Home > Phoenixville Federal Bank and Trust > Performance and Condition Ratios
Phoenixville Federal Bank and Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2643% | 3,495 |
| Cost of funding earning assets | 1.0802% | 3,113 |
| Net interest margin | 3.1841% | 2,917 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.5409% | 2,189 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.6850% | 3,231 |
| Return on assets (ROA) | 0.6850% | 3,208 |
| Pretax return on assets | 0.9113% | 2,932 |
| Return on Equity (ROE) | 6.8100% | 3,323 |
| Retained earnings to average equity (ytd only) | 6.8145% | 1,952 |
| Net charge-offs to loans | -0.0012% | 3,626 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.7564% | 1,580 |
| Assets per employee ($millions) | 7.6793% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 2,711 |
| Loan loss allowance to noncurrent loans | 151.9566% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 973 |
| Noncurrent loans to loans | 0.7381% | 1,058 |
| Net loans and leases to total assets | 76.7100% | 1,016 |
| Net loans and leases to deposits | 95.2553% | 844 |
| Net loans and leases to core deposits | 98.7277% | 1,508 |
| Total domestic deposits to total assets | 80.5400% | 3,373 |
| Equity capital to assets | 9.8635% | 2,086 |
| Core capital (leverage) ratio | 10.9093% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $626,005,800 | 1,424 |
| Average earning assets | $586,851,200 | 1,401 |
| Average equity | $62,925,000 | 1,345 |
| Average total loans | $488,996,000 | 1,252 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1947% | 3,477 |
| Cost of funding earning assets | 0.9287% | 3,205 |
| Net interest margin | 3.2660% | 2,762 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.5882% | 1,982 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.7256% | 3,242 |
| Return on assets (ROA) | 0.7256% | 3,229 |
| Pretax return on assets | 0.9664% | 2,943 |
| Return on Equity (ROE) | 7.1800% | 3,385 |
| Retained earnings to average equity (ytd only) | 7.1826% | 2,227 |
| Net charge-offs to loans | -0.0014% | 3,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.2772% | 1,537 |
| Assets per employee ($millions) | 6.8487% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 2,767 |
| Loan loss allowance to noncurrent loans | 152.7302% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.5718% | 1,025 |
| Noncurrent loans to loans | 0.7326% | 1,129 |
| Net loans and leases to total assets | 77.1800% | 972 |
| Net loans and leases to deposits | 96.2306% | 738 |
| Net loans and leases to core deposits | 99.5622% | 1,339 |
| Total domestic deposits to total assets | 80.2000% | 3,500 |
| Equity capital to assets | 9.7070% | 1,988 |
| Core capital (leverage) ratio | 11.1499% | 1,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $617,401,500 | 1,441 |
| Average earning assets | $579,164,000 | 1,417 |
| Average equity | $62,371,000 | 1,347 |
| Average total loans | $483,148,500 | 1,263 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1662% | 3,364 |
| Cost of funding earning assets | 0.7915% | 3,230 |
| Net interest margin | 3.3747% | 2,587 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.6220% | 1,867 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8035% | 3,068 |
| Return on assets (ROA) | 0.8035% | 3,076 |
| Pretax return on assets | 1.0720% | 2,716 |
| Return on Equity (ROE) | 7.8500% | 3,275 |
| Retained earnings to average equity (ytd only) | 7.8453% | 2,018 |
| Net charge-offs to loans | -0.0004% | 3,386 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.9812% | 1,673 |
| Assets per employee ($millions) | 6.9295% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 2,844 |
| Loan loss allowance to noncurrent loans | 230.6363% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 1,380 |
| Noncurrent loans to loans | 0.4858% | 1,501 |
| Net loans and leases to total assets | 78.3100% | 802 |
| Net loans and leases to deposits | 93.2165% | 933 |
| Net loans and leases to core deposits | 96.2018% | 1,455 |
| Total domestic deposits to total assets | 84.0100% | 2,811 |
| Equity capital to assets | 10.1849% | 1,757 |
| Core capital (leverage) ratio | 11.1459% | 1,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $608,608,667 | 1,457 |
| Average earning assets | $571,074,333 | 1,437 |
| Average equity | $62,330,667 | 1,348 |
| Average total loans | $476,705,667 | 1,262 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0767% | 3,298 |
| Cost of funding earning assets | 0.6665% | 3,169 |
| Net interest margin | 3.4102% | 2,604 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.6400% | 1,838 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 0.8284% | 3,099 |
| Return on assets (ROA) | 0.8284% | 3,057 |
| Pretax return on assets | 1.1043% | 2,693 |
| Return on Equity (ROE) | 8.0700% | 3,274 |
| Retained earnings to average equity (ytd only) | 8.0658% | 2,201 |
| Net charge-offs to loans | -0.0008% | 3,302 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.7071% | 1,676 |
| Assets per employee ($millions) | 6.4555% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 3,770 |
| Loan loss allowance to noncurrent loans | 175.9650% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 1,246 |
| Noncurrent loans to loans | 0.5290% | 1,398 |
| Net loans and leases to total assets | 77.5500% | 814 |
| Net loans and leases to deposits | 90.2538% | 1,029 |
| Net loans and leases to core deposits | 93.3027% | 1,436 |
| Total domestic deposits to total assets | 85.9200% | 2,619 |
| Equity capital to assets | 10.4156% | 1,605 |
| Core capital (leverage) ratio | 11.3374% | 1,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $604,550,500 | 1,488 |
| Average earning assets | $567,124,000 | 1,470 |
| Average equity | $62,089,500 | 1,362 |
| Average total loans | $470,833,000 | 1,284 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4078% | 3,325 |
| Cost of funding earning assets | 0.2955% | 2,918 |
| Net interest margin | 3.1123% | 3,143 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.4462% | 2,281 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7907% | 3,358 |
| Return on assets (ROA) | 0.7907% | 3,290 |
| Pretax return on assets | 1.0552% | 2,901 |
| Return on Equity (ROE) | 7.6900% | 3,465 |
| Retained earnings to average equity (ytd only) | 7.6893% | 1,959 |
| Net charge-offs to loans | -0.0002% | 3,278 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.9586% | 1,686 |
| Assets per employee ($millions) | 6.7672% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 3,598 |
| Loan loss allowance to noncurrent loans | 186.9785% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 1,294 |
| Noncurrent loans to loans | 0.5085% | 1,432 |
| Net loans and leases to total assets | 76.7400% | 927 |
| Net loans and leases to deposits | 88.2574% | 1,154 |
| Net loans and leases to core deposits | 90.8312% | 1,462 |
| Total domestic deposits to total assets | 86.9600% | 2,400 |
| Equity capital to assets | 10.1240% | 1,648 |
| Core capital (leverage) ratio | 11.2719% | 1,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $593,370,200 | 1,503 |
| Average earning assets | $559,808,800 | 1,476 |
| Average equity | $61,019,600 | 1,383 |
| Average total loans | $423,297,400 | 1,330 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2247% | 3,371 |
| Cost of funding earning assets | 0.2683% | 2,504 |
| Net interest margin | 2.9564% | 3,338 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.4282% | 2,234 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6893% | 3,594 |
| Return on assets (ROA) | 0.6893% | 3,554 |
| Pretax return on assets | 0.9150% | 3,272 |
| Return on Equity (ROE) | 6.6800% | 3,656 |
| Retained earnings to average equity (ytd only) | 6.6762% | 2,486 |
| Net charge-offs to loans | -0.0003% | 3,120 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.5667% | 1,437 |
| Assets per employee ($millions) | 6.3839% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 3,420 |
| Loan loss allowance to noncurrent loans | 125.5045% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 877 |
| Noncurrent loans to loans | 0.8050% | 994 |
| Net loans and leases to total assets | 74.7100% | 1,039 |
| Net loans and leases to deposits | 83.5210% | 1,338 |
| Net loans and leases to core deposits | 85.1524% | 1,573 |
| Total domestic deposits to total assets | 89.4500% | 1,895 |
| Equity capital to assets | 10.1284% | 1,553 |
| Core capital (leverage) ratio | 11.1956% | 1,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $591,142,750 | 1,510 |
| Average earning assets | $558,556,750 | 1,489 |
| Average equity | $61,030,750 | 1,407 |
| Average total loans | $412,457,750 | 1,347 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0738% | 3,366 |
| Cost of funding earning assets | 0.2741% | 1,967 |
| Net interest margin | 2.7997% | 3,449 |
| Noninterest income to average assets | 0.5631% | 1,890 |
| Noninterest expense to average assets | 2.4361% | 2,127 |
| Loan and lease loss provision to assets | -0.0074% | 4,391 |
| Net operating income to assets | 0.5949% | 3,641 |
| Return on assets (ROA) | 0.5949% | 3,586 |
| Pretax return on assets | 0.7859% | 3,365 |
| Return on Equity (ROE) | 5.7258% | 3,645 |
| Retained earnings to average equity (ytd only) | 5.7258% | 2,425 |
| Net charge-offs to loans | -0.0005% | 2,985 |
| Credit loss provision to net charge-offs | 2,200.0000% | 229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7824% | 1,310 |
| Assets per employee ($millions) | 6.4364% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 3,385 |
| Loan loss allowance to noncurrent loans | 124.2450% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 923 |
| Noncurrent loans to loans | 0.8439% | 1,014 |
| Net loans and leases to total assets | 70.8114% | 1,220 |
| Net loans and leases to deposits | 79.1376% | 1,455 |
| Net loans and leases to core deposits | 81.1249% | 1,649 |
| Total domestic deposits to total assets | 89.4788% | 1,957 |
| Equity capital to assets | 10.1247% | 1,641 |
| Core capital (leverage) ratio | 10.8402% | 1,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $592,416,667 | 1,517 |
| Average earning assets | $561,067,667 | 1,494 |
| Average equity | $61,545,667 | 1,412 |
| Average total loans | $402,193,000 | 1,370 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9288% | 3,460 |
| Cost of funding earning assets | 0.2859% | 1,770 |
| Net interest margin | 2.6429% | 3,550 |
| Noninterest income to average assets | 0.5427% | 1,938 |
| Noninterest expense to average assets | 2.4632% | 1,974 |
| Loan and lease loss provision to assets | -0.0088% | 4,418 |
| Net operating income to assets | 0.4563% | 3,828 |
| Return on assets (ROA) | 0.4563% | 3,793 |
| Pretax return on assets | 0.5967% | 3,644 |
| Return on Equity (ROE) | 4.3374% | 3,797 |
| Retained earnings to average equity (ytd only) | 4.3374% | 2,827 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7301% | 1,090 |
| Assets per employee ($millions) | 6.7722% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 3,276 |
| Loan loss allowance to noncurrent loans | 123.9421% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 982 |
| Noncurrent loans to loans | 0.8971% | 1,034 |
| Net loans and leases to total assets | 66.4395% | 1,369 |
| Net loans and leases to deposits | 74.3015% | 1,576 |
| Net loans and leases to core deposits | 76.2137% | 1,769 |
| Total domestic deposits to total assets | 89.4188% | 1,859 |
| Equity capital to assets | 10.2722% | 1,705 |
| Core capital (leverage) ratio | 10.7984% | 1,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $592,552,500 | 1,517 |
| Average earning assets | $562,417,500 | 1,495 |
| Average equity | $62,342,000 | 1,441 |
| Average total loans | $391,415,000 | 1,392 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1910% | 3,488 |
| Cost of funding earning assets | 0.3803% | 1,682 |
| Net interest margin | 2.8106% | 3,639 |
| Noninterest income to average assets | 0.5557% | 2,338 |
| Noninterest expense to average assets | 2.3931% | 2,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6220% | 3,828 |
| Return on assets (ROA) | 0.6220% | 3,869 |
| Pretax return on assets | 0.8233% | 3,678 |
| Return on Equity (ROE) | 5.6813% | 3,847 |
| Retained earnings to average equity (ytd only) | 5.6813% | 2,489 |
| Net charge-offs to loans | -0.0158% | 3,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4033% | 1,262 |
| Assets per employee ($millions) | 6.6197% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 3,035 |
| Loan loss allowance to noncurrent loans | 126.3515% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.5997% | 1,096 |
| Noncurrent loans to loans | 0.9238% | 1,096 |
