Home > The Cooperative Bank > Performance and Condition Ratios
The Cooperative Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 3,609 |
| Cost of funding earning assets | 2.1136% | 1,618 |
| Net interest margin | 2.5891% | 3,954 |
| Noninterest income to average assets | 0.1800% | 3,674 |
| Noninterest expense to average assets | 2.5771% | 2,082 |
| Loan and lease loss provision to assets | -0.0200% | 4,187 |
| Net operating income to assets | 0.0853% | 4,090 |
| Return on assets (ROA) | 0.0853% | 4,118 |
| Pretax return on assets | 0.0788% | 4,126 |
| Return on Equity (ROE) | 1.0100% | 4,092 |
| Retained earnings to average equity (ytd only) | 1.0108% | 3,501 |
| Net charge-offs to loans | -0.0026% | 3,584 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 97.8040% | 301 |
| Assets per employee ($millions) | 8.6130% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7933% | 3,878 |
| Loan loss allowance to noncurrent loans | 111.1710% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 1,238 |
| Noncurrent loans to loans | 0.7136% | 1,444 |
| Net loans and leases to total assets | 84.2100% | 228 |
| Net loans and leases to deposits | 101.5090% | 353 |
| Net loans and leases to core deposits | 118.0823% | 605 |
| Total domestic deposits to total assets | 82.9600% | 3,127 |
| Equity capital to assets | 8.5046% | 3,319 |
| Core capital (leverage) ratio | 9.0896% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7419% | 1,963 |
| Memoranda: | ||
| Average total assets | $553,020,500 | 1,659 |
| Average earning assets | $524,045,000 | 1,633 |
| Average equity | $46,695,500 | 1,847 |
| Average total loans | $469,532,500 | 1,378 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7365% | 3,535 |
| Cost of funding earning assets | 2.3024% | 1,531 |
| Net interest margin | 2.4341% | 3,968 |
| Noninterest income to average assets | 0.2400% | 3,442 |
| Noninterest expense to average assets | 2.5591% | 2,136 |
| Loan and lease loss provision to assets | -0.1200% | 4,385 |
| Net operating income to assets | 0.1096% | 4,085 |
| Return on assets (ROA) | 0.1096% | 4,113 |
| Pretax return on assets | 0.1099% | 4,117 |
| Return on Equity (ROE) | 1.3600% | 4,068 |
| Retained earnings to average equity (ytd only) | 1.3566% | 3,582 |
| Net charge-offs to loans | 0.0031% | 2,877 |
| Credit loss provision to net charge-offs | -3,520.0000% | 4,494 |
| Earnings coverage of net charge-offs (x) | -3.8667% | 4,436 |
| Efficiency ratio | 100.3976% | 277 |
| Assets per employee ($millions) | 8.5356% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8017% | 3,870 |
| Loan loss allowance to noncurrent loans | 120.0191% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.5672% | 1,281 |
| Noncurrent loans to loans | 0.6680% | 1,472 |
| Net loans and leases to total assets | 84.2400% | 261 |
| Net loans and leases to deposits | 101.9842% | 406 |
| Net loans and leases to core deposits | 119.6883% | 610 |
| Total domestic deposits to total assets | 82.6000% | 3,118 |
| Equity capital to assets | 8.3832% | 3,292 |
| Core capital (leverage) ratio | 8.9563% | 3,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7216% | 1,960 |
| Memoranda: | ||
| Average total assets | $572,317,800 | 1,597 |
| Average earning assets | $541,959,400 | 1,563 |
| Average equity | $46,217,400 | 1,802 |
| Average total loans | $485,931,200 | 1,328 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7275% | 3,495 |
| Cost of funding earning assets | 2.3365% | 1,464 |
| Net interest margin | 2.3910% | 4,011 |
| Noninterest income to average assets | 0.2300% | 3,510 |
| Noninterest expense to average assets | 2.5506% | 2,091 |
| Loan and lease loss provision to assets | -0.1300% | 4,418 |
| Net operating income to assets | 0.0818% | 4,136 |
| Return on assets (ROA) | 0.0818% | 4,164 |
| Pretax return on assets | 0.0740% | 4,173 |
| Return on Equity (ROE) | 1.0200% | 4,131 |
| Retained earnings to average equity (ytd only) | 1.0229% | 3,723 |
| Net charge-offs to loans | 0.0011% | 2,779 |
| Credit loss provision to net charge-offs | -11,125.0000% | 4,535 |
| Earnings coverage of net charge-offs (x) | -57.0000% | 4,523 |
| Efficiency ratio | 102.1103% | 249 |
| Assets per employee ($millions) | 8.8212% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 3,905 |
| Loan loss allowance to noncurrent loans | 146.3516% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 1,501 |
| Noncurrent loans to loans | 0.5474% | 1,721 |
| Net loans and leases to total assets | 83.6000% | 287 |
| Net loans and leases to deposits | 104.6964% | 299 |
| Net loans and leases to core deposits | 123.1175% | 528 |
| Total domestic deposits to total assets | 79.8500% | 3,485 |
| Equity capital to assets | 8.1813% | 3,601 |
| Core capital (leverage) ratio | 8.7578% | 3,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1526% | 2,196 |
| Memoranda: | ||
| Average total assets | $576,694,500 | 1,576 |
| Average earning assets | $545,875,000 | 1,556 |
| Average equity | $46,144,000 | 1,805 |
| Average total loans | $489,630,000 | 1,309 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7214% | 3,428 |
| Cost of funding earning assets | 2.3298% | 1,385 |
| Net interest margin | 2.3915% | 4,000 |
| Noninterest income to average assets | 0.2300% | 3,492 |
| Noninterest expense to average assets | 2.6137% | 1,913 |
| Loan and lease loss provision to assets | -0.1200% | 4,422 |
| Net operating income to assets | 0.0246% | 4,199 |
| Return on assets (ROA) | 0.0246% | 4,232 |
| Pretax return on assets | 0.0021% | 4,237 |
| Return on Equity (ROE) | 0.3100% | 4,218 |
| Retained earnings to average equity (ytd only) | 0.3094% | 3,758 |
| Net charge-offs to loans | -0.0008% | 3,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 104.5410% | 222 |
| Assets per employee ($millions) | 8.3227% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8315% | 3,863 |
| Loan loss allowance to noncurrent loans | 101.1186% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.7005% | 953 |
| Noncurrent loans to loans | 0.8223% | 1,130 |
| Net loans and leases to total assets | 84.4800% | 251 |
| Net loans and leases to deposits | 105.6676% | 321 |
| Net loans and leases to core deposits | 123.5482% | 540 |
| Total domestic deposits to total assets | 79.9500% | 3,453 |
| Equity capital to assets | 7.9535% | 3,461 |
| Core capital (leverage) ratio | 8.5846% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0116% | 2,250 |
| Memoranda: | ||
| Average total assets | $577,799,000 | 1,570 |
| Average earning assets | $547,762,667 | 1,540 |
| Average equity | $45,888,667 | 1,795 |
| Average total loans | $491,769,000 | 1,302 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6850% | 3,359 |
| Cost of funding earning assets | 2.3079% | 1,319 |
| Net interest margin | 2.3771% | 4,032 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 2.5626% | 2,076 |
| Loan and lease loss provision to assets | -0.1700% | 4,493 |
| Net operating income to assets | 0.1104% | 4,096 |
| Return on assets (ROA) | 0.1104% | 4,136 |
| Pretax return on assets | 0.1097% | 4,149 |
| Return on Equity (ROE) | 1.3900% | 4,094 |
| Retained earnings to average equity (ytd only) | 1.3914% | 3,397 |
| Net charge-offs to loans | -0.0008% | 3,427 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 102.3711% | 261 |
| Assets per employee ($millions) | 8.0622% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8467% | 3,843 |
| Loan loss allowance to noncurrent loans | 187.9689% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 1,600 |
| Noncurrent loans to loans | 0.4505% | 1,799 |
| Net loans and leases to total assets | 84.0600% | 268 |
| Net loans and leases to deposits | 103.7249% | 353 |
| Net loans and leases to core deposits | 122.0792% | 572 |
| Total domestic deposits to total assets | 81.0400% | 3,369 |
| Equity capital to assets | 8.0188% | 3,357 |
| Core capital (leverage) ratio | 8.5307% | 4,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1507% | 2,193 |
| Memoranda: | ||
| Average total assets | $579,566,500 | 1,576 |
| Average earning assets | $549,579,000 | 1,542 |
| Average equity | $45,996,000 | 1,776 |
| Average total loans | $493,039,500 | 1,296 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6669% | 2,750 |
| Cost of funding earning assets | 2.0156% | 897 |
| Net interest margin | 2.6513% | 3,894 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.7625% | 1,597 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 0.0073% | 4,323 |
| Return on assets (ROA) | 0.0063% | 4,351 |
| Pretax return on assets | -0.0216% | 4,368 |
| Return on Equity (ROE) | 0.0800% | 4,339 |
| Retained earnings to average equity (ytd only) | 0.0790% | 4,027 |
| Net charge-offs to loans | 0.0055% | 2,505 |
| Credit loss provision to net charge-offs | -951.8519% | 4,564 |
| Earnings coverage of net charge-offs (x) | -13.8148% | 4,557 |
| Efficiency ratio | 102.4259% | 165 |
| Assets per employee ($millions) | 8.0348% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 3,821 |
| Loan loss allowance to noncurrent loans | 69.6662% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.0572% | 451 |
| Noncurrent loans to loans | 1.2382% | 574 |
| Net loans and leases to total assets | 84.6400% | 230 |
| Net loans and leases to deposits | 106.8125% | 264 |
| Net loans and leases to core deposits | 127.0510% | 461 |
| Total domestic deposits to total assets | 79.2500% | 3,574 |
| Equity capital to assets | 7.8816% | 3,496 |
| Core capital (leverage) ratio | 8.3622% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8771% | 2,280 |
| Memoranda: | ||
| Average total assets | $570,095,200 | 1,553 |
| Average earning assets | $539,546,800 | 1,526 |
| Average equity | $45,556,600 | 1,719 |
| Average total loans | $492,331,600 | 1,246 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6085% | 2,659 |
| Cost of funding earning assets | 1.8955% | 865 |
| Net interest margin | 2.7130% | 3,866 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.7769% | 1,483 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.0298% | 4,356 |
| Return on assets (ROA) | 0.0285% | 4,380 |
| Pretax return on assets | -0.0214% | 4,414 |
| Return on Equity (ROE) | 0.3600% | 4,362 |
| Retained earnings to average equity (ytd only) | 0.3554% | 4,062 |
| Net charge-offs to loans | 0.0076% | 2,135 |
| Credit loss provision to net charge-offs | -128.5714% | 4,531 |
| Earnings coverage of net charge-offs (x) | -4.2857% | 4,581 |
| Efficiency ratio | 101.0285% | 165 |
| Assets per employee ($millions) | 8.1789% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 3,742 |
| Loan loss allowance to noncurrent loans | 70.9043% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.1026% | 440 |
| Noncurrent loans to loans | 1.2656% | 606 |
| Net loans and leases to total assets | 86.3400% | 141 |
| Net loans and leases to deposits | 112.2735% | 157 |
| Net loans and leases to core deposits | 134.6303% | 284 |
| Total domestic deposits to total assets | 76.9000% | 3,938 |
| Equity capital to assets | 7.6610% | 3,267 |
| Core capital (leverage) ratio | 8.4256% | 4,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7059% | 2,388 |
| Memoranda: | ||
| Average total assets | $565,984,000 | 1,564 |
| Average earning assets | $535,289,250 | 1,537 |
| Average equity | $45,388,500 | 1,710 |
| Average total loans | $490,216,750 | 1,248 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5084% | 2,626 |
| Cost of funding earning assets | 1.7177% | 863 |
| Net interest margin | 2.7907% | 3,835 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.9165% | 1,181 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.0030% | 4,416 |
| Return on assets (ROA) | 0.0011% | 4,452 |
| Pretax return on assets | -0.0588% | 4,477 |
| Return on Equity (ROE) | 0.0100% | 4,439 |
| Retained earnings to average equity (ytd only) | 0.0131% | 4,067 |
| Net charge-offs to loans | 0.0066% | 1,995 |
| Credit loss provision to net charge-offs | -537.5000% | 4,600 |
| Earnings coverage of net charge-offs (x) | -15.2500% | 4,641 |
| Efficiency ratio | 103.0738% | 136 |
| Assets per employee ($millions) | 7.3793% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 3,727 |
| Loan loss allowance to noncurrent loans | 66.7754% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.1865% | 344 |
| Noncurrent loans to loans | 1.3727% | 512 |
| Net loans and leases to total assets | 85.6500% | 171 |
| Net loans and leases to deposits | 109.8882% | 205 |
| Net loans and leases to core deposits | 129.7254% | 333 |
| Total domestic deposits to total assets | 77.9400% | 3,856 |
| Equity capital to assets | 8.0091% | 3,214 |
| Core capital (leverage) ratio | 8.7416% | 3,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8950% | 2,334 |
| Memoranda: | ||
| Average total assets | $561,077,333 | 1,576 |
| Average earning assets | $530,829,333 | 1,549 |
| Average equity | $45,688,667 | 1,704 |
| Average total loans | $484,979,000 | 1,246 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5466% | 2,201 |
| Cost of funding earning assets | 1.4839% | 872 |
| Net interest margin | 3.0627% | 3,433 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.8606% | 1,317 |
| Loan and lease loss provision to assets | -0.1000% | 4,576 |
| Net operating income to assets | 0.2705% | 4,287 |
| Return on assets (ROA) | 0.2662% | 4,260 |
| Pretax return on assets | 0.3107% | 4,254 |
| Return on Equity (ROE) | 3.2400% | 4,152 |
| Retained earnings to average equity (ytd only) | 3.2417% | 3,451 |
| Net charge-offs to loans | 0.0133% | 1,458 |
