Home > Arundel Federal Savings Bank > Performance and Condition Ratios
Arundel Federal 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 | 3.7026% | 4,273 |
| Cost of funding earning assets | 1.3971% | 2,239 |
| Net interest margin | 2.3054% | 4,257 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 2.1331% | 3,317 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.1132% | 4,244 |
| Return on assets (ROA) | 0.0903% | 4,287 |
| Pretax return on assets | 0.1200% | 4,259 |
| Return on Equity (ROE) | 0.6500% | 4,293 |
| Retained earnings to average equity (ytd only) | 0.6496% | 3,918 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 92.7058% | 342 |
| Assets per employee ($millions) | 6.1716% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5675% | 4,281 |
| Loan loss allowance to noncurrent loans | 51.5910% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.9358% | 533 |
| Noncurrent loans to loans | 1.1001% | 665 |
| Net loans and leases to total assets | 84.5900% | 234 |
| Net loans and leases to deposits | 112.5128% | 156 |
| Net loans and leases to core deposits | 121.4369% | 581 |
| Total domestic deposits to total assets | 75.1800% | 4,015 |
| Equity capital to assets | 13.7653% | 716 |
| Core capital (leverage) ratio | 14.6941% | 672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $445,081,800 | 1,877 |
| Average earning assets | $430,810,800 | 1,806 |
| Average equity | $61,880,200 | 1,363 |
| Average total loans | $368,552,000 | 1,550 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6291% | 4,284 |
| Cost of funding earning assets | 1.2283% | 2,342 |
| Net interest margin | 2.4008% | 4,229 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 2.1584% | 3,188 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.1682% | 4,266 |
| Return on assets (ROA) | 0.1375% | 4,303 |
| Pretax return on assets | 0.1848% | 4,274 |
| Return on Equity (ROE) | 0.9900% | 4,317 |
| Retained earnings to average equity (ytd only) | 0.9864% | 3,952 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 90.1966% | 367 |
| Assets per employee ($millions) | 6.2824% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5615% | 4,308 |
| Loan loss allowance to noncurrent loans | 54.5110% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8748% | 617 |
| Noncurrent loans to loans | 1.0300% | 781 |
| Net loans and leases to total assets | 84.4600% | 247 |
| Net loans and leases to deposits | 109.8411% | 203 |
| Net loans and leases to core deposits | 118.2740% | 596 |
| Total domestic deposits to total assets | 76.8900% | 3,943 |
| Equity capital to assets | 13.5094% | 722 |
| Core capital (leverage) ratio | 14.8805% | 646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $442,177,250 | 1,883 |
| Average earning assets | $428,015,500 | 1,813 |
| Average equity | $61,633,750 | 1,356 |
| Average total loans | $363,560,000 | 1,561 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5277% | 4,320 |
| Cost of funding earning assets | 1.0628% | 2,409 |
| Net interest margin | 2.4648% | 4,247 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 2.1527% | 3,208 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.2133% | 4,263 |
| Return on assets (ROA) | 0.2133% | 4,287 |
| Pretax return on assets | 0.2885% | 4,240 |
| Return on Equity (ROE) | 1.5100% | 4,324 |
| Retained earnings to average equity (ytd only) | 1.5143% | 3,825 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.5927% | 443 |
| Assets per employee ($millions) | 6.1900% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5858% | 4,316 |
| Loan loss allowance to noncurrent loans | 54.2778% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.8917% | 552 |
| Noncurrent loans to loans | 1.0792% | 675 |
| Net loans and leases to total assets | 82.1400% | 408 |
| Net loans and leases to deposits | 103.7533% | 377 |
| Net loans and leases to core deposits | 111.4760% | 766 |
| Total domestic deposits to total assets | 79.1700% | 3,696 |
| Equity capital to assets | 13.8724% | 664 |
| Core capital (leverage) ratio | 15.1942% | 564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $438,791,000 | 1,888 |
| Average earning assets | $425,097,000 | 1,826 |
| Average equity | $61,809,000 | 1,359 |
| Average total loans | $356,686,000 | 1,572 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4645% | 4,302 |
| Cost of funding earning assets | 0.9121% | 2,333 |
| Net interest margin | 2.5524% | 4,256 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 2.1739% | 3,173 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2683% | 4,290 |
| Return on assets (ROA) | 0.2683% | 4,257 |
| Pretax return on assets | 0.3684% | 4,174 |
| Return on Equity (ROE) | 1.8900% | 4,319 |
| Retained earnings to average equity (ytd only) | 1.8900% | 3,720 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.5078% | 529 |
| Assets per employee ($millions) | 6.3881% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5941% | 4,369 |
| Loan loss allowance to noncurrent loans | 53.1047% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.9061% | 491 |
| Noncurrent loans to loans | 1.1187% | 635 |
| Net loans and leases to total assets | 80.5200% | 492 |
| Net loans and leases to deposits | 99.8543% | 450 |
| Net loans and leases to core deposits | 107.6930% | 766 |
| Total domestic deposits to total assets | 80.6300% | 3,688 |
| Equity capital to assets | 14.0939% | 583 |
| Core capital (leverage) ratio | 15.4325% | 520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $435,345,000 | 1,921 |
| Average earning assets | $421,875,500 | 1,860 |
| Average equity | $61,800,000 | 1,365 |
| Average total loans | $350,912,500 | 1,613 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0836% | 4,021 |
| Cost of funding earning assets | 0.6444% | 739 |
| Net interest margin | 2.4392% | 4,335 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 2.1149% | 3,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2366% | 4,422 |
| Return on assets (ROA) | 0.2366% | 4,397 |
| Pretax return on assets | 0.3219% | 4,361 |
| Return on Equity (ROE) | 1.6600% | 4,417 |
| Retained earnings to average equity (ytd only) | 1.6602% | 4,059 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 86.7898% | 397 |
| Assets per employee ($millions) | 6.7174% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4745% | 4,457 |
| Loan loss allowance to noncurrent loans | 41.4492% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.9181% | 479 |
| Noncurrent loans to loans | 1.1447% | 621 |
| Net loans and leases to total assets | 79.8200% | 614 |
| Net loans and leases to deposits | 95.7698% | 659 |
| Net loans and leases to core deposits | 102.1494% | 887 |
| Total domestic deposits to total assets | 83.3500% | 3,346 |
| Equity capital to assets | 14.2999% | 543 |
| Core capital (leverage) ratio | 15.3521% | 521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $442,051,800 | 1,880 |
| Average earning assets | $429,686,800 | 1,822 |
| Average equity | $63,002,800 | 1,345 |
| Average total loans | $332,992,400 | 1,595 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9901% | 3,903 |
| Cost of funding earning assets | 0.6285% | 377 |
| Net interest margin | 2.3616% | 4,363 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 2.0475% | 3,359 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2328% | 4,443 |
| Return on assets (ROA) | 0.2328% | 4,407 |
| Pretax return on assets | 0.3157% | 4,360 |
| Return on Equity (ROE) | 1.6300% | 4,440 |
| Retained earnings to average equity (ytd only) | 1.6344% | 4,107 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.6396% | 438 |
| Assets per employee ($millions) | 6.1699% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4785% | 4,491 |
| Loan loss allowance to noncurrent loans | 41.2610% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.9051% | 527 |
| Noncurrent loans to loans | 1.1598% | 635 |
| Net loans and leases to total assets | 77.6700% | 735 |
| Net loans and leases to deposits | 92.7782% | 717 |
| Net loans and leases to core deposits | 98.2098% | 890 |
| Total domestic deposits to total assets | 83.7100% | 3,558 |
| Equity capital to assets | 13.8249% | 581 |
| Core capital (leverage) ratio | 15.0864% | 542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $445,087,000 | 1,880 |
| Average earning assets | $432,972,750 | 1,815 |
| Average equity | $63,384,250 | 1,361 |
| Average total loans | $330,039,000 | 1,600 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8815% | 3,827 |
| Cost of funding earning assets | 0.6404% | 220 |
| Net interest margin | 2.2411% | 4,391 |
| Noninterest income to average assets | 0.0644% | 4,598 |
| Noninterest expense to average assets | 2.0245% | 3,371 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1672% | 4,464 |
| Return on assets (ROA) | 0.1672% | 4,427 |
| Pretax return on assets | 0.2235% | 4,384 |
| Return on Equity (ROE) | 1.1628% | 4,444 |
| Retained earnings to average equity (ytd only) | 1.1628% | 3,955 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0577% | 401 |
| Assets per employee ($millions) | 6.4356% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4927% | 4,557 |
| Loan loss allowance to noncurrent loans | 41.1365% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 0.8956% | 562 |
| Noncurrent loans to loans | 1.1977% | 666 |
| Net loans and leases to total assets | 74.4123% | 873 |
| Net loans and leases to deposits | 88.9628% | 778 |
| Net loans and leases to core deposits | 93.8207% | 923 |
| Total domestic deposits to total assets | 83.6443% | 3,761 |
| Equity capital to assets | 14.0753% | 503 |
| Core capital (leverage) ratio | 14.9291% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,427,333 | 1,881 |
| Average earning assets | $435,952,333 | 1,825 |
| Average equity | $64,325,000 | 1,372 |
| Average total loans | $326,093,000 | 1,611 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8175% | 3,717 |
| Cost of funding earning assets | 0.6681% | 184 |
| Net interest margin | 2.1494% | 4,400 |
| Noninterest income to average assets | 0.0623% | 4,629 |
| Noninterest expense to average assets | 2.0111% | 3,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1078% | 4,459 |
| Return on assets (ROA) | 0.1078% | 4,430 |
| Pretax return on assets | 0.1487% | 4,392 |
| Return on Equity (ROE) | 0.7419% | 4,455 |
| Retained earnings to average equity (ytd only) | 0.7419% | 3,870 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1134% | 417 |
| Assets per employee ($millions) | 6.8287% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5087% | 4,580 |
| Loan loss allowance to noncurrent loans | 45.3437% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.8005% | 693 |
| Noncurrent loans to loans | 1.1218% | 794 |
| Net loans and leases to total assets | 70.9990% | 922 |
| Net loans and leases to deposits | 85.3819% | 782 |
| Net loans and leases to core deposits | 89.9293% | 927 |
| Total domestic deposits to total assets | 83.1547% | 3,922 |
| Equity capital to assets | 14.1479% | 505 |
| Core capital (leverage) ratio | 14.9406% | 439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $449,114,500 | 1,888 |
| Average earning assets | $438,265,000 | 1,832 |
| Average equity | $65,236,500 | 1,400 |
| Average total loans | $323,106,500 | 1,609 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0660% | 3,750 |
| Cost of funding earning assets | 0.8662% | 143 |
| Net interest margin | 2.1998% | 4,487 |
| Noninterest income to average assets | 0.0955% | 4,626 |
| Noninterest expense to average assets | 2.0356% | 3,565 |
| Loan and lease loss provision to assets | 0.0091% | 2,895 |
| Net operating income to assets | 0.1537% | 4,575 |
| Return on assets (ROA) | 0.1537% | 4,590 |
| Pretax return on assets | 0.2061% | 4,571 |
| Return on Equity (ROE) | 1.0284% | 4,608 |
| Retained earnings to average equity (ytd only) | 1.0284% | 4,251 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4370% | 316 |
| Assets per employee ($millions) | 6.4860% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5040% | 4,623 |
| Loan loss allowance to noncurrent loans | 39.2326% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 0.9318% | 616 |
| Noncurrent loans to loans | 1.2847% | 743 |
| Net loans and leases to total assets | 72.1626% | 831 |
| Net loans and leases to deposits | 86.3889% | 758 |
| Net loans and leases to core deposits | 91.0665% | 924 |
| Total domestic deposits to total assets | 83.5322% | 3,683 |