| Net loans and leases to total assets | 64.1542% | 1,682 |
| Net loans and leases to deposits | 72.2505% | 1,888 |
| Net loans and leases to core deposits | 74.2183% | 2,061 |
| Total domestic deposits to total assets | 88.7941% | 1,618 |
| Equity capital to assets | 10.7726% | 1,956 |
| Core capital (leverage) ratio | 10.8115% | 1,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $567,969,400 | 1,520 |
| Average earning assets | $537,669,600 | 1,501 |
| Average equity | $62,186,600 | 1,471 |
| Average total loans | $391,204,600 | 1,406 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2706% | 3,462 |
| Cost of funding earning assets | 0.3994% | 1,699 |
| Net interest margin | 2.8712% | 3,615 |
| Noninterest income to average assets | 0.5438% | 2,439 |
| Noninterest expense to average assets | 2.3793% | 2,505 |
| Loan and lease loss provision to assets | 0.0057% | 2,862 |
| Net operating income to assets | 0.6597% | 3,872 |
| Return on assets (ROA) | 0.6597% | 3,926 |
| Pretax return on assets | 0.8744% | 3,751 |
| Return on Equity (ROE) | 5.9999% | 3,915 |
| Retained earnings to average equity (ytd only) | 5.9999% | 2,821 |
| Net charge-offs to loans | -0.0234% | 4,031 |
| Credit loss provision to net charge-offs | -34.7826% | 3,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9989% | 1,305 |
| Assets per employee ($millions) | 7.1520% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 3,295 |
| Loan loss allowance to noncurrent loans | 505.0562% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 3,091 |
| Noncurrent loans to loans | 0.2235% | 3,056 |
| Net loans and leases to total assets | 67.9584% | 1,329 |
| Net loans and leases to deposits | 76.6252% | 1,607 |
| Net loans and leases to core deposits | 78.7964% | 1,834 |
| Total domestic deposits to total assets | 88.6893% | 1,466 |
| Equity capital to assets | 10.9220% | 2,071 |
| Core capital (leverage) ratio | 10.9033% | 1,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $562,673,250 | 1,548 |
| Average earning assets | $532,159,750 | 1,528 |
| Average equity | $61,866,500 | 1,496 |
| Average total loans | $393,398,000 | 1,426 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2473% | 3,567 |
| Cost of funding earning assets | 0.4212% | 1,728 |
| Net interest margin | 2.8260% | 3,731 |
| Noninterest income to average assets | 0.5457% | 2,424 |
| Noninterest expense to average assets | 2.3844% | 2,519 |
| Loan and lease loss provision to assets | 0.0075% | 2,763 |
| Net operating income to assets | 0.6261% | 3,926 |
| Return on assets (ROA) | 0.6261% | 3,985 |
| Pretax return on assets | 0.8246% | 3,812 |
| Return on Equity (ROE) | 5.6810% | 3,981 |
| Retained earnings to average equity (ytd only) | 5.6810% | 2,928 |
| Net charge-offs to loans | 0.0066% | 1,895 |
| Credit loss provision to net charge-offs | 161.5385% | 1,134 |
| Earnings coverage of net charge-offs (x) | 178.3077% | 533 |
| Efficiency ratio | 74.1295% | 1,236 |
| Assets per employee ($millions) | 6.7197% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 3,347 |
| Loan loss allowance to noncurrent loans | 152.2264% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 1,645 |
| Noncurrent loans to loans | 0.7327% | 1,623 |
| Net loans and leases to total assets | 68.4530% | 1,391 |
| Net loans and leases to deposits | 77.1149% | 1,715 |
| Net loans and leases to core deposits | 79.6175% | 1,916 |
| Total domestic deposits to total assets | 88.7676% | 1,406 |
| Equity capital to assets | 10.8854% | 2,083 |
| Core capital (leverage) ratio | 10.8464% | 1,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $557,128,000 | 1,554 |
| Average earning assets | $526,532,333 | 1,534 |
| Average equity | $61,398,000 | 1,496 |
| Average total loans | $391,802,667 | 1,436 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2529% | 3,565 |
| Cost of funding earning assets | 0.4486% | 1,732 |
| Net interest margin | 2.8043% | 3,756 |
| Noninterest income to average assets | 0.5461% | 2,418 |
| Noninterest expense to average assets | 2.4163% | 2,449 |
| Loan and lease loss provision to assets | 0.0029% | 2,709 |
| Net operating income to assets | 0.5897% | 3,967 |
| Return on assets (ROA) | 0.5897% | 4,030 |
| Pretax return on assets | 0.7722% | 3,860 |
| Return on Equity (ROE) | 5.3172% | 4,023 |
| Retained earnings to average equity (ytd only) | 5.3172% | 3,120 |
| Net charge-offs to loans | 0.0174% | 1,401 |
| Credit loss provision to net charge-offs | 23.5294% | 1,406 |
| Earnings coverage of net charge-offs (x) | 62.7059% | 804 |
| Efficiency ratio | 75.7120% | 1,162 |
| Assets per employee ($millions) | 6.5482% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 3,300 |
| Loan loss allowance to noncurrent loans | 143.2441% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 1,743 |
| Noncurrent loans to loans | 0.7873% | 1,675 |
| Net loans and leases to total assets | 68.3289% | 1,487 |
| Net loans and leases to deposits | 76.9793% | 1,802 |
| Net loans and leases to core deposits | 79.5721% | 2,044 |
| Total domestic deposits to total assets | 88.7628% | 1,462 |
| Equity capital to assets | 10.8928% | 1,942 |
| Core capital (leverage) ratio | 11.1559% | 1,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $550,103,500 | 1,563 |
| Average earning assets | $518,914,500 | 1,539 |
| Average equity | $61,009,500 | 1,498 |
| Average total loans | $390,005,000 | 1,450 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6645% | 3,665 |
| Cost of funding earning assets | 0.6238% | 2,159 |
| Net interest margin | 3.0408% | 3,787 |
| Noninterest income to average assets | 0.5415% | 2,461 |
| Noninterest expense to average assets | 2.5302% | 2,753 |
| Loan and lease loss provision to assets | 0.2130% | 1,842 |
| Net operating income to assets | 0.5009% | 4,030 |
| Return on assets (ROA) | 0.5009% | 4,116 |
| Pretax return on assets | 0.6557% | 3,974 |
| Return on Equity (ROE) | 4.2498% | 4,101 |
| Retained earnings to average equity (ytd only) | 4.2498% | 2,685 |
| Net charge-offs to loans | 0.0016% | 3,362 |
| Credit loss provision to net charge-offs | 17,866.6667% | 52 |
| Earnings coverage of net charge-offs (x) | 728.6667% | 162 |
| Efficiency ratio | 74.4402% | 1,392 |
| Assets per employee ($millions) | 5.0666% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 3,326 |
| Loan loss allowance to noncurrent loans | 139.9682% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5856% | 1,801 |
| Noncurrent loans to loans | 0.8047% | 1,738 |
| Net loans and leases to total assets | 71.9522% | 1,287 |
| Net loans and leases to deposits | 81.5946% | 1,696 |
| Net loans and leases to core deposits | 84.1893% | 2,021 |
| Total domestic deposits to total assets | 88.1826% | 1,384 |
| Equity capital to assets | 11.2980% | 2,021 |
| Core capital (leverage) ratio | 11.3380% | 1,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $503,248,200 | 1,542 |
| Average earning assets | $472,909,400 | 1,526 |
| Average equity | $59,320,000 | 1,458 |
| Average total loans | $385,065,800 | 1,410 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7345% | 3,713 |
| Cost of funding earning assets | 0.6548% | 2,301 |
| Net interest margin | 3.0797% | 3,788 |
| Noninterest income to average assets | 0.5408% | 2,421 |
| Noninterest expense to average assets | 2.5869% | 2,570 |
| Loan and lease loss provision to assets | 0.2860% | 1,412 |
| Net operating income to assets | 0.4317% | 4,199 |
| Return on assets (ROA) | 0.4317% | 4,265 |
| Pretax return on assets | 0.5589% | 4,177 |
| Return on Equity (ROE) | 3.6214% | 4,263 |
| Retained earnings to average equity (ytd only) | 3.6214% | 3,241 |
| Net charge-offs to loans | 0.0035% | 3,048 |
| Credit loss provision to net charge-offs | 10,610.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 313.5000% | 344 |
| Efficiency ratio | 75.3828% | 1,262 |
| Assets per employee ($millions) | 5.7918% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 3,185 |
| Loan loss allowance to noncurrent loans | 120.3181% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.6996% | 1,668 |
| Noncurrent loans to loans | 0.9178% | 1,624 |
| Net loans and leases to total assets | 75.3909% | 1,178 |
| Net loans and leases to deposits | 85.9466% | 1,714 |
| Net loans and leases to core deposits | 88.7291% | 2,081 |
| Total domestic deposits to total assets | 87.7183% | 1,334 |
| Equity capital to assets | 11.4768% | 2,024 |
| Core capital (leverage) ratio | 11.3614% | 1,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $494,794,750 | 1,545 |
| Average earning assets | $464,454,750 | 1,527 |
| Average equity | $58,980,750 | 1,456 |
| Average total loans | $383,624,750 | 1,404 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8127% | 3,829 |
| Cost of funding earning assets | 0.6827% | 2,488 |
| Net interest margin | 3.1300% | 3,841 |
| Noninterest income to average assets | 0.5461% | 2,368 |
| Noninterest expense to average assets | 2.6532% | 2,511 |
| Loan and lease loss provision to assets | 0.0630% | 3,506 |
| Net operating income to assets | 0.5799% | 3,802 |
| Return on assets (ROA) | 0.5799% | 3,882 |
| Pretax return on assets | 0.7638% | 3,696 |
| Return on Equity (ROE) | 4.8007% | 3,886 |
| Retained earnings to average equity (ytd only) | 4.8007% | 2,565 |
| Net charge-offs to loans | 0.0069% | 2,713 |
| Credit loss provision to net charge-offs | 1,176.9231% | 710 |
| Earnings coverage of net charge-offs (x) | 154.5385% | 524 |
| Efficiency ratio | 76.2417% | 1,241 |
| Assets per employee ($millions) | 6.4146% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8817% | 4,072 |
| Loan loss allowance to noncurrent loans | 380.3063% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 3,654 |
| Noncurrent loans to loans | 0.2318% | 3,545 |
| Net loans and leases to total assets | 75.2074% | 1,245 |
| Net loans and leases to deposits | 85.3936% | 1,837 |
| Net loans and leases to core deposits | 88.2640% | 2,217 |
| Total domestic deposits to total assets | 88.0715% | 1,137 |
| Equity capital to assets | 11.4861% | 1,983 |
| Core capital (leverage) ratio | 11.6586% | 1,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $485,972,333 | 1,541 |
| Average earning assets | $455,527,667 | 1,522 |
| Average equity | $58,699,667 | 1,450 |
| Average total loans | $379,042,333 | 1,399 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9961% | 3,797 |
| Cost of funding earning assets | 0.7116% | 2,882 |
| Net interest margin | 3.2845% | 3,629 |
| Noninterest income to average assets | 0.5942% | 2,064 |
| Noninterest expense to average assets | 2.8092% | 2,408 |
| Loan and lease loss provision to assets | 0.0853% | 2,624 |
| Net operating income to assets | 0.5823% | 3,652 |
| Return on assets (ROA) | 0.5823% | 3,713 |
| Pretax return on assets | 0.7690% | 3,492 |
| Return on Equity (ROE) | 4.6934% | 3,745 |
| Retained earnings to average equity (ytd only) | 4.6934% | 2,420 |
| Net charge-offs to loans | 0.0172% | 2,029 |
| Credit loss provision to net charge-offs | 625.0000% | 771 |
| Earnings coverage of net charge-offs (x) | 62.6250% | 786 |
| Efficiency ratio | 76.6814% | 1,488 |
| Assets per employee ($millions) | 5.8634% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 4,066 |
| Loan loss allowance to noncurrent loans | 380.1111% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 3,738 |
| Noncurrent loans to loans | 0.2402% | 3,625 |
| Net loans and leases to total assets | 78.1604% | 954 |
| Net loans and leases to deposits | 89.6245% | 1,554 |
| Net loans and leases to core deposits | 92.5829% | 2,107 |
| Total domestic deposits to total assets | 87.2088% | 1,464 |
| Equity capital to assets | 12.3791% | 1,807 |
| Core capital (leverage) ratio | 12.4407% | 1,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $469,165,500 | 1,537 |
| Average earning assets | $438,426,500 | 1,527 |
| Average equity | $58,209,500 | 1,452 |
| Average total loans | $371,442,000 | 1,381 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 3,986 |
| Cost of funding earning assets | 0.6786% | 3,268 |
| Net interest margin | 3.4483% | 3,595 |
| Noninterest income to average assets | 0.6265% | 2,106 |
| Noninterest expense to average assets | 2.7795% | 2,668 |
| Loan and lease loss provision to assets | 0.0121% | 3,773 |
| Net operating income to assets | 0.7927% | 3,577 |
| Return on assets (ROA) | 0.7927% | 3,656 |
| Pretax return on assets | 1.0487% | 3,338 |
| Return on Equity (ROE) | 6.4898% | 3,743 |
| Retained earnings to average equity (ytd only) | 6.4898% | 1,612 |
| Net charge-offs to loans | 0.0083% | 3,383 |
| Credit loss provision to net charge-offs | 189.6552% | 1,391 |
