Home > The Peoples Bank, Biloxi, Mississippi > Performance and Condition Ratios
The Peoples Bank, Biloxi, Mississippi, 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 | 3.9230% | 4,304 |
| Cost of funding earning assets | 0.9823% | 4,015 |
| Net interest margin | 2.9407% | 3,499 |
| Noninterest income to average assets | 0.8000% | 814 |
| Noninterest expense to average assets | 2.6419% | 1,918 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.6569% | 3,211 |
| Return on assets (ROA) | 0.6569% | 3,228 |
| Pretax return on assets | 0.8336% | 3,119 |
| Return on Equity (ROE) | 6.1000% | 3,327 |
| Retained earnings to average equity (ytd only) | 6.1002% | 2,246 |
| Net charge-offs to loans | 0.0224% | 1,546 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 135.6923% | 569 |
| Efficiency ratio | 75.8480% | 1,262 |
| Assets per employee ($millions) | 6.3691% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 1,782 |
| Loan loss allowance to noncurrent loans | 591.4343% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 3,270 |
| Noncurrent loans to loans | 0.2167% | 2,723 |
| Net loans and leases to total assets | 26.4000% | 4,238 |
| Net loans and leases to deposits | 30.4007% | 4,253 |
| Net loans and leases to core deposits | 31.1019% | 4,256 |
| Total domestic deposits to total assets | 86.8400% | 1,988 |
| Equity capital to assets | 10.8145% | 1,757 |
| Core capital (leverage) ratio | 13.3229% | 972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $848,798,500 | 1,181 |
| Average earning assets | $770,834,500 | 1,200 |
| Average equity | $91,406,500 | 1,119 |
| Average total loans | $232,610,500 | 2,201 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2816% | 4,092 |
| Cost of funding earning assets | 1.2476% | 3,756 |
| Net interest margin | 3.0340% | 3,087 |
| Noninterest income to average assets | 0.8300% | 865 |
| Noninterest expense to average assets | 2.5849% | 2,066 |
| Loan and lease loss provision to assets | -0.0200% | 4,147 |
| Net operating income to assets | 2.6206% | 197 |
| Return on assets (ROA) | 2.6206% | 199 |
| Pretax return on assets | 1.0425% | 2,409 |
| Return on Equity (ROE) | 27.9700% | 131 |
| Retained earnings to average equity (ytd only) | 23.7375% | 33 |
| Net charge-offs to loans | 0.0177% | 2,278 |
| Credit loss provision to net charge-offs | -476.1905% | 4,427 |
| Earnings coverage of net charge-offs (x) | 205.6905% | 499 |
| Efficiency ratio | 71.4365% | 1,833 |
| Assets per employee ($millions) | 6.2044% | 2,721 |
| Cash dividends to net income (ytd only)* | 15.1419% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 1,782 |
| Loan loss allowance to noncurrent loans | 713.3971% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 3,312 |
| Noncurrent loans to loans | 0.1790% | 2,791 |
| Net loans and leases to total assets | 27.7400% | 4,252 |
| Net loans and leases to deposits | 31.9831% | 4,266 |
| Net loans and leases to core deposits | 32.9220% | 4,259 |
| Total domestic deposits to total assets | 86.7200% | 1,965 |
| Equity capital to assets | 10.7215% | 1,713 |
| Core capital (leverage) ratio | 13.9452% | 795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $844,234,400 | 1,174 |
| Average earning assets | $772,935,600 | 1,177 |
| Average equity | $79,090,000 | 1,212 |
| Average total loans | $237,237,800 | 2,145 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3617% | 4,004 |
| Cost of funding earning assets | 1.2987% | 3,667 |
| Net interest margin | 3.0630% | 2,971 |
| Noninterest income to average assets | 0.8300% | 829 |
| Noninterest expense to average assets | 2.5683% | 2,035 |
| Loan and lease loss provision to assets | -0.0100% | 4,132 |
| Net operating income to assets | 3.2324% | 125 |
| Return on assets (ROA) | 3.2324% | 127 |
| Pretax return on assets | 1.0777% | 2,314 |
| Return on Equity (ROE) | 35.7700% | 65 |
| Retained earnings to average equity (ytd only) | 32.5499% | 25 |
| Net charge-offs to loans | 0.0185% | 2,006 |
| Credit loss provision to net charge-offs | -303.0303% | 4,440 |
| Earnings coverage of net charge-offs (x) | 206.1212% | 513 |
| Efficiency ratio | 70.3840% | 1,974 |
| Assets per employee ($millions) | 5.9838% | 2,881 |
| Cash dividends to net income (ytd only)* | 9.0046% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 1,751 |
| Loan loss allowance to noncurrent loans | 723.8876% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 3,360 |
| Noncurrent loans to loans | 0.1785% | 2,837 |
| Net loans and leases to total assets | 29.0200% | 4,267 |
| Net loans and leases to deposits | 35.4083% | 4,265 |
| Net loans and leases to core deposits | 36.2186% | 4,273 |
| Total domestic deposits to total assets | 81.9600% | 3,118 |
| Equity capital to assets | 11.6721% | 1,403 |
| Core capital (leverage) ratio | 13.4759% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $847,444,000 | 1,160 |
| Average earning assets | $778,090,750 | 1,172 |
| Average equity | $76,578,000 | 1,237 |
| Average total loans | $238,153,250 | 2,133 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 3,854 |
| Cost of funding earning assets | 1.2687% | 3,674 |
| Net interest margin | 3.1782% | 2,669 |
| Noninterest income to average assets | 0.8200% | 829 |
| Noninterest expense to average assets | 2.4743% | 2,312 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.1823% | 1,517 |
| Return on assets (ROA) | 1.1823% | 1,518 |
| Pretax return on assets | 1.2759% | 1,759 |
| Return on Equity (ROE) | 14.4100% | 1,086 |
| Retained earnings to average equity (ytd only) | 9.1594% | 1,062 |
| Net charge-offs to loans | 0.0118% | 1,983 |
| Credit loss provision to net charge-offs | -428.5714% | 4,489 |
| Earnings coverage of net charge-offs (x) | 391.2857% | 308 |
| Efficiency ratio | 65.7847% | 2,564 |
| Assets per employee ($millions) | 6.2234% | 2,614 |
| Cash dividends to net income (ytd only)* | 36.4460% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 1,656 |
| Loan loss allowance to noncurrent loans | 692.3077% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 3,297 |
| Noncurrent loans to loans | 0.1906% | 2,734 |
| Net loans and leases to total assets | 27.8400% | 4,296 |
| Net loans and leases to deposits | 34.8588% | 4,278 |
| Net loans and leases to core deposits | 35.1665% | 4,287 |
| Total domestic deposits to total assets | 79.8500% | 3,472 |
| Equity capital to assets | 8.5961% | 3,034 |
| Core capital (leverage) ratio | 11.8358% | 1,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $858,660,000 | 1,150 |
| Average earning assets | $792,639,667 | 1,150 |
| Average equity | $70,441,667 | 1,305 |
| Average total loans | $237,784,667 | 2,126 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4744% | 3,714 |
| Cost of funding earning assets | 1.1195% | 3,848 |
| Net interest margin | 3.3549% | 2,221 |
| Noninterest income to average assets | 0.8100% | 802 |
| Noninterest expense to average assets | 2.4288% | 2,435 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.1864% | 1,476 |
| Return on assets (ROA) | 1.1864% | 1,479 |
| Pretax return on assets | 1.4783% | 1,288 |
| Return on Equity (ROE) | 14.8100% | 1,018 |
| Retained earnings to average equity (ytd only) | 14.8085% | 443 |
| Net charge-offs to loans | 0.1298% | 624 |
| Credit loss provision to net charge-offs | -77.9221% | 4,470 |
| Earnings coverage of net charge-offs (x) | 41.5065% | 1,036 |
| Efficiency ratio | 61.9747% | 3,034 |
| Assets per employee ($millions) | 6.8046% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 1,723 |
| Loan loss allowance to noncurrent loans | 827.6139% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 3,429 |
| Noncurrent loans to loans | 0.1579% | 2,829 |
| Net loans and leases to total assets | 25.0100% | 4,351 |
| Net loans and leases to deposits | 28.7320% | 4,355 |
| Net loans and leases to core deposits | 28.9593% | 4,396 |
| Total domestic deposits to total assets | 87.0600% | 1,752 |
| Equity capital to assets | 7.5142% | 3,668 |
| Core capital (leverage) ratio | 11.4850% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $864,798,000 | 1,141 |
| Average earning assets | $799,298,500 | 1,139 |
| Average equity | $69,284,500 | 1,315 |
| Average total loans | $237,306,500 | 2,128 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 3,858 |
| Cost of funding earning assets | 0.7656% | 3,822 |
| Net interest margin | 3.3025% | 2,628 |
| Noninterest income to average assets | 0.7900% | 968 |
| Noninterest expense to average assets | 2.5204% | 2,239 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 1.1120% | 1,885 |
| Return on assets (ROA) | 1.1120% | 1,860 |
| Pretax return on assets | 1.3558% | 1,729 |
| Return on Equity (ROE) | 15.7400% | 1,149 |
| Retained earnings to average equity (ytd only) | 10.4246% | 920 |
| Net charge-offs to loans | -0.0595% | 4,401 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.3649% | 2,434 |
| Assets per employee ($millions) | 5.8202% | 2,966 |
| Cash dividends to net income (ytd only)* | 33.7883% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 1,573 |
| Loan loss allowance to noncurrent loans | 1,513.6150% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 3,509 |
| Noncurrent loans to loans | 0.0894% | 3,096 |
| Net loans and leases to total assets | 29.4900% | 4,303 |
| Net loans and leases to deposits | 34.1377% | 4,302 |
| Net loans and leases to core deposits | 34.5144% | 4,357 |
| Total domestic deposits to total assets | 86.3800% | 1,896 |
| Equity capital to assets | 8.5932% | 2,981 |
| Core capital (leverage) ratio | 12.5902% | 1,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $869,794,400 | 1,110 |
| Average earning assets | $804,081,800 | 1,102 |
| Average equity | $61,431,600 | 1,370 |
| Average total loans | $235,375,600 | 2,080 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0545% | 3,749 |
| Cost of funding earning assets | 0.7014% | 3,760 |
| Net interest margin | 3.3530% | 2,566 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 2.5068% | 2,218 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 1.1819% | 1,838 |
| Return on assets (ROA) | 1.1819% | 1,825 |
| Pretax return on assets | 1.4201% | 1,732 |
| Return on Equity (ROE) | 17.5900% | 998 |
| Retained earnings to average equity (ytd only) | 14.5332% | 610 |
| Net charge-offs to loans | -0.0869% | 4,477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.3337% | 2,457 |
| Assets per employee ($millions) | 5.8698% | 2,864 |
| Cash dividends to net income (ytd only)* | 17.3803% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 1,474 |
| Loan loss allowance to noncurrent loans | 1,702.6596% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 2,628 |
| Noncurrent loans to loans | 0.0819% | 3,177 |
| Net loans and leases to total assets | 27.9600% | 4,351 |
| Net loans and leases to deposits | 30.9941% | 4,367 |
| Net loans and leases to core deposits | 31.3131% | 4,369 |
| Total domestic deposits to total assets | 90.2100% | 885 |
| Equity capital to assets | 7.1751% | 3,525 |
| Core capital (leverage) ratio | 11.9916% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $887,902,250 | 1,099 |
| Average earning assets | $822,117,500 | 1,093 |
| Average equity | $59,659,750 | 1,389 |
| Average total loans | $234,634,750 | 2,082 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0398% | 3,606 |
| Cost of funding earning assets | 0.6681% | 3,576 |
| Net interest margin | 3.3716% | 2,592 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 2.3975% | 2,495 |
| Loan and lease loss provision to assets | -0.0600% | 4,518 |
| Net operating income to assets | 1.2805% | 1,620 |
| Return on assets (ROA) | 1.2805% | 1,607 |
| Pretax return on assets | 1.5558% | 1,488 |
| Return on Equity (ROE) | 19.4500% | 774 |
| Retained earnings to average equity (ytd only) | 16.5622% | 422 |
| Net charge-offs to loans | -0.1490% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.4848% | 2,778 |
| Assets per employee ($millions) | 6.6320% | 2,186 |
| Cash dividends to net income (ytd only)* | 14.8351% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 1,623 |
| Loan loss allowance to noncurrent loans | 3,705.7471% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 2,721 |
| Noncurrent loans to loans | 0.0371% | 3,470 |
| Net loans and leases to total assets | 25.8100% | 4,396 |
| Net loans and leases to deposits | 28.5022% | 4,414 |
| Net loans and leases to core deposits | 28.7732% | 4,417 |
| Total domestic deposits to total assets | 90.5400% | 768 |
| Equity capital to assets | 7.1320% | 3,721 |
| Core capital (leverage) ratio | 10.6857% | 2,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6900% | 263 |
| Memoranda: | ||
| Average total assets | $913,860,333 | 1,067 |
| Average earning assets | $848,614,000 | 1,055 |
| Average equity | $60,173,000 | 1,385 |
| Average total loans | $236,285,667 | 2,073 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9452% | 3,570 |
| Cost of funding earning assets | 0.6463% | 3,235 |
| Net interest margin | 3.2988% | 2,877 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 2.3992% | 2,533 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.2016% | 1,928 |
| Return on assets (ROA) | 1.2016% | 1,886 |
| Pretax return on assets | 1.3953% | 1,892 |
| Return on Equity (ROE) | 19.0200% | 885 |
| Retained earnings to average equity (ytd only) | 18.3294% | 488 |
| Net charge-offs to loans | 0.1433% | 475 |
| Credit loss provision to net charge-offs | 35.2941% | 1,332 |
| Earnings coverage of net charge-offs (x) | 38.2353% | 1,205 |
| Efficiency ratio | 62.8315% | 2,591 |
| Assets per employee ($millions) | 7.1374% | 1,865 |
| Cash dividends to net income (ytd only)* | 3.6062% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 1,684 |
| Loan loss allowance to noncurrent loans | 244.8018% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 2,376 |
| Noncurrent loans to loans | 0.5649% | 1,314 |
| Net loans and leases to total assets | 23.7000% | 4,483 |
| Net loans and leases to deposits | 25.8627% | 4,499 |
| Net loans and leases to core deposits | 26.0867% | 4,495 |
| Total domestic deposits to total assets | 91.6300% | 616 |
| Equity capital to assets | 6.3103% | 4,103 |
| Core capital (leverage) ratio | 10.0135% | 2,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2629% | 555 |
