Home > Fox Valley Savings Bank > Performance and Condition Ratios
Fox Valley Savings Bank, 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 | 3.5702% | 4,366 |
| Cost of funding earning assets | 1.2568% | 2,638 |
| Net interest margin | 2.3134% | 4,250 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.5740% | 2,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0921% | 4,260 |
| Return on assets (ROA) | 0.1526% | 4,236 |
| Pretax return on assets | 0.0671% | 4,300 |
| Return on Equity (ROE) | 1.1900% | 4,239 |
| Retained earnings to average equity (ytd only) | 1.1911% | 3,786 |
| Net charge-offs to loans | 0.0037% | 2,625 |
| Credit loss provision to net charge-offs | -125.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | 3.1250% | 2,658 |
| Efficiency ratio | 99.7451% | 193 |
| Assets per employee ($millions) | 6.7925% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 1,585 |
| Loan loss allowance to noncurrent loans | 308.3074% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 1,924 |
| Noncurrent loans to loans | 0.4373% | 1,683 |
| Net loans and leases to total assets | 58.1600% | 3,024 |
| Net loans and leases to deposits | 74.4925% | 2,584 |
| Net loans and leases to core deposits | 78.8960% | 2,770 |
| Total domestic deposits to total assets | 78.0700% | 3,718 |
| Equity capital to assets | 13.5978% | 750 |
| Core capital (leverage) ratio | 16.6392% | 417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $380,076,000 | 2,079 |
| Average earning assets | $351,298,200 | 2,086 |
| Average equity | $48,693,400 | 1,643 |
| Average total loans | $217,261,600 | 2,182 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5303% | 4,365 |
| Cost of funding earning assets | 1.1388% | 2,630 |
| Net interest margin | 2.3915% | 4,237 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.5199% | 2,163 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1771% | 4,257 |
| Return on assets (ROA) | 0.2574% | 4,174 |
| Pretax return on assets | 0.2113% | 4,249 |
| Return on Equity (ROE) | 2.0400% | 4,191 |
| Retained earnings to average equity (ytd only) | 2.0401% | 3,720 |
| Net charge-offs to loans | 0.0031% | 2,417 |
| Credit loss provision to net charge-offs | -200.0000% | 4,548 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 1,081 |
| Efficiency ratio | 95.0586% | 247 |
| Assets per employee ($millions) | 6.8266% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 1,605 |
| Loan loss allowance to noncurrent loans | 325.8772% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 2,016 |
| Noncurrent loans to loans | 0.4189% | 1,784 |
| Net loans and leases to total assets | 58.2600% | 3,010 |
| Net loans and leases to deposits | 72.7272% | 2,667 |
| Net loans and leases to core deposits | 77.7456% | 2,757 |
| Total domestic deposits to total assets | 80.1000% | 3,512 |
| Equity capital to assets | 12.2409% | 981 |
| Core capital (leverage) ratio | 16.5261% | 447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $381,697,750 | 2,071 |
| Average earning assets | $353,464,500 | 2,077 |
| Average equity | $48,166,750 | 1,639 |
| Average total loans | $216,518,000 | 2,182 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4576% | 4,383 |
| Cost of funding earning assets | 0.9856% | 2,649 |
| Net interest margin | 2.4719% | 4,233 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.5499% | 2,071 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1901% | 4,290 |
| Return on assets (ROA) | 0.3093% | 4,166 |
| Pretax return on assets | 0.2818% | 4,249 |
| Return on Equity (ROE) | 2.4300% | 4,223 |
| Retained earnings to average equity (ytd only) | 2.4278% | 3,617 |
| Net charge-offs to loans | 0.0028% | 2,245 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 104.6667% | 911 |
| Efficiency ratio | 94.0031% | 263 |
| Assets per employee ($millions) | 7.2005% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 1,607 |
| Loan loss allowance to noncurrent loans | 322.2462% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 1,968 |
| Noncurrent loans to loans | 0.4282% | 1,652 |
| Net loans and leases to total assets | 56.9600% | 3,049 |
| Net loans and leases to deposits | 71.6461% | 2,675 |
| Net loans and leases to core deposits | 76.5777% | 2,722 |
| Total domestic deposits to total assets | 79.5000% | 3,652 |
| Equity capital to assets | 13.1108% | 787 |
| Core capital (leverage) ratio | 16.2193% | 455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $386,052,333 | 2,057 |
| Average earning assets | $358,345,667 | 2,051 |
| Average equity | $49,181,000 | 1,616 |
| Average total loans | $216,113,667 | 2,180 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4464% | 4,330 |
| Cost of funding earning assets | 0.7789% | 2,807 |
| Net interest margin | 2.6675% | 4,119 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.5743% | 2,029 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2513% | 4,306 |
| Return on assets (ROA) | 0.4838% | 3,896 |
| Pretax return on assets | 0.5175% | 3,968 |
| Return on Equity (ROE) | 3.8500% | 4,060 |
| Retained earnings to average equity (ytd only) | 3.8516% | 3,309 |
| Net charge-offs to loans | 0.0037% | 1,863 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 663 |
| Efficiency ratio | 90.5891% | 338 |
| Assets per employee ($millions) | 7.3433% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 1,706 |
| Loan loss allowance to noncurrent loans | 317.5532% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 1,912 |
| Noncurrent loans to loans | 0.4341% | 1,631 |
| Net loans and leases to total assets | 54.8800% | 3,129 |
| Net loans and leases to deposits | 71.6916% | 2,495 |
| Net loans and leases to core deposits | 76.7047% | 2,480 |
| Total domestic deposits to total assets | 76.5400% | 4,123 |
| Equity capital to assets | 12.9234% | 771 |
| Core capital (leverage) ratio | 15.6698% | 500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $391,866,000 | 2,068 |
| Average earning assets | $364,088,500 | 2,057 |
| Average equity | $49,226,500 | 1,632 |
| Average total loans | $216,049,000 | 2,197 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1492% | 3,906 |
| Cost of funding earning assets | 0.3486% | 2,486 |
| Net interest margin | 2.8006% | 3,892 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.2943% | 2,755 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6733% | 3,696 |
| Return on assets (ROA) | 0.6751% | 3,638 |
| Pretax return on assets | 0.7556% | 3,732 |
| Return on Equity (ROE) | 5.3700% | 3,955 |
| Retained earnings to average equity (ytd only) | 5.3741% | 2,885 |
| Net charge-offs to loans | 0.0059% | 2,203 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 233.3846% | 572 |
| Efficiency ratio | 75.2750% | 1,092 |
| Assets per employee ($millions) | 7.4441% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 1,443 |
| Loan loss allowance to noncurrent loans | 325.9338% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 1,960 |
| Noncurrent loans to loans | 0.4347% | 1,619 |
| Net loans and leases to total assets | 53.8600% | 3,211 |
| Net loans and leases to deposits | 69.4592% | 2,628 |
| Net loans and leases to core deposits | 71.3453% | 2,770 |
| Total domestic deposits to total assets | 77.5400% | 4,126 |
| Equity capital to assets | 12.2057% | 880 |
| Core capital (leverage) ratio | 15.5176% | 512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $402,606,000 | 2,021 |
| Average earning assets | $377,811,600 | 1,993 |
| Average equity | $50,576,000 | 1,608 |
| Average total loans | $218,550,800 | 2,117 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0725% | 3,731 |
| Cost of funding earning assets | 0.3186% | 1,977 |
| Net interest margin | 2.7539% | 3,828 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.2615% | 2,748 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6546% | 3,683 |
| Return on assets (ROA) | 0.7045% | 3,509 |
| Pretax return on assets | 0.7978% | 3,577 |
| Return on Equity (ROE) | 5.5700% | 3,873 |
| Retained earnings to average equity (ytd only) | 5.5696% | 2,904 |
| Net charge-offs to loans | 0.0067% | 1,910 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 204.4545% | 614 |
| Efficiency ratio | 75.3183% | 1,138 |
| Assets per employee ($millions) | 7.1964% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3756% | 1,688 |
| Loan loss allowance to noncurrent loans | 355.3488% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 2,160 |
| Noncurrent loans to loans | 0.3871% | 1,844 |
| Net loans and leases to total assets | 55.3600% | 2,964 |
| Net loans and leases to deposits | 67.7976% | 2,550 |
| Net loans and leases to core deposits | 69.4214% | 2,688 |
| Total domestic deposits to total assets | 81.6500% | 3,886 |
| Equity capital to assets | 11.0970% | 1,144 |
| Core capital (leverage) ratio | 15.0745% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $404,623,000 | 2,026 |
| Average earning assets | $380,789,750 | 2,000 |
| Average equity | $51,181,000 | 1,616 |
| Average total loans | $219,304,000 | 2,112 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9846% | 3,595 |
| Cost of funding earning assets | 0.3011% | 1,702 |
| Net interest margin | 2.6835% | 3,733 |
| Noninterest income to average assets | 0.4250% | 2,597 |
| Noninterest expense to average assets | 2.2171% | 2,796 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6481% | 3,483 |
| Return on assets (ROA) | 0.7223% | 3,183 |
| Pretax return on assets | 0.8244% | 3,264 |
| Return on Equity (ROE) | 5.4925% | 3,708 |
| Retained earnings to average equity (ytd only) | 5.4925% | 2,515 |
| Net charge-offs to loans | 0.0082% | 1,685 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 167.5556% | 595 |
| Efficiency ratio | 74.9751% | 1,390 |
| Assets per employee ($millions) | 7.1861% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 1,908 |
| Loan loss allowance to noncurrent loans | 349.8856% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 2,232 |
| Noncurrent loans to loans | 0.3900% | 1,966 |
| Net loans and leases to total assets | 54.9326% | 2,870 |
| Net loans and leases to deposits | 67.0830% | 2,462 |
| Net loans and leases to core deposits | 69.0344% | 2,564 |
| Total domestic deposits to total assets | 81.8875% | 4,019 |
| Equity capital to assets | 11.8972% | 910 |
| Core capital (leverage) ratio | 14.8020% | 501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $407,564,000 | 2,022 |
| Average earning assets | $384,578,000 | 2,007 |
| Average equity | $53,600,667 | 1,596 |
| Average total loans | $218,354,000 | 2,119 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9405% | 3,427 |
| Cost of funding earning assets | 0.2940% | 1,711 |
| Net interest margin | 2.6466% | 3,538 |
| Noninterest income to average assets | 0.4038% | 2,665 |
| Noninterest expense to average assets | 2.1993% | 2,841 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6138% | 3,354 |
| Return on assets (ROA) | 0.7598% | 2,808 |
| Pretax return on assets | 0.8748% | 2,873 |
| Return on Equity (ROE) | 5.5187% | 3,481 |
| Retained earnings to average equity (ytd only) | 5.5187% | 2,408 |
| Net charge-offs to loans | 0.0130% | 1,295 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 103.5714% | 664 |
| Efficiency ratio | 75.6711% | 1,568 |
| Assets per employee ($millions) | 6.9959% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 1,830 |
| Loan loss allowance to noncurrent loans | 313.5246% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 2,195 |
| Noncurrent loans to loans | 0.4530% | 1,893 |
| Net loans and leases to total assets | 52.3420% | 2,955 |
| Net loans and leases to deposits | 63.7948% | 2,552 |
| Net loans and leases to core deposits | 65.8411% | 2,639 |
| Total domestic deposits to total assets | 82.0475% | 4,067 |
| Equity capital to assets | 12.8537% | 723 |
| Core capital (leverage) ratio | 14.4530% | 516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $410,134,000 | 2,020 |
| Average earning assets | $387,819,500 | 1,997 |
| Average equity | $56,462,500 | 1,558 |
| Average total loans | $215,471,000 | 2,132 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0221% | 3,832 |
| Cost of funding earning assets | 0.3341% | 2,075 |
| Net interest margin | 2.6880% | 3,899 |
| Noninterest income to average assets | 0.8512% | 1,319 |
| Noninterest expense to average assets | 2.3512% | 2,655 |
| Loan and lease loss provision to assets | 0.0188% | 2,693 |
| Net operating income to assets | 0.8507% | 3,185 |
| Return on assets (ROA) | 0.9460% | 2,956 |
| Pretax return on assets | 1.1435% | 2,840 |
| Return on Equity (ROE) | 6.3159% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.3159% | 2,221 |
| Net charge-offs to loans | -0.0042% | 3,512 |
| Credit loss provision to net charge-offs | -833.3333% | 3,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1784% | 1,837 |
