Home > Waterford Bank, N.A. > Performance and Condition Ratios
Waterford Bank, N.A., 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 | 5.2976% | 2,521 |
| Cost of funding earning assets | 2.3277% | 1,171 |
| Net interest margin | 2.9699% | 3,455 |
| Noninterest income to average assets | 0.2400% | 3,290 |
| Noninterest expense to average assets | 1.7555% | 3,976 |
| Loan and lease loss provision to assets | 0.1100% | 1,177 |
| Net operating income to assets | 0.9735% | 2,351 |
| Return on assets (ROA) | 0.9429% | 2,447 |
| Pretax return on assets | 1.1669% | 2,318 |
| Return on Equity (ROE) | 10.9000% | 2,052 |
| Retained earnings to average equity (ytd only) | 2.8697% | 3,122 |
| Net charge-offs to loans | 1.7956% | 85 |
| Credit loss provision to net charge-offs | 8.5748% | 1,695 |
| Earnings coverage of net charge-offs (x) | 0.9622% | 2,174 |
| Efficiency ratio | 56.8519% | 3,322 |
| Assets per employee ($millions) | 18.2082% | 127 |
| Cash dividends to net income (ytd only)* | 73.6739% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 2,669 |
| Loan loss allowance to noncurrent loans | 286.6183% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 2,117 |
| Noncurrent loans to loans | 0.3866% | 2,154 |
| Net loans and leases to total assets | 73.9200% | 1,344 |
| Net loans and leases to deposits | 83.2485% | 1,765 |
| Net loans and leases to core deposits | 98.0260% | 1,503 |
| Total domestic deposits to total assets | 88.8000% | 1,267 |
| Equity capital to assets | 8.6426% | 3,198 |
| Core capital (leverage) ratio | 9.4146% | 3,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7739% | 2,556 |
| Memoranda: | ||
| Average total assets | $1,727,359,000 | 668 |
| Average earning assets | $1,644,910,000 | 645 |
| Average equity | $149,421,500 | 752 |
| Average total loans | $1,314,556,500 | 627 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6035% | 1,941 |
| Cost of funding earning assets | 2.8041% | 696 |
| Net interest margin | 2.7994% | 3,486 |
| Noninterest income to average assets | 0.2500% | 3,380 |
| Noninterest expense to average assets | 1.7064% | 4,081 |
| Loan and lease loss provision to assets | 0.3300% | 359 |
| Net operating income to assets | 0.7217% | 2,914 |
| Return on assets (ROA) | 0.7218% | 2,930 |
| Pretax return on assets | 0.8816% | 2,861 |
| Return on Equity (ROE) | 8.6600% | 2,563 |
| Retained earnings to average equity (ytd only) | 2.6882% | 3,157 |
| Net charge-offs to loans | 0.0052% | 2,750 |
| Credit loss provision to net charge-offs | 8,275.3623% | 61 |
| Earnings coverage of net charge-offs (x) | 303.5217% | 373 |
| Efficiency ratio | 58.0652% | 3,352 |
| Assets per employee ($millions) | 17.4074% | 145 |
| Cash dividends to net income (ytd only)* | 68.9434% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5298% | 928 |
| Loan loss allowance to noncurrent loans | 143.2025% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 852 |
| Noncurrent loans to loans | 1.0683% | 947 |
| Net loans and leases to total assets | 76.3300% | 1,104 |
| Net loans and leases to deposits | 86.0120% | 1,595 |
| Net loans and leases to core deposits | 101.6429% | 1,350 |
| Total domestic deposits to total assets | 88.7400% | 1,246 |
| Equity capital to assets | 8.6583% | 3,066 |
| Core capital (leverage) ratio | 9.1953% | 3,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0572% | 2,512 |
| Memoranda: | ||
| Average total assets | $1,728,175,800 | 662 |
| Average earning assets | $1,646,587,200 | 638 |
| Average equity | $144,113,600 | 752 |
| Average total loans | $1,320,514,600 | 612 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5762% | 1,942 |
| Cost of funding earning assets | 2.8789% | 614 |
| Net interest margin | 2.6973% | 3,600 |
| Noninterest income to average assets | 0.2600% | 3,292 |
| Noninterest expense to average assets | 1.6749% | 4,107 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 0.8738% | 2,462 |
| Return on assets (ROA) | 0.8740% | 2,467 |
| Pretax return on assets | 1.0753% | 2,321 |
| Return on Equity (ROE) | 10.5800% | 2,028 |
| Retained earnings to average equity (ytd only) | 5.1933% | 2,387 |
| Net charge-offs to loans | 0.0084% | 2,347 |
| Credit loss provision to net charge-offs | 1,273.4940% | 339 |
| Earnings coverage of net charge-offs (x) | 181.2169% | 553 |
| Efficiency ratio | 58.7932% | 3,277 |
| Assets per employee ($millions) | 18.1959% | 134 |
| Cash dividends to net income (ytd only)* | 50.9085% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 2,451 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 3,676 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 74.3900% | 1,317 |
| Net loans and leases to deposits | 85.1064% | 1,724 |
| Net loans and leases to core deposits | 99.6637% | 1,497 |
| Total domestic deposits to total assets | 87.4100% | 1,455 |
| Equity capital to assets | 8.7265% | 3,233 |
| Core capital (leverage) ratio | 9.0965% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7260% | 2,621 |
| Memoranda: | ||
| Average total assets | $1,738,089,750 | 647 |
| Average earning assets | $1,656,120,250 | 631 |
| Average equity | $143,592,750 | 742 |
| Average total loans | $1,323,420,750 | 603 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4494% | 2,062 |
| Cost of funding earning assets | 2.8718% | 571 |
| Net interest margin | 2.5776% | 3,768 |
| Noninterest income to average assets | 0.2400% | 3,419 |
| Noninterest expense to average assets | 1.6652% | 4,124 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 0.7590% | 2,764 |
| Return on assets (ROA) | 0.7590% | 2,781 |
| Pretax return on assets | 0.9289% | 2,681 |
| Return on Equity (ROE) | 9.3700% | 2,348 |
| Retained earnings to average equity (ytd only) | 4.7989% | 2,413 |
| Net charge-offs to loans | 0.0126% | 1,966 |
| Credit loss provision to net charge-offs | 1,103.6145% | 372 |
| Earnings coverage of net charge-offs (x) | 107.5542% | 743 |
| Efficiency ratio | 61.2845% | 3,080 |
| Assets per employee ($millions) | 17.4520% | 136 |
| Cash dividends to net income (ytd only)* | 48.7656% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 2,702 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 3,656 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 76.4900% | 1,120 |
| Net loans and leases to deposits | 87.6737% | 1,514 |
| Net loans and leases to core deposits | 106.2878% | 1,140 |
| Total domestic deposits to total assets | 87.2400% | 1,560 |
| Equity capital to assets | 8.0741% | 3,378 |
| Core capital (leverage) ratio | 9.1126% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3758% | 2,726 |
| Memoranda: | ||
| Average total assets | $1,729,118,000 | 654 |
| Average earning assets | $1,648,665,333 | 634 |
| Average equity | $140,116,000 | 759 |
| Average total loans | $1,321,751,000 | 607 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3699% | 2,058 |
| Cost of funding earning assets | 2.8631% | 540 |
| Net interest margin | 2.5068% | 3,856 |
| Noninterest income to average assets | 0.2400% | 3,362 |
| Noninterest expense to average assets | 1.6632% | 4,136 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | 0.7150% | 2,794 |
| Return on assets (ROA) | 0.7150% | 2,812 |
| Pretax return on assets | 0.8711% | 2,737 |
| Return on Equity (ROE) | 8.8100% | 2,444 |
| Retained earnings to average equity (ytd only) | 5.0671% | 2,379 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 62.7519% | 2,942 |
| Assets per employee ($millions) | 17.3771% | 145 |
| Cash dividends to net income (ytd only)* | 42.4698% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 2,714 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 3,650 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 75.2100% | 1,172 |
| Net loans and leases to deposits | 85.3092% | 1,602 |
| Net loans and leases to core deposits | 102.8083% | 1,254 |
| Total domestic deposits to total assets | 88.1700% | 1,368 |
| Equity capital to assets | 8.0508% | 3,338 |
| Core capital (leverage) ratio | 9.2149% | 3,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5028% | 2,713 |
| Memoranda: | ||
| Average total assets | $1,712,350,000 | 666 |
| Average earning assets | $1,632,648,500 | 647 |
| Average equity | $139,014,500 | 768 |
| Average total loans | $1,300,921,000 | 616 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0571% | 1,959 |
| Cost of funding earning assets | 2.4262% | 431 |
| Net interest margin | 2.6310% | 3,930 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 1.7368% | 4,090 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7863% | 2,912 |
| Return on assets (ROA) | 0.7863% | 2,895 |
| Pretax return on assets | 0.9545% | 2,801 |
| Return on Equity (ROE) | 10.2000% | 2,436 |
| Retained earnings to average equity (ytd only) | 5.8284% | 2,311 |
| Net charge-offs to loans | -0.0181% | 4,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.1760% | 2,708 |
| Assets per employee ($millions) | 16.5391% | 159 |
| Cash dividends to net income (ytd only)* | 42.8750% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 2,702 |
| Loan loss allowance to noncurrent loans | 4,976.8166% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 3,403 |
| Noncurrent loans to loans | 0.0226% | 3,582 |
| Net loans and leases to total assets | 75.0300% | 1,239 |
| Net loans and leases to deposits | 87.6346% | 1,471 |
| Net loans and leases to core deposits | 102.7697% | 1,292 |
| Total domestic deposits to total assets | 85.6100% | 2,135 |
| Equity capital to assets | 8.1879% | 3,289 |
| Core capital (leverage) ratio | 9.0947% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4860% | 2,725 |
| Memoranda: | ||
| Average total assets | $1,631,440,400 | 669 |
| Average earning assets | $1,547,255,800 | 647 |
| Average equity | $125,729,800 | 788 |
| Average total loans | $1,211,475,400 | 626 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9598% | 1,920 |
| Cost of funding earning assets | 2.3274% | 385 |
| Net interest margin | 2.6323% | 3,977 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.8140% | 3,952 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.7329% | 3,223 |
| Return on assets (ROA) | 0.7329% | 3,208 |
| Pretax return on assets | 0.8833% | 3,144 |
| Return on Equity (ROE) | 9.6700% | 2,745 |
| Retained earnings to average equity (ytd only) | 5.3188% | 2,835 |
| Net charge-offs to loans | -0.0077% | 3,855 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.9366% | 2,285 |
| Assets per employee ($millions) | 15.7958% | 170 |
| Cash dividends to net income (ytd only)* | 44.9843% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 2,753 |
| Loan loss allowance to noncurrent loans | 4,854.8276% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 3,151 |
| Noncurrent loans to loans | 0.0231% | 3,601 |
| Net loans and leases to total assets | 74.8500% | 1,256 |
| Net loans and leases to deposits | 83.8740% | 1,750 |
| Net loans and leases to core deposits | 96.1606% | 1,544 |
| Total domestic deposits to total assets | 89.2400% | 1,178 |
| Equity capital to assets | 7.4169% | 3,403 |
| Core capital (leverage) ratio | 9.0327% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4070% | 2,751 |
| Memoranda: | ||
| Average total assets | $1,617,552,750 | 677 |
| Average earning assets | $1,532,180,250 | 656 |
| Average equity | $122,630,000 | 801 |
| Average total loans | $1,194,331,250 | 628 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8244% | 1,937 |
| Cost of funding earning assets | 2.1830% | 349 |
| Net interest margin | 2.6414% | 4,054 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.8408% | 3,927 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.7367% | 3,252 |
| Return on assets (ROA) | 0.7367% | 3,261 |
| Pretax return on assets | 0.8863% | 3,202 |
| Return on Equity (ROE) | 9.6500% | 2,806 |
| Retained earnings to average equity (ytd only) | 5.4007% | 2,823 |
| Net charge-offs to loans | -0.0118% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.6986% | 2,154 |
| Assets per employee ($millions) | 15.4624% | 177 |
| Cash dividends to net income (ytd only)* | 44.0081% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 2,757 |
| Loan loss allowance to noncurrent loans | 3,786.5385% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 3,036 |
| Noncurrent loans to loans | 0.0301% | 3,532 |
| Net loans and leases to total assets | 72.3100% | 1,490 |
| Net loans and leases to deposits | 82.7146% | 1,785 |
| Net loans and leases to core deposits | 94.2130% | 1,554 |
| Total domestic deposits to total assets | 87.4300% | 1,792 |
| Equity capital to assets | 7.4515% | 3,550 |
| Core capital (leverage) ratio | 8.8379% | 3,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3567% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,603,885,000 | 673 |
| Average earning assets | $1,519,469,333 | 650 |
| Average equity | $122,502,000 | 796 |
| Average total loans | $1,173,961,667 | 629 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6787% | 1,900 |
| Cost of funding earning assets | 1.9051% | 359 |
