Home > First Federal Savings Bank of Twin Falls > Performance and Condition Ratios
First Federal Savings Bank of Twin Falls, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 2,939 |
| Cost of funding earning assets | 1.8243% | 1,211 |
| Net interest margin | 2.7568% | 3,740 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 2.6932% | 1,754 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.4104% | 3,847 |
| Return on assets (ROA) | 0.4104% | 3,847 |
| Pretax return on assets | 0.5482% | 3,725 |
| Return on Equity (ROE) | 5.7900% | 3,567 |
| Retained earnings to average equity (ytd only) | 5.7863% | 2,325 |
| Net charge-offs to loans | -0.0018% | 3,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.5166% | 807 |
| Assets per employee ($millions) | 5.7928% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 3,722 |
| Loan loss allowance to noncurrent loans | 14,767.7419% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 3,794 |
| Noncurrent loans to loans | 0.0061% | 3,734 |
| Net loans and leases to total assets | 69.1000% | 1,913 |
| Net loans and leases to deposits | 84.7095% | 1,713 |
| Net loans and leases to core deposits | 97.1931% | 1,582 |
| Total domestic deposits to total assets | 81.5800% | 3,205 |
| Equity capital to assets | 7.1852% | 3,862 |
| Core capital (leverage) ratio | 8.2447% | 4,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8938% | 2,275 |
| Memoranda: | ||
| Average total assets | $1,424,200,600 | 742 |
| Average earning assets | $1,342,986,200 | 725 |
| Average equity | $101,014,000 | 940 |
| Average total loans | $966,610,600 | 751 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4956% | 2,932 |
| Cost of funding earning assets | 1.6575% | 1,264 |
| Net interest margin | 2.8381% | 3,661 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.7180% | 1,609 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.4198% | 3,929 |
| Return on assets (ROA) | 0.4198% | 3,919 |
| Pretax return on assets | 0.5628% | 3,801 |
| Return on Equity (ROE) | 5.9400% | 3,652 |
| Retained earnings to average equity (ytd only) | 5.9393% | 2,653 |
| Net charge-offs to loans | -0.0010% | 3,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.0654% | 801 |
| Assets per employee ($millions) | 5.7713% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 3,709 |
| Loan loss allowance to noncurrent loans | 3,790.7563% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 3,672 |
| Noncurrent loans to loans | 0.0239% | 3,596 |
| Net loans and leases to total assets | 68.0800% | 2,035 |
| Net loans and leases to deposits | 86.8157% | 1,482 |
| Net loans and leases to core deposits | 95.8501% | 1,559 |
| Total domestic deposits to total assets | 78.4200% | 3,770 |
| Equity capital to assets | 6.8490% | 3,685 |
| Core capital (leverage) ratio | 8.2475% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0780% | 2,241 |
| Memoranda: | ||
| Average total assets | $1,413,857,750 | 749 |
| Average earning assets | $1,332,489,750 | 730 |
| Average equity | $99,941,250 | 939 |
| Average total loans | $952,781,250 | 763 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 2,845 |
| Cost of funding earning assets | 1.4457% | 1,350 |
| Net interest margin | 2.9699% | 3,510 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.7371% | 1,558 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.4777% | 3,855 |
| Return on assets (ROA) | 0.4777% | 3,861 |
| Pretax return on assets | 0.6402% | 3,723 |
| Return on Equity (ROE) | 6.6900% | 3,540 |
| Retained earnings to average equity (ytd only) | 6.6857% | 2,382 |
| Net charge-offs to loans | -0.0013% | 3,468 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.3213% | 886 |
| Assets per employee ($millions) | 5.6967% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 3,743 |
| Loan loss allowance to noncurrent loans | 2,610.4167% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 3,566 |
| Noncurrent loans to loans | 0.0349% | 3,487 |
| Net loans and leases to total assets | 66.6500% | 2,091 |
| Net loans and leases to deposits | 88.1758% | 1,329 |
| Net loans and leases to core deposits | 94.6909% | 1,539 |
| Total domestic deposits to total assets | 75.5900% | 4,075 |
| Equity capital to assets | 7.0841% | 3,747 |
| Core capital (leverage) ratio | 8.2877% | 4,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1455% | 2,237 |
| Memoranda: | ||
| Average total assets | $1,402,275,000 | 741 |
| Average earning assets | $1,320,898,667 | 725 |
| Average equity | $100,183,333 | 935 |
| Average total loans | $938,627,000 | 755 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 2,852 |
| Cost of funding earning assets | 1.1711% | 1,531 |
| Net interest margin | 3.1066% | 3,337 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.8042% | 1,425 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.5240% | 3,837 |
| Return on assets (ROA) | 0.5240% | 3,796 |
| Pretax return on assets | 0.7024% | 3,656 |
| Return on Equity (ROE) | 7.3000% | 3,460 |
| Retained earnings to average equity (ytd only) | 7.3031% | 2,420 |
| Net charge-offs to loans | 0.0060% | 1,734 |
| Credit loss provision to net charge-offs | 1,885.7143% | 207 |
| Earnings coverage of net charge-offs (x) | 193.0000% | 516 |
| Efficiency ratio | 78.2728% | 978 |
| Assets per employee ($millions) | 5.6056% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 3,836 |
| Loan loss allowance to noncurrent loans | 6,391.7293% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 3,778 |
| Noncurrent loans to loans | 0.0142% | 3,715 |
| Net loans and leases to total assets | 66.0300% | 2,055 |
| Net loans and leases to deposits | 82.5736% | 1,610 |
| Net loans and leases to core deposits | 88.0568% | 1,736 |
| Total domestic deposits to total assets | 79.9700% | 3,763 |
| Equity capital to assets | 7.2406% | 3,707 |
| Core capital (leverage) ratio | 8.4279% | 4,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3032% | 2,268 |
| Memoranda: | ||
| Average total assets | $1,388,477,500 | 764 |
| Average earning assets | $1,306,785,000 | 748 |
| Average equity | $99,628,500 | 948 |
| Average total loans | $927,018,500 | 772 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7640% | 2,361 |
| Cost of funding earning assets | 0.2646% | 3,212 |
| Net interest margin | 3.4995% | 1,936 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 3.0342% | 922 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.8954% | 2,979 |
| Return on assets (ROA) | 0.8954% | 2,915 |
| Pretax return on assets | 1.2002% | 2,434 |
| Return on Equity (ROE) | 12.1100% | 2,099 |
| Retained earnings to average equity (ytd only) | 12.1145% | 645 |
| Net charge-offs to loans | -0.0045% | 3,612 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.1299% | 1,669 |
| Assets per employee ($millions) | 5.3935% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 3,770 |
| Loan loss allowance to noncurrent loans | 3,011.3139% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 3,648 |
| Noncurrent loans to loans | 0.0299% | 3,577 |
| Net loans and leases to total assets | 66.2900% | 2,005 |
| Net loans and leases to deposits | 84.0134% | 1,476 |
| Net loans and leases to core deposits | 85.9005% | 1,759 |
| Total domestic deposits to total assets | 78.9100% | 4,013 |
| Equity capital to assets | 7.1084% | 3,613 |
| Core capital (leverage) ratio | 8.4876% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8638% | 2,428 |
| Memoranda: | ||
| Average total assets | $1,316,995,000 | 778 |
| Average earning assets | $1,246,967,200 | 762 |
| Average equity | $97,337,800 | 962 |
| Average total loans | $821,267,800 | 808 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6257% | 2,269 |
| Cost of funding earning assets | 0.1565% | 3,766 |
| Net interest margin | 3.4692% | 1,751 |
| Noninterest income to average assets | 0.9800% | 698 |
| Noninterest expense to average assets | 3.0949% | 793 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.8210% | 3,171 |
| Return on assets (ROA) | 0.8210% | 3,134 |
| Pretax return on assets | 1.1006% | 2,723 |
| Return on Equity (ROE) | 11.0000% | 2,379 |
| Retained earnings to average equity (ytd only) | 10.9977% | 1,057 |
| Net charge-offs to loans | -0.0007% | 3,150 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.4498% | 1,451 |
| Assets per employee ($millions) | 5.1297% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 3,916 |
| Loan loss allowance to noncurrent loans | 2,392.2840% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 3,703 |
| Noncurrent loans to loans | 0.0368% | 3,630 |
| Net loans and leases to total assets | 65.2400% | 1,957 |
| Net loans and leases to deposits | 76.2911% | 1,853 |
| Net loans and leases to core deposits | 77.2294% | 2,098 |
| Total domestic deposits to total assets | 85.5200% | 3,170 |
| Equity capital to assets | 6.9450% | 3,544 |
| Core capital (leverage) ratio | 8.4369% | 4,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0343% | 2,462 |
| Memoranda: | ||
| Average total assets | $1,303,754,750 | 796 |
| Average earning assets | $1,236,179,250 | 776 |
| Average equity | $97,326,750 | 967 |
| Average total loans | $797,474,000 | 822 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4491% | 2,301 |
| Cost of funding earning assets | 0.1221% | 3,937 |
| Net interest margin | 3.3269% | 1,834 |
| Noninterest income to average assets | 1.0760% | 574 |
| Noninterest expense to average assets | 3.1285% | 701 |
| Loan and lease loss provision to assets | 0.0771% | 1,256 |
| Net operating income to assets | 0.7675% | 3,079 |
| Return on assets (ROA) | 0.7675% | 3,042 |
| Pretax return on assets | 1.0287% | 2,636 |
| Return on Equity (ROE) | 10.0390% | 2,323 |
| Retained earnings to average equity (ytd only) | 10.0390% | 1,006 |
| Net charge-offs to loans | -0.0005% | 2,987 |
| Credit loss provision to net charge-offs | -24,900.0000% | 3,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8841% | 1,524 |
| Assets per employee ($millions) | 4.8748% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 3,887 |
| Loan loss allowance to noncurrent loans | 3,886.5285% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 3,873 |
| Noncurrent loans to loans | 0.0237% | 3,782 |
| Net loans and leases to total assets | 61.9110% | 2,132 |
| Net loans and leases to deposits | 67.9154% | 2,396 |
| Net loans and leases to core deposits | 68.8720% | 2,579 |
| Total domestic deposits to total assets | 91.1590% | 1,161 |
| Equity capital to assets | 7.3010% | 3,599 |
| Core capital (leverage) ratio | 8.1407% | 4,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4773% | 2,298 |
| Memoranda: | ||
| Average total assets | $1,292,054,333 | 801 |
| Average earning assets | $1,226,595,000 | 779 |
| Average equity | $98,774,667 | 969 |
| Average total loans | $769,551,333 | 828 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2613% | 2,497 |
| Cost of funding earning assets | 0.1280% | 3,799 |
| Net interest margin | 3.1333% | 2,072 |
| Noninterest income to average assets | 1.1811% | 496 |
| Noninterest expense to average assets | 2.9973% | 815 |
| Loan and lease loss provision to assets | 0.0761% | 1,079 |
| Net operating income to assets | 0.8119% | 2,627 |
| Return on assets (ROA) | 0.8119% | 2,617 |
| Pretax return on assets | 1.0882% | 2,180 |
| Return on Equity (ROE) | 10.3847% | 1,828 |
| Retained earnings to average equity (ytd only) | 10.3847% | 934 |
| Net charge-offs to loans | -0.0027% | 3,154 |
| Credit loss provision to net charge-offs | -4,900.0000% | 3,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0227% | 1,970 |
| Assets per employee ($millions) | 4.7538% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 3,884 |
| Loan loss allowance to noncurrent loans | 120,850.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,126 |
| Noncurrent loans to loans | 0.0008% | 4,054 |
| Net loans and leases to total assets | 56.7838% | 2,444 |
| Net loans and leases to deposits | 62.3769% | 2,684 |
| Net loans and leases to core deposits | 63.2227% | 2,865 |
| Total domestic deposits to total assets | 91.0333% | 1,016 |
| Equity capital to assets | 7.4559% | 3,961 |
| Core capital (leverage) ratio | 8.3242% | 4,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2132% | 2,116 |
| Memoranda: | ||
| Average total assets | $1,287,292,500 | 812 |
| Average earning assets | $1,224,542,500 | 792 |
| Average equity | $100,648,000 | 986 |
| Average total loans | $747,666,500 | 834 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8523% | 1,738 |
| Cost of funding earning assets | 0.1537% | 3,932 |
| Net interest margin | 3.6986% | 1,217 |
| Noninterest income to average assets | 1.4599% | 526 |
| Noninterest expense to average assets | 3.6113% | 425 |
| Loan and lease loss provision to assets | 0.0853% | 1,443 |
