Home > The Harrison Building and Loan Association > Performance and Condition Ratios
The Harrison Building and Loan Association, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7941% | 3,434 |
| Cost of funding earning assets | 1.9397% | 2,367 |
| Net interest margin | 2.8544% | 3,391 |
| Noninterest income to average assets | 0.4000% | 2,453 |
| Noninterest expense to average assets | 1.9573% | 3,688 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.9006% | 2,380 |
| Return on assets (ROA) | 0.9013% | 2,379 |
| Pretax return on assets | 1.0560% | 2,371 |
| Return on Equity (ROE) | 6.5900% | 3,132 |
| Retained earnings to average equity (ytd only) | 6.5876% | 1,591 |
| Net charge-offs to loans | 0.0033% | 2,863 |
| Credit loss provision to net charge-offs | 2,875.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 722.2500% | 184 |
| Efficiency ratio | 64.0000% | 2,721 |
| Assets per employee ($millions) | 7.9154% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 3,674 |
| Loan loss allowance to noncurrent loans | 152.3288% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 2,120 |
| Noncurrent loans to loans | 0.5805% | 1,636 |
| Net loans and leases to total assets | 47.7200% | 3,742 |
| Net loans and leases to deposits | 61.5901% | 3,458 |
| Net loans and leases to core deposits | 68.5306% | 3,418 |
| Total domestic deposits to total assets | 77.4800% | 3,833 |
| Equity capital to assets | 13.8212% | 711 |
| Core capital (leverage) ratio | 16.7565% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $262,408,200 | 2,640 |
| Average earning assets | $244,321,400 | 2,627 |
| Average equity | $35,900,600 | 2,139 |
| Average total loans | $121,060,400 | 2,985 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7571% | 3,451 |
| Cost of funding earning assets | 1.9207% | 2,411 |
| Net interest margin | 2.8364% | 3,394 |
| Noninterest income to average assets | 0.5100% | 1,850 |
| Noninterest expense to average assets | 1.9616% | 3,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.0866% | 1,804 |
| Return on assets (ROA) | 1.0866% | 1,807 |
| Pretax return on assets | 1.1917% | 2,005 |
| Return on Equity (ROE) | 7.9600% | 2,775 |
| Retained earnings to average equity (ytd only) | 7.9626% | 1,406 |
| Net charge-offs to loans | 0.0044% | 2,536 |
| Credit loss provision to net charge-offs | -125.0000% | 4,404 |
| Earnings coverage of net charge-offs (x) | 587.0000% | 214 |
| Efficiency ratio | 62.2083% | 2,897 |
| Assets per employee ($millions) | 8.0773% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8006% | 3,907 |
| Loan loss allowance to noncurrent loans | 137.2061% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 2,148 |
| Noncurrent loans to loans | 0.5835% | 1,636 |
| Net loans and leases to total assets | 46.1200% | 3,819 |
| Net loans and leases to deposits | 59.7910% | 3,603 |
| Net loans and leases to core deposits | 66.5796% | 3,544 |
| Total domestic deposits to total assets | 77.1300% | 3,817 |
| Equity capital to assets | 14.1552% | 711 |
| Core capital (leverage) ratio | 16.6609% | 432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $262,708,500 | 2,632 |
| Average earning assets | $245,187,000 | 2,613 |
| Average equity | $35,850,250 | 2,136 |
| Average total loans | $119,884,750 | 2,991 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 3,383 |
| Cost of funding earning assets | 1.8990% | 2,364 |
| Net interest margin | 2.8452% | 3,348 |
| Noninterest income to average assets | 0.6900% | 1,121 |
| Noninterest expense to average assets | 1.9868% | 3,588 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2745% | 1,311 |
| Return on assets (ROA) | 1.2745% | 1,317 |
| Pretax return on assets | 1.3572% | 1,577 |
| Return on Equity (ROE) | 9.4600% | 2,320 |
| Retained earnings to average equity (ytd only) | 9.4596% | 989 |
| Net charge-offs to loans | 0.0067% | 2,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 443.5000% | 273 |
| Efficiency ratio | 59.4143% | 3,260 |
| Assets per employee ($millions) | 7.8931% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 3,811 |
| Loan loss allowance to noncurrent loans | 135.2782% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 2,032 |
| Noncurrent loans to loans | 0.6336% | 1,461 |
| Net loans and leases to total assets | 44.2800% | 3,895 |
| Net loans and leases to deposits | 57.1443% | 3,702 |
| Net loans and leases to core deposits | 62.2191% | 3,685 |
| Total domestic deposits to total assets | 77.4800% | 3,763 |
| Equity capital to assets | 13.6371% | 745 |
| Core capital (leverage) ratio | 16.4383% | 441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $261,427,333 | 2,635 |
| Average earning assets | $243,705,333 | 2,626 |
| Average equity | $35,223,333 | 2,129 |
| Average total loans | $118,541,667 | 3,003 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6243% | 3,479 |
| Cost of funding earning assets | 1.8382% | 2,397 |
| Net interest margin | 2.7861% | 3,397 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 1.9549% | 3,671 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7132% | 2,799 |
| Return on assets (ROA) | 0.7132% | 2,820 |
| Pretax return on assets | 0.7957% | 2,936 |
| Return on Equity (ROE) | 5.3300% | 3,377 |
| Retained earnings to average equity (ytd only) | 5.3258% | 2,309 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 71.0716% | 2,036 |
| Assets per employee ($millions) | 7.9534% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 3,852 |
| Loan loss allowance to noncurrent loans | 105.3684% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3620% | 1,669 |
| Noncurrent loans to loans | 0.8001% | 1,105 |
| Net loans and leases to total assets | 44.8600% | 3,859 |
| Net loans and leases to deposits | 57.5303% | 3,649 |
| Net loans and leases to core deposits | 62.6652% | 3,667 |
| Total domestic deposits to total assets | 77.9800% | 3,800 |
| Equity capital to assets | 13.2609% | 800 |
| Core capital (leverage) ratio | 16.1355% | 464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $261,904,500 | 2,637 |
| Average earning assets | $243,929,000 | 2,631 |
| Average equity | $35,074,500 | 2,133 |
| Average total loans | $119,650,000 | 2,995 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3902% | 3,297 |
| Cost of funding earning assets | 1.2867% | 2,562 |
| Net interest margin | 3.1035% | 3,091 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 1.9993% | 3,640 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.1453% | 1,796 |
| Return on assets (ROA) | 1.1453% | 1,767 |
| Pretax return on assets | 1.2396% | 2,031 |
| Return on Equity (ROE) | 9.2900% | 2,686 |
| Retained earnings to average equity (ytd only) | 9.2947% | 1,187 |
| Net charge-offs to loans | 0.0614% | 1,238 |
| Credit loss provision to net charge-offs | 83.3333% | 1,998 |
| Earnings coverage of net charge-offs (x) | 44.6389% | 1,364 |
| Efficiency ratio | 61.2818% | 2,941 |
| Assets per employee ($millions) | 7.6866% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8303% | 3,890 |
| Loan loss allowance to noncurrent loans | 104.2708% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 1,505 |
| Noncurrent loans to loans | 0.7963% | 973 |
| Net loans and leases to total assets | 45.7500% | 3,822 |
| Net loans and leases to deposits | 58.8470% | 3,590 |
| Net loans and leases to core deposits | 63.2992% | 3,624 |
| Total domestic deposits to total assets | 77.7400% | 3,764 |
| Equity capital to assets | 13.5238% | 763 |
| Core capital (leverage) ratio | 15.9371% | 494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $254,435,600 | 2,652 |
| Average earning assets | $235,636,200 | 2,653 |
| Average equity | $31,351,200 | 2,208 |
| Average total loans | $117,337,600 | 2,985 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 3,277 |
| Cost of funding earning assets | 1.1607% | 2,563 |
| Net interest margin | 3.1474% | 3,034 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.0207% | 3,541 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.8917% | 2,713 |
| Return on assets (ROA) | 0.8917% | 2,699 |
| Pretax return on assets | 1.0098% | 2,827 |
| Return on Equity (ROE) | 7.4200% | 3,327 |
| Retained earnings to average equity (ytd only) | 7.4236% | 2,169 |
| Net charge-offs to loans | 0.0561% | 1,107 |
| Credit loss provision to net charge-offs | 122.4490% | 1,467 |
| Earnings coverage of net charge-offs (x) | 40.2857% | 1,438 |
| Efficiency ratio | 65.9890% | 2,277 |
| Assets per employee ($millions) | 7.6523% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 3,817 |
| Loan loss allowance to noncurrent loans | 101.5873% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 1,447 |
| Noncurrent loans to loans | 0.8597% | 964 |
| Net loans and leases to total assets | 46.0200% | 3,833 |
| Net loans and leases to deposits | 57.4645% | 3,633 |
| Net loans and leases to core deposits | 61.4655% | 3,634 |
| Total domestic deposits to total assets | 80.0900% | 3,516 |
| Equity capital to assets | 10.8520% | 1,407 |
| Core capital (leverage) ratio | 15.8103% | 519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $252,708,000 | 2,674 |
| Average earning assets | $233,754,250 | 2,675 |
| Average equity | $30,353,000 | 2,238 |
| Average total loans | $116,532,500 | 2,996 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2263% | 3,240 |
| Cost of funding earning assets | 1.0156% | 2,547 |
| Net interest margin | 3.2108% | 2,960 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.0351% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9716% | 2,514 |
| Return on assets (ROA) | 0.9716% | 2,506 |
| Pretax return on assets | 1.0911% | 2,671 |
| Return on Equity (ROE) | 7.8400% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.8376% | 2,020 |
| Net charge-offs to loans | 0.0843% | 757 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 28.1429% | 1,584 |
| Efficiency ratio | 65.0974% | 2,360 |
| Assets per employee ($millions) | 7.4034% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 3,962 |
| Loan loss allowance to noncurrent loans | 95.1629% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.4024% | 1,323 |
| Noncurrent loans to loans | 0.8660% | 876 |
| Net loans and leases to total assets | 46.0900% | 3,793 |
| Net loans and leases to deposits | 58.6387% | 3,507 |
| Net loans and leases to core deposits | 61.7435% | 3,545 |
| Total domestic deposits to total assets | 78.6000% | 3,773 |
| Equity capital to assets | 12.3854% | 958 |
| Core capital (leverage) ratio | 15.6345% | 516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $252,768,667 | 2,676 |
| Average earning assets | $234,150,333 | 2,685 |
| Average equity | $31,336,000 | 2,206 |
| Average total loans | $116,294,667 | 2,994 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 3,252 |
| Cost of funding earning assets | 0.8754% | 2,451 |
| Net interest margin | 3.2258% | 3,053 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.0229% | 3,579 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9886% | 2,566 |
| Return on assets (ROA) | 0.9886% | 2,530 |
| Pretax return on assets | 1.1117% | 2,672 |
| Return on Equity (ROE) | 7.9700% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.9705% | 2,228 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.5340% | 2,381 |
| Assets per employee ($millions) | 7.7685% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 3,948 |
| Loan loss allowance to noncurrent loans | 87.6298% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 1,134 |
| Noncurrent loans to loans | 0.9871% | 741 |
| Net loans and leases to total assets | 45.2900% | 3,810 |
| Net loans and leases to deposits | 57.6533% | 3,472 |
| Net loans and leases to core deposits | 60.6314% | 3,510 |
| Total domestic deposits to total assets | 78.5500% | 3,937 |
| Equity capital to assets | 12.6136% | 846 |
| Core capital (leverage) ratio | 15.4732% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $253,295,000 | 2,710 |
| Average earning assets | $234,854,500 | 2,706 |
| Average equity | $31,416,000 | 2,234 |
| Average total loans | $115,952,000 | 3,022 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6307% | 2,703 |
| Cost of funding earning assets | 0.4582% | 1,663 |
| Net interest margin | 3.1725% | 2,954 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.0591% | 3,419 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9146% | 2,898 |
| Return on assets (ROA) | 0.9146% | 2,842 |
| Pretax return on assets | 1.0360% | 2,960 |
| Return on Equity (ROE) | 7.1100% | 3,618 |
| Retained earnings to average equity (ytd only) | 7.1108% | 2,195 |
| Net charge-offs to loans | -0.0293% | 4,191 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.5279% | 2,144 |
| Assets per employee ($millions) | 7.3597% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 3,833 |
| Loan loss allowance to noncurrent loans | 86.4334% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 1,082 |
| Noncurrent loans to loans | 1.0210% | 708 |
| Net loans and leases to total assets | 45.4700% | 3,823 |
| Net loans and leases to deposits | 55.7219% | 3,593 |
| Net loans and leases to core deposits | 58.1753% | 3,602 |
| Total domestic deposits to total assets | 81.6000% | 3,677 |
| Equity capital to assets | 12.1871% | 886 |
