Home > Altoona First Savings Bank > Performance and Condition Ratios
Altoona First Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9760% | 3,152 |
| Cost of funding earning assets | 1.5333% | 3,119 |
| Net interest margin | 3.4427% | 2,457 |
| Noninterest income to average assets | 0.3900% | 2,290 |
| Noninterest expense to average assets | 2.5153% | 2,256 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 0.7345% | 3,024 |
| Return on assets (ROA) | 0.7345% | 3,026 |
| Pretax return on assets | 0.9970% | 2,732 |
| Return on Equity (ROE) | 5.9100% | 3,359 |
| Retained earnings to average equity (ytd only) | 5.9117% | 2,300 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 69.8563% | 1,826 |
| Assets per employee ($millions) | 6.8423% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 1,323 |
| Loan loss allowance to noncurrent loans | 104.6862% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.8844% | 843 |
| Noncurrent loans to loans | 1.3292% | 774 |
| Net loans and leases to total assets | 56.6100% | 3,153 |
| Net loans and leases to deposits | 65.5364% | 3,159 |
| Net loans and leases to core deposits | 69.4896% | 3,317 |
| Total domestic deposits to total assets | 86.3800% | 2,164 |
| Equity capital to assets | 12.4383% | 1,075 |
| Core capital (leverage) ratio | 13.5836% | 905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $316,939,000 | 2,401 |
| Average earning assets | $295,579,000 | 2,390 |
| Average equity | $39,379,500 | 2,058 |
| Average total loans | $185,066,000 | 2,511 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 3,117 |
| Cost of funding earning assets | 1.5335% | 3,287 |
| Net interest margin | 3.4581% | 2,154 |
| Noninterest income to average assets | 0.3900% | 2,507 |
| Noninterest expense to average assets | 2.6828% | 1,786 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.7325% | 2,882 |
| Return on assets (ROA) | 0.7251% | 2,921 |
| Pretax return on assets | 0.8882% | 2,837 |
| Return on Equity (ROE) | 5.8900% | 3,321 |
| Retained earnings to average equity (ytd only) | 5.8912% | 1,870 |
| Net charge-offs to loans | 0.0157% | 2,343 |
| Credit loss provision to net charge-offs | 531.0345% | 607 |
| Earnings coverage of net charge-offs (x) | 100.7241% | 799 |
| Efficiency ratio | 73.9057% | 1,566 |
| Assets per employee ($millions) | 6.6445% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 1,486 |
| Loan loss allowance to noncurrent loans | 425.0000% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 1,986 |
| Noncurrent loans to loans | 0.3170% | 2,319 |
| Net loans and leases to total assets | 58.6000% | 3,060 |
| Net loans and leases to deposits | 67.5876% | 3,103 |
| Net loans and leases to core deposits | 71.6415% | 3,275 |
| Total domestic deposits to total assets | 86.7100% | 1,966 |
| Equity capital to assets | 12.4112% | 1,047 |
| Core capital (leverage) ratio | 13.5974% | 889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $308,371,800 | 2,426 |
| Average earning assets | $288,685,600 | 2,401 |
| Average equity | $37,955,000 | 2,054 |
| Average total loans | $184,632,800 | 2,479 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9456% | 3,120 |
| Cost of funding earning assets | 1.5119% | 3,332 |
| Net interest margin | 3.4337% | 2,171 |
| Noninterest income to average assets | 0.3800% | 2,542 |
| Noninterest expense to average assets | 2.6203% | 1,900 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 0.7595% | 2,811 |
| Return on assets (ROA) | 0.7495% | 2,852 |
| Pretax return on assets | 0.9161% | 2,771 |
| Return on Equity (ROE) | 6.1000% | 3,291 |
| Retained earnings to average equity (ytd only) | 6.1025% | 2,053 |
| Net charge-offs to loans | 0.0145% | 2,126 |
| Credit loss provision to net charge-offs | 640.0000% | 537 |
| Earnings coverage of net charge-offs (x) | 113.4000% | 738 |
| Efficiency ratio | 72.7043% | 1,726 |
| Assets per employee ($millions) | 7.0795% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 1,537 |
| Loan loss allowance to noncurrent loans | 1,143.7788% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 2,490 |
| Noncurrent loans to loans | 0.1176% | 3,096 |
| Net loans and leases to total assets | 58.4400% | 3,064 |
| Net loans and leases to deposits | 68.3250% | 3,093 |
| Net loans and leases to core deposits | 71.7670% | 3,309 |
| Total domestic deposits to total assets | 85.5400% | 2,110 |
| Equity capital to assets | 12.8748% | 1,002 |
| Core capital (leverage) ratio | 13.5707% | 924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $307,392,000 | 2,423 |
| Average earning assets | $288,197,250 | 2,407 |
| Average equity | $37,754,000 | 2,067 |
| Average total loans | $184,414,000 | 2,478 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 3,147 |
| Cost of funding earning assets | 1.4938% | 3,303 |
| Net interest margin | 3.3831% | 2,217 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 2.5260% | 2,172 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.7902% | 2,655 |
| Return on assets (ROA) | 0.7758% | 2,727 |
| Pretax return on assets | 0.9993% | 2,496 |
| Return on Equity (ROE) | 6.4200% | 3,154 |
| Retained earnings to average equity (ytd only) | 6.4214% | 1,855 |
| Net charge-offs to loans | 0.0184% | 1,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 91.5882% | 815 |
| Efficiency ratio | 71.2837% | 1,945 |
| Assets per employee ($millions) | 6.9432% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 1,887 |
| Loan loss allowance to noncurrent loans | 444.7170% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 1,956 |
| Noncurrent loans to loans | 0.2854% | 2,348 |
| Net loans and leases to total assets | 60.0300% | 2,953 |
| Net loans and leases to deposits | 69.5049% | 3,033 |
| Net loans and leases to core deposits | 73.0204% | 3,216 |
| Total domestic deposits to total assets | 86.3600% | 1,871 |
| Equity capital to assets | 12.3176% | 1,061 |
| Core capital (leverage) ratio | 13.3800% | 967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $306,022,667 | 2,422 |
| Average earning assets | $287,192,000 | 2,400 |
| Average equity | $36,970,333 | 2,066 |
| Average total loans | $184,374,667 | 2,469 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7685% | 3,204 |
| Cost of funding earning assets | 1.4520% | 3,312 |
| Net interest margin | 3.3166% | 2,308 |
| Noninterest income to average assets | 0.3700% | 2,484 |
| Noninterest expense to average assets | 2.4644% | 2,343 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8237% | 2,471 |
| Return on assets (ROA) | 0.7940% | 2,572 |
| Pretax return on assets | 0.9847% | 2,427 |
| Return on Equity (ROE) | 6.6400% | 3,043 |
| Retained earnings to average equity (ytd only) | 6.6375% | 1,935 |
| Net charge-offs to loans | 0.0370% | 1,171 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 990 |
| Efficiency ratio | 70.7006% | 2,076 |
| Assets per employee ($millions) | 6.9855% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 1,848 |
| Loan loss allowance to noncurrent loans | 308.5079% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 1,621 |
| Noncurrent loans to loans | 0.4153% | 1,888 |
| Net loans and leases to total assets | 59.0900% | 2,952 |
| Net loans and leases to deposits | 67.9854% | 3,043 |
| Net loans and leases to core deposits | 72.0155% | 3,217 |
| Total domestic deposits to total assets | 86.9200% | 1,803 |
| Equity capital to assets | 11.9663% | 1,135 |
| Core capital (leverage) ratio | 13.3150% | 952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $306,284,500 | 2,422 |
| Average earning assets | $287,888,500 | 2,403 |
| Average equity | $36,640,500 | 2,075 |
| Average total loans | $183,694,000 | 2,470 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4885% | 3,118 |
| Cost of funding earning assets | 1.1010% | 3,068 |
| Net interest margin | 3.3875% | 2,429 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.4836% | 2,342 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.7817% | 2,928 |
| Return on assets (ROA) | 0.7817% | 2,909 |
| Pretax return on assets | 1.0198% | 2,619 |
| Return on Equity (ROE) | 7.0700% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.0735% | 1,875 |
| Net charge-offs to loans | 0.0093% | 2,309 |
| Credit loss provision to net charge-offs | 1,023.5294% | 400 |
| Earnings coverage of net charge-offs (x) | 196.9412% | 590 |
| Efficiency ratio | 69.7779% | 1,907 |
| Assets per employee ($millions) | 6.9365% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 1,792 |
| Loan loss allowance to noncurrent loans | 6,087.1795% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 2,580 |
| Noncurrent loans to loans | 0.0213% | 3,591 |
| Net loans and leases to total assets | 59.3200% | 2,904 |
| Net loans and leases to deposits | 68.0945% | 3,026 |
| Net loans and leases to core deposits | 71.9653% | 3,195 |
| Total domestic deposits to total assets | 87.1100% | 1,640 |
| Equity capital to assets | 11.9595% | 1,136 |
| Core capital (leverage) ratio | 13.2193% | 995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $311,241,600 | 2,367 |
| Average earning assets | $292,812,000 | 2,345 |
| Average equity | $34,396,000 | 2,081 |
| Average total loans | $183,555,200 | 2,412 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4141% | 3,078 |
| Cost of funding earning assets | 1.0365% | 2,936 |
| Net interest margin | 3.3776% | 2,502 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.4168% | 2,477 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8202% | 2,961 |
| Return on assets (ROA) | 0.8202% | 2,955 |
| Pretax return on assets | 1.0423% | 2,736 |
| Return on Equity (ROE) | 7.5700% | 3,299 |
| Retained earnings to average equity (ytd only) | 7.5739% | 2,112 |
| Net charge-offs to loans | 0.0073% | 2,163 |
| Credit loss provision to net charge-offs | 1,750.0000% | 272 |
| Earnings coverage of net charge-offs (x) | 262.0000% | 499 |
| Efficiency ratio | 68.3918% | 1,974 |
| Assets per employee ($millions) | 6.9164% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 1,872 |
| Loan loss allowance to noncurrent loans | 34,028.5714% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 2,683 |
| Noncurrent loans to loans | 0.0038% | 3,788 |
| Net loans and leases to total assets | 59.4600% | 2,896 |
| Net loans and leases to deposits | 67.8040% | 2,991 |
| Net loans and leases to core deposits | 71.1012% | 3,162 |
| Total domestic deposits to total assets | 87.7000% | 1,666 |
| Equity capital to assets | 11.1435% | 1,289 |
| Core capital (leverage) ratio | 12.6843% | 1,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $312,750,500 | 2,361 |
| Average earning assets | $294,324,500 | 2,337 |
| Average equity | $33,869,750 | 2,092 |
| Average total loans | $183,591,500 | 2,413 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 3,054 |
| Cost of funding earning assets | 0.9691% | 2,703 |
| Net interest margin | 3.3534% | 2,632 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.3406% | 2,678 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8201% | 3,019 |
| Return on assets (ROA) | 0.8201% | 3,029 |
| Pretax return on assets | 1.1307% | 2,564 |
| Return on Equity (ROE) | 7.6400% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.6442% | 2,090 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.8174% | 2,131 |
| Assets per employee ($millions) | 6.9687% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 2,253 |
| Loan loss allowance to noncurrent loans | 22,670.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 2,636 |
| Noncurrent loans to loans | 0.0054% | 3,767 |
| Net loans and leases to total assets | 59.1100% | 2,859 |
| Net loans and leases to deposits | 67.3815% | 2,960 |
| Net loans and leases to core deposits | 69.9983% | 3,132 |
| Total domestic deposits to total assets | 87.7200% | 1,700 |
| Equity capital to assets | 11.1779% | 1,312 |
| Core capital (leverage) ratio | 12.2408% | 1,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $315,560,333 | 2,353 |
| Average earning assets | $297,187,000 | 2,330 |
| Average equity | $33,855,667 | 2,105 |
| Average total loans | $183,676,000 | 2,403 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1912% | 3,065 |
| Cost of funding earning assets | 0.8038% | 2,719 |
| Net interest margin | 3.3875% | 2,666 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.2436% | 2,972 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.8849% | 2,901 |
| Return on assets (ROA) | 0.8849% | 2,856 |
| Pretax return on assets | 1.2174% | 2,385 |
| Return on Equity (ROE) | 8.4200% | 3,194 |
| Retained earnings to average equity (ytd only) | 8.4169% | 2,106 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.6751% | 2,505 |
| Assets per employee ($millions) | 7.3717% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 2,406 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 2,648 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 57.5300% | 2,906 |
| Net loans and leases to deposits | 67.0608% | 2,845 |
| Net loans and leases to core deposits | 69.7733% | 2,969 |
| Total domestic deposits to total assets | 85.7800% | 2,656 |
| Equity capital to assets | 10.7387% | 1,438 |
| Core capital (leverage) ratio | 11.9775% | 1,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $320,028,500 | 2,361 |
| Average earning assets | $301,582,000 | 2,337 |
| Average equity | $33,646,500 | 2,138 |
| Average total loans | $183,763,500 | 2,425 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7273% | 2,465 |
| Cost of funding earning assets | 0.3713% | 2,319 |
| Net interest margin | 3.3560% | 2,400 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.2679% | 2,839 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.8076% | 3,301 |
| Return on assets (ROA) | 0.8076% | 3,228 |
| Pretax return on assets | 1.0940% | 2,789 |
