Home > Vista Bank > Performance and Condition Ratios
Vista 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 | 6.5260% | 601 |
| Cost of funding earning assets | 2.7951% | 491 |
| Net interest margin | 3.7309% | 1,820 |
| Noninterest income to average assets | 2.5000% | 215 |
| Noninterest expense to average assets | 2.6234% | 1,959 |
| Loan and lease loss provision to assets | 1.5000% | 57 |
| Net operating income to assets | 1.5289% | 1,040 |
| Return on assets (ROA) | 1.5291% | 1,038 |
| Pretax return on assets | 1.9581% | 747 |
| Return on Equity (ROE) | 14.4400% | 1,183 |
| Retained earnings to average equity (ytd only) | 14.4351% | 487 |
| Net charge-offs to loans | 1.9435% | 79 |
| Credit loss provision to net charge-offs | 102.4142% | 1,243 |
| Earnings coverage of net charge-offs (x) | 2.3587% | 2,078 |
| Efficiency ratio | 42.2112% | 4,229 |
| Assets per employee ($millions) | 12.2519% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 2,121 |
| Loan loss allowance to noncurrent loans | 410.6329% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 2,148 |
| Noncurrent loans to loans | 0.2953% | 2,431 |
| Net loans and leases to total assets | 75.2400% | 1,179 |
| Net loans and leases to deposits | 85.9404% | 1,497 |
| Net loans and leases to core deposits | 100.3360% | 1,349 |
| Total domestic deposits to total assets | 87.5500% | 1,713 |
| Equity capital to assets | 11.1446% | 1,590 |
| Core capital (leverage) ratio | 10.8127% | 2,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6343% | 1,348 |
| Memoranda: | ||
| Average total assets | $2,518,529,000 | 498 |
| Average earning assets | $2,417,976,500 | 478 |
| Average equity | $266,793,500 | 482 |
| Average total loans | $1,901,137,000 | 466 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9196% | 437 |
| Cost of funding earning assets | 2.9608% | 538 |
| Net interest margin | 3.9589% | 1,247 |
| Noninterest income to average assets | 0.2900% | 3,113 |
| Noninterest expense to average assets | 2.4175% | 2,535 |
| Loan and lease loss provision to assets | 0.1600% | 863 |
| Net operating income to assets | 1.1813% | 1,550 |
| Return on assets (ROA) | 1.1817% | 1,547 |
| Pretax return on assets | 1.4895% | 1,297 |
| Return on Equity (ROE) | 11.2500% | 1,811 |
| Retained earnings to average equity (ytd only) | 11.2465% | 400 |
| Net charge-offs to loans | 0.0030% | 2,883 |
| Credit loss provision to net charge-offs | 6,805.8824% | 73 |
| Earnings coverage of net charge-offs (x) | 759.0980% | 178 |
| Efficiency ratio | 58.8429% | 3,288 |
| Assets per employee ($millions) | 11.0124% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 2,442 |
| Loan loss allowance to noncurrent loans | 503.4327% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 2,550 |
| Noncurrent loans to loans | 0.2276% | 2,609 |
| Net loans and leases to total assets | 73.9900% | 1,401 |
| Net loans and leases to deposits | 83.7208% | 1,808 |
| Net loans and leases to core deposits | 95.1201% | 1,765 |
| Total domestic deposits to total assets | 88.3800% | 1,369 |
| Equity capital to assets | 10.0760% | 2,084 |
| Core capital (leverage) ratio | 10.5573% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2058% | 1,789 |
| Memoranda: | ||
| Average total assets | $2,350,869,200 | 508 |
| Average earning assets | $2,242,226,400 | 493 |
| Average equity | $247,009,600 | 484 |
| Average total loans | $1,720,435,800 | 488 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9621% | 411 |
| Cost of funding earning assets | 3.0013% | 510 |
| Net interest margin | 3.9608% | 1,209 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 2.4642% | 2,357 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | 1.1205% | 1,705 |
| Return on assets (ROA) | 1.1211% | 1,708 |
| Pretax return on assets | 1.4067% | 1,491 |
| Return on Equity (ROE) | 10.5500% | 2,038 |
| Retained earnings to average equity (ytd only) | 10.5466% | 735 |
| Net charge-offs to loans | 0.0323% | 1,680 |
| Credit loss provision to net charge-offs | 605.7072% | 554 |
| Earnings coverage of net charge-offs (x) | 66.5409% | 1,032 |
| Efficiency ratio | 60.5420% | 3,106 |
| Assets per employee ($millions) | 10.2137% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 2,478 |
| Loan loss allowance to noncurrent loans | 311.3146% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 2,072 |
| Noncurrent loans to loans | 0.3699% | 2,166 |
| Net loans and leases to total assets | 74.4600% | 1,305 |
| Net loans and leases to deposits | 84.7275% | 1,756 |
| Net loans and leases to core deposits | 92.1046% | 2,007 |
| Total domestic deposits to total assets | 87.8800% | 1,278 |
| Equity capital to assets | 10.5462% | 1,958 |
| Core capital (leverage) ratio | 11.0152% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1296% | 1,851 |
| Memoranda: | ||
| Average total assets | $2,288,852,500 | 518 |
| Average earning assets | $2,180,121,750 | 503 |
| Average equity | $243,295,000 | 485 |
| Average total loans | $1,664,236,500 | 495 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9483% | 389 |
| Cost of funding earning assets | 2.9754% | 487 |
| Net interest margin | 3.9729% | 1,152 |
| Noninterest income to average assets | 0.2400% | 3,419 |
| Noninterest expense to average assets | 2.5005% | 2,243 |
| Loan and lease loss provision to assets | 0.1300% | 903 |
| Net operating income to assets | 1.1109% | 1,694 |
| Return on assets (ROA) | 1.1118% | 1,690 |
| Pretax return on assets | 1.3880% | 1,506 |
| Return on Equity (ROE) | 10.4300% | 2,047 |
| Retained earnings to average equity (ytd only) | 10.4299% | 785 |
| Net charge-offs to loans | 0.0483% | 1,312 |
| Credit loss provision to net charge-offs | 318.2051% | 792 |
| Earnings coverage of net charge-offs (x) | 43.7718% | 1,204 |
| Efficiency ratio | 61.5414% | 3,044 |
| Assets per employee ($millions) | 9.7076% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 2,381 |
| Loan loss allowance to noncurrent loans | 524.8270% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 1.1170% | 510 |
| Noncurrent loans to loans | 0.2236% | 2,598 |
| Net loans and leases to total assets | 74.0800% | 1,404 |
| Net loans and leases to deposits | 85.3828% | 1,714 |
| Net loans and leases to core deposits | 92.4095% | 1,971 |
| Total domestic deposits to total assets | 86.7600% | 1,736 |
| Equity capital to assets | 10.9685% | 1,590 |
| Core capital (leverage) ratio | 10.9562% | 2,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3929% | 1,741 |
| Memoranda: | ||
| Average total assets | $2,248,326,667 | 524 |
| Average earning assets | $2,139,129,333 | 506 |
| Average equity | $239,657,333 | 489 |
| Average total loans | $1,613,721,000 | 504 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7560% | 441 |
| Cost of funding earning assets | 2.8853% | 520 |
| Net interest margin | 3.8707% | 1,266 |
| Noninterest income to average assets | 0.2600% | 3,210 |
| Noninterest expense to average assets | 2.4164% | 2,466 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 1.0065% | 1,908 |
| Return on assets (ROA) | 1.0065% | 1,917 |
| Pretax return on assets | 1.2743% | 1,698 |
| Return on Equity (ROE) | 9.5800% | 2,243 |
| Retained earnings to average equity (ytd only) | 9.5812% | 1,189 |
| Net charge-offs to loans | 0.0144% | 1,585 |
| Credit loss provision to net charge-offs | 2,596.4912% | 163 |
| Earnings coverage of net charge-offs (x) | 151.7895% | 508 |
| Efficiency ratio | 61.1181% | 3,143 |
| Assets per employee ($millions) | 9.8033% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 1,936 |
| Loan loss allowance to noncurrent loans | 461.1679% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 2,337 |
| Noncurrent loans to loans | 0.2739% | 2,331 |
| Net loans and leases to total assets | 70.3600% | 1,767 |
| Net loans and leases to deposits | 80.0977% | 2,049 |
| Net loans and leases to core deposits | 87.3545% | 2,215 |
| Total domestic deposits to total assets | 87.8500% | 1,470 |
| Equity capital to assets | 10.5991% | 1,686 |
| Core capital (leverage) ratio | 10.6077% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5307% | 1,390 |
| Memoranda: | ||
| Average total assets | $2,251,260,500 | 525 |
| Average earning assets | $2,148,256,500 | 506 |
| Average equity | $236,504,000 | 499 |
| Average total loans | $1,580,142,000 | 515 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4764% | 358 |
| Cost of funding earning assets | 2.0187% | 893 |
| Net interest margin | 4.4577% | 653 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.5470% | 2,163 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 1.3984% | 1,220 |
| Return on assets (ROA) | 1.3984% | 1,191 |
| Pretax return on assets | 1.7738% | 919 |
| Return on Equity (ROE) | 12.7000% | 1,798 |
| Retained earnings to average equity (ytd only) | 12.7039% | 543 |
| Net charge-offs to loans | 0.3570% | 304 |
| Credit loss provision to net charge-offs | 80.2090% | 2,022 |
| Earnings coverage of net charge-offs (x) | 7.6329% | 2,389 |
| Efficiency ratio | 56.0631% | 3,490 |
| Assets per employee ($millions) | 10.1709% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 2,208 |
| Loan loss allowance to noncurrent loans | 1,835.8949% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 3,228 |
| Noncurrent loans to loans | 0.0662% | 3,238 |
| Net loans and leases to total assets | 68.2700% | 2,004 |
| Net loans and leases to deposits | 77.8542% | 2,278 |
| Net loans and leases to core deposits | 86.0477% | 2,304 |
| Total domestic deposits to total assets | 87.6900% | 1,454 |
| Equity capital to assets | 10.4114% | 1,775 |
| Core capital (leverage) ratio | 11.2816% | 1,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2630% | 1,459 |
| Memoranda: | ||
| Average total assets | $1,871,146,200 | 606 |
| Average earning assets | $1,780,139,400 | 581 |
| Average equity | $205,969,000 | 526 |
| Average total loans | $1,367,416,600 | 558 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4139% | 334 |
| Cost of funding earning assets | 1.7889% | 1,027 |
| Net interest margin | 4.6250% | 509 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.5148% | 2,186 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 1.5312% | 1,061 |
| Return on assets (ROA) | 1.5312% | 1,043 |
| Pretax return on assets | 1.9403% | 818 |
| Return on Equity (ROE) | 13.6800% | 1,741 |
| Retained earnings to average equity (ytd only) | 13.6764% | 717 |
| Net charge-offs to loans | 0.4029% | 212 |
| Credit loss provision to net charge-offs | 86.4228% | 1,721 |
| Earnings coverage of net charge-offs (x) | 7.3422% | 2,240 |
| Efficiency ratio | 53.2637% | 3,653 |
| Assets per employee ($millions) | 9.7028% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 1,762 |
| Loan loss allowance to noncurrent loans | 976.0243% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 2,852 |
| Noncurrent loans to loans | 0.1357% | 2,877 |
| Net loans and leases to total assets | 72.3000% | 1,538 |
| Net loans and leases to deposits | 83.6117% | 1,771 |
| Net loans and leases to core deposits | 92.9440% | 1,737 |
| Total domestic deposits to total assets | 86.4700% | 2,049 |
| Equity capital to assets | 11.2571% | 1,253 |
| Core capital (leverage) ratio | 11.6530% | 1,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7482% | 1,377 |
| Memoranda: | ||
| Average total assets | $1,776,990,000 | 631 |
| Average earning assets | $1,690,051,250 | 613 |
| Average equity | $198,955,250 | 535 |
| Average total loans | $1,320,909,500 | 576 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1557% | 368 |
| Cost of funding earning assets | 1.4782% | 1,285 |
| Net interest margin | 4.6775% | 474 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.4549% | 2,333 |
| Loan and lease loss provision to assets | 0.3500% | 253 |
| Net operating income to assets | 1.5607% | 1,004 |
| Return on assets (ROA) | 1.5607% | 1,000 |
| Pretax return on assets | 1.9764% | 774 |
| Return on Equity (ROE) | 13.9700% | 1,687 |
| Retained earnings to average equity (ytd only) | 13.9690% | 683 |
| Net charge-offs to loans | 0.6286% | 133 |
| Credit loss provision to net charge-offs | 74.2080% | 1,575 |
| Earnings coverage of net charge-offs (x) | 4.9481% | 2,195 |
| Efficiency ratio | 51.2469% | 3,835 |
| Assets per employee ($millions) | 9.4801% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 1,804 |
| Loan loss allowance to noncurrent loans | 16,494.7368% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 3,689 |
| Noncurrent loans to loans | 0.0081% | 3,741 |
| Net loans and leases to total assets | 72.5600% | 1,461 |
| Net loans and leases to deposits | 85.2729% | 1,565 |
| Net loans and leases to core deposits | 98.3581% | 1,327 |
| Total domestic deposits to total assets | 85.0900% | 2,520 |
| Equity capital to assets | 11.3803% | 1,238 |
| Core capital (leverage) ratio | 12.2089% | 1,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7828% | 1,367 |
| Memoranda: | ||
| Average total assets | $1,706,295,000 | 639 |
| Average earning assets | $1,623,559,667 | 619 |
| Average equity | $190,636,333 | 546 |
| Average total loans | $1,275,446,333 | 582 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7884% | 425 |
| Cost of funding earning assets | 1.2340% | 1,372 |
| Net interest margin | 4.5544% | 538 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.2018% | 3,095 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.8540% | 612 |
| Return on assets (ROA) | 1.8540% | 603 |
| Pretax return on assets | 2.3423% | 449 |
| Return on Equity (ROE) | 16.7800% | 1,213 |
| Retained earnings to average equity (ytd only) | 16.7821% | 615 |
| Net charge-offs to loans | 0.0445% | 912 |
| Credit loss provision to net charge-offs | 298.5075% | 697 |
| Earnings coverage of net charge-offs (x) | 72.7836% | 938 |
| Efficiency ratio | 47.2850% | 4,134 |
| Assets per employee ($millions) | 10.0009% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6459% | 918 |
