Home > The Savings Bank > Performance and Condition Ratios
The Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4737% | 3,922 |
| Cost of funding earning assets | 2.0813% | 1,704 |
| Net interest margin | 2.3924% | 4,108 |
| Noninterest income to average assets | 0.6600% | 1,146 |
| Noninterest expense to average assets | 2.9065% | 1,311 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | -0.0289% | 4,196 |
| Return on assets (ROA) | 0.1364% | 4,073 |
| Pretax return on assets | 0.1320% | 4,090 |
| Return on Equity (ROE) | 1.4600% | 4,047 |
| Retained earnings to average equity (ytd only) | 1.4587% | 3,417 |
| Net charge-offs to loans | 0.0118% | 1,813 |
| Credit loss provision to net charge-offs | 405.5556% | 599 |
| Earnings coverage of net charge-offs (x) | -0.0556% | 4,409 |
| Efficiency ratio | 100.0166% | 263 |
| Assets per employee ($millions) | 7.9357% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 3,362 |
| Loan loss allowance to noncurrent loans | 44.7618% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.5923% | 366 |
| Noncurrent loans to loans | 2.1742% | 377 |
| Net loans and leases to total assets | 72.5200% | 1,523 |
| Net loans and leases to deposits | 82.1880% | 1,862 |
| Net loans and leases to core deposits | 104.8893% | 1,079 |
| Total domestic deposits to total assets | 88.2400% | 1,472 |
| Equity capital to assets | 9.4316% | 2,629 |
| Core capital (leverage) ratio | 9.7302% | 3,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $830,012,000 | 1,203 |
| Average earning assets | $777,971,500 | 1,188 |
| Average equity | $77,601,500 | 1,261 |
| Average total loans | $609,772,500 | 1,143 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3672% | 4,015 |
| Cost of funding earning assets | 2.1919% | 1,754 |
| Net interest margin | 2.1753% | 4,170 |
| Noninterest income to average assets | 0.6700% | 1,265 |
| Noninterest expense to average assets | 2.8517% | 1,406 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | -0.0907% | 4,245 |
| Return on assets (ROA) | 0.0358% | 4,166 |
| Pretax return on assets | -0.0034% | 4,198 |
| Return on Equity (ROE) | 0.3800% | 4,157 |
| Retained earnings to average equity (ytd only) | 0.3806% | 3,823 |
| Net charge-offs to loans | 0.0041% | 2,816 |
| Credit loss provision to net charge-offs | 1,162.5000% | 358 |
| Earnings coverage of net charge-offs (x) | -49.0417% | 4,492 |
| Efficiency ratio | 105.3367% | 215 |
| Assets per employee ($millions) | 7.8741% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9655% | 3,398 |
| Loan loss allowance to noncurrent loans | 40.5976% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.7527% | 263 |
| Noncurrent loans to loans | 2.3783% | 306 |
| Net loans and leases to total assets | 72.9800% | 1,550 |
| Net loans and leases to deposits | 82.4292% | 1,918 |
| Net loans and leases to core deposits | 102.8914% | 1,275 |
| Total domestic deposits to total assets | 88.5400% | 1,315 |
| Equity capital to assets | 9.2667% | 2,623 |
| Core capital (leverage) ratio | 9.5503% | 3,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $814,677,400 | 1,201 |
| Average earning assets | $764,265,400 | 1,189 |
| Average equity | $76,729,800 | 1,242 |
| Average total loans | $590,226,200 | 1,145 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3068% | 4,053 |
| Cost of funding earning assets | 2.1763% | 1,797 |
| Net interest margin | 2.1305% | 4,210 |
| Noninterest income to average assets | 0.6700% | 1,244 |
| Noninterest expense to average assets | 2.8450% | 1,377 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | -0.1838% | 4,319 |
| Return on assets (ROA) | 0.1968% | 4,041 |
| Pretax return on assets | 0.1958% | 4,063 |
| Return on Equity (ROE) | 2.0800% | 4,014 |
| Retained earnings to average equity (ytd only) | 2.0809% | 3,442 |
| Net charge-offs to loans | 0.0043% | 2,546 |
| Credit loss provision to net charge-offs | 842.1053% | 441 |
| Earnings coverage of net charge-offs (x) | -55.8947% | 4,522 |
| Efficiency ratio | 106.5326% | 203 |
| Assets per employee ($millions) | 7.7975% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 3,463 |
| Loan loss allowance to noncurrent loans | 43.8683% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.5765% | 312 |
| Noncurrent loans to loans | 2.1736% | 346 |
| Net loans and leases to total assets | 71.8400% | 1,628 |
| Net loans and leases to deposits | 85.1309% | 1,721 |
| Net loans and leases to core deposits | 102.9832% | 1,296 |
| Total domestic deposits to total assets | 84.3800% | 2,489 |
| Equity capital to assets | 9.5868% | 2,597 |
| Core capital (leverage) ratio | 9.9506% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $811,652,000 | 1,198 |
| Average earning assets | $761,506,750 | 1,186 |
| Average equity | $76,758,500 | 1,232 |
| Average total loans | $585,458,000 | 1,144 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 4,153 |
| Cost of funding earning assets | 2.1039% | 1,766 |
| Net interest margin | 2.0191% | 4,301 |
| Noninterest income to average assets | 0.6600% | 1,157 |
| Noninterest expense to average assets | 2.8691% | 1,308 |
| Loan and lease loss provision to assets | -0.0500% | 4,346 |
| Net operating income to assets | -0.2305% | 4,397 |
| Return on assets (ROA) | 0.0940% | 4,161 |
| Pretax return on assets | 0.0610% | 4,192 |
| Return on Equity (ROE) | 0.9900% | 4,151 |
| Retained earnings to average equity (ytd only) | 0.9929% | 3,503 |
| Net charge-offs to loans | 0.0028% | 2,066 |
| Credit loss provision to net charge-offs | -4,575.0000% | 4,578 |
| Earnings coverage of net charge-offs (x) | -157.7500% | 4,588 |
| Efficiency ratio | 112.3532% | 164 |
| Assets per employee ($millions) | 7.7708% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 3,524 |
| Loan loss allowance to noncurrent loans | 46.7486% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.4267% | 326 |
| Noncurrent loans to loans | 2.0337% | 319 |
| Net loans and leases to total assets | 69.4900% | 1,861 |
| Net loans and leases to deposits | 77.9253% | 2,244 |
| Net loans and leases to core deposits | 93.0712% | 1,832 |
| Total domestic deposits to total assets | 89.1700% | 1,055 |
| Equity capital to assets | 9.2704% | 2,492 |
| Core capital (leverage) ratio | 9.9425% | 2,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $800,098,000 | 1,211 |
| Average earning assets | $750,229,000 | 1,203 |
| Average equity | $75,739,000 | 1,234 |
| Average total loans | $573,050,500 | 1,159 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0525% | 3,878 |
| Cost of funding earning assets | 1.4549% | 2,062 |
| Net interest margin | 2.5976% | 3,965 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.8437% | 1,404 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.1765% | 4,190 |
| Return on assets (ROA) | 0.0924% | 4,284 |
| Pretax return on assets | 0.1044% | 4,276 |
| Return on Equity (ROE) | 0.9500% | 4,267 |
| Retained earnings to average equity (ytd only) | 0.9479% | 3,850 |
| Net charge-offs to loans | 0.0039% | 2,604 |
| Credit loss provision to net charge-offs | 1,680.9524% | 269 |
| Earnings coverage of net charge-offs (x) | 94.2381% | 930 |
| Efficiency ratio | 91.5662% | 370 |
| Assets per employee ($millions) | 7.4692% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 3,405 |
| Loan loss allowance to noncurrent loans | 415.1180% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 2,374 |
| Noncurrent loans to loans | 0.2364% | 2,361 |
| Net loans and leases to total assets | 72.4300% | 1,532 |
| Net loans and leases to deposits | 81.0430% | 2,027 |
| Net loans and leases to core deposits | 97.7597% | 1,554 |
| Total domestic deposits to total assets | 89.3800% | 954 |
| Equity capital to assets | 9.6700% | 2,224 |
| Core capital (leverage) ratio | 10.1665% | 2,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $755,561,400 | 1,233 |
| Average earning assets | $706,375,400 | 1,218 |
| Average equity | $73,637,800 | 1,201 |
| Average total loans | $542,689,600 | 1,162 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9665% | 3,903 |
| Cost of funding earning assets | 1.2974% | 2,158 |
| Net interest margin | 2.6690% | 3,923 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.8402% | 1,347 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.3132% | 4,102 |
| Return on assets (ROA) | 0.0331% | 4,378 |
| Pretax return on assets | 0.0319% | 4,370 |
| Return on Equity (ROE) | 0.3400% | 4,364 |
| Retained earnings to average equity (ytd only) | 0.3393% | 4,064 |
| Net charge-offs to loans | 0.0012% | 2,568 |
| Credit loss provision to net charge-offs | 1,200.0000% | 362 |
| Earnings coverage of net charge-offs (x) | 383.6000% | 373 |
| Efficiency ratio | 89.2609% | 399 |
| Assets per employee ($millions) | 7.5359% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 3,517 |
| Loan loss allowance to noncurrent loans | 323.7750% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 2,189 |
| Noncurrent loans to loans | 0.2979% | 2,167 |
| Net loans and leases to total assets | 71.4900% | 1,639 |
| Net loans and leases to deposits | 79.2924% | 2,117 |
| Net loans and leases to core deposits | 94.7800% | 1,631 |
| Total domestic deposits to total assets | 90.1600% | 900 |
| Equity capital to assets | 9.2497% | 2,260 |
| Core capital (leverage) ratio | 10.1083% | 2,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $748,385,750 | 1,242 |
| Average earning assets | $699,308,750 | 1,226 |
| Average equity | $73,087,750 | 1,201 |
| Average total loans | $534,936,250 | 1,169 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8717% | 3,921 |
| Cost of funding earning assets | 1.1233% | 2,210 |
| Net interest margin | 2.7484% | 3,908 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 2.8459% | 1,337 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.2760% | 4,192 |
| Return on assets (ROA) | 0.1742% | 4,332 |
| Pretax return on assets | 0.2222% | 4,297 |
| Return on Equity (ROE) | 1.7500% | 4,298 |
| Retained earnings to average equity (ytd only) | 1.7518% | 3,767 |
| Net charge-offs to loans | 0.0011% | 2,369 |
| Credit loss provision to net charge-offs | 3,100.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 488.0000% | 298 |
| Efficiency ratio | 87.8173% | 430 |
| Assets per employee ($millions) | 7.0370% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 3,428 |
| Loan loss allowance to noncurrent loans | 210.6766% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 1,559 |
| Noncurrent loans to loans | 0.4740% | 1,524 |
| Net loans and leases to total assets | 70.9200% | 1,643 |
| Net loans and leases to deposits | 79.1504% | 2,037 |
| Net loans and leases to core deposits | 93.9516% | 1,569 |
| Total domestic deposits to total assets | 89.6000% | 1,051 |
| Equity capital to assets | 9.8085% | 1,974 |
| Core capital (leverage) ratio | 10.4784% | 2,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $741,627,333 | 1,249 |
| Average earning assets | $693,137,667 | 1,234 |
| Average equity | $73,750,667 | 1,190 |
| Average total loans | $528,288,667 | 1,170 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7293% | 3,980 |
| Cost of funding earning assets | 0.8729% | 2,464 |
| Net interest margin | 2.8565% | 3,856 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.7847% | 1,466 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.4045% | 4,083 |
| Return on assets (ROA) | 0.2881% | 4,225 |
| Pretax return on assets | 0.3925% | 4,145 |
| Return on Equity (ROE) | 2.8800% | 4,198 |
| Retained earnings to average equity (ytd only) | 2.8798% | 3,532 |
| Net charge-offs to loans | 0.0008% | 2,038 |
| Credit loss provision to net charge-offs | 5,100.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 1,048.0000% | 96 |
| Efficiency ratio | 83.0173% | 644 |
| Assets per employee ($millions) | 6.9626% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 3,449 |
| Loan loss allowance to noncurrent loans | 195.9677% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 1,419 |
| Noncurrent loans to loans | 0.5193% | 1,424 |
| Net loans and leases to total assets | 69.1500% | 1,713 |
| Net loans and leases to deposits | 77.3114% | 2,010 |
| Net loans and leases to core deposits | 89.7235% | 1,631 |
| Total domestic deposits to total assets | 89.4500% | 1,357 |
| Equity capital to assets | 9.9521% | 1,840 |
| Core capital (leverage) ratio | 10.8226% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $735,878,500 | 1,267 |
| Average earning assets | $687,841,500 | 1,258 |
| Average equity | $73,616,000 | 1,202 |
| Average total loans | $522,731,500 | 1,190 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2834% | 3,630 |
| Cost of funding earning assets | 0.2540% | 3,289 |
| Net interest margin | 3.0294% | 3,360 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.8673% | 1,181 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.4647% | 4,147 |
| Return on assets (ROA) | 0.5260% | 4,000 |
| Pretax return on assets | 0.6816% | 3,891 |
| Return on Equity (ROE) | 5.0600% | 4,014 |
| Retained earnings to average equity (ytd only) | 5.0565% | 3,026 |
| Net charge-offs to loans | 0.0063% | 2,187 |
| Credit loss provision to net charge-offs | 2,196.7742% | 244 |
| Earnings coverage of net charge-offs (x) | 162.8387% | 746 |
| Efficiency ratio | 80.4174% | 687 |
| Assets per employee ($millions) | 6.7804% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 3,419 |
| Loan loss allowance to noncurrent loans | 218.4466% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 1,533 |
| Noncurrent loans to loans | 0.4555% | 1,573 |
| Net loans and leases to total assets | 71.6400% | 1,458 |
| Net loans and leases to deposits | 80.1638% | 1,760 |
| Net loans and leases to core deposits | 87.5234% | 1,647 |
