Home > Silver Lake Bank > Performance and Condition Ratios
Silver Lake Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6329% | 999 |
| Cost of funding earning assets | 1.6514% | 1,566 |
| Net interest margin | 3.9815% | 1,236 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.5538% | 2,141 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.0977% | 1,931 |
| Return on assets (ROA) | 1.1024% | 1,884 |
| Pretax return on assets | 1.4507% | 1,534 |
| Return on Equity (ROE) | 11.2100% | 2,170 |
| Retained earnings to average equity (ytd only) | 11.2093% | 751 |
| Net charge-offs to loans | 0.0677% | 1,175 |
| Credit loss provision to net charge-offs | 244.2922% | 1,087 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 1,623 |
| Efficiency ratio | 61.4842% | 2,908 |
| Assets per employee ($millions) | 6.7921% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,306 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 2,999 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 78.8800% | 775 |
| Net loans and leases to deposits | 99.6442% | 555 |
| Net loans and leases to core deposits | 108.5017% | 1,015 |
| Total domestic deposits to total assets | 79.1600% | 3,587 |
| Equity capital to assets | 10.5758% | 1,695 |
| Core capital (leverage) ratio | 11.2348% | 1,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $419,809,200 | 1,953 |
| Average earning assets | $408,190,200 | 1,886 |
| Average equity | $41,287,200 | 1,838 |
| Average total loans | $323,457,400 | 1,711 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4898% | 1,023 |
| Cost of funding earning assets | 1.5583% | 1,463 |
| Net interest margin | 3.9314% | 1,339 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.6286% | 1,858 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.0206% | 2,300 |
| Return on assets (ROA) | 1.0254% | 2,272 |
| Pretax return on assets | 1.3607% | 1,868 |
| Return on Equity (ROE) | 10.6300% | 2,470 |
| Retained earnings to average equity (ytd only) | 10.6269% | 1,233 |
| Net charge-offs to loans | -0.0067% | 3,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.5616% | 2,554 |
| Assets per employee ($millions) | 7.2092% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 3,177 |
| Loan loss allowance to noncurrent loans | 1,366.4000% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 2,493 |
| Noncurrent loans to loans | 0.0758% | 3,215 |
| Net loans and leases to total assets | 78.0200% | 879 |
| Net loans and leases to deposits | 97.4031% | 648 |
| Net loans and leases to core deposits | 105.0896% | 1,057 |
| Total domestic deposits to total assets | 80.1000% | 3,512 |
| Equity capital to assets | 9.9294% | 1,867 |
| Core capital (leverage) ratio | 10.8184% | 2,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $419,483,500 | 1,955 |
| Average earning assets | $408,119,250 | 1,881 |
| Average equity | $40,475,000 | 1,853 |
| Average total loans | $320,439,000 | 1,716 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1816% | 1,284 |
| Cost of funding earning assets | 0.5015% | 1,381 |
| Net interest margin | 3.6801% | 1,423 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.2676% | 2,840 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.1427% | 1,998 |
| Return on assets (ROA) | 1.1400% | 1,960 |
| Pretax return on assets | 1.5019% | 1,451 |
| Return on Equity (ROE) | 11.9500% | 2,154 |
| Retained earnings to average equity (ytd only) | 11.9515% | 675 |
| Net charge-offs to loans | -0.0021% | 3,458 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.3231% | 3,293 |
| Assets per employee ($millions) | 6.8202% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 3,468 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 2,632 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 77.2800% | 868 |
| Net loans and leases to deposits | 99.7911% | 442 |
| Net loans and leases to core deposits | 104.9828% | 788 |
| Total domestic deposits to total assets | 77.4400% | 4,134 |
| Equity capital to assets | 9.8337% | 1,796 |
| Core capital (leverage) ratio | 10.8494% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $398,168,000 | 2,036 |
| Average earning assets | $388,631,400 | 1,952 |
| Average equity | $37,978,600 | 1,997 |
| Average total loans | $280,964,800 | 1,811 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 1,451 |
| Cost of funding earning assets | 0.3966% | 1,316 |
| Net interest margin | 3.5170% | 1,618 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.1172% | 3,166 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1718% | 1,800 |
| Return on assets (ROA) | 1.1694% | 1,793 |
| Pretax return on assets | 1.5449% | 1,287 |
| Return on Equity (ROE) | 12.3600% | 1,925 |
| Retained earnings to average equity (ytd only) | 12.3551% | 718 |
| Net charge-offs to loans | -0.0024% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.7168% | 3,549 |
| Assets per employee ($millions) | 7.1361% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 3,662 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 2,726 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 71.7700% | 1,318 |
| Net loans and leases to deposits | 92.7774% | 718 |
| Net loans and leases to core deposits | 97.6799% | 917 |
| Total domestic deposits to total assets | 77.3600% | 4,301 |
| Equity capital to assets | 9.1990% | 2,083 |
| Core capital (leverage) ratio | 10.4702% | 2,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $398,817,750 | 2,044 |
| Average earning assets | $389,643,500 | 1,963 |
| Average equity | $37,748,500 | 2,033 |
| Average total loans | $274,026,750 | 1,839 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6726% | 1,610 |
| Cost of funding earning assets | 0.2915% | 1,792 |
| Net interest margin | 3.3811% | 1,660 |
| Noninterest income to average assets | 0.2991% | 3,370 |
| Noninterest expense to average assets | 2.0951% | 3,166 |
| Loan and lease loss provision to assets | 0.0708% | 1,351 |
| Net operating income to assets | 1.0921% | 1,803 |
| Return on assets (ROA) | 1.0869% | 1,807 |
| Pretax return on assets | 1.4332% | 1,348 |
| Return on Equity (ROE) | 11.3767% | 1,870 |
| Retained earnings to average equity (ytd only) | 11.3767% | 722 |
| Net charge-offs to loans | -0.0037% | 3,262 |
| Credit loss provision to net charge-offs | -2,820.0000% | 3,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1072% | 3,543 |
| Assets per employee ($millions) | 7.3649% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 3,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 2,851 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 67.6800% | 1,507 |
| Net loans and leases to deposits | 84.9222% | 1,058 |
| Net loans and leases to core deposits | 88.7668% | 1,184 |
| Total domestic deposits to total assets | 79.6964% | 4,249 |
| Equity capital to assets | 9.1234% | 2,303 |
| Core capital (leverage) ratio | 10.0824% | 2,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $398,550,667 | 2,056 |
| Average earning assets | $389,750,333 | 1,980 |
| Average equity | $38,077,667 | 2,076 |
| Average total loans | $268,844,333 | 1,858 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4774% | 1,875 |
| Cost of funding earning assets | 0.2578% | 2,069 |
| Net interest margin | 3.2197% | 1,816 |
| Noninterest income to average assets | 0.3034% | 3,292 |
| Noninterest expense to average assets | 1.9693% | 3,509 |
| Loan and lease loss provision to assets | 0.0010% | 2,277 |
| Net operating income to assets | 1.1278% | 1,446 |
| Return on assets (ROA) | 1.1246% | 1,452 |
| Pretax return on assets | 1.4800% | 1,051 |
| Return on Equity (ROE) | 11.4979% | 1,457 |
| Retained earnings to average equity (ytd only) | 11.4979% | 682 |
| Net charge-offs to loans | -0.0015% | 3,067 |
| Credit loss provision to net charge-offs | -100.0000% | 2,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0077% | 3,784 |
| Assets per employee ($millions) | 7.3504% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 3,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 2,937 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.0812% | 1,608 |
| Net loans and leases to deposits | 82.0835% | 1,003 |
| Net loans and leases to core deposits | 86.0898% | 1,126 |
| Total domestic deposits to total assets | 78.0683% | 4,402 |
| Equity capital to assets | 9.3194% | 2,426 |
| Core capital (leverage) ratio | 10.0226% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $391,608,500 | 2,087 |
| Average earning assets | $383,269,500 | 2,012 |
| Average equity | $38,302,500 | 2,120 |
| Average total loans | $262,343,500 | 1,870 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8357% | 1,782 |
| Cost of funding earning assets | 0.3508% | 1,930 |
| Net interest margin | 3.4849% | 1,784 |
| Noninterest income to average assets | 0.2748% | 3,749 |
| Noninterest expense to average assets | 2.2199% | 3,010 |
| Loan and lease loss provision to assets | -0.0400% | 4,312 |
| Net operating income to assets | 1.1472% | 2,122 |
| Return on assets (ROA) | 1.1527% | 2,154 |
| Pretax return on assets | 1.5117% | 1,678 |
| Return on Equity (ROE) | 11.5760% | 1,957 |
| Retained earnings to average equity (ytd only) | 11.5760% | 600 |
| Net charge-offs to loans | 0.0726% | 1,065 |
| Credit loss provision to net charge-offs | -81.0811% | 3,327 |
| Earnings coverage of net charge-offs (x) | 29.7081% | 1,614 |
| Efficiency ratio | 60.2459% | 3,112 |
| Assets per employee ($millions) | 6.8899% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 3,853 |
| Loan loss allowance to noncurrent loans | 256,400.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 3,006 |
| Noncurrent loans to loans | 0.0004% | 4,142 |
| Net loans and leases to total assets | 68.7418% | 1,182 |
| Net loans and leases to deposits | 88.3797% | 631 |
| Net loans and leases to core deposits | 93.3322% | 812 |
| Total domestic deposits to total assets | 77.7801% | 4,417 |
| Equity capital to assets | 10.2730% | 2,400 |
| Core capital (leverage) ratio | 10.0214% | 2,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,203,000 | 2,089 |
| Average earning assets | $367,130,000 | 2,012 |
| Average equity | $37,361,800 | 2,182 |
| Average total loans | $254,842,200 | 1,902 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8624% | 1,886 |
| Cost of funding earning assets | 0.3771% | 1,873 |
| Net interest margin | 3.4853% | 1,913 |
| Noninterest income to average assets | 0.2675% | 3,807 |
| Noninterest expense to average assets | 2.3234% | 2,682 |
| Loan and lease loss provision to assets | -0.0542% | 4,472 |
| Net operating income to assets | 1.0706% | 2,649 |
| Return on assets (ROA) | 1.0748% | 2,697 |
| Pretax return on assets | 1.4111% | 2,291 |
| Return on Equity (ROE) | 10.8806% | 2,407 |
| Retained earnings to average equity (ytd only) | 10.8806% | 1,085 |
| Net charge-offs to loans | 0.0981% | 748 |
| Credit loss provision to net charge-offs | -81.7204% | 3,204 |
| Earnings coverage of net charge-offs (x) | 20.3978% | 1,732 |
| Efficiency ratio | 63.2222% | 2,507 |
| Assets per employee ($millions) | 6.7699% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 3,800 |
| Loan loss allowance to noncurrent loans | 128,050.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 3,061 |
| Noncurrent loans to loans | 0.0008% | 4,228 |
| Net loans and leases to total assets | 67.2432% | 1,405 |
| Net loans and leases to deposits | 87.0549% | 765 |
| Net loans and leases to core deposits | 92.8543% | 877 |
| Total domestic deposits to total assets | 77.2423% | 4,475 |
| Equity capital to assets | 10.1879% | 2,726 |
| Core capital (leverage) ratio | 9.6448% | 2,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $374,267,750 | 2,110 |
| Average earning assets | $365,913,750 | 2,038 |
| Average equity | $36,970,000 | 2,232 |
| Average total loans | $252,788,500 | 1,944 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9959% | 1,573 |
| Cost of funding earning assets | 0.4071% | 1,825 |
| Net interest margin | 3.5888% | 1,615 |
| Noninterest income to average assets | 0.2523% | 3,885 |
| Noninterest expense to average assets | 1.8148% | 4,154 |
| Loan and lease loss provision to assets | -0.1579% | 4,716 |
| Net operating income to assets | 1.6016% | 1,044 |
| Return on assets (ROA) | 1.6063% | 1,094 |
| Pretax return on assets | 2.1098% | 677 |
| Return on Equity (ROE) | 16.4317% | 874 |
