Home > The Freedom Bank of Virginia > Performance and Condition Ratios
The Freedom Bank of Virginia, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1257% | 1,028 |
| Cost of funding earning assets | 3.0137% | 314 |
| Net interest margin | 3.1120% | 3,198 |
| Noninterest income to average assets | 0.3600% | 2,477 |
| Noninterest expense to average assets | 2.1019% | 3,353 |
| Loan and lease loss provision to assets | 0.1100% | 1,177 |
| Net operating income to assets | 0.8917% | 2,602 |
| Return on assets (ROA) | 0.8917% | 2,610 |
| Pretax return on assets | 1.0639% | 2,586 |
| Return on Equity (ROE) | 9.6400% | 2,427 |
| Retained earnings to average equity (ytd only) | 9.6363% | 1,267 |
| Net charge-offs to loans | 0.1358% | 698 |
| Credit loss provision to net charge-offs | 122.3077% | 1,144 |
| Earnings coverage of net charge-offs (x) | 12.2731% | 1,638 |
| Efficiency ratio | 64.1178% | 2,456 |
| Assets per employee ($millions) | 12.2841% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 3,682 |
| Loan loss allowance to noncurrent loans | 61.5212% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.9912% | 714 |
| Noncurrent loans to loans | 1.4130% | 713 |
| Net loans and leases to total assets | 69.5400% | 1,887 |
| Net loans and leases to deposits | 82.4776% | 1,842 |
| Net loans and leases to core deposits | 115.6975% | 673 |
| Total domestic deposits to total assets | 84.3100% | 2,808 |
| Equity capital to assets | 9.4205% | 2,637 |
| Core capital (leverage) ratio | 10.7645% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9454% | 1,535 |
| Memoranda: | ||
| Average total assets | $1,085,098,500 | 954 |
| Average earning assets | $1,017,354,500 | 937 |
| Average equity | $100,412,000 | 1,036 |
| Average total loans | $766,076,000 | 957 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0209% | 1,256 |
| Cost of funding earning assets | 3.4759% | 199 |
| Net interest margin | 2.5451% | 3,851 |
| Noninterest income to average assets | 0.4400% | 2,226 |
| Noninterest expense to average assets | 2.1733% | 3,212 |
| Loan and lease loss provision to assets | -0.0600% | 4,293 |
| Net operating income to assets | 0.5852% | 3,273 |
| Return on assets (ROA) | 0.5854% | 3,294 |
| Pretax return on assets | 0.7077% | 3,239 |
| Return on Equity (ROE) | 6.5500% | 3,143 |
| Retained earnings to average equity (ytd only) | 6.5509% | 1,602 |
| Net charge-offs to loans | 0.4220% | 359 |
| Credit loss provision to net charge-offs | -21.8282% | 4,302 |
| Earnings coverage of net charge-offs (x) | 2.1764% | 2,841 |
| Efficiency ratio | 76.9238% | 1,290 |
| Assets per employee ($millions) | 12.3772% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 3,780 |
| Loan loss allowance to noncurrent loans | 47.7949% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.2553% | 494 |
| Noncurrent loans to loans | 1.7669% | 487 |
| Net loans and leases to total assets | 70.4500% | 1,838 |
| Net loans and leases to deposits | 84.2437% | 1,755 |
| Net loans and leases to core deposits | 133.4442% | 324 |
| Total domestic deposits to total assets | 83.6300% | 2,881 |
| Equity capital to assets | 9.0882% | 2,760 |
| Core capital (leverage) ratio | 10.3930% | 2,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3512% | 1,734 |
| Memoranda: | ||
| Average total assets | $1,091,942,800 | 947 |
| Average earning assets | $1,023,029,600 | 925 |
| Average equity | $97,574,400 | 1,041 |
| Average total loans | $775,194,600 | 926 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0379% | 1,204 |
| Cost of funding earning assets | 3.5091% | 192 |
| Net interest margin | 2.5288% | 3,846 |
| Noninterest income to average assets | 0.4300% | 2,252 |
| Noninterest expense to average assets | 2.1541% | 3,203 |
| Loan and lease loss provision to assets | -0.0800% | 4,362 |
| Net operating income to assets | 0.5850% | 3,267 |
| Return on assets (ROA) | 0.5852% | 3,293 |
| Pretax return on assets | 0.7237% | 3,200 |
| Return on Equity (ROE) | 6.5800% | 3,159 |
| Retained earnings to average equity (ytd only) | 6.5773% | 1,880 |
| Net charge-offs to loans | 0.2113% | 563 |
| Credit loss provision to net charge-offs | -49.3897% | 4,366 |
| Earnings coverage of net charge-offs (x) | 4.3173% | 2,451 |
| Efficiency ratio | 76.8892% | 1,319 |
| Assets per employee ($millions) | 12.0833% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 2,705 |
| Loan loss allowance to noncurrent loans | 73.7848% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.0702% | 606 |
| Noncurrent loans to loans | 1.5060% | 622 |
| Net loans and leases to total assets | 70.2700% | 1,813 |
| Net loans and leases to deposits | 86.8545% | 1,554 |
| Net loans and leases to core deposits | 118.7825% | 646 |
| Total domestic deposits to total assets | 80.9100% | 3,321 |
| Equity capital to assets | 9.1249% | 2,938 |
| Core capital (leverage) ratio | 10.2282% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2178% | 1,822 |
| Memoranda: | ||
| Average total assets | $1,092,629,750 | 934 |
| Average earning assets | $1,023,703,000 | 920 |
| Average equity | $97,221,000 | 1,035 |
| Average total loans | $775,527,750 | 920 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0099% | 1,151 |
| Cost of funding earning assets | 3.4389% | 200 |
| Net interest margin | 2.5711% | 3,777 |
| Noninterest income to average assets | 0.4400% | 2,147 |
| Noninterest expense to average assets | 2.1265% | 3,259 |
| Loan and lease loss provision to assets | -0.2200% | 4,469 |
| Net operating income to assets | 0.7426% | 2,811 |
| Return on assets (ROA) | 0.7424% | 2,827 |
| Pretax return on assets | 0.9366% | 2,662 |
| Return on Equity (ROE) | 8.4200% | 2,609 |
| Retained earnings to average equity (ytd only) | 8.4152% | 1,249 |
| Net charge-offs to loans | 0.2888% | 383 |
| Credit loss provision to net charge-offs | -104.3868% | 4,441 |
| Earnings coverage of net charge-offs (x) | 3.5103% | 2,320 |
| Efficiency ratio | 74.7261% | 1,578 |
| Assets per employee ($millions) | 11.9030% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 2,998 |
| Loan loss allowance to noncurrent loans | 71.2642% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.0554% | 553 |
| Noncurrent loans to loans | 1.4830% | 587 |
| Net loans and leases to total assets | 70.4100% | 1,856 |
| Net loans and leases to deposits | 87.5037% | 1,524 |
| Net loans and leases to core deposits | 132.4181% | 361 |
| Total domestic deposits to total assets | 80.4700% | 3,368 |
| Equity capital to assets | 8.8098% | 2,868 |
| Core capital (leverage) ratio | 10.2816% | 2,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0069% | 1,884 |
| Memoranda: | ||
| Average total assets | $1,090,312,333 | 935 |
| Average earning assets | $1,020,975,667 | 924 |
| Average equity | $96,182,667 | 1,037 |
| Average total loans | $773,570,000 | 917 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0665% | 975 |
| Cost of funding earning assets | 3.4251% | 186 |
| Net interest margin | 2.6414% | 3,662 |
| Noninterest income to average assets | 0.4300% | 2,109 |
| Noninterest expense to average assets | 2.1362% | 3,229 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5986% | 3,152 |
| Return on assets (ROA) | 0.5986% | 3,179 |
| Pretax return on assets | 0.7758% | 2,981 |
| Return on Equity (ROE) | 6.7800% | 3,011 |
| Retained earnings to average equity (ytd only) | 6.7807% | 1,896 |
| Net charge-offs to loans | 0.5465% | 177 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 1.9991% | 2,020 |
| Efficiency ratio | 73.4049% | 1,791 |
| Assets per employee ($millions) | 12.1338% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 2,078 |
| Loan loss allowance to noncurrent loans | 71.5117% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.2121% | 436 |
| Noncurrent loans to loans | 1.7304% | 419 |
| Net loans and leases to total assets | 69.1800% | 1,893 |
| Net loans and leases to deposits | 84.4074% | 1,679 |
| Net loans and leases to core deposits | 94.7805% | 1,732 |
| Total domestic deposits to total assets | 81.9600% | 3,181 |
| Equity capital to assets | 8.7813% | 2,824 |
| Core capital (leverage) ratio | 10.2565% | 2,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0134% | 1,869 |
| Memoranda: | ||
| Average total assets | $1,087,930,000 | 938 |
| Average earning assets | $1,020,812,500 | 930 |
| Average equity | $96,037,000 | 1,032 |
| Average total loans | $770,694,500 | 921 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8256% | 797 |
| Cost of funding earning assets | 2.9428% | 162 |
| Net interest margin | 2.8828% | 3,519 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.1280% | 3,327 |
| Loan and lease loss provision to assets | 0.5500% | 157 |
| Net operating income to assets | 0.3681% | 3,931 |
| Return on assets (ROA) | 0.3681% | 3,922 |
| Pretax return on assets | 0.3924% | 3,975 |
| Return on Equity (ROE) | 3.9900% | 3,887 |
| Retained earnings to average equity (ytd only) | 3.9913% | 2,965 |
| Net charge-offs to loans | 0.3396% | 321 |
| Credit loss provision to net charge-offs | 228.9306% | 1,130 |
| Earnings coverage of net charge-offs (x) | 3.9126% | 2,620 |
| Efficiency ratio | 69.2296% | 1,986 |
| Assets per employee ($millions) | 12.1777% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 1,564 |
| Loan loss allowance to noncurrent loans | 79.6291% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.2188% | 354 |
| Noncurrent loans to loans | 1.7014% | 366 |
| Net loans and leases to total assets | 70.6700% | 1,737 |
| Net loans and leases to deposits | 83.1473% | 1,845 |
| Net loans and leases to core deposits | 119.8306% | 627 |
| Total domestic deposits to total assets | 84.9900% | 2,317 |
| Equity capital to assets | 8.8740% | 2,769 |
| Core capital (leverage) ratio | 10.2592% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8206% | 1,929 |
| Memoranda: | ||
| Average total assets | $1,036,653,400 | 955 |
| Average earning assets | $970,241,800 | 933 |
| Average equity | $95,609,000 | 979 |
| Average total loans | $737,935,000 | 915 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7047% | 781 |
| Cost of funding earning assets | 2.7825% | 166 |
| Net interest margin | 2.9222% | 3,496 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.1572% | 3,193 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.7081% | 3,306 |
| Return on assets (ROA) | 0.7081% | 3,285 |
| Pretax return on assets | 0.8205% | 3,287 |
| Return on Equity (ROE) | 7.6000% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.6018% | 2,105 |
| Net charge-offs to loans | 0.1893% | 463 |
| Credit loss provision to net charge-offs | 95.3578% | 1,662 |
| Earnings coverage of net charge-offs (x) | 7.0532% | 2,253 |
| Efficiency ratio | 69.4534% | 1,850 |
| Assets per employee ($millions) | 11.8980% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 3,561 |
| Loan loss allowance to noncurrent loans | 103.8284% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 871 |
| Noncurrent loans to loans | 0.9147% | 900 |
| Net loans and leases to total assets | 71.0500% | 1,689 |
| Net loans and leases to deposits | 81.0814% | 1,967 |
| Net loans and leases to core deposits | 115.2893% | 687 |
| Total domestic deposits to total assets | 87.6300% | 1,693 |
| Equity capital to assets | 8.8695% | 2,489 |
| Core capital (leverage) ratio | 10.6448% | 2,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1014% | 1,855 |
| Memoranda: | ||
| Average total assets | $1,024,863,250 | 966 |
| Average earning assets | $958,435,000 | 943 |
| Average equity | $95,466,750 | 974 |
| Average total loans | $728,316,750 | 922 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5480% | 780 |
| Cost of funding earning assets | 2.5339% | 181 |
| Net interest margin | 3.0141% | 3,393 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.2125% | 3,036 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.7459% | 3,228 |
| Return on assets (ROA) | 0.7459% | 3,251 |
| Pretax return on assets | 0.8576% | 3,271 |
| Return on Equity (ROE) | 7.8800% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.8765% | 2,003 |
| Net charge-offs to loans | 0.2251% | 362 |
| Credit loss provision to net charge-offs | 96.6584% | 1,474 |
| Earnings coverage of net charge-offs (x) | 6.3453% | 2,129 |
| Efficiency ratio | 68.6211% | 1,902 |
| Assets per employee ($millions) | 10.8466% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 3,536 |
| Loan loss allowance to noncurrent loans | 104.8849% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6507% | 817 |
| Noncurrent loans to loans | 0.9238% | 833 |
| Net loans and leases to total assets | 69.7600% | 1,773 |
| Net loans and leases to deposits | 80.4231% | 1,940 |
| Net loans and leases to core deposits | 87.6001% | 1,958 |
| Total domestic deposits to total assets | 86.7400% | 2,012 |
| Equity capital to assets | 9.3324% | 2,286 |
| Core capital (leverage) ratio | 10.9870% | 1,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3699% | 1,769 |
| Memoranda: | ||
| Average total assets | $1,013,510,333 | 964 |
| Average earning assets | $947,876,000 | 945 |
| Average equity | $95,982,000 | 966 |
| Average total loans | $717,879,333 | 915 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3202% | 809 |
| Cost of funding earning assets | 2.1607% | 213 |
| Net interest margin | 3.1594% | 3,210 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.4297% | 2,442 |
| Loan and lease loss provision to assets | 0.2200% | 458 |
| Net operating income to assets | 0.6650% | 3,541 |
| Return on assets (ROA) | 0.6650% | 3,495 |
| Pretax return on assets | 0.6883% | 3,688 |
| Return on Equity (ROE) | 6.9700% | 3,523 |
| Retained earnings to average equity (ytd only) | 6.9696% | 2,501 |
| Net charge-offs to loans | 0.2873% | 273 |
| Credit loss provision to net charge-offs | 106.4706% | 1,084 |
