Home > Franklin Bank > Performance and Condition Ratios
Franklin 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 | 3.9852% | 3,991 |
| Cost of funding earning assets | 0.2472% | 4,419 |
| Net interest margin | 3.7380% | 1,677 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 3.3313% | 717 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.4540% | 3,762 |
| Return on assets (ROA) | 0.4540% | 3,760 |
| Pretax return on assets | 0.6419% | 3,557 |
| Return on Equity (ROE) | 6.8200% | 3,321 |
| Retained earnings to average equity (ytd only) | 6.8242% | 1,948 |
| Net charge-offs to loans | 0.0065% | 2,447 |
| Credit loss provision to net charge-offs | 108.3333% | 1,765 |
| Earnings coverage of net charge-offs (x) | 176.2500% | 636 |
| Efficiency ratio | 83.6440% | 682 |
| Assets per employee ($millions) | 4.8872% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8700% | 3,808 |
| Loan loss allowance to noncurrent loans | 291.6084% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 2,312 |
| Noncurrent loans to loans | 0.2984% | 2,113 |
| Net loans and leases to total assets | 60.7600% | 2,776 |
| Net loans and leases to deposits | 66.5804% | 3,134 |
| Net loans and leases to core deposits | 68.1741% | 3,397 |
| Total domestic deposits to total assets | 91.2600% | 437 |
| Equity capital to assets | 7.6098% | 3,654 |
| Core capital (leverage) ratio | 9.6695% | 3,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2939% | 865 |
| Memoranda: | ||
| Average total assets | $324,677,800 | 2,295 |
| Average earning assets | $307,486,800 | 2,260 |
| Average equity | $21,599,600 | 2,725 |
| Average total loans | $183,939,400 | 2,408 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9122% | 3,985 |
| Cost of funding earning assets | 0.1882% | 4,454 |
| Net interest margin | 3.7241% | 1,729 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 3.4576% | 583 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.3630% | 4,023 |
| Return on assets (ROA) | 0.3630% | 4,028 |
| Pretax return on assets | 0.5115% | 3,888 |
| Return on Equity (ROE) | 5.6500% | 3,700 |
| Retained earnings to average equity (ytd only) | 5.6502% | 2,735 |
| Net charge-offs to loans | 0.0044% | 2,325 |
| Credit loss provision to net charge-offs | -550.0000% | 4,579 |
| Earnings coverage of net charge-offs (x) | 207.0000% | 584 |
| Efficiency ratio | 87.2472% | 469 |
| Assets per employee ($millions) | 4.9649% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 3,803 |
| Loan loss allowance to noncurrent loans | 341.2998% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 2,588 |
| Noncurrent loans to loans | 0.2574% | 2,316 |
| Net loans and leases to total assets | 56.9100% | 3,124 |
| Net loans and leases to deposits | 61.2849% | 3,439 |
| Net loans and leases to core deposits | 62.3326% | 3,603 |
| Total domestic deposits to total assets | 92.8600% | 321 |
| Equity capital to assets | 6.3362% | 3,883 |
| Core capital (leverage) ratio | 9.2638% | 3,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4371% | 893 |
| Memoranda: | ||
| Average total assets | $327,652,250 | 2,282 |
| Average earning assets | $310,368,250 | 2,246 |
| Average equity | $21,049,000 | 2,758 |
| Average total loans | $181,994,500 | 2,426 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 3,888 |
| Cost of funding earning assets | 0.1544% | 4,470 |
| Net interest margin | 3.7367% | 1,742 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 3.8725% | 379 |
| Loan and lease loss provision to assets | -0.0400% | 4,482 |
| Net operating income to assets | 0.0996% | 4,360 |
| Return on assets (ROA) | 0.0996% | 4,393 |
| Pretax return on assets | 0.1288% | 4,375 |
| Return on Equity (ROE) | 1.5400% | 4,319 |
| Retained earnings to average equity (ytd only) | 1.5436% | 3,817 |
| Net charge-offs to loans | 0.0044% | 2,128 |
| Credit loss provision to net charge-offs | -2,050.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | 37.7500% | 1,431 |
| Efficiency ratio | 97.6865% | 202 |
| Assets per employee ($millions) | 5.1298% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 3,853 |
| Loan loss allowance to noncurrent loans | 237.7444% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 2,163 |
| Noncurrent loans to loans | 0.3670% | 1,829 |
| Net loans and leases to total assets | 55.5900% | 3,146 |
| Net loans and leases to deposits | 59.8187% | 3,433 |
| Net loans and leases to core deposits | 60.7700% | 3,588 |
| Total domestic deposits to total assets | 92.9200% | 262 |
| Equity capital to assets | 6.5703% | 3,968 |
| Core capital (leverage) ratio | 8.8584% | 3,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3255% | 911 |
| Memoranda: | ||
| Average total assets | $329,297,000 | 2,281 |
| Average earning assets | $312,251,333 | 2,246 |
| Average equity | $21,249,333 | 2,755 |
| Average total loans | $180,894,667 | 2,430 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7546% | 3,937 |
| Cost of funding earning assets | 0.1293% | 4,494 |
| Net interest margin | 3.6253% | 2,070 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 3.8152% | 404 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0337% | 4,462 |
| Return on assets (ROA) | 0.0337% | 4,448 |
| Pretax return on assets | 0.0349% | 4,436 |
| Return on Equity (ROE) | 0.5300% | 4,417 |
| Retained earnings to average equity (ytd only) | 0.5269% | 3,944 |
| Net charge-offs to loans | 0.0354% | 1,024 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1.8125% | 1,953 |
| Efficiency ratio | 99.0935% | 185 |
| Assets per employee ($millions) | 5.6327% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 3,804 |
| Loan loss allowance to noncurrent loans | 391.2322% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 2,623 |
| Noncurrent loans to loans | 0.2348% | 2,328 |
| Net loans and leases to total assets | 53.5900% | 3,232 |
| Net loans and leases to deposits | 57.8778% | 3,457 |
| Net loans and leases to core deposits | 58.6130% | 3,602 |
| Total domestic deposits to total assets | 92.6000% | 378 |
| Equity capital to assets | 6.5432% | 4,018 |
| Core capital (leverage) ratio | 8.6801% | 4,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6377% | 889 |
| Memoranda: | ||
| Average total assets | $332,355,500 | 2,306 |
| Average earning assets | $315,563,500 | 2,276 |
| Average equity | $21,257,000 | 2,775 |
| Average total loans | $180,731,000 | 2,445 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0794% | 4,026 |
| Cost of funding earning assets | 0.1130% | 4,323 |
| Net interest margin | 2.9664% | 3,527 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.5565% | 1,950 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.4817% | 4,109 |
| Return on assets (ROA) | 0.4817% | 4,076 |
| Pretax return on assets | 0.6693% | 3,911 |
| Return on Equity (ROE) | 7.0500% | 3,629 |
| Retained earnings to average equity (ytd only) | 7.0488% | 2,222 |
| Net charge-offs to loans | -0.0041% | 3,587 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.5113% | 820 |
| Assets per employee ($millions) | 5.3610% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 3,707 |
| Loan loss allowance to noncurrent loans | 424.1730% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 2,694 |
| Noncurrent loans to loans | 0.2163% | 2,408 |
| Net loans and leases to total assets | 54.1600% | 3,186 |
| Net loans and leases to deposits | 58.2737% | 3,439 |
| Net loans and leases to core deposits | 58.7666% | 3,566 |
| Total domestic deposits to total assets | 92.9500% | 416 |
| Equity capital to assets | 6.2485% | 4,000 |
| Core capital (leverage) ratio | 8.6015% | 4,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2922% | 938 |
| Memoranda: | ||
| Average total assets | $328,419,600 | 2,305 |
| Average earning assets | $312,464,800 | 2,273 |
| Average equity | $22,443,600 | 2,738 |
| Average total loans | $171,997,400 | 2,438 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8639% | 4,107 |
| Cost of funding earning assets | 0.1142% | 4,163 |
| Net interest margin | 2.7497% | 3,835 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.5552% | 1,845 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.3376% | 4,336 |
| Return on assets (ROA) | 0.3376% | 4,288 |
| Pretax return on assets | 0.4622% | 4,197 |
| Return on Equity (ROE) | 4.8300% | 4,011 |
| Retained earnings to average equity (ytd only) | 4.8346% | 3,155 |
| Net charge-offs to loans | 0.0385% | 1,110 |
| Credit loss provision to net charge-offs | 163.2653% | 1,087 |
| Earnings coverage of net charge-offs (x) | 24.7959% | 1,617 |
| Efficiency ratio | 83.7784% | 558 |
| Assets per employee ($millions) | 5.7298% | 3,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 3,870 |
| Loan loss allowance to noncurrent loans | 313.1890% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 2,529 |
| Noncurrent loans to loans | 0.2859% | 2,224 |
| Net loans and leases to total assets | 53.9200% | 3,111 |
| Net loans and leases to deposits | 57.6106% | 3,370 |
| Net loans and leases to core deposits | 58.1758% | 3,492 |
| Total domestic deposits to total assets | 93.6000% | 438 |
| Equity capital to assets | 5.8996% | 4,001 |
| Core capital (leverage) ratio | 8.4846% | 4,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5833% | 911 |
| Memoranda: | ||
| Average total assets | $327,428,750 | 2,328 |
| Average earning assets | $311,691,500 | 2,293 |
| Average equity | $22,862,250 | 2,748 |
| Average total loans | $169,571,250 | 2,459 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6827% | 4,166 |
| Cost of funding earning assets | 0.1152% | 4,019 |
| Net interest margin | 2.5674% | 3,963 |
| Noninterest income to average assets | 0.4266% | 2,588 |
| Noninterest expense to average assets | 2.5169% | 1,874 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2655% | 4,344 |
| Return on assets (ROA) | 0.2655% | 4,299 |
| Pretax return on assets | 0.3576% | 4,216 |
| Return on Equity (ROE) | 3.6159% | 4,114 |
| Retained earnings to average equity (ytd only) | 3.6159% | 3,229 |
| Net charge-offs to loans | -0.0024% | 3,167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5584% | 508 |
| Assets per employee ($millions) | 5.3458% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 3,912 |
| Loan loss allowance to noncurrent loans | 326.0960% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 2,693 |
| Noncurrent loans to loans | 0.2806% | 2,340 |
| Net loans and leases to total assets | 51.8775% | 3,168 |
| Net loans and leases to deposits | 55.9753% | 3,377 |
| Net loans and leases to core deposits | 56.5687% | 3,521 |
| Total domestic deposits to total assets | 92.6793% | 592 |
| Equity capital to assets | 6.7279% | 3,928 |
| Core capital (leverage) ratio | 8.3672% | 4,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4032% | 1,097 |
| Memoranda: | ||
| Average total assets | $327,705,000 | 2,337 |
| Average earning assets | $312,450,667 | 2,312 |
| Average equity | $24,060,333 | 2,745 |
| Average total loans | $166,862,333 | 2,492 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5107% | 4,253 |
| Cost of funding earning assets | 0.1160% | 3,942 |
| Net interest margin | 2.3947% | 4,081 |
| Noninterest income to average assets | 0.4128% | 2,603 |
| Noninterest expense to average assets | 2.3902% | 2,197 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2387% | 4,264 |
| Return on assets (ROA) | 0.2387% | 4,237 |
| Pretax return on assets | 0.3105% | 4,172 |
| Return on Equity (ROE) | 3.1209% | 4,063 |
| Retained earnings to average equity (ytd only) | 3.1209% | 3,219 |
| Net charge-offs to loans | 0.0024% | 1,722 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 255.0000% | 360 |
| Efficiency ratio | 88.5032% | 612 |
| Assets per employee ($millions) | 5.7084% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9370% | 3,936 |
| Loan loss allowance to noncurrent loans | 435.4749% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 3,050 |
| Noncurrent loans to loans | 0.2152% | 2,747 |
| Net loans and leases to total assets | 49.7810% | 3,199 |
| Net loans and leases to deposits | 53.9334% | 3,426 |
| Net loans and leases to core deposits | 54.4982% | 3,560 |
| Total domestic deposits to total assets | 92.3009% | 473 |
| Equity capital to assets | 7.1304% | 4,145 |
| Core capital (leverage) ratio | 8.3162% | 4,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7322% | 1,097 |
| Memoranda: | ||
| Average total assets | $328,512,000 | 2,349 |
| Average earning assets | $313,855,000 | 2,318 |
| Average equity | $25,121,000 | 2,765 |
| Average total loans | $164,928,500 | 2,510 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6408% | 4,370 |
| Cost of funding earning assets | 0.1611% | 3,858 |
| Net interest margin | 2.4797% | 4,217 |
| Noninterest income to average assets | 0.4570% | 2,777 |
| Noninterest expense to average assets | 2.5546% | 2,011 |
| Loan and lease loss provision to assets | 0.0245% | 2,571 |