| Net interest margin | 2.7736% | 3,982 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.8865% | 3,881 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.7891% | 3,225 |
| Return on assets (ROA) | 0.7891% | 3,174 |
| Pretax return on assets | 0.9462% | 3,137 |
| Return on Equity (ROE) | 10.2000% | 2,726 |
| Retained earnings to average equity (ytd only) | 5.6145% | 2,866 |
| Net charge-offs to loans | -0.0194% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.4293% | 2,279 |
| Assets per employee ($millions) | 14.7743% | 214 |
| Cash dividends to net income (ytd only)* | 44.9583% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 2,705 |
| Loan loss allowance to noncurrent loans | 1,536.1607% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 2,734 |
| Noncurrent loans to loans | 0.0763% | 3,192 |
| Net loans and leases to total assets | 72.6900% | 1,354 |
| Net loans and leases to deposits | 86.4953% | 1,316 |
| Net loans and leases to core deposits | 94.0789% | 1,389 |
| Total domestic deposits to total assets | 84.0400% | 3,084 |
| Equity capital to assets | 7.8229% | 3,368 |
| Core capital (leverage) ratio | 8.9119% | 3,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5899% | 2,835 |
| Memoranda: | ||
| Average total assets | $1,578,590,000 | 695 |
| Average earning assets | $1,496,837,000 | 667 |
| Average equity | $122,111,500 | 806 |
| Average total loans | $1,155,845,000 | 642 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 2,022 |
| Cost of funding earning assets | 0.6281% | 795 |
| Net interest margin | 3.2563% | 2,686 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.8500% | 3,930 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2224% | 1,692 |
| Return on assets (ROA) | 1.2224% | 1,644 |
| Pretax return on assets | 1.5125% | 1,414 |
| Return on Equity (ROE) | 15.8800% | 1,075 |
| Retained earnings to average equity (ytd only) | 12.6494% | 563 |
| Net charge-offs to loans | 0.2753% | 282 |
| Credit loss provision to net charge-offs | 26.7297% | 1,911 |
| Earnings coverage of net charge-offs (x) | 8.2686% | 2,273 |
| Efficiency ratio | 53.6917% | 3,817 |
| Assets per employee ($millions) | 14.1959% | 235 |
| Cash dividends to net income (ytd only)* | 20.3538% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 2,782 |
| Loan loss allowance to noncurrent loans | 2,444.6360% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 2,913 |
| Noncurrent loans to loans | 0.0459% | 3,423 |
| Net loans and leases to total assets | 72.0600% | 1,414 |
| Net loans and leases to deposits | 84.0704% | 1,470 |
| Net loans and leases to core deposits | 88.8978% | 1,560 |
| Total domestic deposits to total assets | 85.7200% | 2,798 |
| Equity capital to assets | 7.6462% | 3,292 |
| Core capital (leverage) ratio | 8.8391% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9006% | 2,757 |
| Memoranda: | ||
| Average total assets | $1,567,429,800 | 681 |
| Average earning assets | $1,496,344,200 | 658 |
| Average equity | $120,645,600 | 810 |
| Average total loans | $1,076,356,000 | 641 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6567% | 2,177 |
| Cost of funding earning assets | 0.4116% | 1,217 |
| Net interest margin | 3.2451% | 2,476 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.8346% | 3,911 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2333% | 1,573 |
| Return on assets (ROA) | 1.2333% | 1,553 |
| Pretax return on assets | 1.5318% | 1,318 |
| Return on Equity (ROE) | 16.0000% | 979 |
| Retained earnings to average equity (ytd only) | 12.2486% | 738 |
| Net charge-offs to loans | 0.3508% | 178 |
| Credit loss provision to net charge-offs | 27.5170% | 1,610 |
| Earnings coverage of net charge-offs (x) | 6.7334% | 2,099 |
| Efficiency ratio | 52.9531% | 3,919 |
| Assets per employee ($millions) | 14.4303% | 223 |
| Cash dividends to net income (ytd only)* | 23.4289% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 2,845 |
| Loan loss allowance to noncurrent loans | 2,473.1801% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 3,020 |
| Noncurrent loans to loans | 0.0460% | 3,552 |
| Net loans and leases to total assets | 69.9700% | 1,479 |
| Net loans and leases to deposits | 79.0517% | 1,627 |
| Net loans and leases to core deposits | 81.6802% | 1,786 |
| Total domestic deposits to total assets | 88.5100% | 2,274 |
| Equity capital to assets | 7.0855% | 3,465 |
| Core capital (leverage) ratio | 8.5524% | 4,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5866% | 2,922 |
| Memoranda: | ||
| Average total assets | $1,568,899,000 | 687 |
| Average earning assets | $1,499,872,250 | 663 |
| Average equity | $120,957,250 | 822 |
| Average total loans | $1,060,921,750 | 648 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3932% | 2,459 |
| Cost of funding earning assets | 0.2344% | 2,452 |
| Net interest margin | 3.1588% | 2,334 |
| Noninterest income to average assets | 0.3094% | 3,307 |
| Noninterest expense to average assets | 1.7947% | 3,966 |
| Loan and lease loss provision to assets | 0.0795% | 1,226 |
| Net operating income to assets | 1.1754% | 1,516 |
| Return on assets (ROA) | 1.1754% | 1,493 |
| Pretax return on assets | 1.4608% | 1,280 |
| Return on Equity (ROE) | 14.8341% | 930 |
| Retained earnings to average equity (ytd only) | 11.2698% | 746 |
| Net charge-offs to loans | 0.3561% | 196 |
| Credit loss provision to net charge-offs | 33.5320% | 1,554 |
| Earnings coverage of net charge-offs (x) | 6.4995% | 1,896 |
| Efficiency ratio | 53.2874% | 4,025 |
| Assets per employee ($millions) | 14.7141% | 210 |
| Cash dividends to net income (ytd only)* | 24.0280% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 2,639 |
| Loan loss allowance to noncurrent loans | 712.3181% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 2,673 |
| Noncurrent loans to loans | 0.1698% | 2,843 |
| Net loans and leases to total assets | 70.4452% | 1,258 |
| Net loans and leases to deposits | 77.4678% | 1,577 |
| Net loans and leases to core deposits | 79.8259% | 1,728 |
| Total domestic deposits to total assets | 90.9349% | 1,266 |
| Equity capital to assets | 7.2759% | 3,614 |
| Core capital (leverage) ratio | 8.0343% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4238% | 3,072 |
| Memoranda: | ||
| Average total assets | $1,557,943,333 | 677 |
| Average earning assets | $1,492,208,000 | 665 |
| Average equity | $123,445,333 | 809 |
| Average total loans | $1,036,668,333 | 651 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2346% | 2,585 |
| Cost of funding earning assets | 0.1830% | 3,047 |
| Net interest margin | 3.0516% | 2,321 |
| Noninterest income to average assets | 0.3195% | 3,185 |
| Noninterest expense to average assets | 1.7778% | 3,996 |
| Loan and lease loss provision to assets | 0.0664% | 1,230 |
| Net operating income to assets | 1.1284% | 1,443 |
| Return on assets (ROA) | 1.1284% | 1,440 |
| Pretax return on assets | 1.4028% | 1,243 |
| Return on Equity (ROE) | 13.6655% | 897 |
| Retained earnings to average equity (ytd only) | 10.5247% | 900 |
| Net charge-offs to loans | 0.7471% | 94 |
| Credit loss provision to net charge-offs | 13.8678% | 1,307 |
| Earnings coverage of net charge-offs (x) | 3.0688% | 1,682 |
| Efficiency ratio | 54.2093% | 4,037 |
| Assets per employee ($millions) | 14.3682% | 233 |
| Cash dividends to net income (ytd only)* | 22.9832% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 2,188 |
| Loan loss allowance to noncurrent loans | 694.8958% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 2,710 |
| Noncurrent loans to loans | 0.1924% | 2,857 |
| Net loans and leases to total assets | 63.4645% | 1,691 |
| Net loans and leases to deposits | 69.2992% | 2,030 |
| Net loans and leases to core deposits | 71.1617% | 2,184 |
| Total domestic deposits to total assets | 91.5804% | 762 |
| Equity capital to assets | 7.8348% | 3,699 |
| Core capital (leverage) ratio | 7.9282% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4808% | 2,983 |
| Memoranda: | ||
| Average total assets | $1,542,356,000 | 685 |
| Average earning assets | $1,479,615,500 | 671 |
| Average equity | $127,357,000 | 806 |
| Average total loans | $988,421,000 | 674 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4281% | 2,855 |
| Cost of funding earning assets | 0.2029% | 3,433 |
| Net interest margin | 3.2253% | 2,539 |
| Noninterest income to average assets | 0.4198% | 2,948 |
| Noninterest expense to average assets | 1.8963% | 3,930 |
| Loan and lease loss provision to assets | 0.2262% | 444 |
| Net operating income to assets | 1.1125% | 2,236 |
| Return on assets (ROA) | 1.1126% | 2,297 |
| Pretax return on assets | 1.3842% | 2,099 |
| Return on Equity (ROE) | 12.8014% | 1,523 |
| Retained earnings to average equity (ytd only) | 8.9257% | 1,224 |
| Net charge-offs to loans | 0.0069% | 2,317 |
| Credit loss provision to net charge-offs | 4,936.7647% | 149 |
| Earnings coverage of net charge-offs (x) | 351.4706% | 360 |
| Efficiency ratio | 53.4891% | 3,985 |
| Assets per employee ($millions) | 14.3266% | 228 |
| Cash dividends to net income (ytd only)* | 30.2755% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 1,466 |
| Loan loss allowance to noncurrent loans | 461.0065% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 2,337 |
| Noncurrent loans to loans | 0.3310% | 2,401 |
| Net loans and leases to total assets | 62.8690% | 1,842 |
| Net loans and leases to deposits | 69.1383% | 2,212 |
| Net loans and leases to core deposits | 71.2497% | 2,326 |
| Total domestic deposits to total assets | 90.9323% | 518 |
| Equity capital to assets | 8.6850% | 3,901 |
| Core capital (leverage) ratio | 7.7400% | 4,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7465% | 2,944 |
| Memoranda: | ||
| Average total assets | $1,484,328,000 | 693 |
| Average earning assets | $1,420,562,400 | 672 |
| Average equity | $129,009,400 | 806 |
| Average total loans | $980,251,000 | 671 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4380% | 2,992 |
| Cost of funding earning assets | 0.2085% | 3,528 |
| Net interest margin | 3.2295% | 2,636 |
| Noninterest income to average assets | 0.4465% | 2,853 |
| Noninterest expense to average assets | 1.9002% | 3,945 |
| Loan and lease loss provision to assets | 0.1954% | 534 |
| Net operating income to assets | 1.1532% | 2,350 |
| Return on assets (ROA) | 1.1535% | 2,409 |
| Pretax return on assets | 1.4383% | 2,186 |
| Return on Equity (ROE) | 13.2687% | 1,627 |
| Retained earnings to average equity (ytd only) | 9.2056% | 1,615 |
| Net charge-offs to loans | 0.0092% | 1,977 |
| Credit loss provision to net charge-offs | 3,172.0588% | 228 |
| Earnings coverage of net charge-offs (x) | 265.2206% | 462 |
| Efficiency ratio | 53.1833% | 3,905 |
| Assets per employee ($millions) | 13.7497% | 262 |
| Cash dividends to net income (ytd only)* | 30.6219% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 1,821 |
| Loan loss allowance to noncurrent loans | 206.4031% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 1,588 |
| Noncurrent loans to loans | 0.7019% | 1,582 |
| Net loans and leases to total assets | 61.7632% | 2,034 |
| Net loans and leases to deposits | 68.0163% | 2,432 |
| Net loans and leases to core deposits | 70.2620% | 2,573 |
| Total domestic deposits to total assets | 90.8064% | 431 |
| Equity capital to assets | 8.7206% | 4,054 |
| Core capital (leverage) ratio | 7.7664% | 4,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1971% | 2,925 |
| Memoranda: | ||
| Average total assets | $1,472,172,750 | 703 |
| Average earning assets | $1,407,250,250 | 682 |
| Average equity | $127,977,500 | 822 |
| Average total loans | $980,643,250 | 683 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4787% | 2,942 |
| Cost of funding earning assets | 0.2165% | 3,583 |
| Net interest margin | 3.2622% | 2,574 |
| Noninterest income to average assets | 0.4645% | 2,783 |
| Noninterest expense to average assets | 1.8733% | 4,026 |
| Loan and lease loss provision to assets | 0.2111% | 514 |
| Net operating income to assets | 1.2019% | 2,186 |
| Return on assets (ROA) | 1.2023% | 2,258 |
| Pretax return on assets | 1.4955% | 2,028 |
| Return on Equity (ROE) | 13.8453% | 1,459 |
| Retained earnings to average equity (ytd only) | 9.4244% | 1,577 |
| Net charge-offs to loans | -0.0067% | 3,520 |
| Credit loss provision to net charge-offs | -4,666.6667% | 3,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7428% | 4,070 |
| Assets per employee ($millions) | 13.6430% | 255 |
| Cash dividends to net income (ytd only)* | 31.9307% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 2,172 |
| Loan loss allowance to noncurrent loans | 285.9987% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 2,217 |
| Noncurrent loans to loans | 0.4735% | 2,252 |
| Net loans and leases to total assets | 63.5717% | 1,996 |
| Net loans and leases to deposits | 69.8843% | 2,420 |
| Net loans and leases to core deposits | 72.2819% | 2,581 |
| Total domestic deposits to total assets | 90.9669% | 387 |
| Equity capital to assets | 8.5694% | 4,150 |
| Core capital (leverage) ratio | 7.5953% | 4,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3661% | 2,889 |