| Core capital (leverage) ratio | 15.2783% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $256,180,800 | 2,693 |
| Average earning assets | $238,106,200 | 2,682 |
| Average equity | $32,949,800 | 2,199 |
| Average total loans | $112,535,600 | 3,001 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5184% | 2,557 |
| Cost of funding earning assets | 0.4365% | 1,055 |
| Net interest margin | 3.0819% | 2,987 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.1660% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7368% | 3,460 |
| Return on assets (ROA) | 0.7368% | 3,405 |
| Pretax return on assets | 0.8486% | 3,476 |
| Return on Equity (ROE) | 5.6600% | 3,858 |
| Retained earnings to average equity (ytd only) | 5.6568% | 2,874 |
| Net charge-offs to loans | -0.0393% | 4,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.8503% | 1,535 |
| Assets per employee ($millions) | 7.1580% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 3,872 |
| Loan loss allowance to noncurrent loans | 84.7699% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 1,134 |
| Noncurrent loans to loans | 1.0562% | 721 |
| Net loans and leases to total assets | 44.7600% | 3,832 |
| Net loans and leases to deposits | 53.1880% | 3,653 |
| Net loans and leases to core deposits | 55.4922% | 3,657 |
| Total domestic deposits to total assets | 84.1500% | 3,469 |
| Equity capital to assets | 10.6008% | 1,332 |
| Core capital (leverage) ratio | 15.0519% | 546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $257,668,250 | 2,699 |
| Average earning assets | $239,759,500 | 2,686 |
| Average equity | $33,563,250 | 2,205 |
| Average total loans | $111,971,750 | 3,020 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3828% | 2,486 |
| Cost of funding earning assets | 0.4618% | 652 |
| Net interest margin | 2.9210% | 3,112 |
| Noninterest income to average assets | 0.1431% | 4,302 |
| Noninterest expense to average assets | 2.1604% | 2,970 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6053% | 3,616 |
| Return on assets (ROA) | 0.6053% | 3,562 |
| Pretax return on assets | 0.7068% | 3,556 |
| Return on Equity (ROE) | 4.3846% | 3,937 |
| Retained earnings to average equity (ytd only) | 4.3846% | 2,930 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3487% | 1,352 |
| Assets per employee ($millions) | 7.0747% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 3,994 |
| Loan loss allowance to noncurrent loans | 68.0556% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5654% | 994 |
| Noncurrent loans to loans | 1.3021% | 606 |
| Net loans and leases to total assets | 43.0380% | 3,903 |
| Net loans and leases to deposits | 51.2352% | 3,743 |
| Net loans and leases to core deposits | 53.2642% | 3,740 |
| Total domestic deposits to total assets | 84.0009% | 3,684 |
| Equity capital to assets | 11.9181% | 907 |
| Core capital (leverage) ratio | 14.6925% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,048,000 | 2,709 |
| Average earning assets | $242,519,667 | 2,707 |
| Average equity | $35,898,333 | 2,161 |
| Average total loans | $111,580,333 | 3,043 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2211% | 2,622 |
| Cost of funding earning assets | 0.4588% | 622 |
| Net interest margin | 2.7623% | 3,246 |
| Noninterest income to average assets | 0.1355% | 4,338 |
| Noninterest expense to average assets | 2.0919% | 3,171 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5451% | 3,581 |
| Return on assets (ROA) | 0.5451% | 3,550 |
| Pretax return on assets | 0.6288% | 3,556 |
| Return on Equity (ROE) | 3.7031% | 3,950 |
| Retained earnings to average equity (ytd only) | 3.7031% | 3,039 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8886% | 1,425 |
| Assets per employee ($millions) | 7.2793% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 4,108 |
| Loan loss allowance to noncurrent loans | 63.8021% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 1,006 |
| Noncurrent loans to loans | 1.3684% | 629 |
| Net loans and leases to total assets | 42.4590% | 3,854 |
| Net loans and leases to deposits | 51.4294% | 3,612 |
| Net loans and leases to core deposits | 54.0617% | 3,585 |
| Total domestic deposits to total assets | 82.5579% | 4,009 |
| Equity capital to assets | 13.4705% | 611 |
| Core capital (leverage) ratio | 14.6533% | 484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,727,500 | 2,705 |
| Average earning assets | $245,880,000 | 2,705 |
| Average equity | $38,670,500 | 2,102 |
| Average total loans | $112,074,000 | 3,031 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2655% | 3,309 |
| Cost of funding earning assets | 0.5015% | 925 |
| Net interest margin | 2.7640% | 3,744 |
| Noninterest income to average assets | 0.1492% | 4,403 |
| Noninterest expense to average assets | 2.1193% | 3,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5012% | 4,082 |
| Return on assets (ROA) | 0.5012% | 4,126 |
| Pretax return on assets | 0.6263% | 4,066 |
| Return on Equity (ROE) | 3.2185% | 4,330 |
| Retained earnings to average equity (ytd only) | 3.2185% | 3,541 |
| Net charge-offs to loans | 0.0098% | 2,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 151.5455% | 656 |
| Efficiency ratio | 77.1894% | 1,009 |
| Assets per employee ($millions) | 7.7471% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 4,124 |
| Loan loss allowance to noncurrent loans | 47.8516% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 784 |
| Noncurrent loans to loans | 1.8302% | 455 |
| Net loans and leases to total assets | 42.1116% | 3,975 |
| Net loans and leases to deposits | 52.6043% | 3,697 |
| Net loans and leases to core deposits | 55.3111% | 3,678 |
| Total domestic deposits to total assets | 80.0535% | 4,215 |
| Equity capital to assets | 15.9609% | 386 |
| Core capital (leverage) ratio | 14.4402% | 551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,171,800 | 2,629 |
| Average earning assets | $250,036,000 | 2,616 |
| Average equity | $41,448,200 | 2,032 |
| Average total loans | $112,793,400 | 3,029 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2661% | 3,471 |
| Cost of funding earning assets | 0.5058% | 1,022 |
| Net interest margin | 2.7603% | 3,866 |
| Noninterest income to average assets | 0.1464% | 4,463 |
| Noninterest expense to average assets | 2.1054% | 3,346 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5086% | 4,183 |
| Return on assets (ROA) | 0.5086% | 4,228 |
| Pretax return on assets | 0.6340% | 4,183 |
| Return on Equity (ROE) | 3.2864% | 4,420 |
| Retained earnings to average equity (ytd only) | 3.2864% | 3,803 |
| Net charge-offs to loans | -0.0295% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8557% | 972 |
| Assets per employee ($millions) | 7.7331% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 4,047 |
| Loan loss allowance to noncurrent loans | 47.7668% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 0.7859% | 917 |
| Noncurrent loans to loans | 1.9607% | 457 |
| Net loans and leases to total assets | 39.7057% | 4,223 |
| Net loans and leases to deposits | 49.2148% | 4,052 |
| Net loans and leases to core deposits | 51.7352% | 4,050 |
| Total domestic deposits to total assets | 80.6783% | 4,133 |
| Equity capital to assets | 15.3400% | 487 |
| Core capital (leverage) ratio | 13.8875% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,864,750 | 2,646 |
| Average earning assets | $250,693,250 | 2,639 |
| Average equity | $41,300,000 | 2,065 |
| Average total loans | $113,016,250 | 3,067 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2467% | 3,572 |
| Cost of funding earning assets | 0.5104% | 1,141 |
| Net interest margin | 2.7363% | 3,908 |
| Noninterest income to average assets | 0.1431% | 4,483 |
| Noninterest expense to average assets | 2.0911% | 3,414 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4953% | 4,229 |
| Return on assets (ROA) | 0.4947% | 4,275 |
| Pretax return on assets | 0.6190% | 4,203 |
| Return on Equity (ROE) | 3.1872% | 4,445 |
| Retained earnings to average equity (ytd only) | 3.1872% | 3,782 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1389% | 977 |
| Assets per employee ($millions) | 7.3064% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8858% | 4,195 |
| Loan loss allowance to noncurrent loans | 56.5962% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 0.8060% | 998 |
| Noncurrent loans to loans | 1.5652% | 712 |
| Net loans and leases to total assets | 41.0164% | 4,236 |
| Net loans and leases to deposits | 50.9144% | 4,054 |
| Net loans and leases to core deposits | 53.5532% | 4,045 |
| Total domestic deposits to total assets | 80.5595% | 4,146 |
| Equity capital to assets | 15.4769% | 470 |
| Core capital (leverage) ratio | 13.8520% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,600,000 | 2,644 |
| Average earning assets | $249,238,667 | 2,636 |
| Average equity | $41,227,000 | 2,054 |
| Average total loans | $114,527,333 | 3,062 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3396% | 3,367 |
| Cost of funding earning assets | 0.5153% | 1,304 |
| Net interest margin | 2.8243% | 3,702 |
| Noninterest income to average assets | 0.1413% | 4,498 |
| Noninterest expense to average assets | 2.2794% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3921% | 4,370 |
| Return on assets (ROA) | 0.3921% | 4,396 |
| Pretax return on assets | 0.5106% | 4,327 |
| Return on Equity (ROE) | 2.5220% | 4,548 |
| Retained earnings to average equity (ytd only) | 2.5220% | 3,910 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6993% | 717 |
| Assets per employee ($millions) | 7.1993% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 4,255 |
| Loan loss allowance to noncurrent loans | 68.8673% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7009% | 1,337 |
| Noncurrent loans to loans | 1.2587% | 1,031 |
| Net loans and leases to total assets | 42.5479% | 4,197 |
| Net loans and leases to deposits | 52.5421% | 4,021 |
| Net loans and leases to core deposits | 55.0118% | 4,046 |
| Total domestic deposits to total assets | 80.9787% | 4,067 |
| Equity capital to assets | 15.1268% | 478 |
| Core capital (leverage) ratio | 14.0349% | 648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,231,000 | 2,642 |
| Average earning assets | $246,853,500 | 2,633 |
| Average equity | $40,920,500 | 2,051 |
| Average total loans | $115,854,000 | 3,052 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5411% | 3,941 |
| Cost of funding earning assets | 0.6011% | 2,299 |
| Net interest margin | 2.9400% | 4,038 |
| Noninterest income to average assets | 0.1436% | 4,579 |
| Noninterest expense to average assets | 2.2529% | 3,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5417% | 3,927 |
| Return on assets (ROA) | 0.5417% | 4,025 |
| Pretax return on assets | 0.6470% | 3,984 |
| Return on Equity (ROE) | 3.3040% | 4,300 |
| Retained earnings to average equity (ytd only) | 3.3040% | 3,176 |
| Net charge-offs to loans | -0.0017% | 3,972 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6879% | 1,060 |
| Assets per employee ($millions) | 7.2246% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8443% | 4,336 |
| Loan loss allowance to noncurrent loans | 57.3495% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 0.8290% | 1,226 |
| Noncurrent loans to loans | 1.4721% | 908 |
| Net loans and leases to total assets | 44.7500% | 4,209 |
| Net loans and leases to deposits | 55.9525% | 4,001 |
| Net loans and leases to core deposits | 58.7675% | 4,009 |
| Total domestic deposits to total assets | 79.9786% | 4,046 |
| Equity capital to assets | 15.9743% | 429 |
| Core capital (leverage) ratio | 14.2759% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,105,600 | 2,632 |
| Average earning assets | $227,926,200 | 2,615 |
| Average equity | $39,860,800 | 2,025 |
| Average total loans | $120,193,000 | 2,980 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6694% | 3,860 |
| Cost of funding earning assets | 0.6125% | 2,529 |
| Net interest margin | 3.0570% | 3,844 |
| Noninterest income to average assets | 0.1440% | 4,586 |
| Noninterest expense to average assets | 2.1574% | 3,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7458% | 3,298 |
| Return on assets (ROA) | 0.7463% | 3,400 |
| Pretax return on assets | 0.8540% | 3,505 |
| Return on Equity (ROE) | 4.5199% | 4,024 |
| Retained earnings to average equity (ytd only) | 4.5199% | 2,787 |
| Net charge-offs to loans | -0.0022% | 3,898 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6537% | 1,680 |
| Assets per employee ($millions) | 6.7995% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8411% | 4,250 |
| Loan loss allowance to noncurrent loans | 45.7103% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 0.8617% | 1,348 |
| Noncurrent loans to loans | 1.8400% | 707 |
| Net loans and leases to total assets | 46.4397% | 4,292 |
| Net loans and leases to deposits | 58.2597% | 4,153 |
| Net loans and leases to core deposits | 60.9552% | 4,158 |
| Total domestic deposits to total assets | 79.7116% | 3,924 |
| Equity capital to assets | 16.1979% | 446 |
| Core capital (leverage) ratio | 14.7314% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,860,250 | 2,638 |
| Average earning assets | $224,007,750 | 2,621 |
| Average equity | $39,439,250 | 2,035 |
