Home > The North Country Savings Bank > Performance and Condition Ratios
The North Country Savings 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 | 6.6235% | 531 |
| Cost of funding earning assets | 1.6529% | 2,845 |
| Net interest margin | 4.9706% | 312 |
| Noninterest income to average assets | 0.8400% | 759 |
| Noninterest expense to average assets | 3.7228% | 469 |
| Loan and lease loss provision to assets | 0.1200% | 1,082 |
| Net operating income to assets | 1.1347% | 1,909 |
| Return on assets (ROA) | 1.1347% | 1,907 |
| Pretax return on assets | 1.4393% | 1,647 |
| Return on Equity (ROE) | 8.9200% | 2,619 |
| Retained earnings to average equity (ytd only) | 8.9152% | 1,448 |
| Net charge-offs to loans | 0.0219% | 1,555 |
| Credit loss provision to net charge-offs | 650.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 786 |
| Efficiency ratio | 70.4495% | 1,760 |
| Assets per employee ($millions) | 4.8058% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4162% | 4,297 |
| Loan loss allowance to noncurrent loans | 83.8377% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 1,606 |
| Noncurrent loans to loans | 0.4964% | 1,871 |
| Net loans and leases to total assets | 85.4800% | 165 |
| Net loans and leases to deposits | 106.9228% | 214 |
| Net loans and leases to core deposits | 111.2857% | 814 |
| Total domestic deposits to total assets | 79.9500% | 3,605 |
| Equity capital to assets | 12.8384% | 967 |
| Core capital (leverage) ratio | 14.1625% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4898% | 436 |
| Memoranda: | ||
| Average total assets | $340,171,500 | 2,297 |
| Average earning assets | $304,429,000 | 2,352 |
| Average equity | $43,297,000 | 1,918 |
| Average total loans | $292,462,000 | 1,912 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4101% | 799 |
| Cost of funding earning assets | 1.5953% | 3,182 |
| Net interest margin | 4.8148% | 427 |
| Noninterest income to average assets | 0.8400% | 845 |
| Noninterest expense to average assets | 3.8789% | 409 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 0.9251% | 2,307 |
| Return on assets (ROA) | 0.9251% | 2,305 |
| Pretax return on assets | 1.1781% | 2,040 |
| Return on Equity (ROE) | 7.5300% | 2,888 |
| Retained earnings to average equity (ytd only) | 7.5341% | 1,263 |
| Net charge-offs to loans | 0.0727% | 1,405 |
| Credit loss provision to net charge-offs | 109.3137% | 1,771 |
| Earnings coverage of net charge-offs (x) | 20.1765% | 1,829 |
| Efficiency ratio | 75.6939% | 1,395 |
| Assets per employee ($millions) | 4.8320% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3876% | 4,333 |
| Loan loss allowance to noncurrent loans | 76.7978% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4677% | 1,511 |
| Noncurrent loans to loans | 0.5048% | 1,818 |
| Net loans and leases to total assets | 86.0000% | 156 |
| Net loans and leases to deposits | 111.2134% | 159 |
| Net loans and leases to core deposits | 115.6453% | 737 |
| Total domestic deposits to total assets | 77.3300% | 3,843 |
| Equity capital to assets | 12.4414% | 1,039 |
| Core capital (leverage) ratio | 14.0993% | 755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0690% | 463 |
| Memoranda: | ||
| Average total assets | $330,455,000 | 2,314 |
| Average earning assets | $293,989,200 | 2,377 |
| Average equity | $40,575,400 | 1,968 |
| Average total loans | $280,793,800 | 1,928 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3301% | 851 |
| Cost of funding earning assets | 1.5624% | 3,244 |
| Net interest margin | 4.7677% | 451 |
| Noninterest income to average assets | 0.8600% | 794 |
| Noninterest expense to average assets | 3.8070% | 424 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 0.9745% | 2,126 |
| Return on assets (ROA) | 0.9745% | 2,133 |
| Pretax return on assets | 1.2395% | 1,901 |
| Return on Equity (ROE) | 7.9600% | 2,775 |
| Retained earnings to average equity (ytd only) | 7.9636% | 1,405 |
| Net charge-offs to loans | 0.0619% | 1,283 |
| Credit loss provision to net charge-offs | 96.1240% | 1,718 |
| Earnings coverage of net charge-offs (x) | 24.6357% | 1,634 |
| Efficiency ratio | 74.6934% | 1,511 |
| Assets per employee ($millions) | 4.2259% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3857% | 4,372 |
| Loan loss allowance to noncurrent loans | 94.2979% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 1,741 |
| Noncurrent loans to loans | 0.4090% | 2,053 |
| Net loans and leases to total assets | 85.7200% | 162 |
| Net loans and leases to deposits | 111.4271% | 164 |
| Net loans and leases to core deposits | 115.6626% | 740 |
| Total domestic deposits to total assets | 76.9300% | 3,846 |
| Equity capital to assets | 12.4369% | 1,127 |
| Core capital (leverage) ratio | 14.1676% | 775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8989% | 483 |
| Memoranda: | ||
| Average total assets | $328,508,000 | 2,314 |
| Average earning assets | $291,593,500 | 2,387 |
| Average equity | $40,198,750 | 1,978 |
| Average total loans | $277,986,250 | 1,935 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2360% | 877 |
| Cost of funding earning assets | 1.5381% | 3,204 |
| Net interest margin | 4.6979% | 491 |
| Noninterest income to average assets | 0.8800% | 744 |
| Noninterest expense to average assets | 3.7866% | 433 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.9482% | 2,156 |
| Return on assets (ROA) | 0.9482% | 2,160 |
| Pretax return on assets | 1.2065% | 1,917 |
| Return on Equity (ROE) | 7.7900% | 2,799 |
| Retained earnings to average equity (ytd only) | 7.7921% | 1,429 |
| Net charge-offs to loans | 0.0568% | 1,201 |
| Credit loss provision to net charge-offs | 97.4359% | 1,526 |
| Earnings coverage of net charge-offs (x) | 26.2436% | 1,468 |
| Efficiency ratio | 75.1366% | 1,536 |
| Assets per employee ($millions) | 4.0829% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3980% | 4,386 |
| Loan loss allowance to noncurrent loans | 134.3410% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 1,992 |
| Noncurrent loans to loans | 0.2963% | 2,306 |
| Net loans and leases to total assets | 85.1200% | 215 |
| Net loans and leases to deposits | 107.0222% | 288 |
| Net loans and leases to core deposits | 109.5001% | 990 |
| Total domestic deposits to total assets | 79.5400% | 3,515 |
| Equity capital to assets | 12.4152% | 1,031 |
| Core capital (leverage) ratio | 14.0245% | 813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1090% | 458 |
| Memoranda: | ||
| Average total assets | $326,729,333 | 2,307 |
| Average earning assets | $289,192,000 | 2,388 |
| Average equity | $39,758,333 | 1,962 |
| Average total loans | $274,886,667 | 1,942 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0745% | 965 |
| Cost of funding earning assets | 1.5708% | 3,038 |
| Net interest margin | 4.5037% | 583 |
| Noninterest income to average assets | 0.8400% | 755 |
| Noninterest expense to average assets | 3.7579% | 440 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8152% | 2,499 |
| Return on assets (ROA) | 0.8152% | 2,514 |
| Pretax return on assets | 1.0368% | 2,293 |
| Return on Equity (ROE) | 6.7700% | 3,013 |
| Retained earnings to average equity (ytd only) | 6.7680% | 1,899 |
| Net charge-offs to loans | 0.0044% | 1,977 |
| Credit loss provision to net charge-offs | 100.0000% | 1,145 |
| Earnings coverage of net charge-offs (x) | 283.3333% | 321 |
| Efficiency ratio | 78.3163% | 1,324 |
| Assets per employee ($millions) | 4.2675% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4068% | 4,370 |
| Loan loss allowance to noncurrent loans | 107.1222% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3162% | 1,845 |
| Noncurrent loans to loans | 0.3798% | 1,992 |
| Net loans and leases to total assets | 82.9200% | 341 |
| Net loans and leases to deposits | 104.4068% | 327 |
| Net loans and leases to core deposits | 106.4621% | 1,084 |
| Total domestic deposits to total assets | 79.4200% | 3,614 |
| Equity capital to assets | 12.0748% | 1,101 |
| Core capital (leverage) ratio | 13.7615% | 837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6042% | 511 |
| Memoranda: | ||
| Average total assets | $326,778,000 | 2,313 |
| Average earning assets | $287,498,000 | 2,404 |
| Average equity | $39,361,500 | 1,975 |
| Average total loans | $272,757,000 | 1,948 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1592% | 1,746 |
| Cost of funding earning assets | 0.9441% | 3,426 |
| Net interest margin | 4.2150% | 913 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 3.8544% | 412 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | -0.2171% | 4,465 |
| Return on assets (ROA) | -0.2171% | 4,451 |
| Pretax return on assets | 0.1873% | 4,206 |
| Return on Equity (ROE) | -1.7900% | 4,415 |
| Retained earnings to average equity (ytd only) | -1.7924% | 4,257 |
| Net charge-offs to loans | 0.0694% | 1,157 |
| Credit loss provision to net charge-offs | 84.4444% | 1,989 |
| Earnings coverage of net charge-offs (x) | 4.0889% | 2,608 |
| Efficiency ratio | 94.2293% | 295 |
| Assets per employee ($millions) | 4.5134% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4093% | 4,383 |
| Loan loss allowance to noncurrent loans | 143.2432% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 1,991 |
| Noncurrent loans to loans | 0.2857% | 2,157 |
| Net loans and leases to total assets | 83.3400% | 318 |
| Net loans and leases to deposits | 105.8869% | 300 |
| Net loans and leases to core deposits | 108.3256% | 1,024 |
| Total domestic deposits to total assets | 78.7100% | 3,649 |
| Equity capital to assets | 12.0156% | 1,118 |
| Core capital (leverage) ratio | 14.0107% | 804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4475% | 514 |
| Memoranda: | ||
| Average total assets | $311,802,200 | 2,360 |
| Average earning assets | $278,669,600 | 2,422 |
| Average equity | $37,771,200 | 1,950 |
| Average total loans | $259,265,000 | 1,960 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9474% | 1,956 |
| Cost of funding earning assets | 0.7971% | 3,525 |
| Net interest margin | 4.1503% | 988 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 3.8684% | 387 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.3613% | 4,025 |
| Return on assets (ROA) | 0.3613% | 4,030 |
| Pretax return on assets | 0.4460% | 3,996 |
| Return on Equity (ROE) | 2.9800% | 4,102 |
| Retained earnings to average equity (ytd only) | 2.9761% | 3,520 |
| Net charge-offs to loans | 0.0557% | 1,109 |
| Credit loss provision to net charge-offs | 45.7944% | 1,912 |
| Earnings coverage of net charge-offs (x) | 10.1028% | 2,142 |
| Efficiency ratio | 89.2245% | 400 |
| Assets per employee ($millions) | 4.1927% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4111% | 4,401 |
| Loan loss allowance to noncurrent loans | 141.3838% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 2,009 |
| Noncurrent loans to loans | 0.2907% | 2,193 |
| Net loans and leases to total assets | 83.4400% | 331 |
| Net loans and leases to deposits | 103.8746% | 356 |
| Net loans and leases to core deposits | 105.6987% | 1,032 |
| Total domestic deposits to total assets | 80.3300% | 3,485 |
| Equity capital to assets | 11.9881% | 1,041 |
| Core capital (leverage) ratio | 14.8078% | 658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0835% | 432 |
| Memoranda: | ||
| Average total assets | $308,512,250 | 2,391 |
| Average earning assets | $276,826,500 | 2,437 |
| Average equity | $37,452,500 | 1,950 |
| Average total loans | $256,096,000 | 1,976 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7714% | 2,057 |
| Cost of funding earning assets | 0.6814% | 3,538 |
| Net interest margin | 4.0900% | 1,097 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 3.6707% | 453 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.4763% | 3,857 |
| Return on assets (ROA) | 0.4763% | 3,864 |
| Pretax return on assets | 0.5911% | 3,820 |
| Return on Equity (ROE) | 3.9100% | 4,034 |
| Retained earnings to average equity (ytd only) | 3.9068% | 3,229 |
| Net charge-offs to loans | 0.0481% | 1,031 |
| Credit loss provision to net charge-offs | 77.0492% | 1,565 |
| Earnings coverage of net charge-offs (x) | 15.6230% | 1,847 |
| Efficiency ratio | 85.5145% | 520 |
| Assets per employee ($millions) | 4.1877% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4382% | 4,420 |
| Loan loss allowance to noncurrent loans | 162.3919% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 2,069 |
| Noncurrent loans to loans | 0.2698% | 2,189 |
| Net loans and leases to total assets | 82.6300% | 362 |
| Net loans and leases to deposits | 101.2183% | 465 |
| Net loans and leases to core deposits | 103.4167% | 1,074 |
| Total domestic deposits to total assets | 81.6400% | 3,306 |
| Equity capital to assets | 12.1620% | 1,007 |
| Core capital (leverage) ratio | 15.0386% | 589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5742% | 406 |
| Memoranda: | ||
| Average total assets | $306,532,000 | 2,402 |
| Average earning assets | $275,304,667 | 2,450 |
| Average equity | $37,371,000 | 1,964 |
| Average total loans | $253,640,333 | 1,989 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5731% | 2,142 |
| Cost of funding earning assets | 0.5649% | 3,486 |
| Net interest margin | 4.0082% | 1,245 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 3.6516% | 460 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.4487% | 4,006 |
| Return on assets (ROA) | 0.4487% | 3,960 |
| Pretax return on assets | 0.5537% | 3,918 |
| Return on Equity (ROE) | 3.6800% | 4,091 |
| Retained earnings to average equity (ytd only) | 3.6762% | 3,355 |
| Net charge-offs to loans | 0.0842% | 658 |
| Credit loss provision to net charge-offs | 45.2830% | 1,308 |
| Earnings coverage of net charge-offs (x) | 8.4151% | 1,721 |
| Efficiency ratio | 86.1877% | 504 |
| Assets per employee ($millions) | 4.4915% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4404% | 4,478 |
| Loan loss allowance to noncurrent loans | 144.6034% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2577% | 1,846 |
| Noncurrent loans to loans | 0.3045% | 2,058 |
