Home > Touchmark National Bank > Performance and Condition Ratios
Touchmark National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4018% | 716 |
| Cost of funding earning assets | 3.6330% | 79 |
| Net interest margin | 2.7688% | 3,748 |
| Noninterest income to average assets | 0.1500% | 3,849 |
| Noninterest expense to average assets | 1.6512% | 4,089 |
| Loan and lease loss provision to assets | 0.2700% | 415 |
| Net operating income to assets | 0.6808% | 3,159 |
| Return on assets (ROA) | 0.6808% | 3,174 |
| Pretax return on assets | 0.8950% | 2,976 |
| Return on Equity (ROE) | 5.7400% | 3,391 |
| Retained earnings to average equity (ytd only) | 5.7418% | 2,351 |
| Net charge-offs to loans | 0.6100% | 235 |
| Credit loss provision to net charge-offs | 53.0035% | 1,531 |
| Earnings coverage of net charge-offs (x) | 2.2633% | 2,081 |
| Efficiency ratio | 58.6774% | 3,117 |
| Assets per employee ($millions) | 17.2991% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5766% | 4,195 |
| Loan loss allowance to noncurrent loans | 12.9504% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 5.3279% | 20 |
| Noncurrent loans to loans | 4.4521% | 93 |
| Net loans and leases to total assets | 83.4100% | 283 |
| Net loans and leases to deposits | 96.5390% | 588 |
| Net loans and leases to core deposits | 152.1619% | 150 |
| Total domestic deposits to total assets | 86.4000% | 2,151 |
| Equity capital to assets | 12.1793% | 1,162 |
| Core capital (leverage) ratio | 11.9708% | 1,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.2837% | 121 |
| Memoranda: | ||
| Average total assets | $440,656,000 | 1,957 |
| Average earning assets | $424,445,000 | 1,904 |
| Average equity | $52,248,500 | 1,712 |
| Average total loans | $371,127,500 | 1,646 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7778% | 508 |
| Cost of funding earning assets | 4.1206% | 56 |
| Net interest margin | 2.6572% | 3,693 |
| Noninterest income to average assets | 0.5500% | 1,704 |
| Noninterest expense to average assets | 1.5721% | 4,199 |
| Loan and lease loss provision to assets | 0.5300% | 189 |
| Net operating income to assets | 0.7791% | 2,749 |
| Return on assets (ROA) | 0.7791% | 2,767 |
| Pretax return on assets | 1.0160% | 2,491 |
| Return on Equity (ROE) | 7.1100% | 2,990 |
| Retained earnings to average equity (ytd only) | 0.5374% | 3,777 |
| Net charge-offs to loans | 1.2654% | 117 |
| Credit loss provision to net charge-offs | 50.6498% | 2,334 |
| Earnings coverage of net charge-offs (x) | 1.4360% | 2,906 |
| Efficiency ratio | 50.4158% | 3,968 |
| Assets per employee ($millions) | 17.9534% | 135 |
| Cash dividends to net income (ytd only)* | 92.4459% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6215% | 4,160 |
| Loan loss allowance to noncurrent loans | 14.5997% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 5.1331% | 20 |
| Noncurrent loans to loans | 4.2568% | 87 |
| Net loans and leases to total assets | 84.0100% | 280 |
| Net loans and leases to deposits | 96.5496% | 673 |
| Net loans and leases to core deposits | 162.5263% | 116 |
| Total domestic deposits to total assets | 87.0100% | 1,866 |
| Equity capital to assets | 11.5464% | 1,340 |
| Core capital (leverage) ratio | 11.5613% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.5848% | 139 |
| Memoranda: | ||
| Average total assets | $485,923,200 | 1,802 |
| Average earning assets | $469,594,000 | 1,752 |
| Average equity | $53,216,400 | 1,651 |
| Average total loans | $413,467,800 | 1,493 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8272% | 473 |
| Cost of funding earning assets | 4.1940% | 58 |
| Net interest margin | 2.6332% | 3,715 |
| Noninterest income to average assets | 0.6700% | 1,244 |
| Noninterest expense to average assets | 1.6707% | 4,110 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 1.1031% | 1,749 |
| Return on assets (ROA) | 1.1031% | 1,756 |
| Pretax return on assets | 1.4569% | 1,388 |
| Return on Equity (ROE) | 10.2000% | 2,134 |
| Retained earnings to average equity (ytd only) | 10.1980% | 812 |
| Net charge-offs to loans | 0.2107% | 565 |
| Credit loss provision to net charge-offs | 59.9700% | 1,984 |
| Earnings coverage of net charge-offs (x) | 8.6162% | 2,203 |
| Efficiency ratio | 51.9160% | 3,871 |
| Assets per employee ($millions) | 17.2501% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 2,221 |
| Loan loss allowance to noncurrent loans | 21.3291% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 5.9549% | 21 |
| Noncurrent loans to loans | 5.6223% | 59 |
| Net loans and leases to total assets | 82.6600% | 355 |
| Net loans and leases to deposits | 95.8532% | 736 |
| Net loans and leases to core deposits | 163.8261% | 113 |
| Total domestic deposits to total assets | 86.2400% | 1,847 |
| Equity capital to assets | 11.9903% | 1,292 |
| Core capital (leverage) ratio | 11.9872% | 1,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.7084% | 141 |
| Memoranda: | ||
| Average total assets | $495,195,500 | 1,778 |
| Average earning assets | $478,955,500 | 1,723 |
| Average equity | $53,564,500 | 1,638 |
| Average total loans | $421,980,000 | 1,471 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8180% | 449 |
| Cost of funding earning assets | 4.2448% | 49 |
| Net interest margin | 2.5732% | 3,775 |
| Noninterest income to average assets | 0.6400% | 1,304 |
| Noninterest expense to average assets | 1.7089% | 4,072 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 1.0174% | 1,944 |
| Return on assets (ROA) | 1.0174% | 1,942 |
| Pretax return on assets | 1.3433% | 1,598 |
| Return on Equity (ROE) | 9.7300% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.7303% | 942 |
| Net charge-offs to loans | 0.1534% | 662 |
| Credit loss provision to net charge-offs | 75.3012% | 1,684 |
| Earnings coverage of net charge-offs (x) | 10.7771% | 1,960 |
| Efficiency ratio | 54.6687% | 3,700 |
| Assets per employee ($millions) | 18.5003% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 2,335 |
| Loan loss allowance to noncurrent loans | 20.7616% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 6.2554% | 17 |
| Noncurrent loans to loans | 5.6972% | 44 |
| Net loans and leases to total assets | 84.3800% | 258 |
| Net loans and leases to deposits | 97.1219% | 709 |
| Net loans and leases to core deposits | 176.4939% | 77 |
| Total domestic deposits to total assets | 86.8800% | 1,691 |
| Equity capital to assets | 11.2405% | 1,456 |
| Core capital (leverage) ratio | 11.0789% | 1,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.2058% | 167 |
| Memoranda: | ||
| Average total assets | $505,009,667 | 1,750 |
| Average earning assets | $488,500,667 | 1,696 |
| Average equity | $52,804,333 | 1,628 |
| Average total loans | $432,747,000 | 1,450 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0496% | 315 |
| Cost of funding earning assets | 4.3068% | 39 |
| Net interest margin | 2.7428% | 3,478 |
| Noninterest income to average assets | 0.4000% | 2,294 |
| Noninterest expense to average assets | 1.5891% | 4,203 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.1118% | 1,633 |
| Return on assets (ROA) | 1.1118% | 1,642 |
| Pretax return on assets | 1.4677% | 1,310 |
| Return on Equity (ROE) | 11.0200% | 1,844 |
| Retained earnings to average equity (ytd only) | 11.0173% | 906 |
| Net charge-offs to loans | 0.3092% | 291 |
| Credit loss provision to net charge-offs | 14.5773% | 1,535 |
| Earnings coverage of net charge-offs (x) | 5.5306% | 1,855 |
| Efficiency ratio | 51.9868% | 3,906 |
| Assets per employee ($millions) | 20.2282% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 2,972 |
| Loan loss allowance to noncurrent loans | 19.9613% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 5.9266% | 24 |
| Noncurrent loans to loans | 5.3405% | 49 |
| Net loans and leases to total assets | 85.2800% | 199 |
| Net loans and leases to deposits | 97.2626% | 644 |
| Net loans and leases to core deposits | 204.2515% | 76 |
| Total domestic deposits to total assets | 87.6800% | 1,536 |
| Equity capital to assets | 10.4494% | 1,753 |
| Core capital (leverage) ratio | 10.1775% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.2029% | 202 |
| Memoranda: | ||
| Average total assets | $517,010,000 | 1,716 |
| Average earning assets | $500,509,000 | 1,677 |
| Average equity | $52,172,500 | 1,642 |
| Average total loans | $443,765,000 | 1,417 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9757% | 229 |
| Cost of funding earning assets | 3.3253% | 94 |
| Net interest margin | 3.6504% | 1,860 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 1.6219% | 4,227 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.8716% | 549 |
| Return on assets (ROA) | 1.8716% | 530 |
| Pretax return on assets | 2.4468% | 356 |
| Return on Equity (ROE) | 15.2600% | 1,236 |
| Retained earnings to average equity (ytd only) | 1.9909% | 3,576 |
| Net charge-offs to loans | 0.4155% | 248 |
| Credit loss provision to net charge-offs | 33.5249% | 2,263 |
| Earnings coverage of net charge-offs (x) | 6.9144% | 2,440 |
| Efficiency ratio | 39.1822% | 4,382 |
| Assets per employee ($millions) | 25.1578% | 66 |
| Cash dividends to net income (ytd only)* | 86.9565% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 2,872 |
| Loan loss allowance to noncurrent loans | 23.1870% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 5.1354% | 22 |
| Noncurrent loans to loans | 4.7175% | 58 |
| Net loans and leases to total assets | 84.5500% | 238 |
| Net loans and leases to deposits | 95.3419% | 837 |
| Net loans and leases to core deposits | 232.8054% | 66 |
| Total domestic deposits to total assets | 88.6800% | 1,163 |
| Equity capital to assets | 9.7484% | 2,161 |
| Core capital (leverage) ratio | 10.3819% | 2,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6678% | 227 |
| Memoranda: | ||
| Average total assets | $430,112,000 | 1,921 |
| Average earning assets | $418,123,000 | 1,842 |
| Average equity | $52,740,800 | 1,534 |
| Average total loans | $376,887,000 | 1,527 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8352% | 224 |
| Cost of funding earning assets | 3.0144% | 113 |
| Net interest margin | 3.8209% | 1,555 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 1.6908% | 4,139 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.9525% | 535 |
| Return on assets (ROA) | 1.9525% | 527 |
| Pretax return on assets | 2.5860% | 348 |
| Return on Equity (ROE) | 14.9300% | 1,453 |
| Retained earnings to average equity (ytd only) | 14.9263% | 566 |
| Net charge-offs to loans | -0.0216% | 4,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 38.5619% | 4,394 |
| Assets per employee ($millions) | 22.4757% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 945 |
| Loan loss allowance to noncurrent loans | 24.5310% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 5.6692% | 24 |
| Noncurrent loans to loans | 6.3970% | 30 |
| Net loans and leases to total assets | 87.2300% | 108 |
| Net loans and leases to deposits | 108.0994% | 243 |
| Net loans and leases to core deposits | 238.7770% | 24 |
| Total domestic deposits to total assets | 80.7000% | 3,431 |
| Equity capital to assets | 11.8765% | 1,070 |
| Core capital (leverage) ratio | 12.8663% | 1,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5395% | 213 |
| Memoranda: | ||
| Average total assets | $405,561,500 | 1,993 |
| Average earning assets | $394,457,250 | 1,926 |
| Average equity | $53,050,500 | 1,525 |
| Average total loans | $358,205,750 | 1,584 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6432% | 227 |
| Cost of funding earning assets | 2.7129% | 125 |
| Net interest margin | 3.9303% | 1,368 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.6880% | 4,162 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.6259% | 906 |
| Return on assets (ROA) | 1.6259% | 908 |
| Pretax return on assets | 2.1527% | 577 |
| Return on Equity (ROE) | 11.9800% | 2,166 |
| Retained earnings to average equity (ytd only) | 11.9773% | 990 |
| Net charge-offs to loans | -0.0337% | 4,277 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.4505% | 4,320 |
| Assets per employee ($millions) | 19.4191% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7670% | 659 |
| Loan loss allowance to noncurrent loans | 29.9152% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 5.3183% | 28 |
| Noncurrent loans to loans | 5.9068% | 37 |
| Net loans and leases to total assets | 88.4500% | 70 |
| Net loans and leases to deposits | 107.0149% | 275 |
| Net loans and leases to core deposits | 205.1451% | 39 |
| Total domestic deposits to total assets | 82.6500% | 3,115 |
| Equity capital to assets | 13.1030% | 789 |
| Core capital (leverage) ratio | 13.5374% | 868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0157% | 221 |
| Memoranda: | ||
| Average total assets | $383,419,000 | 2,067 |
| Average earning assets | $372,290,667 | 2,004 |
| Average equity | $52,048,667 | 1,546 |
| Average total loans | $338,177,000 | 1,637 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6772% | 153 |
| Cost of funding earning assets | 2.2983% | 153 |
| Net interest margin | 4.3789% | 713 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.7736% | 4,070 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.8986% | 574 |
| Return on assets (ROA) | 1.8986% | 570 |
| Pretax return on assets | 2.5138% | 349 |
| Return on Equity (ROE) | 13.7200% | 1,829 |
| Retained earnings to average equity (ytd only) | 13.7238% | 975 |
