Home > The First National Bank of South Miami > Performance and Condition Ratios
The First National Bank of South Miami, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 3,027 |
| Cost of funding earning assets | 1.6136% | 1,030 |
| Net interest margin | 2.7224% | 3,941 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.5275% | 2,125 |
| Loan and lease loss provision to assets | 0.3300% | 270 |
| Net operating income to assets | 0.1641% | 4,321 |
| Return on assets (ROA) | 0.1751% | 4,329 |
| Pretax return on assets | 0.2308% | 4,285 |
| Return on Equity (ROE) | 2.3400% | 4,230 |
| Retained earnings to average equity (ytd only) | 2.3429% | 3,635 |
| Net charge-offs to loans | 0.1492% | 519 |
| Credit loss provision to net charge-offs | 356.6372% | 781 |
| Earnings coverage of net charge-offs (x) | 5.9071% | 2,147 |
| Efficiency ratio | 82.1988% | 695 |
| Assets per employee ($millions) | 8.5648% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6024% | 930 |
| Loan loss allowance to noncurrent loans | 448.1666% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 2,093 |
| Noncurrent loans to loans | 0.3575% | 1,851 |
| Net loans and leases to total assets | 60.6700% | 2,708 |
| Net loans and leases to deposits | 68.9169% | 2,865 |
| Net loans and leases to core deposits | 73.8101% | 2,904 |
| Total domestic deposits to total assets | 88.0300% | 1,588 |
| Equity capital to assets | 7.0559% | 3,764 |
| Core capital (leverage) ratio | 9.2905% | 3,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4114% | 1,756 |
| Memoranda: | ||
| Average total assets | $975,572,000 | 998 |
| Average earning assets | $947,831,667 | 946 |
| Average equity | $72,902,000 | 1,199 |
| Average total loans | $605,987,667 | 1,074 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3111% | 2,779 |
| Cost of funding earning assets | 1.3174% | 1,193 |
| Net interest margin | 2.9937% | 3,615 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.4133% | 2,491 |
| Loan and lease loss provision to assets | 0.2200% | 458 |
| Net operating income to assets | 0.5586% | 3,775 |
| Return on assets (ROA) | 0.5661% | 3,723 |
| Pretax return on assets | 0.7561% | 3,549 |
| Return on Equity (ROE) | 7.3600% | 3,444 |
| Retained earnings to average equity (ytd only) | 4.4054% | 3,152 |
| Net charge-offs to loans | -0.0027% | 3,480 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.4409% | 1,584 |
| Assets per employee ($millions) | 8.2075% | 1,244 |
| Cash dividends to net income (ytd only)* | 40.1615% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 1,176 |
| Loan loss allowance to noncurrent loans | 313.6379% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 1,602 |
| Noncurrent loans to loans | 0.4876% | 1,496 |
| Net loans and leases to total assets | 63.2200% | 2,336 |
| Net loans and leases to deposits | 72.5506% | 2,420 |
| Net loans and leases to core deposits | 76.7430% | 2,479 |
| Total domestic deposits to total assets | 87.1400% | 2,215 |
| Equity capital to assets | 8.0683% | 3,195 |
| Core capital (leverage) ratio | 9.2494% | 3,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3988% | 1,521 |
| Memoranda: | ||
| Average total assets | $962,317,000 | 1,028 |
| Average earning assets | $935,177,500 | 973 |
| Average equity | $74,000,000 | 1,194 |
| Average total loans | $600,071,000 | 1,093 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2467% | 3,726 |
| Cost of funding earning assets | 0.5215% | 1,259 |
| Net interest margin | 2.7252% | 4,023 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.2318% | 2,939 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.4818% | 4,108 |
| Return on assets (ROA) | 0.4779% | 4,084 |
| Pretax return on assets | 0.7400% | 3,767 |
| Return on Equity (ROE) | 6.4200% | 3,741 |
| Retained earnings to average equity (ytd only) | 5.1169% | 2,994 |
| Net charge-offs to loans | -0.0091% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.1403% | 1,307 |
| Assets per employee ($millions) | 7.9094% | 1,372 |
| Cash dividends to net income (ytd only)* | 20.3417% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 1,289 |
| Loan loss allowance to noncurrent loans | 208.4685% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 1,200 |
| Noncurrent loans to loans | 0.7055% | 1,062 |
| Net loans and leases to total assets | 59.6900% | 2,662 |
| Net loans and leases to deposits | 67.5696% | 2,763 |
| Net loans and leases to core deposits | 70.6543% | 2,827 |
| Total domestic deposits to total assets | 88.3400% | 1,951 |
| Equity capital to assets | 7.3255% | 3,475 |
| Core capital (leverage) ratio | 8.7983% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6805% | 1,439 |
| Memoranda: | ||
| Average total assets | $1,028,678,000 | 958 |
| Average earning assets | $1,004,816,200 | 904 |
| Average equity | $76,530,000 | 1,170 |
| Average total loans | $550,960,000 | 1,102 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9456% | 3,991 |
| Cost of funding earning assets | 0.3932% | 1,337 |
| Net interest margin | 2.5524% | 4,162 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.2083% | 2,909 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.3786% | 4,272 |
| Return on assets (ROA) | 0.3691% | 4,235 |
| Pretax return on assets | 0.6373% | 3,922 |
| Return on Equity (ROE) | 4.9400% | 3,990 |
| Retained earnings to average equity (ytd only) | 3.2277% | 3,721 |
| Net charge-offs to loans | -0.0123% | 3,794 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.5704% | 1,030 |
| Assets per employee ($millions) | 8.2145% | 1,212 |
| Cash dividends to net income (ytd only)* | 34.7102% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 1,391 |
| Loan loss allowance to noncurrent loans | 408.0339% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 2,278 |
| Noncurrent loans to loans | 0.3597% | 1,945 |
| Net loans and leases to total assets | 54.3200% | 3,069 |
| Net loans and leases to deposits | 61.3932% | 3,080 |
| Net loans and leases to core deposits | 64.0968% | 3,106 |
| Total domestic deposits to total assets | 88.4900% | 2,277 |
| Equity capital to assets | 6.9212% | 3,558 |
| Core capital (leverage) ratio | 8.3685% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8423% | 1,475 |
| Memoranda: | ||
| Average total assets | $1,040,655,000 | 953 |
| Average earning assets | $1,017,583,750 | 902 |
| Average equity | $77,701,000 | 1,170 |
| Average total loans | $540,158,500 | 1,114 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6707% | 4,183 |
| Cost of funding earning assets | 0.3095% | 1,630 |
| Net interest margin | 2.3612% | 4,269 |
| Noninterest income to average assets | 0.3809% | 2,865 |
| Noninterest expense to average assets | 2.1484% | 3,005 |
| Loan and lease loss provision to assets | -0.0175% | 4,420 |
| Net operating income to assets | 0.4283% | 4,056 |
| Return on assets (ROA) | 0.4142% | 4,030 |
| Pretax return on assets | 0.5453% | 3,931 |
| Return on Equity (ROE) | 5.4203% | 3,727 |
| Retained earnings to average equity (ytd only) | 5.4203% | 2,547 |
| Net charge-offs to loans | -0.0232% | 3,943 |
| Credit loss provision to net charge-offs | 148.3871% | 1,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7442% | 965 |
| Assets per employee ($millions) | 8.2199% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 1,497 |
| Loan loss allowance to noncurrent loans | 239.1937% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 1,734 |
| Noncurrent loans to loans | 0.6129% | 1,388 |
| Net loans and leases to total assets | 51.2064% | 3,244 |
| Net loans and leases to deposits | 58.6737% | 3,164 |
| Net loans and leases to core deposits | 60.6954% | 3,221 |
| Total domestic deposits to total assets | 87.2731% | 2,843 |
| Equity capital to assets | 7.4231% | 3,519 |
| Core capital (leverage) ratio | 8.2095% | 4,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7079% | 1,252 |
| Memoranda: | ||
| Average total assets | $1,050,746,667 | 934 |
| Average earning assets | $1,029,386,667 | 895 |
| Average equity | $80,291,333 | 1,157 |
| Average total loans | $534,524,667 | 1,112 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4506% | 4,327 |
| Cost of funding earning assets | 0.3122% | 1,540 |
| Net interest margin | 2.1384% | 4,408 |
| Noninterest income to average assets | 0.3859% | 2,776 |
| Noninterest expense to average assets | 2.1470% | 2,990 |
| Loan and lease loss provision to assets | -0.0389% | 4,495 |
| Net operating income to assets | 0.2758% | 4,188 |
| Return on assets (ROA) | 0.2468% | 4,223 |
| Pretax return on assets | 0.3383% | 4,133 |
| Return on Equity (ROE) | 3.1855% | 4,050 |
| Retained earnings to average equity (ytd only) | 3.1855% | 3,199 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4667% | 711 |
| Assets per employee ($millions) | 8.5305% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5072% | 1,534 |
| Loan loss allowance to noncurrent loans | 263.5873% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 2,007 |
| Noncurrent loans to loans | 0.5718% | 1,614 |
| Net loans and leases to total assets | 48.2993% | 3,351 |
| Net loans and leases to deposits | 54.6180% | 3,367 |
| Net loans and leases to core deposits | 56.7111% | 3,396 |
| Total domestic deposits to total assets | 88.4311% | 2,326 |
| Equity capital to assets | 7.5091% | 3,931 |
| Core capital (leverage) ratio | 7.9756% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5080% | 1,141 |
| Memoranda: | ||
| Average total assets | $1,058,207,500 | 933 |
| Average earning assets | $1,037,769,000 | 897 |
| Average equity | $81,996,500 | 1,171 |
| Average total loans | $532,607,500 | 1,111 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9601% | 3,939 |
| Cost of funding earning assets | 0.4094% | 1,472 |
| Net interest margin | 2.5507% | 4,121 |
| Noninterest income to average assets | 0.3840% | 3,140 |
| Noninterest expense to average assets | 2.3688% | 2,590 |
| Loan and lease loss provision to assets | -0.0185% | 4,214 |
| Net operating income to assets | 0.4171% | 4,249 |
| Return on assets (ROA) | 0.4141% | 4,289 |
| Pretax return on assets | 0.5275% | 4,216 |
| Return on Equity (ROE) | 4.7563% | 4,052 |
| Retained earnings to average equity (ytd only) | 4.7563% | 2,891 |
| Net charge-offs to loans | -0.0332% | 4,163 |
| Credit loss provision to net charge-offs | 90.7692% | 1,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2023% | 662 |
| Assets per employee ($millions) | 8.9715% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 1,734 |
| Loan loss allowance to noncurrent loans | 265.8054% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 2,133 |
| Noncurrent loans to loans | 0.5453% | 1,761 |
| Net loans and leases to total assets | 50.8745% | 3,183 |
| Net loans and leases to deposits | 57.7539% | 3,277 |
| Net loans and leases to core deposits | 60.2001% | 3,301 |
| Total domestic deposits to total assets | 88.0884% | 2,001 |
| Equity capital to assets | 7.9879% | 4,368 |
| Core capital (leverage) ratio | 8.2271% | 4,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5850% | 1,146 |
| Memoranda: | ||
| Average total assets | $958,331,600 | 989 |
| Average earning assets | $938,414,800 | 957 |
| Average equity | $83,426,000 | 1,166 |
| Average total loans | $586,561,400 | 1,033 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1096% | 3,788 |
| Cost of funding earning assets | 0.4354% | 1,451 |
| Net interest margin | 2.6742% | 4,022 |
| Noninterest income to average assets | 0.3880% | 3,167 |
| Noninterest expense to average assets | 2.4703% | 2,206 |
| Loan and lease loss provision to assets | 0.0271% | 2,452 |
| Net operating income to assets | 0.3712% | 4,418 |
| Return on assets (ROA) | 0.3672% | 4,452 |
| Pretax return on assets | 0.5022% | 4,367 |
| Return on Equity (ROE) | 4.1214% | 4,282 |
| Retained earnings to average equity (ytd only) | 4.1214% | 3,537 |
| Net charge-offs to loans | 0.0042% | 2,192 |
| Credit loss provision to net charge-offs | 1,000.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 196.8947% | 558 |
| Efficiency ratio | 82.2128% | 621 |
| Assets per employee ($millions) | 8.2626% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 1,914 |
| Loan loss allowance to noncurrent loans | 117.3376% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.6771% | 1,111 |
| Noncurrent loans to loans | 1.2153% | 914 |
| Net loans and leases to total assets | 54.9163% | 2,860 |
| Net loans and leases to deposits | 62.4353% | 2,998 |