| Earnings coverage of net charge-offs (x) | 166.3448% | 454 |
| Efficiency ratio | 72.3775% | 1,815 |
| Assets per employee ($millions) | 5.5831% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 3,934 |
| Loan loss allowance to noncurrent loans | 370.2553% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 3,683 |
| Noncurrent loans to loans | 0.2447% | 3,569 |
| Net loans and leases to total assets | 78.7482% | 970 |
| Net loans and leases to deposits | 90.5027% | 1,533 |
| Net loans and leases to core deposits | 93.3540% | 2,124 |
| Total domestic deposits to total assets | 87.0119% | 1,603 |
| Equity capital to assets | 12.4356% | 1,863 |
| Core capital (leverage) ratio | 12.4530% | 1,514 |
| Tier 1 risk-based capital ratio | 17.1911% | 1,999 |
| Total risk-based capital ratio | 18.2298% | 2,007 |
| Memoranda: | ||
| Average total assets | $454,760,000 | 1,536 |
| Average earning assets | $423,828,200 | 1,531 |
| Average equity | $55,548,600 | 1,458 |
| Average total loans | $349,262,800 | 1,424 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1360% | 4,073 |
| Cost of funding earning assets | 0.6653% | 3,369 |
| Net interest margin | 3.4707% | 3,660 |
| Noninterest income to average assets | 0.6013% | 2,198 |
| Noninterest expense to average assets | 2.7694% | 2,653 |
| Loan and lease loss provision to assets | 0.0006% | 3,833 |
| Net operating income to assets | 0.8027% | 3,664 |
| Return on assets (ROA) | 0.8027% | 3,739 |
| Pretax return on assets | 1.0632% | 3,399 |
| Return on Equity (ROE) | 6.6024% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.6024% | 2,058 |
| Net charge-offs to loans | 0.0074% | 3,115 |
| Credit loss provision to net charge-offs | 10.5263% | 3,004 |
| Earnings coverage of net charge-offs (x) | 190.0730% | 457 |
| Efficiency ratio | 72.2487% | 1,796 |
| Assets per employee ($millions) | 5.6360% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 3,917 |
| Loan loss allowance to noncurrent loans | 205.8125% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 3,103 |
| Noncurrent loans to loans | 0.4528% | 2,950 |
| Net loans and leases to total assets | 76.6812% | 1,362 |
| Net loans and leases to deposits | 88.0554% | 1,923 |
| Net loans and leases to core deposits | 91.0236% | 2,462 |
| Total domestic deposits to total assets | 87.0829% | 1,476 |
| Equity capital to assets | 12.4384% | 1,957 |
| Core capital (leverage) ratio | 12.3928% | 1,630 |
| Tier 1 risk-based capital ratio | 17.3686% | 1,975 |
| Total risk-based capital ratio | 18.4188% | 1,988 |
| Memoranda: | ||
| Average total assets | $452,601,250 | 1,553 |
| Average earning assets | $421,462,000 | 1,548 |
| Average equity | $55,029,250 | 1,471 |
| Average total loans | $344,515,750 | 1,453 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1286% | 4,093 |
| Cost of funding earning assets | 0.6422% | 3,452 |
| Net interest margin | 3.4864% | 3,641 |
| Noninterest income to average assets | 0.5938% | 2,181 |
| Noninterest expense to average assets | 2.7818% | 2,654 |
| Loan and lease loss provision to assets | -0.0009% | 5,081 |
| Net operating income to assets | 0.7990% | 3,657 |
| Return on assets (ROA) | 0.7990% | 3,718 |
| Pretax return on assets | 1.0583% | 3,357 |
| Return on Equity (ROE) | 6.6233% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.6233% | 1,992 |
| Net charge-offs to loans | -0.0018% | 3,935 |
| Credit loss provision to net charge-offs | 66.6667% | 2,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4576% | 1,853 |
| Assets per employee ($millions) | 5.6265% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 3,850 |
| Loan loss allowance to noncurrent loans | 188.6610% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 2,962 |
| Noncurrent loans to loans | 0.5072% | 2,759 |
| Net loans and leases to total assets | 75.1942% | 1,690 |
| Net loans and leases to deposits | 86.1800% | 2,238 |
| Net loans and leases to core deposits | 88.9479% | 2,705 |
| Total domestic deposits to total assets | 87.2525% | 1,459 |
| Equity capital to assets | 12.2371% | 2,031 |
| Core capital (leverage) ratio | 12.2694% | 1,665 |
| Tier 1 risk-based capital ratio | 17.3589% | 1,981 |
| Total risk-based capital ratio | 18.4326% | 1,984 |
| Memoranda: | ||
| Average total assets | $451,295,000 | 1,561 |
| Average earning assets | $420,094,330 | 1,556 |
| Average equity | $54,444,330 | 1,474 |
| Average total loans | $341,568,330 | 1,471 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1163% | 4,083 |
| Cost of funding earning assets | 0.6153% | 3,492 |
| Net interest margin | 3.5011% | 3,589 |
| Noninterest income to average assets | 0.5914% | 2,085 |
| Noninterest expense to average assets | 2.7684% | 2,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8168% | 3,563 |
| Return on assets (ROA) | 0.8168% | 3,599 |
| Pretax return on assets | 1.0822% | 3,197 |
| Return on Equity (ROE) | 6.8202% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.8202% | 2,112 |
| Net charge-offs to loans | -0.0047% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8945% | 2,054 |
| Assets per employee ($millions) | 5.6160% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 3,858 |
| Loan loss allowance to noncurrent loans | 185.8665% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 3,010 |
| Noncurrent loans to loans | 0.5233% | 2,748 |
| Net loans and leases to total assets | 74.1713% | 1,770 |
| Net loans and leases to deposits | 84.7056% | 2,297 |
| Net loans and leases to core deposits | 87.2997% | 2,753 |
| Total domestic deposits to total assets | 87.5637% | 1,540 |
| Equity capital to assets | 11.9505% | 2,048 |
| Core capital (leverage) ratio | 12.1916% | 1,670 |
| Tier 1 risk-based capital ratio | 17.3155% | 2,006 |
| Total risk-based capital ratio | 18.4041% | 2,007 |
| Memoranda: | ||
| Average total assets | $449,070,000 | 1,577 |
| Average earning assets | $418,041,000 | 1,564 |
| Average equity | $53,781,500 | 1,476 |
| Average total loans | $339,350,000 | 1,482 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9342% | 4,203 |
| Cost of funding earning assets | 0.5278% | 3,191 |
| Net interest margin | 3.4063% | 3,983 |
| Noninterest income to average assets | 0.5869% | 2,365 |
| Noninterest expense to average assets | 2.7828% | 2,745 |
| Loan and lease loss provision to assets | 0.0553% | 3,062 |
| Net operating income to assets | 0.6919% | 4,158 |
| Return on assets (ROA) | 0.6919% | 4,163 |
| Pretax return on assets | 0.9302% | 3,814 |
| Return on Equity (ROE) | 5.9771% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.9771% | 2,208 |
| Net charge-offs to loans | 0.0151% | 3,177 |
| Credit loss provision to net charge-offs | 502.0408% | 688 |
| Earnings coverage of net charge-offs (x) | 89.4694% | 796 |
| Efficiency ratio | 73.8472% | 1,642 |
| Assets per employee ($millions) | 5.3403% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 3,815 |
| Loan loss allowance to noncurrent loans | 104.5483% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.7143% | 1,941 |
| Noncurrent loans to loans | 0.9367% | 1,716 |
| Net loans and leases to total assets | 75.5055% | 1,696 |
| Net loans and leases to deposits | 86.4534% | 2,222 |
| Net loans and leases to core deposits | 89.0742% | 2,647 |
| Total domestic deposits to total assets | 87.3366% | 1,622 |
| Equity capital to assets | 12.0026% | 1,892 |
| Core capital (leverage) ratio | 12.1311% | 1,652 |
| Tier 1 risk-based capital ratio | 17.1753% | 2,006 |
| Total risk-based capital ratio | 18.2721% | 2,004 |
| Memoranda: | ||
| Average total assets | $444,844,600 | 1,551 |
| Average earning assets | $415,462,600 | 1,538 |
| Average equity | $51,496,200 | 1,474 |
| Average total loans | $325,030,200 | 1,498 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8965% | 4,222 |
| Cost of funding earning assets | 0.5064% | 3,158 |
| Net interest margin | 3.3901% | 4,032 |
| Noninterest income to average assets | 0.5732% | 2,462 |
| Noninterest expense to average assets | 2.7795% | 2,705 |
| Loan and lease loss provision to assets | 0.0497% | 2,997 |
| Net operating income to assets | 0.6741% | 4,305 |
| Return on assets (ROA) | 0.6741% | 4,320 |
| Pretax return on assets | 0.9133% | 3,973 |
| Return on Equity (ROE) | 5.8768% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.8768% | 2,717 |
| Net charge-offs to loans | 0.0220% | 2,698 |
| Credit loss provision to net charge-offs | 313.2075% | 986 |
| Earnings coverage of net charge-offs (x) | 60.6834% | 1,058 |
| Efficiency ratio | 74.2679% | 1,552 |
| Assets per employee ($millions) | 5.5051% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 3,908 |
| Loan loss allowance to noncurrent loans | 105.3216% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.7524% | 1,968 |
| Noncurrent loans to loans | 0.9275% | 1,836 |
| Net loans and leases to total assets | 73.3395% | 2,107 |
| Net loans and leases to deposits | 83.4531% | 2,660 |
| Net loans and leases to core deposits | 85.8237% | 3,005 |
| Total domestic deposits to total assets | 87.8811% | 1,290 |
| Equity capital to assets | 11.6363% | 2,155 |
| Core capital (leverage) ratio | 11.8047% | 1,911 |
| Tier 1 risk-based capital ratio | 17.1576% | 2,040 |
| Total risk-based capital ratio | 18.2462% | 2,058 |
| Memoranda: | ||
| Average total assets | $445,244,250 | 1,557 |
| Average earning assets | $416,257,000 | 1,549 |
| Average equity | $51,070,000 | 1,483 |
| Average total loans | $321,791,500 | 1,517 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8477% | 4,221 |
| Cost of funding earning assets | 0.4900% | 3,089 |
| Net interest margin | 3.3577% | 4,081 |
| Noninterest income to average assets | 0.5869% | 2,395 |
| Noninterest expense to average assets | 2.7792% | 2,723 |
| Loan and lease loss provision to assets | 0.0472% | 2,962 |
| Net operating income to assets | 0.6660% | 4,300 |
| Return on assets (ROA) | 0.6660% | 4,305 |
| Pretax return on assets | 0.9020% | 3,958 |
| Return on Equity (ROE) | 5.8350% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.8350% | 2,645 |
| Net charge-offs to loans | 0.0357% | 2,138 |
| Credit loss provision to net charge-offs | 184.2105% | 1,384 |
| Earnings coverage of net charge-offs (x) | 37.0526% | 1,347 |
| Efficiency ratio | 74.5419% | 1,633 |
| Assets per employee ($millions) | 5.6596% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 4,014 |
| Loan loss allowance to noncurrent loans | 171.0498% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 2,797 |
| Noncurrent loans to loans | 0.5666% | 2,717 |
| Net loans and leases to total assets | 71.3403% | 2,388 |
| Net loans and leases to deposits | 80.8473% | 2,867 |
| Net loans and leases to core deposits | 83.4783% | 3,124 |
| Total domestic deposits to total assets | 88.2408% | 1,251 |
| Equity capital to assets | 11.3261% | 2,340 |
| Core capital (leverage) ratio | 11.5869% | 1,995 |
| Tier 1 risk-based capital ratio | 17.1433% | 2,051 |
| Total risk-based capital ratio | 18.2262% | 2,051 |
| Memoranda: | ||
| Average total assets | $445,020,670 | 1,567 |
| Average earning assets | $416,358,000 | 1,554 |
| Average equity | $50,797,330 | 1,494 |
| Average total loans | $318,969,330 | 1,527 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8512% | 4,079 |
| Cost of funding earning assets | 0.4749% | 3,007 |
| Net interest margin | 3.3763% | 3,962 |
| Noninterest income to average assets | 0.5812% | 2,357 |
| Noninterest expense to average assets | 2.8453% | 2,550 |
| Loan and lease loss provision to assets | 0.0453% | 2,858 |
| Net operating income to assets | 0.6329% | 4,329 |
| Return on assets (ROA) | 0.6329% | 4,340 |
| Pretax return on assets | 0.8496% | 4,010 |
| Return on Equity (ROE) | 5.5226% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.5226% | 2,939 |
| Net charge-offs to loans | -0.0038% | 3,924 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0727% | 1,587 |
| Assets per employee ($millions) | 5.7785% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 4,023 |
| Loan loss allowance to noncurrent loans | 155.9882% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5401% | 2,724 |
| Noncurrent loans to loans | 0.6347% | 2,639 |
| Net loans and leases to total assets | 71.1371% | 2,310 |
| Net loans and leases to deposits | 80.6555% | 2,733 |
| Net loans and leases to core deposits | 83.4787% | 3,018 |
| Total domestic deposits to total assets | 88.1987% | 1,506 |
| Equity capital to assets | 11.3723% | 2,240 |
| Core capital (leverage) ratio | 11.7190% | 1,836 |
| Tier 1 risk-based capital ratio | 17.1785% | 2,064 |
| Total risk-based capital ratio | 18.2797% | 2,061 |
| Memoranda: | ||
| Average total assets | $441,147,000 | 1,593 |