| Memoranda: | ||
| Average total assets | $923,130,500 | 1,069 |
| Average earning assets | $858,364,000 | 1,058 |
| Average equity | $58,332,500 | 1,424 |
| Average total loans | $237,288,500 | 2,084 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9355% | 4,203 |
| Cost of funding earning assets | 0.2658% | 3,202 |
| Net interest margin | 2.6697% | 4,092 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.4344% | 2,321 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0665% | 2,315 |
| Return on assets (ROA) | 1.0665% | 2,260 |
| Pretax return on assets | 0.7879% | 3,656 |
| Return on Equity (ROE) | 14.7300% | 1,329 |
| Retained earnings to average equity (ytd only) | 12.7657% | 544 |
| Net charge-offs to loans | 0.0223% | 1,618 |
| Credit loss provision to net charge-offs | 150.9434% | 1,294 |
| Earnings coverage of net charge-offs (x) | 131.2075% | 849 |
| Efficiency ratio | 75.3343% | 1,084 |
| Assets per employee ($millions) | 6.3331% | 2,484 |
| Cash dividends to net income (ytd only)* | 13.3584% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 1,493 |
| Loan loss allowance to noncurrent loans | 231.6447% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 2,186 |
| Noncurrent loans to loans | 0.6058% | 1,234 |
| Net loans and leases to total assets | 27.2300% | 4,455 |
| Net loans and leases to deposits | 29.8408% | 4,477 |
| Net loans and leases to core deposits | 30.1777% | 4,483 |
| Total domestic deposits to total assets | 91.2500% | 859 |
| Equity capital to assets | 6.3289% | 3,967 |
| Core capital (leverage) ratio | 10.7778% | 1,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1763% | 613 |
| Memoranda: | ||
| Average total assets | $872,462,000 | 1,111 |
| Average earning assets | $812,399,200 | 1,094 |
| Average equity | $63,153,800 | 1,344 |
| Average total loans | $237,251,400 | 2,013 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7685% | 4,225 |
| Cost of funding earning assets | 0.2002% | 3,271 |
| Net interest margin | 2.5684% | 4,138 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.4917% | 2,035 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.6049% | 3,825 |
| Return on assets (ROA) | 0.6049% | 3,781 |
| Pretax return on assets | 0.6049% | 3,980 |
| Return on Equity (ROE) | 8.1100% | 3,294 |
| Retained earnings to average equity (ytd only) | 6.9324% | 2,384 |
| Net charge-offs to loans | 0.0163% | 1,529 |
| Credit loss provision to net charge-offs | 275.8621% | 854 |
| Earnings coverage of net charge-offs (x) | 139.6897% | 775 |
| Efficiency ratio | 80.1499% | 767 |
| Assets per employee ($millions) | 6.5316% | 2,295 |
| Cash dividends to net income (ytd only)* | 14.4800% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 1,479 |
| Loan loss allowance to noncurrent loans | 664.4269% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 2,990 |
| Noncurrent loans to loans | 0.2168% | 2,531 |
| Net loans and leases to total assets | 26.0900% | 4,507 |
| Net loans and leases to deposits | 28.4480% | 4,524 |
| Net loans and leases to core deposits | 28.7595% | 4,524 |
| Total domestic deposits to total assets | 91.7000% | 973 |
| Equity capital to assets | 5.3415% | 4,178 |
| Core capital (leverage) ratio | 9.6659% | 2,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3055% | 704 |
| Memoranda: | ||
| Average total assets | $875,252,000 | 1,110 |
| Average earning assets | $816,629,250 | 1,097 |
| Average equity | $65,314,500 | 1,326 |
| Average total loans | $237,094,500 | 2,014 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5675% | 4,308 |
| Cost of funding earning assets | 0.1043% | 4,148 |
| Net interest margin | 2.4632% | 4,144 |
| Noninterest income to average assets | 0.6991% | 1,340 |
| Noninterest expense to average assets | 2.4832% | 1,982 |
| Loan and lease loss provision to assets | 0.0121% | 2,378 |
| Net operating income to assets | 0.5026% | 3,886 |
| Return on assets (ROA) | 0.5028% | 3,838 |
| Pretax return on assets | 0.5028% | 3,994 |
| Return on Equity (ROE) | 6.1496% | 3,539 |
| Retained earnings to average equity (ytd only) | 4.5387% | 2,865 |
| Net charge-offs to loans | -0.0126% | 3,678 |
| Credit loss provision to net charge-offs | -353.3333% | 3,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8303% | 748 |
| Assets per employee ($millions) | 6.3991% | 2,389 |
| Cash dividends to net income (ytd only)* | 26.1959% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 1,595 |
| Loan loss allowance to noncurrent loans | 601.2456% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 2,912 |
| Noncurrent loans to loans | 0.2394% | 2,523 |
| Net loans and leases to total assets | 26.7807% | 4,544 |
| Net loans and leases to deposits | 29.6777% | 4,552 |
| Net loans and leases to core deposits | 31.3842% | 4,545 |
| Total domestic deposits to total assets | 90.2386% | 1,618 |
| Equity capital to assets | 6.4091% | 4,053 |
| Core capital (leverage) ratio | 9.9172% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5318% | 654 |
| Memoranda: | ||
| Average total assets | $873,082,000 | 1,107 |
| Average earning assets | $814,788,667 | 1,102 |
| Average equity | $71,386,333 | 1,275 |
| Average total loans | $238,330,333 | 2,009 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4241% | 4,350 |
| Cost of funding earning assets | 0.0776% | 4,379 |
| Net interest margin | 2.3465% | 4,159 |
| Noninterest income to average assets | 0.7055% | 1,301 |
| Noninterest expense to average assets | 2.4255% | 2,088 |
| Loan and lease loss provision to assets | 0.0114% | 2,132 |
| Net operating income to assets | 0.4603% | 3,815 |
| Return on assets (ROA) | 0.4603% | 3,777 |
| Pretax return on assets | 0.4603% | 3,935 |
| Return on Equity (ROE) | 5.0884% | 3,598 |
| Retained earnings to average equity (ytd only) | 2.1915% | 3,494 |
| Net charge-offs to loans | -0.0533% | 4,277 |
| Credit loss provision to net charge-offs | -78.1250% | 2,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7187% | 869 |
| Assets per employee ($millions) | 7.1135% | 1,915 |
| Cash dividends to net income (ytd only)* | 56.9307% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 1,914 |
| Loan loss allowance to noncurrent loans | 548.5342% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 2,581 |
| Noncurrent loans to loans | 0.2547% | 2,570 |
| Net loans and leases to total assets | 25.3178% | 4,584 |
| Net loans and leases to deposits | 28.0623% | 4,597 |
| Net loans and leases to core deposits | 30.3657% | 4,573 |
| Total domestic deposits to total assets | 90.2198% | 1,434 |
| Equity capital to assets | 7.4492% | 3,964 |
| Core capital (leverage) ratio | 10.5041% | 1,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1268% | 631 |
| Memoranda: | ||
| Average total assets | $877,685,500 | 1,103 |
| Average earning assets | $819,759,500 | 1,096 |
| Average equity | $79,396,000 | 1,208 |
| Average total loans | $240,130,000 | 1,994 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8904% | 4,070 |
| Cost of funding earning assets | 0.1179% | 4,245 |
| Net interest margin | 2.7724% | 3,727 |
| Noninterest income to average assets | 0.8168% | 1,409 |
| Noninterest expense to average assets | 2.9029% | 1,146 |
| Loan and lease loss provision to assets | -0.7413% | 4,821 |
| Net operating income to assets | 1.2013% | 1,919 |
| Return on assets (ROA) | 1.1983% | 1,980 |
| Pretax return on assets | 1.2064% | 2,644 |
| Return on Equity (ROE) | 10.1077% | 2,485 |
| Retained earnings to average equity (ytd only) | 5.0174% | 2,777 |
| Net charge-offs to loans | -1.7348% | 4,799 |
| Credit loss provision to net charge-offs | 124.5163% | 1,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1137% | 469 |
| Assets per employee ($millions) | 6.1382% | 2,621 |
| Cash dividends to net income (ytd only)* | 50.3605% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 1,977 |
| Loan loss allowance to noncurrent loans | 472.3252% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3175% | 1,964 |
| Noncurrent loans to loans | 0.2931% | 2,538 |
| Net loans and leases to total assets | 28.8896% | 4,544 |
| Net loans and leases to deposits | 33.4538% | 4,541 |
| Net loans and leases to core deposits | 35.6598% | 4,523 |
| Total domestic deposits to total assets | 86.3568% | 2,776 |
| Equity capital to assets | 10.8827% | 1,873 |
| Core capital (leverage) ratio | 11.1264% | 1,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9692% | 652 |
| Memoranda: | ||
| Average total assets | $763,916,200 | 1,204 |
| Average earning assets | $703,785,600 | 1,214 |
| Average equity | $90,564,800 | 1,094 |
| Average total loans | $262,167,000 | 1,870 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8954% | 4,179 |
| Cost of funding earning assets | 0.1330% | 4,246 |
| Net interest margin | 2.7624% | 3,859 |
| Noninterest income to average assets | 0.7746% | 1,601 |
| Noninterest expense to average assets | 2.9729% | 1,017 |
| Loan and lease loss provision to assets | -0.8887% | 4,904 |
| Net operating income to assets | 1.1926% | 2,193 |
| Return on assets (ROA) | 1.1973% | 2,234 |
| Pretax return on assets | 1.2335% | 2,825 |
| Return on Equity (ROE) | 9.8787% | 2,781 |
| Retained earnings to average equity (ytd only) | 3.7100% | 3,675 |
| Net charge-offs to loans | -2.2638% | 4,872 |
| Credit loss provision to net charge-offs | 110.0022% | 1,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7352% | 330 |
| Assets per employee ($millions) | 5.8776% | 2,808 |
| Cash dividends to net income (ytd only)* | 62.4444% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 1,386 |
| Loan loss allowance to noncurrent loans | 168.1914% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 1,288 |
| Noncurrent loans to loans | 0.9405% | 1,221 |
| Net loans and leases to total assets | 30.0262% | 4,588 |
| Net loans and leases to deposits | 34.8248% | 4,606 |
| Net loans and leases to core deposits | 37.1881% | 4,590 |
| Total domestic deposits to total assets | 86.2207% | 2,655 |
| Equity capital to assets | 10.9865% | 2,027 |
| Core capital (leverage) ratio | 10.8563% | 1,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2459% | 775 |
| Memoranda: | ||
| Average total assets | $750,798,750 | 1,234 |
| Average earning assets | $689,906,250 | 1,253 |
| Average equity | $90,994,750 | 1,105 |
| Average total loans | $267,918,250 | 1,877 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9381% | 4,162 |
| Cost of funding earning assets | 0.1601% | 4,122 |
| Net interest margin | 2.7780% | 3,836 |
| Noninterest income to average assets | 0.7947% | 1,552 |
| Noninterest expense to average assets | 3.1424% | 790 |
| Loan and lease loss provision to assets | -1.3294% | 4,946 |
| Net operating income to assets | 1.5273% | 1,224 |
| Return on assets (ROA) | 1.5287% | 1,285 |
| Pretax return on assets | 1.5287% | 1,927 |
| Return on Equity (ROE) | 12.1831% | 1,986 |
| Retained earnings to average equity (ytd only) | 2.9498% | 3,855 |
| Net charge-offs to loans | -3.3143% | 4,910 |
| Credit loss provision to net charge-offs | 106.5740% | 1,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0765% | 253 |
| Assets per employee ($millions) | 5.5451% | 3,074 |
| Cash dividends to net income (ytd only)* | 75.7876% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 1,495 |
| Loan loss allowance to noncurrent loans | 168.1466% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 1,254 |
| Noncurrent loans to loans | 0.9095% | 1,361 |
| Net loans and leases to total assets | 34.7357% | 4,510 |
| Net loans and leases to deposits | 40.7398% | 4,500 |
| Net loans and leases to core deposits | 43.6780% | 4,465 |
| Total domestic deposits to total assets | 85.2623% | 2,998 |
| Equity capital to assets | 11.7657% | 1,477 |
| Core capital (leverage) ratio | 11.4345% | 1,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6510% | 638 |
| Memoranda: | ||
| Average total assets | $726,776,333 | 1,253 |
| Average earning assets | $665,937,000 | 1,278 |
| Average equity | $91,191,667 | 1,097 |
| Average total loans | $273,542,333 | 1,865 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9533% | 4,179 |
| Cost of funding earning assets | 0.1643% | 4,207 |
| Net interest margin | 2.7890% | 3,788 |
| Noninterest income to average assets | 0.7960% | 1,590 |
| Noninterest expense to average assets | 3.5599% | 429 |
| Loan and lease loss provision to assets | -2.7435% | 4,975 |
| Net operating income to assets | 2.5321% | 252 |
| Return on assets (ROA) | 2.5321% | 273 |
| Pretax return on assets | 2.5321% | 411 |
| Return on Equity (ROE) | 19.5226% | 567 |
| Retained earnings to average equity (ytd only) | 16.4715% | 470 |
| Net charge-offs to loans | -6.5358% | 4,939 |
| Credit loss provision to net charge-offs | 107.8684% | 1,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3144% | 134 |
| Assets per employee ($millions) | 5.3935% | 3,229 |
| Cash dividends to net income (ytd only)* | 15.6285% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 1,624 |
| Loan loss allowance to noncurrent loans | 138.4563% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 1,092 |
| Noncurrent loans to loans | 1.0802% | 1,239 |
| Net loans and leases to total assets | 35.7746% | 4,514 |
| Net loans and leases to deposits | 42.2737% | 4,488 |
| Net loans and leases to core deposits | 43.9574% | 4,498 |
| Total domestic deposits to total assets | 84.6261% | 3,246 |
| Equity capital to assets | 12.2097% | 1,197 |
| Core capital (leverage) ratio | 11.7991% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4425% | 559 |
| Memoranda: | ||
| Average total assets | $707,553,500 | 1,276 |
| Average earning assets | $647,547,500 | 1,296 |
| Average equity | $91,770,500 | 1,085 |
| Average total loans | $275,347,000 | 1,856 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3030% | 4,327 |
| Cost of funding earning assets | 0.2707% | 4,292 |
| Net interest margin | 3.0323% | 3,816 |
| Noninterest income to average assets | 0.8690% | 1,354 |
| Noninterest expense to average assets | 3.1698% | 1,111 |
| Loan and lease loss provision to assets | 0.9259% | 120 |
| Net operating income to assets | -0.4935% | 4,878 |
| Return on assets (ROA) | -0.4069% | 4,876 |
| Pretax return on assets | -0.4069% | 4,865 |
| Return on Equity (ROE) | -2.8159% | 4,861 |