| Assets per employee ($millions) | 7.2721% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 1,830 |
| Loan loss allowance to noncurrent loans | 221.9247% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 1,902 |
| Noncurrent loans to loans | 0.6413% | 1,553 |
| Net loans and leases to total assets | 51.2492% | 3,145 |
| Net loans and leases to deposits | 64.0220% | 2,682 |
| Net loans and leases to core deposits | 66.2790% | 2,796 |
| Total domestic deposits to total assets | 80.0494% | 4,217 |
| Equity capital to assets | 14.6608% | 548 |
| Core capital (leverage) ratio | 14.1425% | 595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $397,886,400 | 1,998 |
| Average earning assets | $377,085,400 | 1,982 |
| Average equity | $59,595,200 | 1,519 |
| Average total loans | $215,764,800 | 2,132 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0405% | 3,927 |
| Cost of funding earning assets | 0.3460% | 2,157 |
| Net interest margin | 2.6945% | 3,991 |
| Noninterest income to average assets | 0.8530% | 1,373 |
| Noninterest expense to average assets | 2.3457% | 2,606 |
| Loan and lease loss provision to assets | 0.0254% | 2,488 |
| Net operating income to assets | 0.8549% | 3,375 |
| Return on assets (ROA) | 0.9834% | 3,056 |
| Pretax return on assets | 1.1916% | 2,959 |
| Return on Equity (ROE) | 6.5292% | 3,790 |
| Retained earnings to average equity (ytd only) | 6.5292% | 2,606 |
| Net charge-offs to loans | -0.0068% | 3,532 |
| Credit loss provision to net charge-offs | -681.8182% | 3,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8295% | 1,724 |
| Assets per employee ($millions) | 7.2419% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 2,019 |
| Loan loss allowance to noncurrent loans | 290.0756% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 2,465 |
| Noncurrent loans to loans | 0.4824% | 2,109 |
| Net loans and leases to total assets | 53.3282% | 3,047 |
| Net loans and leases to deposits | 66.7550% | 2,561 |
| Net loans and leases to core deposits | 69.6343% | 2,628 |
| Total domestic deposits to total assets | 79.8864% | 4,243 |
| Equity capital to assets | 14.7882% | 576 |
| Core capital (leverage) ratio | 14.2808% | 591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $393,731,000 | 2,031 |
| Average earning assets | $373,347,500 | 2,010 |
| Average equity | $59,301,500 | 1,549 |
| Average total loans | $215,831,250 | 2,166 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0629% | 3,933 |
| Cost of funding earning assets | 0.3664% | 2,171 |
| Net interest margin | 2.6965% | 3,987 |
| Noninterest income to average assets | 0.9138% | 1,235 |
| Noninterest expense to average assets | 2.3674% | 2,559 |
| Loan and lease loss provision to assets | 0.0385% | 2,225 |
| Net operating income to assets | 0.8683% | 3,309 |
| Return on assets (ROA) | 1.0606% | 2,754 |
| Pretax return on assets | 1.2992% | 2,631 |
| Return on Equity (ROE) | 6.9976% | 3,660 |
| Retained earnings to average equity (ytd only) | 6.9976% | 2,436 |
| Net charge-offs to loans | -0.0177% | 3,934 |
| Credit loss provision to net charge-offs | -394.7368% | 3,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2141% | 1,857 |
| Assets per employee ($millions) | 7.0696% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 1,829 |
| Loan loss allowance to noncurrent loans | 264.5744% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2938% | 2,454 |
| Noncurrent loans to loans | 0.5427% | 2,045 |
| Net loans and leases to total assets | 53.3556% | 3,214 |
| Net loans and leases to deposits | 67.2346% | 2,697 |
| Net loans and leases to core deposits | 70.0240% | 2,779 |
| Total domestic deposits to total assets | 79.3574% | 4,307 |
| Equity capital to assets | 15.1149% | 511 |
| Core capital (leverage) ratio | 14.4428% | 550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $389,792,333 | 2,039 |
| Average earning assets | $369,585,333 | 2,020 |
| Average equity | $59,077,667 | 1,545 |
| Average total loans | $214,661,667 | 2,182 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0820% | 3,922 |
| Cost of funding earning assets | 0.3998% | 2,097 |
| Net interest margin | 2.6823% | 4,002 |
| Noninterest income to average assets | 1.1181% | 960 |
| Noninterest expense to average assets | 2.3882% | 2,529 |
| Loan and lease loss provision to assets | 0.0776% | 1,641 |
| Net operating income to assets | 0.9416% | 3,001 |
| Return on assets (ROA) | 1.3198% | 1,847 |
| Pretax return on assets | 1.6580% | 1,586 |
| Return on Equity (ROE) | 8.6956% | 3,132 |
| Retained earnings to average equity (ytd only) | 8.6956% | 2,039 |
| Net charge-offs to loans | 0.0037% | 1,793 |
| Credit loss provision to net charge-offs | 3,750.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 610.5000% | 165 |
| Efficiency ratio | 65.4108% | 2,315 |
| Assets per employee ($millions) | 6.8276% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 1,815 |
| Loan loss allowance to noncurrent loans | 248.4553% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 2,563 |
| Noncurrent loans to loans | 0.5789% | 2,122 |
| Net loans and leases to total assets | 53.8095% | 3,264 |
| Net loans and leases to deposits | 67.6025% | 2,742 |
| Net loans and leases to core deposits | 70.4587% | 2,832 |
| Total domestic deposits to total assets | 79.5969% | 4,253 |
| Equity capital to assets | 15.0381% | 489 |
| Core capital (leverage) ratio | 14.6332% | 541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $386,738,500 | 2,041 |
| Average earning assets | $365,214,500 | 2,023 |
| Average equity | $58,696,500 | 1,544 |
| Average total loans | $214,836,500 | 2,179 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3137% | 4,309 |
| Cost of funding earning assets | 0.6934% | 1,748 |
| Net interest margin | 2.6204% | 4,473 |
| Noninterest income to average assets | 1.1309% | 835 |
| Noninterest expense to average assets | 2.5164% | 2,792 |
| Loan and lease loss provision to assets | 0.0892% | 3,245 |
| Net operating income to assets | 0.8361% | 2,954 |
| Return on assets (ROA) | 0.8519% | 3,031 |
| Pretax return on assets | 1.0321% | 2,939 |
| Return on Equity (ROE) | 5.5618% | 3,726 |
| Retained earnings to average equity (ytd only) | 5.5618% | 2,017 |
| Net charge-offs to loans | 0.0432% | 2,195 |
| Credit loss provision to net charge-offs | 375.8621% | 1,503 |
| Earnings coverage of net charge-offs (x) | 46.4598% | 1,269 |
| Efficiency ratio | 69.5403% | 2,012 |
| Assets per employee ($millions) | 6.7422% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 2,093 |
| Loan loss allowance to noncurrent loans | 179.2668% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 2,281 |
| Noncurrent loans to loans | 0.7661% | 1,795 |
| Net loans and leases to total assets | 55.7428% | 3,324 |
| Net loans and leases to deposits | 71.8688% | 2,697 |
| Net loans and leases to core deposits | 75.4747% | 2,773 |
| Total domestic deposits to total assets | 77.5619% | 4,362 |
| Equity capital to assets | 15.3183% | 514 |
| Core capital (leverage) ratio | 14.4123% | 616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,711,200 | 1,976 |
| Average earning assets | $348,159,200 | 1,942 |
| Average equity | $56,168,600 | 1,524 |
| Average total loans | $201,594,000 | 2,221 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3032% | 4,466 |
| Cost of funding earning assets | 0.7691% | 1,641 |
| Net interest margin | 2.5341% | 4,631 |
| Noninterest income to average assets | 1.1128% | 839 |
| Noninterest expense to average assets | 2.5020% | 2,839 |
| Loan and lease loss provision to assets | 0.0919% | 3,167 |
| Net operating income to assets | 0.7691% | 3,214 |
| Return on assets (ROA) | 0.7871% | 3,259 |
| Pretax return on assets | 0.9487% | 3,240 |
| Return on Equity (ROE) | 5.1392% | 3,851 |
| Retained earnings to average equity (ytd only) | 5.1392% | 2,502 |
| Net charge-offs to loans | 0.0607% | 1,735 |
| Credit loss provision to net charge-offs | 277.7778% | 1,834 |
| Earnings coverage of net charge-offs (x) | 30.7667% | 1,559 |
| Efficiency ratio | 71.0598% | 1,744 |
| Assets per employee ($millions) | 6.3990% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 1,968 |
| Loan loss allowance to noncurrent loans | 129.7720% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.5925% | 1,954 |
| Noncurrent loans to loans | 1.0381% | 1,442 |
| Net loans and leases to total assets | 56.3110% | 3,592 |
| Net loans and leases to deposits | 72.6437% | 3,075 |
| Net loans and leases to core deposits | 76.4317% | 3,136 |
| Total domestic deposits to total assets | 77.5166% | 4,263 |
| Equity capital to assets | 15.2344% | 585 |
| Core capital (leverage) ratio | 14.4403% | 638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $362,312,500 | 1,969 |
| Average earning assets | $344,308,000 | 1,943 |
| Average equity | $55,493,500 | 1,531 |
| Average total loans | $197,691,000 | 2,253 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3292% | 4,617 |
| Cost of funding earning assets | 0.8622% | 1,532 |
| Net interest margin | 2.4670% | 4,753 |
| Noninterest income to average assets | 0.9881% | 1,011 |
| Noninterest expense to average assets | 2.4818% | 3,012 |
| Loan and lease loss provision to assets | 0.0420% | 3,753 |
| Net operating income to assets | 0.6743% | 3,488 |
| Return on assets (ROA) | 0.7021% | 3,493 |
| Pretax return on assets | 0.8392% | 3,478 |
| Return on Equity (ROE) | 4.5750% | 3,951 |
| Retained earnings to average equity (ytd only) | 4.5750% | 2,665 |
| Net charge-offs to loans | 0.0490% | 1,781 |
| Credit loss provision to net charge-offs | 159.5745% | 2,079 |
| Earnings coverage of net charge-offs (x) | 32.2340% | 1,376 |
| Efficiency ratio | 74.5293% | 1,414 |
| Assets per employee ($millions) | 6.4949% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 1,755 |
| Loan loss allowance to noncurrent loans | 120.0607% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.6315% | 1,925 |
| Noncurrent loans to loans | 1.1279% | 1,396 |
| Net loans and leases to total assets | 54.5258% | 3,833 |
| Net loans and leases to deposits | 70.3483% | 3,390 |
| Net loans and leases to core deposits | 73.6391% | 3,483 |
| Total domestic deposits to total assets | 77.5083% | 4,254 |
| Equity capital to assets | 15.2399% | 581 |
| Core capital (leverage) ratio | 14.3469% | 680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,236,333 | 1,970 |
| Average earning assets | $339,117,333 | 1,948 |
| Average equity | $54,819,333 | 1,531 |
| Average total loans | $191,754,667 | 2,288 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4288% | 4,710 |
| Cost of funding earning assets | 0.9068% | 1,824 |
| Net interest margin | 2.5220% | 4,812 |
| Noninterest income to average assets | 0.7903% | 1,342 |
| Noninterest expense to average assets | 2.5545% | 3,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5435% | 3,766 |
| Return on assets (ROA) | 0.5554% | 3,785 |
| Pretax return on assets | 0.6409% | 3,837 |
| Return on Equity (ROE) | 3.6061% | 4,066 |
| Retained earnings to average equity (ytd only) | 3.6061% | 2,842 |
| Net charge-offs to loans | -0.0022% | 3,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2867% | 1,111 |
| Assets per employee ($millions) | 6.6852% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 1,571 |
| Loan loss allowance to noncurrent loans | 114.3810% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6729% | 1,979 |
| Noncurrent loans to loans | 1.2539% | 1,303 |
| Net loans and leases to total assets | 52.2382% | 4,100 |
| Net loans and leases to deposits | 67.8455% | 3,736 |
| Net loans and leases to core deposits | 71.3429% | 3,793 |
| Total domestic deposits to total assets | 76.9958% | 4,351 |
| Equity capital to assets | 15.1449% | 732 |
| Core capital (leverage) ratio | 14.7480% | 729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $350,748,500 | 1,957 |
| Average earning assets | $332,590,500 | 1,923 |
| Average equity | $54,019,000 | 1,542 |
| Average total loans | $185,316,000 | 2,304 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6595% | 4,722 |
| Cost of funding earning assets | 0.9010% | 2,185 |
| Net interest margin | 2.7585% | 4,784 |
| Noninterest income to average assets | 0.6644% | 1,945 |
| Noninterest expense to average assets | 2.3866% | 3,719 |
| Loan and lease loss provision to assets | 0.0855% | 2,295 |
| Net operating income to assets | 0.6572% | 3,995 |
| Return on assets (ROA) | 0.7513% | 3,778 |
| Pretax return on assets | 0.9220% | 3,673 |
| Return on Equity (ROE) | 5.0418% | 4,192 |
| Retained earnings to average equity (ytd only) | 5.0418% | 2,391 |
| Net charge-offs to loans | 0.1434% | 1,368 |
| Credit loss provision to net charge-offs | 110.0746% | 2,266 |
| Earnings coverage of net charge-offs (x) | 11.4776% | 2,494 |