| Net loans and leases to total assets | 82.3200% | 339 |
| Net loans and leases to deposits | 99.6899% | 457 |
| Net loans and leases to core deposits | 101.7422% | 1,011 |
| Total domestic deposits to total assets | 82.5700% | 3,390 |
| Equity capital to assets | 12.2243% | 938 |
| Core capital (leverage) ratio | 14.9906% | 575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8797% | 396 |
| Memoranda: | ||
| Average total assets | $304,852,000 | 2,440 |
| Average earning assets | $274,036,000 | 2,483 |
| Average equity | $37,212,000 | 2,000 |
| Average total loans | $251,865,000 | 2,016 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7727% | 2,348 |
| Cost of funding earning assets | 0.3686% | 2,345 |
| Net interest margin | 3.4041% | 2,246 |
| Noninterest income to average assets | 1.1000% | 545 |
| Noninterest expense to average assets | 3.4875% | 497 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.4522% | 4,166 |
| Return on assets (ROA) | 0.4522% | 4,125 |
| Pretax return on assets | 0.5617% | 4,090 |
| Return on Equity (ROE) | 3.5500% | 4,232 |
| Retained earnings to average equity (ytd only) | 3.5471% | 3,552 |
| Net charge-offs to loans | 0.0649% | 997 |
| Credit loss provision to net charge-offs | 187.3418% | 1,162 |
| Earnings coverage of net charge-offs (x) | 13.1076% | 2,084 |
| Efficiency ratio | 84.1800% | 488 |
| Assets per employee ($millions) | 4.5416% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3989% | 4,502 |
| Loan loss allowance to noncurrent loans | 130.1299% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 1,763 |
| Noncurrent loans to loans | 0.3065% | 2,045 |
| Net loans and leases to total assets | 81.0200% | 499 |
| Net loans and leases to deposits | 98.9156% | 481 |
| Net loans and leases to core deposits | 100.2183% | 996 |
| Total domestic deposits to total assets | 81.9100% | 3,643 |
| Equity capital to assets | 13.2242% | 671 |
| Core capital (leverage) ratio | 14.5832% | 624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7849% | 380 |
| Memoranda: | ||
| Average total assets | $315,987,600 | 2,372 |
| Average earning assets | $282,689,200 | 2,430 |
| Average equity | $40,286,400 | 1,910 |
| Average total loans | $243,343,000 | 1,981 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6042% | 2,333 |
| Cost of funding earning assets | 0.3651% | 1,566 |
| Net interest margin | 3.2392% | 2,501 |
| Noninterest income to average assets | 1.1000% | 572 |
| Noninterest expense to average assets | 3.3217% | 579 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.4884% | 4,101 |
| Return on assets (ROA) | 0.4884% | 4,049 |
| Pretax return on assets | 0.6075% | 3,972 |
| Return on Equity (ROE) | 3.8700% | 4,173 |
| Retained earnings to average equity (ytd only) | 3.8656% | 3,487 |
| Net charge-offs to loans | 0.0806% | 736 |
| Credit loss provision to net charge-offs | 115.7534% | 1,239 |
| Earnings coverage of net charge-offs (x) | 11.0753% | 1,963 |
| Efficiency ratio | 83.0396% | 606 |
| Assets per employee ($millions) | 4.4732% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3610% | 4,560 |
| Loan loss allowance to noncurrent loans | 173.5812% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 2,097 |
| Noncurrent loans to loans | 0.2080% | 2,561 |
| Net loans and leases to total assets | 77.0900% | 791 |
| Net loans and leases to deposits | 93.8783% | 644 |
| Net loans and leases to core deposits | 93.9806% | 1,095 |
| Total domestic deposits to total assets | 82.1200% | 3,824 |
| Equity capital to assets | 12.7654% | 721 |
| Core capital (leverage) ratio | 14.1424% | 657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8359% | 390 |
| Memoranda: | ||
| Average total assets | $317,777,500 | 2,383 |
| Average earning assets | $284,880,000 | 2,434 |
| Average equity | $40,148,000 | 1,943 |
| Average total loans | $241,377,250 | 1,988 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4081% | 2,407 |
| Cost of funding earning assets | 0.3620% | 1,180 |
| Net interest margin | 3.0461% | 2,736 |
| Noninterest income to average assets | 1.0911% | 562 |
| Noninterest expense to average assets | 3.1777% | 654 |
| Loan and lease loss provision to assets | 0.0390% | 1,886 |
| Net operating income to assets | 0.4914% | 3,917 |
| Return on assets (ROA) | 0.4914% | 3,865 |
| Pretax return on assets | 0.6116% | 3,790 |
| Return on Equity (ROE) | 3.9034% | 4,054 |
| Retained earnings to average equity (ytd only) | 3.9034% | 3,118 |
| Net charge-offs to loans | 0.0367% | 1,016 |
| Credit loss provision to net charge-offs | 140.9091% | 1,116 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,490 |
| Efficiency ratio | 83.0046% | 738 |
| Assets per employee ($millions) | 4.7244% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3668% | 4,629 |
| Loan loss allowance to noncurrent loans | 117.7570% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 2,111 |
| Noncurrent loans to loans | 0.3115% | 2,223 |
| Net loans and leases to total assets | 75.6806% | 762 |
| Net loans and leases to deposits | 92.1965% | 599 |
| Net loans and leases to core deposits | 92.2967% | 1,001 |
| Total domestic deposits to total assets | 82.0861% | 3,996 |
| Equity capital to assets | 12.7486% | 710 |
| Core capital (leverage) ratio | 14.0041% | 633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4687% | 344 |
| Memoranda: | ||
| Average total assets | $317,838,667 | 2,395 |
| Average earning assets | $285,610,333 | 2,456 |
| Average equity | $40,016,667 | 1,991 |
| Average total loans | $239,926,000 | 1,996 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3348% | 2,279 |
| Cost of funding earning assets | 0.3587% | 1,141 |
| Net interest margin | 2.9760% | 2,581 |
| Noninterest income to average assets | 1.0814% | 580 |
| Noninterest expense to average assets | 3.1047% | 685 |
| Loan and lease loss provision to assets | 0.0666% | 1,227 |
| Net operating income to assets | 0.4747% | 3,773 |
| Return on assets (ROA) | 0.4747% | 3,743 |
| Pretax return on assets | 0.5878% | 3,669 |
| Return on Equity (ROE) | 3.7944% | 3,928 |
| Retained earnings to average equity (ytd only) | 3.7944% | 3,010 |
| Net charge-offs to loans | 0.0250% | 1,069 |
| Credit loss provision to net charge-offs | 353.3333% | 621 |
| Earnings coverage of net charge-offs (x) | 34.7333% | 1,072 |
| Efficiency ratio | 82.5927% | 941 |
| Assets per employee ($millions) | 4.8908% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3780% | 4,653 |
| Loan loss allowance to noncurrent loans | 108.0240% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 2,033 |
| Noncurrent loans to loans | 0.3499% | 2,231 |
| Net loans and leases to total assets | 74.7758% | 591 |
| Net loans and leases to deposits | 91.5930% | 452 |
| Net loans and leases to core deposits | 91.6923% | 829 |
| Total domestic deposits to total assets | 81.6392% | 4,123 |
| Equity capital to assets | 12.5861% | 784 |
| Core capital (leverage) ratio | 13.9514% | 593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8509% | 337 |
| Memoranda: | ||
| Average total assets | $318,489,500 | 2,404 |
| Average earning assets | $286,557,500 | 2,467 |
| Average equity | $39,848,000 | 2,060 |
| Average total loans | $239,669,500 | 1,997 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4941% | 2,679 |
| Cost of funding earning assets | 0.4074% | 1,490 |
| Net interest margin | 3.0866% | 2,951 |
| Noninterest income to average assets | 1.0305% | 939 |
| Noninterest expense to average assets | 3.3083% | 620 |
| Loan and lease loss provision to assets | 0.0721% | 1,655 |
| Net operating income to assets | 0.3535% | 4,341 |
| Return on assets (ROA) | 0.3535% | 4,368 |
| Pretax return on assets | 0.4342% | 4,354 |
| Return on Equity (ROE) | 2.8784% | 4,381 |
| Retained earnings to average equity (ytd only) | 2.8784% | 3,689 |
| Net charge-offs to loans | 0.0941% | 893 |
| Credit loss provision to net charge-offs | 101.3453% | 1,779 |
| Earnings coverage of net charge-offs (x) | 7.1166% | 2,362 |
| Efficiency ratio | 86.7274% | 433 |
| Assets per employee ($millions) | 4.7699% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3589% | 4,703 |
| Loan loss allowance to noncurrent loans | 83.0769% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 1,887 |
| Noncurrent loans to loans | 0.4320% | 2,062 |
| Net loans and leases to total assets | 75.0531% | 583 |
| Net loans and leases to deposits | 91.9944% | 471 |
| Net loans and leases to core deposits | 92.1825% | 866 |
| Total domestic deposits to total assets | 81.5844% | 4,028 |
| Equity capital to assets | 12.5526% | 1,040 |
| Core capital (leverage) ratio | 13.4975% | 691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5184% | 371 |
| Memoranda: | ||
| Average total assets | $313,453,200 | 2,375 |
| Average earning assets | $282,737,600 | 2,418 |
| Average equity | $38,493,600 | 2,137 |
| Average total loans | $236,866,600 | 2,007 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5063% | 2,821 |
| Cost of funding earning assets | 0.4140% | 1,595 |
| Net interest margin | 3.0924% | 3,071 |
| Noninterest income to average assets | 1.0502% | 988 |
| Noninterest expense to average assets | 3.2110% | 697 |
| Loan and lease loss provision to assets | 0.0805% | 1,476 |
| Net operating income to assets | 0.4450% | 4,306 |
| Return on assets (ROA) | 0.4450% | 4,339 |
| Pretax return on assets | 0.5497% | 4,300 |
| Return on Equity (ROE) | 3.6441% | 4,360 |
| Retained earnings to average equity (ytd only) | 3.6441% | 3,700 |
| Net charge-offs to loans | 0.1023% | 729 |
| Credit loss provision to net charge-offs | 103.8674% | 1,555 |
| Earnings coverage of net charge-offs (x) | 8.1436% | 2,115 |
| Efficiency ratio | 83.5967% | 542 |
| Assets per employee ($millions) | 4.8194% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3612% | 4,785 |
| Loan loss allowance to noncurrent loans | 74.3151% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 1,742 |
| Noncurrent loans to loans | 0.4861% | 2,097 |
| Net loans and leases to total assets | 73.0586% | 770 |
| Net loans and leases to deposits | 89.6468% | 624 |
| Net loans and leases to core deposits | 89.8251% | 1,045 |
| Total domestic deposits to total assets | 81.4960% | 4,016 |
| Equity capital to assets | 11.7665% | 1,506 |
| Core capital (leverage) ratio | 13.4174% | 747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6645% | 391 |
| Memoranda: | ||
| Average total assets | $311,920,750 | 2,402 |
| Average earning assets | $281,502,250 | 2,443 |
| Average equity | $38,088,000 | 2,180 |
| Average total loans | $235,903,000 | 2,054 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6057% | 2,603 |
| Cost of funding earning assets | 0.4241% | 1,708 |
| Net interest margin | 3.1816% | 2,808 |
| Noninterest income to average assets | 1.0318% | 1,024 |
| Noninterest expense to average assets | 3.1762% | 750 |
| Loan and lease loss provision to assets | 0.0737% | 1,603 |
| Net operating income to assets | 0.5231% | 4,169 |
| Return on assets (ROA) | 0.5231% | 4,215 |
| Pretax return on assets | 0.6489% | 4,159 |
| Return on Equity (ROE) | 4.2288% | 4,291 |
| Retained earnings to average equity (ytd only) | 4.2288% | 3,447 |
| Net charge-offs to loans | 0.0708% | 921 |
| Credit loss provision to net charge-offs | 136.1446% | 1,204 |
| Earnings coverage of net charge-offs (x) | 13.3494% | 1,697 |
| Efficiency ratio | 81.4654% | 703 |
| Assets per employee ($millions) | 4.7089% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3770% | 4,812 |
| Loan loss allowance to noncurrent loans | 84.1360% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 1,937 |
| Noncurrent loans to loans | 0.4481% | 2,330 |
| Net loans and leases to total assets | 73.5293% | 809 |
| Net loans and leases to deposits | 90.7085% | 604 |
| Net loans and leases to core deposits | 90.8931% | 1,076 |
| Total domestic deposits to total assets | 81.0611% | 4,084 |
| Equity capital to assets | 11.9693% | 1,377 |
| Core capital (leverage) ratio | 13.6255% | 688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1546% | 375 |
| Memoranda: | ||
| Average total assets | $306,654,667 | 2,419 |
| Average earning assets | $276,340,667 | 2,471 |
| Average equity | $37,930,333 | 2,180 |
| Average total loans | $234,439,000 | 2,065 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7323% | 2,278 |
| Cost of funding earning assets | 0.4408% | 1,796 |
| Net interest margin | 3.2916% | 2,417 |
| Noninterest income to average assets | 1.0284% | 1,095 |
| Noninterest expense to average assets | 3.2320% | 680 |
| Loan and lease loss provision to assets | 0.0934% | 1,432 |
| Net operating income to assets | 0.5349% | 4,106 |
| Return on assets (ROA) | 0.5349% | 4,146 |
| Pretax return on assets | 0.6616% | 4,093 |
| Return on Equity (ROE) | 4.2510% | 4,239 |
| Retained earnings to average equity (ytd only) | 4.2510% | 3,436 |
| Net charge-offs to loans | 0.0925% | 726 |
| Credit loss provision to net charge-offs | 129.6296% | 1,022 |
| Earnings coverage of net charge-offs (x) | 10.4815% | 1,494 |
| Efficiency ratio | 81.0639% | 753 |
| Assets per employee ($millions) | 4.6251% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3746% | 4,841 |
| Loan loss allowance to noncurrent loans | 51.6794% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 1,428 |
| Noncurrent loans to loans | 0.7249% | 1,790 |
| Net loans and leases to total assets | 77.5768% | 491 |
| Net loans and leases to deposits | 97.0505% | 374 |
| Net loans and leases to core deposits | 97.2629% | 833 |
| Total domestic deposits to total assets | 79.9345% | 4,214 |
| Equity capital to assets | 12.6111% | 1,033 |
| Core capital (leverage) ratio | 14.4310% | 573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4071% | 383 |
| Memoranda: | ||
| Average total assets | $299,880,500 | 2,442 |
| Average earning assets | $269,537,000 | 2,493 |
| Average equity | $37,732,500 | 2,172 |
| Average total loans | $233,491,500 | 2,075 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 2,514 |
| Cost of funding earning assets | 0.5873% | 2,402 |
| Net interest margin | 3.4831% | 2,523 |
