Home > The Milford Bank > Performance and Condition Ratios
The Milford Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5768% | 3,785 |
| Cost of funding earning assets | 1.3353% | 3,533 |
| Net interest margin | 3.2415% | 2,907 |
| Noninterest income to average assets | 0.4000% | 2,235 |
| Noninterest expense to average assets | 2.6597% | 1,870 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 0.6560% | 3,212 |
| Return on assets (ROA) | 0.6560% | 3,231 |
| Pretax return on assets | 0.7919% | 3,210 |
| Return on Equity (ROE) | 8.2800% | 2,791 |
| Retained earnings to average equity (ytd only) | 8.2848% | 1,615 |
| Net charge-offs to loans | 0.0008% | 2,305 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 1,251.0000% | 71 |
| Efficiency ratio | 76.9146% | 1,173 |
| Assets per employee ($millions) | 8.0618% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 3,498 |
| Loan loss allowance to noncurrent loans | 351.7747% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.2061% | 2,474 |
| Noncurrent loans to loans | 0.2659% | 2,542 |
| Net loans and leases to total assets | 76.7800% | 978 |
| Net loans and leases to deposits | 95.8148% | 636 |
| Net loans and leases to core deposits | 102.1657% | 1,244 |
| Total domestic deposits to total assets | 80.1400% | 3,584 |
| Equity capital to assets | 8.0953% | 3,539 |
| Core capital (leverage) ratio | 9.4962% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2170% | 1,451 |
| Memoranda: | ||
| Average total assets | $626,831,000 | 1,502 |
| Average earning assets | $591,331,000 | 1,478 |
| Average equity | $49,633,000 | 1,760 |
| Average total loans | $488,138,500 | 1,338 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3781% | 4,004 |
| Cost of funding earning assets | 1.2678% | 3,723 |
| Net interest margin | 3.1102% | 2,919 |
| Noninterest income to average assets | 0.4900% | 1,987 |
| Noninterest expense to average assets | 2.9510% | 1,231 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 0.3253% | 3,803 |
| Return on assets (ROA) | 0.3419% | 3,799 |
| Pretax return on assets | 0.4244% | 3,765 |
| Return on Equity (ROE) | 4.4000% | 3,636 |
| Retained earnings to average equity (ytd only) | 4.3967% | 2,478 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 86.2384% | 670 |
| Assets per employee ($millions) | 7.9093% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 3,536 |
| Loan loss allowance to noncurrent loans | 281.7337% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 2,231 |
| Noncurrent loans to loans | 0.3303% | 2,273 |
| Net loans and leases to total assets | 77.5100% | 955 |
| Net loans and leases to deposits | 93.1692% | 929 |
| Net loans and leases to core deposits | 98.2849% | 1,566 |
| Total domestic deposits to total assets | 83.2000% | 2,985 |
| Equity capital to assets | 7.7398% | 3,644 |
| Core capital (leverage) ratio | 9.4732% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9376% | 1,532 |
| Memoranda: | ||
| Average total assets | $604,574,600 | 1,525 |
| Average earning assets | $570,024,600 | 1,501 |
| Average equity | $47,012,400 | 1,785 |
| Average total loans | $461,900,800 | 1,384 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3371% | 4,026 |
| Cost of funding earning assets | 1.2545% | 3,742 |
| Net interest margin | 3.0826% | 2,940 |
| Noninterest income to average assets | 0.5200% | 1,809 |
| Noninterest expense to average assets | 2.9837% | 1,131 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 0.3174% | 3,836 |
| Return on assets (ROA) | 0.3174% | 3,869 |
| Pretax return on assets | 0.3934% | 3,824 |
| Return on Equity (ROE) | 4.0800% | 3,714 |
| Retained earnings to average equity (ytd only) | 4.0763% | 2,827 |
| Net charge-offs to loans | -0.0006% | 3,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 87.1735% | 656 |
| Assets per employee ($millions) | 7.5753% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 3,552 |
| Loan loss allowance to noncurrent loans | 378.7641% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 2,527 |
| Noncurrent loans to loans | 0.2467% | 2,552 |
| Net loans and leases to total assets | 75.2000% | 1,227 |
| Net loans and leases to deposits | 91.3804% | 1,113 |
| Net loans and leases to core deposits | 97.1090% | 1,688 |
| Total domestic deposits to total assets | 82.2900% | 3,035 |
| Equity capital to assets | 8.1216% | 3,632 |
| Core capital (leverage) ratio | 9.5987% | 3,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5476% | 1,395 |
| Memoranda: | ||
| Average total assets | $599,508,750 | 1,525 |
| Average earning assets | $565,094,500 | 1,511 |
| Average equity | $46,675,250 | 1,793 |
| Average total loans | $455,152,750 | 1,389 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2983% | 4,030 |
| Cost of funding earning assets | 1.2116% | 3,766 |
| Net interest margin | 3.0868% | 2,883 |
| Noninterest income to average assets | 0.5600% | 1,597 |
| Noninterest expense to average assets | 3.0917% | 975 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 0.2522% | 3,921 |
| Return on assets (ROA) | 0.2522% | 3,958 |
| Pretax return on assets | 0.3114% | 3,918 |
| Return on Equity (ROE) | 3.2900% | 3,843 |
| Retained earnings to average equity (ytd only) | 3.2879% | 2,962 |
| Net charge-offs to loans | -0.0009% | 3,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 89.1334% | 609 |
| Assets per employee ($millions) | 7.4105% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 3,529 |
| Loan loss allowance to noncurrent loans | 453.7095% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 2,602 |
| Noncurrent loans to loans | 0.2087% | 2,650 |
| Net loans and leases to total assets | 75.6600% | 1,214 |
| Net loans and leases to deposits | 88.5064% | 1,441 |
| Net loans and leases to core deposits | 93.0197% | 1,929 |
| Total domestic deposits to total assets | 85.4900% | 2,153 |
| Equity capital to assets | 7.6763% | 3,636 |
| Core capital (leverage) ratio | 9.5623% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5804% | 1,376 |
| Memoranda: | ||
| Average total assets | $594,812,333 | 1,534 |
| Average earning assets | $560,264,667 | 1,516 |
| Average equity | $45,622,333 | 1,804 |
| Average total loans | $451,611,000 | 1,398 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 4,038 |
| Cost of funding earning assets | 1.2251% | 3,679 |
| Net interest margin | 3.0067% | 2,981 |
| Noninterest income to average assets | 0.5100% | 1,724 |
| Noninterest expense to average assets | 3.0583% | 1,021 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.2121% | 3,959 |
| Return on assets (ROA) | 0.2121% | 3,997 |
| Pretax return on assets | 0.2594% | 3,962 |
| Return on Equity (ROE) | 2.7700% | 3,891 |
| Retained earnings to average equity (ytd only) | 2.7668% | 3,044 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 91.6211% | 526 |
| Assets per employee ($millions) | 7.7636% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 3,609 |
| Loan loss allowance to noncurrent loans | 453.8043% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 2,615 |
| Noncurrent loans to loans | 0.2045% | 2,607 |
| Net loans and leases to total assets | 74.5700% | 1,271 |
| Net loans and leases to deposits | 87.9178% | 1,363 |
| Net loans and leases to core deposits | 92.6973% | 1,861 |
| Total domestic deposits to total assets | 84.8200% | 2,466 |
| Equity capital to assets | 7.5699% | 3,635 |
| Core capital (leverage) ratio | 9.5590% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6775% | 1,360 |
| Memoranda: | ||
| Average total assets | $592,092,000 | 1,544 |
| Average earning assets | $557,687,500 | 1,522 |
| Average equity | $45,395,000 | 1,794 |
| Average total loans | $448,170,500 | 1,405 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0321% | 3,914 |
| Cost of funding earning assets | 0.7151% | 3,913 |
| Net interest margin | 3.3170% | 2,587 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 3.1806% | 847 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 0.3443% | 3,964 |
| Return on assets (ROA) | 0.3443% | 3,960 |
| Pretax return on assets | 0.4278% | 3,922 |
| Return on Equity (ROE) | 4.6000% | 3,797 |
| Retained earnings to average equity (ytd only) | 4.6050% | 2,753 |
| Net charge-offs to loans | 0.0009% | 2,849 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,590 |
| Earnings coverage of net charge-offs (x) | 574.5000% | 259 |
| Efficiency ratio | 88.7892% | 457 |
| Assets per employee ($millions) | 7.5177% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 3,617 |
| Loan loss allowance to noncurrent loans | 443.3155% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 2,469 |
| Noncurrent loans to loans | 0.2095% | 2,471 |
| Net loans and leases to total assets | 75.4100% | 1,187 |
| Net loans and leases to deposits | 87.4846% | 1,484 |
| Net loans and leases to core deposits | 91.4657% | 1,954 |
| Total domestic deposits to total assets | 86.2000% | 1,953 |
| Equity capital to assets | 7.7657% | 3,565 |
| Core capital (leverage) ratio | 9.6229% | 3,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8333% | 1,309 |
| Memoranda: | ||
| Average total assets | $572,223,000 | 1,545 |
| Average earning assets | $537,680,200 | 1,530 |
| Average equity | $42,780,000 | 1,797 |
| Average total loans | $431,442,800 | 1,392 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9666% | 3,902 |
| Cost of funding earning assets | 0.6173% | 3,940 |
| Net interest margin | 3.3493% | 2,569 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 3.1656% | 853 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.2980% | 4,115 |
| Return on assets (ROA) | 0.2980% | 4,122 |
| Pretax return on assets | 0.3693% | 4,095 |
| Return on Equity (ROE) | 4.0300% | 3,976 |
| Retained earnings to average equity (ytd only) | 4.0261% | 3,250 |
| Net charge-offs to loans | 0.0016% | 2,539 |
| Credit loss provision to net charge-offs | 4,600.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 361.0000% | 393 |
| Efficiency ratio | 88.2080% | 436 |
| Assets per employee ($millions) | 7.3518% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 3,211 |
| Loan loss allowance to noncurrent loans | 315.9218% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 2,021 |
| Noncurrent loans to loans | 0.3260% | 2,064 |
| Net loans and leases to total assets | 74.8400% | 1,258 |
| Net loans and leases to deposits | 87.3482% | 1,439 |
| Net loans and leases to core deposits | 90.7460% | 1,873 |
| Total domestic deposits to total assets | 85.6800% | 2,286 |
| Equity capital to assets | 7.0252% | 3,596 |
| Core capital (leverage) ratio | 9.6175% | 3,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9286% | 1,340 |
| Memoranda: | ||
| Average total assets | $568,683,000 | 1,558 |
| Average earning assets | $534,145,500 | 1,542 |
| Average equity | $42,090,750 | 1,797 |
| Average total loans | $427,714,250 | 1,391 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9078% | 3,856 |
| Cost of funding earning assets | 0.4788% | 4,021 |
| Net interest margin | 3.4290% | 2,451 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 3.2272% | 764 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.3259% | 4,120 |
| Return on assets (ROA) | 0.3259% | 4,145 |
| Pretax return on assets | 0.4045% | 4,112 |
| Return on Equity (ROE) | 4.3300% | 3,978 |
| Retained earnings to average equity (ytd only) | 4.3273% | 3,122 |
| Net charge-offs to loans | 0.0005% | 2,438 |
| Credit loss provision to net charge-offs | 21,500.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 1,357.0000% | 106 |
| Efficiency ratio | 87.0367% | 459 |
| Assets per employee ($millions) | 7.5994% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 3,237 |
| Loan loss allowance to noncurrent loans | 241.7247% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 1,611 |
| Noncurrent loans to loans | 0.4309% | 1,643 |
| Net loans and leases to total assets | 75.2200% | 1,133 |
| Net loans and leases to deposits | 86.2836% | 1,476 |
| Net loans and leases to core deposits | 88.5168% | 1,895 |
| Total domestic deposits to total assets | 87.1800% | 1,876 |
| Equity capital to assets | 7.4867% | 3,528 |
| Core capital (leverage) ratio | 9.7087% | 3,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0515% | 1,311 |
| Memoranda: | ||
| Average total assets | $564,646,000 | 1,571 |
| Average earning assets | $530,527,667 | 1,551 |
| Average equity | $42,520,333 | 1,799 |
| Average total loans | $423,882,667 | 1,394 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8052% | 3,848 |
| Cost of funding earning assets | 0.3370% | 4,114 |
| Net interest margin | 3.4682% | 2,453 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 3.2847% | 713 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.3573% | 4,157 |
| Return on assets (ROA) | 0.3573% | 4,112 |
| Pretax return on assets | 0.4441% | 4,063 |
| Return on Equity (ROE) | 4.7300% | 3,928 |
| Retained earnings to average equity (ytd only) | 4.7308% | 3,079 |
| Net charge-offs to loans | 0.0029% | 1,916 |
| Credit loss provision to net charge-offs | 1,333.3333% | 304 |
| Earnings coverage of net charge-offs (x) | 221.3333% | 476 |
| Efficiency ratio | 87.4219% | 443 |
| Assets per employee ($millions) | 7.1411% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 3,391 |
| Loan loss allowance to noncurrent loans | 194.5267% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 1,307 |
| Noncurrent loans to loans | 0.5291% | 1,397 |
| Net loans and leases to total assets | 73.9100% | 1,215 |
| Net loans and leases to deposits | 84.9245% | 1,430 |
| Net loans and leases to core deposits | 86.5464% | 1,834 |
| Total domestic deposits to total assets | 87.0300% | 2,250 |
| Equity capital to assets | 7.6987% | 3,446 |
| Core capital (leverage) ratio | 9.7753% | 2,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4226% | 1,283 |
| Memoranda: | ||
| Average total assets | $561,992,000 | 1,591 |
| Average earning assets | $528,224,500 | 1,575 |
| Average equity | $42,445,000 | 1,822 |