| Net operating income to assets | 0.1952% | 4,538 |
| Return on assets (ROA) | 0.1952% | 4,558 |
| Pretax return on assets | 0.2561% | 4,524 |
| Return on Equity (ROE) | 2.3032% | 4,463 |
| Retained earnings to average equity (ytd only) | 2.3032% | 3,882 |
| Net charge-offs to loans | 0.0125% | 2,095 |
| Credit loss provision to net charge-offs | 366.6667% | 959 |
| Earnings coverage of net charge-offs (x) | 41.9524% | 1,410 |
| Efficiency ratio | 90.1033% | 328 |
| Assets per employee ($millions) | 5.5243% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9543% | 3,920 |
| Loan loss allowance to noncurrent loans | 545.4545% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 3,325 |
| Noncurrent loans to loans | 0.1749% | 3,077 |
| Net loans and leases to total assets | 49.6782% | 3,324 |
| Net loans and leases to deposits | 54.3329% | 3,573 |
| Net loans and leases to core deposits | 54.8975% | 3,694 |
| Total domestic deposits to total assets | 91.4329% | 337 |
| Equity capital to assets | 8.1716% | 4,258 |
| Core capital (leverage) ratio | 8.3043% | 4,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6220% | 948 |
| Memoranda: | ||
| Average total assets | $313,988,200 | 2,371 |
| Average earning assets | $301,122,000 | 2,329 |
| Average equity | $26,615,600 | 2,750 |
| Average total loans | $168,384,200 | 2,481 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6517% | 4,454 |
| Cost of funding earning assets | 0.1729% | 3,895 |
| Net interest margin | 2.4788% | 4,315 |
| Noninterest income to average assets | 0.4441% | 2,868 |
| Noninterest expense to average assets | 2.5264% | 2,048 |
| Loan and lease loss provision to assets | 0.1103% | 1,098 |
| Net operating income to assets | 0.1458% | 4,665 |
| Return on assets (ROA) | 0.1458% | 4,687 |
| Pretax return on assets | 0.1865% | 4,674 |
| Return on Equity (ROE) | 1.7035% | 4,627 |
| Retained earnings to average equity (ytd only) | 1.7035% | 4,269 |
| Net charge-offs to loans | 0.1462% | 561 |
| Credit loss provision to net charge-offs | 138.1720% | 1,400 |
| Earnings coverage of net charge-offs (x) | 3.7204% | 2,298 |
| Efficiency ratio | 89.4913% | 335 |
| Assets per employee ($millions) | 5.3500% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 4,033 |
| Loan loss allowance to noncurrent loans | 337.2591% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 3,139 |
| Noncurrent loans to loans | 0.2788% | 2,800 |
| Net loans and leases to total assets | 51.6903% | 3,224 |
| Net loans and leases to deposits | 56.5143% | 3,530 |
| Net loans and leases to core deposits | 57.1101% | 3,695 |
| Total domestic deposits to total assets | 91.4642% | 242 |
| Equity capital to assets | 8.2859% | 4,360 |
| Core capital (leverage) ratio | 8.5012% | 4,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9462% | 1,141 |
| Memoranda: | ||
| Average total assets | $311,001,750 | 2,409 |
| Average earning assets | $298,472,250 | 2,365 |
| Average equity | $26,611,000 | 2,782 |
| Average total loans | $169,610,750 | 2,499 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6901% | 4,470 |
| Cost of funding earning assets | 0.1868% | 3,884 |
| Net interest margin | 2.5032% | 4,297 |
| Noninterest income to average assets | 0.4440% | 2,879 |
| Noninterest expense to average assets | 2.5612% | 1,960 |
| Loan and lease loss provision to assets | 0.1476% | 813 |
| Net operating income to assets | 0.1092% | 4,700 |
| Return on assets (ROA) | 0.1092% | 4,717 |
| Pretax return on assets | 0.1391% | 4,705 |
| Return on Equity (ROE) | 1.2624% | 4,674 |
| Retained earnings to average equity (ytd only) | 1.2624% | 4,288 |
| Net charge-offs to loans | 0.2184% | 398 |
| Credit loss provision to net charge-offs | 122.0430% | 1,252 |
| Earnings coverage of net charge-offs (x) | 2.3710% | 2,125 |
| Efficiency ratio | 89.9338% | 349 |
| Assets per employee ($millions) | 5.1023% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9243% | 4,079 |
| Loan loss allowance to noncurrent loans | 323.8994% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 3,234 |
| Noncurrent loans to loans | 0.2854% | 2,910 |
| Net loans and leases to total assets | 53.2060% | 3,232 |
| Net loans and leases to deposits | 58.3154% | 3,519 |
| Net loans and leases to core deposits | 58.9506% | 3,689 |
| Total domestic deposits to total assets | 91.2384% | 298 |
| Equity capital to assets | 8.5567% | 4,160 |
| Core capital (leverage) ratio | 8.5056% | 3,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2291% | 1,075 |
| Memoranda: | ||
| Average total assets | $307,668,333 | 2,412 |
| Average earning assets | $295,457,333 | 2,374 |
| Average equity | $26,615,333 | 2,772 |
| Average total loans | $170,313,667 | 2,511 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7165% | 4,460 |
| Cost of funding earning assets | 0.1976% | 3,934 |
| Net interest margin | 2.5188% | 4,269 |
| Noninterest income to average assets | 0.4394% | 2,873 |
| Noninterest expense to average assets | 2.4493% | 2,327 |
| Loan and lease loss provision to assets | 0.2576% | 397 |
| Net operating income to assets | 0.1229% | 4,696 |
| Return on assets (ROA) | 0.1229% | 4,712 |
| Pretax return on assets | 0.1491% | 4,704 |
| Return on Equity (ROE) | 1.4132% | 4,667 |
| Retained earnings to average equity (ytd only) | 1.4132% | 4,140 |
| Net charge-offs to loans | 0.4328% | 187 |
| Credit loss provision to net charge-offs | 105.9140% | 1,085 |
| Earnings coverage of net charge-offs (x) | 1.6720% | 1,839 |
| Efficiency ratio | 85.7601% | 519 |
| Assets per employee ($millions) | 5.3396% | 3,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 4,183 |
| Loan loss allowance to noncurrent loans | 252.9215% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 3,199 |
| Noncurrent loans to loans | 0.3516% | 2,823 |
| Net loans and leases to total assets | 54.5176% | 3,190 |
| Net loans and leases to deposits | 59.7767% | 3,506 |
| Net loans and leases to core deposits | 60.3360% | 3,675 |
| Total domestic deposits to total assets | 91.2021% | 330 |
| Equity capital to assets | 8.5012% | 4,113 |
| Core capital (leverage) ratio | 8.7629% | 3,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0013% | 1,071 |
| Memoranda: | ||
| Average total assets | $305,881,000 | 2,412 |
| Average earning assets | $293,469,000 | 2,370 |
| Average equity | $26,607,000 | 2,758 |
| Average total loans | $171,898,000 | 2,503 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1978% | 4,455 |
| Cost of funding earning assets | 0.2975% | 4,159 |
| Net interest margin | 2.9003% | 4,108 |
| Noninterest income to average assets | 0.4698% | 2,773 |
| Noninterest expense to average assets | 2.9388% | 1,574 |
| Loan and lease loss provision to assets | 0.0143% | 4,194 |
| Net operating income to assets | 0.2111% | 4,560 |
| Return on assets (ROA) | 0.2111% | 4,617 |
| Pretax return on assets | 0.2863% | 4,565 |
| Return on Equity (ROE) | 2.2217% | 4,534 |
| Retained earnings to average equity (ytd only) | 2.2217% | 3,739 |
| Net charge-offs to loans | 0.0547% | 2,005 |
| Credit loss provision to net charge-offs | 42.1053% | 3,177 |
| Earnings coverage of net charge-offs (x) | 8.8421% | 2,565 |
| Efficiency ratio | 90.7213% | 351 |
| Assets per employee ($millions) | 5.0344% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 4,278 |
| Loan loss allowance to noncurrent loans | 220.8517% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 3,154 |
| Noncurrent loans to loans | 0.3926% | 2,801 |
| Net loans and leases to total assets | 56.9207% | 3,211 |
| Net loans and leases to deposits | 62.6915% | 3,551 |
| Net loans and leases to core deposits | 63.4145% | 3,739 |
| Total domestic deposits to total assets | 90.7950% | 280 |
| Equity capital to assets | 8.9008% | 4,147 |
| Core capital (leverage) ratio | 8.9478% | 3,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1447% | 1,030 |
| Memoranda: | ||
| Average total assets | $279,471,000 | 2,400 |
| Average earning assets | $266,869,800 | 2,357 |
| Average equity | $26,556,800 | 2,707 |
| Average total loans | $173,818,000 | 2,458 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3435% | 4,420 |
| Cost of funding earning assets | 0.3206% | 4,212 |
| Net interest margin | 3.0229% | 3,920 |
| Noninterest income to average assets | 0.4791% | 2,699 |
| Noninterest expense to average assets | 3.0155% | 1,412 |
| Loan and lease loss provision to assets | 0.0099% | 4,177 |
| Net operating income to assets | 0.2469% | 4,527 |
| Return on assets (ROA) | 0.2469% | 4,565 |
| Pretax return on assets | 0.3374% | 4,507 |
| Return on Equity (ROE) | 2.5533% | 4,470 |
| Retained earnings to average equity (ytd only) | 2.5533% | 3,710 |
| Net charge-offs to loans | 0.0713% | 1,600 |
| Credit loss provision to net charge-offs | 21.5054% | 2,976 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,560 |
| Efficiency ratio | 89.6756% | 373 |
| Assets per employee ($millions) | 4.6255% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 4,214 |
| Loan loss allowance to noncurrent loans | 203.5616% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 3,027 |
| Noncurrent loans to loans | 0.4196% | 2,801 |
| Net loans and leases to total assets | 60.1392% | 3,217 |
| Net loans and leases to deposits | 66.6132% | 3,565 |
| Net loans and leases to core deposits | 67.4949% | 3,792 |
| Total domestic deposits to total assets | 90.2812% | 337 |
| Equity capital to assets | 9.3538% | 3,814 |
| Core capital (leverage) ratio | 9.2505% | 3,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1934% | 1,026 |
| Memoranda: | ||
| Average total assets | $273,822,750 | 2,408 |
| Average earning assets | $261,199,250 | 2,367 |
| Average equity | $26,474,500 | 2,697 |
| Average total loans | $173,912,250 | 2,452 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4727% | 4,447 |
| Cost of funding earning assets | 0.3420% | 4,301 |
| Net interest margin | 3.1307% | 3,835 |
| Noninterest income to average assets | 0.4705% | 2,709 |
| Noninterest expense to average assets | 3.1554% | 1,235 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2145% | 4,556 |
| Return on assets (ROA) | 0.2145% | 4,595 |
| Pretax return on assets | 0.2976% | 4,543 |
| Return on Equity (ROE) | 2.1929% | 4,495 |
| Retained earnings to average equity (ytd only) | 2.1929% | 3,682 |
| Net charge-offs to loans | 0.0874% | 1,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.2763% | 2,526 |
| Efficiency ratio | 91.3819% | 358 |
| Assets per employee ($millions) | 4.6848% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 4,160 |
| Loan loss allowance to noncurrent loans | 154.9634% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.3349% | 2,968 |
| Noncurrent loans to loans | 0.5535% | 2,505 |
| Net loans and leases to total assets | 59.9871% | 3,332 |
| Net loans and leases to deposits | 66.4701% | 3,680 |
| Net loans and leases to core deposits | 67.3504% | 3,897 |
| Total domestic deposits to total assets | 90.2467% | 335 |
| Equity capital to assets | 9.3386% | 3,791 |
| Core capital (leverage) ratio | 9.4930% | 3,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0791% | 1,042 |
| Memoranda: | ||
| Average total assets | $269,502,667 | 2,414 |
| Average earning assets | $256,746,000 | 2,374 |
| Average equity | $26,357,667 | 2,692 |
| Average total loans | $173,898,000 | 2,440 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7283% | 4,334 |
| Cost of funding earning assets | 0.3588% | 4,492 |
| Net interest margin | 3.3695% | 3,401 |
| Noninterest income to average assets | 0.5142% | 2,476 |
| Noninterest expense to average assets | 3.5153% | 915 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1546% | 4,598 |
| Return on assets (ROA) | 0.1546% | 4,600 |
| Pretax return on assets | 0.2035% | 4,561 |
| Return on Equity (ROE) | 1.5424% | 4,534 |
| Retained earnings to average equity (ytd only) | 1.5424% | 3,587 |
| Net charge-offs to loans | 0.0528% | 1,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 5.7826% | 2,029 |
| Efficiency ratio | 94.5267% | 363 |
| Assets per employee ($millions) | 4.2327% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 4,203 |
| Loan loss allowance to noncurrent loans | 166.9565% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 2,926 |
| Noncurrent loans to loans | 0.5247% | 2,687 |
| Net loans and leases to total assets | 66.2239% | 2,793 |
| Net loans and leases to deposits | 74.0642% | 3,269 |
| Net loans and leases to core deposits | 75.1399% | 3,558 |
| Total domestic deposits to total assets | 89.4141% | 500 |
| Equity capital to assets | 10.0699% | 3,715 |
| Core capital (leverage) ratio | 9.9618% | 3,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,369,000 | 2,426 |
| Average earning assets | $248,584,000 | 2,376 |
| Average equity | $26,193,000 | 2,697 |
| Average total loans | $174,393,000 | 2,423 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8964% | 4,438 |
| Cost of funding earning assets | 0.3628% | 4,562 |