| Noninterest income to average assets | 0.5708% | 2,330 |
| Noninterest expense to average assets | 3.1521% | 1,145 |
| Loan and lease loss provision to assets | 0.1173% | 2,888 |
| Net operating income to assets | 0.3555% | 4,335 |
| Return on assets (ROA) | 0.3555% | 4,405 |
| Pretax return on assets | 0.4354% | 4,367 |
| Return on Equity (ROE) | 2.8727% | 4,410 |
| Retained earnings to average equity (ytd only) | 2.8727% | 3,431 |
| Net charge-offs to loans | 0.0676% | 1,820 |
| Credit loss provision to net charge-offs | 218.0645% | 2,079 |
| Earnings coverage of net charge-offs (x) | 10.2710% | 2,471 |
| Efficiency ratio | 85.0811% | 563 |
| Assets per employee ($millions) | 4.6020% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3697% | 4,873 |
| Loan loss allowance to noncurrent loans | 53.8125% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 1,883 |
| Noncurrent loans to loans | 0.6870% | 1,969 |
| Net loans and leases to total assets | 77.5666% | 638 |
| Net loans and leases to deposits | 101.3449% | 323 |
| Net loans and leases to core deposits | 101.5765% | 835 |
| Total domestic deposits to total assets | 76.5373% | 4,462 |
| Equity capital to assets | 12.5410% | 1,295 |
| Core capital (leverage) ratio | 14.4452% | 608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3329% | 373 |
| Memoranda: | ||
| Average total assets | $288,034,400 | 2,354 |
| Average earning assets | $259,162,600 | 2,407 |
| Average equity | $35,645,600 | 2,199 |
| Average total loans | $229,316,200 | 2,041 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1208% | 2,619 |
| Cost of funding earning assets | 0.6111% | 2,545 |
| Net interest margin | 3.5097% | 2,561 |
| Noninterest income to average assets | 0.5735% | 2,288 |
| Noninterest expense to average assets | 3.1900% | 1,087 |
| Loan and lease loss provision to assets | 0.1434% | 2,587 |
| Net operating income to assets | 0.3267% | 4,397 |
| Return on assets (ROA) | 0.3267% | 4,456 |
| Pretax return on assets | 0.3996% | 4,431 |
| Return on Equity (ROE) | 2.6493% | 4,450 |
| Retained earnings to average equity (ytd only) | 2.6493% | 3,666 |
| Net charge-offs to loans | 0.0747% | 1,566 |
| Credit loss provision to net charge-offs | 239.8438% | 1,962 |
| Earnings coverage of net charge-offs (x) | 9.0781% | 2,451 |
| Efficiency ratio | 85.4514% | 532 |
| Assets per employee ($millions) | 4.4814% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3716% | 4,896 |
| Loan loss allowance to noncurrent loans | 61.0834% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 2,130 |
| Noncurrent loans to loans | 0.6083% | 2,278 |
| Net loans and leases to total assets | 77.6857% | 871 |
| Net loans and leases to deposits | 100.7339% | 509 |
| Net loans and leases to core deposits | 100.9641% | 1,094 |
| Total domestic deposits to total assets | 77.1197% | 4,309 |
| Equity capital to assets | 11.9825% | 1,687 |
| Core capital (leverage) ratio | 14.2194% | 663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3546% | 386 |
| Memoranda: | ||
| Average total assets | $285,260,500 | 2,350 |
| Average earning assets | $256,803,250 | 2,396 |
| Average equity | $35,178,500 | 2,211 |
| Average total loans | $228,423,750 | 2,043 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2249% | 2,680 |
| Cost of funding earning assets | 0.6397% | 2,759 |
| Net interest margin | 3.5853% | 2,533 |
| Noninterest income to average assets | 0.5707% | 2,252 |
| Noninterest expense to average assets | 3.0970% | 1,363 |
| Loan and lease loss provision to assets | 0.1484% | 2,524 |
| Net operating income to assets | 0.4436% | 4,140 |
| Return on assets (ROA) | 0.4436% | 4,204 |
| Pretax return on assets | 0.5480% | 4,164 |
| Return on Equity (ROE) | 3.5622% | 4,225 |
| Retained earnings to average equity (ytd only) | 3.5622% | 3,149 |
| Net charge-offs to loans | 0.1072% | 1,222 |
| Credit loss provision to net charge-offs | 171.3115% | 2,030 |
| Earnings coverage of net charge-offs (x) | 8.0410% | 2,324 |
| Efficiency ratio | 81.6430% | 782 |
| Assets per employee ($millions) | 4.3751% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3342% | 4,944 |
| Loan loss allowance to noncurrent loans | 56.8351% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 2,224 |
| Noncurrent loans to loans | 0.5879% | 2,395 |
| Net loans and leases to total assets | 76.6946% | 1,044 |
| Net loans and leases to deposits | 101.0782% | 487 |
| Net loans and leases to core deposits | 101.1984% | 1,175 |
| Total domestic deposits to total assets | 75.8764% | 4,440 |
| Equity capital to assets | 11.8880% | 1,733 |
| Core capital (leverage) ratio | 14.4225% | 671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5676% | 378 |
| Memoranda: | ||
| Average total assets | $281,756,000 | 2,350 |
| Average earning assets | $253,258,667 | 2,399 |
| Average equity | $35,091,000 | 2,198 |
| Average total loans | $227,688,000 | 2,028 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5236% | 2,247 |
| Cost of funding earning assets | 0.6719% | 3,050 |
| Net interest margin | 3.8517% | 1,818 |
| Noninterest income to average assets | 0.6266% | 1,922 |
| Noninterest expense to average assets | 3.1357% | 1,556 |
| Loan and lease loss provision to assets | 0.1753% | 1,686 |
| Net operating income to assets | 0.6163% | 3,554 |
| Return on assets (ROA) | 0.6163% | 3,609 |
| Pretax return on assets | 0.7653% | 3,506 |
| Return on Equity (ROE) | 4.8294% | 3,692 |
| Retained earnings to average equity (ytd only) | 4.8294% | 2,349 |
| Net charge-offs to loans | 0.0846% | 1,195 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 13.4167% | 1,651 |
| Efficiency ratio | 76.9258% | 1,459 |
| Assets per employee ($millions) | 4.3322% | 3,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3308% | 4,975 |
| Loan loss allowance to noncurrent loans | 46.5261% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 0.7110% | 1,888 |
| Noncurrent loans to loans | 0.7111% | 2,222 |
| Net loans and leases to total assets | 80.2363% | 670 |
| Net loans and leases to deposits | 109.5457% | 194 |
| Net loans and leases to core deposits | 109.6876% | 861 |
| Total domestic deposits to total assets | 73.2446% | 4,707 |
| Equity capital to assets | 12.4883% | 1,742 |
| Core capital (leverage) ratio | 15.5561% | 589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7168% | 410 |
| Memoranda: | ||
| Average total assets | $273,879,000 | 2,353 |
| Average earning assets | $245,291,500 | 2,405 |
| Average equity | $34,952,500 | 2,206 |
| Average total loans | $227,062,500 | 2,007 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 2,171 |
| Cost of funding earning assets | 0.7027% | 3,147 |
| Net interest margin | 4.0564% | 1,664 |
| Noninterest income to average assets | 0.6968% | 1,834 |
| Noninterest expense to average assets | 3.8362% | 637 |
| Loan and lease loss provision to assets | 0.0887% | 2,248 |
| Net operating income to assets | 0.3452% | 4,688 |
| Return on assets (ROA) | 0.3452% | 4,718 |
| Pretax return on assets | 0.4327% | 4,662 |
| Return on Equity (ROE) | 2.6778% | 4,711 |
| Retained earnings to average equity (ytd only) | 2.6778% | 3,701 |
| Net charge-offs to loans | 0.1413% | 1,382 |
| Credit loss provision to net charge-offs | 74.1214% | 2,864 |
| Earnings coverage of net charge-offs (x) | 4.3578% | 3,223 |
| Efficiency ratio | 88.0351% | 437 |
| Assets per employee ($millions) | 3.9726% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2981% | 5,044 |
| Loan loss allowance to noncurrent loans | 44.6640% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 1,726 |
| Noncurrent loans to loans | 0.6674% | 2,217 |
| Net loans and leases to total assets | 85.1942% | 228 |
| Net loans and leases to deposits | 112.8941% | 141 |
| Net loans and leases to core deposits | 113.0433% | 716 |
| Total domestic deposits to total assets | 75.4638% | 4,661 |
| Equity capital to assets | 13.0516% | 1,484 |
| Core capital (leverage) ratio | 15.7728% | 553 |
| Tier 1 risk-based capital ratio | 24.4123% | 795 |
| Total risk-based capital ratio | 24.8120% | 848 |
| Memoranda: | ||
| Average total assets | $261,616,200 | 2,389 |
| Average earning assets | $236,098,200 | 2,438 |
| Average equity | $33,722,000 | 2,200 |
| Average total loans | $221,460,600 | 2,021 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 2,234 |
| Cost of funding earning assets | 0.6784% | 3,321 |
| Net interest margin | 4.0858% | 1,654 |
| Noninterest income to average assets | 0.6992% | 1,788 |
| Noninterest expense to average assets | 3.6542% | 794 |
| Loan and lease loss provision to assets | 0.1034% | 1,859 |
| Net operating income to assets | 0.5119% | 4,485 |
| Return on assets (ROA) | 0.5119% | 4,542 |
| Pretax return on assets | 0.6347% | 4,480 |
| Return on Equity (ROE) | 3.9838% | 4,595 |
| Retained earnings to average equity (ytd only) | 3.9838% | 3,402 |
| Net charge-offs to loans | 0.1018% | 1,453 |
| Credit loss provision to net charge-offs | 120.2381% | 1,951 |
| Earnings coverage of net charge-offs (x) | 8.5835% | 2,644 |
| Efficiency ratio | 83.1954% | 673 |
| Assets per employee ($millions) | 3.8945% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3524% | 5,090 |
| Loan loss allowance to noncurrent loans | 43.4045% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 0.8258% | 1,668 |
| Noncurrent loans to loans | 0.8119% | 1,941 |
| Net loans and leases to total assets | 84.6746% | 278 |
| Net loans and leases to deposits | 111.5653% | 189 |
| Net loans and leases to core deposits | 111.5653% | 867 |
| Total domestic deposits to total assets | 75.8969% | 4,658 |
| Equity capital to assets | 12.8317% | 1,716 |
| Core capital (leverage) ratio | 15.8661% | 578 |
| Tier 1 risk-based capital ratio | 24.3191% | 818 |
| Total risk-based capital ratio | 24.7837% | 874 |
| Memoranda: | ||
| Average total assets | $260,478,750 | 2,414 |
| Average earning assets | $235,444,750 | 2,454 |
| Average equity | $33,467,750 | 2,231 |
| Average total loans | $219,966,750 | 2,042 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7385% | 2,255 |
| Cost of funding earning assets | 0.6531% | 3,394 |
| Net interest margin | 4.0855% | 1,650 |
| Noninterest income to average assets | 0.6949% | 1,740 |
| Noninterest expense to average assets | 3.7007% | 751 |
| Loan and lease loss provision to assets | 0.1120% | 1,674 |
| Net operating income to assets | 0.4702% | 4,594 |
| Return on assets (ROA) | 0.4702% | 4,625 |
| Pretax return on assets | 0.5822% | 4,574 |
| Return on Equity (ROE) | 3.6581% | 4,657 |
| Retained earnings to average equity (ytd only) | 3.6581% | 3,424 |
| Net charge-offs to loans | 0.1219% | 1,218 |
| Credit loss provision to net charge-offs | 109.0226% | 1,856 |
| Earnings coverage of net charge-offs (x) | 6.7594% | 2,545 |
| Efficiency ratio | 84.2059% | 641 |
| Assets per employee ($millions) | 3.5954% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3515% | 5,144 |
| Loan loss allowance to noncurrent loans | 43.5347% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 0.8230% | 1,709 |
| Noncurrent loans to loans | 0.8075% | 1,980 |
| Net loans and leases to total assets | 83.2727% | 435 |
| Net loans and leases to deposits | 108.2720% | 264 |
| Net loans and leases to core deposits | 108.2720% | 1,082 |
| Total domestic deposits to total assets | 76.9107% | 4,574 |
| Equity capital to assets | 12.7991% | 1,689 |
| Core capital (leverage) ratio | 16.1068% | 533 |
| Tier 1 risk-based capital ratio | 25.0895% | 748 |
| Total risk-based capital ratio | 25.5600% | 804 |
| Memoranda: | ||
| Average total assets | $259,028,670 | 2,428 |
| Average earning assets | $234,588,330 | 2,470 |
| Average equity | $33,296,330 | 2,236 |
| Average total loans | $218,277,000 | 2,055 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7387% | 2,086 |
| Cost of funding earning assets | 0.6306% | 3,403 |
| Net interest margin | 4.1082% | 1,530 |
| Noninterest income to average assets | 0.6685% | 1,735 |
| Noninterest expense to average assets | 3.5304% | 924 |
| Loan and lease loss provision to assets | 0.1741% | 964 |
| Net operating income to assets | 0.5503% | 4,381 |
| Return on assets (ROA) | 0.5503% | 4,409 |
| Pretax return on assets | 0.6809% | 4,347 |
| Return on Equity (ROE) | 4.2718% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.2718% | 3,212 |
| Net charge-offs to loans | 0.1708% | 800 |
| Credit loss provision to net charge-offs | 120.4301% | 1,410 |
| Earnings coverage of net charge-offs (x) | 5.9140% | 2,231 |
| Efficiency ratio | 80.5034% | 1,009 |
| Assets per employee ($millions) | 3.5709% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3580% | 5,209 |
| Loan loss allowance to noncurrent loans | 37.8037% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 0.9588% | 1,464 |
| Noncurrent loans to loans | 0.9469% | 1,768 |
| Net loans and leases to total assets | 84.2351% | 348 |
| Net loans and leases to deposits | 111.6674% | 183 |
| Net loans and leases to core deposits | 111.6674% | 851 |
| Total domestic deposits to total assets | 75.4339% | 4,821 |
| Equity capital to assets | 12.9637% | 1,476 |
| Core capital (leverage) ratio | 15.9762% | 535 |
| Tier 1 risk-based capital ratio | 25.3448% | 737 |
| Total risk-based capital ratio | 25.8274% | 781 |
| Memoranda: | ||
| Average total assets | $257,311,500 | 2,463 |
| Average earning assets | $232,805,500 | 2,504 |
| Average equity | $33,148,000 | 2,246 |
| Average total loans | $217,750,000 | 2,079 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5335% | 2,357 |
| Cost of funding earning assets | 0.5692% | 2,929 |
| Net interest margin | 3.9643% | 2,113 |
| Noninterest income to average assets | 0.6946% | 1,868 |
| Noninterest expense to average assets | 3.4223% | 1,115 |
| Loan and lease loss provision to assets | 0.0843% | 2,446 |
| Net operating income to assets | 0.6230% | 4,355 |
| Return on assets (ROA) | 0.6230% | 4,365 |
| Pretax return on assets | 0.7520% | 4,287 |
| Return on Equity (ROE) | 4.6289% | 4,551 |
| Retained earnings to average equity (ytd only) | 4.6289% | 2,976 |
| Net charge-offs to loans | 0.1053% | 1,705 |
