Home > The First National Bank of Granbury > Performance and Condition Ratios
The First National Bank of Granbury, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7166% | 3,566 |
| Cost of funding earning assets | 1.4618% | 3,426 |
| Net interest margin | 3.2548% | 2,600 |
| Noninterest income to average assets | 0.3600% | 2,692 |
| Noninterest expense to average assets | 2.2633% | 2,960 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 0.9401% | 2,251 |
| Return on assets (ROA) | 0.9401% | 2,249 |
| Pretax return on assets | 1.1506% | 2,106 |
| Return on Equity (ROE) | 10.6400% | 1,994 |
| Retained earnings to average equity (ytd only) | 6.3202% | 1,703 |
| Net charge-offs to loans | 0.0503% | 1,645 |
| Credit loss provision to net charge-offs | 284.2553% | 902 |
| Earnings coverage of net charge-offs (x) | 47.1574% | 1,250 |
| Efficiency ratio | 64.9148% | 2,613 |
| Assets per employee ($millions) | 6.2085% | 2,717 |
| Cash dividends to net income (ytd only)* | 40.6246% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 1,630 |
| Loan loss allowance to noncurrent loans | 128.7833% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.5286% | 1,354 |
| Noncurrent loans to loans | 1.0172% | 986 |
| Net loans and leases to total assets | 51.2900% | 3,566 |
| Net loans and leases to deposits | 56.5783% | 3,683 |
| Net loans and leases to core deposits | 60.8316% | 3,719 |
| Total domestic deposits to total assets | 90.6500% | 617 |
| Equity capital to assets | 8.8354% | 2,948 |
| Core capital (leverage) ratio | 10.9872% | 1,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $905,940,400 | 1,102 |
| Average earning assets | $870,625,400 | 1,063 |
| Average equity | $80,013,000 | 1,201 |
| Average total loans | $467,255,000 | 1,367 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6899% | 3,563 |
| Cost of funding earning assets | 1.4785% | 3,397 |
| Net interest margin | 3.2114% | 2,662 |
| Noninterest income to average assets | 0.3700% | 2,610 |
| Noninterest expense to average assets | 2.2034% | 3,073 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 0.9795% | 2,108 |
| Return on assets (ROA) | 0.9795% | 2,119 |
| Pretax return on assets | 1.1852% | 2,021 |
| Return on Equity (ROE) | 11.0900% | 1,870 |
| Retained earnings to average equity (ytd only) | 11.0915% | 635 |
| Net charge-offs to loans | 0.0717% | 1,191 |
| Credit loss provision to net charge-offs | 165.4618% | 1,214 |
| Earnings coverage of net charge-offs (x) | 33.8876% | 1,437 |
| Efficiency ratio | 63.7932% | 2,735 |
| Assets per employee ($millions) | 5.8442% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 1,850 |
| Loan loss allowance to noncurrent loans | 85.0617% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 874 |
| Noncurrent loans to loans | 1.4930% | 630 |
| Net loans and leases to total assets | 52.4300% | 3,520 |
| Net loans and leases to deposits | 58.4652% | 3,654 |
| Net loans and leases to core deposits | 62.9881% | 3,684 |
| Total domestic deposits to total assets | 89.6800% | 681 |
| Equity capital to assets | 9.7692% | 2,444 |
| Core capital (leverage) ratio | 11.3651% | 1,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $899,608,000 | 1,101 |
| Average earning assets | $864,642,750 | 1,062 |
| Average equity | $79,446,000 | 1,203 |
| Average total loans | $463,075,750 | 1,373 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6190% | 3,612 |
| Cost of funding earning assets | 1.4817% | 3,326 |
| Net interest margin | 3.1373% | 2,778 |
| Noninterest income to average assets | 0.3600% | 2,636 |
| Noninterest expense to average assets | 2.2128% | 3,039 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.9345% | 2,206 |
| Return on assets (ROA) | 0.9345% | 2,213 |
| Pretax return on assets | 1.1187% | 2,159 |
| Return on Equity (ROE) | 10.9700% | 1,894 |
| Retained earnings to average equity (ytd only) | 10.9710% | 696 |
| Net charge-offs to loans | 0.1035% | 850 |
| Credit loss provision to net charge-offs | 93.6709% | 1,559 |
| Earnings coverage of net charge-offs (x) | 22.0127% | 1,581 |
| Efficiency ratio | 65.6075% | 2,587 |
| Assets per employee ($millions) | 5.6875% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 1,881 |
| Loan loss allowance to noncurrent loans | 142.0101% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 1,409 |
| Noncurrent loans to loans | 0.8944% | 1,056 |
| Net loans and leases to total assets | 51.9500% | 3,543 |
| Net loans and leases to deposits | 57.3474% | 3,698 |
| Net loans and leases to core deposits | 61.7978% | 3,704 |
| Total domestic deposits to total assets | 90.5900% | 549 |
| Equity capital to assets | 8.8948% | 2,812 |
| Core capital (leverage) ratio | 11.1250% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $899,474,667 | 1,107 |
| Average earning assets | $864,128,000 | 1,064 |
| Average equity | $76,620,000 | 1,227 |
| Average total loans | $458,112,333 | 1,387 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4744% | 3,713 |
| Cost of funding earning assets | 1.4617% | 3,286 |
| Net interest margin | 3.0127% | 2,963 |
| Noninterest income to average assets | 0.3400% | 2,684 |
| Noninterest expense to average assets | 2.2360% | 2,967 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.7604% | 2,653 |
| Return on assets (ROA) | 0.7604% | 2,666 |
| Pretax return on assets | 0.9322% | 2,574 |
| Return on Equity (ROE) | 9.1200% | 2,359 |
| Retained earnings to average equity (ytd only) | 9.1227% | 1,294 |
| Net charge-offs to loans | 0.1415% | 585 |
| Credit loss provision to net charge-offs | 86.9565% | 1,257 |
| Earnings coverage of net charge-offs (x) | 14.0807% | 1,500 |
| Efficiency ratio | 69.1355% | 2,258 |
| Assets per employee ($millions) | 5.5654% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 1,845 |
| Loan loss allowance to noncurrent loans | 133.3484% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.4896% | 1,287 |
| Noncurrent loans to loans | 0.9608% | 902 |
| Net loans and leases to total assets | 50.3000% | 3,594 |
| Net loans and leases to deposits | 55.2684% | 3,733 |
| Net loans and leases to core deposits | 59.3653% | 3,792 |
| Total domestic deposits to total assets | 91.0100% | 524 |
| Equity capital to assets | 8.4726% | 3,043 |
| Core capital (leverage) ratio | 10.7723% | 2,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $908,427,000 | 1,103 |
| Average earning assets | $873,225,000 | 1,061 |
| Average equity | $75,723,000 | 1,235 |
| Average total loans | $455,223,500 | 1,391 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1810% | 3,657 |
| Cost of funding earning assets | 0.9378% | 3,444 |
| Net interest margin | 3.2432% | 2,765 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.3286% | 2,777 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.0004% | 2,224 |
| Return on assets (ROA) | 1.0004% | 2,205 |
| Pretax return on assets | 1.1831% | 2,186 |
| Return on Equity (ROE) | 12.9200% | 1,749 |
| Retained earnings to average equity (ytd only) | 7.9201% | 1,565 |
| Net charge-offs to loans | -0.0011% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.9816% | 2,358 |
| Assets per employee ($millions) | 5.9821% | 2,841 |
| Cash dividends to net income (ytd only)* | 38.7111% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 1,718 |
| Loan loss allowance to noncurrent loans | 207.8818% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 1,704 |
| Noncurrent loans to loans | 0.6301% | 1,252 |
| Net loans and leases to total assets | 48.6400% | 3,689 |
| Net loans and leases to deposits | 53.2813% | 3,823 |
| Net loans and leases to core deposits | 57.5676% | 3,853 |
| Total domestic deposits to total assets | 91.2800% | 431 |
| Equity capital to assets | 8.2006% | 3,278 |
| Core capital (leverage) ratio | 10.6511% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $893,410,200 | 1,092 |
| Average earning assets | $856,595,200 | 1,050 |
| Average equity | $69,165,400 | 1,261 |
| Average total loans | $450,613,400 | 1,344 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0992% | 3,662 |
| Cost of funding earning assets | 0.7933% | 3,533 |
| Net interest margin | 3.3059% | 2,673 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.2691% | 2,889 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0810% | 2,114 |
| Return on assets (ROA) | 1.0810% | 2,101 |
| Pretax return on assets | 1.2903% | 2,067 |
| Return on Equity (ROE) | 14.1800% | 1,608 |
| Retained earnings to average equity (ytd only) | 11.2250% | 1,122 |
| Net charge-offs to loans | 0.0098% | 2,039 |
| Credit loss provision to net charge-offs | 787.8788% | 471 |
| Earnings coverage of net charge-offs (x) | 269.2727% | 485 |
| Efficiency ratio | 62.9719% | 2,616 |
| Assets per employee ($millions) | 5.4427% | 3,228 |
| Cash dividends to net income (ytd only)* | 20.8362% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 1,771 |
| Loan loss allowance to noncurrent loans | 203.5531% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3340% | 1,692 |
| Noncurrent loans to loans | 0.6488% | 1,265 |
| Net loans and leases to total assets | 50.8000% | 3,566 |
| Net loans and leases to deposits | 55.1924% | 3,744 |
| Net loans and leases to core deposits | 59.2340% | 3,731 |
| Total domestic deposits to total assets | 92.0500% | 442 |
| Equity capital to assets | 7.4445% | 3,387 |
| Core capital (leverage) ratio | 10.8173% | 2,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $887,948,250 | 1,098 |
| Average earning assets | $851,235,500 | 1,053 |
| Average equity | $67,692,500 | 1,271 |
| Average total loans | $450,502,750 | 1,342 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0067% | 3,675 |
| Cost of funding earning assets | 0.6447% | 3,641 |
| Net interest margin | 3.3620% | 2,610 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.2809% | 2,864 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.1137% | 2,087 |
| Return on assets (ROA) | 1.1137% | 2,075 |
| Pretax return on assets | 1.3334% | 1,980 |
| Return on Equity (ROE) | 14.5000% | 1,576 |
| Retained earnings to average equity (ytd only) | 14.4967% | 620 |
| Net charge-offs to loans | 0.0138% | 1,674 |
| Credit loss provision to net charge-offs | 719.3548% | 509 |
| Earnings coverage of net charge-offs (x) | 200.7419% | 606 |
| Efficiency ratio | 62.0410% | 2,710 |
| Assets per employee ($millions) | 5.2289% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 1,920 |
| Loan loss allowance to noncurrent loans | 180.5733% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 1,365 |
| Noncurrent loans to loans | 0.7217% | 1,038 |
| Net loans and leases to total assets | 51.6600% | 3,435 |
| Net loans and leases to deposits | 56.4692% | 3,610 |
| Net loans and leases to core deposits | 60.1137% | 3,629 |
| Total domestic deposits to total assets | 91.4900% | 510 |
| Equity capital to assets | 8.0517% | 3,176 |
| Core capital (leverage) ratio | 10.6955% | 2,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $891,841,333 | 1,092 |
| Average earning assets | $855,215,667 | 1,044 |
| Average equity | $68,512,000 | 1,257 |
| Average total loans | $450,288,667 | 1,321 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8774% | 3,719 |
| Cost of funding earning assets | 0.5219% | 3,623 |
| Net interest margin | 3.3555% | 2,738 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.2656% | 2,909 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.1463% | 2,076 |
| Return on assets (ROA) | 1.1463% | 2,048 |
| Pretax return on assets | 1.3588% | 1,991 |
| Return on Equity (ROE) | 15.2700% | 1,506 |
| Retained earnings to average equity (ytd only) | 15.2749% | 767 |
| Net charge-offs to loans | 0.0214% | 1,252 |
| Credit loss provision to net charge-offs | 166.6667% | 908 |
| Earnings coverage of net charge-offs (x) | 129.1667% | 669 |
| Efficiency ratio | 62.2825% | 2,653 |
| Assets per employee ($millions) | 5.5888% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,140 |
| Loan loss allowance to noncurrent loans | 203.0035% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 1,605 |
| Noncurrent loans to loans | 0.6293% | 1,194 |
| Net loans and leases to total assets | 49.0400% | 3,564 |
| Net loans and leases to deposits | 53.5032% | 3,714 |
| Net loans and leases to core deposits | 56.2974% | 3,724 |
| Total domestic deposits to total assets | 91.6500% | 609 |
| Equity capital to assets | 7.8877% | 3,319 |
| Core capital (leverage) ratio | 10.2845% | 2,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $903,761,500 | 1,092 |
| Average earning assets | $866,873,500 | 1,044 |
| Average equity | $67,823,500 | 1,276 |
| Average total loans | $448,258,000 | 1,340 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4360% | 3,247 |
| Cost of funding earning assets | 0.2168% | 3,619 |
| Net interest margin | 3.2192% | 2,810 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.1680% | 3,104 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.0585% | 2,341 |
| Return on assets (ROA) | 1.0585% | 2,286 |
| Pretax return on assets | 1.2348% | 2,327 |
| Return on Equity (ROE) | 13.8400% | 1,569 |
| Retained earnings to average equity (ytd only) | 8.7789% | 1,542 |
| Net charge-offs to loans | 0.0174% | 1,759 |
| Credit loss provision to net charge-offs | 1,507.0423% | 322 |
| Earnings coverage of net charge-offs (x) | 172.5493% | 722 |
| Efficiency ratio | 61.5751% | 2,827 |
| Assets per employee ($millions) | 5.5008% | 3,218 |
| Cash dividends to net income (ytd only)* | 36.5467% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 1,863 |
| Loan loss allowance to noncurrent loans | 232.8412% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 1,765 |
| Noncurrent loans to loans | 0.5609% | 1,323 |
| Net loans and leases to total assets | 48.8800% | 3,597 |
| Net loans and leases to deposits | 52.8258% | 3,742 |
| Net loans and leases to core deposits | 54.7406% | 3,780 |