| Memoranda: | ||
| Average total assets | $1,458,740,000 | 706 |
| Average earning assets | $1,392,941,667 | 685 |
| Average equity | $126,671,333 | 824 |
| Average total loans | $991,563,667 | 676 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4248% | 3,127 |
| Cost of funding earning assets | 0.2287% | 3,656 |
| Net interest margin | 3.1961% | 2,711 |
| Noninterest income to average assets | 0.4747% | 2,729 |
| Noninterest expense to average assets | 1.7986% | 4,216 |
| Loan and lease loss provision to assets | 0.2261% | 505 |
| Net operating income to assets | 1.2180% | 2,075 |
| Return on assets (ROA) | 1.2180% | 2,162 |
| Pretax return on assets | 1.5045% | 1,979 |
| Return on Equity (ROE) | 13.9289% | 1,445 |
| Retained earnings to average equity (ytd only) | 7.5351% | 2,402 |
| Net charge-offs to loans | -0.0136% | 3,810 |
| Credit loss provision to net charge-offs | -2,379.4118% | 3,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3525% | 4,159 |
| Assets per employee ($millions) | 13.4928% | 254 |
| Cash dividends to net income (ytd only)* | 45.9031% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 2,834 |
| Loan loss allowance to noncurrent loans | 275.6900% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 2,421 |
| Noncurrent loans to loans | 0.4416% | 2,535 |
| Net loans and leases to total assets | 67.6372% | 1,579 |
| Net loans and leases to deposits | 74.1533% | 2,101 |
| Net loans and leases to core deposits | 76.7479% | 2,287 |
| Total domestic deposits to total assets | 91.2127% | 325 |
| Equity capital to assets | 8.3806% | 4,211 |
| Core capital (leverage) ratio | 7.7237% | 4,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4582% | 2,821 |
| Memoranda: | ||
| Average total assets | $1,430,925,000 | 709 |
| Average earning assets | $1,367,555,000 | 689 |
| Average equity | $125,121,000 | 827 |
| Average total loans | $999,382,500 | 676 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3274% | 1,776 |
| Cost of funding earning assets | 0.4789% | 3,089 |
| Net interest margin | 3.8484% | 1,361 |
| Noninterest income to average assets | 0.5066% | 2,604 |
| Noninterest expense to average assets | 2.3524% | 3,266 |
| Loan and lease loss provision to assets | 0.3720% | 882 |
| Net operating income to assets | 1.1796% | 1,614 |
| Return on assets (ROA) | 1.1796% | 1,727 |
| Pretax return on assets | 1.4553% | 1,486 |
| Return on Equity (ROE) | 12.4700% | 1,184 |
| Retained earnings to average equity (ytd only) | 2.8517% | 3,450 |
| Net charge-offs to loans | 0.0100% | 2,962 |
| Credit loss provision to net charge-offs | 4,701.1111% | 223 |
| Earnings coverage of net charge-offs (x) | 230.9222% | 426 |
| Efficiency ratio | 55.5598% | 4,039 |
| Assets per employee ($millions) | 13.1168% | 257 |
| Cash dividends to net income (ytd only)* | 77.1318% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 2,970 |
| Loan loss allowance to noncurrent loans | 257.0766% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.3782% | 2,470 |
| Noncurrent loans to loans | 0.4653% | 2,572 |
| Net loans and leases to total assets | 70.4932% | 1,492 |
| Net loans and leases to deposits | 77.9081% | 2,078 |
| Net loans and leases to core deposits | 81.1790% | 2,260 |
| Total domestic deposits to total assets | 90.4826% | 383 |
| Equity capital to assets | 9.1431% | 3,940 |
| Core capital (leverage) ratio | 7.8418% | 4,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,137,350,600 | 788 |
| Average earning assets | $1,085,532,400 | 760 |
| Average equity | $107,586,200 | 906 |
| Average total loans | $903,873,000 | 711 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 1,537 |
| Cost of funding earning assets | 0.5502% | 2,923 |
| Net interest margin | 3.9622% | 1,207 |
| Noninterest income to average assets | 0.5177% | 2,534 |
| Noninterest expense to average assets | 2.4776% | 2,913 |
| Loan and lease loss provision to assets | 0.4256% | 786 |
| Net operating income to assets | 1.1356% | 1,863 |
| Return on assets (ROA) | 1.1356% | 1,986 |
| Pretax return on assets | 1.3967% | 1,750 |
| Return on Equity (ROE) | 11.8795% | 1,406 |
| Retained earnings to average equity (ytd only) | -1.4765% | 4,660 |
| Net charge-offs to loans | 0.0173% | 2,520 |
| Credit loss provision to net charge-offs | 2,999.1304% | 352 |
| Earnings coverage of net charge-offs (x) | 128.4261% | 666 |
| Efficiency ratio | 56.8838% | 3,808 |
| Assets per employee ($millions) | 12.2656% | 306 |
| Cash dividends to net income (ytd only)* | 112.4294% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 3,388 |
| Loan loss allowance to noncurrent loans | 349.2104% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 2,947 |
| Noncurrent loans to loans | 0.3050% | 3,191 |
| Net loans and leases to total assets | 78.1650% | 812 |
| Net loans and leases to deposits | 87.2569% | 1,562 |
| Net loans and leases to core deposits | 91.6058% | 1,829 |
| Total domestic deposits to total assets | 89.5803% | 560 |
| Equity capital to assets | 9.3681% | 3,801 |
| Core capital (leverage) ratio | 8.1472% | 4,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,080,651,500 | 805 |
| Average earning assets | $1,031,524,750 | 784 |
| Average equity | $103,301,500 | 932 |
| Average total loans | $886,522,750 | 716 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9560% | 891 |
| Cost of funding earning assets | 0.6566% | 2,650 |
| Net interest margin | 4.2994% | 757 |
| Noninterest income to average assets | 0.5295% | 2,445 |
| Noninterest expense to average assets | 2.5946% | 2,684 |
| Loan and lease loss provision to assets | 0.4150% | 961 |
| Net operating income to assets | 1.3251% | 1,293 |
| Return on assets (ROA) | 1.3251% | 1,392 |
| Pretax return on assets | 1.6357% | 1,139 |
| Return on Equity (ROE) | 13.7451% | 930 |
| Retained earnings to average equity (ytd only) | -5.4267% | 4,788 |
| Net charge-offs to loans | 0.0287% | 2,145 |
| Credit loss provision to net charge-offs | 1,734.7107% | 545 |
| Earnings coverage of net charge-offs (x) | 85.7190% | 774 |
| Efficiency ratio | 55.1266% | 4,050 |
| Assets per employee ($millions) | 12.3520% | 297 |
| Cash dividends to net income (ytd only)* | 139.4808% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9165% | 3,931 |
| Loan loss allowance to noncurrent loans | 300.5707% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 3,062 |
| Noncurrent loans to loans | 0.3049% | 3,295 |
| Net loans and leases to total assets | 81.3477% | 467 |
| Net loans and leases to deposits | 91.0727% | 1,256 |
| Net loans and leases to core deposits | 95.8324% | 1,592 |
| Total domestic deposits to total assets | 89.3217% | 636 |
| Equity capital to assets | 8.2851% | 4,597 |
| Core capital (leverage) ratio | 8.5911% | 4,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,011,573,000 | 838 |
| Average earning assets | $968,368,667 | 812 |
| Average equity | $97,518,667 | 965 |
| Average total loans | $842,859,333 | 743 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2517% | 601 |
| Cost of funding earning assets | 0.8924% | 1,907 |
| Net interest margin | 4.3593% | 682 |
| Noninterest income to average assets | 0.5580% | 2,237 |
| Noninterest expense to average assets | 3.1354% | 1,559 |
| Loan and lease loss provision to assets | 0.1871% | 1,601 |
| Net operating income to assets | 1.1575% | 1,668 |
| Return on assets (ROA) | 1.1575% | 1,774 |
| Pretax return on assets | 1.4014% | 1,561 |
| Return on Equity (ROE) | 10.9177% | 1,439 |
| Retained earnings to average equity (ytd only) | -24.5733% | 5,004 |
| Net charge-offs to loans | 0.0717% | 1,313 |
| Credit loss provision to net charge-offs | 309.7015% | 1,154 |
| Earnings coverage of net charge-offs (x) | 26.2985% | 1,258 |
| Efficiency ratio | 65.5534% | 3,021 |
| Assets per employee ($millions) | 9.8261% | 404 |
| Cash dividends to net income (ytd only)* | 325.0779% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 4,087 |
| Loan loss allowance to noncurrent loans | 217.2202% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 2,721 |
| Noncurrent loans to loans | 0.4166% | 3,003 |
| Net loans and leases to total assets | 85.0279% | 198 |
| Net loans and leases to deposits | 96.2939% | 881 |
| Net loans and leases to core deposits | 101.2579% | 1,381 |
| Total domestic deposits to total assets | 88.3004% | 973 |
| Equity capital to assets | 10.1000% | 3,690 |
| Core capital (leverage) ratio | 9.8061% | 3,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $887,407,000 | 920 |
| Average earning assets | $848,024,000 | 890 |
| Average equity | $94,086,000 | 989 |
| Average total loans | $747,097,000 | 794 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8131% | 2,005 |
| Cost of funding earning assets | 1.0068% | 1,698 |
| Net interest margin | 3.8064% | 2,482 |
| Noninterest income to average assets | 0.5347% | 2,557 |
| Noninterest expense to average assets | 2.5160% | 3,400 |
| Loan and lease loss provision to assets | 0.0697% | 2,608 |
| Net operating income to assets | 1.2862% | 1,745 |
| Return on assets (ROA) | 1.2948% | 1,787 |
| Pretax return on assets | 1.5929% | 1,508 |
| Return on Equity (ROE) | 12.0669% | 1,486 |
| Retained earnings to average equity (ytd only) | 12.0669% | 235 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3637% | 3,637 |
| Assets per employee ($millions) | 10.0331% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 2,526 |
| Loan loss allowance to noncurrent loans | 170.3065% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5702% | 2,178 |
| Noncurrent loans to loans | 0.6946% | 2,144 |
| Net loans and leases to total assets | 81.1215% | 659 |
| Net loans and leases to deposits | 92.1663% | 1,348 |
| Net loans and leases to core deposits | 98.0391% | 1,722 |
| Total domestic deposits to total assets | 88.0165% | 1,120 |
| Equity capital to assets | 11.2541% | 2,755 |
| Core capital (leverage) ratio | 10.9481% | 2,543 |
| Tier 1 risk-based capital ratio | 11.9150% | 4,410 |
| Total risk-based capital ratio | 12.9474% | 4,413 |
| Memoranda: | ||
| Average total assets | $761,292,400 | 1,015 |
| Average earning assets | $726,676,800 | 982 |
| Average equity | $81,686,200 | 1,075 |
| Average total loans | $614,376,200 | 895 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8712% | 1,910 |
| Cost of funding earning assets | 1.0203% | 1,679 |
| Net interest margin | 3.8509% | 2,429 |
| Noninterest income to average assets | 0.5165% | 2,628 |
| Noninterest expense to average assets | 2.5111% | 3,405 |
| Loan and lease loss provision to assets | 0.0548% | 2,816 |
| Net operating income to assets | 1.3223% | 1,763 |
| Return on assets (ROA) | 1.3339% | 1,781 |
| Pretax return on assets | 1.6397% | 1,497 |
| Return on Equity (ROE) | 12.5878% | 1,416 |
| Retained earnings to average equity (ytd only) | 12.5878% | 319 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9102% | 3,665 |
| Assets per employee ($millions) | 10.3315% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 2,676 |
| Loan loss allowance to noncurrent loans | 160.9147% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 2,303 |
| Noncurrent loans to loans | 0.7251% | 2,154 |
| Net loans and leases to total assets | 77.5437% | 1,218 |
| Net loans and leases to deposits | 87.5723% | 1,990 |
| Net loans and leases to core deposits | 91.0819% | 2,455 |
| Total domestic deposits to total assets | 88.5482% | 805 |
| Equity capital to assets | 10.6492% | 3,421 |
| Core capital (leverage) ratio | 10.5532% | 3,053 |
| Tier 1 risk-based capital ratio | 12.0649% | 4,388 |
| Total risk-based capital ratio | 13.1073% | 4,371 |
| Memoranda: | ||
| Average total assets | $758,478,750 | 1,018 |
| Average earning assets | $723,830,750 | 988 |
| Average equity | $80,372,000 | 1,080 |
| Average total loans | $609,419,250 | 904 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9034% | 1,748 |
| Cost of funding earning assets | 1.0090% | 1,654 |
| Net interest margin | 3.8944% | 2,254 |
| Noninterest income to average assets | 0.5007% | 2,674 |
| Noninterest expense to average assets | 2.5132% | 3,432 |
| Loan and lease loss provision to assets | 0.0783% | 2,251 |
| Net operating income to assets | 1.3290% | 1,660 |
| Return on assets (ROA) | 1.3290% | 1,721 |
| Pretax return on assets | 1.6284% | 1,461 |
| Return on Equity (ROE) | 12.5640% | 1,382 |
| Retained earnings to average equity (ytd only) | 12.5640% | 344 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5566% | 3,791 |
| Assets per employee ($millions) | 9.8887% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 2,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 80.5715% | 798 |
| Net loans and leases to deposits | 93.8218% | 1,278 |
| Net loans and leases to core deposits | 96.7957% | 1,998 |
| Total domestic deposits to total assets | 85.8772% | 2,094 |
| Equity capital to assets | 10.7650% | 3,295 |
| Core capital (leverage) ratio | 10.8106% | 2,778 |
| Tier 1 risk-based capital ratio | 11.8844% | 4,483 |
| Total risk-based capital ratio | 12.9417% | 4,484 |
| Memoranda: | ||