| Credit loss provision to net charge-offs | -862.5000% | 4,650 |
| Earnings coverage of net charge-offs (x) | 18.8750% | 1,480 |
| Efficiency ratio | 92.9587% | 283 |
| Assets per employee ($millions) | 7.0183% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 3,772 |
| Loan loss allowance to noncurrent loans | 343.3642% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 1,946 |
| Noncurrent loans to loans | 0.2708% | 2,173 |
| Net loans and leases to total assets | 85.5100% | 154 |
| Net loans and leases to deposits | 109.2156% | 194 |
| Net loans and leases to core deposits | 127.9696% | 303 |
| Total domestic deposits to total assets | 78.2900% | 3,972 |
| Equity capital to assets | 8.3498% | 3,002 |
| Core capital (leverage) ratio | 8.7776% | 3,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3556% | 2,239 |
| Memoranda: | ||
| Average total assets | $557,513,500 | 1,606 |
| Average earning assets | $527,247,500 | 1,578 |
| Average equity | $45,779,000 | 1,717 |
| Average total loans | $481,891,000 | 1,263 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9615% | 1,820 |
| Cost of funding earning assets | 0.4829% | 1,508 |
| Net interest margin | 3.4786% | 1,997 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.8625% | 1,188 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.4320% | 4,205 |
| Return on assets (ROA) | 0.4320% | 4,167 |
| Pretax return on assets | 0.5358% | 4,120 |
| Return on Equity (ROE) | 5.0100% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.0143% | 3,043 |
| Net charge-offs to loans | -0.0244% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.4575% | 570 |
| Assets per employee ($millions) | 7.2803% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 3,605 |
| Loan loss allowance to noncurrent loans | 574.7815% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 2,534 |
| Noncurrent loans to loans | 0.1651% | 2,659 |
| Net loans and leases to total assets | 85.7400% | 171 |
| Net loans and leases to deposits | 109.6134% | 162 |
| Net loans and leases to core deposits | 124.2385% | 299 |
| Total domestic deposits to total assets | 78.2200% | 4,070 |
| Equity capital to assets | 8.0742% | 3,017 |
| Core capital (leverage) ratio | 8.8056% | 3,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1836% | 2,296 |
| Memoranda: | ||
| Average total assets | $530,069,800 | 1,660 |
| Average earning assets | $500,897,800 | 1,622 |
| Average equity | $45,669,800 | 1,738 |
| Average total loans | $442,456,600 | 1,288 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7891% | 1,793 |
| Cost of funding earning assets | 0.3020% | 2,143 |
| Net interest margin | 3.4871% | 1,698 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.8762% | 1,099 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.4392% | 4,182 |
| Return on assets (ROA) | 0.4392% | 4,127 |
| Pretax return on assets | 0.5451% | 4,079 |
| Return on Equity (ROE) | 5.0100% | 3,980 |
| Retained earnings to average equity (ytd only) | 5.0132% | 3,095 |
| Net charge-offs to loans | -0.0327% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.5762% | 627 |
| Assets per employee ($millions) | 6.9676% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 3,638 |
| Loan loss allowance to noncurrent loans | 554.1045% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 2,584 |
| Noncurrent loans to loans | 0.1741% | 2,720 |
| Net loans and leases to total assets | 83.0900% | 315 |
| Net loans and leases to deposits | 107.3505% | 165 |
| Net loans and leases to core deposits | 119.9851% | 257 |
| Total domestic deposits to total assets | 77.4000% | 4,299 |
| Equity capital to assets | 8.0072% | 2,891 |
| Core capital (leverage) ratio | 9.1006% | 3,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4541% | 2,285 |
| Memoranda: | ||
| Average total assets | $522,441,000 | 1,686 |
| Average earning assets | $493,546,000 | 1,657 |
| Average equity | $45,771,500 | 1,757 |
| Average total loans | $431,761,250 | 1,301 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 1,596 |
| Cost of funding earning assets | 0.2279% | 2,533 |
| Net interest margin | 3.4511% | 1,451 |
| Noninterest income to average assets | 0.1949% | 4,023 |
| Noninterest expense to average assets | 2.8294% | 1,116 |
| Loan and lease loss provision to assets | 0.0331% | 1,993 |
| Net operating income to assets | 0.4724% | 3,962 |
| Return on assets (ROA) | 0.4724% | 3,914 |
| Pretax return on assets | 0.5909% | 3,831 |
| Return on Equity (ROE) | 5.2312% | 3,771 |
| Retained earnings to average equity (ytd only) | 5.2312% | 2,620 |
| Net charge-offs to loans | -0.0503% | 4,238 |
| Credit loss provision to net charge-offs | -80.1887% | 3,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9300% | 803 |
| Assets per employee ($millions) | 6.9492% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 3,661 |
| Loan loss allowance to noncurrent loans | 531.2732% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 2,641 |
| Noncurrent loans to loans | 0.1856% | 2,778 |
| Net loans and leases to total assets | 81.7102% | 300 |
| Net loans and leases to deposits | 98.3157% | 330 |
| Net loans and leases to core deposits | 108.2774% | 388 |
| Total domestic deposits to total assets | 83.1100% | 3,862 |
| Equity capital to assets | 8.5530% | 2,721 |
| Core capital (leverage) ratio | 9.3052% | 3,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6941% | 2,212 |
| Memoranda: | ||
| Average total assets | $513,106,667 | 1,705 |
| Average earning assets | $484,481,000 | 1,689 |
| Average equity | $46,337,000 | 1,784 |
| Average total loans | $421,750,000 | 1,324 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6140% | 1,466 |
| Cost of funding earning assets | 0.2092% | 2,676 |
| Net interest margin | 3.4047% | 1,289 |
| Noninterest income to average assets | 0.2002% | 3,963 |
| Noninterest expense to average assets | 2.9004% | 959 |
| Loan and lease loss provision to assets | -0.0245% | 4,461 |
| Net operating income to assets | 0.4383% | 3,879 |
| Return on assets (ROA) | 0.4383% | 3,841 |
| Pretax return on assets | 0.5427% | 3,777 |
| Return on Equity (ROE) | 4.7230% | 3,693 |
| Retained earnings to average equity (ytd only) | 4.7230% | 2,695 |
| Net charge-offs to loans | -0.0878% | 4,421 |
| Credit loss provision to net charge-offs | 34.0659% | 1,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8415% | 795 |
| Assets per employee ($millions) | 6.7879% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 3,782 |
| Loan loss allowance to noncurrent loans | 194.9018% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 1,464 |
| Noncurrent loans to loans | 0.5060% | 1,761 |
| Net loans and leases to total assets | 81.0977% | 196 |
| Net loans and leases to deposits | 96.8225% | 262 |
| Net loans and leases to core deposits | 106.6387% | 336 |
| Total domestic deposits to total assets | 83.7592% | 3,810 |
| Equity capital to assets | 8.8951% | 2,806 |
| Core capital (leverage) ratio | 9.4549% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9050% | 2,255 |
| Memoranda: | ||
| Average total assets | $505,589,500 | 1,718 |
| Average earning assets | $477,922,500 | 1,707 |
| Average equity | $46,919,500 | 1,819 |
| Average total loans | $414,703,500 | 1,333 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6797% | 2,177 |
| Cost of funding earning assets | 0.3101% | 2,293 |
| Net interest margin | 3.3696% | 2,114 |
| Noninterest income to average assets | 0.3650% | 3,246 |
| Noninterest expense to average assets | 2.9869% | 1,003 |
| Loan and lease loss provision to assets | 0.0417% | 2,218 |
| Net operating income to assets | 0.4316% | 4,217 |
| Return on assets (ROA) | 0.4316% | 4,262 |
| Pretax return on assets | 0.5275% | 4,215 |
| Return on Equity (ROE) | 4.3754% | 4,135 |
| Retained earnings to average equity (ytd only) | 4.3754% | 3,063 |
| Net charge-offs to loans | 0.0102% | 2,176 |
| Credit loss provision to net charge-offs | 512.8205% | 786 |
| Earnings coverage of net charge-offs (x) | 69.9744% | 1,075 |
| Efficiency ratio | 83.9923% | 571 |
| Assets per employee ($millions) | 6.5171% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 3,708 |
| Loan loss allowance to noncurrent loans | 216.3857% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 1,695 |
| Noncurrent loans to loans | 0.4665% | 1,964 |
| Net loans and leases to total assets | 81.3177% | 208 |
| Net loans and leases to deposits | 95.5355% | 331 |
| Net loans and leases to core deposits | 105.8379% | 371 |
| Total domestic deposits to total assets | 85.1179% | 3,234 |
| Equity capital to assets | 9.6812% | 2,960 |
| Core capital (leverage) ratio | 9.3617% | 3,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2719% | 2,139 |
| Memoranda: | ||
| Average total assets | $479,387,200 | 1,746 |
| Average earning assets | $454,005,200 | 1,729 |
| Average equity | $47,287,000 | 1,851 |
| Average total loans | $384,195,400 | 1,417 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6777% | 2,338 |
| Cost of funding earning assets | 0.3307% | 2,292 |
| Net interest margin | 3.3469% | 2,299 |
| Noninterest income to average assets | 0.3865% | 3,173 |
| Noninterest expense to average assets | 2.9739% | 1,015 |
| Loan and lease loss provision to assets | -0.0111% | 4,323 |
| Net operating income to assets | 0.4776% | 4,243 |
| Return on assets (ROA) | 0.4776% | 4,287 |
| Pretax return on assets | 0.5909% | 4,246 |
| Return on Equity (ROE) | 4.8187% | 4,158 |
| Retained earnings to average equity (ytd only) | 4.8187% | 3,286 |
| Net charge-offs to loans | 0.0137% | 1,819 |
| Credit loss provision to net charge-offs | -100.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 1,209 |
| Efficiency ratio | 83.6872% | 536 |
| Assets per employee ($millions) | 6.1980% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 3,923 |
| Loan loss allowance to noncurrent loans | 188.7750% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 1,769 |
| Noncurrent loans to loans | 0.5176% | 2,008 |
| Net loans and leases to total assets | 81.0825% | 239 |
| Net loans and leases to deposits | 92.6602% | 463 |
| Net loans and leases to core deposits | 102.3553% | 512 |
| Total domestic deposits to total assets | 87.5052% | 2,107 |
| Equity capital to assets | 9.8525% | 3,050 |
| Core capital (leverage) ratio | 9.5884% | 2,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0522% | 2,344 |
| Memoranda: | ||
| Average total assets | $475,409,250 | 1,778 |
| Average earning assets | $449,877,000 | 1,762 |
| Average equity | $47,121,000 | 1,875 |
| Average total loans | $378,526,000 | 1,462 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 2,317 |
| Cost of funding earning assets | 0.3615% | 2,215 |
| Net interest margin | 3.3426% | 2,319 |
| Noninterest income to average assets | 0.4738% | 2,737 |
| Noninterest expense to average assets | 2.9602% | 1,048 |
| Loan and lease loss provision to assets | -0.0279% | 4,462 |
| Net operating income to assets | 0.5589% | 4,078 |
| Return on assets (ROA) | 0.5589% | 4,131 |
| Pretax return on assets | 0.7061% | 4,052 |
| Return on Equity (ROE) | 5.6271% | 3,992 |
| Retained earnings to average equity (ytd only) | 5.6271% | 2,950 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3605% | 709 |
| Assets per employee ($millions) | 6.1866% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 3,618 |
| Loan loss allowance to noncurrent loans | 256.1056% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 2,347 |
| Noncurrent loans to loans | 0.4104% | 2,450 |
| Net loans and leases to total assets | 75.6878% | 619 |
| Net loans and leases to deposits | 87.5211% | 809 |
| Net loans and leases to core deposits | 96.9004% | 766 |
| Total domestic deposits to total assets | 86.4795% | 2,556 |
| Equity capital to assets | 9.8792% | 2,971 |
| Core capital (leverage) ratio | 9.4044% | 3,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8023% | 2,048 |
| Memoranda: | ||
| Average total assets | $472,732,000 | 1,777 |
| Average earning assets | $447,557,333 | 1,768 |
| Average equity | $46,951,000 | 1,868 |
| Average total loans | $372,750,000 | 1,476 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7955% | 2,110 |
| Cost of funding earning assets | 0.4019% | 2,080 |
| Net interest margin | 3.3935% | 2,130 |
| Noninterest income to average assets | 0.6404% | 2,062 |
| Noninterest expense to average assets | 3.0567% | 903 |
| Loan and lease loss provision to assets | 0.0633% | 1,872 |
| Net operating income to assets | 0.5780% | 3,999 |
| Return on assets (ROA) | 0.5780% | 4,051 |
| Pretax return on assets | 0.7328% | 3,951 |
| Return on Equity (ROE) | 5.8038% | 3,917 |
| Retained earnings to average equity (ytd only) | 5.8038% | 2,961 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3387% | 862 |
| Assets per employee ($millions) | 6.4365% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 3,567 |
| Loan loss allowance to noncurrent loans | 156.9699% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.5305% | 1,793 |
| Noncurrent loans to loans | 0.6821% | 1,880 |
| Net loans and leases to total assets | 76.9462% | 541 |
| Net loans and leases to deposits | 92.0205% | 592 |
| Net loans and leases to core deposits | 102.2929% | 623 |
| Total domestic deposits to total assets | 83.6185% | 3,538 |
| Equity capital to assets | 9.6540% | 3,047 |
| Core capital (leverage) ratio | 9.6321% | 2,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5505% | 2,063 |
| Memoranda: | ||
| Average total assets | $467,819,500 | 1,781 |
| Average earning assets | $442,843,000 | 1,770 |
| Average equity | $46,590,000 | 1,869 |