| Average total loans | $120,896,250 | 2,986 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7562% | 3,973 |
| Cost of funding earning assets | 0.6163% | 2,884 |
| Net interest margin | 3.1398% | 3,810 |
| Noninterest income to average assets | 0.1441% | 4,585 |
| Noninterest expense to average assets | 2.1746% | 3,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7869% | 3,078 |
| Return on assets (ROA) | 0.7877% | 3,195 |
| Pretax return on assets | 0.9147% | 3,270 |
| Return on Equity (ROE) | 4.7382% | 3,903 |
| Retained earnings to average equity (ytd only) | 4.7382% | 2,590 |
| Net charge-offs to loans | -0.0016% | 3,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4113% | 1,905 |
| Assets per employee ($millions) | 6.6154% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 4,214 |
| Loan loss allowance to noncurrent loans | 43.8441% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 0.9327% | 1,316 |
| Noncurrent loans to loans | 1.9216% | 714 |
| Net loans and leases to total assets | 47.6039% | 4,278 |
| Net loans and leases to deposits | 60.0576% | 4,116 |
| Net loans and leases to core deposits | 62.8240% | 4,138 |
| Total domestic deposits to total assets | 79.2636% | 3,984 |
| Equity capital to assets | 16.5303% | 412 |
| Core capital (leverage) ratio | 15.1868% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1263% | 238 |
| Memoranda: | ||
| Average total assets | $234,619,667 | 2,643 |
| Average earning assets | $220,010,667 | 2,629 |
| Average equity | $39,002,000 | 2,039 |
| Average total loans | $121,920,000 | 2,954 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8516% | 4,126 |
| Cost of funding earning assets | 0.6457% | 3,187 |
| Net interest margin | 3.2060% | 3,839 |
| Noninterest income to average assets | 0.1411% | 4,658 |
| Noninterest expense to average assets | 2.2584% | 3,865 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7580% | 3,065 |
| Return on assets (ROA) | 0.7580% | 3,140 |
| Pretax return on assets | 0.8852% | 3,173 |
| Return on Equity (ROE) | 4.5463% | 3,804 |
| Retained earnings to average equity (ytd only) | 4.5463% | 2,482 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8404% | 2,099 |
| Assets per employee ($millions) | 6.6265% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7982% | 4,419 |
| Loan loss allowance to noncurrent loans | 39.9757% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.0775% | 1,211 |
| Noncurrent loans to loans | 1.9968% | 711 |
| Net loans and leases to total assets | 52.9955% | 4,056 |
| Net loans and leases to deposits | 67.0906% | 3,788 |
| Net loans and leases to core deposits | 70.2599% | 3,865 |
| Total domestic deposits to total assets | 78.9910% | 4,055 |
| Equity capital to assets | 16.7655% | 471 |
| Core capital (leverage) ratio | 15.6806% | 564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6117% | 272 |
| Memoranda: | ||
| Average total assets | $229,545,500 | 2,637 |
| Average earning assets | $214,975,000 | 2,617 |
| Average equity | $38,272,500 | 2,055 |
| Average total loans | $124,125,500 | 2,913 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2618% | 3,639 |
| Cost of funding earning assets | 0.6284% | 3,514 |
| Net interest margin | 3.6334% | 3,023 |
| Noninterest income to average assets | 0.1246% | 4,840 |
| Noninterest expense to average assets | 2.6529% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7328% | 3,756 |
| Return on assets (ROA) | 0.7419% | 3,800 |
| Pretax return on assets | 0.8760% | 3,811 |
| Return on Equity (ROE) | 4.6305% | 4,311 |
| Retained earnings to average equity (ytd only) | 4.6305% | 2,626 |
| Net charge-offs to loans | -0.0008% | 4,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4063% | 1,433 |
| Assets per employee ($millions) | 6.4903% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7953% | 4,314 |
| Loan loss allowance to noncurrent loans | 35.4353% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 1.2396% | 922 |
| Noncurrent loans to loans | 2.2445% | 545 |
| Net loans and leases to total assets | 54.3053% | 4,058 |
| Net loans and leases to deposits | 68.6097% | 3,766 |
| Net loans and leases to core deposits | 71.3957% | 3,886 |
| Total domestic deposits to total assets | 79.1510% | 4,161 |
| Equity capital to assets | 16.5789% | 518 |
| Core capital (leverage) ratio | 15.5055% | 590 |
| Tier 1 risk-based capital ratio | 31.0885% | 439 |
| Total risk-based capital ratio | 31.9576% | 444 |
| Memoranda: | ||
| Average total assets | $223,870,800 | 2,629 |
| Average earning assets | $209,090,600 | 2,611 |
| Average equity | $35,870,800 | 2,105 |
| Average total loans | $125,758,200 | 2,869 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3586% | 3,488 |
| Cost of funding earning assets | 0.6181% | 3,595 |
| Net interest margin | 3.7405% | 2,787 |
| Noninterest income to average assets | 0.1166% | 4,934 |
| Noninterest expense to average assets | 2.8693% | 2,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6216% | 4,237 |
| Return on assets (ROA) | 0.6336% | 4,253 |
| Pretax return on assets | 0.7526% | 4,236 |
| Return on Equity (ROE) | 3.9898% | 4,594 |
| Retained earnings to average equity (ytd only) | 3.9898% | 3,400 |
| Net charge-offs to loans | -0.0011% | 4,004 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5360% | 963 |
| Assets per employee ($millions) | 6.0544% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7932% | 4,425 |
| Loan loss allowance to noncurrent loans | 42.7583% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.0437% | 1,275 |
| Noncurrent loans to loans | 1.8551% | 757 |
| Net loans and leases to total assets | 55.2187% | 4,091 |
| Net loans and leases to deposits | 69.6655% | 3,786 |
| Net loans and leases to core deposits | 72.4186% | 3,921 |
| Total domestic deposits to total assets | 79.2626% | 4,130 |
| Equity capital to assets | 16.6496% | 532 |
| Core capital (leverage) ratio | 15.6003% | 622 |
| Tier 1 risk-based capital ratio | 28.5077% | 542 |
| Total risk-based capital ratio | 29.3184% | 552 |
| Memoranda: | ||
| Average total assets | $223,048,000 | 2,655 |
| Average earning assets | $208,164,000 | 2,645 |
| Average equity | $35,423,250 | 2,134 |
| Average total loans | $126,110,250 | 2,899 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2508% | 3,790 |
| Cost of funding earning assets | 0.6139% | 3,581 |
| Net interest margin | 3.6369% | 3,142 |
| Noninterest income to average assets | 0.0988% | 5,044 |
| Noninterest expense to average assets | 3.2228% | 1,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2458% | 4,941 |
| Return on assets (ROA) | 0.2658% | 4,933 |
| Pretax return on assets | 0.2864% | 4,947 |
| Return on Equity (ROE) | 1.7012% | 4,978 |
| Retained earnings to average equity (ytd only) | 1.7012% | 4,210 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4047% | 270 |
| Assets per employee ($millions) | 6.5262% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7690% | 4,549 |
| Loan loss allowance to noncurrent loans | 61.9436% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.7301% | 1,895 |
| Noncurrent loans to loans | 1.2414% | 1,283 |
| Net loans and leases to total assets | 57.4577% | 3,966 |
| Net loans and leases to deposits | 72.3050% | 3,662 |
| Net loans and leases to core deposits | 74.5287% | 3,860 |
| Total domestic deposits to total assets | 79.4657% | 4,136 |
| Equity capital to assets | 16.1403% | 597 |
| Core capital (leverage) ratio | 15.4588% | 627 |
| Tier 1 risk-based capital ratio | 27.9031% | 570 |
| Total risk-based capital ratio | 28.7136% | 579 |
| Memoranda: | ||
| Average total assets | $222,727,000 | 2,668 |
| Average earning assets | $207,537,000 | 2,664 |
| Average equity | $34,798,670 | 2,148 |
| Average total loans | $126,585,330 | 2,911 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3141% | 3,517 |
| Cost of funding earning assets | 0.6050% | 3,544 |
| Net interest margin | 3.7091% | 2,859 |
| Noninterest income to average assets | 0.0520% | 5,207 |
| Noninterest expense to average assets | 2.5132% | 3,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8246% | 3,531 |
| Return on assets (ROA) | 0.8246% | 3,574 |
| Pretax return on assets | 0.9895% | 3,477 |
| Return on Equity (ROE) | 5.3658% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.3658% | 2,751 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7503% | 2,071 |
| Assets per employee ($millions) | 6.6038% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 4,575 |
| Loan loss allowance to noncurrent loans | 50.4339% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 0.8836% | 1,597 |
| Noncurrent loans to loans | 1.5495% | 1,036 |
| Net loans and leases to total assets | 55.8694% | 4,073 |
| Net loans and leases to deposits | 71.1685% | 3,672 |
| Net loans and leases to core deposits | 73.1578% | 3,854 |
| Total domestic deposits to total assets | 78.5030% | 4,435 |
| Equity capital to assets | 15.6096% | 633 |
| Core capital (leverage) ratio | 15.3743% | 621 |
| Tier 1 risk-based capital ratio | 27.4247% | 592 |
| Total risk-based capital ratio | 28.2175% | 610 |
| Memoranda: | ||
| Average total assets | $223,144,500 | 2,698 |
| Average earning assets | $207,597,500 | 2,693 |
| Average equity | $34,291,000 | 2,173 |
| Average total loans | $125,637,000 | 2,953 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9192% | 4,234 |
| Cost of funding earning assets | 0.4555% | 3,643 |
| Net interest margin | 3.4637% | 3,824 |
| Noninterest income to average assets | 0.1170% | 5,089 |
| Noninterest expense to average assets | 2.3110% | 4,091 |
| Loan and lease loss provision to assets | 0.0546% | 3,078 |
| Net operating income to assets | 0.5875% | 4,452 |
| Return on assets (ROA) | 0.5479% | 4,549 |
| Pretax return on assets | 0.9230% | 3,836 |
| Return on Equity (ROE) | 3.6963% | 4,778 |
| Retained earnings to average equity (ytd only) | 3.6963% | 3,547 |
| Net charge-offs to loans | 0.1412% | 1,344 |
| Credit loss provision to net charge-offs | 71.4286% | 2,971 |
| Earnings coverage of net charge-offs (x) | 13.4405% | 2,457 |
| Efficiency ratio | 69.2203% | 2,340 |
| Assets per employee ($millions) | 6.7200% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7914% | 4,564 |
| Loan loss allowance to noncurrent loans | 43.8526% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.1030% | 1,218 |
| Noncurrent loans to loans | 1.8047% | 788 |
| Net loans and leases to total assets | 55.8509% | 4,145 |
| Net loans and leases to deposits | 69.9746% | 3,829 |
| Net loans and leases to core deposits | 71.4352% | 4,033 |
| Total domestic deposits to total assets | 79.8160% | 4,148 |
| Equity capital to assets | 15.1218% | 686 |
| Core capital (leverage) ratio | 15.2327% | 637 |
| Tier 1 risk-based capital ratio | 27.5376% | 590 |
| Total risk-based capital ratio | 28.3445% | 599 |
| Memoranda: | ||
| Average total assets | $219,728,800 | 2,695 |
| Average earning assets | $204,379,400 | 2,687 |
| Average equity | $32,573,000 | 2,182 |
| Average total loans | $118,954,800 | 3,006 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9130% | 4,182 |
| Cost of funding earning assets | 0.4309% | 3,660 |
| Net interest margin | 3.4821% | 3,756 |
| Noninterest income to average assets | 0.1040% | 5,200 |
| Noninterest expense to average assets | 2.3185% | 4,054 |
| Loan and lease loss provision to assets | 0.0547% | 2,877 |
| Net operating income to assets | 0.5127% | 4,732 |
| Return on assets (ROA) | 0.4598% | 4,848 |
| Pretax return on assets | 0.9032% | 4,011 |
| Return on Equity (ROE) | 3.1175% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.1175% | 4,189 |
| Net charge-offs to loans | 0.0034% | 3,348 |
| Credit loss provision to net charge-offs | 3,000.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 561.6525% | 162 |
| Efficiency ratio | 69.3469% | 2,298 |
| Assets per employee ($millions) | 6.6208% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 4,104 |
| Loan loss allowance to noncurrent loans | 43.6795% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 1.2431% | 1,118 |
| Noncurrent loans to loans | 2.1459% | 668 |
| Net loans and leases to total assets | 54.3236% | 4,340 |
| Net loans and leases to deposits | 67.1489% | 4,114 |
| Net loans and leases to core deposits | 68.7817% | 4,262 |
| Total domestic deposits to total assets | 80.9003% | 3,894 |
| Equity capital to assets | 14.7324% | 774 |
| Core capital (leverage) ratio | 15.1217% | 675 |
| Tier 1 risk-based capital ratio | 28.1423% | 561 |
| Total risk-based capital ratio | 29.0922% | 567 |
| Memoranda: | ||
| Average total assets | $219,221,000 | 2,716 |
| Average earning assets | $203,931,500 | 2,708 |
| Average equity | $32,332,750 | 2,197 |
| Average total loans | $117,482,750 | 3,050 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7751% | 4,400 |
| Cost of funding earning assets | 0.4115% | 3,640 |
| Net interest margin | 3.3636% | 4,066 |
| Noninterest income to average assets | 0.0956% | 5,280 |
| Noninterest expense to average assets | 2.3068% | 4,126 |
| Loan and lease loss provision to assets | 0.0546% | 2,812 |
| Net operating income to assets | 0.6994% | 4,195 |
| Return on assets (ROA) | 0.7149% | 4,161 |
| Pretax return on assets | 0.8797% | 4,026 |