| Net interest margin | 3.5336% | 3,333 |
| Noninterest income to average assets | 0.6047% | 2,196 |
| Noninterest expense to average assets | 3.2722% | 1,356 |
| Loan and lease loss provision to assets | 0.0170% | 3,680 |
| Net operating income to assets | 0.4860% | 4,435 |
| Return on assets (ROA) | 0.4860% | 4,485 |
| Pretax return on assets | 0.6743% | 4,267 |
| Return on Equity (ROE) | 4.9853% | 4,211 |
| Retained earnings to average equity (ytd only) | 4.9853% | 2,428 |
| Net charge-offs to loans | 0.0156% | 3,160 |
| Credit loss provision to net charge-offs | 162.9630% | 1,587 |
| Earnings coverage of net charge-offs (x) | 66.2222% | 918 |
| Efficiency ratio | 82.5578% | 767 |
| Assets per employee ($millions) | 4.1320% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 3,963 |
| Loan loss allowance to noncurrent loans | 226.2700% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 3,372 |
| Noncurrent loans to loans | 0.3972% | 3,017 |
| Net loans and leases to total assets | 66.0370% | 2,946 |
| Net loans and leases to deposits | 73.7787% | 3,373 |
| Net loans and leases to core deposits | 74.5456% | 3,675 |
| Total domestic deposits to total assets | 89.5069% | 485 |
| Equity capital to assets | 9.9726% | 3,947 |
| Core capital (leverage) ratio | 9.9933% | 3,527 |
| Tier 1 risk-based capital ratio | 16.9156% | 2,076 |
| Total risk-based capital ratio | 17.9369% | 2,092 |
| Memoranda: | ||
| Average total assets | $258,635,400 | 2,406 |
| Average earning assets | $245,841,000 | 2,367 |
| Average equity | $25,214,200 | 2,702 |
| Average total loans | $173,153,600 | 2,387 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 4,498 |
| Cost of funding earning assets | 0.3630% | 4,622 |
| Net interest margin | 3.5620% | 3,364 |
| Noninterest income to average assets | 0.6108% | 2,148 |
| Noninterest expense to average assets | 3.1652% | 1,539 |
| Loan and lease loss provision to assets | 0.0227% | 3,454 |
| Net operating income to assets | 0.5793% | 4,343 |
| Return on assets (ROA) | 0.5793% | 4,390 |
| Pretax return on assets | 0.8076% | 4,102 |
| Return on Equity (ROE) | 5.9772% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.9772% | 2,383 |
| Net charge-offs to loans | 0.0185% | 2,761 |
| Credit loss provision to net charge-offs | 183.3333% | 1,410 |
| Earnings coverage of net charge-offs (x) | 66.9984% | 990 |
| Efficiency ratio | 79.2194% | 993 |
| Assets per employee ($millions) | 3.9862% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 4,046 |
| Loan loss allowance to noncurrent loans | 235.5958% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 3,542 |
| Noncurrent loans to loans | 0.3819% | 3,186 |
| Net loans and leases to total assets | 66.3908% | 3,002 |
| Net loans and leases to deposits | 74.1193% | 3,463 |
| Net loans and leases to core deposits | 74.7288% | 3,784 |
| Total domestic deposits to total assets | 89.5730% | 424 |
| Equity capital to assets | 9.9620% | 4,058 |
| Core capital (leverage) ratio | 10.0635% | 3,573 |
| Tier 1 risk-based capital ratio | 16.8586% | 2,129 |
| Total risk-based capital ratio | 17.8838% | 2,144 |
| Memoranda: | ||
| Average total assets | $258,216,000 | 2,427 |
| Average earning assets | $245,359,750 | 2,383 |
| Average equity | $25,027,750 | 2,729 |
| Average total loans | $173,076,500 | 2,418 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9209% | 4,522 |
| Cost of funding earning assets | 0.3594% | 4,657 |
| Net interest margin | 3.5615% | 3,393 |
| Noninterest income to average assets | 0.6134% | 2,087 |
| Noninterest expense to average assets | 3.1079% | 1,711 |
| Loan and lease loss provision to assets | 0.0070% | 3,589 |
| Net operating income to assets | 0.6250% | 4,236 |
| Return on assets (ROA) | 0.6250% | 4,282 |
| Pretax return on assets | 0.8793% | 3,908 |
| Return on Equity (ROE) | 6.5088% | 3,875 |
| Retained earnings to average equity (ytd only) | 6.5088% | 2,048 |
| Net charge-offs to loans | 0.0312% | 2,230 |
| Credit loss provision to net charge-offs | 33.3333% | 2,582 |
| Earnings coverage of net charge-offs (x) | 42.3333% | 1,206 |
| Efficiency ratio | 77.8101% | 1,174 |
| Assets per employee ($millions) | 4.1872% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 4,202 |
| Loan loss allowance to noncurrent loans | 221.8341% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 3,214 |
| Noncurrent loans to loans | 0.3918% | 3,120 |
| Net loans and leases to total assets | 68.0497% | 2,805 |
| Net loans and leases to deposits | 76.0195% | 3,332 |
| Net loans and leases to core deposits | 76.4663% | 3,687 |
| Total domestic deposits to total assets | 89.5162% | 471 |
| Equity capital to assets | 9.9600% | 4,004 |
| Core capital (leverage) ratio | 9.9670% | 3,614 |
| Tier 1 risk-based capital ratio | 16.4886% | 2,237 |
| Total risk-based capital ratio | 17.4798% | 2,268 |
| Memoranda: | ||
| Average total assets | $257,919,670 | 2,434 |
| Average earning assets | $244,843,000 | 2,393 |
| Average equity | $24,766,330 | 2,744 |
| Average total loans | $172,907,330 | 2,425 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8996% | 4,551 |
| Cost of funding earning assets | 0.3647% | 4,622 |
| Net interest margin | 3.5349% | 3,484 |
| Noninterest income to average assets | 0.6035% | 2,026 |
| Noninterest expense to average assets | 3.0714% | 1,802 |
| Loan and lease loss provision to assets | 0.0139% | 3,256 |
| Net operating income to assets | 0.6251% | 4,163 |
| Return on assets (ROA) | 0.6251% | 4,207 |
| Pretax return on assets | 0.8689% | 3,866 |
| Return on Equity (ROE) | 6.6313% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.6313% | 2,188 |
| Net charge-offs to loans | 0.0163% | 2,143 |
| Credit loss provision to net charge-offs | 128.5714% | 1,356 |
| Earnings coverage of net charge-offs (x) | 81.7143% | 764 |
| Efficiency ratio | 77.6737% | 1,309 |
| Assets per employee ($millions) | 4.3474% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 4,154 |
| Loan loss allowance to noncurrent loans | 225.7310% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.4896% | 2,653 |
| Noncurrent loans to loans | 0.3986% | 3,162 |
| Net loans and leases to total assets | 65.1908% | 3,150 |
| Net loans and leases to deposits | 74.0065% | 3,452 |
| Net loans and leases to core deposits | 74.4397% | 3,774 |
| Total domestic deposits to total assets | 88.0879% | 1,291 |
| Equity capital to assets | 9.5095% | 4,250 |
| Core capital (leverage) ratio | 9.8245% | 3,789 |
| Tier 1 risk-based capital ratio | 16.2580% | 2,351 |
| Total risk-based capital ratio | 17.2662% | 2,380 |
| Memoranda: | ||
| Average total assets | $259,168,500 | 2,452 |
| Average earning assets | $245,668,000 | 2,412 |
| Average equity | $24,429,500 | 2,767 |
| Average total loans | $171,692,000 | 2,461 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7287% | 4,624 |
| Cost of funding earning assets | 0.3353% | 4,377 |
| Net interest margin | 3.3935% | 4,015 |
| Noninterest income to average assets | 0.5922% | 2,338 |
| Noninterest expense to average assets | 2.9296% | 2,245 |
| Loan and lease loss provision to assets | 0.0111% | 3,913 |
| Net operating income to assets | 0.6267% | 4,342 |
| Return on assets (ROA) | 0.6267% | 4,352 |
| Pretax return on assets | 0.8657% | 3,984 |
| Return on Equity (ROE) | 7.0767% | 3,799 |
| Retained earnings to average equity (ytd only) | 7.0767% | 1,639 |
| Net charge-offs to loans | 0.0048% | 3,547 |
| Credit loss provision to net charge-offs | 362.5000% | 882 |
| Earnings coverage of net charge-offs (x) | 286.1250% | 339 |
| Efficiency ratio | 76.9649% | 1,239 |
| Assets per employee ($millions) | 4.3643% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 4,171 |
| Loan loss allowance to noncurrent loans | 156.3895% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5161% | 2,529 |
| Noncurrent loans to loans | 0.5739% | 2,560 |
| Net loans and leases to total assets | 66.1189% | 3,114 |
| Net loans and leases to deposits | 74.9212% | 3,431 |
| Net loans and leases to core deposits | 75.3633% | 3,762 |
| Total domestic deposits to total assets | 88.2513% | 1,181 |
| Equity capital to assets | 9.3416% | 4,281 |
| Core capital (leverage) ratio | 9.5076% | 4,104 |
| Tier 1 risk-based capital ratio | 15.8400% | 2,474 |
| Total risk-based capital ratio | 16.8400% | 2,502 |
| Memoranda: | ||
| Average total assets | $261,063,800 | 2,395 |
| Average earning assets | $247,269,000 | 2,358 |
| Average equity | $23,118,000 | 2,804 |
| Average total loans | $167,525,000 | 2,461 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6774% | 4,689 |
| Cost of funding earning assets | 0.3283% | 4,319 |
| Net interest margin | 3.3492% | 4,158 |
| Noninterest income to average assets | 0.5782% | 2,430 |
| Noninterest expense to average assets | 2.9190% | 2,254 |
| Loan and lease loss provision to assets | -0.0081% | 5,208 |
| Net operating income to assets | 0.6087% | 4,478 |
| Return on assets (ROA) | 0.6087% | 4,489 |
| Pretax return on assets | 0.8403% | 4,194 |
| Return on Equity (ROE) | 6.9683% | 3,946 |
| Retained earnings to average equity (ytd only) | 6.9683% | 2,140 |
| Net charge-offs to loans | -0.0200% | 4,621 |
| Credit loss provision to net charge-offs | 64.0000% | 2,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8155% | 1,139 |
| Assets per employee ($millions) | 4.3973% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9011% | 4,256 |
| Loan loss allowance to noncurrent loans | 151.1858% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.5288% | 2,628 |
| Noncurrent loans to loans | 0.5960% | 2,596 |
| Net loans and leases to total assets | 64.8589% | 3,322 |
| Net loans and leases to deposits | 73.2449% | 3,659 |
| Net loans and leases to core deposits | 73.5909% | 3,973 |
| Total domestic deposits to total assets | 88.5507% | 1,025 |
| Equity capital to assets | 8.9697% | 4,578 |
| Core capital (leverage) ratio | 9.2768% | 4,426 |
| Tier 1 risk-based capital ratio | 15.7479% | 2,551 |
| Total risk-based capital ratio | 16.7545% | 2,581 |
| Memoranda: | ||
| Average total assets | $261,956,750 | 2,399 |
| Average earning assets | $248,175,750 | 2,362 |
| Average equity | $22,884,000 | 2,833 |
| Average total loans | $166,458,000 | 2,484 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6139% | 4,745 |
| Cost of funding earning assets | 0.3230% | 4,254 |
| Net interest margin | 3.2909% | 4,272 |
| Noninterest income to average assets | 0.5647% | 2,501 |
| Noninterest expense to average assets | 2.9110% | 2,325 |
| Loan and lease loss provision to assets | 0.0030% | 3,750 |
| Net operating income to assets | 0.5236% | 4,691 |
| Return on assets (ROA) | 0.5236% | 4,697 |
| Pretax return on assets | 0.7679% | 4,343 |
| Return on Equity (ROE) | 6.0470% | 4,223 |
| Retained earnings to average equity (ytd only) | 6.0470% | 2,533 |
| Net charge-offs to loans | 0.0133% | 2,690 |
| Credit loss provision to net charge-offs | 36.3636% | 2,592 |
| Earnings coverage of net charge-offs (x) | 92.0909% | 737 |
| Efficiency ratio | 79.0616% | 1,111 |
| Assets per employee ($millions) | 4.4210% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 4,344 |
| Loan loss allowance to noncurrent loans | 133.6275% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 2,491 |
| Noncurrent loans to loans | 0.6734% | 2,420 |
| Net loans and leases to total assets | 63.9246% | 3,408 |
| Net loans and leases to deposits | 71.9776% | 3,714 |
| Net loans and leases to core deposits | 72.4795% | 3,980 |
| Total domestic deposits to total assets | 88.8118% | 1,009 |
| Equity capital to assets | 8.7718% | 4,743 |
| Core capital (leverage) ratio | 9.0000% | 4,691 |
| Tier 1 risk-based capital ratio | 15.4480% | 2,664 |
| Total risk-based capital ratio | 16.4480% | 2,704 |
| Memoranda: | ||
| Average total assets | $262,795,670 | 2,396 |
| Average earning assets | $248,930,670 | 2,371 |
| Average equity | $22,755,000 | 2,859 |
| Average total loans | $165,344,000 | 2,503 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5659% | 4,772 |
| Cost of funding earning assets | 0.3250% | 4,169 |
| Net interest margin | 3.2408% | 4,339 |
| Noninterest income to average assets | 0.5717% | 2,413 |
| Noninterest expense to average assets | 2.8873% | 2,419 |
| Loan and lease loss provision to assets | -0.0167% | 5,422 |
| Net operating income to assets | 0.5080% | 4,672 |
| Return on assets (ROA) | 0.5080% | 4,679 |
| Pretax return on assets | 0.7704% | 4,220 |
| Return on Equity (ROE) | 5.9050% | 4,187 |
| Retained earnings to average equity (ytd only) | 5.9050% | 2,754 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3003% | 1,223 |
| Assets per employee ($millions) | 4.3989% | 3,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 4,390 |
| Loan loss allowance to noncurrent loans | 149.6531% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 2,731 |
| Noncurrent loans to loans | 0.6096% | 2,718 |
| Net loans and leases to total assets | 62.1419% | 3,532 |