| Total domestic deposits to total assets | 92.5300% | 515 |
| Equity capital to assets | 7.1201% | 3,605 |
| Core capital (leverage) ratio | 9.8597% | 2,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $905,523,400 | 1,073 |
| Average earning assets | $871,489,600 | 1,026 |
| Average equity | $69,280,000 | 1,263 |
| Average total loans | $407,101,600 | 1,374 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2921% | 3,198 |
| Cost of funding earning assets | 0.1826% | 3,488 |
| Net interest margin | 3.1095% | 2,904 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.0628% | 3,313 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.0611% | 2,248 |
| Return on assets (ROA) | 1.0611% | 2,211 |
| Pretax return on assets | 1.2318% | 2,251 |
| Return on Equity (ROE) | 13.6300% | 1,529 |
| Retained earnings to average equity (ytd only) | 13.6332% | 521 |
| Net charge-offs to loans | 0.0222% | 1,393 |
| Credit loss provision to net charge-offs | 1,121.2121% | 384 |
| Earnings coverage of net charge-offs (x) | 138.0909% | 785 |
| Efficiency ratio | 60.6085% | 3,036 |
| Assets per employee ($millions) | 5.5169% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 2,085 |
| Loan loss allowance to noncurrent loans | 208.8704% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2934% | 1,773 |
| Noncurrent loans to loans | 0.6169% | 1,314 |
| Net loans and leases to total assets | 46.9400% | 3,710 |
| Net loans and leases to deposits | 50.4407% | 3,829 |
| Net loans and leases to core deposits | 52.0939% | 3,851 |
| Total domestic deposits to total assets | 93.0600% | 564 |
| Equity capital to assets | 6.5891% | 3,698 |
| Core capital (leverage) ratio | 9.9354% | 2,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $906,370,000 | 1,077 |
| Average earning assets | $873,950,500 | 1,033 |
| Average equity | $70,541,750 | 1,253 |
| Average total loans | $397,178,250 | 1,394 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1451% | 3,198 |
| Cost of funding earning assets | 0.1719% | 3,289 |
| Net interest margin | 2.9732% | 2,966 |
| Noninterest income to average assets | 0.3988% | 2,768 |
| Noninterest expense to average assets | 2.0635% | 3,254 |
| Loan and lease loss provision to assets | 0.1144% | 880 |
| Net operating income to assets | 0.9424% | 2,390 |
| Return on assets (ROA) | 0.9424% | 2,365 |
| Pretax return on assets | 1.0905% | 2,438 |
| Return on Equity (ROE) | 11.5255% | 1,828 |
| Retained earnings to average equity (ytd only) | 11.5255% | 694 |
| Net charge-offs to loans | 0.0114% | 1,561 |
| Credit loss provision to net charge-offs | 2,363.6364% | 219 |
| Earnings coverage of net charge-offs (x) | 248.8636% | 475 |
| Efficiency ratio | 63.1338% | 2,896 |
| Assets per employee ($millions) | 5.6138% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 2,182 |
| Loan loss allowance to noncurrent loans | 160.4211% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 1,552 |
| Noncurrent loans to loans | 0.8118% | 1,059 |
| Net loans and leases to total assets | 43.9065% | 3,839 |
| Net loans and leases to deposits | 47.4447% | 3,953 |
| Net loans and leases to core deposits | 49.0254% | 3,977 |
| Total domestic deposits to total assets | 92.5424% | 641 |
| Equity capital to assets | 7.1271% | 3,703 |
| Core capital (leverage) ratio | 10.0216% | 2,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $908,744,333 | 1,070 |
| Average earning assets | $877,116,333 | 1,038 |
| Average equity | $74,305,000 | 1,237 |
| Average total loans | $387,036,667 | 1,417 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1262% | 2,887 |
| Cost of funding earning assets | 0.1699% | 3,222 |
| Net interest margin | 2.9563% | 2,648 |
| Noninterest income to average assets | 0.3930% | 2,739 |
| Noninterest expense to average assets | 2.0882% | 3,185 |
| Loan and lease loss provision to assets | 0.1263% | 657 |
| Net operating income to assets | 0.8932% | 2,301 |
| Return on assets (ROA) | 0.8932% | 2,304 |
| Pretax return on assets | 1.0394% | 2,324 |
| Return on Equity (ROE) | 10.2531% | 1,869 |
| Retained earnings to average equity (ytd only) | 10.2531% | 962 |
| Net charge-offs to loans | 0.0404% | 880 |
| Credit loss provision to net charge-offs | 750.0000% | 407 |
| Earnings coverage of net charge-offs (x) | 69.2368% | 800 |
| Efficiency ratio | 64.1748% | 3,004 |
| Assets per employee ($millions) | 5.6780% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 2,274 |
| Loan loss allowance to noncurrent loans | 127.5282% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 1,375 |
| Noncurrent loans to loans | 1.0323% | 876 |
| Net loans and leases to total assets | 42.4629% | 3,852 |
| Net loans and leases to deposits | 46.2988% | 3,958 |
| Net loans and leases to core deposits | 47.9185% | 3,988 |
| Total domestic deposits to total assets | 91.7150% | 693 |
| Equity capital to assets | 7.9026% | 3,642 |
| Core capital (leverage) ratio | 9.7359% | 2,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $902,786,000 | 1,080 |
| Average earning assets | $873,656,000 | 1,045 |
| Average equity | $78,649,500 | 1,217 |
| Average total loans | $375,773,000 | 1,442 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0975% | 3,686 |
| Cost of funding earning assets | 0.2117% | 3,351 |
| Net interest margin | 2.8858% | 3,479 |
| Noninterest income to average assets | 0.5285% | 2,452 |
| Noninterest expense to average assets | 2.1455% | 3,250 |
| Loan and lease loss provision to assets | 0.0448% | 2,161 |
| Net operating income to assets | 0.9715% | 2,789 |
| Return on assets (ROA) | 1.0534% | 2,544 |
| Pretax return on assets | 1.2212% | 2,595 |
| Return on Equity (ROE) | 10.2713% | 2,422 |
| Retained earnings to average equity (ytd only) | 7.2412% | 1,827 |
| Net charge-offs to loans | 0.0808% | 994 |
| Credit loss provision to net charge-offs | 133.9286% | 1,555 |
| Earnings coverage of net charge-offs (x) | 34.9679% | 1,508 |
| Efficiency ratio | 64.6968% | 2,447 |
| Assets per employee ($millions) | 5.8234% | 2,926 |
| Cash dividends to net income (ytd only)* | 29.5006% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 2,256 |
| Loan loss allowance to noncurrent loans | 124.9290% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 1,540 |
| Noncurrent loans to loans | 1.0590% | 922 |
| Net loans and leases to total assets | 39.7032% | 4,109 |
| Net loans and leases to deposits | 44.0164% | 4,180 |
| Net loans and leases to core deposits | 45.4812% | 4,205 |
| Total domestic deposits to total assets | 90.2008% | 868 |
| Equity capital to assets | 9.5111% | 3,139 |
| Core capital (leverage) ratio | 9.7274% | 2,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $836,322,400 | 1,109 |
| Average earning assets | $807,879,600 | 1,074 |
| Average equity | $85,773,200 | 1,140 |
| Average total loans | $346,435,600 | 1,532 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1793% | 3,641 |
| Cost of funding earning assets | 0.2245% | 3,380 |
| Net interest margin | 2.9548% | 3,430 |
| Noninterest income to average assets | 0.5527% | 2,403 |
| Noninterest expense to average assets | 2.1027% | 3,355 |
| Loan and lease loss provision to assets | 0.0611% | 1,771 |
| Net operating income to assets | 1.0584% | 2,698 |
| Return on assets (ROA) | 1.1687% | 2,341 |
| Pretax return on assets | 1.3706% | 2,436 |
| Return on Equity (ROE) | 11.1706% | 2,323 |
| Retained earnings to average equity (ytd only) | 10.2424% | 1,248 |
| Net charge-offs to loans | 0.1206% | 655 |
| Credit loss provision to net charge-offs | 121.3592% | 1,461 |
| Earnings coverage of net charge-offs (x) | 25.8576% | 1,607 |
| Efficiency ratio | 61.7612% | 2,735 |
| Assets per employee ($millions) | 5.5423% | 3,149 |
| Cash dividends to net income (ytd only)* | 8.3089% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 2,180 |
| Loan loss allowance to noncurrent loans | 147.3491% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.3823% | 1,915 |
| Noncurrent loans to loans | 0.9226% | 1,244 |
| Net loans and leases to total assets | 40.8753% | 4,158 |
| Net loans and leases to deposits | 45.7557% | 4,242 |
| Net loans and leases to core deposits | 47.4685% | 4,264 |
| Total domestic deposits to total assets | 89.3338% | 1,104 |
| Equity capital to assets | 10.3400% | 2,577 |
| Core capital (leverage) ratio | 10.1663% | 2,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $818,291,500 | 1,139 |
| Average earning assets | $789,788,000 | 1,111 |
| Average equity | $85,615,750 | 1,162 |
| Average total loans | $341,665,000 | 1,577 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2572% | 3,543 |
| Cost of funding earning assets | 0.2387% | 3,390 |
| Net interest margin | 3.0186% | 3,273 |
| Noninterest income to average assets | 0.5351% | 2,466 |
| Noninterest expense to average assets | 2.1281% | 3,308 |
| Loan and lease loss provision to assets | 0.0372% | 2,247 |
| Net operating income to assets | 1.0888% | 2,582 |
| Return on assets (ROA) | 1.2401% | 2,118 |
| Pretax return on assets | 1.4583% | 2,146 |
| Return on Equity (ROE) | 11.8036% | 2,132 |
| Retained earnings to average equity (ytd only) | 10.3969% | 1,287 |
| Net charge-offs to loans | 0.1558% | 534 |
| Credit loss provision to net charge-offs | 57.0342% | 1,575 |
| Earnings coverage of net charge-offs (x) | 20.2015% | 1,531 |
| Efficiency ratio | 61.7632% | 2,766 |
| Assets per employee ($millions) | 5.3796% | 3,257 |
| Cash dividends to net income (ytd only)* | 11.9176% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 2,369 |
| Loan loss allowance to noncurrent loans | 141.3993% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.3925% | 2,034 |
| Noncurrent loans to loans | 0.9294% | 1,329 |
| Net loans and leases to total assets | 41.6774% | 4,204 |
| Net loans and leases to deposits | 46.6571% | 4,283 |
| Net loans and leases to core deposits | 48.7852% | 4,290 |
| Total domestic deposits to total assets | 89.3269% | 1,124 |
| Equity capital to assets | 10.3703% | 2,518 |
| Core capital (leverage) ratio | 10.1993% | 2,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $806,552,000 | 1,147 |
| Average earning assets | $777,652,000 | 1,118 |
| Average equity | $84,736,667 | 1,166 |
| Average total loans | $337,659,000 | 1,604 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2023% | 3,688 |
| Cost of funding earning assets | 0.2526% | 3,452 |
| Net interest margin | 2.9497% | 3,385 |
| Noninterest income to average assets | 0.5474% | 2,416 |
| Noninterest expense to average assets | 2.1173% | 3,373 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1060% | 2,455 |
| Return on assets (ROA) | 1.2390% | 2,098 |
| Pretax return on assets | 1.4282% | 2,199 |
| Return on Equity (ROE) | 11.7134% | 2,124 |
| Retained earnings to average equity (ytd only) | 8.8709% | 1,991 |
| Net charge-offs to loans | 0.2990% | 281 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 10.2348% | 1,506 |
| Efficiency ratio | 62.4089% | 2,683 |
| Assets per employee ($millions) | 5.1938% | 3,435 |
| Cash dividends to net income (ytd only)* | 24.2671% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 2,223 |
| Loan loss allowance to noncurrent loans | 134.6315% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 2,158 |
| Noncurrent loans to loans | 0.9995% | 1,345 |
| Net loans and leases to total assets | 40.9264% | 4,295 |
| Net loans and leases to deposits | 45.8175% | 4,363 |
| Net loans and leases to core deposits | 48.1028% | 4,371 |
| Total domestic deposits to total assets | 89.3248% | 1,159 |
| Equity capital to assets | 10.3345% | 2,411 |
| Core capital (leverage) ratio | 10.3520% | 2,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $792,911,000 | 1,154 |
| Average earning assets | $764,815,000 | 1,118 |
| Average equity | $83,869,500 | 1,163 |
| Average total loans | $330,414,500 | 1,625 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7594% | 3,415 |
| Cost of funding earning assets | 0.3429% | 3,909 |
| Net interest margin | 3.4165% | 2,725 |
| Noninterest income to average assets | 0.6174% | 2,150 |
| Noninterest expense to average assets | 2.4528% | 2,982 |
| Loan and lease loss provision to assets | 0.1086% | 2,987 |
| Net operating income to assets | 1.1410% | 1,761 |
| Return on assets (ROA) | 1.2462% | 1,501 |
| Pretax return on assets | 1.4555% | 1,485 |
| Return on Equity (ROE) | 10.7634% | 1,716 |
| Retained earnings to average equity (ytd only) | 7.8750% | 1,090 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9804% | 2,979 |
| Assets per employee ($millions) | 5.0373% | 3,354 |
| Cash dividends to net income (ytd only)* | 26.8355% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 1,775 |
| Loan loss allowance to noncurrent loans | 116.7159% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 1,990 |
| Noncurrent loans to loans | 1.2427% | 1,109 |
| Net loans and leases to total assets | 41.2561% | 4,389 |
| Net loans and leases to deposits | 46.4441% | 4,446 |
| Net loans and leases to core deposits | 48.8137% | 4,462 |
| Total domestic deposits to total assets | 88.8296% | 1,058 |
| Equity capital to assets | 10.8279% | 2,404 |
| Core capital (leverage) ratio | 10.6311% | 2,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $690,764,000 | 1,199 |
| Average earning assets | $662,576,400 | 1,162 |
| Average equity | $79,974,400 | 1,161 |
| Average total loans | $330,649,400 | 1,574 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9215% | 3,184 |
| Cost of funding earning assets | 0.3676% | 3,961 |
| Net interest margin | 3.5539% | 2,410 |
| Noninterest income to average assets | 0.5812% | 2,248 |
| Noninterest expense to average assets | 2.4269% | 3,061 |
| Loan and lease loss provision to assets | 0.1496% | 2,528 |
| Net operating income to assets | 1.1947% | 1,656 |
| Return on assets (ROA) | 1.3380% | 1,360 |
| Pretax return on assets | 1.5782% | 1,249 |