| Retained earnings to average equity (ytd only) | -3.0828% | 4,766 |
| Net charge-offs to loans | 2.0722% | 44 |
| Credit loss provision to net charge-offs | 103.7870% | 2,779 |
| Earnings coverage of net charge-offs (x) | 0.4847% | 3,322 |
| Efficiency ratio | 87.9962% | 449 |
| Assets per employee ($millions) | 4.7871% | 3,619 |
| Cash dividends to net income (ytd only)* | -9.4769% | 4,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 1,324 |
| Loan loss allowance to noncurrent loans | 146.1691% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.9773% | 986 |
| Noncurrent loans to loans | 1.0876% | 1,301 |
| Net loans and leases to total assets | 41.1769% | 4,393 |
| Net loans and leases to deposits | 49.7638% | 4,325 |
| Net loans and leases to core deposits | 51.6945% | 4,354 |
| Total domestic deposits to total assets | 82.7446% | 3,480 |
| Equity capital to assets | 13.8268% | 841 |
| Core capital (leverage) ratio | 12.5267% | 1,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8666% | 513 |
| Memoranda: | ||
| Average total assets | $648,239,800 | 1,255 |
| Average earning assets | $584,318,000 | 1,289 |
| Average equity | $93,681,600 | 1,023 |
| Average total loans | $279,080,600 | 1,776 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3426% | 4,421 |
| Cost of funding earning assets | 0.3024% | 4,309 |
| Net interest margin | 3.0402% | 3,885 |
| Noninterest income to average assets | 0.8644% | 1,319 |
| Noninterest expense to average assets | 3.1602% | 1,142 |
| Loan and lease loss provision to assets | 1.2315% | 85 |
| Net operating income to assets | -0.7942% | 4,927 |
| Return on assets (ROA) | -0.6826% | 4,920 |
| Pretax return on assets | -0.6826% | 4,911 |
| Return on Equity (ROE) | -4.6715% | 4,910 |
| Retained earnings to average equity (ytd only) | -5.0257% | 4,845 |
| Net charge-offs to loans | 2.7473% | 36 |
| Credit loss provision to net charge-offs | 103.3716% | 2,598 |
| Earnings coverage of net charge-offs (x) | 0.3670% | 3,131 |
| Efficiency ratio | 87.8446% | 422 |
| Assets per employee ($millions) | 4.9379% | 3,331 |
| Cash dividends to net income (ytd only)* | -7.5827% | 4,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 1,281 |
| Loan loss allowance to noncurrent loans | 111.2516% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.2640% | 763 |
| Noncurrent loans to loans | 1.3801% | 1,055 |
| Net loans and leases to total assets | 41.1097% | 4,528 |
| Net loans and leases to deposits | 49.3436% | 4,510 |
| Net loans and leases to core deposits | 51.3919% | 4,542 |
| Total domestic deposits to total assets | 83.3132% | 3,053 |
| Equity capital to assets | 13.3976% | 1,031 |
| Core capital (leverage) ratio | 12.4300% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4501% | 547 |
| Memoranda: | ||
| Average total assets | $643,947,250 | 1,250 |
| Average earning assets | $578,892,250 | 1,279 |
| Average equity | $94,100,750 | 1,001 |
| Average total loans | $279,245,500 | 1,768 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4832% | 4,431 |
| Cost of funding earning assets | 0.3516% | 4,263 |
| Net interest margin | 3.1316% | 3,830 |
| Noninterest income to average assets | 0.9914% | 1,005 |
| Noninterest expense to average assets | 3.2207% | 1,123 |
| Loan and lease loss provision to assets | 0.4436% | 871 |
| Net operating income to assets | 0.1359% | 4,645 |
| Return on assets (ROA) | 0.2991% | 4,464 |
| Pretax return on assets | 0.2991% | 4,539 |
| Return on Equity (ROE) | 1.9870% | 4,536 |
| Retained earnings to average equity (ytd only) | 1.4597% | 3,949 |
| Net charge-offs to loans | 0.1987% | 770 |
| Credit loss provision to net charge-offs | 508.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 6.6364% | 2,424 |
| Efficiency ratio | 84.7497% | 598 |
| Assets per employee ($millions) | 4.5724% | 3,692 |
| Cash dividends to net income (ytd only)* | 26.5393% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8342% | 607 |
| Loan loss allowance to noncurrent loans | 62.9682% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 2.2273% | 292 |
| Noncurrent loans to loans | 2.9129% | 346 |
| Net loans and leases to total assets | 43.6201% | 4,471 |
| Net loans and leases to deposits | 53.2076% | 4,408 |
| Net loans and leases to core deposits | 56.0779% | 4,430 |
| Total domestic deposits to total assets | 81.9811% | 3,374 |
| Equity capital to assets | 14.7218% | 681 |
| Core capital (leverage) ratio | 13.6345% | 842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7999% | 463 |
| Memoranda: | ||
| Average total assets | $629,804,667 | 1,251 |
| Average earning assets | $564,885,000 | 1,285 |
| Average equity | $94,815,000 | 985 |
| Average total loans | $276,805,000 | 1,758 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6347% | 4,489 |
| Cost of funding earning assets | 0.4436% | 4,181 |
| Net interest margin | 3.1910% | 3,883 |
| Noninterest income to average assets | 1.1033% | 708 |
| Noninterest expense to average assets | 3.4239% | 1,038 |
| Loan and lease loss provision to assets | 0.0414% | 3,257 |
| Net operating income to assets | 0.4837% | 3,935 |
| Return on assets (ROA) | 0.7640% | 3,118 |
| Pretax return on assets | 0.7640% | 3,509 |
| Return on Equity (ROE) | 5.0163% | 3,624 |
| Retained earnings to average equity (ytd only) | 5.0163% | 2,271 |
| Net charge-offs to loans | 0.1185% | 992 |
| Credit loss provision to net charge-offs | 80.0000% | 1,934 |
| Earnings coverage of net charge-offs (x) | 10.1375% | 1,779 |
| Efficiency ratio | 86.7027% | 654 |
| Assets per employee ($millions) | 4.4381% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 1,201 |
| Loan loss allowance to noncurrent loans | 47.2385% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 2.4000% | 298 |
| Noncurrent loans to loans | 3.2747% | 304 |
| Net loans and leases to total assets | 41.4491% | 4,610 |
| Net loans and leases to deposits | 50.7132% | 4,571 |
| Net loans and leases to core deposits | 54.5013% | 4,548 |
| Total domestic deposits to total assets | 81.7324% | 3,485 |
| Equity capital to assets | 15.0144% | 754 |
| Core capital (leverage) ratio | 14.0412% | 906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7480% | 406 |
| Memoranda: | ||
| Average total assets | $617,783,500 | 1,234 |
| Average earning assets | $550,917,000 | 1,264 |
| Average equity | $94,093,500 | 988 |
| Average total loans | $269,938,500 | 1,759 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8213% | 4,533 |
| Cost of funding earning assets | 0.5930% | 3,669 |
| Net interest margin | 3.2283% | 4,131 |
| Noninterest income to average assets | 0.9838% | 1,009 |
| Noninterest expense to average assets | 3.5733% | 872 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2887% | 4,761 |
| Return on assets (ROA) | 0.3159% | 4,760 |
| Pretax return on assets | 0.3159% | 4,806 |
| Return on Equity (ROE) | 2.1855% | 4,776 |
| Retained earnings to average equity (ytd only) | 1.3969% | 4,245 |
| Net charge-offs to loans | 0.4225% | 457 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1.5649% | 3,522 |
| Efficiency ratio | 92.5247% | 277 |
| Assets per employee ($millions) | 3.9208% | 4,011 |
| Cash dividends to net income (ytd only)* | 36.0825% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 1,057 |
| Loan loss allowance to noncurrent loans | 45.4025% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 2.8240% | 202 |
| Noncurrent loans to loans | 3.4453% | 240 |
| Net loans and leases to total assets | 44.7171% | 4,568 |
| Net loans and leases to deposits | 55.5151% | 4,474 |
| Net loans and leases to core deposits | 61.5300% | 4,364 |
| Total domestic deposits to total assets | 80.5494% | 3,867 |
| Equity capital to assets | 15.4661% | 693 |
| Core capital (leverage) ratio | 14.7151% | 738 |
| Tier 1 risk-based capital ratio | 24.3280% | 804 |
| Total risk-based capital ratio | 25.4777% | 791 |
| Memoranda: | ||
| Average total assets | $614,135,800 | 1,205 |
| Average earning assets | $547,537,000 | 1,241 |
| Average equity | $88,768,600 | 990 |
| Average total loans | $268,139,800 | 1,743 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8244% | 4,643 |
| Cost of funding earning assets | 0.6224% | 3,573 |
| Net interest margin | 3.2020% | 4,295 |
| Noninterest income to average assets | 0.9584% | 1,026 |
| Noninterest expense to average assets | 3.6380% | 810 |
| Loan and lease loss provision to assets | 0.0364% | 3,168 |
| Net operating income to assets | 0.1422% | 4,991 |
| Return on assets (ROA) | 0.1599% | 4,991 |
| Pretax return on assets | 0.1599% | 5,006 |
| Return on Equity (ROE) | 1.1248% | 5,001 |
| Retained earnings to average equity (ytd only) | 1.1248% | 4,537 |
| Net charge-offs to loans | 0.5603% | 296 |
| Credit loss provision to net charge-offs | 15.0089% | 2,987 |
| Earnings coverage of net charge-offs (x) | 0.7371% | 3,346 |
| Efficiency ratio | 95.3208% | 211 |
| Assets per employee ($millions) | 4.0447% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 891 |
| Loan loss allowance to noncurrent loans | 46.2683% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 2.7780% | 212 |
| Noncurrent loans to loans | 3.5772% | 215 |
| Net loans and leases to total assets | 42.3611% | 4,745 |
| Net loans and leases to deposits | 51.9179% | 4,709 |
| Net loans and leases to core deposits | 56.3928% | 4,673 |
| Total domestic deposits to total assets | 81.5924% | 3,589 |
| Equity capital to assets | 14.8506% | 885 |
| Core capital (leverage) ratio | 14.2699% | 913 |
| Tier 1 risk-based capital ratio | 23.6241% | 881 |
| Total risk-based capital ratio | 24.7938% | 872 |
| Memoranda: | ||
| Average total assets | $619,660,250 | 1,194 |
| Average earning assets | $553,137,250 | 1,229 |
| Average equity | $88,069,500 | 997 |
| Average total loans | $267,937,500 | 1,750 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 4,599 |
| Cost of funding earning assets | 0.6390% | 3,468 |
| Net interest margin | 3.2342% | 4,279 |
| Noninterest income to average assets | 0.8164% | 1,294 |
| Noninterest expense to average assets | 3.5913% | 856 |
| Loan and lease loss provision to assets | 0.0354% | 3,118 |
| Net operating income to assets | 0.0737% | 5,076 |
| Return on assets (ROA) | 0.0805% | 5,078 |
| Pretax return on assets | 0.0805% | 5,079 |
| Return on Equity (ROE) | 0.5748% | 5,079 |
| Retained earnings to average equity (ytd only) | 0.5748% | 4,545 |
| Net charge-offs to loans | 0.3748% | 444 |
| Credit loss provision to net charge-offs | 21.8254% | 2,640 |
| Earnings coverage of net charge-offs (x) | 0.6726% | 3,081 |
| Efficiency ratio | 97.0509% | 189 |
| Assets per employee ($millions) | 3.9472% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8587% | 613 |
| Loan loss allowance to noncurrent loans | 48.7627% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 3.0909% | 185 |
| Noncurrent loans to loans | 3.8118% | 200 |
| Net loans and leases to total assets | 42.1406% | 4,776 |
| Net loans and leases to deposits | 52.8842% | 4,714 |
| Net loans and leases to core deposits | 57.8563% | 4,650 |
| Total domestic deposits to total assets | 79.6848% | 4,098 |
| Equity capital to assets | 14.4946% | 948 |
| Core capital (leverage) ratio | 14.1003% | 936 |
| Tier 1 risk-based capital ratio | 23.9425% | 850 |
| Total risk-based capital ratio | 25.1936% | 831 |
| Memoranda: | ||
| Average total assets | $621,283,330 | 1,192 |
| Average earning assets | $554,014,000 | 1,227 |
| Average equity | $86,992,670 | 1,002 |
| Average total loans | $268,978,330 | 1,756 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 4,470 |
| Cost of funding earning assets | 0.6322% | 3,396 |
| Net interest margin | 3.3193% | 4,116 |
| Noninterest income to average assets | 0.8925% | 1,056 |
| Noninterest expense to average assets | 3.5244% | 936 |
| Loan and lease loss provision to assets | 0.0347% | 2,929 |
| Net operating income to assets | 0.3041% | 4,895 |
| Return on assets (ROA) | 0.3041% | 4,898 |
| Pretax return on assets | 0.3041% | 4,957 |
| Return on Equity (ROE) | 2.2109% | 4,938 |
| Retained earnings to average equity (ytd only) | 2.2109% | 4,007 |
| Net charge-offs to loans | 0.0266% | 1,922 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 29.2778% | 1,349 |
| Efficiency ratio | 91.2284% | 348 |
| Assets per employee ($millions) | 4.1734% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0098% | 487 |
| Loan loss allowance to noncurrent loans | 87.8719% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 2.3788% | 344 |
| Noncurrent loans to loans | 2.2872% | 607 |
| Net loans and leases to total assets | 41.5938% | 4,844 |
| Net loans and leases to deposits | 50.2521% | 4,809 |
| Net loans and leases to core deposits | 54.7683% | 4,755 |
| Total domestic deposits to total assets | 82.7702% | 3,476 |
| Equity capital to assets | 13.8827% | 1,083 |
| Core capital (leverage) ratio | 13.8546% | 985 |
| Tier 1 risk-based capital ratio | 23.9335% | 849 |
| Total risk-based capital ratio | 25.1858% | 828 |
| Memoranda: | ||
| Average total assets | $622,068,500 | 1,191 |
| Average earning assets | $556,746,000 | 1,229 |
| Average equity | $85,576,500 | 1,009 |
| Average total loans | $270,419,000 | 1,761 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5022% | 4,913 |
| Cost of funding earning assets | 0.4714% | 3,542 |
| Net interest margin | 3.0308% | 4,764 |
| Noninterest income to average assets | 0.8503% | 1,311 |
| Noninterest expense to average assets | 3.3853% | 1,176 |
| Loan and lease loss provision to assets | 0.0193% | 3,778 |
| Net operating income to assets | 0.1559% | 5,140 |
| Return on assets (ROA) | 0.1603% | 5,131 |
| Pretax return on assets | 0.1546% | 5,146 |
| Return on Equity (ROE) | 1.2217% | 5,136 |
| Retained earnings to average equity (ytd only) | 0.1351% | 4,946 |
| Net charge-offs to loans | 0.3400% | 560 |
| Credit loss provision to net charge-offs | 13.0481% | 3,420 |
| Earnings coverage of net charge-offs (x) | 1.1455% | 3,649 |
| Efficiency ratio | 95.2319% | 222 |
| Assets per employee ($millions) | 4.0128% | 3,877 |
| Cash dividends to net income (ytd only)* | 88.9437% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9536% | 516 |
| Loan loss allowance to noncurrent loans | 64.3064% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 2.8092% | 243 |
| Noncurrent loans to loans | 3.0379% | 331 |