| Efficiency ratio | 72.8100% | 1,756 |
| Assets per employee ($millions) | 6.0803% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5298% | 1,143 |
| Loan loss allowance to noncurrent loans | 113.4878% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.7187% | 1,806 |
| Noncurrent loans to loans | 1.3480% | 1,106 |
| Net loans and leases to total assets | 51.8551% | 4,237 |
| Net loans and leases to deposits | 63.6020% | 4,100 |
| Net loans and leases to core deposits | 66.6039% | 4,158 |
| Total domestic deposits to total assets | 81.5305% | 3,635 |
| Equity capital to assets | 15.6727% | 661 |
| Core capital (leverage) ratio | 15.1060% | 663 |
| Tier 1 risk-based capital ratio | 20.3432% | 1,268 |
| Total risk-based capital ratio | 21.4245% | 1,274 |
| Memoranda: | ||
| Average total assets | $345,130,000 | 1,930 |
| Average earning assets | $326,985,000 | 1,891 |
| Average equity | $51,429,800 | 1,560 |
| Average total loans | $186,944,000 | 2,254 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6930% | 4,791 |
| Cost of funding earning assets | 0.9105% | 2,185 |
| Net interest margin | 2.7825% | 4,870 |
| Noninterest income to average assets | 0.5999% | 2,201 |
| Noninterest expense to average assets | 2.3075% | 3,933 |
| Loan and lease loss provision to assets | 0.0077% | 3,733 |
| Net operating income to assets | 0.7423% | 3,873 |
| Return on assets (ROA) | 0.7419% | 3,939 |
| Pretax return on assets | 0.9214% | 3,815 |
| Return on Equity (ROE) | 5.0431% | 4,315 |
| Retained earnings to average equity (ytd only) | 5.0431% | 2,871 |
| Net charge-offs to loans | 0.0120% | 2,932 |
| Credit loss provision to net charge-offs | 117.6471% | 1,986 |
| Earnings coverage of net charge-offs (x) | 141.9757% | 561 |
| Efficiency ratio | 71.2858% | 1,924 |
| Assets per employee ($millions) | 6.4430% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 1,287 |
| Loan loss allowance to noncurrent loans | 100.6664% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.7998% | 1,723 |
| Noncurrent loans to loans | 1.4734% | 1,032 |
| Net loans and leases to total assets | 52.8867% | 4,263 |
| Net loans and leases to deposits | 64.6899% | 4,140 |
| Net loans and leases to core deposits | 67.8670% | 4,181 |
| Total domestic deposits to total assets | 81.7543% | 3,550 |
| Equity capital to assets | 15.4962% | 729 |
| Core capital (leverage) ratio | 14.4438% | 867 |
| Tier 1 risk-based capital ratio | 20.8054% | 1,213 |
| Total risk-based capital ratio | 21.9151% | 1,212 |
| Memoranda: | ||
| Average total assets | $346,288,250 | 1,934 |
| Average earning assets | $328,181,000 | 1,902 |
| Average equity | $50,946,000 | 1,575 |
| Average total loans | $188,853,000 | 2,269 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7104% | 4,820 |
| Cost of funding earning assets | 0.8962% | 2,167 |
| Net interest margin | 2.8142% | 4,917 |
| Noninterest income to average assets | 0.5289% | 2,515 |
| Noninterest expense to average assets | 2.2375% | 4,155 |
| Loan and lease loss provision to assets | 0.0115% | 3,529 |
| Net operating income to assets | 0.7593% | 3,798 |
| Return on assets (ROA) | 0.7589% | 3,864 |
| Pretax return on assets | 0.9457% | 3,724 |
| Return on Equity (ROE) | 5.2496% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.2496% | 2,642 |
| Net charge-offs to loans | 0.0210% | 2,437 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 83.3000% | 787 |
| Efficiency ratio | 70.0252% | 2,223 |
| Assets per employee ($millions) | 6.9354% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4742% | 1,349 |
| Loan loss allowance to noncurrent loans | 134.5716% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 2,245 |
| Noncurrent loans to loans | 1.0955% | 1,497 |
| Net loans and leases to total assets | 52.3638% | 4,333 |
| Net loans and leases to deposits | 64.9016% | 4,168 |
| Net loans and leases to core deposits | 68.9355% | 4,157 |
| Total domestic deposits to total assets | 80.6819% | 3,895 |
| Equity capital to assets | 14.9653% | 821 |
| Core capital (leverage) ratio | 14.3704% | 862 |
| Tier 1 risk-based capital ratio | 20.0037% | 1,352 |
| Total risk-based capital ratio | 21.0834% | 1,352 |
| Memoranda: | ||
| Average total assets | $347,892,000 | 1,941 |
| Average earning assets | $329,614,000 | 1,910 |
| Average equity | $50,289,330 | 1,585 |
| Average total loans | $190,699,000 | 2,255 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7043% | 4,844 |
| Cost of funding earning assets | 0.8770% | 2,115 |
| Net interest margin | 2.8273% | 4,961 |
| Noninterest income to average assets | 0.4511% | 2,849 |
| Noninterest expense to average assets | 2.2132% | 4,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7381% | 3,810 |
| Return on assets (ROA) | 0.7381% | 3,860 |
| Pretax return on assets | 0.9172% | 3,710 |
| Return on Equity (ROE) | 5.1974% | 4,267 |
| Retained earnings to average equity (ytd only) | 5.1974% | 2,817 |
| Net charge-offs to loans | 0.0392% | 1,715 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 42.0526% | 1,122 |
| Efficiency ratio | 70.7004% | 2,240 |
| Assets per employee ($millions) | 6.8336% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 1,662 |
| Loan loss allowance to noncurrent loans | 159.0212% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 2,607 |
| Noncurrent loans to loans | 0.8831% | 1,886 |
| Net loans and leases to total assets | 54.3300% | 4,191 |
| Net loans and leases to deposits | 68.7809% | 3,858 |
| Net loans and leases to core deposits | 73.0974% | 3,861 |
| Total domestic deposits to total assets | 78.9899% | 4,352 |
| Equity capital to assets | 14.4494% | 893 |
| Core capital (leverage) ratio | 14.2582% | 876 |
| Tier 1 risk-based capital ratio | 19.0486% | 1,533 |
| Total risk-based capital ratio | 20.0831% | 1,545 |
| Memoranda: | ||
| Average total assets | $348,454,000 | 1,957 |
| Average earning assets | $330,214,500 | 1,921 |
| Average equity | $49,486,500 | 1,594 |
| Average total loans | $193,899,500 | 2,257 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4486% | 4,965 |
| Cost of funding earning assets | 0.6826% | 2,197 |
| Net interest margin | 2.7660% | 5,053 |
| Noninterest income to average assets | 0.5654% | 2,468 |
| Noninterest expense to average assets | 2.1491% | 4,450 |
| Loan and lease loss provision to assets | 0.0009% | 4,073 |
| Net operating income to assets | 0.8029% | 3,795 |
| Return on assets (ROA) | 0.7823% | 3,872 |
| Pretax return on assets | 1.0019% | 3,597 |
| Return on Equity (ROE) | 5.7057% | 4,265 |
| Retained earnings to average equity (ytd only) | 5.7057% | 2,355 |
| Net charge-offs to loans | 0.0139% | 3,218 |
| Credit loss provision to net charge-offs | 11.5385% | 3,424 |
| Earnings coverage of net charge-offs (x) | 135.1538% | 599 |
| Efficiency ratio | 67.6248% | 2,610 |
| Assets per employee ($millions) | 6.9679% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 1,687 |
| Loan loss allowance to noncurrent loans | 152.3275% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 2,512 |
| Noncurrent loans to loans | 0.9108% | 1,763 |
| Net loans and leases to total assets | 55.4081% | 4,170 |
| Net loans and leases to deposits | 70.0117% | 3,826 |
| Net loans and leases to core deposits | 74.5258% | 3,817 |
| Total domestic deposits to total assets | 79.1412% | 4,283 |
| Equity capital to assets | 13.9540% | 987 |
| Core capital (leverage) ratio | 13.6710% | 1,018 |
| Tier 1 risk-based capital ratio | 19.1039% | 1,502 |
| Total risk-based capital ratio | 20.1624% | 1,496 |
| Memoranda: | ||
| Average total assets | $341,541,200 | 1,947 |
| Average earning assets | $322,592,400 | 1,914 |
| Average equity | $46,830,400 | 1,604 |
| Average total loans | $187,620,600 | 2,273 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3680% | 5,067 |
| Cost of funding earning assets | 0.6320% | 2,260 |
| Net interest margin | 2.7360% | 5,138 |
| Noninterest income to average assets | 0.5673% | 2,484 |
| Noninterest expense to average assets | 2.1359% | 4,472 |
| Loan and lease loss provision to assets | 0.0004% | 3,947 |
| Net operating income to assets | 0.7840% | 3,959 |
| Return on assets (ROA) | 0.7859% | 3,966 |
| Pretax return on assets | 1.0170% | 3,671 |
| Return on Equity (ROE) | 5.7576% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.7576% | 2,787 |
| Net charge-offs to loans | 0.0079% | 3,130 |
| Credit loss provision to net charge-offs | 9.0909% | 3,057 |
| Earnings coverage of net charge-offs (x) | 235.1227% | 391 |
| Efficiency ratio | 67.7873% | 2,578 |
| Assets per employee ($millions) | 7.0249% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3871% | 1,752 |
| Loan loss allowance to noncurrent loans | 155.5872% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.4994% | 2,701 |
| Noncurrent loans to loans | 0.8915% | 1,915 |
| Net loans and leases to total assets | 55.2368% | 4,279 |
| Net loans and leases to deposits | 70.1257% | 3,911 |
| Net loans and leases to core deposits | 74.5046% | 3,911 |
| Total domestic deposits to total assets | 78.7683% | 4,364 |
| Equity capital to assets | 13.3437% | 1,191 |
| Core capital (leverage) ratio | 13.7449% | 1,013 |
| Tier 1 risk-based capital ratio | 18.7443% | 1,600 |
| Total risk-based capital ratio | 19.8027% | 1,609 |
| Memoranda: | ||
| Average total assets | $339,827,750 | 1,961 |
| Average earning assets | $320,896,000 | 1,935 |
| Average equity | $46,384,250 | 1,620 |
| Average total loans | $185,587,000 | 2,298 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3135% | 5,128 |
| Cost of funding earning assets | 0.5835% | 2,341 |
| Net interest margin | 2.7300% | 5,191 |
| Noninterest income to average assets | 0.5803% | 2,432 |
| Noninterest expense to average assets | 2.1588% | 4,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7751% | 3,935 |
| Return on assets (ROA) | 0.7779% | 3,932 |
| Pretax return on assets | 0.9981% | 3,667 |
| Return on Equity (ROE) | 5.6552% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.6552% | 2,745 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4598% | 2,566 |
| Assets per employee ($millions) | 6.7126% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 1,545 |
| Loan loss allowance to noncurrent loans | 157.9585% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.5065% | 2,728 |
| Noncurrent loans to loans | 0.9195% | 1,884 |
| Net loans and leases to total assets | 54.2850% | 4,315 |
| Net loans and leases to deposits | 68.7357% | 3,966 |
| Net loans and leases to core deposits | 72.2171% | 3,993 |
| Total domestic deposits to total assets | 78.9765% | 4,431 |
| Equity capital to assets | 13.5799% | 1,071 |
| Core capital (leverage) ratio | 14.0724% | 893 |
| Tier 1 risk-based capital ratio | 18.9406% | 1,559 |
| Total risk-based capital ratio | 20.0297% | 1,561 |
| Memoranda: | ||
| Average total assets | $336,022,330 | 1,982 |
| Average earning assets | $316,700,000 | 1,957 |
| Average equity | $46,222,670 | 1,626 |
| Average total loans | $181,867,670 | 2,340 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2453% | 5,198 |
| Cost of funding earning assets | 0.5426% | 2,461 |
| Net interest margin | 2.7027% | 5,253 |
| Noninterest income to average assets | 0.6357% | 2,099 |
| Noninterest expense to average assets | 2.1402% | 4,557 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8139% | 3,652 |
| Return on assets (ROA) | 0.8196% | 3,642 |
| Pretax return on assets | 1.0527% | 3,348 |
| Return on Equity (ROE) | 5.9190% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.9190% | 2,748 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1822% | 2,968 |
| Assets per employee ($millions) | 6.6802% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 1,455 |
| Loan loss allowance to noncurrent loans | 145.1510% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 2,633 |
| Noncurrent loans to loans | 1.0359% | 1,766 |
| Net loans and leases to total assets | 53.7199% | 4,310 |
| Net loans and leases to deposits | 66.7865% | 4,035 |
| Net loans and leases to core deposits | 70.0119% | 4,080 |
| Total domestic deposits to total assets | 80.4353% | 4,337 |
| Equity capital to assets | 13.7804% | 951 |
| Core capital (leverage) ratio | 14.2553% | 817 |
| Tier 1 risk-based capital ratio | 19.6659% | 1,402 |
| Total risk-based capital ratio | 20.8117% | 1,393 |
| Memoranda: | ||
| Average total assets | $332,861,000 | 2,006 |
| Average earning assets | $314,053,500 | 1,981 |
| Average equity | $46,089,000 | 1,642 |
| Average total loans | $178,511,000 | 2,376 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2047% | 5,183 |
| Cost of funding earning assets | 0.4815% | 2,489 |
| Net interest margin | 2.7232% | 5,255 |
| Noninterest income to average assets | 0.4931% | 3,042 |