| Net operating income to assets | 0.9331% | 2,930 |
| Return on assets (ROA) | 0.9350% | 2,986 |
| Pretax return on assets | 1.2533% | 2,511 |
| Return on Equity (ROE) | 10.5500% | 2,325 |
| Retained earnings to average equity (ytd only) | 10.5500% | 793 |
| Net charge-offs to loans | -0.0069% | 3,634 |
| Credit loss provision to net charge-offs | -1,940.8163% | 4,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9920% | 1,412 |
| Assets per employee ($millions) | 4.4434% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 3,939 |
| Loan loss allowance to noncurrent loans | 4,930.2817% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 4,032 |
| Noncurrent loans to loans | 0.0193% | 3,935 |
| Net loans and leases to total assets | 58.3108% | 2,343 |
| Net loans and leases to deposits | 64.5608% | 2,638 |
| Net loans and leases to core deposits | 65.3520% | 2,877 |
| Total domestic deposits to total assets | 90.3192% | 801 |
| Equity capital to assets | 8.2011% | 4,233 |
| Core capital (leverage) ratio | 8.6117% | 3,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6902% | 1,979 |
| Memoranda: | ||
| Average total assets | $1,114,564,800 | 881 |
| Average earning assets | $1,050,952,800 | 866 |
| Average equity | $98,777,200 | 1,022 |
| Average total loans | $705,595,400 | 875 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9715% | 1,609 |
| Cost of funding earning assets | 0.1628% | 3,994 |
| Net interest margin | 3.8088% | 1,099 |
| Noninterest income to average assets | 1.4737% | 560 |
| Noninterest expense to average assets | 3.6270% | 398 |
| Loan and lease loss provision to assets | 0.0937% | 1,273 |
| Net operating income to assets | 0.9938% | 2,936 |
| Return on assets (ROA) | 0.9964% | 2,990 |
| Pretax return on assets | 1.3357% | 2,529 |
| Return on Equity (ROE) | 11.0053% | 2,365 |
| Retained earnings to average equity (ytd only) | 11.0053% | 1,062 |
| Net charge-offs to loans | 0.0017% | 2,347 |
| Credit loss provision to net charge-offs | 8,433.3333% | 92 |
| Earnings coverage of net charge-offs (x) | 1,283.4444% | 123 |
| Efficiency ratio | 71.7780% | 1,424 |
| Assets per employee ($millions) | 4.2218% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9305% | 4,068 |
| Loan loss allowance to noncurrent loans | 6,137.2727% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 4,172 |
| Noncurrent loans to loans | 0.0152% | 4,093 |
| Net loans and leases to total assets | 61.9107% | 2,017 |
| Net loans and leases to deposits | 68.9445% | 2,337 |
| Net loans and leases to core deposits | 69.8336% | 2,611 |
| Total domestic deposits to total assets | 89.7979% | 866 |
| Equity capital to assets | 8.7388% | 4,041 |
| Core capital (leverage) ratio | 8.9523% | 3,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9198% | 1,997 |
| Memoranda: | ||
| Average total assets | $1,079,945,500 | 914 |
| Average earning assets | $1,014,899,000 | 903 |
| Average equity | $97,780,750 | 1,047 |
| Average total loans | $697,579,250 | 899 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0790% | 1,391 |
| Cost of funding earning assets | 0.1747% | 3,995 |
| Net interest margin | 3.9043% | 963 |
| Noninterest income to average assets | 1.5464% | 521 |
| Noninterest expense to average assets | 3.5957% | 413 |
| Loan and lease loss provision to assets | 0.0986% | 1,285 |
| Net operating income to assets | 1.1276% | 2,443 |
| Return on assets (ROA) | 1.1317% | 2,494 |
| Pretax return on assets | 1.5171% | 1,967 |
| Return on Equity (ROE) | 12.3411% | 1,936 |
| Retained earnings to average equity (ytd only) | 12.3411% | 842 |
| Net charge-offs to loans | 0.0055% | 1,944 |
| Credit loss provision to net charge-offs | 2,731.5789% | 223 |
| Earnings coverage of net charge-offs (x) | 446.2632% | 288 |
| Efficiency ratio | 69.0649% | 1,751 |
| Assets per employee ($millions) | 3.8565% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 4,038 |
| Loan loss allowance to noncurrent loans | 6,566.6667% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 4,250 |
| Noncurrent loans to loans | 0.0143% | 4,166 |
| Net loans and leases to total assets | 62.3460% | 2,140 |
| Net loans and leases to deposits | 69.7248% | 2,439 |
| Net loans and leases to core deposits | 70.6510% | 2,719 |
| Total domestic deposits to total assets | 89.4173% | 1,070 |
| Equity capital to assets | 8.9971% | 3,802 |
| Core capital (leverage) ratio | 9.0085% | 3,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2511% | 1,886 |
| Memoranda: | ||
| Average total assets | $1,052,929,667 | 928 |
| Average earning assets | $987,016,667 | 917 |
| Average equity | $96,555,333 | 1,050 |
| Average total loans | $688,262,333 | 917 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1360% | 1,312 |
| Cost of funding earning assets | 0.1902% | 4,008 |
| Net interest margin | 3.9458% | 916 |
| Noninterest income to average assets | 1.4982% | 602 |
| Noninterest expense to average assets | 3.5096% | 462 |
| Loan and lease loss provision to assets | 0.1039% | 1,310 |
| Net operating income to assets | 1.1806% | 2,229 |
| Return on assets (ROA) | 1.1806% | 2,299 |
| Pretax return on assets | 1.5826% | 1,778 |
| Return on Equity (ROE) | 12.7457% | 1,740 |
| Retained earnings to average equity (ytd only) | 12.7457% | 966 |
| Net charge-offs to loans | 0.0099% | 1,561 |
| Credit loss provision to net charge-offs | 1,570.5882% | 295 |
| Earnings coverage of net charge-offs (x) | 254.9412% | 339 |
| Efficiency ratio | 67.5429% | 2,002 |
| Assets per employee ($millions) | 3.9382% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 4,152 |
| Loan loss allowance to noncurrent loans | 312,550.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 4,421 |
| Noncurrent loans to loans | 0.0003% | 4,340 |
| Net loans and leases to total assets | 63.4166% | 2,112 |
| Net loans and leases to deposits | 71.0184% | 2,418 |
| Net loans and leases to core deposits | 72.1429% | 2,690 |
| Total domestic deposits to total assets | 89.2960% | 1,175 |
| Equity capital to assets | 8.8827% | 3,804 |
| Core capital (leverage) ratio | 9.5821% | 2,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5268% | 2,072 |
| Memoranda: | ||
| Average total assets | $1,027,920,000 | 935 |
| Average earning assets | $963,356,000 | 925 |
| Average equity | $95,216,500 | 1,052 |
| Average total loans | $685,320,500 | 919 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8549% | 663 |
| Cost of funding earning assets | 0.2687% | 4,300 |
| Net interest margin | 4.5862% | 272 |
| Noninterest income to average assets | 1.5237% | 523 |
| Noninterest expense to average assets | 4.2873% | 291 |
| Loan and lease loss provision to assets | 0.1034% | 3,041 |
| Net operating income to assets | 1.0393% | 2,142 |
| Return on assets (ROA) | 1.0393% | 2,285 |
| Pretax return on assets | 1.3932% | 1,679 |
| Return on Equity (ROE) | 9.6316% | 2,150 |
| Retained earnings to average equity (ytd only) | 9.6316% | 654 |
| Net charge-offs to loans | -0.0144% | 4,340 |
| Credit loss provision to net charge-offs | -955.5556% | 4,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1248% | 1,426 |
| Assets per employee ($millions) | 3.7131% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 4,229 |
| Loan loss allowance to noncurrent loans | 1,671.5877% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 4,173 |
| Noncurrent loans to loans | 0.0530% | 4,078 |
| Net loans and leases to total assets | 69.0337% | 1,682 |
| Net loans and leases to deposits | 77.8719% | 2,087 |
| Net loans and leases to core deposits | 79.1602% | 2,435 |
| Total domestic deposits to total assets | 88.6503% | 1,144 |
| Equity capital to assets | 9.6864% | 3,426 |
| Core capital (leverage) ratio | 9.9165% | 2,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6041% | 2,014 |
| Memoranda: | ||
| Average total assets | $831,682,400 | 1,025 |
| Average earning assets | $772,582,200 | 1,017 |
| Average equity | $89,746,200 | 1,059 |
| Average total loans | $627,117,800 | 945 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0125% | 588 |
| Cost of funding earning assets | 0.2862% | 4,366 |
| Net interest margin | 4.7264% | 242 |
| Noninterest income to average assets | 1.5940% | 467 |
| Noninterest expense to average assets | 4.3632% | 277 |
| Loan and lease loss provision to assets | 0.1119% | 2,926 |
| Net operating income to assets | 1.1224% | 1,909 |
| Return on assets (ROA) | 1.1224% | 2,026 |
| Pretax return on assets | 1.5046% | 1,440 |
| Return on Equity (ROE) | 10.0857% | 1,982 |
| Retained earnings to average equity (ytd only) | 10.0857% | 745 |
| Net charge-offs to loans | -0.0178% | 4,381 |
| Credit loss provision to net charge-offs | -814.6341% | 3,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9681% | 1,531 |
| Assets per employee ($millions) | 3.4992% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8822% | 4,125 |
| Loan loss allowance to noncurrent loans | 3,135.6757% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 4,372 |
| Noncurrent loans to loans | 0.0281% | 4,295 |
| Net loans and leases to total assets | 72.4727% | 1,594 |
| Net loans and leases to deposits | 82.1464% | 2,082 |
| Net loans and leases to core deposits | 83.6460% | 2,512 |
| Total domestic deposits to total assets | 88.2239% | 1,103 |
| Equity capital to assets | 10.2690% | 2,991 |
| Core capital (leverage) ratio | 10.5888% | 2,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1960% | 2,111 |
| Memoranda: | ||
| Average total assets | $796,393,500 | 1,045 |
| Average earning assets | $738,986,000 | 1,044 |
| Average equity | $88,624,500 | 1,059 |
| Average total loans | $614,500,500 | 954 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0345% | 779 |
| Cost of funding earning assets | 0.3035% | 4,470 |
| Net interest margin | 4.7311% | 316 |
| Noninterest income to average assets | 1.4253% | 517 |
| Noninterest expense to average assets | 4.4480% | 267 |
| Loan and lease loss provision to assets | 0.1296% | 2,724 |
| Net operating income to assets | 0.9141% | 2,639 |
| Return on assets (ROA) | 0.9141% | 2,761 |
| Pretax return on assets | 1.2253% | 2,271 |
| Return on Equity (ROE) | 7.9718% | 2,757 |
| Retained earnings to average equity (ytd only) | 7.9718% | 1,315 |
| Net charge-offs to loans | 0.0147% | 2,453 |
| Credit loss provision to net charge-offs | 1,122.7273% | 731 |
| Earnings coverage of net charge-offs (x) | 117.3409% | 634 |
| Efficiency ratio | 76.6507% | 1,199 |
| Assets per employee ($millions) | 3.5104% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8332% | 4,247 |
| Loan loss allowance to noncurrent loans | 1,692.6154% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 4,349 |
| Noncurrent loans to loans | 0.0492% | 4,284 |
| Net loans and leases to total assets | 77.3945% | 937 |
| Net loans and leases to deposits | 88.2966% | 1,523 |
| Net loans and leases to core deposits | 89.9436% | 2,078 |
| Total domestic deposits to total assets | 87.6530% | 1,349 |
| Equity capital to assets | 10.5381% | 2,720 |
| Core capital (leverage) ratio | 10.8242% | 2,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $762,096,333 | 1,069 |
| Average earning assets | $705,169,333 | 1,066 |
| Average equity | $87,383,333 | 1,059 |
| Average total loans | $600,155,000 | 958 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3166% | 534 |
| Cost of funding earning assets | 0.3300% | 4,572 |
| Net interest margin | 4.9867% | 200 |
| Noninterest income to average assets | 1.3531% | 490 |
| Noninterest expense to average assets | 4.4547% | 317 |
| Loan and lease loss provision to assets | 0.0961% | 2,486 |
| Net operating income to assets | 1.0465% | 2,017 |
| Return on assets (ROA) | 1.0465% | 2,116 |
| Pretax return on assets | 1.4025% | 1,557 |
| Return on Equity (ROE) | 8.7123% | 2,228 |
| Retained earnings to average equity (ytd only) | 8.7123% | 1,046 |
| Net charge-offs to loans | 0.0161% | 2,049 |
| Credit loss provision to net charge-offs | 752.1739% | 686 |
| Earnings coverage of net charge-offs (x) | 117.3043% | 518 |
| Efficiency ratio | 74.8274% | 1,707 |
| Assets per employee ($millions) | 2.9263% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 4,060 |
| Loan loss allowance to noncurrent loans | 1,004.0541% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 4,249 |
| Noncurrent loans to loans | 0.0911% | 4,148 |
| Net loans and leases to total assets | 76.6966% | 1,184 |
| Net loans and leases to deposits | 89.2539% | 1,603 |
| Net loans and leases to core deposits | 91.0913% | 2,239 |
| Total domestic deposits to total assets | 85.9308% | 2,027 |
| Equity capital to assets | 11.9215% | 2,129 |
| Core capital (leverage) ratio | 12.0688% | 1,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3032% | 1,526 |