| Return on Equity (ROE) | 11.3419% | 1,573 |
| Retained earnings to average equity (ytd only) | 11.3419% | 514 |
| Net charge-offs to loans | 0.0088% | 2,790 |
| Credit loss provision to net charge-offs | 3,409.0909% | 316 |
| Earnings coverage of net charge-offs (x) | 355.2273% | 317 |
| Efficiency ratio | 60.8839% | 3,240 |
| Assets per employee ($millions) | 4.7393% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 1,581 |
| Loan loss allowance to noncurrent loans | 100.1273% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.6606% | 1,750 |
| Noncurrent loans to loans | 1.4367% | 1,006 |
| Net loans and leases to total assets | 44.8919% | 4,377 |
| Net loans and leases to deposits | 51.0969% | 4,447 |
| Net loans and leases to core deposits | 53.7985% | 4,458 |
| Total domestic deposits to total assets | 87.8564% | 1,283 |
| Equity capital to assets | 11.7431% | 1,849 |
| Core capital (leverage) ratio | 11.1946% | 1,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $668,260,250 | 1,205 |
| Average earning assets | $640,252,250 | 1,176 |
| Average equity | $78,832,500 | 1,162 |
| Average total loans | $331,596,750 | 1,571 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 3,079 |
| Cost of funding earning assets | 0.3985% | 4,041 |
| Net interest margin | 3.6904% | 2,199 |
| Noninterest income to average assets | 0.5414% | 2,386 |
| Noninterest expense to average assets | 2.4932% | 2,978 |
| Loan and lease loss provision to assets | 0.1229% | 2,801 |
| Net operating income to assets | 1.2269% | 1,563 |
| Return on assets (ROA) | 1.4476% | 1,110 |
| Pretax return on assets | 1.7109% | 979 |
| Return on Equity (ROE) | 12.2504% | 1,274 |
| Retained earnings to average equity (ytd only) | 12.2504% | 432 |
| Net charge-offs to loans | -0.0096% | 4,199 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2979% | 3,236 |
| Assets per employee ($millions) | 4.4440% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 1,941 |
| Loan loss allowance to noncurrent loans | 126.5212% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 2,250 |
| Noncurrent loans to loans | 1.0369% | 1,502 |
| Net loans and leases to total assets | 48.1407% | 4,246 |
| Net loans and leases to deposits | 54.9166% | 4,341 |
| Net loans and leases to core deposits | 57.1941% | 4,389 |
| Total domestic deposits to total assets | 87.6615% | 1,345 |
| Equity capital to assets | 11.9341% | 1,705 |
| Core capital (leverage) ratio | 11.6520% | 1,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $650,890,000 | 1,210 |
| Average earning assets | $621,882,000 | 1,185 |
| Average equity | $76,912,000 | 1,178 |
| Average total loans | $332,759,667 | 1,541 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2280% | 3,126 |
| Cost of funding earning assets | 0.4698% | 4,068 |
| Net interest margin | 3.7581% | 2,118 |
| Noninterest income to average assets | 0.4842% | 2,640 |
| Noninterest expense to average assets | 2.5244% | 3,195 |
| Loan and lease loss provision to assets | 0.0633% | 2,972 |
| Net operating income to assets | 1.2091% | 1,485 |
| Return on assets (ROA) | 1.4692% | 915 |
| Pretax return on assets | 1.7983% | 701 |
| Return on Equity (ROE) | 12.5011% | 987 |
| Retained earnings to average equity (ytd only) | 12.5011% | 371 |
| Net charge-offs to loans | -0.0483% | 4,628 |
| Credit loss provision to net charge-offs | -250.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0411% | 3,495 |
| Assets per employee ($millions) | 4.1199% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 2,424 |
| Loan loss allowance to noncurrent loans | 134.3852% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.5075% | 2,478 |
| Noncurrent loans to loans | 0.9263% | 1,775 |
| Net loans and leases to total assets | 51.6522% | 4,139 |
| Net loans and leases to deposits | 58.7484% | 4,262 |
| Net loans and leases to core deposits | 60.7829% | 4,322 |
| Total domestic deposits to total assets | 87.9210% | 1,144 |
| Equity capital to assets | 11.6646% | 2,320 |
| Core capital (leverage) ratio | 11.8531% | 1,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $631,921,500 | 1,212 |
| Average earning assets | $602,747,000 | 1,178 |
| Average equity | $74,265,500 | 1,210 |
| Average total loans | $331,132,500 | 1,520 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2860% | 3,572 |
| Cost of funding earning assets | 0.5159% | 4,018 |
| Net interest margin | 3.7701% | 2,611 |
| Noninterest income to average assets | 0.5966% | 2,239 |
| Noninterest expense to average assets | 2.6666% | 2,977 |
| Loan and lease loss provision to assets | 0.1172% | 1,802 |
| Net operating income to assets | 1.1621% | 2,211 |
| Return on assets (ROA) | 1.2400% | 1,989 |
| Pretax return on assets | 1.4972% | 1,814 |
| Return on Equity (ROE) | 10.8127% | 1,960 |
| Retained earnings to average equity (ytd only) | 8.3350% | 877 |
| Net charge-offs to loans | 0.1508% | 1,314 |
| Credit loss provision to net charge-offs | 145.5823% | 1,760 |
| Earnings coverage of net charge-offs (x) | 18.8896% | 2,028 |
| Efficiency ratio | 63.6865% | 3,120 |
| Assets per employee ($millions) | 4.0606% | 3,833 |
| Cash dividends to net income (ytd only)* | 22.9145% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 2,393 |
| Loan loss allowance to noncurrent loans | 182.8218% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 2,815 |
| Noncurrent loans to loans | 0.6607% | 2,235 |
| Net loans and leases to total assets | 51.8652% | 4,235 |
| Net loans and leases to deposits | 59.0480% | 4,331 |
| Net loans and leases to core deposits | 60.8855% | 4,402 |
| Total domestic deposits to total assets | 87.8356% | 1,207 |
| Equity capital to assets | 11.8407% | 2,247 |
| Core capital (leverage) ratio | 11.5362% | 2,083 |
| Tier 1 risk-based capital ratio | 20.7610% | 1,210 |
| Total risk-based capital ratio | 21.9415% | 1,186 |
| Memoranda: | ||
| Average total assets | $618,691,000 | 1,196 |
| Average earning assets | $589,221,800 | 1,177 |
| Average equity | $70,953,400 | 1,210 |
| Average total loans | $330,160,800 | 1,498 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 3,759 |
| Cost of funding earning assets | 0.5187% | 4,069 |
| Net interest margin | 3.7497% | 2,754 |
| Noninterest income to average assets | 0.5941% | 2,233 |
| Noninterest expense to average assets | 2.5481% | 3,301 |
| Loan and lease loss provision to assets | 0.1136% | 1,711 |
| Net operating income to assets | 1.2432% | 2,038 |
| Return on assets (ROA) | 1.3475% | 1,727 |
| Pretax return on assets | 1.6289% | 1,531 |
| Return on Equity (ROE) | 11.8485% | 1,671 |
| Retained earnings to average equity (ytd only) | 11.8485% | 403 |
| Net charge-offs to loans | 0.0735% | 1,771 |
| Credit loss provision to net charge-offs | 288.4615% | 974 |
| Earnings coverage of net charge-offs (x) | 41.0441% | 1,354 |
| Efficiency ratio | 61.1807% | 3,454 |
| Assets per employee ($millions) | 4.0362% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 2,438 |
| Loan loss allowance to noncurrent loans | 247.8576% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 3,176 |
| Noncurrent loans to loans | 0.4899% | 2,826 |
| Net loans and leases to total assets | 53.7546% | 4,202 |
| Net loans and leases to deposits | 61.3482% | 4,322 |
| Net loans and leases to core deposits | 63.2344% | 4,417 |
| Total domestic deposits to total assets | 87.6222% | 1,207 |
| Equity capital to assets | 12.0171% | 2,250 |
| Core capital (leverage) ratio | 11.7398% | 2,049 |
| Tier 1 risk-based capital ratio | 20.6304% | 1,251 |
| Total risk-based capital ratio | 21.8312% | 1,238 |
| Memoranda: | ||
| Average total assets | $616,017,250 | 1,199 |
| Average earning assets | $586,632,250 | 1,174 |
| Average equity | $70,060,750 | 1,219 |
| Average total loans | $330,095,250 | 1,508 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2522% | 3,784 |
| Cost of funding earning assets | 0.5037% | 4,103 |
| Net interest margin | 3.7485% | 2,760 |
| Noninterest income to average assets | 0.5849% | 2,221 |
| Noninterest expense to average assets | 2.6185% | 3,153 |
| Loan and lease loss provision to assets | 0.0977% | 1,911 |
| Net operating income to assets | 1.2000% | 2,149 |
| Return on assets (ROA) | 1.2000% | 2,211 |
| Pretax return on assets | 1.4358% | 2,084 |
| Return on Equity (ROE) | 10.7566% | 2,074 |
| Retained earnings to average equity (ytd only) | 10.7566% | 588 |
| Net charge-offs to loans | 0.0678% | 1,688 |
| Credit loss provision to net charge-offs | 270.2703% | 961 |
| Earnings coverage of net charge-offs (x) | 42.4234% | 1,204 |
| Efficiency ratio | 63.0667% | 3,275 |
| Assets per employee ($millions) | 4.1299% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 2,590 |
| Loan loss allowance to noncurrent loans | 203.6045% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3751% | 3,009 |
| Noncurrent loans to loans | 0.5836% | 2,511 |
| Net loans and leases to total assets | 52.7280% | 4,310 |
| Net loans and leases to deposits | 59.8667% | 4,435 |
| Net loans and leases to core deposits | 61.6041% | 4,515 |
| Total domestic deposits to total assets | 88.0757% | 1,067 |
| Equity capital to assets | 11.5844% | 2,540 |
| Core capital (leverage) ratio | 11.4636% | 2,198 |
| Tier 1 risk-based capital ratio | 20.1189% | 1,329 |
| Total risk-based capital ratio | 21.2885% | 1,317 |
| Memoranda: | ||
| Average total assets | $614,166,000 | 1,202 |
| Average earning assets | $584,452,330 | 1,176 |
| Average equity | $68,516,000 | 1,229 |
| Average total loans | $327,383,670 | 1,526 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1754% | 3,943 |
| Cost of funding earning assets | 0.4911% | 4,098 |
| Net interest margin | 3.6843% | 2,951 |
| Noninterest income to average assets | 0.5087% | 2,505 |
| Noninterest expense to average assets | 2.6293% | 3,125 |
| Loan and lease loss provision to assets | 0.0492% | 2,674 |
| Net operating income to assets | 1.0797% | 2,547 |
| Return on assets (ROA) | 1.0797% | 2,592 |
| Pretax return on assets | 1.3258% | 2,355 |
| Return on Equity (ROE) | 9.8719% | 2,420 |
| Retained earnings to average equity (ytd only) | 9.8719% | 1,064 |
| Net charge-offs to loans | 0.1318% | 948 |
| Credit loss provision to net charge-offs | 70.0935% | 1,850 |
| Earnings coverage of net charge-offs (x) | 19.5794% | 1,589 |
| Efficiency ratio | 65.6614% | 2,983 |
| Assets per employee ($millions) | 4.1349% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 2,872 |
| Loan loss allowance to noncurrent loans | 190.3111% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 3,017 |
| Noncurrent loans to loans | 0.6029% | 2,528 |
| Net loans and leases to total assets | 51.8375% | 4,349 |
| Net loans and leases to deposits | 58.5252% | 4,475 |
| Net loans and leases to core deposits | 60.1527% | 4,559 |
| Total domestic deposits to total assets | 88.5730% | 1,048 |
| Equity capital to assets | 11.0396% | 2,812 |
| Core capital (leverage) ratio | 11.3330% | 2,264 |
| Tier 1 risk-based capital ratio | 19.6154% | 1,417 |
| Total risk-based capital ratio | 20.7260% | 1,419 |
| Memoranda: | ||
| Average total assets | $609,445,000 | 1,212 |
| Average earning assets | $578,244,500 | 1,193 |
| Average equity | $66,653,500 | 1,250 |
| Average total loans | $324,690,500 | 1,545 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 3,926 |
| Cost of funding earning assets | 0.3435% | 4,325 |
| Net interest margin | 3.6918% | 3,064 |
| Noninterest income to average assets | 0.5243% | 2,692 |
| Noninterest expense to average assets | 2.6889% | 3,063 |
| Loan and lease loss provision to assets | 0.1088% | 2,019 |
| Net operating income to assets | 1.0474% | 2,815 |
| Return on assets (ROA) | 1.0474% | 2,801 |
| Pretax return on assets | 1.2391% | 2,742 |
| Return on Equity (ROE) | 10.0080% | 2,515 |
| Retained earnings to average equity (ytd only) | 7.8448% | 1,310 |
| Net charge-offs to loans | 0.0457% | 2,520 |
| Credit loss provision to net charge-offs | 448.2759% | 764 |
| Earnings coverage of net charge-offs (x) | 55.5172% | 1,074 |
| Efficiency ratio | 66.6086% | 2,762 |
| Assets per employee ($millions) | 3.9646% | 3,941 |
| Cash dividends to net income (ytd only)* | 21.6147% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 2,763 |
| Loan loss allowance to noncurrent loans | 165.5961% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 2,793 |
| Noncurrent loans to loans | 0.7013% | 2,237 |
| Net loans and leases to total assets | 53.5151% | 4,316 |
| Net loans and leases to deposits | 60.2332% | 4,465 |
| Net loans and leases to core deposits | 61.8509% | 4,546 |
| Total domestic deposits to total assets | 88.8464% | 924 |
| Equity capital to assets | 10.8302% | 2,863 |
| Core capital (leverage) ratio | 11.2923% | 2,272 |
| Tier 1 risk-based capital ratio | 19.4801% | 1,409 |
| Total risk-based capital ratio | 20.6199% | 1,393 |
| Memoranda: | ||
| Average total assets | $597,198,000 | 1,207 |
| Average earning assets | $568,199,400 | 1,187 |
| Average equity | $62,500,200 | 1,277 |
| Average total loans | $317,069,200 | 1,526 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9787% | 3,989 |
| Cost of funding earning assets | 0.3112% | 4,443 |
| Net interest margin | 3.6675% | 3,131 |
| Noninterest income to average assets | 0.5323% | 2,664 |
| Noninterest expense to average assets | 2.5702% | 3,380 |
| Loan and lease loss provision to assets | 0.1229% | 1,640 |
| Net operating income to assets | 1.1248% | 2,555 |
| Return on assets (ROA) | 1.1248% | 2,567 |
| Pretax return on assets | 1.3384% | 2,472 |
| Return on Equity (ROE) | 10.8423% | 2,239 |
| Retained earnings to average equity (ytd only) | 10.8423% | 683 |
| Net charge-offs to loans | 0.0292% | 2,512 |
| Credit loss provision to net charge-offs | 797.1014% | 488 |
| Earnings coverage of net charge-offs (x) | 94.7948% | 787 |
| Efficiency ratio | 63.7537% | 3,227 |
