Home > Ambler Savings Bank > Performance and Condition Ratios
Ambler Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 3,528 |
| Cost of funding earning assets | 1.4498% | 2,076 |
| Net interest margin | 2.8000% | 3,661 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.0200% | 3,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6121% | 3,411 |
| Return on assets (ROA) | 0.6121% | 3,395 |
| Pretax return on assets | 0.7446% | 3,349 |
| Return on Equity (ROE) | 5.8900% | 3,540 |
| Retained earnings to average equity (ytd only) | 5.8874% | 2,291 |
| Net charge-offs to loans | -0.0010% | 3,604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.9353% | 1,561 |
| Assets per employee ($millions) | 8.4117% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 3,814 |
| Loan loss allowance to noncurrent loans | 141.8712% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 1,409 |
| Noncurrent loans to loans | 0.6109% | 1,290 |
| Net loans and leases to total assets | 63.9500% | 2,464 |
| Net loans and leases to deposits | 75.3172% | 2,519 |
| Net loans and leases to core deposits | 79.3487% | 2,747 |
| Total domestic deposits to total assets | 84.9100% | 2,337 |
| Equity capital to assets | 11.0737% | 1,437 |
| Core capital (leverage) ratio | 13.5034% | 907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3031% | 462 |
| Memoranda: | ||
| Average total assets | $497,973,400 | 1,731 |
| Average earning assets | $465,923,400 | 1,718 |
| Average equity | $51,771,400 | 1,566 |
| Average total loans | $309,399,600 | 1,757 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1397% | 3,581 |
| Cost of funding earning assets | 1.2475% | 2,287 |
| Net interest margin | 2.8922% | 3,565 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.0136% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6913% | 3,345 |
| Return on assets (ROA) | 0.6913% | 3,325 |
| Pretax return on assets | 0.8432% | 3,236 |
| Return on Equity (ROE) | 6.7600% | 3,495 |
| Retained earnings to average equity (ytd only) | 6.7587% | 2,370 |
| Net charge-offs to loans | -0.0022% | 3,583 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.3624% | 1,747 |
| Assets per employee ($millions) | 8.9571% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8798% | 3,799 |
| Loan loss allowance to noncurrent loans | 149.6228% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 1,599 |
| Noncurrent loans to loans | 0.5880% | 1,364 |
| Net loans and leases to total assets | 60.2300% | 2,820 |
| Net loans and leases to deposits | 69.5239% | 2,872 |
| Net loans and leases to core deposits | 73.0367% | 3,053 |
| Total domestic deposits to total assets | 86.6300% | 2,007 |
| Equity capital to assets | 9.4904% | 2,102 |
| Core capital (leverage) ratio | 13.4954% | 944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4669% | 459 |
| Memoranda: | ||
| Average total assets | $498,393,500 | 1,732 |
| Average earning assets | $466,525,750 | 1,722 |
| Average equity | $50,974,750 | 1,572 |
| Average total loans | $306,705,500 | 1,770 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1114% | 3,471 |
| Cost of funding earning assets | 1.0799% | 2,352 |
| Net interest margin | 3.0315% | 3,347 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 1.9973% | 3,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7628% | 3,182 |
| Return on assets (ROA) | 0.7628% | 3,198 |
| Pretax return on assets | 0.9675% | 3,000 |
| Return on Equity (ROE) | 7.2700% | 3,420 |
| Retained earnings to average equity (ytd only) | 7.2732% | 2,200 |
| Net charge-offs to loans | -0.0020% | 3,533 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.2433% | 2,072 |
| Assets per employee ($millions) | 8.0100% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 3,758 |
| Loan loss allowance to noncurrent loans | 224.8784% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 1,897 |
| Noncurrent loans to loans | 0.4037% | 1,722 |
| Net loans and leases to total assets | 64.0900% | 2,374 |
| Net loans and leases to deposits | 74.8096% | 2,416 |
| Net loans and leases to core deposits | 77.9684% | 2,616 |
| Total domestic deposits to total assets | 85.6700% | 2,339 |
| Equity capital to assets | 10.9643% | 1,400 |
| Core capital (leverage) ratio | 13.8628% | 802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0633% | 424 |
| Memoranda: | ||
| Average total assets | $491,353,333 | 1,746 |
| Average earning assets | $460,234,333 | 1,736 |
| Average equity | $51,531,667 | 1,563 |
| Average total loans | $303,722,000 | 1,764 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0238% | 3,409 |
| Cost of funding earning assets | 0.9726% | 2,144 |
| Net interest margin | 3.0512% | 3,461 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.0011% | 3,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7717% | 3,292 |
| Return on assets (ROA) | 0.7717% | 3,244 |
| Pretax return on assets | 0.9810% | 3,048 |
| Return on Equity (ROE) | 7.5200% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.5190% | 2,360 |
| Net charge-offs to loans | -0.0013% | 3,356 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.9971% | 2,088 |
| Assets per employee ($millions) | 8.8932% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 3,800 |
| Loan loss allowance to noncurrent loans | 292.8194% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 2,194 |
| Noncurrent loans to loans | 0.3144% | 2,016 |
| Net loans and leases to total assets | 59.9300% | 2,656 |
| Net loans and leases to deposits | 69.6382% | 2,645 |
| Net loans and leases to core deposits | 71.8097% | 2,831 |
| Total domestic deposits to total assets | 86.0600% | 2,568 |
| Equity capital to assets | 10.5586% | 1,540 |
| Core capital (leverage) ratio | 12.7776% | 1,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0948% | 348 |
| Memoranda: | ||
| Average total assets | $500,736,000 | 1,741 |
| Average earning assets | $470,504,000 | 1,725 |
| Average equity | $51,389,500 | 1,577 |
| Average total loans | $302,753,500 | 1,780 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5981% | 2,812 |
| Cost of funding earning assets | 0.5158% | 1,293 |
| Net interest margin | 3.0823% | 3,217 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 1.8680% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8834% | 3,030 |
| Return on assets (ROA) | 0.8834% | 2,970 |
| Pretax return on assets | 1.1285% | 2,674 |
| Return on Equity (ROE) | 8.2900% | 3,312 |
| Retained earnings to average equity (ytd only) | 8.2948% | 1,724 |
| Net charge-offs to loans | -0.0094% | 3,807 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.1703% | 2,735 |
| Assets per employee ($millions) | 8.8325% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 3,727 |
| Loan loss allowance to noncurrent loans | 193.0362% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.2852% | 1,715 |
| Noncurrent loans to loans | 0.4719% | 1,519 |
| Net loans and leases to total assets | 59.8900% | 2,638 |
| Net loans and leases to deposits | 69.1243% | 2,659 |
| Net loans and leases to core deposits | 71.0594% | 2,796 |
| Total domestic deposits to total assets | 86.6400% | 2,517 |
| Equity capital to assets | 9.9702% | 1,721 |
| Core capital (leverage) ratio | 12.2857% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2380% | 359 |
| Memoranda: | ||
| Average total assets | $496,044,200 | 1,731 |
| Average earning assets | $469,362,800 | 1,700 |
| Average equity | $52,828,200 | 1,546 |
| Average total loans | $297,513,800 | 1,729 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4602% | 2,751 |
| Cost of funding earning assets | 0.4281% | 1,108 |
| Net interest margin | 3.0321% | 3,135 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 1.8489% | 3,876 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8577% | 3,039 |
| Return on assets (ROA) | 0.8577% | 3,015 |
| Pretax return on assets | 1.0997% | 2,727 |
| Return on Equity (ROE) | 7.9200% | 3,357 |
| Retained earnings to average equity (ytd only) | 7.9245% | 2,029 |
| Net charge-offs to loans | -0.0018% | 3,246 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.5126% | 2,761 |
| Assets per employee ($millions) | 8.8802% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 3,881 |
| Loan loss allowance to noncurrent loans | 651.1848% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 3,094 |
| Noncurrent loans to loans | 0.1372% | 2,947 |
| Net loans and leases to total assets | 59.2000% | 2,583 |
| Net loans and leases to deposits | 67.6621% | 2,564 |
| Net loans and leases to core deposits | 69.4310% | 2,687 |
| Total domestic deposits to total assets | 87.4900% | 2,597 |
| Equity capital to assets | 9.1764% | 2,103 |
| Core capital (leverage) ratio | 12.1779% | 1,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6324% | 401 |
| Memoranda: | ||
| Average total assets | $494,192,250 | 1,741 |
| Average earning assets | $467,828,000 | 1,711 |
| Average equity | $53,486,500 | 1,550 |
| Average total loans | $295,821,750 | 1,730 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3701% | 2,519 |
| Cost of funding earning assets | 0.3965% | 937 |
| Net interest margin | 2.9736% | 2,962 |
| Noninterest income to average assets | 0.0944% | 4,511 |
| Noninterest expense to average assets | 1.7839% | 4,001 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8821% | 2,662 |
| Return on assets (ROA) | 0.8821% | 2,635 |
| Pretax return on assets | 1.1272% | 2,315 |
| Return on Equity (ROE) | 7.7356% | 3,092 |
| Retained earnings to average equity (ytd only) | 7.7356% | 1,712 |
| Net charge-offs to loans | -0.0021% | 3,136 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1252% | 3,165 |
| Assets per employee ($millions) | 8.6598% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 3,920 |
| Loan loss allowance to noncurrent loans | 378.3747% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 2,671 |
| Noncurrent loans to loans | 0.2411% | 2,517 |
| Net loans and leases to total assets | 61.5228% | 2,168 |
| Net loans and leases to deposits | 71.7441% | 2,047 |
| Net loans and leases to core deposits | 73.6905% | 2,197 |
| Total domestic deposits to total assets | 85.7531% | 3,310 |
| Equity capital to assets | 10.3657% | 1,500 |
| Core capital (leverage) ratio | 12.7153% | 902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0588% | 364 |
| Memoranda: | ||
| Average total assets | $487,239,333 | 1,773 |
| Average earning assets | $461,535,667 | 1,747 |
| Average equity | $55,561,000 | 1,531 |
| Average total loans | $291,877,333 | 1,747 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3152% | 2,339 |
| Cost of funding earning assets | 0.3962% | 893 |
| Net interest margin | 2.9190% | 2,771 |
| Noninterest income to average assets | 0.0827% | 4,565 |
| Noninterest expense to average assets | 1.7388% | 4,074 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8624% | 2,441 |
| Return on assets (ROA) | 0.8624% | 2,432 |
| Pretax return on assets | 1.1139% | 2,097 |
| Return on Equity (ROE) | 7.2362% | 2,963 |
| Retained earnings to average equity (ytd only) | 7.2362% | 1,818 |
| Net charge-offs to loans | -0.0014% | 3,053 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7809% | 3,401 |
| Assets per employee ($millions) | 8.7364% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 3,855 |
| Loan loss allowance to noncurrent loans | 316.2442% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 2,535 |
| Noncurrent loans to loans | 0.3052% | 2,368 |
| Net loans and leases to total assets | 58.6233% | 2,228 |
| Net loans and leases to deposits | 69.4247% | 2,016 |
| Net loans and leases to core deposits | 71.4024% | 2,166 |
| Total domestic deposits to total assets | 84.4415% | 3,666 |
| Equity capital to assets | 11.4732% | 1,134 |
| Core capital (leverage) ratio | 12.5663% | 890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2697% | 323 |
| Memoranda: | ||
| Average total assets | $488,385,500 | 1,770 |
| Average earning assets | $463,442,500 | 1,749 |
| Average equity | $58,207,500 | 1,521 |
| Average total loans | $287,266,000 | 1,752 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4795% | 2,721 |
| Cost of funding earning assets | 0.5129% | 874 |
| Net interest margin | 2.9666% | 3,278 |
| Noninterest income to average assets | 0.0929% | 4,634 |
| Noninterest expense to average assets | 1.8128% | 4,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8667% | 3,146 |
| Return on assets (ROA) | 0.8667% | 3,204 |
| Pretax return on assets | 1.0961% | 2,982 |
| Return on Equity (ROE) | 6.7982% | 3,568 |
| Retained earnings to average equity (ytd only) | 6.7982% | 2,002 |
| Net charge-offs to loans | -0.0313% | 4,139 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1806% | 2,846 |