| Memoranda: | ||
| Average total assets | $720,140,500 | 1,086 |
| Average earning assets | $664,333,000 | 1,085 |
| Average equity | $86,498,500 | 1,065 |
| Average total loans | $570,100,000 | 980 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3694% | 712 |
| Cost of funding earning assets | 0.3173% | 4,692 |
| Net interest margin | 5.0521% | 240 |
| Noninterest income to average assets | 1.5672% | 377 |
| Noninterest expense to average assets | 4.4998% | 307 |
| Loan and lease loss provision to assets | 0.0783% | 2,428 |
| Net operating income to assets | 1.2359% | 1,923 |
| Return on assets (ROA) | 1.2858% | 1,825 |
| Pretax return on assets | 1.7236% | 1,131 |
| Return on Equity (ROE) | 10.8375% | 1,952 |
| Retained earnings to average equity (ytd only) | 10.8375% | 355 |
| Net charge-offs to loans | 0.0060% | 3,466 |
| Credit loss provision to net charge-offs | 1,615.1515% | 226 |
| Earnings coverage of net charge-offs (x) | 358.5152% | 247 |
| Efficiency ratio | 72.1289% | 1,848 |
| Assets per employee ($millions) | 2.8690% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 4,038 |
| Loan loss allowance to noncurrent loans | 711.4085% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 4,123 |
| Noncurrent loans to loans | 0.1242% | 4,031 |
| Net loans and leases to total assets | 80.2815% | 746 |
| Net loans and leases to deposits | 93.2028% | 1,230 |
| Net loans and leases to core deposits | 95.2788% | 1,960 |
| Total domestic deposits to total assets | 86.1364% | 2,014 |
| Equity capital to assets | 12.1049% | 2,072 |
| Core capital (leverage) ratio | 11.9310% | 1,821 |
| Tier 1 risk-based capital ratio | 15.0513% | 2,764 |
| Total risk-based capital ratio | 15.9827% | 2,816 |
| Memoranda: | ||
| Average total assets | $680,437,600 | 1,098 |
| Average earning assets | $629,143,800 | 1,096 |
| Average equity | $80,728,600 | 1,082 |
| Average total loans | $552,737,400 | 976 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2971% | 868 |
| Cost of funding earning assets | 0.3113% | 4,769 |
| Net interest margin | 4.9858% | 298 |
| Noninterest income to average assets | 1.3922% | 468 |
| Noninterest expense to average assets | 4.2768% | 372 |
| Loan and lease loss provision to assets | 0.0775% | 2,354 |
| Net operating income to assets | 1.2273% | 2,103 |
| Return on assets (ROA) | 1.2945% | 1,969 |
| Pretax return on assets | 1.7352% | 1,234 |
| Return on Equity (ROE) | 10.9694% | 2,030 |
| Retained earnings to average equity (ytd only) | 10.9694% | 533 |
| Net charge-offs to loans | 0.0041% | 3,258 |
| Credit loss provision to net charge-offs | 2,305.8824% | 176 |
| Earnings coverage of net charge-offs (x) | 513.7353% | 192 |
| Efficiency ratio | 71.2267% | 1,936 |
| Assets per employee ($millions) | 2.8883% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8419% | 4,267 |
| Loan loss allowance to noncurrent loans | 919.0299% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 4,339 |
| Noncurrent loans to loans | 0.0916% | 4,240 |
| Net loans and leases to total assets | 82.3218% | 528 |
| Net loans and leases to deposits | 96.4872% | 959 |
| Net loans and leases to core deposits | 98.4898% | 1,785 |
| Total domestic deposits to total assets | 85.3189% | 2,289 |
| Equity capital to assets | 11.8058% | 2,414 |
| Core capital (leverage) ratio | 11.9760% | 1,866 |
| Tier 1 risk-based capital ratio | 14.6024% | 3,024 |
| Total risk-based capital ratio | 15.5153% | 3,093 |
| Memoranda: | ||
| Average total assets | $674,103,500 | 1,109 |
| Average earning assets | $623,594,000 | 1,106 |
| Average equity | $79,552,500 | 1,091 |
| Average total loans | $548,007,500 | 984 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1546% | 1,091 |
| Cost of funding earning assets | 0.3018% | 4,824 |
| Net interest margin | 4.8528% | 370 |
| Noninterest income to average assets | 1.3328% | 495 |
| Noninterest expense to average assets | 4.2311% | 394 |
| Loan and lease loss provision to assets | 0.0741% | 2,333 |
| Net operating income to assets | 1.1327% | 2,395 |
| Return on assets (ROA) | 1.1327% | 2,473 |
| Pretax return on assets | 1.5183% | 1,801 |
| Return on Equity (ROE) | 9.5996% | 2,587 |
| Retained earnings to average equity (ytd only) | 9.5996% | 881 |
| Net charge-offs to loans | -0.0015% | 3,921 |
| Credit loss provision to net charge-offs | -6,150.0000% | 4,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6553% | 1,819 |
| Assets per employee ($millions) | 2.8102% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8618% | 4,226 |
| Loan loss allowance to noncurrent loans | 941.3725% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 4,385 |
| Noncurrent loans to loans | 0.0915% | 4,272 |
| Net loans and leases to total assets | 81.5462% | 667 |
| Net loans and leases to deposits | 95.2083% | 1,126 |
| Net loans and leases to core deposits | 96.9043% | 1,988 |
| Total domestic deposits to total assets | 85.6502% | 2,199 |
| Equity capital to assets | 11.8721% | 2,287 |
| Core capital (leverage) ratio | 11.8161% | 1,936 |
| Tier 1 risk-based capital ratio | 15.0420% | 2,824 |
| Total risk-based capital ratio | 15.9882% | 2,875 |
| Memoranda: | ||
| Average total assets | $663,890,000 | 1,124 |
| Average earning assets | $614,368,000 | 1,119 |
| Average equity | $78,336,330 | 1,102 |
| Average total loans | $535,648,670 | 1,005 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9899% | 1,357 |
| Cost of funding earning assets | 0.2963% | 4,862 |
| Net interest margin | 4.6935% | 505 |
| Noninterest income to average assets | 1.2355% | 536 |
| Noninterest expense to average assets | 4.1430% | 440 |
| Loan and lease loss provision to assets | 0.0962% | 1,824 |
| Net operating income to assets | 0.9951% | 2,864 |
| Return on assets (ROA) | 0.9951% | 2,900 |
| Pretax return on assets | 1.3341% | 2,314 |
| Return on Equity (ROE) | 8.4603% | 3,060 |
| Retained earnings to average equity (ytd only) | 8.4603% | 1,506 |
| Net charge-offs to loans | 0.0251% | 1,947 |
| Credit loss provision to net charge-offs | 478.7879% | 628 |
| Earnings coverage of net charge-offs (x) | 71.2121% | 834 |
| Efficiency ratio | 74.3366% | 1,708 |
| Assets per employee ($millions) | 2.7749% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 4,242 |
| Loan loss allowance to noncurrent loans | 2,237.3206% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 4,685 |
| Noncurrent loans to loans | 0.0394% | 4,589 |
| Net loans and leases to total assets | 78.9809% | 992 |
| Net loans and leases to deposits | 91.1105% | 1,499 |
| Net loans and leases to core deposits | 92.8383% | 2,225 |
| Total domestic deposits to total assets | 86.6870% | 1,967 |
| Equity capital to assets | 11.7350% | 2,198 |
| Core capital (leverage) ratio | 11.7722% | 1,924 |
| Tier 1 risk-based capital ratio | 15.4210% | 2,690 |
| Total risk-based capital ratio | 16.3903% | 2,733 |
| Memoranda: | ||
| Average total assets | $657,209,000 | 1,140 |
| Average earning assets | $607,390,000 | 1,132 |
| Average equity | $77,302,500 | 1,107 |
| Average total loans | $524,936,000 | 1,027 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8290% | 1,473 |
| Cost of funding earning assets | 0.2692% | 4,713 |
| Net interest margin | 4.5598% | 674 |
| Noninterest income to average assets | 1.4510% | 430 |
| Noninterest expense to average assets | 4.2640% | 378 |
| Loan and lease loss provision to assets | 0.1272% | 1,725 |
| Net operating income to assets | 0.9895% | 3,055 |
| Return on assets (ROA) | 0.9895% | 3,056 |
| Pretax return on assets | 1.2793% | 2,581 |
| Return on Equity (ROE) | 8.5882% | 3,183 |
| Retained earnings to average equity (ytd only) | 8.5882% | 1,015 |
| Net charge-offs to loans | 0.0827% | 1,955 |
| Credit loss provision to net charge-offs | 197.5610% | 1,463 |
| Earnings coverage of net charge-offs (x) | 21.8415% | 1,929 |
| Efficiency ratio | 75.1960% | 1,467 |
| Assets per employee ($millions) | 2.6253% | 5,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 4,265 |
| Loan loss allowance to noncurrent loans | 507.9241% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 4,061 |
| Noncurrent loans to loans | 0.1726% | 3,976 |
| Net loans and leases to total assets | 79.3673% | 1,041 |
| Net loans and leases to deposits | 92.2194% | 1,517 |
| Net loans and leases to core deposits | 94.1305% | 2,216 |
| Total domestic deposits to total assets | 86.0636% | 2,197 |
| Equity capital to assets | 11.7902% | 2,038 |
| Core capital (leverage) ratio | 11.6065% | 2,021 |
| Tier 1 risk-based capital ratio | 15.3744% | 2,674 |
| Total risk-based capital ratio | 16.3360% | 2,726 |
| Memoranda: | ||
| Average total assets | $636,675,000 | 1,148 |
| Average earning assets | $589,164,400 | 1,136 |
| Average equity | $73,356,400 | 1,111 |
| Average total loans | $495,546,000 | 1,059 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 1,523 |
| Cost of funding earning assets | 0.2695% | 4,677 |
| Net interest margin | 4.4896% | 759 |
| Noninterest income to average assets | 1.4452% | 452 |
| Noninterest expense to average assets | 4.2029% | 396 |
| Loan and lease loss provision to assets | 0.0983% | 2,025 |
| Net operating income to assets | 1.0181% | 3,011 |
| Return on assets (ROA) | 1.0181% | 3,024 |
| Pretax return on assets | 1.3015% | 2,621 |
| Return on Equity (ROE) | 8.8890% | 3,136 |
| Retained earnings to average equity (ytd only) | 8.8890% | 1,265 |
| Net charge-offs to loans | 0.0455% | 2,186 |
| Credit loss provision to net charge-offs | 279.6407% | 1,078 |
| Earnings coverage of net charge-offs (x) | 39.8385% | 1,363 |
| Efficiency ratio | 75.0169% | 1,462 |
| Assets per employee ($millions) | 2.7040% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 4,362 |
| Loan loss allowance to noncurrent loans | 173.0560% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.4060% | 3,063 |
| Noncurrent loans to loans | 0.5052% | 2,872 |
| Net loans and leases to total assets | 77.7647% | 1,379 |
| Net loans and leases to deposits | 89.6645% | 1,945 |
| Net loans and leases to core deposits | 91.5816% | 2,520 |
| Total domestic deposits to total assets | 86.7285% | 1,858 |
| Equity capital to assets | 11.5358% | 2,239 |
| Core capital (leverage) ratio | 11.4830% | 2,181 |
| Tier 1 risk-based capital ratio | 15.4750% | 2,661 |
| Total risk-based capital ratio | 16.4411% | 2,718 |
| Memoranda: | ||
| Average total assets | $633,732,000 | 1,153 |
| Average earning assets | $586,847,250 | 1,141 |
| Average equity | $72,582,250 | 1,123 |
| Average total loans | $489,631,000 | 1,071 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6783% | 1,558 |
| Cost of funding earning assets | 0.2712% | 4,627 |
| Net interest margin | 4.4071% | 837 |
| Noninterest income to average assets | 1.4494% | 453 |
| Noninterest expense to average assets | 4.1457% | 449 |
| Loan and lease loss provision to assets | 0.0907% | 2,112 |
| Net operating income to assets | 1.0387% | 2,857 |
| Return on assets (ROA) | 1.0387% | 2,859 |
| Pretax return on assets | 1.2971% | 2,526 |
| Return on Equity (ROE) | 9.0919% | 2,974 |
| Retained earnings to average equity (ytd only) | 9.0919% | 1,184 |
| Net charge-offs to loans | 0.0352% | 2,147 |
| Credit loss provision to net charge-offs | 335.2941% | 930 |
| Earnings coverage of net charge-offs (x) | 51.3176% | 1,109 |
| Efficiency ratio | 74.9209% | 1,576 |
| Assets per employee ($millions) | 2.7104% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 4,434 |
| Loan loss allowance to noncurrent loans | 323.7351% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 3,948 |
| Noncurrent loans to loans | 0.2711% | 3,743 |
| Net loans and leases to total assets | 77.1411% | 1,448 |
| Net loans and leases to deposits | 89.2861% | 1,939 |
| Net loans and leases to core deposits | 91.2816% | 2,460 |
| Total domestic deposits to total assets | 86.3976% | 2,097 |
| Equity capital to assets | 11.5118% | 2,190 |
| Core capital (leverage) ratio | 11.4128% | 2,149 |
| Tier 1 risk-based capital ratio | 15.5817% | 2,597 |
| Total risk-based capital ratio | 16.5527% | 2,658 |
| Memoranda: | ||
| Average total assets | $628,654,670 | 1,158 |
| Average earning assets | $582,561,000 | 1,151 |
| Average equity | $71,822,000 | 1,133 |
| Average total loans | $483,136,000 | 1,083 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5448% | 1,732 |
| Cost of funding earning assets | 0.2674% | 4,601 |
| Net interest margin | 4.2775% | 985 |
| Noninterest income to average assets | 1.3515% | 513 |
| Noninterest expense to average assets | 4.1562% | 437 |
| Loan and lease loss provision to assets | 0.1172% | 1,613 |
| Net operating income to assets | 0.9217% | 3,195 |
| Return on assets (ROA) | 0.9217% | 3,210 |
| Pretax return on assets | 1.0434% | 3,382 |