| Total domestic deposits to total assets | 89.3700% | 1,614 |
| Equity capital to assets | 9.9237% | 1,742 |
| Core capital (leverage) ratio | 11.0511% | 1,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $722,969,800 | 1,282 |
| Average earning assets | $679,201,400 | 1,264 |
| Average equity | $75,209,400 | 1,184 |
| Average total loans | $493,877,000 | 1,191 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1652% | 3,522 |
| Cost of funding earning assets | 0.1983% | 3,297 |
| Net interest margin | 2.9669% | 3,303 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.8265% | 1,196 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.4807% | 4,116 |
| Return on assets (ROA) | 0.3259% | 4,301 |
| Pretax return on assets | 0.4309% | 4,235 |
| Return on Equity (ROE) | 3.1000% | 4,288 |
| Retained earnings to average equity (ytd only) | 3.0978% | 3,751 |
| Net charge-offs to loans | 0.0074% | 1,867 |
| Credit loss provision to net charge-offs | 1,351.8519% | 324 |
| Earnings coverage of net charge-offs (x) | 139.5926% | 777 |
| Efficiency ratio | 80.2856% | 758 |
| Assets per employee ($millions) | 6.7311% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 3,609 |
| Loan loss allowance to noncurrent loans | 373.2157% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 2,380 |
| Noncurrent loans to loans | 0.2604% | 2,334 |
| Net loans and leases to total assets | 69.4600% | 1,531 |
| Net loans and leases to deposits | 77.5268% | 1,756 |
| Net loans and leases to core deposits | 84.6528% | 1,607 |
| Total domestic deposits to total assets | 89.6000% | 1,828 |
| Equity capital to assets | 9.6917% | 1,775 |
| Core capital (leverage) ratio | 10.7426% | 1,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $724,031,500 | 1,287 |
| Average earning assets | $681,150,500 | 1,269 |
| Average equity | $76,180,750 | 1,191 |
| Average total loans | $487,320,500 | 1,199 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0296% | 3,476 |
| Cost of funding earning assets | 0.1724% | 3,285 |
| Net interest margin | 2.8572% | 3,275 |
| Noninterest income to average assets | 0.7310% | 1,234 |
| Noninterest expense to average assets | 2.7380% | 1,300 |
| Loan and lease loss provision to assets | 0.0902% | 1,098 |
| Net operating income to assets | 0.4580% | 3,989 |
| Return on assets (ROA) | 0.4374% | 3,990 |
| Pretax return on assets | 0.5696% | 3,874 |
| Return on Equity (ROE) | 4.0522% | 4,022 |
| Retained earnings to average equity (ytd only) | 4.0522% | 3,061 |
| Net charge-offs to loans | 0.0087% | 1,659 |
| Credit loss provision to net charge-offs | 1,561.9048% | 288 |
| Earnings coverage of net charge-offs (x) | 118.8095% | 742 |
| Efficiency ratio | 79.9679% | 951 |
| Assets per employee ($millions) | 6.9384% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 3,731 |
| Loan loss allowance to noncurrent loans | 370.5521% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 2,460 |
| Noncurrent loans to loans | 0.2616% | 2,430 |
| Net loans and leases to total assets | 67.7457% | 1,498 |
| Net loans and leases to deposits | 75.9441% | 1,688 |
| Net loans and leases to core deposits | 83.2846% | 1,493 |
| Total domestic deposits to total assets | 89.2046% | 2,087 |
| Equity capital to assets | 10.1637% | 1,617 |
| Core capital (leverage) ratio | 10.8699% | 1,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $727,542,667 | 1,281 |
| Average earning assets | $685,695,333 | 1,270 |
| Average equity | $78,524,333 | 1,180 |
| Average total loans | $482,935,000 | 1,200 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9370% | 3,436 |
| Cost of funding earning assets | 0.1656% | 3,288 |
| Net interest margin | 2.7714% | 3,221 |
| Noninterest income to average assets | 0.7482% | 1,175 |
| Noninterest expense to average assets | 2.7663% | 1,223 |
| Loan and lease loss provision to assets | 0.0446% | 1,559 |
| Net operating income to assets | 0.4253% | 3,904 |
| Return on assets (ROA) | 0.6839% | 3,103 |
| Pretax return on assets | 0.8803% | 2,853 |
| Return on Equity (ROE) | 6.1562% | 3,300 |
| Retained earnings to average equity (ytd only) | 6.1562% | 2,193 |
| Net charge-offs to loans | 0.0168% | 1,195 |
| Credit loss provision to net charge-offs | 405.0000% | 581 |
| Earnings coverage of net charge-offs (x) | 54.3000% | 891 |
| Efficiency ratio | 82.2375% | 966 |
| Assets per employee ($millions) | 6.9020% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 3,858 |
| Loan loss allowance to noncurrent loans | 288.3092% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 2,341 |
| Noncurrent loans to loans | 0.3346% | 2,287 |
| Net loans and leases to total assets | 64.3555% | 1,579 |
| Net loans and leases to deposits | 72.5896% | 1,738 |
| Net loans and leases to core deposits | 79.4429% | 1,528 |
| Total domestic deposits to total assets | 88.6566% | 2,228 |
| Equity capital to assets | 10.6948% | 1,492 |
| Core capital (leverage) ratio | 11.1881% | 1,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $727,046,500 | 1,286 |
| Average earning assets | $686,141,500 | 1,270 |
| Average equity | $80,763,500 | 1,187 |
| Average total loans | $475,211,000 | 1,207 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0683% | 3,747 |
| Cost of funding earning assets | 0.2503% | 2,933 |
| Net interest margin | 2.8180% | 3,622 |
| Noninterest income to average assets | 0.7675% | 1,542 |
| Noninterest expense to average assets | 2.9456% | 1,069 |
| Loan and lease loss provision to assets | 0.0260% | 2,539 |
| Net operating income to assets | 0.3528% | 4,343 |
| Return on assets (ROA) | 0.5297% | 4,070 |
| Pretax return on assets | 0.6777% | 3,974 |
| Return on Equity (ROE) | 4.4634% | 4,113 |
| Retained earnings to average equity (ytd only) | 4.4634% | 3,022 |
| Net charge-offs to loans | 0.0013% | 2,618 |
| Credit loss provision to net charge-offs | 3,000.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 553.8333% | 254 |
| Efficiency ratio | 85.9919% | 473 |
| Assets per employee ($millions) | 6.8158% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 3,924 |
| Loan loss allowance to noncurrent loans | 283.1665% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2212% | 2,454 |
| Noncurrent loans to loans | 0.3364% | 2,379 |
| Net loans and leases to total assets | 65.1197% | 1,567 |
| Net loans and leases to deposits | 74.0974% | 1,716 |
| Net loans and leases to core deposits | 81.6211% | 1,487 |
| Total domestic deposits to total assets | 87.8839% | 2,110 |
| Equity capital to assets | 11.5273% | 1,496 |
| Core capital (leverage) ratio | 11.2685% | 1,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $692,532,600 | 1,295 |
| Average earning assets | $653,189,400 | 1,286 |
| Average equity | $82,180,200 | 1,173 |
| Average total loans | $470,456,800 | 1,217 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0861% | 3,845 |
| Cost of funding earning assets | 0.2707% | 2,885 |
| Net interest margin | 2.8154% | 3,749 |
| Noninterest income to average assets | 0.7725% | 1,608 |
| Noninterest expense to average assets | 2.8885% | 1,149 |
| Loan and lease loss provision to assets | 0.0025% | 2,921 |
| Net operating income to assets | 0.4116% | 4,356 |
| Return on assets (ROA) | 0.5000% | 4,249 |
| Pretax return on assets | 0.6473% | 4,162 |
| Return on Equity (ROE) | 4.1820% | 4,274 |
| Retained earnings to average equity (ytd only) | 4.1820% | 3,521 |
| Net charge-offs to loans | 0.0011% | 2,399 |
| Credit loss provision to net charge-offs | 325.0000% | 962 |
| Earnings coverage of net charge-offs (x) | 691.0000% | 232 |
| Efficiency ratio | 84.2999% | 503 |
| Assets per employee ($millions) | 6.6145% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 4,080 |
| Loan loss allowance to noncurrent loans | 272.1598% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 2,647 |
| Noncurrent loans to loans | 0.3405% | 2,564 |
| Net loans and leases to total assets | 65.8642% | 1,566 |
| Net loans and leases to deposits | 75.0261% | 1,759 |
| Net loans and leases to core deposits | 83.2354% | 1,478 |
| Total domestic deposits to total assets | 87.7884% | 1,958 |
| Equity capital to assets | 11.6823% | 1,548 |
| Core capital (leverage) ratio | 11.4157% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $685,046,750 | 1,319 |
| Average earning assets | $645,760,500 | 1,314 |
| Average equity | $81,904,750 | 1,199 |
| Average total loans | $469,321,250 | 1,244 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0834% | 3,903 |
| Cost of funding earning assets | 0.2906% | 2,870 |
| Net interest margin | 2.7928% | 3,803 |
| Noninterest income to average assets | 0.7596% | 1,649 |
| Noninterest expense to average assets | 2.9049% | 1,136 |
| Loan and lease loss provision to assets | 0.0629% | 1,789 |
| Net operating income to assets | 0.3300% | 4,489 |
| Return on assets (ROA) | 0.5231% | 4,214 |
| Pretax return on assets | 0.6666% | 4,135 |
| Return on Equity (ROE) | 4.3407% | 4,265 |
| Retained earnings to average equity (ytd only) | 4.3407% | 3,414 |
| Net charge-offs to loans | 0.0013% | 2,188 |
| Credit loss provision to net charge-offs | 7,100.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 547.6667% | 243 |
| Efficiency ratio | 85.6919% | 486 |
| Assets per employee ($millions) | 6.7142% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 3,953 |
| Loan loss allowance to noncurrent loans | 363.7161% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 3,056 |
| Noncurrent loans to loans | 0.2649% | 2,989 |
| Net loans and leases to total assets | 67.7870% | 1,474 |
| Net loans and leases to deposits | 77.4278% | 1,686 |
| Net loans and leases to core deposits | 85.9253% | 1,424 |
| Total domestic deposits to total assets | 87.5487% | 2,071 |
| Equity capital to assets | 11.9446% | 1,389 |
| Core capital (leverage) ratio | 11.5128% | 1,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $677,477,000 | 1,327 |
| Average earning assets | $638,060,000 | 1,316 |
| Average equity | $81,645,667 | 1,196 |
| Average total loans | $468,922,333 | 1,244 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1248% | 3,841 |
| Cost of funding earning assets | 0.3468% | 2,549 |
| Net interest margin | 2.7780% | 3,814 |
| Noninterest income to average assets | 0.7595% | 1,686 |
| Noninterest expense to average assets | 2.8423% | 1,278 |
| Loan and lease loss provision to assets | 0.0644% | 1,851 |
| Net operating income to assets | 0.3630% | 4,427 |
| Return on assets (ROA) | 0.6491% | 3,887 |
| Pretax return on assets | 0.8293% | 3,760 |
| Return on Equity (ROE) | 5.3619% | 4,014 |
| Retained earnings to average equity (ytd only) | 5.3619% | 3,106 |
| Net charge-offs to loans | 0.0017% | 1,867 |
| Credit loss provision to net charge-offs | 5,400.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 445.5000% | 212 |
| Efficiency ratio | 84.2440% | 585 |
| Assets per employee ($millions) | 6.5626% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 3,984 |
| Loan loss allowance to noncurrent loans | 357.7047% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 3,256 |
| Noncurrent loans to loans | 0.2692% | 3,145 |
| Net loans and leases to total assets | 67.1541% | 1,645 |
| Net loans and leases to deposits | 76.6934% | 1,836 |
| Net loans and leases to core deposits | 85.1453% | 1,581 |
| Total domestic deposits to total assets | 87.5618% | 2,064 |
| Equity capital to assets | 11.9221% | 1,323 |
| Core capital (leverage) ratio | 11.7511% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $670,432,500 | 1,331 |
| Average earning assets | $630,960,500 | 1,321 |
| Average equity | $81,166,000 | 1,196 |
| Average total loans | $466,707,000 | 1,250 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5518% | 3,918 |
| Cost of funding earning assets | 0.6000% | 2,310 |
| Net interest margin | 2.9518% | 4,006 |
| Noninterest income to average assets | 0.9371% | 1,178 |
| Noninterest expense to average assets | 3.0883% | 1,254 |
| Loan and lease loss provision to assets | 0.1334% | 2,692 |
| Net operating income to assets | 0.3783% | 4,289 |
| Return on assets (ROA) | 0.3194% | 4,468 |
| Pretax return on assets | 0.4085% | 4,406 |
| Return on Equity (ROE) | 2.5696% | 4,465 |
| Retained earnings to average equity (ytd only) | 2.5696% | 3,564 |
| Net charge-offs to loans | 0.0023% | 3,322 |
| Credit loss provision to net charge-offs | 7,745.4545% | 137 |
| Earnings coverage of net charge-offs (x) | 357.9091% | 306 |
| Efficiency ratio | 83.3608% | 676 |
| Assets per employee ($millions) | 6.3918% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 4,113 |
| Loan loss allowance to noncurrent loans | 221.7635% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 2,808 |
| Noncurrent loans to loans | 0.4169% | 2,729 |
| Net loans and leases to total assets | 70.8239% | 1,453 |
| Net loans and leases to deposits | 81.3004% | 1,731 |
| Net loans and leases to core deposits | 92.1394% | 1,375 |
| Total domestic deposits to total assets | 87.1138% | 1,883 |
| Equity capital to assets | 12.2977% | 1,421 |
| Core capital (leverage) ratio | 11.7480% | 1,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $638,661,400 | 1,277 |
| Average earning assets | $598,817,800 | 1,266 |
| Average equity | $79,390,600 | 1,167 |
| Average total loans | $488,646,600 | 1,162 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6346% | 3,940 |
| Cost of funding earning assets | 0.6437% | 2,364 |
| Net interest margin | 2.9909% | 3,996 |
| Noninterest income to average assets | 0.8636% | 1,324 |
| Noninterest expense to average assets | 3.0045% | 1,437 |
| Loan and lease loss provision to assets | 0.1363% | 2,652 |
| Net operating income to assets | 0.4113% | 4,241 |
| Return on assets (ROA) | 0.2600% | 4,551 |