| Retained earnings to average equity (ytd only) | 16.4317% | 311 |
| Net charge-offs to loans | 0.1464% | 560 |
| Credit loss provision to net charge-offs | -160.0000% | 3,149 |
| Earnings coverage of net charge-offs (x) | 19.7189% | 1,536 |
| Efficiency ratio | 48.2553% | 4,369 |
| Assets per employee ($millions) | 7.1508% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 4,003 |
| Loan loss allowance to noncurrent loans | 120,900.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.2115% | 2,881 |
| Noncurrent loans to loans | 0.0008% | 4,274 |
| Net loans and leases to total assets | 64.2113% | 1,924 |
| Net loans and leases to deposits | 81.9573% | 1,227 |
| Net loans and leases to core deposits | 86.7769% | 1,364 |
| Total domestic deposits to total assets | 78.3472% | 4,406 |
| Equity capital to assets | 9.6498% | 3,200 |
| Core capital (leverage) ratio | 9.5778% | 2,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $374,909,000 | 2,096 |
| Average earning assets | $366,526,333 | 2,031 |
| Average equity | $36,648,667 | 2,242 |
| Average total loans | $252,739,000 | 1,949 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3121% | 1,025 |
| Cost of funding earning assets | 0.4549% | 1,687 |
| Net interest margin | 3.8573% | 1,050 |
| Noninterest income to average assets | 0.2406% | 3,954 |
| Noninterest expense to average assets | 1.8944% | 3,996 |
| Loan and lease loss provision to assets | -0.3281% | 4,872 |
| Net operating income to assets | 1.8584% | 709 |
| Return on assets (ROA) | 1.8670% | 750 |
| Pretax return on assets | 2.4511% | 474 |
| Return on Equity (ROE) | 18.9682% | 626 |
| Retained earnings to average equity (ytd only) | 18.9682% | 318 |
| Net charge-offs to loans | -0.0048% | 3,374 |
| Credit loss provision to net charge-offs | 10,000.0000% | 61 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2836% | 4,387 |
| Assets per employee ($millions) | 7.0529% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,823 |
| Loan loss allowance to noncurrent loans | 280.9935% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 2,322 |
| Noncurrent loans to loans | 0.3570% | 2,801 |
| Net loans and leases to total assets | 66.1930% | 1,774 |
| Net loans and leases to deposits | 83.1331% | 1,232 |
| Net loans and leases to core deposits | 88.3820% | 1,338 |
| Total domestic deposits to total assets | 79.6229% | 4,247 |
| Equity capital to assets | 9.4725% | 3,229 |
| Core capital (leverage) ratio | 9.6871% | 2,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $365,716,500 | 2,120 |
| Average earning assets | $357,039,000 | 2,053 |
| Average equity | $35,997,000 | 2,263 |
| Average total loans | $251,630,000 | 1,955 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5116% | 1,280 |
| Cost of funding earning assets | 0.7442% | 1,488 |
| Net interest margin | 3.7675% | 1,593 |
| Noninterest income to average assets | 0.2727% | 3,842 |
| Noninterest expense to average assets | 2.0901% | 3,950 |
| Loan and lease loss provision to assets | 0.2788% | 1,370 |
| Net operating income to assets | 1.2040% | 1,540 |
| Return on assets (ROA) | 1.2031% | 1,651 |
| Pretax return on assets | 1.5646% | 1,149 |
| Return on Equity (ROE) | 11.1511% | 1,572 |
| Retained earnings to average equity (ytd only) | 2.2471% | 3,729 |
| Net charge-offs to loans | 0.0164% | 2,770 |
| Credit loss provision to net charge-offs | 2,243.9024% | 405 |
| Earnings coverage of net charge-offs (x) | 148.4634% | 583 |
| Efficiency ratio | 53.1192% | 4,297 |
| Assets per employee ($millions) | 6.0267% | 2,316 |
| Cash dividends to net income (ytd only)* | 79.8489% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 3,004 |
| Loan loss allowance to noncurrent loans | 276.3584% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 2,224 |
| Noncurrent loans to loans | 0.4301% | 2,689 |
| Net loans and leases to total assets | 70.1524% | 1,543 |
| Net loans and leases to deposits | 90.2587% | 911 |
| Net loans and leases to core deposits | 96.7750% | 1,077 |
| Total domestic deposits to total assets | 77.7237% | 4,348 |
| Equity capital to assets | 10.2611% | 2,872 |
| Core capital (leverage) ratio | 9.6992% | 2,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $329,988,400 | 2,137 |
| Average earning assets | $320,747,400 | 2,075 |
| Average equity | $35,602,000 | 2,203 |
| Average total loans | $249,827,200 | 1,920 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7748% | 920 |
| Cost of funding earning assets | 0.7943% | 1,526 |
| Net interest margin | 3.9805% | 1,158 |
| Noninterest income to average assets | 0.2674% | 3,866 |
| Noninterest expense to average assets | 2.1224% | 3,890 |
| Loan and lease loss provision to assets | 0.2939% | 1,378 |
| Net operating income to assets | 1.3124% | 1,328 |
| Return on assets (ROA) | 1.3092% | 1,430 |
| Pretax return on assets | 1.7138% | 943 |
| Return on Equity (ROE) | 11.9806% | 1,374 |
| Retained earnings to average equity (ytd only) | 11.9806% | 424 |
| Net charge-offs to loans | -0.0005% | 3,784 |
| Credit loss provision to net charge-offs | -72,000.0000% | 4,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3380% | 4,394 |
| Assets per employee ($millions) | 5.9283% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 3,573 |
| Loan loss allowance to noncurrent loans | 233.0782% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 2,242 |
| Noncurrent loans to loans | 0.4411% | 2,728 |
| Net loans and leases to total assets | 76.7398% | 993 |
| Net loans and leases to deposits | 101.6488% | 466 |
| Net loans and leases to core deposits | 109.0325% | 730 |
| Total domestic deposits to total assets | 75.4950% | 4,467 |
| Equity capital to assets | 10.9656% | 2,420 |
| Core capital (leverage) ratio | 10.5041% | 2,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,605,000 | 2,135 |
| Average earning assets | $317,269,750 | 2,067 |
| Average equity | $35,690,250 | 2,178 |
| Average total loans | $251,312,000 | 1,915 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1743% | 601 |
| Cost of funding earning assets | 0.8663% | 1,512 |
| Net interest margin | 4.3079% | 738 |
| Noninterest income to average assets | 0.2531% | 3,960 |
| Noninterest expense to average assets | 2.1617% | 3,898 |
| Loan and lease loss provision to assets | 0.4488% | 855 |
| Net operating income to assets | 1.3957% | 1,125 |
| Return on assets (ROA) | 1.3913% | 1,223 |
| Pretax return on assets | 1.8214% | 780 |
| Return on Equity (ROE) | 12.7474% | 1,163 |
| Retained earnings to average equity (ytd only) | 12.7474% | 383 |
| Net charge-offs to loans | 0.0008% | 3,011 |
| Credit loss provision to net charge-offs | 72,000.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 3,651.0000% | 14 |
| Efficiency ratio | 48.7147% | 4,577 |
| Assets per employee ($millions) | 6.0989% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 3,484 |
| Loan loss allowance to noncurrent loans | 232.9082% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 2,416 |
| Noncurrent loans to loans | 0.4371% | 2,853 |
| Net loans and leases to total assets | 75.2820% | 1,235 |
| Net loans and leases to deposits | 98.1292% | 647 |
| Net loans and leases to core deposits | 103.9828% | 1,005 |
| Total domestic deposits to total assets | 76.7172% | 4,353 |
| Equity capital to assets | 10.3777% | 2,858 |
| Core capital (leverage) ratio | 11.4056% | 1,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $320,860,000 | 2,143 |
| Average earning assets | $311,657,667 | 2,066 |
| Average equity | $35,019,000 | 2,203 |
| Average total loans | $246,215,000 | 1,929 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6378% | 1,886 |
| Cost of funding earning assets | 1.0468% | 1,233 |
| Net interest margin | 3.5910% | 2,697 |
| Noninterest income to average assets | 0.2746% | 3,887 |
| Noninterest expense to average assets | 2.3809% | 3,577 |
| Loan and lease loss provision to assets | 0.4533% | 665 |
| Net operating income to assets | 0.7069% | 3,249 |
| Return on assets (ROA) | 0.7069% | 3,330 |
| Pretax return on assets | 0.9158% | 3,093 |
| Return on Equity (ROE) | 6.2973% | 3,205 |
| Retained earnings to average equity (ytd only) | 6.2973% | 1,773 |
| Net charge-offs to loans | 0.0034% | 2,462 |
| Credit loss provision to net charge-offs | 17,250.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 521.0000% | 117 |
| Efficiency ratio | 63.4898% | 3,304 |
| Assets per employee ($millions) | 5.4317% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 3,677 |
| Loan loss allowance to noncurrent loans | 196.8333% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.6206% | 2,152 |
| Noncurrent loans to loans | 0.5108% | 2,738 |
| Net loans and leases to total assets | 73.8132% | 1,644 |
| Net loans and leases to deposits | 93.0331% | 1,180 |
| Net loans and leases to core deposits | 99.1663% | 1,538 |
| Total domestic deposits to total assets | 79.3407% | 3,986 |
| Equity capital to assets | 10.9608% | 2,895 |
| Core capital (leverage) ratio | 10.8941% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,421,000 | 2,179 |
| Average earning assets | $294,623,500 | 2,108 |
| Average equity | $34,173,500 | 2,237 |
| Average total loans | $234,802,500 | 1,967 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8230% | 1,980 |
| Cost of funding earning assets | 1.1567% | 1,138 |
| Net interest margin | 3.6663% | 2,917 |
| Noninterest income to average assets | 0.2802% | 4,006 |
| Noninterest expense to average assets | 2.3635% | 3,795 |
| Loan and lease loss provision to assets | 0.0832% | 2,346 |
| Net operating income to assets | 1.0556% | 2,637 |
| Return on assets (ROA) | 1.0655% | 2,695 |
| Pretax return on assets | 1.3854% | 2,220 |
| Return on Equity (ROE) | 9.3345% | 2,593 |
| Retained earnings to average equity (ytd only) | 2.8879% | 3,587 |
| Net charge-offs to loans | 0.0018% | 3,643 |
| Credit loss provision to net charge-offs | 5,975.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 1,045.7500% | 95 |
| Efficiency ratio | 61.8792% | 3,400 |
| Assets per employee ($millions) | 4.9797% | 2,627 |
| Cash dividends to net income (ytd only)* | 69.0624% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8607% | 4,122 |
| Loan loss allowance to noncurrent loans | 3,811.3208% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 3,327 |
| Noncurrent loans to loans | 0.0226% | 4,478 |
| Net loans and leases to total assets | 79.1969% | 895 |
| Net loans and leases to deposits | 99.2806% | 647 |
| Net loans and leases to core deposits | 107.6484% | 998 |
| Total domestic deposits to total assets | 79.7707% | 4,026 |
| Equity capital to assets | 11.5098% | 2,521 |
| Core capital (leverage) ratio | 11.2124% | 2,323 |
| Tier 1 risk-based capital ratio | 14.3375% | 3,099 |
| Total risk-based capital ratio | 15.2032% | 3,195 |
| Memoranda: | ||
| Average total assets | $287,291,000 | 2,241 |
| Average earning assets | $277,340,400 | 2,163 |
| Average equity | $32,792,400 | 2,255 |
| Average total loans | $219,550,400 | 2,035 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7782% | 2,185 |
| Cost of funding earning assets | 1.1716% | 1,110 |
| Net interest margin | 3.6066% | 3,229 |
| Noninterest income to average assets | 0.2777% | 4,086 |
| Noninterest expense to average assets | 2.2399% | 4,094 |
| Loan and lease loss provision to assets | 0.1083% | 1,795 |
| Net operating income to assets | 1.0880% | 2,623 |
| Return on assets (ROA) | 1.0880% | 2,713 |
| Pretax return on assets | 1.4123% | 2,261 |
| Return on Equity (ROE) | 9.5521% | 2,648 |
| Retained earnings to average equity (ytd only) | 0.8892% | 4,595 |
| Net charge-offs to loans | 0.0031% | 3,306 |
| Credit loss provision to net charge-offs | 4,640.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 651.2579% | 149 |
| Efficiency ratio | 59.5631% | 3,719 |
| Assets per employee ($millions) | 5.0852% | 2,460 |
| Cash dividends to net income (ytd only)* | 90.6909% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 4,121 |
| Loan loss allowance to noncurrent loans | 1,490.3704% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 3,306 |
| Noncurrent loans to loans | 0.0592% | 4,372 |
| Net loans and leases to total assets | 78.0079% | 1,143 |
| Net loans and leases to deposits | 98.9251% | 726 |
| Net loans and leases to core deposits | 107.3952% | 1,092 |
| Total domestic deposits to total assets | 78.8556% | 4,212 |