| Return on Equity (ROE) | 4.8262% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.8262% | 3,164 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5941% | 2,069 |
| Assets per employee ($millions) | 6.6691% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9305% | 4,204 |
| Loan loss allowance to noncurrent loans | 25.1665% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 2.0447% | 519 |
| Noncurrent loans to loans | 3.6974% | 258 |
| Net loans and leases to total assets | 53.0221% | 4,409 |
| Net loans and leases to deposits | 64.7345% | 4,233 |
| Net loans and leases to core deposits | 66.2806% | 4,356 |
| Total domestic deposits to total assets | 81.9070% | 3,747 |
| Equity capital to assets | 14.7969% | 730 |
| Core capital (leverage) ratio | 15.2974% | 616 |
| Tier 1 risk-based capital ratio | 29.5159% | 492 |
| Total risk-based capital ratio | 30.4873% | 502 |
| Memoranda: | ||
| Average total assets | $219,615,670 | 2,733 |
| Average earning assets | $204,126,670 | 2,713 |
| Average equity | $32,530,670 | 2,193 |
| Average total loans | $116,706,330 | 3,077 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6735% | 4,529 |
| Cost of funding earning assets | 0.4001% | 3,582 |
| Net interest margin | 3.2734% | 4,256 |
| Noninterest income to average assets | 0.1477% | 5,126 |
| Noninterest expense to average assets | 2.2864% | 4,214 |
| Loan and lease loss provision to assets | 0.0547% | 2,672 |
| Net operating income to assets | 0.6855% | 4,154 |
| Return on assets (ROA) | 0.7166% | 4,055 |
| Pretax return on assets | 0.8879% | 3,883 |
| Return on Equity (ROE) | 4.8349% | 4,540 |
| Retained earnings to average equity (ytd only) | 4.8349% | 3,244 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6571% | 2,237 |
| Assets per employee ($millions) | 6.6171% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9188% | 4,362 |
| Loan loss allowance to noncurrent loans | 25.3628% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 1.9376% | 604 |
| Noncurrent loans to loans | 3.6226% | 284 |
| Net loans and leases to total assets | 52.6440% | 4,391 |
| Net loans and leases to deposits | 62.5033% | 4,301 |
| Net loans and leases to core deposits | 63.7985% | 4,436 |
| Total domestic deposits to total assets | 84.2260% | 3,227 |
| Equity capital to assets | 14.7689% | 723 |
| Core capital (leverage) ratio | 15.1665% | 620 |
| Tier 1 risk-based capital ratio | 30.0803% | 469 |
| Total risk-based capital ratio | 31.0546% | 469 |
| Memoranda: | ||
| Average total assets | $219,383,500 | 2,762 |
| Average earning assets | $203,949,000 | 2,751 |
| Average equity | $32,513,500 | 2,206 |
| Average total loans | $116,166,000 | 3,113 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4935% | 4,797 |
| Cost of funding earning assets | 0.4320% | 2,943 |
| Net interest margin | 3.0615% | 4,767 |
| Noninterest income to average assets | 0.1439% | 5,225 |
| Noninterest expense to average assets | 2.1552% | 4,635 |
| Loan and lease loss provision to assets | 0.0668% | 2,870 |
| Net operating income to assets | 0.5953% | 4,029 |
| Return on assets (ROA) | 0.5918% | 4,086 |
| Pretax return on assets | 0.7728% | 4,326 |
| Return on Equity (ROE) | 4.1675% | 4,458 |
| Retained earnings to average equity (ytd only) | 4.1675% | 2,666 |
| Net charge-offs to loans | 0.1010% | 2,061 |
| Credit loss provision to net charge-offs | 128.2051% | 2,052 |
| Earnings coverage of net charge-offs (x) | 16.1880% | 2,198 |
| Efficiency ratio | 71.8574% | 2,247 |
| Assets per employee ($millions) | 6.8876% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 4,520 |
| Loan loss allowance to noncurrent loans | 27.1133% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 1.7577% | 720 |
| Noncurrent loans to loans | 3.2852% | 315 |
| Net loans and leases to total assets | 52.3017% | 4,500 |
| Net loans and leases to deposits | 62.1537% | 4,437 |
| Net loans and leases to core deposits | 63.6114% | 4,557 |
| Total domestic deposits to total assets | 84.1490% | 3,146 |
| Equity capital to assets | 14.8715% | 707 |
| Core capital (leverage) ratio | 14.7749% | 666 |
| Tier 1 risk-based capital ratio | 29.9697% | 464 |
| Total risk-based capital ratio | 30.9246% | 465 |
| Memoranda: | ||
| Average total assets | $224,385,200 | 2,688 |
| Average earning assets | $209,276,000 | 2,676 |
| Average equity | $31,865,600 | 2,227 |
| Average total loans | $115,834,400 | 3,111 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4324% | 4,922 |
| Cost of funding earning assets | 0.4336% | 2,864 |
| Net interest margin | 2.9988% | 4,919 |
| Noninterest income to average assets | 0.1414% | 5,299 |
| Noninterest expense to average assets | 2.1173% | 4,698 |
| Loan and lease loss provision to assets | 0.0710% | 2,659 |
| Net operating income to assets | 0.5700% | 4,505 |
| Return on assets (ROA) | 0.5691% | 4,550 |
| Pretax return on assets | 0.7507% | 4,483 |
| Return on Equity (ROE) | 4.0541% | 4,839 |
| Retained earnings to average equity (ytd only) | 4.0541% | 3,506 |
| Net charge-offs to loans | 0.1348% | 1,445 |
| Credit loss provision to net charge-offs | 102.5641% | 2,234 |
| Earnings coverage of net charge-offs (x) | 11.8886% | 2,467 |
| Efficiency ratio | 72.0121% | 2,202 |
| Assets per employee ($millions) | 7.0300% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 4,744 |
| Loan loss allowance to noncurrent loans | 26.2800% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 1.7252% | 830 |
| Noncurrent loans to loans | 3.2482% | 360 |
| Net loans and leases to total assets | 51.9397% | 4,569 |
| Net loans and leases to deposits | 62.4157% | 4,487 |
| Net loans and leases to core deposits | 64.0424% | 4,604 |
| Total domestic deposits to total assets | 83.2158% | 3,389 |
| Equity capital to assets | 14.4594% | 865 |
| Core capital (leverage) ratio | 14.4119% | 789 |
| Tier 1 risk-based capital ratio | 29.7049% | 487 |
| Total risk-based capital ratio | 30.6344% | 495 |
| Memoranda: | ||
| Average total assets | $225,381,000 | 2,700 |
| Average earning assets | $210,343,250 | 2,677 |
| Average equity | $31,637,750 | 2,257 |
| Average total loans | $115,715,500 | 3,141 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4220% | 4,932 |
| Cost of funding earning assets | 0.4363% | 2,740 |
| Net interest margin | 2.9857% | 4,941 |
| Noninterest income to average assets | 0.1446% | 5,334 |
| Noninterest expense to average assets | 2.1382% | 4,698 |
| Loan and lease loss provision to assets | 0.0798% | 2,389 |
| Net operating income to assets | 0.5325% | 4,599 |
| Return on assets (ROA) | 0.5312% | 4,637 |
| Pretax return on assets | 0.7104% | 4,522 |
| Return on Equity (ROE) | 3.8225% | 4,870 |
| Retained earnings to average equity (ytd only) | 3.8225% | 3,415 |
| Net charge-offs to loans | 0.2035% | 993 |
| Credit loss provision to net charge-offs | 76.9231% | 2,295 |
| Earnings coverage of net charge-offs (x) | 7.6325% | 2,584 |
| Efficiency ratio | 72.9722% | 2,188 |
| Assets per employee ($millions) | 7.0148% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 4,819 |
| Loan loss allowance to noncurrent loans | 25.1482% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 1.8149% | 761 |
| Noncurrent loans to loans | 3.3757% | 356 |
| Net loans and leases to total assets | 50.7821% | 4,658 |
| Net loans and leases to deposits | 60.8893% | 4,568 |
| Net loans and leases to core deposits | 62.4764% | 4,695 |
| Total domestic deposits to total assets | 83.4007% | 3,426 |
| Equity capital to assets | 14.2957% | 882 |
| Core capital (leverage) ratio | 14.2016% | 802 |
| Tier 1 risk-based capital ratio | 30.0565% | 465 |
| Total risk-based capital ratio | 30.9794% | 472 |
| Memoranda: | ||
| Average total assets | $225,521,000 | 2,718 |
| Average earning assets | $210,400,670 | 2,695 |
| Average equity | $31,341,000 | 2,266 |
| Average total loans | $115,004,000 | 3,158 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3333% | 5,054 |
| Cost of funding earning assets | 0.4380% | 2,639 |
| Net interest margin | 2.8953% | 5,092 |
| Noninterest income to average assets | 0.1451% | 5,389 |
| Noninterest expense to average assets | 2.1288% | 4,796 |
| Loan and lease loss provision to assets | 0.0796% | 2,217 |
| Net operating income to assets | 0.4662% | 4,719 |
| Return on assets (ROA) | 0.4636% | 4,748 |
| Pretax return on assets | 0.6353% | 4,646 |
| Return on Equity (ROE) | 3.3843% | 4,993 |
| Retained earnings to average equity (ytd only) | 3.3843% | 3,744 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7669% | 2,101 |
| Assets per employee ($millions) | 6.9109% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 4,718 |
| Loan loss allowance to noncurrent loans | 24.3099% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 1.9293% | 698 |
| Noncurrent loans to loans | 3.7454% | 302 |
| Net loans and leases to total assets | 50.0103% | 4,668 |
| Net loans and leases to deposits | 60.7030% | 4,516 |
| Net loans and leases to core deposits | 62.3183% | 4,631 |
| Total domestic deposits to total assets | 82.3853% | 4,063 |
| Equity capital to assets | 13.6346% | 1,028 |
| Core capital (leverage) ratio | 13.9695% | 852 |
| Tier 1 risk-based capital ratio | 29.6712% | 491 |
| Total risk-based capital ratio | 30.6599% | 500 |
| Memoranda: | ||
| Average total assets | $226,045,000 | 2,739 |
| Average earning assets | $210,964,000 | 2,715 |
| Average equity | $30,966,500 | 2,297 |
| Average total loans | $115,022,000 | 3,181 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2807% | 5,188 |
| Cost of funding earning assets | 0.4732% | 2,325 |
| Net interest margin | 2.8075% | 5,274 |
| Noninterest income to average assets | 0.1261% | 5,555 |
| Noninterest expense to average assets | 2.1639% | 4,854 |
| Loan and lease loss provision to assets | 0.0814% | 2,730 |
| Net operating income to assets | 0.3100% | 5,198 |
| Return on assets (ROA) | 0.3421% | 5,184 |
| Pretax return on assets | 0.5559% | 4,907 |
| Return on Equity (ROE) | 2.4084% | 5,311 |
| Retained earnings to average equity (ytd only) | 2.4084% | 4,155 |
| Net charge-offs to loans | 0.0836% | 2,494 |
| Credit loss provision to net charge-offs | 187.5000% | 1,501 |
| Earnings coverage of net charge-offs (x) | 13.5313% | 2,362 |
| Efficiency ratio | 78.6594% | 1,599 |
| Assets per employee ($millions) | 6.5891% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8726% | 4,889 |
| Loan loss allowance to noncurrent loans | 22.5748% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 2.0528% | 657 |
| Noncurrent loans to loans | 3.8654% | 281 |
| Net loans and leases to total assets | 50.8590% | 4,703 |
| Net loans and leases to deposits | 61.2212% | 4,595 |
| Net loans and leases to core deposits | 62.8829% | 4,698 |
| Total domestic deposits to total assets | 83.0742% | 3,744 |
| Equity capital to assets | 13.7651% | 962 |
| Core capital (leverage) ratio | 14.1355% | 786 |
| Tier 1 risk-based capital ratio | 29.5850% | 495 |
| Total risk-based capital ratio | 30.5365% | 497 |
| Memoranda: | ||
| Average total assets | $221,264,000 | 2,751 |
| Average earning assets | $206,878,000 | 2,723 |
| Average equity | $31,431,400 | 2,257 |
| Average total loans | $114,878,800 | 3,142 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2839% | 5,237 |
| Cost of funding earning assets | 0.4826% | 2,234 |
| Net interest margin | 2.8013% | 5,356 |
| Noninterest income to average assets | 0.1082% | 5,677 |
| Noninterest expense to average assets | 2.1997% | 4,772 |
| Loan and lease loss provision to assets | 0.0816% | 2,573 |
| Net operating income to assets | 0.2658% | 5,359 |
| Return on assets (ROA) | 0.3161% | 5,335 |
| Pretax return on assets | 0.5265% | 5,065 |
| Return on Equity (ROE) | 2.2081% | 5,433 |
| Retained earnings to average equity (ytd only) | 2.2081% | 4,592 |
| Net charge-offs to loans | 0.0917% | 2,041 |
| Credit loss provision to net charge-offs | 170.8861% | 1,630 |
| Earnings coverage of net charge-offs (x) | 11.0887% | 2,528 |
| Efficiency ratio | 80.5980% | 1,360 |
| Assets per employee ($millions) | 6.6766% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 5,052 |
| Loan loss allowance to noncurrent loans | 19.0616% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 2.3924% | 587 |
| Noncurrent loans to loans | 4.4451% | 220 |
| Net loans and leases to total assets | 51.7844% | 4,672 |
| Net loans and leases to deposits | 61.2377% | 4,672 |
| Net loans and leases to core deposits | 63.2133% | 4,764 |
| Total domestic deposits to total assets | 84.5629% | 3,006 |
| Equity capital to assets | 14.4571% | 887 |
| Core capital (leverage) ratio | 14.1708% | 803 |
| Tier 1 risk-based capital ratio | 29.7951% | 488 |
| Total risk-based capital ratio | 30.7340% | 495 |
| Memoranda: | ||
| Average total assets | $220,572,250 | 2,762 |
| Average earning assets | $206,374,250 | 2,734 |
| Average equity | $31,579,750 | 2,263 |
| Average total loans | $114,862,750 | 3,154 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2755% | 5,333 |
| Cost of funding earning assets | 0.4912% | 2,177 |
| Net interest margin | 2.7843% | 5,450 |
| Noninterest income to average assets | 0.1650% | 5,494 |
| Noninterest expense to average assets | 2.2959% | 4,621 |
| Loan and lease loss provision to assets | 0.0816% | 2,506 |
| Net operating income to assets | 0.2946% | 5,345 |
| Return on assets (ROA) | 0.2946% | 5,427 |