| Net loans and leases to deposits | 69.7658% | 3,809 |
| Net loans and leases to core deposits | 70.7169% | 4,045 |
| Total domestic deposits to total assets | 89.0722% | 1,063 |
| Equity capital to assets | 8.5810% | 4,914 |
| Core capital (leverage) ratio | 8.9330% | 4,756 |
| Tier 1 risk-based capital ratio | 15.3923% | 2,698 |
| Total risk-based capital ratio | 16.4031% | 2,740 |
| Memoranda: | ||
| Average total assets | $263,775,000 | 2,416 |
| Average earning assets | $249,813,000 | 2,382 |
| Average equity | $22,692,500 | 2,895 |
| Average total loans | $163,889,500 | 2,533 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4351% | 4,889 |
| Cost of funding earning assets | 0.4166% | 3,081 |
| Net interest margin | 3.0184% | 4,846 |
| Noninterest income to average assets | 0.6313% | 2,298 |
| Noninterest expense to average assets | 2.8340% | 2,668 |
| Loan and lease loss provision to assets | 0.1133% | 2,008 |
| Net operating income to assets | 0.3311% | 4,875 |
| Return on assets (ROA) | 0.3311% | 4,894 |
| Pretax return on assets | 0.5379% | 4,865 |
| Return on Equity (ROE) | 3.8646% | 4,545 |
| Retained earnings to average equity (ytd only) | 3.8646% | 2,893 |
| Net charge-offs to loans | 0.1870% | 1,349 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 5.7466% | 3,276 |
| Efficiency ratio | 81.3159% | 979 |
| Assets per employee ($millions) | 4.4681% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 4,283 |
| Loan loss allowance to noncurrent loans | 185.9413% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 2,816 |
| Noncurrent loans to loans | 0.5041% | 3,009 |
| Net loans and leases to total assets | 60.9729% | 3,736 |
| Net loans and leases to deposits | 68.4923% | 3,990 |
| Net loans and leases to core deposits | 69.5398% | 4,201 |
| Total domestic deposits to total assets | 89.0216% | 998 |
| Equity capital to assets | 8.6250% | 5,012 |
| Core capital (leverage) ratio | 8.6210% | 5,025 |
| Tier 1 risk-based capital ratio | 15.7840% | 2,520 |
| Total risk-based capital ratio | 16.8325% | 2,532 |
| Memoranda: | ||
| Average total assets | $261,218,800 | 2,406 |
| Average earning assets | $246,982,000 | 2,366 |
| Average equity | $22,382,600 | 2,913 |
| Average total loans | $158,328,800 | 2,565 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4060% | 4,962 |
| Cost of funding earning assets | 0.4280% | 2,898 |
| Net interest margin | 2.9780% | 4,966 |
| Noninterest income to average assets | 0.6129% | 2,403 |
| Noninterest expense to average assets | 2.8373% | 2,606 |
| Loan and lease loss provision to assets | 0.0829% | 2,432 |
| Net operating income to assets | 0.3504% | 5,110 |
| Return on assets (ROA) | 0.3504% | 5,132 |
| Pretax return on assets | 0.5085% | 5,013 |
| Return on Equity (ROE) | 4.0967% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.0967% | 3,480 |
| Net charge-offs to loans | 0.1364% | 1,432 |
| Credit loss provision to net charge-offs | 100.6211% | 2,266 |
| Earnings coverage of net charge-offs (x) | 7.1801% | 2,905 |
| Efficiency ratio | 82.7514% | 859 |
| Assets per employee ($millions) | 4.7551% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 4,345 |
| Loan loss allowance to noncurrent loans | 133.2750% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6228% | 2,646 |
| Noncurrent loans to loans | 0.7084% | 2,587 |
| Net loans and leases to total assets | 58.9163% | 3,973 |
| Net loans and leases to deposits | 67.0761% | 4,176 |
| Net loans and leases to core deposits | 68.0879% | 4,358 |
| Total domestic deposits to total assets | 87.8351% | 1,453 |
| Equity capital to assets | 8.3806% | 5,353 |
| Core capital (leverage) ratio | 8.6893% | 5,074 |
| Tier 1 risk-based capital ratio | 15.8299% | 2,579 |
| Total risk-based capital ratio | 16.8905% | 2,598 |
| Memoranda: | ||
| Average total assets | $260,619,250 | 2,423 |
| Average earning assets | $246,424,250 | 2,386 |
| Average equity | $22,294,000 | 2,945 |
| Average total loans | $157,347,000 | 2,593 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4086% | 4,959 |
| Cost of funding earning assets | 0.4332% | 2,772 |
| Net interest margin | 2.9754% | 4,965 |
| Noninterest income to average assets | 0.6230% | 2,360 |
| Noninterest expense to average assets | 2.8591% | 2,548 |
| Loan and lease loss provision to assets | 0.0964% | 2,070 |
| Net operating income to assets | 0.3313% | 5,150 |
| Return on assets (ROA) | 0.3313% | 5,172 |
| Pretax return on assets | 0.4776% | 5,045 |
| Return on Equity (ROE) | 3.8459% | 4,865 |
| Retained earnings to average equity (ytd only) | 3.8459% | 3,402 |
| Net charge-offs to loans | 0.1192% | 1,452 |
| Credit loss provision to net charge-offs | 133.3333% | 1,650 |
| Earnings coverage of net charge-offs (x) | 7.9355% | 2,559 |
| Efficiency ratio | 83.2805% | 901 |
| Assets per employee ($millions) | 4.3527% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 4,299 |
| Loan loss allowance to noncurrent loans | 150.5335% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.5903% | 2,803 |
| Noncurrent loans to loans | 0.6472% | 2,794 |
| Net loans and leases to total assets | 61.4271% | 3,697 |
| Net loans and leases to deposits | 70.2783% | 3,891 |
| Net loans and leases to core deposits | 71.4200% | 4,132 |
| Total domestic deposits to total assets | 87.4055% | 1,760 |
| Equity capital to assets | 8.7341% | 5,117 |
| Core capital (leverage) ratio | 8.8123% | 4,936 |
| Tier 1 risk-based capital ratio | 15.9150% | 2,539 |
| Total risk-based capital ratio | 17.0149% | 2,532 |
| Memoranda: | ||
| Average total assets | $257,145,000 | 2,467 |
| Average earning assets | $242,858,330 | 2,424 |
| Average equity | $22,153,670 | 2,957 |
| Average total loans | $156,059,330 | 2,616 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3921% | 4,939 |
| Cost of funding earning assets | 0.4382% | 2,636 |
| Net interest margin | 2.9539% | 4,986 |
| Noninterest income to average assets | 0.6140% | 2,351 |
| Noninterest expense to average assets | 2.8666% | 2,556 |
| Loan and lease loss provision to assets | 0.1181% | 1,613 |
| Net operating income to assets | 0.3047% | 5,183 |
| Return on assets (ROA) | 0.3047% | 5,202 |
| Pretax return on assets | 0.4166% | 5,131 |
| Return on Equity (ROE) | 3.5611% | 4,935 |
| Retained earnings to average equity (ytd only) | 3.5611% | 3,663 |
| Net charge-offs to loans | 0.1036% | 1,339 |
| Credit loss provision to net charge-offs | 190.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 8.6000% | 2,048 |
| Efficiency ratio | 84.2779% | 946 |
| Assets per employee ($millions) | 4.4458% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 4,316 |
| Loan loss allowance to noncurrent loans | 155.8559% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5612% | 2,985 |
| Noncurrent loans to loans | 0.6394% | 2,907 |
| Net loans and leases to total assets | 59.9920% | 3,788 |
| Net loans and leases to deposits | 68.5019% | 3,941 |
| Net loans and leases to core deposits | 69.6047% | 4,176 |
| Total domestic deposits to total assets | 87.5772% | 1,956 |
| Equity capital to assets | 8.5897% | 5,168 |
| Core capital (leverage) ratio | 8.7377% | 5,014 |
| Tier 1 risk-based capital ratio | 15.9441% | 2,575 |
| Total risk-based capital ratio | 17.0609% | 2,563 |
| Memoranda: | ||
| Average total assets | $257,312,500 | 2,482 |
| Average earning assets | $242,798,000 | 2,452 |
| Average equity | $22,015,500 | 2,980 |
| Average total loans | $154,437,500 | 2,643 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2821% | 5,184 |
| Cost of funding earning assets | 0.4854% | 2,205 |
| Net interest margin | 2.7967% | 5,294 |
| Noninterest income to average assets | 0.5876% | 2,724 |
| Noninterest expense to average assets | 2.8388% | 2,882 |
| Loan and lease loss provision to assets | 0.1412% | 1,768 |
| Net operating income to assets | 0.1776% | 5,453 |
| Return on assets (ROA) | 0.1795% | 5,497 |
| Pretax return on assets | 0.2563% | 5,419 |
| Return on Equity (ROE) | 2.0944% | 5,384 |
| Retained earnings to average equity (ytd only) | 2.0944% | 4,346 |
| Net charge-offs to loans | 0.2127% | 1,308 |
| Credit loss provision to net charge-offs | 114.1956% | 2,304 |
| Earnings coverage of net charge-offs (x) | 3.1924% | 3,709 |
| Efficiency ratio | 87.7896% | 695 |
| Assets per employee ($millions) | 4.5047% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 4,352 |
| Loan loss allowance to noncurrent loans | 102.5624% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 0.5931% | 2,953 |
| Noncurrent loans to loans | 0.9717% | 2,148 |
| Net loans and leases to total assets | 58.8482% | 3,982 |
| Net loans and leases to deposits | 67.2159% | 4,153 |
| Net loans and leases to core deposits | 68.3002% | 4,376 |
| Total domestic deposits to total assets | 87.5511% | 1,850 |
| Equity capital to assets | 8.5221% | 5,256 |
| Core capital (leverage) ratio | 8.6090% | 5,164 |
| Tier 1 risk-based capital ratio | 15.8597% | 2,605 |
| Total risk-based capital ratio | 16.9546% | 2,594 |
| Memoranda: | ||
| Average total assets | $256,308,200 | 2,459 |
| Average earning assets | $242,499,800 | 2,415 |
| Average equity | $21,963,000 | 2,987 |
| Average total loans | $149,027,600 | 2,657 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2910% | 5,226 |
| Cost of funding earning assets | 0.4937% | 2,142 |
| Net interest margin | 2.7973% | 5,364 |
| Noninterest income to average assets | 0.5532% | 2,901 |
| Noninterest expense to average assets | 2.8634% | 2,773 |
| Loan and lease loss provision to assets | 0.1301% | 1,800 |
| Net operating income to assets | 0.1519% | 5,551 |
| Return on assets (ROA) | 0.1546% | 5,606 |
| Pretax return on assets | 0.2144% | 5,545 |
| Return on Equity (ROE) | 1.8013% | 5,509 |
| Retained earnings to average equity (ytd only) | 1.8013% | 4,787 |
| Net charge-offs to loans | 0.1980% | 1,181 |
| Credit loss provision to net charge-offs | 113.6364% | 2,180 |
| Earnings coverage of net charge-offs (x) | 2.9772% | 3,489 |
| Efficiency ratio | 89.3617% | 599 |
| Assets per employee ($millions) | 4.3492% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 4,349 |
| Loan loss allowance to noncurrent loans | 86.9515% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.8687% | 2,376 |
| Noncurrent loans to loans | 1.1603% | 1,931 |
| Net loans and leases to total assets | 56.6265% | 4,237 |
| Net loans and leases to deposits | 64.5807% | 4,447 |
| Net loans and leases to core deposits | 65.8407% | 4,619 |
| Total domestic deposits to total assets | 87.6833% | 1,566 |
| Equity capital to assets | 8.5207% | 5,516 |
| Core capital (leverage) ratio | 8.4764% | 5,380 |
| Tier 1 risk-based capital ratio | 16.4431% | 2,440 |
| Total risk-based capital ratio | 17.5755% | 2,439 |
| Memoranda: | ||
| Average total assets | $256,193,000 | 2,464 |
| Average earning assets | $242,796,250 | 2,421 |
| Average equity | $21,983,250 | 3,008 |
| Average total loans | $148,128,250 | 2,671 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3035% | 5,283 |
| Cost of funding earning assets | 0.5050% | 2,060 |
| Net interest margin | 2.7986% | 5,426 |
| Noninterest income to average assets | 0.5569% | 2,867 |
| Noninterest expense to average assets | 2.8617% | 2,802 |
| Loan and lease loss provision to assets | 0.1697% | 1,310 |
| Net operating income to assets | 0.1287% | 5,637 |
| Return on assets (ROA) | 0.1328% | 5,677 |
| Pretax return on assets | 0.1822% | 5,637 |
| Return on Equity (ROE) | 1.5434% | 5,600 |
| Retained earnings to average equity (ytd only) | 1.5434% | 4,761 |
| Net charge-offs to loans | 0.2870% | 831 |
| Credit loss provision to net charge-offs | 101.8868% | 2,066 |
| Earnings coverage of net charge-offs (x) | 2.0802% | 3,331 |
| Efficiency ratio | 89.2018% | 642 |
| Assets per employee ($millions) | 4.3941% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 4,605 |
| Loan loss allowance to noncurrent loans | 82.9132% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 2,397 |
| Noncurrent loans to loans | 1.1851% | 1,936 |
| Net loans and leases to total assets | 57.5286% | 4,166 |
| Net loans and leases to deposits | 65.6451% | 4,377 |
| Net loans and leases to core deposits | 66.9406% | 4,546 |
| Total domestic deposits to total assets | 87.6359% | 1,610 |
| Equity capital to assets | 8.5443% | 5,575 |
| Core capital (leverage) ratio | 8.4494% | 5,405 |
| Tier 1 risk-based capital ratio | 16.2518% | 2,525 |
| Total risk-based capital ratio | 17.3581% | 2,530 |
| Memoranda: | ||
| Average total assets | $254,606,000 | 2,488 |
| Average earning assets | $241,195,670 | 2,445 |
| Average equity | $21,899,330 | 3,020 |
| Average total loans | $147,746,000 | 2,680 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3537% | 5,220 |
| Cost of funding earning assets | 0.5291% | 1,874 |
| Net interest margin | 2.8246% | 5,431 |
| Noninterest income to average assets | 0.4741% | 3,317 |
| Noninterest expense to average assets | 2.8951% | 2,721 |