| Assets per employee ($millions) | 9.0231% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 3,950 |
| Loan loss allowance to noncurrent loans | 260.5888% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 2,504 |
| Noncurrent loans to loans | 0.3630% | 2,284 |
| Net loans and leases to total assets | 57.9035% | 2,386 |
| Net loans and leases to deposits | 69.7994% | 2,152 |
| Net loans and leases to core deposits | 71.8563% | 2,273 |
| Total domestic deposits to total assets | 82.9570% | 3,816 |
| Equity capital to assets | 12.3494% | 1,108 |
| Core capital (leverage) ratio | 12.4676% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4420% | 331 |
| Memoranda: | ||
| Average total assets | $469,497,400 | 1,776 |
| Average earning assets | $445,666,000 | 1,744 |
| Average equity | $59,853,800 | 1,513 |
| Average total loans | $297,306,600 | 1,715 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4883% | 2,864 |
| Cost of funding earning assets | 0.5434% | 858 |
| Net interest margin | 2.9449% | 3,448 |
| Noninterest income to average assets | 0.0945% | 4,689 |
| Noninterest expense to average assets | 1.8328% | 4,099 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8450% | 3,404 |
| Return on assets (ROA) | 0.8450% | 3,463 |
| Pretax return on assets | 1.0550% | 3,311 |
| Return on Equity (ROE) | 6.5729% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.5729% | 2,588 |
| Net charge-offs to loans | -0.0125% | 3,766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3280% | 2,487 |
| Assets per employee ($millions) | 8.8615% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 4,172 |
| Loan loss allowance to noncurrent loans | 100.9040% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5548% | 1,388 |
| Noncurrent loans to loans | 0.8821% | 1,301 |
| Net loans and leases to total assets | 62.3367% | 1,967 |
| Net loans and leases to deposits | 75.6363% | 1,702 |
| Net loans and leases to core deposits | 78.1380% | 1,887 |
| Total domestic deposits to total assets | 82.4165% | 3,843 |
| Equity capital to assets | 12.6841% | 1,099 |
| Core capital (leverage) ratio | 12.2749% | 1,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1283% | 367 |
| Memoranda: | ||
| Average total assets | $462,804,500 | 1,820 |
| Average earning assets | $438,979,000 | 1,792 |
| Average equity | $59,495,750 | 1,547 |
| Average total loans | $299,108,000 | 1,739 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4565% | 3,015 |
| Cost of funding earning assets | 0.5735% | 846 |
| Net interest margin | 2.8830% | 3,620 |
| Noninterest income to average assets | 0.0992% | 4,690 |
| Noninterest expense to average assets | 1.8310% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8147% | 3,467 |
| Return on assets (ROA) | 0.8147% | 3,541 |
| Pretax return on assets | 1.0014% | 3,446 |
| Return on Equity (ROE) | 6.3084% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.3084% | 2,690 |
| Net charge-offs to loans | -0.0181% | 3,947 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4907% | 2,362 |
| Assets per employee ($millions) | 8.6507% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8525% | 4,280 |
| Loan loss allowance to noncurrent loans | 108.9947% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 1,618 |
| Noncurrent loans to loans | 0.7822% | 1,553 |
| Net loans and leases to total assets | 65.4582% | 1,759 |
| Net loans and leases to deposits | 79.5136% | 1,470 |
| Net loans and leases to core deposits | 82.3771% | 1,693 |
| Total domestic deposits to total assets | 82.3233% | 3,856 |
| Equity capital to assets | 12.5816% | 1,097 |
| Core capital (leverage) ratio | 12.6118% | 885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9879% | 379 |
| Memoranda: | ||
| Average total assets | $457,565,333 | 1,826 |
| Average earning assets | $433,790,000 | 1,800 |
| Average equity | $59,095,667 | 1,543 |
| Average total loans | $298,486,000 | 1,752 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5293% | 2,830 |
| Cost of funding earning assets | 0.6187% | 806 |
| Net interest margin | 2.9106% | 3,485 |
| Noninterest income to average assets | 0.1133% | 4,629 |
| Noninterest expense to average assets | 1.8570% | 4,093 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8188% | 3,359 |
| Return on assets (ROA) | 0.8188% | 3,432 |
| Pretax return on assets | 1.0133% | 3,336 |
| Return on Equity (ROE) | 6.2542% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.2542% | 2,809 |
| Net charge-offs to loans | -0.0344% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5432% | 2,405 |
| Assets per employee ($millions) | 8.5405% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8838% | 4,199 |
| Loan loss allowance to noncurrent loans | 126.2264% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 1,985 |
| Noncurrent loans to loans | 0.7002% | 1,840 |
| Net loans and leases to total assets | 66.2970% | 1,757 |
| Net loans and leases to deposits | 81.1016% | 1,414 |
| Net loans and leases to core deposits | 84.2011% | 1,662 |
| Total domestic deposits to total assets | 81.7456% | 3,944 |
| Equity capital to assets | 12.9478% | 926 |
| Core capital (leverage) ratio | 12.7981% | 886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1173% | 320 |
| Memoranda: | ||
| Average total assets | $448,453,500 | 1,848 |
| Average earning assets | $424,792,500 | 1,822 |
| Average equity | $58,712,500 | 1,543 |
| Average total loans | $290,668,500 | 1,790 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7135% | 3,544 |
| Cost of funding earning assets | 0.8319% | 1,085 |
| Net interest margin | 2.8817% | 4,141 |
| Noninterest income to average assets | 0.0784% | 4,801 |
| Noninterest expense to average assets | 1.8830% | 4,350 |
| Loan and lease loss provision to assets | 0.0234% | 4,108 |
| Net operating income to assets | 0.7398% | 3,299 |
| Return on assets (ROA) | 0.7429% | 3,414 |
| Pretax return on assets | 0.8966% | 3,375 |
| Return on Equity (ROE) | 5.6180% | 3,700 |
| Retained earnings to average equity (ytd only) | 5.6180% | 1,986 |
| Net charge-offs to loans | 0.0355% | 2,341 |
| Credit loss provision to net charge-offs | 103.0928% | 2,783 |
| Earnings coverage of net charge-offs (x) | 40.3711% | 1,384 |
| Efficiency ratio | 67.1180% | 2,345 |
| Assets per employee ($millions) | 8.2270% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 4,032 |
| Loan loss allowance to noncurrent loans | 129.5066% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.4608% | 2,181 |
| Noncurrent loans to loans | 0.7348% | 1,866 |
| Net loans and leases to total assets | 62.1075% | 2,592 |
| Net loans and leases to deposits | 76.3747% | 2,244 |
| Net loans and leases to core deposits | 79.6445% | 2,399 |
| Total domestic deposits to total assets | 81.3195% | 3,800 |
| Equity capital to assets | 13.2393% | 1,014 |
| Core capital (leverage) ratio | 12.8258% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7296% | 295 |
| Memoranda: | ||
| Average total assets | $427,403,200 | 1,774 |
| Average earning assets | $403,549,400 | 1,758 |
| Average equity | $56,514,800 | 1,514 |
| Average total loans | $273,274,400 | 1,812 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7222% | 3,752 |
| Cost of funding earning assets | 0.8805% | 1,134 |
| Net interest margin | 2.8416% | 4,276 |
| Noninterest income to average assets | 0.0816% | 4,817 |
| Noninterest expense to average assets | 1.8847% | 4,353 |
| Loan and lease loss provision to assets | 0.0314% | 3,940 |
| Net operating income to assets | 0.7016% | 3,454 |
| Return on assets (ROA) | 0.7045% | 3,546 |
| Pretax return on assets | 0.8500% | 3,514 |
| Return on Equity (ROE) | 5.3295% | 3,781 |
| Retained earnings to average equity (ytd only) | 5.3295% | 2,415 |
| Net charge-offs to loans | 0.0691% | 1,628 |
| Credit loss provision to net charge-offs | 70.9220% | 2,804 |
| Earnings coverage of net charge-offs (x) | 19.7660% | 1,927 |
| Efficiency ratio | 68.0693% | 2,184 |
| Assets per employee ($millions) | 8.0242% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 4,018 |
| Loan loss allowance to noncurrent loans | 141.3774% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 2,498 |
| Noncurrent loans to loans | 0.6487% | 2,168 |
| Net loans and leases to total assets | 63.8220% | 2,791 |
| Net loans and leases to deposits | 78.4362% | 2,493 |
| Net loans and leases to core deposits | 82.0633% | 2,655 |
| Total domestic deposits to total assets | 81.3681% | 3,576 |
| Equity capital to assets | 13.1131% | 1,131 |
| Core capital (leverage) ratio | 12.4543% | 1,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4749% | 321 |
| Memoranda: | ||
| Average total assets | $423,189,250 | 1,763 |
| Average earning assets | $399,292,750 | 1,747 |
| Average equity | $55,939,250 | 1,514 |
| Average total loans | $271,950,750 | 1,806 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 3,911 |
| Cost of funding earning assets | 0.9414% | 1,186 |
| Net interest margin | 2.8405% | 4,396 |
| Noninterest income to average assets | 0.0786% | 4,843 |
| Noninterest expense to average assets | 1.9154% | 4,389 |
| Loan and lease loss provision to assets | 0.0479% | 3,699 |
| Net operating income to assets | 0.6558% | 3,558 |
| Return on assets (ROA) | 0.6602% | 3,641 |
| Pretax return on assets | 0.7983% | 3,590 |
| Return on Equity (ROE) | 4.9806% | 3,833 |
| Retained earnings to average equity (ytd only) | 4.9806% | 2,480 |
| Net charge-offs to loans | 0.0665% | 1,579 |
| Credit loss provision to net charge-offs | 112.3596% | 2,323 |
| Earnings coverage of net charge-offs (x) | 19.7079% | 1,708 |
| Efficiency ratio | 69.3338% | 2,041 |
| Assets per employee ($millions) | 7.9723% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9256% | 3,898 |
| Loan loss allowance to noncurrent loans | 141.4362% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 2,563 |
| Noncurrent loans to loans | 0.6545% | 2,225 |
| Net loans and leases to total assets | 66.1093% | 2,613 |
| Net loans and leases to deposits | 81.5356% | 2,255 |
| Net loans and leases to core deposits | 85.4090% | 2,490 |
| Total domestic deposits to total assets | 81.0804% | 3,584 |
| Equity capital to assets | 13.2556% | 1,059 |
| Core capital (leverage) ratio | 12.8765% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7518% | 339 |
| Memoranda: | ||
| Average total assets | $417,142,667 | 1,760 |
| Average earning assets | $393,244,667 | 1,740 |
| Average equity | $55,295,000 | 1,516 |
| Average total loans | $267,843,667 | 1,806 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8855% | 4,060 |
| Cost of funding earning assets | 1.0306% | 1,295 |
| Net interest margin | 2.8549% | 4,496 |
| Noninterest income to average assets | 0.0848% | 4,880 |
| Noninterest expense to average assets | 1.9549% | 4,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6772% | 3,343 |
| Return on assets (ROA) | 0.6861% | 3,389 |
| Pretax return on assets | 0.8293% | 3,336 |
| Return on Equity (ROE) | 5.1756% | 3,578 |
| Retained earnings to average equity (ytd only) | 5.1756% | 2,206 |
| Net charge-offs to loans | 0.2386% | 598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 5.4545% | 2,054 |
| Efficiency ratio | 70.3443% | 2,301 |
| Assets per employee ($millions) | 7.4608% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 3,872 |
| Loan loss allowance to noncurrent loans | 135.6172% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 2,678 |
| Noncurrent loans to loans | 0.7119% | 2,220 |
| Net loans and leases to total assets | 62.3473% | 3,263 |
| Net loans and leases to deposits | 76.3083% | 3,041 |
| Net loans and leases to core deposits | 80.2710% | 3,174 |
| Total domestic deposits to total assets | 81.7044% | 3,496 |
| Equity capital to assets | 13.2347% | 1,324 |
| Core capital (leverage) ratio | 13.0928% | 1,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5223% | 372 |
| Memoranda: | ||
| Average total assets | $410,461,500 | 1,736 |
| Average earning assets | $386,560,500 | 1,718 |
| Average equity | $54,409,500 | 1,532 |
| Average total loans | $258,134,000 | 1,814 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 4,277 |
| Cost of funding earning assets | 1.1150% | 1,273 |
| Net interest margin | 2.8769% | 4,679 |
| Noninterest income to average assets | 0.1399% | 4,775 |
| Noninterest expense to average assets | 1.8933% | 4,674 |
| Loan and lease loss provision to assets | 0.0324% | 3,366 |
| Net operating income to assets | 0.7723% | 3,638 |
| Return on assets (ROA) | 0.7723% | 3,716 |
| Pretax return on assets | 0.9251% | 3,664 |
| Return on Equity (ROE) | 6.0443% | 3,904 |
| Retained earnings to average equity (ytd only) | 6.0443% | 1,843 |
| Net charge-offs to loans | -0.1656% | 5,038 |