| Net charge-offs to loans | -0.0692% | 4,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 40.2052% | 4,447 |
| Assets per employee ($millions) | 16.7173% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 696 |
| Loan loss allowance to noncurrent loans | 66.8874% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 2.3334% | 86 |
| Noncurrent loans to loans | 2.6491% | 177 |
| Net loans and leases to total assets | 86.5200% | 121 |
| Net loans and leases to deposits | 115.6463% | 117 |
| Net loans and leases to core deposits | 195.9213% | 36 |
| Total domestic deposits to total assets | 74.8200% | 4,239 |
| Equity capital to assets | 13.0157% | 758 |
| Core capital (leverage) ratio | 14.3306% | 687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9821% | 231 |
| Memoranda: | ||
| Average total assets | $371,228,000 | 2,152 |
| Average earning assets | $360,092,000 | 2,068 |
| Average equity | $51,356,000 | 1,579 |
| Average total loans | $323,680,500 | 1,710 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4464% | 804 |
| Cost of funding earning assets | 0.6675% | 672 |
| Net interest margin | 3.7789% | 1,201 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.7220% | 4,137 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.6644% | 588 |
| Return on assets (ROA) | 1.6644% | 559 |
| Pretax return on assets | 2.2043% | 317 |
| Return on Equity (ROE) | 11.3800% | 2,354 |
| Retained earnings to average equity (ytd only) | 1.5453% | 4,089 |
| Net charge-offs to loans | 0.0262% | 1,534 |
| Credit loss provision to net charge-offs | 810.8108% | 490 |
| Earnings coverage of net charge-offs (x) | 113.7162% | 910 |
| Efficiency ratio | 42.0455% | 4,488 |
| Assets per employee ($millions) | 14.2184% | 234 |
| Cash dividends to net income (ytd only)* | 86.4260% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0347% | 404 |
| Loan loss allowance to noncurrent loans | 62.2502% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 2.8156% | 57 |
| Noncurrent loans to loans | 3.2686% | 124 |
| Net loans and leases to total assets | 84.3900% | 232 |
| Net loans and leases to deposits | 99.7903% | 443 |
| Net loans and leases to core deposits | 150.6109% | 93 |
| Total domestic deposits to total assets | 84.5700% | 3,090 |
| Equity capital to assets | 14.7962% | 488 |
| Core capital (leverage) ratio | 16.0403% | 451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5436% | 218 |
| Memoranda: | ||
| Average total assets | $354,533,600 | 2,207 |
| Average earning assets | $344,122,200 | 2,134 |
| Average equity | $51,833,800 | 1,570 |
| Average total loans | $282,885,800 | 1,799 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 1,152 |
| Cost of funding earning assets | 0.4565% | 952 |
| Net interest margin | 3.5986% | 1,393 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 1.8703% | 3,817 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.4765% | 897 |
| Return on assets (ROA) | 1.4765% | 882 |
| Pretax return on assets | 1.9426% | 528 |
| Return on Equity (ROE) | 10.1300% | 2,683 |
| Retained earnings to average equity (ytd only) | 10.1283% | 1,307 |
| Net charge-offs to loans | 0.0357% | 1,150 |
| Credit loss provision to net charge-offs | 640.0000% | 541 |
| Earnings coverage of net charge-offs (x) | 75.9200% | 1,069 |
| Efficiency ratio | 46.8546% | 4,337 |
| Assets per employee ($millions) | 13.9280% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1261% | 388 |
| Loan loss allowance to noncurrent loans | 80.0000% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 2.2866% | 103 |
| Noncurrent loans to loans | 2.6576% | 193 |
| Net loans and leases to total assets | 84.2100% | 228 |
| Net loans and leases to deposits | 104.9919% | 211 |
| Net loans and leases to core deposits | 130.8868% | 142 |
| Total domestic deposits to total assets | 80.2100% | 4,078 |
| Equity capital to assets | 16.7279% | 335 |
| Core capital (leverage) ratio | 16.8866% | 379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4459% | 188 |
| Memoranda: | ||
| Average total assets | $357,856,500 | 2,204 |
| Average earning assets | $347,531,500 | 2,135 |
| Average equity | $52,169,500 | 1,588 |
| Average total loans | $280,119,250 | 1,807 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7670% | 1,380 |
| Cost of funding earning assets | 0.3266% | 1,467 |
| Net interest margin | 3.4404% | 1,478 |
| Noninterest income to average assets | 0.6075% | 1,706 |
| Noninterest expense to average assets | 1.9235% | 3,649 |
| Loan and lease loss provision to assets | 0.1890% | 460 |
| Net operating income to assets | 1.3986% | 912 |
| Return on assets (ROA) | 1.3986% | 886 |
| Pretax return on assets | 1.8398% | 543 |
| Return on Equity (ROE) | 10.0199% | 2,327 |
| Retained earnings to average equity (ytd only) | 10.0199% | 1,016 |
| Net charge-offs to loans | 0.0526% | 867 |
| Credit loss provision to net charge-offs | 472.9730% | 649 |
| Earnings coverage of net charge-offs (x) | 50.7703% | 1,152 |
| Efficiency ratio | 48.6679% | 4,324 |
| Assets per employee ($millions) | 12.9582% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0898% | 457 |
| Loan loss allowance to noncurrent loans | 75.7067% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 2.3367% | 95 |
| Noncurrent loans to loans | 2.7603% | 190 |
| Net loans and leases to total assets | 82.8850% | 246 |
| Net loans and leases to deposits | 99.6759% | 283 |
| Net loans and leases to core deposits | 114.6371% | 270 |
| Total domestic deposits to total assets | 83.1545% | 3,852 |
| Equity capital to assets | 16.2205% | 319 |
| Core capital (leverage) ratio | 15.3566% | 438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4995% | 185 |
| Memoranda: | ||
| Average total assets | $370,360,333 | 2,157 |
| Average earning assets | $360,079,000 | 2,101 |
| Average equity | $51,697,000 | 1,637 |
| Average total loans | $281,618,000 | 1,799 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4233% | 2,023 |
| Cost of funding earning assets | 0.3235% | 1,427 |
| Net interest margin | 3.0997% | 2,177 |
| Noninterest income to average assets | 0.9411% | 773 |
| Noninterest expense to average assets | 1.9036% | 3,675 |
| Loan and lease loss provision to assets | 0.1525% | 518 |
| Net operating income to assets | 1.4473% | 715 |
| Return on assets (ROA) | 1.4473% | 713 |
| Pretax return on assets | 1.9036% | 442 |
| Return on Equity (ROE) | 11.1094% | 1,578 |
| Retained earnings to average equity (ytd only) | 11.1094% | 766 |
| Net charge-offs to loans | 0.1584% | 374 |
| Credit loss provision to net charge-offs | 132.7434% | 896 |
| Earnings coverage of net charge-offs (x) | 17.9027% | 1,316 |
| Efficiency ratio | 48.0749% | 4,399 |
| Assets per employee ($millions) | 15.8865% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9940% | 623 |
| Loan loss allowance to noncurrent loans | 100.8447% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.4905% | 241 |
| Noncurrent loans to loans | 1.9773% | 377 |
| Net loans and leases to total assets | 73.8770% | 667 |
| Net loans and leases to deposits | 87.2274% | 664 |
| Net loans and leases to core deposits | 102.6708% | 428 |
| Total domestic deposits to total assets | 84.6947% | 3,614 |
| Equity capital to assets | 14.1668% | 502 |
| Core capital (leverage) ratio | 13.2160% | 725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8233% | 208 |
| Memoranda: | ||
| Average total assets | $393,563,000 | 2,079 |
| Average earning assets | $383,257,500 | 2,013 |
| Average equity | $51,272,000 | 1,705 |
| Average total loans | $285,306,500 | 1,766 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 1,425 |
| Cost of funding earning assets | 0.5507% | 707 |
| Net interest margin | 3.4225% | 1,959 |
| Noninterest income to average assets | 1.0070% | 993 |
| Noninterest expense to average assets | 1.6886% | 4,310 |
| Loan and lease loss provision to assets | 0.0592% | 1,876 |
| Net operating income to assets | 2.0006% | 337 |
| Return on assets (ROA) | 2.0006% | 358 |
| Pretax return on assets | 2.6001% | 226 |
| Return on Equity (ROE) | 16.0199% | 758 |
| Retained earnings to average equity (ytd only) | 0.8424% | 4,300 |
| Net charge-offs to loans | 0.0507% | 1,308 |
| Credit loss provision to net charge-offs | 145.3488% | 1,514 |
| Earnings coverage of net charge-offs (x) | 65.2558% | 1,127 |
| Efficiency ratio | 38.8371% | 4,704 |
| Assets per employee ($millions) | 16.8694% | 157 |
| Cash dividends to net income (ytd only)* | 94.7418% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8480% | 798 |
| Loan loss allowance to noncurrent loans | 156.3485% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.8273% | 714 |
| Noncurrent loans to loans | 1.1820% | 813 |
| Net loans and leases to total assets | 68.6987% | 1,187 |
| Net loans and leases to deposits | 78.5287% | 1,351 |
| Net loans and leases to core deposits | 98.1440% | 606 |
| Total domestic deposits to total assets | 87.4822% | 2,286 |
| Equity capital to assets | 12.0407% | 1,234 |
| Core capital (leverage) ratio | 12.1996% | 1,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1396% | 276 |
| Memoranda: | ||
| Average total assets | $422,065,000 | 1,920 |
| Average earning assets | $412,014,600 | 1,861 |
| Average equity | $52,709,400 | 1,684 |
| Average total loans | $339,486,200 | 1,559 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 1,511 |
| Cost of funding earning assets | 0.6096% | 611 |
| Net interest margin | 3.4008% | 2,149 |
| Noninterest income to average assets | 0.9851% | 1,093 |
| Noninterest expense to average assets | 1.6676% | 4,377 |
| Loan and lease loss provision to assets | 0.0789% | 1,497 |
| Net operating income to assets | 1.9566% | 495 |
| Return on assets (ROA) | 1.9566% | 521 |
| Pretax return on assets | 2.5580% | 308 |
| Return on Equity (ROE) | 15.5283% | 1,034 |
| Retained earnings to average equity (ytd only) | 15.5283% | 334 |
| Net charge-offs to loans | -0.0099% | 3,669 |
| Credit loss provision to net charge-offs | -961.5385% | 3,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7409% | 4,754 |
| Assets per employee ($millions) | 16.3848% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7694% | 989 |
| Loan loss allowance to noncurrent loans | 129.9540% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.0211% | 636 |
| Noncurrent loans to loans | 1.3616% | 784 |
| Net loans and leases to total assets | 73.6686% | 720 |
| Net loans and leases to deposits | 85.6162% | 851 |
| Net loans and leases to core deposits | 108.9728% | 346 |
| Total domestic deposits to total assets | 86.0452% | 2,728 |
| Equity capital to assets | 13.2951% | 904 |
| Core capital (leverage) ratio | 13.5359% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3103% | 245 |
| Memoranda: | ||
| Average total assets | $422,147,250 | 1,940 |
| Average earning assets | $412,052,000 | 1,879 |
| Average equity | $53,191,750 | 1,696 |
| Average total loans | $350,562,250 | 1,545 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 1,679 |
| Cost of funding earning assets | 0.6860% | 497 |
| Net interest margin | 3.2634% | 2,570 |
| Noninterest income to average assets | 0.6867% | 1,859 |
| Noninterest expense to average assets | 1.6614% | 4,424 |
| Loan and lease loss provision to assets | 0.1188% | 1,061 |
| Net operating income to assets | 1.5982% | 1,053 |
| Return on assets (ROA) | 1.5982% | 1,109 |
| Pretax return on assets | 2.0895% | 697 |
| Return on Equity (ROE) | 12.9239% | 1,747 |
| Retained earnings to average equity (ytd only) | 12.9239% | 736 |
| Net charge-offs to loans | -0.0194% | 3,982 |
| Credit loss provision to net charge-offs | -714.2857% | 3,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9326% | 4,664 |
| Assets per employee ($millions) | 15.9267% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 1,169 |
| Loan loss allowance to noncurrent loans | 128.3900% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 1.0650% | 700 |
| Noncurrent loans to loans | 1.2851% | 918 |
| Net loans and leases to total assets | 81.5018% | 237 |
| Net loans and leases to deposits | 94.2739% | 446 |
| Net loans and leases to core deposits | 121.9759% | 195 |
| Total domestic deposits to total assets | 86.4521% | 2,574 |
| Equity capital to assets | 12.9963% | 943 |
| Core capital (leverage) ratio | 12.6343% | 879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2146% | 272 |
| Memoranda: | ||
| Average total assets | $420,861,333 | 1,937 |
| Average earning assets | $410,496,333 | 1,880 |
| Average equity | $52,043,000 | 1,715 |
| Average total loans | $360,921,333 | 1,519 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 1,214 |
| Cost of funding earning assets | 0.7900% | 373 |
| Net interest margin | 3.4009% | 2,107 |
| Noninterest income to average assets | 0.1857% | 4,263 |
| Noninterest expense to average assets | 1.7971% | 4,221 |
| Loan and lease loss provision to assets | 0.1414% | 941 |
| Net operating income to assets | 1.1955% | 2,165 |
| Return on assets (ROA) | 1.1955% | 2,240 |
| Pretax return on assets | 1.5632% | 1,822 |
| Return on Equity (ROE) | 9.9148% | 2,718 |
| Retained earnings to average equity (ytd only) | 9.9148% | 1,669 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3193% | 4,062 |
| Assets per employee ($millions) | 17.4976% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 1,678 |
| Loan loss allowance to noncurrent loans | 132.6692% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.9920% | 836 |
| Noncurrent loans to loans | 1.1147% | 1,200 |