| Assets per employee ($millions) | 4.0068% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 2,707 |
| Loan loss allowance to noncurrent loans | 162.9630% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 2,904 |
| Noncurrent loans to loans | 0.7276% | 2,260 |
| Net loans and leases to total assets | 52.5595% | 4,454 |
| Net loans and leases to deposits | 59.1455% | 4,593 |
| Net loans and leases to core deposits | 60.7425% | 4,673 |
| Total domestic deposits to total assets | 88.8648% | 888 |
| Equity capital to assets | 10.7784% | 2,869 |
| Core capital (leverage) ratio | 11.2439% | 2,384 |
| Tier 1 risk-based capital ratio | 19.9531% | 1,343 |
| Total risk-based capital ratio | 21.1108% | 1,329 |
| Memoranda: | ||
| Average total assets | $596,835,000 | 1,206 |
| Average earning assets | $569,419,000 | 1,184 |
| Average equity | $61,916,500 | 1,286 |
| Average total loans | $315,303,500 | 1,538 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9026% | 4,076 |
| Cost of funding earning assets | 0.2904% | 4,493 |
| Net interest margin | 3.6122% | 3,267 |
| Noninterest income to average assets | 0.5220% | 2,738 |
| Noninterest expense to average assets | 2.5580% | 3,451 |
| Loan and lease loss provision to assets | 0.1170% | 1,692 |
| Net operating income to assets | 1.0824% | 2,656 |
| Return on assets (ROA) | 1.0824% | 2,664 |
| Pretax return on assets | 1.2954% | 2,533 |
| Return on Equity (ROE) | 10.5698% | 2,297 |
| Retained earnings to average equity (ytd only) | 10.5698% | 769 |
| Net charge-offs to loans | 0.0336% | 2,176 |
| Credit loss provision to net charge-offs | 660.3774% | 588 |
| Earnings coverage of net charge-offs (x) | 79.6981% | 823 |
| Efficiency ratio | 64.4265% | 3,262 |
| Assets per employee ($millions) | 4.0729% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 2,999 |
| Loan loss allowance to noncurrent loans | 143.3293% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 2,846 |
| Noncurrent loans to loans | 0.8000% | 2,130 |
| Net loans and leases to total assets | 50.8604% | 4,555 |
| Net loans and leases to deposits | 56.9223% | 4,704 |
| Net loans and leases to core deposits | 58.4966% | 4,770 |
| Total domestic deposits to total assets | 89.3506% | 790 |
| Equity capital to assets | 10.3541% | 3,274 |
| Core capital (leverage) ratio | 11.0415% | 2,487 |
| Tier 1 risk-based capital ratio | 19.6981% | 1,380 |
| Total risk-based capital ratio | 20.8169% | 1,376 |
| Memoranda: | ||
| Average total assets | $598,112,670 | 1,205 |
| Average earning assets | $571,009,670 | 1,181 |
| Average equity | $61,250,000 | 1,299 |
| Average total loans | $315,265,000 | 1,538 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8047% | 4,205 |
| Cost of funding earning assets | 0.2687% | 4,591 |
| Net interest margin | 3.5361% | 3,400 |
| Noninterest income to average assets | 0.4787% | 2,949 |
| Noninterest expense to average assets | 2.5607% | 3,456 |
| Loan and lease loss provision to assets | 0.1007% | 1,843 |
| Net operating income to assets | 0.9447% | 3,092 |
| Return on assets (ROA) | 0.9447% | 3,109 |
| Pretax return on assets | 1.1931% | 2,780 |
| Return on Equity (ROE) | 9.2767% | 2,777 |
| Retained earnings to average equity (ytd only) | 9.2767% | 1,371 |
| Net charge-offs to loans | 0.0378% | 1,766 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 64.2333% | 804 |
| Efficiency ratio | 66.4344% | 3,091 |
| Assets per employee ($millions) | 4.0607% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 3,556 |
| Loan loss allowance to noncurrent loans | 88.6411% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6934% | 2,248 |
| Noncurrent loans to loans | 1.2053% | 1,508 |
| Net loans and leases to total assets | 52.4161% | 4,409 |
| Net loans and leases to deposits | 58.6169% | 4,559 |
| Net loans and leases to core deposits | 60.4145% | 4,632 |
| Total domestic deposits to total assets | 89.4215% | 919 |
| Equity capital to assets | 10.1917% | 3,405 |
| Core capital (leverage) ratio | 10.7959% | 2,634 |
| Tier 1 risk-based capital ratio | 19.0016% | 1,545 |
| Total risk-based capital ratio | 20.0590% | 1,562 |
| Memoranda: | ||
| Average total assets | $595,771,500 | 1,219 |
| Average earning assets | $568,764,500 | 1,191 |
| Average equity | $60,668,000 | 1,320 |
| Average total loans | $317,827,500 | 1,532 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8928% | 3,745 |
| Cost of funding earning assets | 0.2282% | 4,736 |
| Net interest margin | 3.6646% | 2,936 |
| Noninterest income to average assets | 0.5784% | 2,566 |
| Noninterest expense to average assets | 2.6207% | 3,377 |
| Loan and lease loss provision to assets | 0.1142% | 1,989 |
| Net operating income to assets | 0.8964% | 2,731 |
| Return on assets (ROA) | 0.8964% | 2,759 |
| Pretax return on assets | 1.3460% | 2,189 |
| Return on Equity (ROE) | 8.5039% | 2,538 |
| Retained earnings to average equity (ytd only) | 6.4746% | 1,291 |
| Net charge-offs to loans | 0.0448% | 2,894 |
| Credit loss provision to net charge-offs | 474.4526% | 662 |
| Earnings coverage of net charge-offs (x) | 60.6423% | 950 |
| Efficiency ratio | 64.2190% | 3,571 |
| Assets per employee ($millions) | 3.9908% | 3,978 |
| Cash dividends to net income (ytd only)* | 23.8627% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 3,808 |
| Loan loss allowance to noncurrent loans | 91.1353% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 2,354 |
| Noncurrent loans to loans | 1.1196% | 1,577 |
| Net loans and leases to total assets | 53.1656% | 4,430 |
| Net loans and leases to deposits | 59.3913% | 4,605 |
| Net loans and leases to core deposits | 61.0948% | 4,705 |
| Total domestic deposits to total assets | 89.5175% | 763 |
| Equity capital to assets | 10.1744% | 3,520 |
| Core capital (leverage) ratio | 10.6917% | 2,660 |
| Tier 1 risk-based capital ratio | 18.2337% | 1,730 |
| Total risk-based capital ratio | 19.2360% | 1,756 |
| Memoranda: | ||
| Average total assets | $568,961,800 | 1,252 |
| Average earning assets | $543,798,200 | 1,218 |
| Average equity | $59,972,600 | 1,309 |
| Average total loans | $305,784,200 | 1,543 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 3,664 |
| Cost of funding earning assets | 0.2206% | 4,805 |
| Net interest margin | 3.6851% | 2,804 |
| Noninterest income to average assets | 0.5537% | 2,710 |
| Noninterest expense to average assets | 2.5524% | 3,558 |
| Loan and lease loss provision to assets | 0.1055% | 2,005 |
| Net operating income to assets | 1.0293% | 2,415 |
| Return on assets (ROA) | 1.0293% | 2,456 |
| Pretax return on assets | 1.4202% | 2,059 |
| Return on Equity (ROE) | 9.6765% | 2,269 |
| Retained earnings to average equity (ytd only) | 9.6765% | 659 |
| Net charge-offs to loans | 0.0366% | 2,705 |
| Credit loss provision to net charge-offs | 536.1446% | 589 |
| Earnings coverage of net charge-offs (x) | 77.5569% | 828 |
| Efficiency ratio | 62.5886% | 3,797 |
| Assets per employee ($millions) | 3.8158% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 4,098 |
| Loan loss allowance to noncurrent loans | 110.0177% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.5505% | 2,870 |
| Noncurrent loans to loans | 0.9037% | 2,124 |
| Net loans and leases to total assets | 54.4378% | 4,379 |
| Net loans and leases to deposits | 61.3913% | 4,562 |
| Net loans and leases to core deposits | 63.2231% | 4,640 |
| Total domestic deposits to total assets | 88.6735% | 1,027 |
| Equity capital to assets | 11.0002% | 2,860 |
| Core capital (leverage) ratio | 10.9012% | 2,548 |
| Tier 1 risk-based capital ratio | 18.7688% | 1,654 |
| Total risk-based capital ratio | 19.7478% | 1,685 |
| Memoranda: | ||
| Average total assets | $562,545,500 | 1,272 |
| Average earning assets | $538,010,500 | 1,236 |
| Average equity | $59,840,750 | 1,320 |
| Average total loans | $302,381,250 | 1,566 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8764% | 3,639 |
| Cost of funding earning assets | 0.2145% | 4,850 |
| Net interest margin | 3.6618% | 2,787 |
| Noninterest income to average assets | 0.5491% | 2,721 |
| Noninterest expense to average assets | 2.5447% | 3,601 |
| Loan and lease loss provision to assets | 0.0785% | 2,414 |
| Net operating income to assets | 1.0401% | 2,250 |
| Return on assets (ROA) | 1.0401% | 2,288 |
| Pretax return on assets | 1.4279% | 1,906 |
| Return on Equity (ROE) | 9.8914% | 2,085 |
| Retained earnings to average equity (ytd only) | 9.8914% | 610 |
| Net charge-offs to loans | 0.0100% | 3,107 |
| Credit loss provision to net charge-offs | 1,466.6667% | 298 |
| Earnings coverage of net charge-offs (x) | 281.4667% | 306 |
| Efficiency ratio | 62.8149% | 3,845 |
| Assets per employee ($millions) | 3.9104% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9568% | 4,381 |
| Loan loss allowance to noncurrent loans | 123.9395% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 3,218 |
| Noncurrent loans to loans | 0.7720% | 2,473 |
| Net loans and leases to total assets | 52.7809% | 4,502 |
| Net loans and leases to deposits | 59.2114% | 4,688 |
| Net loans and leases to core deposits | 61.7264% | 4,729 |
| Total domestic deposits to total assets | 89.1397% | 893 |
| Equity capital to assets | 10.5631% | 3,269 |
| Core capital (leverage) ratio | 10.7965% | 2,602 |
| Tier 1 risk-based capital ratio | 18.5872% | 1,695 |
| Total risk-based capital ratio | 19.5312% | 1,742 |
| Memoranda: | ||
| Average total assets | $560,540,330 | 1,285 |
| Average earning assets | $536,070,670 | 1,243 |
| Average equity | $58,940,000 | 1,338 |
| Average total loans | $298,968,330 | 1,582 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8773% | 3,478 |
| Cost of funding earning assets | 0.2133% | 4,854 |
| Net interest margin | 3.6640% | 2,636 |
| Noninterest income to average assets | 0.5230% | 2,819 |
| Noninterest expense to average assets | 2.5932% | 3,527 |
| Loan and lease loss provision to assets | 0.0617% | 2,574 |
| Net operating income to assets | 0.9524% | 2,516 |
| Return on assets (ROA) | 0.9524% | 2,574 |
| Pretax return on assets | 1.3695% | 1,989 |
| Return on Equity (ROE) | 9.0797% | 2,379 |
| Retained earnings to average equity (ytd only) | 9.0797% | 1,053 |
| Net charge-offs to loans | -0.0095% | 4,400 |
| Credit loss provision to net charge-offs | -1,214.2857% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4376% | 3,765 |
| Assets per employee ($millions) | 3.9302% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 4,498 |
| Loan loss allowance to noncurrent loans | 107.9909% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.5356% | 3,087 |
| Noncurrent loans to loans | 0.8884% | 2,250 |
| Net loans and leases to total assets | 52.4969% | 4,473 |
| Net loans and leases to deposits | 58.8857% | 4,640 |
| Net loans and leases to core deposits | 61.5622% | 4,686 |
| Total domestic deposits to total assets | 89.1506% | 1,078 |
| Equity capital to assets | 10.5520% | 3,131 |
| Core capital (leverage) ratio | 10.8556% | 2,532 |
| Tier 1 risk-based capital ratio | 18.8891% | 1,639 |
| Total risk-based capital ratio | 19.8384% | 1,679 |
| Memoranda: | ||
| Average total assets | $551,439,500 | 1,302 |
| Average earning assets | $526,967,500 | 1,258 |
| Average equity | $57,843,500 | 1,357 |
| Average total loans | $294,244,500 | 1,613 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8242% | 3,822 |
| Cost of funding earning assets | 0.1810% | 5,202 |
| Net interest margin | 3.6432% | 2,917 |
| Noninterest income to average assets | 0.6379% | 2,467 |
| Noninterest expense to average assets | 2.5120% | 3,967 |
| Loan and lease loss provision to assets | 0.1046% | 2,298 |
| Net operating income to assets | 1.0940% | 1,923 |
| Return on assets (ROA) | 1.0940% | 2,021 |
| Pretax return on assets | 1.5097% | 1,555 |
| Return on Equity (ROE) | 10.1719% | 1,890 |
| Retained earnings to average equity (ytd only) | 8.2578% | 769 |
| Net charge-offs to loans | 0.0397% | 3,231 |
| Credit loss provision to net charge-offs | 504.5872% | 656 |
| Earnings coverage of net charge-offs (x) | 77.8440% | 727 |
| Efficiency ratio | 60.8770% | 4,440 |
| Assets per employee ($millions) | 4.0656% | 3,843 |
| Cash dividends to net income (ytd only)* | 18.8174% | 3,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 4,626 |
| Loan loss allowance to noncurrent loans | 97.8966% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.5806% | 2,994 |
| Noncurrent loans to loans | 0.9584% | 2,169 |
| Net loans and leases to total assets | 53.2178% | 4,508 |
| Net loans and leases to deposits | 59.6049% | 4,701 |
| Net loans and leases to core deposits | 62.6445% | 4,715 |
| Total domestic deposits to total assets | 89.2842% | 962 |
| Equity capital to assets | 10.4256% | 3,239 |
| Core capital (leverage) ratio | 10.6535% | 2,718 |
| Tier 1 risk-based capital ratio | 18.8876% | 1,627 |
| Total risk-based capital ratio | 19.8283% | 1,674 |
| Memoranda: | ||
| Average total assets | $525,591,600 | 1,311 |
| Average earning assets | $503,264,400 | 1,270 |
| Average equity | $56,528,200 | 1,365 |
| Average total loans | $274,253,400 | 1,649 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 3,850 |
| Cost of funding earning assets | 0.1740% | 5,314 |
| Net interest margin | 3.6511% | 2,884 |
| Noninterest income to average assets | 0.6405% | 2,474 |
| Noninterest expense to average assets | 2.4204% | 4,222 |
| Loan and lease loss provision to assets | 0.1114% | 2,067 |
| Net operating income to assets | 1.1431% | 1,839 |
| Return on assets (ROA) | 1.1431% | 1,944 |
| Pretax return on assets | 1.6108% | 1,356 |
| Return on Equity (ROE) | 10.5439% | 1,851 |
| Retained earnings to average equity (ytd only) | 10.5439% | 482 |
| Net charge-offs to loans | 0.0297% | 3,064 |
| Credit loss provision to net charge-offs | 725.0000% | 546 |
| Earnings coverage of net charge-offs (x) | 112.1139% | 605 |