| Net loans and leases to total assets | 43.6523% | 4,828 |
| Net loans and leases to deposits | 56.5665% | 4,640 |
| Net loans and leases to core deposits | 60.6826% | 4,599 |
| Total domestic deposits to total assets | 77.1699% | 4,609 |
| Equity capital to assets | 13.6275% | 1,092 |
| Core capital (leverage) ratio | 14.1102% | 894 |
| Tier 1 risk-based capital ratio | 23.3599% | 874 |
| Total risk-based capital ratio | 24.6120% | 853 |
| Memoranda: | ||
| Average total assets | $631,886,200 | 1,155 |
| Average earning assets | $563,839,000 | 1,195 |
| Average equity | $82,916,800 | 996 |
| Average total loans | $274,997,800 | 1,699 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4242% | 5,009 |
| Cost of funding earning assets | 0.4291% | 3,668 |
| Net interest margin | 2.9951% | 4,854 |
| Noninterest income to average assets | 0.9108% | 1,168 |
| Noninterest expense to average assets | 3.3942% | 1,129 |
| Loan and lease loss provision to assets | 0.0191% | 3,626 |
| Net operating income to assets | 0.1708% | 5,215 |
| Return on assets (ROA) | 0.1766% | 5,200 |
| Pretax return on assets | 0.1766% | 5,215 |
| Return on Equity (ROE) | 1.3586% | 5,199 |
| Retained earnings to average equity (ytd only) | 1.2764% | 4,786 |
| Net charge-offs to loans | 0.4129% | 390 |
| Credit loss provision to net charge-offs | 10.6682% | 3,054 |
| Earnings coverage of net charge-offs (x) | 1.0621% | 3,378 |
| Efficiency ratio | 94.7036% | 231 |
| Assets per employee ($millions) | 3.9768% | 3,926 |
| Cash dividends to net income (ytd only)* | 6.0500% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9679% | 515 |
| Loan loss allowance to noncurrent loans | 62.9790% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 2.9935% | 243 |
| Noncurrent loans to loans | 3.1247% | 338 |
| Net loans and leases to total assets | 43.5677% | 4,897 |
| Net loans and leases to deposits | 53.1665% | 4,848 |
| Net loans and leases to core deposits | 56.7586% | 4,824 |
| Total domestic deposits to total assets | 81.9458% | 3,625 |
| Equity capital to assets | 13.2298% | 1,243 |
| Core capital (leverage) ratio | 13.9553% | 948 |
| Tier 1 risk-based capital ratio | 23.5624% | 883 |
| Total risk-based capital ratio | 24.8146% | 866 |
| Memoranda: | ||
| Average total assets | $636,368,750 | 1,141 |
| Average earning assets | $567,985,500 | 1,188 |
| Average equity | $82,729,250 | 1,000 |
| Average total loans | $275,410,750 | 1,700 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3391% | 5,105 |
| Cost of funding earning assets | 0.3890% | 3,815 |
| Net interest margin | 2.9501% | 4,945 |
| Noninterest income to average assets | 0.8743% | 1,259 |
| Noninterest expense to average assets | 3.3399% | 1,230 |
| Loan and lease loss provision to assets | 0.0196% | 3,508 |
| Net operating income to assets | 0.1546% | 5,258 |
| Return on assets (ROA) | 0.1633% | 5,246 |
| Pretax return on assets | 0.1633% | 5,261 |
| Return on Equity (ROE) | 1.2632% | 5,246 |
| Retained earnings to average equity (ytd only) | 1.1405% | 4,727 |
| Net charge-offs to loans | 0.5132% | 295 |
| Credit loss provision to net charge-offs | 8.8983% | 2,734 |
| Earnings coverage of net charge-offs (x) | 0.7910% | 3,103 |
| Efficiency ratio | 95.0434% | 236 |
| Assets per employee ($millions) | 4.1711% | 3,625 |
| Cash dividends to net income (ytd only)* | 9.7143% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0265% | 496 |
| Loan loss allowance to noncurrent loans | 58.5770% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 3.0228% | 244 |
| Noncurrent loans to loans | 3.4596% | 288 |
| Net loans and leases to total assets | 41.7262% | 4,995 |
| Net loans and leases to deposits | 50.8218% | 4,952 |
| Net loans and leases to core deposits | 54.3792% | 4,920 |
| Total domestic deposits to total assets | 82.1029% | 3,687 |
| Equity capital to assets | 12.8693% | 1,363 |
| Core capital (leverage) ratio | 13.6078% | 1,030 |
| Tier 1 risk-based capital ratio | 23.3889% | 899 |
| Total risk-based capital ratio | 24.6414% | 877 |
| Memoranda: | ||
| Average total assets | $643,021,330 | 1,131 |
| Average earning assets | $575,368,000 | 1,170 |
| Average equity | $83,122,330 | 995 |
| Average total loans | $275,898,670 | 1,711 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2947% | 5,146 |
| Cost of funding earning assets | 0.3430% | 4,041 |
| Net interest margin | 2.9516% | 4,954 |
| Noninterest income to average assets | 0.9246% | 1,086 |
| Noninterest expense to average assets | 3.3310% | 1,292 |
| Loan and lease loss provision to assets | 0.0217% | 3,248 |
| Net operating income to assets | 0.2169% | 5,222 |
| Return on assets (ROA) | 0.2169% | 5,222 |
| Pretax return on assets | 0.2169% | 5,248 |
| Return on Equity (ROE) | 1.6743% | 5,225 |
| Retained earnings to average equity (ytd only) | 1.6743% | 4,444 |
| Net charge-offs to loans | -0.0345% | 4,805 |
| Credit loss provision to net charge-offs | -145.8333% | 3,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3160% | 322 |
| Assets per employee ($millions) | 4.1261% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2552% | 350 |
| Loan loss allowance to noncurrent loans | 48.2074% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 3.3759% | 213 |
| Noncurrent loans to loans | 4.6781% | 171 |
| Net loans and leases to total assets | 41.8285% | 4,987 |
| Net loans and leases to deposits | 49.8438% | 4,965 |
| Net loans and leases to core deposits | 53.2032% | 4,943 |
| Total domestic deposits to total assets | 83.9192% | 3,356 |
| Equity capital to assets | 12.8165% | 1,331 |
| Core capital (leverage) ratio | 13.4563% | 1,022 |
| Tier 1 risk-based capital ratio | 23.8882% | 849 |
| Total risk-based capital ratio | 25.1434% | 832 |
| Memoranda: | ||
| Average total assets | $645,443,500 | 1,143 |
| Average earning assets | $578,388,500 | 1,174 |
| Average equity | $83,619,000 | 1,001 |
| Average total loans | $277,950,500 | 1,701 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0618% | 5,318 |
| Cost of funding earning assets | 0.2356% | 4,684 |
| Net interest margin | 2.8262% | 5,137 |
| Noninterest income to average assets | 0.8916% | 1,299 |
| Noninterest expense to average assets | 3.1733% | 1,672 |
| Loan and lease loss provision to assets | 0.0173% | 3,953 |
| Net operating income to assets | 0.4031% | 4,679 |
| Return on assets (ROA) | 0.4231% | 4,642 |
| Pretax return on assets | 0.2623% | 5,252 |
| Return on Equity (ROE) | 3.2833% | 4,751 |
| Retained earnings to average equity (ytd only) | 1.0883% | 4,595 |
| Net charge-offs to loans | -0.1958% | 5,519 |
| Credit loss provision to net charge-offs | -20.3152% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4371% | 339 |
| Assets per employee ($millions) | 3.9706% | 4,011 |
| Cash dividends to net income (ytd only)* | 66.8543% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1940% | 378 |
| Loan loss allowance to noncurrent loans | 44.5547% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 3.4057% | 202 |
| Noncurrent loans to loans | 4.9242% | 142 |
| Net loans and leases to total assets | 42.3812% | 5,053 |
| Net loans and leases to deposits | 51.7235% | 4,999 |
| Net loans and leases to core deposits | 54.8751% | 4,969 |
| Total domestic deposits to total assets | 81.9380% | 3,884 |
| Equity capital to assets | 13.0933% | 1,218 |
| Core capital (leverage) ratio | 13.4714% | 978 |
| Tier 1 risk-based capital ratio | 22.7869% | 935 |
| Total risk-based capital ratio | 24.0410% | 919 |
| Memoranda: | ||
| Average total assets | $671,735,800 | 1,088 |
| Average earning assets | $604,032,800 | 1,106 |
| Average equity | $86,558,200 | 945 |
| Average total loans | $291,657,800 | 1,604 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0175% | 5,396 |
| Cost of funding earning assets | 0.2213% | 4,800 |
| Net interest margin | 2.7962% | 5,224 |
| Noninterest income to average assets | 0.8802% | 1,337 |
| Noninterest expense to average assets | 3.1744% | 1,622 |
| Loan and lease loss provision to assets | 0.0167% | 3,810 |
| Net operating income to assets | 0.2732% | 5,264 |
| Return on assets (ROA) | 0.3002% | 5,235 |
| Pretax return on assets | 0.2337% | 5,357 |
| Return on Equity (ROE) | 2.3383% | 5,254 |
| Retained earnings to average equity (ytd only) | 2.3383% | 4,476 |
| Net charge-offs to loans | -0.2721% | 5,592 |
| Credit loss provision to net charge-offs | -14.1431% | 4,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4240% | 305 |
| Assets per employee ($millions) | 4.0110% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2549% | 373 |
| Loan loss allowance to noncurrent loans | 42.0219% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 3.4752% | 223 |
| Noncurrent loans to loans | 5.3661% | 135 |
| Net loans and leases to total assets | 40.7878% | 5,166 |
| Net loans and leases to deposits | 48.9162% | 5,163 |
| Net loans and leases to core deposits | 52.0155% | 5,138 |
| Total domestic deposits to total assets | 83.3830% | 3,333 |
| Equity capital to assets | 13.5237% | 1,149 |
| Core capital (leverage) ratio | 13.1345% | 1,155 |
| Tier 1 risk-based capital ratio | 23.4227% | 904 |
| Total risk-based capital ratio | 24.6776% | 886 |
| Memoranda: | ||
| Average total assets | $677,867,000 | 1,083 |
| Average earning assets | $610,332,500 | 1,109 |
| Average equity | $87,012,500 | 938 |
| Average total loans | $294,460,000 | 1,604 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9787% | 5,452 |
| Cost of funding earning assets | 0.2021% | 4,958 |
| Net interest margin | 2.7766% | 5,282 |
| Noninterest income to average assets | 0.9220% | 1,209 |
| Noninterest expense to average assets | 3.1725% | 1,643 |
| Loan and lease loss provision to assets | 0.0163% | 3,629 |
| Net operating income to assets | 0.3318% | 5,148 |
| Return on assets (ROA) | 0.3718% | 5,066 |
| Pretax return on assets | 0.2732% | 5,368 |
| Return on Equity (ROE) | 2.9465% | 5,138 |
| Retained earnings to average equity (ytd only) | 2.9465% | 3,962 |
| Net charge-offs to loans | 0.0272% | 2,670 |
| Credit loss provision to net charge-offs | 136.5854% | 1,621 |
| Earnings coverage of net charge-offs (x) | 20.8780% | 1,773 |
| Efficiency ratio | 92.7062% | 340 |
| Assets per employee ($millions) | 4.0159% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9133% | 708 |
| Loan loss allowance to noncurrent loans | 39.9548% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 3.2396% | 265 |
| Noncurrent loans to loans | 4.7887% | 166 |
| Net loans and leases to total assets | 43.1903% | 5,090 |
| Net loans and leases to deposits | 51.8002% | 5,069 |
| Net loans and leases to core deposits | 54.7536% | 5,057 |
| Total domestic deposits to total assets | 83.3787% | 3,439 |
| Equity capital to assets | 13.6011% | 1,113 |
| Core capital (leverage) ratio | 12.9530% | 1,192 |
| Tier 1 risk-based capital ratio | 22.5948% | 983 |
| Total risk-based capital ratio | 23.8468% | 967 |
| Memoranda: | ||
| Average total assets | $685,889,000 | 1,068 |
| Average earning assets | $617,588,330 | 1,096 |
| Average equity | $86,544,000 | 947 |
| Average total loans | $301,672,330 | 1,570 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8962% | 5,544 |
| Cost of funding earning assets | 0.1755% | 5,192 |
| Net interest margin | 2.7208% | 5,367 |
| Noninterest income to average assets | 0.8011% | 1,546 |
| Noninterest expense to average assets | 3.1873% | 1,651 |
| Loan and lease loss provision to assets | 0.0148% | 3,373 |
| Net operating income to assets | 0.0586% | 5,557 |
| Return on assets (ROA) | 0.0682% | 5,553 |
| Pretax return on assets | 0.0682% | 5,556 |
| Return on Equity (ROE) | 0.5609% | 5,559 |
| Retained earnings to average equity (ytd only) | 0.5609% | 4,788 |
| Net charge-offs to loans | 0.0129% | 2,547 |
| Credit loss provision to net charge-offs | 260.0000% | 860 |
| Earnings coverage of net charge-offs (x) | 12.9000% | 1,819 |
| Efficiency ratio | 97.7507% | 271 |
| Assets per employee ($millions) | 4.5139% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8081% | 945 |
| Loan loss allowance to noncurrent loans | 41.1592% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 2.9859% | 341 |
| Noncurrent loans to loans | 4.3929% | 220 |
| Net loans and leases to total assets | 41.2213% | 5,198 |
| Net loans and leases to deposits | 48.2923% | 5,205 |
| Net loans and leases to core deposits | 50.7546% | 5,194 |
| Total domestic deposits to total assets | 85.3580% | 2,938 |
| Equity capital to assets | 11.9326% | 1,890 |
| Core capital (leverage) ratio | 12.2567% | 1,467 |
| Tier 1 risk-based capital ratio | 21.7541% | 1,113 |
| Total risk-based capital ratio | 23.0056% | 1,089 |
| Memoranda: | ||
| Average total assets | $703,543,000 | 1,046 |
| Average earning assets | $636,000,000 | 1,066 |
| Average equity | $85,573,000 | 952 |
| Average total loans | $309,274,000 | 1,534 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0974% | 5,408 |
| Cost of funding earning assets | 0.1718% | 5,274 |
| Net interest margin | 2.9256% | 5,085 |
| Noninterest income to average assets | 0.8402% | 1,614 |
| Noninterest expense to average assets | 3.3136% | 1,547 |
| Loan and lease loss provision to assets | 0.0844% | 2,668 |
| Net operating income to assets | 0.0300% | 5,620 |
| Return on assets (ROA) | 0.0479% | 5,636 |
| Pretax return on assets | 0.0595% | 5,626 |
| Return on Equity (ROE) | 0.3620% | 5,635 |
| Retained earnings to average equity (ytd only) | 0.2777% | 5,209 |
| Net charge-offs to loans | 0.9663% | 193 |
| Credit loss provision to net charge-offs | 17.9067% | 3,686 |
| Earnings coverage of net charge-offs (x) | 0.2579% | 4,121 |
| Efficiency ratio | 96.4607% | 297 |
| Assets per employee ($millions) | 4.1760% | 3,657 |
| Cash dividends to net income (ytd only)* | 23.2919% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7333% | 1,074 |
| Loan loss allowance to noncurrent loans | 46.1149% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 2.9737% | 343 |
| Noncurrent loans to loans | 3.7586% | 297 |
| Net loans and leases to total assets | 45.2485% | 5,056 |
| Net loans and leases to deposits | 53.8745% | 5,017 |
| Net loans and leases to core deposits | 56.3371% | 5,037 |
| Total domestic deposits to total assets | 83.9886% | 3,421 |