| Average total loans | $374,566,500 | 1,475 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 2,596 |
| Cost of funding earning assets | 0.7375% | 1,523 |
| Net interest margin | 3.3084% | 3,051 |
| Noninterest income to average assets | 0.4884% | 2,680 |
| Noninterest expense to average assets | 2.9807% | 1,477 |
| Loan and lease loss provision to assets | 0.2063% | 1,911 |
| Net operating income to assets | 0.3632% | 4,319 |
| Return on assets (ROA) | 0.4100% | 4,305 |
| Pretax return on assets | 0.4807% | 4,301 |
| Return on Equity (ROE) | 4.1780% | 4,121 |
| Retained earnings to average equity (ytd only) | 4.1780% | 2,727 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5070% | 717 |
| Assets per employee ($millions) | 5.9592% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 3,654 |
| Loan loss allowance to noncurrent loans | 154.3215% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.5646% | 1,869 |
| Noncurrent loans to loans | 0.6843% | 1,976 |
| Net loans and leases to total assets | 81.6334% | 321 |
| Net loans and leases to deposits | 98.4610% | 441 |
| Net loans and leases to core deposits | 109.5176% | 526 |
| Total domestic deposits to total assets | 82.9094% | 3,437 |
| Equity capital to assets | 10.2840% | 2,848 |
| Core capital (leverage) ratio | 9.5321% | 3,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5827% | 2,023 |
| Memoranda: | ||
| Average total assets | $455,567,600 | 1,682 |
| Average earning assets | $430,210,800 | 1,663 |
| Average equity | $44,710,600 | 1,858 |
| Average total loans | $371,083,000 | 1,446 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0139% | 2,932 |
| Cost of funding earning assets | 0.8073% | 1,463 |
| Net interest margin | 3.2066% | 3,473 |
| Noninterest income to average assets | 0.3875% | 3,143 |
| Noninterest expense to average assets | 2.8628% | 1,793 |
| Loan and lease loss provision to assets | 0.2683% | 1,517 |
| Net operating income to assets | 0.2576% | 4,513 |
| Return on assets (ROA) | 0.3244% | 4,457 |
| Pretax return on assets | 0.3571% | 4,479 |
| Return on Equity (ROE) | 3.3450% | 4,330 |
| Retained earnings to average equity (ytd only) | 3.3450% | 3,378 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8340% | 615 |
| Assets per employee ($millions) | 6.6536% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 3,558 |
| Loan loss allowance to noncurrent loans | 144.5836% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 2,005 |
| Noncurrent loans to loans | 0.7132% | 2,011 |
| Net loans and leases to total assets | 79.7271% | 636 |
| Net loans and leases to deposits | 96.2854% | 740 |
| Net loans and leases to core deposits | 108.1707% | 763 |
| Total domestic deposits to total assets | 82.8028% | 3,190 |
| Equity capital to assets | 9.6335% | 3,570 |
| Core capital (leverage) ratio | 9.4164% | 3,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2113% | 2,100 |
| Memoranda: | ||
| Average total assets | $456,235,000 | 1,657 |
| Average earning assets | $430,721,250 | 1,638 |
| Average equity | $44,244,250 | 1,859 |
| Average total loans | $370,438,250 | 1,437 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 2,894 |
| Cost of funding earning assets | 0.8982% | 1,383 |
| Net interest margin | 3.2586% | 3,494 |
| Noninterest income to average assets | 0.2994% | 3,676 |
| Noninterest expense to average assets | 2.7925% | 2,115 |
| Loan and lease loss provision to assets | 0.3429% | 1,241 |
| Net operating income to assets | 0.2170% | 4,549 |
| Return on assets (ROA) | 0.3194% | 4,435 |
| Pretax return on assets | 0.3478% | 4,474 |
| Return on Equity (ROE) | 3.2860% | 4,290 |
| Retained earnings to average equity (ytd only) | 3.2860% | 3,275 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8181% | 708 |
| Assets per employee ($millions) | 6.6949% | 1,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 3,589 |
| Loan loss allowance to noncurrent loans | 146.0944% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 2,155 |
| Noncurrent loans to loans | 0.6832% | 2,164 |
| Net loans and leases to total assets | 79.9635% | 598 |
| Net loans and leases to deposits | 97.5611% | 687 |
| Net loans and leases to core deposits | 111.3798% | 690 |
| Total domestic deposits to total assets | 81.9625% | 3,383 |
| Equity capital to assets | 9.6310% | 3,538 |
| Core capital (leverage) ratio | 9.4815% | 3,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1336% | 2,126 |
| Memoranda: | ||
| Average total assets | $450,845,667 | 1,653 |
| Average earning assets | $425,087,000 | 1,632 |
| Average equity | $43,822,667 | 1,863 |
| Average total loans | $367,065,333 | 1,441 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4210% | 2,540 |
| Cost of funding earning assets | 1.0234% | 1,324 |
| Net interest margin | 3.3976% | 3,303 |
| Noninterest income to average assets | 0.2833% | 3,827 |
| Noninterest expense to average assets | 2.9189% | 2,074 |
| Loan and lease loss provision to assets | 0.0932% | 2,518 |
| Net operating income to assets | 0.4073% | 4,119 |
| Return on assets (ROA) | 0.4073% | 4,157 |
| Pretax return on assets | 0.4833% | 4,148 |
| Return on Equity (ROE) | 4.1699% | 3,906 |
| Retained earnings to average equity (ytd only) | 4.1699% | 2,616 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5060% | 862 |
| Assets per employee ($millions) | 6.6511% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 4,248 |
| Loan loss allowance to noncurrent loans | 309.2537% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 3,505 |
| Noncurrent loans to loans | 0.2781% | 3,495 |
| Net loans and leases to total assets | 80.4099% | 650 |
| Net loans and leases to deposits | 96.8946% | 830 |
| Net loans and leases to core deposits | 115.6712% | 602 |
| Total domestic deposits to total assets | 82.9870% | 3,119 |
| Equity capital to assets | 9.6907% | 4,051 |
| Core capital (leverage) ratio | 9.7517% | 3,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8070% | 1,971 |
| Memoranda: | ||
| Average total assets | $441,946,000 | 1,642 |
| Average earning assets | $417,825,000 | 1,607 |
| Average equity | $43,166,500 | 1,875 |
| Average total loans | $361,336,500 | 1,419 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2987% | 3,544 |
| Cost of funding earning assets | 1.1137% | 1,275 |
| Net interest margin | 3.1850% | 4,218 |
| Noninterest income to average assets | 0.2955% | 3,915 |
| Noninterest expense to average assets | 2.6344% | 3,079 |
| Loan and lease loss provision to assets | 0.0602% | 2,836 |
| Net operating income to assets | 0.4690% | 4,471 |
| Return on assets (ROA) | 0.4732% | 4,503 |
| Pretax return on assets | 0.6139% | 4,387 |
| Return on Equity (ROE) | 4.8941% | 4,234 |
| Retained earnings to average equity (ytd only) | 4.8941% | 2,475 |
| Net charge-offs to loans | 0.0062% | 3,454 |
| Credit loss provision to net charge-offs | 1,181.8182% | 294 |
| Earnings coverage of net charge-offs (x) | 131.3636% | 557 |
| Efficiency ratio | 79.7548% | 965 |
| Assets per employee ($millions) | 6.8480% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 4,211 |
| Loan loss allowance to noncurrent loans | 298.8072% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 3,526 |
| Noncurrent loans to loans | 0.2785% | 3,445 |
| Net loans and leases to total assets | 81.7384% | 582 |
| Net loans and leases to deposits | 100.9875% | 529 |
| Net loans and leases to core deposits | 120.1898% | 472 |
| Total domestic deposits to total assets | 80.9391% | 3,779 |
| Equity capital to assets | 9.8453% | 4,062 |
| Core capital (leverage) ratio | 9.8161% | 3,714 |
| Tier 1 risk-based capital ratio | 13.5699% | 3,474 |
| Total risk-based capital ratio | 14.6411% | 3,470 |
| Memoranda: | ||
| Average total assets | $432,160,800 | 1,620 |
| Average earning assets | $408,097,200 | 1,590 |
| Average equity | $41,784,600 | 1,856 |
| Average total loans | $355,162,400 | 1,397 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 3,647 |
| Cost of funding earning assets | 1.1350% | 1,223 |
| Net interest margin | 3.1671% | 4,366 |
| Noninterest income to average assets | 0.2848% | 4,034 |
| Noninterest expense to average assets | 2.6203% | 3,104 |
| Loan and lease loss provision to assets | 0.0681% | 2,521 |
| Net operating income to assets | 0.4486% | 4,624 |
| Return on assets (ROA) | 0.4542% | 4,651 |
| Pretax return on assets | 0.5938% | 4,551 |
| Return on Equity (ROE) | 4.7196% | 4,414 |
| Retained earnings to average equity (ytd only) | 4.7196% | 3,045 |
| Net charge-offs to loans | 0.0083% | 3,074 |
| Credit loss provision to net charge-offs | 1,000.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 96.1449% | 773 |
| Efficiency ratio | 80.0057% | 924 |
| Assets per employee ($millions) | 6.6544% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8230% | 4,337 |
| Loan loss allowance to noncurrent loans | 331.3966% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 3,754 |
| Noncurrent loans to loans | 0.2484% | 3,654 |
| Net loans and leases to total assets | 81.3772% | 651 |
| Net loans and leases to deposits | 101.8640% | 513 |
| Net loans and leases to core deposits | 121.1614% | 499 |
| Total domestic deposits to total assets | 79.8881% | 4,013 |
| Equity capital to assets | 9.7429% | 4,254 |
| Core capital (leverage) ratio | 9.7352% | 3,928 |
| Tier 1 risk-based capital ratio | 13.3366% | 3,665 |
| Total risk-based capital ratio | 14.3785% | 3,682 |
| Memoranda: | ||
| Average total assets | $430,633,750 | 1,637 |
| Average earning assets | $406,585,250 | 1,604 |
| Average equity | $41,443,500 | 1,877 |
| Average total loans | $353,643,000 | 1,412 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3257% | 3,559 |
| Cost of funding earning assets | 1.1295% | 1,197 |
| Net interest margin | 3.1962% | 4,376 |
| Noninterest income to average assets | 0.2712% | 4,125 |
| Noninterest expense to average assets | 2.4513% | 3,604 |
| Loan and lease loss provision to assets | 0.0584% | 2,657 |
| Net operating income to assets | 0.5827% | 4,354 |
| Return on assets (ROA) | 0.5765% | 4,402 |
| Pretax return on assets | 0.7700% | 4,165 |
| Return on Equity (ROE) | 6.0154% | 4,043 |
| Retained earnings to average equity (ytd only) | 6.0154% | 2,278 |
| Net charge-offs to loans | 0.0011% | 3,142 |
| Credit loss provision to net charge-offs | 6,250.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 894.5000% | 79 |
| Efficiency ratio | 74.5592% | 1,575 |
| Assets per employee ($millions) | 7.1888% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 4,377 |
| Loan loss allowance to noncurrent loans | 339.3192% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 3,784 |
| Noncurrent loans to loans | 0.2409% | 3,676 |
| Net loans and leases to total assets | 81.3215% | 692 |
| Net loans and leases to deposits | 102.7239% | 491 |
| Net loans and leases to core deposits | 122.7962% | 466 |
| Total domestic deposits to total assets | 79.1651% | 4,191 |
| Equity capital to assets | 9.8021% | 4,138 |
| Core capital (leverage) ratio | 9.5995% | 4,042 |
| Tier 1 risk-based capital ratio | 13.5471% | 3,553 |
| Total risk-based capital ratio | 14.5833% | 3,571 |
| Memoranda: | ||
| Average total assets | $427,781,000 | 1,648 |
| Average earning assets | $403,726,670 | 1,615 |
| Average equity | $40,994,670 | 1,895 |
| Average total loans | $351,401,330 | 1,426 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2580% | 3,679 |
| Cost of funding earning assets | 1.0787% | 1,262 |
| Net interest margin | 3.1793% | 4,430 |
| Noninterest income to average assets | 0.2638% | 4,117 |
| Noninterest expense to average assets | 2.4535% | 3,624 |
| Loan and lease loss provision to assets | 0.0610% | 2,436 |
| Net operating income to assets | 0.5628% | 4,353 |
| Return on assets (ROA) | 0.5502% | 4,410 |
| Pretax return on assets | 0.7333% | 4,214 |
| Return on Equity (ROE) | 5.8088% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.8088% | 2,543 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1726% | 1,594 |
| Assets per employee ($millions) | 7.1756% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8012% | 4,517 |
| Loan loss allowance to noncurrent loans | 209.0775% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 3,336 |
| Noncurrent loans to loans | 0.3832% | 3,215 |
| Net loans and leases to total assets | 81.4727% | 647 |
| Net loans and leases to deposits | 104.4406% | 381 |
| Net loans and leases to core deposits | 126.2743% | 374 |
| Total domestic deposits to total assets | 78.0087% | 4,513 |
| Equity capital to assets | 9.4781% | 4,281 |
| Core capital (leverage) ratio | 9.6587% | 3,961 |
| Tier 1 risk-based capital ratio | 13.2174% | 3,761 |
| Total risk-based capital ratio | 14.2318% | 3,784 |
| Memoranda: | ||
| Average total assets | $426,009,000 | 1,658 |
| Average earning assets | $401,975,000 | 1,626 |
| Average equity | $40,352,500 | 1,918 |
| Average total loans | $350,276,500 | 1,435 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0505% | 3,891 |
| Cost of funding earning assets | 0.8149% | 1,455 |
| Net interest margin | 3.2356% | 4,416 |
| Noninterest income to average assets | 0.3049% | 4,072 |
| Noninterest expense to average assets | 2.5251% | 3,539 |
| Loan and lease loss provision to assets | 0.0911% | 2,328 |
| Net operating income to assets | 0.5424% | 4,560 |
| Return on assets (ROA) | 0.5391% | 4,567 |
| Pretax return on assets | 0.7350% | 4,328 |
| Return on Equity (ROE) | 5.7392% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.7392% | 2,332 |
| Net charge-offs to loans | 0.0021% | 3,670 |