| Return on Equity (ROE) | 7.7800% | 3,439 |
| Retained earnings to average equity (ytd only) | 7.7805% | 1,923 |
| Net charge-offs to loans | 0.0083% | 2,078 |
| Credit loss provision to net charge-offs | 3,306.6667% | 178 |
| Earnings coverage of net charge-offs (x) | 269.6000% | 527 |
| Efficiency ratio | 64.5232% | 2,430 |
| Assets per employee ($millions) | 7.3426% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 2,330 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 2,683 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 55.9300% | 3,040 |
| Net loans and leases to deposits | 65.5420% | 2,917 |
| Net loans and leases to core deposits | 69.0853% | 2,940 |
| Total domestic deposits to total assets | 85.3300% | 2,903 |
| Equity capital to assets | 10.2927% | 1,558 |
| Core capital (leverage) ratio | 11.7109% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $324,304,800 | 2,329 |
| Average earning assets | $306,764,800 | 2,297 |
| Average equity | $33,661,000 | 2,173 |
| Average total loans | $179,992,800 | 2,373 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6292% | 2,261 |
| Cost of funding earning assets | 0.2815% | 2,367 |
| Net interest margin | 3.3476% | 2,148 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.2323% | 2,839 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 0.8157% | 3,185 |
| Return on assets (ROA) | 0.8157% | 3,153 |
| Pretax return on assets | 1.0765% | 2,792 |
| Return on Equity (ROE) | 7.8400% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.8427% | 2,063 |
| Net charge-offs to loans | 0.0112% | 1,699 |
| Credit loss provision to net charge-offs | 3,140.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 206.1333% | 611 |
| Efficiency ratio | 63.7387% | 2,587 |
| Assets per employee ($millions) | 7.3475% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 2,552 |
| Loan loss allowance to noncurrent loans | 3,779.3103% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 2,635 |
| Noncurrent loans to loans | 0.0316% | 3,669 |
| Net loans and leases to total assets | 56.0400% | 2,898 |
| Net loans and leases to deposits | 64.2308% | 2,852 |
| Net loans and leases to core deposits | 69.6591% | 2,663 |
| Total domestic deposits to total assets | 87.2400% | 2,683 |
| Equity capital to assets | 9.8188% | 1,714 |
| Core capital (leverage) ratio | 11.3048% | 1,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $324,612,500 | 2,347 |
| Average earning assets | $307,352,500 | 2,313 |
| Average equity | $33,763,000 | 2,201 |
| Average total loans | $179,263,750 | 2,382 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4931% | 2,168 |
| Cost of funding earning assets | 0.2687% | 2,041 |
| Net interest margin | 3.2244% | 2,115 |
| Noninterest income to average assets | 0.3316% | 3,172 |
| Noninterest expense to average assets | 2.2082% | 2,824 |
| Loan and lease loss provision to assets | 0.2264% | 347 |
| Net operating income to assets | 0.7396% | 3,179 |
| Return on assets (ROA) | 0.7396% | 3,136 |
| Pretax return on assets | 0.9537% | 2,888 |
| Return on Equity (ROE) | 6.9810% | 3,320 |
| Retained earnings to average equity (ytd only) | 6.9810% | 1,998 |
| Net charge-offs to loans | 0.0135% | 1,509 |
| Credit loss provision to net charge-offs | 3,066.6667% | 169 |
| Earnings coverage of net charge-offs (x) | 159.8333% | 611 |
| Efficiency ratio | 65.1716% | 2,622 |
| Assets per employee ($millions) | 7.2866% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 2,756 |
| Loan loss allowance to noncurrent loans | 3,735.7143% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 2,740 |
| Noncurrent loans to loans | 0.0318% | 3,713 |
| Net loans and leases to total assets | 54.3509% | 2,923 |
| Net loans and leases to deposits | 60.9975% | 2,974 |
| Net loans and leases to core deposits | 66.9494% | 2,746 |
| Total domestic deposits to total assets | 89.1035% | 2,133 |
| Equity capital to assets | 10.0443% | 1,692 |
| Core capital (leverage) ratio | 10.9043% | 1,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,054,000 | 2,360 |
| Average earning assets | $308,152,000 | 2,336 |
| Average equity | $34,436,333 | 2,220 |
| Average total loans | $177,900,000 | 2,394 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2852% | 2,431 |
| Cost of funding earning assets | 0.2676% | 1,950 |
| Net interest margin | 3.0177% | 2,447 |
| Noninterest income to average assets | 0.3300% | 3,122 |
| Noninterest expense to average assets | 1.9946% | 3,435 |
| Loan and lease loss provision to assets | 0.2298% | 299 |
| Net operating income to assets | 0.6979% | 3,064 |
| Return on assets (ROA) | 0.6979% | 3,054 |
| Pretax return on assets | 0.9729% | 2,527 |
| Return on Equity (ROE) | 6.4242% | 3,211 |
| Retained earnings to average equity (ytd only) | 6.4242% | 2,099 |
| Net charge-offs to loans | 0.0157% | 1,225 |
| Credit loss provision to net charge-offs | 2,685.7143% | 160 |
| Earnings coverage of net charge-offs (x) | 140.5714% | 562 |
| Efficiency ratio | 62.3853% | 3,217 |
| Assets per employee ($millions) | 7.3459% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 3,447 |
| Loan loss allowance to noncurrent loans | 503.1496% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 2,245 |
| Noncurrent loans to loans | 0.2131% | 2,756 |
| Net loans and leases to total assets | 53.5020% | 2,819 |
| Net loans and leases to deposits | 60.4532% | 2,863 |
| Net loans and leases to core deposits | 66.8120% | 2,557 |
| Total domestic deposits to total assets | 88.5016% | 2,294 |
| Equity capital to assets | 10.5543% | 1,574 |
| Core capital (leverage) ratio | 11.0243% | 1,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,276,500 | 2,358 |
| Average earning assets | $310,966,000 | 2,332 |
| Average equity | $35,553,000 | 2,239 |
| Average total loans | $178,677,000 | 2,389 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5098% | 2,633 |
| Cost of funding earning assets | 0.3889% | 1,618 |
| Net interest margin | 3.1209% | 2,840 |
| Noninterest income to average assets | 0.4004% | 3,042 |
| Noninterest expense to average assets | 2.1957% | 3,103 |
| Loan and lease loss provision to assets | 0.2358% | 416 |
| Net operating income to assets | 0.6944% | 3,643 |
| Return on assets (ROA) | 0.6944% | 3,696 |
| Pretax return on assets | 0.9295% | 3,422 |
| Return on Equity (ROE) | 6.1351% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.1351% | 2,302 |
| Net charge-offs to loans | 0.0640% | 1,146 |
| Credit loss provision to net charge-offs | 626.4957% | 701 |
| Earnings coverage of net charge-offs (x) | 30.9658% | 1,587 |
| Efficiency ratio | 65.3301% | 2,356 |
| Assets per employee ($millions) | 7.3633% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 3,866 |
| Loan loss allowance to noncurrent loans | 459.5238% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2756% | 2,172 |
| Noncurrent loans to loans | 0.2117% | 2,900 |
| Net loans and leases to total assets | 54.5826% | 2,779 |
| Net loans and leases to deposits | 62.0056% | 2,880 |
| Net loans and leases to core deposits | 68.5336% | 2,604 |
| Total domestic deposits to total assets | 88.0285% | 2,031 |
| Equity capital to assets | 11.1786% | 1,679 |
| Core capital (leverage) ratio | 11.1268% | 1,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,922,400 | 2,391 |
| Average earning assets | $294,943,400 | 2,357 |
| Average equity | $35,191,200 | 2,281 |
| Average total loans | $182,758,800 | 2,363 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5168% | 2,777 |
| Cost of funding earning assets | 0.4260% | 1,516 |
| Net interest margin | 3.0909% | 3,075 |
| Noninterest income to average assets | 0.4503% | 2,839 |
| Noninterest expense to average assets | 2.1248% | 3,293 |
| Loan and lease loss provision to assets | 0.2415% | 391 |
| Net operating income to assets | 0.7749% | 3,587 |
| Return on assets (ROA) | 0.7749% | 3,651 |
| Pretax return on assets | 1.0150% | 3,409 |
| Return on Equity (ROE) | 6.8240% | 3,714 |
| Retained earnings to average equity (ytd only) | 6.8240% | 2,484 |
| Net charge-offs to loans | 0.0609% | 1,030 |
| Credit loss provision to net charge-offs | 663.0952% | 667 |
| Earnings coverage of net charge-offs (x) | 34.5119% | 1,454 |
| Efficiency ratio | 62.8429% | 2,562 |
| Assets per employee ($millions) | 7.2967% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8877% | 4,180 |
| Loan loss allowance to noncurrent loans | 323.1237% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 2,159 |
| Noncurrent loans to loans | 0.2747% | 2,815 |
| Net loans and leases to total assets | 55.3972% | 2,806 |
| Net loans and leases to deposits | 63.1116% | 2,944 |
| Net loans and leases to core deposits | 69.8790% | 2,606 |
| Total domestic deposits to total assets | 87.7766% | 1,962 |
| Equity capital to assets | 11.1650% | 1,909 |
| Core capital (leverage) ratio | 11.1780% | 1,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,656,500 | 2,427 |
| Average earning assets | $291,732,000 | 2,399 |
| Average equity | $34,934,750 | 2,325 |
| Average total loans | $183,804,250 | 2,397 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5721% | 2,710 |
| Cost of funding earning assets | 0.4705% | 1,378 |
| Net interest margin | 3.1015% | 3,032 |
| Noninterest income to average assets | 0.4862% | 2,688 |
| Noninterest expense to average assets | 2.1228% | 3,327 |
| Loan and lease loss provision to assets | 0.3087% | 272 |
| Net operating income to assets | 0.7665% | 3,605 |
| Return on assets (ROA) | 0.7665% | 3,669 |
| Pretax return on assets | 0.9941% | 3,455 |
| Return on Equity (ROE) | 6.7108% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.7108% | 2,536 |
| Net charge-offs to loans | 0.0950% | 763 |
| Credit loss provision to net charge-offs | 531.8182% | 659 |
| Earnings coverage of net charge-offs (x) | 22.4432% | 1,484 |
| Efficiency ratio | 61.9680% | 2,732 |
| Assets per employee ($millions) | 7.1228% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 4,317 |
| Loan loss allowance to noncurrent loans | 233.6449% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 2,278 |
| Noncurrent loans to loans | 0.3563% | 2,619 |
| Net loans and leases to total assets | 57.0098% | 2,783 |
| Net loans and leases to deposits | 64.8214% | 2,915 |
| Net loans and leases to core deposits | 72.2665% | 2,582 |
| Total domestic deposits to total assets | 87.9491% | 1,853 |
| Equity capital to assets | 11.2379% | 1,803 |
| Core capital (leverage) ratio | 11.2596% | 1,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,190,000 | 2,443 |
| Average earning assets | $287,341,333 | 2,414 |
| Average equity | $34,631,000 | 2,329 |
| Average total loans | $185,256,000 | 2,391 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6988% | 2,362 |
| Cost of funding earning assets | 0.5160% | 1,295 |
| Net interest margin | 3.1828% | 2,753 |
| Noninterest income to average assets | 0.5180% | 2,527 |
| Noninterest expense to average assets | 2.0719% | 3,506 |
| Loan and lease loss provision to assets | 0.4334% | 163 |
| Net operating income to assets | 0.7474% | 3,581 |
| Return on assets (ROA) | 0.7474% | 3,651 |
| Pretax return on assets | 1.0252% | 3,304 |
| Return on Equity (ROE) | 6.4887% | 3,731 |
| Retained earnings to average equity (ytd only) | 6.4887% | 2,732 |
| Net charge-offs to loans | 0.1704% | 473 |
| Credit loss provision to net charge-offs | 403.7500% | 653 |
| Earnings coverage of net charge-offs (x) | 13.5875% | 1,397 |
| Efficiency ratio | 58.6849% | 3,205 |
| Assets per employee ($millions) | 6.9772% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7243% | 4,532 |
| Loan loss allowance to noncurrent loans | 171.6625% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 2,106 |
| Noncurrent loans to loans | 0.4219% | 2,591 |
| Net loans and leases to total assets | 60.8567% | 2,422 |
| Net loans and leases to deposits | 69.3470% | 2,568 |
| Net loans and leases to core deposits | 77.3102% | 2,232 |
| Total domestic deposits to total assets | 87.7568% | 1,974 |
| Equity capital to assets | 11.2754% | 1,671 |
| Core capital (leverage) ratio | 11.5941% | 1,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $298,083,000 | 2,447 |
| Average earning assets | $282,144,000 | 2,428 |
| Average equity | $34,336,500 | 2,338 |
| Average total loans | $187,798,500 | 2,371 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0303% | 2,637 |
| Cost of funding earning assets | 0.7548% | 1,426 |
| Net interest margin | 3.2754% | 3,143 |
| Noninterest income to average assets | 0.4829% | 2,709 |
| Noninterest expense to average assets | 2.6699% | 2,328 |
| Loan and lease loss provision to assets | 0.5334% | 431 |
| Net operating income to assets | 0.2813% | 4,461 |
| Return on assets (ROA) | 0.2813% | 4,524 |
| Pretax return on assets | 0.3497% | 4,487 |
| Return on Equity (ROE) | 2.1501% | 4,541 |
| Retained earnings to average equity (ytd only) | 2.1501% | 3,762 |
| Net charge-offs to loans | 0.9997% | 133 |
| Credit loss provision to net charge-offs | 75.3568% | 3,015 |
| Earnings coverage of net charge-offs (x) | 1.2475% | 3,272 |
| Efficiency ratio | 75.1449% | 1,322 |
| Assets per employee ($millions) | 6.5721% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5976% | 4,716 |
| Loan loss allowance to noncurrent loans | 155.3398% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 2,276 |
| Noncurrent loans to loans | 0.3847% | 2,830 |
| Net loans and leases to total assets | 64.4211% | 2,309 |
| Net loans and leases to deposits | 73.7251% | 2,513 |
| Net loans and leases to core deposits | 81.9424% | 2,196 |
| Total domestic deposits to total assets | 87.3801% | 1,752 |
| Equity capital to assets | 11.7778% | 1,691 |
| Core capital (leverage) ratio | 12.1416% | 1,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,383,400 | 2,528 |