| Earnings coverage of net charge-offs (x) | 4.4373% | 1,854 |
| Efficiency ratio | 72.8494% | 1,454 |
| Assets per employee ($millions) | 10.4550% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 3,506 |
| Loan loss allowance to noncurrent loans | 105.5032% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6701% | 736 |
| Noncurrent loans to loans | 0.9504% | 792 |
| Net loans and leases to total assets | 69.8000% | 1,645 |
| Net loans and leases to deposits | 80.8890% | 1,757 |
| Net loans and leases to core deposits | 90.0886% | 1,611 |
| Total domestic deposits to total assets | 86.3000% | 2,507 |
| Equity capital to assets | 9.5346% | 2,115 |
| Core capital (leverage) ratio | 11.2958% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3404% | 1,855 |
| Memoranda: | ||
| Average total assets | $999,627,500 | 991 |
| Average earning assets | $935,986,000 | 971 |
| Average equity | $95,385,000 | 985 |
| Average total loans | $710,069,000 | 942 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5101% | 706 |
| Cost of funding earning assets | 0.7599% | 455 |
| Net interest margin | 3.7502% | 1,264 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.3843% | 2,470 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.2953% | 1,450 |
| Return on assets (ROA) | 1.2979% | 1,399 |
| Pretax return on assets | 1.6300% | 1,080 |
| Return on Equity (ROE) | 12.4500% | 1,992 |
| Retained earnings to average equity (ytd only) | 12.4460% | 597 |
| Net charge-offs to loans | 0.0186% | 1,726 |
| Credit loss provision to net charge-offs | 1,040.0000% | 413 |
| Earnings coverage of net charge-offs (x) | 134.7333% | 838 |
| Efficiency ratio | 57.4929% | 3,406 |
| Assets per employee ($millions) | 9.9507% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 2,988 |
| Loan loss allowance to noncurrent loans | 88.1352% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.8769% | 515 |
| Noncurrent loans to loans | 1.2253% | 567 |
| Net loans and leases to total assets | 70.8000% | 1,548 |
| Net loans and leases to deposits | 82.0834% | 1,607 |
| Net loans and leases to core deposits | 93.3701% | 1,326 |
| Total domestic deposits to total assets | 86.2500% | 2,660 |
| Equity capital to assets | 9.5498% | 1,971 |
| Core capital (leverage) ratio | 11.3243% | 1,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2839% | 1,859 |
| Memoranda: | ||
| Average total assets | $917,159,600 | 1,057 |
| Average earning assets | $863,105,800 | 1,041 |
| Average equity | $95,645,000 | 974 |
| Average total loans | $646,257,800 | 973 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2502% | 801 |
| Cost of funding earning assets | 0.4666% | 895 |
| Net interest margin | 3.7835% | 975 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.4752% | 2,082 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.2894% | 1,389 |
| Return on assets (ROA) | 1.2905% | 1,353 |
| Pretax return on assets | 1.6345% | 1,038 |
| Return on Equity (ROE) | 12.1000% | 2,001 |
| Retained earnings to average equity (ytd only) | 12.0964% | 775 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.3139% | 3,348 |
| Assets per employee ($millions) | 9.9380% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 2,966 |
| Loan loss allowance to noncurrent loans | 85.3538% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.9002% | 532 |
| Noncurrent loans to loans | 1.3007% | 562 |
| Net loans and leases to total assets | 68.4400% | 1,626 |
| Net loans and leases to deposits | 78.5787% | 1,671 |
| Net loans and leases to core deposits | 90.8984% | 1,241 |
| Total domestic deposits to total assets | 87.1000% | 2,730 |
| Equity capital to assets | 9.4480% | 1,915 |
| Core capital (leverage) ratio | 11.5859% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5544% | 1,859 |
| Memoranda: | ||
| Average total assets | $900,168,750 | 1,082 |
| Average earning assets | $847,725,250 | 1,065 |
| Average equity | $96,037,000 | 984 |
| Average total loans | $631,555,500 | 987 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0637% | 837 |
| Cost of funding earning assets | 0.2893% | 1,808 |
| Net interest margin | 3.7744% | 792 |
| Noninterest income to average assets | 0.7908% | 1,065 |
| Noninterest expense to average assets | 2.5894% | 1,667 |
| Loan and lease loss provision to assets | 0.1227% | 807 |
| Net operating income to assets | 1.2962% | 1,145 |
| Return on assets (ROA) | 1.2962% | 1,127 |
| Pretax return on assets | 1.6330% | 875 |
| Return on Equity (ROE) | 11.6614% | 1,768 |
| Retained earnings to average equity (ytd only) | 11.6614% | 666 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5946% | 3,348 |
| Assets per employee ($millions) | 8.6980% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,160 |
| Loan loss allowance to noncurrent loans | 80.6266% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.9725% | 492 |
| Noncurrent loans to loans | 1.3648% | 563 |
| Net loans and leases to total assets | 70.4750% | 1,254 |
| Net loans and leases to deposits | 83.2813% | 1,167 |
| Net loans and leases to core deposits | 96.6218% | 807 |
| Total domestic deposits to total assets | 84.6229% | 3,563 |
| Equity capital to assets | 10.4214% | 1,471 |
| Core capital (leverage) ratio | 11.9549% | 1,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7671% | 1,778 |
| Memoranda: | ||
| Average total assets | $878,895,000 | 1,097 |
| Average earning assets | $827,630,000 | 1,083 |
| Average equity | $97,690,000 | 976 |
| Average total loans | $619,675,333 | 998 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0466% | 704 |
| Cost of funding earning assets | 0.2412% | 2,257 |
| Net interest margin | 3.8054% | 629 |
| Noninterest income to average assets | 0.8084% | 1,027 |
| Noninterest expense to average assets | 2.5814% | 1,663 |
| Loan and lease loss provision to assets | 0.0754% | 1,093 |
| Net operating income to assets | 1.3660% | 865 |
| Return on assets (ROA) | 1.3874% | 818 |
| Pretax return on assets | 1.7670% | 587 |
| Return on Equity (ROE) | 12.0938% | 1,277 |
| Retained earnings to average equity (ytd only) | 12.0938% | 587 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7122% | 3,611 |
| Assets per employee ($millions) | 8.8064% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,326 |
| Loan loss allowance to noncurrent loans | 75.8180% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.0163% | 491 |
| Noncurrent loans to loans | 1.4499% | 577 |
| Net loans and leases to total assets | 69.3264% | 1,081 |
| Net loans and leases to deposits | 83.6268% | 909 |
| Net loans and leases to core deposits | 100.1263% | 509 |
| Total domestic deposits to total assets | 82.8997% | 3,957 |
| Equity capital to assets | 11.4018% | 1,160 |
| Core capital (leverage) ratio | 12.0923% | 1,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1472% | 1,750 |
| Memoranda: | ||
| Average total assets | $870,396,000 | 1,114 |
| Average earning assets | $820,729,500 | 1,094 |
| Average equity | $99,852,500 | 990 |
| Average total loans | $610,310,000 | 1,008 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9666% | 1,441 |
| Cost of funding earning assets | 0.3713% | 1,743 |
| Net interest margin | 3.5953% | 1,482 |
| Noninterest income to average assets | 1.1568% | 786 |
| Noninterest expense to average assets | 2.8096% | 1,338 |
| Loan and lease loss provision to assets | 0.0999% | 1,252 |
| Net operating income to assets | 1.3413% | 1,471 |
| Return on assets (ROA) | 1.3419% | 1,505 |
| Pretax return on assets | 1.6538% | 1,262 |
| Return on Equity (ROE) | 13.7168% | 1,260 |
| Retained earnings to average equity (ytd only) | 13.7168% | 330 |
| Net charge-offs to loans | -0.0312% | 4,138 |
| Credit loss provision to net charge-offs | -436.9792% | 3,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5814% | 2,926 |
| Assets per employee ($millions) | 9.3379% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,554 |
| Loan loss allowance to noncurrent loans | 73.6209% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.0037% | 557 |
| Noncurrent loans to loans | 1.4310% | 648 |
| Net loans and leases to total assets | 69.4011% | 1,110 |
| Net loans and leases to deposits | 86.4129% | 756 |
| Net loans and leases to core deposits | 102.1713% | 451 |
| Total domestic deposits to total assets | 80.3133% | 4,187 |
| Equity capital to assets | 11.5412% | 1,487 |
| Core capital (leverage) ratio | 11.8476% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4221% | 1,705 |
| Memoranda: | ||
| Average total assets | $839,905,800 | 1,106 |
| Average earning assets | $795,597,200 | 1,095 |
| Average equity | $82,169,600 | 1,174 |
| Average total loans | $614,670,400 | 987 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8752% | 1,836 |
| Cost of funding earning assets | 0.4034% | 1,675 |
| Net interest margin | 3.4718% | 1,953 |
| Noninterest income to average assets | 1.2780% | 714 |
| Noninterest expense to average assets | 2.8927% | 1,138 |
| Loan and lease loss provision to assets | 0.0777% | 1,515 |
| Net operating income to assets | 1.2819% | 1,880 |
| Return on assets (ROA) | 1.2820% | 1,937 |
| Pretax return on assets | 1.5978% | 1,708 |
| Return on Equity (ROE) | 13.7576% | 1,466 |
| Retained earnings to average equity (ytd only) | 13.7576% | 535 |
| Net charge-offs to loans | -0.0156% | 3,861 |
| Credit loss provision to net charge-offs | -672.2222% | 3,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3242% | 2,490 |
| Assets per employee ($millions) | 8.5515% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 3,794 |
| Loan loss allowance to noncurrent loans | 683.8453% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 3,412 |
| Noncurrent loans to loans | 0.1483% | 3,377 |
| Net loans and leases to total assets | 69.2957% | 1,156 |
| Net loans and leases to deposits | 86.8486% | 778 |
| Net loans and leases to core deposits | 102.1312% | 520 |
| Total domestic deposits to total assets | 79.7891% | 4,258 |
| Equity capital to assets | 9.6214% | 3,269 |
| Core capital (leverage) ratio | 10.4680% | 2,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6822% | 2,479 |
| Memoranda: | ||
| Average total assets | $830,440,500 | 1,127 |
| Average earning assets | $786,975,500 | 1,115 |
| Average equity | $77,385,750 | 1,258 |
| Average total loans | $614,421,500 | 1,003 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8820% | 1,865 |
| Cost of funding earning assets | 0.4306% | 1,656 |
| Net interest margin | 3.4514% | 2,001 |
| Noninterest income to average assets | 1.2942% | 695 |
| Noninterest expense to average assets | 2.9809% | 1,017 |
| Loan and lease loss provision to assets | 0.0618% | 1,808 |
| Net operating income to assets | 1.2321% | 2,075 |
| Return on assets (ROA) | 1.2351% | 2,132 |
| Pretax return on assets | 1.5269% | 1,933 |
| Return on Equity (ROE) | 13.4027% | 1,594 |
| Retained earnings to average equity (ytd only) | 13.4027% | 652 |
| Net charge-offs to loans | -0.0177% | 3,933 |
| Credit loss provision to net charge-offs | -463.6364% | 3,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2846% | 2,259 |
| Assets per employee ($millions) | 8.4553% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 4,077 |
| Loan loss allowance to noncurrent loans | 655.8589% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 3,525 |
| Noncurrent loans to loans | 0.1411% | 3,493 |
| Net loans and leases to total assets | 73.7526% | 779 |
| Net loans and leases to deposits | 99.2377% | 281 |
| Net loans and leases to core deposits | 118.8716% | 232 |
| Total domestic deposits to total assets | 74.3191% | 4,642 |
| Equity capital to assets | 9.4372% | 3,396 |
| Core capital (leverage) ratio | 10.5595% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8611% | 2,417 |
| Memoranda: | ||
| Average total assets | $825,053,333 | 1,125 |
| Average earning assets | $782,122,000 | 1,111 |
| Average equity | $76,029,333 | 1,270 |
| Average total loans | $621,672,000 | 989 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8829% | 1,873 |
| Cost of funding earning assets | 0.4567% | 1,672 |
| Net interest margin | 3.4262% | 2,038 |
| Noninterest income to average assets | 1.4891% | 606 |
| Noninterest expense to average assets | 3.2272% | 688 |
| Loan and lease loss provision to assets | 0.0313% | 2,364 |
| Net operating income to assets | 1.2007% | 2,143 |
| Return on assets (ROA) | 1.2058% | 2,205 |
| Pretax return on assets | 1.4939% | 2,011 |
| Return on Equity (ROE) | 13.2482% | 1,603 |
| Retained earnings to average equity (ytd only) | 13.2482% | 865 |
| Net charge-offs to loans | -0.0103% | 3,674 |
| Credit loss provision to net charge-offs | -400.0000% | 3,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9975% | 1,934 |
| Assets per employee ($millions) | 9.3661% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8563% | 4,282 |
| Loan loss allowance to noncurrent loans | 223.0056% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 2,724 |
| Noncurrent loans to loans | 0.3840% | 2,718 |
| Net loans and leases to total assets | 73.5760% | 850 |
| Net loans and leases to deposits | 102.1946% | 239 |
| Net loans and leases to core deposits | 122.1997% | 223 |
| Total domestic deposits to total assets | 71.9959% | 4,718 |
| Equity capital to assets | 8.6831% | 3,973 |
| Core capital (leverage) ratio | 10.9492% | 1,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8101% | 2,369 |
| Memoranda: | ||
| Average total assets | $819,045,000 | 1,120 |
| Average earning assets | $778,583,500 | 1,105 |
| Average equity | $74,546,000 | 1,283 |
| Average total loans | $620,945,000 | 990 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2521% | 1,994 |
| Cost of funding earning assets | 0.8220% | 1,123 |
| Net interest margin | 3.4301% | 2,672 |
| Noninterest income to average assets | 2.1068% | 311 |
| Noninterest expense to average assets | 3.7359% | 505 |