| Average total assets | $746,129,000 | 1,030 |
| Average earning assets | $712,568,000 | 1,000 |
| Average equity | $78,923,670 | 1,094 |
| Average total loans | $604,504,000 | 910 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9067% | 1,569 |
| Cost of funding earning assets | 0.9960% | 1,581 |
| Net interest margin | 3.9107% | 2,154 |
| Noninterest income to average assets | 0.4528% | 2,841 |
| Noninterest expense to average assets | 2.4461% | 3,636 |
| Loan and lease loss provision to assets | 0.0103% | 3,298 |
| Net operating income to assets | 1.4202% | 1,321 |
| Return on assets (ROA) | 1.4202% | 1,351 |
| Pretax return on assets | 1.7311% | 1,136 |
| Return on Equity (ROE) | 13.5501% | 1,068 |
| Retained earnings to average equity (ytd only) | 13.5501% | 397 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4142% | 4,021 |
| Assets per employee ($millions) | 9.7117% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 2,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 78.9656% | 993 |
| Net loans and leases to deposits | 88.8563% | 1,761 |
| Net loans and leases to core deposits | 92.7837% | 2,232 |
| Total domestic deposits to total assets | 88.8689% | 925 |
| Equity capital to assets | 10.5590% | 3,296 |
| Core capital (leverage) ratio | 10.8142% | 2,752 |
| Tier 1 risk-based capital ratio | 12.0235% | 4,444 |
| Total risk-based capital ratio | 13.0836% | 4,450 |
| Memoranda: | ||
| Average total assets | $738,477,000 | 1,038 |
| Average earning assets | $705,238,000 | 1,009 |
| Average equity | $77,401,500 | 1,104 |
| Average total loans | $596,375,500 | 923 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 1,817 |
| Cost of funding earning assets | 0.6944% | 2,120 |
| Net interest margin | 4.0077% | 1,961 |
| Noninterest income to average assets | 0.5527% | 2,535 |
| Noninterest expense to average assets | 2.4668% | 3,709 |
| Loan and lease loss provision to assets | 0.1225% | 1,803 |
| Net operating income to assets | 1.4385% | 1,310 |
| Return on assets (ROA) | 1.4385% | 1,300 |
| Pretax return on assets | 1.7877% | 955 |
| Return on Equity (ROE) | 14.1676% | 1,005 |
| Retained earnings to average equity (ytd only) | 14.1676% | 157 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3576% | 4,362 |
| Assets per employee ($millions) | 9.3481% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 2,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 80.6805% | 838 |
| Net loans and leases to deposits | 90.7115% | 1,711 |
| Net loans and leases to core deposits | 94.1805% | 2,209 |
| Total domestic deposits to total assets | 88.9418% | 885 |
| Equity capital to assets | 10.4015% | 3,285 |
| Core capital (leverage) ratio | 10.4654% | 3,069 |
| Tier 1 risk-based capital ratio | 11.5086% | 4,727 |
| Total risk-based capital ratio | 12.5556% | 4,717 |
| Memoranda: | ||
| Average total assets | $695,360,400 | 1,068 |
| Average earning assets | $663,548,800 | 1,036 |
| Average equity | $70,604,800 | 1,150 |
| Average total loans | $555,667,800 | 950 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6343% | 1,887 |
| Cost of funding earning assets | 0.6243% | 2,305 |
| Net interest margin | 4.0100% | 1,927 |
| Noninterest income to average assets | 0.5720% | 2,464 |
| Noninterest expense to average assets | 2.4765% | 3,663 |
| Loan and lease loss provision to assets | 0.1188% | 1,707 |
| Net operating income to assets | 1.4505% | 1,323 |
| Return on assets (ROA) | 1.4505% | 1,326 |
| Pretax return on assets | 1.8030% | 1,008 |
| Return on Equity (ROE) | 14.3787% | 1,017 |
| Retained earnings to average equity (ytd only) | 14.3787% | 211 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3063% | 4,346 |
| Assets per employee ($millions) | 9.5813% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 2,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 79.1191% | 1,143 |
| Net loans and leases to deposits | 88.6698% | 2,069 |
| Net loans and leases to core deposits | 118.4339% | 630 |
| Total domestic deposits to total assets | 89.2289% | 762 |
| Equity capital to assets | 10.1123% | 3,528 |
| Core capital (leverage) ratio | 10.5999% | 2,981 |
| Tier 1 risk-based capital ratio | 11.5373% | 4,772 |
| Total risk-based capital ratio | 12.5857% | 4,772 |
| Memoranda: | ||
| Average total assets | $686,912,000 | 1,076 |
| Average earning assets | $655,439,250 | 1,046 |
| Average equity | $69,295,250 | 1,167 |
| Average total loans | $545,770,750 | 963 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5655% | 1,886 |
| Cost of funding earning assets | 0.5561% | 2,558 |
| Net interest margin | 4.0094% | 1,829 |
| Noninterest income to average assets | 0.5926% | 2,362 |
| Noninterest expense to average assets | 2.4863% | 3,664 |
| Loan and lease loss provision to assets | 0.0917% | 2,092 |
| Net operating income to assets | 1.4833% | 1,194 |
| Return on assets (ROA) | 1.4833% | 1,193 |
| Pretax return on assets | 1.8393% | 891 |
| Return on Equity (ROE) | 14.7159% | 912 |
| Retained earnings to average equity (ytd only) | 14.7159% | 221 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2860% | 4,445 |
| Assets per employee ($millions) | 9.3374% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 2,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 80.9867% | 859 |
| Net loans and leases to deposits | 91.0902% | 1,694 |
| Net loans and leases to core deposits | 123.7053% | 470 |
| Total domestic deposits to total assets | 88.9083% | 970 |
| Equity capital to assets | 10.4743% | 3,147 |
| Core capital (leverage) ratio | 10.4768% | 3,056 |
| Tier 1 risk-based capital ratio | 11.5640% | 4,759 |
| Total risk-based capital ratio | 12.6024% | 4,771 |
| Memoranda: | ||
| Average total assets | $676,350,000 | 1,084 |
| Average earning assets | $645,184,000 | 1,060 |
| Average equity | $68,171,330 | 1,181 |
| Average total loans | $535,934,670 | 977 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4100% | 2,166 |
| Cost of funding earning assets | 0.4860% | 2,899 |
| Net interest margin | 3.9241% | 1,950 |
| Noninterest income to average assets | 0.5666% | 2,436 |
| Noninterest expense to average assets | 2.4777% | 3,721 |
| Loan and lease loss provision to assets | 0.0767% | 2,234 |
| Net operating income to assets | 1.4275% | 1,256 |
| Return on assets (ROA) | 1.4275% | 1,267 |
| Pretax return on assets | 1.7595% | 986 |
| Return on Equity (ROE) | 14.4434% | 917 |
| Retained earnings to average equity (ytd only) | 14.4434% | 369 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4358% | 4,415 |
| Assets per employee ($millions) | 9.3376% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 2,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 77.3690% | 1,329 |
| Net loans and leases to deposits | 86.4325% | 2,106 |
| Net loans and leases to core deposits | 112.5913% | 859 |
| Total domestic deposits to total assets | 89.5137% | 881 |
| Equity capital to assets | 9.9732% | 3,624 |
| Core capital (leverage) ratio | 10.1618% | 3,347 |
| Tier 1 risk-based capital ratio | 11.4161% | 4,905 |
| Total risk-based capital ratio | 12.4503% | 4,929 |
| Memoranda: | ||
| Average total assets | $678,378,000 | 1,094 |
| Average earning assets | $647,795,000 | 1,066 |
| Average equity | $67,048,000 | 1,209 |
| Average total loans | $528,453,000 | 994 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 3,204 |
| Cost of funding earning assets | 0.4400% | 2,873 |
| Net interest margin | 3.6192% | 3,105 |
| Noninterest income to average assets | 0.6997% | 1,965 |
| Noninterest expense to average assets | 2.4849% | 3,835 |
| Loan and lease loss provision to assets | 0.0858% | 2,481 |
| Net operating income to assets | 0.9813% | 2,321 |
| Return on assets (ROA) | 0.9813% | 2,359 |
| Pretax return on assets | 1.5864% | 1,328 |
| Return on Equity (ROE) | 10.4065% | 1,720 |
| Retained earnings to average equity (ytd only) | 10.4065% | 299 |
| Net charge-offs to loans | -0.0012% | 4,503 |
| Credit loss provision to net charge-offs | -9,583.3333% | 5,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7746% | 4,297 |
| Assets per employee ($millions) | 9.2481% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 2,954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 76.6031% | 1,493 |
| Net loans and leases to deposits | 85.5431% | 2,318 |
| Net loans and leases to core deposits | 112.8242% | 850 |
| Total domestic deposits to total assets | 89.5491% | 751 |
| Equity capital to assets | 9.7930% | 3,924 |
| Core capital (leverage) ratio | 9.4930% | 4,060 |
| Tier 1 risk-based capital ratio | 11.0462% | 5,115 |
| Total risk-based capital ratio | 12.0621% | 5,137 |
| Memoranda: | ||
| Average total assets | $670,121,200 | 1,092 |
| Average earning assets | $640,170,800 | 1,052 |
| Average equity | $63,191,000 | 1,254 |
| Average total loans | $497,251,600 | 1,035 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0033% | 3,345 |
| Cost of funding earning assets | 0.4251% | 2,925 |
| Net interest margin | 3.5782% | 3,231 |
| Noninterest income to average assets | 0.6744% | 2,109 |
| Noninterest expense to average assets | 2.4120% | 3,990 |
| Loan and lease loss provision to assets | 0.0807% | 2,477 |
| Net operating income to assets | 1.1440% | 1,898 |
| Return on assets (ROA) | 1.1440% | 1,949 |
| Pretax return on assets | 1.5981% | 1,433 |
| Return on Equity (ROE) | 12.2507% | 1,257 |
| Retained earnings to average equity (ytd only) | 12.2507% | 274 |
| Net charge-offs to loans | -0.0016% | 4,301 |
| Credit loss provision to net charge-offs | -6,750.0000% | 5,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9611% | 4,364 |
| Assets per employee ($millions) | 9.7129% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 3,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 70.8380% | 2,435 |
| Net loans and leases to deposits | 78.6413% | 3,106 |
| Net loans and leases to core deposits | 103.1245% | 1,456 |
| Total domestic deposits to total assets | 90.0774% | 449 |
| Equity capital to assets | 9.2419% | 4,695 |
| Core capital (leverage) ratio | 9.3442% | 4,358 |
| Tier 1 risk-based capital ratio | 11.1527% | 5,158 |
| Total risk-based capital ratio | 12.1642% | 5,181 |
| Memoranda: | ||
| Average total assets | $668,873,500 | 1,098 |
| Average earning assets | $638,626,750 | 1,056 |
| Average equity | $62,460,250 | 1,271 |
| Average total loans | $490,745,500 | 1,050 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 3,497 |
| Cost of funding earning assets | 0.4073% | 3,002 |
| Net interest margin | 3.5096% | 3,363 |
| Noninterest income to average assets | 0.5925% | 2,496 |
| Noninterest expense to average assets | 2.4330% | 3,963 |
| Loan and lease loss provision to assets | 0.0876% | 2,228 |
| Net operating income to assets | 1.0551% | 2,183 |
| Return on assets (ROA) | 1.0551% | 2,226 |
| Pretax return on assets | 1.4215% | 1,931 |
| Return on Equity (ROE) | 11.2570% | 1,549 |
| Retained earnings to average equity (ytd only) | 11.2570% | 406 |
| Net charge-offs to loans | -0.0025% | 4,200 |
| Credit loss provision to net charge-offs | -4,783.3333% | 5,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7183% | 4,045 |
| Assets per employee ($millions) | 9.5441% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 3,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 71.9291% | 2,213 |
| Net loans and leases to deposits | 79.7507% | 2,940 |
| Net loans and leases to core deposits | 106.2920% | 1,211 |
| Total domestic deposits to total assets | 90.1925% | 472 |
| Equity capital to assets | 9.1999% | 4,718 |
| Core capital (leverage) ratio | 9.5443% | 4,074 |
| Tier 1 risk-based capital ratio | 10.9351% | 5,284 |
| Total risk-based capital ratio | 11.9423% | 5,318 |
| Memoranda: | ||
| Average total assets | $655,484,670 | 1,115 |
| Average earning assets | $625,590,330 | 1,080 |
| Average equity | $61,437,330 | 1,295 |
| Average total loans | $484,921,000 | 1,063 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8750% | 3,487 |
| Cost of funding earning assets | 0.3953% | 3,038 |
| Net interest margin | 3.4797% | 3,356 |
| Noninterest income to average assets | 0.5760% | 2,535 |
| Noninterest expense to average assets | 2.4614% | 3,932 |
| Loan and lease loss provision to assets | 0.0813% | 2,188 |
| Net operating income to assets | 0.9355% | 2,582 |
| Return on assets (ROA) | 0.9355% | 2,639 |
| Pretax return on assets | 1.3526% | 2,051 |
| Return on Equity (ROE) | 9.8834% | 2,013 |
| Retained earnings to average equity (ytd only) | 9.8834% | 833 |
| Net charge-offs to loans | -0.0034% | 4,083 |
| Credit loss provision to net charge-offs | -3,250.0000% | 4,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1883% | 3,959 |
| Assets per employee ($millions) | 9.0844% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 3,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 73.1321% | 1,887 |
| Net loans and leases to deposits | 80.9989% | 2,623 |
| Net loans and leases to core deposits | 111.3128% | 809 |
| Total domestic deposits to total assets | 90.2877% | 546 |
| Equity capital to assets | 9.3720% | 4,422 |