| Average earning assets | $412,758,000 | 1,575 |
| Average equity | $50,555,500 | 1,513 |
| Average total loans | $315,370,500 | 1,539 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6599% | 4,430 |
| Cost of funding earning assets | 0.4383% | 2,892 |
| Net interest margin | 3.2216% | 4,385 |
| Noninterest income to average assets | 0.6181% | 2,360 |
| Noninterest expense to average assets | 3.5451% | 965 |
| Loan and lease loss provision to assets | -0.0053% | 5,297 |
| Net operating income to assets | 0.0212% | 5,340 |
| Return on assets (ROA) | 0.0212% | 5,340 |
| Pretax return on assets | 0.0768% | 5,389 |
| Return on Equity (ROE) | 0.1830% | 5,341 |
| Retained earnings to average equity (ytd only) | 0.1830% | 4,945 |
| Net charge-offs to loans | -0.0030% | 4,573 |
| Credit loss provision to net charge-offs | 255.5556% | 1,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0232% | 205 |
| Assets per employee ($millions) | 5.5361% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 3,939 |
| Loan loss allowance to noncurrent loans | 155.6500% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.5428% | 2,746 |
| Noncurrent loans to loans | 0.6430% | 2,616 |
| Net loans and leases to total assets | 70.4111% | 2,464 |
| Net loans and leases to deposits | 80.0144% | 2,917 |
| Net loans and leases to core deposits | 82.5729% | 3,196 |
| Total domestic deposits to total assets | 87.9980% | 1,502 |
| Equity capital to assets | 11.5493% | 2,159 |
| Core capital (leverage) ratio | 11.6475% | 1,832 |
| Tier 1 risk-based capital ratio | 17.3218% | 1,989 |
| Total risk-based capital ratio | 18.4281% | 1,991 |
| Memoranda: | ||
| Average total assets | $433,614,400 | 1,595 |
| Average earning assets | $403,592,400 | 1,587 |
| Average equity | $50,260,600 | 1,515 |
| Average total loans | $295,759,600 | 1,585 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6161% | 4,520 |
| Cost of funding earning assets | 0.4304% | 2,883 |
| Net interest margin | 3.1857% | 4,489 |
| Noninterest income to average assets | 0.6225% | 2,348 |
| Noninterest expense to average assets | 3.9261% | 571 |
| Loan and lease loss provision to assets | -0.0015% | 5,437 |
| Net operating income to assets | -0.1436% | 5,564 |
| Return on assets (ROA) | -0.1436% | 5,567 |
| Pretax return on assets | -0.3396% | 5,597 |
| Return on Equity (ROE) | -1.2377% | 5,565 |
| Retained earnings to average equity (ytd only) | -1.2377% | 5,370 |
| Net charge-offs to loans | -0.0091% | 4,614 |
| Credit loss provision to net charge-offs | 25.0000% | 3,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5152% | 102 |
| Assets per employee ($millions) | 5.7142% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 3,845 |
| Loan loss allowance to noncurrent loans | 97.5171% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.8280% | 2,079 |
| Noncurrent loans to loans | 1.0659% | 1,814 |
| Net loans and leases to total assets | 68.8789% | 2,714 |
| Net loans and leases to deposits | 78.7963% | 3,085 |
| Net loans and leases to core deposits | 81.2934% | 3,350 |
| Total domestic deposits to total assets | 87.4139% | 1,661 |
| Equity capital to assets | 11.5690% | 2,302 |
| Core capital (leverage) ratio | 11.5136% | 2,008 |
| Tier 1 risk-based capital ratio | 17.5134% | 2,006 |
| Total risk-based capital ratio | 18.6484% | 1,990 |
| Memoranda: | ||
| Average total assets | $432,679,750 | 1,610 |
| Average earning assets | $402,375,750 | 1,603 |
| Average equity | $50,198,000 | 1,531 |
| Average total loans | $291,935,000 | 1,611 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5807% | 4,562 |
| Cost of funding earning assets | 0.4254% | 2,844 |
| Net interest margin | 3.1552% | 4,531 |
| Noninterest income to average assets | 0.5808% | 2,555 |
| Noninterest expense to average assets | 2.7111% | 3,055 |
| Loan and lease loss provision to assets | -0.0032% | 5,521 |
| Net operating income to assets | 0.5623% | 4,460 |
| Return on assets (ROA) | 0.5623% | 4,511 |
| Pretax return on assets | 0.8076% | 4,240 |
| Return on Equity (ROE) | 4.8422% | 4,540 |
| Retained earnings to average equity (ytd only) | 4.8422% | 2,815 |
| Net charge-offs to loans | -0.0125% | 4,606 |
| Credit loss provision to net charge-offs | 38.8889% | 2,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1195% | 1,568 |
| Assets per employee ($millions) | 5.6658% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 3,758 |
| Loan loss allowance to noncurrent loans | 91.1150% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.9996% | 1,751 |
| Noncurrent loans to loans | 1.1684% | 1,677 |
| Net loans and leases to total assets | 66.8479% | 2,976 |
| Net loans and leases to deposits | 76.2482% | 3,313 |
| Net loans and leases to core deposits | 78.6181% | 3,540 |
| Total domestic deposits to total assets | 87.6715% | 1,632 |
| Equity capital to assets | 11.6917% | 2,161 |
| Core capital (leverage) ratio | 11.9429% | 1,666 |
| Tier 1 risk-based capital ratio | 18.3354% | 1,765 |
| Total risk-based capital ratio | 19.4843% | 1,755 |
| Memoranda: | ||
| Average total assets | $432,146,000 | 1,614 |
| Average earning assets | $401,935,670 | 1,609 |
| Average equity | $50,183,330 | 1,533 |
| Average total loans | $288,490,000 | 1,620 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5681% | 4,502 |
| Cost of funding earning assets | 0.4246% | 2,774 |
| Net interest margin | 3.1435% | 4,521 |
| Noninterest income to average assets | 0.5655% | 2,578 |
| Noninterest expense to average assets | 2.7455% | 2,973 |
| Loan and lease loss provision to assets | -0.0028% | 5,638 |
| Net operating income to assets | 0.5162% | 4,531 |
| Return on assets (ROA) | 0.5162% | 4,563 |
| Pretax return on assets | 0.7422% | 4,306 |
| Return on Equity (ROE) | 4.4604% | 4,613 |
| Retained earnings to average equity (ytd only) | 4.4604% | 3,191 |
| Net charge-offs to loans | -0.0182% | 4,693 |
| Credit loss provision to net charge-offs | 23.0769% | 2,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7830% | 1,519 |
| Assets per employee ($millions) | 5.7614% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 3,799 |
| Loan loss allowance to noncurrent loans | 91.9672% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.0014% | 1,816 |
| Noncurrent loans to loans | 1.1788% | 1,722 |
| Net loans and leases to total assets | 66.2402% | 2,937 |
| Net loans and leases to deposits | 75.4341% | 3,260 |
| Net loans and leases to core deposits | 77.6142% | 3,507 |
| Total domestic deposits to total assets | 87.8120% | 1,818 |
| Equity capital to assets | 11.5962% | 2,115 |
| Core capital (leverage) ratio | 11.9276% | 1,676 |
| Tier 1 risk-based capital ratio | 18.4682% | 1,751 |
| Total risk-based capital ratio | 19.6390% | 1,725 |
| Memoranda: | ||
| Average total assets | $430,086,500 | 1,637 |
| Average earning assets | $399,431,500 | 1,625 |
| Average equity | $49,771,500 | 1,544 |
| Average total loans | $285,349,000 | 1,644 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5300% | 4,702 |
| Cost of funding earning assets | 0.4430% | 2,589 |
| Net interest margin | 3.0870% | 4,762 |
| Noninterest income to average assets | 0.6014% | 2,655 |
| Noninterest expense to average assets | 2.7673% | 3,129 |
| Loan and lease loss provision to assets | -0.0041% | 5,469 |
| Net operating income to assets | 0.4846% | 4,692 |
| Return on assets (ROA) | 0.4846% | 4,768 |
| Pretax return on assets | 0.6979% | 4,492 |
| Return on Equity (ROE) | 4.1154% | 4,790 |
| Retained earnings to average equity (ytd only) | 4.1154% | 2,977 |
| Net charge-offs to loans | 0.1237% | 2,020 |
| Credit loss provision to net charge-offs | -5.2469% | 4,732 |
| Earnings coverage of net charge-offs (x) | 8.8333% | 2,832 |
| Efficiency ratio | 79.9552% | 1,428 |
| Assets per employee ($millions) | 5.9454% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 3,647 |
| Loan loss allowance to noncurrent loans | 119.9923% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.7354% | 2,524 |
| Noncurrent loans to loans | 0.9263% | 2,242 |
| Net loans and leases to total assets | 64.9912% | 3,218 |
| Net loans and leases to deposits | 74.0010% | 3,516 |
| Net loans and leases to core deposits | 76.1941% | 3,736 |
| Total domestic deposits to total assets | 87.8248% | 1,725 |
| Equity capital to assets | 11.5484% | 2,128 |
| Core capital (leverage) ratio | 12.0289% | 1,580 |
| Tier 1 risk-based capital ratio | 18.6580% | 1,686 |
| Total risk-based capital ratio | 19.8489% | 1,668 |
| Memoranda: | ||
| Average total assets | $412,531,000 | 1,638 |
| Average earning assets | $382,150,200 | 1,631 |
| Average equity | $48,574,000 | 1,562 |
| Average total loans | $261,875,200 | 1,724 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5187% | 4,754 |
| Cost of funding earning assets | 0.4435% | 2,610 |
| Net interest margin | 3.0752% | 4,842 |
| Noninterest income to average assets | 0.6088% | 2,617 |
| Noninterest expense to average assets | 2.7821% | 3,066 |
| Loan and lease loss provision to assets | -0.0046% | 5,634 |
| Net operating income to assets | 0.4734% | 4,794 |
| Return on assets (ROA) | 0.4734% | 4,873 |
| Pretax return on assets | 0.6796% | 4,670 |
| Return on Equity (ROE) | 4.0006% | 4,897 |
| Retained earnings to average equity (ytd only) | 4.0006% | 3,456 |
| Net charge-offs to loans | 0.0042% | 3,776 |
| Credit loss provision to net charge-offs | -175.0000% | 4,832 |
| Earnings coverage of net charge-offs (x) | 258.5380% | 312 |
| Efficiency ratio | 80.4738% | 1,382 |
| Assets per employee ($millions) | 5.6112% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 2,803 |
| Loan loss allowance to noncurrent loans | 123.6899% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 2,539 |
| Noncurrent loans to loans | 1.0346% | 2,174 |
| Net loans and leases to total assets | 64.0211% | 3,398 |
| Net loans and leases to deposits | 73.3312% | 3,659 |
| Net loans and leases to core deposits | 75.5115% | 3,887 |
| Total domestic deposits to total assets | 87.3040% | 1,759 |
| Equity capital to assets | 11.9796% | 2,130 |
| Core capital (leverage) ratio | 11.9779% | 1,693 |
| Tier 1 risk-based capital ratio | 18.9192% | 1,687 |
| Total risk-based capital ratio | 20.1735% | 1,649 |
| Memoranda: | ||
| Average total assets | $408,647,000 | 1,659 |
| Average earning assets | $378,503,500 | 1,646 |
| Average equity | $48,358,750 | 1,571 |
| Average total loans | $257,010,750 | 1,754 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4988% | 4,866 |
| Cost of funding earning assets | 0.4407% | 2,652 |
| Net interest margin | 3.0580% | 4,956 |
| Noninterest income to average assets | 0.6323% | 2,454 |
| Noninterest expense to average assets | 2.8161% | 2,977 |
| Loan and lease loss provision to assets | -0.0079% | 5,763 |
| Net operating income to assets | 0.4547% | 4,852 |
| Return on assets (ROA) | 0.4547% | 4,940 |
| Pretax return on assets | 0.6544% | 4,750 |
| Return on Equity (ROE) | 3.8583% | 4,964 |
| Retained earnings to average equity (ytd only) | 3.8583% | 3,438 |
| Net charge-offs to loans | 0.0111% | 3,333 |
| Credit loss provision to net charge-offs | -114.2857% | 4,618 |
| Earnings coverage of net charge-offs (x) | 93.8571% | 610 |
| Efficiency ratio | 81.3273% | 1,348 |
| Assets per employee ($millions) | 5.3245% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 2,602 |
| Loan loss allowance to noncurrent loans | 149.3484% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.6848% | 2,940 |
| Noncurrent loans to loans | 0.8929% | 2,498 |
| Net loans and leases to total assets | 61.2482% | 3,718 |
| Net loans and leases to deposits | 70.0506% | 3,975 |
| Net loans and leases to core deposits | 72.1764% | 4,158 |
| Total domestic deposits to total assets | 87.4342% | 1,698 |
| Equity capital to assets | 11.7722% | 2,292 |
| Core capital (leverage) ratio | 12.0536% | 1,591 |
| Tier 1 risk-based capital ratio | 19.4945% | 1,568 |
| Total risk-based capital ratio | 20.7493% | 1,530 |
| Memoranda: | ||
| Average total assets | $406,452,000 | 1,662 |
| Average earning assets | $376,188,670 | 1,660 |
| Average equity | $47,897,330 | 1,582 |
| Average total loans | $252,920,330 | 1,781 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5280% | 4,820 |
| Cost of funding earning assets | 0.4441% | 2,645 |
| Net interest margin | 3.0839% | 4,904 |
| Noninterest income to average assets | 0.6000% | 2,534 |
| Noninterest expense to average assets | 2.8516% | 2,883 |
| Loan and lease loss provision to assets | -0.0040% | 5,871 |
| Net operating income to assets | 0.4020% | 4,993 |
| Return on assets (ROA) | 0.4020% | 5,069 |
| Pretax return on assets | 0.5990% | 4,826 |