| Net loans and leases to core deposits | 65.6746% | 2,980 |
| Total domestic deposits to total assets | 87.9571% | 1,873 |
| Equity capital to assets | 8.2369% | 4,392 |
| Core capital (leverage) ratio | 8.6041% | 3,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0913% | 1,334 |
| Memoranda: | ||
| Average total assets | $933,255,500 | 1,021 |
| Average earning assets | $913,195,750 | 987 |
| Average equity | $83,141,750 | 1,187 |
| Average total loans | $596,577,500 | 1,034 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3319% | 3,354 |
| Cost of funding earning assets | 0.4475% | 1,538 |
| Net interest margin | 2.8844% | 3,615 |
| Noninterest income to average assets | 0.3920% | 3,142 |
| Noninterest expense to average assets | 2.5345% | 2,037 |
| Loan and lease loss provision to assets | -0.0278% | 4,461 |
| Net operating income to assets | 0.5153% | 4,190 |
| Return on assets (ROA) | 0.5106% | 4,240 |
| Pretax return on assets | 0.6994% | 4,066 |
| Return on Equity (ROE) | 5.5743% | 4,007 |
| Retained earnings to average equity (ytd only) | 5.5743% | 2,967 |
| Net charge-offs to loans | 0.0003% | 2,240 |
| Credit loss provision to net charge-offs | -12,600.0000% | 4,070 |
| Earnings coverage of net charge-offs (x) | 3,068.0000% | 25 |
| Efficiency ratio | 78.9054% | 852 |
| Assets per employee ($millions) | 7.6672% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 2,322 |
| Loan loss allowance to noncurrent loans | 72.7954% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.1146% | 647 |
| Noncurrent loans to loans | 1.8175% | 566 |
| Net loans and leases to total assets | 60.5141% | 2,361 |
| Net loans and leases to deposits | 68.9857% | 2,518 |
| Net loans and leases to core deposits | 74.6379% | 2,359 |
| Total domestic deposits to total assets | 87.7197% | 1,973 |
| Equity capital to assets | 8.7272% | 4,026 |
| Core capital (leverage) ratio | 8.9790% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3635% | 1,255 |
| Memoranda: | ||
| Average total assets | $905,572,333 | 1,044 |
| Average earning assets | $885,380,000 | 1,007 |
| Average equity | $82,951,667 | 1,185 |
| Average total loans | $606,706,333 | 1,022 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7063% | 2,342 |
| Cost of funding earning assets | 0.4520% | 1,706 |
| Net interest margin | 3.2542% | 2,536 |
| Noninterest income to average assets | 0.3940% | 3,117 |
| Noninterest expense to average assets | 2.6098% | 1,862 |
| Loan and lease loss provision to assets | -0.0678% | 4,678 |
| Net operating income to assets | 0.7515% | 3,571 |
| Return on assets (ROA) | 0.7512% | 3,642 |
| Pretax return on assets | 1.0287% | 3,294 |
| Return on Equity (ROE) | 7.9945% | 3,319 |
| Retained earnings to average equity (ytd only) | 7.9945% | 2,236 |
| Net charge-offs to loans | 0.0006% | 1,919 |
| Credit loss provision to net charge-offs | -14,900.0000% | 3,825 |
| Earnings coverage of net charge-offs (x) | 2,113.0000% | 35 |
| Efficiency ratio | 73.0794% | 1,397 |
| Assets per employee ($millions) | 7.5117% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,653 |
| Loan loss allowance to noncurrent loans | 100.5838% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.8411% | 1,058 |
| Noncurrent loans to loans | 1.2452% | 1,050 |
| Net loans and leases to total assets | 66.7027% | 1,701 |
| Net loans and leases to deposits | 76.5986% | 1,840 |
| Net loans and leases to core deposits | 83.5553% | 1,714 |
| Total domestic deposits to total assets | 87.0809% | 2,282 |
| Equity capital to assets | 9.0310% | 3,647 |
| Core capital (leverage) ratio | 9.5212% | 3,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0861% | 1,273 |
| Memoranda: | ||
| Average total assets | $879,157,500 | 1,063 |
| Average earning assets | $858,324,500 | 1,015 |
| Average equity | $82,606,500 | 1,179 |
| Average total loans | $616,187,500 | 998 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7673% | 3,401 |
| Cost of funding earning assets | 0.6496% | 1,993 |
| Net interest margin | 3.1177% | 3,589 |
| Noninterest income to average assets | 0.3802% | 3,211 |
| Noninterest expense to average assets | 2.5970% | 2,555 |
| Loan and lease loss provision to assets | 0.1108% | 2,962 |
| Net operating income to assets | 0.5702% | 3,844 |
| Return on assets (ROA) | 0.5565% | 3,984 |
| Pretax return on assets | 0.6768% | 3,935 |
| Return on Equity (ROE) | 5.7787% | 3,649 |
| Retained earnings to average equity (ytd only) | 5.7787% | 1,912 |
| Net charge-offs to loans | 0.0569% | 1,962 |
| Credit loss provision to net charge-offs | 272.0588% | 1,834 |
| Earnings coverage of net charge-offs (x) | 19.7559% | 1,963 |
| Efficiency ratio | 76.3544% | 1,186 |
| Assets per employee ($millions) | 7.0158% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 2,359 |
| Loan loss allowance to noncurrent loans | 87.0591% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.0978% | 834 |
| Noncurrent loans to loans | 1.5068% | 882 |
| Net loans and leases to total assets | 71.8972% | 1,301 |
| Net loans and leases to deposits | 83.5787% | 1,497 |
| Net loans and leases to core deposits | 92.4962% | 1,347 |
| Total domestic deposits to total assets | 86.0234% | 2,357 |
| Equity capital to assets | 9.7935% | 3,323 |
| Core capital (leverage) ratio | 9.9150% | 2,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0253% | 1,256 |
| Memoranda: | ||
| Average total assets | $835,193,000 | 1,020 |
| Average earning assets | $809,312,800 | 995 |
| Average equity | $80,433,400 | 1,152 |
| Average total loans | $597,039,800 | 986 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 3,307 |
| Cost of funding earning assets | 0.7083% | 1,978 |
| Net interest margin | 3.1756% | 3,553 |
| Noninterest income to average assets | 0.3687% | 3,245 |
| Noninterest expense to average assets | 2.5202% | 2,779 |
| Loan and lease loss provision to assets | 0.1502% | 2,520 |
| Net operating income to assets | 0.5663% | 3,866 |
| Return on assets (ROA) | 0.5503% | 3,997 |
| Pretax return on assets | 0.7502% | 3,777 |
| Return on Equity (ROE) | 5.7383% | 3,645 |
| Retained earnings to average equity (ytd only) | 5.7383% | 2,220 |
| Net charge-offs to loans | 0.0508% | 1,884 |
| Credit loss provision to net charge-offs | 415.4867% | 1,436 |
| Earnings coverage of net charge-offs (x) | 25.4690% | 1,722 |
| Efficiency ratio | 73.2416% | 1,486 |
| Assets per employee ($millions) | 6.9142% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 2,118 |
| Loan loss allowance to noncurrent loans | 94.5299% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.0336% | 1,058 |
| Noncurrent loans to loans | 1.3863% | 1,049 |
| Net loans and leases to total assets | 73.5776% | 1,426 |
| Net loans and leases to deposits | 86.1353% | 1,683 |
| Net loans and leases to core deposits | 95.3355% | 1,519 |
| Total domestic deposits to total assets | 85.4209% | 2,277 |
| Equity capital to assets | 9.7157% | 3,502 |
| Core capital (leverage) ratio | 9.8316% | 2,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6088% | 1,350 |
| Memoranda: | ||
| Average total assets | $833,518,500 | 1,011 |
| Average earning assets | $806,372,250 | 984 |
| Average equity | $79,929,000 | 1,151 |
| Average total loans | $592,964,250 | 983 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0586% | 3,165 |
| Cost of funding earning assets | 0.8242% | 1,708 |
| Net interest margin | 3.2345% | 3,569 |
| Noninterest income to average assets | 0.3676% | 3,273 |
| Noninterest expense to average assets | 2.4995% | 2,960 |
| Loan and lease loss provision to assets | 0.2436% | 1,727 |
| Net operating income to assets | 0.5493% | 3,887 |
| Return on assets (ROA) | 0.5297% | 4,016 |
| Pretax return on assets | 0.7253% | 3,811 |
| Return on Equity (ROE) | 5.5488% | 3,655 |
| Retained earnings to average equity (ytd only) | 5.5488% | 2,259 |
| Net charge-offs to loans | 0.0034% | 2,862 |
| Credit loss provision to net charge-offs | 10,140.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 413.6000% | 244 |
| Efficiency ratio | 71.5543% | 1,755 |
| Assets per employee ($millions) | 6.6940% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 1,948 |
| Loan loss allowance to noncurrent loans | 91.6919% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.1033% | 1,032 |
| Noncurrent loans to loans | 1.4293% | 1,078 |
| Net loans and leases to total assets | 76.1791% | 1,107 |
| Net loans and leases to deposits | 88.7165% | 1,484 |
| Net loans and leases to core deposits | 97.3929% | 1,465 |
| Total domestic deposits to total assets | 85.8680% | 2,077 |
| Equity capital to assets | 9.5729% | 3,586 |
| Core capital (leverage) ratio | 9.6838% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6095% | 1,598 |
| Memoranda: | ||
| Average total assets | $832,483,667 | 1,000 |
| Average earning assets | $804,457,667 | 967 |
| Average equity | $79,477,333 | 1,148 |
| Average total loans | $582,705,333 | 985 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9466% | 3,943 |
| Cost of funding earning assets | 1.0554% | 1,203 |
| Net interest margin | 2.8911% | 4,445 |
| Noninterest income to average assets | 0.3936% | 3,152 |
| Noninterest expense to average assets | 2.5088% | 3,247 |
| Loan and lease loss provision to assets | 0.3594% | 857 |
| Net operating income to assets | 0.2392% | 4,467 |
| Return on assets (ROA) | 0.2110% | 4,524 |
| Pretax return on assets | 0.2886% | 4,472 |
| Return on Equity (ROE) | 2.2131% | 4,403 |
| Retained earnings to average equity (ytd only) | 2.2131% | 3,365 |
| Net charge-offs to loans | 0.0022% | 2,513 |
| Credit loss provision to net charge-offs | 24,866.6667% | 22 |
| Earnings coverage of net charge-offs (x) | 473.0000% | 137 |
| Efficiency ratio | 78.5876% | 1,276 |
| Assets per employee ($millions) | 6.8426% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 1,423 |
| Loan loss allowance to noncurrent loans | 123.8714% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.8203% | 1,646 |
| Noncurrent loans to loans | 1.1928% | 1,372 |
| Net loans and leases to total assets | 67.7485% | 2,580 |
| Net loans and leases to deposits | 78.5613% | 2,827 |
| Net loans and leases to core deposits | 84.5433% | 2,804 |
| Total domestic deposits to total assets | 86.2366% | 1,901 |
| Equity capital to assets | 9.6826% | 4,059 |
| Core capital (leverage) ratio | 9.5113% | 3,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6569% | 1,698 |
| Memoranda: | ||
| Average total assets | $830,351,000 | 977 |
| Average earning assets | $803,839,000 | 940 |
| Average equity | $79,165,500 | 1,147 |
| Average total loans | $551,111,500 | 1,008 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3827% | 3,297 |
| Cost of funding earning assets | 1.1025% | 1,316 |
| Net interest margin | 3.2801% | 4,024 |
| Noninterest income to average assets | 0.4454% | 3,026 |
| Noninterest expense to average assets | 2.5933% | 3,194 |
| Loan and lease loss provision to assets | 0.0150% | 3,713 |
| Net operating income to assets | 0.8512% | 3,386 |
| Return on assets (ROA) | 0.8478% | 3,481 |
| Pretax return on assets | 1.0101% | 3,439 |
| Return on Equity (ROE) | 8.7818% | 2,850 |
| Retained earnings to average equity (ytd only) | 8.7818% | 768 |
| Net charge-offs to loans | -0.0142% | 4,559 |
| Credit loss provision to net charge-offs | -150.6329% | 4,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5886% | 1,931 |
| Assets per employee ($millions) | 7.3558% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 1,651 |
| Loan loss allowance to noncurrent loans | 113.3030% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 1.0193% | 1,221 |
| Noncurrent loans to loans | 1.2038% | 1,250 |
| Net loans and leases to total assets | 63.2314% | 3,287 |
| Net loans and leases to deposits | 74.1090% | 3,347 |
| Net loans and leases to core deposits | 79.8540% | 3,303 |
| Total domestic deposits to total assets | 85.3221% | 2,377 |
| Equity capital to assets | 9.3934% | 4,436 |
| Core capital (leverage) ratio | 9.8148% | 3,715 |
| Tier 1 risk-based capital ratio | 14.9395% | 2,805 |
| Total risk-based capital ratio | 16.1919% | 2,746 |
| Memoranda: | ||
| Average total assets | $790,993,400 | 982 |
| Average earning assets | $766,156,000 | 945 |
| Average equity | $76,362,600 | 1,127 |
| Average total loans | $554,764,200 | 973 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5218% | 2,987 |
| Cost of funding earning assets | 1.0989% | 1,363 |
| Net interest margin | 3.4229% | 3,799 |
| Noninterest income to average assets | 0.4558% | 2,987 |