| Core capital (leverage) ratio | 9.7469% | 3,820 |
| Tier 1 risk-based capital ratio | 10.8892% | 5,369 |
| Total risk-based capital ratio | 11.8963% | 5,401 |
| Memoranda: | ||
| Average total assets | $639,638,000 | 1,146 |
| Average earning assets | $610,161,000 | 1,110 |
| Average equity | $60,546,000 | 1,310 |
| Average total loans | $477,325,500 | 1,073 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0198% | 3,125 |
| Cost of funding earning assets | 0.3691% | 3,323 |
| Net interest margin | 3.6506% | 2,886 |
| Noninterest income to average assets | 0.6650% | 2,344 |
| Noninterest expense to average assets | 2.6224% | 3,611 |
| Loan and lease loss provision to assets | 0.0861% | 2,643 |
| Net operating income to assets | 0.9783% | 2,448 |
| Return on assets (ROA) | 0.9783% | 2,556 |
| Pretax return on assets | 1.4148% | 1,880 |
| Return on Equity (ROE) | 9.8770% | 2,012 |
| Retained earnings to average equity (ytd only) | 9.8770% | 425 |
| Net charge-offs to loans | -0.0060% | 4,838 |
| Credit loss provision to net charge-offs | -1,840.7407% | 5,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6005% | 4,011 |
| Assets per employee ($millions) | 8.8056% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 3,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 74.3925% | 1,781 |
| Net loans and leases to deposits | 82.7133% | 2,587 |
| Net loans and leases to core deposits | 113.0964% | 733 |
| Total domestic deposits to total assets | 89.9402% | 659 |
| Equity capital to assets | 9.5637% | 4,204 |
| Core capital (leverage) ratio | 9.5078% | 4,073 |
| Tier 1 risk-based capital ratio | 11.1901% | 5,227 |
| Total risk-based capital ratio | 12.2262% | 5,250 |
| Memoranda: | ||
| Average total assets | $577,404,800 | 1,209 |
| Average earning assets | $546,972,600 | 1,174 |
| Average equity | $57,193,400 | 1,339 |
| Average total loans | $450,661,000 | 1,090 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 2,946 |
| Cost of funding earning assets | 0.3550% | 3,489 |
| Net interest margin | 3.7259% | 2,614 |
| Noninterest income to average assets | 0.6744% | 2,293 |
| Noninterest expense to average assets | 2.5513% | 3,822 |
| Loan and lease loss provision to assets | 0.0637% | 2,967 |
| Net operating income to assets | 1.0660% | 2,140 |
| Return on assets (ROA) | 1.0660% | 2,246 |
| Pretax return on assets | 1.5831% | 1,428 |
| Return on Equity (ROE) | 10.6605% | 1,801 |
| Retained earnings to average equity (ytd only) | 10.6605% | 464 |
| Net charge-offs to loans | -0.0188% | 4,984 |
| Credit loss provision to net charge-offs | -428.5714% | 5,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7729% | 4,430 |
| Assets per employee ($millions) | 9.2581% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 3,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 71.9088% | 2,211 |
| Net loans and leases to deposits | 79.7000% | 3,004 |
| Net loans and leases to core deposits | 106.2259% | 1,168 |
| Total domestic deposits to total assets | 90.2243% | 397 |
| Equity capital to assets | 9.3621% | 4,802 |
| Core capital (leverage) ratio | 10.0514% | 3,501 |
| Tier 1 risk-based capital ratio | 11.0854% | 5,325 |
| Total risk-based capital ratio | 12.0956% | 5,364 |
| Memoranda: | ||
| Average total assets | $565,456,250 | 1,232 |
| Average earning assets | $534,766,000 | 1,201 |
| Average equity | $56,543,750 | 1,369 |
| Average total loans | $445,666,500 | 1,098 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1403% | 2,718 |
| Cost of funding earning assets | 0.3483% | 3,591 |
| Net interest margin | 3.7920% | 2,355 |
| Noninterest income to average assets | 0.6650% | 2,306 |
| Noninterest expense to average assets | 2.6032% | 3,714 |
| Loan and lease loss provision to assets | 0.0845% | 2,454 |
| Net operating income to assets | 1.0506% | 2,170 |
| Return on assets (ROA) | 1.0506% | 2,296 |
| Pretax return on assets | 1.5586% | 1,496 |
| Return on Equity (ROE) | 10.2538% | 1,944 |
| Retained earnings to average equity (ytd only) | 10.2538% | 550 |
| Net charge-offs to loans | -0.0285% | 5,095 |
| Credit loss provision to net charge-offs | -365.0794% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3054% | 4,460 |
| Assets per employee ($millions) | 8.6966% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 3,544 |
| Loan loss allowance to noncurrent loans | 6,393.9759% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 5,555 |
| Noncurrent loans to loans | 0.0182% | 5,403 |
| Net loans and leases to total assets | 78.3319% | 1,157 |
| Net loans and leases to deposits | 90.0316% | 1,749 |
| Net loans and leases to core deposits | 116.3332% | 629 |
| Total domestic deposits to total assets | 87.0049% | 1,915 |
| Equity capital to assets | 9.9955% | 4,233 |
| Core capital (leverage) ratio | 10.4059% | 3,074 |
| Tier 1 risk-based capital ratio | 10.6943% | 5,580 |
| Total risk-based capital ratio | 11.6898% | 5,616 |
| Memoranda: | ||
| Average total assets | $544,092,000 | 1,277 |
| Average earning assets | $513,871,330 | 1,253 |
| Average equity | $55,745,330 | 1,385 |
| Average total loans | $441,539,000 | 1,108 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1644% | 2,607 |
| Cost of funding earning assets | 0.3417% | 3,695 |
| Net interest margin | 3.8228% | 2,213 |
| Noninterest income to average assets | 0.6138% | 2,449 |
| Noninterest expense to average assets | 2.6170% | 3,699 |
| Loan and lease loss provision to assets | 0.0998% | 2,027 |
| Net operating income to assets | 1.0129% | 2,221 |
| Return on assets (ROA) | 1.0129% | 2,338 |
| Pretax return on assets | 1.4998% | 1,584 |
| Return on Equity (ROE) | 9.7575% | 2,090 |
| Retained earnings to average equity (ytd only) | 9.7575% | 906 |
| Net charge-offs to loans | -0.0009% | 4,078 |
| Credit loss provision to net charge-offs | -13,200.0000% | 5,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0653% | 4,433 |
| Assets per employee ($millions) | 8.0178% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 3,671 |
| Loan loss allowance to noncurrent loans | 7,148.6111% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 5,607 |
| Noncurrent loans to loans | 0.0164% | 5,449 |
| Net loans and leases to total assets | 81.0103% | 683 |
| Net loans and leases to deposits | 95.7159% | 967 |
| Net loans and leases to core deposits | 122.2303% | 408 |
| Total domestic deposits to total assets | 84.6362% | 3,261 |
| Equity capital to assets | 10.3786% | 3,641 |
| Core capital (leverage) ratio | 10.5141% | 2,946 |
| Tier 1 risk-based capital ratio | 10.8698% | 5,570 |
| Total risk-based capital ratio | 11.8782% | 5,606 |
| Memoranda: | ||
| Average total assets | $529,149,000 | 1,317 |
| Average earning assets | $498,698,000 | 1,291 |
| Average equity | $54,932,000 | 1,407 |
| Average total loans | $434,851,000 | 1,119 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 3,299 |
| Cost of funding earning assets | 0.3207% | 4,019 |
| Net interest margin | 3.6811% | 2,824 |
| Noninterest income to average assets | 0.7087% | 2,162 |
| Noninterest expense to average assets | 2.7090% | 3,552 |
| Loan and lease loss provision to assets | 0.1003% | 2,307 |
| Net operating income to assets | 0.9225% | 2,744 |
| Return on assets (ROA) | 0.9227% | 2,833 |
| Pretax return on assets | 1.3574% | 2,080 |
| Return on Equity (ROE) | 8.9780% | 2,468 |
| Retained earnings to average equity (ytd only) | 8.9780% | 656 |
| Net charge-offs to loans | -0.0342% | 5,440 |
| Credit loss provision to net charge-offs | -374.8148% | 5,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0183% | 4,081 |
| Assets per employee ($millions) | 7.8956% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 3,663 |
| Loan loss allowance to noncurrent loans | 5,064.6465% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 5,620 |
| Noncurrent loans to loans | 0.0231% | 5,423 |
| Net loans and leases to total assets | 81.4346% | 650 |
| Net loans and leases to deposits | 94.3329% | 1,173 |
| Net loans and leases to core deposits | 118.4062% | 525 |
| Total domestic deposits to total assets | 86.3268% | 2,479 |
| Equity capital to assets | 10.3838% | 3,511 |
| Core capital (leverage) ratio | 10.2337% | 3,216 |
| Tier 1 risk-based capital ratio | 10.9449% | 5,552 |
| Total risk-based capital ratio | 11.9585% | 5,591 |
| Memoranda: | ||
| Average total assets | $504,290,800 | 1,334 |
| Average earning assets | $473,685,000 | 1,307 |
| Average equity | $51,826,600 | 1,432 |
| Average total loans | $394,191,800 | 1,171 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 3,374 |
| Cost of funding earning assets | 0.3193% | 4,114 |
| Net interest margin | 3.6726% | 2,878 |
| Noninterest income to average assets | 0.7127% | 2,174 |
| Noninterest expense to average assets | 2.6784% | 3,641 |
| Loan and lease loss provision to assets | 0.0667% | 2,851 |
| Net operating income to assets | 0.9618% | 2,661 |
| Return on assets (ROA) | 0.9619% | 2,745 |
| Pretax return on assets | 1.4144% | 1,955 |
| Return on Equity (ROE) | 9.3854% | 2,362 |
| Retained earnings to average equity (ytd only) | 9.3854% | 767 |
| Net charge-offs to loans | -0.0125% | 5,062 |
| Credit loss provision to net charge-offs | -694.4444% | 5,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3974% | 4,175 |
| Assets per employee ($millions) | 8.2264% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 3,862 |
| Loan loss allowance to noncurrent loans | 149.8071% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 3,214 |
| Noncurrent loans to loans | 0.7755% | 3,028 |
| Net loans and leases to total assets | 71.9124% | 2,074 |
| Net loans and leases to deposits | 79.9946% | 2,885 |
| Net loans and leases to core deposits | 100.3433% | 1,482 |
| Total domestic deposits to total assets | 89.8965% | 618 |
| Equity capital to assets | 9.6550% | 4,570 |
| Core capital (leverage) ratio | 9.8738% | 3,806 |
| Tier 1 risk-based capital ratio | 11.1417% | 5,583 |
| Total risk-based capital ratio | 12.1196% | 5,647 |
| Memoranda: | ||
| Average total assets | $500,086,500 | 1,349 |
| Average earning assets | $469,295,750 | 1,322 |
| Average equity | $51,255,500 | 1,453 |
| Average total loans | $385,395,750 | 1,199 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0840% | 2,955 |
| Cost of funding earning assets | 0.3206% | 4,150 |
| Net interest margin | 3.7634% | 2,464 |
| Noninterest income to average assets | 0.6927% | 2,246 |
| Noninterest expense to average assets | 2.7450% | 3,429 |
| Loan and lease loss provision to assets | 0.0368% | 3,383 |
| Net operating income to assets | 0.9694% | 2,540 |
| Return on assets (ROA) | 0.9697% | 2,649 |
| Pretax return on assets | 1.4301% | 1,864 |
| Return on Equity (ROE) | 9.2565% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.2565% | 842 |
| Net charge-offs to loans | -0.0168% | 5,110 |
| Credit loss provision to net charge-offs | -278.1250% | 5,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1789% | 4,157 |
| Assets per employee ($millions) | 7.7430% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 3,997 |
| Loan loss allowance to noncurrent loans | 146.5753% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.7240% | 3,214 |
| Noncurrent loans to loans | 0.7955% | 3,123 |
| Net loans and leases to total assets | 74.5400% | 1,576 |
| Net loans and leases to deposits | 83.2723% | 2,403 |
| Net loans and leases to core deposits | 107.1223% | 1,019 |
| Total domestic deposits to total assets | 89.5135% | 896 |
| Equity capital to assets | 10.1383% | 3,886 |
| Core capital (leverage) ratio | 10.5244% | 2,923 |
| Tier 1 risk-based capital ratio | 11.0826% | 5,670 |
| Total risk-based capital ratio | 12.0440% | 5,744 |
| Memoranda: | ||
| Average total assets | $483,059,330 | 1,414 |
| Average earning assets | $451,660,330 | 1,386 |
| Average equity | $50,602,330 | 1,475 |
| Average total loans | $380,188,670 | 1,213 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0776% | 2,925 |
| Cost of funding earning assets | 0.3256% | 4,158 |
| Net interest margin | 3.7520% | 2,426 |
| Noninterest income to average assets | 0.5961% | 2,668 |
| Noninterest expense to average assets | 2.7663% | 3,359 |
| Loan and lease loss provision to assets | 0.0878% | 2,226 |
| Net operating income to assets | 0.8471% | 3,020 |
| Return on assets (ROA) | 0.8476% | 3,140 |
| Pretax return on assets | 1.2604% | 2,421 |
| Return on Equity (ROE) | 7.9523% | 2,980 |
| Retained earnings to average equity (ytd only) | 7.9523% | 1,586 |
| Net charge-offs to loans | -0.0297% | 5,243 |
| Credit loss provision to net charge-offs | -367.8571% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2471% | 3,944 |
| Assets per employee ($millions) | 7.6616% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 4,165 |
| Loan loss allowance to noncurrent loans | 848.2109% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 5,509 |
| Noncurrent loans to loans | 0.1375% | 5,284 |
| Net loans and leases to total assets | 80.3362% | 650 |
| Net loans and leases to deposits | 92.5118% | 1,132 |
| Net loans and leases to core deposits | 120.2169% | 409 |