| Credit loss provision to net charge-offs | -31.1475% | 4,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2598% | 2,731 |
| Assets per employee ($millions) | 7.3318% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 3,331 |
| Loan loss allowance to noncurrent loans | 144.7786% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 2,619 |
| Noncurrent loans to loans | 0.7091% | 2,102 |
| Net loans and leases to total assets | 62.1775% | 3,378 |
| Net loans and leases to deposits | 76.3448% | 3,144 |
| Net loans and leases to core deposits | 80.1947% | 3,279 |
| Total domestic deposits to total assets | 81.4430% | 3,666 |
| Equity capital to assets | 13.2766% | 1,377 |
| Core capital (leverage) ratio | 12.7068% | 1,368 |
| Tier 1 risk-based capital ratio | 25.5389% | 713 |
| Total risk-based capital ratio | 26.7889% | 693 |
| Memoranda: | ||
| Average total assets | $410,982,000 | 1,709 |
| Average earning assets | $387,250,400 | 1,678 |
| Average equity | $52,512,400 | 1,531 |
| Average total loans | $257,840,000 | 1,789 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9930% | 4,375 |
| Cost of funding earning assets | 1.1173% | 1,282 |
| Net interest margin | 2.8756% | 4,785 |
| Noninterest income to average assets | 0.1583% | 4,757 |
| Noninterest expense to average assets | 1.8529% | 4,758 |
| Loan and lease loss provision to assets | 0.0431% | 3,041 |
| Net operating income to assets | 0.8134% | 3,632 |
| Return on assets (ROA) | 0.8134% | 3,714 |
| Pretax return on assets | 0.9717% | 3,676 |
| Return on Equity (ROE) | 6.4290% | 3,907 |
| Retained earnings to average equity (ytd only) | 6.4290% | 2,155 |
| Net charge-offs to loans | -0.0036% | 4,136 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4537% | 2,940 |
| Assets per employee ($millions) | 7.4048% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8041% | 4,401 |
| Loan loss allowance to noncurrent loans | 100.4831% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4992% | 2,531 |
| Noncurrent loans to loans | 0.8002% | 1,973 |
| Net loans and leases to total assets | 61.8797% | 3,505 |
| Net loans and leases to deposits | 75.8853% | 3,305 |
| Net loans and leases to core deposits | 79.7269% | 3,408 |
| Total domestic deposits to total assets | 81.5437% | 3,604 |
| Equity capital to assets | 12.9951% | 1,629 |
| Core capital (leverage) ratio | 12.7623% | 1,455 |
| Tier 1 risk-based capital ratio | 25.2346% | 757 |
| Total risk-based capital ratio | 26.2312% | 755 |
| Memoranda: | ||
| Average total assets | $411,083,000 | 1,716 |
| Average earning assets | $387,337,500 | 1,684 |
| Average equity | $52,012,750 | 1,545 |
| Average total loans | $257,816,250 | 1,799 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 4,427 |
| Cost of funding earning assets | 1.1070% | 1,273 |
| Net interest margin | 2.8678% | 4,855 |
| Noninterest income to average assets | 0.1922% | 4,603 |
| Noninterest expense to average assets | 1.8795% | 4,778 |
| Loan and lease loss provision to assets | 0.0429% | 2,963 |
| Net operating income to assets | 0.7788% | 3,723 |
| Return on assets (ROA) | 0.7788% | 3,790 |
| Pretax return on assets | 0.9710% | 3,646 |
| Return on Equity (ROE) | 6.2116% | 3,977 |
| Retained earnings to average equity (ytd only) | 6.2116% | 2,186 |
| Net charge-offs to loans | -0.0054% | 4,148 |
| Credit loss provision to net charge-offs | -1,257.1429% | 4,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8061% | 3,004 |
| Assets per employee ($millions) | 7.2631% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7890% | 4,477 |
| Loan loss allowance to noncurrent loans | 69.7395% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 1,943 |
| Noncurrent loans to loans | 1.1313% | 1,441 |
| Net loans and leases to total assets | 61.8121% | 3,562 |
| Net loans and leases to deposits | 75.6422% | 3,369 |
| Net loans and leases to core deposits | 79.6107% | 3,452 |
| Total domestic deposits to total assets | 81.7164% | 3,601 |
| Equity capital to assets | 12.7813% | 1,697 |
| Core capital (leverage) ratio | 12.6026% | 1,486 |
| Tier 1 risk-based capital ratio | 24.9699% | 759 |
| Total risk-based capital ratio | 25.9506% | 762 |
| Memoranda: | ||
| Average total assets | $409,887,000 | 1,722 |
| Average earning assets | $386,075,330 | 1,697 |
| Average equity | $51,388,000 | 1,556 |
| Average total loans | $257,529,330 | 1,808 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9634% | 4,451 |
| Cost of funding earning assets | 1.0839% | 1,238 |
| Net interest margin | 2.8795% | 4,903 |
| Noninterest income to average assets | 0.0912% | 5,112 |
| Noninterest expense to average assets | 1.9214% | 4,765 |
| Loan and lease loss provision to assets | 0.0422% | 2,793 |
| Net operating income to assets | 0.6718% | 4,019 |
| Return on assets (ROA) | 0.6718% | 4,058 |
| Pretax return on assets | 0.8376% | 3,952 |
| Return on Equity (ROE) | 5.4123% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.4123% | 2,728 |
| Net charge-offs to loans | -0.0886% | 4,996 |
| Credit loss provision to net charge-offs | -75.4386% | 3,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4524% | 2,573 |
| Assets per employee ($millions) | 7.5161% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7927% | 4,546 |
| Loan loss allowance to noncurrent loans | 121.7910% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4052% | 2,963 |
| Noncurrent loans to loans | 0.6508% | 2,387 |
| Net loans and leases to total assets | 61.7622% | 3,526 |
| Net loans and leases to deposits | 75.6311% | 3,295 |
| Net loans and leases to core deposits | 79.7783% | 3,391 |
| Total domestic deposits to total assets | 81.6625% | 3,809 |
| Equity capital to assets | 12.4019% | 1,799 |
| Core capital (leverage) ratio | 12.5899% | 1,461 |
| Tier 1 risk-based capital ratio | 24.6686% | 786 |
| Total risk-based capital ratio | 25.6570% | 790 |
| Memoranda: | ||
| Average total assets | $407,833,000 | 1,741 |
| Average earning assets | $383,815,000 | 1,716 |
| Average equity | $50,625,000 | 1,565 |
| Average total loans | $257,327,000 | 1,822 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9252% | 4,225 |
| Cost of funding earning assets | 0.9325% | 984 |
| Net interest margin | 2.9927% | 4,805 |
| Noninterest income to average assets | 0.0915% | 5,177 |
| Noninterest expense to average assets | 1.8750% | 4,927 |
| Loan and lease loss provision to assets | 0.0446% | 3,292 |
| Net operating income to assets | 0.7649% | 3,928 |
| Return on assets (ROA) | 0.7649% | 3,930 |
| Pretax return on assets | 0.9816% | 3,671 |
| Return on Equity (ROE) | 6.2894% | 4,073 |
| Retained earnings to average equity (ytd only) | 6.2894% | 2,044 |
| Net charge-offs to loans | 0.0820% | 1,966 |
| Credit loss provision to net charge-offs | 83.4906% | 2,813 |
| Earnings coverage of net charge-offs (x) | 19.2123% | 2,081 |
| Efficiency ratio | 64.4290% | 3,129 |
| Assets per employee ($millions) | 7.3142% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7540% | 4,665 |
| Loan loss allowance to noncurrent loans | 126.9634% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.3798% | 3,040 |
| Noncurrent loans to loans | 0.5939% | 2,506 |
| Net loans and leases to total assets | 63.4776% | 3,410 |
| Net loans and leases to deposits | 77.9010% | 3,176 |
| Net loans and leases to core deposits | 82.1601% | 3,250 |
| Total domestic deposits to total assets | 81.4850% | 3,792 |
| Equity capital to assets | 12.4247% | 1,619 |
| Core capital (leverage) ratio | 12.4886% | 1,460 |
| Tier 1 risk-based capital ratio | 24.6087% | 774 |
| Total risk-based capital ratio | 25.5594% | 780 |
| Memoranda: | ||
| Average total assets | $396,904,800 | 1,727 |
| Average earning assets | $372,645,400 | 1,712 |
| Average equity | $48,272,000 | 1,562 |
| Average total loans | $258,596,400 | 1,788 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8959% | 4,225 |
| Cost of funding earning assets | 0.8838% | 988 |
| Net interest margin | 3.0121% | 4,832 |
| Noninterest income to average assets | 0.0907% | 5,241 |
| Noninterest expense to average assets | 1.8643% | 4,957 |
| Loan and lease loss provision to assets | 0.0452% | 3,088 |
| Net operating income to assets | 0.7790% | 3,978 |
| Return on assets (ROA) | 0.7790% | 3,986 |
| Pretax return on assets | 1.0082% | 3,698 |
| Return on Equity (ROE) | 6.4402% | 4,132 |
| Retained earnings to average equity (ytd only) | 6.4402% | 2,411 |
| Net charge-offs to loans | 0.0484% | 2,134 |
| Credit loss provision to net charge-offs | 142.5532% | 1,776 |
| Earnings coverage of net charge-offs (x) | 33.2447% | 1,518 |
| Efficiency ratio | 63.6899% | 3,237 |
| Assets per employee ($millions) | 7.3676% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7667% | 4,715 |
| Loan loss allowance to noncurrent loans | 118.6690% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 2,985 |
| Noncurrent loans to loans | 0.6460% | 2,474 |
| Net loans and leases to total assets | 65.5551% | 3,236 |
| Net loans and leases to deposits | 79.8262% | 3,067 |
| Net loans and leases to core deposits | 84.1058% | 3,146 |
| Total domestic deposits to total assets | 82.1223% | 3,575 |
| Equity capital to assets | 12.1784% | 1,783 |
| Core capital (leverage) ratio | 12.4369% | 1,534 |
| Tier 1 risk-based capital ratio | 23.9436% | 854 |
| Total risk-based capital ratio | 24.9181% | 858 |
| Memoranda: | ||
| Average total assets | $395,561,250 | 1,736 |
| Average earning assets | $371,253,750 | 1,722 |
| Average equity | $47,844,500 | 1,573 |
| Average total loans | $258,921,250 | 1,792 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8736% | 4,148 |
| Cost of funding earning assets | 0.8417% | 957 |
| Net interest margin | 3.0319% | 4,833 |
| Noninterest income to average assets | 0.0942% | 5,284 |
| Noninterest expense to average assets | 1.8734% | 4,998 |
| Loan and lease loss provision to assets | 0.0461% | 2,981 |
| Net operating income to assets | 0.7994% | 3,856 |
| Return on assets (ROA) | 0.7994% | 3,856 |
| Pretax return on assets | 1.0198% | 3,600 |
| Return on Equity (ROE) | 6.6244% | 4,019 |
| Retained earnings to average equity (ytd only) | 6.6244% | 2,248 |
| Net charge-offs to loans | 0.0901% | 1,446 |
| Credit loss provision to net charge-offs | 78.4483% | 2,274 |
| Earnings coverage of net charge-offs (x) | 18.1379% | 1,917 |
| Efficiency ratio | 63.4953% | 3,384 |
| Assets per employee ($millions) | 7.3760% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 4,814 |
| Loan loss allowance to noncurrent loans | 299.0798% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 4,167 |
| Noncurrent loans to loans | 0.2525% | 3,797 |
| Net loans and leases to total assets | 64.3515% | 3,359 |
| Net loans and leases to deposits | 77.5891% | 3,194 |
| Net loans and leases to core deposits | 81.0512% | 3,316 |
| Total domestic deposits to total assets | 82.9389% | 3,424 |
| Equity capital to assets | 12.0747% | 1,809 |
| Core capital (leverage) ratio | 12.2752% | 1,556 |
| Tier 1 risk-based capital ratio | 23.9125% | 843 |
| Total risk-based capital ratio | 24.8717% | 842 |
| Memoranda: | ||
| Average total assets | $394,797,330 | 1,752 |
| Average earning assets | $370,461,000 | 1,731 |
| Average equity | $47,642,000 | 1,581 |
| Average total loans | $257,619,000 | 1,807 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8232% | 4,157 |
| Cost of funding earning assets | 0.8156% | 895 |
| Net interest margin | 3.0076% | 4,870 |
| Noninterest income to average assets | 0.0896% | 5,365 |
| Noninterest expense to average assets | 1.8654% | 5,076 |
| Loan and lease loss provision to assets | 0.0458% | 2,851 |
| Net operating income to assets | 0.7846% | 3,774 |
| Return on assets (ROA) | 0.7846% | 3,769 |
| Pretax return on assets | 1.0004% | 3,530 |
| Return on Equity (ROE) | 6.5041% | 3,981 |
| Retained earnings to average equity (ytd only) | 6.5041% | 2,496 |
| Net charge-offs to loans | 0.1555% | 907 |
| Credit loss provision to net charge-offs | 45.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 10.2800% | 1,909 |
| Efficiency ratio | 63.8937% | 3,498 |
| Assets per employee ($millions) | 7.2989% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7422% | 4,935 |
| Loan loss allowance to noncurrent loans | 103.1703% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4912% | 2,893 |
| Noncurrent loans to loans | 0.7194% | 2,411 |
| Net loans and leases to total assets | 65.1439% | 3,158 |
| Net loans and leases to deposits | 79.0388% | 2,913 |
| Net loans and leases to core deposits | 82.5237% | 3,101 |
| Total domestic deposits to total assets | 82.4201% | 3,835 |
| Equity capital to assets | 12.0091% | 1,779 |
| Core capital (leverage) ratio | 12.1948% | 1,531 |