| Average total loans | $419,204,500 | 1,420 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4174% | 3,300 |
| Cost of funding earning assets | 0.1277% | 4,240 |
| Net interest margin | 3.2897% | 2,592 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 3.0152% | 948 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5546% | 3,980 |
| Return on assets (ROA) | 0.5546% | 3,946 |
| Pretax return on assets | 0.6344% | 3,968 |
| Return on Equity (ROE) | 7.0200% | 3,635 |
| Retained earnings to average equity (ytd only) | 7.0249% | 2,233 |
| Net charge-offs to loans | 0.0022% | 2,445 |
| Credit loss provision to net charge-offs | 222.2222% | 1,056 |
| Earnings coverage of net charge-offs (x) | 397.6667% | 386 |
| Efficiency ratio | 82.5364% | 563 |
| Assets per employee ($millions) | 7.3663% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 3,304 |
| Loan loss allowance to noncurrent loans | 196.5485% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 1,334 |
| Noncurrent loans to loans | 0.5140% | 1,420 |
| Net loans and leases to total assets | 73.7500% | 1,240 |
| Net loans and leases to deposits | 81.9410% | 1,618 |
| Net loans and leases to core deposits | 82.1240% | 2,000 |
| Total domestic deposits to total assets | 90.0100% | 1,360 |
| Equity capital to assets | 7.4053% | 3,434 |
| Core capital (leverage) ratio | 9.8542% | 2,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5077% | 1,231 |
| Memoranda: | ||
| Average total assets | $560,994,600 | 1,583 |
| Average earning assets | $528,531,400 | 1,555 |
| Average equity | $44,285,200 | 1,779 |
| Average total loans | $406,082,000 | 1,379 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2964% | 3,185 |
| Cost of funding earning assets | 0.1263% | 4,061 |
| Net interest margin | 3.1701% | 2,711 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.8282% | 1,190 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.6274% | 3,761 |
| Return on assets (ROA) | 0.6274% | 3,712 |
| Pretax return on assets | 0.7067% | 3,789 |
| Return on Equity (ROE) | 7.8300% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.8264% | 2,071 |
| Net charge-offs to loans | 0.0030% | 2,131 |
| Credit loss provision to net charge-offs | 1,666.6667% | 284 |
| Earnings coverage of net charge-offs (x) | 347.2222% | 428 |
| Efficiency ratio | 79.2096% | 820 |
| Assets per employee ($millions) | 7.2968% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,267 |
| Loan loss allowance to noncurrent loans | 139.0525% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 961 |
| Noncurrent loans to loans | 0.7533% | 1,079 |
| Net loans and leases to total assets | 73.0300% | 1,177 |
| Net loans and leases to deposits | 80.8217% | 1,534 |
| Net loans and leases to core deposits | 82.5932% | 1,729 |
| Total domestic deposits to total assets | 90.3600% | 1,498 |
| Equity capital to assets | 6.9533% | 3,541 |
| Core capital (leverage) ratio | 9.5717% | 2,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4836% | 1,285 |
| Memoranda: | ||
| Average total assets | $561,283,500 | 1,590 |
| Average earning assets | $528,894,000 | 1,571 |
| Average equity | $44,992,000 | 1,774 |
| Average total loans | $403,326,750 | 1,372 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2145% | 2,997 |
| Cost of funding earning assets | 0.1264% | 3,888 |
| Net interest margin | 3.0881% | 2,570 |
| Noninterest income to average assets | 0.7043% | 1,318 |
| Noninterest expense to average assets | 2.7895% | 1,196 |
| Loan and lease loss provision to assets | 0.0267% | 2,116 |
| Net operating income to assets | 0.7300% | 3,209 |
| Return on assets (ROA) | 0.7300% | 3,163 |
| Pretax return on assets | 0.7970% | 3,340 |
| Return on Equity (ROE) | 8.7210% | 2,785 |
| Retained earnings to average equity (ytd only) | 8.7210% | 1,368 |
| Net charge-offs to loans | 0.0050% | 1,836 |
| Credit loss provision to net charge-offs | 750.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 231.1000% | 492 |
| Efficiency ratio | 77.2023% | 1,156 |
| Assets per employee ($millions) | 7.0164% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 3,397 |
| Loan loss allowance to noncurrent loans | 201.2258% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 1,535 |
| Noncurrent loans to loans | 0.5203% | 1,584 |
| Net loans and leases to total assets | 69.2729% | 1,372 |
| Net loans and leases to deposits | 76.9785% | 1,612 |
| Net loans and leases to core deposits | 78.7096% | 1,803 |
| Total domestic deposits to total assets | 89.9898% | 1,709 |
| Equity capital to assets | 7.4904% | 3,487 |
| Core capital (leverage) ratio | 9.6903% | 2,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6791% | 1,264 |
| Memoranda: | ||
| Average total assets | $561,094,333 | 1,597 |
| Average earning assets | $528,547,667 | 1,588 |
| Average equity | $46,967,000 | 1,761 |
| Average total loans | $399,541,667 | 1,380 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2232% | 2,618 |
| Cost of funding earning assets | 0.1260% | 3,824 |
| Net interest margin | 3.0972% | 2,184 |
| Noninterest income to average assets | 1.2288% | 471 |
| Noninterest expense to average assets | 2.9815% | 845 |
| Loan and lease loss provision to assets | -0.0254% | 4,466 |
| Net operating income to assets | 1.1350% | 1,424 |
| Return on assets (ROA) | 1.1350% | 1,417 |
| Pretax return on assets | 1.1837% | 1,863 |
| Return on Equity (ROE) | 12.8454% | 1,076 |
| Retained earnings to average equity (ytd only) | 12.8454% | 483 |
| Net charge-offs to loans | 0.0030% | 1,676 |
| Credit loss provision to net charge-offs | -1,166.6667% | 3,290 |
| Earnings coverage of net charge-offs (x) | 531.3333% | 196 |
| Efficiency ratio | 72.0204% | 1,971 |
| Assets per employee ($millions) | 7.0659% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 3,499 |
| Loan loss allowance to noncurrent loans | 145.6803% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.5122% | 1,172 |
| Noncurrent loans to loans | 0.7260% | 1,312 |
| Net loans and leases to total assets | 69.8062% | 1,039 |
| Net loans and leases to deposits | 78.3859% | 1,254 |
| Net loans and leases to core deposits | 80.0966% | 1,472 |
| Total domestic deposits to total assets | 89.0545% | 2,056 |
| Equity capital to assets | 8.3518% | 3,283 |
| Core capital (leverage) ratio | 9.8261% | 2,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9192% | 1,284 |
| Memoranda: | ||
| Average total assets | $550,462,500 | 1,634 |
| Average earning assets | $517,368,000 | 1,626 |
| Average equity | $48,640,000 | 1,771 |
| Average total loans | $395,470,500 | 1,380 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4865% | 2,694 |
| Cost of funding earning assets | 0.1347% | 4,119 |
| Net interest margin | 3.3518% | 2,158 |
| Noninterest income to average assets | 0.4510% | 2,813 |
| Noninterest expense to average assets | 3.1095% | 832 |
| Loan and lease loss provision to assets | -0.0231% | 4,240 |
| Net operating income to assets | 0.4057% | 4,269 |
| Return on assets (ROA) | 0.4057% | 4,302 |
| Pretax return on assets | 0.5039% | 4,252 |
| Return on Equity (ROE) | 4.2336% | 4,167 |
| Retained earnings to average equity (ytd only) | 4.2336% | 3,115 |
| Net charge-offs to loans | 0.0020% | 2,572 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | 312.3750% | 389 |
| Efficiency ratio | 86.6092% | 438 |
| Assets per employee ($millions) | 6.7840% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 3,536 |
| Loan loss allowance to noncurrent loans | 237.3235% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 1,931 |
| Noncurrent loans to loans | 0.4460% | 2,018 |
| Net loans and leases to total assets | 72.3967% | 818 |
| Net loans and leases to deposits | 82.1419% | 1,056 |
| Net loans and leases to core deposits | 84.0516% | 1,329 |
| Total domestic deposits to total assets | 88.1361% | 1,970 |
| Equity capital to assets | 9.3344% | 3,283 |
| Core capital (leverage) ratio | 9.6405% | 2,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6804% | 1,343 |
| Memoranda: | ||
| Average total assets | $519,789,800 | 1,650 |
| Average earning assets | $486,846,400 | 1,644 |
| Average equity | $49,815,200 | 1,771 |
| Average total loans | $403,486,200 | 1,362 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5032% | 2,833 |
| Cost of funding earning assets | 0.1370% | 4,214 |
| Net interest margin | 3.3662% | 2,247 |
| Noninterest income to average assets | 0.4256% | 2,952 |
| Noninterest expense to average assets | 3.0668% | 868 |
| Loan and lease loss provision to assets | -0.0414% | 4,429 |
| Net operating income to assets | 0.4404% | 4,312 |
| Return on assets (ROA) | 0.4404% | 4,345 |
| Pretax return on assets | 0.5475% | 4,306 |
| Return on Equity (ROE) | 4.5640% | 4,212 |
| Retained earnings to average equity (ytd only) | 4.5640% | 3,384 |
| Net charge-offs to loans | 0.0020% | 2,323 |
| Credit loss provision to net charge-offs | -2,666.6667% | 4,048 |
| Earnings coverage of net charge-offs (x) | 325.1667% | 415 |
| Efficiency ratio | 85.8367% | 438 |
| Assets per employee ($millions) | 6.7764% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 3,653 |
| Loan loss allowance to noncurrent loans | 238.8188% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 2,152 |
| Noncurrent loans to loans | 0.4407% | 2,239 |
| Net loans and leases to total assets | 73.1442% | 762 |
| Net loans and leases to deposits | 83.0515% | 1,028 |
| Net loans and leases to core deposits | 84.9480% | 1,355 |
| Total domestic deposits to total assets | 88.0709% | 1,800 |
| Equity capital to assets | 9.3827% | 3,482 |
| Core capital (leverage) ratio | 9.8148% | 2,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2667% | 1,293 |
| Memoranda: | ||
| Average total assets | $514,057,000 | 1,684 |
| Average earning assets | $480,610,000 | 1,677 |
| Average equity | $49,604,000 | 1,791 |
| Average total loans | $405,079,000 | 1,391 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5359% | 2,807 |
| Cost of funding earning assets | 0.1394% | 4,283 |
| Net interest margin | 3.3965% | 2,151 |
| Noninterest income to average assets | 0.4418% | 2,894 |
| Noninterest expense to average assets | 3.1343% | 800 |
| Loan and lease loss provision to assets | -0.0395% | 4,490 |
| Net operating income to assets | 0.4182% | 4,353 |
| Return on assets (ROA) | 0.4182% | 4,395 |
| Pretax return on assets | 0.5192% | 4,360 |
| Return on Equity (ROE) | 4.2919% | 4,279 |
| Retained earnings to average equity (ytd only) | 4.2919% | 3,427 |
| Net charge-offs to loans | 0.0020% | 2,137 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,872 |
| Earnings coverage of net charge-offs (x) | 304.0000% | 370 |
| Efficiency ratio | 86.7263% | 445 |
| Assets per employee ($millions) | 6.6052% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 3,605 |
| Loan loss allowance to noncurrent loans | 375.7333% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 2,876 |
| Noncurrent loans to loans | 0.2804% | 2,932 |
| Net loans and leases to total assets | 75.1273% | 664 |
| Net loans and leases to deposits | 85.3824% | 951 |
| Net loans and leases to core deposits | 87.4073% | 1,316 |
| Total domestic deposits to total assets | 87.9892% | 1,825 |
| Equity capital to assets | 9.4716% | 3,362 |
| Core capital (leverage) ratio | 9.8141% | 2,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2317% | 1,281 |
| Memoranda: | ||
| Average total assets | $506,963,667 | 1,689 |
| Average earning assets | $473,489,333 | 1,687 |
| Average equity | $49,395,667 | 1,785 |
| Average total loans | $408,194,333 | 1,387 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6277% | 2,551 |
| Cost of funding earning assets | 0.1470% | 4,326 |
| Net interest margin | 3.4807% | 1,879 |
| Noninterest income to average assets | 0.4248% | 2,958 |
| Noninterest expense to average assets | 3.2089% | 712 |
| Loan and lease loss provision to assets | -0.0121% | 4,587 |
| Net operating income to assets | 0.3813% | 4,393 |
| Return on assets (ROA) | 0.3813% | 4,420 |
| Pretax return on assets | 0.4724% | 4,389 |
| Return on Equity (ROE) | 3.8558% | 4,312 |
| Retained earnings to average equity (ytd only) | 3.8558% | 3,544 |
| Net charge-offs to loans | 0.0039% | 1,782 |
| Credit loss provision to net charge-offs | -375.0000% | 3,099 |
| Earnings coverage of net charge-offs (x) | 142.7500% | 502 |
| Efficiency ratio | 87.4561% | 467 |
| Assets per employee ($millions) | 6.2994% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,671 |
| Loan loss allowance to noncurrent loans | 217.3387% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 2,244 |
| Noncurrent loans to loans | 0.4812% | 2,407 |
| Net loans and leases to total assets | 79.9554% | 336 |
| Net loans and leases to deposits | 91.0090% | 644 |
| Net loans and leases to core deposits | 92.5080% | 1,080 |
| Total domestic deposits to total assets | 87.8545% | 1,913 |
| Equity capital to assets | 9.6335% | 3,062 |
| Core capital (leverage) ratio | 10.2570% | 2,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9347% | 1,311 |
| Memoranda: | ||
| Average total assets | $496,238,500 | 1,710 |
| Average earning assets | $462,556,000 | 1,710 |
| Average equity | $49,069,000 | 1,787 |
| Average total loans | $411,686,500 | 1,378 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8799% | 3,082 |
| Cost of funding earning assets | 0.3620% | 3,809 |
| Net interest margin | 3.5179% | 2,415 |
| Noninterest income to average assets | 0.4679% | 2,781 |
| Noninterest expense to average assets | 3.2437% | 981 |
| Loan and lease loss provision to assets | 0.2646% | 1,459 |
| Net operating income to assets | 0.2203% | 4,546 |
| Return on assets (ROA) | 0.2299% | 4,595 |
| Pretax return on assets | 0.2367% | 4,622 |
| Return on Equity (ROE) | 2.2397% | 4,529 |
| Retained earnings to average equity (ytd only) | 2.2397% | 3,734 |
| Net charge-offs to loans | 0.0027% | 3,291 |
| Credit loss provision to net charge-offs | 11,363.6364% | 91 |
| Earnings coverage of net charge-offs (x) | 211.0000% | 451 |