| Pretax return on assets | 0.3339% | 4,512 |
| Return on Equity (ROE) | 2.0861% | 4,539 |
| Retained earnings to average equity (ytd only) | 2.0861% | 3,901 |
| Net charge-offs to loans | 0.0022% | 3,117 |
| Credit loss provision to net charge-offs | 8,100.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 393.1250% | 289 |
| Efficiency ratio | 81.9523% | 734 |
| Assets per employee ($millions) | 6.0707% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8471% | 4,233 |
| Loan loss allowance to noncurrent loans | 271.5969% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 3,276 |
| Noncurrent loans to loans | 0.3119% | 3,167 |
| Net loans and leases to total assets | 74.0859% | 1,359 |
| Net loans and leases to deposits | 85.2304% | 1,788 |
| Net loans and leases to core deposits | 97.5493% | 1,341 |
| Total domestic deposits to total assets | 86.9242% | 1,698 |
| Equity capital to assets | 12.2459% | 1,552 |
| Core capital (leverage) ratio | 11.8249% | 1,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $633,737,500 | 1,264 |
| Average earning assets | $593,838,500 | 1,250 |
| Average equity | $78,997,500 | 1,161 |
| Average total loans | $493,152,000 | 1,142 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6776% | 4,132 |
| Cost of funding earning assets | 0.6960% | 2,407 |
| Net interest margin | 2.9816% | 4,168 |
| Noninterest income to average assets | 0.8636% | 1,256 |
| Noninterest expense to average assets | 3.0295% | 1,507 |
| Loan and lease loss provision to assets | 0.1778% | 2,237 |
| Net operating income to assets | 0.4476% | 4,134 |
| Return on assets (ROA) | 0.0227% | 4,781 |
| Pretax return on assets | 0.0227% | 4,774 |
| Return on Equity (ROE) | 0.1807% | 4,785 |
| Retained earnings to average equity (ytd only) | 0.1807% | 4,279 |
| Net charge-offs to loans | 0.0028% | 2,893 |
| Credit loss provision to net charge-offs | 7,957.1429% | 143 |
| Earnings coverage of net charge-offs (x) | 279.8571% | 337 |
| Efficiency ratio | 82.8878% | 704 |
| Assets per employee ($millions) | 5.9097% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8088% | 4,324 |
| Loan loss allowance to noncurrent loans | 321.7116% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 3,558 |
| Noncurrent loans to loans | 0.2514% | 3,478 |
| Net loans and leases to total assets | 76.5912% | 1,056 |
| Net loans and leases to deposits | 88.0089% | 1,555 |
| Net loans and leases to core deposits | 101.1084% | 1,183 |
| Total domestic deposits to total assets | 87.0267% | 1,604 |
| Equity capital to assets | 12.1796% | 1,548 |
| Core capital (leverage) ratio | 11.9350% | 1,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $626,439,667 | 1,258 |
| Average earning assets | $586,466,667 | 1,244 |
| Average equity | $78,567,333 | 1,161 |
| Average total loans | $494,242,667 | 1,124 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9165% | 4,006 |
| Cost of funding earning assets | 0.7684% | 2,552 |
| Net interest margin | 3.1481% | 3,988 |
| Noninterest income to average assets | 0.8135% | 1,272 |
| Noninterest expense to average assets | 3.1609% | 1,506 |
| Loan and lease loss provision to assets | 0.1015% | 2,416 |
| Net operating income to assets | 0.4029% | 4,129 |
| Return on assets (ROA) | -0.6078% | 4,922 |
| Pretax return on assets | -0.7849% | 4,932 |
| Return on Equity (ROE) | -4.7736% | 4,915 |
| Retained earnings to average equity (ytd only) | -4.7736% | 4,505 |
| Net charge-offs to loans | 0.0041% | 2,431 |
| Credit loss provision to net charge-offs | 3,120.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 183.2000% | 369 |
| Efficiency ratio | 84.1330% | 823 |
| Assets per employee ($millions) | 5.6477% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7476% | 4,527 |
| Loan loss allowance to noncurrent loans | 415.0794% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 3,928 |
| Noncurrent loans to loans | 0.1801% | 3,830 |
| Net loans and leases to total assets | 78.9493% | 833 |
| Net loans and leases to deposits | 91.6064% | 1,330 |
| Net loans and leases to core deposits | 106.2658% | 1,043 |
| Total domestic deposits to total assets | 86.1831% | 1,928 |
| Equity capital to assets | 12.6867% | 1,631 |
| Core capital (leverage) ratio | 12.2597% | 1,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $614,627,500 | 1,243 |
| Average earning assets | $574,692,000 | 1,232 |
| Average equity | $78,263,500 | 1,161 |
| Average total loans | $490,388,000 | 1,108 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9449% | 4,357 |
| Cost of funding earning assets | 0.8685% | 2,341 |
| Net interest margin | 3.0763% | 4,404 |
| Noninterest income to average assets | 0.8340% | 1,347 |
| Noninterest expense to average assets | 3.1573% | 1,620 |
| Loan and lease loss provision to assets | -0.0202% | 4,954 |
| Net operating income to assets | 0.4406% | 4,517 |
| Return on assets (ROA) | 0.7669% | 3,736 |
| Pretax return on assets | 0.9906% | 3,480 |
| Return on Equity (ROE) | 6.1970% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.1970% | 1,768 |
| Net charge-offs to loans | 0.0036% | 3,547 |
| Credit loss provision to net charge-offs | -688.8889% | 4,469 |
| Earnings coverage of net charge-offs (x) | 190.3333% | 412 |
| Efficiency ratio | 84.9947% | 603 |
| Assets per employee ($millions) | 5.5284% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7147% | 4,550 |
| Loan loss allowance to noncurrent loans | 195.4343% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 3,265 |
| Noncurrent loans to loans | 0.3657% | 3,141 |
| Net loans and leases to total assets | 79.4572% | 862 |
| Net loans and leases to deposits | 92.9942% | 1,259 |
| Net loans and leases to core deposits | 108.4550% | 947 |
| Total domestic deposits to total assets | 85.4432% | 2,322 |
| Equity capital to assets | 12.7804% | 1,656 |
| Core capital (leverage) ratio | 12.3751% | 1,553 |
| Tier 1 risk-based capital ratio | 20.1808% | 1,301 |
| Total risk-based capital ratio | 21.1249% | 1,310 |
| Memoranda: | ||
| Average total assets | $614,648,200 | 1,202 |
| Average earning assets | $575,560,400 | 1,194 |
| Average equity | $76,069,600 | 1,133 |
| Average total loans | $496,421,400 | 1,083 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9578% | 4,445 |
| Cost of funding earning assets | 0.8725% | 2,358 |
| Net interest margin | 3.0853% | 4,500 |
| Noninterest income to average assets | 0.8333% | 1,322 |
| Noninterest expense to average assets | 3.1163% | 1,678 |
| Loan and lease loss provision to assets | -0.0334% | 5,106 |
| Net operating income to assets | 0.4903% | 4,537 |
| Return on assets (ROA) | 0.5009% | 4,562 |
| Pretax return on assets | 0.6538% | 4,440 |
| Return on Equity (ROE) | 4.0804% | 4,574 |
| Retained earnings to average equity (ytd only) | 4.0804% | 3,359 |
| Net charge-offs to loans | 0.0029% | 3,312 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | 254.3906% | 363 |
| Efficiency ratio | 83.6993% | 633 |
| Assets per employee ($millions) | 5.6446% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7174% | 4,614 |
| Loan loss allowance to noncurrent loans | 178.8205% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.3169% | 3,278 |
| Noncurrent loans to loans | 0.4012% | 3,108 |
| Net loans and leases to total assets | 78.4286% | 1,069 |
| Net loans and leases to deposits | 92.7703% | 1,343 |
| Net loans and leases to core deposits | 108.2644% | 1,038 |
| Total domestic deposits to total assets | 84.5407% | 2,610 |
| Equity capital to assets | 12.6553% | 1,810 |
| Core capital (leverage) ratio | 11.2619% | 2,416 |
| Tier 1 risk-based capital ratio | 18.6353% | 1,653 |
| Total risk-based capital ratio | 20.6233% | 1,455 |
| Memoranda: | ||
| Average total assets | $614,897,250 | 1,202 |
| Average earning assets | $575,967,000 | 1,196 |
| Average equity | $75,480,250 | 1,132 |
| Average total loans | $497,751,500 | 1,086 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9631% | 4,452 |
| Cost of funding earning assets | 0.8570% | 2,367 |
| Net interest margin | 3.1061% | 4,523 |
| Noninterest income to average assets | 0.8120% | 1,309 |
| Noninterest expense to average assets | 3.1127% | 1,696 |
| Loan and lease loss provision to assets | 0.0023% | 3,661 |
| Net operating income to assets | 0.4629% | 4,610 |
| Return on assets (ROA) | 0.4629% | 4,642 |
| Pretax return on assets | 0.6057% | 4,533 |
| Return on Equity (ROE) | 3.8106% | 4,629 |
| Retained earnings to average equity (ytd only) | 3.8106% | 3,345 |
| Net charge-offs to loans | 0.0020% | 3,108 |
| Credit loss provision to net charge-offs | 140.0000% | 1,565 |
| Earnings coverage of net charge-offs (x) | 373.8000% | 211 |
| Efficiency ratio | 83.6583% | 677 |
| Assets per employee ($millions) | 5.6827% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7320% | 4,643 |
| Loan loss allowance to noncurrent loans | 148.6574% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3968% | 2,913 |
| Noncurrent loans to loans | 0.4924% | 2,805 |
| Net loans and leases to total assets | 79.9950% | 882 |
| Net loans and leases to deposits | 95.3334% | 1,112 |
| Net loans and leases to core deposits | 112.8990% | 827 |
| Total domestic deposits to total assets | 83.9108% | 2,904 |
| Equity capital to assets | 12.3170% | 1,968 |
| Core capital (leverage) ratio | 11.0350% | 2,568 |
| Tier 1 risk-based capital ratio | 18.1806% | 1,757 |
| Total risk-based capital ratio | 20.1014% | 1,557 |
| Memoranda: | ||
| Average total assets | $614,776,330 | 1,201 |
| Average earning assets | $575,714,000 | 1,195 |
| Average equity | $74,686,000 | 1,140 |
| Average total loans | $501,659,670 | 1,075 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9624% | 4,452 |
| Cost of funding earning assets | 0.8318% | 2,361 |
| Net interest margin | 3.1306% | 4,530 |
| Noninterest income to average assets | 0.8046% | 1,291 |
| Noninterest expense to average assets | 3.0846% | 1,763 |
| Loan and lease loss provision to assets | 0.0209% | 3,168 |
| Net operating income to assets | 0.4781% | 4,577 |
| Return on assets (ROA) | 0.4781% | 4,602 |
| Pretax return on assets | 0.6289% | 4,460 |
| Return on Equity (ROE) | 3.9630% | 4,581 |
| Retained earnings to average equity (ytd only) | 3.9630% | 3,324 |
| Net charge-offs to loans | 0.0024% | 2,671 |
| Credit loss provision to net charge-offs | 1,066.6667% | 353 |
| Earnings coverage of net charge-offs (x) | 331.6667% | 244 |
| Efficiency ratio | 82.5988% | 821 |
| Assets per employee ($millions) | 5.7505% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7291% | 4,718 |
| Loan loss allowance to noncurrent loans | 140.0685% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 2,899 |
| Noncurrent loans to loans | 0.5205% | 2,754 |
| Net loans and leases to total assets | 80.6977% | 757 |
| Net loans and leases to deposits | 98.8376% | 715 |
| Net loans and leases to core deposits | 115.3002% | 671 |
| Total domestic deposits to total assets | 81.6468% | 3,818 |
| Equity capital to assets | 12.0406% | 1,996 |
| Core capital (leverage) ratio | 10.9955% | 2,578 |
| Tier 1 risk-based capital ratio | 17.4592% | 1,950 |
| Total risk-based capital ratio | 19.2702% | 1,747 |
| Memoranda: | ||
| Average total assets | $612,459,000 | 1,209 |
| Average earning assets | $573,186,500 | 1,201 |
| Average equity | $73,882,500 | 1,148 |
| Average total loans | $502,913,500 | 1,074 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7600% | 4,573 |
| Cost of funding earning assets | 0.6123% | 2,634 |
| Net interest margin | 3.1478% | 4,580 |
| Noninterest income to average assets | 0.8440% | 1,326 |
| Noninterest expense to average assets | 3.1839% | 1,592 |
| Loan and lease loss provision to assets | 0.0308% | 3,573 |
| Net operating income to assets | 0.4341% | 4,800 |
| Return on assets (ROA) | 0.4982% | 4,665 |
| Pretax return on assets | 0.6459% | 4,544 |
| Return on Equity (ROE) | 4.0862% | 4,693 |
| Retained earnings to average equity (ytd only) | 4.0862% | 3,309 |
| Net charge-offs to loans | 0.0023% | 3,663 |
| Credit loss provision to net charge-offs | 1,663.6364% | 257 |
| Earnings coverage of net charge-offs (x) | 321.4545% | 315 |
| Efficiency ratio | 84.2424% | 641 |
| Assets per employee ($millions) | 5.4402% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7290% | 4,735 |
| Loan loss allowance to noncurrent loans | 176.0000% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 3,010 |
| Noncurrent loans to loans | 0.4142% | 3,049 |
| Net loans and leases to total assets | 82.3559% | 609 |
| Net loans and leases to deposits | 101.4755% | 628 |
| Net loans and leases to core deposits | 115.3464% | 715 |
| Total domestic deposits to total assets | 81.1584% | 3,856 |
| Equity capital to assets | 12.0866% | 1,830 |
| Core capital (leverage) ratio | 11.0076% | 2,521 |
| Tier 1 risk-based capital ratio | 17.2565% | 1,969 |
| Total risk-based capital ratio | 18.9431% | 1,799 |
| Memoranda: | ||
| Average total assets | $593,732,000 | 1,214 |
| Average earning assets | $553,694,800 | 1,210 |
| Average equity | $72,389,200 | 1,122 |
| Average total loans | $488,537,000 | 1,069 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7054% | 4,638 |
| Cost of funding earning assets | 0.5744% | 2,667 |
| Net interest margin | 3.1310% | 4,651 |
| Noninterest income to average assets | 0.8556% | 1,318 |
| Noninterest expense to average assets | 3.1975% | 1,525 |
| Loan and lease loss provision to assets | 0.0372% | 3,261 |
| Net operating income to assets | 0.4168% | 4,918 |
| Return on assets (ROA) | 0.5027% | 4,763 |
| Pretax return on assets | 0.6482% | 4,640 |
| Return on Equity (ROE) | 4.1140% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.1140% | 3,717 |
| Net charge-offs to loans | 0.0025% | 3,395 |