| Total domestic deposits to total assets | 86.8389% | 2,462 |
| Equity capital to assets | 10.6551% | 3,364 |
| Core capital (leverage) ratio | 10.3245% | 3,191 |
| Tier 1 risk-based capital ratio | 11.0193% | 5,800 |
| Total risk-based capital ratio | 12.0032% | 5,843 |
| Memoranda: | ||
| Average total assets | $469,069,000 | 1,451 |
| Average earning assets | $439,770,500 | 1,432 |
| Average equity | $49,998,000 | 1,502 |
| Average total loans | $377,571,500 | 1,220 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1037% | 3,313 |
| Cost of funding earning assets | 0.3287% | 4,508 |
| Net interest margin | 3.7750% | 2,713 |
| Noninterest income to average assets | 0.6397% | 2,621 |
| Noninterest expense to average assets | 2.6870% | 3,913 |
| Loan and lease loss provision to assets | 0.0357% | 3,875 |
| Net operating income to assets | 0.9667% | 2,547 |
| Return on assets (ROA) | 0.9712% | 2,606 |
| Pretax return on assets | 1.4569% | 1,701 |
| Return on Equity (ROE) | 9.6469% | 2,275 |
| Retained earnings to average equity (ytd only) | 9.6469% | 575 |
| Net charge-offs to loans | 0.0268% | 4,290 |
| Credit loss provision to net charge-offs | 174.7368% | 1,390 |
| Earnings coverage of net charge-offs (x) | 72.7474% | 689 |
| Efficiency ratio | 64.3910% | 4,536 |
| Assets per employee ($millions) | 7.3511% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 4,100 |
| Loan loss allowance to noncurrent loans | 797.9927% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 5,559 |
| Noncurrent loans to loans | 0.1485% | 5,298 |
| Net loans and leases to total assets | 78.7387% | 911 |
| Net loans and leases to deposits | 90.7539% | 1,438 |
| Net loans and leases to core deposits | 118.6126% | 444 |
| Total domestic deposits to total assets | 86.7606% | 2,413 |
| Equity capital to assets | 10.6629% | 3,286 |
| Core capital (leverage) ratio | 10.2583% | 3,235 |
| Tier 1 risk-based capital ratio | 12.0482% | 5,326 |
| Total risk-based capital ratio | 13.1139% | 5,361 |
| Memoranda: | ||
| Average total assets | $465,097,000 | 1,435 |
| Average earning assets | $435,312,000 | 1,408 |
| Average equity | $46,823,200 | 1,543 |
| Average total loans | $354,224,400 | 1,247 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0717% | 3,479 |
| Cost of funding earning assets | 0.3276% | 4,586 |
| Net interest margin | 3.7441% | 2,841 |
| Noninterest income to average assets | 0.6125% | 2,789 |
| Noninterest expense to average assets | 2.6105% | 4,164 |
| Loan and lease loss provision to assets | 0.0997% | 2,379 |
| Net operating income to assets | 0.9264% | 2,790 |
| Return on assets (ROA) | 0.9304% | 2,864 |
| Pretax return on assets | 1.4101% | 1,970 |
| Return on Equity (ROE) | 9.3797% | 2,507 |
| Retained earnings to average equity (ytd only) | 9.3797% | 877 |
| Net charge-offs to loans | 0.0194% | 4,144 |
| Credit loss provision to net charge-offs | 682.3529% | 441 |
| Earnings coverage of net charge-offs (x) | 102.9582% | 577 |
| Efficiency ratio | 63.4510% | 4,638 |
| Assets per employee ($millions) | 7.5253% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 3,868 |
| Loan loss allowance to noncurrent loans | 839.2336% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 5,709 |
| Noncurrent loans to loans | 0.1504% | 5,464 |
| Net loans and leases to total assets | 74.7226% | 1,407 |
| Net loans and leases to deposits | 83.4490% | 2,232 |
| Net loans and leases to core deposits | 111.2417% | 698 |
| Total domestic deposits to total assets | 89.5428% | 965 |
| Equity capital to assets | 9.9659% | 4,205 |
| Core capital (leverage) ratio | 10.0954% | 3,536 |
| Tier 1 risk-based capital ratio | 12.0669% | 5,443 |
| Total risk-based capital ratio | 13.2192% | 5,421 |
| Memoranda: | ||
| Average total assets | $465,591,750 | 1,449 |
| Average earning assets | $435,445,000 | 1,421 |
| Average equity | $46,183,500 | 1,563 |
| Average total loans | $350,524,000 | 1,266 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0972% | 3,352 |
| Cost of funding earning assets | 0.3277% | 4,670 |
| Net interest margin | 3.7695% | 2,670 |
| Noninterest income to average assets | 0.5814% | 2,920 |
| Noninterest expense to average assets | 2.6042% | 4,228 |
| Loan and lease loss provision to assets | 0.1343% | 1,841 |
| Net operating income to assets | 0.8991% | 2,814 |
| Return on assets (ROA) | 0.9052% | 2,877 |
| Pretax return on assets | 1.3710% | 2,001 |
| Return on Equity (ROE) | 9.1402% | 2,530 |
| Retained earnings to average equity (ytd only) | 9.1402% | 944 |
| Net charge-offs to loans | 0.0758% | 2,940 |
| Credit loss provision to net charge-offs | 235.8779% | 1,029 |
| Earnings coverage of net charge-offs (x) | 26.2824% | 1,380 |
| Efficiency ratio | 63.5121% | 4,767 |
| Assets per employee ($millions) | 7.3920% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 4,059 |
| Loan loss allowance to noncurrent loans | 408.7591% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 5,383 |
| Noncurrent loans to loans | 0.3092% | 5,090 |
| Net loans and leases to total assets | 76.3571% | 1,122 |
| Net loans and leases to deposits | 85.4354% | 1,875 |
| Net loans and leases to core deposits | 111.0456% | 646 |
| Total domestic deposits to total assets | 89.3741% | 1,172 |
| Equity capital to assets | 10.2183% | 3,803 |
| Core capital (leverage) ratio | 10.2028% | 3,335 |
| Tier 1 risk-based capital ratio | 12.1675% | 5,440 |
| Total risk-based capital ratio | 13.3278% | 5,426 |
| Memoranda: | ||
| Average total assets | $460,249,000 | 1,456 |
| Average earning assets | $429,664,000 | 1,438 |
| Average equity | $45,578,670 | 1,571 |
| Average total loans | $345,872,670 | 1,271 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 3,362 |
| Cost of funding earning assets | 0.3291% | 4,746 |
| Net interest margin | 3.7512% | 2,670 |
| Noninterest income to average assets | 0.5186% | 3,274 |
| Noninterest expense to average assets | 2.6330% | 4,171 |
| Loan and lease loss provision to assets | 0.1509% | 1,606 |
| Net operating income to assets | 0.8256% | 3,026 |
| Return on assets (ROA) | 0.8256% | 3,097 |
| Pretax return on assets | 1.2445% | 2,300 |
| Return on Equity (ROE) | 8.4712% | 2,699 |
| Retained earnings to average equity (ytd only) | 8.4712% | 1,428 |
| Net charge-offs to loans | 0.0597% | 2,558 |
| Credit loss provision to net charge-offs | 341.1765% | 725 |
| Earnings coverage of net charge-offs (x) | 31.5490% | 1,015 |
| Efficiency ratio | 65.3606% | 4,632 |
| Assets per employee ($millions) | 7.6240% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 4,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 72.9005% | 1,436 |
| Net loans and leases to deposits | 81.0505% | 2,155 |
| Net loans and leases to core deposits | 106.0831% | 754 |
| Total domestic deposits to total assets | 89.9445% | 1,098 |
| Equity capital to assets | 9.6425% | 4,305 |
| Core capital (leverage) ratio | 9.7240% | 3,964 |
| Tier 1 risk-based capital ratio | 12.0990% | 5,567 |
| Total risk-based capital ratio | 13.2670% | 5,567 |
| Memoranda: | ||
| Average total assets | $461,222,000 | 1,462 |
| Average earning assets | $431,541,500 | 1,440 |
| Average equity | $44,952,500 | 1,582 |
| Average total loans | $341,595,500 | 1,283 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0805% | 3,816 |
| Cost of funding earning assets | 0.3648% | 5,004 |
| Net interest margin | 3.7157% | 2,992 |
| Noninterest income to average assets | 0.7705% | 2,208 |
| Noninterest expense to average assets | 2.7542% | 3,893 |
| Loan and lease loss provision to assets | 0.0844% | 3,427 |
| Net operating income to assets | 0.9320% | 2,635 |
| Return on assets (ROA) | 0.9416% | 2,676 |
| Pretax return on assets | 1.4238% | 1,706 |
| Return on Equity (ROE) | 9.6994% | 2,236 |
| Retained earnings to average equity (ytd only) | 9.6994% | 621 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8369% | 4,759 |
| Assets per employee ($millions) | 7.1390% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 4,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 73.3447% | 1,464 |
| Net loans and leases to deposits | 81.8421% | 2,198 |
| Net loans and leases to core deposits | 108.4103% | 677 |
| Total domestic deposits to total assets | 89.6173% | 1,262 |
| Equity capital to assets | 9.8556% | 3,957 |
| Core capital (leverage) ratio | 9.7475% | 3,914 |
| Tier 1 risk-based capital ratio | 12.1868% | 5,505 |
| Total risk-based capital ratio | 13.3555% | 5,492 |
| Memoranda: | ||
| Average total assets | $440,855,000 | 1,504 |
| Average earning assets | $412,576,200 | 1,473 |
| Average equity | $42,796,400 | 1,643 |
| Average total loans | $312,784,000 | 1,354 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 3,860 |
| Cost of funding earning assets | 0.3720% | 5,079 |
| Net interest margin | 3.7005% | 3,030 |
| Noninterest income to average assets | 0.8271% | 2,021 |
| Noninterest expense to average assets | 2.7455% | 3,849 |
| Loan and lease loss provision to assets | 0.0350% | 4,318 |
| Net operating income to assets | 1.0165% | 2,309 |
| Return on assets (ROA) | 1.0295% | 2,342 |
| Pretax return on assets | 1.5344% | 1,510 |
| Return on Equity (ROE) | 10.6472% | 1,942 |
| Retained earnings to average equity (ytd only) | 10.6472% | 651 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9162% | 4,807 |
| Assets per employee ($millions) | 7.2072% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 4,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 68.4187% | 2,236 |
| Net loans and leases to deposits | 76.2742% | 2,919 |
| Net loans and leases to core deposits | 102.5010% | 958 |
| Total domestic deposits to total assets | 89.7010% | 1,170 |
| Equity capital to assets | 9.6255% | 4,386 |
| Core capital (leverage) ratio | 9.8377% | 3,906 |
| Tier 1 risk-based capital ratio | 12.4981% | 5,458 |
| Total risk-based capital ratio | 13.6452% | 5,458 |
| Memoranda: | ||
| Average total assets | $438,629,750 | 1,521 |
| Average earning assets | $411,101,000 | 1,484 |
| Average equity | $42,414,000 | 1,661 |
| Average total loans | $307,436,500 | 1,377 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0737% | 3,834 |
| Cost of funding earning assets | 0.3802% | 5,137 |
| Net interest margin | 3.6935% | 2,980 |
| Noninterest income to average assets | 0.8120% | 2,136 |
| Noninterest expense to average assets | 2.7050% | 4,010 |
| Loan and lease loss provision to assets | 0.0992% | 3,138 |
| Net operating income to assets | 0.9888% | 2,380 |
| Return on assets (ROA) | 1.0086% | 2,427 |
| Pretax return on assets | 1.5018% | 1,613 |
| Return on Equity (ROE) | 10.4136% | 2,038 |
| Retained earnings to average equity (ytd only) | 10.4136% | 760 |
| Net charge-offs to loans | -0.0039% | 5,595 |
| Credit loss provision to net charge-offs | -3,583.3333% | 6,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2539% | 4,971 |
| Assets per employee ($millions) | 7.2625% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 4,367 |
| Loan loss allowance to noncurrent loans | 3,430.5785% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 6,451 |
| Noncurrent loans to loans | 0.0387% | 6,283 |
| Net loans and leases to total assets | 70.7356% | 1,760 |
| Net loans and leases to deposits | 78.7910% | 2,483 |
| Net loans and leases to core deposits | 109.3991% | 585 |
| Total domestic deposits to total assets | 89.7763% | 1,161 |
| Equity capital to assets | 9.7432% | 4,247 |
| Core capital (leverage) ratio | 9.8021% | 3,789 |
| Tier 1 risk-based capital ratio | 12.7263% | 5,343 |
| Total risk-based capital ratio | 13.9591% | 5,288 |
| Memoranda: | ||
| Average total assets | $433,488,330 | 1,537 |
| Average earning assets | $406,604,330 | 1,496 |
| Average equity | $41,983,670 | 1,684 |
| Average total loans | $305,014,330 | 1,382 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 3,631 |
| Cost of funding earning assets | 0.3903% | 5,201 |
| Net interest margin | 3.7329% | 2,725 |
| Noninterest income to average assets | 0.7244% | 2,457 |
| Noninterest expense to average assets | 2.6487% | 4,247 |
| Loan and lease loss provision to assets | 0.1776% | 2,091 |
| Net operating income to assets | 0.9326% | 2,509 |
| Return on assets (ROA) | 0.9326% | 2,652 |
| Pretax return on assets | 1.3933% | 1,878 |
| Return on Equity (ROE) | 9.6581% | 2,204 |
| Retained earnings to average equity (ytd only) | 9.6581% | 1,196 |
| Net charge-offs to loans | -0.0080% | 5,370 |
| Credit loss provision to net charge-offs | -3,200.0000% | 5,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7713% | 5,186 |
| Assets per employee ($millions) | 7.4589% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 4,556 |
| Loan loss allowance to noncurrent loans | 3,411.5702% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 6,525 |
| Noncurrent loans to loans | 0.0390% | 6,372 |
| Net loans and leases to total assets | 71.9957% | 1,350 |
| Net loans and leases to deposits | 80.4113% | 2,027 |
| Net loans and leases to core deposits | 115.5912% | 359 |
| Total domestic deposits to total assets | 89.5343% | 1,338 |