| Noninterest expense to average assets | 2.1933% | 4,543 |
| Loan and lease loss provision to assets | 0.1925% | 1,090 |
| Net operating income to assets | 0.4767% | 4,439 |
| Return on assets (ROA) | 0.4940% | 4,425 |
| Pretax return on assets | 0.6979% | 4,513 |
| Return on Equity (ROE) | 3.6176% | 4,640 |
| Retained earnings to average equity (ytd only) | 3.6176% | 3,092 |
| Net charge-offs to loans | 0.4295% | 567 |
| Credit loss provision to net charge-offs | 83.1606% | 2,897 |
| Earnings coverage of net charge-offs (x) | 3.7409% | 3,563 |
| Efficiency ratio | 71.6891% | 2,278 |
| Assets per employee ($millions) | 7.2111% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 1,223 |
| Loan loss allowance to noncurrent loans | 144.6910% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6310% | 2,435 |
| Noncurrent loans to loans | 1.0826% | 1,640 |
| Net loans and leases to total assets | 51.8866% | 4,521 |
| Net loans and leases to deposits | 63.9299% | 4,321 |
| Net loans and leases to core deposits | 66.7748% | 4,376 |
| Total domestic deposits to total assets | 81.1617% | 4,079 |
| Equity capital to assets | 13.9127% | 938 |
| Core capital (leverage) ratio | 13.9270% | 852 |
| Tier 1 risk-based capital ratio | 20.0804% | 1,303 |
| Total risk-based capital ratio | 21.2676% | 1,280 |
| Memoranda: | ||
| Average total assets | $333,422,200 | 1,989 |
| Average earning assets | $314,225,400 | 1,965 |
| Average equity | $45,528,000 | 1,649 |
| Average total loans | $179,761,600 | 2,334 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1841% | 5,249 |
| Cost of funding earning assets | 0.4712% | 2,509 |
| Net interest margin | 2.7129% | 5,311 |
| Noninterest income to average assets | 0.4932% | 3,065 |
| Noninterest expense to average assets | 2.2125% | 4,499 |
| Loan and lease loss provision to assets | 0.2085% | 907 |
| Net operating income to assets | 0.4762% | 4,805 |
| Return on assets (ROA) | 0.5008% | 4,764 |
| Pretax return on assets | 0.6614% | 4,697 |
| Return on Equity (ROE) | 3.6850% | 4,943 |
| Retained earnings to average equity (ytd only) | 3.6850% | 3,733 |
| Net charge-offs to loans | 0.5275% | 383 |
| Credit loss provision to net charge-offs | 72.9050% | 2,671 |
| Earnings coverage of net charge-offs (x) | 2.9288% | 3,406 |
| Efficiency ratio | 72.5416% | 2,131 |
| Assets per employee ($millions) | 6.8684% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 1,616 |
| Loan loss allowance to noncurrent loans | 144.3605% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.6213% | 2,652 |
| Noncurrent loans to loans | 1.0231% | 1,900 |
| Net loans and leases to total assets | 53.0206% | 4,491 |
| Net loans and leases to deposits | 65.8482% | 4,264 |
| Net loans and leases to core deposits | 68.8952% | 4,309 |
| Total domestic deposits to total assets | 80.5195% | 4,201 |
| Equity capital to assets | 13.7084% | 1,073 |
| Core capital (leverage) ratio | 13.8372% | 930 |
| Tier 1 risk-based capital ratio | 19.5601% | 1,461 |
| Total risk-based capital ratio | 20.6995% | 1,454 |
| Memoranda: | ||
| Average total assets | $333,849,750 | 1,996 |
| Average earning assets | $314,641,000 | 1,977 |
| Average equity | $45,372,500 | 1,670 |
| Average total loans | $180,988,750 | 2,324 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1643% | 5,285 |
| Cost of funding earning assets | 0.4609% | 2,499 |
| Net interest margin | 2.7034% | 5,355 |
| Noninterest income to average assets | 0.4992% | 3,034 |
| Noninterest expense to average assets | 2.2250% | 4,516 |
| Loan and lease loss provision to assets | 0.2042% | 891 |
| Net operating income to assets | 0.4657% | 4,810 |
| Return on assets (ROA) | 0.5022% | 4,737 |
| Pretax return on assets | 0.6662% | 4,644 |
| Return on Equity (ROE) | 3.7058% | 4,911 |
| Retained earnings to average equity (ytd only) | 3.7058% | 3,492 |
| Net charge-offs to loans | 0.2222% | 917 |
| Credit loss provision to net charge-offs | 169.1542% | 1,409 |
| Earnings coverage of net charge-offs (x) | 6.8060% | 2,667 |
| Efficiency ratio | 73.0284% | 2,181 |
| Assets per employee ($millions) | 6.8492% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6411% | 1,175 |
| Loan loss allowance to noncurrent loans | 101.2795% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.8963% | 1,976 |
| Noncurrent loans to loans | 1.6203% | 1,139 |
| Net loans and leases to total assets | 53.7189% | 4,419 |
| Net loans and leases to deposits | 66.8971% | 4,155 |
| Net loans and leases to core deposits | 70.0049% | 4,228 |
| Total domestic deposits to total assets | 80.3008% | 4,349 |
| Equity capital to assets | 13.6369% | 1,092 |
| Core capital (leverage) ratio | 13.7238% | 937 |
| Tier 1 risk-based capital ratio | 19.1633% | 1,557 |
| Total risk-based capital ratio | 20.4137% | 1,505 |
| Memoranda: | ||
| Average total assets | $332,949,000 | 2,010 |
| Average earning assets | $313,749,330 | 1,989 |
| Average equity | $45,118,000 | 1,676 |
| Average total loans | $180,946,000 | 2,331 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1236% | 5,339 |
| Cost of funding earning assets | 0.4576% | 2,455 |
| Net interest margin | 2.6660% | 5,428 |
| Noninterest income to average assets | 0.4427% | 3,354 |
| Noninterest expense to average assets | 2.2025% | 4,634 |
| Loan and lease loss provision to assets | 0.1930% | 864 |
| Net operating income to assets | 0.4102% | 4,919 |
| Return on assets (ROA) | 0.4825% | 4,689 |
| Pretax return on assets | 0.6538% | 4,584 |
| Return on Equity (ROE) | 3.5719% | 4,931 |
| Retained earnings to average equity (ytd only) | 3.5719% | 3,655 |
| Net charge-offs to loans | 0.0022% | 2,888 |
| Credit loss provision to net charge-offs | 16,000.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 621.0000% | 86 |
| Efficiency ratio | 74.6220% | 2,119 |
| Assets per employee ($millions) | 6.9212% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6796% | 1,186 |
| Loan loss allowance to noncurrent loans | 120.1984% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.7700% | 2,376 |
| Noncurrent loans to loans | 1.3974% | 1,447 |
| Net loans and leases to total assets | 53.3723% | 4,386 |
| Net loans and leases to deposits | 67.6699% | 4,021 |
| Net loans and leases to core deposits | 69.6226% | 4,174 |
| Total domestic deposits to total assets | 78.8716% | 4,844 |
| Equity capital to assets | 13.5625% | 1,050 |
| Core capital (leverage) ratio | 13.6756% | 921 |
| Tier 1 risk-based capital ratio | 19.4047% | 1,514 |
| Total risk-based capital ratio | 20.6554% | 1,489 |
| Memoranda: | ||
| Average total assets | $331,617,500 | 2,034 |
| Average earning assets | $312,073,000 | 2,015 |
| Average equity | $44,793,500 | 1,691 |
| Average total loans | $179,771,500 | 2,365 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0988% | 5,405 |
| Cost of funding earning assets | 0.4344% | 2,661 |
| Net interest margin | 2.6643% | 5,456 |
| Noninterest income to average assets | 0.6702% | 2,315 |
| Noninterest expense to average assets | 2.2058% | 4,756 |
| Loan and lease loss provision to assets | 0.0519% | 3,350 |
| Net operating income to assets | 0.6445% | 4,021 |
| Return on assets (ROA) | 0.6534% | 4,101 |
| Pretax return on assets | 0.9275% | 3,744 |
| Return on Equity (ROE) | 4.6542% | 4,586 |
| Retained earnings to average equity (ytd only) | 4.6542% | 2,582 |
| Net charge-offs to loans | 0.2740% | 1,009 |
| Credit loss provision to net charge-offs | 36.3636% | 3,530 |
| Earnings coverage of net charge-offs (x) | 6.7716% | 3,125 |
| Efficiency ratio | 69.5270% | 2,990 |
| Assets per employee ($millions) | 6.7555% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6010% | 1,373 |
| Loan loss allowance to noncurrent loans | 112.6866% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 2,369 |
| Noncurrent loans to loans | 1.4207% | 1,431 |
| Net loans and leases to total assets | 53.2699% | 4,505 |
| Net loans and leases to deposits | 68.0386% | 4,081 |
| Net loans and leases to core deposits | 69.8830% | 4,253 |
| Total domestic deposits to total assets | 78.2936% | 4,932 |
| Equity capital to assets | 13.4524% | 1,075 |
| Core capital (leverage) ratio | 13.7842% | 873 |
| Tier 1 risk-based capital ratio | 19.2926% | 1,525 |
| Total risk-based capital ratio | 20.5318% | 1,488 |
| Memoranda: | ||
| Average total assets | $315,898,400 | 2,088 |
| Average earning assets | $296,699,400 | 2,068 |
| Average equity | $44,347,200 | 1,679 |
| Average total loans | $164,589,400 | 2,470 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0979% | 5,472 |
| Cost of funding earning assets | 0.4319% | 2,716 |
| Net interest margin | 2.6660% | 5,529 |
| Noninterest income to average assets | 0.6724% | 2,301 |
| Noninterest expense to average assets | 2.1786% | 4,818 |
| Loan and lease loss provision to assets | 0.0402% | 3,439 |
| Net operating income to assets | 0.6657% | 4,017 |
| Return on assets (ROA) | 0.6775% | 4,100 |
| Pretax return on assets | 0.9757% | 3,717 |
| Return on Equity (ROE) | 4.7732% | 4,614 |
| Retained earnings to average equity (ytd only) | 4.7732% | 2,977 |
| Net charge-offs to loans | 0.1665% | 1,376 |
| Credit loss provision to net charge-offs | 46.7662% | 3,077 |
| Earnings coverage of net charge-offs (x) | 11.6320% | 2,469 |
| Efficiency ratio | 68.5668% | 3,127 |
| Assets per employee ($millions) | 6.6782% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8129% | 993 |
| Loan loss allowance to noncurrent loans | 180.4734% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.6916% | 2,841 |
| Noncurrent loans to loans | 1.0045% | 2,236 |
| Net loans and leases to total assets | 51.5328% | 4,687 |
| Net loans and leases to deposits | 62.6518% | 4,585 |
| Net loans and leases to core deposits | 64.3854% | 4,708 |
| Total domestic deposits to total assets | 82.2527% | 3,855 |
| Equity capital to assets | 14.1486% | 983 |
| Core capital (leverage) ratio | 14.0439% | 832 |
| Tier 1 risk-based capital ratio | 20.4320% | 1,365 |
| Total risk-based capital ratio | 21.6836% | 1,332 |
| Memoranda: | ||
| Average total assets | $312,118,500 | 2,107 |
| Average earning assets | $293,262,250 | 2,091 |
| Average equity | $44,301,500 | 1,686 |
| Average total loans | $160,936,250 | 2,514 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0897% | 5,560 |
| Cost of funding earning assets | 0.4302% | 2,736 |
| Net interest margin | 2.6595% | 5,608 |
| Noninterest income to average assets | 0.5832% | 2,708 |
| Noninterest expense to average assets | 2.2276% | 4,780 |
| Loan and lease loss provision to assets | 0.0414% | 3,328 |
| Net operating income to assets | 0.5746% | 4,378 |
| Return on assets (ROA) | 0.5929% | 4,430 |
| Pretax return on assets | 0.8387% | 4,162 |
| Return on Equity (ROE) | 4.1729% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.1729% | 3,249 |
| Net charge-offs to loans | 0.2461% | 961 |
| Credit loss provision to net charge-offs | 32.8205% | 2,832 |
| Earnings coverage of net charge-offs (x) | 6.7744% | 2,706 |
| Efficiency ratio | 72.2828% | 2,606 |
| Assets per employee ($millions) | 6.4201% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8543% | 974 |
| Loan loss allowance to noncurrent loans | 188.5910% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.8449% | 2,481 |
| Noncurrent loans to loans | 0.9832% | 2,310 |
| Net loans and leases to total assets | 50.8951% | 4,773 |
| Net loans and leases to deposits | 61.9231% | 4,660 |
| Net loans and leases to core deposits | 63.4988% | 4,778 |
| Total domestic deposits to total assets | 82.1909% | 3,939 |
| Equity capital to assets | 14.2037% | 961 |
| Core capital (leverage) ratio | 14.1733% | 781 |
| Tier 1 risk-based capital ratio | 20.7089% | 1,308 |
| Total risk-based capital ratio | 21.9614% | 1,291 |
| Memoranda: | ||
| Average total assets | $309,306,330 | 2,126 |
| Average earning assets | $290,578,330 | 2,112 |
| Average equity | $43,950,670 | 1,701 |
| Average total loans | $158,501,330 | 2,552 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0963% | 5,612 |
| Cost of funding earning assets | 0.4348% | 2,724 |
| Net interest margin | 2.6615% | 5,654 |
| Noninterest income to average assets | 0.4996% | 3,114 |
| Noninterest expense to average assets | 2.2565% | 4,767 |
| Loan and lease loss provision to assets | 0.0430% | 3,058 |
| Net operating income to assets | 0.4990% | 4,633 |
| Return on assets (ROA) | 0.5361% | 4,590 |
| Pretax return on assets | 0.7513% | 4,363 |
| Return on Equity (ROE) | 3.7720% | 4,970 |
| Retained earnings to average equity (ytd only) | 3.7720% | 3,610 |
| Net charge-offs to loans | 0.0896% | 1,609 |
| Credit loss provision to net charge-offs | 94.2857% | 1,722 |
| Earnings coverage of net charge-offs (x) | 16.2571% | 1,628 |
| Efficiency ratio | 75.2501% | 2,286 |
| Assets per employee ($millions) | 5.8928% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0200% | 791 |