| Equity capital to assets | 11.4328% | 2,708 |
| Core capital (leverage) ratio | 11.0514% | 2,600 |
| Tier 1 risk-based capital ratio | 14.4042% | 3,138 |
| Total risk-based capital ratio | 15.2898% | 3,218 |
| Memoranda: | ||
| Average total assets | $285,663,250 | 2,260 |
| Average earning assets | $275,854,750 | 2,186 |
| Average equity | $32,536,500 | 2,279 |
| Average total loans | $215,762,500 | 2,069 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6622% | 2,472 |
| Cost of funding earning assets | 1.1403% | 1,162 |
| Net interest margin | 3.5219% | 3,524 |
| Noninterest income to average assets | 0.2702% | 4,128 |
| Noninterest expense to average assets | 2.2493% | 4,127 |
| Loan and lease loss provision to assets | 0.0950% | 1,953 |
| Net operating income to assets | 1.0265% | 2,817 |
| Return on assets (ROA) | 1.0265% | 2,899 |
| Pretax return on assets | 1.3312% | 2,437 |
| Return on Equity (ROE) | 9.0241% | 2,842 |
| Retained earnings to average equity (ytd only) | -4.0513% | 5,016 |
| Net charge-offs to loans | 0.0047% | 2,996 |
| Credit loss provision to net charge-offs | 2,700.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 405.4000% | 191 |
| Efficiency ratio | 61.1983% | 3,557 |
| Assets per employee ($millions) | 5.2916% | 2,162 |
| Cash dividends to net income (ytd only)* | 144.8938% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 4,209 |
| Loan loss allowance to noncurrent loans | 31,916.6667% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 3,553 |
| Noncurrent loans to loans | 0.0027% | 4,726 |
| Net loans and leases to total assets | 72.5927% | 2,135 |
| Net loans and leases to deposits | 93.2747% | 1,342 |
| Net loans and leases to core deposits | 101.3399% | 1,611 |
| Total domestic deposits to total assets | 77.8267% | 4,432 |
| Equity capital to assets | 10.6515% | 3,384 |
| Core capital (leverage) ratio | 11.1045% | 2,500 |
| Tier 1 risk-based capital ratio | 14.5131% | 3,062 |
| Total risk-based capital ratio | 15.3856% | 3,166 |
| Memoranda: | ||
| Average total assets | $284,264,670 | 2,269 |
| Average earning assets | $274,848,670 | 2,189 |
| Average equity | $32,335,670 | 2,282 |
| Average total loans | $211,641,670 | 2,104 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6435% | 2,402 |
| Cost of funding earning assets | 1.1116% | 1,148 |
| Net interest margin | 3.5319% | 3,491 |
| Noninterest income to average assets | 0.2642% | 4,115 |
| Noninterest expense to average assets | 2.2468% | 4,155 |
| Loan and lease loss provision to assets | 0.0798% | 2,100 |
| Net operating income to assets | 1.0392% | 2,697 |
| Return on assets (ROA) | 1.0392% | 2,739 |
| Pretax return on assets | 1.3455% | 2,273 |
| Return on Equity (ROE) | 8.8286% | 2,882 |
| Retained earnings to average equity (ytd only) | 8.8286% | 1,378 |
| Net charge-offs to loans | 0.0058% | 2,495 |
| Credit loss provision to net charge-offs | 1,833.3333% | 231 |
| Earnings coverage of net charge-offs (x) | 327.3333% | 247 |
| Efficiency ratio | 61.1858% | 3,652 |
| Assets per employee ($millions) | 5.0444% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8785% | 4,248 |
| Loan loss allowance to noncurrent loans | 26,242.8571% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 3,522 |
| Noncurrent loans to loans | 0.0033% | 4,794 |
| Net loans and leases to total assets | 73.3744% | 1,917 |
| Net loans and leases to deposits | 92.8285% | 1,303 |
| Net loans and leases to core deposits | 100.7133% | 1,554 |
| Total domestic deposits to total assets | 79.0430% | 4,341 |
| Equity capital to assets | 11.7078% | 2,226 |
| Core capital (leverage) ratio | 11.8070% | 1,903 |
| Tier 1 risk-based capital ratio | 15.8231% | 2,520 |
| Total risk-based capital ratio | 16.6980% | 2,586 |
| Memoranda: | ||
| Average total assets | $275,587,000 | 2,336 |
| Average earning assets | $265,920,000 | 2,272 |
| Average equity | $32,440,000 | 2,277 |
| Average total loans | $207,028,000 | 2,159 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3572% | 2,904 |
| Cost of funding earning assets | 0.7771% | 1,649 |
| Net interest margin | 3.5801% | 3,450 |
| Noninterest income to average assets | 0.3158% | 4,006 |
| Noninterest expense to average assets | 2.3952% | 3,891 |
| Loan and lease loss provision to assets | 0.0672% | 2,808 |
| Net operating income to assets | 1.0187% | 2,932 |
| Return on assets (ROA) | 1.0187% | 2,916 |
| Pretax return on assets | 1.3104% | 2,460 |
| Return on Equity (ROE) | 8.8495% | 3,065 |
| Retained earnings to average equity (ytd only) | 3.7397% | 3,518 |
| Net charge-offs to loans | 0.0041% | 3,579 |
| Credit loss provision to net charge-offs | 2,262.5000% | 201 |
| Earnings coverage of net charge-offs (x) | 464.0000% | 223 |
| Efficiency ratio | 63.4861% | 3,267 |
| Assets per employee ($millions) | 4.9757% | 2,536 |
| Cash dividends to net income (ytd only)* | 57.7413% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8710% | 4,295 |
| Loan loss allowance to noncurrent loans | 89,250.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 3,448 |
| Noncurrent loans to loans | 0.0010% | 4,831 |
| Net loans and leases to total assets | 75.6124% | 1,673 |
| Net loans and leases to deposits | 94.2073% | 1,253 |
| Net loans and leases to core deposits | 107.7440% | 1,135 |
| Total domestic deposits to total assets | 80.2617% | 4,052 |
| Equity capital to assets | 11.8380% | 2,005 |
| Core capital (leverage) ratio | 11.9441% | 1,776 |
| Tier 1 risk-based capital ratio | 15.6423% | 2,559 |
| Total risk-based capital ratio | 16.5012% | 2,654 |
| Memoranda: | ||
| Average total assets | $269,453,200 | 2,339 |
| Average earning assets | $260,190,000 | 2,266 |
| Average equity | $31,018,600 | 2,284 |
| Average total loans | $193,214,800 | 2,223 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 3,135 |
| Cost of funding earning assets | 0.7277% | 1,702 |
| Net interest margin | 3.5264% | 3,611 |
| Noninterest income to average assets | 0.3234% | 3,982 |
| Noninterest expense to average assets | 2.3532% | 3,969 |
| Loan and lease loss provision to assets | 0.0672% | 2,636 |
| Net operating income to assets | 1.0087% | 3,047 |
| Return on assets (ROA) | 1.0087% | 3,060 |
| Pretax return on assets | 1.3103% | 2,581 |
| Return on Equity (ROE) | 8.8248% | 3,172 |
| Retained earnings to average equity (ytd only) | 1.9683% | 4,591 |
| Net charge-offs to loans | 0.0049% | 3,266 |
| Credit loss provision to net charge-offs | 1,942.8571% | 217 |
| Earnings coverage of net charge-offs (x) | 398.1318% | 235 |
| Efficiency ratio | 63.0749% | 3,321 |
| Assets per employee ($millions) | 4.9467% | 2,537 |
| Cash dividends to net income (ytd only)* | 77.6961% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8659% | 4,383 |
| Loan loss allowance to noncurrent loans | 34,820.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 3,541 |
| Noncurrent loans to loans | 0.0025% | 4,941 |
| Net loans and leases to total assets | 74.6182% | 1,885 |
| Net loans and leases to deposits | 93.3513% | 1,458 |
| Net loans and leases to core deposits | 106.4880% | 1,271 |
| Total domestic deposits to total assets | 79.9327% | 4,138 |
| Equity capital to assets | 11.5034% | 2,259 |
| Core capital (leverage) ratio | 11.7578% | 1,952 |
| Tier 1 risk-based capital ratio | 15.4494% | 2,672 |
| Total risk-based capital ratio | 16.2951% | 2,787 |
| Memoranda: | ||
| Average total assets | $269,645,000 | 2,345 |
| Average earning assets | $260,543,500 | 2,268 |
| Average equity | $30,821,500 | 2,295 |
| Average total loans | $190,282,250 | 2,255 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1603% | 3,238 |
| Cost of funding earning assets | 0.6842% | 1,718 |
| Net interest margin | 3.4761% | 3,714 |
| Noninterest income to average assets | 0.3320% | 3,963 |
| Noninterest expense to average assets | 2.2308% | 4,298 |
| Loan and lease loss provision to assets | 0.0518% | 2,880 |
| Net operating income to assets | 1.0832% | 2,652 |
| Return on assets (ROA) | 1.0832% | 2,659 |
| Pretax return on assets | 1.4041% | 2,130 |
| Return on Equity (ROE) | 9.4967% | 2,806 |
| Retained earnings to average equity (ytd only) | -0.7779% | 5,055 |
| Net charge-offs to loans | 0.0064% | 2,912 |
| Credit loss provision to net charge-offs | 1,166.6667% | 360 |
| Earnings coverage of net charge-offs (x) | 328.1667% | 280 |
| Efficiency ratio | 60.5094% | 3,857 |
| Assets per employee ($millions) | 4.8082% | 2,670 |
| Cash dividends to net income (ytd only)* | 108.1911% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 4,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 3,640 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 69.3070% | 2,676 |
| Net loans and leases to deposits | 86.8534% | 2,238 |
| Net loans and leases to core deposits | 97.9956% | 1,894 |
| Total domestic deposits to total assets | 79.7977% | 4,281 |
| Equity capital to assets | 11.2584% | 2,397 |
| Core capital (leverage) ratio | 11.6329% | 1,955 |
| Tier 1 risk-based capital ratio | 16.0466% | 2,421 |
| Total risk-based capital ratio | 16.9078% | 2,512 |
| Memoranda: | ||
| Average total assets | $270,486,330 | 2,348 |
| Average earning assets | $261,040,670 | 2,268 |
| Average equity | $30,852,670 | 2,295 |
| Average total loans | $186,689,000 | 2,291 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1367% | 3,099 |
| Cost of funding earning assets | 0.6388% | 1,783 |
| Net interest margin | 3.4979% | 3,545 |
| Noninterest income to average assets | 0.2877% | 4,247 |
| Noninterest expense to average assets | 2.3386% | 4,087 |
| Loan and lease loss provision to assets | 0.1033% | 1,796 |
| Net operating income to assets | 0.9458% | 3,088 |
| Return on assets (ROA) | 0.9458% | 3,106 |
| Pretax return on assets | 1.2232% | 2,668 |
| Return on Equity (ROE) | 8.2385% | 3,279 |
| Retained earnings to average equity (ytd only) | 8.2385% | 1,754 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8084% | 3,506 |
| Assets per employee ($millions) | 4.9321% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8817% | 4,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 3,610 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 69.7075% | 2,529 |
| Net loans and leases to deposits | 87.8134% | 1,953 |
| Net loans and leases to core deposits | 99.0145% | 1,762 |
| Total domestic deposits to total assets | 79.3814% | 4,513 |
| Equity capital to assets | 11.4829% | 2,150 |
| Core capital (leverage) ratio | 11.9378% | 1,690 |
| Tier 1 risk-based capital ratio | 16.2820% | 2,364 |
| Total risk-based capital ratio | 17.1381% | 2,459 |
| Memoranda: | ||
| Average total assets | $271,101,000 | 2,362 |
| Average earning assets | $261,754,000 | 2,288 |
| Average equity | $31,122,000 | 2,295 |
| Average total loans | $185,888,500 | 2,315 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7550% | 4,205 |
| Cost of funding earning assets | 0.5932% | 1,651 |
| Net interest margin | 3.1619% | 4,547 |
| Noninterest income to average assets | 0.2883% | 4,401 |
| Noninterest expense to average assets | 2.2068% | 4,515 |
| Loan and lease loss provision to assets | 0.0038% | 4,173 |
| Net operating income to assets | 0.7727% | 3,289 |
| Return on assets (ROA) | 0.7727% | 3,329 |
| Pretax return on assets | 1.1327% | 3,047 |
| Return on Equity (ROE) | 6.7295% | 3,420 |
| Retained earnings to average equity (ytd only) | 5.0930% | 2,069 |
| Net charge-offs to loans | 0.0042% | 3,944 |
| Credit loss provision to net charge-offs | 142.8571% | 1,853 |
| Earnings coverage of net charge-offs (x) | 432.0000% | 197 |
| Efficiency ratio | 66.0072% | 3,261 |
| Assets per employee ($millions) | 4.8382% | 2,687 |
| Cash dividends to net income (ytd only)* | 24.3191% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 4,522 |
| Loan loss allowance to noncurrent loans | 2,336.2319% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 3,490 |
| Noncurrent loans to loans | 0.0381% | 4,840 |
| Net loans and leases to total assets | 66.2113% | 3,076 |
| Net loans and leases to deposits | 89.2519% | 1,863 |
| Net loans and leases to core deposits | 101.5494% | 1,583 |
| Total domestic deposits to total assets | 74.1848% | 5,166 |
| Equity capital to assets | 11.4768% | 2,219 |
| Core capital (leverage) ratio | 11.6809% | 1,808 |
| Tier 1 risk-based capital ratio | 16.7371% | 2,179 |
| Total risk-based capital ratio | 17.5978% | 2,254 |