| Efficiency ratio | 58.4265% | 4,761 |
| Assets per employee ($millions) | 4.0253% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 4,725 |
| Loan loss allowance to noncurrent loans | 119.6429% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 3,523 |
| Noncurrent loans to loans | 0.7823% | 2,724 |
| Net loans and leases to total assets | 52.1973% | 4,644 |
| Net loans and leases to deposits | 58.7240% | 4,837 |
| Net loans and leases to core deposits | 62.0568% | 4,827 |
| Total domestic deposits to total assets | 88.8858% | 968 |
| Equity capital to assets | 10.7977% | 3,248 |
| Core capital (leverage) ratio | 11.0461% | 2,402 |
| Tier 1 risk-based capital ratio | 19.2629% | 1,606 |
| Total risk-based capital ratio | 20.2037% | 1,644 |
| Memoranda: | ||
| Average total assets | $520,790,750 | 1,320 |
| Average earning assets | $499,525,250 | 1,280 |
| Average equity | $56,460,750 | 1,372 |
| Average total loans | $269,648,250 | 1,676 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8619% | 3,732 |
| Cost of funding earning assets | 0.1699% | 5,412 |
| Net interest margin | 3.6920% | 2,725 |
| Noninterest income to average assets | 0.6473% | 2,382 |
| Noninterest expense to average assets | 2.4320% | 4,226 |
| Loan and lease loss provision to assets | 0.1033% | 2,120 |
| Net operating income to assets | 1.2002% | 1,597 |
| Return on assets (ROA) | 1.2002% | 1,692 |
| Pretax return on assets | 1.6596% | 1,195 |
| Return on Equity (ROE) | 11.0549% | 1,617 |
| Retained earnings to average equity (ytd only) | 11.0549% | 433 |
| Net charge-offs to loans | 0.0409% | 2,641 |
| Credit loss provision to net charge-offs | 490.7407% | 669 |
| Earnings coverage of net charge-offs (x) | 83.7778% | 681 |
| Efficiency ratio | 57.9749% | 4,905 |
| Assets per employee ($millions) | 3.8298% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 4,891 |
| Loan loss allowance to noncurrent loans | 114.9909% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 3,578 |
| Noncurrent loans to loans | 0.7996% | 2,746 |
| Net loans and leases to total assets | 52.0506% | 4,669 |
| Net loans and leases to deposits | 58.7080% | 4,866 |
| Net loans and leases to core deposits | 60.0714% | 4,976 |
| Total domestic deposits to total assets | 88.6601% | 1,080 |
| Equity capital to assets | 11.0274% | 3,032 |
| Core capital (leverage) ratio | 11.0223% | 2,410 |
| Tier 1 risk-based capital ratio | 20.6855% | 1,312 |
| Total risk-based capital ratio | 21.6604% | 1,341 |
| Memoranda: | ||
| Average total assets | $513,247,330 | 1,346 |
| Average earning assets | $493,174,000 | 1,295 |
| Average equity | $55,722,000 | 1,386 |
| Average total loans | $264,087,330 | 1,706 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 3,454 |
| Cost of funding earning assets | 0.1683% | 5,480 |
| Net interest margin | 3.7650% | 2,422 |
| Noninterest income to average assets | 0.6022% | 2,517 |
| Noninterest expense to average assets | 2.4262% | 4,297 |
| Loan and lease loss provision to assets | 0.1178% | 1,789 |
| Net operating income to assets | 1.2602% | 1,377 |
| Return on assets (ROA) | 1.2602% | 1,467 |
| Pretax return on assets | 1.6771% | 1,116 |
| Return on Equity (ROE) | 11.7016% | 1,402 |
| Retained earnings to average equity (ytd only) | 11.7016% | 549 |
| Net charge-offs to loans | 0.0370% | 2,245 |
| Credit loss provision to net charge-offs | 625.0000% | 510 |
| Earnings coverage of net charge-offs (x) | 95.2500% | 556 |
| Efficiency ratio | 57.4777% | 5,058 |
| Assets per employee ($millions) | 3.7833% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 4,975 |
| Loan loss allowance to noncurrent loans | 107.4238% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 3,314 |
| Noncurrent loans to loans | 0.8599% | 2,699 |
| Net loans and leases to total assets | 51.8169% | 4,643 |
| Net loans and leases to deposits | 58.4867% | 4,821 |
| Net loans and leases to core deposits | 59.6847% | 4,959 |
| Total domestic deposits to total assets | 88.5962% | 1,307 |
| Equity capital to assets | 11.0984% | 2,829 |
| Core capital (leverage) ratio | 10.9080% | 2,492 |
| Tier 1 risk-based capital ratio | 19.9109% | 1,517 |
| Total risk-based capital ratio | 20.8437% | 1,560 |
| Memoranda: | ||
| Average total assets | $509,441,500 | 1,356 |
| Average earning assets | $489,663,500 | 1,302 |
| Average equity | $54,864,500 | 1,409 |
| Average total loans | $259,318,000 | 1,734 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5398% | 4,819 |
| Cost of funding earning assets | 0.1578% | 5,636 |
| Net interest margin | 3.3820% | 3,978 |
| Noninterest income to average assets | 0.5703% | 2,901 |
| Noninterest expense to average assets | 2.4537% | 4,378 |
| Loan and lease loss provision to assets | 0.0745% | 2,780 |
| Net operating income to assets | 0.9429% | 2,647 |
| Return on assets (ROA) | 0.9429% | 2,720 |
| Pretax return on assets | 1.2828% | 2,344 |
| Return on Equity (ROE) | 8.7749% | 2,578 |
| Retained earnings to average equity (ytd only) | 6.7203% | 1,425 |
| Net charge-offs to loans | 0.0520% | 3,157 |
| Credit loss provision to net charge-offs | 294.3548% | 1,005 |
| Earnings coverage of net charge-offs (x) | 53.6452% | 956 |
| Efficiency ratio | 64.3859% | 4,188 |
| Assets per employee ($millions) | 3.9367% | 4,054 |
| Cash dividends to net income (ytd only)* | 23.4148% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 5,078 |
| Loan loss allowance to noncurrent loans | 118.3873% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 3,541 |
| Noncurrent loans to loans | 0.7621% | 2,893 |
| Net loans and leases to total assets | 49.0917% | 4,938 |
| Net loans and leases to deposits | 55.0243% | 5,111 |
| Net loans and leases to core deposits | 56.1147% | 5,198 |
| Total domestic deposits to total assets | 89.2182% | 1,012 |
| Equity capital to assets | 10.4487% | 3,425 |
| Core capital (leverage) ratio | 10.6471% | 2,775 |
| Tier 1 risk-based capital ratio | 19.7212% | 1,538 |
| Total risk-based capital ratio | 20.6264% | 1,576 |
| Memoranda: | ||
| Average total assets | $490,108,800 | 1,374 |
| Average earning assets | $469,631,600 | 1,317 |
| Average equity | $52,661,600 | 1,413 |
| Average total loans | $238,360,000 | 1,812 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5461% | 4,872 |
| Cost of funding earning assets | 0.1558% | 5,740 |
| Net interest margin | 3.3903% | 4,001 |
| Noninterest income to average assets | 0.5731% | 2,894 |
| Noninterest expense to average assets | 2.3333% | 4,690 |
| Loan and lease loss provision to assets | 0.0524% | 3,148 |
| Net operating income to assets | 1.0598% | 2,169 |
| Return on assets (ROA) | 1.0598% | 2,264 |
| Pretax return on assets | 1.4328% | 1,896 |
| Return on Equity (ROE) | 9.7917% | 2,182 |
| Retained earnings to average equity (ytd only) | 9.7917% | 671 |
| Net charge-offs to loans | 0.0262% | 3,419 |
| Credit loss provision to net charge-offs | 413.0435% | 744 |
| Earnings coverage of net charge-offs (x) | 117.1339% | 550 |
| Efficiency ratio | 61.1059% | 4,711 |
| Assets per employee ($millions) | 3.8155% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 5,130 |
| Loan loss allowance to noncurrent loans | 77.8836% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6544% | 3,293 |
| Noncurrent loans to loans | 1.1795% | 2,170 |
| Net loans and leases to total assets | 49.1458% | 5,009 |
| Net loans and leases to deposits | 55.5975% | 5,147 |
| Net loans and leases to core deposits | 56.8051% | 5,259 |
| Total domestic deposits to total assets | 88.3957% | 1,344 |
| Equity capital to assets | 11.2394% | 2,760 |
| Core capital (leverage) ratio | 11.0528% | 2,429 |
| Tier 1 risk-based capital ratio | 20.9472% | 1,350 |
| Total risk-based capital ratio | 21.8652% | 1,383 |
| Memoranda: | ||
| Average total assets | $483,710,500 | 1,396 |
| Average earning assets | $463,030,000 | 1,343 |
| Average equity | $52,356,000 | 1,428 |
| Average total loans | $234,082,000 | 1,850 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5190% | 4,934 |
| Cost of funding earning assets | 0.1519% | 5,830 |
| Net interest margin | 3.3671% | 4,025 |
| Noninterest income to average assets | 0.5726% | 2,893 |
| Noninterest expense to average assets | 2.3367% | 4,754 |
| Loan and lease loss provision to assets | 0.0538% | 3,044 |
| Net operating income to assets | 1.0277% | 2,246 |
| Return on assets (ROA) | 1.0277% | 2,363 |
| Pretax return on assets | 1.4013% | 1,975 |
| Return on Equity (ROE) | 9.6179% | 2,246 |
| Retained earnings to average equity (ytd only) | 9.6179% | 749 |
| Net charge-offs to loans | 0.0414% | 2,861 |
| Credit loss provision to net charge-offs | 270.8333% | 993 |
| Earnings coverage of net charge-offs (x) | 73.2708% | 754 |
| Efficiency ratio | 61.6258% | 4,738 |
| Assets per employee ($millions) | 3.9316% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9047% | 5,284 |
| Loan loss allowance to noncurrent loans | 82.4750% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 0.6187% | 3,556 |
| Noncurrent loans to loans | 1.0970% | 2,459 |
| Net loans and leases to total assets | 48.6071% | 5,047 |
| Net loans and leases to deposits | 54.7704% | 5,205 |
| Net loans and leases to core deposits | 55.7030% | 5,330 |
| Total domestic deposits to total assets | 88.7469% | 1,272 |
| Equity capital to assets | 10.9063% | 2,987 |
| Core capital (leverage) ratio | 10.7738% | 2,652 |
| Tier 1 risk-based capital ratio | 20.8802% | 1,388 |
| Total risk-based capital ratio | 21.7944% | 1,420 |
| Memoranda: | ||
| Average total assets | $483,423,330 | 1,412 |
| Average earning assets | $462,178,670 | 1,354 |
| Average equity | $51,653,670 | 1,455 |
| Average total loans | $231,991,000 | 1,865 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4422% | 5,108 |
| Cost of funding earning assets | 0.1493% | 5,928 |
| Net interest margin | 3.2929% | 4,255 |
| Noninterest income to average assets | 0.5710% | 2,825 |
| Noninterest expense to average assets | 2.3006% | 4,881 |
| Loan and lease loss provision to assets | 0.0538% | 2,866 |
| Net operating income to assets | 0.9972% | 2,283 |
| Return on assets (ROA) | 0.9972% | 2,412 |
| Pretax return on assets | 1.3556% | 2,048 |
| Return on Equity (ROE) | 9.4306% | 2,248 |
| Retained earnings to average equity (ytd only) | 9.4306% | 1,060 |
| Net charge-offs to loans | 0.0401% | 2,421 |
| Credit loss provision to net charge-offs | 282.6087% | 847 |
| Earnings coverage of net charge-offs (x) | 74.0435% | 627 |
| Efficiency ratio | 62.0120% | 4,796 |
| Assets per employee ($millions) | 3.8746% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 5,422 |
| Loan loss allowance to noncurrent loans | 115.0820% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.4970% | 4,038 |
| Noncurrent loans to loans | 0.7887% | 3,282 |
| Net loans and leases to total assets | 47.4740% | 5,089 |
| Net loans and leases to deposits | 53.3888% | 5,241 |
| Net loans and leases to core deposits | 54.3871% | 5,349 |
| Total domestic deposits to total assets | 88.9212% | 1,322 |
| Equity capital to assets | 10.7441% | 3,271 |
| Core capital (leverage) ratio | 10.4818% | 2,987 |
| Tier 1 risk-based capital ratio | 20.4718% | 1,529 |
| Total risk-based capital ratio | 21.3745% | 1,556 |
| Memoranda: | ||
| Average total assets | $483,343,000 | 1,415 |
| Average earning assets | $460,749,500 | 1,359 |
| Average equity | $51,110,000 | 1,474 |
| Average total loans | $229,385,500 | 1,877 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4809% | 5,357 |
| Cost of funding earning assets | 0.1528% | 6,082 |
| Net interest margin | 3.3281% | 4,477 |
| Noninterest income to average assets | 0.4940% | 3,557 |
| Noninterest expense to average assets | 2.4218% | 4,783 |
| Loan and lease loss provision to assets | 0.1219% | 2,151 |
| Net operating income to assets | 0.8230% | 3,266 |
| Return on assets (ROA) | 0.8248% | 3,348 |
| Pretax return on assets | 1.1001% | 3,082 |
| Return on Equity (ROE) | 7.9629% | 3,158 |
| Retained earnings to average equity (ytd only) | 6.0254% | 1,912 |
| Net charge-offs to loans | 0.0231% | 4,376 |
| Credit loss provision to net charge-offs | 1,197.9167% | 241 |
| Earnings coverage of net charge-offs (x) | 119.8958% | 440 |
| Efficiency ratio | 66.5076% | 4,150 |
| Assets per employee ($millions) | 3.8589% | 4,240 |
| Cash dividends to net income (ytd only)* | 24.3320% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 5,441 |
| Loan loss allowance to noncurrent loans | 99.9516% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 3,931 |
| Noncurrent loans to loans | 0.9107% | 3,038 |
| Net loans and leases to total assets | 46.5777% | 5,276 |
| Net loans and leases to deposits | 52.1774% | 5,469 |
| Net loans and leases to core deposits | 53.0105% | 5,559 |
| Total domestic deposits to total assets | 89.2679% | 1,088 |
| Equity capital to assets | 10.4037% | 3,606 |
| Core capital (leverage) ratio | 10.3667% | 3,095 |
| Tier 1 risk-based capital ratio | 20.8919% | 1,427 |
| Total risk-based capital ratio | 21.8178% | 1,467 |
| Memoranda: | ||
| Average total assets | $471,883,000 | 1,415 |
| Average earning assets | $446,266,000 | 1,370 |
| Average equity | $48,876,400 | 1,472 |
| Average total loans | $207,552,400 | 1,990 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4492% | 5,501 |
| Cost of funding earning assets | 0.1549% | 6,157 |
| Net interest margin | 3.2943% | 4,623 |
| Noninterest income to average assets | 0.5103% | 3,479 |
| Noninterest expense to average assets | 2.3585% | 4,944 |
| Loan and lease loss provision to assets | 0.1421% | 1,765 |
| Net operating income to assets | 0.8203% | 3,339 |
| Return on assets (ROA) | 0.8225% | 3,416 |
| Pretax return on assets | 1.1251% | 3,088 |
| Return on Equity (ROE) | 7.9504% | 3,238 |
| Retained earnings to average equity (ytd only) | 7.9504% | 1,389 |
| Net charge-offs to loans | -0.0059% | 5,327 |