| Tier 1 risk-based capital ratio | 23.5350% | 889 |
| Total risk-based capital ratio | 24.4787% | 894 |
| Memoranda: | ||
| Average total assets | $393,044,500 | 1,767 |
| Average earning assets | $368,800,500 | 1,749 |
| Average equity | $47,416,000 | 1,598 |
| Average total loans | $257,296,500 | 1,809 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7669% | 4,162 |
| Cost of funding earning assets | 0.7632% | 773 |
| Net interest margin | 3.0037% | 4,874 |
| Noninterest income to average assets | 0.0882% | 5,437 |
| Noninterest expense to average assets | 1.8709% | 5,160 |
| Loan and lease loss provision to assets | 0.0424% | 3,400 |
| Net operating income to assets | 0.7222% | 3,509 |
| Return on assets (ROA) | 0.7280% | 3,518 |
| Pretax return on assets | 0.9937% | 3,598 |
| Return on Equity (ROE) | 6.1961% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.1961% | 1,441 |
| Net charge-offs to loans | 0.0206% | 3,420 |
| Credit loss provision to net charge-offs | 324.4898% | 886 |
| Earnings coverage of net charge-offs (x) | 78.7347% | 781 |
| Efficiency ratio | 64.4269% | 3,545 |
| Assets per employee ($millions) | 7.3952% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7717% | 4,902 |
| Loan loss allowance to noncurrent loans | 116.7948% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 3,064 |
| Noncurrent loans to loans | 0.6608% | 2,561 |
| Net loans and leases to total assets | 64.7890% | 3,258 |
| Net loans and leases to deposits | 78.8676% | 3,025 |
| Net loans and leases to core deposits | 82.4410% | 3,210 |
| Total domestic deposits to total assets | 82.1491% | 3,831 |
| Equity capital to assets | 12.1188% | 1,752 |
| Core capital (leverage) ratio | 11.9178% | 1,654 |
| Tier 1 risk-based capital ratio | 23.3703% | 876 |
| Total risk-based capital ratio | 24.3532% | 885 |
| Memoranda: | ||
| Average total assets | $375,277,600 | 1,807 |
| Average earning assets | $351,167,600 | 1,796 |
| Average equity | $44,092,200 | 1,682 |
| Average total loans | $237,900,000 | 1,887 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7301% | 4,237 |
| Cost of funding earning assets | 0.7460% | 772 |
| Net interest margin | 2.9841% | 4,955 |
| Noninterest income to average assets | 0.0884% | 5,513 |
| Noninterest expense to average assets | 1.8966% | 5,139 |
| Loan and lease loss provision to assets | 0.0406% | 3,297 |
| Net operating income to assets | 0.7317% | 3,814 |
| Return on assets (ROA) | 0.7401% | 3,847 |
| Pretax return on assets | 0.9528% | 3,857 |
| Return on Equity (ROE) | 6.3519% | 3,963 |
| Retained earnings to average equity (ytd only) | 6.3519% | 2,031 |
| Net charge-offs to loans | 0.0274% | 2,894 |
| Credit loss provision to net charge-offs | 235.4167% | 1,183 |
| Earnings coverage of net charge-offs (x) | 56.9778% | 1,026 |
| Efficiency ratio | 65.7849% | 3,251 |
| Assets per employee ($millions) | 7.5097% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7562% | 5,008 |
| Loan loss allowance to noncurrent loans | 88.9401% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.5452% | 2,887 |
| Noncurrent loans to loans | 0.8502% | 2,240 |
| Net loans and leases to total assets | 63.6395% | 3,464 |
| Net loans and leases to deposits | 77.6632% | 3,200 |
| Net loans and leases to core deposits | 80.9362% | 3,377 |
| Total domestic deposits to total assets | 81.9430% | 3,796 |
| Equity capital to assets | 11.8293% | 2,091 |
| Core capital (leverage) ratio | 11.5799% | 1,963 |
| Tier 1 risk-based capital ratio | 22.9343% | 954 |
| Total risk-based capital ratio | 23.8878% | 964 |
| Memoranda: | ||
| Average total assets | $371,110,500 | 1,838 |
| Average earning assets | $347,080,000 | 1,824 |
| Average equity | $43,240,500 | 1,732 |
| Average total loans | $233,396,750 | 1,923 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6404% | 4,393 |
| Cost of funding earning assets | 0.7125% | 835 |
| Net interest margin | 2.9280% | 5,043 |
| Noninterest income to average assets | 0.0939% | 5,543 |
| Noninterest expense to average assets | 1.9108% | 5,172 |
| Loan and lease loss provision to assets | 0.0376% | 3,261 |
| Net operating income to assets | 0.7226% | 3,744 |
| Return on assets (ROA) | 0.7362% | 3,750 |
| Pretax return on assets | 0.8969% | 3,947 |
| Return on Equity (ROE) | 6.3537% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.3537% | 1,934 |
| Net charge-offs to loans | -0.0018% | 4,172 |
| Credit loss provision to net charge-offs | -3,400.0000% | 5,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5322% | 3,089 |
| Assets per employee ($millions) | 7.4026% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7799% | 4,993 |
| Loan loss allowance to noncurrent loans | 83.9115% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 2,836 |
| Noncurrent loans to loans | 0.9294% | 2,110 |
| Net loans and leases to total assets | 61.5851% | 3,677 |
| Net loans and leases to deposits | 74.9864% | 3,450 |
| Net loans and leases to core deposits | 78.1157% | 3,584 |
| Total domestic deposits to total assets | 82.1284% | 3,852 |
| Equity capital to assets | 11.5988% | 2,230 |
| Core capital (leverage) ratio | 12.5198% | 1,360 |
| Tier 1 risk-based capital ratio | 22.9297% | 959 |
| Total risk-based capital ratio | 23.9089% | 962 |
| Memoranda: | ||
| Average total assets | $362,143,330 | 1,877 |
| Average earning assets | $338,255,330 | 1,863 |
| Average equity | $41,960,000 | 1,782 |
| Average total loans | $226,121,330 | 1,969 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7517% | 3,933 |
| Cost of funding earning assets | 0.7203% | 763 |
| Net interest margin | 3.0314% | 4,828 |
| Noninterest income to average assets | 0.0955% | 5,608 |
| Noninterest expense to average assets | 2.0155% | 5,016 |
| Loan and lease loss provision to assets | 0.0536% | 2,734 |
| Net operating income to assets | 0.7037% | 3,687 |
| Return on assets (ROA) | 0.7037% | 3,728 |
| Pretax return on assets | 0.8505% | 3,939 |
| Return on Equity (ROE) | 6.0768% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.0768% | 2,294 |
| Net charge-offs to loans | 0.0112% | 2,600 |
| Credit loss provision to net charge-offs | 766.6667% | 412 |
| Earnings coverage of net charge-offs (x) | 129.3333% | 424 |
| Efficiency ratio | 68.9944% | 3,050 |
| Assets per employee ($millions) | 6.7601% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8819% | 4,826 |
| Loan loss allowance to noncurrent loans | 211.6667% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 4,168 |
| Noncurrent loans to loans | 0.4166% | 3,596 |
| Net loans and leases to total assets | 62.1041% | 3,521 |
| Net loans and leases to deposits | 76.5966% | 3,124 |
| Net loans and leases to core deposits | 79.9113% | 3,308 |
| Total domestic deposits to total assets | 81.0795% | 4,400 |
| Equity capital to assets | 11.6262% | 2,093 |
| Core capital (leverage) ratio | 11.7975% | 1,757 |
| Tier 1 risk-based capital ratio | 22.6979% | 1,013 |
| Total risk-based capital ratio | 23.7715% | 1,006 |
| Memoranda: | ||
| Average total assets | $343,344,500 | 1,971 |
| Average earning assets | $319,852,000 | 1,965 |
| Average equity | $39,757,500 | 1,875 |
| Average total loans | $215,124,000 | 2,063 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6852% | 4,258 |
| Cost of funding earning assets | 0.7896% | 534 |
| Net interest margin | 2.8956% | 5,145 |
| Noninterest income to average assets | 0.0947% | 5,657 |
| Noninterest expense to average assets | 1.8818% | 5,386 |
| Loan and lease loss provision to assets | 0.0383% | 3,607 |
| Net operating income to assets | 0.7953% | 3,328 |
| Return on assets (ROA) | 0.7953% | 3,428 |
| Pretax return on assets | 0.8865% | 3,889 |
| Return on Equity (ROE) | 6.9323% | 3,507 |
| Retained earnings to average equity (ytd only) | 6.9323% | 1,258 |
| Net charge-offs to loans | 0.0559% | 2,929 |
| Credit loss provision to net charge-offs | 113.0435% | 2,327 |
| Earnings coverage of net charge-offs (x) | 27.2609% | 1,519 |
| Efficiency ratio | 67.0486% | 3,434 |
| Assets per employee ($millions) | 6.5755% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 4,897 |
| Loan loss allowance to noncurrent loans | 144.9106% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 3,768 |
| Noncurrent loans to loans | 0.6008% | 3,050 |
| Net loans and leases to total assets | 62.1088% | 3,601 |
| Net loans and leases to deposits | 76.6908% | 3,240 |
| Net loans and leases to core deposits | 80.0403% | 3,393 |
| Total domestic deposits to total assets | 80.9859% | 4,336 |
| Equity capital to assets | 11.5323% | 2,137 |
| Core capital (leverage) ratio | 11.8084% | 1,718 |
| Tier 1 risk-based capital ratio | 22.2288% | 1,049 |
| Total risk-based capital ratio | 23.2682% | 1,050 |
| Memoranda: | ||
| Average total assets | $338,987,600 | 1,956 |
| Average earning assets | $317,482,600 | 1,931 |
| Average equity | $38,890,400 | 1,883 |
| Average total loans | $205,797,000 | 2,076 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6822% | 4,312 |
| Cost of funding earning assets | 0.7992% | 509 |
| Net interest margin | 2.8830% | 5,217 |
| Noninterest income to average assets | 0.0859% | 5,753 |
| Noninterest expense to average assets | 1.8763% | 5,421 |
| Loan and lease loss provision to assets | 0.0335% | 3,561 |
| Net operating income to assets | 0.8069% | 3,332 |
| Return on assets (ROA) | 0.8069% | 3,477 |
| Pretax return on assets | 0.8806% | 4,047 |
| Return on Equity (ROE) | 7.0424% | 3,543 |
| Retained earnings to average equity (ytd only) | 7.0424% | 1,608 |
| Net charge-offs to loans | 0.0753% | 2,245 |
| Credit loss provision to net charge-offs | 73.9130% | 2,742 |
| Earnings coverage of net charge-offs (x) | 20.1651% | 1,889 |
| Efficiency ratio | 67.2411% | 3,375 |
| Assets per employee ($millions) | 6.4442% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8636% | 4,993 |
| Loan loss allowance to noncurrent loans | 192.1859% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 4,317 |
| Noncurrent loans to loans | 0.4494% | 3,668 |
| Net loans and leases to total assets | 61.1690% | 3,719 |
| Net loans and leases to deposits | 76.3509% | 3,369 |
| Net loans and leases to core deposits | 79.8870% | 3,455 |
| Total domestic deposits to total assets | 80.1156% | 4,489 |
| Equity capital to assets | 11.6896% | 2,365 |
| Core capital (leverage) ratio | 11.4855% | 2,047 |
| Tier 1 risk-based capital ratio | 22.3150% | 1,090 |
| Total risk-based capital ratio | 23.3500% | 1,107 |
| Memoranda: | ||
| Average total assets | $338,253,000 | 1,966 |
| Average earning assets | $317,304,250 | 1,938 |
| Average equity | $38,755,000 | 1,902 |
| Average total loans | $203,688,500 | 2,099 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6769% | 4,367 |
| Cost of funding earning assets | 0.8008% | 491 |
| Net interest margin | 2.8761% | 5,305 |
| Noninterest income to average assets | 0.0670% | 5,866 |
| Noninterest expense to average assets | 1.8650% | 5,510 |
| Loan and lease loss provision to assets | 0.0012% | 4,007 |
| Net operating income to assets | 0.7409% | 3,599 |
| Return on assets (ROA) | 0.7409% | 3,757 |
| Pretax return on assets | 0.9046% | 3,934 |
| Return on Equity (ROE) | 6.5111% | 3,796 |
| Retained earnings to average equity (ytd only) | 6.5111% | 1,870 |
| Net charge-offs to loans | 0.0268% | 2,940 |
| Credit loss provision to net charge-offs | 7.4074% | 3,014 |
| Earnings coverage of net charge-offs (x) | 56.5556% | 915 |
| Efficiency ratio | 67.3089% | 3,481 |
| Assets per employee ($millions) | 6.7539% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8915% | 4,983 |
| Loan loss allowance to noncurrent loans | 374.7433% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 4,942 |
| Noncurrent loans to loans | 0.2379% | 4,494 |
| Net loans and leases to total assets | 58.9039% | 4,021 |
| Net loans and leases to deposits | 73.2557% | 3,677 |
| Net loans and leases to core deposits | 76.6749% | 3,766 |
| Total domestic deposits to total assets | 80.4087% | 4,449 |
| Equity capital to assets | 11.4037% | 2,634 |
| Core capital (leverage) ratio | 11.3037% | 2,148 |
| Tier 1 risk-based capital ratio | 22.4310% | 1,089 |
| Total risk-based capital ratio | 23.4959% | 1,096 |
| Memoranda: | ||
| Average total assets | $337,156,000 | 1,977 |
| Average earning assets | $316,951,670 | 1,948 |
| Average equity | $38,365,000 | 1,918 |
| Average total loans | $201,338,330 | 2,119 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6964% | 4,340 |
| Cost of funding earning assets | 0.8095% | 471 |
| Net interest margin | 2.8869% | 5,346 |
| Noninterest income to average assets | 0.0732% | 5,897 |
| Noninterest expense to average assets | 1.9058% | 5,519 |
| Loan and lease loss provision to assets | 0.0024% | 3,645 |