| Net loans and leases to total assets | 87.6769% | 50 |
| Net loans and leases to deposits | 103.2640% | 219 |
| Net loans and leases to core deposits | 129.8933% | 142 |
| Total domestic deposits to total assets | 84.9056% | 3,140 |
| Equity capital to assets | 12.3252% | 1,140 |
| Core capital (leverage) ratio | 12.1567% | 1,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5944% | 338 |
| Memoranda: | ||
| Average total assets | $424,244,500 | 1,920 |
| Average earning assets | $413,653,500 | 1,859 |
| Average equity | $51,156,000 | 1,733 |
| Average total loans | $369,803,500 | 1,488 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3402% | 1,743 |
| Cost of funding earning assets | 1.5112% | 78 |
| Net interest margin | 2.8290% | 4,215 |
| Noninterest income to average assets | 0.7783% | 1,598 |
| Noninterest expense to average assets | 1.7578% | 4,534 |
| Loan and lease loss provision to assets | 0.3468% | 1,004 |
| Net operating income to assets | 1.1045% | 1,910 |
| Return on assets (ROA) | 1.1045% | 2,028 |
| Pretax return on assets | 1.4302% | 1,570 |
| Return on Equity (ROE) | 9.4067% | 2,237 |
| Retained earnings to average equity (ytd only) | 1.1431% | 4,173 |
| Net charge-offs to loans | 0.0997% | 1,474 |
| Credit loss provision to net charge-offs | 402.4129% | 1,424 |
| Earnings coverage of net charge-offs (x) | 20.6220% | 1,933 |
| Efficiency ratio | 49.7288% | 4,547 |
| Assets per employee ($millions) | 16.4825% | 139 |
| Cash dividends to net income (ytd only)* | 87.8477% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 1,689 |
| Loan loss allowance to noncurrent loans | 191.1482% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.6564% | 1,596 |
| Noncurrent loans to loans | 0.7688% | 1,789 |
| Net loans and leases to total assets | 84.1240% | 169 |
| Net loans and leases to deposits | 98.3538% | 447 |
| Net loans and leases to core deposits | 122.9960% | 277 |
| Total domestic deposits to total assets | 85.5320% | 2,555 |
| Equity capital to assets | 11.7964% | 1,682 |
| Core capital (leverage) ratio | 11.4157% | 1,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8174% | 360 |
| Memoranda: | ||
| Average total assets | $432,873,000 | 1,754 |
| Average earning assets | $421,781,200 | 1,688 |
| Average equity | $50,825,400 | 1,669 |
| Average total loans | $374,067,800 | 1,434 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 1,898 |
| Cost of funding earning assets | 1.6374% | 61 |
| Net interest margin | 2.7428% | 4,408 |
| Noninterest income to average assets | 0.5309% | 2,473 |
| Noninterest expense to average assets | 1.8309% | 4,439 |
| Loan and lease loss provision to assets | 0.4459% | 731 |
| Net operating income to assets | 0.7183% | 3,397 |
| Return on assets (ROA) | 0.7183% | 3,499 |
| Pretax return on assets | 0.9270% | 3,307 |
| Return on Equity (ROE) | 6.1251% | 3,514 |
| Retained earnings to average equity (ytd only) | 6.1251% | 2,054 |
| Net charge-offs to loans | 0.1326% | 1,085 |
| Credit loss provision to net charge-offs | 387.9679% | 1,498 |
| Earnings coverage of net charge-offs (x) | 11.9465% | 2,274 |
| Efficiency ratio | 57.1497% | 3,775 |
| Assets per employee ($millions) | 16.6477% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 1,950 |
| Loan loss allowance to noncurrent loans | 191.7207% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.6180% | 1,881 |
| Noncurrent loans to loans | 0.7049% | 2,029 |
| Net loans and leases to total assets | 86.4962% | 132 |
| Net loans and leases to deposits | 101.4630% | 473 |
| Net loans and leases to core deposits | 131.4390% | 225 |
| Total domestic deposits to total assets | 85.2490% | 2,337 |
| Equity capital to assets | 11.6508% | 1,906 |
| Core capital (leverage) ratio | 11.3209% | 1,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4971% | 382 |
| Memoranda: | ||
| Average total assets | $433,954,750 | 1,725 |
| Average earning assets | $422,865,750 | 1,665 |
| Average equity | $50,893,500 | 1,663 |
| Average total loans | $376,113,000 | 1,425 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5571% | 1,768 |
| Cost of funding earning assets | 1.7437% | 62 |
| Net interest margin | 2.8134% | 4,427 |
| Noninterest income to average assets | 0.3867% | 3,162 |
| Noninterest expense to average assets | 1.8844% | 4,437 |
| Loan and lease loss provision to assets | 0.6302% | 489 |
| Net operating income to assets | 0.4753% | 4,074 |
| Return on assets (ROA) | 0.4753% | 4,140 |
| Pretax return on assets | 0.6138% | 4,034 |
| Return on Equity (ROE) | 4.0435% | 4,089 |
| Retained earnings to average equity (ytd only) | 4.0435% | 2,881 |
| Net charge-offs to loans | 0.2588% | 610 |
| Credit loss provision to net charge-offs | 282.0459% | 1,668 |
| Earnings coverage of net charge-offs (x) | 5.5678% | 2,505 |
| Efficiency ratio | 60.2356% | 3,385 |
| Assets per employee ($millions) | 15.2828% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 2,205 |
| Loan loss allowance to noncurrent loans | 180.8263% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 1,907 |
| Noncurrent loans to loans | 0.6968% | 2,134 |
| Net loans and leases to total assets | 87.5285% | 74 |
| Net loans and leases to deposits | 108.6114% | 255 |
| Net loans and leases to core deposits | 147.7093% | 117 |
| Total domestic deposits to total assets | 80.5886% | 3,706 |
| Equity capital to assets | 11.1454% | 2,215 |
| Core capital (leverage) ratio | 11.1521% | 1,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8228% | 514 |
| Memoranda: | ||
| Average total assets | $428,777,000 | 1,718 |
| Average earning assets | $417,850,333 | 1,656 |
| Average equity | $50,401,667 | 1,661 |
| Average total loans | $370,112,000 | 1,429 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7976% | 1,423 |
| Cost of funding earning assets | 1.9563% | 41 |
| Net interest margin | 2.8412% | 4,516 |
| Noninterest income to average assets | 0.2793% | 3,851 |
| Noninterest expense to average assets | 1.7182% | 4,753 |
| Loan and lease loss provision to assets | 0.8533% | 279 |
| Net operating income to assets | 0.3682% | 4,201 |
| Return on assets (ROA) | 0.3682% | 4,238 |
| Pretax return on assets | 0.4755% | 4,157 |
| Return on Equity (ROE) | 3.0448% | 4,210 |
| Retained earnings to average equity (ytd only) | 3.0448% | 3,068 |
| Net charge-offs to loans | 0.4239% | 345 |
| Credit loss provision to net charge-offs | 236.7292% | 1,327 |
| Earnings coverage of net charge-offs (x) | 3.6863% | 2,192 |
| Efficiency ratio | 56.3907% | 4,172 |
| Assets per employee ($millions) | 15.0078% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 1,962 |
| Loan loss allowance to noncurrent loans | 58.7749% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.9269% | 448 |
| Noncurrent loans to loans | 2.2764% | 557 |
| Net loans and leases to total assets | 83.5117% | 299 |
| Net loans and leases to deposits | 99.5656% | 589 |
| Net loans and leases to core deposits | 144.6852% | 140 |
| Total domestic deposits to total assets | 83.8760% | 2,827 |
| Equity capital to assets | 12.0083% | 2,059 |
| Core capital (leverage) ratio | 11.7129% | 1,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2792% | 615 |
| Memoranda: | ||
| Average total assets | $413,923,500 | 1,725 |
| Average earning assets | $403,204,000 | 1,660 |
| Average equity | $50,052,500 | 1,663 |
| Average total loans | $351,955,500 | 1,445 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8924% | 1,774 |
| Cost of funding earning assets | 2.0370% | 51 |
| Net interest margin | 2.8555% | 4,707 |
| Noninterest income to average assets | 0.6404% | 2,042 |
| Noninterest expense to average assets | 1.7406% | 4,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2793% | 1,773 |
| Return on assets (ROA) | 1.2793% | 1,846 |
| Pretax return on assets | 1.6667% | 1,279 |
| Return on Equity (ROE) | 10.7189% | 1,993 |
| Retained earnings to average equity (ytd only) | 4.6263% | 2,629 |
| Net charge-offs to loans | 0.2513% | 823 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 7.7345% | 2,849 |
| Efficiency ratio | 51.0849% | 4,664 |
| Assets per employee ($millions) | 14.5582% | 133 |
| Cash dividends to net income (ytd only)* | 56.8397% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 2,319 |
| Loan loss allowance to noncurrent loans | 65.5305% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.5907% | 616 |
| Noncurrent loans to loans | 1.8620% | 717 |
| Net loans and leases to total assets | 84.3836% | 290 |
| Net loans and leases to deposits | 101.0511% | 524 |
| Net loans and leases to core deposits | 154.9389% | 99 |
| Total domestic deposits to total assets | 83.5058% | 3,018 |
| Equity capital to assets | 12.1787% | 2,029 |
| Core capital (leverage) ratio | 12.2952% | 1,595 |
| Tier 1 risk-based capital ratio | 20.8971% | 1,181 |
| Total risk-based capital ratio | 22.1537% | 1,160 |
| Memoranda: | ||
| Average total assets | $412,560,000 | 1,702 |
| Average earning assets | $399,760,400 | 1,631 |
| Average equity | $49,240,000 | 1,625 |
| Average total loans | $353,795,600 | 1,404 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9459% | 1,687 |
| Cost of funding earning assets | 2.0401% | 56 |
| Net interest margin | 2.9058% | 4,749 |
| Noninterest income to average assets | 0.6915% | 1,819 |
| Noninterest expense to average assets | 1.7512% | 4,869 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3446% | 1,660 |
| Return on assets (ROA) | 1.3446% | 1,732 |
| Pretax return on assets | 1.7522% | 1,196 |
| Return on Equity (ROE) | 11.3227% | 1,885 |
| Retained earnings to average equity (ytd only) | 11.3227% | 469 |
| Net charge-offs to loans | -0.0004% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9862% | 4,744 |
| Assets per employee ($millions) | 15.0989% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 1,339 |
| Loan loss allowance to noncurrent loans | 57.1635% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 2.2052% | 363 |
| Noncurrent loans to loans | 2.5658% | 442 |
| Net loans and leases to total assets | 84.6856% | 276 |
| Net loans and leases to deposits | 102.1611% | 500 |
| Net loans and leases to core deposits | 159.7742% | 91 |
| Total domestic deposits to total assets | 82.8942% | 3,202 |
| Equity capital to assets | 12.6294% | 1,825 |
| Core capital (leverage) ratio | 12.4021% | 1,625 |
| Tier 1 risk-based capital ratio | 21.9194% | 1,080 |
| Total risk-based capital ratio | 23.1812% | 1,052 |
| Memoranda: | ||
| Average total assets | $413,792,750 | 1,705 |
| Average earning assets | $400,425,500 | 1,624 |
| Average equity | $49,139,000 | 1,632 |
| Average total loans | $355,189,250 | 1,405 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8505% | 1,909 |
| Cost of funding earning assets | 1.9986% | 60 |
| Net interest margin | 2.8520% | 4,870 |
| Noninterest income to average assets | 0.6979% | 1,721 |
| Noninterest expense to average assets | 1.7132% | 4,965 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3361% | 1,631 |
| Return on assets (ROA) | 1.3361% | 1,695 |
| Pretax return on assets | 1.7396% | 1,188 |
| Return on Equity (ROE) | 11.4896% | 1,790 |
| Retained earnings to average equity (ytd only) | 11.4896% | 486 |
| Net charge-offs to loans | -0.0006% | 3,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6169% | 4,803 |
| Assets per employee ($millions) | 14.9688% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 1,340 |
| Loan loss allowance to noncurrent loans | 56.8222% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 2.1578% | 400 |
| Noncurrent loans to loans | 2.5994% | 434 |
| Net loans and leases to total assets | 81.7873% | 641 |
| Net loans and leases to deposits | 97.4938% | 889 |
| Net loans and leases to core deposits | 160.0272% | 95 |
| Total domestic deposits to total assets | 83.8898% | 2,911 |
| Equity capital to assets | 11.9282% | 2,248 |
| Core capital (leverage) ratio | 11.8139% | 1,937 |
| Tier 1 risk-based capital ratio | 21.9550% | 1,057 |
| Total risk-based capital ratio | 23.2175% | 1,029 |
| Memoranda: | ||
| Average total assets | $415,834,000 | 1,702 |
| Average earning assets | $401,689,000 | 1,623 |
| Average equity | $48,356,670 | 1,648 |
| Average total loans | $356,793,670 | 1,411 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0192% | 1,290 |
| Cost of funding earning assets | 1.9072% | 70 |
| Net interest margin | 3.1120% | 4,571 |
| Noninterest income to average assets | 0.5244% | 2,415 |
| Noninterest expense to average assets | 1.7741% | 4,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3279% | 1,601 |
| Return on assets (ROA) | 1.3279% | 1,639 |
| Pretax return on assets | 1.7412% | 1,112 |
| Return on Equity (ROE) | 11.5697% | 1,705 |
| Retained earnings to average equity (ytd only) | 11.5697% | 691 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4670% | 4,793 |
| Assets per employee ($millions) | 14.0911% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 1,623 |
| Loan loss allowance to noncurrent loans | 100.2928% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.2119% | 1,100 |
| Noncurrent loans to loans | 1.4099% | 1,147 |
| Net loans and leases to total assets | 84.7395% | 305 |
| Net loans and leases to deposits | 100.5228% | 596 |
| Net loans and leases to core deposits | 162.0184% | 84 |
| Total domestic deposits to total assets | 84.2988% | 2,948 |
| Equity capital to assets | 11.4285% | 2,464 |
| Core capital (leverage) ratio | 11.7158% | 1,970 |
| Tier 1 risk-based capital ratio | 19.8736% | 1,360 |