| Return on Equity (ROE) | 3.4092% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.4092% | 3,801 |
| Net charge-offs to loans | 0.0271% | 2,395 |
| Credit loss provision to net charge-offs | -23.5294% | 4,103 |
| Earnings coverage of net charge-offs (x) | 35.1765% | 1,088 |
| Efficiency ratio | 82.7367% | 1,287 |
| Assets per employee ($millions) | 5.4408% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 2,543 |
| Loan loss allowance to noncurrent loans | 133.5529% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.7876% | 2,728 |
| Noncurrent loans to loans | 1.0290% | 2,325 |
| Net loans and leases to total assets | 60.6244% | 3,695 |
| Net loans and leases to deposits | 69.2751% | 3,923 |
| Net loans and leases to core deposits | 71.4329% | 4,113 |
| Total domestic deposits to total assets | 87.5125% | 1,914 |
| Equity capital to assets | 11.7185% | 2,225 |
| Core capital (leverage) ratio | 12.2441% | 1,469 |
| Tier 1 risk-based capital ratio | 19.7755% | 1,551 |
| Total risk-based capital ratio | 21.0307% | 1,516 |
| Memoranda: | ||
| Average total assets | $402,023,000 | 1,677 |
| Average earning assets | $371,084,500 | 1,678 |
| Average equity | $47,400,500 | 1,591 |
| Average total loans | $250,476,500 | 1,796 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6130% | 4,635 |
| Cost of funding earning assets | 0.4369% | 2,766 |
| Net interest margin | 3.1761% | 4,694 |
| Noninterest income to average assets | 0.5890% | 2,779 |
| Noninterest expense to average assets | 3.0061% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3519% | 5,210 |
| Return on assets (ROA) | 0.3519% | 5,301 |
| Pretax return on assets | 0.5199% | 5,064 |
| Return on Equity (ROE) | 2.9193% | 5,330 |
| Retained earnings to average equity (ytd only) | 2.9193% | 3,979 |
| Net charge-offs to loans | 0.1272% | 2,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 6.4887% | 3,215 |
| Efficiency ratio | 85.2550% | 1,068 |
| Assets per employee ($millions) | 5.1427% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 2,491 |
| Loan loss allowance to noncurrent loans | 127.7819% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.8503% | 2,543 |
| Noncurrent loans to loans | 1.0851% | 2,167 |
| Net loans and leases to total assets | 62.2886% | 3,516 |
| Net loans and leases to deposits | 71.3192% | 3,780 |
| Net loans and leases to core deposits | 73.5338% | 3,989 |
| Total domestic deposits to total assets | 87.3378% | 1,961 |
| Equity capital to assets | 11.8647% | 2,060 |
| Core capital (leverage) ratio | 12.3672% | 1,416 |
| Tier 1 risk-based capital ratio | 19.8107% | 1,515 |
| Total risk-based capital ratio | 21.0660% | 1,486 |
| Memoranda: | ||
| Average total assets | $388,139,600 | 1,696 |
| Average earning assets | $358,926,600 | 1,683 |
| Average equity | $46,791,400 | 1,578 |
| Average total loans | $244,549,600 | 1,765 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6118% | 4,700 |
| Cost of funding earning assets | 0.4330% | 2,870 |
| Net interest margin | 3.1789% | 4,744 |
| Noninterest income to average assets | 0.5753% | 2,876 |
| Noninterest expense to average assets | 3.0365% | 2,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3273% | 5,377 |
| Return on assets (ROA) | 0.3273% | 5,458 |
| Pretax return on assets | 0.4796% | 5,270 |
| Return on Equity (ROE) | 2.6975% | 5,482 |
| Retained earnings to average equity (ytd only) | 2.6975% | 4,497 |
| Net charge-offs to loans | 0.1722% | 1,445 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.4235% | 3,353 |
| Efficiency ratio | 86.3596% | 977 |
| Assets per employee ($millions) | 4.8763% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 2,726 |
| Loan loss allowance to noncurrent loans | 80.6360% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.2427% | 1,891 |
| Noncurrent loans to loans | 1.7031% | 1,417 |
| Net loans and leases to total assets | 63.8152% | 3,333 |
| Net loans and leases to deposits | 73.3844% | 3,608 |
| Net loans and leases to core deposits | 75.5017% | 3,856 |
| Total domestic deposits to total assets | 86.9601% | 2,065 |
| Equity capital to assets | 12.3276% | 1,853 |
| Core capital (leverage) ratio | 12.3486% | 1,488 |
| Tier 1 risk-based capital ratio | 19.7941% | 1,605 |
| Total risk-based capital ratio | 21.0495% | 1,565 |
| Memoranda: | ||
| Average total assets | $386,141,250 | 1,715 |
| Average earning assets | $357,227,250 | 1,699 |
| Average equity | $46,857,250 | 1,585 |
| Average total loans | $243,156,000 | 1,781 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5858% | 4,758 |
| Cost of funding earning assets | 0.4267% | 2,967 |
| Net interest margin | 3.1591% | 4,790 |
| Noninterest income to average assets | 0.6019% | 2,730 |
| Noninterest expense to average assets | 3.0685% | 2,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3141% | 5,397 |
| Return on assets (ROA) | 0.3141% | 5,490 |
| Pretax return on assets | 0.4570% | 5,336 |
| Return on Equity (ROE) | 2.6025% | 5,532 |
| Retained earnings to average equity (ytd only) | 2.6025% | 4,404 |
| Net charge-offs to loans | 0.0780% | 2,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 9.3936% | 2,458 |
| Efficiency ratio | 87.0376% | 975 |
| Assets per employee ($millions) | 4.9391% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 2,313 |
| Loan loss allowance to noncurrent loans | 82.1131% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.3222% | 1,897 |
| Noncurrent loans to loans | 1.8223% | 1,395 |
| Net loans and leases to total assets | 61.4947% | 3,626 |
| Net loans and leases to deposits | 70.3526% | 3,890 |
| Net loans and leases to core deposits | 72.4068% | 4,095 |
| Total domestic deposits to total assets | 87.4093% | 1,956 |
| Equity capital to assets | 11.9979% | 2,029 |
| Core capital (leverage) ratio | 12.2675% | 1,503 |
| Tier 1 risk-based capital ratio | 20.0088% | 1,540 |
| Total risk-based capital ratio | 21.2660% | 1,514 |
| Memoranda: | ||
| Average total assets | $386,446,670 | 1,724 |
| Average earning assets | $357,632,670 | 1,712 |
| Average equity | $46,646,670 | 1,604 |
| Average total loans | $241,123,000 | 1,802 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5815% | 4,751 |
| Cost of funding earning assets | 0.4217% | 3,050 |
| Net interest margin | 3.1598% | 4,752 |
| Noninterest income to average assets | 0.5856% | 2,733 |
| Noninterest expense to average assets | 3.1380% | 2,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2621% | 5,527 |
| Return on assets (ROA) | 0.2621% | 5,621 |
| Pretax return on assets | 0.3703% | 5,497 |
| Return on Equity (ROE) | 2.1648% | 5,650 |
| Retained earnings to average equity (ytd only) | 2.1648% | 4,600 |
| Net charge-offs to loans | -0.0050% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4456% | 891 |
| Assets per employee ($millions) | 4.8308% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5604% | 2,189 |
| Loan loss allowance to noncurrent loans | 52.9171% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 2.0181% | 1,172 |
| Noncurrent loans to loans | 2.9488% | 752 |
| Net loans and leases to total assets | 61.1481% | 3,506 |
| Net loans and leases to deposits | 70.0424% | 3,743 |
| Net loans and leases to core deposits | 72.2540% | 3,940 |
| Total domestic deposits to total assets | 87.3015% | 2,216 |
| Equity capital to assets | 12.1435% | 1,929 |
| Core capital (leverage) ratio | 12.4012% | 1,399 |
| Tier 1 risk-based capital ratio | 18.8156% | 1,917 |
| Total risk-based capital ratio | 20.0690% | 1,875 |
| Memoranda: | ||
| Average total assets | $384,577,500 | 1,735 |
| Average earning assets | $355,721,000 | 1,727 |
| Average equity | $46,563,000 | 1,611 |
| Average total loans | $239,890,500 | 1,815 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7340% | 4,694 |
| Cost of funding earning assets | 0.4876% | 2,805 |
| Net interest margin | 3.2465% | 4,766 |
| Noninterest income to average assets | 0.6258% | 2,707 |
| Noninterest expense to average assets | 3.0894% | 2,559 |
| Loan and lease loss provision to assets | -0.2287% | 6,319 |
| Net operating income to assets | 0.4379% | 5,078 |
| Return on assets (ROA) | 0.4603% | 5,061 |
| Pretax return on assets | 0.7947% | 4,281 |
| Return on Equity (ROE) | 4.0134% | 5,108 |
| Retained earnings to average equity (ytd only) | 4.0134% | 3,352 |
| Net charge-offs to loans | 0.1462% | 2,578 |
| Credit loss provision to net charge-offs | -252.4079% | 5,676 |
| Earnings coverage of net charge-offs (x) | 5.8612% | 3,338 |
| Efficiency ratio | 85.3304% | 1,248 |
| Assets per employee ($millions) | 4.7246% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5606% | 2,226 |
| Loan loss allowance to noncurrent loans | 83.7287% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.3557% | 2,063 |
| Noncurrent loans to loans | 1.8638% | 1,526 |
| Net loans and leases to total assets | 61.6630% | 3,544 |
| Net loans and leases to deposits | 70.6049% | 3,830 |
| Net loans and leases to core deposits | 72.5869% | 4,071 |
| Total domestic deposits to total assets | 87.3353% | 2,108 |
| Equity capital to assets | 12.0713% | 1,969 |
| Core capital (leverage) ratio | 12.2715% | 1,460 |
| Tier 1 risk-based capital ratio | 20.1481% | 1,566 |
| Total risk-based capital ratio | 21.4031% | 1,539 |
| Memoranda: | ||
| Average total assets | $389,563,200 | 1,680 |
| Average earning assets | $359,342,000 | 1,667 |
| Average equity | $44,675,400 | 1,617 |
| Average total loans | $241,379,800 | 1,749 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7688% | 4,658 |
| Cost of funding earning assets | 0.4971% | 2,795 |
| Net interest margin | 3.2717% | 4,713 |
| Noninterest income to average assets | 0.6304% | 2,684 |
| Noninterest expense to average assets | 3.1203% | 2,407 |
| Loan and lease loss provision to assets | -0.3036% | 6,466 |
| Net operating income to assets | 0.4532% | 5,063 |
| Return on assets (ROA) | 0.4828% | 5,011 |
| Pretax return on assets | 0.8764% | 4,088 |
| Return on Equity (ROE) | 4.2652% | 5,051 |
| Retained earnings to average equity (ytd only) | 4.2652% | 3,612 |
| Net charge-offs to loans | 0.1511% | 2,282 |
| Credit loss provision to net charge-offs | -325.1825% | 5,661 |
| Earnings coverage of net charge-offs (x) | 5.6388% | 3,228 |
| Efficiency ratio | 85.5634% | 1,227 |
| Assets per employee ($millions) | 4.8324% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 2,254 |
| Loan loss allowance to noncurrent loans | 85.0621% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.3332% | 2,318 |
| Noncurrent loans to loans | 1.8976% | 1,684 |
| Net loans and leases to total assets | 60.5129% | 3,698 |
| Net loans and leases to deposits | 68.9960% | 4,022 |
| Net loans and leases to core deposits | 71.0863% | 4,239 |
| Total domestic deposits to total assets | 87.7049% | 1,918 |
| Equity capital to assets | 11.7387% | 2,273 |
| Core capital (leverage) ratio | 12.0477% | 1,672 |
| Tier 1 risk-based capital ratio | 20.4844% | 1,556 |
| Total risk-based capital ratio | 21.7402% | 1,521 |
| Memoranda: | ||
| Average total assets | $391,280,750 | 1,688 |
| Average earning assets | $360,738,500 | 1,682 |
| Average equity | $44,295,250 | 1,634 |
| Average total loans | $241,794,500 | 1,754 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7650% | 4,639 |
| Cost of funding earning assets | 0.5002% | 2,831 |
| Net interest margin | 3.2648% | 4,717 |
| Noninterest income to average assets | 0.6583% | 2,492 |
| Noninterest expense to average assets | 3.1962% | 2,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2988% | 5,570 |
| Return on assets (ROA) | 0.3431% | 5,497 |
| Pretax return on assets | 0.5386% | 5,162 |
| Return on Equity (ROE) | 3.0683% | 5,501 |
| Retained earnings to average equity (ytd only) | 3.0683% | 4,251 |
| Net charge-offs to loans | 0.0428% | 3,371 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 17.7308% | 1,717 |
| Efficiency ratio | 87.1944% | 1,166 |
| Assets per employee ($millions) | 4.8728% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0667% | 1,244 |
| Loan loss allowance to noncurrent loans | 83.9262% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.6048% | 2,041 |
| Noncurrent loans to loans | 2.4625% | 1,270 |
| Net loans and leases to total assets | 59.4900% | 3,788 |
| Net loans and leases to deposits | 67.4555% | 4,117 |
| Net loans and leases to core deposits | 69.5457% | 4,314 |
| Total domestic deposits to total assets | 88.1916% | 1,797 |
| Equity capital to assets | 11.2911% | 2,618 |
| Core capital (leverage) ratio | 11.6027% | 1,918 |
| Tier 1 risk-based capital ratio | 20.5459% | 1,556 |
| Total risk-based capital ratio | 21.8085% | 1,527 |
| Memoranda: | ||
| Average total assets | $392,843,670 | 1,686 |