| Equity capital to assets | 9.9311% | 4,239 |
| Core capital (leverage) ratio | 9.7307% | 3,753 |
| Tier 1 risk-based capital ratio | 12.4405% | 5,617 |
| Total risk-based capital ratio | 13.6732% | 5,571 |
| Memoranda: | ||
| Average total assets | $432,357,000 | 1,557 |
| Average earning assets | $404,832,500 | 1,514 |
| Average equity | $41,747,500 | 1,721 |
| Average total loans | $301,330,500 | 1,406 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1202% | 4,883 |
| Cost of funding earning assets | 0.4778% | 5,369 |
| Net interest margin | 3.6424% | 3,910 |
| Noninterest income to average assets | 1.0611% | 1,377 |
| Noninterest expense to average assets | 2.8147% | 3,968 |
| Loan and lease loss provision to assets | 0.2261% | 2,866 |
| Net operating income to assets | 0.9351% | 2,623 |
| Return on assets (ROA) | 0.9445% | 2,831 |
| Pretax return on assets | 1.4707% | 1,778 |
| Return on Equity (ROE) | 9.3630% | 2,458 |
| Retained earnings to average equity (ytd only) | 9.3630% | 733 |
| Net charge-offs to loans | 0.0603% | 5,090 |
| Credit loss provision to net charge-offs | 549.0683% | 443 |
| Earnings coverage of net charge-offs (x) | 40.8447% | 787 |
| Efficiency ratio | 62.5917% | 5,151 |
| Assets per employee ($millions) | 7.5785% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 4,438 |
| Loan loss allowance to noncurrent loans | 3,247.9339% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 6,592 |
| Noncurrent loans to loans | 0.0414% | 6,406 |
| Net loans and leases to total assets | 65.6362% | 2,583 |
| Net loans and leases to deposits | 72.7675% | 3,287 |
| Net loans and leases to core deposits | 99.8232% | 1,041 |
| Total domestic deposits to total assets | 90.1999% | 845 |
| Equity capital to assets | 9.3895% | 5,012 |
| Core capital (leverage) ratio | 9.9278% | 3,503 |
| Tier 1 risk-based capital ratio | 12.6814% | 5,337 |
| Total risk-based capital ratio | 13.9079% | 5,301 |
| Memoranda: | ||
| Average total assets | $390,908,800 | 1,676 |
| Average earning assets | $368,742,000 | 1,623 |
| Average equity | $39,431,800 | 1,765 |
| Average total loans | $266,806,800 | 1,555 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1809% | 4,883 |
| Cost of funding earning assets | 0.5016% | 5,423 |
| Net interest margin | 3.6793% | 3,882 |
| Noninterest income to average assets | 1.0902% | 1,266 |
| Noninterest expense to average assets | 2.7789% | 4,064 |
| Loan and lease loss provision to assets | 0.1912% | 3,199 |
| Net operating income to assets | 1.0562% | 2,264 |
| Return on assets (ROA) | 1.0695% | 2,423 |
| Pretax return on assets | 1.6239% | 1,496 |
| Return on Equity (ROE) | 10.3936% | 2,175 |
| Retained earnings to average equity (ytd only) | 10.3936% | 816 |
| Net charge-offs to loans | 0.0824% | 4,575 |
| Credit loss provision to net charge-offs | 337.2671% | 788 |
| Earnings coverage of net charge-offs (x) | 31.6710% | 1,055 |
| Efficiency ratio | 60.7558% | 5,362 |
| Assets per employee ($millions) | 7.7622% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 4,695 |
| Loan loss allowance to noncurrent loans | 2,739.6947% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 6,688 |
| Noncurrent loans to loans | 0.0484% | 6,496 |
| Net loans and leases to total assets | 66.1750% | 2,622 |
| Net loans and leases to deposits | 74.0969% | 3,266 |
| Net loans and leases to core deposits | 104.1223% | 858 |
| Total domestic deposits to total assets | 89.3087% | 1,234 |
| Equity capital to assets | 10.0880% | 4,377 |
| Core capital (leverage) ratio | 10.4644% | 2,960 |
| Tier 1 risk-based capital ratio | 13.7151% | 4,747 |
| Total risk-based capital ratio | 14.9476% | 4,709 |
| Memoranda: | ||
| Average total assets | $378,747,250 | 1,738 |
| Average earning assets | $358,610,000 | 1,686 |
| Average equity | $38,971,750 | 1,800 |
| Average total loans | $260,399,250 | 1,601 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1621% | 5,077 |
| Cost of funding earning assets | 0.5249% | 5,456 |
| Net interest margin | 3.6371% | 4,095 |
| Noninterest income to average assets | 1.1996% | 995 |
| Noninterest expense to average assets | 2.7853% | 4,074 |
| Loan and lease loss provision to assets | 0.2699% | 2,425 |
| Net operating income to assets | 1.0533% | 2,234 |
| Return on assets (ROA) | 1.0533% | 2,465 |
| Pretax return on assets | 1.6008% | 1,546 |
| Return on Equity (ROE) | 10.1643% | 2,291 |
| Retained earnings to average equity (ytd only) | 10.1643% | 934 |
| Net charge-offs to loans | 0.1214% | 3,957 |
| Credit loss provision to net charge-offs | 320.5128% | 922 |
| Earnings coverage of net charge-offs (x) | 22.2115% | 1,310 |
| Efficiency ratio | 59.8214% | 5,605 |
| Assets per employee ($millions) | 8.1150% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 4,811 |
| Loan loss allowance to noncurrent loans | 2,247.4684% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 6,727 |
| Noncurrent loans to loans | 0.0586% | 6,531 |
| Net loans and leases to total assets | 69.7061% | 1,971 |
| Net loans and leases to deposits | 78.2639% | 2,633 |
| Net loans and leases to core deposits | 112.8350% | 487 |
| Total domestic deposits to total assets | 89.0655% | 1,467 |
| Equity capital to assets | 10.3477% | 3,887 |
| Core capital (leverage) ratio | 10.3584% | 2,975 |
| Tier 1 risk-based capital ratio | 13.1314% | 5,092 |
| Total risk-based capital ratio | 14.3335% | 5,108 |
| Memoranda: | ||
| Average total assets | $370,451,000 | 1,781 |
| Average earning assets | $352,036,670 | 1,711 |
| Average equity | $38,389,330 | 1,818 |
| Average total loans | $256,967,330 | 1,618 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1604% | 5,243 |
| Cost of funding earning assets | 0.5411% | 5,549 |
| Net interest margin | 3.6193% | 4,184 |
| Noninterest income to average assets | 0.7157% | 2,574 |
| Noninterest expense to average assets | 2.6303% | 4,705 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0127% | 2,429 |
| Return on assets (ROA) | 1.0127% | 2,623 |
| Pretax return on assets | 1.5453% | 1,755 |
| Return on Equity (ROE) | 9.7647% | 2,485 |
| Retained earnings to average equity (ytd only) | 9.7647% | 1,334 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9921% | 5,107 |
| Assets per employee ($millions) | 8.3190% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 5,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 6,890 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 66.6383% | 2,361 |
| Net loans and leases to deposits | 74.6815% | 3,015 |
| Net loans and leases to core deposits | 108.6977% | 579 |
| Total domestic deposits to total assets | 89.2301% | 1,531 |
| Equity capital to assets | 10.4754% | 3,519 |
| Core capital (leverage) ratio | 10.4310% | 2,836 |
| Tier 1 risk-based capital ratio | 14.1737% | 4,339 |
| Total risk-based capital ratio | 15.3791% | 4,340 |
| Memoranda: | ||
| Average total assets | $364,973,000 | 1,811 |
| Average earning assets | $348,910,000 | 1,732 |
| Average equity | $37,850,500 | 1,839 |
| Average total loans | $250,743,500 | 1,657 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2738% | 5,843 |
| Cost of funding earning assets | 0.7283% | 5,352 |
| Net interest margin | 3.5455% | 4,960 |
| Noninterest income to average assets | 0.5806% | 3,295 |
| Noninterest expense to average assets | 2.5012% | 5,459 |
| Loan and lease loss provision to assets | 0.1777% | 4,414 |
| Net operating income to assets | 0.8849% | 2,667 |
| Return on assets (ROA) | 0.8922% | 2,767 |
| Pretax return on assets | 1.2983% | 2,138 |
| Return on Equity (ROE) | 8.6963% | 2,592 |
| Retained earnings to average equity (ytd only) | 8.6963% | 879 |
| Net charge-offs to loans | 0.0225% | 6,126 |
| Credit loss provision to net charge-offs | 1,171.1538% | 185 |
| Earnings coverage of net charge-offs (x) | 96.5962% | 315 |
| Efficiency ratio | 63.0553% | 5,287 |
| Assets per employee ($millions) | 8.8758% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 5,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 6,949 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 69.0151% | 2,210 |
| Net loans and leases to deposits | 77.1539% | 2,976 |
| Net loans and leases to core deposits | 111.9236% | 567 |
| Total domestic deposits to total assets | 89.4512% | 1,295 |
| Equity capital to assets | 10.2655% | 3,827 |
| Core capital (leverage) ratio | 10.2752% | 2,996 |
| Tier 1 risk-based capital ratio | 13.7596% | 4,509 |
| Total risk-based capital ratio | 14.9609% | 4,509 |
| Memoranda: | ||
| Average total assets | $342,750,400 | 1,891 |
| Average earning assets | $327,342,600 | 1,808 |
| Average equity | $35,164,200 | 1,916 |
| Average total loans | $230,832,000 | 1,807 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 6,005 |
| Cost of funding earning assets | 0.7684% | 5,344 |
| Net interest margin | 3.5124% | 5,136 |
| Noninterest income to average assets | 0.5267% | 3,679 |
| Noninterest expense to average assets | 2.5069% | 5,437 |
| Loan and lease loss provision to assets | 0.1620% | 4,445 |
| Net operating income to assets | 0.8083% | 3,118 |
| Return on assets (ROA) | 0.8179% | 3,235 |
| Pretax return on assets | 1.2205% | 2,557 |
| Return on Equity (ROE) | 7.9730% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.9730% | 1,518 |
| Net charge-offs to loans | 0.0308% | 5,714 |
| Credit loss provision to net charge-offs | 788.4615% | 342 |
| Earnings coverage of net charge-offs (x) | 66.5977% | 492 |
| Efficiency ratio | 64.6921% | 4,954 |
| Assets per employee ($millions) | 8.8837% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 5,188 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 64.6312% | 3,181 |
| Net loans and leases to deposits | 72.3764% | 3,922 |
| Net loans and leases to core deposits | 107.7801% | 776 |
| Total domestic deposits to total assets | 89.2986% | 1,256 |
| Equity capital to assets | 9.9903% | 4,355 |
| Core capital (leverage) ratio | 9.9775% | 3,473 |
| Tier 1 risk-based capital ratio | 14.1900% | 4,210 |
| Total risk-based capital ratio | 15.3858% | 4,220 |
| Memoranda: | ||
| Average total assets | $337,460,750 | 1,925 |
| Average earning assets | $321,709,250 | 1,842 |
| Average equity | $34,616,000 | 1,944 |
| Average total loans | $224,950,250 | 1,859 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3032% | 6,014 |
| Cost of funding earning assets | 0.7970% | 5,388 |
| Net interest margin | 3.5062% | 5,136 |
| Noninterest income to average assets | 0.4986% | 3,864 |
| Noninterest expense to average assets | 2.5604% | 5,324 |
| Loan and lease loss provision to assets | 0.2405% | 3,505 |
| Net operating income to assets | 0.7040% | 3,527 |
| Return on assets (ROA) | 0.7189% | 3,564 |
| Pretax return on assets | 1.0617% | 3,004 |
| Return on Equity (ROE) | 6.9419% | 3,473 |
| Retained earnings to average equity (ytd only) | 6.9419% | 1,906 |
| Net charge-offs to loans | 0.0472% | 5,191 |
| Credit loss provision to net charge-offs | 759.6154% | 429 |
| Earnings coverage of net charge-offs (x) | 40.4423% | 739 |
| Efficiency ratio | 66.6667% | 4,752 |
| Assets per employee ($millions) | 8.7979% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 5,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 7,092 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 66.4373% | 2,944 |
| Net loans and leases to deposits | 74.1671% | 3,782 |
| Net loans and leases to core deposits | 112.8639% | 623 |
| Total domestic deposits to total assets | 89.5779% | 1,197 |
| Equity capital to assets | 9.9448% | 4,231 |
| Core capital (leverage) ratio | 10.3896% | 2,842 |
| Tier 1 risk-based capital ratio | 14.0394% | 4,148 |
| Total risk-based capital ratio | 15.2492% | 4,146 |
| Memoranda: | ||
| Average total assets | $328,536,670 | 1,980 |
| Average earning assets | $313,162,330 | 1,898 |
| Average equity | $34,025,330 | 1,956 |
| Average total loans | $220,461,670 | 1,906 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3510% | 5,846 |
| Cost of funding earning assets | 0.8344% | 5,370 |
| Net interest margin | 3.5165% | 4,933 |
| Noninterest income to average assets | 0.3712% | 4,939 |
| Noninterest expense to average assets | 2.6637% | 4,985 |
| Loan and lease loss provision to assets | 0.1187% | 4,526 |
| Net operating income to assets | 0.6329% | 3,847 |
| Return on assets (ROA) | 0.6363% | 3,900 |
| Pretax return on assets | 0.9456% | 3,336 |
| Return on Equity (ROE) | 6.0108% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.0108% | 2,628 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5497% | 3,952 |
| Assets per employee ($millions) | 8.2097% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 5,309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 66.7557% | 2,824 |
| Net loans and leases to deposits | 75.0189% | 3,582 |
| Net loans and leases to core deposits | 115.3353% | 550 |
| Total domestic deposits to total assets | 88.9852% | 1,782 |
| Equity capital to assets | 10.5635% | 3,111 |
| Core capital (leverage) ratio | 10.9035% | 2,262 |
| Tier 1 risk-based capital ratio | 14.8168% | 3,530 |
| Total risk-based capital ratio | 16.0134% | 3,533 |