| Total risk-based capital ratio | 21.1340% | 1,333 |
| Memoranda: | ||
| Average total assets | $414,188,500 | 1,714 |
| Average earning assets | $398,070,000 | 1,645 |
| Average equity | $47,538,000 | 1,654 |
| Average total loans | $361,225,500 | 1,401 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7361% | 1,717 |
| Cost of funding earning assets | 1.4858% | 92 |
| Net interest margin | 3.2503% | 4,383 |
| Noninterest income to average assets | 0.4070% | 3,399 |
| Noninterest expense to average assets | 1.6741% | 5,123 |
| Loan and lease loss provision to assets | 0.0254% | 3,664 |
| Net operating income to assets | 1.3645% | 1,556 |
| Return on assets (ROA) | 1.3645% | 1,542 |
| Pretax return on assets | 1.8194% | 873 |
| Return on Equity (ROE) | 11.6103% | 1,861 |
| Retained earnings to average equity (ytd only) | 5.1374% | 2,696 |
| Net charge-offs to loans | -0.0020% | 4,233 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5751% | 5,060 |
| Assets per employee ($millions) | 13.5215% | 139 |
| Cash dividends to net income (ytd only)* | 55.7517% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 1,519 |
| Loan loss allowance to noncurrent loans | 173.7572% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 1,899 |
| Noncurrent loans to loans | 0.8235% | 1,955 |
| Net loans and leases to total assets | 87.2571% | 153 |
| Net loans and leases to deposits | 105.3482% | 399 |
| Net loans and leases to core deposits | 163.2125% | 81 |
| Total domestic deposits to total assets | 82.8273% | 3,385 |
| Equity capital to assets | 11.5283% | 2,238 |
| Core capital (leverage) ratio | 12.0345% | 1,715 |
| Tier 1 risk-based capital ratio | 18.1439% | 1,715 |
| Total risk-based capital ratio | 19.4028% | 1,664 |
| Memoranda: | ||
| Average total assets | $394,360,800 | 1,742 |
| Average earning assets | $377,565,200 | 1,689 |
| Average equity | $46,346,800 | 1,618 |
| Average total loans | $351,582,000 | 1,397 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 1,866 |
| Cost of funding earning assets | 1.4158% | 92 |
| Net interest margin | 3.2268% | 4,462 |
| Noninterest income to average assets | 0.4825% | 2,966 |
| Noninterest expense to average assets | 1.8205% | 5,018 |
| Loan and lease loss provision to assets | 0.0341% | 3,335 |
| Net operating income to assets | 1.2960% | 1,874 |
| Return on assets (ROA) | 1.2960% | 1,877 |
| Pretax return on assets | 1.7285% | 1,212 |
| Return on Equity (ROE) | 10.9738% | 2,184 |
| Retained earnings to average equity (ytd only) | 10.9738% | 653 |
| Net charge-offs to loans | -0.0027% | 4,124 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8078% | 4,897 |
| Assets per employee ($millions) | 16.0144% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4609% | 1,486 |
| Loan loss allowance to noncurrent loans | 118.7471% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.0805% | 1,336 |
| Noncurrent loans to loans | 1.2303% | 1,371 |
| Net loans and leases to total assets | 86.5464% | 219 |
| Net loans and leases to deposits | 107.0059% | 397 |
| Net loans and leases to core deposits | 149.1019% | 140 |
| Total domestic deposits to total assets | 80.8800% | 3,899 |
| Equity capital to assets | 11.9672% | 1,929 |
| Core capital (leverage) ratio | 12.1516% | 1,692 |
| Tier 1 risk-based capital ratio | 18.8406% | 1,576 |
| Total risk-based capital ratio | 20.1010% | 1,546 |
| Memoranda: | ||
| Average total assets | $391,539,750 | 1,756 |
| Average earning assets | $376,212,750 | 1,695 |
| Average equity | $46,242,500 | 1,621 |
| Average total loans | $349,704,500 | 1,407 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6013% | 1,782 |
| Cost of funding earning assets | 1.3692% | 81 |
| Net interest margin | 3.2321% | 4,430 |
| Noninterest income to average assets | 0.7164% | 1,808 |
| Noninterest expense to average assets | 1.7494% | 5,149 |
| Loan and lease loss provision to assets | 0.0515% | 2,886 |
| Net operating income to assets | 1.5126% | 1,126 |
| Return on assets (ROA) | 1.5126% | 1,125 |
| Pretax return on assets | 2.0149% | 586 |
| Return on Equity (ROE) | 12.8661% | 1,411 |
| Retained earnings to average equity (ytd only) | 12.8661% | 396 |
| Net charge-offs to loans | -0.0006% | 3,867 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8457% | 5,217 |
| Assets per employee ($millions) | 15.2405% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 1,481 |
| Loan loss allowance to noncurrent loans | 166.3209% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.7785% | 1,922 |
| Noncurrent loans to loans | 0.8844% | 1,956 |
| Net loans and leases to total assets | 86.7380% | 212 |
| Net loans and leases to deposits | 103.7028% | 543 |
| Net loans and leases to core deposits | 135.9093% | 240 |
| Total domestic deposits to total assets | 83.6410% | 3,199 |
| Equity capital to assets | 11.8869% | 1,933 |
| Core capital (leverage) ratio | 11.8458% | 1,810 |
| Tier 1 risk-based capital ratio | 18.9674% | 1,554 |
| Total risk-based capital ratio | 20.2276% | 1,515 |
| Memoranda: | ||
| Average total assets | $388,599,330 | 1,777 |
| Average earning assets | $372,636,670 | 1,717 |
| Average equity | $45,686,000 | 1,648 |
| Average total loans | $349,061,000 | 1,409 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4082% | 2,172 |
| Cost of funding earning assets | 1.2624% | 105 |
| Net interest margin | 3.1458% | 4,608 |
| Noninterest income to average assets | 0.6986% | 1,838 |
| Noninterest expense to average assets | 1.7506% | 5,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4907% | 1,107 |
| Return on assets (ROA) | 1.4907% | 1,111 |
| Pretax return on assets | 1.9814% | 589 |
| Return on Equity (ROE) | 12.7529% | 1,333 |
| Retained earnings to average equity (ytd only) | 12.7529% | 557 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9081% | 5,237 |
| Assets per employee ($millions) | 14.8279% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,649 |
| Loan loss allowance to noncurrent loans | 150.1941% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.8687% | 1,826 |
| Noncurrent loans to loans | 0.9663% | 1,888 |
| Net loans and leases to total assets | 88.5919% | 105 |
| Net loans and leases to deposits | 107.3181% | 331 |
| Net loans and leases to core deposits | 138.0210% | 235 |
| Total domestic deposits to total assets | 82.5508% | 3,801 |
| Equity capital to assets | 11.8257% | 1,899 |
| Core capital (leverage) ratio | 11.5607% | 1,968 |
| Tier 1 risk-based capital ratio | 18.6566% | 1,648 |
| Total risk-based capital ratio | 19.9168% | 1,601 |
| Memoranda: | ||
| Average total assets | $384,773,000 | 1,801 |
| Average earning assets | $371,038,500 | 1,735 |
| Average equity | $44,978,000 | 1,675 |
| Average total loans | $349,175,500 | 1,399 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5854% | 1,470 |
| Cost of funding earning assets | 1.0168% | 194 |
| Net interest margin | 3.5686% | 3,272 |
| Noninterest income to average assets | 0.4954% | 3,030 |
| Noninterest expense to average assets | 2.0974% | 4,771 |
| Loan and lease loss provision to assets | 0.0757% | 2,681 |
| Net operating income to assets | 0.9554% | 2,420 |
| Return on assets (ROA) | 0.9554% | 2,453 |
| Pretax return on assets | 1.7543% | 886 |
| Return on Equity (ROE) | 8.5157% | 2,530 |
| Retained earnings to average equity (ytd only) | 8.5157% | 616 |
| Net charge-offs to loans | -0.0073% | 4,715 |
| Credit loss provision to net charge-offs | -1,190.4762% | 5,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4043% | 4,996 |
| Assets per employee ($millions) | 14.2673% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9822% | 4,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 90.4220% | 65 |
| Net loans and leases to deposits | 112.4889% | 203 |
| Net loans and leases to core deposits | 147.7951% | 143 |
| Total domestic deposits to total assets | 80.3831% | 4,268 |
| Equity capital to assets | 11.8276% | 1,966 |
| Core capital (leverage) ratio | 11.7507% | 1,761 |
| Tier 1 risk-based capital ratio | 18.1744% | 1,757 |
| Total risk-based capital ratio | 19.4262% | 1,705 |
| Memoranda: | ||
| Average total assets | $330,211,400 | 2,007 |
| Average earning assets | $317,571,400 | 1,948 |
| Average equity | $37,049,000 | 1,977 |
| Average total loans | $287,819,600 | 1,618 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5910% | 1,394 |
| Cost of funding earning assets | 0.9550% | 246 |
| Net interest margin | 3.6359% | 3,015 |
| Noninterest income to average assets | 0.4664% | 3,239 |
| Noninterest expense to average assets | 2.2423% | 4,437 |
| Loan and lease loss provision to assets | 0.0632% | 2,805 |
| Net operating income to assets | 1.0398% | 2,373 |
| Return on assets (ROA) | 1.0398% | 2,410 |
| Pretax return on assets | 1.6448% | 1,258 |
| Return on Equity (ROE) | 9.4230% | 2,392 |
| Retained earnings to average equity (ytd only) | 9.4230% | 728 |
| Net charge-offs to loans | -0.0103% | 4,644 |
| Credit loss provision to net charge-offs | -714.2857% | 4,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7619% | 4,638 |
| Assets per employee ($millions) | 14.9504% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 4,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 90.2216% | 76 |
| Net loans and leases to deposits | 109.3162% | 302 |
| Net loans and leases to core deposits | 139.6848% | 204 |
| Total domestic deposits to total assets | 82.5327% | 3,615 |
| Equity capital to assets | 10.8979% | 2,958 |
| Core capital (leverage) ratio | 11.3344% | 2,153 |
| Tier 1 risk-based capital ratio | 15.7710% | 2,601 |
| Total risk-based capital ratio | 17.0236% | 2,540 |
| Memoranda: | ||
| Average total assets | $316,459,750 | 2,091 |
| Average earning assets | $303,224,500 | 2,044 |
| Average equity | $34,920,750 | 2,086 |
| Average total loans | $271,830,250 | 1,710 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 1,139 |
| Cost of funding earning assets | 0.9091% | 287 |
| Net interest margin | 3.7521% | 2,461 |
| Noninterest income to average assets | 0.6996% | 1,994 |
| Noninterest expense to average assets | 2.4195% | 3,994 |
| Loan and lease loss provision to assets | 0.1009% | 2,000 |
| Net operating income to assets | 1.1139% | 1,909 |
| Return on assets (ROA) | 1.1139% | 1,955 |
| Pretax return on assets | 1.7576% | 926 |
| Return on Equity (ROE) | 10.0279% | 2,025 |
| Retained earnings to average equity (ytd only) | 10.0279% | 579 |
| Net charge-offs to loans | -0.0169% | 4,712 |
| Credit loss provision to net charge-offs | -714.2857% | 4,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5566% | 4,759 |
| Assets per employee ($millions) | 11.6279% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 2,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 84.1540% | 429 |
| Net loans and leases to deposits | 97.6512% | 924 |
| Net loans and leases to core deposits | 119.4186% | 580 |
| Total domestic deposits to total assets | 86.1782% | 2,300 |
| Equity capital to assets | 10.8405% | 2,983 |
| Core capital (leverage) ratio | 10.5302% | 2,879 |
| Tier 1 risk-based capital ratio | 13.5723% | 3,660 |
| Total risk-based capital ratio | 14.8254% | 3,571 |
| Memoranda: | ||
| Average total assets | $297,333,670 | 2,201 |
| Average earning assets | $283,574,000 | 2,154 |
| Average equity | $33,028,000 | 2,186 |
| Average total loans | $248,917,670 | 1,831 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7139% | 915 |
| Cost of funding earning assets | 0.8575% | 366 |
| Net interest margin | 3.8564% | 1,934 |
| Noninterest income to average assets | 0.8055% | 1,533 |
| Noninterest expense to average assets | 2.7057% | 3,120 |
| Loan and lease loss provision to assets | 0.2076% | 787 |
| Net operating income to assets | 0.9798% | 2,391 |
| Return on assets (ROA) | 0.9798% | 2,440 |
| Pretax return on assets | 1.5334% | 1,435 |
| Return on Equity (ROE) | 8.7071% | 2,562 |
| Retained earnings to average equity (ytd only) | 8.7071% | 1,186 |
| Net charge-offs to loans | -0.0033% | 4,082 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8466% | 4,341 |
| Assets per employee ($millions) | 9.1087% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 2,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 83.3077% | 434 |
| Net loans and leases to deposits | 99.9780% | 617 |
| Net loans and leases to core deposits | 123.5864% | 370 |
| Total domestic deposits to total assets | 83.3260% | 3,731 |
| Equity capital to assets | 10.9419% | 2,696 |
| Core capital (leverage) ratio | 11.0066% | 2,354 |
| Tier 1 risk-based capital ratio | 12.7606% | 4,221 |
| Total risk-based capital ratio | 14.0147% | 4,117 |
| Memoranda: | ||
| Average total assets | $289,024,000 | 2,264 |
| Average earning assets | $272,896,500 | 2,230 |
| Average equity | $32,525,000 | 2,216 |
| Average total loans | $239,597,000 | 1,893 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 1,056 |
| Cost of funding earning assets | 0.8228% | 450 |
| Net interest margin | 3.8797% | 2,033 |
| Noninterest income to average assets | 1.0480% | 1,026 |
| Noninterest expense to average assets | 2.8606% | 2,813 |
| Loan and lease loss provision to assets | 0.3450% | 496 |
| Net operating income to assets | 0.9541% | 2,560 |
| Return on assets (ROA) | 0.9941% | 2,481 |
| Pretax return on assets | 1.5612% | 1,396 |
| Return on Equity (ROE) | 7.4080% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.4080% | 1,077 |
| Net charge-offs to loans | -0.0042% | 4,786 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8086% | 4,454 |