| Noninterest expense to average assets | 2.6357% | 3,056 |
| Loan and lease loss provision to assets | 0.0738% | 2,412 |
| Net operating income to assets | 0.7913% | 3,698 |
| Return on assets (ROA) | 0.7906% | 3,777 |
| Pretax return on assets | 1.0623% | 3,404 |
| Return on Equity (ROE) | 8.1290% | 3,248 |
| Retained earnings to average equity (ytd only) | 8.1290% | 1,339 |
| Net charge-offs to loans | -0.0184% | 4,564 |
| Credit loss provision to net charge-offs | -557.1429% | 4,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8646% | 2,134 |
| Assets per employee ($millions) | 6.8167% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 1,570 |
| Loan loss allowance to noncurrent loans | 1,170.0301% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 3,132 |
| Noncurrent loans to loans | 0.1197% | 4,116 |
| Net loans and leases to total assets | 67.9721% | 2,795 |
| Net loans and leases to deposits | 80.7970% | 2,820 |
| Net loans and leases to core deposits | 88.4325% | 2,689 |
| Total domestic deposits to total assets | 84.1270% | 2,779 |
| Equity capital to assets | 9.7003% | 4,290 |
| Core capital (leverage) ratio | 9.9052% | 3,733 |
| Tier 1 risk-based capital ratio | 14.4762% | 3,085 |
| Total risk-based capital ratio | 15.7295% | 3,005 |
| Memoranda: | ||
| Average total assets | $775,423,750 | 1,000 |
| Average earning assets | $751,394,750 | 958 |
| Average equity | $75,415,500 | 1,134 |
| Average total loans | $556,706,000 | 968 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5600% | 2,804 |
| Cost of funding earning assets | 1.0795% | 1,383 |
| Net interest margin | 3.4805% | 3,655 |
| Noninterest income to average assets | 0.4683% | 2,855 |
| Noninterest expense to average assets | 2.6932% | 2,929 |
| Loan and lease loss provision to assets | 0.1086% | 1,725 |
| Net operating income to assets | 0.7618% | 3,784 |
| Return on assets (ROA) | 0.7608% | 3,855 |
| Pretax return on assets | 1.0426% | 3,411 |
| Return on Equity (ROE) | 7.8154% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.8154% | 1,464 |
| Net charge-offs to loans | -0.0283% | 4,662 |
| Credit loss provision to net charge-offs | -526.5823% | 4,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0306% | 2,222 |
| Assets per employee ($millions) | 6.5852% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 1,670 |
| Loan loss allowance to noncurrent loans | 908.4309% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 3,023 |
| Noncurrent loans to loans | 0.1526% | 4,000 |
| Net loans and leases to total assets | 69.2678% | 2,634 |
| Net loans and leases to deposits | 82.2862% | 2,699 |
| Net loans and leases to core deposits | 92.0310% | 2,417 |
| Total domestic deposits to total assets | 84.1791% | 2,786 |
| Equity capital to assets | 9.5706% | 4,338 |
| Core capital (leverage) ratio | 9.8260% | 3,794 |
| Tier 1 risk-based capital ratio | 14.1642% | 3,235 |
| Total risk-based capital ratio | 15.4176% | 3,148 |
| Memoranda: | ||
| Average total assets | $765,773,000 | 1,011 |
| Average earning assets | $743,109,000 | 970 |
| Average equity | $74,545,000 | 1,143 |
| Average total loans | $557,434,670 | 966 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 2,860 |
| Cost of funding earning assets | 1.0152% | 1,504 |
| Net interest margin | 3.4857% | 3,632 |
| Noninterest income to average assets | 0.4281% | 2,989 |
| Noninterest expense to average assets | 2.7580% | 2,713 |
| Loan and lease loss provision to assets | 0.2069% | 766 |
| Net operating income to assets | 0.6201% | 4,181 |
| Return on assets (ROA) | 0.6201% | 4,221 |
| Pretax return on assets | 0.8498% | 3,920 |
| Return on Equity (ROE) | 6.3131% | 3,912 |
| Retained earnings to average equity (ytd only) | 6.3131% | 2,314 |
| Net charge-offs to loans | -0.0539% | 4,859 |
| Credit loss provision to net charge-offs | -517.3333% | 3,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2991% | 1,991 |
| Assets per employee ($millions) | 6.4158% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 1,713 |
| Loan loss allowance to noncurrent loans | 353.1079% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 3,475 |
| Noncurrent loans to loans | 0.3936% | 3,179 |
| Net loans and leases to total assets | 70.6030% | 2,389 |
| Net loans and leases to deposits | 84.2329% | 2,362 |
| Net loans and leases to core deposits | 94.5430% | 2,077 |
| Total domestic deposits to total assets | 83.8189% | 3,113 |
| Equity capital to assets | 9.5752% | 4,187 |
| Core capital (leverage) ratio | 10.1168% | 3,468 |
| Tier 1 risk-based capital ratio | 14.0863% | 3,300 |
| Total risk-based capital ratio | 15.3397% | 3,221 |
| Memoranda: | ||
| Average total assets | $750,253,000 | 1,028 |
| Average earning assets | $728,916,500 | 985 |
| Average equity | $73,687,500 | 1,152 |
| Average total loans | $556,305,500 | 968 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2854% | 3,165 |
| Cost of funding earning assets | 0.6793% | 2,216 |
| Net interest margin | 3.6062% | 3,362 |
| Noninterest income to average assets | 0.4394% | 3,172 |
| Noninterest expense to average assets | 2.6183% | 3,277 |
| Loan and lease loss provision to assets | 0.1138% | 1,934 |
| Net operating income to assets | 0.9650% | 3,157 |
| Return on assets (ROA) | 0.9622% | 3,170 |
| Pretax return on assets | 1.1985% | 2,884 |
| Return on Equity (ROE) | 9.8622% | 2,572 |
| Retained earnings to average equity (ytd only) | 9.8622% | 642 |
| Net charge-offs to loans | 0.0538% | 2,378 |
| Credit loss provision to net charge-offs | 280.2768% | 1,083 |
| Earnings coverage of net charge-offs (x) | 32.3979% | 1,519 |
| Efficiency ratio | 66.5535% | 2,775 |
| Assets per employee ($millions) | 6.1372% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 2,019 |
| Loan loss allowance to noncurrent loans | 252.4505% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.3973% | 2,965 |
| Noncurrent loans to loans | 0.5167% | 2,731 |
| Net loans and leases to total assets | 75.8805% | 1,636 |
| Net loans and leases to deposits | 90.8406% | 1,693 |
| Net loans and leases to core deposits | 100.1787% | 1,706 |
| Total domestic deposits to total assets | 83.5315% | 3,152 |
| Equity capital to assets | 10.0860% | 3,587 |
| Core capital (leverage) ratio | 10.4169% | 3,122 |
| Tier 1 risk-based capital ratio | 13.7537% | 3,413 |
| Total risk-based capital ratio | 15.0054% | 3,338 |
| Memoranda: | ||
| Average total assets | $711,576,800 | 1,048 |
| Average earning assets | $689,571,400 | 999 |
| Average equity | $69,426,600 | 1,167 |
| Average total loans | $537,014,800 | 970 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 3,107 |
| Cost of funding earning assets | 0.6181% | 2,356 |
| Net interest margin | 3.6447% | 3,208 |
| Noninterest income to average assets | 0.4323% | 3,268 |
| Noninterest expense to average assets | 2.6053% | 3,267 |
| Loan and lease loss provision to assets | 0.1238% | 1,622 |
| Net operating income to assets | 0.8957% | 3,551 |
| Return on assets (ROA) | 0.8957% | 3,557 |
| Pretax return on assets | 1.2333% | 2,874 |
| Return on Equity (ROE) | 9.2599% | 2,976 |
| Retained earnings to average equity (ytd only) | 9.2599% | 1,130 |
| Net charge-offs to loans | 0.0717% | 1,812 |
| Credit loss provision to net charge-offs | 230.0699% | 1,250 |
| Earnings coverage of net charge-offs (x) | 25.2135% | 1,784 |
| Efficiency ratio | 65.7500% | 2,916 |
| Assets per employee ($millions) | 5.8991% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 1,955 |
| Loan loss allowance to noncurrent loans | 215.0544% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4712% | 2,801 |
| Noncurrent loans to loans | 0.6194% | 2,538 |
| Net loans and leases to total assets | 75.0682% | 1,799 |
| Net loans and leases to deposits | 89.8799% | 1,919 |
| Net loans and leases to core deposits | 98.3491% | 1,907 |
| Total domestic deposits to total assets | 83.5206% | 3,114 |
| Equity capital to assets | 10.0906% | 3,548 |
| Core capital (leverage) ratio | 10.3245% | 3,263 |
| Tier 1 risk-based capital ratio | 13.8376% | 3,450 |
| Total risk-based capital ratio | 15.0897% | 3,355 |
| Memoranda: | ||
| Average total assets | $708,422,250 | 1,047 |
| Average earning assets | $686,166,500 | 1,002 |
| Average equity | $68,522,750 | 1,179 |
| Average total loans | $532,072,000 | 980 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 3,033 |
| Cost of funding earning assets | 0.5639% | 2,484 |
| Net interest margin | 3.6617% | 3,072 |
| Noninterest income to average assets | 0.4214% | 3,343 |
| Noninterest expense to average assets | 2.5912% | 3,353 |
| Loan and lease loss provision to assets | 0.0977% | 1,985 |
| Net operating income to assets | 0.9207% | 3,366 |
| Return on assets (ROA) | 0.9207% | 3,368 |
| Pretax return on assets | 1.2804% | 2,589 |
| Return on Equity (ROE) | 9.6558% | 2,734 |
| Retained earnings to average equity (ytd only) | 9.6558% | 1,024 |
| Net charge-offs to loans | 0.0463% | 1,951 |
| Credit loss provision to net charge-offs | 282.1138% | 1,053 |
| Earnings coverage of net charge-offs (x) | 39.8049% | 1,305 |
| Efficiency ratio | 65.2815% | 3,101 |
| Assets per employee ($millions) | 5.7743% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 2,230 |
| Loan loss allowance to noncurrent loans | 227.0535% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 2,982 |
| Noncurrent loans to loans | 0.5670% | 2,715 |
| Net loans and leases to total assets | 75.8138% | 1,666 |
| Net loans and leases to deposits | 88.8456% | 2,005 |
| Net loans and leases to core deposits | 92.9393% | 2,314 |
| Total domestic deposits to total assets | 85.3320% | 2,553 |
| Equity capital to assets | 9.8412% | 3,779 |
| Core capital (leverage) ratio | 9.8536% | 3,733 |
| Tier 1 risk-based capital ratio | 13.3266% | 3,718 |
| Total risk-based capital ratio | 14.5781% | 3,637 |
| Memoranda: | ||
| Average total assets | $710,565,670 | 1,046 |
| Average earning assets | $688,476,670 | 996 |
| Average equity | $67,752,000 | 1,188 |
| Average total loans | $531,400,330 | 985 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1692% | 2,994 |
| Cost of funding earning assets | 0.5138% | 2,694 |
| Net interest margin | 3.6555% | 2,968 |
| Noninterest income to average assets | 0.4221% | 3,303 |
| Noninterest expense to average assets | 2.5700% | 3,427 |
| Loan and lease loss provision to assets | 0.0376% | 2,996 |
| Net operating income to assets | 0.9619% | 3,026 |
| Return on assets (ROA) | 0.9619% | 3,043 |
| Pretax return on assets | 1.3559% | 2,167 |
| Return on Equity (ROE) | 10.2503% | 2,301 |
| Retained earnings to average equity (ytd only) | 10.2503% | 1,085 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8423% | 3,346 |
| Assets per employee ($millions) | 6.0625% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 2,332 |
| Loan loss allowance to noncurrent loans | 299.5601% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 3,582 |
| Noncurrent loans to loans | 0.4276% | 3,255 |
| Net loans and leases to total assets | 72.1355% | 2,149 |
| Net loans and leases to deposits | 84.2324% | 2,365 |
| Net loans and leases to core deposits | 87.4659% | 2,684 |
| Total domestic deposits to total assets | 85.6387% | 2,699 |
| Equity capital to assets | 9.3195% | 4,251 |
| Core capital (leverage) ratio | 9.6950% | 3,855 |
| Tier 1 risk-based capital ratio | 13.1956% | 3,851 |
| Total risk-based capital ratio | 14.4469% | 3,743 |
| Memoranda: | ||
| Average total assets | $713,615,000 | 1,049 |
| Average earning assets | $691,348,000 | 1,004 |
| Average equity | $66,964,000 | 1,210 |
| Average total loans | $526,576,000 | 998 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 3,637 |
| Cost of funding earning assets | 0.3694% | 3,522 |
| Net interest margin | 3.5596% | 3,302 |
| Noninterest income to average assets | 0.4480% | 3,325 |
| Noninterest expense to average assets | 2.5221% | 3,707 |
| Loan and lease loss provision to assets | 0.2502% | 746 |
| Net operating income to assets | 0.5736% | 4,125 |
| Return on assets (ROA) | 0.5679% | 4,187 |
| Pretax return on assets | 1.0961% | 3,200 |
| Return on Equity (ROE) | 6.0960% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.0960% | 1,484 |
| Net charge-offs to loans | -0.0095% | 4,780 |
| Credit loss provision to net charge-offs | -3,711.1111% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0487% | 3,437 |
| Assets per employee ($millions) | 5.9806% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 2,251 |