| Memoranda: | ||
| Average total assets | $316,848,000 | 2,057 |
| Average earning assets | $302,003,000 | 1,974 |
| Average equity | $33,539,500 | 1,964 |
| Average total loans | $212,295,000 | 1,994 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9006% | 5,029 |
| Cost of funding earning assets | 0.9797% | 5,782 |
| Net interest margin | 3.9209% | 3,395 |
| Noninterest income to average assets | 0.3326% | 5,410 |
| Noninterest expense to average assets | 2.7573% | 4,751 |
| Loan and lease loss provision to assets | 0.2324% | 4,956 |
| Net operating income to assets | 0.7272% | 3,115 |
| Return on assets (ROA) | 0.7629% | 3,067 |
| Pretax return on assets | 1.1451% | 2,417 |
| Return on Equity (ROE) | 6.2828% | 3,458 |
| Retained earnings to average equity (ytd only) | 6.2828% | 1,674 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5559% | 4,657 |
| Assets per employee ($millions) | 8.2505% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 5,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 65.5334% | 3,556 |
| Net loans and leases to deposits | 75.1534% | 3,990 |
| Net loans and leases to core deposits | 118.9267% | 560 |
| Total domestic deposits to total assets | 87.1995% | 2,714 |
| Equity capital to assets | 10.6077% | 3,058 |
| Core capital (leverage) ratio | 10.7656% | 2,332 |
| Tier 1 risk-based capital ratio | 15.2754% | 3,115 |
| Total risk-based capital ratio | 16.4873% | 3,084 |
| Memoranda: | ||
| Average total assets | $266,347,200 | 2,389 |
| Average earning assets | $254,661,200 | 2,302 |
| Average equity | $32,342,200 | 2,033 |
| Average total loans | $183,268,800 | 2,315 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0068% | 4,785 |
| Cost of funding earning assets | 0.9874% | 5,994 |
| Net interest margin | 4.0194% | 3,009 |
| Noninterest income to average assets | 0.2289% | 6,264 |
| Noninterest expense to average assets | 2.7587% | 4,645 |
| Loan and lease loss provision to assets | 0.2404% | 4,677 |
| Net operating income to assets | 0.7063% | 3,383 |
| Return on assets (ROA) | 0.7506% | 3,373 |
| Pretax return on assets | 1.1345% | 2,714 |
| Return on Equity (ROE) | 5.9496% | 3,839 |
| Retained earnings to average equity (ytd only) | 5.9496% | 2,386 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8387% | 4,494 |
| Assets per employee ($millions) | 8.0133% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 5,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 64.9795% | 3,911 |
| Net loans and leases to deposits | 73.5738% | 4,583 |
| Net loans and leases to core deposits | 113.9684% | 836 |
| Total domestic deposits to total assets | 88.3187% | 1,782 |
| Equity capital to assets | 11.1615% | 2,807 |
| Core capital (leverage) ratio | 10.7783% | 2,440 |
| Tier 1 risk-based capital ratio | 15.0893% | 3,207 |
| Total risk-based capital ratio | 16.2767% | 3,227 |
| Memoranda: | ||
| Average total assets | $254,554,500 | 2,540 |
| Average earning assets | $243,050,000 | 2,434 |
| Average equity | $32,113,500 | 2,063 |
| Average total loans | $177,058,750 | 2,422 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1317% | 4,289 |
| Cost of funding earning assets | 0.9595% | 6,339 |
| Net interest margin | 4.1722% | 2,251 |
| Noninterest income to average assets | 0.2137% | 6,392 |
| Noninterest expense to average assets | 2.8108% | 4,442 |
| Loan and lease loss provision to assets | 0.2619% | 4,306 |
| Net operating income to assets | 0.7450% | 3,217 |
| Return on assets (ROA) | 0.7615% | 3,298 |
| Pretax return on assets | 1.1531% | 2,579 |
| Return on Equity (ROE) | 5.7634% | 3,912 |
| Retained earnings to average equity (ytd only) | 5.7634% | 2,463 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9107% | 4,784 |
| Assets per employee ($millions) | 9.1011% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 5,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 64.2181% | 4,214 |
| Net loans and leases to deposits | 72.8457% | 4,862 |
| Net loans and leases to core deposits | 117.2723% | 795 |
| Total domestic deposits to total assets | 88.1563% | 1,923 |
| Equity capital to assets | 11.4871% | 2,456 |
| Core capital (leverage) ratio | 12.1354% | 1,572 |
| Tier 1 risk-based capital ratio | 15.7061% | 2,802 |
| Total risk-based capital ratio | 16.8897% | 2,796 |
| Memoranda: | ||
| Average total assets | $240,575,330 | 2,695 |
| Average earning assets | $229,905,000 | 2,584 |
| Average equity | $31,787,000 | 2,075 |
| Average total loans | $171,028,670 | 2,525 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5083% | 2,543 |
| Cost of funding earning assets | 0.9491% | 6,583 |
| Net interest margin | 4.5592% | 1,031 |
| Noninterest income to average assets | 0.2056% | 6,493 |
| Noninterest expense to average assets | 2.9627% | 3,810 |
| Loan and lease loss provision to assets | 0.3003% | 3,632 |
| Net operating income to assets | 0.8299% | 2,835 |
| Return on assets (ROA) | 0.8299% | 2,930 |
| Pretax return on assets | 1.2612% | 2,171 |
| Return on Equity (ROE) | 5.7949% | 3,967 |
| Retained earnings to average equity (ytd only) | 5.7949% | 2,719 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4867% | 5,222 |
| Assets per employee ($millions) | 7.5874% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 5,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 74.3864% | 1,889 |
| Net loans and leases to deposits | 86.7346% | 2,465 |
| Net loans and leases to core deposits | 117.9348% | 869 |
| Total domestic deposits to total assets | 85.7632% | 3,279 |
| Equity capital to assets | 13.9552% | 1,156 |
| Core capital (leverage) ratio | 14.5792% | 836 |
| Tier 1 risk-based capital ratio | 17.2478% | 2,176 |
| Total risk-based capital ratio | 18.4695% | 2,142 |
| Memoranda: | ||
| Average total assets | $219,796,000 | 2,992 |
| Average earning assets | $208,196,500 | 2,896 |
| Average equity | $31,476,000 | 2,113 |
| Average total loans | $164,779,500 | 2,690 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6833% | 7,164 |
| Cost of funding earning assets | 1.2212% | 6,586 |
| Net interest margin | 3.4621% | 5,121 |
| Noninterest income to average assets | 0.4703% | 4,648 |
| Noninterest expense to average assets | 3.0222% | 4,065 |
| Loan and lease loss provision to assets | 0.4245% | 4,282 |
| Net operating income to assets | 1.1016% | 1,508 |
| Return on assets (ROA) | 1.1016% | 1,545 |
| Pretax return on assets | 0.3165% | 4,716 |
| Return on Equity (ROE) | 7.3900% | 2,624 |
| Retained earnings to average equity (ytd only) | 7.3900% | 848 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3094% | 2,840 |
| Assets per employee ($millions) | 7.0657% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 4,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 73.6011% | 2,361 |
| Net loans and leases to deposits | 90.6115% | 2,121 |
| Net loans and leases to core deposits | 117.0100% | 2,223 |
| Total domestic deposits to total assets | 81.2271% | 5,256 |
| Equity capital to assets | 14.7129% | 972 |
| Core capital (leverage) ratio | 15.8028% | 644 |
| Tier 1 risk-based capital ratio | 17.9844% | 1,902 |
| Total risk-based capital ratio | 19.1867% | 1,872 |
| Memoranda: | ||
| Average total assets | $176,923,400 | 3,488 |
| Average earning assets | $168,278,600 | 3,380 |
| Average equity | $26,373,600 | 2,500 |
| Average total loans | $126,019,600 | 3,351 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3514% | 7,641 |
| Cost of funding earning assets | 1.2989% | 6,562 |
| Net interest margin | 3.0525% | 6,458 |
| Noninterest income to average assets | 0.2268% | 6,609 |
| Noninterest expense to average assets | 3.0565% | 3,818 |
| Loan and lease loss provision to assets | 0.3433% | 4,267 |
| Net operating income to assets | -0.2609% | 6,151 |
| Return on assets (ROA) | -0.2609% | 6,161 |
| Pretax return on assets | -0.2609% | 6,053 |
| Return on Equity (ROE) | -1.7428% | 6,057 |
| Retained earnings to average equity (ytd only) | -1.7428% | 5,667 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3731% | 1,193 |
| Assets per employee ($millions) | 6.3952% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 4,824 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 70.5228% | 3,382 |
| Net loans and leases to deposits | 83.3562% | 3,764 |
| Net loans and leases to core deposits | 104.2934% | 3,902 |
| Total domestic deposits to total assets | 84.6042% | 3,427 |
| Equity capital to assets | 15.1222% | 969 |
| Core capital (leverage) ratio | 15.1619% | 827 |
| Tier 1 risk-based capital ratio | 18.2907% | 1,909 |
| Total risk-based capital ratio | 19.3841% | 1,902 |
| Memoranda: | ||
| Average total assets | $168,161,500 | 3,661 |
| Average earning assets | $160,433,750 | 3,539 |
| Average equity | $25,170,250 | 2,618 |
| Average total loans | $118,013,500 | 3,553 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 7,785 |
| Cost of funding earning assets | 1.3667% | 6,597 |
| Net interest margin | 2.9197% | 6,755 |
| Noninterest income to average assets | 0.1810% | 7,004 |
| Noninterest expense to average assets | 3.2060% | 3,322 |
| Loan and lease loss provision to assets | 0.3245% | 3,997 |
| Net operating income to assets | -0.5528% | 6,601 |
| Return on assets (ROA) | -0.5528% | 6,606 |
| Pretax return on assets | -0.5528% | 6,476 |
| Return on Equity (ROE) | -3.7088% | 6,445 |
| Retained earnings to average equity (ytd only) | -3.7088% | 6,083 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6697% | 918 |
| Assets per employee ($millions) | 6.0128% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 4,592 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 69.6993% | 3,770 |
| Net loans and leases to deposits | 83.9024% | 3,897 |
| Net loans and leases to core deposits | 101.0375% | 4,398 |
| Total domestic deposits to total assets | 83.0718% | 4,205 |
| Equity capital to assets | 16.4740% | 757 |
| Core capital (leverage) ratio | 16.8705% | 632 |
| Tier 1 risk-based capital ratio | 21.1976% | 1,366 |
| Total risk-based capital ratio | 22.3438% | 1,348 |
| Memoranda: | ||
| Average total assets | $160,263,000 | 3,822 |
| Average earning assets | $153,508,330 | 3,675 |
| Average equity | $23,889,330 | 2,767 |
| Average total loans | $111,679,330 | 3,725 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1851% | 7,913 |
| Cost of funding earning assets | 1.4204% | 6,662 |
| Net interest margin | 2.7647% | 7,065 |
| Noninterest income to average assets | 0.1828% | 6,987 |
| Noninterest expense to average assets | 3.2557% | 2,776 |
| Loan and lease loss provision to assets | 0.2506% | 3,967 |
| Net operating income to assets | -0.6658% | 7,022 |
| Return on assets (ROA) | -0.6658% | 7,061 |
| Pretax return on assets | -0.6658% | 6,946 |
| Return on Equity (ROE) | -4.7506% | 6,961 |
| Retained earnings to average equity (ytd only) | -4.7506% | 6,523 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.6140% | 724 |
| Assets per employee ($millions) | 5.2473% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 4,425 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 69.0014% | 3,913 |
| Net loans and leases to deposits | 80.2634% | 4,567 |
| Net loans and leases to core deposits | 97.0784% | 4,840 |
| Total domestic deposits to total assets | 85.9687% | 2,741 |
| Equity capital to assets | 13.5536% | 1,515 |
| Core capital (leverage) ratio | 13.9827% | 1,197 |
| Tier 1 risk-based capital ratio | 17.2403% | 2,257 |
| Total risk-based capital ratio | 18.3640% | 2,243 |
| Memoranda: | ||
| Average total assets | $153,208,500 | 3,956 |
| Average earning assets | $147,285,000 | 3,806 |
| Average equity | $21,471,000 | 3,047 |
| Average total loans | $105,981,000 | 3,886 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7560% | 7,958 |
| Cost of funding earning assets | 1.8929% | 6,745 |
| Net interest margin | 2.8631% | 7,229 |
| Noninterest income to average assets | 0.1705% | 7,202 |
| Noninterest expense to average assets | 4.6009% | 817 |
| Loan and lease loss provision to assets | 0.9179% | 1,624 |
| Net operating income to assets | -2.6933% | 7,760 |
| Return on assets (ROA) | -2.6933% | 7,731 |
| Pretax return on assets | -2.6933% | 7,638 |
| Return on Equity (ROE) | -12.4946% | 7,461 |
| Retained earnings to average equity (ytd only) | -12.4946% | 7,287 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.8349% | 305 |
| Assets per employee ($millions) | 5.1378% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 4,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 67.5745% | 4,538 |
| Net loans and leases to deposits | 79.5669% | 5,120 |
| Net loans and leases to core deposits | 93.3141% | 5,516 |
| Total domestic deposits to total assets | 84.9279% | 2,873 |
| Equity capital to assets | 14.5010% | 1,297 |
| Core capital (leverage) ratio | 15.2241% | 974 |
| Tier 1 risk-based capital ratio | 19.1117% | 1,789 |
| Total risk-based capital ratio | 20.2597% | 1,770 |
| Memoranda: | ||
| Average total assets | $104,371,800 | 4,919 |
| Average earning assets | $96,782,200 | 4,898 |
| Average equity | $22,497,800 | 2,908 |
| Average total loans | $65,497,000 | 5,040 |