| Return on Equity (ROE) | 8.0989% | 3,334 |
| Retained earnings to average equity (ytd only) | 8.0989% | 1,801 |
| Net charge-offs to loans | 0.0696% | 1,419 |
| Credit loss provision to net charge-offs | 220.4819% | 980 |
| Earnings coverage of net charge-offs (x) | 21.8313% | 1,422 |
| Efficiency ratio | 78.1713% | 1,339 |
| Assets per employee ($millions) | 2.7212% | 5,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 4,501 |
| Loan loss allowance to noncurrent loans | 491.4451% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 4,406 |
| Noncurrent loans to loans | 0.1804% | 4,160 |
| Net loans and leases to total assets | 75.2691% | 1,659 |
| Net loans and leases to deposits | 86.8200% | 2,073 |
| Net loans and leases to core deposits | 88.5401% | 2,588 |
| Total domestic deposits to total assets | 86.6955% | 2,239 |
| Equity capital to assets | 11.3316% | 2,275 |
| Core capital (leverage) ratio | 11.3656% | 2,107 |
| Tier 1 risk-based capital ratio | 15.7412% | 2,577 |
| Total risk-based capital ratio | 16.7245% | 2,609 |
| Memoranda: | ||
| Average total assets | $624,509,000 | 1,179 |
| Average earning assets | $578,941,500 | 1,172 |
| Average equity | $71,071,000 | 1,151 |
| Average total loans | $476,855,000 | 1,104 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3658% | 2,128 |
| Cost of funding earning assets | 0.2693% | 4,402 |
| Net interest margin | 4.0966% | 1,455 |
| Noninterest income to average assets | 1.4470% | 507 |
| Noninterest expense to average assets | 4.1519% | 448 |
| Loan and lease loss provision to assets | 0.0327% | 3,613 |
| Net operating income to assets | 0.7146% | 3,540 |
| Return on assets (ROA) | 0.7101% | 3,612 |
| Pretax return on assets | 1.0520% | 3,374 |
| Return on Equity (ROE) | 6.3753% | 3,588 |
| Retained earnings to average equity (ytd only) | 6.3753% | 1,342 |
| Net charge-offs to loans | 0.0170% | 3,530 |
| Credit loss provision to net charge-offs | 259.7403% | 1,069 |
| Earnings coverage of net charge-offs (x) | 86.6753% | 720 |
| Efficiency ratio | 79.1873% | 1,200 |
| Assets per employee ($millions) | 2.7332% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 4,578 |
| Loan loss allowance to noncurrent loans | 394.2070% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 4,280 |
| Noncurrent loans to loans | 0.2220% | 4,019 |
| Net loans and leases to total assets | 76.1082% | 1,570 |
| Net loans and leases to deposits | 88.7850% | 1,924 |
| Net loans and leases to core deposits | 90.7075% | 2,487 |
| Total domestic deposits to total assets | 85.7220% | 2,566 |
| Equity capital to assets | 11.4301% | 2,253 |
| Core capital (leverage) ratio | 11.1908% | 2,163 |
| Tier 1 risk-based capital ratio | 15.6660% | 2,560 |
| Total risk-based capital ratio | 16.6416% | 2,603 |
| Memoranda: | ||
| Average total assets | $611,595,000 | 1,171 |
| Average earning assets | $566,740,800 | 1,167 |
| Average equity | $68,122,000 | 1,174 |
| Average total loans | $453,596,600 | 1,119 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2854% | 2,311 |
| Cost of funding earning assets | 0.2677% | 4,425 |
| Net interest margin | 4.0177% | 1,643 |
| Noninterest income to average assets | 1.4096% | 536 |
| Noninterest expense to average assets | 4.1525% | 427 |
| Loan and lease loss provision to assets | 0.0219% | 3,708 |
| Net operating income to assets | 0.6473% | 4,200 |
| Return on assets (ROA) | 0.6473% | 4,258 |
| Pretax return on assets | 0.9588% | 3,836 |
| Return on Equity (ROE) | 5.8506% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.8506% | 2,337 |
| Net charge-offs to loans | 0.0030% | 3,642 |
| Credit loss provision to net charge-offs | 1,000.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 448.8012% | 218 |
| Efficiency ratio | 80.8958% | 1,009 |
| Assets per employee ($millions) | 2.7098% | 5,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8862% | 4,620 |
| Loan loss allowance to noncurrent loans | 423.2271% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 4,490 |
| Noncurrent loans to loans | 0.2094% | 4,238 |
| Net loans and leases to total assets | 73.8983% | 1,931 |
| Net loans and leases to deposits | 85.4156% | 2,374 |
| Net loans and leases to core deposits | 87.2020% | 2,854 |
| Total domestic deposits to total assets | 86.5162% | 2,096 |
| Equity capital to assets | 11.0968% | 2,766 |
| Core capital (leverage) ratio | 11.0147% | 2,446 |
| Tier 1 risk-based capital ratio | 15.3527% | 2,771 |
| Total risk-based capital ratio | 16.3218% | 2,817 |
| Memoranda: | ||
| Average total assets | $610,066,000 | 1,186 |
| Average earning assets | $565,383,500 | 1,174 |
| Average equity | $67,501,250 | 1,189 |
| Average total loans | $448,425,750 | 1,137 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2212% | 2,393 |
| Cost of funding earning assets | 0.2680% | 4,388 |
| Net interest margin | 3.9532% | 1,763 |
| Noninterest income to average assets | 1.3872% | 557 |
| Noninterest expense to average assets | 4.2003% | 413 |
| Loan and lease loss provision to assets | 0.0165% | 3,625 |
| Net operating income to assets | 0.5623% | 4,458 |
| Return on assets (ROA) | 0.5623% | 4,510 |
| Pretax return on assets | 0.8331% | 4,152 |
| Return on Equity (ROE) | 5.0875% | 4,443 |
| Retained earnings to average equity (ytd only) | 5.0875% | 2,654 |
| Net charge-offs to loans | 0.0005% | 3,505 |
| Credit loss provision to net charge-offs | 5,000.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 2,573.0000% | 15 |
| Efficiency ratio | 83.1753% | 908 |
| Assets per employee ($millions) | 2.5640% | 5,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 4,630 |
| Loan loss allowance to noncurrent loans | 410.1610% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 4,529 |
| Noncurrent loans to loans | 0.2201% | 4,239 |
| Net loans and leases to total assets | 73.6444% | 1,938 |
| Net loans and leases to deposits | 84.9191% | 2,362 |
| Net loans and leases to core deposits | 86.7250% | 2,815 |
| Total domestic deposits to total assets | 86.7231% | 2,077 |
| Equity capital to assets | 11.1750% | 2,629 |
| Core capital (leverage) ratio | 11.0056% | 2,396 |
| Tier 1 risk-based capital ratio | 15.6854% | 2,625 |
| Total risk-based capital ratio | 16.6796% | 2,673 |
| Memoranda: | ||
| Average total assets | $605,673,670 | 1,198 |
| Average earning assets | $561,166,670 | 1,190 |
| Average equity | $66,948,330 | 1,197 |
| Average total loans | $443,006,330 | 1,157 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0769% | 2,742 |
| Cost of funding earning assets | 0.2656% | 4,401 |
| Net interest margin | 3.8113% | 2,079 |
| Noninterest income to average assets | 1.3058% | 599 |
| Noninterest expense to average assets | 4.2225% | 418 |
| Loan and lease loss provision to assets | 0.0165% | 3,358 |
| Net operating income to assets | 0.4042% | 4,932 |
| Return on assets (ROA) | 0.4042% | 4,958 |
| Pretax return on assets | 0.5987% | 4,737 |
| Return on Equity (ROE) | 3.6769% | 4,889 |
| Retained earnings to average equity (ytd only) | 3.6769% | 3,603 |
| Net charge-offs to loans | -0.0146% | 4,577 |
| Credit loss provision to net charge-offs | -156.2500% | 4,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2829% | 713 |
| Assets per employee ($millions) | 2.6552% | 5,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 4,684 |
| Loan loss allowance to noncurrent loans | 582.1173% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 4,820 |
| Noncurrent loans to loans | 0.1578% | 4,554 |
| Net loans and leases to total assets | 70.3565% | 2,312 |
| Net loans and leases to deposits | 80.6305% | 2,664 |
| Net loans and leases to core deposits | 82.3077% | 3,065 |
| Total domestic deposits to total assets | 87.2579% | 2,088 |
| Equity capital to assets | 10.7035% | 2,957 |
| Core capital (leverage) ratio | 10.8809% | 2,505 |
| Tier 1 risk-based capital ratio | 15.8785% | 2,598 |
| Total risk-based capital ratio | 16.9028% | 2,627 |
| Memoranda: | ||
| Average total assets | $604,671,500 | 1,201 |
| Average earning assets | $560,331,500 | 1,190 |
| Average equity | $66,468,500 | 1,202 |
| Average total loans | $438,710,500 | 1,161 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1936% | 2,509 |
| Cost of funding earning assets | 0.2886% | 4,185 |
| Net interest margin | 3.9050% | 1,949 |
| Noninterest income to average assets | 1.5639% | 496 |
| Noninterest expense to average assets | 4.2632% | 460 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6167% | 4,139 |
| Return on assets (ROA) | 0.6182% | 4,252 |
| Pretax return on assets | 0.9159% | 3,789 |
| Return on Equity (ROE) | 5.5930% | 4,161 |
| Retained earnings to average equity (ytd only) | 5.5930% | 1,953 |
| Net charge-offs to loans | -0.0122% | 4,992 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3500% | 1,167 |
| Assets per employee ($millions) | 2.5341% | 5,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 4,638 |
| Loan loss allowance to noncurrent loans | 252.3010% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 4,149 |
| Noncurrent loans to loans | 0.3702% | 3,796 |
| Net loans and leases to total assets | 73.5073% | 1,931 |
| Net loans and leases to deposits | 84.9037% | 2,318 |
| Net loans and leases to core deposits | 86.6265% | 2,798 |
| Total domestic deposits to total assets | 86.5773% | 2,343 |
| Equity capital to assets | 11.3005% | 2,326 |
| Core capital (leverage) ratio | 10.9762% | 2,364 |
| Tier 1 risk-based capital ratio | 16.2457% | 2,452 |
| Total risk-based capital ratio | 17.2978% | 2,464 |
| Memoranda: | ||
| Average total assets | $582,456,000 | 1,199 |
| Average earning assets | $538,893,200 | 1,192 |
| Average equity | $64,384,200 | 1,217 |
| Average total loans | $425,994,600 | 1,151 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1503% | 2,683 |
| Cost of funding earning assets | 0.2907% | 4,202 |
| Net interest margin | 3.8596% | 2,117 |
| Noninterest income to average assets | 1.4747% | 551 |
| Noninterest expense to average assets | 4.1290% | 514 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6198% | 4,214 |
| Return on assets (ROA) | 0.6218% | 4,327 |
| Pretax return on assets | 0.9211% | 3,908 |
| Return on Equity (ROE) | 5.6570% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.6570% | 2,393 |
| Net charge-offs to loans | -0.0236% | 5,070 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8083% | 1,217 |
| Assets per employee ($millions) | 2.5956% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 4,697 |
| Loan loss allowance to noncurrent loans | 464.3757% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 4,814 |
| Noncurrent loans to loans | 0.2029% | 4,543 |
| Net loans and leases to total assets | 72.6424% | 2,077 |
| Net loans and leases to deposits | 83.8833% | 2,498 |
| Net loans and leases to core deposits | 85.5834% | 2,984 |
| Total domestic deposits to total assets | 86.5993% | 2,086 |
| Equity capital to assets | 11.1488% | 2,858 |
| Core capital (leverage) ratio | 10.8993% | 2,567 |
| Tier 1 risk-based capital ratio | 16.3204% | 2,484 |
| Total risk-based capital ratio | 17.3906% | 2,520 |
| Memoranda: | ||
| Average total assets | $581,727,000 | 1,207 |
| Average earning assets | $538,449,750 | 1,196 |
| Average equity | $63,942,750 | 1,236 |
| Average total loans | $423,906,250 | 1,151 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 2,936 |
| Cost of funding earning assets | 0.2936% | 4,205 |
| Net interest margin | 3.7878% | 2,375 |
| Noninterest income to average assets | 1.3918% | 597 |
| Noninterest expense to average assets | 4.0965% | 536 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5400% | 4,521 |
| Return on assets (ROA) | 0.5430% | 4,618 |
| Pretax return on assets | 0.8043% | 4,266 |
| Return on Equity (ROE) | 4.9640% | 4,533 |
| Retained earnings to average equity (ytd only) | 4.9640% | 2,761 |
| Net charge-offs to loans | -0.0152% | 4,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6643% | 1,081 |
| Assets per employee ($millions) | 2.4705% | 5,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 4,851 |
| Loan loss allowance to noncurrent loans | 646.1415% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 5,060 |
| Noncurrent loans to loans | 0.1439% | 4,859 |
| Net loans and leases to total assets | 73.1469% | 1,995 |
| Net loans and leases to deposits | 84.2996% | 2,430 |
| Net loans and leases to core deposits | 85.8789% | 2,913 |
| Total domestic deposits to total assets | 86.7701% | 2,027 |
| Equity capital to assets | 10.9768% | 3,085 |
| Core capital (leverage) ratio | 10.7032% | 2,736 |
| Tier 1 risk-based capital ratio | 16.0593% | 2,616 |
| Total risk-based capital ratio | 17.1204% | 2,641 |
| Memoranda: | ||
| Average total assets | $580,098,670 | 1,212 |
| Average earning assets | $536,717,670 | 1,207 |