| Loan and lease loss provision to assets | 0.2293% | 1,698 |
| Net operating income to assets | 1.1260% | 1,815 |
| Return on assets (ROA) | 1.1319% | 1,916 |
| Pretax return on assets | 1.3961% | 1,669 |
| Return on Equity (ROE) | 10.8029% | 1,702 |
| Retained earnings to average equity (ytd only) | 10.8029% | 459 |
| Net charge-offs to loans | 0.0312% | 2,410 |
| Credit loss provision to net charge-offs | 938.3648% | 814 |
| Earnings coverage of net charge-offs (x) | 66.2138% | 1,013 |
| Efficiency ratio | 69.7767% | 1,978 |
| Assets per employee ($millions) | 9.4697% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9161% | 4,142 |
| Loan loss allowance to noncurrent loans | 171.6488% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 2,337 |
| Noncurrent loans to loans | 0.5337% | 2,380 |
| Net loans and leases to total assets | 76.9212% | 702 |
| Net loans and leases to deposits | 107.5719% | 204 |
| Net loans and leases to core deposits | 131.2684% | 187 |
| Total domestic deposits to total assets | 71.5068% | 4,736 |
| Equity capital to assets | 9.5768% | 3,537 |
| Core capital (leverage) ratio | 11.1989% | 1,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2122% | 2,163 |
| Memoranda: | ||
| Average total assets | $650,611,200 | 1,254 |
| Average earning assets | $615,935,800 | 1,238 |
| Average equity | $68,166,800 | 1,320 |
| Average total loans | $509,952,800 | 1,120 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,007 |
| Cost of funding earning assets | 0.9091% | 1,038 |
| Net interest margin | 3.4255% | 2,831 |
| Noninterest income to average assets | 2.0365% | 313 |
| Noninterest expense to average assets | 3.7311% | 500 |
| Loan and lease loss provision to assets | 0.2690% | 1,514 |
| Net operating income to assets | 1.0545% | 2,126 |
| Return on assets (ROA) | 1.0621% | 2,235 |
| Pretax return on assets | 1.2861% | 2,110 |
| Return on Equity (ROE) | 9.8755% | 2,056 |
| Retained earnings to average equity (ytd only) | 9.8755% | 792 |
| Net charge-offs to loans | 0.0404% | 2,050 |
| Credit loss provision to net charge-offs | 847.2973% | 939 |
| Earnings coverage of net charge-offs (x) | 48.6892% | 1,212 |
| Efficiency ratio | 70.7049% | 1,789 |
| Assets per employee ($millions) | 9.6356% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 4,032 |
| Loan loss allowance to noncurrent loans | 141.7955% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 2,237 |
| Noncurrent loans to loans | 0.6444% | 2,181 |
| Net loans and leases to total assets | 75.4294% | 1,173 |
| Net loans and leases to deposits | 105.9912% | 324 |
| Net loans and leases to core deposits | 128.5541% | 262 |
| Total domestic deposits to total assets | 71.1657% | 4,710 |
| Equity capital to assets | 9.3841% | 3,780 |
| Core capital (leverage) ratio | 11.5684% | 1,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1655% | 1,776 |
| Memoranda: | ||
| Average total assets | $621,502,750 | 1,285 |
| Average earning assets | $587,935,500 | 1,261 |
| Average equity | $66,844,000 | 1,328 |
| Average total loans | $488,572,250 | 1,156 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4451% | 2,086 |
| Cost of funding earning assets | 1.0465% | 850 |
| Net interest margin | 3.3986% | 3,109 |
| Noninterest income to average assets | 1.7196% | 359 |
| Noninterest expense to average assets | 3.5344% | 718 |
| Loan and lease loss provision to assets | 0.4338% | 894 |
| Net operating income to assets | 0.8139% | 2,993 |
| Return on assets (ROA) | 0.8216% | 3,085 |
| Pretax return on assets | 0.9700% | 3,111 |
| Return on Equity (ROE) | 7.2391% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.2391% | 1,558 |
| Net charge-offs to loans | 0.0651% | 1,592 |
| Credit loss provision to net charge-offs | 836.0000% | 891 |
| Earnings coverage of net charge-offs (x) | 26.8800% | 1,503 |
| Efficiency ratio | 71.7033% | 1,732 |
| Assets per employee ($millions) | 9.0617% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 3,760 |
| Loan loss allowance to noncurrent loans | 128.9097% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.5810% | 2,070 |
| Noncurrent loans to loans | 0.7431% | 2,018 |
| Net loans and leases to total assets | 77.4404% | 928 |
| Net loans and leases to deposits | 110.7484% | 219 |
| Net loans and leases to core deposits | 133.8855% | 217 |
| Total domestic deposits to total assets | 69.9247% | 4,785 |
| Equity capital to assets | 9.6814% | 3,502 |
| Core capital (leverage) ratio | 11.2319% | 1,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9908% | 1,826 |
| Memoranda: | ||
| Average total assets | $578,143,667 | 1,333 |
| Average earning assets | $545,993,000 | 1,316 |
| Average equity | $65,615,667 | 1,338 |
| Average total loans | $460,716,333 | 1,192 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7303% | 1,617 |
| Cost of funding earning assets | 1.2756% | 607 |
| Net interest margin | 3.4547% | 3,142 |
| Noninterest income to average assets | 1.6329% | 342 |
| Noninterest expense to average assets | 3.7404% | 673 |
| Loan and lease loss provision to assets | 0.4237% | 712 |
| Net operating income to assets | 0.6381% | 3,479 |
| Return on assets (ROA) | 0.6559% | 3,488 |
| Pretax return on assets | 0.7347% | 3,578 |
| Return on Equity (ROE) | 5.2593% | 3,550 |
| Retained earnings to average equity (ytd only) | 5.2593% | 2,172 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6688% | 1,490 |
| Assets per employee ($millions) | 7.2472% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,304 |
| Loan loss allowance to noncurrent loans | 202.2954% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 2,747 |
| Noncurrent loans to loans | 0.5345% | 2,662 |
| Net loans and leases to total assets | 79.6797% | 733 |
| Net loans and leases to deposits | 103.5453% | 387 |
| Net loans and leases to core deposits | 135.6225% | 206 |
| Total domestic deposits to total assets | 76.9515% | 4,359 |
| Equity capital to assets | 12.1703% | 1,947 |
| Core capital (leverage) ratio | 12.8805% | 1,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3791% | 1,790 |
| Memoranda: | ||
| Average total assets | $518,341,500 | 1,424 |
| Average earning assets | $486,984,000 | 1,408 |
| Average equity | $64,647,500 | 1,354 |
| Average total loans | $418,292,000 | 1,253 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0823% | 1,253 |
| Cost of funding earning assets | 1.4564% | 452 |
| Net interest margin | 3.6259% | 3,056 |
| Noninterest income to average assets | 0.9401% | 1,095 |
| Noninterest expense to average assets | 3.6993% | 764 |
| Loan and lease loss provision to assets | 0.0397% | 3,224 |
| Net operating income to assets | 0.5329% | 4,328 |
| Return on assets (ROA) | 0.5513% | 4,341 |
| Pretax return on assets | 0.6472% | 4,332 |
| Return on Equity (ROE) | 4.3948% | 4,374 |
| Retained earnings to average equity (ytd only) | 4.3948% | 2,768 |
| Net charge-offs to loans | 0.1601% | 1,257 |
| Credit loss provision to net charge-offs | 30.2326% | 3,268 |
| Earnings coverage of net charge-offs (x) | 5.0636% | 3,132 |
| Efficiency ratio | 84.7561% | 615 |
| Assets per employee ($millions) | 6.4986% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 3,392 |
| Loan loss allowance to noncurrent loans | 66.2062% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.2442% | 914 |
| Noncurrent loans to loans | 1.5388% | 930 |
| Net loans and leases to total assets | 80.0325% | 788 |
| Net loans and leases to deposits | 101.3327% | 510 |
| Net loans and leases to core deposits | 133.1293% | 238 |
| Total domestic deposits to total assets | 78.9799% | 4,191 |
| Equity capital to assets | 12.7953% | 1,645 |
| Core capital (leverage) ratio | 12.8028% | 1,332 |
| Tier 1 risk-based capital ratio | 15.2564% | 2,677 |
| Total risk-based capital ratio | 16.2381% | 2,720 |
| Memoranda: | ||
| Average total assets | $490,880,800 | 1,452 |
| Average earning assets | $463,611,600 | 1,427 |
| Average equity | $61,572,400 | 1,358 |
| Average total loans | $402,887,200 | 1,259 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1072% | 1,270 |
| Cost of funding earning assets | 1.4669% | 459 |
| Net interest margin | 3.6403% | 3,128 |
| Noninterest income to average assets | 0.9697% | 1,000 |
| Noninterest expense to average assets | 3.7744% | 681 |
| Loan and lease loss provision to assets | 0.0532% | 2,848 |
| Net operating income to assets | 0.5087% | 4,498 |
| Return on assets (ROA) | 0.5341% | 4,495 |
| Pretax return on assets | 0.6092% | 4,523 |
| Return on Equity (ROE) | 4.2804% | 4,533 |
| Retained earnings to average equity (ytd only) | 4.2804% | 3,257 |
| Net charge-offs to loans | 0.0875% | 1,598 |
| Credit loss provision to net charge-offs | 73.8636% | 2,579 |
| Earnings coverage of net charge-offs (x) | 8.7917% | 2,624 |
| Efficiency ratio | 85.6285% | 523 |
| Assets per employee ($millions) | 7.0470% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 3,167 |
| Loan loss allowance to noncurrent loans | 161.8038% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.5485% | 2,365 |
| Noncurrent loans to loans | 0.6624% | 2,300 |
| Net loans and leases to total assets | 81.9203% | 574 |
| Net loans and leases to deposits | 104.7901% | 370 |
| Net loans and leases to core deposits | 136.5214% | 221 |
| Total domestic deposits to total assets | 78.1756% | 4,313 |
| Equity capital to assets | 12.4532% | 1,951 |
| Core capital (leverage) ratio | 12.7989% | 1,436 |
| Tier 1 risk-based capital ratio | 14.7890% | 2,961 |
| Total risk-based capital ratio | 15.8422% | 2,958 |
| Memoranda: | ||
| Average total assets | $488,502,750 | 1,460 |
| Average earning assets | $461,374,250 | 1,440 |
| Average equity | $60,958,750 | 1,370 |
| Average total loans | $402,459,250 | 1,270 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0353% | 1,381 |
| Cost of funding earning assets | 1.4553% | 442 |
| Net interest margin | 3.5799% | 3,338 |
| Noninterest income to average assets | 0.8088% | 1,323 |
| Noninterest expense to average assets | 3.6955% | 756 |
| Loan and lease loss provision to assets | 0.0614% | 2,596 |
| Net operating income to assets | 0.3860% | 4,757 |
| Return on assets (ROA) | 0.4251% | 4,711 |
| Pretax return on assets | 0.4790% | 4,721 |
| Return on Equity (ROE) | 3.4044% | 4,704 |
| Retained earnings to average equity (ytd only) | 3.4044% | 3,540 |
| Net charge-offs to loans | 0.1432% | 1,078 |
| Credit loss provision to net charge-offs | 52.1127% | 2,462 |
| Earnings coverage of net charge-offs (x) | 4.2148% | 2,754 |
| Efficiency ratio | 88.1567% | 436 |
| Assets per employee ($millions) | 6.8043% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,065 |
| Loan loss allowance to noncurrent loans | 139.3654% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.6497% | 2,095 |
| Noncurrent loans to loans | 0.7895% | 2,014 |
| Net loans and leases to total assets | 81.3885% | 686 |
| Net loans and leases to deposits | 100.0803% | 676 |
| Net loans and leases to core deposits | 126.0912% | 388 |
| Total domestic deposits to total assets | 81.3232% | 3,716 |
| Equity capital to assets | 12.5024% | 1,856 |
| Core capital (leverage) ratio | 12.7147% | 1,434 |
| Tier 1 risk-based capital ratio | 14.9060% | 2,884 |
| Total risk-based capital ratio | 15.9811% | 2,878 |
| Memoranda: | ||
| Average total assets | $482,208,000 | 1,481 |
| Average earning assets | $455,705,000 | 1,454 |
| Average equity | $60,216,330 | 1,374 |
| Average total loans | $396,560,330 | 1,283 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1273% | 1,048 |
| Cost of funding earning assets | 1.4037% | 454 |
| Net interest margin | 3.7236% | 2,805 |
| Noninterest income to average assets | 0.6899% | 1,646 |
| Noninterest expense to average assets | 3.7771% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4299% | 4,668 |
| Return on assets (ROA) | 0.4323% | 4,679 |
| Pretax return on assets | 0.4398% | 4,788 |
| Return on Equity (ROE) | 3.4640% | 4,684 |
| Retained earnings to average equity (ytd only) | 3.4640% | 3,528 |
| Net charge-offs to loans | 0.0641% | 1,401 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 8.3016% | 2,089 |
| Efficiency ratio | 89.6230% | 411 |
| Assets per employee ($millions) | 6.2065% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 2,783 |
| Loan loss allowance to noncurrent loans | 184.2664% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.5120% | 2,576 |
| Noncurrent loans to loans | 0.6306% | 2,438 |
| Net loans and leases to total assets | 80.2491% | 802 |
| Net loans and leases to deposits | 97.0359% | 888 |
| Net loans and leases to core deposits | 123.4237% | 437 |
| Total domestic deposits to total assets | 82.7004% | 3,503 |
| Equity capital to assets | 12.6145% | 1,675 |
| Core capital (leverage) ratio | 12.6152% | 1,450 |
| Tier 1 risk-based capital ratio | 15.2859% | 2,756 |
| Total risk-based capital ratio | 16.4182% | 2,718 |
| Memoranda: | ||
| Average total assets | $478,358,500 | 1,497 |
| Average earning assets | $452,790,000 | 1,470 |
| Average equity | $59,699,500 | 1,380 |
| Average total loans | $393,258,500 | 1,301 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8154% | 1,511 |
| Cost of funding earning assets | 1.1472% | 420 |
| Net interest margin | 3.6682% | 3,163 |
| Noninterest income to average assets | 0.5745% | 2,422 |
| Noninterest expense to average assets | 3.7868% | 695 |
| Loan and lease loss provision to assets | 0.0795% | 2,538 |
| Net operating income to assets | 0.2686% | 5,043 |
| Return on assets (ROA) | 0.0374% | 5,210 |
| Pretax return on assets | 0.0292% | 5,214 |
| Return on Equity (ROE) | 0.3350% | 5,209 |
| Retained earnings to average equity (ytd only) | 0.3350% | 4,901 |
| Net charge-offs to loans | 0.0874% | 1,905 |
| Credit loss provision to net charge-offs | 114.0449% | 2,276 |
| Earnings coverage of net charge-offs (x) | 4.8764% | 3,249 |