| Pretax return on assets | 0.3925% | 5,355 |
| Return on Equity (ROE) | 2.0642% | 5,492 |
| Retained earnings to average equity (ytd only) | 2.0642% | 4,532 |
| Net charge-offs to loans | 0.1150% | 1,680 |
| Credit loss provision to net charge-offs | 136.3636% | 1,709 |
| Earnings coverage of net charge-offs (x) | 7.9242% | 2,571 |
| Efficiency ratio | 82.8861% | 1,165 |
| Assets per employee ($millions) | 6.3421% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8294% | 5,196 |
| Loan loss allowance to noncurrent loans | 17.7878% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 2.5616% | 529 |
| Noncurrent loans to loans | 4.6630% | 206 |
| Net loans and leases to total assets | 50.8476% | 4,779 |
| Net loans and leases to deposits | 60.0998% | 4,791 |
| Net loans and leases to core deposits | 62.0225% | 4,885 |
| Total domestic deposits to total assets | 84.6053% | 3,047 |
| Equity capital to assets | 14.4545% | 884 |
| Core capital (leverage) ratio | 13.9904% | 824 |
| Tier 1 risk-based capital ratio | 29.6430% | 514 |
| Total risk-based capital ratio | 30.5519% | 520 |
| Memoranda: | ||
| Average total assets | $220,654,000 | 2,767 |
| Average earning assets | $206,443,670 | 2,746 |
| Average equity | $31,488,670 | 2,274 |
| Average total loans | $114,793,670 | 3,163 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2860% | 5,342 |
| Cost of funding earning assets | 0.5016% | 2,090 |
| Net interest margin | 2.7843% | 5,493 |
| Noninterest income to average assets | 0.1673% | 5,490 |
| Noninterest expense to average assets | 2.3219% | 4,604 |
| Loan and lease loss provision to assets | 0.0818% | 2,312 |
| Net operating income to assets | 0.2746% | 5,367 |
| Return on assets (ROA) | 0.2746% | 5,443 |
| Pretax return on assets | 0.3673% | 5,365 |
| Return on Equity (ROE) | 1.9365% | 5,514 |
| Retained earnings to average equity (ytd only) | 1.9365% | 4,481 |
| Net charge-offs to loans | 0.0486% | 2,066 |
| Credit loss provision to net charge-offs | 321.4286% | 810 |
| Earnings coverage of net charge-offs (x) | 17.6429% | 1,567 |
| Efficiency ratio | 83.7927% | 1,179 |
| Assets per employee ($millions) | 5.9467% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8266% | 5,290 |
| Loan loss allowance to noncurrent loans | 16.9549% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 2.6506% | 537 |
| Noncurrent loans to loans | 4.8754% | 204 |
| Net loans and leases to total assets | 51.8554% | 4,640 |
| Net loans and leases to deposits | 61.1662% | 4,637 |
| Net loans and leases to core deposits | 63.1319% | 4,742 |
| Total domestic deposits to total assets | 84.7779% | 3,216 |
| Equity capital to assets | 14.3127% | 880 |
| Core capital (leverage) ratio | 13.9770% | 814 |
| Tier 1 risk-based capital ratio | 30.5227% | 482 |
| Total risk-based capital ratio | 31.4719% | 487 |
| Memoranda: | ||
| Average total assets | $219,994,500 | 2,778 |
| Average earning assets | $205,722,000 | 2,761 |
| Average equity | $31,190,500 | 2,291 |
| Average total loans | $115,284,500 | 3,156 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3021% | 5,348 |
| Cost of funding earning assets | 0.5456% | 1,804 |
| Net interest margin | 2.7566% | 5,587 |
| Noninterest income to average assets | 0.1239% | 5,794 |
| Noninterest expense to average assets | 2.2988% | 4,790 |
| Loan and lease loss provision to assets | 0.0811% | 2,667 |
| Net operating income to assets | 0.2479% | 5,486 |
| Return on assets (ROA) | 0.2479% | 5,556 |
| Pretax return on assets | 0.3308% | 5,456 |
| Return on Equity (ROE) | 1.7752% | 5,629 |
| Retained earnings to average equity (ytd only) | 1.7752% | 4,719 |
| Net charge-offs to loans | 0.1222% | 2,151 |
| Credit loss provision to net charge-offs | 130.4348% | 2,004 |
| Earnings coverage of net charge-offs (x) | 6.6232% | 3,197 |
| Efficiency ratio | 84.8047% | 1,111 |
| Assets per employee ($millions) | 6.1100% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7955% | 5,419 |
| Loan loss allowance to noncurrent loans | 18.1119% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 2.3863% | 663 |
| Noncurrent loans to loans | 4.3923% | 248 |
| Net loans and leases to total assets | 52.1013% | 4,686 |
| Net loans and leases to deposits | 61.2544% | 4,687 |
| Net loans and leases to core deposits | 63.2116% | 4,783 |
| Total domestic deposits to total assets | 85.0573% | 3,063 |
| Equity capital to assets | 14.0430% | 915 |
| Core capital (leverage) ratio | 13.8083% | 872 |
| Tier 1 risk-based capital ratio | 30.1903% | 496 |
| Total risk-based capital ratio | 31.1020% | 502 |
| Memoranda: | ||
| Average total assets | $221,902,400 | 2,733 |
| Average earning assets | $208,230,000 | 2,687 |
| Average equity | $30,982,800 | 2,251 |
| Average total loans | $112,907,400 | 3,153 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2947% | 5,420 |
| Cost of funding earning assets | 0.5521% | 1,785 |
| Net interest margin | 2.7426% | 5,674 |
| Noninterest income to average assets | 0.1139% | 5,900 |
| Noninterest expense to average assets | 2.2962% | 4,788 |
| Loan and lease loss provision to assets | 0.0809% | 2,553 |
| Net operating income to assets | 0.2344% | 5,605 |
| Return on assets (ROA) | 0.2344% | 5,679 |
| Pretax return on assets | 0.3130% | 5,623 |
| Return on Equity (ROE) | 1.6813% | 5,737 |
| Retained earnings to average equity (ytd only) | 1.6813% | 5,030 |
| Net charge-offs to loans | 0.1128% | 1,998 |
| Credit loss provision to net charge-offs | 142.1053% | 1,753 |
| Earnings coverage of net charge-offs (x) | 6.9160% | 2,979 |
| Efficiency ratio | 85.3577% | 1,051 |
| Assets per employee ($millions) | 6.1276% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8034% | 5,507 |
| Loan loss allowance to noncurrent loans | 16.8908% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 2.5531% | 665 |
| Noncurrent loans to loans | 4.7564% | 229 |
| Net loans and leases to total assets | 51.3271% | 4,823 |
| Net loans and leases to deposits | 60.4390% | 4,825 |
| Net loans and leases to core deposits | 62.4798% | 4,906 |
| Total domestic deposits to total assets | 84.9238% | 3,044 |
| Equity capital to assets | 14.1437% | 965 |
| Core capital (leverage) ratio | 13.7114% | 941 |
| Tier 1 risk-based capital ratio | 29.6179% | 544 |
| Total risk-based capital ratio | 30.5151% | 552 |
| Memoranda: | ||
| Average total assets | $222,388,000 | 2,753 |
| Average earning assets | $208,894,500 | 2,709 |
| Average equity | $31,006,250 | 2,268 |
| Average total loans | $112,254,000 | 3,196 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2912% | 5,454 |
| Cost of funding earning assets | 0.5566% | 1,764 |
| Net interest margin | 2.7345% | 5,730 |
| Noninterest income to average assets | 0.1031% | 6,017 |
| Noninterest expense to average assets | 2.2136% | 5,074 |
| Loan and lease loss provision to assets | 0.0807% | 2,496 |
| Net operating income to assets | 0.2233% | 5,639 |
| Return on assets (ROA) | 0.2233% | 5,712 |
| Pretax return on assets | 0.3776% | 5,519 |
| Return on Equity (ROE) | 1.6095% | 5,775 |
| Retained earnings to average equity (ytd only) | 1.6095% | 4,894 |
| Net charge-offs to loans | 0.0269% | 3,140 |
| Credit loss provision to net charge-offs | 600.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 34.0667% | 1,252 |
| Efficiency ratio | 82.8466% | 1,394 |
| Assets per employee ($millions) | 6.2229% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 5,553 |
| Loan loss allowance to noncurrent loans | 16.6114% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 2.7122% | 663 |
| Noncurrent loans to loans | 4.9212% | 237 |
| Net loans and leases to total assets | 51.5579% | 4,798 |
| Net loans and leases to deposits | 61.4839% | 4,735 |
| Net loans and leases to core deposits | 63.6215% | 4,837 |
| Total domestic deposits to total assets | 83.8559% | 3,629 |
| Equity capital to assets | 13.7015% | 1,091 |
| Core capital (leverage) ratio | 13.4654% | 995 |
| Tier 1 risk-based capital ratio | 29.5760% | 563 |
| Total risk-based capital ratio | 30.5105% | 569 |
| Memoranda: | ||
| Average total assets | $222,986,330 | 2,768 |
| Average earning assets | $209,468,670 | 2,715 |
| Average equity | $30,941,670 | 2,283 |
| Average total loans | $111,625,000 | 3,221 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3197% | 5,405 |
| Cost of funding earning assets | 0.5724% | 1,636 |
| Net interest margin | 2.7473% | 5,744 |
| Noninterest income to average assets | 0.1169% | 6,014 |
| Noninterest expense to average assets | 2.2385% | 5,046 |
| Loan and lease loss provision to assets | 0.0809% | 2,351 |
| Net operating income to assets | 0.2248% | 5,620 |
| Return on assets (ROA) | 0.2248% | 5,712 |
| Pretax return on assets | 0.3776% | 5,474 |
| Return on Equity (ROE) | 1.6095% | 5,778 |
| Retained earnings to average equity (ytd only) | 1.6095% | 4,834 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0000% | 1,495 |
| Assets per employee ($millions) | 6.3442% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8628% | 5,535 |
| Loan loss allowance to noncurrent loans | 13.8314% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 3.1764% | 563 |
| Noncurrent loans to loans | 6.2377% | 169 |
| Net loans and leases to total assets | 47.7131% | 5,065 |
| Net loans and leases to deposits | 56.1363% | 5,039 |
| Net loans and leases to core deposits | 58.0887% | 5,119 |
| Total domestic deposits to total assets | 84.9950% | 3,407 |
| Equity capital to assets | 14.0611% | 965 |
| Core capital (leverage) ratio | 13.6256% | 931 |
| Tier 1 risk-based capital ratio | 30.4335% | 519 |
| Total risk-based capital ratio | 31.3687% | 528 |
| Memoranda: | ||
| Average total assets | $222,466,500 | 2,786 |
| Average earning assets | $208,934,500 | 2,741 |
| Average equity | $31,065,000 | 2,288 |
| Average total loans | $109,210,000 | 3,273 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4169% | 5,500 |
| Cost of funding earning assets | 0.6393% | 1,481 |
| Net interest margin | 2.7776% | 5,843 |
| Noninterest income to average assets | -0.0152% | 6,415 |
| Noninterest expense to average assets | 2.2145% | 5,315 |
| Loan and lease loss provision to assets | 0.1210% | 2,158 |
| Net operating income to assets | 0.2019% | 5,758 |
| Return on assets (ROA) | 0.2231% | 5,785 |
| Pretax return on assets | 0.2975% | 5,705 |
| Return on Equity (ROE) | 1.6318% | 5,855 |
| Retained earnings to average equity (ytd only) | 1.6318% | 5,002 |
| Net charge-offs to loans | 0.2834% | 1,531 |
| Credit loss provision to net charge-offs | 94.4056% | 2,549 |
| Earnings coverage of net charge-offs (x) | 3.0455% | 3,993 |
| Efficiency ratio | 85.0189% | 1,279 |
| Assets per employee ($millions) | 6.3682% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7862% | 5,811 |
| Loan loss allowance to noncurrent loans | 15.8504% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 2.6821% | 831 |
| Noncurrent loans to loans | 4.9600% | 302 |
| Net loans and leases to total assets | 49.6557% | 5,003 |
| Net loans and leases to deposits | 58.2579% | 5,048 |
| Net loans and leases to core deposits | 60.3909% | 5,110 |
| Total domestic deposits to total assets | 85.2342% | 3,194 |
| Equity capital to assets | 13.8671% | 1,008 |
| Core capital (leverage) ratio | 13.4059% | 1,001 |
| Tier 1 risk-based capital ratio | 29.2074% | 546 |
| Total risk-based capital ratio | 30.0724% | 560 |
| Memoranda: | ||
| Average total assets | $223,210,800 | 2,749 |
| Average earning assets | $210,544,200 | 2,703 |
| Average equity | $30,518,800 | 2,243 |
| Average total loans | $100,921,200 | 3,399 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4162% | 5,562 |
| Cost of funding earning assets | 0.6487% | 1,465 |
| Net interest margin | 2.7675% | 5,910 |
| Noninterest income to average assets | 0.0394% | 6,409 |
| Noninterest expense to average assets | 2.2398% | 5,254 |
| Loan and lease loss provision to assets | 0.1343% | 1,859 |
| Net operating income to assets | 0.2090% | 5,834 |
| Return on assets (ROA) | 0.2090% | 5,886 |
| Pretax return on assets | 0.2789% | 5,810 |
| Return on Equity (ROE) | 1.5340% | 5,941 |
| Retained earnings to average equity (ytd only) | 1.5340% | 5,274 |
| Net charge-offs to loans | 0.3704% | 1,082 |
| Credit loss provision to net charge-offs | 82.4176% | 2,551 |
| Earnings coverage of net charge-offs (x) | 2.5348% | 3,889 |
| Efficiency ratio | 84.4249% | 1,341 |
| Assets per employee ($millions) | 6.4034% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7872% | 5,901 |
| Loan loss allowance to noncurrent loans | 19.2002% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 2.3287% | 1,168 |
| Noncurrent loans to loans | 4.1002% | 502 |
| Net loans and leases to total assets | 47.5152% | 5,243 |
| Net loans and leases to deposits | 56.5497% | 5,203 |
| Net loans and leases to core deposits | 58.6188% | 5,295 |
| Total domestic deposits to total assets | 84.0237% | 3,748 |
| Equity capital to assets | 13.7177% | 1,103 |
| Core capital (leverage) ratio | 13.2661% | 1,079 |
| Tier 1 risk-based capital ratio | 29.7543% | 539 |
| Total risk-based capital ratio | 30.6080% | 541 |
| Memoranda: | ||
| Average total assets | $223,291,750 | 2,771 |
| Average earning assets | $210,874,500 | 2,720 |
| Average equity | $30,421,500 | 2,262 |