| Assets per employee ($millions) | 9.9093% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 2,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 80.1060% | 885 |
| Net loans and leases to deposits | 99.3736% | 712 |
| Net loans and leases to core deposits | 121.4658% | 446 |
| Total domestic deposits to total assets | 80.6110% | 4,430 |
| Equity capital to assets | 11.5908% | 2,088 |
| Core capital (leverage) ratio | 12.4271% | 1,371 |
| Tier 1 risk-based capital ratio | 12.7453% | 4,245 |
| Total risk-based capital ratio | 13.9990% | 4,127 |
| Memoranda: | ||
| Average total assets | $231,871,200 | 2,645 |
| Average earning assets | $218,519,400 | 2,616 |
| Average equity | $31,115,200 | 2,283 |
| Average total loans | $189,361,000 | 2,215 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7238% | 1,025 |
| Cost of funding earning assets | 0.8393% | 406 |
| Net interest margin | 3.8845% | 2,033 |
| Noninterest income to average assets | 0.8243% | 1,671 |
| Noninterest expense to average assets | 2.8883% | 2,673 |
| Loan and lease loss provision to assets | 0.2721% | 652 |
| Net operating income to assets | 0.8546% | 3,130 |
| Return on assets (ROA) | 0.9107% | 2,982 |
| Pretax return on assets | 1.4181% | 1,977 |
| Return on Equity (ROE) | 6.5079% | 3,836 |
| Retained earnings to average equity (ytd only) | 6.5079% | 1,910 |
| Net charge-offs to loans | -0.0052% | 4,624 |
| Credit loss provision to net charge-offs | -6,428.5714% | 5,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3146% | 3,885 |
| Assets per employee ($millions) | 8.1593% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 2,134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 83.3590% | 473 |
| Net loans and leases to deposits | 106.7811% | 349 |
| Net loans and leases to core deposits | 124.3649% | 408 |
| Total domestic deposits to total assets | 78.0653% | 4,903 |
| Equity capital to assets | 13.4084% | 1,287 |
| Core capital (leverage) ratio | 13.0176% | 1,189 |
| Tier 1 risk-based capital ratio | 13.7863% | 3,678 |
| Total risk-based capital ratio | 15.0393% | 3,604 |
| Memoranda: | ||
| Average total assets | $220,473,750 | 2,764 |
| Average earning assets | $208,104,750 | 2,722 |
| Average equity | $30,854,000 | 2,309 |
| Average total loans | $180,339,750 | 2,311 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6168% | 1,237 |
| Cost of funding earning assets | 0.8364% | 403 |
| Net interest margin | 3.7804% | 2,397 |
| Noninterest income to average assets | 0.5988% | 2,625 |
| Noninterest expense to average assets | 2.9002% | 2,673 |
| Loan and lease loss provision to assets | 0.1860% | 1,170 |
| Net operating income to assets | 0.6955% | 3,811 |
| Return on assets (ROA) | 0.7680% | 3,605 |
| Pretax return on assets | 1.1883% | 2,824 |
| Return on Equity (ROE) | 5.4052% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.4052% | 2,483 |
| Net charge-offs to loans | -0.0046% | 4,503 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6672% | 3,035 |
| Assets per employee ($millions) | 7.9768% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 4,587 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 83.7318% | 443 |
| Net loans and leases to deposits | 106.2763% | 356 |
| Net loans and leases to core deposits | 123.3302% | 427 |
| Total domestic deposits to total assets | 78.7868% | 4,833 |
| Equity capital to assets | 13.4515% | 1,260 |
| Core capital (leverage) ratio | 12.8965% | 1,192 |
| Tier 1 risk-based capital ratio | 14.0648% | 3,565 |
| Total risk-based capital ratio | 15.3062% | 3,490 |
| Memoranda: | ||
| Average total assets | $215,091,670 | 2,826 |
| Average earning assets | $202,783,000 | 2,781 |
| Average equity | $30,563,000 | 2,332 |
| Average total loans | $173,761,000 | 2,381 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5970% | 1,274 |
| Cost of funding earning assets | 0.8138% | 452 |
| Net interest margin | 3.7832% | 2,355 |
| Noninterest income to average assets | 0.3711% | 4,070 |
| Noninterest expense to average assets | 2.9356% | 2,585 |
| Loan and lease loss provision to assets | 0.0966% | 2,081 |
| Net operating income to assets | 0.5699% | 4,319 |
| Return on assets (ROA) | 0.7131% | 3,767 |
| Pretax return on assets | 1.0900% | 3,130 |
| Return on Equity (ROE) | 4.8735% | 4,541 |
| Retained earnings to average equity (ytd only) | 4.8735% | 3,017 |
| Net charge-offs to loans | -0.0049% | 4,288 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2353% | 2,289 |
| Assets per employee ($millions) | 7.0400% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 2,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 4,597 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 76.2523% | 1,353 |
| Net loans and leases to deposits | 99.2320% | 672 |
| Net loans and leases to core deposits | 115.6811% | 605 |
| Total domestic deposits to total assets | 76.8425% | 5,311 |
| Equity capital to assets | 13.9892% | 986 |
| Core capital (leverage) ratio | 13.7831% | 872 |
| Tier 1 risk-based capital ratio | 15.3904% | 2,974 |
| Total risk-based capital ratio | 16.6456% | 2,911 |
| Memoranda: | ||
| Average total assets | $206,973,500 | 2,922 |
| Average earning assets | $193,169,000 | 2,898 |
| Average equity | $30,286,000 | 2,352 |
| Average total loans | $162,504,000 | 2,501 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5704% | 1,410 |
| Cost of funding earning assets | 0.7811% | 543 |
| Net interest margin | 3.7893% | 2,412 |
| Noninterest income to average assets | 1.5511% | 525 |
| Noninterest expense to average assets | 3.1725% | 2,030 |
| Loan and lease loss provision to assets | 0.3485% | 428 |
| Net operating income to assets | 1.0510% | 2,119 |
| Return on assets (ROA) | 1.0883% | 2,039 |
| Pretax return on assets | 1.6743% | 1,056 |
| Return on Equity (ROE) | 6.7171% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.7171% | 1,427 |
| Net charge-offs to loans | -0.0650% | 5,640 |
| Credit loss provision to net charge-offs | -686.8132% | 5,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7472% | 4,649 |
| Assets per employee ($millions) | 8.1545% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 1,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 4,519 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 78.5828% | 1,047 |
| Net loans and leases to deposits | 107.6816% | 308 |
| Net loans and leases to core deposits | 124.6703% | 362 |
| Total domestic deposits to total assets | 72.9770% | 5,729 |
| Equity capital to assets | 15.3505% | 621 |
| Core capital (leverage) ratio | 14.3245% | 748 |
| Tier 1 risk-based capital ratio | 16.2878% | 2,570 |
| Total risk-based capital ratio | 17.5473% | 2,523 |
| Memoranda: | ||
| Average total assets | $179,354,800 | 3,180 |
| Average earning assets | $169,767,200 | 3,130 |
| Average equity | $29,060,000 | 2,390 |
| Average total loans | $139,941,800 | 2,723 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5182% | 1,541 |
| Cost of funding earning assets | 0.7826% | 552 |
| Net interest margin | 3.7356% | 2,627 |
| Noninterest income to average assets | 1.6979% | 458 |
| Noninterest expense to average assets | 3.3563% | 1,566 |
| Loan and lease loss provision to assets | 0.3613% | 364 |
| Net operating income to assets | 0.9859% | 2,534 |
| Return on assets (ROA) | 1.0171% | 2,485 |
| Pretax return on assets | 1.5648% | 1,494 |
| Return on Equity (ROE) | 6.1865% | 4,062 |
| Retained earnings to average equity (ytd only) | 6.1865% | 2,125 |
| Net charge-offs to loans | -0.2178% | 6,014 |
| Credit loss provision to net charge-offs | -213.9640% | 5,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1186% | 4,225 |
| Assets per employee ($millions) | 8.2198% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4815% | 2,232 |
| Loan loss allowance to noncurrent loans | 895.8175% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 4,175 |
| Noncurrent loans to loans | 0.1654% | 4,992 |
| Net loans and leases to total assets | 79.4196% | 893 |
| Net loans and leases to deposits | 109.4405% | 261 |
| Net loans and leases to core deposits | 126.9765% | 321 |
| Total domestic deposits to total assets | 72.5687% | 5,823 |
| Equity capital to assets | 15.0105% | 735 |
| Core capital (leverage) ratio | 14.9118% | 653 |
| Tier 1 risk-based capital ratio | 15.8097% | 2,892 |
| Total risk-based capital ratio | 17.0707% | 2,818 |
| Memoranda: | ||
| Average total assets | $175,266,750 | 3,255 |
| Average earning assets | $165,931,750 | 3,200 |
| Average equity | $28,814,500 | 2,419 |
| Average total loans | $135,885,500 | 2,803 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5177% | 1,477 |
| Cost of funding earning assets | 0.8013% | 496 |
| Net interest margin | 3.7165% | 2,641 |
| Noninterest income to average assets | 1.6947% | 467 |
| Noninterest expense to average assets | 3.4883% | 1,320 |
| Loan and lease loss provision to assets | 0.3573% | 362 |
| Net operating income to assets | 0.8849% | 2,967 |
| Return on assets (ROA) | 0.9337% | 2,835 |
| Pretax return on assets | 1.4375% | 1,840 |
| Return on Equity (ROE) | 5.4924% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.4924% | 2,539 |
| Net charge-offs to loans | -0.3402% | 6,144 |
| Credit loss provision to net charge-offs | -137.6147% | 4,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9792% | 3,842 |
| Assets per employee ($millions) | 6.7914% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 2,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 4,687 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 77.5479% | 1,131 |
| Net loans and leases to deposits | 98.0965% | 782 |
| Net loans and leases to core deposits | 113.6989% | 679 |
| Total domestic deposits to total assets | 79.0526% | 5,089 |
| Equity capital to assets | 16.3488% | 482 |
| Core capital (leverage) ratio | 15.4382% | 550 |
| Tier 1 risk-based capital ratio | 16.6444% | 2,538 |
| Total risk-based capital ratio | 17.8958% | 2,495 |
| Memoranda: | ||
| Average total assets | $167,930,670 | 3,386 |
| Average earning assets | $158,751,670 | 3,311 |
| Average equity | $28,548,670 | 2,451 |
| Average total loans | $128,170,330 | 2,947 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 1,447 |
| Cost of funding earning assets | 0.8060% | 481 |
| Net interest margin | 3.6982% | 2,623 |
| Noninterest income to average assets | 1.4205% | 582 |
| Noninterest expense to average assets | 3.7309% | 964 |
| Loan and lease loss provision to assets | 0.3056% | 469 |
| Net operating income to assets | 0.5673% | 4,413 |
| Return on assets (ROA) | 0.6674% | 4,089 |
| Pretax return on assets | 1.0268% | 3,396 |
| Return on Equity (ROE) | 3.8466% | 5,041 |
| Retained earnings to average equity (ytd only) | 3.8466% | 3,693 |
| Net charge-offs to loans | -0.7107% | 6,289 |
| Credit loss provision to net charge-offs | -57.3394% | 4,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9960% | 2,510 |
| Assets per employee ($millions) | 6.1602% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 2,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 4,727 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 75.1350% | 1,331 |
| Net loans and leases to deposits | 96.2107% | 817 |
| Net loans and leases to core deposits | 113.5617% | 591 |
| Total domestic deposits to total assets | 78.0942% | 5,432 |
| Equity capital to assets | 17.1915% | 404 |
| Core capital (leverage) ratio | 15.8131% | 488 |
| Tier 1 risk-based capital ratio | 17.9141% | 2,166 |
| Total risk-based capital ratio | 19.1799% | 2,119 |
| Memoranda: | ||
| Average total assets | $163,608,000 | 3,457 |
| Average earning assets | $154,344,500 | 3,402 |
| Average equity | $28,389,000 | 2,477 |
| Average total loans | $122,701,500 | 3,046 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3271% | 2,507 |
| Cost of funding earning assets | 0.8403% | 538 |
| Net interest margin | 3.4868% | 3,846 |
| Noninterest income to average assets | 1.3878% | 634 |
| Noninterest expense to average assets | 3.1377% | 2,394 |
| Loan and lease loss provision to assets | 0.3798% | 486 |
| Net operating income to assets | 0.6544% | 4,115 |
| Return on assets (ROA) | 0.7131% | 3,931 |
| Pretax return on assets | 1.0956% | 3,103 |
| Return on Equity (ROE) | 3.7964% | 5,202 |
| Retained earnings to average equity (ytd only) | 3.7964% | 3,513 |
| Net charge-offs to loans | 0.1589% | 2,448 |
| Credit loss provision to net charge-offs | 346.8750% | 759 |
| Earnings coverage of net charge-offs (x) | 12.6500% | 2,350 |
| Efficiency ratio | 69.3751% | 3,649 |
| Assets per employee ($millions) | 6.4356% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 2,949 |
| Loan loss allowance to noncurrent loans | 164.9105% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 2,663 |
| Noncurrent loans to loans | 0.8494% | 3,185 |
| Net loans and leases to total assets | 72.5794% | 1,811 |
| Net loans and leases to deposits | 94.4063% | 1,042 |
| Net loans and leases to core deposits | 110.2766% | 764 |
| Total domestic deposits to total assets | 76.8799% | 5,617 |
| Equity capital to assets | 17.5176% | 360 |
| Core capital (leverage) ratio | 16.5333% | 412 |
| Tier 1 risk-based capital ratio | 18.7037% | 1,932 |
| Total risk-based capital ratio | 19.8975% | 1,912 |
| Memoranda: | ||
| Average total assets | $146,126,200 | 3,689 |
| Average earning assets | $131,380,000 | 3,735 |
| Average equity | $27,447,000 | 2,452 |
| Average total loans | $100,720,200 | 3,403 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3093% | 2,589 |