| Loan loss allowance to noncurrent loans | 189.0384% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 2,862 |
| Noncurrent loans to loans | 0.6839% | 2,503 |
| Net loans and leases to total assets | 73.5732% | 1,990 |
| Net loans and leases to deposits | 88.0368% | 2,013 |
| Net loans and leases to core deposits | 90.5809% | 2,505 |
| Total domestic deposits to total assets | 83.5710% | 3,369 |
| Equity capital to assets | 9.4506% | 4,270 |
| Core capital (leverage) ratio | 9.5386% | 3,993 |
| Tier 1 risk-based capital ratio | 13.1977% | 3,794 |
| Total risk-based capital ratio | 14.4495% | 3,714 |
| Memoranda: | ||
| Average total assets | $667,377,000 | 1,097 |
| Average earning assets | $642,928,800 | 1,044 |
| Average equity | $62,172,400 | 1,272 |
| Average total loans | $472,876,200 | 1,083 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 3,803 |
| Cost of funding earning assets | 0.3565% | 3,607 |
| Net interest margin | 3.5016% | 3,498 |
| Noninterest income to average assets | 0.4263% | 3,509 |
| Noninterest expense to average assets | 2.5285% | 3,636 |
| Loan and lease loss provision to assets | 0.2443% | 709 |
| Net operating income to assets | 0.6200% | 4,315 |
| Return on assets (ROA) | 0.6124% | 4,389 |
| Pretax return on assets | 1.0124% | 3,639 |
| Return on Equity (ROE) | 6.5986% | 3,860 |
| Retained earnings to average equity (ytd only) | 6.5986% | 1,908 |
| Net charge-offs to loans | -0.0124% | 4,698 |
| Credit loss provision to net charge-offs | -2,809.3023% | 5,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5903% | 3,108 |
| Assets per employee ($millions) | 6.2654% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,532 |
| Loan loss allowance to noncurrent loans | 452.0518% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1962% | 4,313 |
| Noncurrent loans to loans | 0.2805% | 3,946 |
| Net loans and leases to total assets | 69.0600% | 2,685 |
| Net loans and leases to deposits | 81.9402% | 2,784 |
| Net loans and leases to core deposits | 84.2715% | 3,108 |
| Total domestic deposits to total assets | 84.2810% | 3,005 |
| Equity capital to assets | 9.2450% | 4,690 |
| Core capital (leverage) ratio | 9.5934% | 4,042 |
| Tier 1 risk-based capital ratio | 13.5192% | 3,690 |
| Total risk-based capital ratio | 14.7706% | 3,603 |
| Memoranda: | ||
| Average total assets | $659,289,750 | 1,110 |
| Average earning assets | $634,672,250 | 1,066 |
| Average equity | $61,183,500 | 1,298 |
| Average total loans | $460,706,750 | 1,108 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7520% | 4,067 |
| Cost of funding earning assets | 0.3347% | 3,751 |
| Net interest margin | 3.4172% | 3,710 |
| Noninterest income to average assets | 0.3888% | 3,757 |
| Noninterest expense to average assets | 2.5261% | 3,672 |
| Loan and lease loss provision to assets | 0.3770% | 372 |
| Net operating income to assets | 0.4826% | 4,749 |
| Return on assets (ROA) | 0.4709% | 4,816 |
| Pretax return on assets | 0.7598% | 4,405 |
| Return on Equity (ROE) | 5.0669% | 4,453 |
| Retained earnings to average equity (ytd only) | 5.0669% | 2,670 |
| Net charge-offs to loans | -0.0174% | 4,722 |
| Credit loss provision to net charge-offs | -3,107.6923% | 5,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6212% | 2,902 |
| Assets per employee ($millions) | 5.5033% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 2,382 |
| Loan loss allowance to noncurrent loans | 244.6046% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 3,512 |
| Noncurrent loans to loans | 0.5338% | 3,160 |
| Net loans and leases to total assets | 73.7072% | 1,924 |
| Net loans and leases to deposits | 88.6550% | 1,905 |
| Net loans and leases to core deposits | 91.3217% | 2,392 |
| Total domestic deposits to total assets | 83.1393% | 3,522 |
| Equity capital to assets | 9.9280% | 3,994 |
| Core capital (leverage) ratio | 10.0254% | 3,509 |
| Tier 1 risk-based capital ratio | 14.1412% | 3,348 |
| Total risk-based capital ratio | 15.3940% | 3,261 |
| Memoranda: | ||
| Average total assets | $643,054,670 | 1,139 |
| Average earning assets | $619,568,330 | 1,089 |
| Average equity | $59,760,000 | 1,322 |
| Average total loans | $449,202,330 | 1,136 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 4,093 |
| Cost of funding earning assets | 0.3204% | 3,848 |
| Net interest margin | 3.3891% | 3,685 |
| Noninterest income to average assets | 0.6760% | 2,058 |
| Noninterest expense to average assets | 2.8993% | 2,457 |
| Loan and lease loss provision to assets | 0.2683% | 545 |
| Net operating income to assets | 0.4878% | 4,647 |
| Return on assets (ROA) | 0.4643% | 4,746 |
| Pretax return on assets | 0.7370% | 4,318 |
| Return on Equity (ROE) | 5.1736% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.1736% | 2,798 |
| Net charge-offs to loans | -0.0074% | 4,301 |
| Credit loss provision to net charge-offs | -5,387.5000% | 4,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5629% | 2,307 |
| Assets per employee ($millions) | 5.0067% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,841 |
| Loan loss allowance to noncurrent loans | 203.2342% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 3,564 |
| Noncurrent loans to loans | 0.6141% | 2,983 |
| Net loans and leases to total assets | 65.4524% | 3,053 |
| Net loans and leases to deposits | 78.8554% | 2,883 |
| Net loans and leases to core deposits | 80.2861% | 3,268 |
| Total domestic deposits to total assets | 83.0030% | 3,839 |
| Equity capital to assets | 9.5398% | 4,240 |
| Core capital (leverage) ratio | 10.1129% | 3,363 |
| Tier 1 risk-based capital ratio | 15.3033% | 2,835 |
| Total risk-based capital ratio | 16.5557% | 2,763 |
| Memoranda: | ||
| Average total assets | $642,640,500 | 1,139 |
| Average earning assets | $619,153,500 | 1,091 |
| Average equity | $57,677,500 | 1,363 |
| Average total loans | $433,370,000 | 1,174 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4624% | 4,868 |
| Cost of funding earning assets | 0.2890% | 4,182 |
| Net interest margin | 3.1734% | 4,525 |
| Noninterest income to average assets | 0.5263% | 3,048 |
| Noninterest expense to average assets | 2.6825% | 3,399 |
| Loan and lease loss provision to assets | 0.2255% | 966 |
| Net operating income to assets | 0.4595% | 4,771 |
| Return on assets (ROA) | 0.4501% | 4,876 |
| Pretax return on assets | 0.6681% | 4,592 |
| Return on Equity (ROE) | 5.5094% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.5094% | 2,007 |
| Net charge-offs to loans | -0.0036% | 4,764 |
| Credit loss provision to net charge-offs | -10,746.1538% | 5,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7178% | 2,179 |
| Assets per employee ($millions) | 5.6764% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 3,288 |
| Loan loss allowance to noncurrent loans | 132.1419% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6094% | 2,902 |
| Noncurrent loans to loans | 0.8875% | 2,326 |
| Net loans and leases to total assets | 67.8544% | 2,794 |
| Net loans and leases to deposits | 82.1586% | 2,652 |
| Net loans and leases to core deposits | 83.7844% | 3,047 |
| Total domestic deposits to total assets | 82.5895% | 3,902 |
| Equity capital to assets | 8.3773% | 5,364 |
| Core capital (leverage) ratio | 8.4367% | 5,331 |
| Tier 1 risk-based capital ratio | 12.7577% | 4,228 |
| Total risk-based capital ratio | 14.0082% | 4,120 |
| Memoranda: | ||
| Average total assets | $619,390,600 | 1,130 |
| Average earning assets | $597,997,600 | 1,092 |
| Average equity | $50,604,600 | 1,500 |
| Average total loans | $358,637,000 | 1,309 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3874% | 5,051 |
| Cost of funding earning assets | 0.2977% | 4,122 |
| Net interest margin | 3.0897% | 4,799 |
| Noninterest income to average assets | 0.5190% | 3,124 |
| Noninterest expense to average assets | 2.6720% | 3,421 |
| Loan and lease loss provision to assets | 0.1967% | 1,084 |
| Net operating income to assets | 0.3948% | 5,035 |
| Return on assets (ROA) | 0.3811% | 5,173 |
| Pretax return on assets | 0.6147% | 4,838 |
| Return on Equity (ROE) | 4.6951% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.6951% | 3,022 |
| Net charge-offs to loans | -0.0250% | 5,084 |
| Credit loss provision to net charge-offs | -1,425.0000% | 5,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2385% | 1,942 |
| Assets per employee ($millions) | 5.7808% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 3,286 |
| Loan loss allowance to noncurrent loans | 141.0500% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.5030% | 3,434 |
| Noncurrent loans to loans | 0.8454% | 2,569 |
| Net loans and leases to total assets | 58.7974% | 4,014 |
| Net loans and leases to deposits | 70.2003% | 3,969 |
| Net loans and leases to core deposits | 71.4153% | 4,215 |
| Total domestic deposits to total assets | 83.7567% | 3,293 |
| Equity capital to assets | 7.9341% | 5,761 |
| Core capital (leverage) ratio | 8.2628% | 5,526 |
| Tier 1 risk-based capital ratio | 13.7456% | 3,710 |
| Total risk-based capital ratio | 14.9958% | 3,626 |
| Memoranda: | ||
| Average total assets | $618,138,500 | 1,137 |
| Average earning assets | $597,369,250 | 1,092 |
| Average equity | $50,178,750 | 1,523 |
| Average total loans | $341,122,000 | 1,367 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4216% | 5,034 |
| Cost of funding earning assets | 0.3034% | 4,084 |
| Net interest margin | 3.1182% | 4,781 |
| Noninterest income to average assets | 0.5194% | 3,074 |
| Noninterest expense to average assets | 2.6412% | 3,570 |
| Loan and lease loss provision to assets | 0.1686% | 1,320 |
| Net operating income to assets | 0.4039% | 5,022 |
| Return on assets (ROA) | 0.3820% | 5,170 |
| Pretax return on assets | 0.6894% | 4,654 |
| Return on Equity (ROE) | 4.6684% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.6684% | 2,936 |
| Net charge-offs to loans | -0.0337% | 5,181 |
| Credit loss provision to net charge-offs | -932.7273% | 5,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7488% | 2,253 |
| Assets per employee ($millions) | 5.5239% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 3,495 |
| Loan loss allowance to noncurrent loans | 111.3002% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.6134% | 3,179 |
| Noncurrent loans to loans | 1.0556% | 2,176 |
| Net loans and leases to total assets | 57.4229% | 4,178 |
| Net loans and leases to deposits | 71.3831% | 3,846 |
| Net loans and leases to core deposits | 72.7444% | 4,112 |
| Total domestic deposits to total assets | 80.4432% | 4,432 |
| Equity capital to assets | 8.2798% | 5,704 |
| Core capital (leverage) ratio | 8.4435% | 5,408 |
| Tier 1 risk-based capital ratio | 14.3564% | 3,399 |
| Total risk-based capital ratio | 15.5690% | 3,348 |
| Memoranda: | ||
| Average total assets | $608,366,330 | 1,163 |
| Average earning assets | $588,025,330 | 1,113 |
| Average equity | $49,781,670 | 1,530 |
| Average total loans | $326,402,330 | 1,429 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2624% | 5,390 |
| Cost of funding earning assets | 0.3064% | 4,094 |
| Net interest margin | 2.9560% | 5,208 |
| Noninterest income to average assets | 0.6165% | 2,433 |
| Noninterest expense to average assets | 2.6120% | 3,715 |
| Loan and lease loss provision to assets | 0.0495% | 2,939 |
| Net operating income to assets | 0.4578% | 4,800 |
| Return on assets (ROA) | 0.4244% | 4,997 |
| Pretax return on assets | 0.7624% | 4,334 |
| Return on Equity (ROE) | 5.2183% | 4,380 |
| Retained earnings to average equity (ytd only) | 5.2183% | 2,804 |
| Net charge-offs to loans | -0.1361% | 5,744 |
| Credit loss provision to net charge-offs | -70.7547% | 4,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1424% | 2,305 |
| Assets per employee ($millions) | 5.6483% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 3,510 |
| Loan loss allowance to noncurrent loans | 574.7352% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 5,147 |
| Noncurrent loans to loans | 0.2079% | 4,678 |
| Net loans and leases to total assets | 51.0153% | 4,724 |
| Net loans and leases to deposits | 63.3460% | 4,480 |
| Net loans and leases to core deposits | 64.8719% | 4,633 |
| Total domestic deposits to total assets | 80.5344% | 4,623 |
| Equity capital to assets | 8.1172% | 5,778 |
| Core capital (leverage) ratio | 8.5233% | 5,371 |
| Tier 1 risk-based capital ratio | 15.5447% | 2,893 |
| Total risk-based capital ratio | 16.7649% | 2,843 |
| Memoranda: | ||