| Average total loans | $98,263,250 | 3,483 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4302% | 5,558 |
| Cost of funding earning assets | 0.6591% | 1,442 |
| Net interest margin | 2.7711% | 5,961 |
| Noninterest income to average assets | 0.1139% | 6,225 |
| Noninterest expense to average assets | 2.2617% | 5,247 |
| Loan and lease loss provision to assets | 0.1345% | 1,839 |
| Net operating income to assets | 0.2538% | 5,700 |
| Return on assets (ROA) | 0.2538% | 5,779 |
| Pretax return on assets | 0.3381% | 5,705 |
| Return on Equity (ROE) | 1.8671% | 5,874 |
| Retained earnings to average equity (ytd only) | 1.8671% | 4,955 |
| Net charge-offs to loans | 0.3906% | 1,035 |
| Credit loss provision to net charge-offs | 80.6452% | 2,320 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 3,455 |
| Efficiency ratio | 82.7156% | 1,667 |
| Assets per employee ($millions) | 6.3739% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 5,709 |
| Loan loss allowance to noncurrent loans | 20.0421% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 2.3798% | 1,221 |
| Noncurrent loans to loans | 4.5143% | 486 |
| Net loans and leases to total assets | 42.0753% | 5,673 |
| Net loans and leases to deposits | 49.3751% | 5,684 |
| Net loans and leases to core deposits | 51.0991% | 5,730 |
| Total domestic deposits to total assets | 85.2156% | 3,403 |
| Equity capital to assets | 13.8552% | 1,032 |
| Core capital (leverage) ratio | 13.2976% | 1,050 |
| Tier 1 risk-based capital ratio | 31.6592% | 458 |
| Total risk-based capital ratio | 32.5824% | 466 |
| Memoranda: | ||
| Average total assets | $223,015,670 | 2,788 |
| Average earning assets | $210,891,330 | 2,729 |
| Average equity | $30,314,000 | 2,258 |
| Average total loans | $95,239,000 | 3,562 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4828% | 5,472 |
| Cost of funding earning assets | 0.6726% | 1,425 |
| Net interest margin | 2.8102% | 5,914 |
| Noninterest income to average assets | 0.1005% | 6,334 |
| Noninterest expense to average assets | 2.2244% | 5,400 |
| Loan and lease loss provision to assets | 0.1345% | 1,802 |
| Net operating income to assets | 0.2960% | 5,505 |
| Return on assets (ROA) | 0.2960% | 5,546 |
| Pretax return on assets | 0.3947% | 5,475 |
| Return on Equity (ROE) | 2.1988% | 5,737 |
| Retained earnings to average equity (ytd only) | 2.1988% | 4,726 |
| Net charge-offs to loans | 0.2681% | 1,271 |
| Credit loss provision to net charge-offs | 117.1875% | 1,484 |
| Earnings coverage of net charge-offs (x) | 4.6094% | 2,502 |
| Efficiency ratio | 80.7818% | 2,085 |
| Assets per employee ($millions) | 6.3679% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 5,686 |
| Loan loss allowance to noncurrent loans | 19.5375% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 2.6571% | 1,159 |
| Noncurrent loans to loans | 4.8867% | 467 |
| Net loans and leases to total assets | 42.0781% | 5,662 |
| Net loans and leases to deposits | 49.2684% | 5,648 |
| Net loans and leases to core deposits | 50.9073% | 5,697 |
| Total domestic deposits to total assets | 85.4058% | 3,669 |
| Equity capital to assets | 13.6170% | 1,068 |
| Core capital (leverage) ratio | 13.2571% | 1,065 |
| Tier 1 risk-based capital ratio | 31.4849% | 467 |
| Total risk-based capital ratio | 32.4578% | 472 |
| Memoranda: | ||
| Average total assets | $222,980,500 | 2,796 |
| Average earning assets | $210,519,500 | 2,748 |
| Average equity | $30,016,500 | 2,273 |
| Average total loans | $95,498,000 | 3,569 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5315% | 5,577 |
| Cost of funding earning assets | 0.7714% | 1,365 |
| Net interest margin | 2.7601% | 6,046 |
| Noninterest income to average assets | -0.0093% | 6,671 |
| Noninterest expense to average assets | 2.1928% | 5,647 |
| Loan and lease loss provision to assets | 0.1853% | 1,986 |
| Net operating income to assets | 0.1594% | 5,921 |
| Return on assets (ROA) | 0.1531% | 5,999 |
| Pretax return on assets | 0.2043% | 5,928 |
| Return on Equity (ROE) | 1.1318% | 6,059 |
| Retained earnings to average equity (ytd only) | 1.1318% | 5,319 |
| Net charge-offs to loans | 0.3744% | 1,802 |
| Credit loss provision to net charge-offs | 114.7541% | 2,105 |
| Earnings coverage of net charge-offs (x) | 2.4645% | 4,189 |
| Efficiency ratio | 84.6390% | 1,556 |
| Assets per employee ($millions) | 6.1968% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9272% | 5,831 |
| Loan loss allowance to noncurrent loans | 18.8835% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 2.7442% | 1,211 |
| Noncurrent loans to loans | 4.9102% | 526 |
| Net loans and leases to total assets | 42.7716% | 5,769 |
| Net loans and leases to deposits | 49.8727% | 5,780 |
| Net loans and leases to core deposits | 51.4472% | 5,841 |
| Total domestic deposits to total assets | 85.7615% | 3,384 |
| Equity capital to assets | 13.3061% | 1,137 |
| Core capital (leverage) ratio | 13.1708% | 1,069 |
| Tier 1 risk-based capital ratio | 30.7936% | 474 |
| Total risk-based capital ratio | 31.7379% | 478 |
| Memoranda: | ||
| Average total assets | $226,655,000 | 2,750 |
| Average earning assets | $213,507,800 | 2,683 |
| Average equity | $30,659,800 | 2,217 |
| Average total loans | $97,747,200 | 3,509 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5513% | 5,575 |
| Cost of funding earning assets | 0.7845% | 1,408 |
| Net interest margin | 2.7668% | 6,067 |
| Noninterest income to average assets | -0.0041% | 6,764 |
| Noninterest expense to average assets | 2.1891% | 5,631 |
| Loan and lease loss provision to assets | 0.2022% | 1,796 |
| Net operating income to assets | 0.1578% | 6,024 |
| Return on assets (ROA) | 0.1494% | 6,107 |
| Pretax return on assets | 0.1992% | 6,043 |
| Return on Equity (ROE) | 1.1002% | 6,158 |
| Retained earnings to average equity (ytd only) | 1.1002% | 5,534 |
| Net charge-offs to loans | 0.2446% | 2,348 |
| Credit loss provision to net charge-offs | 191.6667% | 1,258 |
| Earnings coverage of net charge-offs (x) | 3.9112% | 3,585 |
| Efficiency ratio | 84.1441% | 1,572 |
| Assets per employee ($millions) | 6.2514% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 5,559 |
| Loan loss allowance to noncurrent loans | 22.4157% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 2.8420% | 1,310 |
| Noncurrent loans to loans | 4.6373% | 687 |
| Net loans and leases to total assets | 42.4717% | 5,862 |
| Net loans and leases to deposits | 49.6881% | 5,857 |
| Net loans and leases to core deposits | 51.3410% | 5,929 |
| Total domestic deposits to total assets | 85.4766% | 3,505 |
| Equity capital to assets | 13.5307% | 1,106 |
| Core capital (leverage) ratio | 13.0148% | 1,197 |
| Tier 1 risk-based capital ratio | 31.0581% | 473 |
| Total risk-based capital ratio | 32.1227% | 474 |
| Memoranda: | ||
| Average total assets | $227,547,500 | 2,766 |
| Average earning assets | $214,300,750 | 2,690 |
| Average equity | $30,903,750 | 2,220 |
| Average total loans | $98,106,500 | 3,522 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5876% | 5,476 |
| Cost of funding earning assets | 0.8026% | 1,396 |
| Net interest margin | 2.7850% | 6,037 |
| Noninterest income to average assets | 0.0902% | 6,556 |
| Noninterest expense to average assets | 2.2016% | 5,624 |
| Loan and lease loss provision to assets | 0.2364% | 1,572 |
| Net operating income to assets | 0.2034% | 5,876 |
| Return on assets (ROA) | 0.1909% | 6,048 |
| Pretax return on assets | 0.2548% | 5,993 |
| Return on Equity (ROE) | 1.4040% | 6,118 |
| Retained earnings to average equity (ytd only) | 1.4040% | 5,318 |
| Net charge-offs to loans | 0.3529% | 1,782 |
| Credit loss provision to net charge-offs | 155.1724% | 1,485 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 3,423 |
| Efficiency ratio | 81.2540% | 1,999 |
| Assets per employee ($millions) | 6.3092% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 5,930 |
| Loan loss allowance to noncurrent loans | 19.3542% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 3.2660% | 1,211 |
| Noncurrent loans to loans | 5.0120% | 641 |
| Net loans and leases to total assets | 42.0255% | 5,899 |
| Net loans and leases to deposits | 49.1286% | 5,913 |
| Net loans and leases to core deposits | 50.7383% | 5,981 |
| Total domestic deposits to total assets | 85.5418% | 3,620 |
| Equity capital to assets | 13.4605% | 1,156 |
| Core capital (leverage) ratio | 12.8794% | 1,212 |
| Tier 1 risk-based capital ratio | 30.4266% | 501 |
| Total risk-based capital ratio | 31.3991% | 508 |
| Memoranda: | ||
| Average total assets | $228,379,670 | 2,766 |
| Average earning assets | $214,794,000 | 2,694 |
| Average equity | $31,054,670 | 2,216 |
| Average total loans | $98,613,000 | 3,530 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5001% | 5,706 |
| Cost of funding earning assets | 0.8290% | 1,373 |
| Net interest margin | 2.6711% | 6,266 |
| Noninterest income to average assets | 0.0472% | 6,744 |
| Noninterest expense to average assets | 2.1327% | 5,838 |
| Loan and lease loss provision to assets | 0.2358% | 1,546 |
| Net operating income to assets | 0.1415% | 6,066 |
| Return on assets (ROA) | 0.1415% | 6,160 |
| Pretax return on assets | 0.1886% | 6,100 |
| Return on Equity (ROE) | 1.0353% | 6,215 |
| Retained earnings to average equity (ytd only) | 1.0353% | 5,437 |
| Net charge-offs to loans | 0.5295% | 1,137 |
| Credit loss provision to net charge-offs | 102.2727% | 1,791 |
| Earnings coverage of net charge-offs (x) | 1.8409% | 3,224 |
| Efficiency ratio | 83.4016% | 1,844 |
| Assets per employee ($millions) | 6.3714% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 6,371 |
| Loan loss allowance to noncurrent loans | 19.0025% | 6,364 |
| Noncurrent assets plus other real estate owned to assets | 3.1582% | 1,385 |
| Noncurrent loans to loans | 4.4623% | 941 |
| Net loans and leases to total assets | 42.9248% | 5,766 |
| Net loans and leases to deposits | 50.3552% | 5,762 |
| Net loans and leases to core deposits | 52.1933% | 5,806 |
| Total domestic deposits to total assets | 85.2440% | 3,932 |
| Equity capital to assets | 13.6403% | 1,163 |
| Core capital (leverage) ratio | 12.6938% | 1,253 |
| Tier 1 risk-based capital ratio | 29.6036% | 555 |
| Total risk-based capital ratio | 30.4597% | 563 |
| Memoranda: | ||
| Average total assets | $229,004,000 | 2,787 |
| Average earning assets | $215,196,000 | 2,714 |
| Average equity | $31,295,500 | 2,223 |
| Average total loans | $99,725,500 | 3,511 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 5,621 |
| Cost of funding earning assets | 0.9982% | 1,371 |
| Net interest margin | 2.8858% | 6,248 |
| Noninterest income to average assets | 0.0343% | 6,736 |
| Noninterest expense to average assets | 2.3188% | 5,641 |
| Loan and lease loss provision to assets | 0.2377% | 2,757 |
| Net operating income to assets | 0.1325% | 5,935 |
| Return on assets (ROA) | 0.1021% | 6,152 |
| Pretax return on assets | 0.1435% | 6,080 |
| Return on Equity (ROE) | 0.7447% | 6,179 |
| Retained earnings to average equity (ytd only) | 0.7447% | 5,488 |
| Net charge-offs to loans | 0.3669% | 2,798 |
| Credit loss provision to net charge-offs | 141.7323% | 1,935 |
| Earnings coverage of net charge-offs (x) | 2.5276% | 4,154 |
| Efficiency ratio | 84.5425% | 1,567 |
| Assets per employee ($millions) | 6.1794% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8377% | 6,414 |
| Loan loss allowance to noncurrent loans | 17.9082% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 3.2584% | 1,416 |
| Noncurrent loans to loans | 4.6779% | 891 |
| Net loans and leases to total assets | 43.4370% | 5,868 |
| Net loans and leases to deposits | 51.0494% | 5,881 |
| Net loans and leases to core deposits | 52.8905% | 5,951 |
| Total domestic deposits to total assets | 85.0882% | 3,822 |
| Equity capital to assets | 13.6916% | 1,160 |
| Core capital (leverage) ratio | 12.6992% | 1,239 |
| Tier 1 risk-based capital ratio | 29.2170% | 545 |
| Total risk-based capital ratio | 30.0613% | 560 |
| Memoranda: | ||
| Average total assets | $227,139,000 | 2,762 |
| Average earning assets | $213,185,200 | 2,699 |
| Average equity | $31,152,600 | 2,190 |
| Average total loans | $103,837,400 | 3,435 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9523% | 5,653 |
| Cost of funding earning assets | 1.0282% | 1,404 |
| Net interest margin | 2.9241% | 6,311 |
| Noninterest income to average assets | -0.0053% | 6,956 |
| Noninterest expense to average assets | 2.3436% | 5,564 |
| Loan and lease loss provision to assets | 0.2381% | 2,669 |
| Net operating income to assets | 0.1064% | 6,116 |
| Return on assets (ROA) | 0.0676% | 6,319 |
| Pretax return on assets | 0.1000% | 6,275 |
| Return on Equity (ROE) | 0.4928% | 6,338 |
| Retained earnings to average equity (ytd only) | 0.4928% | 5,941 |
| Net charge-offs to loans | 0.4620% | 2,252 |
| Credit loss provision to net charge-offs | 111.5702% | 2,625 |
| Earnings coverage of net charge-offs (x) | 1.8512% | 4,337 |
| Efficiency ratio | 85.5732% | 1,421 |
| Assets per employee ($millions) | 6.0000% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6985% | 6,751 |
| Loan loss allowance to noncurrent loans | 17.7134% | 6,546 |
| Noncurrent assets plus other real estate owned to assets | 2.8798% | 1,820 |