| Equity capital to assets | 12.4063% | 1,571 |
| Core capital (leverage) ratio | 12.4698% | 1,344 |
| Tier 1 risk-based capital ratio | 21.0405% | 1,200 |
| Total risk-based capital ratio | 22.2914% | 1,183 |
| Memoranda: | ||
| Average total assets | $672,800,600 | 1,051 |
| Average earning assets | $596,762,200 | 1,094 |
| Average equity | $88,951,200 | 897 |
| Average total loans | $328,271,200 | 1,415 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1348% | 5,438 |
| Cost of funding earning assets | 0.1747% | 5,308 |
| Net interest margin | 2.9601% | 5,080 |
| Noninterest income to average assets | 0.8745% | 1,493 |
| Noninterest expense to average assets | 3.3451% | 1,467 |
| Loan and lease loss provision to assets | 0.0273% | 3,700 |
| Net operating income to assets | 0.1046% | 5,618 |
| Return on assets (ROA) | 0.1312% | 5,641 |
| Pretax return on assets | 0.1467% | 5,630 |
| Return on Equity (ROE) | 0.9768% | 5,645 |
| Retained earnings to average equity (ytd only) | 0.8657% | 5,122 |
| Net charge-offs to loans | 0.5072% | 423 |
| Credit loss provision to net charge-offs | 10.8644% | 3,366 |
| Earnings coverage of net charge-offs (x) | 0.5741% | 3,779 |
| Efficiency ratio | 95.8695% | 320 |
| Assets per employee ($millions) | 4.1172% | 3,758 |
| Cash dividends to net income (ytd only)* | 11.3812% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1431% | 561 |
| Loan loss allowance to noncurrent loans | 50.8083% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 3.4015% | 300 |
| Noncurrent loans to loans | 4.2181% | 249 |
| Net loans and leases to total assets | 46.6862% | 5,047 |
| Net loans and leases to deposits | 56.2576% | 4,976 |
| Net loans and leases to core deposits | 59.0712% | 4,993 |
| Total domestic deposits to total assets | 82.9866% | 3,606 |
| Equity capital to assets | 13.3689% | 1,309 |
| Core capital (leverage) ratio | 12.7222% | 1,300 |
| Tier 1 risk-based capital ratio | 20.6712% | 1,327 |
| Total risk-based capital ratio | 21.9262% | 1,298 |
| Memoranda: | ||
| Average total assets | $669,785,000 | 1,060 |
| Average earning assets | $591,626,250 | 1,105 |
| Average equity | $89,947,500 | 897 |
| Average total loans | $331,500,000 | 1,412 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1791% | 5,461 |
| Cost of funding earning assets | 0.1736% | 5,380 |
| Net interest margin | 3.0056% | 5,072 |
| Noninterest income to average assets | 0.8035% | 1,698 |
| Noninterest expense to average assets | 3.3426% | 1,503 |
| Loan and lease loss provision to assets | 0.0411% | 3,336 |
| Net operating income to assets | 0.0472% | 5,728 |
| Return on assets (ROA) | 0.0654% | 5,741 |
| Pretax return on assets | 0.0888% | 5,737 |
| Return on Equity (ROE) | 0.4863% | 5,749 |
| Retained earnings to average equity (ytd only) | 0.3190% | 5,205 |
| Net charge-offs to loans | 0.6576% | 310 |
| Credit loss provision to net charge-offs | 12.4772% | 2,980 |
| Earnings coverage of net charge-offs (x) | 0.3197% | 3,528 |
| Efficiency ratio | 96.9457% | 314 |
| Assets per employee ($millions) | 3.9836% | 3,941 |
| Cash dividends to net income (ytd only)* | 34.4037% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1778% | 566 |
| Loan loss allowance to noncurrent loans | 47.2579% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 3.5745% | 289 |
| Noncurrent loans to loans | 4.6084% | 211 |
| Net loans and leases to total assets | 47.9980% | 4,995 |
| Net loans and leases to deposits | 58.2960% | 4,886 |
| Net loans and leases to core deposits | 61.5573% | 4,908 |
| Total domestic deposits to total assets | 82.3350% | 3,897 |
| Equity capital to assets | 13.6856% | 1,147 |
| Core capital (leverage) ratio | 12.8115% | 1,225 |
| Tier 1 risk-based capital ratio | 20.6080% | 1,327 |
| Total risk-based capital ratio | 21.8635% | 1,309 |
| Memoranda: | ||
| Average total assets | $666,598,000 | 1,066 |
| Average earning assets | $586,514,330 | 1,116 |
| Average equity | $89,656,330 | 899 |
| Average total loans | $333,964,330 | 1,399 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2718% | 5,373 |
| Cost of funding earning assets | 0.1658% | 5,502 |
| Net interest margin | 3.1060% | 4,844 |
| Noninterest income to average assets | 0.7391% | 1,863 |
| Noninterest expense to average assets | 3.3390% | 1,509 |
| Loan and lease loss provision to assets | 0.0677% | 2,605 |
| Net operating income to assets | 0.0504% | 5,740 |
| Return on assets (ROA) | 0.0935% | 5,731 |
| Pretax return on assets | 0.0935% | 5,739 |
| Return on Equity (ROE) | 0.7014% | 5,742 |
| Retained earnings to average equity (ytd only) | 0.7014% | 4,937 |
| Net charge-offs to loans | 0.7331% | 287 |
| Credit loss provision to net charge-offs | 18.2553% | 2,309 |
| Earnings coverage of net charge-offs (x) | 0.3183% | 2,940 |
| Efficiency ratio | 96.5840% | 384 |
| Assets per employee ($millions) | 4.1983% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2385% | 561 |
| Loan loss allowance to noncurrent loans | 48.4034% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 3.6542% | 294 |
| Noncurrent loans to loans | 4.6246% | 230 |
| Net loans and leases to total assets | 47.4013% | 5,014 |
| Net loans and leases to deposits | 56.8334% | 4,929 |
| Net loans and leases to core deposits | 59.3811% | 4,976 |
| Total domestic deposits to total assets | 83.4040% | 3,750 |
| Equity capital to assets | 12.8653% | 1,479 |
| Core capital (leverage) ratio | 12.7252% | 1,263 |
| Tier 1 risk-based capital ratio | 19.9473% | 1,510 |
| Total risk-based capital ratio | 21.2033% | 1,478 |
| Memoranda: | ||
| Average total assets | $667,262,500 | 1,063 |
| Average earning assets | $583,903,500 | 1,117 |
| Average equity | $88,961,500 | 898 |
| Average total loans | $337,734,000 | 1,374 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2913% | 5,361 |
| Cost of funding earning assets | 0.1492% | 5,687 |
| Net interest margin | 3.1420% | 4,799 |
| Noninterest income to average assets | 0.7528% | 1,969 |
| Noninterest expense to average assets | 3.6088% | 1,113 |
| Loan and lease loss provision to assets | 0.3849% | 368 |
| Net operating income to assets | -0.4186% | 6,023 |
| Return on assets (ROA) | -0.6324% | 6,067 |
| Pretax return on assets | -0.7459% | 6,077 |
| Return on Equity (ROE) | -4.7308% | 6,044 |
| Retained earnings to average equity (ytd only) | -4.7308% | 5,905 |
| Net charge-offs to loans | 1.0431% | 189 |
| Credit loss provision to net charge-offs | 69.4459% | 3,133 |
| Earnings coverage of net charge-offs (x) | -0.1977% | 4,283 |
| Efficiency ratio | 103.1311% | 230 |
| Assets per employee ($millions) | 3.7287% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3907% | 460 |
| Loan loss allowance to noncurrent loans | 52.6350% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 3.9598% | 264 |
| Noncurrent loans to loans | 4.5420% | 231 |
| Net loans and leases to total assets | 51.6753% | 4,722 |
| Net loans and leases to deposits | 64.2607% | 4,450 |
| Net loans and leases to core deposits | 67.4287% | 4,486 |
| Total domestic deposits to total assets | 80.4151% | 4,636 |
| Equity capital to assets | 13.8428% | 985 |
| Core capital (leverage) ratio | 13.4703% | 981 |
| Tier 1 risk-based capital ratio | 19.8298% | 1,509 |
| Total risk-based capital ratio | 21.0873% | 1,483 |
| Memoranda: | ||
| Average total assets | $670,828,200 | 1,024 |
| Average earning assets | $586,371,200 | 1,066 |
| Average equity | $89,668,400 | 851 |
| Average total loans | $356,423,400 | 1,271 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2545% | 5,498 |
| Cost of funding earning assets | 0.1480% | 5,791 |
| Net interest margin | 3.1065% | 4,945 |
| Noninterest income to average assets | 0.7892% | 1,839 |
| Noninterest expense to average assets | 3.6263% | 1,070 |
| Loan and lease loss provision to assets | 0.5511% | 175 |
| Net operating income to assets | -0.6693% | 6,163 |
| Return on assets (ROA) | -1.0005% | 6,190 |
| Pretax return on assets | -1.0005% | 6,186 |
| Return on Equity (ROE) | -7.5478% | 6,161 |
| Retained earnings to average equity (ytd only) | -7.5478% | 6,086 |
| Net charge-offs to loans | 1.3424% | 119 |
| Credit loss provision to net charge-offs | 77.2002% | 2,656 |
| Earnings coverage of net charge-offs (x) | -0.1656% | 4,002 |
| Efficiency ratio | 103.3690% | 226 |
| Assets per employee ($millions) | 3.7322% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4024% | 503 |
| Loan loss allowance to noncurrent loans | 44.7776% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 4.5282% | 241 |
| Noncurrent loans to loans | 5.3651% | 175 |
| Net loans and leases to total assets | 52.1058% | 4,750 |
| Net loans and leases to deposits | 64.5007% | 4,515 |
| Net loans and leases to core deposits | 67.4636% | 4,585 |
| Total domestic deposits to total assets | 80.7833% | 4,529 |
| Equity capital to assets | 13.4555% | 1,245 |
| Core capital (leverage) ratio | 12.7367% | 1,301 |
| Tier 1 risk-based capital ratio | 18.8837% | 1,803 |
| Total risk-based capital ratio | 20.1410% | 1,768 |
| Memoranda: | ||
| Average total assets | $679,132,750 | 1,021 |
| Average earning assets | $594,402,250 | 1,062 |
| Average equity | $90,019,750 | 853 |
| Average total loans | $361,140,000 | 1,257 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2400% | 5,555 |
| Cost of funding earning assets | 0.1409% | 5,914 |
| Net interest margin | 3.0991% | 4,972 |
| Noninterest income to average assets | 0.9238% | 1,372 |
| Noninterest expense to average assets | 3.6612% | 1,036 |
| Loan and lease loss provision to assets | 0.7334% | 115 |
| Net operating income to assets | -0.7528% | 6,233 |
| Return on assets (ROA) | -0.7528% | 6,237 |
| Pretax return on assets | -0.7528% | 6,226 |
| Return on Equity (ROE) | -5.7069% | 6,204 |
| Retained earnings to average equity (ytd only) | -5.7069% | 6,050 |
| Net charge-offs to loans | 1.1919% | 153 |
| Credit loss provision to net charge-offs | 115.8475% | 1,859 |
| Earnings coverage of net charge-offs (x) | -0.0308% | 3,714 |
| Efficiency ratio | 100.5350% | 309 |
| Assets per employee ($millions) | 3.8668% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6394% | 404 |
| Loan loss allowance to noncurrent loans | 32.6028% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 6.0673% | 156 |
| Noncurrent loans to loans | 8.0956% | 80 |
| Net loans and leases to total assets | 52.0636% | 4,749 |
| Net loans and leases to deposits | 65.5328% | 4,384 |
| Net loans and leases to core deposits | 68.8952% | 4,420 |
| Total domestic deposits to total assets | 79.4467% | 4,993 |
| Equity capital to assets | 13.0879% | 1,355 |
| Core capital (leverage) ratio | 12.5442% | 1,353 |
| Tier 1 risk-based capital ratio | 18.5515% | 1,908 |
| Total risk-based capital ratio | 19.8109% | 1,865 |
| Memoranda: | ||
| Average total assets | $687,798,330 | 1,016 |
| Average earning assets | $603,212,670 | 1,054 |
| Average equity | $90,732,000 | 846 |
| Average total loans | $365,287,000 | 1,257 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2441% | 5,568 |
| Cost of funding earning assets | 0.1379% | 6,011 |
| Net interest margin | 3.1062% | 4,932 |
| Noninterest income to average assets | 0.8798% | 1,454 |
| Noninterest expense to average assets | 3.6414% | 1,079 |
| Loan and lease loss provision to assets | 0.5688% | 170 |
| Net operating income to assets | -0.5884% | 6,264 |
| Return on assets (ROA) | -0.5884% | 6,274 |
| Pretax return on assets | -0.5884% | 6,259 |
| Return on Equity (ROE) | -4.4437% | 6,249 |
| Retained earnings to average equity (ytd only) | -4.4437% | 5,893 |
| Net charge-offs to loans | 0.2256% | 1,041 |
| Credit loss provision to net charge-offs | 476.3285% | 575 |
| Earnings coverage of net charge-offs (x) | -0.1643% | 3,125 |
| Efficiency ratio | 100.5416% | 355 |
| Assets per employee ($millions) | 4.1224% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6871% | 412 |
| Loan loss allowance to noncurrent loans | 32.7753% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 5.9275% | 174 |
| Noncurrent loans to loans | 8.1985% | 95 |
| Net loans and leases to total assets | 50.1244% | 4,834 |
| Net loans and leases to deposits | 83.2182% | 2,177 |
| Net loans and leases to core deposits | 88.2935% | 2,297 |
| Total domestic deposits to total assets | 60.2325% | 6,321 |
| Equity capital to assets | 12.8366% | 1,491 |
| Core capital (leverage) ratio | 12.7668% | 1,248 |
| Tier 1 risk-based capital ratio | 18.8004% | 1,920 |
| Total risk-based capital ratio | 20.0607% | 1,877 |
| Memoranda: | ||
| Average total assets | $693,351,000 | 1,003 |
| Average earning assets | $612,072,500 | 1,042 |
| Average equity | $91,815,500 | 839 |
| Average total loans | $366,999,500 | 1,249 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4684% | 5,399 |
| Cost of funding earning assets | 0.2257% | 5,555 |
| Net interest margin | 3.2426% | 4,782 |
| Noninterest income to average assets | 0.9607% | 1,318 |
| Noninterest expense to average assets | 3.4935% | 1,499 |
| Loan and lease loss provision to assets | 1.0138% | 108 |
| Net operating income to assets | -1.3863% | 6,419 |
| Return on assets (ROA) | -1.3727% | 6,419 |
| Pretax return on assets | -0.6985% | 6,321 |
| Return on Equity (ROE) | -10.4150% | 6,368 |
| Retained earnings to average equity (ytd only) | -10.4150% | 6,323 |
| Net charge-offs to loans | 1.9531% | 100 |
| Credit loss provision to net charge-offs | 103.8138% | 2,305 |
| Earnings coverage of net charge-offs (x) | 0.3090% | 4,665 |
| Efficiency ratio | 92.0482% | 698 |
| Assets per employee ($millions) | 3.9134% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5402% | 524 |
| Loan loss allowance to noncurrent loans | 27.0343% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 6.2679% | 185 |
| Noncurrent loans to loans | 9.3963% | 77 |
| Net loans and leases to total assets | 53.0903% | 4,677 |
| Net loans and leases to deposits | 89.9019% | 1,528 |
| Net loans and leases to core deposits | 96.0953% | 1,713 |
| Total domestic deposits to total assets | 59.0537% | 6,412 |
| Equity capital to assets | 13.6821% | 1,081 |
| Core capital (leverage) ratio | 13.1483% | 1,085 |
| Tier 1 risk-based capital ratio | 20.0224% | 1,600 |
| Total risk-based capital ratio | 21.2820% | 1,566 |
| Memoranda: | ||
| Average total assets | $730,309,200 | 922 |