| Efficiency ratio | 86.8446% | 495 |
| Assets per employee ($millions) | 5.9534% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 3,671 |
| Loan loss allowance to noncurrent loans | 280.8690% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 2,717 |
| Noncurrent loans to loans | 0.3751% | 2,859 |
| Net loans and leases to total assets | 84.3498% | 157 |
| Net loans and leases to deposits | 96.7621% | 514 |
| Net loans and leases to core deposits | 98.4621% | 989 |
| Total domestic deposits to total assets | 87.1724% | 1,855 |
| Equity capital to assets | 10.1577% | 2,976 |
| Core capital (leverage) ratio | 10.3628% | 2,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6566% | 1,359 |
| Memoranda: | ||
| Average total assets | $472,359,400 | 1,634 |
| Average earning assets | $438,697,600 | 1,630 |
| Average equity | $48,487,800 | 1,741 |
| Average total loans | $407,430,600 | 1,332 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8831% | 3,314 |
| Cost of funding earning assets | 0.4138% | 3,737 |
| Net interest margin | 3.4693% | 2,694 |
| Noninterest income to average assets | 0.4426% | 2,877 |
| Noninterest expense to average assets | 3.1876% | 1,092 |
| Loan and lease loss provision to assets | 0.2624% | 1,549 |
| Net operating income to assets | 0.2188% | 4,562 |
| Return on assets (ROA) | 0.2321% | 4,581 |
| Pretax return on assets | 0.2247% | 4,631 |
| Return on Equity (ROE) | 2.2551% | 4,518 |
| Retained earnings to average equity (ytd only) | 2.2551% | 3,842 |
| Net charge-offs to loans | 0.0020% | 3,132 |
| Credit loss provision to net charge-offs | 15,416.6667% | 87 |
| Earnings coverage of net charge-offs (x) | 278.3333% | 385 |
| Efficiency ratio | 87.0583% | 455 |
| Assets per employee ($millions) | 5.8424% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 3,874 |
| Loan loss allowance to noncurrent loans | 184.2444% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 2,367 |
| Noncurrent loans to loans | 0.5175% | 2,502 |
| Net loans and leases to total assets | 86.9773% | 109 |
| Net loans and leases to deposits | 102.1286% | 446 |
| Net loans and leases to core deposits | 103.8946% | 931 |
| Total domestic deposits to total assets | 85.1645% | 2,373 |
| Equity capital to assets | 10.2108% | 3,055 |
| Core capital (leverage) ratio | 10.3661% | 2,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4364% | 1,386 |
| Memoranda: | ||
| Average total assets | $469,893,250 | 1,620 |
| Average earning assets | $435,963,000 | 1,620 |
| Average equity | $48,364,000 | 1,741 |
| Average total loans | $406,516,750 | 1,326 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 3,536 |
| Cost of funding earning assets | 0.4849% | 3,629 |
| Net interest margin | 3.4445% | 2,961 |
| Noninterest income to average assets | 0.3856% | 3,170 |
| Noninterest expense to average assets | 3.1519% | 1,239 |
| Loan and lease loss provision to assets | 0.3427% | 1,243 |
| Net operating income to assets | 0.1397% | 4,643 |
| Return on assets (ROA) | 0.1598% | 4,659 |
| Pretax return on assets | 0.1037% | 4,721 |
| Return on Equity (ROE) | 1.5484% | 4,608 |
| Retained earnings to average equity (ytd only) | 1.5484% | 3,918 |
| Net charge-offs to loans | 0.0075% | 2,685 |
| Credit loss provision to net charge-offs | 5,333.3333% | 222 |
| Earnings coverage of net charge-offs (x) | 66.3333% | 906 |
| Efficiency ratio | 88.0867% | 451 |
| Assets per employee ($millions) | 6.0137% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9246% | 3,904 |
| Loan loss allowance to noncurrent loans | 183.7441% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 2,593 |
| Noncurrent loans to loans | 0.5032% | 2,641 |
| Net loans and leases to total assets | 84.2508% | 233 |
| Net loans and leases to deposits | 100.6237% | 516 |
| Net loans and leases to core deposits | 105.3053% | 923 |
| Total domestic deposits to total assets | 83.7286% | 2,837 |
| Equity capital to assets | 9.8351% | 3,338 |
| Core capital (leverage) ratio | 10.2902% | 2,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1827% | 1,452 |
| Memoranda: | ||
| Average total assets | $466,831,000 | 1,598 |
| Average earning assets | $432,695,000 | 1,604 |
| Average equity | $48,179,333 | 1,729 |
| Average total loans | $401,788,333 | 1,320 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0793% | 3,578 |
| Cost of funding earning assets | 0.5548% | 3,670 |
| Net interest margin | 3.5244% | 2,897 |
| Noninterest income to average assets | 0.2610% | 3,979 |
| Noninterest expense to average assets | 3.0515% | 1,762 |
| Loan and lease loss provision to assets | 0.3968% | 773 |
| Net operating income to assets | 0.2072% | 4,514 |
| Return on assets (ROA) | 0.2072% | 4,526 |
| Pretax return on assets | 0.0723% | 4,683 |
| Return on Equity (ROE) | 1.9575% | 4,453 |
| Retained earnings to average equity (ytd only) | 1.9575% | 3,456 |
| Net charge-offs to loans | 0.0092% | 2,232 |
| Credit loss provision to net charge-offs | 5,000.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 59.1111% | 813 |
| Efficiency ratio | 86.6767% | 657 |
| Assets per employee ($millions) | 5.5811% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 4,122 |
| Loan loss allowance to noncurrent loans | 256.7587% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 3,248 |
| Noncurrent loans to loans | 0.3490% | 3,237 |
| Net loans and leases to total assets | 85.3886% | 174 |
| Net loans and leases to deposits | 107.6081% | 245 |
| Net loans and leases to core deposits | 113.3621% | 692 |
| Total domestic deposits to total assets | 79.3515% | 3,983 |
| Equity capital to assets | 10.5615% | 3,267 |
| Core capital (leverage) ratio | 10.8572% | 2,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0315% | 1,594 |
| Memoranda: | ||
| Average total assets | $453,684,500 | 1,597 |
| Average earning assets | $419,586,000 | 1,601 |
| Average equity | $48,019,500 | 1,721 |
| Average total loans | $393,013,500 | 1,311 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1556% | 3,914 |
| Cost of funding earning assets | 0.6093% | 3,603 |
| Net interest margin | 3.5463% | 3,299 |
| Noninterest income to average assets | 0.5149% | 2,646 |
| Noninterest expense to average assets | 3.4373% | 1,051 |
| Loan and lease loss provision to assets | 0.0114% | 3,786 |
| Net operating income to assets | 0.2798% | 4,769 |
| Return on assets (ROA) | 0.2798% | 4,796 |
| Pretax return on assets | 0.3423% | 4,775 |
| Return on Equity (ROE) | 2.6896% | 4,708 |
| Retained earnings to average equity (ytd only) | 2.6896% | 3,694 |
| Net charge-offs to loans | 0.0065% | 3,446 |
| Credit loss provision to net charge-offs | 204.0000% | 1,301 |
| Earnings coverage of net charge-offs (x) | 63.3200% | 950 |
| Efficiency ratio | 90.6690% | 327 |
| Assets per employee ($millions) | 5.3538% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7894% | 4,336 |
| Loan loss allowance to noncurrent loans | 243.6564% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 3,295 |
| Noncurrent loans to loans | 0.3240% | 3,278 |
| Net loans and leases to total assets | 86.4142% | 145 |
| Net loans and leases to deposits | 107.7659% | 231 |
| Net loans and leases to core deposits | 111.9839% | 759 |
| Total domestic deposits to total assets | 80.1869% | 3,939 |
| Equity capital to assets | 10.6075% | 3,344 |
| Core capital (leverage) ratio | 10.9083% | 2,585 |
| Tier 1 risk-based capital ratio | 14.9014% | 2,821 |
| Total risk-based capital ratio | 15.8644% | 2,858 |
| Memoranda: | ||
| Average total assets | $447,504,400 | 1,565 |
| Average earning assets | $413,415,800 | 1,573 |
| Average equity | $46,549,200 | 1,703 |
| Average total loans | $386,198,800 | 1,305 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1532% | 4,029 |
| Cost of funding earning assets | 0.6125% | 3,632 |
| Net interest margin | 3.5408% | 3,435 |
| Noninterest income to average assets | 0.5104% | 2,668 |
| Noninterest expense to average assets | 3.4151% | 1,060 |
| Loan and lease loss provision to assets | 0.0030% | 3,806 |
| Net operating income to assets | 0.2953% | 4,847 |
| Return on assets (ROA) | 0.2953% | 4,866 |
| Pretax return on assets | 0.3621% | 4,846 |
| Return on Equity (ROE) | 2.8533% | 4,788 |
| Retained earnings to average equity (ytd only) | 2.8533% | 3,950 |
| Net charge-offs to loans | 0.0073% | 3,119 |
| Credit loss provision to net charge-offs | 47.6190% | 2,809 |
| Earnings coverage of net charge-offs (x) | 58.2843% | 1,070 |
| Efficiency ratio | 90.3409% | 313 |
| Assets per employee ($millions) | 5.2136% | 2,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7910% | 4,433 |
| Loan loss allowance to noncurrent loans | 156.5061% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 2,778 |
| Noncurrent loans to loans | 0.5054% | 2,781 |
| Net loans and leases to total assets | 85.4605% | 226 |
| Net loans and leases to deposits | 107.2114% | 286 |
| Net loans and leases to core deposits | 111.4183% | 876 |
| Total domestic deposits to total assets | 79.7122% | 4,045 |
| Equity capital to assets | 10.4632% | 3,571 |
| Core capital (leverage) ratio | 11.0647% | 2,589 |
| Tier 1 risk-based capital ratio | 14.9384% | 2,878 |
| Total risk-based capital ratio | 15.8977% | 2,933 |
| Memoranda: | ||
| Average total assets | $446,951,000 | 1,570 |
| Average earning assets | $412,743,250 | 1,582 |
| Average equity | $46,260,500 | 1,710 |
| Average total loans | $384,820,500 | 1,314 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1652% | 4,005 |
| Cost of funding earning assets | 0.6159% | 3,571 |
| Net interest margin | 3.5492% | 3,437 |
| Noninterest income to average assets | 0.5120% | 2,614 |
| Noninterest expense to average assets | 3.4058% | 1,094 |
| Loan and lease loss provision to assets | 0.0179% | 3,428 |
| Net operating income to assets | 0.2988% | 4,875 |
| Return on assets (ROA) | 0.2988% | 4,885 |
| Pretax return on assets | 0.3664% | 4,868 |
| Return on Equity (ROE) | 2.8973% | 4,807 |
| Retained earnings to average equity (ytd only) | 2.8973% | 3,768 |
| Net charge-offs to loans | 0.0088% | 2,823 |
| Credit loss provision to net charge-offs | 235.2941% | 1,071 |
| Earnings coverage of net charge-offs (x) | 50.4706% | 1,086 |
| Efficiency ratio | 89.8594% | 354 |
| Assets per employee ($millions) | 5.2312% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8081% | 4,415 |
| Loan loss allowance to noncurrent loans | 211.5753% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3245% | 3,236 |
| Noncurrent loans to loans | 0.3820% | 3,157 |
| Net loans and leases to total assets | 84.2793% | 334 |
| Net loans and leases to deposits | 107.0578% | 302 |
| Net loans and leases to core deposits | 111.2706% | 899 |
| Total domestic deposits to total assets | 78.7232% | 4,271 |
| Equity capital to assets | 10.3482% | 3,650 |
| Core capital (leverage) ratio | 10.8745% | 2,717 |
| Tier 1 risk-based capital ratio | 14.9391% | 2,875 |
| Total risk-based capital ratio | 15.9152% | 2,914 |
| Memoranda: | ||
| Average total assets | $446,477,330 | 1,573 |
| Average earning assets | $412,372,670 | 1,586 |
| Average equity | $46,042,670 | 1,712 |
| Average total loans | $384,348,670 | 1,322 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1759% | 3,939 |
| Cost of funding earning assets | 0.5690% | 3,739 |
| Net interest margin | 3.6069% | 3,230 |
| Noninterest income to average assets | 0.5279% | 2,392 |
| Noninterest expense to average assets | 3.4552% | 1,032 |
| Loan and lease loss provision to assets | 0.0270% | 3,068 |
| Net operating income to assets | 0.3058% | 4,893 |
| Return on assets (ROA) | 0.3058% | 4,897 |
| Pretax return on assets | 0.3750% | 4,872 |
| Return on Equity (ROE) | 2.9703% | 4,789 |
| Retained earnings to average equity (ytd only) | 2.9703% | 3,742 |
| Net charge-offs to loans | 0.0083% | 2,394 |
| Credit loss provision to net charge-offs | 375.0000% | 719 |
| Earnings coverage of net charge-offs (x) | 55.8750% | 958 |
| Efficiency ratio | 89.5780% | 414 |
| Assets per employee ($millions) | 5.3294% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7995% | 4,526 |
| Loan loss allowance to noncurrent loans | 188.5226% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 3,137 |
| Noncurrent loans to loans | 0.4241% | 3,070 |
| Net loans and leases to total assets | 85.5913% | 223 |
| Net loans and leases to deposits | 112.4608% | 171 |
| Net loans and leases to core deposits | 116.3914% | 637 |
| Total domestic deposits to total assets | 76.1077% | 4,748 |
| Equity capital to assets | 10.2844% | 3,536 |
| Core capital (leverage) ratio | 10.8754% | 2,683 |
| Tier 1 risk-based capital ratio | 14.6713% | 3,024 |
| Total risk-based capital ratio | 15.6361% | 3,078 |
| Memoranda: | ||
| Average total assets | $444,774,000 | 1,585 |
| Average earning assets | $410,546,500 | 1,596 |
| Average equity | $45,786,500 | 1,713 |
| Average total loans | $385,399,000 | 1,324 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9861% | 4,065 |
| Cost of funding earning assets | 0.3926% | 4,029 |
| Net interest margin | 3.5935% | 3,404 |
| Noninterest income to average assets | 0.4779% | 2,952 |
| Noninterest expense to average assets | 3.3508% | 1,223 |
| Loan and lease loss provision to assets | -0.0569% | 5,212 |
| Net operating income to assets | 0.4018% | 4,861 |
| Return on assets (ROA) | 0.3969% | 4,866 |
| Pretax return on assets | 0.4897% | 4,811 |
| Return on Equity (ROE) | 3.9272% | 4,729 |
| Retained earnings to average equity (ytd only) | 3.9272% | 3,418 |
| Net charge-offs to loans | 0.0172% | 3,107 |
| Credit loss provision to net charge-offs | -384.6154% | 4,594 |
| Earnings coverage of net charge-offs (x) | 29.6769% | 1,614 |
| Efficiency ratio | 88.4172% | 411 |
| Assets per employee ($millions) | 5.1382% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7973% | 4,547 |
| Loan loss allowance to noncurrent loans | 204.2638% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 3,195 |
| Noncurrent loans to loans | 0.3903% | 3,135 |