| Average earning assets | $241,250,200 | 2,522 |
| Average equity | $33,672,200 | 2,306 |
| Average total loans | $182,251,400 | 2,393 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 2,637 |
| Cost of funding earning assets | 0.8043% | 1,476 |
| Net interest margin | 3.3121% | 3,151 |
| Noninterest income to average assets | 0.4442% | 2,872 |
| Noninterest expense to average assets | 2.6582% | 2,367 |
| Loan and lease loss provision to assets | 0.5488% | 498 |
| Net operating income to assets | 0.2400% | 4,536 |
| Return on assets (ROA) | 0.2400% | 4,573 |
| Pretax return on assets | 0.3341% | 4,511 |
| Return on Equity (ROE) | 1.7830% | 4,587 |
| Retained earnings to average equity (ytd only) | 1.7830% | 4,005 |
| Net charge-offs to loans | 0.1149% | 1,206 |
| Credit loss provision to net charge-offs | 658.3333% | 1,109 |
| Earnings coverage of net charge-offs (x) | 10.5897% | 2,347 |
| Efficiency ratio | 75.0642% | 1,294 |
| Assets per employee ($millions) | 6.0754% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 2,074 |
| Loan loss allowance to noncurrent loans | 107.3471% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.3033% | 722 |
| Noncurrent loans to loans | 1.2307% | 1,238 |
| Net loans and leases to total assets | 68.1756% | 2,216 |
| Net loans and leases to deposits | 78.9551% | 2,428 |
| Net loans and leases to core deposits | 85.0503% | 2,376 |
| Total domestic deposits to total assets | 86.3473% | 1,920 |
| Equity capital to assets | 12.6378% | 1,356 |
| Core capital (leverage) ratio | 12.8194% | 998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,436,500 | 2,565 |
| Average earning assets | $233,239,500 | 2,555 |
| Average equity | $33,575,750 | 2,300 |
| Average total loans | $180,962,500 | 2,406 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 2,896 |
| Cost of funding earning assets | 0.8556% | 1,573 |
| Net interest margin | 3.3003% | 3,387 |
| Noninterest income to average assets | 0.3754% | 3,230 |
| Noninterest expense to average assets | 2.7272% | 2,301 |
| Loan and lease loss provision to assets | 0.2809% | 1,532 |
| Net operating income to assets | 0.1955% | 4,578 |
| Return on assets (ROA) | 0.1955% | 4,620 |
| Pretax return on assets | 0.4501% | 4,330 |
| Return on Equity (ROE) | 1.4206% | 4,631 |
| Retained earnings to average equity (ytd only) | 1.4206% | 3,966 |
| Net charge-offs to loans | 0.0078% | 2,671 |
| Credit loss provision to net charge-offs | 4,885.7143% | 242 |
| Earnings coverage of net charge-offs (x) | 127.1429% | 600 |
| Efficiency ratio | 78.8599% | 974 |
| Assets per employee ($millions) | 5.8395% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 3,355 |
| Loan loss allowance to noncurrent loans | 57.3494% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.7580% | 468 |
| Noncurrent loans to loans | 1.8180% | 771 |
| Net loans and leases to total assets | 70.3344% | 1,980 |
| Net loans and leases to deposits | 81.9625% | 2,212 |
| Net loans and leases to core deposits | 87.8661% | 2,255 |
| Total domestic deposits to total assets | 85.8129% | 2,091 |
| Equity capital to assets | 13.0662% | 1,140 |
| Core capital (leverage) ratio | 13.3331% | 919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,476,333 | 2,586 |
| Average earning assets | $227,433,333 | 2,570 |
| Average equity | $33,506,667 | 2,289 |
| Average total loans | $179,721,667 | 2,401 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7053% | 1,692 |
| Cost of funding earning assets | 0.9770% | 1,529 |
| Net interest margin | 3.7284% | 2,223 |
| Noninterest income to average assets | 0.3852% | 3,200 |
| Noninterest expense to average assets | 2.8131% | 2,394 |
| Loan and lease loss provision to assets | 0.2365% | 1,314 |
| Net operating income to assets | 0.4663% | 3,980 |
| Return on assets (ROA) | 0.4663% | 4,038 |
| Pretax return on assets | 0.8110% | 3,383 |
| Return on Equity (ROE) | 3.2981% | 4,145 |
| Retained earnings to average equity (ytd only) | 3.2981% | 2,960 |
| Net charge-offs to loans | 0.0157% | 2,054 |
| Credit loss provision to net charge-offs | 2,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 88.5714% | 630 |
| Efficiency ratio | 72.8665% | 1,958 |
| Assets per employee ($millions) | 5.5814% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 3,925 |
| Loan loss allowance to noncurrent loans | 51.8270% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.7579% | 535 |
| Noncurrent loans to loans | 1.8354% | 814 |
| Net loans and leases to total assets | 73.8427% | 1,632 |
| Net loans and leases to deposits | 86.7898% | 1,901 |
| Net loans and leases to core deposits | 93.1278% | 2,054 |
| Total domestic deposits to total assets | 85.0822% | 2,383 |
| Equity capital to assets | 14.0049% | 1,057 |
| Core capital (leverage) ratio | 14.0905% | 887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4080% | 1,080 |
| Memoranda: | ||
| Average total assets | $236,746,000 | 2,582 |
| Average earning assets | $220,685,500 | 2,569 |
| Average equity | $33,474,000 | 2,273 |
| Average total loans | $178,273,000 | 2,380 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0108% | 1,448 |
| Cost of funding earning assets | 0.9020% | 2,182 |
| Net interest margin | 4.1087% | 1,518 |
| Noninterest income to average assets | 0.4282% | 3,116 |
| Noninterest expense to average assets | 2.9067% | 2,275 |
| Loan and lease loss provision to assets | 0.1823% | 1,131 |
| Net operating income to assets | 0.8894% | 3,252 |
| Return on assets (ROA) | 0.8894% | 3,338 |
| Pretax return on assets | 1.1795% | 2,911 |
| Return on Equity (ROE) | 6.2303% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.2303% | 1,755 |
| Net charge-offs to loans | 0.0460% | 2,467 |
| Credit loss provision to net charge-offs | 516.2500% | 567 |
| Earnings coverage of net charge-offs (x) | 38.5625% | 1,349 |
| Efficiency ratio | 68.0972% | 2,444 |
| Assets per employee ($millions) | 5.4300% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 4,039 |
| Loan loss allowance to noncurrent loans | 58.8301% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.5427% | 648 |
| Noncurrent loans to loans | 1.5015% | 962 |
| Net loans and leases to total assets | 75.3998% | 1,526 |
| Net loans and leases to deposits | 88.7774% | 1,737 |
| Net loans and leases to core deposits | 95.7897% | 1,919 |
| Total domestic deposits to total assets | 84.9313% | 2,520 |
| Equity capital to assets | 14.2773% | 1,009 |
| Core capital (leverage) ratio | 14.2194% | 872 |
| Tier 1 risk-based capital ratio | 18.7347% | 1,578 |
| Total risk-based capital ratio | 19.6222% | 1,641 |
| Memoranda: | ||
| Average total assets | $226,546,200 | 2,604 |
| Average earning assets | $211,743,800 | 2,587 |
| Average equity | $32,341,800 | 2,285 |
| Average total loans | $174,006,400 | 2,380 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0498% | 1,418 |
| Cost of funding earning assets | 0.8836% | 2,303 |
| Net interest margin | 4.1662% | 1,456 |
| Noninterest income to average assets | 0.4235% | 3,186 |
| Noninterest expense to average assets | 2.8835% | 2,307 |
| Loan and lease loss provision to assets | 0.2100% | 828 |
| Net operating income to assets | 0.9448% | 3,188 |
| Return on assets (ROA) | 0.9448% | 3,262 |
| Pretax return on assets | 1.2283% | 2,888 |
| Return on Equity (ROE) | 6.6181% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.6181% | 2,046 |
| Net charge-offs to loans | 0.0616% | 1,942 |
| Credit loss provision to net charge-offs | 442.5000% | 701 |
| Earnings coverage of net charge-offs (x) | 30.3136% | 1,614 |
| Efficiency ratio | 66.7216% | 2,631 |
| Assets per employee ($millions) | 5.3975% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8561% | 4,211 |
| Loan loss allowance to noncurrent loans | 271.5827% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.6424% | 2,081 |
| Noncurrent loans to loans | 0.3152% | 3,401 |
| Net loans and leases to total assets | 75.3460% | 1,595 |
| Net loans and leases to deposits | 88.8925% | 1,825 |
| Net loans and leases to core deposits | 95.1265% | 2,076 |
| Total domestic deposits to total assets | 84.7608% | 2,520 |
| Equity capital to assets | 14.1814% | 1,083 |
| Core capital (leverage) ratio | 14.3524% | 892 |
| Tier 1 risk-based capital ratio | 19.9589% | 1,366 |
| Total risk-based capital ratio | 20.8799% | 1,400 |
| Memoranda: | ||
| Average total assets | $224,810,250 | 2,642 |
| Average earning assets | $210,352,750 | 2,627 |
| Average equity | $32,093,250 | 2,310 |
| Average total loans | $173,103,000 | 2,417 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0579% | 1,328 |
| Cost of funding earning assets | 0.8547% | 2,379 |
| Net interest margin | 4.2032% | 1,358 |
| Noninterest income to average assets | 0.4299% | 3,068 |
| Noninterest expense to average assets | 2.9777% | 2,066 |
| Loan and lease loss provision to assets | 0.1169% | 1,603 |
| Net operating income to assets | 0.9254% | 3,187 |
| Return on assets (ROA) | 0.9254% | 3,246 |
| Pretax return on assets | 1.2672% | 2,683 |
| Return on Equity (ROE) | 6.4677% | 3,886 |
| Retained earnings to average equity (ytd only) | 6.4677% | 2,071 |
| Net charge-offs to loans | 0.0081% | 2,854 |
| Credit loss provision to net charge-offs | 1,857.1429% | 205 |
| Earnings coverage of net charge-offs (x) | 219.8571% | 365 |
| Efficiency ratio | 68.2680% | 2,492 |
| Assets per employee ($millions) | 5.3234% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7696% | 4,543 |
| Loan loss allowance to noncurrent loans | 139.2418% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 2,234 |
| Noncurrent loans to loans | 0.5527% | 2,613 |
| Net loans and leases to total assets | 76.5458% | 1,461 |
| Net loans and leases to deposits | 90.7988% | 1,658 |
| Net loans and leases to core deposits | 97.4446% | 1,935 |
| Total domestic deposits to total assets | 84.3027% | 2,757 |
| Equity capital to assets | 14.1324% | 1,076 |
| Core capital (leverage) ratio | 14.2846% | 883 |
| Tier 1 risk-based capital ratio | 19.4652% | 1,445 |
| Total risk-based capital ratio | 20.2874% | 1,510 |
| Memoranda: | ||
| Average total assets | $222,383,000 | 2,672 |
| Average earning assets | $208,033,000 | 2,660 |
| Average equity | $31,819,670 | 2,314 |
| Average total loans | $172,010,000 | 2,436 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9460% | 1,487 |
| Cost of funding earning assets | 0.8286% | 2,378 |
| Net interest margin | 4.1174% | 1,507 |
| Noninterest income to average assets | 0.4034% | 3,160 |
| Noninterest expense to average assets | 2.9500% | 2,135 |
| Loan and lease loss provision to assets | 0.0365% | 2,889 |
| Net operating income to assets | 0.9000% | 3,234 |
| Return on assets (ROA) | 0.9000% | 3,287 |
| Pretax return on assets | 1.2632% | 2,588 |
| Return on Equity (ROE) | 6.2495% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.2495% | 2,342 |
| Net charge-offs to loans | -0.0094% | 4,208 |
| Credit loss provision to net charge-offs | -500.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4158% | 2,441 |
| Assets per employee ($millions) | 5.1883% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7346% | 4,705 |
| Loan loss allowance to noncurrent loans | 68.5528% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.0081% | 1,387 |
| Noncurrent loans to loans | 1.0716% | 1,555 |
| Net loans and leases to total assets | 76.3138% | 1,427 |
| Net loans and leases to deposits | 90.1788% | 1,605 |
| Net loans and leases to core deposits | 96.9197% | 1,861 |
| Total domestic deposits to total assets | 84.6250% | 2,809 |
| Equity capital to assets | 14.2575% | 949 |
| Core capital (leverage) ratio | 14.5029% | 816 |
| Tier 1 risk-based capital ratio | 19.5202% | 1,433 |
| Total risk-based capital ratio | 20.2976% | 1,508 |
| Memoranda: | ||
| Average total assets | $219,121,500 | 2,729 |
| Average earning assets | $204,692,000 | 2,719 |
| Average equity | $31,554,500 | 2,329 |
| Average total loans | $169,726,500 | 2,482 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6854% | 1,877 |
| Cost of funding earning assets | 0.7223% | 1,940 |
| Net interest margin | 3.9631% | 2,115 |
| Noninterest income to average assets | 0.5971% | 2,308 |
| Noninterest expense to average assets | 2.8987% | 2,358 |
| Loan and lease loss provision to assets | 0.2594% | 655 |
| Net operating income to assets | 0.8149% | 3,750 |
| Return on assets (ROA) | 0.8149% | 3,750 |
| Pretax return on assets | 1.1522% | 3,091 |
| Return on Equity (ROE) | 5.8628% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.8628% | 2,261 |
| Net charge-offs to loans | 0.2199% | 879 |
| Credit loss provision to net charge-offs | 162.4642% | 1,707 |
| Earnings coverage of net charge-offs (x) | 8.8395% | 2,860 |
| Efficiency ratio | 67.2505% | 2,668 |
| Assets per employee ($millions) | 5.0034% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7360% | 4,717 |
| Loan loss allowance to noncurrent loans | 475.3846% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 3,309 |
| Noncurrent loans to loans | 0.1548% | 4,045 |
| Net loans and leases to total assets | 77.4838% | 1,357 |
| Net loans and leases to deposits | 91.4424% | 1,610 |
| Net loans and leases to core deposits | 98.4835% | 1,830 |
| Total domestic deposits to total assets | 84.7351% | 2,757 |
| Equity capital to assets | 14.5487% | 826 |
| Core capital (leverage) ratio | 14.4548% | 813 |
| Tier 1 risk-based capital ratio | 19.4484% | 1,415 |
| Total risk-based capital ratio | 20.1067% | 1,508 |
| Memoranda: | ||
| Average total assets | $218,547,000 | 2,705 |
| Average earning assets | $204,765,800 | 2,682 |
| Average equity | $30,377,800 | 2,314 |
| Average total loans | $158,684,400 | 2,542 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5852% | 2,020 |
| Cost of funding earning assets | 0.7069% | 1,809 |