| Average earning assets | $638,398,000 | 961 |
| Average equity | $96,255,600 | 767 |
| Average total loans | $365,154,000 | 1,215 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4934% | 5,408 |
| Cost of funding earning assets | 0.2477% | 5,433 |
| Net interest margin | 3.2457% | 4,804 |
| Noninterest income to average assets | 1.0699% | 1,068 |
| Noninterest expense to average assets | 3.4977% | 1,465 |
| Loan and lease loss provision to assets | 0.8242% | 148 |
| Net operating income to assets | -0.1481% | 6,245 |
| Return on assets (ROA) | -0.1479% | 6,253 |
| Pretax return on assets | -0.4220% | 6,333 |
| Return on Equity (ROE) | -1.1315% | 6,236 |
| Retained earnings to average equity (ytd only) | -1.1315% | 5,981 |
| Net charge-offs to loans | 0.9253% | 348 |
| Credit loss provision to net charge-offs | 181.7645% | 1,377 |
| Earnings coverage of net charge-offs (x) | 0.8862% | 4,290 |
| Efficiency ratio | 89.6954% | 864 |
| Assets per employee ($millions) | 4.3328% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0738% | 332 |
| Loan loss allowance to noncurrent loans | 31.7026% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 5.9286% | 237 |
| Noncurrent loans to loans | 9.6956% | 80 |
| Net loans and leases to total assets | 46.3173% | 5,347 |
| Net loans and leases to deposits | 77.1752% | 3,052 |
| Net loans and leases to core deposits | 82.6268% | 3,046 |
| Total domestic deposits to total assets | 60.0158% | 6,490 |
| Equity capital to assets | 13.1442% | 1,355 |
| Core capital (leverage) ratio | 13.5604% | 977 |
| Tier 1 risk-based capital ratio | 21.1784% | 1,422 |
| Total risk-based capital ratio | 22.4419% | 1,391 |
| Memoranda: | ||
| Average total assets | $746,565,750 | 915 |
| Average earning assets | $650,858,250 | 956 |
| Average equity | $97,563,250 | 751 |
| Average total loans | $365,840,750 | 1,209 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5766% | 5,215 |
| Cost of funding earning assets | 0.1968% | 5,940 |
| Net interest margin | 3.3798% | 4,261 |
| Noninterest income to average assets | 1.0803% | 1,022 |
| Noninterest expense to average assets | 3.5573% | 1,373 |
| Loan and lease loss provision to assets | 0.2881% | 695 |
| Net operating income to assets | 0.2535% | 5,701 |
| Return on assets (ROA) | 0.2535% | 5,780 |
| Pretax return on assets | 0.1744% | 5,978 |
| Return on Equity (ROE) | 1.9436% | 5,849 |
| Retained earnings to average equity (ytd only) | 1.9436% | 4,909 |
| Net charge-offs to loans | 0.3116% | 1,299 |
| Credit loss provision to net charge-offs | 187.1080% | 1,232 |
| Earnings coverage of net charge-offs (x) | 3.0035% | 3,416 |
| Efficiency ratio | 88.4952% | 1,042 |
| Assets per employee ($millions) | 4.3774% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6095% | 601 |
| Loan loss allowance to noncurrent loans | 37.1125% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 4.6701% | 410 |
| Noncurrent loans to loans | 7.0314% | 175 |
| Net loans and leases to total assets | 47.8769% | 5,180 |
| Net loans and leases to deposits | 83.0464% | 2,136 |
| Net loans and leases to core deposits | 90.1490% | 2,112 |
| Total domestic deposits to total assets | 57.6508% | 6,575 |
| Equity capital to assets | 13.5611% | 1,135 |
| Core capital (leverage) ratio | 13.7062% | 917 |
| Tier 1 risk-based capital ratio | 21.6664% | 1,319 |
| Total risk-based capital ratio | 22.9258% | 1,293 |
| Memoranda: | ||
| Average total assets | $745,563,330 | 913 |
| Average earning assets | $648,444,330 | 959 |
| Average equity | $97,242,670 | 751 |
| Average total loans | $368,390,330 | 1,201 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5778% | 5,232 |
| Cost of funding earning assets | 0.1756% | 6,195 |
| Net interest margin | 3.4021% | 4,106 |
| Noninterest income to average assets | 1.0428% | 1,031 |
| Noninterest expense to average assets | 3.4360% | 1,619 |
| Loan and lease loss provision to assets | 0.2862% | 695 |
| Net operating income to assets | 0.3235% | 5,414 |
| Return on assets (ROA) | 0.3235% | 5,465 |
| Pretax return on assets | 0.2835% | 5,758 |
| Return on Equity (ROE) | 2.5292% | 5,614 |
| Retained earnings to average equity (ytd only) | 2.5292% | 4,547 |
| Net charge-offs to loans | 0.0097% | 3,430 |
| Credit loss provision to net charge-offs | 5,966.6667% | 59 |
| Earnings coverage of net charge-offs (x) | 118.7778% | 403 |
| Efficiency ratio | 85.7789% | 1,478 |
| Assets per employee ($millions) | 4.3448% | 3,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5691% | 749 |
| Loan loss allowance to noncurrent loans | 32.5043% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 5.1407% | 386 |
| Noncurrent loans to loans | 7.9038% | 168 |
| Net loans and leases to total assets | 48.2982% | 5,084 |
| Net loans and leases to deposits | 77.0149% | 2,678 |
| Net loans and leases to core deposits | 85.0213% | 2,419 |
| Total domestic deposits to total assets | 62.7129% | 6,610 |
| Equity capital to assets | 13.0921% | 1,267 |
| Core capital (leverage) ratio | 13.4076% | 1,002 |
| Tier 1 risk-based capital ratio | 21.1716% | 1,443 |
| Total risk-based capital ratio | 22.4306% | 1,414 |
| Memoranda: | ||
| Average total assets | $750,646,000 | 909 |
| Average earning assets | $653,705,500 | 952 |
| Average equity | $96,000,000 | 761 |
| Average total loans | $371,825,500 | 1,189 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5201% | 5,603 |
| Cost of funding earning assets | 0.2043% | 6,265 |
| Net interest margin | 3.3159% | 4,603 |
| Noninterest income to average assets | 0.9606% | 1,491 |
| Noninterest expense to average assets | 3.0608% | 2,863 |
| Loan and lease loss provision to assets | 1.2105% | 134 |
| Net operating income to assets | -0.0826% | 6,286 |
| Return on assets (ROA) | -0.0619% | 6,296 |
| Pretax return on assets | -0.3351% | 6,431 |
| Return on Equity (ROE) | -0.4906% | 6,297 |
| Retained earnings to average equity (ytd only) | -0.4906% | 5,974 |
| Net charge-offs to loans | 2.3694% | 127 |
| Credit loss provision to net charge-offs | 100.8034% | 2,394 |
| Earnings coverage of net charge-offs (x) | 0.7021% | 4,852 |
| Efficiency ratio | 78.4022% | 2,400 |
| Assets per employee ($millions) | 4.1666% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3802% | 949 |
| Loan loss allowance to noncurrent loans | 33.3097% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 4.8068% | 500 |
| Noncurrent loans to loans | 7.1456% | 230 |
| Net loans and leases to total assets | 48.3190% | 5,262 |
| Net loans and leases to deposits | 85.4025% | 1,762 |
| Net loans and leases to core deposits | 96.6101% | 1,410 |
| Total domestic deposits to total assets | 56.5780% | 6,733 |
| Equity capital to assets | 12.4920% | 1,513 |
| Core capital (leverage) ratio | 13.0171% | 1,137 |
| Tier 1 risk-based capital ratio | 20.6824% | 1,493 |
| Total risk-based capital ratio | 21.9396% | 1,463 |
| Memoranda: | ||
| Average total assets | $798,072,000 | 831 |
| Average earning assets | $708,407,800 | 855 |
| Average equity | $100,702,800 | 700 |
| Average total loans | $404,499,000 | 1,056 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2210% | 6,168 |
| Cost of funding earning assets | 0.2183% | 6,301 |
| Net interest margin | 3.0027% | 5,592 |
| Noninterest income to average assets | 1.0156% | 1,410 |
| Noninterest expense to average assets | 3.0609% | 2,789 |
| Loan and lease loss provision to assets | 0.7622% | 266 |
| Net operating income to assets | 0.0345% | 6,247 |
| Return on assets (ROA) | 0.0617% | 6,255 |
| Pretax return on assets | -0.0893% | 6,390 |
| Return on Equity (ROE) | 0.4879% | 6,270 |
| Retained earnings to average equity (ytd only) | 0.4879% | 5,769 |
| Net charge-offs to loans | 0.5763% | 1,092 |
| Credit loss provision to net charge-offs | 259.4944% | 961 |
| Earnings coverage of net charge-offs (x) | 2.1461% | 4,124 |
| Efficiency ratio | 82.9236% | 1,716 |
| Assets per employee ($millions) | 4.6345% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9504% | 582 |
| Loan loss allowance to noncurrent loans | 25.4826% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 6.9810% | 297 |
| Noncurrent loans to loans | 11.5781% | 94 |
| Net loans and leases to total assets | 48.5461% | 5,294 |
| Net loans and leases to deposits | 83.0266% | 1,995 |
| Net loans and leases to core deposits | 94.6047% | 1,513 |
| Total domestic deposits to total assets | 58.4706% | 6,795 |
| Equity capital to assets | 12.3281% | 1,687 |
| Core capital (leverage) ratio | 12.8821% | 1,251 |
| Tier 1 risk-based capital ratio | 20.0212% | 1,732 |
| Total risk-based capital ratio | 21.2842% | 1,702 |
| Memoranda: | ||
| Average total assets | $808,008,750 | 830 |
| Average earning assets | $720,011,250 | 850 |
| Average equity | $102,196,000 | 702 |
| Average total loans | $411,786,500 | 1,036 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1818% | 6,251 |
| Cost of funding earning assets | 0.2209% | 6,362 |
| Net interest margin | 2.9609% | 5,672 |
| Noninterest income to average assets | 0.9988% | 1,540 |
| Noninterest expense to average assets | 3.0335% | 2,893 |
| Loan and lease loss provision to assets | 1.0027% | 187 |
| Net operating income to assets | -0.1629% | 6,467 |
| Return on assets (ROA) | -0.1227% | 6,475 |
| Pretax return on assets | -0.3207% | 6,564 |
| Return on Equity (ROE) | -0.9624% | 6,455 |
| Retained earnings to average equity (ytd only) | -0.9624% | 6,042 |
| Net charge-offs to loans | 0.3761% | 1,704 |
| Credit loss provision to net charge-offs | 520.0255% | 534 |
| Earnings coverage of net charge-offs (x) | 3.2117% | 3,456 |
| Efficiency ratio | 83.0461% | 1,751 |
| Assets per employee ($millions) | 4.5695% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0142% | 574 |
| Loan loss allowance to noncurrent loans | 23.6469% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 7.3207% | 316 |
| Noncurrent loans to loans | 12.7465% | 80 |
| Net loans and leases to total assets | 49.1702% | 5,202 |
| Net loans and leases to deposits | 81.2582% | 2,151 |
| Net loans and leases to core deposits | 95.3525% | 1,416 |
| Total domestic deposits to total assets | 60.5111% | 6,833 |
| Equity capital to assets | 12.4178% | 1,627 |
| Core capital (leverage) ratio | 12.2817% | 1,461 |
| Tier 1 risk-based capital ratio | 19.9111% | 1,741 |
| Total risk-based capital ratio | 21.1753% | 1,705 |
| Memoranda: | ||
| Average total assets | $813,179,670 | 821 |
| Average earning assets | $728,888,670 | 839 |
| Average equity | $103,694,670 | 693 |
| Average total loans | $416,908,000 | 1,023 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1637% | 6,338 |
| Cost of funding earning assets | 0.2201% | 6,475 |
| Net interest margin | 2.9436% | 5,721 |
| Noninterest income to average assets | 0.9739% | 1,542 |
| Noninterest expense to average assets | 3.0225% | 2,912 |
| Loan and lease loss provision to assets | 0.2622% | 1,356 |
| Net operating income to assets | 0.3191% | 5,496 |
| Return on assets (ROA) | 0.3191% | 5,629 |
| Pretax return on assets | 0.3371% | 5,757 |
| Return on Equity (ROE) | 2.4714% | 5,790 |
| Retained earnings to average equity (ytd only) | 2.4714% | 4,791 |
| Net charge-offs to loans | 0.5295% | 1,135 |
| Credit loss provision to net charge-offs | 96.0784% | 1,929 |
| Earnings coverage of net charge-offs (x) | 2.1961% | 3,103 |
| Efficiency ratio | 83.4520% | 1,837 |
| Assets per employee ($millions) | 4.9637% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1210% | 1,752 |
| Loan loss allowance to noncurrent loans | 16.9917% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 6.9509% | 407 |
| Noncurrent loans to loans | 12.4827% | 124 |
| Net loans and leases to total assets | 48.3167% | 5,191 |
| Net loans and leases to deposits | 78.7825% | 2,242 |
| Net loans and leases to core deposits | 91.2940% | 1,578 |
| Total domestic deposits to total assets | 61.3293% | 6,907 |
| Equity capital to assets | 12.5901% | 1,658 |
| Core capital (leverage) ratio | 12.0180% | 1,551 |
| Tier 1 risk-based capital ratio | 19.5011% | 1,904 |
| Total risk-based capital ratio | 20.7566% | 1,875 |
| Memoranda: | ||
| Average total assets | $822,224,000 | 813 |
| Average earning assets | $739,640,500 | 826 |
| Average equity | $106,175,500 | 685 |
| Average total loans | $423,813,000 | 1,008 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3007% | 6,581 |
| Cost of funding earning assets | 0.2772% | 6,560 |
| Net interest margin | 3.0235% | 5,994 |
| Noninterest income to average assets | 0.9699% | 1,633 |
| Noninterest expense to average assets | 2.9641% | 3,408 |
| Loan and lease loss provision to assets | 0.5134% | 1,143 |
| Net operating income to assets | 0.2013% | 5,785 |
| Return on assets (ROA) | 0.3606% | 5,477 |
| Pretax return on assets | 0.3714% | 5,651 |
| Return on Equity (ROE) | 2.8446% | 5,616 |
| Retained earnings to average equity (ytd only) | 1.7523% | 4,982 |
| Net charge-offs to loans | 0.8222% | 1,422 |
| Credit loss provision to net charge-offs | 120.3500% | 2,382 |
| Earnings coverage of net charge-offs (x) | 1.6892% | 4,590 |
| Efficiency ratio | 80.4431% | 2,094 |
| Assets per employee ($millions) | 4.5233% | 2,916 |
| Cash dividends to net income (ytd only)* | 38.3973% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0546% | 1,877 |
| Loan loss allowance to noncurrent loans | 16.0061% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 7.7868% | 373 |
| Noncurrent loans to loans | 12.8363% | 125 |
| Net loans and leases to total assets | 52.7371% | 4,799 |
| Net loans and leases to deposits | 88.6882% | 1,199 |
| Net loans and leases to core deposits | 106.4464% | 673 |
| Total domestic deposits to total assets | 59.4635% | 6,976 |
| Equity capital to assets | 13.2538% | 1,326 |
| Core capital (leverage) ratio | 12.6211% | 1,271 |
| Tier 1 risk-based capital ratio | 19.2163% | 1,889 |
| Total risk-based capital ratio | 20.4717% | 1,866 |
| Memoranda: | ||
| Average total assets | $830,536,600 | 793 |
| Average earning assets | $745,751,400 | 799 |
| Average equity | $105,287,600 | 672 |
| Average total loans | $430,923,400 | 968 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2813% | 6,743 |
| Cost of funding earning assets | 0.2902% | 6,656 |
| Net interest margin | 2.9911% | 6,186 |
| Noninterest income to average assets | 0.9333% | 1,724 |