| Net loans and leases to total assets | 86.3309% | 220 |
| Net loans and leases to deposits | 110.3334% | 245 |
| Net loans and leases to core deposits | 113.0458% | 831 |
| Total domestic deposits to total assets | 78.2455% | 4,451 |
| Equity capital to assets | 10.3044% | 3,371 |
| Core capital (leverage) ratio | 10.9393% | 2,583 |
| Tier 1 risk-based capital ratio | 14.7150% | 2,960 |
| Total risk-based capital ratio | 15.6827% | 3,010 |
| Memoranda: | ||
| Average total assets | $439,451,800 | 1,563 |
| Average earning assets | $405,006,600 | 1,568 |
| Average equity | $44,408,600 | 1,678 |
| Average total loans | $377,028,600 | 1,319 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9552% | 4,061 |
| Cost of funding earning assets | 0.3752% | 4,022 |
| Net interest margin | 3.5800% | 3,434 |
| Noninterest income to average assets | 0.5053% | 2,839 |
| Noninterest expense to average assets | 3.4259% | 1,081 |
| Loan and lease loss provision to assets | -0.1094% | 5,356 |
| Net operating income to assets | 0.3961% | 4,964 |
| Return on assets (ROA) | 0.3895% | 4,976 |
| Pretax return on assets | 0.4797% | 4,929 |
| Return on Equity (ROE) | 3.8735% | 4,847 |
| Retained earnings to average equity (ytd only) | 3.8735% | 3,841 |
| Net charge-offs to loans | 0.0217% | 2,704 |
| Credit loss provision to net charge-offs | -590.1639% | 4,529 |
| Earnings coverage of net charge-offs (x) | 20.4265% | 1,960 |
| Efficiency ratio | 90.0495% | 322 |
| Assets per employee ($millions) | 4.9460% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7907% | 4,653 |
| Loan loss allowance to noncurrent loans | 198.5245% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 3,298 |
| Noncurrent loans to loans | 0.3983% | 3,226 |
| Net loans and leases to total assets | 85.3278% | 329 |
| Net loans and leases to deposits | 107.7678% | 365 |
| Net loans and leases to core deposits | 109.8181% | 1,045 |
| Total domestic deposits to total assets | 79.1775% | 4,285 |
| Equity capital to assets | 10.2728% | 3,369 |
| Core capital (leverage) ratio | 10.9260% | 2,653 |
| Tier 1 risk-based capital ratio | 15.1049% | 2,837 |
| Total risk-based capital ratio | 16.0743% | 2,880 |
| Memoranda: | ||
| Average total assets | $438,844,500 | 1,576 |
| Average earning assets | $404,420,000 | 1,583 |
| Average equity | $44,127,500 | 1,694 |
| Average total loans | $375,149,250 | 1,325 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9265% | 4,005 |
| Cost of funding earning assets | 0.3579% | 4,021 |
| Net interest margin | 3.5686% | 3,415 |
| Noninterest income to average assets | 0.4795% | 2,978 |
| Noninterest expense to average assets | 3.3892% | 1,148 |
| Loan and lease loss provision to assets | -0.0500% | 5,376 |
| Net operating income to assets | 0.3504% | 5,048 |
| Return on assets (ROA) | 0.3504% | 5,047 |
| Pretax return on assets | 0.4300% | 5,015 |
| Return on Equity (ROE) | 3.5099% | 4,925 |
| Retained earnings to average equity (ytd only) | 3.5099% | 3,834 |
| Net charge-offs to loans | 0.0240% | 2,386 |
| Credit loss provision to net charge-offs | -244.4444% | 4,228 |
| Earnings coverage of net charge-offs (x) | 18.5778% | 1,895 |
| Efficiency ratio | 89.9192% | 375 |
| Assets per employee ($millions) | 5.0773% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8604% | 4,512 |
| Loan loss allowance to noncurrent loans | 196.8273% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 3,242 |
| Noncurrent loans to loans | 0.4372% | 3,128 |
| Net loans and leases to total assets | 85.1258% | 341 |
| Net loans and leases to deposits | 105.6999% | 455 |
| Net loans and leases to core deposits | 107.9936% | 1,118 |
| Total domestic deposits to total assets | 80.5354% | 4,124 |
| Equity capital to assets | 10.1228% | 3,515 |
| Core capital (leverage) ratio | 10.6538% | 2,864 |
| Tier 1 risk-based capital ratio | 14.8349% | 2,955 |
| Total risk-based capital ratio | 15.8809% | 2,972 |
| Memoranda: | ||
| Average total assets | $440,044,330 | 1,584 |
| Average earning assets | $405,650,000 | 1,589 |
| Average equity | $43,932,670 | 1,706 |
| Average total loans | $375,417,330 | 1,320 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8736% | 4,007 |
| Cost of funding earning assets | 0.3298% | 4,135 |
| Net interest margin | 3.5438% | 3,370 |
| Noninterest income to average assets | 0.4826% | 2,918 |
| Noninterest expense to average assets | 3.3929% | 1,174 |
| Loan and lease loss provision to assets | -0.0679% | 5,480 |
| Net operating income to assets | 0.3477% | 5,011 |
| Return on assets (ROA) | 0.3477% | 5,015 |
| Pretax return on assets | 0.4265% | 4,993 |
| Return on Equity (ROE) | 3.5070% | 4,890 |
| Retained earnings to average equity (ytd only) | 3.5070% | 3,803 |
| Net charge-offs to loans | 0.0277% | 1,944 |
| Credit loss provision to net charge-offs | -288.4615% | 3,871 |
| Earnings coverage of net charge-offs (x) | 15.2308% | 1,674 |
| Efficiency ratio | 90.4417% | 423 |
| Assets per employee ($millions) | 5.2594% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 4,557 |
| Loan loss allowance to noncurrent loans | 179.7260% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 3,180 |
| Noncurrent loans to loans | 0.4858% | 3,063 |
| Net loans and leases to total assets | 84.2873% | 411 |
| Net loans and leases to deposits | 107.6120% | 323 |
| Net loans and leases to core deposits | 109.3376% | 1,044 |
| Total domestic deposits to total assets | 78.3252% | 4,681 |
| Equity capital to assets | 9.9344% | 3,662 |
| Core capital (leverage) ratio | 10.4365% | 3,025 |
| Tier 1 risk-based capital ratio | 14.4918% | 3,125 |
| Total risk-based capital ratio | 15.5505% | 3,142 |
| Memoranda: | ||
| Average total assets | $441,741,500 | 1,588 |
| Average earning assets | $407,471,000 | 1,594 |
| Average equity | $43,798,500 | 1,716 |
| Average total loans | $375,662,000 | 1,324 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8155% | 3,998 |
| Cost of funding earning assets | 0.2255% | 4,751 |
| Net interest margin | 3.5900% | 3,207 |
| Noninterest income to average assets | 0.4916% | 3,049 |
| Noninterest expense to average assets | 3.3461% | 1,297 |
| Loan and lease loss provision to assets | 0.0023% | 4,197 |
| Net operating income to assets | -0.1161% | 5,422 |
| Return on assets (ROA) | -0.1161% | 5,425 |
| Pretax return on assets | 0.4333% | 5,038 |
| Return on Equity (ROE) | -1.1333% | 5,434 |
| Retained earnings to average equity (ytd only) | -1.1333% | 5,200 |
| Net charge-offs to loans | -0.0312% | 5,072 |
| Credit loss provision to net charge-offs | -8.8496% | 4,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4802% | 502 |
| Assets per employee ($millions) | 5.1360% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 4,473 |
| Loan loss allowance to noncurrent loans | 214.5305% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 3,439 |
| Noncurrent loans to loans | 0.4195% | 3,272 |
| Net loans and leases to total assets | 84.2871% | 419 |
| Net loans and leases to deposits | 106.3221% | 389 |
| Net loans and leases to core deposits | 107.5662% | 1,171 |
| Total domestic deposits to total assets | 79.2752% | 4,487 |
| Equity capital to assets | 9.8955% | 3,822 |
| Core capital (leverage) ratio | 10.5324% | 2,808 |
| Tier 1 risk-based capital ratio | 14.2739% | 3,211 |
| Total risk-based capital ratio | 15.3568% | 3,206 |
| Memoranda: | ||
| Average total assets | $430,616,400 | 1,612 |
| Average earning assets | $394,653,800 | 1,614 |
| Average equity | $44,117,800 | 1,681 |
| Average total loans | $362,709,600 | 1,340 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8262% | 3,915 |
| Cost of funding earning assets | 0.2169% | 4,836 |
| Net interest margin | 3.6093% | 3,113 |
| Noninterest income to average assets | 0.4597% | 3,276 |
| Noninterest expense to average assets | 3.3697% | 1,203 |
| Loan and lease loss provision to assets | -0.0031% | 5,438 |
| Net operating income to assets | 0.2792% | 5,257 |
| Return on assets (ROA) | 0.2792% | 5,274 |
| Pretax return on assets | 0.3961% | 5,195 |
| Return on Equity (ROE) | 2.7016% | 5,176 |
| Retained earnings to average equity (ytd only) | 2.7016% | 4,280 |
| Net charge-offs to loans | -0.0434% | 5,120 |
| Credit loss provision to net charge-offs | 8.5470% | 3,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5561% | 428 |
| Assets per employee ($millions) | 5.0988% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9224% | 4,455 |
| Loan loss allowance to noncurrent loans | 228.7559% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.3533% | 3,621 |
| Noncurrent loans to loans | 0.4032% | 3,495 |
| Net loans and leases to total assets | 83.3993% | 498 |
| Net loans and leases to deposits | 103.2001% | 540 |
| Net loans and leases to core deposits | 104.3616% | 1,362 |
| Total domestic deposits to total assets | 80.8132% | 4,099 |
| Equity capital to assets | 10.3420% | 3,544 |
| Core capital (leverage) ratio | 10.9068% | 2,542 |
| Tier 1 risk-based capital ratio | 14.7691% | 3,025 |
| Total risk-based capital ratio | 15.8516% | 3,046 |
| Memoranda: | ||
| Average total assets | $427,847,000 | 1,623 |
| Average earning assets | $391,532,000 | 1,636 |
| Average equity | $44,220,250 | 1,697 |
| Average total loans | $359,469,000 | 1,360 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7806% | 3,959 |
| Cost of funding earning assets | 0.2044% | 4,929 |
| Net interest margin | 3.5762% | 3,121 |
| Noninterest income to average assets | 0.4296% | 3,494 |
| Noninterest expense to average assets | 3.4005% | 1,162 |
| Loan and lease loss provision to assets | 0.0610% | 2,740 |
| Net operating income to assets | 0.1803% | 5,422 |
| Return on assets (ROA) | 0.1803% | 5,428 |
| Pretax return on assets | 0.2455% | 5,394 |
| Return on Equity (ROE) | 1.7447% | 5,374 |
| Retained earnings to average equity (ytd only) | 1.7447% | 4,550 |
| Net charge-offs to loans | 0.0112% | 3,068 |
| Credit loss provision to net charge-offs | 650.0000% | 526 |
| Earnings coverage of net charge-offs (x) | 32.6500% | 1,407 |
| Efficiency ratio | 91.7300% | 373 |
| Assets per employee ($millions) | 5.0034% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 4,539 |
| Loan loss allowance to noncurrent loans | 206.1200% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4118% | 3,464 |
| Noncurrent loans to loans | 0.4479% | 3,408 |
| Net loans and leases to total assets | 83.9956% | 448 |
| Net loans and leases to deposits | 100.1929% | 723 |
| Net loans and leases to core deposits | 101.2934% | 1,565 |
| Total domestic deposits to total assets | 83.8339% | 3,267 |
| Equity capital to assets | 10.2920% | 3,578 |
| Core capital (leverage) ratio | 10.7880% | 2,613 |
| Tier 1 risk-based capital ratio | 14.7147% | 3,057 |
| Total risk-based capital ratio | 15.8059% | 3,054 |
| Memoranda: | ||
| Average total assets | $425,997,000 | 1,630 |
| Average earning assets | $390,415,000 | 1,641 |
| Average equity | $44,019,670 | 1,703 |
| Average total loans | $357,687,000 | 1,368 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 3,952 |
| Cost of funding earning assets | 0.2021% | 4,961 |
| Net interest margin | 3.5426% | 3,107 |
| Noninterest income to average assets | 0.5596% | 2,613 |
| Noninterest expense to average assets | 3.4918% | 1,055 |
| Loan and lease loss provision to assets | 0.0802% | 2,207 |
| Net operating income to assets | 0.1708% | 5,432 |
| Return on assets (ROA) | 0.1708% | 5,444 |
| Pretax return on assets | 0.2303% | 5,406 |
| Return on Equity (ROE) | 1.6497% | 5,393 |
| Retained earnings to average equity (ytd only) | 1.6497% | 4,446 |
| Net charge-offs to loans | 0.0158% | 2,484 |
| Credit loss provision to net charge-offs | 607.1429% | 506 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,386 |
| Efficiency ratio | 91.8342% | 457 |
| Assets per employee ($millions) | 5.0384% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 4,640 |
| Loan loss allowance to noncurrent loans | 238.4670% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 3,258 |
| Noncurrent loans to loans | 0.3901% | 3,709 |
| Net loans and leases to total assets | 82.7883% | 482 |
| Net loans and leases to deposits | 99.7084% | 633 |
| Net loans and leases to core deposits | 100.7556% | 1,457 |
| Total domestic deposits to total assets | 83.0305% | 3,820 |
| Equity capital to assets | 10.2713% | 3,444 |
| Core capital (leverage) ratio | 10.9261% | 2,444 |
| Tier 1 risk-based capital ratio | 15.0062% | 2,962 |
| Total risk-based capital ratio | 16.1113% | 2,965 |
| Memoranda: | ||
| Average total assets | $423,848,000 | 1,650 |
| Average earning assets | $387,967,000 | 1,665 |
| Average equity | $43,886,500 | 1,714 |
| Average total loans | $354,132,000 | 1,385 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7382% | 4,098 |
| Cost of funding earning assets | 0.1930% | 5,090 |
| Net interest margin | 3.5451% | 3,268 |
| Noninterest income to average assets | 0.5548% | 2,887 |
| Noninterest expense to average assets | 3.4217% | 1,307 |
| Loan and lease loss provision to assets | 0.0234% | 3,898 |
| Net operating income to assets | 0.2601% | 5,301 |
| Return on assets (ROA) | 0.2601% | 5,371 |
| Pretax return on assets | 0.3502% | 5,298 |
| Return on Equity (ROE) | 2.4603% | 5,299 |
| Retained earnings to average equity (ytd only) | 2.4603% | 4,124 |
| Net charge-offs to loans | 0.0520% | 3,001 |
| Credit loss provision to net charge-offs | 53.9326% | 3,331 |
| Earnings coverage of net charge-offs (x) | 8.6236% | 2,851 |
| Efficiency ratio | 90.1577% | 545 |
| Assets per employee ($millions) | 4.8211% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 4,651 |
| Loan loss allowance to noncurrent loans | 229.5983% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 3,099 |
| Noncurrent loans to loans | 0.4050% | 3,698 |
| Net loans and leases to total assets | 82.7606% | 512 |
| Net loans and leases to deposits | 98.1208% | 818 |
| Net loans and leases to core deposits | 99.4422% | 1,670 |