| Equity capital to assets | 14.9059% | 505 |
| Core capital (leverage) ratio | 14.8679% | 480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $448,318,800 | 1,841 |
| Average earning assets | $439,267,600 | 1,770 |
| Average equity | $66,997,200 | 1,395 |
| Average total loans | $329,915,200 | 1,591 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1352% | 3,737 |
| Cost of funding earning assets | 0.8951% | 153 |
| Net interest margin | 2.2401% | 4,534 |
| Noninterest income to average assets | 0.0999% | 4,666 |
| Noninterest expense to average assets | 2.0518% | 3,514 |
| Loan and lease loss provision to assets | 0.0123% | 2,746 |
| Net operating income to assets | 0.1718% | 4,649 |
| Return on assets (ROA) | 0.1718% | 4,667 |
| Pretax return on assets | 0.2292% | 4,653 |
| Return on Equity (ROE) | 1.1490% | 4,681 |
| Retained earnings to average equity (ytd only) | 1.1490% | 4,381 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4737% | 337 |
| Assets per employee ($millions) | 6.3746% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4971% | 4,708 |
| Loan loss allowance to noncurrent loans | 38.3947% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 0.9415% | 715 |
| Noncurrent loans to loans | 1.2946% | 837 |
| Net loans and leases to total assets | 72.3591% | 839 |
| Net loans and leases to deposits | 87.3100% | 750 |
| Net loans and leases to core deposits | 92.0084% | 924 |
| Total domestic deposits to total assets | 82.8760% | 3,741 |
| Equity capital to assets | 14.8102% | 568 |
| Core capital (leverage) ratio | 14.8485% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $448,515,000 | 1,861 |
| Average earning assets | $439,134,750 | 1,789 |
| Average equity | $67,069,250 | 1,408 |
| Average total loans | $331,247,000 | 1,616 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2534% | 3,554 |
| Cost of funding earning assets | 0.9139% | 174 |
| Net interest margin | 2.3394% | 4,476 |
| Noninterest income to average assets | 0.1176% | 4,612 |
| Noninterest expense to average assets | 2.0821% | 3,445 |
| Loan and lease loss provision to assets | 0.0183% | 2,592 |
| Net operating income to assets | 0.2348% | 4,600 |
| Return on assets (ROA) | 0.2348% | 4,612 |
| Pretax return on assets | 0.3104% | 4,575 |
| Return on Equity (ROE) | 1.5652% | 4,642 |
| Retained earnings to average equity (ytd only) | 1.5652% | 4,227 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3636% | 459 |
| Assets per employee ($millions) | 6.6374% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4958% | 4,739 |
| Loan loss allowance to noncurrent loans | 39.8441% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 0.9097% | 851 |
| Noncurrent loans to loans | 1.2444% | 961 |
| Net loans and leases to total assets | 72.7423% | 879 |
| Net loans and leases to deposits | 87.1897% | 834 |
| Net loans and leases to core deposits | 91.7879% | 1,018 |
| Total domestic deposits to total assets | 83.4299% | 3,598 |
| Equity capital to assets | 14.9044% | 542 |
| Core capital (leverage) ratio | 14.8730% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,155,333 | 1,854 |
| Average earning assets | $438,317,333 | 1,793 |
| Average equity | $67,082,333 | 1,402 |
| Average total loans | $331,953,000 | 1,619 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9274% | 4,218 |
| Cost of funding earning assets | 0.9373% | 186 |
| Net interest margin | 1.9901% | 4,737 |
| Noninterest income to average assets | 0.1339% | 4,536 |
| Noninterest expense to average assets | 1.9862% | 3,764 |
| Loan and lease loss provision to assets | 0.0368% | 2,283 |
| Net operating income to assets | 0.0440% | 4,758 |
| Return on assets (ROA) | 0.0440% | 4,764 |
| Pretax return on assets | 0.0611% | 4,754 |
| Return on Equity (ROE) | 0.2926% | 4,766 |
| Retained earnings to average equity (ytd only) | 0.2926% | 4,332 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2997% | 261 |
| Assets per employee ($millions) | 6.4090% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4932% | 4,777 |
| Loan loss allowance to noncurrent loans | 24.6237% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.4810% | 433 |
| Noncurrent loans to loans | 2.0029% | 539 |
| Net loans and leases to total assets | 73.5756% | 851 |
| Net loans and leases to deposits | 88.0228% | 826 |
| Net loans and leases to core deposits | 92.3857% | 1,093 |
| Total domestic deposits to total assets | 83.5869% | 3,549 |
| Equity capital to assets | 14.8343% | 521 |
| Core capital (leverage) ratio | 14.9708% | 484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $445,061,000 | 1,858 |
| Average earning assets | $436,158,000 | 1,789 |
| Average equity | $66,988,500 | 1,396 |
| Average total loans | $332,952,500 | 1,621 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1659% | 4,494 |
| Cost of funding earning assets | 1.1415% | 348 |
| Net interest margin | 2.0243% | 4,819 |
| Noninterest income to average assets | 0.1290% | 4,632 |
| Noninterest expense to average assets | 2.0618% | 4,019 |
| Loan and lease loss provision to assets | -0.0369% | 4,926 |
| Net operating income to assets | 0.0696% | 4,688 |
| Return on assets (ROA) | 0.0696% | 4,721 |
| Pretax return on assets | 0.0873% | 4,712 |
| Return on Equity (ROE) | 0.4501% | 4,731 |
| Retained earnings to average equity (ytd only) | 0.4501% | 4,380 |
| Net charge-offs to loans | -0.0936% | 4,801 |
| Credit loss provision to net charge-offs | 51.4469% | 3,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6107% | 209 |
| Assets per employee ($millions) | 6.1318% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4773% | 4,806 |
| Loan loss allowance to noncurrent loans | 23.9059% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.5112% | 479 |
| Noncurrent loans to loans | 1.9965% | 579 |
| Net loans and leases to total assets | 75.3336% | 860 |
| Net loans and leases to deposits | 90.6119% | 879 |
| Net loans and leases to core deposits | 95.1851% | 1,172 |
| Total domestic deposits to total assets | 83.1388% | 3,368 |
| Equity capital to assets | 15.2723% | 527 |
| Core capital (leverage) ratio | 15.0544% | 501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $433,947,800 | 1,748 |
| Average earning assets | $425,127,200 | 1,678 |
| Average equity | $67,092,800 | 1,341 |
| Average total loans | $332,372,800 | 1,568 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2127% | 4,576 |
| Cost of funding earning assets | 1.1815% | 398 |
| Net interest margin | 2.0312% | 4,879 |
| Noninterest income to average assets | 0.1259% | 4,663 |
| Noninterest expense to average assets | 2.0531% | 4,039 |
| Loan and lease loss provision to assets | -0.0433% | 4,981 |
| Net operating income to assets | 0.0849% | 4,717 |
| Return on assets (ROA) | 0.0849% | 4,742 |
| Pretax return on assets | 0.1055% | 4,726 |
| Return on Equity (ROE) | 0.5472% | 4,749 |
| Retained earnings to average equity (ytd only) | 0.5472% | 4,377 |
| Net charge-offs to loans | -0.1105% | 4,838 |
| Credit loss provision to net charge-offs | 50.9091% | 2,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0532% | 205 |
| Assets per employee ($millions) | 6.0807% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4715% | 4,839 |
| Loan loss allowance to noncurrent loans | 21.4626% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.6574% | 484 |
| Noncurrent loans to loans | 2.1969% | 527 |
| Net loans and leases to total assets | 75.0866% | 1,227 |
| Net loans and leases to deposits | 90.2475% | 1,239 |
| Net loans and leases to core deposits | 94.7317% | 1,574 |
| Total domestic deposits to total assets | 83.2007% | 3,089 |
| Equity capital to assets | 15.1843% | 593 |
| Core capital (leverage) ratio | 15.1183% | 523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $432,061,750 | 1,735 |
| Average earning assets | $423,186,000 | 1,662 |
| Average equity | $67,009,500 | 1,324 |
| Average total loans | $331,919,250 | 1,570 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2799% | 4,666 |
| Cost of funding earning assets | 1.2242% | 469 |
| Net interest margin | 2.0556% | 4,932 |
| Noninterest income to average assets | 0.1173% | 4,711 |
| Noninterest expense to average assets | 2.0751% | 4,084 |
| Loan and lease loss provision to assets | -0.0654% | 5,023 |
| Net operating income to assets | 0.1009% | 4,688 |
| Return on assets (ROA) | 0.1009% | 4,718 |
| Pretax return on assets | 0.1219% | 4,705 |
| Return on Equity (ROE) | 0.6459% | 4,730 |
| Retained earnings to average equity (ytd only) | 0.6459% | 4,173 |
| Net charge-offs to loans | -0.1662% | 4,918 |
| Credit loss provision to net charge-offs | 50.9091% | 2,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3482% | 218 |
| Assets per employee ($millions) | 6.0326% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4754% | 4,855 |
| Loan loss allowance to noncurrent loans | 21.0871% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.7240% | 482 |
| Noncurrent loans to loans | 2.2545% | 550 |
| Net loans and leases to total assets | 76.1054% | 1,124 |
| Net loans and leases to deposits | 91.8896% | 1,175 |
| Net loans and leases to core deposits | 96.4471% | 1,542 |
| Total domestic deposits to total assets | 82.8226% | 3,134 |
| Equity capital to assets | 15.5121% | 537 |
| Core capital (leverage) ratio | 15.3522% | 521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $428,118,000 | 1,721 |
| Average earning assets | $419,531,000 | 1,649 |
| Average equity | $66,878,667 | 1,319 |
| Average total loans | $330,931,333 | 1,553 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4306% | 4,707 |
| Cost of funding earning assets | 1.2652% | 625 |
| Net interest margin | 2.1654% | 4,975 |
| Noninterest income to average assets | 0.1026% | 4,818 |
| Noninterest expense to average assets | 2.1233% | 4,173 |
| Loan and lease loss provision to assets | -0.1318% | 5,079 |
| Net operating income to assets | 0.1694% | 4,574 |
| Return on assets (ROA) | 0.1694% | 4,578 |
| Pretax return on assets | 0.2325% | 4,535 |
| Return on Equity (ROE) | 1.0806% | 4,618 |
| Retained earnings to average equity (ytd only) | 1.0806% | 3,720 |
| Net charge-offs to loans | -0.2991% | 4,978 |
| Credit loss provision to net charge-offs | 56.6802% | 2,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4719% | 339 |
| Assets per employee ($millions) | 5.7540% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4666% | 4,900 |
| Loan loss allowance to noncurrent loans | 19.8795% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.8323% | 486 |
| Noncurrent loans to loans | 2.3472% | 532 |
| Net loans and leases to total assets | 77.6990% | 1,024 |
| Net loans and leases to deposits | 94.0710% | 1,072 |
| Net loans and leases to core deposits | 98.9183% | 1,562 |
| Total domestic deposits to total assets | 82.5962% | 3,236 |
| Equity capital to assets | 15.7657% | 620 |
| Core capital (leverage) ratio | 15.5777% | 585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $425,004,500 | 1,694 |
| Average earning assets | $416,372,000 | 1,611 |
| Average equity | $66,630,000 | 1,316 |
| Average total loans | $330,327,500 | 1,523 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5466% | 4,823 |
| Cost of funding earning assets | 1.2622% | 860 |
| Net interest margin | 2.2844% | 5,039 |
| Noninterest income to average assets | 0.1027% | 4,919 |
| Noninterest expense to average assets | 2.1033% | 4,361 |
| Loan and lease loss provision to assets | 0.0266% | 3,481 |
| Net operating income to assets | 0.1548% | 4,881 |
| Return on assets (ROA) | 0.1667% | 4,895 |
| Pretax return on assets | 0.2242% | 4,870 |
| Return on Equity (ROE) | 1.1005% | 4,904 |
| Retained earnings to average equity (ytd only) | 1.1005% | 4,356 |
| Net charge-offs to loans | 0.0072% | 3,420 |
| Credit loss provision to net charge-offs | 479.1667% | 606 |
| Earnings coverage of net charge-offs (x) | 42.5417% | 1,258 |
| Efficiency ratio | 89.9220% | 356 |
| Assets per employee ($millions) | 5.4386% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4399% | 4,956 |
| Loan loss allowance to noncurrent loans | 18.4301% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.8470% | 459 |
| Noncurrent loans to loans | 2.3868% | 480 |
| Net loans and leases to total assets | 77.0416% | 1,256 |
| Net loans and leases to deposits | 93.1514% | 1,238 |
| Net loans and leases to core deposits | 97.8503% | 1,742 |