| Memoranda: | ||
| Average total assets | $266,083,000 | 2,366 |
| Average earning assets | $257,096,000 | 2,301 |
| Average equity | $30,552,000 | 2,321 |
| Average total loans | $165,670,800 | 2,468 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 4,301 |
| Cost of funding earning assets | 0.6168% | 1,421 |
| Net interest margin | 3.0915% | 4,736 |
| Noninterest income to average assets | 0.2854% | 4,485 |
| Noninterest expense to average assets | 2.1525% | 4,631 |
| Loan and lease loss provision to assets | 0.0050% | 4,021 |
| Net operating income to assets | 0.7631% | 3,677 |
| Return on assets (ROA) | 0.7631% | 3,738 |
| Pretax return on assets | 1.1150% | 3,249 |
| Return on Equity (ROE) | 6.6454% | 3,841 |
| Retained earnings to average equity (ytd only) | 4.4536% | 3,248 |
| Net charge-offs to loans | 0.0041% | 3,589 |
| Credit loss provision to net charge-offs | 200.0000% | 1,340 |
| Earnings coverage of net charge-offs (x) | 444.7661% | 220 |
| Efficiency ratio | 65.7745% | 3,255 |
| Assets per employee ($millions) | 5.0181% | 2,424 |
| Cash dividends to net income (ytd only)* | 32.9816% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 4,356 |
| Loan loss allowance to noncurrent loans | 1,921.4286% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 3,609 |
| Noncurrent loans to loans | 0.0491% | 4,890 |
| Net loans and leases to total assets | 63.7516% | 3,444 |
| Net loans and leases to deposits | 83.4603% | 2,616 |
| Net loans and leases to core deposits | 94.8787% | 2,182 |
| Total domestic deposits to total assets | 76.3855% | 4,974 |
| Equity capital to assets | 11.6627% | 2,220 |
| Core capital (leverage) ratio | 11.3192% | 2,169 |
| Tier 1 risk-based capital ratio | 18.1338% | 1,822 |
| Total risk-based capital ratio | 19.0929% | 1,846 |
| Memoranda: | ||
| Average total assets | $264,869,500 | 2,394 |
| Average earning assets | $255,923,500 | 2,321 |
| Average equity | $30,416,250 | 2,350 |
| Average total loans | $161,837,750 | 2,537 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6402% | 4,394 |
| Cost of funding earning assets | 0.6121% | 1,377 |
| Net interest margin | 3.0282% | 4,846 |
| Noninterest income to average assets | 0.2737% | 4,588 |
| Noninterest expense to average assets | 2.1391% | 4,694 |
| Loan and lease loss provision to assets | 0.0076% | 3,778 |
| Net operating income to assets | 0.7251% | 3,737 |
| Return on assets (ROA) | 0.7251% | 3,806 |
| Pretax return on assets | 1.0525% | 3,361 |
| Return on Equity (ROE) | 6.3477% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.3477% | 1,937 |
| Net charge-offs to loans | 0.0063% | 3,231 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 280.4000% | 308 |
| Efficiency ratio | 66.8636% | 3,203 |
| Assets per employee ($millions) | 5.2026% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 4,333 |
| Loan loss allowance to noncurrent loans | 1,754.3478% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 3,711 |
| Noncurrent loans to loans | 0.0552% | 4,911 |
| Net loans and leases to total assets | 60.9724% | 3,747 |
| Net loans and leases to deposits | 80.4568% | 2,861 |
| Net loans and leases to core deposits | 91.0728% | 2,419 |
| Total domestic deposits to total assets | 75.7827% | 5,117 |
| Equity capital to assets | 11.4529% | 2,361 |
| Core capital (leverage) ratio | 11.4442% | 2,005 |
| Tier 1 risk-based capital ratio | 18.1044% | 1,824 |
| Total risk-based capital ratio | 19.0560% | 1,872 |
| Memoranda: | ||
| Average total assets | $264,506,330 | 2,410 |
| Average earning assets | $255,532,330 | 2,336 |
| Average equity | $30,215,670 | 2,358 |
| Average total loans | $158,728,000 | 2,583 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6762% | 4,181 |
| Cost of funding earning assets | 0.5889% | 1,448 |
| Net interest margin | 3.0872% | 4,688 |
| Noninterest income to average assets | 0.2662% | 4,640 |
| Noninterest expense to average assets | 2.1966% | 4,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7281% | 3,572 |
| Return on assets (ROA) | 0.7281% | 3,621 |
| Pretax return on assets | 1.0524% | 3,164 |
| Return on Equity (ROE) | 6.3825% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.3825% | 2,146 |
| Net charge-offs to loans | 0.0026% | 2,879 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 688.0000% | 75 |
| Efficiency ratio | 67.6083% | 3,266 |
| Assets per employee ($millions) | 5.1370% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 4,268 |
| Loan loss allowance to noncurrent loans | 714.6667% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.4066% | 3,565 |
| Noncurrent loans to loans | 0.1402% | 4,634 |
| Net loans and leases to total assets | 59.4918% | 3,836 |
| Net loans and leases to deposits | 79.3902% | 2,824 |
| Net loans and leases to core deposits | 89.4964% | 2,397 |
| Total domestic deposits to total assets | 74.9360% | 5,337 |
| Equity capital to assets | 11.3011% | 2,352 |
| Core capital (leverage) ratio | 11.3510% | 2,062 |
| Tier 1 risk-based capital ratio | 18.4375% | 1,758 |
| Total risk-based capital ratio | 19.4185% | 1,786 |
| Memoranda: | ||
| Average total assets | $261,492,500 | 2,457 |
| Average earning assets | $252,653,500 | 2,377 |
| Average equity | $29,831,500 | 2,396 |
| Average total loans | $154,809,500 | 2,640 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4067% | 4,967 |
| Cost of funding earning assets | 0.5460% | 1,728 |
| Net interest margin | 2.8607% | 5,197 |
| Noninterest income to average assets | 0.2415% | 4,977 |
| Noninterest expense to average assets | 2.1875% | 4,803 |
| Loan and lease loss provision to assets | -0.2922% | 5,840 |
| Net operating income to assets | 0.7419% | 3,579 |
| Return on assets (ROA) | 0.8098% | 3,367 |
| Pretax return on assets | 1.2029% | 2,661 |
| Return on Equity (ROE) | 6.9747% | 3,481 |
| Retained earnings to average equity (ytd only) | 3.3994% | 3,505 |
| Net charge-offs to loans | 0.0640% | 2,782 |
| Credit loss provision to net charge-offs | -783.1579% | 5,261 |
| Earnings coverage of net charge-offs (x) | 21.6947% | 1,773 |
| Efficiency ratio | 72.9917% | 2,429 |
| Assets per employee ($millions) | 4.6520% | 2,873 |
| Cash dividends to net income (ytd only)* | 51.2609% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,832 |
| Loan loss allowance to noncurrent loans | 1,503.7383% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 3,758 |
| Noncurrent loans to loans | 0.0718% | 4,950 |
| Net loans and leases to total assets | 57.6426% | 4,103 |
| Net loans and leases to deposits | 76.7815% | 3,228 |
| Net loans and leases to core deposits | 86.1101% | 2,837 |
| Total domestic deposits to total assets | 75.0736% | 5,346 |
| Equity capital to assets | 11.5199% | 2,148 |
| Core capital (leverage) ratio | 11.6246% | 1,843 |
| Tier 1 risk-based capital ratio | 19.0588% | 1,583 |
| Total risk-based capital ratio | 20.0897% | 1,602 |
| Memoranda: | ||
| Average total assets | $254,624,800 | 2,468 |
| Average earning assets | $245,251,200 | 2,396 |
| Average equity | $29,564,200 | 2,386 |
| Average total loans | $148,371,600 | 2,665 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3920% | 5,041 |
| Cost of funding earning assets | 0.5432% | 1,767 |
| Net interest margin | 2.8488% | 5,271 |
| Noninterest income to average assets | 0.1772% | 5,390 |
| Noninterest expense to average assets | 2.1537% | 4,885 |
| Loan and lease loss provision to assets | -0.3932% | 5,933 |
| Net operating income to assets | 0.7749% | 3,484 |
| Return on assets (ROA) | 0.8656% | 3,198 |
| Pretax return on assets | 1.2960% | 2,444 |
| Return on Equity (ROE) | 7.4402% | 3,332 |
| Retained earnings to average equity (ytd only) | 2.6768% | 4,306 |
| Net charge-offs to loans | 0.0819% | 2,150 |
| Credit loss provision to net charge-offs | -824.1758% | 5,179 |
| Earnings coverage of net charge-offs (x) | 16.0879% | 2,141 |
| Efficiency ratio | 73.7258% | 2,339 |
| Assets per employee ($millions) | 4.6443% | 2,848 |
| Cash dividends to net income (ytd only)* | 64.0218% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 3,922 |
| Loan loss allowance to noncurrent loans | 1,339.1667% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.3912% | 3,856 |
| Noncurrent loans to loans | 0.0809% | 5,028 |
| Net loans and leases to total assets | 58.4767% | 4,051 |
| Net loans and leases to deposits | 84.8497% | 2,388 |
| Net loans and leases to core deposits | 88.6230% | 2,699 |
| Total domestic deposits to total assets | 68.9179% | 5,741 |
| Equity capital to assets | 11.9975% | 2,118 |
| Core capital (leverage) ratio | 11.3325% | 2,168 |
| Tier 1 risk-based capital ratio | 18.9500% | 1,683 |
| Total risk-based capital ratio | 19.9881% | 1,693 |
| Memoranda: | ||
| Average total assets | $254,315,750 | 2,479 |
| Average earning assets | $244,963,250 | 2,409 |
| Average equity | $29,586,500 | 2,395 |
| Average total loans | $148,191,000 | 2,670 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3733% | 5,140 |
| Cost of funding earning assets | 0.5347% | 1,827 |
| Net interest margin | 2.8386% | 5,366 |
| Noninterest income to average assets | 0.1292% | 5,673 |
| Noninterest expense to average assets | 2.0925% | 5,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5234% | 4,592 |
| Return on assets (ROA) | 0.6607% | 4,138 |
| Pretax return on assets | 0.9730% | 3,691 |
| Return on Equity (ROE) | 5.7378% | 4,172 |
| Retained earnings to average equity (ytd only) | -1.4480% | 5,486 |
| Net charge-offs to loans | 0.1120% | 1,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.8675% | 2,224 |
| Efficiency ratio | 73.0727% | 2,503 |
| Assets per employee ($millions) | 4.5912% | 2,877 |
| Cash dividends to net income (ytd only)* | 125.2370% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5959% | 1,538 |
| Loan loss allowance to noncurrent loans | 927.4510% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 3,774 |
| Noncurrent loans to loans | 0.1721% | 4,746 |
| Net loans and leases to total assets | 56.7200% | 4,231 |
| Net loans and leases to deposits | 80.5549% | 2,867 |
| Net loans and leases to core deposits | 83.9624% | 3,087 |
| Total domestic deposits to total assets | 70.4115% | 5,763 |
| Equity capital to assets | 11.4178% | 2,628 |
| Core capital (leverage) ratio | 11.1290% | 2,299 |
| Tier 1 risk-based capital ratio | 18.3826% | 1,832 |
| Total risk-based capital ratio | 19.6358% | 1,791 |
| Memoranda: | ||
| Average total assets | $255,489,670 | 2,483 |
| Average earning assets | $246,108,330 | 2,416 |
| Average equity | $29,419,000 | 2,404 |
| Average total loans | $148,167,000 | 2,676 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3978% | 5,136 |
| Cost of funding earning assets | 0.5369% | 1,814 |
| Net interest margin | 2.8608% | 5,383 |
| Noninterest income to average assets | 0.0047% | 6,059 |
| Noninterest expense to average assets | 2.1093% | 5,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4387% | 4,868 |
| Return on assets (ROA) | 0.6801% | 3,935 |
| Pretax return on assets | 1.0036% | 3,467 |
| Return on Equity (ROE) | 5.8811% | 4,040 |
| Retained earnings to average equity (ytd only) | 5.8811% | 2,429 |
| Net charge-offs to loans | 0.2646% | 790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.2143% | 2,455 |
| Efficiency ratio | 76.4806% | 2,110 |
| Assets per employee ($millions) | 4.9716% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 1,635 |
| Loan loss allowance to noncurrent loans | 1,942.1488% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.4580% | 3,761 |
| Noncurrent loans to loans | 0.0818% | 5,155 |
| Net loans and leases to total assets | 56.3153% | 4,219 |
| Net loans and leases to deposits | 80.1545% | 2,771 |
| Net loans and leases to core deposits | 83.5291% | 2,973 |
| Total domestic deposits to total assets | 70.2585% | 5,854 |
| Equity capital to assets | 11.5089% | 2,432 |
| Core capital (leverage) ratio | 11.3417% | 2,103 |
| Tier 1 risk-based capital ratio | 19.1030% | 1,709 |
| Total risk-based capital ratio | 20.3562% | 1,671 |
| Memoranda: | ||
| Average total assets | $254,681,000 | 2,503 |
| Average earning assets | $245,102,000 | 2,426 |
| Average equity | $29,450,500 | 2,407 |
| Average total loans | $148,152,500 | 2,680 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4133% | 5,125 |
| Cost of funding earning assets | 0.5176% | 2,013 |
| Net interest margin | 2.8957% | 5,342 |