| Credit loss provision to net charge-offs | -5,555.5556% | 6,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1059% | 4,353 |
| Assets per employee ($millions) | 3.8766% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 5,528 |
| Loan loss allowance to noncurrent loans | 104.3345% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.5442% | 4,238 |
| Noncurrent loans to loans | 0.8829% | 3,365 |
| Net loans and leases to total assets | 46.5302% | 5,330 |
| Net loans and leases to deposits | 52.3234% | 5,517 |
| Net loans and leases to core deposits | 53.1522% | 5,619 |
| Total domestic deposits to total assets | 88.9280% | 1,279 |
| Equity capital to assets | 10.6720% | 3,340 |
| Core capital (leverage) ratio | 10.5979% | 2,923 |
| Tier 1 risk-based capital ratio | 21.0308% | 1,447 |
| Total risk-based capital ratio | 21.9563% | 1,480 |
| Memoranda: | ||
| Average total assets | $469,262,250 | 1,437 |
| Average earning assets | $443,343,750 | 1,394 |
| Average equity | $48,549,500 | 1,486 |
| Average total loans | $202,755,750 | 2,030 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3885% | 5,647 |
| Cost of funding earning assets | 0.1608% | 6,193 |
| Net interest margin | 3.2278% | 4,850 |
| Noninterest income to average assets | 0.4542% | 3,836 |
| Noninterest expense to average assets | 2.3742% | 4,962 |
| Loan and lease loss provision to assets | 0.1560% | 1,585 |
| Net operating income to assets | 0.6218% | 4,239 |
| Return on assets (ROA) | 0.6218% | 4,336 |
| Pretax return on assets | 0.9615% | 3,637 |
| Return on Equity (ROE) | 6.0741% | 4,115 |
| Retained earnings to average equity (ytd only) | 6.0741% | 2,275 |
| Net charge-offs to loans | -0.0183% | 5,512 |
| Credit loss provision to net charge-offs | -2,027.7778% | 5,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9966% | 4,009 |
| Assets per employee ($millions) | 3.7575% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 5,633 |
| Loan loss allowance to noncurrent loans | 130.8793% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.8357% | 3,472 |
| Noncurrent loans to loans | 0.7108% | 3,928 |
| Net loans and leases to total assets | 43.8859% | 5,540 |
| Net loans and leases to deposits | 49.2493% | 5,689 |
| Net loans and leases to core deposits | 49.9753% | 5,793 |
| Total domestic deposits to total assets | 89.1099% | 1,296 |
| Equity capital to assets | 10.5015% | 3,437 |
| Core capital (leverage) ratio | 10.3102% | 3,201 |
| Tier 1 risk-based capital ratio | 21.1781% | 1,417 |
| Total risk-based capital ratio | 22.0825% | 1,460 |
| Memoranda: | ||
| Average total assets | $468,033,330 | 1,435 |
| Average earning assets | $440,430,330 | 1,398 |
| Average equity | $47,908,330 | 1,498 |
| Average total loans | $196,304,330 | 2,079 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3010% | 5,839 |
| Cost of funding earning assets | 0.1664% | 6,251 |
| Net interest margin | 3.1346% | 5,135 |
| Noninterest income to average assets | 0.3488% | 4,584 |
| Noninterest expense to average assets | 2.3689% | 5,012 |
| Loan and lease loss provision to assets | 0.1492% | 1,630 |
| Net operating income to assets | 0.3999% | 5,114 |
| Return on assets (ROA) | 0.3999% | 5,185 |
| Pretax return on assets | 0.7709% | 4,221 |
| Return on Equity (ROE) | 3.9580% | 5,057 |
| Retained earnings to average equity (ytd only) | 3.9580% | 3,739 |
| Net charge-offs to loans | 0.0293% | 2,998 |
| Credit loss provision to net charge-offs | 1,250.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 77.0714% | 558 |
| Efficiency ratio | 72.0249% | 3,485 |
| Assets per employee ($millions) | 3.8437% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 5,948 |
| Loan loss allowance to noncurrent loans | 113.5786% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.8631% | 3,570 |
| Noncurrent loans to loans | 0.7655% | 3,950 |
| Net loans and leases to total assets | 41.6277% | 5,697 |
| Net loans and leases to deposits | 46.5423% | 5,814 |
| Net loans and leases to core deposits | 47.7040% | 5,893 |
| Total domestic deposits to total assets | 89.4404% | 1,399 |
| Equity capital to assets | 10.2545% | 3,532 |
| Core capital (leverage) ratio | 10.0901% | 3,441 |
| Tier 1 risk-based capital ratio | 21.4244% | 1,386 |
| Total risk-based capital ratio | 22.2579% | 1,452 |
| Memoranda: | ||
| Average total assets | $469,082,500 | 1,431 |
| Average earning assets | $439,992,000 | 1,400 |
| Average equity | $47,397,500 | 1,504 |
| Average total loans | $191,256,500 | 2,123 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2775% | 6,032 |
| Cost of funding earning assets | 0.2058% | 6,255 |
| Net interest margin | 3.0717% | 5,397 |
| Noninterest income to average assets | 0.5783% | 3,222 |
| Noninterest expense to average assets | 2.3421% | 5,252 |
| Loan and lease loss provision to assets | 0.1184% | 2,835 |
| Net operating income to assets | 0.7659% | 3,461 |
| Return on assets (ROA) | 0.7927% | 3,426 |
| Pretax return on assets | 1.0492% | 3,155 |
| Return on Equity (ROE) | 7.9307% | 3,064 |
| Retained earnings to average equity (ytd only) | 5.8909% | 2,045 |
| Net charge-offs to loans | 0.3265% | 2,044 |
| Credit loss provision to net charge-offs | 95.3206% | 2,625 |
| Earnings coverage of net charge-offs (x) | 9.1144% | 2,553 |
| Efficiency ratio | 67.4103% | 4,304 |
| Assets per employee ($millions) | 4.1498% | 3,532 |
| Cash dividends to net income (ytd only)* | 25.7197% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8210% | 6,123 |
| Loan loss allowance to noncurrent loans | 112.1080% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.9056% | 3,621 |
| Noncurrent loans to loans | 0.7323% | 4,126 |
| Net loans and leases to total assets | 39.2479% | 6,015 |
| Net loans and leases to deposits | 43.7226% | 6,134 |
| Net loans and leases to core deposits | 44.7531% | 6,193 |
| Total domestic deposits to total assets | 89.7658% | 1,206 |
| Equity capital to assets | 9.9567% | 3,831 |
| Core capital (leverage) ratio | 9.8666% | 3,745 |
| Tier 1 risk-based capital ratio | 21.5312% | 1,330 |
| Total risk-based capital ratio | 22.3037% | 1,390 |
| Memoranda: | ||
| Average total assets | $464,464,400 | 1,424 |
| Average earning assets | $437,894,000 | 1,389 |
| Average equity | $46,427,200 | 1,504 |
| Average total loans | $176,724,400 | 2,229 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2585% | 6,118 |
| Cost of funding earning assets | 0.2145% | 6,323 |
| Net interest margin | 3.0440% | 5,480 |
| Noninterest income to average assets | 0.5909% | 3,213 |
| Noninterest expense to average assets | 2.2997% | 5,344 |
| Loan and lease loss provision to assets | 0.0966% | 3,150 |
| Net operating income to assets | 0.7633% | 3,538 |
| Return on assets (ROA) | 0.7807% | 3,577 |
| Pretax return on assets | 1.0922% | 3,146 |
| Return on Equity (ROE) | 7.8024% | 3,227 |
| Retained earnings to average equity (ytd only) | 7.8024% | 1,496 |
| Net charge-offs to loans | 0.3484% | 1,807 |
| Credit loss provision to net charge-offs | 73.6264% | 2,986 |
| Earnings coverage of net charge-offs (x) | 8.8725% | 2,564 |
| Efficiency ratio | 66.3891% | 4,413 |
| Assets per employee ($millions) | 4.1303% | 3,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7963% | 6,292 |
| Loan loss allowance to noncurrent loans | 78.0119% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.0211% | 3,604 |
| Noncurrent loans to loans | 1.0207% | 3,760 |
| Net loans and leases to total assets | 38.2072% | 6,163 |
| Net loans and leases to deposits | 42.5855% | 6,277 |
| Net loans and leases to core deposits | 43.4712% | 6,326 |
| Total domestic deposits to total assets | 89.7187% | 1,162 |
| Equity capital to assets | 9.9415% | 3,983 |
| Core capital (leverage) ratio | 9.9632% | 3,725 |
| Tier 1 risk-based capital ratio | 21.7286% | 1,361 |
| Total risk-based capital ratio | 22.4650% | 1,417 |
| Memoranda: | ||
| Average total assets | $462,310,500 | 1,435 |
| Average earning assets | $436,339,500 | 1,398 |
| Average equity | $46,258,250 | 1,524 |
| Average total loans | $174,102,750 | 2,263 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2454% | 6,168 |
| Cost of funding earning assets | 0.2189% | 6,375 |
| Net interest margin | 3.0265% | 5,503 |
| Noninterest income to average assets | 0.6212% | 3,070 |
| Noninterest expense to average assets | 2.2835% | 5,411 |
| Loan and lease loss provision to assets | 0.0827% | 3,415 |
| Net operating income to assets | 0.8040% | 3,278 |
| Return on assets (ROA) | 0.8310% | 3,301 |
| Pretax return on assets | 1.1444% | 2,911 |
| Return on Equity (ROE) | 8.2866% | 2,949 |
| Retained earnings to average equity (ytd only) | 8.2866% | 1,369 |
| Net charge-offs to loans | 0.4858% | 1,355 |
| Credit loss provision to net charge-offs | 45.5635% | 3,302 |
| Earnings coverage of net charge-offs (x) | 6.5564% | 2,699 |
| Efficiency ratio | 65.7393% | 4,595 |
| Assets per employee ($millions) | 4.1242% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7616% | 6,417 |
| Loan loss allowance to noncurrent loans | 77.3279% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.0079% | 3,741 |
| Noncurrent loans to loans | 0.9849% | 3,968 |
| Net loans and leases to total assets | 37.0545% | 6,235 |
| Net loans and leases to deposits | 41.2100% | 6,357 |
| Net loans and leases to core deposits | 42.0808% | 6,403 |
| Total domestic deposits to total assets | 89.9163% | 1,072 |
| Equity capital to assets | 9.7502% | 4,240 |
| Core capital (leverage) ratio | 10.0126% | 3,491 |
| Tier 1 risk-based capital ratio | 21.7487% | 1,343 |
| Total risk-based capital ratio | 22.4480% | 1,416 |
| Memoranda: | ||
| Average total assets | $459,462,670 | 1,442 |
| Average earning assets | $433,045,000 | 1,411 |
| Average equity | $46,074,330 | 1,539 |
| Average total loans | $171,689,000 | 2,298 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2972% | 6,158 |
| Cost of funding earning assets | 0.2241% | 6,452 |
| Net interest margin | 3.0732% | 5,357 |
| Noninterest income to average assets | 0.7064% | 2,559 |
| Noninterest expense to average assets | 2.3377% | 5,312 |
| Loan and lease loss provision to assets | 0.0573% | 3,678 |
| Net operating income to assets | 0.9009% | 2,653 |
| Return on assets (ROA) | 0.9584% | 2,544 |
| Pretax return on assets | 1.2755% | 2,309 |
| Return on Equity (ROE) | 9.4219% | 2,308 |
| Retained earnings to average equity (ytd only) | 9.4219% | 1,267 |
| Net charge-offs to loans | 0.3982% | 1,458 |
| Credit loss provision to net charge-offs | 38.4615% | 2,769 |
| Earnings coverage of net charge-offs (x) | 8.4379% | 1,946 |
| Efficiency ratio | 65.0490% | 4,816 |
| Assets per employee ($millions) | 4.2218% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 6,355 |
| Loan loss allowance to noncurrent loans | 60.4055% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 1.3142% | 3,331 |
| Noncurrent loans to loans | 1.4162% | 3,442 |
| Net loans and leases to total assets | 37.1114% | 6,214 |
| Net loans and leases to deposits | 41.4790% | 6,350 |
| Net loans and leases to core deposits | 42.3072% | 6,390 |
| Total domestic deposits to total assets | 89.4702% | 1,374 |
| Equity capital to assets | 10.2434% | 3,866 |
| Core capital (leverage) ratio | 10.1276% | 3,245 |
| Tier 1 risk-based capital ratio | 21.8975% | 1,350 |
| Total risk-based capital ratio | 22.6740% | 1,416 |
| Memoranda: | ||
| Average total assets | $454,112,000 | 1,480 |
| Average earning assets | $426,660,000 | 1,444 |
| Average equity | $46,190,500 | 1,550 |
| Average total loans | $169,756,500 | 2,327 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5363% | 6,317 |
| Cost of funding earning assets | 0.2758% | 6,565 |
| Net interest margin | 3.2605% | 5,392 |
| Noninterest income to average assets | 0.6427% | 3,033 |
| Noninterest expense to average assets | 2.4546% | 5,238 |
| Loan and lease loss provision to assets | 0.0278% | 5,548 |
| Net operating income to assets | 0.8904% | 2,861 |
| Return on assets (ROA) | 0.9209% | 2,946 |
| Pretax return on assets | 1.2461% | 2,614 |
| Return on Equity (ROE) | 8.8918% | 2,689 |
| Retained earnings to average equity (ytd only) | 5.2644% | 2,528 |
| Net charge-offs to loans | 0.1285% | 4,395 |
| Credit loss provision to net charge-offs | 55.5556% | 4,559 |
| Earnings coverage of net charge-offs (x) | 24.6389% | 1,166 |
| Efficiency ratio | 66.5704% | 4,400 |
| Assets per employee ($millions) | 4.1877% | 3,569 |
| Cash dividends to net income (ytd only)* | 40.7948% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 6,207 |
| Loan loss allowance to noncurrent loans | 47.1795% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 1.3286% | 3,421 |
| Noncurrent loans to loans | 1.9634% | 2,730 |
| Net loans and leases to total assets | 36.9864% | 6,375 |
| Net loans and leases to deposits | 41.2771% | 6,486 |
| Net loans and leases to core deposits | 42.1374% | 6,542 |
| Total domestic deposits to total assets | 89.6051% | 1,186 |
| Equity capital to assets | 10.0992% | 4,036 |
| Core capital (leverage) ratio | 9.9947% | 3,406 |
| Tier 1 risk-based capital ratio | 21.6835% | 1,322 |
| Total risk-based capital ratio | 22.5230% | 1,377 |
| Memoranda: | ||
| Average total assets | $431,756,000 | 1,528 |
| Average earning assets | $403,161,200 | 1,493 |
| Average equity | $44,715,600 | 1,558 |
| Average total loans | $168,111,000 | 2,329 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5688% | 6,429 |
| Cost of funding earning assets | 0.2904% | 6,655 |
| Net interest margin | 3.2784% | 5,459 |
| Noninterest income to average assets | 0.6507% | 2,989 |
| Noninterest expense to average assets | 2.4002% | 5,400 |
| Loan and lease loss provision to assets | 0.0250% | 5,473 |
| Net operating income to assets | 0.9382% | 2,804 |
| Return on assets (ROA) | 0.9788% | 2,843 |
| Pretax return on assets | 1.3435% | 2,436 |