| Credit loss provision to net charge-offs | 1,833.3333% | 232 |
| Earnings coverage of net charge-offs (x) | 284.1042% | 320 |
| Efficiency ratio | 84.7206% | 603 |
| Assets per employee ($millions) | 5.4260% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7361% | 4,795 |
| Loan loss allowance to noncurrent loans | 154.0678% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 2,941 |
| Noncurrent loans to loans | 0.4778% | 2,955 |
| Net loans and leases to total assets | 81.4074% | 810 |
| Net loans and leases to deposits | 98.9468% | 865 |
| Net loans and leases to core deposits | 111.6105% | 937 |
| Total domestic deposits to total assets | 82.2739% | 3,533 |
| Equity capital to assets | 12.1945% | 1,773 |
| Core capital (leverage) ratio | 10.9831% | 2,596 |
| Tier 1 risk-based capital ratio | 17.4940% | 1,934 |
| Total risk-based capital ratio | 19.3079% | 1,729 |
| Memoranda: | ||
| Average total assets | $591,199,750 | 1,223 |
| Average earning assets | $551,073,250 | 1,218 |
| Average equity | $72,240,000 | 1,125 |
| Average total loans | $485,429,500 | 1,078 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6572% | 4,673 |
| Cost of funding earning assets | 0.5365% | 2,720 |
| Net interest margin | 3.1206% | 4,688 |
| Noninterest income to average assets | 0.8470% | 1,327 |
| Noninterest expense to average assets | 3.2296% | 1,471 |
| Loan and lease loss provision to assets | 0.0524% | 2,866 |
| Net operating income to assets | 0.3643% | 5,028 |
| Return on assets (ROA) | 0.4940% | 4,763 |
| Pretax return on assets | 0.6376% | 4,668 |
| Return on Equity (ROE) | 4.0396% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.0396% | 3,594 |
| Net charge-offs to loans | 0.0008% | 3,190 |
| Credit loss provision to net charge-offs | 7,700.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 772.5000% | 104 |
| Efficiency ratio | 85.9953% | 568 |
| Assets per employee ($millions) | 5.4674% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7389% | 4,850 |
| Loan loss allowance to noncurrent loans | 117.4644% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 2,681 |
| Noncurrent loans to loans | 0.6290% | 2,536 |
| Net loans and leases to total assets | 81.8740% | 719 |
| Net loans and leases to deposits | 101.3470% | 706 |
| Net loans and leases to core deposits | 111.6641% | 902 |
| Total domestic deposits to total assets | 80.7858% | 4,062 |
| Equity capital to assets | 12.1463% | 1,745 |
| Core capital (leverage) ratio | 11.0259% | 2,500 |
| Tier 1 risk-based capital ratio | 17.3111% | 1,995 |
| Total risk-based capital ratio | 19.0765% | 1,812 |
| Memoranda: | ||
| Average total assets | $587,504,000 | 1,229 |
| Average earning assets | $547,579,000 | 1,225 |
| Average equity | $71,838,000 | 1,131 |
| Average total loans | $482,592,000 | 1,086 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6319% | 4,636 |
| Cost of funding earning assets | 0.5056% | 2,754 |
| Net interest margin | 3.1263% | 4,651 |
| Noninterest income to average assets | 0.8641% | 1,249 |
| Noninterest expense to average assets | 3.1847% | 1,600 |
| Loan and lease loss provision to assets | 0.0610% | 2,557 |
| Net operating income to assets | 0.4149% | 4,901 |
| Return on assets (ROA) | 0.4149% | 4,905 |
| Pretax return on assets | 0.5356% | 4,817 |
| Return on Equity (ROE) | 3.3816% | 4,930 |
| Retained earnings to average equity (ytd only) | 3.3816% | 3,858 |
| Net charge-offs to loans | 0.0025% | 2,650 |
| Credit loss provision to net charge-offs | 2,966.6667% | 136 |
| Earnings coverage of net charge-offs (x) | 290.0000% | 235 |
| Efficiency ratio | 84.2220% | 781 |
| Assets per employee ($millions) | 5.3929% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7384% | 4,947 |
| Loan loss allowance to noncurrent loans | 160.9206% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 3,317 |
| Noncurrent loans to loans | 0.4589% | 3,157 |
| Net loans and leases to total assets | 81.5456% | 718 |
| Net loans and leases to deposits | 98.9709% | 782 |
| Net loans and leases to core deposits | 108.5830% | 1,082 |
| Total domestic deposits to total assets | 82.3934% | 3,843 |
| Equity capital to assets | 12.2740% | 1,620 |
| Core capital (leverage) ratio | 11.1518% | 2,277 |
| Tier 1 risk-based capital ratio | 17.5983% | 1,946 |
| Total risk-based capital ratio | 19.4708% | 1,727 |
| Memoranda: | ||
| Average total assets | $583,284,000 | 1,247 |
| Average earning assets | $544,284,000 | 1,237 |
| Average equity | $71,564,500 | 1,142 |
| Average total loans | $478,110,500 | 1,101 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5468% | 4,699 |
| Cost of funding earning assets | 0.4417% | 2,861 |
| Net interest margin | 3.1051% | 4,683 |
| Noninterest income to average assets | 0.8959% | 1,280 |
| Noninterest expense to average assets | 3.2522% | 1,493 |
| Loan and lease loss provision to assets | 0.0863% | 2,467 |
| Net operating income to assets | 0.3683% | 4,792 |
| Return on assets (ROA) | 0.4605% | 4,521 |
| Pretax return on assets | 0.5649% | 4,814 |
| Return on Equity (ROE) | 3.6963% | 4,604 |
| Retained earnings to average equity (ytd only) | 3.6963% | 3,014 |
| Net charge-offs to loans | 0.0013% | 4,077 |
| Credit loss provision to net charge-offs | 8,033.3333% | 42 |
| Earnings coverage of net charge-offs (x) | 501.3333% | 173 |
| Efficiency ratio | 85.7879% | 656 |
| Assets per employee ($millions) | 5.3096% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7352% | 4,987 |
| Loan loss allowance to noncurrent loans | 179.1967% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 3,523 |
| Noncurrent loans to loans | 0.4103% | 3,298 |
| Net loans and leases to total assets | 81.1811% | 805 |
| Net loans and leases to deposits | 99.4370% | 775 |
| Net loans and leases to core deposits | 108.6644% | 1,085 |
| Total domestic deposits to total assets | 81.6407% | 3,959 |
| Equity capital to assets | 12.2644% | 1,663 |
| Core capital (leverage) ratio | 11.1764% | 2,172 |
| Tier 1 risk-based capital ratio | 18.6777% | 1,597 |
| Total risk-based capital ratio | 20.6615% | 1,406 |
| Memoranda: | ||
| Average total assets | $558,301,000 | 1,267 |
| Average earning assets | $520,530,400 | 1,257 |
| Average equity | $69,555,800 | 1,143 |
| Average total loans | $449,506,200 | 1,129 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5112% | 4,789 |
| Cost of funding earning assets | 0.4212% | 2,977 |
| Net interest margin | 3.0900% | 4,738 |
| Noninterest income to average assets | 0.8980% | 1,275 |
| Noninterest expense to average assets | 3.2651% | 1,422 |
| Loan and lease loss provision to assets | 0.1111% | 1,927 |
| Net operating income to assets | 0.2796% | 5,255 |
| Return on assets (ROA) | 0.3521% | 5,126 |
| Pretax return on assets | 0.5061% | 5,015 |
| Return on Equity (ROE) | 2.8150% | 5,154 |
| Retained earnings to average equity (ytd only) | 2.8150% | 4,226 |
| Net charge-offs to loans | 0.0024% | 3,668 |
| Credit loss provision to net charge-offs | 5,762.5000% | 82 |
| Earnings coverage of net charge-offs (x) | 266.2849% | 336 |
| Efficiency ratio | 86.4077% | 608 |
| Assets per employee ($millions) | 5.0118% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7401% | 5,048 |
| Loan loss allowance to noncurrent loans | 176.0183% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 3,668 |
| Noncurrent loans to loans | 0.4205% | 3,442 |
| Net loans and leases to total assets | 81.1464% | 816 |
| Net loans and leases to deposits | 100.8021% | 690 |
| Net loans and leases to core deposits | 110.1488% | 1,016 |
| Total domestic deposits to total assets | 80.5008% | 4,209 |
| Equity capital to assets | 12.2570% | 1,802 |
| Core capital (leverage) ratio | 11.3779% | 2,119 |
| Tier 1 risk-based capital ratio | 17.9112% | 1,879 |
| Total risk-based capital ratio | 19.8271% | 1,659 |
| Memoranda: | ||
| Average total assets | $553,190,750 | 1,288 |
| Average earning assets | $515,710,250 | 1,279 |
| Average equity | $69,200,000 | 1,158 |
| Average total loans | $443,555,500 | 1,150 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4997% | 4,765 |
| Cost of funding earning assets | 0.4022% | 3,050 |
| Net interest margin | 3.0975% | 4,691 |
| Noninterest income to average assets | 0.9051% | 1,260 |
| Noninterest expense to average assets | 3.3450% | 1,281 |
| Loan and lease loss provision to assets | 0.1228% | 1,686 |
| Net operating income to assets | 0.2309% | 5,349 |
| Return on assets (ROA) | 0.3140% | 5,211 |
| Pretax return on assets | 0.4397% | 5,096 |
| Return on Equity (ROE) | 2.4926% | 5,239 |
| Retained earnings to average equity (ytd only) | 2.4926% | 4,198 |
| Net charge-offs to loans | 0.0023% | 3,431 |
| Credit loss provision to net charge-offs | 6,720.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 243.8000% | 349 |
| Efficiency ratio | 88.2449% | 535 |
| Assets per employee ($millions) | 4.9177% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7478% | 5,089 |
| Loan loss allowance to noncurrent loans | 167.2518% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 3,686 |
| Noncurrent loans to loans | 0.4471% | 3,412 |
| Net loans and leases to total assets | 79.6515% | 999 |
| Net loans and leases to deposits | 97.7311% | 916 |
| Net loans and leases to core deposits | 106.2950% | 1,209 |
| Total domestic deposits to total assets | 81.5007% | 4,047 |
| Equity capital to assets | 12.4770% | 1,635 |
| Core capital (leverage) ratio | 11.5462% | 1,938 |
| Tier 1 risk-based capital ratio | 18.3550% | 1,759 |
| Total risk-based capital ratio | 20.2775% | 1,535 |
| Memoranda: | ||
| Average total assets | $547,141,000 | 1,307 |
| Average earning assets | $509,706,670 | 1,297 |
| Average equity | $68,923,670 | 1,163 |
| Average total loans | $435,714,330 | 1,167 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4875% | 4,727 |
| Cost of funding earning assets | 0.4010% | 2,986 |
| Net interest margin | 3.0865% | 4,693 |
| Noninterest income to average assets | 0.9159% | 1,194 |
| Noninterest expense to average assets | 3.3629% | 1,266 |
| Loan and lease loss provision to assets | 0.0251% | 3,249 |
| Net operating income to assets | 0.2820% | 5,239 |
| Return on assets (ROA) | 0.3382% | 5,126 |
| Pretax return on assets | 0.4834% | 5,001 |
| Return on Equity (ROE) | 2.6718% | 5,187 |
| Retained earnings to average equity (ytd only) | 2.6718% | 4,072 |
| Net charge-offs to loans | 0.0019% | 2,903 |
| Credit loss provision to net charge-offs | 1,700.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 290.5000% | 205 |
| Efficiency ratio | 88.7075% | 621 |
| Assets per employee ($millions) | 4.8467% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6998% | 5,309 |
| Loan loss allowance to noncurrent loans | 173.9828% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 3,920 |
| Noncurrent loans to loans | 0.4022% | 3,653 |
| Net loans and leases to total assets | 78.6569% | 1,035 |
| Net loans and leases to deposits | 95.2681% | 986 |
| Net loans and leases to core deposits | 103.2896% | 1,272 |
| Total domestic deposits to total assets | 82.5638% | 3,987 |
| Equity capital to assets | 12.5958% | 1,465 |
| Core capital (leverage) ratio | 11.6236% | 1,865 |
| Tier 1 risk-based capital ratio | 18.9581% | 1,625 |
| Total risk-based capital ratio | 20.8714% | 1,443 |
| Memoranda: | ||
| Average total assets | $542,860,500 | 1,315 |
| Average earning assets | $505,686,500 | 1,303 |
| Average equity | $68,718,000 | 1,155 |
| Average total loans | $430,591,500 | 1,183 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5060% | 4,762 |
| Cost of funding earning assets | 0.4253% | 2,755 |
| Net interest margin | 3.0807% | 4,776 |
| Noninterest income to average assets | 1.0260% | 1,076 |
| Noninterest expense to average assets | 3.4093% | 1,336 |
| Loan and lease loss provision to assets | -0.0399% | 5,562 |
| Net operating income to assets | 0.3637% | 5,048 |
| Return on assets (ROA) | 0.5760% | 4,420 |
| Pretax return on assets | 0.8418% | 4,042 |
| Return on Equity (ROE) | 4.5551% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.5551% | 2,663 |
| Net charge-offs to loans | -0.0158% | 5,062 |
| Credit loss provision to net charge-offs | 322.7273% | 924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4387% | 721 |
| Assets per employee ($millions) | 4.6786% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7029% | 5,351 |
| Loan loss allowance to noncurrent loans | 170.9732% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 3,973 |
| Noncurrent loans to loans | 0.4111% | 3,674 |
| Net loans and leases to total assets | 78.8703% | 1,065 |
| Net loans and leases to deposits | 96.8568% | 920 |
| Net loans and leases to core deposits | 105.2476% | 1,177 |
| Total domestic deposits to total assets | 81.4298% | 4,223 |
| Equity capital to assets | 12.7223% | 1,384 |
| Core capital (leverage) ratio | 11.5339% | 1,906 |
| Tier 1 risk-based capital ratio | 19.1151% | 1,564 |
| Total risk-based capital ratio | 21.0294% | 1,388 |
| Memoranda: | ||
| Average total assets | $533,715,400 | 1,294 |
| Average earning assets | $497,747,400 | 1,278 |
| Average equity | $67,485,200 | 1,156 |
| Average total loans | $418,625,000 | 1,165 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5092% | 4,779 |
| Cost of funding earning assets | 0.4266% | 2,766 |
| Net interest margin | 3.0827% | 4,820 |
| Noninterest income to average assets | 0.9833% | 1,180 |
| Noninterest expense to average assets | 3.4720% | 1,201 |
| Loan and lease loss provision to assets | -0.0533% | 5,724 |
| Net operating income to assets | 0.2985% | 5,286 |
| Return on assets (ROA) | 0.5392% | 4,646 |
| Pretax return on assets | 0.8000% | 4,310 |