| Credit loss provision to net charge-offs | 5,357.1429% | 88 |
| Earnings coverage of net charge-offs (x) | 488.1429% | 215 |
| Efficiency ratio | 75.2571% | 1,458 |
| Assets per employee ($millions) | 6.9095% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7978% | 4,544 |
| Loan loss allowance to noncurrent loans | 203.8292% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 3,266 |
| Noncurrent loans to loans | 0.3914% | 3,131 |
| Net loans and leases to total assets | 81.6601% | 702 |
| Net loans and leases to deposits | 103.6531% | 499 |
| Net loans and leases to core deposits | 124.9926% | 418 |
| Total domestic deposits to total assets | 78.7821% | 4,356 |
| Equity capital to assets | 9.4662% | 4,158 |
| Core capital (leverage) ratio | 9.5672% | 4,042 |
| Tier 1 risk-based capital ratio | 13.3172% | 3,653 |
| Total risk-based capital ratio | 14.3231% | 3,691 |
| Memoranda: | ||
| Average total assets | $411,591,600 | 1,664 |
| Average earning assets | $388,030,000 | 1,629 |
| Average equity | $38,664,000 | 1,913 |
| Average total loans | $335,735,400 | 1,460 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9756% | 4,002 |
| Cost of funding earning assets | 0.7418% | 1,614 |
| Net interest margin | 3.2338% | 4,443 |
| Noninterest income to average assets | 0.3106% | 4,068 |
| Noninterest expense to average assets | 2.4729% | 3,672 |
| Loan and lease loss provision to assets | 0.1108% | 1,822 |
| Net operating income to assets | 0.5623% | 4,611 |
| Return on assets (ROA) | 0.5579% | 4,630 |
| Pretax return on assets | 0.7704% | 4,372 |
| Return on Equity (ROE) | 5.9512% | 4,278 |
| Retained earnings to average equity (ytd only) | 5.9512% | 2,679 |
| Net charge-offs to loans | 0.0028% | 3,375 |
| Credit loss provision to net charge-offs | 4,857.1429% | 82 |
| Earnings coverage of net charge-offs (x) | 388.8435% | 242 |
| Efficiency ratio | 73.6056% | 1,653 |
| Assets per employee ($millions) | 6.9017% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7861% | 4,671 |
| Loan loss allowance to noncurrent loans | 182.8094% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 3,255 |
| Noncurrent loans to loans | 0.4300% | 3,116 |
| Net loans and leases to total assets | 81.9267% | 730 |
| Net loans and leases to deposits | 102.2658% | 629 |
| Net loans and leases to core deposits | 125.1085% | 437 |
| Total domestic deposits to total assets | 80.1115% | 4,093 |
| Equity capital to assets | 9.2408% | 4,335 |
| Core capital (leverage) ratio | 9.5091% | 4,164 |
| Tier 1 risk-based capital ratio | 13.1073% | 3,845 |
| Total risk-based capital ratio | 14.0836% | 3,904 |
| Memoranda: | ||
| Average total assets | $409,119,500 | 1,680 |
| Average earning assets | $385,744,000 | 1,649 |
| Average equity | $38,355,500 | 1,931 |
| Average total loans | $332,932,000 | 1,470 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9024% | 4,078 |
| Cost of funding earning assets | 0.6691% | 1,816 |
| Net interest margin | 3.2333% | 4,427 |
| Noninterest income to average assets | 0.3001% | 4,173 |
| Noninterest expense to average assets | 2.4835% | 3,674 |
| Loan and lease loss provision to assets | 0.0987% | 1,963 |
| Net operating income to assets | 0.5539% | 4,622 |
| Return on assets (ROA) | 0.5539% | 4,623 |
| Pretax return on assets | 0.7666% | 4,345 |
| Return on Equity (ROE) | 5.8786% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.8786% | 2,621 |
| Net charge-offs to loans | 0.0043% | 3,023 |
| Credit loss provision to net charge-offs | 2,857.1429% | 152 |
| Earnings coverage of net charge-offs (x) | 250.4286% | 357 |
| Efficiency ratio | 74.1598% | 1,687 |
| Assets per employee ($millions) | 7.0163% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7705% | 4,780 |
| Loan loss allowance to noncurrent loans | 159.9630% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 3,174 |
| Noncurrent loans to loans | 0.4817% | 2,994 |
| Net loans and leases to total assets | 80.6732% | 914 |
| Net loans and leases to deposits | 99.2360% | 858 |
| Net loans and leases to core deposits | 120.0817% | 560 |
| Total domestic deposits to total assets | 81.2943% | 3,919 |
| Equity capital to assets | 9.3158% | 4,270 |
| Core capital (leverage) ratio | 9.5737% | 4,025 |
| Tier 1 risk-based capital ratio | 13.3257% | 3,719 |
| Total risk-based capital ratio | 14.2803% | 3,794 |
| Memoranda: | ||
| Average total assets | $405,158,330 | 1,704 |
| Average earning assets | $382,023,000 | 1,681 |
| Average equity | $38,172,670 | 1,944 |
| Average total loans | $328,027,000 | 1,490 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8197% | 4,162 |
| Cost of funding earning assets | 0.5973% | 2,070 |
| Net interest margin | 3.2224% | 4,394 |
| Noninterest income to average assets | 0.2845% | 4,273 |
| Noninterest expense to average assets | 2.4953% | 3,662 |
| Loan and lease loss provision to assets | 0.1248% | 1,509 |
| Net operating income to assets | 0.5050% | 4,685 |
| Return on assets (ROA) | 0.5050% | 4,690 |
| Pretax return on assets | 0.7017% | 4,440 |
| Return on Equity (ROE) | 5.3295% | 4,380 |
| Retained earnings to average equity (ytd only) | 5.3295% | 3,025 |
| Net charge-offs to loans | 0.0074% | 2,477 |
| Credit loss provision to net charge-offs | 2,083.3333% | 181 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 467 |
| Efficiency ratio | 75.1202% | 1,729 |
| Assets per employee ($millions) | 7.1805% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7556% | 4,904 |
| Loan loss allowance to noncurrent loans | 190.6889% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 3,542 |
| Noncurrent loans to loans | 0.3963% | 3,368 |
| Net loans and leases to total assets | 80.8327% | 816 |
| Net loans and leases to deposits | 97.9170% | 869 |
| Net loans and leases to core deposits | 115.9841% | 727 |
| Total domestic deposits to total assets | 82.5522% | 3,800 |
| Equity capital to assets | 9.2726% | 4,295 |
| Core capital (leverage) ratio | 9.7080% | 3,836 |
| Tier 1 risk-based capital ratio | 13.2431% | 3,817 |
| Total risk-based capital ratio | 14.1849% | 3,874 |
| Memoranda: | ||
| Average total assets | $400,755,500 | 1,733 |
| Average earning assets | $377,730,000 | 1,707 |
| Average equity | $37,977,000 | 1,954 |
| Average total loans | $323,765,000 | 1,510 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7187% | 4,292 |
| Cost of funding earning assets | 0.4117% | 3,142 |
| Net interest margin | 3.3071% | 4,138 |
| Noninterest income to average assets | 0.2676% | 4,520 |
| Noninterest expense to average assets | 2.7624% | 2,915 |
| Loan and lease loss provision to assets | 0.0027% | 4,192 |
| Net operating income to assets | 0.4157% | 4,642 |
| Return on assets (ROA) | 0.4249% | 4,630 |
| Pretax return on assets | 0.6472% | 4,634 |
| Return on Equity (ROE) | 4.1776% | 4,452 |
| Retained earnings to average equity (ytd only) | 4.1776% | 2,662 |
| Net charge-offs to loans | 0.0007% | 4,108 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 1,164.5000% | 63 |
| Efficiency ratio | 81.2842% | 982 |
| Assets per employee ($millions) | 6.2257% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7639% | 4,922 |
| Loan loss allowance to noncurrent loans | 185.4714% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 3,551 |
| Noncurrent loans to loans | 0.4119% | 3,294 |
| Net loans and leases to total assets | 79.4886% | 1,037 |
| Net loans and leases to deposits | 96.6408% | 1,026 |
| Net loans and leases to core deposits | 111.1681% | 940 |
| Total domestic deposits to total assets | 82.2516% | 3,802 |
| Equity capital to assets | 9.6889% | 4,042 |
| Core capital (leverage) ratio | 10.0033% | 3,455 |
| Tier 1 risk-based capital ratio | 13.5989% | 3,573 |
| Total risk-based capital ratio | 14.5343% | 3,666 |
| Memoranda: | ||
| Average total assets | $366,173,400 | 1,846 |
| Average earning assets | $346,649,000 | 1,812 |
| Average equity | $37,246,200 | 1,962 |
| Average total loans | $294,794,000 | 1,589 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6987% | 4,325 |
| Cost of funding earning assets | 0.3860% | 3,322 |
| Net interest margin | 3.3127% | 4,126 |
| Noninterest income to average assets | 0.2584% | 4,654 |
| Noninterest expense to average assets | 2.8081% | 2,694 |
| Loan and lease loss provision to assets | -0.0241% | 5,486 |
| Net operating income to assets | 0.3883% | 5,022 |
| Return on assets (ROA) | 0.4004% | 5,028 |
| Pretax return on assets | 0.6335% | 4,772 |
| Return on Equity (ROE) | 3.8858% | 4,887 |
| Retained earnings to average equity (ytd only) | 3.8858% | 3,610 |
| Net charge-offs to loans | 0.0009% | 3,760 |
| Credit loss provision to net charge-offs | -3,250.0000% | 5,138 |
| Earnings coverage of net charge-offs (x) | 795.4869% | 130 |
| Efficiency ratio | 82.6243% | 866 |
| Assets per employee ($millions) | 6.3142% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 4,990 |
| Loan loss allowance to noncurrent loans | 178.7087% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.3492% | 3,641 |
| Noncurrent loans to loans | 0.4273% | 3,418 |
| Net loans and leases to total assets | 81.0979% | 826 |
| Net loans and leases to deposits | 101.6818% | 639 |
| Net loans and leases to core deposits | 108.7816% | 1,108 |
| Total domestic deposits to total assets | 79.7566% | 4,373 |
| Equity capital to assets | 10.0903% | 3,815 |
| Core capital (leverage) ratio | 10.4163% | 3,070 |
| Tier 1 risk-based capital ratio | 14.0595% | 3,415 |
| Total risk-based capital ratio | 15.0081% | 3,485 |
| Memoranda: | ||
| Average total assets | $359,661,500 | 1,884 |
| Average earning assets | $340,943,250 | 1,850 |
| Average equity | $37,057,250 | 1,986 |
| Average total loans | $289,949,750 | 1,618 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 4,260 |
| Cost of funding earning assets | 0.3710% | 3,371 |
| Net interest margin | 3.3181% | 4,056 |
| Noninterest income to average assets | 0.2561% | 4,701 |
| Noninterest expense to average assets | 2.7622% | 2,885 |
| Loan and lease loss provision to assets | 0.0507% | 2,975 |
| Net operating income to assets | 0.3722% | 5,041 |
| Return on assets (ROA) | 0.3906% | 5,023 |
| Pretax return on assets | 0.6179% | 4,767 |
| Return on Equity (ROE) | 3.7636% | 4,889 |
| Retained earnings to average equity (ytd only) | 3.7636% | 3,448 |
| Net charge-offs to loans | 0.0014% | 3,472 |
| Credit loss provision to net charge-offs | 4,500.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 568.5000% | 147 |
| Efficiency ratio | 81.1911% | 1,088 |
| Assets per employee ($millions) | 6.0951% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 4,808 |
| Loan loss allowance to noncurrent loans | 190.0383% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 3,660 |
| Noncurrent loans to loans | 0.4480% | 3,407 |
| Net loans and leases to total assets | 80.3081% | 908 |
| Net loans and leases to deposits | 96.4180% | 1,041 |
| Net loans and leases to core deposits | 102.2681% | 1,489 |
| Total domestic deposits to total assets | 83.2916% | 3,472 |
| Equity capital to assets | 10.3576% | 3,505 |
| Core capital (leverage) ratio | 10.5440% | 2,866 |
| Tier 1 risk-based capital ratio | 14.5836% | 3,121 |
| Total risk-based capital ratio | 15.6326% | 3,151 |
| Memoranda: | ||
| Average total assets | $355,370,000 | 1,900 |
| Average earning assets | $336,944,000 | 1,871 |
| Average equity | $36,879,670 | 1,985 |
| Average total loans | $285,118,330 | 1,637 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6760% | 4,182 |
| Cost of funding earning assets | 0.3655% | 3,361 |
| Net interest margin | 3.3106% | 3,970 |
| Noninterest income to average assets | 0.2899% | 4,480 |
| Noninterest expense to average assets | 2.8252% | 2,706 |
| Loan and lease loss provision to assets | 0.1019% | 1,860 |
| Net operating income to assets | 0.3193% | 5,144 |
| Return on assets (ROA) | 0.3193% | 5,171 |
| Pretax return on assets | 0.5016% | 4,966 |
| Return on Equity (ROE) | 3.0739% | 5,076 |
| Retained earnings to average equity (ytd only) | 3.0739% | 3,874 |
| Net charge-offs to loans | 0.0028% | 2,870 |
| Credit loss provision to net charge-offs | 4,500.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 266.5000% | 218 |
| Efficiency ratio | 82.3976% | 1,122 |
| Assets per employee ($millions) | 6.2327% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8712% | 4,858 |
| Loan loss allowance to noncurrent loans | 184.7988% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 3,716 |
| Noncurrent loans to loans | 0.4714% | 3,402 |
| Net loans and leases to total assets | 78.0569% | 1,131 |
| Net loans and leases to deposits | 92.2282% | 1,307 |
| Net loans and leases to core deposits | 95.7181% | 1,837 |
| Total domestic deposits to total assets | 84.6345% | 3,249 |
| Equity capital to assets | 10.1920% | 3,513 |
| Core capital (leverage) ratio | 10.4713% | 2,935 |
| Tier 1 risk-based capital ratio | 15.0107% | 2,959 |
| Total risk-based capital ratio | 16.1147% | 2,962 |
| Memoranda: | ||
| Average total assets | $353,250,000 | 1,918 |
| Average earning assets | $334,925,500 | 1,888 |
| Average equity | $36,696,000 | 1,997 |
| Average total loans | $282,039,500 | 1,660 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6249% | 4,448 |
| Cost of funding earning assets | 0.3245% | 3,803 |
| Net interest margin | 3.3004% | 4,144 |
| Noninterest income to average assets | 0.9460% | 1,274 |
| Noninterest expense to average assets | 2.7182% | 3,286 |
| Loan and lease loss provision to assets | 0.0901% | 2,563 |
| Net operating income to assets | 1.0097% | 2,311 |
| Return on assets (ROA) | 1.0097% | 2,408 |