| Return on Equity (ROE) | 9.3892% | 2,638 |
| Retained earnings to average equity (ytd only) | 7.3657% | 1,911 |
| Net charge-offs to loans | 0.0294% | 5,248 |
| Credit loss provision to net charge-offs | 216.2162% | 1,286 |
| Earnings coverage of net charge-offs (x) | 113.5453% | 377 |
| Efficiency ratio | 64.6410% | 4,690 |
| Assets per employee ($millions) | 3.9222% | 4,033 |
| Cash dividends to net income (ytd only)* | 21.5518% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 5,939 |
| Loan loss allowance to noncurrent loans | 97.8736% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.0171% | 4,248 |
| Noncurrent loans to loans | 1.0605% | 4,319 |
| Net loans and leases to total assets | 37.6350% | 6,438 |
| Net loans and leases to deposits | 42.3312% | 6,580 |
| Net loans and leases to core deposits | 43.2348% | 6,624 |
| Total domestic deposits to total assets | 88.9060% | 1,484 |
| Equity capital to assets | 10.6683% | 3,643 |
| Core capital (leverage) ratio | 10.2763% | 3,195 |
| Tier 1 risk-based capital ratio | 22.4290% | 1,259 |
| Total risk-based capital ratio | 23.3653% | 1,291 |
| Memoranda: | ||
| Average total assets | $426,627,000 | 1,557 |
| Average earning assets | $398,513,000 | 1,528 |
| Average equity | $44,475,500 | 1,584 |
| Average total loans | $167,928,000 | 2,361 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5986% | 6,489 |
| Cost of funding earning assets | 0.3069% | 6,709 |
| Net interest margin | 3.2917% | 5,463 |
| Noninterest income to average assets | 0.6094% | 3,197 |
| Noninterest expense to average assets | 2.3453% | 5,626 |
| Loan and lease loss provision to assets | 0.0376% | 5,205 |
| Net operating income to assets | 0.9473% | 2,671 |
| Return on assets (ROA) | 1.0084% | 2,645 |
| Pretax return on assets | 1.3835% | 2,264 |
| Return on Equity (ROE) | 9.7501% | 2,467 |
| Retained earnings to average equity (ytd only) | 6.6791% | 2,286 |
| Net charge-offs to loans | 0.0461% | 4,748 |
| Credit loss provision to net charge-offs | 205.1282% | 1,388 |
| Earnings coverage of net charge-offs (x) | 72.8718% | 552 |
| Efficiency ratio | 63.6852% | 4,950 |
| Assets per employee ($millions) | 4.0341% | 3,809 |
| Cash dividends to net income (ytd only)* | 31.4979% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 6,042 |
| Loan loss allowance to noncurrent loans | 80.8845% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.1354% | 4,119 |
| Noncurrent loans to loans | 1.2713% | 4,014 |
| Net loans and leases to total assets | 38.2877% | 6,456 |
| Net loans and leases to deposits | 42.9257% | 6,605 |
| Net loans and leases to core deposits | 43.8260% | 6,667 |
| Total domestic deposits to total assets | 89.1951% | 1,392 |
| Equity capital to assets | 10.4239% | 3,778 |
| Core capital (leverage) ratio | 10.1655% | 3,184 |
| Tier 1 risk-based capital ratio | 22.2105% | 1,252 |
| Total risk-based capital ratio | 23.1568% | 1,290 |
| Memoranda: | ||
| Average total assets | $425,023,000 | 1,568 |
| Average earning assets | $396,819,330 | 1,535 |
| Average equity | $43,958,330 | 1,589 |
| Average total loans | $169,212,330 | 2,355 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6025% | 6,569 |
| Cost of funding earning assets | 0.3296% | 6,731 |
| Net interest margin | 3.2729% | 5,562 |
| Noninterest income to average assets | 0.5834% | 3,335 |
| Noninterest expense to average assets | 2.2949% | 5,783 |
| Loan and lease loss provision to assets | 0.0755% | 4,453 |
| Net operating income to assets | 0.9289% | 2,791 |
| Return on assets (ROA) | 0.9289% | 2,997 |
| Pretax return on assets | 1.2687% | 2,656 |
| Return on Equity (ROE) | 9.0171% | 2,823 |
| Retained earnings to average equity (ytd only) | 9.0171% | 1,590 |
| Net charge-offs to loans | 0.1099% | 3,472 |
| Credit loss provision to net charge-offs | 170.2128% | 1,499 |
| Earnings coverage of net charge-offs (x) | 30.2979% | 914 |
| Efficiency ratio | 63.0610% | 5,092 |
| Assets per employee ($millions) | 3.9462% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 6,230 |
| Loan loss allowance to noncurrent loans | 61.2962% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.3118% | 3,933 |
| Noncurrent loans to loans | 1.6386% | 3,646 |
| Net loans and leases to total assets | 39.5186% | 6,384 |
| Net loans and leases to deposits | 44.2906% | 6,542 |
| Net loans and leases to core deposits | 45.2681% | 6,610 |
| Total domestic deposits to total assets | 89.2257% | 1,533 |
| Equity capital to assets | 10.4344% | 3,575 |
| Core capital (leverage) ratio | 10.1263% | 3,207 |
| Tier 1 risk-based capital ratio | 22.0416% | 1,277 |
| Total risk-based capital ratio | 22.9883% | 1,304 |
| Memoranda: | ||
| Average total assets | $423,728,000 | 1,571 |
| Average earning assets | $395,613,500 | 1,533 |
| Average equity | $43,650,500 | 1,596 |
| Average total loans | $171,106,500 | 2,347 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8578% | 6,666 |
| Cost of funding earning assets | 0.4727% | 6,645 |
| Net interest margin | 3.3851% | 5,527 |
| Noninterest income to average assets | 0.5850% | 3,250 |
| Noninterest expense to average assets | 2.5537% | 5,271 |
| Loan and lease loss provision to assets | 0.0966% | 5,382 |
| Net operating income to assets | 0.8106% | 2,992 |
| Return on assets (ROA) | 0.8450% | 3,005 |
| Pretax return on assets | 1.1650% | 2,595 |
| Return on Equity (ROE) | 8.3022% | 2,761 |
| Retained earnings to average equity (ytd only) | 6.3192% | 1,844 |
| Net charge-offs to loans | 0.3192% | 3,794 |
| Credit loss provision to net charge-offs | 71.9490% | 4,778 |
| Earnings coverage of net charge-offs (x) | 9.0419% | 2,044 |
| Efficiency ratio | 67.7704% | 4,406 |
| Assets per employee ($millions) | 3.9371% | 3,991 |
| Cash dividends to net income (ytd only)* | 23.8854% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 6,377 |
| Loan loss allowance to noncurrent loans | 68.4536% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.3224% | 4,016 |
| Noncurrent loans to loans | 1.3965% | 4,052 |
| Net loans and leases to total assets | 40.4493% | 6,515 |
| Net loans and leases to deposits | 45.1826% | 6,666 |
| Net loans and leases to core deposits | 46.0954% | 6,733 |
| Total domestic deposits to total assets | 89.5240% | 1,249 |
| Equity capital to assets | 10.1696% | 3,944 |
| Core capital (leverage) ratio | 10.0551% | 3,274 |
| Tier 1 risk-based capital ratio | 20.7465% | 1,469 |
| Total risk-based capital ratio | 21.6427% | 1,521 |
| Memoranda: | ||
| Average total assets | $408,743,000 | 1,586 |
| Average earning assets | $384,361,200 | 1,541 |
| Average equity | $41,603,600 | 1,616 |
| Average total loans | $171,978,400 | 2,355 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 6,751 |
| Cost of funding earning assets | 0.5039% | 6,680 |
| Net interest margin | 3.3784% | 5,640 |
| Noninterest income to average assets | 0.5760% | 3,327 |
| Noninterest expense to average assets | 2.5270% | 5,368 |
| Loan and lease loss provision to assets | 0.1302% | 4,805 |
| Net operating income to assets | 0.7904% | 3,215 |
| Return on assets (ROA) | 0.8353% | 3,160 |
| Pretax return on assets | 1.1698% | 2,740 |
| Return on Equity (ROE) | 8.2049% | 2,960 |
| Retained earnings to average equity (ytd only) | 8.2049% | 1,427 |
| Net charge-offs to loans | 0.3637% | 3,269 |
| Credit loss provision to net charge-offs | 84.4017% | 3,988 |
| Earnings coverage of net charge-offs (x) | 8.0193% | 2,255 |
| Efficiency ratio | 67.1424% | 4,494 |
| Assets per employee ($millions) | 3.7961% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 6,190 |
| Loan loss allowance to noncurrent loans | 78.6360% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.4259% | 3,986 |
| Noncurrent loans to loans | 1.2920% | 4,374 |
| Net loans and leases to total assets | 41.3715% | 6,530 |
| Net loans and leases to deposits | 46.4979% | 6,720 |
| Net loans and leases to core deposits | 47.4484% | 6,785 |
| Total domestic deposits to total assets | 88.9749% | 1,441 |
| Equity capital to assets | 10.5941% | 3,582 |
| Core capital (leverage) ratio | 10.1865% | 3,208 |
| Tier 1 risk-based capital ratio | 20.9940% | 1,455 |
| Total risk-based capital ratio | 21.9432% | 1,493 |
| Memoranda: | ||
| Average total assets | $404,626,500 | 1,614 |
| Average earning assets | $381,793,250 | 1,562 |
| Average equity | $41,194,000 | 1,632 |
| Average total loans | $171,559,500 | 2,371 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8716% | 6,843 |
| Cost of funding earning assets | 0.5317% | 6,738 |
| Net interest margin | 3.3399% | 5,739 |
| Noninterest income to average assets | 0.5054% | 3,820 |
| Noninterest expense to average assets | 2.4863% | 5,596 |
| Loan and lease loss provision to assets | 0.1365% | 4,599 |
| Net operating income to assets | 0.7004% | 3,546 |
| Return on assets (ROA) | 0.7000% | 3,658 |
| Pretax return on assets | 1.0351% | 3,099 |
| Return on Equity (ROE) | 6.9720% | 3,461 |
| Retained earnings to average equity (ytd only) | 6.9720% | 1,891 |
| Net charge-offs to loans | 0.3892% | 3,005 |
| Credit loss provision to net charge-offs | 82.3353% | 3,703 |
| Earnings coverage of net charge-offs (x) | 7.0689% | 2,281 |
| Efficiency ratio | 67.9604% | 4,524 |
| Assets per employee ($millions) | 3.7150% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 6,243 |
| Loan loss allowance to noncurrent loans | 50.9286% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 1.3408% | 4,216 |
| Noncurrent loans to loans | 2.0067% | 3,469 |
| Net loans and leases to total assets | 41.2196% | 6,654 |
| Net loans and leases to deposits | 46.0866% | 6,827 |
| Net loans and leases to core deposits | 46.9653% | 6,897 |
| Total domestic deposits to total assets | 89.4393% | 1,270 |
| Equity capital to assets | 10.1799% | 3,902 |
| Core capital (leverage) ratio | 9.8504% | 3,452 |
| Tier 1 risk-based capital ratio | 20.4319% | 1,526 |
| Total risk-based capital ratio | 21.3888% | 1,561 |
| Memoranda: | ||
| Average total assets | $402,841,000 | 1,631 |
| Average earning assets | $380,306,670 | 1,576 |
| Average equity | $40,447,330 | 1,660 |
| Average total loans | $171,627,000 | 2,387 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8452% | 6,895 |
| Cost of funding earning assets | 0.5647% | 6,744 |
| Net interest margin | 3.2805% | 5,840 |
| Noninterest income to average assets | 0.5225% | 3,705 |
| Noninterest expense to average assets | 2.4709% | 5,664 |
| Loan and lease loss provision to assets | 0.1658% | 3,968 |
| Net operating income to assets | 0.5778% | 4,149 |
| Return on assets (ROA) | 0.5778% | 4,223 |
| Pretax return on assets | 0.9737% | 3,237 |
| Return on Equity (ROE) | 5.7961% | 4,019 |
| Retained earnings to average equity (ytd only) | 5.7961% | 2,755 |
| Net charge-offs to loans | 0.5758% | 2,050 |
| Credit loss provision to net charge-offs | 66.8016% | 3,411 |
| Earnings coverage of net charge-offs (x) | 4.5911% | 2,437 |
| Efficiency ratio | 68.4386% | 4,572 |
| Assets per employee ($millions) | 3.7278% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 6,361 |
| Loan loss allowance to noncurrent loans | 47.2836% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 1.3619% | 4,250 |
| Noncurrent loans to loans | 2.1324% | 3,401 |
| Net loans and leases to total assets | 41.8485% | 6,632 |
| Net loans and leases to deposits | 46.5928% | 6,813 |
| Net loans and leases to core deposits | 47.7877% | 6,884 |
| Total domestic deposits to total assets | 89.8175% | 1,269 |
| Equity capital to assets | 9.8534% | 3,962 |
| Core capital (leverage) ratio | 10.0351% | 3,106 |
| Tier 1 risk-based capital ratio | 19.9886% | 1,590 |
| Total risk-based capital ratio | 20.9324% | 1,624 |
| Memoranda: | ||
| Average total assets | $398,081,500 | 1,662 |
| Average earning assets | $374,698,000 | 1,617 |
| Average equity | $39,682,000 | 1,678 |
| Average total loans | $171,576,500 | 2,415 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3179% | 6,757 |
| Cost of funding earning assets | 0.8107% | 6,520 |
| Net interest margin | 3.5073% | 5,221 |
| Noninterest income to average assets | 0.7238% | 2,686 |
| Noninterest expense to average assets | 2.6317% | 5,290 |
| Loan and lease loss provision to assets | 0.1643% | 5,572 |
| Net operating income to assets | 0.8717% | 2,499 |
| Return on assets (ROA) | 0.8878% | 2,571 |
| Pretax return on assets | 1.2407% | 2,096 |
| Return on Equity (ROE) | 8.6846% | 2,428 |
| Retained earnings to average equity (ytd only) | 6.5798% | 1,519 |
| Net charge-offs to loans | 0.2289% | 4,912 |
| Credit loss provision to net charge-offs | 161.1253% | 2,162 |
| Earnings coverage of net charge-offs (x) | 13.5575% | 1,402 |
| Efficiency ratio | 65.5578% | 5,054 |
| Assets per employee ($millions) | 3.6095% | 4,675 |
| Cash dividends to net income (ytd only)* | 24.2362% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 6,117 |
| Loan loss allowance to noncurrent loans | 65.9876% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.2341% | 4,555 |
| Noncurrent loans to loans | 1.6041% | 4,096 |
| Net loans and leases to total assets | 43.4966% | 6,750 |
| Net loans and leases to deposits | 48.5409% | 6,924 |
| Net loans and leases to core deposits | 49.7993% | 6,988 |
| Total domestic deposits to total assets | 89.6082% | 1,320 |
| Equity capital to assets | 10.0880% | 3,637 |
| Core capital (leverage) ratio | 10.0363% | 3,052 |
| Tier 1 risk-based capital ratio | 19.8235% | 1,520 |
| Total risk-based capital ratio | 20.8148% | 1,550 |
| Memoranda: | ||
| Average total assets | $383,406,400 | 1,715 |
| Average earning assets | $359,710,000 | 1,665 |
| Average equity | $39,196,000 | 1,686 |
| Average total loans | $170,814,400 | 2,460 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 6,872 |
| Cost of funding earning assets | 0.8577% | 6,554 |
| Net interest margin | 3.5055% | 5,271 |
| Noninterest income to average assets | 0.7194% | 2,709 |