| Loan loss allowance to noncurrent loans | 132.0771% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.0032% | 2,202 |
| Noncurrent loans to loans | 1.5294% | 1,530 |
| Net loans and leases to total assets | 49.9245% | 4,810 |
| Net loans and leases to deposits | 59.6742% | 4,737 |
| Net loans and leases to core deposits | 61.1419% | 4,862 |
| Total domestic deposits to total assets | 83.6617% | 3,652 |
| Equity capital to assets | 14.3460% | 868 |
| Core capital (leverage) ratio | 14.1410% | 782 |
| Tier 1 risk-based capital ratio | 21.4815% | 1,235 |
| Total risk-based capital ratio | 22.7355% | 1,213 |
| Memoranda: | ||
| Average total assets | $306,666,500 | 2,148 |
| Average earning assets | $287,961,000 | 2,138 |
| Average equity | $43,584,500 | 1,711 |
| Average total loans | $156,185,000 | 2,568 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1183% | 5,614 |
| Cost of funding earning assets | 0.4464% | 2,663 |
| Net interest margin | 2.6719% | 5,681 |
| Noninterest income to average assets | 0.7000% | 2,201 |
| Noninterest expense to average assets | 2.3722% | 4,583 |
| Loan and lease loss provision to assets | 0.0629% | 3,037 |
| Net operating income to assets | 0.5526% | 4,485 |
| Return on assets (ROA) | 0.5526% | 4,581 |
| Pretax return on assets | 0.7727% | 4,284 |
| Return on Equity (ROE) | 3.9463% | 4,968 |
| Retained earnings to average equity (ytd only) | 3.9463% | 3,229 |
| Net charge-offs to loans | 0.1481% | 1,884 |
| Credit loss provision to net charge-offs | 83.4783% | 2,885 |
| Earnings coverage of net charge-offs (x) | 11.0913% | 2,621 |
| Efficiency ratio | 73.9508% | 2,588 |
| Assets per employee ($millions) | 5.6834% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0200% | 775 |
| Loan loss allowance to noncurrent loans | 167.6049% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.7817% | 2,726 |
| Noncurrent loans to loans | 1.2052% | 1,958 |
| Net loans and leases to total assets | 49.8778% | 4,880 |
| Net loans and leases to deposits | 59.5176% | 4,802 |
| Net loans and leases to core deposits | 61.1363% | 4,921 |
| Total domestic deposits to total assets | 83.8035% | 3,562 |
| Equity capital to assets | 14.0789% | 907 |
| Core capital (leverage) ratio | 13.9343% | 844 |
| Tier 1 risk-based capital ratio | 21.8772% | 1,166 |
| Total risk-based capital ratio | 23.1317% | 1,144 |
| Memoranda: | ||
| Average total assets | $305,280,400 | 2,119 |
| Average earning assets | $286,537,400 | 2,092 |
| Average equity | $42,749,000 | 1,710 |
| Average total loans | $155,309,800 | 2,523 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1108% | 5,695 |
| Cost of funding earning assets | 0.4488% | 2,699 |
| Net interest margin | 2.6620% | 5,767 |
| Noninterest income to average assets | 0.7505% | 2,023 |
| Noninterest expense to average assets | 2.3581% | 4,630 |
| Loan and lease loss provision to assets | 0.0770% | 2,650 |
| Net operating income to assets | 0.5773% | 4,495 |
| Return on assets (ROA) | 0.5773% | 4,584 |
| Pretax return on assets | 0.8161% | 4,287 |
| Return on Equity (ROE) | 4.1281% | 4,983 |
| Retained earnings to average equity (ytd only) | 4.1281% | 3,530 |
| Net charge-offs to loans | 0.0593% | 2,759 |
| Credit loss provision to net charge-offs | 255.0725% | 1,119 |
| Earnings coverage of net charge-offs (x) | 29.5935% | 1,509 |
| Efficiency ratio | 72.5316% | 2,785 |
| Assets per employee ($millions) | 6.0030% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1264% | 732 |
| Loan loss allowance to noncurrent loans | 175.7721% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.7905% | 2,913 |
| Noncurrent loans to loans | 1.2097% | 2,116 |
| Net loans and leases to total assets | 49.6286% | 4,960 |
| Net loans and leases to deposits | 58.3709% | 4,967 |
| Net loans and leases to core deposits | 59.8800% | 5,073 |
| Total domestic deposits to total assets | 85.0229% | 2,996 |
| Equity capital to assets | 14.1354% | 968 |
| Core capital (leverage) ratio | 13.7649% | 922 |
| Tier 1 risk-based capital ratio | 22.0815% | 1,185 |
| Total risk-based capital ratio | 23.3380% | 1,162 |
| Memoranda: | ||
| Average total assets | $304,874,000 | 2,132 |
| Average earning assets | $286,391,500 | 2,105 |
| Average equity | $42,634,000 | 1,730 |
| Average total loans | $155,078,750 | 2,545 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1215% | 5,718 |
| Cost of funding earning assets | 0.4507% | 2,715 |
| Net interest margin | 2.6708% | 5,801 |
| Noninterest income to average assets | 0.7831% | 1,851 |
| Noninterest expense to average assets | 2.3590% | 4,695 |
| Loan and lease loss provision to assets | 0.0854% | 2,408 |
| Net operating income to assets | 0.5945% | 4,373 |
| Return on assets (ROA) | 0.5945% | 4,464 |
| Pretax return on assets | 0.8455% | 4,140 |
| Return on Equity (ROE) | 4.2669% | 4,917 |
| Retained earnings to average equity (ytd only) | 4.2669% | 3,308 |
| Net charge-offs to loans | 0.0877% | 2,158 |
| Credit loss provision to net charge-offs | 191.1765% | 1,282 |
| Earnings coverage of net charge-offs (x) | 20.8382% | 1,702 |
| Efficiency ratio | 71.7053% | 3,039 |
| Assets per employee ($millions) | 5.8519% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1238% | 819 |
| Loan loss allowance to noncurrent loans | 211.8412% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.7486% | 3,144 |
| Noncurrent loans to loans | 1.0026% | 2,640 |
| Net loans and leases to total assets | 49.3105% | 4,994 |
| Net loans and leases to deposits | 58.3599% | 4,967 |
| Net loans and leases to core deposits | 59.9481% | 5,077 |
| Total domestic deposits to total assets | 84.4939% | 3,349 |
| Equity capital to assets | 14.0220% | 976 |
| Core capital (leverage) ratio | 13.6996% | 929 |
| Tier 1 risk-based capital ratio | 23.4522% | 1,016 |
| Total risk-based capital ratio | 24.7106% | 1,003 |
| Memoranda: | ||
| Average total assets | $304,447,330 | 2,154 |
| Average earning assets | $285,761,670 | 2,124 |
| Average equity | $42,420,000 | 1,744 |
| Average total loans | $155,024,670 | 2,553 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1588% | 5,711 |
| Cost of funding earning assets | 0.4539% | 2,734 |
| Net interest margin | 2.7049% | 5,794 |
| Noninterest income to average assets | 0.7842% | 1,765 |
| Noninterest expense to average assets | 2.3276% | 4,801 |
| Loan and lease loss provision to assets | 0.0722% | 2,490 |
| Net operating income to assets | 0.6410% | 4,084 |
| Return on assets (ROA) | 0.6410% | 4,203 |
| Pretax return on assets | 0.9208% | 3,811 |
| Return on Equity (ROE) | 4.6151% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.6151% | 3,261 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0949% | 3,471 |
| Assets per employee ($millions) | 5.8507% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0725% | 960 |
| Loan loss allowance to noncurrent loans | 150.9057% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 1.0893% | 2,444 |
| Noncurrent loans to loans | 1.3734% | 2,092 |
| Net loans and leases to total assets | 50.4607% | 4,799 |
| Net loans and leases to deposits | 60.9231% | 4,667 |
| Net loans and leases to core deposits | 62.6582% | 4,803 |
| Total domestic deposits to total assets | 82.8269% | 4,227 |
| Equity capital to assets | 14.0506% | 974 |
| Core capital (leverage) ratio | 13.5734% | 947 |
| Tier 1 risk-based capital ratio | 23.7016% | 1,022 |
| Total risk-based capital ratio | 24.9587% | 1,012 |
| Memoranda: | ||
| Average total assets | $304,521,000 | 2,171 |
| Average earning assets | $285,551,500 | 2,137 |
| Average equity | $42,295,500 | 1,756 |
| Average total loans | $155,883,000 | 2,543 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2055% | 5,832 |
| Cost of funding earning assets | 0.4888% | 2,786 |
| Net interest margin | 2.7167% | 5,916 |
| Noninterest income to average assets | 0.4804% | 3,650 |
| Noninterest expense to average assets | 2.2077% | 5,334 |
| Loan and lease loss provision to assets | 0.0677% | 3,133 |
| Net operating income to assets | 0.5375% | 4,650 |
| Return on assets (ROA) | 0.5375% | 4,737 |
| Pretax return on assets | 0.7501% | 4,440 |
| Return on Equity (ROE) | 3.9892% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.9892% | 3,375 |
| Net charge-offs to loans | 0.5692% | 714 |
| Credit loss provision to net charge-offs | 23.7269% | 3,927 |
| Earnings coverage of net charge-offs (x) | 2.8669% | 4,041 |
| Efficiency ratio | 72.9703% | 3,040 |
| Assets per employee ($millions) | 6.0961% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0607% | 1,008 |
| Loan loss allowance to noncurrent loans | 175.4945% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 1.0715% | 2,602 |
| Noncurrent loans to loans | 1.1742% | 2,486 |
| Net loans and leases to total assets | 49.8033% | 4,995 |
| Net loans and leases to deposits | 60.8668% | 4,820 |
| Net loans and leases to core deposits | 62.6493% | 4,948 |
| Total domestic deposits to total assets | 81.8235% | 4,482 |
| Equity capital to assets | 13.7281% | 1,058 |
| Core capital (leverage) ratio | 13.3963% | 1,002 |
| Tier 1 risk-based capital ratio | 24.3958% | 906 |
| Total risk-based capital ratio | 25.6538% | 885 |
| Memoranda: | ||
| Average total assets | $302,899,200 | 2,148 |
| Average earning assets | $283,759,000 | 2,097 |
| Average equity | $40,810,200 | 1,750 |
| Average total loans | $151,803,000 | 2,548 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2054% | 5,894 |
| Cost of funding earning assets | 0.4963% | 2,800 |
| Net interest margin | 2.7091% | 5,996 |
| Noninterest income to average assets | 0.4149% | 4,138 |
| Noninterest expense to average assets | 2.1748% | 5,398 |
| Loan and lease loss provision to assets | 0.0406% | 3,597 |
| Net operating income to assets | 0.5304% | 4,759 |
| Return on assets (ROA) | 0.5304% | 4,832 |
| Pretax return on assets | 0.7385% | 4,564 |
| Return on Equity (ROE) | 3.9553% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.9553% | 3,831 |
| Net charge-offs to loans | 0.4159% | 953 |
| Credit loss provision to net charge-offs | 19.5329% | 3,582 |
| Earnings coverage of net charge-offs (x) | 3.7516% | 3,599 |
| Efficiency ratio | 73.6269% | 2,881 |
| Assets per employee ($millions) | 6.1000% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2606% | 868 |
| Loan loss allowance to noncurrent loans | 130.3076% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 1.3128% | 2,358 |
| Noncurrent loans to loans | 1.7348% | 1,867 |
| Net loans and leases to total assets | 49.2462% | 5,083 |
| Net loans and leases to deposits | 58.7167% | 5,042 |
| Net loans and leases to core deposits | 60.7272% | 5,141 |
| Total domestic deposits to total assets | 83.8709% | 3,808 |
| Equity capital to assets | 13.5622% | 1,155 |
| Core capital (leverage) ratio | 13.2147% | 1,095 |
| Tier 1 risk-based capital ratio | 24.5862% | 917 |
| Total risk-based capital ratio | 25.8468% | 906 |
| Memoranda: | ||
| Average total assets | $302,422,750 | 2,160 |
| Average earning assets | $283,434,250 | 2,117 |
| Average equity | $40,551,750 | 1,771 |
| Average total loans | $151,004,500 | 2,563 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1221% | 6,038 |
| Cost of funding earning assets | 0.5064% | 2,767 |
| Net interest margin | 2.6157% | 6,153 |
| Noninterest income to average assets | 0.4112% | 4,162 |
| Noninterest expense to average assets | 2.1813% | 5,461 |
| Loan and lease loss provision to assets | 0.0405% | 3,506 |
| Net operating income to assets | 0.4689% | 4,932 |
| Return on assets (ROA) | 0.4689% | 5,008 |
| Pretax return on assets | 0.6387% | 4,822 |
| Return on Equity (ROE) | 3.5104% | 5,343 |
| Retained earnings to average equity (ytd only) | 3.5104% | 3,968 |
| Net charge-offs to loans | 0.6075% | 662 |
| Credit loss provision to net charge-offs | 13.3772% | 3,275 |
| Earnings coverage of net charge-offs (x) | 2.2456% | 3,593 |
| Efficiency ratio | 76.2578% | 2,575 |
| Assets per employee ($millions) | 6.1807% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2777% | 923 |
| Loan loss allowance to noncurrent loans | 113.0435% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.7583% | 1,849 |
| Noncurrent loans to loans | 2.0149% | 1,680 |
| Net loans and leases to total assets | 48.9880% | 5,079 |
| Net loans and leases to deposits | 58.2215% | 5,024 |
| Net loans and leases to core deposits | 60.1507% | 5,128 |
| Total domestic deposits to total assets | 84.1406% | 3,877 |
| Equity capital to assets | 13.5289% | 1,146 |
| Core capital (leverage) ratio | 13.1704% | 1,099 |
| Tier 1 risk-based capital ratio | 24.8181% | 889 |
| Total risk-based capital ratio | 26.0794% | 880 |
| Memoranda: | ||
| Average total assets | $301,563,000 | 2,164 |
| Average earning assets | $282,373,670 | 2,119 |