| Net interest margin | 3.8783% | 2,378 |
| Noninterest income to average assets | 0.6448% | 2,100 |
| Noninterest expense to average assets | 2.8526% | 2,451 |
| Loan and lease loss provision to assets | 0.2856% | 524 |
| Net operating income to assets | 0.8010% | 3,894 |
| Return on assets (ROA) | 0.8010% | 3,901 |
| Pretax return on assets | 1.1443% | 3,219 |
| Return on Equity (ROE) | 5.8291% | 4,309 |
| Retained earnings to average equity (ytd only) | 5.8291% | 2,741 |
| Net charge-offs to loans | 0.2592% | 643 |
| Credit loss provision to net charge-offs | 154.6053% | 1,663 |
| Earnings coverage of net charge-offs (x) | 7.7402% | 2,778 |
| Efficiency ratio | 66.6099% | 2,769 |
| Assets per employee ($millions) | 4.9598% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7324% | 4,807 |
| Loan loss allowance to noncurrent loans | 623.1579% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 3,622 |
| Noncurrent loans to loans | 0.1175% | 4,362 |
| Net loans and leases to total assets | 73.5378% | 2,064 |
| Net loans and leases to deposits | 86.5520% | 2,313 |
| Net loans and leases to core deposits | 94.0869% | 2,279 |
| Total domestic deposits to total assets | 84.9637% | 2,622 |
| Equity capital to assets | 14.1244% | 918 |
| Core capital (leverage) ratio | 14.1013% | 908 |
| Tier 1 risk-based capital ratio | 19.0213% | 1,530 |
| Total risk-based capital ratio | 19.6558% | 1,648 |
| Memoranda: | ||
| Average total assets | $219,397,000 | 2,715 |
| Average earning assets | $205,788,500 | 2,686 |
| Average equity | $30,147,000 | 2,333 |
| Average total loans | $156,370,500 | 2,577 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5214% | 2,022 |
| Cost of funding earning assets | 0.6804% | 1,738 |
| Net interest margin | 3.8410% | 2,415 |
| Noninterest income to average assets | 0.6898% | 1,913 |
| Noninterest expense to average assets | 2.9174% | 2,301 |
| Loan and lease loss provision to assets | 0.3449% | 385 |
| Net operating income to assets | 0.7562% | 4,012 |
| Return on assets (ROA) | 0.7562% | 4,011 |
| Pretax return on assets | 1.0337% | 3,555 |
| Return on Equity (ROE) | 5.5546% | 4,387 |
| Retained earnings to average equity (ytd only) | 5.5546% | 2,792 |
| Net charge-offs to loans | 0.0349% | 2,152 |
| Credit loss provision to net charge-offs | 1,403.7037% | 302 |
| Earnings coverage of net charge-offs (x) | 56.1111% | 1,039 |
| Efficiency ratio | 67.9093% | 2,664 |
| Assets per employee ($millions) | 4.9957% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8700% | 4,472 |
| Loan loss allowance to noncurrent loans | 883.8710% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 3,771 |
| Noncurrent loans to loans | 0.0984% | 4,470 |
| Net loans and leases to total assets | 71.0142% | 2,434 |
| Net loans and leases to deposits | 83.4088% | 2,602 |
| Net loans and leases to core deposits | 90.9571% | 2,491 |
| Total domestic deposits to total assets | 85.1400% | 2,622 |
| Equity capital to assets | 13.8028% | 989 |
| Core capital (leverage) ratio | 13.7727% | 970 |
| Tier 1 risk-based capital ratio | 20.6095% | 1,230 |
| Total risk-based capital ratio | 21.4570% | 1,262 |
| Memoranda: | ||
| Average total assets | $219,785,330 | 2,730 |
| Average earning assets | $206,351,330 | 2,701 |
| Average equity | $29,921,330 | 2,355 |
| Average total loans | $154,605,000 | 2,609 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4760% | 1,941 |
| Cost of funding earning assets | 0.6289% | 1,854 |
| Net interest margin | 3.8471% | 2,237 |
| Noninterest income to average assets | 0.9173% | 1,105 |
| Noninterest expense to average assets | 2.9449% | 2,211 |
| Loan and lease loss provision to assets | 0.5078% | 203 |
| Net operating income to assets | 0.6953% | 4,114 |
| Return on assets (ROA) | 0.6953% | 4,122 |
| Pretax return on assets | 1.0829% | 3,238 |
| Return on Equity (ROE) | 5.1427% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.1427% | 3,104 |
| Net charge-offs to loans | 0.0104% | 2,372 |
| Credit loss provision to net charge-offs | 6,975.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 218.5000% | 308 |
| Efficiency ratio | 64.9278% | 3,330 |
| Assets per employee ($millions) | 5.0180% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 4,688 |
| Loan loss allowance to noncurrent loans | 1,105.1282% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 3,953 |
| Noncurrent loans to loans | 0.0755% | 4,646 |
| Net loans and leases to total assets | 69.5920% | 2,548 |
| Net loans and leases to deposits | 81.2379% | 2,666 |
| Net loans and leases to core deposits | 89.1306% | 2,527 |
| Total domestic deposits to total assets | 85.6645% | 2,687 |
| Equity capital to assets | 13.5398% | 1,035 |
| Core capital (leverage) ratio | 13.5963% | 982 |
| Tier 1 risk-based capital ratio | 20.2718% | 1,301 |
| Total risk-based capital ratio | 21.0413% | 1,352 |
| Memoranda: | ||
| Average total assets | $219,772,500 | 2,758 |
| Average earning assets | $206,703,000 | 2,725 |
| Average equity | $29,712,000 | 2,390 |
| Average total loans | $153,174,000 | 2,651 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1116% | 3,016 |
| Cost of funding earning assets | 0.6047% | 1,567 |
| Net interest margin | 3.5069% | 3,501 |
| Noninterest income to average assets | 0.3921% | 3,692 |
| Noninterest expense to average assets | 2.8407% | 2,647 |
| Loan and lease loss provision to assets | 0.0437% | 3,369 |
| Net operating income to assets | 0.5449% | 4,241 |
| Return on assets (ROA) | 0.5449% | 4,271 |
| Pretax return on assets | 0.8251% | 4,185 |
| Return on Equity (ROE) | 4.0928% | 4,475 |
| Retained earnings to average equity (ytd only) | 4.0928% | 2,715 |
| Net charge-offs to loans | 0.0562% | 2,683 |
| Credit loss provision to net charge-offs | 115.8537% | 2,262 |
| Earnings coverage of net charge-offs (x) | 23.0244% | 1,829 |
| Efficiency ratio | 76.5786% | 1,544 |
| Assets per employee ($millions) | 4.9716% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6724% | 5,119 |
| Loan loss allowance to noncurrent loans | 402.3715% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 3,710 |
| Noncurrent loans to loans | 0.1671% | 4,255 |
| Net loans and leases to total assets | 68.7457% | 2,714 |
| Net loans and leases to deposits | 80.1905% | 2,893 |
| Net loans and leases to core deposits | 87.8569% | 2,736 |
| Total domestic deposits to total assets | 85.7281% | 2,562 |
| Equity capital to assets | 13.4989% | 1,064 |
| Core capital (leverage) ratio | 13.4929% | 966 |
| Tier 1 risk-based capital ratio | 20.8171% | 1,174 |
| Total risk-based capital ratio | 21.4134% | 1,246 |
| Memoranda: | ||
| Average total assets | $217,306,800 | 2,753 |
| Average earning assets | $205,564,000 | 2,718 |
| Average equity | $28,929,000 | 2,435 |
| Average total loans | $145,890,200 | 2,701 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0445% | 3,199 |
| Cost of funding earning assets | 0.5950% | 1,561 |
| Net interest margin | 3.4495% | 3,677 |
| Noninterest income to average assets | 0.3884% | 3,766 |
| Noninterest expense to average assets | 2.7736% | 2,818 |
| Loan and lease loss provision to assets | 0.0553% | 2,985 |
| Net operating income to assets | 0.5457% | 4,592 |
| Return on assets (ROA) | 0.5457% | 4,625 |
| Pretax return on assets | 0.8229% | 4,294 |
| Return on Equity (ROE) | 4.1140% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.1140% | 3,465 |
| Net charge-offs to loans | 0.0175% | 3,152 |
| Credit loss provision to net charge-offs | 473.6842% | 677 |
| Earnings coverage of net charge-offs (x) | 75.2187% | 853 |
| Efficiency ratio | 75.9509% | 1,601 |
| Assets per employee ($millions) | 5.0784% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7253% | 5,084 |
| Loan loss allowance to noncurrent loans | 373.6111% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 3,622 |
| Noncurrent loans to loans | 0.1941% | 4,305 |
| Net loans and leases to total assets | 67.4442% | 2,929 |
| Net loans and leases to deposits | 78.5565% | 3,113 |
| Net loans and leases to core deposits | 85.3367% | 3,025 |
| Total domestic deposits to total assets | 85.8545% | 2,369 |
| Equity capital to assets | 13.3895% | 1,210 |
| Core capital (leverage) ratio | 13.3279% | 1,090 |
| Tier 1 risk-based capital ratio | 21.2448% | 1,154 |
| Total risk-based capital ratio | 21.9085% | 1,223 |
| Memoranda: | ||
| Average total assets | $216,945,750 | 2,779 |
| Average earning assets | $205,243,750 | 2,737 |
| Average equity | $28,779,000 | 2,460 |
| Average total loans | $144,512,750 | 2,733 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9563% | 3,361 |
| Cost of funding earning assets | 0.5762% | 1,603 |
| Net interest margin | 3.3801% | 3,839 |
| Noninterest income to average assets | 0.3862% | 3,781 |
| Noninterest expense to average assets | 2.7754% | 2,843 |
| Loan and lease loss provision to assets | 0.0416% | 3,172 |
| Net operating income to assets | 0.5257% | 4,630 |
| Return on assets (ROA) | 0.5257% | 4,660 |
| Pretax return on assets | 0.7668% | 4,387 |
| Return on Equity (ROE) | 3.9755% | 4,836 |
| Retained earnings to average equity (ytd only) | 3.9755% | 3,339 |
| Net charge-offs to loans | 0.0140% | 2,974 |
| Credit loss provision to net charge-offs | 450.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 716 |
| Efficiency ratio | 77.4426% | 1,536 |
| Assets per employee ($millions) | 5.0866% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7168% | 5,172 |
| Loan loss allowance to noncurrent loans | 392.4528% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 3,450 |
| Noncurrent loans to loans | 0.1826% | 4,388 |
| Net loans and leases to total assets | 65.8583% | 3,129 |
| Net loans and leases to deposits | 76.7441% | 3,252 |
| Net loans and leases to core deposits | 83.0703% | 3,168 |
| Total domestic deposits to total assets | 85.8155% | 2,465 |
| Equity capital to assets | 13.2217% | 1,268 |
| Core capital (leverage) ratio | 13.2391% | 1,086 |
| Tier 1 risk-based capital ratio | 21.3438% | 1,139 |
| Total risk-based capital ratio | 21.9876% | 1,210 |
| Memoranda: | ||
| Average total assets | $216,470,000 | 2,795 |
| Average earning assets | $204,786,330 | 2,761 |
| Average equity | $28,625,670 | 2,458 |
| Average total loans | $143,231,670 | 2,755 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8640% | 3,533 |
| Cost of funding earning assets | 0.5677% | 1,600 |
| Net interest margin | 3.2963% | 4,019 |
| Noninterest income to average assets | 0.3622% | 3,942 |
| Noninterest expense to average assets | 2.7194% | 3,071 |
| Loan and lease loss provision to assets | 0.0334% | 3,117 |
| Net operating income to assets | 0.4997% | 4,597 |
| Return on assets (ROA) | 0.4997% | 4,623 |
| Pretax return on assets | 0.7263% | 4,362 |
| Return on Equity (ROE) | 3.7782% | 4,848 |
| Retained earnings to average equity (ytd only) | 3.7782% | 3,559 |
| Net charge-offs to loans | 0.0281% | 2,193 |
| Credit loss provision to net charge-offs | 180.0000% | 1,088 |
| Earnings coverage of net charge-offs (x) | 40.9000% | 1,026 |
| Efficiency ratio | 78.1634% | 1,608 |
| Assets per employee ($millions) | 5.0942% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7106% | 5,283 |
| Loan loss allowance to noncurrent loans | 365.7040% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 3,500 |
| Noncurrent loans to loans | 0.1943% | 4,424 |
| Net loans and leases to total assets | 64.6148% | 3,182 |
| Net loans and leases to deposits | 75.2038% | 3,281 |
| Net loans and leases to core deposits | 81.0479% | 3,193 |
| Total domestic deposits to total assets | 85.9196% | 2,704 |
| Equity capital to assets | 13.0633% | 1,231 |
| Core capital (leverage) ratio | 13.2612% | 1,053 |
| Tier 1 risk-based capital ratio | 21.3207% | 1,170 |
| Total risk-based capital ratio | 21.9322% | 1,244 |
| Memoranda: | ||
| Average total assets | $215,343,000 | 2,832 |
| Average earning assets | $203,622,000 | 2,793 |
| Average equity | $28,479,000 | 2,482 |
| Average total loans | $142,303,500 | 2,781 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 3,272 |
| Cost of funding earning assets | 0.5900% | 1,405 |
| Net interest margin | 3.3886% | 3,858 |
| Noninterest income to average assets | 0.4026% | 3,866 |
| Noninterest expense to average assets | 2.7894% | 3,059 |
| Loan and lease loss provision to assets | 0.0774% | 2,814 |
| Net operating income to assets | 0.4531% | 4,788 |
| Return on assets (ROA) | 0.4531% | 4,866 |
| Pretax return on assets | 0.7350% | 4,383 |
| Return on Equity (ROE) | 3.3777% | 5,050 |
| Retained earnings to average equity (ytd only) | 3.3777% | 3,519 |
| Net charge-offs to loans | 0.1103% | 2,167 |
| Credit loss provision to net charge-offs | 103.2051% | 2,509 |
| Earnings coverage of net charge-offs (x) | 10.8269% | 2,597 |
| Efficiency ratio | 77.4439% | 1,780 |
| Assets per employee ($millions) | 4.9218% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7075% | 5,343 |
| Loan loss allowance to noncurrent loans | 209.3750% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.4867% | 3,312 |
| Noncurrent loans to loans | 0.3379% | 3,928 |
| Net loans and leases to total assets | 66.6476% | 2,980 |
| Net loans and leases to deposits | 77.5180% | 3,157 |
| Net loans and leases to core deposits | 83.5383% | 3,071 |
| Total domestic deposits to total assets | 85.9769% | 2,595 |
| Equity capital to assets | 13.3923% | 1,094 |
| Core capital (leverage) ratio | 13.4369% | 991 |
| Tier 1 risk-based capital ratio | 21.4806% | 1,140 |
| Total risk-based capital ratio | 22.1369% | 1,208 |
| Memoranda: | ||
| Average total assets | $207,892,000 | 2,881 |
| Average earning assets | $196,273,000 | 2,836 |
| Average equity | $27,888,800 | 2,516 |
| Average total loans | $141,445,000 | 2,759 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9852% | 3,285 |