| Efficiency ratio | 91.7651% | 285 |
| Assets per employee ($millions) | 6.0609% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 2,841 |
| Loan loss allowance to noncurrent loans | 162.5311% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.5875% | 2,272 |
| Noncurrent loans to loans | 0.7059% | 2,224 |
| Net loans and leases to total assets | 82.2706% | 616 |
| Net loans and leases to deposits | 98.3009% | 871 |
| Net loans and leases to core deposits | 124.5984% | 424 |
| Total domestic deposits to total assets | 83.6927% | 3,086 |
| Equity capital to assets | 12.3459% | 1,668 |
| Core capital (leverage) ratio | 12.1559% | 1,638 |
| Tier 1 risk-based capital ratio | 14.7314% | 2,952 |
| Total risk-based capital ratio | 15.8495% | 2,939 |
| Memoranda: | ||
| Average total assets | $510,848,800 | 1,378 |
| Average earning assets | $494,685,000 | 1,326 |
| Average equity | $57,010,400 | 1,385 |
| Average total loans | $407,422,000 | 1,238 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 1,600 |
| Cost of funding earning assets | 1.0908% | 417 |
| Net interest margin | 3.6361% | 3,244 |
| Noninterest income to average assets | 0.5903% | 2,365 |
| Noninterest expense to average assets | 3.7854% | 680 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3487% | 5,031 |
| Return on assets (ROA) | 0.0452% | 5,275 |
| Pretax return on assets | 0.0373% | 5,280 |
| Return on Equity (ROE) | 0.4154% | 5,275 |
| Retained earnings to average equity (ytd only) | 0.4154% | 4,968 |
| Net charge-offs to loans | 0.0726% | 1,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 5.9461% | 2,930 |
| Efficiency ratio | 91.7419% | 286 |
| Assets per employee ($millions) | 6.5583% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 3,491 |
| Loan loss allowance to noncurrent loans | 72.1188% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.3760% | 974 |
| Noncurrent loans to loans | 1.4502% | 1,132 |
| Net loans and leases to total assets | 78.5081% | 1,258 |
| Net loans and leases to deposits | 92.6651% | 1,541 |
| Net loans and leases to core deposits | 116.0733% | 711 |
| Total domestic deposits to total assets | 84.7225% | 2,712 |
| Equity capital to assets | 11.2168% | 2,460 |
| Core capital (leverage) ratio | 11.6617% | 2,036 |
| Tier 1 risk-based capital ratio | 14.4631% | 3,145 |
| Total risk-based capital ratio | 15.5038% | 3,158 |
| Memoranda: | ||
| Average total assets | $518,857,250 | 1,361 |
| Average earning assets | $504,554,500 | 1,302 |
| Average equity | $56,484,500 | 1,393 |
| Average total loans | $409,653,500 | 1,231 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6731% | 1,576 |
| Cost of funding earning assets | 1.0439% | 374 |
| Net interest margin | 3.6292% | 3,202 |
| Noninterest income to average assets | 0.5906% | 2,376 |
| Noninterest expense to average assets | 3.6563% | 813 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3884% | 4,981 |
| Return on assets (ROA) | 0.3884% | 4,984 |
| Pretax return on assets | 0.4639% | 4,964 |
| Return on Equity (ROE) | 3.6038% | 4,904 |
| Retained earnings to average equity (ytd only) | 3.6038% | 3,794 |
| Net charge-offs to loans | 0.0982% | 1,373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.9900% | 2,670 |
| Efficiency ratio | 88.7414% | 419 |
| Assets per employee ($millions) | 6.1051% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,473 |
| Loan loss allowance to noncurrent loans | 1,363.1250% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 3,608 |
| Noncurrent loans to loans | 0.0779% | 4,564 |
| Net loans and leases to total assets | 79.2842% | 1,119 |
| Net loans and leases to deposits | 93.6179% | 1,401 |
| Net loans and leases to core deposits | 110.8862% | 944 |
| Total domestic deposits to total assets | 84.6891% | 2,798 |
| Equity capital to assets | 11.0647% | 2,575 |
| Core capital (leverage) ratio | 11.3669% | 2,188 |
| Tier 1 risk-based capital ratio | 14.0357% | 3,341 |
| Total risk-based capital ratio | 15.0862% | 3,354 |
| Memoranda: | ||
| Average total assets | $519,107,000 | 1,359 |
| Average earning assets | $504,847,330 | 1,306 |
| Average equity | $55,941,000 | 1,401 |
| Average total loans | $409,186,000 | 1,235 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5727% | 1,657 |
| Cost of funding earning assets | 1.0357% | 314 |
| Net interest margin | 3.5370% | 3,397 |
| Noninterest income to average assets | 0.3983% | 3,484 |
| Noninterest expense to average assets | 3.5470% | 927 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2359% | 5,204 |
| Return on assets (ROA) | 0.2359% | 5,202 |
| Pretax return on assets | 0.2987% | 5,169 |
| Return on Equity (ROE) | 2.2182% | 5,150 |
| Retained earnings to average equity (ytd only) | 2.2182% | 4,282 |
| Net charge-offs to loans | 0.0539% | 1,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.0909% | 2,119 |
| Efficiency ratio | 92.2326% | 356 |
| Assets per employee ($millions) | 6.0144% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 3,245 |
| Loan loss allowance to noncurrent loans | 801.9573% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 4,545 |
| Noncurrent loans to loans | 0.1400% | 4,339 |
| Net loans and leases to total assets | 77.6558% | 1,287 |
| Net loans and leases to deposits | 89.3122% | 1,778 |
| Net loans and leases to core deposits | 114.6988% | 770 |
| Total domestic deposits to total assets | 86.9487% | 2,147 |
| Equity capital to assets | 10.7267% | 2,846 |
| Core capital (leverage) ratio | 10.6451% | 2,801 |
| Tier 1 risk-based capital ratio | 13.8736% | 3,448 |
| Total risk-based capital ratio | 14.9871% | 3,430 |
| Memoranda: | ||
| Average total assets | $522,245,500 | 1,367 |
| Average earning assets | $509,016,000 | 1,306 |
| Average equity | $55,540,000 | 1,416 |
| Average total loans | $408,301,500 | 1,241 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6893% | 1,228 |
| Cost of funding earning assets | 0.9862% | 234 |
| Net interest margin | 3.7031% | 2,780 |
| Noninterest income to average assets | 0.7766% | 1,655 |
| Noninterest expense to average assets | 3.3420% | 1,304 |
| Loan and lease loss provision to assets | 0.0057% | 4,147 |
| Net operating income to assets | 0.6745% | 3,708 |
| Return on assets (ROA) | 0.6768% | 3,749 |
| Pretax return on assets | 1.0253% | 3,477 |
| Return on Equity (ROE) | 6.5869% | 3,488 |
| Retained earnings to average equity (ytd only) | 6.5869% | 1,241 |
| Net charge-offs to loans | -0.0930% | 5,351 |
| Credit loss provision to net charge-offs | -7.8534% | 4,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4829% | 1,558 |
| Assets per employee ($millions) | 6.5099% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 3,355 |
| Loan loss allowance to noncurrent loans | 684.9850% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 4,503 |
| Noncurrent loans to loans | 0.1606% | 4,286 |
| Net loans and leases to total assets | 76.8253% | 1,458 |
| Net loans and leases to deposits | 88.0064% | 2,018 |
| Net loans and leases to core deposits | 113.8872% | 803 |
| Total domestic deposits to total assets | 87.2951% | 1,859 |
| Equity capital to assets | 10.4159% | 3,246 |
| Core capital (leverage) ratio | 10.3027% | 3,066 |
| Tier 1 risk-based capital ratio | 13.3492% | 3,719 |
| Total risk-based capital ratio | 14.4280% | 3,723 |
| Memoranda: | ||
| Average total assets | $522,772,400 | 1,342 |
| Average earning assets | $507,220,600 | 1,281 |
| Average equity | $53,712,600 | 1,433 |
| Average total loans | $410,716,800 | 1,209 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6685% | 1,205 |
| Cost of funding earning assets | 0.9545% | 248 |
| Net interest margin | 3.7140% | 2,700 |
| Noninterest income to average assets | 0.8094% | 1,552 |
| Noninterest expense to average assets | 3.4296% | 1,106 |
| Loan and lease loss provision to assets | 0.0077% | 3,977 |
| Net operating income to assets | 0.6420% | 4,224 |
| Return on assets (ROA) | 0.6451% | 4,266 |
| Pretax return on assets | 0.9774% | 3,775 |
| Return on Equity (ROE) | 6.3008% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.3008% | 2,059 |
| Net charge-offs to loans | -0.1243% | 5,436 |
| Credit loss provision to net charge-offs | -7.8534% | 4,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7674% | 1,358 |
| Assets per employee ($millions) | 7.2874% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 3,425 |
| Loan loss allowance to noncurrent loans | 267.5660% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 3,853 |
| Noncurrent loans to loans | 0.4158% | 3,457 |
| Net loans and leases to total assets | 72.2699% | 2,217 |
| Net loans and leases to deposits | 82.1066% | 2,769 |
| Net loans and leases to core deposits | 109.3757% | 1,064 |
| Total domestic deposits to total assets | 88.0195% | 1,353 |
| Equity capital to assets | 9.7484% | 4,195 |
| Core capital (leverage) ratio | 9.9921% | 3,575 |
| Tier 1 risk-based capital ratio | 12.7492% | 4,176 |
| Total risk-based capital ratio | 13.8062% | 4,190 |
| Memoranda: | ||
| Average total assets | $520,013,000 | 1,358 |
| Average earning assets | $504,135,750 | 1,297 |
| Average equity | $53,240,500 | 1,454 |
| Average total loans | $409,730,250 | 1,224 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7417% | 980 |
| Cost of funding earning assets | 0.9085% | 289 |
| Net interest margin | 3.8332% | 2,165 |
| Noninterest income to average assets | 0.7964% | 1,582 |
| Noninterest expense to average assets | 3.4611% | 1,063 |
| Loan and lease loss provision to assets | 0.0119% | 3,719 |
| Net operating income to assets | 0.6810% | 3,931 |
| Return on assets (ROA) | 0.6810% | 3,998 |
| Pretax return on assets | 1.0318% | 3,439 |
| Return on Equity (ROE) | 6.5360% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.5360% | 1,826 |
| Net charge-offs to loans | -0.1865% | 5,564 |
| Credit loss provision to net charge-offs | -7.8534% | 4,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8327% | 1,603 |
| Assets per employee ($millions) | 6.9266% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 3,529 |
| Loan loss allowance to noncurrent loans | 841.6974% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 4,784 |
| Noncurrent loans to loans | 0.1319% | 4,595 |
| Net loans and leases to total assets | 78.2366% | 1,211 |
| Net loans and leases to deposits | 89.6799% | 1,777 |
| Net loans and leases to core deposits | 119.0214% | 596 |
| Total domestic deposits to total assets | 87.2398% | 1,838 |
| Equity capital to assets | 10.3813% | 3,474 |
| Core capital (leverage) ratio | 10.6371% | 2,770 |
| Tier 1 risk-based capital ratio | 12.9467% | 4,037 |
| Total risk-based capital ratio | 14.0372% | 4,036 |
| Memoranda: | ||
| Average total assets | $506,307,330 | 1,398 |
| Average earning assets | $489,828,670 | 1,343 |
| Average equity | $52,753,670 | 1,467 |
| Average total loans | $409,610,330 | 1,224 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 1,089 |
| Cost of funding earning assets | 0.8549% | 369 |
| Net interest margin | 3.7662% | 2,238 |
| Noninterest income to average assets | 0.5683% | 2,563 |
| Noninterest expense to average assets | 3.4179% | 1,162 |
| Loan and lease loss provision to assets | 0.0240% | 3,265 |
| Net operating income to assets | 0.5195% | 4,520 |
| Return on assets (ROA) | 0.5195% | 4,552 |
| Pretax return on assets | 0.7868% | 4,159 |
| Return on Equity (ROE) | 4.9765% | 4,403 |
| Retained earnings to average equity (ytd only) | 4.9765% | 2,909 |
| Net charge-offs to loans | -0.0939% | 5,432 |
| Credit loss provision to net charge-offs | -31.2500% | 3,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8253% | 1,278 |
| Assets per employee ($millions) | 6.6175% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 3,930 |
| Loan loss allowance to noncurrent loans | 517.6755% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 4,594 |
| Noncurrent loans to loans | 0.2048% | 4,384 |
| Net loans and leases to total assets | 79.3313% | 926 |
| Net loans and leases to deposits | 91.1444% | 1,415 |
| Net loans and leases to core deposits | 123.1063% | 386 |
| Total domestic deposits to total assets | 87.0391% | 2,198 |
| Equity capital to assets | 10.4734% | 3,208 |
| Core capital (leverage) ratio | 10.9769% | 2,378 |
| Tier 1 risk-based capital ratio | 12.9103% | 4,139 |
| Total risk-based capital ratio | 13.9506% | 4,159 |
| Memoranda: | ||
| Average total assets | $499,715,000 | 1,424 |
| Average earning assets | $485,685,000 | 1,356 |
| Average equity | $52,165,500 | 1,479 |
| Average total loans | $408,918,000 | 1,227 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7249% | 1,016 |
| Cost of funding earning assets | 0.8310% | 428 |
| Net interest margin | 3.8939% | 1,989 |
| Noninterest income to average assets | 1.0182% | 1,092 |
| Noninterest expense to average assets | 3.6643% | 927 |
| Loan and lease loss provision to assets | 0.2378% | 901 |
| Net operating income to assets | 0.5937% | 4,234 |
| Return on assets (ROA) | 0.5982% | 4,325 |
| Pretax return on assets | 0.9063% | 3,832 |
| Return on Equity (ROE) | 5.5909% | 4,162 |
| Retained earnings to average equity (ytd only) | 5.5909% | 1,957 |
| Net charge-offs to loans | 0.0194% | 3,667 |
| Credit loss provision to net charge-offs | 1,493.1507% | 284 |
| Earnings coverage of net charge-offs (x) | 71.4110% | 778 |
| Efficiency ratio | 76.3142% | 1,934 |
| Assets per employee ($millions) | 6.2848% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 4,319 |
| Loan loss allowance to noncurrent loans | 440.5520% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 4,564 |
| Noncurrent loans to loans | 0.2272% | 4,339 |
| Net loans and leases to total assets | 82.6645% | 516 |
| Net loans and leases to deposits | 102.7609% | 483 |
| Net loans and leases to core deposits | 137.8878% | 198 |
| Total domestic deposits to total assets | 80.4435% | 4,463 |