| Loan loss allowance to noncurrent loans | 1,003.1936% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 2,578 |
| Noncurrent loans to loans | 0.1641% | 2,669 |
| Net loans and leases to total assets | 73.7000% | 1,239 |
| Net loans and leases to deposits | 84.7823% | 1,442 |
| Net loans and leases to core deposits | 96.1205% | 1,278 |
| Total domestic deposits to total assets | 86.9300% | 2,294 |
| Equity capital to assets | 11.0660% | 1,317 |
| Core capital (leverage) ratio | 12.0293% | 1,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4912% | 1,491 |
| Memoranda: | ||
| Average total assets | $1,597,214,500 | 688 |
| Average earning assets | $1,519,943,500 | 664 |
| Average equity | $176,450,000 | 600 |
| Average total loans | $1,205,563,000 | 622 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 472 |
| Cost of funding earning assets | 0.4762% | 1,545 |
| Net interest margin | 4.2683% | 455 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.2150% | 2,988 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.6321% | 635 |
| Return on assets (ROA) | 1.6321% | 605 |
| Pretax return on assets | 2.0450% | 430 |
| Return on Equity (ROE) | 15.6800% | 1,107 |
| Retained earnings to average equity (ytd only) | 15.6787% | 242 |
| Net charge-offs to loans | 0.0821% | 836 |
| Credit loss provision to net charge-offs | 283.8600% | 939 |
| Earnings coverage of net charge-offs (x) | 36.2359% | 1,566 |
| Efficiency ratio | 49.8145% | 4,140 |
| Assets per employee ($millions) | 9.8383% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 2,138 |
| Loan loss allowance to noncurrent loans | 665.8318% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 2,455 |
| Noncurrent loans to loans | 0.1880% | 2,547 |
| Net loans and leases to total assets | 75.1000% | 1,122 |
| Net loans and leases to deposits | 86.5530% | 1,272 |
| Net loans and leases to core deposits | 100.2482% | 994 |
| Total domestic deposits to total assets | 86.7700% | 2,467 |
| Equity capital to assets | 11.0279% | 1,246 |
| Core capital (leverage) ratio | 11.0004% | 1,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9484% | 1,646 |
| Memoranda: | ||
| Average total assets | $1,446,911,600 | 724 |
| Average earning assets | $1,377,745,400 | 698 |
| Average equity | $150,618,400 | 677 |
| Average total loans | $1,078,645,200 | 639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3624% | 634 |
| Cost of funding earning assets | 0.3177% | 1,986 |
| Net interest margin | 4.0446% | 586 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.1580% | 3,046 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.5128% | 826 |
| Return on assets (ROA) | 1.5128% | 805 |
| Pretax return on assets | 1.8900% | 597 |
| Return on Equity (ROE) | 14.7700% | 1,224 |
| Retained earnings to average equity (ytd only) | 14.7746% | 384 |
| Net charge-offs to loans | 0.0376% | 1,123 |
| Credit loss provision to net charge-offs | 667.2297% | 524 |
| Earnings coverage of net charge-offs (x) | 74.5608% | 1,082 |
| Efficiency ratio | 50.8197% | 4,112 |
| Assets per employee ($millions) | 9.6938% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 2,053 |
| Loan loss allowance to noncurrent loans | 764.4831% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 2,622 |
| Noncurrent loans to loans | 0.1694% | 2,744 |
| Net loans and leases to total assets | 75.2900% | 984 |
| Net loans and leases to deposits | 86.2118% | 1,159 |
| Net loans and leases to core deposits | 97.2674% | 937 |
| Total domestic deposits to total assets | 87.3300% | 2,656 |
| Equity capital to assets | 10.7962% | 1,254 |
| Core capital (leverage) ratio | 11.4552% | 1,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6872% | 1,815 |
| Memoranda: | ||
| Average total assets | $1,417,568,500 | 744 |
| Average earning assets | $1,350,425,500 | 718 |
| Average equity | $145,146,000 | 703 |
| Average total loans | $1,050,897,250 | 655 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 829 |
| Cost of funding earning assets | 0.2289% | 2,520 |
| Net interest margin | 3.8363% | 697 |
| Noninterest income to average assets | 0.3828% | 2,852 |
| Noninterest expense to average assets | 2.1245% | 3,086 |
| Loan and lease loss provision to assets | 0.2345% | 326 |
| Net operating income to assets | 1.3463% | 1,029 |
| Return on assets (ROA) | 1.3463% | 1,009 |
| Pretax return on assets | 1.6757% | 798 |
| Return on Equity (ROE) | 13.4142% | 1,266 |
| Retained earnings to average equity (ytd only) | 13.4142% | 420 |
| Net charge-offs to loans | 0.0807% | 669 |
| Credit loss provision to net charge-offs | 396.3415% | 703 |
| Earnings coverage of net charge-offs (x) | 32.2878% | 1,361 |
| Efficiency ratio | 52.4910% | 4,088 |
| Assets per employee ($millions) | 9.8057% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 2,137 |
| Loan loss allowance to noncurrent loans | 3,413.6792% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 3,572 |
| Noncurrent loans to loans | 0.0384% | 3,662 |
| Net loans and leases to total assets | 75.5674% | 771 |
| Net loans and leases to deposits | 86.0830% | 966 |
| Net loans and leases to core deposits | 96.1604% | 824 |
| Total domestic deposits to total assets | 87.7844% | 2,662 |
| Equity capital to assets | 10.0035% | 1,713 |
| Core capital (leverage) ratio | 10.5577% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6041% | 2,247 |
| Memoranda: | ||
| Average total assets | $1,386,015,000 | 752 |
| Average earning assets | $1,319,384,333 | 730 |
| Average equity | $139,106,667 | 727 |
| Average total loans | $1,016,698,667 | 666 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9117% | 910 |
| Cost of funding earning assets | 0.1533% | 3,459 |
| Net interest margin | 3.7584% | 677 |
| Noninterest income to average assets | 0.3852% | 2,783 |
| Noninterest expense to average assets | 2.2858% | 2,554 |
| Loan and lease loss provision to assets | 0.1399% | 576 |
| Net operating income to assets | 1.2097% | 1,227 |
| Return on assets (ROA) | 1.2097% | 1,212 |
| Pretax return on assets | 1.5337% | 952 |
| Return on Equity (ROE) | 12.0325% | 1,305 |
| Retained earnings to average equity (ytd only) | 12.0325% | 600 |
| Net charge-offs to loans | 0.1759% | 339 |
| Credit loss provision to net charge-offs | 110.9813% | 962 |
| Earnings coverage of net charge-offs (x) | 13.2780% | 1,396 |
| Efficiency ratio | 57.5604% | 3,726 |
| Assets per employee ($millions) | 9.3362% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 2,180 |
| Loan loss allowance to noncurrent loans | 4,946.4684% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 3,711 |
| Noncurrent loans to loans | 0.0270% | 3,800 |
| Net loans and leases to total assets | 71.9831% | 835 |
| Net loans and leases to deposits | 82.0770% | 1,004 |
| Net loans and leases to core deposits | 87.6997% | 1,038 |
| Total domestic deposits to total assets | 87.7018% | 2,662 |
| Equity capital to assets | 10.1179% | 1,814 |
| Core capital (leverage) ratio | 9.8806% | 2,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0261% | 2,192 |
| Memoranda: | ||
| Average total assets | $1,358,306,500 | 764 |
| Average earning assets | $1,291,704,000 | 747 |
| Average equity | $136,563,000 | 754 |
| Average total loans | $973,184,500 | 681 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0558% | 1,237 |
| Cost of funding earning assets | 0.2059% | 3,408 |
| Net interest margin | 3.8499% | 922 |
| Noninterest income to average assets | 0.4865% | 2,641 |
| Noninterest expense to average assets | 2.1725% | 3,167 |
| Loan and lease loss provision to assets | 0.1498% | 805 |
| Net operating income to assets | 1.4554% | 1,121 |
| Return on assets (ROA) | 1.4554% | 1,192 |
| Pretax return on assets | 1.8306% | 852 |
| Return on Equity (ROE) | 15.5588% | 832 |
| Retained earnings to average equity (ytd only) | 15.5588% | 195 |
| Net charge-offs to loans | 0.0044% | 2,444 |
| Credit loss provision to net charge-offs | 5,169.2308% | 143 |
| Earnings coverage of net charge-offs (x) | 683.5128% | 216 |
| Efficiency ratio | 52.1511% | 4,103 |
| Assets per employee ($millions) | 9.2708% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 1,942 |
| Loan loss allowance to noncurrent loans | 5,739.8268% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 3,821 |
| Noncurrent loans to loans | 0.0243% | 3,896 |
| Net loans and leases to total assets | 69.3457% | 1,116 |
| Net loans and leases to deposits | 78.9657% | 1,299 |
| Net loans and leases to core deposits | 84.3243% | 1,307 |
| Total domestic deposits to total assets | 87.8176% | 2,142 |
| Equity capital to assets | 9.9894% | 2,664 |
| Core capital (leverage) ratio | 9.7404% | 2,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4070% | 2,079 |
| Memoranda: | ||
| Average total assets | $1,346,072,200 | 745 |
| Average earning assets | $1,281,916,200 | 722 |
| Average equity | $125,916,200 | 823 |
| Average total loans | $887,675,200 | 733 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 1,321 |
| Cost of funding earning assets | 0.2182% | 3,439 |
| Net interest margin | 3.8736% | 984 |
| Noninterest income to average assets | 0.5163% | 2,554 |
| Noninterest expense to average assets | 2.2133% | 3,028 |
| Loan and lease loss provision to assets | 0.0104% | 2,787 |
| Net operating income to assets | 1.5726% | 1,094 |
| Return on assets (ROA) | 1.5726% | 1,141 |
| Pretax return on assets | 1.9807% | 826 |
| Return on Equity (ROE) | 17.1041% | 749 |
| Retained earnings to average equity (ytd only) | 17.1041% | 232 |
| Net charge-offs to loans | 0.0190% | 1,676 |
| Credit loss provision to net charge-offs | 84.6774% | 1,696 |
| Earnings coverage of net charge-offs (x) | 161.8871% | 640 |
| Efficiency ratio | 52.4818% | 3,985 |
| Assets per employee ($millions) | 9.3776% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 2,427 |
| Loan loss allowance to noncurrent loans | 189.0082% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 1,662 |
| Noncurrent loans to loans | 0.6942% | 1,593 |
| Net loans and leases to total assets | 63.1681% | 1,871 |
| Net loans and leases to deposits | 71.9944% | 2,055 |
| Net loans and leases to core deposits | 77.0662% | 1,959 |
| Total domestic deposits to total assets | 87.7404% | 1,982 |
| Equity capital to assets | 9.8135% | 3,090 |
| Core capital (leverage) ratio | 9.6022% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7740% | 1,693 |
| Memoranda: | ||
| Average total assets | $1,344,207,750 | 748 |
| Average earning assets | $1,279,851,500 | 733 |
| Average equity | $123,592,750 | 851 |
| Average total loans | $871,625,500 | 758 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9834% | 1,603 |
| Cost of funding earning assets | 0.2317% | 3,452 |
| Net interest margin | 3.7517% | 1,216 |
| Noninterest income to average assets | 0.3766% | 3,236 |
| Noninterest expense to average assets | 2.0420% | 3,571 |
| Loan and lease loss provision to assets | -0.0260% | 4,452 |
| Net operating income to assets | 1.5353% | 1,203 |
| Return on assets (ROA) | 1.5353% | 1,265 |
| Pretax return on assets | 1.9346% | 943 |
| Return on Equity (ROE) | 17.0801% | 767 |
| Retained earnings to average equity (ytd only) | 17.0801% | 265 |
| Net charge-offs to loans | 0.0183% | 1,579 |
| Credit loss provision to net charge-offs | -218.7500% | 3,233 |
| Earnings coverage of net charge-offs (x) | 160.4750% | 568 |
| Efficiency ratio | 51.5185% | 4,092 |
| Assets per employee ($millions) | 8.8049% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 2,838 |
| Loan loss allowance to noncurrent loans | 179.2425% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 1,719 |
| Noncurrent loans to loans | 0.6786% | 1,727 |
| Net loans and leases to total assets | 67.8092% | 1,469 |
| Net loans and leases to deposits | 77.0236% | 1,727 |
| Net loans and leases to core deposits | 82.9735% | 1,642 |
| Total domestic deposits to total assets | 88.0369% | 1,797 |
| Equity capital to assets | 9.5555% | 3,284 |
| Core capital (leverage) ratio | 9.3025% | 3,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0154% | 1,623 |
| Memoranda: | ||
| Average total assets | $1,345,276,667 | 747 |
| Average earning assets | $1,281,554,667 | 730 |
| Average equity | $120,924,000 | 861 |
| Average total loans | $876,051,333 | 756 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 2,127 |
| Cost of funding earning assets | 0.2411% | 3,553 |
| Net interest margin | 3.5490% | 1,701 |
| Noninterest income to average assets | 0.3754% | 3,221 |
| Noninterest expense to average assets | 1.9299% | 3,913 |
| Loan and lease loss provision to assets | -0.1105% | 4,730 |
| Net operating income to assets | 1.5387% | 1,243 |
| Return on assets (ROA) | 1.5387% | 1,307 |
| Pretax return on assets | 1.9391% | 1,050 |
| Return on Equity (ROE) | 17.6591% | 764 |
| Retained earnings to average equity (ytd only) | 17.6591% | 381 |
| Net charge-offs to loans | 0.0376% | 1,093 |
| Credit loss provision to net charge-offs | -462.9630% | 3,153 |
| Earnings coverage of net charge-offs (x) | 76.6173% | 721 |
| Efficiency ratio | 51.1681% | 4,079 |
| Assets per employee ($millions) | 9.0195% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 2,874 |
| Loan loss allowance to noncurrent loans | 167.0679% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4927% | 1,913 |
| Noncurrent loans to loans | 0.7248% | 1,791 |
| Net loans and leases to total assets | 64.4207% | 1,991 |
| Net loans and leases to deposits | 75.5021% | 1,965 |
| Net loans and leases to core deposits | 80.6178% | 1,947 |
| Total domestic deposits to total assets | 85.3231% | 2,988 |
| Equity capital to assets | 8.8159% | 3,866 |
| Core capital (leverage) ratio | 9.0193% | 3,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3471% | 1,459 |
| Memoranda: | ||
| Average total assets | $1,357,548,500 | 738 |
| Average earning assets | $1,294,096,500 | 715 |
| Average equity | $118,284,500 | 874 |
| Average total loans | $860,774,000 | 762 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3874% | 1,626 |
| Cost of funding earning assets | 0.5560% | 2,574 |