| Net operating income to assets | 0.7256% | 3,591 |
| Return on assets (ROA) | 0.7256% | 3,703 |
| Pretax return on assets | 0.8851% | 3,909 |
| Return on Equity (ROE) | 6.3840% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.3840% | 2,189 |
| Net charge-offs to loans | 0.0541% | 1,983 |
| Credit loss provision to net charge-offs | 7.4074% | 2,376 |
| Earnings coverage of net charge-offs (x) | 27.4074% | 1,243 |
| Efficiency ratio | 68.2267% | 3,427 |
| Assets per employee ($millions) | 6.7517% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 5,005 |
| Loan loss allowance to noncurrent loans | 399.3435% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 5,031 |
| Noncurrent loans to loans | 0.2292% | 4,608 |
| Net loans and leases to total assets | 58.5106% | 3,985 |
| Net loans and leases to deposits | 72.9820% | 3,551 |
| Net loans and leases to core deposits | 76.3199% | 3,649 |
| Total domestic deposits to total assets | 80.1714% | 4,704 |
| Equity capital to assets | 11.3332% | 2,589 |
| Core capital (leverage) ratio | 11.3766% | 2,070 |
| Tier 1 risk-based capital ratio | 22.7948% | 1,037 |
| Total risk-based capital ratio | 23.8954% | 1,040 |
| Memoranda: | ||
| Average total assets | $333,509,500 | 2,005 |
| Average earning assets | $314,251,000 | 1,977 |
| Average equity | $37,907,500 | 1,935 |
| Average total loans | $199,648,000 | 2,135 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7488% | 4,196 |
| Cost of funding earning assets | 0.8081% | 475 |
| Net interest margin | 2.9407% | 5,273 |
| Noninterest income to average assets | 0.0689% | 5,955 |
| Noninterest expense to average assets | 1.9340% | 5,573 |
| Loan and lease loss provision to assets | 0.0253% | 3,882 |
| Net operating income to assets | 0.7830% | 3,408 |
| Return on assets (ROA) | 0.7830% | 3,485 |
| Pretax return on assets | 0.9173% | 3,778 |
| Return on Equity (ROE) | 7.0057% | 3,516 |
| Retained earnings to average equity (ytd only) | 7.0057% | 1,279 |
| Net charge-offs to loans | 0.0162% | 3,961 |
| Credit loss provision to net charge-offs | 256.2500% | 1,121 |
| Earnings coverage of net charge-offs (x) | 95.4063% | 603 |
| Efficiency ratio | 67.2319% | 3,709 |
| Assets per employee ($millions) | 6.7232% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 4,993 |
| Loan loss allowance to noncurrent loans | 198.4979% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 4,453 |
| Noncurrent loans to loans | 0.4661% | 3,799 |
| Net loans and leases to total assets | 60.1328% | 3,820 |
| Net loans and leases to deposits | 75.3710% | 3,334 |
| Net loans and leases to core deposits | 78.6875% | 3,476 |
| Total domestic deposits to total assets | 79.7824% | 4,801 |
| Equity capital to assets | 11.4001% | 2,447 |
| Core capital (leverage) ratio | 11.3856% | 2,053 |
| Tier 1 risk-based capital ratio | 23.0182% | 1,010 |
| Total risk-based capital ratio | 24.1632% | 1,010 |
| Memoranda: | ||
| Average total assets | $323,890,200 | 2,024 |
| Average earning assets | $309,249,600 | 1,966 |
| Average equity | $36,199,200 | 1,971 |
| Average total loans | $197,213,600 | 2,099 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7550% | 4,241 |
| Cost of funding earning assets | 0.8034% | 485 |
| Net interest margin | 2.9516% | 5,302 |
| Noninterest income to average assets | 0.0686% | 6,049 |
| Noninterest expense to average assets | 1.9352% | 5,590 |
| Loan and lease loss provision to assets | 0.0339% | 3,545 |
| Net operating income to assets | 0.7963% | 3,443 |
| Return on assets (ROA) | 0.7963% | 3,539 |
| Pretax return on assets | 0.9261% | 3,894 |
| Return on Equity (ROE) | 7.1610% | 3,538 |
| Retained earnings to average equity (ytd only) | 7.1610% | 1,617 |
| Net charge-offs to loans | 0.0217% | 3,498 |
| Credit loss provision to net charge-offs | 256.2500% | 1,114 |
| Earnings coverage of net charge-offs (x) | 72.5550% | 797 |
| Efficiency ratio | 66.8428% | 3,747 |
| Assets per employee ($millions) | 6.9156% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 5,110 |
| Loan loss allowance to noncurrent loans | 210.2273% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 4,682 |
| Noncurrent loans to loans | 0.4389% | 4,034 |
| Net loans and leases to total assets | 61.1137% | 3,718 |
| Net loans and leases to deposits | 77.0866% | 3,187 |
| Net loans and leases to core deposits | 80.2948% | 3,407 |
| Total domestic deposits to total assets | 79.2793% | 4,915 |
| Equity capital to assets | 11.3189% | 2,684 |
| Core capital (leverage) ratio | 11.2551% | 2,243 |
| Tier 1 risk-based capital ratio | 22.8862% | 1,066 |
| Total risk-based capital ratio | 24.0436% | 1,065 |
| Memoranda: | ||
| Average total assets | $322,503,750 | 2,046 |
| Average earning assets | $308,843,000 | 1,980 |
| Average equity | $35,860,000 | 1,998 |
| Average total loans | $196,529,750 | 2,119 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7470% | 4,248 |
| Cost of funding earning assets | 0.7937% | 518 |
| Net interest margin | 2.9533% | 5,331 |
| Noninterest income to average assets | 0.0715% | 6,108 |
| Noninterest expense to average assets | 1.9642% | 5,605 |
| Loan and lease loss provision to assets | 0.0385% | 3,348 |
| Net operating income to assets | 0.7915% | 3,430 |
| Return on assets (ROA) | 0.7915% | 3,525 |
| Pretax return on assets | 0.9053% | 3,938 |
| Return on Equity (ROE) | 7.1617% | 3,519 |
| Retained earnings to average equity (ytd only) | 7.1617% | 1,636 |
| Net charge-offs to loans | 0.0328% | 3,009 |
| Credit loss provision to net charge-offs | 193.7500% | 1,267 |
| Earnings coverage of net charge-offs (x) | 47.4375% | 993 |
| Efficiency ratio | 67.5433% | 3,740 |
| Assets per employee ($millions) | 6.4836% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 5,169 |
| Loan loss allowance to noncurrent loans | 189.2451% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 4,685 |
| Noncurrent loans to loans | 0.4931% | 3,993 |
| Net loans and leases to total assets | 59.9271% | 3,849 |
| Net loans and leases to deposits | 73.8510% | 3,506 |
| Net loans and leases to core deposits | 76.9524% | 3,672 |
| Total domestic deposits to total assets | 81.1459% | 4,569 |
| Equity capital to assets | 11.0026% | 2,877 |
| Core capital (leverage) ratio | 11.1427% | 2,299 |
| Tier 1 risk-based capital ratio | 22.7920% | 1,105 |
| Total risk-based capital ratio | 23.9530% | 1,093 |
| Memoranda: | ||
| Average total assets | $321,661,000 | 2,068 |
| Average earning assets | $308,941,000 | 1,984 |
| Average equity | $35,550,000 | 2,022 |
| Average total loans | $195,210,000 | 2,128 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7893% | 4,055 |
| Cost of funding earning assets | 0.7825% | 558 |
| Net interest margin | 3.0068% | 5,198 |
| Noninterest income to average assets | 0.0699% | 6,177 |
| Noninterest expense to average assets | 1.9625% | 5,642 |
| Loan and lease loss provision to assets | 0.0499% | 2,936 |
| Net operating income to assets | 0.7890% | 3,320 |
| Return on assets (ROA) | 0.7890% | 3,453 |
| Pretax return on assets | 0.9501% | 3,693 |
| Return on Equity (ROE) | 7.1229% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.1229% | 1,965 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2453% | 4,114 |
| Assets per employee ($millions) | 6.4578% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 5,272 |
| Loan loss allowance to noncurrent loans | 175.0714% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 4,686 |
| Noncurrent loans to loans | 0.5394% | 3,966 |
| Net loans and leases to total assets | 59.7802% | 3,685 |
| Net loans and leases to deposits | 73.8064% | 3,336 |
| Net loans and leases to core deposits | 76.7270% | 3,520 |
| Total domestic deposits to total assets | 80.9959% | 4,822 |
| Equity capital to assets | 11.1193% | 2,844 |
| Core capital (leverage) ratio | 11.0675% | 2,350 |
| Tier 1 risk-based capital ratio | 22.3563% | 1,189 |
| Total risk-based capital ratio | 23.5221% | 1,191 |
| Memoranda: | ||
| Average total assets | $320,402,000 | 2,086 |
| Average earning assets | $308,233,500 | 1,999 |
| Average equity | $35,491,000 | 2,036 |
| Average total loans | $194,764,500 | 2,126 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8470% | 4,332 |
| Cost of funding earning assets | 0.7832% | 705 |
| Net interest margin | 3.0638% | 5,288 |
| Noninterest income to average assets | 0.0852% | 6,205 |
| Noninterest expense to average assets | 2.1265% | 5,512 |
| Loan and lease loss provision to assets | 0.0805% | 2,869 |
| Net operating income to assets | 0.8369% | 3,187 |
| Return on assets (ROA) | 0.8213% | 3,364 |
| Pretax return on assets | 0.8103% | 4,219 |
| Return on Equity (ROE) | 7.9210% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.9210% | 1,048 |
| Net charge-offs to loans | 0.1656% | 2,378 |
| Credit loss provision to net charge-offs | 79.8762% | 2,868 |
| Earnings coverage of net charge-offs (x) | 8.9938% | 2,805 |
| Efficiency ratio | 70.1132% | 3,514 |
| Assets per employee ($millions) | 6.2336% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9247% | 5,388 |
| Loan loss allowance to noncurrent loans | 121.1306% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 4,244 |
| Noncurrent loans to loans | 0.7634% | 3,411 |
| Net loans and leases to total assets | 60.6657% | 3,699 |
| Net loans and leases to deposits | 73.7467% | 3,467 |
| Net loans and leases to core deposits | 76.7543% | 3,630 |
| Total domestic deposits to total assets | 82.2623% | 4,323 |
| Equity capital to assets | 11.0340% | 2,858 |
| Core capital (leverage) ratio | 10.8363% | 2,576 |
| Tier 1 risk-based capital ratio | 22.0801% | 1,213 |
| Total risk-based capital ratio | 23.2270% | 1,206 |
| Memoranda: | ||
| Average total assets | $320,485,200 | 2,025 |
| Average earning assets | $308,345,200 | 1,949 |
| Average equity | $33,228,200 | 2,094 |
| Average total loans | $195,031,000 | 2,071 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8639% | 4,311 |
| Cost of funding earning assets | 0.7786% | 770 |
| Net interest margin | 3.0852% | 5,297 |
| Noninterest income to average assets | 0.0606% | 6,358 |
| Noninterest expense to average assets | 2.1893% | 5,373 |
| Loan and lease loss provision to assets | 0.1013% | 2,343 |
| Net operating income to assets | 0.8121% | 3,373 |
| Return on assets (ROA) | 0.8221% | 3,418 |
| Pretax return on assets | 0.7478% | 4,531 |
| Return on Equity (ROE) | 8.0570% | 3,169 |
| Retained earnings to average equity (ytd only) | 8.0570% | 1,333 |
| Net charge-offs to loans | 0.1599% | 2,205 |
| Credit loss provision to net charge-offs | 104.2735% | 2,124 |
| Earnings coverage of net charge-offs (x) | 8.6368% | 2,768 |
| Efficiency ratio | 72.2923% | 3,127 |
| Assets per employee ($millions) | 6.4064% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 5,361 |
| Loan loss allowance to noncurrent loans | 131.7639% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5760% | 4,119 |
| Noncurrent loans to loans | 0.7333% | 3,768 |
| Net loans and leases to total assets | 59.9928% | 3,787 |
| Net loans and leases to deposits | 72.7921% | 3,589 |
| Net loans and leases to core deposits | 76.1418% | 3,723 |
| Total domestic deposits to total assets | 82.4166% | 4,329 |
| Equity capital to assets | 10.6075% | 3,423 |
| Core capital (leverage) ratio | 10.5200% | 3,017 |
| Tier 1 risk-based capital ratio | 21.2186% | 1,410 |
| Total risk-based capital ratio | 22.3886% | 1,403 |
| Memoranda: | ||
| Average total assets | $321,127,500 | 2,035 |
| Average earning assets | $308,904,500 | 1,957 |
| Average equity | $32,765,500 | 2,129 |
| Average total loans | $195,122,250 | 2,088 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8791% | 4,225 |
| Cost of funding earning assets | 0.7763% | 800 |
| Net interest margin | 3.1027% | 5,245 |
| Noninterest income to average assets | 0.0647% | 6,395 |
| Noninterest expense to average assets | 2.2595% | 5,257 |
| Loan and lease loss provision to assets | 0.0946% | 2,448 |
| Net operating income to assets | 0.7069% | 3,802 |
| Return on assets (ROA) | 0.7218% | 3,818 |
| Pretax return on assets | 0.7125% | 4,599 |
| Return on Equity (ROE) | 7.1691% | 3,530 |
| Retained earnings to average equity (ytd only) | 7.1691% | 1,683 |
| Net charge-offs to loans | 0.1913% | 1,876 |
| Credit loss provision to net charge-offs | 81.2834% | 2,314 |
| Earnings coverage of net charge-offs (x) | 6.8075% | 2,720 |
| Efficiency ratio | 74.0416% | 2,971 |
| Assets per employee ($millions) | 6.2825% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 5,608 |
| Loan loss allowance to noncurrent loans | 101.8931% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 4,317 |
| Noncurrent loans to loans | 0.9200% | 3,422 |