| Return on Equity (ROE) | 4.2709% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.2709% | 3,284 |
| Net charge-offs to loans | -0.0211% | 5,021 |
| Credit loss provision to net charge-offs | 322.7273% | 978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9598% | 562 |
| Assets per employee ($millions) | 4.7288% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7143% | 5,398 |
| Loan loss allowance to noncurrent loans | 169.3348% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 4,083 |
| Noncurrent loans to loans | 0.4218% | 3,768 |
| Net loans and leases to total assets | 77.4554% | 1,290 |
| Net loans and leases to deposits | 95.3556% | 1,115 |
| Net loans and leases to core deposits | 103.3762% | 1,387 |
| Total domestic deposits to total assets | 81.2279% | 4,188 |
| Equity capital to assets | 12.6166% | 1,694 |
| Core capital (leverage) ratio | 11.5167% | 2,017 |
| Tier 1 risk-based capital ratio | 18.9069% | 1,691 |
| Total risk-based capital ratio | 20.8556% | 1,488 |
| Memoranda: | ||
| Average total assets | $532,634,250 | 1,303 |
| Average earning assets | $496,962,250 | 1,283 |
| Average equity | $67,243,750 | 1,169 |
| Average total loans | $416,441,750 | 1,172 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5437% | 4,761 |
| Cost of funding earning assets | 0.4282% | 2,751 |
| Net interest margin | 3.1156% | 4,787 |
| Noninterest income to average assets | 0.9851% | 1,151 |
| Noninterest expense to average assets | 3.4979% | 1,162 |
| Loan and lease loss provision to assets | -0.0999% | 5,876 |
| Net operating income to assets | 0.3262% | 5,247 |
| Return on assets (ROA) | 0.5346% | 4,652 |
| Pretax return on assets | 0.8034% | 4,267 |
| Return on Equity (ROE) | 4.2337% | 4,824 |
| Retained earnings to average equity (ytd only) | 4.2337% | 3,213 |
| Net charge-offs to loans | -0.0323% | 5,158 |
| Credit loss provision to net charge-offs | 395.5224% | 783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9118% | 607 |
| Assets per employee ($millions) | 4.6032% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7123% | 5,491 |
| Loan loss allowance to noncurrent loans | 231.2451% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 4,527 |
| Noncurrent loans to loans | 0.3080% | 4,263 |
| Net loans and leases to total assets | 77.7595% | 1,237 |
| Net loans and leases to deposits | 97.1814% | 949 |
| Net loans and leases to core deposits | 103.5792% | 1,360 |
| Total domestic deposits to total assets | 80.0148% | 4,540 |
| Equity capital to assets | 12.8772% | 1,572 |
| Core capital (leverage) ratio | 11.4406% | 2,032 |
| Tier 1 risk-based capital ratio | 18.6038% | 1,776 |
| Total risk-based capital ratio | 20.6896% | 1,545 |
| Memoranda: | ||
| Average total assets | $530,484,670 | 1,311 |
| Average earning assets | $494,674,330 | 1,293 |
| Average equity | $66,987,000 | 1,174 |
| Average total loans | $415,071,330 | 1,173 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5720% | 4,696 |
| Cost of funding earning assets | 0.4229% | 2,832 |
| Net interest margin | 3.1491% | 4,729 |
| Noninterest income to average assets | 0.9506% | 1,183 |
| Noninterest expense to average assets | 3.4897% | 1,199 |
| Loan and lease loss provision to assets | -0.0158% | 5,902 |
| Net operating income to assets | 0.2874% | 5,337 |
| Return on assets (ROA) | 0.3487% | 5,237 |
| Pretax return on assets | 0.5047% | 5,074 |
| Return on Equity (ROE) | 2.7893% | 5,301 |
| Retained earnings to average equity (ytd only) | 2.7893% | 4,119 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7173% | 689 |
| Assets per employee ($millions) | 4.4987% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7522% | 5,488 |
| Loan loss allowance to noncurrent loans | 311.1332% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 4,817 |
| Noncurrent loans to loans | 0.2417% | 4,563 |
| Net loans and leases to total assets | 77.1489% | 1,230 |
| Net loans and leases to deposits | 96.0323% | 944 |
| Net loans and leases to core deposits | 102.5826% | 1,292 |
| Total domestic deposits to total assets | 80.3364% | 4,673 |
| Equity capital to assets | 12.5305% | 1,663 |
| Core capital (leverage) ratio | 11.3124% | 2,131 |
| Tier 1 risk-based capital ratio | 18.0289% | 1,977 |
| Total risk-based capital ratio | 20.1286% | 1,725 |
| Memoranda: | ||
| Average total assets | $531,041,500 | 1,309 |
| Average earning assets | $495,637,500 | 1,293 |
| Average equity | $66,396,500 | 1,184 |
| Average total loans | $415,312,500 | 1,169 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5471% | 4,813 |
| Cost of funding earning assets | 0.3973% | 3,191 |
| Net interest margin | 3.1498% | 4,780 |
| Noninterest income to average assets | 0.9630% | 1,285 |
| Noninterest expense to average assets | 3.5355% | 1,237 |
| Loan and lease loss provision to assets | 0.0302% | 3,768 |
| Net operating income to assets | 0.2394% | 5,502 |
| Return on assets (ROA) | 0.3962% | 5,140 |
| Pretax return on assets | 0.5467% | 4,999 |
| Return on Equity (ROE) | 3.1243% | 5,266 |
| Retained earnings to average equity (ytd only) | 3.1243% | 3,836 |
| Net charge-offs to loans | 0.0015% | 4,425 |
| Credit loss provision to net charge-offs | 2,583.3333% | 134 |
| Earnings coverage of net charge-offs (x) | 307.3333% | 231 |
| Efficiency ratio | 90.7809% | 645 |
| Assets per employee ($millions) | 4.3532% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7602% | 5,505 |
| Loan loss allowance to noncurrent loans | 311.3636% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 4,830 |
| Noncurrent loans to loans | 0.2442% | 4,557 |
| Net loans and leases to total assets | 78.0903% | 1,106 |
| Net loans and leases to deposits | 95.4201% | 1,076 |
| Net loans and leases to core deposits | 102.1955% | 1,348 |
| Total domestic deposits to total assets | 81.8384% | 4,207 |
| Equity capital to assets | 12.4752% | 1,639 |
| Core capital (leverage) ratio | 11.3595% | 2,079 |
| Tier 1 risk-based capital ratio | 17.2127% | 2,214 |
| Total risk-based capital ratio | 19.1148% | 1,958 |
| Memoranda: | ||
| Average total assets | $513,590,800 | 1,307 |
| Average earning assets | $477,996,400 | 1,292 |
| Average equity | $65,134,200 | 1,162 |
| Average total loans | $396,458,600 | 1,162 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 4,902 |
| Cost of funding earning assets | 0.3958% | 3,262 |
| Net interest margin | 3.1386% | 4,848 |
| Noninterest income to average assets | 0.9665% | 1,273 |
| Noninterest expense to average assets | 3.4943% | 1,295 |
| Loan and lease loss provision to assets | 0.0170% | 3,933 |
| Net operating income to assets | 0.2713% | 5,532 |
| Return on assets (ROA) | 0.4256% | 5,151 |
| Pretax return on assets | 0.5860% | 5,011 |
| Return on Equity (ROE) | 3.3420% | 5,273 |
| Retained earnings to average equity (ytd only) | 3.3420% | 4,096 |
| Net charge-offs to loans | 0.0010% | 4,157 |
| Credit loss provision to net charge-offs | 2,166.6667% | 174 |
| Earnings coverage of net charge-offs (x) | 499.6550% | 144 |
| Efficiency ratio | 89.9213% | 707 |
| Assets per employee ($millions) | 4.1746% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7568% | 5,614 |
| Loan loss allowance to noncurrent loans | 301.5748% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 4,970 |
| Noncurrent loans to loans | 0.2509% | 4,676 |
| Net loans and leases to total assets | 77.0012% | 1,251 |
| Net loans and leases to deposits | 93.9460% | 1,210 |
| Net loans and leases to core deposits | 100.5928% | 1,464 |
| Total domestic deposits to total assets | 81.9633% | 4,177 |
| Equity capital to assets | 12.5394% | 1,727 |
| Core capital (leverage) ratio | 11.2771% | 2,216 |
| Tier 1 risk-based capital ratio | 17.2065% | 2,291 |
| Total risk-based capital ratio | 19.0565% | 2,054 |
| Memoranda: | ||
| Average total assets | $510,302,750 | 1,321 |
| Average earning assets | $474,676,000 | 1,307 |
| Average equity | $64,989,750 | 1,170 |
| Average total loans | $391,951,750 | 1,176 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5136% | 4,950 |
| Cost of funding earning assets | 0.3915% | 3,359 |
| Net interest margin | 3.1221% | 4,909 |
| Noninterest income to average assets | 0.9785% | 1,223 |
| Noninterest expense to average assets | 3.4731% | 1,341 |
| Loan and lease loss provision to assets | 0.0561% | 2,984 |
| Net operating income to assets | 0.2542% | 5,570 |
| Return on assets (ROA) | 0.4044% | 5,230 |
| Pretax return on assets | 0.5584% | 5,078 |
| Return on Equity (ROE) | 3.1584% | 5,357 |
| Retained earnings to average equity (ytd only) | 3.1584% | 4,046 |
| Net charge-offs to loans | 0.0010% | 3,872 |
| Credit loss provision to net charge-offs | 7,100.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 514.0000% | 128 |
| Efficiency ratio | 89.5348% | 789 |
| Assets per employee ($millions) | 4.2253% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7861% | 5,634 |
| Loan loss allowance to noncurrent loans | 66.2450% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 0.9201% | 2,691 |
| Noncurrent loans to loans | 1.1867% | 2,280 |
| Net loans and leases to total assets | 76.9228% | 1,233 |
| Net loans and leases to deposits | 94.3091% | 1,122 |
| Net loans and leases to core deposits | 101.1714% | 1,391 |
| Total domestic deposits to total assets | 81.5646% | 4,430 |
| Equity capital to assets | 12.5789% | 1,611 |
| Core capital (leverage) ratio | 11.4462% | 2,039 |
| Tier 1 risk-based capital ratio | 16.1718% | 2,773 |
| Total risk-based capital ratio | 17.9694% | 2,469 |
| Memoranda: | ||
| Average total assets | $506,464,000 | 1,340 |
| Average earning assets | $470,514,670 | 1,328 |
| Average equity | $64,842,000 | 1,182 |
| Average total loans | $387,645,330 | 1,190 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5547% | 4,814 |
| Cost of funding earning assets | 0.3846% | 3,470 |
| Net interest margin | 3.1701% | 4,714 |
| Noninterest income to average assets | 1.0136% | 1,089 |
| Noninterest expense to average assets | 3.5262% | 1,254 |
| Loan and lease loss provision to assets | 0.0478% | 2,974 |
| Net operating income to assets | 0.2734% | 5,500 |
| Return on assets (ROA) | 0.4375% | 5,039 |
| Pretax return on assets | 0.6136% | 4,880 |
| Return on Equity (ROE) | 3.3867% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.3867% | 3,949 |
| Net charge-offs to loans | -0.0293% | 5,236 |
| Credit loss provision to net charge-offs | -214.2857% | 4,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1239% | 928 |
| Assets per employee ($millions) | 4.0844% | 3,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 5,695 |
| Loan loss allowance to noncurrent loans | 233.9137% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 4,900 |
| Noncurrent loans to loans | 0.3411% | 4,565 |
| Net loans and leases to total assets | 75.8553% | 1,231 |
| Net loans and leases to deposits | 91.9372% | 1,195 |
| Net loans and leases to core deposits | 99.0614% | 1,389 |
| Total domestic deposits to total assets | 82.5077% | 4,352 |
| Equity capital to assets | 12.8288% | 1,499 |
| Core capital (leverage) ratio | 11.4698% | 2,021 |
| Tier 1 risk-based capital ratio | 16.5181% | 2,676 |
| Total risk-based capital ratio | 18.4523% | 2,360 |
| Memoranda: | ||
| Average total assets | $501,950,000 | 1,354 |
| Average earning assets | $465,976,000 | 1,346 |
| Average equity | $64,841,500 | 1,181 |
| Average total loans | $381,631,500 | 1,210 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5386% | 5,231 |
| Cost of funding earning assets | 0.3395% | 4,371 |
| Net interest margin | 3.1991% | 4,921 |
| Noninterest income to average assets | 1.2367% | 793 |
| Noninterest expense to average assets | 3.8611% | 900 |
| Loan and lease loss provision to assets | 0.1156% | 2,242 |
| Net operating income to assets | 0.2022% | 5,756 |
| Return on assets (ROA) | 0.4428% | 5,138 |
| Pretax return on assets | 0.5010% | 5,249 |
| Return on Equity (ROE) | 3.3684% | 5,345 |
| Retained earnings to average equity (ytd only) | 3.3684% | 3,814 |
| Net charge-offs to loans | 0.0532% | 3,767 |
| Credit loss provision to net charge-offs | 297.8610% | 872 |
| Earnings coverage of net charge-offs (x) | 8.8396% | 2,820 |
| Efficiency ratio | 91.8374% | 719 |
| Assets per employee ($millions) | 4.0774% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 5,774 |
| Loan loss allowance to noncurrent loans | 262.8722% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 5,044 |
| Noncurrent loans to loans | 0.3037% | 4,757 |
| Net loans and leases to total assets | 74.9828% | 1,421 |
| Net loans and leases to deposits | 91.5131% | 1,346 |
| Net loans and leases to core deposits | 97.3112% | 1,609 |
| Total domestic deposits to total assets | 81.9366% | 4,443 |
| Equity capital to assets | 13.0087% | 1,371 |
| Core capital (leverage) ratio | 11.6922% | 1,832 |
| Tier 1 risk-based capital ratio | 17.3839% | 2,362 |
| Total risk-based capital ratio | 19.5029% | 2,025 |
| Memoranda: | ||
| Average total assets | $481,673,400 | 1,385 |
| Average earning assets | $446,819,600 | 1,369 |
| Average equity | $63,324,000 | 1,155 |
| Average total loans | $351,617,800 | 1,256 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5392% | 5,296 |
| Cost of funding earning assets | 0.3360% | 4,511 |
| Net interest margin | 3.2033% | 4,958 |
| Noninterest income to average assets | 1.0778% | 1,051 |
| Noninterest expense to average assets | 3.6990% | 1,122 |
| Loan and lease loss provision to assets | 0.1130% | 2,157 |
| Net operating income to assets | 0.1806% | 5,884 |
| Return on assets (ROA) | 0.3798% | 5,403 |
| Pretax return on assets | 0.5038% | 5,315 |
| Return on Equity (ROE) | 2.8814% | 5,580 |
| Retained earnings to average equity (ytd only) | 2.8814% | 4,549 |
| Net charge-offs to loans | 0.0583% | 3,383 |