| Net interest margin | 3.8314% | 1,415 |
| Noninterest income to average assets | 0.6083% | 2,189 |
| Noninterest expense to average assets | 2.6146% | 2,499 |
| Loan and lease loss provision to assets | 0.5811% | 359 |
| Net operating income to assets | 0.8978% | 2,708 |
| Return on assets (ROA) | 0.8978% | 2,841 |
| Pretax return on assets | 1.0296% | 2,942 |
| Return on Equity (ROE) | 10.2768% | 1,896 |
| Retained earnings to average equity (ytd only) | 10.2768% | 539 |
| Net charge-offs to loans | 0.2375% | 738 |
| Credit loss provision to net charge-offs | 347.5649% | 1,587 |
| Earnings coverage of net charge-offs (x) | 9.6337% | 2,509 |
| Efficiency ratio | 61.6831% | 3,190 |
| Assets per employee ($millions) | 9.0210% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 2,130 |
| Loan loss allowance to noncurrent loans | 1,591.2553% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 3,969 |
| Noncurrent loans to loans | 0.0857% | 3,950 |
| Net loans and leases to total assets | 60.7273% | 2,768 |
| Net loans and leases to deposits | 73.6749% | 2,517 |
| Net loans and leases to core deposits | 79.2053% | 2,429 |
| Total domestic deposits to total assets | 82.4260% | 3,557 |
| Equity capital to assets | 8.6083% | 4,368 |
| Core capital (leverage) ratio | 9.4420% | 3,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4942% | 1,679 |
| Memoranda: | ||
| Average total assets | $1,105,235,200 | 807 |
| Average earning assets | $1,043,396,400 | 792 |
| Average equity | $96,557,000 | 989 |
| Average total loans | $778,235,800 | 801 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6226% | 1,247 |
| Cost of funding earning assets | 0.6491% | 2,329 |
| Net interest margin | 3.9735% | 1,175 |
| Noninterest income to average assets | 0.3008% | 3,682 |
| Noninterest expense to average assets | 2.3810% | 3,196 |
| Loan and lease loss provision to assets | 0.6860% | 316 |
| Net operating income to assets | 0.8848% | 2,756 |
| Return on assets (ROA) | 0.8848% | 2,878 |
| Pretax return on assets | 0.9748% | 3,146 |
| Return on Equity (ROE) | 10.0801% | 1,987 |
| Retained earnings to average equity (ytd only) | 10.0801% | 747 |
| Net charge-offs to loans | 0.2082% | 735 |
| Credit loss provision to net charge-offs | 449.6656% | 1,366 |
| Earnings coverage of net charge-offs (x) | 10.8888% | 2,330 |
| Efficiency ratio | 58.6957% | 3,569 |
| Assets per employee ($millions) | 8.1256% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 2,527 |
| Loan loss allowance to noncurrent loans | 1,357.7307% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 3,998 |
| Noncurrent loans to loans | 0.0903% | 4,007 |
| Net loans and leases to total assets | 71.0151% | 1,814 |
| Net loans and leases to deposits | 93.5236% | 959 |
| Net loans and leases to core deposits | 105.0388% | 880 |
| Total domestic deposits to total assets | 75.9328% | 4,432 |
| Equity capital to assets | 8.6672% | 4,358 |
| Core capital (leverage) ratio | 10.5294% | 2,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4466% | 2,019 |
| Memoranda: | ||
| Average total assets | $1,045,510,250 | 829 |
| Average earning assets | $984,330,250 | 811 |
| Average equity | $91,769,500 | 1,028 |
| Average total loans | $765,910,000 | 804 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8183% | 1,124 |
| Cost of funding earning assets | 0.7608% | 2,049 |
| Net interest margin | 4.0575% | 1,203 |
| Noninterest income to average assets | 0.3044% | 3,637 |
| Noninterest expense to average assets | 2.3878% | 3,291 |
| Loan and lease loss provision to assets | 0.4774% | 779 |
| Net operating income to assets | 1.0905% | 2,005 |
| Return on assets (ROA) | 1.0905% | 2,125 |
| Pretax return on assets | 1.2460% | 2,197 |
| Return on Equity (ROE) | 12.3586% | 1,248 |
| Retained earnings to average equity (ytd only) | 12.3586% | 416 |
| Net charge-offs to loans | 0.0621% | 1,626 |
| Credit loss provision to net charge-offs | 1,042.2222% | 768 |
| Earnings coverage of net charge-offs (x) | 37.6222% | 1,292 |
| Efficiency ratio | 57.8567% | 3,707 |
| Assets per employee ($millions) | 7.3776% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 3,324 |
| Loan loss allowance to noncurrent loans | 1,101.9975% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 4,021 |
| Noncurrent loans to loans | 0.0953% | 4,073 |
| Net loans and leases to total assets | 74.2018% | 1,384 |
| Net loans and leases to deposits | 95.9168% | 801 |
| Net loans and leases to core deposits | 110.0591% | 740 |
| Total domestic deposits to total assets | 77.3606% | 4,272 |
| Equity capital to assets | 8.0515% | 4,691 |
| Core capital (leverage) ratio | 9.2166% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0651% | 2,584 |
| Memoranda: | ||
| Average total assets | $982,318,000 | 870 |
| Average earning assets | $921,658,000 | 856 |
| Average equity | $86,676,667 | 1,071 |
| Average total loans | $725,217,667 | 836 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9687% | 1,025 |
| Cost of funding earning assets | 0.9784% | 1,518 |
| Net interest margin | 3.9903% | 1,418 |
| Noninterest income to average assets | 0.3747% | 3,268 |
| Noninterest expense to average assets | 2.8107% | 2,403 |
| Loan and lease loss provision to assets | 0.4426% | 686 |
| Net operating income to assets | 0.8856% | 2,567 |
| Return on assets (ROA) | 0.8856% | 2,666 |
| Pretax return on assets | 0.8475% | 3,292 |
| Return on Equity (ROE) | 9.5251% | 1,900 |
| Retained earnings to average equity (ytd only) | 9.5251% | 840 |
| Net charge-offs to loans | 0.1337% | 926 |
| Credit loss provision to net charge-offs | 452.9148% | 933 |
| Earnings coverage of net charge-offs (x) | 13.2018% | 1,665 |
| Efficiency ratio | 68.2945% | 2,618 |
| Assets per employee ($millions) | 6.0742% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 3,155 |
| Loan loss allowance to noncurrent loans | 861.3793% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.1998% | 3,683 |
| Noncurrent loans to loans | 0.1287% | 4,004 |
| Net loans and leases to total assets | 73.8350% | 1,634 |
| Net loans and leases to deposits | 86.5076% | 1,928 |
| Net loans and leases to core deposits | 101.6265% | 1,351 |
| Total domestic deposits to total assets | 85.3509% | 2,265 |
| Equity capital to assets | 9.4660% | 4,255 |
| Core capital (leverage) ratio | 9.1448% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5100% | 2,925 |
| Memoranda: | ||
| Average total assets | $912,783,000 | 900 |
| Average earning assets | $852,369,500 | 885 |
| Average equity | $84,870,500 | 1,087 |
| Average total loans | $667,368,000 | 864 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3893% | 678 |
| Cost of funding earning assets | 1.0963% | 1,338 |
| Net interest margin | 4.2929% | 1,104 |
| Noninterest income to average assets | 0.3897% | 3,363 |
| Noninterest expense to average assets | 2.8878% | 2,328 |
| Loan and lease loss provision to assets | 0.1269% | 1,676 |
| Net operating income to assets | 1.0879% | 2,489 |
| Return on assets (ROA) | 1.0879% | 2,586 |
| Pretax return on assets | 1.3641% | 2,285 |
| Return on Equity (ROE) | 11.2207% | 1,804 |
| Retained earnings to average equity (ytd only) | 11.2207% | 306 |
| Net charge-offs to loans | 0.0343% | 2,700 |
| Credit loss provision to net charge-offs | 484.6847% | 602 |
| Earnings coverage of net charge-offs (x) | 56.9279% | 1,019 |
| Efficiency ratio | 65.7039% | 2,820 |
| Assets per employee ($millions) | 6.1367% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 3,401 |
| Loan loss allowance to noncurrent loans | 369.0529% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 3,541 |
| Noncurrent loans to loans | 0.2756% | 3,457 |
| Net loans and leases to total assets | 70.8620% | 2,271 |
| Net loans and leases to deposits | 83.3048% | 2,412 |
| Net loans and leases to core deposits | 97.1187% | 1,806 |
| Total domestic deposits to total assets | 85.0635% | 2,467 |
| Equity capital to assets | 9.6055% | 4,267 |
| Core capital (leverage) ratio | 9.7353% | 3,809 |
| Tier 1 risk-based capital ratio | 11.8599% | 4,443 |
| Total risk-based capital ratio | 12.7970% | 4,487 |
| Memoranda: | ||
| Average total assets | $847,607,400 | 930 |
| Average earning assets | $787,617,000 | 920 |
| Average equity | $82,178,400 | 1,069 |
| Average total loans | $647,528,600 | 856 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4797% | 606 |
| Cost of funding earning assets | 1.1103% | 1,306 |
| Net interest margin | 4.3694% | 1,013 |
| Noninterest income to average assets | 0.3299% | 3,772 |
| Noninterest expense to average assets | 2.8289% | 2,474 |
| Loan and lease loss provision to assets | 0.1505% | 1,257 |
| Net operating income to assets | 1.1216% | 2,489 |
| Return on assets (ROA) | 1.1216% | 2,579 |
| Pretax return on assets | 1.4045% | 2,294 |
| Return on Equity (ROE) | 11.5389% | 1,791 |
| Retained earnings to average equity (ytd only) | 11.5389% | 445 |
| Net charge-offs to loans | 0.0385% | 2,321 |
| Credit loss provision to net charge-offs | 503.2258% | 618 |
| Earnings coverage of net charge-offs (x) | 52.0062% | 1,160 |
| Efficiency ratio | 64.2794% | 2,960 |
| Assets per employee ($millions) | 5.7960% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9730% | 3,716 |
| Loan loss allowance to noncurrent loans | 382.2711% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 3,582 |
| Noncurrent loans to loans | 0.2545% | 3,629 |
| Net loans and leases to total assets | 77.7581% | 1,178 |
| Net loans and leases to deposits | 91.8245% | 1,456 |
| Net loans and leases to core deposits | 108.1830% | 1,044 |
| Total domestic deposits to total assets | 84.6813% | 2,548 |
| Equity capital to assets | 9.8053% | 4,209 |
| Core capital (leverage) ratio | 9.8138% | 3,834 |
| Tier 1 risk-based capital ratio | 11.2388% | 4,803 |
| Total risk-based capital ratio | 12.1558% | 4,840 |
| Memoranda: | ||
| Average total assets | $829,381,250 | 948 |
| Average earning assets | $769,505,750 | 944 |
| Average equity | $80,618,000 | 1,077 |
| Average total loans | $644,662,000 | 862 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4346% | 632 |
| Cost of funding earning assets | 1.0860% | 1,352 |
| Net interest margin | 4.3486% | 1,047 |
| Noninterest income to average assets | 0.3259% | 3,759 |
| Noninterest expense to average assets | 2.8368% | 2,456 |
| Loan and lease loss provision to assets | 0.1223% | 1,527 |
| Net operating income to assets | 1.1162% | 2,459 |
| Return on assets (ROA) | 1.1162% | 2,533 |
| Pretax return on assets | 1.3956% | 2,220 |
| Return on Equity (ROE) | 11.5184% | 1,774 |
| Retained earnings to average equity (ytd only) | 11.5184% | 479 |
| Net charge-offs to loans | 0.0647% | 1,731 |
| Credit loss provision to net charge-offs | 243.9024% | 1,042 |
| Earnings coverage of net charge-offs (x) | 30.2829% | 1,451 |
| Efficiency ratio | 64.8905% | 2,994 |
| Assets per employee ($millions) | 5.4047% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 3,887 |
| Loan loss allowance to noncurrent loans | 406.4858% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 3,644 |
| Noncurrent loans to loans | 0.2328% | 3,711 |
| Net loans and leases to total assets | 79.3013% | 1,002 |
| Net loans and leases to deposits | 91.5489% | 1,548 |
| Net loans and leases to core deposits | 108.3967% | 1,072 |
| Total domestic deposits to total assets | 86.6218% | 1,766 |
| Equity capital to assets | 10.1189% | 3,866 |
| Core capital (leverage) ratio | 9.6180% | 4,016 |
| Tier 1 risk-based capital ratio | 11.2515% | 4,808 |
| Total risk-based capital ratio | 12.1342% | 4,875 |
| Memoranda: | ||
| Average total assets | $817,976,000 | 957 |
| Average earning assets | $757,810,000 | 953 |
| Average equity | $79,264,670 | 1,091 |
| Average total loans | $633,511,000 | 874 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2832% | 780 |
| Cost of funding earning assets | 1.0329% | 1,436 |
| Net interest margin | 4.2503% | 1,195 |
| Noninterest income to average assets | 0.2824% | 3,991 |
| Noninterest expense to average assets | 2.7556% | 2,723 |
| Loan and lease loss provision to assets | 0.0974% | 1,802 |
| Net operating income to assets | 1.0886% | 2,517 |
| Return on assets (ROA) | 1.0886% | 2,559 |
| Pretax return on assets | 1.3680% | 2,201 |
| Return on Equity (ROE) | 11.4844% | 1,744 |
| Retained earnings to average equity (ytd only) | 11.4844% | 706 |
| Net charge-offs to loans | -0.0639% | 4,902 |
| Credit loss provision to net charge-offs | -200.0000% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0173% | 3,082 |
| Assets per employee ($millions) | 6.3195% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 3,846 |
| Loan loss allowance to noncurrent loans | 406.0806% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 3,906 |
| Noncurrent loans to loans | 0.2400% | 3,715 |
| Net loans and leases to total assets | 74.2619% | 1,755 |
| Net loans and leases to deposits | 85.0037% | 2,253 |
| Net loans and leases to core deposits | 103.7034% | 1,336 |
| Total domestic deposits to total assets | 87.3631% | 1,631 |
| Equity capital to assets | 9.4413% | 4,311 |
| Core capital (leverage) ratio | 9.6676% | 3,951 |
| Tier 1 risk-based capital ratio | 11.6897% | 4,631 |
| Total risk-based capital ratio | 12.6372% | 4,694 |
| Memoranda: | ||
| Average total assets | $821,610,000 | 958 |
| Average earning assets | $761,362,000 | 946 |
| Average equity | $77,879,500 | 1,101 |
| Average total loans | $625,744,500 | 887 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2905% | 591 |
| Cost of funding earning assets | 0.7975% | 1,531 |
| Net interest margin | 4.4929% | 771 |
| Noninterest income to average assets | 0.8343% | 1,353 |
| Noninterest expense to average assets | 4.8815% | 220 |
| Loan and lease loss provision to assets | 0.4737% | 262 |
| Net operating income to assets | -0.3345% | 5,302 |
| Return on assets (ROA) | -0.3345% | 5,296 |
| Pretax return on assets | -0.4319% | 5,306 |
| Return on Equity (ROE) | -3.1361% | 5,292 |