| Noninterest expense to average assets | 3.1219% | 2,821 |
| Loan and lease loss provision to assets | 0.3772% | 1,708 |
| Net operating income to assets | 0.1218% | 6,087 |
| Return on assets (ROA) | 0.3243% | 5,731 |
| Pretax return on assets | 0.3266% | 5,903 |
| Return on Equity (ROE) | 2.5859% | 5,852 |
| Retained earnings to average equity (ytd only) | 1.9515% | 5,353 |
| Net charge-offs to loans | 1.0580% | 995 |
| Credit loss provision to net charge-offs | 69.3478% | 3,924 |
| Earnings coverage of net charge-offs (x) | 0.9181% | 4,867 |
| Efficiency ratio | 86.2089% | 1,359 |
| Assets per employee ($millions) | 4.7312% | 2,560 |
| Cash dividends to net income (ytd only)* | 24.5338% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6282% | 3,420 |
| Loan loss allowance to noncurrent loans | 13.1053% | 6,623 |
| Noncurrent assets plus other real estate owned to assets | 7.5960% | 431 |
| Noncurrent loans to loans | 12.4237% | 154 |
| Net loans and leases to total assets | 52.9332% | 4,924 |
| Net loans and leases to deposits | 85.9480% | 1,606 |
| Net loans and leases to core deposits | 103.9841% | 868 |
| Total domestic deposits to total assets | 61.5874% | 7,046 |
| Equity capital to assets | 13.1675% | 1,508 |
| Core capital (leverage) ratio | 12.3469% | 1,476 |
| Tier 1 risk-based capital ratio | 18.8929% | 2,042 |
| Total risk-based capital ratio | 20.1438% | 2,008 |
| Memoranda: | ||
| Average total assets | $838,014,750 | 788 |
| Average earning assets | $753,103,000 | 800 |
| Average equity | $105,081,250 | 676 |
| Average total loans | $430,883,500 | 979 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2736% | 6,832 |
| Cost of funding earning assets | 0.3099% | 6,691 |
| Net interest margin | 2.9637% | 6,311 |
| Noninterest income to average assets | 0.8834% | 1,850 |
| Noninterest expense to average assets | 3.0991% | 2,929 |
| Loan and lease loss provision to assets | 0.4318% | 1,512 |
| Net operating income to assets | 0.0406% | 6,269 |
| Return on assets (ROA) | 0.2680% | 5,905 |
| Pretax return on assets | 0.2421% | 6,072 |
| Return on Equity (ROE) | 2.1721% | 5,992 |
| Retained earnings to average equity (ytd only) | 2.1721% | 5,105 |
| Net charge-offs to loans | 1.5012% | 666 |
| Credit loss provision to net charge-offs | 56.7794% | 3,885 |
| Earnings coverage of net charge-offs (x) | 0.5870% | 4,776 |
| Efficiency ratio | 87.4093% | 1,297 |
| Assets per employee ($millions) | 4.8737% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 3,683 |
| Loan loss allowance to noncurrent loans | 12.2522% | 6,682 |
| Noncurrent assets plus other real estate owned to assets | 7.3769% | 502 |
| Noncurrent loans to loans | 12.8709% | 145 |
| Net loans and leases to total assets | 49.6271% | 5,404 |
| Net loans and leases to deposits | 87.3504% | 1,435 |
| Net loans and leases to core deposits | 104.1566% | 850 |
| Total domestic deposits to total assets | 56.8139% | 7,159 |
| Equity capital to assets | 12.4907% | 1,823 |
| Core capital (leverage) ratio | 12.0322% | 1,588 |
| Tier 1 risk-based capital ratio | 18.9189% | 1,986 |
| Total risk-based capital ratio | 20.1618% | 1,970 |
| Memoranda: | ||
| Average total assets | $847,674,670 | 782 |
| Average earning assets | $761,422,670 | 788 |
| Average equity | $104,598,330 | 678 |
| Average total loans | $429,399,330 | 978 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2464% | 6,924 |
| Cost of funding earning assets | 0.3168% | 6,788 |
| Net interest margin | 2.9296% | 6,437 |
| Noninterest income to average assets | 0.9284% | 1,633 |
| Noninterest expense to average assets | 3.1155% | 2,864 |
| Loan and lease loss provision to assets | 0.2549% | 2,415 |
| Net operating income to assets | 0.2204% | 5,920 |
| Return on assets (ROA) | 0.2695% | 5,917 |
| Pretax return on assets | 0.2435% | 6,098 |
| Return on Equity (ROE) | 2.1975% | 6,006 |
| Retained earnings to average equity (ytd only) | 2.1975% | 5,163 |
| Net charge-offs to loans | 0.5838% | 1,638 |
| Credit loss provision to net charge-offs | 85.9873% | 2,626 |
| Earnings coverage of net charge-offs (x) | 1.5159% | 3,569 |
| Efficiency ratio | 87.3957% | 1,346 |
| Assets per employee ($millions) | 5.1168% | 2,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8795% | 2,739 |
| Loan loss allowance to noncurrent loans | 13.8924% | 6,707 |
| Noncurrent assets plus other real estate owned to assets | 7.3323% | 561 |
| Noncurrent loans to loans | 13.5290% | 151 |
| Net loans and leases to total assets | 46.9213% | 5,687 |
| Net loans and leases to deposits | 83.3627% | 1,744 |
| Net loans and leases to core deposits | 101.3582% | 897 |
| Total domestic deposits to total assets | 56.2858% | 7,222 |
| Equity capital to assets | 11.5353% | 2,409 |
| Core capital (leverage) ratio | 12.0979% | 1,534 |
| Tier 1 risk-based capital ratio | 18.5806% | 2,119 |
| Total risk-based capital ratio | 19.8334% | 2,084 |
| Memoranda: | ||
| Average total assets | $847,502,000 | 784 |
| Average earning assets | $762,697,000 | 789 |
| Average equity | $103,935,500 | 677 |
| Average total loans | $430,303,500 | 971 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4790% | 7,005 |
| Cost of funding earning assets | 0.4419% | 6,760 |
| Net interest margin | 3.0371% | 6,469 |
| Noninterest income to average assets | 0.9181% | 1,611 |
| Noninterest expense to average assets | 3.4002% | 2,244 |
| Loan and lease loss provision to assets | 0.3634% | 2,827 |
| Net operating income to assets | 0.0572% | 5,949 |
| Return on assets (ROA) | 0.1465% | 5,884 |
| Pretax return on assets | -0.0020% | 6,130 |
| Return on Equity (ROE) | 1.1791% | 5,924 |
| Retained earnings to average equity (ytd only) | 0.2841% | 5,702 |
| Net charge-offs to loans | 0.3509% | 3,645 |
| Credit loss provision to net charge-offs | 202.5535% | 1,229 |
| Earnings coverage of net charge-offs (x) | 1.2374% | 4,852 |
| Efficiency ratio | 93.8718% | 929 |
| Assets per employee ($millions) | 4.3692% | 3,120 |
| Cash dividends to net income (ytd only)* | 75.9087% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 2,627 |
| Loan loss allowance to noncurrent loans | 13.6914% | 6,766 |
| Noncurrent assets plus other real estate owned to assets | 8.2016% | 478 |
| Noncurrent loans to loans | 13.7426% | 158 |
| Net loans and leases to total assets | 53.0627% | 5,161 |
| Net loans and leases to deposits | 90.6424% | 1,082 |
| Net loans and leases to core deposits | 115.0456% | 464 |
| Total domestic deposits to total assets | 58.5407% | 7,245 |
| Equity capital to assets | 13.0795% | 1,449 |
| Core capital (leverage) ratio | 12.5575% | 1,326 |
| Tier 1 risk-based capital ratio | 19.1454% | 1,857 |
| Total risk-based capital ratio | 20.3990% | 1,824 |
| Memoranda: | ||
| Average total assets | $807,738,000 | 813 |
| Average earning assets | $719,182,400 | 827 |
| Average equity | $100,330,200 | 683 |
| Average total loans | $412,926,800 | 1,017 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6109% | 7,008 |
| Cost of funding earning assets | 0.4663% | 6,830 |
| Net interest margin | 3.1446% | 6,304 |
| Noninterest income to average assets | 0.9318% | 1,544 |
| Noninterest expense to average assets | 3.3402% | 2,373 |
| Loan and lease loss provision to assets | 0.2850% | 3,237 |
| Net operating income to assets | 0.1758% | 5,763 |
| Return on assets (ROA) | 0.3066% | 5,546 |
| Pretax return on assets | 0.2308% | 5,843 |
| Return on Equity (ROE) | 2.5009% | 5,625 |
| Retained earnings to average equity (ytd only) | 1.6977% | 5,292 |
| Net charge-offs to loans | 0.4431% | 2,951 |
| Credit loss provision to net charge-offs | 127.6549% | 2,503 |
| Earnings coverage of net charge-offs (x) | 1.7249% | 4,358 |
| Efficiency ratio | 89.6623% | 1,191 |
| Assets per employee ($millions) | 4.5149% | 2,888 |
| Cash dividends to net income (ytd only)* | 32.1159% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6641% | 3,401 |
| Loan loss allowance to noncurrent loans | 18.1882% | 6,736 |
| Noncurrent assets plus other real estate owned to assets | 5.6095% | 984 |
| Noncurrent loans to loans | 9.1492% | 418 |
| Net loans and leases to total assets | 51.0818% | 5,569 |
| Net loans and leases to deposits | 85.2558% | 1,794 |
| Net loans and leases to core deposits | 104.8705% | 923 |
| Total domestic deposits to total assets | 59.9159% | 7,300 |
| Equity capital to assets | 12.6225% | 1,836 |
| Core capital (leverage) ratio | 12.3356% | 1,516 |
| Tier 1 risk-based capital ratio | 18.9761% | 1,946 |
| Total risk-based capital ratio | 20.2272% | 1,923 |
| Memoranda: | ||
| Average total assets | $809,781,250 | 816 |
| Average earning assets | $719,388,500 | 831 |
| Average equity | $99,268,000 | 696 |
| Average total loans | $408,056,750 | 1,040 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7173% | 7,000 |
| Cost of funding earning assets | 0.4992% | 6,847 |
| Net interest margin | 3.2181% | 6,106 |
| Noninterest income to average assets | 1.0242% | 1,263 |
| Noninterest expense to average assets | 3.3486% | 2,405 |
| Loan and lease loss provision to assets | 0.2935% | 3,050 |
| Net operating income to assets | 0.3158% | 5,305 |
| Return on assets (ROA) | 0.3175% | 5,437 |
| Pretax return on assets | 0.2389% | 5,838 |
| Return on Equity (ROE) | 2.6160% | 5,555 |
| Retained earnings to average equity (ytd only) | 1.3977% | 5,291 |
| Net charge-offs to loans | 0.5573% | 2,433 |
| Credit loss provision to net charge-offs | 105.6050% | 2,924 |
| Earnings coverage of net charge-offs (x) | 1.9093% | 3,910 |
| Efficiency ratio | 86.3208% | 1,568 |
| Assets per employee ($millions) | 4.4625% | 2,904 |
| Cash dividends to net income (ytd only)* | 46.5732% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7064% | 3,302 |
| Loan loss allowance to noncurrent loans | 19.8862% | 6,722 |
| Noncurrent assets plus other real estate owned to assets | 5.1333% | 1,190 |
| Noncurrent loans to loans | 8.5811% | 502 |
| Net loans and leases to total assets | 47.3500% | 6,116 |
| Net loans and leases to deposits | 77.6003% | 3,200 |
| Net loans and leases to core deposits | 97.4314% | 1,543 |
| Total domestic deposits to total assets | 61.0178% | 7,364 |
| Equity capital to assets | 12.3944% | 1,847 |
| Core capital (leverage) ratio | 11.9493% | 1,622 |
| Tier 1 risk-based capital ratio | 19.0898% | 1,812 |
| Total risk-based capital ratio | 20.3403% | 1,778 |
| Memoranda: | ||
| Average total assets | $808,814,670 | 829 |
| Average earning assets | $717,570,000 | 848 |
| Average equity | $98,163,670 | 699 |
| Average total loans | $403,356,670 | 1,069 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7894% | 6,960 |
| Cost of funding earning assets | 0.5167% | 6,913 |
| Net interest margin | 3.2727% | 5,870 |
| Noninterest income to average assets | 0.9045% | 1,647 |
| Noninterest expense to average assets | 3.3192% | 2,499 |
| Loan and lease loss provision to assets | 0.3185% | 2,639 |
| Net operating income to assets | 0.2430% | 5,640 |
| Return on assets (ROA) | 0.2430% | 5,705 |
| Pretax return on assets | 0.1784% | 5,991 |
| Return on Equity (ROE) | 2.0241% | 5,778 |
| Retained earnings to average equity (ytd only) | -0.4512% | 5,876 |
| Net charge-offs to loans | 0.1812% | 3,405 |
| Credit loss provision to net charge-offs | 346.4865% | 943 |
| Earnings coverage of net charge-offs (x) | 5.4054% | 2,285 |
| Efficiency ratio | 86.9775% | 1,613 |
| Assets per employee ($millions) | 4.3804% | 3,075 |
| Cash dividends to net income (ytd only)* | 122.2904% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7469% | 3,189 |
| Loan loss allowance to noncurrent loans | 43.4511% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 2.8133% | 2,449 |
| Noncurrent loans to loans | 4.0203% | 1,806 |
| Net loans and leases to total assets | 48.2758% | 6,046 |
| Net loans and leases to deposits | 74.8045% | 3,633 |
| Net loans and leases to core deposits | 91.3854% | 2,186 |
| Total domestic deposits to total assets | 64.5359% | 7,361 |
| Equity capital to assets | 11.7213% | 2,108 |
| Core capital (leverage) ratio | 12.3899% | 1,376 |
| Tier 1 risk-based capital ratio | 18.7483% | 1,883 |
| Total risk-based capital ratio | 19.9996% | 1,838 |
| Memoranda: | ||
| Average total assets | $804,904,000 | 838 |
| Average earning assets | $716,103,000 | 857 |
| Average equity | $96,637,000 | 699 |
| Average total loans | $408,340,000 | 1,065 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9471% | 7,165 |
| Cost of funding earning assets | 0.6129% | 7,101 |
| Net interest margin | 3.3343% | 5,857 |
| Noninterest income to average assets | 0.9584% | 1,642 |
| Noninterest expense to average assets | 3.2109% | 3,048 |
| Loan and lease loss provision to assets | 0.8138% | 2,008 |
| Net operating income to assets | -0.0109% | 5,855 |
| Return on assets (ROA) | 0.1901% | 5,469 |
| Pretax return on assets | 0.1104% | 5,681 |
| Return on Equity (ROE) | 1.5974% | 5,525 |
| Retained earnings to average equity (ytd only) | 0.5984% | 5,284 |
| Net charge-offs to loans | 1.8306% | 1,146 |
| Credit loss provision to net charge-offs | 85.3190% | 5,326 |
| Earnings coverage of net charge-offs (x) | 0.7582% | 5,364 |
| Efficiency ratio | 81.6160% | 2,211 |
| Assets per employee ($millions) | 4.0938% | 3,593 |
| Cash dividends to net income (ytd only)* | 62.5391% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6224% | 3,499 |
| Loan loss allowance to noncurrent loans | 38.0022% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 2.9726% | 2,369 |
| Noncurrent loans to loans | 4.2691% | 1,697 |
| Net loans and leases to total assets | 51.5724% | 5,978 |
| Net loans and leases to deposits | 83.3211% | 2,564 |
| Net loans and leases to core deposits | 106.9014% | 1,135 |
| Total domestic deposits to total assets | 61.8960% | 7,482 |
| Equity capital to assets | 12.3075% | 1,739 |
| Core capital (leverage) ratio | 12.2935% | 1,393 |
| Tier 1 risk-based capital ratio | 18.7215% | 1,785 |
| Total risk-based capital ratio | 19.9718% | 1,753 |
| Memoranda: | ||
| Average total assets | $841,200,400 | 805 |
| Average earning assets | $750,744,800 | 813 |
| Average equity | $100,100,400 | 672 |
| Average total loans | $438,329,000 | 1,023 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9835% | 7,289 |