| Credit loss provision to net charge-offs | 95.9459% | 2,628 |
| Earnings coverage of net charge-offs (x) | 9.5180% | 2,804 |
| Efficiency ratio | 80.3625% | 928 |
| Assets per employee ($millions) | 3.5277% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3479% | 5,253 |
| Loan loss allowance to noncurrent loans | 33.4951% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9700% | 1,411 |
| Noncurrent loans to loans | 1.0387% | 1,576 |
| Net loans and leases to total assets | 84.4176% | 378 |
| Net loans and leases to deposits | 112.7990% | 187 |
| Net loans and leases to core deposits | 112.7990% | 844 |
| Total domestic deposits to total assets | 74.8389% | 4,886 |
| Equity capital to assets | 12.8013% | 1,436 |
| Core capital (leverage) ratio | 15.8749% | 533 |
| Tier 1 risk-based capital ratio | 24.9318% | 751 |
| Total risk-based capital ratio | 25.3990% | 792 |
| Memoranda: | ||
| Average total assets | $252,668,000 | 2,454 |
| Average earning assets | $227,151,000 | 2,503 |
| Average equity | $34,003,400 | 2,113 |
| Average total loans | $210,859,800 | 2,090 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4966% | 2,318 |
| Cost of funding earning assets | 0.5283% | 3,009 |
| Net interest margin | 3.9683% | 2,058 |
| Noninterest income to average assets | 0.6697% | 1,979 |
| Noninterest expense to average assets | 3.3802% | 1,151 |
| Loan and lease loss provision to assets | 0.0933% | 2,114 |
| Net operating income to assets | 0.6103% | 4,474 |
| Return on assets (ROA) | 0.6103% | 4,483 |
| Pretax return on assets | 0.7566% | 4,410 |
| Return on Equity (ROE) | 4.4790% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.4790% | 3,508 |
| Net charge-offs to loans | 0.1008% | 1,483 |
| Credit loss provision to net charge-offs | 111.3924% | 2,095 |
| Earnings coverage of net charge-offs (x) | 10.1456% | 2,607 |
| Efficiency ratio | 79.9072% | 950 |
| Assets per employee ($millions) | 3.8508% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3668% | 5,316 |
| Loan loss allowance to noncurrent loans | 44.4822% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 0.8054% | 1,830 |
| Noncurrent loans to loans | 0.8246% | 2,054 |
| Net loans and leases to total assets | 82.7511% | 595 |
| Net loans and leases to deposits | 110.3501% | 277 |
| Net loans and leases to core deposits | 110.3501% | 1,011 |
| Total domestic deposits to total assets | 74.9896% | 4,883 |
| Equity capital to assets | 13.4959% | 1,136 |
| Core capital (leverage) ratio | 15.8896% | 535 |
| Tier 1 risk-based capital ratio | 25.0240% | 754 |
| Total risk-based capital ratio | 25.5147% | 796 |
| Memoranda: | ||
| Average total assets | $251,454,750 | 2,478 |
| Average earning assets | $225,616,500 | 2,534 |
| Average equity | $34,262,750 | 2,107 |
| Average total loans | $209,036,750 | 2,107 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4851% | 2,139 |
| Cost of funding earning assets | 0.5118% | 2,916 |
| Net interest margin | 3.9732% | 1,947 |
| Noninterest income to average assets | 0.6980% | 1,879 |
| Noninterest expense to average assets | 3.4621% | 1,048 |
| Loan and lease loss provision to assets | 0.0867% | 2,182 |
| Net operating income to assets | 0.5801% | 4,567 |
| Return on assets (ROA) | 0.5801% | 4,560 |
| Pretax return on assets | 0.7181% | 4,464 |
| Return on Equity (ROE) | 4.2433% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.2433% | 3,484 |
| Net charge-offs to loans | 0.0897% | 1,451 |
| Credit loss provision to net charge-offs | 116.1290% | 1,832 |
| Earnings coverage of net charge-offs (x) | 10.7849% | 2,310 |
| Efficiency ratio | 81.1395% | 906 |
| Assets per employee ($millions) | 3.8123% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3751% | 5,380 |
| Loan loss allowance to noncurrent loans | 48.2737% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 0.7539% | 1,971 |
| Noncurrent loans to loans | 0.7771% | 2,179 |
| Net loans and leases to total assets | 82.6411% | 636 |
| Net loans and leases to deposits | 106.0584% | 428 |
| Net loans and leases to core deposits | 106.0584% | 1,240 |
| Total domestic deposits to total assets | 77.9204% | 4,599 |
| Equity capital to assets | 13.6695% | 1,039 |
| Core capital (leverage) ratio | 15.9829% | 496 |
| Tier 1 risk-based capital ratio | 25.4494% | 703 |
| Total risk-based capital ratio | 25.9518% | 737 |
| Memoranda: | ||
| Average total assets | $249,271,330 | 2,505 |
| Average earning assets | $223,899,330 | 2,560 |
| Average equity | $34,077,000 | 2,122 |
| Average total loans | $207,286,330 | 2,128 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4798% | 1,926 |
| Cost of funding earning assets | 0.5219% | 2,613 |
| Net interest margin | 3.9580% | 1,849 |
| Noninterest income to average assets | 0.6868% | 1,890 |
| Noninterest expense to average assets | 3.2664% | 1,413 |
| Loan and lease loss provision to assets | 0.0758% | 2,249 |
| Net operating income to assets | 0.7271% | 3,993 |
| Return on assets (ROA) | 0.7271% | 4,004 |
| Pretax return on assets | 0.9029% | 3,841 |
| Return on Equity (ROE) | 5.3186% | 4,383 |
| Retained earnings to average equity (ytd only) | 5.3186% | 3,031 |
| Net charge-offs to loans | 0.1336% | 1,005 |
| Credit loss provision to net charge-offs | 68.1159% | 1,844 |
| Earnings coverage of net charge-offs (x) | 8.7971% | 2,011 |
| Efficiency ratio | 76.9464% | 1,469 |
| Assets per employee ($millions) | 3.5797% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3619% | 5,458 |
| Loan loss allowance to noncurrent loans | 44.6172% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 0.7467% | 2,082 |
| Noncurrent loans to loans | 0.8111% | 2,190 |
| Net loans and leases to total assets | 81.9672% | 670 |
| Net loans and leases to deposits | 105.3941% | 408 |
| Net loans and leases to core deposits | 105.3941% | 1,284 |
| Total domestic deposits to total assets | 77.7721% | 4,756 |
| Equity capital to assets | 13.6214% | 1,007 |
| Core capital (leverage) ratio | 16.0293% | 485 |
| Tier 1 risk-based capital ratio | 25.8645% | 694 |
| Total risk-based capital ratio | 26.3544% | 733 |
| Memoranda: | ||
| Average total assets | $248,101,000 | 2,533 |
| Average earning assets | $223,043,500 | 2,585 |
| Average equity | $33,918,500 | 2,145 |
| Average total loans | $206,570,500 | 2,146 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3106% | 2,285 |
| Cost of funding earning assets | 0.5663% | 1,846 |
| Net interest margin | 3.7443% | 2,626 |
| Noninterest income to average assets | 0.7239% | 1,869 |
| Noninterest expense to average assets | 3.5831% | 914 |
| Loan and lease loss provision to assets | 0.0641% | 2,938 |
| Net operating income to assets | 0.2920% | 4,942 |
| Return on assets (ROA) | 0.2852% | 4,973 |
| Pretax return on assets | 0.4279% | 5,049 |
| Return on Equity (ROE) | 2.2294% | 5,014 |
| Retained earnings to average equity (ytd only) | 2.2294% | 3,987 |
| Net charge-offs to loans | 0.0756% | 2,370 |
| Credit loss provision to net charge-offs | 103.8961% | 2,465 |
| Earnings coverage of net charge-offs (x) | 8.1364% | 2,955 |
| Efficiency ratio | 87.7121% | 549 |
| Assets per employee ($millions) | 3.8218% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3710% | 5,511 |
| Loan loss allowance to noncurrent loans | 38.4384% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 0.8753% | 1,781 |
| Noncurrent loans to loans | 0.9652% | 1,832 |
| Net loans and leases to total assets | 84.3170% | 415 |
| Net loans and leases to deposits | 108.4688% | 309 |
| Net loans and leases to core deposits | 108.4688% | 1,099 |
| Total domestic deposits to total assets | 77.7339% | 4,756 |
| Equity capital to assets | 13.1985% | 1,164 |
| Core capital (leverage) ratio | 15.2383% | 579 |
| Tier 1 risk-based capital ratio | 24.6698% | 756 |
| Total risk-based capital ratio | 25.1773% | 802 |
| Memoranda: | ||
| Average total assets | $249,614,000 | 2,494 |
| Average earning assets | $224,074,800 | 2,556 |
| Average equity | $31,936,400 | 2,220 |
| Average total loans | $203,655,800 | 2,127 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2694% | 2,363 |
| Cost of funding earning assets | 0.5684% | 1,752 |
| Net interest margin | 3.7009% | 2,760 |
| Noninterest income to average assets | 0.6962% | 2,022 |
| Noninterest expense to average assets | 3.4705% | 1,037 |
| Loan and lease loss provision to assets | 0.0845% | 2,402 |
| Net operating income to assets | 0.3109% | 5,200 |
| Return on assets (ROA) | 0.3019% | 5,233 |
| Pretax return on assets | 0.4464% | 5,119 |
| Return on Equity (ROE) | 2.3778% | 5,247 |
| Retained earnings to average equity (ytd only) | 2.3778% | 4,458 |
| Net charge-offs to loans | 0.0960% | 1,827 |
| Credit loss provision to net charge-offs | 108.9041% | 2,151 |
| Earnings coverage of net charge-offs (x) | 7.0138% | 2,920 |
| Efficiency ratio | 86.4443% | 605 |
| Assets per employee ($millions) | 3.7341% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3777% | 5,574 |
| Loan loss allowance to noncurrent loans | 48.3770% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7674% | 2,218 |
| Noncurrent loans to loans | 0.7807% | 2,414 |
| Net loans and leases to total assets | 81.7095% | 740 |
| Net loans and leases to deposits | 104.8274% | 455 |
| Net loans and leases to core deposits | 104.8274% | 1,343 |
| Total domestic deposits to total assets | 77.9467% | 4,736 |
| Equity capital to assets | 12.8525% | 1,463 |
| Core capital (leverage) ratio | 14.7707% | 705 |
| Tier 1 risk-based capital ratio | 24.7151% | 786 |
| Total risk-based capital ratio | 25.2301% | 831 |
| Memoranda: | ||
| Average total assets | $250,868,500 | 2,501 |
| Average earning assets | $224,946,250 | 2,568 |
| Average equity | $31,849,750 | 2,246 |
| Average total loans | $202,818,750 | 2,145 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2301% | 2,356 |
| Cost of funding earning assets | 0.5705% | 1,645 |
| Net interest margin | 3.6597% | 2,794 |
| Noninterest income to average assets | 0.6993% | 1,995 |
| Noninterest expense to average assets | 3.5078% | 994 |
| Loan and lease loss provision to assets | 0.0637% | 2,694 |
| Net operating income to assets | 0.2732% | 5,283 |
| Return on assets (ROA) | 0.2597% | 5,325 |
| Pretax return on assets | 0.3831% | 5,203 |
| Return on Equity (ROE) | 2.0537% | 5,337 |
| Retained earnings to average equity (ytd only) | 2.0537% | 4,434 |
| Net charge-offs to loans | 0.1228% | 1,423 |
| Credit loss provision to net charge-offs | 64.5161% | 2,423 |
| Earnings coverage of net charge-offs (x) | 4.7258% | 2,893 |
| Efficiency ratio | 88.2565% | 534 |
| Assets per employee ($millions) | 3.5208% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3539% | 5,637 |
| Loan loss allowance to noncurrent loans | 43.3575% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 0.7893% | 2,235 |
| Noncurrent loans to loans | 0.8163% | 2,363 |
| Net loans and leases to total assets | 79.7436% | 991 |
| Net loans and leases to deposits | 102.7519% | 560 |
| Net loans and leases to core deposits | 102.9571% | 1,439 |
| Total domestic deposits to total assets | 77.6079% | 4,879 |
| Equity capital to assets | 12.5909% | 1,577 |
| Core capital (leverage) ratio | 14.8100% | 678 |
| Tier 1 risk-based capital ratio | 24.3915% | 817 |
| Total risk-based capital ratio | 24.8655% | 876 |
| Memoranda: | ||
| Average total assets | $251,096,330 | 2,506 |
| Average earning assets | $224,720,330 | 2,581 |
| Average equity | $31,748,000 | 2,244 |
| Average total loans | $202,025,000 | 2,152 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 2,113 |
| Cost of funding earning assets | 0.5790% | 1,518 |
| Net interest margin | 3.6659% | 2,626 |
| Noninterest income to average assets | 0.7059% | 1,938 |
| Noninterest expense to average assets | 3.4879% | 1,062 |
| Loan and lease loss provision to assets | 0.0624% | 2,561 |
| Net operating income to assets | 0.2941% | 5,210 |
| Return on assets (ROA) | 0.2897% | 5,236 |
| Pretax return on assets | 0.4226% | 5,118 |
| Return on Equity (ROE) | 2.2866% | 5,283 |
| Retained earnings to average equity (ytd only) | 2.2866% | 4,226 |
| Net charge-offs to loans | 0.1508% | 1,055 |
| Credit loss provision to net charge-offs | 51.3158% | 1,972 |
| Earnings coverage of net charge-offs (x) | 4.0395% | 2,425 |
| Efficiency ratio | 87.6508% | 685 |
| Assets per employee ($millions) | 3.6804% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3600% | 5,710 |
| Loan loss allowance to noncurrent loans | 40.2554% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 0.9278% | 1,997 |
| Noncurrent loans to loans | 0.8943% | 2,239 |
| Net loans and leases to total assets | 80.1741% | 811 |
| Net loans and leases to deposits | 103.7326% | 411 |
| Net loans and leases to core deposits | 104.0780% | 1,218 |
| Total domestic deposits to total assets | 77.2892% | 5,079 |
| Equity capital to assets | 12.6867% | 1,414 |
| Core capital (leverage) ratio | 14.8818% | 627 |
| Tier 1 risk-based capital ratio | 24.5056% | 820 |
| Total risk-based capital ratio | 24.9887% | 875 |
| Memoranda: | ||
| Average total assets | $249,894,500 | 2,544 |
| Average earning assets | $223,136,000 | 2,620 |
| Average equity | $31,663,000 | 2,253 |
| Average total loans | $201,603,500 | 2,164 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 2,073 |
| Cost of funding earning assets | 0.5784% | 1,493 |
| Net interest margin | 3.7433% | 2,528 |
| Noninterest income to average assets | 0.7225% | 2,066 |
| Noninterest expense to average assets | 3.7728% | 801 |
| Loan and lease loss provision to assets | 0.0581% | 3,224 |
| Net operating income to assets | 0.2178% | 5,384 |
| Return on assets (ROA) | 0.2150% | 5,453 |
| Pretax return on assets | 0.2170% | 5,483 |
| Return on Equity (ROE) | 1.7045% | 5,456 |
| Retained earnings to average equity (ytd only) | 1.7045% | 4,560 |
| Net charge-offs to loans | 0.0292% | 3,435 |
| Credit loss provision to net charge-offs | 248.2759% | 1,169 |
| Earnings coverage of net charge-offs (x) | 11.8793% | 2,504 |
| Efficiency ratio | 93.1388% | 419 |
| Assets per employee ($millions) | 3.3719% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3775% | 5,750 |