| Average total assets | $605,973,000 | 1,167 |
| Average earning assets | $586,200,000 | 1,115 |
| Average equity | $49,288,500 | 1,542 |
| Average total loans | $311,465,500 | 1,472 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9900% | 5,736 |
| Cost of funding earning assets | 0.2965% | 4,289 |
| Net interest margin | 2.6935% | 5,650 |
| Noninterest income to average assets | 0.4327% | 3,801 |
| Noninterest expense to average assets | 2.2259% | 4,990 |
| Loan and lease loss provision to assets | 0.1422% | 1,670 |
| Net operating income to assets | 0.4071% | 5,033 |
| Return on assets (ROA) | 0.3879% | 5,170 |
| Pretax return on assets | 0.6451% | 4,687 |
| Return on Equity (ROE) | 4.9341% | 4,536 |
| Retained earnings to average equity (ytd only) | 4.9341% | 2,463 |
| Net charge-offs to loans | -0.0034% | 4,926 |
| Credit loss provision to net charge-offs | -9,522.2222% | 5,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1461% | 2,721 |
| Assets per employee ($millions) | 5.9038% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 3,559 |
| Loan loss allowance to noncurrent loans | 600.0000% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 5,201 |
| Noncurrent loans to loans | 0.1977% | 4,704 |
| Net loans and leases to total assets | 50.5518% | 4,820 |
| Net loans and leases to deposits | 63.3041% | 4,522 |
| Net loans and leases to core deposits | 64.9608% | 4,675 |
| Total domestic deposits to total assets | 79.8554% | 4,777 |
| Equity capital to assets | 8.1509% | 5,784 |
| Core capital (leverage) ratio | 8.4087% | 5,517 |
| Tier 1 risk-based capital ratio | 15.5016% | 2,929 |
| Total risk-based capital ratio | 16.6418% | 2,925 |
| Memoranda: | ||
| Average total assets | $602,671,200 | 1,126 |
| Average earning assets | $584,083,200 | 1,070 |
| Average equity | $47,384,200 | 1,563 |
| Average total loans | $267,976,400 | 1,629 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9045% | 5,890 |
| Cost of funding earning assets | 0.2978% | 4,365 |
| Net interest margin | 2.6068% | 5,831 |
| Noninterest income to average assets | 0.4468% | 3,736 |
| Noninterest expense to average assets | 2.2133% | 5,023 |
| Loan and lease loss provision to assets | 0.0814% | 2,543 |
| Net operating income to assets | 0.4164% | 5,102 |
| Return on assets (ROA) | 0.3919% | 5,285 |
| Pretax return on assets | 0.6423% | 4,854 |
| Return on Equity (ROE) | 5.0296% | 4,615 |
| Retained earnings to average equity (ytd only) | 5.0296% | 2,896 |
| Net charge-offs to loans | -0.0031% | 4,754 |
| Credit loss provision to net charge-offs | -6,150.0000% | 5,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3864% | 2,488 |
| Assets per employee ($millions) | 6.1230% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 3,891 |
| Loan loss allowance to noncurrent loans | 475.2280% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 5,316 |
| Noncurrent loans to loans | 0.2434% | 4,702 |
| Net loans and leases to total assets | 43.6370% | 5,377 |
| Net loans and leases to deposits | 53.5570% | 5,280 |
| Net loans and leases to core deposits | 55.0236% | 5,354 |
| Total domestic deposits to total assets | 81.4776% | 4,334 |
| Equity capital to assets | 7.9477% | 5,976 |
| Core capital (leverage) ratio | 8.3660% | 5,658 |
| Tier 1 risk-based capital ratio | 16.6388% | 2,506 |
| Total risk-based capital ratio | 17.7159% | 2,553 |
| Memoranda: | ||
| Average total assets | $604,269,000 | 1,135 |
| Average earning assets | $586,148,500 | 1,073 |
| Average equity | $47,079,750 | 1,578 |
| Average total loans | $258,708,500 | 1,687 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8500% | 5,984 |
| Cost of funding earning assets | 0.3016% | 4,381 |
| Net interest margin | 2.5484% | 5,924 |
| Noninterest income to average assets | 0.4475% | 3,726 |
| Noninterest expense to average assets | 2.2188% | 5,060 |
| Loan and lease loss provision to assets | 0.0785% | 2,552 |
| Net operating income to assets | 0.3805% | 5,202 |
| Return on assets (ROA) | 0.3624% | 5,366 |
| Pretax return on assets | 0.5941% | 4,988 |
| Return on Equity (ROE) | 4.6830% | 4,753 |
| Retained earnings to average equity (ytd only) | 4.6830% | 3,062 |
| Net charge-offs to loans | -0.0008% | 4,553 |
| Credit loss provision to net charge-offs | -23,600.0000% | 5,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9964% | 2,358 |
| Assets per employee ($millions) | 6.1334% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 4,327 |
| Loan loss allowance to noncurrent loans | 447.4551% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 5,413 |
| Noncurrent loans to loans | 0.2457% | 4,779 |
| Net loans and leases to total assets | 45.1992% | 5,306 |
| Net loans and leases to deposits | 55.8865% | 5,124 |
| Net loans and leases to core deposits | 57.4251% | 5,224 |
| Total domestic deposits to total assets | 80.8767% | 4,643 |
| Equity capital to assets | 7.9290% | 6,013 |
| Core capital (leverage) ratio | 8.1869% | 5,797 |
| Tier 1 risk-based capital ratio | 16.2615% | 2,730 |
| Total risk-based capital ratio | 17.2783% | 2,801 |
| Memoranda: | ||
| Average total assets | $601,591,330 | 1,148 |
| Average earning assets | $583,587,000 | 1,082 |
| Average equity | $46,551,670 | 1,607 |
| Average total loans | $254,839,000 | 1,714 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8223% | 6,053 |
| Cost of funding earning assets | 0.3028% | 4,412 |
| Net interest margin | 2.5195% | 5,996 |
| Noninterest income to average assets | 0.4311% | 3,757 |
| Noninterest expense to average assets | 2.2383% | 5,047 |
| Loan and lease loss provision to assets | 0.0635% | 2,659 |
| Net operating income to assets | 0.3527% | 5,243 |
| Return on assets (ROA) | 0.3485% | 5,370 |
| Pretax return on assets | 0.5713% | 4,995 |
| Return on Equity (ROE) | 4.5587% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.5587% | 3,293 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7268% | 2,227 |
| Assets per employee ($millions) | 6.3610% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 4,267 |
| Loan loss allowance to noncurrent loans | 409.7842% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 5,495 |
| Noncurrent loans to loans | 0.2802% | 4,779 |
| Net loans and leases to total assets | 40.1517% | 5,593 |
| Net loans and leases to deposits | 50.0660% | 5,456 |
| Net loans and leases to core deposits | 51.7663% | 5,506 |
| Total domestic deposits to total assets | 80.1976% | 5,012 |
| Equity capital to assets | 7.7051% | 6,123 |
| Core capital (leverage) ratio | 8.3224% | 5,702 |
| Tier 1 risk-based capital ratio | 17.3508% | 2,355 |
| Total risk-based capital ratio | 18.4085% | 2,377 |
| Memoranda: | ||
| Average total assets | $604,917,000 | 1,143 |
| Average earning assets | $587,899,000 | 1,081 |
| Average equity | $46,241,000 | 1,617 |
| Average total loans | $246,310,000 | 1,766 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0421% | 6,014 |
| Cost of funding earning assets | 0.3626% | 4,112 |
| Net interest margin | 2.6795% | 5,971 |
| Noninterest income to average assets | 0.4848% | 3,621 |
| Noninterest expense to average assets | 2.2830% | 5,152 |
| Loan and lease loss provision to assets | 0.0921% | 2,626 |
| Net operating income to assets | 0.4416% | 5,056 |
| Return on assets (ROA) | 0.3829% | 5,346 |
| Pretax return on assets | 0.6101% | 4,911 |
| Return on Equity (ROE) | 5.0913% | 4,614 |
| Retained earnings to average equity (ytd only) | 5.0913% | 2,530 |
| Net charge-offs to loans | 0.0293% | 4,238 |
| Credit loss provision to net charge-offs | 770.1493% | 351 |
| Earnings coverage of net charge-offs (x) | 66.4030% | 737 |
| Efficiency ratio | 74.1997% | 2,804 |
| Assets per employee ($millions) | 6.3071% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 4,418 |
| Loan loss allowance to noncurrent loans | 378.5420% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 5,545 |
| Noncurrent loans to loans | 0.2972% | 4,783 |
| Net loans and leases to total assets | 40.3605% | 5,720 |
| Net loans and leases to deposits | 50.3747% | 5,565 |
| Net loans and leases to core deposits | 52.1777% | 5,606 |
| Total domestic deposits to total assets | 80.1205% | 4,982 |
| Equity capital to assets | 7.5821% | 6,213 |
| Core capital (leverage) ratio | 8.3137% | 5,762 |
| Tier 1 risk-based capital ratio | 16.7684% | 2,612 |
| Total risk-based capital ratio | 17.7845% | 2,645 |
| Memoranda: | ||
| Average total assets | $560,445,000 | 1,183 |
| Average earning assets | $542,155,800 | 1,117 |
| Average equity | $42,150,600 | 1,701 |
| Average total loans | $229,006,600 | 1,829 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0596% | 6,077 |
| Cost of funding earning assets | 0.3442% | 4,405 |
| Net interest margin | 2.7154% | 5,986 |
| Noninterest income to average assets | 0.4987% | 3,557 |
| Noninterest expense to average assets | 2.3315% | 5,020 |
| Loan and lease loss provision to assets | 0.0898% | 2,558 |
| Net operating income to assets | 0.4310% | 5,141 |
| Return on assets (ROA) | 0.3687% | 5,443 |
| Pretax return on assets | 0.6045% | 5,013 |
| Return on Equity (ROE) | 4.9131% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.9131% | 3,148 |
| Net charge-offs to loans | -0.0195% | 5,604 |
| Credit loss provision to net charge-offs | -1,124.2424% | 5,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6531% | 2,706 |
| Assets per employee ($millions) | 6.1953% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 4,530 |
| Loan loss allowance to noncurrent loans | 268.0198% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 5,502 |
| Noncurrent loans to loans | 0.4273% | 4,625 |
| Net loans and leases to total assets | 40.1249% | 5,805 |
| Net loans and leases to deposits | 49.6607% | 5,673 |
| Net loans and leases to core deposits | 51.5143% | 5,715 |
| Total domestic deposits to total assets | 80.7982% | 4,878 |
| Equity capital to assets | 7.5763% | 6,291 |
| Core capital (leverage) ratio | 8.4154% | 5,742 |
| Tier 1 risk-based capital ratio | 17.1223% | 2,564 |
| Total risk-based capital ratio | 18.1572% | 2,602 |
| Memoranda: | ||
| Average total assets | $550,762,500 | 1,220 |
| Average earning assets | $532,304,000 | 1,147 |
| Average equity | $41,330,750 | 1,740 |
| Average total loans | $225,112,750 | 1,870 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0668% | 6,110 |
| Cost of funding earning assets | 0.3536% | 4,400 |
| Net interest margin | 2.7132% | 6,039 |
| Noninterest income to average assets | 0.4931% | 3,523 |
| Noninterest expense to average assets | 2.3864% | 4,918 |
| Loan and lease loss provision to assets | 0.1277% | 1,933 |
| Net operating income to assets | 0.3669% | 5,342 |
| Return on assets (ROA) | 0.3262% | 5,551 |
| Pretax return on assets | 0.5346% | 5,176 |
| Return on Equity (ROE) | 4.3613% | 4,993 |
| Retained earnings to average equity (ytd only) | 4.3613% | 3,401 |
| Net charge-offs to loans | 0.0379% | 3,462 |
| Credit loss provision to net charge-offs | 821.4286% | 400 |
| Earnings coverage of net charge-offs (x) | 46.6905% | 957 |
| Efficiency ratio | 76.6742% | 2,510 |
| Assets per employee ($millions) | 6.0044% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 4,848 |
| Loan loss allowance to noncurrent loans | 240.4059% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 5,097 |
| Noncurrent loans to loans | 0.4630% | 4,611 |
| Net loans and leases to total assets | 41.4639% | 5,711 |
| Net loans and leases to deposits | 51.2597% | 5,543 |
| Net loans and leases to core deposits | 53.4233% | 5,587 |
| Total domestic deposits to total assets | 80.8900% | 5,019 |
| Equity capital to assets | 7.7949% | 6,259 |
| Core capital (leverage) ratio | 8.4529% | 5,682 |
| Tier 1 risk-based capital ratio | 16.7631% | 2,723 |
| Total risk-based capital ratio | 17.7405% | 2,797 |
| Memoranda: | ||
| Average total assets | $540,231,330 | 1,247 |
| Average earning assets | $521,515,670 | 1,168 |
| Average equity | $40,400,670 | 1,764 |
| Average total loans | $221,358,000 | 1,892 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0983% | 6,125 |
| Cost of funding earning assets | 0.3594% | 4,441 |
| Net interest margin | 2.7388% | 6,047 |
| Noninterest income to average assets | 0.5505% | 3,045 |
| Noninterest expense to average assets | 2.5937% | 4,291 |
| Loan and lease loss provision to assets | 0.0226% | 3,534 |
| Net operating income to assets | 0.3533% | 5,301 |
| Return on assets (ROA) | 0.2824% | 5,603 |
| Pretax return on assets | 0.4632% | 5,279 |