| Equity capital to assets | 10.4042% | 3,265 |
| Core capital (leverage) ratio | 10.7523% | 2,589 |
| Tier 1 risk-based capital ratio | 12.3164% | 4,495 |
| Total risk-based capital ratio | 13.2966% | 4,581 |
| Memoranda: | ||
| Average total assets | $458,367,800 | 1,487 |
| Average earning assets | $445,359,800 | 1,428 |
| Average equity | $49,043,600 | 1,548 |
| Average total loans | $375,430,600 | 1,259 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6816% | 1,106 |
| Cost of funding earning assets | 0.8267% | 434 |
| Net interest margin | 3.8549% | 2,141 |
| Noninterest income to average assets | 1.0623% | 1,008 |
| Noninterest expense to average assets | 3.7403% | 802 |
| Loan and lease loss provision to assets | 0.2751% | 638 |
| Net operating income to assets | 0.5242% | 4,597 |
| Return on assets (ROA) | 0.5302% | 4,674 |
| Pretax return on assets | 0.8032% | 4,298 |
| Return on Equity (ROE) | 4.9182% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.9182% | 2,886 |
| Net charge-offs to loans | -0.0153% | 4,917 |
| Credit loss provision to net charge-offs | -2,204.7619% | 5,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7702% | 1,719 |
| Assets per employee ($millions) | 6.4997% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 4,422 |
| Loan loss allowance to noncurrent loans | 380.6871% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 4,559 |
| Noncurrent loans to loans | 0.2623% | 4,322 |
| Net loans and leases to total assets | 82.3004% | 577 |
| Net loans and leases to deposits | 98.1263% | 839 |
| Net loans and leases to core deposits | 139.7471% | 198 |
| Total domestic deposits to total assets | 83.8719% | 3,251 |
| Equity capital to assets | 10.3566% | 3,738 |
| Core capital (leverage) ratio | 10.6971% | 2,791 |
| Tier 1 risk-based capital ratio | 12.4007% | 4,535 |
| Total risk-based capital ratio | 13.3976% | 4,608 |
| Memoranda: | ||
| Average total assets | $448,834,500 | 1,512 |
| Average earning assets | $436,281,750 | 1,458 |
| Average equity | $48,390,250 | 1,569 |
| Average total loans | $365,643,250 | 1,284 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6137% | 1,243 |
| Cost of funding earning assets | 0.8206% | 437 |
| Net interest margin | 3.7931% | 2,348 |
| Noninterest income to average assets | 0.9456% | 1,252 |
| Noninterest expense to average assets | 3.7133% | 860 |
| Loan and lease loss provision to assets | 0.1890% | 1,152 |
| Net operating income to assets | 0.4830% | 4,752 |
| Return on assets (ROA) | 0.4915% | 4,813 |
| Pretax return on assets | 0.7451% | 4,476 |
| Return on Equity (ROE) | 4.4915% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.4915% | 3,055 |
| Net charge-offs to loans | -0.0240% | 5,029 |
| Credit loss provision to net charge-offs | -976.1905% | 5,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1234% | 1,481 |
| Assets per employee ($millions) | 6.2604% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 4,833 |
| Loan loss allowance to noncurrent loans | 383.0128% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 4,698 |
| Noncurrent loans to loans | 0.2433% | 4,479 |
| Net loans and leases to total assets | 80.1055% | 882 |
| Net loans and leases to deposits | 96.5319% | 1,022 |
| Net loans and leases to core deposits | 134.6273% | 244 |
| Total domestic deposits to total assets | 82.9835% | 3,663 |
| Equity capital to assets | 10.5914% | 3,536 |
| Core capital (leverage) ratio | 11.3652% | 2,088 |
| Tier 1 risk-based capital ratio | 13.1037% | 4,136 |
| Total risk-based capital ratio | 14.0385% | 4,233 |
| Memoranda: | ||
| Average total assets | $433,787,330 | 1,567 |
| Average earning assets | $421,876,000 | 1,501 |
| Average equity | $47,467,330 | 1,598 |
| Average total loans | $350,643,000 | 1,332 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6881% | 1,071 |
| Cost of funding earning assets | 0.8441% | 396 |
| Net interest margin | 3.8440% | 2,130 |
| Noninterest income to average assets | 0.6870% | 2,102 |
| Noninterest expense to average assets | 3.6997% | 895 |
| Loan and lease loss provision to assets | 0.1386% | 1,511 |
| Net operating income to assets | 0.3895% | 5,025 |
| Return on assets (ROA) | 0.3895% | 5,101 |
| Pretax return on assets | 0.5911% | 4,842 |
| Return on Equity (ROE) | 3.4953% | 5,066 |
| Retained earnings to average equity (ytd only) | 3.4953% | 3,748 |
| Net charge-offs to loans | -0.0492% | 5,317 |
| Credit loss provision to net charge-offs | -348.7805% | 4,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5266% | 1,201 |
| Assets per employee ($millions) | 5.9046% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 4,741 |
| Loan loss allowance to noncurrent loans | 322.7626% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 4,591 |
| Noncurrent loans to loans | 0.3019% | 4,345 |
| Net loans and leases to total assets | 79.3133% | 911 |
| Net loans and leases to deposits | 92.3138% | 1,302 |
| Net loans and leases to core deposits | 128.1816% | 298 |
| Total domestic deposits to total assets | 85.9171% | 2,702 |
| Equity capital to assets | 11.6265% | 2,309 |
| Core capital (leverage) ratio | 12.1197% | 1,537 |
| Tier 1 risk-based capital ratio | 14.3649% | 3,462 |
| Total risk-based capital ratio | 15.3261% | 3,573 |
| Memoranda: | ||
| Average total assets | $412,786,000 | 1,641 |
| Average earning assets | $401,870,500 | 1,563 |
| Average equity | $46,004,500 | 1,641 |
| Average total loans | $333,605,000 | 1,387 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7276% | 1,053 |
| Cost of funding earning assets | 0.8270% | 428 |
| Net interest margin | 3.9005% | 2,028 |
| Noninterest income to average assets | 0.6742% | 2,325 |
| Noninterest expense to average assets | 3.5982% | 1,129 |
| Loan and lease loss provision to assets | 0.1799% | 1,257 |
| Net operating income to assets | 0.4558% | 4,864 |
| Return on assets (ROA) | 0.4601% | 4,923 |
| Pretax return on assets | 0.6969% | 4,538 |
| Return on Equity (ROE) | 5.0748% | 4,468 |
| Retained earnings to average equity (ytd only) | 5.0748% | 2,363 |
| Net charge-offs to loans | 0.0727% | 2,788 |
| Credit loss provision to net charge-offs | 298.6667% | 993 |
| Earnings coverage of net charge-offs (x) | 14.4533% | 2,292 |
| Efficiency ratio | 80.5223% | 1,605 |
| Assets per employee ($millions) | 5.8888% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 4,816 |
| Loan loss allowance to noncurrent loans | 1,258.2329% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 5,404 |
| Noncurrent loans to loans | 0.0762% | 5,197 |
| Net loans and leases to total assets | 80.8043% | 737 |
| Net loans and leases to deposits | 92.5636% | 1,341 |
| Net loans and leases to core deposits | 129.0495% | 282 |
| Total domestic deposits to total assets | 87.2959% | 1,990 |
| Equity capital to assets | 10.6336% | 3,204 |
| Core capital (leverage) ratio | 10.9985% | 2,410 |
| Tier 1 risk-based capital ratio | 13.1277% | 4,219 |
| Total risk-based capital ratio | 14.0866% | 4,331 |
| Memoranda: | ||
| Average total assets | $373,635,400 | 1,756 |
| Average earning assets | $363,462,000 | 1,667 |
| Average equity | $33,873,200 | 2,102 |
| Average total loans | $309,416,800 | 1,434 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6820% | 1,132 |
| Cost of funding earning assets | 0.8169% | 447 |
| Net interest margin | 3.8651% | 2,139 |
| Noninterest income to average assets | 0.6257% | 2,605 |
| Noninterest expense to average assets | 3.5493% | 1,203 |
| Loan and lease loss provision to assets | 0.2213% | 850 |
| Net operating income to assets | 0.4048% | 5,149 |
| Return on assets (ROA) | 0.4106% | 5,216 |
| Pretax return on assets | 0.6221% | 4,917 |
| Return on Equity (ROE) | 4.7533% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.7533% | 3,087 |
| Net charge-offs to loans | 0.0983% | 2,168 |
| Credit loss provision to net charge-offs | 270.6667% | 1,066 |
| Earnings coverage of net charge-offs (x) | 10.2090% | 2,617 |
| Efficiency ratio | 80.9615% | 1,522 |
| Assets per employee ($millions) | 6.0014% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 5,024 |
| Loan loss allowance to noncurrent loans | 831.9783% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.0946% | 5,369 |
| Noncurrent loans to loans | 0.1129% | 5,178 |
| Net loans and leases to total assets | 83.0041% | 473 |
| Net loans and leases to deposits | 91.4633% | 1,469 |
| Net loans and leases to core deposits | 125.5513% | 348 |
| Total domestic deposits to total assets | 90.7512% | 324 |
| Equity capital to assets | 8.4290% | 5,748 |
| Core capital (leverage) ratio | 8.6800% | 5,373 |
| Tier 1 risk-based capital ratio | 10.1526% | 5,997 |
| Total risk-based capital ratio | 11.0986% | 6,049 |
| Memoranda: | ||
| Average total assets | $366,934,750 | 1,799 |
| Average earning assets | $356,788,250 | 1,701 |
| Average equity | $31,696,250 | 2,234 |
| Average total loans | $305,095,000 | 1,458 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 1,218 |
| Cost of funding earning assets | 0.8017% | 494 |
| Net interest margin | 3.8266% | 2,215 |
| Noninterest income to average assets | 0.6063% | 2,695 |
| Noninterest expense to average assets | 3.5611% | 1,192 |
| Loan and lease loss provision to assets | 0.2617% | 647 |
| Net operating income to assets | 0.3324% | 5,350 |
| Return on assets (ROA) | 0.3324% | 5,452 |
| Pretax return on assets | 0.5039% | 5,214 |
| Return on Equity (ROE) | 3.8145% | 5,091 |
| Retained earnings to average equity (ytd only) | 3.8145% | 3,576 |
| Net charge-offs to loans | 0.1511% | 1,580 |
| Credit loss provision to net charge-offs | 208.8889% | 1,189 |
| Earnings coverage of net charge-offs (x) | 6.1111% | 2,823 |
| Efficiency ratio | 82.3060% | 1,445 |
| Assets per employee ($millions) | 6.9340% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9265% | 5,191 |
| Loan loss allowance to noncurrent loans | 445.4407% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 5,187 |
| Noncurrent loans to loans | 0.2080% | 4,939 |
| Net loans and leases to total assets | 82.1815% | 535 |
| Net loans and leases to deposits | 90.0703% | 1,586 |
| Net loans and leases to core deposits | 128.7280% | 290 |
| Total domestic deposits to total assets | 91.2415% | 244 |
| Equity capital to assets | 8.4336% | 5,737 |
| Core capital (leverage) ratio | 8.9865% | 4,990 |
| Tier 1 risk-based capital ratio | 10.0561% | 6,072 |
| Total risk-based capital ratio | 10.9658% | 6,130 |
| Memoranda: | ||
| Average total assets | $359,215,330 | 1,845 |
| Average earning assets | $349,239,330 | 1,755 |
| Average equity | $31,301,330 | 2,261 |
| Average total loans | $297,839,000 | 1,489 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6117% | 1,189 |
| Cost of funding earning assets | 0.8031% | 490 |
| Net interest margin | 3.8086% | 2,200 |
| Noninterest income to average assets | 0.2643% | 5,062 |
| Noninterest expense to average assets | 3.3768% | 1,536 |
| Loan and lease loss provision to assets | 0.3447% | 376 |
| Net operating income to assets | 0.1643% | 5,754 |
| Return on assets (ROA) | 0.1643% | 5,828 |
| Pretax return on assets | 0.2482% | 5,757 |
| Return on Equity (ROE) | 1.8529% | 5,720 |
| Retained earnings to average equity (ytd only) | 1.8529% | 4,729 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0651% | 1,265 |
| Assets per employee ($millions) | 6.4303% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 4,996 |
| Loan loss allowance to noncurrent loans | 657.7093% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 5,443 |
| Noncurrent loans to loans | 0.1526% | 5,231 |
| Net loans and leases to total assets | 83.2837% | 356 |
| Net loans and leases to deposits | 91.8992% | 1,198 |
| Net loans and leases to core deposits | 122.4922% | 364 |
| Total domestic deposits to total assets | 90.6251% | 486 |
| Equity capital to assets | 9.0402% | 5,243 |
| Core capital (leverage) ratio | 9.1693% | 4,759 |
| Tier 1 risk-based capital ratio | 10.9876% | 5,815 |
| Total risk-based capital ratio | 12.0152% | 5,835 |
| Memoranda: | ||
| Average total assets | $348,139,000 | 1,906 |
| Average earning assets | $338,705,500 | 1,814 |
| Average equity | $30,870,500 | 2,299 |
| Average total loans | $288,586,000 | 1,520 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 1,397 |
| Cost of funding earning assets | 0.7708% | 760 |
| Net interest margin | 3.8872% | 2,290 |
| Noninterest income to average assets | 0.1613% | 5,894 |
| Noninterest expense to average assets | 3.2525% | 2,067 |
| Loan and lease loss provision to assets | 0.1603% | 1,640 |
| Net operating income to assets | 0.5187% | 4,737 |
| Return on assets (ROA) | 0.5276% | 4,781 |
| Pretax return on assets | 0.5276% | 5,176 |
| Return on Equity (ROE) | 5.8291% | 4,240 |
| Retained earnings to average equity (ytd only) | 5.8291% | 2,038 |
| Net charge-offs to loans | 0.1544% | 2,492 |
| Credit loss provision to net charge-offs | 125.2577% | 1,909 |
| Earnings coverage of net charge-offs (x) | 5.3067% | 3,456 |
| Efficiency ratio | 82.7294% | 1,562 |
| Assets per employee ($millions) | 6.5887% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 5,248 |
| Loan loss allowance to noncurrent loans | 681.7259% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 5,568 |
| Noncurrent loans to loans | 0.1409% | 5,334 |
| Net loans and leases to total assets | 80.8360% | 636 |
| Net loans and leases to deposits | 88.8553% | 1,632 |
| Net loans and leases to core deposits | 122.2787% | 360 |
| Total domestic deposits to total assets | 90.9749% | 373 |
| Equity capital to assets | 8.6888% | 5,584 |
| Core capital (leverage) ratio | 9.3902% | 4,400 |
| Tier 1 risk-based capital ratio | 10.9717% | 5,918 |
| Total risk-based capital ratio | 11.9597% | 5,960 |
| Memoranda: | ||
| Average total assets | $303,239,400 | 2,144 |