| Loan loss allowance to noncurrent loans | 64.7409% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 2,640 |
| Noncurrent loans to loans | 0.5832% | 3,101 |
| Net loans and leases to total assets | 80.5823% | 798 |
| Net loans and leases to deposits | 104.3181% | 421 |
| Net loans and leases to core deposits | 104.5296% | 1,240 |
| Total domestic deposits to total assets | 77.2467% | 5,082 |
| Equity capital to assets | 12.6543% | 1,425 |
| Core capital (leverage) ratio | 14.8636% | 622 |
| Tier 1 risk-based capital ratio | 24.3418% | 835 |
| Total risk-based capital ratio | 24.8485% | 895 |
| Memoranda: | ||
| Average total assets | $247,905,800 | 2,524 |
| Average earning assets | $220,420,600 | 2,594 |
| Average equity | $31,269,600 | 2,274 |
| Average total loans | $198,528,800 | 2,128 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 2,095 |
| Cost of funding earning assets | 0.5878% | 1,431 |
| Net interest margin | 3.7376% | 2,562 |
| Noninterest income to average assets | 0.6895% | 2,216 |
| Noninterest expense to average assets | 3.7235% | 824 |
| Loan and lease loss provision to assets | 0.0501% | 3,243 |
| Net operating income to assets | 0.1632% | 5,530 |
| Return on assets (ROA) | 0.1632% | 5,588 |
| Pretax return on assets | 0.2354% | 5,532 |
| Return on Equity (ROE) | 1.2951% | 5,603 |
| Retained earnings to average equity (ytd only) | 1.2951% | 4,995 |
| Net charge-offs to loans | 0.0701% | 2,312 |
| Credit loss provision to net charge-offs | 89.4231% | 2,536 |
| Earnings coverage of net charge-offs (x) | 5.0963% | 3,177 |
| Efficiency ratio | 92.8783% | 434 |
| Assets per employee ($millions) | 3.2486% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3323% | 5,840 |
| Loan loss allowance to noncurrent loans | 49.3323% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 0.9077% | 2,284 |
| Noncurrent loans to loans | 0.6735% | 3,005 |
| Net loans and leases to total assets | 80.7942% | 784 |
| Net loans and leases to deposits | 105.0095% | 409 |
| Net loans and leases to core deposits | 105.2250% | 1,260 |
| Total domestic deposits to total assets | 76.9399% | 5,102 |
| Equity capital to assets | 12.6929% | 1,651 |
| Core capital (leverage) ratio | 14.6343% | 694 |
| Tier 1 risk-based capital ratio | 24.2992% | 878 |
| Total risk-based capital ratio | 24.7435% | 928 |
| Memoranda: | ||
| Average total assets | $247,502,250 | 2,537 |
| Average earning assets | $219,812,250 | 2,608 |
| Average equity | $31,193,250 | 2,291 |
| Average total loans | $197,703,250 | 2,142 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3039% | 2,148 |
| Cost of funding earning assets | 0.5865% | 1,425 |
| Net interest margin | 3.7174% | 2,624 |
| Noninterest income to average assets | 0.6726% | 2,259 |
| Noninterest expense to average assets | 3.6471% | 946 |
| Loan and lease loss provision to assets | 0.0525% | 3,096 |
| Net operating income to assets | 0.1914% | 5,542 |
| Return on assets (ROA) | 0.1914% | 5,596 |
| Pretax return on assets | 0.2737% | 5,535 |
| Return on Equity (ROE) | 1.5219% | 5,605 |
| Retained earnings to average equity (ytd only) | 1.5219% | 4,772 |
| Net charge-offs to loans | 0.0772% | 2,089 |
| Credit loss provision to net charge-offs | 85.5263% | 2,311 |
| Earnings coverage of net charge-offs (x) | 5.3158% | 2,872 |
| Efficiency ratio | 91.7903% | 507 |
| Assets per employee ($millions) | 3.3396% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3365% | 5,921 |
| Loan loss allowance to noncurrent loans | 56.4996% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 0.8520% | 2,459 |
| Noncurrent loans to loans | 0.5956% | 3,282 |
| Net loans and leases to total assets | 78.6319% | 1,121 |
| Net loans and leases to deposits | 101.8293% | 574 |
| Net loans and leases to core deposits | 102.6519% | 1,424 |
| Total domestic deposits to total assets | 77.2193% | 5,132 |
| Equity capital to assets | 12.4909% | 1,778 |
| Core capital (leverage) ratio | 14.6924% | 668 |
| Tier 1 risk-based capital ratio | 24.6083% | 841 |
| Total risk-based capital ratio | 25.0590% | 900 |
| Memoranda: | ||
| Average total assets | $247,705,000 | 2,550 |
| Average earning assets | $219,940,000 | 2,616 |
| Average equity | $31,145,000 | 2,299 |
| Average total loans | $196,890,670 | 2,151 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3414% | 1,994 |
| Cost of funding earning assets | 0.5928% | 1,380 |
| Net interest margin | 3.7486% | 2,484 |
| Noninterest income to average assets | 0.7324% | 1,891 |
| Noninterest expense to average assets | 3.7138% | 881 |
| Loan and lease loss provision to assets | 0.0991% | 2,040 |
| Net operating income to assets | 0.1786% | 5,571 |
| Return on assets (ROA) | 0.1786% | 5,627 |
| Pretax return on assets | 0.2468% | 5,584 |
| Return on Equity (ROE) | 1.4160% | 5,631 |
| Retained earnings to average equity (ytd only) | 1.4160% | 4,698 |
| Net charge-offs to loans | 0.1242% | 1,361 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 3.4918% | 2,539 |
| Efficiency ratio | 91.4800% | 582 |
| Assets per employee ($millions) | 3.3330% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3451% | 5,987 |
| Loan loss allowance to noncurrent loans | 49.4876% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 0.8429% | 2,580 |
| Noncurrent loans to loans | 0.6974% | 3,102 |
| Net loans and leases to total assets | 79.1409% | 931 |
| Net loans and leases to deposits | 103.0384% | 458 |
| Net loans and leases to core deposits | 103.8127% | 1,200 |
| Total domestic deposits to total assets | 76.8072% | 5,315 |
| Equity capital to assets | 12.6291% | 1,602 |
| Core capital (leverage) ratio | 14.7716% | 649 |
| Tier 1 risk-based capital ratio | 25.5973% | 762 |
| Total risk-based capital ratio | 26.0754% | 814 |
| Memoranda: | ||
| Average total assets | $246,322,000 | 2,566 |
| Average earning assets | $218,640,000 | 2,641 |
| Average equity | $31,074,500 | 2,298 |
| Average total loans | $196,528,500 | 2,154 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 1,626 |
| Cost of funding earning assets | 0.5661% | 1,623 |
| Net interest margin | 3.9251% | 1,947 |
| Noninterest income to average assets | 0.7597% | 1,937 |
| Noninterest expense to average assets | 3.6214% | 1,088 |
| Loan and lease loss provision to assets | 0.0599% | 3,106 |
| Net operating income to assets | 0.3521% | 5,208 |
| Return on assets (ROA) | 0.3521% | 5,298 |
| Pretax return on assets | 0.5547% | 4,975 |
| Return on Equity (ROE) | 2.6622% | 5,410 |
| Retained earnings to average equity (ytd only) | 2.6622% | 4,178 |
| Net charge-offs to loans | 0.0769% | 2,724 |
| Credit loss provision to net charge-offs | 96.0265% | 2,639 |
| Earnings coverage of net charge-offs (x) | 9.8477% | 2,769 |
| Efficiency ratio | 85.4913% | 1,042 |
| Assets per employee ($millions) | 3.2368% | 5,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3428% | 6,029 |
| Loan loss allowance to noncurrent loans | 48.2857% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 0.8655% | 2,503 |
| Noncurrent loans to loans | 0.7100% | 3,060 |
| Net loans and leases to total assets | 79.8816% | 860 |
| Net loans and leases to deposits | 104.9229% | 397 |
| Net loans and leases to core deposits | 105.5836% | 1,123 |
| Total domestic deposits to total assets | 76.1336% | 5,428 |
| Equity capital to assets | 12.6017% | 1,566 |
| Core capital (leverage) ratio | 14.8317% | 648 |
| Tier 1 risk-based capital ratio | 25.3454% | 788 |
| Total risk-based capital ratio | 25.8201% | 838 |
| Memoranda: | ||
| Average total assets | $241,948,400 | 2,563 |
| Average earning assets | $214,289,000 | 2,643 |
| Average equity | $32,004,000 | 2,201 |
| Average total loans | $196,416,000 | 2,107 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5298% | 1,510 |
| Cost of funding earning assets | 0.5608% | 1,706 |
| Net interest margin | 3.9691% | 1,810 |
| Noninterest income to average assets | 0.7648% | 1,961 |
| Noninterest expense to average assets | 3.5920% | 1,131 |
| Loan and lease loss provision to assets | 0.0703% | 2,774 |
| Net operating income to assets | 0.4012% | 5,160 |
| Return on assets (ROA) | 0.4012% | 5,248 |
| Pretax return on assets | 0.6159% | 4,939 |
| Return on Equity (ROE) | 2.9969% | 5,392 |
| Retained earnings to average equity (ytd only) | 2.9969% | 4,312 |
| Net charge-offs to loans | 0.0944% | 2,216 |
| Credit loss provision to net charge-offs | 91.3669% | 2,453 |
| Earnings coverage of net charge-offs (x) | 8.9208% | 2,755 |
| Efficiency ratio | 83.9607% | 1,179 |
| Assets per employee ($millions) | 3.3187% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3383% | 6,123 |
| Loan loss allowance to noncurrent loans | 61.7512% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 3,126 |
| Noncurrent loans to loans | 0.5478% | 3,700 |
| Net loans and leases to total assets | 80.3723% | 766 |
| Net loans and leases to deposits | 105.8361% | 371 |
| Net loans and leases to core deposits | 106.5042% | 1,063 |
| Total domestic deposits to total assets | 75.9404% | 5,491 |
| Equity capital to assets | 13.2840% | 1,315 |
| Core capital (leverage) ratio | 14.8035% | 681 |
| Tier 1 risk-based capital ratio | 25.3582% | 825 |
| Total risk-based capital ratio | 25.8307% | 877 |
| Memoranda: | ||
| Average total assets | $240,935,750 | 2,589 |
| Average earning assets | $213,278,000 | 2,667 |
| Average equity | $32,255,000 | 2,203 |
| Average total loans | $196,224,000 | 2,122 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5745% | 1,337 |
| Cost of funding earning assets | 0.5537% | 1,788 |
| Net interest margin | 4.0209% | 1,580 |
| Noninterest income to average assets | 0.7553% | 1,972 |
| Noninterest expense to average assets | 3.6451% | 1,056 |
| Loan and lease loss provision to assets | 0.0760% | 2,598 |
| Net operating income to assets | 0.3893% | 5,164 |
| Return on assets (ROA) | 0.3893% | 5,276 |
| Pretax return on assets | 0.5957% | 4,986 |
| Return on Equity (ROE) | 2.9005% | 5,432 |
| Retained earnings to average equity (ytd only) | 2.9005% | 4,193 |
| Net charge-offs to loans | 0.1053% | 1,951 |
| Credit loss provision to net charge-offs | 88.3495% | 2,226 |
| Earnings coverage of net charge-offs (x) | 7.8058% | 2,626 |
| Efficiency ratio | 84.4397% | 1,215 |
| Assets per employee ($millions) | 3.3212% | 5,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3419% | 6,191 |
| Loan loss allowance to noncurrent loans | 71.6578% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 3,391 |
| Noncurrent loans to loans | 0.4771% | 4,043 |
| Net loans and leases to total assets | 81.6760% | 587 |
| Net loans and leases to deposits | 105.0782% | 404 |
| Net loans and leases to core deposits | 105.7427% | 1,081 |
| Total domestic deposits to total assets | 77.7288% | 5,325 |
| Equity capital to assets | 13.5258% | 1,160 |
| Core capital (leverage) ratio | 14.9171% | 628 |
| Tier 1 risk-based capital ratio | 25.9279% | 786 |
| Total risk-based capital ratio | 26.4145% | 833 |
| Memoranda: | ||
| Average total assets | $239,387,000 | 2,614 |
| Average earning assets | $212,044,000 | 2,693 |
| Average equity | $32,132,330 | 2,215 |
| Average total loans | $195,615,330 | 2,123 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6041% | 1,208 |
| Cost of funding earning assets | 0.5505% | 1,837 |
| Net interest margin | 4.0536% | 1,404 |
| Noninterest income to average assets | 0.7148% | 2,098 |
| Noninterest expense to average assets | 3.5622% | 1,189 |
| Loan and lease loss provision to assets | 0.0768% | 2,416 |
| Net operating income to assets | 0.4325% | 4,936 |
| Return on assets (ROA) | 0.4325% | 5,058 |
| Pretax return on assets | 0.6663% | 4,707 |
| Return on Equity (ROE) | 3.2348% | 5,288 |
| Retained earnings to average equity (ytd only) | 3.2348% | 4,048 |
| Net charge-offs to loans | 0.0942% | 1,784 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 9.6739% | 1,990 |
| Efficiency ratio | 82.7386% | 1,529 |
| Assets per employee ($millions) | 3.2388% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3498% | 6,265 |
| Loan loss allowance to noncurrent loans | 78.7529% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6901% | 3,418 |
| Noncurrent loans to loans | 0.4442% | 4,257 |
| Net loans and leases to total assets | 81.0614% | 563 |
| Net loans and leases to deposits | 104.1973% | 361 |
| Net loans and leases to core deposits | 104.3434% | 1,042 |
| Total domestic deposits to total assets | 77.7960% | 5,486 |
| Equity capital to assets | 13.4193% | 1,208 |
| Core capital (leverage) ratio | 14.9213% | 622 |
| Tier 1 risk-based capital ratio | 25.9296% | 793 |
| Total risk-based capital ratio | 26.4277% | 850 |
| Memoranda: | ||
| Average total assets | $239,516,000 | 2,638 |
| Average earning assets | $212,157,500 | 2,707 |
| Average equity | $32,026,500 | 2,234 |
| Average total loans | $195,432,500 | 2,122 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5269% | 1,766 |
| Cost of funding earning assets | 0.5944% | 1,811 |
| Net interest margin | 3.9325% | 2,113 |
| Noninterest income to average assets | 0.8085% | 1,840 |
| Noninterest expense to average assets | 3.3226% | 1,869 |
| Loan and lease loss provision to assets | 0.0972% | 2,524 |
| Net operating income to assets | 0.5355% | 4,660 |
| Return on assets (ROA) | 0.5347% | 4,744 |
| Pretax return on assets | 0.8509% | 4,071 |
| Return on Equity (ROE) | 3.8975% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.8975% | 3,442 |
| Net charge-offs to loans | 0.1466% | 2,573 |
| Credit loss provision to net charge-offs | 82.9787% | 2,805 |
| Earnings coverage of net charge-offs (x) | 8.1028% | 2,925 |
| Efficiency ratio | 77.7767% | 2,236 |
| Assets per employee ($millions) | 3.3713% | 5,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3481% | 6,353 |
| Loan loss allowance to noncurrent loans | 52.9915% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 0.8155% | 3,165 |
| Noncurrent loans to loans | 0.6570% | 3,716 |
| Net loans and leases to total assets | 81.5590% | 568 |
| Net loans and leases to deposits | 104.7042% | 409 |