| Average equity | $40,280,670 | 1,769 |
| Average total loans | $150,114,000 | 2,575 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1015% | 6,120 |
| Cost of funding earning assets | 0.5138% | 2,770 |
| Net interest margin | 2.5877% | 6,252 |
| Noninterest income to average assets | 0.4054% | 4,146 |
| Noninterest expense to average assets | 2.1840% | 5,496 |
| Loan and lease loss provision to assets | 0.0399% | 3,280 |
| Net operating income to assets | 0.4493% | 4,932 |
| Return on assets (ROA) | 0.4493% | 5,005 |
| Pretax return on assets | 0.6048% | 4,815 |
| Return on Equity (ROE) | 3.3855% | 5,322 |
| Retained earnings to average equity (ytd only) | 3.3855% | 4,098 |
| Net charge-offs to loans | 1.0746% | 309 |
| Credit loss provision to net charge-offs | 7.4813% | 2,629 |
| Earnings coverage of net charge-offs (x) | 1.2095% | 3,145 |
| Efficiency ratio | 77.2086% | 2,610 |
| Assets per employee ($millions) | 6.1261% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3248% | 990 |
| Loan loss allowance to noncurrent loans | 100.1438% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 2.0391% | 1,665 |
| Noncurrent loans to loans | 2.3214% | 1,528 |
| Net loans and leases to total assets | 48.7361% | 5,033 |
| Net loans and leases to deposits | 58.1172% | 4,928 |
| Net loans and leases to core deposits | 60.2326% | 5,019 |
| Total domestic deposits to total assets | 83.8584% | 4,324 |
| Equity capital to assets | 13.4076% | 1,137 |
| Core capital (leverage) ratio | 13.1712% | 1,100 |
| Tier 1 risk-based capital ratio | 25.2858% | 860 |
| Total risk-based capital ratio | 26.4879% | 846 |
| Memoranda: | ||
| Average total assets | $300,916,500 | 2,175 |
| Average earning assets | $281,797,500 | 2,133 |
| Average equity | $39,934,500 | 1,771 |
| Average total loans | $149,260,500 | 2,600 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2028% | 6,128 |
| Cost of funding earning assets | 0.6055% | 2,610 |
| Net interest margin | 2.5973% | 6,266 |
| Noninterest income to average assets | 0.5698% | 3,272 |
| Noninterest expense to average assets | 2.1951% | 5,641 |
| Loan and lease loss provision to assets | 0.1191% | 2,826 |
| Net operating income to assets | 0.4892% | 4,777 |
| Return on assets (ROA) | 0.5369% | 4,699 |
| Pretax return on assets | 0.7377% | 4,389 |
| Return on Equity (ROE) | 4.0663% | 5,079 |
| Retained earnings to average equity (ytd only) | 4.0663% | 3,291 |
| Net charge-offs to loans | 0.5519% | 1,198 |
| Credit loss provision to net charge-offs | 42.2353% | 3,991 |
| Earnings coverage of net charge-offs (x) | 2.8059% | 4,069 |
| Efficiency ratio | 73.5000% | 3,217 |
| Assets per employee ($millions) | 6.2844% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5904% | 731 |
| Loan loss allowance to noncurrent loans | 81.8742% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 2.1949% | 1,631 |
| Noncurrent loans to loans | 3.1638% | 1,082 |
| Net loans and leases to total assets | 48.0320% | 5,290 |
| Net loans and leases to deposits | 57.1576% | 5,195 |
| Net loans and leases to core deposits | 59.5532% | 5,252 |
| Total domestic deposits to total assets | 84.0343% | 4,160 |
| Equity capital to assets | 13.1350% | 1,215 |
| Core capital (leverage) ratio | 12.7955% | 1,223 |
| Tier 1 risk-based capital ratio | 25.0809% | 840 |
| Total risk-based capital ratio | 26.3468% | 832 |
| Memoranda: | ||
| Average total assets | $301,355,800 | 2,138 |
| Average earning assets | $280,410,400 | 2,111 |
| Average equity | $39,790,800 | 1,753 |
| Average total loans | $154,025,000 | 2,503 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2266% | 6,162 |
| Cost of funding earning assets | 0.6270% | 2,580 |
| Net interest margin | 2.5996% | 6,315 |
| Noninterest income to average assets | 0.5709% | 3,324 |
| Noninterest expense to average assets | 2.1362% | 5,755 |
| Loan and lease loss provision to assets | 0.1133% | 2,875 |
| Net operating income to assets | 0.5254% | 4,685 |
| Return on assets (ROA) | 0.5873% | 4,534 |
| Pretax return on assets | 0.8231% | 4,209 |
| Return on Equity (ROE) | 4.4418% | 5,004 |
| Retained earnings to average equity (ytd only) | 4.4418% | 3,511 |
| Net charge-offs to loans | 0.6257% | 986 |
| Credit loss provision to net charge-offs | 35.1166% | 3,802 |
| Earnings coverage of net charge-offs (x) | 2.6324% | 3,959 |
| Efficiency ratio | 71.5535% | 3,496 |
| Assets per employee ($millions) | 6.1128% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5652% | 870 |
| Loan loss allowance to noncurrent loans | 81.7702% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 2.5196% | 1,522 |
| Noncurrent loans to loans | 3.1371% | 1,260 |
| Net loans and leases to total assets | 49.0881% | 5,240 |
| Net loans and leases to deposits | 56.9271% | 5,289 |
| Net loans and leases to core deposits | 59.2138% | 5,359 |
| Total domestic deposits to total assets | 86.2296% | 3,118 |
| Equity capital to assets | 13.1818% | 1,248 |
| Core capital (leverage) ratio | 12.7036% | 1,322 |
| Tier 1 risk-based capital ratio | 24.3500% | 948 |
| Total risk-based capital ratio | 25.6153% | 926 |
| Memoranda: | ||
| Average total assets | $301,281,500 | 2,153 |
| Average earning assets | $279,834,250 | 2,122 |
| Average equity | $39,833,000 | 1,761 |
| Average total loans | $155,345,500 | 2,498 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2531% | 6,154 |
| Cost of funding earning assets | 0.6562% | 2,444 |
| Net interest margin | 2.5969% | 6,341 |
| Noninterest income to average assets | 0.5519% | 3,486 |
| Noninterest expense to average assets | 2.1274% | 5,807 |
| Loan and lease loss provision to assets | 0.1000% | 3,126 |
| Net operating income to assets | 0.5162% | 4,728 |
| Return on assets (ROA) | 0.6089% | 4,413 |
| Pretax return on assets | 0.8620% | 4,057 |
| Return on Equity (ROE) | 4.6008% | 4,952 |
| Retained earnings to average equity (ytd only) | 4.6008% | 3,337 |
| Net charge-offs to loans | 0.4119% | 1,574 |
| Credit loss provision to net charge-offs | 46.7492% | 3,277 |
| Earnings coverage of net charge-offs (x) | 3.8854% | 3,276 |
| Efficiency ratio | 71.8988% | 3,491 |
| Assets per employee ($millions) | 6.1559% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6704% | 816 |
| Loan loss allowance to noncurrent loans | 70.9524% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 2.9283% | 1,393 |
| Noncurrent loans to loans | 3.7636% | 1,084 |
| Net loans and leases to total assets | 50.4119% | 5,065 |
| Net loans and leases to deposits | 58.4861% | 5,117 |
| Net loans and leases to core deposits | 60.7531% | 5,192 |
| Total domestic deposits to total assets | 86.1948% | 3,265 |
| Equity capital to assets | 13.1949% | 1,261 |
| Core capital (leverage) ratio | 12.5969% | 1,321 |
| Tier 1 risk-based capital ratio | 23.6687% | 1,039 |
| Total risk-based capital ratio | 24.9354% | 1,019 |
| Memoranda: | ||
| Average total assets | $301,866,330 | 2,154 |
| Average earning assets | $279,794,670 | 2,130 |
| Average equity | $39,949,670 | 1,760 |
| Average total loans | $156,826,330 | 2,478 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3031% | 6,151 |
| Cost of funding earning assets | 0.7074% | 2,146 |
| Net interest margin | 2.5957% | 6,379 |
| Noninterest income to average assets | 0.4411% | 4,177 |
| Noninterest expense to average assets | 2.0770% | 5,962 |
| Loan and lease loss provision to assets | 0.0993% | 3,025 |
| Net operating income to assets | 0.4636% | 4,857 |
| Return on assets (ROA) | 0.6120% | 4,318 |
| Pretax return on assets | 0.8729% | 3,859 |
| Return on Equity (ROE) | 4.6172% | 4,781 |
| Retained earnings to average equity (ytd only) | 4.6172% | 3,467 |
| Net charge-offs to loans | 0.1782% | 2,323 |
| Credit loss provision to net charge-offs | 107.1429% | 1,726 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 1,966 |
| Efficiency ratio | 73.2026% | 3,414 |
| Assets per employee ($millions) | 6.1523% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7719% | 847 |
| Loan loss allowance to noncurrent loans | 61.1416% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 3.4844% | 1,223 |
| Noncurrent loans to loans | 4.5336% | 914 |
| Net loans and leases to total assets | 50.6019% | 4,909 |
| Net loans and leases to deposits | 58.7333% | 4,943 |
| Net loans and leases to core deposits | 61.0742% | 5,045 |
| Total domestic deposits to total assets | 86.1554% | 3,445 |
| Equity capital to assets | 13.3125% | 1,290 |
| Core capital (leverage) ratio | 12.6093% | 1,292 |
| Tier 1 risk-based capital ratio | 23.7867% | 1,046 |
| Total risk-based capital ratio | 25.0551% | 1,021 |
| Memoranda: | ||
| Average total assets | $301,980,000 | 2,176 |
| Average earning assets | $278,768,500 | 2,163 |
| Average equity | $40,024,000 | 1,772 |
| Average total loans | $157,122,500 | 2,498 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 6,065 |
| Cost of funding earning assets | 1.0985% | 915 |
| Net interest margin | 2.5933% | 6,637 |
| Noninterest income to average assets | 0.9734% | 1,621 |
| Noninterest expense to average assets | 2.2411% | 5,829 |
| Loan and lease loss provision to assets | 0.3409% | 1,972 |
| Net operating income to assets | 0.5698% | 4,379 |
| Return on assets (ROA) | 0.5782% | 4,603 |
| Pretax return on assets | 0.8245% | 4,207 |
| Return on Equity (ROE) | 4.5658% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.5658% | 3,011 |
| Net charge-offs to loans | 0.9354% | 1,193 |
| Credit loss provision to net charge-offs | 69.1853% | 4,199 |
| Earnings coverage of net charge-offs (x) | 2.3410% | 4,243 |
| Efficiency ratio | 66.0214% | 4,500 |
| Assets per employee ($millions) | 6.3021% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7607% | 862 |
| Loan loss allowance to noncurrent loans | 64.7778% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 3.5395% | 1,273 |
| Noncurrent loans to loans | 4.2618% | 1,042 |
| Net loans and leases to total assets | 50.5810% | 5,097 |
| Net loans and leases to deposits | 58.7375% | 5,160 |
| Net loans and leases to core deposits | 61.2503% | 5,241 |
| Total domestic deposits to total assets | 86.1137% | 3,292 |
| Equity capital to assets | 13.1954% | 1,356 |
| Core capital (leverage) ratio | 12.4190% | 1,356 |
| Tier 1 risk-based capital ratio | 22.6512% | 1,160 |
| Total risk-based capital ratio | 23.9016% | 1,141 |
| Memoranda: | ||
| Average total assets | $308,905,400 | 2,084 |
| Average earning assets | $288,400,200 | 2,053 |
| Average equity | $39,117,000 | 1,779 |
| Average total loans | $162,708,600 | 2,391 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7856% | 6,054 |
| Cost of funding earning assets | 1.1850% | 738 |
| Net interest margin | 2.6006% | 6,756 |
| Noninterest income to average assets | 0.9331% | 1,725 |
| Noninterest expense to average assets | 2.2603% | 5,791 |
| Loan and lease loss provision to assets | 0.3229% | 2,038 |
| Net operating income to assets | 0.5436% | 4,648 |
| Return on assets (ROA) | 0.5436% | 4,912 |
| Pretax return on assets | 0.7819% | 4,557 |
| Return on Equity (ROE) | 4.3373% | 5,132 |
| Retained earnings to average equity (ytd only) | 4.3373% | 3,838 |
| Net charge-offs to loans | 1.2549% | 763 |
| Credit loss provision to net charge-offs | 48.7047% | 4,429 |
| Earnings coverage of net charge-offs (x) | 1.6664% | 4,441 |
| Efficiency ratio | 67.1686% | 4,228 |
| Assets per employee ($millions) | 6.4001% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4057% | 1,349 |
| Loan loss allowance to noncurrent loans | 55.2943% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 3.9355% | 1,231 |
| Noncurrent loans to loans | 4.3508% | 1,115 |
| Net loans and leases to total assets | 53.0991% | 4,895 |
| Net loans and leases to deposits | 61.4880% | 5,027 |
| Net loans and leases to core deposits | 64.0058% | 5,142 |
| Total domestic deposits to total assets | 86.3569% | 3,058 |
| Equity capital to assets | 12.9514% | 1,615 |
| Core capital (leverage) ratio | 12.0142% | 1,647 |
| Tier 1 risk-based capital ratio | 20.8586% | 1,563 |
| Total risk-based capital ratio | 22.1211% | 1,521 |
| Memoranda: | ||
| Average total assets | $310,507,000 | 2,099 |
| Average earning assets | $290,389,750 | 2,060 |
| Average equity | $38,917,250 | 1,804 |
| Average total loans | $164,048,000 | 2,406 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 6,186 |
| Cost of funding earning assets | 1.2611% | 617 |
| Net interest margin | 2.5208% | 6,873 |
| Noninterest income to average assets | 0.8081% | 2,148 |
| Noninterest expense to average assets | 2.3074% | 5,715 |
| Loan and lease loss provision to assets | 0.3209% | 2,058 |
| Net operating income to assets | 0.3999% | 5,207 |
| Return on assets (ROA) | 0.3999% | 5,448 |
| Pretax return on assets | 0.5443% | 5,326 |