| Retained earnings to average equity (ytd only) | -3.1361% | 5,184 |
| Net charge-offs to loans | 0.3361% | 574 |
| Credit loss provision to net charge-offs | 181.1181% | 1,561 |
| Earnings coverage of net charge-offs (x) | 0.1598% | 3,711 |
| Efficiency ratio | 98.8961% | 159 |
| Assets per employee ($millions) | 6.0355% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 3,991 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 3,607 |
| Noncurrent loans to loans | 0.3136% | 3,428 |
| Net loans and leases to total assets | 76.6556% | 1,497 |
| Net loans and leases to deposits | 87.8309% | 2,062 |
| Net loans and leases to core deposits | 98.9337% | 1,796 |
| Total domestic deposits to total assets | 87.2764% | 1,652 |
| Equity capital to assets | 9.5183% | 4,116 |
| Core capital (leverage) ratio | 9.3578% | 4,292 |
| Tier 1 risk-based capital ratio | 11.4283% | 4,756 |
| Total risk-based capital ratio | 12.3437% | 4,822 |
| Memoranda: | ||
| Average total assets | $724,936,200 | 1,023 |
| Average earning assets | $659,771,200 | 1,041 |
| Average equity | $77,325,800 | 1,062 |
| Average total loans | $564,150,200 | 944 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2011% | 624 |
| Cost of funding earning assets | 0.7216% | 1,740 |
| Net interest margin | 4.4795% | 771 |
| Noninterest income to average assets | 0.5282% | 2,691 |
| Noninterest expense to average assets | 2.8698% | 2,404 |
| Loan and lease loss provision to assets | 0.6618% | 152 |
| Net operating income to assets | 0.8563% | 3,709 |
| Return on assets (ROA) | 0.8563% | 3,718 |
| Pretax return on assets | 1.0595% | 3,541 |
| Return on Equity (ROE) | 7.7894% | 3,629 |
| Retained earnings to average equity (ytd only) | 7.7894% | 1,752 |
| Net charge-offs to loans | 0.4537% | 343 |
| Credit loss provision to net charge-offs | 187.1726% | 1,463 |
| Earnings coverage of net charge-offs (x) | 4.8680% | 3,014 |
| Efficiency ratio | 62.2278% | 3,475 |
| Assets per employee ($millions) | 5.9347% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 4,069 |
| Loan loss allowance to noncurrent loans | 421.9616% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 3,879 |
| Noncurrent loans to loans | 0.2237% | 3,906 |
| Net loans and leases to total assets | 80.1240% | 1,002 |
| Net loans and leases to deposits | 93.2353% | 1,471 |
| Net loans and leases to core deposits | 105.7266% | 1,331 |
| Total domestic deposits to total assets | 85.9373% | 2,229 |
| Equity capital to assets | 10.6941% | 2,938 |
| Core capital (leverage) ratio | 10.7983% | 2,793 |
| Tier 1 risk-based capital ratio | 12.8177% | 4,009 |
| Total risk-based capital ratio | 13.7711% | 4,083 |
| Memoranda: | ||
| Average total assets | $705,490,250 | 1,053 |
| Average earning assets | $639,875,500 | 1,065 |
| Average equity | $77,556,000 | 1,054 |
| Average total loans | $549,894,250 | 957 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0718% | 696 |
| Cost of funding earning assets | 0.6537% | 1,909 |
| Net interest margin | 4.4181% | 817 |
| Noninterest income to average assets | 0.5579% | 2,535 |
| Noninterest expense to average assets | 2.8020% | 2,650 |
| Loan and lease loss provision to assets | 0.4537% | 257 |
| Net operating income to assets | 1.0600% | 2,752 |
| Return on assets (ROA) | 1.0600% | 2,755 |
| Pretax return on assets | 1.3147% | 2,445 |
| Return on Equity (ROE) | 9.5436% | 2,777 |
| Retained earnings to average equity (ytd only) | 9.5436% | 1,055 |
| Net charge-offs to loans | 0.1234% | 1,191 |
| Credit loss provision to net charge-offs | 478.6378% | 730 |
| Earnings coverage of net charge-offs (x) | 18.6563% | 1,889 |
| Efficiency ratio | 61.0184% | 3,764 |
| Assets per employee ($millions) | 5.8040% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 4,104 |
| Loan loss allowance to noncurrent loans | 821.5453% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 4,338 |
| Noncurrent loans to loans | 0.1160% | 4,389 |
| Net loans and leases to total assets | 76.1778% | 1,609 |
| Net loans and leases to deposits | 85.8748% | 2,330 |
| Net loans and leases to core deposits | 96.0984% | 2,051 |
| Total domestic deposits to total assets | 88.7080% | 1,054 |
| Equity capital to assets | 10.5025% | 3,116 |
| Core capital (leverage) ratio | 10.9943% | 2,531 |
| Tier 1 risk-based capital ratio | 12.7400% | 4,044 |
| Total risk-based capital ratio | 13.6706% | 4,123 |
| Memoranda: | ||
| Average total assets | $681,504,000 | 1,080 |
| Average earning assets | $618,950,000 | 1,092 |
| Average equity | $75,694,330 | 1,079 |
| Average total loans | $523,572,330 | 998 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9496% | 778 |
| Cost of funding earning assets | 0.6272% | 1,866 |
| Net interest margin | 4.3223% | 915 |
| Noninterest income to average assets | 0.4738% | 2,972 |
| Noninterest expense to average assets | 2.7901% | 2,727 |
| Loan and lease loss provision to assets | 0.4248% | 256 |
| Net operating income to assets | 0.9575% | 3,042 |
| Return on assets (ROA) | 0.9575% | 3,058 |
| Pretax return on assets | 1.1820% | 2,836 |
| Return on Equity (ROE) | 8.3550% | 3,215 |
| Retained earnings to average equity (ytd only) | 8.3550% | 1,706 |
| Net charge-offs to loans | -0.0170% | 4,471 |
| Credit loss provision to net charge-offs | -3,261.9048% | 4,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4556% | 3,567 |
| Assets per employee ($millions) | 5.2766% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 4,235 |
| Loan loss allowance to noncurrent loans | 1,087.2017% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 4,705 |
| Noncurrent loans to loans | 0.0871% | 4,593 |
| Net loans and leases to total assets | 76.4537% | 1,469 |
| Net loans and leases to deposits | 86.8256% | 2,070 |
| Net loans and leases to core deposits | 104.0235% | 1,375 |
| Total domestic deposits to total assets | 88.0543% | 1,588 |
| Equity capital to assets | 11.2398% | 2,359 |
| Core capital (leverage) ratio | 11.6682% | 1,881 |
| Tier 1 risk-based capital ratio | 13.6014% | 3,599 |
| Total risk-based capital ratio | 14.5185% | 3,702 |
| Memoranda: | ||
| Average total assets | $644,994,500 | 1,145 |
| Average earning assets | $585,426,000 | 1,154 |
| Average equity | $73,919,500 | 1,110 |
| Average total loans | $495,204,500 | 1,063 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4602% | 280 |
| Cost of funding earning assets | 0.5473% | 1,975 |
| Net interest margin | 4.9129% | 277 |
| Noninterest income to average assets | 0.5031% | 2,978 |
| Noninterest expense to average assets | 3.4159% | 1,178 |
| Loan and lease loss provision to assets | 0.2059% | 994 |
| Net operating income to assets | 0.8872% | 2,783 |
| Return on assets (ROA) | 0.8872% | 2,808 |
| Pretax return on assets | 1.3409% | 2,213 |
| Return on Equity (ROE) | 7.2851% | 3,128 |
| Retained earnings to average equity (ytd only) | 7.2851% | 988 |
| Net charge-offs to loans | -0.0117% | 4,826 |
| Credit loss provision to net charge-offs | -2,324.4444% | 5,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8320% | 2,738 |
| Assets per employee ($millions) | 4.5415% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 4,297 |
| Loan loss allowance to noncurrent loans | 666.5635% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 4,544 |
| Noncurrent loans to loans | 0.1401% | 4,364 |
| Net loans and leases to total assets | 75.6006% | 1,667 |
| Net loans and leases to deposits | 86.4705% | 2,201 |
| Net loans and leases to core deposits | 97.8447% | 1,867 |
| Total domestic deposits to total assets | 87.4293% | 1,801 |
| Equity capital to assets | 11.7111% | 2,025 |
| Core capital (leverage) ratio | 11.5252% | 1,928 |
| Tier 1 risk-based capital ratio | 14.7712% | 2,950 |
| Total risk-based capital ratio | 15.7098% | 3,027 |
| Memoranda: | ||
| Average total assets | $508,089,600 | 1,379 |
| Average earning assets | $461,211,200 | 1,412 |
| Average equity | $61,880,000 | 1,281 |
| Average total loans | $383,823,400 | 1,277 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3199% | 332 |
| Cost of funding earning assets | 0.5248% | 2,071 |
| Net interest margin | 4.7951% | 337 |
| Noninterest income to average assets | 0.5076% | 2,989 |
| Noninterest expense to average assets | 3.3474% | 1,251 |
| Loan and lease loss provision to assets | 0.2421% | 727 |
| Net operating income to assets | 0.8808% | 3,129 |
| Return on assets (ROA) | 0.8808% | 3,172 |
| Pretax return on assets | 1.2512% | 2,701 |
| Return on Equity (ROE) | 7.1463% | 3,569 |
| Retained earnings to average equity (ytd only) | 7.1463% | 1,617 |
| Net charge-offs to loans | -0.0117% | 4,675 |
| Credit loss provision to net charge-offs | -2,746.8750% | 5,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1511% | 2,681 |
| Assets per employee ($millions) | 4.6455% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 4,427 |
| Loan loss allowance to noncurrent loans | 441.2834% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 4,468 |
| Noncurrent loans to loans | 0.2108% | 4,229 |
| Net loans and leases to total assets | 75.6888% | 1,645 |
| Net loans and leases to deposits | 87.6958% | 2,104 |
| Net loans and leases to core deposits | 98.8778% | 1,810 |
| Total domestic deposits to total assets | 86.3083% | 2,174 |
| Equity capital to assets | 11.9782% | 1,981 |
| Core capital (leverage) ratio | 12.1569% | 1,598 |
| Tier 1 risk-based capital ratio | 14.4202% | 3,229 |
| Total risk-based capital ratio | 15.3156% | 3,327 |
| Memoranda: | ||
| Average total assets | $484,105,500 | 1,456 |
| Average earning assets | $437,465,500 | 1,494 |
| Average equity | $59,665,500 | 1,326 |
| Average total loans | $364,541,000 | 1,342 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1898% | 403 |
| Cost of funding earning assets | 0.5098% | 2,094 |
| Net interest margin | 4.6800% | 405 |
| Noninterest income to average assets | 0.4727% | 3,204 |
| Noninterest expense to average assets | 3.3582% | 1,259 |
| Loan and lease loss provision to assets | 0.2390% | 710 |
| Net operating income to assets | 0.7798% | 3,488 |
| Return on assets (ROA) | 0.7798% | 3,540 |
| Pretax return on assets | 1.0971% | 3,193 |
| Return on Equity (ROE) | 6.2517% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.2517% | 1,991 |
| Net charge-offs to loans | -0.0106% | 4,558 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5377% | 2,430 |
| Assets per employee ($millions) | 4.5034% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 4,429 |
| Loan loss allowance to noncurrent loans | 367.7388% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 4,381 |
| Noncurrent loans to loans | 0.2576% | 4,116 |
| Net loans and leases to total assets | 76.1666% | 1,522 |
| Net loans and leases to deposits | 87.9816% | 1,988 |
| Net loans and leases to core deposits | 99.5201% | 1,685 |
| Total domestic deposits to total assets | 86.5710% | 2,144 |
| Equity capital to assets | 13.0841% | 1,333 |
| Core capital (leverage) ratio | 12.4406% | 1,393 |
| Tier 1 risk-based capital ratio | 15.5842% | 2,672 |
| Total risk-based capital ratio | 16.4943% | 2,758 |
| Memoranda: | ||
| Average total assets | $451,912,000 | 1,558 |
| Average earning assets | $407,647,330 | 1,591 |
| Average equity | $56,368,670 | 1,405 |
| Average total loans | $338,174,670 | 1,424 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2056% | 376 |
| Cost of funding earning assets | 0.5243% | 1,905 |
| Net interest margin | 4.6813% | 383 |
| Noninterest income to average assets | 0.5051% | 2,949 |
| Noninterest expense to average assets | 3.5625% | 958 |
| Loan and lease loss provision to assets | 0.2578% | 567 |
| Net operating income to assets | 0.6436% | 3,959 |
| Return on assets (ROA) | 0.6436% | 3,995 |
| Pretax return on assets | 0.9138% | 3,714 |
| Return on Equity (ROE) | 5.3205% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.3205% | 2,726 |
| Net charge-offs to loans | -0.0091% | 4,382 |
| Credit loss provision to net charge-offs | -3,857.1429% | 4,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2521% | 2,028 |
| Assets per employee ($millions) | 5.1063% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 3,747 |
| Loan loss allowance to noncurrent loans | 643.0939% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 4,771 |
| Noncurrent loans to loans | 0.1699% | 4,509 |
| Net loans and leases to total assets | 71.1369% | 2,193 |
| Net loans and leases to deposits | 82.6369% | 2,442 |
| Net loans and leases to core deposits | 92.9693% | 2,066 |
| Total domestic deposits to total assets | 86.0837% | 2,630 |
| Equity capital to assets | 12.1680% | 1,729 |
| Core capital (leverage) ratio | 12.1471% | 1,539 |
| Tier 1 risk-based capital ratio | 14.8611% | 3,041 |
| Total risk-based capital ratio | 15.8789% | 3,074 |
| Memoranda: | ||
| Average total assets | $418,920,500 | 1,664 |
| Average earning assets | $378,438,000 | 1,695 |
| Average equity | $50,672,000 | 1,525 |
| Average total loans | $308,144,000 | 1,539 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4449% | 265 |
| Cost of funding earning assets | 0.4760% | 2,298 |
| Net interest margin | 4.9689% | 264 |
| Noninterest income to average assets | 0.5143% | 3,136 |
| Noninterest expense to average assets | 3.4876% | 1,186 |
| Loan and lease loss provision to assets | 0.2589% | 798 |
| Net operating income to assets | 0.8898% | 2,879 |
| Return on assets (ROA) | 0.8898% | 2,996 |
| Pretax return on assets | 1.2591% | 2,439 |
| Return on Equity (ROE) | 7.1277% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.1277% | 1,177 |
| Net charge-offs to loans | 0.1321% | 1,924 |
| Credit loss provision to net charge-offs | 263.8122% | 1,092 |
| Earnings coverage of net charge-offs (x) | 15.4669% | 2,197 |
| Efficiency ratio | 69.6745% | 2,964 |
| Assets per employee ($millions) | 4.4224% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 3,806 |
| Loan loss allowance to noncurrent loans | 438.6085% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 4,496 |