| Cost of funding earning assets | 0.6293% | 7,229 |
| Net interest margin | 3.3542% | 5,830 |
| Noninterest income to average assets | 0.9404% | 1,646 |
| Noninterest expense to average assets | 3.1307% | 3,189 |
| Loan and lease loss provision to assets | 0.5888% | 2,580 |
| Net operating income to assets | 0.1954% | 5,521 |
| Return on assets (ROA) | 0.4255% | 4,821 |
| Pretax return on assets | 0.4757% | 5,003 |
| Return on Equity (ROE) | 3.6041% | 4,962 |
| Retained earnings to average equity (ytd only) | 3.4062% | 4,052 |
| Net charge-offs to loans | 0.7818% | 2,481 |
| Credit loss provision to net charge-offs | 144.7167% | 2,714 |
| Earnings coverage of net charge-offs (x) | 1.9809% | 4,230 |
| Efficiency ratio | 79.5284% | 2,418 |
| Assets per employee ($millions) | 4.3569% | 3,156 |
| Cash dividends to net income (ytd only)* | 5.4906% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1309% | 1,924 |
| Loan loss allowance to noncurrent loans | 35.5784% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 3.4494% | 2,064 |
| Noncurrent loans to loans | 5.9894% | 1,047 |
| Net loans and leases to total assets | 50.7112% | 6,246 |
| Net loans and leases to deposits | 77.6245% | 3,899 |
| Net loans and leases to core deposits | 99.2341% | 1,923 |
| Total domestic deposits to total assets | 65.3289% | 7,490 |
| Equity capital to assets | 12.6832% | 1,766 |
| Core capital (leverage) ratio | 11.9624% | 1,689 |
| Tier 1 risk-based capital ratio | 18.0740% | 2,010 |
| Total risk-based capital ratio | 19.3285% | 1,966 |
| Memoranda: | ||
| Average total assets | $856,023,500 | 790 |
| Average earning assets | $764,637,500 | 798 |
| Average equity | $101,067,250 | 658 |
| Average total loans | $445,436,500 | 1,015 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1048% | 7,281 |
| Cost of funding earning assets | 0.6354% | 7,327 |
| Net interest margin | 3.4694% | 5,369 |
| Noninterest income to average assets | 0.9195% | 1,619 |
| Noninterest expense to average assets | 3.0525% | 3,513 |
| Loan and lease loss provision to assets | 0.6289% | 2,280 |
| Net operating income to assets | 0.2654% | 5,311 |
| Return on assets (ROA) | 0.5429% | 4,277 |
| Pretax return on assets | 0.7073% | 4,206 |
| Return on Equity (ROE) | 4.7073% | 4,434 |
| Retained earnings to average equity (ytd only) | 4.7073% | 3,078 |
| Net charge-offs to loans | 0.6161% | 2,683 |
| Credit loss provision to net charge-offs | 195.9169% | 2,017 |
| Earnings coverage of net charge-offs (x) | 3.0401% | 3,481 |
| Efficiency ratio | 75.7749% | 3,111 |
| Assets per employee ($millions) | 4.6031% | 2,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0566% | 2,059 |
| Loan loss allowance to noncurrent loans | 29.5176% | 6,400 |
| Noncurrent assets plus other real estate owned to assets | 3.6720% | 1,906 |
| Noncurrent loans to loans | 6.9674% | 813 |
| Net loans and leases to total assets | 49.3966% | 6,501 |
| Net loans and leases to deposits | 84.0652% | 2,859 |
| Net loans and leases to core deposits | 109.1114% | 1,229 |
| Total domestic deposits to total assets | 58.7599% | 7,673 |
| Equity capital to assets | 11.5589% | 2,395 |
| Core capital (leverage) ratio | 11.7928% | 1,762 |
| Tier 1 risk-based capital ratio | 17.1368% | 2,223 |
| Total risk-based capital ratio | 18.3907% | 2,179 |
| Memoranda: | ||
| Average total assets | $869,784,330 | 775 |
| Average earning assets | $779,375,330 | 786 |
| Average equity | $100,311,330 | 655 |
| Average total loans | $453,195,000 | 1,007 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 7,181 |
| Cost of funding earning assets | 0.6449% | 7,455 |
| Net interest margin | 3.6244% | 4,606 |
| Noninterest income to average assets | 0.9203% | 1,556 |
| Noninterest expense to average assets | 3.1127% | 3,216 |
| Loan and lease loss provision to assets | 0.5332% | 2,372 |
| Net operating income to assets | 0.4199% | 4,756 |
| Return on assets (ROA) | 0.4214% | 4,886 |
| Pretax return on assets | 0.5095% | 4,925 |
| Return on Equity (ROE) | 3.6584% | 5,047 |
| Retained earnings to average equity (ytd only) | 3.6584% | 3,957 |
| Net charge-offs to loans | 0.6119% | 2,287 |
| Credit loss provision to net charge-offs | 164.5207% | 2,206 |
| Earnings coverage of net charge-offs (x) | 3.2117% | 2,982 |
| Efficiency ratio | 74.9414% | 3,415 |
| Assets per employee ($millions) | 4.3062% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 2,591 |
| Loan loss allowance to noncurrent loans | 25.7408% | 6,688 |
| Noncurrent assets plus other real estate owned to assets | 3.9378% | 1,753 |
| Noncurrent loans to loans | 7.1653% | 820 |
| Net loans and leases to total assets | 51.1583% | 6,357 |
| Net loans and leases to deposits | 83.6693% | 2,997 |
| Net loans and leases to core deposits | 108.3184% | 1,396 |
| Total domestic deposits to total assets | 61.1434% | 7,735 |
| Equity capital to assets | 11.6648% | 2,254 |
| Core capital (leverage) ratio | 11.4503% | 1,941 |
| Tier 1 risk-based capital ratio | 16.6431% | 2,393 |
| Total risk-based capital ratio | 17.8949% | 2,351 |
| Memoranda: | ||
| Average total assets | $862,775,500 | 796 |
| Average earning assets | $769,680,000 | 815 |
| Average equity | $99,388,000 | 669 |
| Average total loans | $456,925,000 | 1,030 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2588% | 7,576 |
| Cost of funding earning assets | 0.9204% | 7,363 |
| Net interest margin | 3.3384% | 5,590 |
| Noninterest income to average assets | 1.0081% | 1,543 |
| Noninterest expense to average assets | 3.0414% | 3,985 |
| Loan and lease loss provision to assets | 0.5822% | 3,466 |
| Net operating income to assets | 0.2912% | 4,568 |
| Return on assets (ROA) | 0.3667% | 4,364 |
| Pretax return on assets | 0.4724% | 4,272 |
| Return on Equity (ROE) | 3.2856% | 4,385 |
| Retained earnings to average equity (ytd only) | -2.5049% | 5,615 |
| Net charge-offs to loans | 1.8170% | 1,375 |
| Credit loss provision to net charge-offs | 61.3911% | 6,624 |
| Earnings coverage of net charge-offs (x) | 1.0100% | 5,107 |
| Efficiency ratio | 76.0497% | 3,519 |
| Assets per employee ($millions) | 4.4098% | 3,094 |
| Cash dividends to net income (ytd only)* | 176.2382% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 2,947 |
| Loan loss allowance to noncurrent loans | 29.8528% | 6,480 |
| Noncurrent assets plus other real estate owned to assets | 3.2098% | 2,139 |
| Noncurrent loans to loans | 5.6394% | 1,137 |
| Net loans and leases to total assets | 52.8915% | 6,315 |
| Net loans and leases to deposits | 97.1093% | 1,200 |
| Net loans and leases to core deposits | 131.2245% | 1,217 |
| Total domestic deposits to total assets | 54.4660% | 7,872 |
| Equity capital to assets | 11.3748% | 2,418 |
| Core capital (leverage) ratio | 11.1826% | 2,119 |
| Tier 1 risk-based capital ratio | 16.9456% | 2,165 |
| Total risk-based capital ratio | 18.1971% | 2,132 |
| Memoranda: | ||
| Average total assets | $897,451,000 | 750 |
| Average earning assets | $804,098,800 | 757 |
| Average equity | $100,165,600 | 657 |
| Average total loans | $468,412,400 | 1,031 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 7,702 |
| Cost of funding earning assets | 0.9801% | 7,429 |
| Net interest margin | 3.2561% | 5,807 |
| Noninterest income to average assets | 0.9876% | 1,651 |
| Noninterest expense to average assets | 2.9319% | 4,307 |
| Loan and lease loss provision to assets | 0.5483% | 3,195 |
| Net operating income to assets | 0.3834% | 4,463 |
| Return on assets (ROA) | 0.4366% | 4,353 |
| Pretax return on assets | 0.4867% | 4,558 |
| Return on Equity (ROE) | 3.9299% | 4,400 |
| Retained earnings to average equity (ytd only) | -3.7550% | 6,068 |
| Net charge-offs to loans | 1.9127% | 1,045 |
| Credit loss provision to net charge-offs | 55.3327% | 6,240 |
| Earnings coverage of net charge-offs (x) | 0.9847% | 5,070 |
| Efficiency ratio | 75.0283% | 3,685 |
| Assets per employee ($millions) | 4.3538% | 3,114 |
| Cash dividends to net income (ytd only)* | 195.5495% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 2,482 |
| Loan loss allowance to noncurrent loans | 30.5233% | 6,423 |
| Noncurrent assets plus other real estate owned to assets | 3.3157% | 2,035 |
| Noncurrent loans to loans | 5.6993% | 1,081 |
| Net loans and leases to total assets | 51.8112% | 6,619 |
| Net loans and leases to deposits | 84.4552% | 3,578 |
| Net loans and leases to core deposits | 121.9309% | 2,078 |
| Total domestic deposits to total assets | 61.3476% | 7,842 |
| Equity capital to assets | 11.3014% | 2,747 |
| Core capital (leverage) ratio | 10.8109% | 2,555 |
| Tier 1 risk-based capital ratio | 16.8187% | 2,329 |
| Total risk-based capital ratio | 18.0703% | 2,282 |
| Memoranda: | ||
| Average total assets | $905,735,750 | 755 |
| Average earning assets | $812,277,500 | 763 |
| Average equity | $100,628,500 | 660 |
| Average total loans | $469,271,500 | 1,045 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1959% | 7,827 |
| Cost of funding earning assets | 1.0568% | 7,454 |
| Net interest margin | 3.1391% | 6,130 |
| Noninterest income to average assets | 0.9813% | 1,659 |
| Noninterest expense to average assets | 2.9254% | 4,410 |
| Loan and lease loss provision to assets | 0.4052% | 3,498 |
| Net operating income to assets | 0.4105% | 4,468 |
| Return on assets (ROA) | 0.4372% | 4,460 |
| Pretax return on assets | 0.4909% | 4,653 |
| Return on Equity (ROE) | 3.9573% | 4,515 |
| Retained earnings to average equity (ytd only) | -3.5766% | 6,060 |
| Net charge-offs to loans | 1.3462% | 1,383 |
| Credit loss provision to net charge-offs | 58.4334% | 5,621 |
| Earnings coverage of net charge-offs (x) | 1.2489% | 4,596 |
| Efficiency ratio | 77.1564% | 3,485 |
| Assets per employee ($millions) | 4.6849% | 2,481 |
| Cash dividends to net income (ytd only)* | 190.3808% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0973% | 1,402 |
| Loan loss allowance to noncurrent loans | 61.4564% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.9534% | 3,264 |
| Noncurrent loans to loans | 3.4127% | 2,067 |
| Net loans and leases to total assets | 48.5705% | 6,986 |
| Net loans and leases to deposits | 88.6655% | 3,062 |
| Net loans and leases to core deposits | 129.1705% | 1,634 |
| Total domestic deposits to total assets | 54.7795% | 8,019 |
| Equity capital to assets | 10.4915% | 3,413 |
| Core capital (leverage) ratio | 10.7755% | 2,588 |
| Tier 1 risk-based capital ratio | 16.0445% | 2,610 |
| Total risk-based capital ratio | 17.2986% | 2,550 |
| Memoranda: | ||
| Average total assets | $913,043,000 | 772 |
| Average earning assets | $817,361,670 | 779 |
| Average equity | $100,877,000 | 666 |
| Average total loans | $470,354,670 | 1,059 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2483% | 7,878 |
| Cost of funding earning assets | 1.1392% | 7,445 |
| Net interest margin | 3.1091% | 6,169 |
| Noninterest income to average assets | 1.0165% | 1,439 |
| Noninterest expense to average assets | 2.8520% | 4,328 |
| Loan and lease loss provision to assets | 0.1549% | 4,948 |
| Net operating income to assets | 0.6967% | 3,575 |
| Return on assets (ROA) | 0.7504% | 3,525 |
| Pretax return on assets | 0.8572% | 3,863 |
| Return on Equity (ROE) | 6.6171% | 3,769 |
| Retained earnings to average equity (ytd only) | -8.2968% | 6,943 |
| Net charge-offs to loans | 0.0754% | 4,424 |
| Credit loss provision to net charge-offs | 391.0112% | 1,320 |
| Earnings coverage of net charge-offs (x) | 24.0112% | 1,253 |
| Efficiency ratio | 74.9912% | 3,668 |
| Assets per employee ($millions) | 4.4393% | 2,817 |
| Cash dividends to net income (ytd only)* | 225.3855% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3867% | 864 |
| Loan loss allowance to noncurrent loans | 47.4983% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 2.7336% | 2,082 |
| Noncurrent loans to loans | 5.0247% | 1,078 |
| Net loans and leases to total assets | 51.3627% | 6,744 |
| Net loans and leases to deposits | 85.1743% | 3,782 |
| Net loans and leases to core deposits | 116.2384% | 2,780 |
| Total domestic deposits to total assets | 60.3030% | 7,960 |
| Equity capital to assets | 11.0741% | 2,903 |
| Core capital (leverage) ratio | 11.0043% | 2,495 |
| Tier 1 risk-based capital ratio | 17.5092% | 2,184 |
| Total risk-based capital ratio | 18.7686% | 2,124 |
| Memoranda: | ||
| Average total assets | $898,736,500 | 785 |
| Average earning assets | $805,501,000 | 791 |
| Average equity | $101,918,500 | 661 |
| Average total loans | $471,949,500 | 1,065 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4403% | 7,411 |
| Cost of funding earning assets | 1.8731% | 6,814 |
| Net interest margin | 3.5671% | 5,029 |
| Noninterest income to average assets | 1.1038% | 1,289 |
| Noninterest expense to average assets | 3.2596% | 3,118 |
| Loan and lease loss provision to assets | 0.2625% | 4,299 |
| Net operating income to assets | 0.5516% | 4,521 |
| Return on assets (ROA) | 0.5636% | 4,320 |
| Pretax return on assets | 0.7851% | 4,126 |
| Return on Equity (ROE) | 4.8925% | 4,435 |
| Retained earnings to average equity (ytd only) | -3.4089% | 6,210 |
| Net charge-offs to loans | 0.1322% | 4,895 |
| Credit loss provision to net charge-offs | 384.1244% | 1,147 |
| Earnings coverage of net charge-offs (x) | 15.0851% | 1,965 |
| Efficiency ratio | 75.9717% | 3,237 |
| Assets per employee ($millions) | 4.3085% | 2,941 |
| Cash dividends to net income (ytd only)* | 169.6765% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3780% | 775 |
| Loan loss allowance to noncurrent loans | 62.1137% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 2.0508% | 2,398 |
| Noncurrent loans to loans | 3.8284% | 1,299 |
| Net loans and leases to total assets | 51.1588% | 6,924 |
| Net loans and leases to deposits | 89.3265% | 3,569 |
| Net loans and leases to core deposits | 113.9777% | 3,341 |
| Total domestic deposits to total assets | 57.2717% | 8,032 |
| Equity capital to assets | 11.6104% | 2,564 |
| Core capital (leverage) ratio | 11.5051% | 2,249 |
| Tier 1 risk-based capital ratio | 18.3184% | 1,954 |
| Total risk-based capital ratio | 19.5778% | 1,903 |
| Memoranda: | ||
| Average total assets | $894,030,600 | 752 |
| Average earning assets | $798,711,200 | 769 |
| Average equity | $102,993,600 | 652 |
| Average total loans | $462,128,200 | 1,049 |