| Cost of funding earning assets | 0.8292% | 597 |
| Net interest margin | 3.4801% | 3,899 |
| Noninterest income to average assets | 0.9426% | 1,386 |
| Noninterest expense to average assets | 2.9739% | 2,889 |
| Loan and lease loss provision to assets | 0.2387% | 921 |
| Net operating income to assets | 0.5373% | 4,724 |
| Return on assets (ROA) | 0.5373% | 4,794 |
| Pretax return on assets | 0.8219% | 4,278 |
| Return on Equity (ROE) | 2.8072% | 5,613 |
| Retained earnings to average equity (ytd only) | 2.8072% | 4,604 |
| Net charge-offs to loans | -0.0055% | 5,314 |
| Credit loss provision to net charge-offs | -6,375.0000% | 6,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7123% | 2,862 |
| Assets per employee ($millions) | 7.1425% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 2,648 |
| Loan loss allowance to noncurrent loans | 148.5380% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 1.6769% | 1,807 |
| Noncurrent loans to loans | 1.0174% | 3,038 |
| Net loans and leases to total assets | 63.2059% | 3,311 |
| Net loans and leases to deposits | 82.0980% | 2,411 |
| Net loans and leases to core deposits | 96.2440% | 1,658 |
| Total domestic deposits to total assets | 76.9884% | 5,678 |
| Equity capital to assets | 17.5952% | 367 |
| Core capital (leverage) ratio | 16.6769% | 407 |
| Tier 1 risk-based capital ratio | 21.1925% | 1,414 |
| Total risk-based capital ratio | 22.4429% | 1,389 |
| Memoranda: | ||
| Average total assets | $142,435,250 | 3,781 |
| Average earning assets | $126,546,250 | 3,869 |
| Average equity | $27,262,750 | 2,472 |
| Average total loans | $96,292,250 | 3,521 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4493% | 1,997 |
| Cost of funding earning assets | 0.8027% | 690 |
| Net interest margin | 3.6466% | 3,161 |
| Noninterest income to average assets | 1.2419% | 760 |
| Noninterest expense to average assets | 3.1119% | 2,451 |
| Loan and lease loss provision to assets | 0.3708% | 468 |
| Net operating income to assets | 0.6500% | 4,100 |
| Return on assets (ROA) | 0.6500% | 4,202 |
| Pretax return on assets | 0.9830% | 3,544 |
| Return on Equity (ROE) | 3.2947% | 5,430 |
| Retained earnings to average equity (ytd only) | 3.2947% | 4,106 |
| Net charge-offs to loans | -0.0063% | 5,216 |
| Credit loss provision to net charge-offs | -8,500.0000% | 5,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6841% | 3,712 |
| Assets per employee ($millions) | 7.3247% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 2,656 |
| Loan loss allowance to noncurrent loans | 145.2290% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 1.8137% | 1,786 |
| Noncurrent loans to loans | 1.0697% | 3,091 |
| Net loans and leases to total assets | 65.8380% | 2,774 |
| Net loans and leases to deposits | 87.3995% | 1,666 |
| Net loans and leases to core deposits | 103.5850% | 1,047 |
| Total domestic deposits to total assets | 75.3299% | 5,990 |
| Equity capital to assets | 18.7818% | 278 |
| Core capital (leverage) ratio | 17.8575% | 303 |
| Tier 1 risk-based capital ratio | 21.6268% | 1,324 |
| Total risk-based capital ratio | 22.8775% | 1,300 |
| Memoranda: | ||
| Average total assets | $137,535,670 | 3,895 |
| Average earning assets | $121,593,330 | 3,976 |
| Average equity | $27,134,330 | 2,470 |
| Average total loans | $94,775,670 | 3,568 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5182% | 1,754 |
| Cost of funding earning assets | 0.7508% | 967 |
| Net interest margin | 3.7674% | 2,607 |
| Noninterest income to average assets | 1.9420% | 352 |
| Noninterest expense to average assets | 3.3219% | 1,897 |
| Loan and lease loss provision to assets | 0.6163% | 214 |
| Net operating income to assets | 0.8718% | 2,781 |
| Return on assets (ROA) | 0.8718% | 2,853 |
| Pretax return on assets | 1.3227% | 2,021 |
| Return on Equity (ROE) | 4.3051% | 4,881 |
| Retained earnings to average equity (ytd only) | 4.3051% | 3,545 |
| Net charge-offs to loans | -0.0086% | 4,992 |
| Credit loss provision to net charge-offs | -10,250.0000% | 5,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1429% | 4,982 |
| Assets per employee ($millions) | 6.7512% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 2,743 |
| Loan loss allowance to noncurrent loans | 139.2992% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.9737% | 1,739 |
| Noncurrent loans to loans | 1.1427% | 3,133 |
| Net loans and leases to total assets | 67.3552% | 2,329 |
| Net loans and leases to deposits | 95.7396% | 673 |
| Net loans and leases to core deposits | 109.4102% | 610 |
| Total domestic deposits to total assets | 70.3525% | 6,438 |
| Equity capital to assets | 20.1484% | 209 |
| Core capital (leverage) ratio | 18.9242% | 250 |
| Tier 1 risk-based capital ratio | 22.9495% | 1,153 |
| Total risk-based capital ratio | 24.2002% | 1,139 |
| Memoranda: | ||
| Average total assets | $133,057,000 | 4,010 |
| Average earning assets | $117,215,500 | 4,109 |
| Average equity | $26,944,500 | 2,473 |
| Average total loans | $93,178,500 | 3,634 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5306% | 2,093 |
| Cost of funding earning assets | 0.6965% | 1,841 |
| Net interest margin | 3.8342% | 2,523 |
| Noninterest income to average assets | 0.8879% | 1,723 |
| Noninterest expense to average assets | 3.7907% | 1,151 |
| Loan and lease loss provision to assets | -0.1604% | 6,557 |
| Net operating income to assets | 0.3563% | 5,311 |
| Return on assets (ROA) | 0.3593% | 5,414 |
| Pretax return on assets | 0.6449% | 4,721 |
| Return on Equity (ROE) | 1.6659% | 5,941 |
| Retained earnings to average equity (ytd only) | 1.6659% | 5,038 |
| Net charge-offs to loans | 0.3896% | 1,728 |
| Credit loss provision to net charge-offs | -62.1118% | 5,818 |
| Earnings coverage of net charge-offs (x) | 1.8571% | 4,430 |
| Efficiency ratio | 88.7678% | 1,132 |
| Assets per employee ($millions) | 6.2424% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 3,912 |
| Loan loss allowance to noncurrent loans | 118.5741% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 2.3076% | 1,523 |
| Noncurrent loans to loans | 1.1348% | 3,272 |
| Net loans and leases to total assets | 70.6967% | 1,901 |
| Net loans and leases to deposits | 113.9070% | 120 |
| Net loans and leases to core deposits | 133.1509% | 173 |
| Total domestic deposits to total assets | 62.0653% | 6,696 |
| Equity capital to assets | 20.3553% | 194 |
| Core capital (leverage) ratio | 19.3780% | 225 |
| Tier 1 risk-based capital ratio | 22.5426% | 1,171 |
| Total risk-based capital ratio | 23.7192% | 1,158 |
| Memoranda: | ||
| Average total assets | $124,672,200 | 4,165 |
| Average earning assets | $109,984,800 | 4,262 |
| Average equity | $26,893,000 | 2,467 |
| Average total loans | $82,643,400 | 3,860 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 1,973 |
| Cost of funding earning assets | 0.7090% | 1,891 |
| Net interest margin | 3.8627% | 2,407 |
| Noninterest income to average assets | 0.9003% | 1,755 |
| Noninterest expense to average assets | 3.8959% | 972 |
| Loan and lease loss provision to assets | -0.3250% | 6,783 |
| Net operating income to assets | 0.7172% | 3,769 |
| Return on assets (ROA) | 0.7183% | 3,896 |
| Pretax return on assets | 0.7183% | 4,622 |
| Return on Equity (ROE) | 3.2807% | 5,506 |
| Retained earnings to average equity (ytd only) | 3.2807% | 4,345 |
| Net charge-offs to loans | 0.4009% | 1,597 |
| Credit loss provision to net charge-offs | -125.0000% | 5,815 |
| Earnings coverage of net charge-offs (x) | 1.5083% | 4,336 |
| Efficiency ratio | 90.8540% | 929 |
| Assets per employee ($millions) | 6.1683% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 3,533 |
| Loan loss allowance to noncurrent loans | 47.0921% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 4.5758% | 651 |
| Noncurrent loans to loans | 3.1443% | 1,252 |
| Net loans and leases to total assets | 67.2535% | 2,422 |
| Net loans and leases to deposits | 110.1262% | 153 |
| Net loans and leases to core deposits | 131.1498% | 176 |
| Total domestic deposits to total assets | 61.0695% | 6,779 |
| Equity capital to assets | 21.8723% | 153 |
| Core capital (leverage) ratio | 20.3902% | 192 |
| Tier 1 risk-based capital ratio | 24.5103% | 934 |
| Total risk-based capital ratio | 25.7610% | 911 |
| Memoranda: | ||
| Average total assets | $123,067,500 | 4,247 |
| Average earning assets | $107,937,000 | 4,354 |
| Average equity | $26,945,250 | 2,489 |
| Average total loans | $79,819,000 | 3,978 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6916% | 1,592 |
| Cost of funding earning assets | 0.7285% | 1,854 |
| Net interest margin | 3.9631% | 1,995 |
| Noninterest income to average assets | 0.6961% | 2,664 |
| Noninterest expense to average assets | 4.1686% | 724 |
| Loan and lease loss provision to assets | -0.6506% | 6,892 |
| Net operating income to assets | 0.6376% | 4,120 |
| Return on assets (ROA) | 0.6376% | 4,267 |
| Pretax return on assets | 0.6376% | 4,883 |
| Return on Equity (ROE) | 2.9110% | 5,656 |
| Retained earnings to average equity (ytd only) | 2.9110% | 4,459 |
| Net charge-offs to loans | -0.0102% | 5,773 |
| Credit loss provision to net charge-offs | 10,000.0000% | 26 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3131% | 475 |
| Assets per employee ($millions) | 5.5356% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7807% | 2,499 |
| Loan loss allowance to noncurrent loans | 263.9469% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 3.0242% | 1,338 |
| Noncurrent loans to loans | 0.6746% | 4,587 |
| Net loans and leases to total assets | 63.0001% | 3,099 |
| Net loans and leases to deposits | 99.4994% | 452 |
| Net loans and leases to core deposits | 113.0872% | 458 |
| Total domestic deposits to total assets | 63.3170% | 6,810 |
| Equity capital to assets | 22.0571% | 136 |
| Core capital (leverage) ratio | 19.9637% | 195 |
| Tier 1 risk-based capital ratio | 24.3451% | 957 |
| Total risk-based capital ratio | 25.5744% | 941 |
| Memoranda: | ||
| Average total assets | $122,968,000 | 4,280 |
| Average earning assets | $107,341,330 | 4,405 |
| Average equity | $26,932,670 | 2,497 |
| Average total loans | $78,353,670 | 4,030 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7036% | 1,523 |
| Cost of funding earning assets | 0.7704% | 1,703 |
| Net interest margin | 3.9332% | 2,009 |
| Noninterest income to average assets | 0.5309% | 3,562 |
| Noninterest expense to average assets | 4.1826% | 727 |
| Loan and lease loss provision to assets | -0.8093% | 6,989 |
| Net operating income to assets | 0.6118% | 4,162 |
| Return on assets (ROA) | 0.6118% | 4,321 |
| Pretax return on assets | 0.6118% | 4,905 |
| Return on Equity (ROE) | 2.8033% | 5,662 |
| Retained earnings to average equity (ytd only) | 2.8033% | 4,603 |
| Net charge-offs to loans | -0.0102% | 5,445 |
| Credit loss provision to net charge-offs | 12,500.0000% | 8 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9553% | 420 |
| Assets per employee ($millions) | 5.2471% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9996% | 2,045 |
| Loan loss allowance to noncurrent loans | 287.1269% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 3.6434% | 1,145 |
| Noncurrent loans to loans | 0.6964% | 4,735 |
| Net loans and leases to total assets | 62.4996% | 2,966 |
| Net loans and leases to deposits | 99.5289% | 370 |
| Net loans and leases to core deposits | 108.2524% | 554 |
| Total domestic deposits to total assets | 62.7954% | 6,887 |
| Equity capital to assets | 22.3799% | 142 |
| Core capital (leverage) ratio | 18.6426% | 255 |
| Tier 1 risk-based capital ratio | 23.6562% | 1,067 |
| Total risk-based capital ratio | 24.9103% | 1,049 |
| Memoranda: | ||
| Average total assets | $123,560,000 | 4,315 |
| Average earning assets | $108,513,500 | 4,410 |
| Average equity | $26,968,000 | 2,524 |
| Average total loans | $78,473,000 | 4,053 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8715% | 1,942 |
| Cost of funding earning assets | 0.9216% | 1,808 |
| Net interest margin | 3.9498% | 2,610 |
| Noninterest income to average assets | 1.7072% | 559 |
| Noninterest expense to average assets | 4.5048% | 573 |
| Loan and lease loss provision to assets | 0.4121% | 1,559 |
| Net operating income to assets | 3.2347% | 89 |
| Return on assets (ROA) | 3.3902% | 85 |
| Pretax return on assets | 0.4545% | 5,413 |
| Return on Equity (ROE) | 18.5169% | 399 |
| Retained earnings to average equity (ytd only) | 18.5169% | 76 |
| Net charge-offs to loans | 0.6141% | 1,902 |
| Credit loss provision to net charge-offs | 108.6957% | 2,702 |
| Earnings coverage of net charge-offs (x) | 1.8758% | 4,487 |
| Efficiency ratio | 86.3657% | 1,395 |
| Assets per employee ($millions) | 5.0574% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2343% | 1,495 |
| Loan loss allowance to noncurrent loans | 329.7048% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 3.4824% | 1,302 |
| Noncurrent loans to loans | 0.6777% | 4,843 |
| Net loans and leases to total assets | 61.8439% | 3,275 |
| Net loans and leases to deposits | 96.0496% | 610 |
| Net loans and leases to core deposits | 108.0611% | 609 |
| Total domestic deposits to total assets | 64.3875% | 6,930 |
| Equity capital to assets | 21.2969% | 177 |
| Core capital (leverage) ratio | 18.6315% | 248 |
| Tier 1 risk-based capital ratio | 23.1221% | 1,095 |
| Total risk-based capital ratio | 24.3891% | 1,078 |
| Memoranda: | ||