| Net loans and leases to total assets | 59.1973% | 3,832 |
| Net loans and leases to deposits | 70.4908% | 3,758 |
| Net loans and leases to core deposits | 73.6062% | 3,880 |
| Total domestic deposits to total assets | 83.9788% | 3,925 |
| Equity capital to assets | 10.1279% | 3,935 |
| Core capital (leverage) ratio | 10.3286% | 3,167 |
| Tier 1 risk-based capital ratio | 20.7773% | 1,490 |
| Total risk-based capital ratio | 21.9231% | 1,494 |
| Memoranda: | ||
| Average total assets | $321,396,670 | 2,033 |
| Average earning assets | $309,403,670 | 1,944 |
| Average equity | $32,361,330 | 2,143 |
| Average total loans | $195,481,670 | 2,085 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9756% | 3,791 |
| Cost of funding earning assets | 0.7774% | 846 |
| Net interest margin | 3.1982% | 4,924 |
| Noninterest income to average assets | 0.0728% | 6,417 |
| Noninterest expense to average assets | 1.9840% | 5,914 |
| Loan and lease loss provision to assets | 0.1129% | 2,068 |
| Net operating income to assets | 0.8141% | 3,089 |
| Return on assets (ROA) | 0.8044% | 3,212 |
| Pretax return on assets | 1.0403% | 3,164 |
| Return on Equity (ROE) | 8.0129% | 2,922 |
| Retained earnings to average equity (ytd only) | 8.0129% | 1,590 |
| Net charge-offs to loans | 0.2781% | 1,231 |
| Credit loss provision to net charge-offs | 66.1765% | 2,042 |
| Earnings coverage of net charge-offs (x) | 6.8309% | 2,186 |
| Efficiency ratio | 62.9880% | 5,000 |
| Assets per employee ($millions) | 6.2102% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 5,766 |
| Loan loss allowance to noncurrent loans | 251.2431% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.2365% | 5,491 |
| Noncurrent loans to loans | 0.3713% | 5,015 |
| Net loans and leases to total assets | 60.9886% | 3,398 |
| Net loans and leases to deposits | 72.8148% | 3,233 |
| Net loans and leases to core deposits | 76.3330% | 3,374 |
| Total domestic deposits to total assets | 83.7585% | 4,362 |
| Equity capital to assets | 10.2444% | 3,547 |
| Core capital (leverage) ratio | 10.2535% | 3,215 |
| Tier 1 risk-based capital ratio | 19.8622% | 1,756 |
| Total risk-based capital ratio | 20.9683% | 1,758 |
| Memoranda: | ||
| Average total assets | $318,749,000 | 2,050 |
| Average earning assets | $306,673,500 | 1,970 |
| Average equity | $31,998,500 | 2,156 |
| Average total loans | $195,611,000 | 2,088 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1091% | 3,700 |
| Cost of funding earning assets | 0.8648% | 885 |
| Net interest margin | 3.2443% | 4,853 |
| Noninterest income to average assets | 0.0999% | 6,387 |
| Noninterest expense to average assets | 1.8321% | 6,273 |
| Loan and lease loss provision to assets | 0.1607% | 2,270 |
| Net operating income to assets | 0.9625% | 2,506 |
| Return on assets (ROA) | 0.9770% | 2,502 |
| Pretax return on assets | 1.2484% | 2,371 |
| Return on Equity (ROE) | 10.1952% | 2,029 |
| Retained earnings to average equity (ytd only) | 10.1952% | 527 |
| Net charge-offs to loans | 0.4432% | 1,498 |
| Credit loss provision to net charge-offs | 60.3550% | 3,552 |
| Earnings coverage of net charge-offs (x) | 5.2213% | 3,353 |
| Efficiency ratio | 56.8509% | 5,870 |
| Assets per employee ($millions) | 6.1688% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 5,757 |
| Loan loss allowance to noncurrent loans | 190.1121% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 5,318 |
| Noncurrent loans to loans | 0.4999% | 4,745 |
| Net loans and leases to total assets | 60.5949% | 3,611 |
| Net loans and leases to deposits | 72.2691% | 3,491 |
| Net loans and leases to core deposits | 75.3532% | 3,686 |
| Total domestic deposits to total assets | 83.8461% | 4,223 |
| Equity capital to assets | 9.8358% | 3,979 |
| Core capital (leverage) ratio | 10.0277% | 3,522 |
| Tier 1 risk-based capital ratio | 19.0889% | 1,892 |
| Total risk-based capital ratio | 20.2006% | 1,896 |
| Memoranda: | ||
| Average total assets | $317,294,600 | 2,028 |
| Average earning assets | $305,395,000 | 1,941 |
| Average equity | $30,406,400 | 2,235 |
| Average total loans | $190,641,600 | 2,092 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1396% | 3,605 |
| Cost of funding earning assets | 0.8794% | 909 |
| Net interest margin | 3.2602% | 4,792 |
| Noninterest income to average assets | 0.1091% | 6,458 |
| Noninterest expense to average assets | 1.7803% | 6,367 |
| Loan and lease loss provision to assets | 0.1753% | 2,077 |
| Net operating income to assets | 1.0036% | 2,364 |
| Return on assets (ROA) | 1.0227% | 2,371 |
| Pretax return on assets | 1.3163% | 2,275 |
| Return on Equity (ROE) | 10.7433% | 1,909 |
| Retained earnings to average equity (ytd only) | 10.7433% | 629 |
| Net charge-offs to loans | 0.5855% | 1,073 |
| Credit loss provision to net charge-offs | 50.0602% | 3,493 |
| Earnings coverage of net charge-offs (x) | 4.1901% | 3,510 |
| Efficiency ratio | 54.8203% | 6,032 |
| Assets per employee ($millions) | 6.3620% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9230% | 5,994 |
| Loan loss allowance to noncurrent loans | 224.8111% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2575% | 5,666 |
| Noncurrent loans to loans | 0.4106% | 5,166 |
| Net loans and leases to total assets | 60.2341% | 3,663 |
| Net loans and leases to deposits | 71.8605% | 3,530 |
| Net loans and leases to core deposits | 75.1788% | 3,713 |
| Total domestic deposits to total assets | 83.8209% | 4,270 |
| Equity capital to assets | 9.7258% | 4,276 |
| Core capital (leverage) ratio | 9.7815% | 3,988 |
| Tier 1 risk-based capital ratio | 18.9702% | 2,002 |
| Total risk-based capital ratio | 20.0503% | 2,011 |
| Memoranda: | ||
| Average total assets | $316,423,750 | 2,043 |
| Average earning assets | $304,597,000 | 1,956 |
| Average equity | $30,120,250 | 2,262 |
| Average total loans | $189,242,000 | 2,104 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1579% | 3,509 |
| Cost of funding earning assets | 0.8834% | 972 |
| Net interest margin | 3.2745% | 4,668 |
| Noninterest income to average assets | 0.1342% | 6,384 |
| Noninterest expense to average assets | 1.7754% | 6,415 |
| Loan and lease loss provision to assets | 0.2064% | 1,831 |
| Net operating income to assets | 0.9762% | 2,441 |
| Return on assets (ROA) | 0.9833% | 2,547 |
| Pretax return on assets | 1.3139% | 2,254 |
| Return on Equity (ROE) | 10.4062% | 2,040 |
| Retained earnings to average equity (ytd only) | 10.4062% | 762 |
| Net charge-offs to loans | 0.4642% | 1,422 |
| Credit loss provision to net charge-offs | 74.7706% | 2,728 |
| Earnings coverage of net charge-offs (x) | 5.4725% | 2,888 |
| Efficiency ratio | 54.0270% | 6,144 |
| Assets per employee ($millions) | 6.2932% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 5,394 |
| Loan loss allowance to noncurrent loans | 262.8931% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 5,720 |
| Noncurrent loans to loans | 0.4228% | 5,204 |
| Net loans and leases to total assets | 57.9403% | 3,997 |
| Net loans and leases to deposits | 67.5900% | 4,068 |
| Net loans and leases to core deposits | 70.7009% | 4,199 |
| Total domestic deposits to total assets | 85.7231% | 3,515 |
| Equity capital to assets | 9.4381% | 4,665 |
| Core capital (leverage) ratio | 9.6429% | 4,019 |
| Tier 1 risk-based capital ratio | 18.6645% | 2,097 |
| Total risk-based capital ratio | 19.9047% | 2,059 |
| Memoranda: | ||
| Average total assets | $315,864,330 | 2,048 |
| Average earning assets | $304,048,670 | 1,967 |
| Average equity | $29,847,670 | 2,281 |
| Average total loans | $187,859,000 | 2,125 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 3,391 |
| Cost of funding earning assets | 0.9001% | 987 |
| Net interest margin | 3.2781% | 4,597 |
| Noninterest income to average assets | 0.0766% | 6,648 |
| Noninterest expense to average assets | 1.8384% | 6,384 |
| Loan and lease loss provision to assets | 0.2004% | 1,855 |
| Net operating income to assets | 0.8808% | 2,746 |
| Return on assets (ROA) | 0.8949% | 2,830 |
| Pretax return on assets | 1.2141% | 2,522 |
| Return on Equity (ROE) | 9.4648% | 2,287 |
| Retained earnings to average equity (ytd only) | 9.4648% | 1,253 |
| Net charge-offs to loans | 0.8564% | 705 |
| Credit loss provision to net charge-offs | 39.0547% | 2,760 |
| Earnings coverage of net charge-offs (x) | 2.7189% | 2,960 |
| Efficiency ratio | 56.8496% | 5,982 |
| Assets per employee ($millions) | 6.0420% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 5,784 |
| Loan loss allowance to noncurrent loans | 136.5223% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4637% | 5,221 |
| Noncurrent loans to loans | 0.7711% | 4,584 |
| Net loans and leases to total assets | 58.4876% | 3,706 |
| Net loans and leases to deposits | 67.3545% | 3,863 |
| Net loans and leases to core deposits | 70.6115% | 3,992 |
| Total domestic deposits to total assets | 86.8355% | 3,054 |
| Equity capital to assets | 9.5386% | 4,796 |
| Core capital (leverage) ratio | 9.4470% | 4,171 |
| Tier 1 risk-based capital ratio | 18.6453% | 2,142 |
| Total risk-based capital ratio | 19.8758% | 2,122 |
| Memoranda: | ||
| Average total assets | $313,320,000 | 2,092 |
| Average earning assets | $301,756,000 | 2,000 |
| Average equity | $29,625,500 | 2,329 |
| Average total loans | $187,763,000 | 2,137 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3327% | 4,078 |
| Cost of funding earning assets | 1.1709% | 659 |
| Net interest margin | 3.1617% | 5,664 |
| Noninterest income to average assets | 0.0607% | 6,653 |
| Noninterest expense to average assets | 1.7820% | 6,645 |
| Loan and lease loss provision to assets | 0.2389% | 2,742 |
| Net operating income to assets | 0.7692% | 3,418 |
| Return on assets (ROA) | 0.8167% | 3,455 |
| Pretax return on assets | 1.1468% | 2,998 |
| Return on Equity (ROE) | 9.0334% | 2,625 |
| Retained earnings to average equity (ytd only) | 9.0334% | 810 |
| Net charge-offs to loans | 0.1547% | 4,154 |
| Credit loss provision to net charge-offs | 251.5464% | 966 |
| Earnings coverage of net charge-offs (x) | 13.8832% | 1,781 |
| Efficiency ratio | 57.4692% | 5,901 |
| Assets per employee ($millions) | 5.7862% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 5,307 |
| Loan loss allowance to noncurrent loans | 113.4605% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.6286% | 4,897 |
| Noncurrent loans to loans | 1.0215% | 4,161 |
| Net loans and leases to total assets | 60.0444% | 3,597 |
| Net loans and leases to deposits | 68.8905% | 3,851 |
| Net loans and leases to core deposits | 72.2860% | 4,007 |
| Total domestic deposits to total assets | 87.1591% | 2,735 |
| Equity capital to assets | 9.3716% | 5,036 |
| Core capital (leverage) ratio | 9.4216% | 4,227 |
| Tier 1 risk-based capital ratio | 18.3590% | 2,151 |
| Total risk-based capital ratio | 19.6012% | 2,115 |
| Memoranda: | ||
| Average total assets | $306,340,600 | 2,100 |
| Average earning assets | $294,552,400 | 2,005 |
| Average equity | $27,697,200 | 2,426 |
| Average total loans | $188,133,600 | 2,112 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3668% | 4,180 |
| Cost of funding earning assets | 1.2252% | 620 |
| Net interest margin | 3.1416% | 5,838 |
| Noninterest income to average assets | 0.0538% | 6,788 |
| Noninterest expense to average assets | 1.7645% | 6,721 |
| Loan and lease loss provision to assets | 0.2091% | 2,981 |
| Net operating income to assets | 0.7836% | 3,535 |
| Return on assets (ROA) | 0.8473% | 3,477 |
| Pretax return on assets | 1.1893% | 3,028 |
| Return on Equity (ROE) | 9.4597% | 2,611 |
| Retained earnings to average equity (ytd only) | 9.4597% | 1,076 |
| Net charge-offs to loans | 0.0192% | 5,403 |
| Credit loss provision to net charge-offs | 1,770.3704% | 150 |
| Earnings coverage of net charge-offs (x) | 110.8119% | 387 |
| Efficiency ratio | 57.4153% | 5,867 |
| Assets per employee ($millions) | 5.9430% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 5,524 |
| Loan loss allowance to noncurrent loans | 112.1258% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.6378% | 5,080 |
| Noncurrent loans to loans | 1.0245% | 4,404 |
| Net loans and leases to total assets | 61.5387% | 3,471 |
| Net loans and leases to deposits | 68.7501% | 4,063 |
| Net loans and leases to core deposits | 72.2693% | 4,215 |
| Total domestic deposits to total assets | 89.5107% | 1,119 |
| Equity capital to assets | 9.2555% | 5,523 |
| Core capital (leverage) ratio | 9.1560% | 4,822 |
| Tier 1 risk-based capital ratio | 17.7764% | 2,433 |
| Total risk-based capital ratio | 19.0289% | 2,398 |
| Memoranda: | ||
| Average total assets | $304,812,250 | 2,129 |
| Average earning assets | $292,961,500 | 2,037 |