| Noncurrent loans to loans | 0.2470% | 4,270 |
| Net loans and leases to total assets | 74.5838% | 1,759 |
| Net loans and leases to deposits | 85.7118% | 2,221 |
| Net loans and leases to core deposits | 100.7662% | 1,556 |
| Total domestic deposits to total assets | 87.0170% | 2,137 |
| Equity capital to assets | 12.0145% | 1,794 |
| Core capital (leverage) ratio | 10.9866% | 2,354 |
| Tier 1 risk-based capital ratio | 14.4088% | 3,234 |
| Total risk-based capital ratio | 15.4543% | 3,275 |
| Memoranda: | ||
| Average total assets | $368,848,800 | 1,817 |
| Average earning assets | $333,396,000 | 1,857 |
| Average equity | $46,045,600 | 1,641 |
| Average total loans | $273,987,800 | 1,652 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3833% | 307 |
| Cost of funding earning assets | 0.4174% | 2,864 |
| Net interest margin | 4.9659% | 271 |
| Noninterest income to average assets | 0.4842% | 3,358 |
| Noninterest expense to average assets | 3.3724% | 1,408 |
| Loan and lease loss provision to assets | 0.2592% | 708 |
| Net operating income to assets | 0.9706% | 2,569 |
| Return on assets (ROA) | 0.9706% | 2,703 |
| Pretax return on assets | 1.3445% | 2,255 |
| Return on Equity (ROE) | 7.6963% | 3,191 |
| Retained earnings to average equity (ytd only) | 7.6963% | 1,316 |
| Net charge-offs to loans | 0.1923% | 1,221 |
| Credit loss provision to net charge-offs | 182.1705% | 1,544 |
| Earnings coverage of net charge-offs (x) | 11.2712% | 2,502 |
| Efficiency ratio | 67.7724% | 3,268 |
| Assets per employee ($millions) | 4.8061% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 4,531 |
| Loan loss allowance to noncurrent loans | 378.8660% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 1.1228% | 1,802 |
| Noncurrent loans to loans | 0.2579% | 4,342 |
| Net loans and leases to total assets | 74.6987% | 1,755 |
| Net loans and leases to deposits | 93.0448% | 1,364 |
| Net loans and leases to core deposits | 112.9797% | 767 |
| Total domestic deposits to total assets | 80.2825% | 4,445 |
| Equity capital to assets | 11.8071% | 2,250 |
| Core capital (leverage) ratio | 11.2593% | 2,224 |
| Tier 1 risk-based capital ratio | 14.1403% | 3,484 |
| Total risk-based capital ratio | 15.0933% | 3,569 |
| Memoranda: | ||
| Average total assets | $362,663,000 | 1,849 |
| Average earning assets | $328,040,500 | 1,888 |
| Average equity | $45,735,000 | 1,658 |
| Average total loans | $268,292,000 | 1,685 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4915% | 261 |
| Cost of funding earning assets | 0.3692% | 3,362 |
| Net interest margin | 5.1224% | 199 |
| Noninterest income to average assets | 0.4667% | 3,422 |
| Noninterest expense to average assets | 3.4480% | 1,269 |
| Loan and lease loss provision to assets | 0.2653% | 700 |
| Net operating income to assets | 0.9909% | 2,430 |
| Return on assets (ROA) | 0.9909% | 2,569 |
| Pretax return on assets | 1.3760% | 2,111 |
| Return on Equity (ROE) | 7.6722% | 3,161 |
| Retained earnings to average equity (ytd only) | 7.6722% | 1,300 |
| Net charge-offs to loans | 0.2440% | 967 |
| Credit loss provision to net charge-offs | 148.0892% | 1,604 |
| Earnings coverage of net charge-offs (x) | 9.1624% | 2,440 |
| Efficiency ratio | 67.7503% | 3,390 |
| Assets per employee ($millions) | 4.6296% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 4,518 |
| Loan loss allowance to noncurrent loans | 238.0258% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 1.1646% | 1,809 |
| Noncurrent loans to loans | 0.4205% | 3,846 |
| Net loans and leases to total assets | 69.7046% | 2,520 |
| Net loans and leases to deposits | 97.9779% | 893 |
| Net loans and leases to core deposits | 108.3962% | 1,014 |
| Total domestic deposits to total assets | 71.1432% | 5,719 |
| Equity capital to assets | 11.7733% | 2,290 |
| Core capital (leverage) ratio | 12.3033% | 1,455 |
| Tier 1 risk-based capital ratio | 14.7656% | 3,173 |
| Total risk-based capital ratio | 15.7253% | 3,264 |
| Memoranda: | ||
| Average total assets | $350,582,670 | 1,909 |
| Average earning assets | $316,377,000 | 1,954 |
| Average equity | $45,280,330 | 1,671 |
| Average total loans | $257,417,330 | 1,754 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9547% | 131 |
| Cost of funding earning assets | 0.3665% | 3,434 |
| Net interest margin | 5.5882% | 100 |
| Noninterest income to average assets | 0.4837% | 3,234 |
| Noninterest expense to average assets | 3.6449% | 970 |
| Loan and lease loss provision to assets | 0.2735% | 612 |
| Net operating income to assets | 1.1461% | 1,723 |
| Return on assets (ROA) | 1.1461% | 1,842 |
| Pretax return on assets | 1.5873% | 1,332 |
| Return on Equity (ROE) | 8.4280% | 2,693 |
| Retained earnings to average equity (ytd only) | 8.4280% | 1,291 |
| Net charge-offs to loans | 0.2407% | 849 |
| Credit loss provision to net charge-offs | 151.0067% | 1,269 |
| Earnings coverage of net charge-offs (x) | 10.2752% | 1,932 |
| Efficiency ratio | 66.2031% | 3,765 |
| Assets per employee ($millions) | 4.0936% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 4,136 |
| Loan loss allowance to noncurrent loans | 318.1604% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 4,489 |
| Noncurrent loans to loans | 0.3413% | 4,213 |
| Net loans and leases to total assets | 75.0427% | 1,544 |
| Net loans and leases to deposits | 96.3806% | 906 |
| Net loans and leases to core deposits | 103.0436% | 1,260 |
| Total domestic deposits to total assets | 77.8608% | 5,170 |
| Equity capital to assets | 13.8358% | 1,040 |
| Core capital (leverage) ratio | 13.0629% | 1,133 |
| Tier 1 risk-based capital ratio | 16.7212% | 2,389 |
| Total risk-based capital ratio | 17.8010% | 2,414 |
| Memoranda: | ||
| Average total assets | $329,114,500 | 2,033 |
| Average earning assets | $295,764,000 | 2,084 |
| Average equity | $44,755,500 | 1,685 |
| Average total loans | $247,589,000 | 1,815 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4227% | 307 |
| Cost of funding earning assets | 0.3737% | 3,438 |
| Net interest margin | 5.0490% | 230 |
| Noninterest income to average assets | 0.5604% | 2,966 |
| Noninterest expense to average assets | 3.4486% | 1,388 |
| Loan and lease loss provision to assets | 0.2284% | 875 |
| Net operating income to assets | 1.0167% | 2,275 |
| Return on assets (ROA) | 1.0160% | 2,357 |
| Pretax return on assets | 1.4174% | 1,830 |
| Return on Equity (ROE) | 9.9659% | 2,026 |
| Retained earnings to average equity (ytd only) | 9.9659% | 464 |
| Net charge-offs to loans | 0.0485% | 3,230 |
| Credit loss provision to net charge-offs | 651.4286% | 514 |
| Earnings coverage of net charge-offs (x) | 46.9619% | 1,046 |
| Efficiency ratio | 67.6804% | 3,630 |
| Assets per employee ($millions) | 3.9848% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 4,247 |
| Loan loss allowance to noncurrent loans | 469.0519% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 4,895 |
| Noncurrent loans to loans | 0.2266% | 4,619 |
| Net loans and leases to total assets | 73.8046% | 1,763 |
| Net loans and leases to deposits | 95.7360% | 1,041 |
| Net loans and leases to core deposits | 101.8594% | 1,372 |
| Total domestic deposits to total assets | 77.0918% | 5,301 |
| Equity capital to assets | 13.3641% | 1,176 |
| Core capital (leverage) ratio | 12.5569% | 1,321 |
| Tier 1 risk-based capital ratio | 16.2373% | 2,592 |
| Total risk-based capital ratio | 17.2799% | 2,615 |
| Memoranda: | ||
| Average total assets | $299,423,800 | 2,150 |
| Average earning assets | $268,945,400 | 2,210 |
| Average equity | $30,524,000 | 2,285 |
| Average total loans | $216,611,000 | 1,947 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2192% | 427 |
| Cost of funding earning assets | 0.3723% | 3,521 |
| Net interest margin | 4.8469% | 339 |
| Noninterest income to average assets | 0.5912% | 2,796 |
| Noninterest expense to average assets | 3.4453% | 1,390 |
| Loan and lease loss provision to assets | 0.2099% | 935 |
| Net operating income to assets | 0.9323% | 2,793 |
| Return on assets (ROA) | 0.9323% | 2,886 |
| Pretax return on assets | 1.2881% | 2,439 |
| Return on Equity (ROE) | 10.0299% | 2,092 |
| Retained earnings to average equity (ytd only) | 10.0299% | 631 |
| Net charge-offs to loans | 0.0434% | 3,028 |
| Credit loss provision to net charge-offs | 675.0000% | 506 |
| Earnings coverage of net charge-offs (x) | 48.1788% | 1,084 |
| Efficiency ratio | 69.6975% | 3,256 |
| Assets per employee ($millions) | 4.0561% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 4,657 |
| Loan loss allowance to noncurrent loans | 386.9634% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 4,964 |
| Noncurrent loans to loans | 0.2627% | 4,637 |
| Net loans and leases to total assets | 73.9593% | 1,735 |
| Net loans and leases to deposits | 102.9603% | 495 |
| Net loans and leases to core deposits | 109.9048% | 882 |
| Total domestic deposits to total assets | 71.8328% | 5,870 |
| Equity capital to assets | 8.7875% | 5,499 |
| Core capital (leverage) ratio | 8.1087% | 5,837 |
| Tier 1 risk-based capital ratio | 10.2301% | 5,967 |
| Total risk-based capital ratio | 11.2329% | 6,002 |
| Memoranda: | ||
| Average total assets | $291,595,250 | 2,213 |
| Average earning assets | $261,822,000 | 2,269 |
| Average equity | $27,105,000 | 2,553 |
| Average total loans | $209,083,250 | 2,009 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1833% | 438 |
| Cost of funding earning assets | 0.3760% | 3,541 |
| Net interest margin | 4.8073% | 354 |
| Noninterest income to average assets | 0.5596% | 2,980 |
| Noninterest expense to average assets | 3.5435% | 1,231 |
| Loan and lease loss provision to assets | 0.1660% | 1,266 |
| Net operating income to assets | 0.8462% | 3,143 |
| Return on assets (ROA) | 0.8462% | 3,251 |
| Pretax return on assets | 1.1483% | 2,977 |
| Return on Equity (ROE) | 8.9183% | 2,593 |
| Retained earnings to average equity (ytd only) | 8.9183% | 946 |
| Net charge-offs to loans | 0.1267% | 1,742 |
| Credit loss provision to net charge-offs | 185.7143% | 1,315 |
| Earnings coverage of net charge-offs (x) | 14.7063% | 2,039 |
| Efficiency ratio | 72.9450% | 2,853 |
| Assets per employee ($millions) | 3.6344% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 4,819 |
| Loan loss allowance to noncurrent loans | 335.5694% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 4,985 |
| Noncurrent loans to loans | 0.3010% | 4,610 |
| Net loans and leases to total assets | 72.4973% | 1,898 |
| Net loans and leases to deposits | 88.8804% | 1,737 |
| Net loans and leases to core deposits | 94.6528% | 1,896 |
| Total domestic deposits to total assets | 81.5673% | 4,428 |
| Equity capital to assets | 9.3262% | 4,867 |
| Core capital (leverage) ratio | 8.6180% | 5,416 |
| Tier 1 risk-based capital ratio | 10.9135% | 5,757 |
| Total risk-based capital ratio | 11.8923% | 5,806 |
| Memoranda: | ||
| Average total assets | $281,982,670 | 2,287 |
| Average earning assets | $252,115,000 | 2,357 |
| Average equity | $26,754,000 | 2,585 |
| Average total loans | $198,969,670 | 2,094 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2800% | 361 |
| Cost of funding earning assets | 0.3826% | 3,503 |
| Net interest margin | 4.8974% | 300 |
| Noninterest income to average assets | 0.5648% | 2,861 |
| Noninterest expense to average assets | 3.5490% | 1,213 |
| Loan and lease loss provision to assets | 0.1599% | 1,266 |
| Net operating income to assets | 0.8919% | 2,778 |
| Return on assets (ROA) | 0.8919% | 2,907 |
| Pretax return on assets | 1.2089% | 2,627 |
| Return on Equity (ROE) | 9.3177% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.3177% | 1,096 |
| Net charge-offs to loans | 0.2584% | 930 |
| Credit loss provision to net charge-offs | 89.5161% | 1,745 |
| Earnings coverage of net charge-offs (x) | 7.6613% | 2,151 |
| Efficiency ratio | 72.1653% | 3,146 |
| Assets per employee ($millions) | 3.4886% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 4,694 |
| Loan loss allowance to noncurrent loans | 329.0113% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 5,029 |
| Noncurrent loans to loans | 0.3231% | 4,632 |
| Net loans and leases to total assets | 69.4390% | 2,212 |
| Net loans and leases to deposits | 77.6233% | 2,859 |
| Net loans and leases to core deposits | 82.0515% | 2,961 |
| Total domestic deposits to total assets | 89.4564% | 1,017 |
| Equity capital to assets | 9.9141% | 4,247 |
| Core capital (leverage) ratio | 8.3649% | 5,670 |
| Tier 1 risk-based capital ratio | 11.5348% | 5,536 |
| Total risk-based capital ratio | 12.5350% | 5,580 |
| Memoranda: | ||
| Average total assets | $277,599,000 | 2,332 |
| Average earning assets | $246,744,500 | 2,409 |
| Average equity | $26,573,000 | 2,620 |
| Average total loans | $191,986,000 | 2,161 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0205% | 740 |
| Cost of funding earning assets | 0.4890% | 2,782 |
| Net interest margin | 4.5315% | 704 |
| Noninterest income to average assets | 0.6845% | 2,369 |
| Noninterest expense to average assets | 3.5845% | 1,337 |
| Loan and lease loss provision to assets | 0.1578% | 1,663 |
| Net operating income to assets | 0.7381% | 3,690 |
| Return on assets (ROA) | 0.7439% | 3,758 |
| Pretax return on assets | 0.9902% | 3,536 |
| Return on Equity (ROE) | 7.9598% | 3,160 |
| Retained earnings to average equity (ytd only) | 2.4622% | 4,478 |
| Net charge-offs to loans | 0.2297% | 1,830 |
| Credit loss provision to net charge-offs | 108.3123% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.8262% | 2,971 |
| Efficiency ratio | 75.8661% | 2,526 |
| Assets per employee ($millions) | 3.7249% | 4,481 |
| Cash dividends to net income (ytd only)* | 69.0676% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 4,772 |
| Loan loss allowance to noncurrent loans | 284.9372% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 5,015 |
| Noncurrent loans to loans | 0.3715% | 4,540 |
| Net loans and leases to total assets | 67.4520% | 2,655 |