| Average earning assets | $294,118,000 | 2,041 |
| Average equity | $27,448,600 | 2,451 |
| Average total loans | $251,303,200 | 1,681 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7193% | 1,267 |
| Cost of funding earning assets | 0.7725% | 789 |
| Net interest margin | 3.9468% | 2,047 |
| Noninterest income to average assets | 0.1472% | 6,036 |
| Noninterest expense to average assets | 3.2442% | 2,043 |
| Loan and lease loss provision to assets | 0.1486% | 1,685 |
| Net operating income to assets | 0.5785% | 4,548 |
| Return on assets (ROA) | 0.5908% | 4,572 |
| Pretax return on assets | 0.5908% | 5,059 |
| Return on Equity (ROE) | 6.4510% | 4,000 |
| Retained earnings to average equity (ytd only) | 6.4510% | 2,131 |
| Net charge-offs to loans | 0.2118% | 1,772 |
| Credit loss provision to net charge-offs | 84.2784% | 2,518 |
| Earnings coverage of net charge-offs (x) | 4.1237% | 3,534 |
| Efficiency ratio | 81.6913% | 1,660 |
| Assets per employee ($millions) | 5.9856% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 5,290 |
| Loan loss allowance to noncurrent loans | 122.2061% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6771% | 3,803 |
| Noncurrent loans to loans | 0.8025% | 3,574 |
| Net loans and leases to total assets | 83.5439% | 359 |
| Net loans and leases to deposits | 92.3319% | 1,201 |
| Net loans and leases to core deposits | 128.5601% | 248 |
| Total domestic deposits to total assets | 90.4821% | 537 |
| Equity capital to assets | 9.0541% | 5,298 |
| Core capital (leverage) ratio | 9.2148% | 4,760 |
| Tier 1 risk-based capital ratio | 11.2006% | 5,912 |
| Total risk-based capital ratio | 12.2192% | 5,954 |
| Memoranda: | ||
| Average total assets | $293,396,250 | 2,208 |
| Average earning assets | $284,274,250 | 2,111 |
| Average equity | $26,868,500 | 2,506 |
| Average total loans | $244,219,000 | 1,738 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 1,344 |
| Cost of funding earning assets | 0.7664% | 847 |
| Net interest margin | 3.9069% | 2,136 |
| Noninterest income to average assets | 0.1375% | 6,134 |
| Noninterest expense to average assets | 3.2110% | 2,153 |
| Loan and lease loss provision to assets | 0.1624% | 1,523 |
| Net operating income to assets | 0.5542% | 4,577 |
| Return on assets (ROA) | 0.5728% | 4,598 |
| Pretax return on assets | 0.5728% | 5,044 |
| Return on Equity (ROE) | 6.2303% | 4,037 |
| Retained earnings to average equity (ytd only) | 6.2303% | 2,196 |
| Net charge-offs to loans | 0.1059% | 2,622 |
| Credit loss provision to net charge-offs | 185.0394% | 1,248 |
| Earnings coverage of net charge-offs (x) | 8.1654% | 2,528 |
| Efficiency ratio | 81.7558% | 1,770 |
| Assets per employee ($millions) | 6.3949% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 5,055 |
| Loan loss allowance to noncurrent loans | 111.8721% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 3,560 |
| Noncurrent loans to loans | 0.9502% | 3,347 |
| Net loans and leases to total assets | 83.4550% | 338 |
| Net loans and leases to deposits | 92.0820% | 1,142 |
| Net loans and leases to core deposits | 120.3485% | 369 |
| Total domestic deposits to total assets | 90.6312% | 530 |
| Equity capital to assets | 9.0284% | 5,266 |
| Core capital (leverage) ratio | 9.3745% | 4,495 |
| Tier 1 risk-based capital ratio | 11.1525% | 5,988 |
| Total risk-based capital ratio | 12.2532% | 5,992 |
| Memoranda: | ||
| Average total assets | $289,439,670 | 2,230 |
| Average earning assets | $280,786,000 | 2,137 |
| Average equity | $26,611,670 | 2,511 |
| Average total loans | $239,773,000 | 1,760 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5981% | 1,509 |
| Cost of funding earning assets | 0.7695% | 883 |
| Net interest margin | 3.8286% | 2,353 |
| Noninterest income to average assets | 0.1155% | 6,276 |
| Noninterest expense to average assets | 3.2000% | 2,235 |
| Loan and lease loss provision to assets | 0.1409% | 1,725 |
| Net operating income to assets | 0.4904% | 4,738 |
| Return on assets (ROA) | 0.4904% | 4,817 |
| Pretax return on assets | 0.4904% | 5,201 |
| Return on Equity (ROE) | 5.2828% | 4,405 |
| Retained earnings to average equity (ytd only) | 5.2828% | 2,933 |
| Net charge-offs to loans | 0.1666% | 1,721 |
| Credit loss provision to net charge-offs | 103.0928% | 1,617 |
| Earnings coverage of net charge-offs (x) | 4.6186% | 2,498 |
| Efficiency ratio | 83.5234% | 1,729 |
| Assets per employee ($millions) | 6.3816% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 5,289 |
| Loan loss allowance to noncurrent loans | 217.2819% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 4,924 |
| Noncurrent loans to loans | 0.4868% | 4,699 |
| Net loans and leases to total assets | 82.5283% | 325 |
| Net loans and leases to deposits | 91.1069% | 1,027 |
| Net loans and leases to core deposits | 116.3493% | 402 |
| Total domestic deposits to total assets | 90.5840% | 752 |
| Equity capital to assets | 9.0545% | 5,051 |
| Core capital (leverage) ratio | 9.2156% | 4,699 |
| Tier 1 risk-based capital ratio | 11.0773% | 6,124 |
| Total risk-based capital ratio | 12.1468% | 6,148 |
| Memoranda: | ||
| Average total assets | $283,878,500 | 2,269 |
| Average earning assets | $275,503,500 | 2,182 |
| Average equity | $26,349,500 | 2,523 |
| Average total loans | $232,895,000 | 1,802 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 1,801 |
| Cost of funding earning assets | 0.8027% | 1,200 |
| Net interest margin | 3.8172% | 2,589 |
| Noninterest income to average assets | 0.2873% | 5,302 |
| Noninterest expense to average assets | 3.3211% | 2,086 |
| Loan and lease loss provision to assets | 0.1163% | 2,870 |
| Net operating income to assets | 0.5449% | 4,530 |
| Return on assets (ROA) | 0.5371% | 4,698 |
| Pretax return on assets | 0.5371% | 5,084 |
| Return on Equity (ROE) | 5.3357% | 4,477 |
| Retained earnings to average equity (ytd only) | 5.3357% | 2,390 |
| Net charge-offs to loans | -0.0271% | 6,209 |
| Credit loss provision to net charge-offs | -560.3774% | 6,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3972% | 1,701 |
| Assets per employee ($millions) | 6.2319% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 4,808 |
| Loan loss allowance to noncurrent loans | 216.3043% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.4362% | 4,944 |
| Noncurrent loans to loans | 0.5413% | 4,641 |
| Net loans and leases to total assets | 79.6300% | 634 |
| Net loans and leases to deposits | 88.3424% | 1,429 |
| Net loans and leases to core deposits | 115.6572% | 432 |
| Total domestic deposits to total assets | 90.1379% | 1,012 |
| Equity capital to assets | 9.5255% | 4,392 |
| Core capital (leverage) ratio | 10.0929% | 3,441 |
| Tier 1 risk-based capital ratio | 12.0761% | 5,576 |
| Total risk-based capital ratio | 13.2560% | 5,549 |
| Memoranda: | ||
| Average total assets | $255,460,200 | 2,479 |
| Average earning assets | $247,277,600 | 2,355 |
| Average equity | $25,713,800 | 2,570 |
| Average total loans | $195,447,800 | 2,044 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6683% | 1,685 |
| Cost of funding earning assets | 0.8107% | 1,271 |
| Net interest margin | 3.8577% | 2,431 |
| Noninterest income to average assets | 0.3360% | 5,007 |
| Noninterest expense to average assets | 3.3299% | 2,001 |
| Loan and lease loss provision to assets | 0.0840% | 3,377 |
| Net operating income to assets | 0.6540% | 4,099 |
| Return on assets (ROA) | 0.6540% | 4,232 |
| Pretax return on assets | 0.6540% | 4,841 |
| Return on Equity (ROE) | 6.4030% | 3,973 |
| Retained earnings to average equity (ytd only) | 6.4030% | 2,184 |
| Net charge-offs to loans | -0.0430% | 6,265 |
| Credit loss provision to net charge-offs | -259.0164% | 5,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8586% | 1,839 |
| Assets per employee ($millions) | 6.2831% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 4,712 |
| Loan loss allowance to noncurrent loans | 179.6635% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5060% | 4,933 |
| Noncurrent loans to loans | 0.6880% | 4,477 |
| Net loans and leases to total assets | 72.6355% | 1,512 |
| Net loans and leases to deposits | 80.5757% | 2,328 |
| Net loans and leases to core deposits | 106.3850% | 740 |
| Total domestic deposits to total assets | 90.1456% | 918 |
| Equity capital to assets | 9.5982% | 4,419 |
| Core capital (leverage) ratio | 10.0251% | 3,647 |
| Tier 1 risk-based capital ratio | 12.8993% | 5,193 |
| Total risk-based capital ratio | 14.1061% | 5,164 |
| Memoranda: | ||
| Average total assets | $250,774,750 | 2,538 |
| Average earning assets | $242,593,000 | 2,417 |
| Average equity | $25,612,500 | 2,606 |
| Average total loans | $189,076,250 | 2,106 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7450% | 1,456 |
| Cost of funding earning assets | 0.8130% | 1,350 |
| Net interest margin | 3.9320% | 2,102 |
| Noninterest income to average assets | 0.3496% | 4,894 |
| Noninterest expense to average assets | 3.3450% | 1,954 |
| Loan and lease loss provision to assets | 0.1293% | 2,704 |
| Net operating income to assets | 0.6762% | 3,926 |
| Return on assets (ROA) | 0.6762% | 4,087 |
| Pretax return on assets | 0.6762% | 4,756 |
| Return on Equity (ROE) | 6.4769% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.4769% | 2,161 |
| Net charge-offs to loans | -0.0656% | 6,360 |
| Credit loss provision to net charge-offs | -259.0164% | 5,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5917% | 2,079 |
| Assets per employee ($millions) | 6.2148% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 4,728 |
| Loan loss allowance to noncurrent loans | 70.1314% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.3744% | 3,041 |
| Noncurrent loans to loans | 1.7855% | 2,653 |
| Net loans and leases to total assets | 76.0091% | 986 |
| Net loans and leases to deposits | 85.5353% | 1,619 |
| Net loans and leases to core deposits | 111.7139% | 491 |
| Total domestic deposits to total assets | 88.8629% | 1,703 |
| Equity capital to assets | 10.0858% | 3,809 |
| Core capital (leverage) ratio | 10.4525% | 2,940 |
| Tier 1 risk-based capital ratio | 13.0188% | 5,132 |
| Total risk-based capital ratio | 14.2558% | 5,082 |
| Memoranda: | ||
| Average total assets | $244,308,000 | 2,612 |
| Average earning assets | $236,162,000 | 2,488 |
| Average equity | $25,506,000 | 2,630 |
| Average total loans | $185,868,670 | 2,144 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4913% | 2,203 |
| Cost of funding earning assets | 0.8356% | 1,337 |
| Net interest margin | 3.6557% | 3,055 |
| Noninterest income to average assets | 0.3748% | 4,668 |
| Noninterest expense to average assets | 3.2896% | 2,109 |
| Loan and lease loss provision to assets | 0.1171% | 2,771 |
| Net operating income to assets | 0.5036% | 4,638 |
| Return on assets (ROA) | 0.5036% | 4,786 |
| Pretax return on assets | 0.5036% | 5,242 |
| Return on Equity (ROE) | 4.7384% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.7384% | 3,394 |
| Net charge-offs to loans | 0.0044% | 4,077 |
| Credit loss provision to net charge-offs | 3,500.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 185.5000% | 218 |
| Efficiency ratio | 84.1249% | 1,750 |
| Assets per employee ($millions) | 6.1444% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 4,998 |
| Loan loss allowance to noncurrent loans | 112.2747% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 4,239 |
| Noncurrent loans to loans | 1.1042% | 3,937 |
| Net loans and leases to total assets | 76.6245% | 762 |
| Net loans and leases to deposits | 86.0342% | 1,348 |
| Net loans and leases to core deposits | 111.0140% | 467 |
| Total domestic deposits to total assets | 89.0628% | 1,649 |
| Equity capital to assets | 10.6643% | 3,359 |
| Core capital (leverage) ratio | 10.5891% | 2,663 |
| Tier 1 risk-based capital ratio | 13.2793% | 5,030 |
| Total risk-based capital ratio | 14.4901% | 5,002 |
| Memoranda: | ||
| Average total assets | $239,059,500 | 2,682 |
| Average earning assets | $231,203,000 | 2,564 |
| Average equity | $25,409,500 | 2,671 |
| Average total loans | $180,737,500 | 2,203 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7691% | 2,321 |
| Cost of funding earning assets | 0.9586% | 1,593 |
| Net interest margin | 3.8105% | 3,181 |
| Noninterest income to average assets | 0.3650% | 4,872 |
| Noninterest expense to average assets | 3.1754% | 2,694 |
| Loan and lease loss provision to assets | 0.3162% | 2,162 |
| Net operating income to assets | 0.5442% | 4,504 |
| Return on assets (ROA) | 0.5479% | 4,743 |
| Pretax return on assets | 0.5479% | 5,141 |
| Return on Equity (ROE) | 4.8751% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.8751% | 2,788 |
| Net charge-offs to loans | 0.3022% | 3,135 |
| Credit loss provision to net charge-offs | 140.9836% | 1,947 |
| Earnings coverage of net charge-offs (x) | 3.8361% | 3,577 |
| Efficiency ratio | 78.6788% | 2,328 |
| Assets per employee ($millions) | 6.2760% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 4,760 |
| Loan loss allowance to noncurrent loans | 105.5687% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.8885% | 4,267 |
| Noncurrent loans to loans | 1.2070% | 3,840 |
| Net loans and leases to total assets | 72.6733% | 1,395 |
| Net loans and leases to deposits | 81.5314% | 2,068 |
| Net loans and leases to core deposits | 100.5716% | 991 |
| Total domestic deposits to total assets | 89.1353% | 1,480 |
| Equity capital to assets | 10.5934% | 3,406 |
| Core capital (leverage) ratio | 11.0560% | 2,211 |
| Tier 1 risk-based capital ratio | 13.7954% | 4,537 |
| Total risk-based capital ratio | 15.0308% | 4,501 |
| Memoranda: | ||
| Average total assets | $217,549,600 | 2,863 |
| Average earning assets | $209,580,000 | 2,741 |
| Average equity | $24,450,600 | 2,716 |
| Average total loans | $161,479,400 | 2,405 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8841% | 2,072 |