| Total domestic deposits to total assets | 82.7058% | 3,302 |
| Equity capital to assets | 15.5889% | 674 |
| Core capital (leverage) ratio | 15.3959% | 607 |
| Tier 1 risk-based capital ratio | 31.8089% | 424 |
| Total risk-based capital ratio | 32.5045% | 432 |
| Memoranda: | ||
| Average total assets | $433,124,400 | 1,614 |
| Average earning assets | $424,009,400 | 1,529 |
| Average equity | $65,608,400 | 1,286 |
| Average total loans | $335,436,600 | 1,477 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5679% | 4,909 |
| Cost of funding earning assets | 1.2413% | 933 |
| Net interest margin | 2.3265% | 5,122 |
| Noninterest income to average assets | 0.0949% | 5,007 |
| Noninterest expense to average assets | 2.0887% | 4,383 |
| Loan and lease loss provision to assets | 0.0352% | 3,191 |
| Net operating income to assets | 0.1843% | 4,962 |
| Return on assets (ROA) | 0.2000% | 4,970 |
| Pretax return on assets | 0.2686% | 4,926 |
| Return on Equity (ROE) | 1.3297% | 4,986 |
| Retained earnings to average equity (ytd only) | 1.3297% | 4,483 |
| Net charge-offs to loans | 0.0210% | 2,694 |
| Credit loss provision to net charge-offs | 216.9811% | 1,233 |
| Earnings coverage of net charge-offs (x) | 17.4918% | 2,088 |
| Efficiency ratio | 88.0341% | 396 |
| Assets per employee ($millions) | 5.8284% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4254% | 5,042 |
| Loan loss allowance to noncurrent loans | 19.1423% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 1.7139% | 592 |
| Noncurrent loans to loans | 2.2225% | 564 |
| Net loans and leases to total assets | 76.7878% | 1,347 |
| Net loans and leases to deposits | 92.5571% | 1,369 |
| Net loans and leases to core deposits | 97.4538% | 1,858 |
| Total domestic deposits to total assets | 82.9626% | 3,183 |
| Equity capital to assets | 15.3334% | 767 |
| Core capital (leverage) ratio | 15.1850% | 697 |
| Tier 1 risk-based capital ratio | 31.3997% | 440 |
| Total risk-based capital ratio | 32.0734% | 450 |
| Memoranda: | ||
| Average total assets | $435,352,750 | 1,620 |
| Average earning assets | $426,200,000 | 1,532 |
| Average equity | $65,478,000 | 1,290 |
| Average total loans | $337,230,000 | 1,479 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5717% | 4,956 |
| Cost of funding earning assets | 1.2134% | 952 |
| Net interest margin | 2.3584% | 5,178 |
| Noninterest income to average assets | 0.0866% | 5,085 |
| Noninterest expense to average assets | 2.0701% | 4,467 |
| Loan and lease loss provision to assets | 0.0527% | 2,766 |
| Net operating income to assets | 0.2023% | 4,994 |
| Return on assets (ROA) | 0.2258% | 4,978 |
| Pretax return on assets | 0.3018% | 4,933 |
| Return on Equity (ROE) | 1.5109% | 5,001 |
| Retained earnings to average equity (ytd only) | 1.5109% | 4,286 |
| Net charge-offs to loans | 0.0213% | 2,429 |
| Credit loss provision to net charge-offs | 319.4444% | 860 |
| Earnings coverage of net charge-offs (x) | 19.6944% | 1,810 |
| Efficiency ratio | 86.4410% | 521 |
| Assets per employee ($millions) | 5.6090% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4239% | 5,087 |
| Loan loss allowance to noncurrent loans | 17.7800% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 1.8409% | 534 |
| Noncurrent loans to loans | 2.3843% | 525 |
| Net loans and leases to total assets | 76.8829% | 1,405 |
| Net loans and leases to deposits | 92.3015% | 1,455 |
| Net loans and leases to core deposits | 96.9218% | 1,983 |
| Total domestic deposits to total assets | 83.2954% | 3,117 |
| Equity capital to assets | 15.0653% | 791 |
| Core capital (leverage) ratio | 15.0527% | 695 |
| Tier 1 risk-based capital ratio | 30.8027% | 460 |
| Total risk-based capital ratio | 31.4731% | 469 |
| Memoranda: | ||
| Average total assets | $436,704,000 | 1,605 |
| Average earning assets | $427,410,000 | 1,534 |
| Average equity | $65,259,670 | 1,285 |
| Average total loans | $338,773,330 | 1,478 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5530% | 4,998 |
| Cost of funding earning assets | 1.1797% | 955 |
| Net interest margin | 2.3734% | 5,234 |
| Noninterest income to average assets | 0.0816% | 5,140 |
| Noninterest expense to average assets | 2.0839% | 4,485 |
| Loan and lease loss provision to assets | 0.0532% | 2,599 |
| Net operating income to assets | 0.1849% | 5,020 |
| Return on assets (ROA) | 0.2319% | 4,988 |
| Pretax return on assets | 0.3264% | 4,928 |
| Return on Equity (ROE) | 1.5585% | 5,018 |
| Retained earnings to average equity (ytd only) | 1.5585% | 4,184 |
| Net charge-offs to loans | 0.0248% | 1,953 |
| Credit loss provision to net charge-offs | 276.1905% | 868 |
| Earnings coverage of net charge-offs (x) | 16.6190% | 1,692 |
| Efficiency ratio | 86.6895% | 536 |
| Assets per employee ($millions) | 5.8348% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4097% | 5,164 |
| Loan loss allowance to noncurrent loans | 17.7228% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 1.7922% | 592 |
| Noncurrent loans to loans | 2.3119% | 589 |
| Net loans and leases to total assets | 77.2047% | 1,290 |
| Net loans and leases to deposits | 92.5105% | 1,337 |
| Net loans and leases to core deposits | 97.3146% | 1,830 |
| Total domestic deposits to total assets | 83.4551% | 3,234 |
| Equity capital to assets | 14.9131% | 771 |
| Core capital (leverage) ratio | 15.0317% | 688 |
| Tier 1 risk-based capital ratio | 30.6400% | 453 |
| Total risk-based capital ratio | 31.2896% | 464 |
| Memoranda: | ||
| Average total assets | $436,304,500 | 1,609 |
| Average earning assets | $426,906,000 | 1,542 |
| Average equity | $64,934,000 | 1,283 |
| Average total loans | $339,261,500 | 1,483 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4901% | 4,929 |
| Cost of funding earning assets | 0.9446% | 946 |
| Net interest margin | 2.5455% | 5,189 |
| Noninterest income to average assets | 0.0759% | 5,215 |
| Noninterest expense to average assets | 2.0830% | 4,604 |
| Loan and lease loss provision to assets | 0.0449% | 3,283 |
| Net operating income to assets | 0.3188% | 4,983 |
| Return on assets (ROA) | 0.3092% | 4,985 |
| Pretax return on assets | 0.4226% | 4,919 |
| Return on Equity (ROE) | 2.1040% | 5,035 |
| Retained earnings to average equity (ytd only) | 2.1040% | 4,317 |
| Net charge-offs to loans | 0.0291% | 2,818 |
| Credit loss provision to net charge-offs | 198.9796% | 1,449 |
| Earnings coverage of net charge-offs (x) | 21.2755% | 1,951 |
| Efficiency ratio | 81.2820% | 862 |
| Assets per employee ($millions) | 5.7237% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3988% | 5,216 |
| Loan loss allowance to noncurrent loans | 16.9676% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 1.8361% | 554 |
| Noncurrent loans to loans | 2.3503% | 536 |
| Net loans and leases to total assets | 77.6840% | 1,323 |
| Net loans and leases to deposits | 93.0897% | 1,391 |
| Net loans and leases to core deposits | 97.3699% | 1,932 |
| Total domestic deposits to total assets | 83.4506% | 3,175 |
| Equity capital to assets | 14.8521% | 742 |
| Core capital (leverage) ratio | 15.0174% | 688 |
| Tier 1 risk-based capital ratio | 30.7090% | 441 |
| Total risk-based capital ratio | 31.3505% | 464 |
| Memoranda: | ||
| Average total assets | $434,671,400 | 1,578 |
| Average earning assets | $424,632,800 | 1,513 |
| Average equity | $63,879,000 | 1,254 |
| Average total loans | $337,138,400 | 1,453 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4819% | 4,945 |
| Cost of funding earning assets | 0.8889% | 966 |
| Net interest margin | 2.5930% | 5,222 |
| Noninterest income to average assets | 0.0758% | 5,281 |
| Noninterest expense to average assets | 2.0448% | 4,656 |
| Loan and lease loss provision to assets | 0.0506% | 2,976 |
| Net operating income to assets | 0.3767% | 4,992 |
| Return on assets (ROA) | 0.3639% | 5,004 |
| Pretax return on assets | 0.4967% | 4,908 |
| Return on Equity (ROE) | 2.4825% | 5,072 |
| Retained earnings to average equity (ytd only) | 2.4825% | 4,406 |
| Net charge-offs to loans | 0.0032% | 3,358 |
| Credit loss provision to net charge-offs | 2,062.5000% | 201 |
| Earnings coverage of net charge-offs (x) | 229.5473% | 400 |
| Efficiency ratio | 78.3933% | 1,081 |
| Assets per employee ($millions) | 5.7098% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4162% | 5,270 |
| Loan loss allowance to noncurrent loans | 17.2338% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 1.8924% | 590 |
| Noncurrent loans to loans | 2.4148% | 551 |
| Net loans and leases to total assets | 77.9178% | 1,355 |
| Net loans and leases to deposits | 93.2012% | 1,477 |
| Net loans and leases to core deposits | 97.2445% | 1,993 |
| Total domestic deposits to total assets | 83.6018% | 3,084 |
| Equity capital to assets | 14.7114% | 778 |
| Core capital (leverage) ratio | 15.0950% | 683 |
| Tier 1 risk-based capital ratio | 30.6430% | 451 |
| Total risk-based capital ratio | 31.3146% | 464 |
| Memoranda: | ||
| Average total assets | $434,589,000 | 1,589 |
| Average earning assets | $424,470,000 | 1,526 |
| Average equity | $63,697,000 | 1,252 |
| Average total loans | $336,603,250 | 1,457 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4645% | 4,961 |
| Cost of funding earning assets | 0.8441% | 945 |
| Net interest margin | 2.6204% | 5,263 |
| Noninterest income to average assets | 0.0759% | 5,335 |
| Noninterest expense to average assets | 2.0290% | 4,751 |
| Loan and lease loss provision to assets | 0.0690% | 2,499 |
| Net operating income to assets | 0.3969% | 4,965 |
| Return on assets (ROA) | 0.3776% | 5,007 |
| Pretax return on assets | 0.5138% | 4,878 |
| Return on Equity (ROE) | 2.5797% | 5,086 |
| Retained earnings to average equity (ytd only) | 2.5797% | 4,226 |
| Net charge-offs to loans | 0.0048% | 3,003 |
| Credit loss provision to net charge-offs | 1,875.0000% | 224 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 480 |
| Efficiency ratio | 76.9674% | 1,322 |
| Assets per employee ($millions) | 6.0206% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4086% | 5,350 |
| Loan loss allowance to noncurrent loans | 17.5034% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 1.8455% | 618 |
| Noncurrent loans to loans | 2.3343% | 580 |
| Net loans and leases to total assets | 78.6088% | 1,229 |
| Net loans and leases to deposits | 92.6962% | 1,508 |
| Net loans and leases to core deposits | 96.4809% | 2,015 |
| Total domestic deposits to total assets | 84.8026% | 2,750 |
| Equity capital to assets | 14.6823% | 766 |
| Core capital (leverage) ratio | 14.9344% | 685 |
| Tier 1 risk-based capital ratio | 29.9475% | 479 |
| Total risk-based capital ratio | 30.6021% | 495 |
| Memoranda: | ||
| Average total assets | $434,804,330 | 1,596 |
| Average earning assets | $424,827,000 | 1,530 |
| Average equity | $63,649,670 | 1,258 |
| Average total loans | $335,627,000 | 1,459 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4614% | 4,934 |
| Cost of funding earning assets | 0.8162% | 894 |
| Net interest margin | 2.6451% | 5,292 |
| Noninterest income to average assets | 0.0735% | 5,418 |
| Noninterest expense to average assets | 2.0273% | 4,797 |
| Loan and lease loss provision to assets | 0.0689% | 2,386 |
| Net operating income to assets | 0.4197% | 4,887 |
| Return on assets (ROA) | 0.3812% | 4,969 |
| Pretax return on assets | 0.5126% | 4,851 |
| Return on Equity (ROE) | 2.6079% | 5,096 |
| Retained earnings to average equity (ytd only) | 2.6079% | 4,136 |
| Net charge-offs to loans | 0.0096% | 2,401 |
| Credit loss provision to net charge-offs | 937.5000% | 363 |
| Earnings coverage of net charge-offs (x) | 85.7500% | 672 |
| Efficiency ratio | 76.2876% | 1,556 |
| Assets per employee ($millions) | 5.8693% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3927% | 5,434 |
| Loan loss allowance to noncurrent loans | 16.6290% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 1.8348% | 659 |
| Noncurrent loans to loans | 2.3618% | 600 |
| Net loans and leases to total assets | 77.2542% | 1,351 |
| Net loans and leases to deposits | 91.0639% | 1,550 |
| Net loans and leases to core deposits | 94.6353% | 2,086 |
| Total domestic deposits to total assets | 84.8352% | 2,997 |
| Equity capital to assets | 14.6130% | 750 |
| Core capital (leverage) ratio | 14.8023% | 689 |
| Tier 1 risk-based capital ratio | 29.9758% | 474 |
| Total risk-based capital ratio | 30.5919% | 492 |
| Memoranda: | ||
| Average total assets | $435,466,000 | 1,607 |