| Average equity | $63,457,000 | 1,246 |
| Average total loans | $421,814,000 | 1,156 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0304% | 3,107 |
| Cost of funding earning assets | 0.2942% | 4,225 |
| Net interest margin | 3.7363% | 2,535 |
| Noninterest income to average assets | 1.4458% | 539 |
| Noninterest expense to average assets | 4.0271% | 583 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5863% | 4,240 |
| Return on assets (ROA) | 0.5895% | 4,347 |
| Pretax return on assets | 0.8729% | 3,962 |
| Return on Equity (ROE) | 5.3989% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.3989% | 2,712 |
| Net charge-offs to loans | -0.0432% | 5,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2672% | 1,350 |
| Assets per employee ($millions) | 2.7139% | 5,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 4,813 |
| Loan loss allowance to noncurrent loans | 584.4928% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 4,935 |
| Noncurrent loans to loans | 0.1639% | 4,839 |
| Net loans and leases to total assets | 71.7805% | 2,076 |
| Net loans and leases to deposits | 82.6596% | 2,472 |
| Net loans and leases to core deposits | 84.1590% | 2,924 |
| Total domestic deposits to total assets | 86.8386% | 2,282 |
| Equity capital to assets | 10.9350% | 3,017 |
| Core capital (leverage) ratio | 10.7380% | 2,683 |
| Tier 1 risk-based capital ratio | 16.1960% | 2,587 |
| Total risk-based capital ratio | 17.2821% | 2,617 |
| Memoranda: | ||
| Average total assets | $577,390,500 | 1,214 |
| Average earning assets | $533,046,500 | 1,215 |
| Average equity | $63,050,000 | 1,242 |
| Average total loans | $416,568,500 | 1,165 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9506% | 3,524 |
| Cost of funding earning assets | 0.3161% | 4,075 |
| Net interest margin | 3.6345% | 2,999 |
| Noninterest income to average assets | 1.4100% | 609 |
| Noninterest expense to average assets | 4.0885% | 607 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4566% | 4,861 |
| Return on assets (ROA) | 0.4619% | 4,915 |
| Pretax return on assets | 0.6845% | 4,572 |
| Return on Equity (ROE) | 4.2825% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.2825% | 2,926 |
| Net charge-offs to loans | 0.0402% | 3,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 23.8634% | 1,704 |
| Efficiency ratio | 85.8014% | 1,007 |
| Assets per employee ($millions) | 2.6574% | 5,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 4,755 |
| Loan loss allowance to noncurrent loans | 422.9145% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 4,864 |
| Noncurrent loans to loans | 0.2297% | 4,602 |
| Net loans and leases to total assets | 71.1170% | 2,181 |
| Net loans and leases to deposits | 81.9602% | 2,589 |
| Net loans and leases to core deposits | 83.1030% | 3,038 |
| Total domestic deposits to total assets | 86.7702% | 2,245 |
| Equity capital to assets | 10.9044% | 2,929 |
| Core capital (leverage) ratio | 10.6626% | 2,753 |
| Tier 1 risk-based capital ratio | 16.3687% | 2,540 |
| Total risk-based capital ratio | 17.4712% | 2,555 |
| Memoranda: | ||
| Average total assets | $567,859,800 | 1,206 |
| Average earning assets | $524,195,600 | 1,207 |
| Average equity | $61,249,800 | 1,234 |
| Average total loans | $400,530,000 | 1,153 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9235% | 3,668 |
| Cost of funding earning assets | 0.3190% | 4,117 |
| Net interest margin | 3.6045% | 3,143 |
| Noninterest income to average assets | 1.3721% | 654 |
| Noninterest expense to average assets | 4.0289% | 644 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4552% | 4,954 |
| Return on assets (ROA) | 0.4624% | 5,022 |
| Pretax return on assets | 0.6849% | 4,733 |
| Return on Equity (ROE) | 4.2988% | 4,913 |
| Retained earnings to average equity (ytd only) | 4.2988% | 3,408 |
| Net charge-offs to loans | 0.0533% | 2,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 18.0130% | 2,023 |
| Efficiency ratio | 85.6635% | 1,024 |
| Assets per employee ($millions) | 2.6387% | 5,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 4,740 |
| Loan loss allowance to noncurrent loans | 431.0924% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 4,983 |
| Noncurrent loans to loans | 0.2322% | 4,735 |
| Net loans and leases to total assets | 71.5413% | 2,134 |
| Net loans and leases to deposits | 82.4779% | 2,589 |
| Net loans and leases to core deposits | 84.3436% | 3,006 |
| Total domestic deposits to total assets | 86.7399% | 2,166 |
| Equity capital to assets | 10.9253% | 3,102 |
| Core capital (leverage) ratio | 10.4361% | 3,123 |
| Tier 1 risk-based capital ratio | 16.2105% | 2,706 |
| Total risk-based capital ratio | 17.3401% | 2,713 |
| Memoranda: | ||
| Average total assets | $566,323,500 | 1,211 |
| Average earning assets | $523,366,000 | 1,210 |
| Average equity | $60,914,250 | 1,250 |
| Average total loans | $397,607,500 | 1,165 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8266% | 3,968 |
| Cost of funding earning assets | 0.3204% | 4,152 |
| Net interest margin | 3.5062% | 3,470 |
| Noninterest income to average assets | 1.2905% | 735 |
| Noninterest expense to average assets | 3.9616% | 707 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3816% | 5,199 |
| Return on assets (ROA) | 0.3838% | 5,303 |
| Pretax return on assets | 0.5686% | 5,052 |
| Return on Equity (ROE) | 3.5866% | 5,183 |
| Retained earnings to average equity (ytd only) | 3.5866% | 3,744 |
| Net charge-offs to loans | 0.0615% | 2,502 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.2231% | 2,148 |
| Efficiency ratio | 87.5107% | 938 |
| Assets per employee ($millions) | 2.7455% | 5,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 4,712 |
| Loan loss allowance to noncurrent loans | 367.1986% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 4,993 |
| Noncurrent loans to loans | 0.2806% | 4,669 |
| Net loans and leases to total assets | 69.0021% | 2,483 |
| Net loans and leases to deposits | 79.2106% | 2,882 |
| Net loans and leases to core deposits | 80.7991% | 3,295 |
| Total domestic deposits to total assets | 87.1122% | 2,106 |
| Equity capital to assets | 10.5964% | 3,326 |
| Core capital (leverage) ratio | 10.2940% | 3,219 |
| Tier 1 risk-based capital ratio | 16.9530% | 2,425 |
| Total risk-based capital ratio | 18.2172% | 2,371 |
| Memoranda: | ||
| Average total assets | $565,989,000 | 1,217 |
| Average earning assets | $522,451,670 | 1,219 |
| Average equity | $60,558,330 | 1,266 |
| Average total loans | $393,484,330 | 1,174 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7737% | 4,118 |
| Cost of funding earning assets | 0.3235% | 4,182 |
| Net interest margin | 3.4502% | 3,625 |
| Noninterest income to average assets | 1.2399% | 742 |
| Noninterest expense to average assets | 3.9785% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2981% | 5,427 |
| Return on assets (ROA) | 0.3025% | 5,506 |
| Pretax return on assets | 0.4480% | 5,326 |
| Return on Equity (ROE) | 2.8130% | 5,442 |
| Retained earnings to average equity (ytd only) | 2.8130% | 4,278 |
| Net charge-offs to loans | 0.0534% | 2,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 11.9038% | 1,829 |
| Efficiency ratio | 90.0097% | 845 |
| Assets per employee ($millions) | 2.7614% | 5,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 4,621 |
| Loan loss allowance to noncurrent loans | 326.6874% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 4,951 |
| Noncurrent loans to loans | 0.3301% | 4,611 |
| Net loans and leases to total assets | 67.2485% | 2,567 |
| Net loans and leases to deposits | 77.0773% | 2,936 |
| Net loans and leases to core deposits | 78.7493% | 3,301 |
| Total domestic deposits to total assets | 87.2482% | 2,240 |
| Equity capital to assets | 10.5365% | 3,494 |
| Core capital (leverage) ratio | 10.5083% | 2,952 |
| Tier 1 risk-based capital ratio | 17.1163% | 2,437 |
| Total risk-based capital ratio | 18.4036% | 2,382 |
| Memoranda: | ||
| Average total assets | $560,710,500 | 1,232 |
| Average earning assets | $516,841,500 | 1,234 |
| Average equity | $60,291,000 | 1,273 |
| Average total loans | $389,241,000 | 1,181 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8772% | 4,211 |
| Cost of funding earning assets | 0.3806% | 3,897 |
| Net interest margin | 3.4966% | 3,813 |
| Noninterest income to average assets | 1.4401% | 586 |
| Noninterest expense to average assets | 3.9315% | 824 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4882% | 4,854 |
| Return on assets (ROA) | 0.4890% | 4,940 |
| Pretax return on assets | 0.7244% | 4,532 |
| Return on Equity (ROE) | 4.4225% | 4,931 |
| Retained earnings to average equity (ytd only) | 4.4225% | 3,033 |
| Net charge-offs to loans | -0.1121% | 6,138 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4622% | 1,348 |
| Assets per employee ($millions) | 2.6948% | 6,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 4,545 |
| Loan loss allowance to noncurrent loans | 515.4776% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 5,169 |
| Noncurrent loans to loans | 0.2131% | 5,053 |
| Net loans and leases to total assets | 70.1494% | 2,216 |
| Net loans and leases to deposits | 80.6160% | 2,655 |
| Net loans and leases to core deposits | 82.4815% | 3,046 |
| Total domestic deposits to total assets | 87.0167% | 2,278 |
| Equity capital to assets | 10.9795% | 2,914 |
| Core capital (leverage) ratio | 10.6534% | 2,777 |
| Tier 1 risk-based capital ratio | 17.0794% | 2,481 |
| Total risk-based capital ratio | 18.4128% | 2,401 |
| Memoranda: | ||
| Average total assets | $530,660,400 | 1,266 |
| Average earning assets | $487,879,800 | 1,262 |
| Average equity | $58,677,000 | 1,244 |
| Average total loans | $377,436,200 | 1,171 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8718% | 4,275 |
| Cost of funding earning assets | 0.3894% | 3,907 |
| Net interest margin | 3.4824% | 3,894 |
| Noninterest income to average assets | 1.4529% | 596 |
| Noninterest expense to average assets | 3.9042% | 837 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5064% | 4,854 |
| Return on assets (ROA) | 0.5074% | 4,913 |
| Pretax return on assets | 0.7518% | 4,523 |
| Return on Equity (ROE) | 4.5807% | 4,919 |
| Retained earnings to average equity (ytd only) | 4.5807% | 3,381 |
| Net charge-offs to loans | -0.1078% | 6,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8810% | 1,400 |
| Assets per employee ($millions) | 2.6529% | 6,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 4,855 |
| Loan loss allowance to noncurrent loans | 384.3228% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 5,228 |
| Noncurrent loans to loans | 0.2799% | 5,072 |
| Net loans and leases to total assets | 71.1059% | 2,009 |
| Net loans and leases to deposits | 82.2645% | 2,393 |
| Net loans and leases to core deposits | 84.3291% | 2,843 |
| Total domestic deposits to total assets | 86.4357% | 2,621 |
| Equity capital to assets | 11.0906% | 2,869 |
| Core capital (leverage) ratio | 10.7650% | 2,734 |
| Tier 1 risk-based capital ratio | 16.9350% | 2,639 |
| Total risk-based capital ratio | 18.1938% | 2,586 |
| Memoranda: | ||
| Average total assets | $526,563,750 | 1,282 |
| Average earning assets | $484,103,250 | 1,278 |
| Average equity | $58,330,500 | 1,257 |
| Average total loans | $374,792,000 | 1,188 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8549% | 4,313 |
| Cost of funding earning assets | 0.3943% | 3,926 |
| Net interest margin | 3.4606% | 3,936 |
| Noninterest income to average assets | 1.4068% | 611 |
| Noninterest expense to average assets | 3.9262% | 831 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4478% | 5,028 |
| Return on assets (ROA) | 0.4493% | 5,095 |
| Pretax return on assets | 0.6656% | 4,750 |
| Return on Equity (ROE) | 4.0578% | 5,118 |
| Retained earnings to average equity (ytd only) | 4.0578% | 3,592 |
| Net charge-offs to loans | -0.0124% | 5,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5478% | 1,315 |
| Assets per employee ($millions) | 2.6087% | 6,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 5,254 |
| Loan loss allowance to noncurrent loans | 295.1108% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 5,209 |
| Noncurrent loans to loans | 0.3465% | 4,967 |
| Net loans and leases to total assets | 70.6043% | 1,983 |
| Net loans and leases to deposits | 81.7371% | 2,278 |
| Net loans and leases to core deposits | 83.8453% | 2,755 |
| Total domestic deposits to total assets | 86.3797% | 2,832 |
| Equity capital to assets | 11.0699% | 2,814 |
| Core capital (leverage) ratio | 10.7296% | 2,683 |
| Tier 1 risk-based capital ratio | 17.4313% | 2,449 |
| Total risk-based capital ratio | 18.6661% | 2,418 |
| Memoranda: | ||
| Average total assets | $523,456,670 | 1,281 |