| Average earning assets | $361,861,000 | 1,667 |
| Average equity | $43,933,330 | 1,632 |
| Average total loans | $243,134,000 | 1,735 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8654% | 4,226 |
| Cost of funding earning assets | 0.5085% | 2,815 |
| Net interest margin | 3.3569% | 4,307 |
| Noninterest income to average assets | 0.6124% | 2,663 |
| Noninterest expense to average assets | 3.2537% | 2,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2622% | 5,620 |
| Return on assets (ROA) | 0.2766% | 5,624 |
| Pretax return on assets | 0.4736% | 5,249 |
| Return on Equity (ROE) | 2.4852% | 5,633 |
| Retained earnings to average equity (ytd only) | 2.4852% | 4,585 |
| Net charge-offs to loans | 0.0082% | 3,469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 88.4000% | 504 |
| Efficiency ratio | 87.8237% | 1,244 |
| Assets per employee ($millions) | 4.8251% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0498% | 1,420 |
| Loan loss allowance to noncurrent loans | 77.8746% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.8564% | 1,873 |
| Noncurrent loans to loans | 2.6322% | 1,302 |
| Net loans and leases to total assets | 60.4470% | 3,485 |
| Net loans and leases to deposits | 68.4131% | 3,813 |
| Net loans and leases to core deposits | 71.0268% | 3,984 |
| Total domestic deposits to total assets | 88.3558% | 2,022 |
| Equity capital to assets | 11.1190% | 2,605 |
| Core capital (leverage) ratio | 11.4722% | 1,982 |
| Tier 1 risk-based capital ratio | 20.5394% | 1,575 |
| Total risk-based capital ratio | 21.8023% | 1,542 |
| Memoranda: | ||
| Average total assets | $391,919,000 | 1,701 |
| Average earning assets | $361,051,000 | 1,687 |
| Average equity | $43,617,500 | 1,632 |
| Average total loans | $244,822,000 | 1,722 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 3,956 |
| Cost of funding earning assets | 0.6009% | 2,646 |
| Net interest margin | 3.4388% | 4,135 |
| Noninterest income to average assets | 0.6211% | 2,967 |
| Noninterest expense to average assets | 3.1067% | 2,714 |
| Loan and lease loss provision to assets | 0.6400% | 379 |
| Net operating income to assets | 0.0365% | 6,155 |
| Return on assets (ROA) | 0.1353% | 6,034 |
| Pretax return on assets | 0.1368% | 6,035 |
| Return on Equity (ROE) | 1.2206% | 6,042 |
| Retained earnings to average equity (ytd only) | 1.2206% | 5,281 |
| Net charge-offs to loans | 1.3548% | 366 |
| Credit loss provision to net charge-offs | 73.7787% | 3,207 |
| Earnings coverage of net charge-offs (x) | 0.7805% | 4,828 |
| Efficiency ratio | 82.1077% | 1,866 |
| Assets per employee ($millions) | 4.7339% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0401% | 1,462 |
| Loan loss allowance to noncurrent loans | 40.4752% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 3.4857% | 839 |
| Noncurrent loans to loans | 5.0404% | 491 |
| Net loans and leases to total assets | 61.9475% | 3,373 |
| Net loans and leases to deposits | 70.1491% | 3,767 |
| Net loans and leases to core deposits | 73.0909% | 3,935 |
| Total domestic deposits to total assets | 88.3083% | 2,001 |
| Equity capital to assets | 11.1396% | 2,486 |
| Core capital (leverage) ratio | 11.6237% | 1,878 |
| Tier 1 risk-based capital ratio | 20.3306% | 1,577 |
| Total risk-based capital ratio | 21.5936% | 1,544 |
| Memoranda: | ||
| Average total assets | $391,739,800 | 1,685 |
| Average earning assets | $360,272,400 | 1,672 |
| Average equity | $43,420,600 | 1,613 |
| Average total loans | $250,806,800 | 1,657 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 3,986 |
| Cost of funding earning assets | 0.6176% | 2,665 |
| Net interest margin | 3.4200% | 4,210 |
| Noninterest income to average assets | 0.6123% | 3,065 |
| Noninterest expense to average assets | 3.0936% | 2,675 |
| Loan and lease loss provision to assets | 0.8513% | 216 |
| Net operating income to assets | -0.0884% | 6,373 |
| Return on assets (ROA) | -0.0034% | 6,350 |
| Pretax return on assets | -0.0557% | 6,365 |
| Return on Equity (ROE) | -0.0307% | 6,352 |
| Retained earnings to average equity (ytd only) | -0.0307% | 5,945 |
| Net charge-offs to loans | 1.7963% | 229 |
| Credit loss provision to net charge-offs | 73.8004% | 2,984 |
| Earnings coverage of net charge-offs (x) | 0.5746% | 4,667 |
| Efficiency ratio | 82.3540% | 1,782 |
| Assets per employee ($millions) | 4.5744% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0746% | 1,560 |
| Loan loss allowance to noncurrent loans | 60.2787% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 2.1952% | 1,814 |
| Noncurrent loans to loans | 3.4417% | 1,118 |
| Net loans and leases to total assets | 61.6303% | 3,433 |
| Net loans and leases to deposits | 69.7320% | 3,823 |
| Net loans and leases to core deposits | 72.6270% | 4,015 |
| Total domestic deposits to total assets | 88.3818% | 1,904 |
| Equity capital to assets | 11.1326% | 2,633 |
| Core capital (leverage) ratio | 11.5984% | 1,953 |
| Tier 1 risk-based capital ratio | 20.6326% | 1,571 |
| Total risk-based capital ratio | 21.8975% | 1,543 |
| Memoranda: | ||
| Average total assets | $392,629,250 | 1,691 |
| Average earning assets | $360,964,750 | 1,673 |
| Average equity | $43,465,250 | 1,620 |
| Average total loans | $252,139,250 | 1,651 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0244% | 4,019 |
| Cost of funding earning assets | 0.6227% | 2,747 |
| Net interest margin | 3.4017% | 4,180 |
| Noninterest income to average assets | 0.6287% | 3,024 |
| Noninterest expense to average assets | 3.1339% | 2,569 |
| Loan and lease loss provision to assets | 1.3085% | 119 |
| Net operating income to assets | -0.4053% | 6,604 |
| Return on assets (ROA) | -0.2787% | 6,568 |
| Pretax return on assets | -0.4911% | 6,623 |
| Return on Equity (ROE) | -2.5220% | 6,554 |
| Retained earnings to average equity (ytd only) | -2.5220% | 6,256 |
| Net charge-offs to loans | 2.6067% | 138 |
| Credit loss provision to net charge-offs | 77.6644% | 2,674 |
| Earnings coverage of net charge-offs (x) | 0.3678% | 4,416 |
| Efficiency ratio | 83.4928% | 1,695 |
| Assets per employee ($millions) | 4.6587% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0719% | 1,697 |
| Loan loss allowance to noncurrent loans | 60.4447% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 2.1241% | 2,031 |
| Noncurrent loans to loans | 3.4278% | 1,243 |
| Net loans and leases to total assets | 60.6827% | 3,540 |
| Net loans and leases to deposits | 68.4260% | 3,949 |
| Net loans and leases to core deposits | 71.3228% | 4,136 |
| Total domestic deposits to total assets | 88.6837% | 1,788 |
| Equity capital to assets | 10.8080% | 2,935 |
| Core capital (leverage) ratio | 11.1195% | 2,236 |
| Tier 1 risk-based capital ratio | 20.0793% | 1,703 |
| Total risk-based capital ratio | 21.3429% | 1,667 |
| Memoranda: | ||
| Average total assets | $395,422,670 | 1,674 |
| Average earning assets | $363,233,330 | 1,667 |
| Average equity | $43,694,670 | 1,613 |
| Average total loans | $255,575,330 | 1,627 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0632% | 3,876 |
| Cost of funding earning assets | 0.6394% | 2,747 |
| Net interest margin | 3.4239% | 4,033 |
| Noninterest income to average assets | 0.6023% | 3,129 |
| Noninterest expense to average assets | 3.2161% | 2,302 |
| Loan and lease loss provision to assets | 2.6188% | 37 |
| Net operating income to assets | -1.3274% | 6,868 |
| Return on assets (ROA) | -1.0740% | 6,839 |
| Pretax return on assets | -1.6926% | 6,891 |
| Return on Equity (ROE) | -9.6142% | 6,797 |
| Retained earnings to average equity (ytd only) | -9.6142% | 6,598 |
| Net charge-offs to loans | 5.2771% | 40 |
| Credit loss provision to net charge-offs | 75.2254% | 2,221 |
| Earnings coverage of net charge-offs (x) | 0.1524% | 3,764 |
| Efficiency ratio | 85.8417% | 1,535 |
| Assets per employee ($millions) | 4.5343% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9522% | 2,168 |
| Loan loss allowance to noncurrent loans | 48.7250% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 2.7850% | 1,628 |
| Noncurrent loans to loans | 4.0066% | 1,126 |
| Net loans and leases to total assets | 63.9859% | 2,709 |
| Net loans and leases to deposits | 72.5758% | 3,113 |
| Net loans and leases to core deposits | 75.2192% | 3,433 |
| Total domestic deposits to total assets | 88.1642% | 2,217 |
| Equity capital to assets | 11.1280% | 2,817 |
| Core capital (leverage) ratio | 11.1631% | 2,123 |
| Tier 1 risk-based capital ratio | 18.9641% | 2,051 |
| Total risk-based capital ratio | 20.2258% | 2,025 |
| Memoranda: | ||
| Average total assets | $395,141,000 | 1,690 |
| Average earning assets | $362,863,000 | 1,685 |
| Average equity | $44,143,000 | 1,616 |
| Average total loans | $260,673,500 | 1,607 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4856% | 3,461 |
| Cost of funding earning assets | 0.7769% | 2,854 |
| Net interest margin | 3.7087% | 3,612 |
| Noninterest income to average assets | 0.5691% | 3,451 |
| Noninterest expense to average assets | 3.0697% | 3,015 |
| Loan and lease loss provision to assets | 0.1818% | 3,359 |
| Net operating income to assets | 0.5252% | 4,579 |
| Return on assets (ROA) | 0.5252% | 4,847 |
| Pretax return on assets | 0.7397% | 4,518 |
| Return on Equity (ROE) | 4.8122% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.8122% | 2,838 |
| Net charge-offs to loans | 0.1035% | 4,634 |
| Credit loss provision to net charge-offs | 256.6434% | 934 |
| Earnings coverage of net charge-offs (x) | 13.0105% | 1,873 |
| Efficiency ratio | 76.9126% | 2,606 |
| Assets per employee ($millions) | 4.5492% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1828% | 1,578 |
| Loan loss allowance to noncurrent loans | 52.3737% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 2.7782% | 1,730 |
| Noncurrent loans to loans | 4.1677% | 1,094 |
| Net loans and leases to total assets | 65.2061% | 2,675 |
| Net loans and leases to deposits | 74.0290% | 3,082 |
| Net loans and leases to core deposits | 76.8094% | 3,427 |
| Total domestic deposits to total assets | 88.0818% | 2,187 |
| Equity capital to assets | 11.2138% | 2,716 |
| Core capital (leverage) ratio | 11.1366% | 2,135 |
| Tier 1 risk-based capital ratio | 18.7010% | 2,047 |
| Total risk-based capital ratio | 19.9663% | 2,007 |
| Memoranda: | ||
| Average total assets | $403,821,400 | 1,627 |
| Average earning assets | $372,614,000 | 1,605 |
| Average equity | $44,075,800 | 1,584 |
| Average total loans | $276,345,000 | 1,507 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 3,463 |
| Cost of funding earning assets | 0.8001% | 2,936 |
| Net interest margin | 3.7416% | 3,599 |
| Noninterest income to average assets | 0.5545% | 3,579 |
| Noninterest expense to average assets | 3.0485% | 3,065 |
| Loan and lease loss provision to assets | 0.2418% | 2,634 |
| Net operating income to assets | 0.5031% | 4,833 |
| Return on assets (ROA) | 0.5031% | 5,096 |
| Pretax return on assets | 0.7185% | 4,798 |
| Return on Equity (ROE) | 4.6407% | 4,985 |
| Retained earnings to average equity (ytd only) | 4.6407% | 3,626 |
| Net charge-offs to loans | 0.1421% | 3,976 |
| Credit loss provision to net charge-offs | 247.1380% | 1,121 |
| Earnings coverage of net charge-offs (x) | 9.8148% | 2,267 |
| Efficiency ratio | 76.0437% | 2,671 |
| Assets per employee ($millions) | 4.6337% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1509% | 1,804 |
| Loan loss allowance to noncurrent loans | 55.8640% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 2.6964% | 1,960 |
| Noncurrent loans to loans | 3.8503% | 1,361 |
| Net loans and leases to total assets | 66.3945% | 2,574 |
| Net loans and leases to deposits | 75.3334% | 3,089 |
| Net loans and leases to core deposits | 78.5253% | 3,389 |
| Total domestic deposits to total assets | 88.1342% | 1,965 |
| Equity capital to assets | 11.1474% | 3,098 |
| Core capital (leverage) ratio | 11.0265% | 2,355 |
| Tier 1 risk-based capital ratio | 18.0069% | 2,343 |
| Total risk-based capital ratio | 19.2711% | 2,313 |
| Memoranda: | ||
| Average total assets | $404,694,500 | 1,631 |
| Average earning assets | $373,624,250 | 1,615 |
| Average equity | $43,871,750 | 1,604 |
| Average total loans | $278,715,250 | 1,508 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5691% | 3,484 |
| Cost of funding earning assets | 0.8197% | 3,031 |
| Net interest margin | 3.7494% | 3,592 |
| Noninterest income to average assets | 0.5797% | 3,379 |
| Noninterest expense to average assets | 3.1119% | 2,890 |
| Loan and lease loss provision to assets | 0.0934% | 4,389 |
| Net operating income to assets | 0.5812% | 4,449 |
| Return on assets (ROA) | 0.5812% | 4,717 |