| Cost of funding earning assets | 0.5931% | 1,388 |
| Net interest margin | 3.3921% | 3,875 |
| Noninterest income to average assets | 0.3994% | 3,925 |
| Noninterest expense to average assets | 2.7264% | 3,274 |
| Loan and lease loss provision to assets | 0.0876% | 2,476 |
| Net operating income to assets | 0.4825% | 4,757 |
| Return on assets (ROA) | 0.4825% | 4,848 |
| Pretax return on assets | 0.7873% | 4,343 |
| Return on Equity (ROE) | 3.5954% | 5,055 |
| Retained earnings to average equity (ytd only) | 3.5954% | 3,736 |
| Net charge-offs to loans | 0.0528% | 2,609 |
| Credit loss provision to net charge-offs | 242.8571% | 1,222 |
| Earnings coverage of net charge-offs (x) | 24.2515% | 1,685 |
| Efficiency ratio | 75.7066% | 2,021 |
| Assets per employee ($millions) | 4.8984% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7659% | 5,286 |
| Loan loss allowance to noncurrent loans | 168.2243% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 3,482 |
| Noncurrent loans to loans | 0.4553% | 3,650 |
| Net loans and leases to total assets | 66.4306% | 3,053 |
| Net loans and leases to deposits | 77.5026% | 3,243 |
| Net loans and leases to core deposits | 83.2797% | 3,191 |
| Total domestic deposits to total assets | 85.7139% | 2,500 |
| Equity capital to assets | 13.3698% | 1,307 |
| Core capital (leverage) ratio | 13.4732% | 1,011 |
| Tier 1 risk-based capital ratio | 21.6231% | 1,179 |
| Total risk-based capital ratio | 22.3508% | 1,229 |
| Memoranda: | ||
| Average total assets | $206,955,750 | 2,899 |
| Average earning assets | $195,350,500 | 2,854 |
| Average equity | $27,775,250 | 2,543 |
| Average total loans | $141,292,250 | 2,767 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9998% | 3,244 |
| Cost of funding earning assets | 0.6010% | 1,308 |
| Net interest margin | 3.3988% | 3,897 |
| Noninterest income to average assets | 0.4171% | 3,772 |
| Noninterest expense to average assets | 2.6987% | 3,401 |
| Loan and lease loss provision to assets | 0.0855% | 2,437 |
| Net operating income to assets | 0.4900% | 4,716 |
| Return on assets (ROA) | 0.4900% | 4,818 |
| Pretax return on assets | 0.8380% | 4,165 |
| Return on Equity (ROE) | 3.6460% | 5,040 |
| Retained earnings to average equity (ytd only) | 3.6460% | 3,576 |
| Net charge-offs to loans | 0.0651% | 2,267 |
| Credit loss provision to net charge-offs | 191.3043% | 1,346 |
| Earnings coverage of net charge-offs (x) | 20.6522% | 1,717 |
| Efficiency ratio | 74.5035% | 2,292 |
| Assets per employee ($millions) | 4.7787% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 5,435 |
| Loan loss allowance to noncurrent loans | 174.5394% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4803% | 3,609 |
| Noncurrent loans to loans | 0.4235% | 3,835 |
| Net loans and leases to total assets | 68.1003% | 2,761 |
| Net loans and leases to deposits | 79.5290% | 2,998 |
| Net loans and leases to core deposits | 84.3969% | 3,045 |
| Total domestic deposits to total assets | 85.6296% | 2,596 |
| Equity capital to assets | 13.5864% | 1,188 |
| Core capital (leverage) ratio | 13.4109% | 1,012 |
| Tier 1 risk-based capital ratio | 21.7088% | 1,166 |
| Total risk-based capital ratio | 22.4317% | 1,227 |
| Memoranda: | ||
| Average total assets | $205,730,330 | 2,923 |
| Average earning assets | $194,011,330 | 2,880 |
| Average equity | $27,646,670 | 2,558 |
| Average total loans | $141,388,330 | 2,762 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9766% | 3,305 |
| Cost of funding earning assets | 0.6099% | 1,276 |
| Net interest margin | 3.3667% | 3,987 |
| Noninterest income to average assets | 0.3964% | 3,855 |
| Noninterest expense to average assets | 2.6368% | 3,629 |
| Loan and lease loss provision to assets | 0.0855% | 2,254 |
| Net operating income to assets | 0.4586% | 4,789 |
| Return on assets (ROA) | 0.4586% | 4,875 |
| Pretax return on assets | 0.8491% | 4,035 |
| Return on Equity (ROE) | 3.4314% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.4314% | 3,790 |
| Net charge-offs to loans | 0.1215% | 1,379 |
| Credit loss provision to net charge-offs | 102.3256% | 1,591 |
| Earnings coverage of net charge-offs (x) | 11.1860% | 1,876 |
| Efficiency ratio | 73.8303% | 2,506 |
| Assets per employee ($millions) | 4.8320% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7089% | 5,578 |
| Loan loss allowance to noncurrent loans | 184.0074% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 3,791 |
| Noncurrent loans to loans | 0.3852% | 4,059 |
| Net loans and leases to total assets | 67.4825% | 2,732 |
| Net loans and leases to deposits | 78.6174% | 2,934 |
| Net loans and leases to core deposits | 83.5071% | 2,977 |
| Total domestic deposits to total assets | 85.8365% | 2,746 |
| Equity capital to assets | 13.3048% | 1,265 |
| Core capital (leverage) ratio | 13.4103% | 1,015 |
| Tier 1 risk-based capital ratio | 21.2616% | 1,270 |
| Total risk-based capital ratio | 21.9344% | 1,340 |
| Memoranda: | ||
| Average total assets | $205,853,000 | 2,930 |
| Average earning assets | $194,137,500 | 2,887 |
| Average equity | $27,511,000 | 2,563 |
| Average total loans | $141,593,500 | 2,751 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 3,170 |
| Cost of funding earning assets | 0.6403% | 1,124 |
| Net interest margin | 3.3946% | 3,937 |
| Noninterest income to average assets | 0.4977% | 3,344 |
| Noninterest expense to average assets | 2.7107% | 3,543 |
| Loan and lease loss provision to assets | 0.0550% | 3,212 |
| Net operating income to assets | 0.6000% | 4,267 |
| Return on assets (ROA) | 0.6000% | 4,370 |
| Pretax return on assets | 0.9390% | 3,698 |
| Return on Equity (ROE) | 4.6056% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.6056% | 2,707 |
| Net charge-offs to loans | 0.0824% | 2,656 |
| Credit loss provision to net charge-offs | 98.2609% | 2,591 |
| Earnings coverage of net charge-offs (x) | 17.7478% | 2,053 |
| Efficiency ratio | 73.1694% | 2,719 |
| Assets per employee ($millions) | 4.7426% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7043% | 5,629 |
| Loan loss allowance to noncurrent loans | 183.1502% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 3,768 |
| Noncurrent loans to loans | 0.3846% | 4,074 |
| Net loans and leases to total assets | 69.1284% | 2,513 |
| Net loans and leases to deposits | 80.4693% | 2,771 |
| Net loans and leases to core deposits | 85.1252% | 2,869 |
| Total domestic deposits to total assets | 85.9066% | 2,677 |
| Equity capital to assets | 13.4251% | 1,151 |
| Core capital (leverage) ratio | 13.4901% | 972 |
| Tier 1 risk-based capital ratio | 21.3369% | 1,242 |
| Total risk-based capital ratio | 22.0496% | 1,307 |
| Memoranda: | ||
| Average total assets | $205,331,600 | 2,897 |
| Average earning assets | $193,984,200 | 2,845 |
| Average equity | $26,749,800 | 2,575 |
| Average total loans | $139,564,000 | 2,726 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0444% | 3,148 |
| Cost of funding earning assets | 0.6583% | 1,048 |
| Net interest margin | 3.3861% | 4,014 |
| Noninterest income to average assets | 0.4239% | 3,909 |
| Noninterest expense to average assets | 2.6655% | 3,676 |
| Loan and lease loss provision to assets | 0.0136% | 3,998 |
| Net operating income to assets | 0.5847% | 4,456 |
| Return on assets (ROA) | 0.5847% | 4,552 |
| Pretax return on assets | 0.9458% | 3,832 |
| Return on Equity (ROE) | 4.5224% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.5224% | 3,250 |
| Net charge-offs to loans | 0.0173% | 3,607 |
| Credit loss provision to net charge-offs | 116.6667% | 2,036 |
| Earnings coverage of net charge-offs (x) | 82.2200% | 729 |
| Efficiency ratio | 73.5336% | 2,630 |
| Assets per employee ($millions) | 4.5650% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7143% | 5,699 |
| Loan loss allowance to noncurrent loans | 296.4602% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 4,316 |
| Noncurrent loans to loans | 0.2409% | 4,711 |
| Net loans and leases to total assets | 69.5508% | 2,456 |
| Net loans and leases to deposits | 81.2147% | 2,740 |
| Net loans and leases to core deposits | 85.5370% | 2,897 |
| Total domestic deposits to total assets | 85.6382% | 2,721 |
| Equity capital to assets | 13.4731% | 1,236 |
| Core capital (leverage) ratio | 13.2523% | 1,111 |
| Tier 1 risk-based capital ratio | 21.1647% | 1,317 |
| Total risk-based capital ratio | 21.8887% | 1,381 |
| Memoranda: | ||
| Average total assets | $205,681,500 | 2,917 |
| Average earning assets | $194,435,500 | 2,859 |
| Average equity | $26,592,750 | 2,598 |
| Average total loans | $138,961,250 | 2,753 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9896% | 3,337 |
| Cost of funding earning assets | 0.6787% | 940 |
| Net interest margin | 3.3109% | 4,264 |
| Noninterest income to average assets | 0.4158% | 3,961 |
| Noninterest expense to average assets | 2.6301% | 3,816 |
| Loan and lease loss provision to assets | 0.0058% | 3,985 |
| Net operating income to assets | 0.5943% | 4,374 |
| Return on assets (ROA) | 0.5943% | 4,465 |
| Pretax return on assets | 0.9098% | 3,918 |
| Return on Equity (ROE) | 4.6603% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.6603% | 3,073 |
| Net charge-offs to loans | 0.0043% | 3,750 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 316.3333% | 218 |
| Efficiency ratio | 74.1769% | 2,656 |
| Assets per employee ($millions) | 4.6599% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7244% | 5,757 |
| Loan loss allowance to noncurrent loans | 219.9125% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 4,256 |
| Noncurrent loans to loans | 0.3294% | 4,512 |
| Net loans and leases to total assets | 67.1697% | 2,773 |
| Net loans and leases to deposits | 77.9129% | 3,042 |
| Net loans and leases to core deposits | 81.6890% | 3,217 |
| Total domestic deposits to total assets | 86.2112% | 2,573 |
| Equity capital to assets | 13.0426% | 1,383 |
| Core capital (leverage) ratio | 12.8376% | 1,240 |
| Tier 1 risk-based capital ratio | 21.4742% | 1,287 |
| Total risk-based capital ratio | 22.2181% | 1,340 |
| Memoranda: | ||
| Average total assets | $207,289,000 | 2,919 |
| Average earning assets | $195,957,330 | 2,862 |
| Average equity | $26,436,330 | 2,622 |
| Average total loans | $138,380,330 | 2,767 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9678% | 3,350 |
| Cost of funding earning assets | 0.7026% | 843 |
| Net interest margin | 3.2652% | 4,366 |
| Noninterest income to average assets | 0.3877% | 4,106 |
| Noninterest expense to average assets | 2.5871% | 3,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5854% | 4,340 |
| Return on assets (ROA) | 0.5854% | 4,442 |
| Pretax return on assets | 0.8867% | 3,938 |
| Return on Equity (ROE) | 4.6417% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.6417% | 3,242 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4751% | 2,736 |
| Assets per employee ($millions) | 4.7491% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7216% | 5,864 |
| Loan loss allowance to noncurrent loans | 394.4882% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 4,748 |
| Noncurrent loans to loans | 0.1829% | 5,124 |
| Net loans and leases to total assets | 65.9734% | 2,778 |
| Net loans and leases to deposits | 76.2856% | 3,023 |
| Net loans and leases to core deposits | 79.9066% | 3,177 |
| Total domestic deposits to total assets | 86.4821% | 2,677 |
| Equity capital to assets | 12.6675% | 1,586 |
| Core capital (leverage) ratio | 12.6129% | 1,313 |
| Tier 1 risk-based capital ratio | 21.0039% | 1,426 |
| Total risk-based capital ratio | 21.8050% | 1,483 |
| Memoranda: | ||
| Average total assets | $208,415,500 | 2,927 |
| Average earning assets | $196,986,500 | 2,874 |
| Average equity | $26,283,500 | 2,650 |
| Average total loans | $138,207,000 | 2,776 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0559% | 3,501 |
| Cost of funding earning assets | 0.8088% | 623 |
| Net interest margin | 3.2471% | 4,762 |
| Noninterest income to average assets | 0.4195% | 4,039 |
| Noninterest expense to average assets | 2.7320% | 3,742 |
| Loan and lease loss provision to assets | 0.0950% | 2,564 |
| Net operating income to assets | 0.4411% | 5,057 |
| Return on assets (ROA) | 0.4411% | 5,149 |
| Pretax return on assets | 0.6465% | 4,793 |
| Return on Equity (ROE) | 3.6128% | 5,262 |
| Retained earnings to average equity (ytd only) | 3.6128% | 3,646 |
| Net charge-offs to loans | 0.1594% | 2,439 |
| Credit loss provision to net charge-offs | 91.2442% | 2,623 |
| Earnings coverage of net charge-offs (x) | 7.1198% | 3,083 |
| Efficiency ratio | 78.6514% | 2,112 |
| Assets per employee ($millions) | 4.7243% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7284% | 5,932 |
| Loan loss allowance to noncurrent loans | 472.6415% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 4,765 |
| Noncurrent loans to loans | 0.1541% | 5,281 |
| Net loans and leases to total assets | 65.6907% | 2,948 |
| Net loans and leases to deposits | 76.0744% | 3,188 |
| Net loans and leases to core deposits | 79.5039% | 3,345 |
| Total domestic deposits to total assets | 86.3507% | 2,642 |
| Equity capital to assets | 12.5544% | 1,617 |
| Core capital (leverage) ratio | 12.4885% | 1,356 |
| Tier 1 risk-based capital ratio | 20.8234% | 1,439 |
| Total risk-based capital ratio | 21.6211% | 1,495 |
| Memoranda: | ||
| Average total assets | $208,344,200 | 2,892 |
| Average earning assets | $195,959,400 | 2,846 |
| Average equity | $25,437,400 | 2,621 |
| Average total loans | $136,151,200 | 2,761 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0525% | 3,546 |
| Cost of funding earning assets | 0.8187% | 627 |
| Net interest margin | 3.2339% | 4,840 |
| Noninterest income to average assets | 0.4183% | 4,114 |