| Average earning assets | $425,383,000 | 1,536 |
| Average equity | $63,652,000 | 1,262 |
| Average total loans | $332,364,500 | 1,478 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3303% | 5,045 |
| Cost of funding earning assets | 0.8119% | 584 |
| Net interest margin | 2.5184% | 5,398 |
| Noninterest income to average assets | 0.0790% | 5,463 |
| Noninterest expense to average assets | 1.9828% | 4,986 |
| Loan and lease loss provision to assets | 0.0788% | 2,620 |
| Net operating income to assets | 0.1889% | 5,133 |
| Return on assets (ROA) | 0.2052% | 5,115 |
| Pretax return on assets | 0.5045% | 4,925 |
| Return on Equity (ROE) | 1.4318% | 5,163 |
| Retained earnings to average equity (ytd only) | 1.4318% | 4,430 |
| Net charge-offs to loans | 0.0419% | 2,945 |
| Credit loss provision to net charge-offs | 265.1515% | 1,059 |
| Earnings coverage of net charge-offs (x) | 18.7803% | 2,060 |
| Efficiency ratio | 78.0445% | 1,343 |
| Assets per employee ($millions) | 6.0640% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3831% | 5,502 |
| Loan loss allowance to noncurrent loans | 25.9880% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 1.1124% | 1,355 |
| Noncurrent loans to loans | 1.4741% | 1,160 |
| Net loans and leases to total assets | 74.8077% | 1,791 |
| Net loans and leases to deposits | 88.1742% | 2,002 |
| Net loans and leases to core deposits | 91.6053% | 2,405 |
| Total domestic deposits to total assets | 84.8408% | 2,897 |
| Equity capital to assets | 14.6210% | 751 |
| Core capital (leverage) ratio | 14.5309% | 727 |
| Tier 1 risk-based capital ratio | 30.1525% | 457 |
| Total risk-based capital ratio | 30.7594% | 474 |
| Memoranda: | ||
| Average total assets | $444,416,200 | 1,563 |
| Average earning assets | $434,400,800 | 1,494 |
| Average equity | $63,696,600 | 1,243 |
| Average total loans | $314,850,400 | 1,503 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3151% | 5,092 |
| Cost of funding earning assets | 0.8111% | 536 |
| Net interest margin | 2.5041% | 5,466 |
| Noninterest income to average assets | 0.0750% | 5,544 |
| Noninterest expense to average assets | 1.9380% | 5,073 |
| Loan and lease loss provision to assets | 0.0896% | 2,285 |
| Net operating income to assets | 0.3028% | 5,212 |
| Return on assets (ROA) | 0.3244% | 5,195 |
| Pretax return on assets | 0.5287% | 4,975 |
| Return on Equity (ROE) | 2.2745% | 5,265 |
| Retained earnings to average equity (ytd only) | 2.2745% | 4,504 |
| Net charge-offs to loans | 0.0509% | 2,412 |
| Credit loss provision to net charge-offs | 252.1008% | 1,126 |
| Earnings coverage of net charge-offs (x) | 16.4457% | 2,170 |
| Efficiency ratio | 76.8265% | 1,481 |
| Assets per employee ($millions) | 6.1259% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3768% | 5,575 |
| Loan loss allowance to noncurrent loans | 14.5205% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 1.9033% | 706 |
| Noncurrent loans to loans | 2.5948% | 565 |
| Net loans and leases to total assets | 73.0766% | 2,083 |
| Net loans and leases to deposits | 86.0822% | 2,281 |
| Net loans and leases to core deposits | 89.5825% | 2,647 |
| Total domestic deposits to total assets | 84.8916% | 2,752 |
| Equity capital to assets | 14.5906% | 833 |
| Core capital (leverage) ratio | 14.4248% | 783 |
| Tier 1 risk-based capital ratio | 30.3884% | 463 |
| Total risk-based capital ratio | 30.9828% | 481 |
| Memoranda: | ||
| Average total assets | $446,369,000 | 1,567 |
| Average earning assets | $436,290,000 | 1,496 |
| Average equity | $63,661,750 | 1,250 |
| Average total loans | $311,595,500 | 1,525 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2739% | 5,141 |
| Cost of funding earning assets | 0.8097% | 501 |
| Net interest margin | 2.4642% | 5,530 |
| Noninterest income to average assets | 0.0745% | 5,588 |
| Noninterest expense to average assets | 1.9079% | 5,177 |
| Loan and lease loss provision to assets | 0.0937% | 2,113 |
| Net operating income to assets | 0.2957% | 5,234 |
| Return on assets (ROA) | 0.3280% | 5,177 |
| Pretax return on assets | 0.5315% | 4,951 |
| Return on Equity (ROE) | 2.3175% | 5,279 |
| Retained earnings to average equity (ytd only) | 2.3175% | 4,291 |
| Net charge-offs to loans | 0.0774% | 1,848 |
| Credit loss provision to net charge-offs | 176.4706% | 1,371 |
| Earnings coverage of net charge-offs (x) | 10.8235% | 2,318 |
| Efficiency ratio | 76.8470% | 1,601 |
| Assets per employee ($millions) | 6.3921% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3511% | 5,640 |
| Loan loss allowance to noncurrent loans | 20.8072% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 1.2127% | 1,403 |
| Noncurrent loans to loans | 1.6872% | 1,081 |
| Net loans and leases to total assets | 71.6218% | 2,260 |
| Net loans and leases to deposits | 84.0250% | 2,470 |
| Net loans and leases to core deposits | 87.3134% | 2,768 |
| Total domestic deposits to total assets | 85.2387% | 2,719 |
| Equity capital to assets | 14.2735% | 884 |
| Core capital (leverage) ratio | 14.2353% | 794 |
| Tier 1 risk-based capital ratio | 30.3760% | 449 |
| Total risk-based capital ratio | 30.9248% | 475 |
| Memoranda: | ||
| Average total assets | $448,136,670 | 1,569 |
| Average earning assets | $437,948,330 | 1,491 |
| Average equity | $63,431,000 | 1,252 |
| Average total loans | $307,615,670 | 1,541 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2387% | 5,191 |
| Cost of funding earning assets | 0.8092% | 460 |
| Net interest margin | 2.4295% | 5,596 |
| Noninterest income to average assets | 0.0740% | 5,662 |
| Noninterest expense to average assets | 1.8703% | 5,279 |
| Loan and lease loss provision to assets | 0.0535% | 2,736 |
| Net operating income to assets | 0.3156% | 5,154 |
| Return on assets (ROA) | 0.3612% | 5,066 |
| Pretax return on assets | 0.5967% | 4,742 |
| Return on Equity (ROE) | 2.5627% | 5,212 |
| Retained earnings to average equity (ytd only) | 2.5627% | 4,114 |
| Net charge-offs to loans | 0.0226% | 2,315 |
| Credit loss provision to net charge-offs | 352.9412% | 711 |
| Earnings coverage of net charge-offs (x) | 38.1765% | 1,065 |
| Efficiency ratio | 76.3656% | 1,857 |
| Assets per employee ($millions) | 6.2378% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3522% | 5,719 |
| Loan loss allowance to noncurrent loans | 19.6937% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 1.2210% | 1,430 |
| Noncurrent loans to loans | 1.7883% | 1,050 |
| Net loans and leases to total assets | 68.0388% | 2,677 |
| Net loans and leases to deposits | 79.7063% | 2,783 |
| Net loans and leases to core deposits | 82.7553% | 3,015 |
| Total domestic deposits to total assets | 85.3619% | 2,935 |
| Equity capital to assets | 14.1173% | 871 |
| Core capital (leverage) ratio | 14.1727% | 795 |
| Tier 1 risk-based capital ratio | 30.9654% | 450 |
| Total risk-based capital ratio | 31.5072% | 468 |
| Memoranda: | ||
| Average total assets | $448,482,000 | 1,574 |
| Average earning assets | $438,449,000 | 1,493 |
| Average equity | $63,213,500 | 1,258 |
| Average total loans | $300,624,500 | 1,579 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2454% | 5,242 |
| Cost of funding earning assets | 0.8585% | 369 |
| Net interest margin | 2.3869% | 5,655 |
| Noninterest income to average assets | 0.0689% | 5,726 |
| Noninterest expense to average assets | 1.9411% | 5,305 |
| Loan and lease loss provision to assets | 0.0616% | 3,134 |
| Net operating income to assets | 0.2442% | 5,328 |
| Return on assets (ROA) | 0.2670% | 5,356 |
| Pretax return on assets | 0.4346% | 5,150 |
| Return on Equity (ROE) | 1.9406% | 5,417 |
| Retained earnings to average equity (ytd only) | 1.9406% | 4,431 |
| Net charge-offs to loans | 0.0336% | 3,355 |
| Credit loss provision to net charge-offs | 291.6667% | 1,007 |
| Earnings coverage of net charge-offs (x) | 21.7917% | 1,764 |
| Efficiency ratio | 80.8232% | 1,326 |
| Assets per employee ($millions) | 6.3076% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3524% | 5,768 |
| Loan loss allowance to noncurrent loans | 18.2489% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 1.2701% | 1,403 |
| Noncurrent loans to loans | 1.9308% | 950 |
| Net loans and leases to total assets | 65.5485% | 3,143 |
| Net loans and leases to deposits | 76.7579% | 3,232 |
| Net loans and leases to core deposits | 79.6789% | 3,421 |
| Total domestic deposits to total assets | 85.3964% | 2,879 |
| Equity capital to assets | 14.0726% | 865 |
| Core capital (leverage) ratio | 14.0070% | 813 |
| Tier 1 risk-based capital ratio | 31.9224% | 413 |
| Total risk-based capital ratio | 32.4719% | 426 |
| Memoranda: | ||
| Average total assets | $454,229,400 | 1,500 |
| Average earning assets | $443,923,200 | 1,432 |
| Average equity | $62,507,600 | 1,251 |
| Average total loans | $285,604,800 | 1,587 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2587% | 5,266 |
| Cost of funding earning assets | 0.8641% | 355 |
| Net interest margin | 2.3947% | 5,720 |
| Noninterest income to average assets | 0.0722% | 5,783 |
| Noninterest expense to average assets | 1.9247% | 5,340 |
| Loan and lease loss provision to assets | 0.0556% | 3,138 |
| Net operating income to assets | 0.2666% | 5,355 |
| Return on assets (ROA) | 0.2969% | 5,376 |
| Pretax return on assets | 0.4797% | 5,173 |
| Return on Equity (ROE) | 2.1695% | 5,440 |
| Retained earnings to average equity (ytd only) | 2.1695% | 4,608 |
| Net charge-offs to loans | 0.0282% | 3,097 |
| Credit loss provision to net charge-offs | 316.6667% | 990 |
| Earnings coverage of net charge-offs (x) | 27.7993% | 1,554 |
| Efficiency ratio | 79.7769% | 1,461 |
| Assets per employee ($millions) | 6.3492% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3390% | 5,838 |
| Loan loss allowance to noncurrent loans | 17.8067% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 1.2525% | 1,563 |
| Noncurrent loans to loans | 1.9035% | 1,052 |
| Net loans and leases to total assets | 64.1804% | 3,375 |
| Net loans and leases to deposits | 75.0511% | 3,493 |
| Net loans and leases to core deposits | 77.8809% | 3,674 |
| Total domestic deposits to total assets | 85.5157% | 2,599 |
| Equity capital to assets | 13.9457% | 1,057 |
| Core capital (leverage) ratio | 13.7955% | 911 |
| Tier 1 risk-based capital ratio | 32.2345% | 405 |
| Total risk-based capital ratio | 32.7486% | 422 |
| Memoranda: | ||
| Average total assets | $455,826,500 | 1,495 |
| Average earning assets | $445,480,500 | 1,432 |
| Average equity | $62,378,750 | 1,264 |
| Average total loans | $283,358,250 | 1,600 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2711% | 5,341 |
| Cost of funding earning assets | 0.8695% | 336 |
| Net interest margin | 2.4015% | 5,808 |
| Noninterest income to average assets | 0.0721% | 5,855 |
| Noninterest expense to average assets | 1.8933% | 5,463 |
| Loan and lease loss provision to assets | 0.0525% | 3,097 |
| Net operating income to assets | 0.2922% | 5,350 |
| Return on assets (ROA) | 0.3375% | 5,302 |
| Pretax return on assets | 0.5443% | 5,040 |
| Return on Equity (ROE) | 2.4817% | 5,384 |
| Retained earnings to average equity (ytd only) | 2.4817% | 4,302 |
| Net charge-offs to loans | 0.0064% | 3,465 |
| Credit loss provision to net charge-offs | 1,333.3333% | 297 |
| Earnings coverage of net charge-offs (x) | 133.6667% | 446 |
| Efficiency ratio | 78.2617% | 1,745 |
| Assets per employee ($millions) | 6.2617% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3358% | 5,924 |
| Loan loss allowance to noncurrent loans | 17.2753% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 1.2220% | 1,684 |
| Noncurrent loans to loans | 1.9440% | 1,030 |
| Net loans and leases to total assets | 62.6514% | 3,548 |
| Net loans and leases to deposits | 73.0152% | 3,700 |
| Net loans and leases to core deposits | 75.5655% | 3,859 |
| Total domestic deposits to total assets | 85.8059% | 2,518 |
| Equity capital to assets | 13.7095% | 1,140 |
| Core capital (leverage) ratio | 13.6892% | 911 |
| Tier 1 risk-based capital ratio | 32.2312% | 411 |
| Total risk-based capital ratio | 32.7395% | 430 |
| Memoranda: | ||
| Average total assets | $457,505,330 | 1,500 |
| Average earning assets | $447,129,670 | 1,434 |
| Average equity | $62,216,330 | 1,269 |
| Average total loans | $281,043,330 | 1,613 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3201% | 5,281 |
