pretax return on assets | -0.1812% | 6,320 |
| Return on Equity (ROE) | -1.4370% | 6,367 |
| Retained earnings to average equity (ytd only) | -1.4370% | 6,052 |
| Net charge-offs to loans | 1.3161% | 1,440 |
| Credit loss provision to net charge-offs | 113.7090% | 3,579 |
| Earnings coverage of net charge-offs (x) | 0.9521% | 4,827 |
| Efficiency ratio | 70.1240% | 4,172 |
| Assets per employee ($millions) | 5.6668% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6788% | 3,155 |
| Loan loss allowance to noncurrent loans | 109.0449% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 1.5886% | 4,075 |
| Noncurrent loans to loans | 1.5396% | 4,406 |
| Net loans and leases to total assets | 70.7937% | 2,717 |
| Net loans and leases to deposits | 86.6839% | 2,402 |
| Net loans and leases to core deposits | 103.5315% | 1,681 |
| Total domestic deposits to total assets | 81.6688% | 5,122 |
| Equity capital to assets | 7.6863% | 7,004 |
| Core capital (leverage) ratio | 7.5985% | 6,736 |
| Tier 1 risk-based capital ratio | 10.0909% | 6,981 |
| Total risk-based capital ratio | 11.3463% | 6,947 |
| Memoranda: | ||
| Average total assets | $242,890,000 | 2,681 |
| Average earning assets | $220,791,330 | 2,673 |
| Average equity | $19,067,000 | 3,294 |
| Average total loans | $180,688,330 | 2,417 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3093% | 3,502 |
| Cost of funding earning assets | 1.9255% | 1,342 |
| Net interest margin | 3.3838% | 5,643 |
| Noninterest income to average assets | 0.1502% | 6,894 |
| Noninterest expense to average assets | 2.2164% | 6,646 |
| Loan and lease loss provision to assets | 1.5906% | 726 |
| Net operating income to assets | -0.3572% | 6,721 |
| Return on assets (ROA) | -0.3572% | 6,766 |
| Pretax return on assets | -0.5741% | 6,832 |
| Return on Equity (ROE) | -4.5010% | 6,855 |
| Retained earnings to average equity (ytd only) | -4.5010% | 6,549 |
| Net charge-offs to loans | 2.1250% | 800 |
| Credit loss provision to net charge-offs | 98.9616% | 3,475 |
| Earnings coverage of net charge-offs (x) | 0.6324% | 4,461 |
| Efficiency ratio | 68.5596% | 4,615 |
| Assets per employee ($millions) | 5.4910% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5752% | 3,551 |
| Loan loss allowance to noncurrent loans | 181.3019% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 1.5679% | 4,150 |
| Noncurrent loans to loans | 0.8688% | 5,579 |
| Net loans and leases to total assets | 73.4760% | 2,088 |
| Net loans and leases to deposits | 90.4437% | 1,837 |
| Net loans and leases to core deposits | 109.3979% | 1,323 |
| Total domestic deposits to total assets | 81.2395% | 5,368 |
| Equity capital to assets | 7.8521% | 6,808 |
| Core capital (leverage) ratio | 7.7696% | 6,539 |
| Tier 1 risk-based capital ratio | 9.9794% | 7,051 |
| Total risk-based capital ratio | 11.2381% | 7,025 |
| Memoranda: | ||
| Average total assets | $239,665,000 | 2,767 |
| Average earning assets | $218,334,000 | 2,758 |
| Average equity | $19,018,000 | 3,319 |
| Average total loans | $181,267,000 | 2,474 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8080% | 2,624 |
| Cost of funding earning assets | 2.5076% | 1,014 |
| Net interest margin | 3.3004% | 5,747 |
| Noninterest income to average assets | 0.2648% | 6,216 |
| Noninterest expense to average assets | 2.4969% | 6,140 |
| Loan and lease loss provision to assets | 0.5074% | 3,838 |
| Net operating income to assets | 0.1849% | 4,945 |
| Return on assets (ROA) | 0.1849% | 5,015 |
| Pretax return on assets | 0.2798% | 4,819 |
| Return on Equity (ROE) | 2.3158% | 4,779 |
| Retained earnings to average equity (ytd only) | 2.3158% | 3,498 |
| Net charge-offs to loans | 0.3927% | 4,251 |
| Credit loss provision to net charge-offs | 166.3866% | 2,613 |
| Earnings coverage of net charge-offs (x) | 2.5812% | 3,823 |
| Efficiency ratio | 76.0307% | 3,524 |