| Average earning assets | $481,413,000 | 1,279 |
| Average equity | $57,963,000 | 1,261 |
| Average total loans | $371,326,330 | 1,189 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7976% | 4,493 |
| Cost of funding earning assets | 0.3971% | 4,008 |
| Net interest margin | 3.4005% | 4,113 |
| Noninterest income to average assets | 1.3613% | 624 |
| Noninterest expense to average assets | 3.9600% | 796 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3605% | 5,273 |
| Return on assets (ROA) | 0.3605% | 5,336 |
| Pretax return on assets | 0.5342% | 5,066 |
| Return on Equity (ROE) | 3.2551% | 5,362 |
| Retained earnings to average equity (ytd only) | 3.2551% | 4,167 |
| Net charge-offs to loans | 0.0337% | 2,921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 22.4194% | 1,253 |
| Efficiency ratio | 88.1136% | 1,217 |
| Assets per employee ($millions) | 2.7862% | 6,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 5,397 |
| Loan loss allowance to noncurrent loans | 887.8788% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 5,882 |
| Noncurrent loans to loans | 0.1163% | 5,779 |
| Net loans and leases to total assets | 68.2619% | 2,184 |
| Net loans and leases to deposits | 78.9264% | 2,433 |
| Net loans and leases to core deposits | 80.9170% | 2,862 |
| Total domestic deposits to total assets | 86.4881% | 3,113 |
| Equity capital to assets | 10.8190% | 2,915 |
| Core capital (leverage) ratio | 10.4894% | 2,948 |
| Tier 1 risk-based capital ratio | 17.6514% | 2,433 |
| Total risk-based capital ratio | 18.9021% | 2,396 |
| Memoranda: | ||
| Average total assets | $520,403,500 | 1,294 |
| Average earning assets | $479,461,500 | 1,291 |
| Average equity | $57,633,500 | 1,259 |
| Average total loans | $368,111,000 | 1,201 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 4,103 |
| Cost of funding earning assets | 0.5061% | 3,541 |
| Net interest margin | 3.4874% | 3,955 |
| Noninterest income to average assets | 1.6014% | 559 |
| Noninterest expense to average assets | 3.8732% | 1,029 |
| Loan and lease loss provision to assets | 0.0654% | 3,819 |
| Net operating income to assets | 0.5897% | 4,311 |
| Return on assets (ROA) | 0.5914% | 4,416 |
| Pretax return on assets | 0.8762% | 3,866 |
| Return on Equity (ROE) | 5.3671% | 4,460 |
| Retained earnings to average equity (ytd only) | 5.3671% | 2,373 |
| Net charge-offs to loans | -0.0362% | 6,261 |
| Credit loss provision to net charge-offs | -253.4351% | 6,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4862% | 2,078 |
| Assets per employee ($millions) | 2.5293% | 6,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 5,360 |
| Loan loss allowance to noncurrent loans | 470.7108% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 5,652 |
| Noncurrent loans to loans | 0.2222% | 5,523 |
| Net loans and leases to total assets | 71.8395% | 1,710 |
| Net loans and leases to deposits | 83.3704% | 2,014 |
| Net loans and leases to core deposits | 85.5715% | 2,498 |
| Total domestic deposits to total assets | 86.1690% | 3,169 |
| Equity capital to assets | 11.3453% | 2,297 |
| Core capital (leverage) ratio | 10.9999% | 2,386 |
| Tier 1 risk-based capital ratio | 17.5001% | 2,415 |
| Total risk-based capital ratio | 18.7321% | 2,400 |
| Memoranda: | ||
| Average total assets | $507,742,000 | 1,309 |
| Average earning assets | $467,482,600 | 1,304 |
| Average equity | $55,951,600 | 1,275 |
| Average total loans | $362,017,000 | 1,180 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0085% | 4,094 |
| Cost of funding earning assets | 0.5264% | 3,504 |
| Net interest margin | 3.4821% | 3,957 |
| Noninterest income to average assets | 1.5502% | 611 |
| Noninterest expense to average assets | 3.8434% | 1,033 |
| Loan and lease loss provision to assets | -0.0021% | 6,448 |
| Net operating income to assets | 0.6182% | 4,262 |
| Return on assets (ROA) | 0.6205% | 4,385 |
| Pretax return on assets | 0.9193% | 3,794 |
| Return on Equity (ROE) | 5.6722% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.6722% | 2,621 |
| Net charge-offs to loans | 0.0122% | 4,898 |
| Credit loss provision to net charge-offs | -24.2424% | 5,648 |
| Earnings coverage of net charge-offs (x) | 105.5427% | 475 |
| Efficiency ratio | 80.7919% | 2,000 |
| Assets per employee ($millions) | 2.5635% | 6,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 6,026 |
| Loan loss allowance to noncurrent loans | 267.9518% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 5,544 |
| Noncurrent loans to loans | 0.3405% | 5,367 |
| Net loans and leases to total assets | 70.6566% | 1,843 |
| Net loans and leases to deposits | 82.0651% | 2,129 |
| Net loans and leases to core deposits | 84.5584% | 2,590 |
| Total domestic deposits to total assets | 86.0983% | 3,197 |
| Equity capital to assets | 11.0622% | 2,708 |
| Core capital (leverage) ratio | 10.7299% | 2,754 |
| Tier 1 risk-based capital ratio | 17.7183% | 2,433 |
| Total risk-based capital ratio | 18.8073% | 2,458 |
| Memoranda: | ||
| Average total assets | $508,213,250 | 1,315 |
| Average earning assets | $468,057,750 | 1,311 |
| Average equity | $55,591,750 | 1,292 |
| Average total loans | $360,709,750 | 1,189 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0364% | 3,980 |
| Cost of funding earning assets | 0.5474% | 3,448 |
| Net interest margin | 3.4889% | 3,823 |
| Noninterest income to average assets | 1.4904% | 707 |
| Noninterest expense to average assets | 3.8664% | 1,018 |
| Loan and lease loss provision to assets | -0.0229% | 6,599 |
| Net operating income to assets | 0.5814% | 4,394 |
| Return on assets (ROA) | 0.5814% | 4,569 |
| Pretax return on assets | 0.8616% | 4,059 |
| Return on Equity (ROE) | 5.3353% | 4,548 |
| Retained earnings to average equity (ytd only) | 5.3353% | 2,848 |
| Net charge-offs to loans | -0.0880% | 6,467 |
| Credit loss provision to net charge-offs | 36.7089% | 3,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1743% | 1,864 |
| Assets per employee ($millions) | 2.6017% | 6,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 5,974 |
| Loan loss allowance to noncurrent loans | 988.0682% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 5,979 |
| Noncurrent loans to loans | 0.0967% | 6,108 |
| Net loans and leases to total assets | 71.4527% | 1,655 |
| Net loans and leases to deposits | 83.4194% | 1,877 |
| Net loans and leases to core deposits | 86.2158% | 2,312 |
| Total domestic deposits to total assets | 85.6547% | 3,554 |
| Equity capital to assets | 11.0599% | 2,697 |
| Core capital (leverage) ratio | 10.7396% | 2,628 |
| Tier 1 risk-based capital ratio | 17.6304% | 2,464 |
| Total risk-based capital ratio | 18.7616% | 2,481 |
| Memoranda: | ||
| Average total assets | $506,720,670 | 1,316 |
| Average earning assets | $466,905,000 | 1,308 |
| Average equity | $55,217,330 | 1,305 |
| Average total loans | $359,084,330 | 1,187 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0496% | 3,922 |
| Cost of funding earning assets | 0.5621% | 3,460 |
| Net interest margin | 3.4875% | 3,755 |
| Noninterest income to average assets | 1.5678% | 628 |
| Noninterest expense to average assets | 3.8604% | 1,047 |
| Loan and lease loss provision to assets | -0.0457% | 6,784 |
| Net operating income to assets | 0.6476% | 3,973 |
| Return on assets (ROA) | 0.6476% | 4,134 |
| Pretax return on assets | 0.9596% | 3,527 |
| Return on Equity (ROE) | 5.9874% | 4,055 |
| Retained earnings to average equity (ytd only) | 5.9874% | 2,681 |
| Net charge-offs to loans | -0.2087% | 6,688 |
| Credit loss provision to net charge-offs | 31.1828% | 2,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8581% | 2,200 |
| Assets per employee ($millions) | 2.6349% | 6,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 6,050 |
| Loan loss allowance to noncurrent loans | 495.0565% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 5,645 |
| Noncurrent loans to loans | 0.1982% | 5,906 |
| Net loans and leases to total assets | 69.5505% | 1,745 |
| Net loans and leases to deposits | 81.1961% | 1,936 |
| Net loans and leases to core deposits | 83.6685% | 2,360 |
| Total domestic deposits to total assets | 85.6574% | 3,704 |
| Equity capital to assets | 10.8743% | 3,106 |
| Core capital (leverage) ratio | 10.5451% | 2,712 |
| Tier 1 risk-based capital ratio | 17.8343% | 2,435 |
| Total risk-based capital ratio | 19.0000% | 2,429 |
| Memoranda: | ||
| Average total assets | $507,719,500 | 1,329 |
| Average earning assets | $466,811,500 | 1,318 |
| Average equity | $54,915,000 | 1,326 |
| Average total loans | $356,568,500 | 1,196 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4990% | 3,394 |
| Cost of funding earning assets | 0.7155% | 3,362 |
| Net interest margin | 3.7835% | 3,299 |
| Noninterest income to average assets | 1.4232% | 775 |
| Noninterest expense to average assets | 3.8417% | 1,185 |
| Loan and lease loss provision to assets | 0.1637% | 3,567 |
| Net operating income to assets | 0.6085% | 4,198 |
| Return on assets (ROA) | 0.6085% | 4,463 |
| Pretax return on assets | 0.9014% | 3,913 |
| Return on Equity (ROE) | 5.6025% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.6025% | 2,314 |
| Net charge-offs to loans | 0.1203% | 4,486 |
| Credit loss provision to net charge-offs | 187.7934% | 1,390 |
| Earnings coverage of net charge-offs (x) | 12.2207% | 1,951 |
| Efficiency ratio | 78.2930% | 2,396 |
| Assets per employee ($millions) | 2.5345% | 6,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 6,130 |
| Loan loss allowance to noncurrent loans | 192.2026% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4656% | 5,311 |
| Noncurrent loans to loans | 0.4936% | 5,298 |
| Net loans and leases to total assets | 69.5529% | 1,931 |
| Net loans and leases to deposits | 80.6773% | 2,191 |
| Net loans and leases to core deposits | 83.1679% | 2,650 |
| Total domestic deposits to total assets | 86.2113% | 3,248 |
| Equity capital to assets | 10.7576% | 3,215 |
| Core capital (leverage) ratio | 10.4171% | 2,862 |
| Tier 1 risk-based capital ratio | 17.4592% | 2,466 |
| Total risk-based capital ratio | 18.7047% | 2,442 |
| Memoranda: | ||
| Average total assets | $488,771,800 | 1,362 |
| Average earning assets | $450,029,000 | 1,352 |
| Average equity | $53,083,800 | 1,341 |
| Average total loans | $354,114,600 | 1,181 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 3,324 |
| Cost of funding earning assets | 0.7490% | 3,362 |
| Net interest margin | 3.8233% | 3,233 |
| Noninterest income to average assets | 1.3673% | 797 |
| Noninterest expense to average assets | 3.8366% | 1,147 |
| Loan and lease loss provision to assets | 0.1652% | 3,458 |
| Net operating income to assets | 0.5961% | 4,414 |
| Return on assets (ROA) | 0.5961% | 4,675 |
| Pretax return on assets | 0.8932% | 4,130 |
| Return on Equity (ROE) | 5.4751% | 4,613 |
| Retained earnings to average equity (ytd only) | 5.4751% | 3,054 |
| Net charge-offs to loans | 0.1602% | 3,832 |
| Credit loss provision to net charge-offs | 141.1765% | 2,042 |
| Earnings coverage of net charge-offs (x) | 9.0448% | 2,372 |
| Efficiency ratio | 78.3778% | 2,344 |
| Assets per employee ($millions) | 2.4862% | 6,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 6,446 |
| Loan loss allowance to noncurrent loans | 118.5379% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.6730% | 5,001 |
| Noncurrent loans to loans | 0.7379% | 4,945 |
| Net loans and leases to total assets | 74.6663% | 1,152 |
| Net loans and leases to deposits | 87.9672% | 1,356 |
| Net loans and leases to core deposits | 89.8658% | 2,000 |
| Total domestic deposits to total assets | 84.8796% | 3,799 |
| Equity capital to assets | 11.1432% | 3,105 |
| Core capital (leverage) ratio | 10.7860% | 2,622 |
| Tier 1 risk-based capital ratio | 16.8527% | 2,804 |
| Total risk-based capital ratio | 18.0221% | 2,815 |
| Memoranda: | ||
| Average total assets | $484,240,000 | 1,390 |
| Average earning assets | $446,794,000 | 1,377 |
| Average equity | $52,722,250 | 1,362 |
| Average total loans | $353,658,250 | 1,186 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6379% | 3,198 |
| Cost of funding earning assets | 0.7793% | 3,372 |
| Net interest margin | 3.8586% | 3,096 |
| Noninterest income to average assets | 1.3278% | 805 |
| Noninterest expense to average assets | 3.7729% | 1,260 |
| Loan and lease loss provision to assets | 0.1720% | 3,383 |
| Net operating income to assets | 0.6233% | 4,260 |
| Return on assets (ROA) | 0.6233% | 4,508 |
| Pretax return on assets | 0.9384% | 3,928 |
| Return on Equity (ROE) | 5.7693% | 4,440 |
| Retained earnings to average equity (ytd only) | 5.7693% | 2,843 |
| Net charge-offs to loans | 0.1997% | 3,383 |
| Credit loss provision to net charge-offs | 119.1429% | 2,307 |