| Average equity | $27,301,000 | 2,480 |
| Average total loans | $187,714,250 | 2,134 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3764% | 4,274 |
| Cost of funding earning assets | 1.2526% | 638 |
| Net interest margin | 3.1237% | 5,934 |
| Noninterest income to average assets | 0.0428% | 6,884 |
| Noninterest expense to average assets | 1.7508% | 6,800 |
| Loan and lease loss provision to assets | 0.1767% | 3,333 |
| Net operating income to assets | 0.7893% | 3,438 |
| Return on assets (ROA) | 0.8174% | 3,575 |
| Pretax return on assets | 1.1549% | 3,096 |
| Return on Equity (ROE) | 9.2307% | 2,699 |
| Retained earnings to average equity (ytd only) | 9.2307% | 1,201 |
| Net charge-offs to loans | 0.0290% | 4,975 |
| Credit loss provision to net charge-offs | 992.5926% | 336 |
| Earnings coverage of net charge-offs (x) | 72.5926% | 554 |
| Efficiency ratio | 57.5390% | 5,926 |
| Assets per employee ($millions) | 5.9852% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 5,927 |
| Loan loss allowance to noncurrent loans | 100.1001% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 5,148 |
| Noncurrent loans to loans | 1.0582% | 4,399 |
| Net loans and leases to total assets | 60.0245% | 3,817 |
| Net loans and leases to deposits | 66.7137% | 4,415 |
| Net loans and leases to core deposits | 70.2288% | 4,512 |
| Total domestic deposits to total assets | 89.9734% | 940 |
| Equity capital to assets | 8.8876% | 5,822 |
| Core capital (leverage) ratio | 9.0260% | 4,873 |
| Tier 1 risk-based capital ratio | 16.6858% | 2,811 |
| Total risk-based capital ratio | 17.8922% | 2,786 |
| Memoranda: | ||
| Average total assets | $303,403,670 | 2,135 |
| Average earning assets | $291,382,330 | 2,040 |
| Average equity | $26,867,000 | 2,493 |
| Average total loans | $186,156,330 | 2,149 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4674% | 4,040 |
| Cost of funding earning assets | 1.2802% | 684 |
| Net interest margin | 3.1873% | 5,815 |
| Noninterest income to average assets | 0.0187% | 7,048 |
| Noninterest expense to average assets | 1.7844% | 6,809 |
| Loan and lease loss provision to assets | 0.0908% | 4,217 |
| Net operating income to assets | 0.8014% | 3,371 |
| Return on assets (ROA) | 0.8014% | 3,605 |
| Pretax return on assets | 1.2061% | 2,889 |
| Return on Equity (ROE) | 9.0669% | 2,796 |
| Retained earnings to average equity (ytd only) | 9.0669% | 1,566 |
| Net charge-offs to loans | 0.0584% | 3,920 |
| Credit loss provision to net charge-offs | 251.8519% | 1,132 |
| Earnings coverage of net charge-offs (x) | 35.9630% | 815 |
| Efficiency ratio | 57.9107% | 5,927 |
| Assets per employee ($millions) | 6.1854% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 6,352 |
| Loan loss allowance to noncurrent loans | 203.3898% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 6,114 |
| Noncurrent loans to loans | 0.4773% | 5,717 |
| Net loans and leases to total assets | 60.5838% | 3,534 |
| Net loans and leases to deposits | 67.3248% | 4,176 |
| Net loans and leases to core deposits | 70.8179% | 4,317 |
| Total domestic deposits to total assets | 89.9873% | 1,093 |
| Equity capital to assets | 8.8750% | 5,668 |
| Core capital (leverage) ratio | 9.0675% | 4,734 |
| Tier 1 risk-based capital ratio | 16.9834% | 2,690 |
| Total risk-based capital ratio | 18.1148% | 2,687 |
| Memoranda: | ||
| Average total assets | $299,490,000 | 2,170 |
| Average earning assets | $287,771,000 | 2,077 |
| Average equity | $26,470,000 | 2,528 |
| Average total loans | $184,827,000 | 2,173 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7499% | 4,031 |
| Cost of funding earning assets | 1.4970% | 728 |
| Net interest margin | 3.2529% | 5,950 |
| Noninterest income to average assets | 0.0664% | 6,766 |
| Noninterest expense to average assets | 1.8261% | 6,925 |
| Loan and lease loss provision to assets | 0.2249% | 3,956 |
| Net operating income to assets | 0.7581% | 3,223 |
| Return on assets (ROA) | 0.8125% | 3,156 |
| Pretax return on assets | 1.2128% | 2,410 |
| Return on Equity (ROE) | 8.9546% | 2,469 |
| Retained earnings to average equity (ytd only) | 8.9546% | 816 |
| Net charge-offs to loans | 0.1479% | 4,962 |
| Credit loss provision to net charge-offs | 232.4627% | 1,044 |
| Earnings coverage of net charge-offs (x) | 14.0224% | 1,493 |
| Efficiency ratio | 57.3778% | 6,132 |
| Assets per employee ($millions) | 6.0387% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9548% | 6,380 |
| Loan loss allowance to noncurrent loans | 271.8702% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 5,938 |
| Noncurrent loans to loans | 0.3512% | 6,024 |
| Net loans and leases to total assets | 61.6687% | 3,667 |
| Net loans and leases to deposits | 68.5317% | 4,361 |
| Net loans and leases to core deposits | 72.1136% | 4,516 |
| Total domestic deposits to total assets | 89.9856% | 1,001 |
| Equity capital to assets | 8.8008% | 5,795 |
| Core capital (leverage) ratio | 9.3197% | 4,297 |
| Tier 1 risk-based capital ratio | 16.8586% | 2,662 |
| Total risk-based capital ratio | 17.9810% | 2,682 |
| Memoranda: | ||
| Average total assets | $277,042,600 | 2,289 |
| Average earning assets | $265,394,400 | 2,203 |
| Average equity | $25,137,800 | 2,565 |
| Average total loans | $181,235,200 | 2,226 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8221% | 3,932 |
| Cost of funding earning assets | 1.5465% | 727 |
| Net interest margin | 3.2756% | 5,932 |
| Noninterest income to average assets | 0.0754% | 6,863 |
| Noninterest expense to average assets | 1.8467% | 6,927 |
| Loan and lease loss provision to assets | 0.1679% | 4,371 |
| Net operating income to assets | 0.8020% | 3,150 |
| Return on assets (ROA) | 0.8548% | 3,075 |
| Pretax return on assets | 1.2764% | 2,375 |
| Return on Equity (ROE) | 9.3447% | 2,445 |
| Retained earnings to average equity (ytd only) | 9.3447% | 1,025 |
| Net charge-offs to loans | 0.1980% | 4,213 |
| Credit loss provision to net charge-offs | 127.9851% | 2,496 |
| Earnings coverage of net charge-offs (x) | 10.4068% | 1,922 |
| Efficiency ratio | 57.4912% | 6,081 |
| Assets per employee ($millions) | 5.6098% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 6,790 |
| Loan loss allowance to noncurrent loans | 1,825.9259% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 6,253 |
| Noncurrent loans to loans | 0.0447% | 6,827 |
| Net loans and leases to total assets | 65.4470% | 3,022 |
| Net loans and leases to deposits | 73.3845% | 3,742 |
| Net loans and leases to core deposits | 77.1545% | 4,026 |
| Total domestic deposits to total assets | 89.1837% | 1,311 |
| Equity capital to assets | 9.3451% | 5,307 |
| Core capital (leverage) ratio | 9.5630% | 4,052 |
| Tier 1 risk-based capital ratio | 17.0883% | 2,610 |
| Total risk-based capital ratio | 18.0636% | 2,687 |
| Memoranda: | ||
| Average total assets | $272,329,750 | 2,339 |
| Average earning assets | $260,791,250 | 2,239 |
| Average equity | $24,912,000 | 2,579 |
| Average total loans | $180,485,750 | 2,260 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8173% | 4,023 |
| Cost of funding earning assets | 1.5678% | 797 |
| Net interest margin | 3.2495% | 6,007 |
| Noninterest income to average assets | 0.0656% | 6,975 |
| Noninterest expense to average assets | 1.7880% | 7,097 |
| Loan and lease loss provision to assets | 0.1842% | 4,078 |
| Net operating income to assets | 0.7966% | 3,099 |
| Return on assets (ROA) | 0.8627% | 2,901 |
| Pretax return on assets | 1.3069% | 2,115 |
| Return on Equity (ROE) | 9.4997% | 2,310 |
| Retained earnings to average equity (ytd only) | 9.4997% | 960 |
| Net charge-offs to loans | 0.2220% | 3,793 |
| Credit loss provision to net charge-offs | 125.0000% | 2,438 |
| Earnings coverage of net charge-offs (x) | 9.4400% | 1,923 |
| Efficiency ratio | 56.2457% | 6,395 |
| Assets per employee ($millions) | 5.6280% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7972% | 6,874 |
| Loan loss allowance to noncurrent loans | 167.8984% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 6,047 |
| Noncurrent loans to loans | 0.4748% | 5,956 |
| Net loans and leases to total assets | 66.9766% | 2,824 |
| Net loans and leases to deposits | 75.1805% | 3,618 |
| Net loans and leases to core deposits | 78.7704% | 3,965 |
| Total domestic deposits to total assets | 89.0877% | 1,485 |
| Equity capital to assets | 9.3683% | 5,044 |
| Core capital (leverage) ratio | 9.3985% | 4,115 |
| Tier 1 risk-based capital ratio | 16.7494% | 2,630 |
| Total risk-based capital ratio | 17.7104% | 2,725 |
| Memoranda: | ||
| Average total assets | $271,479,000 | 2,356 |
| Average earning assets | $260,103,670 | 2,252 |
| Average equity | $24,653,330 | 2,591 |
| Average total loans | $180,187,330 | 2,283 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7930% | 4,088 |
| Cost of funding earning assets | 1.5885% | 850 |
| Net interest margin | 3.2045% | 6,056 |
| Noninterest income to average assets | 0.0985% | 6,924 |
| Noninterest expense to average assets | 1.8020% | 7,137 |
| Loan and lease loss provision to assets | 0.0720% | 5,105 |
| Net operating income to assets | 0.8657% | 2,720 |
| Return on assets (ROA) | 0.8657% | 2,776 |
| Pretax return on assets | 1.2964% | 2,054 |
| Return on Equity (ROE) | 9.6851% | 2,214 |
| Retained earnings to average equity (ytd only) | 9.6851% | 1,184 |
| Net charge-offs to loans | 0.0424% | 4,521 |
| Credit loss provision to net charge-offs | 257.8947% | 1,212 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 589 |
| Efficiency ratio | 56.8382% | 6,402 |
| Assets per employee ($millions) | 5.9682% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7922% | 6,935 |
| Loan loss allowance to noncurrent loans | 140.0391% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 6,247 |
| Noncurrent loans to loans | 0.5657% | 5,893 |
| Net loans and leases to total assets | 66.8628% | 2,799 |
| Net loans and leases to deposits | 74.9760% | 3,594 |
| Net loans and leases to core deposits | 78.1546% | 3,997 |
| Total domestic deposits to total assets | 89.1789% | 1,655 |
| Equity capital to assets | 9.1791% | 4,904 |
| Core capital (leverage) ratio | 9.1976% | 4,290 |
| Tier 1 risk-based capital ratio | 16.4623% | 2,677 |
| Total risk-based capital ratio | 17.4158% | 2,792 |
| Memoranda: | ||
| Average total assets | $272,146,000 | 2,369 |
| Average earning assets | $260,881,000 | 2,263 |
| Average equity | $24,326,000 | 2,613 |
| Average total loans | $179,087,000 | 2,319 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9710% | 4,687 |
| Cost of funding earning assets | 1.8797% | 911 |
| Net interest margin | 3.0913% | 6,542 |
| Noninterest income to average assets | 0.1042% | 6,877 |
| Noninterest expense to average assets | 1.7415% | 7,317 |
| Loan and lease loss provision to assets | 0.0698% | 6,445 |
| Net operating income to assets | 0.8904% | 2,425 |
| Return on assets (ROA) | 0.9217% | 2,433 |
| Pretax return on assets | 1.2947% | 1,938 |
| Return on Equity (ROE) | 10.4515% | 1,776 |
| Retained earnings to average equity (ytd only) | 10.4515% | 444 |
| Net charge-offs to loans | 0.0212% | 6,602 |
| Credit loss provision to net charge-offs | 489.1892% | 466 |
| Earnings coverage of net charge-offs (x) | 92.5135% | 257 |
| Efficiency ratio | 56.8729% | 6,477 |
| Assets per employee ($millions) | 6.5649% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7925% | 6,983 |
| Loan loss allowance to noncurrent loans | 105.8026% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 6,070 |
| Noncurrent loans to loans | 0.7490% | 5,546 |
| Net loans and leases to total assets | 63.7464% | 3,928 |
| Net loans and leases to deposits | 71.1408% | 4,660 |
| Net loans and leases to core deposits | 74.2109% | 4,953 |
| Total domestic deposits to total assets | 89.6059% | 1,321 |
| Equity capital to assets | 8.7044% | 5,580 |
| Core capital (leverage) ratio | 9.0571% | 4,443 |
| Tier 1 risk-based capital ratio | 15.9673% | 2,772 |
| Total risk-based capital ratio | 16.8948% | 2,887 |
| Memoranda: | ||
| Average total assets | $259,205,400 | 2,461 |
| Average earning assets | $248,018,000 | 2,353 |
| Average equity | $22,858,000 | 2,785 |
| Average total loans | $174,473,400 | 2,411 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0467% | 4,602 |
| Cost of funding earning assets | 1.9265% | 945 |
| Net interest margin | 3.1202% | 6,565 |
| Noninterest income to average assets | 0.1040% | 7,027 |
| Noninterest expense to average assets | 1.7532% | 7,389 |
| Loan and lease loss provision to assets | 0.0815% | 6,228 |
| Net operating income to assets | 0.8767% | 2,707 |
| Return on assets (ROA) | 0.9184% | 2,684 |
| Pretax return on assets | 1.3130% | 2,129 |