| Net loans and leases to deposits | 80.7222% | 2,635 |
| Net loans and leases to core deposits | 85.3080% | 2,751 |
| Total domestic deposits to total assets | 83.5607% | 3,897 |
| Equity capital to assets | 9.2441% | 5,015 |
| Core capital (leverage) ratio | 7.6109% | 6,170 |
| Tier 1 risk-based capital ratio | 11.0430% | 5,888 |
| Total risk-based capital ratio | 12.0329% | 5,936 |
| Memoranda: | ||
| Average total assets | $272,481,400 | 2,342 |
| Average earning assets | $242,945,600 | 2,403 |
| Average equity | $25,465,400 | 2,617 |
| Average total loans | $172,871,600 | 2,299 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8696% | 994 |
| Cost of funding earning assets | 0.5031% | 2,725 |
| Net interest margin | 4.3665% | 930 |
| Noninterest income to average assets | 0.7081% | 2,286 |
| Noninterest expense to average assets | 3.6388% | 1,224 |
| Loan and lease loss provision to assets | 0.1606% | 1,550 |
| Net operating income to assets | 0.6230% | 4,337 |
| Return on assets (ROA) | 0.6310% | 4,404 |
| Pretax return on assets | 0.8178% | 4,299 |
| Return on Equity (ROE) | 6.7325% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.7325% | 1,965 |
| Net charge-offs to loans | 0.1867% | 1,971 |
| Credit loss provision to net charge-offs | 138.2979% | 1,697 |
| Earnings coverage of net charge-offs (x) | 8.3360% | 2,816 |
| Efficiency ratio | 78.9875% | 2,058 |
| Assets per employee ($millions) | 3.8944% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 4,974 |
| Loan loss allowance to noncurrent loans | 219.2067% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 4,993 |
| Noncurrent loans to loans | 0.4807% | 4,467 |
| Net loans and leases to total assets | 65.7645% | 2,906 |
| Net loans and leases to deposits | 88.9144% | 1,568 |
| Net loans and leases to core deposits | 94.9965% | 1,757 |
| Total domestic deposits to total assets | 73.9638% | 6,020 |
| Equity capital to assets | 8.8903% | 5,474 |
| Core capital (leverage) ratio | 8.5323% | 5,621 |
| Tier 1 risk-based capital ratio | 11.1436% | 5,937 |
| Total risk-based capital ratio | 12.1419% | 5,998 |
| Memoranda: | ||
| Average total assets | $269,829,250 | 2,376 |
| Average earning assets | $240,918,000 | 2,435 |
| Average equity | $25,289,500 | 2,642 |
| Average total loans | $167,841,250 | 2,361 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 1,139 |
| Cost of funding earning assets | 0.5468% | 2,376 |
| Net interest margin | 4.2185% | 1,200 |
| Noninterest income to average assets | 0.5712% | 2,985 |
| Noninterest expense to average assets | 3.7172% | 1,108 |
| Loan and lease loss provision to assets | 0.1694% | 1,447 |
| Net operating income to assets | 0.3771% | 5,302 |
| Return on assets (ROA) | 0.3910% | 5,326 |
| Pretax return on assets | 0.4542% | 5,408 |
| Return on Equity (ROE) | 4.0913% | 5,103 |
| Retained earnings to average equity (ytd only) | 4.0913% | 3,570 |
| Net charge-offs to loans | 0.3470% | 1,179 |
| Credit loss provision to net charge-offs | 80.5861% | 2,324 |
| Earnings coverage of net charge-offs (x) | 2.8901% | 3,441 |
| Efficiency ratio | 85.9559% | 1,273 |
| Assets per employee ($millions) | 3.2173% | 5,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 4,659 |
| Loan loss allowance to noncurrent loans | 187.9923% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4045% | 4,800 |
| Noncurrent loans to loans | 0.6121% | 4,189 |
| Net loans and leases to total assets | 65.3189% | 2,861 |
| Net loans and leases to deposits | 73.3579% | 3,406 |
| Net loans and leases to core deposits | 78.8778% | 3,333 |
| Total domestic deposits to total assets | 89.0413% | 1,330 |
| Equity capital to assets | 9.9462% | 4,180 |
| Core capital (leverage) ratio | 8.7726% | 5,300 |
| Tier 1 risk-based capital ratio | 12.2981% | 5,362 |
| Total risk-based capital ratio | 13.3596% | 5,401 |
| Memoranda: | ||
| Average total assets | $259,816,670 | 2,459 |
| Average earning assets | $231,170,330 | 2,536 |
| Average equity | $24,833,000 | 2,677 |
| Average total loans | $157,353,000 | 2,480 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5413% | 1,674 |
| Cost of funding earning assets | 0.5485% | 2,434 |
| Net interest margin | 3.9928% | 1,796 |
| Noninterest income to average assets | 0.5854% | 2,820 |
| Noninterest expense to average assets | 3.7053% | 1,123 |
| Loan and lease loss provision to assets | 0.1762% | 1,369 |
| Net operating income to assets | 0.2050% | 5,786 |
| Return on assets (ROA) | 0.2314% | 5,762 |
| Pretax return on assets | 0.2835% | 5,757 |
| Return on Equity (ROE) | 2.4704% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.4704% | 4,592 |
| Net charge-offs to loans | 0.3656% | 987 |
| Credit loss provision to net charge-offs | 83.3333% | 1,862 |
| Earnings coverage of net charge-offs (x) | 2.0217% | 2,966 |
| Efficiency ratio | 89.6552% | 1,070 |
| Assets per employee ($millions) | 3.5763% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 4,109 |
| Loan loss allowance to noncurrent loans | 148.5052% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 4,637 |
| Noncurrent loans to loans | 0.8773% | 3,695 |
| Net loans and leases to total assets | 56.8785% | 4,024 |
| Net loans and leases to deposits | 63.1955% | 4,410 |
| Net loans and leases to core deposits | 67.3817% | 4,370 |
| Total domestic deposits to total assets | 90.0040% | 1,073 |
| Equity capital to assets | 9.5252% | 4,467 |
| Core capital (leverage) ratio | 8.3827% | 5,765 |
| Tier 1 risk-based capital ratio | 13.3268% | 4,810 |
| Total risk-based capital ratio | 14.5134% | 4,783 |
| Memoranda: | ||
| Average total assets | $261,032,500 | 2,447 |
| Average earning assets | $231,916,000 | 2,530 |
| Average equity | $24,449,500 | 2,703 |
| Average total loans | $150,990,500 | 2,564 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7600% | 1,407 |
| Cost of funding earning assets | 0.5776% | 2,858 |
| Net interest margin | 4.1825% | 1,412 |
| Noninterest income to average assets | 0.7227% | 2,422 |
| Noninterest expense to average assets | 3.5312% | 1,591 |
| Loan and lease loss provision to assets | 0.1873% | 1,970 |
| Net operating income to assets | 0.5581% | 4,463 |
| Return on assets (ROA) | 0.5581% | 4,585 |
| Pretax return on assets | 0.7113% | 4,498 |
| Return on Equity (ROE) | 5.5401% | 4,367 |
| Retained earnings to average equity (ytd only) | 1.0179% | 5,383 |
| Net charge-offs to loans | 0.1530% | 3,275 |
| Credit loss provision to net charge-offs | 216.9014% | 1,065 |
| Earnings coverage of net charge-offs (x) | 10.4085% | 2,373 |
| Efficiency ratio | 79.7145% | 2,199 |
| Assets per employee ($millions) | 3.4786% | 4,943 |
| Cash dividends to net income (ytd only)* | 81.6267% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 3,917 |
| Loan loss allowance to noncurrent loans | 214.2857% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 5,162 |
| Noncurrent loans to loans | 0.6276% | 4,412 |
| Net loans and leases to total assets | 57.2830% | 4,150 |
| Net loans and leases to deposits | 63.5053% | 4,563 |
| Net loans and leases to core deposits | 66.9384% | 4,621 |
| Total domestic deposits to total assets | 90.2020% | 967 |
| Equity capital to assets | 9.2032% | 4,802 |
| Core capital (leverage) ratio | 9.0094% | 4,989 |
| Tier 1 risk-based capital ratio | 13.4588% | 4,678 |
| Total risk-based capital ratio | 14.6793% | 4,643 |
| Memoranda: | ||
| Average total assets | $246,715,800 | 2,560 |
| Average earning assets | $218,675,400 | 2,634 |
| Average equity | $24,855,000 | 2,641 |
| Average total loans | $139,227,600 | 2,717 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6893% | 1,623 |
| Cost of funding earning assets | 0.5831% | 2,970 |
| Net interest margin | 4.1062% | 1,615 |
| Noninterest income to average assets | 0.6889% | 2,671 |
| Noninterest expense to average assets | 3.5146% | 1,584 |
| Loan and lease loss provision to assets | 0.1486% | 2,417 |
| Net operating income to assets | 0.5780% | 4,435 |
| Return on assets (ROA) | 0.5780% | 4,569 |
| Pretax return on assets | 0.6769% | 4,757 |
| Return on Equity (ROE) | 5.6098% | 4,404 |
| Retained earnings to average equity (ytd only) | 5.6098% | 2,654 |
| Net charge-offs to loans | 0.2146% | 2,542 |
| Credit loss provision to net charge-offs | 123.6364% | 1,905 |
| Earnings coverage of net charge-offs (x) | 6.8681% | 2,892 |
| Efficiency ratio | 80.9794% | 1,974 |
| Assets per employee ($millions) | 3.4906% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 5,013 |
| Loan loss allowance to noncurrent loans | 827.8539% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 6,168 |
| Noncurrent loans to loans | 0.1414% | 5,902 |
| Net loans and leases to total assets | 63.5466% | 3,069 |
| Net loans and leases to deposits | 71.4595% | 3,575 |
| Net loans and leases to core deposits | 75.7888% | 3,639 |
| Total domestic deposits to total assets | 88.9269% | 1,598 |
| Equity capital to assets | 10.3540% | 3,443 |
| Core capital (leverage) ratio | 9.6165% | 4,224 |
| Tier 1 risk-based capital ratio | 13.8716% | 4,522 |
| Total risk-based capital ratio | 14.9665% | 4,576 |
| Memoranda: | ||
| Average total assets | $244,039,750 | 2,599 |
| Average earning assets | $217,001,250 | 2,666 |
| Average equity | $25,146,000 | 2,642 |
| Average total loans | $136,667,500 | 2,765 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4397% | 2,418 |
| Cost of funding earning assets | 0.5750% | 3,169 |
| Net interest margin | 3.8646% | 2,325 |
| Noninterest income to average assets | 0.6691% | 2,800 |
| Noninterest expense to average assets | 3.4981% | 1,613 |
| Loan and lease loss provision to assets | 0.1485% | 2,477 |
| Net operating income to assets | 0.3892% | 5,251 |
| Return on assets (ROA) | 0.3892% | 5,418 |
| Pretax return on assets | 0.4610% | 5,493 |
| Return on Equity (ROE) | 3.7834% | 5,296 |
| Retained earnings to average equity (ytd only) | 3.7834% | 3,891 |
| Net charge-offs to loans | 0.3798% | 1,693 |
| Credit loss provision to net charge-offs | 73.3871% | 2,756 |
| Earnings coverage of net charge-offs (x) | 3.0121% | 3,525 |
| Efficiency ratio | 85.1609% | 1,504 |
| Assets per employee ($millions) | 3.4202% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 5,003 |
| Loan loss allowance to noncurrent loans | 730.6034% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 6,208 |
| Noncurrent loans to loans | 0.1640% | 5,914 |
| Net loans and leases to total assets | 57.5430% | 4,058 |
| Net loans and leases to deposits | 64.4872% | 4,438 |
| Net loans and leases to core deposits | 69.0856% | 4,379 |
| Total domestic deposits to total assets | 89.2317% | 1,491 |
| Equity capital to assets | 10.1872% | 3,673 |
| Core capital (leverage) ratio | 9.2281% | 4,656 |
| Tier 1 risk-based capital ratio | 14.2985% | 4,230 |
| Total risk-based capital ratio | 15.3810% | 4,297 |
| Memoranda: | ||
| Average total assets | $245,102,000 | 2,600 |
| Average earning assets | $218,079,330 | 2,662 |
| Average equity | $25,215,330 | 2,651 |
| Average total loans | $130,601,000 | 2,868 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 3,328 |
| Cost of funding earning assets | 0.5767% | 3,317 |
| Net interest margin | 3.6176% | 3,195 |
| Noninterest income to average assets | 0.6579% | 2,828 |
| Noninterest expense to average assets | 3.5072% | 1,605 |
| Loan and lease loss provision to assets | 0.1495% | 2,383 |
| Net operating income to assets | 0.1689% | 5,984 |
| Return on assets (ROA) | 0.1689% | 6,086 |
| Pretax return on assets | 0.2112% | 6,053 |
| Return on Equity (ROE) | 1.6343% | 6,047 |
| Retained earnings to average equity (ytd only) | 1.6343% | 5,163 |
| Net charge-offs to loans | 0.2205% | 2,106 |
| Credit loss provision to net charge-offs | 133.3333% | 1,484 |
| Earnings coverage of net charge-offs (x) | 3.2174% | 2,816 |
| Efficiency ratio | 90.6762% | 1,084 |
| Assets per employee ($millions) | 3.6096% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 3,967 |
| Loan loss allowance to noncurrent loans | 60.3518% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 1.1857% | 3,589 |
| Noncurrent loans to loans | 2.4215% | 2,135 |
| Net loans and leases to total assets | 47.6070% | 5,269 |
| Net loans and leases to deposits | 53.3264% | 5,494 |
| Net loans and leases to core deposits | 56.5309% | 5,472 |
| Total domestic deposits to total assets | 89.2748% | 1,506 |
| Equity capital to assets | 10.0592% | 4,067 |
| Core capital (leverage) ratio | 8.8093% | 5,172 |
| Tier 1 risk-based capital ratio | 15.2708% | 3,671 |
| Total risk-based capital ratio | 16.5082% | 3,631 |
| Memoranda: | ||
| Average total assets | $246,236,000 | 2,619 |
| Average earning assets | $218,490,000 | 2,685 |
| Average equity | $25,454,000 | 2,666 |
| Average total loans | $125,187,000 | 2,985 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9363% | 1,728 |
| Cost of funding earning assets | 0.6066% | 4,275 |
| Net interest margin | 4.3297% | 1,326 |
| Noninterest income to average assets | 0.7503% | 2,495 |
| Noninterest expense to average assets | 3.6614% | 1,484 |
| Loan and lease loss provision to assets | 0.3614% | 1,835 |
| Net operating income to assets | 0.4354% | 4,945 |
| Return on assets (ROA) | 0.5328% | 4,820 |
| Pretax return on assets | 0.6648% | 4,776 |
| Return on Equity (ROE) | 4.6648% | 4,852 |
| Retained earnings to average equity (ytd only) | 0.2055% | 5,748 |
| Net charge-offs to loans | 0.4294% | 2,517 |
| Credit loss provision to net charge-offs | 151.6729% | 1,793 |
| Earnings coverage of net charge-offs (x) | 3.7955% | 3,601 |
| Efficiency ratio | 80.1921% | 2,119 |
| Assets per employee ($millions) | 3.3305% | 5,360 |
| Cash dividends to net income (ytd only)* | 95.5943% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 4,298 |
| Loan loss allowance to noncurrent loans | 54.8940% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 1.3378% | 3,403 |
| Noncurrent loans to loans | 2.5004% | 2,111 |
| Net loans and leases to total assets | 52.7688% | 4,793 |