| Noninterest expense to average assets | 2.6952% | 3,841 |
| Loan and lease loss provision to assets | 0.0889% | 2,577 |
| Net operating income to assets | 0.4701% | 4,990 |
| Return on assets (ROA) | 0.4701% | 5,072 |
| Pretax return on assets | 0.6735% | 4,791 |
| Return on Equity (ROE) | 3.8777% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.8777% | 3,891 |
| Net charge-offs to loans | 0.1561% | 2,246 |
| Credit loss provision to net charge-offs | 87.4214% | 2,475 |
| Earnings coverage of net charge-offs (x) | 7.4970% | 2,922 |
| Efficiency ratio | 77.9504% | 2,185 |
| Assets per employee ($millions) | 4.7717% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7367% | 6,021 |
| Loan loss allowance to noncurrent loans | 188.5122% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 4,264 |
| Noncurrent loans to loans | 0.3908% | 4,741 |
| Net loans and leases to total assets | 64.2396% | 3,145 |
| Net loans and leases to deposits | 74.1553% | 3,416 |
| Net loans and leases to core deposits | 77.7491% | 3,560 |
| Total domestic deposits to total assets | 86.6284% | 2,509 |
| Equity capital to assets | 12.3142% | 1,818 |
| Core capital (leverage) ratio | 12.3860% | 1,466 |
| Tier 1 risk-based capital ratio | 20.8038% | 1,491 |
| Total risk-based capital ratio | 21.6057% | 1,553 |
| Memoranda: | ||
| Average total assets | $208,462,500 | 2,917 |
| Average earning assets | $195,922,000 | 2,874 |
| Average equity | $25,272,500 | 2,646 |
| Average total loans | $135,800,500 | 2,781 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0688% | 3,472 |
| Cost of funding earning assets | 0.8246% | 629 |
| Net interest margin | 3.2442% | 4,801 |
| Noninterest income to average assets | 0.4145% | 4,138 |
| Noninterest expense to average assets | 2.6812% | 3,935 |
| Loan and lease loss provision to assets | 0.0260% | 3,756 |
| Net operating income to assets | 0.5289% | 4,697 |
| Return on assets (ROA) | 0.5289% | 4,786 |
| Pretax return on assets | 0.7530% | 4,443 |
| Return on Equity (ROE) | 4.3862% | 4,980 |
| Retained earnings to average equity (ytd only) | 4.3862% | 3,386 |
| Net charge-offs to loans | -0.0339% | 5,729 |
| Credit loss provision to net charge-offs | -117.3913% | 5,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4875% | 2,376 |
| Assets per employee ($millions) | 4.7517% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7914% | 5,997 |
| Loan loss allowance to noncurrent loans | 374.4755% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 4,484 |
| Noncurrent loans to loans | 0.2113% | 5,384 |
| Net loans and leases to total assets | 64.2186% | 3,041 |
| Net loans and leases to deposits | 73.9284% | 3,323 |
| Net loans and leases to core deposits | 76.9824% | 3,541 |
| Total domestic deposits to total assets | 86.8660% | 2,536 |
| Equity capital to assets | 12.2612% | 1,802 |
| Core capital (leverage) ratio | 12.3200% | 1,488 |
| Tier 1 risk-based capital ratio | 20.6785% | 1,515 |
| Total risk-based capital ratio | 21.5375% | 1,586 |
| Memoranda: | ||
| Average total assets | $207,965,670 | 2,940 |
| Average earning assets | $195,243,670 | 2,892 |
| Average equity | $25,078,670 | 2,652 |
| Average total loans | $135,776,000 | 2,779 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1250% | 3,183 |
| Cost of funding earning assets | 0.8357% | 627 |
| Net interest margin | 3.2893% | 4,589 |
| Noninterest income to average assets | 0.3915% | 4,263 |
| Noninterest expense to average assets | 2.7559% | 3,723 |
| Loan and lease loss provision to assets | 0.0463% | 3,170 |
| Net operating income to assets | 0.5149% | 4,612 |
| Return on assets (ROA) | 0.5149% | 4,688 |
| Pretax return on assets | 0.6711% | 4,592 |
| Return on Equity (ROE) | 4.3064% | 4,879 |
| Retained earnings to average equity (ytd only) | 4.3064% | 3,543 |
| Net charge-offs to loans | 0.0647% | 2,507 |
| Credit loss provision to net charge-offs | 109.0909% | 1,547 |
| Earnings coverage of net charge-offs (x) | 16.9091% | 1,486 |
| Efficiency ratio | 79.3448% | 2,293 |
| Assets per employee ($millions) | 4.7677% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7538% | 6,188 |
| Loan loss allowance to noncurrent loans | 393.4615% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.6678% | 4,115 |
| Noncurrent loans to loans | 0.1916% | 5,516 |
| Net loans and leases to total assets | 64.2017% | 2,858 |
| Net loans and leases to deposits | 73.7005% | 3,106 |
| Net loans and leases to core deposits | 76.5742% | 3,352 |
| Total domestic deposits to total assets | 87.1116% | 2,739 |
| Equity capital to assets | 11.9936% | 1,871 |
| Core capital (leverage) ratio | 12.2568% | 1,504 |
| Tier 1 risk-based capital ratio | 20.3199% | 1,640 |
| Total risk-based capital ratio | 21.1350% | 1,712 |
| Memoranda: | ||
| Average total assets | $207,411,000 | 2,964 |
| Average earning assets | $194,328,500 | 2,917 |
| Average equity | $24,800,500 | 2,663 |
| Average total loans | $135,996,000 | 2,797 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1240% | 3,648 |
| Cost of funding earning assets | 0.8990% | 739 |
| Net interest margin | 3.2250% | 4,911 |
| Noninterest income to average assets | 0.4396% | 4,165 |
| Noninterest expense to average assets | 2.6914% | 4,127 |
| Loan and lease loss provision to assets | 0.4195% | 706 |
| Net operating income to assets | 0.2566% | 5,669 |
| Return on assets (ROA) | 0.2566% | 5,744 |
| Pretax return on assets | 0.3435% | 5,619 |
| Return on Equity (ROE) | 2.1825% | 5,773 |
| Retained earnings to average equity (ytd only) | 2.1825% | 4,695 |
| Net charge-offs to loans | 0.4919% | 1,350 |
| Credit loss provision to net charge-offs | 132.2289% | 1,780 |
| Earnings coverage of net charge-offs (x) | 2.4051% | 4,204 |
| Efficiency ratio | 77.9115% | 2,486 |
| Assets per employee ($millions) | 4.4575% | 2,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7491% | 6,269 |
| Loan loss allowance to noncurrent loans | 282.0442% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.8671% | 3,720 |
| Noncurrent loans to loans | 0.2656% | 5,389 |
| Net loans and leases to total assets | 65.9697% | 2,697 |
| Net loans and leases to deposits | 75.4219% | 3,040 |
| Net loans and leases to core deposits | 78.2275% | 3,331 |
| Total domestic deposits to total assets | 87.4676% | 2,488 |
| Equity capital to assets | 11.9199% | 1,854 |
| Core capital (leverage) ratio | 12.1530% | 1,519 |
| Tier 1 risk-based capital ratio | 19.9251% | 1,672 |
| Total risk-based capital ratio | 20.7314% | 1,754 |
| Memoranda: | ||
| Average total assets | $209,295,200 | 2,922 |
| Average earning assets | $195,658,000 | 2,881 |
| Average equity | $24,604,400 | 2,671 |
| Average total loans | $134,988,800 | 2,776 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0897% | 3,807 |
| Cost of funding earning assets | 0.9097% | 781 |
| Net interest margin | 3.1800% | 5,057 |
| Noninterest income to average assets | 0.4424% | 4,207 |
| Noninterest expense to average assets | 2.6500% | 4,200 |
| Loan and lease loss provision to assets | 0.5071% | 534 |
| Net operating income to assets | 0.1534% | 6,030 |
| Return on assets (ROA) | 0.1534% | 6,097 |
| Pretax return on assets | 0.2586% | 5,955 |
| Return on Equity (ROE) | 1.3092% | 6,120 |
| Retained earnings to average equity (ytd only) | 1.3092% | 5,461 |
| Net charge-offs to loans | 0.6020% | 1,038 |
| Credit loss provision to net charge-offs | 131.5789% | 1,795 |
| Earnings coverage of net charge-offs (x) | 1.9868% | 4,162 |
| Efficiency ratio | 77.5840% | 2,472 |
| Assets per employee ($millions) | 4.5453% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7403% | 6,387 |
| Loan loss allowance to noncurrent loans | 264.9867% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.9078% | 3,864 |
| Noncurrent loans to loans | 0.2794% | 5,530 |
| Net loans and leases to total assets | 64.0663% | 2,994 |
| Net loans and leases to deposits | 73.3757% | 3,338 |
| Net loans and leases to core deposits | 75.4101% | 3,682 |
| Total domestic deposits to total assets | 87.3126% | 2,499 |
| Equity capital to assets | 11.6624% | 2,159 |
| Core capital (leverage) ratio | 11.9260% | 1,717 |
| Tier 1 risk-based capital ratio | 19.6518% | 1,827 |
| Total risk-based capital ratio | 20.4391% | 1,895 |
| Memoranda: | ||
| Average total assets | $210,358,000 | 2,938 |
| Average earning assets | $196,685,250 | 2,890 |
| Average equity | $24,645,250 | 2,691 |
| Average total loans | $134,664,000 | 2,789 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0658% | 3,857 |
| Cost of funding earning assets | 0.9187% | 819 |
| Net interest margin | 3.1471% | 5,129 |
| Noninterest income to average assets | 0.4393% | 4,255 |
| Noninterest expense to average assets | 2.6046% | 4,365 |
| Loan and lease loss provision to assets | 0.5769% | 445 |
| Net operating income to assets | 0.1034% | 6,128 |
| Return on assets (ROA) | 0.1034% | 6,216 |
| Pretax return on assets | 0.1993% | 6,083 |
| Return on Equity (ROE) | 0.8814% | 6,236 |
| Retained earnings to average equity (ytd only) | 0.8814% | 5,547 |
| Net charge-offs to loans | 0.7639% | 833 |
| Credit loss provision to net charge-offs | 118.2879% | 1,877 |
| Earnings coverage of net charge-offs (x) | 1.5914% | 3,993 |
| Efficiency ratio | 77.0418% | 2,618 |
| Assets per employee ($millions) | 4.5715% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6733% | 6,530 |
| Loan loss allowance to noncurrent loans | 73.3713% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.3415% | 3,089 |
| Noncurrent loans to loans | 0.9177% | 4,093 |
| Net loans and leases to total assets | 63.2047% | 3,061 |
| Net loans and leases to deposits | 72.5158% | 3,379 |
| Net loans and leases to core deposits | 74.3980% | 3,745 |
| Total domestic deposits to total assets | 87.1600% | 2,730 |
| Equity capital to assets | 11.7439% | 2,092 |
| Core capital (leverage) ratio | 11.7504% | 1,766 |
| Tier 1 risk-based capital ratio | 19.6565% | 1,809 |
| Total risk-based capital ratio | 20.3706% | 1,928 |
| Memoranda: | ||
| Average total assets | $210,783,330 | 2,949 |
| Average earning assets | $197,009,330 | 2,902 |
| Average equity | $24,732,330 | 2,691 |
| Average total loans | $134,568,670 | 2,791 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0952% | 3,742 |
| Cost of funding earning assets | 0.9315% | 840 |
| Net interest margin | 3.1637% | 5,048 |
| Noninterest income to average assets | 0.4360% | 4,212 |
| Noninterest expense to average assets | 2.5342% | 4,634 |
| Loan and lease loss provision to assets | 0.7961% | 273 |
| Net operating income to assets | 0.1005% | 6,147 |
| Return on assets (ROA) | 0.1005% | 6,241 |
| Pretax return on assets | 0.0607% | 6,322 |
| Return on Equity (ROE) | 0.8565% | 6,249 |
| Retained earnings to average equity (ytd only) | 0.8565% | 5,501 |
| Net charge-offs to loans | 1.3546% | 411 |
| Credit loss provision to net charge-offs | 91.9037% | 1,990 |
| Earnings coverage of net charge-offs (x) | 0.9891% | 3,508 |
| Efficiency ratio | 74.7345% | 3,135 |
| Assets per employee ($millions) | 4.6080% | 2,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5808% | 6,729 |
| Loan loss allowance to noncurrent loans | 54.0730% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 1.3851% | 3,191 |
| Noncurrent loans to loans | 1.0740% | 4,002 |
| Net loans and leases to total assets | 62.1869% | 3,027 |
| Net loans and leases to deposits | 71.3204% | 3,278 |
| Net loans and leases to core deposits | 73.0293% | 3,701 |
| Total domestic deposits to total assets | 87.1937% | 2,838 |
| Equity capital to assets | 11.6816% | 2,270 |
| Core capital (leverage) ratio | 11.7546% | 1,707 |
| Tier 1 risk-based capital ratio | 19.5264% | 1,898 |
| Total risk-based capital ratio | 20.1340% | 2,048 |
| Memoranda: | ||
| Average total assets | $211,031,000 | 2,969 |
| Average earning assets | $197,108,500 | 2,932 |
| Average equity | $24,750,500 | 2,728 |
| Average total loans | $134,946,500 | 2,804 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 3,599 |
| Cost of funding earning assets | 1.0304% | 1,205 |
| Net interest margin | 3.4234% | 4,802 |
| Noninterest income to average assets | 0.4808% | 4,036 |
| Noninterest expense to average assets | 2.7082% | 4,373 |
| Loan and lease loss provision to assets | 0.2208% | 2,927 |
| Net operating income to assets | 0.4733% | 4,790 |
| Return on assets (ROA) | 0.4733% | 5,043 |
| Pretax return on assets | 0.7593% | 4,450 |
| Return on Equity (ROE) | 4.1176% | 5,095 |
| Retained earnings to average equity (ytd only) | 4.1176% | 3,325 |
| Net charge-offs to loans | 0.2526% | 3,424 |
| Credit loss provision to net charge-offs | 129.7222% | 2,166 |
| Earnings coverage of net charge-offs (x) | 5.7583% | 2,958 |
| Efficiency ratio | 73.4265% | 3,167 |
| Assets per employee ($millions) | 4.5673% | 2,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5877% | 6,773 |
| Loan loss allowance to noncurrent loans | 30.8251% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 1.7592% | 2,763 |
| Noncurrent loans to loans | 1.9067% | 2,797 |
| Net loans and leases to total assets | 64.9708% | 2,727 |
| Net loans and leases to deposits | 74.2345% | 3,055 |
| Net loans and leases to core deposits | 76.3702% | 3,484 |
| Total domestic deposits to total assets | 87.5209% | 2,515 |
| Equity capital to assets | 11.7756% | 2,201 |
| Core capital (leverage) ratio | 11.7300% | 1,719 |
| Tier 1 risk-based capital ratio | 18.5012% | 2,102 |
| Total risk-based capital ratio | 19.1058% | 2,285 |
| Memoranda: | ||
| Average total assets | $211,507,000 | 2,908 |
| Average earning assets | $198,168,400 | 2,865 |
| Average equity | $24,310,200 | 2,730 |
| Average total loans | $142,505,400 | 2,685 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 3,674 |