| Pretax return on assets | 1.2658% | 2,414 |
| Return on Equity (ROE) | 9.7561% | 2,077 |
| Retained earnings to average equity (ytd only) | 9.7561% | 457 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7190% | 3,477 |
| Assets per employee ($millions) | 6.0527% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 4,942 |
| Loan loss allowance to noncurrent loans | 135.8319% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 3,224 |
| Noncurrent loans to loans | 0.6302% | 2,959 |
| Net loans and leases to total assets | 80.2990% | 852 |
| Net loans and leases to deposits | 92.4241% | 1,389 |
| Net loans and leases to core deposits | 96.8830% | 1,844 |
| Total domestic deposits to total assets | 86.8809% | 2,207 |
| Equity capital to assets | 10.5936% | 3,050 |
| Core capital (leverage) ratio | 10.4462% | 2,936 |
| Tier 1 risk-based capital ratio | 15.3681% | 2,810 |
| Total risk-based capital ratio | 16.4701% | 2,810 |
| Memoranda: | ||
| Average total assets | $343,973,200 | 1,927 |
| Average earning assets | $326,020,600 | 1,891 |
| Average equity | $35,598,200 | 2,048 |
| Average total loans | $272,948,200 | 1,655 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 4,540 |
| Cost of funding earning assets | 0.3163% | 3,912 |
| Net interest margin | 3.2887% | 4,223 |
| Noninterest income to average assets | 1.1455% | 876 |
| Noninterest expense to average assets | 2.6797% | 3,400 |
| Loan and lease loss provision to assets | 0.0970% | 2,285 |
| Net operating income to assets | 1.2196% | 1,563 |
| Return on assets (ROA) | 1.2196% | 1,663 |
| Pretax return on assets | 1.4861% | 1,754 |
| Return on Equity (ROE) | 11.8547% | 1,371 |
| Retained earnings to average equity (ytd only) | 11.8547% | 324 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8629% | 4,092 |
| Assets per employee ($millions) | 6.4924% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8520% | 5,030 |
| Loan loss allowance to noncurrent loans | 93.1682% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 2,810 |
| Noncurrent loans to loans | 0.9145% | 2,416 |
| Net loans and leases to total assets | 75.9939% | 1,523 |
| Net loans and leases to deposits | 89.8401% | 1,781 |
| Net loans and leases to core deposits | 93.4313% | 2,239 |
| Total domestic deposits to total assets | 84.5879% | 2,992 |
| Equity capital to assets | 10.2001% | 3,915 |
| Core capital (leverage) ratio | 10.3509% | 3,155 |
| Tier 1 risk-based capital ratio | 15.8237% | 2,693 |
| Total risk-based capital ratio | 16.9355% | 2,689 |
| Memoranda: | ||
| Average total assets | $343,716,000 | 1,928 |
| Average earning assets | $325,792,000 | 1,901 |
| Average equity | $35,360,750 | 2,072 |
| Average total loans | $271,329,000 | 1,665 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6270% | 4,516 |
| Cost of funding earning assets | 0.3039% | 4,080 |
| Net interest margin | 3.3231% | 4,147 |
| Noninterest income to average assets | 0.3496% | 4,277 |
| Noninterest expense to average assets | 2.6234% | 3,644 |
| Loan and lease loss provision to assets | 0.0943% | 2,271 |
| Net operating income to assets | 0.4822% | 4,756 |
| Return on assets (ROA) | 1.6677% | 657 |
| Pretax return on assets | 1.9631% | 613 |
| Return on Equity (ROE) | 16.1626% | 517 |
| Retained earnings to average equity (ytd only) | 16.1626% | 111 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0548% | 2,215 |
| Assets per employee ($millions) | 6.1833% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8170% | 5,231 |
| Loan loss allowance to noncurrent loans | 100.1787% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 3,034 |
| Noncurrent loans to loans | 0.8156% | 2,706 |
| Net loans and leases to total assets | 80.0287% | 893 |
| Net loans and leases to deposits | 97.4328% | 936 |
| Net loans and leases to core deposits | 101.3982% | 1,519 |
| Total domestic deposits to total assets | 82.1373% | 3,963 |
| Equity capital to assets | 10.6345% | 3,488 |
| Core capital (leverage) ratio | 10.6035% | 2,848 |
| Tier 1 risk-based capital ratio | 15.7056% | 2,780 |
| Total risk-based capital ratio | 16.7773% | 2,788 |
| Memoranda: | ||
| Average total assets | $339,260,000 | 1,965 |
| Average earning assets | $321,144,000 | 1,925 |
| Average equity | $35,006,670 | 2,085 |
| Average total loans | $270,540,670 | 1,671 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6201% | 4,567 |
| Cost of funding earning assets | 0.2961% | 4,203 |
| Net interest margin | 3.3241% | 4,131 |
| Noninterest income to average assets | 0.3353% | 4,333 |
| Noninterest expense to average assets | 2.5722% | 3,839 |
| Loan and lease loss provision to assets | 0.0826% | 2,302 |
| Net operating income to assets | 0.5088% | 4,594 |
| Return on assets (ROA) | 2.8827% | 108 |
| Pretax return on assets | 3.1955% | 115 |
| Return on Equity (ROE) | 28.3731% | 62 |
| Retained earnings to average equity (ytd only) | 28.3731% | 30 |
| Net charge-offs to loans | 0.0030% | 3,018 |
| Credit loss provision to net charge-offs | 3,500.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 383.0000% | 158 |
| Efficiency ratio | 73.9898% | 2,479 |
| Assets per employee ($millions) | 6.7781% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7943% | 5,374 |
| Loan loss allowance to noncurrent loans | 89.5833% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 0.7082% | 2,943 |
| Noncurrent loans to loans | 0.8867% | 2,625 |
| Net loans and leases to total assets | 79.2294% | 920 |
| Net loans and leases to deposits | 93.3910% | 1,200 |
| Net loans and leases to core deposits | 97.0879% | 1,702 |
| Total domestic deposits to total assets | 84.8363% | 3,190 |
| Equity capital to assets | 10.5409% | 3,438 |
| Core capital (leverage) ratio | 10.4146% | 3,057 |
| Tier 1 risk-based capital ratio | 15.8106% | 2,777 |
| Total risk-based capital ratio | 16.8451% | 2,794 |
| Memoranda: | ||
| Average total assets | $338,848,500 | 1,973 |
| Average earning assets | $320,208,000 | 1,934 |
| Average equity | $34,427,000 | 2,119 |
| Average total loans | $268,608,000 | 1,676 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6449% | 4,541 |
| Cost of funding earning assets | 0.2591% | 4,695 |
| Net interest margin | 3.3857% | 3,960 |
| Noninterest income to average assets | 0.3783% | 4,194 |
| Noninterest expense to average assets | 2.7542% | 3,400 |
| Loan and lease loss provision to assets | 0.0756% | 2,760 |
| Net operating income to assets | 0.4475% | 4,892 |
| Return on assets (ROA) | 0.4475% | 4,975 |
| Pretax return on assets | 0.7045% | 4,523 |
| Return on Equity (ROE) | 4.3783% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.3783% | 2,857 |
| Net charge-offs to loans | 0.0085% | 4,159 |
| Credit loss provision to net charge-offs | 1,142.8571% | 298 |
| Earnings coverage of net charge-offs (x) | 117.9524% | 511 |
| Efficiency ratio | 77.9273% | 1,982 |
| Assets per employee ($millions) | 6.6429% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7811% | 5,460 |
| Loan loss allowance to noncurrent loans | 61.2894% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 1.0027% | 2,191 |
| Noncurrent loans to loans | 1.2744% | 1,850 |
| Net loans and leases to total assets | 78.0631% | 1,109 |
| Net loans and leases to deposits | 93.0990% | 1,301 |
| Net loans and leases to core deposits | 96.4948% | 1,799 |
| Total domestic deposits to total assets | 83.8496% | 3,545 |
| Equity capital to assets | 9.7789% | 4,212 |
| Core capital (leverage) ratio | 9.9985% | 3,511 |
| Tier 1 risk-based capital ratio | 14.8036% | 3,272 |
| Total risk-based capital ratio | 15.8061% | 3,327 |
| Memoranda: | ||
| Average total assets | $317,513,400 | 2,059 |
| Average earning assets | $295,978,200 | 2,042 |
| Average equity | $32,455,400 | 2,171 |
| Average total loans | $246,285,800 | 1,748 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6503% | 4,574 |
| Cost of funding earning assets | 0.2521% | 4,860 |
| Net interest margin | 3.3981% | 3,965 |
| Noninterest income to average assets | 0.3976% | 4,102 |
| Noninterest expense to average assets | 2.7922% | 3,222 |
| Loan and lease loss provision to assets | 0.0769% | 2,652 |
| Net operating income to assets | 0.4382% | 5,015 |
| Return on assets (ROA) | 0.4382% | 5,112 |
| Pretax return on assets | 0.6884% | 4,719 |
| Return on Equity (ROE) | 4.2369% | 4,937 |
| Retained earnings to average equity (ytd only) | 4.2369% | 3,450 |
| Net charge-offs to loans | 0.0116% | 3,769 |
| Credit loss provision to net charge-offs | 857.1429% | 417 |
| Earnings coverage of net charge-offs (x) | 85.3311% | 711 |
| Efficiency ratio | 78.4874% | 1,889 |
| Assets per employee ($millions) | 5.8166% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 5,509 |
| Loan loss allowance to noncurrent loans | 49.3773% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 1.2572% | 1,862 |
| Noncurrent loans to loans | 1.6267% | 1,518 |
| Net loans and leases to total assets | 76.6635% | 1,297 |
| Net loans and leases to deposits | 90.4450% | 1,589 |
| Net loans and leases to core deposits | 93.5452% | 2,122 |
| Total domestic deposits to total assets | 84.7625% | 3,104 |
| Equity capital to assets | 10.0903% | 4,061 |
| Core capital (leverage) ratio | 10.2502% | 3,308 |
| Tier 1 risk-based capital ratio | 15.4876% | 3,056 |
| Total risk-based capital ratio | 16.5141% | 3,095 |
| Memoranda: | ||
| Average total assets | $312,194,250 | 2,092 |
| Average earning assets | $290,310,000 | 2,092 |
| Average equity | $32,286,750 | 2,200 |
| Average total loans | $241,219,250 | 1,795 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6508% | 4,574 |
| Cost of funding earning assets | 0.2497% | 4,945 |
| Net interest margin | 3.4011% | 3,906 |
| Noninterest income to average assets | 0.4030% | 4,065 |
| Noninterest expense to average assets | 2.8211% | 3,157 |
| Loan and lease loss provision to assets | 0.0683% | 2,750 |
| Net operating income to assets | 0.4251% | 5,064 |
| Return on assets (ROA) | 0.4251% | 5,166 |
| Pretax return on assets | 0.6663% | 4,772 |
| Return on Equity (ROE) | 4.0756% | 4,987 |
| Retained earnings to average equity (ytd only) | 4.0756% | 3,429 |
| Net charge-offs to loans | 0.0177% | 3,346 |
| Credit loss provision to net charge-offs | 500.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 53.8095% | 906 |
| Efficiency ratio | 79.3419% | 1,861 |
| Assets per employee ($millions) | 5.9862% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7933% | 5,614 |
| Loan loss allowance to noncurrent loans | 42.2893% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 1.4791% | 1,672 |
| Noncurrent loans to loans | 1.8759% | 1,343 |
| Net loans and leases to total assets | 78.2190% | 1,042 |
| Net loans and leases to deposits | 93.1724% | 1,235 |
| Net loans and leases to core deposits | 96.0318% | 1,796 |
| Total domestic deposits to total assets | 83.9508% | 3,587 |
| Equity capital to assets | 10.4106% | 3,549 |
| Core capital (leverage) ratio | 10.4203% | 3,062 |
| Tier 1 risk-based capital ratio | 16.1338% | 2,786 |
| Total risk-based capital ratio | 17.1779% | 2,850 |
| Memoranda: | ||
| Average total assets | $307,682,330 | 2,138 |
| Average earning assets | $285,198,000 | 2,127 |
| Average equity | $32,093,330 | 2,219 |
| Average total loans | $237,713,000 | 1,822 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6575% | 4,510 |
| Cost of funding earning assets | 0.2465% | 5,058 |
| Net interest margin | 3.4110% | 3,798 |
| Noninterest income to average assets | 0.3897% | 4,092 |
| Noninterest expense to average assets | 2.8377% | 3,111 |
| Loan and lease loss provision to assets | 0.0392% | 3,122 |
| Net operating income to assets | 0.4211% | 4,991 |
| Return on assets (ROA) | 0.4211% | 5,113 |
| Pretax return on assets | 0.6617% | 4,720 |
| Return on Equity (ROE) | 4.0329% | 4,967 |
| Retained earnings to average equity (ytd only) | 4.0329% | 3,585 |
| Net charge-offs to loans | 0.0308% | 2,572 |
| Credit loss provision to net charge-offs | 166.6667% | 1,169 |
| Earnings coverage of net charge-offs (x) | 29.7778% | 1,155 |
| Efficiency ratio | 80.1922% | 1,878 |
| Assets per employee ($millions) | 5.5410% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 5,711 |
| Loan loss allowance to noncurrent loans | 55.5227% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 1.0883% | 2,446 |
| Noncurrent loans to loans | 1.4291% | 2,003 |
| Net loans and leases to total assets | 75.5516% | 1,275 |
| Net loans and leases to deposits | 88.0127% | 1,608 |
| Net loans and leases to core deposits | 90.7794% | 2,059 |
| Total domestic deposits to total assets | 85.8417% | 3,017 |
| Equity capital to assets | 10.3691% | 3,689 |
| Core capital (leverage) ratio | 10.6061% | 2,843 |
| Tier 1 risk-based capital ratio | 16.6279% | 2,624 |
| Total risk-based capital ratio | 17.6783% | 2,661 |
| Memoranda: | ||
| Average total assets | $305,883,500 | 2,160 |
| Average earning assets | $282,381,500 | 2,161 |
| Average equity | $31,937,000 | 2,238 |
| Average total loans | $233,856,000 | 1,846 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7033% | 4,776 |
| Cost of funding earning assets | 0.2645% | 5,170 |
| Net interest margin | 3.4388% | 4,027 |
| Noninterest income to average assets | 0.3819% | 4,329 |
| Noninterest expense to average assets | 2.9294% | 3,052 |
| Loan and lease loss provision to assets | 0.0301% | 4,006 |
| Net operating income to assets | 0.3782% | 5,296 |
| Return on assets (ROA) | 0.3973% | 5,298 |
| Pretax return on assets | 0.6155% | 4,892 |
| Return on Equity (ROE) | 3.8407% | 5,186 |