| Total domestic deposits to total assets | 84.3456% | 3,294 |
| Equity capital to assets | 10.4391% | 3,223 |
| Core capital (leverage) ratio | 11.2148% | 2,160 |
| Tier 1 risk-based capital ratio | 15.3814% | 2,800 |
| Total risk-based capital ratio | 16.4949% | 2,799 |
| Memoranda: | ||
| Average total assets | $410,931,400 | 1,642 |
| Average earning assets | $375,612,400 | 1,654 |
| Average equity | $43,450,000 | 1,709 |
| Average total loans | $342,422,000 | 1,367 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7479% | 4,088 |
| Cost of funding earning assets | 0.1923% | 5,149 |
| Net interest margin | 3.5556% | 3,251 |
| Noninterest income to average assets | 0.5920% | 2,705 |
| Noninterest expense to average assets | 3.3694% | 1,416 |
| Loan and lease loss provision to assets | 0.0607% | 3,032 |
| Net operating income to assets | 0.3043% | 5,275 |
| Return on assets (ROA) | 0.3043% | 5,362 |
| Pretax return on assets | 0.4119% | 5,284 |
| Return on Equity (ROE) | 2.8685% | 5,252 |
| Retained earnings to average equity (ytd only) | 2.8685% | 4,177 |
| Net charge-offs to loans | 0.0658% | 2,398 |
| Credit loss provision to net charge-offs | 110.7143% | 2,218 |
| Earnings coverage of net charge-offs (x) | 8.6252% | 2,747 |
| Efficiency ratio | 87.6995% | 693 |
| Assets per employee ($millions) | 4.8988% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 4,620 |
| Loan loss allowance to noncurrent loans | 519.0108% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 3,938 |
| Noncurrent loans to loans | 0.1849% | 4,608 |
| Net loans and leases to total assets | 82.2709% | 580 |
| Net loans and leases to deposits | 99.0849% | 765 |
| Net loans and leases to core deposits | 100.3384% | 1,604 |
| Total domestic deposits to total assets | 83.0307% | 3,585 |
| Equity capital to assets | 10.4252% | 3,640 |
| Core capital (leverage) ratio | 11.1692% | 2,296 |
| Tier 1 risk-based capital ratio | 15.3028% | 2,914 |
| Total risk-based capital ratio | 16.4470% | 2,896 |
| Memoranda: | ||
| Average total assets | $408,805,750 | 1,658 |
| Average earning assets | $373,675,750 | 1,666 |
| Average equity | $43,366,250 | 1,720 |
| Average total loans | $340,431,500 | 1,372 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7669% | 4,067 |
| Cost of funding earning assets | 0.1919% | 5,222 |
| Net interest margin | 3.5749% | 3,193 |
| Noninterest income to average assets | 0.5130% | 3,108 |
| Noninterest expense to average assets | 3.3738% | 1,422 |
| Loan and lease loss provision to assets | 0.1211% | 1,888 |
| Net operating income to assets | 0.2115% | 5,503 |
| Return on assets (ROA) | 0.2115% | 5,563 |
| Pretax return on assets | 0.2867% | 5,520 |
| Return on Equity (ROE) | 1.9823% | 5,511 |
| Retained earnings to average equity (ytd only) | 1.9823% | 4,574 |
| Net charge-offs to loans | 0.0552% | 2,409 |
| Credit loss provision to net charge-offs | 263.4409% | 1,060 |
| Earnings coverage of net charge-offs (x) | 8.8710% | 2,474 |
| Efficiency ratio | 89.2171% | 641 |
| Assets per employee ($millions) | 4.7930% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 4,419 |
| Loan loss allowance to noncurrent loans | 313.4650% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 3,172 |
| Noncurrent loans to loans | 0.3246% | 4,203 |
| Net loans and leases to total assets | 81.4600% | 685 |
| Net loans and leases to deposits | 95.0731% | 1,177 |
| Net loans and leases to core deposits | 96.5961% | 1,928 |
| Total domestic deposits to total assets | 85.6815% | 2,569 |
| Equity capital to assets | 10.4268% | 3,711 |
| Core capital (leverage) ratio | 11.1249% | 2,304 |
| Tier 1 risk-based capital ratio | 15.4872% | 2,865 |
| Total risk-based capital ratio | 16.7033% | 2,812 |
| Memoranda: | ||
| Average total assets | $404,642,000 | 1,667 |
| Average earning assets | $369,964,000 | 1,684 |
| Average equity | $43,181,330 | 1,727 |
| Average total loans | $337,254,330 | 1,383 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8172% | 3,884 |
| Cost of funding earning assets | 0.1911% | 5,274 |
| Net interest margin | 3.6261% | 2,984 |
| Noninterest income to average assets | 0.5381% | 2,881 |
| Noninterest expense to average assets | 3.4693% | 1,240 |
| Loan and lease loss provision to assets | 0.0602% | 2,744 |
| Net operating income to assets | 0.2349% | 5,465 |
| Return on assets (ROA) | 0.2349% | 5,527 |
| Pretax return on assets | 0.3232% | 5,465 |
| Return on Equity (ROE) | 2.1751% | 5,463 |
| Retained earnings to average equity (ytd only) | 2.1751% | 4,388 |
| Net charge-offs to loans | 0.0239% | 2,453 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 19.1000% | 1,524 |
| Efficiency ratio | 90.0469% | 673 |
| Assets per employee ($millions) | 4.5482% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 4,571 |
| Loan loss allowance to noncurrent loans | 216.1125% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.6186% | 3,209 |
| Noncurrent loans to loans | 0.4654% | 3,782 |
| Net loans and leases to total assets | 83.1230% | 444 |
| Net loans and leases to deposits | 97.2957% | 816 |
| Net loans and leases to core deposits | 98.2412% | 1,617 |
| Total domestic deposits to total assets | 85.4333% | 2,940 |
| Equity capital to assets | 10.8010% | 3,161 |
| Core capital (leverage) ratio | 11.4626% | 2,000 |
| Tier 1 risk-based capital ratio | 15.7919% | 2,786 |
| Total risk-based capital ratio | 16.9985% | 2,742 |
| Memoranda: | ||
| Average total assets | $398,467,500 | 1,694 |
| Average earning assets | $364,249,500 | 1,708 |
| Average equity | $43,032,500 | 1,727 |
| Average total loans | $334,295,000 | 1,385 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8857% | 3,757 |
| Cost of funding earning assets | 0.2257% | 5,039 |
| Net interest margin | 3.6600% | 2,901 |
| Noninterest income to average assets | 0.4714% | 3,522 |
| Noninterest expense to average assets | 3.4490% | 1,387 |
| Loan and lease loss provision to assets | 0.0865% | 2,562 |
| Net operating income to assets | 0.2065% | 5,557 |
| Return on assets (ROA) | 0.2065% | 5,622 |
| Pretax return on assets | 0.2775% | 5,566 |
| Return on Equity (ROE) | 1.9500% | 5,579 |
| Retained earnings to average equity (ytd only) | 1.9500% | 4,614 |
| Net charge-offs to loans | 0.0120% | 4,062 |
| Credit loss provision to net charge-offs | 882.0513% | 384 |
| Earnings coverage of net charge-offs (x) | 37.1026% | 1,246 |
| Efficiency ratio | 90.4539% | 663 |
| Assets per employee ($millions) | 4.4077% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 4,577 |
| Loan loss allowance to noncurrent loans | 207.5823% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.6355% | 3,160 |
| Noncurrent loans to loans | 0.4839% | 3,751 |
| Net loans and leases to total assets | 82.9803% | 487 |
| Net loans and leases to deposits | 96.3591% | 977 |
| Net loans and leases to core deposits | 97.3251% | 1,728 |
| Total domestic deposits to total assets | 86.1157% | 2,582 |
| Equity capital to assets | 10.7980% | 3,033 |
| Core capital (leverage) ratio | 11.2124% | 2,203 |
| Tier 1 risk-based capital ratio | 15.9571% | 2,706 |
| Total risk-based capital ratio | 17.1685% | 2,665 |
| Memoranda: | ||
| Average total assets | $397,529,800 | 1,662 |
| Average earning assets | $362,948,200 | 1,668 |
| Average equity | $42,103,200 | 1,727 |
| Average total loans | $325,696,600 | 1,367 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9255% | 3,655 |
| Cost of funding earning assets | 0.2359% | 5,030 |
| Net interest margin | 3.6896% | 2,808 |
| Noninterest income to average assets | 0.4898% | 3,443 |
| Noninterest expense to average assets | 3.4668% | 1,352 |
| Loan and lease loss provision to assets | 0.0148% | 3,974 |
| Net operating income to assets | 0.2699% | 5,535 |
| Return on assets (ROA) | 0.2699% | 5,610 |
| Pretax return on assets | 0.3741% | 5,515 |
| Return on Equity (ROE) | 2.5604% | 5,535 |
| Retained earnings to average equity (ytd only) | 2.5604% | 4,598 |
| Net charge-offs to loans | -0.0021% | 4,705 |
| Credit loss provision to net charge-offs | -880.0000% | 5,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9148% | 708 |
| Assets per employee ($millions) | 4.3475% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 4,981 |
| Loan loss allowance to noncurrent loans | 119.7670% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.9801% | 2,398 |
| Noncurrent loans to loans | 0.7937% | 2,976 |
| Net loans and leases to total assets | 82.1281% | 568 |
| Net loans and leases to deposits | 97.1242% | 895 |
| Net loans and leases to core deposits | 98.3022% | 1,667 |
| Total domestic deposits to total assets | 84.5599% | 3,191 |
| Equity capital to assets | 10.8589% | 3,182 |
| Core capital (leverage) ratio | 11.3265% | 2,168 |
| Tier 1 risk-based capital ratio | 16.3351% | 2,656 |
| Total risk-based capital ratio | 17.4815% | 2,656 |
| Memoranda: | ||
| Average total assets | $397,739,000 | 1,672 |
| Average earning assets | $362,853,250 | 1,684 |
| Average equity | $41,920,250 | 1,753 |
| Average total loans | $323,991,500 | 1,380 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7602% | 4,206 |
| Cost of funding earning assets | 0.2460% | 4,983 |
| Net interest margin | 3.5142% | 3,444 |
| Noninterest income to average assets | 0.4816% | 3,492 |
| Noninterest expense to average assets | 3.5289% | 1,249 |
| Loan and lease loss provision to assets | 0.1215% | 1,822 |
| Net operating income to assets | 0.0440% | 5,944 |
| Return on assets (ROA) | 0.0440% | 5,985 |
| Pretax return on assets | 0.0315% | 5,993 |
| Return on Equity (ROE) | 0.4217% | 5,975 |
| Retained earnings to average equity (ytd only) | 0.4217% | 5,374 |
| Net charge-offs to loans | 0.0889% | 2,141 |
| Credit loss provision to net charge-offs | 168.7500% | 1,416 |
| Earnings coverage of net charge-offs (x) | 2.1250% | 3,402 |
| Efficiency ratio | 95.8435% | 439 |
| Assets per employee ($millions) | 4.4294% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 5,018 |
| Loan loss allowance to noncurrent loans | 141.4898% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.8621% | 2,827 |
| Noncurrent loans to loans | 0.6833% | 3,441 |
| Net loans and leases to total assets | 79.6406% | 851 |
| Net loans and leases to deposits | 91.5266% | 1,421 |
| Net loans and leases to core deposits | 92.8500% | 2,080 |
| Total domestic deposits to total assets | 87.0136% | 2,163 |
| Equity capital to assets | 10.3400% | 3,632 |
| Core capital (leverage) ratio | 11.0105% | 2,410 |
| Tier 1 risk-based capital ratio | 15.3457% | 3,181 |
| Total risk-based capital ratio | 16.4572% | 3,182 |
| Memoranda: | ||
| Average total assets | $399,894,330 | 1,671 |
| Average earning assets | $364,181,000 | 1,683 |
| Average equity | $41,731,000 | 1,768 |
| Average total loans | $323,845,670 | 1,385 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7356% | 4,247 |
| Cost of funding earning assets | 0.2627% | 4,873 |
| Net interest margin | 3.4729% | 3,540 |
| Noninterest income to average assets | 0.5152% | 3,184 |
| Noninterest expense to average assets | 3.4647% | 1,382 |
| Loan and lease loss provision to assets | 0.1456% | 1,391 |
| Net operating income to assets | 0.0673% | 5,929 |
| Return on assets (ROA) | 0.0673% | 5,981 |
| Pretax return on assets | 0.0653% | 5,984 |
| Return on Equity (ROE) | 0.6418% | 5,970 |
| Retained earnings to average equity (ytd only) | 0.6418% | 5,183 |
| Net charge-offs to loans | 0.1817% | 1,201 |
| Credit loss provision to net charge-offs | 98.6395% | 1,678 |
| Earnings coverage of net charge-offs (x) | 1.4286% | 2,921 |
| Efficiency ratio | 94.2623% | 584 |
| Assets per employee ($millions) | 4.1787% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 5,281 |
| Loan loss allowance to noncurrent loans | 110.0508% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.0117% | 2,600 |
| Noncurrent loans to loans | 0.8564% | 3,104 |
| Net loans and leases to total assets | 80.3020% | 653 |
| Net loans and leases to deposits | 92.6333% | 1,119 |
| Net loans and leases to core deposits | 94.0798% | 1,760 |
| Total domestic deposits to total assets | 86.6881% | 2,559 |
| Equity capital to assets | 10.5294% | 3,501 |
| Core capital (leverage) ratio | 11.1109% | 2,307 |
| Tier 1 risk-based capital ratio | 15.7187% | 3,051 |
| Total risk-based capital ratio | 16.8415% | 3,045 |
| Memoranda: | ||
| Average total assets | $398,303,500 | 1,682 |
| Average earning assets | $362,459,500 | 1,695 |
| Average equity | $41,757,500 | 1,771 |
| Average total loans | $323,695,500 | 1,384 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9054% | 4,110 |
| Cost of funding earning assets | 0.2873% | 4,928 |
| Net interest margin | 3.6181% | 3,339 |
| Noninterest income to average assets | 0.5065% | 3,456 |
| Noninterest expense to average assets | 3.4133% | 1,672 |
| Loan and lease loss provision to assets | 0.0406% | 3,766 |
| Net operating income to assets | 0.2516% | 5,656 |
| Return on assets (ROA) | 0.2516% | 5,711 |
| Pretax return on assets | 0.3472% | 5,606 |
| Return on Equity (ROE) | 2.3774% | 5,666 |
| Retained earnings to average equity (ytd only) | 2.3774% | 4,535 |
| Net charge-offs to loans | 0.0802% | 3,343 |
| Credit loss provision to net charge-offs | 61.5094% | 3,258 |
| Earnings coverage of net charge-offs (x) | 5.8792% | 3,331 |
| Efficiency ratio | 89.7977% | 857 |
| Assets per employee ($millions) | 4.2514% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 5,360 |
| Loan loss allowance to noncurrent loans | 105.9337% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.0560% | 2,638 |
| Noncurrent loans to loans | 0.8800% | 3,119 |
| Net loans and leases to total assets | 80.7103% | 645 |
| Net loans and leases to deposits | 92.7162% | 1,213 |
| Net loans and leases to core deposits | 94.6879% | 1,850 |
| Total domestic deposits to total assets | 87.0508% | 2,253 |
| Equity capital to assets | 10.4386% | 3,562 |
| Core capital (leverage) ratio | 10.9364% | 2,460 |
| Tier 1 risk-based capital ratio | 16.0438% | 2,939 |