| Return on Equity (ROE) | 3.8623% | 5,104 |
| Retained earnings to average equity (ytd only) | 3.8623% | 3,804 |
| Net charge-offs to loans | 0.0800% | 2,351 |
| Credit loss provision to net charge-offs | 69.7674% | 2,005 |
| Earnings coverage of net charge-offs (x) | 18.4186% | 1,418 |
| Efficiency ratio | 81.3031% | 2,014 |
| Assets per employee ($millions) | 5.8139% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 5,339 |
| Loan loss allowance to noncurrent loans | 147.1722% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 4,881 |
| Noncurrent loans to loans | 0.7083% | 4,098 |
| Net loans and leases to total assets | 40.2073% | 5,794 |
| Net loans and leases to deposits | 50.4999% | 5,557 |
| Net loans and leases to core deposits | 52.7406% | 5,576 |
| Total domestic deposits to total assets | 79.6186% | 5,564 |
| Equity capital to assets | 7.6910% | 6,234 |
| Core capital (leverage) ratio | 8.6803% | 5,408 |
| Tier 1 risk-based capital ratio | 16.0979% | 3,125 |
| Total risk-based capital ratio | 16.9451% | 3,299 |
| Memoranda: | ||
| Average total assets | $531,140,500 | 1,275 |
| Average earning assets | $511,895,500 | 1,201 |
| Average equity | $38,837,000 | 1,811 |
| Average total loans | $214,964,000 | 1,935 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0093% | 6,339 |
| Cost of funding earning assets | 0.3989% | 4,666 |
| Net interest margin | 2.6103% | 6,253 |
| Noninterest income to average assets | 0.4592% | 4,026 |
| Noninterest expense to average assets | 2.5662% | 4,568 |
| Loan and lease loss provision to assets | -0.0913% | 6,468 |
| Net operating income to assets | 0.3177% | 5,463 |
| Return on assets (ROA) | 0.1763% | 5,947 |
| Pretax return on assets | 0.2724% | 5,798 |
| Return on Equity (ROE) | 2.4296% | 5,697 |
| Retained earnings to average equity (ytd only) | 2.4296% | 4,518 |
| Net charge-offs to loans | -0.1233% | 6,528 |
| Credit loss provision to net charge-offs | 196.1207% | 1,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5562% | 1,360 |
| Assets per employee ($millions) | 5.9271% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 5,173 |
| Loan loss allowance to noncurrent loans | 113.7284% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 4,677 |
| Noncurrent loans to loans | 0.9632% | 3,590 |
| Net loans and leases to total assets | 39.8661% | 5,978 |
| Net loans and leases to deposits | 49.1890% | 5,821 |
| Net loans and leases to core deposits | 51.4799% | 5,835 |
| Total domestic deposits to total assets | 81.0468% | 5,161 |
| Equity capital to assets | 6.9191% | 6,476 |
| Core capital (leverage) ratio | 8.0038% | 6,132 |
| Tier 1 risk-based capital ratio | 14.9835% | 3,677 |
| Total risk-based capital ratio | 15.8593% | 3,836 |
| Memoranda: | ||
| Average total assets | $498,510,200 | 1,333 |
| Average earning assets | $478,520,000 | 1,275 |
| Average equity | $36,179,200 | 1,909 |
| Average total loans | $188,222,000 | 2,120 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9656% | 6,452 |
| Cost of funding earning assets | 0.4096% | 4,737 |
| Net interest margin | 2.5560% | 6,369 |
| Noninterest income to average assets | 0.4968% | 3,829 |
| Noninterest expense to average assets | 2.6691% | 4,134 |
| Loan and lease loss provision to assets | -0.1989% | 6,719 |
| Net operating income to assets | 0.3042% | 5,604 |
| Return on assets (ROA) | 0.1783% | 6,036 |
| Pretax return on assets | 0.2817% | 5,912 |
| Return on Equity (ROE) | 2.4271% | 5,813 |
| Retained earnings to average equity (ytd only) | 2.4271% | 4,873 |
| Net charge-offs to loans | -0.1642% | 6,612 |
| Credit loss provision to net charge-offs | 326.6667% | 787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5203% | 952 |
| Assets per employee ($millions) | 5.5474% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 5,664 |
| Loan loss allowance to noncurrent loans | 43.5233% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 1.0688% | 3,521 |
| Noncurrent loans to loans | 2.3246% | 1,883 |
| Net loans and leases to total assets | 39.5060% | 6,071 |
| Net loans and leases to deposits | 49.2568% | 5,885 |
| Net loans and leases to core deposits | 51.6413% | 5,909 |
| Total domestic deposits to total assets | 80.2041% | 5,456 |
| Equity capital to assets | 7.2911% | 6,462 |
| Core capital (leverage) ratio | 8.1240% | 6,131 |
| Tier 1 risk-based capital ratio | 15.1048% | 3,683 |
| Total risk-based capital ratio | 15.8976% | 3,932 |
| Memoranda: | ||
| Average total assets | $492,741,250 | 1,355 |
| Average earning assets | $472,652,000 | 1,296 |
| Average equity | $36,201,750 | 1,920 |
| Average total loans | $182,717,750 | 2,175 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8841% | 6,543 |
| Cost of funding earning assets | 0.4224% | 4,733 |
| Net interest margin | 2.4617% | 6,486 |
| Noninterest income to average assets | 0.4933% | 3,879 |
| Noninterest expense to average assets | 2.8017% | 3,670 |
| Loan and lease loss provision to assets | -0.3547% | 6,851 |
| Net operating income to assets | 0.2638% | 5,729 |
| Return on assets (ROA) | 0.1578% | 6,119 |
| Pretax return on assets | 0.2426% | 6,016 |
| Return on Equity (ROE) | 2.1420% | 5,908 |
| Retained earnings to average equity (ytd only) | 2.1420% | 4,912 |
| Net charge-offs to loans | -0.2517% | 6,721 |
| Credit loss provision to net charge-offs | 390.1345% | 672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2135% | 559 |
| Assets per employee ($millions) | 5.7649% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 5,890 |
| Loan loss allowance to noncurrent loans | 37.5125% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 1.1261% | 3,488 |
| Noncurrent loans to loans | 2.6173% | 1,751 |
| Net loans and leases to total assets | 37.3547% | 6,215 |
| Net loans and leases to deposits | 46.0644% | 6,101 |
| Net loans and leases to core deposits | 50.8516% | 5,975 |
| Total domestic deposits to total assets | 81.0921% | 5,320 |
| Equity capital to assets | 6.6756% | 6,658 |
| Core capital (leverage) ratio | 7.6276% | 6,402 |
| Tier 1 risk-based capital ratio | 13.9576% | 4,450 |
| Total risk-based capital ratio | 14.6933% | 4,769 |
| Memoranda: | ||
| Average total assets | $490,565,330 | 1,362 |
| Average earning assets | $470,170,330 | 1,300 |
| Average equity | $36,135,000 | 1,931 |
| Average total loans | $177,204,670 | 2,232 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8165% | 6,670 |
| Cost of funding earning assets | 0.4369% | 4,735 |
| Net interest margin | 2.3796% | 6,616 |
| Noninterest income to average assets | 0.5193% | 3,638 |
| Noninterest expense to average assets | 3.0129% | 2,947 |
| Loan and lease loss provision to assets | -0.7217% | 6,985 |
| Net operating income to assets | 0.3283% | 5,451 |
| Return on assets (ROA) | 0.1709% | 6,079 |
| Pretax return on assets | 0.2630% | 5,923 |
| Return on Equity (ROE) | 2.2109% | 5,871 |
| Retained earnings to average equity (ytd only) | 2.2109% | 4,901 |
| Net charge-offs to loans | -1.1239% | 6,935 |
| Credit loss provision to net charge-offs | 182.0084% | 1,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7425% | 362 |
| Assets per employee ($millions) | 5.5224% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 4,997 |
| Loan loss allowance to noncurrent loans | 34.3252% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 1.7919% | 2,615 |
| Noncurrent loans to loans | 3.6127% | 1,316 |
| Net loans and leases to total assets | 34.1950% | 6,408 |
| Net loans and leases to deposits | 43.3767% | 6,243 |
| Net loans and leases to core deposits | 46.7235% | 6,166 |
| Total domestic deposits to total assets | 78.8326% | 5,988 |
| Equity capital to assets | 7.5229% | 6,587 |
| Core capital (leverage) ratio | 8.2480% | 5,881 |
| Tier 1 risk-based capital ratio | 15.8247% | 3,359 |
| Total risk-based capital ratio | 16.7296% | 3,501 |
| Memoranda: | ||
| Average total assets | $482,191,500 | 1,393 |
| Average earning assets | $461,419,000 | 1,329 |
| Average equity | $37,269,500 | 1,901 |
| Average total loans | $170,115,000 | 2,321 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1750% | 6,675 |
| Cost of funding earning assets | 0.5005% | 5,216 |
| Net interest margin | 2.6746% | 6,555 |
| Noninterest income to average assets | 0.5266% | 3,735 |
| Noninterest expense to average assets | 2.8778% | 3,726 |
| Loan and lease loss provision to assets | 0.1412% | 3,841 |
| Net operating income to assets | 0.0856% | 6,032 |
| Return on assets (ROA) | 0.0355% | 6,254 |
| Pretax return on assets | 0.0030% | 6,278 |
| Return on Equity (ROE) | 0.4210% | 6,239 |
| Retained earnings to average equity (ytd only) | 0.4210% | 5,647 |
| Net charge-offs to loans | 0.4025% | 2,648 |
| Credit loss provision to net charge-offs | 99.0415% | 3,133 |
| Earnings coverage of net charge-offs (x) | 1.3626% | 4,772 |
| Efficiency ratio | 93.6782% | 814 |
| Assets per employee ($millions) | 5.0801% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 3,738 |
| Loan loss allowance to noncurrent loans | 45.1636% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 1.9419% | 2,520 |
| Noncurrent loans to loans | 3.3264% | 1,536 |
| Net loans and leases to total assets | 35.4358% | 6,470 |
| Net loans and leases to deposits | 45.1160% | 6,298 |
| Net loans and leases to core deposits | 49.0014% | 6,208 |
| Total domestic deposits to total assets | 78.5437% | 5,980 |
| Equity capital to assets | 7.9485% | 6,432 |
| Core capital (leverage) ratio | 8.4949% | 5,619 |
| Tier 1 risk-based capital ratio | 16.1365% | 3,084 |
| Total risk-based capital ratio | 17.2143% | 3,141 |
| Memoranda: | ||
| Average total assets | $439,226,000 | 1,503 |
| Average earning assets | $418,011,200 | 1,440 |
| Average equity | $37,051,800 | 1,873 |
| Average total loans | $155,525,000 | 2,496 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2515% | 6,761 |
| Cost of funding earning assets | 0.5078% | 5,391 |
| Net interest margin | 2.7438% | 6,584 |
| Noninterest income to average assets | 0.4958% | 3,959 |
| Noninterest expense to average assets | 3.0146% | 3,187 |
| Loan and lease loss provision to assets | 0.0673% | 4,845 |
| Net operating income to assets | 0.0163% | 6,256 |
| Return on assets (ROA) | -0.0037% | 6,410 |
| Pretax return on assets | -0.0056% | 6,397 |
| Return on Equity (ROE) | -0.0432% | 6,414 |
| Retained earnings to average equity (ytd only) | -0.0432% | 6,085 |
| Net charge-offs to loans | 0.5154% | 2,065 |
| Credit loss provision to net charge-offs | 37.0119% | 4,683 |
| Earnings coverage of net charge-offs (x) | 0.5042% | 5,066 |
| Efficiency ratio | 97.0504% | 635 |
| Assets per employee ($millions) | 5.2758% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 4,181 |
| Loan loss allowance to noncurrent loans | 23.1470% | 6,407 |
| Noncurrent assets plus other real estate owned to assets | 2.1854% | 2,448 |
| Noncurrent loans to loans | 6.2378% | 633 |
| Net loans and leases to total assets | 31.7717% | 6,755 |
| Net loans and leases to deposits | 41.1121% | 6,638 |
| Net loans and leases to core deposits | 44.9078% | 6,563 |
| Total domestic deposits to total assets | 77.2806% | 6,195 |
| Equity capital to assets | 8.0298% | 6,574 |
| Core capital (leverage) ratio | 8.6541% | 5,547 |
| Tier 1 risk-based capital ratio | 16.0405% | 3,242 |
| Total risk-based capital ratio | 17.0068% | 3,361 |
| Memoranda: | ||
| Average total assets | $432,190,250 | 1,541 |
| Average earning assets | $411,199,250 | 1,483 |
| Average equity | $37,027,500 | 1,897 |
| Average total loans | $152,370,750 | 2,570 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3704% | 6,751 |
| Cost of funding earning assets | 0.5073% | 5,571 |
| Net interest margin | 2.8630% | 6,473 |
| Noninterest income to average assets | 0.5072% | 3,880 |
| Noninterest expense to average assets | 3.0093% | 3,229 |
| Loan and lease loss provision to assets | 0.1423% | 3,737 |
| Net operating income to assets | 0.0583% | 6,242 |
| Return on assets (ROA) | 0.0503% | 6,394 |
| Pretax return on assets | 0.0773% | 6,357 |
| Return on Equity (ROE) | 0.5739% | 6,374 |
| Retained earnings to average equity (ytd only) | 0.5739% | 5,835 |
| Net charge-offs to loans | 0.8155% | 1,353 |
| Credit loss provision to net charge-offs | 48.0000% | 4,080 |
| Earnings coverage of net charge-offs (x) | 0.7824% | 4,668 |
| Efficiency ratio | 92.8415% | 873 |
| Assets per employee ($millions) | 4.9854% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 4,479 |