| Earnings coverage of net charge-offs (x) | 7.6914% | 2,436 |
| Efficiency ratio | 77.2616% | 2,556 |
| Assets per employee ($millions) | 2.5626% | 6,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8617% | 6,545 |
| Loan loss allowance to noncurrent loans | 136.9924% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5285% | 5,438 |
| Noncurrent loans to loans | 0.6290% | 5,248 |
| Net loans and leases to total assets | 73.3133% | 1,349 |
| Net loans and leases to deposits | 86.4379% | 1,541 |
| Net loans and leases to core deposits | 89.2331% | 2,069 |
| Total domestic deposits to total assets | 84.8162% | 3,943 |
| Equity capital to assets | 11.0155% | 3,098 |
| Core capital (leverage) ratio | 10.6626% | 2,648 |
| Tier 1 risk-based capital ratio | 16.9625% | 2,684 |
| Total risk-based capital ratio | 17.9762% | 2,746 |
| Memoranda: | ||
| Average total assets | $484,877,000 | 1,389 |
| Average earning assets | $446,799,000 | 1,383 |
| Average equity | $52,380,670 | 1,363 |
| Average total loans | $350,439,330 | 1,198 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6530% | 3,250 |
| Cost of funding earning assets | 0.7981% | 3,491 |
| Net interest margin | 3.8549% | 3,117 |
| Noninterest income to average assets | 1.3075% | 832 |
| Noninterest expense to average assets | 3.6273% | 1,503 |
| Loan and lease loss provision to assets | 0.1916% | 3,035 |
| Net operating income to assets | 0.6809% | 3,971 |
| Return on assets (ROA) | 0.6809% | 4,189 |
| Pretax return on assets | 1.0394% | 3,537 |
| Return on Equity (ROE) | 6.3648% | 4,108 |
| Retained earnings to average equity (ytd only) | 6.3648% | 2,764 |
| Net charge-offs to loans | 0.1945% | 2,951 |
| Credit loss provision to net charge-offs | 137.8698% | 1,785 |
| Earnings coverage of net charge-offs (x) | 8.8580% | 1,909 |
| Efficiency ratio | 74.6615% | 2,995 |
| Assets per employee ($millions) | 2.7353% | 6,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 6,603 |
| Loan loss allowance to noncurrent loans | 182.4509% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.8375% | 4,858 |
| Noncurrent loans to loans | 0.4787% | 5,714 |
| Net loans and leases to total assets | 69.5433% | 1,830 |
| Net loans and leases to deposits | 82.2063% | 1,913 |
| Net loans and leases to core deposits | 84.7970% | 2,434 |
| Total domestic deposits to total assets | 84.5960% | 4,223 |
| Equity capital to assets | 10.4768% | 3,517 |
| Core capital (leverage) ratio | 10.1655% | 3,153 |
| Tier 1 risk-based capital ratio | 16.8609% | 2,732 |
| Total risk-based capital ratio | 17.8811% | 2,808 |
| Memoranda: | ||
| Average total assets | $486,427,500 | 1,386 |
| Average earning assets | $448,054,500 | 1,376 |
| Average equity | $52,036,000 | 1,361 |
| Average total loans | $347,521,000 | 1,210 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7687% | 3,949 |
| Cost of funding earning assets | 1.0542% | 2,988 |
| Net interest margin | 3.7145% | 4,233 |
| Noninterest income to average assets | 1.0824% | 1,136 |
| Noninterest expense to average assets | 3.7372% | 1,464 |
| Loan and lease loss provision to assets | 0.2867% | 3,368 |
| Net operating income to assets | 0.3094% | 5,219 |
| Return on assets (ROA) | 0.3930% | 5,065 |
| Pretax return on assets | 0.6141% | 4,646 |
| Return on Equity (ROE) | 3.5902% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.5902% | 3,663 |
| Net charge-offs to loans | 0.3034% | 3,882 |
| Credit loss provision to net charge-offs | 128.9040% | 2,388 |
| Earnings coverage of net charge-offs (x) | 3.4627% | 3,510 |
| Efficiency ratio | 82.9146% | 1,897 |
| Assets per employee ($millions) | 2.5530% | 6,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 6,598 |
| Loan loss allowance to noncurrent loans | 123.5900% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 1.0133% | 4,588 |
| Noncurrent loans to loans | 0.7064% | 5,283 |
| Net loans and leases to total assets | 72.1725% | 1,619 |
| Net loans and leases to deposits | 85.7961% | 1,695 |
| Net loans and leases to core deposits | 88.8961% | 2,262 |
| Total domestic deposits to total assets | 84.1210% | 4,272 |
| Equity capital to assets | 10.9316% | 3,045 |
| Core capital (leverage) ratio | 10.6004% | 2,620 |
| Tier 1 risk-based capital ratio | 17.0287% | 2,588 |
| Total risk-based capital ratio | 18.0540% | 2,653 |
| Memoranda: | ||
| Average total assets | $463,583,000 | 1,419 |
| Average earning assets | $427,437,400 | 1,416 |
| Average equity | $50,749,400 | 1,346 |
| Average total loans | $339,863,000 | 1,249 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8227% | 3,928 |
| Cost of funding earning assets | 1.1163% | 2,868 |
| Net interest margin | 3.7065% | 4,306 |
| Noninterest income to average assets | 1.3064% | 769 |
| Noninterest expense to average assets | 3.8034% | 1,300 |
| Loan and lease loss provision to assets | 0.3103% | 3,043 |
| Net operating income to assets | 0.3935% | 5,030 |
| Return on assets (ROA) | 0.4181% | 5,108 |
| Pretax return on assets | 0.6536% | 4,630 |
| Return on Equity (ROE) | 3.8182% | 5,067 |
| Retained earnings to average equity (ytd only) | 3.8182% | 4,007 |
| Net charge-offs to loans | 0.3604% | 3,286 |
| Credit loss provision to net charge-offs | 117.2489% | 2,784 |
| Earnings coverage of net charge-offs (x) | 3.4967% | 3,417 |
| Efficiency ratio | 80.4277% | 2,191 |
| Assets per employee ($millions) | 2.5676% | 6,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 6,710 |
| Loan loss allowance to noncurrent loans | 141.9435% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 1.0735% | 4,623 |
| Noncurrent loans to loans | 0.6028% | 5,680 |
| Net loans and leases to total assets | 70.6076% | 1,962 |
| Net loans and leases to deposits | 84.1384% | 1,977 |
| Net loans and leases to core deposits | 87.0812% | 2,622 |
| Total domestic deposits to total assets | 83.9184% | 4,270 |
| Equity capital to assets | 10.9154% | 3,225 |
| Core capital (leverage) ratio | 10.5768% | 2,785 |
| Tier 1 risk-based capital ratio | 17.1267% | 2,596 |
| Total risk-based capital ratio | 18.1176% | 2,666 |
| Memoranda: | ||
| Average total assets | $461,403,250 | 1,435 |
| Average earning assets | $426,057,500 | 1,430 |
| Average equity | $50,529,250 | 1,352 |
| Average total loans | $338,860,250 | 1,264 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8813% | 3,700 |
| Cost of funding earning assets | 1.1531% | 2,879 |
| Net interest margin | 3.7282% | 4,129 |
| Noninterest income to average assets | 1.2953% | 748 |
| Noninterest expense to average assets | 3.8903% | 1,212 |
| Loan and lease loss provision to assets | 0.3450% | 2,713 |
| Net operating income to assets | 0.3292% | 5,250 |
| Return on assets (ROA) | 0.3663% | 5,243 |
| Pretax return on assets | 0.5726% | 4,839 |
| Return on Equity (ROE) | 3.3415% | 5,241 |
| Retained earnings to average equity (ytd only) | 3.3415% | 4,134 |
| Net charge-offs to loans | 0.4091% | 2,915 |
| Credit loss provision to net charge-offs | 113.6494% | 2,694 |
| Earnings coverage of net charge-offs (x) | 2.8319% | 3,428 |
| Efficiency ratio | 81.9025% | 2,114 |
| Assets per employee ($millions) | 2.4897% | 6,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8315% | 6,812 |
| Loan loss allowance to noncurrent loans | 62.1394% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.5897% | 3,812 |
| Noncurrent loans to loans | 1.3381% | 4,416 |
| Net loans and leases to total assets | 73.2967% | 1,538 |
| Net loans and leases to deposits | 87.9019% | 1,514 |
| Net loans and leases to core deposits | 90.9615% | 2,263 |
| Total domestic deposits to total assets | 83.3847% | 4,590 |
| Equity capital to assets | 11.1285% | 2,835 |
| Core capital (leverage) ratio | 10.7804% | 2,443 |
| Tier 1 risk-based capital ratio | 16.6554% | 2,670 |
| Total risk-based capital ratio | 17.6091% | 2,768 |
| Memoranda: | ||
| Average total assets | $458,582,000 | 1,449 |
| Average earning assets | $424,927,000 | 1,437 |
| Average equity | $50,276,330 | 1,336 |
| Average total loans | $340,272,000 | 1,269 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8556% | 3,789 |
| Cost of funding earning assets | 1.1668% | 3,048 |
| Net interest margin | 3.6888% | 4,165 |
| Noninterest income to average assets | 1.4224% | 634 |
| Noninterest expense to average assets | 3.9047% | 1,167 |
| Loan and lease loss provision to assets | 0.3356% | 2,548 |
| Net operating income to assets | 0.3869% | 5,009 |
| Return on assets (ROA) | 0.3869% | 5,095 |
| Pretax return on assets | 0.6043% | 4,668 |
| Return on Equity (ROE) | 3.5556% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.5556% | 4,053 |
| Net charge-offs to loans | 0.4538% | 2,334 |
| Credit loss provision to net charge-offs | 99.4845% | 2,744 |
| Earnings coverage of net charge-offs (x) | 2.7861% | 2,967 |
| Efficiency ratio | 80.5994% | 2,421 |
| Assets per employee ($millions) | 2.5317% | 6,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 6,932 |
| Loan loss allowance to noncurrent loans | 92.2526% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.9136% | 5,070 |
| Noncurrent loans to loans | 0.8619% | 5,317 |
| Net loans and leases to total assets | 72.7940% | 1,558 |
| Net loans and leases to deposits | 87.0965% | 1,582 |
| Net loans and leases to core deposits | 89.9713% | 2,346 |
| Total domestic deposits to total assets | 83.5786% | 4,669 |
| Equity capital to assets | 10.8528% | 2,822 |
| Core capital (leverage) ratio | 10.5352% | 2,576 |
| Tier 1 risk-based capital ratio | 16.5962% | 2,622 |
| Total risk-based capital ratio | 17.5190% | 2,734 |
| Memoranda: | ||
| Average total assets | $460,062,500 | 1,461 |
| Average earning assets | $426,803,000 | 1,442 |
| Average equity | $50,062,500 | 1,332 |
| Average total loans | $342,030,500 | 1,275 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1700% | 3,750 |
| Cost of funding earning assets | 1.4023% | 3,254 |
| Net interest margin | 3.7678% | 4,075 |
| Noninterest income to average assets | 1.5201% | 629 |
| Noninterest expense to average assets | 3.7632% | 1,555 |
| Loan and lease loss provision to assets | 0.2916% | 4,461 |
| Net operating income to assets | 0.6110% | 3,623 |
| Return on assets (ROA) | 0.6110% | 3,789 |
| Pretax return on assets | 0.9536% | 3,091 |
| Return on Equity (ROE) | 5.7304% | 3,722 |
| Retained earnings to average equity (ytd only) | 5.7304% | 1,974 |
| Net charge-offs to loans | 0.1872% | 5,180 |
| Credit loss provision to net charge-offs | 208.6614% | 1,471 |
| Earnings coverage of net charge-offs (x) | 8.9102% | 1,900 |
| Efficiency ratio | 75.1373% | 3,180 |
| Assets per employee ($millions) | 2.4963% | 7,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7861% | 6,997 |
| Loan loss allowance to noncurrent loans | 61.9135% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.4251% | 4,209 |
| Noncurrent loans to loans | 1.2697% | 4,596 |
| Net loans and leases to total assets | 74.7329% | 1,535 |
| Net loans and leases to deposits | 89.5969% | 1,583 |
| Net loans and leases to core deposits | 92.7892% | 2,412 |
| Total domestic deposits to total assets | 83.4102% | 4,644 |
| Equity capital to assets | 10.9110% | 2,763 |
| Core capital (leverage) ratio | 10.5683% | 2,493 |
| Tier 1 risk-based capital ratio | 16.3020% | 2,613 |
| Total risk-based capital ratio | 17.2193% | 2,720 |
| Memoranda: | ||
| Average total assets | $454,370,800 | 1,464 |
| Average earning assets | $420,673,200 | 1,439 |
| Average equity | $48,443,200 | 1,380 |
| Average total loans | $339,145,800 | 1,314 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2211% | 3,732 |
| Cost of funding earning assets | 1.4386% | 3,345 |
| Net interest margin | 3.7825% | 4,048 |
| Noninterest income to average assets | 1.5315% | 590 |
| Noninterest expense to average assets | 3.8322% | 1,314 |
| Loan and lease loss provision to assets | 0.2791% | 4,344 |
| Net operating income to assets | 0.5915% | 3,912 |
| Return on assets (ROA) | 0.5915% | 4,076 |
| Pretax return on assets | 0.9229% | 3,477 |
| Return on Equity (ROE) | 5.5807% | 4,013 |
| Retained earnings to average equity (ytd only) | 5.5807% | 2,602 |
| Net charge-offs to loans | 0.1886% | 4,822 |
| Credit loss provision to net charge-offs | 198.7448% | 1,801 |
| Earnings coverage of net charge-offs (x) | 8.5585% | 2,143 |
| Efficiency ratio | 76.1221% | 2,929 |
| Assets per employee ($millions) | 2.5410% | 7,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7382% | 7,134 |
| Loan loss allowance to noncurrent loans | 71.1792% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.0747% | 4,963 |
| Noncurrent loans to loans | 1.0371% | 5,173 |
| Net loans and leases to total assets | 72.7091% | 2,073 |
| Net loans and leases to deposits | 87.1854% | 2,129 |
| Net loans and leases to core deposits | 91.1295% | 2,934 |