| Loan and lease loss provision to assets | 0.1046% | 1,956 |
| Net operating income to assets | 0.1210% | 5,651 |
| Return on assets (ROA) | 0.1300% | 5,688 |
| Pretax return on assets | 0.1601% | 5,685 |
| Return on Equity (ROE) | 1.5064% | 5,616 |
| Retained earnings to average equity (ytd only) | 1.5064% | 4,669 |
| Net charge-offs to loans | 0.2078% | 964 |
| Credit loss provision to net charge-offs | 86.8421% | 1,787 |
| Earnings coverage of net charge-offs (x) | 2.1053% | 2,728 |
| Efficiency ratio | 91.9436% | 554 |
| Assets per employee ($millions) | 4.2542% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 4,576 |
| Loan loss allowance to noncurrent loans | 60.5785% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 0.9563% | 2,315 |
| Noncurrent loans to loans | 1.6585% | 1,369 |
| Net loans and leases to total assets | 56.5914% | 4,185 |
| Net loans and leases to deposits | 64.6371% | 4,378 |
| Net loans and leases to core deposits | 65.9332% | 4,539 |
| Total domestic deposits to total assets | 87.5525% | 1,894 |
| Equity capital to assets | 8.6038% | 5,491 |
| Core capital (leverage) ratio | 8.6421% | 5,246 |
| Tier 1 risk-based capital ratio | 17.0867% | 2,258 |
| Total risk-based capital ratio | 18.2435% | 2,242 |
| Memoranda: | ||
| Average total assets | $252,284,000 | 2,524 |
| Average earning assets | $238,898,000 | 2,472 |
| Average equity | $21,773,500 | 3,042 |
| Average total loans | $146,307,500 | 2,700 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5171% | 4,876 |
| Cost of funding earning assets | 0.6602% | 1,020 |
| Net interest margin | 2.8569% | 5,406 |
| Noninterest income to average assets | 0.4823% | 3,447 |
| Noninterest expense to average assets | 3.1463% | 2,096 |
| Loan and lease loss provision to assets | 0.1605% | 1,440 |
| Net operating income to assets | -0.0792% | 5,915 |
| Return on assets (ROA) | 0.1343% | 5,756 |
| Pretax return on assets | 0.0784% | 5,817 |
| Return on Equity (ROE) | 1.5566% | 5,670 |
| Retained earnings to average equity (ytd only) | 1.5566% | 4,831 |
| Net charge-offs to loans | 0.2613% | 1,153 |
| Credit loss provision to net charge-offs | 103.1008% | 2,433 |
| Earnings coverage of net charge-offs (x) | 0.1628% | 4,256 |
| Efficiency ratio | 99.2010% | 301 |
| Assets per employee ($millions) | 4.2986% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 4,568 |
| Loan loss allowance to noncurrent loans | 70.2188% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 0.8856% | 2,460 |
| Noncurrent loans to loans | 1.4329% | 1,624 |
| Net loans and leases to total assets | 58.2483% | 4,049 |
| Net loans and leases to deposits | 66.7034% | 4,248 |
| Net loans and leases to core deposits | 68.0755% | 4,447 |
| Total domestic deposits to total assets | 87.3243% | 1,971 |
| Equity capital to assets | 8.6580% | 5,418 |
| Core capital (leverage) ratio | 8.7059% | 5,208 |
| Tier 1 risk-based capital ratio | 17.1912% | 2,221 |
| Total risk-based capital ratio | 18.3674% | 2,196 |
| Memoranda: | ||
| Average total assets | $248,609,000 | 2,519 |
| Average earning assets | $234,026,600 | 2,471 |
| Average equity | $21,457,600 | 3,031 |
| Average total loans | $148,094,800 | 2,623 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5556% | 4,854 |
| Cost of funding earning assets | 0.6883% | 893 |
| Net interest margin | 2.8673% | 5,464 |
| Noninterest income to average assets | 0.4760% | 3,526 |
| Noninterest expense to average assets | 3.1300% | 2,141 |
| Loan and lease loss provision to assets | 0.1862% | 1,108 |
| Net operating income to assets | -0.0891% | 5,993 |
| Return on assets (ROA) | 0.1927% | 5,754 |
| Pretax return on assets | 0.1379% | 5,860 |
| Return on Equity (ROE) | 2.2340% | 5,621 |
| Retained earnings to average equity (ytd only) | 2.2340% | 4,765 |
| Net charge-offs to loans | 0.3045% | 878 |
| Credit loss provision to net charge-offs | 102.3599% | 2,216 |
| Earnings coverage of net charge-offs (x) | 0.2330% | 3,973 |
| Efficiency ratio | 98.6635% | 330 |
| Assets per employee ($millions) | 4.1220% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 4,776 |
| Loan loss allowance to noncurrent loans | 73.6368% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 0.9445% | 2,497 |
| Noncurrent loans to loans | 1.3518% | 1,894 |
| Net loans and leases to total assets | 59.1968% | 3,981 |
| Net loans and leases to deposits | 67.9002% | 4,200 |
| Net loans and leases to core deposits | 69.3087% | 4,437 |
| Total domestic deposits to total assets | 87.1821% | 1,942 |
| Equity capital to assets | 8.8315% | 5,460 |
| Core capital (leverage) ratio | 8.6640% | 5,393 |
| Tier 1 risk-based capital ratio | 14.8083% | 3,383 |
| Total risk-based capital ratio | 15.8225% | 3,442 |
| Memoranda: | ||
| Average total assets | $248,431,500 | 2,539 |
| Average earning assets | $233,613,000 | 2,496 |
| Average equity | $21,425,500 | 3,054 |
| Average total loans | $148,443,500 | 2,625 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 4,703 |
| Cost of funding earning assets | 0.7277% | 730 |
| Net interest margin | 2.8774% | 5,481 |
| Noninterest income to average assets | 0.4646% | 3,601 |
| Noninterest expense to average assets | 3.0056% | 2,536 |
| Loan and lease loss provision to assets | 0.0908% | 2,302 |
| Net operating income to assets | 0.0394% | 5,950 |
| Return on assets (ROA) | 0.0394% | 5,993 |
| Pretax return on assets | 0.0699% | 5,960 |
| Return on Equity (ROE) | 0.4604% | 5,971 |
| Retained earnings to average equity (ytd only) | 0.4604% | 5,364 |
| Net charge-offs to loans | 0.1965% | 1,277 |
| Credit loss provision to net charge-offs | 77.3973% | 2,364 |
| Earnings coverage of net charge-offs (x) | 1.3699% | 3,527 |
| Efficiency ratio | 94.9226% | 483 |
| Assets per employee ($millions) | 4.3376% | 3,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 4,998 |
| Loan loss allowance to noncurrent loans | 68.4034% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.0953% | 2,317 |
| Noncurrent loans to loans | 1.4196% | 1,890 |
| Net loans and leases to total assets | 59.0222% | 3,974 |
| Net loans and leases to deposits | 67.4868% | 4,183 |
| Net loans and leases to core deposits | 68.9621% | 4,418 |
| Total domestic deposits to total assets | 87.4574% | 1,924 |
| Equity capital to assets | 8.6084% | 5,592 |
| Core capital (leverage) ratio | 8.4895% | 5,543 |
| Tier 1 risk-based capital ratio | 15.4915% | 3,108 |
| Total risk-based capital ratio | 16.5386% | 3,146 |
| Memoranda: | ||
| Average total assets | $248,802,330 | 2,560 |
| Average earning assets | $233,610,670 | 2,510 |
| Average equity | $21,286,670 | 3,081 |
| Average total loans | $148,632,330 | 2,639 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6001% | 4,691 |
| Cost of funding earning assets | 0.7596% | 624 |
| Net interest margin | 2.8405% | 5,567 |
| Noninterest income to average assets | 0.3895% | 4,093 |
| Noninterest expense to average assets | 2.9698% | 2,673 |
| Loan and lease loss provision to assets | 0.0337% | 3,219 |
| Net operating income to assets | 0.0192% | 5,992 |
| Return on assets (ROA) | 0.0192% | 6,031 |
| Pretax return on assets | 0.0529% | 5,994 |
| Return on Equity (ROE) | 0.2255% | 6,019 |
| Retained earnings to average equity (ytd only) | 0.2255% | 5,293 |
| Net charge-offs to loans | 0.1313% | 1,462 |
| Credit loss provision to net charge-offs | 42.8571% | 2,167 |
| Earnings coverage of net charge-offs (x) | 1.1020% | 2,968 |
| Efficiency ratio | 97.1683% | 461 |
| Assets per employee ($millions) | 4.3835% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 5,169 |
| Loan loss allowance to noncurrent loans | 70.4612% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.0090% | 2,607 |
| Noncurrent loans to loans | 1.3766% | 2,086 |
| Net loans and leases to total assets | 58.6781% | 3,847 |
| Net loans and leases to deposits | 69.2154% | 3,838 |
| Net loans and leases to core deposits | 70.2383% | 4,128 |
| Total domestic deposits to total assets | 84.7762% | 3,524 |
| Equity capital to assets | 8.5256% | 5,723 |
| Core capital (leverage) ratio | 8.5739% | 5,454 |
| Tier 1 risk-based capital ratio | 16.0608% | 2,894 |
| Total risk-based capital ratio | 17.1522% | 2,912 |
| Memoranda: | ||
| Average total assets | $249,580,500 | 2,565 |
| Average earning assets | $234,324,500 | 2,516 |
| Average equity | $21,288,000 | 3,101 |
| Average total loans | $149,268,000 | 2,630 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 4,411 |
| Cost of funding earning assets | 0.8536% | 494 |
| Net interest margin | 2.9717% | 5,501 |
| Noninterest income to average assets | 0.4854% | 3,617 |
| Noninterest expense to average assets | 2.8836% | 3,197 |
| Loan and lease loss provision to assets | 0.1582% | 1,661 |
| Net operating income to assets | 0.1464% | 5,886 |
| Return on assets (ROA) | 0.2646% | 5,682 |
| Pretax return on assets | 0.4135% | 5,447 |
| Return on Equity (ROE) | 3.1306% | 5,430 |
| Retained earnings to average equity (ytd only) | 3.1306% | 4,009 |
| Net charge-offs to loans | 0.2542% | 1,681 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 2.4467% | 4,149 |
| Efficiency ratio | 88.1674% | 980 |
| Assets per employee ($millions) | 4.5328% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 5,190 |
| Loan loss allowance to noncurrent loans | 68.7647% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 0.9707% | 2,817 |
| Noncurrent loans to loans | 1.4147% | 2,076 |
| Net loans and leases to total assets | 59.7763% | 3,820 |
| Net loans and leases to deposits | 72.2618% | 3,650 |
| Net loans and leases to core deposits | 73.2672% | 3,994 |
| Total domestic deposits to total assets | 82.7218% | 4,175 |
| Equity capital to assets | 8.5334% | 5,718 |
| Core capital (leverage) ratio | 8.2998% | 5,778 |
| Tier 1 risk-based capital ratio | 15.7751% | 3,081 |
| Total risk-based capital ratio | 16.8941% | 3,089 |
| Memoranda: | ||
| Average total assets | $249,095,200 | 2,535 |
| Average earning assets | $233,469,200 | 2,484 |
| Average equity | $21,050,600 | 3,049 |
| Average total loans | $155,005,400 | 2,493 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 4,348 |
| Cost of funding earning assets | 0.8583% | 522 |
| Net interest margin | 2.9974% | 5,510 |
| Noninterest income to average assets | 0.4717% | 3,732 |
| Noninterest expense to average assets | 2.9381% | 2,997 |
| Loan and lease loss provision to assets | 0.1558% | 1,595 |
| Net operating income to assets | 0.1261% | 5,987 |
| Return on assets (ROA) | 0.2864% | 5,700 |
| Pretax return on assets | 0.4251% | 5,532 |
| Return on Equity (ROE) | 3.3976% | 5,395 |
| Retained earnings to average equity (ytd only) | 3.3976% | 4,208 |
| Net charge-offs to loans | 0.2656% | 1,470 |
| Credit loss provision to net charge-offs | 93.5691% | 2,364 |
| Earnings coverage of net charge-offs (x) | 2.0514% | 4,005 |
| Efficiency ratio | 89.5854% | 875 |
| Assets per employee ($millions) | 4.3350% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 5,445 |
| Loan loss allowance to noncurrent loans | 74.1273% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 0.9037% | 3,184 |
| Noncurrent loans to loans | 1.2761% | 2,508 |
| Net loans and leases to total assets | 61.1956% | 3,593 |
| Net loans and leases to deposits | 74.8700% | 3,320 |
| Net loans and leases to core deposits | 75.9317% | 3,750 |
| Total domestic deposits to total assets | 81.7358% | 4,569 |
| Equity capital to assets | 8.5505% | 5,761 |
| Core capital (leverage) ratio | 8.1681% | 5,958 |
| Tier 1 risk-based capital ratio | 15.4024% | 3,370 |
| Total risk-based capital ratio | 16.5089% | 3,382 |
| Memoranda: | ||
| Average total assets | $249,043,250 | 2,547 |
| Average earning assets | $233,310,750 | 2,501 |
| Average equity | $20,994,750 | 3,064 |
| Average total loans | $156,134,750 | 2,492 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8597% | 4,300 |
| Cost of funding earning assets | 0.8588% | 532 |
| Net interest margin | 3.0008% | 5,520 |
| Noninterest income to average assets | 0.4445% | 3,905 |
| Noninterest expense to average assets | 2.9652% | 2,951 |
| Loan and lease loss provision to assets | 0.1410% | 1,753 |
| Net operating income to assets | 0.1018% | 6,044 |
| Return on assets (ROA) | 0.3452% | 5,491 |
| Pretax return on assets | 0.5062% | 5,259 |
| Return on Equity (ROE) | 4.1145% | 5,094 |
| Retained earnings to average equity (ytd only) | 4.1145% | 3,554 |
| Net charge-offs to loans | 0.2187% | 1,722 |
| Credit loss provision to net charge-offs | 102.3256% | 1,940 |
| Earnings coverage of net charge-offs (x) | 2.0988% | 3,641 |
| Efficiency ratio | 91.1149% | 825 |
| Assets per employee ($millions) | 4.3672% | 3,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 5,626 |
| Loan loss allowance to noncurrent loans | 76.1411% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 0.9633% | 3,132 |
| Noncurrent loans to loans | 1.2234% | 2,786 |
| Net loans and leases to total assets | 62.7189% | 3,284 |