| Cost of funding earning assets | 0.8805% | 317 |
| Net interest margin | 2.4396% | 5,854 |
| Noninterest income to average assets | 0.0708% | 5,902 |
| Noninterest expense to average assets | 1.8816% | 5,548 |
| Loan and lease loss provision to assets | 0.0393% | 3,123 |
| Net operating income to assets | 0.3324% | 5,203 |
| Return on assets (ROA) | 0.4107% | 5,038 |
| Pretax return on assets | 0.6572% | 4,658 |
| Return on Equity (ROE) | 3.0327% | 5,223 |
| Retained earnings to average equity (ytd only) | 3.0327% | 3,996 |
| Net charge-offs to loans | 0.0130% | 2,686 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 672 |
| Efficiency ratio | 76.6192% | 2,093 |
| Assets per employee ($millions) | 6.3370% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3162% | 6,000 |
| Loan loss allowance to noncurrent loans | 50.5108% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 4,041 |
| Noncurrent loans to loans | 0.6260% | 3,295 |
| Net loans and leases to total assets | 61.4986% | 3,594 |
| Net loans and leases to deposits | 71.6426% | 3,685 |
| Net loans and leases to core deposits | 74.1941% | 3,875 |
| Total domestic deposits to total assets | 85.8409% | 2,744 |
| Equity capital to assets | 13.6568% | 1,111 |
| Core capital (leverage) ratio | 13.6088% | 946 |
| Tier 1 risk-based capital ratio | 32.8853% | 399 |
| Total risk-based capital ratio | 33.3633% | 421 |
| Memoranda: | ||
| Average total assets | $457,704,500 | 1,497 |
| Average earning assets | $447,458,000 | 1,431 |
| Average equity | $61,991,000 | 1,263 |
| Average total loans | $277,890,500 | 1,622 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3431% | 5,269 |
| Cost of funding earning assets | 0.9483% | 224 |
| Net interest margin | 2.3948% | 5,894 |
| Noninterest income to average assets | 0.0692% | 5,953 |
| Noninterest expense to average assets | 1.9887% | 5,473 |
| Loan and lease loss provision to assets | 0.0709% | 2,860 |
| Net operating income to assets | 0.2158% | 5,541 |
| Return on assets (ROA) | 0.2387% | 5,570 |
| Pretax return on assets | 0.3868% | 5,350 |
| Return on Equity (ROE) | 1.8212% | 5,613 |
| Retained earnings to average equity (ytd only) | 1.8212% | 4,687 |
| Net charge-offs to loans | 0.1034% | 2,375 |
| Credit loss provision to net charge-offs | 119.4946% | 2,156 |
| Earnings coverage of net charge-offs (x) | 7.1083% | 3,117 |
| Efficiency ratio | 82.4978% | 1,342 |
| Assets per employee ($millions) | 6.2047% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3113% | 6,050 |
| Loan loss allowance to noncurrent loans | 52.4248% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3548% | 4,169 |
| Noncurrent loans to loans | 0.5939% | 3,388 |
| Net loans and leases to total assets | 59.5544% | 3,893 |
| Net loans and leases to deposits | 69.2177% | 3,998 |
| Net loans and leases to core deposits | 71.9180% | 4,140 |
| Total domestic deposits to total assets | 86.0393% | 2,623 |
| Equity capital to assets | 13.4317% | 1,146 |
| Core capital (leverage) ratio | 13.3314% | 1,027 |
| Tier 1 risk-based capital ratio | 32.7023% | 406 |
| Total risk-based capital ratio | 33.1637% | 428 |
| Memoranda: | ||
| Average total assets | $466,690,800 | 1,442 |
| Average earning assets | $456,281,400 | 1,358 |
| Average equity | $61,166,800 | 1,238 |
| Average total loans | $267,782,800 | 1,631 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3533% | 5,306 |
| Cost of funding earning assets | 0.9568% | 218 |
| Net interest margin | 2.3965% | 5,978 |
| Noninterest income to average assets | 0.0700% | 6,044 |
| Noninterest expense to average assets | 2.0720% | 5,338 |
| Loan and lease loss provision to assets | 0.0837% | 2,501 |
| Net operating income to assets | 0.1619% | 5,749 |
| Return on assets (ROA) | 0.1619% | 5,807 |
| Pretax return on assets | 0.2575% | 5,711 |
| Return on Equity (ROE) | 1.2429% | 5,823 |
| Retained earnings to average equity (ytd only) | 1.2429% | 5,225 |
| Net charge-offs to loans | 0.1277% | 1,855 |
| Credit loss provision to net charge-offs | 115.2941% | 2,054 |
| Earnings coverage of net charge-offs (x) | 4.7020% | 3,310 |
| Efficiency ratio | 85.8625% | 1,013 |
| Assets per employee ($millions) | 6.3060% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3095% | 6,142 |
| Loan loss allowance to noncurrent loans | 53.0341% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 4,420 |
| Noncurrent loans to loans | 0.5837% | 3,583 |
| Net loans and leases to total assets | 57.9060% | 4,151 |
| Net loans and leases to deposits | 67.1100% | 4,272 |
| Net loans and leases to core deposits | 69.6531% | 4,408 |
| Total domestic deposits to total assets | 86.2852% | 2,393 |
| Equity capital to assets | 13.1487% | 1,373 |
| Core capital (leverage) ratio | 13.0294% | 1,193 |
| Tier 1 risk-based capital ratio | 32.6993% | 425 |
| Total risk-based capital ratio | 33.1791% | 436 |
| Memoranda: | ||
| Average total assets | $468,577,250 | 1,447 |
| Average earning assets | $458,160,000 | 1,359 |
| Average equity | $61,040,750 | 1,243 |
| Average total loans | $266,154,750 | 1,650 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3795% | 5,270 |
| Cost of funding earning assets | 0.9461% | 225 |
| Net interest margin | 2.4334% | 6,022 |
| Noninterest income to average assets | 0.0691% | 6,113 |
| Noninterest expense to average assets | 2.1107% | 5,315 |
| Loan and lease loss provision to assets | 0.0938% | 2,250 |
| Net operating income to assets | 0.1552% | 5,800 |
| Return on assets (ROA) | 0.1552% | 5,848 |
| Pretax return on assets | 0.2434% | 5,751 |
| Return on Equity (ROE) | 1.1947% | 5,865 |
| Retained earnings to average equity (ytd only) | 1.1947% | 5,084 |
| Net charge-offs to loans | 0.1739% | 1,421 |
| Credit loss provision to net charge-offs | 95.6522% | 2,136 |
| Earnings coverage of net charge-offs (x) | 3.4391% | 3,198 |
| Efficiency ratio | 86.2267% | 1,043 |
| Assets per employee ($millions) | 6.3843% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2957% | 6,216 |
| Loan loss allowance to noncurrent loans | 23.7594% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 0.7038% | 3,290 |
| Noncurrent loans to loans | 1.2445% | 2,168 |
| Net loans and leases to total assets | 56.3869% | 4,300 |
| Net loans and leases to deposits | 65.1541% | 4,421 |
| Net loans and leases to core deposits | 67.6973% | 4,510 |
| Total domestic deposits to total assets | 86.5439% | 2,403 |
| Equity capital to assets | 12.9263% | 1,439 |
| Core capital (leverage) ratio | 12.9571% | 1,185 |
| Tier 1 risk-based capital ratio | 32.4527% | 443 |
| Total risk-based capital ratio | 32.8726% | 465 |
| Memoranda: | ||
| Average total assets | $469,222,670 | 1,450 |
| Average earning assets | $458,709,000 | 1,360 |
| Average equity | $60,935,330 | 1,250 |
| Average total loans | $264,522,330 | 1,662 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3310% | 5,369 |
| Cost of funding earning assets | 0.9362% | 238 |
| Net interest margin | 2.3948% | 6,101 |
| Noninterest income to average assets | 0.0676% | 6,181 |
| Noninterest expense to average assets | 2.1231% | 5,331 |
| Loan and lease loss provision to assets | 0.0513% | 2,910 |
| Net operating income to assets | 0.1591% | 5,764 |
| Return on assets (ROA) | 0.1591% | 5,839 |
| Pretax return on assets | 0.2344% | 5,779 |
| Return on Equity (ROE) | 1.2223% | 5,868 |
| Retained earnings to average equity (ytd only) | 1.2223% | 4,997 |
| Net charge-offs to loans | 0.2432% | 980 |
| Credit loss provision to net charge-offs | 37.5000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.0875% | 2,823 |
| Efficiency ratio | 88.1392% | 1,005 |
| Assets per employee ($millions) | 6.2516% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2664% | 6,306 |
| Loan loss allowance to noncurrent loans | 37.3333% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 4,427 |
| Noncurrent loans to loans | 0.7137% | 3,484 |
| Net loans and leases to total assets | 55.8842% | 4,216 |
| Net loans and leases to deposits | 64.6075% | 4,303 |
| Net loans and leases to core deposits | 66.8951% | 4,432 |
| Total domestic deposits to total assets | 86.4980% | 2,668 |
| Equity capital to assets | 13.0046% | 1,404 |
| Core capital (leverage) ratio | 13.0397% | 1,144 |
| Tier 1 risk-based capital ratio | 32.9996% | 425 |
| Total risk-based capital ratio | 33.4132% | 447 |
| Memoranda: | ||
| Average total assets | $467,613,500 | 1,458 |
| Average earning assets | $457,165,500 | 1,373 |
| Average equity | $60,868,500 | 1,257 |
| Average total loans | $263,191,000 | 1,665 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5276% | 5,257 |
| Cost of funding earning assets | 0.9318% | 324 |
| Net interest margin | 2.5958% | 6,081 |
| Noninterest income to average assets | 0.0739% | 6,230 |
| Noninterest expense to average assets | 2.0643% | 5,651 |
| Loan and lease loss provision to assets | 0.1232% | 2,126 |
| Net operating income to assets | 0.2380% | 5,683 |
| Return on assets (ROA) | 0.2379% | 5,742 |
| Pretax return on assets | 0.3886% | 5,510 |
| Return on Equity (ROE) | 1.8395% | 5,808 |
| Retained earnings to average equity (ytd only) | 1.8395% | 4,883 |
| Net charge-offs to loans | 0.1374% | 2,646 |
| Credit loss provision to net charge-offs | 159.2798% | 1,518 |
| Earnings coverage of net charge-offs (x) | 6.6177% | 3,164 |
| Efficiency ratio | 80.1248% | 1,909 |
| Assets per employee ($millions) | 6.2181% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3034% | 6,383 |
| Loan loss allowance to noncurrent loans | 35.3045% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 4,185 |
| Noncurrent loans to loans | 0.8595% | 3,165 |
| Net loans and leases to total assets | 56.3640% | 4,282 |
| Net loans and leases to deposits | 65.2870% | 4,399 |
| Net loans and leases to core deposits | 67.4708% | 4,559 |
| Total domestic deposits to total assets | 86.3327% | 2,652 |
| Equity capital to assets | 13.0292% | 1,357 |
| Core capital (leverage) ratio | 13.0154% | 1,133 |
| Tier 1 risk-based capital ratio | 32.5920% | 410 |
| Total risk-based capital ratio | 33.0516% | 427 |
| Memoranda: | ||
| Average total assets | $466,561,600 | 1,429 |
| Average earning assets | $449,762,800 | 1,364 |
| Average equity | $60,341,400 | 1,215 |
| Average total loans | $262,643,200 | 1,614 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5487% | 5,277 |
| Cost of funding earning assets | 0.9169% | 378 |
| Net interest margin | 2.6317% | 6,097 |
| Noninterest income to average assets | 0.0740% | 6,325 |
| Noninterest expense to average assets | 2.0222% | 5,732 |
| Loan and lease loss provision to assets | 0.1634% | 1,518 |
| Net operating income to assets | 0.2669% | 5,689 |
| Return on assets (ROA) | 0.2669% | 5,753 |
| Pretax return on assets | 0.4340% | 5,515 |
| Return on Equity (ROE) | 2.0674% | 5,820 |
| Retained earnings to average equity (ytd only) | 2.0674% | 5,019 |
| Net charge-offs to loans | 0.1021% | 2,774 |
| Credit loss provision to net charge-offs | 284.5771% | 945 |
| Earnings coverage of net charge-offs (x) | 10.4031% | 2,546 |
| Efficiency ratio | 77.1924% | 2,322 |
| Assets per employee ($millions) | 6.1103% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3670% | 6,428 |
| Loan loss allowance to noncurrent loans | 50.0523% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 4,686 |
| Noncurrent loans to loans | 0.7332% | 3,769 |
| Net loans and leases to total assets | 55.9486% | 4,338 |
| Net loans and leases to deposits | 64.7932% | 4,456 |
| Net loans and leases to core deposits | 67.0549% | 4,604 |
| Total domestic deposits to total assets | 86.3494% | 2,673 |
| Equity capital to assets | 13.0522% | 1,403 |
| Core capital (leverage) ratio | 13.0326% | 1,162 |
| Tier 1 risk-based capital ratio | 32.5109% | 424 |
| Total risk-based capital ratio | 33.0647% | 440 |
| Memoranda: | ||
| Average total assets | $466,613,500 | 1,446 |
| Average earning assets | $451,352,500 | 1,372 |
| Average equity | $60,236,250 | 1,217 |
| Average total loans | $262,390,000 | 1,621 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5757% | 5,219 |
| Cost of funding earning assets | 0.9042% | 420 |
| Net interest margin | 2.6715% | 6,079 |
| Noninterest income to average assets | 0.0723% | 6,370 |
| Noninterest expense to average assets | 2.0224% | 5,795 |
| Loan and lease loss provision to assets | 0.0514% | 3,276 |
| Net operating income to assets | 0.3560% | 5,389 |
| Return on assets (ROA) | 0.3560% | 5,455 |