| Net loans and leases to core deposits | 104.8572% | 1,086 |
| Total domestic deposits to total assets | 77.8947% | 5,457 |
| Equity capital to assets | 13.3233% | 1,219 |
| Core capital (leverage) ratio | 14.5314% | 698 |
| Tier 1 risk-based capital ratio | 24.6570% | 871 |
| Total risk-based capital ratio | 25.1383% | 944 |
| Memoranda: | ||
| Average total assets | $240,681,800 | 2,609 |
| Average earning assets | $211,976,200 | 2,689 |
| Average equity | $33,021,200 | 2,113 |
| Average total loans | $192,422,800 | 2,093 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4948% | 1,887 |
| Cost of funding earning assets | 0.5968% | 1,869 |
| Net interest margin | 3.8981% | 2,250 |
| Noninterest income to average assets | 0.8254% | 1,793 |
| Noninterest expense to average assets | 3.2966% | 1,904 |
| Loan and lease loss provision to assets | 0.1073% | 2,251 |
| Net operating income to assets | 0.5715% | 4,588 |
| Return on assets (ROA) | 0.5715% | 4,663 |
| Pretax return on assets | 0.8508% | 4,175 |
| Return on Equity (ROE) | 4.1356% | 5,120 |
| Retained earnings to average equity (ytd only) | 4.1356% | 3,715 |
| Net charge-offs to loans | 0.1684% | 2,111 |
| Credit loss provision to net charge-offs | 80.1653% | 2,587 |
| Earnings coverage of net charge-offs (x) | 7.1570% | 2,968 |
| Efficiency ratio | 77.4802% | 2,270 |
| Assets per employee ($millions) | 3.4510% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3518% | 6,435 |
| Loan loss allowance to noncurrent loans | 85.4637% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 0.6193% | 3,972 |
| Noncurrent loans to loans | 0.4116% | 4,670 |
| Net loans and leases to total assets | 79.9659% | 717 |
| Net loans and leases to deposits | 103.9078% | 414 |
| Net loans and leases to core deposits | 104.0595% | 1,101 |
| Total domestic deposits to total assets | 76.9585% | 5,682 |
| Equity capital to assets | 13.9900% | 1,011 |
| Core capital (leverage) ratio | 14.4885% | 730 |
| Tier 1 risk-based capital ratio | 23.9314% | 997 |
| Total risk-based capital ratio | 24.4004% | 1,080 |
| Memoranda: | ||
| Average total assets | $241,011,500 | 2,620 |
| Average earning assets | $212,030,000 | 2,709 |
| Average equity | $33,303,750 | 2,098 |
| Average total loans | $191,552,500 | 2,115 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4595% | 1,961 |
| Cost of funding earning assets | 0.5923% | 1,961 |
| Net interest margin | 3.8672% | 2,308 |
| Noninterest income to average assets | 0.8645% | 1,609 |
| Noninterest expense to average assets | 3.3012% | 1,918 |
| Loan and lease loss provision to assets | 0.1063% | 2,247 |
| Net operating income to assets | 0.5822% | 4,441 |
| Return on assets (ROA) | 0.5822% | 4,541 |
| Pretax return on assets | 0.8679% | 4,006 |
| Return on Equity (ROE) | 4.2306% | 5,045 |
| Retained earnings to average equity (ytd only) | 4.2306% | 3,481 |
| Net charge-offs to loans | 0.1342% | 2,329 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 9.1641% | 2,395 |
| Efficiency ratio | 77.2145% | 2,423 |
| Assets per employee ($millions) | 3.3857% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3815% | 6,495 |
| Loan loss allowance to noncurrent loans | 87.8460% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 4,147 |
| Noncurrent loans to loans | 0.4342% | 4,685 |
| Net loans and leases to total assets | 79.3064% | 767 |
| Net loans and leases to deposits | 101.3961% | 485 |
| Net loans and leases to core deposits | 101.5485% | 1,168 |
| Total domestic deposits to total assets | 78.2144% | 5,595 |
| Equity capital to assets | 13.9262% | 1,001 |
| Core capital (leverage) ratio | 14.4434% | 717 |
| Tier 1 risk-based capital ratio | 24.4442% | 938 |
| Total risk-based capital ratio | 24.9619% | 997 |
| Memoranda: | ||
| Average total assets | $240,824,330 | 2,633 |
| Average earning assets | $212,399,000 | 2,714 |
| Average equity | $33,139,670 | 2,088 |
| Average total loans | $190,784,000 | 2,119 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3984% | 2,140 |
| Cost of funding earning assets | 0.6195% | 1,820 |
| Net interest margin | 3.7789% | 2,557 |
| Noninterest income to average assets | 0.8380% | 1,608 |
| Noninterest expense to average assets | 3.2177% | 2,170 |
| Loan and lease loss provision to assets | 0.0664% | 2,796 |
| Net operating income to assets | 0.5924% | 4,229 |
| Return on assets (ROA) | 0.5924% | 4,308 |
| Pretax return on assets | 0.8845% | 3,758 |
| Return on Equity (ROE) | 4.3311% | 4,868 |
| Retained earnings to average equity (ytd only) | 4.3311% | 3,530 |
| Net charge-offs to loans | 0.0777% | 2,376 |
| Credit loss provision to net charge-offs | 108.1081% | 1,556 |
| Earnings coverage of net charge-offs (x) | 15.4865% | 1,546 |
| Efficiency ratio | 77.1895% | 2,616 |
| Assets per employee ($millions) | 3.4694% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3859% | 6,570 |
| Loan loss allowance to noncurrent loans | 55.4883% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 0.7605% | 3,840 |
| Noncurrent loans to loans | 0.6954% | 4,127 |
| Net loans and leases to total assets | 77.9170% | 778 |
| Net loans and leases to deposits | 99.1387% | 484 |
| Net loans and leases to core deposits | 99.4837% | 1,135 |
| Total domestic deposits to total assets | 78.5939% | 5,739 |
| Equity capital to assets | 13.6513% | 1,052 |
| Core capital (leverage) ratio | 14.2161% | 752 |
| Tier 1 risk-based capital ratio | 24.3629% | 953 |
| Total risk-based capital ratio | 24.8861% | 1,037 |
| Memoranda: | ||
| Average total assets | $241,042,500 | 2,631 |
| Average earning assets | $212,440,500 | 2,725 |
| Average equity | $32,971,000 | 2,090 |
| Average total loans | $190,489,500 | 2,130 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4170% | 2,525 |
| Cost of funding earning assets | 0.6776% | 1,975 |
| Net interest margin | 3.7394% | 2,898 |
| Noninterest income to average assets | 0.8425% | 1,895 |
| Noninterest expense to average assets | 3.7898% | 1,154 |
| Loan and lease loss provision to assets | 0.0787% | 3,535 |
| Net operating income to assets | 0.2357% | 5,731 |
| Return on assets (ROA) | 0.2305% | 5,810 |
| Pretax return on assets | 0.3408% | 5,625 |
| Return on Equity (ROE) | 1.7669% | 5,913 |
| Retained earnings to average equity (ytd only) | 1.7669% | 4,973 |
| Net charge-offs to loans | 0.1838% | 3,001 |
| Credit loss provision to net charge-offs | 53.0259% | 3,751 |
| Earnings coverage of net charge-offs (x) | 2.8790% | 4,039 |
| Efficiency ratio | 89.8692% | 1,030 |
| Assets per employee ($millions) | 3.2771% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3822% | 6,650 |
| Loan loss allowance to noncurrent loans | 43.8438% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 0.9179% | 3,601 |
| Noncurrent loans to loans | 0.8716% | 3,801 |
| Net loans and leases to total assets | 79.5430% | 642 |
| Net loans and leases to deposits | 100.6735% | 449 |
| Net loans and leases to core deposits | 101.0257% | 1,086 |
| Total domestic deposits to total assets | 79.0109% | 5,651 |
| Equity capital to assets | 13.7061% | 992 |
| Core capital (leverage) ratio | 14.1287% | 793 |
| Tier 1 risk-based capital ratio | 23.5128% | 1,020 |
| Total risk-based capital ratio | 24.0317% | 1,108 |
| Memoranda: | ||
| Average total assets | $233,837,600 | 2,682 |
| Average earning assets | $211,025,000 | 2,711 |
| Average equity | $30,506,200 | 2,225 |
| Average total loans | $188,804,800 | 2,111 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4516% | 2,409 |
| Cost of funding earning assets | 0.6889% | 2,025 |
| Net interest margin | 3.7627% | 2,793 |
| Noninterest income to average assets | 0.8350% | 1,994 |
| Noninterest expense to average assets | 3.7902% | 1,096 |
| Loan and lease loss provision to assets | 0.0883% | 3,293 |
| Net operating income to assets | 0.2688% | 5,718 |
| Return on assets (ROA) | 0.2713% | 5,812 |
| Pretax return on assets | 0.3774% | 5,687 |
| Return on Equity (ROE) | 2.1067% | 5,904 |
| Retained earnings to average equity (ytd only) | 2.1067% | 5,061 |
| Net charge-offs to loans | 0.2281% | 2,440 |
| Credit loss provision to net charge-offs | 47.8261% | 3,563 |
| Earnings coverage of net charge-offs (x) | 2.5031% | 3,999 |
| Efficiency ratio | 89.1301% | 1,075 |
| Assets per employee ($millions) | 3.1830% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3825% | 6,732 |
| Loan loss allowance to noncurrent loans | 44.8639% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 0.8977% | 3,894 |
| Noncurrent loans to loans | 0.8525% | 4,120 |
| Net loans and leases to total assets | 81.2683% | 426 |
| Net loans and leases to deposits | 100.0387% | 465 |
| Net loans and leases to core deposits | 100.3865% | 1,087 |
| Total domestic deposits to total assets | 81.2369% | 5,159 |
| Equity capital to assets | 12.9639% | 1,345 |
| Core capital (leverage) ratio | 14.2973% | 789 |
| Tier 1 risk-based capital ratio | 24.8876% | 885 |
| Total risk-based capital ratio | 25.4255% | 955 |
| Memoranda: | ||
| Average total assets | $232,489,750 | 2,708 |
| Average earning assets | $211,154,750 | 2,723 |
| Average equity | $29,935,500 | 2,274 |
| Average total loans | $188,251,000 | 2,118 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4797% | 2,275 |
| Cost of funding earning assets | 0.6995% | 2,064 |
| Net interest margin | 3.7802% | 2,638 |
| Noninterest income to average assets | 0.8042% | 2,171 |
| Noninterest expense to average assets | 3.8025% | 1,090 |
| Loan and lease loss provision to assets | 0.0826% | 3,420 |
| Net operating income to assets | 0.2603% | 5,745 |
| Return on assets (ROA) | 0.2640% | 5,865 |
| Pretax return on assets | 0.3638% | 5,722 |
| Return on Equity (ROE) | 2.0554% | 5,939 |
| Retained earnings to average equity (ytd only) | 2.0554% | 4,971 |
| Net charge-offs to loans | 0.1501% | 2,902 |
| Credit loss provision to net charge-offs | 68.0851% | 2,869 |
| Earnings coverage of net charge-offs (x) | 3.6383% | 3,340 |
| Efficiency ratio | 89.6028% | 1,077 |
| Assets per employee ($millions) | 3.2039% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4523% | 6,742 |
| Loan loss allowance to noncurrent loans | 55.6066% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 0.9030% | 3,978 |
| Noncurrent loans to loans | 0.8134% | 4,288 |
| Net loans and leases to total assets | 79.8009% | 555 |
| Net loans and leases to deposits | 98.0340% | 538 |
| Net loans and leases to core deposits | 98.3760% | 1,180 |
| Total domestic deposits to total assets | 81.4013% | 5,234 |
| Equity capital to assets | 12.8095% | 1,417 |
| Core capital (leverage) ratio | 14.2387% | 765 |
| Tier 1 risk-based capital ratio | 25.0490% | 867 |
| Total risk-based capital ratio | 25.6861% | 927 |
| Memoranda: | ||
| Average total assets | $232,533,000 | 2,719 |
| Average earning assets | $211,576,330 | 2,726 |
| Average equity | $29,873,000 | 2,279 |
| Average total loans | $187,814,670 | 2,127 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5530% | 1,981 |
| Cost of funding earning assets | 0.7061% | 2,155 |
| Net interest margin | 3.8469% | 2,297 |
| Noninterest income to average assets | 0.8057% | 2,104 |
| Noninterest expense to average assets | 3.8955% | 1,005 |
| Loan and lease loss provision to assets | 0.1277% | 2,643 |
| Net operating income to assets | 0.2156% | 5,837 |
| Return on assets (ROA) | 0.2156% | 5,955 |
| Pretax return on assets | 0.2881% | 5,881 |
| Return on Equity (ROE) | 1.6762% | 6,039 |
| Retained earnings to average equity (ytd only) | 1.6762% | 5,149 |
| Net charge-offs to loans | 0.1553% | 2,468 |
| Credit loss provision to net charge-offs | 101.3699% | 1,804 |
| Earnings coverage of net charge-offs (x) | 3.3014% | 2,795 |
| Efficiency ratio | 90.3561% | 1,114 |
| Assets per employee ($millions) | 3.2727% | 5,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4778% | 6,806 |
| Loan loss allowance to noncurrent loans | 58.0897% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 0.8573% | 4,237 |
| Noncurrent loans to loans | 0.8224% | 4,479 |
| Net loans and leases to total assets | 80.1488% | 410 |
| Net loans and leases to deposits | 99.2491% | 382 |
| Net loans and leases to core deposits | 99.5984% | 973 |
| Total domestic deposits to total assets | 80.7552% | 5,556 |
| Equity capital to assets | 12.8568% | 1,498 |
| Core capital (leverage) ratio | 14.3586% | 703 |
| Tier 1 risk-based capital ratio | 25.1671% | 867 |
| Total risk-based capital ratio | 25.8453% | 929 |
| Memoranda: | ||
| Average total assets | $231,858,500 | 2,757 |
| Average earning assets | $211,289,500 | 2,758 |
| Average equity | $29,830,000 | 2,310 |
| Average total loans | $187,978,000 | 2,134 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9155% | 1,787 |
| Cost of funding earning assets | 0.8728% | 2,119 |
| Net interest margin | 4.0427% | 2,227 |
| Noninterest income to average assets | 0.7309% | 2,584 |
| Noninterest expense to average assets | 4.5579% | 548 |
| Loan and lease loss provision to assets | 0.0386% | 5,391 |
| Net operating income to assets | -0.1179% | 6,297 |
| Return on assets (ROA) | -0.1071% | 6,389 |
| Pretax return on assets | -0.1530% | 6,397 |
| Return on Equity (ROE) | -0.8313% | 6,376 |
| Retained earnings to average equity (ytd only) | -0.8313% | 5,993 |
| Net charge-offs to loans | 0.1041% | 4,627 |
| Credit loss provision to net charge-offs | 45.2261% | 4,811 |
| Earnings coverage of net charge-offs (x) | -1.5226% | 5,808 |
| Efficiency ratio | 102.9318% | 465 |
| Assets per employee ($millions) | 2.9286% | 6,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4729% | 6,855 |
| Loan loss allowance to noncurrent loans | 46.2455% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 1.0590% | 3,910 |
| Noncurrent loans to loans | 1.0226% | 4,159 |
| Net loans and leases to total assets | 81.2317% | 381 |
| Net loans and leases to deposits | 100.6265% | 389 |
| Net loans and leases to core deposits | 101.1186% | 952 |
| Total domestic deposits to total assets | 80.7260% | 5,475 |
| Equity capital to assets | 12.8744% | 1,504 |
| Core capital (leverage) ratio | 14.3742% | 704 |