| Cost of funding earning assets | 1.0508% | 1,276 |
| Net interest margin | 3.4403% | 4,876 |
| Noninterest income to average assets | 0.4764% | 4,092 |
| Noninterest expense to average assets | 2.6564% | 4,531 |
| Loan and lease loss provision to assets | 0.1825% | 3,312 |
| Net operating income to assets | 0.5771% | 4,487 |
| Return on assets (ROA) | 0.5771% | 4,761 |
| Pretax return on assets | 0.8622% | 4,252 |
| Return on Equity (ROE) | 5.0517% | 4,800 |
| Retained earnings to average equity (ytd only) | 5.0517% | 3,333 |
| Net charge-offs to loans | 0.2086% | 3,479 |
| Credit loss provision to net charge-offs | 128.8889% | 2,233 |
| Earnings coverage of net charge-offs (x) | 7.3778% | 2,611 |
| Efficiency ratio | 71.7735% | 3,369 |
| Assets per employee ($millions) | 4.3905% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5425% | 6,929 |
| Loan loss allowance to noncurrent loans | 25.9234% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 1.7993% | 2,912 |
| Noncurrent loans to loans | 2.0926% | 2,748 |
| Net loans and leases to total assets | 66.5522% | 2,552 |
| Net loans and leases to deposits | 76.6422% | 2,889 |
| Net loans and leases to core deposits | 78.8083% | 3,351 |
| Total domestic deposits to total assets | 86.8349% | 2,778 |
| Equity capital to assets | 11.7094% | 2,524 |
| Core capital (leverage) ratio | 11.6722% | 1,855 |
| Tier 1 risk-based capital ratio | 18.6666% | 2,111 |
| Total risk-based capital ratio | 19.2468% | 2,324 |
| Memoranda: | ||
| Average total assets | $211,859,750 | 2,937 |
| Average earning assets | $198,581,750 | 2,879 |
| Average equity | $24,202,750 | 2,762 |
| Average total loans | $143,804,750 | 2,699 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 3,622 |
| Cost of funding earning assets | 1.0605% | 1,412 |
| Net interest margin | 3.4759% | 4,778 |
| Noninterest income to average assets | 0.4589% | 4,219 |
| Noninterest expense to average assets | 2.5896% | 4,812 |
| Loan and lease loss provision to assets | 0.2705% | 2,420 |
| Net operating income to assets | 0.5805% | 4,451 |
| Return on assets (ROA) | 0.5805% | 4,723 |
| Pretax return on assets | 0.8576% | 4,247 |
| Return on Equity (ROE) | 5.1238% | 4,750 |
| Retained earnings to average equity (ytd only) | 5.1238% | 3,208 |
| Net charge-offs to loans | 0.2446% | 3,103 |
| Credit loss provision to net charge-offs | 162.1469% | 1,722 |
| Earnings coverage of net charge-offs (x) | 6.7627% | 2,581 |
| Efficiency ratio | 69.6578% | 3,823 |
| Assets per employee ($millions) | 4.4104% | 3,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5649% | 6,966 |
| Loan loss allowance to noncurrent loans | 36.1446% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 1.4128% | 3,602 |
| Noncurrent loans to loans | 1.5629% | 3,565 |
| Net loans and leases to total assets | 67.3505% | 2,397 |
| Net loans and leases to deposits | 77.2052% | 2,802 |
| Net loans and leases to core deposits | 79.2271% | 3,334 |
| Total domestic deposits to total assets | 87.2357% | 2,629 |
| Equity capital to assets | 11.5064% | 2,592 |
| Core capital (leverage) ratio | 11.4652% | 1,926 |
| Tier 1 risk-based capital ratio | 18.1803% | 2,238 |
| Total risk-based capital ratio | 18.7860% | 2,427 |
| Memoranda: | ||
| Average total assets | $212,231,000 | 2,949 |
| Average earning assets | $198,969,330 | 2,886 |
| Average equity | $24,044,670 | 2,763 |
| Average total loans | $144,732,670 | 2,691 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6152% | 3,439 |
| Cost of funding earning assets | 1.0810% | 1,494 |
| Net interest margin | 3.5342% | 4,551 |
| Noninterest income to average assets | 0.4668% | 4,171 |
| Noninterest expense to average assets | 2.6259% | 4,725 |
| Loan and lease loss provision to assets | 0.3031% | 2,074 |
| Net operating income to assets | 0.5798% | 4,443 |
| Return on assets (ROA) | 0.5798% | 4,665 |
| Pretax return on assets | 0.8490% | 4,234 |
| Return on Equity (ROE) | 5.1575% | 4,711 |
| Retained earnings to average equity (ytd only) | 5.1575% | 3,467 |
| Net charge-offs to loans | 0.0165% | 4,455 |
| Credit loss provision to net charge-offs | 2,683.3333% | 113 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 340 |
| Efficiency ratio | 69.5067% | 3,901 |
| Assets per employee ($millions) | 4.4690% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5922% | 6,990 |
| Loan loss allowance to noncurrent loans | 52.1978% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 1.1449% | 4,217 |
| Noncurrent loans to loans | 1.1346% | 4,441 |
| Net loans and leases to total assets | 66.9008% | 2,311 |
| Net loans and leases to deposits | 76.3572% | 2,741 |
| Net loans and leases to core deposits | 79.3251% | 3,133 |
| Total domestic deposits to total assets | 87.6157% | 2,580 |
| Equity capital to assets | 11.2091% | 2,708 |
| Core capital (leverage) ratio | 11.3723% | 1,989 |
| Tier 1 risk-based capital ratio | 17.9174% | 2,327 |
| Total risk-based capital ratio | 18.5556% | 2,524 |
| Memoranda: | ||
| Average total assets | $212,496,500 | 2,965 |
| Average earning assets | $199,082,500 | 2,904 |
| Average equity | $23,887,500 | 2,774 |
| Average total loans | $145,403,500 | 2,695 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9254% | 3,230 |
| Cost of funding earning assets | 1.2092% | 1,971 |
| Net interest margin | 3.7163% | 4,224 |
| Noninterest income to average assets | 0.4436% | 4,277 |
| Noninterest expense to average assets | 2.6765% | 4,833 |
| Loan and lease loss provision to assets | 0.2678% | 3,535 |
| Net operating income to assets | 0.6276% | 3,843 |
| Return on assets (ROA) | 0.6276% | 4,043 |
| Pretax return on assets | 0.9662% | 3,365 |
| Return on Equity (ROE) | 5.6539% | 4,053 |
| Retained earnings to average equity (ytd only) | 5.6539% | 2,205 |
| Net charge-offs to loans | 0.3878% | 3,474 |
| Credit loss provision to net charge-offs | 96.5278% | 3,734 |
| Earnings coverage of net charge-offs (x) | 4.4479% | 3,110 |
| Efficiency ratio | 68.4444% | 4,264 |
| Assets per employee ($millions) | 4.2955% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4780% | 7,118 |
| Loan loss allowance to noncurrent loans | 38.8889% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 1.3398% | 3,992 |
| Noncurrent loans to loans | 1.2292% | 4,315 |
| Net loans and leases to total assets | 69.2422% | 2,168 |
| Net loans and leases to deposits | 78.8318% | 2,706 |
| Net loans and leases to core deposits | 81.9456% | 3,186 |
| Total domestic deposits to total assets | 87.8354% | 2,259 |
| Equity capital to assets | 11.2742% | 2,717 |
| Core capital (leverage) ratio | 11.3668% | 1,990 |
| Tier 1 risk-based capital ratio | 17.7142% | 2,299 |
| Total risk-based capital ratio | 18.2375% | 2,568 |
| Memoranda: | ||
| Average total assets | $207,621,800 | 2,972 |
| Average earning assets | $193,688,400 | 2,927 |
| Average equity | $23,046,000 | 2,779 |
| Average total loans | $148,529,000 | 2,662 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9616% | 3,282 |
| Cost of funding earning assets | 1.2442% | 2,032 |
| Net interest margin | 3.7174% | 4,260 |
| Noninterest income to average assets | 0.4111% | 4,578 |
| Noninterest expense to average assets | 2.7161% | 4,669 |
| Loan and lease loss provision to assets | 0.2062% | 3,958 |
| Net operating income to assets | 0.5999% | 4,086 |
| Return on assets (ROA) | 0.5999% | 4,269 |
| Pretax return on assets | 0.9544% | 3,575 |
| Return on Equity (ROE) | 5.4264% | 4,321 |
| Retained earnings to average equity (ytd only) | 5.4264% | 2,893 |
| Net charge-offs to loans | 0.4446% | 2,947 |
| Credit loss provision to net charge-offs | 64.3863% | 4,656 |
| Earnings coverage of net charge-offs (x) | 3.6237% | 3,363 |
| Efficiency ratio | 70.0632% | 3,950 |
| Assets per employee ($millions) | 4.2687% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5273% | 7,152 |
| Loan loss allowance to noncurrent loans | 44.7941% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 1.2799% | 4,249 |
| Noncurrent loans to loans | 1.1772% | 4,577 |
| Net loans and leases to total assets | 70.6179% | 1,960 |
| Net loans and leases to deposits | 80.6671% | 2,566 |
| Net loans and leases to core deposits | 83.8592% | 3,083 |
| Total domestic deposits to total assets | 87.5424% | 2,332 |
| Equity capital to assets | 11.1720% | 2,985 |
| Core capital (leverage) ratio | 11.0949% | 2,321 |
| Tier 1 risk-based capital ratio | 17.2724% | 2,541 |
| Total risk-based capital ratio | 17.8524% | 2,774 |
| Memoranda: | ||
| Average total assets | $206,907,250 | 2,997 |
| Average earning assets | $192,890,000 | 2,945 |
| Average equity | $22,875,000 | 2,794 |
| Average total loans | $149,051,000 | 2,676 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 3,473 |
| Cost of funding earning assets | 1.2732% | 2,099 |
| Net interest margin | 3.6602% | 4,472 |
| Noninterest income to average assets | 0.4113% | 4,582 |
| Noninterest expense to average assets | 2.7348% | 4,679 |
| Loan and lease loss provision to assets | 0.1581% | 4,339 |
| Net operating income to assets | 0.5898% | 4,109 |
| Return on assets (ROA) | 0.5898% | 4,241 |
| Pretax return on assets | 0.9294% | 3,512 |
| Return on Equity (ROE) | 5.3543% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.3543% | 2,772 |
| Net charge-offs to loans | 0.5897% | 2,347 |
| Credit loss provision to net charge-offs | 37.0455% | 4,868 |
| Earnings coverage of net charge-offs (x) | 2.5477% | 3,553 |
| Efficiency ratio | 71.5482% | 3,823 |
| Assets per employee ($millions) | 4.3628% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4580% | 7,252 |
| Loan loss allowance to noncurrent loans | 40.8493% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 1.2315% | 4,432 |
| Noncurrent loans to loans | 1.1213% | 4,794 |
| Net loans and leases to total assets | 70.8779% | 2,033 |
| Net loans and leases to deposits | 80.6184% | 2,684 |
| Net loans and leases to core deposits | 84.1072% | 3,197 |
| Total domestic deposits to total assets | 87.9178% | 2,187 |
| Equity capital to assets | 11.0040% | 2,945 |
| Core capital (leverage) ratio | 10.9967% | 2,254 |
| Tier 1 risk-based capital ratio | 17.1981% | 2,439 |
| Total risk-based capital ratio | 17.7089% | 2,727 |
| Memoranda: | ||
| Average total assets | $206,154,670 | 3,018 |
| Average earning assets | $192,121,670 | 2,969 |
| Average equity | $22,710,670 | 2,788 |
| Average total loans | $149,237,670 | 2,696 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9354% | 3,383 |
| Cost of funding earning assets | 1.2916% | 2,233 |
| Net interest margin | 3.6438% | 4,359 |
| Noninterest income to average assets | 0.3970% | 4,725 |
| Noninterest expense to average assets | 2.8984% | 4,063 |
| Loan and lease loss provision to assets | 0.0782% | 5,021 |
| Net operating income to assets | 0.4987% | 4,495 |
| Return on assets (ROA) | 0.4987% | 4,579 |
| Pretax return on assets | 0.8136% | 3,854 |
| Return on Equity (ROE) | 4.5245% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.5245% | 3,456 |
| Net charge-offs to loans | 1.1628% | 1,194 |
| Credit loss provision to net charge-offs | 9.2166% | 4,387 |
| Earnings coverage of net charge-offs (x) | 1.0507% | 3,875 |
| Efficiency ratio | 76.4706% | 3,079 |
| Assets per employee ($millions) | 4.4226% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3779% | 7,357 |
| Loan loss allowance to noncurrent loans | 85.8877% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.8443% | 5,216 |
| Noncurrent loans to loans | 0.4400% | 6,129 |
| Net loans and leases to total assets | 71.7827% | 1,768 |
| Net loans and leases to deposits | 81.6899% | 2,416 |
| Net loans and leases to core deposits | 84.5985% | 3,086 |
| Total domestic deposits to total assets | 87.8722% | 2,446 |
| Equity capital to assets | 10.9077% | 2,770 |
| Core capital (leverage) ratio | 11.0532% | 2,150 |
| Tier 1 risk-based capital ratio | 17.0856% | 2,444 |
| Total risk-based capital ratio | 17.5127% | 2,738 |
| Memoranda: | ||
| Average total assets | $204,524,500 | 3,060 |
| Average earning assets | $190,460,500 | 3,003 |
| Average equity | $22,544,000 | 2,798 |
| Average total loans | $149,300,500 | 2,722 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4353% | 2,521 |
| Cost of funding earning assets | 1.5540% | 2,337 |
| Net interest margin | 3.8813% | 3,578 |
| Noninterest income to average assets | 0.3567% | 5,258 |
| Noninterest expense to average assets | 2.9453% | 4,053 |
| Loan and lease loss provision to assets | 0.0128% | 6,966 |
| Net operating income to assets | 0.6331% | 3,518 |
| Return on assets (ROA) | 0.6331% | 3,673 |
| Pretax return on assets | 1.0021% | 2,925 |
| Return on Equity (ROE) | 5.6730% | 3,743 |
| Retained earnings to average equity (ytd only) | 5.6730% | 2,003 |
| Net charge-offs to loans | 0.0128% | 6,703 |
| Credit loss provision to net charge-offs | 131.5789% | 3,000 |
| Earnings coverage of net charge-offs (x) | 104.3684% | 240 |
| Efficiency ratio | 74.3732% | 3,323 |
| Assets per employee ($millions) | 4.1914% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6450% | 7,205 |
| Loan loss allowance to noncurrent loans | 215.2466% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 5,482 |
| Noncurrent loans to loans | 0.2997% | 6,454 |
| Net loans and leases to total assets | 73.4968% | 1,769 |
| Net loans and leases to deposits | 83.0946% | 2,607 |
| Net loans and leases to core deposits | 86.0642% | 3,310 |
| Total domestic deposits to total assets | 88.4496% | 1,979 |
| Equity capital to assets | 11.1414% | 2,559 |
| Core capital (leverage) ratio | 11.2513% | 1,982 |
| Tier 1 risk-based capital ratio | 17.1628% | 2,289 |
| Total risk-based capital ratio | 17.8987% | 2,450 |
| Memoranda: | ||
| Average total assets | $195,399,000 | 3,155 |
| Average earning assets | $181,406,600 | 3,107 |