| Noncurrent loans to loans | 3.9435% | 1,310 |
| Net loans and leases to total assets | 45.0167% | 5,869 |
| Net loans and leases to deposits | 53.0196% | 5,888 |
| Net loans and leases to core deposits | 55.0152% | 5,966 |
| Total domestic deposits to total assets | 84.9057% | 3,784 |
| Equity capital to assets | 13.7829% | 1,239 |
| Core capital (leverage) ratio | 12.6833% | 1,328 |
| Tier 1 risk-based capital ratio | 28.9215% | 591 |
| Total risk-based capital ratio | 29.6436% | 607 |
| Memoranda: | ||
| Average total assets | $226,764,500 | 2,786 |
| Average earning assets | $212,800,750 | 2,723 |
| Average equity | $31,114,750 | 2,212 |
| Average total loans | $104,758,750 | 3,438 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 5,590 |
| Cost of funding earning assets | 1.0555% | 1,432 |
| Net interest margin | 2.9640% | 6,310 |
| Noninterest income to average assets | 0.0760% | 6,766 |
| Noninterest expense to average assets | 2.3724% | 5,558 |
| Loan and lease loss provision to assets | 0.2386% | 2,682 |
| Net operating income to assets | 0.1079% | 6,137 |
| Return on assets (ROA) | 0.0530% | 6,389 |
| Pretax return on assets | 0.1582% | 6,214 |
| Return on Equity (ROE) | 0.3870% | 6,406 |
| Retained earnings to average equity (ytd only) | 0.3870% | 5,914 |
| Net charge-offs to loans | 0.3839% | 2,483 |
| Credit loss provision to net charge-offs | 133.6634% | 2,055 |
| Earnings coverage of net charge-offs (x) | 2.7030% | 3,659 |
| Efficiency ratio | 83.1012% | 1,737 |
| Assets per employee ($millions) | 5.9944% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7167% | 6,808 |
| Loan loss allowance to noncurrent loans | 15.8039% | 6,626 |
| Noncurrent assets plus other real estate owned to assets | 3.3321% | 1,618 |
| Noncurrent loans to loans | 4.5349% | 1,162 |
| Net loans and leases to total assets | 45.4905% | 5,863 |
| Net loans and leases to deposits | 53.4476% | 5,916 |
| Net loans and leases to core deposits | 55.3762% | 5,991 |
| Total domestic deposits to total assets | 85.1123% | 3,808 |
| Equity capital to assets | 13.6633% | 1,236 |
| Core capital (leverage) ratio | 12.6711% | 1,281 |
| Tier 1 risk-based capital ratio | 28.7752% | 589 |
| Total risk-based capital ratio | 29.5210% | 611 |
| Memoranda: | ||
| Average total assets | $226,352,670 | 2,797 |
| Average earning assets | $212,214,330 | 2,733 |
| Average equity | $31,011,330 | 2,204 |
| Average total loans | $105,225,000 | 3,456 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1413% | 5,312 |
| Cost of funding earning assets | 1.0826% | 1,487 |
| Net interest margin | 3.0587% | 6,161 |
| Noninterest income to average assets | 0.0993% | 6,751 |
| Noninterest expense to average assets | 2.4003% | 5,465 |
| Loan and lease loss provision to assets | 0.2393% | 2,553 |
| Net operating income to assets | 0.2269% | 5,899 |
| Return on assets (ROA) | 0.2269% | 6,044 |
| Pretax return on assets | 0.3244% | 5,920 |
| Return on Equity (ROE) | 1.6540% | 6,174 |
| Retained earnings to average equity (ytd only) | 1.6540% | 5,408 |
| Net charge-offs to loans | 0.2991% | 2,463 |
| Credit loss provision to net charge-offs | 170.8861% | 1,495 |
| Earnings coverage of net charge-offs (x) | 4.0253% | 2,690 |
| Efficiency ratio | 80.9809% | 2,080 |
| Assets per employee ($millions) | 5.8531% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7000% | 6,872 |
| Loan loss allowance to noncurrent loans | 14.6497% | 6,695 |
| Noncurrent assets plus other real estate owned to assets | 3.4385% | 1,675 |
| Noncurrent loans to loans | 4.7780% | 1,194 |
| Net loans and leases to total assets | 45.7410% | 5,810 |
| Net loans and leases to deposits | 53.7029% | 5,839 |
| Net loans and leases to core deposits | 55.7000% | 5,930 |
| Total domestic deposits to total assets | 85.1741% | 3,952 |
| Equity capital to assets | 13.6019% | 1,199 |
| Core capital (leverage) ratio | 12.6311% | 1,272 |
| Tier 1 risk-based capital ratio | 28.5246% | 600 |
| Total risk-based capital ratio | 29.2528% | 627 |
| Memoranda: | ||
| Average total assets | $225,636,000 | 2,822 |
| Average earning assets | $211,335,000 | 2,755 |
| Average equity | $30,955,500 | 2,208 |
| Average total loans | $105,653,000 | 3,466 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 5,702 |
| Cost of funding earning assets | 1.2274% | 1,854 |
| Net interest margin | 3.0922% | 6,364 |
| Noninterest income to average assets | 0.1182% | 6,554 |
| Noninterest expense to average assets | 2.2891% | 6,067 |
| Loan and lease loss provision to assets | 0.1223% | 5,075 |
| Net operating income to assets | 0.4498% | 4,643 |
| Return on assets (ROA) | 0.4498% | 4,852 |
| Pretax return on assets | 0.6427% | 4,545 |
| Return on Equity (ROE) | 3.2933% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.2933% | 3,881 |
| Net charge-offs to loans | 0.8214% | 2,106 |
| Credit loss provision to net charge-offs | 30.2691% | 5,779 |
| Earnings coverage of net charge-offs (x) | 1.8935% | 4,357 |
| Efficiency ratio | 74.9518% | 3,066 |
| Assets per employee ($millions) | 5.8685% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6406% | 6,973 |
| Loan loss allowance to noncurrent loans | 32.8502% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 2.2785% | 2,651 |
| Noncurrent loans to loans | 1.9499% | 3,272 |
| Net loans and leases to total assets | 47.2987% | 5,899 |
| Net loans and leases to deposits | 55.6598% | 5,918 |
| Net loans and leases to core deposits | 57.9840% | 6,000 |
| Total domestic deposits to total assets | 84.9782% | 3,861 |
| Equity capital to assets | 13.8393% | 1,130 |
| Core capital (leverage) ratio | 13.0996% | 1,103 |
| Tier 1 risk-based capital ratio | 27.3964% | 673 |
| Total risk-based capital ratio | 28.0431% | 701 |
| Memoranda: | ||
| Average total assets | $220,783,200 | 2,829 |
| Average earning assets | $209,624,400 | 2,734 |
| Average equity | $30,152,000 | 2,185 |
| Average total loans | $108,594,800 | 3,414 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 5,822 |
| Cost of funding earning assets | 1.2538% | 1,975 |
| Net interest margin | 3.0843% | 6,419 |
| Noninterest income to average assets | 0.1568% | 6,473 |
| Noninterest expense to average assets | 2.3206% | 5,977 |
| Loan and lease loss provision to assets | 0.0817% | 5,417 |
| Net operating income to assets | 0.4861% | 4,599 |
| Return on assets (ROA) | 0.4861% | 4,794 |
| Pretax return on assets | 0.6944% | 4,502 |
| Return on Equity (ROE) | 3.5718% | 5,188 |
| Retained earnings to average equity (ytd only) | 3.5718% | 4,200 |
| Net charge-offs to loans | 0.4798% | 2,818 |
| Credit loss provision to net charge-offs | 34.3511% | 5,353 |
| Earnings coverage of net charge-offs (x) | 3.2621% | 3,518 |
| Efficiency ratio | 74.9365% | 3,015 |
| Assets per employee ($millions) | 5.8041% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 6,408 |
| Loan loss allowance to noncurrent loans | 36.0373% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 2.5749% | 2,503 |
| Noncurrent loans to loans | 2.6754% | 2,605 |
| Net loans and leases to total assets | 48.6212% | 5,880 |
| Net loans and leases to deposits | 57.3451% | 5,911 |
| Net loans and leases to core deposits | 59.8267% | 6,007 |
| Total domestic deposits to total assets | 84.7871% | 3,877 |
| Equity capital to assets | 13.9497% | 1,175 |
| Core capital (leverage) ratio | 13.1680% | 1,165 |
| Tier 1 risk-based capital ratio | 27.6834% | 685 |
| Total risk-based capital ratio | 28.6935% | 687 |
| Memoranda: | ||
| Average total assets | $220,228,500 | 2,837 |
| Average earning assets | $209,915,250 | 2,735 |
| Average equity | $29,974,500 | 2,201 |
| Average total loans | $109,204,250 | 3,429 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3492% | 5,848 |
| Cost of funding earning assets | 1.2876% | 2,019 |
| Net interest margin | 3.0616% | 6,486 |
| Noninterest income to average assets | 0.1399% | 6,624 |
| Noninterest expense to average assets | 2.3142% | 6,084 |
| Loan and lease loss provision to assets | 0.0818% | 5,289 |
| Net operating income to assets | 0.4625% | 4,666 |
| Return on assets (ROA) | 0.4625% | 4,799 |
| Pretax return on assets | 0.6606% | 4,531 |
| Return on Equity (ROE) | 3.4264% | 5,200 |
| Retained earnings to average equity (ytd only) | 3.4264% | 4,080 |
| Net charge-offs to loans | 0.5625% | 2,420 |
| Credit loss provision to net charge-offs | 29.2208% | 5,003 |
| Earnings coverage of net charge-offs (x) | 2.6526% | 3,507 |
| Efficiency ratio | 75.7134% | 3,072 |
| Assets per employee ($millions) | 5.7827% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 6,351 |
| Loan loss allowance to noncurrent loans | 33.8011% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 2.8574% | 2,349 |
| Noncurrent loans to loans | 2.9494% | 2,458 |
| Net loans and leases to total assets | 48.9888% | 5,949 |
| Net loans and leases to deposits | 57.6013% | 5,976 |
| Net loans and leases to core deposits | 60.0016% | 6,089 |
| Total domestic deposits to total assets | 85.0481% | 3,857 |
| Equity capital to assets | 13.7974% | 1,166 |
| Core capital (leverage) ratio | 13.0675% | 1,129 |
| Tier 1 risk-based capital ratio | 27.3915% | 703 |
| Total risk-based capital ratio | 28.4400% | 704 |
| Memoranda: | ||
| Average total assets | $220,119,330 | 2,863 |
| Average earning assets | $209,691,330 | 2,762 |
| Average equity | $29,710,330 | 2,202 |
| Average total loans | $109,512,000 | 3,468 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 5,950 |
| Cost of funding earning assets | 1.3187% | 2,075 |
| Net interest margin | 3.0013% | 6,570 |
| Noninterest income to average assets | 0.1543% | 6,612 |
| Noninterest expense to average assets | 2.2968% | 6,197 |
| Loan and lease loss provision to assets | 0.0817% | 4,984 |
| Net operating income to assets | 0.4448% | 4,745 |
| Return on assets (ROA) | 0.4448% | 4,828 |
| Pretax return on assets | 0.6355% | 4,553 |
| Return on Equity (ROE) | 3.3327% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.3327% | 4,183 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2048% | 3,129 |
| Assets per employee ($millions) | 5.7748% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 5,475 |
| Loan loss allowance to noncurrent loans | 38.6958% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 2.8522% | 2,417 |
| Noncurrent loans to loans | 3.1825% | 2,357 |
| Net loans and leases to total assets | 49.2308% | 5,936 |
| Net loans and leases to deposits | 57.5488% | 5,970 |
| Net loans and leases to core deposits | 60.0517% | 6,092 |
| Total domestic deposits to total assets | 85.5461% | 3,759 |
| Equity capital to assets | 13.4222% | 1,214 |
| Core capital (leverage) ratio | 12.9094% | 1,153 |
| Tier 1 risk-based capital ratio | 26.9141% | 716 |
| Total risk-based capital ratio | 28.1641% | 697 |
| Memoranda: | ||
| Average total assets | $220,307,000 | 2,878 |
| Average earning assets | $209,906,000 | 2,788 |
| Average equity | $29,406,000 | 2,211 |
| Average total loans | $109,901,000 | 3,492 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5975% | 6,121 |
| Cost of funding earning assets | 1.6465% | 1,845 |
| Net interest margin | 2.9510% | 6,819 |
| Noninterest income to average assets | 0.0985% | 6,903 |
| Noninterest expense to average assets | 2.4907% | 5,838 |
| Loan and lease loss provision to assets | 0.3710% | 3,902 |
| Net operating income to assets | -0.0060% | 5,845 |
| Return on assets (ROA) | -0.0060% | 5,967 |
| Pretax return on assets | 0.0442% | 5,804 |
| Return on Equity (ROE) | -0.0438% | 5,967 |
| Retained earnings to average equity (ytd only) | -0.0438% | 5,601 |
| Net charge-offs to loans | 0.3597% | 4,220 |
| Credit loss provision to net charge-offs | 200.9975% | 1,554 |
| Earnings coverage of net charge-offs (x) | 2.2494% | 4,037 |
| Efficiency ratio | 85.7120% | 1,723 |
| Assets per employee ($millions) | 5.8203% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 5,550 |
| Loan loss allowance to noncurrent loans | 42.9316% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 2.6215% | 2,657 |
| Noncurrent loans to loans | 2.7802% | 2,743 |
| Net loans and leases to total assets | 49.3299% | 6,238 |
| Net loans and leases to deposits | 57.5589% | 6,298 |
| Net loans and leases to core deposits | 60.0433% | 6,388 |
| Total domestic deposits to total assets | 85.7034% | 3,495 |
| Equity capital to assets | 13.2738% | 1,269 |
| Core capital (leverage) ratio | 12.7087% | 1,240 |
| Tier 1 risk-based capital ratio | 26.4160% | 720 |
| Total risk-based capital ratio | 27.6661% | 702 |
| Memoranda: | ||
| Average total assets | $217,251,400 | 2,904 |
| Average earning assets | $206,676,600 | 2,787 |
| Average equity | $29,661,000 | 2,197 |
| Average total loans | $111,488,400 | 3,510 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6721% | 6,119 |
| Cost of funding earning assets | 1.7173% | 1,782 |
| Net interest margin | 2.9548% | 6,921 |
| Noninterest income to average assets | 0.1942% | 6,496 |
| Noninterest expense to average assets | 2.3963% | 6,047 |
| Loan and lease loss provision to assets | 0.2004% | 5,049 |
| Net operating income to assets | 0.2750% | 5,256 |
| Return on assets (ROA) | 0.2750% | 5,422 |
| Pretax return on assets | 0.4075% | 5,195 |