| Tier 1 risk-based capital ratio | 25.5543% | 803 |
| Total risk-based capital ratio | 26.2384% | 846 |
| Memoranda: | ||
| Average total assets | $233,395,000 | 2,695 |
| Average earning assets | $213,446,000 | 2,695 |
| Average equity | $30,073,800 | 2,242 |
| Average total loans | $191,229,200 | 2,084 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9777% | 1,749 |
| Cost of funding earning assets | 0.9101% | 2,107 |
| Net interest margin | 4.0676% | 2,217 |
| Noninterest income to average assets | 0.7291% | 2,579 |
| Noninterest expense to average assets | 4.0933% | 833 |
| Loan and lease loss provision to assets | 0.0507% | 5,120 |
| Net operating income to assets | 0.2219% | 5,859 |
| Return on assets (ROA) | 0.2223% | 6,033 |
| Pretax return on assets | 0.3050% | 5,947 |
| Return on Equity (ROE) | 1.7249% | 6,096 |
| Retained earnings to average equity (ytd only) | 1.7249% | 5,469 |
| Net charge-offs to loans | 0.0917% | 4,460 |
| Credit loss provision to net charge-offs | 67.4242% | 3,969 |
| Earnings coverage of net charge-offs (x) | 4.7196% | 3,223 |
| Efficiency ratio | 92.0169% | 884 |
| Assets per employee ($millions) | 2.8620% | 6,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5009% | 6,953 |
| Loan loss allowance to noncurrent loans | 47.6403% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 1.1651% | 3,953 |
| Noncurrent loans to loans | 1.0514% | 4,336 |
| Net loans and leases to total assets | 82.1757% | 330 |
| Net loans and leases to deposits | 102.0961% | 343 |
| Net loans and leases to core deposits | 102.4579% | 960 |
| Total domestic deposits to total assets | 80.4887% | 5,520 |
| Equity capital to assets | 13.1046% | 1,543 |
| Core capital (leverage) ratio | 14.4598% | 717 |
| Tier 1 risk-based capital ratio | 25.5959% | 860 |
| Total risk-based capital ratio | 26.3168% | 891 |
| Memoranda: | ||
| Average total assets | $233,904,250 | 2,712 |
| Average earning assets | $213,881,000 | 2,710 |
| Average equity | $30,145,750 | 2,257 |
| Average total loans | $191,829,250 | 2,103 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0196% | 1,734 |
| Cost of funding earning assets | 0.9574% | 2,015 |
| Net interest margin | 4.0623% | 2,240 |
| Noninterest income to average assets | 0.7306% | 2,514 |
| Noninterest expense to average assets | 4.1526% | 778 |
| Loan and lease loss provision to assets | 0.0230% | 5,380 |
| Net operating income to assets | 0.2029% | 5,908 |
| Return on assets (ROA) | 0.2029% | 6,092 |
| Pretax return on assets | 0.2737% | 6,011 |
| Return on Equity (ROE) | 1.5831% | 6,170 |
| Retained earnings to average equity (ytd only) | 1.5831% | 5,413 |
| Net charge-offs to loans | 0.0521% | 4,678 |
| Credit loss provision to net charge-offs | 54.0000% | 3,955 |
| Earnings coverage of net charge-offs (x) | 6.9600% | 2,552 |
| Efficiency ratio | 93.3321% | 843 |
| Assets per employee ($millions) | 2.9581% | 6,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5141% | 7,010 |
| Loan loss allowance to noncurrent loans | 58.7988% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 0.9918% | 4,394 |
| Noncurrent loans to loans | 0.8743% | 4,744 |
| Net loans and leases to total assets | 80.0638% | 504 |
| Net loans and leases to deposits | 98.9306% | 474 |
| Net loans and leases to core deposits | 99.2691% | 1,146 |
| Total domestic deposits to total assets | 80.9292% | 5,491 |
| Equity capital to assets | 12.7681% | 1,643 |
| Core capital (leverage) ratio | 14.1288% | 773 |
| Tier 1 risk-based capital ratio | 25.5756% | 847 |
| Total risk-based capital ratio | 26.3301% | 878 |
| Memoranda: | ||
| Average total assets | $234,599,330 | 2,713 |
| Average earning assets | $214,757,000 | 2,705 |
| Average equity | $30,068,000 | 2,248 |
| Average total loans | $191,953,000 | 2,104 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1061% | 1,555 |
| Cost of funding earning assets | 1.0115% | 1,910 |
| Net interest margin | 4.0946% | 2,109 |
| Noninterest income to average assets | 0.7090% | 2,618 |
| Noninterest expense to average assets | 4.2453% | 703 |
| Loan and lease loss provision to assets | 0.0428% | 4,860 |
| Net operating income to assets | 0.1353% | 6,162 |
| Return on assets (ROA) | 0.1353% | 6,285 |
| Pretax return on assets | 0.1644% | 6,264 |
| Return on Equity (ROE) | 1.0535% | 6,336 |
| Retained earnings to average equity (ytd only) | 1.0535% | 5,654 |
| Net charge-offs to loans | 0.0623% | 3,873 |
| Credit loss provision to net charge-offs | 83.3333% | 2,671 |
| Earnings coverage of net charge-offs (x) | 4.0333% | 2,687 |
| Efficiency ratio | 95.3462% | 754 |
| Assets per employee ($millions) | 2.9715% | 6,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5227% | 7,049 |
| Loan loss allowance to noncurrent loans | 68.4753% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.0028% | 4,486 |
| Noncurrent loans to loans | 0.7634% | 5,133 |
| Net loans and leases to total assets | 80.8244% | 345 |
| Net loans and leases to deposits | 100.0221% | 368 |
| Net loans and leases to core deposits | 100.6402% | 950 |
| Total domestic deposits to total assets | 80.8065% | 5,652 |
| Equity capital to assets | 12.7957% | 1,546 |
| Core capital (leverage) ratio | 14.2396% | 742 |
| Tier 1 risk-based capital ratio | 24.8135% | 921 |
| Total risk-based capital ratio | 25.5662% | 960 |
| Memoranda: | ||
| Average total assets | $233,576,500 | 2,735 |
| Average earning assets | $213,549,000 | 2,728 |
| Average equity | $29,994,500 | 2,261 |
| Average total loans | $192,706,500 | 2,103 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5446% | 1,068 |
| Cost of funding earning assets | 1.2115% | 1,956 |
| Net interest margin | 4.3331% | 1,596 |
| Noninterest income to average assets | 0.7555% | 2,309 |
| Noninterest expense to average assets | 3.8720% | 1,225 |
| Loan and lease loss provision to assets | 0.0837% | 5,565 |
| Net operating income to assets | 0.3751% | 4,971 |
| Return on assets (ROA) | 0.3748% | 5,146 |
| Pretax return on assets | 0.5882% | 4,729 |
| Return on Equity (ROE) | 2.8757% | 5,342 |
| Retained earnings to average equity (ytd only) | 2.8757% | 4,208 |
| Net charge-offs to loans | 0.0963% | 5,385 |
| Credit loss provision to net charge-offs | 104.2105% | 3,301 |
| Earnings coverage of net charge-offs (x) | 8.3737% | 2,160 |
| Efficiency ratio | 85.2069% | 1,654 |
| Assets per employee ($millions) | 2.8692% | 6,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5147% | 7,095 |
| Loan loss allowance to noncurrent loans | 52.0519% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 1.0667% | 4,483 |
| Noncurrent loans to loans | 0.9888% | 4,727 |
| Net loans and leases to total assets | 83.3375% | 246 |
| Net loans and leases to deposits | 103.5124% | 321 |
| Net loans and leases to core deposits | 104.6116% | 866 |
| Total domestic deposits to total assets | 80.5096% | 5,589 |
| Equity capital to assets | 12.8876% | 1,553 |
| Core capital (leverage) ratio | 14.0228% | 821 |
| Tier 1 risk-based capital ratio | 24.7009% | 902 |
| Total risk-based capital ratio | 25.4525% | 936 |
| Memoranda: | ||
| Average total assets | $236,672,200 | 2,667 |
| Average earning assets | $206,941,200 | 2,765 |
| Average equity | $30,844,400 | 2,139 |
| Average total loans | $197,377,000 | 2,063 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6347% | 968 |
| Cost of funding earning assets | 1.2591% | 1,941 |
| Net interest margin | 4.3755% | 1,475 |
| Noninterest income to average assets | 0.7341% | 2,393 |
| Noninterest expense to average assets | 3.8416% | 1,245 |
| Loan and lease loss provision to assets | 0.0667% | 5,619 |
| Net operating income to assets | 0.3963% | 5,017 |
| Return on assets (ROA) | 0.3959% | 5,199 |
| Pretax return on assets | 0.6079% | 4,781 |
| Return on Equity (ROE) | 3.0299% | 5,404 |
| Retained earnings to average equity (ytd only) | 3.0299% | 4,525 |
| Net charge-offs to loans | 0.0942% | 5,033 |
| Credit loss provision to net charge-offs | 85.0000% | 3,960 |
| Earnings coverage of net charge-offs (x) | 8.6001% | 2,150 |
| Efficiency ratio | 85.0509% | 1,634 |
| Assets per employee ($millions) | 2.8540% | 6,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4937% | 7,168 |
| Loan loss allowance to noncurrent loans | 48.6014% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 0.9524% | 4,841 |
| Noncurrent loans to loans | 1.0159% | 4,860 |
| Net loans and leases to total assets | 82.7814% | 304 |
| Net loans and leases to deposits | 103.3036% | 338 |
| Net loans and leases to core deposits | 104.3814% | 958 |
| Total domestic deposits to total assets | 80.1341% | 5,699 |
| Equity capital to assets | 13.2758% | 1,476 |
| Core capital (leverage) ratio | 13.0788% | 1,197 |
| Tier 1 risk-based capital ratio | 22.8070% | 1,173 |
| Total risk-based capital ratio | 23.5173% | 1,220 |
| Memoranda: | ||
| Average total assets | $237,739,750 | 2,669 |
| Average earning assets | $205,531,500 | 2,791 |
| Average equity | $31,067,750 | 2,132 |
| Average total loans | $198,051,250 | 2,076 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6671% | 930 |
| Cost of funding earning assets | 1.2857% | 2,031 |
| Net interest margin | 4.3814% | 1,431 |
| Noninterest income to average assets | 0.7268% | 2,395 |
| Noninterest expense to average assets | 3.8987% | 1,195 |
| Loan and lease loss provision to assets | 0.0655% | 5,490 |
| Net operating income to assets | 0.3627% | 5,118 |
| Return on assets (ROA) | 0.3621% | 5,260 |
| Pretax return on assets | 0.5529% | 4,899 |
| Return on Equity (ROE) | 2.7859% | 5,485 |
| Retained earnings to average equity (ytd only) | 2.7859% | 4,510 |
| Net charge-offs to loans | 0.0867% | 4,784 |
| Credit loss provision to net charge-offs | 90.6977% | 3,438 |
| Earnings coverage of net charge-offs (x) | 8.5698% | 2,041 |
| Efficiency ratio | 86.2935% | 1,573 |
| Assets per employee ($millions) | 2.8535% | 6,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4991% | 7,227 |
| Loan loss allowance to noncurrent loans | 52.5306% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 0.8552% | 5,161 |
| Noncurrent loans to loans | 0.9502% | 5,084 |
| Net loans and leases to total assets | 82.0010% | 370 |
| Net loans and leases to deposits | 103.7164% | 329 |
| Net loans and leases to core deposits | 104.9598% | 987 |
| Total domestic deposits to total assets | 79.0626% | 6,071 |
| Equity capital to assets | 12.9898% | 1,518 |
| Core capital (leverage) ratio | 13.0449% | 1,142 |
| Tier 1 risk-based capital ratio | 22.7862% | 1,151 |
| Total risk-based capital ratio | 23.5094% | 1,191 |
| Memoranda: | ||
| Average total assets | $238,025,330 | 2,675 |
| Average earning assets | $205,962,000 | 2,807 |
| Average equity | $30,941,000 | 2,130 |
| Average total loans | $198,379,000 | 2,100 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7035% | 875 |
| Cost of funding earning assets | 1.3044% | 2,152 |
| Net interest margin | 4.3991% | 1,279 |
| Noninterest income to average assets | 0.7150% | 2,487 |
| Noninterest expense to average assets | 3.8045% | 1,332 |
| Loan and lease loss provision to assets | 0.0354% | 5,535 |
| Net operating income to assets | 0.4559% | 4,688 |
| Return on assets (ROA) | 0.4570% | 4,768 |
| Pretax return on assets | 0.7100% | 4,266 |
| Return on Equity (ROE) | 3.5145% | 5,137 |
| Retained earnings to average equity (ytd only) | 3.5145% | 4,077 |
| Net charge-offs to loans | 0.0684% | 4,240 |
| Credit loss provision to net charge-offs | 61.7647% | 3,516 |
| Earnings coverage of net charge-offs (x) | 12.9706% | 1,470 |
| Efficiency ratio | 83.6485% | 1,996 |
| Assets per employee ($millions) | 2.9557% | 6,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4960% | 7,283 |
| Loan loss allowance to noncurrent loans | 56.8037% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7849% | 5,340 |
| Noncurrent loans to loans | 0.8731% | 5,297 |
| Net loans and leases to total assets | 83.2337% | 261 |
| Net loans and leases to deposits | 105.6669% | 259 |
| Net loans and leases to core deposits | 106.8087% | 904 |
| Total domestic deposits to total assets | 78.7698% | 6,243 |
| Equity capital to assets | 13.0912% | 1,347 |
| Core capital (leverage) ratio | 13.2607% | 1,040 |
| Tier 1 risk-based capital ratio | 23.0966% | 1,069 |
| Total risk-based capital ratio | 23.8229% | 1,114 |
| Memoranda: | ||
| Average total assets | $237,190,000 | 2,708 |
| Average earning assets | $206,678,500 | 2,822 |
| Average equity | $30,843,500 | 2,123 |
| Average total loans | $198,799,000 | 2,120 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7945% | 1,289 |
| Cost of funding earning assets | 1.5345% | 2,446 |
| Net interest margin | 4.2600% | 1,954 |
| Noninterest income to average assets | 0.7497% | 2,545 |
| Noninterest expense to average assets | 3.9199% | 1,283 |
| Loan and lease loss provision to assets | 0.0963% | 6,181 |
| Net operating income to assets | 0.3195% | 4,867 |
| Return on assets (ROA) | 0.3161% | 5,049 |
| Pretax return on assets | 0.5015% | 4,619 |
| Return on Equity (ROE) | 2.5030% | 5,179 |
| Retained earnings to average equity (ytd only) | 2.5030% | 4,119 |
| Net charge-offs to loans | 0.0849% | 5,989 |
| Credit loss provision to net charge-offs | 134.5029% | 2,902 |
| Earnings coverage of net charge-offs (x) | 8.4269% | 1,973 |
| Efficiency ratio | 86.6636% | 1,604 |
| Assets per employee ($millions) | 2.9741% | 6,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4975% | 7,360 |
| Loan loss allowance to noncurrent loans | 47.4010% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 0.9856% | 5,038 |
| Noncurrent loans to loans | 1.0495% | 4,971 |
| Net loans and leases to total assets | 83.5611% | 339 |
| Net loans and leases to deposits | 106.1293% | 317 |
| Net loans and leases to core deposits | 107.4439% | 1,097 |
| Total domestic deposits to total assets | 78.7352% | 6,152 |
| Equity capital to assets | 12.9167% | 1,432 |
| Core capital (leverage) ratio | 13.8300% | 881 |
| Tier 1 risk-based capital ratio | 24.0962% | 926 |
| Total risk-based capital ratio | 24.8270% | 956 |
| Memoranda: | ||
| Average total assets | $238,885,000 | 2,645 |