| Average equity | $21,805,200 | 2,901 |
| Average total loans | $148,727,400 | 2,797 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4769% | 2,528 |
| Cost of funding earning assets | 1.6376% | 2,170 |
| Net interest margin | 3.8393% | 3,799 |
| Noninterest income to average assets | 0.3554% | 5,323 |
| Noninterest expense to average assets | 2.9051% | 4,068 |
| Loan and lease loss provision to assets | 0.0124% | 6,908 |
| Net operating income to assets | 0.6386% | 3,711 |
| Return on assets (ROA) | 0.6386% | 3,878 |
| Pretax return on assets | 0.9982% | 3,193 |
| Return on Equity (ROE) | 5.7205% | 3,940 |
| Retained earnings to average equity (ytd only) | 5.7205% | 2,528 |
| Net charge-offs to loans | 0.0018% | 6,655 |
| Credit loss provision to net charge-offs | 900.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 734.0637% | 31 |
| Efficiency ratio | 74.1924% | 3,291 |
| Assets per employee ($millions) | 3.9686% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6473% | 7,287 |
| Loan loss allowance to noncurrent loans | 168.9895% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.7761% | 5,555 |
| Noncurrent loans to loans | 0.3830% | 6,427 |
| Net loans and leases to total assets | 75.0346% | 1,582 |
| Net loans and leases to deposits | 85.2141% | 2,485 |
| Net loans and leases to core deposits | 88.3407% | 3,327 |
| Total domestic deposits to total assets | 88.0543% | 1,928 |
| Equity capital to assets | 11.1454% | 2,821 |
| Core capital (leverage) ratio | 11.2544% | 2,099 |
| Tier 1 risk-based capital ratio | 16.8662% | 2,387 |
| Total risk-based capital ratio | 17.6073% | 2,566 |
| Memoranda: | ||
| Average total assets | $193,952,000 | 3,220 |
| Average earning assets | $179,855,500 | 3,160 |
| Average equity | $21,652,750 | 2,963 |
| Average total loans | $148,702,750 | 2,830 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4964% | 2,532 |
| Cost of funding earning assets | 1.7133% | 2,049 |
| Net interest margin | 3.7830% | 3,973 |
| Noninterest income to average assets | 0.3336% | 5,484 |
| Noninterest expense to average assets | 2.8463% | 4,283 |
| Loan and lease loss provision to assets | 0.0187% | 6,740 |
| Net operating income to assets | 0.6433% | 3,654 |
| Return on assets (ROA) | 0.6433% | 3,808 |
| Pretax return on assets | 0.9768% | 3,216 |
| Return on Equity (ROE) | 5.7586% | 3,913 |
| Retained earnings to average equity (ytd only) | 5.7586% | 2,465 |
| Net charge-offs to loans | 0.0040% | 6,318 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 319.3333% | 105 |
| Efficiency ratio | 74.0871% | 3,461 |
| Assets per employee ($millions) | 3.8713% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6546% | 7,329 |
| Loan loss allowance to noncurrent loans | 170.2988% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.8963% | 5,326 |
| Noncurrent loans to loans | 0.3844% | 6,473 |
| Net loans and leases to total assets | 75.9747% | 1,496 |
| Net loans and leases to deposits | 86.3347% | 2,461 |
| Net loans and leases to core deposits | 88.4225% | 3,494 |
| Total domestic deposits to total assets | 88.0003% | 2,002 |
| Equity capital to assets | 11.2687% | 2,617 |
| Core capital (leverage) ratio | 11.2668% | 2,054 |
| Tier 1 risk-based capital ratio | 16.8757% | 2,332 |
| Total risk-based capital ratio | 17.6269% | 2,467 |
| Memoranda: | ||
| Average total assets | $192,459,000 | 3,272 |
| Average earning assets | $178,481,670 | 3,208 |
| Average equity | $21,498,330 | 2,978 |
| Average total loans | $148,316,330 | 2,866 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5508% | 2,358 |
| Cost of funding earning assets | 1.8375% | 1,708 |
| Net interest margin | 3.7133% | 4,174 |
| Noninterest income to average assets | 0.3335% | 5,476 |
| Noninterest expense to average assets | 2.8701% | 4,186 |
| Loan and lease loss provision to assets | 0.0167% | 6,466 |
| Net operating income to assets | 0.6336% | 3,738 |
| Return on assets (ROA) | 0.6336% | 3,860 |
| Pretax return on assets | 0.8879% | 3,512 |
| Return on Equity (ROE) | 5.6978% | 4,011 |
| Retained earnings to average equity (ytd only) | 5.6978% | 2,765 |
| Net charge-offs to loans | 0.0216% | 5,278 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 54.2500% | 534 |
| Efficiency ratio | 76.0353% | 3,208 |
| Assets per employee ($millions) | 3.8596% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6415% | 7,442 |
| Loan loss allowance to noncurrent loans | 103.3586% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.0970% | 4,954 |
| Noncurrent loans to loans | 0.6206% | 6,069 |
| Net loans and leases to total assets | 76.5730% | 1,419 |
| Net loans and leases to deposits | 86.7627% | 2,460 |
| Net loans and leases to core deposits | 89.9938% | 3,362 |
| Total domestic deposits to total assets | 88.2557% | 1,923 |
| Equity capital to assets | 11.1396% | 2,645 |
| Core capital (leverage) ratio | 11.1650% | 2,120 |
| Tier 1 risk-based capital ratio | 16.5840% | 2,417 |
| Total risk-based capital ratio | 17.3226% | 2,577 |
| Memoranda: | ||
| Average total assets | $191,907,000 | 3,341 |
| Average earning assets | $177,847,000 | 3,284 |
| Average equity | $21,341,500 | 3,023 |
| Average total loans | $148,460,500 | 2,923 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6505% | 3,349 |
| Cost of funding earning assets | 2.0876% | 2,525 |
| Net interest margin | 3.5628% | 4,680 |
| Noninterest income to average assets | 0.3590% | 5,524 |
| Noninterest expense to average assets | 3.0012% | 4,136 |
| Loan and lease loss provision to assets | 0.0353% | 7,185 |
| Net operating income to assets | 0.4152% | 4,068 |
| Return on assets (ROA) | 0.4152% | 4,174 |
| Pretax return on assets | 0.6346% | 3,795 |
| Return on Equity (ROE) | 3.7328% | 4,191 |
| Retained earnings to average equity (ytd only) | 3.7328% | 2,590 |
| Net charge-offs to loans | 0.0366% | 6,757 |
| Credit loss provision to net charge-offs | 126.9231% | 4,096 |
| Earnings coverage of net charge-offs (x) | 24.0769% | 916 |
| Efficiency ratio | 81.7519% | 2,637 |
| Assets per employee ($millions) | 3.8167% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6437% | 7,487 |
| Loan loss allowance to noncurrent loans | 176.9944% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.9081% | 5,276 |
| Noncurrent loans to loans | 0.3637% | 6,550 |
| Net loans and leases to total assets | 77.1573% | 1,557 |
| Net loans and leases to deposits | 87.1994% | 2,701 |
| Net loans and leases to core deposits | 105.8944% | 3,353 |
| Total domestic deposits to total assets | 88.4838% | 1,741 |
| Equity capital to assets | 11.1017% | 2,621 |
| Core capital (leverage) ratio | 11.1943% | 2,111 |
| Tier 1 risk-based capital ratio | 16.5365% | 2,305 |
| Total risk-based capital ratio | 17.2841% | 2,438 |
| Memoranda: | ||
| Average total assets | $186,893,600 | 3,324 |
| Average earning assets | $173,738,200 | 3,296 |
| Average equity | $20,788,800 | 3,098 |
| Average total loans | $142,093,600 | 3,047 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6699% | 3,476 |
| Cost of funding earning assets | 2.1402% | 2,709 |
| Net interest margin | 3.5297% | 4,745 |
| Noninterest income to average assets | 0.3672% | 5,569 |
| Noninterest expense to average assets | 2.9907% | 4,080 |
| Loan and lease loss provision to assets | 0.0151% | 7,186 |
| Net operating income to assets | 0.3794% | 4,484 |
| Return on assets (ROA) | 0.3794% | 4,586 |
| Pretax return on assets | 0.6462% | 4,035 |
| Return on Equity (ROE) | 3.4091% | 4,619 |
| Retained earnings to average equity (ytd only) | 3.4091% | 3,393 |
| Net charge-offs to loans | -0.0104% | 7,688 |
| Credit loss provision to net charge-offs | -190.9091% | 7,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8932% | 2,590 |
| Assets per employee ($millions) | 3.8393% | 4,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6737% | 7,434 |
| Loan loss allowance to noncurrent loans | 159.0835% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 1.2141% | 4,645 |
| Noncurrent loans to loans | 0.4235% | 6,486 |
| Net loans and leases to total assets | 76.1748% | 1,962 |
| Net loans and leases to deposits | 86.8098% | 3,166 |
| Net loans and leases to core deposits | 104.4193% | 3,886 |
| Total domestic deposits to total assets | 87.7490% | 1,780 |
| Equity capital to assets | 11.1347% | 2,892 |
| Core capital (leverage) ratio | 11.1577% | 2,298 |
| Tier 1 risk-based capital ratio | 16.5637% | 2,402 |
| Total risk-based capital ratio | 17.3373% | 2,532 |
| Memoranda: | ||
| Average total assets | $185,908,000 | 3,370 |
| Average earning assets | $173,003,500 | 3,335 |
| Average equity | $20,689,500 | 3,140 |
| Average total loans | $140,567,500 | 3,105 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7008% | 3,534 |
| Cost of funding earning assets | 2.1783% | 2,896 |
| Net interest margin | 3.5226% | 4,688 |
| Noninterest income to average assets | 0.3737% | 5,518 |
| Noninterest expense to average assets | 2.9724% | 4,196 |
| Loan and lease loss provision to assets | 0.0216% | 7,015 |
| Net operating income to assets | 0.3694% | 4,627 |
| Return on assets (ROA) | 0.3694% | 4,721 |
| Pretax return on assets | 0.6599% | 4,132 |
| Return on Equity (ROE) | 3.3198% | 4,779 |
| Retained earnings to average equity (ytd only) | 3.3198% | 3,480 |
| Net charge-offs to loans | 0.0187% | 6,257 |
| Credit loss provision to net charge-offs | 153.8462% | 2,983 |
| Earnings coverage of net charge-offs (x) | 48.5385% | 696 |
| Efficiency ratio | 81.3479% | 2,831 |
| Assets per employee ($millions) | 3.7365% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6677% | 7,493 |
| Loan loss allowance to noncurrent loans | 360.0760% | 879 |
| Noncurrent assets plus other real estate owned to assets | 1.0523% | 4,863 |
| Noncurrent loans to loans | 0.1854% | 7,052 |
| Net loans and leases to total assets | 75.4131% | 2,339 |
| Net loans and leases to deposits | 85.7466% | 3,589 |
| Net loans and leases to core deposits | 102.9273% | 4,188 |
| Total domestic deposits to total assets | 87.9487% | 1,799 |
| Equity capital to assets | 11.0926% | 2,840 |
| Core capital (leverage) ratio | 11.1772% | 2,274 |
| Tier 1 risk-based capital ratio | 16.4803% | 2,453 |
| Total risk-based capital ratio | 17.2330% | 2,573 |
| Memoranda: | ||
| Average total assets | $185,169,330 | 3,404 |
| Average earning assets | $172,430,670 | 3,361 |
| Average equity | $20,603,670 | 3,161 |
| Average total loans | $139,331,670 | 3,154 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7917% | 3,344 |
| Cost of funding earning assets | 2.2041% | 3,146 |
| Net interest margin | 3.5875% | 4,371 |
| Noninterest income to average assets | 0.4079% | 5,152 |
| Noninterest expense to average assets | 2.9185% | 4,091 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5099% | 4,374 |
| Return on assets (ROA) | 0.5099% | 4,560 |
| Pretax return on assets | 0.8376% | 3,939 |
| Return on Equity (ROE) | 4.5757% | 4,674 |
| Retained earnings to average equity (ytd only) | 4.5757% | 3,386 |
| Net charge-offs to loans | -0.0203% | 7,443 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7008% | 3,220 |
| Assets per employee ($millions) | 3.6816% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6827% | 7,495 |
| Loan loss allowance to noncurrent loans | 48.3657% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 1.1196% | 4,444 |
| Noncurrent loans to loans | 1.4115% | 4,189 |
| Net loans and leases to total assets | 74.8414% | 2,544 |
| Net loans and leases to deposits | 85.0257% | 3,817 |
| Net loans and leases to core deposits | 100.4279% | 4,500 |
| Total domestic deposits to total assets | 88.0221% | 1,740 |
| Equity capital to assets | 11.2348% | 2,781 |
| Core capital (leverage) ratio | 11.1906% | 2,346 |
| Tier 1 risk-based capital ratio | 16.9911% | 2,341 |
| Total risk-based capital ratio | 17.7712% | 2,445 |
| Memoranda: | ||
| Average total assets | $184,340,500 | 3,442 |
| Average earning assets | $172,039,500 | 3,387 |
| Average equity | $20,543,500 | 3,179 |
| Average total loans | $138,078,000 | 3,210 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2375% | 4,314 |
| Cost of funding earning assets | 2.6683% | 3,322 |
| Net interest margin | 3.5692% | 5,018 |
| Noninterest income to average assets | 0.3414% | 6,007 |
| Noninterest expense to average assets | 2.8618% | 4,563 |
| Loan and lease loss provision to assets | 0.0448% | 6,851 |
| Net operating income to assets | 0.4781% | 4,842 |
| Return on assets (ROA) | 0.4781% | 4,657 |
| Pretax return on assets | 0.7713% | 4,175 |
| Return on Equity (ROE) | 4.2754% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.2754% | 2,459 |
| Net charge-offs to loans | 0.0591% | 5,934 |
| Credit loss provision to net charge-offs | 105.1948% | 5,088 |
| Earnings coverage of net charge-offs (x) | 19.1558% | 1,654 |
| Efficiency ratio | 77.8095% | 2,946 |
| Assets per employee ($millions) | 3.6196% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6839% | 7,470 |
| Loan loss allowance to noncurrent loans | 45.7644% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 1.1517% | 3,967 |
| Noncurrent loans to loans | 1.4945% | 3,558 |
| Net loans and leases to total assets | 73.9438% | 3,115 |
| Net loans and leases to deposits | 83.6080% | 4,478 |
| Net loans and leases to core deposits | 98.7978% | 4,947 |
| Total domestic deposits to total assets | 88.4410% | 1,277 |
| Equity capital to assets | 11.0541% | 2,997 |
| Core capital (leverage) ratio | 11.0500% | 2,551 |
| Tier 1 risk-based capital ratio | 17.0184% | 2,304 |
| Total risk-based capital ratio | 17.8027% | 2,400 |
| Memoranda: | ||
| Average total assets | $180,723,000 | 3,398 |
| Average earning assets | $168,945,400 | 3,351 |
| Average equity | $20,208,600 | 3,195 |
| Average total loans | $130,315,200 | 3,265 |