| Credit loss provision to net charge-offs | 268.2119% | 993 |
| Earnings coverage of net charge-offs (x) | 8.3310% | 2,819 |
| Efficiency ratio | 91.3313% | 751 |
| Assets per employee ($millions) | 4.0110% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 5,878 |
| Loan loss allowance to noncurrent loans | 306.3694% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 5,440 |
| Noncurrent loans to loans | 0.2606% | 5,128 |
| Net loans and leases to total assets | 73.8829% | 1,545 |
| Net loans and leases to deposits | 89.2279% | 1,519 |
| Net loans and leases to core deposits | 93.5965% | 1,907 |
| Total domestic deposits to total assets | 82.8025% | 4,207 |
| Equity capital to assets | 13.0883% | 1,387 |
| Core capital (leverage) ratio | 11.6568% | 1,931 |
| Tier 1 risk-based capital ratio | 18.5590% | 2,031 |
| Total risk-based capital ratio | 20.7098% | 1,760 |
| Memoranda: | ||
| Average total assets | $477,732,500 | 1,412 |
| Average earning assets | $443,285,250 | 1,395 |
| Average equity | $62,977,500 | 1,168 |
| Average total loans | $345,523,750 | 1,279 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5400% | 5,308 |
| Cost of funding earning assets | 0.3356% | 4,578 |
| Net interest margin | 3.2044% | 4,931 |
| Noninterest income to average assets | 1.0989% | 985 |
| Noninterest expense to average assets | 3.7184% | 1,105 |
| Loan and lease loss provision to assets | 0.1132% | 2,138 |
| Net operating income to assets | 0.1816% | 5,887 |
| Return on assets (ROA) | 0.3455% | 5,489 |
| Pretax return on assets | 0.4499% | 5,421 |
| Return on Equity (ROE) | 2.6148% | 5,655 |
| Retained earnings to average equity (ytd only) | 2.6148% | 4,537 |
| Net charge-offs to loans | 0.0006% | 4,367 |
| Credit loss provision to net charge-offs | 26,900.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 832.0000% | 78 |
| Efficiency ratio | 91.3934% | 808 |
| Assets per employee ($millions) | 4.1351% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8279% | 5,910 |
| Loan loss allowance to noncurrent loans | 227.2727% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 5,309 |
| Noncurrent loans to loans | 0.3643% | 4,899 |
| Net loans and leases to total assets | 71.1962% | 1,886 |
| Net loans and leases to deposits | 85.8517% | 1,829 |
| Net loans and leases to core deposits | 89.1258% | 2,200 |
| Total domestic deposits to total assets | 82.9293% | 4,330 |
| Equity capital to assets | 13.0084% | 1,367 |
| Core capital (leverage) ratio | 11.6188% | 1,910 |
| Tier 1 risk-based capital ratio | 18.5240% | 2,058 |
| Total risk-based capital ratio | 20.7790% | 1,767 |
| Memoranda: | ||
| Average total assets | $475,201,330 | 1,411 |
| Average earning assets | $440,397,330 | 1,399 |
| Average equity | $62,796,330 | 1,162 |
| Average total loans | $340,212,000 | 1,291 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5421% | 5,325 |
| Cost of funding earning assets | 0.3274% | 4,764 |
| Net interest margin | 3.2147% | 4,881 |
| Noninterest income to average assets | 1.1006% | 920 |
| Noninterest expense to average assets | 3.7711% | 1,028 |
| Loan and lease loss provision to assets | 0.1800% | 1,338 |
| Net operating income to assets | 0.1158% | 5,994 |
| Return on assets (ROA) | 0.1766% | 5,909 |
| Pretax return on assets | 0.2005% | 5,916 |
| Return on Equity (ROE) | 1.3257% | 5,971 |
| Retained earnings to average equity (ytd only) | 1.3257% | 5,087 |
| Net charge-offs to loans | 0.0012% | 3,650 |
| Credit loss provision to net charge-offs | 21,100.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 365.0000% | 129 |
| Efficiency ratio | 92.3720% | 855 |
| Assets per employee ($millions) | 3.9669% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8381% | 6,026 |
| Loan loss allowance to noncurrent loans | 218.2796% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.2735% | 5,347 |
| Noncurrent loans to loans | 0.3840% | 4,972 |
| Net loans and leases to total assets | 70.6358% | 1,783 |
| Net loans and leases to deposits | 85.3766% | 1,685 |
| Net loans and leases to core deposits | 88.9520% | 2,003 |
| Total domestic deposits to total assets | 82.7344% | 4,697 |
| Equity capital to assets | 13.1599% | 1,228 |
| Core capital (leverage) ratio | 11.8293% | 1,748 |
| Tier 1 risk-based capital ratio | 18.4684% | 2,135 |
| Total risk-based capital ratio | 20.6750% | 1,822 |
| Memoranda: | ||
| Average total assets | $468,829,000 | 1,432 |
| Average earning assets | $434,881,000 | 1,423 |
| Average equity | $62,457,500 | 1,170 |
| Average total loans | $335,168,500 | 1,311 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6226% | 5,352 |
| Cost of funding earning assets | 0.3362% | 5,274 |
| Net interest margin | 3.2864% | 4,716 |
| Noninterest income to average assets | 1.1761% | 1,021 |
| Noninterest expense to average assets | 3.7919% | 1,150 |
| Loan and lease loss provision to assets | -0.0440% | 6,364 |
| Net operating income to assets | 0.3443% | 5,356 |
| Return on assets (ROA) | 0.4859% | 4,933 |
| Pretax return on assets | 0.6612% | 4,660 |
| Return on Equity (ROE) | 3.6702% | 5,252 |
| Retained earnings to average equity (ytd only) | 3.6702% | 3,607 |
| Net charge-offs to loans | 0.0635% | 4,326 |
| Credit loss provision to net charge-offs | -102.5381% | 5,887 |
| Earnings coverage of net charge-offs (x) | 9.8782% | 2,454 |
| Efficiency ratio | 89.5215% | 1,065 |
| Assets per employee ($millions) | 3.7839% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7946% | 6,190 |
| Loan loss allowance to noncurrent loans | 193.2452% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 5,381 |
| Noncurrent loans to loans | 0.4112% | 4,978 |
| Net loans and leases to total assets | 71.1862% | 1,810 |
| Net loans and leases to deposits | 85.2244% | 1,788 |
| Net loans and leases to core deposits | 88.8643% | 2,148 |
| Total domestic deposits to total assets | 83.5279% | 4,351 |
| Equity capital to assets | 13.4892% | 1,075 |
| Core capital (leverage) ratio | 11.9086% | 1,670 |
| Tier 1 risk-based capital ratio | 18.4928% | 2,083 |
| Total risk-based capital ratio | 20.5846% | 1,791 |
| Memoranda: | ||
| Average total assets | $459,586,800 | 1,439 |
| Average earning assets | $425,029,200 | 1,436 |
| Average equity | $60,841,400 | 1,183 |
| Average total loans | $310,475,400 | 1,365 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5945% | 5,452 |
| Cost of funding earning assets | 0.3350% | 5,432 |
| Net interest margin | 3.2595% | 4,796 |
| Noninterest income to average assets | 1.1847% | 1,045 |
| Noninterest expense to average assets | 3.7631% | 1,137 |
| Loan and lease loss provision to assets | -0.0836% | 6,603 |
| Net operating income to assets | 0.3652% | 5,386 |
| Return on assets (ROA) | 0.4618% | 5,115 |
| Pretax return on assets | 0.6555% | 4,837 |
| Return on Equity (ROE) | 3.5050% | 5,429 |
| Retained earnings to average equity (ytd only) | 3.5050% | 4,196 |
| Net charge-offs to loans | 0.0812% | 3,793 |
| Credit loss provision to net charge-offs | -154.8387% | 5,849 |
| Earnings coverage of net charge-offs (x) | 8.0324% | 2,687 |
| Efficiency ratio | 89.0803% | 1,080 |
| Assets per employee ($millions) | 3.8323% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7983% | 6,289 |
| Loan loss allowance to noncurrent loans | 144.2188% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 5,075 |
| Noncurrent loans to loans | 0.5536% | 4,813 |
| Net loans and leases to total assets | 69.0918% | 2,124 |
| Net loans and leases to deposits | 82.5064% | 2,072 |
| Net loans and leases to core deposits | 86.5172% | 2,346 |
| Total domestic deposits to total assets | 83.7411% | 4,298 |
| Equity capital to assets | 13.3201% | 1,193 |
| Core capital (leverage) ratio | 11.9294% | 1,715 |
| Tier 1 risk-based capital ratio | 17.3924% | 2,545 |
| Total risk-based capital ratio | 19.2388% | 2,292 |
| Memoranda: | ||
| Average total assets | $459,074,500 | 1,446 |
| Average earning assets | $424,265,000 | 1,444 |
| Average equity | $60,484,000 | 1,199 |
| Average total loans | $305,281,000 | 1,388 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6324% | 5,344 |
| Cost of funding earning assets | 0.3434% | 5,461 |
| Net interest margin | 3.2890% | 4,627 |
| Noninterest income to average assets | 1.1835% | 1,085 |
| Noninterest expense to average assets | 3.7406% | 1,182 |
| Loan and lease loss provision to assets | -0.0632% | 6,660 |
| Net operating income to assets | 0.3745% | 5,310 |
| Return on assets (ROA) | 0.4560% | 5,160 |
| Pretax return on assets | 0.6595% | 4,816 |
| Return on Equity (ROE) | 3.4735% | 5,437 |
| Retained earnings to average equity (ytd only) | 3.4735% | 4,105 |
| Net charge-offs to loans | 0.1226% | 3,148 |
| Credit loss provision to net charge-offs | -78.8043% | 5,584 |
| Earnings coverage of net charge-offs (x) | 5.9620% | 2,797 |
| Efficiency ratio | 87.7971% | 1,238 |
| Assets per employee ($millions) | 3.7386% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 6,164 |
| Loan loss allowance to noncurrent loans | 135.0325% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.5049% | 5,004 |
| Noncurrent loans to loans | 0.6585% | 4,623 |
| Net loans and leases to total assets | 66.0290% | 2,584 |
| Net loans and leases to deposits | 76.7577% | 2,762 |
| Net loans and leases to core deposits | 80.4654% | 2,980 |
| Total domestic deposits to total assets | 86.0227% | 3,351 |
| Equity capital to assets | 13.3060% | 1,218 |
| Core capital (leverage) ratio | 11.7582% | 1,760 |
| Tier 1 risk-based capital ratio | 17.3874% | 2,559 |
| Total risk-based capital ratio | 19.2878% | 2,269 |
| Memoranda: | ||
| Average total assets | $458,806,670 | 1,445 |
| Average earning assets | $423,409,000 | 1,447 |
| Average equity | $60,226,670 | 1,210 |
| Average total loans | $300,276,330 | 1,404 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6505% | 5,304 |
| Cost of funding earning assets | 0.3553% | 5,478 |
| Net interest margin | 3.2952% | 4,535 |
| Noninterest income to average assets | 1.1544% | 1,127 |
| Noninterest expense to average assets | 3.7135% | 1,226 |
| Loan and lease loss provision to assets | 0.0861% | 3,226 |
| Net operating income to assets | 0.2833% | 5,614 |
| Return on assets (ROA) | 0.3434% | 5,533 |
| Pretax return on assets | 0.4772% | 5,333 |
| Return on Equity (ROE) | 2.6336% | 5,729 |
| Retained earnings to average equity (ytd only) | 2.6336% | 4,705 |
| Net charge-offs to loans | 0.0107% | 3,931 |
| Credit loss provision to net charge-offs | 1,237.5000% | 261 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 518 |
| Efficiency ratio | 87.2512% | 1,393 |
| Assets per employee ($millions) | 3.7961% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 5,847 |
| Loan loss allowance to noncurrent loans | 64.3313% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.0479% | 3,841 |
| Noncurrent loans to loans | 1.6125% | 3,122 |
| Net loans and leases to total assets | 64.3109% | 2,645 |
| Net loans and leases to deposits | 74.5813% | 2,841 |
| Net loans and leases to core deposits | 78.7021% | 2,970 |
| Total domestic deposits to total assets | 86.2293% | 3,399 |
| Equity capital to assets | 13.1215% | 1,377 |
| Core capital (leverage) ratio | 11.6302% | 1,799 |
| Tier 1 risk-based capital ratio | 17.2996% | 2,645 |
| Total risk-based capital ratio | 19.3356% | 2,295 |
| Memoranda: | ||
| Average total assets | $460,155,000 | 1,459 |
| Average earning assets | $424,381,000 | 1,453 |
| Average equity | $59,995,000 | 1,226 |
| Average total loans | $298,481,000 | 1,418 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 5,858 |
| Cost of funding earning assets | 0.4428% | 5,638 |
| Net interest margin | 3.3439% | 5,095 |
| Noninterest income to average assets | 1.2714% | 957 |
| Noninterest expense to average assets | 3.6783% | 1,459 |
| Loan and lease loss provision to assets | 0.1426% | 3,823 |
| Net operating income to assets | 0.4030% | 5,094 |
| Return on assets (ROA) | 0.4676% | 5,064 |
| Pretax return on assets | 0.6200% | 4,927 |
| Return on Equity (ROE) | 3.6387% | 5,296 |
| Retained earnings to average equity (ytd only) | 3.6387% | 3,650 |
| Net charge-offs to loans | 0.0458% | 5,270 |
| Credit loss provision to net charge-offs | 515.2000% | 470 |
| Earnings coverage of net charge-offs (x) | 24.4400% | 1,176 |
| Efficiency ratio | 83.1452% | 1,725 |
| Assets per employee ($millions) | 3.8419% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 5,882 |
| Loan loss allowance to noncurrent loans | 61.1829% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 1.0836% | 3,849 |
| Noncurrent loans to loans | 1.6737% | 3,111 |
| Net loans and leases to total assets | 64.0811% | 2,884 |
| Net loans and leases to deposits | 74.0999% | 3,074 |
| Net loans and leases to core deposits | 78.2260% | 3,226 |
| Total domestic deposits to total assets | 86.4794% | 3,109 |
| Equity capital to assets | 12.9535% | 1,472 |
| Core capital (leverage) ratio | 11.5671% | 1,830 |
| Tier 1 risk-based capital ratio | 17.3431% | 2,506 |
| Total risk-based capital ratio | 19.0940% | 2,292 |
| Memoranda: | ||
| Average total assets | $451,643,600 | 1,462 |
| Average earning assets | $416,465,600 | 1,449 |
| Average equity | $58,042,600 | 1,224 |
| Average total loans | $273,198,000 | 1,520 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7984% | 6,033 |
| Cost of funding earning assets | 0.4577% | 5,737 |
| Net interest margin | 3.3407% | 5,245 |
| Noninterest income to average assets | 1.2206% | 1,000 |
| Noninterest expense to average assets | 3.6713% | 1,412 |
| Loan and lease loss provision to assets | 0.1374% | 3,829 |
| Net operating income to assets | 0.3489% | 5,435 |
| Return on assets (ROA) | 0.4309% | 5,352 |