| Total risk-based capital ratio | 17.2154% | 2,926 |
| Memoranda: | ||
| Average total assets | $401,750,000 | 1,637 |
| Average earning assets | $365,828,200 | 1,644 |
| Average equity | $42,525,800 | 1,690 |
| Average total loans | $330,225,600 | 1,327 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8881% | 4,213 |
| Cost of funding earning assets | 0.2906% | 4,979 |
| Net interest margin | 3.5975% | 3,435 |
| Noninterest income to average assets | 0.5127% | 3,460 |
| Noninterest expense to average assets | 3.3797% | 1,719 |
| Loan and lease loss provision to assets | 0.0292% | 3,825 |
| Net operating income to assets | 0.2714% | 5,674 |
| Return on assets (ROA) | 0.2714% | 5,740 |
| Pretax return on assets | 0.3778% | 5,631 |
| Return on Equity (ROE) | 2.5556% | 5,693 |
| Retained earnings to average equity (ytd only) | 2.5556% | 4,763 |
| Net charge-offs to loans | 0.0418% | 3,661 |
| Credit loss provision to net charge-offs | 84.6154% | 2,512 |
| Earnings coverage of net charge-offs (x) | 11.8079% | 2,375 |
| Efficiency ratio | 89.2516% | 900 |
| Assets per employee ($millions) | 4.3921% | 3,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 5,462 |
| Loan loss allowance to noncurrent loans | 86.2393% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.2275% | 2,507 |
| Noncurrent loans to loans | 1.0918% | 2,885 |
| Net loans and leases to total assets | 81.2619% | 581 |
| Net loans and leases to deposits | 93.0582% | 1,125 |
| Net loans and leases to core deposits | 96.1618% | 1,664 |
| Total domestic deposits to total assets | 87.3237% | 2,142 |
| Equity capital to assets | 10.6662% | 3,347 |
| Core capital (leverage) ratio | 11.0417% | 2,449 |
| Tier 1 risk-based capital ratio | 15.7900% | 3,164 |
| Total risk-based capital ratio | 16.9819% | 3,131 |
| Memoranda: | ||
| Average total assets | $402,279,500 | 1,654 |
| Average earning assets | $366,096,000 | 1,654 |
| Average equity | $42,728,250 | 1,695 |
| Average total loans | $331,387,250 | 1,321 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9157% | 4,073 |
| Cost of funding earning assets | 0.2937% | 5,025 |
| Net interest margin | 3.6220% | 3,270 |
| Noninterest income to average assets | 0.5034% | 3,461 |
| Noninterest expense to average assets | 3.3703% | 1,753 |
| Loan and lease loss provision to assets | 0.0100% | 4,039 |
| Net operating income to assets | 0.2963% | 5,576 |
| Return on assets (ROA) | 0.2963% | 5,647 |
| Pretax return on assets | 0.4143% | 5,514 |
| Return on Equity (ROE) | 2.7931% | 5,594 |
| Retained earnings to average equity (ytd only) | 2.7931% | 4,423 |
| Net charge-offs to loans | 0.0048% | 4,215 |
| Credit loss provision to net charge-offs | 250.0000% | 983 |
| Earnings coverage of net charge-offs (x) | 106.5000% | 533 |
| Efficiency ratio | 88.8204% | 1,010 |
| Assets per employee ($millions) | 4.1883% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 5,548 |
| Loan loss allowance to noncurrent loans | 101.1564% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.1692% | 2,741 |
| Noncurrent loans to loans | 0.9431% | 3,359 |
| Net loans and leases to total assets | 81.3082% | 540 |
| Net loans and leases to deposits | 93.0381% | 1,047 |
| Net loans and leases to core deposits | 95.3570% | 1,657 |
| Total domestic deposits to total assets | 87.3923% | 2,251 |
| Equity capital to assets | 10.6718% | 3,226 |
| Core capital (leverage) ratio | 10.9875% | 2,441 |
| Tier 1 risk-based capital ratio | 15.7684% | 3,216 |
| Total risk-based capital ratio | 16.9749% | 3,176 |
| Memoranda: | ||
| Average total assets | $401,682,670 | 1,654 |
| Average earning assets | $364,994,670 | 1,656 |
| Average equity | $42,604,670 | 1,677 |
| Average total loans | $331,357,670 | 1,317 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9697% | 3,813 |
| Cost of funding earning assets | 0.2967% | 5,096 |
| Net interest margin | 3.6730% | 2,980 |
| Noninterest income to average assets | 0.5310% | 3,185 |
| Noninterest expense to average assets | 3.3645% | 1,797 |
| Loan and lease loss provision to assets | -0.0040% | 6,376 |
| Net operating income to assets | 0.3617% | 5,266 |
| Return on assets (ROA) | 0.3617% | 5,332 |
| Pretax return on assets | 0.5131% | 5,129 |
| Return on Equity (ROE) | 3.4203% | 5,312 |
| Retained earnings to average equity (ytd only) | 3.4203% | 4,082 |
| Net charge-offs to loans | 0.0012% | 3,649 |
| Credit loss provision to net charge-offs | -400.0000% | 5,131 |
| Earnings coverage of net charge-offs (x) | 511.0000% | 75 |
| Efficiency ratio | 86.8570% | 1,355 |
| Assets per employee ($millions) | 4.2652% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 5,712 |
| Loan loss allowance to noncurrent loans | 106.8942% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.2459% | 2,778 |
| Noncurrent loans to loans | 0.8864% | 3,666 |
| Net loans and leases to total assets | 82.5471% | 324 |
| Net loans and leases to deposits | 94.6551% | 736 |
| Net loans and leases to core deposits | 96.7446% | 1,329 |
| Total domestic deposits to total assets | 87.2082% | 2,698 |
| Equity capital to assets | 10.7500% | 2,986 |
| Core capital (leverage) ratio | 11.0264% | 2,359 |
| Tier 1 risk-based capital ratio | 15.7857% | 3,279 |
| Total risk-based capital ratio | 16.9967% | 3,270 |
| Memoranda: | ||
| Average total assets | $401,484,500 | 1,664 |
| Average earning assets | $365,369,000 | 1,667 |
| Average equity | $42,452,500 | 1,681 |
| Average total loans | $332,000,500 | 1,324 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8947% | 4,480 |
| Cost of funding earning assets | 0.3425% | 5,216 |
| Net interest margin | 3.5522% | 3,667 |
| Noninterest income to average assets | 0.5902% | 3,148 |
| Noninterest expense to average assets | 3.5171% | 1,613 |
| Loan and lease loss provision to assets | -0.0083% | 6,268 |
| Net operating income to assets | 0.2229% | 5,766 |
| Return on assets (ROA) | 0.2229% | 5,827 |
| Pretax return on assets | 0.3012% | 5,731 |
| Return on Equity (ROE) | 2.1634% | 5,779 |
| Retained earnings to average equity (ytd only) | 2.1634% | 4,707 |
| Net charge-offs to loans | 0.0481% | 4,551 |
| Credit loss provision to net charge-offs | -21.2903% | 5,716 |
| Earnings coverage of net charge-offs (x) | 7.5548% | 2,816 |
| Efficiency ratio | 92.3107% | 854 |
| Assets per employee ($millions) | 4.5145% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 5,787 |
| Loan loss allowance to noncurrent loans | 51.9027% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 1.9997% | 1,797 |
| Noncurrent loans to loans | 1.8126% | 2,218 |
| Net loans and leases to total assets | 81.2930% | 469 |
| Net loans and leases to deposits | 92.5682% | 997 |
| Net loans and leases to core deposits | 94.5568% | 1,559 |
| Total domestic deposits to total assets | 87.8196% | 2,293 |
| Equity capital to assets | 10.4020% | 3,283 |
| Core capital (leverage) ratio | 10.8124% | 2,567 |
| Tier 1 risk-based capital ratio | 15.3945% | 3,433 |
| Total risk-based capital ratio | 16.5889% | 3,411 |
| Memoranda: | ||
| Average total assets | $399,706,600 | 1,651 |
| Average earning assets | $362,308,600 | 1,664 |
| Average equity | $41,184,800 | 1,699 |
| Average total loans | $321,961,600 | 1,324 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9010% | 4,501 |
| Cost of funding earning assets | 0.3539% | 5,259 |
| Net interest margin | 3.5471% | 3,670 |
| Noninterest income to average assets | 0.5912% | 3,207 |
| Noninterest expense to average assets | 3.5043% | 1,604 |
| Loan and lease loss provision to assets | 0.0104% | 4,786 |
| Net operating income to assets | 0.2150% | 5,876 |
| Return on assets (ROA) | 0.2150% | 5,955 |
| Pretax return on assets | 0.2897% | 5,900 |
| Return on Equity (ROE) | 2.0921% | 5,909 |
| Retained earnings to average equity (ytd only) | 2.0921% | 5,073 |
| Net charge-offs to loans | 0.0598% | 4,054 |
| Credit loss provision to net charge-offs | 21.6783% | 4,045 |
| Earnings coverage of net charge-offs (x) | 6.2658% | 3,007 |
| Efficiency ratio | 92.1113% | 847 |
| Assets per employee ($millions) | 4.1873% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 5,823 |
| Loan loss allowance to noncurrent loans | 47.7273% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 2.2050% | 1,803 |
| Noncurrent loans to loans | 2.0421% | 2,203 |
| Net loans and leases to total assets | 82.9396% | 296 |
| Net loans and leases to deposits | 95.0060% | 762 |
| Net loans and leases to core deposits | 97.3049% | 1,286 |
| Total domestic deposits to total assets | 87.2994% | 2,507 |
| Equity capital to assets | 10.4687% | 3,315 |
| Core capital (leverage) ratio | 10.8778% | 2,594 |
| Tier 1 risk-based capital ratio | 15.5027% | 3,470 |
| Total risk-based capital ratio | 16.7434% | 3,430 |
| Memoranda: | ||
| Average total assets | $398,056,250 | 1,660 |
| Average earning assets | $360,585,000 | 1,674 |
| Average equity | $40,915,000 | 1,723 |
| Average total loans | $319,092,750 | 1,334 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8541% | 4,640 |
| Cost of funding earning assets | 0.3628% | 5,295 |
| Net interest margin | 3.4913% | 3,817 |
| Noninterest income to average assets | 0.6538% | 2,894 |
| Noninterest expense to average assets | 3.4890% | 1,628 |
| Loan and lease loss provision to assets | 0.0330% | 4,274 |
| Net operating income to assets | 0.2198% | 5,840 |
| Return on assets (ROA) | 0.2198% | 5,969 |
| Pretax return on assets | 0.2963% | 5,886 |
| Return on Equity (ROE) | 2.1510% | 5,905 |
| Retained earnings to average equity (ytd only) | 2.1510% | 4,907 |
| Net charge-offs to loans | 0.0691% | 3,724 |
| Credit loss provision to net charge-offs | 60.5505% | 3,007 |
| Earnings coverage of net charge-offs (x) | 6.0367% | 2,781 |
| Efficiency ratio | 91.3739% | 945 |
| Assets per employee ($millions) | 4.2425% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 5,736 |
| Loan loss allowance to noncurrent loans | 45.2690% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 2.2094% | 1,955 |
| Noncurrent loans to loans | 2.2528% | 2,115 |
| Net loans and leases to total assets | 79.0327% | 632 |
| Net loans and leases to deposits | 90.1247% | 1,130 |
| Net loans and leases to core deposits | 92.3702% | 1,673 |
| Total domestic deposits to total assets | 87.6926% | 2,447 |
| Equity capital to assets | 10.1654% | 3,706 |
| Core capital (leverage) ratio | 10.7093% | 2,657 |
| Tier 1 risk-based capital ratio | 15.6977% | 3,367 |
| Total risk-based capital ratio | 16.9483% | 3,313 |
| Memoranda: | ||
| Average total assets | $399,541,000 | 1,656 |
| Average earning assets | $362,159,000 | 1,671 |
| Average equity | $40,818,330 | 1,728 |
| Average total loans | $315,568,670 | 1,344 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8691% | 4,590 |
| Cost of funding earning assets | 0.3709% | 5,358 |
| Net interest margin | 3.4982% | 3,706 |
| Noninterest income to average assets | 0.6315% | 2,970 |
| Noninterest expense to average assets | 3.4068% | 1,820 |
| Loan and lease loss provision to assets | 0.1820% | 2,033 |
| Net operating income to assets | 0.1629% | 5,999 |
| Return on assets (ROA) | 0.1629% | 6,101 |
| Pretax return on assets | 0.2102% | 6,054 |
| Return on Equity (ROE) | 1.5905% | 6,058 |
| Retained earnings to average equity (ytd only) | 1.5905% | 5,185 |
| Net charge-offs to loans | 0.0064% | 4,033 |
| Credit loss provision to net charge-offs | 3,620.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 478 |
| Efficiency ratio | 89.6771% | 1,171 |
| Assets per employee ($millions) | 4.1966% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 5,582 |
| Loan loss allowance to noncurrent loans | 46.2117% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 2.6141% | 1,745 |
| Noncurrent loans to loans | 2.3940% | 2,168 |
| Net loans and leases to total assets | 78.5004% | 561 |
| Net loans and leases to deposits | 89.1782% | 1,031 |
| Net loans and leases to core deposits | 91.6861% | 1,533 |
| Total domestic deposits to total assets | 88.0264% | 2,291 |
| Equity capital to assets | 10.2371% | 3,871 |
| Core capital (leverage) ratio | 10.7917% | 2,465 |
| Tier 1 risk-based capital ratio | 15.8810% | 3,332 |
| Total risk-based capital ratio | 17.1327% | 3,297 |
| Memoranda: | ||
| Average total assets | $397,790,500 | 1,683 |
| Average earning assets | $360,184,500 | 1,695 |
| Average equity | $40,742,000 | 1,755 |
| Average total loans | $312,444,500 | 1,365 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 4,111 |
| Cost of funding earning assets | 0.4930% | 5,270 |
| Net interest margin | 3.8302% | 3,100 |
| Noninterest income to average assets | 0.8890% | 1,901 |
| Noninterest expense to average assets | 3.6859% | 1,440 |
| Loan and lease loss provision to assets | 0.0327% | 5,487 |
| Net operating income to assets | 0.4306% | 4,962 |
| Return on assets (ROA) | 0.4293% | 5,214 |
| Pretax return on assets | 0.6098% | 4,969 |
| Return on Equity (ROE) | 4.0925% | 5,103 |
| Retained earnings to average equity (ytd only) | 4.0925% | 3,335 |
| Net charge-offs to loans | 0.2126% | 3,687 |
| Credit loss provision to net charge-offs | 19.4401% | 5,293 |
| Earnings coverage of net charge-offs (x) | 3.8305% | 3,581 |
| Efficiency ratio | 85.1196% | 1,505 |
| Assets per employee ($millions) | 4.2224% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 5,638 |
| Loan loss allowance to noncurrent loans | 49.5677% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 2.3540% | 2,087 |
| Noncurrent loans to loans | 2.1749% | 2,493 |
| Net loans and leases to total assets | 76.8700% | 804 |
| Net loans and leases to deposits | 87.5579% | 1,322 |
| Net loans and leases to core deposits | 90.0332% | 1,828 |
| Total domestic deposits to total assets | 87.7933% | 2,353 |
| Equity capital to assets | 10.2471% | 3,830 |
| Core capital (leverage) ratio | 10.9146% | 2,326 |
| Tier 1 risk-based capital ratio | 16.2531% | 3,026 |
| Total risk-based capital ratio | 17.5043% | 2,979 |
| Memoranda: | ||
| Average total assets | $382,235,600 | 1,705 |