| Average earning assets | $211,596,600 | 2,737 |
| Average equity | $30,163,400 | 2,164 |
| Average total loans | $201,489,000 | 2,139 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8009% | 1,395 |
| Cost of funding earning assets | 1.5819% | 2,493 |
| Net interest margin | 4.2189% | 2,155 |
| Noninterest income to average assets | 0.7455% | 2,546 |
| Noninterest expense to average assets | 3.9041% | 1,195 |
| Loan and lease loss provision to assets | 0.0965% | 6,058 |
| Net operating income to assets | 0.3156% | 5,106 |
| Return on assets (ROA) | 0.3156% | 5,277 |
| Pretax return on assets | 0.4951% | 4,943 |
| Return on Equity (ROE) | 2.5137% | 5,425 |
| Retained earnings to average equity (ytd only) | 2.5137% | 4,660 |
| Net charge-offs to loans | 0.0740% | 5,782 |
| Credit loss provision to net charge-offs | 154.4643% | 2,492 |
| Earnings coverage of net charge-offs (x) | 9.4732% | 2,016 |
| Efficiency ratio | 86.8411% | 1,547 |
| Assets per employee ($millions) | 2.8695% | 6,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4939% | 7,464 |
| Loan loss allowance to noncurrent loans | 49.7006% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 1.0081% | 5,072 |
| Noncurrent loans to loans | 0.9937% | 5,250 |
| Net loans and leases to total assets | 85.2815% | 249 |
| Net loans and leases to deposits | 107.4538% | 310 |
| Net loans and leases to core deposits | 108.3251% | 1,139 |
| Total domestic deposits to total assets | 79.3658% | 5,910 |
| Equity capital to assets | 12.8970% | 1,630 |
| Core capital (leverage) ratio | 13.5311% | 1,050 |
| Tier 1 risk-based capital ratio | 23.9238% | 956 |
| Total risk-based capital ratio | 24.6555% | 988 |
| Memoranda: | ||
| Average total assets | $239,125,250 | 2,679 |
| Average earning assets | $212,561,250 | 2,759 |
| Average equity | $30,021,250 | 2,195 |
| Average total loans | $201,909,750 | 2,169 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7893% | 1,446 |
| Cost of funding earning assets | 1.6187% | 2,552 |
| Net interest margin | 4.1706% | 2,260 |
| Noninterest income to average assets | 0.7413% | 2,450 |
| Noninterest expense to average assets | 3.8278% | 1,310 |
| Loan and lease loss provision to assets | 0.1190% | 5,706 |
| Net operating income to assets | 0.3095% | 5,138 |
| Return on assets (ROA) | 0.3095% | 5,294 |
| Pretax return on assets | 0.4942% | 4,918 |
| Return on Equity (ROE) | 2.4872% | 5,472 |
| Retained earnings to average equity (ytd only) | 2.4872% | 4,572 |
| Net charge-offs to loans | 0.0753% | 5,392 |
| Credit loss provision to net charge-offs | 188.1579% | 2,097 |
| Earnings coverage of net charge-offs (x) | 9.6974% | 1,985 |
| Efficiency ratio | 86.1933% | 1,690 |
| Assets per employee ($millions) | 2.8625% | 6,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4970% | 7,512 |
| Loan loss allowance to noncurrent loans | 44.2775% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 1.1179% | 4,892 |
| Noncurrent loans to loans | 1.1225% | 5,080 |
| Net loans and leases to total assets | 82.4467% | 492 |
| Net loans and leases to deposits | 105.7402% | 405 |
| Net loans and leases to core deposits | 106.7365% | 1,386 |
| Total domestic deposits to total assets | 77.9710% | 6,276 |
| Equity capital to assets | 12.3818% | 1,880 |
| Core capital (leverage) ratio | 13.3065% | 1,113 |
| Tier 1 risk-based capital ratio | 24.5822% | 885 |
| Total risk-based capital ratio | 25.3430% | 915 |
| Memoranda: | ||
| Average total assets | $240,399,330 | 2,697 |
| Average earning assets | $213,253,670 | 2,770 |
| Average equity | $29,912,670 | 2,195 |
| Average total loans | $201,991,000 | 2,194 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8472% | 1,331 |
| Cost of funding earning assets | 1.5809% | 3,075 |
| Net interest margin | 4.2663% | 1,798 |
| Noninterest income to average assets | 0.7165% | 2,493 |
| Noninterest expense to average assets | 3.8386% | 1,264 |
| Loan and lease loss provision to assets | 0.1590% | 4,942 |
| Net operating income to assets | 0.3465% | 5,094 |
| Return on assets (ROA) | 0.3465% | 5,217 |
| Pretax return on assets | 0.5273% | 4,865 |
| Return on Equity (ROE) | 2.7780% | 5,441 |
| Retained earnings to average equity (ytd only) | 2.7780% | 4,468 |
| Net charge-offs to loans | -0.0317% | 7,212 |
| Credit loss provision to net charge-offs | -593.7500% | 6,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8317% | 1,927 |
| Assets per employee ($millions) | 2.8615% | 6,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5190% | 7,575 |
| Loan loss allowance to noncurrent loans | 63.2024% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 0.9040% | 5,348 |
| Noncurrent loans to loans | 0.8212% | 5,672 |
| Net loans and leases to total assets | 83.4135% | 440 |
| Net loans and leases to deposits | 107.5311% | 361 |
| Net loans and leases to core deposits | 108.3692% | 1,392 |
| Total domestic deposits to total assets | 77.5715% | 6,435 |
| Equity capital to assets | 12.4486% | 1,781 |
| Core capital (leverage) ratio | 13.5872% | 1,062 |
| Tier 1 risk-based capital ratio | 24.5675% | 913 |
| Total risk-based capital ratio | 25.3650% | 934 |
| Memoranda: | ||
| Average total assets | $238,941,000 | 2,778 |
| Average earning assets | $213,299,500 | 2,827 |
| Average equity | $29,805,500 | 2,231 |
| Average total loans | $202,182,500 | 2,252 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0645% | 1,624 |
| Cost of funding earning assets | 1.9865% | 3,023 |
| Net interest margin | 4.0780% | 2,543 |
| Noninterest income to average assets | 0.7112% | 2,892 |
| Noninterest expense to average assets | 3.8076% | 1,686 |
| Loan and lease loss provision to assets | 0.1626% | 6,062 |
| Net operating income to assets | 0.2468% | 4,731 |
| Return on assets (ROA) | 0.2371% | 4,846 |
| Pretax return on assets | 0.3869% | 4,532 |
| Return on Equity (ROE) | 1.9863% | 4,912 |
| Retained earnings to average equity (ytd only) | 1.9863% | 3,711 |
| Net charge-offs to loans | 0.1678% | 5,610 |
| Credit loss provision to net charge-offs | 116.1765% | 4,675 |
| Earnings coverage of net charge-offs (x) | 4.0353% | 3,093 |
| Efficiency ratio | 87.0846% | 1,981 |
| Assets per employee ($millions) | 2.8276% | 6,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4610% | 7,699 |
| Loan loss allowance to noncurrent loans | 54.6145% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 0.9397% | 5,224 |
| Noncurrent loans to loans | 0.8441% | 5,601 |
| Net loans and leases to total assets | 84.9990% | 352 |
| Net loans and leases to deposits | 110.0657% | 380 |
| Net loans and leases to core deposits | 120.2459% | 1,933 |
| Total domestic deposits to total assets | 77.2257% | 6,408 |
| Equity capital to assets | 12.4997% | 1,749 |
| Core capital (leverage) ratio | 13.4796% | 1,096 |
| Tier 1 risk-based capital ratio | 24.3019% | 921 |
| Total risk-based capital ratio | 25.0116% | 952 |
| Memoranda: | ||
| Average total assets | $242,959,400 | 2,684 |
| Average earning assets | $218,123,000 | 2,729 |
| Average equity | $28,998,600 | 2,302 |
| Average total loans | $202,604,600 | 2,276 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1068% | 1,626 |
| Cost of funding earning assets | 2.0774% | 2,999 |
| Net interest margin | 4.0294% | 2,685 |
| Noninterest income to average assets | 0.6920% | 3,074 |
| Noninterest expense to average assets | 3.7518% | 1,703 |
| Loan and lease loss provision to assets | 0.1654% | 5,702 |
| Net operating income to assets | 0.2570% | 4,963 |
| Return on assets (ROA) | 0.2570% | 5,049 |
| Pretax return on assets | 0.3875% | 4,830 |
| Return on Equity (ROE) | 2.1785% | 5,100 |
| Retained earnings to average equity (ytd only) | 2.1785% | 4,108 |
| Net charge-offs to loans | 0.1264% | 5,433 |
| Credit loss provision to net charge-offs | 157.8125% | 3,020 |
| Earnings coverage of net charge-offs (x) | 5.2761% | 2,877 |
| Efficiency ratio | 87.1577% | 1,950 |
| Assets per employee ($millions) | 2.8204% | 6,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4875% | 7,731 |
| Loan loss allowance to noncurrent loans | 65.9787% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 0.7809% | 5,559 |
| Noncurrent loans to loans | 0.7389% | 5,837 |
| Net loans and leases to total assets | 84.3754% | 498 |
| Net loans and leases to deposits | 108.7147% | 510 |
| Net loans and leases to core deposits | 120.1680% | 2,225 |
| Total domestic deposits to total assets | 77.6118% | 6,188 |
| Equity capital to assets | 12.1537% | 2,154 |
| Core capital (leverage) ratio | 13.0918% | 1,349 |
| Tier 1 risk-based capital ratio | 23.7790% | 1,021 |
| Total risk-based capital ratio | 24.5177% | 1,048 |
| Memoranda: | ||
| Average total assets | $244,319,750 | 2,682 |
| Average earning assets | $219,050,000 | 2,736 |
| Average equity | $28,826,000 | 2,333 |
| Average total loans | $202,550,000 | 2,293 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1492% | 1,619 |
| Cost of funding earning assets | 2.1685% | 2,943 |
| Net interest margin | 3.9807% | 2,782 |
| Noninterest income to average assets | 0.6663% | 3,220 |
| Noninterest expense to average assets | 3.6039% | 2,066 |
| Loan and lease loss provision to assets | 0.1969% | 5,090 |
| Net operating income to assets | 0.2758% | 4,993 |
| Return on assets (ROA) | 0.2758% | 5,098 |
| Pretax return on assets | 0.4198% | 4,880 |
| Return on Equity (ROE) | 2.3605% | 5,154 |
| Retained earnings to average equity (ytd only) | 2.3605% | 4,022 |
| Net charge-offs to loans | 0.0969% | 5,200 |
| Credit loss provision to net charge-offs | 246.9388% | 1,882 |
| Earnings coverage of net charge-offs (x) | 7.7347% | 2,398 |
| Efficiency ratio | 85.3894% | 2,305 |
| Assets per employee ($millions) | 2.8517% | 6,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5088% | 7,777 |
| Loan loss allowance to noncurrent loans | 61.2074% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 0.7533% | 5,518 |
| Noncurrent loans to loans | 0.8313% | 5,563 |
| Net loans and leases to total assets | 80.7102% | 1,189 |
| Net loans and leases to deposits | 106.7833% | 724 |
| Net loans and leases to core deposits | 118.3216% | 2,520 |
| Total domestic deposits to total assets | 75.5831% | 6,639 |
| Equity capital to assets | 11.6459% | 2,430 |
| Core capital (leverage) ratio | 12.7638% | 1,519 |
| Tier 1 risk-based capital ratio | 23.3329% | 1,103 |
| Total risk-based capital ratio | 24.0863% | 1,122 |
| Memoranda: | ||
| Average total assets | $245,847,000 | 2,684 |
| Average earning assets | $219,507,670 | 2,747 |
| Average equity | $28,722,330 | 2,355 |
| Average total loans | $202,309,670 | 2,323 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1095% | 1,913 |
| Cost of funding earning assets | 2.1413% | 3,459 |
| Net interest margin | 3.9682% | 2,782 |
| Noninterest income to average assets | 0.6211% | 3,405 |
| Noninterest expense to average assets | 3.4423% | 2,253 |
| Loan and lease loss provision to assets | 0.1667% | 4,796 |
| Net operating income to assets | 0.3825% | 4,934 |
| Return on assets (ROA) | 0.3825% | 5,116 |
| Pretax return on assets | 0.6015% | 4,744 |
| Return on Equity (ROE) | 3.2685% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.2685% | 4,057 |
| Net charge-offs to loans | 0.0947% | 4,227 |
| Credit loss provision to net charge-offs | 212.5000% | 2,121 |
| Earnings coverage of net charge-offs (x) | 9.7917% | 2,022 |
| Efficiency ratio | 81.7547% | 2,568 |
| Assets per employee ($millions) | 2.8427% | 6,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4628% | 7,873 |
| Loan loss allowance to noncurrent loans | 54.0509% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 0.7294% | 5,335 |
| Noncurrent loans to loans | 0.8563% | 5,308 |
| Net loans and leases to total assets | 81.2178% | 1,150 |
| Net loans and leases to deposits | 107.8899% | 732 |
| Net loans and leases to core deposits | 119.3822% | 2,470 |
| Total domestic deposits to total assets | 75.2784% | 6,651 |
| Equity capital to assets | 11.6265% | 2,499 |
| Core capital (leverage) ratio | 12.9975% | 1,483 |
| Tier 1 risk-based capital ratio | 23.0374% | 1,192 |
| Total risk-based capital ratio | 23.7178% | 1,220 |
| Memoranda: | ||
| Average total assets | $244,723,000 | 2,714 |
| Average earning assets | $221,360,000 | 2,745 |
| Average equity | $28,637,000 | 2,376 |
| Average total loans | $202,833,500 | 2,334 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2603% | 4,181 |
| Cost of funding earning assets | 2.5107% | 4,153 |
| Net interest margin | 3.7497% | 4,227 |
| Noninterest income to average assets | 0.6628% | 3,386 |
| Noninterest expense to average assets | 3.3469% | 2,825 |
| Loan and lease loss provision to assets | 0.1848% | 5,043 |
| Net operating income to assets | 0.4682% | 4,875 |
| Return on assets (ROA) | 0.2213% | 5,612 |
| Pretax return on assets | 0.2727% | 5,571 |
| Return on Equity (ROE) | 1.8046% | 5,669 |
| Retained earnings to average equity (ytd only) | 1.8046% | 4,113 |
| Net charge-offs to loans | 0.1244% | 4,994 |
| Credit loss provision to net charge-offs | 177.8656% | 2,841 |
| Earnings coverage of net charge-offs (x) | 7.3360% | 3,140 |
| Efficiency ratio | 81.4511% | 2,382 |
| Assets per employee ($millions) | 2.7831% | 6,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4316% | 7,943 |
| Loan loss allowance to noncurrent loans | 69.4554% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5394% | 5,556 |
| Noncurrent loans to loans | 0.6215% | 5,504 |
| Net loans and leases to total assets | 83.8344% | 912 |
| Net loans and leases to deposits | 112.1547% | 698 |
| Net loans and leases to core deposits | 123.6869% | 2,343 |
| Total domestic deposits to total assets | 74.7489% | 6,507 |
| Equity capital to assets | 11.7787% | 2,448 |
| Core capital (leverage) ratio | 12.8378% | 1,602 |
| Tier 1 risk-based capital ratio | 23.1437% | 1,175 |
| Total risk-based capital ratio | 23.7926% | 1,223 |
| Memoranda: | ||
| Average total assets | $243,507,200 | 2,622 |
| Average earning assets | $223,805,800 | 2,616 |
| Average equity | $29,867,400 | 2,269 |
| Average total loans | $203,364,200 | 2,266 |