| Pretax return on assets | 0.8359% | 4,328 |
| Return on Equity (ROE) | 5.4111% | 4,623 |
| Retained earnings to average equity (ytd only) | 5.4111% | 3,037 |
| Net charge-offs to loans | 0.1371% | 3,825 |
| Credit loss provision to net charge-offs | 98.4456% | 2,817 |
| Earnings coverage of net charge-offs (x) | 9.7927% | 2,129 |
| Efficiency ratio | 77.0045% | 2,590 |
| Assets per employee ($millions) | 4.6949% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9378% | 2,423 |
| Loan loss allowance to noncurrent loans | 71.2485% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.9504% | 2,844 |
| Noncurrent loans to loans | 2.7198% | 2,209 |
| Net loans and leases to total assets | 67.3024% | 2,404 |
| Net loans and leases to deposits | 76.1265% | 2,972 |
| Net loans and leases to core deposits | 79.4108% | 3,302 |
| Total domestic deposits to total assets | 88.4085% | 1,877 |
| Equity capital to assets | 10.8905% | 3,238 |
| Core capital (leverage) ratio | 10.7982% | 2,481 |
| Tier 1 risk-based capital ratio | 17.7175% | 2,392 |
| Total risk-based capital ratio | 18.9792% | 2,352 |
| Memoranda: | ||
| Average total assets | $406,760,330 | 1,622 |
| Average earning assets | $375,525,000 | 1,608 |
| Average equity | $43,688,330 | 1,602 |
| Average total loans | $281,488,330 | 1,494 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6179% | 3,422 |
| Cost of funding earning assets | 0.8580% | 3,010 |
| Net interest margin | 3.7600% | 3,562 |
| Noninterest income to average assets | 0.6251% | 3,081 |
| Noninterest expense to average assets | 3.2568% | 2,424 |
| Loan and lease loss provision to assets | 0.0588% | 4,675 |
| Net operating income to assets | 0.5683% | 4,499 |
| Return on assets (ROA) | 0.5683% | 4,727 |
| Pretax return on assets | 0.7789% | 4,495 |
| Return on Equity (ROE) | 5.3276% | 4,628 |
| Retained earnings to average equity (ytd only) | 5.3276% | 3,362 |
| Net charge-offs to loans | 0.1015% | 3,525 |
| Credit loss provision to net charge-offs | 83.3333% | 2,671 |
| Earnings coverage of net charge-offs (x) | 11.8750% | 1,640 |
| Efficiency ratio | 79.5406% | 2,260 |
| Assets per employee ($millions) | 4.7832% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9111% | 2,645 |
| Loan loss allowance to noncurrent loans | 74.5414% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.7724% | 3,209 |
| Noncurrent loans to loans | 2.5638% | 2,542 |
| Net loans and leases to total assets | 66.9271% | 2,300 |
| Net loans and leases to deposits | 75.3259% | 2,921 |
| Net loans and leases to core deposits | 78.7352% | 3,228 |
| Total domestic deposits to total assets | 88.8500% | 1,792 |
| Equity capital to assets | 10.5337% | 3,450 |
| Core capital (leverage) ratio | 10.4536% | 2,805 |
| Tier 1 risk-based capital ratio | 17.2114% | 2,598 |
| Total risk-based capital ratio | 18.4729% | 2,560 |
| Memoranda: | ||
| Average total assets | $408,259,000 | 1,624 |
| Average earning assets | $376,706,000 | 1,609 |
| Average equity | $43,546,500 | 1,604 |
| Average total loans | $283,676,500 | 1,497 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 3,420 |
| Cost of funding earning assets | 0.9662% | 3,605 |
| Net interest margin | 3.9221% | 3,245 |
| Noninterest income to average assets | 0.5223% | 3,700 |
| Noninterest expense to average assets | 2.8292% | 4,241 |
| Loan and lease loss provision to assets | 0.0728% | 5,698 |
| Net operating income to assets | 0.8211% | 2,950 |
| Return on assets (ROA) | 0.8465% | 2,995 |
| Pretax return on assets | 1.2891% | 2,173 |
| Return on Equity (ROE) | 8.2323% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.2323% | 1,005 |
| Net charge-offs to loans | -0.2616% | 7,231 |
| Credit loss provision to net charge-offs | -39.0276% | 6,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1292% | 4,334 |
| Assets per employee ($millions) | 4.5018% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 3,368 |
| Loan loss allowance to noncurrent loans | 83.0529% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.4318% | 3,841 |
| Noncurrent loans to loans | 1.9904% | 3,219 |
| Net loans and leases to total assets | 69.5873% | 2,118 |
| Net loans and leases to deposits | 78.5380% | 2,749 |
| Net loans and leases to core deposits | 82.3424% | 3,133 |
| Total domestic deposits to total assets | 88.6034% | 1,781 |
| Equity capital to assets | 10.8011% | 3,193 |
| Core capital (leverage) ratio | 10.5786% | 2,635 |
| Tier 1 risk-based capital ratio | 16.9987% | 2,608 |
| Total risk-based capital ratio | 18.2565% | 2,554 |
| Memoranda: | ||
| Average total assets | $407,790,000 | 1,591 |
| Average earning assets | $377,453,600 | 1,571 |
| Average equity | $41,932,400 | 1,603 |
| Average total loans | $290,868,800 | 1,470 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9303% | 3,425 |
| Cost of funding earning assets | 0.9906% | 3,744 |
| Net interest margin | 3.9397% | 3,190 |
| Noninterest income to average assets | 0.5203% | 3,722 |
| Noninterest expense to average assets | 2.8099% | 4,305 |
| Loan and lease loss provision to assets | 0.0545% | 5,765 |
| Net operating income to assets | 0.8652% | 2,883 |
| Return on assets (ROA) | 0.8990% | 2,890 |
| Pretax return on assets | 1.3580% | 2,092 |
| Return on Equity (ROE) | 8.8533% | 2,674 |
| Retained earnings to average equity (ytd only) | 8.8533% | 1,202 |
| Net charge-offs to loans | -0.3782% | 7,322 |
| Credit loss provision to net charge-offs | -20.1691% | 6,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3658% | 4,448 |
| Assets per employee ($millions) | 4.4527% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 3,576 |
| Loan loss allowance to noncurrent loans | 95.1770% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 1.2706% | 4,262 |
| Noncurrent loans to loans | 1.7016% | 3,756 |
| Net loans and leases to total assets | 70.8973% | 1,917 |
| Net loans and leases to deposits | 80.2635% | 2,616 |
| Net loans and leases to core deposits | 84.2362% | 3,026 |
| Total domestic deposits to total assets | 88.3307% | 1,856 |
| Equity capital to assets | 10.7932% | 3,371 |
| Core capital (leverage) ratio | 10.5384% | 2,826 |
| Tier 1 risk-based capital ratio | 16.4628% | 2,882 |
| Total risk-based capital ratio | 17.7200% | 2,843 |
| Memoranda: | ||
| Average total assets | $408,446,750 | 1,597 |
| Average earning assets | $378,493,250 | 1,574 |
| Average equity | $41,475,000 | 1,627 |
| Average total loans | $291,915,750 | 1,473 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8942% | 3,651 |
| Cost of funding earning assets | 1.0216% | 3,806 |
| Net interest margin | 3.8726% | 3,427 |
| Noninterest income to average assets | 0.5226% | 3,681 |
| Noninterest expense to average assets | 2.9288% | 3,905 |
| Loan and lease loss provision to assets | 0.0146% | 6,100 |
| Net operating income to assets | 0.7491% | 3,297 |
| Return on assets (ROA) | 0.7980% | 3,211 |
| Pretax return on assets | 1.2545% | 2,286 |
| Return on Equity (ROE) | 8.0230% | 2,937 |
| Retained earnings to average equity (ytd only) | 8.0230% | 1,457 |
| Net charge-offs to loans | -0.0198% | 6,819 |
| Credit loss provision to net charge-offs | -103.4483% | 6,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0626% | 3,925 |
| Assets per employee ($millions) | 4.8709% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 5,113 |
| Loan loss allowance to noncurrent loans | 57.3750% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.5752% | 3,836 |
| Noncurrent loans to loans | 2.2456% | 3,163 |
| Net loans and leases to total assets | 69.2438% | 2,368 |
| Net loans and leases to deposits | 77.5527% | 3,210 |
| Net loans and leases to core deposits | 81.1914% | 3,624 |
| Total domestic deposits to total assets | 89.2860% | 1,367 |
| Equity capital to assets | 10.1058% | 4,008 |
| Core capital (leverage) ratio | 9.9129% | 3,370 |
| Tier 1 risk-based capital ratio | 15.6528% | 3,154 |
| Total risk-based capital ratio | 16.9049% | 3,123 |
| Memoranda: | ||
| Average total assets | $411,014,670 | 1,600 |
| Average earning assets | $381,961,000 | 1,574 |
| Average equity | $40,882,330 | 1,640 |
| Average total loans | $292,956,670 | 1,482 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9015% | 3,587 |
| Cost of funding earning assets | 1.0848% | 3,624 |
| Net interest margin | 3.8167% | 3,526 |
| Noninterest income to average assets | 0.4903% | 3,964 |
| Noninterest expense to average assets | 2.8874% | 4,114 |
| Loan and lease loss provision to assets | 0.0293% | 5,603 |
| Net operating income to assets | 0.6595% | 3,708 |
| Return on assets (ROA) | 0.7502% | 3,336 |
| Pretax return on assets | 1.2620% | 2,158 |
| Return on Equity (ROE) | 7.6034% | 3,099 |
| Retained earnings to average equity (ytd only) | 7.6034% | 1,886 |
| Net charge-offs to loans | -0.2814% | 7,330 |
| Credit loss provision to net charge-offs | -14.4928% | 5,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5219% | 3,956 |
| Assets per employee ($millions) | 4.7778% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 4,982 |
| Loan loss allowance to noncurrent loans | 66.4519% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.4357% | 4,114 |
| Noncurrent loans to loans | 2.0049% | 3,569 |
| Net loans and leases to total assets | 70.6517% | 1,991 |
| Net loans and leases to deposits | 78.8813% | 2,915 |
| Net loans and leases to core deposits | 82.3846% | 3,405 |
| Total domestic deposits to total assets | 89.5671% | 1,446 |
| Equity capital to assets | 9.8909% | 3,910 |
| Core capital (leverage) ratio | 9.7670% | 3,423 |
| Tier 1 risk-based capital ratio | 15.0834% | 3,383 |
| Total risk-based capital ratio | 16.3346% | 3,341 |
| Memoranda: | ||
| Average total assets | $409,507,000 | 1,615 |
| Average earning assets | $380,538,000 | 1,592 |
| Average equity | $40,403,000 | 1,651 |
| Average total loans | $294,219,000 | 1,492 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3141% | 3,059 |
| Cost of funding earning assets | 1.3041% | 3,859 |
| Net interest margin | 4.0100% | 2,980 |
| Noninterest income to average assets | 0.4844% | 4,290 |
| Noninterest expense to average assets | 2.8991% | 4,227 |
| Loan and lease loss provision to assets | 0.5510% | 2,932 |
| Net operating income to assets | 0.4996% | 4,099 |
| Return on assets (ROA) | 0.5107% | 4,203 |
| Pretax return on assets | 0.7552% | 3,779 |
| Return on Equity (ROE) | 5.1895% | 3,992 |
| Retained earnings to average equity (ytd only) | 5.1895% | 2,315 |
| Net charge-offs to loans | 0.7061% | 2,896 |
| Credit loss provision to net charge-offs | 105.4624% | 4,253 |
| Earnings coverage of net charge-offs (x) | 2.4691% | 3,886 |
| Efficiency ratio | 69.2064% | 4,338 |
| Assets per employee ($millions) | 4.7456% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 5,248 |
| Loan loss allowance to noncurrent loans | 90.6473% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.9955% | 5,012 |
| Noncurrent loans to loans | 1.3810% | 4,413 |
| Net loans and leases to total assets | 71.1878% | 2,261 |
| Net loans and leases to deposits | 79.2472% | 3,299 |
| Net loans and leases to core deposits | 82.6507% | 3,798 |
| Total domestic deposits to total assets | 89.8300% | 1,195 |
| Equity capital to assets | 9.8414% | 3,952 |
| Core capital (leverage) ratio | 9.6461% | 3,491 |
| Tier 1 risk-based capital ratio | 14.5254% | 3,526 |
| Total risk-based capital ratio | 15.7767% | 3,486 |
| Memoranda: | ||
| Average total assets | $399,471,000 | 1,654 |
| Average earning assets | $369,056,000 | 1,630 |
| Average equity | $39,310,200 | 1,682 |
| Average total loans | $295,587,800 | 1,516 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3628% | 3,061 |
| Cost of funding earning assets | 1.3373% | 3,996 |
| Net interest margin | 4.0255% | 2,982 |
| Noninterest income to average assets | 0.4859% | 4,293 |
| Noninterest expense to average assets | 2.9320% | 3,976 |
| Loan and lease loss provision to assets | 0.5967% | 2,558 |
| Net operating income to assets | 0.4772% | 4,410 |
| Return on assets (ROA) | 0.4772% | 4,610 |
| Pretax return on assets | 0.6715% | 4,341 |
| Return on Equity (ROE) | 4.8494% | 4,369 |
| Retained earnings to average equity (ytd only) | 4.8494% | 3,083 |
| Net charge-offs to loans | 0.8448% | 2,337 |
| Credit loss provision to net charge-offs | 94.8267% | 4,568 |
| Earnings coverage of net charge-offs (x) | 2.0155% | 4,209 |
| Efficiency ratio | 69.8066% | 4,108 |
| Assets per employee ($millions) | 4.7142% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 5,997 |
| Loan loss allowance to noncurrent loans | 103.6674% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.7802% | 5,545 |
| Noncurrent loans to loans | 1.0485% | 5,149 |