| Noninterest income to average assets | 0.0204% | 6,066 |
| Noninterest expense to average assets | 1.9917% | 5,470 |
| Loan and lease loss provision to assets | 0.0599% | 3,108 |
| Net operating income to assets | 0.5198% | 4,618 |
| Return on assets (ROA) | 0.5198% | 4,698 |
| Pretax return on assets | 0.7405% | 4,400 |
| Return on Equity (ROE) | 4.5583% | 4,714 |
| Retained earnings to average equity (ytd only) | 4.5583% | 2,734 |
| Net charge-offs to loans | 0.0520% | 3,160 |
| Credit loss provision to net charge-offs | 200.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 26.7333% | 1,574 |
| Efficiency ratio | 71.3326% | 3,010 |
| Assets per employee ($millions) | 5.0168% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 1,472 |
| Loan loss allowance to noncurrent loans | 1,990.2439% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 3,379 |
| Noncurrent loans to loans | 0.0829% | 5,169 |
| Net loans and leases to total assets | 58.1723% | 4,060 |
| Net loans and leases to deposits | 82.9242% | 2,483 |
| Net loans and leases to core deposits | 86.5352% | 2,751 |
| Total domestic deposits to total assets | 70.1512% | 5,889 |
| Equity capital to assets | 11.6201% | 2,263 |
| Core capital (leverage) ratio | 11.3787% | 2,061 |
| Tier 1 risk-based capital ratio | 18.5651% | 1,816 |
| Total risk-based capital ratio | 19.8189% | 1,759 |
| Memoranda: | ||
| Average total assets | $250,495,200 | 2,503 |
| Average earning assets | $239,769,800 | 2,429 |
| Average equity | $28,563,400 | 2,417 |
| Average total loans | $144,298,600 | 2,679 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3965% | 5,213 |
| Cost of funding earning assets | 0.5177% | 2,060 |
| Net interest margin | 2.8787% | 5,449 |
| Noninterest income to average assets | -0.0612% | 6,223 |
| Noninterest expense to average assets | 1.9908% | 5,493 |
| Loan and lease loss provision to assets | 0.0799% | 2,573 |
| Net operating income to assets | 0.4419% | 4,999 |
| Return on assets (ROA) | 0.4419% | 5,092 |
| Pretax return on assets | 0.6214% | 4,920 |
| Return on Equity (ROE) | 3.8943% | 5,067 |
| Retained earnings to average equity (ytd only) | 3.8943% | 3,700 |
| Net charge-offs to loans | 0.0819% | 2,378 |
| Credit loss provision to net charge-offs | 170.4545% | 1,527 |
| Earnings coverage of net charge-offs (x) | 14.9660% | 2,214 |
| Efficiency ratio | 73.9517% | 2,564 |
| Assets per employee ($millions) | 5.0063% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6778% | 1,524 |
| Loan loss allowance to noncurrent loans | 1,493.8650% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 3,638 |
| Noncurrent loans to loans | 0.1123% | 5,182 |
| Net loans and leases to total assets | 57.0058% | 4,245 |
| Net loans and leases to deposits | 80.7582% | 2,793 |
| Net loans and leases to core deposits | 84.1292% | 3,024 |
| Total domestic deposits to total assets | 70.5883% | 5,946 |
| Equity capital to assets | 11.5415% | 2,470 |
| Core capital (leverage) ratio | 11.0867% | 2,398 |
| Tier 1 risk-based capital ratio | 18.3648% | 1,935 |
| Total risk-based capital ratio | 19.6185% | 1,895 |
| Memoranda: | ||
| Average total assets | $250,408,750 | 2,527 |
| Average earning assets | $239,497,250 | 2,443 |
| Average equity | $28,417,250 | 2,441 |
| Average total loans | $143,281,250 | 2,708 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4136% | 5,199 |
| Cost of funding earning assets | 0.5180% | 2,082 |
| Net interest margin | 2.8956% | 5,452 |
| Noninterest income to average assets | 0.1549% | 5,780 |
| Noninterest expense to average assets | 1.9781% | 5,566 |
| Loan and lease loss provision to assets | 0.1198% | 1,846 |
| Net operating income to assets | 0.5678% | 4,485 |
| Return on assets (ROA) | 0.5678% | 4,586 |
| Pretax return on assets | 0.8202% | 4,253 |
| Return on Equity (ROE) | 5.0319% | 4,601 |
| Retained earnings to average equity (ytd only) | 5.0319% | 2,843 |
| Net charge-offs to loans | 0.1402% | 1,663 |
| Credit loss provision to net charge-offs | 150.0000% | 1,529 |
| Earnings coverage of net charge-offs (x) | 11.7700% | 2,261 |
| Efficiency ratio | 67.7887% | 3,700 |
| Assets per employee ($millions) | 5.1773% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6652% | 1,700 |
| Loan loss allowance to noncurrent loans | 1,486.5031% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.8920% | 2,759 |
| Noncurrent loans to loans | 0.1120% | 5,307 |
| Net loans and leases to total assets | 56.4018% | 4,297 |
| Net loans and leases to deposits | 79.6141% | 2,841 |
| Net loans and leases to core deposits | 83.0127% | 3,079 |
| Total domestic deposits to total assets | 70.8440% | 5,995 |
| Equity capital to assets | 11.2501% | 2,617 |
| Core capital (leverage) ratio | 11.0205% | 2,400 |
| Tier 1 risk-based capital ratio | 17.9187% | 2,084 |
| Total risk-based capital ratio | 19.1720% | 2,043 |
| Memoranda: | ||
| Average total assets | $250,440,000 | 2,550 |
| Average earning assets | $238,983,000 | 2,468 |
| Average equity | $28,259,670 | 2,463 |
| Average total loans | $142,665,330 | 2,722 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4306% | 5,142 |
| Cost of funding earning assets | 0.5205% | 2,106 |
| Net interest margin | 2.9101% | 5,433 |
| Noninterest income to average assets | 0.1013% | 6,076 |
| Noninterest expense to average assets | 2.0127% | 5,555 |
| Loan and lease loss provision to assets | 0.2411% | 699 |
| Net operating income to assets | 0.4373% | 4,920 |
| Return on assets (ROA) | 0.4373% | 5,041 |
| Pretax return on assets | 0.6157% | 4,874 |
| Return on Equity (ROE) | 3.8692% | 5,030 |
| Retained earnings to average equity (ytd only) | 3.8692% | 3,679 |
| Net charge-offs to loans | 0.1586% | 1,315 |
| Credit loss provision to net charge-offs | 267.8571% | 884 |
| Earnings coverage of net charge-offs (x) | 9.5179% | 2,002 |
| Efficiency ratio | 70.1401% | 3,465 |
| Assets per employee ($millions) | 5.2691% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 1,732 |
| Loan loss allowance to noncurrent loans | 1,054.2735% | 512 |
| Noncurrent assets plus other real estate owned to assets | 1.0140% | 2,594 |
| Noncurrent loans to loans | 0.1615% | 5,193 |
| Net loans and leases to total assets | 55.1780% | 4,295 |
| Net loans and leases to deposits | 77.2702% | 2,915 |
| Net loans and leases to core deposits | 80.4494% | 3,111 |
| Total domestic deposits to total assets | 71.4092% | 6,065 |
| Equity capital to assets | 11.0075% | 2,961 |
| Core capital (leverage) ratio | 10.8988% | 2,516 |
| Tier 1 risk-based capital ratio | 17.7279% | 2,226 |
| Total risk-based capital ratio | 18.9818% | 2,189 |
| Memoranda: | ||
| Average total assets | $248,816,500 | 2,569 |
| Average earning assets | $236,691,000 | 2,501 |
| Average equity | $28,119,500 | 2,495 |
| Average total loans | $141,244,500 | 2,743 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4123% | 5,506 |
| Cost of funding earning assets | 0.5456% | 2,240 |
| Net interest margin | 2.8667% | 5,702 |
| Noninterest income to average assets | 0.2189% | 5,544 |
| Noninterest expense to average assets | 2.2586% | 5,218 |
| Loan and lease loss provision to assets | 0.0558% | 3,433 |
| Net operating income to assets | 0.4540% | 4,999 |
| Return on assets (ROA) | 0.4540% | 5,093 |
| Pretax return on assets | 0.6394% | 4,815 |
| Return on Equity (ROE) | 4.0577% | 5,088 |
| Retained earnings to average equity (ytd only) | 4.0577% | 3,318 |
| Net charge-offs to loans | 0.2040% | 2,034 |
| Credit loss provision to net charge-offs | 47.5352% | 3,538 |
| Earnings coverage of net charge-offs (x) | 5.9261% | 3,318 |
| Efficiency ratio | 76.4648% | 2,445 |
| Assets per employee ($millions) | 4.8876% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 1,861 |
| Loan loss allowance to noncurrent loans | 715.8879% | 795 |
| Noncurrent assets plus other real estate owned to assets | 1.3712% | 2,035 |
| Noncurrent loans to loans | 0.2334% | 4,990 |
| Net loans and leases to total assets | 56.4783% | 4,262 |
| Net loans and leases to deposits | 79.5148% | 2,783 |
| Net loans and leases to core deposits | 83.0688% | 2,985 |
| Total domestic deposits to total assets | 71.0287% | 6,142 |
| Equity capital to assets | 11.6355% | 2,313 |
| Core capital (leverage) ratio | 11.2608% | 2,171 |
| Tier 1 risk-based capital ratio | 18.8737% | 1,886 |
| Total risk-based capital ratio | 20.1276% | 1,846 |
| Memoranda: | ||
| Average total assets | $242,092,200 | 2,599 |
| Average earning assets | $230,958,800 | 2,510 |
| Average equity | $27,084,200 | 2,483 |
| Average total loans | $139,183,200 | 2,721 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4106% | 5,578 |
| Cost of funding earning assets | 0.5468% | 2,323 |
| Net interest margin | 2.8639% | 5,774 |
| Noninterest income to average assets | 0.2422% | 5,473 |
| Noninterest expense to average assets | 2.1322% | 5,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5839% | 4,518 |
| Return on assets (ROA) | 0.5839% | 4,602 |
| Pretax return on assets | 0.8459% | 4,199 |
| Return on Equity (ROE) | 5.2710% | 4,595 |
| Retained earnings to average equity (ytd only) | 5.2710% | 2,905 |
| Net charge-offs to loans | -0.0067% | 5,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5972% | 3,250 |
| Assets per employee ($millions) | 4.8506% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7474% | 1,833 |
| Loan loss allowance to noncurrent loans | 95.0426% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.7844% | 1,676 |
| Noncurrent loans to loans | 1.8385% | 1,743 |
| Net loans and leases to total assets | 58.0553% | 4,059 |
| Net loans and leases to deposits | 76.5128% | 3,129 |
| Net loans and leases to core deposits | 79.6840% | 3,350 |
| Total domestic deposits to total assets | 75.8765% | 5,836 |
| Equity capital to assets | 11.6461% | 2,364 |
| Core capital (leverage) ratio | 11.2905% | 2,222 |
| Tier 1 risk-based capital ratio | 18.7264% | 1,978 |
| Total risk-based capital ratio | 19.9816% | 1,944 |
| Memoranda: | ||
| Average total assets | $242,742,250 | 2,607 |
| Average earning assets | $231,896,000 | 2,520 |
| Average equity | $26,888,750 | 2,501 |
| Average total loans | $139,589,250 | 2,738 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3470% | 5,718 |
| Cost of funding earning assets | 0.5457% | 2,383 |
| Net interest margin | 2.8013% | 5,908 |
| Noninterest income to average assets | 0.2365% | 5,507 |
| Noninterest expense to average assets | 2.1339% | 5,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5376% | 4,661 |
| Return on assets (ROA) | 0.5376% | 4,758 |
| Pretax return on assets | 0.7740% | 4,366 |
| Return on Equity (ROE) | 4.9352% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.9352% | 2,999 |
| Net charge-offs to loans | -0.0043% | 5,153 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3821% | 3,093 |
| Assets per employee ($millions) | 4.7371% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7264% | 2,053 |
| Loan loss allowance to noncurrent loans | 86.8794% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.7906% | 1,810 |
| Noncurrent loans to loans | 1.9871% | 1,696 |
| Net loans and leases to total assets | 57.7276% | 4,023 |
| Net loans and leases to deposits | 75.8241% | 3,078 |
| Net loans and leases to core deposits | 78.8989% | 3,330 |
| Total domestic deposits to total assets | 76.1335% | 5,900 |
| Equity capital to assets | 11.2906% | 2,619 |
| Core capital (leverage) ratio | 11.2042% | 2,238 |
| Tier 1 risk-based capital ratio | 18.1785% | 2,175 |
| Total risk-based capital ratio | 19.4335% | 2,143 |
| Memoranda: | ||
| Average total assets | $244,430,670 | 2,596 |
| Average earning assets | $233,107,670 | 2,513 |
| Average equity | $26,625,000 | 2,509 |
| Average total loans | $139,306,330 | 2,742 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3059% | 5,831 |
| Cost of funding earning assets | 0.5476% | 2,441 |
| Net interest margin | 2.7583% | 6,018 |
| Noninterest income to average assets | 0.2262% | 5,544 |
| Noninterest expense to average assets | 2.2355% | 5,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4393% | 4,981 |
| Return on assets (ROA) | 0.4393% | 5,039 |
| Pretax return on assets | 0.6215% | 4,759 |
| Return on Equity (ROE) | 4.1066% | 4,983 |
| Retained earnings to average equity (ytd only) | 4.1066% | 3,659 |