| Return on Equity (ROE) | 3.2257% | 5,594 |
| Retained earnings to average equity (ytd only) | 3.2257% | 4,463 |
| Net charge-offs to loans | 1.6011% | 587 |
| Credit loss provision to net charge-offs | 38.3142% | 4,303 |
| Earnings coverage of net charge-offs (x) | 1.0330% | 4,505 |
| Efficiency ratio | 72.7291% | 3,294 |
| Assets per employee ($millions) | 6.6450% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4529% | 1,349 |
| Loan loss allowance to noncurrent loans | 51.9238% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 4.0837% | 1,234 |
| Noncurrent loans to loans | 4.7240% | 1,091 |
| Net loans and leases to total assets | 51.0361% | 5,216 |
| Net loans and leases to deposits | 58.7520% | 5,373 |
| Net loans and leases to core deposits | 61.9204% | 5,397 |
| Total domestic deposits to total assets | 86.8671% | 2,851 |
| Equity capital to assets | 12.4951% | 1,820 |
| Core capital (leverage) ratio | 11.6068% | 1,831 |
| Tier 1 risk-based capital ratio | 21.3208% | 1,421 |
| Total risk-based capital ratio | 22.5848% | 1,394 |
| Memoranda: | ||
| Average total assets | $311,608,330 | 2,081 |
| Average earning assets | $292,288,000 | 2,035 |
| Average equity | $38,627,330 | 1,804 |
| Average total loans | $163,016,330 | 2,426 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8228% | 6,199 |
| Cost of funding earning assets | 1.3030% | 624 |
| Net interest margin | 2.5198% | 6,942 |
| Noninterest income to average assets | 0.9201% | 1,666 |
| Noninterest expense to average assets | 2.3145% | 5,734 |
| Loan and lease loss provision to assets | 0.3855% | 1,633 |
| Net operating income to assets | 0.4241% | 5,143 |
| Return on assets (ROA) | 0.4241% | 5,337 |
| Pretax return on assets | 0.5860% | 5,160 |
| Return on Equity (ROE) | 3.4349% | 5,540 |
| Retained earnings to average equity (ytd only) | 3.4349% | 4,516 |
| Net charge-offs to loans | 1.9751% | 479 |
| Credit loss provision to net charge-offs | 37.3134% | 3,491 |
| Earnings coverage of net charge-offs (x) | 0.9403% | 3,856 |
| Efficiency ratio | 70.4341% | 3,735 |
| Assets per employee ($millions) | 6.6236% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6809% | 1,139 |
| Loan loss allowance to noncurrent loans | 47.8512% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 4.2369% | 1,285 |
| Noncurrent loans to loans | 5.6026% | 943 |
| Net loans and leases to total assets | 50.2462% | 5,271 |
| Net loans and leases to deposits | 57.8442% | 5,394 |
| Net loans and leases to core deposits | 61.1313% | 5,419 |
| Total domestic deposits to total assets | 86.8648% | 3,034 |
| Equity capital to assets | 12.3964% | 1,791 |
| Core capital (leverage) ratio | 11.6720% | 1,793 |
| Tier 1 risk-based capital ratio | 21.1683% | 1,457 |
| Total risk-based capital ratio | 22.2647% | 1,463 |
| Memoranda: | ||
| Average total assets | $311,255,500 | 2,089 |
| Average earning assets | $292,245,000 | 2,045 |
| Average equity | $38,429,000 | 1,807 |
| Average total loans | $162,824,000 | 2,436 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0768% | 6,312 |
| Cost of funding earning assets | 1.7261% | 294 |
| Net interest margin | 2.3507% | 7,123 |
| Noninterest income to average assets | 0.3237% | 5,225 |
| Noninterest expense to average assets | 2.0198% | 6,642 |
| Loan and lease loss provision to assets | 0.2001% | 4,187 |
| Net operating income to assets | 0.2497% | 5,424 |
| Return on assets (ROA) | 0.2803% | 5,484 |
| Pretax return on assets | 0.3397% | 5,453 |
| Return on Equity (ROE) | 2.4374% | 5,493 |
| Retained earnings to average equity (ytd only) | 2.4374% | 4,484 |
| Net charge-offs to loans | 1.0570% | 1,636 |
| Credit loss provision to net charge-offs | 36.1265% | 5,697 |
| Earnings coverage of net charge-offs (x) | 0.9079% | 5,125 |
| Efficiency ratio | 80.0658% | 2,289 |
| Assets per employee ($millions) | 6.4834% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9178% | 878 |
| Loan loss allowance to noncurrent loans | 47.9331% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 4.1584% | 1,364 |
| Noncurrent loans to loans | 6.0873% | 804 |
| Net loans and leases to total assets | 51.4476% | 5,396 |
| Net loans and leases to deposits | 59.2301% | 5,572 |
| Net loans and leases to core deposits | 62.7751% | 5,567 |
| Total domestic deposits to total assets | 86.8606% | 2,841 |
| Equity capital to assets | 12.2965% | 1,916 |
| Core capital (leverage) ratio | 11.5429% | 1,852 |
| Tier 1 risk-based capital ratio | 19.6338% | 1,720 |
| Total risk-based capital ratio | 20.9011% | 1,682 |
| Memoranda: | ||
| Average total assets | $325,323,600 | 1,981 |
| Average earning assets | $304,332,600 | 1,925 |
| Average equity | $37,417,400 | 1,794 |
| Average total loans | $170,488,800 | 2,370 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 6,441 |
| Cost of funding earning assets | 1.8090% | 251 |
| Net interest margin | 2.2772% | 7,226 |
| Noninterest income to average assets | 0.1670% | 6,392 |
| Noninterest expense to average assets | 1.9952% | 6,703 |
| Loan and lease loss provision to assets | 0.1824% | 4,209 |
| Net operating income to assets | 0.1233% | 5,907 |
| Return on assets (ROA) | 0.1593% | 5,926 |
| Pretax return on assets | 0.1553% | 5,990 |
| Return on Equity (ROE) | 1.4084% | 5,975 |
| Retained earnings to average equity (ytd only) | 1.4084% | 5,444 |
| Net charge-offs to loans | 1.1822% | 1,325 |
| Credit loss provision to net charge-offs | 29.5276% | 5,419 |
| Earnings coverage of net charge-offs (x) | 0.4882% | 5,254 |
| Efficiency ratio | 86.8667% | 1,449 |
| Assets per employee ($millions) | 6.8499% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7863% | 1,047 |
| Loan loss allowance to noncurrent loans | 53.1702% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 3.8641% | 1,597 |
| Noncurrent loans to loans | 5.2403% | 1,165 |
| Net loans and leases to total assets | 51.8797% | 5,464 |
| Net loans and leases to deposits | 61.1447% | 5,496 |
| Net loans and leases to core deposits | 64.8964% | 5,531 |
| Total domestic deposits to total assets | 84.8475% | 3,849 |
| Equity capital to assets | 11.5965% | 2,589 |
| Core capital (leverage) ratio | 10.6674% | 2,694 |
| Tier 1 risk-based capital ratio | 17.9577% | 2,273 |
| Total risk-based capital ratio | 19.2239% | 2,229 |
| Memoranda: | ||
| Average total assets | $328,854,000 | 1,971 |
| Average earning assets | $307,557,500 | 1,921 |
| Average equity | $37,205,000 | 1,813 |
| Average total loans | $171,881,500 | 2,367 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 6,432 |
| Cost of funding earning assets | 1.8969% | 210 |
| Net interest margin | 2.2283% | 7,306 |
| Noninterest income to average assets | 0.0328% | 7,109 |
| Noninterest expense to average assets | 1.9466% | 6,882 |
| Loan and lease loss provision to assets | 0.1824% | 4,093 |
| Net operating income to assets | 0.0170% | 6,199 |
| Return on assets (ROA) | 0.0651% | 6,169 |
| Pretax return on assets | 0.0371% | 6,213 |
| Return on Equity (ROE) | 0.5800% | 6,170 |
| Retained earnings to average equity (ytd only) | 0.5800% | 5,621 |
| Net charge-offs to loans | 1.5690% | 939 |
| Credit loss provision to net charge-offs | 22.4048% | 5,101 |
| Earnings coverage of net charge-offs (x) | 0.2106% | 5,152 |
| Efficiency ratio | 91.9035% | 1,101 |
| Assets per employee ($millions) | 6.5685% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9637% | 924 |
| Loan loss allowance to noncurrent loans | 71.6468% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 3.3131% | 2,008 |
| Noncurrent loans to loans | 4.1366% | 1,650 |
| Net loans and leases to total assets | 49.0984% | 5,936 |
| Net loans and leases to deposits | 57.0297% | 6,051 |
| Net loans and leases to core deposits | 60.7163% | 6,034 |
| Total domestic deposits to total assets | 86.0927% | 3,273 |
| Equity capital to assets | 11.3929% | 2,608 |
| Core capital (leverage) ratio | 10.5085% | 2,705 |
| Tier 1 risk-based capital ratio | 18.0847% | 2,145 |
| Total risk-based capital ratio | 19.3555% | 2,090 |
| Memoranda: | ||
| Average total assets | $328,873,000 | 1,978 |
| Average earning assets | $307,765,330 | 1,927 |
| Average equity | $36,897,000 | 1,815 |
| Average total loans | $170,686,000 | 2,403 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1881% | 6,306 |
| Cost of funding earning assets | 1.9113% | 238 |
| Net interest margin | 2.2769% | 7,322 |
| Noninterest income to average assets | -0.0450% | 7,350 |
| Noninterest expense to average assets | 1.8766% | 7,031 |
| Loan and lease loss provision to assets | 0.1823% | 3,793 |
| Net operating income to assets | 0.0693% | 6,177 |
| Return on assets (ROA) | 0.0693% | 6,229 |
| Pretax return on assets | 0.0231% | 6,316 |
| Return on Equity (ROE) | 0.6223% | 6,241 |
| Retained earnings to average equity (ytd only) | 0.6223% | 5,582 |
| Net charge-offs to loans | -0.0278% | 6,683 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1343% | 1,322 |
| Assets per employee ($millions) | 6.8337% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5916% | 567 |
| Loan loss allowance to noncurrent loans | 87.9397% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 3.2736% | 2,096 |
| Noncurrent loans to loans | 4.0842% | 1,763 |
| Net loans and leases to total assets | 50.1232% | 5,834 |
| Net loans and leases to deposits | 58.0980% | 5,910 |
| Net loans and leases to core deposits | 61.8853% | 5,940 |
| Total domestic deposits to total assets | 86.2735% | 3,346 |
| Equity capital to assets | 11.1793% | 2,521 |
| Core capital (leverage) ratio | 10.4589% | 2,657 |
| Tier 1 risk-based capital ratio | 17.6829% | 2,222 |
| Total risk-based capital ratio | 18.9620% | 2,185 |
| Memoranda: | ||
| Average total assets | $329,097,500 | 1,988 |
| Average earning assets | $307,439,000 | 1,938 |
| Average equity | $36,637,000 | 1,812 |
| Average total loans | $172,941,000 | 2,390 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 6,327 |
| Cost of funding earning assets | 2.2452% | 264 |
| Net interest margin | 2.2793% | 7,381 |
| Noninterest income to average assets | 0.5440% | 3,860 |
| Noninterest expense to average assets | 2.2189% | 6,572 |
| Loan and lease loss provision to assets | 0.8085% | 2,016 |
| Net operating income to assets | -0.1484% | 6,046 |
| Return on assets (ROA) | -0.1305% | 6,081 |
| Pretax return on assets | -0.3215% | 6,181 |
| Return on Equity (ROE) | -1.2227% | 6,085 |
| Retained earnings to average equity (ytd only) | -1.2227% | 5,841 |
| Net charge-offs to loans | 0.8450% | 2,520 |
| Credit loss provision to net charge-offs | 171.8826% | 1,964 |
| Earnings coverage of net charge-offs (x) | 0.9762% | 5,130 |
| Efficiency ratio | 82.8538% | 2,065 |
| Assets per employee ($millions) | 6.7383% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4007% | 633 |
| Loan loss allowance to noncurrent loans | 68.5087% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 3.8773% | 1,760 |
| Noncurrent loans to loans | 4.9639% | 1,363 |
| Net loans and leases to total assets | 51.3001% | 6,011 |
| Net loans and leases to deposits | 59.5097% | 6,112 |
| Net loans and leases to core deposits | 64.0107% | 6,050 |
| Total domestic deposits to total assets | 86.2045% | 3,246 |
| Equity capital to assets | 11.0861% | 2,614 |
| Core capital (leverage) ratio | 10.4059% | 2,661 |
| Tier 1 risk-based capital ratio | 16.9574% | 2,358 |
| Total risk-based capital ratio | 18.2339% | 2,314 |
| Memoranda: | ||
| Average total assets | $347,788,000 | 1,877 |
| Average earning assets | $325,625,800 | 1,834 |
| Average equity | $37,131,600 | 1,784 |
| Average total loans | $193,599,400 | 2,216 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5909% | 6,356 |
| Cost of funding earning assets | 2.3033% | 267 |
| Net interest margin | 2.2876% | 7,487 |
| Noninterest income to average assets | 0.3437% | 5,422 |
| Noninterest expense to average assets | 1.8539% | 7,262 |
| Loan and lease loss provision to assets | 0.9362% | 1,611 |
| Net operating income to assets | -0.2003% | 6,322 |
| Return on assets (ROA) | -0.1760% | 6,360 |
| Pretax return on assets | -0.2658% | 6,382 |
| Return on Equity (ROE) | -1.6638% | 6,358 |
| Retained earnings to average equity (ytd only) | -1.6638% | 6,129 |
| Net charge-offs to loans | 1.1283% | 1,808 |
| Credit loss provision to net charge-offs | 147.4657% | 2,658 |
| Earnings coverage of net charge-offs (x) | 0.9982% | 5,063 |
| Efficiency ratio | 74.5244% | 3,225 |
| Assets per employee ($millions) | 7.0250% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9733% | 842 |
| Loan loss allowance to noncurrent loans | 54.7451% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 4.1136% | 1,677 |
| Noncurrent loans to loans | 5.4311% | 1,234 |
| Net loans and leases to total assets | 52.9370% | 5,988 |
| Net loans and leases to deposits | 63.2778% | 5,998 |