| Net loans and leases to deposits | 59.6121% | 5,065 |
| Net loans and leases to core deposits | 62.7379% | 5,087 |
| Total domestic deposits to total assets | 88.5203% | 1,891 |
| Equity capital to assets | 10.6302% | 3,366 |
| Core capital (leverage) ratio | 9.8019% | 3,655 |
| Tier 1 risk-based capital ratio | 14.8991% | 3,776 |
| Total risk-based capital ratio | 16.0964% | 3,761 |
| Memoranda: | ||
| Average total assets | $225,785,600 | 2,776 |
| Average earning assets | $198,975,600 | 2,858 |
| Average equity | $25,788,800 | 2,586 |
| Average total loans | $125,282,200 | 2,979 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9231% | 1,927 |
| Cost of funding earning assets | 0.6122% | 4,519 |
| Net interest margin | 4.3110% | 1,436 |
| Noninterest income to average assets | 0.7696% | 2,383 |
| Noninterest expense to average assets | 3.7387% | 1,309 |
| Loan and lease loss provision to assets | 0.2375% | 2,675 |
| Net operating income to assets | 0.5224% | 4,746 |
| Return on assets (ROA) | 0.5224% | 5,011 |
| Pretax return on assets | 0.6076% | 5,141 |
| Return on Equity (ROE) | 4.4902% | 5,044 |
| Retained earnings to average equity (ytd only) | 4.4902% | 3,736 |
| Net charge-offs to loans | 0.2559% | 3,190 |
| Credit loss provision to net charge-offs | 165.6904% | 1,683 |
| Earnings coverage of net charge-offs (x) | 5.8954% | 2,901 |
| Efficiency ratio | 81.5624% | 1,854 |
| Assets per employee ($millions) | 3.1232% | 5,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 5,477 |
| Loan loss allowance to noncurrent loans | 48.2353% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 1.5777% | 3,230 |
| Noncurrent loans to loans | 2.4033% | 2,400 |
| Net loans and leases to total assets | 64.8859% | 2,863 |
| Net loans and leases to deposits | 74.9141% | 3,156 |
| Net loans and leases to core deposits | 79.5534% | 3,264 |
| Total domestic deposits to total assets | 86.6136% | 2,913 |
| Equity capital to assets | 12.3390% | 2,003 |
| Core capital (leverage) ratio | 10.3513% | 3,104 |
| Tier 1 risk-based capital ratio | 14.1467% | 4,420 |
| Total risk-based capital ratio | 15.1674% | 4,552 |
| Memoranda: | ||
| Average total assets | $222,282,750 | 2,836 |
| Average earning assets | $196,671,750 | 2,906 |
| Average equity | $25,863,250 | 2,604 |
| Average total loans | $124,528,000 | 3,026 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6965% | 2,928 |
| Cost of funding earning assets | 0.6085% | 4,828 |
| Net interest margin | 4.0881% | 2,137 |
| Noninterest income to average assets | 0.7491% | 2,417 |
| Noninterest expense to average assets | 3.7071% | 1,354 |
| Loan and lease loss provision to assets | 0.2351% | 2,721 |
| Net operating income to assets | 0.3759% | 5,325 |
| Return on assets (ROA) | 0.3759% | 5,550 |
| Pretax return on assets | 0.4213% | 5,655 |
| Return on Equity (ROE) | 3.2942% | 5,560 |
| Retained earnings to average equity (ytd only) | 3.2942% | 4,413 |
| Net charge-offs to loans | 0.5451% | 1,955 |
| Credit loss provision to net charge-offs | 81.4815% | 3,276 |
| Earnings coverage of net charge-offs (x) | 2.2747% | 3,858 |
| Efficiency ratio | 84.9561% | 1,538 |
| Assets per employee ($millions) | 3.0464% | 5,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 5,688 |
| Loan loss allowance to noncurrent loans | 40.5876% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 1.5984% | 3,318 |
| Noncurrent loans to loans | 2.7631% | 2,172 |
| Net loans and leases to total assets | 57.2008% | 4,296 |
| Net loans and leases to deposits | 65.3307% | 4,597 |
| Net loans and leases to core deposits | 69.2554% | 4,632 |
| Total domestic deposits to total assets | 87.5557% | 2,431 |
| Equity capital to assets | 11.8215% | 2,293 |
| Core capital (leverage) ratio | 10.1699% | 3,179 |
| Tier 1 risk-based capital ratio | 14.6874% | 3,974 |
| Total risk-based capital ratio | 15.6254% | 4,154 |
| Memoranda: | ||
| Average total assets | $224,542,670 | 2,817 |
| Average earning assets | $198,529,000 | 2,890 |
| Average equity | $25,620,670 | 2,613 |
| Average total loans | $118,880,330 | 3,157 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4385% | 4,167 |
| Cost of funding earning assets | 0.6097% | 5,055 |
| Net interest margin | 3.8288% | 3,250 |
| Noninterest income to average assets | 0.6797% | 2,761 |
| Noninterest expense to average assets | 3.6012% | 1,553 |
| Loan and lease loss provision to assets | 0.2272% | 2,675 |
| Net operating income to assets | 0.1814% | 6,038 |
| Return on assets (ROA) | 0.1814% | 6,178 |
| Pretax return on assets | 0.2465% | 6,090 |
| Return on Equity (ROE) | 1.6178% | 6,186 |
| Retained earnings to average equity (ytd only) | 1.6178% | 5,430 |
| Net charge-offs to loans | 0.1010% | 3,532 |
| Credit loss provision to net charge-offs | 444.8276% | 726 |
| Earnings coverage of net charge-offs (x) | 9.2759% | 1,858 |
| Efficiency ratio | 88.3751% | 1,233 |
| Assets per employee ($millions) | 3.1616% | 5,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 4,639 |
| Loan loss allowance to noncurrent loans | 35.2404% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 1.9734% | 2,942 |
| Noncurrent loans to loans | 3.9582% | 1,552 |
| Net loans and leases to total assets | 49.1592% | 5,413 |
| Net loans and leases to deposits | 55.5955% | 5,649 |
| Net loans and leases to core deposits | 58.5243% | 5,670 |
| Total domestic deposits to total assets | 88.4230% | 2,054 |
| Equity capital to assets | 11.1447% | 2,762 |
| Core capital (leverage) ratio | 9.4934% | 4,056 |
| Tier 1 risk-based capital ratio | 15.6397% | 3,368 |
| Total risk-based capital ratio | 16.7670% | 3,416 |
| Memoranda: | ||
| Average total assets | $227,145,000 | 2,802 |
| Average earning assets | $201,419,500 | 2,878 |
| Average equity | $25,466,500 | 2,627 |
| Average total loans | $114,877,500 | 3,254 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9827% | 2,956 |
| Cost of funding earning assets | 0.6901% | 5,608 |
| Net interest margin | 4.2927% | 1,720 |
| Noninterest income to average assets | 1.4272% | 639 |
| Noninterest expense to average assets | 4.0839% | 930 |
| Loan and lease loss provision to assets | 0.2546% | 3,661 |
| Net operating income to assets | 0.6562% | 3,713 |
| Return on assets (ROA) | 0.7498% | 3,428 |
| Pretax return on assets | 0.9847% | 3,297 |
| Return on Equity (ROE) | 7.6086% | 3,097 |
| Retained earnings to average equity (ytd only) | 2.3789% | 4,532 |
| Net charge-offs to loans | 0.2725% | 4,064 |
| Credit loss provision to net charge-offs | 169.9060% | 1,580 |
| Earnings coverage of net charge-offs (x) | 7.4483% | 2,335 |
| Efficiency ratio | 78.5346% | 2,519 |
| Assets per employee ($millions) | 3.1924% | 5,727 |
| Cash dividends to net income (ytd only)* | 68.7343% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 5,038 |
| Loan loss allowance to noncurrent loans | 33.9437% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 1.9315% | 3,063 |
| Noncurrent loans to loans | 3.7576% | 1,672 |
| Net loans and leases to total assets | 50.6433% | 5,509 |
| Net loans and leases to deposits | 57.5809% | 5,741 |
| Net loans and leases to core deposits | 61.8764% | 5,667 |
| Total domestic deposits to total assets | 87.9515% | 2,196 |
| Equity capital to assets | 11.2787% | 2,712 |
| Core capital (leverage) ratio | 10.2635% | 3,010 |
| Tier 1 risk-based capital ratio | 16.0762% | 2,999 |
| Total risk-based capital ratio | 17.1669% | 3,047 |
| Memoranda: | ||
| Average total assets | $212,860,400 | 2,912 |
| Average earning assets | $187,086,200 | 2,997 |
| Average equity | $20,976,200 | 3,013 |
| Average total loans | $117,059,000 | 3,234 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9804% | 3,185 |
| Cost of funding earning assets | 0.7101% | 5,700 |
| Net interest margin | 4.2703% | 1,823 |
| Noninterest income to average assets | 1.6554% | 496 |
| Noninterest expense to average assets | 3.9780% | 1,032 |
| Loan and lease loss provision to assets | 0.1273% | 4,841 |
| Net operating income to assets | 0.9347% | 2,600 |
| Return on assets (ROA) | 0.9347% | 2,757 |
| Pretax return on assets | 1.3020% | 2,280 |
| Return on Equity (ROE) | 9.8707% | 2,241 |
| Retained earnings to average equity (ytd only) | 9.3866% | 1,016 |
| Net charge-offs to loans | 0.0523% | 5,452 |
| Credit loss provision to net charge-offs | 434.7826% | 645 |
| Earnings coverage of net charge-offs (x) | 48.8058% | 665 |
| Efficiency ratio | 73.5665% | 3,264 |
| Assets per employee ($millions) | 2.9878% | 6,147 |
| Cash dividends to net income (ytd only)* | 4.9048% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 5,939 |
| Loan loss allowance to noncurrent loans | 97.3847% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6995% | 5,397 |
| Noncurrent loans to loans | 1.1164% | 4,685 |
| Net loans and leases to total assets | 61.5516% | 3,830 |
| Net loans and leases to deposits | 71.1698% | 4,109 |
| Net loans and leases to core deposits | 76.1231% | 4,183 |
| Total domestic deposits to total assets | 86.4856% | 2,944 |
| Equity capital to assets | 12.7761% | 1,738 |
| Core capital (leverage) ratio | 10.9575% | 2,427 |
| Tier 1 risk-based capital ratio | 15.7591% | 3,246 |
| Total risk-based capital ratio | 16.7390% | 3,367 |
| Memoranda: | ||
| Average total assets | $209,411,000 | 2,966 |
| Average earning assets | $183,995,750 | 3,049 |
| Average equity | $19,829,250 | 3,174 |
| Average total loans | $117,256,250 | 3,255 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 4,395 |
| Cost of funding earning assets | 0.7282% | 5,787 |
| Net interest margin | 4.0019% | 2,829 |
| Noninterest income to average assets | 2.0458% | 351 |
| Noninterest expense to average assets | 3.9637% | 1,101 |
| Loan and lease loss provision to assets | 0.0764% | 5,354 |
| Net operating income to assets | 1.1007% | 1,870 |
| Return on assets (ROA) | 1.1007% | 1,957 |
| Pretax return on assets | 1.5103% | 1,502 |
| Return on Equity (ROE) | 13.1531% | 1,167 |
| Retained earnings to average equity (ytd only) | 12.3317% | 480 |
| Net charge-offs to loans | 0.1080% | 4,610 |
| Credit loss provision to net charge-offs | 131.1475% | 2,330 |
| Earnings coverage of net charge-offs (x) | 27.2459% | 995 |
| Efficiency ratio | 71.4138% | 3,847 |
| Assets per employee ($millions) | 2.8838% | 6,332 |
| Cash dividends to net income (ytd only)* | 6.2446% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 6,158 |
| Loan loss allowance to noncurrent loans | 649.7462% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 6,795 |
| Noncurrent loans to loans | 0.1610% | 6,579 |
| Net loans and leases to total assets | 57.5203% | 4,719 |
| Net loans and leases to deposits | 67.0851% | 4,842 |
| Net loans and leases to core deposits | 71.6662% | 4,855 |
| Total domestic deposits to total assets | 85.7422% | 3,474 |
| Equity capital to assets | 9.3779% | 5,018 |
| Core capital (leverage) ratio | 8.0788% | 6,193 |
| Tier 1 risk-based capital ratio | 11.2783% | 6,332 |
| Total risk-based capital ratio | 12.1563% | 6,564 |
| Memoranda: | ||
| Average total assets | $209,498,670 | 2,981 |
| Average earning assets | $183,463,670 | 3,081 |
| Average equity | $17,532,000 | 3,492 |
| Average total loans | $112,958,670 | 3,388 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 5,250 |
| Cost of funding earning assets | 0.7633% | 5,783 |
| Net interest margin | 3.7635% | 3,784 |
| Noninterest income to average assets | 0.6680% | 2,740 |
| Noninterest expense to average assets | 3.9064% | 1,165 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1225% | 6,033 |
| Return on assets (ROA) | 0.1225% | 6,091 |
| Pretax return on assets | 0.0364% | 6,289 |
| Return on Equity (ROE) | 1.5584% | 5,961 |
| Retained earnings to average equity (ytd only) | -0.1948% | 5,822 |
| Net charge-offs to loans | 0.2919% | 2,887 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.2405% | 4,435 |
| Efficiency ratio | 99.0777% | 782 |
| Assets per employee ($millions) | 2.9770% | 6,189 |
| Cash dividends to net income (ytd only)* | 112.5000% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 5,934 |
| Loan loss allowance to noncurrent loans | 539.7260% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 6,841 |
| Noncurrent loans to loans | 0.2091% | 6,553 |
| Net loans and leases to total assets | 48.9857% | 5,961 |
| Net loans and leases to deposits | 53.5708% | 6,335 |
| Net loans and leases to core deposits | 57.5232% | 6,303 |
| Total domestic deposits to total assets | 91.4410% | 430 |
| Equity capital to assets | 8.2865% | 6,178 |
| Core capital (leverage) ratio | 7.0674% | 6,978 |
| Tier 1 risk-based capital ratio | 11.5927% | 6,032 |
| Total risk-based capital ratio | 12.4853% | 6,292 |
| Memoranda: | ||
| Average total assets | $208,989,500 | 2,998 |
| Average earning assets | $181,850,000 | 3,120 |
| Average equity | $16,427,000 | 3,646 |
| Average total loans | $108,253,000 | 3,536 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2665% | 3,290 |
| Cost of funding earning assets | 1.0754% | 5,283 |
| Net interest margin | 4.1911% | 2,223 |
| Noninterest income to average assets | 0.9100% | 1,817 |
| Noninterest expense to average assets | 4.3450% | 771 |
| Loan and lease loss provision to assets | 0.0655% | 6,490 |
| Net operating income to assets | 0.2346% | 5,161 |
| Return on assets (ROA) | 0.2848% | 5,146 |
| Pretax return on assets | 0.1560% | 5,583 |
| Return on Equity (ROE) | 3.4946% | 4,759 |
| Retained earnings to average equity (ytd only) | 3.4946% | 3,421 |
| Net charge-offs to loans | 0.1804% | 5,240 |
| Credit loss provision to net charge-offs | 64.1711% | 6,005 |
| Earnings coverage of net charge-offs (x) | 1.6791% | 4,480 |
| Efficiency ratio | 96.2068% | 957 |
| Assets per employee ($millions) | 2.7186% | 6,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 5,835 |
| Loan loss allowance to noncurrent loans | 510.5263% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 6,862 |
| Noncurrent loans to loans | 0.2210% | 6,623 |