| Average earning assets | $343,427,400 | 1,736 |
| Average equity | $40,098,000 | 1,732 |
| Average total loans | $302,443,400 | 1,384 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3939% | 4,077 |
| Cost of funding earning assets | 0.5086% | 5,385 |
| Net interest margin | 3.8854% | 2,967 |
| Noninterest income to average assets | 0.8999% | 1,826 |
| Noninterest expense to average assets | 3.6635% | 1,428 |
| Loan and lease loss provision to assets | 0.0483% | 5,168 |
| Net operating income to assets | 0.4731% | 4,942 |
| Return on assets (ROA) | 0.4716% | 5,210 |
| Pretax return on assets | 0.6730% | 4,946 |
| Return on Equity (ROE) | 4.4683% | 5,053 |
| Retained earnings to average equity (ytd only) | 4.4683% | 3,750 |
| Net charge-offs to loans | 0.1276% | 4,102 |
| Credit loss provision to net charge-offs | 47.5694% | 4,457 |
| Earnings coverage of net charge-offs (x) | 7.1320% | 2,655 |
| Efficiency ratio | 83.5100% | 1,642 |
| Assets per employee ($millions) | 3.9802% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 5,233 |
| Loan loss allowance to noncurrent loans | 49.8784% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 2.6540% | 1,989 |
| Noncurrent loans to loans | 2.4268% | 2,369 |
| Net loans and leases to total assets | 78.8594% | 625 |
| Net loans and leases to deposits | 89.9635% | 1,149 |
| Net loans and leases to core deposits | 92.5459% | 1,728 |
| Total domestic deposits to total assets | 87.6571% | 2,257 |
| Equity capital to assets | 10.6729% | 3,635 |
| Core capital (leverage) ratio | 11.0688% | 2,323 |
| Tier 1 risk-based capital ratio | 16.2131% | 3,158 |
| Total risk-based capital ratio | 17.4636% | 3,126 |
| Memoranda: | ||
| Average total assets | $378,568,500 | 1,740 |
| Average earning assets | $339,762,750 | 1,772 |
| Average equity | $39,954,750 | 1,756 |
| Average total loans | $300,948,000 | 1,406 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 4,075 |
| Cost of funding earning assets | 0.5270% | 5,448 |
| Net interest margin | 3.9013% | 2,901 |
| Noninterest income to average assets | 0.7600% | 2,372 |
| Noninterest expense to average assets | 3.6864% | 1,400 |
| Loan and lease loss provision to assets | -0.0117% | 7,030 |
| Net operating income to assets | 0.4114% | 5,177 |
| Return on assets (ROA) | 0.4091% | 5,421 |
| Pretax return on assets | 0.5776% | 5,215 |
| Return on Equity (ROE) | 3.8912% | 5,317 |
| Retained earnings to average equity (ytd only) | 3.8912% | 4,027 |
| Net charge-offs to loans | 0.1282% | 3,902 |
| Credit loss provision to net charge-offs | -11.4583% | 5,928 |
| Earnings coverage of net charge-offs (x) | 5.5938% | 2,801 |
| Efficiency ratio | 86.6252% | 1,374 |
| Assets per employee ($millions) | 4.0031% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 5,387 |
| Loan loss allowance to noncurrent loans | 54.3263% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 2.5171% | 2,224 |
| Noncurrent loans to loans | 2.1961% | 2,720 |
| Net loans and leases to total assets | 78.2079% | 694 |
| Net loans and leases to deposits | 89.2509% | 1,223 |
| Net loans and leases to core deposits | 91.8436% | 1,795 |
| Total domestic deposits to total assets | 87.6270% | 2,378 |
| Equity capital to assets | 10.4498% | 3,752 |
| Core capital (leverage) ratio | 10.9849% | 2,308 |
| Tier 1 risk-based capital ratio | 15.8819% | 3,217 |
| Total risk-based capital ratio | 17.1345% | 3,192 |
| Memoranda: | ||
| Average total assets | $377,391,670 | 1,748 |
| Average earning assets | $338,147,330 | 1,777 |
| Average equity | $39,679,330 | 1,757 |
| Average total loans | $299,593,000 | 1,418 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4450% | 4,140 |
| Cost of funding earning assets | 0.5498% | 5,499 |
| Net interest margin | 3.8952% | 2,946 |
| Noninterest income to average assets | 0.6386% | 2,999 |
| Noninterest expense to average assets | 3.6648% | 1,436 |
| Loan and lease loss provision to assets | 0.0674% | 4,568 |
| Net operating income to assets | 0.2931% | 5,682 |
| Return on assets (ROA) | 0.2931% | 5,846 |
| Pretax return on assets | 0.4001% | 5,723 |
| Return on Equity (ROE) | 2.7789% | 5,795 |
| Retained earnings to average equity (ytd only) | 2.7789% | 4,867 |
| Net charge-offs to loans | 0.2166% | 2,845 |
| Credit loss provision to net charge-offs | 39.1304% | 3,463 |
| Earnings coverage of net charge-offs (x) | 2.7143% | 3,094 |
| Efficiency ratio | 88.6875% | 1,207 |
| Assets per employee ($millions) | 3.9591% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 5,246 |
| Loan loss allowance to noncurrent loans | 50.2280% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 2.9191% | 1,981 |
| Noncurrent loans to loans | 2.4889% | 2,615 |
| Net loans and leases to total assets | 78.6544% | 529 |
| Net loans and leases to deposits | 89.4833% | 1,010 |
| Net loans and leases to core deposits | 92.2086% | 1,631 |
| Total domestic deposits to total assets | 87.8984% | 2,396 |
| Equity capital to assets | 10.5391% | 3,443 |
| Core capital (leverage) ratio | 11.1385% | 2,155 |
| Tier 1 risk-based capital ratio | 15.6753% | 3,350 |
| Total risk-based capital ratio | 16.9285% | 3,320 |
| Memoranda: | ||
| Average total assets | $373,940,000 | 1,774 |
| Average earning assets | $335,385,500 | 1,801 |
| Average equity | $39,440,000 | 1,760 |
| Average total loans | $297,300,500 | 1,429 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5332% | 4,940 |
| Cost of funding earning assets | 0.6925% | 5,588 |
| Net interest margin | 3.8407% | 3,623 |
| Noninterest income to average assets | 0.6380% | 2,960 |
| Noninterest expense to average assets | 3.4802% | 2,034 |
| Loan and lease loss provision to assets | 0.0890% | 5,470 |
| Net operating income to assets | 0.3788% | 4,952 |
| Return on assets (ROA) | 0.3875% | 5,083 |
| Pretax return on assets | 0.5423% | 4,865 |
| Return on Equity (ROE) | 3.6806% | 5,000 |
| Retained earnings to average equity (ytd only) | 3.6806% | 3,593 |
| Net charge-offs to loans | 0.3835% | 3,492 |
| Credit loss provision to net charge-offs | 29.4587% | 5,793 |
| Earnings coverage of net charge-offs (x) | 2.0479% | 4,245 |
| Efficiency ratio | 84.9002% | 1,674 |
| Assets per employee ($millions) | 3.8326% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 4,892 |
| Loan loss allowance to noncurrent loans | 48.7938% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 2.9384% | 2,046 |
| Noncurrent loans to loans | 2.6696% | 2,435 |
| Net loans and leases to total assets | 78.3242% | 674 |
| Net loans and leases to deposits | 89.2244% | 1,240 |
| Net loans and leases to core deposits | 91.9541% | 1,890 |
| Total domestic deposits to total assets | 87.7834% | 2,288 |
| Equity capital to assets | 10.5553% | 3,466 |
| Core capital (leverage) ratio | 10.8760% | 2,373 |
| Tier 1 risk-based capital ratio | 15.6256% | 3,251 |
| Total risk-based capital ratio | 16.8794% | 3,205 |
| Memoranda: | ||
| Average total assets | $372,878,600 | 1,746 |
| Average earning assets | $336,033,200 | 1,765 |
| Average equity | $39,260,200 | 1,720 |
| Average total loans | $293,890,400 | 1,445 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 5,150 |
| Cost of funding earning assets | 0.7131% | 5,683 |
| Net interest margin | 3.8208% | 3,763 |
| Noninterest income to average assets | 0.6188% | 3,058 |
| Noninterest expense to average assets | 3.5466% | 1,819 |
| Loan and lease loss provision to assets | 0.0364% | 5,984 |
| Net operating income to assets | 0.3462% | 5,221 |
| Return on assets (ROA) | 0.3580% | 5,361 |
| Pretax return on assets | 0.4981% | 5,170 |
| Return on Equity (ROE) | 3.4024% | 5,269 |
| Retained earnings to average equity (ytd only) | 3.4024% | 4,313 |
| Net charge-offs to loans | 0.3383% | 3,402 |
| Credit loss provision to net charge-offs | 13.6913% | 5,633 |
| Earnings coverage of net charge-offs (x) | 1.9463% | 4,195 |
| Efficiency ratio | 87.2539% | 1,412 |
| Assets per employee ($millions) | 3.9988% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 4,714 |
| Loan loss allowance to noncurrent loans | 38.9870% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 3.0700% | 2,086 |
| Noncurrent loans to loans | 3.4988% | 1,967 |
| Net loans and leases to total assets | 77.6778% | 747 |
| Net loans and leases to deposits | 88.8751% | 1,334 |
| Net loans and leases to core deposits | 92.2844% | 1,971 |
| Total domestic deposits to total assets | 87.4011% | 2,407 |
| Equity capital to assets | 10.6975% | 3,471 |
| Core capital (leverage) ratio | 10.8675% | 2,506 |
| Tier 1 risk-based capital ratio | 15.7468% | 3,254 |
| Total risk-based capital ratio | 17.0016% | 3,216 |
| Memoranda: | ||
| Average total assets | $373,157,000 | 1,745 |
| Average earning assets | $336,535,750 | 1,774 |
| Average equity | $39,265,000 | 1,726 |
| Average total loans | $293,606,750 | 1,467 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 5,148 |
| Cost of funding earning assets | 0.7221% | 5,826 |
| Net interest margin | 3.8350% | 3,621 |
| Noninterest income to average assets | 0.5771% | 3,287 |
| Noninterest expense to average assets | 3.5880% | 1,768 |
| Loan and lease loss provision to assets | 0.0348% | 5,879 |
| Net operating income to assets | 0.3052% | 5,357 |
| Return on assets (ROA) | 0.3052% | 5,490 |
| Pretax return on assets | 0.4176% | 5,341 |
| Return on Equity (ROE) | 2.9162% | 5,426 |
| Retained earnings to average equity (ytd only) | 2.9162% | 4,429 |
| Net charge-offs to loans | 0.4907% | 2,632 |
| Credit loss provision to net charge-offs | 9.0153% | 5,259 |
| Earnings coverage of net charge-offs (x) | 1.1720% | 4,400 |
| Efficiency ratio | 88.8035% | 1,343 |
| Assets per employee ($millions) | 4.0277% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 4,736 |
| Loan loss allowance to noncurrent loans | 38.5890% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 3.1094% | 2,162 |
| Noncurrent loans to loans | 3.5480% | 1,993 |
| Net loans and leases to total assets | 76.5821% | 985 |
| Net loans and leases to deposits | 87.3676% | 1,596 |
| Net loans and leases to core deposits | 90.8701% | 2,270 |
| Total domestic deposits to total assets | 87.6550% | 2,365 |
| Equity capital to assets | 10.5144% | 3,486 |
| Core capital (leverage) ratio | 10.7848% | 2,437 |
| Tier 1 risk-based capital ratio | 15.9515% | 2,997 |
| Total risk-based capital ratio | 17.2068% | 2,963 |
| Memoranda: | ||
| Average total assets | $373,579,330 | 1,753 |
| Average earning assets | $337,368,000 | 1,777 |
| Average equity | $39,092,330 | 1,719 |
| Average total loans | $293,852,000 | 1,476 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5829% | 5,020 |
| Cost of funding earning assets | 0.7442% | 5,898 |
| Net interest margin | 3.8387% | 3,422 |
| Noninterest income to average assets | 0.5575% | 3,455 |
| Noninterest expense to average assets | 3.5724% | 1,822 |
| Loan and lease loss provision to assets | 0.0225% | 5,677 |
| Net operating income to assets | 0.3141% | 5,337 |
| Return on assets (ROA) | 0.3141% | 5,410 |
| Pretax return on assets | 0.4299% | 5,248 |
| Return on Equity (ROE) | 3.0093% | 5,366 |
| Retained earnings to average equity (ytd only) | 3.0093% | 4,359 |
| Net charge-offs to loans | 0.1788% | 3,421 |
| Credit loss provision to net charge-offs | 15.9091% | 4,314 |
| Earnings coverage of net charge-offs (x) | 3.1970% | 2,820 |
| Efficiency ratio | 88.7587% | 1,436 |
| Assets per employee ($millions) | 4.0976% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 3,987 |
| Loan loss allowance to noncurrent loans | 39.6202% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 3.4156% | 1,994 |
| Noncurrent loans to loans | 3.8988% | 1,884 |
| Net loans and leases to total assets | 78.2414% | 700 |
| Net loans and leases to deposits | 89.4595% | 1,301 |
| Net loans and leases to core deposits | 92.7600% | 2,040 |
| Total domestic deposits to total assets | 87.4601% | 2,682 |
| Equity capital to assets | 10.6019% | 3,079 |
| Core capital (leverage) ratio | 10.7193% | 2,423 |
| Tier 1 risk-based capital ratio | 15.7730% | 3,014 |
| Total risk-based capital ratio | 17.0309% | 2,969 |
| Memoranda: | ||
| Average total assets | $373,083,000 | 1,768 |
| Average earning assets | $336,990,000 | 1,781 |
| Average equity | $38,946,500 | 1,706 |
| Average total loans | $295,359,500 | 1,488 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7508% | 5,619 |
| Cost of funding earning assets | 1.1013% | 5,130 |
| Net interest margin | 3.6495% | 4,576 |
| Noninterest income to average assets | 0.8257% | 2,163 |
| Noninterest expense to average assets | 3.2963% | 2,750 |
| Loan and lease loss provision to assets | 0.4576% | 3,380 |
| Net operating income to assets | 0.2794% | 5,005 |
| Return on assets (ROA) | 0.2794% | 5,172 |
| Pretax return on assets | 0.3772% | 5,015 |
| Return on Equity (ROE) | 2.8267% | 5,027 |
| Retained earnings to average equity (ytd only) | 2.8267% | 3,869 |
| Net charge-offs to loans | 0.3056% | 4,489 |
| Credit loss provision to net charge-offs | 188.0823% | 1,726 |
| Earnings coverage of net charge-offs (x) | 3.4312% | 3,361 |
| Efficiency ratio | 79.7907% | 2,444 |
| Assets per employee ($millions) | 4.2403% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 3,743 |
| Loan loss allowance to noncurrent loans | 38.1823% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 3.2187% | 2,196 |
| Noncurrent loans to loans | 4.0810% | 1,771 |
| Net loans and leases to total assets | 77.6434% | 1,001 |
| Net loans and leases to deposits | 88.3788% | 1,739 |
| Net loans and leases to core deposits | 92.3018% | 2,467 |
| Total domestic deposits to total assets | 87.8529% | 2,339 |
| Equity capital to assets | 10.2800% | 3,406 |
| Core capital (leverage) ratio | 10.2798% | 2,788 |
| Tier 1 risk-based capital ratio | 15.3641% | 3,064 |
| Total risk-based capital ratio | 16.6222% | 3,015 |
| Memoranda: | ||
| Average total assets | $379,330,600 | 1,733 |
| Average earning assets | $343,582,800 | 1,739 |
| Average equity | $37,499,800 | 1,759 |