| Net charge-offs to loans | -0.0058% | 4,858 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2460% | 2,443 |
| Assets per employee ($millions) | 4.8786% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8102% | 2,007 |
| Loan loss allowance to noncurrent loans | 94.7022% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.6438% | 2,149 |
| Noncurrent loans to loans | 1.9114% | 1,978 |
| Net loans and leases to total assets | 53.3918% | 4,500 |
| Net loans and leases to deposits | 69.7635% | 3,636 |
| Net loans and leases to core deposits | 72.6212% | 3,806 |
| Total domestic deposits to total assets | 76.5325% | 6,024 |
| Equity capital to assets | 10.6705% | 3,073 |
| Core capital (leverage) ratio | 10.8162% | 2,578 |
| Tier 1 risk-based capital ratio | 18.6246% | 2,087 |
| Total risk-based capital ratio | 19.8801% | 2,046 |
| Memoranda: | ||
| Average total assets | $245,851,000 | 2,592 |
| Average earning assets | $234,492,500 | 2,498 |
| Average equity | $26,299,000 | 2,531 |
| Average total loans | $138,002,500 | 2,764 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4900% | 5,664 |
| Cost of funding earning assets | 0.5981% | 2,677 |
| Net interest margin | 2.8919% | 5,802 |
| Noninterest income to average assets | 0.2042% | 5,859 |
| Noninterest expense to average assets | 2.1347% | 5,760 |
| Loan and lease loss provision to assets | 0.9753% | 187 |
| Net operating income to assets | -0.1414% | 6,336 |
| Return on assets (ROA) | 0.1491% | 6,010 |
| Pretax return on assets | 0.1380% | 6,033 |
| Return on Equity (ROE) | 1.3188% | 6,021 |
| Retained earnings to average equity (ytd only) | 1.3188% | 5,233 |
| Net charge-offs to loans | 2.6551% | 103 |
| Credit loss provision to net charge-offs | 61.7862% | 3,509 |
| Earnings coverage of net charge-offs (x) | 0.5212% | 4,906 |
| Efficiency ratio | 72.1797% | 3,444 |
| Assets per employee ($millions) | 4.8579% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7390% | 2,271 |
| Loan loss allowance to noncurrent loans | 94.1154% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.6896% | 2,181 |
| Noncurrent loans to loans | 1.8477% | 2,176 |
| Net loans and leases to total assets | 56.9244% | 4,201 |
| Net loans and leases to deposits | 75.1507% | 3,075 |
| Net loans and leases to core deposits | 78.4515% | 3,304 |
| Total domestic deposits to total assets | 75.7470% | 6,116 |
| Equity capital to assets | 10.7244% | 2,907 |
| Core capital (leverage) ratio | 10.8224% | 2,553 |
| Tier 1 risk-based capital ratio | 17.7368% | 2,323 |
| Total risk-based capital ratio | 18.9917% | 2,301 |
| Memoranda: | ||
| Average total assets | $234,080,200 | 2,677 |
| Average earning assets | $222,863,000 | 2,586 |
| Average equity | $26,462,800 | 2,508 |
| Average total loans | $139,166,200 | 2,719 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5107% | 5,662 |
| Cost of funding earning assets | 0.6069% | 2,754 |
| Net interest margin | 2.9038% | 5,807 |
| Noninterest income to average assets | 0.1926% | 6,021 |
| Noninterest expense to average assets | 2.1039% | 5,820 |
| Loan and lease loss provision to assets | 1.3127% | 103 |
| Net operating income to assets | -0.2261% | 6,483 |
| Return on assets (ROA) | 0.0242% | 6,322 |
| Pretax return on assets | -0.0679% | 6,374 |
| Return on Equity (ROE) | 0.2108% | 6,322 |
| Retained earnings to average equity (ytd only) | 0.2108% | 5,873 |
| Net charge-offs to loans | 3.5653% | 54 |
| Credit loss provision to net charge-offs | 61.5198% | 3,265 |
| Earnings coverage of net charge-offs (x) | 0.4002% | 4,727 |
| Efficiency ratio | 71.1314% | 3,582 |
| Assets per employee ($millions) | 4.8622% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7669% | 2,404 |
| Loan loss allowance to noncurrent loans | 72.1579% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 2.0508% | 1,968 |
| Noncurrent loans to loans | 2.4486% | 1,781 |
| Net loans and leases to total assets | 56.7300% | 4,217 |
| Net loans and leases to deposits | 73.4850% | 3,318 |
| Net loans and leases to core deposits | 76.9767% | 3,503 |
| Total domestic deposits to total assets | 77.1994% | 6,023 |
| Equity capital to assets | 10.9012% | 2,858 |
| Core capital (leverage) ratio | 10.7567% | 2,717 |
| Tier 1 risk-based capital ratio | 18.1243% | 2,274 |
| Total risk-based capital ratio | 19.3800% | 2,239 |
| Memoranda: | ||
| Average total assets | $231,876,750 | 2,714 |
| Average earning assets | $220,806,000 | 2,623 |
| Average equity | $26,566,250 | 2,521 |
| Average total loans | $138,779,500 | 2,733 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6639% | 5,253 |
| Cost of funding earning assets | 0.6122% | 2,822 |
| Net interest margin | 3.0517% | 5,424 |
| Noninterest income to average assets | 0.1402% | 6,351 |
| Noninterest expense to average assets | 2.1301% | 5,797 |
| Loan and lease loss provision to assets | 1.4024% | 99 |
| Net operating income to assets | -0.4109% | 6,608 |
| Return on assets (ROA) | 0.0723% | 6,276 |
| Pretax return on assets | 0.0026% | 6,351 |
| Return on Equity (ROE) | 0.6202% | 6,285 |
| Retained earnings to average equity (ytd only) | 0.6202% | 5,650 |
| Net charge-offs to loans | 5.5196% | 27 |
| Credit loss provision to net charge-offs | 41.9422% | 3,380 |
| Earnings coverage of net charge-offs (x) | 0.2757% | 4,454 |
| Efficiency ratio | 69.7946% | 3,868 |
| Assets per employee ($millions) | 5.0299% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 5,005 |
| Loan loss allowance to noncurrent loans | 47.9118% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 2.0581% | 2,102 |
| Noncurrent loans to loans | 2.5010% | 1,852 |
| Net loans and leases to total assets | 55.6334% | 4,354 |
| Net loans and leases to deposits | 70.9747% | 3,590 |
| Net loans and leases to core deposits | 74.3939% | 3,746 |
| Total domestic deposits to total assets | 78.3847% | 5,898 |
| Equity capital to assets | 10.7068% | 3,049 |
| Core capital (leverage) ratio | 11.1962% | 2,174 |
| Tier 1 risk-based capital ratio | 18.3200% | 2,203 |
| Total risk-based capital ratio | 19.4625% | 2,201 |
| Memoranda: | ||
| Average total assets | $229,753,000 | 2,743 |
| Average earning assets | $219,220,670 | 2,648 |
| Average equity | $26,764,330 | 2,511 |
| Average total loans | $139,176,330 | 2,734 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6267% | 5,371 |
| Cost of funding earning assets | 0.6347% | 2,793 |
| Net interest margin | 2.9920% | 5,589 |
| Noninterest income to average assets | -0.0232% | 6,885 |
| Noninterest expense to average assets | 2.0990% | 5,919 |
| Loan and lease loss provision to assets | 0.3412% | 977 |
| Net operating income to assets | 0.3198% | 5,495 |
| Return on assets (ROA) | 0.3198% | 5,628 |
| Pretax return on assets | 0.3912% | 5,589 |
| Return on Equity (ROE) | 2.6303% | 5,730 |
| Retained earnings to average equity (ytd only) | 2.6303% | 4,707 |
| Net charge-offs to loans | -0.0085% | 5,390 |
| Credit loss provision to net charge-offs | -6,366.6667% | 5,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1325% | 3,241 |
| Assets per employee ($millions) | 4.5349% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8606% | 766 |
| Loan loss allowance to noncurrent loans | 41.2309% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 5.0335% | 727 |
| Noncurrent loans to loans | 6.9379% | 428 |
| Net loans and leases to total assets | 60.6996% | 3,308 |
| Net loans and leases to deposits | 79.5087% | 2,151 |
| Net loans and leases to core deposits | 83.6008% | 2,370 |
| Total domestic deposits to total assets | 76.3433% | 6,325 |
| Equity capital to assets | 12.0304% | 2,015 |
| Core capital (leverage) ratio | 11.4245% | 1,924 |
| Tier 1 risk-based capital ratio | 18.5752% | 2,165 |
| Total risk-based capital ratio | 19.8455% | 2,131 |
| Memoranda: | ||
| Average total assets | $223,911,500 | 2,834 |
| Average earning assets | $213,636,000 | 2,724 |
| Average equity | $27,221,500 | 2,509 |
| Average total loans | $140,790,500 | 2,714 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8900% | 5,598 |
| Cost of funding earning assets | 0.7663% | 2,953 |
| Net interest margin | 3.1237% | 5,755 |
| Noninterest income to average assets | 0.1326% | 6,380 |
| Noninterest expense to average assets | 2.1955% | 5,932 |
| Loan and lease loss provision to assets | 0.8535% | 548 |
| Net operating income to assets | 0.1180% | 5,973 |
| Return on assets (ROA) | 0.1180% | 6,114 |
| Pretax return on assets | 0.0667% | 6,200 |
| Return on Equity (ROE) | 0.9649% | 6,141 |
| Retained earnings to average equity (ytd only) | 0.9649% | 5,392 |
| Net charge-offs to loans | -0.0044% | 6,379 |
| Credit loss provision to net charge-offs | -31,333.3333% | 6,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4648% | 3,721 |
| Assets per employee ($millions) | 4.3349% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7585% | 867 |
| Loan loss allowance to noncurrent loans | 39.0468% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 5.2515% | 726 |
| Noncurrent loans to loans | 7.0645% | 450 |
| Net loans and leases to total assets | 61.5329% | 3,331 |
| Net loans and leases to deposits | 81.2918% | 2,110 |
| Net loans and leases to core deposits | 84.8640% | 2,446 |
| Total domestic deposits to total assets | 75.6939% | 6,391 |
| Equity capital to assets | 12.2874% | 1,866 |
| Core capital (leverage) ratio | 11.7099% | 1,726 |
| Tier 1 risk-based capital ratio | 18.6705% | 2,055 |
| Total risk-based capital ratio | 19.9389% | 2,015 |
| Memoranda: | ||
| Average total assets | $220,269,400 | 2,838 |
| Average earning assets | $210,358,000 | 2,729 |
| Average equity | $26,946,600 | 2,484 |
| Average total loans | $135,179,200 | 2,788 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9285% | 5,719 |
| Cost of funding earning assets | 0.7954% | 2,986 |
| Net interest margin | 3.1330% | 5,859 |
| Noninterest income to average assets | 0.0903% | 6,652 |
| Noninterest expense to average assets | 2.1811% | 5,992 |
| Loan and lease loss provision to assets | 1.0391% | 382 |
| Net operating income to assets | -0.0121% | 6,301 |
| Return on assets (ROA) | -0.0121% | 6,420 |
| Pretax return on assets | -0.1327% | 6,500 |
| Return on Equity (ROE) | -0.0992% | 6,420 |
| Retained earnings to average equity (ytd only) | -0.0992% | 6,098 |
| Net charge-offs to loans | -0.0020% | 6,206 |
| Credit loss provision to net charge-offs | -85,750.0000% | 6,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6436% | 3,567 |
| Assets per employee ($millions) | 4.2690% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7462% | 940 |
| Loan loss allowance to noncurrent loans | 37.0780% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 5.3643% | 804 |
| Noncurrent loans to loans | 7.4066% | 466 |
| Net loans and leases to total assets | 60.0210% | 3,782 |
| Net loans and leases to deposits | 80.9049% | 2,262 |
| Net loans and leases to core deposits | 84.9605% | 2,582 |
| Total domestic deposits to total assets | 74.1871% | 6,588 |
| Equity capital to assets | 12.4115% | 1,955 |
| Core capital (leverage) ratio | 11.6433% | 1,874 |
| Tier 1 risk-based capital ratio | 19.2468% | 1,934 |
| Total risk-based capital ratio | 20.5156% | 1,903 |
| Memoranda: | ||
| Average total assets | $220,066,750 | 2,856 |
| Average earning assets | $210,525,250 | 2,753 |
| Average equity | $26,892,000 | 2,510 |
| Average total loans | $134,000,000 | 2,838 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 5,485 |
| Cost of funding earning assets | 0.8188% | 3,042 |
| Net interest margin | 3.2317% | 5,640 |
| Noninterest income to average assets | 0.2391% | 5,858 |
| Noninterest expense to average assets | 2.2259% | 5,935 |
| Loan and lease loss provision to assets | 1.5531% | 223 |
| Net operating income to assets | -0.2092% | 6,554 |
| Return on assets (ROA) | -0.2092% | 6,620 |
| Pretax return on assets | -0.4446% | 6,724 |
| Return on Equity (ROE) | -1.7208% | 6,602 |
| Retained earnings to average equity (ytd only) | -1.7208% | 6,321 |
| Net charge-offs to loans | 0.0538% | 4,654 |
| Credit loss provision to net charge-offs | 4,763.8889% | 63 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 988 |
| Efficiency ratio | 66.7572% | 4,371 |
| Assets per employee ($millions) | 4.3879% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7403% | 996 |
| Loan loss allowance to noncurrent loans | 2,123.2558% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.9599% | 4,452 |