| Cost of funding earning assets | 0.9944% | 1,596 |
| Net interest margin | 3.8896% | 2,949 |
| Noninterest income to average assets | 0.3937% | 4,682 |
| Noninterest expense to average assets | 3.1368% | 2,773 |
| Loan and lease loss provision to assets | 0.3693% | 1,759 |
| Net operating income to assets | 0.6311% | 4,231 |
| Return on assets (ROA) | 0.6361% | 4,460 |
| Pretax return on assets | 0.6361% | 5,063 |
| Return on Equity (ROE) | 5.5702% | 4,558 |
| Retained earnings to average equity (ytd only) | 5.5702% | 2,988 |
| Net charge-offs to loans | 0.4119% | 2,446 |
| Credit loss provision to net charge-offs | 120.4918% | 2,405 |
| Earnings coverage of net charge-offs (x) | 3.2644% | 3,721 |
| Efficiency ratio | 75.8197% | 2,706 |
| Assets per employee ($millions) | 6.4156% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 4,613 |
| Loan loss allowance to noncurrent loans | 93.2373% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.0507% | 4,196 |
| Noncurrent loans to loans | 1.4408% | 3,646 |
| Net loans and leases to total assets | 71.9463% | 1,562 |
| Net loans and leases to deposits | 81.4619% | 2,189 |
| Net loans and leases to core deposits | 95.0045% | 1,489 |
| Total domestic deposits to total assets | 88.3190% | 1,833 |
| Equity capital to assets | 11.4091% | 2,841 |
| Core capital (leverage) ratio | 11.5118% | 1,980 |
| Tier 1 risk-based capital ratio | 14.6659% | 4,073 |
| Total risk-based capital ratio | 15.9162% | 4,038 |
| Memoranda: | ||
| Average total assets | $212,315,000 | 2,935 |
| Average earning assets | $204,332,500 | 2,826 |
| Average equity | $24,247,250 | 2,758 |
| Average total loans | $157,960,750 | 2,481 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9387% | 1,968 |
| Cost of funding earning assets | 1.0271% | 1,599 |
| Net interest margin | 3.9116% | 2,860 |
| Noninterest income to average assets | 0.3689% | 4,881 |
| Noninterest expense to average assets | 3.0479% | 3,098 |
| Loan and lease loss provision to assets | 0.5428% | 1,138 |
| Net operating income to assets | 0.5362% | 4,650 |
| Return on assets (ROA) | 0.5333% | 4,942 |
| Pretax return on assets | 0.5333% | 5,361 |
| Return on Equity (ROE) | 4.6684% | 4,968 |
| Retained earnings to average equity (ytd only) | 4.6684% | 3,503 |
| Net charge-offs to loans | 0.6193% | 1,776 |
| Credit loss provision to net charge-offs | 117.0082% | 2,350 |
| Earnings coverage of net charge-offs (x) | 2.3258% | 3,836 |
| Efficiency ratio | 73.8540% | 3,098 |
| Assets per employee ($millions) | 6.2559% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 4,728 |
| Loan loss allowance to noncurrent loans | 94.2616% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.0889% | 4,204 |
| Noncurrent loans to loans | 1.4151% | 3,788 |
| Net loans and leases to total assets | 75.9257% | 974 |
| Net loans and leases to deposits | 86.3708% | 1,553 |
| Net loans and leases to core deposits | 97.7426% | 1,294 |
| Total domestic deposits to total assets | 87.9066% | 2,207 |
| Equity capital to assets | 11.8235% | 2,292 |
| Core capital (leverage) ratio | 11.1808% | 2,139 |
| Tier 1 risk-based capital ratio | 14.5514% | 4,063 |
| Total risk-based capital ratio | 15.8019% | 4,029 |
| Memoranda: | ||
| Average total assets | $210,376,000 | 2,965 |
| Average earning assets | $202,117,330 | 2,853 |
| Average equity | $24,034,000 | 2,765 |
| Average total loans | $157,589,330 | 2,496 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8697% | 2,355 |
| Cost of funding earning assets | 1.0266% | 1,835 |
| Net interest margin | 3.8430% | 3,169 |
| Noninterest income to average assets | 0.3466% | 5,090 |
| Noninterest expense to average assets | 2.9443% | 3,465 |
| Loan and lease loss provision to assets | 0.5011% | 1,214 |
| Net operating income to assets | 0.5821% | 4,432 |
| Return on assets (ROA) | 0.5821% | 4,652 |
| Pretax return on assets | 0.5821% | 5,174 |
| Return on Equity (ROE) | 5.1832% | 4,698 |
| Retained earnings to average equity (ytd only) | 5.1832% | 3,450 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1057% | 3,242 |
| Assets per employee ($millions) | 6.7875% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 4,287 |
| Loan loss allowance to noncurrent loans | 71.1681% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.4899% | 3,629 |
| Noncurrent loans to loans | 2.0679% | 3,067 |
| Net loans and leases to total assets | 70.9888% | 1,574 |
| Net loans and leases to deposits | 79.9924% | 2,202 |
| Net loans and leases to core deposits | 90.5603% | 1,797 |
| Total domestic deposits to total assets | 88.7444% | 1,855 |
| Equity capital to assets | 11.0479% | 2,849 |
| Core capital (leverage) ratio | 11.1901% | 2,116 |
| Tier 1 risk-based capital ratio | 14.3165% | 4,227 |
| Total risk-based capital ratio | 15.5735% | 4,198 |
| Memoranda: | ||
| Average total assets | $212,342,000 | 2,967 |
| Average earning assets | $203,381,000 | 2,857 |
| Average equity | $23,846,500 | 2,782 |
| Average total loans | $156,952,500 | 2,528 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3626% | 1,521 |
| Cost of funding earning assets | 1.0375% | 3,108 |
| Net interest margin | 4.3251% | 1,620 |
| Noninterest income to average assets | 0.2245% | 5,927 |
| Noninterest expense to average assets | 3.2104% | 2,831 |
| Loan and lease loss provision to assets | 0.1860% | 4,330 |
| Net operating income to assets | 0.9764% | 2,297 |
| Return on assets (ROA) | 1.0154% | 2,289 |
| Pretax return on assets | 1.0154% | 3,183 |
| Return on Equity (ROE) | 8.4252% | 2,705 |
| Retained earnings to average equity (ytd only) | 8.4252% | 947 |
| Net charge-offs to loans | 0.0313% | 6,013 |
| Credit loss provision to net charge-offs | 756.5217% | 289 |
| Earnings coverage of net charge-offs (x) | 47.2826% | 585 |
| Efficiency ratio | 73.4173% | 3,323 |
| Assets per employee ($millions) | 6.6931% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 4,932 |
| Loan loss allowance to noncurrent loans | 49.5018% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 1.9833% | 2,992 |
| Noncurrent loans to loans | 2.6141% | 2,502 |
| Net loans and leases to total assets | 74.8864% | 1,109 |
| Net loans and leases to deposits | 84.8374% | 1,826 |
| Net loans and leases to core deposits | 98.9927% | 1,260 |
| Total domestic deposits to total assets | 88.2705% | 1,983 |
| Equity capital to assets | 11.4211% | 2,575 |
| Core capital (leverage) ratio | 11.8698% | 1,674 |
| Tier 1 risk-based capital ratio | 14.4349% | 4,017 |
| Total risk-based capital ratio | 15.6829% | 3,992 |
| Memoranda: | ||
| Average total assets | $187,109,400 | 3,233 |
| Average earning assets | $179,465,000 | 3,096 |
| Average equity | $22,551,400 | 2,832 |
| Average total loans | $146,800,200 | 2,683 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4381% | 1,415 |
| Cost of funding earning assets | 1.0437% | 3,363 |
| Net interest margin | 4.3944% | 1,423 |
| Noninterest income to average assets | 0.1912% | 6,223 |
| Noninterest expense to average assets | 3.1974% | 2,840 |
| Loan and lease loss provision to assets | 0.2439% | 3,562 |
| Net operating income to assets | 0.9874% | 2,369 |
| Return on assets (ROA) | 1.0402% | 2,330 |
| Pretax return on assets | 1.0402% | 3,247 |
| Return on Equity (ROE) | 8.5034% | 2,817 |
| Retained earnings to average equity (ytd only) | 8.5034% | 1,311 |
| Net charge-offs to loans | 0.0435% | 5,551 |
| Credit loss provision to net charge-offs | 708.5106% | 382 |
| Earnings coverage of net charge-offs (x) | 35.7632% | 832 |
| Efficiency ratio | 72.1965% | 3,514 |
| Assets per employee ($millions) | 6.4805% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 4,767 |
| Loan loss allowance to noncurrent loans | 51.6880% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 1.9463% | 3,208 |
| Noncurrent loans to loans | 2.6147% | 2,654 |
| Net loans and leases to total assets | 73.4295% | 1,424 |
| Net loans and leases to deposits | 83.1522% | 2,152 |
| Net loans and leases to core deposits | 93.1518% | 1,868 |
| Total domestic deposits to total assets | 88.3074% | 1,869 |
| Equity capital to assets | 11.4373% | 2,743 |
| Core capital (leverage) ratio | 12.6595% | 1,367 |
| Tier 1 risk-based capital ratio | 14.6589% | 3,860 |
| Total risk-based capital ratio | 15.9093% | 3,839 |
| Memoranda: | ||
| Average total assets | $182,015,500 | 3,319 |
| Average earning assets | $175,522,750 | 3,164 |
| Average equity | $22,265,000 | 2,862 |
| Average total loans | $144,146,500 | 2,745 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6735% | 918 |
| Cost of funding earning assets | 1.1056% | 3,204 |
| Net interest margin | 4.5680% | 970 |
| Noninterest income to average assets | 0.1741% | 6,414 |
| Noninterest expense to average assets | 3.2927% | 2,594 |
| Loan and lease loss provision to assets | 0.3562% | 2,650 |
| Net operating income to assets | 0.9128% | 2,585 |
| Return on assets (ROA) | 0.9128% | 2,688 |
| Pretax return on assets | 0.9128% | 3,574 |
| Return on Equity (ROE) | 7.2818% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.2818% | 1,748 |
| Net charge-offs to loans | 0.1096% | 4,599 |
| Credit loss provision to net charge-offs | 401.2821% | 742 |
| Earnings coverage of net charge-offs (x) | 14.2949% | 1,489 |
| Efficiency ratio | 72.1806% | 3,697 |
| Assets per employee ($millions) | 5.6399% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 4,572 |
| Loan loss allowance to noncurrent loans | 65.3616% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.7239% | 3,612 |
| Noncurrent loans to loans | 2.1403% | 3,297 |
| Net loans and leases to total assets | 79.4173% | 603 |
| Net loans and leases to deposits | 91.4624% | 1,115 |
| Net loans and leases to core deposits | 104.5408% | 1,011 |
| Total domestic deposits to total assets | 86.8305% | 2,834 |
| Equity capital to assets | 12.8766% | 1,582 |
| Core capital (leverage) ratio | 12.4525% | 1,386 |
| Tier 1 risk-based capital ratio | 15.4517% | 3,278 |
| Total risk-based capital ratio | 16.7033% | 3,213 |
| Memoranda: | ||
| Average total assets | $175,722,000 | 3,436 |
| Average earning assets | $168,784,000 | 3,296 |
| Average equity | $22,027,670 | 2,873 |
| Average total loans | $142,349,330 | 2,801 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7675% | 783 |
| Cost of funding earning assets | 1.1392% | 3,235 |
| Net interest margin | 4.6283% | 817 |
| Noninterest income to average assets | 0.2134% | 6,205 |
| Noninterest expense to average assets | 3.2674% | 2,652 |
| Loan and lease loss provision to assets | 0.4201% | 2,089 |
| Net operating income to assets | 0.9446% | 2,378 |
| Return on assets (ROA) | 0.9446% | 2,442 |
| Pretax return on assets | 0.9446% | 3,339 |
| Return on Equity (ROE) | 7.6383% | 3,078 |
| Retained earnings to average equity (ytd only) | 7.6383% | 1,869 |
| Net charge-offs to loans | 0.1314% | 3,721 |
| Credit loss provision to net charge-offs | 393.6170% | 848 |
| Earnings coverage of net charge-offs (x) | 12.7872% | 1,480 |
| Efficiency ratio | 70.5392% | 4,154 |
| Assets per employee ($millions) | 6.7047% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 5,183 |
| Loan loss allowance to noncurrent loans | 70.6792% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.4639% | 4,065 |
| Noncurrent loans to loans | 1.8256% | 3,797 |
| Net loans and leases to total assets | 79.1527% | 605 |
| Net loans and leases to deposits | 90.3466% | 1,191 |
| Net loans and leases to core deposits | 102.9546% | 1,131 |
| Total domestic deposits to total assets | 87.6101% | 2,606 |
| Equity capital to assets | 12.1502% | 1,830 |
| Core capital (leverage) ratio | 12.5866% | 1,290 |
| Tier 1 risk-based capital ratio | 14.7196% | 3,599 |
| Total risk-based capital ratio | 15.9695% | 3,554 |
| Memoranda: | ||
| Average total assets | $176,165,000 | 3,447 |
| Average earning assets | $168,184,500 | 3,323 |
| Average equity | $21,785,000 | 2,895 |
| Average total loans | $143,114,000 | 2,823 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6476% | 1,754 |
| Cost of funding earning assets | 1.3441% | 3,620 |
| Net interest margin | 4.3034% | 1,811 |
| Noninterest income to average assets | 0.2793% | 5,781 |
| Noninterest expense to average assets | 3.2389% | 2,953 |
| Loan and lease loss provision to assets | 0.1181% | 5,977 |
| Net operating income to assets | 1.4373% | 876 |
| Return on assets (ROA) | 1.4373% | 942 |
| Pretax return on assets | 1.0759% | 2,678 |
| Return on Equity (ROE) | 12.1052% | 1,300 |
| Retained earnings to average equity (ytd only) | 12.1052% | 268 |
| Net charge-offs to loans | 0.2706% | 4,675 |
| Credit loss provision to net charge-offs | 53.6193% | 6,202 |
| Earnings coverage of net charge-offs (x) | 5.4209% | 2,626 |
| Efficiency ratio | 73.0651% | 3,584 |
| Assets per employee ($millions) | 5.9070% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 5,368 |
| Loan loss allowance to noncurrent loans | 75.5004% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.3415% | 4,332 |
| Noncurrent loans to loans | 1.6290% | 4,062 |
| Net loans and leases to total assets | 81.3367% | 507 |
| Net loans and leases to deposits | 93.4343% | 1,109 |
| Net loans and leases to core deposits | 111.7632% | 828 |
| Total domestic deposits to total assets | 87.0523% | 2,793 |
| Equity capital to assets | 12.5946% | 1,580 |
| Core capital (leverage) ratio | 12.3484% | 1,375 |
| Tier 1 risk-based capital ratio | 14.8510% | 3,337 |
| Total risk-based capital ratio | 16.0501% | 3,327 |
| Memoranda: | ||
| Average total assets | $169,347,200 | 3,549 |
| Average earning assets | $163,450,800 | 3,386 |
| Average equity | $20,107,000 | 3,135 |
| Average total loans | $137,860,600 | 2,991 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6645% | 1,831 |
| Cost of funding earning assets | 1.3526% | 3,881 |