| Pretax return on assets | 0.5803% | 5,019 |
| Return on Equity (ROE) | 2.7682% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.7682% | 4,436 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2012% | 2,593 |
| Assets per employee ($millions) | 6.2504% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2654% | 6,548 |
| Loan loss allowance to noncurrent loans | 36.1495% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 4,758 |
| Noncurrent loans to loans | 0.7341% | 3,861 |
| Net loans and leases to total assets | 56.6000% | 4,177 |
| Net loans and leases to deposits | 65.3806% | 4,338 |
| Net loans and leases to core deposits | 67.7420% | 4,492 |
| Total domestic deposits to total assets | 86.5699% | 2,721 |
| Equity capital to assets | 12.9196% | 1,415 |
| Core capital (leverage) ratio | 12.8883% | 1,202 |
| Tier 1 risk-based capital ratio | 31.9735% | 448 |
| Total risk-based capital ratio | 32.4063% | 471 |
| Memoranda: | ||
| Average total assets | $467,357,330 | 1,441 |
| Average earning assets | $451,663,330 | 1,364 |
| Average equity | $60,111,000 | 1,212 |
| Average total loans | $262,929,330 | 1,615 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5057% | 5,402 |
| Cost of funding earning assets | 0.8957% | 468 |
| Net interest margin | 2.6100% | 6,224 |
| Noninterest income to average assets | 0.0694% | 6,424 |
| Noninterest expense to average assets | 2.0367% | 5,809 |
| Loan and lease loss provision to assets | 0.0514% | 3,071 |
| Net operating income to assets | 0.3223% | 5,419 |
| Return on assets (ROA) | 0.3223% | 5,470 |
| Pretax return on assets | 0.5117% | 5,132 |
| Return on Equity (ROE) | 2.5115% | 5,622 |
| Retained earnings to average equity (ytd only) | 2.5115% | 4,564 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3383% | 2,434 |
| Assets per employee ($millions) | 6.2101% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2408% | 6,627 |
| Loan loss allowance to noncurrent loans | 27.6305% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 4,643 |
| Noncurrent loans to loans | 0.8716% | 3,715 |
| Net loans and leases to total assets | 57.4509% | 3,929 |
| Net loans and leases to deposits | 66.3670% | 4,048 |
| Net loans and leases to core deposits | 68.4210% | 4,266 |
| Total domestic deposits to total assets | 86.5655% | 3,070 |
| Equity capital to assets | 12.9027% | 1,351 |
| Core capital (leverage) ratio | 12.8746% | 1,213 |
| Tier 1 risk-based capital ratio | 31.2251% | 478 |
| Total risk-based capital ratio | 31.6234% | 503 |
| Memoranda: | ||
| Average total assets | $466,644,500 | 1,440 |
| Average earning assets | $452,407,000 | 1,367 |
| Average equity | $59,884,000 | 1,217 |
| Average total loans | $261,375,500 | 1,625 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5311% | 5,578 |
| Cost of funding earning assets | 0.9716% | 525 |
| Net interest margin | 2.5596% | 6,317 |
| Noninterest income to average assets | 0.0739% | 6,472 |
| Noninterest expense to average assets | 1.8729% | 6,222 |
| Loan and lease loss provision to assets | 0.0243% | 4,638 |
| Net operating income to assets | 0.3962% | 5,158 |
| Return on assets (ROA) | 0.3962% | 5,273 |
| Pretax return on assets | 0.6510% | 4,699 |
| Return on Equity (ROE) | 3.1872% | 5,435 |
| Retained earnings to average equity (ytd only) | 3.1872% | 3,967 |
| Net charge-offs to loans | 0.0491% | 4,534 |
| Credit loss provision to net charge-offs | 92.7419% | 2,684 |
| Earnings coverage of net charge-offs (x) | 25.7339% | 1,318 |
| Efficiency ratio | 73.4989% | 3,218 |
| Assets per employee ($millions) | 6.0719% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2302% | 6,703 |
| Loan loss allowance to noncurrent loans | 35.3438% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 5,195 |
| Noncurrent loans to loans | 0.6514% | 4,338 |
| Net loans and leases to total assets | 54.3145% | 4,544 |
| Net loans and leases to deposits | 62.6633% | 4,660 |
| Net loans and leases to core deposits | 64.5440% | 4,819 |
| Total domestic deposits to total assets | 86.6767% | 2,886 |
| Equity capital to assets | 12.7634% | 1,385 |
| Core capital (leverage) ratio | 12.7450% | 1,238 |
| Tier 1 risk-based capital ratio | 32.5310% | 413 |
| Total risk-based capital ratio | 32.8957% | 436 |
| Memoranda: | ||
| Average total assets | $472,538,800 | 1,402 |
| Average earning assets | $456,793,600 | 1,327 |
| Average equity | $58,734,800 | 1,225 |
| Average total loans | $252,701,400 | 1,643 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5297% | 5,615 |
| Cost of funding earning assets | 0.9798% | 549 |
| Net interest margin | 2.5499% | 6,381 |
| Noninterest income to average assets | 0.0746% | 6,559 |
| Noninterest expense to average assets | 1.8286% | 6,303 |
| Loan and lease loss provision to assets | 0.0084% | 4,813 |
| Net operating income to assets | 0.4289% | 5,115 |
| Return on assets (ROA) | 0.4289% | 5,264 |
| Pretax return on assets | 0.7049% | 4,672 |
| Return on Equity (ROE) | 3.4734% | 5,446 |
| Retained earnings to average equity (ytd only) | 3.4734% | 4,216 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9362% | 3,414 |
| Assets per employee ($millions) | 6.2012% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2459% | 6,779 |
| Loan loss allowance to noncurrent loans | 24.8213% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 4,843 |
| Noncurrent loans to loans | 0.9908% | 3,827 |
| Net loans and leases to total assets | 53.7906% | 4,645 |
| Net loans and leases to deposits | 61.9106% | 4,774 |
| Net loans and leases to core deposits | 64.0161% | 4,902 |
| Total domestic deposits to total assets | 86.8843% | 2,753 |
| Equity capital to assets | 12.5730% | 1,544 |
| Core capital (leverage) ratio | 12.5698% | 1,383 |
| Tier 1 risk-based capital ratio | 32.1530% | 436 |
| Total risk-based capital ratio | 32.4922% | 457 |
| Memoranda: | ||
| Average total assets | $473,790,250 | 1,409 |
| Average earning assets | $458,456,250 | 1,331 |
| Average equity | $58,500,250 | 1,240 |
| Average total loans | $252,245,750 | 1,650 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5664% | 5,539 |
| Cost of funding earning assets | 0.9923% | 562 |
| Net interest margin | 2.5741% | 6,356 |
| Noninterest income to average assets | 0.0746% | 6,605 |
| Noninterest expense to average assets | 1.8263% | 6,330 |
| Loan and lease loss provision to assets | 0.0126% | 4,630 |
| Net operating income to assets | 0.4412% | 5,058 |
| Return on assets (ROA) | 0.4412% | 5,224 |
| Pretax return on assets | 0.7235% | 4,597 |
| Return on Equity (ROE) | 3.5949% | 5,384 |
| Retained earnings to average equity (ytd only) | 3.5949% | 4,030 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2712% | 3,599 |
| Assets per employee ($millions) | 6.3786% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2481% | 6,821 |
| Loan loss allowance to noncurrent loans | 25.5938% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 4,979 |
| Noncurrent loans to loans | 0.9692% | 4,001 |
| Net loans and leases to total assets | 53.2483% | 4,705 |
| Net loans and leases to deposits | 61.1669% | 4,838 |
| Net loans and leases to core deposits | 63.1548% | 4,981 |
| Total domestic deposits to total assets | 87.0542% | 2,791 |
| Equity capital to assets | 12.4494% | 1,609 |
| Core capital (leverage) ratio | 12.4494% | 1,385 |
| Tier 1 risk-based capital ratio | 32.1071% | 436 |
| Total risk-based capital ratio | 32.4486% | 462 |
| Memoranda: | ||
| Average total assets | $474,624,000 | 1,402 |
| Average earning assets | $458,723,330 | 1,324 |
| Average equity | $58,248,670 | 1,243 |
| Average total loans | $251,616,330 | 1,651 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6002% | 5,455 |
| Cost of funding earning assets | 1.0134% | 574 |
| Net interest margin | 2.5867% | 6,397 |
| Noninterest income to average assets | 0.0714% | 6,667 |
| Noninterest expense to average assets | 1.8246% | 6,402 |
| Loan and lease loss provision to assets | 0.0252% | 4,154 |
| Net operating income to assets | 0.4404% | 4,957 |
| Return on assets (ROA) | 0.4404% | 5,119 |
| Pretax return on assets | 0.7186% | 4,494 |
| Return on Equity (ROE) | 3.6143% | 5,288 |
| Retained earnings to average equity (ytd only) | 3.6143% | 4,071 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0406% | 3,784 |
| Assets per employee ($millions) | 6.3658% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2492% | 6,900 |
| Loan loss allowance to noncurrent loans | 32.3164% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 0.4051% | 5,380 |
| Noncurrent loans to loans | 0.7711% | 4,583 |
| Net loans and leases to total assets | 52.4009% | 4,642 |
| Net loans and leases to deposits | 60.4002% | 4,747 |
| Net loans and leases to core deposits | 62.2643% | 4,933 |
| Total domestic deposits to total assets | 86.7561% | 3,100 |
| Equity capital to assets | 12.2029% | 1,908 |
| Core capital (leverage) ratio | 12.1985% | 1,462 |
| Tier 1 risk-based capital ratio | 31.4478% | 469 |
| Total risk-based capital ratio | 31.7852% | 498 |
| Memoranda: | ||
| Average total assets | $475,929,500 | 1,412 |
| Average earning assets | $459,425,000 | 1,334 |
| Average equity | $57,991,500 | 1,256 |
| Average total loans | $251,442,500 | 1,660 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8805% | 5,635 |
| Cost of funding earning assets | 1.2288% | 503 |
| Net interest margin | 2.6516% | 6,586 |
| Noninterest income to average assets | 0.0699% | 6,619 |
| Noninterest expense to average assets | 1.8387% | 6,569 |
| Loan and lease loss provision to assets | 0.0123% | 5,757 |
| Net operating income to assets | 0.4827% | 4,753 |
| Return on assets (ROA) | 0.4827% | 5,006 |
| Pretax return on assets | 0.7894% | 4,334 |
| Return on Equity (ROE) | 4.1483% | 5,082 |
| Retained earnings to average equity (ytd only) | 4.1483% | 3,308 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6370% | 3,879 |
| Assets per employee ($millions) | 6.3257% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2356% | 6,960 |
| Loan loss allowance to noncurrent loans | 39.7857% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 5,728 |
| Noncurrent loans to loans | 0.5923% | 5,049 |
| Net loans and leases to total assets | 53.0087% | 4,756 |
| Net loans and leases to deposits | 60.6919% | 4,947 |
| Net loans and leases to core deposits | 62.6129% | 5,096 |
| Total domestic deposits to total assets | 87.3406% | 2,623 |
| Equity capital to assets | 12.1668% | 1,932 |
| Core capital (leverage) ratio | 11.9859% | 1,572 |
| Tier 1 risk-based capital ratio | 31.1325% | 467 |
| Total risk-based capital ratio | 31.4589% | 503 |
| Memoranda: | ||
| Average total assets | $486,207,200 | 1,368 |
| Average earning assets | $471,336,200 | 1,294 |
| Average equity | $56,577,600 | 1,256 |
| Average total loans | $266,751,200 | 1,556 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9393% | 5,687 |
| Cost of funding earning assets | 1.2709% | 500 |
| Net interest margin | 2.6684% | 6,686 |
| Noninterest income to average assets | 0.0676% | 6,743 |
| Noninterest expense to average assets | 1.8366% | 6,637 |
| Loan and lease loss provision to assets | 0.0082% | 5,705 |
| Net operating income to assets | 0.4953% | 4,859 |
| Return on assets (ROA) | 0.4953% | 5,131 |
| Pretax return on assets | 0.8095% | 4,449 |
| Return on Equity (ROE) | 4.3037% | 5,148 |
| Retained earnings to average equity (ytd only) | 4.3037% | 3,856 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1929% | 3,845 |
| Assets per employee ($millions) | 6.4398% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2172% | 7,072 |
| Loan loss allowance to noncurrent loans | 42.4060% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 6,014 |
| Noncurrent loans to loans | 0.5121% | 5,416 |
| Net loans and leases to total assets | 53.6580% | 4,801 |
| Net loans and leases to deposits | 61.2157% | 5,060 |
| Net loans and leases to core deposits | 63.2861% | 5,235 |
| Total domestic deposits to total assets | 87.6539% | 2,259 |
| Equity capital to assets | 11.8417% | 2,402 |
| Core capital (leverage) ratio | 11.6685% | 1,856 |
| Tier 1 risk-based capital ratio | 30.3713% | 512 |
| Total risk-based capital ratio | 30.6764% | 552 |
| Memoranda: | ||
| Average total assets | $489,153,000 | 1,374 |
| Average earning assets | $474,179,750 | 1,304 |
| Average equity | $56,291,500 | 1,273 |
| Average total loans | $270,419,000 | 1,548 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9944% | 5,654 |