| Noninterest expense to average assets | 2.5688% | 5,432 |
| Loan and lease loss provision to assets | 0.1641% | 5,396 |
| Net operating income to assets | 0.8950% | 2,634 |
| Return on assets (ROA) | 0.9160% | 2,692 |
| Pretax return on assets | 1.3078% | 2,147 |
| Return on Equity (ROE) | 8.9299% | 2,514 |
| Retained earnings to average equity (ytd only) | 8.9299% | 1,076 |
| Net charge-offs to loans | 0.1617% | 5,027 |
| Credit loss provision to net charge-offs | 227.0531% | 1,517 |
| Earnings coverage of net charge-offs (x) | 19.9471% | 1,185 |
| Efficiency ratio | 64.0488% | 5,229 |
| Assets per employee ($millions) | 3.5196% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 6,108 |
| Loan loss allowance to noncurrent loans | 77.1620% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.2704% | 4,602 |
| Noncurrent loans to loans | 1.3760% | 4,560 |
| Net loans and leases to total assets | 45.0585% | 6,769 |
| Net loans and leases to deposits | 50.6226% | 6,976 |
| Net loans and leases to core deposits | 52.3492% | 7,034 |
| Total domestic deposits to total assets | 89.0088% | 1,385 |
| Equity capital to assets | 10.6240% | 3,382 |
| Core capital (leverage) ratio | 10.2766% | 2,947 |
| Tier 1 risk-based capital ratio | 20.2036% | 1,510 |
| Total risk-based capital ratio | 21.2250% | 1,524 |
| Memoranda: | ||
| Average total assets | $381,801,000 | 1,746 |
| Average earning assets | $358,478,500 | 1,692 |
| Average equity | $39,163,500 | 1,701 |
| Average total loans | $170,674,000 | 2,505 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3842% | 6,932 |
| Cost of funding earning assets | 0.9038% | 6,565 |
| Net interest margin | 3.4805% | 5,322 |
| Noninterest income to average assets | 0.7354% | 2,479 |
| Noninterest expense to average assets | 2.6242% | 5,231 |
| Loan and lease loss provision to assets | 0.1752% | 5,113 |
| Net operating income to assets | 0.8407% | 2,776 |
| Return on assets (ROA) | 0.8714% | 2,784 |
| Pretax return on assets | 1.2533% | 2,245 |
| Return on Equity (ROE) | 8.5972% | 2,620 |
| Retained earnings to average equity (ytd only) | 8.5972% | 1,230 |
| Net charge-offs to loans | 0.2237% | 4,258 |
| Credit loss provision to net charge-offs | 176.3158% | 2,221 |
| Earnings coverage of net charge-offs (x) | 13.9316% | 1,561 |
| Efficiency ratio | 65.4619% | 5,072 |
| Assets per employee ($millions) | 3.4668% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 6,405 |
| Loan loss allowance to noncurrent loans | 68.4441% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.3678% | 4,433 |
| Noncurrent loans to loans | 1.4603% | 4,518 |
| Net loans and leases to total assets | 44.6751% | 6,871 |
| Net loans and leases to deposits | 50.0120% | 7,067 |
| Net loans and leases to core deposits | 51.8867% | 7,142 |
| Total domestic deposits to total assets | 89.3287% | 1,271 |
| Equity capital to assets | 10.3398% | 3,593 |
| Core capital (leverage) ratio | 9.9720% | 3,195 |
| Tier 1 risk-based capital ratio | 19.5543% | 1,595 |
| Total risk-based capital ratio | 20.5074% | 1,625 |
| Memoranda: | ||
| Average total assets | $382,361,000 | 1,758 |
| Average earning assets | $359,606,330 | 1,703 |
| Average equity | $38,756,670 | 1,716 |
| Average total loans | $169,860,330 | 2,543 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3601% | 7,052 |
| Cost of funding earning assets | 0.9541% | 6,558 |
| Net interest margin | 3.4059% | 5,556 |
| Noninterest income to average assets | 0.7282% | 2,413 |
| Noninterest expense to average assets | 2.5241% | 5,636 |
| Loan and lease loss provision to assets | 0.2194% | 4,306 |
| Net operating income to assets | 0.8055% | 2,939 |
| Return on assets (ROA) | 0.8055% | 3,036 |
| Pretax return on assets | 1.1921% | 2,385 |
| Return on Equity (ROE) | 8.0272% | 2,872 |
| Retained earnings to average equity (ytd only) | 8.0272% | 1,701 |
| Net charge-offs to loans | 0.1778% | 3,857 |
| Credit loss provision to net charge-offs | 280.0000% | 1,418 |
| Earnings coverage of net charge-offs (x) | 18.0133% | 1,248 |
| Efficiency ratio | 64.1359% | 5,469 |
| Assets per employee ($millions) | 3.4955% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 6,475 |
| Loan loss allowance to noncurrent loans | 64.6014% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.4050% | 4,406 |
| Noncurrent loans to loans | 1.5481% | 4,422 |
| Net loans and leases to total assets | 44.4282% | 6,960 |
| Net loans and leases to deposits | 49.6172% | 7,144 |
| Net loans and leases to core deposits | 51.6998% | 7,219 |
| Total domestic deposits to total assets | 89.5420% | 1,214 |
| Equity capital to assets | 10.1307% | 3,701 |
| Core capital (leverage) ratio | 9.8122% | 3,386 |
| Tier 1 risk-based capital ratio | 19.1849% | 1,674 |
| Total risk-based capital ratio | 20.1373% | 1,706 |
| Memoranda: | ||
| Average total assets | $382,866,000 | 1,801 |
| Average earning assets | $360,546,000 | 1,737 |
| Average equity | $38,419,500 | 1,753 |
| Average total loans | $168,746,000 | 2,635 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8379% | 6,863 |
| Cost of funding earning assets | 1.2264% | 6,565 |
| Net interest margin | 3.6116% | 4,515 |
| Noninterest income to average assets | 0.7507% | 2,674 |
| Noninterest expense to average assets | 2.7186% | 5,302 |
| Loan and lease loss provision to assets | 0.3405% | 4,759 |
| Net operating income to assets | 0.7826% | 2,593 |
| Return on assets (ROA) | 0.8074% | 2,590 |
| Pretax return on assets | 1.1318% | 2,154 |
| Return on Equity (ROE) | 7.8368% | 2,444 |
| Retained earnings to average equity (ytd only) | 5.6555% | 1,495 |
| Net charge-offs to loans | 0.7288% | 3,010 |
| Credit loss provision to net charge-offs | 101.7087% | 5,428 |
| Earnings coverage of net charge-offs (x) | 4.2937% | 2,996 |
| Efficiency ratio | 65.4126% | 5,511 |
| Assets per employee ($millions) | 3.4975% | 5,005 |
| Cash dividends to net income (ytd only)* | 27.8340% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 6,649 |
| Loan loss allowance to noncurrent loans | 95.7447% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 1.2050% | 4,691 |
| Noncurrent loans to loans | 0.9880% | 5,342 |
| Net loans and leases to total assets | 42.8702% | 7,198 |
| Net loans and leases to deposits | 47.7903% | 7,363 |
| Net loans and leases to core deposits | 55.4612% | 7,422 |
| Total domestic deposits to total assets | 89.7048% | 1,106 |
| Equity capital to assets | 9.9396% | 3,849 |
| Core capital (leverage) ratio | 9.7342% | 3,407 |
| Tier 1 risk-based capital ratio | 18.7863% | 1,703 |
| Total risk-based capital ratio | 19.6692% | 1,732 |
| Memoranda: | ||
| Average total assets | $367,103,600 | 1,850 |
| Average earning assets | $346,139,200 | 1,805 |
| Average equity | $37,821,600 | 1,768 |
| Average total loans | $168,643,200 | 2,638 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9463% | 6,776 |
| Cost of funding earning assets | 1.2654% | 6,670 |
| Net interest margin | 3.6809% | 4,157 |
| Noninterest income to average assets | 0.7628% | 2,634 |
| Noninterest expense to average assets | 2.6501% | 5,522 |
| Loan and lease loss provision to assets | 0.3235% | 4,398 |
| Net operating income to assets | 0.8628% | 2,564 |
| Return on assets (ROA) | 0.8948% | 2,513 |
| Pretax return on assets | 1.3105% | 1,931 |
| Return on Equity (ROE) | 8.6042% | 2,408 |
| Retained earnings to average equity (ytd only) | 8.6042% | 942 |
| Net charge-offs to loans | 0.3531% | 3,880 |
| Credit loss provision to net charge-offs | 196.4286% | 2,286 |
| Earnings coverage of net charge-offs (x) | 9.6361% | 2,080 |
| Efficiency ratio | 62.5455% | 6,009 |
| Assets per employee ($millions) | 3.3254% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 5,304 |
| Loan loss allowance to noncurrent loans | 52.4426% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 1.3866% | 4,322 |
| Noncurrent loans to loans | 2.2290% | 3,345 |
| Net loans and leases to total assets | 45.9018% | 7,116 |
| Net loans and leases to deposits | 51.5935% | 7,322 |
| Net loans and leases to core deposits | 59.4436% | 7,422 |
| Total domestic deposits to total assets | 88.9682% | 1,213 |
| Equity capital to assets | 10.5960% | 3,407 |
| Core capital (leverage) ratio | 10.1188% | 3,152 |
| Tier 1 risk-based capital ratio | 19.2278% | 1,698 |
| Total risk-based capital ratio | 20.3392% | 1,688 |
| Memoranda: | ||
| Average total assets | $362,699,000 | 1,890 |
| Average earning assets | $342,335,250 | 1,840 |
| Average equity | $37,717,000 | 1,800 |
| Average total loans | $169,177,500 | 2,662 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9798% | 6,835 |
| Cost of funding earning assets | 1.3008% | 6,805 |
| Net interest margin | 3.6790% | 4,047 |
| Noninterest income to average assets | 0.7515% | 2,695 |
| Noninterest expense to average assets | 2.7147% | 5,327 |
| Loan and lease loss provision to assets | 0.1548% | 5,523 |
| Net operating income to assets | 0.9120% | 2,409 |
| Return on assets (ROA) | 0.9594% | 2,345 |
| Pretax return on assets | 1.4218% | 1,662 |
| Return on Equity (ROE) | 9.2857% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.2857% | 864 |
| Net charge-offs to loans | 0.3492% | 3,442 |
| Credit loss provision to net charge-offs | 94.9153% | 4,777 |
| Earnings coverage of net charge-offs (x) | 9.2305% | 2,161 |
| Efficiency ratio | 64.3213% | 5,845 |
| Assets per employee ($millions) | 3.2288% | 5,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9038% | 6,752 |
| Loan loss allowance to noncurrent loans | 84.0066% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 5,567 |
| Noncurrent loans to loans | 1.0759% | 5,056 |
| Net loans and leases to total assets | 46.6613% | 7,150 |
| Net loans and leases to deposits | 52.4306% | 7,359 |
| Net loans and leases to core deposits | 60.5655% | 7,431 |
| Total domestic deposits to total assets | 88.9963% | 1,276 |
| Equity capital to assets | 10.5027% | 3,399 |
| Core capital (leverage) ratio | 9.9596% | 3,333 |
| Tier 1 risk-based capital ratio | 19.1325% | 1,754 |
| Total risk-based capital ratio | 20.0227% | 1,779 |
| Memoranda: | ||
| Average total assets | $361,666,000 | 1,915 |
| Average earning assets | $341,016,000 | 1,861 |
| Average equity | $37,369,330 | 1,822 |
| Average total loans | $168,938,670 | 2,693 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9874% | 6,955 |
| Cost of funding earning assets | 1.3419% | 6,900 |
| Net interest margin | 3.6454% | 4,120 |
| Noninterest income to average assets | 0.7388% | 2,662 |
| Noninterest expense to average assets | 2.5989% | 5,452 |
| Loan and lease loss provision to assets | 0.1106% | 5,547 |
| Net operating income to assets | 1.0060% | 2,285 |
| Return on assets (ROA) | 1.1037% | 2,077 |
| Pretax return on assets | 1.6047% | 1,391 |
| Return on Equity (ROE) | 10.7706% | 2,035 |
| Retained earnings to average equity (ytd only) | 10.7706% | 1,014 |
| Net charge-offs to loans | 0.1236% | 3,985 |
| Credit loss provision to net charge-offs | 192.3077% | 2,291 |
| Earnings coverage of net charge-offs (x) | 27.3654% | 1,135 |
| Efficiency ratio | 62.2847% | 6,002 |
| Assets per employee ($millions) | 3.2076% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 6,526 |
| Loan loss allowance to noncurrent loans | 126.0425% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.9166% | 4,899 |
| Noncurrent loans to loans | 0.7502% | 5,556 |
| Net loans and leases to total assets | 46.7114% | 7,133 |
| Net loans and leases to deposits | 52.3969% | 7,373 |
| Net loans and leases to core deposits | 60.4423% | 7,435 |
| Total domestic deposits to total assets | 89.1492% | 1,172 |
| Equity capital to assets | 10.3754% | 3,584 |
| Core capital (leverage) ratio | 9.9487% | 3,459 |
| Tier 1 risk-based capital ratio | 19.5037% | 1,722 |
| Total risk-based capital ratio | 20.4647% | 1,734 |
| Memoranda: | ||
| Average total assets | $361,687,500 | 1,921 |
| Average earning assets | $340,700,000 | 1,869 |
| Average equity | $37,064,000 | 1,847 |
| Average total loans | $168,269,500 | 2,726 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6681% | 6,873 |
| Cost of funding earning assets | 1.9500% | 6,568 |
| Net interest margin | 3.7182% | 4,392 |
| Noninterest income to average assets | 0.8536% | 2,209 |
| Noninterest expense to average assets | 2.7708% | 4,947 |
| Loan and lease loss provision to assets | 0.1795% | 5,100 |
| Net operating income to assets | 0.9673% | 2,710 |
| Return on assets (ROA) | 0.9879% | 2,477 |
| Pretax return on assets | 1.4221% | 1,900 |
| Return on Equity (ROE) | 9.8534% | 2,315 |
| Retained earnings to average equity (ytd only) | 7.4862% | 987 |
| Net charge-offs to loans | 0.2426% | 3,838 |
| Credit loss provision to net charge-offs | 161.2403% | 3,204 |
| Earnings coverage of net charge-offs (x) | 14.1163% | 2,071 |
| Efficiency ratio | 63.8068% | 5,604 |
| Assets per employee ($millions) | 3.2223% | 5,423 |
| Cash dividends to net income (ytd only)* | 24.0245% | 4,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 6,507 |
| Loan loss allowance to noncurrent loans | 68.0683% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 0.9568% | 4,435 |
| Noncurrent loans to loans | 1.3660% | 3,787 |
| Net loans and leases to total assets | 45.4713% | 7,374 |
| Net loans and leases to deposits | 50.8945% | 7,587 |
| Net loans and leases to core deposits | 59.0382% | 7,625 |
| Total domestic deposits to total assets | 89.3442% | 899 |
| Equity capital to assets | 10.1213% | 3,897 |
| Core capital (leverage) ratio | 9.7156% | 3,748 |
| Tier 1 risk-based capital ratio | 18.8878% | 1,839 |
| Total risk-based capital ratio | 19.8191% | 1,852 |
| Memoranda: | ||
| Average total assets | $347,589,200 | 1,914 |
| Average earning assets | $326,156,000 | 1,871 |
| Average equity | $34,851,000 | 1,941 |
| Average total loans | $159,550,800 | 2,776 |