| Net interest margin | 4.3119% | 1,811 |
| Noninterest income to average assets | 0.2282% | 6,267 |
| Noninterest expense to average assets | 3.1481% | 3,116 |
| Loan and lease loss provision to assets | 0.1579% | 5,466 |
| Net operating income to assets | 1.0904% | 1,921 |
| Return on assets (ROA) | 1.0904% | 2,030 |
| Pretax return on assets | 1.0904% | 2,855 |
| Return on Equity (ROE) | 9.3277% | 2,379 |
| Retained earnings to average equity (ytd only) | 9.3277% | 955 |
| Net charge-offs to loans | 0.3745% | 3,805 |
| Credit loss provision to net charge-offs | 51.9481% | 5,854 |
| Earnings coverage of net charge-offs (x) | 4.1065% | 3,188 |
| Efficiency ratio | 71.6056% | 3,774 |
| Assets per employee ($millions) | 6.5240% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 5,162 |
| Loan loss allowance to noncurrent loans | 72.6085% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.3472% | 4,470 |
| Noncurrent loans to loans | 1.7358% | 4,042 |
| Net loans and leases to total assets | 76.6316% | 1,294 |
| Net loans and leases to deposits | 87.0747% | 2,141 |
| Net loans and leases to core deposits | 102.6104% | 1,589 |
| Total domestic deposits to total assets | 88.0067% | 1,956 |
| Equity capital to assets | 11.6487% | 2,408 |
| Core capital (leverage) ratio | 11.4324% | 1,980 |
| Tier 1 risk-based capital ratio | 14.3464% | 3,599 |
| Total risk-based capital ratio | 15.5584% | 3,586 |
| Memoranda: | ||
| Average total assets | $168,858,000 | 3,607 |
| Average earning assets | $163,234,250 | 3,433 |
| Average equity | $19,740,000 | 3,225 |
| Average total loans | $137,058,750 | 3,035 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6351% | 2,005 |
| Cost of funding earning assets | 1.3291% | 4,345 |
| Net interest margin | 4.3061% | 1,750 |
| Noninterest income to average assets | 0.1839% | 6,589 |
| Noninterest expense to average assets | 3.1281% | 3,194 |
| Loan and lease loss provision to assets | 0.2403% | 4,511 |
| Net operating income to assets | 0.9854% | 2,254 |
| Return on assets (ROA) | 0.9854% | 2,333 |
| Pretax return on assets | 0.9854% | 3,173 |
| Return on Equity (ROE) | 8.4187% | 2,701 |
| Retained earnings to average equity (ytd only) | 8.4187% | 1,289 |
| Net charge-offs to loans | 0.4243% | 3,300 |
| Credit loss provision to net charge-offs | 68.7285% | 5,001 |
| Earnings coverage of net charge-offs (x) | 3.5052% | 3,299 |
| Efficiency ratio | 71.8465% | 3,841 |
| Assets per employee ($millions) | 6.6230% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 4,846 |
| Loan loss allowance to noncurrent loans | 71.5918% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.4193% | 4,346 |
| Noncurrent loans to loans | 1.8317% | 3,963 |
| Net loans and leases to total assets | 76.4708% | 1,399 |
| Net loans and leases to deposits | 86.3862% | 2,447 |
| Net loans and leases to core deposits | 107.9282% | 1,302 |
| Total domestic deposits to total assets | 88.5220% | 1,710 |
| Equity capital to assets | 11.1498% | 2,729 |
| Core capital (leverage) ratio | 11.4756% | 1,928 |
| Tier 1 risk-based capital ratio | 13.7070% | 3,937 |
| Total risk-based capital ratio | 14.9572% | 3,899 |
| Memoranda: | ||
| Average total assets | $166,428,000 | 3,666 |
| Average earning assets | $161,167,670 | 3,490 |
| Average equity | $19,480,330 | 3,245 |
| Average total loans | $137,175,670 | 3,063 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7860% | 1,505 |
| Cost of funding earning assets | 1.3041% | 4,789 |
| Net interest margin | 4.4819% | 1,183 |
| Noninterest income to average assets | 0.1947% | 6,568 |
| Noninterest expense to average assets | 3.3826% | 2,284 |
| Loan and lease loss provision to assets | 0.2496% | 4,052 |
| Net operating income to assets | 0.9037% | 2,528 |
| Return on assets (ROA) | 0.9037% | 2,599 |
| Pretax return on assets | 0.9037% | 3,458 |
| Return on Equity (ROE) | 7.5215% | 3,103 |
| Retained earnings to average equity (ytd only) | 7.5215% | 1,914 |
| Net charge-offs to loans | 0.8323% | 1,868 |
| Credit loss provision to net charge-offs | 35.2113% | 4,738 |
| Earnings coverage of net charge-offs (x) | 1.6268% | 3,757 |
| Efficiency ratio | 74.5735% | 3,474 |
| Assets per employee ($millions) | 6.0438% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 5,192 |
| Loan loss allowance to noncurrent loans | 56.5246% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.8691% | 3,677 |
| Noncurrent loans to loans | 2.2171% | 3,504 |
| Net loans and leases to total assets | 83.2451% | 453 |
| Net loans and leases to deposits | 94.9924% | 1,235 |
| Net loans and leases to core deposits | 126.9305% | 562 |
| Total domestic deposits to total assets | 87.6334% | 2,272 |
| Equity capital to assets | 11.9155% | 2,093 |
| Core capital (leverage) ratio | 11.9222% | 1,680 |
| Tier 1 risk-based capital ratio | 13.7038% | 3,862 |
| Total risk-based capital ratio | 14.9230% | 3,834 |
| Memoranda: | ||
| Average total assets | $160,232,000 | 3,841 |
| Average earning assets | $155,201,000 | 3,663 |
| Average equity | $19,251,500 | 3,298 |
| Average total loans | $136,482,500 | 3,138 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6307% | 3,438 |
| Cost of funding earning assets | 1.9616% | 3,144 |
| Net interest margin | 3.6691% | 4,259 |
| Noninterest income to average assets | 0.6430% | 3,336 |
| Noninterest expense to average assets | 3.6788% | 1,957 |
| Loan and lease loss provision to assets | 2.9404% | 601 |
| Net operating income to assets | -2.4068% | 7,235 |
| Return on assets (ROA) | -2.4068% | 7,242 |
| Pretax return on assets | -2.4068% | 7,113 |
| Return on Equity (ROE) | -18.7662% | 7,099 |
| Retained earnings to average equity (ytd only) | -18.7662% | 7,058 |
| Net charge-offs to loans | 3.7674% | 479 |
| Credit loss provision to net charge-offs | 92.3205% | 5,927 |
| Earnings coverage of net charge-offs (x) | 0.1675% | 5,987 |
| Efficiency ratio | 87.3328% | 1,947 |
| Assets per employee ($millions) | 5.6172% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4092% | 4,185 |
| Loan loss allowance to noncurrent loans | 44.6629% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 2.7161% | 2,573 |
| Noncurrent loans to loans | 3.1551% | 2,428 |
| Net loans and leases to total assets | 84.8743% | 362 |
| Net loans and leases to deposits | 97.1310% | 1,197 |
| Net loans and leases to core deposits | 170.6361% | 230 |
| Total domestic deposits to total assets | 87.3813% | 2,277 |
| Equity capital to assets | 12.1177% | 1,964 |
| Core capital (leverage) ratio | 12.4103% | 1,488 |
| Tier 1 risk-based capital ratio | 13.6684% | 3,706 |
| Total risk-based capital ratio | 14.9198% | 3,645 |
| Memoranda: | ||
| Average total assets | $150,866,000 | 3,947 |
| Average earning assets | $146,765,800 | 3,769 |
| Average equity | $19,348,600 | 3,301 |
| Average total loans | $127,542,200 | 3,318 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5797% | 3,975 |
| Cost of funding earning assets | 2.1687% | 2,560 |
| Net interest margin | 3.4110% | 5,215 |
| Noninterest income to average assets | 0.5806% | 3,847 |
| Noninterest expense to average assets | 3.8428% | 1,520 |
| Loan and lease loss provision to assets | 3.7740% | 332 |
| Net operating income to assets | -3.7178% | 7,716 |
| Return on assets (ROA) | -3.7178% | 7,714 |
| Pretax return on assets | -3.7178% | 7,643 |
| Return on Equity (ROE) | -28.5731% | 7,576 |
| Retained earnings to average equity (ytd only) | -28.5731% | 7,565 |
| Net charge-offs to loans | 3.9518% | 362 |
| Credit loss provision to net charge-offs | 113.5142% | 4,478 |
| Earnings coverage of net charge-offs (x) | 0.0169% | 6,041 |
| Efficiency ratio | 98.5567% | 1,135 |
| Assets per employee ($millions) | 5.4008% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1376% | 1,524 |
| Loan loss allowance to noncurrent loans | 63.0100% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 3.0492% | 2,267 |
| Noncurrent loans to loans | 3.3925% | 2,220 |
| Net loans and leases to total assets | 84.1630% | 523 |
| Net loans and leases to deposits | 96.6342% | 1,497 |
| Net loans and leases to core deposits | 156.4646% | 453 |
| Total domestic deposits to total assets | 87.0945% | 2,133 |
| Equity capital to assets | 12.2634% | 2,089 |
| Core capital (leverage) ratio | 12.1721% | 1,720 |
| Tier 1 risk-based capital ratio | 14.0396% | 3,527 |
| Total risk-based capital ratio | 15.3005% | 3,468 |
| Memoranda: | ||
| Average total assets | $149,262,000 | 3,988 |
| Average earning assets | $145,212,000 | 3,815 |
| Average equity | $19,421,000 | 3,324 |
| Average total loans | $125,577,750 | 3,392 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4270% | 5,000 |
| Cost of funding earning assets | 2.2955% | 2,370 |
| Net interest margin | 3.1316% | 6,147 |
| Noninterest income to average assets | 0.3513% | 5,694 |
| Noninterest expense to average assets | 4.1505% | 1,128 |
| Loan and lease loss provision to assets | 5.1720% | 187 |
| Net operating income to assets | -5.9216% | 7,997 |
| Return on assets (ROA) | -5.9216% | 7,986 |
| Pretax return on assets | -5.9216% | 7,944 |
| Return on Equity (ROE) | -44.6406% | 7,881 |
| Retained earnings to average equity (ytd only) | -44.6406% | 7,870 |
| Net charge-offs to loans | 2.4370% | 721 |
| Credit loss provision to net charge-offs | 254.1667% | 1,831 |
| Earnings coverage of net charge-offs (x) | -0.3684% | 6,004 |
| Efficiency ratio | 122.0419% | 630 |
| Assets per employee ($millions) | 5.7390% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5585% | 359 |
| Loan loss allowance to noncurrent loans | 52.3577% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 6.0754% | 795 |
| Noncurrent loans to loans | 6.7966% | 740 |
| Net loans and leases to total assets | 80.5941% | 1,213 |
| Net loans and leases to deposits | 92.0538% | 2,465 |
| Net loans and leases to core deposits | 135.4244% | 1,243 |
| Total domestic deposits to total assets | 87.5511% | 1,993 |
| Equity capital to assets | 11.7771% | 2,340 |
| Core capital (leverage) ratio | 12.2168% | 1,741 |
| Tier 1 risk-based capital ratio | 13.2898% | 3,945 |
| Total risk-based capital ratio | 14.5033% | 3,883 |
| Memoranda: | ||
| Average total assets | $148,608,670 | 4,017 |
| Average earning assets | $144,719,670 | 3,845 |
| Average equity | $19,713,000 | 3,290 |
| Average total loans | $124,086,000 | 3,454 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4444% | 5,206 |
| Cost of funding earning assets | 2.4493% | 2,106 |
| Net interest margin | 2.9951% | 6,489 |
| Noninterest income to average assets | 0.2558% | 6,409 |
| Noninterest expense to average assets | 5.0771% | 459 |
| Loan and lease loss provision to assets | 10.4816% | 37 |
| Net operating income to assets | -12.3903% | 8,189 |
| Return on assets (ROA) | -12.3903% | 8,181 |
| Pretax return on assets | -12.3903% | 8,177 |
| Return on Equity (ROE) | -88.1389% | 8,138 |
| Retained earnings to average equity (ytd only) | -88.1389% | 8,129 |
| Net charge-offs to loans | 4.2543% | 277 |
| Credit loss provision to net charge-offs | 295.1975% | 1,648 |
| Earnings coverage of net charge-offs (x) | -0.5376% | 5,266 |
| Efficiency ratio | 160.2431% | 306 |
| Assets per employee ($millions) | 5.2383% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9545% | 233 |
| Loan loss allowance to noncurrent loans | 112.0009% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 3.7580% | 1,406 |
| Noncurrent loans to loans | 3.5307% | 1,796 |
| Net loans and leases to total assets | 79.4351% | 1,489 |
| Net loans and leases to deposits | 91.5412% | 2,682 |
| Net loans and leases to core deposits | 127.6070% | 1,814 |
| Total domestic deposits to total assets | 86.7753% | 2,324 |
| Equity capital to assets | 12.3984% | 2,031 |
| Core capital (leverage) ratio | 12.2138% | 1,809 |
| Tier 1 risk-based capital ratio | 14.6583% | 3,224 |
| Total risk-based capital ratio | 15.9408% | 3,140 |
| Memoranda: | ||
| Average total assets | $145,436,500 | 4,087 |
| Average earning assets | $141,431,000 | 3,925 |
| Average equity | $20,445,000 | 3,198 |
| Average total loans | $121,383,500 | 3,527 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3716% | 3,568 |
| Cost of funding earning assets | 2.7222% | 3,053 |
| Net interest margin | 3.6494% | 4,682 |
| Noninterest income to average assets | 0.2106% | 6,930 |
| Noninterest expense to average assets | 4.0101% | 1,408 |
| Loan and lease loss provision to assets | 1.4818% | 912 |
| Net operating income to assets | -1.7695% | 7,548 |
| Return on assets (ROA) | -1.7599% | 7,499 |
| Pretax return on assets | -1.7599% | 7,357 |
| Return on Equity (ROE) | -9.2173% | 7,217 |
| Retained earnings to average equity (ytd only) | -9.2173% | 6,992 |
| Net charge-offs to loans | 0.2745% | 3,573 |
| Credit loss provision to net charge-offs | 690.7407% | 611 |
| Earnings coverage of net charge-offs (x) | -1.3407% | 6,643 |
| Efficiency ratio | 107.7268% | 764 |
| Assets per employee ($millions) | 5.1500% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8747% | 1,474 |
| Loan loss allowance to noncurrent loans | 111.7820% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 1.9015% | 2,586 |
| Noncurrent loans to loans | 1.6771% | 3,257 |
| Net loans and leases to total assets | 82.6513% | 1,111 |
| Net loans and leases to deposits | 98.5774% | 2,039 |
| Net loans and leases to core deposits | 135.9446% | 1,491 |
| Total domestic deposits to total assets | 83.8441% | 3,400 |
| Equity capital to assets | 15.7454% | 987 |
| Core capital (leverage) ratio | 15.2023% | 979 |
| Tier 1 risk-based capital ratio | 17.9153% | 2,062 |
| Total risk-based capital ratio | 19.1725% | 2,001 |
| Memoranda: | ||
| Average total assets | $125,858,000 | 4,376 |
| Average earning assets | $121,115,600 | 4,229 |
| Average equity | $24,030,800 | 2,728 |
| Average total loans | $98,351,000 | 3,995 |