| Assets per employee ($millions) | 5.4029% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 3,416 |
| Loan loss allowance to noncurrent loans | 128.5392% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 1.7407% | 3,757 |
| Noncurrent loans to loans | 1.2175% | 4,920 |
| Net loans and leases to total assets | 75.4318% | 1,939 |
| Net loans and leases to deposits | 93.5040% | 1,659 |
| Net loans and leases to core deposits | 154.3715% | 422 |
| Total domestic deposits to total assets | 80.6723% | 5,449 |
| Equity capital to assets | 8.0197% | 6,563 |
| Core capital (leverage) ratio | 7.9499% | 6,261 |
| Tier 1 risk-based capital ratio | 9.5791% | 7,177 |
| Total risk-based capital ratio | 10.8318% | 7,159 |
| Memoranda: | ||
| Average total assets | $234,127,400 | 2,776 |
| Average earning assets | $214,186,600 | 2,777 |
| Average equity | $18,698,000 | 3,394 |
| Average total loans | $181,821,800 | 2,490 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8776% | 2,548 |
| Cost of funding earning assets | 2.6247% | 970 |
| Net interest margin | 3.2528% | 5,820 |
| Noninterest income to average assets | 0.3704% | 5,551 |
| Noninterest expense to average assets | 2.4628% | 6,206 |
| Loan and lease loss provision to assets | 0.5179% | 3,313 |
| Net operating income to assets | 0.2312% | 5,055 |
| Return on assets (ROA) | 0.2315% | 5,134 |
| Pretax return on assets | 0.3716% | 4,871 |
| Return on Equity (ROE) | 2.9022% | 4,836 |
| Retained earnings to average equity (ytd only) | 2.9022% | 3,700 |
| Net charge-offs to loans | 0.4270% | 3,548 |
| Credit loss provision to net charge-offs | 155.6701% | 3,061 |
| Earnings coverage of net charge-offs (x) | 2.6718% | 3,892 |
| Efficiency ratio | 73.4777% | 3,959 |
| Assets per employee ($millions) | 5.3268% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 3,384 |
| Loan loss allowance to noncurrent loans | 127.3456% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 1.9353% | 3,443 |
| Noncurrent loans to loans | 1.1856% | 4,964 |
| Net loans and leases to total assets | 75.1767% | 2,199 |
| Net loans and leases to deposits | 93.6457% | 1,939 |
| Net loans and leases to core deposits | 148.5466% | 615 |
| Total domestic deposits to total assets | 80.2778% | 5,345 |
| Equity capital to assets | 8.1662% | 6,678 |
| Core capital (leverage) ratio | 8.1446% | 6,112 |
| Tier 1 risk-based capital ratio | 9.7863% | 7,148 |
| Total risk-based capital ratio | 11.0376% | 7,113 |
| Memoranda: | ||
| Average total assets | $233,227,750 | 2,801 |
| Average earning assets | $213,757,250 | 2,800 |
| Average equity | $18,606,250 | 3,436 |
| Average total loans | $181,734,250 | 2,519 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0055% | 2,160 |
| Cost of funding earning assets | 2.7588% | 881 |
| Net interest margin | 3.2467% | 5,748 |
| Noninterest income to average assets | 0.3986% | 5,306 |
| Noninterest expense to average assets | 2.5519% | 5,936 |
| Loan and lease loss provision to assets | 0.4346% | 3,384 |
| Net operating income to assets | 0.2468% | 5,099 |
| Return on assets (ROA) | 0.2474% | 5,194 |
| Pretax return on assets | 0.3968% | 4,943 |
| Return on Equity (ROE) | 3.1256% | 4,853 |
| Retained earnings to average equity (ytd only) | 3.1256% | 3,577 |
| Net charge-offs to loans | 0.1883% | 4,379 |
| Credit loss provision to net charge-offs | 294.1860% | 1,587 |
| Earnings coverage of net charge-offs (x) | 5.6221% | 2,797 |
| Efficiency ratio | 75.4444% | 3,795 |
| Assets per employee ($millions) | 4.9557% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 3,312 |
| Loan loss allowance to noncurrent loans | 125.1616% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 1.6761% | 3,674 |
| Noncurrent loans to loans | 1.1818% | 4,858 |
| Net loans and leases to total assets | 77.5223% | 1,858 |
| Net loans and leases to deposits | 96.4423% | 1,725 |
| Net loans and leases to core deposits | 149.4768% | 670 |