| Net loans and leases to deposits | 76.5334% | 2,985 |
| Net loans and leases to core deposits | 77.3942% | 3,502 |
| Total domestic deposits to total assets | 81.9498% | 4,663 |
| Equity capital to assets | 8.4502% | 5,840 |
| Core capital (leverage) ratio | 8.0339% | 6,075 |
| Tier 1 risk-based capital ratio | 14.8341% | 3,730 |
| Total risk-based capital ratio | 15.9280% | 3,777 |
| Memoranda: | ||
| Average total assets | $249,692,330 | 2,546 |
| Average earning assets | $233,802,670 | 2,502 |
| Average equity | $20,950,330 | 3,062 |
| Average total loans | $157,294,330 | 2,483 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8585% | 4,255 |
| Cost of funding earning assets | 0.8605% | 558 |
| Net interest margin | 2.9980% | 5,525 |
| Noninterest income to average assets | 0.4191% | 4,041 |
| Noninterest expense to average assets | 3.0247% | 2,788 |
| Loan and lease loss provision to assets | 0.0992% | 2,273 |
| Net operating income to assets | 0.1344% | 5,957 |
| Return on assets (ROA) | 0.1344% | 5,994 |
| Pretax return on assets | 0.1040% | 6,073 |
| Return on Equity (ROE) | 1.6070% | 5,897 |
| Retained earnings to average equity (ytd only) | 1.6070% | 4,966 |
| Net charge-offs to loans | 0.2164% | 1,458 |
| Credit loss provision to net charge-offs | 72.9412% | 1,971 |
| Earnings coverage of net charge-offs (x) | 1.4941% | 3,084 |
| Efficiency ratio | 93.7066% | 769 |
| Assets per employee ($millions) | 4.2612% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 5,790 |
| Loan loss allowance to noncurrent loans | 68.0038% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 1.0051% | 3,254 |
| Noncurrent loans to loans | 1.3582% | 2,768 |
| Net loans and leases to total assets | 61.4829% | 3,316 |
| Net loans and leases to deposits | 74.7676% | 2,976 |
| Net loans and leases to core deposits | 75.5950% | 3,451 |
| Total domestic deposits to total assets | 82.2320% | 4,878 |
| Equity capital to assets | 8.3476% | 5,785 |
| Core capital (leverage) ratio | 7.9033% | 6,174 |
| Tier 1 risk-based capital ratio | 14.9217% | 3,753 |
| Total risk-based capital ratio | 16.1774% | 3,706 |
| Memoranda: | ||
| Average total assets | $250,074,500 | 2,554 |
| Average earning assets | $234,286,500 | 2,501 |
| Average equity | $20,908,000 | 3,065 |
| Average total loans | $157,145,000 | 2,495 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 4,067 |
| Cost of funding earning assets | 1.0048% | 431 |
| Net interest margin | 3.0017% | 5,574 |
| Noninterest income to average assets | 0.4521% | 4,080 |
| Noninterest expense to average assets | 2.8680% | 3,464 |
| Loan and lease loss provision to assets | 0.2087% | 1,773 |
| Net operating income to assets | 0.1318% | 5,973 |
| Return on assets (ROA) | 0.1318% | 6,037 |
| Pretax return on assets | 0.1904% | 5,960 |
| Return on Equity (ROE) | 1.6082% | 5,957 |
| Retained earnings to average equity (ytd only) | 1.6082% | 5,070 |
| Net charge-offs to loans | 0.3412% | 1,973 |
| Credit loss provision to net charge-offs | 95.0998% | 2,632 |
| Earnings coverage of net charge-offs (x) | 1.8185% | 4,442 |
| Efficiency ratio | 87.7850% | 1,240 |
| Assets per employee ($millions) | 4.0776% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 5,842 |
| Loan loss allowance to noncurrent loans | 64.1824% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 1.0811% | 3,249 |
| Noncurrent loans to loans | 1.4412% | 2,727 |
| Net loans and leases to total assets | 63.0423% | 3,196 |
| Net loans and leases to deposits | 76.7783% | 2,885 |
| Net loans and leases to core deposits | 77.7402% | 3,399 |
| Total domestic deposits to total assets | 82.1095% | 4,833 |
| Equity capital to assets | 8.3739% | 5,715 |
| Core capital (leverage) ratio | 7.9759% | 6,151 |
| Tier 1 risk-based capital ratio | 14.7973% | 3,784 |
| Total risk-based capital ratio | 16.0183% | 3,746 |
| Memoranda: | ||
| Average total assets | $251,077,600 | 2,521 |
| Average earning assets | $235,463,000 | 2,465 |
| Average equity | $20,582,400 | 3,093 |
| Average total loans | $161,501,000 | 2,405 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 4,032 |
| Cost of funding earning assets | 1.0309% | 424 |
| Net interest margin | 2.9940% | 5,611 |
| Noninterest income to average assets | 0.4450% | 4,192 |
| Noninterest expense to average assets | 2.8540% | 3,469 |
| Loan and lease loss provision to assets | 0.2209% | 1,646 |
| Net operating income to assets | 0.1261% | 6,086 |
| Return on assets (ROA) | 0.1261% | 6,154 |
| Pretax return on assets | 0.1796% | 6,071 |
| Return on Equity (ROE) | 1.5464% | 6,059 |
| Retained earnings to average equity (ytd only) | 1.5464% | 5,357 |
| Net charge-offs to loans | 0.3442% | 1,826 |
| Credit loss provision to net charge-offs | 99.5227% | 2,398 |
| Earnings coverage of net charge-offs (x) | 1.8043% | 4,233 |
| Efficiency ratio | 87.6933% | 1,198 |
| Assets per employee ($millions) | 4.1577% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9237% | 5,990 |
| Loan loss allowance to noncurrent loans | 59.2755% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 0.9905% | 3,680 |
| Noncurrent loans to loans | 1.5583% | 2,828 |
| Net loans and leases to total assets | 62.9720% | 3,170 |
| Net loans and leases to deposits | 78.1986% | 2,629 |
| Net loans and leases to core deposits | 79.2031% | 3,207 |
| Total domestic deposits to total assets | 80.5283% | 5,353 |
| Equity capital to assets | 8.1469% | 6,051 |
| Core capital (leverage) ratio | 7.7530% | 6,354 |
| Tier 1 risk-based capital ratio | 14.4339% | 4,119 |
| Total risk-based capital ratio | 15.6112% | 4,125 |
| Memoranda: | ||
| Average total assets | $251,663,000 | 2,529 |
| Average earning assets | $236,153,000 | 2,474 |
| Average equity | $20,520,750 | 3,137 |
| Average total loans | $162,308,000 | 2,404 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0540% | 3,909 |
| Cost of funding earning assets | 1.0443% | 442 |
| Net interest margin | 3.0097% | 5,549 |
| Noninterest income to average assets | 0.4287% | 4,315 |
| Noninterest expense to average assets | 2.8772% | 3,415 |
| Loan and lease loss provision to assets | 0.1856% | 2,034 |
| Net operating income to assets | 0.1362% | 6,052 |
| Return on assets (ROA) | 0.1362% | 6,155 |
| Pretax return on assets | 0.1880% | 6,100 |
| Return on Equity (ROE) | 1.6704% | 6,046 |
| Retained earnings to average equity (ytd only) | 1.6704% | 5,182 |
| Net charge-offs to loans | 0.2975% | 1,995 |
| Credit loss provision to net charge-offs | 96.2810% | 2,313 |
| Earnings coverage of net charge-offs (x) | 1.9380% | 3,873 |
| Efficiency ratio | 88.5049% | 1,170 |
| Assets per employee ($millions) | 3.9901% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 6,095 |
| Loan loss allowance to noncurrent loans | 52.1280% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 1.1310% | 3,479 |
| Noncurrent loans to loans | 1.7511% | 2,695 |
| Net loans and leases to total assets | 63.9957% | 2,915 |
| Net loans and leases to deposits | 79.6549% | 2,375 |
| Net loans and leases to core deposits | 80.4621% | 2,981 |
| Total domestic deposits to total assets | 80.3412% | 5,527 |
| Equity capital to assets | 8.1897% | 6,062 |
| Core capital (leverage) ratio | 7.7308% | 6,352 |
| Tier 1 risk-based capital ratio | 14.0225% | 4,406 |
| Total risk-based capital ratio | 15.1682% | 4,444 |
| Memoranda: | ||
| Average total assets | $251,011,000 | 2,545 |
| Average earning assets | $235,372,000 | 2,494 |
| Average equity | $20,473,670 | 3,159 |
| Average total loans | $162,678,000 | 2,403 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1047% | 3,705 |
| Cost of funding earning assets | 1.0692% | 432 |
| Net interest margin | 3.0356% | 5,473 |
| Noninterest income to average assets | 0.4098% | 4,390 |
| Noninterest expense to average assets | 2.8673% | 3,471 |
| Loan and lease loss provision to assets | 0.1276% | 2,644 |
| Net operating income to assets | 0.1786% | 5,954 |
| Return on assets (ROA) | 0.1786% | 6,063 |
| Pretax return on assets | 0.2583% | 5,936 |
| Return on Equity (ROE) | 2.1942% | 5,875 |
| Retained earnings to average equity (ytd only) | 2.1942% | 4,907 |
| Net charge-offs to loans | 0.2162% | 2,128 |
| Credit loss provision to net charge-offs | 90.9091% | 2,008 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 2,954 |
| Efficiency ratio | 88.1373% | 1,314 |
| Assets per employee ($millions) | 4.1856% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 6,224 |
| Loan loss allowance to noncurrent loans | 51.5468% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 1.1456% | 3,649 |
| Noncurrent loans to loans | 1.7742% | 2,904 |
| Net loans and leases to total assets | 63.9796% | 2,711 |
| Net loans and leases to deposits | 79.6468% | 2,128 |
| Net loans and leases to core deposits | 80.4540% | 2,750 |
| Total domestic deposits to total assets | 80.3291% | 5,682 |
| Equity capital to assets | 8.1601% | 6,287 |
| Core capital (leverage) ratio | 7.7346% | 6,332 |
| Tier 1 risk-based capital ratio | 14.1647% | 4,386 |
| Total risk-based capital ratio | 15.2966% | 4,433 |
| Memoranda: | ||
| Average total assets | $250,827,500 | 2,573 |
| Average earning assets | $234,947,500 | 2,521 |
| Average equity | $20,417,000 | 3,208 |
| Average total loans | $162,840,500 | 2,408 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 4,177 |
| Cost of funding earning assets | 1.3664% | 284 |
| Net interest margin | 2.9370% | 6,162 |
| Noninterest income to average assets | 0.4012% | 4,602 |
| Noninterest expense to average assets | 2.8064% | 4,005 |
| Loan and lease loss provision to assets | 0.2296% | 2,835 |
| Net operating income to assets | 0.0251% | 6,130 |
| Return on assets (ROA) | 0.0251% | 6,274 |
| Pretax return on assets | 0.1469% | 6,074 |
| Return on Equity (ROE) | 0.3224% | 6,258 |
| Retained earnings to average equity (ytd only) | 0.3224% | 5,695 |
| Net charge-offs to loans | 0.3276% | 3,007 |
| Credit loss provision to net charge-offs | 108.7912% | 2,701 |
| Earnings coverage of net charge-offs (x) | 1.7839% | 4,540 |
| Efficiency ratio | 88.1710% | 1,231 |
| Assets per employee ($millions) | 3.9765% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 6,241 |
| Loan loss allowance to noncurrent loans | 57.9479% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 1.0794% | 3,866 |
| Noncurrent loans to loans | 1.5735% | 3,258 |
| Net loans and leases to total assets | 64.6782% | 2,780 |
| Net loans and leases to deposits | 80.3908% | 2,232 |
| Net loans and leases to core deposits | 81.4827% | 2,824 |
| Total domestic deposits to total assets | 80.4548% | 5,555 |
| Equity capital to assets | 8.1196% | 6,341 |
| Core capital (leverage) ratio | 7.7070% | 6,403 |
| Tier 1 risk-based capital ratio | 13.2955% | 4,899 |
| Total risk-based capital ratio | 14.3448% | 4,986 |
| Memoranda: | ||
| Average total assets | $258,699,000 | 2,450 |
| Average earning assets | $245,015,200 | 2,370 |
| Average equity | $20,164,400 | 3,188 |
| Average total loans | $166,648,200 | 2,347 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3165% | 4,389 |
| Cost of funding earning assets | 1.4078% | 287 |
| Net interest margin | 2.9087% | 6,344 |
| Noninterest income to average assets | 0.3881% | 4,729 |
| Noninterest expense to average assets | 2.8553% | 3,770 |
| Loan and lease loss provision to assets | 0.2720% | 2,399 |
| Net operating income to assets | -0.0731% | 6,376 |
| Return on assets (ROA) | -0.0731% | 6,480 |
| Pretax return on assets | 0.0235% | 6,372 |
| Return on Equity (ROE) | -0.9476% | 6,500 |
| Retained earnings to average equity (ytd only) | -0.9476% | 6,265 |
| Net charge-offs to loans | 0.3751% | 2,599 |
| Credit loss provision to net charge-offs | 112.9512% | 2,589 |
| Earnings coverage of net charge-offs (x) | 1.2272% | 4,677 |
| Efficiency ratio | 90.6199% | 993 |
| Assets per employee ($millions) | 4.1281% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 6,357 |
| Loan loss allowance to noncurrent loans | 58.5670% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 1.0612% | 4,165 |
| Noncurrent loans to loans | 1.5520% | 3,455 |
| Net loans and leases to total assets | 64.0612% | 3,017 |
| Net loans and leases to deposits | 79.6621% | 2,445 |
| Net loans and leases to core deposits | 80.9790% | 3,091 |
| Total domestic deposits to total assets | 80.4162% | 5,543 |
| Equity capital to assets | 7.8573% | 6,660 |
| Core capital (leverage) ratio | 7.4541% | 6,644 |
| Tier 1 risk-based capital ratio | 13.7565% | 4,719 |
| Total risk-based capital ratio | 14.8465% | 4,777 |
| Memoranda: | ||
| Average total assets | $260,744,500 | 2,450 |
| Average earning assets | $247,666,250 | 2,370 |
| Average equity | $20,120,250 | 3,220 |
| Average total loans | $167,430,000 | 2,368 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3646% | 4,329 |
| Cost of funding earning assets | 1.4519% | 283 |
| Net interest margin | 2.9127% | 6,407 |
| Noninterest income to average assets | 0.3652% | 4,904 |