| Noncurrent loans to loans | 0.1291% | 6,341 |
| Net loans and leases to total assets | 57.9215% | 4,173 |
| Net loans and leases to deposits | 77.6185% | 2,730 |
| Net loans and leases to core deposits | 81.7249% | 2,992 |
| Total domestic deposits to total assets | 74.6233% | 6,621 |
| Equity capital to assets | 11.9048% | 2,215 |
| Core capital (leverage) ratio | 11.5770% | 1,854 |
| Tier 1 risk-based capital ratio | 19.1523% | 1,923 |
| Total risk-based capital ratio | 20.4215% | 1,899 |
| Memoranda: | ||
| Average total assets | $220,850,000 | 2,859 |
| Average earning assets | $211,526,330 | 2,742 |
| Average equity | $26,848,670 | 2,495 |
| Average total loans | $133,878,000 | 2,853 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1308% | 5,355 |
| Cost of funding earning assets | 0.8611% | 2,988 |
| Net interest margin | 3.2696% | 5,573 |
| Noninterest income to average assets | 0.2389% | 5,917 |
| Noninterest expense to average assets | 2.1478% | 6,157 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8515% | 3,153 |
| Return on assets (ROA) | 0.8515% | 3,390 |
| Pretax return on assets | 1.2271% | 2,809 |
| Return on Equity (ROE) | 6.9307% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.9307% | 2,469 |
| Net charge-offs to loans | -0.0238% | 6,242 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6413% | 4,993 |
| Assets per employee ($millions) | 4.4083% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 4,173 |
| Loan loss allowance to noncurrent loans | 140.6960% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 1.0131% | 4,465 |
| Noncurrent loans to loans | 1.0636% | 4,578 |
| Net loans and leases to total assets | 59.1624% | 3,827 |
| Net loans and leases to deposits | 79.4749% | 2,277 |
| Net loans and leases to core deposits | 83.5602% | 2,599 |
| Total domestic deposits to total assets | 74.4416% | 6,706 |
| Equity capital to assets | 12.3343% | 1,825 |
| Core capital (leverage) ratio | 11.7608% | 1,730 |
| Tier 1 risk-based capital ratio | 19.6732% | 1,788 |
| Total risk-based capital ratio | 20.9258% | 1,761 |
| Memoranda: | ||
| Average total assets | $219,383,000 | 2,902 |
| Average earning assets | $210,421,500 | 2,768 |
| Average equity | $26,952,500 | 2,478 |
| Average total loans | $134,181,500 | 2,867 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 4,938 |
| Cost of funding earning assets | 1.0882% | 2,748 |
| Net interest margin | 3.4457% | 5,350 |
| Noninterest income to average assets | 0.1642% | 6,316 |
| Noninterest expense to average assets | 2.0287% | 6,625 |
| Loan and lease loss provision to assets | 0.4885% | 2,165 |
| Net operating income to assets | 0.6666% | 3,652 |
| Return on assets (ROA) | 0.7848% | 3,276 |
| Pretax return on assets | 1.1155% | 2,779 |
| Return on Equity (ROE) | 6.6436% | 3,570 |
| Retained earnings to average equity (ytd only) | 6.6436% | 1,674 |
| Net charge-offs to loans | 1.1418% | 1,490 |
| Credit loss provision to net charge-offs | 65.7407% | 5,001 |
| Earnings coverage of net charge-offs (x) | 1.9315% | 4,324 |
| Efficiency ratio | 58.5673% | 5,970 |
| Assets per employee ($millions) | 4.2814% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 4,231 |
| Loan loss allowance to noncurrent loans | 139.4346% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 1.0259% | 4,558 |
| Noncurrent loans to loans | 1.0406% | 4,627 |
| Net loans and leases to total assets | 61.3719% | 3,718 |
| Net loans and leases to deposits | 83.1714% | 2,042 |
| Net loans and leases to core deposits | 88.2994% | 2,345 |
| Total domestic deposits to total assets | 73.7897% | 6,735 |
| Equity capital to assets | 12.2364% | 1,945 |
| Core capital (leverage) ratio | 11.7090% | 1,758 |
| Tier 1 risk-based capital ratio | 18.9327% | 1,915 |
| Total risk-based capital ratio | 20.1849% | 1,875 |
| Memoranda: | ||
| Average total assets | $218,026,200 | 2,859 |
| Average earning assets | $208,781,800 | 2,740 |
| Average equity | $25,754,000 | 2,504 |
| Average total loans | $141,886,600 | 2,754 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5834% | 4,929 |
| Cost of funding earning assets | 1.1240% | 2,807 |
| Net interest margin | 3.4594% | 5,360 |
| Noninterest income to average assets | 0.2967% | 5,487 |
| Noninterest expense to average assets | 2.0298% | 6,636 |
| Loan and lease loss provision to assets | 0.6515% | 1,508 |
| Net operating income to assets | 0.6680% | 3,780 |
| Return on assets (ROA) | 0.6680% | 3,953 |
| Pretax return on assets | 0.9311% | 3,647 |
| Return on Equity (ROE) | 5.7067% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.7067% | 2,741 |
| Net charge-offs to loans | 1.4964% | 969 |
| Credit loss provision to net charge-offs | 66.1902% | 4,601 |
| Earnings coverage of net charge-offs (x) | 1.6078% | 4,441 |
| Efficiency ratio | 56.1897% | 6,256 |
| Assets per employee ($millions) | 4.1087% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 4,410 |
| Loan loss allowance to noncurrent loans | 138.6443% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 1.1725% | 4,439 |
| Noncurrent loans to loans | 1.0330% | 4,831 |
| Net loans and leases to total assets | 63.9085% | 3,329 |
| Net loans and leases to deposits | 85.5024% | 1,754 |
| Net loans and leases to core deposits | 90.2543% | 2,218 |
| Total domestic deposits to total assets | 74.7447% | 6,672 |
| Equity capital to assets | 12.3681% | 1,989 |
| Core capital (leverage) ratio | 11.4180% | 2,086 |
| Tier 1 risk-based capital ratio | 17.9627% | 2,270 |
| Total risk-based capital ratio | 19.2150% | 2,231 |
| Memoranda: | ||
| Average total assets | $217,945,500 | 2,865 |
| Average earning assets | $208,891,500 | 2,747 |
| Average equity | $25,513,000 | 2,526 |
| Average total loans | $143,363,750 | 2,757 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5549% | 5,158 |
| Cost of funding earning assets | 1.1447% | 2,935 |
| Net interest margin | 3.4103% | 5,521 |
| Noninterest income to average assets | 0.3063% | 5,448 |
| Noninterest expense to average assets | 2.0713% | 6,651 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0256% | 2,119 |
| Return on assets (ROA) | 1.0256% | 2,217 |
| Pretax return on assets | 1.5052% | 1,514 |
| Return on Equity (ROE) | 8.9254% | 2,548 |
| Retained earnings to average equity (ytd only) | 8.9254% | 1,133 |
| Net charge-offs to loans | -0.0400% | 6,993 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9149% | 6,177 |
| Assets per employee ($millions) | 4.1883% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8058% | 2,969 |
| Loan loss allowance to noncurrent loans | 1,056.6116% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.6361% | 5,644 |
| Noncurrent loans to loans | 0.1709% | 6,552 |
| Net loans and leases to total assets | 62.6368% | 3,757 |
| Net loans and leases to deposits | 83.0169% | 2,271 |
| Net loans and leases to core deposits | 87.3795% | 2,719 |
| Total domestic deposits to total assets | 75.4507% | 6,682 |
| Equity capital to assets | 11.8106% | 2,235 |
| Core capital (leverage) ratio | 11.5250% | 1,896 |
| Tier 1 risk-based capital ratio | 17.8550% | 2,224 |
| Total risk-based capital ratio | 19.1122% | 2,171 |
| Memoranda: | ||
| Average total assets | $219,376,000 | 2,868 |
| Average earning assets | $210,365,330 | 2,756 |
| Average equity | $25,209,000 | 2,536 |
| Average total loans | $144,976,000 | 2,759 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5326% | 5,233 |
| Cost of funding earning assets | 1.1738% | 2,992 |
| Net interest margin | 3.3588% | 5,584 |
| Noninterest income to average assets | 0.4641% | 4,157 |
| Noninterest expense to average assets | 2.1681% | 6,491 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0198% | 2,109 |
| Return on assets (ROA) | 1.0198% | 2,160 |
| Pretax return on assets | 1.5132% | 1,408 |
| Return on Equity (ROE) | 9.0022% | 2,470 |
| Retained earnings to average equity (ytd only) | 9.0022% | 1,375 |
| Net charge-offs to loans | 0.3764% | 2,564 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.9783% | 2,172 |
| Efficiency ratio | 58.8939% | 6,142 |
| Assets per employee ($millions) | 4.1571% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 3,497 |
| Loan loss allowance to noncurrent loans | 761.1465% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.8864% | 5,132 |
| Noncurrent loans to loans | 0.2178% | 6,540 |
| Net loans and leases to total assets | 64.3431% | 3,380 |
| Net loans and leases to deposits | 85.3774% | 1,825 |
| Net loans and leases to core deposits | 89.8378% | 2,371 |
| Total domestic deposits to total assets | 75.3632% | 6,752 |
| Equity capital to assets | 11.3605% | 2,371 |
| Core capital (leverage) ratio | 11.1209% | 2,100 |
| Tier 1 risk-based capital ratio | 17.1429% | 2,422 |
| Total risk-based capital ratio | 18.3981% | 2,395 |
| Memoranda: | ||
| Average total assets | $218,075,000 | 2,901 |
| Average earning assets | $208,885,500 | 2,803 |
| Average equity | $24,705,000 | 2,576 |
| Average total loans | $146,665,500 | 2,762 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9680% | 4,702 |
| Cost of funding earning assets | 1.3312% | 3,683 |
| Net interest margin | 3.6368% | 4,638 |
| Noninterest income to average assets | 0.2315% | 6,146 |
| Noninterest expense to average assets | 2.0748% | 6,899 |
| Loan and lease loss provision to assets | 1.8725% | 729 |
| Net operating income to assets | -0.0691% | 5,952 |
| Return on assets (ROA) | -0.0350% | 5,997 |
| Pretax return on assets | -0.1862% | 6,074 |
| Return on Equity (ROE) | -0.3055% | 6,001 |
| Retained earnings to average equity (ytd only) | -0.3055% | 5,668 |
| Net charge-offs to loans | 1.7656% | 1,200 |
| Credit loss provision to net charge-offs | 146.3982% | 2,514 |
| Earnings coverage of net charge-offs (x) | 1.2767% | 4,824 |
| Efficiency ratio | 55.9577% | 6,601 |
| Assets per employee ($millions) | 4.1505% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6946% | 3,234 |
| Loan loss allowance to noncurrent loans | 424.1611% | 732 |
| Noncurrent assets plus other real estate owned to assets | 1.0314% | 4,936 |
| Noncurrent loans to loans | 0.3995% | 6,249 |
| Net loans and leases to total assets | 67.9481% | 2,996 |
| Net loans and leases to deposits | 91.0858% | 1,386 |
| Net loans and leases to core deposits | 96.3623% | 1,964 |
| Total domestic deposits to total assets | 74.5979% | 6,817 |
| Equity capital to assets | 11.2962% | 2,413 |
| Core capital (leverage) ratio | 11.0260% | 2,141 |
| Tier 1 risk-based capital ratio | 16.0013% | 2,751 |
| Total risk-based capital ratio | 17.2565% | 2,705 |
| Memoranda: | ||
| Average total assets | $211,639,600 | 2,965 |
| Average earning assets | $202,295,200 | 2,844 |
| Average equity | $24,220,000 | 2,635 |
| Average total loans | $153,320,000 | 2,716 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0194% | 4,716 |
| Cost of funding earning assets | 1.3542% | 3,869 |
| Net interest margin | 3.6652% | 4,567 |
| Noninterest income to average assets | 0.2330% | 6,220 |
| Noninterest expense to average assets | 2.0754% | 6,899 |
| Loan and lease loss provision to assets | 2.4521% | 439 |
| Net operating income to assets | -0.4371% | 6,548 |
| Return on assets (ROA) | -0.3913% | 6,556 |
| Pretax return on assets | -0.7237% | 6,693 |
| Return on Equity (ROE) | -3.4077% | 6,527 |
| Retained earnings to average equity (ytd only) | -3.4077% | 6,395 |
| Net charge-offs to loans | 2.3391% | 752 |
| Credit loss provision to net charge-offs | 143.0207% | 2,745 |
| Earnings coverage of net charge-offs (x) | 0.9664% | 5,097 |
| Efficiency ratio | 55.6064% | 6,614 |
| Assets per employee ($millions) | 4.2451% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6003% | 3,525 |
| Loan loss allowance to noncurrent loans | 4,275.4386% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.8328% | 5,432 |
| Noncurrent loans to loans | 0.0374% | 7,155 |
| Net loans and leases to total assets | 69.2137% | 2,934 |
| Net loans and leases to deposits | 90.8720% | 1,600 |
| Net loans and leases to core deposits | 95.9905% | 2,262 |
| Total domestic deposits to total assets | 76.1662% | 6,625 |
| Equity capital to assets | 11.2241% | 2,754 |
| Core capital (leverage) ratio | 11.1164% | 2,182 |
| Tier 1 risk-based capital ratio | 15.4976% | 2,998 |
| Total risk-based capital ratio | 16.7520% | 2,965 |