| Retained earnings to average equity (ytd only) | 3.8407% | 3,481 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6206% | 1,581 |
| Assets per employee ($millions) | 5.0245% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8051% | 5,760 |
| Loan loss allowance to noncurrent loans | 54.6014% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 1.1318% | 2,496 |
| Noncurrent loans to loans | 1.4745% | 1,989 |
| Net loans and leases to total assets | 76.1402% | 1,245 |
| Net loans and leases to deposits | 87.2089% | 1,826 |
| Net loans and leases to core deposits | 89.9938% | 2,286 |
| Total domestic deposits to total assets | 87.3078% | 2,124 |
| Equity capital to assets | 10.5148% | 3,458 |
| Core capital (leverage) ratio | 10.7102% | 2,706 |
| Tier 1 risk-based capital ratio | 16.7683% | 2,613 |
| Total risk-based capital ratio | 17.8315% | 2,628 |
| Memoranda: | ||
| Average total assets | $298,765,400 | 2,164 |
| Average earning assets | $274,861,200 | 2,165 |
| Average equity | $30,905,800 | 2,226 |
| Average total loans | $224,571,800 | 1,868 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7163% | 4,809 |
| Cost of funding earning assets | 0.2666% | 5,244 |
| Net interest margin | 3.4497% | 4,022 |
| Noninterest income to average assets | 0.3619% | 4,538 |
| Noninterest expense to average assets | 2.9793% | 2,869 |
| Loan and lease loss provision to assets | 0.0403% | 3,607 |
| Net operating income to assets | 0.3358% | 5,470 |
| Return on assets (ROA) | 0.3614% | 5,468 |
| Pretax return on assets | 0.5533% | 5,175 |
| Return on Equity (ROE) | 3.5083% | 5,362 |
| Retained earnings to average equity (ytd only) | 3.5083% | 4,141 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3165% | 1,353 |
| Assets per employee ($millions) | 5.1163% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8392% | 5,774 |
| Loan loss allowance to noncurrent loans | 54.8587% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 1.1645% | 2,617 |
| Noncurrent loans to loans | 1.5298% | 2,117 |
| Net loans and leases to total assets | 75.4822% | 1,286 |
| Net loans and leases to deposits | 85.3646% | 1,987 |
| Net loans and leases to core deposits | 88.3190% | 2,391 |
| Total domestic deposits to total assets | 88.4233% | 1,543 |
| Equity capital to assets | 10.7020% | 3,301 |
| Core capital (leverage) ratio | 10.6241% | 2,897 |
| Tier 1 risk-based capital ratio | 17.1647% | 2,542 |
| Total risk-based capital ratio | 18.2661% | 2,567 |
| Memoranda: | ||
| Average total assets | $298,089,500 | 2,184 |
| Average earning assets | $274,066,250 | 2,183 |
| Average equity | $30,707,500 | 2,246 |
| Average total loans | $222,864,250 | 1,886 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7126% | 4,818 |
| Cost of funding earning assets | 0.2675% | 5,313 |
| Net interest margin | 3.4451% | 3,999 |
| Noninterest income to average assets | 0.3557% | 4,577 |
| Noninterest expense to average assets | 3.1321% | 2,389 |
| Loan and lease loss provision to assets | 0.0400% | 3,511 |
| Net operating income to assets | 0.2338% | 5,750 |
| Return on assets (ROA) | 0.2731% | 5,728 |
| Pretax return on assets | 0.4077% | 5,539 |
| Return on Equity (ROE) | 2.6850% | 5,637 |
| Retained earnings to average equity (ytd only) | 2.6850% | 4,500 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9519% | 996 |
| Assets per employee ($millions) | 5.4979% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8301% | 5,906 |
| Loan loss allowance to noncurrent loans | 51.8529% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 1.1482% | 2,781 |
| Noncurrent loans to loans | 1.6009% | 2,166 |
| Net loans and leases to total assets | 71.1247% | 1,903 |
| Net loans and leases to deposits | 83.2323% | 2,120 |
| Net loans and leases to core deposits | 86.2734% | 2,488 |
| Total domestic deposits to total assets | 85.4532% | 3,307 |
| Equity capital to assets | 10.0324% | 4,060 |
| Core capital (leverage) ratio | 10.2832% | 3,231 |
| Tier 1 risk-based capital ratio | 16.9462% | 2,643 |
| Total risk-based capital ratio | 18.0312% | 2,682 |
| Memoranda: | ||
| Average total assets | $300,243,000 | 2,173 |
| Average earning assets | $275,868,000 | 2,172 |
| Average equity | $30,540,000 | 2,246 |
| Average total loans | $223,155,330 | 1,877 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8200% | 4,398 |
| Cost of funding earning assets | 0.2693% | 5,393 |
| Net interest margin | 3.5507% | 3,479 |
| Noninterest income to average assets | 0.3441% | 4,622 |
| Noninterest expense to average assets | 3.3317% | 1,869 |
| Loan and lease loss provision to assets | 0.0405% | 3,272 |
| Net operating income to assets | 0.1646% | 5,893 |
| Return on assets (ROA) | 0.1646% | 5,934 |
| Pretax return on assets | 0.2281% | 5,875 |
| Return on Equity (ROE) | 1.6071% | 5,896 |
| Retained earnings to average equity (ytd only) | 1.6071% | 4,965 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5412% | 843 |
| Assets per employee ($millions) | 5.4393% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8062% | 6,089 |
| Loan loss allowance to noncurrent loans | 50.2789% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 1.1987% | 2,859 |
| Noncurrent loans to loans | 1.6035% | 2,415 |
| Net loans and leases to total assets | 74.1535% | 1,243 |
| Net loans and leases to deposits | 88.6447% | 1,293 |
| Net loans and leases to core deposits | 92.5003% | 1,684 |
| Total domestic deposits to total assets | 83.6525% | 4,401 |
| Equity capital to assets | 10.1952% | 3,606 |
| Core capital (leverage) ratio | 10.2443% | 3,225 |
| Tier 1 risk-based capital ratio | 16.3449% | 2,979 |
| Total risk-based capital ratio | 17.4172% | 3,041 |
| Memoranda: | ||
| Average total assets | $296,423,500 | 2,195 |
| Average earning assets | $271,834,500 | 2,204 |
| Average equity | $30,366,000 | 2,251 |
| Average total loans | $224,326,500 | 1,870 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8083% | 4,789 |
| Cost of funding earning assets | 0.3315% | 5,311 |
| Net interest margin | 3.4768% | 3,998 |
| Noninterest income to average assets | 0.4493% | 4,092 |
| Noninterest expense to average assets | 2.9857% | 3,094 |
| Loan and lease loss provision to assets | 0.0526% | 4,085 |
| Net operating income to assets | 0.3696% | 5,262 |
| Return on assets (ROA) | 0.3837% | 5,313 |
| Pretax return on assets | 0.6122% | 4,837 |
| Return on Equity (ROE) | 3.6526% | 5,257 |
| Retained earnings to average equity (ytd only) | 3.6526% | 3,624 |
| Net charge-offs to loans | -0.0118% | 6,046 |
| Credit loss provision to net charge-offs | -600.0000% | 6,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2870% | 1,841 |
| Assets per employee ($millions) | 5.4387% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7880% | 6,198 |
| Loan loss allowance to noncurrent loans | 41.7373% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 1.4464% | 2,576 |
| Noncurrent loans to loans | 1.8879% | 2,130 |
| Net loans and leases to total assets | 76.0126% | 1,072 |
| Net loans and leases to deposits | 90.4435% | 1,190 |
| Net loans and leases to core deposits | 94.6783% | 1,550 |
| Total domestic deposits to total assets | 84.0443% | 4,151 |
| Equity capital to assets | 10.2939% | 3,399 |
| Core capital (leverage) ratio | 10.4357% | 2,981 |
| Tier 1 risk-based capital ratio | 15.8431% | 3,182 |
| Total risk-based capital ratio | 16.8751% | 3,249 |
| Memoranda: | ||
| Average total assets | $285,358,800 | 2,230 |
| Average earning assets | $260,932,200 | 2,245 |
| Average equity | $29,978,800 | 2,250 |
| Average total loans | $212,632,200 | 1,913 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8290% | 4,738 |
| Cost of funding earning assets | 0.3503% | 5,290 |
| Net interest margin | 3.4787% | 3,971 |
| Noninterest income to average assets | 0.4683% | 4,010 |
| Noninterest expense to average assets | 2.9384% | 3,174 |
| Loan and lease loss provision to assets | 0.0565% | 3,926 |
| Net operating income to assets | 0.4038% | 5,232 |
| Return on assets (ROA) | 0.4038% | 5,366 |
| Pretax return on assets | 0.6519% | 4,849 |
| Return on Equity (ROE) | 3.8240% | 5,298 |
| Retained earnings to average equity (ytd only) | 3.8240% | 3,968 |
| Net charge-offs to loans | -0.0006% | 5,649 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5756% | 2,022 |
| Assets per employee ($millions) | 5.1319% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7935% | 6,296 |
| Loan loss allowance to noncurrent loans | 51.3594% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 1.1646% | 3,327 |
| Noncurrent loans to loans | 1.5450% | 2,849 |
| Net loans and leases to total assets | 74.7836% | 1,163 |
| Net loans and leases to deposits | 87.8210% | 1,387 |
| Net loans and leases to core deposits | 91.8606% | 1,776 |
| Total domestic deposits to total assets | 85.1546% | 3,659 |
| Equity capital to assets | 10.5070% | 3,267 |
| Core capital (leverage) ratio | 10.5699% | 2,928 |
| Tier 1 risk-based capital ratio | 16.4579% | 2,953 |
| Total risk-based capital ratio | 17.5082% | 3,023 |
| Memoranda: | ||
| Average total assets | $283,276,500 | 2,256 |
| Average earning assets | $258,823,250 | 2,266 |
| Average equity | $29,915,500 | 2,276 |
| Average total loans | $209,537,000 | 1,937 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 4,546 |
| Cost of funding earning assets | 0.3732% | 5,202 |
| Net interest margin | 3.5076% | 3,749 |
| Noninterest income to average assets | 0.4924% | 3,884 |
| Noninterest expense to average assets | 3.1450% | 2,529 |
| Loan and lease loss provision to assets | 0.0639% | 3,740 |
| Net operating income to assets | 0.3022% | 5,595 |
| Return on assets (ROA) | 0.3022% | 5,748 |
| Pretax return on assets | 0.4846% | 5,419 |
| Return on Equity (ROE) | 2.8570% | 5,678 |
| Retained earnings to average equity (ytd only) | 2.8570% | 4,493 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1517% | 1,505 |
| Assets per employee ($millions) | 5.1003% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 6,349 |
| Loan loss allowance to noncurrent loans | 50.1485% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 1.1785% | 3,395 |
| Noncurrent loans to loans | 1.5968% | 2,916 |
| Net loans and leases to total assets | 73.2113% | 1,369 |
| Net loans and leases to deposits | 85.1369% | 1,666 |
| Net loans and leases to core deposits | 89.7315% | 1,931 |
| Total domestic deposits to total assets | 85.9924% | 3,372 |
| Equity capital to assets | 10.3908% | 3,439 |
| Core capital (leverage) ratio | 10.2893% | 3,112 |
| Tier 1 risk-based capital ratio | 16.6175% | 2,880 |
| Total risk-based capital ratio | 17.6769% | 2,929 |
| Memoranda: | ||
| Average total assets | $281,906,000 | 2,280 |
| Average earning assets | $257,267,670 | 2,290 |
| Average equity | $29,822,000 | 2,283 |
| Average total loans | $207,170,000 | 1,960 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8827% | 4,540 |
| Cost of funding earning assets | 0.3919% | 5,186 |
| Net interest margin | 3.4908% | 3,738 |
| Noninterest income to average assets | 0.4871% | 3,869 |
| Noninterest expense to average assets | 3.0252% | 2,901 |
| Loan and lease loss provision to assets | 0.0857% | 3,234 |
| Net operating income to assets | 0.3485% | 5,358 |
| Return on assets (ROA) | 0.3485% | 5,501 |
| Pretax return on assets | 0.5570% | 5,092 |
| Return on Equity (ROE) | 3.2649% | 5,456 |
| Retained earnings to average equity (ytd only) | 3.2649% | 4,294 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4766% | 1,968 |
| Assets per employee ($millions) | 5.1591% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7871% | 6,477 |
| Loan loss allowance to noncurrent loans | 53.4666% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 1.0929% | 3,746 |
| Noncurrent loans to loans | 1.4721% | 3,350 |
| Net loans and leases to total assets | 73.6563% | 1,126 |
| Net loans and leases to deposits | 85.2726% | 1,445 |
| Net loans and leases to core deposits | 90.0431% | 1,689 |
| Total domestic deposits to total assets | 86.3774% | 3,313 |
| Equity capital to assets | 10.5710% | 3,460 |
| Core capital (leverage) ratio | 10.5610% | 2,696 |
| Tier 1 risk-based capital ratio | 16.6089% | 2,948 |
| Total risk-based capital ratio | 17.6418% | 3,013 |
| Memoranda: | ||
| Average total assets | $280,050,500 | 2,314 |
| Average earning assets | $255,183,500 | 2,330 |
| Average equity | $29,894,000 | 2,300 |
| Average total loans | $205,359,000 | 1,982 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0564% | 5,115 |
| Cost of funding earning assets | 0.6016% | 4,340 |
| Net interest margin | 3.4548% | 4,689 |
| Noninterest income to average assets | 1.0117% | 1,499 |
| Noninterest expense to average assets | 3.3933% | 2,063 |
| Loan and lease loss provision to assets | 0.0107% | 5,785 |
| Net operating income to assets | 0.4713% | 4,798 |
| Return on assets (ROA) | 0.5241% | 4,853 |
| Pretax return on assets | 0.8072% | 4,263 |
| Return on Equity (ROE) | 5.0052% | 4,673 |
| Retained earnings to average equity (ytd only) | 5.0052% | 2,700 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1605% | 1,841 |
| Assets per employee ($millions) | 4.7647% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7988% | 6,490 |
| Loan loss allowance to noncurrent loans | 53.4269% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 1.0823% | 3,856 |
| Noncurrent loans to loans | 1.4950% | 3,362 |
| Net loans and leases to total assets | 71.8153% | 1,518 |
| Net loans and leases to deposits | 82.1929% | 1,974 |
| Net loans and leases to core deposits | 86.8589% | 2,202 |
| Total domestic deposits to total assets | 87.3741% | 2,594 |