| Net loans and leases to total assets | 73.5983% | 1,890 |
| Net loans and leases to deposits | 81.9290% | 3,121 |
| Net loans and leases to core deposits | 85.4182% | 3,741 |
| Total domestic deposits to total assets | 89.8318% | 958 |
| Equity capital to assets | 9.8364% | 4,363 |
| Core capital (leverage) ratio | 9.5265% | 3,866 |
| Tier 1 risk-based capital ratio | 13.7665% | 4,009 |
| Total risk-based capital ratio | 14.9620% | 4,003 |
| Memoranda: | ||
| Average total assets | $397,308,250 | 1,686 |
| Average earning assets | $366,589,000 | 1,670 |
| Average equity | $39,096,500 | 1,706 |
| Average total loans | $295,930,750 | 1,529 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3578% | 3,172 |
| Cost of funding earning assets | 1.3898% | 3,940 |
| Net interest margin | 3.9680% | 3,172 |
| Noninterest income to average assets | 0.4901% | 4,191 |
| Noninterest expense to average assets | 2.9959% | 3,728 |
| Loan and lease loss provision to assets | 0.3877% | 3,393 |
| Net operating income to assets | 0.5190% | 4,248 |
| Return on assets (ROA) | 0.5190% | 4,402 |
| Pretax return on assets | 0.7603% | 4,026 |
| Return on Equity (ROE) | 5.2735% | 4,141 |
| Retained earnings to average equity (ytd only) | 5.2735% | 2,735 |
| Net charge-offs to loans | 0.4558% | 3,170 |
| Credit loss provision to net charge-offs | 114.1791% | 3,567 |
| Earnings coverage of net charge-offs (x) | 3.3806% | 3,347 |
| Efficiency ratio | 72.2970% | 3,768 |
| Assets per employee ($millions) | 4.6499% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 5,666 |
| Loan loss allowance to noncurrent loans | 76.0684% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.1411% | 4,848 |
| Noncurrent loans to loans | 1.5180% | 4,434 |
| Net loans and leases to total assets | 74.3007% | 1,846 |
| Net loans and leases to deposits | 82.9064% | 3,095 |
| Net loans and leases to core deposits | 82.9064% | 4,296 |
| Total domestic deposits to total assets | 89.6200% | 1,116 |
| Equity capital to assets | 9.8534% | 4,197 |
| Core capital (leverage) ratio | 9.5519% | 3,740 |
| Tier 1 risk-based capital ratio | 13.3716% | 4,154 |
| Total risk-based capital ratio | 14.5992% | 4,131 |
| Memoranda: | ||
| Average total assets | $394,604,000 | 1,708 |
| Average earning assets | $363,355,670 | 1,692 |
| Average equity | $38,835,670 | 1,712 |
| Average total loans | $294,020,330 | 1,551 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3573% | 3,257 |
| Cost of funding earning assets | 1.4759% | 3,709 |
| Net interest margin | 3.8814% | 3,402 |
| Noninterest income to average assets | 0.4960% | 4,074 |
| Noninterest expense to average assets | 3.1422% | 3,097 |
| Loan and lease loss provision to assets | 0.1276% | 5,302 |
| Net operating income to assets | 0.6031% | 3,882 |
| Return on assets (ROA) | 0.6031% | 4,029 |
| Pretax return on assets | 0.7929% | 3,898 |
| Return on Equity (ROE) | 6.1320% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.1320% | 2,561 |
| Net charge-offs to loans | 0.0206% | 5,293 |
| Credit loss provision to net charge-offs | 833.3333% | 549 |
| Earnings coverage of net charge-offs (x) | 60.1333% | 507 |
| Efficiency ratio | 77.3424% | 3,008 |
| Assets per employee ($millions) | 4.5702% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 5,569 |
| Loan loss allowance to noncurrent loans | 125.7576% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7053% | 5,762 |
| Noncurrent loans to loans | 0.9431% | 5,442 |
| Net loans and leases to total assets | 73.8941% | 1,995 |
| Net loans and leases to deposits | 82.4872% | 3,199 |
| Net loans and leases to core deposits | 82.4872% | 4,419 |
| Total domestic deposits to total assets | 89.5825% | 1,186 |
| Equity capital to assets | 9.8898% | 4,007 |
| Core capital (leverage) ratio | 9.6078% | 3,631 |
| Tier 1 risk-based capital ratio | 13.5148% | 3,972 |
| Total risk-based capital ratio | 14.7690% | 3,933 |
| Memoranda: | ||
| Average total assets | $391,959,000 | 1,756 |
| Average earning assets | $360,179,500 | 1,742 |
| Average equity | $38,552,000 | 1,743 |
| Average total loans | $290,733,000 | 1,620 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4765% | 4,286 |
| Cost of funding earning assets | 2.0185% | 2,880 |
| Net interest margin | 3.4580% | 5,136 |
| Noninterest income to average assets | 0.5438% | 4,081 |
| Noninterest expense to average assets | 2.7613% | 5,119 |
| Loan and lease loss provision to assets | 0.3966% | 4,422 |
| Net operating income to assets | 0.3490% | 4,324 |
| Return on assets (ROA) | 0.2410% | 4,835 |
| Pretax return on assets | 0.3987% | 4,505 |
| Return on Equity (ROE) | 2.4169% | 4,742 |
| Retained earnings to average equity (ytd only) | 2.4169% | 3,441 |
| Net charge-offs to loans | -0.0371% | 7,829 |
| Credit loss provision to net charge-offs | -1,451.9608% | 7,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1231% | 3,871 |
| Assets per employee ($millions) | 4.6533% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 5,508 |
| Loan loss allowance to noncurrent loans | 135.8551% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 5,873 |
| Noncurrent loans to loans | 0.8642% | 5,570 |
| Net loans and leases to total assets | 72.7006% | 2,581 |
| Net loans and leases to deposits | 81.0689% | 3,783 |
| Net loans and leases to core deposits | 98.5145% | 4,175 |
| Total domestic deposits to total assets | 89.6776% | 1,121 |
| Equity capital to assets | 9.7813% | 4,032 |
| Core capital (leverage) ratio | 9.5062% | 3,709 |
| Tier 1 risk-based capital ratio | 13.2049% | 4,011 |
| Total risk-based capital ratio | 14.4102% | 3,989 |
| Memoranda: | ||
| Average total assets | $373,451,200 | 1,829 |
| Average earning assets | $343,576,800 | 1,819 |
| Average equity | $37,237,600 | 1,805 |
| Average total loans | $274,766,800 | 1,751 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4869% | 4,487 |
| Cost of funding earning assets | 2.1134% | 2,834 |
| Net interest margin | 3.3735% | 5,371 |
| Noninterest income to average assets | 0.5581% | 4,021 |
| Noninterest expense to average assets | 2.7374% | 5,159 |
| Loan and lease loss provision to assets | 0.4627% | 3,596 |
| Net operating income to assets | 0.3690% | 4,522 |
| Return on assets (ROA) | 0.3208% | 4,825 |
| Pretax return on assets | 0.4028% | 4,798 |
| Return on Equity (ROE) | 3.2009% | 4,701 |
| Retained earnings to average equity (ytd only) | 3.2009% | 3,523 |
| Net charge-offs to loans | -0.0614% | 7,879 |
| Credit loss provision to net charge-offs | -1,024.8000% | 7,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7264% | 3,735 |
| Assets per employee ($millions) | 4.7624% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 5,594 |
| Loan loss allowance to noncurrent loans | 337.4473% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 6,892 |
| Noncurrent loans to loans | 0.3322% | 6,696 |
| Net loans and leases to total assets | 74.0558% | 2,504 |
| Net loans and leases to deposits | 82.7104% | 3,888 |
| Net loans and leases to core deposits | 100.3485% | 4,331 |
| Total domestic deposits to total assets | 89.5362% | 946 |
| Equity capital to assets | 9.9766% | 4,118 |
| Core capital (leverage) ratio | 9.7405% | 3,586 |
| Tier 1 risk-based capital ratio | 13.5696% | 3,797 |
| Total risk-based capital ratio | 14.7438% | 3,790 |
| Memoranda: | ||
| Average total assets | $369,094,750 | 1,854 |
| Average earning assets | $339,735,500 | 1,854 |
| Average equity | $36,988,750 | 1,840 |
| Average total loans | $271,572,000 | 1,787 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4347% | 4,971 |
| Cost of funding earning assets | 2.1872% | 2,853 |
| Net interest margin | 3.2475% | 5,746 |
| Noninterest income to average assets | 0.5735% | 3,880 |
| Noninterest expense to average assets | 2.8171% | 4,882 |
| Loan and lease loss provision to assets | 0.4842% | 3,108 |
| Net operating income to assets | 0.2684% | 5,020 |
| Return on assets (ROA) | 0.1791% | 5,424 |
| Pretax return on assets | 0.1725% | 5,537 |
| Return on Equity (ROE) | 1.7845% | 5,379 |
| Retained earnings to average equity (ytd only) | 1.7845% | 4,346 |
| Net charge-offs to loans | -0.1026% | 7,954 |
| Credit loss provision to net charge-offs | -645.2555% | 7,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0623% | 3,185 |
| Assets per employee ($millions) | 5.0583% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 6,046 |
| Loan loss allowance to noncurrent loans | 407.2359% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 7,083 |
| Noncurrent loans to loans | 0.2518% | 6,885 |
| Net loans and leases to total assets | 71.5898% | 3,323 |
| Net loans and leases to deposits | 80.0404% | 4,542 |
| Net loans and leases to core deposits | 96.2686% | 4,874 |
| Total domestic deposits to total assets | 89.4421% | 1,067 |
| Equity capital to assets | 9.7526% | 4,281 |
| Core capital (leverage) ratio | 9.6136% | 3,746 |
| Tier 1 risk-based capital ratio | 13.8633% | 3,598 |
| Total risk-based capital ratio | 14.9349% | 3,630 |
| Memoranda: | ||
| Average total assets | $365,129,330 | 1,900 |
| Average earning assets | $336,135,670 | 1,887 |
| Average equity | $36,648,330 | 1,862 |
| Average total loans | $266,981,000 | 1,849 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4664% | 5,084 |
| Cost of funding earning assets | 2.3139% | 2,639 |
| Net interest margin | 3.1525% | 6,005 |
| Noninterest income to average assets | 0.4916% | 4,399 |
| Noninterest expense to average assets | 2.7229% | 4,906 |
| Loan and lease loss provision to assets | 0.3642% | 3,138 |
| Net operating income to assets | 0.3285% | 5,172 |
| Return on assets (ROA) | 0.1464% | 6,003 |
| Pretax return on assets | 0.1207% | 6,117 |
| Return on Equity (ROE) | 1.4367% | 5,993 |
| Retained earnings to average equity (ytd only) | 1.4367% | 5,049 |
| Net charge-offs to loans | 0.0395% | 4,944 |
| Credit loss provision to net charge-offs | 1,253.8462% | 499 |
| Earnings coverage of net charge-offs (x) | 22.9615% | 1,295 |
| Efficiency ratio | 80.3230% | 2,771 |
| Assets per employee ($millions) | 4.5651% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7853% | 7,209 |
| Loan loss allowance to noncurrent loans | 17,441.6667% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 7,653 |
| Noncurrent loans to loans | 0.0045% | 7,568 |
| Net loans and leases to total assets | 72.4064% | 3,151 |
| Net loans and leases to deposits | 80.8519% | 4,482 |
| Net loans and leases to core deposits | 96.9020% | 4,856 |
| Total domestic deposits to total assets | 89.5543% | 987 |
| Equity capital to assets | 10.0287% | 3,971 |
| Core capital (leverage) ratio | 9.9268% | 3,489 |
| Tier 1 risk-based capital ratio | 14.3453% | 3,401 |
| Total risk-based capital ratio | 15.1743% | 3,557 |
| Memoranda: | ||
| Average total assets | $358,007,000 | 1,942 |
| Average earning assets | $329,137,000 | 1,925 |
| Average equity | $36,473,000 | 1,874 |
| Average total loans | $263,268,000 | 1,883 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7332% | 6,669 |
| Cost of funding earning assets | 2.7482% | 2,935 |
| Net interest margin | 2.9851% | 6,952 |
| Noninterest income to average assets | 0.5629% | 4,130 |
| Noninterest expense to average assets | 3.0677% | 3,830 |
| Loan and lease loss provision to assets | 0.4833% | 2,884 |
| Net operating income to assets | -0.0128% | 6,390 |
| Return on assets (ROA) | -0.0128% | 6,249 |
| Pretax return on assets | -0.2516% | 6,410 |
| Return on Equity (ROE) | -0.1153% | 6,249 |
| Retained earnings to average equity (ytd only) | -0.1153% | 5,308 |
| Net charge-offs to loans | -0.2758% | 8,191 |
| Credit loss provision to net charge-offs | -244.2279% | 7,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9766% | 1,327 |
| Assets per employee ($millions) | 4.3850% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6896% | 7,460 |
| Loan loss allowance to noncurrent loans | 3,383.0189% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 7,547 |
| Noncurrent loans to loans | 0.0204% | 7,436 |
| Net loans and leases to total assets | 73.6066% | 3,205 |
| Net loans and leases to deposits | 82.6388% | 4,632 |
| Net loans and leases to core deposits | 98.0218% | 5,039 |
| Total domestic deposits to total assets | 89.0702% | 1,020 |
| Equity capital to assets | 10.3534% | 3,661 |
| Core capital (leverage) ratio | 10.2886% | 3,180 |
| Tier 1 risk-based capital ratio | 14.7698% | 3,162 |
| Total risk-based capital ratio | 15.5037% | 3,341 |
| Memoranda: | ||
| Average total assets | $337,026,800 | 1,981 |
| Average earning assets | $308,970,200 | 1,971 |
| Average equity | $37,284,200 | 1,816 |
| Average total loans | $241,875,800 | 1,954 |