| Cost of funding earning assets | 1.3145% | 493 |
| Net interest margin | 2.6798% | 6,731 |
| Noninterest income to average assets | 0.0651% | 6,806 |
| Noninterest expense to average assets | 1.8636% | 6,666 |
| Loan and lease loss provision to assets | 0.0122% | 5,513 |
| Net operating income to assets | 0.4837% | 4,895 |
| Return on assets (ROA) | 0.4837% | 5,143 |
| Pretax return on assets | 0.7883% | 4,512 |
| Return on Equity (ROE) | 4.2436% | 5,156 |
| Retained earnings to average equity (ytd only) | 4.2436% | 3,785 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9526% | 3,772 |
| Assets per employee ($millions) | 6.3898% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2109% | 7,144 |
| Loan loss allowance to noncurrent loans | 29.2443% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 5,788 |
| Noncurrent loans to loans | 0.7213% | 5,066 |
| Net loans and leases to total assets | 55.0421% | 4,623 |
| Net loans and leases to deposits | 62.6158% | 4,927 |
| Net loans and leases to core deposits | 64.6408% | 5,138 |
| Total domestic deposits to total assets | 87.9046% | 2,210 |
| Equity capital to assets | 11.6465% | 2,456 |
| Core capital (leverage) ratio | 11.4571% | 1,931 |
| Tier 1 risk-based capital ratio | 29.5863% | 538 |
| Total risk-based capital ratio | 29.8874% | 584 |
| Memoranda: | ||
| Average total assets | $491,208,330 | 1,371 |
| Average earning assets | $476,371,000 | 1,304 |
| Average equity | $55,990,670 | 1,271 |
| Average total loans | $273,983,670 | 1,531 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0440% | 5,626 |
| Cost of funding earning assets | 1.3686% | 472 |
| Net interest margin | 2.6755% | 6,803 |
| Noninterest income to average assets | 0.0656% | 6,875 |
| Noninterest expense to average assets | 1.7636% | 6,839 |
| Loan and lease loss provision to assets | 0.0243% | 5,042 |
| Net operating income to assets | 0.5425% | 4,634 |
| Return on assets (ROA) | 0.5425% | 4,845 |
| Pretax return on assets | 0.8769% | 4,122 |
| Return on Equity (ROE) | 4.8109% | 4,876 |
| Retained earnings to average equity (ytd only) | 4.8109% | 3,666 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1805% | 4,526 |
| Assets per employee ($millions) | 6.6297% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2061% | 7,204 |
| Loan loss allowance to noncurrent loans | 25.1000% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 0.4527% | 5,724 |
| Noncurrent loans to loans | 0.8211% | 5,035 |
| Net loans and leases to total assets | 55.0197% | 4,549 |
| Net loans and leases to deposits | 63.6684% | 4,680 |
| Net loans and leases to core deposits | 65.7394% | 4,944 |
| Total domestic deposits to total assets | 86.4161% | 3,291 |
| Equity capital to assets | 11.2707% | 2,654 |
| Core capital (leverage) ratio | 11.1049% | 2,183 |
| Tier 1 risk-based capital ratio | 28.0605% | 637 |
| Total risk-based capital ratio | 28.3482% | 703 |
| Memoranda: | ||
| Average total assets | $494,002,000 | 1,368 |
| Average earning assets | $479,919,000 | 1,295 |
| Average equity | $55,707,000 | 1,275 |
| Average total loans | $277,045,000 | 1,524 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 5,712 |
| Cost of funding earning assets | 1.6118% | 457 |
| Net interest margin | 2.7045% | 6,918 |
| Noninterest income to average assets | 0.0772% | 6,728 |
| Noninterest expense to average assets | 1.7558% | 7,004 |
| Loan and lease loss provision to assets | 0.0122% | 6,386 |
| Net operating income to assets | 0.5738% | 4,122 |
| Return on assets (ROA) | 0.5718% | 4,325 |
| Pretax return on assets | 0.9385% | 3,476 |
| Return on Equity (ROE) | 5.2154% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.2154% | 2,497 |
| Net charge-offs to loans | 0.0091% | 6,301 |
| Credit loss provision to net charge-offs | 230.7692% | 1,052 |
| Earnings coverage of net charge-offs (x) | 180.4615% | 189 |
| Efficiency ratio | 64.8012% | 4,984 |
| Assets per employee ($millions) | 6.8163% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1843% | 7,260 |
| Loan loss allowance to noncurrent loans | 22.4348% | 6,538 |
| Noncurrent assets plus other real estate owned to assets | 0.4686% | 5,789 |
| Noncurrent loans to loans | 0.8216% | 5,046 |
| Net loans and leases to total assets | 56.9375% | 4,556 |
| Net loans and leases to deposits | 65.2801% | 4,838 |
| Net loans and leases to core deposits | 67.2759% | 5,123 |
| Total domestic deposits to total assets | 87.2203% | 2,632 |
| Equity capital to assets | 11.2827% | 2,708 |
| Core capital (leverage) ratio | 11.1177% | 2,179 |
| Tier 1 risk-based capital ratio | 27.8370% | 636 |
| Total risk-based capital ratio | 28.1013% | 695 |
| Memoranda: | ||
| Average total assets | $491,955,600 | 1,359 |
| Average earning assets | $478,830,200 | 1,278 |
| Average equity | $53,936,400 | 1,260 |
| Average total loans | $284,654,000 | 1,499 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3654% | 5,722 |
| Cost of funding earning assets | 1.6544% | 465 |
| Net interest margin | 2.7110% | 6,982 |
| Noninterest income to average assets | 0.0799% | 6,840 |
| Noninterest expense to average assets | 1.7866% | 7,012 |
| Loan and lease loss provision to assets | 0.0041% | 6,367 |
| Net operating income to assets | 0.5656% | 4,246 |
| Return on assets (ROA) | 0.5656% | 4,413 |
| Pretax return on assets | 0.9266% | 3,667 |
| Return on Equity (ROE) | 5.1961% | 4,453 |
| Retained earnings to average equity (ytd only) | 5.1961% | 3,064 |
| Net charge-offs to loans | 0.0121% | 5,981 |
| Credit loss provision to net charge-offs | 57.6923% | 4,860 |
| Earnings coverage of net charge-offs (x) | 132.1379% | 283 |
| Efficiency ratio | 65.7496% | 4,759 |
| Assets per employee ($millions) | 6.4676% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1634% | 7,341 |
| Loan loss allowance to noncurrent loans | 21.3205% | 6,637 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 5,983 |
| Noncurrent loans to loans | 0.7662% | 5,337 |
| Net loans and leases to total assets | 57.8150% | 4,539 |
| Net loans and leases to deposits | 66.1626% | 4,880 |
| Net loans and leases to core deposits | 68.5480% | 5,115 |
| Total domestic deposits to total assets | 87.3832% | 2,415 |
| Equity capital to assets | 11.1176% | 3,037 |
| Core capital (leverage) ratio | 10.9540% | 2,432 |
| Tier 1 risk-based capital ratio | 27.0897% | 726 |
| Total risk-based capital ratio | 27.3241% | 809 |
| Memoranda: | ||
| Average total assets | $492,250,250 | 1,363 |
| Average earning assets | $478,872,500 | 1,279 |
| Average equity | $53,577,250 | 1,271 |
| Average total loans | $285,829,500 | 1,508 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3930% | 5,720 |
| Cost of funding earning assets | 1.6854% | 495 |
| Net interest margin | 2.7076% | 7,019 |
| Noninterest income to average assets | 0.0800% | 6,925 |
| Noninterest expense to average assets | 1.8055% | 7,077 |
| Loan and lease loss provision to assets | 0.0061% | 6,180 |
| Net operating income to assets | 0.5531% | 4,298 |
| Return on assets (ROA) | 0.5531% | 4,427 |
| Pretax return on assets | 0.9028% | 3,606 |
| Return on Equity (ROE) | 5.1183% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.1183% | 2,927 |
| Net charge-offs to loans | 0.0014% | 5,868 |
| Credit loss provision to net charge-offs | 750.0000% | 431 |
| Earnings coverage of net charge-offs (x) | 1,119.0000% | 19 |
| Efficiency ratio | 66.5171% | 4,768 |
| Assets per employee ($millions) | 6.5766% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1719% | 7,402 |
| Loan loss allowance to noncurrent loans | 30.6968% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 6,320 |
| Noncurrent loans to loans | 0.5601% | 5,797 |
| Net loans and leases to total assets | 57.5579% | 4,715 |
| Net loans and leases to deposits | 65.6854% | 5,045 |
| Net loans and leases to core deposits | 68.0677% | 5,284 |
| Total domestic deposits to total assets | 87.6266% | 2,383 |
| Equity capital to assets | 10.9289% | 3,029 |
| Core capital (leverage) ratio | 10.7670% | 2,458 |
| Tier 1 risk-based capital ratio | 26.7208% | 744 |
| Total risk-based capital ratio | 26.9673% | 815 |
| Memoranda: | ||
| Average total assets | $492,488,670 | 1,363 |
| Average earning assets | $479,169,670 | 1,283 |
| Average equity | $53,220,670 | 1,263 |
| Average total loans | $286,224,000 | 1,519 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 5,617 |
| Cost of funding earning assets | 1.7237% | 500 |
| Net interest margin | 2.6963% | 7,021 |
| Noninterest income to average assets | 0.0853% | 6,981 |
| Noninterest expense to average assets | 1.8232% | 7,111 |
| Loan and lease loss provision to assets | 0.0122% | 5,761 |
| Net operating income to assets | 0.5430% | 4,302 |
| Return on assets (ROA) | 0.5430% | 4,384 |
| Pretax return on assets | 0.8705% | 3,620 |
| Return on Equity (ROE) | 5.0531% | 4,376 |
| Retained earnings to average equity (ytd only) | 5.0531% | 3,154 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3776% | 4,774 |
| Assets per employee ($millions) | 6.6469% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1707% | 7,456 |
| Loan loss allowance to noncurrent loans | 39.3403% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 6,550 |
| Noncurrent loans to loans | 0.4339% | 6,137 |
| Net loans and leases to total assets | 58.1445% | 4,625 |
| Net loans and leases to deposits | 66.3018% | 4,929 |
| Net loans and leases to core deposits | 68.4877% | 5,233 |
| Total domestic deposits to total assets | 87.6967% | 2,557 |
| Equity capital to assets | 10.8173% | 2,861 |
| Core capital (leverage) ratio | 10.6670% | 2,460 |
| Tier 1 risk-based capital ratio | 26.3358% | 753 |
| Total risk-based capital ratio | 26.5816% | 826 |
| Memoranda: | ||
| Average total assets | $492,111,000 | 1,374 |
| Average earning assets | $478,277,500 | 1,289 |
| Average equity | $52,878,000 | 1,265 |
| Average total loans | $287,141,000 | 1,526 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6411% | 5,985 |
| Cost of funding earning assets | 2.0137% | 580 |
| Net interest margin | 2.6274% | 7,186 |
| Noninterest income to average assets | 0.0845% | 6,971 |
| Noninterest expense to average assets | 1.7771% | 7,284 |
| Loan and lease loss provision to assets | 0.0366% | 6,792 |
| Net operating income to assets | 0.5043% | 4,079 |
| Return on assets (ROA) | 0.5020% | 4,250 |
| Pretax return on assets | 0.8222% | 3,562 |
| Return on Equity (ROE) | 4.8020% | 4,160 |
| Retained earnings to average equity (ytd only) | 4.8020% | 2,543 |
| Net charge-offs to loans | 0.0534% | 6,259 |
| Credit loss provision to net charge-offs | 118.4211% | 3,590 |
| Earnings coverage of net charge-offs (x) | 27.8750% | 782 |
| Efficiency ratio | 67.3247% | 4,701 |
| Assets per employee ($millions) | 6.7446% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1657% | 7,536 |
| Loan loss allowance to noncurrent loans | 39.0025% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 6,616 |
| Noncurrent loans to loans | 0.4250% | 6,200 |
| Net loans and leases to total assets | 58.3567% | 4,974 |
| Net loans and leases to deposits | 66.4085% | 5,351 |
| Net loans and leases to core deposits | 68.6012% | 5,597 |
| Total domestic deposits to total assets | 87.8754% | 2,323 |
| Equity capital to assets | 10.6730% | 2,989 |
| Core capital (leverage) ratio | 10.5299% | 2,526 |
| Tier 1 risk-based capital ratio | 25.9437% | 761 |
| Total risk-based capital ratio | 26.1827% | 832 |
| Memoranda: | ||
| Average total assets | $491,240,000 | 1,366 |
| Average earning assets | $477,733,800 | 1,283 |
| Average equity | $51,353,800 | 1,300 |
| Average total loans | $284,796,200 | 1,576 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6888% | 6,069 |
| Cost of funding earning assets | 2.0559% | 625 |
| Net interest margin | 2.6329% | 7,290 |
| Noninterest income to average assets | 0.0796% | 7,135 |
| Noninterest expense to average assets | 1.7655% | 7,371 |
| Loan and lease loss provision to assets | 0.0326% | 6,746 |
| Net operating income to assets | 0.5157% | 4,239 |
| Return on assets (ROA) | 0.5187% | 4,408 |
| Pretax return on assets | 0.8462% | 3,752 |
| Return on Equity (ROE) | 4.9880% | 4,295 |
| Retained earnings to average equity (ytd only) | 4.9880% | 2,998 |
| Net charge-offs to loans | 0.0713% | 5,801 |
| Credit loss provision to net charge-offs | 78.9474% | 5,171 |
| Earnings coverage of net charge-offs (x) | 21.1778% | 1,137 |