| Total domestic deposits to total assets | 80.3821% | 5,324 |
| Equity capital to assets | 7.9946% | 6,757 |
| Core capital (leverage) ratio | 7.8859% | 6,511 |
| Tier 1 risk-based capital ratio | 9.5172% | 7,373 |
| Total risk-based capital ratio | 10.7690% | 7,330 |
| Memoranda: | ||
| Average total assets | $232,843,330 | 2,827 |
| Average earning assets | $214,004,670 | 2,818 |
| Average equity | $18,428,330 | 3,483 |
| Average total loans | $182,678,670 | 2,537 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9373% | 2,616 |
| Cost of funding earning assets | 2.7967% | 993 |
| Net interest margin | 3.1406% | 6,064 |
| Noninterest income to average assets | 0.4777% | 4,531 |
| Noninterest expense to average assets | 2.4690% | 5,962 |
| Loan and lease loss provision to assets | 0.4536% | 2,654 |
| Net operating income to assets | 0.2955% | 5,312 |
| Return on assets (ROA) | 0.2955% | 5,484 |
| Pretax return on assets | 0.4742% | 5,157 |
| Return on Equity (ROE) | 3.7530% | 5,059 |
| Retained earnings to average equity (ytd only) | 3.7530% | 3,816 |
| Net charge-offs to loans | 0.1448% | 3,805 |
| Credit loss provision to net charge-offs | 400.0000% | 1,293 |
| Earnings coverage of net charge-offs (x) | 8.1818% | 2,232 |
| Efficiency ratio | 72.6859% | 4,066 |
| Assets per employee ($millions) | 5.0618% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 3,505 |
| Loan loss allowance to noncurrent loans | 116.4631% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 1.2274% | 4,232 |
| Noncurrent loans to loans | 1.2020% | 4,568 |
| Net loans and leases to total assets | 76.2387% | 2,219 |
| Net loans and leases to deposits | 93.0386% | 2,428 |
| Net loans and leases to core deposits | 148.6705% | 752 |
| Total domestic deposits to total assets | 81.9431% | 4,572 |
| Equity capital to assets | 7.8174% | 7,038 |
| Core capital (leverage) ratio | 7.9456% | 6,549 |
| Tier 1 risk-based capital ratio | 9.3158% | 7,572 |
| Total risk-based capital ratio | 10.5665% | 7,548 |
| Memoranda: | ||
| Average total assets | $232,805,000 | 2,844 |
| Average earning assets | $216,395,000 | 2,803 |
| Average equity | $18,332,000 | 3,513 |
| Average total loans | $182,380,000 | 2,561 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5761% | 2,598 |
| Cost of funding earning assets | 3.3045% | 915 |
| Net interest margin | 3.2716% | 6,134 |
| Noninterest income to average assets | 0.4340% | 5,181 |
| Noninterest expense to average assets | 2.5153% | 5,946 |
| Loan and lease loss provision to assets | 0.3906% | 3,348 |
| Net operating income to assets | 0.3686% | 5,278 |
| Return on assets (ROA) | 0.3863% | 5,020 |
| Pretax return on assets | 0.6077% | 4,668 |
| Return on Equity (ROE) | 4.9080% | 4,425 |
| Retained earnings to average equity (ytd only) | 4.9080% | 2,080 |
| Net charge-offs to loans | 0.3386% | 3,138 |
| Credit loss provision to net charge-offs | 148.5000% | 3,554 |
| Earnings coverage of net charge-offs (x) | 3.6900% | 4,251 |
| Efficiency ratio | 72.1544% | 3,908 |
| Assets per employee ($millions) | 4.8448% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 3,681 |
| Loan loss allowance to noncurrent loans | 140.2360% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 1.2402% | 3,745 |
| Noncurrent loans to loans | 0.9374% | 4,736 |
| Net loans and leases to total assets | 78.3611% | 2,035 |
| Net loans and leases to deposits | 94.4770% | 2,692 |
| Net loans and leases to core deposits | 152.3311% | 772 |
| Total domestic deposits to total assets | 82.9420% | 3,796 |
| Equity capital to assets | 7.9339% | 6,922 |
| Core capital (leverage) ratio | 7.9296% | 6,602 |
| Tier 1 risk-based capital ratio | 9.3443% | 7,472 |
| Total risk-based capital ratio | 10.5539% | 7,437 |
| Memoranda: | ||
| Average total assets | $228,087,600 | 2,793 |
| Average earning assets | $212,769,000 | 2,739 |
| Average equity | $17,950,200 | 3,566 |
| Average total loans | $177,175,000 | 2,533 |