| Loan loss allowance to noncurrent loans | 22.4906% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 2.4431% | 2,287 |
| Noncurrent loans to loans | 6.2167% | 694 |
| Net loans and leases to total assets | 35.4768% | 6,638 |
| Net loans and leases to deposits | 46.5588% | 6,401 |
| Net loans and leases to core deposits | 51.0962% | 6,294 |
| Total domestic deposits to total assets | 76.1978% | 6,435 |
| Equity capital to assets | 8.4600% | 6,251 |
| Core capital (leverage) ratio | 9.2337% | 4,549 |
| Tier 1 risk-based capital ratio | 16.9415% | 2,692 |
| Total risk-based capital ratio | 17.9453% | 2,762 |
| Memoranda: | ||
| Average total assets | $421,496,330 | 1,575 |
| Average earning assets | $402,508,330 | 1,519 |
| Average equity | $36,943,330 | 1,887 |
| Average total loans | $153,271,670 | 2,562 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5140% | 6,678 |
| Cost of funding earning assets | 0.5017% | 5,810 |
| Net interest margin | 3.0123% | 6,270 |
| Noninterest income to average assets | 0.4892% | 3,985 |
| Noninterest expense to average assets | 3.0013% | 3,243 |
| Loan and lease loss provision to assets | 0.2180% | 2,758 |
| Net operating income to assets | 0.0870% | 6,263 |
| Return on assets (ROA) | 0.0746% | 6,404 |
| Pretax return on assets | 0.1240% | 6,347 |
| Return on Equity (ROE) | 0.8357% | 6,381 |
| Retained earnings to average equity (ytd only) | 0.8357% | 5,725 |
| Net charge-offs to loans | 0.7603% | 1,344 |
| Credit loss provision to net charge-offs | 78.3972% | 2,755 |
| Earnings coverage of net charge-offs (x) | 1.2997% | 3,682 |
| Efficiency ratio | 89.2538% | 1,154 |
| Assets per employee ($millions) | 4.4717% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6596% | 3,500 |
| Loan loss allowance to noncurrent loans | 23.8601% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 2.7511% | 2,138 |
| Noncurrent loans to loans | 6.9556% | 646 |
| Net loans and leases to total assets | 35.5766% | 6,649 |
| Net loans and leases to deposits | 47.8491% | 6,295 |
| Net loans and leases to core deposits | 53.1663% | 6,116 |
| Total domestic deposits to total assets | 74.3516% | 6,716 |
| Equity capital to assets | 8.9615% | 5,552 |
| Core capital (leverage) ratio | 9.5824% | 3,939 |
| Tier 1 risk-based capital ratio | 17.6439% | 2,424 |
| Total risk-based capital ratio | 18.7536% | 2,443 |
| Memoranda: | ||
| Average total assets | $412,888,500 | 1,610 |
| Average earning assets | $393,848,500 | 1,542 |
| Average equity | $36,857,500 | 1,889 |
| Average total loans | $150,983,500 | 2,617 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5220% | 6,983 |
| Cost of funding earning assets | 0.6186% | 5,989 |
| Net interest margin | 2.9034% | 6,683 |
| Noninterest income to average assets | 0.5845% | 3,254 |
| Noninterest expense to average assets | 2.8417% | 4,193 |
| Loan and lease loss provision to assets | 0.3903% | 2,650 |
| Net operating income to assets | 0.0930% | 5,880 |
| Return on assets (ROA) | 0.2018% | 5,717 |
| Pretax return on assets | 0.2691% | 5,638 |
| Return on Equity (ROE) | 2.1917% | 5,586 |
| Retained earnings to average equity (ytd only) | 2.1917% | 4,651 |
| Net charge-offs to loans | 1.0459% | 1,662 |
| Credit loss provision to net charge-offs | 95.9552% | 3,760 |
| Earnings coverage of net charge-offs (x) | 1.2645% | 4,837 |
| Efficiency ratio | 84.6734% | 1,695 |
| Assets per employee ($millions) | 5.0535% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 3,365 |
| Loan loss allowance to noncurrent loans | 33.0419% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 2.0824% | 2,863 |
| Noncurrent loans to loans | 5.0040% | 1,122 |
| Net loans and leases to total assets | 36.3444% | 6,744 |
| Net loans and leases to deposits | 48.4702% | 6,466 |
| Net loans and leases to core deposits | 53.7441% | 6,318 |
| Total domestic deposits to total assets | 74.9830% | 6,608 |
| Equity capital to assets | 8.8923% | 5,680 |
| Core capital (leverage) ratio | 9.8414% | 3,528 |
| Tier 1 risk-based capital ratio | 17.3238% | 2,455 |
| Total risk-based capital ratio | 18.4427% | 2,477 |
| Memoranda: | ||
| Average total assets | $395,039,600 | 1,641 |
| Average earning assets | $377,113,400 | 1,573 |
| Average equity | $36,364,600 | 1,862 |
| Average total loans | $153,649,200 | 2,591 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6025% | 7,016 |
| Cost of funding earning assets | 0.6581% | 5,996 |
| Net interest margin | 2.9444% | 6,681 |
| Noninterest income to average assets | 0.6079% | 3,121 |
| Noninterest expense to average assets | 2.8955% | 3,949 |
| Loan and lease loss provision to assets | 0.2597% | 3,425 |
| Net operating income to assets | 0.1587% | 5,802 |
| Return on assets (ROA) | 0.2009% | 5,830 |
| Pretax return on assets | 0.3284% | 5,646 |
| Return on Equity (ROE) | 2.1631% | 5,718 |
| Retained earnings to average equity (ytd only) | 2.1631% | 5,044 |
| Net charge-offs to loans | 0.2723% | 3,737 |
| Credit loss provision to net charge-offs | 242.0382% | 1,184 |
| Earnings coverage of net charge-offs (x) | 4.8662% | 2,934 |
| Efficiency ratio | 84.7231% | 1,661 |
| Assets per employee ($millions) | 4.8374% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9384% | 2,507 |
| Loan loss allowance to noncurrent loans | 35.3920% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 2.3972% | 2,686 |
| Noncurrent loans to loans | 5.4769% | 1,085 |
| Net loans and leases to total assets | 38.3420% | 6,755 |
| Net loans and leases to deposits | 51.5608% | 6,400 |
| Net loans and leases to core deposits | 57.3865% | 6,182 |
| Total domestic deposits to total assets | 74.3628% | 6,717 |
| Equity capital to assets | 9.2510% | 5,449 |
| Core capital (leverage) ratio | 9.8638% | 3,628 |
| Tier 1 risk-based capital ratio | 16.9448% | 2,663 |
| Total risk-based capital ratio | 18.0582% | 2,691 |
| Memoranda: | ||
| Average total assets | $390,203,750 | 1,672 |
| Average earning assets | $372,362,500 | 1,602 |
| Average equity | $36,243,750 | 1,864 |
| Average total loans | $153,777,250 | 2,612 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5152% | 7,154 |
| Cost of funding earning assets | 0.6915% | 6,010 |
| Net interest margin | 2.8237% | 6,894 |
| Noninterest income to average assets | 0.6148% | 3,040 |
| Noninterest expense to average assets | 2.8677% | 4,154 |
| Loan and lease loss provision to assets | 0.2821% | 3,124 |
| Net operating income to assets | 0.1604% | 5,854 |
| Return on assets (ROA) | 0.0336% | 6,240 |
| Pretax return on assets | 0.0305% | 6,221 |
| Return on Equity (ROE) | 0.3617% | 6,226 |
| Retained earnings to average equity (ytd only) | 0.3617% | 5,698 |
| Net charge-offs to loans | 0.4047% | 2,932 |
| Credit loss provision to net charge-offs | 176.3754% | 1,706 |
| Earnings coverage of net charge-offs (x) | 2.7476% | 3,469 |
| Efficiency ratio | 86.7136% | 1,531 |
| Assets per employee ($millions) | 4.7422% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7843% | 3,045 |
| Loan loss allowance to noncurrent loans | 62.6770% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.6625% | 3,689 |
| Noncurrent loans to loans | 2.8467% | 2,565 |
| Net loans and leases to total assets | 40.1030% | 6,737 |
| Net loans and leases to deposits | 55.2653% | 6,202 |
| Net loans and leases to core deposits | 61.6930% | 5,922 |
| Total domestic deposits to total assets | 72.5645% | 6,971 |
| Equity capital to assets | 9.4494% | 4,892 |
| Core capital (leverage) ratio | 9.7153% | 3,645 |
| Tier 1 risk-based capital ratio | 16.6143% | 2,689 |
| Total risk-based capital ratio | 17.7478% | 2,705 |
| Memoranda: | ||
| Average total assets | $386,437,670 | 1,698 |
| Average earning assets | $368,453,330 | 1,628 |
| Average equity | $35,944,000 | 1,864 |
| Average total loans | $152,707,330 | 2,647 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4467% | 7,236 |
| Cost of funding earning assets | 0.6996% | 6,141 |
| Net interest margin | 2.7471% | 6,972 |
| Noninterest income to average assets | 0.5420% | 3,566 |
| Noninterest expense to average assets | 2.8659% | 4,211 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1734% | 5,875 |
| Return on assets (ROA) | 0.1734% | 5,920 |
| Pretax return on assets | 0.2897% | 5,686 |
| Return on Equity (ROE) | 1.8794% | 5,830 |
| Retained earnings to average equity (ytd only) | 1.8794% | 4,992 |
| Net charge-offs to loans | 0.5666% | 2,071 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.3160% | 3,690 |
| Efficiency ratio | 90.8193% | 1,255 |
| Assets per employee ($millions) | 4.9144% | 2,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5547% | 3,940 |
| Loan loss allowance to noncurrent loans | 77.9667% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.5814% | 3,875 |
| Noncurrent loans to loans | 1.9940% | 3,578 |
| Net loans and leases to total assets | 37.9392% | 6,909 |
| Net loans and leases to deposits | 52.8590% | 6,406 |
| Net loans and leases to core deposits | 60.1685% | 6,082 |
| Total domestic deposits to total assets | 71.7743% | 7,089 |
| Equity capital to assets | 8.9194% | 5,323 |
| Core capital (leverage) ratio | 10.0998% | 3,038 |
| Tier 1 risk-based capital ratio | 16.7167% | 2,581 |
| Total risk-based capital ratio | 17.8110% | 2,611 |
| Memoranda: | ||
| Average total assets | $385,226,000 | 1,712 |
| Average earning assets | $366,494,500 | 1,646 |
| Average equity | $35,543,500 | 1,871 |
| Average total loans | $149,672,000 | 2,719 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 7,311 |
| Cost of funding earning assets | 0.9422% | 5,971 |
| Net interest margin | 2.7437% | 7,089 |
| Noninterest income to average assets | 0.5935% | 3,520 |
| Noninterest expense to average assets | 3.3103% | 2,711 |
| Loan and lease loss provision to assets | -0.3030% | 7,634 |
| Net operating income to assets | 0.1363% | 5,482 |
| Return on assets (ROA) | 0.1248% | 5,667 |
| Pretax return on assets | 0.1489% | 5,599 |
| Return on Equity (ROE) | 1.3213% | 5,615 |
| Retained earnings to average equity (ytd only) | 1.3213% | 4,882 |
| Net charge-offs to loans | -1.0654% | 7,602 |
| Credit loss provision to net charge-offs | 74.1627% | 5,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4317% | 658 |
| Assets per employee ($millions) | 4.6548% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7795% | 2,925 |
| Loan loss allowance to noncurrent loans | 94.8849% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 1.6040% | 3,904 |
| Noncurrent loans to loans | 1.8755% | 3,717 |
| Net loans and leases to total assets | 38.4920% | 7,051 |
| Net loans and leases to deposits | 55.2013% | 6,504 |
| Net loans and leases to core deposits | 61.1903% | 6,304 |
| Total domestic deposits to total assets | 69.7303% | 7,251 |
| Equity capital to assets | 9.5551% | 4,334 |
| Core capital (leverage) ratio | 10.4659% | 2,592 |
| Tier 1 risk-based capital ratio | 17.6385% | 2,115 |
| Total risk-based capital ratio | 18.7639% | 2,133 |
| Memoranda: | ||
| Average total assets | $358,067,200 | 1,825 |
| Average earning assets | $336,224,600 | 1,772 |
| Average equity | $33,831,000 | 1,952 |
| Average total loans | $137,316,400 | 2,997 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6689% | 7,468 |
| Cost of funding earning assets | 0.9860% | 6,003 |
| Net interest margin | 2.6830% | 7,254 |
| Noninterest income to average assets | 0.5488% | 3,799 |
| Noninterest expense to average assets | 3.1684% | 3,039 |
| Loan and lease loss provision to assets | -0.4081% | 7,743 |
| Net operating income to assets | 0.1698% | 5,591 |
| Return on assets (ROA) | 0.1580% | 5,777 |
| Pretax return on assets | 0.2806% | 5,554 |
| Return on Equity (ROE) | 1.6770% | 5,711 |
| Retained earnings to average equity (ytd only) | 1.6770% | 5,118 |
| Net charge-offs to loans | -1.4215% | 7,705 |
| Credit loss provision to net charge-offs | 75.2949% | 5,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5653% | 644 |
| Assets per employee ($millions) | 4.7681% | 2,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8573% | 2,602 |
| Loan loss allowance to noncurrent loans | 81.7720% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 2.3010% | 3,078 |
| Noncurrent loans to loans | 2.2714% | 3,363 |
| Net loans and leases to total assets | 37.5484% | 7,204 |
| Net loans and leases to deposits | 54.0166% | 6,769 |
| Net loans and leases to core deposits | 58.3577% | 6,708 |
| Total domestic deposits to total assets | 69.5128% | 7,299 |
| Equity capital to assets | 10.0071% | 4,149 |
| Core capital (leverage) ratio | 10.6603% | 2,543 |