| Total domestic deposits to total assets | 83.3959% | 4,418 |
| Equity capital to assets | 10.6705% | 3,325 |
| Core capital (leverage) ratio | 10.3158% | 2,896 |
| Tier 1 risk-based capital ratio | 16.2621% | 2,650 |
| Total risk-based capital ratio | 17.1185% | 2,772 |
| Memoranda: | ||
| Average total assets | $453,759,500 | 1,482 |
| Average earning assets | $420,209,250 | 1,459 |
| Average equity | $48,093,250 | 1,403 |
| Average total loans | $337,908,000 | 1,335 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2657% | 3,621 |
| Cost of funding earning assets | 1.4847% | 3,340 |
| Net interest margin | 3.7810% | 3,983 |
| Noninterest income to average assets | 1.5811% | 518 |
| Noninterest expense to average assets | 3.9145% | 1,165 |
| Loan and lease loss provision to assets | 0.2657% | 4,266 |
| Net operating income to assets | 0.5760% | 3,970 |
| Return on assets (ROA) | 0.5760% | 4,112 |
| Pretax return on assets | 0.8997% | 3,492 |
| Return on Equity (ROE) | 5.4474% | 4,073 |
| Retained earnings to average equity (ytd only) | 5.4474% | 2,649 |
| Net charge-offs to loans | 0.1709% | 4,592 |
| Credit loss provision to net charge-offs | 207.6125% | 1,871 |
| Earnings coverage of net charge-offs (x) | 9.1073% | 2,055 |
| Efficiency ratio | 77.0592% | 2,886 |
| Assets per employee ($millions) | 2.4931% | 7,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6945% | 7,262 |
| Loan loss allowance to noncurrent loans | 52.0125% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 1.0980% | 4,935 |
| Noncurrent loans to loans | 1.3352% | 4,720 |
| Net loans and leases to total assets | 73.3021% | 2,083 |
| Net loans and leases to deposits | 87.7010% | 2,226 |
| Net loans and leases to core deposits | 91.6790% | 3,034 |
| Total domestic deposits to total assets | 83.5818% | 4,300 |
| Equity capital to assets | 10.6674% | 3,203 |
| Core capital (leverage) ratio | 10.3021% | 2,820 |
| Tier 1 risk-based capital ratio | 16.0989% | 2,629 |
| Total risk-based capital ratio | 16.9038% | 2,786 |
| Memoranda: | ||
| Average total assets | $451,705,330 | 1,514 |
| Average earning assets | $417,986,000 | 1,481 |
| Average equity | $47,765,670 | 1,400 |
| Average total loans | $338,246,670 | 1,349 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3071% | 3,514 |
| Cost of funding earning assets | 1.5063% | 3,511 |
| Net interest margin | 3.8008% | 3,792 |
| Noninterest income to average assets | 1.5940% | 485 |
| Noninterest expense to average assets | 3.7774% | 1,358 |
| Loan and lease loss provision to assets | 0.2663% | 3,895 |
| Net operating income to assets | 0.6754% | 3,547 |
| Return on assets (ROA) | 0.6754% | 3,665 |
| Pretax return on assets | 1.0642% | 2,866 |
| Return on Equity (ROE) | 6.4156% | 3,659 |
| Retained earnings to average equity (ytd only) | 6.4156% | 2,402 |
| Net charge-offs to loans | 0.1824% | 3,829 |
| Credit loss provision to net charge-offs | 193.5484% | 1,911 |
| Earnings coverage of net charge-offs (x) | 9.6710% | 1,822 |
| Efficiency ratio | 73.9531% | 3,585 |
| Assets per employee ($millions) | 2.4568% | 7,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6426% | 7,440 |
| Loan loss allowance to noncurrent loans | 55.4415% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.0742% | 4,994 |
| Noncurrent loans to loans | 1.1590% | 5,051 |
| Net loans and leases to total assets | 72.6992% | 2,285 |
| Net loans and leases to deposits | 86.9202% | 2,419 |
| Net loans and leases to core deposits | 90.7883% | 3,260 |
| Total domestic deposits to total assets | 83.6390% | 4,327 |
| Equity capital to assets | 10.4148% | 3,328 |
| Core capital (leverage) ratio | 10.0562% | 3,093 |
| Tier 1 risk-based capital ratio | 15.6306% | 2,816 |
| Total risk-based capital ratio | 16.3647% | 3,018 |
| Memoranda: | ||
| Average total assets | $450,684,500 | 1,554 |
| Average earning assets | $416,648,000 | 1,526 |
| Average equity | $47,447,000 | 1,418 |
| Average total loans | $339,904,000 | 1,382 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7782% | 2,748 |
| Cost of funding earning assets | 1.8520% | 3,727 |
| Net interest margin | 3.9262% | 3,171 |
| Noninterest income to average assets | 0.8745% | 2,055 |
| Noninterest expense to average assets | 3.7741% | 1,742 |
| Loan and lease loss provision to assets | 0.4019% | 4,403 |
| Net operating income to assets | 0.2076% | 4,878 |
| Return on assets (ROA) | 0.6984% | 3,011 |
| Pretax return on assets | 1.0998% | 2,255 |
| Return on Equity (ROE) | 6.8249% | 2,858 |
| Retained earnings to average equity (ytd only) | 6.8249% | 1,026 |
| Net charge-offs to loans | 0.2705% | 4,928 |
| Credit loss provision to net charge-offs | 180.7071% | 2,296 |
| Earnings coverage of net charge-offs (x) | 3.3040% | 3,414 |
| Efficiency ratio | 83.7045% | 2,388 |
| Assets per employee ($millions) | 2.3139% | 7,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5863% | 7,571 |
| Loan loss allowance to noncurrent loans | 50.4128% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 1.0942% | 4,905 |
| Noncurrent loans to loans | 1.1631% | 5,001 |
| Net loans and leases to total assets | 77.3026% | 1,522 |
| Net loans and leases to deposits | 93.4408% | 1,673 |
| Net loans and leases to core deposits | 106.5271% | 3,271 |
| Total domestic deposits to total assets | 82.7290% | 4,645 |
| Equity capital to assets | 10.6452% | 3,029 |
| Core capital (leverage) ratio | 10.2810% | 2,798 |
| Tier 1 risk-based capital ratio | 14.6680% | 3,123 |
| Total risk-based capital ratio | 15.3215% | 3,408 |
| Memoranda: | ||
| Average total assets | $445,189,200 | 1,560 |
| Average earning assets | $412,103,800 | 1,538 |
| Average equity | $45,553,800 | 1,475 |
| Average total loans | $366,020,200 | 1,313 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8520% | 2,659 |
| Cost of funding earning assets | 1.9160% | 3,791 |
| Net interest margin | 3.9359% | 3,094 |
| Noninterest income to average assets | 0.6469% | 3,367 |
| Noninterest expense to average assets | 3.8020% | 1,583 |
| Loan and lease loss provision to assets | 0.3405% | 4,293 |
| Net operating income to assets | 0.0897% | 5,499 |
| Return on assets (ROA) | 0.7429% | 3,103 |
| Pretax return on assets | 1.1716% | 2,347 |
| Return on Equity (ROE) | 7.3334% | 2,934 |
| Retained earnings to average equity (ytd only) | 7.3334% | 1,380 |
| Net charge-offs to loans | 0.2339% | 4,592 |
| Credit loss provision to net charge-offs | 174.6933% | 2,652 |
| Earnings coverage of net charge-offs (x) | 2.5215% | 3,965 |
| Efficiency ratio | 88.5531% | 1,815 |
| Assets per employee ($millions) | 2.3159% | 7,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5074% | 7,703 |
| Loan loss allowance to noncurrent loans | 37.1031% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 1.1122% | 4,851 |
| Noncurrent loans to loans | 1.3677% | 4,638 |
| Net loans and leases to total assets | 79.6696% | 1,240 |
| Net loans and leases to deposits | 96.6812% | 1,491 |
| Net loans and leases to core deposits | 113.0969% | 2,925 |
| Total domestic deposits to total assets | 82.4044% | 4,497 |
| Equity capital to assets | 10.5522% | 3,455 |
| Core capital (leverage) ratio | 10.2023% | 3,066 |
| Tier 1 risk-based capital ratio | 14.6561% | 3,199 |
| Total risk-based capital ratio | 15.2425% | 3,506 |
| Memoranda: | ||
| Average total assets | $445,998,000 | 1,564 |
| Average earning assets | $413,207,250 | 1,544 |
| Average equity | $45,180,500 | 1,509 |
| Average total loans | $371,611,000 | 1,306 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9531% | 2,372 |
| Cost of funding earning assets | 1.9845% | 3,853 |
| Net interest margin | 3.9686% | 2,836 |
| Noninterest income to average assets | 0.3415% | 5,777 |
| Noninterest expense to average assets | 3.7693% | 1,704 |
| Loan and lease loss provision to assets | 0.2188% | 4,850 |
| Net operating income to assets | 0.0079% | 5,812 |
| Return on assets (ROA) | 0.7964% | 2,963 |
| Pretax return on assets | 1.2567% | 2,138 |
| Return on Equity (ROE) | 7.9708% | 2,782 |
| Retained earnings to average equity (ytd only) | 7.9708% | 1,219 |
| Net charge-offs to loans | 0.1540% | 4,655 |
| Credit loss provision to net charge-offs | 168.3849% | 2,733 |
| Earnings coverage of net charge-offs (x) | 1.8729% | 4,168 |
| Efficiency ratio | 93.9364% | 1,499 |
| Assets per employee ($millions) | 2.2751% | 7,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4164% | 7,886 |
| Loan loss allowance to noncurrent loans | 35.1288% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 0.9968% | 4,974 |
| Noncurrent loans to loans | 1.1854% | 4,847 |
| Net loans and leases to total assets | 80.4464% | 1,235 |
| Net loans and leases to deposits | 97.8912% | 1,535 |
| Net loans and leases to core deposits | 114.7360% | 2,833 |
| Total domestic deposits to total assets | 82.1794% | 4,615 |
| Equity capital to assets | 10.2379% | 3,686 |
| Core capital (leverage) ratio | 9.9283% | 3,371 |
| Tier 1 risk-based capital ratio | 14.4451% | 3,279 |
| Total risk-based capital ratio | 14.9365% | 3,628 |
| Memoranda: | ||
| Average total assets | $447,990,670 | 1,579 |
| Average earning assets | $414,408,000 | 1,568 |
| Average equity | $44,763,330 | 1,533 |
| Average total loans | $378,031,330 | 1,312 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1480% | 1,771 |
| Cost of funding earning assets | 2.0503% | 3,876 |
| Net interest margin | 4.0977% | 2,280 |
| Noninterest income to average assets | 0.0534% | 7,814 |
| Noninterest expense to average assets | 3.7486% | 1,568 |
| Loan and lease loss provision to assets | 0.1425% | 5,117 |
| Net operating income to assets | -0.0471% | 6,330 |
| Return on assets (ROA) | 0.7385% | 3,578 |
| Pretax return on assets | 1.1679% | 2,733 |
| Return on Equity (ROE) | 7.4822% | 3,392 |
| Retained earnings to average equity (ytd only) | 7.4822% | 2,032 |
| Net charge-offs to loans | 0.0858% | 4,308 |
| Credit loss provision to net charge-offs | 192.7711% | 2,289 |
| Earnings coverage of net charge-offs (x) | 1.1205% | 4,191 |
| Efficiency ratio | 97.8377% | 1,226 |
| Assets per employee ($millions) | 2.3170% | 7,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3646% | 7,985 |
| Loan loss allowance to noncurrent loans | 40.0232% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 5,158 |
| Noncurrent loans to loans | 0.9110% | 5,180 |
| Net loans and leases to total assets | 83.7679% | 726 |
| Net loans and leases to deposits | 101.1766% | 1,264 |
| Net loans and leases to core deposits | 118.4197% | 2,558 |
| Total domestic deposits to total assets | 82.7937% | 4,249 |
| Equity capital to assets | 9.9561% | 4,046 |
| Core capital (leverage) ratio | 9.6712% | 3,790 |
| Tier 1 risk-based capital ratio | 13.7921% | 3,701 |
| Total risk-based capital ratio | 14.2309% | 4,118 |
| Memoranda: | ||
| Average total assets | $449,024,500 | 1,580 |
| Average earning assets | $413,986,000 | 1,570 |
| Average equity | $44,318,500 | 1,544 |
| Average total loans | $386,932,500 | 1,289 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4637% | 3,145 |
| Cost of funding earning assets | 2.4145% | 4,660 |
| Net interest margin | 4.0492% | 2,911 |
| Noninterest income to average assets | 0.7819% | 2,610 |
| Noninterest expense to average assets | 3.6312% | 2,078 |
| Loan and lease loss provision to assets | 0.1475% | 5,472 |
| Net operating income to assets | 0.4633% | 4,892 |
| Return on assets (ROA) | 0.6622% | 3,902 |
| Pretax return on assets | 1.0355% | 3,256 |
| Return on Equity (ROE) | 6.9666% | 3,547 |
| Retained earnings to average equity (ytd only) | 6.9666% | 1,161 |
| Net charge-offs to loans | 0.0394% | 6,238 |
| Credit loss provision to net charge-offs | 429.4118% | 1,018 |
| Earnings coverage of net charge-offs (x) | 25.3856% | 1,335 |
| Efficiency ratio | 80.6323% | 2,512 |
| Assets per employee ($millions) | 2.3484% | 7,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3286% | 8,063 |
| Loan loss allowance to noncurrent loans | 55.2207% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 0.6679% | 5,218 |
| Noncurrent loans to loans | 0.5950% | 5,588 |
| Net loans and leases to total assets | 87.9836% | 370 |
| Net loans and leases to deposits | 111.2114% | 755 |
| Net loans and leases to core deposits | 131.5069% | 1,756 |
| Total domestic deposits to total assets | 79.1138% | 5,331 |
| Equity capital to assets | 9.7836% | 4,315 |
| Core capital (leverage) ratio | 9.5172% | 3,996 |
| Tier 1 risk-based capital ratio | 13.2921% | 3,933 |
| Total risk-based capital ratio | 13.6986% | 4,376 |
| Memoranda: | ||
| Average total assets | $445,302,600 | 1,543 |
| Average earning assets | $409,269,200 | 1,526 |
| Average equity | $42,330,800 | 1,578 |
| Average total loans | $388,303,400 | 1,247 |