| Net loans and leases to total assets | 53.4933% | 5,703 |
| Net loans and leases to deposits | 58.0024% | 6,255 |
| Net loans and leases to core deposits | 62.0438% | 6,234 |
| Total domestic deposits to total assets | 92.2260% | 233 |
| Equity capital to assets | 7.4241% | 6,921 |
| Core capital (leverage) ratio | 7.1220% | 6,959 |
| Tier 1 risk-based capital ratio | 9.9814% | 6,988 |
| Total risk-based capital ratio | 10.9235% | 7,091 |
| Memoranda: | ||
| Average total assets | $183,293,000 | 3,323 |
| Average earning assets | $157,715,200 | 3,492 |
| Average equity | $14,937,200 | 3,949 |
| Average total loans | $103,681,000 | 3,685 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2856% | 3,424 |
| Cost of funding earning assets | 1.1323% | 5,244 |
| Net interest margin | 4.1534% | 2,395 |
| Noninterest income to average assets | 0.8873% | 1,844 |
| Noninterest expense to average assets | 4.3538% | 705 |
| Loan and lease loss provision to assets | 0.0902% | 6,138 |
| Net operating income to assets | 0.2059% | 5,490 |
| Return on assets (ROA) | 0.2750% | 5,421 |
| Pretax return on assets | 0.0841% | 5,942 |
| Return on Equity (ROE) | 3.2891% | 5,099 |
| Retained earnings to average equity (ytd only) | 3.2891% | 4,129 |
| Net charge-offs to loans | 0.1876% | 4,828 |
| Credit loss provision to net charge-offs | 83.9161% | 5,003 |
| Earnings coverage of net charge-offs (x) | 0.9790% | 5,079 |
| Efficiency ratio | 97.6411% | 832 |
| Assets per employee ($millions) | 2.4197% | 7,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 6,260 |
| Loan loss allowance to noncurrent loans | 694.1489% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 7,081 |
| Noncurrent loans to loans | 0.1486% | 6,877 |
| Net loans and leases to total assets | 68.9731% | 2,997 |
| Net loans and leases to deposits | 76.1963% | 4,149 |
| Net loans and leases to core deposits | 82.4043% | 4,184 |
| Total domestic deposits to total assets | 90.5202% | 631 |
| Equity capital to assets | 8.3871% | 6,409 |
| Core capital (leverage) ratio | 6.6817% | 7,291 |
| Tier 1 risk-based capital ratio | 8.4999% | 7,435 |
| Total risk-based capital ratio | 9.4087% | 7,475 |
| Memoranda: | ||
| Average total assets | $177,463,500 | 3,460 |
| Average earning assets | $152,610,750 | 3,645 |
| Average equity | $14,836,750 | 4,023 |
| Average total loans | $101,655,250 | 3,811 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9127% | 5,338 |
| Cost of funding earning assets | 1.1356% | 5,484 |
| Net interest margin | 3.7771% | 4,007 |
| Noninterest income to average assets | 0.8903% | 1,723 |
| Noninterest expense to average assets | 4.3458% | 683 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1465% | 5,733 |
| Return on assets (ROA) | 0.1465% | 5,847 |
| Pretax return on assets | -0.2112% | 6,350 |
| Return on Equity (ROE) | 1.7541% | 5,711 |
| Retained earnings to average equity (ytd only) | 1.7541% | 4,992 |
| Net charge-offs to loans | 0.2142% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -1.8600% | 6,198 |
| Efficiency ratio | 105.1085% | 650 |
| Assets per employee ($millions) | 2.3746% | 7,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 5,810 |
| Loan loss allowance to noncurrent loans | 579.2453% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 7,078 |
| Noncurrent loans to loans | 0.1946% | 6,864 |
| Net loans and leases to total assets | 60.4774% | 4,971 |
| Net loans and leases to deposits | 66.3668% | 5,760 |
| Net loans and leases to core deposits | 72.8378% | 5,578 |
| Total domestic deposits to total assets | 91.1260% | 440 |
| Equity capital to assets | 8.2839% | 6,445 |
| Core capital (leverage) ratio | 6.7066% | 7,321 |
| Tier 1 risk-based capital ratio | 9.4106% | 7,299 |
| Total risk-based capital ratio | 10.3762% | 7,390 |
| Memoranda: | ||
| Average total assets | $176,124,330 | 3,502 |
| Average earning assets | $151,280,670 | 3,690 |
| Average equity | $14,708,670 | 4,047 |
| Average total loans | $93,381,000 | 4,073 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6448% | 6,428 |
| Cost of funding earning assets | 1.1011% | 5,906 |
| Net interest margin | 3.5437% | 4,977 |
| Noninterest income to average assets | 0.9158% | 1,570 |
| Noninterest expense to average assets | 4.1133% | 893 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3586% | 5,033 |
| Return on assets (ROA) | 0.3586% | 5,162 |
| Pretax return on assets | -0.1690% | 6,528 |
| Return on Equity (ROE) | 4.2760% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.2760% | 3,580 |
| Net charge-offs to loans | 0.1028% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -3.3636% | 5,506 |
| Efficiency ratio | 104.2849% | 720 |
| Assets per employee ($millions) | 2.5567% | 7,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 3,728 |
| Loan loss allowance to noncurrent loans | 1,764.8649% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 7,371 |
| Noncurrent loans to loans | 0.0869% | 7,175 |
| Net loans and leases to total assets | 45.5324% | 6,869 |
| Net loans and leases to deposits | 49.7292% | 7,138 |
| Net loans and leases to core deposits | 54.7649% | 7,066 |
| Total domestic deposits to total assets | 91.5607% | 353 |
| Equity capital to assets | 8.0237% | 6,629 |
| Core capital (leverage) ratio | 6.7295% | 7,379 |
| Tier 1 risk-based capital ratio | 10.9575% | 6,204 |
| Total risk-based capital ratio | 12.1504% | 6,230 |
| Memoranda: | ||
| Average total assets | $175,140,000 | 3,574 |
| Average earning assets | $149,674,000 | 3,762 |
| Average equity | $14,686,500 | 4,084 |
| Average total loans | $85,604,500 | 4,337 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6059% | 3,573 |
| Cost of funding earning assets | 1.0402% | 7,123 |
| Net interest margin | 4.5658% | 1,043 |
| Noninterest income to average assets | 0.9226% | 1,860 |
| Noninterest expense to average assets | 4.7535% | 632 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0813% | 5,261 |
| Return on assets (ROA) | 0.3337% | 4,487 |
| Pretax return on assets | 0.3337% | 4,677 |
| Return on Equity (ROE) | 3.4516% | 4,310 |
| Retained earnings to average equity (ytd only) | 3.0245% | 3,049 |
| Net charge-offs to loans | 0.1167% | 6,001 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 1.3261% | 4,805 |
| Efficiency ratio | 98.3191% | 1,193 |
| Assets per employee ($millions) | 2.3743% | 7,388 |
| Cash dividends to net income (ytd only)* | 12.3752% | 3,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 3,514 |
| Loan loss allowance to noncurrent loans | 1,794.5946% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 7,312 |
| Noncurrent loans to loans | 0.0860% | 7,201 |
| Net loans and leases to total assets | 50.9982% | 6,529 |
| Net loans and leases to deposits | 56.1988% | 6,907 |
| Net loans and leases to core deposits | 70.1398% | 6,763 |
| Total domestic deposits to total assets | 90.7461% | 641 |
| Equity capital to assets | 8.7864% | 5,461 |
| Core capital (leverage) ratio | 7.5502% | 6,740 |
| Tier 1 risk-based capital ratio | 11.1114% | 5,816 |
| Total risk-based capital ratio | 12.3456% | 5,785 |
| Memoranda: | ||
| Average total assets | $150,122,400 | 3,958 |
| Average earning assets | $128,631,200 | 4,116 |
| Average equity | $14,514,800 | 4,143 |
| Average total loans | $78,802,800 | 4,560 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5830% | 3,957 |
| Cost of funding earning assets | 1.0619% | 7,262 |
| Net interest margin | 4.5211% | 1,144 |
| Noninterest income to average assets | 0.9071% | 1,954 |
| Noninterest expense to average assets | 4.5757% | 676 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2364% | 5,035 |
| Return on assets (ROA) | 0.5439% | 3,899 |
| Pretax return on assets | 0.5439% | 4,382 |
| Return on Equity (ROE) | 5.4831% | 3,750 |
| Retained earnings to average equity (ytd only) | 5.2439% | 2,348 |
| Net charge-offs to loans | 0.1247% | 5,447 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 3.5971% | 3,468 |
| Efficiency ratio | 95.0882% | 1,325 |
| Assets per employee ($millions) | 2.4160% | 7,356 |
| Cash dividends to net income (ytd only)* | 4.3629% | 3,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 4,118 |
| Loan loss allowance to noncurrent loans | 1,162.0690% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 7,375 |
| Noncurrent loans to loans | 0.1178% | 7,183 |
| Net loans and leases to total assets | 61.8522% | 5,267 |
| Net loans and leases to deposits | 77.5790% | 4,806 |
| Net loans and leases to core deposits | 101.2878% | 4,236 |
| Total domestic deposits to total assets | 79.7280% | 5,551 |
| Equity capital to assets | 9.6186% | 4,601 |
| Core capital (leverage) ratio | 8.0042% | 6,347 |
| Tier 1 risk-based capital ratio | 10.5039% | 6,466 |
| Total risk-based capital ratio | 11.6252% | 6,535 |
| Memoranda: | ||
| Average total assets | $146,103,000 | 4,038 |
| Average earning assets | $126,189,750 | 4,204 |
| Average equity | $14,492,750 | 4,189 |
| Average total loans | $76,981,750 | 4,662 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3964% | 5,172 |
| Cost of funding earning assets | 1.1366% | 7,283 |
| Net interest margin | 4.2598% | 1,782 |
| Noninterest income to average assets | 0.8901% | 2,022 |
| Noninterest expense to average assets | 4.4336% | 829 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1292% | 5,476 |
| Return on assets (ROA) | 0.4240% | 4,519 |
| Pretax return on assets | 0.4240% | 4,859 |
| Return on Equity (ROE) | 4.2271% | 4,409 |
| Retained earnings to average equity (ytd only) | 3.8632% | 3,137 |
| Net charge-offs to loans | 0.2063% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.2778% | 4,569 |
| Efficiency ratio | 97.1692% | 1,306 |
| Assets per employee ($millions) | 2.1870% | 7,689 |
| Cash dividends to net income (ytd only)* | 8.6093% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7170% | 2,283 |
| Loan loss allowance to noncurrent loans | 1,078.4000% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 7,233 |
| Noncurrent loans to loans | 0.1592% | 7,126 |
| Net loans and leases to total assets | 54.2799% | 6,412 |
| Net loans and leases to deposits | 61.8269% | 6,741 |
| Net loans and leases to core deposits | 77.4388% | 6,580 |
| Total domestic deposits to total assets | 87.7933% | 1,875 |
| Equity capital to assets | 10.0196% | 3,913 |
| Core capital (leverage) ratio | 8.3540% | 5,702 |
| Tier 1 risk-based capital ratio | 12.3531% | 4,637 |
| Total risk-based capital ratio | 13.6014% | 4,563 |
| Memoranda: | ||
| Average total assets | $142,457,670 | 4,126 |
| Average earning assets | $122,822,000 | 4,295 |
| Average equity | $14,288,670 | 4,246 |
| Average total loans | $69,815,670 | 4,968 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3489% | 5,661 |
| Cost of funding earning assets | 1.2686% | 7,123 |
| Net interest margin | 4.0804% | 2,355 |
| Noninterest income to average assets | 0.8807% | 1,929 |
| Noninterest expense to average assets | 4.4737% | 729 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0926% | 6,402 |
| Return on assets (ROA) | -0.0926% | 6,518 |
| Pretax return on assets | -0.0926% | 6,470 |
| Return on Equity (ROE) | -0.9223% | 6,529 |
| Retained earnings to average equity (ytd only) | -0.9223% | 5,870 |
| Net charge-offs to loans | 0.0672% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 5,517 |
| Efficiency ratio | 102.1127% | 1,048 |
| Assets per employee ($millions) | 2.2424% | 7,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3237% | 918 |
| Loan loss allowance to noncurrent loans | 485.8621% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.2613% | 6,724 |
| Noncurrent loans to loans | 0.4783% | 6,229 |
| Net loans and leases to total assets | 41.2694% | 7,509 |
| Net loans and leases to deposits | 46.0141% | 7,662 |
| Net loans and leases to core deposits | 56.6300% | 7,587 |
| Total domestic deposits to total assets | 89.6887% | 937 |
| Equity capital to assets | 10.0061% | 4,001 |
| Core capital (leverage) ratio | 7.5707% | 7,064 |
| Tier 1 risk-based capital ratio | 14.4650% | 3,328 |
| Total risk-based capital ratio | 15.7254% | 3,245 |
| Memoranda: | ||
| Average total assets | $142,610,500 | 4,136 |
| Average earning assets | $122,342,000 | 4,323 |
| Average equity | $14,311,500 | 4,265 |
| Average total loans | $65,469,500 | 5,154 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2957% | 3,980 |
| Cost of funding earning assets | 1.7386% | 7,167 |
| Net interest margin | 4.5572% | 1,293 |
| Noninterest income to average assets | 0.9403% | 1,814 |
| Noninterest expense to average assets | 4.3011% | 1,045 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5435% | 4,558 |
| Return on assets (ROA) | 0.6100% | 4,124 |
| Pretax return on assets | 0.6100% | 4,662 |
| Return on Equity (ROE) | 6.1944% | 3,864 |
| Retained earnings to average equity (ytd only) | 5.1704% | 1,920 |
| Net charge-offs to loans | 0.0746% | 5,692 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 15.8333% | 1,901 |
| Efficiency ratio | 88.7823% | 1,606 |
| Assets per employee ($millions) | 2.2856% | 7,584 |
| Cash dividends to net income (ytd only)* | 16.5299% | 4,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0198% | 1,186 |
| Loan loss allowance to noncurrent loans | 1,145.1613% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 6,970 |
| Noncurrent loans to loans | 0.1764% | 6,860 |
| Net loans and leases to total assets | 48.6091% | 7,137 |
| Net loans and leases to deposits | 56.8351% | 7,273 |
| Net loans and leases to core deposits | 70.1078% | 7,180 |
| Total domestic deposits to total assets | 85.5266% | 2,620 |
| Equity capital to assets | 10.0651% | 3,959 |
| Core capital (leverage) ratio | 8.2716% | 6,006 |
| Tier 1 risk-based capital ratio | 13.2726% | 3,952 |
| Total risk-based capital ratio | 14.3849% | 3,952 |
| Memoranda: | ||
| Average total assets | $139,847,200 | 4,082 |
| Average earning assets | $119,811,400 | 4,263 |
| Average equity | $13,770,600 | 4,388 |
| Average total loans | $64,307,200 | 5,087 |