| Tier 1 risk-based capital ratio | 18.0840% | 2,005 |
| Total risk-based capital ratio | 19.1959% | 2,002 |
| Memoranda: | ||
| Average total assets | $354,487,500 | 1,868 |
| Average earning assets | $331,715,500 | 1,826 |
| Average equity | $33,393,250 | 1,996 |
| Average total loans | $135,161,500 | 3,073 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7047% | 7,529 |
| Cost of funding earning assets | 1.0335% | 5,991 |
| Net interest margin | 2.6712% | 7,285 |
| Noninterest income to average assets | 0.5951% | 3,374 |
| Noninterest expense to average assets | 3.2342% | 2,786 |
| Loan and lease loss provision to assets | -0.7730% | 7,820 |
| Net operating income to assets | 0.3702% | 4,893 |
| Return on assets (ROA) | 0.3524% | 5,126 |
| Pretax return on assets | 0.6196% | 4,507 |
| Return on Equity (ROE) | 3.8228% | 4,866 |
| Retained earnings to average equity (ytd only) | 3.8228% | 3,657 |
| Net charge-offs to loans | -2.1791% | 7,772 |
| Credit loss provision to net charge-offs | 93.1507% | 4,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0410% | 680 |
| Assets per employee ($millions) | 4.6111% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 2,935 |
| Loan loss allowance to noncurrent loans | 99.4852% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 1.5975% | 4,048 |
| Noncurrent loans to loans | 1.7495% | 4,061 |
| Net loans and leases to total assets | 36.8739% | 7,328 |
| Net loans and leases to deposits | 52.7293% | 6,933 |
| Net loans and leases to core deposits | 56.7263% | 6,899 |
| Total domestic deposits to total assets | 69.9307% | 7,334 |
| Equity capital to assets | 10.1807% | 3,798 |
| Core capital (leverage) ratio | 10.5132% | 2,623 |
| Tier 1 risk-based capital ratio | 18.7322% | 1,783 |
| Total risk-based capital ratio | 19.8408% | 1,780 |
| Memoranda: | ||
| Average total assets | $351,859,330 | 1,901 |
| Average earning assets | $331,092,670 | 1,841 |
| Average equity | $32,436,670 | 2,035 |
| Average total loans | $134,002,000 | 3,125 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5804% | 7,684 |
| Cost of funding earning assets | 1.0650% | 6,062 |
| Net interest margin | 2.5154% | 7,461 |
| Noninterest income to average assets | 0.5950% | 3,308 |
| Noninterest expense to average assets | 3.3004% | 2,532 |
| Loan and lease loss provision to assets | -1.3818% | 7,924 |
| Net operating income to assets | 0.5881% | 3,947 |
| Return on assets (ROA) | 0.5881% | 4,091 |
| Pretax return on assets | 1.0392% | 2,937 |
| Return on Equity (ROE) | 6.7361% | 3,483 |
| Retained earnings to average equity (ytd only) | 6.7361% | 2,247 |
| Net charge-offs to loans | -4.2952% | 7,877 |
| Credit loss provision to net charge-offs | 83.8531% | 3,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.5830% | 569 |
| Assets per employee ($millions) | 4.5903% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7987% | 2,734 |
| Loan loss allowance to noncurrent loans | 94.8916% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 1.6339% | 4,036 |
| Noncurrent loans to loans | 1.8955% | 3,927 |
| Net loans and leases to total assets | 36.9170% | 7,393 |
| Net loans and leases to deposits | 52.1993% | 7,027 |
| Net loans and leases to core deposits | 59.4836% | 6,782 |
| Total domestic deposits to total assets | 70.7231% | 7,363 |
| Equity capital to assets | 9.9710% | 3,908 |
| Core capital (leverage) ratio | 10.5606% | 2,565 |
| Tier 1 risk-based capital ratio | 17.0787% | 2,242 |
| Total risk-based capital ratio | 18.1701% | 2,244 |
| Memoranda: | ||
| Average total assets | $350,262,500 | 1,957 |
| Average earning assets | $329,010,000 | 1,902 |
| Average equity | $30,581,500 | 2,181 |
| Average total loans | $134,382,500 | 3,181 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 7,563 |
| Cost of funding earning assets | 1.2153% | 6,607 |
| Net interest margin | 3.0720% | 6,463 |
| Noninterest income to average assets | 0.5842% | 3,754 |
| Noninterest expense to average assets | 3.6820% | 1,949 |
| Loan and lease loss provision to assets | 1.7709% | 1,281 |
| Net operating income to assets | -1.4817% | 6,845 |
| Return on assets (ROA) | -1.6006% | 6,908 |
| Pretax return on assets | -2.1145% | 6,982 |
| Return on Equity (ROE) | -15.8346% | 6,977 |
| Retained earnings to average equity (ytd only) | -15.8346% | 6,929 |
| Net charge-offs to loans | 3.4382% | 570 |
| Credit loss provision to net charge-offs | 128.5648% | 4,008 |
| Earnings coverage of net charge-offs (x) | -0.1359% | 6,370 |
| Efficiency ratio | 105.3565% | 925 |
| Assets per employee ($millions) | 4.3882% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 2,989 |
| Loan loss allowance to noncurrent loans | 49.2451% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 1.7431% | 3,754 |
| Noncurrent loans to loans | 3.4008% | 2,245 |
| Net loans and leases to total assets | 38.5395% | 7,428 |
| Net loans and leases to deposits | 52.7789% | 7,117 |
| Net loans and leases to core deposits | 66.0735% | 6,977 |
| Total domestic deposits to total assets | 73.0206% | 7,149 |
| Equity capital to assets | 7.4002% | 7,122 |
| Core capital (leverage) ratio | 7.9421% | 6,273 |
| Tier 1 risk-based capital ratio | 13.1108% | 4,074 |
| Total risk-based capital ratio | 14.1840% | 4,134 |
| Memoranda: | ||
| Average total assets | $314,639,800 | 2,134 |
| Average earning assets | $298,116,400 | 2,085 |
| Average equity | $31,803,800 | 2,107 |
| Average total loans | $126,054,400 | 3,350 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 7,557 |
| Cost of funding earning assets | 1.2375% | 6,767 |
| Net interest margin | 3.2187% | 5,953 |
| Noninterest income to average assets | 0.6005% | 3,695 |
| Noninterest expense to average assets | 3.6106% | 2,011 |
| Loan and lease loss provision to assets | 1.3306% | 1,453 |
| Net operating income to assets | -0.7318% | 6,630 |
| Return on assets (ROA) | -0.7318% | 6,647 |
| Pretax return on assets | -1.2896% | 6,857 |
| Return on Equity (ROE) | -6.7454% | 6,637 |
| Retained earnings to average equity (ytd only) | -6.7454% | 6,479 |
| Net charge-offs to loans | 1.0231% | 1,930 |
| Credit loss provision to net charge-offs | 322.7225% | 1,270 |
| Earnings coverage of net charge-offs (x) | 0.0995% | 5,941 |
| Efficiency ratio | 98.8768% | 1,119 |
| Assets per employee ($millions) | 4.2603% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3027% | 1,294 |
| Loan loss allowance to noncurrent loans | 450.2899% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.8842% | 5,310 |
| Noncurrent loans to loans | 0.5114% | 6,286 |
| Net loans and leases to total assets | 39.1670% | 7,495 |
| Net loans and leases to deposits | 55.5651% | 7,120 |
| Net loans and leases to core deposits | 69.3521% | 6,997 |
| Total domestic deposits to total assets | 70.4886% | 7,380 |
| Equity capital to assets | 9.7994% | 4,355 |
| Core capital (leverage) ratio | 10.1735% | 3,089 |
| Tier 1 risk-based capital ratio | 14.9097% | 3,081 |
| Total risk-based capital ratio | 15.9698% | 3,120 |
| Memoranda: | ||
| Average total assets | $308,826,000 | 2,181 |
| Average earning assets | $292,738,500 | 2,125 |
| Average equity | $33,503,500 | 2,025 |
| Average total loans | $124,457,750 | 3,418 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 7,471 |
| Cost of funding earning assets | 1.2510% | 6,954 |
| Net interest margin | 3.3922% | 5,201 |
| Noninterest income to average assets | 0.5902% | 3,771 |
| Noninterest expense to average assets | 3.5650% | 2,153 |
| Loan and lease loss provision to assets | 0.9326% | 1,809 |
| Net operating income to assets | -0.3785% | 6,422 |
| Return on assets (ROA) | -0.3785% | 6,433 |
| Pretax return on assets | -0.6943% | 6,595 |
| Return on Equity (ROE) | -3.3672% | 6,405 |
| Retained earnings to average equity (ytd only) | -3.3672% | 6,027 |
| Net charge-offs to loans | 0.2860% | 3,762 |
| Credit loss provision to net charge-offs | 807.5145% | 586 |
| Earnings coverage of net charge-offs (x) | 2.0636% | 4,048 |
| Efficiency ratio | 93.7335% | 1,519 |
| Assets per employee ($millions) | 3.7563% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 2,396 |
| Loan loss allowance to noncurrent loans | 24,488.8889% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.8992% | 5,186 |
| Noncurrent loans to loans | 0.0069% | 7,549 |
| Net loans and leases to total assets | 42.2537% | 7,432 |
| Net loans and leases to deposits | 62.3368% | 6,708 |
| Net loans and leases to core deposits | 78.6027% | 6,509 |
| Total domestic deposits to total assets | 67.7828% | 7,634 |
| Equity capital to assets | 11.0300% | 2,893 |
| Core capital (leverage) ratio | 11.0214% | 2,379 |
| Tier 1 risk-based capital ratio | 15.8624% | 2,673 |
| Total risk-based capital ratio | 16.8743% | 2,689 |
| Memoranda: | ||
| Average total assets | $299,581,000 | 2,261 |
| Average earning assets | $283,770,000 | 2,205 |
| Average equity | $33,677,670 | 2,016 |
| Average total loans | $120,967,670 | 3,518 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6160% | 7,605 |
| Cost of funding earning assets | 1.2549% | 7,160 |
| Net interest margin | 3.3611% | 5,285 |
| Noninterest income to average assets | 0.6002% | 3,546 |
| Noninterest expense to average assets | 3.5930% | 1,882 |
| Loan and lease loss provision to assets | 1.0564% | 1,239 |
| Net operating income to assets | -0.4966% | 6,870 |
| Return on assets (ROA) | -0.4966% | 6,926 |
| Pretax return on assets | -0.8559% | 7,067 |
| Return on Equity (ROE) | -4.3751% | 6,922 |
| Retained earnings to average equity (ytd only) | -4.3751% | 6,469 |
| Net charge-offs to loans | 0.0482% | 4,808 |
| Credit loss provision to net charge-offs | 5,607.1429% | 132 |
| Earnings coverage of net charge-offs (x) | 10.6429% | 1,936 |
| Efficiency ratio | 94.7144% | 1,394 |
| Assets per employee ($millions) | 3.5795% | 4,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 3,124 |
| Loan loss allowance to noncurrent loans | 591.5541% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.9936% | 4,708 |
| Noncurrent loans to loans | 0.2490% | 6,825 |
| Net loans and leases to total assets | 38.4924% | 7,646 |
| Net loans and leases to deposits | 59.0799% | 6,970 |
| Net loans and leases to core deposits | 73.7313% | 6,815 |
| Total domestic deposits to total assets | 65.1532% | 7,781 |
| Equity capital to assets | 11.2138% | 2,800 |
| Core capital (leverage) ratio | 11.0773% | 2,450 |
| Tier 1 risk-based capital ratio | 16.5475% | 2,497 |
| Total risk-based capital ratio | 17.4554% | 2,555 |
| Memoranda: | ||
| Average total assets | $297,241,500 | 2,289 |
| Average earning assets | $282,411,500 | 2,231 |
| Average equity | $33,736,500 | 2,017 |
| Average total loans | $116,069,000 | 3,650 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1483% | 7,729 |
| Cost of funding earning assets | 1.3537% | 7,794 |
| Net interest margin | 3.7946% | 4,048 |
| Noninterest income to average assets | 0.6323% | 3,612 |
| Noninterest expense to average assets | 3.5083% | 2,374 |
| Loan and lease loss provision to assets | 0.5439% | 2,648 |
| Net operating income to assets | 0.1168% | 6,066 |
| Return on assets (ROA) | 0.1398% | 5,831 |
| Pretax return on assets | 0.2382% | 5,650 |
| Return on Equity (ROE) | 1.1782% | 5,865 |
| Retained earnings to average equity (ytd only) | 1.1782% | 4,528 |
| Net charge-offs to loans | 1.3389% | 879 |
| Credit loss provision to net charge-offs | 111.7397% | 4,826 |
| Earnings coverage of net charge-offs (x) | 1.5332% | 5,333 |
| Efficiency ratio | 82.4595% | 2,243 |
| Assets per employee ($millions) | 3.6737% | 4,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8652% | 6,828 |
| Loan loss allowance to noncurrent loans | 314.1026% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 1.0836% | 4,125 |
| Noncurrent loans to loans | 0.2754% | 6,545 |
| Net loans and leases to total assets | 38.6909% | 7,733 |
| Net loans and leases to deposits | 59.4734% | 7,127 |
| Net loans and leases to core deposits | 72.4531% | 7,050 |
| Total domestic deposits to total assets | 65.0558% | 7,720 |
| Equity capital to assets | 11.4925% | 2,641 |
| Core capital (leverage) ratio | 11.6865% | 2,135 |
| Tier 1 risk-based capital ratio | 19.6379% | 1,674 |
| Total risk-based capital ratio | 20.2395% | 1,773 |
| Memoranda: | ||
| Average total assets | $290,513,600 | 2,251 |
| Average earning assets | $277,314,000 | 2,187 |
| Average equity | $34,459,200 | 1,974 |
| Average total loans | $105,607,000 | 3,808 |