| Average total assets | $127,398,200 | 4,203 |
| Average earning assets | $113,169,200 | 4,271 |
| Average equity | $23,324,600 | 2,819 |
| Average total loans | $78,647,800 | 4,081 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9349% | 1,881 |
| Cost of funding earning assets | 0.9492% | 1,856 |
| Net interest margin | 3.9857% | 2,558 |
| Noninterest income to average assets | 1.2420% | 969 |
| Noninterest expense to average assets | 4.0655% | 863 |
| Loan and lease loss provision to assets | 0.2873% | 2,272 |
| Net operating income to assets | 0.4377% | 5,088 |
| Return on assets (ROA) | 0.6445% | 4,427 |
| Pretax return on assets | 0.6445% | 5,033 |
| Return on Equity (ROE) | 3.6686% | 5,425 |
| Retained earnings to average equity (ytd only) | 3.6686% | 4,306 |
| Net charge-offs to loans | 0.9483% | 1,132 |
| Credit loss provision to net charge-offs | 49.3716% | 4,419 |
| Earnings coverage of net charge-offs (x) | 1.2460% | 4,662 |
| Efficiency ratio | 84.8670% | 1,488 |
| Assets per employee ($millions) | 5.0354% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9367% | 2,368 |
| Loan loss allowance to noncurrent loans | 204.3296% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 4.3246% | 1,081 |
| Noncurrent loans to loans | 0.9478% | 4,544 |
| Net loans and leases to total assets | 58.8454% | 3,986 |
| Net loans and leases to deposits | 86.3962% | 1,557 |
| Net loans and leases to core deposits | 96.1016% | 1,407 |
| Total domestic deposits to total assets | 68.1111% | 6,915 |
| Equity capital to assets | 18.5242% | 324 |
| Core capital (leverage) ratio | 18.1120% | 295 |
| Tier 1 risk-based capital ratio | 24.8612% | 920 |
| Total risk-based capital ratio | 26.1013% | 916 |
| Memoranda: | ||
| Average total assets | $127,638,750 | 4,239 |
| Average earning assets | $113,636,000 | 4,298 |
| Average equity | $22,424,000 | 2,951 |
| Average total loans | $78,314,750 | 4,131 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9738% | 1,862 |
| Cost of funding earning assets | 0.9637% | 1,972 |
| Net interest margin | 4.0100% | 2,461 |
| Noninterest income to average assets | 1.4958% | 653 |
| Noninterest expense to average assets | 3.7575% | 1,283 |
| Loan and lease loss provision to assets | 0.5849% | 1,026 |
| Net operating income to assets | 0.7425% | 3,636 |
| Return on assets (ROA) | 1.0497% | 2,481 |
| Pretax return on assets | 1.0497% | 3,518 |
| Return on Equity (ROE) | 6.0834% | 4,287 |
| Retained earnings to average equity (ytd only) | 6.0834% | 2,664 |
| Net charge-offs to loans | 0.7320% | 1,510 |
| Credit loss provision to net charge-offs | 129.3103% | 2,123 |
| Earnings coverage of net charge-offs (x) | 2.9345% | 3,571 |
| Efficiency ratio | 73.8957% | 3,091 |
| Assets per employee ($millions) | 5.3664% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2750% | 1,635 |
| Loan loss allowance to noncurrent loans | 185.5984% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 4.5872% | 1,067 |
| Noncurrent loans to loans | 1.2258% | 4,094 |
| Net loans and leases to total assets | 61.0344% | 3,620 |
| Net loans and leases to deposits | 87.5367% | 1,419 |
| Net loans and leases to core deposits | 97.7833% | 1,290 |
| Total domestic deposits to total assets | 69.7243% | 6,916 |
| Equity capital to assets | 18.0483% | 338 |
| Core capital (leverage) ratio | 17.9376% | 292 |
| Tier 1 risk-based capital ratio | 23.9245% | 1,023 |
| Total risk-based capital ratio | 25.1689% | 1,006 |
| Memoranda: | ||
| Average total assets | $128,223,670 | 4,244 |
| Average earning assets | $114,761,670 | 4,295 |
| Average equity | $22,125,670 | 2,972 |
| Average total loans | $79,239,670 | 4,125 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9349% | 2,114 |
| Cost of funding earning assets | 0.9711% | 2,152 |
| Net interest margin | 3.9638% | 2,653 |
| Noninterest income to average assets | 1.8728% | 459 |
| Noninterest expense to average assets | 3.7424% | 1,311 |
| Loan and lease loss provision to assets | 0.2345% | 2,597 |
| Net operating income to assets | 1.4820% | 1,055 |
| Return on assets (ROA) | 1.6070% | 952 |
| Pretax return on assets | 1.6070% | 1,547 |
| Return on Equity (ROE) | 9.5335% | 2,593 |
| Retained earnings to average equity (ytd only) | 9.5335% | 1,404 |
| Net charge-offs to loans | 0.8545% | 1,201 |
| Credit loss provision to net charge-offs | 44.6429% | 3,369 |
| Earnings coverage of net charge-offs (x) | 3.2679% | 2,896 |
| Efficiency ratio | 68.5567% | 4,057 |
| Assets per employee ($millions) | 5.3330% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0328% | 2,259 |
| Loan loss allowance to noncurrent loans | 1,045.5696% | 380 |
| Noncurrent assets plus other real estate owned to assets | 4.4245% | 1,216 |
| Noncurrent loans to loans | 0.1944% | 6,296 |
| Net loans and leases to total assets | 62.2026% | 3,220 |
| Net loans and leases to deposits | 90.5683% | 912 |
| Net loans and leases to core deposits | 100.0013% | 988 |
| Total domestic deposits to total assets | 68.6803% | 7,033 |
| Equity capital to assets | 18.0346% | 337 |
| Core capital (leverage) ratio | 18.3743% | 277 |
| Tier 1 risk-based capital ratio | 23.3488% | 1,087 |
| Total risk-based capital ratio | 24.5909% | 1,065 |
| Memoranda: | ||
| Average total assets | $127,939,000 | 4,283 |
| Average earning assets | $115,746,500 | 4,298 |
| Average equity | $21,566,000 | 3,028 |
| Average total loans | $78,640,500 | 4,165 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8701% | 3,497 |
| Cost of funding earning assets | 1.1936% | 2,075 |
| Net interest margin | 3.6765% | 4,408 |
| Noninterest income to average assets | 0.8087% | 2,011 |
| Noninterest expense to average assets | 4.1354% | 870 |
| Loan and lease loss provision to assets | 0.1596% | 4,630 |
| Net operating income to assets | -0.0403% | 6,093 |
| Return on assets (ROA) | 0.1778% | 5,792 |
| Pretax return on assets | 0.1778% | 5,837 |
| Return on Equity (ROE) | 1.2008% | 5,914 |
| Retained earnings to average equity (ytd only) | 1.2008% | 5,290 |
| Net charge-offs to loans | 2.4096% | 495 |
| Credit loss provision to net charge-offs | 10.8978% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.0815% | 5,768 |
| Efficiency ratio | 97.1954% | 764 |
| Assets per employee ($millions) | 4.9187% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2956% | 1,619 |
| Loan loss allowance to noncurrent loans | 139.3770% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 5.1820% | 1,011 |
| Noncurrent loans to loans | 1.6471% | 3,692 |
| Net loans and leases to total assets | 58.0748% | 4,355 |
| Net loans and leases to deposits | 78.3660% | 2,777 |
| Net loans and leases to core deposits | 90.4352% | 2,064 |
| Total domestic deposits to total assets | 74.1072% | 6,705 |
| Equity capital to assets | 15.6774% | 636 |
| Core capital (leverage) ratio | 15.3075% | 557 |
| Tier 1 risk-based capital ratio | 21.8008% | 1,263 |
| Total risk-based capital ratio | 23.0587% | 1,232 |
| Memoranda: | ||
| Average total assets | $131,572,200 | 4,138 |
| Average earning assets | $123,324,200 | 4,067 |
| Average equity | $19,486,600 | 3,214 |
| Average total loans | $79,971,400 | 4,141 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9133% | 3,494 |
| Cost of funding earning assets | 1.2190% | 2,201 |
| Net interest margin | 3.6943% | 4,358 |
| Noninterest income to average assets | 0.7225% | 2,470 |
| Noninterest expense to average assets | 4.0413% | 961 |
| Loan and lease loss provision to assets | 0.2113% | 3,911 |
| Net operating income to assets | -0.0473% | 6,213 |
| Return on assets (ROA) | 0.0131% | 6,236 |
| Pretax return on assets | 0.0131% | 6,215 |
| Return on Equity (ROE) | 0.0896% | 6,241 |
| Retained earnings to average equity (ytd only) | 0.0896% | 5,926 |
| Net charge-offs to loans | 2.8013% | 357 |
| Credit loss provision to net charge-offs | 12.3457% | 5,647 |
| Earnings coverage of net charge-offs (x) | 0.0958% | 5,529 |
| Efficiency ratio | 96.0995% | 814 |
| Assets per employee ($millions) | 4.7133% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5885% | 1,282 |
| Loan loss allowance to noncurrent loans | 56.8012% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 5.4448% | 1,029 |
| Noncurrent loans to loans | 4.5571% | 1,417 |
| Net loans and leases to total assets | 58.2859% | 4,459 |
| Net loans and leases to deposits | 79.1324% | 2,786 |
| Net loans and leases to core deposits | 93.3605% | 1,844 |
| Total domestic deposits to total assets | 73.6561% | 6,795 |
| Equity capital to assets | 15.8724% | 655 |
| Core capital (leverage) ratio | 15.1930% | 630 |
| Tier 1 risk-based capital ratio | 21.3500% | 1,391 |
| Total risk-based capital ratio | 22.6113% | 1,364 |
| Memoranda: | ||
| Average total assets | $132,494,000 | 4,142 |
| Average earning assets | $124,910,750 | 4,065 |
| Average equity | $19,346,000 | 3,235 |
| Average total loans | $80,960,750 | 4,145 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9391% | 3,449 |
| Cost of funding earning assets | 1.2698% | 2,120 |
| Net interest margin | 3.6693% | 4,417 |
| Noninterest income to average assets | 0.7271% | 2,392 |
| Noninterest expense to average assets | 4.0331% | 1,000 |
| Loan and lease loss provision to assets | 0.3129% | 2,917 |
| Net operating income to assets | -0.1445% | 6,410 |
| Return on assets (ROA) | -0.0551% | 6,358 |
| Pretax return on assets | -0.0551% | 6,321 |
| Return on Equity (ROE) | -0.3882% | 6,345 |
| Retained earnings to average equity (ytd only) | -0.3882% | 5,926 |
| Net charge-offs to loans | 0.4990% | 2,608 |
| Credit loss provision to net charge-offs | 101.9417% | 3,033 |
| Earnings coverage of net charge-offs (x) | 0.5485% | 4,894 |
| Efficiency ratio | 95.9929% | 880 |
| Assets per employee ($millions) | 5.1524% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5904% | 258 |
| Loan loss allowance to noncurrent loans | 76.6527% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 6.1968% | 890 |
| Noncurrent loans to loans | 5.9885% | 998 |
| Net loans and leases to total assets | 55.9441% | 5,007 |
| Net loans and leases to deposits | 74.8561% | 3,665 |
| Net loans and leases to core deposits | 89.8684% | 2,386 |
| Total domestic deposits to total assets | 74.7355% | 6,760 |
| Equity capital to assets | 15.1069% | 796 |
| Core capital (leverage) ratio | 14.7988% | 705 |
| Tier 1 risk-based capital ratio | 21.3042% | 1,364 |
| Total risk-based capital ratio | 22.5868% | 1,341 |
| Memoranda: | ||
| Average total assets | $134,239,000 | 4,139 |
| Average earning assets | $127,109,330 | 4,041 |
| Average equity | $19,061,670 | 3,259 |
| Average total loans | $82,566,000 | 4,140 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 3,951 |
| Cost of funding earning assets | 1.3203% | 2,063 |
| Net interest margin | 3.5014% | 5,006 |
| Noninterest income to average assets | 0.9405% | 1,501 |
| Noninterest expense to average assets | 3.9225% | 1,146 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3563% | 5,143 |
| Return on assets (ROA) | 0.5403% | 4,395 |
| Pretax return on assets | 0.5403% | 4,895 |
| Return on Equity (ROE) | 3.9230% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.9230% | 3,816 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6724% | 1,186 |
| Assets per employee ($millions) | 5.1520% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0526% | 411 |
| Loan loss allowance to noncurrent loans | 43.6350% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 6.1276% | 928 |
| Noncurrent loans to loans | 9.2875% | 464 |
| Net loans and leases to total assets | 61.1903% | 4,041 |
| Net loans and leases to deposits | 80.4643% | 2,619 |
| Net loans and leases to core deposits | 99.1065% | 1,419 |
| Total domestic deposits to total assets | 76.0465% | 6,665 |
| Equity capital to assets | 14.1380% | 967 |
| Core capital (leverage) ratio | 14.4110% | 757 |
| Tier 1 risk-based capital ratio | 19.8688% | 1,612 |
| Total risk-based capital ratio | 21.1466% | 1,573 |
| Memoranda: | ||
| Average total assets | $136,954,000 | 4,121 |
| Average earning assets | $130,576,000 | 4,014 |
| Average equity | $18,863,000 | 3,272 |
| Average total loans | $86,085,000 | 4,075 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9706% | 4,691 |
| Cost of funding earning assets | 1.5861% | 2,153 |
| Net interest margin | 3.3844% | 5,688 |
| Noninterest income to average assets | 0.8147% | 2,205 |
| Noninterest expense to average assets | 3.8643% | 1,372 |
| Loan and lease loss provision to assets | 3.5774% | 213 |
| Net operating income to assets | -3.3891% | 7,356 |
| Return on assets (ROA) | -2.8263% | 7,277 |
| Pretax return on assets | -2.8263% | 7,255 |
| Return on Equity (ROE) | -18.3227% | 7,008 |
| Retained earnings to average equity (ytd only) | -18.3227% | 6,980 |
| Net charge-offs to loans | 3.8662% | 341 |
| Credit loss provision to net charge-offs | 165.1907% | 2,080 |
| Earnings coverage of net charge-offs (x) | 0.0869% | 6,032 |
| Efficiency ratio | 95.3541% | 992 |
| Assets per employee ($millions) | 6.0851% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9911% | 407 |
| Loan loss allowance to noncurrent loans | 42.4942% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 6.0290% | 984 |
| Noncurrent loans to loans | 9.3921% | 470 |
| Net loans and leases to total assets | 59.5047% | 4,759 |
| Net loans and leases to deposits | 77.5161% | 3,588 |
| Net loans and leases to core deposits | 103.0527% | 1,385 |
| Total domestic deposits to total assets | 76.7643% | 6,523 |