| Noninterest expense to average assets | 2.8077% | 3,992 |
| Loan and lease loss provision to assets | 0.3385% | 1,947 |
| Net operating income to assets | -0.1426% | 6,478 |
| Return on assets (ROA) | -0.1426% | 6,570 |
| Pretax return on assets | -0.0175% | 6,463 |
| Return on Equity (ROE) | -1.8585% | 6,610 |
| Retained earnings to average equity (ytd only) | -1.8585% | 6,340 |
| Net charge-offs to loans | 0.4545% | 2,240 |
| Credit loss provision to net charge-offs | 116.2304% | 2,367 |
| Earnings coverage of net charge-offs (x) | 1.1021% | 4,463 |
| Efficiency ratio | 89.7417% | 1,092 |
| Assets per employee ($millions) | 4.2948% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 6,454 |
| Loan loss allowance to noncurrent loans | 58.0633% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 1.0459% | 4,290 |
| Noncurrent loans to loans | 1.5501% | 3,585 |
| Net loans and leases to total assets | 63.2520% | 3,190 |
| Net loans and leases to deposits | 78.2046% | 2,637 |
| Net loans and leases to core deposits | 80.1713% | 3,191 |
| Total domestic deposits to total assets | 80.8801% | 5,508 |
| Equity capital to assets | 7.6673% | 6,728 |
| Core capital (leverage) ratio | 7.2612% | 6,738 |
| Tier 1 risk-based capital ratio | 13.2014% | 5,034 |
| Total risk-based capital ratio | 14.2504% | 5,165 |
| Memoranda: | ||
| Average total assets | $262,345,670 | 2,435 |
| Average earning assets | $248,913,670 | 2,363 |
| Average equity | $20,123,670 | 3,205 |
| Average total loans | $168,085,670 | 2,373 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 4,445 |
| Cost of funding earning assets | 1.5021% | 285 |
| Net interest margin | 2.8683% | 6,529 |
| Noninterest income to average assets | 0.3322% | 5,201 |
| Noninterest expense to average assets | 2.8218% | 3,938 |
| Loan and lease loss provision to assets | 0.4510% | 1,372 |
| Net operating income to assets | -0.3931% | 6,767 |
| Return on assets (ROA) | -0.3931% | 6,804 |
| Pretax return on assets | -0.2087% | 6,670 |
| Return on Equity (ROE) | -5.1236% | 6,854 |
| Retained earnings to average equity (ytd only) | -5.1236% | 6,587 |
| Net charge-offs to loans | 0.6551% | 1,493 |
| Credit loss provision to net charge-offs | 107.2464% | 2,170 |
| Earnings coverage of net charge-offs (x) | 0.5761% | 4,047 |
| Efficiency ratio | 92.0935% | 942 |
| Assets per employee ($millions) | 4.2815% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8742% | 6,598 |
| Loan loss allowance to noncurrent loans | 43.6716% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 1.3746% | 3,822 |
| Noncurrent loans to loans | 2.0018% | 3,161 |
| Net loans and leases to total assets | 62.4902% | 3,156 |
| Net loans and leases to deposits | 77.0614% | 2,667 |
| Net loans and leases to core deposits | 78.7834% | 3,214 |
| Total domestic deposits to total assets | 81.0914% | 5,580 |
| Equity capital to assets | 7.5353% | 6,767 |
| Core capital (leverage) ratio | 7.1271% | 6,792 |
| Tier 1 risk-based capital ratio | 13.2779% | 5,005 |
| Total risk-based capital ratio | 14.3089% | 5,133 |
| Memoranda: | ||
| Average total assets | $262,526,500 | 2,454 |
| Average earning assets | $250,042,000 | 2,365 |
| Average equity | $20,142,000 | 3,209 |
| Average total loans | $168,521,000 | 2,379 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7934% | 3,840 |
| Cost of funding earning assets | 1.7329% | 285 |
| Net interest margin | 3.0605% | 6,428 |
| Noninterest income to average assets | 0.3762% | 4,818 |
| Noninterest expense to average assets | 3.0606% | 3,352 |
| Loan and lease loss provision to assets | 0.1406% | 4,862 |
| Net operating income to assets | 0.0736% | 5,918 |
| Return on assets (ROA) | 0.0736% | 6,030 |
| Pretax return on assets | 0.0697% | 6,016 |
| Return on Equity (ROE) | 0.9391% | 5,977 |
| Retained earnings to average equity (ytd only) | 0.9391% | 5,420 |
| Net charge-offs to loans | 0.1834% | 4,678 |
| Credit loss provision to net charge-offs | 115.7051% | 2,815 |
| Earnings coverage of net charge-offs (x) | 1.7308% | 4,476 |
| Efficiency ratio | 93.5699% | 950 |
| Assets per employee ($millions) | 4.3266% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 6,644 |
| Loan loss allowance to noncurrent loans | 52.5492% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 1.1190% | 4,370 |
| Noncurrent loans to loans | 1.6182% | 3,732 |
| Net loans and leases to total assets | 64.8128% | 3,022 |
| Net loans and leases to deposits | 80.6125% | 2,414 |
| Net loans and leases to core deposits | 82.5886% | 3,090 |
| Total domestic deposits to total assets | 80.4004% | 5,623 |
| Equity capital to assets | 7.8125% | 6,681 |
| Core capital (leverage) ratio | 7.7777% | 6,463 |
| Tier 1 risk-based capital ratio | 15.1043% | 3,577 |
| Total risk-based capital ratio | 16.1932% | 3,634 |
| Memoranda: | ||
| Average total assets | $256,744,200 | 2,455 |
| Average earning assets | $242,833,400 | 2,372 |
| Average equity | $20,126,600 | 3,118 |
| Average total loans | $170,149,400 | 2,377 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 3,728 |
| Cost of funding earning assets | 1.7697% | 294 |
| Net interest margin | 3.0906% | 6,402 |
| Noninterest income to average assets | 0.3802% | 4,811 |
| Noninterest expense to average assets | 3.1006% | 3,159 |
| Loan and lease loss provision to assets | 0.1479% | 4,600 |
| Net operating income to assets | 0.0646% | 6,034 |
| Return on assets (ROA) | 0.0646% | 6,147 |
| Pretax return on assets | 0.0510% | 6,157 |
| Return on Equity (ROE) | 0.8230% | 6,102 |
| Retained earnings to average equity (ytd only) | 0.8230% | 5,683 |
| Net charge-offs to loans | 0.1746% | 4,406 |
| Credit loss provision to net charge-offs | 127.3543% | 2,515 |
| Earnings coverage of net charge-offs (x) | 1.7130% | 4,371 |
| Efficiency ratio | 93.9710% | 919 |
| Assets per employee ($millions) | 4.4437% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 6,708 |
| Loan loss allowance to noncurrent loans | 70.0768% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 0.8908% | 4,959 |
| Noncurrent loans to loans | 1.2226% | 4,504 |
| Net loans and leases to total assets | 65.5081% | 3,001 |
| Net loans and leases to deposits | 81.4985% | 2,447 |
| Net loans and leases to core deposits | 83.4266% | 3,134 |
| Total domestic deposits to total assets | 80.3795% | 5,626 |
| Equity capital to assets | 7.8530% | 6,778 |
| Core capital (leverage) ratio | 7.8094% | 6,555 |
| Tier 1 risk-based capital ratio | 14.7985% | 3,776 |
| Total risk-based capital ratio | 15.8887% | 3,854 |
| Memoranda: | ||
| Average total assets | $256,031,000 | 2,471 |
| Average earning assets | $241,845,500 | 2,389 |
| Average equity | $20,088,000 | 3,129 |
| Average total loans | $170,263,000 | 2,388 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9009% | 3,617 |
| Cost of funding earning assets | 1.7939% | 319 |
| Net interest margin | 3.1069% | 6,394 |
| Noninterest income to average assets | 0.3750% | 4,880 |
| Noninterest expense to average assets | 3.2388% | 2,773 |
| Loan and lease loss provision to assets | 0.1769% | 4,157 |
| Net operating income to assets | -0.0321% | 6,274 |
| Return on assets (ROA) | -0.0321% | 6,331 |
| Pretax return on assets | -0.1120% | 6,379 |
| Return on Equity (ROE) | -0.4092% | 6,347 |
| Retained earnings to average equity (ytd only) | -0.4092% | 5,930 |
| Net charge-offs to loans | 0.2608% | 3,585 |
| Credit loss provision to net charge-offs | 101.8018% | 3,042 |
| Earnings coverage of net charge-offs (x) | 0.3739% | 5,025 |
| Efficiency ratio | 98.0332% | 787 |
| Assets per employee ($millions) | 4.2426% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8296% | 6,816 |
| Loan loss allowance to noncurrent loans | 64.1716% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 0.9320% | 4,998 |
| Noncurrent loans to loans | 1.2928% | 4,500 |
| Net loans and leases to total assets | 64.9445% | 3,268 |
| Net loans and leases to deposits | 81.9224% | 2,467 |
| Net loans and leases to core deposits | 84.0637% | 3,202 |
| Total domestic deposits to total assets | 79.2756% | 6,018 |
| Equity capital to assets | 7.7681% | 6,825 |
| Core capital (leverage) ratio | 7.7143% | 6,573 |
| Tier 1 risk-based capital ratio | 14.7810% | 3,625 |
| Total risk-based capital ratio | 15.8536% | 3,695 |
| Memoranda: | ||
| Average total assets | $255,462,670 | 2,491 |
| Average earning assets | $240,815,000 | 2,420 |
| Average equity | $20,037,330 | 3,121 |
| Average total loans | $170,251,670 | 2,411 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9356% | 3,382 |
| Cost of funding earning assets | 1.8241% | 343 |
| Net interest margin | 3.1115% | 6,323 |
| Noninterest income to average assets | 0.3798% | 4,877 |
| Noninterest expense to average assets | 3.4816% | 2,055 |
| Loan and lease loss provision to assets | 0.2837% | 2,877 |
| Net operating income to assets | -0.2348% | 6,597 |
| Return on assets (ROA) | -0.2348% | 6,609 |
| Pretax return on assets | -0.4523% | 6,732 |
| Return on Equity (ROE) | -2.9794% | 6,669 |
| Retained earnings to average equity (ytd only) | -2.9794% | 6,294 |
| Net charge-offs to loans | 0.3798% | 2,550 |
| Credit loss provision to net charge-offs | 111.1111% | 2,408 |
| Earnings coverage of net charge-offs (x) | -0.6605% | 4,837 |
| Efficiency ratio | 105.0904% | 596 |
| Assets per employee ($millions) | 4.2379% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8349% | 6,851 |
| Loan loss allowance to noncurrent loans | 70.5007% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 5,149 |
| Noncurrent loans to loans | 1.1843% | 4,707 |
| Net loans and leases to total assets | 66.4232% | 2,895 |
| Net loans and leases to deposits | 84.2600% | 1,990 |
| Net loans and leases to core deposits | 86.5099% | 2,804 |
| Total domestic deposits to total assets | 78.8312% | 6,232 |
| Equity capital to assets | 7.8401% | 6,642 |
| Core capital (leverage) ratio | 7.8049% | 6,461 |
| Tier 1 risk-based capital ratio | 14.7688% | 3,567 |
| Total risk-based capital ratio | 15.8393% | 3,642 |
| Memoranda: | ||
| Average total assets | $253,793,500 | 2,535 |
| Average earning assets | $239,242,500 | 2,454 |
| Average equity | $20,004,000 | 3,116 |
| Average total loans | $170,636,000 | 2,427 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2807% | 3,218 |
| Cost of funding earning assets | 2.1484% | 361 |
| Net interest margin | 3.1323% | 6,434 |
| Noninterest income to average assets | 0.4027% | 4,893 |
| Noninterest expense to average assets | 3.0428% | 3,682 |
| Loan and lease loss provision to assets | 0.1354% | 5,816 |
| Net operating income to assets | 0.1536% | 5,429 |
| Return on assets (ROA) | 0.3712% | 4,821 |
| Pretax return on assets | 0.4238% | 4,873 |
| Return on Equity (ROE) | 4.6975% | 4,205 |
| Retained earnings to average equity (ytd only) | 4.6975% | 2,610 |
| Net charge-offs to loans | 0.1658% | 5,341 |
| Credit loss provision to net charge-offs | 120.5674% | 3,490 |
| Earnings coverage of net charge-offs (x) | 2.7766% | 3,685 |
| Efficiency ratio | 90.7029% | 1,266 |
| Assets per employee ($millions) | 4.0209% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8236% | 6,923 |
| Loan loss allowance to noncurrent loans | 71.7635% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 0.7923% | 5,427 |
| Noncurrent loans to loans | 1.1477% | 4,816 |
| Net loans and leases to total assets | 66.9310% | 3,238 |
| Net loans and leases to deposits | 86.3511% | 2,035 |
| Net loans and leases to core deposits | 88.4218% | 2,995 |
| Total domestic deposits to total assets | 77.5103% | 6,401 |
| Equity capital to assets | 7.9241% | 6,558 |
| Core capital (leverage) ratio | 7.8910% | 6,329 |
| Tier 1 risk-based capital ratio | 14.8329% | 3,350 |
| Total risk-based capital ratio | 15.9189% | 3,404 |
| Memoranda: | ||
| Average total assets | $251,049,000 | 2,538 |
| Average earning assets | $236,598,400 | 2,463 |
| Average equity | $19,840,200 | 3,168 |
| Average total loans | $170,052,000 | 2,473 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3331% | 3,199 |
| Cost of funding earning assets | 2.2081% | 375 |
| Net interest margin | 3.1249% | 6,548 |
| Noninterest income to average assets | 0.3950% | 5,002 |
| Noninterest expense to average assets | 3.0649% | 3,514 |
| Loan and lease loss provision to assets | 0.1102% | 5,933 |
| Net operating income to assets | 0.1605% | 5,613 |
| Return on assets (ROA) | 0.3822% | 5,014 |
| Pretax return on assets | 0.3907% | 5,247 |
| Return on Equity (ROE) | 4.8393% | 4,378 |
| Retained earnings to average equity (ytd only) | 4.8393% | 3,091 |
| Net charge-offs to loans | 0.1280% | 5,270 |
| Credit loss provision to net charge-offs | 126.9939% | 3,209 |
| Earnings coverage of net charge-offs (x) | 3.1656% | 3,557 |
| Efficiency ratio | 91.7756% | 1,146 |
| Assets per employee ($millions) | 3.9031% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 6,943 |