| Average total loans | $302,026,000 | 1,490 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7965% | 5,669 |
| Cost of funding earning assets | 1.1335% | 5,230 |
| Net interest margin | 3.6630% | 4,582 |
| Noninterest income to average assets | 0.7758% | 2,351 |
| Noninterest expense to average assets | 3.2801% | 2,631 |
| Loan and lease loss provision to assets | 0.6796% | 2,243 |
| Net operating income to assets | 0.1197% | 5,723 |
| Return on assets (ROA) | 0.1197% | 5,881 |
| Pretax return on assets | 0.1355% | 5,860 |
| Return on Equity (ROE) | 1.2230% | 5,843 |
| Retained earnings to average equity (ytd only) | 1.2230% | 5,324 |
| Net charge-offs to loans | 0.2098% | 4,686 |
| Credit loss provision to net charge-offs | 405.8700% | 739 |
| Earnings coverage of net charge-offs (x) | 4.8680% | 2,913 |
| Efficiency ratio | 80.0960% | 2,323 |
| Assets per employee ($millions) | 4.3029% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7768% | 2,863 |
| Loan loss allowance to noncurrent loans | 101.4009% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 1.3456% | 4,474 |
| Noncurrent loans to loans | 1.7523% | 4,013 |
| Net loans and leases to total assets | 75.4272% | 1,508 |
| Net loans and leases to deposits | 88.5431% | 1,934 |
| Net loans and leases to core deposits | 92.5700% | 2,718 |
| Total domestic deposits to total assets | 85.1870% | 3,525 |
| Equity capital to assets | 9.6433% | 4,634 |
| Core capital (leverage) ratio | 10.1271% | 3,122 |
| Tier 1 risk-based capital ratio | 14.9605% | 3,267 |
| Total risk-based capital ratio | 16.2213% | 3,248 |
| Memoranda: | ||
| Average total assets | $379,817,500 | 1,755 |
| Average earning assets | $344,187,000 | 1,762 |
| Average equity | $37,176,000 | 1,796 |
| Average total loans | $303,119,750 | 1,502 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8057% | 5,780 |
| Cost of funding earning assets | 1.1554% | 5,371 |
| Net interest margin | 3.6502% | 4,579 |
| Noninterest income to average assets | 0.6959% | 2,730 |
| Noninterest expense to average assets | 3.2777% | 2,634 |
| Loan and lease loss provision to assets | 0.6546% | 2,200 |
| Net operating income to assets | 0.0880% | 5,900 |
| Return on assets (ROA) | 0.0880% | 6,007 |
| Pretax return on assets | 0.0859% | 6,006 |
| Return on Equity (ROE) | 0.8944% | 5,982 |
| Retained earnings to average equity (ytd only) | 0.8944% | 5,412 |
| Net charge-offs to loans | 0.2983% | 3,830 |
| Credit loss provision to net charge-offs | 271.4286% | 1,387 |
| Earnings coverage of net charge-offs (x) | 3.0703% | 3,467 |
| Efficiency ratio | 81.5724% | 2,225 |
| Assets per employee ($millions) | 4.3324% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 3,764 |
| Loan loss allowance to noncurrent loans | 99.6969% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 1.1846% | 4,767 |
| Noncurrent loans to loans | 1.5358% | 4,414 |
| Net loans and leases to total assets | 75.9543% | 1,498 |
| Net loans and leases to deposits | 91.4259% | 1,628 |
| Net loans and leases to core deposits | 95.5773% | 2,497 |
| Total domestic deposits to total assets | 83.0775% | 4,540 |
| Equity capital to assets | 9.5211% | 4,674 |
| Core capital (leverage) ratio | 10.1272% | 3,025 |
| Tier 1 risk-based capital ratio | 14.9277% | 3,191 |
| Total risk-based capital ratio | 16.1856% | 3,157 |
| Memoranda: | ||
| Average total assets | $377,336,000 | 1,780 |
| Average earning assets | $343,428,670 | 1,780 |
| Average equity | $37,119,670 | 1,797 |
| Average total loans | $305,031,330 | 1,504 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9263% | 5,320 |
| Cost of funding earning assets | 1.1830% | 5,495 |
| Net interest margin | 3.7433% | 4,041 |
| Noninterest income to average assets | 0.6479% | 2,945 |
| Noninterest expense to average assets | 3.2750% | 2,614 |
| Loan and lease loss provision to assets | 0.3644% | 3,186 |
| Net operating income to assets | 0.3072% | 5,270 |
| Return on assets (ROA) | 0.3072% | 5,401 |
| Pretax return on assets | 0.4161% | 5,244 |
| Return on Equity (ROE) | 3.0713% | 5,307 |
| Retained earnings to average equity (ytd only) | 3.0713% | 4,296 |
| Net charge-offs to loans | 0.5665% | 2,385 |
| Credit loss provision to net charge-offs | 77.7011% | 3,940 |
| Earnings coverage of net charge-offs (x) | 1.6644% | 3,736 |
| Efficiency ratio | 80.7549% | 2,445 |
| Assets per employee ($millions) | 4.4863% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 5,384 |
| Loan loss allowance to noncurrent loans | 83.7188% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.1959% | 4,784 |
| Noncurrent loans to loans | 1.4595% | 4,554 |
| Net loans and leases to total assets | 80.9353% | 723 |
| Net loans and leases to deposits | 98.2881% | 882 |
| Net loans and leases to core deposits | 103.6344% | 1,775 |
| Total domestic deposits to total assets | 82.3450% | 4,913 |
| Equity capital to assets | 10.0004% | 3,877 |
| Core capital (leverage) ratio | 10.4588% | 2,657 |
| Tier 1 risk-based capital ratio | 14.7171% | 3,249 |
| Total risk-based capital ratio | 15.9702% | 3,213 |
| Memoranda: | ||
| Average total assets | $371,048,000 | 1,851 |
| Average earning assets | $337,777,000 | 1,851 |
| Average equity | $37,117,500 | 1,813 |
| Average total loans | $307,167,000 | 1,536 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3476% | 4,948 |
| Cost of funding earning assets | 1.3114% | 6,271 |
| Net interest margin | 4.0362% | 2,714 |
| Noninterest income to average assets | 0.7163% | 2,865 |
| Noninterest expense to average assets | 3.1422% | 3,574 |
| Loan and lease loss provision to assets | 0.3219% | 4,883 |
| Net operating income to assets | 0.6205% | 3,256 |
| Return on assets (ROA) | 0.6205% | 3,322 |
| Pretax return on assets | 0.8890% | 2,958 |
| Return on Equity (ROE) | 6.1919% | 3,126 |
| Retained earnings to average equity (ytd only) | 6.1919% | 1,278 |
| Net charge-offs to loans | 0.0274% | 6,862 |
| Credit loss provision to net charge-offs | 1,348.2353% | 224 |
| Earnings coverage of net charge-offs (x) | 50.7176% | 512 |
| Efficiency ratio | 72.1835% | 4,235 |
| Assets per employee ($millions) | 4.5646% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 5,130 |
| Loan loss allowance to noncurrent loans | 80.2560% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.2890% | 4,506 |
| Noncurrent loans to loans | 1.5412% | 4,342 |
| Net loans and leases to total assets | 82.6023% | 594 |
| Net loans and leases to deposits | 100.5081% | 860 |
| Net loans and leases to core deposits | 119.1037% | 2,022 |
| Total domestic deposits to total assets | 82.1847% | 4,872 |
| Equity capital to assets | 10.0064% | 3,760 |
| Core capital (leverage) ratio | 10.5429% | 2,562 |
| Tier 1 risk-based capital ratio | 14.5529% | 3,173 |
| Total risk-based capital ratio | 15.8066% | 3,123 |
| Memoranda: | ||
| Average total assets | $356,019,200 | 1,908 |
| Average earning assets | $320,796,800 | 1,944 |
| Average equity | $35,675,800 | 1,889 |
| Average total loans | $309,860,400 | 1,545 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4474% | 4,699 |
| Cost of funding earning assets | 1.3467% | 6,406 |
| Net interest margin | 4.1007% | 2,393 |
| Noninterest income to average assets | 0.7166% | 2,909 |
| Noninterest expense to average assets | 3.0304% | 3,930 |
| Loan and lease loss provision to assets | 0.1826% | 5,535 |
| Net operating income to assets | 0.8187% | 2,731 |
| Return on assets (ROA) | 0.8187% | 2,799 |
| Pretax return on assets | 1.1893% | 2,301 |
| Return on Equity (ROE) | 8.1668% | 2,571 |
| Retained earnings to average equity (ytd only) | 8.1668% | 1,089 |
| Net charge-offs to loans | 0.0254% | 6,527 |
| Credit loss provision to net charge-offs | 818.6441% | 469 |
| Earnings coverage of net charge-offs (x) | 61.4952% | 536 |
| Efficiency ratio | 68.8370% | 4,821 |
| Assets per employee ($millions) | 4.3878% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 6,092 |
| Loan loss allowance to noncurrent loans | 78.5609% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.1561% | 4,765 |
| Noncurrent loans to loans | 1.3156% | 4,740 |
| Net loans and leases to total assets | 86.9632% | 276 |
| Net loans and leases to deposits | 107.3785% | 585 |
| Net loans and leases to core deposits | 126.2349% | 1,713 |
| Total domestic deposits to total assets | 80.9875% | 5,085 |
| Equity capital to assets | 10.3600% | 3,669 |
| Core capital (leverage) ratio | 10.9397% | 2,449 |
| Tier 1 risk-based capital ratio | 14.7051% | 3,180 |
| Total risk-based capital ratio | 15.9562% | 3,125 |
| Memoranda: | ||
| Average total assets | $352,591,000 | 1,937 |
| Average earning assets | $316,912,750 | 1,988 |
| Average equity | $35,345,500 | 1,922 |
| Average total loans | $310,017,500 | 1,568 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4487% | 4,902 |
| Cost of funding earning assets | 1.3976% | 6,489 |
| Net interest margin | 4.0511% | 2,497 |
| Noninterest income to average assets | 0.8983% | 1,997 |
| Noninterest expense to average assets | 3.1072% | 3,673 |
| Loan and lease loss provision to assets | 0.1716% | 5,351 |
| Net operating income to assets | 0.8779% | 2,548 |
| Return on assets (ROA) | 0.8779% | 2,651 |
| Pretax return on assets | 1.2789% | 2,086 |
| Return on Equity (ROE) | 8.8558% | 2,411 |
| Retained earnings to average equity (ytd only) | 8.8558% | 973 |
| Net charge-offs to loans | 0.0180% | 6,268 |
| Credit loss provision to net charge-offs | 1,082.1429% | 455 |
| Earnings coverage of net charge-offs (x) | 91.4643% | 419 |
| Efficiency ratio | 68.1745% | 5,126 |
| Assets per employee ($millions) | 4.3127% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9670% | 6,462 |
| Loan loss allowance to noncurrent loans | 154.7352% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.5893% | 5,946 |
| Noncurrent loans to loans | 0.6249% | 5,999 |
| Net loans and leases to total assets | 88.0115% | 232 |
| Net loans and leases to deposits | 107.8391% | 662 |
| Net loans and leases to core deposits | 124.9150% | 1,948 |
| Total domestic deposits to total assets | 81.6137% | 4,854 |
| Equity capital to assets | 10.1019% | 3,812 |
| Core capital (leverage) ratio | 10.5679% | 2,753 |
| Tier 1 risk-based capital ratio | 14.3713% | 3,319 |
| Total risk-based capital ratio | 15.6215% | 3,258 |
| Memoranda: | ||
| Average total assets | $353,114,000 | 1,957 |
| Average earning assets | $318,972,670 | 1,995 |
| Average equity | $35,005,330 | 1,940 |
| Average total loans | $310,540,670 | 1,598 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4818% | 5,007 |
| Cost of funding earning assets | 1.4874% | 6,444 |
| Net interest margin | 3.9944% | 2,665 |
| Noninterest income to average assets | 0.9409% | 1,684 |
| Noninterest expense to average assets | 2.9792% | 3,855 |
| Loan and lease loss provision to assets | 0.2165% | 4,284 |
| Net operating income to assets | 0.9352% | 2,563 |
| Return on assets (ROA) | 0.9352% | 2,692 |
| Pretax return on assets | 1.3649% | 2,065 |
| Return on Equity (ROE) | 9.5249% | 2,519 |
| Retained earnings to average equity (ytd only) | 9.5249% | 1,330 |
| Net charge-offs to loans | 0.0117% | 5,451 |
| Credit loss provision to net charge-offs | 2,122.2222% | 302 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 282 |
| Efficiency ratio | 65.3244% | 5,444 |
| Assets per employee ($millions) | 4.3520% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 6,467 |
| Loan loss allowance to noncurrent loans | 132.1076% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.6249% | 5,620 |
| Noncurrent loans to loans | 0.7225% | 5,610 |
| Net loans and leases to total assets | 85.6686% | 490 |
| Net loans and leases to deposits | 111.2775% | 554 |
| Net loans and leases to core deposits | 127.6208% | 1,811 |
| Total domestic deposits to total assets | 76.9865% | 6,281 |
| Equity capital to assets | 9.8260% | 4,212 |
| Core capital (leverage) ratio | 10.5881% | 2,831 |
| Tier 1 risk-based capital ratio | 14.3157% | 3,422 |
| Total risk-based capital ratio | 15.5659% | 3,345 |
| Memoranda: | ||
| Average total assets | $352,852,000 | 1,969 |
| Average earning assets | $319,750,500 | 1,990 |
| Average equity | $34,646,000 | 1,964 |
| Average total loans | $308,670,500 | 1,617 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8566% | 6,249 |
| Cost of funding earning assets | 2.0595% | 6,201 |
| Net interest margin | 3.7971% | 4,035 |
| Noninterest income to average assets | 0.5949% | 3,871 |
| Noninterest expense to average assets | 3.1341% | 3,566 |
| Loan and lease loss provision to assets | 0.1878% | 5,012 |
| Net operating income to assets | 0.4984% | 4,742 |
| Return on assets (ROA) | 0.4984% | 4,583 |
| Pretax return on assets | 0.7061% | 4,381 |
| Return on Equity (ROE) | 4.9596% | 4,410 |
| Retained earnings to average equity (ytd only) | 4.9596% | 2,053 |
| Net charge-offs to loans | 0.0615% | 5,902 |
| Credit loss provision to net charge-offs | 351.3514% | 1,281 |
| Earnings coverage of net charge-offs (x) | 16.7243% | 1,823 |
| Efficiency ratio | 77.8081% | 2,947 |
| Assets per employee ($millions) | 4.2542% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8954% | 6,702 |
| Loan loss allowance to noncurrent loans | 114.8317% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.6900% | 5,155 |
| Noncurrent loans to loans | 0.7798% | 5,086 |
| Net loans and leases to total assets | 87.6936% | 394 |
| Net loans and leases to deposits | 110.5077% | 803 |
| Net loans and leases to core deposits | 121.7176% | 2,536 |
| Total domestic deposits to total assets | 79.3552% | 5,250 |
| Equity capital to assets | 9.8115% | 4,277 |
| Core capital (leverage) ratio | 10.2144% | 3,250 |
| Tier 1 risk-based capital ratio | 14.2794% | 3,407 |
| Total risk-based capital ratio | 15.4843% | 3,349 |
| Memoranda: | ||
| Average total assets | $346,126,400 | 1,924 |
| Average earning assets | $312,947,000 | 1,948 |
| Average equity | $34,780,800 | 1,947 |
| Average total loans | $300,899,000 | 1,602 |