| Equity capital to assets | 13.4241% | 1,207 |
| Core capital (leverage) ratio | 13.1998% | 1,060 |
| Tier 1 risk-based capital ratio | 18.9292% | 1,737 |
| Total risk-based capital ratio | 20.2071% | 1,699 |
| Memoranda: | ||
| Average total assets | $142,870,200 | 4,009 |
| Average earning assets | $136,684,200 | 3,884 |
| Average equity | $22,038,200 | 2,871 |
| Average total loans | $80,027,200 | 4,345 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0303% | 4,674 |
| Cost of funding earning assets | 1.6178% | 2,288 |
| Net interest margin | 3.4125% | 5,629 |
| Noninterest income to average assets | 0.6156% | 3,349 |
| Noninterest expense to average assets | 4.0686% | 965 |
| Loan and lease loss provision to assets | 2.6666% | 369 |
| Net operating income to assets | -2.8588% | 7,420 |
| Return on assets (ROA) | -2.4503% | 7,351 |
| Pretax return on assets | -2.4503% | 7,308 |
| Return on Equity (ROE) | -15.3981% | 7,121 |
| Retained earnings to average equity (ytd only) | -15.3981% | 7,095 |
| Net charge-offs to loans | 3.4563% | 399 |
| Credit loss provision to net charge-offs | 141.4082% | 2,798 |
| Earnings coverage of net charge-offs (x) | -0.1019% | 6,110 |
| Efficiency ratio | 104.9581% | 616 |
| Assets per employee ($millions) | 6.3932% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6453% | 1,148 |
| Loan loss allowance to noncurrent loans | 38.5432% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 4.0551% | 1,718 |
| Noncurrent loans to loans | 6.8631% | 835 |
| Net loans and leases to total assets | 54.8323% | 5,727 |
| Net loans and leases to deposits | 72.4448% | 4,768 |
| Net loans and leases to core deposits | 101.6529% | 1,691 |
| Total domestic deposits to total assets | 75.6884% | 6,706 |
| Equity capital to assets | 13.9249% | 1,191 |
| Core capital (leverage) ratio | 13.6703% | 1,001 |
| Tier 1 risk-based capital ratio | 18.2271% | 1,956 |
| Total risk-based capital ratio | 19.4864% | 1,911 |
| Memoranda: | ||
| Average total assets | $143,598,500 | 4,046 |
| Average earning assets | $137,217,000 | 3,915 |
| Average equity | $22,850,750 | 2,823 |
| Average total loans | $78,348,250 | 4,452 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1011% | 4,449 |
| Cost of funding earning assets | 1.6279% | 2,494 |
| Net interest margin | 3.4732% | 5,354 |
| Noninterest income to average assets | 0.7127% | 2,633 |
| Noninterest expense to average assets | 3.7842% | 1,387 |
| Loan and lease loss provision to assets | 1.0519% | 1,374 |
| Net operating income to assets | -0.7996% | 6,865 |
| Return on assets (ROA) | -0.2551% | 6,462 |
| Pretax return on assets | -0.2551% | 6,378 |
| Return on Equity (ROE) | -1.5335% | 6,379 |
| Retained earnings to average equity (ytd only) | -1.5335% | 6,073 |
| Net charge-offs to loans | 0.2643% | 4,018 |
| Credit loss provision to net charge-offs | 738.0000% | 511 |
| Earnings coverage of net charge-offs (x) | 1.7700% | 4,191 |
| Efficiency ratio | 93.7500% | 1,079 |
| Assets per employee ($millions) | 6.0729% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5513% | 1,237 |
| Loan loss allowance to noncurrent loans | 35.4855% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 4.0580% | 1,691 |
| Noncurrent loans to loans | 7.1897% | 770 |
| Net loans and leases to total assets | 52.4044% | 6,171 |
| Net loans and leases to deposits | 69.7606% | 5,317 |
| Net loans and leases to core deposits | 100.4254% | 1,969 |
| Total domestic deposits to total assets | 75.1204% | 6,839 |
| Equity capital to assets | 15.2948% | 823 |
| Core capital (leverage) ratio | 15.6912% | 607 |
| Tier 1 risk-based capital ratio | 19.3019% | 1,652 |
| Total risk-based capital ratio | 20.5614% | 1,614 |
| Memoranda: | ||
| Average total assets | $140,319,000 | 4,132 |
| Average earning assets | $134,285,670 | 4,016 |
| Average equity | $23,345,670 | 2,757 |
| Average total loans | $75,658,000 | 4,579 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1405% | 4,342 |
| Cost of funding earning assets | 1.6153% | 2,866 |
| Net interest margin | 3.5252% | 5,059 |
| Noninterest income to average assets | 1.2009% | 843 |
| Noninterest expense to average assets | 4.0337% | 981 |
| Loan and lease loss provision to assets | 0.5856% | 2,163 |
| Net operating income to assets | -0.0386% | 6,358 |
| Return on assets (ROA) | 0.1546% | 5,966 |
| Pretax return on assets | 0.1546% | 6,006 |
| Return on Equity (ROE) | 0.8886% | 6,147 |
| Retained earnings to average equity (ytd only) | 0.8886% | 5,456 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0597% | 1,581 |
| Assets per employee ($millions) | 5.5868% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1552% | 1,840 |
| Loan loss allowance to noncurrent loans | 27.9898% | 6,531 |
| Noncurrent assets plus other real estate owned to assets | 4.2414% | 1,605 |
| Noncurrent loans to loans | 7.6999% | 722 |
| Net loans and leases to total assets | 51.3517% | 6,338 |
| Net loans and leases to deposits | 76.9069% | 4,237 |
| Net loans and leases to core deposits | 87.1137% | 3,734 |
| Total domestic deposits to total assets | 66.7713% | 7,584 |
| Equity capital to assets | 16.2188% | 642 |
| Core capital (leverage) ratio | 17.5923% | 389 |
| Tier 1 risk-based capital ratio | 21.8131% | 1,223 |
| Total risk-based capital ratio | 23.0753% | 1,213 |
| Memoranda: | ||
| Average total assets | $134,567,000 | 4,313 |
| Average earning assets | $129,015,000 | 4,170 |
| Average equity | $23,408,000 | 2,779 |
| Average total loans | $72,664,500 | 4,756 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9862% | 6,482 |
| Cost of funding earning assets | 1.8787% | 3,567 |
| Net interest margin | 3.1074% | 6,345 |
| Noninterest income to average assets | 0.2233% | 6,516 |
| Noninterest expense to average assets | 5.0558% | 499 |
| Loan and lease loss provision to assets | 2.3975% | 842 |
| Net operating income to assets | -4.2929% | 7,650 |
| Return on assets (ROA) | -3.0397% | 7,411 |
| Pretax return on assets | -3.0397% | 7,303 |
| Return on Equity (ROE) | -11.6717% | 6,746 |
| Retained earnings to average equity (ytd only) | -11.6717% | 6,657 |
| Net charge-offs to loans | 2.4577% | 934 |
| Credit loss provision to net charge-offs | 187.0000% | 2,164 |
| Earnings coverage of net charge-offs (x) | -1.4783% | 6,956 |
| Efficiency ratio | 159.9730% | 254 |
| Assets per employee ($millions) | 4.5880% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0928% | 1,838 |
| Loan loss allowance to noncurrent loans | 23.4702% | 6,882 |
| Noncurrent assets plus other real estate owned to assets | 4.9735% | 1,238 |
| Noncurrent loans to loans | 8.9168% | 515 |
| Net loans and leases to total assets | 54.6090% | 6,132 |
| Net loans and leases to deposits | 88.9438% | 2,399 |
| Net loans and leases to core deposits | 169.1200% | 243 |
| Total domestic deposits to total assets | 61.3972% | 7,778 |
| Equity capital to assets | 18.7743% | 387 |
| Core capital (leverage) ratio | 20.1295% | 269 |
| Tier 1 risk-based capital ratio | 24.5043% | 899 |
| Total risk-based capital ratio | 25.7677% | 874 |
| Memoranda: | ||
| Average total assets | $93,596,200 | 5,282 |
| Average earning assets | $88,465,000 | 5,172 |
| Average equity | $24,375,200 | 2,674 |
| Average total loans | $48,826,600 | 5,724 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0173% | 6,551 |
| Cost of funding earning assets | 1.9539% | 3,600 |
| Net interest margin | 3.0634% | 6,425 |
| Noninterest income to average assets | 0.0062% | 7,817 |
| Noninterest expense to average assets | 5.1626% | 435 |
| Loan and lease loss provision to assets | 2.3605% | 721 |
| Net operating income to assets | -4.6326% | 7,805 |
| Return on assets (ROA) | -3.5570% | 7,699 |
| Pretax return on assets | -3.5570% | 7,618 |
| Return on Equity (ROE) | -12.4111% | 7,042 |
| Retained earnings to average equity (ytd only) | -12.4111% | 6,967 |
| Net charge-offs to loans | 1.3650% | 1,504 |
| Credit loss provision to net charge-offs | 339.9554% | 1,205 |
| Earnings coverage of net charge-offs (x) | -3.2723% | 6,812 |
| Efficiency ratio | 178.6059% | 206 |
| Assets per employee ($millions) | 4.3632% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6962% | 888 |
| Loan loss allowance to noncurrent loans | 22.2893% | 6,955 |
| Noncurrent assets plus other real estate owned to assets | 6.0708% | 879 |
| Noncurrent loans to loans | 12.0965% | 264 |
| Net loans and leases to total assets | 48.8330% | 6,880 |
| Net loans and leases to deposits | 78.4746% | 4,668 |
| Net loans and leases to core deposits | 132.8321% | 1,282 |
| Total domestic deposits to total assets | 62.2277% | 7,816 |
| Equity capital to assets | 22.1379% | 241 |
| Core capital (leverage) ratio | 23.8515% | 192 |
| Tier 1 risk-based capital ratio | 29.8771% | 574 |
| Total risk-based capital ratio | 31.1343% | 558 |
| Memoranda: | ||
| Average total assets | $86,026,000 | 5,552 |
| Average earning assets | $80,998,250 | 5,457 |
| Average equity | $24,654,750 | 2,667 |
| Average total loans | $43,759,750 | 5,982 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2869% | 5,711 |
| Cost of funding earning assets | 2.0597% | 3,476 |
| Net interest margin | 3.2272% | 5,813 |
| Noninterest income to average assets | 0.0281% | 7,844 |
| Noninterest expense to average assets | 5.4735% | 386 |
| Loan and lease loss provision to assets | 1.7947% | 919 |
| Net operating income to assets | -4.2200% | 7,859 |
| Return on assets (ROA) | -3.1554% | 7,701 |
| Pretax return on assets | -3.1554% | 7,605 |
| Return on Equity (ROE) | -9.9582% | 7,031 |
| Retained earnings to average equity (ytd only) | -9.9582% | 6,872 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 179.5645% | 252 |
| Assets per employee ($millions) | 4.2311% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2979% | 1,103 |
| Loan loss allowance to noncurrent loans | 28.1385% | 6,624 |
| Noncurrent assets plus other real estate owned to assets | 4.4196% | 1,279 |
| Noncurrent loans to loans | 8.1664% | 533 |
| Net loans and leases to total assets | 52.8755% | 6,580 |
| Net loans and leases to deposits | 88.7642% | 3,040 |
| Net loans and leases to core deposits | 149.9968% | 652 |
| Total domestic deposits to total assets | 59.5685% | 7,943 |
| Equity capital to assets | 27.2177% | 169 |
| Core capital (leverage) ratio | 28.2028% | 158 |
| Tier 1 risk-based capital ratio | 34.5593% | 429 |
| Total risk-based capital ratio | 35.8131% | 424 |
| Memoranda: | ||
| Average total assets | $78,341,330 | 5,849 |
| Average earning assets | $73,313,330 | 5,777 |
| Average equity | $24,823,670 | 2,657 |
| Average total loans | $40,098,670 | 6,203 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3726% | 5,562 |
| Cost of funding earning assets | 2.2347% | 2,989 |
| Net interest margin | 3.1379% | 6,073 |
| Noninterest income to average assets | 0.0219% | 7,967 |
| Noninterest expense to average assets | 5.8343% | 307 |
| Loan and lease loss provision to assets | 0.5637% | 2,229 |
| Net operating income to assets | -3.4480% | 7,914 |
| Return on assets (ROA) | -2.7365% | 7,805 |
| Pretax return on assets | -2.7365% | 7,708 |
| Return on Equity (ROE) | -7.9543% | 7,236 |
| Retained earnings to average equity (ytd only) | -7.9543% | 6,910 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 197.7737% | 191 |
| Assets per employee ($millions) | 3.8647% | 3,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 4,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 48.9767% | 6,949 |
| Net loans and leases to deposits | 90.3448% | 2,875 |
| Net loans and leases to core deposits | 141.2344% | 1,055 |
| Total domestic deposits to total assets | 54.2109% | 8,070 |
| Equity capital to assets | 31.1216% | 133 |
| Core capital (leverage) ratio | 32.2844% | 132 |
| Tier 1 risk-based capital ratio | 40.9508% | 306 |
| Total risk-based capital ratio | 41.7862% | 305 |
| Memoranda: | ||
| Average total assets | $73,085,000 | 6,026 |
| Average earning assets | $68,197,500 | 5,975 |
| Average equity | $25,143,500 | 2,638 |
| Average total loans | $36,104,500 | 6,437 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3790% | 8,054 |
| Cost of funding earning assets | 0.8602% | 8,103 |
| Net interest margin | 3.5187% | 5,233 |
| Noninterest income to average assets | 0.0307% | 7,979 |
| Noninterest expense to average assets | 9.6091% | 153 |
| Loan and lease loss provision to assets | 0.8813% | 1,695 |
| Net operating income to assets | -7.1865% | 8,202 |
| Return on assets (ROA) | -6.9739% | 8,190 |
| Pretax return on assets | -6.9739% | 8,161 |
| Return on Equity (ROE) | -12.5598% | 7,467 |
| Retained earnings to average equity (ytd only) | -12.5598% | 7,292 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 290.8427% | 111 |
| Assets per employee ($millions) | 3.2506% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 4,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 48.5349% | 7,146 |
| Net loans and leases to deposits | 113.5940% | 634 |
| Net loans and leases to core deposits | 158.3906% | 610 |
| Total domestic deposits to total assets | 42.7266% | 8,175 |
| Equity capital to assets | 38.4996% | 109 |
| Core capital (leverage) ratio | 46.1045% | 91 |
| Tier 1 risk-based capital ratio | 52.9789% | 191 |
| Total risk-based capital ratio | 53.8407% | 192 |
| Memoranda: | ||
| Average total assets | $45,613,000 | 6,955 |
| Average earning assets | $42,430,250 | 6,929 |
| Average equity | $25,326,750 | 2,618 |
| Average total loans | $16,742,250 | 7,534 |