| Return on Equity (ROE) | 10.3782% | 1,981 |
| Retained earnings to average equity (ytd only) | 10.3782% | 704 |
| Net charge-offs to loans | 0.0399% | 6,156 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 49.1165% | 572 |
| Efficiency ratio | 56.7705% | 6,448 |
| Assets per employee ($millions) | 6.4655% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7719% | 7,061 |
| Loan loss allowance to noncurrent loans | 117.7893% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 6,312 |
| Noncurrent loans to loans | 0.6553% | 5,897 |
| Net loans and leases to total assets | 67.7968% | 3,266 |
| Net loans and leases to deposits | 76.2516% | 4,133 |
| Net loans and leases to core deposits | 78.8502% | 4,692 |
| Total domestic deposits to total assets | 88.9119% | 1,440 |
| Equity capital to assets | 9.0898% | 5,459 |
| Core capital (leverage) ratio | 9.0747% | 4,563 |
| Tier 1 risk-based capital ratio | 16.3852% | 2,603 |
| Total risk-based capital ratio | 17.3347% | 2,672 |
| Memoranda: | ||
| Average total assets | $255,075,750 | 2,537 |
| Average earning assets | $243,955,750 | 2,429 |
| Average equity | $22,572,500 | 2,859 |
| Average total loans | $173,799,750 | 2,465 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0534% | 4,688 |
| Cost of funding earning assets | 1.9615% | 1,011 |
| Net interest margin | 3.0918% | 6,627 |
| Noninterest income to average assets | 0.1040% | 7,081 |
| Noninterest expense to average assets | 1.7527% | 7,452 |
| Loan and lease loss provision to assets | 0.1048% | 5,870 |
| Net operating income to assets | 0.8519% | 2,722 |
| Return on assets (ROA) | 0.9012% | 2,665 |
| Pretax return on assets | 1.2722% | 2,180 |
| Return on Equity (ROE) | 10.2782% | 2,001 |
| Retained earnings to average equity (ytd only) | 10.2782% | 785 |
| Net charge-offs to loans | 0.0602% | 5,551 |
| Credit loss provision to net charge-offs | 255.7692% | 1,495 |
| Earnings coverage of net charge-offs (x) | 31.9231% | 880 |
| Efficiency ratio | 57.2716% | 6,479 |
| Assets per employee ($millions) | 6.6227% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7658% | 7,103 |
| Loan loss allowance to noncurrent loans | 865.1613% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 7,203 |
| Noncurrent loans to loans | 0.0885% | 7,089 |
| Net loans and leases to total assets | 67.2774% | 3,558 |
| Net loans and leases to deposits | 75.9492% | 4,344 |
| Net loans and leases to core deposits | 78.2365% | 4,908 |
| Total domestic deposits to total assets | 88.5820% | 1,687 |
| Equity capital to assets | 8.8417% | 5,683 |
| Core capital (leverage) ratio | 8.9718% | 4,652 |
| Tier 1 risk-based capital ratio | 16.1935% | 2,590 |
| Total risk-based capital ratio | 17.1407% | 2,687 |
| Memoranda: | ||
| Average total assets | $253,894,330 | 2,563 |
| Average earning assets | $242,769,000 | 2,462 |
| Average equity | $22,260,670 | 2,887 |
| Average total loans | $172,833,000 | 2,508 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0796% | 4,631 |
| Cost of funding earning assets | 2.0245% | 1,015 |
| Net interest margin | 3.0551% | 6,703 |
| Noninterest income to average assets | 0.1065% | 7,169 |
| Noninterest expense to average assets | 1.7863% | 7,479 |
| Loan and lease loss provision to assets | 0.1510% | 5,034 |
| Net operating income to assets | 0.7788% | 3,068 |
| Return on assets (ROA) | 0.8645% | 2,783 |
| Pretax return on assets | 1.2110% | 2,327 |
| Return on Equity (ROE) | 9.9033% | 2,136 |
| Retained earnings to average equity (ytd only) | 9.9033% | 1,163 |
| Net charge-offs to loans | 0.0349% | 5,091 |
| Credit loss provision to net charge-offs | 633.3333% | 687 |
| Earnings coverage of net charge-offs (x) | 52.0667% | 554 |
| Efficiency ratio | 59.0026% | 6,340 |
| Assets per employee ($millions) | 6.6431% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7826% | 7,166 |
| Loan loss allowance to noncurrent loans | 864.5161% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 7,330 |
| Noncurrent loans to loans | 0.0905% | 7,168 |
| Net loans and leases to total assets | 67.3017% | 3,550 |
| Net loans and leases to deposits | 76.0289% | 4,411 |
| Net loans and leases to core deposits | 78.3714% | 4,983 |
| Total domestic deposits to total assets | 88.5211% | 1,777 |
| Equity capital to assets | 8.8113% | 5,531 |
| Core capital (leverage) ratio | 8.8400% | 4,807 |
| Tier 1 risk-based capital ratio | 16.0958% | 2,616 |
| Total risk-based capital ratio | 17.0619% | 2,666 |
| Memoranda: | ||
| Average total assets | $251,698,500 | 2,639 |
| Average earning assets | $240,648,500 | 2,530 |
| Average equity | $21,972,500 | 2,950 |
| Average total loans | $171,695,000 | 2,585 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3075% | 5,141 |
| Cost of funding earning assets | 2.5550% | 886 |
| Net interest margin | 2.7525% | 7,138 |
| Noninterest income to average assets | 0.1324% | 7,092 |
| Noninterest expense to average assets | 1.9837% | 7,387 |
| Loan and lease loss provision to assets | 0.1153% | 6,490 |
| Net operating income to assets | 0.4347% | 3,988 |
| Return on assets (ROA) | 0.4987% | 3,833 |
| Pretax return on assets | 0.7608% | 3,375 |
| Return on Equity (ROE) | 5.6121% | 3,375 |
| Retained earnings to average equity (ytd only) | 5.6121% | 1,518 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7972% | 4,292 |
| Assets per employee ($millions) | 6.6042% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7319% | 7,302 |
| Loan loss allowance to noncurrent loans | 461.5385% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 7,217 |
| Noncurrent loans to loans | 0.1586% | 7,031 |
| Net loans and leases to total assets | 68.0968% | 3,685 |
| Net loans and leases to deposits | 77.1037% | 4,541 |
| Net loans and leases to core deposits | 100.0316% | 3,998 |
| Total domestic deposits to total assets | 88.3184% | 1,812 |
| Equity capital to assets | 8.6476% | 5,667 |
| Core capital (leverage) ratio | 8.7540% | 4,829 |
| Tier 1 risk-based capital ratio | 15.5117% | 2,710 |
| Total risk-based capital ratio | 16.4090% | 2,822 |
| Memoranda: | ||
| Average total assets | $234,214,200 | 2,774 |
| Average earning assets | $223,832,800 | 2,665 |
| Average equity | $20,812,000 | 3,093 |
| Average total loans | $163,127,200 | 2,716 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3553% | 5,150 |
| Cost of funding earning assets | 2.6128% | 999 |
| Net interest margin | 2.7426% | 7,146 |
| Noninterest income to average assets | 0.1351% | 7,203 |
| Noninterest expense to average assets | 2.0177% | 7,350 |
| Loan and lease loss provision to assets | 0.1432% | 5,922 |
| Net operating income to assets | 0.3833% | 4,464 |
| Return on assets (ROA) | 0.4608% | 4,262 |
| Pretax return on assets | 0.7164% | 3,800 |
| Return on Equity (ROE) | 5.1481% | 3,902 |
| Retained earnings to average equity (ytd only) | 5.1481% | 2,404 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2072% | 4,013 |
| Assets per employee ($millions) | 6.3894% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7228% | 7,317 |
| Loan loss allowance to noncurrent loans | 594.7115% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 7,334 |
| Noncurrent loans to loans | 0.1215% | 7,171 |
| Net loans and leases to total assets | 69.9773% | 3,521 |
| Net loans and leases to deposits | 80.7396% | 4,246 |
| Net loans and leases to core deposits | 103.9111% | 3,949 |
| Total domestic deposits to total assets | 86.6703% | 2,343 |
| Equity capital to assets | 8.7468% | 5,883 |
| Core capital (leverage) ratio | 8.9362% | 4,756 |
| Tier 1 risk-based capital ratio | 15.5294% | 2,813 |
| Total risk-based capital ratio | 16.4267% | 2,904 |
| Memoranda: | ||
| Average total assets | $230,028,000 | 2,846 |
| Average earning assets | $219,838,000 | 2,724 |
| Average equity | $20,589,500 | 3,158 |
| Average total loans | $160,870,250 | 2,771 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3893% | 5,205 |
| Cost of funding earning assets | 2.6696% | 1,112 |
| Net interest margin | 2.7197% | 7,165 |
| Noninterest income to average assets | 0.1302% | 7,309 |
| Noninterest expense to average assets | 2.0702% | 7,333 |
| Loan and lease loss provision to assets | 0.0399% | 6,835 |
| Net operating income to assets | 0.4021% | 4,507 |
| Return on assets (ROA) | 0.3659% | 4,733 |
| Pretax return on assets | 0.5607% | 4,439 |
| Return on Equity (ROE) | 4.0543% | 4,474 |
| Retained earnings to average equity (ytd only) | 4.0543% | 3,030 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9259% | 3,702 |
| Assets per employee ($millions) | 5.9323% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6465% | 7,550 |
| Loan loss allowance to noncurrent loans | 386.1940% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 7,288 |
| Noncurrent loans to loans | 0.1674% | 7,106 |
| Net loans and leases to total assets | 67.0268% | 4,356 |
| Net loans and leases to deposits | 78.4266% | 4,798 |
| Net loans and leases to core deposits | 100.7168% | 4,436 |
| Total domestic deposits to total assets | 85.4644% | 3,032 |
| Equity capital to assets | 8.7824% | 5,623 |
| Core capital (leverage) ratio | 9.1065% | 4,452 |
| Tier 1 risk-based capital ratio | 15.2746% | 2,891 |
| Total risk-based capital ratio | 16.0265% | 3,045 |
| Memoranda: | ||
| Average total assets | $225,772,000 | 2,908 |
| Average earning assets | $215,539,670 | 2,806 |
| Average equity | $20,373,670 | 3,191 |
| Average total loans | $157,447,330 | 2,870 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5009% | 4,908 |
| Cost of funding earning assets | 2.7381% | 1,149 |
| Net interest margin | 2.7629% | 7,067 |
| Noninterest income to average assets | 0.1200% | 7,420 |
| Noninterest expense to average assets | 1.9763% | 7,407 |
| Loan and lease loss provision to assets | 0.0400% | 6,466 |
| Net operating income to assets | 0.4817% | 4,507 |
| Return on assets (ROA) | 0.4073% | 5,009 |
| Pretax return on assets | 0.6218% | 4,687 |
| Return on Equity (ROE) | 4.4487% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.4487% | 3,447 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7966% | 4,223 |
| Assets per employee ($millions) | 5.7150% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6547% | 7,561 |
| Loan loss allowance to noncurrent loans | 628.5714% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 7,379 |
| Noncurrent loans to loans | 0.1042% | 7,233 |
| Net loans and leases to total assets | 68.8932% | 3,942 |
| Net loans and leases to deposits | 80.6801% | 4,503 |
| Net loans and leases to core deposits | 104.1716% | 4,120 |
| Total domestic deposits to total assets | 85.3906% | 3,018 |
| Equity capital to assets | 9.0630% | 5,279 |
| Core capital (leverage) ratio | 9.5871% | 3,884 |
| Tier 1 risk-based capital ratio | 15.7618% | 2,768 |
| Total risk-based capital ratio | 16.5274% | 2,888 |
| Memoranda: | ||
| Average total assets | $220,011,500 | 2,986 |
| Average earning assets | $209,637,000 | 2,887 |
| Average equity | $20,140,500 | 3,237 |
| Average total loans | $156,128,500 | 2,912 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5369% | 7,212 |
| Cost of funding earning assets | 3.2244% | 1,114 |
| Net interest margin | 2.3126% | 7,903 |
| Noninterest income to average assets | 0.1119% | 7,566 |
| Noninterest expense to average assets | 1.8629% | 7,672 |
| Loan and lease loss provision to assets | 0.0212% | 7,125 |
| Net operating income to assets | 0.3390% | 5,401 |
| Return on assets (ROA) | 0.1881% | 5,706 |
| Pretax return on assets | 0.2422% | 5,645 |
| Return on Equity (ROE) | 2.0725% | 5,595 |
| Retained earnings to average equity (ytd only) | 2.0725% | 3,945 |
| Net charge-offs to loans | -0.0090% | 7,841 |
| Credit loss provision to net charge-offs | -361.5385% | 7,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3033% | 2,552 |
| Assets per employee ($millions) | 5.4285% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6278% | 7,616 |
| Loan loss allowance to noncurrent loans | 614.9068% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 7,192 |
| Noncurrent loans to loans | 0.1021% | 7,108 |
| Net loans and leases to total assets | 72.1671% | 3,543 |
| Net loans and leases to deposits | 87.0659% | 3,937 |
| Net loans and leases to core deposits | 113.0458% | 3,443 |
| Total domestic deposits to total assets | 82.8879% | 3,818 |
| Equity capital to assets | 9.2480% | 5,005 |
| Core capital (leverage) ratio | 9.4998% | 4,017 |
| Tier 1 risk-based capital ratio | 16.1944% | 2,586 |
| Total risk-based capital ratio | 16.9721% | 2,703 |
| Memoranda: | ||
| Average total assets | $221,701,600 | 2,856 |
| Average earning assets | $211,670,000 | 2,751 |
| Average equity | $20,120,400 | 3,213 |
| Average total loans | $144,772,400 | 3,011 |