| Pretax return on assets | 0.6073% | 5,143 |
| Return on Equity (ROE) | 3.3593% | 5,548 |
| Retained earnings to average equity (ytd only) | 3.3593% | 4,506 |
| Net charge-offs to loans | 0.0573% | 4,855 |
| Credit loss provision to net charge-offs | 403.4783% | 666 |
| Earnings coverage of net charge-offs (x) | 18.4782% | 1,558 |
| Efficiency ratio | 84.0116% | 1,585 |
| Assets per employee ($millions) | 3.8863% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 6,025 |
| Loan loss allowance to noncurrent loans | 59.6912% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 1.0452% | 4,208 |
| Noncurrent loans to loans | 1.6999% | 3,235 |
| Net loans and leases to total assets | 60.8609% | 3,596 |
| Net loans and leases to deposits | 70.3445% | 3,849 |
| Net loans and leases to core deposits | 74.3276% | 3,935 |
| Total domestic deposits to total assets | 86.5184% | 2,971 |
| Equity capital to assets | 12.8542% | 1,677 |
| Core capital (leverage) ratio | 11.4035% | 2,054 |
| Tier 1 risk-based capital ratio | 17.7206% | 2,453 |
| Total risk-based capital ratio | 19.5333% | 2,215 |
| Memoranda: | ||
| Average total assets | $450,258,750 | 1,476 |
| Average earning assets | $415,117,250 | 1,467 |
| Average equity | $57,748,000 | 1,231 |
| Average total loans | $267,497,750 | 1,559 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8220% | 6,092 |
| Cost of funding earning assets | 0.4743% | 5,800 |
| Net interest margin | 3.3477% | 5,280 |
| Noninterest income to average assets | 1.2416% | 927 |
| Noninterest expense to average assets | 3.7619% | 1,272 |
| Loan and lease loss provision to assets | 0.1779% | 3,315 |
| Net operating income to assets | 0.2878% | 5,660 |
| Return on assets (ROA) | 0.3589% | 5,608 |
| Pretax return on assets | 0.4787% | 5,498 |
| Return on Equity (ROE) | 2.8004% | 5,763 |
| Retained earnings to average equity (ytd only) | 2.8004% | 4,759 |
| Net charge-offs to loans | 0.0868% | 4,283 |
| Credit loss provision to net charge-offs | 349.1228% | 838 |
| Earnings coverage of net charge-offs (x) | 11.0263% | 1,999 |
| Efficiency ratio | 85.6523% | 1,466 |
| Assets per employee ($millions) | 3.8801% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 6,091 |
| Loan loss allowance to noncurrent loans | 61.8447% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 0.9959% | 4,382 |
| Noncurrent loans to loans | 1.6415% | 3,446 |
| Net loans and leases to total assets | 60.0530% | 3,807 |
| Net loans and leases to deposits | 69.1942% | 4,011 |
| Net loans and leases to core deposits | 73.1158% | 4,151 |
| Total domestic deposits to total assets | 86.7889% | 2,897 |
| Equity capital to assets | 12.7500% | 1,657 |
| Core capital (leverage) ratio | 11.4015% | 1,971 |
| Tier 1 risk-based capital ratio | 17.7436% | 2,382 |
| Total risk-based capital ratio | 19.5401% | 2,166 |
| Memoranda: | ||
| Average total assets | $447,482,330 | 1,491 |
| Average earning assets | $411,984,000 | 1,476 |
| Average equity | $57,348,000 | 1,237 |
| Average total loans | $262,676,330 | 1,588 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7821% | 6,286 |
| Cost of funding earning assets | 0.4916% | 5,868 |
| Net interest margin | 3.2905% | 5,504 |
| Noninterest income to average assets | 1.2219% | 963 |
| Noninterest expense to average assets | 3.8214% | 1,182 |
| Loan and lease loss provision to assets | 0.1090% | 3,992 |
| Net operating income to assets | 0.2529% | 5,807 |
| Return on assets (ROA) | 0.2746% | 5,900 |
| Pretax return on assets | 0.3512% | 5,851 |
| Return on Equity (ROE) | 2.1373% | 6,025 |
| Retained earnings to average equity (ytd only) | 2.1373% | 5,192 |
| Net charge-offs to loans | 0.1795% | 3,022 |
| Credit loss provision to net charge-offs | 105.2174% | 2,200 |
| Earnings coverage of net charge-offs (x) | 4.1739% | 2,646 |
| Efficiency ratio | 88.4420% | 1,228 |
| Assets per employee ($millions) | 3.7688% | 4,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 6,390 |
| Loan loss allowance to noncurrent loans | 56.9040% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 1.0910% | 4,311 |
| Noncurrent loans to loans | 1.6874% | 3,580 |
| Net loans and leases to total assets | 58.4028% | 3,971 |
| Net loans and leases to deposits | 67.4068% | 4,161 |
| Net loans and leases to core deposits | 72.2699% | 4,107 |
| Total domestic deposits to total assets | 86.6424% | 3,156 |
| Equity capital to assets | 12.9050% | 1,484 |
| Core capital (leverage) ratio | 11.4991% | 1,892 |
| Tier 1 risk-based capital ratio | 18.0896% | 2,252 |
| Total risk-based capital ratio | 19.7964% | 2,098 |
| Memoranda: | ||
| Average total assets | $444,235,500 | 1,498 |
| Average earning assets | $409,294,000 | 1,485 |
| Average equity | $57,081,000 | 1,240 |
| Average total loans | $256,303,500 | 1,625 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9106% | 6,600 |
| Cost of funding earning assets | 0.6606% | 5,764 |
| Net interest margin | 3.2500% | 5,960 |
| Noninterest income to average assets | 1.1462% | 994 |
| Noninterest expense to average assets | 3.8751% | 1,220 |
| Loan and lease loss provision to assets | 0.1329% | 4,951 |
| Net operating income to assets | 0.1260% | 5,804 |
| Return on assets (ROA) | 0.1432% | 5,893 |
| Pretax return on assets | 0.1459% | 5,894 |
| Return on Equity (ROE) | 1.1194% | 5,937 |
| Retained earnings to average equity (ytd only) | 1.1194% | 5,332 |
| Net charge-offs to loans | 0.0178% | 6,191 |
| Credit loss provision to net charge-offs | 1,388.0952% | 159 |
| Earnings coverage of net charge-offs (x) | 27.2857% | 915 |
| Efficiency ratio | 92.1958% | 1,031 |
| Assets per employee ($millions) | 3.8926% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 6,208 |
| Loan loss allowance to noncurrent loans | 47.8932% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 1.1820% | 4,270 |
| Noncurrent loans to loans | 2.0949% | 3,074 |
| Net loans and leases to total assets | 55.8530% | 4,734 |
| Net loans and leases to deposits | 64.3753% | 4,954 |
| Net loans and leases to core deposits | 68.9875% | 4,904 |
| Total domestic deposits to total assets | 86.7615% | 2,891 |
| Equity capital to assets | 12.7935% | 1,604 |
| Core capital (leverage) ratio | 11.2784% | 2,059 |
| Tier 1 risk-based capital ratio | 18.5197% | 2,042 |
| Total risk-based capital ratio | 20.2292% | 1,861 |
| Memoranda: | ||
| Average total assets | $438,648,400 | 1,488 |
| Average earning assets | $403,566,400 | 1,475 |
| Average equity | $56,100,800 | 1,213 |
| Average total loans | $236,296,600 | 1,775 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9065% | 6,718 |
| Cost of funding earning assets | 0.6970% | 5,790 |
| Net interest margin | 3.2095% | 6,138 |
| Noninterest income to average assets | 1.1450% | 1,003 |
| Noninterest expense to average assets | 3.9593% | 1,052 |
| Loan and lease loss provision to assets | 0.0719% | 5,556 |
| Net operating income to assets | 0.0620% | 6,043 |
| Return on assets (ROA) | 0.0875% | 6,106 |
| Pretax return on assets | 0.0930% | 6,110 |
| Return on Equity (ROE) | 0.6841% | 6,134 |
| Retained earnings to average equity (ytd only) | 0.6841% | 5,743 |
| Net charge-offs to loans | 0.0212% | 5,857 |
| Credit loss provision to net charge-offs | 637.8378% | 427 |
| Earnings coverage of net charge-offs (x) | 12.2167% | 1,729 |
| Efficiency ratio | 95.1190% | 861 |
| Assets per employee ($millions) | 3.9300% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 6,592 |
| Loan loss allowance to noncurrent loans | 49.9885% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 0.9775% | 4,791 |
| Noncurrent loans to loans | 1.8015% | 3,639 |
| Net loans and leases to total assets | 53.7724% | 5,198 |
| Net loans and leases to deposits | 61.7886% | 5,430 |
| Net loans and leases to core deposits | 64.9178% | 5,530 |
| Total domestic deposits to total assets | 87.0265% | 2,641 |
| Equity capital to assets | 12.5096% | 1,913 |
| Core capital (leverage) ratio | 11.2174% | 2,220 |
| Tier 1 risk-based capital ratio | 18.7105% | 2,025 |
| Total risk-based capital ratio | 20.0705% | 1,949 |
| Memoranda: | ||
| Average total assets | $437,371,000 | 1,504 |
| Average earning assets | $402,293,500 | 1,497 |
| Average equity | $55,933,000 | 1,217 |
| Average total loans | $232,779,750 | 1,805 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9245% | 6,774 |
| Cost of funding earning assets | 0.7340% | 5,760 |
| Net interest margin | 3.1905% | 6,190 |
| Noninterest income to average assets | 1.1771% | 923 |
| Noninterest expense to average assets | 3.8347% | 1,302 |
| Loan and lease loss provision to assets | 0.0354% | 5,872 |
| Net operating income to assets | 0.1855% | 5,792 |
| Return on assets (ROA) | 0.2142% | 5,808 |
| Pretax return on assets | 0.2772% | 5,721 |
| Return on Equity (ROE) | 1.6625% | 5,898 |
| Retained earnings to average equity (ytd only) | 1.6625% | 5,160 |
| Net charge-offs to loans | 0.0139% | 5,649 |
| Credit loss provision to net charge-offs | 481.2500% | 642 |
| Earnings coverage of net charge-offs (x) | 37.4375% | 780 |
| Efficiency ratio | 91.7804% | 1,106 |
| Assets per employee ($millions) | 3.9745% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8802% | 6,711 |
| Loan loss allowance to noncurrent loans | 51.2872% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 0.8901% | 5,093 |
| Noncurrent loans to loans | 1.7162% | 3,864 |
| Net loans and leases to total assets | 51.4040% | 5,645 |
| Net loans and leases to deposits | 59.1795% | 5,806 |
| Net loans and leases to core deposits | 61.5844% | 5,933 |
| Total domestic deposits to total assets | 86.8613% | 2,811 |
| Equity capital to assets | 12.7106% | 1,669 |
| Core capital (leverage) ratio | 11.3104% | 2,044 |
| Tier 1 risk-based capital ratio | 19.3387% | 1,752 |
| Total risk-based capital ratio | 20.8372% | 1,665 |
| Memoranda: | ||
| Average total assets | $435,131,330 | 1,520 |
| Average earning assets | $400,004,000 | 1,516 |
| Average equity | $56,059,330 | 1,194 |
| Average total loans | $230,050,330 | 1,845 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9496% | 6,765 |
| Cost of funding earning assets | 0.7545% | 5,832 |
| Net interest margin | 3.1951% | 6,083 |
| Noninterest income to average assets | 1.1876% | 914 |
| Noninterest expense to average assets | 3.7589% | 1,420 |
| Loan and lease loss provision to assets | 0.0307% | 5,583 |
| Net operating income to assets | 0.2468% | 5,626 |
| Return on assets (ROA) | 0.2743% | 5,583 |
| Pretax return on assets | 0.3692% | 5,440 |
| Return on Equity (ROE) | 2.1147% | 5,744 |
| Retained earnings to average equity (ytd only) | 2.1147% | 4,871 |
| Net charge-offs to loans | 0.0226% | 4,766 |
| Credit loss provision to net charge-offs | 253.8462% | 1,228 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 829 |
| Efficiency ratio | 89.6661% | 1,363 |
| Assets per employee ($millions) | 3.8607% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8699% | 6,774 |
| Loan loss allowance to noncurrent loans | 47.2697% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 4,972 |
| Noncurrent loans to loans | 1.8403% | 3,774 |
| Net loans and leases to total assets | 52.0073% | 5,585 |
| Net loans and leases to deposits | 59.9718% | 5,731 |
| Net loans and leases to core deposits | 62.4267% | 5,886 |
| Total domestic deposits to total assets | 86.7196% | 3,111 |
| Equity capital to assets | 12.8413% | 1,454 |
| Core capital (leverage) ratio | 11.6659% | 1,761 |
| Tier 1 risk-based capital ratio | 19.8344% | 1,621 |
| Total risk-based capital ratio | 21.3072% | 1,540 |
| Memoranda: | ||
| Average total assets | $430,126,000 | 1,545 |
| Average earning assets | $394,974,000 | 1,540 |
| Average equity | $55,799,000 | 1,184 |
| Average total loans | $229,649,000 | 1,864 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 6,582 |
| Cost of funding earning assets | 0.9415% | 5,972 |
| Net interest margin | 3.4774% | 5,333 |
| Noninterest income to average assets | 1.1857% | 1,057 |
| Noninterest expense to average assets | 3.8479% | 1,394 |
| Loan and lease loss provision to assets | 0.0575% | 6,562 |
| Net operating income to assets | 0.3399% | 4,791 |
| Return on assets (ROA) | 0.3403% | 4,948 |
| Pretax return on assets | 0.4653% | 4,745 |
| Return on Equity (ROE) | 2.6466% | 5,113 |
| Retained earnings to average equity (ytd only) | 2.6466% | 4,007 |
| Net charge-offs to loans | 0.0337% | 6,466 |
| Credit loss provision to net charge-offs | 301.2346% | 888 |
| Earnings coverage of net charge-offs (x) | 27.3457% | 797 |
| Efficiency ratio | 86.5260% | 1,629 |
| Assets per employee ($millions) | 3.7192% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 6,843 |
| Loan loss allowance to noncurrent loans | 77.9668% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6847% | 5,636 |
| Noncurrent loans to loans | 1.0971% | 4,906 |
| Net loans and leases to total assets | 53.8805% | 5,644 |
| Net loans and leases to deposits | 62.5541% | 5,786 |
| Net loans and leases to core deposits | 65.3233% | 5,943 |
| Total domestic deposits to total assets | 86.1342% | 3,284 |
| Equity capital to assets | 13.1080% | 1,344 |
| Core capital (leverage) ratio | 11.6698% | 1,746 |
| Tier 1 risk-based capital ratio | 19.6527% | 1,567 |
| Total risk-based capital ratio | 21.0095% | 1,508 |
| Memoranda: | ||
| Average total assets | $424,053,600 | 1,569 |
| Average earning assets | $388,334,800 | 1,553 |
| Average equity | $54,522,800 | 1,225 |
| Average total loans | $240,502,800 | 1,814 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4908% | 6,625 |
| Cost of funding earning assets | 0.9741% | 6,065 |
| Net interest margin | 3.5166% | 5,225 |
| Noninterest income to average assets | 1.2023% | 963 |