| Loan loss allowance to noncurrent loans | 62.3613% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 0.9199% | 5,268 |
| Noncurrent loans to loans | 1.3256% | 4,647 |
| Net loans and leases to total assets | 67.4769% | 3,336 |
| Net loans and leases to deposits | 87.5221% | 2,075 |
| Net loans and leases to core deposits | 89.7769% | 3,129 |
| Total domestic deposits to total assets | 77.0970% | 6,458 |
| Equity capital to assets | 8.0176% | 6,793 |
| Core capital (leverage) ratio | 7.9236% | 6,441 |
| Tier 1 risk-based capital ratio | 14.5998% | 3,459 |
| Total risk-based capital ratio | 15.7059% | 3,503 |
| Memoranda: | ||
| Average total assets | $250,482,250 | 2,575 |
| Average earning assets | $236,031,250 | 2,509 |
| Average equity | $19,782,000 | 3,218 |
| Average total loans | $169,826,250 | 2,516 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3799% | 3,064 |
| Cost of funding earning assets | 2.2759% | 365 |
| Net interest margin | 3.1040% | 6,600 |
| Noninterest income to average assets | 0.4021% | 4,900 |
| Noninterest expense to average assets | 3.0346% | 3,575 |
| Loan and lease loss provision to assets | 0.0989% | 5,920 |
| Net operating income to assets | 0.1970% | 5,571 |
| Return on assets (ROA) | 0.4595% | 4,668 |
| Pretax return on assets | 0.4555% | 5,048 |
| Return on Equity (ROE) | 5.8477% | 3,875 |
| Retained earnings to average equity (ytd only) | 5.8477% | 2,423 |
| Net charge-offs to loans | 0.1084% | 5,077 |
| Credit loss provision to net charge-offs | 134.7826% | 2,975 |
| Earnings coverage of net charge-offs (x) | 3.9783% | 3,103 |
| Efficiency ratio | 91.2230% | 1,244 |
| Assets per employee ($millions) | 3.9416% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 6,981 |
| Loan loss allowance to noncurrent loans | 68.6884% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.8288% | 5,467 |
| Noncurrent loans to loans | 1.1983% | 4,965 |
| Net loans and leases to total assets | 67.5932% | 3,474 |
| Net loans and leases to deposits | 88.7262% | 2,048 |
| Net loans and leases to core deposits | 90.6056% | 3,175 |
| Total domestic deposits to total assets | 76.1818% | 6,651 |
| Equity capital to assets | 8.0365% | 6,718 |
| Core capital (leverage) ratio | 7.9159% | 6,367 |
| Tier 1 risk-based capital ratio | 14.1982% | 3,605 |
| Total risk-based capital ratio | 15.2650% | 3,688 |
| Memoranda: | ||
| Average total assets | $250,709,330 | 2,595 |
| Average earning assets | $236,211,000 | 2,531 |
| Average equity | $19,700,000 | 3,215 |
| Average total loans | $169,780,670 | 2,545 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3829% | 3,124 |
| Cost of funding earning assets | 2.3383% | 381 |
| Net interest margin | 3.0447% | 6,730 |
| Noninterest income to average assets | 0.3922% | 4,979 |
| Noninterest expense to average assets | 3.0853% | 3,325 |
| Loan and lease loss provision to assets | 0.1080% | 5,545 |
| Net operating income to assets | 0.1794% | 5,759 |
| Return on assets (ROA) | 0.5224% | 4,415 |
| Pretax return on assets | 0.4097% | 5,264 |
| Return on Equity (ROE) | 6.7239% | 3,495 |
| Retained earnings to average equity (ytd only) | 6.7239% | 2,257 |
| Net charge-offs to loans | 0.1858% | 3,808 |
| Credit loss provision to net charge-offs | 86.0759% | 3,746 |
| Earnings coverage of net charge-offs (x) | 1.3924% | 3,910 |
| Efficiency ratio | 94.6420% | 1,098 |
| Assets per employee ($millions) | 3.9086% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8049% | 7,118 |
| Loan loss allowance to noncurrent loans | 72.9032% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 0.7675% | 5,614 |
| Noncurrent loans to loans | 1.1041% | 5,147 |
| Net loans and leases to total assets | 66.8022% | 3,677 |
| Net loans and leases to deposits | 87.4254% | 2,329 |
| Net loans and leases to core deposits | 89.5228% | 3,427 |
| Total domestic deposits to total assets | 76.4105% | 6,679 |
| Equity capital to assets | 7.8745% | 6,785 |
| Core capital (leverage) ratio | 7.7613% | 6,552 |
| Tier 1 risk-based capital ratio | 13.8786% | 3,743 |
| Total risk-based capital ratio | 14.9049% | 3,848 |
| Memoranda: | ||
| Average total assets | $251,905,000 | 2,635 |
| Average earning assets | $237,268,000 | 2,562 |
| Average equity | $19,572,000 | 3,256 |
| Average total loans | $170,051,500 | 2,604 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6107% | 3,549 |
| Cost of funding earning assets | 2.7295% | 544 |
| Net interest margin | 2.8812% | 6,895 |
| Noninterest income to average assets | 0.4125% | 5,106 |
| Noninterest expense to average assets | 2.8133% | 4,918 |
| Loan and lease loss provision to assets | 0.1775% | 5,921 |
| Net operating income to assets | -0.0689% | 5,620 |
| Return on assets (ROA) | -0.1428% | 5,745 |
| Pretax return on assets | 0.0343% | 5,363 |
| Return on Equity (ROE) | -1.9255% | 5,847 |
| Retained earnings to average equity (ytd only) | -1.9255% | 5,499 |
| Net charge-offs to loans | 0.2118% | 5,299 |
| Credit loss provision to net charge-offs | 129.9435% | 3,933 |
| Earnings coverage of net charge-offs (x) | 2.3955% | 3,934 |
| Efficiency ratio | 89.5797% | 1,743 |
| Assets per employee ($millions) | 3.9025% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 7,140 |
| Loan loss allowance to noncurrent loans | 80.8876% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 5,802 |
| Noncurrent loans to loans | 0.9846% | 5,348 |
| Net loans and leases to total assets | 67.1270% | 3,894 |
| Net loans and leases to deposits | 87.8893% | 2,572 |
| Net loans and leases to core deposits | 113.6182% | 2,540 |
| Total domestic deposits to total assets | 76.3767% | 6,608 |
| Equity capital to assets | 7.6661% | 6,887 |
| Core capital (leverage) ratio | 7.5261% | 6,762 |
| Tier 1 risk-based capital ratio | 13.2879% | 3,954 |
| Total risk-based capital ratio | 14.2959% | 4,061 |
| Memoranda: | ||
| Average total assets | $259,122,000 | 2,521 |
| Average earning assets | $245,351,800 | 2,449 |
| Average equity | $19,215,600 | 3,310 |
| Average total loans | $167,156,600 | 2,660 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6147% | 3,778 |
| Cost of funding earning assets | 2.8017% | 593 |
| Net interest margin | 2.8130% | 7,033 |
| Noninterest income to average assets | 0.4095% | 5,217 |
| Noninterest expense to average assets | 2.7742% | 5,005 |
| Loan and lease loss provision to assets | 0.2134% | 5,275 |
| Net operating income to assets | -0.1582% | 5,998 |
| Return on assets (ROA) | -0.3911% | 6,304 |
| Pretax return on assets | -0.1443% | 5,904 |
| Return on Equity (ROE) | -5.3170% | 6,483 |
| Retained earnings to average equity (ytd only) | -5.3170% | 6,292 |
| Net charge-offs to loans | 0.2513% | 4,478 |
| Credit loss provision to net charge-offs | 133.2268% | 3,748 |
| Earnings coverage of net charge-offs (x) | 1.8850% | 4,398 |
| Efficiency ratio | 90.1830% | 1,674 |
| Assets per employee ($millions) | 3.9702% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7972% | 7,130 |
| Loan loss allowance to noncurrent loans | 80.8373% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.7340% | 5,664 |
| Noncurrent loans to loans | 0.9861% | 5,334 |
| Net loans and leases to total assets | 67.1459% | 4,149 |
| Net loans and leases to deposits | 88.8971% | 2,807 |
| Net loans and leases to core deposits | 115.4694% | 2,676 |
| Total domestic deposits to total assets | 75.5322% | 6,672 |
| Equity capital to assets | 7.5732% | 7,246 |
| Core capital (leverage) ratio | 7.3621% | 7,119 |
| Tier 1 risk-based capital ratio | 13.0498% | 4,155 |
| Total risk-based capital ratio | 14.0756% | 4,246 |
| Memoranda: | ||
| Average total assets | $260,487,250 | 2,525 |
| Average earning assets | $246,942,000 | 2,452 |
| Average equity | $19,158,000 | 3,356 |
| Average total loans | $166,035,250 | 2,698 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5888% | 4,131 |
| Cost of funding earning assets | 2.8880% | 629 |
| Net interest margin | 2.7008% | 7,194 |
| Noninterest income to average assets | 0.3952% | 5,332 |
| Noninterest expense to average assets | 2.7500% | 5,178 |
| Loan and lease loss provision to assets | 0.1980% | 5,073 |
| Net operating income to assets | -0.3107% | 6,333 |
| Return on assets (ROA) | -0.6587% | 6,721 |
| Pretax return on assets | -0.3397% | 6,270 |
| Return on Equity (ROE) | -9.0435% | 6,967 |
| Retained earnings to average equity (ytd only) | -9.0435% | 6,773 |
| Net charge-offs to loans | 0.2231% | 4,106 |
| Credit loss provision to net charge-offs | 142.0765% | 3,275 |
| Earnings coverage of net charge-offs (x) | 1.4809% | 4,424 |
| Efficiency ratio | 93.0191% | 1,566 |
| Assets per employee ($millions) | 3.9692% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7989% | 7,158 |
| Loan loss allowance to noncurrent loans | 110.4184% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 6,259 |
| Noncurrent loans to loans | 0.7235% | 5,791 |
| Net loans and leases to total assets | 64.7798% | 4,817 |
| Net loans and leases to deposits | 85.2839% | 3,682 |
| Net loans and leases to core deposits | 111.6798% | 3,182 |
| Total domestic deposits to total assets | 75.9579% | 6,557 |
| Equity capital to assets | 7.3245% | 7,399 |
| Core capital (leverage) ratio | 7.2037% | 7,354 |
| Tier 1 risk-based capital ratio | 13.0521% | 4,105 |
| Total risk-based capital ratio | 14.0085% | 4,229 |
| Memoranda: | ||
| Average total assets | $262,618,670 | 2,509 |
| Average earning assets | $249,033,000 | 2,447 |
| Average equity | $19,129,670 | 3,372 |
| Average total loans | $164,052,330 | 2,755 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5816% | 4,461 |
| Cost of funding earning assets | 2.9214% | 732 |
| Net interest margin | 2.6602% | 7,278 |
| Noninterest income to average assets | 0.3669% | 5,495 |
| Noninterest expense to average assets | 2.7222% | 4,909 |
| Loan and lease loss provision to assets | 0.3231% | 3,387 |
| Net operating income to assets | -0.7262% | 7,078 |
| Return on assets (ROA) | -1.4132% | 7,477 |
| Pretax return on assets | -0.8440% | 7,062 |
| Return on Equity (ROE) | -19.4534% | 7,738 |
| Retained earnings to average equity (ytd only) | -19.4534% | 7,627 |
| Net charge-offs to loans | 0.4350% | 2,371 |
| Credit loss provision to net charge-offs | 121.5909% | 3,241 |
| Earnings coverage of net charge-offs (x) | 0.6250% | 4,490 |
| Efficiency ratio | 94.2499% | 1,417 |
| Assets per employee ($millions) | 4.0917% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8031% | 7,147 |
| Loan loss allowance to noncurrent loans | 100.2283% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 5,987 |
| Noncurrent loans to loans | 0.8013% | 5,433 |
| Net loans and leases to total assets | 61.1656% | 5,473 |
| Net loans and leases to deposits | 79.8433% | 4,640 |
| Net loans and leases to core deposits | 107.9240% | 3,693 |
| Total domestic deposits to total assets | 76.6070% | 6,380 |
| Equity capital to assets | 7.0834% | 7,636 |
| Core capital (leverage) ratio | 6.9634% | 7,656 |
| Tier 1 risk-based capital ratio | 12.8958% | 4,254 |
| Total risk-based capital ratio | 13.8141% | 4,427 |
| Memoranda: | ||
| Average total assets | $264,929,500 | 2,508 |
| Average earning assets | $251,109,000 | 2,434 |
| Average equity | $19,246,000 | 3,381 |
| Average total loans | $161,840,500 | 2,815 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7173% | 6,721 |
| Cost of funding earning assets | 3.3061% | 909 |
| Net interest margin | 2.4112% | 7,836 |
| Noninterest income to average assets | 0.3673% | 5,766 |
| Noninterest expense to average assets | 2.7832% | 4,895 |
| Loan and lease loss provision to assets | 1.7390% | 739 |
| Net operating income to assets | -1.3753% | 7,418 |
| Return on assets (ROA) | -1.4704% | 7,397 |
| Pretax return on assets | -2.0076% | 7,439 |
| Return on Equity (ROE) | -18.3878% | 7,725 |
| Retained earnings to average equity (ytd only) | -18.3878% | 7,635 |
| Net charge-offs to loans | -0.0020% | 7,742 |
| Credit loss provision to net charge-offs | -154,500.0000% | 7,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2348% | 830 |
| Assets per employee ($millions) | 4.0600% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7997% | 7,113 |
| Loan loss allowance to noncurrent loans | 108.3121% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 5,876 |
| Noncurrent loans to loans | 0.7383% | 5,183 |
| Net loans and leases to total assets | 60.0271% | 5,903 |
| Net loans and leases to deposits | 78.2002% | 5,311 |
| Net loans and leases to core deposits | 107.6330% | 4,008 |
| Total domestic deposits to total assets | 76.7608% | 6,047 |
| Equity capital to assets | 7.4472% | 7,428 |
| Core capital (leverage) ratio | 7.3573% | 7,352 |
| Tier 1 risk-based capital ratio | 13.7659% | 3,664 |
| Total risk-based capital ratio | 14.6722% | 3,768 |
| Memoranda: | ||
| Average total assets | $266,530,800 | 2,406 |
| Average earning assets | $251,746,200 | 2,357 |
| Average equity | $21,313,000 | 3,063 |
| Average total loans | $153,781,200 | 2,861 |