| Equity capital to assets | 10.7808% | 3,191 |
| Core capital (leverage) ratio | 10.5088% | 2,755 |
| Tier 1 risk-based capital ratio | 17.0189% | 2,642 |
| Total risk-based capital ratio | 18.0435% | 2,714 |
| Memoranda: | ||
| Average total assets | $279,727,400 | 2,273 |
| Average earning assets | $252,490,400 | 2,294 |
| Average equity | $29,289,600 | 2,296 |
| Average total loans | $188,524,800 | 2,106 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1014% | 5,183 |
| Cost of funding earning assets | 0.6420% | 4,266 |
| Net interest margin | 3.4594% | 4,810 |
| Noninterest income to average assets | 1.0440% | 1,387 |
| Noninterest expense to average assets | 3.3973% | 2,007 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5025% | 4,837 |
| Return on assets (ROA) | 0.5427% | 4,914 |
| Pretax return on assets | 0.8264% | 4,393 |
| Return on Equity (ROE) | 5.2210% | 4,719 |
| Retained earnings to average equity (ytd only) | 5.2210% | 3,211 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6096% | 1,849 |
| Assets per employee ($millions) | 4.8243% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 6,537 |
| Loan loss allowance to noncurrent loans | 54.4067% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 1.3416% | 3,614 |
| Noncurrent loans to loans | 1.5334% | 3,491 |
| Net loans and leases to total assets | 66.6121% | 2,540 |
| Net loans and leases to deposits | 76.9087% | 2,831 |
| Net loans and leases to core deposits | 81.8261% | 2,987 |
| Total domestic deposits to total assets | 86.6119% | 2,916 |
| Equity capital to assets | 10.5973% | 3,735 |
| Core capital (leverage) ratio | 10.1238% | 3,365 |
| Tier 1 risk-based capital ratio | 17.2100% | 2,647 |
| Total risk-based capital ratio | 18.2454% | 2,692 |
| Memoranda: | ||
| Average total assets | $280,571,250 | 2,294 |
| Average earning assets | $252,950,500 | 2,317 |
| Average equity | $29,163,750 | 2,326 |
| Average total loans | $185,640,750 | 2,159 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1608% | 5,083 |
| Cost of funding earning assets | 0.6694% | 4,281 |
| Net interest margin | 3.4914% | 4,709 |
| Noninterest income to average assets | 1.2442% | 922 |
| Noninterest expense to average assets | 3.3373% | 2,193 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6928% | 3,903 |
| Return on assets (ROA) | 0.6581% | 4,330 |
| Pretax return on assets | 1.0042% | 3,695 |
| Return on Equity (ROE) | 6.3722% | 4,117 |
| Retained earnings to average equity (ytd only) | 6.3722% | 2,457 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9481% | 2,751 |
| Assets per employee ($millions) | 4.6064% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8435% | 6,582 |
| Loan loss allowance to noncurrent loans | 56.3826% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 1.3089% | 3,810 |
| Noncurrent loans to loans | 1.4961% | 3,661 |
| Net loans and leases to total assets | 65.5958% | 2,754 |
| Net loans and leases to deposits | 77.1388% | 2,816 |
| Net loans and leases to core deposits | 82.5667% | 2,888 |
| Total domestic deposits to total assets | 85.0361% | 3,840 |
| Equity capital to assets | 10.4972% | 3,693 |
| Core capital (leverage) ratio | 10.1595% | 3,192 |
| Tier 1 risk-based capital ratio | 17.1186% | 2,620 |
| Total risk-based capital ratio | 18.1552% | 2,673 |
| Memoranda: | ||
| Average total assets | $280,825,670 | 2,297 |
| Average earning assets | $253,367,670 | 2,326 |
| Average equity | $29,001,000 | 2,325 |
| Average total loans | $184,869,670 | 2,164 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1452% | 5,293 |
| Cost of funding earning assets | 0.6819% | 4,444 |
| Net interest margin | 3.4633% | 4,860 |
| Noninterest income to average assets | 2.0032% | 407 |
| Noninterest expense to average assets | 3.3141% | 2,247 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1642% | 1,841 |
| Return on assets (ROA) | 1.1113% | 2,209 |
| Pretax return on assets | 1.7325% | 1,227 |
| Return on Equity (ROE) | 10.8509% | 2,087 |
| Retained earnings to average equity (ytd only) | 10.8509% | 1,073 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6111% | 4,819 |
| Assets per employee ($millions) | 4.6138% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 6,678 |
| Loan loss allowance to noncurrent loans | 50.4180% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 1.1050% | 4,284 |
| Noncurrent loans to loans | 1.6561% | 3,616 |
| Net loans and leases to total assets | 66.1677% | 2,440 |
| Net loans and leases to deposits | 77.6754% | 2,576 |
| Net loans and leases to core deposits | 83.2397% | 2,647 |
| Total domestic deposits to total assets | 85.1848% | 3,946 |
| Equity capital to assets | 10.3972% | 3,618 |
| Core capital (leverage) ratio | 10.0839% | 3,264 |
| Tier 1 risk-based capital ratio | 16.8374% | 2,742 |
| Total risk-based capital ratio | 17.8640% | 2,817 |
| Memoranda: | ||
| Average total assets | $280,744,000 | 2,309 |
| Average earning assets | $253,403,000 | 2,337 |
| Average equity | $28,753,500 | 2,339 |
| Average total loans | $184,362,000 | 2,180 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3039% | 5,753 |
| Cost of funding earning assets | 0.8100% | 4,792 |
| Net interest margin | 3.4939% | 5,167 |
| Noninterest income to average assets | 0.4484% | 4,228 |
| Noninterest expense to average assets | 3.2457% | 2,703 |
| Loan and lease loss provision to assets | 0.0539% | 5,919 |
| Net operating income to assets | 0.2412% | 5,456 |
| Return on assets (ROA) | 0.3582% | 5,206 |
| Pretax return on assets | 0.4412% | 5,163 |
| Return on Equity (ROE) | 3.6043% | 5,020 |
| Retained earnings to average equity (ytd only) | 3.6043% | 3,649 |
| Net charge-offs to loans | 0.1822% | 4,695 |
| Credit loss provision to net charge-offs | 46.4396% | 5,505 |
| Earnings coverage of net charge-offs (x) | 3.0217% | 3,699 |
| Efficiency ratio | 90.2488% | 1,164 |
| Assets per employee ($millions) | 4.6675% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8666% | 6,610 |
| Loan loss allowance to noncurrent loans | 45.2525% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 1.2373% | 4,161 |
| Noncurrent loans to loans | 1.9151% | 3,324 |
| Net loans and leases to total assets | 64.0482% | 3,183 |
| Net loans and leases to deposits | 74.9305% | 3,352 |
| Net loans and leases to core deposits | 80.8384% | 3,335 |
| Total domestic deposits to total assets | 85.4767% | 3,610 |
| Equity capital to assets | 10.0858% | 4,054 |
| Core capital (leverage) ratio | 9.5622% | 3,930 |
| Tier 1 risk-based capital ratio | 16.3363% | 2,893 |
| Total risk-based capital ratio | 17.3918% | 2,942 |
| Memoranda: | ||
| Average total assets | $278,307,800 | 2,280 |
| Average earning assets | $250,750,200 | 2,297 |
| Average equity | $27,661,200 | 2,351 |
| Average total loans | $177,260,400 | 2,290 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3259% | 5,866 |
| Cost of funding earning assets | 0.8390% | 4,862 |
| Net interest margin | 3.4869% | 5,237 |
| Noninterest income to average assets | 0.4055% | 4,625 |
| Noninterest expense to average assets | 3.2273% | 2,739 |
| Loan and lease loss provision to assets | 0.0720% | 5,554 |
| Net operating income to assets | 0.2107% | 5,673 |
| Return on assets (ROA) | 0.3714% | 5,310 |
| Pretax return on assets | 0.4362% | 5,354 |
| Return on Equity (ROE) | 3.7505% | 5,109 |
| Retained earnings to average equity (ytd only) | 3.7505% | 4,079 |
| Net charge-offs to loans | 0.2291% | 4,003 |
| Credit loss provision to net charge-offs | 49.5050% | 5,045 |
| Earnings coverage of net charge-offs (x) | 2.1947% | 4,029 |
| Efficiency ratio | 91.0026% | 1,111 |
| Assets per employee ($millions) | 4.4449% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 6,653 |
| Loan loss allowance to noncurrent loans | 45.5406% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 1.2452% | 4,308 |
| Noncurrent loans to loans | 1.9377% | 3,444 |
| Net loans and leases to total assets | 63.6940% | 3,368 |
| Net loans and leases to deposits | 74.5415% | 3,583 |
| Net loans and leases to core deposits | 80.7752% | 3,517 |
| Total domestic deposits to total assets | 85.4477% | 3,526 |
| Equity capital to assets | 10.0053% | 4,334 |
| Core capital (leverage) ratio | 9.4719% | 4,196 |
| Tier 1 risk-based capital ratio | 16.3145% | 2,962 |
| Total risk-based capital ratio | 17.3914% | 3,010 |
| Memoranda: | ||
| Average total assets | $277,873,000 | 2,292 |
| Average earning assets | $250,299,750 | 2,316 |
| Average equity | $27,515,250 | 2,359 |
| Average total loans | $176,342,250 | 2,314 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3238% | 5,943 |
| Cost of funding earning assets | 0.8591% | 4,989 |
| Net interest margin | 3.4646% | 5,305 |
| Noninterest income to average assets | 0.3644% | 4,962 |
| Noninterest expense to average assets | 3.1961% | 2,911 |
| Loan and lease loss provision to assets | 0.1082% | 4,950 |
| Net operating income to assets | 0.1720% | 5,826 |
| Return on assets (ROA) | 0.3572% | 5,282 |
| Pretax return on assets | 0.3796% | 5,457 |
| Return on Equity (ROE) | 3.6201% | 5,107 |
| Retained earnings to average equity (ytd only) | 3.6201% | 3,928 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6598% | 1,112 |
| Assets per employee ($millions) | 4.5082% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 6,110 |
| Loan loss allowance to noncurrent loans | 52.4404% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 1.2901% | 4,321 |
| Noncurrent loans to loans | 2.0149% | 3,462 |
| Net loans and leases to total assets | 63.3527% | 3,613 |
| Net loans and leases to deposits | 74.1661% | 3,783 |
| Net loans and leases to core deposits | 80.1140% | 3,770 |
| Total domestic deposits to total assets | 85.4201% | 3,658 |
| Equity capital to assets | 9.9289% | 4,245 |
| Core capital (leverage) ratio | 9.4505% | 4,026 |
| Tier 1 risk-based capital ratio | 16.1878% | 2,890 |
| Total risk-based capital ratio | 17.4379% | 2,860 |
| Memoranda: | ||
| Average total assets | $277,153,670 | 2,310 |
| Average earning assets | $249,783,000 | 2,329 |
| Average equity | $27,347,670 | 2,358 |
| Average total loans | $175,139,330 | 2,351 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 5,790 |
| Cost of funding earning assets | 0.8983% | 4,934 |
| Net interest margin | 3.4713% | 5,139 |
| Noninterest income to average assets | 0.3696% | 4,955 |
| Noninterest expense to average assets | 3.2582% | 2,684 |
| Loan and lease loss provision to assets | 0.2174% | 3,479 |
| Net operating income to assets | 0.0594% | 6,213 |
| Return on assets (ROA) | 0.3957% | 5,061 |
| Pretax return on assets | 0.3609% | 5,470 |
| Return on Equity (ROE) | 4.0228% | 4,892 |
| Retained earnings to average equity (ytd only) | 4.0228% | 3,757 |
| Net charge-offs to loans | 0.0023% | 5,095 |
| Credit loss provision to net charge-offs | 15,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 188 |
| Efficiency ratio | 93.0849% | 1,095 |
| Assets per employee ($millions) | 4.3431% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 6,065 |
| Loan loss allowance to noncurrent loans | 76.2404% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.8919% | 5,122 |
| Noncurrent loans to loans | 1.4367% | 4,317 |
| Net loans and leases to total assets | 61.3972% | 3,986 |
| Net loans and leases to deposits | 72.0308% | 4,074 |
| Net loans and leases to core deposits | 77.9856% | 4,022 |
| Total domestic deposits to total assets | 85.2374% | 3,931 |
| Equity capital to assets | 9.7615% | 4,087 |
| Core capital (leverage) ratio | 9.4154% | 3,937 |
| Tier 1 risk-based capital ratio | 16.5422% | 2,647 |
| Total risk-based capital ratio | 17.7988% | 2,617 |
| Memoranda: | ||
| Average total assets | $275,976,500 | 2,337 |
| Average earning assets | $248,901,500 | 2,355 |
| Average equity | $27,145,500 | 2,360 |
| Average total loans | $173,225,500 | 2,387 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 5,992 |
| Cost of funding earning assets | 1.1563% | 4,815 |
| Net interest margin | 3.4824% | 5,313 |
| Noninterest income to average assets | 0.5811% | 3,584 |
| Noninterest expense to average assets | 3.3614% | 2,555 |
| Loan and lease loss provision to assets | 0.0402% | 6,756 |
| Net operating income to assets | 0.2770% | 5,012 |
| Return on assets (ROA) | 0.3240% | 5,013 |
| Pretax return on assets | 0.4133% | 4,908 |
| Return on Equity (ROE) | 3.2939% | 4,825 |
| Retained earnings to average equity (ytd only) | 3.2939% | 3,565 |
| Net charge-offs to loans | 0.2075% | 5,046 |
| Credit loss provision to net charge-offs | 30.1370% | 6,490 |
| Earnings coverage of net charge-offs (x) | 2.9452% | 3,600 |
| Efficiency ratio | 89.5285% | 1,359 |
| Assets per employee ($millions) | 4.1514% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 6,380 |
| Loan loss allowance to noncurrent loans | 62.0677% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.0237% | 4,952 |
| Noncurrent loans to loans | 1.6130% | 4,088 |
| Net loans and leases to total assets | 62.8339% | 4,104 |
| Net loans and leases to deposits | 74.7282% | 4,076 |
| Net loans and leases to core deposits | 81.0856% | 4,046 |
| Total domestic deposits to total assets | 84.0832% | 4,321 |
| Equity capital to assets | 9.9119% | 3,866 |
| Core capital (leverage) ratio | 9.3844% | 3,872 |
| Tier 1 risk-based capital ratio | 16.6700% | 2,467 |
| Total risk-based capital ratio | 17.8934% | 2,452 |
| Memoranda: | ||
| Average total assets | $273,425,600 | 2,332 |
| Average earning assets | $249,167,400 | 2,348 |
| Average equity | $26,898,000 | 2,382 |