| Net loans and leases to core deposits | 68.0632% | 5,929 |
| Total domestic deposits to total assets | 83.6581% | 4,290 |
| Equity capital to assets | 10.9350% | 3,019 |
| Core capital (leverage) ratio | 10.0234% | 3,231 |
| Tier 1 risk-based capital ratio | 15.8408% | 2,846 |
| Total risk-based capital ratio | 17.1124% | 2,779 |
| Memoranda: | ||
| Average total assets | $352,190,250 | 1,883 |
| Average earning assets | $330,065,000 | 1,835 |
| Average equity | $37,263,500 | 1,789 |
| Average total loans | $198,163,000 | 2,203 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6677% | 6,251 |
| Cost of funding earning assets | 2.4073% | 232 |
| Net interest margin | 2.2603% | 7,550 |
| Noninterest income to average assets | 0.1330% | 6,923 |
| Noninterest expense to average assets | 1.8425% | 7,343 |
| Loan and lease loss provision to assets | 1.3262% | 1,025 |
| Net operating income to assets | -0.6014% | 6,742 |
| Return on assets (ROA) | -0.5659% | 6,748 |
| Pretax return on assets | -0.8663% | 6,825 |
| Return on Equity (ROE) | -5.4069% | 6,728 |
| Retained earnings to average equity (ytd only) | -5.4069% | 6,597 |
| Net charge-offs to loans | 1.5683% | 1,211 |
| Credit loss provision to net charge-offs | 148.8299% | 2,653 |
| Earnings coverage of net charge-offs (x) | 0.4548% | 5,259 |
| Efficiency ratio | 81.9709% | 2,172 |
| Assets per employee ($millions) | 7.2046% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8136% | 987 |
| Loan loss allowance to noncurrent loans | 80.1817% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 3.0310% | 2,353 |
| Noncurrent loans to loans | 3.5090% | 2,253 |
| Net loans and leases to total assets | 54.3918% | 5,935 |
| Net loans and leases to deposits | 64.6987% | 5,953 |
| Net loans and leases to core deposits | 69.3862% | 5,933 |
| Total domestic deposits to total assets | 84.0694% | 4,080 |
| Equity capital to assets | 10.4690% | 3,451 |
| Core capital (leverage) ratio | 9.3631% | 4,023 |
| Tier 1 risk-based capital ratio | 14.6815% | 3,335 |
| Total risk-based capital ratio | 15.9405% | 3,307 |
| Memoranda: | ||
| Average total assets | $354,845,000 | 1,887 |
| Average earning assets | $331,984,670 | 1,836 |
| Average equity | $37,137,670 | 1,795 |
| Average total loans | $201,615,000 | 2,201 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 5,985 |
| Cost of funding earning assets | 2.5429% | 199 |
| Net interest margin | 2.2324% | 7,631 |
| Noninterest income to average assets | 0.1732% | 6,731 |
| Noninterest expense to average assets | 1.8597% | 7,397 |
| Loan and lease loss provision to assets | 1.5797% | 734 |
| Net operating income to assets | -0.7870% | 7,002 |
| Return on assets (ROA) | -0.7140% | 6,984 |
| Pretax return on assets | -1.0715% | 7,085 |
| Return on Equity (ROE) | -6.8229% | 6,980 |
| Retained earnings to average equity (ytd only) | -6.8229% | 6,720 |
| Net charge-offs to loans | 3.2981% | 444 |
| Credit loss provision to net charge-offs | 83.6808% | 3,792 |
| Earnings coverage of net charge-offs (x) | 0.2114% | 4,850 |
| Efficiency ratio | 82.3295% | 2,235 |
| Assets per employee ($millions) | 7.2390% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2215% | 1,704 |
| Loan loss allowance to noncurrent loans | 50.6396% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 2.9500% | 2,436 |
| Noncurrent loans to loans | 4.3870% | 1,717 |
| Net loans and leases to total assets | 55.9990% | 5,745 |
| Net loans and leases to deposits | 66.4875% | 5,769 |
| Net loans and leases to core deposits | 71.5703% | 5,760 |
| Total domestic deposits to total assets | 84.2249% | 4,033 |
| Equity capital to assets | 10.4392% | 3,308 |
| Core capital (leverage) ratio | 9.7198% | 3,487 |
| Tier 1 risk-based capital ratio | 14.5134% | 3,367 |
| Total risk-based capital ratio | 15.7720% | 3,333 |
| Memoranda: | ||
| Average total assets | $355,755,500 | 1,928 |
| Average earning assets | $332,375,500 | 1,887 |
| Average equity | $37,227,500 | 1,805 |
| Average total loans | $203,635,000 | 2,234 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9730% | 6,520 |
| Cost of funding earning assets | 2.8055% | 440 |
| Net interest margin | 2.1675% | 7,661 |
| Noninterest income to average assets | 0.2323% | 6,452 |
| Noninterest expense to average assets | 1.7485% | 7,660 |
| Loan and lease loss provision to assets | 2.8211% | 647 |
| Net operating income to assets | -1.1942% | 6,704 |
| Return on assets (ROA) | -1.0410% | 6,604 |
| Pretax return on assets | -2.0655% | 6,964 |
| Return on Equity (ROE) | -9.7815% | 6,607 |
| Retained earnings to average equity (ytd only) | -9.7815% | 6,502 |
| Net charge-offs to loans | 5.0772% | 251 |
| Credit loss provision to net charge-offs | 93.6811% | 5,867 |
| Earnings coverage of net charge-offs (x) | 0.1715% | 5,984 |
| Efficiency ratio | 77.2011% | 3,327 |
| Assets per employee ($millions) | 7.2817% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3452% | 1,410 |
| Loan loss allowance to noncurrent loans | 38.6797% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 4.5431% | 1,421 |
| Noncurrent loans to loans | 6.0630% | 1,034 |
| Net loans and leases to total assets | 55.8676% | 5,965 |
| Net loans and leases to deposits | 67.6093% | 5,877 |
| Net loans and leases to core deposits | 90.1565% | 5,111 |
| Total domestic deposits to total assets | 82.6329% | 4,692 |
| Equity capital to assets | 10.4893% | 3,190 |
| Core capital (leverage) ratio | 9.6480% | 3,520 |
| Tier 1 risk-based capital ratio | 14.9871% | 2,943 |
| Total risk-based capital ratio | 16.2505% | 2,888 |
| Memoranda: | ||
| Average total assets | $361,560,200 | 1,879 |
| Average earning assets | $339,052,600 | 1,838 |
| Average equity | $38,481,000 | 1,745 |
| Average total loans | $214,447,800 | 2,151 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9425% | 6,790 |
| Cost of funding earning assets | 2.8494% | 527 |
| Net interest margin | 2.0931% | 7,769 |
| Noninterest income to average assets | 0.2974% | 6,094 |
| Noninterest expense to average assets | 1.7885% | 7,670 |
| Loan and lease loss provision to assets | 2.3762% | 712 |
| Net operating income to assets | -1.0716% | 6,876 |
| Return on assets (ROA) | -0.8682% | 6,739 |
| Pretax return on assets | -1.5831% | 7,007 |
| Return on Equity (ROE) | -8.1282% | 6,744 |
| Retained earnings to average equity (ytd only) | -8.1282% | 6,617 |
| Net charge-offs to loans | 5.1414% | 212 |
| Credit loss provision to net charge-offs | 77.2494% | 5,827 |
| Earnings coverage of net charge-offs (x) | 0.1545% | 5,875 |
| Efficiency ratio | 79.0063% | 2,996 |
| Assets per employee ($millions) | 7.2054% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 2,561 |
| Loan loss allowance to noncurrent loans | 42.1407% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 4.0251% | 1,584 |
| Noncurrent loans to loans | 4.0760% | 1,799 |
| Net loans and leases to total assets | 56.7161% | 6,066 |
| Net loans and leases to deposits | 69.9473% | 5,925 |
| Net loans and leases to core deposits | 92.7016% | 5,163 |
| Total domestic deposits to total assets | 81.0841% | 5,047 |
| Equity capital to assets | 10.6393% | 3,358 |
| Core capital (leverage) ratio | 9.8259% | 3,487 |
| Tier 1 risk-based capital ratio | 15.6141% | 2,764 |
| Total risk-based capital ratio | 16.8706% | 2,705 |
| Memoranda: | ||
| Average total assets | $362,750,000 | 1,889 |
| Average earning assets | $340,787,250 | 1,847 |
| Average equity | $38,744,750 | 1,748 |
| Average total loans | $217,029,000 | 2,153 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9777% | 6,843 |
| Cost of funding earning assets | 2.8909% | 624 |
| Net interest margin | 2.0868% | 7,819 |
| Noninterest income to average assets | 0.2855% | 6,223 |
| Noninterest expense to average assets | 1.8340% | 7,705 |
| Loan and lease loss provision to assets | 3.5563% | 397 |
| Net operating income to assets | -1.8085% | 7,368 |
| Return on assets (ROA) | -1.5039% | 7,251 |
| Pretax return on assets | -2.6602% | 7,463 |
| Return on Equity (ROE) | -14.0627% | 7,281 |
| Retained earnings to average equity (ytd only) | -14.0627% | 7,182 |
| Net charge-offs to loans | 7.3331% | 120 |
| Credit loss provision to net charge-offs | 80.1215% | 5,196 |
| Earnings coverage of net charge-offs (x) | 0.0947% | 5,583 |
| Efficiency ratio | 81.3568% | 2,828 |
| Assets per employee ($millions) | 7.5463% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8962% | 1,803 |
| Loan loss allowance to noncurrent loans | 46.8587% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 4.0114% | 1,475 |
| Noncurrent loans to loans | 4.0465% | 1,662 |
| Net loans and leases to total assets | 55.2921% | 6,301 |
| Net loans and leases to deposits | 67.5288% | 6,246 |
| Net loans and leases to core deposits | 89.5046% | 5,574 |
| Total domestic deposits to total assets | 81.8792% | 4,740 |
| Equity capital to assets | 10.1582% | 3,760 |
| Core capital (leverage) ratio | 9.9411% | 3,358 |
| Tier 1 risk-based capital ratio | 14.9594% | 3,037 |
| Total risk-based capital ratio | 16.2156% | 2,976 |
| Memoranda: | ||
| Average total assets | $363,577,330 | 1,903 |
| Average earning assets | $343,009,000 | 1,849 |
| Average equity | $38,883,000 | 1,749 |
| Average total loans | $220,071,670 | 2,156 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 6,642 |
| Cost of funding earning assets | 2.8680% | 834 |
| Net interest margin | 2.2331% | 7,769 |
| Noninterest income to average assets | 0.0857% | 7,627 |
| Noninterest expense to average assets | 1.8954% | 7,556 |
| Loan and lease loss provision to assets | 0.2141% | 4,307 |
| Net operating income to assets | 0.0081% | 6,236 |
| Return on assets (ROA) | 0.6161% | 4,144 |
| Pretax return on assets | 1.0465% | 3,180 |
| Return on Equity (ROE) | 5.6203% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.6203% | 2,813 |
| Net charge-offs to loans | 8.1111% | 93 |
| Credit loss provision to net charge-offs | 4.2171% | 5,228 |
| Earnings coverage of net charge-offs (x) | 0.0612% | 4,927 |
| Efficiency ratio | 85.9134% | 2,074 |
| Assets per employee ($millions) | 7.7286% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4749% | 7,855 |
| Loan loss allowance to noncurrent loans | 8.5257% | 7,527 |
| Noncurrent assets plus other real estate owned to assets | 4.1135% | 1,231 |
| Noncurrent loans to loans | 5.5701% | 912 |
| Net loans and leases to total assets | 60.2918% | 5,606 |
| Net loans and leases to deposits | 75.1616% | 5,321 |
| Net loans and leases to core deposits | 90.2804% | 5,527 |
| Total domestic deposits to total assets | 80.2162% | 5,278 |
| Equity capital to assets | 11.1667% | 2,842 |
| Core capital (leverage) ratio | 10.9615% | 2,529 |
| Tier 1 risk-based capital ratio | 16.7411% | 2,430 |
| Total risk-based capital ratio | 17.2279% | 2,635 |
| Memoranda: | ||
| Average total assets | $364,256,000 | 1,908 |
| Average earning assets | $345,881,500 | 1,852 |
| Average equity | $39,927,000 | 1,708 |
| Average total loans | $228,032,500 | 2,118 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5587% | 7,180 |
| Cost of funding earning assets | 3.3754% | 747 |
| Net interest margin | 2.1833% | 7,969 |
| Noninterest income to average assets | 0.1524% | 7,329 |
| Noninterest expense to average assets | 1.5539% | 8,007 |
| Loan and lease loss provision to assets | 1.2368% | 1,161 |
| Net operating income to assets | -0.4133% | 6,838 |
| Return on assets (ROA) | -0.2318% | 6,501 |
| Pretax return on assets | -0.3116% | 6,476 |
| Return on Equity (ROE) | -2.1810% | 6,533 |
| Retained earnings to average equity (ytd only) | -2.1810% | 5,920 |
| Net charge-offs to loans | 0.4785% | 2,440 |
| Credit loss provision to net charge-offs | 396.6245% | 1,111 |
| Earnings coverage of net charge-offs (x) | 2.1806% | 4,983 |
| Efficiency ratio | 69.5606% | 4,432 |
| Assets per employee ($millions) | 7.4545% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3185% | 833 |
| Loan loss allowance to noncurrent loans | 33.0634% | 6,522 |
| Noncurrent assets plus other real estate owned to assets | 5.1849% | 652 |
| Noncurrent loans to loans | 7.0123% | 433 |
| Net loans and leases to total assets | 63.1158% | 5,433 |
| Net loans and leases to deposits | 79.6198% | 5,114 |
| Net loans and leases to core deposits | 101.5474% | 4,663 |
| Total domestic deposits to total assets | 79.2715% | 5,274 |
| Equity capital to assets | 10.7570% | 3,243 |
| Core capital (leverage) ratio | 10.7169% | 2,805 |
| Tier 1 risk-based capital ratio | 16.2413% | 2,568 |
| Total risk-based capital ratio | 17.5067% | 2,501 |
| Memoranda: | ||
| Average total assets | $380,002,400 | 1,779 |
| Average earning assets | $362,297,800 | 1,715 |
| Average equity | $40,393,800 | 1,663 |
| Average total loans | $247,634,400 | 1,920 |