| Efficiency ratio | 66.8827% | 4,681 |
| Assets per employee ($millions) | 6.5116% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1448% | 7,658 |
| Loan loss allowance to noncurrent loans | 30.4094% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 6,688 |
| Noncurrent loans to loans | 0.4761% | 6,240 |
| Net loans and leases to total assets | 57.9756% | 5,272 |
| Net loans and leases to deposits | 65.8382% | 5,685 |
| Net loans and leases to core deposits | 67.9934% | 5,942 |
| Total domestic deposits to total assets | 88.0577% | 1,927 |
| Equity capital to assets | 10.5078% | 3,505 |
| Core capital (leverage) ratio | 10.3685% | 2,840 |
| Tier 1 risk-based capital ratio | 26.1518% | 760 |
| Total risk-based capital ratio | 26.3646% | 837 |
| Memoranda: | ||
| Average total assets | $490,961,750 | 1,381 |
| Average earning assets | $477,385,250 | 1,298 |
| Average equity | $51,055,000 | 1,313 |
| Average total loans | $284,045,750 | 1,592 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7220% | 6,068 |
| Cost of funding earning assets | 2.0986% | 661 |
| Net interest margin | 2.6234% | 7,328 |
| Noninterest income to average assets | 0.0772% | 7,202 |
| Noninterest expense to average assets | 1.7723% | 7,421 |
| Loan and lease loss provision to assets | 0.0245% | 6,694 |
| Net operating income to assets | 0.5109% | 4,274 |
| Return on assets (ROA) | 0.5093% | 4,429 |
| Pretax return on assets | 0.8279% | 3,786 |
| Return on Equity (ROE) | 4.9153% | 4,329 |
| Retained earnings to average equity (ytd only) | 4.9153% | 2,951 |
| Net charge-offs to loans | 0.0643% | 5,499 |
| Credit loss provision to net charge-offs | 65.9341% | 5,074 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,116 |
| Efficiency ratio | 67.4596% | 4,681 |
| Assets per employee ($millions) | 6.5256% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1460% | 7,725 |
| Loan loss allowance to noncurrent loans | 28.7388% | 6,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 6,679 |
| Noncurrent loans to loans | 0.5081% | 6,236 |
| Net loans and leases to total assets | 57.4981% | 5,488 |
| Net loans and leases to deposits | 65.1807% | 5,902 |
| Net loans and leases to core deposits | 67.0506% | 6,149 |
| Total domestic deposits to total assets | 88.2134% | 1,876 |
| Equity capital to assets | 10.3552% | 3,581 |
| Core capital (leverage) ratio | 10.2218% | 2,914 |
| Tier 1 risk-based capital ratio | 25.5294% | 807 |
| Total risk-based capital ratio | 25.7397% | 874 |
| Memoranda: | ||
| Average total assets | $489,656,000 | 1,394 |
| Average earning assets | $475,940,000 | 1,304 |
| Average equity | $50,739,670 | 1,317 |
| Average total loans | $282,952,670 | 1,616 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 6,127 |
| Cost of funding earning assets | 2.1664% | 658 |
| Net interest margin | 2.5684% | 7,413 |
| Noninterest income to average assets | 0.0707% | 7,358 |
| Noninterest expense to average assets | 1.7825% | 7,486 |
| Loan and lease loss provision to assets | 0.0247% | 6,417 |
| Net operating income to assets | 0.4686% | 4,539 |
| Return on assets (ROA) | 0.4686% | 4,670 |
| Pretax return on assets | 0.7589% | 4,030 |
| Return on Equity (ROE) | 4.5210% | 4,644 |
| Retained earnings to average equity (ytd only) | 4.5210% | 3,445 |
| Net charge-offs to loans | 0.1207% | 4,247 |
| Credit loss provision to net charge-offs | 35.2941% | 4,736 |
| Earnings coverage of net charge-offs (x) | 11.2118% | 1,668 |
| Efficiency ratio | 69.4649% | 4,417 |
| Assets per employee ($millions) | 6.4632% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1377% | 7,831 |
| Loan loss allowance to noncurrent loans | 23.0499% | 6,852 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 6,482 |
| Noncurrent loans to loans | 0.5974% | 6,112 |
| Net loans and leases to total assets | 58.0255% | 5,433 |
| Net loans and leases to deposits | 65.7501% | 5,849 |
| Net loans and leases to core deposits | 67.5076% | 6,150 |
| Total domestic deposits to total assets | 88.2515% | 1,925 |
| Equity capital to assets | 10.3232% | 3,442 |
| Core capital (leverage) ratio | 10.1943% | 2,934 |
| Tier 1 risk-based capital ratio | 25.2857% | 835 |
| Total risk-based capital ratio | 25.4844% | 923 |
| Memoranda: | ||
| Average total assets | $486,511,500 | 1,443 |
| Average earning assets | $472,671,000 | 1,347 |
| Average equity | $50,431,500 | 1,324 |
| Average total loans | $281,641,000 | 1,670 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0134% | 6,395 |
| Cost of funding earning assets | 2.6832% | 620 |
| Net interest margin | 2.3301% | 7,562 |
| Noninterest income to average assets | 0.0733% | 7,389 |
| Noninterest expense to average assets | 1.8514% | 7,565 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3019% | 4,531 |
| Return on assets (ROA) | 0.3021% | 4,603 |
| Pretax return on assets | 0.4892% | 4,212 |
| Return on Equity (ROE) | 2.8537% | 4,571 |
| Retained earnings to average equity (ytd only) | 2.8537% | 3,177 |
| Net charge-offs to loans | 0.0114% | 7,071 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 73.5806% | 373 |
| Efficiency ratio | 79.1136% | 3,025 |
| Assets per employee ($millions) | 6.6002% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1691% | 7,893 |
| Loan loss allowance to noncurrent loans | 24.0409% | 6,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 6,439 |
| Noncurrent loans to loans | 0.7036% | 5,835 |
| Net loans and leases to total assets | 57.5726% | 5,732 |
| Net loans and leases to deposits | 65.3281% | 6,133 |
| Net loans and leases to core deposits | 88.0745% | 5,322 |
| Total domestic deposits to total assets | 88.1283% | 1,910 |
| Equity capital to assets | 10.4095% | 3,274 |
| Core capital (leverage) ratio | 10.2603% | 2,818 |
| Tier 1 risk-based capital ratio | 25.5922% | 792 |
| Total risk-based capital ratio | 25.8359% | 863 |
| Memoranda: | ||
| Average total assets | $466,680,400 | 1,484 |
| Average earning assets | $454,005,800 | 1,389 |
| Average equity | $49,408,800 | 1,364 |
| Average total loans | $272,513,200 | 1,767 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0687% | 6,384 |
| Cost of funding earning assets | 2.7794% | 631 |
| Net interest margin | 2.2893% | 7,656 |
| Noninterest income to average assets | 0.0723% | 7,552 |
| Noninterest expense to average assets | 1.8636% | 7,588 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2701% | 4,901 |
| Return on assets (ROA) | 0.2705% | 5,001 |
| Pretax return on assets | 0.4372% | 4,698 |
| Return on Equity (ROE) | 2.5435% | 4,969 |
| Retained earnings to average equity (ytd only) | 2.5435% | 3,897 |
| Net charge-offs to loans | 0.0093% | 6,818 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 79.7979% | 422 |
| Efficiency ratio | 81.0168% | 2,707 |
| Assets per employee ($millions) | 6.1979% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1725% | 7,987 |
| Loan loss allowance to noncurrent loans | 23.7463% | 6,857 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 6,373 |
| Noncurrent loans to loans | 0.7263% | 5,853 |
| Net loans and leases to total assets | 59.3516% | 5,684 |
| Net loans and leases to deposits | 67.5196% | 6,171 |
| Net loans and leases to core deposits | 90.3182% | 5,401 |
| Total domestic deposits to total assets | 87.9028% | 1,705 |
| Equity capital to assets | 10.5566% | 3,448 |
| Core capital (leverage) ratio | 10.4035% | 2,879 |
| Tier 1 risk-based capital ratio | 25.6526% | 843 |
| Total risk-based capital ratio | 25.9058% | 910 |
| Memoranda: | ||
| Average total assets | $462,896,000 | 1,508 |
| Average earning assets | $450,496,500 | 1,421 |
| Average equity | $49,222,250 | 1,387 |
| Average total loans | $271,175,250 | 1,790 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1031% | 6,422 |
| Cost of funding earning assets | 2.8773% | 644 |
| Net interest margin | 2.2257% | 7,733 |
| Noninterest income to average assets | 0.0726% | 7,623 |
| Noninterest expense to average assets | 1.8432% | 7,695 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2451% | 5,106 |
| Return on assets (ROA) | 0.2451% | 5,201 |
| Pretax return on assets | 0.3938% | 4,955 |
| Return on Equity (ROE) | 2.2995% | 5,184 |
| Retained earnings to average equity (ytd only) | 2.2995% | 4,058 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3975% | 2,677 |
| Assets per employee ($millions) | 6.1277% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1806% | 8,077 |
| Loan loss allowance to noncurrent loans | 12,525.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 7,673 |
| Noncurrent loans to loans | 0.0014% | 7,577 |
| Net loans and leases to total assets | 59.4619% | 5,768 |
| Net loans and leases to deposits | 67.6979% | 6,228 |
| Net loans and leases to core deposits | 89.4013% | 5,584 |
| Total domestic deposits to total assets | 87.8341% | 1,846 |
| Equity capital to assets | 10.5861% | 3,307 |
| Core capital (leverage) ratio | 10.4318% | 2,873 |
| Tier 1 risk-based capital ratio | 25.9241% | 870 |
| Total risk-based capital ratio | 26.1920% | 928 |
| Memoranda: | ||
| Average total assets | $460,180,670 | 1,540 |
| Average earning assets | $447,495,670 | 1,446 |
| Average equity | $49,054,330 | 1,403 |
| Average total loans | $268,215,670 | 1,838 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1289% | 6,566 |
| Cost of funding earning assets | 2.9286% | 719 |
| Net interest margin | 2.2003% | 7,797 |
| Noninterest income to average assets | 0.0717% | 7,703 |
| Noninterest expense to average assets | 1.7428% | 7,772 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2947% | 5,317 |
| Return on assets (ROA) | 0.2947% | 5,489 |
| Pretax return on assets | 0.4687% | 5,179 |
| Return on Equity (ROE) | 2.7549% | 5,467 |
| Retained earnings to average equity (ytd only) | 2.7549% | 4,343 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8059% | 3,032 |
| Assets per employee ($millions) | 6.4939% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1857% | 8,122 |
| Loan loss allowance to noncurrent loans | 12,550.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 7,670 |
| Noncurrent loans to loans | 0.0015% | 7,587 |
| Net loans and leases to total assets | 57.7061% | 5,993 |
| Net loans and leases to deposits | 67.3971% | 6,232 |
| Net loans and leases to core deposits | 88.6347% | 5,682 |
| Total domestic deposits to total assets | 85.6209% | 2,912 |
| Equity capital to assets | 10.4990% | 3,465 |
| Core capital (leverage) ratio | 10.3541% | 3,064 |
| Tier 1 risk-based capital ratio | 26.1919% | 878 |
| Total risk-based capital ratio | 26.4640% | 937 |
| Memoranda: | ||
| Average total assets | $457,418,500 | 1,557 |
| Average earning assets | $444,853,500 | 1,456 |
| Average equity | $48,931,500 | 1,410 |
| Average total loans | $263,614,500 | 1,878 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3234% | 7,575 |
| Cost of funding earning assets | 3.2183% | 1,133 |
| Net interest margin | 2.1051% | 8,013 |
| Noninterest income to average assets | 0.0813% | 7,735 |
| Noninterest expense to average assets | 1.6772% | 7,887 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2936% | 5,566 |
| Return on assets (ROA) | 0.2974% | 5,367 |
| Pretax return on assets | 0.4667% | 5,078 |
| Return on Equity (ROE) | 2.6097% | 5,379 |
| Retained earnings to average equity (ytd only) | 2.6097% | 3,564 |
| Net charge-offs to loans | 0.0025% | 6,983 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 328.0000% | 146 |
| Efficiency ratio | 78.4470% | 2,844 |
| Assets per employee ($millions) | 6.1271% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1950% | 8,163 |
| Loan loss allowance to noncurrent loans | 1,165.1163% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 7,591 |
| Noncurrent loans to loans | 0.0167% | 7,467 |
| Net loans and leases to total assets | 57.3281% | 6,302 |
| Net loans and leases to deposits | 67.2410% | 6,531 |
| Net loans and leases to core deposits | 87.1902% | 6,043 |
| Total domestic deposits to total assets | 85.2576% | 2,723 |
| Equity capital to assets | 10.9047% | 3,116 |
| Core capital (leverage) ratio | 10.7463% | 2,781 |
| Tier 1 risk-based capital ratio | 27.4532% | 797 |
| Total risk-based capital ratio | 27.7399% | 843 |
| Memoranda: | ||
| Average total assets | $427,076,600 | 1,596 |
| Average earning assets | $417,272,800 | 1,497 |
| Average equity | $48,664,400 | 1,410 |
| Average total loans | $243,031,200 | 1,946 |