| Memoranda: | ||
| Average total assets | $210,593,250 | 3,026 |
| Average earning assets | $201,055,000 | 2,901 |
| Average equity | $24,180,000 | 2,686 |
| Average total loans | $154,355,750 | 2,740 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1322% | 4,284 |
| Cost of funding earning assets | 1.3828% | 3,990 |
| Net interest margin | 3.7495% | 4,135 |
| Noninterest income to average assets | 0.2330% | 6,239 |
| Noninterest expense to average assets | 2.0745% | 6,970 |
| Loan and lease loss provision to assets | 3.7129% | 223 |
| Net operating income to assets | -1.1871% | 7,022 |
| Return on assets (ROA) | -1.1178% | 7,008 |
| Pretax return on assets | -1.8771% | 7,201 |
| Return on Equity (ROE) | -9.6603% | 6,957 |
| Retained earnings to average equity (ytd only) | -9.6603% | 6,901 |
| Net charge-offs to loans | 2.3451% | 747 |
| Credit loss provision to net charge-offs | 213.0363% | 1,831 |
| Earnings coverage of net charge-offs (x) | 0.9912% | 4,794 |
| Efficiency ratio | 54.5638% | 6,811 |
| Assets per employee ($millions) | 4.0520% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1441% | 1,879 |
| Loan loss allowance to noncurrent loans | 347.2860% | 851 |
| Noncurrent assets plus other real estate owned to assets | 1.2833% | 4,583 |
| Noncurrent loans to loans | 0.6174% | 6,015 |
| Net loans and leases to total assets | 72.0659% | 2,378 |
| Net loans and leases to deposits | 93.4713% | 1,341 |
| Net loans and leases to core deposits | 97.7199% | 2,261 |
| Total domestic deposits to total assets | 77.0995% | 6,481 |
| Equity capital to assets | 11.1550% | 2,724 |
| Core capital (leverage) ratio | 10.9879% | 2,252 |
| Tier 1 risk-based capital ratio | 14.8579% | 3,235 |
| Total risk-based capital ratio | 16.1189% | 3,198 |
| Memoranda: | ||
| Average total assets | $208,624,670 | 3,056 |
| Average earning assets | $198,589,000 | 2,969 |
| Average equity | $24,140,000 | 2,680 |
| Average total loans | $155,046,330 | 2,760 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1720% | 4,183 |
| Cost of funding earning assets | 1.3987% | 4,184 |
| Net interest margin | 3.7733% | 3,904 |
| Noninterest income to average assets | 0.2351% | 6,272 |
| Noninterest expense to average assets | 2.1331% | 6,855 |
| Loan and lease loss provision to assets | 2.2160% | 485 |
| Net operating income to assets | -0.2717% | 6,631 |
| Return on assets (ROA) | -0.2717% | 6,690 |
| Pretax return on assets | -0.5376% | 6,813 |
| Return on Equity (ROE) | -2.3060% | 6,672 |
| Retained earnings to average equity (ytd only) | -2.3060% | 6,259 |
| Net charge-offs to loans | 2.3048% | 730 |
| Credit loss provision to net charge-offs | 128.7794% | 2,740 |
| Earnings coverage of net charge-offs (x) | 0.9754% | 4,187 |
| Efficiency ratio | 55.9656% | 6,768 |
| Assets per employee ($millions) | 4.1666% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 6,478 |
| Loan loss allowance to noncurrent loans | 85.6583% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.9431% | 3,570 |
| Noncurrent loans to loans | 1.1668% | 5,029 |
| Net loans and leases to total assets | 72.7020% | 2,283 |
| Net loans and leases to deposits | 95.5270% | 1,164 |
| Net loans and leases to core deposits | 100.4850% | 2,081 |
| Total domestic deposits to total assets | 76.1062% | 6,740 |
| Equity capital to assets | 11.7160% | 2,217 |
| Core capital (leverage) ratio | 11.3697% | 1,986 |
| Tier 1 risk-based capital ratio | 14.7375% | 3,235 |
| Total risk-based capital ratio | 15.6763% | 3,389 |
| Memoranda: | ||
| Average total assets | $207,585,500 | 3,123 |
| Average earning assets | $196,751,000 | 3,036 |
| Average equity | $24,458,000 | 2,671 |
| Average total loans | $154,983,500 | 2,827 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3165% | 5,095 |
| Cost of funding earning assets | 1.7465% | 4,267 |
| Net interest margin | 3.5701% | 4,652 |
| Noninterest income to average assets | 0.2940% | 6,013 |
| Noninterest expense to average assets | 2.3446% | 6,616 |
| Loan and lease loss provision to assets | 0.4582% | 4,078 |
| Net operating income to assets | 0.6180% | 3,265 |
| Return on assets (ROA) | 0.6180% | 3,334 |
| Pretax return on assets | 0.8845% | 2,973 |
| Return on Equity (ROE) | 5.3023% | 3,529 |
| Retained earnings to average equity (ytd only) | 5.3023% | 1,673 |
| Net charge-offs to loans | 0.6494% | 3,241 |
| Credit loss provision to net charge-offs | 94.0430% | 5,849 |
| Earnings coverage of net charge-offs (x) | 2.7559% | 3,720 |
| Efficiency ratio | 63.5871% | 5,852 |
| Assets per employee ($millions) | 4.0557% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 7,100 |
| Loan loss allowance to noncurrent loans | 47.4981% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 2.4096% | 2,888 |
| Noncurrent loans to loans | 1.7060% | 4,082 |
| Net loans and leases to total assets | 75.2781% | 1,972 |
| Net loans and leases to deposits | 103.0565% | 690 |
| Net loans and leases to core deposits | 127.1277% | 1,444 |
| Total domestic deposits to total assets | 73.0455% | 7,146 |
| Equity capital to assets | 11.8487% | 2,109 |
| Core capital (leverage) ratio | 11.2961% | 2,046 |
| Tier 1 risk-based capital ratio | 14.7803% | 3,057 |
| Total risk-based capital ratio | 15.5591% | 3,266 |
| Memoranda: | ||
| Average total assets | $210,186,400 | 3,063 |
| Average earning assets | $199,772,600 | 2,973 |
| Average equity | $24,498,800 | 2,661 |
| Average total loans | $157,690,600 | 2,807 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2541% | 5,660 |
| Cost of funding earning assets | 1.8025% | 4,369 |
| Net interest margin | 3.4517% | 5,069 |
| Noninterest income to average assets | 0.2812% | 6,225 |
| Noninterest expense to average assets | 2.2461% | 6,850 |
| Loan and lease loss provision to assets | 0.0442% | 6,927 |
| Net operating income to assets | 0.8694% | 2,541 |
| Return on assets (ROA) | 0.8694% | 2,610 |
| Pretax return on assets | 1.2769% | 2,019 |
| Return on Equity (ROE) | 7.4893% | 2,869 |
| Retained earnings to average equity (ytd only) | 7.4893% | 1,318 |
| Net charge-offs to loans | 0.1115% | 5,564 |
| Credit loss provision to net charge-offs | 53.0303% | 6,270 |
| Earnings coverage of net charge-offs (x) | 15.8405% | 1,512 |
| Efficiency ratio | 62.9649% | 5,932 |
| Assets per employee ($millions) | 4.0470% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8211% | 7,053 |
| Loan loss allowance to noncurrent loans | 33.3246% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 2.8430% | 2,447 |
| Noncurrent loans to loans | 2.4640% | 3,056 |
| Net loans and leases to total assets | 72.9486% | 2,809 |
| Net loans and leases to deposits | 98.1334% | 1,313 |
| Net loans and leases to core deposits | 123.8792% | 1,909 |
| Total domestic deposits to total assets | 74.3362% | 6,889 |
| Equity capital to assets | 11.8050% | 2,350 |
| Core capital (leverage) ratio | 11.1618% | 2,293 |
| Tier 1 risk-based capital ratio | 14.7285% | 3,173 |
| Total risk-based capital ratio | 15.5015% | 3,356 |
| Memoranda: | ||
| Average total assets | $211,022,750 | 3,076 |
| Average earning assets | $200,903,500 | 2,972 |
| Average equity | $24,496,500 | 2,689 |
| Average total loans | $157,868,750 | 2,831 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2100% | 6,043 |
| Cost of funding earning assets | 1.8376% | 4,570 |
| Net interest margin | 3.3725% | 5,277 |
| Noninterest income to average assets | 0.2670% | 6,361 |
| Noninterest expense to average assets | 2.2337% | 6,965 |
| Loan and lease loss provision to assets | 0.0663% | 6,544 |
| Net operating income to assets | 0.7982% | 2,863 |
| Return on assets (ROA) | 0.7982% | 2,959 |
| Pretax return on assets | 1.1751% | 2,372 |
| Return on Equity (ROE) | 6.9152% | 3,242 |
| Retained earnings to average equity (ytd only) | 6.9152% | 1,616 |
| Net charge-offs to loans | 0.1674% | 4,549 |
| Credit loss provision to net charge-offs | 52.6316% | 5,724 |
| Earnings coverage of net charge-offs (x) | 9.8571% | 2,065 |
| Efficiency ratio | 64.2779% | 5,856 |
| Assets per employee ($millions) | 4.0066% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 7,120 |
| Loan loss allowance to noncurrent loans | 33.1333% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 2.8342% | 2,262 |
| Noncurrent loans to loans | 2.4413% | 2,963 |
| Net loans and leases to total assets | 71.9823% | 3,235 |
| Net loans and leases to deposits | 95.7763% | 1,831 |
| Net loans and leases to core deposits | 120.6317% | 2,309 |
| Total domestic deposits to total assets | 75.1567% | 6,732 |
| Equity capital to assets | 11.0041% | 2,919 |
| Core capital (leverage) ratio | 11.0150% | 2,386 |
| Tier 1 risk-based capital ratio | 14.2606% | 3,375 |
| Total risk-based capital ratio | 15.0252% | 3,575 |
| Memoranda: | ||
| Average total assets | $211,215,670 | 3,095 |
| Average earning assets | $200,919,670 | 2,986 |
| Average equity | $24,381,000 | 2,714 |
| Average total loans | $158,896,000 | 2,843 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2015% | 6,289 |
| Cost of funding earning assets | 1.8896% | 4,686 |
| Net interest margin | 3.3119% | 5,455 |
| Noninterest income to average assets | 0.2377% | 6,554 |
| Noninterest expense to average assets | 2.2181% | 6,813 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7803% | 3,212 |
| Return on assets (ROA) | 0.7803% | 3,378 |
| Pretax return on assets | 1.1579% | 2,776 |
| Return on Equity (ROE) | 6.5998% | 3,783 |
| Retained earnings to average equity (ytd only) | 6.5998% | 2,379 |
| Net charge-offs to loans | 0.4204% | 2,423 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.5952% | 3,127 |
| Efficiency ratio | 65.7013% | 5,385 |
| Assets per employee ($millions) | 4.1224% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7527% | 7,302 |
| Loan loss allowance to noncurrent loans | 444.6565% | 785 |
| Noncurrent assets plus other real estate owned to assets | 1.3155% | 4,039 |
| Noncurrent loans to loans | 0.1693% | 7,041 |
| Net loans and leases to total assets | 71.6612% | 3,310 |
| Net loans and leases to deposits | 94.4672% | 2,198 |
| Net loans and leases to core deposits | 118.8198% | 2,521 |
| Total domestic deposits to total assets | 75.8582% | 6,537 |
| Equity capital to assets | 10.9538% | 3,007 |
| Core capital (leverage) ratio | 10.8482% | 2,619 |
| Tier 1 risk-based capital ratio | 12.8883% | 4,263 |
| Total risk-based capital ratio | 13.5341% | 4,631 |
| Memoranda: | ||
| Average total assets | $208,645,500 | 3,129 |
| Average earning assets | $197,712,000 | 3,047 |
| Average equity | $24,667,500 | 2,686 |
| Average total loans | $159,840,000 | 2,850 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4938% | 2,987 |
| Cost of funding earning assets | 2.3913% | 4,753 |
| Net interest margin | 4.1025% | 2,701 |
| Noninterest income to average assets | 0.2616% | 6,582 |
| Noninterest expense to average assets | 2.1471% | 7,123 |
| Loan and lease loss provision to assets | 0.3448% | 3,638 |
| Net operating income to assets | 1.0944% | 2,167 |
| Return on assets (ROA) | 1.1191% | 1,987 |
| Pretax return on assets | 1.6994% | 1,147 |
| Return on Equity (ROE) | 9.1952% | 2,571 |
| Retained earnings to average equity (ytd only) | 9.1952% | 573 |
| Net charge-offs to loans | 0.2173% | 4,044 |
| Credit loss provision to net charge-offs | 194.9861% | 2,513 |
| Earnings coverage of net charge-offs (x) | 11.3482% | 2,380 |
| Efficiency ratio | 51.5712% | 7,536 |
| Assets per employee ($millions) | 3.8288% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 7,072 |
| Loan loss allowance to noncurrent loans | 299.5506% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 1.5153% | 3,185 |
| Noncurrent loans to loans | 0.2699% | 6,565 |
| Net loans and leases to total assets | 80.6035% | 1,523 |
| Net loans and leases to deposits | 106.4155% | 1,087 |
| Net loans and leases to core deposits | 133.9231% | 1,601 |
| Total domestic deposits to total assets | 75.7441% | 6,297 |
| Equity capital to assets | 12.7405% | 1,897 |
| Core capital (leverage) ratio | 12.4183% | 1,784 |
| Tier 1 risk-based capital ratio | 14.2159% | 3,439 |
| Total risk-based capital ratio | 14.9567% | 3,614 |
| Memoranda: | ||
| Average total assets | $203,015,200 | 3,102 |
| Average earning assets | $192,614,800 | 2,999 |
| Average equity | $24,708,600 | 2,667 |
| Average total loans | $165,209,800 | 2,696 |