| Average total loans | $175,915,800 | 2,397 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 6,094 |
| Cost of funding earning assets | 1.1920% | 4,904 |
| Net interest margin | 3.4869% | 5,351 |
| Noninterest income to average assets | 0.5308% | 3,935 |
| Noninterest expense to average assets | 3.3664% | 2,382 |
| Loan and lease loss provision to assets | 0.0537% | 6,533 |
| Net operating income to assets | 0.2427% | 5,382 |
| Return on assets (ROA) | 0.3083% | 5,306 |
| Pretax return on assets | 0.3737% | 5,299 |
| Return on Equity (ROE) | 3.1403% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.1403% | 4,235 |
| Net charge-offs to loans | 0.2827% | 4,249 |
| Credit loss provision to net charge-offs | 29.4118% | 6,162 |
| Earnings coverage of net charge-offs (x) | 1.9091% | 4,278 |
| Efficiency ratio | 90.6225% | 1,237 |
| Assets per employee ($millions) | 4.0615% | 3,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 6,398 |
| Loan loss allowance to noncurrent loans | 60.8787% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.0301% | 5,042 |
| Noncurrent loans to loans | 1.6412% | 4,186 |
| Net loans and leases to total assets | 62.1404% | 4,499 |
| Net loans and leases to deposits | 75.2280% | 4,308 |
| Net loans and leases to core deposits | 81.9365% | 4,256 |
| Total domestic deposits to total assets | 82.6027% | 4,751 |
| Equity capital to assets | 9.8855% | 4,312 |
| Core capital (leverage) ratio | 9.5315% | 3,856 |
| Tier 1 risk-based capital ratio | 17.3741% | 2,216 |
| Total risk-based capital ratio | 18.6121% | 2,180 |
| Memoranda: | ||
| Average total assets | $273,283,500 | 2,365 |
| Average earning assets | $249,539,000 | 2,380 |
| Average equity | $26,833,000 | 2,430 |
| Average total loans | $176,419,250 | 2,430 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7294% | 6,046 |
| Cost of funding earning assets | 1.2199% | 5,019 |
| Net interest margin | 3.5095% | 5,211 |
| Noninterest income to average assets | 0.4737% | 4,330 |
| Noninterest expense to average assets | 3.2859% | 2,604 |
| Loan and lease loss provision to assets | 0.1542% | 5,359 |
| Net operating income to assets | 0.2086% | 5,530 |
| Return on assets (ROA) | 0.3121% | 5,290 |
| Pretax return on assets | 0.3599% | 5,342 |
| Return on Equity (ROE) | 3.1863% | 5,138 |
| Retained earnings to average equity (ytd only) | 3.1863% | 4,082 |
| Net charge-offs to loans | -0.0158% | 7,250 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2658% | 1,396 |
| Assets per employee ($millions) | 4.0718% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 5,270 |
| Loan loss allowance to noncurrent loans | 52.0760% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 1.5396% | 4,152 |
| Noncurrent loans to loans | 2.3698% | 3,293 |
| Net loans and leases to total assets | 64.1663% | 4,230 |
| Net loans and leases to deposits | 77.4541% | 4,087 |
| Net loans and leases to core deposits | 84.2869% | 4,101 |
| Total domestic deposits to total assets | 82.8443% | 4,633 |
| Equity capital to assets | 9.7468% | 4,343 |
| Core capital (leverage) ratio | 9.3801% | 3,993 |
| Tier 1 risk-based capital ratio | 16.3244% | 2,546 |
| Total risk-based capital ratio | 17.5774% | 2,490 |
| Memoranda: | ||
| Average total assets | $272,317,670 | 2,395 |
| Average earning assets | $248,869,670 | 2,404 |
| Average equity | $26,676,670 | 2,432 |
| Average total loans | $177,441,670 | 2,449 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 6,066 |
| Cost of funding earning assets | 1.2587% | 5,067 |
| Net interest margin | 3.4929% | 5,190 |
| Noninterest income to average assets | 0.5347% | 3,780 |
| Noninterest expense to average assets | 3.4307% | 2,156 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2529% | 5,482 |
| Return on assets (ROA) | 0.3600% | 5,149 |
| Pretax return on assets | 0.4296% | 5,195 |
| Return on Equity (ROE) | 3.6650% | 5,044 |
| Retained earnings to average equity (ytd only) | 3.6650% | 3,953 |
| Net charge-offs to loans | -0.0091% | 6,872 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9048% | 1,280 |
| Assets per employee ($millions) | 4.0084% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 5,835 |
| Loan loss allowance to noncurrent loans | 46.7181% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 1.5706% | 4,146 |
| Noncurrent loans to loans | 2.4319% | 3,243 |
| Net loans and leases to total assets | 63.8493% | 4,363 |
| Net loans and leases to deposits | 77.1984% | 4,187 |
| Net loans and leases to core deposits | 84.5385% | 4,128 |
| Total domestic deposits to total assets | 82.7081% | 4,754 |
| Equity capital to assets | 9.8065% | 4,097 |
| Core capital (leverage) ratio | 9.4513% | 3,851 |
| Tier 1 risk-based capital ratio | 17.2472% | 2,177 |
| Total risk-based capital ratio | 18.5063% | 2,127 |
| Memoranda: | ||
| Average total assets | $270,035,500 | 2,471 |
| Average earning assets | $247,245,000 | 2,479 |
| Average equity | $26,521,500 | 2,464 |
| Average total loans | $176,220,000 | 2,528 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0960% | 6,101 |
| Cost of funding earning assets | 1.6011% | 5,017 |
| Net interest margin | 3.4949% | 4,977 |
| Noninterest income to average assets | 0.5770% | 3,801 |
| Noninterest expense to average assets | 3.4816% | 2,416 |
| Loan and lease loss provision to assets | 0.2936% | 5,076 |
| Net operating income to assets | 0.0460% | 5,347 |
| Return on assets (ROA) | 0.0045% | 5,524 |
| Pretax return on assets | -0.0606% | 5,537 |
| Return on Equity (ROE) | 0.0455% | 5,522 |
| Retained earnings to average equity (ytd only) | 0.0455% | 4,881 |
| Net charge-offs to loans | 0.3366% | 4,549 |
| Credit loss provision to net charge-offs | 131.3559% | 3,856 |
| Earnings coverage of net charge-offs (x) | 1.3322% | 4,800 |
| Efficiency ratio | 92.1203% | 1,556 |
| Assets per employee ($millions) | 3.9338% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 5,742 |
| Loan loss allowance to noncurrent loans | 41.1038% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 1.8153% | 3,645 |
| Noncurrent loans to loans | 2.7528% | 2,808 |
| Net loans and leases to total assets | 65.1997% | 4,340 |
| Net loans and leases to deposits | 78.9945% | 4,170 |
| Net loans and leases to core deposits | 96.9833% | 4,352 |
| Total domestic deposits to total assets | 82.5371% | 4,730 |
| Equity capital to assets | 9.8367% | 3,961 |
| Core capital (leverage) ratio | 9.6235% | 3,559 |
| Tier 1 risk-based capital ratio | 16.2305% | 2,423 |
| Total risk-based capital ratio | 17.4816% | 2,365 |
| Memoranda: | ||
| Average total assets | $263,930,200 | 2,479 |
| Average earning assets | $241,838,200 | 2,484 |
| Average equity | $26,367,800 | 2,502 |
| Average total loans | $175,277,200 | 2,568 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1436% | 6,131 |
| Cost of funding earning assets | 1.6716% | 5,054 |
| Net interest margin | 3.4720% | 4,984 |
| Noninterest income to average assets | 0.5981% | 3,727 |
| Noninterest expense to average assets | 3.4605% | 2,390 |
| Loan and lease loss provision to assets | 0.3928% | 3,959 |
| Net operating income to assets | -0.0155% | 5,736 |
| Return on assets (ROA) | -0.1125% | 5,938 |
| Pretax return on assets | -0.2240% | 6,011 |
| Return on Equity (ROE) | -1.1220% | 5,953 |
| Retained earnings to average equity (ytd only) | -1.1220% | 5,524 |
| Net charge-offs to loans | 0.4663% | 3,356 |
| Credit loss provision to net charge-offs | 126.6340% | 3,968 |
| Earnings coverage of net charge-offs (x) | 1.0327% | 5,021 |
| Efficiency ratio | 91.5270% | 1,577 |
| Assets per employee ($millions) | 4.0214% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 5,634 |
| Loan loss allowance to noncurrent loans | 46.5456% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 1.5740% | 3,992 |
| Noncurrent loans to loans | 2.3949% | 3,147 |
| Net loans and leases to total assets | 64.9928% | 4,649 |
| Net loans and leases to deposits | 79.4247% | 4,491 |
| Net loans and leases to core deposits | 96.9141% | 4,712 |
| Total domestic deposits to total assets | 81.8295% | 4,752 |
| Equity capital to assets | 9.7741% | 4,385 |
| Core capital (leverage) ratio | 9.6210% | 3,759 |
| Tier 1 risk-based capital ratio | 15.6977% | 2,740 |
| Total risk-based capital ratio | 16.9481% | 2,672 |
| Memoranda: | ||
| Average total assets | $263,038,250 | 2,502 |
| Average earning assets | $241,121,500 | 2,507 |
| Average equity | $26,381,500 | 2,516 |
| Average total loans | $174,995,500 | 2,606 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2306% | 5,953 |
| Cost of funding earning assets | 1.7313% | 5,116 |
| Net interest margin | 3.4993% | 4,804 |
| Noninterest income to average assets | 0.5174% | 4,292 |
| Noninterest expense to average assets | 3.4572% | 2,472 |
| Loan and lease loss provision to assets | 0.5366% | 2,886 |
| Net operating income to assets | -0.1594% | 6,117 |
| Return on assets (ROA) | -0.1594% | 6,145 |
| Pretax return on assets | -0.2691% | 6,204 |
| Return on Equity (ROE) | -1.5759% | 6,161 |
| Retained earnings to average equity (ytd only) | -1.5759% | 5,640 |
| Net charge-offs to loans | 0.7022% | 2,297 |
| Credit loss provision to net charge-offs | 114.3791% | 4,047 |
| Earnings coverage of net charge-offs (x) | 0.5703% | 5,141 |
| Efficiency ratio | 92.8175% | 1,581 |
| Assets per employee ($millions) | 3.9519% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 5,540 |
| Loan loss allowance to noncurrent loans | 45.7370% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 1.6101% | 3,798 |
| Noncurrent loans to loans | 2.4230% | 2,991 |
| Net loans and leases to total assets | 64.0014% | 4,981 |
| Net loans and leases to deposits | 78.5434% | 4,778 |
| Net loans and leases to core deposits | 96.3492% | 4,864 |
| Total domestic deposits to total assets | 81.4853% | 4,898 |
| Equity capital to assets | 9.9795% | 3,968 |
| Core capital (leverage) ratio | 9.9032% | 3,392 |
| Tier 1 risk-based capital ratio | 16.1385% | 2,576 |
| Total risk-based capital ratio | 17.3908% | 2,524 |
| Memoranda: | ||
| Average total assets | $260,905,670 | 2,534 |
| Average earning assets | $239,132,000 | 2,530 |
| Average equity | $26,397,000 | 2,525 |
| Average total loans | $174,298,000 | 2,645 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3870% | 5,489 |
| Cost of funding earning assets | 1.8142% | 5,049 |
| Net interest margin | 3.5728% | 4,440 |
| Noninterest income to average assets | 0.4742% | 4,555 |
| Noninterest expense to average assets | 3.6421% | 1,771 |
| Loan and lease loss provision to assets | 0.0463% | 6,391 |
| Net operating income to assets | 0.0880% | 6,017 |
| Return on assets (ROA) | 0.0880% | 6,181 |
| Pretax return on assets | 0.0587% | 6,262 |
| Return on Equity (ROE) | 0.8642% | 6,168 |
| Retained earnings to average equity (ytd only) | 0.8642% | 5,311 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1970% | 1,261 |
| Assets per employee ($millions) | 4.0196% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 5,673 |
| Loan loss allowance to noncurrent loans | 37.8651% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 1.8976% | 3,065 |
| Noncurrent loans to loans | 2.8309% | 2,313 |
| Net loans and leases to total assets | 65.0302% | 4,805 |
| Net loans and leases to deposits | 79.9993% | 4,613 |
| Net loans and leases to core deposits | 98.9730% | 4,646 |
| Total domestic deposits to total assets | 81.2884% | 4,842 |
| Equity capital to assets | 10.0916% | 3,891 |
| Core capital (leverage) ratio | 10.0648% | 3,330 |
| Tier 1 risk-based capital ratio | 16.0445% | 2,677 |
| Total risk-based capital ratio | 17.2645% | 2,621 |
| Memoranda: | ||
| Average total assets | $258,971,500 | 2,561 |
| Average earning assets | $237,239,000 | 2,559 |
| Average equity | $26,384,000 | 2,536 |
| Average total loans | $175,768,000 | 2,644 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9898% | 5,593 |
| Cost of funding earning assets | 2.2002% | 5,597 |
| Net interest margin | 3.7896% | 4,066 |
| Noninterest income to average assets | 0.3780% | 5,660 |
| Noninterest expense to average assets | 3.4479% | 2,532 |
| Loan and lease loss provision to assets | 0.0458% | 6,842 |
| Net operating income to assets | 0.2632% | 5,669 |
| Return on assets (ROA) | -0.3906% | 6,693 |
| Pretax return on assets | -0.5124% | 6,664 |
| Return on Equity (ROE) | -3.8446% | 6,723 |
| Retained earnings to average equity (ytd only) | -3.8446% | 6,288 |
| Net charge-offs to loans | 0.0991% | 5,329 |
| Credit loss provision to net charge-offs | 65.2174% | 6,153 |
| Earnings coverage of net charge-offs (x) | 5.6033% | 3,588 |
| Efficiency ratio | 89.7535% | 1,531 |
| Assets per employee ($millions) | 3.8308% | 3,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 5,968 |
| Loan loss allowance to noncurrent loans | 44.3112% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 1.6200% | 3,008 |
| Noncurrent loans to loans | 2.2733% | 2,426 |
| Net loans and leases to total assets | 69.3411% | 4,183 |
| Net loans and leases to deposits | 86.5195% | 4,029 |
| Net loans and leases to core deposits | 105.8864% | 4,208 |
| Total domestic deposits to total assets | 80.1450% | 4,964 |
| Equity capital to assets | 10.2861% | 3,728 |
| Core capital (leverage) ratio | 10.1423% | 3,325 |
| Tier 1 risk-based capital ratio | 15.2996% | 2,920 |
| Total risk-based capital ratio | 16.4484% | 2,882 |
| Memoranda: | ||
| Average total assets | $261,927,600 | 2,449 |
| Average earning assets | $239,389,000 | 2,459 |
| Average equity | $26,609,000 | 2,508 |
| Average total loans | $185,651,000 | 2,444 |