| Return on Equity (ROE) | 1.9997% | 5,608 |
| Retained earnings to average equity (ytd only) | 1.9997% | 4,956 |
| Net charge-offs to loans | 0.4617% | 3,441 |
| Credit loss provision to net charge-offs | 83.9793% | 5,001 |
| Earnings coverage of net charge-offs (x) | 2.5478% | 3,885 |
| Efficiency ratio | 79.7661% | 2,373 |
| Assets per employee ($millions) | 5.7469% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7779% | 7,050 |
| Loan loss allowance to noncurrent loans | 33.6892% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 2.5877% | 2,790 |
| Noncurrent loans to loans | 2.3092% | 3,334 |
| Net loans and leases to total assets | 49.7603% | 6,348 |
| Net loans and leases to deposits | 58.6108% | 6,418 |
| Net loans and leases to core deposits | 61.2021% | 6,524 |
| Total domestic deposits to total assets | 84.8995% | 3,670 |
| Equity capital to assets | 13.7964% | 1,244 |
| Core capital (leverage) ratio | 13.1135% | 1,186 |
| Tier 1 risk-based capital ratio | 27.0360% | 693 |
| Total risk-based capital ratio | 27.8508% | 708 |
| Memoranda: | ||
| Average total assets | $216,271,250 | 2,961 |
| Average earning assets | $205,670,500 | 2,839 |
| Average equity | $29,736,750 | 2,220 |
| Average total loans | $111,755,000 | 3,558 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7404% | 6,011 |
| Cost of funding earning assets | 1.7827% | 1,710 |
| Net interest margin | 2.9578% | 6,922 |
| Noninterest income to average assets | 0.1948% | 6,505 |
| Noninterest expense to average assets | 2.4243% | 5,999 |
| Loan and lease loss provision to assets | 0.2598% | 4,336 |
| Net operating income to assets | 0.1911% | 5,592 |
| Return on assets (ROA) | 0.1911% | 5,712 |
| Pretax return on assets | 0.3247% | 5,437 |
| Return on Equity (ROE) | 1.3916% | 5,836 |
| Retained earnings to average equity (ytd only) | 1.3916% | 5,185 |
| Net charge-offs to loans | 0.5351% | 2,926 |
| Credit loss provision to net charge-offs | 93.0233% | 4,333 |
| Earnings coverage of net charge-offs (x) | 2.0930% | 3,980 |
| Efficiency ratio | 80.5735% | 2,360 |
| Assets per employee ($millions) | 5.7600% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7974% | 7,043 |
| Loan loss allowance to noncurrent loans | 24.5870% | 6,696 |
| Noncurrent assets plus other real estate owned to assets | 2.7664% | 2,612 |
| Noncurrent loans to loans | 3.2432% | 2,471 |
| Net loans and leases to total assets | 50.7559% | 6,345 |
| Net loans and leases to deposits | 59.6459% | 6,447 |
| Net loans and leases to core deposits | 62.3434% | 6,525 |
| Total domestic deposits to total assets | 85.0954% | 3,577 |
| Equity capital to assets | 13.6555% | 1,287 |
| Core capital (leverage) ratio | 12.9728% | 1,218 |
| Tier 1 risk-based capital ratio | 26.1121% | 761 |
| Total risk-based capital ratio | 26.9440% | 780 |
| Memoranda: | ||
| Average total assets | $215,567,330 | 2,992 |
| Average earning assets | $205,087,330 | 2,876 |
| Average equity | $29,606,000 | 2,215 |
| Average total loans | $112,500,000 | 3,566 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 5,749 |
| Cost of funding earning assets | 1.8604% | 1,614 |
| Net interest margin | 2.9746% | 6,890 |
| Noninterest income to average assets | 0.2057% | 6,492 |
| Noninterest expense to average assets | 2.4477% | 5,920 |
| Loan and lease loss provision to assets | 0.1402% | 5,146 |
| Net operating income to assets | 0.3104% | 5,252 |
| Return on assets (ROA) | 0.3104% | 5,382 |
| Pretax return on assets | 0.4432% | 5,151 |
| Return on Equity (ROE) | 2.2536% | 5,651 |
| Retained earnings to average equity (ytd only) | 2.2536% | 4,780 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7526% | 2,446 |
| Assets per employee ($millions) | 5.5312% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8384% | 7,030 |
| Loan loss allowance to noncurrent loans | 25.2406% | 6,719 |
| Noncurrent assets plus other real estate owned to assets | 2.8765% | 2,507 |
| Noncurrent loans to loans | 3.3217% | 2,406 |
| Net loans and leases to total assets | 51.7574% | 6,297 |
| Net loans and leases to deposits | 60.7746% | 6,385 |
| Net loans and leases to core deposits | 63.5449% | 6,487 |
| Total domestic deposits to total assets | 85.1629% | 3,575 |
| Equity capital to assets | 13.6990% | 1,243 |
| Core capital (leverage) ratio | 13.1185% | 1,177 |
| Tier 1 risk-based capital ratio | 26.1362% | 762 |
| Total risk-based capital ratio | 27.0178% | 779 |
| Memoranda: | ||
| Average total assets | $213,911,500 | 3,060 |
| Average earning assets | $203,186,000 | 2,951 |
| Average equity | $29,464,500 | 2,245 |
| Average total loans | $112,756,500 | 3,631 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 5,545 |
| Cost of funding earning assets | 2.2777% | 1,740 |
| Net interest margin | 2.9448% | 6,770 |
| Noninterest income to average assets | 0.2312% | 6,459 |
| Noninterest expense to average assets | 2.4593% | 6,273 |
| Loan and lease loss provision to assets | 0.1300% | 6,335 |
| Net operating income to assets | 0.3068% | 4,510 |
| Return on assets (ROA) | 0.3169% | 4,550 |
| Pretax return on assets | 0.4523% | 4,343 |
| Return on Equity (ROE) | 2.2936% | 4,787 |
| Retained earnings to average equity (ytd only) | 2.2936% | 3,508 |
| Net charge-offs to loans | 0.0336% | 6,792 |
| Credit loss provision to net charge-offs | 710.5263% | 409 |
| Earnings coverage of net charge-offs (x) | 31.0263% | 742 |
| Efficiency ratio | 81.2411% | 2,708 |
| Assets per employee ($millions) | 5.1733% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7696% | 7,207 |
| Loan loss allowance to noncurrent loans | 22.4027% | 6,943 |
| Noncurrent assets plus other real estate owned to assets | 3.0574% | 2,280 |
| Noncurrent loans to loans | 3.4352% | 2,218 |
| Net loans and leases to total assets | 52.8276% | 6,324 |
| Net loans and leases to deposits | 62.0283% | 6,468 |
| Net loans and leases to core deposits | 75.2829% | 6,453 |
| Total domestic deposits to total assets | 85.1669% | 3,472 |
| Equity capital to assets | 13.8506% | 1,208 |
| Core capital (leverage) ratio | 13.2644% | 1,172 |
| Tier 1 risk-based capital ratio | 25.8821% | 769 |
| Total risk-based capital ratio | 26.6905% | 787 |
| Memoranda: | ||
| Average total assets | $207,624,000 | 3,084 |
| Average earning assets | $197,129,600 | 3,010 |
| Average equity | $28,688,200 | 2,319 |
| Average total loans | $113,237,000 | 3,621 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2918% | 5,469 |
| Cost of funding earning assets | 2.3540% | 1,788 |
| Net interest margin | 2.9378% | 6,754 |
| Noninterest income to average assets | 0.2466% | 6,473 |
| Noninterest expense to average assets | 2.4735% | 6,162 |
| Loan and lease loss provision to assets | 0.1259% | 6,095 |
| Net operating income to assets | 0.3073% | 4,766 |
| Return on assets (ROA) | 0.3209% | 4,824 |
| Pretax return on assets | 0.4578% | 4,648 |
| Return on Equity (ROE) | 2.3238% | 5,052 |
| Retained earnings to average equity (ytd only) | 2.3238% | 4,023 |
| Net charge-offs to loans | 0.0471% | 6,254 |
| Credit loss provision to net charge-offs | 487.5000% | 810 |
| Earnings coverage of net charge-offs (x) | 21.8507% | 1,186 |
| Efficiency ratio | 81.4240% | 2,659 |
| Assets per employee ($millions) | 5.4406% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7039% | 7,355 |
| Loan loss allowance to noncurrent loans | 21.8905% | 6,991 |
| Noncurrent assets plus other real estate owned to assets | 2.8532% | 2,437 |
| Noncurrent loans to loans | 3.2156% | 2,352 |
| Net loans and leases to total assets | 52.6543% | 6,543 |
| Net loans and leases to deposits | 61.9950% | 6,674 |
| Net loans and leases to core deposits | 75.1989% | 6,655 |
| Total domestic deposits to total assets | 84.9332% | 3,271 |
| Equity capital to assets | 13.7740% | 1,386 |
| Core capital (leverage) ratio | 13.1838% | 1,328 |
| Tier 1 risk-based capital ratio | 25.8138% | 829 |
| Total risk-based capital ratio | 26.5529% | 847 |
| Memoranda: | ||
| Average total assets | $206,503,250 | 3,118 |
| Average earning assets | $196,199,250 | 3,039 |
| Average equity | $28,515,750 | 2,358 |
| Average total loans | $113,316,250 | 3,648 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4027% | 5,141 |
| Cost of funding earning assets | 2.4239% | 1,866 |
| Net interest margin | 2.9789% | 6,612 |
| Noninterest income to average assets | 0.2581% | 6,433 |
| Noninterest expense to average assets | 2.5121% | 6,082 |
| Loan and lease loss provision to assets | 0.1173% | 5,959 |
| Net operating income to assets | 0.2932% | 4,928 |
| Return on assets (ROA) | 0.2932% | 5,033 |
| Pretax return on assets | 0.4565% | 4,762 |
| Return on Equity (ROE) | 2.1217% | 5,252 |
| Retained earnings to average equity (ytd only) | 2.1217% | 4,165 |
| Net charge-offs to loans | 0.0440% | 5,850 |
| Credit loss provision to net charge-offs | 480.0000% | 967 |
| Earnings coverage of net charge-offs (x) | 23.4800% | 1,181 |
| Efficiency ratio | 81.4064% | 2,813 |
| Assets per employee ($millions) | 5.3414% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6528% | 7,542 |
| Loan loss allowance to noncurrent loans | 19.5769% | 7,153 |
| Noncurrent assets plus other real estate owned to assets | 2.9849% | 2,131 |
| Noncurrent loans to loans | 3.3348% | 2,111 |
| Net loans and leases to total assets | 53.3999% | 6,523 |
| Net loans and leases to deposits | 62.5964% | 6,696 |
| Net loans and leases to core deposits | 75.9504% | 6,678 |
| Total domestic deposits to total assets | 85.3083% | 3,103 |
| Equity capital to assets | 13.7691% | 1,398 |
| Core capital (leverage) ratio | 13.3022% | 1,327 |
| Tier 1 risk-based capital ratio | 26.2898% | 832 |
| Total risk-based capital ratio | 26.9896% | 858 |
| Memoranda: | ||
| Average total assets | $204,610,330 | 3,171 |
| Average earning assets | $194,236,000 | 3,085 |
| Average equity | $28,279,000 | 2,389 |
| Average total loans | $113,583,330 | 3,686 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5090% | 4,865 |
| Cost of funding earning assets | 2.4910% | 1,951 |
| Net interest margin | 3.0180% | 6,431 |
| Noninterest income to average assets | 0.2762% | 6,218 |
| Noninterest expense to average assets | 2.3575% | 6,347 |
| Loan and lease loss provision to assets | 0.1776% | 4,683 |
| Net operating income to assets | 0.4202% | 4,778 |
| Return on assets (ROA) | 0.4202% | 4,951 |
| Pretax return on assets | 0.5997% | 4,750 |
| Return on Equity (ROE) | 3.0345% | 5,358 |
| Retained earnings to average equity (ytd only) | 3.0345% | 4,191 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2045% | 3,619 |
| Assets per employee ($millions) | 5.2764% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6376% | 7,590 |
| Loan loss allowance to noncurrent loans | 18.9408% | 7,223 |
| Noncurrent assets plus other real estate owned to assets | 3.1179% | 1,803 |
| Noncurrent loans to loans | 3.3661% | 1,907 |
| Net loans and leases to total assets | 54.9835% | 6,356 |
| Net loans and leases to deposits | 64.4009% | 6,516 |
| Net loans and leases to core deposits | 77.8698% | 6,544 |
| Total domestic deposits to total assets | 85.3770% | 3,022 |
| Equity capital to assets | 13.8144% | 1,419 |
| Core capital (leverage) ratio | 13.4082% | 1,356 |
| Tier 1 risk-based capital ratio | 26.1270% | 881 |
| Total risk-based capital ratio | 26.8199% | 901 |
| Memoranda: | ||
| Average total assets | $202,758,000 | 3,210 |
| Average earning assets | $192,049,000 | 3,126 |
| Average equity | $28,077,000 | 2,412 |
| Average total loans | $114,389,500 | 3,689 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8334% | 6,321 |
| Cost of funding earning assets | 2.9463% | 2,073 |
| Net interest margin | 2.8870% | 7,179 |
| Noninterest income to average assets | 0.2232% | 6,847 |
| Noninterest expense to average assets | 2.3919% | 6,422 |
| Loan and lease loss provision to assets | 1.9596% | 622 |
| Net operating income to assets | -0.9572% | 7,225 |
| Return on assets (ROA) | -0.9572% | 7,146 |
| Pretax return on assets | -1.3875% | 7,207 |
| Return on Equity (ROE) | -6.6677% | 7,015 |
| Retained earnings to average equity (ytd only) | -6.6677% | 6,748 |
| Net charge-offs to loans | 0.7667% | 1,618 |
| Credit loss provision to net charge-offs | 431.6722% | 1,013 |
| Earnings coverage of net charge-offs (x) | 1.2602% | 5,500 |
| Efficiency ratio | 80.6988% | 2,504 |
| Assets per employee ($millions) | 5.1215% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5535% | 7,764 |
| Loan loss allowance to noncurrent loans | 18.0631% | 7,314 |
| Noncurrent assets plus other real estate owned to assets | 3.3394% | 1,353 |
| Noncurrent loans to loans | 3.0642% | 1,746 |
| Net loans and leases to total assets | 57.2114% | 6,309 |
| Net loans and leases to deposits | 67.0431% | 6,555 |
| Net loans and leases to core deposits | 80.7880% | 6,555 |
| Total domestic deposits to total assets | 85.3353% | 2,691 |
| Equity capital to assets | 13.8817% | 1,468 |
| Core capital (leverage) ratio | 13.6585% | 1,343 |
| Tier 1 risk-based capital ratio | 25.9820% | 901 |
| Total risk-based capital ratio | 26.5903% | 937 |
| Memoranda: | ||
| Average total assets | $198,921,800 | 3,156 |
| Average earning assets | $188,845,000 | 3,061 |
| Average equity | $28,555,600 | 2,366 |
| Average total loans | $117,774,400 | 3,510 |