| Noninterest expense to average assets | 3.8905% | 1,217 |
| Loan and lease loss provision to assets | 0.0544% | 6,526 |
| Net operating income to assets | 0.3582% | 4,937 |
| Return on assets (ROA) | 0.3330% | 5,206 |
| Pretax return on assets | 0.4449% | 5,100 |
| Return on Equity (ROE) | 2.6022% | 5,389 |
| Retained earnings to average equity (ytd only) | 2.6022% | 4,598 |
| Net charge-offs to loans | 0.0379% | 6,181 |
| Credit loss provision to net charge-offs | 250.7246% | 1,325 |
| Earnings coverage of net charge-offs (x) | 24.5646% | 1,022 |
| Efficiency ratio | 86.4383% | 1,587 |
| Assets per employee ($millions) | 3.7842% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7920% | 7,023 |
| Loan loss allowance to noncurrent loans | 71.7987% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.7247% | 5,662 |
| Noncurrent loans to loans | 1.1031% | 5,037 |
| Net loans and leases to total assets | 56.0081% | 5,547 |
| Net loans and leases to deposits | 64.9756% | 5,791 |
| Net loans and leases to core deposits | 67.7038% | 5,975 |
| Total domestic deposits to total assets | 86.1986% | 2,976 |
| Equity capital to assets | 12.9829% | 1,579 |
| Core capital (leverage) ratio | 11.5795% | 1,896 |
| Tier 1 risk-based capital ratio | 18.7570% | 1,805 |
| Total risk-based capital ratio | 19.9845% | 1,782 |
| Memoranda: | ||
| Average total assets | $424,068,500 | 1,594 |
| Average earning assets | $388,432,250 | 1,574 |
| Average equity | $54,259,250 | 1,232 |
| Average total loans | $243,023,250 | 1,822 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5465% | 6,600 |
| Cost of funding earning assets | 1.0114% | 6,090 |
| Net interest margin | 3.5351% | 5,109 |
| Noninterest income to average assets | 1.2363% | 851 |
| Noninterest expense to average assets | 3.9429% | 1,109 |
| Loan and lease loss provision to assets | 0.0899% | 6,028 |
| Net operating income to assets | 0.3288% | 5,070 |
| Return on assets (ROA) | 0.3221% | 5,265 |
| Pretax return on assets | 0.4294% | 5,124 |
| Return on Equity (ROE) | 2.5297% | 5,450 |
| Retained earnings to average equity (ytd only) | 2.5297% | 4,545 |
| Net charge-offs to loans | 0.0131% | 6,158 |
| Credit loss provision to net charge-offs | 1,187.5000% | 327 |
| Earnings coverage of net charge-offs (x) | 69.8125% | 450 |
| Efficiency ratio | 86.6829% | 1,633 |
| Assets per employee ($millions) | 3.7715% | 4,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 7,018 |
| Loan loss allowance to noncurrent loans | 75.0473% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7295% | 5,669 |
| Noncurrent loans to loans | 1.0757% | 5,164 |
| Net loans and leases to total assets | 57.1454% | 5,540 |
| Net loans and leases to deposits | 66.0157% | 5,803 |
| Net loans and leases to core deposits | 69.0987% | 5,962 |
| Total domestic deposits to total assets | 86.5634% | 2,783 |
| Equity capital to assets | 12.6816% | 1,692 |
| Core capital (leverage) ratio | 11.4701% | 1,930 |
| Tier 1 risk-based capital ratio | 18.4857% | 1,837 |
| Total risk-based capital ratio | 19.4623% | 1,866 |
| Memoranda: | ||
| Average total assets | $422,885,670 | 1,614 |
| Average earning assets | $386,978,000 | 1,599 |
| Average equity | $53,840,000 | 1,233 |
| Average total loans | $243,560,330 | 1,847 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 6,552 |
| Cost of funding earning assets | 1.0373% | 6,185 |
| Net interest margin | 3.5667% | 4,873 |
| Noninterest income to average assets | 1.1756% | 886 |
| Noninterest expense to average assets | 3.9692% | 1,077 |
| Loan and lease loss provision to assets | 0.0807% | 5,834 |
| Net operating income to assets | 0.2918% | 5,327 |
| Return on assets (ROA) | 0.2782% | 5,510 |
| Pretax return on assets | 0.3694% | 5,384 |
| Return on Equity (ROE) | 2.1810% | 5,691 |
| Retained earnings to average equity (ytd only) | 2.1810% | 4,829 |
| Net charge-offs to loans | 0.0082% | 5,476 |
| Credit loss provision to net charge-offs | 1,700.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 98.6000% | 324 |
| Efficiency ratio | 87.9307% | 1,591 |
| Assets per employee ($millions) | 3.7316% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7703% | 7,201 |
| Loan loss allowance to noncurrent loans | 59.1664% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 5,435 |
| Noncurrent loans to loans | 1.3020% | 4,801 |
| Net loans and leases to total assets | 57.1700% | 5,577 |
| Net loans and leases to deposits | 66.0294% | 5,817 |
| Net loans and leases to core deposits | 68.9690% | 6,006 |
| Total domestic deposits to total assets | 86.5827% | 2,857 |
| Equity capital to assets | 12.6985% | 1,657 |
| Core capital (leverage) ratio | 11.6194% | 1,846 |
| Tier 1 risk-based capital ratio | 18.2025% | 1,897 |
| Total risk-based capital ratio | 19.2920% | 1,908 |
| Memoranda: | ||
| Average total assets | $421,239,500 | 1,655 |
| Average earning assets | $385,229,500 | 1,646 |
| Average equity | $53,737,000 | 1,243 |
| Average total loans | $242,579,000 | 1,906 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 7,017 |
| Cost of funding earning assets | 1.4779% | 5,600 |
| Net interest margin | 3.2872% | 5,792 |
| Noninterest income to average assets | 1.1547% | 1,156 |
| Noninterest expense to average assets | 4.0585% | 1,291 |
| Loan and lease loss provision to assets | 0.0665% | 6,911 |
| Net operating income to assets | 0.0539% | 5,323 |
| Return on assets (ROA) | 0.0628% | 5,358 |
| Pretax return on assets | 0.0374% | 5,353 |
| Return on Equity (ROE) | 0.4887% | 5,393 |
| Retained earnings to average equity (ytd only) | 0.4887% | 4,632 |
| Net charge-offs to loans | 0.0810% | 6,297 |
| Credit loss provision to net charge-offs | 142.8571% | 3,365 |
| Earnings coverage of net charge-offs (x) | 2.0423% | 4,196 |
| Efficiency ratio | 95.8252% | 1,318 |
| Assets per employee ($millions) | 3.6268% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7531% | 7,255 |
| Loan loss allowance to noncurrent loans | 76.2226% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.6809% | 5,750 |
| Noncurrent loans to loans | 0.9880% | 5,341 |
| Net loans and leases to total assets | 57.1261% | 5,796 |
| Net loans and leases to deposits | 66.5419% | 5,997 |
| Net loans and leases to core deposits | 78.4094% | 6,234 |
| Total domestic deposits to total assets | 85.8498% | 3,084 |
| Equity capital to assets | 12.8165% | 1,590 |
| Core capital (leverage) ratio | 11.4377% | 1,948 |
| Tier 1 risk-based capital ratio | 18.2475% | 1,829 |
| Total risk-based capital ratio | 19.2761% | 1,847 |
| Memoranda: | ||
| Average total assets | $405,992,000 | 1,690 |
| Average earning assets | $370,379,600 | 1,701 |
| Average equity | $52,174,000 | 1,279 |
| Average total loans | $233,332,000 | 2,008 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7768% | 7,158 |
| Cost of funding earning assets | 1.5542% | 5,614 |
| Net interest margin | 3.2226% | 5,940 |
| Noninterest income to average assets | 1.1659% | 1,158 |
| Noninterest expense to average assets | 4.0556% | 1,204 |
| Loan and lease loss provision to assets | 0.0906% | 6,463 |
| Net operating income to assets | 0.0024% | 5,703 |
| Return on assets (ROA) | 0.0043% | 5,760 |
| Pretax return on assets | -0.0387% | 5,765 |
| Return on Equity (ROE) | 0.0334% | 5,766 |
| Retained earnings to average equity (ytd only) | 0.0334% | 5,191 |
| Net charge-offs to loans | 0.1053% | 5,615 |
| Credit loss provision to net charge-offs | 149.7268% | 3,215 |
| Earnings coverage of net charge-offs (x) | 0.8088% | 5,242 |
| Efficiency ratio | 96.8259% | 1,223 |
| Assets per employee ($millions) | 3.5754% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7589% | 7,236 |
| Loan loss allowance to noncurrent loans | 73.1884% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 0.7118% | 5,704 |
| Noncurrent loans to loans | 1.0369% | 5,238 |
| Net loans and leases to total assets | 57.3216% | 5,990 |
| Net loans and leases to deposits | 66.7855% | 6,230 |
| Net loans and leases to core deposits | 79.6408% | 6,385 |
| Total domestic deposits to total assets | 85.8294% | 2,791 |
| Equity capital to assets | 12.8124% | 1,779 |
| Core capital (leverage) ratio | 11.6636% | 1,985 |
| Tier 1 risk-based capital ratio | 18.4831% | 1,865 |
| Total risk-based capital ratio | 19.4166% | 1,889 |
| Memoranda: | ||
| Average total assets | $403,219,750 | 1,716 |
| Average earning assets | $367,683,750 | 1,724 |
| Average equity | $51,853,750 | 1,299 |
| Average total loans | $231,647,500 | 2,045 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8316% | 7,171 |
| Cost of funding earning assets | 1.6419% | 5,549 |
| Net interest margin | 3.1897% | 5,954 |
| Noninterest income to average assets | 1.1733% | 1,136 |
| Noninterest expense to average assets | 4.1680% | 1,108 |
| Loan and lease loss provision to assets | 0.1307% | 5,788 |
| Net operating income to assets | -0.1242% | 6,053 |
| Return on assets (ROA) | -0.1242% | 6,088 |
| Pretax return on assets | -0.2243% | 6,152 |
| Return on Equity (ROE) | -0.9645% | 6,067 |
| Retained earnings to average equity (ytd only) | -0.9645% | 5,472 |
| Net charge-offs to loans | 0.1555% | 4,641 |
| Credit loss provision to net charge-offs | 146.6292% | 3,155 |
| Earnings coverage of net charge-offs (x) | -1.0506% | 6,239 |
| Efficiency ratio | 100.2335% | 1,164 |
| Assets per employee ($millions) | 3.5554% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7738% | 7,242 |
| Loan loss allowance to noncurrent loans | 102.5496% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 6,062 |
| Noncurrent loans to loans | 0.7546% | 5,726 |
| Net loans and leases to total assets | 56.7628% | 6,117 |
| Net loans and leases to deposits | 66.0264% | 6,390 |
| Net loans and leases to core deposits | 78.3159% | 6,530 |
| Total domestic deposits to total assets | 85.9699% | 2,810 |
| Equity capital to assets | 12.6275% | 1,862 |
| Core capital (leverage) ratio | 11.7641% | 1,943 |
| Tier 1 risk-based capital ratio | 18.5332% | 1,872 |
| Total risk-based capital ratio | 19.2883% | 1,946 |
| Memoranda: | ||
| Average total assets | $399,377,670 | 1,761 |
| Average earning assets | $363,232,670 | 1,765 |
| Average equity | $51,425,330 | 1,328 |
| Average total loans | $229,011,000 | 2,093 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8342% | 7,317 |
| Cost of funding earning assets | 1.7080% | 5,565 |
| Net interest margin | 3.1262% | 6,118 |
| Noninterest income to average assets | 1.1910% | 1,023 |
| Noninterest expense to average assets | 4.1639% | 986 |
| Loan and lease loss provision to assets | 0.1622% | 4,861 |
| Net operating income to assets | -0.1855% | 6,537 |
| Return on assets (ROA) | -0.1855% | 6,623 |
| Pretax return on assets | -0.2909% | 6,664 |
| Return on Equity (ROE) | -1.4263% | 6,603 |
| Retained earnings to average equity (ytd only) | -1.4263% | 5,984 |
| Net charge-offs to loans | 0.0265% | 5,163 |
| Credit loss provision to net charge-offs | 1,066.6667% | 586 |
| Earnings coverage of net charge-offs (x) | -8.4667% | 5,608 |
| Efficiency ratio | 101.0801% | 1,085 |
| Assets per employee ($millions) | 3.4643% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 7,082 |
| Loan loss allowance to noncurrent loans | 84.2864% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6217% | 5,631 |
| Noncurrent loans to loans | 0.9743% | 5,047 |
| Net loans and leases to total assets | 56.7484% | 6,134 |
| Net loans and leases to deposits | 66.0419% | 6,372 |
| Net loans and leases to core deposits | 81.0285% | 6,309 |
| Total domestic deposits to total assets | 85.9279% | 2,765 |
| Equity capital to assets | 12.7102% | 1,880 |
| Core capital (leverage) ratio | 11.8885% | 1,949 |
| Tier 1 risk-based capital ratio | 19.1571% | 1,781 |
| Total risk-based capital ratio | 19.9466% | 1,838 |
| Memoranda: | ||
| Average total assets | $394,631,500 | 1,785 |
| Average earning assets | $359,026,000 | 1,790 |
| Average equity | $51,323,000 | 1,337 |
| Average total loans | $226,568,500 | 2,128 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9904% | 7,839 |
| Cost of funding earning assets | 2.0776% | 6,142 |
| Net interest margin | 2.9128% | 7,127 |
| Noninterest income to average assets | 1.2925% | 877 |
| Noninterest expense to average assets | 4.2272% | 1,121 |
| Loan and lease loss provision to assets | 0.1152% | 5,899 |
| Net operating income to assets | -0.2674% | 6,703 |
| Return on assets (ROA) | -0.3461% | 6,642 |
| Pretax return on assets | -0.5540% | 6,691 |
| Return on Equity (ROE) | -2.5506% | 6,568 |
| Retained earnings to average equity (ytd only) | -2.5506% | 6,003 |
| Net charge-offs to loans | 0.0601% | 5,918 |
| Credit loss provision to net charge-offs | 366.3934% | 1,205 |
| Earnings coverage of net charge-offs (x) | -10.0492% | 6,895 |
| Efficiency ratio | 104.5194% | 855 |
| Assets per employee ($millions) | 3.3124% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7669% | 7,216 |
| Loan loss allowance to noncurrent loans | 86.3500% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.5772% | 5,454 |
| Noncurrent loans to loans | 0.8882% | 4,842 |
| Net loans and leases to total assets | 57.1690% | 6,311 |
| Net loans and leases to deposits | 67.2584% | 6,530 |
| Net loans and leases to core deposits | 82.1631% | 6,448 |
| Total domestic deposits to total assets | 84.9990% | 2,847 |
| Equity capital to assets | 13.3061% | 1,667 |
| Core capital (leverage) ratio | 12.2975% | 1,842 |
| Tier 1 risk-based capital ratio | 19.7424% | 1,660 |
| Total risk-based capital ratio | 20.6683% | 1,685 |
| Memoranda: | ||
| Average total assets | $388,080,200 | 1,746 |
| Average earning assets | $348,910,200 | 1,774 |
| Average equity | $52,653,600 | 1,279 |
| Average total loans | $202,961,000 | 2,272 |